WillisBack/dataset-financial-user-claim huggingface dataset:
Several fraudulent checks ranging from {$600.00} to to {$800.00} dollars over several weeks were cashed out of state and taken from my business account. Huntington admits that the checks were fraudulent and forged.These check numbers were way out of sequence. Also, did n't even resemble the checks we have used for several years. 
Check # XXXX XX/XX/XXXX{$600.00} # XXXX XX/XX/XXXX {$750.00} # XXXX XX/XX/XXXX {$710.00} However ; declined to reimburse these monies due to not utilizing a security feature that they can supply. But yet knew nothing about. I feel Huntington failed to protect my money.
I SPOKE TO A REPRESNATIVE NAMES ONLY XXXX AND TOLD HIM I HAD A SIGNIFICANT CHANGE IN CIRCUMSTANCE AND WANTED TO RETAIN MY HOME NOTHING ELSE, HE STATED HE WOULD KEEP IN CLOSE CONTACT WHICH HE NEVER DID AND REQUESTED NO UPDARTED FINANCILAS WHICH I THOUGHT PECULIAR BECAUSE WHAT HE MAY BE WORKING OFF OF WAS OUTDATED AND DID NOT PORTRAY THE ACCURATE PLETHURA.I RECEIVED A LETTER RECENTLY THAT REALLY GAVE NO TIME TO RESPOND BUT I HAD TO MAKE THE TIME.IT IS REALLY A FLAW TO NOT PROVIDE ADEQUATE TIME TO RESPOND, I AM A STATE WORKER RECENTLY RETIRED AND GOING THROUGH A DIVORCE, THER EIS NO OTHER PLACE TO GO, WORKING OVER 30 YEARS TOI BECOME HOMELESS.O WANT TO REMAIN IN MY HOME AND HAVE GARAUNEED INCOME.PEOPLE HAVE BEEN MODIFIED FOR LESS OF A HARDSHIP FROM WHAT I READ AND SEEMTHE LETTER FROM SLA WASNOT EVEN WHAT WE SPOKE ABOUT, I FEEL DUE DILIGENCE WAS NOT DONE ON MY CASE.HELP!!
Credit bureau is not properly verifying my disputes. Violation of HIPAA to sell my information to a collection agency without my knowledge I want all inquiries not properly verified by me removed now
Approximately 4 months ago an XXXX XXXX  issued by XXXX XXXX that I have been using for approximately 10 years successfully had changed something in their system where their payment button on the front page of PayPal not only has quit working but displays a statement as follows- Were sorry we apologize our system is having difficulty retrieving your information, please try again later. This is what comes up on the my PayPal page under make a payment under XXXX XXXX. This IS the same button I have been using to make my payments for nigh on to 10 years. # 2, I was told today, NOT when I finally found a way to contact Synchrony & made my last 2 payments here in XX/XX/XXXX that my account had been closed. 
# 3. When I first called XXXX XXXX tonight, I  was prompted to input my social security number and was told I had a XXXX balance and was also told I had zero payment.

due.

