WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX/XXXX/2015 I was arrested and sent to XXXX XXXX XXXX, While I was XXXX a lot of Fraudulent activity on my account, State Farm Bank was aware of my incarceration and they did not monitor my account properly : On XXXX XXXX, Multiple XXXX XXXX Transactions in the amounts of {$1400.00}, XXXX XXXX, XXXX transactions in the amounts of {$310.00}, {$160.00} were issued on XXXX XXXX, On XXXX XXXX I was issued an Affidavit and it was sent to the XXXX XXXX XXXX which I filled out and sent back, and a block was still not put on my account and I asked them not to issue me another debit card until my release from XXXX XXXX XXXX. My funds were replaced in XXXX it happened yet again, I was released on XXXX XXXX after accessing my account online, I went into online chat and was told that I would have to file a Police Report and that State Farm Bank does not have the manpower to monitor each individual account, other than that there is nothing that State Farm Bank could do for me. When I called Customer Service they stated that they issued XXXX debit cards without my permission and a card with my pin number on it. Contacted State Farm yet again with regards to this matter because I received a letter XXXX XXXX stating that my account is overdrawn and there is a block on my account, No transactions into or out of my account and my New Debit Card can not be activated, I have children and bills in my household that need to be paid. Where was this block on my account, when I really needed it?
I have been in Chapter XXXX twice in order to save my house. I 'm at a loss of what to do.
I live in XXXX GA and on XX/XX/XXXX I traveled by car to my dads in XXXX XXXX TN. While there I made card transactions with my Citi credit card both in TN on XX/XX/XXXX and on XX/XX/XXXX. On XX/XX/XXXX I received a fraud alert from Citicards about purchases that went thru on XX/XX/XXXX. I reviewed my account online and saw 15 transactions that took place in Illinois, mostly XXXX. Some at the same place over and over. I immediately called and was already online to disput the transactions which the representative told me I could do. I hung up without him advising that if it was multiple transactions or pending I would need to dispute with him ( which I found out when I called again ... ) I did not receive a case number just an email advising I had a dispute opened. It did not identify any transactions. After not hearing or receiving any type of communication about my claim ( my card was closed so I could not access online banking ) in over a week I finally received my new card and was able to review online and saw they had credited me with 9 of the 15 transactions. I once again called to ask about my claim on XX/XX/XXXX and was then informed of the fact that with pending/multiple I should have called it in. She disputed the remaining items and once again I was not provided with a claim number or any information on my claim in regards to resolution timeframe or anything. I called again on XX/XX/XXXX and was told it was still processing, I requested to file a formal complaint with them as I did not think it was fair that they did not provide me with any type of resolution in writing/email. But I was told I would receive communication from them in regards to my case, nothing to date. I called again on XX/XX/XXXX as my statement has now ran and I have 15 fraudulent charges on my card, and charged interest and only 9 dispute credits. I was then told that they would resubmit my transactions after I had to go over it transaction by transaction as she told me I already had my full credit, so no one reviewed this the previous times I called. I again asked to file a formal complaint, again as I did not think it was fair that I have not received anything from them in regards to my claim, which the person advised she would file it for me but could not give me a case number and I was advised it was for internal tracking only. I was then advised I would receive my credit within 2-3 days, it is now XX/XX/XXXX and I just do not want to call again. If they could just provide to me in writing why they believe they should not have to pay the fraudulent transactions on my statement ending XX/XX/XXXX I would at least be able to provide proof that there was no way I was in XXXX!!!
I am getting daily robo-calls from an organization called XXXX which XXXX tells me is XXXX. Their robot insists that this an urgent business matter and told me to call XXXX. I have also never received any correspondence detailing what they want to speak about. I am on the do-not-call registry and I have never taken out or co-signed a loan of any kind in my life. I am hesitant to call them since this smells like a scam and their website does not allow anyone to contact them via email. I 've been blocking all the numbers they call from and it 's just annoying. I wish they would stop.
Portfolio Recovery Associates has been pulling my credit report every 2 days for the past year and a half. I have never given them permission to pull my credit report.
