WillisBack/dataset-financial-user-claim huggingface dataset:
There is an issue every time I have to deal with these loans. I am not the borrower, I am the cosigner for the loans. Just today I was told that the loans show paid in full in their system by the first person I talked to and then the second person told me that the information I had just received was incorrect. I have had these issues for years. In total I have paid XXXX toward the loans. The original amount borrowed was XXXX they now say that I owe over 90000.00. There is atleast 1 payment that was never applied to the loans and a bunch of payments that were misapplied. Mainly they just apply the full amount to one loan and nothing to the other loans and continue to charge excessive fees and call to let me know that the payments are delinquent even though they were being automatically withdrawn monthly. Anytime I call to address any problems it takes hours of time and several people that aren't able to handle the problems. In order to be able to identify their processing issues I had to hire and pay an accountant because their records are completely user unfriendly.
XXXX XXXX has repeatedly called me from XX/XX/XXXX and still calling. They call about 8 times a day non stop. Ive already called to resolve the issue but they still continue to harass me.
I have a friend in Iowa, I met on XXXX. We 've been friends for over XXXX years, I 've been currently dealing with my mother in the hospital and was shocked to receive a message from her stating that she had been receiving a call from " XXXX '' so she finally answered it. The caller said his name was XXXX XXXX and he was looking for me. That I had a debt to take care of and he proceeded to give her his number and reference number and asked to pass on this message. 

From what I gather, this act is completely illegal. We 're not related, I have never put her number down on anything in regards to being my number or personal reference. So I do not understand as to why they were able to call someone that way. 

I called the company this morning and XXXX did n't have much to say about in regarding this matter or why she just said that I put this number down as my point of contact. 

I 've had one number, one. and I 've had my XXXX account opened longer than I 've known my friend. so I assume they were trolling the people I 've sent money too which I 'm assuming is also an illegal tactic.
I 'm noticed on my credit report that I have multiple credit cards that show the same balance as well as a XXXX bill that I did not sign up for. I believe this items on my credit report are negatively impacting my credit and I want to dispute them. There should only be XXXX credit card by XXXX XXXX.
On XXXX occasions in the past 12 months, I / we have received our bill for our Capital One XXXX much later than expected. During the last incidence, the billing cycle ended XXXX/XXXX/16. Capital One 's telephone support claims that the bill was mailed XXXX/XXXX/16, yet we did not receive it until XXXX/XXXX/16. The due date is XXXX/XXXX/16. Although we can easily pay the bill, this gets to be a tight turn around and has nearly resulted in several late payments. Either Capital One is inadvertantly failing to mail their statements late, or they are sending statements too late in the hopes of generating revenue through late payment fees and interest. Or the postal service is not doing their job properly, but we have not had problems with other mail arriving late.
On  XXXX   XXXX  ,2017 I mad e a mobile dep osit to my Wells Fargo ch ecking account.They did not credit my account for the amount of the deposit, when i called them to inquire they said there was a hold on the deposit, that the bank the check was drawn on claimed a fraud. that i should call the issuer, when i did so i was told there was no caim of fraud by them. The issuer is the state of california controler. when i called wells fargo back they changed their sory and told me the check hasnt been paid for, so i called the california treasurer that informed me the check had been paid and the funds should be available. when i called back to wells fargo they told me the federal reserve was holding the money, when i called the federal reserve they said they dont hold any monies and that i should file a complaint. i feel wells fargo is just holding this check to collect over draft fees. i deposit  XXXX  of these checks from the state of california every month. i have to wait two weeks to recieve this payroll check. which i recieved the  XXXX  of  XXXX  and wells fargo is not going to release the funds until the  XXXX  of  XXXX . everytime i have called wells fargo they have given me a different reason. the check number is  XXXX  the amount is {$910.00}. the issuer of that check is the state of california controller and can be reached at  XXXX   XXXX  the state treasurer can be reached @  XXXX   XXXX . They told me the check was paid  XXXX   XXXX .  Wells Fargo  has refused to contact the state controller or the state treasurer. I would appreciate you looking into this matter. There has been no fraud reported by  XXXX , the state controller or the state treasurer. since it was a mobile deposit i did not keep the check since ive never had this problem before in the past. Please contact me at  XXXX  XXXX  XXXX  or by phone at  XXXX   XXXX . My name is  XXXX   XXXX   XXXX .   Thank You
CRA VIOLATION / NO KNOWLEDGE OF THE FRAUDULENT ACCOUNT DUE TO ID THEFT APPEARED ON MY EQUFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX
We are a small homeowners association and this home has sat vacant for at least 5 years. We periodically get notice that a foreclosure will go forward and nothing happens. We have not received {$1700.00} in dues and fines. We approached the lender about bringing this account current and their response was to file more foreclosure papers.The yard area is a total mess as well.
