WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, I used the Santander site to initiate a transfer of {$2100.00} from my personal checking account to my HELOC ( to pay down outstanding balance ). 

On XX/XX/XXXX, I noticed that two withdrawals of {$2100.00} were posted to my personal account transaction history : one on XX/XX/XXXX, indicating it was a transfer to the HELOC, and a second one on XX/XX/XXXX with the description " CAPITAL REPAYMENT ''. I did not make or authorize the second transaction, and could not explain it. 

As of XX/XX/XXXX, HELOC showed credit/payment of only {$2100.00}, with a date of XX/XX/XXXX. I called Santander that day to flag the second withdrawal ( " CAPITAL REPAYMENT ''  on XX/XX/XXXX ) being an error, and a service rep indicated that the XX/XX/XXXX withdrawal would be reversed and my checking account credited within 3 business days. 

Seeing no change in the accounts on XX/XX/XXXX ( neither the HELOC nor the checking account were credited the missing {$2100.00} ), I called Santander again and spoke to a new rep.I was provided a case reference # ( XXXX ), and told the case would require 5, not 3, business days to resolve, so I should anticipate the funds being replaced by XXXX. 

On XX/XX/XXXX, neither account showed the missing funds, so I called again and spoke to a new rep. He could see the case and asked where I would like the funds credited ( HELOC or checking account - I requested the checking account ) and provided a new case # for that action ( XXXX ). He indicated this would take another 3 business days and the funds should be returned by XX/XX/XXXX. I indicated that I have been waiting on the resolution for some time and am accruing interest on the HELOC and other debt due to the funds being missing. He indicated he would request accelerated processing. 

As of submitting this complaint on XX/XX/XXXX, the {$2100.00} withdrawn from my checking account on XX/XX/XXXX is still missing from both accounts. I am submitting this complaint due to repeated delays getting the funds returned and the possibilities of both further delays and not getting the funds returned at all.
XXXX-XXXX 2017, I have sent multiple letters and contacted collection agency via phone, to validate debt showing that I in fact owe them money. I have never had a pay day loan, so when I reached out to them to provide documentation they were very unprofessional with assisting me. 

