WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX I discovered unauthorized charges on my bank statement and reported them to Chase and filed a police report. While the fraud began with a single {$5.00} charge in XX/XX/XXXX, there was XXXX charges totaling {$1300.00} XX/XX/XXXX that caught my attention. 
XX/XX/XXXX I closed this account and reopened another account with the same bank. 

Today I followed up with the bank and I was told that even though this unauthorized charge was reported within 60 days of occurring, they were not going conduct an investigation or credit my account because the initial fraud of {$5.00} occurred and went unreported XXXX. ( I was informed I needed to pay better attention to my statements ) This unauthorized transaction occurred using a guest account with XXXX, who quickly identified and flagged their account as fraud, froze the funds and let me know the funds can be recovered, although I have to go though my bank to initiate the credit. 

Is this accurate? Can a bank not investigate an unauthorized charge to your account because that same company fraudulently charged your account an insignificant amount outside their 60 days reporting window?
I have been trying to work with CITI Mortgage for years to save my home. 
Everything they have requested of me I have done. 
I sent in all requested documents and found that the person assigned was no longer with the company. No one could find his files and I have had to start over, over and over. 
They sent me a summons and complaint I answered and their lawyer rejected and wrote in a marker over my submission to the Court on my behalf. 
I tried to talk with CITI and no one knows what is going on in my account.
I never signed a contract with Monterey Financial. They threaten to file suit against me. The debt is in collections they are adding interest every month to a account thats in collections and reporting it as late on my credit report. I tried contacting to solve debt by paying they wouldnt accept my offer. The manager doesnt know how to properly communicate. Theyre continuously harassing me calling either to early in the XXXX or to late in the afternoon. I would be satisfied if this debt is removed my account especially since theyre reporting false inaccuracies. If a account is added to collections as a debt that is supposed to be closed but still reporting as late and causing the amount to grow for no accurate reason.
Many fraud charges appeared on the card.
Card company ( Capital One ) removed all of them.
But a month later card company added one back and said in a letter, " I 've found no indication of fraud. '' Three phone calls and one live chat later, they refuse to remove the charge that is fraudulent.
They advertise heavily on TV 100 % fraud protection, but they are violating both their own advertising and the law.
The charge :   XXXX   XXXX    XXXX  #  XXXX  Transaction DateSunday,  XXXX / XXXX /2017 Posted DateWednesday,  XXXX / XXXX /2017 DetailsMovies Appears on your statement as :   XXXX   XXXX   XXXX    #   XXXX    XXXX  FL   XXXX   US
I am aware that there is currently several lawsuits against Wells Fargo for failing to properly investigate account fraud claims, and have been closing accounts involved without providing notice to the customer, so I am taking any and all steps to preserve a record of my efforts to recover my funds. My current WF fraud claim number is XXXX 1. On XX/XX/XXXX, I noticed that certain emails were not making their way into my inbox on gmail. 
2. Upon closer inspection, I noticed that some of my email traffic was ending up directly in the trash bin within my XXXX account. 
3. I immediately noticed that there were several XXXX transactions reflecting the forwarding of several large cash transfers from my account to a variety of people, none of whom I know. Nor have I ever used XXXX before and not since. 
4. I called Wells Fargo immediately to notify them of what had happened. I verbally registered a report with Wells Fargo Fraud Dept, but my claim was denied approximately 7 days after I registered my complaint. They did not make contact with me to ascertain any of the facts. They merely claimed that the transfers were done via a secure online session and must have been with my authority. 
5. I then submitted several pages to the Wells Fargo fraud dept to support my claim of online fraud, and again my claim was denied by Wells Fargo. This is despite the clear evidence I provided that someone hacked into my email and my Wells Fargo account, changed my contact information, attempted to open up several cash card accounts, reassigned a XXXX account from my phone to two other phones ( not mine ), and then transfered the balance in my checking account to several people via the XXXX app. 
6. I have since filed a police report with my local Police Dept. and have filed a claim against Wells Fargo via the FTC website.
Credit Card was open by Fraud back in 2017. I have sent 3 request to all 3 Bureaus, Experian, XXXX and XXXX to have this deleted from my credit reports, Per Bureaus waiting on response from XXXX XXXX XXXX and will initiate removal. Please delete record on my credit report, this is affecting my ability to close on my house this month due to this incorrect and erroneous reporting for a card opened by Fraud.
on XX/XX/XXXX I paid XXXX of my balance leaving a XXXX dollar balance, on XX/XX/XXXX Capital One charged me XXXX dollar interest fee.??? They will not remove the charge and I asked how can you charge me that much interest on XXXX??? The rep could not give me a straight answer.
