WillisBack/dataset-financial-user-claim huggingface dataset:
My new boss sends me a Cashiers check Monday XX/XX/XXXX telling me to deposit in my account. I deposited the check and she was very suspicious about it, asking me if imthe check cleared every 5 minutes. I called Chase bank customer service and spoke with a person in XXXX to double check that everything was right with the check. My understanding is that if something is wrong with the check, the bank is the only entity that can tell me whats going on. I tell her the story and that I thought it was a fake check and she said youre fine cause the check cleared and it was a cashiers check. In order to have one of those you have to pay cash so youre fine that was at XXXX Tuesday morning. At XXXX my boss tells me to withdraw XXXX and deposited in a XXXX XXXX account to pay for some bills, since the bank told me that everything was fine I did it and I said to myself youre probably overreacting, the bank already told you that it was fine after that she asked the for a {$200.00} XXXX XXXX and I sent it as well. By XXXX my account was negative {$3400.00} ( the amount of the check was {$3900.00} ) I called my boss and she blocked me. When I called the bank they told me that it was my fault that I should be more careful next time. I filled a complaint at the police department and called the Chae complaint department yesterday and honestly, no one really helped.The last person told me I was a scam victim and that she was sorry for the misunderstanding with the customer service rep but I needed to pay that amount by XX/XX/XXXX cause after that a debt collector was going to contact me. In conclusion, I called the bank before doing everything else, the rep told me that it was okay. When it comes to my Chase account I only trust Chase customer service. I dont work for them, they should know better!! I need them to find that conversation and deal with the situation. A miscommunication in that magnitude ruined my life basically. Now I owe almost {$4000.00} that obviously I dont have just because I trusted a Chase customer representative that didnt know what she was saying/ doing. Im really disappointed and a little scared of the situation. And at this point I believe theyre not going to help me get to the bottom of this.
Ally Financial make incessant calls prior to late payment calling my parents, neighbors, relatives to the point of harassment also divulging personal information and threats. 
They will not relent.
I HAVE A LOAN THROUGH CHASE AUTO I SENT IN A CEASE AND DESIST LETTER FOR PHONE CALLS DUE THEM CONSTANTLY CALLING 2-4 TIMES A DAY AFTER ACCOUNT BEING PD 5 DAYS PER THEIR POLICY AND CAUSING TROUBLE WITH MY JOB EVERY TIME THEY CALLED. AFTER THEY RECEIVED MY LETTER THEY MARKED MY ACCOUNT AS A " SPECIAL COLLECTIONS '' ACCOUNT WHICH DISABLED MY ABILITY TO MAKE PAYMENT THOUGH THEIR AUTOMATED SYSTEM AND OR ANY AGENT OTHER THAN THOSE HANDLING MY ACCOUNT WHICH IS A VERY LIMITED DEPARTMENT I USUALLY PAY MY ACCOUNT EVERY XXXX DAY OR SO DUE TO PAY PERIODS WHEN I ATTEMPTED TO MAKE PAYMENT THE AGENT REFUSED TO TAKE MY PAYMENT OVER THE PHONE AS HE CLAIMED I HAD TO ONLY SPEAK TO THIS FICTITIOUS DEPARTMENT MY ACCOUNT WAS PLACED UNDER I RECENTLY RAN MY CRDIT AN I AM SHOWING 2 30 DAY MARKINGS ON CREDIT DUE TO THEIR MARKINGS AND ACCOUNT RESTRICTIONS I DONT AGREE WITH REPORTING AS IF I HAD A REGULAR ACCOUNT LIKE A REGULAR CUSTOMER I WOULD HAVE BEEN ABLE TO MAKE PAYMENTS LIKE I ALWAYS DID NO ONE EVER NOTIFIED ME OF THIS SPECIAL COLLECTIONS DEPT AND NOR DID I GET NOTICES I HAD TO SPEAK TO LIVE AGENTS WITHIN THIS DEPARTMENT TO COMPLETE PAYMENT I WAS SET UP FOR FAILURE.
I received a cashier 's check to perform a XXXX XXXX survey. The survey included buying 2 money orders in the amount of {$1000.00} each and XXXX   gift cards for the total amount of {$500.00}. I subsequently found out that the cashier 's check was a fraud and my bank deducted the amount from my bank account.

