WillisBack/dataset-financial-user-claim huggingface dataset:
We had suspicions charges on our checking account by a hotel that we stayed in using XXXX. We reported the claim to Bank of America. Bank of America 's investigation consisted of calling the thieves only. We had a call scheduled with BoA that XXXX was on with. BoA never showed up, and deducted {$900.00} from our account, ruling for the criminals. My wife had a XXXX scheduled for today that we are unable to pay ; we can not see if she has XXXX now. Our account is overdrawn, and BoA refuses to put the money back. We have XXXX XXXX and are unable to feed them. This is a life threatening situation that resulted out of BoA 's incompetence and cruelty.
I was on XXXX and wanted to make a large purchase with XXXX services but was denied
I expressed a dispute request by phone and in writing at the end of XX/XX/XXXX and XX/XX/XXXX that 2 student loans with XXXX are older than 7 years and should not be reporting. They were originated in XX/XX/XXXX and XX/XX/XXXX. I  disputed this twice, it was removed and Equifax erroneously placed it back on twice without notifying me within 5 days of reinsertion per FCRA guidelines.
My wife and I sold our home in XXXX and closed on XX/XX/XXXX. During this process we packed up and moved to XXXX in XXXX. We only to find that and everything was done electronically. A couple of days later we received monies owed to us from the difference of the sale of home and payoff. Sounds great right? My wife and I decided we wanted to buy a new home in XX/XX/XXXX, In doing so the lender ran our credit reports only to find that XXXX reported us 60 days past due for the months of XX/XX/XXXXandXX/XX/XXXX. How could this be we paid off our mortgage in XXXX. After making numerous calls to both title company and mortgage company we found that there was a shortage in the escrow to pay our property taxes of said home in XXXX. The title company received the payoff from the mortgage company and stated that it was good through a specific date which we closed well before that time. Both title company and mortgage company blames the other at being at fault but this does not affect them only us and our credit! We did however receive a letter from the title company explaining what happened and that it had nothing to do with a late payment. We requested XXXX to remove the negative past due on our credit reports but they refused. How can you be late on a house note that was paid in full and have paperwork to prove it? Also how can the new owners receive a clear title for their new home? We have since paid the {$340.00} to clear the escrow but in return would like to see our credit repaired. My wife has spoken with many different people at XXXX with one promise after another only to find out they were lying. We have proof we were never late on our mortgage, this was not our fault as we trusted both title company and mortgage company to handle the closing correctly. We have sold a home previously and never had an issue! XXXX has yet to return any of our calls. Unprofessional to say the least!!!
my boat trailer was stolen. I never received pink slip from old owner XXXX XXXX XXXX towed it. towing company hired credit bureau associate company to collect for storage fees old owner told credit company he sold it to me credit company changed his name to mine and never told towing company. towing company told me they sold the trailer and have no contract with collection company in my name. they say collection company changed old owners name to mine illegally.
Hello My son went to a fast med urgent care the medical insurance is under my name ( im the dad ) this it was placed on my credit report. This company also put it on my sons credit report as well which it should not be. I have been called daily looking for payment. On XXXX occassion i was told " you really should pay these XXXX bills {$54.00} and i believe {$110.00} other eise we will take our next step and go forward with legal action '' to me thats illegal to say there the lae firm of kross, liebetman & stone. I will proceed with a harassment and unethical collection practices lawsuit. What i would like to happen in order for me to not file a lawsuit and i will even resind this complaint i would like these XXXX medical items REMOVED from my son XXXX credit reports immediatly as its on my credit reports and can continue on my reports.
There was an unauthorized charge on our credit card XX/XX/XXXX for {$380.00} from XXXX XXXX XXXX ( XXXX MO ). We requested credit card co.to dispute the charge. It was denied because credit card co. received a ( false ) reply from XXXX XXXX XXXX. We tried to contact XXXX ( owner - XXXX XXXX XXXX ) via phone, email, mail, and fax. We never got a response and phone # was out of service ( since XX/XX/XXXX ). Credit Card company made contact with XXXX XXXX but would not reveal to us how. The fax # for XXXX would not work when we tried it. Her written reply that was sent to the credit card co. was that she had contacted us at XXXX on XX/XX/XXXX and we had authorized that XXXX charge. That was a false statement! We never spoke with them or gave them authorization for that charge which was beyond the 2-year verbal agreement made XX/XX/XXXX-XX/XX/XXXX for 4 payments. That XX/XX/XXXX charge was the XXXX payment. It was not authorized. Other local companies had the same issue with XXXX XXXX XXXX and their credit card company refused the charges for their account holders. The credit card company now tells us that after 50 days they will not reverse that charge. When we received the credit card company 's notice of denial of the dispute, it was already over 60 days then.
