WillisBack/dataset-financial-user-claim huggingface dataset:
I been trying to open a bank account about 2 years now and Im having a really hard time getting an account. In XX/XX/2016 I received a fake check in the mail from who I thought was my new roommate. I went on XXXX XXXX looking for a roommate and she sent me a fake check. She said she live in XXXX and she moving to XXXX. for her job. She sent a {$5000.00} check and said for me to take out her part for the rent and give the other half to her movers. every since then I been having an hard time getting a bank account. I tried to file a police report and the detective said it wasnt no point to file a report because it may not been the real person or her real name. We emails, talk over the phone and she sent me a friend request on XXXX and she sent pics. I still have emails from her with the date on it to prove it.
Homeowner has been working a short sale and attorney for home owner has been in constant contact with lender. Attorney was advised that we are in a value dispute. Attorney was never advised of a scheduled sale date. There was apparently a sale date scheduled for X/XX/2017. Lender clearly dual tracked this file. Lender at no time advised attorney for borrower as to sale date despite constant contact with lender and contact less than 24 hours prior to the scheduled sale date.
Credit Bureaus told me that XXXX XXXX have verified that the current status is correct. However this is not the case. Simply providing me with a computer generated document is no enough proof that I was late. I request for a copy of my payments with XXXX XXXX to verify what they is indeed correct but they did not provide it. CFPB please reverse the late payments on XXXX XXXX XXXX  XXXX
On XXXX/XXXX/XXXX {$4900.00} was removed from my USAA checking account without authorization. Someone called USAA on the phone & convinced them to send a cashier check to a person & place that I have never heard of. I have all of the specific info regarding who the check was made out to & the address the check was sent to. 

I & the others on this account spent much of XXXX/XXXX/XXXX on the phone with the bank that sent the check. They said they would try to get the money back but it is probably gone. There were also a couple other fees charged to us at the same time, for the unstoppable check & expedited mailing. 

I filed a police report. The money is still gone.
TransUnion credit report has 2 names listed. One of them is incorrect. Not me.
I NEVER authorized XXXX XXXX XXXX to pull my credit. I am not sure who but I personally did not. 

