WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX turned an account over to a collection agency named Caine & Weiner to collect a debt that I do n't owe and that was as a result of identity theft. I have made both XXXX XXXX and Caine & Weiner aware that this debt does not belong to me and was as a result of identity theft but both of them have ignored me. XXXX has had agents threaten me when I have called them to make the aware that this was fraud and told me that I needed to just pay it or that they would have me arrested. I have tried to have communications with this company multiple times but they continue to threaten me and intimidate me. The very same is true with Caine & Weiner there agents are also unethical, when I have called in to their collection agency to allow them to know that the debt they were attempting to collect was fraudulent, they have also threatened to have me arrested if I did not pay the debt that I have explained to them that I did not owe and was as a result of identity theft. I have been yelled at and cursed at by the representatives at Caine & Weiner. Both Caine & Weiner have told me that they plan to continue to defame my character and hold me liable for this fraudulent debt until I pay it.
Ocwen Loaning Servicing has changed their on line payment system. The system is down and is not working. There is no notice on the web site that it is not working. I attempted to make my XXXX payment on XXXX/XXXX/15, XXXX & XXXX but it failed. Using the customer contact email system, I wrote that it was not working, it clearly states that they would reply in 24 hours. No reply has been received back at this time. I have also written the Ombudsman and have received no reply back. My other complaint is they have change the terms on online payments. It states that you can not make a free online payment after the XXXX. The terms of loan agreement is the payment is not consider late until after the XXXX of the month. I am extremely dissatisfied with the service I received from Owcen and could only imagine how difficult they would be to deal with if I ever ran into financial difficulties
On XX/XX/2018 I tried to use the ATM and was notified that my account was in a review process due to fraud. Customer service ( chase ) notified me they had the right to not disclose anymore information and that my account would be closed in 10 business days ( they did not know 10 days from what day either ). On XX/XX/XXXX, my direct deposit from my employer came in ( I was not able to stop it from being deposited, in such short notice ). That day I called them because it was not being reflected in my balance and they told me that I had to wait 2 business days for them to review its validity ( which sadly was during XXXX when I needed access to my check ). I waited 2 business days since they promised that once cleared I can call them back for them to authorize a local branch to let me withdraw my funds. However, when I called again, On XX/XX/2018, they told me that the account was now in process of closing and they could not grant any branch permission to give me my money! Now I had to wait and additional 10 business days from check issue date to get my money ( I don't even know when they will decide to issue me a check, they don't know either! ) I am very upset, because to begin with I know they closed my account because I filed a claim with them due to their ATM eating my cash deposit on XX/XX/2018. The next day, they retaliated against me and closed my account. Giving me only 10 business days to change direct deposits and ACH/check debits from an account I have had for more than 12 years! They also chose the worse time of the year to do this and held my paycheck ( which is clearly legit money ) hostage for  so long. Now, I am short my whole paycheck throwing me off completely and not letting me pay my mortgage. They have caused so many problems for me because of their abuse of power. It is very unfair that they pick on common citizens like myself with no kind of remorse.
On XX/XX/XXXX, and XX/XX/XXXX and, XX/XX/XXXX XXXX/XXXX XXXX XXXX pulled my credit report for a loans/and OR, Credit cards for someone using my Identity to apply for a Loans or Credit. On XX/XX/XXXX I filed an Identity Theft report, and Police Report with my local police department XXXX XXXX XXXX police department, because I got alert that someone had opened, different credit lines in my name without me knowing. 
Someone was using my Identity to apply for loans and, lines of credit online. There were over seven accounts opened, and over 18 hard inquires. I reported everything right away to all three credits companys, XXXX, XXXX, XXXX,. A alert was supposed to be put on my credit reports for 90 days. 
From XX/XX/XXXX to XX/XX/XXXX. However, whoever is using my social security number has been still trying to get credit in my name. I spoke to ( XXXX/XXXX XXXX XXXX ) and they could not release information because some of the information did not match what I what information I had. 
However, they still put a Hard Inquiry on my XXXX, and XXXX credit reports. on XX/XX/XXXX XX/XX/XXXX and, XX/XX/XXXX a total of three times in a matter of a three-month span time. 
As of today, I have contacted Social Security Administration, and have a appt to get a new social security card this does not keep happening. This is affecting my credit and, I take my credit serious. I am shocked, and still shocked as, to how this is has happened, and it has taken me almost months so far to try and, clean up my credit report.
