WillisBack/dataset-financial-user-claim huggingface dataset:
In  XXXX  I bought my home and I obtained a  1st and 2nd  mortgage. In   XXXX   I filed chapter  XXXX  and all my debts wer e discharged except for the 1st mortgage. The 2nd  mortgage that  Real Time Resolutions   XXXX   XXXX  tried to collect in my bankruptcy was  discharged.  The only loan that shows on the property as of today is my  1st mortg agee   XXXX   XXXX   XXXX  . There is no record of any other parties on this property  at County  records in   XXXX   XXXX  , Ca.   My son and I are in escrow to REFI th e 1st lo an and I was notified that there is a LIEN on my property by REAL TIME RESOLUTIONS INC.I called Real Time resolutions and they said I owe them {$180000.00} which was the amount due back in  XXXX . They told me also they are charging 10 % interest so as of today I owe them {$380000.00} and growing each day. They told me  Yes t he {$180000.00} was  discharged in my ch apter  XXXX  but they have the write to keep a lien on my property until paid. The company that filed the lien electronically is Mortgage  Electronic Registration Systems. I have attached information showing the Scam.  M.E.R.S. was formed by the banks to file electronic liens on thousands of bad loans and the homeowner has no idea until they sell or refi then the nightmare begins ... Please help me so we can expose this scam and put these guys out of business. Alot of people are settling with these guys please help us all ... ...
Today, XX/XX/2019 we used a service on our XXXX XXXX app called XXXX. We used it to attempt to buy concert tickets for {$150.00}. We foolishly believed it to be safe because it was offered through our own bank and was offered on the app as a safe and secure way to send money. Immediately after sending the money the person offering the tickets dissappeared. At this point we looked in to XXXX online and discovered the multitude of scams. We called XXXX XXXX and filed a claim but they said there really isnt anything they can do because we authorized the transaction. We tried to talk to XXXX and they said there is nothing they can do. I understand if we cant get our money back, but I find it shocking that they say there is nothing that they can do. I would think that they would want to try to track down the scammers and shut down their accounts. They didnt even bother to take down any information. If the scammers are allowed to continue to do this with impunity, it will just keep happening to unsuspecting victims. I dont understand why they wouldnt want to try to put a stop to this type of activity. Additionally, as a service that is provided through my financial institution and is touted as safe and secure I would think that my bank would want to make every possible effort to try to put an end to scams. They should definitely make it more clear that there is absolutely no protection, but additionally, they should actively try to peruse action against the perpetrators of these crimes. XXXX should be actively trying to shut down accounts of scammers. They should be attempting to prosecute these scammers. They should be tracking who is involved in these scams and they should be working to avoid letting them start new XXXX accounts. They certainly should not be telling people, This is your fault and there is nothing we can do.
I wanted to take a loan to fix my car from an online source called rise credit. I knew that the Apr. Is extremely high so I wanted to pay it back in 3 months instead of the 16 month schedule they offered. How ever, I still was being cautious and wanted to know what exactly would be due in total if it was only 3 months of interest. They explained that the interest will vary depending on the principle Balance and they would n't be able to determine how much would be left on the principle. I spoke to XXXX different agents and both gave me vague and round about answers and really were pushing me to take the loan " the interest will drop dramatically after the first payment '' but would not give me an amount. I told them on a XXXX loan I wanted to pay XXXX in 2 weeks, what will be the principal Balance? Would not say. Said they can not look that up. I think it is unethical to refuse the payment Balance on a schedule that the consumer would like to utilize. I did not go through with the loan because I am not in a position to get in an unknown debt total. What is concerning to me is the many people out there who are in a desperate situation and get pushed into a loan they can not afford thinking they can because they plan to pay it off fast but then end up in the black whole of debt. Rise Crdit needs to provide answers to questions about paying back loans.
