WillisBack/dataset-financial-user-claim huggingface dataset:
I took out a loan of {$3100.00} from Loan Me. Everything was fully explained to me and the loan was funded on XXXX XXXX. I later that day called Loan Me customer service. I just wanted to receive my account number. I was told that they wanted to give me a welcome call for being a new customer. I informed the customer service person I was in a hurry and just wanted my new Loan Me account number so I could electronically submit my own loan payments. I was told they needed to re verify all of my personal information first to validate it was indeed me calling. I was good with all questions asked until they asked me to say out loud my whole social security number. My other financial institutions never ask over the phone my entire social security number but instead ask for the last XXXX digits. I believe this practice of asking some one to repeat their entire social security number over the phone is in violation of my rights as a consumer and can lead to identy theft. I provided my entire number online with their application which I have no problem with. They could easily verify my identity using the last XXXX digits of my social security number or another validating security question. The person I spoke with after I was validated as the borrower proceeded to tell me they would not give me my account number until I listened to their welcome call monologue. I reapedately asked just for my account number to no avail. I asked to speak to a supervisor and was placed on hold and then disconnected. I called back to receive the same validating questions and again was asked to say my entire phone number. This time the person did provide my account number when I asked but also proceeded to insist I listen to their new customer welcome call. I reluctely listen to what was Loan me ' s welcome call for me being a new member. This welcome call is nothing to do with verifying the borrower but has everything to do with loan me ' s attempt to get my permission to be contacted at work. Please have them stop the practice of having to repeat my entire social security number over the phone. Thank you. 
Respectfully, XXXX XXXX XXXX XXXX XXXX # XXXX, CA XXXXXXXXXXXX XXXX of SS # XXXXMore than enough validation provided. 

You may publish everything but my personal information.
CREDIT MANAGEMENT debt practices have notified me, for accounts collections. 
I contacted the XXXX major Credit bureaus, and Credit Management with an ID Theft Report proving to them that I was the victim of Identity Theft. I was overseas in XXXX when the account was opened. 
I have not received any financial gain from the above account. 
The entities named above validated the debt as his, yet they did not provide any documentation legally linking me to the accounts. 
The problem with their validation is : 1. The accounts are linked to an address that I have never resided at. 
2. The number one way companies validate an account is through a signature neither of the entities above have done so. 
3. My information along with others in his XXXX had been stolen I am sure they are very aware of the Fair Credit Reporting Act ( " FCRA '' ) and Federal Debt Collection Practices Act ( " FDCPA '' ) laws against " re-aging time barred accounts '', and the laws on " debt duplication ''. Their continued demand for money from our client is in violation of FDCP statutes 806 Harassment or abuse 807 False or misleading representations 808 Unfair practices 809 Validation of debts Therefore I request that you contact them demanding they validate these accounts. If they can not according to the FCRA, a block and or deletion of the accounts must take effect. FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of -- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section -- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. 