I paid my Amazon credit card two weeks ago. I told Synchrony that I paid, and told them to stop calling me. I have a statement from Amazon that they received it. Synchrony has continued to call me. They called me twice Friday, twice yesterday, and XXXX this morning waking everyone up. I can not get them to stop calling although I have made several requests and settled my debt.
In XX/XX/2016 a bank that was handling my wife and I car loan was bought out by another bank. The bank that was sold still pulled our last payment however the new bank is asking us to repay that month. I 've provided the new bank with documentation but they requested proving that I paid it and they harass me every month for that outstanding debt that is not there. They now say that they paid me back and someone cashed the check that they sent me. I have requested that documentation be given to me proving that it was cashed and by whom. And they can not provide that information for me I 'm being harassed every month my account is being charged overfees and I refuse to pay something I already paid. Can you please help me this Bank is trying to put us in bankruptcy or under Title 11 because they think we 're not in compliance when we really are. However they can not provide us with any information or any proof that they made a payment to us and I provided them with proof and I made one to them.
on XXXX XXXX I was contacted by XXXX i told them the person they are calling for does not live here and to remove my number. they said they would remove the calls. on X/XX/17 I received another call by XXXX asking for same person to collect on. FIRST SOURCE is abusing my phone # and I am a senior citizen and a military family member.
On XXXX XXXX, XXXX, I terminated my checking account with Citibank, which had a {$300.00} line of credit. On that date, Citibank claimed that I owed them {$300.00} for automatic payments, which the bank has never paid. I therefore paid Citibank {$300.00} for the line of credit and {$2.00} interest from my XXXX XXXX checking account ( ending XXXX ) on XXXX XXXX, XXXX, and confirmed with the bank 's representative that I owed nothing else. 

Nevertheless, Citibank continues to claim that I owe them more than {$100.00}, which, the bank claims, has been accruing interest since XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I received another letter from Citibank regarding the phantom debt and called their toll-free number. I spoke to a woman named XXXX ( ID # XXXX ) who told me, " [ Citibank ] has no record of your debt. '' I requested Citibank to immediately resolve the dispute in my favor and was given Citibank complain No. XXXX. 



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I tried to close my Chase savings act # XXXX in Early XX/XX/XXXX as we moved from XXXX XXXX XXXX XXXX, XXXX XXXX, IL : XXXX on XX/XX/XXXX. A change of address was filed after we moved with Chase Bank at the XXXX XXXX as well as our XXXX credit card accounts. The act had {$1000.00} in it and the rep from the bank said they could only mail me a check for less than {$1000.00} - bank policy. I instructed her to deduct {$15.00} and apply it to my chase credit card which they did. I also gave her my change of address again to XXXX XXXX XXXX, XXXX, SC XXXX. The account was officially closed on XX/XX/XXXX. I did not receive the {$990.00} from the bank by XX/XX/XXXX. They said it would take 30 days to officially close the act and send me the balance. Late XX/XX/XXXX I received a letter ( attached ) from the bank stating that they had sent my change of  address to both my old and new address as a precaution. It never came to my new address because THEIR REP wrote down XXXX XXXX XXXX, not XXXX XXXX XXXX. All the rest of my Chase address changes had gone thru so I said I don't understand why the savings act hadn't. They said they would have to do a review or I could go to a Chase branch and file all this info and get my money there. The are no Chase Banks in this part of SC so when I told them that they said it would go under review and would take another 30 days until my money was returned. It's now been over 60 days and I still have no money. Their bank policies are illegal - it is my money and if I were in XXXX I could have walked into the branch, closed the act and been paid on the spot! This is gross incompetancy on their part. The account has been closed since XX/XX/XXXX but I can't get my $ $ due to another bank policy which says it has to be reviewed AGAIN!