XXXX XXXX XXXX is reporting my social security number associated with a fraudulent alias created by a financial criminal. The fraudulent alias, " XXXX XXXX, '' is associated with social security number and keeps getting reported by XXXX XXXX XXXX XXXX to Trans Union. By doing so, XXXX XXXX XXXX XXXX is effectuating financial fraud and permitting XXXX XXXX XXXX to commit financial fraud and identity theft against me.
XX/XX/2018 and XX/XX/2018 I spoke with some one in regards to options to repay the loans. The loans are under me and a co signer. I tried to explore options since the calls every 30 minutes on my voicemail stated there were other options available since the last time I spoke with someone. I called again and was not told any more options than what was previously mentioned. I asked if the loans could be extended out for payment and the representative was hesitant to say that was an option. I informed if I can not pay the entire monthly payment, why aren't all options being given to me. I know that the loan customer service representatives received a bonus initiative for getting payments over the phone and the higher the payment the more the bonus. Yet to not assist someone who is trying to explore options to pay is unacceptable. She was very rude making comments like " I don't like to give that option '' and a sarcasm " ok '' when stating the co signer is an XXXX year old man with no income when it was asked " what about your co signer ''. If it was easily obtainable for me to pay the requested amount, I would never call to explore options of payment. It is terrible that you get someone on the phone trying to gain a buck, not for the purpose of your sake but for their own. Then when I reiterated the person or someone calling me telling me there were other options and could even lower the payments ; of course there is no record of this. I was asked how much can you pay '' I stated the amount and " oh yeah no we can not accept that. '' You cant or just don't want to? I was told " you already have a low interest rate so I cant go any lower ''. last call in XX/XX/2018 I was asked to provide all the bills I paid with my income and when it calculated with about 20 dollars left. I was just told " oh well '', can you borrow the money from someone ''?. The statements that are made is unprofessional and inconsiderate.
On XX/XX/2017 I was a patient at XXXX Hospital ER in XXXX, Texas. My insurance card ( XXXX  XXXX ) clearly states that the co pay for ER is {$150.00}. My card was charged XXXX without my knowledge. ( I will address billing issues with XXXX XXXX separately ) I did not authorize this charge and did not sign anything. I have notified Barclaycard Visa of the situation as an unauthorized charge and an overcharge. I sent them all pertinent documentation. This is a complaint against Barclaycard. I also told them the address on my receipt did not match the billing address on the credit card and that the charge should have never been authorized. I have received communication from Barclaycard notifying me there is nothing they can do as I did not submit proof of an overcharge. They claim I authorized the charge, and I argue I did not. There is nothing with my signature anywhere. The Visa in question ends in XXXX. Barclaycard 's address is XXXX XXXX XXXX, XXXX, DE XXXX.Barclycard customer service is rude and not at all helpful on the phone.
Focus Receivables claimed to be my electric company and threatened to shut off my electric if I did not provide my credit card or a check over the phone in the amount of {$1400.00}. XXXX bill is paid up and I believe they are actually working for XXXX. Debt is only XXXX.
There is a paid lien ( XXXX ) on my credit report that has a redacted SSN. I've filed disputes with Transunion as well as sending them a certified letter for which I got no response. 


Included is copy of the lien so that you can confirm it does not meet the rules set forth in the XXXX XXXX XXXX XXXX ( XXXX ) that states liens must have a full name, address, SSI ( full SSI, not partially or completely redacted ) and/or DOB to be reported on any credit file. XXXX is the new guidelines they are to follow which went into effect for tax liens and judgements on XX/XX/2017.
