WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018 I wrote a personal check issued by the XXXX XXXX XXXX  to my husband in the amount of {$2000.00}. He deposited the check via Bank of America local ATM ( where he holds his checking and savings account ) the same day XX/XX/2018 at XXXX. The print-out receipt, which includes a photo-shot of the deposited check, stated that " A hold has been placed on your deposit. Total amount delayed {$2000.00}. Reason : A hold was placed on your check ( s ) because specific information indicates item may be returned. '' On XX/XX/2018 I called the XXXX XXXX XXXX XXXX   automated service and verified that the check issued to my husband in the amount of {$2000.00} was already withdrawn from my account as of XX/XX/2018. My husband and I immediately called the Bank of America to clarify the situation and complain about the unreasonable length of their hold on our check, especially considering that the funds were already withdrawn from my XXXX XXXX account. 

We first spoke with a representative ( my husband has a profound XXXX XXXX and authorised me to speak on his behalf ). Getting no satisfaction, we asked to be transferred to the supervisor. XXXX XXXX, the supervisor who spoke to us, informed us that there was nothing the bank could do to expedite the availability of the deposited funds, and the {$2000.00} will not be available earlier than XX/XX/18, despite the fact that the money was already withdrawn from the bank issuing the check. We advised the supervisor that according to the federal regulation on ATM deposits, if the deposit is made with the ATM of the bank that holds the account, a check in the amount of over {$200.00} should be available after two business days. Still, the supervisor insisted that nothing can be done to make the funds available to us prior to the XX/XX/18 date that was stamped on the initial deposit receipt. No one has ever advised us that Bank of America can have such liberties of putting a hold on the check for such a lengthy period of time, and after the funds were already withdrawn from the account of the issuing bank ( XXXX XXXX ). Thank you very much for your help.
I challenged the accuracy, compliance and reportability of two bankruptcies a Chapter XXXX and Chapter XXXX showing on my credit report on XX/XX/2018. I asked for XXXX, Experian, and XXXX  to please validate this information with United States Bankruptcy Court XXXX XXXX of Alabama and provide me with copies if any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. I received information for all three bureaus stating it was verified and will remain. The bureaus never contacted the courts but instead they reached out to a third party XXXX XXXX to provide this information. I have opted out and placed a freeze on my credit and consumer file which is attached as well as a letter from the United States Bankruptcy Court XXXX XXXX of Alabama stating they do not report this information.
When closing in XX/XX/XXXX, Ditech did not explain that I would have to file for homestead exemption in my state. I only learned of this AFTER they raised my payments in XX/XX/XXXX to cover the " underage '' for payment of county taxes. I had to contact the county, fill out and file paperwork to get it backdated. I did so, but it took the county a few  months to process everything. In XX/XX/XXXX, Ditech did two analysis, but only sent a check for {$180.00}, even though they had received a check from my county at the end of XX/XX/XXXX or beginning of XX/XX/XXXX. I did get a reduction in my mortgage payments in XX/XX/XXXX. I called FOUR times to have them send the check to me ( the county had  to send it to Ditech for reimbursement to us since Ditech had sent the county the money ). EACH time I was told NO other analysis had been run and that they would escalate it. This is approximately $ 1,400-plus that they have kept over the 30 days allowed. It wasn't until my wife blasted them on their XXXX page that we had any positive communication. She posted on XX/XX/XXXX, and again on XX/XX/XXXX. The claimed to have mailed a check, but as of XX/XX/XXXX, no check has arrived. I believe they have violated federal law on keeping the money longer than 30 days and refusing to refund the money, even though they acknowledge " the check is in the mail. ''
The attached accounts were removed by EquiFax in XXXX 2015. They were added back by EquiFax which is in violation of the Fair Act. I have attached the removal as reported by EquiFax and the adding back on XXXX 2015.
Dear CFPB : Submitted Taxes Return for 2016 IRS sent letter stating we owed + {$4000.00} more dollars. 
IRS stated in default if not fixed immediately. 
Trying to set up payment plan with IRS, will not until 2016 is resolved Called Wells Fargo, working on it. 
Wells Fargo applied Lates Fee 's to a Mortgage Credit Refund, which DI NOT result in a check refund, but did alter out tax return. 
Required to fix IMMEDIATELY or IRS will put LEAN on house.
I am a victim of Identity theft, I sent this company all the evidence that they needed to prove that I am a victim of identity theft and that accounts were fraudulently opened without my consent or authorization, I did not benefit with anything from this accounts opening, neither do I know who fraudulently opened this account. I sent this account my dispute on XXXX but Until now, Nothing has been deleted. 

