WillisBack/dataset-financial-user-claim huggingface dataset:
I have never had a business relationship with the creditor. Collector filed a law suit, for which I did not receive written notifications to appear in court to defend myself. The collector sent notifications to a previous address I no longer have access to and compromised my privacy. The collector obtained a court order to freeze my bank accounts by misrepresenting the facts. The lack of access to my bank accounts has created a hardship causing me to default on my daily commitments ; both personal and in my business due to lack of access to my bank accounts. This type of harrasment has created excessive stress and has disrupted my job, which is the only way I have to support my family.
Somehow my number was stolen and used to purchase merchandise online. I immediately noticed the charge and tried to call to get it figured out. I get my social security survivor benefits through Direct Express, and as far as I can tell so does anyone else who does n't do direct deposit. My issue with this company is that they have only one way to get a hold of them, one phone number. I am on day 12 of trying to get this money back that was stolen from me. I call every single day, at least 3 times, and the automated operator who comes on when they transfer you to a tier XXXX agent, just says it 's too busy, call back later, and hangs up. I have only made it through twice, and that did n't go well. They re saying it will be at least 8 weeks to refund the money back to my account. I do n't understand why they have that right, I feel like i 'm being victimized by them, I have had no help whatsoever in this matter. I even got the address to where the stolen merchandise was sent, and they don, t care, did n't want the info.
received call at XXXX on XX/XX/2016 and the television caller id identified the caller as Portfolio Recovery XXXX had called /but on the voicemail did not leave a message could not call back as long distance and can not afford/I am XXXX /another XXXX person lives here as well
On XX/XX/XXXX I closed on a loan with TD Bank XXXX XXXX XXXX XXXX XXXX, Pa. XXXX. The loan was in the amount of {$220000.00}. Which the following was to paid out to creditors : XXXX XXXX XXXX {$110000.00} XXXX Credit Card {$9400.00} XXXX {$2300.00} XXXX  {$1900.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX  {$67000.00} Total {$190000.00} Check to Borrower {$31000.00} Total Loan {$220000.00} Payments were suppose to be made to the creditors 10 days from settlement. However only the credit cards were paid. XXXX, XXXX, and XXXX XXXX were all paid on XX/XX/XXXX. XXXX XXXX XXXX and XXXX have n't been paid as of the writing of this complaint XX/XX/XXXX. 

I have been in contact with TD Bank, XXXX, and XXXX XXXX XXXX multiple times. TD said they sent the checks out on XX/XX/XXXX. But they did n't get a tracking number from XXXX. I did receive a call from TD Bank on XX/XX/XXXX that XXXX XXXX XXXX sent the check back to the TD Branch by mistake and I was told that it was resent to XXXX XXXX XXXX. However the funds still have n't been applied to the payoff of the loan and when I call XXXX XXXX  XXXX they have no evidence that this happened. XXXX still has no record of any payment for the payoff. 

At this point I 've been charged for principal and interest on the new TD Loan and they took payment out of my checking account on XX/XX/XXXX in the amount of {$1500.00}. I 'm also being charged for the loans for XXXX XXXX XXXX and XXXX which should have been paid off before the new TD payment took affect. I 'm lucky I caught that the payments were n't made by TD Bank or these loans would have gone to collections and affected by credit rating. All along TD Bank had no idea that the loans were n't paid off. 

I do n't think there 's any sense of urgency from TD Bank to fix the issues, while I 'm out about {$800.00} in extra interest and penalties and this number is growing. 

Any help to get the XXXX and XXXX loans paid off and refund me charges that are n't my responsibility would be much appreciated.
Hello and thank you for your service ( s )! 

I TOO.. Want to help YOU and consumers connect with financial companies to understand issues, fix errors, and get direct responses about problems. 

I WISH I DID NOT HAVE TO COMPLAIN TO A 3RD PARTY. : ( It is semi-comforting to know that Submitting my complaint WITH YOU helps OTHERS TOO and plays a role in everything YOU do, helping YOU to identify problems and prioritize YOUR work AND turn MY complaint into action to improve the marketplace. This is VERY important to me! 

Here is my ordeal in brief. 

NO ONE @ BMO Harris has adequately explined to me " EXACTLY '' why my " electronic deposits '' were not acceptable! 

