WillisBack/dataset-financial-user-claim huggingface dataset:
To whom it may concern, Our family checking account at Citizens Bank was rubbed for {$26000.00}. 
Some person cashed out fraudulent check at some bank in Connecticut and Citizens Bank authorized transaction. Citizens Bank cleared fraudulent check without our signature and let some XXXX receive {$26000.00}. This check does n't have XXXX names in upper left corner ( only XXXX ) as it suppose to have, does n't have our signature and signed on back side by XXXX XXXX. We do n't know what is this XXXX XXXX and how this transaction possibly allowed by Citizens Bank. We have filed complain at Citizens Bank Claim Department. But more than two weeks after it happened we can not get clear answer why this transaction allowed to happen in first place when our case will be resolved and we will be able to get our money back. 
We hope some one can help us to resolve this issue, so far it feels like no one in Citizens bank willing to do it. We are about to loose our trust to banks. 
Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Citizens Bank Account No : XXXX Claim No : XXXX Amount claimed {$26000.00}
I have been cleaning on my credit for over XXXX years. I have made all payments like clockwork to repair my credit after our crops failed and lost our company. I found a few errors on my report such as a noticeable XXXX XXXX XXXX stating that I opened and account in 2012. I did not. But, Equifax claims that it investigated. Funny how they ruled for the collection people in every case. Please help
Chase Bank closed out my savings account without even notifying me. I am now in fear that they will do the same for my checking account. I went to a branch to ask why was my savings account closed, and I was told that it was probably because I was n't using it, which is not true. I have also observed that regardless of the fact that when I opened the account, I used one of their coupons, not only did I ever get the amount on the coupon, but I was told that I do not qualify for it AFTER I signed up and changed my deposits to go to JP Morgan Chase Bank. I do n't know if they use these as bait for people to join the bank. 

I was also informed, the day that I opened the account, that since I am a military veteran, that I would qualify for benefits, such as not having to pay the fee for Cashiers Checks..they have so far honored that. However, I never get reimbursed for any of my non-chase ATM fees, which was something that I am pretty sure the banker told me was a perk for military veterans.
I saw in my credit report that is from 'Trans Union XXXX File Number XXXX, report created date XX/XX/2015I had never owed to XXXX, XXXX and Original creditor XXXX, I had never paid to anything to collection. This balance paid on time to original creditor never late. So my credit report has incorrect information.
In XX/XX/XXXX I applied for all three credit reports from " XXXX '' which included XXXX, XXXX, and Transunion. I was only able to receive the report from XXXX. As a California   resident, I called to register a complaint with the proper agency. I also downloaded the form to mail a request with proper identification evidence and submitted same to XXXX and Transunion ... .both initially declined my request citing evidence was inadequate. I finally received a report from XXXX after complaining to the agency in California ... but received nothing from Transunion. I then called Transunion and after satisfactorily proving that I was indeed, XXXX XXXX XXXX ... they still insisted that I submit new evidence documents to receive a report by mail. I blew up and told them that was XXXX as they knew who I was at that point..finally they agreed to send a report by mail which I received last week. Four months after embarking on a quest to receive my annual credit report free from XXXX, XXXX, and Transunion. My main complaint concern is with XXXX as two of the negative accounts in collection have already been removed from XXXX after I submitted information that they must be deleted. I registered a formal dispute online with XXXX which was supposed to be completed by XX/XX/XXXX. After checking with XXXX no results were posted, although the date of XX/XX/XXXX was still listed as the date investigation results would be posted. The disputed accounts are ; 1. XXXX XXXX XXXX XXXX collecting for XXXX XXXX XXXX XXXX Amount {$2100.00}. 2. XXXX XXXX XXXX which was removed as " not my account '' from XXXX. Both these should be deleted. A third account XXXX XXXX XXXX is currently in dispute under 2 prior complaints with this agency.
On XXXX XXXX, XXXX I spoke with a agent at XXXX XXXX XXXX regarding a bill that was on my credit report. I told the agent that the XXXX bill in the amount of {$820.00} was done fraudulently and that I did not authorize anyone to use my name or social security number. I did ask the agent if she had a signed contract from XXXX on file and she stated that she did not. After going back and forth with the agent she agreed that she could not verify the account was mine. So she stated that she would send a deletion letter to each credit bureau. The account was deleted from my credit reports however 15 days later I received a letter stating that I had to contact the company back via phone or mail within 30 days asking for verification and if not they would replace the same XXXX account back unto my credit report. When I spoke with the agent on XXXX/XXXX/XXXX she stated that she could not indeed verify the account was mine and then days later they are sending out more letters asking me to ask them to verify the account again. If they could not indeed verify the account the first time, why would I send a letter or call them again for the exact same thing. I am contacting the CFPB because I do not want this account placed back unto my credit and I am having a hard time with this company and its unprofessionalism. The entire time I was on the phone with the agent I could hear others in the background laughing and at one point I heard very vulgar music playing. I 've attached a copy of the recent police report that was filed in regards to the XXXX Account.
Hi, I wrote a certified letter to Navient telling them to no longer contact me, or anyone else associated with my student loans, by phone and that they needed to send all information to me by mail. They did that for a while but I recently fell a little behind on my loans and they started up the calls again from a very unknown number. They also called my father, who is a co-signer on XXXX loan. They called an spoke with him and, of coure, were very rude on the phone. He is a retired veteran and does n't need that kind of XXXX. Not only did I send a certified letter but I have reminded them on multiple occasions that they are not allowed to call him or myself that they need to send everything in writing. They harass their borrowers and that is why I do not want to speak over the phone. I was told by a Navient representative that that does n't apply to them, that they are allowed to call me. Is this correct? How are they able to harass my father and I whenever they want?
Small Business account with Wells Fargo CLOSED on XX/XX/XXXX Credit Card was " frozen '' in XX/XX/XXXX to prevent any charges to be authorized during close down of business. All vendors/final payments were made by check. 

