WillisBack/dataset-financial-user-claim huggingface dataset:
This is not going to end well for anyone on the other side and that is not somehting I can compromise on. 

Last year a woman fabricated XXXX charges against me when I discovered she was a con woman. It is not a crime to lie to any one -- unless you are under oath. Therefore, absolutely illegal and morally reprehensible from someone, who is the transgressor, witth more XXXX criminal charges in XXXX states to say such a thing. Why? because the justice system was XXXX for personal gain at the expense of an unknown, innocent individual who was deftly put into a 6 month statute of limitations, never mind you, i 'm gon na get hauled down to lockup on a thursday with a judge who has a full docket. 

The check in question needs to be reversed or I am going to the people with this, and that does end well for you guys. A bulge brakcet bank, honoring a cimrinal over a faithfully loyal customer? 

If I remain idle -- am I doing the correct thing? Or is it enough to just accept that bad things happen to good people and that 's okay? Please I would love to know the offi8cal moral stance taken by the firm 's PR agency of Choice. 

I am being told by chase that deadlines are deadlines -- tough XXXX. 

I '' m telling you that extenuating circumstances, will be the bane of Chase Bank 's existence going forward. If I am your customer and someonee steald my check and writes my signature and the handwriting analysis is incontrovertible -- what more do you want? 
Oh I have to know when my XXXX is styolen? 


NO. 

NO. 

NO. 

Chase has failed me as a customer on a level that I can not tolerate as man who is doing all that he can to restore his belief in the the american justice system. 

The idea that this is my fault is tragic. 

Additionally, the check in questoin was submitted initially and returned. I was never made aware of any of this and chase will not acknowledge this. That 's great -- because it 's a legal obligation on their behalf. I never got anything about a bounced check, and a check that was not sufficietly funded goes without notification to the account owner and apparently run again and I guess I had the dough at that point. No clue what was happening. 

Please, show me how your isistence and outright coercive attempts to get me to admit on a recorded line things I have absolutely certainty over. Now that is terrifying -- terrifying. Because what we have here, is the brick and morter teller becoming emotionally attached to my cauase and the next thing I know she is having heated words with a colleague who had no problem trying to dupe me -- yeah I 'm XXXX -- but i had another chase person advocating for me. 

How on earth is this a sitatuuoin that chase XXXX bank can allow to happen? 

Patheric. utterly pathetic. I will move on next to the XXXX if they have one at Chase. nothing about being caught ibetween to co-workers is professionaly acceptable. 

I look fortward to a civil suit. It 's on.
To Whom It May Concern : A system error has resulted in a negative credit report that I hope to get amended. 
I leased my car in XX/XX/XXXX and was making timely payments through XXXX ' own online auto-pay function. All payments were credited on time with no issue. An internal error resulted in two payments being pulled for XX/XX/XXXX.  Subsequently, I suspended the XX/XX/XXXX payment. A second internal error cancelled the auto-payment function with NO notification. As you can imagine after 2+ years of automatic payments, I did not check. There was absolutely no email, phone or  written contact by XXXX. 

XX/XX/XXXX I received the first contact from XXXX that my payments were now late. Immediately the balance was cancelled and set up to date. Unfortunately, despite not receiving a call, email or letter prior to this my credit report was negatively impacted. I reached out directly to XXXX to attempt to clarify the situation but they were no help. 

Once my records are reviewed you will notice I have worked very diligently to make timely and responsible payments and maintain a clean credit report. I am aware that there are individuals that intentionally miss payments and try to manipulate the system. I would not be wasting my time or your if this were the case. Please remove this negative report from by credit score as I should not be faulted for a system error.
I have several inquiries that I did not give consent to run my credit. Please remove this from my Credit Report. I have no knowledge of these inquiries, these are inquiries I have no account of. I did not give any permission to run my Credit. Experian is stating that " inquires are factual record of file '' without properly investigating. How are these FACTUAL RECORD OF FILE when I have contacted most of the creditors listed and they have explained that they have no account nor knowledge of me doing business with them.
I have reached out to this company with no resolution, this account does not belong to me it is also reporting a address I have never lived at.
Select Portfolio requested proof of the XXXX statement that shows my loan was never modified and the detailed history. 

