WillisBack/dataset-financial-user-claim huggingface dataset:
I am the victim of a fraud. The scheme is as follows. I was contacted by someone from XXXX with a request to take care of a pet. The person sent me a check, which I deposited in my Bank of America checking account. Once the check cleared, I deposited the amount into another Bank of America account as instructed by the fraudster ( minus my fee for the services ). As I was suspicious of this, I waited until the check cleared ( on the very next day ) before I deposited the cash ( minus the advance payment for the services I provided ) to a fictitious pet store for food and other pet care. 
Here are the details : On XXXX/XXXX/2016, I received a check for {$2900.00} and I deposited it the same day at the local Bank of America branch in XXXX XXXX, CA. The check cleared the next day ( XXXX/XXXX/2016 ) and I withdrew {$2600.00} and deposited that amount to another Bank of America bank account. On XXXX/XXXX/2016 the check for {$2900.00} bounced back and the same amount of money was withdrawn from my account. I called the bank ( spoke to XXXX XXXX ) and they told me to contact the fraud department. I asked the fraud department why the fraudulent check cleared the next day, while other checks take at least a couple of days to clear. She said the reason was I had been a loyal customer and had been given access to the money prior to the clearance of the check. I think this is misleading as I would have never withdrawn the money before the check cleared. As a result, I became the victim of a fraud and I 'm questioning the bank 's policies regarding clearing checks. I was told during numerous discussions with the Fraud department that the bank 's policy is to allow customers to use uncleared funds if their accounts are in good standing ; however, the policy appears to not be applied consistently as it was only applied once, for the fraudulent check I received. All checks I have deposited so far have taken more than XXXX days to clear. The policy was only applied to XXXX check which turned out to be fraudulent and the funds were deposited into another Bank of America account. The bank did not provide information regarding where the funds went or tried to do anything about it considering the money was deposited into another Bank of America account. 
In conclusion, I believe that Bank of America 's policies and procedures have caused a loss for the amount of {$2600.00}. With my limited income and as a new immigrant, this is causing me and my family an unbearable financial burden and I 'm unable to pay my rent. 
As I have exhausted all other options for resolution, I am writing to you and hoping you could help me understand why the bank 's policies are applied inconsistently. I do not blame the bank for the fraud, I blame the bank 's policies which when applied inconsistently may result in financial loss for the customers. I have also contacted the police which is investigating.
I used XXXX XXXX to check my credit report and I have several " hard inquiries '' that I don't recognize. How do I remove these from my report? 

- XXXX on XX/XX/XXXX - XXXX on XX/XX/XXXX - XXXX on XX/XX/XXXX - XXXX  on XX/XX/XXXX - XXXX on XXXX XXXX XXXX - XXXX on XX/XX/XXXX Thank you
The company FMS Investment Corp. XXXX informed me that I would be participating in the Loan rehabilitation program which would reduce fees and costs associated with the transfer of the loan to their company and take away any interest accrued. I have been dealing with this company since XX/XX/XXXX, all the paperwork I have received has said that I was in this program, and I have talked to several employees there of which multiple have informed of the above stated information. Today on XX/XX/XXXX I was informed I was not in the program and none of the above mentioned services would be provided. The information I have been receiving was false and extremely misleading. I informed them that if I would have known this I could have paid it off sooner rather than it gaining interest that I would end up paying back. They stated they were sorry of the misinformation.
They call me 2-3 times EVERYDAY, they do not tell me who is calling. They just call and hang up after I answer, i receive their calls from XXXX to XXXX consistently waking my family.
I defaulted on a car loan in XXXX. The car was repossessed in XXXX. On XXXX/XXXX/XXXX, I was informed by my HR dept that I have a wage garnishment from the agency of Peroutka, miller, klima and peters, XXXX md XXXX. I have never received any prior notice this action was going to take place. I never received any notification that court action was going to occur. This matter is over XXXX years old. I believe the statute of limitations should apply. I would like to file a complaint against this company and try to stop the garnishment. The lender for the original loan is XXXX.
Nationstar ( XXXX XXXX XXXX recently purchased my mortgage servicing rights from XXXX. I received a letter and email with directions for accessing my mortgage online. I tried repeatedly to access my mortgage using the link for about a week starting on XXXX/XXXX/XXXX. A message popped up that indicated the website could not process my request and I should try back later. There was also a number on that website splash screen. I finally called the number and the entire menu was spoken to me in XXXX!! Luckily, I live in XXXX and understood it well enough to push option XXXX. I was greeted by an English speaking rep who told me they were aware of the issue with the XXXX greeting and telephone menu. They said to wait until I received the welcome package in the mail and try again. I called back just now ( XXXX/XXXX/XXXX ) to try to resolve the issue and the welcome message was still in XXXX!! I 'd XXXX everyone who 's loan transferred from XXXX to XXXX XXXX as part of this transaction had to deal with the same issue. I have no idea why this was n't corrected in XXXX weeks that elapsed between my first call and subsequent call. The phone number is XXXX. You can try it yourself.
