WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, 2016 I personally went to CapitalOne Bank XXXX branch to collect the stolen funds by unknown theft XXXX XXXX. The stolen funds in the amount of {$79000.00} plus 20 % interest, {$100.00} late fee/per month, {$150.00} travel expense, 14 hours collection time, pain, suffering NEVER paid for 3 years. Theft XXXX XXXX NEVER went to jail for her theft behavior. However the branch manager XXXX XXXX XXXX began to blaim me as a victim. He stated that " because of your behavior, the bank closed all of your accounts and mailed you a cashier 's check {$9.00} on XXXX XXXX, 2016. You can not access the Capitalone branches anymore. '' I feel I was mistreated that I lost my savings for 3 years and never received anymore payback. However he began to take my advantage to let me leave without paying stolen funds back which belong to me. I was also shocked that what type of behavior I have? He lied. I just followed what the customer service told me to go to branch to collect stolen funds. I have asked him the corporate office phone number however he only gave a customer service phone number. I walked out of branch to filed a complaint to customer service Rep XXXX XXXX. On XXXX XXXX, 2016 I was called by a CapitalOne customer service Rep XXXX # XXXX at XXXX. She said she can contact branch regarding my complaint and stolen funds, but I waited 15 minutes she never had any answer. I am extremely angry about my stolen savings not only I need it to pay my daily living expenses, but also I lost lots of promotional bonus, interest, earning opportunities by other means for 3 years. I have NO choice but to file another complaint to ask my stolen funds to be back immediately.
A woman from the state of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX used my XXXX drivers license and social security number to purchase a car thru a loan company called XXXX to purchase a XXXX car. I did not have anything to do with this. I would think this is highly illegal. This transaction showed on my credit report on all XXXX bureaus as a positive item which has effected my debt to income ratio. I need this removed I did not buy a car.
I am requesting that TransUnion immediately delete the address listed on my credit file as reported and previously listed on the TransUnion Credit File : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX. DATE REPORTED : XXXX/XXXX/2009
I gave a cash down payment and a Nissan Altima as a down payment for a BMW 525xi. Westlake Financial Services and the dealership i obtained the BMW/loan from, both falsified the loan documents by only including my cash payment apart of the deal. Essentially stealing my traded in vehicle. With the creation of the loan, the warranty was set up. After expressing 2 months after getting car that the vehicle is inoperable and about the loan, Westlake declined to assist with correction of loan documents. In XXXX XXXX, Westlake Financial even denied receiving a {$350.00} payment and is still missing. Also after I decided to stop paying the payment due to the shady payment system, repairs needed for vehicle, and falsified loan documents, Westlake then repossessed my vehicle in XXXX XXXX. After repossessing my car prematurely, it is now XXXX XXXX, my credit report still has no update on the correct number of missed payments nor have they taken the value of the car from my owed balance on the credit report. So at this time, i have had XXXX vehicles taken from me by this company. Westlake Financial Services employees has been more than rude, nasty and unprofessional and needs to be shut down. The business they do is completely unethical.
Ive been getting 3-5 calls everyday, and I was kinda cautious about it cause they kept saying wrong names and the amount kept changing, Ive asked for a letter in the mail many times and never received it and now its in collections
My loan went into default with XXXX XXXX XXXX for almost a year. I was working with XXXX to get a loan modification however after XXXX unsuccessful attempts to resubmit the same documents, we finally just gave up. It was causing undue hardship and mental stress to continue to provide documents again and again only to be stalled in the process. It 's very clear that XXXX was using stall tactics so that they would not have to move forward with the loan medication. In early 2015, I received a letter from XXXX that the loan was sold to BSI financial services. I contacted BSI who advised that they own the loan. I explained to them that I was continuing to receive foreclosure documents from the courts. BSI further explained that they now own the loan and will allow me to short sale my home. I advised BSI that I 'm not going to submit documents again XXXX times only to be stalled once again. BSI assured me that I did n't need to fill out any paperwork and instead they would connect me with XXXX of their preferred realtors to look at the home for potential short sale. Also, I would like to add that BSI advised that if the home did not sell within 60-90 days that they would accept a deed in lieu of foreclosure. They also advised that they would not hold me responsible for the difference whether its a deed or short sale. The realtor and BSI approved the short sale for XXXX and house was listed. Approximately 30-45 days later I received mail that a foreclosure judgment had been granted by the local courts. I contacted my realtor who advised that she would contact BSI to see if we could appeal to additional time to short sale the house. I never heard from her again. This week I received mail from the courts that BSI bought my home for XXXX. In essence, they sold the loan to themselves so that they can resell at a higher value. This is both unethical and fraudulent. They lied to me throughout the whole process and I seriously question if the realtor was in on it from the very beginning and has received some sort of kick-back for assessing the home 's value for them from the start.