On XXXX XXXX, XXXX, I submitted a CFPB complaint against ECMC for fraudulently and illegally garnishing my wages ( CFPB Complaint # XXXX ). In response, ECMC never provided debt validation, posted my own Notice of Intent to Sue in place of an explanation and claimed that it was keeping the " trade line '' on my Credit Reports, even though it blatantly failed to abide by the FCRA, FDCPA and California XXXX XXXX. My credit report erroneously stated that I had a loan from the lender of " University XXXX XXXX XXXX '', which is not a lending institution, financial institution, nor bank. ECMC then claimed that it was collecting funds on behalf of the University XXXX XXXX XXXX, even though ECMC was not the lender, servicer, nor guarantor. I checked my Experian credit report on XXXX XXXX, XXXX, and I have found that ECMC no longer lists itself as a " trade line '', for supposed loans obtained in XXXX to XXXX, but now lists itself as a new loan originator, with XXXX loans originating in XXXX. I did not attend college in XXXX. I did not take out loans, and I did not contract with ECMC. I never received loans from ECMC, nor any organization affiliated with ECMC. It is clear that ECMC is insistent about wanting to take money from me, even though it has not met its burden to provide proof of the existence of a debt. They are engaged in illegally altering my credit reports, and they are actively engaged in fraud. Further, they contacted the University XXXX XXXX XXXX and requested my transcripts, which is a violation of XXXX. The college provided my Student ID number, all personal data, and grades. All of this happened months AFTER filing a CFPB complaint ( XXXX XXXX, XXXX ). I attended college 12 years ago, and I have never heard anything about supposed loans and never received any documents. The more information I give via complaints, the more ECMC chooses to contact additional people and agencies. I WILL NOT tolerate this financial fraud. My credit score and credit report are the lowest they have ever been ; this is due to the fact that with a 22 year credit history, I now have XXXX " new accounts '' that are XXXX years old and all adverse. These XXXX new accounts were just added after I submitted my XXXX XXXX, XXXX CFPB complaint. I have attached each of the XXXX new accounts listed on my credit report as XXXX files. The process of filing police reports, contacting various agencies, and initiating a lawsuit, are all very time intensive, and the lack of recourse for such blatant violations is astonishing. Even through the crisis of XXXX, I have never seen XXXX in this condition, and it is simply horrifying. How many times does ECMC have to be sued before this will stop permanently?
The collection company is falsifying info on my credit report. On XXXX/XXXX/17 they flagged a collection on my credit report as in collection. The status date was listed as XXXX/XXXX/17. On XXXX/XXXX/17 they flagged a collection on my credit report as unpaid, and the status date is listed as XXXX/XXXX/17! They are also reporting to all XXXX credit Bearus under different names, but the same account number, and same balanced owed.
Truck was picked up for voluntarily on XX/XX/2017. This still has not reflected on my credit and is still accruing fee 's, etc. This needs to be updated as a closed account effective XX/XX/2017.
For months now, I have been harassed by NP Group ( aka National Principal Group, XXXX XXXX XXXX NP ). They claim that I have an outstanding Payday loan which I do not have. More than a month back, after weeks of them calling me repeatedly throughout the day, I requested they send me proof of this alleged debt as I do not have an outstanding payday loan, which they did not do. Their harassment ceased for a few weeks after, though has resumed today. I returned their phone call and in trying to get the necessary information to file a formal complaint, the representative continued to hang up on me. I attempted several more times and upon one attempt, was being told that I would be transferred to their Consumer Affairs department and then was promptly hung up on again. In calling again to demand that they stop harassing me, their representative told me that he was " Not going to argue '' and that I should " Expect calls to continue '', and then proceeded once more to hang up on me. 