I opened my BMO Harris accout in early XX/XX/2017 with an promotional incentive coupon from the bank itself stating in fine print I need to have " direct deposit OR ANY other electronic deposit '' of {$300.00} or more for 2 consecutive months ( which I actually did for 4 months, see image screen shot ) and " AUTOMATICALLY '' receive {$200.00}. 

The banker that accepted the coupon XXXX XXXX at the XXXX Wisconsin BMO Harris Branch 1st FAILED to inform me promptly that this may not be acceptable while trying to acuse me of being hostile. I was not in any way hostile and was appologized to by another member of the bank for her behaviour. I was VERY disappointed in her lack of timely concern for my {$200.00} incentive, she merely opened the account, DID NOT CARE and/or forgot about the incentive altogether there-after! She sure DID NOT  forget to sales pitch me for a mortgage though!!! 

I NEVER RECEIVED THAT {$200.00} bucks, it has not been a year yet so this is my final attempt to get my {$200.00} bucks before possible court/legal action. 

Heres your coupon! Promo Code XXXX Swing by a nearby BMO Harris branch with your promo code or open your account online now. Well automatically apply the {$200.00} cash bonus promo code when you apply online. Youll get {$200.00} after you open an eligible checking account with qualifying direct deposits. 

I would like BMO Harris executives to credit {$400.00} for my having to wait a year for it now. 


{ END OF MESSAGE TEXT } - ERROR ATTACHING FILES/IMAGES
Please see Unauthorized inquiries from XXXX on XX/XX/XXXX and XX/XX/XXXX. Please remove from my credit file as these inquiries are unauthorized and without my permission.
I was hired by XXXX and two days after being hired, and doing work for XXXX, was told I had to be sent home because I had apparently falsified something on my application. I was provided a copy of my consumer report from GIS, the company that runs the reports for potential employees, and discovered XXXX issues : Another person 's name, " XXXX XXXX '' was under my SSN, and also my criminal history was being held against me as being falsified for not supplying any information ( their online application did not ask me to submit my criminal history, just to consent to a background check, and on my consumer report this is listed as " not provided / non-applicable '' ). I was told I had 5 days to dispute these findings, but was notified by XXXX that I was already terminated based on these findings before any disputes were even reviewed. I faxed GIS a dispute form with a copy of proof of identity ( my Social security card ), and mentioned several times the application process never requested my criminal history ( all of which was disclosed at the interview anyway ). It has now been 5 days, and I have not heard back from them and I still do not have a clear answer from either GIS or XXXX as to what was " falsified '' on my application, so my attempt to prove or disprove anything within the report is speculative at best. I have faxed, called, and emailed both companies at several levels, and still received no explanation for what they believe was falsified, and have been told multiple times that I am already terminated because of information found in my Consumer Report provided by GIS, despite the review process not even being completed yet. This is against my rights under the FCRA.
I have a Best Buy Credit Card which is run and managed by Citi Bank. I have XXXX promotional balances on this card. This card is also used for every day transactions. I kept getting interest charges even when I payed off my monthly use each month and could not figure out why. I finally found out that when I send in a check to pay for all of the transactions on this month 's bill ( the promotional balance is not due ), that check is not completely applied to the monthly transactions but rather also to the promotional balance. They do this so that they can charge me an interest charge. I have asked them to correct this and they say they can not. I 'm luckily diligent enough to figure out how they are incorrectly applying this interest charge but how many other people are being abused? This is stealing. I have n't lost any money because I catch it and spend 30 mins on the phone with them each month correcting it. But I have lost valuable time. This has been going on for 1.5 years.
XXXX has filed a " Collections Account '' on my credit report for {$78.00} for XXXX XXXX communications company. I am unaware of what this account is, and the last time I had dealings with XXXX XXXX was over XXXX years ago. I have received no contact from this company and my understand is this would be outside the statute of limitations and they should not be reporting this on my credit.
Commenity Bank acquired my credit report and no one has any record of it. I did not authorize this Commenity Bank/  XXXX   to pull my information. When I call they have no record of it but its still showing on my credit report. It shows that the inquiry was acquired in  XXXX . I called in  XXXX  and asked to have it removed to no avail and they can not find anything in their records that I even put in the inquiry. Thank you!
A few weeks ago I was shopping for a car. Over the course of 2 weeks, I must have submitted anywhere from 30 to 40 applications for credit.
The inquiries showed up immediately on my reports, but now, it looks like all my scores have gone down 30 or more points. I 'm not sure if this correlates with the closing of a secured card I had with XXXX XXXX ( the only one I had ) or if this is a result of the inquiries. 