I have an auto loan that is financed through Chase Bank since XXXX XXXX. One time since the creation of the auto loan, I had a late payment back in XXXX XXXX. To avoid that in the future, I set up alerts through Chase 's online banking website where it will alert me by e-mail if a payment has not been received and another alert to remind me that payment is due within a day of the due date. However, for XX/XX/XXXX, I did not receive those alerts. My due date is XXXX/XXXX/XXXX. I realized the payment is late and can only submit it for XXXX/XXXX/XXXX. I contacted Chase and their online banking department has noticed that I have not received any alerts since XX/XX/XXXX. They told me to update my alerts in my account again to update their database. I asked if I would still get penalized for the late payment which the operate transferred me to another department. Once I had to explain the issue again, the new operator submitted an inquiry to see if my increased interest that will accrue due to the amount of days after my due date can be waived. They said that around XXXX/XXXX/XXXX, I would get some kind of response back from Chase Bank to see if my inquiry is valid enough for them to waive the fees. They assured me that the late payment will not go against me on my credit score since Kansas laws have a 10 day leniency when submitting late payment but interest will still accrue for the amount of days after the due date and until a payment has been made.
I have disputed the late payments on this XXXX  XXXX account for months. XXXX  and XXXX  have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX  on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
I set up a payment arrangement with Genesis Credit Management the beginning of XX/XX/XXXX. The account rep in charge at the time ( XXXX XXXX ) offered me a deal that stated I would make weekly payments to the account until I paid off half of the full balance and, at the time it would be considered paid and closed and would be deleted from my credit. I have continually made weekly payments from $ XXXX {$250.00}. The rare occasions I had to change the amount or could not pay I called in advance and made the arrangement, and each time I verified it would not void my offer and was told it would not. A payment has never bounced. My account rep has changed numerous times due to ternover at the company but, I have Verified numerous times with each rep that the original offer still Stands, and have always been told yes. That once I paid half ( around {$4500.00} ) it would be closed and deleted. I have asked if I needed something in writing and was told no because, everything is recorded and there are full notes on the account. Less than a month ago when they called to renew my payment arrangement the woman I spoke to ( I believe XXXX XXXX said she was assigned to my account, and that by XXXX I would owe less than {$800.00} which, I agreed to pay with my taxes and the account would be closed and deleted from my credit. This past week I called to adjust my payment arrangement due to a layoff, and XXXX told me that come XXXX I would pay {$4500.00} to close it. I informed her that wasnt what was agreed upon and she directed me to a supervisor. I spoke to him ( XXXX XXXX ) about the Issue and he said the original guy that offered me the deal shouldnt have. I said that wasnt my problem and that Ive alwahs verified the terms with each new rep. He said he could take 55 % of the remaining balance which is {$1900.00} and that because it wasnt in writing he would not honor it. I told him I have worked XXXX XXXX XXXX XXXX XXXXt and that, what is stated on recording needs to be withheld. He informed me that he would not check the recording and that he would note on the account I want taking advantage of the settlement offer.
I am filing this complaint against EXPERIAN. This is regarding the XXXX ACCOUNT ref # XXXX. This account was disputed to Experian on two occasions. This items has been been disputed to other bureaus and was already removed by Experian. It was re-inserted on my credit report without notifying me. I did not receive any notification in any form. Aside from that, this account is being reported with incorrect balance, status and inaccurate payment history which violated FCRA.
VIOLATION OF MY CONUMER RIGHTS .... 
TAX LIEN ON MY CREDIT REPORT ... .... PUBLIC RECORD I received a bill from XXXX XXXX XXXX VIA XXXX XXXX XXXX XXXX FOR UTILITY BILL FROM PERIODS OF XX/XX/15 - XX/XX/2015. TO SUMMARIZE THIS I WAS NO LONGER LIVING AT THIS LOCATION REQUESTED DISCONNECTION BEFORE MOVING AND SIGNED A NEW LEASE ON XX/XX/2015. THIS HAS REALLY HURT MY CREDIT AS WELL POSTED A NEGATIVE PUBLIC RECORD ON MY CONSUMER PROFILE. MY IDENTITY HAS BEEN SOLD TO A THIRD PARTY COLLECTION AGENCY TO WHOM I HAVE NEVER HAD A CONTRACT WITH AND DIDNT AUTHORIZED THEM TO HAVE MY PERSONAL INFORMATION OR TO REPORT ANY FALSE INACCURACIES AGAINST ME. AS A CONSUMER MY RIGHTS HAVE BEEN VIOLATED UNDER THE FAIR CREDIT REPORTING ACT. I HAVE ENCLOSED MY LEASE DATING BACK TO XX/XX/2015 WHICH PROVES THIS BILL IS NOT MINE. I AM BEING DENIED CREDIT
In XX/XX/XXXX I had someone open a XXXX cell phone in my name with out my knowledge. I disputed this with XXXX and it was resolved and deleted. now a collection agency is reporting that I have a new collection with them as of XX/XX/XXXX I do not have a collection. and this was identity theft from XXXX years ago.
My credit score dropped over XXXX points in less than a week due to what is show as a " Serious Delinquency. '' The payment was 9 days late due to a technical issue with online bill pay ( I was sent a physical check made out to XXXX whereas the funds should have been wired ). XXXX refunded the late fee due to the error and reviewed the check yet still the credit agencies deflated my score. The payment was for {$130.00}. It is currently listed as a 30-day serious delinquency
On XXXX XXXX, 2016 I requested a transfer of {$2000.00} from my saving account ( XXXX saving XXXX ) to my checking account ( XXXX + XXXX checking XXXX ) I was told I could not make this transfer because there was a hold on my account because there was no signature card on file. 
REGIONS BANK CUSTOMER SERVICE e-mailed me a blank signature card and requested I have it NOTAEIZED and e-male it to them ( attached ). 
I complied with this request ( attached ) 3 times each time I was told to go a local branch I live in XXXX there is no local branch so I mailed the form with a return recipe ( attached ). I was told this was a copy and not accepted. and sent another form I had that form NOTARIZED and mailed to them. note : raised stamp is not required in VIRGINIA I have had a checking account with Regions Bank for over 15 years.
I received a aggressive, frightening and threatening notice from the company XXXX XXXX XXXX XXXX this week. Its some kind of fishing attempt to extort money from me. My first name is mis-spelled. And they claim that I owe {$1000.00} to XXXX XXXX XXXX. 

