WillisBack/dataset-financial-user-claim huggingface dataset:
On Saturday XXXX/XXXX/2015 at about XXXX I deposited a check in the amount of {$5000.00} ( XXXX XXXX ) via the ATM at Bank of America branch at XXXX XXXX XXXX, XXXX XXXX, NJ. The ATM machine after several minutes gave a reading : " Item Rejected ''. After several more minutes waiting for further instruction or the return of my check ; I pressed the 'cancel ' option. the ATM machine made a processing sound and then went back to the BOA home screen. I called Saturday and was transferred to at least XXXX other departments. Ultimately, i was advised that the only option was to wait 10 days as the law permits them, whereby they would credit the {$5000.00} to my account. this is very fishy. I relied on their ATM machine for every external deposit made. I was told that I have not made deposits of that size prior. I ask what does that have to do with the bank holding up my resources? I informed them that they have a responsibility to me and they are not for-filling that obligation. I also informed that the ATM machine does not have a notice advising people to 'use at your own risk '. Finally, I have attempted to deposit a 'stale dated ' check and the machine rejected it and kicked it back to me. Please help to resolve this matter. If it is determined that BOA has deposited my check in an 'unknown account ' I am asking that they compensate me with triple the interested and benefits that they have acquired. Thank you, XXXX XXXX.
There was a preforeclosure on my home XX/XX/2014. The loan was subsequently sold to another lender and the original lender was paid off and the account was closed. I agree that the loan foreclosure proceedings started but did not complete and that that it should reflect in the history. However in the current status the loan shows as foreclosure. This is incorrect and should be reported as closed or transferred not Foreclosure as indicated on the report. I have submit documentation to both credit reporting agency XXXX and the lender and both seem to believe that Foreclosure is the correct status. 
While the loan transfer shows correctly with XXXX and XXXX, the mortgage company and XXXX refuse to either correct or delete the tradeline for inaccuracies. XXXX currently shows this as a foreclosure not a transferred loan. The notes are correct the current status of this Loan with LoanCare is transferred not foreclosure LoanCare refuses to update their or resubmit the appropriate code that shows transfer even though they acknowledge no Foreclosure occurred. LoanCare refuses to correct the report to show transfer closed.
I borrowed {$5000.00} from Springleaf Financial for 4 years at 25 % interest to reestablish credit. They are now showing my balance not the statements and my credit report to be {$9300.00}. I called to get an explanation and they claim that that will be the total that I pay should I pay it off in the time allotted. I explained that their reporting is incorrect, they should only be reporting the amount borrowed. I called to get copies of my contract on XXXX separate occasions and they still have n't sent those to me. You are only granted access to your loan documents online for XXXX days, after that you are locked out. They claim I signed something agreeing to my balance being over $ XXXX rather than the $ XXXX borrowed, I was never asked that question, why would I agree to that? When I took out the loan, the rep reviewed the paperwork on her computer screen and just ran thru the documents quickly, she later brought out copies to be signed and told me they were identical to what she had gone over on the screen. She also told me that the loan came with credit life, unemployment and XXXX insurance as part of the loan. It was presented as mandatory, turns out I 'm paying a fee for that as well,
On XX/XX/XXXX I filed a bankruptcy. On XX/XX/XXXX a fraud security alert had been added to my credit report without my knowledge. All I show on the credit report is the number security ID number, it is XXXX. It does n't show the name Of The security company. It may belong to XXXX. It reads Alerts & Validations. The spelling of my names before this last name change made by me with Probate Court. My last employer EIN number is XXXX XXXX XXXX XXXX. The last tax return I filed was in XX/XX/XXXX. It was an annuity, I had no income, everything was being taken from me. I filed {$19000.00} taxable income was {$9400.00}, exemption amount {$4000.00}, tenative tax {$950.00}. Tax withheld {$2700.00}.
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2017-30 DAYS LATE I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
XXXX has on my credit report date open from Wells Fargo on XXXX XXXX but first reported on XXXX XXXX and 72 months fin but on the other loan that was transferred open XXXX XXXX but first reported XXXX XXXX 72 months in which the loan was not finance on 72 or 73 months it was 60 Months There was no {$2000.00} written off as stated on my credit file. And how does the loan be transferred with out my consent or does the terms not match up the loan months. 

