WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX ca n't provide my Experian free annual credit report on-line. No reason is given ; no fix time-frame is provided. There site lets me send them a complaint but it does not ask for my email, so there is not way for them to respond on a timely basis.
On XX/X/2017, XXXX XXXX XXXX responded to my HIPAA debt validation letter without proof that I was initially notified that the debt would be reported to all three credit bureaus.
My name is XXXX and I reporting BANK OF AMERICA XXXX, TX XXXX do to false credit report. I called the customer service on XX/XX/XXXX requesting to remove the incorrect information in my credit report from dates XX/XX/XXXX and XX/XX/XXXX by XXXX of over of credit limit the representative responsed that was n't possible to remove it in which I believed is unfair since my credit score decrease by a XXXX points. I will like this agency to take matter since, I consider that many other people like myself are in the same situation. If you need any further information please contact me at my e-mail XXXX or my mobil XXXX. Thank you Sincerely, XXXX
Card used for one fraudulent purchase. Citibank chose to text me at XXXX XXXX (! ) and call multiple times beginning at XXXX XXXX, which was XXXX XXXX  because I was traveling in XXXX. 

Why did they not simply send an email or letter about that fraud? Asked me about two or three other  charges and those were legit. 

Upon statement review, I have found other fraudulent charges and it's been a HUGE pain to get them to do anything about the other fraudulent charges. Including a 1-way ticket from XXXX to XXXX on XXXX XXXX for a passenger who's name does NOT match my name as cardholder. 

Complaint 1 ) NO TEXTS OUTSIDE OF BUSINESS HOURS Complaint 2 ) NO CALLS BEFORE XXXX XXXX   EASTERN IN CASE CUSTOMERS ARE TRAVELING IN THE US Complaint 3 ) MAKE IT EASIER TO DISPUTE CHARGES. SHOW THE SAME SENSE OF URGENCY IN FIXING FRAUDULENT CHARGESAS THEY DID TO CUT OFF MY CARD. 