XX/XX/XXXX received call from former partner that was removed from all accounts with the business and wells fargo that he had received a collection letter for a debt in the amount of {$940.00}. 

We and the former partner contacted wells fargo and they stated a charge had been placed on the account. 
We also received the same letter the following Monday. 

Went to branch on XX/XX/XXXX met with representative. He stated to me that 1. The former partner was never properly removed from business accounts and that's why he was still getting letters. 
2. Stated to me that the account still showed " frozen '' /Authorization prohibited 3.  Checking account was closed for business, however bank did not close credit card account. 

XX/XX/XXXX Case sent to resolution department XX/XX/XXXX Received call from resolution team representative stating the account had been properly closed and none of the parties were responsible for debt. 
A letter would be sent out stating all discussed XX/XX/XXXX Called resolution team representative due to the fact I had not yet received any letter confirming above information. 
Rep stated they had just received all final approval that we are not liable for the business debt. 

XX/XX/XXXX All parties received collection letter stating debt was now {$1000.00} XX/XX/XXXX Finally reached representative that was handling our account stated to disregard the collections letters ; that it had been sent before resolution team could get with collection department stating parties not liable for fraudulent debt. 

XX/XX/XXXX Letters received stating above information. 

XX/XX/XXXX Received phone call from Wells Fargo debt collector stating debt was still being collected and the amount was {$1300.00} XX/XX/XXXX,XX/XX/XXXX Spoke to representative in the resolution department. I was inquiring to speak with the Loan Administration Manager that had signed the letter to determine why we were still in collections and being contacted by collections department. 
I was told the manager ONLY SIGNS LETTERS. Will not look at case or speak to customers. 

XX/XX/XXXX Spoke to different representative. 
She stated that even though the debt would not be the responsibility of the individual but would be that of the business. 
We explained AGAIN that the business was closed over 10 mths ago. There is NO MORE BUSINESS. The accounts were closed. The charge was made fraudulently because the accounts were CLOSED. 

