WillisBack/dataset-financial-user-claim huggingface dataset:
I created a XXXX savings account after reading about it on XXXX. Account creation goes smoothly. After the account is created, in order to link my bank they make 2 small deposits. That step goes without issues. At this point I'm able to transfer funds into my newly created account. This is also when the problem arises. I make a XXXX dollar test transfer to see how long it takes. No issues. I deposit XXXX. No issues. I setup my cable auto pay for my cable company. When the date comes around and the XXXX account gets pinged for the money, it gets " paid ''. A day later my XXXX account is credited with those funds and I get a call from my cable company notifying me of this issue. 

This is when things go south. I call XXXX to find out more information. I am told repeatedly that my account was frozen and in order to unfreeze I would need to send a copy of my bank statement ( the one linked to the XXXX account ). That seems like normal procedure until I heard the email address. XXXX. Now I'm super sketched and on high alert. 

I wanted to know why this was happening. What caused it. Was there security issues I needed to know about to prevent this from happening again. I was informed that he did not have the answer. If he did have the answer he would not be able to give it. I would not be able to speak to anyone with these answers. He could not tell me how long the process would take to " unfreeze '' my account. At this point, I completely regret opening this account. I realize that I would have to go through this convoluted process in order to " unfreeze '' my account so I could transfer my money out and leave XXXX. 

I tried paying a cable bill. That's how all this started. But let 's say it was for something important or life threatening. I was emailed confirmation my bank was linked to XXXX. With no warning from XXXX, and not until I tried to access my funds, did something actually happen. Even then it wasn't until I called and dug around that I found this out. 

Also had I not have called in to find out I needed to send my bank statement, I was not going to be informed about it. But they would have let me to continue to deposit money. Live chat through their website gave me a similar answer. Call this number ( the one I called before ) to solve your issues. 

I go on XXXX and do a quick search about XXXX accounts. Within seconds I find a crap-load of others in similar situations as mine. I guess a portion of the blame falls on myself as I should have done more research before opening this account.
Company closed my account on XX/XX/2018 by phone. I then received a letter that it has been closed and was mailed a check for XXXX. Please tell them to stop contacting me and close my account as they said they did. I want to ensure they close it and stop bullying me or I will seek civil action.
I have tried numerous times to get this company to validate their claim that I owe. They are unable to produce any evidence that I owe them. I believe this account might be related to my ex-husband. I would like them to produce a signed contract or remove this entry from my credit report and cease all communication with me.
XXXX states that I still owe a debt - and still shows a derogatory status on my credit report when in fact they issued me a XXXX that I filed with my 2016 tax return which was then considered as income to me and I had to pay taxes on it. They have already written the debt off as a profit and loss and I have already paid taxes on whats considered income because of the XXXX. 