I would like to be provided validation or contract from this company for said debt! I do not have a contract with this company also this company does not have an active license to collect debt in WA state
Dear sir or madam, I have XXXX federal consolidation loans with Navient, which I have been paying in good faith since XX/XX/XXXX. Due to recent information that has come to light, I believe Navient has stolen money from me and acted fraudulently over the last few years. 
First, Navient claims that XXXX years ago I chose a graduated repayment program, in which only interest would be paid back for the first XXXX years. I did not knowingly choose this repayment plan, and I never would have. They did not inform me that I was only paying back interest, not principle. This came to light about a month ago ( XX/XX/XXXX ), when my monthly bill increased without warning by nearly {$70.00}. I immediately contacted Navient, who claimed that I had been informed of this change in an email in XX/XX/XXXX. I did indeed receive an email titled " change in terms '' on XX/XX/XXXX but there was no information in the email or attached. I was not informed by email or post for the XXXX years that I was unknowingly on the reduced-payment plan. 
Second, over the last year I have consistently paid more than the minimum monthly payment. For the last XXXX months, Navient has applied my entire payment to " interest '', including the extra money. I asked them what happened to the extra money I paid, but they avoided answering the question, telling me over and over that I had chosen an " interest-only repayment plan ''. I can not imagine how it can be legal for them to apply money above the monthly minimum to interest, not principle. I believe they have stolen it. 
Third, I was forced several times to put the loan into forbearance because I was in a bad financial situation. Navient/XXXX always told me that I was not eligible for deferment, even when I was still in school or unemployed. They have thus added {$6000.00} of capitalized interest to my original principle, although I have always paid in good faith. I should have been eligible for deferment at least some of the time. 
I have tried to negotiate with Navient, but they will not cooperate with me. I have informed them that I am ceasing all payment on the loans until we can come to an agreement, but they will not back down. I can not in good conscience continue to pay a company that is stealing money from me, and fraudulently signed me up for a payment plan that I did not want. 
I hope that you can help me resolve this situation. 
Best, XXXX
I received my credit card bill and I have a credit on the account of XXXX. This bill is as of XX/XX/XXXX. I called USAA XXXX and asked that I receive a check in that amount. The first representative could not figure it out so I went a a person " XXXX '' on the " XXXX resolutions team ''. She pulled up that statement and agreed that I did indeed have this credit on the card. She said " other charges had come in '' and refused to process the check to me for {$71.00}. I indicated to her that this is a CREDIT CARD and that until my next bill date I am current on my account and that I am under no obligation to pay my bills in ADVANCE as this is a CREDIT CARD. I also informed her that she was in violation of the law and that I would be contacting you. 
She said " that is your right ''. Thus I am contacting you to have this check issued immediately for the {$71.00} and stop this practice and fine them for their flagrant violation of consumer rights.
I contacted Equifax about XXXX judgments that are still showing on my credit reports after multiple disputes and not receiving ANY documents to verify them. i gave the a call and spoke with the call center representative named XXXX. She insisted that Equifax contacted the XXXX XXXX XXXX XXXX to verify the judgments, but was providing false information because I forwarded her a sealed and stamped letter from the courthouse stating that they do NOT in fact verify nor validate information with the credit bureaus and they also DO NOT report information to them. Equifax has parroted my public information from an unknown internet source,, lied to me about where it comes from, and refuses to remove it per the FCRA because it is unverifiable. I 'll attach a copy of the court documents. Please resolve this issue as soon as possible.
I am writing again in great concern of Equifax allowing a company, named XXXX XXXX XXXX, which I have investigated, that is located in XXXX, WI, to put a {$150.00} debt on my credit report. I have never had any relationship, dealings, nor had any business provided by, nor with this company, ever. This company is listed as a family business/collection agency in XXXX, WI -a place where I have never resided, nor done any business and yet, Equifax has allowed this debt to remain on my credit report. This company has no proof of dealings with me, or of providing me any services and yet, Equifax sustains the {$150.00} on my credit report. 

I wrote in concern back on XXXX XXXX, XXXX to the CFPB, explaining that this debt was on my credit report under Equifax and that it did not belong to me. The CFPB allowed them an additional 30 days to get the proof. Still, to this date, I have not received the proof from Equifax. They sent me a note through the CFPB portal with a note stating that the reinvestigation proof of the debt was sent to me on XXXX/XXXX/XXXX and that they mailed it to me on XXXX/XXXX/XXXX. Still to date, I have not received anything from Equifax. And to receive anything after XXXX/XXXX/XXXX, after receiving an additional 30 day extension by the CFPB, would be considered late. XXXX and XXXX had deleted the this off my report due to no findings of this debt belonging to me, nor of the company proving they ever had any dealings with me. I am not sure what proof that Equifax is stating that they have from the company when I have never dealt with them before, nor have had any dealings with them. 

I would like for this debt to be deleted from my Equifax credit report, especially being that it does not belong to me and because Equifax has not proven that I owe this debt to the company named XXXX XXXX XXXX, located in XXXX, WI. Additionally, Equifax was not responsive in proving and supplying the proof to me within the 60 days given by CFPB. This is the only negative activity on my credit report and I am kindly requesting that the CFPB have Equifax remove it immediately, without further delay. I am very unsatisfied with what was suppose to be an investigation -which they called a reinvestigation. Equifax had not investigated this case until the CFPB became involved and I still do n't believe they have done so because I never received any proof from them, although they stated on the CFPB portal that proof was sent to me. Again, I have not had any dealings nor business with this company, which would prove that I owe them {$150.00}, therefore, I am requesting that Equifax remove the debt, immediately, without further delay. 