# 4. When making my way to the operator of XXXX XXXX, I was finally told that they had closed my  account and I did have a payment due & also a past due payment, this is after making {$150.00} worth of payments this month-XXXX  2018. 
# 5. I was also told that I better not miss a payment because they will add on {$38.00} dollars to my closed account plus {$28.00} interest. 
ANYHOW, i certainly believe that these things constitute deceptive practices.
OnXX/XX/XXXX I received 3 letters which stated O owed money. On XX/XX/XXXX I sent letter asking for verification of debts and to only be contacted by mail. I continue to get continuous calls at home as well as on my cell phone. The company failed to provide verification. OnXX/XX/XXXX i received 3 letters which state the company was thinking of forwarding my accounts to an attorney for possible litigation. 2 months prior I had a phone conversation with the company and they threatened with the same action. I sent a letter in return and attached a copy of my previous letter from XX/XX/XXXX. OnXX/XX/XXXX I received 3 more letters stating they reviewed information and found their records were correct and again I sent letter in return. While typing that letter todayXX/XX/XXXX I again received a call from them on my cell phone. Unverified information is still being reported on my credit reports.
I applied for a loan XXXX 2014 for car repairs. I was granted a {$500.00} short term loan because my credit score was too low to receive a regular loan. When I explain that I wo n't be able to pay the loan in full the following pay period, they told me I can pay installments of {$82.00} to get the balance down. I have been paying on this loan every month only late XXXX time and my balance is {$570.00} from the beginning balance of {$670.00}. When I questioned the manager about the balance she stated that I would have to pay more than what is required in order to lower it. That was never explained when the loan was processed. This company is only applying my payments to the reoccurring finance charges instead of the loan it self. I will never finish paying for this account like that. I asked if I could be place on a better loan with my payments to be applied directly to the balance. They stated my credit score was still too low to have that type of loan. So far I have paid Instaloan over {$900.00} in payments.
On XX/XX/XXXX XXXX XXXX XXXX reopened my closed account that was showing on my credit report closed for 3 years but for some odd reason its been opened back up and reported late and charge off in remarks. I disputed the in accuracy of this account to XXXX and this is what they do they reopen and put bad remarks on my credit bureau. This is a fraudulent act by this company and needs to be dealt with so they can not do this to nobody else. By them doing this it has brought my credit score down 53 to 60 points. I would like for you to delete this company with the credit bureaus it has been reporting on my bureaus for 4 years and 10 months and I'm tired of it I do not owe them any money I gave them their vehicle back in XX/XX/XXXX because it was no good and they stick me with the balance after they sold the car please help me with this company as they are putting false information on my credit report.
Filed a dispute on XX/XX/XXXX and still do not have resolution. It has been longer than 30 ays, right at 45 days now and still no answer.
I received a phone call tonight XXXX on XXXX XXXX 2017. They refuse to tell me what they are calling for, or what " debt I owe. They will not give me any info until I verify my social security number- not happening. They call ALL DAY everyday.
I sent two debt verification letters to Credit Collections, USA, LLC and they failed to respond to me and have ignored all of my requests of validation.
XXXX : XXXX XX/XX/XXXX Collection Information Bureau , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you XXXX or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : XXXXor any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX
I was a victim of identity theft and noticed a collection from LVNV FUNDING LLC I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against LVNV FUNDING LLC in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Bank of America gave me a PREDATORY interest only loan of about {$59000.00} ( ten ) 10 years ago. During the past 10 years I paid approximately {$160.00} a month in interest only or a total of {$19000.00} in interest only as the loan was not amortizing. In other words I paid Bank of America an effective rate of 34 % interest and I still owe Bank of America the entire PrincipalDespite the draconian conditions that Bank of America imposed I am current on my loan ( number XXXX XXXX XXXX ) and I never defaulted over the past 10 years. During this ten year I applied 7 times to Bank of America for a modification and a lower payment of about {$68.00} a month and each time my application was callously denied.even though my income is very low. But I continued to cut back on my medications so that I can afford to pay Bank of America and to date I am current on my loanTo add injury to insult Instead of lowering the payment to {$68.00} a month as I was requesting Bank of America has suddenly increased my payment to {$500.00} a month. Bank of America did not have the common decency to notify me by ( 1. ) return receipt or ( 2. ) certified mail or ( 3. ) registered mail.that they were about to abuse me. How could a Bank just unilaterally change the loan terms on a client without notifying him? 

In fact Bank of America just increased my monthly payment by 300 % from {$160.00} to {$500.00} a month without even notifying me. When I went and complained at the Bank of America branch on XXXX XXXX in XXXX XXXX the officer told me I signed to it 10 years ago.. The officer just said that Bank of America is within its legal rights and there is nothing I can do about it. 