XXXXXXXX XXXX XXXX rejected my automatic electronic payment from my XXXXXXXX XXXX Checking account. XXXXXXXX XXXX XXXX then reported my account as delinquent and as a late payment for the month of XX/XX/2018, and also for the month of XX/XX/2018 to various credit bureaus ( XXXX, XXXX, and Transunion ). I filed a complaint XXXX-XXXX with the Consumer Financial Protection Bureau on XX/XX/2018. XXXX XXXX XXXX responded to complaint XXXX-XXXX on XX/XX/2018. In their Response XXXX XXXX XXXX admits fault and states that they have issued corrections to the Credit Reporting Agencies. All 3 credit bureaus received corrected information on XX/XX/2018. I have attached a copy of this letter for your reference. On or about XX/XX/2018 XXXX XXXX XXXX did furnish to Transunion information that was, by their own admission, incorrect. A Dispute was submitted to Transunion that Transunion claims to have verified with XXXX XXXX XXXX that their reporting of a late payment for the month of XX/XX/2018 is Accurate. The very same information that XXXX XXXX XXXX in its response to the CFPB Complaint did state that they would remedy and update as a result of their error is now being reported to Transunion as accurate. XXXX XXXX XXXX has altered its records available to me as a consumer that does not reflect a rejected/error payment, however, reflects no payment at. I believe that this reporting is a willful violation of 15 U.S. Code 1681 ( The Fair Credit Reporting Act ), and it is my hope that the CFPB investigate it as such.
I initially submitted a dispute with the credit bureaus in  XXXX  of  2017 reques ting validation of this debt w ith Mid-Atlantic Finance. I never received any proof that I requested, just stating that it meets the FCRA Act, duri ng that dispute process they continued to report a late payment for a debt that is past the Statute of Limitations for Texas, meaning they ca n't collect on the debt, but still failed to provide a legal form of indebtedness with a physical signature. On  XXXX   XXXX  I sent my validation request to  Mid Atlantic Finance direct ly requesting the same information for validation and again on  XXXX   XXXX ,  2017 , they reported a late payment again during an investigation period. While an account is under dispute, all activities must cease until the investigation is complete. Not once, but twice have they failed to supply a physical form of indebtedness with a valid physical signature and they are still reporting on my credit report.
I have been a custom er of Citibank for 29 years. I pay my balance in full every month. Citi o ccasionally sends me junk mail that I throw in the garbage. Apparently they sent blank checks to be used for a balance transfer. On  XXXX  some one signed my name to one of those checks and made it to himself ( or another individual ) for {$600.00}. Citi assessed a {$30.00} fee. I paid the {$630.00} because I 'm applying for a mortgage and I do n't want to show I have overdue charges. Since then I have called the bank 6 times and have asked for my money back. Every time they put me on hold for a while and then they say the money will be in my account in 2 working days, they will send an affidavit for me to sign, etc. It 's now been 5 weeks and nothing has happened. I asked them to cancel all other checks that were issued and not to send me any more. Someone did try to cash another check for {$300.00} but luckily it was n't accepted. I 'm appalled they treat me like  this. I 'm buying a new house and {$630.00} is significant. I do n't know how much longer they need to investigate, but they should give the money back in while they do that, or they should speed up the fraud investigation.
