WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX XXXX, I opened a fraudulent dispute with TD Bank for my XXXX XXXX Cashback Credit Card. I did not authorize the 4 charges of {$950.00} distributed across XXXX XXXX XXXX XXXX ( total unauthorized charges : {$3800.00} ) and the 6 charges of {$990.00} distributed across XXXX XXXX XXXX XXXX XXXX ( total unauthorized charges : {$5900.00} ) to online merchant XXXX. These were all charges made online without my consent or knowledge. After their " investigation, '' TD Bank resolved the fraud dispute in the merchant 's favor and purported that I made those charges. I tried to appeal their decision but they denied that also. I did not make those charges and was not aware of those charges. I was not even notified of these charges, which were in the thousands of dollars, until I looked at my credit card bill. Now they expect me to pay ~ {$7400.00} dollars for charges I did not make. This will devastate me financially. The TD Bank fraud investigator who first contacted me, XXXX XXXX XXXX, called me in late-XXXX XXXX. This was the first time we spoke over the phone, and she immediately accused me of lying and making those charges. I personally found it suspicious ( and rude ) that she would jump straight to accusations before the investigation was resolved. As a result I believed the investigation was already biased against me. I 've also called her 5 days a week every week at her phone number ( XXXX ) XXXX but my calls were ignored. I know they were ignored because her voicemail changed in the time between some of my calls, and she did not call me back, meaning that she heard the voicemails I left her, but she still did not call me back! I can only deduce that this fraud investigator is deliberately ignoring my phone calls. I do not know if she is simply ignoring all phone calls or just mines specifically. I have filed a police report with the XXXX Police Department on this matter ; my case number is XXXX. I believe my identity was stolen along with my credit card information ( I was hacked ), and because of that somebody else was able to make purchases with my card number online without my consent. My case number for TD Bank is XXXX and XXXX.
Hello, My compliant is with the TransUnion Credit Reporting Agency. I have disputed many times and IRS sent a IRS Tax Lien Withdrawal Notification to all XXXX credit reporting agency to remove a federal tax lien dated XXXX/XXXX/2010. Please I need your help to make TransUnion comply with federal regulations. Also, TransUnion should be investigated because they seem to understand that the 10 years a tax lien reporting requirement is from the date the tax lien is paid, which is incorrect. The 10 years a tax lien may report on a consumers credit bureau is 10 years from date filed. This is undoubtedly affecting millions of consumers who do n't understand the Fair Credit Reporting Act. Thank you, XXXX
It is not clear to me as why these big banks such as Citi Mortgage will not assist a consumer with homes still upside down. I have been denied XXXX times for a short sale on my home that is clearly upside down by Citi Mortgage 's own XXXX. I am underwater by about {$35000.00} to {$40000.00} and is clearly shown on my financial papers that I can not afford the payment but yet because I refuse to ruin my credit and struggle to continue to make my payments by working XXXX and XXXX jobs just to barely make ends meet and putting myself further in other credit card debt they will not work with us. Since when is it a requirement and or why is XXXX and XXXX and Citi Mortgage allowed to control my credit by forcing me to go delinquent when all the other hard evidence should support them granting me an approval to sell. I have lost XXXX buyers for this home and turned down each time BECAUSE I WAS NOT LATE. I hold a XXXX license and feel it is my obligation to pay my bills on time as to be an example to other homeowners. This is completely reckless and irresponsible of the agencies to allow this and control this to the point of hurting me from obtaining credit in the future by not assisting me. It has been almost 3 years that I have been trying to sell in an already troubling industry and this just confirms that the larger banks and agencies truly DO NOT CARE FOR ANY CONSUMER. I have reached out to the CFPB before on his matter and there was no resolution. Also I find it ludicrous that I can not get pre approved for a short sale knowing ahead of time so I can get a bonafide offer but rather have to be in contract with a prospective buyer, trouble everyone for documentation such as real estate agents, buyers, and escrow companies only to be declined. Where is the protection to the consumer - I see none! Ruin your credit then we will consider helping you is not a motto anyone should be proud of. Our industry of which I have been in for 30 years is a disgrace and see no where that any of the laws and regulations and changes have helped rather make things much more atrocious. I have a XXXX and XXXX both with Citi Mortgage and the XXXX is owned by XXXX XXXX. Very disappointing that as a community of mortgage professionals we refuse to help people until they damage their credit. In the midst of all this I get a letter every month telling me my payment is past due but I seem to be able to make it by the end of month. I truly have a stack of XXXX letters from Citi Mortgage spanning over XXXX inches thick.
