WillisBack/dataset-financial-user-claim huggingface dataset:
I had opened a saving acct on XX/XX/19 td bank @ XXXX XXXX XXXX XXXX branch. I specified to the banker who opened my acct please do not send me any atm card. Until I check my mobile banking I saw two unauthorized atm withdrawal, I contacted the bank directly and dispute a fraud claim. Few days later they denial my claim due to atm withdrawal was in my geography area. Spoke with the claim dept and they suggested to file a police report. Then refiled a new claim with police report number, few days later they denial my claim again due to no fraud occurred because the PIN number was entered correctly. I purposed ask the claim dept to speak to fraud dept to pull up the camera and they said they dont have fraud dept that I can speak to. Went to the bank few times and spoke with the bank employee regarding this matter and they couldnt help. Im very frustrated about this fraud occurred and bank couldnt take another action to investigate. I have been banking with this td for the past 8 years and never had any issue with them until last month I opened a new saving acct with them and suddenly found out the banker who opened my acct requested to send an atm card which I never asked for it. Then I filed a complaint with usps about mail stolen or loss.
I signed a lease with XXXX XXXX Apartments XXXX XXXX XXXX, XXXX and following that we were harassed by neighbors and maintenance crews due to my XXXX orientation. I was forced to break the lease and leave the apartment complex due to my fear of continued residency at this location. I moved from the complex on XXXX XXXX, XXXX and that was approximatley 2 months prior to the end term of lease. In doing so, I left the complex and submitted a note explaining this detail along with keys to management office. In turn, I was presented with a lawsuit from XXXX XXXX XXXX in XXXX, Florida in the amount of {$2700.00}. Moving forward, I sent correspondence to this attorney, again, detailing my reasoning for quick move. The attorney replied and stating that this was not sufficent evidence to break lease and actually they never INVESTIGATED THE INCIDENT! Again, moving forward, the creditor filed a claim with credit bureau in the amount of {$2700.00}. It showed up on my credit report as a debt to original creditor in the amount of {$2700.00}. Later the original creditor employed FIDELITY XXXX in XXXX, California XXXX XXXX. XXXX XXXX XXXX, California XXXX / Telephone ( XXXX ) XXXX / Fax ( XXXX ) XXXX / XXXX XXXX XXXX - Legal Department EXT XXXX. 

My account was XXXX XXXX APARTMENTS / Account # XXXX XXXX XXXX, XXXX - The collection agency requested {$3500.00} to settle the debt of {$2700.00}. These funds had to be in their office same day XXXX/XXXX/XXXX to fullfill the case. On XXXX/XXXX/XXXX They demanded {$4200.00} to settle the exact same date PLUS interest of XXXX cents per day. The original creditor DID NOT RETAIN A JUDGMENT against me for the {$2700.00}, therefore interest would not be due without them obtaining a judgement. My lease did not provide for any interest accruing on the past due debt. They did not credit me with my security deposit in the amount of {$1200.00} and did not advise me if the unit was rented which would have resulted in additional credit to me. I have applied for A XXXX HOME LOAN. This fraud on behalf of the collection agency has prevented me from being able to purchase my home. Also, this debt was filed as A DISPUTE and CLEARLY shows on my credit report as being a legal disputed and recognized by the FCRA reporting act. In addition, the creditor has NEVER VERIFIED the debt in writing, although requested by me on numerous occasions. 

I need HELP FROM YOUR AGENCY ASAP AND I THANK YOU IN ADVANCE FOR YOUR TIME, REVIEW AND ASSISTANCE ON THIS MATTER. 