XXXX has not complied with the terms of the DODD Frank 's Act to allow for consumers to convert subprime mortgages under the HARP program to a fix rate mortgage. XXXX sold my mortgage to Select Portfolio on XXXX XX/XX/XXXX. 
XXXX is actually still the lender and they denied my request to a loan modification in XX/XX/XXXX. The mandate period expired on XX/XX/XXXX. XXXX was sued for mortgage fraud in XXXX and XXXX. 

I never agreed to a subprime mortgage. I want this issue resolved asap. 

Request the FBI, CFPB, SEC, FTC mortgage fraud investigators investigate this matter and add ke to the class action lawsuit against select portfolio. XXXX refuses to resolve this matter and intentionally uses Select Portfolio to avoid penalties and accountability for this mortgage fraud.
I attempted to make a cash deposit at a Bank of America ATM on XX/XX/XXXX of {$980.00}. The machine spit out {$60.00} of my deposit and ended the transaction. I checked my balance and it did not reflect the new transaction. I contacted the automated teller assist and they printed a receipt for me to call to file a complaint. 

I filed the complaint and they gave me a temporary credit. Now, they are saying they can not find the deposit and the video shows that all of my money came back out. This is simply not true! They will reverse the credit on XX/XX/XXXX. 

They also told me to contact the police department to get a subpoena so I can review the video. The police department says they dont do that. 

Im at a loss as to what I can do. I have spoken to 8 bank representatives about this.
I have a personal loan through XXXX XXXX. I called them on XX/XX/XXXX to get an address to send a check to payoff the account. On XX/XX/XXXX I sent the check XXXX to the address I was given over the phone. On XX/XX/XXXX it came to my attention that the loan balance had not been paid off. I contacted XX/XX/XXXX who told me that the address I sent it to was an old service provider. I was told to contact First Associates to see if they had received my check. I called and was told that they hadn't received the check. I then contacted the bank that wrote the check and received a copy of the canceled check with First Associates bank information on it dated XX/XX/XXXX. I called Loan Depot back and asked them to contact First Associates to get their funds ; I also faxed them a copy of the canceled check. On XX/XX/XXXX, XXXX  from XXXX XXXX called and told me that First Associates would not return their calls. I called First Associates again. I asked to speak with the president, XXXX XXXX, or the manager, XXXX XXXX but was denied that request. I first spoke with XXXX who repeatedly transferred my call to XXXX XXXX. Through conversations with XXXX, XXXX, and supervisor XXXX XXXX, we received several different stories of what had happened to the check. They mailed it back to the bank before they cashed it. Sometimes they cash it first. And finally they put a stop payment in and were mailing a new check. However with each story we were denied any documentation or check numbers to support the claim. Each call to resolve the issue I seem to just receive the run around.
Factual Data, bureau express reported false data on my credit report. 
While applying for a loan product and while reviewing my credit report I found shocking information is on my credit report. 
XXXX items listed were not related to me or it has been paid off long time ago, and factual data bureau is still keeping wrong information in my credit report. 
1. XXXX XXXX account has a balance of {$7900.00}, card # XXXX ( Verified with bank and that account do not belong to me, ) 2.XXXX account # XXXX, balance of {$7400.00} XXXX account is invalid or does not belong to me. Verified with XXXX credit card. 
3. XXXX bank account # XXXX balance of {$310.00} This account does not belong to me. 
4. XXXX account # XXXX, balance of {$130.00} Due to the wrong information on my credit report my credit score suffered and I am forced to pay a higher interest rate. 
I am requesting an immediate action on this issue and correct these errors. So I can have my life back. 
Factual data management irresponsibly posted balances which does not belong to me. This report added my liability to {$15000.00} which is not a small amount, which I have nothing to do with. 
Address:XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX
Have a fraud report number XXXX. Involving XXXX   account # XXXX please review documentation. Trade line has already been removed by original furnisher XXXX XXXX XXXX. Removed by other CRA s. Review Documentation, fraud accounts must be removed ASAP according to FCRA guidelines.
Trying to help elderly father ( went through XXXX XXXX, had multiple XXXX, & early stages of XXXX ) get a handle on his finances ; doing so from Ohio. Approximately 1 year ago I was in Wisconsin and visited the bank so I could gain access to his accounts online from Ohio. At that time I was added as a signee to my father 's account as well as opening another checking account in my name. My father 's account has an over-draft line attached to his checking account. 