and on my credit file with XXXX XXXX there is a charge off of {$1900.00} XXXX showing. 
The months of the loan was wrong and there where the issue of the loan being transferred without my permission nor did I agree to any of the terms when transferred And why did the loan go so many years not reported as it is on my credit files but show up years later. all different dates. 
errors show on credit file XXXX/XXXX/XXXX delinquency 120 days but closed XXXX/XXXX/XXXX last payment made XXXX/XXXX/XXXX XXXX closed out Loan as not paid if there was a balance and if I never paid the loan why was the title mail out and the car was traded in. 
Wells Fargo does nothing but report wrong information and has all different amounts of years showing on my credit file.
I am disputing the US Bankruptcy Court of XXXX XXXX XXXX of California with their office and as well as the credit bureaus XXXX, Experian and XXXX. The XXXX major Credit bureaus claim that this is a verified account. And every time I go to ask the court if they have verified this account with the credit bureaus - they never answer my questions as to if they report to the credit bureaus or not. The court claims to dispute this with the credit bureaus and the credit bureau 's claim to dispute this with the courts. But neither one of these companies can tell me who verified this account, how it was verified.
Transworld systems is threatening to take my mom 's assets. We have Tried and tried to make a payment plan they won't help us. My mom is the co signer and I'm on the loan as well. They won't even talk to me after being very rude and threatening us.
I saw a hard inquiry on my credit report from someone I did not recognize nor ever did any buisness with its a fraud account open in my name.
I contacted this company via US mail in attempt to get them to validate this debt. The company has not responded nor provided debt validation. they have reported this account to all XXXX credit bureaus
This is a new complaint that is a continuation from a previous complaint that is still not completely resolved. Mr. Cooper explained and fixed the previous issue with my payments. However, in the process of the issue and because it took so long to fix this issue, several other problems have now occurred with my mortgage. 

Because my mortgage was left unpaid for so long even though I made the payments, it was put in a foreclosure status causing us to receive notices in the mail and letters from lawyers. Just when I thought this situation was resolved, I received an email from XXXX showing my own home for sale in a pre-foreclosure status!!! Talk about adding insult to injury after all of the other mistakes that have happened!! 