In the meantime they must cease and desist all debt collection practices. 
In the event Credit Management or the bureaus makes the " work-shy '' claim that the request for the block according to 605b was made in error they must properly and due diligently validated the accounts.
I came to the XXXX location in XXXX to apply for a loan. The loan was to pay for a certification class and moving expenses. After explaining the situation in its entirety to the representative, I was told that I needed to open an account to apply. After opening a checking account, he opened a savings account for me as well although I did n't need it. He then did the loan application and told me to check back in a few days. I decided to call the customer service number about an hour after getting home and was told that my application had been denied. I was also told that the decision was made right away, as in while I was in the branch. After appealing the loan process several times over the course of 4-5 days, I was finally told that Navy Federal does not grant personal loans for job certification purposes, but would be more than happy to help me with my moving expenses. After applying for a 4th time, I was denied again without a proper explanation. I was told to simply wait for my letter in the mail explaining the decision. I will be starting a new career in California on Monday, XXXX XXXX, and all Navy Federal has managed to do is waste my time and energy. From the beginning, the representative simply signed me up and left me out to dry. Knowing my application was denied, he told me to simply call back a few days later. Knowing that you do n't give loans for certifications, your customer service and lending teams wasted my time and money having me appeal and process several loan applications. I am going tomorrow to withdraw my money and close my account. I am also recommending my brother, a active member of the ( XXXX XXXX ) and my mother, both account holders of Navy Federal to do the same. I have never felt so cheated and swindled by a company in my whole life. I want this to be made very clear to Navy Federal : you created a checking and savings account for me AND RAN MY CREDIT knowing that the reason for the loan was not something you support. Shame on you and your banking institution for not knowing better.
I'm listed as an authorized user on three accounts. All three are revolving charge cards, i am in possession of each card. On my credit report only XXXX has successfully uploaded these accounts to reflect the history and credit limits accurately. These accounts are a XXXX XXXX XXXX XXXX rewards credit card, a XXXX XXXX  XXXX XXXX store card, and a XXXX XXXX  XXXX XXXX store credit card. I've reached out to each of these companies individually to make sure they were reporting me as a user and they confirmed that there were and i should contact the bureaus. I called both XXXX  and Equifax by phone, i've submitted several documents to Equifax by certified mail, and fax, and and several attempts i was not able to be helped.
Good Afternoon, I received a call from someone named " XXXX XXXX XXXX, from the offices of XXXX XXXX '', not mentioning my name in the voicemail, and threatening legal action for something without giving any details on the creditor or leaving his phone number. 
I called the number back, and it went to a " XXXX ''. This is seemingly a false attempt to obtain my financial information, money, or other personal data. I looked up this number and found other complaints against this same individual. Thank you. 
Number : ( XXXX ) XXXX
Had to prepay for an appraisal In the amount of {$400.00} for a loan that I did not close on. When I asked about a refund, I was told that refunds are not given for appraisal. I than asked another lender and was told that if a loan is not closed on, I am not responsible for the cost of an appraisal.
I paid Diversified Consultants for XXXX XXXX XXXX on XXXX XXXX, 2016. We settled for {$390.00}. I was told that they would send me a satisfaction letter within 48 hours via email and they would also mail out a letter that I would receive within 10 days.During this time they had reported to the credit bureaus that this account was paid in full and closed. I waited until XXXX XXXX, 2016 for the letters and I received NOTHING, so I called back and they told me I would receive it in 48 hours, again nothing. On XXXX XXXX, 2016 my XXXX report showed a open balance of {$720.00}. On XXXX XXXX, 2016 I called Diversified Consultants to have them explain to me why it had been reported open on my credit and to see why I had not received a letter. All they could tell me was that it was paid in full and closed and my letter had been mailed out that day and I would receive it within 10 days. I finally received it on XXXX XXXX, 2016. On XXXX XXXX, 2016 I received a letter from XXXX to pay a balance of {$320.00} that had been forwarded to them from XXXX XXXX XXXX. I contacted XXXX and told them I had already paid this account with Diversified. They told me to contact Diversified and have them update their records with XXXX XXXX XXXX so I did, the gentleman on the phone said that they had already updated the account with XXXX XXXX XXXX and there was nothing more that they could do, but he would transfer me to a supervisor. I left a message on the voicemail for the supervisor and received no call back. On XXXX XXXX, 2016 I faxed the letter from Diversifed to XXXX and on XXXX XXXX, 2016 I emailed them the satisfaction letter. They responded back to me via email stating that they could not close the account until they investigated it with XXXX XXXX XXXX. I called Diversified again on XXXX XXXX, 2016 and they told me that there was nothing they could do, but forward me to a supervisor. The supervisor did not take my call so I left a voicemail to have them call me back. After I hung up I called XXXX XXXX on XXXX XXXX, 2016 and they told me that Diversified had only reported a half payment to them instead of a settled in full agreement and that is why I was receiving letters from XXXX. They had me email over the satisfaction letter to their collections department so that they could investigate this matter and get it taken care of. I am still in the process of trying to get this all cleared up.
XXXX, XXXX, and TransUnion continues to report a repossession which is not associated with me, despite repeated disputes with both the CRAs and the creditor.
I purchased a XX/XX/XXXX Nissan Sentra in XX/XX/XXXX for XXXX dollars. My down payment was {$1500.00}. My payment was XXXX. My car was totaled in XXXX XXXX. I paid {$8400.00}. I still owed XXXX. The interest rate is ridiculous.
Net Credit continually calls my phone every day, sends emails even after I already told my situation that I am not able to pay at this time. The repeated robo calls into the weekend are annoying and excessive.
I am making a request to have All Closed accounts on ALL 3 credit reporting agencies : XXXX, XXXX, and Experian, DELETED from their databases. 