Thank you so much CFPB and I look forward to hearing back from you!
PayPal limited my account. They claimed I 'violated their user agreement ' -- but would not tell me how I did so. I 'm not aware of any violation. I have {$600.00} in the account and PayPal will not release it for XXXX days -- saying that they need to hold on to the money in case of 'charge backs '. But I have no pending transactions and I 've not sold anything using PayPal for months.
The amount owed is incorrect and has not been updated and wells fargo continues to not update the correct amount due. I have tried to make payments on this account but was told I could only pay in full and that the IRS would get a report from them on me. This was in XX/XX/2018.
I have recently been informed that there is negative information reported by Experian, for a " Bankruptcy. ''. I sent XXXX XXXX XXXX, ( who Experian reports as there CEO ) a certified letter via USPS requiring a signature, requesting " verification '' pursuant to the " Fair Debt Collection Practices Act of this " Bankruptcy. '' Verification meaning competent evidence bearing my signature. Experian received my letter on XX/XX/2017. In my letter I requested for them to remove this " Bankruptcy '' from my report if they could not provide me with competent verification with my signature. I want this " Bankruptcy '' removed. Experian did not provide me with any competent verification of this " Bankruptcy '' bearing my signature.
i do not know where this debt originally occurred, and have no knowledge of the XXXX, and any of there products. i do not know how this got on my credit.
In XX/XX/XXXX, I called Bank of America to inquire about assistance on our past due mortgage. On XX/XX/XXXX, my husband and I received a letter from Bank of America that we were assigned a dedicated customer relationship manager. The letter stated the customer relationship manager would work with us to determine if there were any programs available to help with our past due mortgage. We received by mail a packet and was informed to submit the Borrower Response Package. We faxed over all required documents on XX/XX/XXXX. We received confirmation that Bank of America received all the documentation needed to proceed. I continually called Bank of America and talked with different people and each time I was informed they had no information available. In XX/XX/XXXX we received a letter stating our mortgage was being transferred to XXXX XXXX XXXX XXXX. I contacted XXXX XXXX XXXX and was told they were waiting on information from Bank of America on the transfer. On XX/XX/XXXX we received a letter stating the transfer would not occur. I continually called Bank of America and in XX/XX/XXXX, I was informed to fax over the Borrower Response Package again, because the XX/XX/XXXX papers I faxed over before were expired. I went to a Bank of America branch and faxed over the documents again. I have called Bank of America over and over and I keep being told they have no information that we ever applied for assistance programs. On one occasion I was told it was sent to XXXX XXXX. I called on XX/XX/XXXX and was told the XXXX XXXX process would be expedited in 2 days and to call back. I called over a week later and now I am being told they have no information on our need for assistance. The only contact we receive from Bank of America now are collection letters and collection phone calls. We continue to pay any amount we can at anytime we can. We are in the process of trying to get the loan back on track and payments on time. I just keep talking to different people that have no idea what is going on and can give us no answers.
My Experian credit report and XXXX XXXX show an address of XXXX XXXX XXXX . XXXX . XXXX, XXXX XXXX XXXX, FL XXXX. I have never lived in Florida. This address has been used by someone trying to open accounts under my name and identifying information. This needs to be removed from my credit history. My credit report also shows hard inquiries by XXXX. I have never applied to XXXX for an account. This is the reason I have fraud alerts on my credit reports. These need to be taken off my credit report.
I am a victim of identity theft and someone used my personal information to open up an account with XXXX/Transworld Systems, Inc. The account is a fraudulent and unauthorized account and do n't belong to me. The account resulted from identity theft. I have been receiving harassing and threatening telephone calls and death threats in regards to the account with Transworld Systems , Inc .
I disputed recently the XXXX XXXX XXXX card that is showing up on my credit report with you because the card was opened without my knowledge this is the case of identity theft you have removed all the other accounts that were opened but for some reason the XXXX XXXX XXXX card is staying on there Equifax is the only one thats reporting this the other XXXX credit reporting bureaus have removed the account as being fraudulent why formation and do you have that 's proving this account belongs to me I mean my credit report have shown variations in my social security number being used at one point there where a couple mail forwarding addresses that have been removed at this point I mean obviously it has my name on the card and I would imagine that a lot of the information is very similar or the same this is why its called identity theft but I would like details as to what information you have obtained that has led you to the conclusion that this card belongs to me
I have been involved as a Defendant in a contested foreclosure action. I have both attempted to settle the matter and disputed the validity of the alleged debt. Unfortunately, several attempts to modify the loan were either botched or were not serious offers. I was forced to file bankruptcy to stop the sale of my home. 

