WillisBack/dataset-financial-user-claim huggingface dataset:
My Mother was told that her XXXX status would be revoked, and she would be XXXX. Hhat her social security pension would be garnished and that all the money in my husband 's bank account would be also taken. That President Trump had changed the law and that she had to pay this debt. This is over 19 years old. The used abusive language and under duress they took advantage of a XXXX yr. old senior who gave them her credit card information. So far they took 2 payments one for {$480.00} and another one for {$1000.00} I am working with the credit card company and have reported this {$1500.00} dlls charge as fraudulent. I want to make a formal complaint about this ARA XXXX company in Illinois. Collection manager name is XXXX XXXX
On XX/XX/18 I submitted a complaint to your agency : complaint # XXXX regarding Meridian Financial fraudulently and illegally buying and placing numerous accounts on my credit report with fake dates/ amounts so as to show recent and restart clock. 

The results/theyre response was that they were to contact credit bureau within 5-7 business days to have all accounts they placed removed. 

As of last week, only one of the illegally placed 7 accounts were recently removed. However, they have increased amounts and the following remain on my credit report continuously causing damage to my credit/ Meridian Collections : {$2200.00} XX/XX/2018 {$920.00} XX/XX/2018 {$2100.00} XX/XX/ {$640.00} XX/XX/2018 {$250.00} XX/XX/2018 {$570.00} XX/XX/2018. 

As per results of last complaint : THESE ARE TO BE REMOVED IMMEDIATELY. 

This company illegal activity is ruining my credit and they have not complied with findings of last complaint.

I have waited long enough and I am being denied my legal right to have fraudulent accounts illegally placed on my report removed by this company.

I have sent letters in this regarding referring to said complaint and STILL NO RESPONSE.

This company needs to be sanctioned for its illegal practices effecting peoples lives and showing no regard for the conclusion of the Federal Governments findings.
I have an account with Chase XXXX and an agreed upon interest rate of 8.99 %. I have had this account since 2005, without a single late payment. I received a letter telling me that my interest rate has been raised to 14.99 %, violating the terms of my contract with them.
When I attempted to cash two reimbursement checks with XXXX bank and XXXX banks in XXXX XXXX, Michigan, I was informed that I had an issue with XXXX reported that I had an outstanding balance with XXXX Michigan XXXX XXXX. I went to XXXX Michigan XXXX XXXX on XXXX XXXX XXXX, Mi and spoke with XXXX XXXX ..., she informed me that there was not such an issue with the credit union. Now that she " no longer works there '' per XXXX staff, i got an emailed copy of a statement dated XXXX XXXX stating that there was an overdraft on my account and that it was paid within that same month. See copy. I want this negative credit/banking activity to be removed from my credit report because its been 46 months since this burden has refrained me from opening banking accounts to manage paying debts or receiving deposits to pay debts. XXXX reflects derogatory statements about and ruins my credit ability. XXXX acts are unconstitutional and has helped to ruin my livelihood.
XXXX -THIS COMPANY REPORTS ABOUT RENT ISSUE, FIRST OF ALL I MOVED GAVE 60 DAYS NOTICE, AT XXXX , BAD EXPIENCE XXXX I WAS NOT MOVING TIL 15 DAYS AFTER I INFORMED THEM THEY SAID OK, I WAS A GOOD TENANT, BEEN THERE 2 YEARS RENT WENT UP, I LEFT, I PAID WHAT THEY SAID OWED, WHEN I LEFT THEY SAID OWED XXXX DON ; T KNOW FOR WHAT I PAID XXXX, SO I WO N'T BE PUT INTO CREDIT REPORT, XXXX PROMISED, I JUST FOUND I BEEN REPORTED FOR NO REASON AFTER I PAID IN TIME, AND ONE OF MY REPORT SHOW XXXX I ALMOST CRIED, I CALL, THEY SAID WILL TAKE CARE, STILL ON MY CREDIT REPORT, IN REMARKS COMSUMER DISPUTING, I DID WEB ONLINE INVESTIGATION. PLEASE HELP ME. I DID NOT GET A RECEIPT, BUT TRANSACTIONS APPEARS ON MY BANK STATEMENTS, I CAN GET FROM BANK ...
On  XXXX   XXXX  and  XXXX   XXXX   2017   XXXX   XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX  texas  XXXX   XXXX  placed an inquiry on my credit report without my consent or knowledge.
On XXXX/XXXX/2016 I mailed a request to United Recovery Systems who is now Alltran Financial requesting that they prove the outstanding debt to me. I requested the following list of documents : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Provide me with copies of the original application ; Provide me with copies of any identification on file ; Provide me with copies of signatures on file ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 