On XXXX/XXXX/XXXX, I received a mail letter from US Bank, notifying me that I had a late payment on my credit card account. I immediately made full payment which was owed on the same day. Then I applied for a home loan equity during XXXX XXXX, and was informed by my loan specialist that a late payment was posted on my credit report for XXXX. I immediately tried to dispute with US Bank, considering that the late payment happened in XXXX and I was not notified until XXXX, the same time with when they reported to the Credit Bureau. I also had auto payment set up on that account and it did not work. Even now, I had to manually make payment every month because the auto pay function is still not working. I tried to contact US Bank Card member service twice and they only sent me a general response and kept asking me to give them more information, which I already did. I already made request twice to them that the false report has to be removed from my credit report. They did not want to acknowledge the fact that the had failed to give me proper notice within 30 days when the incident happened. I was not allowed the proper time to act on it. 
This false late payment report has hindered me from closing on my equity loan, which resulting in thousands of interest I had to incur during this time.
fell behind on pymnts and they have showed up to/ and called my home and my job even after I requested them to stop.
i have fraud alerts on my file that i did not request. this has caused me to be denied for a credit card. I did not request this alert, i have never requested a fraud alert. I need this alert to be immediately, i have never requested a fraud alert and i am not a victim of fraud
ATTENTION DISPUTE DEPARTMENT XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX, GA XXXX I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX -- XXXX XXXX -- XXXX XXXX -- XXXX {$3000.00} REV {$1100.00} {$35.00} {$0.00} XXXX XXXX XXXX XXXX CUR WAS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1300.00} XXXX {$1300.00} XXXX - {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX  et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
On XX/XX/XXXX, I paid {$6900.00} for several months of mortgage payments. I was told when I made this payment, that my credit report would report " Paid as Agreed '' and that I was not going to be reflected late. My credit report now shows late. I have contacted the mortgage company numerous times via phone and email and have talked to numerous mortgage employees that verify the mortgage company reported this in error but the mortgage company has not corrected this issue nor have they contacted me. I simply am told " we see this in the notes, this is in error and we will look into correcting it and get back with you ''. I am reaching out to you to see if you can assist me in this matter.
I have been dealing with my mortgage company for 7 years. The problem first started when I lost my husband. He was killed XXXX, whilst in the XXXX and the guy/people that originated my loan are in Federal prison for predatory lending. My loan was originally with XXXX and then bought out by XXXX. Who then illegally foreclosed on me and I went to court and got a judgement in my favor. In the meantime I had to close XXXX because my daughter was diagnosed with XXXX and I had to work with her. I still receive my VA benefits and Survivor benefits to afford my mortgage. When the housing market crashed I initialized a modification with XXXX, it took two years of submitting documents. I also was n't allowed to make payments during this time. So my past due kept going up. Also my original loan balance was going up too. Finally they had all my papers together and I was in underwriting and on the final day they sold my loan to Natiionstar. They told me I had to do the whole thing over again, which I did that has been going on for two years. So it started at XXXX and now is XXXX and they having me owing {$300000.00} in fees and paments and XXXX in escrow arrears. They wo n't send me copies of the fees I owe or the original note or XXXX. Statements or Countywide documents or anything I request actually. I am a XXXX widow and have my late husbands daughter who is XXXX. This is the only home she 's known and I got completely messed over with my original loan. I feel like I 'm being walked over and I ca n't get any answers or help.
XX/XX/XXXX my husband and I cancelled a gym membership with XXXX. We were moving to a new home and would no longer be located near the gym. We were told that after one more deduction from our bank account the membership would be terminated. However, two months later we were still being charged. We then went up to the gym and were told somehow the cancellation was not showing on file and we needed to process another one so we did. During that time the owners changed to now XXXX XXXX. We were told that the membership would be cancelled immediately and were given tons of apologies this was on XXXX/XXXX/XXXX. Assuming the membership was cancelled the following month we saw another debit attempt to come out of our account ( overdrafting it by the way ) so I called the bank and cancelled the payment and blocked the gym from being able to debit from our account again as this was the only way we could think to stop it. 