This concludes notes to this point. Please contact me for full report with names, locations and real documentation of everything mentioned above. 
***I have a full 3 page report with names, location of branch, case numbers, etc.
The department of Education started garnishment of my employment wages for {$12000.00} XX/XX/XXXX I do not accept the debt under proof of claim the department of Education have not produced any original documents that I signed as proof that I owe anything I contacted the department of Education on XX/XX/XXXX to find an {$8500.00} balance and more uncooperative conditions by the department of Education I tried to stop further financial damages I coresponded certified mail an overpayment of {$15000.00} to cover the balance, processing and administrative fees payment was kept by the department of Education but the account was not credited garnishments of my wages still continue rendering bad credit reporting to the Credit Bureaus I coresponded by phone to the department of Educations collection agency stating I shouldnt have to pay a debt I dont owe unless hard wet ink evidence is provided not a fabricated copy nor should I have to continue to pay a debt I already paid in full the collection agency forwarded me to the department then I was forwarded back to the agency followed by coresponding a letter from the department limiting my communication to the third party collection agency only.
I recently conducted a review of my credit report, and I noticed that your agency showed XXXX ( XXXX ) and XXXX XXXX XXXX credit hard inquiries without my knowledge. The unknown and unauthorize hard inquiries in question was apparently made by XXXX ( XXXX ) on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. An unauthorize hard inquiries by XXXX XXXX XXXX on XX/XX/XXXX, and XXXX XXXX, XXXX. I have not informed or recalled of any association with these company. I have contacted XXXX, and XXXX XXXX XXXX   and requested them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and proceed necessary steps to resolve the issue. I wanted to contact all the credit agency as well, just to make sure the issue would be resolved immediately.
Received a collection bill from Credence Management LLC stating they collecting on behalf of XXXX XXXX XXXX. These collections from Credence Management LLC was on behalf of : Creditor : XXXX XXXX XXXX Creditor Account Number : XXXX Credence Reference ID : XXXX This bill is for an XXXX over 2 years ago ( XXXX 2014 ). I have lived in my current addresses for years and I never received an XXXX bill. I contacted my insurance and they stated all XXXX cost share/co pays paid by me is {$0.00} and any and all payments have been paid to by insurance company with an outstanding balance of {$0.00}. Multiple attempts were made by my insurance company to contact both Credence Management LLC and XXXX XXXX XXXX, but both companies refer to the other. Both companies did not give given sufficient information, or correct information or cause to my insurance. My insurance is confused and she never dealt with this type of side-stepping before. I also tried to call the phone number listed XXXX, but this number is transferred to an offshore location ( XXXX ). I could not get a clear picture of what was going on from the person and they transferred to his management. After waiting for an extended period of time, I hung up. 

I sent a certified letters ( to XXXX Credence Management LLC locations - XXXX, XXXX and XXXX, XXXX ) ), per their instruction, stating I am writing to dispute the validity of this debt or any portion thereof and request a copy of this debt or judgement. 

There is something strange/fishy going on here. I feel they are trying to phish for information and/or receive money that I do not owe.
To Whom It May Concern, I 'm filing this grievance against Select Portfolio Servicing ( SPS ) for failure to record new terms to my loan with XXXX XXXX County records. A loan modification is a permanent change to the loan terms and I 'm seeking to reduce the possibility of future issues in the event that my loan is transferred to a new servicer. Primarily I 'm concern here is the fact that I 'm reassuming a debt that was previously discharged in XX/XX/XXXX prior to completion of a loan modification on XX/XX/XXXX. 
Per the California Bill of Rights it is required that lenders record loan modifications. 
A recent decision by the XXXX Circuit Court of Appeals underscores the critical importance of timely recordation of mortgage interests and the ineffectiveness of the " earmarking '' and " contemporaneous exchange for new value '' defenses in the face of the strict timing rules set forth in section 547 ( e ) ( 2 ) of the Bankruptcy Code. Lenders should take note of a XXXX Circuit decision earlier this year in which the Court of Appeals highlighted the importance of timely perfection of security interests and mortgages. Rejecting XXXX defenses commonly raised in preference actions, the Court of Appeals held that a lender who takes more than 30 days to perfect a mortgage interest in real property XXXX have that interest voided in a mortgagor 's bankruptcy case if the perfection occurred within the 90 days preceding the bankruptcy filing of the mortgagor. 
I 'm seeking assistance and demand that SPS immediately record my new terms accordingly.
I purchased a product from a vendor for about {$1300.00} The product was delivered not to my specs and was unuseable. I returned the product to the vendor and they fixed their mistakes. A couple of weeks later I looked at my credit card statement and the vendor had charged my credit card {$990.00} without my permission, without notifying me and without providing me a bill. 

I called the vendor to try to resolve with no success " they might work with me '' but I never received any further correspondence. 

I called the credit card company to put the charge in dispute, they did put the charge in dispute and removed it from my bill. Then about a month later I got a form letter in the mail from the credit card company saying they could not verify a billing error and they were reposting the charge to my account which they did. 