Today, I have filed complaints with the FTC and the XXXX. If the harassment continues, I will seek legal action. I will not be bullied into paying a false debt, nor will I tolerate being harassed by a company that refuses to offer any necessary information to prove their credibility. 

I can not attach any documents because the company has failed to provide me with any documentation on this alleged debt.
CONTACTED EQUIFAX FOR INQUIRY REMOVAL. ADVISED I WOULD NEED TO CONTACT CREDITORS DIRECTLY. DID SO CREDITORS NEVER RESPONDED NOR PROVIDED PROOF OF INQUIRIES. I WOULD LIKE THE FRAUDULENT INQUIRIES REMOVED ASAP.
We are going through financial hardship and we submitted a loss mitigation application in XXXX XXXX. The loan company is difficult to get a hold of. We faxed documents and we would follow up with a call and told application is in review, Then weeks later something comes in the mail saying " we are missing pg 3 & 4 '' we would email it to the email provided and no response. So finally we received a letter in XXXX XXXX saying loss mitigation application denied for not sending information timely. This is very frustrating we are now 3 months behind and can not get any help.
I tried to pay off my BANKAMERICARD secured credit card with my prepaid XXXX XXXX account but for some reason my payment got returned. As a result Bank of America blocked or put a hold on my account so that they could charge me a late fee for not paying off my balance before its due date. Every time I try to make a payment using their mobile app I get a message saying : Your request cant be processed due to account status. Please contact us for assistance at XXXX. And every time I call them their Bank of America representatives try to make me pay more than whats due.
In XXXX I was attending XXXX XXXX of XXXX XXXX. I had to take withdraw because of high risk XXXX and had daughter at XXXX weeks. I had been hospital bedridden since XX/XX/XXXX. 

Then they said I owed even though it was a medical emergency. Later they kept saying it was in forbearance until last year at tax time they took my whole refund causing financial hardships and making it difficult with credit scores, trying to get back into school etc. It seems the amounts change so drastically even when I made the payment required from my tax refund. This has so much strain on myself and my XXXX child who is XXXX. It 's too much.
For over nine months we were submitting documents to SLS for a loan modification only to be notified by a lawyers office that our home was in pre-foreclosure status. Not understanding how this could have taken place we tried to log into our online account to see if any updates or messages had taken place but could not, due to the fact they had locked us out of our account. Upon calling SLS for information regarding our loan status, we were informed that our loan was in default and if we wanted access this account and our home out of pre-foreclosure then we must pay approximately {$5000.00}. I asked SLS to explain to me how this happened and where did they come up with this requested amount, they refused to answer any of my questions. They also refused to send me any documents pertaining to this account. The only response I got from them was " you received no notifications on the status of your loan or modification status due to the fact you filed Bankruptcy six years ago. ''
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/XXXX ( XXXX & XXXX  only ) 30 days late as of XX/XX/XXXX ( all 3 Bureaus ) 30 days late as of XX/XX/XXXX ( XXXX  only ) 30 days late as of XX/XX/XXXX ( all 3 Bureaus ) I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.
I acknowledge receipt of JPM letter in response to claim # XXXX regarding JPM 's failure to disclose the type of loan they were granting and whether or not I had options. 
In search for reducing my monthly payments and since JPM was my current lender at the time after refinancing my loan in XX/XX/XXXX, I approached them to inquire about the loan rates ( since I had noticed that they had been going down ) and shared my need to reduce my monthly payments. I recall the rates to be below 4 % ; however, this was not granted to me indicating that they were not available or something,,,, Chase letter seems to indicate that they did a great job by reducing the rate ; however, in order to reduce XXXX bps of the rate, the loan term increased from 20 years to 30 years after having paid closing costs 2 years before as JPM refinanced my loan in XX/XX/XXXX. Original loan was obtained thru XXXX in XX/XX/XXXX. The loan amount also increased due to new charges,,,, all in all JPM fails to indicate that the refinance did not in effect reduce my debt but rather increased it in every way by total amount of debt and term! 