Fast forward to XXXX XXXX and I receive an email from XXXX stating that NEITHER ACCOUNTS HAD BEEN CANCELLED. I then sent him and email back stating that we had cancelled the memberships twice and that we did not owe the XXXX dollars they were attempting to collect from us. After that I went up to the gym AGAIN and was told that the cancellations were on file and that it would take some time to show in the system and disregard the collection activity. Since we had been lied to before this did not settle well with us. I sent an email to the company stating that I was refusing any debt and would like someone to look into this matter immediately and remove our names from any collection activity. After further research we were told that actually my husbands membership had been cancelled but mine had not and after 90 days it would be sent to a collection agency and reported on my credit report. Needless to say it was. I have emails from them and myself to show that his matter has not been addressed and they are refusing to take this account off of my credit report even though my Page XXXX of XXXX husband and I cancelled on the same day at the same time and somehow his was cancelled and mine was not. This is unlawful and I have spoken with the credit reporting company called First Credit Services and get people who I can barely understand and they can barely understand me. I need someone to come in and help me with this nightmare and have my name taken off of their system and also off of my credit. I Called the company and that the only way it can be deleted is if I pay the total balance which from my understanding is also against the law. I have records of this dispute and have yet to have my grievance looked into. I believe this company lost records or something during their new owners transfer but I will not suffer because of it. We did everything right and everything they told us to.
Please see attached uploaded medical documentation. Please use these records as evidence in support of my current pending claim XXXX.
Tried to make a money transfer to XXXX via Western Union today sunday. They were able to take the money from my account very fast, but then denied the transfer without giving any explanation. Now they say are not responsible if I DONT GET MY MONEY TODAY BECAUSE IT DEPENDS ON MY BANK. tODAY IS SUNDAY..THE BANK IS CLOSED AND THIS MONEY IS FOR AN EMERGENCY
I noticed a debt from Credit Protection on my credit report from XXXX XXXX. Thats odd becasue I 've had XXXX XXXX since 2006. I also noticed an account transfer from an apartment to another apartment, thats also odd considering I have been buying my home since 2006. I never gave anyone permission to request services from XXXX XXXX, which will open an account to anything or anyone under the sun without asking for proper ID. Now a collection account is showing for an account I never opened.
i have a bank of america credit card account .i have never been late on my payments .my due date is the XXXX of each month.last month was the XXXX my bank was closed so i could not make the payment until the XXXX iwas charged a late fee of XXXX dollars.they told me that i had to pay the late fee no matter what
Harassment, including multiple calls daily and evenings for months by this predatory collection agency ( note : I have no debt whatever as confirmed by my credit monitoring agency ) seeking to acquire personal information. Company is XXXX XXXXXXXXTransworld Systems Collection Agency at XXXX. They violate no call list instructions and are widely known to be fraudulent and abusive. I am not interested in your sending them comments or notifying them of anything. They are aware of their illegal activities and do not care. Action needs to be taken to investigate their illicit actions and close them down.
I spoke to Citizens Bank at Length about my account this week because it was paid past Thursday into Friday which is a banking business day and there is absolutely no reason for there to be a delay in receiving my settled in full notice so I can start new business accounts and start my payroll account with XXXX. 

Citizens Bank alledges that the payment did not post until XX/XX/XXXX but when I spoke to XXXX XXXX XXXX manager at XXXX, SC he informed me that the matter was paid last week. There is no evidence otherwise. the reason I mention this is I believe that there may be a NY or SC collection law at state level that states a Settlement in Full or Payment in Full Letter must be mailed in a reasonable manner. I believe the legal definition of this matter was 15 days maximum, not business days, but calendar days. If the banks holds true to their 10 ( ten ) days holding time, the matter will not be resolved within the 15 days as prescribed. I have given the bank the email address of XXXX and I was told that this would be emailed to me when available. Not receiving this document stops me cold from the ability to open a business bank account which stops me from opening an account with XXXX and that stops me from hiring people. 

There was a high level of harassment and unprofessional behavior during the call, to the point where phrases like, " you took our money and didn't pay it back '' which is an allegation of theft. Then the collection agent appologised and admitted her act. Harassment of this nature is a violation of Fair Debt Collections Act, or possibly state laws in NY, where the account was opened and closed. If no other fact, the behavior was not an accurate statement, as it was paid and all I am looking for is the documentation that is required to edit my XXXX report.
Im being denied checking and saving accounts because of PNC bank and as well as XXXX XXXX XXXX claiming I defrauded them which never happened. Something needs to be done about that ... ....
