WillisBack/dataset-financial-user-claim huggingface dataset:
I have sent in all documentation related to my identity theft case to Transunion. They are still reporting an account from creditor XXXX - XXXX that is listed in my police report and should have been blocked and deleted immediately. I have submitted my ID, police reports and affidavit along with my social security card and proof of residence.
I was naive about the information I submitted online believing as long as there was a lock locked where the website name was typed in that it was a safe and secure site. I was searching for a loan that I would be able to payoff in longterm small installments. I needed a loan to be able to have enough money to get into a new rental home. I being unaware that these companies shared sensitive information with other companies was contacted through an email that I had been approved for a loan of {$300.00}. I gave the site my name, social security number, my bank account number and routing number, even my online signature. I was then contacted by an employee who asked me to please go back as he walked me through the steps of repeating all of my private personal information as well as my signature again. I was under the impression that all that I would need to pay back would be {$390.00} total with interest but that I would be given adequate time to do so either in small monthly payments or after an adequate amount of time until I could pay it back in full. I was shown a payment plan that unless I paid the entire {$390.00} back within two weeks that I would become locked into a payment plan that would start with {$100.00} being the first payment due within the two week period of recieving the loan. Soon after another payment would be due costing me even more than the first payment and so on until I would end up paying around {$1600.00} or more total for a {$300.00} loan. I spoke to a man who is from Student Loan XXXX helping me with a loan in default from 1997 I still owe a very small amount on. I consulted with him about this loan I seem to be trapped in and he recommened that I contact my bank as well as you because he checked out the company and said it has had many similar complaints and that people like me fall victim to this all of the time not understanding exactly what they are getting themselves into and that I also need to protect myself from identity theft because these companies share your personal information to other companies. I was unaware that anyone but me could ever access and take from my bank account. When I spoke to an employee at my bank they recommended that I contact you first and that if anybody were to try to attempt to collect money from my account without my permission that I should then change bank accounts which would be extremely inconvenient but necessary if nothing else can be done.
My mortgage got transferred to a new company PNC Mortgage last month. Today, I called to verify that they have received my monthly mortgage payment. I called XXXX times to XXXX and each time the machine says welcome to PNC Mortgage than then HANGS UP THE PHONE!
All of my personal credit information including social security number was made public in a security breech of Equifax. This I understand to some extent - although a massive security failure, they are likely under constant low level attacks. However, what I do object to, strongly, is that I did not find this information out from Equifax. Instead, I had to find it through the media, more than a month after Equifax discovered the leak. This is grossly negligent of the company, as many consumers may find they have suffered identity or credit theft that could have been avoided.
My Barclasys JetBlue credit card is not counting credits ( returns ) that came in after statement closed but before payment for that statement is due against the total balance that is due. Every other bank and credit card that I have used ( all major banks and credit cards ) count the credit toward the current balance due. I feel like this is a bigger issue where they could be hitting customers with XXXX and needs to be addressed by the bank.
XX/XX/2018 A collection was populated on my credit report. 
I saw that this collection was removed last year this is actually the 3rd time this company has reinsterted a collection that was removed. 
They reinsert is by changing balance, original creditor and account numbers. 

I called XXXX XX/XX/XXXX regarding this matter. 
The agent claimed that they do not reinsert debts. 

I can clearly prove to you that they have indeed reinserted this not only once but this is the third time. attached you will see former credit reports. that show this account. 

Which they already know that this was my dads, and he had passed away. 
XXXX and their other Company XXXX is very well aware of this situation. 

I have submitted everything in the past I have also other certified letters from the original creditor the hospital that say that they have no record of XXXX XXXX that is writing this. 

I submitted a dispute with experian I also have a membership. 
I tried to dispute using my log in. It tells me to call. 
Somehow when I call Experian I am somehow rerouted in every way and hung up on. 

Please tell me is this intentional? Why do you all keep changing the account numbers balances and original creditor? If it was not intentiontional please remove. I understand you all are a business but I am a real person that actually has a dad that past away with the same name. 
Also this company you claim is original creditor has a website http : XXXX which is very strange because in my last complaint they had another website https : XXXX you will see the hospitals in attached. 

I believe this company is fraudulently pretending to be hospitals in order to allow consumers and credit reporting agencies to believe that they are authentic and valid original creditors. This is Fraud. 
I'm pretty sure XXXX does not know this but I am now totifying you. 

Wherever you are buying up this data is selling fraudulent information, Please see the attached. 
Last complaint with CFPB old credit report showing where this debt was reporting on credit report. 

