WillisBack/dataset-financial-user-claim huggingface dataset:
I have a joint youth checking account with my son. He was a victim of a scam. He was approached via XXXX by someone asking if he would like to make money. He sent them his debit card. The scammers then deposited a counterfeit check into his account and went on a shopping spree. The bank now states that we owe them $ XXXX. I do not feel that we should be held liable for the amount owed because we were victims of the scam. At no time during the history of the account has a deposit that larger ever been made, as well it was common for the bank to hold his actual deposits before releasing funds. I believe the bank should have noticed the large deposit and at the very least verified the check before releasing the funds. The counterfeit check was drawn on an account from the same bank. It was deposited in a state that has never bee associated with the account and all the charges were made in a state where the account had never been used. I also have an account with this bank and they have called me before when I was traveling to verify transactions. Why this was not done I can not say. My son is young and fell for a scam. He has learned his lesson but should not be held liable for the criminal activity of others. 

I have included the last XXXX bank statements showing that this activity is completely out of the ordinary for this account. This account has never had a returned item, or a deposit over {$500.00}. The activity should have drawn a red flag as soon as the deposit was made. The fraudulent deposit was drawn on another customer from the same bank in the amount of $ XXXX. I would think the bank would not only verify the check with these customers, but also verify the deposit with us before releasing funds. 

The loss is a result of the bank not having the proper security measures in place and or active. It is not a result of our negligence.
XXXX : First Federal Credit Control/and XXXX XXXX XXXX : XXXX XXXX XXXXTHIS notice is sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 XXXX b ) that your claim is disputed and validation is requested. 
Upon recent review of my credit report, FIRST FEDERAL CREDIT CONTROL- XXXX Credit Report : Account 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Account 2 ) # XXXX - XXXX. XXXX XXXX, XXXX OH XXXX Collection agencies are reporting that I owe the above creditor XXXX Car Rental a debt. I am in dispute of this unfair debt collection practice and inaccurate billing dispute. How could I possibly owe XXXX of these creditors for the same exact debt? XXXX Re : XXXX Car Rental ) As per this rental, this was an insurance claim, paid in full by my Insurance with : XXXX INSURANCE- PLEASE CHECK YOUR RECORDS CAREFULLY. 
Upon return of my rental the agent on duty never advised me or called me to discuss with me THAT I HAD A BALANCE/ OR gave me an opportunity to actually DISPUTE the issue. 