XXXX XXXX is reporting under the business name of BMW Financial to all three credit bureaus. This is causing a lot of confusion. Additionally, XXXX/BMW is reporting inaccurate information to all three credit bureaus regarding my account. I disputed this information and the inaccurate information continues to be reported. This serious issue has now caused me to lose a job opportunity and a chance to submit an offer on a home that was accepting highest and best offers by XXXX on Sunday, XX/XX/XXXX. I have an attorney that is willing to take this case on a contingency basis and will sue for punitive damages on my behalf since I have documentation of the loss and the accurate information. Negative marks were placed on my account only after I called in XX/XX/XXXX and spoke with XXXX XXXX in Collections to voice my displeasure in that XXXX/BMW would not extend deferments on payments to me for a hardship that I endured after my position was eliminated and subsequent job loss. I sent a fax with a letter of explanation and documentation following my initial dispute. I sent the fax on XX/XX/XXXX to XXXX XXXX, Special Accounts Support Specialist. I received a voicemail from XXXX, Customer Support Specialist on XX/XX/XXXX confirming that my faxed complaint had been received by XXXX and that she would reach out to me with further questions if needed. One of the incorrect items is a 30-day late negative mark for XX/XX/XXXX when my payments were deferred only after I was impacted by a natural disaster. I am hereby requesting that ANY and ALL negative marks pertaining to my lease with XXXX XXXX/BMW Financial to my credit report be removed immediately.
I obtained a payday loan from Speedy Cash on XX/XX/XXXX for $XXXXThey were to be paid in full as of XX/XX/XXXXThey were to be paid biweekly $XXXX until XX/XX/XXXX from XX/XX/XXXXThe first payment was successful in the automatic draft starting XX/XX/XXXXThe second payment was scheduled to go through on XX/XX/XXXX and I was short $10-$20 for it and the bank hit me with the NSF of $XXXX and then speedy cash changed the payment to $XXXXI had recieved my paycheck and made an independent payment of $XXXX on XX/XX/XXXX to cover a portion of my payment and some of what was still owed, however the payment processed and speedy cash still drafted automatically the payment of $XXXX which hit my account with another NSF as they had just been paid.They sent me to collections of which I explained they were paid on XX/XX/XXXX and they advised me to send in a bank statement even though they could see this payment and they were to follow up However they did not follow up and they drafted my account automatically for $XXXX - they were to be paid back in total almost $1000 and now a $XXXX loan cost me more than $1500on another occasion it was an emergency to do another payday loan while I was disputing this current one and while I have documentation stating the loan was paid in full I asked the rep behind the counter if this would be sufficient to show paid in full as they were paid cash and the rep said there would be no drafts from the account and again they drafted $XXXX  from my account.In total the payments they received total more than ever loaned and ever quoted to be paid back by more than $600as of now they are stating that I owe almost $700 - for what? a loan - not again
To Whom It May Concern, This letter is a follow up to my original letter dated XX/XX/XXXX and XX/XX/XXXX sent to Equifax regarding an inaccuracy in your credit reporting. I just received a letter from Equifax describing what inquiries are with no proof of my authorization of these inquiries, Specifically as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : 1.  XXXX XXXX XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX 3. XXXX XXXX XXXX/XXXX XXXX- XX/XX/XXXX 4. XXXX- XX/XX/XXXX 5.  XXXX XXXX- XX/XX/XXXX 6. XXXX XXXX- XX/XX/XXXX 7. XXXX- XX/XX/XXXX 8. XXXX XXXX XXXX XXXX- XX/XX/XXXX 9. XXXX XXXX XXXX XXXX- XX/XX/XXXX,XX/XX/XXXX 10. XXXX- XX/XX/XXXX 11. XXXX XXXX- XX/XX/XXXX 12. XXXX/XXXX-XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 13. XXXX XXXX/XXXX- XX/XX/XXXX 14. XXXX XXXX/XXXX- XX/XX/XXXX 15. XXXX XXXX XXXX XXXX- XX/XX/XXXX 16. XXXX XXXX- XX/XX/XXXX 17. XXXX XXXX- XX/XX/XXXX 18. XXXX XXXX- XX/XX/XXXX 19. XXXX XXXX- XX/XX/XXXX 20. XXXX XXXX XXXX XXXX- XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. )  Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl, XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : Better Business Bureau
Wells Fargo, formerly Wachovia MortgageBack in 2006, a XXXX year old XXXX and his wife received orders to XXXX for the XXXX leg of a XXXX. The housing market was HOT! They consulted various big lenders, and ended up buying a house for {$140000.00}, with an XXXX/XXXX loan through Wachovia ( Now Wells Fargo ). This was an alternate to a VA loan, but still 100 % financing. The second loan ( 20 % of the purchase price ) was going to be a highter interest rate, but it was a seemingly necessary program to do to buy a home in such a hot market. Three years later, the housing market went bust. Same year, the now new parents, received XXXX. They refi'ed the XXXX house, with the big mortgage loan being now 5.875 %, and the small, 20 % mortgage being a whopping 8.62 % interest rate. Now, XXXX in XXXX, the couple rent out the home in XXXX for a loss of about {$250.00} a month. 