JPM failed to explain, at the time, that there was a special program from which I could benefit and/or I could go to a different institution. 
Although the documentation presented to me indicates that it was a HARP loan,,,, THIS WAS NEVER DISCLOSED TO ME!! 

I needed to reduce my monthly payments and accepted the terms because I WAS UNDER THE IMPRESSION I HAD NO OTHER OPTION,,,, should JPM would 've been forthcoming with the correct information, JPM would 've complied with its fiduciary responsibility to provide a non discriminatory loan which I certainly feel that it was not the case. 
Furthermore, the malice intent, in my mind, further lies on the fact that JPM 's representative continued their failure to effect proper disclosures by not even leaving signed documentation at closing and later continue to indicate that JPM does n't sell the loans only provide full disclosure of note holder when I press for a copy of the note. 
I have never been late with my mortgage payments and have always tried to pay extra in an effort to reduce the loan as much as I could, even during very financial difficult times. JPM needs to look at their records thoroughly. 

I do strongly request that JPM make it right by reversing the rate to what it should 've have been. 

I need copies of all the signed closing documents for this loan. 

.
XX/XX/XXXX I attempted to open an " American Express for XXXX '' prepaid card. During the initial opening, the address on my drivers license differs from my current address. The verification process failed and the card was closed. Unfortunately, I loaded the card with {$500.00} dollars during the initial sign up. To complicate matters, I used XXXX different credit cards to load this {$500.00} dollars, of which only XXXX is currently active. I have called and spoke with customer service XXXX a XXXX times since XX/XX/XXXX and have spent hours on the phone attempting to resolve. Each time I have been told I will receive a refund to the credit card still active. I have yet to receive any funds. American Express has held my {$500.00} dollar 6 months and I am beginning to feel as if I will never receive a refund.
On XX/XX/2016, I requested a wire transfer from my Bank of America account to XXXX hair cosmetics in the XXXX in the amount of {$330.00}. This was pursuant to trying to purchase products from this supplier online where my credit card would not go through so a XXXX representative emailed me and suggested I wire the money to them instead. The wire transfer was conducted at Bank of America, in XXXX, VA ( XXXX XXXX XXXX, XXXX, VA XXXX ). I then emailed the XXXX ( XXXX ) on XX/XX/2016 to inquire with respect to whether they had received the funds and they denied receiving the funds. I then went to Bank of America and Bank of America stated that the funds had been withdrawn by the XXXX financial institution on XX/XX/2016 and they gave me a copy of the transaction, to include the transaction reference number and the amount that the XXXX had withdrawn from my account. I contacted the XXXX via email on XX/XX/2016 with a copy of the bank documents verifying that the XXXX and their financial institution had taken the funds from my account. I asked for my money back and indicated that I had since purchased the products elsewhere due to their lack of responsiveness. The XXXX never wrote me back, they kept my funds from the wire transfer, and they never provided me with either the product or my money back. Please advise. Additionally, I have all supporting documentation on this. Thank you and please let me know what next steps entail. Thanks again.
I recently spoke with Transunion about the credit inquiries on my credit report that didnt belong to me. They mentioned there was a glitch with all inquiries being wrongly placed on all Transunion credit reports and could not assist me with the removal of the ones placed on mine. Please assist with getting these items removed. It 's affecting my credit score. I was not notified in writing that these things would be added back to my credit report AND THIS IS AGAINST THE LAW- YOUR COMPANY HAS BROKEN THE LAW!!!!!!!!! PER FRCA SECTION 611. 

XXXX XXXX XXXX, 2016 XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX XXXX, 2016 XXXX XXXX, 2016 XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX XXXX XXXX, 2016 XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX, 2016 XXXX XXXX
Mercedes Benz Financial Services services our loan for our Mercedes car. On or around XXXX XXXX, 2016 they upgraded their payment system and the system was down for several days. 
I made a payment on XXXX/XXXX/16 at mbfs.com. I checked the payment history and it shows {$0.00} principal, {$0.00} interest, and the amount I paid as " over paid '' for the past THREE MONTHS!! It does not even show the total remainder owed anymore. 
This is not acceptable for a lender, thus I am filing this complaint.
