WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX 2015 I started to write to a girl XXXX, that I met thru an on line dating site. I am retired a yr and tired of being alone. I sent her some cash using XXXX XXXX or XXXX in XXXX and XXXX for her to get documents and be ready to move to the XXXX. In our daily letters she mentioned early on that her dad was deceased for 5 yrs. 
In XXXX she asked me to help with an issue, The story was that her deceased dad 's long lost business partner was here, XXXX, and wanted to send to her cash for her elderly mom to live on there in XXXX. She asked me to contact this fellow XXXX and to work with him. The guys name was XXXX XXXX. We connected via phone and e mail many times-he asked me to use my charge card accounts to take balance transfers, put that cash into my checking account and to wire that cash to the family XXXX, specifically the 'uncle ' of my 'friend ' XXXX, and the younger brother of her mom. He said he wanted to repay my charge accounts using direct electronic deposits from his business account, that they would be business expenses on his records. 
As he would the next day or 2 after my taking the balance transfers repay my accounts, including the related balance transfer fees, I could check and see the repayment had happened before wiring the funds XXXX 
This seemed odd to me, but I was anxious to help my friend and utterly safe to me financially. I had earned an excellent credit history over the years by never being late, and never charging more than I could readily repay. 

By this means I feel Case Bank enabled me to send XXXX about {$3500.00} XXXX times. All thru XXXX and early XXXX I felt I was being the greatest possible friend to these people, I had no clue this was a scam until I received a letter dated XXXX that the payments to my cards had all failed, and that I was therefore in debt for this tremendous amount. I also found then that the supposed payments from XXXX XXXX business were instead done by him calling in to the bank CLAIMING TO BE ME, and using some fake account to repay the charges. 
Again, as I had said each time that the payments were made by a 3rd party, if the Chase employee had noted they were made by " me '' this could have been averted. Why would I need to ask if my own payment was made? 
I contacted the Chase fraud department, they stated as I had supplied my account no. to XXXX XXXX XXXX there was no fraud and that I was wholly responsible. My identity had been used to make fake payments on the account XXXX times, almost {$16000.00}. On no occasion did anyone at the bank tell me that the supposed payments might in fact fail to be 'real '.
I paid via Paypal a friend for a game currency but then I canceled since it went threw as an echeck then the cancellation said it was successful via Paypal but I check my debits card new posted balance and the {$23.00} is deducted which was the amount I canceled via Paypal.
My name is XXXX XXXX and I current, y have a major issue with the Credit Reporting being done by Santander USA. I currently opened met loan with them in XXXX. Since then myself and my husband have only had XXXX ( XXXX ) late payment being reported as of XXXX. At that time I truly was n't 100 % sure it should have been reported because I truly paid it on the XXXX, which would be 30 days not 31 days. Now that I have disputed that late reporting, for XXXX there now stating they have found more. Since, they want the best thing for my interest the are not going to add the additional payments. My dispute I have is I call in number out days prior to making my payments, and also ask the Customer Service rep to please confirm my payment will not be late. Now there coming back with all this false data. Any other type of loan I have you can still pay on the date your payment is due prior to cut off time for the company.. Can you please tell me who I can speak to in regards to getting assistance with this matter.. I am in the process of refinancing my home and this is a major impact that they have been reporting incorrectly as well as updating the bureaus incorrectly. I have proof of that as well ... I want to know how can a creditor report you late on the XXXX day and give Customers 30 full days. They are not following the full statement from the Credit Breau ... Now they want to threat me that if I continue to question them they will add all incorrect information that had previously reported correctly ... 

Can someone please call me first thing tomorrow @ XXXX this is very urgent. 
Thank, XXXX XXXX
Collection showed up on credit file for a debt paid in full. Portfolio Recovery has purchased junk debt in the past which has also been removed from my credit file already.
SCA Collections of XXXX, NC has continually file collection attempts against me on medical bills I do not owe because I have had XXXX consistently for the past 7 years! I am a single parent, XXXX and I have no income except my child support and that 's not enough to pay my bills. If your health information is to be private, how can they collect on a debt I do not owe??
I have been trying to cancel my option home warranty of {$39.00} for several months. According to the home warranty company, the product was finally cancelled on XXXX/XXXX/2015. However, Nationstar mortgage is still billing me for this product, and they can not remove the charge. I have been given the typical run-around, e.g. hangups, endless transfers, no supervisor available. I was told today by Nationstar to just subtract the amount from my payment and it will go away. Since I highly doubt that is good advice, I do n't know what to do to get this resolved.
