WillisBack/dataset-financial-user-claim huggingface dataset:
I am a XXXX XXXX ( XXXX XXXX  ) XXXX XXXX veterans. That went are under a medical hardship. In XXXX Chase Mortage to over my From XXXX balance of {$240000.00}. In XXXX Chase Mortrage reported a balance of ( {$230000.00} ) to the credit bureaus. Which is the last time they reported my mortgage to the credit bureaus. This actions has adversely affected me rebuilding my credit. Chase Mortgage, turned me down for a Home Equity Line of Credit. Although, I have equity in my home. 
In XX/XX/XXXX, Chase Mortgage did a home modification with me on my home at XXXX XXXX XXXX, XXXX XXXX XXXX, Florida : XXXX. The principal amount of modification is ( {$230000.00} ) XXXX XXXX XXXX XXXX XXXX dollars and all penalties dismissed.

But, Chase Mortgage used the original purchased price and some fancy accounting, unpaid balance work. To apply extra money to a Modification which is illegal. You cant borrow money, or come out with extra money in a modification. 
Review all three ( 3 ) credit reports to see the inaccuracies.starting dated XX/XX/XXXX account : XXXX Last Hurricane season, F. E.M.A., denied me assistance because I did have enough credit. Couldnt prove I had a home loan in credit bureaus files. 
This company XXXX XXXX XXXX XXXX- Never did business with then. 
XXXX XXXX XXXX : every month is reporting to credit bureaus that I owe them money. How do I owe them money, I never did business with them?
I have been a victim of a fraudulent transaction which occurred on my Bank of America account on XXXX and XXXX XXXX XXXX, this was due to negligence and unauthorized access to my account. 
I was requested to do a favor by a person ( Friends friend XXXX ) to transfer funds from my account to his cousins account after he would have deposited the amount into my Bank of America ( BOA ) checking account. After receiving the funds XXXX which I thought were deposited by the above-mentioned XXXX ), I did wire transfer deposit matching funds ( on XXXX XXXX and XXXX XXXX XXXX ) from my account to another account as per the request. 
The funds that I thought were deposited into my account by the XXXX were the result of a temporary cash advance ( XXXX misrepresented himself as me to BOA, claiming that a previous ATM cash deposit made on my account was not visible, hence the bank while investigating the case made a temporary/cash advance into my account ), all this was unbeknownst to me at the time, I thought it was a deposit by XXXX 
Without any proper verification, BOA made a temporary adjustment totaling {$3600.00} ( {$1900.00} and {$1700.00} on XXXX and XXXX XXXX XXXX respectively ) to  satisfy the claim of XXXX. After BOA discovered that there was no missing ATM deposited funds, they rolled back the temporary/cash advance on XXXX & XXXX XXXX XXXX. All the above details were brought to my notice when I noticed my account was overdrawn on XXXX XXXX XXXX. 
I would like to make a complaint against BOA for a few major factors that I consider negligence on the part of BOA, also none of the above was brought to my attention until I noticed my account being overdrawn. BOA has myriad ways to contact me, including email, mail, phone or text message. Listed below are few of the details that I have issues with : 1 ) Allowing XXXX to manipulate then into believing that an ATM cash deposit was made on an account that clearly had nothing to do with that person. 
2 ) XXXX pretended to be me is a XXXX and I 'm XXXX, which clearly implies that the given information to an unauthorized person. 
3 ) Documentation concerning to XXXX claim about the missing ATM deposit was sent to a mailing address that is not mine, hence this documentation was never received by myself. BOA has always had my mailing address on file. 
XXXX ) A Cavalier attitude to security on the part of BOA has victimized me and made me realize that my account has no protection and is insecure. Is this how BOA treats their loyal customers? 
5 ) It seems that the security verification questions post the XXXX were my account number and postal address, which can not be called " security verification. 
6 ) Why in world would anyone grant a temporary cash advance without proper verification. 
My attorney has advised to send you this letter laying out the facts in a straight-forward manner hoping for a speedy resolution of this matter.