For YET another time, this account is fraudulent and I need deleting from my report ile asap : XXXX XXXX XXXX Account REF # XXXX, Original Balance {$7000.00}, Date Opened XXXX I am looking at filing a lawsuit against this company if they continue to ignore my disputes and remove this fraudulently opened account from my credit report. 
I have enclosed herewith 1. Identity Theft Report 2. Proof of identity 3. Section 605B of the Fair Credit Reporting Act 4. dispute letter
I reached out to Wells Fargo concerning my mortgage payment and asked for help in filing a Loan Modification. During the process Wells Fargo has given us 4 to 5 different Loan Modification Specialist and each time they lose paperwork, we 're having to start the process over again and requesting us to scan and fax papers over again. I believe this is one of Wells Fargo tactics to say they 're trying to help but only assigning us to different Loan Modification Specialist and will continue until we so far behind we have no other option but to file bankruptcy. I do n't believe Wells Fargo is trying to help us save our home. We have enough money coming in to keep the mortgage paid on automatic draft once a month due to my spouse military XXXX of 70 % and the military is working to increase her military compensation. Due to the weather and recent hurricane damage we needed time to make repairs on our home and reached out to Wells Fargo for help with this matter. Wells Fargo has open many Checking and Saving accounts in my name without my approval but ca n't help me with a Home Modification. I would like someone from Wells Fargo to truly devote their time to helping us save our home. 

XXXX and XXXX XXXX Loan # XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX
I've started two XXXX transfers from my account on Coinbase - XXXX and XXXX on XX/XX/XXXX and XX/XX/XXXX, respectively. Got replies that the transfers are supposed to clear on XX/XX/XXXX and XX/XX/XXXX and both are still missing. The funds are gone from my Coinbase account and have not appeared on my bank account, which leads me to believe that the transfers were never done at all. I have received only generic replies from their support and it looks like nobody is actually dealing with the issue.
EQUIFAX has failed to provide me with a copy of any original documentation for example, a consumer contract a with my wet-ink signature on as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. 

Please be advised that EQUIFAX HAS NOT under Section 611 ( 5 ) ( A ) of the FCRA - EQUIFAX are required to " ... promptly DELETE all information which can not be verified. '' Under The FCRA in Section 609 ( c ) ( 2 ) ( E ) it states : " A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified. '' Copies of copies are not a form of Validation, and by Law are not considered proof. Under the Fair Credit Reporting Act, unverified, invalid accounts must be removed. EQUIFAX is unable to provide me with a copy of the verifiable/validated proof that you have on file, within 30 calendar days from receipt of this notice, by law you have to immediately remove the aforementioned item in dispute from my credit report.
XXXX, XXXX, XXXX XXXX and compass bank have failed to do anything sent police report and hacking reports
I spoke with XXXX people at Cach LLC. The XXXX was a man who was very threatening and said my husband would go to XXXX, etc if I did not pay back his debt that we did not know about. The XXXX was an aggressive woman who actually called me a XXXX after she threatened me. I was legitimately very scared after they threatened my husband and myself. We do not even know what this debt is for and when I asked the man he said he did n't know. Now my husband 's credit report was hit with a civil judgement.
I returned a XXXX XXXX XXXX in XX/XX/XXXX. The lease was not up until XX/XX/XXXX ; however, I returned it early in connection with leasing a new vehicle. The new vehicle is a XXXX XXXX XXXX XXXX. Both leases were through XXXX XXXX XXXX. 

The dealership promised to pay all remaining amounts due on the lease ( excluding excess wear and tear ). I received confirmation several weeks later from XXXX XXXX XXXX that no further amounts were due on my XXXX XXXX when I received the next statement that showed a XXXX  balance. 

In XX/XX/XXXX ( 5 months after returning the vehicle ), I received a bill from XXXX XXXX XXXX for {$310.00}. There was no documentation explaining why I owed this amount. I tried calling XXXX XXXX XXXX but could not get through. I left a message but no one ever returned my call. This was the first I ever heard that any amount was owed on my XXXX XXXX. 