My claim of it being re-inserted Showing what the original creditor said The collection agency saying they will remove it. 
Now collection company 's other name putting it back on Also The original creditor somehow has 2 different websites with different names.
I receive letter from Cedar Financial. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX ). In the letter, it shows that I made reservation on XXXX. I asked them send me the evidence. After I receive the page of their evidence, it show that is action by other person who lives in XXXX XXXXXXXX, CA, I don't live in XXXX XXXXXXXX, CA. I call them to dispute. Let them know they made mistake. And send a letter to me release me from this case. They say they don't send such letter. They don't want admit they make mistake.
Learn from me .... 
How does a car affect purchasing a home? ... Continue reading. 
Having my 3 year old car repossessed due to transmission failure XX/XX/XXXX and being XXXX with my third child in a little over a year from having my second was a surprise, shock and stressful time in my life. Little did I know the car situation was the start to a horrible dream in the making. Forward 7 years later and now being 2 years into making payments on that judgement stemming from the " lemon '' I bought I 'm paying {$100.00} a month a agreement myself and the attorney reached. Not having been late or missing a payment I now need this attorney to sign a subornation agreement so I can purchase a home. My lawyer has reached out to the attorney representing the car for over a month. After back and forth they agreed I would pay down the dept by me sending in {$1500.00} while still continuing to pay my monthly payments in exchange for the signed agreement. I have supporting documents. This lawyer has not been heard from since the check was sent certified funds to them. They wo n't respond to calls and messages. Now I 'm in the current week which they are aware, of my settlement and I have nothing. No signed agreement. My attorney has made them aware we need this letter a few days prior to closing to clear underwriting and yet we have 4 days until settlement and I 'm in limbo not knowing if I will be able to move my XXXX XXXX children from my sisters couches, who is XXXX to the home we fell to love. If I do n't get this letter I lose my deposit and the house. Worse is I still need the letter to purchase. I have done everything required within reason on my end. Now my families future is in the hands of an attorney who could care less if we make settlement. How is this right and constitutional?
On XXXX XXXX, XXXX Bank of America represented to me through the single point of contact that mortgage assistance and mortgage modification has been denied on appeal. On XXXX XXXX, XXXX the Appeals Department granted mortgage modification assistance through a mortgage modification program. On XXXX XXXX, XXXX the single point of contact represented to me - again, mortgage assistance and mortgage modification has been denied on appeal. The single the single point of contact continued to make this representation to me multiple times since then and to date. Additionally, I have never been provided any written determination on appeal by an Appeals Specialist of the Appals Department. Just to be clear, the single point of contact does not make determinations on appeal. 

Bank of America has intentionally, negligently, and fraudulently made material misrepresentations related to a mortgage or Deed of Trust as well as lie by omission ( withholding ) of material facts as to the true status of a mortgage or Deed of Trust and the loss mitigation process. 

An assessor 's parcel number, or APN, is a number assigned to parcels of real property by the tax assessor of a particular jurisdiction for purposes of identification, record-keeping, and ownership. To date, Bank of America has not associated and recorded any real estate document with my private property and home. 

After a new review of Bank of America issued documents, it appears that upon confirmation of receipt of both of my requests for mortgage assistance ( RMAs ) of XXXX XXXX and XXXX XXXX, Bank of America has done everything to separate me from my home rather than actually offer mortgage assistance as required and in accordance with the agreed upon court ordered terms of the National Mortgage Settlement ( NMS ). Bank of America continues to correct errors made known to them during the loss mitigation process. 

All previously mentioned resolutions for the injury and harm caused are desired and mandatory. 