I have tried to resolve this matter directly with XXXX, Transunion, XXXX & XXXX. No one will remove this inaccurate information form my credit report.
Bank of America has shown XXXX XXXX XXXX XXXX late payments for XX/XX/XXXX 2013 and we have the proof from the account breakdown that the payments were made but improperly shown to various other areas in the account ... they refuse to take care of this problem as we have made numerous calls to the supervisor XXXX XXXX at XXXX ... w/little or NO results
Due to experience gross negligence I have 90 inquiries on my Experian report on XX/XX/XXXX I was looking through my credit report on experian.com and found 90 inquiries and a whole bunch of accounts that don't belong to me I tried to dispute them but they refuse to dispute called customer service and all they did was stall tactics I called him at XXXXXXXX XXXX. On a Saturday the stall tactics are so frustrating that I had to come here
There are addresses on my credit report that are not mine. Please remove the following address as they do not belong to be. I dont even understand how someone elses address could even come on my report. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA 3XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX  My current address is XXXX XXXX XXXX XXXX, XXXX, GA XXXX
I purchased my home in XXXX of XXXX. XX/XX/XXXX, I filed for a loan modification due to the fact my husband was unemployed as of XXXX, XXXX. I submitted all the required forms. No action was taken and my payments actually went up. They state they never received this. 
Since that time, I have tried working with this company while my husband had temporary jobs. I have called several times to make a payment or partial payment, with the rest payed on my payday. I was told that I needed to pay the full amount due right then. 
When I was told to use a bank check, they would send the check back to me weeks later and tell me that the total amount was due. At the present time, I had sent two bank checks totally about {$4000.00} to them, which they tell me they never received, but sent back two monthly payments, one before these checks and one after. 
They have left notices on my door as well as having someone taking pictures late at night of my house and vehicles. They are unwilling to work with me in any way. I have XXXX children and have tried working with them for several years. I would like to find another mortgage company, but they have ruined my credit, making that impossible.
Sent certified mail on XXXX/XXXX/2017 to debt collector asking for proof that I owe the collection that is on my credit reports. The company signed for the documents on XXXX/XXXX/2017, in which I informed them that I had no contract with their company and the collection showing on XXXX XXXX and XXXX was not mine and is a fraudulent account. This company did not try to communicate with me via mail and reported to the credit bureaus without following the rules pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809. This should not have been put on my credit without any prior contact. I have attached the letter that was sent to the collection agency to this complaint.
Company : XXXX XXXX/ Netspend Dispute Claim # XXXX Dispute Claim # XXXX I was hospitalized from XX/XX/XXXX until XX/XX/XXXX. I had filed my taxes and requested my refund be deposited on my account with the above referenced company back in early XX/XX/XXXX. While I was hospitalized someone stole my card and ultimately my identity and stole my entire refund leaving me negative. I learned of this theft on XX/XX/XXXX and immediately reported my card stolen and tried to log online without success at first due to my passwords being changed. My actual card was cut off and new cards issued. One card was issued to a man whom I don't know, but since have learned is currently incarcerated for credit card theft charges. This person received money from my account totaling at least {$2500.00}! 
I have filed identity theft report with the FTC and I have also filed a police report and a report with cyber crime unit. I have verified with the police that I was in fact hospitalized as to why I wasn't aware of the theft until now. I was assured that my funds were safe/insured and that I would receive them returned to me under these circumstances. I have sent XXXX police report and FTC report and within a few days was informed that my dispute claim # XXXX is closed and NO errors were found! How is my identity being stolen and in turn my funds totaling {$5700.00} being stolen not an error? 
Due to my last XXXX I have been left XXXX XXXX XXXX and must handle this matter via email. I am temporarily XXXX and seeking XXXX benefits and am financially unable to provide for my daily essentials because of this theft. I ask that you please help me in regards to this matter.
Forbearance in XX/XX/2009 with XXXX student loans lost my job and struggled to make payments. XXXX offered a forbearance of which I struggled to make payments. I made full payments on time for the 6 months of forbearance and was still charged additional interest. I was never given helpful information and asked several times for my massive mortagage payment of my student loans to be reduced. They said if I did n't make payment or went bankrupt they threaten to ask my parents for the payment. I feel this is unlawful for students to better themselves and I was taken advantage of. Do I have any options?
XXXX XXXX XXXX XXXX, contacted my relatives ( XXXX-party ) to contact me. They left a message with my relatives ( XXXX -party ) that if I do n't contact them I can go to jail. 