Approximately, 3 weeks later, I received a call from a debt collection agency ( XXXX XXXX ). I explained the situation and told them that I was contesting the bill. They said they would put it in for challenge. I did not hear from any one again until XX/XX/XXXX when XXXX XXXX called me again. I once again told them that this was to be challenged and they told me they would come back to me. 

I finally received a letter on XX/XX/XXXX from XXXX XXXX. It included a description of amounts charged by XXXX XXXX XXXX and amounts paid. It ends with a balance of {$310.00} ; however, it never explains why these amounts are owed ( e.g. missed lease payment, fees, damage to vehicle ). It also claims this letter was sent to me on XX/XX/XXXX ( 4 months after lease termination ) ; however, I never received it.

On XX/XX/XXXX, I was finally able to reach someone at XXXX XXXX XXXX. They told me the amounts owed are for a missed lease payment. I explained to them that the dealership had agreed to pay all go forward lease payments. They told me " that was my problem '' and tried to connect me ( again ) to XXXX XXXX. I called the dealership and they told me that all lease payments were made. 

XXXX XXXX XXXX has submitted this issue to credit agencies and damaged my credit score.  They have also told me I owe money on a lease ( 5 months after lease termination ) but never provided me with any disclosure as to why I owe this money. They also will not even discuss this issue on the phone with me. I would like to know whether this is truly my obligation to pay and would like my credit score repaired. I would also like to make sure that XXXX XXXX XXXX provides full, adequate and timely disclosure of amounts due by their customers.
Greetings, There is a company name Alltran Education , Inc who claim I owe an unverified amount on a student loan which the company has not verified pursuant to FDCPA 1692g ( b ). The company allege in one letter I owe an amount that is different than the amount in a second letter and that amount is different that an amount in a third letter. 

Egregious tactics on an alleged debt I do now owe.
RE : XXXX XXXX XXXX XXXX Account # : XXXX To Whom It May Concern : This is a request for deletion of a disputed item. I have attempted to have this alleged debt verified by the alleged creditor and collection agency to no avail. I am respectfully requesting the collection agency do what is legally mandated by the FCRA and FDCPA, and delete the following account listing : XXXX XXXX XXXX XXXX Account # : XXXX I previously sent a demand for validation from me and they have failed to provide any proof or respond in any way. I sent a second letter. Again, I have received no response. I sent yet another letter. Again, I received no response. The FDCPA states that collection activity must cease until they have produced verification of the alleged debt if so requested. 

As per the FTC, this includes reporting to the credit bureaus, which they obviously have done illegally. It is quite evident that no such proof of this alleged debt exists or they would have provided it in the previous months since it was requested. Also, when an alleged debt is disputed, a notation must be entered on the debtors report showing the item as in dispute. Again, this was not done. Another violation of the FDCPA. 

As per the FCRA, if no proof of debt exists, it may not be reported to the credit reporting bureaus. The FCRA also states that the credit reporting agencies must accept written proof from the debtor. Therefore, I am not asking for an investigation to be done. I am requesting that the entry be deleted in its entirety since there is no proof of its existence. 

Sincerely,
Unfortunately, my vocation in life did not come with strong financial guarantees. I work for a XXXX XXXX as a XXXX XXXXXXXX for XXXX XXXX XXXX XXXX. While being mom to my work kids, I am also a single mother of XXXX. I am grateful for the education I received and work that I do but I have always struggled with my student loans. This has led to default, and recovery, and default again. Every time I get into a decent situation like a low repayment rehabilitation agreement, the regular payments that follow become too much. Finally, I found my way to income driven repayment plans and public service loan forgiveness. This looked like it would lead to a reasonable future where I could handle this burden only to find out that the window to that future closed on XX/XX/XXXX. Back in XX/XX/XXXX I had begun researching these options and had put in a request for my loans to go on hold while I applied for consolidation. However, I had been in so many plans that turned out poorly, I had wanted to consult with a professional beforehand to make sure the option I had chosen would not come with dire financial consequences down the road. At this time I was informed that my loans were defaulted, that I would not be able to consolidate, and I could not even get into a rehabilitation agreement if I wanted.
On my credit report it states that I owe more than what 's actually owed. I called the debit collection agency they stated that they just rounded the debit off.
My mortgage specialist will not return my calls from wells Fargo.They seem intent to continue to foreclose without answering to my concerns .Borrowers with less of a circumstance have modified I am deserving of responses to my left messages
I HAVE RECEIVED PHONE CALLS AT MY PLACE OF EMPLOYMENT AND THE NUMBER HAS LEFT GENERATED VOICEMAIL MESSAGES STATING THEY HAVE ATTEMPTED TO REACH ME XXXX TIMES..IF I WOULD LIKE TO RESOLVE THIS ISSUE PLEASE CALL XXXX
Yes .. Bank of America Customer Service Dept .. ABSOLUTELY ATROCIOUS .. after I complained to a manager .. they started retaliatory behavior against me .. 