On XX/XX/XXXX. We bought airline thickets for my wife and myself for XX/XX/XXXX. 
For {$420.00} and {$430.00} from XXXX XXXX. 
The flight was at XXXX XXXX 
We arrived at XXXX We had the tickets on my wife 's phone. 
We prepare to get online for boarding like the rest of the people. But then we noticed that our thickets were block. It wo n't open. So coud n't board. 
I call the boarding desk and were told that they wo n't allow us in that flight. That another flight was available the next day for additional {$500.00}. 
To us did n't sound it fair. 
They overbooked! 
Then a week later they open our phone telling us to go boarding in XXXX XXXX Nevada airport! 
Of course we were in XXXX Texas in our home! 
I told our bank Bank Of America not to pay. 
We explain everything that happened. 
But ignoring our wishes. 
On XX/XX/XXXX they pay XXXX XXXX. 
I have called Federal Trade Commission Governor XXXX XXXX of Texas XXXX XXXX XXXX this frivolous charges Thank you.
I received suspicious mail after Capital One promised to the consumer and CFPB in numerous occasions. The responses are written on the stone. Look out for some signs of abuse/retaliation please.
I called Experian and I requested that the copy block the fraudulent information on my credit report. I got a letter in the mail from Experian that said that if I could confirm my identity in conjuction with providing a theft report to Experian that this is anot optional remedy of identity theft that is afforded to me. The representative that I spoke with stated they do not do any blocking of accounts, she had never heard of such a thing, she further said that it was the creditor 's decision as to whether or not to block the fraud accounts, and that Experian has forwarded my complaint to the company, contingent upon what the company 's response is regarding the fraud accounts, they will adjust the fraudulent information. The representative did confirm to me XX/XX/2017 that they received my police reports, arrest reports, a photo of my social security card, check stub with my current address, my state issued identification card, and driver 's license. I am a victim of Police confirmed identity theft. In XXXX, I sent the police reports with some of the felonious account numbers and an arrest report naming the offenders to Experian by mail. I followed up 3 weeks later and they stated they had no record of the mailed information so I sent the police reports again via fax in XXXX. Experian sent an email to me that the investigation was completed but Experian did not remove or block any of the fraud accounts and/or the identifying information such as multiple addresses for the offenders. Additionally, they show I have a social security number which is not mine. Verification of my signed social security card and number was submitted with the arrest reports and police reports. The erroneous number also has not been removed. My name appears as variations of misomer. I requested these be removed as they are not nor have been used by me and are not legally my name. They have thus since refused to do so to date.
Bank of America provided a pre selected offer then declined the pre selected offer despite having an adequate income etc. The preselection offer was made using a soft pull on my credit minutes prior to the decline and therefore is illogical.
Have received several phone calls from office of D. Scott Carruthers regarding an attempt to collect a debt. Their tactics include calling family members and using threatening and abusive language when speaking to me about matter. I have attempted to resolve matter but have been told I will be sued.
I did a balance transfer from XXXX XXXX to Discover. On top of that Discover doesn't show me what the charges where from the balance transfer. They even reported  me to XXXX when I have 18 months of 0 % APR financing. I sent a payment on XX/XX/2018 and have not received a confirmation email.
years ago they took all the money out of our account they after us with very harsh phone calls and we paired {$200.00} a month we agreed on an amount, after a few payments and I ask for their information proof of payments on their part they stop charging us. trough a judge order they took all the money we had in our account. We believed this problem was fixed. We bought a house and ask my lender to find this in my credit report and we did not find nothing. 
now after a few years ( 5 ) they are coming after us with a bill bigger than before. 
this bring a lot of stress into my family we need help. 
name of company .-Creditor specialty service inc XXXX XXXX XXXX XXXX XXXX ca . XXXX
I've been getting emails saying I might be a victim of idtinty theft and every time I put in a job application they always want me to check my credit or just seems like some one using my social and information
I owed XXXX almost 22, 000, on a private student loan. 