I contacted Moneygram immediately after and was instructed to email the claim forms and requested a 48-hour expedited processing of the claim. I sent the email on XX/XX/XXXX. At that time, Moneygram indicated that someone did try to claim the money orders and it was under review. I was told to wait 2 days before confirming that the email was received. I informed Moneygram that the person trying to cash it is a fraud, but Moneygram indicated that they can not place a note about the fraud. Called Moneygram on XX/XX/XXXXand XX/XX/XXXX and was told to check again later. Resent the email with claim forms on XX/XX/XXXXand also sent a fax.

Contacted Moneygram today,XX/XX/XXXX, and was told that the money orders were cashed on XX/XX/XXXX Moneygram will not explain why they only received the faxed claim, and not the email. They are not explaining why they never got the email sent to the email address they provided. They cashed the money orders despite having been informed that it was a fraud.
On XX/XX/XXXX I placed a security freeze on my credit report due to some suspicious activity that I had seen on my credit report. I received my confirmation from Lexis Nexis confirming the freeze was in place. In XX/XX/XXXX I noticed some public records appearing on my credit and activity again on my credit report. I reached out the Bankruptcy court in regards to what information is released to the credit bureaus, and received a letter from The United State Bankruptcy court on XX/XX/XXXX confirming that the Bankruptcy Court does not report information to any credit bureaus. I disputed the public record ( Bankruptcy ) with the three credit bureaus but received a response saying valid due to the response from LexisNexis. I am filing a complaint due to inaccurate information being reported by NexisLexis for many reasons. With the freeze on my account, information was still being provided to third parties, and NexisLexis reported on my credit report bankruptcy information which is inaccurate and the Bankruptcy court confirmed this information as well is not and was not provided to the credit bureaus including Nexis Lexis.
A deposit was returned NSF and I asked Wells Fargo to redeposit the check on XXXX XXXX, 2016. The check cleared the bank on XXXX XXXX, 2016 and although I provided a copy of the front and the back of the cancelled check, Wells Fargo continued to hold the funds until XXXX XXXX, 2016 and charged me and overdraft fee of {$35.00} for a check that posted to my account on XXXX XXXX, 2016. They recently started holding all deposits until they, " clear, '' even if your account has enough to cover the deposit.
I paid my auto loan off in full via the lenders website by submitting an online payment which processed via ACH out of my checking account. Two days later I inquired as to when I would get the title and Ally XXXX informed me that it is " company policy '' that there is a holding period of ten days before they would release the title and then it would take 3-5 days to mail. That is a TWO week waiting period on my title when I paid in full. I would understand if I had written a personal check that there would be a clearing timeframe, but an ACH is an immediate payment. How is it legal for them to hold the title for 10 days? Reg CC has rules against holds being placed on funds via check, but there has to be some sort of ruling on release of title. If they have my funds, I should be able to demand my title.
I am a recovering victim of ID Theft which arose from a stolen wallet in XX/XX/XXXXand on XX/XX/XXXX I aquired my ( 3 ) credit reports from each of the bureaus and was horrified to find that there are ( 13 )  unknown accounts on my credit and numerous amounts of inquiries which I did not authorize. 

On XX/XX/XXXX I wrote my first letter to XXXX XXXX XXXX. On XX/XX/XXXX and again on XX/XX/XXXX I wrote to the creditor XXXX XXXX XXXX and informed them that the account was unknown to me and that I requested full validation for the account. Please see the attached letters and proof of mail by certified delivery informing the creditor/agent they are reporting an account that is unknown to me and that they are reporting inaccurate data regarding this account and th reply from the company, please note the incorrect address that XXXX XXXX XXXX has relating to this account XXXX of which it is unknown to me. 