I've Contact XXXX tried to explain to them that I did not have an account with them, That this account must have came from Identity Theft, their response you have to deal with the collection agency.
Reference XXXX Experian is asking me to send in documents. They have my address as I just called them and asked. 

More stall tactics from experian.
I have been attempting to apply for a loan modification for several months with loanDepot. I am working with a non-profit and HUD approved housing counseling agency to submit my modification paperwork. On XX/XX/18, I received a letter from loanDepot that my application was complete and that I should expect a decision within 30 days. I received no further communications from loanDepot about the status of my paperwork and then received a letter on XX/XX/18 advising me that XXXX XXXX was now my new loan servicer. When I contacted XXXX XXXX about the status of my paperwork, they advised I would have to apply all over again. This is incredibly frustrating and my counselor advises is contrary to federal law regarding the servicer 's duty to issue a decision within thirty days  of a complete file as well as their duty to send my loan modification paperwork to the new servicer.
I started having problems at my commodities job XX/XX/XXXX! I started seeing Drs and was diagnosed with anxiety disorders and Atrial fibrillation XX/XX/XXXX. I had to quit my job on XXXX the S.S declared me total disable on XX/XX/XXXX! then I had XXXX on XX/XX/XXXX! i was trying to make payment with with American Express at that time but the told me that i had all ready maid an agreement and that they only do agreements for 6 months one time a year! I owed them around {$13000.00} I told them my situation and that I had no income so XX/XX/XXXX I started getting calls from them offering to settle for {$5800.00} the person was from another country promising that he was representing XXXX. but it turned out to be collection company to of XXXX XXXX they had all my account information he would call me about once week and offer to settle for a different amount each time! I Called A.E. each time and told them that I just wanted to be put back on a payment plane but was denied each time the representative said that it had n't ben turned over to a collection agency! on XX/XX/XXXX I got my first phone call from XXXX XXXX XXXX, XXXX. they sued me on behave of American Express they offered XXXX different payment plains witch I could n't afford so we went to aberration I had no lawyer! we agreed for me to pay {$6600.00} at {$110.00} per month in court which I have done on time with my S.S. XXXX money! 
my biggest concern is that they continue to report late payments on my credit report every month, I have not been late or missed a payment since we made the agreement they auto draft it from my bank account every month! 
I do n't think that it is fair for them to continue to hurt my credit when I am doing everything in my power! My accountant told me to file bankruptcy XX/XX/XXXX! I got caught in the Housing scam I had XXXX houses XXXX were for investment purpose, I lost them all plus the house that I and my family live in is in foreclosure! in total I lost close to {$15000.00} and that not counting my house in foreclosure no wonder that I have hade all the health issues! 
my fido score was once above XXXX so I am not a deadbeat I just do n't think it fair for them continue to hurt my credit!!!! 
Thanks
My wife and I purchased a home in XXXX of XXXX. We put 5 % down so we had to get Mortgage Insurance. This XXXX XXXX I was able to pay the principal down to 80 % of the purchase price. I called to get the PMI removed. I was told by a Chase representative that I would have to pay for an appraisal ( approx {$450.00} ) to get it removed. She also said that if I paid it down to 78 % it would be automatically removed by the computer. I did that and paid it down to under 78 % loan to value on XXXX XXXX. I called back and they concurred that I had paid down the principle to under 78 % but a different representative said I would still need an appraisal to prove the property had n't dropped in value. However according to the law all PMI should be removed once 78 % of the original purchase price is reached. I spoke to my mortgage broker who obtained me the loan through Chase and he said that they are breaking the law. I have since been charged XXXX additional payments of {$170.00} for my mortgage insurance since I have paid it down to 78 %. I want Chase to refund these payments to me and take off the PMI on my property. I have recently applied for HELOC and I have obtained a copy of the appraisal done by XXXX. I have attached that as well. It shows my property appraising at {$40000.00} more than the original purchase price in XXXX. This is ridiculous that they are holding me hostage on this PMI and still charging me for it.