If it is a result of the inquiries, I am confused. Those were back to back in efforts for me to shop around for the best deal. I thought most scoring systems counted this kind of inquiries as just one.
Ally Bank closed my online access in XX/XX/2018 for unknown reasons. I contacted the Bank on XX/XX/2018 to try to gain access to my account and provided all confidential information requested. Was informed that a Bank employee would call me in a few days to follow up. 
Called Ally Bank later the same day and spoke to a representative about transferring funds to another Ally account within the Bank, and was rudely informed that my account could not be accessed at this time. 
I have almost {$250000.00} in an online savings account with Ally Bank earning a low 1 % interest, I suspect they want to keep by account locked so they can continue to pay below market interest on my account. 
I have not been able to access funds in my account for almost two months.
On XX/XX/XXXX at around XXXX XXXX, I visited the Santander Bank Branch at XXXX XXXX, XXXX XXXX, NY XXXX and used the ATM machine to make a {$440.00} deposit. I put the money into the ATM but no money was credit to my account. The ATM showed that there's an error and please try later. I immediately contacted the bank clerk at the branch and called their customer service, and they provisionally gave me a {$440.00} provisional credit. 
However on XX/XX/XXXX, Santander sent me another letter saying that they've completed the investigation and no errors was found, and they are gon na take the money away from my account again in a few days. I don't know what to do, because it is a large sum of money for me, and I have to seek help from CFPB.
I applied for a parent plus loan to help my daughter who was going to college at   XXXX   XXXX   XXXX   in   XXXX   XXXX  , SD. I have had student loans myself so the paperwork and application process was not new to me. I also work in the financial industry and actually processed student loans as part of my banker/manager position. My daughter went to school the  XXXX  of  XXXX . She chose to take a break from school in  XXXX  of  XXXX . I contacted Navient to discuss options for the repayment plan for the loan. We were denied deferment or forbearance and was charged capitalized interest right away on  XX/XX/XXXX  for {$1000.00}. Payments began the following month on  XX/XX/XXXX and each month thereafter. So I 'm paying the capitalized interest of over {$1000.00} and also interest compounded on top of that. Something is wrong here! I am attaching the history of our payments, breakdown of interest, capitalized interest and what has been applied to principal. Please let us know if this is legal.
Thank you.
Filed a complaint with Equifax stating account with XXXX was included in 2010 Bankruptcy and to show account closed. Equifax can see my bankruptcy information because this is a public record included in my credit file. They still show account open. 
I filed this information last year and they still show this incorrect info in my file.
I had opened a JCPenny credit account with the intent to rarely use it and help build my credit. My understanding was that one part of building good credit was by having available ( unused ) credit. After a period of time ( 1 or 2 years ), I received a notice that Synchrony Bank ( the JCPenny card backer ) was closing my account due to inactivity. My loss of available credit caused by credit score to go down. In addition to that I received notice from Synchrony bank that my Amazon Card limit was being reduced. I found out that Synchrony Bank actively pulls credit scores of it 's current clients, without making it clear that they will be doing this ( I 'm guessing it is buried deep in Synchrony 's legal gibberish ). If they feel a clients score no longer meets their criteria, they automatically reduce or close the clients account, regardless of the status of the account.
Back in 2011 I paid one of our payments on line. We were notified that the payment went thru on their online system. It was n't until months later that we were notified that it did n't go thru. By that time we had 3 -30 day late payments on our credit report since it had put us a payment behind by not having that payment go thru. We were told that the problem would be fixed with the credit bureaus by the company but it never was and we have tried repeatedly to have it removed by disputing it with the credit bureaus with no success.
In XX/XX/2016, I sent a letter to Ocwen Loan Servicing ( OLS ) that it was becoming difficult to meet my current mortgage commitment loan payments ( Exhibit 1 ). I did not receive a response from OLS for 45 days. OLS suggested a loan modification and I agreed.