Approximately 4-6 months ago I noticed my father over-drafting his checking resulting in additional fees and increasing his over-draft line to the limit, which I was attempting to pay down. I called the bank representatives not less than 6-8 times trying to resolve the issue ; asking that the checking account decline any charges once dad 's account hit XXXX. Doing this would have allowed me to slowly pay down his over-draft line over time and help dad get a better hold on his spending. 

Fast forward to the end of XXXX ... my father over-drafted 5 transactions from to a Wisconsin business. Since the business tried to re-deposit the transactions multiple times it has caused bank over-draft fees of {$610.00}. The bank refunded {$77.00} ( {$7.00} per day over-drafted ) in fees. When I called and spoke to the manager asking for additional help ( since I had reached out months earlier looking for solutions only to be turned away ) her response to me was that's all she could do. As a follow-up I called the district manager to seek additional help. He told me that he would review with bank manager and get back to me the next day. 3 days later after not hearing back, I again called him back and left message. A few hours the same day I received a call back from the bank manager stating there is nothing further they can do to help, stating ; " if the bank refunded all the over-draft fees they would be out of business ''. 

Then on Saturday XX/XX/18 I received an over-night ( Sat delivery ) that the bank has closed the accounts ( accepting credits only ) and wants the over-draft protection line ( {$1000.00} balance ) paid off in 1 week 's time or they will send to collections. 

I'm trying to find out if I'm liable at all for the overdraft protection line since I'm a " signee '' on my father 's account. I would not think I'd be liable for those dollars. We're willing to work on paying the account off over time, but seeking help with some of the additional fees that were slapped on my father. He is on a fixed income of $ XXXX  monthly which obviously doesn't go very far.
I mailed this company a formal dispute letter with my current address on XXXX XXXX 2015 hoping to get a copy of the original debt today XXXX/XXXX/2015 I contacted the company to advise them that is has been over 30 days and I should have got the documents back by now I spoke with XXXX and XXXX XXXX and she advised that she sent the paperwork to an old address even though my current address is clearly printed on the dispute letter I sent them. I also advised them several times this is not my debt and also not to send me anymore emails with company jargon that I ca n't understand.
I received a debt collection letter in the mail on X/XX/17 from Central Credit Services/XXXX XXXX XXXX XXXX. The original creditor is XXXX XXXX XXXX in the amount of {$660.00}. The account number is : XXXX. This debt does not belong to me. I am not responsible for payment for this debt, someone else is. In the letter, it states that XXXX XXXX XXXX purchased the account as the collection agency. This letter gives 2 options for payment. Option # 1 was to split the balance in 3 installments. Option # 2 was to reduce the payment to {$400.00}. I an disputing this alleged debt that is reporting negatively on my credit file. Like I mentioned before, I an not responsible for payment of this debt, someone else is.
USAA has decided to give me " limited access '' to their services. Being an online bank, I no longer have the services available to me that I need. For example, they 're reporting on my credit when I no longer have a credit account with them. To dispute this I need to access their online site to get the dispute form. Because I do n't have access I ca n't get the form to dispute the charge. Catch 22. I should have access to at least the most basic forms. USAA has a habit of doing nasty things to customers it finds as subpar. Never mind that I 'm a veteran. they 're really only care about money, and how to get it from vets. Their actions speak louder than the lovely sound bites they put on the radio.
I have been disputing and demanding validation of a debts I do not owe and inaccuracies on my credit report for months now, and EQUIFAX has not only been ambiguous, they have not provided the requested and official documentation required by law, nor have they corrected the information, in reference to the following accounts since last contact. 
XXXX NOT MINE, No proof of debt- University XXXX No Proof of debt- XXXX NOT MINE, No proof of debt XXXX NOT MINE- XXXX WRONG. Please be advised that this is not a refusal to pay the debt, but a detect sent pursuant to the Fair Debt Collection Practices Act 1: USC 1692g Sec 809 (b) you title that I owe this. Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe or gave authorization to. I am demanding proof that I am the exact party to these or gave authorization to, and a prearranged coercion, which is obligatory on me to wage this debt. This is NOT a request for "legalization" via E or evidence of my mailing address, but a demand for AUTHENTICATION made pursuant to my Precise name Date of Birth Social Security Number and correct address current XXXX KY accordance with section of the Fair Debt Collection Practices Act. Or I request this be removed with immediate effect. I am also requesting the names, addresses and telephone numbers of individuals contacted or going to be contacted during this time with my signature. Absent such proof, you must correct any erroneous reports of these as mine. Please evidence your endorsement under 15 USC 1692(e) and 15 USC 1692(f) in this alleged matter. What is your authorization of law for your gathering of information? What is your authorization of law for your collection of this supposed debt? Please evidence proof of the alleged debt, including specifically the alleged agreement or other instrument bearing my signature or authorization.
My credit card ( Chase Visa ) was stolen on XX/XX/2018 out of a locker at my gym. I received an email notification from the company at XXXX XXXX on that date ( XX/XX/18 ) regarding questionable charges, and I immediately called the company to confirm these were fraudulent charges and to cancel the card. I was told by the the company representative that the card would be cancelled, and not to worry about this. I subsequently received correspondence from the company on XX/XX/XXXX and XXXX, that the charges had been removed from my account. 