Please be advised this is my final request to remove a tax lien on my credit report. I have sent this request and proof numerous times in vain and I intend to pursue litigation if not removed from my credit report as soon as possible. Please see attached proof that it has been cancelled and paid and therefore should be deleted immediately from my credit report because it is affecting me greatly. The reference number is  XXXX .
XXXX XXXX XXXX in Florida is also known as Financial Credit Services. They are both the same Collection Agency. I have never received any notification by mail that I had any Medical debt with this Collection Agency ( s ). Therefor I did not even receive any notice of my rights to dispute. In addition, XXXX XXXX XXXX did not disclose any communication that this was an attempt to collect a debt. I did not know this company was reporting multiple and duplicate Medical collections until I pulled my consumer credit reports from all three credit agency 's. At that time, I took my legal right with XXXX, XXXX and XXXX and disputed them. Over the last 60 days they were deleted from Credit Reports only to find out GulfCoast Collection re-reported the same collection back on my Consumer Reports under their other company name, which now shows as an entirely new collection with XXXX and the others. This has reduced my FICO score substantially where I now find myself in a serious negative situation with banks and lenders not to mention it is impossible for me to now purchase a home. I am XXXX and even tried to resolve this directly with the company only to be treated unethically, unprofessionally and talked to in a threatening manner. They refuse to cooperate and work with me to resolve this matter in any way what so ever.
A debt collections company placed an inquiry on my credit without legal documentation of proper contact or legal verification of debt. They also did not post the original creditor. This is a transferred debt purchased by another party whom did not properly disclose information correctly and illegally disclosed information to the credit bureau without properly verifying debt legally. They did not send me a letter of verification before they disclosed information on my credit report.
They keep calling my company 's office line and hanging up. When called back, they say they are not calling us, agree that we do not have a debt with them, but say they do not use a do-not-call list and will not stop calls to our office phone ( which they also say aren't happening ). They have called us multiple times per week and it is tying up our line from important calls from clients.
Paid off our mortgage loan XXXX/XXXX/15. Chase is not reporting our payment on XXXX XXXX, 2015. On our credit report states our last payment was made XXXX in the amount of our payoff, but this was made on XXXX XXXX 2015. Enclosed is the proof of payment on XXXX XXXX as well as a letter from Chase dated XXXX XXXX that our mortgage has been paid off. We made a regular scheduled mortgage in XXXX 2015.
Comment : Shame on you! 

Last year I went to Union Bank in XXXX XXXX XXXX XXXX. I transferred money by wire, but the teller typed mistakes twice. Another time I asked teller to correct the name of the cashier 's check, but she refused and insisted me to go back to XXXX XXXX branch that issued the check. XXXX XXXX branch told me that any branch could do it. So I complained to the manager on XXXX XXXX, he felt nothing just said that he would coach the staff. I said that he should coach his staff before he put her at the counter and caused clients trouble. Then I received a letter from XXXX XXXX. branch to investigate my transactions. However that branch did not tell me which transaction had problem but asked me how much did I make per month. I only had a checking and money market account. Why? Then that branch closed my account, even I asked the branch to write down exactly what information they want and I would provide, and what transaction was violated what rule? But that branch said I am risky so they closed my account. Then I received an email to confirm the transaction I make to close my account on line which I did not do. If Union Bank considered anything I did wrong they should report to OCC or even FBI for investigation, not just closed my accounts and failed to write down exactly which account violated which rule. Shame on you Union Bank, no wonder you got penalties.
I am a victim of identity theft. Regions has requested that I fill out their identity theft document which is attached to this complaint. Also attached is a copy of my photo ID and the letters I received from the other banks where fraudulent accounts were opened and the FTC affidavit of identity theft as well as a copy of the lease for the apartment I lived in during this theft. The police report number filed with the XXXX Police Department is XXXX
XXXX/XXXX/2016 XXXX XXXX XXXX I was told that credit does n't matter good or bad, and the lease of the Vehicle would n't effect my credit. I was never informed that a hard or soft inquiry would be done. 

This vehicle was leased from Uber to drive Uber. I was told it would not effect my credit in any way positive or negative.
I am 30 days behind, but I have but I have been making payments so I do n't get 60 days. They put in default for late fees I am not 60 days. How can they put me in default for late fees.? This company calls XXXX times a day. They customer service callers a threatening.