Should you have any questions or need additional information, please contact me at the following : XXXX XXXX XXXX XXXX XXXX ) XXXXXXXXXXXX ( T XXXX XXXX
This is regarding complaint XXXX. The Lender still has not show proof of ownership. The lender is clearly stated as XXXX XXXX XXXX XXXXXXXX A New York Company . This company is not listed in the Division of banking or any New York Data base showing this company existed or has been registed as a lender. I am looking for the transfer papers from XXXX XXXX to another lender that many have purchased this loan. 
Proof not provided in response of complaint XXXX.
Sent certified letter like they asked with proveing death of my step father and papa and was told bye a cap one rep late payments would be removed from all XXXX credit company 's on XXXX XXXX he insured me of it a few times
To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing chargeoff/collection/late on XXXX/XXXX/2017. this account was open while being XXXX oversea. I am XXXX XXXX military and place for alert on my credit report to stop this type abuse from this company and I have ask this company to send me documents to show I open this account and sign for this account. Until this day they have not provide this information. I challenge the accuracy, compliance and reportability of this listing. Please validate this information with XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. )  Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX, CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action
XXXX account number XXXX this account is out of date its past the original it can be reported check the first date is was past due it has a zero bal and needs to be removed
I checked my credit report and found an inquiry from SYNCBWALMART PLCC. ( XXXX, XXXX, FL XXXX, XXXX ) I have not applied for any credit cards. I tried to call the number listed on my credit report by XXXX, but it wants me to enter my SSN or account number ( which I do n't have because the application was fraudulent ).
The Bankruptcy Courts have mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the U. S. Bankruptcy Courts confirmed EXPERIAN, XXXX, XXXX  Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. Neither Credit Bureau have provided me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature.
I have a mortgage at US Bank, so when my home was damaged by a fire, my insurance company sent the money for repairs to the bank. There were no problems with an initial payout to the contractor, but now the work is almost finished and a final inspection is required by the bank before they will release the remainder of the contractors money. I requested that inspection on XX/XX/XXXX. The banks process says I will be contacted in 8 days. I waited the 8 days and was not contacted for the inspection. Now Im calling the bank every day and still no inspector has called. The office people have been polite, but they arent getting this taken care of, and arent letting me escalate my problem to anyone else who might get this going. Im under tremendous pressure from the contractor who needs his money to finish, but I have nothing but were so sorry from the bank.
I had a collection filed on me for a loss of the car it says that it was charged off years ago but it showed back up as collection.
Its been more than 4 years that we have requested unsuccessfully access to the table that the First Bank used to compute the prevailing maximum rate for the conventional mortgage from XX/XX/XXXX to XX/XX/XXXX and also we have send First Bank a certified letter on XX/XX/XXXX describing in details why we are requesting that table. The certified letter was received but until this day has n't been answer.
I have a checking account with Bank Of America. On XX/XX/XXXX, a wire transfer for {$2300.00} to a person that I don't know, under the name of XXXX XXXX, took place. On XX/XX/XXXX, a second wire worth {$2400.00} was wired to the same person. I DID NOT AUTHORIZED such transactions. I don't know that person. Those were fraudulent transactions and Bank of America failed to send me email Alerts to me alerting me about such fraudulent transactions that took place behind my back and were never authorized by me. As I never received email alerts, I couldn't react on time to halt or prevent the bank that my checking account was being hacked. 
I placed a complaint against Bank Of America, which denied my claimed, saying that I have authorized such transactions. On the cited days, I didn't receive text messages from BOA on my mobile, which means, I didn't program wire transfers on those days. I DID NOT AUTHORIZED SUCH TRANSACTIONS, AND BANK OF AMERICA FAILED TO SEND ME EMAIL ALERTS ABOUT SUCH FRAUDULENT TRANSACTIONS.
1. On XXXX XXXX, XXXX my car was repossessed by World Omni ( XXXX XXXX XXXX XXXX ) from my home in XXXX XXXX, FL. 
2. Their clam is that I was mailed A Notice of Our Notice to Sell on XXXX XXXX 3. They claim that they mailed a Repossession Accounting Statement on XXXX XXXX, XXXX I have written several letters ( attached ) disputing their claims When you see their paperwork it clearly says XXXX XXXX XXXX. 
This not my address I have constant problems with this as my mail gets delivered to XXXX XXXX I did not receive any correspondence from World Omni concerning my car. 
I was deprived of my right to recover the car by making monetary arrangements or paying off the balance within the allotted recovery time When they sent their answer to my correspondence on XXXX XXXX, XXXX it was received by me because it had the correct address which is XXXX XXXX I have asked them to provide proof that I received the following documents by certified or signature proof of delivery 9-506. EFFECT OF ERRORS OR OMISSIONS.
9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 
9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.
9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.
These documents are required by law by the UCC Code and must show proof of delivery or the repossession is a violation of law. 