Debt collector " Roosen Vaerchetti & Olivier - XXXX PLLC '' attempting to collect on invalid debt.
To Whom It May Concern, I had an overdue medical bill from date of service XX/XX/XXXX  with   XXXX   XXXX   XXXX   in the amount of {$1300.00}. Due to financial hardship the bill was turned over to   XXXX   XXXX   XXXX   XX/XX/XXXX  and they aggressively pursued debt collection attempts. I had no way to pay them so it then went to   XXXX   XXXX   Judicial District Court on  XX/XX/XXXX  and a hearing date was set for XX/XX/XXXX for conciliation hearing. I was notified, by mail, of a judgement entered for  XX/XX/XXXX . My place of employment at the time was mailed the garnishment information on  XX/XX/XXXX  and withholding of wages was to start  XX/XX/XXXX .
I called and spoke with   XXXX   XXXX   with   XXXX   XXXX   at  XXXX  and made payment arrangements for two check installments of {$780.00} for  XX/XX/XXXX  and  XX/XX/XXXX . I have proof of one check being deposited by anchor bank   XXXX   trust account   XXXX   on  XX/XX/XXXX  but can not provide a copy of the check on  XX/XX/XXXX  due to my bank records online only going back 15 months.
My issue is that I am trying to sell my house and their is a lien on my title and an unsatisfied judgement on my credit record due to this debt. It was paid in full and when I call the phone number   XXXX   or   XXXX     XXXX   XXXX   XXXX   it either plays a continuous busy signal or a recording says " all circuits are busy ''. My closing date is in a week and I need this cleared up. Please help in any way you can.
This submittal is associated with complaint # XXXX in that this is the bank my check was written against. I had made a mistake in writing a check ( # XXXX ) to the assisted care facility for my mother 's care. The figure amount was {$2000.00}, however, the written amount was " XXXX ''. Wells Fargo Bank credited my account for the abovementioned amount. When they received the actual check the discrepancy between the figure amount and the written amount should have raised a " Red Flag '' as to what is the correct amount to credit my account. Previous checks have been written against my account for the figure amount ( {$2000.00}, XXXX thru XXXX ). When I questioned the bank 's Branch Representative of why this check was not denied. I was informed that they go by the written amount and not the figure. This I believe to be improper business practice because it might render a customer account in an overdraft situation.
I moved from XXXX to XXXX in XXXX, XXXX, and have been a resident of XXXX since then. During the last 4 years, I have received several letters from Equifax notifying me of a " new '' address, which always turns out to be the " old '' address in XXXX that I moved from in XXXX. I called Equifax and corrected the address error. On XXXX XXXX, XXXX, I received XXXX letters form Equifax. XXXX letter said my new address was my prior address in XXXX : the second letter said that my new address was the address in XXXX! These arrived on the same day! I will scan these letters and try to forward them to you. The most recent letter I received from Equifax is dated XXXX/XXXX/XXXX. This latest letter has once again notified me that my new address is now back in XXXX. I have spent hours trying to insure Equifax that my correct address is in XXXX, but they keep changing it back to my old address in XXXX. 
What 's going on?
I contact Experian and I filed a dispute with them. I recently received an updated report dated XX/XX/2018. Several of the accounts that I had requested be investigated were investigated and have been removed. However several accounts still remain and I am now filing this complaint because of the information that remains. I have repeatedly disputed this fraudulent account information with no resolve.