I authorized XXXX to pull my report but only 1 time. It was pulled twice. Once on XX/XX/XXXX and again on XX/XX/XXXX.
On XX/XX/2018, I became the victim of a {$100000.00} INTERNATIONAL WIRE TRANSFER SCAM. This money was my ENTIRE life 's savings. The fraudster impersonated XXXX law enforcement ( where I used to go to college ) and told me my SSN had been compromised. In order to be assigned a new SSN, I needed to transfer my funds to a bank in XXXX XXXX, specifically the HSBC in XXXX. HSBC 's address is : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX The recipient 's information is : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I submitted a recall request on XX/XX/XXXX with XXXX XXXX XXXX to no avail. I also found out that there are at least TWO MORE VICTIMS involved in this crime, although their funds were transferred within the U.S., as opposed to internationally. I have alerted : The XXXX Police ( where I live ), the XXXX XXXX XXXX where this took place, HSBC ( formal complaint ), the XXXX XXXX Police, the ic3 ( twice ), the Criminal Investigation Division ( CID ) of the Texas Comptroller of Public Accounts, the FTC and the Texas Attorney General. There is still NO resolution. Every time HSBC responds to XXXX XXXX XXXX, they simply say they are waiting on a response from the beneficiary to get debit authority. My guess is the beneficiary will NEVER respond to HSBC since all their contact details are FAKE. HSBC allowed the fraudster 's account to be opened using false details. The bank was purely negligent in allowing the transfer to take place, as well as failed to conduct sufficient checks. Simply put : HSBC COULD HAVE PREVENTED THIS CRIME FROM BEING COMMITTED.
I went online to the Nationstar Mortgage to pay my monthly bill. Upon entering my login information and sending, I was then asked to enter not only my originating zip code but also my full Social Security Number before proceeding further. This is a terrible affront to online security and should be stopped immediately. There are other ways to verify a user 's information - this is not proper.
I have been in a hardship program with Navient since 2012. I have been making payments without fail every month for almost 5 years. Despite this, it was reported to the credit reports that I am in default and because of this I am unable to get a mortgage. Additionally, I was XXXX last year, and when I called Navient to see about postponing my payments, as I would be on short term XXXX for the duration of my leave, I was told it was impossible. I had to choose between paying Navient or paying my electric bill. It is unfathomable that people who reached the goal of a degree but can not make ends meet. I hope that something can be done for people who are struggling to pay back loans and have a family.
I went to XXXX on XX/XX/XXXX, to purchase a washer and dryer and was presented by the sales representative that I could lease it instead of paying the entire amount all at once. I was approved for a little over {$1800.00}, once I received my lease agreement I still assumed that my lease was no more than {$1100.00}. Once I reached my 5th payment I thought that my bill total will be completed taken the washer and dryer was only {$1300.00}. I contacted the customer service number and the guy was saying once I reached my 5th payment I could buy out the purchase or continue to lease it. So I asked how much is owed he went on to transfer me to someone who would be able to assist. After being transferred to numerous people, the line was disconnected. The next morning ( XX/XX/XXXX ), I sent an email requesting a payoff amount with no response, a couple days later I sent another email requesting a payoff amount as well as stating that after adding up the total amount of payments made through XX/XX/XXXX, my total purchase would be {$4000.00}. That was looking at the payment schedule that was posted on my account. 
I think this company is very misleading. I filed for bankruptcy and as my attorney was reviewing the lease agreement, he couldn't make out the terms saying the contract makes no sense at all.
We are currently potential buyers in a short sale with a seller-accepted offer waiting for XXXX approval. We began shopping mortgages in XXXX ( XXXX, XXXX XXXX, XXXX, & Quicken Loans ). Of those, only Quicken Loans has been calling our home several times each week with highly aggressive tactics, pushing us forward in the loan process without yet having a completed contract. I was assured on the phone that there was no cost or obligation as we moved forward. We made a {$500.00} good-faith deposit with Quicken Loans, and we were told it was refundable of the mortgage was not completed. QL went ahead and ordered an appraisal on the home -- again, without a contract. We have now been told that cost of the appraisal and credit report will only be refunded if the XXXX bank does not complete the contract, but if we choose to go with a different lender, we lose that money. When I raised an objection with XXXX XXXX, saying that there must be phone recordings, he ordered an internal investigation, returning, " My Client Relations team reviewed the calls and confirmed that the proper expectations were set regarding the deposit. '' I replied requesting access to the phone records, and then received a call from XXXX XXXX " from the Executive Office at Quicken Loans. '' She refused to share the phone records. ( She did n't quite seem to understand that a secret internal investigation inherently has no integrity ; she kept assuring me of *her* integrity. ) I want to be able to review the phone records of my conversations with XXXX XXXX and XXXX XXXX in order to say definitely whether or not I was lied to on the phone, misled by missing information, or if I was careless. 