In XXXX 2018 I received an alert from my credit monitoring app that my discover student loans was 2 mths past due. I immediately called discover and Notified them of the report. They said that was an error and their part and that the two loan amount were n't allocated properly. They promised they would notify the creditors. A week later it was reported that indeed the accounts were in good standing and never paid late. On XX/XX/XXXX I received another alert from my monitoring app that my student loan was 30 days past due. I have never paid late and they have continued to cash the checks I send every month. This has affected my credit score in the worst possible way. My score has dropped 70 pts which is crippling my ability to obtain any loans
On my credit report there is a line item under the section titled " Hard Inquiries '' from a Company called XXXX, dated XX/XX/XXXX ( to be removed by XX/XX/XXXX ). I had to look them up because they were the only hard inquiry on my report that I did not recognize. They turned out to be XXXX. I do not have any XXXX credit cards nor have I ever applied for any XXXX payment arrangements. I sent a letter to Equifax because my credit score is fairly low and any help that I can get will benefit me, but I have not heard back from them yet. Pease provide me with some assistance with this issue? Again, any help will be greatly appreciated.
Equifax mishandled my personal information, including my name, Social Security #, address, birthdate, etc., resulting in a data breach in XX/XX/XXXX/XX/XX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They have put me and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services.
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Experian In CFPB complaint XXXX and XXXX stated that XXXX XXXX XXXX which appears on Experians credit report with account XXXX ... had each time Experian contacted XXXX XXXX XXXX verified the debt and noted that I disputed the account. However, the fact that XXXX XXXX XXXX which lists a XXXX, XXXX XXXX MN XXXX and which the Minesota XXXX has confirmed that all mail to that XXXX is returned as non-deliverable lists an address identification number XXXX which belongs to XXXX needs to be clarified. This is the first time I have ever seen a company use another companies address identification number without authorization and suggests that XXXX XXXX XXXX does not have an address identification number with Experian which also would indicate they are not authorized to place any account with Experian. I have no doubt when Experian investigates the unauthorized use of XXXX XXXX address identification number Experian will delete this account from my credit report or at the very least provide and explanation as to why a company in Minnesota is using XXXX address identification number.
In the month of XX/XX/2018 I paid off two credit card balances, didn't close the accounts just paid the balances and the next day my credit score dropped 32pts. I emailed XXXX XXXX right away when I first saw my credit score had dropped.XXXX XXXX and I went back and forth between 8 emails and no one could tell me why my score drastically dropped. I proceeded to call all credit bureaus XXXX, Experian and I visited XXXX  still no one can tell me why my credit drastically dropped. Every factor each credit bureau ask me to consider or look at dose not apply to me. One factor was incorrect they said I have only had credit for 2yrs in fact I have had credit for 5 yrs. I have never had a derogatory complaint on my credit report, I have never missed a payment or paid a late payment on my credit report.
Complaint # 1 : In earlyXX/XX/XXXX, I requested an update to my monthly payments with Fedloan Servicing ( or Pennsylvania Higher Education Assistance Agency ). It took Fedloan 3 months to switch me to a new payment plan. In those 3 months, I was in forbearance, which meant I lost out on months worth of payments towards my Public Service Forgiveness Loan program. Please note, I contacted Fedloan before XX/XX/XXXX about updating my repayment plan. 
Takeaway : Fedloan Servicing purposely took their time to switch me over so that I would be in forbearance longer. 

Complaint # 2 : Following the update to my monthly payments, a " late/missing '' payment started appearing on my account homepage and I started receiving letters about it from Fedloan. When I contacted Fedloan ( because I 've been enrolled in direct deposit sinceXX/XX/XXXX, so how can I have a late/missing payment? ), I was informed that the payment update created a glitch on their end and that the " late/missing '' payment was incorrect and would be removed. That was in the summer of XX/XX/XXXX ; it is XX/XX/XXXX, the " late/missing '' payments are still on my profile, I 'm still receiving emails and now inquires about it when I call Fedloan. And when I do remind them that the mistake is theirs and should have already been resolved, I get the runaround. 
Takeaway : Fedloan Servicing incorrectly billed me for a late/missing payment and is incompetent in fixing their mistake. 