In my letter I specifically instructed the credit card company not to pay this charge. If the vendor wants to come after me for the money then that 's between me and them. The credit card company is not the decision maker of where and how I spend my money and just because the vendor has my card number on file does n't give them the right to charge any amount they want, when they want.
Issue : Student loans by Dep of Ed/  XXXX   (  XXXX  ) are being reported as deferred, part of Chapter  XXXX , and delinquent at the same time. I have talked to  XXXX  who have assured me that the student loans are not delinquent. Also my bankruptcy does not include student loans ( Chap. XXXX  ).     I last contacted credit bureaus in  XXXX   XXXX  about incorrectly reporting student loans. They sent me a reponse saying that the student loans were being reported correctly. Also contacted all bureaus multiple times during  XXXX  and  XXXX .
The aforementioned credit collection agency representing whomever your Client is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : Experian, XXXX and XXXX. 
The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX does not have any documentation other than a bill that they printed, they need to retract this from my credit file immediately
On XXXX XXXX 2016 a criminal attempted to open a XXXX XXXX account in my name. I check my credit report daily through XXXX and noticed the inquiry on my credit reports. I immediately contacted XXXX XXXX who immediately cancelled the application and sent letters to TransUnion, XXXX and XXXX. As of XXXX XXXX 2016 TransUnion has refused repeatedly to remove the inquiry from my report despite multiple communications via certified mail from myself and XXXX XXXX.
I got this loan to help get my car fixed. I borrowed XXXX and it was told to me that I would be paying monthly and now they say I am paying every two weeks with this intrest rate of 533.7084 % and I was told that this is illegal and now by the time I am done I will be paying them XXXX aleast that what this paper say, but after trying to figure it all out I will be paying XXXX. I feel that I am not getting treated wrong and not sure what to do about this. I do not have that kind of money to pay XXXX every two weeks, because I do not make that much money. I only bring maybe XXXX home every two weeks. Plus I have XXXX kids and granddaughter living with me. Thank You XXXX XXXX
Got call from quicken loans stating that they could redo my current loan on a condo I own which they currently service the loan. They tried to charge me an amount of XXXX in closing cost on a XXXX loan. I told them I had no interest in that loan but would like to check on a getting qualified for a loan for I was planning to sell my existing house which I owe XXXX and has value of XXXX. I also have three other houses with only loan on one which is with quicken loans. I asked quicken to see what I would qualify for on a new house. I gave no value for the new house. They pull credit with two scores over XXXX and one in the XXXX 's. I also supplied an account with over XXXX as well as tax returns. I was told my income was zero and I qualified for no loan. They did not bother to look at the returns to see what my income was. I was told I " have a lot going on ''. I feel they did not want to take the time to review my application. They accused me of fixing my W2 's and said that income could not be counted. My accountant called to confirm that it was correct. I easily got loan from XXXX bank with same information with no problems.
I would like to thank your office for the swift response to my initial inquiry concerning XXXX , XXXX and XXXX XXXX XXXX XXXX. Per your request this is my formal complaint against the above listed companies for their business practices. 
I recently applied for a to a bank for a loan that would significantly reduce my interest rate, on XX/XX/2016 I discovered that a judgement that I had no knowledge is on my credit. I subsequently contacted the XXXX major bureaus XXXX, XXXX, EQ and proved to them that this debt is NOT mine, I have never received any financial compensation or benefits from this card. 
I am sure that XXXX XXXX is very aware of the Fair Credit Reporting Act ( " FCRA '' ) and Federal Debt Collection Practices Act ( " FDCPA '' ) laws against " re-aging time barred accounts '', and the laws on " debt duplication ''. 

I request that you contact them, demanding they provide me with copies of documents proving that I was properly served a subpoena for that judgement in question. 

I also request CACH validate this accounts account according to the FCRA. 
Validation of the debt must include What the money you say I owe is for ; SIGNATURE AND COPY OF ID FOR SAID DEBT Explain and show how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay you what you
We are applying to re-finance our home for the second time with Bank of America ( BOA ). However, we were rejected several months ago because the person assessing our property erroneously claimed that we were n't the home owners, even though we successfully re-financed the first time without difficulty using the same information. Instead of checking to make sure, BOA took the word of the property assessor and outright rejected us. After a month of complaining to BOA managers, they agreed to re-open our file and start the re-financing process over again. Then, just three weeks ago, we received another rejection letter stating that they could not verify employment, even though we had already provided them with the contact information of our company 's human resource, receptionist, and supervisor. Again, as we have stated before, we had not changed our work company since our first successful refinance. If BOA was able to verify our employment the first time, why were they not able to verify this time if none of the information has changed? We have since re-sent them the contact information of our employers about two weeks ago, but still no word. We are very frustrated over this drawn-out process and believe this is very irresponsible of BOA for doing shoddy work. We believe we are being discriminated against because we are borrowing under {$150000.00} and BOA does not want to process a loan that is so little, which is why they keep finding baseless excuses to reject us. We hope you can investigate this matter for us. Thank you so much for your time.
Wal-Mart Credit Card account XXXX with Synchrony Bank throughout the period I had an account they double charged payments by trying to take the same amount out a second time for the same amount as I made the payment. Last payment they did the same thing, my banking institution caught it and reversed the charge. Synchrony Bank once again accused me of bouncing a check and closed my account. I have never paid late. This is unfair activity by Synchrony Bank ; I received a letter of their acquisitions. Treating consumers this way needs to stop ASAP.