What they mailed was a copy of statement and nothing else. I called back on XXXX/XXXX/2016 and spoke to a Manager XXXX XXXX. I explained the situation and he stated that he will follow the requested to his manager. When I asked why have n't they given proof of debt or answer my request he could n't give me a straight answer. We he kept insisting was that if was I was saying that I did n't initiate the debt. But at now time would he give a straight answer. I asked him if they were Licensed and Bonded in the state of FL and he was n't sure if he had to give me that information, I stated that I have the right to know that they can legally collect money in the state of fl. Long story short I have been paying on an account that I do n't even know if its my, I never see that the balance decrease any and when I start to ask questions I do n't get straight answers. This company has failed to honor the Fair Debt Collection Practices Act ( FDCPA ) by ignoring my legal right request.
In response to a Experian credit report issue, they continue to report XXXX inaccurate late pay of my student loan account on my credit file that stats 90-120 days late. They are overlooking that it was not a late pay as my account was in FORBEARANCE from XX/XX/XXXX-XX/XX/XXXX with my credit furnisher. Further more the FCRA State that they must report my account accurately. The FTC also states that under the FCRA laws is must report to accurate information regardless of the fact that it was reported correctly before. SEC. 464 of the HEA ( Higher Education ACT ) states that information must be corrected to reportedly accurately because my account was in forbearance within the period that is showing a late pay. NO PAYMENT WAS DUE THEREFORE ENSURING THAT MY ACCOUNT WAS NEVER LATE. I was in forbearance and my account has been current from then on. It must be changed immediately as it is negatively affecting my credit report. I have talked to both the CRA and the furnisher and they seem to point the finger at one another and I need this to be deleted immediately. This account specifies in the payment status that I was late when I never was and the reporting history does not even reflect it it actually contradicts it. Please delete immediately. Also be advised this is new and material evidence that was suggested. You are bound by FCRA, FTC and HEA laws please follow them.
XXXX, XXXX, TransUnion XXXX XXXX XXXX XX/XX/2016 XXXX $ - account closed in XX/XX/2016 for XXXX but it shows open not closed and it keeps showin late. 
XXXX XXXX ( fraud asked for signed documents plus proof its me. Never received any proof and its still on my credit
I needed cash and this seemed like a good idea. I was not aware of the excessive interest rate.
On XX/XX/XXXX I XXXX XXXX spoke wit XXXX and TransUnion about a student loan that was report incorrectly in the amount XXXX on an account the was not due until XX/XX/XXXX
I have emailed my clients account manager 5 times with the third party with no response. When I attach it here you say I am not authorized. I have the Fay Servicing third party that is on your website filled out. I will attach it again so please open the attachment. Who or where do I sent this third party authorization to?
This is in regards to my account under " XXXX '' on XXXX. In early XX/XX/2018, Paypal placed a limitation on my account and asked for a proof of identity in order to resolve the limitation. I submitted a copy of my Driver 's License which was an approved form of proof of identity soon thereafter. The status of the issue was " Submitted for Review. '' I called Paypal and waited 20 minutes to speak with a representative who assured me the case will be reviewed within " 48 hours '' of our conversation. That was near XX/XX/XXXX. There was no progress on this issue on Paypal 's behalf. Immediately after XX/XX/XXXX, another notification, an exact copy of the original notification, shows the status as " Submitted for Review ''. This issue has prevented me from withdrawing my funds in the amount of " {$1200.00} USD. '' Paypal has not reviewed my submitted documents for over a month, and there is no end in sight as I was directly lied to by the associate over the phone meaning nothing Paypal tells me is reliable.
i received an offer of wells fargo credit card about a new credit card in which they give me the offers of 0 % apr for 18 months on balances transfer and purchases. so i applied and got the card to my home, but when i called them they told i just qualify for new purchases and that it was a mistake in the letter that they sent me. i am not apprved for balance transfer. 
i dont know what happened with this people and i ask u to investigate, please. 
the credit card is # XXXX XXXX XXXX XXXX my name is XXXX XXXX XXXX. 
thanks.
I'm having issues with XXXX simplicity ( citibank ). I paid XXXX dollars on XX/XX/18 because i wanted to lower my balance away from the limit to improve my credit and immediately received an email from XXXX stating " there was a recent review of your account and credit information. As a result, we have revised the credit limit ti {$2500.00} ( please note that it was originally XXXX ). This decision was based on a dilinquent credit obligation either paid or unpaid with this account or another creditor. Your current balance is {$2400.00}. 