XXXX : Citibank promised me a {$400.00} bonus for opening a checking account. 
XXXX : Citibank reneged on this promise. 
XXXX : I filed a complaint XXXX with CFPB. 
XXXX : Citibank promised to pay bonus on or around XXXX XXXX. 
XXXX/XXXX/XXXX : Citibank again reneges on promise. 
XXXX/XXXX/XXXX : I filed a complaint XXXX with CFPB XXXX/XXXX/XXXX : Citibank promised to pay bonus in 48 HOURS and left contact number XXXX XXXX/XXXX/XXXX : After waiting 12 days, still no promised bonus. Voicemail messages to given number go unanswered XXXX/XXXX/XXXX : I am filing my third complaint on this issue
When my account got behind I made a payment agreement with them using my debit card. I had already paid off more than twice the amount of money I borrowed yet because of their insanely high interest rate they still claim I owe them as much as the day I borrowed from them. Anyway using a debit card ever with them is a BIG mistake. HUGE mistake. once I had used my debit card for what was supposed to be a single transaction when I got behind again they started debiting my account with that card on a daily basis. When I called they said that legally they were allowed to do so until my contract was up to date. My contract says nothing of the sort! Do not ever authorize a one time debit payment with this company because until you cancel everything with your bank they will bleed your account dry and not even bother with the contract arbitration that they have you sign. You are better off to use rent a center or aarons than these people. This company is predatory lending at its finest, ripping people off draining their bank accounts and socking bank charges on top of their own charges and fees.
I had mailed them a letter datedXX/XX/XXXXrequesting that they discontinue calling me. I had received an acknowledgement letter to my request dated XX/XX/XXXX. I did receive another phone call from them on XX/XX/XXXX at XXXX XXXX in which they did not leave a message. Then I have received another phone call with a voice mail from supervisor named XXXX XXXX this morning XX/XX/XXXX at XXXX XXXX wanting to follow up on my letter asking them not to call me anymore.
I have sent five letters to Experian asking them to validate a collection account that is being reported on my credit. The account in question is XXXX XXXX. I have asked Experian to remove this collection off of my account due to the fact I have no signed contract with this company. This particular collection account was previously listed on all 3 bureaus, however XXXX and XXXX  has since removed this collection off of my credit report due to the fact it couldn't be validated. I am just requesting that since 2 out of the 3 couldn't validate this account how could Experian. Experian keeps sending me a generated template but not the information request asking them to provide with a name of person spoken with, for example in order to validate this account. I have proof that XXXX  has removed this collection. XXXX has also
Winberg Mediation Group contacts every person and even employer they can. they called my parents brothers former and current employer. informed them that i was being sued. additionally have threatend me with a law suit if they werent paid. as recently as today by XXXX XXXX. Attached is a copy of a message left for my boss
I applied for a CITI Simplicity credit card with the intention of using the balance transfer offer. I submitted my application online. As I was waiting for my approval status, the website refreshed and provided me with an error message. I then called CITI credit card applications customer service to notify of the issue and to find out the result. I was notified that I was approved for a {$2000.00} credit limit. I notified the customer service representative that I would like to request that the limit be increased. I was told I needed to wait until the card arrived in the mail then to call back with the request. About one and half week later I received the card and placed a call to customer service like I was told. It took XXXX attempts for me to be able to speak to a service representative. The first XXXX attempts, I was on hold for 40 minutes and could not hold any longer. The XXXX attempt, my call was answered in 10 minutes. I then requested for my line to be increased to {$7000.00} because the reason for me in applying is to perform a balance transfer and {$2000.00} is not enough. After providing additional information, I was notified that I was not approved for the increase. I asked the representative about options on how I could withdraw my application and I was told that I needed to withdraw my application the day I submitted the application. She said that my account was already open and I can not withdraw my application. This is troubling because I was told I needed to wait for my card to arrive in order to negotiate the credit limit. However, I was never notified that there was no option to withdraw the credit application if I did not like the terms and conditions. Other banks always have provided the opportunity to withdraw a credit application, im not sure what makes CITI different.