On XX/XX/2017 an amount of XXXX was added to my credit report. This debt was sold to another company and they did not have a proper contract to charge me this debt at all. NO CONTRACT!!!
I was a victom of a data breach when I was serving in the XXXX XXXX. I recieved a letter from the XXXX government stating my identity was stolen. This occured in XXXX. I have notified all XXXX credit bureaus since then numerous times with letters and police report and these items are STILL FRAUDULENTLY REPORTING on my credit report. I spoke with a supervisor at Equifax on XXXX XXXX XXXX and was told they would contact me within 4 days with dispute results, they did not. I then called and spoke with a XXXX, she would NOT let me speak with her supervisor. She would NOT remove these fraudulent items. She also WOULD NOT remove the items reporting as late pays that were NOT EVER late. I have written formal letters again more recently on XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX and submitted them by mail to the bureaus along with my correct indentification and supporting documentation.according to the law, they must respond within 45 days of recieving my letters from their investigation. They must provide me legal notorized documentation from the lenders proving these items are mine or else they MUST REMOVE THEM. I called to notify them twice now and was told they would not remove them. This is a direct violation of the law.
My wife and I have had a Merrill Lynch XXXX " wrap '' account for about 25 years. My wife also has her own Checking/Savings account at Bank of America, Merrill 's parent. She deposited a check against her B of A account into the Merrill Lynch account at a B of A ATM. One week later, the funds were still not in the ML account. This has never happened before in the many other instances she has done the same exact type of deposit transaction. I asked her to check her B of A account activity and, sure enough, her balance was lower by the amount of the check ( {$1500.00} XXXX. I called ML 's customer service rep and was told that checks can " take up to 8 days to clear '' and appear in the account balance EVEN IF THE CHECK IS FROM B OF A, THEIR PARENT! I asked, " if the funds are already out of my wife 's B of A account but not yet in mine, where are the funds right now? I was provided no answer to this seemingly simple question. Are they ( BofA/ML ) deriving some benefit from holding my funds temporarily?
I had an account with flagstar and had my checks direct deposited from ssid. The had stopped depositing my check without notice. I had an overdraft on my account of about XXXX or so when my check should have been deposited. I called the bank and spoke with the manager at that time. He told me when my check were to start comming back in this amount wouild be detictued at that time. Before my checks started comming back in the bank was attaching fees not under my contract with them when I opened my account. The charged me XXXX per day overdraft fees for over a month. This was a fee not under our contract nor was I ever informed of fees like this at any time. The law states they have to inform you of changes to an account. They can not just attach them like Flagstar did. I has several accounts with them for years and never had this happen or heard this bank did this. This amount is all service charges.
XXXX has been non-compliant with removing the unverified account FRANKLIN COLLECTION SVCS INC XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that FRANKLIN COLLECTION SVCS INC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
XXXXNaveint : Loan is a loan that came due in XXXX XXXX upon XXXX. Still paying on loan ( almost 16 years ). Payment was {$390.00}. In XXXX XXXX we requested auto pay be increased to {$480.00} with the goal of paying the balance off in 5 years. Current employer is reimbursing us annually from XXXX - XXXX timetable for the next 5 years for student loan. The XXXX XXXX payment was changed to {$140.00} without our knowledge, consent or direction. when calling them today they said that they did an internal audit that reduced the payment. I told them we had no desire to have the loan extend to the 30 year timeline nor was it their decision to make this change without direction and/or permission. This seems to be an illegal and immoral business practice on their part. It looks like they have been audited on their business practices before. It it has happened to us, I am sure this is a larger global business practice. I pushed payment to them of {$390.00} - supervisor is suppose to manually post it with the auto payment and put our payment back to the {$480.00}. How many customers have they done this to. How many customers are n't paying attention. This error would have also cost us money on re-reimbursement as well as increasing the term of the loan. 