This is a predatory loan and I can not afford to pay {$500.00} a month.I need help to lower the payment to about a {$60.00} a month. I am current on my loan and I never defaulted and I intend to repay the loan in full and would be most grateful for your urgent help Bank Of America IS FORCING ME TO DEFAULT even though I faithfully met my financial obligations to Bank Of America over the past ten years.
The loan borrowed started in XX/XX/XXXX, I never knew that my loan was a private loan stating the original loan came from XXXX. I am now in repayment, over the time I was not in repayment interest has been added on which seems to be daily at a rate of 10.5 % which started at 9.95 % I never knew that the rate was a variable rate until this recent month as I began to look over my statements and to why my payment continues to get higher each month. 
I borrowed {$15000.00} dollars to my knowledge in XX/XX/XXXX and during the time i left the school due to financial issues. Here now it is XX/XX/XXXX and the account on the AES website states I owe them {$29000.00} with repayment for 142 months of {$370.00} Paying a total of {$53000.00} to them for {$15000.00} that i borrowed that is down right sick!! So now facing this issue of not knowing what my payment maybe within the next few months due to a variable rate and how they do things to their terms without proper documentation. 
I asked AES for the master promissory note i received 8 pieces of paper that 1. ) had the wrong amount on it, 2. ) missing pieces of paper to complete the whole master promissory note,3. )  Information blanked out that AES claims is to protect me, I was told by XXXX ID # XXXX on XX/XX/XXXX That the information that is blanked out is to prevent the mail being intercepted into the wrong hands. Also with the missing documents of my 3rd disbursement that has been calculated into my loan, XXXX did advise me to call my school to check the financial records of the disbursements. They do not have the proper documents to continue to pursue the loan. The company and individuals I have spoken with have basically been rude, unprofessional, the loan information is very misleading, predatory with interest rates as high as they please. This company is a thief and the people who work for them have covered their lies of documentation
My monthly payment recently increased ( almost doubled ) and unfortunately, I did not realize as I have the payment set to pay automatically each month. I made payments each month - just not the new amount evidently. Navient called me to tell me that my account was past due and that the late payments had been reported to the credit bureau. When I inquired as to why the monthly payment had changed, I was told that I had XXXX loan that had not been included in my consolidation, and that that loan had been in forbearance ( I did n't realize I had any loans in forbearance ). I was then told that the new payment now included my consolidated loans plus the loan that had been in forbearance which was now due. I requested paperwork to re-consolidate my loans, but after looking through additional paperwork that I had on file, it appears that I am on a graduated repayment plan. I called Navient again to try to figure the situation out, and the representative was not helpful at all - she told me to go to the XXXX website. So I still do not know if I have a loan that was not consolidated, or if my payment increased because of a graduated payment plan. I feel that if I had had a loan in forbearance, that I should have known about it ; that if I was on a graduated repayment plan that I should have been told ahead of time that my payment would soon be increasing ; and if I made my payments on time although not the proper amount, that it should not have been reported to the credit bureau.
I purchased a vehicle at the XXXX XXXX XXXX in XXXX Florida on XXXX XXXX XX/XX/2018. I initially swiped my American Express Blubird card that i get my direct deposit on. It declined. I got paid that same day. I then used another source of payment. Later on that day i realised that my account was {$700.00} short and the payment was indeed accepted, but it was not in the dealerships ledger. I then contacted American Express customer service and i could not get any information on my account because their " system was down ''. My {$700.00} has been on hold for 3 days. I contacted American Express again this morning and they continued to tell me my money is on hold through an automated system and there is nothing they can do about it. I have car payments and bills, {$700.00} is a lot of money that i need right now, not in 7 days.
As of XXXX my balance was {$100.00} which was never reported. There was two credits that posted on XXXX/XXXX/XXXX for Late Fee AdjustmenXXXX of {$37.00} and Late Fee Adjustment of {$25.00}. There was a payment made on XXXX/XXXX/XXXX for {$260.00}. Credit report does n't show payment status for XXXX XXXX nor correct balance for XXXX XXXX. Billing statement does not show payment on XXXX/XXXX/XXXX.
XXXX XXXX XXXX XXXX, a third-party debt collector purchased an erroneous balance from XXXX XXXX XXXX in XXXX of {$360.00}. The health care provider was paid in full by insurance for a XXXX XXXX ordered same-day XXXX by my treating physician. Any overage claimed as out of network but should not have been charged at all. The debt collector refused to settle the claim for less than {$290.00} and has continued to report a delinquent account to credit bureaus, causing negative impact to my overall score. They have also refused to divulge the registered agent for service of process for legal action regarding violation of 809 et seq. of the Fair Debt Collection Practices Act.
I got a secured card through Bank of Oklahoma, who does their credit cards through lan. I 've had it for almost a year and they charged me an annual {$35.00} fee for the first year, I asked to have the card switched over to a card with no annual fee because I always pay my bill in advance and never keep a balance. They would n't give change it without another annual fee so I asked that the account be closed. After I faxed them the letter they requested to close it I received a letter from them stating I would not receive my {$300.00} deposit until the review period which lasted until XXXX XXXX ( over a month after I sent them the letter XXXX. I never have carried a balance with them and always make my payment way in advance. I do not owe them anything on the card and they still refuse to give me my money back until the " review period '' is over. I have called XXXX times in the past week or XXXX trying to get my money back and I have been told multiple dates by different employees as to when my money will be returned.
Wells Fargo Bank received and deposited insurance proceeds that was in my name and not endorsed by me and now holding and refusing to release funds that was supposed to repair home from fire. The proceeds are much more than what I owe.
Early in  XXXX  I posted a payment to  Wells Fargo Home M ortgage for the   XXXX   XXXX   XXXX  . I did this because it keeps them from callin g 2 or 3 ti mes a day if I want to pay at the end of the month. By  XXXX  I was aware that I was n't going to be able to make the payment. I tried to reschedule to payment on my phone but I got a message saying that they were n't able to access the loan data so I should try back later. And I did. Over  24 hours I tried about 10 times, o nline and on my phone, to change the date of my payment. I kept getting the same message. On the   XXXX   XXXX   XXXX   I walked into a  Wells Fargo b ranch to see if they could help me either cancel or rechedual my payment. After half an h our, two ba nk employees looking at my mortgage account, I was told that the problem is that the payment is pending, which is not what the message said. The woman who I talked with at the branch told me that the only think I could do was make sure that the money was in there because it was coming out. I knew that if I let them complete the transaction then the payment could be retried up to 3 times over drawing my account or taking out money as soon as I get income. I had to call my bank and put a ACH cancel/hold thing to make sure the payment will not go through.
My credit has been negatively damaged by PROFESSIONAL CREDIT MANAGEMENT. They four negative collections on my credit report. I have called PROFESSIONAL CREDIT MANAGEMENT in hopes that they would remove those negative remarks. They refuse to do so. 
Collections 1 : {$2100.00} Collections 2 : {$360.00} Collections 3 : {$88.00} Collections 4 : {$1000.00} All these collections accounts have to do with identity theft that occurred at this location : XXXX XXXXXXXX XXXX. I have no knowledge or history with this entity.
- We put down {$99.00} earnest money and $ XXXX  towards structural changes ( 20 % of the structural changes ) on a new build on XX/XX/2018 - We were reassured over and over again by XXXX XXXX  ( builder 's ) realtor that this was all at no risk. If we did not receive orders from the Military to VA, we would get all of our money back. My sister and husband were both present for this talk -We trusted our realtor XXXX XXXX  to double check that contingency, he did not, so it is not in the paperwork.