I am requesting that you investigate this illegal deceptive practice and verification of this questionable debt collection agency/or agencies. I NEVER RECEIVED ANY NOTIFICATION OF THIS DEBT or a description of what I owe this money for. Apparently this is a scam ; this appears to be the same exact companies. This is an illegal Unfair practices. Debt collectors should not be allowed to engage in unfair practices when they try to collect a debt. For example, in this case, they should not identify themselves as different companies, when they are actually the same. 
Please investigate this matter. I do n't even know who these companies were until this account was turned over for collection. Could it be credit theft? I 'm not paying until I see an accurate billing statement. FUTHERMORE, " The FTC CLEARY points out, " Every collector must send CONSUMERS a written 'validation notice ' telling you how much money you owe within XXXX days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you do n't think you owe the money. '' I never received any notice. Subsequently, The FCRA also protects consumers from the misreporting of information on your credit report. If a debt collector or credit bureau reports incorrect or inaccurate account information, it is violating the FCRA. Examples of violations include failing to report that a debt was discharged in bankruptcy and reaging old debt to extend the statute of limitations. In this case, it is definitely apparent that a collection agency or Credit bureaus can most definitely mix up similar credit files and misreport information. Therefore a consumer, should have the right to dispute any information he/she may feel is not possibly reported accurately.
Chase Freedom has refused to lower my credit card interest rate for the last two years plus from their highest obscene rate of 29.9 %. I have n't missed a payment or been late with a payment in three years. Last time I asked they said the rate was based on my original application guidelines. I 've had this card since 1990. How is it possible that I 'm tied to guidelines from 26 years ago when everything else in banking and credit card regulations has changes numerous times.
Transunion has a hard inquiry on my credit report from XXXX XXXX. I informed them that XXXX XXXX was only doing identity verification and not a credit application. I have attempted to do the dispute with Transunion online twice but was unable get the correct options to go through. I called Transunion customer service to dispute over the phone. They said I needed to get a letter from XXXX XXXX stating that it was not a credit application and fax it to their offices. I secured the requested documents and faxed them as instructed on XXXX XXXX 2015. I called XXXX XXXX 2015 to get a status and was given the same instruction over again because they did n't see anything. That was my 3rd attempt.
On XX/XX/2016 I sent a letter to XXXX XXXX disputing a alleged account that I do not recognize. The amount was for {$880.00}. Today is now XX/XX/2016 and I have yet to get a response from them disputing my letter. This is in violation of the law for fair reporting. They have taken more than 30 days to furnish proof that the account is mine.
I had submitted a complaint regarding my mortgage with my lender Wells Fargo/America servicing company. Hard times had fallen on me m husband died and then my daughter had an terrible accident. I had fallen behind in my house payments by {$5000.00}, and wanted them to work with me, but they would n't, I complaint to you and then Wells Fargo called me. They said they would be sending me a letter with items they needed to modified. What I received it the mail we a letter stating my property value had gone up according to their drive by appraisal and the com parables in my area.I thought they have n't seen the inside there are damages and deferred maintenance and even structural damage due to the water leaks under the house.I called Wells Fargo the home preservation specialist that sent that appraisal she never respond to my many of messages. finally I spoke with someone in that department I was then told my file was transferred to a new home preservation they did n't know who it would be but that the new specialist would be contacting me. I have never received a phone call from the new specialist, when I call I speak with an operator. Time has past because of this and I currently own Wells Fargo {$20000.00}. which I have {$17000.00} of it. I do have a sale date scheduled for XXXX XXXX. Ido not want a foreclosure i would love to save my home and live here and repair it, but if that is not possible I rather Short sale rather then foreclosure. Because I have not been able to get a response from Wells Fargo I did sign with a realtor to do a shortsale but they are not working with her either.Please help please.
On XXXX XXXX, 2016 I opened the Citibank account online under promotion of {$400.00} cash bonus. The promotion stated that within 30 days from the date I opened the new checking account, deposit {$15000.00} or more in new-to-Citibank funds into your new checking account then I can get {$400.00} cash bonus after 90 days. 
The Offer code was XXXX As of today, it 's been over 90 days period and I still have not received my cash bonus as promised by Citibank
I have been banking with TD Bank for approximately two years. I knew from the beginning that they were nothing but a bunch of crooks. They expect their customers to keep a specific balance in their checking account. I talked with the manager at the TD bank in XXXX about the {$15.00} service charge based on the balance. He agreed that it was not appropriate and refunded my money. It is my money and not this bunch of crooks. 
They took {$15.00} out about two months ago and I complained. They refunded the money. Now they have done it again and overdrew my account. CROOKS. I will change banks just as soon as my SS check is deposited. I hate the legal crooks that banks are. They provide no services.
I defaulted on a Chase credit card due to our business going bankrupt after the real estate crash and our failed economy. I have been trying for years to settle the debt but Chase has written off my debt but refuses to remove the judgement from my credit report and a low credit score is keeping me from recovering financially from this loss. Chase holds my first and second mortgage and will not allow me to refinance. Why do the banks get bailed out, get to write off the bad debt, and still ding my credit report every month and will not do anything to remove this judgement form my credit report. Where are my rights here? I want to settle but I can ; t but no one keeps them from still hurting me as a consumer. This is 6 years old now. The Chase Judgement is for {$9800.00}, case # XXXX filed XXXX XXXX, 2010. HELP!!!!
It took months to remove my PMI, because I kept getting different answers and Green Tree Servicing stating that they did not have a phone number for their escrow department. They said you had to mail everything in. Once I finally got the PMI removed in XXXX, I was still charge the PMI amount for XXXX & XXXX. They did an escrow analysis in XXXX and refunded me {$140.00}. I was told that this was for the overpaid amount on the XXXX PMI. I was told be a couple different representatives that I would receive a check for the overpaid PMI in XXXX in the mail. When I never received a check, I called back and spoke with a supervisor. She told me that in order for me to get the check back, I needed to do another escrow analysis even though I had just had XXXX done. The taxes have increased since then, so now they sent me a bill for {$190.00} and no refund of the PMI for XXXX. Every time you speak to someone, they tell you they ca n't help you and you need to write a letter to the escrow department. They have terrible customer service and keep telling you different things, so that nothing can get done. They used many stall tactics when I was trying to get rid of the PMI.
I received a letter stating that the XXXX XXXX XXXX account in not currently reporting ... yet I still see that it is reporting. If it states not reporting then it should not still be on the credit report.
XXXX/XXXX/16 Discover XXXX XXXX XXXX XXXX, DE XXXX XXXX : CFPB case # XXXX This case was instituted to address ALL prior disputes in particular case # XXXX. 