I further asked that the record be removed from all the credit reporting agencies immediately. 
They have refused to acknowledge that this charge is disputed with credit bureaus and is inflicting harm to my ability to get loans of any kind I fully intend to sue if this is not resolved as this is causing me mental anguish as well as monetary hardship
Harassing phone calls repeatedly, even after notifying them that I 'm not allowed calls.ike this during my work hours. Continued to call me 5/6 times daily during work hours. Threatened on the phone that a civil case would be filed against me in the county I reside in. Lied about mailing a letter to me on XXXX XXXX when the letter was dated XXXX XXXX.
I have student loans that are serviced by Navient. I do not know who actually lent me the money. Unfortunately I never obtained a job that paid enough to pay the monthly payments the different loan servicers want. While I have received numerous forbearances due to low income, I am now retired and receive social security. Several years ago someone from XXXX XXXX told me about a program XXXX XXXX ( the loan servicer at the time ) had that tied your loan payments to income. I applied for it and was told by phone I was accepted. However, they did not know how much the monthly payment was. I caled back numerous times and got different people each time and received different responses. Soon Navient took over the loans and I reaplied for an income based repayment program. Again I was informed by phone that I was accepted but I had no notice of what the payment was going to be. Even though I have repeatedly requested that my communications be by mail, Navient never sent me any IBR program acceptance letters, or official notice of how much the payments were. They only send emails. In the fall of XXXX I was informed by phone that I was in the program, but within one month was getting email notices from Navient that I owed payments of over XXXX per month. Every time I called to ask about this, the representatives in the call center ( which was located in the XXXX - I asked them ) didnt know about the IBR program or was told to reapply. At Navient the right hand never seems to know what the left hand is doing. People also told me I qualified for forgiveness because I was a full time instructor for XXXX students. Navient said I did not qualify. 

I am now a senior now XXXX XXXX XXXX XXXX ) and dont know what to do. I am very scared about the future and fear Navient will take my social Security or my home. I can afford a minimal payment, but cant get the loan servicer to commit to a firm arrangement. Please help and thank you
I asked for my payments to be lowered and was told that they do n't refinance. I have n't been involved with the co-signer for three years and they have told me that there was no way to remove him from the contract. I make all the payments by myself. The total price of the vehicle is suppose to be {$14000.00}. The total with interest is suppose to be {$30000.00}. I have paid up to XX/XX/2017 a  total of {$21000.00} by my best calculations. I 've been told by XXXX XXXX XXXX which is located in XXXX Utah that I have a balance of {$9300.00} this seems wrong in more ways then one. I feel I 'm being ripped off with this high interest and would like to know if CFPB can tell me if this whole transaction has been legal. If it is then I really need help getting my payments lowered and the interest down if possible.
I bought a used XXXX XXXX car XXXX ( plate was XXXX before XXXX sent new XXXX XXXX ). My husband XXXX XXXX and I have a XXXX account that is replenished automatically XXXX our XXXX card ( ending in XXXX ). We have no idea if was because of the plate or transponder not working but XXXX bridge crossings XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX did n't register. We spent a lengthy amount of time with XXXX resolving the issue ; them admitting error, apologizing and assuring us that it all was good and settled. 3 months later I started getting collections notices from PAM ( their dept agency ) and has been an unending nightmare ever since. I have done everything they said to DISPUTE the charges - that are now XXXX the toll, XXXX charges of $ XXXX each, total {$220.00}. PAM will not let me talk to XXXX, or access records of our conversations. XXXX PAM employee said I should just XXXX it up and pay the charges even though it not right or fair. Is that what you suggest? Do I have any recourse other than hiring a lawyer, which I sure will cost me more than {$220.00}. Please let me know, XXXX, XXXX XXXX XXXX
for 6 months i have asked wells fargo to provide me with either loan modifcation documents, short sale or deed in lieu applications due to falling behind on my mortgage after finding false liens put on my property by my condo association, in which these liens were on my property prior to me receiving a modiication from wells Fargo in late 2014 after 5 years of lies and deciet. 
title documents fraudently done to allow me to receive my modifcation. 
when i found out these liens were there i turned to wells fargo for assistance, for them to advise how the modification can go through with these liens on my property. they claim they werent there and i have proved they were, they have themselves made a claim with the title company to cover themselves, but refuse to give me any help. 
they have sent me letters, clearly stating they deny me any help what so ever. and now they have placed a home into a collection agency, who states and wells fargo states they are going to foreclose on. 
they have said you received a mod in 2014, if your financial situation has changed we will re-review, 6 months still nothing. of course my financail situation changed. 
i requested deed in lieu documents - refused. 
there is no protection here with this company every step i take im denied and lied too. 
the office of the president at weels doesnt review these letters, because they dont care, they sent to a customer service rep in the esculation department, that literally has yelled at me, demeaned me and again refused to provide me with any assistance to maintain my home.
The loan company is XXXX and the loan officer is XXXX. 
Recently, I had a contract on my home. Over a month later, this lender decided to give a denial letter. We, my realtors, and the buyers asked if everything was ok just a week prior, he said market wonderful. Some issues from an old school debt but that ok. They wanted to extend the contract. Agreeing and asking for more, earnest money deposit. Now this lender waited until 1 day before closing and denied their loan. This has made my house months on realtor called he was very nasty. Condescending, and downright cruel. My name is XXXX the property in question is located at XXXX, FL XXXX From : XXXX Sent : XX/XX/2017 To : XXXX Subject : Re : Loan denial I think Neale should be responsible for that or the loan company cause we were not told about the income they just denied us now we have t start over for the third time this is the second house we lost cause of XXXX
Dear Sirs, Doing our taxes we just realized this. 
On XX/XX/2018 we made a wire transfer for {$7500.00} from our Citi business account. 
On XX/XX/XXXX, we were charged again {$7500.00} and another wire went to the same person. 