I do have a XXXX XXXXXXXX XXXX credit card ( a brand new account opened in XX/XX/XXXX my limit is only {$400.00} and my name is spelled correctly ). 

This " fake billing '' has nothing to do with my current/new account with XXXX XXXX XXXX Account. 

My husband just bought a house in XX/XX/XXXX. And this is the second fake fishing expedition " bill '' we've received in oddly a version of my name only. Like they are trying to attack the wife/spouse? I cant remember the supposed name of the creditor in that first fake billing sent -- to our old address, and we don't have it either, but it was some place I have never done business with. 

Furthermore, we haven't had any credit cards since the year XXXX,XXXX, XXXX. And we filed a Chapter XXXX in XXXX and then a Chapter XXXX from XXXX to XXXX when it closed. We were unable to get any new credit until the year XXXX. 

We have just been able to repair our credit rating after 7 very long years, and now this type of XXXX starts to " show up '' attacking us. 

We find it extra fishy that they claim to represent XXXX XXXXXXXX XXXX ... .and I just opened a XXXX XXXXXXXX XXXX account in XX/XX/XXXX.
Navient began by repeatedly calling from various numbers. A complaint was filed XX/XX/XXXX # XXXX. They continue to call-the numbers are blocked but still show that someone has tried calling. XX/XX/XXXX XXXX from XXXX XX/XX/XXXX XXXX and XXXX XXXX XXXX. These calls are AFTER they agreed to cease calling! 
They have been directed THREE TIMES to CEASE CONTACT with XXXX COUNTY and yet they continue to fax various departments that have no access to the information they are requesting. 
This is impacting my employment! If I lose my job THEN WHAT?????
I wrote to Capital One on XXXX XXXX concerning chargeoff showing on my credit report. I asked them to prove that this account was mine. They never responded so I sent them another letter on XXXX XXXX. They never responded to this letter either and just stonewalled me. They have a responsibility to prove the reporting or delete it.
On XXXX/XXXX/2015, I scheduled a XXXX time draft payment of {$470.00} to be deducted from my XXXX Bank checking account. 

On XXXX/XXXX/2015, a double payment of {$940.00} was debited from my checking account causing my account to go into a negative balance. I immediately called PennyMac Mortgage Company. XXXX XXXX, faxed a request to XXXX for {$470.00} to be refunded to my checking account. Also, investigation # XXXX opened. ( To date, I have not heard any status on this investigation ). 