It's clear they care a ton about Citi. Too bad they don't care about their customers nearly as much.
On XX/XX/XXXX my purse/wallet were stolen from my car while dropping my infant off at daycare. Once I realized I immediately called Chase & XXXX whom I bank with and had my cards frozen/cancelled/stopped. I logged in to my chase account to see if my new debit card had been mailed and what I found instead was my account empty. The perpetrator had managed to make 5 withdrawals ( totaling {$7700.00} ) from three different branches ( not online ) using withdrawal slips. My account was not frozen and had no alerts about this strange transactions. When I called Chase on the XXXX the representative was anything but helpful and said I had to go into a local branch to file a formal complaint -- which turns out was inaccurate when I arrived. I was told it could have been handled over the phone as I attempted to do in the first place. I was also told it could take up to 30 days to get my money back. I would like to know why Chase was not more on top of the strange account activity considering I file a theft claim on the XXXX. Every chase conversation I have had has n't be helpful and I would like to know why it will take so long to get my money back and why was n't my account closed when requested.
Midland Credit Management , Inc is claiming this account. The information sent to me to validate, shows the account has been charged off, so they are trying to collect a debt that was already paid by insurance protection. They say the original debt is XXXX XXXX XXXX XXXX The XXXX XXXX. This debt has been paid already and the fact they are trying to collect money on a debt that has already been charged off is not legal. I do not owe Midland Credit Management , Inc any amount. This needs to be removed from my credit reports.
I now have over twenty five hard inquiries on my 3 major bureau credit report. I didn't apply for all of these lines of credit. I applied at three car dealerships. Only they have my applications and authorization signatures. I think that when I started applying, some form of identity theft began and others began to apply to. XXXX XXXX informed me that I may have been exposed to two different data breaches. I wrote Equifax, XXXX and XXXX  to get these inquires removed and they are refusing to help. Please assist.
Bank of America cleared a cashiers check that I had deposited. I spent {$3300.00} of the {$7500.00}. BofA notified me today that the cashiers check was fraudulent and that they are holding me responsible for the money spent. They are at fault for clearing the check not me. I want the money reimbursed to my account.
XX/XX/XXXX I contacted XXXX XXXX to have my direct loan transferred to qualify for student loan forgiveness. I am a XXXX XXXX with XXXX XXXX XXXX ( XXXX, OH ) and have been paying my loans on time since XX/XX/XXXX. I believed I would qualify for student loan forgiveness based on the fact that my student loan payments increased yearly. I believed I was on the correct payment plan. I was never told by XXXX XXXX that I wasn't on the correct plan. When I transferred to XXXX XXXX they also didn't tell me, my loan payment dropped to $ XXXX. I thought it dropped because I qualified for student loan forgiveness and they were reducing my loan payment because I would soon be done with paying my loans. I didn't realize I would not qualify for student loan forgiveness until XX/XX/XXXXafter I  called XXXX XXXX  asking when my loans would be discharged. I called XXXX XXXX and was told I would have to change my loan repayment plan and it would take another 10 years of payments to qualify for student loan forgiveness. I WAS DEVASTATED, IN TEARS!!! That would be almost 30 years of payments. There needs to be better communication from the loan companies, I had no idea I was on the wrong plan. I was told by XXXX XXXX nothing could be done even though I've been faithfully paying my loans on time for almost 17 years.
OnXX/XX/XXXX, I received an email to my company email address from our XXXX vendor ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) changing their wire instructions to Wells Fargo bank , account # XXXX. Two wires were sent out : first onXX/XX/XXXX in the amount of {$34000.00} and second on XX/XX/XXXXin the amount of {$40000.00}. Both wires were for the beneficiary of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I was informed by XXXX XXXX that the wires had not been received. Then on XX/XX/XXXX, I was also informed by XXXX XXXX that their email system had been hacked. On XX/XX/XXXX, my bank files two wire transfer service request forms to return the funds due to the fraudulent account. The only response ( received XX/XX/XXXX ) received back from Wells Fargo so far is that there are no funds in the account to return.
This last year my identity was stolen. The person who stole my identity tried to open a bank account with the XXXX XXXX XXXX. Now my file with Chexsystems has suspect fraud activity attached to it. I am trying to open up a health saving account, and I am unable to do so because this fraud is attached to my name.
I was leasing car ( XXXX XXXX  model XXXX ) from XXXX XXXX XXXX XXXX. My lease was ended in XX/XX/2017. At the end of lease, I contacted them for end of lease instructions by phone. XXXX customer service said they will send Extension of lease agreement, I have to sign, they will give 3 payments waiver. I received mail, i signed extension agreement. As per Extension agreement I did not paid 3 months. XXXX reported to 3 credit bureaus 60 days payment late. I contacted XXXX they credited into my account. But they not responding to my request to Late payment removal. I am unable to rent apartment, employment credit checks, credit card extenions because of credit profile of Late payments from XXXX on my 3 credit bureau proflile. Please kindly help in procedure. I have copies of extension lease agreement, payment history. I was never late as 3 payments are waiver as per agreement, XXXX itself credited themselves these payments then why I am late when payments are waived as per signed agreement. Thanks!
XX/XX/2018, {$4.00}, I complaint to the bank about fees and want the money back, but the US bank keep finding excusing on charging fees.
Debt was removed in XX/XX/XXXX, and the same debt was added again in XX/XX/XXXX. I do not know anything about this?
Started a loan with US BANK HOME MORTGAGE XX/XX/2015.  Bank requested multiple unusual information and documents (I provided everything they requested) but when I requested supervisor information to verify the requests (fishing for information not regarding the loan or people not on the loan) No information provided from the loan processor and odd requests continued to be emailed.   Other issue was the home appraisal required water to be turned on,  we were advised by the seller that it will be the buyers responsibility (me) to turn on the water.  US BANK already advised if the water isnt on they will do a XXXX appraisal and charge us duplicate times so I requested and my realtor requested to be notified once the appraisal is scheduled so we can be there to turn on the water.   US BANK did not notify us so we could turn on the water.   Once I requested the loan to be closed (XX/XX/XXXX) due to their poor business practices, fishing for information, no communication on the appraisal and saying they will just charge multiple times  I started to get scam phone calls. (my # is on DNS and I had not signed up for ANY scam calls) Requested my loan to be closed again by a supervisor and my information to be securely destroyed and fees be refunded they now are issuing MORE charges on my card 24 days later that are not authorized.
XXXX XXXX XXXX XXXX has not proven or justified the issue of the California All Purpose Certificate of Acknowledgment to how XXXX XXXX XXXX the notary sign and Witness me being XXXX XXXX personally appeared on the document to make the instrument being the deed legally binding. 