My complaint is that the process consumed nearly a year. I have signed many loans over my life and I expected the process would take one or two months the length that normal loans take to complete. The loan listed above was underwritten by XXXX XXXX and took one week to complete. With OLS it took a year to modify.
I received several letters from Trasworld Systems stating I owe XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, Mo. Phone XXXX. The sum of {$99.00}. I called XXXX XXXX & they told me that my account was paid in full. To ignore the Collection Agency. I do n't want this to affect my credit score & I want Transworld to leave me alone. I called Transworld but could never get through. Please help.
My problem is the interest rat  is 58.99 (  APR ) annual percentage rate, so it has to be divided over the life of the loan, it seems they just add  XXXX  to the loan amount I received,  XXXX . Even with more than minimum payments and an early buyout, they took close  XXXX  cents. That is almost 100 % APR. My savings even with large payments and buying out  8 payments  into a 15 month loan is loan sharking. It seems like funny math and calling it an annual percentage rate. It is  Republic Finance    XXXX   XXXX   XXXX   XXXX   XXXX   SC  XXXX   XXXX .
I have disputed the account ( Account number XXXX ) online through Equifax information systems. Equifax came back and said that it was " verified '' by the collection agency, however they could not provide me with the information on HOW it was verified or a contract that I signed with their agency ( XXXX XXXX XXXX.. This account does not belong to me. I started checking my credit in XX/XX/XXXX When I researched my credit history I had absolutely NOTHING on my record aside from names and addresses as of XX/XX/XXXX. I applied for a credit card and was approved. Meanwhile, I check my score a month later only to find out that a company by the name of XXXX. has reported a debt that is 7 years old on my Equifax credit report. The account " says '' XXXX date : XX/XX/XXXX. However, the last reporting date was XX/XX/XXXX. This is unfair credit reporting. I have/had no knowledge of the account and feel as I have been unfairly targeted. There was no collections on my credit in XX/XX/XXXX and now there is XXXX on there 7 years old. This practice is not right and it is compromising the integrity of my reputation, and the ability for me create opportunities for my family. Please look into my situation. This company has not followed proper protocol when it comes to debt collection and had not provided me with any written or verbal communication stating they would be placing said debt on my credit report ; which is a direct violation. I should have been notified in writing five days before the account is placed on any of my reports. Therefore, the account is invalid, unverified, and illegitimate and should be removed immediately.
In XX/XX/XXXX, I settled a debt through a law firm for a XXXX XXXX/Metris credit card account. 
In XX/XX/XXXX, I was contacted by another law firm and told that I owed for that same account. I contacted the original law firm and they re-sent me the settlement letter and confirmed that they had my account as satisfied and that they had let Metris know back in XX/XX/XXXX. 
I faxed the settlement letter to the law firm who contacted me as well as bank statements showing the payments cleared. They apologized and assured me they would correct the issue with Metris. 
I have since heard from at least XXXX other law firms on this, almost on a yearly basis. Most recently last week. I submitted yesterday, the settlement letter to the latest law firm. 
Metris has been bought by other companies since I settled the debt and I can not find an up-to-date contact number so that I can address this directly. The law firms will never give me the contact info they have, they only assure me it will be taken care of. However, this is only 'taken care of ' until Metris ( or whoever owns these old Metris accounts ) sends my info to a new law firm. They never update my account correctly to show that it is satified. I do not think it is fair or reasonable that I hear almost annually from a lawyer on a debt that I have satisfied and paid taxes on. I am attaching the settlement letter which has the original law firm information.
I have been a victim of identity theft and i 'm trying to dispute inaccurate items on my credit report.