To determine if this is an issue of identity theft or somebody with the same name as I, I requested information verifying the transaction and details such as ; 1. was this account opened in person or on line 2. what identification was used to verify the customer opening the account therefore, to determine this my request was for validation including competent evidence bearing my signature and a copy of the instrument used to secure a contractual agreement that now proves I am obligated to pay. 

I made it clear in my letters that the negative marks found on my credit report held by the ( 3 ) reporting bureaus and reported by their company or any other company that they represent for this debt that I do not owe IS a violation of the FCRA and FDCPA and I requested that if this debt can not not be validated this company must take steps to have all reporting bureaus delete this entry immediately. 

It is ridiculous that it is now over 120 days since my initial request for validation in XX/XX/XXXX, and the only documents sent to me were copies of statements requesting payment. My latest request to XXXX   XXXX XXXX made XX/XX/XXXX is now well over the 30 days time frame as per law and this collection company is out of compliance. 

Under advise, I wish to informed XXXX  XXXX XXXX that I am prepared to take steps to file a small claim case in my county small claims court. I would like to make this one last good faith effort and ask for the assistance of the CFPB in obtaining one of two things 1. that this company provide me with full debt validation as per FCRA & FDCPA 2. deletion of this invalidated account from my credit reports
I am receiving multiple, harassing phone calls from a company called XXXX regarding a scheduled service date. I have not received any documentation from this company and I do not recognize this company nor have I signed for any loans with a company named XXXX I have received multiple voicemails on my cell phone and they are also calling me at work and I can not receive these types of calls not do I want to receive these calls at my job. Someone name XXXX XXXX XXXX XXXX XXXX and a XXXX XXXX are calling me multiple times per day. Sometimes leaving a voicemail and sometimes not. They left a file number of XXXX but I have not received any type of written notice of debt or any type of correspondence from them but it sounds like they are attempting to sue me based on the threatening tone of the voicemails I have saved. They keep saying on my voicemail they need to deliver a notice of intent but I have no idea of who this company is. They left a number of XXXX. My cell voicemail does not identify me and this is in violation of the FDCPA and the XXXX.
I am unable to get a duplicate title for my vehicle. As per New jersey XXXX, there still exists a lien. The lienholder seems to be out of business. I have attached documents showing address.
I moved into a rental property - XXXX XXXX XXXX XXXX in XXXX, XXXX that was managed by XXXX XXXX XXXX XXXX, in XX/XX/XXXX. I left the property XX/XX/XXXX, which at that time it was managed by XXXX XXXX XXXX. I moved back to XXXX. Before I moved away from the property I tried to settle any outstanding financial obligations that I may have owed. At the time, the property refused to deal with me directly and said that I would get a letter in the mail. I left the state of XXXX  in XX/XX/XXXX as my job was being transferred back to XXXX. I did break the lease early. I did receive a few calls from a collection agency demanding payment in XXXX. Last year, XXXX I worked with a HUD approved agency and we were able to rectify the situation and close out the account. I have attached a copy of the two letters that I received from XXXX XXXX regarding this matter. There is nothing showing on my credit report. Fast forward to today XXXX. I am in the process of applying for a apartment and I was told that I have an inquiry on RealPage/Leasing Desk? I have never heard of this place and I am not sure why my name is even coming up in this particular system. The information that is showing is not correct nor accurate. I called around on XX/XX/XXXX trying to locate the source of who put this information in my file. I was told that the property XXXX XXXX XXXX is now being managed by XXXX XXXX XXXX - they could not assist me. I called around and spoke to someone at XXXX, XXXX, XXXX, XXXX XXXX and Real Page/Leasing Desk and no one is able to confirm why this is information is there. 
At this time this inaccurate information is preventing me from acquiring a safe and decent space for me and my children to live.
I informed them that the debt was not mine. They stopped contacting me and instead filed a lawsuit. When I emailed to settle to be done with it, they told me to call, but did n't give me a phone number. When I responded saying they did not provide a real phone number, they responded telling me to call them again. 