XXXX  would like to be updated on my bank balance.  XXXX  said : " Your bank balance is n't always fresh. We do all we can to keep it up to date, but your bank has been slacking on sending over your info. ''
XXXX XXXX XXXX continues to report a default from over 20 years ago. 
They need to remove this all together
To whom it may concern : I wanted to check a few boxes -I am not certain which this would fall under- other than a new law called ' Lets hurt good Americans law ' For the past 15 years or so I have had a XXXX XXXX XXXX credit card - with XXXX XXXX XXXX in XXXX XXXX XXXX and I have always paid on time for the past 10 plus years - i have never missed a payment, often I would pay off the card in full and start over etc etc, for purposes typical of my small business- car rentals etc- or other- 10 to 15 years ON TIME - always paid MORE than the amount owed!! 

2 months ago I received a letter stating that due to credit report that my card must be ripped up and is no longer in use!! and by the way their was still approx, {$500.00} left on the card it was not maxed. This was so frustrating and what I thought 'illegal ' to pull something that you took such great care of- i knew to always pay on time and how important this was for my credit, far more important for an emergency I may have. I lost a company recently and starting over. 
I wrote the president of the bank here in XXXX XXXX - and he asked me to call a number etc- their reason was 'your credit report ' and I said " but wait -- hold on one minute here- i paid YOU ON TIME FOR 15 years " - this is absolutely unholy unnecessary and truly frightening to me that in our country 'AMERICA ' you take from US who pay on TIME -for WHAT -?? perhaps my hospital bill is on the report which is even far worse -- far worse. 

further i shared with the bank president i refuse refuse to pay your interest- refuse- i will only pay what i spent- PERIOD -- thankfully i have one other card- because i was headed out of town to see clients and needed rent a cars-hotels. Perhaps its only time that this one will be pulled also- are you trying to 'control ' your entire population in America with all your unlawful credit reporting laws that stop people dead in their tracks to rebuild and to reorganize or to function in a normal society??? are you truly wanting all of us who work under wage to rely on YOUR government who will 'hopefully change some laws ' wanting the best for those of us who pay our bill on time- let us pray that President TRUMP breaks this wall down- because XXXX and others have by far hurt us in ways unfathonable- I can see if i did not pay my card- however this is NOT the case!! Thank you for your time and the hopeful possibility that our credit laws will change so AMERICANS can build or rebuild their life and buy a home- or refinance if they loose they jobs, or buy a car if one breaks down, etc- as long as they pay their credit cards on time- or other - further NO hospital bill should Ever ever ever go onto any credit report for the love of GOD- what is THAT? unless their are 'those ' who mis-use the hospitals for frequent 'unnecessary ' emergency visits in a certain period of time-and even then- this should not go towards one credit report- we all fall at time in our life- the loss of a loved one- the loss of a job- a wage that does not match our overhead etc -we all have issues of health or children or loss of a good job -- ca n't we figure out a way that the above is preventable?
Chase bank advertises that its new XXXX person-to-person money transfer service allows the account holder to send and receive money in minutes at no fees. Following this representation, I received two Chase XXXX transfers and turned around and sent the money a bit later to another person. Chase charged me a {$34.00} fee twice for a total of {$68.00} of insufficient funds fees. Chase stated that there is a delay between when the XXXX transfer is received and when the money is actually available in the account.I was never told about this delay. Chase claims that because of this delay, my account was briefly negative and therefore Chase charged me {$68.00} in fees for two small transactions of {$100.00} and {$49.00} respectively. 

I believe that this is a deceptive practice that caused me to rely on their false advertising and incurred fees that I would not have incurred have I known of this delay that they are describing and that I was never made aware of.
This afternoon around XXXX I was discussing a VA home mortgage loan with : Hello, My name is XXXX XXXX XXXX and I am your Account Executive.It is my pleasure assisting you with a potential Mortgage Loan solution! 
Thank you, XXXX XXXX Account Executive MLO NMLS # XXXX Company NMLS # XXXX   Tel : XXXX | Fax : XXXX ===================================================================== XXXX XXXX is a registered dba of NewDay Financial, LLC. 