XXXX XXXX | Senior Purchase BankerDirect : ( XXXX ) XXXX | Toll Free : ( XXXX ) XXXX XXXX : ( XXXX ) XXXX | Fax : ( XXXX ) XXXX | NMLS # XXXXXXXXXXXX XXXX XXXX | Senior Purchase SpecialistDirect : ( XXXX ) XXXX | Toll Free : ( XXXX ) XXXX XXXX : | Fax : ( XXXX ) XXXXXXXXXXXX XXXX ( " from the executive office '' ) XXXX XXXX XXXX
On XX/XX/18 and one time before that I requested from Discover how they recalculate variable rate loans. Instead of just increasing the payment amount, they extended the loan term. This only benefits the lender not the borrower unless the borrower requests a lower payment. I have once again requested from Discover, my original loan documents to see what the agreement for recalculating variable rate loans was that I signed and also how they recalculate loan payments.
The Money Source was informed by the XXXX County Assessors Office in XX/XX/XXXX that my taxes were reduced and no taxes were to be collected in XX/XX/XXXX. I called the company in XX/XX/XXXX and requested my overage in my escrow account be refunded and payments be reduced accordingly. The company stated the funds could not be returned until an escrow analysis could be completed which may take an additional three months or more and payments will not be reduced until that time. The Money Source is collecting more funds than required to fund the escrow account and not providing any interest on the amounts in excess of funds needed and have not reduced the monthly payment accordingly. The company is in possession of an overage of funds which should be returned to me promptly and not be able to take my funds and return them when its convenient for them. If the company decides to hold the funds they should pay me interest, since they are over billing me and refusing to refund the overage in a timely manner.
There is no record on my credit report that I have been making mortgage payments to XXXX XXXX for the past four years. The last payment listed in my credit report is XX/XX/XXXX. In fact, my payments are up to date as of XXXX, XXXX. Additionally, I should add that my mortgage payments were not affected by my XX/XX/XXXX bankruptcy agreement.
I need to explain to a person, the claim that I going to make, against specialized loan services, my second mortgage on my house, the way that they are treating me, and, I believe that they are doing to other people attached or dealing with this company.they already reported me to the credit bureau,3 times with no reason, and, when I spoke with a Manager, he told me that, it was my fault.
Applied for credit from XXXX and was denied. They said they could not tell us why. We were notivied later from XXXX XXXX it was because of a previous denial from them. I do not recall any denial so I sent a letter to them asking about the previous denial and what was the reason for that denial if any. After 30 days no response. 
We have never been denied credit before as our credit scores are well above XXXX.
I own a property located at XXXX XXXX XXXX XXXX, XXXX, XXXX. The loan is serviced by Select Portfolio Servicing , Inc. ( SPS ) XXXX of XXXX. I have had XXXX claims on this property in which the insurance company sent at least XXXX checks to SPS for the repairs and SPS has misappropriated the funds. Despite all repairs being complete ; and despite independent verification by SPS 's inspector and the Insurance claims adjuster that all repairs have been satisfactorily completed, SPS has failed to pay the contractor and reimburse the expenses that I paid out of pocket. SPS is engaging in a criminal act by misappropriating construction funds in violation of XXXX Law as well as engaging in insurance fraud. SPS should not be allowed to hold a mortgage lender license.
Using my XXXX credit card number to make XXXX and XXXX distributing purchases of computer equipment. 
Also, attempting to open credit applications with XXXX XXXX and Bank of America using my credit security information.
My Bank ( HSBC ) constantly shuts off my credit card without any notice, after making a " large '' payment. Large to them is around {$200.00}, which is not large to me. I make payments in this amount often, and to the same vendors. I understand if it has to do with Fraud Protection, but it doesnt. Usually when there is a case of Fraud on my card where a large purchase ( always more than {$500.00} ) is made to a strange vendor, HSBC calls me and notifies me as they have placed a hold on my card. But in this incident, they have turned off my card without any notice and it was unpleasantly declined. I do not appreciate HSBC turning off my card or funds WITHOUT notifying me. It is wrong and inconvenient. Especially when it is an amount that i always pay to the same vendor.
I have contacted XXXX, XXXX and Equifax about a collection Debt for XXXX XXXX XXXX XXXX it shows the debt opened XX/XX/2016 with XXXX. The Creditor has referred me back to XXXX for any documentation. The collection does not belong to me. The original creditor has not been able to assist me I have submitted two disputes and the only reply I receive from the credit bureau is that it is validated.
Enhanced Recovery Corp h as Re-aged original  XXXX  debt that is noti  e to  begin with.  XXXX  resold account after failure to verify account.
I have successfully disputed with XXXX, but Equifax will not allow my dispute on their website. This judgement was entered incorrectly and erroneously by the creditor 's attorney and should not be on my credit report.
On XX/XX/2018 I opened and account with BBVA compass bank because I received an offer and I used to have this bank in the past in PR wihtout any problems. 
Apparently this bank dont have people receving email and responding on time. Everyone speaks XXXX and they always are appologizing fo rthe delay of responsees for weeks to months. 