I did not default on Bank of America XXXX Bank of America defaulted on me!
I first called to close my retirement savings certificate of deposit in XX/XX/XXXX. The interest rate was only 0.15 % and since I wanted money for home improvement, I decided to close this account. I was told first that papers would be mailed immediately but then, after being on hold for a long time, I was told to call back the next day as he had to check security questions. That afternoon I received a letter from Wells Fargo stating that my account was inactive because I had not called them recently. My account was set up to send a check each XX/XX/XXXX and I did receive one in 2018. I have never received any notification that I had to call them about anything. In fact, in the past they called me telling me I had to set up a checking account in the amount of {$200.00} in case of problems. That I finally got back after complaining a few years ago. On XX/XX/XXXX I called and spoke to another person and discussed the letter, the lies from the previous person and asked for the papers to be sent. He informed me they would be sent out that evening and by the time I received them and sent them back, my account would be active again. I called again today because I had not received the papers and I was told yet another story. The papers allegedly were sent out yesterday and would take up to ten days to get to my home, it would take 7-10 days to get them back and process them and then another 7 to 10 days for me to actually receive my money. I consider this a delaying tactic and yet another example of them trying to cheat me out of my money.
It all started late XX/XX/XXXX when I finally discovered that there were fraudulent credit card purchases made under my name. I was scared because the person that did it was my sister. I then told the Wells Fargo bank that I lost the card but in reality I wanted to get the credit card out of my sister 's possesion. A week after, I finally took the courage to go to my local police station to file a police report against my sister. Next, I went to my local Wells Fargo bank and reported credit card fraud against my sister, who happens to be a manager at Wells Fargo. I found out that this account was opened XX/XX/XXXX. That was a week after my 18th birthday and I was 21 when I found out about this fraudulent account.  The Wells Fargo bank then made their investigations. Months had gone by and I didn't receive an email neither a call regarding my fraud claim. I called the fraud team of Wells Fargo and they gave me the disappointing news that my fraud claim had been denied. They denied it because they said there was money being transferred from a saving account that I had no idea was under my name to this fraudulent credit card account. Once I found out about the savings account I decided to report that as well so the bank could see that I had no idea about that money being transferred neither this credit card. I got them to investigate again, but this time giving them evidence such as police reports, text messages between my sister and I, a letter proving of the places I lived, contact info of other victims, and bank statements. I did this so they could really see that I never opened that account and my sister was guilty. I also wrote them a letter to provide additional information. They called me to get further information. The fraud team of Wells Fargo wanted me to scan my personal information like social security. This made me think that they were getting the idea that it was a fraud. I called them to check the status of this fraud claim and they denied it again. Their next excuse was that there was no new information provided so they considered that I was the person who authorized those charges. That excuse really frustrated me and didn't make sense. I was feeling like they were protecting my sister because she is a team member of theirs. I also felt like they didn't want to own up to the fact that it was fraud because it could make their company look bad and mess up their reputation.