OKAY SO I 'M A LITTLE CONFUSED RIGHT NOW. THE FIRST REQUEST I SUBMITTED YOU SEND ME A LETTER BACK STATING THAT IT WAS A FRAUD DISPUTE AND THAT YOU WERE N'T INVESTIGATING. I SENT ANOTHER LETTER THAT APPARENTLY GOT OVERLOOKED. I FILED A COMPLAINT WITH CFPB ABOUT NOT GETTING THESE INACCURACIES INVESTIGATED AND YOU SEND ME A LETTER BACK STATING THAT YOU WILL NOT INVESTIGATE THESE ITEMS AGAIN. WHEN DID YOU INVESTIGATE? WHO DID YOU SPEAK WITH? CAN I HAVE THE DATE AND TIME THAT THESE ITEMS WERE VERIFIED TO YOUR COMPANY? I NEED THIS INFORMATION FOR MY NEXT STEP. APPARENTLY YOU HAVE NO REGARDS FOR THE FEDERAL LAW SINCE YOU CONTINUE TO VIOLATE MY CONSUMER RIGHTS AND DISPLAY THIS INACCURATE INFORMATION!!!!!!!! PLEASE SEND ME THE METHOD OF VERIFICATITON, DATES AND INFORMATION THAT YOU HAVE TO BACK UP YOUR CLAIMS FOR THE FOLLOWING ACCOUNTS 1 XXXX XXXX XXXX # XXXX IS ILLEGALLY COLLECTING DEBTS IN THE STATE OF LOUISIANA BECAUSE THEIR LICENSE IS INACTIVE. 2. XXXX XXXX I HAVE NEVER DONE BUSINESS WITH NOR HAVE I BEEN CONTACTED BY THIS COMPANY. 3. XXXX XXXX XXXX I HAVE NEVER BEEN LATE XXXX. XXXX XXXX XXXX # XXXX I PAY ALL MY BILLS ON TIME. THIS INFORMATION IS INCORRECT. 15 DAYS IS MORE THAN ENOUGH TIME TO FURNISH ME WITH ALL SUPPORTING DOCUMENTS THAT I REQUESTED **TRACKING**
SLS is in violation of debt collections practices act, acting with malicious intent and in violation of CA HBOR. 

At issue is the new policy at SLS which affects short sales. This is a policy that no other lender has as it's in violation of debt collections practices act. This specific policy is specifically for 2nd liens owned by SLS which requires the removal of fees which have been approved by senior lien holder on a short sale. 

These fees do not in anyway impact the amount SLS is receiving on their short sale and the senior lien holder is the lender that dictates which fees will be allowed since they are the one who is entitled the most proceeds of the sale. When SLS demands fees to be removed, in the case loss mitigation fee of XXXX which was approved by 1st lien holder, they are pushing that fee onto seller which is illegal on short sale and in violation of CA HBOR. SLS can not in anyway demand the removal of fees which are approved by 1st lien holder. This egregious and malicious illegal tactics must immediately cease and desist. SLS must adopt the policy they had before and every single lender has and focus on what they want to net from the short sale and not remove fees approved by 1st lien holder. Trying to remove fees in negotiation that are approved and being paid for by 1st lien holder is in fact acting in bad faith and is something SLS can be sued for.
I made a purchase on line to a trial merchant the items was eye cream & Face cream. the items did not work out and I called and canceled with in their time frame that was given to the costumer, their was to only be a charge for shipping of each item through the same company but separate shipping cost. One was {$4.00} and the other was {$5.00} but after I had canceled they must have immediately shipped out more product and when that was delivered to my address I checked my credit card charges on line and discovered They charged to my Visa credit card through U.S.Bank {$89.00} & {$86.00} for the initial shipment pulse {$92.00} that I had received on  XX/XX/XXXX . I called the company and told them I had called and canceled within their time frame and should not have been charged, and that they had sent out & charged another fee of {$92.00}. I then called the U.S.Bank visa credit card company and explained it all and said I was disputing the charges & I 'm fighting the credit card.