I had a payday loan coming over to be paid and since the first time this bank incurred me on overdraft that today are over {$520.00} and they do not want to refund the money. this bank is playing with all electronic debts of the clients charging you {$38.00} in advance of the electronic transaction not once they do it twice without the client I am paying noticing and they have not telling them. They are arranging the system to overdraft you in advance of the transation. I have had several transactions and having the money, they only overdraft me, after that overdraft, the transactions entrer and then I incurr in more than one overdraft for them and also for the companies and as well they also make you a second overdraft. 

There was a transaction coming over for XXXX to verify the account and I had money on the account and the overdrafted me for several cents I had to argue on the phone for them to reverse me my money which was twice and after that since then, everytime there is an electronic transaction they overdraft you in advance making you to get in more overdrafts when your money is already there. BEsides that I incurred in over fee payments with the payday agency due to their overdraft. 

I am only receving unemployment benefits and this bank is getting all my money. I moved to Florida and they do not have any branch in my zip code or near it ( XXXX ) it is imposible to make a deposit online either and I used to have the option but they were taking almost a month to make the deposit availble and continuing with the overdrafts. Today I am in need of making a deposit and they do not have my option availble so i could not make any mobile deposit. I also tried to registered several times for the supposed BBVA Compass rewards points which I have not had the benefit and I can not  becuase I do not have the option either so I do not get back or I do not participate in rewards everytime I use the card for gas, nothing is availble, they do not want to reverse the charges and they tomorrow I have another transaction which I was counting on becuase the moeny was there and they overdrafted the account again. Supposedly I have the overdraft protection which they dont even pay the amount. I have been trying for months to resolve the issues with them and nothing. The emails I receive from them is to contact them on the phone and when I call is never the right department and they continue transfering the call. There has been a lot of emails to them form my part and they do not respond on time and only appologize for late response, do not help with anything.
I properly disputed invalid data at least four times and Equifax continues to reinsert this invalid data after deleting without notice. 

After this, I disputed directly with Equifax the FCRA 611 ( a ) ( 5 ) ( B ) reinsertion with no notification violation and the FCRA 611 ( a ) ( 5 ) ( C ) their inability to maintain reasonable procedures designed to prevent the reappearance violation. Equifax responded ( XXXX ) the address was not reporting. 

I 've subsequently disputed this invalid data 6 times. Equifax continues to reinsert it with willful intent despite my attempts to have it excluded. It continues to appear in my consumer file.
Almost a week ago I started shopping for house. I did some reasearch online and found a house. Quicken loan was the only company that had my SSN and they pulled out my credit. I was done and I said I no longer want to move forward. After two days I saw another inquiry from Credstar/Credco on mu credit account I did not filled any application with them. I think they sold my identity, or something because I have no idea where the credstar/credco came from
In 2014, I went to XXXX in order to buy a mobile home. I paid them in good faith a deposit of {$3.00}. They promised me that my monthly payment would be {$830.00} and would not rise. A few days of being there I got an increase in the payment. An later, I got another increases in the payment. With this second increases my budget was not enough to pay. So, I decided to leave because I could not afford the new payment. I preferred to lose the {$3500.00} that had given of deposit. To my surprise I am seeing that they put a judgment against me on XXXX XXXX. Please see my credit report ( attachment ). I should put a judgment against them for {$3500.00} I lost. Please investigate this company because I 'm not the only one who has had this kind of issues by this entity. Additionally, I need help in order to remove the trial they put against me.
I requested Experian remove and update my only address where i live and receive U.S. mail and delete all other addresses whereby they are not deliverable as per the FCRA and they refuse to do so.

I requested they delete all telephone numbers associated with my credit file profile and i provided my correct date of birth and correct employer, my only name used and my only social security number and i provided a copy of my drivers license, utility bill and social security card.