All three credit reporting agencies have not deleted items off my report since I have requested multiple times for them to do so as they have not provided me the Original Signed Documents for any of the accounts that are listed and would allow them to report any of the accounts on all 3 reporting agencies. 

items are past or near statute of limitations and bare no such right to be on my reports at all as accounts are Old, Closed, and have not been deleted and resolved upon my previous requests. 

I have attached the disputes I have sent to them showing details of dates, names of accounts etc.. that need to be deleted immediately.
XXXX last year I got an XXXX and I enroll in the upgrade program which let me change my phone every year ( with citizens one ). a year has pass and I am trying to upgrade my phone but in the process they are asking me for a credit card which I do not have. I already have 2 programs and they have withdrawing money from my checking account with no problem. When I call them they just apologized and told me that some rules had change ( without me being notified ). I believe it is unfair to advertise an upgrade program and when trying to upgrade find out it is not possible. Now I am stuck with this phone and Citizen One did not deliver on their product.
someone give me a fraud check and I suddenly deposit it thru my account. I just wan na help but I did n't realize that check is fraud and he keeps calling me to send him the money after I put in my account.
I have called several time to ask to have the inquiries removed and was told that they cant do that and that a creditor can pull my credit without my consent. I know that is not true and want the inquiries removed that I did not authorize.
Transunion advised that there were not inquiries, I attached the report showing them listed.
Mortgage account XXXX and XXXX XXXX XXXX, 2015, Wells Fargo paid my property taxes, XXXX borough XXXX, block XXXX and lot XXXX and established an escrow account. This was done in error since I was not delinquent on my taxes. The payment by Wells Fargo created a credit on my property tax account and there ensued months of attempting to reconcile this error. I contacted the XXXX XXXX Department, XXXX XXXX, and confirmed there was now a credit on my account for {$970.00} since I paid and Wells Fargo paid the same bill. I contacted Wells Fargo and was told I had to pay back Wells Fargo the amount they sent to the Tax Dept. in order to get the escrow account deleted ; I sent Wells Fargo a check, as directed by XXXX XXXX, Mortgage Specialist at Wells Fargo, in the amount of {$1300.00} plus was told Wells Fargo filed a refund request with XXXX in the amount of {$970.00}. I was told once the city refunded Wells Fargo, the escrow would be deleted and I could resume property tax payments on my own. My last contact with XXXX XXXX was XXXX and he confirmed that the refund to Wells Fargo was processed by the XXXX XXXX and there was no longer a credit on my account. Here it is XXXX, and we are starting all over again : Wells Fargo paid my XXXX to XXXX 2015 tax bill and now are telling me that I am delinquent in my mortgage payments for XXXX and XXXX since the payments I sent could not be credited since there was an outstanding escrow balance. I have never been late with my mortgage payments but because there exists an outstanding escrow account, Wells Fargo will not properly credited my payments to my mortgage account, and are now considering me delinquent. I am now getting harassing calls for payment and XXXX XXXX has not answered my emails or my calls for over a month. I am sick over this since I fear my credit will be affected and quite honestly, I do n't know what to do. Every time I get correspondence from XXXX XXXX, the amount I have to pay them to satisfy the escrow changes. I am completely confused and feel I am in a nightmare of error that can not be resolved. 

I am in desperate need of assistance.
Banana Republic and their XXXX Credit Card. 
I pay full statement balance of {$3700.00}. In their Banana Republic Online Account it says its no longer in process the payment and posted by XXXX/XXXX/16. I call the XXXX to ask why the amount I paid is still Not available to use. They give me a Fax Number XXXX XXXX. I send the evidence from the Bank Account to the fax number. I called Again. The service rep confirmed they had it. Than they said I still had to wait 6 day because of such large amount being paid. So I ask for Supervisor. Supervisor said same thing had to wait 6 days. I told them that because I paid good I was being penalized. That this did not make sense. I was upset. What if I needed to use in hospital the card right now? So even if I was buying something that same day in Banana Republic no good also. I even try to see if by saying I would cancel the card and still Nothing the supervisor was OK to close the account. I have paid less amount {$2000.00} before and in 2 days I can use card. Today the XXXX of XXXX I went Banana Online Account and still not available the funds to use. Not even part of it. I use the Customer Online Support and XXXX XXXX said all was all in good standing. The rep told me to call XXXX XXXX. Call support rep and told them 6 days passed. Explain I called friday. They told me had to wait now 48hrs. I ask what can I do to avoid this. She recomendad not paying completely but halve and than the other halve one week later. 