This couple is my husband and myself. I have called Wells Fargo for years now, begging to refi the house. Interest rates are LOW now. Their response remains the same - They will not refi it because it is not my primary residence. But it is not my primary residence ANYMORE, because the XXXX had other plans for my family. I 've asked everyone there, every year, what I can do? Who can I call? The most definitive answer I have received from them is " just to short sale the home. '' Yes, they recommended to short sale the home. We do n't want to do that. It was our American Dream to buy our first home, and we did, proudly, and used nothing but American owned companies in the process. 
I do not want the home given to us, or defaulted on by us. I want a fair chance to refinance the home on FAIR terms. 8.62 % interest rate ( the small loan ) is far from fair. This company has made ENOUGH money due to the misfortunes of others. We have never been late on a payment, or never discussed foreclosing or a short sale. Unfortunately, nothing can be done until we receive orders back to XXXX and that can be our primary residence again.
I have an account with CreditKarma to keep track of my credit and accounts. In mid XX/XX/XXXX ( around XX/XX/XXXX as best I can tell ) my account was compromised and the person who accessed it changed the email and password associated with it. Despite the account being tied to my name, social security number, and info I no longer have access to it. CreditKarma not only did not provide the adequate protection of my account and data, they did not even notify me that my information had changed so I had no idea it had been compromised. 

I noticed this in mid-XX/XX/XXXX and reached out to CreditKarma for help. Despite multiple attempts to reach their support team and even tweeting at them I have yet to hear a response. Meanwhile fradulent checking accounts and credit cards have been opened in my name. 

CreditKarma has been irresponsible in their handling of my data and their ability to resolve this issue in a timely manner.
I have XXXX bad things on Regions bank that just not right. I still and have always had an account there for years. They gave me a line of credit that with my auto deposit they took it out each month. I just do n't understand. I am in great standing with this bank Regions opens in XXXX tn. Please help me resolve this and get my credit up. Also my insurance paid the outstanding bills. Thank XXXX
XX/XX/XXXX XXXX i was inquired by XXXX XXXX i have no knowledge of this such actions and would like if they were taken off my credit report .... i called XXXX XXXX they looked under my credit report and couldn't find it also..
Because each credit company will charge me each time I freeze/unfreeze my accounts and because I now need to regularly freeze/unfreeze my accounts because of Equifax 's egregious security failure/breach, I need a letter from Equifax stating I was affected by the breach, so I can upload it to Experian, who said they would provide me with freeze/unfreeze access for free for 5 years. However, when I went onto Equifax 's website, there is no place to request such letter and no email address or other electronic means of requesting one. I need this letter as soon as possible.
This complaint in in regard to another complaint I have open. This is how these credit bureaus try to slight people but this is fraud!!! This morning I received an email FROM XXXX stating that my address has been updated with them and to call the number on the back of my card if I did n't authorize this. I DID NOT AUTHORIZE THIS. I DO NOT HAVE A CARD OR ACCOUNT WITH THEM. THESE CREDIT BUREAUS are trying to use the address I provided them to update this account on my credit profile to claim this is me that opened this account WHEN IT WAS NOT ME. This is fraudulent! I do n't even know what address they placed on this XXXX account.
I have recently obtained a copy of my credit report. it showed a charge off by your company " Sync/XXXX XXXX '' that I do not recall. The last time it was reported was XX/XX/2015.