XXXX CONFIDENTIALITY NOTICE : This e-mail message and any attachments are proprietary and confidential information intended only for the use of the recipient ( s ) named above. If you are not the intended recipient, you may not print, distribute, or copy this message or any attachments. If you have received this communication in error, please notify the sender by return e-mail and delete this message and any attachments from your computer. 
===================================================================== And while she was taking down my personal information the fact came up that in XX/XX/XXXX I had to do a Deed-in-lou with XXXX XXXX when they convinced me i had no choice in the matter. Another mistake. XXXX XXXX informed me that because the deed-in-lou was not outside of a 5 year period that NEW DAY could not service my loan or go forward. I said ok fine. I said forget it and DO NOT PULL MY CREDIT REPORT as i was also working with The XXXX XXXX and i had given them permission to pull my report and i did not want a lot of marks against my credit. It was then that XXXX XXXX said that she had already done so. I got mad and and told her I HAD NOT GIVEN HER PERMISSION TO DO SO and explained the damage that it could do to my already shaky credit. she said that because it was so close to the report that XXXX XXXX pulled, that it would do no harm. I said good by and hung up. 
XXXX sent me a e-mail about a check on my credit as follows : Hello XXXX, we identified a change in your credit report! XXXX XXXX  We will continue to monitor your credit as part of your membership, so rest easy knowing we're always looking out for your credit health. 
New Mortgage Inquiry reported by XXXX A hard inquiry is a request for new credit in your name. 
VIEW YOUR ALERT I am beyond angry.
XX/XX/XXXX statement said that {$1400.00} was due by XX/XX/XXXX in order to avoid late penalty. 
On XX/XX/XXXX I wired {$150000.00}, which was enough to pay off the mortgage.
On XX/XX/XXXX Nationstar Mortgage returned {$150000.00} to my checking account. 
To date Nationstar has not sent me an XX/XX/XXXX bill but looking at my account online they say I did not make an XX/XX/XXXX payment and they have tacked on {$63.00} late charge.
I sent dispute letters via mail in online to XXXX XXXX and Experian, each of them the sent me results with in five days saying investigation is complete but I do n't understand how you can complete a ingestion with in 5 days. I was apart of the XXXX data breach in it is a lot of stuff on my credit report that does n't belong to me. in the following is as listed XXXX XXXX 's XXXX XXXX XXXX XXXX and also XXXX XXXX
I paid this debt and I am currently trying to purchase a home, however, this collection is damaging my credit, which in turn is preventing me from moving forward in the home buying process.
ENHANCED RECOVERY CO ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, FL XXXX PHONE XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ENHANCED RECOVERY CO or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ENHANCED RECOVERY CO or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Bank of America is forcing me to destroy my credit. I have contact Bank of America multiple times now both through CFP and them directly about issues with my credit card and the payment and interest rates. Each time Bank of America has denied me. Finally I closed the card in hopes that since I was no longer able to use the card Bank of America would help me in making payment plans on the account. Once again I was denied with the only reason being Bank of America feels I should be able to make a payment. The use a credit assessment that they have refused now multiple times to show me. In this you call in and they ask you on the spot to " guess estimate your monthly payments for each item '' They also pull your credit to complete this assessment without your permission. Essentially they want you to over-estimate to show that you are piratically bankrupt in order to each any sort of finical reduction. I was told that " you 've requested this before and you 've still made the monthly payment each month '' The are punishing you for not letting your account become deliquescent because then you have n't shown you are in enough of a hardship. I have explained to them multiple times my student loans are on a pay as you earn so if I get a raise at work my student loan payment increases. In addition even though they do n't request to pull your credit they use your credit report to dismiss claims you make. I have medical bills that I have a payment arrangement with the hospital to pay and I have a student loan through my university all of which do not show up on my credit report. Bank of America said " we do n't see this on your credit report so we have no way of verifying you actually have these payments '' Once again Bank of America uses a system that does not require you to verify any of your income, does not require you properly determine your bills per a month, does not require you to send in any documentation of payments that do n't show on your credit report, and they use a credit report you do n't authorize them access to. After speaking with Bank of America today ( XXXX/XXXX/2016 ) I asked for their legal offices address to send documentation to and they refused. I request the credit assessment sheet they used and they refused to give it to me. I request for the account to be forced sent to a collection agency who I could work with about payment plans. They refused. Bank of America is forcing me to either make a payment ( which I have already informed them I do not have the means to do so ) or to let my account become delinquent have it reported on my credit report and destroy my credit. They are forcing me to continue to bank with them even though I have begged multiple times to be released. Bank of America is creating an extremely hostile environment. They are causing me XXXX and XXXX which are only increasing my medical bills and putting me into more finical hardship.
