WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX my husband deposited {$400.00} through a Chase branch ATM at XXXX XXXX Florida XXXX at around XXXX. He read and took with him the receipt but ended up misplacing it and loosing it. On arrival home he checked the account online only to find out that my bank account was closed and a negative balance of {$140.00} still remained. I called the bank right away and they confirmed my account was in fact closed and the {$400.00} were nowhere to be found. They explained that there was no deposit dropped in to my account on this day, at this time. ( The argument is that when an account is closed the ATM should not accept any money but this was not the case ). The ATM failed to notify me that my account was closed too so i proceeded to make my deposit. I went to the same branch to get someone to help me but they said for me to wait for the claims department. I sat in the XXXX branch with another representative for about an hour while he spoke to the claims department and this was useless as well. I have called the claims department at XXXX well over ten 10 times through out the last year and I get the same response every time - they are still reviewing your case, someone will contact you.
XXXX XXXX XXXX f/k/a XXXX XXXX XXXX XXXX received fraudulent information using my credit to secure a modification/refinance loan that belongs to my ex-spouse. All correspondence and documents were sent to an address I never resided/lived at. I have tried to resolve this issue, unfortunately to my dismay, this mortgage loan continues to appear on my XXXX and TransUnion Credit Reports.
I have a credit card with Capital One. It is and always has been in good standing. Capital One XXXX XXXX XXXX UT XXXX. XXXX keeps reporting that the account was closed and charged off as of XX/XX/2017, when it fact it is not. Numerous calls to Capital One have not gotten anything resolved. The Customer Service reps say XXXX thing, sends a letter to state they have fixed it with all credit bureaus and when I get my reports, it is still the same - Negative Charge Off. I pay my bill every month and use the card.
Transunion continues to have XXXX  on account incorrectly. I am attaching the monthly payments. XXXX was not late 5 times. XXXX has been reporting falsely for months and I have contacted XXXX XXXX XXXX  XXXX  which handles Consumer issues and they will investigate the company on these unless this is fixed. They continue to report avail credit incorrectly as well. As reported does not match the statements either. I have paid them over 2600 Attached is all proof. Also Transunion continues to report hard inquiries incorrectly. I have disputed all the ones I did not authorize. I did contact the ones I am disputing most of them do not answer any calls or emails because scams and 3rd party internet predators. I have 6-7 inquiries on XXXX  and XXXX. Transunion is the only one with almost triple amount. These need to removed immediately. These inaccuracies are causing harm and not being removed. Also attached the information as Transunion website will not allow me to dispute online it just goes to attached screenshots and sits there or tells me I have to pay XXXX
XXXX XXXX XXXX IS SELLING MY STUDENT LOANS TO XXXX. XXXX is known for their snake like tactics and poor service to consumers. They are being sued. I also do not believe AES has the appropriate data to prove they are he owners of the loans as they refuse to provide the agreed terms on my loans when asked.
I borrowed approx {$55000.00} in parent plus loans, beginning in XXXX and ending in XXXX for the purpose of financing XXXX of my childrens ' education. Some of the loans were co-signed by my ex husband, and all were qualified through the income from his business. Divorce papers were filed in XXXX of XXXX, and he blocked me from access to all family finances, while refusing to make payments on these loans, which then went into default. The divorce became final in XXXX, and the divorce agreement stated that though he retained his profitable business, we were equally liable for the balance of the loans, and I did not have the resources to hire a lawyer to hold him accountable. I called the loan company, who insisted that the only option was to put all of the loans on forbearance, and the only way they would do this was if I consolidated the loans into one debt. As per their instructions, I signed the loan consolidation papers and the new loan was placed on forbearance status. Without the guidance of a lawyer, and based on the " expert '' instructions of the Navient employees, I unknowingly removed my ex husband from any liability or connection to the loans by only signing my name. In addition, every time the forbearance status came due, I was advised to renew the status. At no time was an income based repayment plan offered or discussed. As a result, this loan was on forbearance from XXXX until approx XXXX when I called and asked about the IBR plans, adding capitalized interest at astronomical rates, and bringing the balance up to {$87000.00}. If the subject of an IBR plan had been discussed when the loan was first consolidated, the interest would not have been capitalized and the principle balance would still be at my original {$61000.00}. Navient 's employees should be held accountable for providing incorrect and harmful information, in this case unnecessarily increasing my debt by {$20000.00}, lengthening the repayment time, and resulting in the removal of the co-signer 's liability. I will be XXXX years old when this debt is dismissed, and I will never have made a dent in the balance, due to the high interest rate on the higher principle. In addition, with the high balance to principle ratio, I will never again be able to buy a car, house, or establish useable credit.
A title loan ( refinance ) was opened on XXXX/XXXX/XXXX with Key Bank. This institution is based in XXXX, Ohio. I live in XXXX Kentucky. There were branches nearby at the time of taking out this loan. Since this time, all Kentucky branches have closed. 