I would like to start by saying that I have enjoyed a very professional and courteous relationship with Navy Federal Credit Union. The staff is usually available and excited to assist with any issues and or concerns. 

Unfortunately, in this instance I have spent countless hours on the phone with various people including a Supervisor regarding this issue with no resolution. Initially in XXXX we were approved for an auto loan with Navy Federal Credit Union. At the dealership we were extended an offer with 0 % APR. We accepted that deal and proceeded to purchase the vehicle. We then were going to refinance the loan with Navy Federal in XXXX and received an approval on XX/XX/XXXX The decision was made not to proceed with the refinance at that time. 

Navy Federal Credit Union was promptly contacted and advised of our decision. I was advised that the initial check from XXXX was going to be voided and that a subsequent check was going to be sent ; however due to us cancelling the loan it was never sent. Navy Federal Credit Union is now reporting this loan on our credit report. Since this loan was never fully executed this should not be reporting on our credit reports. I have made many phone calls to them and was promised a deletion however it has not materialized. I am concerned about the negative impact that this will have on our credit. We have worked very hard to maintain a positive credit file and need this resolved urgently.
On XX/XX/2018, I sent a Cease and Desist letter to the public address of the company including my current contact information ( phone, address, email ). The letter requests that the company cease and desist calling family, personal contacts and co-workers and my workplace.
I am very disappointed that Chase has not honored the terms of the offer I opened my checking account under. My employer has made XXXX direct deposits of my paycheck to my new account. Chase is claiming these are not direct deposits and not posting the {$300.00} credit as promised. I consider this wrong.
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX SOC SEC # DOB CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX/XXXX  Closed : XX/XX/XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX NOT MY AUTHORIZED USER XXXX  XXXX XXXX  XXXX {$5100.00} Last reported : XX/XX/XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports. 

Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
We were told by Bank of America ( BoA ) that we were required to pay Flood Insurance. They added the cost to our mortgage payment as escrow. We disputed it, telling BoA that the home was not in a flood zone and were informed that based on the FEMA map it was in a flood zone. My wife called to find out what we needed to do to get this Flood Insurance requirement removed. She was told by the BoA representative that we need proof from FEMA that the home was not in a flood zone and that we would have to pay the Flood Insurance premium until we provided such proof, but that if we were correct and the home was n't in a flood zone the Flood Insurance premiums would be returned to us if we requested a return of paid premiums. 
We provided the FEMA determination and a request for a return of the paid premiums and called to follow up. We were directed to contact the insurance branch of BoA who informed me that what we provided only removed the home from the map as of the date of the letter. I contested that this means the home was and is not in a flood zone and the letter also says that any XXXX will refund the premiums paid for the current policy year. At which time the representative informed me that we did n't have XXXX, even if our escrow account says Flood Insurance. And they would not be refunding our paid premiums. 
I told her that " they misinformed my wife and that they just want to keep our money. We never needed the insurance and do n't need it now and this money should be refunded. '' to no resolve.
I tried to reapply for Income Driven loan repayment program, but keep being given false information and have had my interest rates rise over the last five years to unpayable amounts. The company is asking that I make payments of {$1300.00} USD per month even though I only make between {$45000.00} next after taxes each year. My original loan provider was also XXXX XXXX and Navient does not even have all of my information about my previous loans. My current loan balance is over {$130000.00} and has not been chipped down at all, even though I made over {$10000.00} in payments for the XX/XX/XXXX annual year. On Monday, XX/XX/XXXX, I made a call to complain about repayment terms not reflecting the income driven repayment plan and was told that I had to reapply again through the federal website ; even though I had spoken with a manager at Navient in XX/XX/XXXX who said everything had been taken care of
I deposited a check using their American Express Serve mobile app on XXXX XXXX, 2015 and it said that the check will clear in XXXX business days. When I logged into my account on the XXXX business day the money was not available, I called American Express Serve to let them know the money was not available and the transferred me to a XXXX party company called XXXX. XXXX told me that the check was approved and it was up to American Express Serve to make the funds available. I called back American Express Serve to tell them what XXXX said to me and I got the run around, rude and sarcastic answers from the rep. I do n't understand why my money is not available to me since the check was cleared. I am counting on that money to put gas in my car to go to work and buy groceries now I am without money today.
I have several unauthorized credit inquiries from Ally Financial from the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I did not authorize inquiries on any of those dates.