XX/XX/XXXX I sent a letter to the Credit Union explaining my situation of identity theft. They sent me a confirmation letter of certain items removed but they didn't remove the Wells Fargo account that is really affecting my credit. I am still getting notifications about late payments of charges that I am not responsible for. Around {$900.00} is owed for that Wells Fargo credit card.
I applied for HARP Ref using Quicken Loans. The HARP ref was approved. However, It is my understanding that MSHDA ( Michigan State Housing Development Authority ) has HARP grant program that would applied {$500.00} toward closing cost. 
With review of the closing cost, Quicken Loans did not apply this grant to my closing cost. HARP Refinance with XXXX XXXX XXXX | Mortgage Banker at XXXX Loan and he did not apply the {$500.00} grant.
I am unable to dispute existing collection accounts on my Equifax credit report because they have an incorrect name on my credit report, I had no success contacting them by phone and I do not feel comfortable faxing my information over to a company that will not take the appropriate steps to verify a persons real information before applying it to their credit report, effecting their lively hood. They are providing an inaccurate report which continues to negatively effect my employment opportunities, living opportunities, as well as my health as this has become a major stress added to my life.
Collection agency said account placed was cancelled and would be removed from credit report. It damaged my FICO score. It has been more than 2 weeks- I want this off!!!!!
I was told I could consolidate my student loans from XXXX to XXXX under Public Service Loan Forgiveness plan of 10 years maximum repayment, and I would be credited for payments that I previously made due to new program that began in XXXX XXXX. ( this is 3 years of payments ) The third party company is USA Student Loan, XXXX XXXX XXXX XXXX XXXX, XXXX FL Contact XXXX XXXX phone XXXX and XXXX XXXX phone XXXX. 
I paid a upfront fee of {$690.00} on XXXX/XXXX/XXXX, loan was consolidated but found out this service is free through XXXX phone XXXX, now my student loan has lost the benefits that I would have otherwise been able to utilized if I remained with XXXX, total loan consolidation is {$28000.00} of XXXX payments opposed to the XXXX payments XXXX XXXX told me during the initial phone conversation. I have left messages and sent emails and no one has returned my phone call. 
In addition I had to change usernames and passwords that were created on my behalf, I feel that my identity has been compromised and I have no resolution. In regards to the student loans I need to be assured my loan is the right plan and there will be not future negative impact to my credit and liens and or taking of tax returns due to defaults.
I have started this process in XXXX XXXX and as I write this letter there has not been any resolution. My husband passed in XXXX of XXXX. He tried for a modification and he died before any resolution. So, I lost my job in XXXX XXXX, and been trying to keep up, but found it difficult and started the process XXXX of XXXX of modification and assumption which customer service representative stated I could apply for, and I find myself hitting the same brick walls.. In fact, today I received a letter from the mortgage company threatening to foreclose on my property ( demanding all monies due on the home ). Although, the customer service representatives are telling me and have been saying that I am applying for modification, not to worry. Every time I have called there has been a problem with what was sent, even though it is actually what was asked. In the beginning I did not call on a regular basis because I thought that the mortgage company was working on my file. The customer service representatives told me it could take a couple of months. But as time progressed I became concerned and begin to call and found out that no one was working on my file because the documents I sent had expired. One particular incident stands out to me :. So when I called to get an update, the customer service agent I spoke to this time stated that my P & L was not signed, so this is why no one has looked at your file.I was told that my P & L statement was n't accepted because I did not sign and date it. I had called at least XXXX times prior and no on ever told me that this was a problem. In fact, I had to send another P & L because customer service stated the last one was outdated and still no one stated that I needed to sign and date. Are you kidding me!!! And this has been the story until today. I am attaching a portion of the correspondence that has been sent to me during the process of apply for an modification. I think my documents should be reviewed in a timely manner and someone assigned to my account should send me an update on a weekly basis.
my insurance company issued a claims check for damages from a hurricane Disaster. Wells fargo is my mortgage company. The check was to be signed by Wells Fargo and sent back to me so that I can start the repairs on my home. Wells fargo refuse to sign the check and insist that I allow them to assign me to a case worker to monitor how I spend the insurance money. The insurance company came out and investigate the property before paying on the claim. I don't need Wells Fargo to baby sit me. I have a major pluming Problem that needs immediate attention as well as some other things that need to be repaired. Wells fargo is refusing to sign my check they are insisting that I give it to them to put in an escro account and they disburst it as they see fit. I pay for my insurance and I need help now not when they feel like I should have it. I feel as though they are messing with me because I just recently filed a compliant against them for saying I owe them money that I know I don't owe them. Please Assist me with this matter. XXXX is backing up in my bathroom, I don't have time to play these games with Wells Fargo.. I also went into a local branch and the Banker tried everything she could to resolve this matter and she was told no one could do anything about this except for a XXXX XXXX XXXX, when she tried to contact him he refuse to talk with her. She also filed a complaint from the local branch. what I don't understand is why I need a case manager and why was this sent to the exec office. As I sat in the Bank yesterday I wittnessed several people get their Disaster funds endorsed with no problem. so my question is why do I need a sitter.
I was in a no fault accident. I was hit from behind in a 4 vehicle collision in XX/XX/2018. and the car was not driving as it should have commerce agreed to pay car off in full credit acceptance agreed to communicate with commerce claims to get money for vehicle and commerce is giving me a hard time with paying off car so now credit acceptance taking attitude out on me threatening me to take to court and ruin my credit. I received about 2-3 calls a week after I asked them to please stop CALLING ME I HAVE NO POSSESSION OF VEHICLE. XXXX XXXX agreed to pay off car so they need to deal with commerce I have not had this vehicle since XX/XX/2018. I explained manny times this has affected my health drastically and interference with mental health causing more medical issues because of panic attacks and harassment. I explained I get XXXX social security not working. They are inconsiderate and yell and argue with me like crazy people in Street. Unprofessional and inappropriate customer service. They always say OWELL YOU REQUESTED LOAN NOT US.
I contacted Bank of America that I wanted to cancel my XXXX XXXX branded credit card when I recieved my advance notification of my renewal fee. This was approx. 6-8 weeks prior to the renewal date. The agent assured me he would cancel my account. 

Instead, they did not cancel my card, and charged me the annual fee. When I attempted to contact them to discuss the issue on XX/XX/2018 between XXXX XXXX, they never answered the phone. I even tried to get help through their fraud department who also gave up on trying to get their own customer service department on the phone. Their website provides no online options, no addressses, nothing other than the phone no. that they will never answer. I spent a combined time of 1.5 hours on hold, attempting to get help. They never responded. I dont know what else to do. It appears that they are purposefully trying to avoid cancelling my account.
I bot Bitcoin in Coinbase. Before I deposit and buy Bitcoin. They never ask me document check. When I try to withdraw my money. They need me verify my ID. However, I tried to use my cell phone. My laptop, my desktop. My ID uploaded so many times, it is not working. They don't have physical address can solve the problem. Their chat is robot. Their tel number is robot too. They hold my money since XX/XX/2018 My point is if they can no allow withdraw. They can not allow deposit. They hold my money and extend the holding period. Now my money still can not withdraw