XXXX XXXX
discover personal loans ref # XXXX on XXXX XXXX XXXX, I spoke with Discover loans who said I was eligible for a XXXX dollar loan based on my report and credit score. I had to upload my tax returns and schedule E. I was contacted by one of their team members XXXX shortly after i Uploaded the documents to say they could n't read them properly and they asked me to resend them. via their uploading system so they could 'hurry up and get the loan processed ' They then called me back and asked for XXXX XXXX, I uploaded this to them again and spoke with XXXX in their call center in XXXX XXXX she said she would make sure it got over to the relevant processing department, they were finally going to get the loan processed within 48 hours. 48 hours passed. I heard nothing. I emailed them. I heard nothing. I emailed them again. I have enclosed a copy of the email chain i sent them. 
Today I receive a letter from them dated XXXX XXXX! the actual day that I was speaking to XXXX, they went onto the credit bureaus and could n't process the loan! They did this BEFORE i had been approved, they had already approved my loan, they just wanted to verify my income! hence that was why i was emailing and uploading the documents. They have also given me a credit card increase and I have perfect credit! does this company even know what they are doing?????!!!
I have been paying my payments on time and reporting that I was late a few time when I was n't really date only for 2 days. How am 30 days late. Please have them remove the late payment which is affecting my credit score and personal life. 





















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Excessive calling after asking not to contact me under any circumstances. Speaking aggresive of other inquiries and information on my credit report. Excessively pulling inquiries without my authorization XXXX a week and every other day. Talking over me being very unprofessional and then hung up on me while I was talking. This is messing with my health and agitation of the pre-existing health problems I endureXXXX to the point of cancelling the doctor appointments I had scheduled.
I have an account with Coinbase that I opened through my XXXX XXXX using the Coinbase app. I found out that XXXX and Coinbase are linked within the same company and started my application for opening an account on XXXX as well. When I was at the stage of verifying my I.D . on XXXX, upon completion, I instantly received an email from Coinbase stating " Your USD wallet on Coinbase has been deactivated due to eligibility restrictions. '' I had and currently still have {$730.00} USD in the deleted USD wallet in Coinbase. I was able to locate the Deleted wallet and saw there was a withdraw button that should allow me to withdraw {$730.00} from the deleted USD wallet in Coinbase back into my wired bank account with XXXX XXXX XXXX. Upon trying to withdraw my {$730.00}, I received an email stating " Hi XXXX XXXX, A withdrawal of {$730.00} ( + {$0.00} banking fee ) has been initiated. {$730.00} will arrive in your bank account by XX/XX/2017. Although a bank transfer fee may apply, Coinbase does not charge a fee for this transaction. '' Followed by receiving another email simultaneously stating " Hi XXXX XXXX, On XX/XX/2017, you ordered {$0.00} USD via your payment method for {$730.00} USD. Unfortunately this transaction has been canceled. Although we try to avoid canceling transactions, in rare circumstances certain transactions can not be processed due to requirements imposed by our banking partners or other technical errors. If your payment method was charged, you will receive a full refund as quickly as possible. Coinbase will not charge any fees for this transaction. If you have any questions, please contact our customer support team. '' As of right now, I am not able to retrieve my {$730.00} cents out of the deleted USD wallet on Coinbase.
Got the email about the equifax data breach. Have been getting emails about my credit score decreasing from equifax ( about 3 emails in the past 2-3 weeks ). One email said it was due to a new account being opened, which I did not do.
Waited for some of the dust to settle after the data breach announcement, tried to check my report with XXXX. After entering all the sensitive data, which does not make me feel good in the first place, got a message about the request not being able to be serviced due to an overload on the system. ( why could n't this information be conveyed before all the sensitive data is transmitted??? ).
It has been less than a year since my last credit report at experian, and I hoped that equifax had fixed the problem and decided to try to request the credit report from them. Got a similar message about the server being overloaded due to the high volume of requests.
I should n't have to pay for a credit report because one of the top companies supposed to be charged with protecting the data gets hacked. Guess I 'll have to wait till most of the damage is done if I am a victim of identity theft.