First they taped up a summons stating that I was getting sued on my neighbors door, not mine. My neighbors now know my business. 
I received notarized mail from someone with a fraudulent name. " XXXX XXXX '' attempting to collect money by this collection agency. 

Lastly, I spoke to a representative that worked out a repayment agreement of me putting down {$1200.00} and to making monthly payments of {$240.00} until XXXX, XXXX is paid off. 
They sent me triplicate contracts stating that I will pay the full amount of the loan ( XXXX ) with monthly payments of {$240.00}. This isn't what I discussed with them. When I questioned them as to why the contractual agreement sent to me didn't state the specifics of the repay agreement I made them on the phone. The collection worker just kept questioning me as to why I wouldn't sign the form and that they would get another department involved. 
I have called this persons supervisor three times over the last three days and she has yet to get back to me to answer my questions. 
I feel that the Foster & Garbus LLP made a verbal agreement on the phone and now are purposely sending me forms with whole amount to be paid with no mention of the amound we agreed I would pay.
Last XX/XX/XXXX, I sent this company a dispute letter disputing several items that have been reported incorrectly and notified them what these issues are. To my dismay, upon downloading my credit report today, XX/XX/XXXX, my credit report still shows incorrect information and several missing information. From remarks/comment saying that the account was disputed to inaccurate and incomplete payment history. They are incorrect information as well such as the account opened date and Highest balance. Attached to this complaint is a copy of the letter I sent this company dated XX/XX/XXXX
FTC ID Theft Affidavit attached. Please block the tradeline listed per 605B of the Fair Credit Reporting Act. Collection Account - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX dob XXXX/XXXX/XXXX SS # XXXX XXXX has agreed to remove XXXX unauthorized inquires from my Transunion report. I did not apply and have no credit with these people. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX my id is attached please verify my signature
I had {$350.00} deposited in account on XXXX/XXXX/17. I made a debit card transaction at XXXX for {$350.00} around XXXX.. I had another {$340.00} deposited into my account that same day but in smaller amounts that I withdrew out of an atm for {$300.00}. Some how the deposits got disputed by someone at Bank of America or whoever deposited this money in my account. ( Witch the party that deposited the money into my account had everything on my account because of a loan that turned out to be a scam ) Along with a payment i made to ( myfloridacounty ) on XXXX/XXXX/17 for {$160.00} for a speeding ticket. It turned them into temporary credit adjustments. I did n't file a claim or call fraud department. They have all that recorded when u call. I had a pay check deposited from XXXX XXXX on XXXX/XXXX/17 like I always do every week on Thursdays morning. I was -XXXX when I went to the atm. I called Bank of America a bunch of times and called claims department. I went to XXXX Florida branch and Got treated like trash on the bottom of there shoes. The manager at that branch said that the temporary adjustments were n't there to withdraw. I said I did n't make those claims and did n't care about them cause they were deposits that i used my debit card on. Not credit!!!! Until she pointed out the one about my ticket that i did n't notice. Money was n't available for withdraw or to spend. When she got tired of me telling her how can I use my debit card on something that is n't there. She said I ca n't help you!! I got told why would I spend some one else 's money that was n't mine as I was leaveing. Called claims back and i thought I was getting some where but did n't so I closed my checking and saveings account. I got some emails where they bounced them deposits after closing account.
Transunion has deleted 14 months of information on the account " XXXX '' causing the account to remain well over 7 years on the report. Enclosed you will see my Transunion report of XX/XX/XXXX. It shows the DOFD on this account at XX/XX/XXXX. I was expecting this account to drop off around XX/XX/XXXX. 
But then, for some unknown reason, notice the enclosed report of XX/XX/XXXX. It shows the payment information DELETED from XX/XX/XXXX to XX/XX/XXXX causing the DOFD to be moved to XX/XX/XXXX. Which has caused this account to remain on file. You can clearly see that they simply deleted 14 months of information. Transunion says this account is updated and correct even after I MAILED this information to them! 
I 've been fighting this for months now and am trying to avoid legal ( $ $ $ ) action.