In addition, I found out during this whole process that Mr. Cooper paid my homeowners insurance and is now trying to raise my payments. They had no right to pay my homeowners insurance without asking me. Our HO insur. was on a automatic debit. I received a check last XX/XX/XXXX that said is was an overpayment of my Escrow. I thought they meant my property taxes since I was paying my HO Insurance on my own.
My wife and I had purchased a vehicle from a dealership, and the bank the they used has now refused to give us the Title, since a Medical condition caused us to falter on the last few payments. The bank in question has been playing " hide & go seek '' with the Title, using various other institutions as a penalty to us. I once told them to come and pickupt the vehicle, AFTER they made contact with me, but they didia random drive-by to try nd pick it up. When it was n't in front of the house, they then used this tactic as an excuse to with-hold the Title, and claim we did n't deliver as promised. I have multiple documents to demonstrate their devious tactics. The first company they claimed was holding the Title was the " XXXX XXXX, '' in XXXX, MA. Then when I contacted XXXX, they stated in an UNDATED letter that " XXXX XXXX XXXX '' ( XXXX XXXX, XXXX ) to make arrangements to return the " collateral. '' No mention of me acquiring the requested XXXX. The envelope is dated for XXXX XXXX, 2015. BB & T was provided with every piece of Medical information to demonstrate why my obligation to meet the payments were not met. Instead of obtaining the vehicle under professional and mutual means as I attempted, on numerous occasions, they instead started playing with my already XXXX and will, after the well documented XXXX ( " XXXX '' ).
I have come to find out that Palisades Collection, LLC XXXX has obtained a judgment against me that I never received notice to dispute, I called the Court and they say it was served to an address that I never resided at? How is this possible?
I am in the process of being defrauded by Paypal and XXXX bank. I signed on for a credit card with Paypal through XXXX ordering. My interest rate was reasonable low at the time. I believe it was in the teens. 
I ordered on it but got XXXX soon after. I was n't paying attention to my bill. I just charged and paid the payments. It was only when the payments escalated that I took notice. 
My statement showed that only XXXX dollars of almost XXXX dollars was going on the principalALL THE REST WAS INTEREST, I called Paypal and asked questions. I asked when was my interest increased that I was never given notice or I would have closed the account sooner. I WAS TOLD MY ACCOUNT WAS THE SAME ACCOUNT. I THEN CLOSED THE ACCOUNT AND SETUP A PAYMENT PLAN. I was to pay XXXX per month. I also on my own paid down XXXX to get the owed amount down much lower. I CALLED LATER AND TOLD PAYPAL THAT IHAD FOUND XXXX OF MY ORIGINAL STATEMENTS THAT SHOWED A DIFFERENT ACCOUNT AND THAT IS NEW ACCOUNT WAS NOT XXXX I SIGNED ON TO. 
They insisted that it was the same. 
About XXXX wks I started receiving calls with no person just a message to call GE. I did n't understand this because GE meant nothing to me. I did not say PAYPAL. 
I called and found out it was XXXX bank and they wanted XXXX dollars per month from me. I REFUSED. As this is a payment TOO LARGE FOR ME TO PAY. I AM A SENIOR WITH ONLY XXXX AND I CAN NOT PAY AN AMOUNT THAT LARGE AND LIVEI also think SYNCHRONY HAS NOT BILLED BE ACCURATELY. I THINK THAT THEY DID NOT PAY THE CORRECT AMOUNT TO MY BILL AS THEY CLAIM I ONLY PAID XXXX DOLLARS TO THE PRINCIPAL AFTER PAYING XXXX DOLLARS FOR OVER A YEAR. 
WHERE IS MY MONEY. WHERE IS THE XXXX DOLLARS PLUS XXXX PER MONTH. I also believe that XXXX NEVER ABIDED BY LOWER INTEREST RATE DURING TIME PERIOD. THE INTEREST CHARGED NEVER LOWERED. IT APPEARS THEY ARE HIGHER THAN EVER. EVEN WITH PAYING XXXX DOLLARS IN PAYMENT LAST YEARI can never pay this bill off. First of all I do n't feel I owe this amount. I believe I have been defrauded and am continuing to be harassed and defrauded even after trying to paY this fraudulent bill. I have cancelled all my future payment until this investigation is over. IT IS A WASTE OF MONEY AS LATE FEES AND MORE INTEREST ACCRUS TO CONSUME THE ENTIRE PAYMENT OF XXXX DOLLARS. THIS IS INSANE AS MUST STOP. 
I need all of my records to be produced and investigated. All paypal accounts. XXXX is buying up NUMEROUS COMPANIES and I believe that all manner of cross billing andfraudulent interest hikes are rampant. EVEN RIGHT NOW. PAYPAL IS CONTINUING TO HARASS AND BILK CONSUMERS. 
Something must be done. Even the FBI called in as these accounts are being altered online. 
I NEED HELP NOW. 
Sincerely, XXXX XXXXXXXXXXXX
Went to buy my son a car for his XXXX Birthday and they told me I had a XXXX score when I knew I had a XXXX score. 
Beknownst to me American Express had reported an account that was not one of my personal American Express accounts ( see attached ). 
Therefore I immediately contacted the credit bureaus and disputed this bogus XXXX delinquent/ in collection/ charged off, reported account. Then American Express responded to the credit bureaus dispute ... that not only that this XXXX account was accurately being reported but added another derogatory XXXX delinquent/ in collection/ charged off, reported account. XXXX, I 've had personal accounts with American Express since XXXX and NEVER been late with them let alone not paid them. Therefore please look at these XXXX accounts and how they are being reported. The obvious issues are as follows : # 1 = opening dates XXXX XXXX and XXXX XXXX, Lastly : # 2 = First reported dates XXXX XXXX and XXXX XXXX. So, for 10 and 8 years I 've never known or been reported to having these XXXX accounts, hmmmm????, enough said. PLEASE HELP! 
*This last week ... NEVER hearing from American Express about these XXXX bogus debts beside their reporting to my credit I received the " attached '' collection notice regarding that first XXXX derogatory account and again, " I 've never heard from American Express '' about these XXXX bogus accounts. I 'm truly perplexed especially because I have so much personal positive history with my legit accounts.
I sent my dispute letters to this company and havent received any feedback. I sent letters on XXXX XXXX, XXXX XXXX, XX/XX/2018 and XX/XX/2018 XX/XX/2018
Since XX/XX/XXXX I am trying to fix this account, my id was stolen with XXXX credit card, XXXX credit cards re-open my account with a different account # they used all my credit cards, XXXX, XXXX, home depot, sears, XXXX all my ID was stolen and used my credit cards I emailed many forms to office depot and I reported all the credit frauds to XXXX and credit cards company they still used my credit information as US citizen we deserve better protection I told them to put a fraud alert and to freeze my credit and they still used all my ID they did all the purchase and they even asked for ID when they were using my ID? I have all my statements the last statement dated XXXX XXXX I paid {$190.00} check # XXXX dated XX/XX/XXXX then I found out this was up to XXXX? these are unauthorized charges I called this XXXX I told them about the fraud called back in XX/XX/XXXX I wrote them a letter to get my balance and to report the fraud and never did anything see attached documents please i need help I was going thru a difficult divorce going to counseling taking my son to counseling and then I lost my job of 15 years then going thru a difficult divorce XXXX, I never had time to take care of this issue since I reported the ID stolen to experian and told them to put a fraud and freeze my credit and lost job never thought they were going to use my ID my social and my US citizen papers, I even wrote a letter to a Lady XXXX XXXX and talked to XXXX XXXX I think his last name is I do deserve better consumer protection. I will paid my balance but not for unauthorized charges when I told them to stop my ID my social etc.
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report  and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX, oh XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX
On Saturday XX/XX/XXXX I opened a checking account at SunTrust online. I then went to the branch inside XXXX on XXXX XXXX XXXX XXXX in XXXX, GA and deposited two checks totaling {$2700.00}. 