By my action in case # XXXX, ALL previous disputes on this single issue, are satisfied and closed. 

The reason is that the state of these XXXX ( XXXX ) Discover credit card accounts have been addressed to meet with my satisfaction. 

Account # 's ending in XXXX and XXXX.
A MERCHANT IN THE INTERNET ADVERTISED A BEAUTY PRODUCT FOR FEMALES THAT WHEN APPLIED TO THE FACE WOULD HELP THE APPEARANCE BY REMOVE OLD AGE SPOTS, ETC. THEY WOULD SEND SAMPLES OF THE CLEANING CREAM AND A " MOISTER TO APPLY BEFORE THE MAKEUP. WE ONLY HAD TO PAY THE SHIPPING CHARGE OF {$4.00}. WE ORDERED THE SAMPLES AND WE CHARGED OUR BANK OF AMERICA CREDIT # XXXX XXXX XXXX XXXX. WE RECEIVED THE ITEMS WITH OUT ANY CORRESPONDENCE OF ANYTHING. THE WRITING ON TH ITEMS COULD NOT BE READ WITHOUT THE XXXX XXXX TELESCOPE. WHEN WE RECEIVED OUR CREDIT CARD STATEMENT WE WERE CHARGED $ XXXX ADDITIONAL FOR THE SHIPPING AND WE RECEIVED TW0 CHARGES OF ABOUT {$98.00} FOR EACH ITEMS. WE CALLED THE MERCHANTS AND THEY TOLD US THAT WE HAD TO RETURN THE ITEMS WITHIN 14 DAYS IF WE WERE NOT SATISFIED OR WE THEY HAD THE RIGHT TO CHARGE US THE COST OF THE ITEMS. WE TOLD THEM WE PURCHASED " SAMPLES '' ONLY. THEY TOLD US THAT WAS THEIR POLICY PERIOD. WE CALLED THE BANK OF AMERICA CUSTOMER SERVICE AND THEY TOLD US WE HAD TO PAY THE AMOUNTS PERIOD. WE WROTE MANY LETTERS TO THE BANK AND EXPLAINED THAT WE PURCHASED " SAMPLES. 

WE TOLD THEM THAT THIS WAS A SCAM AND WE WERE NOT GOING TO {$200.00} FOR SAMPLES AND WE RETURNED THEIR CREDIT CARD. 

THEY HAVE CONTINUED TO CHARGE US LATE FEES AND INTEREST WHICH TODAY TOTALS {$440.00}. WE BELIEVE THIS IS A SCAM AND BANK OF AMERICA IS A CO-DEFENDANT OF THIS SCAM. IN MY XXXX YEARS I HAVE NEVER HEARD, EXPERIENCED, OR READ WHERE YOU BUY A SAMPLE AND LATER YOU ARE CHARGED THE PRICE OF A NON SAMPLE.
My mortgage was sold to XXXX XXXX dba Shellpoint Mortgage Servicing XXXX. XXXX   XXXX, SC XXXX ( XXXX ) XXXX from XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX in XX/XX/XXXX. 
At this time my spouse and I were going through a divorce. I ( XXXX XXXX XXXX ) was awarded the home by the divorce judge and told I needed to remove my ex-wife from the mortgage ASAP. At that time my mortgage was still owned by XXXX XXXX XXXX. I had talked to XXXX XXXX XXXX  and they said they would do an assumption or a novation to remove my ex-wife 's name from the mortgage.. 
Next thing I know is XXXX sells my loan to Shellpoint. I received a letter from XXXX stating the loan was sold, but that everything would remain the same except where and who I send my payments to. 
Well, I talked to several representatives at Shellpoint and they said they won't do the an assumption or a novation of the loan even though I had been promised by XXXX XXXX XXXX   that they would do it. XXXX had " no problem. We can do that for you. 
But, Shellpoint refuses to do it as promised by XXXX XXXX XXXX. 
In fact, I contend that Shellpoint has fraudulently and purposely dragged their feet when processing 3 of my monthly online payments ; therefore my credit report now shows 3 late " mortgage '' payments which makes it impossible for me to refinance the home loan which is the only other alternative way to remove an ex-spouse from a mortgage loan. Shellpoint knows that a consumer will be unable to refinance either with them or another lender and intentionally makes a payment or more " late '' so you are forced to stay with them. I have no " late payments '' they are lying about! 