I HAVE 6 LATE PAYMENTS ON MY FEDERAL STUDENT LOANS. I WROTE TO THEM ( XXXX XXXX ) SAYING THAT THE LATE PAYMENTS IN QUESTION WERE DUE TO APPLYING FOR THE INCOME DRIVEN PAYMENT PLAN AND TO PLEASE REMOVE THE LATE PAYMENTS FROM MY CREDIT REPORT. THEY MISTOOK THIS AS ME ASKING TO BE DEFERRED AGAIN ( I HAVE ALREADY BEEN PAYING FOR OVER A YEAR WITHOUT MISSING A PAYMENT ), WHICH I DID NOT WANT.

I JUST WANT THE LATE PAYMENTS REMOVED FROM MY CREDIT REPORT DURING THIS TIME I WAS APPLYING FOR INCOME DRIVEN PAYMENTS, I COULD NOT MAKE THE PAYMENT INSTALLMENTS THEY ASKED OF ME, WHICH IS WHY THE MARKED THE PAYMENTS AS LATE UNTIL MY PAPERWORK WAS COMPLETED.
XX/XX/2016 - centurylink account closed XX/XX/XXXX - centurylink withdrew funds via ACH without authorization Calls made to XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX all time they acknowledge {$81.00} refund owed because of accounting error. Promised date of funds return past multiple times. On XX/XX/XXXX representatives stated charges would be reversed on the same day as they should not have been charged. At 1 month + since that date with no refund. Multiple calls to reps whom state an additional 7-10 days to process for every call date listed above. Fraudulent ACH withdrawl claim processing through bank as XXXX refuses to refund fraudulent ACH withdrawl.
In my credit report I have a 30 day late payment report on XX/XX/2017 report by XXXX XXXX /ACCOUNT NUMBER XXXX .... 
The information is incorrect and should be corrected to no late payment.
XXXX XXXX repossessed the vehicle on XX/XX/2018. We reinstated the loan on XX/XX/XXXX, which included the repossession fees of {$700.00}. There was to be another {$120.00} that would be billed at a later date. That was told to us by XXXX and the company the repossessed the car, which was fine. Since we reinstated the loan, XXXX has charged an additional {$700.00}, {$15.00}, and {$170.00} respectively at different times. There has been no explanation as to what the fees are. They are placed under " other ''. I have sent XXXX 2 different letters disputing the charges and they have not responded. As you will see through the documents provided, all past due amounts, late charges, and repossession fees were paid on XX/XX/XXXX ( please see " transactions '' ) I paid the exact amount they said in their certified letter that was needed to reinstate the loan. ( see reinstatement letter ) In addition, I have provided the statement from the repo company that all fees are to be capped in {$120.00} ( see vehicle release fee cap ). Finally, as you will see through my documentation, XXXX has failed to produce a statement for me since XXXX ( see statements ).
CHECK INTO CASH IT WAS PUT INTO HARD CREDIT INQUIRIES 3 TIMES IT SHOW XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX IT HURT ME NOW THEY DID I WANT Them to be REMOVE OFF MY CREDIT SINCE I FINALLY PAID OFF MY PAYDAY I HAD WITH THEM I PAID ON XX/XX/XXXX I PAID IT OFF WILL NOT TAKE OUT AGAIN. I feel this need to removed for my credit inquiries since been paid off the paid loan, will never take out again.
I was enrolled in Citi IdentifyMonitor without my consent and was charged a monthly fee. The program was offered by Citibank NA. The Sent me a letter telling me about a refund I am owed,
This company is in violation of the Service Members Civil Relief ACT this also covers accounts that were obtained prior to service and during service and while in a XXXX XXXX. At the time of purchase not only was I on XXXX XXXX but I was also in XXXX. My father purchase the vehicle on my name. The company has lied stating they did not find my information on the XXXX XXXX XXXX XXXX XXXX XXXX, however when I did a search for myself I found it.