ON XX/XX/XXXX I ORDERED A XXXX XXXX XXXXXXXX ITEM # XXXX AND A 24 MONTH XXXX SUBSCRIPTION TOTAL XXXX ITEM WAS LOST IN TRANSIT COULD NOT BE FOUND I CANCELLED THE ORDER I WAS GIVEN A CANCELLATION # XXXX NOW I AM GETTING BILLED FOR THE FULL AMOUNT I TRIED CALLING XXXX FINANCING WHICH IS TD BANK THEY TOLD ME TO MAKE MY PAYMENTS ON TIME TILL THEY CAN STRAIGHTED THIS OUT WHY SHOULD I MAKE PAYMENTS ON SOMETHING I NEVER RECEIVED.
I have XXXX account on my credit report with XXXX that is not mine I 'm not an authorized person and nothing like that but it is appearing on my credit like they are mine so please take them off.
THE COMPANY IS XXXX XXXX. WE CAN NOT FIND A NUMBER TO CALL THEM. WE CALLED XXXX XXXX AND TOLD THEM THAT WE DID NOT AUTHORIZE THIS CHARGE. WE THEN DISPUTED THE CHARGE ONLINE ON OUR ACCOUNT FOR THE {$99.00} CHARGE WHICH THE BANK CHARGED BACK TO OUR ACCOUNT LATER. WE THINK THAT IF WE TELL OUR CREDIT CARD BANK THAT WE SHOULD NOT BE CHARGED, THAT THEY SHOULD DEMAND THAT XXXX XXXX PROVE THAT WE AUTHORIZED THE CHARGE!
I opened it XX/XX/XXXX. It was reported to Credit reporting agency XX/XX/XXXX. It started with about {$5000.00} and now XX/XX/XXXX it 's at {$28000.00}, 26 years later. They, all XXXX CRA 'S, are still reporting, they, all XXXX CRA 'S deleted Dept of Education, XXXX, XXXX, now NAVIENT. Maximum years reporting has passed 7 and even 10 years. All CRA 'S deleted the Dept of education account, now the put it back on this is unfair, I would like this account deleted. They have the date opening for this account as XX/XX/XXXX, first reported, XX/XX/XXXX. 
This account was opened in XX/XX/XXXX as mentioned above.all conflicting dates. I disputed date of original opening and they all deleted this account. Now they have put I back on all XXXX CRA 'S. I am almost XXXX years young, lol, trying to rebuild my credit and they are purposely trying to mess me up
I came home last week to find a Synchrony Bank Credit card issues to me for Amazon Prime. I opened the card it had a sticker on no activation requers and it had a XXXX credit line. I never applied or file out an application for this card. Whjne I called Synchrony Bank it said that this card already had a Balance of {$980.00}. I called to find out what happened they informed me that the Sunday XXXX/XXXX/2016 that someone called in and an sked to use the cards to make purchases and they bought XXXX on am, Amazon prime an d had the items shipped to XXXX XXXX XXXX XXXX GA XXXX. I explained that I did n't order these items and i dont know who lives at that address. I called the police they filed an identity theft report case number is XXXX her in macron XXXX XXXX of XXXX ..The person who uses that address is a career criminal with a laundry list of charges outstanding against him have a real problem when I called Synchrony Bank they did n't question the second card since I already had a card issued to me from HHGRegg that was is in good standing they advised me they did n't question the second card being open. They also informed me it was standard practice by Amazon.com to let them give the custom, er the ability to charge on Amazon prior to receiving the card and that they ship the cards already activated no need to activate. I have a real problem with this. Not only have they allowed my identy to be compromised and my personal info to be stolen
I filed for bankruptcy in XX/XX/XXXX and student loans ( both private and federal ) were included in the bankruptcy ( although I knew they likely would n't be discharged ). Online accounts with all lenders were suspended. In XX/XX/XXXX, when the bankruptcy was finalized, the federal lender restored online access immediately, but private lenderwith whom I had two loans ( no. XXXX from XX/XX/XXXX at XXXX University and no. XXXX from XX/XX/XXXX at XXXX XXXX University ) did not. In XXXX or XXXX, I called the lender ( spoke to XXXX ) to inquire about online access. XXXX informed me XXXX XXXX was discharged in bankruptcy. At that time, I paid what was owed on loan XXXX up to that date ( $ 300+ ), and set up automatic payments for the future. Online access, however, has not been restored. When I again inquired on XX/XX/XXXX ( spoke to XXXX and XXXX again ) about the statements/online access, they said the bankruptcy is not yet settled ( it is ) and that they 're challenging it ( they 're not, they have n't filed anything with the court ). XXXX also said that Loan XXXX was considered in default and asked for full payment at that time. When I spoke to my lawyer, he told me they can not be soliciting payment on a debt that was discharged in bankruptcy. But that 's another issue. ) Since I have no access to statements or to my accounts, I can not see what is happening with my loan, which is really frustrating. I 'm unable to see where my payments are going, what my balance is, or anything. I 've attached a screenshot of what I see when I go onlineyou can see there 's no way for me to access existing loans. I 've also attached the BK Court Order discharging the debt.