I have attach the document as proof and have sent it to document places to get the document verified as it is the same signature that did and sign and fill out the document. 

XXXX XXXX XXXX XXXX has yet to give a truthful answer its all ways something I did not request or some slick talking or trying to act as if there not at fault.
-Purchased a washing & dryer from XXXX XXXX XXXX, XXXX -Had multiple problems with deliveries -Once the items delivered the washing machine began to malfunction -I paid every month on XXXX & paid off in full in XXXX XXXX -I was NEVER late and paid on time every month prior to the payoff -The washer has had XXXX repair appointments -The washer is currently not working -The washer is still under warranty -XXXX is reporting me paying late XXXX time in XXXX XXXX XXXX have contacted XXXX XXXX XXXX XXXX different times -I have was treated XXXX disrespect and XXXX has refused to correct inaccurate report -I owe NO money -I do not have a working washing machine -The inaccurate report is the ONLY late payment reporting on my credit report -I was also insulted by the XXXX XXXX with a negative XXXX stereotype
My Synchrony Bank/Walmart credit card account : XXXX is lost/stolen and compromised. Someone used my entire credit limit of {$2500.00}. All of the charges are fraudulent, unauthorized and don't belong to me.
Paypal has limited my account and is holding my money all because I share the same address as someone else with a limited account. I request that Paypal lift the limitation off my account. Paypal : XXXXXXXXXXXX
1. Th e lender  XXXX   XXXX   XXXX   XXXX  receives notice from  XXXX  Police Department that my vehicle is being held in the impou nd. (   XXXX   XXXX  )  2.  The lender ( via supervisor  XXXX   XXXX   )  informed me that  XXXX  had taken possession of the vehicle and that it would not be returned to me per our agreement and default ( " DEFAULT. You will be in default and we may terminate this contract early if  ... ( e ) th e vehicle is seized by any local, state, or federal government or authorit y. '' (   XXXX   XXXX   ) 3. R epossession agen cy (   XXXX   XXXX , state license  XXXX   ) sen t letter to me notifying me of " my right to retrieve my personal effects or other property . '' (   XXXX   XXXX   ) 4.   Lender sent me " Notice Afte r Repossession. '' (   XXXX   XXXX   ) 5. L ender sent me a " Notice of Right to Recover Vehicle '' mentioning that the account was now CLOSED. The notice read " you do not have a right to reinstate the contract for the following reasons : you have not paid an amount equal to 30 % or more of the deferred payment price at the time of repossession . '' (   XXXX   XXXX   ) Pulled cre dit reports from the  XXXX  credit bureau s (   XXXX   XXXX   ) 6. Di sputed the accuracy from my auto lende r (  my   XXXX   XXXX   ) with each of the credit bureaus, requesting that the account with  XXXX  be closed, and that all negative remarks from  XXXX   XXXX  to  XXXX   XXXX  deleted.    7.  Mailed and faxed supporting documentation for my dispute to the  XXXX  credit burea us.   XXXX   XXXX   XXXX ,  XXXX  ) 8. Informed by credit bureaus that the inaccurate information would n't be deleted, and that they have no information from the lender to share with me. After talking to the supervisor, he refused to " continue to talk in circles with me regarding their legal obligation to report accurate information under federal la w 15 USC 1681i ( P rocedure in case of disputed accuracy ), and hung up while I was talking.  (   XXXX   XXXX ,  XXXX  )
Two checks were forged and cashed out of my account. Both of them were typed. They were dated for XX/XX/XXXX. I caught the error on XX/XX/XXXX, and make a claim. I was told that my claim would take 3-5 business days to process, and then I would receive my money back. It was been 6 business days, so i called customer service to get an update. I was informed that it may take 30 business days to receive my money back. It could take until XX/XX/XXXX to get my money back. Thats 42 days My account will be shot {$1800.00} bc chase fraud department allowed two typed check to be paid. Also, my account states that I do not wish to cover anything if I do not have the money in my account. Against my wishes, I was charged a {$34.00} insignificant funds fee, so the second fraudulent check could be paid.
The debt collection agency Roth-Morgan and associates called me posing as a lawyer, threatening to sue me if I do not pay the {$250.00} balance from an old bank account with XXXX. The debt is well beyond the Florida state statutes for theme to continue to collect on. They will not stop calling or threatening me with a law suit. None of their letters say anything about an attempt to collect a debt. They are violating the fair debt collection practices act.
I applied for a credit card with Wells Fargo and was agreed that my interest would be 10 percent after two yrs. After the two yrs passed i noticed the company charges me 20 to XXXX percent interest. I notified them in requesting to close the credit card account and they refused. Note : I made on time payments on my credit card and have n't had any missed payments. I need assistance in fixing this because its damaging my credit and with me paying on time they still put me in collections.