XX/XX/2016 I purchased my home and my loan was sold and serviced by Freedom Mortgage. The mortgage was an FHA loan. In XX/XX/XXXX I received an offer from Freedom Mortgage for the FHA Streamline refinance program and I applied in order to reduce my rate. Initially, the closing was going to occur in XX/XX/XXXX until I was notified the program requires 6 months of on time payments. Given my mortgage was new the 6th payment would not be made until XX/XX/XXXX. I remained in communication with the loan processor XXXX XXXX, who told me everything was fine and once the XX/XX/XXXX payment posted we 'd move to closing. My payments are setup to pull automatically every month on XX/XX/XXXX and have been since the loan 's inception. My Bank account can show this. On XX/XX/XXXX I followed up with XXXX to notify her the payment had been pulled. Around XX/XX/XXXX my wife, who is a co-signer, received a Credit Denial letter. I myself have not received a decline letter. The reason for the denial of credit was due to a late mortgage payment. This is inaccurate and they should know better since they can see my loan payments are pulled by their system every month automatically. When I inquired about this the processor pointed to the loan officer, then loan officer pointed to the processor, and then the processor pointed to the underwriters. Nobody was willing to admit a mistake was made and to correct it. Finally I got a manager 's information from XXXX, her name was XXXX. She too was of no help and would not recognize their mistake. 
This is unacceptable practice. The denial reason is bogus and easily corrected if they would simply check their system and confirm the loan payments are automatically drawn each month. I called their customer service to confirm we were current, and they concurred. Clearly a disconnect between their departments and information between the two. 
What is even more upsetting is the rate lock has expired now and with the rising interest rates over the past few weeks I will not get the rate which was originally locked at 3.75 % even if they were to reopen the application. This rate reduction would have saved me over {$25000.00} in interest and I intended to keep my payments the same at which I pay today. This would have eliminated close to 4 years off my mortgage.
I have never lived in XXXX. That information is not correct and should be corrected. My husband lived there at one time but we were separated. The only address that should be listed is XXXX XXXX XXXX, XXXX, MD XXXX. I have lived here all my life.
I submitted a complaint # XXXX on XX/XX/XXXX. Subsequently on XX/XX/XXXX I received a fax of notice of toll violation previously unreported to me by XXXX XXXX ( attached ). on XX/XX/XXXX I received a message from XXXX the manger I had been speaking to saying that per my instruction they received the notice of this violation but did not pay. She also informed me they would pay if they received another notice. I was able to reach her by telephone on XX/XX/XXXX. The recorded call call was around XXXX. I told XXXX that I was taking care of the violation per instruction of Delaware Dept of Transportation. I asked again why a notice dated XX/XX/XXXX took so long for them to receive and why I never got a copy. I also pointed out that this was a " Final Notice of Toll Violation. '' The notice she had faxed me on the next day 's violation was just a " Notice of Violation '', meaning there are at least two notices and perhaps an earlier notice before administrative charges accumulate of which I never received notification. the copy of the violation she had previously faxed me me was for {$54.00} but they paid {$91.00}. It is unknown to me whether they were issued a Final Notice invoice for {$91.00} or just paid the new total since they " received it after its due date. She had previously blamed these delays on the mail, but I was told that that the notices went from their office in XXXX XXXX, MD to XXXX to XXXX XXXX, TX and that is where they are marked " received ''. That is 4 weeks. Clearly the delays ware internal to them. She also told me that it took time for them to identify who the lease belonged to as the violation only lists the tag number. I was incredulous and asked if she really wanted to tell me that on a recorded line- that there was an arduous process to match my tag tag number with my identity. I asked if I could talk to her supervisor who could explain in detail this whole process and also explain why they quoted that paragraph in my lease as justification to pay a violation on my behalf without even notifying me, and she said there was no one else to speak with but her. I then informed her that I had filed a complaint with you and would wait until I heard something before I took additional action. She then threatened my credit- yes, on a recorded line. I responded that if that happened I would engage counsel. On Saturday, XX/XX/XXXX i received a letter ( attached ) form XXXX XXXX XXXX  with a copy of this last notice in question. You can see it is marked " received " by them on XX/XX/XXXX.  Interestingly they were able to mail this to me for me to take care of. I have no idea if this is because I told them not to pay it when I learned of it quite by accident o=r not. That said you can see that even on the back of this final notice there is a page which allows me to correct the mistake and pay the original toll- if XXXX XXXX had given me the chance. Again, all of these issues are the result of a faulty transponder. XXXX? Hyundai had no right to withhold these violations from me, pay violations with added administrative fees and then demand payment from me and threaten my credit. I hope you will act and resolve this on my behalf.