Basically, Citi had some sort of system failure that charged us twice. 

When I call them, they say that the only thing they can do is issue a recall, and when we tried to reach the recipient we receive to answer. 

Please, let us know if you need al pertinent information to be able to help us.
I am so upset about the shady business practices performed by Chase bank. I was told overdraft fees wouldnt be charged if funds were placed in account by XXXX XXXX next day. I have payed so many overdraft fees @ $ XXXX/per overdraft and almost all ATM 's, except two would be charged @ $ XXXX/each time used! I understand banks need to make money but the amount they were taking on a monthly basis was INSANE! I also have not received any helpful services that I needed. I even had to go to a different company to just get something notorized due to unreasonable hardships for such a siple task of customer services.I feel this is becoming a HUGE problem for consumers and these misleading and gross practices, performed by, supposed respectful financial institutions has gotten out of hand! Im thinking of just forgetting this whole game @ my financial exspence, and keeping my funds on my own! I would have saved hundreds in just 6 months! BEAWRE OF CHASE BANK!
Please note that under Sections 605 and 607 of the Federal Fair Credit Reporting Act you are obligated within 30 days to delete obsolete information from my consumer credit file. The information being reported on my credit report is more than seven years old and exceeds the statutory time period under this Act and must be removed. The information to be deleted is as follows : Date : XX/XX/09 Amount : {$4800.00} Actions take by me : I have sent several letters via certified mail to all XXXX credit bureaus demanding that this erroneous information be removed along with an updated copy of my credit report that reflects the deletions of all XXXX credit bureaus.
I have repeatedly asked Citizen 's Bank to send me a mitigation loss application so I can apply for loan modification ; they keep saying they are going to send it, but never do. It has been more than a month now since my initial request they mail me an application.
My sister, XXXX XXXX, submitted a fraudulent application in a variation of my late mother 's name. The name used was XXXX XXXX XXXX using my mother 's social security number and my sister 's address of XXXX XXXX XXXX in XXXX, Massachusetts
There are XXXX collections from this collector. The lesser XXXX is for {$540.00}. I paid this debt and asked if I could make payments on the other. They never withdrew payments towards the other, and now both debts are back on my credit report as new debts.
PIN CRED SERXXXX XXXX 2013Closed {$820.00}