The account was paid in full ( online ) on XXXX XXXX, XXXX. Since this payment was made, Key Bank sent a Lien Termination letter with notarization, but did not otherwise seek to release the lien with the XXXX XXXX Clerk 's office. 

On XXXX XXXX, XXXX, I traded this vehicle at a dealership in XXXX, Kentucky. Since this time, both the dealership and I have tried to release the lien on the vehicle with no success. 

Kentucky requires that form TC XXXX ( as required by the Kentucky transportation cabinet ) be completed by the lien holder and will not accept a lien termination letter. 

Key Bank does not have this form on file and has failed to attempt to release the lien. They have only sent extra copies of the lien termination letter. I have been forced to fill out this form and fax to Key Bank with the hopes that they will comply and fax a copy, with a forwarded original to the XXXX XXXX XXXX 's office.
On Saturday XX/XX/2017 I went into my bank branch to sign papers to be able to transfer funds between my business and personal accounts and to cash a check. The teller refused to sign me in and let me wait in line for a banker and she then refused to cash my check ( MY business account check written to ME for cash ) and she refused to allow me to close my accounts as I requested several times. She said she was teaching me a lesson. There were no holds on my account, no reason for the check not to be cashed. She was mad at me because I said I was taking my money to another bank and she then absolutely refused to let me do anything at all on my account. I have filed formal complaints with the bank and have spoken to the branch manager. No one has called me back, when I call them no one will talk to me now. There have been many other problems as well, but this one has by far been the worst.
I was contacted by Mercantile Adjustment Bureau personnel by the name of XXXX XXXX. The phone call directed to my Aunt house the person left a voice message stating that, this was attempt to collect a debt even, if you do listen to this recording then you are stating that this is indeed '' XXXX XXXX '', and by listening to this message you are confirming of this valid debt, you are formally being notified of a law suit concerning this Debt Please return call to XXXX. XXXX..unquote. This statement is against XXXX, and collection of a debt. This form of collection is illegal, they did not verify if this was indeed my phone number, then they left the message on a family member number letting any information private to me open to anyone with access to my aunts voicemail system. Then they indicated if you listen to the voicemail that you are indicating that you accept this debt and are indeed XXXX XXXX if no contact made on this debt you are formally being notified of a law suit concerning this Debt. What kind of mess is this?? Illegal, Illegal!! Per. fair credit reporting whether original creditor, or collector of debtor, or buyer of debt, you must contact in specified guidelines. I will not be threaten, I know my rights under fair credit laws. Also brutal threats can not be made in attempt to collect a debt. I have yet to see proof of this debt, written notification to review this debt, and account information regarding this debt.
XXXX XXXX has reported I'm passed 30 days late and when I called they said I paid to early which actually I paid on my due date and never 30 days late. The only thing that changed was my minimum payment which I'm enrolled in the hardship program which they adjusted my payment.
As I gathered my annual credit report I noticed that there were a few of my hard inquiries that fell off but were reinstated and i never received a 5 day notice ( which is a FCRA violation ).