There was an approved loan modification offer sent by mail which was sabotaged in XX/XX/2018 by the Ocwen/XXXX attorney XXXX along with my Bankruptcy attorney. XXXX made several token offers which did not appear to be serious. During this time, I attempted to access the Ocwen website and found that my account was blocked / flagged. My attorney has asked for a break down of arrears in which we received no response. Our calculations show the balance to be close to {$110000.00} where Ocwen claims a balance of {$150000.00}. 

I represent myself in bankruptcy and I am told by Ocwen to speak with an attorney. I am now pro se and my attorney friend is only consulting and assisting in certain areas. I informed XXXX XXXX numerous times that I represent myself and that information must be released to me only. The trigger to these events appears to be the discovery by bank Attorneys that an approved loan mod was sent " inadvertently '' in XXXX. 

The loss mitigation/loan mod program run by Ocwen was designed to fail in my case.
On XXXX/XXXX/16 I reserved a hotel room for my adult nephew using my Chase Visa credit card. On XXXX/XXXX/16, my nephew arrived at the hotel and gave his credit card to pay the room and for the costs of any expenses incurred during his stay. I never authorized the Hotel ( XXXX XXXX XXXX XXXX ) to charge anything to my credit card as I was not the guest. I never signed filled out an authorization nor did I sign any credit card slip. I received my credit card statement last week from Chase and saw XXXX ( XXXX ) charges ( {$1300.00} and {$6.00} ). I called Chase to dispute the charges and Chase refused to accept my call as a dispute. While I was on the telephone with the Chase representative today, he put me on hold and purportedly called the hotel. Chase said the hotel was n't willing to reverse the charge and that I was responsible for the charge. I asked that the disputed charge be marked as disputed and held without interest accruing until I had an opportunity to speak with an attorney. The Chase representative stated that they would not mark the charges as " disputed '' and if I did not pay them, in fact interest would accrue. I normally pay my bill in full at the end of each month. I am outraged that I am not being afforded the time needed to dispute the charge without interest accruing. I never imagined using my credit card to reserve a room would also bind me to unlimited charges incurred by someone without my prior approval or authorization. I also never imagined that Chase would not afford me an opportunity to dispute the charges without interest accruing during the dispute period. I further was infuriated that Chase would n't even accept my telephone call complaint as a dispute.
Ocwen loan Servicing LLC has started to charge a service fee to pay the mortgage payment online. They can not just decide all of the sudden that they require us to go paperless to pay online. There is nothing in my note that says they can change the terms of how I make my payment and charge a service fee. They told me I had no option but to pay the fee in the future. This is one more fee that they have decided to get in bed with XXXX XXXX and make money and it's not necessary. They either need to offer the service to all clients regardless of statement option or not at all, but to change it in the middle of the loan is ridiculous!
I have multiple accounts with SYNCHRONY BANK. 

I am attempting to change the due date/statement date on all of my accounts so that they are all on the same statement cycle date. This makes paying the cards much easier and more convenient. I have tried doing this by contacting customer service and I am transferred to someone in another country that has a strong language barrier which is preventing me from being able to effectively communicate with the bank. 

In addition to the problems above I am continuing to have an issue with my XXXX charge account. I previously issue a complaint because I opened this card and have not been able to use it. I have attempted to contact XXXX numerous times about this and have not found any success in doing do. XXXX continues to hold an authorization charge on my XXXX charge account even though they have banned me from their site and have told me that in no uncertain terms I will never be able to use the card. This was over a month ago and the authorization charge has still not been released. 