On XX/XX/XXXX, XX/XX/XXXX and again, on XX/XX/XXXX, I have written to Experian Credit Reporting Agency and requested they update the incorrect names and addresses they have listed on my consumer credit report.I have provided State of Florida photo identification, tax and other documentation attesting to my name and address. I have never used any aliases or lived at any other address, then the one ( 1 ) I live at : XXXX XXXX XXXX, XXXX, Florida XXXX. They have multiple names and addresses listed for me which are incorrect. Dealing with them, has been nightmarish. An effort in futility! My name is XXXX. XXXX XXXX. I have never used any other name, for any reason. Nor have I lived at any other address other than the one I mentioned above. I want Experian to delete the inaccurate addresses and names. Then mail me an updated copy. Thank you, XXXX XXXX XXXX.
I set up an online money transfer to my friend from  my Wellsfargo checking  account by using its  XXXX  function. On  XXXX  I got a letter from the bank informing me that " You have canceled a payment to ( my friend name ) ... '' which I never did. I am currently out of the country for business trip until  XXXX , so I had to make  three  international calls today (  XXXX  -  XXXX ,  XXXX ,   XXXX   XXXX   ) talking to  Wellsfargo  customer service and online fraud dept trying to find out what was going on.     I gave them my bank account, SSN, online banking user name and answered couple questions they asked, then I was told based on the information I provided the only way I can do is to go to  a Wellsfargo branch with my picture ID and then call them again. I informed them my situation ( out of the country until   XXXX   ) and ask if any other info such as passport/driver License etc. I can provid e to prove my identity or I can even go to the nearby  US Embassy if needed, however they insisted that the only way they can help me is that I go to a Wellsfargo branc h. I feel frustrated and asked for the info of whoever in charge of the online fraud dept or talk to different dept to solve the problem, however the supervisor (  XXXX ,  XXXX   )  told me their dept is the only one and they already put a notice on my account so even if I talk to any other depts they will transfer me back to online fraud dept, so the only way they can help is, again, go back to  US, find a Wellsfargo branch, show a personal banker my picture ID, and ask that  person to call online fraud dept.     Something wrong here. Understand that   Wellsfargo try to protect customers ' interest, but not no flexibility with rude attitude. If this is Wellsfargo policy, a wrong policy.
I will not stop my critical business trip to go back to US now just f  or a {$1500.00} online transfer. I will just use my account from another bank to do it. Yes, I will still go to a local  Wellsfargo branch after I go back to the States, but what I will do is just cancel all my 4 accounts with Wellsfargo.
"  XXXX  '',  ( along with  XXXX  & Experian ) has b een reporting completely FALSE information about me for months now. I have tirelessly paid off my credit card bills by at least 85 %, and they still have me at an ENORMOUSLY HIGH level of credit card use. This is SEVERELY HURTING me, as I have been trying to trade in my car, and should be AT LEAST  XXXX  pints higher on my   XXXX    Credit Rating.   They have a plethora of misinformation from my company being called  XXXX   XXXX  ( which Ive never even heard of ) to OLD ACCOUNTS that were discharged in bankruptcy YEARS ago and are suddenly popping up NOW. I have spoken to their RIDICULOUS and RUDE OUTSOURCED operators. I have sent them letters. And NOW I have spoken to the most powerful CLASS ACTION attorney in the country who agrees with me 1000 % on   XXXX   XXXX   UNFAIR and ILLEGAL business practices, as they are doing the SAME THING to 10 's of THOUSANDS of people. They transgress FAIR CREDIT REPORTING LAWS, AUDACITY LAWS, and a plethora of other LAWS ... THEY NEED TO BE PUBLICALLY called out on their unfair consumer practices and I believe they should be SHUT DOWN in entirety.     I sent the " Above '' complaint to the BBB ....   After ALL of that,  XXXX  NOW has created a NEW ALERT that I have NEW EMPLOYMENT with  XXXX   XXXX !!!! Was it NOT CLEAR that I have NEVER HEARD OF  XXXX   XXXX ?????   They are SO OFF and SO DAMAGING ...   I can not believe that they are allowed to RUIN my life in this way ... ..   EVERY CREDIT CARD is paid off.