I complaint base on the fact that its misleading and they are not letting known to consumers that if they paid in full it will take longer to clear than if they do not pay off completely. Also the the Online Bank statement says its Cleared and should say that it is still in process. If the funds are not going to be available yet. And also that If I send the bank evidence by fax that they should honor the request to fix and update the system to reflect the available Funds. 

I have ALL the Calls Recorded as Evidence. Also screens shots of the online Bank Account. And evidence of Fax being received. 

Its not fair that this company Banana Republic manipulates this and is not clear to customers so that one can plan accordingly.
This is a follow up on my complaint : # XXXX. I had complained against Experian. They have asked for proof of incarceration so I am here to provide that. I was XXXX  from XX/XX/XXXX for 13 months, and didn't get out until XX/XX/XXXX.
I am the XXXX Representative for an Estate that contacted JPMorgan Chase to give me a payoff for the deceased home loan for payment. The home sold, the closing date and time were determined. For exactly two plus weeks Chase gave me false information and would not honor my request. I contacted the Office of the Attorney General in Minnesota for assistance. They did contact Chase Mortgage on my behalf. Chase did give the payoff amount to the advocate that acted on my behalf. Had the Office of the Attorney General not assisted me I would still be trying to obtain the payoff amount for the loan. Chase Mortgage also added fees to the loan which were not applicable in this case.
On XX/XX/XXXX I took out a loan from XXXX XXXX XXXX XXXX XXXX branch located at XXXX XXXX XXXX XXXX # XXXX XXXX, SC XXXX ( XXXX ) XXXXfor a very close friend ( XXXX XXXX ) at the time who asked me to help him by getting a loan to help him because his credit was not good enough to take out a loan in his name and that he would pay the loan payments on time and if I could do this for him it would releive some of his financial stress for the thing 's that required prompt attention. I was not able to loan XXXXXXXX XXXX the money because financial I just didn't have it drowning in my own finances. I finally said yes because of my compassion to help other in their time of need in any way that I could and put my trust and faith in XXXXXXXX XXXX to keep his word on our verbal agreement/contract to never be 30 days and don't have lendmark call my job and he verbally agreed and promised to do as I asked which was discussed while at the Lendmark location with the loan officer.  The Branch Manager XXXX and loan officer XXXX were aware that this loan was solely for XXXX XXXX but needed my my credit to obtain the loan. I have received numerous phone calls, voicemails, and correspondence by mail in reference to late payment. The branch has been kind and helping with a solution to this problem by deferring payments and waving late fees due to XXXXXXXX XXXX being in breach of our verbal contract. It was stated to XXXXXXXX XXXX that I could afford him not making the payments on the loan, because I could not financially afford it. I travel for work up until I start my XXXX XXXX for XXXX XXXX and will no longer be able to work full-time. While between travel assignments I don't get paid and to gain the extra financial strain of this loan payment is overwhelming and unaffordable for me with everything else I'm already burdened with financially is causing me physical and mental distress. XXXXXXXX XXXX has been paying the loan since XXXX up until XXXX XXXX and just stop responding to Lendmark 's phone calls and my phone calls and text and just think that it's ok to just not pay his loan in my name because he used the money not me it was for his expenses not mine and I'm hurt and disgusted because I'm doing my best to maintain my credit so that one day I can be a first time homeowner like many others, but don't feel that the good deed I did that I should bear the burden, because they breached and violated the verbal agreement/contract to pay this loan. I would really love to have resolution from this issue and I'm begging for this loan to be forgiven because I just can't afford it and it's ruining my life with the constant phone calls and crying because I need my credit and digging myself deeper in debt by neglecting my financial responsibilities to address this loan that only belongs to me by name. I really need some help and resolution. I thank you for your time and patience and pray that things will work out for XXXX 's glory.
For the past three months our mortgage company Penny Mac, has reported that we are behind in our payments. We made the payments " On Time '' through XXXX XXXX and have the doc 's to prove this. This is the second time around for this happening to us. When I reach out to them they inform me that they have been placing our payments into a " Suspense Account. '' Why? It is as if they keep XXXX sets of books. XXXX that has the " correct '' information and XXXX that does n't. PLEASE! Investigate this issue because they are messing with our credit score, sending people to our home, as well as sending us notices that we are three months behind in our payments. If they are doing this to us then we are not alone in this mess! Thank you.