Me and my husband had this XXXX XXXX credit card in 2002. Myhusband made his payments on the card until he loss his job. Theyoffered us an settlement offer of 4 payments. I made all of mypayments on time. The very last payment I made was on time, butthey did n't process it until the next day. So the customer servicerep. to me I was late on my payment, so they was n't going to honorthe offer. I told them I made my payment on time. He said, '' Well we did n't get it on time, so your late and the payment offeris no longer good. '' I also tried to get the information from my bankto use but it has been more than 7 years the bank do n't have theinformation. I do n't owe them anything at all. I made my payments asagreed and they did n't keep there arrangement. The balance is XXXX. 
They put it on my credit as if I never made a payment and so forth. 
Now they have Midland Funding llc reporting there information. Thisdebt is more than 13 years old. They still manage to sell info to Midlandto resubmit it on my credit.
I did purchase a car in XX/XX/2014, as a Creditor/Entitlement Holder/Registered Owner, I did did send them a Conditional Acceptance upon Proofs of Claim to XXXX XXXX XXXX XXXX, giving them 30 days to submit their claim/validating the alleged debt, they never did. I did issue an Affidavit of Notice of Default, right after that, they stop sending statement. Further more I did send them an Optional Form 91 to release the property from escrow, they never reported the account properly, instead they have it listed as a charge off on all 3 credit bureaus. XXXX XXXX XXXX XXXX did also receive a bill of exchange in the amount of {$40000.00} and, they never correct the reporting nor try to repossess the car.
Student loans are being reported 6 times, as charged off accounts 3 of them for XXXX 3 of them for XXXX. Totaling over 15,000.00 in charged off accounts that should not be appearing on my credit. I have tried for years between the XXXX XXXX XXXX, and XXXX to get this fixed, to no avail. Please help get this fixed I am desperate!
We applied for a mortgage loan with Ever Bank for our new home and they are asking us to pay {$5000.00} as a deposit to lock in the rate without even giving a loan estimate with proper closing costs in writing. We shared our details with the loan officer including our XXXX 's income information and details of the property we are in contract with. We asked to pay {$5000.00} to lock in the rate without giving a proper loan estimate with details of the loan as per TILA laws/disclosure guidance as per XXXX Details of loan officer. 
XXXX XXXX Loan Officer T. XXXX C. XXXX F. XXXX XXXXXXXXXXXX XXXX ID : XXXX
I keep getting phone calls from a supposedly debt collector, " Southwest Credit Systems. '' The caller does not leave any voicemail. When I call the phone number back, the automatic response goes " all call may be monitor or recorded '' and " this is an attempt to collect debt and any information obtained will be used for that purpose. '' I talked with an actual person when I press XXXX for a representative. I asked the person whether or not that " South West Credit Systems '' is a legal business and she had to refer to her supervisor was probably standing beside her because I heard whispering. She said she can not answer that question. I then ask what is the company 's phone number ; she was short with me and said that it is whatever number I called. I repeated the same question, but she would not say. I asked for the company 's address and she said it is somewhere in Texas. When it was too much for her to answer my simple question, she said that she could not speak to a third party ( who I am supposedly ). 