I am working in conjunction with Keep Your Home California. I have been approved for {$58000.00} to be paid to Nationstar, dba Mr. Cooper, for my loan # XXXX. I was pre-approved through Nationstar 's HHF division via KYHC. Nationstar was sent an A report on me letting Nationstar know that I had been approved and that the funds would be wired on XX/XX/18 for the payoff amount of {$58000.00}. 
I was told by KYHC that if I do not finalize within 30 days documents that are supposed to be immediately forthcoming from Nationstar my funding will be cancelled. 
I have been trying for over 10 days to get a status on whether or not my funds were received by Nationstar on XX/XX/18, what time, how they will be applied and by what accounting method, what documents they are sending and when, and any other pertinent information so that I can execute on my end and not lose my benefits. 
The Loss Mitigation division does not allow anyone to speak directly to the Foreclosure Prevention division, which is the division that interfaces with KYHC and HHF. I have to go through a customer service person who has to email that division and wait up to 48 hours to get any information to them and another 48 hours for that person to report it to me. THIS IS RIDICULOUS. This is my home and funding we are talking about. 
To date I have received no communication other than a laconic email that said the monies have been received -- no date, no procedural information, and no explanation of documents I can anticipate and their timeliness. I was also given an XXXX number to call my point person, XXXX XXXX, whenever I needed to reach out. I have been dialing this number practically nonstop for the last two days. ( The whole number is XXXX. ) After redialing for 50 to 60 times in a row, the number is ALWAYS BUSY. I even called it just now, at XXXX XXXX Nationstar 's time, and the number is still busy, when callers can not possibly be calling in because they're not open, so I know I am being given a bogus number and the runaround. 
Please do something. I can not risk losing the benefits for which I was vetted and approved and which I need to keep my home.
Equifax Credit Bureau has  XXXX  negative marks on  XXXX   XXXX   XXXX  accounts on my credit report. Both accounts have a mark of 120 days past due for  XXXX   2011 . I filed  Chapter   XXXX  in  XXXX   2011 . According to the Bankrup tcy Laws, I s hould not have any negative marks against my accounts once the Bankruptcy was filed. The Bankruptcy is public record, so it should not be difficult to correct this issue. However, I have file several complaints concerning these issues. Equifax is reporting fraudulent information towards my credit report. Why ca n't this be corrected?
Have XXXX on my account from this company never have had any info on what is for on my trans union report the number is XXXX and the second is XXXX do n't know what they are for we have had XXXX XXXX for years and the other says insurance and we have had XXXX for years so no clue and never been contacted about these or had any info
After hurricane Irma I approached WellsFargo to take advantage of the disaster relief assistance since my home was in the affected area, they were very helpful so the agent on the special disaster relief hot-line said on XX/XX/XXXX that I could indeed take advantage to deferred up to 3 mortgage payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and place those 3 payments at the end of my mortgage term ( 30 years ) so I agreed, they promised they wo n't charge late fees, nor report to credit reporting agencies. 
However, starting on XX/XX/XXXX, I started receiving letters from WellsFargo with statements showing the owe amount ( {$2200.00} x 3 months = {$6600.00} ) and that I had to pay before XX/XX/XXXX to avoid late fees, and that my account was sent to Collections, well I called right away and I told them what I was told, well they said, I am sorry if our agent made a mistake but we just forgive the payment for 90 days after that I need to pay the entire amount {$6600.00} so they started asking documents to be send to underwriting to either approved a loan modification or a payment plan, well I sent docs after documents but there was always something missing, actually they place a late fee on XXXX, so I had to call to have it removed, any way, my complaint is that instead of relieving my situation due to loss of income, they aggravated my issue since I had to produce {$6600.00} to make my mortgage current withing 30 days, I was begging on the phone not to impact my credit history, they simply did't care, I was treated like a delinquent customer, the disrespected me, Finally, to my surprise, I received a call on XX/XX/XXXX from XXXX ( wellsFargo agent ) to tell me that they went over the tapes, and indeed they found that the agent told me they will deferred my payments and place at the end of the 30 years term, but unfortunately that agent had made a mistake and they could not do anything!!!!! 