I did not make these charges, which total {$6000.00}, these were fraudulent. 

I then received a letter from the company on XX/XX/XXXX informing me that I was responsible for the charges. I subsequently filed a police report in the jurisdiction where this theft occurred. I forwarded a copy of the report along with a letter to the credit card company on XX/XX/XXXX, disputing these charges. I have now received a follow up letter from the company simply stating that they have decided that the charges remain my responsibility. They have not provided any evidence for this determination.
I have been with Wells Fargo with many years and purchased their Credit Defense Platinum program. Allowing me if need be help if on XXXX. Unfortunately, this has become the case. I tried to handle the card on my own and I watch it blow out of control. I called in kept asking what was happening. Knowing I was not going out of my budget. Come to find my interest rate went up, costing me {$250.00} a month. I asked to enact my insurance/benefit policy on the CC so I could pay it down. I also started to receive letters in the mail reminding me I had this option open to me. However, every time I called in I would get the run around that no one knew what I was talking about or that WF never offered such policy and would transfer me to the individuals to close my account. Which I repeatedly said I did not want to do. I kept calling, after reading online seeing others had trouble with this benefit as well. Finally I came in contact with XXXX ; who knew exactly what I was speaking about. and transferred me to the correct department. After multiple phone calls and waiting on hold forever ; I got through to be told NO. My XXXX dates didn't align. I looked over my papers and found they did in fact meet the WF requirement dates. I called back and spoke to another individual telling me no I can not file a claim because i