I believe they violated Fair Debt Credit Act ( FDCA ) which states the debt collectors or their representatives can not contact through XXXX-party ( Relatives ). Furthermore, threatening to take legal actions.
I have noticed that I have a hard credit inquire from your company on my XXXX XXXX  and XXXX XXXX credit file that I did not authorize to acquire. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC & 1681n ( a ) ( 1 ) ( B )  for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the understandable language of the law. 15 USC & 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer because of the failure or {$1000.00}, whichever is greater. I have filed a police report with the Sheriff 's Department XXXX XXXX XXXX on XX/XX/2018 with a report number # XXXX for identity theft, Name and unit of Reporting Deputy XXXX XXXX XXXX XXXX. This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated regarding this matter. Please contact me if you have any questions. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Email : XXXX XXXX
I have a mortgage with Ocwen, perfect credit history, zero late payments. About 1.5 years ago I received two threatening and harassing phone calls from Ocwen. They claimed my home loan was XXXX delinquent and demanded I pay it. I had no idea what they were talking about but was very concerned. When I called Ocwen to inquire about the phone calls, as usual no one spoke English, no one knew what I was talking about. They guaranteed me that my loan was in good standing and sent me a letter stating so. Months later I received a letter from Ocwen stating that they are now servicing an old line of credit which I had with XXXX and wanted to settle with me. Some history ; in 2007 when the real estate market imploded I suffered some credit issues but moved into a studio, rented out my luxury beach apartment and paid off every debt in ful., and managed to modify my loan. XXXX was the only creditor at the time, which refused to work with me on interest rates and or monthly payments. I was advised to not pay them any longer and pay off the loan when I sold the property, or settle with them at a later date. Fast forward, to the negotiations between Ocwen and myself, I made them a cash offer, everything I had in my savings at the time, and or I would pay the debt off in full when I sold the property in the XXXX. They claimed to consider my offer and would let me know. They did not consider my offer, nor did they let me know. Instead my own mortgage company, with whom I have perfect credit wrote the debt off without my approval, or without notifying me. I received a letter in the mail-no phone call or further negotiations, even though I had promised to pay it off in full. Later I received a XXXX, for which I have paid taxes, for which the debt has been fully re-conveyed but Ocwen is reporting me to all credit reporting agencies as an open delinquent account. Not only have they ruined my credit but I know very well they received bail out money from the US government, and they received MI on my debt with XXXX. So why would they ever want, or be inspired to " settle/negotiate '' with me the little tax payer? Ocwen is well known for being the worst offender in unfair lending practices, offshore files where no one knows what they 're doing or can speak English, they 're also the highest fined lending institution in the XXXX. They sold me out for XXXX, even though I had offered to pay it in full. I would like this fully researched and a complaint filed against them. This is a conflict of interest, why are they allowed to buy bad debts and XXXX their own mortgagees. Now the credit which I sacrificed for, moved out of my home to pay off all of my debt within two years, and refinanced my home -- -has been rendered un-creditworthy by my own lender which shows me XXXX current. Not only that but this blemish on my credit has impeded the sale/XXXX Exchange of my property in XXXX XXXX. Please help! This is the most unfair, unjust situation. How do we know that the loan they bought from XXXX was even applicable to being serviced by Ocwen. I 'd like that verified and my credit cleaned up, I want this debt off of my credit ASAP. Thank you for your consideration.
I am a veteran of the US Military and I have a XXXX since XX/XX/XXXX. My state recognizes that fact and allows me tax exemption on my mortgage. I recently refinanced with Freedom Mortgage in XXXX XXXX and did let the loan officer know that I was tax exempt but she did not include it in my paperwork, but as soon as I got the letter and the required stamp from the tax assessors office which was XX/XX/XXXX and my first was not due until XXXX XXXX, I call Freedom Mortgage and they advised me to fax them a copy of the letter I complied. Two weeks went by and I did not hear from them so I called back XXXX XXXX XXXX. I was told they did not receive my fax so I re-faxed the letter, at that time I called to verify that it was received, it was verified. From that point on I would call them every two weeks to get an update. I paid them the full payment to include late charges for XX/XX/XXXX. For XX/XX/XXXX I informed them that I needed this issue to be resolved because I am on a fixed income and could not continue making higher payments. XX/XX/XXXX I tried to make the payment anyway because I did not want a hit on my credit. I was told they would not take anything less than XXXX+ late charges. Unfortunately I could not afford the total amount and took the hit on my credit rating. I received a letter today showing that they made the adjustment for XX/XX/XXXX. but refuse to adjust for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I am now facing a bill for XXXX due XXXX XXXX XXXX, which I definitely can not pay. I am prepared to pay the adjusted amount for XX/XX/XXXX and XX/XX/XXXX, it seems only fair that the payment be adjusted since they received proof of the exemption, verified XXXX XXXX XXXX.
Incorrect information on late payment by XXXX was not corrected by Transunion as requested by XXXX. XXXX requested that each of the consumer reporting agencies to : " Delete the delinquencies from my credit report '' XXXX did as requested but XXXX and Transunion have not. This is my second complaint on this subject.
1 ) XXXX XXXX XXXX Credit Card is not reporting on all 3 bureaus and it should be. 

2 ) I have tried repeated times to get inquiries off of my report that I am not aware of. To make it worse some of those inquires show up multiple times on my credit reports on all XXXX bureaus. 

3 ) XXXX XXXX XXXX Credit Card does not show up on my XX/XX/XXXX report but shows on Transition & XX/XX/XXXX.
In XXXX I made a paypal transfer to a merchant, believing this was being correctly charged to my own account. I did not intentionally consent for PayPal Credit to take this charge. 

A couple of months later, I received a bill which is the XXXX time I was made aware that this had been charged to PayPal Credit. This was the XXXX bill I received and it included late charges. I called up and disputed this payment. I paid the full principle, but did not pay the late charge. 

Despite this, PayPal Credit continues to harrass me and add further late charges in violation of the court order on this matter XXXX civil case in Maryland XXXX. They also have taken to now calling my friends because I have blocked them. 

I believe their actions in not billing me properly ( waiting months to send a bill and _then_ adding late charges ), and continuing to add late charges despite my dispute is illegal. 