On XXXX/XXXX/2015, Called again, spoke with XXXX XXXX at extension XXXX. Faxed the same request to XXXX to his attention. 

XXXX/XXXX/2015, XXXX XXXX extension XXXX, she told me she would start the refund. She would call at XXXX ( EST ) for a conference all to my bank to vfy the debit would be honored, that no dispute was in process. 

XXXX/XXXX/2015, I called XXXX at XXXX after receiving no phone call. She verified needed information with bank. 

XXXX/XXXX/2015, Left voicemail with XXXX, no response. 

Fees I am incurring so far .... 
XXXX/XXXX/2015 Debit Memo {$6.00} ( {$610.00} ) Memo : SERV CHG XXXX/XXXX/2015 Service Charge {$6.00} ( {$600.00} ) Memo : SUSTAINED OD XXXX/XXXX/2015 Service Charge {$6.00} ( {$590.00} ) Memo : SUSTAINED OD XXXX/XXXX/2015 Fee eNotice {$70.00} ( {$590.00} ) Memo : OVERDRAFT ( XXXX AT {$35.00} EACH ) I explained to XXXX XXXX who seemed to sympatize with me that this issue is turning my world UPSIDE DOWN!!! I live paycheck to paycheck like many Americans in today 's society. My account is overdrawn. I have no money to live on, for gas, groceries, etc. I had to borrow money from family to pay my bills with MONEY ORDERS. I am incurring fees that I can not afford. THIS IS EXTREMLY UPSETTING AND THE COMPANY SEEMS TO MAKE NO EFFORT TO RESOLVE THIS OTHER THAN CALLING MY BANK TO ENSURE THEY GET THEIR FUNDS!!! HOW INSULTING!!! 