I have attached a copy of my photo ID to this complaint for verification purposes.
I ran into some financial trouble many years ago. I have made monetary restitution with everyone involved. Except XXXX XXXX XXXX XXXX wo n't fix the account reported on the XXXX XXXX? This is killing my credit score. I have mailed letters and proof to them many times, yet, they just continue to violate many of the FCRA laws.
I XXXX XXXX am writing to request a correction of the following information that appears on our XXXX, XXXX, and TransUnion Credit report : My husband XXXX XXXX XXXX XXXX and I XXXX XXXX would like to pay the debt in half or have these listed below removed from our credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX - Amount - XXXX $ Phone number- XXXX XXXX XXXXXXXX- Amount- XXXX $ Phone number- XXXX $ XXXX XXXX- Amount- XXXX $ Phone number- XXXX XXXX XXXX XXXXXXXX XXXX- Amount- XXXX $ Phone Number- XXXX XXXX XXXX XXXX- Amount- XXXX $ Phone Number- XXXX
XXXXRegional Finance ( RF ) is placing a " Forced Placed Insurance ( FPI ) '' charge on XXXX XXXX customers, including myself, according to XXXX the total XXXX employees that I spoke with. Basically, I had liability & uninsured motorist insurance on the car from day one. I was hit with this ( FPI ) in the sum of {$1800.00}, which was broken down into payments. FYI - XXXX person told me monthly, another person told me quarterly. They began charging me from XXXX forward. After getting in contact with me in XXXX, I upgrade my policy to full coverage as of XXXX XXXX, 2015. Regional Finance 's out source company XXXX, credited Regional Finance back {$780.00}. Regional Finance however is still charging me $ XXXX. even though I am in compliance with full coverage insurance. In a follow up conversation with Regional Finance, after talking with XXXX, a new number and explanation was submitted that still does not make sense. According to a supervising representative of the company, XXXX charged them {$1700.00}, plus XXXX XXXX XXXX applied a one-time interest fee of {$150.00}. The {$1700.00} was supposed to be applied for XXXX. According the supervisor, the {$780.00} credit was against the {$1700.00}, leaving a balance of {$920.00}. XXXX, Regional Finance and I have spent most of XXXX/XXXX/15 on the phone back and forth to understand and receive a satisfactory explanation. I do not understand why I am being charged for 12 months when the lapse time covered XXXX mos. 
I am currently paying MY full coverage and the XXXX that added to my account. I have no problem paying for the covered months but if they have been reimbursed why am I being forced to pay for 12 months. Again, even the multiple employees that I spoke with could not make sense of this. I am asking the BCFP to investigate these insurance companies for these types of practices. 
I believe this is a bad and unfair business practice financially effecting millions of Americans.
ASKED TO RESUBMIT MY COMPLAINT TO REMOVE AN EXTENDED FRAUD ALERT WITH MY ID AND ADDRESS PROOF XXXX XXXX  XXXX
XX/XX/XXXX Complaint about lack of credit reporting : Approximately around XX/XX/XXXX, I noticed on my XXXX app, my Capital One Credit Card information had been deleted from my XXXX Credit Report. 
Both XXXX and XXXX continue to reflect the Capital One Credit Card Account which has perfect payment history. Please dont confuse the credit card with my Capital One Car Loan. 

I have been treated like a ping-pong ball between Capital One and XXXX for more than 5 months. They both blame the other for the error. I have been told month after month by Capital One the account will be restored to my XXXX file. Only to find, after the first of each month, there has been no change. Absolutely unacceptable! 

I request my Capital One CC history be restored to my XXXX report immediately, as I am applying for a mortgage in the VERY near term and want the best credit score possible. 

This needs to be correct in time to reflect on my XX/XX/XXXX report. If a MANUAL CORRECTION is necessary so be it. My 3 credit reports as of XX/XX/XXXX are attached. 

My next step is to file a lawsuit. Ive been more than tolerant of the idiocy. 

Thank you. 

XXXX XXXX XXXX
XXXX XXXX has a collection on my file that is outside the statute of limitations as provided by federal law. I have enclosed a copy of the Trans Union file that shows that the last payment I made on the account was XXXX. I disputed this in XXXX and Trans Union violated federal law by leaving this on the file.