I have sent more then 10 different letters the same requesting this action and always providing true and correct information.
There are 3 credit collection companies reporting duplicate credit accounts on my credit report. I have challenged several of the accounts and they are initially removed, and then placed back on my report sometimes several more times. The three companies involved are Gold Key Credit, INC, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX. 

The first account is owned by Gold Key for a balance of {$700.00}. This account appears on my XXXX  report four separate times. The dates the accounts were opened are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This company is fraudulently reporting the same account multiple times for a total of FOUR delinquent accounts for one debt. 

The next account is owned by Gold Key for a total of {$480.00}. This account appears on my XXXX  account twice with opening dates XX/XX/XXXX, and XX/XX/XXXX. This same account also appears on my XXXX   report 3 separate times with opening dates XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.  This company is fraudulently reporting the same account multiple times for a total of TWO and THREE delinquent accounts for one debt. 

The next account is owned by XXXX XXXX for a total of {$660.00}. This account is reported on my XXXX report FOUR times with opening dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This account also appears on my XXXX report FOUR times, with the same dates. This company is fraudulently reporting the same account multiple times for a total of FOUR delinquent accounts for one debt. 

The next account is owned by XXXX XXXX for a total of {$440.00}. This account appears TWO separate times on my XXXX   report. The opening dates on this account are XX/XX/XXXX and XX/XX/XXXX. This same account is reported on my XXXX report TWO MORE TIMES by XXXX XXXX XXXX XXXX XXXX with opening dates of XX/XX/XXXX and XX/XX/XXXX. This account appears to have been initially owned by XXXX XXXX XXXX and was sold to XXXX XXXX however both companies are continuing to report the account and both companies are reporting the same account twice for a total of FOUR delinquent accounts reported for one debt. 

The next account is owned by Gold Key for {$400.00}. This account appears on my XXXX report THREE separate times. The opening dates on this account are listed as XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This company is fraudulently reporting the same account multiple times for a total of THREE delinquent accounts for one debt. 

And the final account is for a total of {$240.00}. This account appears on my XXXX account under XXXX XXXX TWICE with the dates of XX/XX/XXXX and XX/XX/XXXX. This same account appears a third time on my XXXX report listed as Gold Key for the same total with an opening date of XX/XX/XXXX. These are all three clearly the same account. These companies are fraudulently reporting the same account multiple times for a total of THREE delinquent accounts for one debt. 

I've attempted to challenge these accounts, but as I stated, when I challenge the account they just add it on to my credit report for a third, fourth, or fifth time.
XX/XX/ 2018, there was a 90 day+ missed payment placed on my credit report. I was in forbearance at that time do payments were temporarily postponed. The company refuses to fix their issue.
I have a savings account with CITI bank ( XXXX, Florida ) among other accounts with the same bank. 
While longing in my online banking I was offered a promotion saying if I keep certain amount of money in my savings account for 3 months I get {$50.00}. I did it. Never received the reward. I contacted the bank, they told me if I didnt have the " promotion code, they were not able to locate the promotion. They told me not to worry, that they will use a new code, and to wait another three months to get the reward ( in other words, to do all over again ). I did it. No reward. I contacted the bank. Same response. Asked to check on their records, they should have my first complaint. No response. They asked me to do it all over again. Did it. No reward. 
My complaint is the Citibank is misleading and false advertising to incentivize me to keep certain amount of money ( XXXX ) on my savings account, so they can used as their want, but never give the reward. 
I would like to get {$15000.00} as I have had that amount of money for more than a year. If that is not the case, I just would like to let you know what they are doing. 
Thank you very much. 
XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, FL, XXXX Cell XXXX XXXX XXXX
For the last 1 1/2 years no bank or credit union can pull my Equifax report, generally, when I call or attempt to dispute anything on my report it contains my wife 's name and or the creditors who try to pull it simply find a missing/blank report. 

Have been calling several times per week trying to resolve this, they claim nothing is wrong which I disagree as it 's impossible for every bank/creditor in the country to have the same issue.