I called XXXX on XX/XX/18 to ask them why the lowered my limit the same day that I made a large payment? They read me the above email and stated that was all the information they had. They could not provide me what said delinquent obligation prompted this action and that i should contact XXXX. I asked to speak to a manager ( XXXX employee number XXXX ) and asked again what information prompted this credit reduction as i'm now again at or over my credit limit and was told the same thing. They could not give me any information has to why they reduced my limit and prompted me to call XXXX I have free credit monitoring through the XXXX and there are not delinquent accounts on XXXX. This seems like they are trying to get people to stay at the credit limit. How can a company not have the information that they based a decision on? I asked to speak to XXXX 's manager and he said that wasn't possible ... How can they deny you to speak with a manager 's manager? 

I've included the email attached and my XXXX credit report i just requested today to show there are no delinquent accounts.
I would like to notify you of an issue with my private student loan that was dispersed to attend a school previously called the XXXX XXXX XXXX ( XXXX ). I have agreed to have my private student loan payment automatically paid from my bank account each month. The amount that is removed from my account each month ( according to my bank statements ) is approximately {$290.00}. However, when I receive my billing statements, the monthly amount due is approximately {$240.00}. I 've called Navient Solutions, Inc. to determine what the difference is between my billing statements and the amount being removed from my bank account. The customer service representatives at Navient have been unable to clearly explain to me why my amount due is around {$40.00} less than what they are taking from my bank account. This is highly deceptive, as I am not able to find any disclosure that shows me why I am paying about {$40.00} more than what the amount due on my billing statement shows. It is also unfair. Customer service at Navient is not able to explain this to me, and I am unable to avoid this additional fee. I am hoping the CFPB can look into this issue, and I am hoping Navient will refund the additional amount that is being taken from my bank account each month, as they never properly disclosed this to me.
XXXX XXXX XXXX is currently reporting in XX/XX/XXXX and XX/XX/XXXX that i am paying late on a closed paid account since XX/XX/XXXX, they are reporting lates to XXXX and XXXX currently which just caused a problem with my current job due to it showing deliquients in XX/XX/XXXX and XX/XX/XXXX, i am no longer liable for account and requesting account be deleted corrected asap there should be no new reportings on this account at all, i have received any communications from Nelnet at all, especially adding new entries of late pays in XX/XX/XXXX and XX/XX/XXXX ... i have attached my XXXX report showing Nelnet inaccurate reportings ... .Please remove asap this is causing a severe hardship and can affect employment this info is not correct and should not be reporting ....
I have previously filed a complaint against my mortgage lender, SPS, and after reading their response, I still am unsatisfied with what they are stating. My number one issue is the fact that they breached their contract with me. When I received a loan modification through XXXX XXXX XXXX, XX/XX/XXXX, the agreement was that my property tax and homeowners insurance were to be impounded. When SPS took over my loan in XX/XX/XXXX, they agreed to all terms of my loan modification. I received a letter in XX/XX/XXXX from SPS stating they are not responsible for my homeowners insurance and that I would need to pay it myself, due to the fact my home was considered a condo. I had no problem paying my own insurance for my home, however, when I was given a loan modification my mortgage payment included my property tax and my homeowners insurance, when they were no longer paying my insurance, my mortgage payment should of decrease by the amount going to my insurance company THIS NEVER HAPPENED. When I questioned the situation SPS stated my homeowners insurance was the responsibility of my Homeowners Association. This was absolutely false!!!! I pay 2 homeowners associations totaling {$200.00}. I wish my insurance was being included. SPS also stated that my mortgage company NEVER paid my insurance, which once again is false. Attached is a document from XXXX XXXX showing XXXX XXXX XXXX previously was paying my insurance.
DISCOVER CARD HIRED XXXX SKIP TRACING COMPANIES, AND COLLECTION AGENCIES TO COLLECT A DEBT FROM ME ON BEHALF OF MY ESTRANGED BROTHER. CALLS, LETTERS AND VALIDATION IN VIOLATION OF TCPA, FDCPA FTC ... HAVE VIOCE AND WELL DOCUMENTED EVIDENCE.
Furnishing of un-verified and un-authorized accounts to credit bureaus and/or consumer reporting agen cies.
I write this on Sunday XX/XX/XXXX several days after the announcement of the XXXX data breech. I have tried without success for the past week to register either a credit report freeze or a 90 day fraud alert with Experian because of the XXXX data breech. During the entire week of XX/XX/XXXX - XX/XX/XXXX the Experian web site has locked out the ability of consumers to submit either a freeze or a fraud alert. Their page locks into a page " loading '' condition which never actual loads in the page for a consumer to submit a request. 