To whom it may concern, On Sunday  XXXX   XXXX  I reported to Chase Bank that my card had been stolen and fraudulent transactions had occurred without my authorization. The transactions that were a result of my card and pin number being compromised are detailed below : ATM DEBIT  XXXX   XXXX   XXXX   XXXX  - {$500.00}  XXXX  POS DEBIT   XXXX   - {$850.00}  XXXX  POS DEBIT  XXXX  - {$850.00}  XXXX   POS DEBIT   XXXX  - {$28.00}  XXXX  ATM  DEBIT    XXXX   - {$42.00}  XXXX   POS DEBIT   XXXX  - {$58.00}  XXXX  The last authorized transaction I made was at an ATM withdrawal for {$100.00} at  XXXX  at  XXXX   XXXX   XXXX   XXXX . That was the last time I saw and used my card, from that point on I was unable to find my card. I woke up and found that my card was missing from my wallet, looked around some, then checked my account to see the balance. Once I saw that unauthorized transactions had occurred I called chase claims immediately.   When I called claims I was incredibly distraught and overwhelmed by my account having been compromised and drained of all funds. I provided information to Chase claims based on what I assumed had happened with the card. My card was lost and somehow the pin number was compromised without my consent or authorization, so I subsequently filed a police report with  XXXX  PD regarding the illegal activity.   Chase Bank denied the fraudulent claim based on the information I provided them the morning of finding out my card had been lost. They believe that I gave consent and authorization for these transactions by giving my pin number to someone and then that person then making every charge thereafter which I disputed the following morning as fraudulent, when in reality, I was with someone at the time of my last ATM withdrawal, but this does not dictate that this person was absolutely the one who somehow retrieved my pin and then made the following transactions as cited above. Chase denied my claim when under the circumstances I should have been protected against this case of fraud because I did not make or authorize any of these transactions, nor did I give away my pin number with consent for someone other than myself to make transactions on my behalf.  <P/>  Chase  claim # :  XXXX  Checking account # :  XXXX   XXXX   PD   Debit Card fraud c ase # :  XXXX   XXXX   PD  Lost Property case # :  XXXX
I have submitted disputes with XXXX, and Trans Union, on multiple occasions and the bureaus keep reporting the account, XXXX XXXX # # XXXX as " correct, updated account. '' I filed a complaint the Consumer Financial Protection Bureau ( complaint # XXXX ) against XXXX XXXX, and they responded by stating, " The company responded that they are not the appropriate company to address your issue. '' Well if they are not the appropriate company to resolve my issues, then who is? I requested the bureaus to verify with the debt collector which is XXXX XXXX   that I owed this debt. If the credit bureaus were actually verifying that the information XXXX XXXX   was reporting back was accurate then why are they saying they are not the appropriate company to contact?

My credit reports from XXXX  and Transunion report as a charge off, not sold to anyone, only under the company XXXXXXXX XXXX! They are reporting that I owe {$5000.00} which I don't and they have never provided proof that I owed the debt. Apparently, based on their response to the CFPB this account is unverifiable and should have been deleted.
I am a XXXX, my wife and I applied for a mortgage loan, we got a prequalification letter from a cornerstone loan officer ( XXXX XXXX, Tx branch ). We went over the process, we provided all document asked from us in timely manner. After about 60 days from the time we got a prequalification letter, the loan officer asked for one last critical document the day before closing, again the day before closing and we provided the document within an hour, then the loan officer assured me that everything was looking great. The day of closing, after couple months, the loan officer calls and say that they ca n't give us a loan. Now, remind you that took her 60 days, in which communication was horrible, could never get hold of loan officer. I have emails, text messages to prove everything I said. Not only that, when I was trying to transfer the file to a different lender, it was such a hustle, after so many attempts in the phones, I had to drive to their office ( cornerstone ), loan officer did n't even want to come out, she sends the file with secretary, not even the whole file, most documents were missing!! 
Very stressful, waste of time, money and even health
I had a VA home loan with Chase. I had made every payment on time. We got a mandatory job transfer to CA and our child with XXXX needed medical treatment in California. We tried selling and short sale but could n't sell the house. In order to be considered for short sale or deed in lieu, Chase said we could n't be current on the mortgage. Once we went behind on the mortgage and moved. Chase keep transferring our paperwork between departments, losing paperwork, requesting paperwork we had already provided, etc. It took Chase a year and 5 months to finally say it was done. We now found out 3 years later nothing was recorded properly and it was still showing incomplete with the credit reporting agencies. I have been petitioning Chase to try to fix this and got some resolution. Chase now is reporting the Deed in Lieu took a year and reported us as behind the whole time. A law has been passed because of instances like this saying the process needs to be complete within 90 days. I have asked Chase to remove these late payments from my credit report and they refuse and have stated the process can take whatever time they need to complete it. I wish Chase had worked with us without forcing us to go behind in the mortgage and that the process was completed within a reasonable amount of time. Secondarily as I am looking into the laws on a Deed in Lieu it states that the lender can just accept the house in a deed in lieu and that the lender is supposed to negotiate this with the customer. Dealing with Chase was very confusing and they did take money from the VA and the deed to the house. As someone who served our country and is raising a child with a terminal illness I wish this had been more clear and that Chase had not taken my VA entitlement as well. I can provide more details on all of this if needed. This whole situation has been horrible and has affected me negatively much more than it should. Chase has even admitted they messed it up and were even showing incorrectly in some of their records that they had foreclosed on the house. I do n't think they even know what is going on with this account. I am trying to buy a house now in California and these issues are making it impossible.
I made a purchase on XX/XX/2016 in the amount of {$100.00} at a tabacco shop in XXXX, MN. The ecig was defective from the date of purchase. I contacted Capital One and did what they asked, but they never took care of the purchase per the cardholder agreement. I called back multiple times, sent images of the product and receipt, and did everything they asked. I have been trying to get this fixed for two years. I need help.
Chase is marking late for payment that are not late. They are cash payments made in a local branch. They are charging me erroneous fees that I never agreed or discussed.