-However, we have on the contract that we will be using a VA loan. The VA will not approve a loan for a home that you can not physically occupy for a required amount of time -We were pre approved using their preferred lender at the end of XX/XX/XXXX

-XX/XX/XXXXwe supplied our VA info for eligibility -XX/XX/XXXXwe received notice that our VA eligibility was $ XXXX  less than expected because we had a previous VA compromise sale -We were told at the time of our compromise sale that it would not effect our eligibility. That info was obviously incorrect.

-We are now being asked to either switch to an FHA for closing with {$24000.00}, or bring $ XXXX to the table upon closing for a VA. Neither of which we agreed to.

We now have TWO strikes. We can not come up with the $ XXXX   they're requiring from us, and we do not want an FHA. We also do NOT have current orders to VA. We will receive hard orders in the next few weeks ( possibly not until XX/XX/XXXX ). They will show a detachment date ofXX/XX/XXXX from our current command, and an attachment date to the XXXX XXXX Virginia command in most likely XX/XX/XXXX or possible XX/XX/XXXX, or XX/XX/XXXX. But al of this can change.
I filed a complaint with the sherrifs dept in  XXXX   XXXX  of  XXXX  county in like  XX/XX/XXXX - XX/XX/XXXX  because someone was messing with my credit accounts and My ex husband  XXXX   XXXX  was ordering cards that had his name added to my accounts but we were divorced, plus I had brand new cards that I never removed from mailing but was getting bills that the cards were being used. I had a  XXXX   credit score  and  XXXX  accounts at one point with credit protection companies and then I had an entire property stolen in Nevada that was paid off which I have evidence to prove but on top of the situation my children we   XXXX   and my mail was being stolen from the mailbox at that address by my ex-husband and the cops would not arrest him I have court documents to prove this, then they let the house be robbed after kidnapping my kids again without court hearing or notice and falsely put me into jail while the house was being robbed. Then my children said my ex-husband did that too and they were there with him. All my information was compromised and I have been trying to get credit bueara to send me my credit reports from  XXXX   XXXX ,  XXXX , and experienced but they wo n't because I have no way of protecting anything or even knowing what 's going on with my information..Then I got one from the life lock that is completely wrong with companies and bankruptcy which I never filed and nothing that actually reflects truth as to what I had. The  XXXX   Judge wa s behind a lot of actions taken and police will testify to it from  XXXX  Nevada but they   XXXX   XXXX   XXXX   XXXX   XXXX   and messed with our whole life. Then the District Attorney of  XXXX  County Oregon has been stalking me and my information which I can also prove in efforts to cover up the Nevada crimes. I had bail money which was military back pay from  XXXX  which transferred to  XXXX  and then to my bank account of  XXXX  dollars that recently went missing and I have reason to believe the District Attorney of  XXXX  County   XXXX   is trying to steal it. I can send evidential proof and I would like any charges you can bring against all of it, except the police of  XXXX  in exchange for testimony because I know they were operating under threats to themselves as well. I am visiting family in Oregon now but have been transferred to  XXXX   XXXX  and am currently a California resident. The harassment continues in efforts to obstruct justice because cops have me a false ticket yesterday that I clearly sat at the light until it was green and I know the DA is stalking my phone and they just did it to harass me with clear intent and the  XXXX  knows I did n't run a ref light.  XXXX  my other ex-husband  XXXX   XXXX  worked secretly with police dept of  XXXX  Nevada and has been assisting in the criminal cover up and stealing my pay along with obstruction of justice while helping in aid to cause my sufferings and prevent justice. They have all been in on it together with different resources. It 's been an impossible fight but  XXXX  way or another they are all going down.