Finally, I was able to find the number they never gave me online. I called to talk about the debt and XXXX XXXX told me they had filed to garnish my wages and did n't even know how much I owed. When I tried to talk to her manager about it, XXXX flat out hung up on me because I was n't " being very nice. " After two years of refusing to answer any communication from me, now they refuse to even let me pay a debt I never owed. Meanwhile, they have been reporting this account TWICE to the credit bureaus this whole time even though they told me they were not and would not.
Navient made is difficult to schedule income-driven payment plans also did not disclose annual deadlines to renew
Former Bank of America mortgage customer. Would like confirmation from CFPB IF my mortgages ( Our mortgage loan # 's were XXXX & XXXX ) were part of the following XXXX XXXX
I recently looked at my credit reports and noticed that Santander Consumer USA reported negative marks Paid account/was 30 days past due on my reports WITHOUT ever telling me they were going to report them. I believe this is incredibly unfair and had I received the federally mandated notice to me, I would have paid on time.

According to the Fair Credit Reporting Act Section 623 ( a ) ( 7 ) ( A ) ( i ) and ( B ) ( i ), they has a responsibility to provide a notice furnishing of negative information, in writing, to the customer and that this notice is to be given to the consumer prior to or no later than 30 days after furnishing the negative information In fact, the Federal Reserve even created a published form so that creditors can be in compliance. Here is the compliant verbiage : We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. 
In short, I never received such a warning notice! 

I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the federal reserve
DEPARTMENT OF EDUCATION/NAVIENT XXXX XXXX XXXX, creditor, Education Loan is fraudulent. It has been settled beyond controversy, a bank can lend its money, not its credit. DEPARTMENT OF EDUCATION/NAVIENT XXXX XXXX XXXX has created a constructive fraud, peonage, conspiracy, and dishonor which have resulted in my Revocation of Signature for Cause. I have written several letters to XXXX XXXX to resolve this matter.
Due to the XXXX hacking incident, I now have to go to all the trouble of freezing credit reports and taking other precautionary measures due to this company 's failure of provide the simple security services they are licensed to provide. But the websites of XXXX and Transunion are not working so I ca n't even take the precautions. XXXX at least provided a means to mail in the documents, but Transunion 's website is apparently so overwhelmed that it wo n't even tell me what to do using regular mail service. 