I AM SO SICK OF THIS COMPANY THEY KEEP CLOSING MY ACCOUNT WHEN ALL OF MY MONEY GOES TO THE ACCOUNT AND THEN IM STUCK WITH NO MONEY, NO WAY TO EAT, NO WAY TO FEED MY KIDS, NO WAY TO PUT GAS IN MY CAR OR ANYTHING AND THEY THINK THAT'S OK. THEY NEED TO BE SHUT DOWN IMMEDIATELY THEY HAVE DONE THIS TO ME ABOUT 6 TIMES AND NEVER TRY TO FIX THEIR ISSUE. THEN YOU SELECT THE ENGLISH OPTION AND NEVER GET ANYONE THAT SPEAKS ENGLISH, JUST SOMEONE REPEATING THE SAME THING OVER AND OVER AGAIN ABOUT HOW THEY'RE SORRY AND CAN'T FIX IT WHEN THEY CAN FIX IT BECAUSE THEY HAVE DONE IT BEFORE. THEY DON'T EVEN ASK YOU IF YOU WANT YOUR ACCOUNT CLOSED, THEY JUST CLOSE IT WITHOUT YOUR PERMISSION AND THINK SOMEONE WITH NO FUNDS ON HAND IS SUPPOSED TO WAIT 7-10 DAYS FOR THEM TO SEND ANOTHER CARD I DON'T XXXX THINK SO.
I 've receiv ed four letters i n the last month fro m PHH M ortgage in reference approximately {$10.00} in additional escrow payments. Each letter I receive for additional money for my monthly mortgage payment is followed up by me with a phone call to their customer service. I always ask to speak to a representative in t he U. S. A. t o insure their is no language barrier.  <P/> My conversations with  PHH c  ustomer service representatives indicate their is no issue with my mortgage and I am current with my mortgage payments. Within a week of the above conversations, I received two letters form PHH stating I owe  them money for late payments, including the next months mortgage payments.  <P/> The most recent letter form  PHH states they have not received my current month 's payment and is a notice of the creditor 's ( PHH Mortgage ) intent to enforce a lien against my property. I followed up on this ( third ) letter to PHH customer service re presentative  XXXX   XXXX  who assured me there will be no lien on my property and my payments are current.  XXXX  advised  that PHH Mortgage is a large company and it is impossible to communicate with the person ( s )   who are responsible for late/missed payments.  <P/> To his credit,  XXXX   XXXX  sent me an e-mail indication my mortgage payments are current and no money is owed to   PHH Mortgage.
<P/>
This complaint is to inform CFPB that PHH Mortgage is sending harassing letters with false information to customers and continue to send inaccurate information to customers, via weekly letters to respond with additional money not owed to PHH Mortg  age.
Again, after making a payment to Navient, my balance increased. This has happened several times, but this time I took screen shots of the page. On XXXX/XXXX/2016, prior to making a payment of {$300.00}, my balance was {$34.00}, XXXX and today ( XXXX/XXXX/2016 ) after posting my payment of {$300.00}, my balance is {$34.00}, XXXX. Previously, when I have contacted customer service at Navient about this, I did not have the screen shots to prove my balance increased and now I do. Kindly advise me on what to do about this as it appears to be an ongoing issue that may have been costing me money I do not owe. I am happy to provide the screenshots as well. Thank you, XXXX XXXX
This account is reporting negative information and needs to remove it ASAP a s it is over 7 years old.
I have spoken to Equifax numerous times in regards to 3 Hard inquiries conducted by " Equifax Mortgage '' on numerous dates. I have spoken to numerous representatives and faxed a letter from Equifax Mortgage ( see attached ) and they state will look into and remove but still has not removed the inquiries.
I have called Transunion, XXXX about putting an " Fraud identity alert '' on my credit report. All ( 3 ) has asked me to send proof of an police report for identity fraud, I did send the information over to them. Everytime I speak with an rep at the credit bureau, they will not take the hard inquiries off my credit report. I have send in the information that they needed, so now they need to take off the hard inquiries.
I received an email notification suggesting I have a monthly statement available for an American Express Serve card. I visited the site and upon completing a forgotten password routine and accessing the account I was informed that my account had been created and that I would receive an American Express Serve Card in the mail within 7-10 days. I promptly called American Express wishing to put a stop to receiving a Serve card to close the account. I was informed I had a {$1.00} credit on the account from a promotion through XXXX XXXX XXXX and that American Express would have to mail me a check. Once I receive the funds I could then call and close the account. I looked up the terms of the account and found that the card has a $ 1 monthly fee associated with it and am not comfortable receiving a check without closing the account as I do not wish to have a balance due or have any obligation to American Express.