WillisBack/dataset-financial-user-claim huggingface dataset:
My name is XXXX and my lender is Santander Consumer. I have been contacting Santander regarding my vehicle being stolen back in XXXX. Since the vehicle was stolen I continued making payments. However, my insurance company informed me not to make a payment for XXXX because a check was being issued for payment. The insurance adjustor as well as I has contacted Santander regarding the payment still not being applied to the account. Their representatives are stating the payment has not been received ; however it has been confirmed by XXXX that the package was received and signed for over a week ago. I have been harassed by representatives regarding my XXXX payment. I have received nasty calls on my job, left threatening voicemails, and I have been verbally mistreated by supervisors, the insurance department and customer service representatives at this company. I sincerely feel that this is a form of retaliation because I filed a complaint with the BBB. As of today the payment still has not posted to my account.
On XX/XX/2018 I received a voicemail from XXXX XXXX saying he is calling from law firm of Weltman , Weinberg & Reis Co., LPA & that there is a pending lawsuit waiting. I called back to discuss what the lawsuit is about. He told me that my previous company sent my account to them to get the remaining balance on my pre-employment bonus. He told me to work out a payment otherwise theyll be going to court to get a judgement & garnish my wages & that payment would be bigger if approved by court. I discussed a payment plan with him. He said he would get back to me. He called me back on Monday XX/XX/2018 & left a voicemail about the payment plan. I was working that day & could not get back to him. I also received a letter in the mail from them dated XX/XX/2018 from attorney XXXX XXXX XXXX saying Ive 14 days from the date of the letter to respond. When I got to my apartment I did some research & found several complaints about this company & a lawsuit about falysfying information so I wanted to contact my previous company to make sure this is a legit company & theyre also dealing with them. I left a voicemail with my previous company on Tuesday & did not hear back from them. I called my previous company back again on Wednesday & was able to talk to person in charge of accounts & she told me that theyre dealing with this company & I should further talk with them to resolve the issue. Today on XX/XX/2018 XXXX XXXX called & I was unavailable & could not answer my phone. On the voicemail he was threatening to call my current employer. I called him back later on that day & told him why I hadnt called back & to stop threatening me.
American Express has repeatedly called at least two of my relatives or associates without my consent. 

These tactics began aoproxinately XX/XX/XXXX and continue through today, XX/XX/XXXX. 

I lodged a complaint on the American website approx. XX/XX/XXXX, directing them to stop the communications to others, searching for me. I noted that I was not sure if the calls came from Amex or an impostor. Calls continued after XX/XX/XXXX, clearly stated by the caller, XXXX, from Amex,  from XXXX, and also from XXXX. 

I spoke verbally with XXXX on XX/XX/XXXX, directing him to end the communications to others in search of me. XXXX was hostile, continuing to talk over me as I was telling him to stop the hostile tactics. I stated that a complaint was being lodged against him and his company on this matter. His response that any complaint did not matter.
On XX/XX/XXXX XXXX XXXX ( cardmember services ) took {$93.00} from my account. This was arranged. On XX/XX/XXXX another {$93.00} was taken. I called to have the additional payment reversed and was told to wait until it posted. The company reversed both payments ( should only have reversed one ), plus a {$25.00} fee for each. Now a {$93.00} ( which should not have incurred a late fee ) has swelled to {$230.00} ( plus additional interest on the inflated amounts ) Noticing my account on XX/XX/XXXX, I again called to resolve this matter and was assured it would appear corrected on my new statement. XX/XX/XXXX, more interest fees for XX/XX/XXXX payment without correction. The company is reporting delinquent/late on this account to the 3 reporting agencies which is seriously impacting my credit score
Sometime in XX/XX/XXXX A credit card was acquired in my name using my social security number in which the bill was not paid and sent to collections. I have not accurately checked my credit report until earlier this year and noticed this account. I have went back and forth with this company for months trying to get some type of validation. On XX/XX/XXXX I received a copy of the bill which list and inaccurate address for myself. I called portfolio recovery and offered to give them a copy of my lease from my apartment complex or a copy of my bills from XX/XX/XXXXto prove this is in fact identity theft and what city and state I lived in. They would not accept it and the representative XXXX told me that it is my debt and I had to pay it or they would sue me. This company is unprofessional and use aggressive tactics to try and get you to pay a debt that they can not even prove to be yours. I have proof that is it not my debt and I have never lived in XXXX, IL.
This is in reference to an old Chase account that was closed in XX/XX/XXXX due to fraudulent activity on the account. Till date, I have not received refund of my account balance after account closure. The balance was closed to around {$6000.00} and some transactions were under dispute. 

I've exhausted all avenues to get this resolved. till date I have not heard anyting from Chase regarding the resolution of my account dispute. The balance on my account close to {$6000.00} just vanished and account closed. 