My mortgage company ( Ditech ) changed their computer accounting system which caused them to incorrectly report me as being 30 days late on my mortgage payment. They put this on my credit record. This happened back in XXXX of 2016. After several phone calls to them, they have not corrected the error. I found out about this when I went to apply for a loan. What can I do about this? They are very unresponsive, but they do admit to the error. Thank you.
I will like to have the inquiry removed from my credit I never authorized to processed never signed a document to review my credit for a rental apartment. we where going to process but the last minute I said no I do n't want it. please email me back XXXX or call XXXX
I leased a vehicle for 3 years. I paid every month by the due date. My report shows that I was 30 days late on XXXX 2012. I paid {$370.00} every month for 36 months. I did not miss a payment. I would like to dispute that I was 30 days late on XXXX 2012.
Ocwen Loan Servicing, LLC continues their mortgaging servicing misconduct by sustaining the breaching of the binding modification contract after accepting our successful trial payments.

Ocwen still disingenuously maintains their game plan of deception by continuing to misinform us, our attorney XXXX XXXX and the Florida Office of Financial Regulation as attachments show by stating on their XX/XX/XXXX letter to the Florida Office of Financial Regulation page 3 which I quote : " the account is in foreclosure and on a temporary hold, which may be lifted at any time '' buy yet fail to notify the courts of such posture as their latest motion neglects this info proceeding with the foreclosure.

Ocwen still refuses to honor the modification agreement due their claim of not receiving back the signed agreement copy which was never received and neglects to provide proof that it even exists after multiple requests by us and our attorney.

Ocwen failed to pay our insurance premium that should have been paid from escrow payments made during our successful trial payment period to our established insurance carrier of 38 years causing its cancellation and then without our consent substituted the policy with their insurance choice at doubled the premium with less coverage.

Ocwen as attachments show, deceitfully ignored our appeal unilaterally violating the RESPA ( Real Estate Settlement Procedures Act ) stature.
In 2001 XXXX XXXX authorized a subprime loan for a mortgage that was way to much for the economy, value of the home, and area.its been over 16yrs of paying this underwater mortgage after selling the loan to several other companies XXXX XXXX XXXX XXXX now New York community bank they have my home in foreclosure! I have raised my children here and now my grandchildren do n't want to lose my home.
We disputed and item on our credit card with Capitol One. The rental of an auto. We provided documentation that showed the charges, however Capitol one has stated that the are correct and want to charge us for the bill.
On XX/XX/19, I received a total of 38 calls on my mobile number, along with 24 calls to my familys my members home phone number, and they had repeated told comenity that I was not living there yet repeatedly called. They also were very rude and gave them my personal info. In regards what the matter was for.
I 've mailed a certified letter to Equifax on XXXX XXXX, XXXX and XXXX. XXXX, XXXX regarding incorrect reporting of my XXXX XXXX XXXX student loans. Despite XXXX written requests, including original documentation from XXXX XXXX to support my dispute that XXXX XXXX has changed their name to XXXX and the XXXX delinquent accounts on my Equifax report should be reporting CURRENT they still remain on my credit in violation of Federal Law. XXXX XXXX changed their name to XXXX on XXXX XXXX, XXXX and all my loans through XXXX XXXX and XXXX were never reported past due or late in XXXX or XXXX XXXX or XXXX XXXX. Please see attached documentation from XXXX.
After numerous attempts to get the proof that Eastern and their client are relying on to prove up their claim I owe them money, all I get is that their clients unsigned invoice is validation of the debt and their say so is proof they noticed me properly. In what part of the Consumer Protection Laws does it state that " saying so '' makes it so? I demand proof of their claims. I never got noticed as required by law. I never agreed or obligated to pay any such charges they are billing to me. According to their invoice they did some thing on three different days, that seems more than ample opportunity to have gotten some type of signature on a contract to pay. But, it still does not prove I was sent proper notice, which leaves the issue of an illegal collection posting to my credit reports.