Bank of America checking Claim # XXXX, XXXX On XXXX/XXXX/2016 XXXX, I recieved txt message from B of A stating " B of A has temporarily restricted the use of debit card ending in XXXX. Call XXXX to verify '' when I was on my way to work. I got to the office and checked online banking statement. There was approximately XXXX activities about {$1400.00} that I did n't recognized. I called the number and spoke to representative. When the operator asked for information, I did n't answer fearing this could well be the part of fraudulent activity. So I hung up and called again using number in the back of my debit card, which is different from the number in the txt. The operator told me that the bank activities seemed fraudulent and told me that I would get my money back. All I had to do is to wait until the transaction would cleared from pending to fully stated in the bank account and to call the claims department to make sure of it. I was told the bank will investigate to catch the thief. Also during the conversation, I realized that the newly issued debit card was stolen, perhaps in the mail box. I never knew the new card ending in XXXX was coming on my way. 
On XXXX/XXXX/2016, I called and filed for claim for XXXX out XXXX transactions cleared in bank statement. On XXXX/XXXX/2016, I filed for claim for the last of XXXX transactions that cleared away. The operator told me that I would receive some letter for investigation. 
I got email for me to provide additional information. I complied that I did n't recieved card and I did n't know the identity of the suspect. 
On XXXX/XXXX/2016, the decision was made that they would reverse temporary credit. The reason was that " the card was present at the time of the transaction and PIN number was used ''. I do n't know about how the thief knew my PIN number but of course the thief would possess the debit card. Later conversation with BoA that the thief did n't use PIN. The claims person and insisted that I would give him the Police report #. 
On XXXX/XXXX/2016 I filed the police report ( # XXXX ) at XXXX XXXX Police station in LA and faxed this information to claims dept. 
On XXXX/XXXX/2016 B of A still denied to give credit for the activity. 
The reasons are as follow. 
The fraudulent transaction spans over period of days. ( fact : one day ) The file was claimed 6 days after the activity showing lack of urgency. ( fact : I called the same day and even moved money out of that account ) The suspect did n't maximize the transaction ( fact : he tried and denied at later transactions ) The debit card with chip could not be counterfeited and the suspect used the card ( fact : yes, therefore I reported stolen ) My statement over XXXX conversation with claims people are not consistent ( fact : I asked what 's not consistent and they did n't answer ) Bank of America refuses to pay back for fraudulant activity. BoA lacks brain to perform proper investigation. BoA does n't protect customer from thieves. BoA waisted so much of my time and energy and inflicted stress and XXXX.
It seems the bank ( Wells Fargo ) has an error in their loan management system. I had made an error in setting up my automatic loan re-payment information and inadvertently missed a payment. This triggered a {$20.00} late fee in my account. No problem with that. However, when looking at my statement, I noticed that the line item that added the {$20.00} late fee also incurred a {$.00} cent interest in the same monthly bill. I think that is wrong and hopefully just a " programming error '' and not an INTENTIONAL act to XXXX money from consumers. Please look into it and either explain this action or ask Wells Fargo to change their practice. I made a personal complaint when I called to ask for a one time waver of the Late Fee. They did grant me that waver but did not say anything about this OUTRAGEOUS interest gouging practice. XXXX multiplied by XXXX is a lot of money.
In XX/XX/2012 my student loans were discharged due to XXXX. I have been following the information on my credit bureau. XXXX has it correct. Transunion and XXXX do not. I have sent information and proof that the account from XXXX is not correct. I have asked over and over to investigate this. All they do is take XXXX word for it. Do they not realize that XXXX can be wrong. Do the many lawsuits and class actions against XXXX have any meaning? My biggest issue is with Transunion. It is like talking to the wall. Nothing changes. Meanwhile, due to this incorrect information, I am unable to get a home, or car. When you are XXXX, waiting for 10 years for incorrect information to fall off is not an option. I may be dead before it comes off. I think the CFPB should realize this is a big problem and consider action against Transunion as well as XXXX.
c/card charge off date XXXX/XXXX/2004 this is beyond Oregon State Statute of Limitations to collect the debt was mine, but now beyond collection effort limitations