Account # XXXX Opened : XX/XX/XXXX Closed : XX/XX/XXXX Attachment : letter to chase
applied for refi in XXXX XXXX, with the original holder of my mortgage loan which was opened in XXXX, i submitted all requested verification on XXXX/XXXX/XXXX. on XXXX/XXXX/XXXX i was informed items submitted to underwriter and turnaround time is 7 to 10 business days and i will be recieve a status update within 5 days. however, since this notice i have been inudated with emails for the following ; 1.on XXXX/XXXX/XXXX request letter of explaination for addresses on my credit report for XXXX and XXXX, which i have n't resided at since the XXXX, a business that was registered at this addressthat is not associated with a apt . number or the apt . i lived in, explain a business that a relative used at my current address for the purpose of receiving packages securely, 2. expalin why i have a balance of {$9000.00} on equity if it was included in bankruptcy, although the debt was n't reaffirmed, 3. XXXX/XXXX/XXXX, signature not in cursive in email, resign, 4.XXXX, letter of explaination for a business credit card, 5. XXXX/XXXX/XXXX, recieved email that final info.needed was from my hr/payrollthat the asst.could n't obtain, for them to explain my les codes for temporary modified duty in amount of {$XXXX} ( which is noted as the ytd ), expalin ytd of {$XXXX}, because it does n't add up to my biwkly or monthly pay, however this amount clearly states it is my net ytd earnings as of the payperiod.however, upon receipt of my email, that employer uses the work number, there response was they verified income, but work number does n't give a breakdown of leave codes etc.so i took it upon myself to write a statement to try an expediate the closing etc. to no avail., 6. XXXX/XXXX/XXXX, letter of explaination and proof of the income received needed based on my XXXX ytd being low from XXXX/XXXX/XXXX thru XXXX/XXXX/XXXX, because i was paid by workman 's comp. although they have my current check stubs showing my biwkly pay and hourly pay, 7. XXXX/XXXX/XXXX, they are now requesting a XXXX for XXXX i received in XXXX, although XXXX does n't issue a XXXX, because it is not taxable. i am at wits end, and request that an investigation can be done into this, i have been on the same job for over 20yrs, my initial loan is established with citi and i am fully familiar with the refi process to know this is not being handled correctly. i have tried to contact upper management but have yet to receive a response, i initiate a complaint with citi at there executive repsonse unit yesterday and have contacted fannie mae yesterday and waiting on a call back as of this date. any assistance in the expediating of this matter would be highly appreciated.
There is a company listed on my credit file named Portfolio which I have never done business with, I have disputed this item and received a statement from XXXX XXXX in the mail which I did not have a prior account that went bad with XXXX XXXX and feel this is not verification and if it is, it is false information as again I never had a prior account with XXXX XXXX that I failed to pay. It is also listed It opened in XX/XX/2016 which is not true and accurate information. Needing help as again this is false information
I went to get e loan for school from my bank end I was not approved. I got a copy of my credit report finally and there are things on there that are not mine. I was advised XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. Please remove these accounts from my credit.
I opened a savings account with {$500.00} and they are only paying me 1/10 of 1 %. How can I save any money? Why do they call it a savings account?
I contacted American Express Blue Bird on XX/XX/2018 about XXXX charges for products that I purchased, but never received on the expected delivery date because the company closed. I contacted American Express Blue Bird as soon as I received an email from the company ( XXXX XXXX ). I explained to the dispute resolution specialist that I had purchased these XXXX products with an intended delivery date and that before that date I received an email from XXXX XXXX   stating that effective immediately that were closing there business. That XXXX XXXX 's phone number was disconnected. I also tried emailing them, but never received a response. I provided the information requested by Blue Bird as soon as I received an email from them. It has been over 2 weeks and I can not seem to get any information form American Express Blue Bird now. It's beginning to look like I'm getting messed over twice.
Penn Credit is trying to obtain money from me that I do not owe them. I called XXXX XXXX XXXX ( Original Creditor ) to get information on the account and they have no documentation or any paperwork that they can send me that can prove that I did not open this account. I explained to XXXX XXXX that this is fraud and I would like to fix the matter. XXXX XXXX told me that they could not do anything about it anymore. I have disputed this account with the credit reporting agencies XXXX, XXXX & XXXX and explained that this was Identity theft and the company does not have any documentation or any paperwork that would show that I did not sign up for utilities and that my signature would not be located on any of these documents. The dispute did not remove the items and they are still on my credit report pulling my score down. I contacted Penn Credit and the Customer Service Representative was not helpful either. All they have is a document showing that my name owes XXXX XXXX money but this is completely unacceptable. Someone used my information to open this account and I would like this item removed from my credit reports. It does not seem logical that there is n't an identity verification process that would verify the identity before issuing a line of credit ( Post pay Utility Credit ) to someone. This Debt does not belong to me and is Fraud and I would like to know what needs to be done to fix this issue so that my credit Report will be accurate.