Complaint # 3 : In XX/XX/XXXX, a customer service rep informed me of the qualifying payments I have made towards my Public Service Loan Forgiveness Program. When I received the official letter from Fedloan, my qualifying payments were less than what I went over with the rep.I followed up with Fedloan, and of course, no explanation other than it would be put in review, which could take months to address. 
Takeaway : Fedloan Servicing is purposely and unprofessionally, reducing the number of my qualifying payment.
I had Identity Theft on XXXX XXXX whit US BANK in WA. someone start usying my bank acc. online. Frauds people get access to all my accounts like personal and business. I close accounts and opened new one. Banker sad it will be all good. But few days later find out some one use accoute again. I did it several times, and in same time I didnt use online bank, only branch. All this didnt help in my situation. Fraud people had my SSN, address, phone number and my date of birth, and all other info to verafite them self like my. I had tons of equires on credit report. Even up to ten aplication for credit in US BANK, and they ready knows about my situation. Finaly Im stop using US BANK and close all accounts, how I was thinking. I did claims whit banker in branch. It was many of claims, I didnt even count them. Get approvals on claims and some checks for it. I brought all check in same branch and whit banker deposited by accounts what they for. All this in XXXX XXXX. I know, I should have some left balance on some account, like my business credit card. We finded out Two balances left. Its my business credit card and PRIMIER LINE, that how they calling credit line attached to checking account. MIDDLE XXXX XXXX. In middle of XXXX XXXX I paid off balance on PRIMIER LINE About {$2700.00}. and keep paying for mu business credit card. Each mount i get statement for business card, but NON ONE for PRIMIER LINE. I think that was close and done. On XXXX XXXX trying to pay off my business in branch, finded out I HAVE a balance on my PRIMIER LINE  abour {$450000.00} and some late fee. From XXXX to XXXX nonone contact me and they had my info, because still own them on my business card. Banker of branch in XXXX, WA tryed help me. But nothing happened. Than manager get in charge. He called to his Boss about my claim and get refuse. Again all that situation come back to me. I did baches of calls to Customer service, just spend hours of my life for nothing. They just transfer and transfer you around and non of them can help, dont have access or power to look and talk about. Sins XXXX to XXXX XXXX XXXX i didnt get ANY letter about progress of investigation or review on my account or case. They spend a time on words. Now that account under collection. When I asked BANK to get me a proof of investigation and result on official paper, they dejected and refused. No explanation. Please help me to review all my accounts and find out where and how was formed balance on PRIMIER LINE. Need to review and investigate all accounts what was Frauded, because they was connected to each other on Online banking and been compromised. I hope you can help me to find the TRUTH. Thank you
XXXX  has been non-compliant with removing the unverified account XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Weve had this loan ( refinanced a couple years ago and the loan was sold to suntrust ) and hadnt had any issues until we signed up for bi-weekly payments. Since signing up the bank has had a hard time applying to money they take from our checking account ( we have automatic withdrawal ) to the mortgage. Twice they took the money and kept it in a holding account and then sent us a letter saying we were going to be late. We got that figured out twice. Then now I check the mortgage and the loan amount has gone up by {$1000.00}. Loans are suppose to go down. Well we had {$4000.00} in a holding account but their app was telling me that the payments were being applied. So now they have our money and are charging us interest on a loan theyre not paying. That is theft in my opinion. Weve had no-weekly payments set up since XXXX and have yet to have they payments applied correctly
I have a  XXXX   XXXX  charge off listed on my credit report.    XXXX   Purchased  my  XXXX   XXXX   XXXX  landline service. My payment went to  XXXX   XXXX   XXXX  but during an Audit  XXXX  identified my account as 180 days late from the Purchase date from  XXXX   XXXX   XXXX  to  XXXX    XXXX  .   They listed th e 180 lat e on my credit report.   I called  XXXX  and was on the phone with them for ove r 1 ho ur while they tried to figure out what happened. They confirmed they received the payment and was going to remove this from my credit report.   I get a new credit report a few weeks later and  XXXX  has changed t he Status to a Charge off.    I called  XXXX   XXXX  and they said the account is paid off and not a charge off but are not going to correct my credit report. The gave me a letter and told me to work with the credit bureaus. The Credit bureaus all said they researched the issue and confirmed from  XXXX  that it was a charge off.