Not sending me new debit cards on time .. or AT ALL!! This happened on at least three to four occasions The Claims Dept .. putting false information in my info file with Bank of America They noted in file when I called claims dept on XX/XX/2018 that they called me on XX/XX/2018 at XXXX XXXX  .. at : 1 ) OLD PHONE NUMBER OF XXXX XXXX XXXX .. WHICH I HAVE NOT HAD IN A COUPLE OF MONTHS AT LEAST AND I UPDATED ALL INFO WITH BANK OF AMERICA PROMPTLY!! 

2 ) NOTED ALSO THAT THEY CALLED MY NEW UPDATED CELL NUMBER ON THIS DATE .. I HAVE PHONE RECORDS FROM MY CARRIER .. NO CALLS!!! 



THIS IS FRAUD!!!!!!!! 

IF THIS RETALIATORY BEHAVIOR DOES NOT IMMEDIATELY CEASE AND DESIST I WILL BE FILING LAWSUIT!!! 


ADDITIONALLY, I JUST NOTED THAT I HAVE A {$35.00} FEE " SUDDENLY '' ADDED ON TO MY ACCOUNT .. YET I HAVE OVERDRAFT PROTECTION XXXX THEY KEEP MESSING WITH ME IF THIS IS NOT DEALT WITH ASAP. ... .. L A W S U I T!!!! 


ALSO .. GIVEN COMPLETELY FALSE, ERRONEOUS INFORMATION FROM THE BANK OF AMERICA ON XXXX XXXX IN XXXX, MD WHEN I OPENED ADDITIONAL CHECKING AND SAVINGS ACCOUNT .. THEY " ASSURED '' ME NO FEES FOR THE SECOND CHECKING ACCOUNT AND THE SAVINGS ACCOUNT! 

WELL THAT WAS A JOKE!! I AM TIRED OF THIS FRAUD AND RETALIATIORY BEHAVIOR .. 

ONE MORE INCIDENT .. L A W S U I T!!
My previous VA loan with Wells Fargo was foreclosed on. I was divorced and my wife was given the home as part of the divorce decree. She was never able to refinance. I tried to step in and save the loan even though for a house I no longer was responsible for and Wells Fargo refused to work with me per the divorce decree. As a result the house was foreclosed and my va benefits was reduced. I believe this happened as a side effect of the attention paid to new accounts versus helping existing customers. Recent news of XXXX fired wells fargo employees fueled my concerns even further that I was neglected because it was n't tied to some sales goal.
To Whom It May Concern : I served XXXX from XXXX XXXX, XXXX to XXXX XXXX, XXXX, cumulating over 26yrs of faithful and dedicated service. I was XXXX from XXXX XXXX, XXXX to XXXX XXXX, XXXX. 

The Servicemember 's Civil Relief Act ( SCRA ) enables servicemembers to devote their time and attention to the defense needs of the Nation by providing protections related to such things as rental agreements, security deposits, prepaid rent, evictions, installment contracts, credit card interest rates, automobile repossessions, mortgage interest rates, mortgage foreclosures, civil judicial proceedings, automobile leases, life insurance, health insurance and income tax payments. 

Recently, my wife and I received a letter from JP Morgan Chase, stating, " We 're writing to apologize because we may have charged you interest and/or fees incorrectly when you may have been eligible for Servicemember 's Civil Relief Act benefits or protection. 