I have noticed several inquries being processed by the name of XXXX XXXX XXXX in which is affecting my credit. I feel as if i am a victim of identity theft but i am still getting letters back stating that the inquiries are factual in which they are not. The inquiries are XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX GA XX/XX/XXXX, XXXX XXXX  submitted a inquiry on XX/XX/XXXX and i never authorized this they sent me an application with my information and my ssn did not match and they told me that it was me in which it was not. I am highly upset because credit is very important to me and with all of these security breeches how can i confirm anything when my identity has been stolen.
They are calling for the previous owner of the phone number. I do not know who he is and the debit is not mine. I've been asking them to stop calling for TWO YEARS and they robocall me EVERY SINGLE day M-F. This number now belongs to a business, not a person. 

Transworld Systems Incorporated calling from : XXXX XXXX XXXX XXXX asking for a return call to XXXX with a reference number of XXXX
I had file a dispute with XXXX in regards to some inaccurate information. They never answer my dispute. I called and wrote a letter several times and never received an answer. Once they had the incident where they were hacked I resubmitted my dispute and some of the item were corrected. About 3 or 4 months later they were reinstated. Again I filed a dispute and informed them that I knew it was illegal to reinsert an item without proper notice and I have yet to have those items removed.
Netspend has all of the appropriate documentation for my dispute. They closed the dispute, without even looking at evidence provided. I tried my best to go up the chain of command, including contacting the corporate offices. A gentleman at the corporate office spoke to me, he stated that some of the paperwork was received, but not everything I sent. I resent the emails to him, but to no avail. There where 14 emails of documentation submitted, they looked at none of it. 

I explained the the account should have taken a pre-authorization, not the physical money. I also provided copies of the credit card statements showing where the charges went off of my primary card. All this information was ignored as well. I am attaching everything to this complaint, in hopes that they refund my money that is due. This should have been done almost 2 months ago. I should not have to wait an extended period of time, they have the ability to get their money back from the vendor. 

Once again, I was aware they where doing a pre-auth but the money should have posted back to my card. They are allowing me to be charged 2 time. This has also caused me to have my primary mode of transportation put at risk, because them not returning my money has caused me to directly go into default on my auto payments. When I stated I was going to file a complaint, I was threatened that if I did they would block me from their system, close my account, and block me from services. 

I just simply want my money, that I should have well had! Unfortunately the documentation vast to put it all in, it will be re-provided upon request. I have attached the charges from the other company, to contradict the charges by Netspend. My money needs to be refunded urgently, before I lose my truck.
As of XX/XX/2016, by my loan documents, I am no longer required to pay for pmi. But BofA still says I have to pay for another month because my XX/XX/XXXX payment fell on XX/XX/XXXX. They say I will no longer have to pay it come XX/XX/XXXX payment. They disregarding the terms of my contract.
XXXX XXXX XXXX was deleted from my Transunion report and it was put back on there
On XXXX XXXX, 2016, I initiated a " Send Money '' payment for {$770.00} from my checking account with USAA. The transfer vehicle for this payment was XXXX. The {$770.00} was debited from my account on XXXX XXXX, 2016, but never entered the XXXX system, and was not received by the recipient. Since then, I have contacted USAA multiple times to resolve this issue, and have been met with a refusal to provide any restitution. Additionally, USAA has continually referred me to XXXX to rectify this issue. USAA supplied me with a XXXX transaction ID with which to locate this payment. XXXX has no record of this transaction ID, and has no record of any transactions from my account for that amount using my checking account information. On XXXX XXXX, 2016, I spoke with a member of USAA 's Executive Resolution Team named XXXX, who, after talking directly with XXXX, informed me that USAA would be crediting my account for the entire {$770.00} within XXXX business days. After 8 business days, my account has not been credited. I spoke at length again with XXXX members of USAA 's Executive Resolution Team ( XXXX and XXXX ) on XXXX XXXX, 2016 to try to ascertain the whereabouts of my credit. These individuals informed me that USAA would not be crediting my account ( as previously promised ) and that I would have to take up the issue with XXXX. Although I informed USAA representatives repeatedly that since the transaction does not exist with XXXX there is nothing XXXX can do, they refused to offer me any restitution.