I paid everything I owed. The entire bill they claim I owe is due to their own illegal actions. 
I wish the company to acknowledge that I have paid in full, and cease harassing me. I encourage the Consumer Financial Protection Bureau to investigate as it appears that PayPal Credit is not adhering to the court order. I have attached a statement showing that they are continuing to add fees to a disputed transaction in XXXX.
Regarding breach of contract : On XX/XX/XXXX, I entered into a reaffirmation agreement signed by myself and the then lender XXXX, which was approved by a judge in bankruptcy court in Nebraska. The terms clearly state that as of the date of the new contract any fees were brought current and that the monthly payment included zero additional fees. XXXX allocated a separate fee for property taxes paid by them pre-agreement in XX/XX/XXXX ballooning my monthly payment from the agreed upon amount of {$480.00} to {$1000.00} per month. Subsequently XXXX sold the loan to Caliber Home Loans as of XX/XX/XXXX who inherited the terms of the reaffirmation contract, but have to date not correctly allocated the fees and additional administrative costs they have incorrectly applied. On XX/XX/XXXX a federal court judge and opposing counsel in a legal case I brought against XXXX confirmed that any amount demanded over the approved monthly payment of {$480.00} was indeed a breach of contract and that I could pursue a case in state court. I have spoken to Caliber about this breach of contract over the phone back in XX/XX/XXXX but to date they have not reconciled the account and have mis-allocated the lender advanced fees, administrative costs and deferred interest as it should conform to the reaffirmation agreement terms. Caliber is demanding over {$8000.00} in overdue fees to bring the account current by XX/XX/XXXX or face foreclosure. I was offered a loan modification by Caliber at 3.75 % interest which would have included taxes and insurance in the total monthly payment, but was unable to agree to it by their deadline of XX/XX/XXXX because the amounts listed are incorrect. I would like to have the benefit of a loan modification as I am currently unemployed. I have written Caliber requesting they have the contract reviewed by legal counsel and reconcile the amounts to reflect what they legally represent. If Caliber refuses to comply with the terms of the legal agreement then I will have to sue for breach of contract, but would prefer to set the record straight and move on with a loan modification that is based on accurate terms of the agreement.
On XX/XX/XXXX I made a transaction with Coinbase.com. I made each transaction of {$1000.00} to buy bitcoins. They promised money will be available to withdraw in 5 days. Since 9 days left funds are still not available to withdraw. Their telephone people are basically robots and they don't answer their email. That charged my checking account for {$1000.00} and I think I will never get it back. I also contacted my bank, but since it's a transfer they told me I have zero chances to get money back.This company is a scum since they don't communicate in any way. my account with Coinbase is XXXX. Thanks for your help. XXXX XXXX
On XX/XX/18 I sent {$400.00} via XXXX with Wells Fargo to someone by the name of XXXX XXXX at the email XXXX ( a friend who was registered with XXXX and he was not ), who claimed to have football tickets I was looking for, and he even emailed confirmation of the tickets, which I now know is fake. When I realized this was a scam, I called Wells Fargo and to my astonishment there is absolutely nothing they can do. I thought at the least they could dispute the transaction or file a claim. I feel very unsecure now with my own bank, and am at a loss as to where to turn. Being able to feel helped and secure by a bank is very important to me. I am just a have never been scammed before and being my first time, Wells Fargo has not be helpful in the least bit.
We went through the process of a loan modification, the loan was taken over by a new mortgage agency : Seterus. The loan Mod finished in late 2014, my x-wife has been making every payment via phone on her own initiation because Seterus did not file the account properly, they had it as a default on a loan and an ongoing debt not being paid. My x-wife and I had files all the paperwork with them and they do have it, every phone call they tell us YES we have the divorce agreement, we have the quitclaim deed, we have the loan modification paperwork but for some reason its showing a defaulted loan. They go on to tell us they will pass it up to another department to be changed to the correct form. In the meantime they are hitting both myself and my x-wife 's credit report month after month based on a mistake in their system. Now I 'm being harrased XXXX times a day by their debt collections department at XXXX, every month we go through the same process of telling them they have the correct paperwork and every month they tell us they do n't talk to other departments and they need XXXX - XXXX XXXX in unpaid funds, yet they see it was a modification and they have all the proper paperwork, and every month my credit reports are being hit with wrong information and my score is suffering terribly. I 've exhausted everything I can do to try and get Seterus to fix the files in their own systems. My X-wife recently told me that they had a debt attached to our name based on a property and address that we never resided in, we never purchased or had any loans toward and I still do not know what the resolution of that issue was.
Hi I have = Equifax credit bureau, plus = XXXX XXXX XXXX on = theft & fraud, Embezzlements acts on my credit reports, on Equifax I sent for the reports to be mailed 2 times, plus, called up to 4 times ordering my credit reports on = these crimes = never got any mail Docs, in mail at my moms house = this is from the groups that are stealing my mail, XXXX, calls, etc crimes = with my = DA, victims crime bureau case court trials, on Equifax theres lots of accounts please verify and collect my legal owed money on, plus Banking, On My = XXXX XXXX there is a major mess on a groups, XXXX & Thefts, Embezzlements, and XXXX XXXX XXXX, tradings, etc Up The walls on some group took over my full credit XXXX XXXX  and what am I to think about = clarity to XXXX XXXX Equifax, you have my permission to receive these Docs and Collect whats Legaly Owed, plus Banking will be sent separately Today, I do n't need a mess waiting on these financial losses from past to now please, legaly state with Co, XXXX Please all of them, speedy timing acts on all thankyou by.