The following phone numbers are the calls I get from " Southwest Credit Systems '' XXXX XXXX XXXX XXXX XXXX XXXX I looked up Southwest Credit Systems ( XXXXXXXX XXXX ) , and it does exist but with an area code of XXXX in Texas. That company has a tarnished reputation from all the reviews I read. I am sure the scammers are using Southwest Credit Systems 's name for legitimate appearances.
I am listed as a potential victim according to the equifaxsecurity2017.com website, and would like a resolution. My information was compromised due to poor security on Equifax 's part.
On XX/XX/XXXX when I contacted the debt agency EOS CCA in regards to a remark on my credit report they could not provide me with any information regarding the account they were trying to collect for. I had no information on what services were rendered or anything. I asked for this information in writing and have yet to receive any information. I am in the middle of purchasing a home and this is when this account was brought to my attention. I immediately contacted the creditor to resolve. On the recorded call with the agency it was told to me that if I payed and settlement with a certain amount that the account would be completely removed from my credit report due to them not sending me any information before reporting on my credit!. Today XX/XX/XXXX I attempted to contact the agency in regards to the closed status showing on by report instead of the removal and they told me pretty much too bad. This is false representation on their part and should be illegal! They can not give a costumer false information and Collect money from them under false pretenses.
I recently conducted a review of my credit report, and I noticed that your agency showed XXXX ( XXXX ), XXXX XXXX XXXX, XXXX XXXX ( XXXX ) credit inquiries without my knowledge. The unknown and unauthorize inquiries in question was apparently made by XXXX XXXX ( XXXX ) on XX/XX/XXXX, -XXXX ( XXXX ) on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. An unauthorize hard inquiries by XXXX  XXXX XXXX on XX/XX/XXXX, and XXXX XXXX, XXXX. I have not informed or recalled of any association with these company. I have contacted XXXX, and XXXX XXXX XXXX and XXXX XXXX ( XXXX ) requested them to take action to get this inquiry removed from their records and to erase any record of the inquiries with all credit reporting agencies. They assured me they would comply with my request and proceed necessary steps to resolve the issue. I wanted to contact all the credit agency as well, just to make sure the issue would be resolved immediately.
I worked for the City of XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX through a temporary agency XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX. My credit report from XXXX Bank in XXXX XXXX XXXX says under the collection information that I owe the city of XXXX, {$650.00}. I only worked for them from XXXX 2014 - XXXX 2014 through the temp agency. I never borrowed money from them. I only lived about XXXX blocks away and they had my address if there was anything wrong why did n't they contact me or the temp agency. I did file a complaint against them through the XXXX XXXX XXXX XXXX but the complaint did not fall under their statutes. the dates are XXXX almost the same dates as I worked for them.
XX/XX/18 - I checked online to verify if my employment direct deposit posted. While reviewing the account, I noticed my account was closed on XX/XX/18 - CLOSEOUT TRANSACTION - DDA INT BEARING. Due to the unexpected account closure, my direct deposit was rejected and I will not receive my funds from my employer for another two weeks ... XX/XX/18. I called Wells Fargo on XX/XX/18 and no customer service rep could provide an answer as to why my account was closed. I never received an email or mail notification prior to closure. I later find out that my account was closed because there was no customer generated activity after 61 days. There was numerous transactions in the last 60 days but no ATM withdrawals. I was overseas on work assignment for 7 weeks so I guess this is how Wells Fargo treat its longstanding customers by removing them. My account needs to be reopened immediately. I received an email regarding the acct closure on XX/XX/18 ... only after I complained about not receiving any notification. Please help.
After my wife developed health problems disabling her, and I was asked to resign my employment due to the closure of the branch I was to work at, we began to get behind in our payments. My wife was diagnosed with XXXX XXXX and the work I found was only temporary and was not enough to feed us, pay utilities, and the mortgage. At the same time my mother in-law needed some help copping with the loss of her husband and her XXXX daughter. We made the decision to put the house up for sale and return to New Jersey. We had hoped to sell the house and avoid a foreclosure. Unfortunately we selected and ineffective realtor and signed a contract. We are now more the a year behind in payments. The mortgage company put a notice of foreclosure on the property and re-keyed the back door, ( this was in violation of our state law ) they had not received the documents to take this action at the time. The mortgage company has also informed the credit agencies that we are in foreclosure and we have never received documentation to this day that they are formally foreclosing on us. We consider this harassment because at our foreclosure avoidance hearing we specifically informed the parties that we are trying to avoid a foreclosure on our record and not one representative said that it was already appearing on our record, or would appear with out us receiving documentation. In fact we believed that if we do a deed in lieu we will avoid a foreclosure. We made it very clear that was our plan and we were not informed that it was n't an option.
We recently paid down the principle balance due on our HELOC in order to lower our monthly payment amount. When we could not obtain an accurate payment amount on the LOANCARE website, I called their customer service.

I placed three phone calls to the company.

1 ) ( XX/XX/XXXX ) - Reached a LOANCARE representative who stated I would be contacted by XX/XX/XXXX to gather information to " recast '' the loan.

2 ) (XX/XX/XXXX ) - No call ever came. I called LOANCARE again. The representative stated that the loan could not be recast because it was a variable rate, but that my payment amount would be recalculated on the new principle balance of {$60000.00}, loan due date of XX/XX/XXXX, and it would appear so in my next statement.