Companies closed my bonus checking accounts from XXXX XXXX XXXX  and Saving Account. XXXX XXXX XXXX, Checking and Saving Account, XXXX XXXX XXXX, Saving and Checking Account. XXXX XXXX, Saving and Checking Account. XXXX XXXX 401k Plan ARI Accounts. I haven Internet Online Business Service For Products on XXXX and this is what happen.
I have defaulted with a private student loan a couple of years ago. Now a collection agency/ '' lawyer? '' has been contacting not only me but also my mother as well as my boss several times a day leaving extremely rude messages and trying to get personal information from my job. On top of this they have tacked on interest of {$8300.00} and a collection cost of $  XXXX  The school I attended was the  XXXX   XXXX  of California in  XXXX   XXXX
My identity and a mortgage scam have caused my house to be to foreclosed and possible eviction looms over me. From XXXX till XXXX XXXX I have been a victim of a predatory loan and {$52000.00} dollars to be paid to my bank HSBC and XXXX was stolen in a mortgage scam by people who said they were attorneys for the XXXX program. My original loan in XXXX I put {$6000.00} in escrow for my septic title XXXX is gone the bank, the attorney for bank do not know where it is ... ..its just disappeared but no work ever done! At closing no inspection was done and house has serious issues. XXXX informed me my personal information has been compromised I am a XXXX year employee of XXXX. I have filed paperwork with the XXXX of both XXXX XXXX and XXXX, the XXXX police and federal trade commission and XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I have receipts from all XXXX deposits I made to XXXX Mergers for payments for my mortgage to XXXX. Also wire trannsfers to XXXX bank XXXX .my wife is also XXXX retired postal worker. If there is anything you need. Please feel free to contact me at XXXX name is XXXX XXXX XXXX Also they hacked into my email and I was forced to change my email but it is XXXXXXXXXXXX thank you sincerely for any help you can provide and from XXXX XXXX till XXXX XXXX I did try to get a loan modification and assistance from HSBC and XXXX to right the ship but my house was upside down ... ... I tried everything to keep my house but due to the the identity theft my life has been turned upside down ... .i need your help, guidance and assistance thank you
On XXXX XXXX ( before XXXX ), I went to a US Bank Branch to deposit my severance check and was told it may take a bit longer to have the funds available to me because of the size of the check. I pretty much ignored that because I know that the size of the check does n't matter. Once the funds are cleared from the issuing bank I should receive my funds. Unbeknown to me, the Manager on duty had placed a hold on my account where I would n't receive my funds when they cleared but almost 12 days later. All he asked me was if this was a Loan check since it was from a Mortgage company. I said no, that it was my severance check and I had n't been paid for two months and needed the money. He did note that the account was an employee account ( XXXX ). He did n't look at our account history of XXXX years of impeccable performance or do any research that would show large transactions from time to time were normal. 
Three days after the deposit, I spoke with a former coworker who received his check at the same time and his funds were available to him. I continued to check my account to determine if the funds were available and they were n't. We were forced to take an advance on our reserve line so the checks we had written and would n't clear before XXXX XXXX ( plenty of time to allow the check to clear ). 
Finally I called the Customer Service department to learn that US Bank did indeed have the funds from my former employer but would n't give them to me because the Bank employee placed a hold on the funds. He did NOT provide any type of rationale for doing this nor could any other person determine why he would do that given our credit and history with the Bank? Basically, this allowed US Bank to steal from me since the money was in their possession, they were earning interest on it not me. My belief was he thought it would be 'fun ' for him to watch us suffer further pain and embarrassment since I 'd lost my job and needed the money to cover bills. 
This is totally unacceptable discretion for a person to have this authority and not have to justify why they would place a hold on someone else 's money!!
I 'm impacted by the recent Equifax breach. My information is available to whomever obtained this data. They knew about this issue for 3 months and barely made people aware of this. This is not acceptable.
On XXXX XXXX, XXXX a payment of {$2300.00} from an insurance cancellation was applied to my account. I printed out a copy of my account summary that showed my next billing date was XXXX/XXXX/XXXX for the amount of {$160.00}. On XXXX/XXXX/XXXX, I made a payment so my next due date would be XXXX/XXXX/XXXX. My account summary continued to reflect a XXXX/XXXX/XXXX due date up until today, XXXX/XXXX/XXXX. And the system change the due date on XXXX XXXX one day before XXXX/XXXX/XXXX showing I have a payment due on XXXX/XXXX/XXXX for {$340.00}. I contacted customer service and the representative was n't able to help. She only offered an extension to the due date. I did n't need an extension. Had the system not showed my next payment was n't due until XXXX/XXXX/XXXX, I would have continued to make the payments on time like I have done for the past 2 years.