I had a XXXX XXXX XXXX XXXX account that was opened in XX/XX/XXXX and paid in full and closed in XXXX XX/XX/XXXX. This account has always been paid on time. I viewed my Trans Union Credit Report and this account has some negative remarks.
1. XXXX Account : XXXX : Creditor appears to be re-aging this alleged debt. Reporting date of last payment is XX/XX/2017. The alleged debt should be listed over 180 days late and charged-off. Creditor is reporting erroneous information. 
2. XXXX Account : XXXX : Creditor appears to be re-aging this alleged debt. Reporting date of last payment is XX/XX/2017. The alleged debt should be listed over 180 days late and charged-off. Creditor is reporting erroneous information. 
3. XXXX Account : XXXX : Creditor appears to be attempting to collect an alleged debt they reported to the IRS as forgiven under XXXX. Creditor reserved no claim to continue attempting collection and referenced no other incident requiring an IRS notice. Either creditor gave false information to the IRS or is attempting to collect a forgiven alleged debt. Creditor is reporting erroneous information. 
4. XXXX Account : XXXX : Creditor appears to be attempting to collect an alleged debt they reported to the IRS as forgiven under XXXX. Creditor reserved no claim to continue attempting collection and referenced no other incident requiring an IRS notice. Either creditor gave false information to the IRS or is attempting to collect a forgiven alleged debt. Creditor is reporting erroneous information. 
5. XXXX XXXX XXXX XXXX : XXXX : Creditor appears to be attempting to collect an alleged debt they reported to the IRS as forgiven under XXXX. Creditor reserved no claim to continue attempting collection and referenced no other incident requiring an IRS notice. Either creditor gave false information to the IRS or is attempting to collect a forgiven alleged debt. Creditor is reporting erroneous information. 
6. XXXX XXXX : XXXX : Creditor is reporting incorrect invormation on the report. Debt amount is under {$20000.00}. 
7. XXXX, Trans Union, XXXX, XXXX : Each are under-reporting my on-time payments currently at 99 %. This specific reporting has a very high impact on my credit score. 
8. XXXX, Trans Union, XXXX, XXXX : Each are over-reporting my credit use, currently at 5 %. This specific reporting has a very high impact on my credit score. 
9. XXXX, Trans Union, XXXX, XXXX : Each are under reporting my available credit. 
10. XXXX, Trans Union, XXXX, XXXX XXXX Each are not reporting my XXXX XXXX Credit Card Account with an available balance of {$4000.00}. 
11. XXXX, Trans Union, XXXX, XXXX : Each are improperly reporting a Chapter XXXX Bankruptcy which was dismissed and filed nearly 8 years ago. THis should be removed.
We are receiving multiple calls daily from " Veterans Relief Services '' on phone number XXXX XXXX XXXX XXXX which are being placed by some kind of robocall dialing. They claim to be a non-profit organization wanting to help veterans refinance at lower rates. We informed them that we already have a low rate ( 3.25 % for a XXXX fixed rate loan ) and asked them politely not to call again. They have continued to call and are difficult to call back as their mailboxes are always full. I googled their website and the phone number the parent organization is listing online belongs to another unrelated business not affiliated in any way with Veterans Relief Services ( VRS ). They told me they are getting all kinds of calls from people who are angry because they are receiving robocalls from VRS. I suggested they file a complaint with the FCC. I am beginning to log their calls and making notes on my calls back to them and my request for them to cease calling so I can file an FCC complaint as well. I would never engage their services for a loan no matter how good the rates are because they are a nuisance and are illegally using another business ' phone number on their website. I strongly suspect that this is a phishing scam to get people 's personal and financial information. Beware!!!