Bank of America and their employees, representatives, servicers, and third party agents ( collectively referred to as BofA ) have engaged in a racketeering business enterprise for profit envoling Requests for Mortgage Assistance ( RMA ), loss mitigation processes including, but not limited to modifications, dual tracking, and foreclosure processes. 
In this instance, BofA knew or should have known of applicable regulations, guidelines, timelines, agreements, orders, and statutes that dictate and govern interaction with consumers and how BofA is to proceed during and throughout processes intended to keep homeowners with their properties and in their homes. 
One example of this racketeering business enterprise for profit is when a policy and practice is established and intended to circumvent the rules and law. Specifically, XXXX and XXXX ( XXXX ), owners of XXXX ( XXXX ), have been executing foreclosures on behalf BofA designed to defraud homeowners by forcibly removing them from their homes in an unlawful manner as evidenced by their published document entitled California Foreclosure Timeline. This document reflects the steps XXXX, as beneficiary trustee, follow upon contrating with Bank of America to begin the foreclosure process. The XXXX timeline does not conform with California law, specifically the California Homeowners Bill of Rights ( CalHBOR ). There are legal requirements intentionally excluded from this timeline including, but not limited to, pre Notice of Default ( NOD ) outreach. 
XXXX was not made the beneficiary trustee until XX/XX/2016. While BofA may have intended to create or establish a business relationship with XXXX prior to the recording of the Substitution of Trustee in this instance, XXXX had no authority to act in any capacity prior to XX/XX/2016, but for acting as an agent of Bank of America in an already existing business relationship related to RMAs, loss mitigation processes and programs, dual tracking, and foreclosure processes and thereby establishing and evidencing a racketeering business enterprise and violations of the RICCO Act. 
I have not been treated fair and with good faith during and throughout the loss mitigation process or the foreclosure process however improper it may be as it relates to me and my home and property. 
A resolution would be all other previously mentioned resolutions and a detailed response addressing this and other complaints and escalated cases to date related to the modification, loss mitigation, and foreclosure processes.
In XX/XX/2016, I had 2 credit cards opened up fraudulently in my name by my step father, he maxed out the cards within a day of receiving them and never made not 1 payment. One of them I was able to contact the bank and get it removed from my credit report, but the one with XXXX XXXXXXXX XXXX has been honestly crazy. I have called them numerous times and they still will not remove it although they did an investigation on their end and found it to be fraudelent. They have now sent it to collections and now I have a derogatory mark on my credit and I am not able to get approved for anything, I'm only XXXX now and it's hard to be XXXX over right out of the gate with Credit and i feel as though I will never prosper in life with this on my credit history for a credit card I never applied for nor asked for.
I went onto the Experian website and authorized a {$1.00} payment for my annual credit report. I was unaware that I had agreed to sign up for account monitoring until I saw a monthly charge of {$21.00} on my checking account. I did not authorize this charge and have since gone online and cancelled this account they tricked me into opening but they refuse to refund my {$21.00}. This is highly unethical especially considering they are a credit reporting company.