I want a refund of {$470.00} for the payment that was debited from my account in error plus {$90.00} for the fees that I have incurred from XXXX Bank for my account being overdrawn. On XXXX, I was assured that I would receive a refund, it has been 9 DAYS!!!!!!! Each day I am so upset & stressed out. It 's just not fair that this company is getting away with this!!!
XX/XX/XXXX   : purchased virtual currency.   XX/XX/XXXX  : s old the purchased currency for a profit.
   XX/XX/XXXX    : The company, Coinbase, locked my account so i could not access my money, or perform further transactions.
  XX/XX/XXXX -T oday : almost daily emails,  XXXX , messages, service requests to either unlock my account, or return the cash to my bank.
Today : account still locked.
They have basically taken my money and kept it to themselves.
The day before the payday loan that I had was due my account and card were both locked by Speedy Cash. I was unable to log into the account to make any payments or review loan information. The company said this was an internal security precaution and that I should use an ID to pay in person. After visiting a Speedy Cash branch, I was told that my prepaid debit card had been locked and that it would not be possible to process any future payments. Two years later, on XX/XX/19, a derogatory entry from a collection agency for a Speedy Cash payday loan, suddenly appeared on my credit report. I was not contacted by Speedy Cash in any way and did not receive notice from a collection agency.
To Specialized Loan Servicing / XXXX XXXX XXXX XXXX XXXX, Please verify that there are no other existing versions of the alleged note other than the two you have supplied to us. We desire that there be no more surprises of differing notes.suddenly appearing. If you are holding other copies that are different in any way, shape or form from these two copies claimed to be the copies of original note please send these to us now..We hope for your cooperation in this matter.
I applied for a HELOC with US Bank roughly 5 months ago. During this time I have provided all requested documents and information for the application. I have been given the run-around for months and told almost monthly I 'd get some kind of update. I have received no credit decision even after all this time.
LOSS OF WORK PUT US IN A SITUATION OF FALLING BEHIND ON OUR MORTGAGE FOR 4 MONTHS. THEN WE FINALLY WERE ABLE TO MAKE A FULL PAYMENT DURING THE 4TH MONTH AND XXXX XXXX XXXX WOULD N'T ACCEPT ANYTHING LESS THEN THE 4 FULL MONTHS. THEN THEY TOLD US TO FILL OUT A HARDSHIP PACKAGE SO THEY COULD SEE WHAT PROGRAM WE QUAILIFIED FOR. 1 1/2 MONTHS IN THE PROCESS THEY SOLD OUR MORTGAGE TO A COMPANY WE 'VE NEVER HEARD OF " CARRINGTON ''. THE HARDSHIP PACKAGE WAS NEVER FORWARDED TO CARRINGTON AND CARRINGTON WOULD N'T ACCEPT PAYMENTS BASED ON THE INFORMATION XXXX XXXX XXXX GAVE THEM. SO HAD TO SUBMIT ANOTHER HARDSHIP PACK WITH THEM. NOW AT 8/9 MONTHS BEHIND THEY TELL US WE DO N'T QUALIFY FOR ANYTHING OTHER THEN LIQUIDATING OUR HOUSE. THEY TOLD US WE CA N'T APPEAL THE PROCESS BECAUSE US FALLING BEHIND HAD NOTHING TO DO WITH LOSS OF INCOME. I HAVE NO IDEA WHERE THEY CAME UP WITH THAT XXXX. I SENT THEM MY UNEMPLOYMENT BENEFIT PAGE SHOWING HOW MUCH I RECEIVE AND WHEN IT BEGAN. WE WANT TO KEEP OUR HOME, WE OFFERED THEM {$5000.00} DOWN ( THATS 75 % OF WHAT WE OWE ) AND THEN WORK OUT A PLAN THAT WE COULD PAY SOME EXTRA EACH MONTH ONTOP OF OUR NORMAL PAYMENT TO GET US BACK ON TRACK AND THEY SAID NO. WE HAVE LIVED IN THE HOME FOR 12 1/2 YEARS.
XXXX XXXX XXXX , XXXX ( XXXX XXXX XXXX ) sent a letter ( attached ) to collect and settle a debt and gave me 3 options. 
The 1st options was to pay a lump sum of {$4100.00} " a 70 % discount '' The 2nd option was to pay {$570.00} for 12 months " a 50 % discount '' The 3rd option was to pay {$50.00} a month " call for details '' I chose option 1 and sent a check for {$4100.00} to settle this account which they received and cashed out. ( Attached ). 
I was sent another letter indicating I owe an additional {$9600.00} ( attached ) This is a deceptive practice and a violation of the Fair Debt Collection Practices Act ( FDCPA ) by lying and incorrectly reporting this to credit reporting agencies. I checked my credit report and this debt was reported as a charge off by XXXX on X-XX-2015 in the amount of {$12000.00} and XXXX XXXX is reporting opened on X-XX-2015 in the amount of {$13000.00}.
After applying for a loan, my credit was ran and to my surprise there was a collection reporting from a XXXX XXXX  that I had no clue of. The credit bureau has been reporting this under my social security number. Thy are reporting inaccurate and incomplete information. I send them a certified letter in the mail with tracking number XXXX XXXX XXXX XXXX XXXX demanding a validation of this medical account as I have already contacted the medical facility and of course they cant provide the statement at the time. Since they could not provide an itemized statement for the services, they clearly are in violation of the FCRA and FDCPA. With that being said I demanded that the credit bureau complete the investigation of the allegedly medical collection and remove it because the provider can not validate the information being reported on my credit report.
On XX/XX/14i visited XXXX XXXX dental office for extraction inform them at time of visit that i changed dental insurance from XXXX XXXX XXXX to XXXX XXXX gabe my XXXX XXXX card paid my copay and the billed XXXX XXXX XXXX and XXXX XXXX for services when XXXX XXXX inform me and said for them to resubmit without XXXX XXXX on bill they did not my XXXX XXXX # XXXX group # XXXX i work for XXXX XXXX insurance automatically come out my pay i ask XXXX XXXX if i could pay one dollar just to get it of my report they refuse dont see how this could be my fault if the billed incorrectly XXXX remove it and so did XXXX. XXXX wont even let me file a dispute again
They are calling and harassing myself as well as family members saying I committed check fraud on a payday loan. I have never taken a payday loan on line.Threatened me with arrest and then claimed that they will see me in court. The call comes from an unknown number. Messages left to call this company ARA XXXX XXXX XXXX. They spoke with my brother a woman named XXXX XXXX saying I committed check fraud. That is also the name left on my voice mail and my daughters stating I committed check fraud. I called the rep no name given refused to send proof said I would see it in court. Then transferred to legal dept supposedly but he answers as the office manager. Spoke with XXXX XXXX who called me a thief told me maybe I should close my mouth. Tried to get me to confirm my social and checking. Gave past personal information address and checking account number as well as an email address none of these in use for several years and tried to threaten my family with legal action.
I 've sent many letters to each COLLECTION AGENCY to remove CLOSED ACCOUNTS and to provide proof that i authorized and if they CAN provide proof to send it to me.