I prepaid on my mortgage account ( my payment was sent on XXXX XXXX, 2016 ) to be used toward my XXXX XXXX, 2016 payment. PHH mortgage used that money toward my principal, and then proceeded to send me a late statement stating that I had n't paid my mortgage for XXXX XXXX, 2016. When I complained they " refused '' my claim, and my principal has been docked, along with my credit being affected. When I contacted PHH Mortgage, they stated that they could n't fix the principal amount because they sold my loan. I want PHH Mortgage to be held responsible for the amount that my principal was " docked '' because I had a " late payment. '' I spoke with XXXX XXXX at PHH, who told me that he could n't help me, nor could he forward my complaint to anyone.
I am writing this complaint due to the lack of communication on the construction loan XXXX that I had with XXXX XXXX XXXX. Our commercial loan officer was XXXX XXXX XXXX we meet with him at the bank about the loan in XXXX CT. We closed on the construction loan in 2016 for a 1 year construction loan with 2 6 month extension if needed. We started construction and everything was going fine. We had know problem making the loan payment because they came out of the checking with XXXX XXXX XXXX automatic. Due to changes in construction and weather we had come to the anniversary date on the construction loan and need the extension for 6 months. We reach out to XXXX XXXX early in the process to get it done so there was know problem with the loan. We than go the paperwork in the mail showing amount due on XXXX XXXX XXXX we were not done with the house. We reached out to XXXX XXXX about it and he said they were working on it. He would get back to us with something by the end of the week. We reach out again he said that they would have it done by early next week not to worry about it. We got the paperwork work late from them and than they put a late payment on my credit. We called XXXX XXXX about it and he said that should have not happen and he would take care of it for us. We tried and tried to get this fixed with him and XXXX XXXX also from XXXX XXXX XXXX she was our mortgage officer for the end of the loan when it was to go to a first mortgage on the property. We reach out to XXXX XXXX again after we closed on the mortgage to get this fixed he than at that time said to us that they can not fix it because they have an A rating an it would not look good for them. I said over and over to him you said not to worry about it you would fix it. He reply sorry he can not fixed it. I can not believe that after all this that was his comment to us. Not good business practice. Thank you XXXX XXXX
Experian isnin violation of my rights. To jave a debt collector not to harrass my and allow me to deal only with the original creditor which os a. Violation of the FAIR DEBT COLLECTION ACT, THE UNIFORM COMMERCIAL CODE, and On XXXX XXXX, 1933, Congress passed XXXX ( XXXX ) XXXX. HJR XXXX was passed to suspend the gold standard and abrogate the gold clause in the national constitution. Since then, no one in America has been able to lawfully pay a debt.
Received notice from XXXX XXXX XXXX ( XXXX ) that they had obtained a credit report from Equifax Information Services regarding a request for home owners insurance. Problem, I do not own a home, and according to customer service at XXXX, my credit report is disclosing my home was purchased XX/XX/2015. I am XXXX in live in HUD housing with the XXXX XXXX rental voucher. Equifax is now refusing to provide a copy of my credit report claiming my current address does not match the address of their file. They also are refusing to take proper action in protecting me from possible acts of fraud by allowing others to use my social security number and not allowing my access to items on my credit report or a copy of my credit report. Equifax is also stating they can not send a credit report to me becuase my legal address for two years does not match the address they have within their system. With out the credit report : I can not dispute the inaccurate information that was disclosed by XXXX over the phone and as claimed to be on the credit report. Therefore, without a formal complaint from me disputing the items on my credit report, Equifax has no obligation to conduct an investigation as why others may be using my social security number. Equifax acts provide and enable criminals by protecting them from the true consumers. Equifax has extreme poor customer service when calling by phone and is trying to sell their fraud protection before releasing my credit report for review. I was hung up on four different phone calls when asking for a copy of my report and refusing to pay for the report. I did try getting my credit report on line with the annualcreditreport link and this did work with XXXX and XXXX, yet Equifax sends by electronic message saying Online Delivery Unavailable with a contact phone number and then audio links and customer service sales people try to sell their credit Fraud Protection Services ; be very self serving!