I have actually had this company call me repetitively and harass me the company 's name is XXXX they are A auto financing company which I unfortunately have to do business with this company is the worst company that I 've ever seen their reviews on XXXX and XXXX are horrible and I understand why I have been harassed and called countless times in a row by these people I 've also had XXXX of their supervisors call me from her actual cell phone not stating who she was They 've also send me mail stating that my account has added fees now because of not having insurance on my car which is false because my car has been insured since the beginning of the loan and full coverage like any financing company would ask for
Citizens Bank is overcharging its customer with overdrafts fees. Every time you transfer funds from your overdraft line of credit to your checking account to cover a draft, you must pay {$12.00} per transfer per occurrence, 18 % annual interest rate on outstanding balances and {$30.00} annual fee.
On XX/XX/2017 I sent a wire transfer of {$3000.00} to Coinbase using the information that they gave me from their website. The next day I received an email stating that they would have to return the funds because the names on my bank account and coinbase account didn't match. I figured out why they didn't match and i was fine with that. In the email that they sent they stated that it could take 7 days for a reversal to take place. On the website it stated that It could take 7-10 buisness days for the reversal to take place. It has been 60 days and I haven't received my funds as of yet. I've talked to different representatives at Coinbase and I always get the same response, we've escalated your claim to a higher tier.
CREDIT CONTROL CORP is reporting on my credit report. IT SHOWS A ZERO BALANCE BUT THE DEBT SHOULD NOT BE REPORTING ON MY " XXXX CREDIT REPORT
XXXX account XXXX ... last four of social security XXXX, D.O.B. XX/XX/XXXX - XXXX XXXX. <P/>On XX/XX/XXXX XXXX reported a balance of {$12000.00} to XXXX. To Experian they reported a balance of {$15000.00} for the month of XX/XX/XXXX. On XX/XX/XXXX I recieved a settlement offer that states the balance as {$16000.00}. To XXXX they reported the account as opened with a balance. To Experian they reported the account as closed with a balance. To XXXX it was reported closed with {$0.00} balance/paid in full. <P/>Also, the payment history was different on all three credit reports and XXXX and Experian allowed, and continue to allow XXXX XXXX to make corrections, that still end up being wrong information, and making my credit score go down every time they change the information/ update it as opposed to deleting the account per fair credit reporting laws. <P/>My credit score went down again in XX/XX/XXXX because XXXX and Experian continue to allow XXXX, XXXX to update, as opposed to DELETE as I have requested. This information on my credit file should have been deleted months ago due to fair credit reporting laws regarding reporting erroneous/inaccurate information regarding balance, account status, and incomplete/inaccurate payment history that has been reporting for almost a year now on my report. No matter what proof I send to the credit reporting agencies regarding XXXX 's erroneous information, the three credit reporting agencies refuse to delete the account and that is not right or fair. <P/>I have disputed, with proof of the mis-information XXXX has been reporting to all three credit bureaus. XXXX now has it as a closed, but per fair reporting it should be deleted from all three credit reporting bureaus. <P/>XXXX, when you provide information to a CRA, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate. You have " reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. FCRA Section 623 ( a ) ( 1 ) ( A ) you can not, under any circumstances, report information the consumer has told you is inaccurate if it is, in fact, inaccurate. FCRA Section 623 ( a ) ( 1 ) ( C ).
received letter from AFNI saying i owed monies on potential litigation. i was not in an accident on date of lose XXXX, i have never heard of this litigation, this seems to be total fraud. they give the insured name as XXXX XXXX XXXX never ever heard that name.
There are XXXX accounts un the XXXX XXXX. of XXXX that are showing closed/derogatory. These accounts have long since been satisfied.
There are two attempts to get a XXXX charge card on my credit report. Clearly someone is trying to use my information that has no idea who I am. You can see that they applied totally spelling my last name wrong both times but the same each time. I dont even know how stupid someone would have to be to NOT detect that this is fraud.
Opened new credit card for my son, XXXX/XXXX/XXXX, Equifax credit score provided at account opening was XXXX. I made NO CHANGES nor requested ANY changes regarding my existing credit card that had my son as authorized user on. Unknown to me and without my consent, the XXXX account representative, converted my historical " paper statement '' from account opening over to " e-bill '' statement resulting in me not receiving any bills. The fact that I did n't get any statements, again not knowing any changes had been made, resulted in the bill being late. Once a delinquency notice was received the money was immediately transferred over that day as ample funds ( large deposit balance ) was in the XXXX Checking account, therefore zero reason not to pay other than XXXX illegally, unfairly, and deceptively changed my periodic billing statement over to e-bill without authorization resulting in my receiving no bills. XXXX did refund the late payments assessed but that was the minor fix, they have ruined my son 's credit score and drastically impacted my nearly perfect credit score.