I understand the uniqueness of the XXXX breech and the enormous load it likely put on the credit agencies systems. But XXXX and XXXX have been up and running for days at this point while Experian remains inaccessible. 

I have been diligent over the years in protecting all of my data. The fact that one of the agencies has had a catastrophic failure and that one of their associates has " locked '' out consumers needs to be investigated.
My residential loan was recently sold to Nationstar Mortgage. ( It has been sold many times before and I have never been asked for any additional information. ) I have been receiving letters for the last two months from them requiring me to provide certification from the Social Security Office verifying my TIN. They have confirmed that they have my social security number and WILL NOT provide me with a XXXX unless I give them this documentation. Their letter specifically states my TIN must be verified by the Social Security Office. I went to the Social Security Office today and the woman I who helped me stated she CAN NOT verify a Tax Identification Number, only a SS #. She said that the IRS has to do this ; again, I do n't have a specific TIN. I have told them repeatedly that I do n't have a TIN. I spoke with XXXX, one of their managers today and told him I wanted to make sure I did not misquote him. I asked him if he was telling me they will not be providing me with my XXXX as required by the IRS even though they have my social security number on file and he said that was absolutely correct. I am concerned that this is a scam and I do not understand this requirement, especially since I do n't have a TIN. My loan has been sold many times and I have never experienced anything like this. I have spoken with several experienced mortgage brokers who have referred me to your organization.
I opened an account with HSBC bank because of the {$350.00} offer they mailed to me, real simple, deposit {$10000.00} into a new account and get the bonus.

Well that was four months ago, no bonus, and the reps for HSBC are saying two things, that even though it 's been FOUR MONTHS since I opened the account, that is n't 8 weeks, and that the account that I opened was n't eligible for the bonus either.

So I want the account closed and do not feel I should have to pay the early closure fee since they did not live up to their end of the deal and this is clearly fraud that they invite people to open an account that they know is n't eligible for the bonus only to trap their money in HSBC.