In addition to being a JP Morgan Chase Credit Card member since XX/XX/XXXX, my wife and I financed our home with JP Morgan Chase Mortgage on or about XXXX XXXX, XXXX. 

On or about XXXX XXXX, XXXX, my wife and I sent a letter to the JP Morgan Chase, requesting the following documents/information : Audit ruling, interest rate ( s ) from XXXX XXXX, XXXX to present, charges, and fees from to XXXX XXXX, XXXX to present, interest rate increases and/or decreases from XXXX XXXX, XXXX to present, date ( s ) of increased and/or decreased interest rate from XXXX XXXX, XXXX to present, and an IRS Form XXXX ( Miscellaneous Income ). 

On XXXX XXXX, XXXX, I met with an XXXX Legal Assistance Officer. The Officer determined that Chase has settled a class action lawsuit regarding our SCRA situation. The Officer also contacted JP Morgan Chase to inquiry about the documents we requested. The JP Morgan Chase representative told the Officer that we needed to submit the request to the following address : Chase Card Services, XXXX XXXX XXXX, XXXX, DE XXXX. We mailed the aforementioned letter via certified mail to the address provided by the JP Morgan Chase representative on XXXX XXXX, XXXX. 

Based on the aforementioned discovery, we believe that our rights under the SCRA were violated because over {$100000.00} were charged to the card from XX/XX/XXXX-XX/XX/XXXX. Additionally, more than {$8000.00} was charged to the card during my XXXX from XXXX XXXX, XXXX to XXXX XXXX, XXXX. 

We are requesting that our SCRA matter be reviewed to determine if we are receiving an accurate refund for interest and/or fees accessed while we were eligible for the Servicemember 's Civil Relief Acts benefits. 

Your immediate response, time, and assistance in this matter are greatly appreciated. Thank you.
XXXX - Now XXXX - used ambiguous language to get me to agree to pay an up-front service fee to get me on an income-based repayment plan with my student loan service. While they did do that, they led me to believe that a monthly fee of {$39.00} would be paid toward my student loans. In reality, that fee was not going towards my student loans at all, it was going to some random insurance company I never heard about at any point during my dealings with them. So, they got me to believe that I was paying {$39.00} a month toward my student loans using faulty language over the phone, and in reality that money was not going where they told me it was going. I just found out about it when I checked my payment history with my actual loan services ( XXXX XXXX XXXX / XXXX ), and a representative there informed me that there are many 3rd -party companies scamming people in this way. I filed a complaint with the FTC, and I'm seeking legal council, but I need to follow through with cfpb as well.
Equifax has repeatedly denied me my credit report after I specifically requested it after I was turned down by creditors. These same creditors that I complained about submitting several inquiries from XXXX application for credit. Equifax is the most difficult to obtain any information from, the most inaccurate and should not be allowed to remain in business. Any other organization with their track record would not be. Why do they get special treatment? They continually disobey the credit laws without any recourse or action. If yours is not the agency for the job, then which is? It does no good to complain if they know nothing is going to be done. Their system of providing and correcting information from the consumer side needs to be fixed.
PNC Bank in late XX/XX/XXXX did a system conversion of their Home Equity existing loans. They changed account numbers and payment addresses. 

I made my normal principal and interest payment in XX/XX/XXXX, but PNC applied it incorrectly as a principal only payment. I suspect it is because they were in the middle of having to move payments over to the new account, but did not properly classify the payment. 

I called in early XX/XX/XXXX to tell them about this problem and to ask that the payment be classified as a regular payment. They promised that they would do so, but it appears they have made a bigger mess of the payment on my account. 

Now, I get a call from PNC debt collector team saying he sees no payment at all since XX/XX/XXXX. I can see more online on the pnc.com website than this PNC debt collector. It appear that the XX/XX/XXXX payment allocation is still screwed up. 

Now, when they get my XX/XX/XXXX payment shortly, I expect it to be as screwed up in processing. I also can no longer reach anyone at PNC call center as I suspect they are getting many other angry calls about how badly they screwed up their conversion process. 

I have been a 100 % on-time paying customer since I got this loan in XX/XX/XXXX. The fact that PNC has been so slow to fix the problem even after I proactively called and then allow their debt collector team to erroneously call customers is unacceptable.