A deceased family member used my identity to obtain credit and i advice them i had nothing to do with it nor gain access, so they told me they hear a female on the phone so they assumed it was me trying to get out of debt, this is not my account and reporting negative on my credit
Bank statesmens had wrong charges on a closed account. 
I made a statement for the bank stated that I did not use the account. 
The creditor agreed to cancel debt and remove from my credit. 

Later another credit collection agency filed the account on all three credit bureaus. 
Named XXXX XXXX XXXX has been reporting this information on my credit. 

They have no proof that I had any debt with them, no identification, no verification, And no signed agreements by me to repay anything or admitting that such debt was mine.
Account # XXXX - XXXX XXXX XXXX Transunion is reporting my XXXX XXXX XXXX account as 30 days late for XXXX & XXXX of 2016. I have contacted XXXX XXXX XXXX and they confirmed that the account was NOT 30 days late XXXX & XXXX of 2016. They advised it was the credit bureau reporting it in this manner. This delinquency needs to be removed. Transunion refuses to correct the issue.
Calling repeatedly from different numbers & when calling back the recording does not identify who the company is or what their purpose is. The debt they are trying to collect is more than I owed the company XXXX XXXX XXXX XXXX. I waited until the contract ended and paid the last bill, but XXXX had been giving me charges that were not comparable to other customers. They would not reason with me when charges were not owed. I feel that I paid XXXX more than what was provided as a service.
Transunion did not contact me within thirty days for tbe dispute that forward to them on XXXX/XXXX/2017 by CFPB. I only wanted them to also take care of issues with the credit inquiries and they did n't do so. I am trying to make sure Transunion is in compliance with having good records of my credit information. They have yet to provide anything and thirty days has pass.
Experian is reporting information on my report that has passed the 7 year mark. According to the statute of limitation the information is inaccurate. XXXX -student loan acct # XXXX Date opened XX/XX/1999. This should not be on my file.
XXXX, Experian and XXXX continue to report false information even tho I have submited the correct information to them and sent proof. I have tried over and over to get information corrected with no results. This is resulting in my credit score being in the XXXX XXXX and it should be in the XXXX XXXX. They are showing many false reports and I would like my credit score repaired and up where it should be. They do not investigate they just take whatever the credit card companys state and keep reporting it even tho it is false.
TransUnion credit agency is a FRAUD! I was notified by " XXXX '' ( my XXXX card ) that they were boosting my APR from 9.99 % to 16.99 % based on a credit report from TransUnion ( see copy of XXXX XXXX letter ). A 7 % boost!!! It listed multiple delinquencies. I 've not been delinquent on ANY payments. A XXXX account was closed when a public fiduciary seized my account - not my fault ( and it 's being disputed in court ). I have XXXX credit cards and have made ALL payments without ANY delay or late payment ( for more than 25 years ). 
XXXX listed the TransUnion agency. I went there to find out why my report was incorrect. Their report stated my credit score was higher than I thought and there were NO account delinquencies. NO 'lack of recent installment loan info ( do n't HAVE ANY installment loans ). 
After logging out of the TransUnion site, I discovered I have signed up for their 'service ' and there was a {$1.00} charge ( though the XXXX XXXX letter states it 's a free service ) PLUS I had subscribed ( I DID NOT!!! ) to their 'service ' and would be charged {$17.00} per month - charged to my credit card. 
I am forwarding a copy of past complaints I found doing a XXXX search on this fraudulent 'sham ' of a company. I stopped at XXXX pages. I have no idea how many pages of info followed ; though I 'm sure I only scratched the surface on those I copy/pasted. 
This company should be shut down and people should be going to PRISON!!! This is pure consumer fraud!!! 
I 've cancelled and shredded my credit card so they ca n't 'soak ' me for {$17.00} per month. I 've had to go through a lot of aggravation because of these scammers. I would like to see them exposed and jailed!
There was nothing to explain further. I have been sending letters to Equifax for months now and I have repeated myself over and over again. XXXX XXXX XXXX