t was XX/XX/XXXX and all claims needed to be filed by end of XX/XX/XXXX. Even though the recording says XX/XX/XXXX. I started calling WF XX/XX/XXXX and being told this service did not exist. How can I file a benefit if they won't admit to having the service and second have two different filing dates? please help.
XXXX ,  XXXX   XXXX   XXXX  Credit Card. I have tried repeatedly through the credit bureau and the  XXXX ,  XXXX   XXXX   XXXX   XXXX  to get them to correct ALL of my credit bureau 's. When contacted the Credit Bureau 's they are NOT correcting their error. On all bureau 's they are reporting my account as a charge off in status and not reflecting monthly payments and new balance. This account did go to collections, but I receive a statement every month and am making my payments every month and reducing my balance every month. They are charging interest every month, like a credit account. Therefore, it is not a charge off if I am making payments, receiving a statement from the company and reducing my balance. Also, they are reporting the false information to my spouses bureau as well.
last XX/XX/XXXX a collections company called and said they were a collection company trying to settle a debt for a kays jewlers credit card that my husband had. ( I cant remember the name of the company. ) So I set up a payment arrangement with them to pay the bill. I started paying on XX/XX/XXXX for XXXX a month plus a XXXX card fee. I paid XXXX for the months of XXXX, XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX. The last payment was XX/XX/XXXX, for a total of XXXX. The company told me it would be under XXXX XXXX when I received my bank statement every month. I didn't think anything about it at the time, they told me it was a sub company that collected the money for them. they also told me that when it was paid it would come off my husbands collections. So when it was paid I thought everything was fine. But come to find out it never got reported as being paid and never came off. In XX/XX/XXXX another collections company called to talk to my husband about a collection matter to do with XXXX XXXX. they called a couple times and finally I told them I was his wife and they told me exactly why they were calling. to collect a debt for a XXXX XXXX credit card account. this time though they told me he had started paying for it back in XX/XX/XXXX and then stopped, which was true. I told them I had already paid that debt off last year to a collections company, but it didn't matter, they told me it was not them I had paid and they had the account, so it was still owed. so I asked them what to do then because I had already paid over XXXX for this debt.. so they looked into because i told them the companies name and they told me the cfpb had closed them down because they were a fraudulent company. I tried calling XXXX XXXX getting no answer. so I called XXXX main office and they told me they only deal with national credit adjusters and told me a few questions to ask them to make sure it was the right company that only they would know the answer to. so I did and they did so now im paying the right company. So XXXX XXXX is a fraudulent company that pretended to be an actual collection company and took XXXX from my husband and I, for a collection account they didn't have.
My husband who is XXXX year old military veteran, in declining age and in the early stage of forgetting things esp. when he takes pain medications, got involved in a trade- in transaction with XXXX XXXX thru an agent named XXXX XXXX , of XXXX , XXXX , XXXX. My husband used Kia Spectra, XXXX that is both in his name and mine to get a used pick up truck. 
The trade-in deal was hurriedly done, and within an hour or so, when I came home from my part-time job, I saw the red pick-up in our carport. I t came a surprise because that Kia was a perfect running condition, mortgage free and in fact XXXX XXXX XXXX offered to buy it back as trade-in for a newer model. 
Realizing that he could not pay the monthly payments for the used pick up truck, my husband called to return it on the second week.It was picked up after more than two weeks. 
As a wife of XXXX years, I asked about a signed contract for the transaction, but my husband had no copy to show me. Neither was there a copy of the return transaction. In short, I did not see a contract at all! 
I would describe this deal as done without following proper procedures. There was no careful screening as to the financial background whether my husband could afford to pay or not. Also, no proper interview was done to ascertain my husband health issue as to competence in making a car purchase without consulting me as a wife. If the agent was careful enough he would have seen that my husband could hardly talk, hardly walk, and even hard of hearing on his right ear. My husband is XXXX, and has XXXX. With medications he gets XXXX and does things he does not mean to do, like buying he truck he did not need. 
Now, my husband is facing a debt collection from United Recovery Systems based in XXXX XXXX in the amount of {$6200.00}, dated XXXX XXXX, 2015 thru the agent named XXXX XXXX. The Creditor named is XXXX XXXX XXXX, XXXX. But Actually, the deal was with XXXX XXXX in XXXX XXXX XXXX, XXXX, XXXX
Equifax removed XXXX XXXX XXXX XXXX from my credit report because they were reporting the account inaccurate, I called them and they confirm it was removed but now I order a new copy of my credit report and that account is back. Please remove this account XXXX XXXX XXXX XXXX from my credit report.