I did n't ask for any of this. This is all due to corporate failure and it 's a huge imposition of millions of citizens. Talk about a waste of time and lost productivity.
I have disputed XXXX accounts with Experian for identity theft, I have submitted the same paperwork to each of these XXXX creditors as well. I have submitted an identity theft affidavit as well. Experian has not removed these XXXX accounts for XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX yet. They have investigated and just say that it was verified. This was identity theft so ever who did it gave my information, no one has ever produced any signatures that was needed to have the account opened either. This has been hurting my credit. My next step will be to pursue claims against XXXX and the XXXX creditors in court. I am trying to avoid that as I am XXXX.
I have been dealing with wage garnishment for the last 2 months. In attempt to stop this and make payments on default loans. I have been denied to consolidate and also to rehabilataite. I have exhausted all options and afraid I will have to file bankruptcy. I have no had a steady job since leaving school in XXXX. I finally have one along with XXXX children, I can not sustain a healthy life because all my disposalable income is taken without having a fair opportunity to set up plans to pay it back. I am counting on my tax return to finally pay off some past due bills, now I 'm afraid it will go toward a wage garnishment. I need help so I ca n't start sleeping again. I am trying to set up Payment arrangements but my options that they are giving me is only wage garnishment. There must some way to get me back on track without taking all my disposalable income from me every check ... again i eant to pay it, and it almost makes sense to quit my job and try to find work u see the table, which I truly dint want to.
I personally have not opened a bank account with Bank of America. I have not made any transaction on a Bank of America account. I have not called or interacted with any representative of Bank of America to open the account that has been reported with my name. There are no other accounts anywhere with my name other than this account that is currently being reported on the Consumer Report bearing a balance that is due which I had no knowledge of nor did I participate in incurring. I found out about this account when I went to Bank of America inquiring on the opening of a XXXX Account.
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/2015 Amount : {$1700.00}
On XX/XX/XXXX I received a letter in the mail from Comenity Bank regarding my XXXX XXXX account. The letter stated that as of XX/XX/XXXX my account was closed due to inactivity and information in your credit report. I dispute this action because I have made several purchases on my account, the most recent being XX/XX/XXXX. The letter goes on to list the following reasons for closing the account : bankruptcy status on credit report ( bankruptcy was filed and discharged 4 years ago ), delinquent past or present credit obligations with others, and unable to verify credit history. I called and spoke with a representative at XXXX XXXX who was unable to explain exactly the reason why my account was closed so I asked to file a formal complaint and was transferred to a supervisor who took a formal complaint. He did not seem too sure as to why the account was closed as he did not even have a copy of the letter himself. My account was opened in XXXX or XXXX and since then my account has ALWAYS remained in good standing. I have NOT ONCE gone over my limit and I have NOT ONCE been late making a payment.
I used PayPal credit to buy a XXXX XXXX ticket to my father in law. I purchased it XX/XX/2018 worth around $ XXXX-XXXX. Something goes wrong as he was flying on XX/XX/2018, the XXXX XXXX send a refund worth of {$1000.00} for the unuse ticket XX/XX/2018.The PayPal credit is Paid off. I on my side would like to get the money back but the PayPal resolution center want me to send documents such as my ID, Address and social security card scanned to their resolution center. 
I provided Driver Lincense with my address on it and my social security card the 1st respond I made. 
It was reviewed in there behalf and send me another email that the documents is incomplete. The 2nd time I send them my bank checking statement it included my address match all my accounts. But for the 3rd time  PayPal Email Me again requesting for additional documents before I can get my refund. I dont know what to do.. All my bank account are link to PayPal electronically for easy acces. I used the same checking account I paid PayPal for all my transactions. Somehow to get my money back is impossible. Please help me resolve the problem. I dont know who else to talk. I called PayPal for the matter but the rep. Just forward me to a recording system. I was on hold for 13 mins. Can no longer wait I decided to hang up. But provided them the documents they needed for my account at the PayPal resolution center.
a ) they never sent us any letter with their name, address and account number. They insisted on calling me at work.XXXX for a living thats totally unreasonable. I asked them to talk to my wife because she is home during the day. They threatened garnishment even though garnishment is XXXX dollars and I only owe $ XXXX.I told them I can not pay the whole amount and needed a payment plan and she said she wanted my debit card number. This was without telling me who she even was and with no way to keep them from taking the whole amount. I said no I 'll send a check for what I can afford. She said she had to have the whole amount. Whenj I said I couldnt afford the whole amount she said I was being rude and hung up.She continues to call me while I am at work XXXX.
I have an account with target I pay my bill on time every month but I have noticed for the past few months when I check my available credit it tells me I have a certain amount then 2 days later it 's gone ex paid XXXX bill on the XXXX went to target spent XXXX on the XXXX I only have {$9.00} available credit called them they told me it was interest for XXXX I asked them is n't XXXX interest included in my XXXX payment and he said yes so the why I see it I 'm paying interest twice. I told him if I have {$200.00} credit available at XXXX XXXX and I spend XXXX I still have XXXX left until my next billing cycle I have never heard of this type billing before
my spouse 's name must be removed from the credit documents as he does not own this property and by his execution of same it would give him an interest which he has already waived by execution of the Quitclaim Deed
I was in XXXX relationship and got out XX/XX/XXXX. I found out two weeks ago my ex, filed Bankruptcy Charter XXXX. I am and was not on this Bankruptcy. I do not want this to reflect on me, because I do n't think that would be fair for me. I would like to find out if it is on my credit report so it can get remove. Please help me. 
Thank you.