I want the account closed, no fee, and nothing more to do with HSBC bank.
We have a Mortgage with DITECH and on XX/XX/XXXX. Hurricane XXXX  hit our city here in XXXX TX . One week later XX/XX/XXXX we get a letter stating that we had an overage on our Escrow account. We are out of town at the time we spent 2 wks in XXXX and XXXX XXXX because we did n't want to ride thru the storm with our little kids, no food or lights.

We have been a couple already and did n't want to go thru this one seemed like it would be a bigger one than we have dealt with. Needless to say we did have a little water damage. Compared to others here in Town. I called in our insurance claim after we got back and DITECH said that they had rehimbursed our " Flood Insurance ''! They said it was because we were no longer in a " Flood zone '' which I have confirmed that there was no such change to our Flood Map! That was a lie and the reason we could not contact the insurance company our selves is that we were always paying our Flood Insurance and Hazard Insurance separate from the Mortgage Payment. This last year DITECH forced insurance on us and it was lower than the Flood policies we found ourselves. I never got a copy of the binder or policy from DITECH or Insurance company for that fact.

I have called DITECH and requested online for a copy of my old policy and they will not send to me. I suspect that they did n't have an insurance policy during the time they said they had a policy and tried to hide there tracks by giving me the run around.

I am tired of being given the run around and am seeking help to fix our house which we thought we had insurance for and we were paying them for. I do n't know what we can do at this point since I feel like we are at there mercy and it does n't seem like they want to help us out when we need it.
My Equifax report cant be accessed by myself or my bank. After contacting Equifax XX/XX/2018 .. they advised me for the 7th time within a month that they are working on it and would either call or send a letter once the issue is fixed. Needless to say they never contacted me or fixed the issue. Im trying to purchase a home but can because the file is not excessable.
Capital One ATM # XXXX XXXX time : XXXX So lets start off by saying that I 've previously had multiple problems with the cash receiver on this particular atm having errors while counting my rent cash deposits and one problem after that previously where the cash deposit on their ATM took upwards of XXXX dollars and it was kept in the machine. The machine then spit out a repeipt that I complained and received my money the very next day. They claim that someone was repairing the ATM at the exact time that i was depositing my rent. The gladly gave me my money back and the complaint was a success. Now, this new situation. I went to the atm XXXX the XXXX to deposit rent. I went with over {$1000.00} for rent. The cash machines can only take a little cash at a time so I deposited the cash little by little by hand. Because I was blindly depositing small amounts from my wallet at a time just because i didnt want to be holding a mount of cash at the ATM. After from what seemed to be a large amount of money deposited, due to the money that I would count after the error would occured, the ATM tool all my money and gave me a receipt tellimg me to call Capital One. My rent was due. Already 3 days late. How much did I deposit? Im tired of this ATM giving me problems. Why do n't they fix it. I actually mentioned to them that it had a problem twice before. When I called Capital One they asked me how much I deposited and According the rent that I recieved I did that math and gave them an honst ballpark. They returned my money to me the next day only to send me a letter in the mail one month later telling me that their machines counted a different amount that I claimed. It would have been fine if the number did n't seem farfetched. Your money counting machine works just fine when you want it to but your ATM cash money receiver just stays broken and locks in people money? And there were people behind me. Did the machine open back up and the next person toolk my money? The root of the problem was the ATM. For months. Now they are asking me for {$530.00}. Another thing, when I deposited cash there is a max number of times the machine can count the cash before you have to remove your hard and reinsert it and start over. And thats exactly what I did before is choked. This receipt is not showing everything. I had to walk outisde to the atm outside too. Check the other ATM transactions. All this money for something that started with a problem that was created from their end. After that it took weeks for anyone to call of even email or anything. All they want is their money. Not admitting to any ATM problems or anything like that. Blind eye. The least you could do is give me my account back, give me a clean zero balance, and fix your ATM or at least stop doing cash deposits. This bank is the new type of branches that do n't have TELLERS and no CASH inside. All the CASH is in the ATM. The ATM gets tons of CASH DEPOSITS most likely and failure to upkeep it and blaming the problem on the consumer is a HORRIBLE business practice. I demand justice.