The other fraud they are doing is they are stealing my payments! ( SEE ATTACHED ) I have been mortgaging this home now for over 17 years. The first 13 1/2 years of monthly payments were " interest only '' and escrow payment. The interest on the original 25 year loan was met years ago! But, look at my Shellpoint payment history. Look at it! For 10 months I have made my monthly payment of {$800.00}. That's {$8000.00} and not one red cent is being applied to the principal! Only towards the escrow. Where is this money going??? When I call to ask those questions, I always get transferred on the phone and then I stay on hold forever. They never pickup the phone. They never help! WHERE'S MY MONEY? I bought his home for {$100000.00} in the year XXXX. So, in 17 years I paid these lenders over {$190000.00}! Almost twice the price of the original purchase price already! But, somehow I still have a principal balance of over {$120000.00}! It never goes down! Doesn't make any sense. Plus, my payments ( over {$8000.00}! ) Only goes to escrow. Where the rest going?
I have tried on multiple occasions over the past year to get an income based repayment plan set up in which Navient has told me that I do not qualify. I have also tried to get my cosigner to be removed so that I would qualify since they are not paying back any of the loan. Navient has told me that I can not have her removed and combined we make too much. 
I recently ran into some medical expenditures and tried again. I spoke with a woman who informed me that I have qualified in XX/XX/XXXX and it is not XX/XX/XXXX. She then went on and played a forbearance message for me which I did not agree to. I told her I do not want to forebear but lower my payments due to income. She had her manager come over and fix the recording and played an income one which I agreed to for the amount of around {$170.00} a month. 
A couple of days later I received an email saying that I still owed a payment for the month even though they needed a payment upfront. I thought it was odd but they explained it to me as I was to pay more this month to get the lowered payments for the next 14 months. I received another email saying that my income based payment plan was going to be {$160.00} instead. I thought that was great! Knowing what they had told me over the phone I checked to see if my additional payment for the month was going to be lessened as well. When I looked it said I was in forbearance!!! I had specifically asked to ensure I would not be in forbearance and I did not agree to be in forbearance.
Integral Recoveries Inca is attempting to add interest ( {$17.00} ) to a Medical debt owed to XXXX XXXX NY. I would like to see original signed agreement where an interest accrual was permitted on this Medical debt. The company also threatens to report to major credit reporting agencies if not paid. Credit reporting is for consumer transactions, not obligations such as Medical, XXXX etch. See XXXX vs. XXXX. This notice not only provides an inflated balance but threatens credit reporting when they have no legal right to do so under the FCRA
On XX/XX/XXXX my dispute was received by Equifax. I disputed a collection that was placed on my credit report by XXXX XXXX XXXX. I also sent the company a validation letter. I pay for a credit monitoring service which alerted me on XX/XX/XXXX that the account was removed. On XXXX XXXX I received a new alert that the account was placed back on my credit report. I never received anything from Equifax stating that they were placing the account back on my report. I received paperwork in the mail from XXXX XXXX XXXX stating they were providing me with validation. XXXX XXXX XXXX  provided an an alleged contract they say was from XXXX XXXX. XXXX XXXX XXXX  provided their account number which is XXXX. Then they provided an account number which they alledge is from XXXX XXXX XXXX. The contract which they alledge is from XXXX XXXX has an account number of XXXX. The original account number from XXXX XXXX XXXX and the account number on the contract they sent me do not match! The alleged contract also does not have my signature. I am including the letter sent to me from XXXX XXXX XXXX and a contract they claim is from the original creditor. 
The information is inaccurate and the company clearly is not able to validate this account according to the FDCRA. This account was removed from my report and placed back on without the 3 day notification and without being properly verified.
I dispute this debt with both the debt collector and the credit reporting agencies. This company lied and said and said this was never disputed. They have not provided debt validation. Attached are the disputes to the credit bureaus and to them. This account must be removed my my credit report.
As of XX/XX/2018, this problem has been going on for weeks. Even when they send my a NEW confirmation number, I always get the same response " YOUR INFORMATION DOES NOT MATCH OUR RECORDS!. This is my last STOP BEFORE I Take them to court JUST BECAUSE I CAN'T get access to my credit reports!