3 ) (XX/XX/XXXX ) - Received the HELOC statement and noticed that the loan had been recast by accelerating the contract due date to XX/XX/XXXX.

4 ) ( XX/XX/XXXX ) - Called LOANCARE. Representative told me that provision # 10 in the attached HELOC agreement, " allowed LOANCARE to make changes that unequivocally benefit you. '' LOANCARE has without contractual basis or cause, accelerated the loan term thereby materially violating the contract.

There is ABSOLUTELY no " unequivocal benefit '' to us to have the loan repayment terms accelerated.

1 ) The loan maturity or due date is XX/XX/XXXX, approximately 9 years from now.

2 ) The HELOC was sold to us as a 20 year home equity loan.

3 ) There is no acceleration clause in the contract.

4 ) The purpose of paying down the principle was to reduce our payment and we relied on the repayment terms of the contract maturity date.

5 ) Acceleration of the repayment period solely benefits the mortgagee.

6 ) It is pure fiction that we ( the mortgagor ) derive some " unequivocal benefit '' by having the repayment period accelerated.

7 ) Contrary to what LOANCARE representatives stated to me on the phone, LOANCARE can recast the variable rate HELOC and in fact has by recasting our HELOC maturity date to XX/XX/XXXX from XX/XX/XXXX.
I became a victim of ID theft in XXXX when my Identity was compromised. I believe that XXXX or more tenants who moved into previous addresses i have resided have used my personal details to open accounts in my name. I have never held a utility account with XXXX XXXX now XXXX XXXX XXXX.
I have had many issues with my lender since XX/XX/XXXX - presentI have attended the XXXX Save your Home Project where I was denied the opportunity to save my home. The lawyers representing US Bank XXXX, XXXX and XXXX XXXX sent a attorney XXXX XXXX who was at the conference hearing and me and my husband explain our financial hardship and the unexpected XXXX XXXX of Our Son and the unexpected funeral cost that had hit us all XXXX. XXXX said the loss of our son was not her concern. How could we pay balance due at this time. 
I did not found out until XX/XX/XXXX that my FHA loan could have been modified. 
I was sending the needed paper work that US bank ask me for and I did not know that I should have used a housing counselor because of the format needed to be use to have my housing documents legal done. 
Today we are facing a sheriff sale dated for XX/XX/XXXX summit another modification package to US Bank requested by my Default resolution manager XXXX XXXX who I have corresponded with over the last XXXX years XXXX ext.. XXXX package was reviewed and a decision was made within XXXX days and he told me I was not eligible for a modification or hamp and I could not file a Appeal. 
All the housing counselors I have used have been complaint with US Bank but they have not been or has US Bank tried to help me with my home but XXXX and I stated to them I could not honor the modification they presented because I would be in default again. Then I must wait XXXX months to be eligible for assistance and this just made matters worst but I was following the advice of US Bank. I never got a fair chance to save my home by XXXX XXXX I 'm facing the unbearable truth of being homeless.
THERE'S SEVERAL ACCOUNT IN MY CREDIT REPORT ITS BEEN 7 MONTH I BEEN SENDING LETTER REQUEST PROOF THAT ALL THOSE NEGATIVE ITEMS IS NOT MINE ALL THRE CREDIT BUREAU NOTHING WAS DONE. EXPERIAN, XXXX, XXXX ALL THEY KEEP SEND ME YOUR FILE WAS VERIFIED AND UPDATE NO DOCUMENT WAS SENT TO ME PLEASE HELP ME A LOT OF INQUIRY IN MY CREDIT I EVEN SENT LETTER TO THEM NOTHER WAS DONE
False refinance information provided by originators of loans in XX/XX/XXXX led to almost foreclosure and eventually bankruptcy in XX/XX/XXXX. Still trying to recover financially as my home is in need of dire repairs, but I am unable to loans because of bankruptcy.
XX/XX/18, {$1500.00} XXXX XXXX and National Commercial Services have been targeting me since XXXX stating that I wrecked one of their vehicles and requesting/threatening to suspend my license which is false. They can't seem to provide any legal evidence/police reports or anything to show I was involved in this?