On Monday XX/XX/XXXX, I directed my employer, the XXXX XXXX XXXX XXXX to send my direct deposit payroll to the new account. And I set up a XXXX auto-withdrawal using the new account for XX/XX/XXXX. 

Unbeknownst to me also on Monday the XX/XX/XXXX the Suntrust fraud department decided to close my new account. I went on XXXX holiday in Maryland and New Jersey and did not find out about the closure until I returned on XX/XX/XXXX. In their letter they stated my funds should be sent in 15 business days if they are n't forfeited. 

I called the fraud department on the XX/XX/XXXX but they had no information except to tell me to visit a branch. 

I went to the Sun Trust XXXX, GA office Tuesday XX/XX/XXXX and the fraud department would n't tell them anything either. 

Of course my payroll check then bounced on the XX/XX/XXXXt and I had to get XXXX taken care of, but I really need to get my funds back from them. I had XXXX XXXX on the XX/XX/XXXX with a {$1700.00} copay and was counting on using that money to pay the XXXX.
I rented a car in XXXX, through XXXX XXXX XXXX, XXXX XXXX XXXX, for XXXX days. The vehicle was in terrible condition that it stranded my family in the middle of a XXXX with XXXX persons in the car. I returned the car to the agency after XXXX days of use and they stamped my receipt as XXXX days of use. Wells Fargo bank listened to the merchant and betrayed me, by paying the merchant all XXXX days, although I only used the car XXXX days. They listened to the merchant unjustly and sided with them. My life and my family 's life was placed in danger with this irresponsible merchant and now Wells Fargo 's lack of training of its Customer Service reps, did not look at the facts and lazily did not take into consideration the pictures, letters and docs that I sent them.
I was never sent a credit card bill for my purchases. Multiple months of late fees and interest accumulated. I finally found the bill as I was updating my address. Citicorp told me I placed a " cease and desist order on my phone number, which is untrue.
I paid a company called XXXX XXXX a total of XXXX between my Wells Fargo Visa and XXXX XXXX for services that were never provided. They were to teach us how to effectively sell on XXXX, set us up with drop shippers and create a website. All of this was with the promise that I would get my money back within one year. They never provided the website or any of the drop shippers. They did nothing to justify the money we paid. We had to pay another company for a website and do all of the stuff they promised through other companies. I was informed that I am unable to dispute these charges because of the time that has passed but I find that this is not an acceptable answer. This company has been paid a lot of money for nothing.
XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX S Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX XXXX Inquiry : XX/XX/XXXX All Banks XXXX XXXX   Inquiry : XX/XX/XXXX Automobile Dealers, New XXXX XXXX Inquiry : XX/XX/XXXX Never gave permission to run my credit, I was never asked.
Hi, i am in the process of trying to refinance my auto loan. i currently have a loan with XXXX XXXX and i noticed that on my XXXX XXXX account they list my loan and showed that they thought i could get a better rate if i refinanced. the XXXX XXXX  site showed several loan refinancing provider options. the first option they showed me was the lowest rate and monthly payment through a company called Rate Genius. i currently pay XXXX per month on a loan with 9.5 % interest. the Rate genius site offered me a loan at 6 % with a monthly payment of XXXX dollars, so naturally i went with that. i went to the site and filled out the application and i got an email back saying i had been approved and would be contacted by a representative. the next day i got an email from a company rep that again said i had been approved, but when i looked at the loan details, it was for a loan with 7.7 % interest, for 66 months, and a XXXX monthly payment. i wrote back saying that this was not the loan RateGenius said i was approved for and that i want the original loan i was approved for. they now have written me back again trying to get me to accept this not so great loan. it seems to me that maybe they are offering loans that people qualify for but then trying to switch the loan details to maximize their profit by trying to get people to accept loan offers that are not as good as they qualify for. even they are just offering me a revised loan based on my qualifications, the fact still remains that they led me to believe i was approved for a specific loan being offered and then tried to get me to accept a different loan. it seems pretty deceptive and kind of seems like false advertising.
I faxed an MIP Cancellation Request to Nationstar Mortgage on XXXX XXXX, 2015. I have been trying to call to confirm they have received the fax. I am unable to reach anyone in the company. I have called several times only to get automated transfers that consistently ask me for my personal information, only to hang up on me. I can not reach anyone in the Corporation.