They need to fix the problem pertaining to why I can't get access to my reports when I input the same information they send me
Spoke to two individuals ( senior manager and manager ) at XXXX until XXXX on XX/XX/2018. 
I contacted IQ Data International about settling on an account they have of mine. They said my offer was to low and offered me 20 % off as settlement. I informed them I was not able to pay that at this time and would continue to save and call them in a couple months. The gentleman I spoke with said that he was going to see what else he could do and put me on hold. A woman come on and said that they had offered the lowest rate they could of {$2600.00} with a credit deletion and asked why I wouldnt take it. I explained I would not be employed for four months and could not commit to monthly payments on top of the {$1500.00} I was offering and that I would call again when I had additional funds. She told me that if I did not take the offer they had give me today that I would have to pay the full amount of {$3400.00} with no credit deletion. I told her I wasnt worried about the deletion, just that I had hoped to settle the account. She told me that if I didn't settle the account for the amount they were offering and take the credit deletion I would have a hard time getting a loan, finding a place to rent, etc. and that I would have to pay the full balance and that interest would continue to acrue. I told her I had spoken to a She said she'd been doing this a long time and that my credit would be effected. I told her that I was not able to commit and she stated she would notate my account that I was refusing to pay and she would take further legal action against my husbands gainful employment. 

I felt threatened despite having offered them {$2000.00} and monthly payments in XX/XX/XXXX that they refused. Now I have {$1500.00} and can not commit to monthly payments as my income will decrease during the summer. They also refused that and countered with offers almost {$2000.00} higher with a credit deletion. When I couldn't commit they told me my credit would be impacted, we wouldnt be able to rent or buy or get a loan and that she was going to take further legal action against our gainful employment. She also stated that they could call us repeatedly at home or work if I wasnt going to agree to the offer they gave.
Paypal blocked my account because I signed in from a foreign location. I am a XXXX and am abroad almost all the time. I called their resolution center several times, answered all the security questions successfully, and reset my password. All to no avail. In frustration, I asked that my account be closed and that my credit balance of {$93.00} be returned to my bank account on record ( it is the same account I have been using for years ). In true XXXX fashion, paypal refused to close my account because it is blocked ( by them ) and referred me back to their resolution center which was unable to resolve the problem. I emailed them several demanding that my account be closed and the my funds be returned to my bank account in the US that they have been using without a problem for year. They are crooks and I will never do business with them again but I need help in closing my account and getting my money back. They ca n't just block valid accounts willy nilly.
I have been approved by Sebonic financial to purchase a home as my primary residential and based on the lender 's requirements I started searching and made an offer on a home, the offer got accepted and we have inspection contingency removed now after 19 days they first asked me for {$470.00} for appraisal fee, after paying the appraisal fee they came up with a new requirement to provide 6 months of reserves of payment while they were aware of all my bank accounts and assets from the very beginning of pre approval process and they knew I can not provide 6 months of reserves. Now they disapproved my loan causing me to lose other opportunities on other homes, and spending {$1000.00} on inspection and appraisal. 
I can say they were underestimating every piece of information at the beginning to just make us proceed the work with them. Fortunately I have all the emails and documents they have sent me which show they were not providing the correct information.