That 's misleading customer, the simply lie to me, and I have to figure out myself, well I had to take money out my 401K to pay the entire amount and be in good status in fear they will report it to the credit bureau. 

I really hope this type of behavior does n't pass in-adverted, they are playing with hard working people, and I would seek some kind of indemnification. 
XXXX XXXX WellsFargo Mortgage XXXX XXXX XXXX XXXX XXXX FL XXXX
XXXX XXXX XXXX XXXX, representing Army and Air Force Exchange ( AAFES ) has been receiving payments on a debt via tax return offset since 2014 ; and receiving monthly payments via garnishment from social security benefits ( 10 %, {$110.00} ), and payroll garnishments. However, monthly statements do not reflect any payments from the above mention streams, and do not reflect a reduction in the debt balance. Where are these payments? When contacted, both entities, each stating, verbally and in writing, that no payments have been received. However, I have received notices from the Department of the Treasury that payment interceptions have been made.
I have never attended college. I have a loan that surprised me for {$100000.00} with XXXX. When I call they can not tell me where this loan originated from, which school the money was dispersed to, or which student the money is linked to. 

When I call the XXXX XXXX XXXX XXXX they state that this loan was one loan for {$75000.00}. There is no master promissory note or documentation assigned to this loan. They also can not tell me where the money was dispersed to, which student it is linked to, or where the loan originated from.
Even though I have been medically designated as totally and permanently XXXX and receive SS XXXX as my online income, AES student loan companies will not discharge my loans. My federal loans have been XXXX. 
I am unable to work. My minimum AES monthly bill is more than a third of my SS payment. SS XXXX is my only source of income. If the federal government acknowledges my XXXX then why AES. Also, the constant phone calls only make me feel worse everyday.
Dear Sirs, On XXXX XXXX 2017, I sold a XXXX to XXXX XXXX. XXXX XXXX paid via her business account XXXX XXXX XXXX XXXX XXXX, XXXX. <P/>XXXX XXXX then sent me several harassing e-mails advising she was having problems with the phone and was refunded {$75.00} on XXXX XXXX, 2017. <P/><P/>She sent the following e-mail : From : XXXX To : XXXX Sent : XX/XX/XXXX17 XXXX XXXX, I will return the phone back to you in it 's original packing on tomorrow. <P/>Thank you for the FULL refund. <P/>In the future, you should advertise the phone with pictures of the screen on. You never showed photos of the XXXX screen turned on which made me realized that you probably was not the original owner,, I will send you the tracking information asap! <P/>I waited and contacted XXXX on XXXX XXXX 2017, and they advised XXXX XXXX has stated she is keeping the refund and the phone and that I needed to contact Paypal as this is fraud. <P/>I then filed a criminal fraud report with the XXXX Police Department Case # XXXX, they can be reached at XXXX Police Records. <P/>At this point, I have been contact with Paypal on 5 separate occasions, and they have refused to issue any refund.
Issue with Coinbase Transferred Ethereum based Tokens into my Ethereum Wallet on thier Exchange. They will not provide me the Private Key of my wallet so I may transfer my Tokens out of their wallet.