WillisBack/dataset-financial-user-claim huggingface dataset:
I noticed ATM withdrawals being made against my Bank of America account that were not made by me. I contacted Bank of America and canceled my business debit card and explained the situation. They put the $ XXXX+ back into my account, canceled my card and issued a new one. Approximately 1-2 weeks later, Bank of America sent me a letter stating that they were taking the {$1400.00} back out of my account as they found no fraud. I appealed their decision via telephone call as I absolutely did not make the withdrawals. At that particular time, thieves were using gas station pumps to steal debit card numbers and pins. I believe that is what happened to me. Bank of America denied the appeal and refused to give me my money. At this point, I started calling the banks where my ATM card was used fraudulently. One of the banks found the video of the person that withdrew the money and it was clearly not me. I wrote a very detailed letter to Bank of America and included screen shots of the video, offering the actual video to them at their request. I also filed a police report, found several articles regarding the gas station thefts ( one that quoted a Bank of America professional ), submitted their own policy of protecting business debit cards to them and asked for another appeal. I am attaching this notarized letter to this complaint for your information. Bank of America still refused to give me my $ XXXX+ back. As a result, automatic payments went out on the account which gave me a negative bank balance. Add bank penalty fees to that and we have a mess. I hold Bank of America directly responsible for all of this as they failed to keep someone from fraudulently using my card and then absolutely REFUSED to put the stolen money back into my account after I reported the information, provided video proof and filed a police report. Please look into this matter for me. Thank you.
I have requested validation of the debt XXXX XXXX XXXX XXXX seeks to collect. I am not certain I actually authorized this debt for many reasons. I have not resided in XXXX, NE since XXXX this debt was accrued in XXXX. My wife is usually the responsible party for all medical matters as she is typically the one who takes the children to the doctor. The hospital had a bad address on file. The debt collector has been unable to furnish anything used to verify identity prior to providing services. The account information I have been shown does not have any of my personal identifying information. 

FURTHERMORE, the collection agency is trying to collect an amount that is inconsistent with the original creditor 's records AND they have re-aged the account to make it appear newer than what it actually is to cause maximum damage to my credit report. Both actions are violations of the FCRA and FDCPA.
I was on a payment plan with Target. Where they took my bank acct info and were taking payments out every month automatically. I noticed that they suddenly stopped taking the payments out of my account. I called them and they said they reported me 30 days late because I had to re-set up the payment plan. No one notified me that I needed to do so, or let me know what they payment plan was about to expire to call in and renew it. I have since renewed it and they are taking the money, however I do n't think it is fair that they reported me late when they had the control of my bank to take their payments.
On XXXX XXXX, 2016 XXXX XXXX walk into BB & T in XXXX Tennessee, she with drawer XXXX from the bank. She ask for a refund on our account and ask for the account to be closed. The teller told her, she would checking to it. No one had called. We assume the account was closed. In XXXX XXXX, we found out the account was not closed, and because I am on my uncle account, BB & T withdrawer XXXX from my uncle account. After try to explain to BB & T that we wanted our account closed and no one should have had access to the account. They said their is nothing they can do. It all bank fee,
I received a negative credit reporting about a collection account that National Credit Adjusters reported to the credit reporting agencies. I have never received any information pertaining to this account from NCA, nor had NCA every contacted me about the account. On XX/XX/XXXX, I submitted my first debt validation dispute to National Credit Adjusters ( NCA ), XXXX XXXX XXXX XXXX, XXXX, KS XXXX. NCA received my dispute on XX/XX/XXXX ( See Attachment Exhibit # 1 ). NCA responded to my dispute via a letter stating that they received my dispute ( See AttachmenXXXX Exhibit # 2 ) and would investigate it. More than 45 days lapsed and NCA did not provided the requested information outlined in my initial debt validation letter, however, NCA has continuously reported negative information to XXXX, XXXX, and XXXX. NCA has gone as far as notifying the credit reporting agencies that it has validated the account. Upon learning this from the credit reporting agencies, I requested XXXX, XXXX, and XXXX  to provide me with what NCA provided to its company that validated this account, however, each credit reporting agency instead re-started a re-investigation dispute. In an attempt to validate this account, I again submitted a follow-up letter to NCA requesting the information pertained in my initial request, and informed NCA that the information was to be provided within 10 business days from receipt of my second request ( See Attachment Exhibits # 4A and # 4B ), and further explained in the letter that it is a violation of my rights if the company fails to properly validate the account while continuing to report negative information. NCA received this second request on XX/XX/XXXX ( See Attachment Exhibit # 3 ). To date of XX/XX/XXXX, NCA has disregarded my initial request and my follow-up request to properly validate this account, but continues to report negative information about this account to XXXX, XXXX, and XXXX. More than enough time has elapsed for NCA to properly validate this account. The only option now is to ensure my consumer rights are protected in accordance with the FCRA, FCBA, and FDCPA. I hereby demand that NCA stop all negative reporting of this account to the credit bureaus, to remove all negative reporting to the credit bureaus, and issue me a letter confirming its intentions to stop and remove the negative reporting to the credit bureaus.
I 'm sending this complaint to Consumer Financial Protection Bureau because on XXXX XXXX and XXXX XXXX, 2016, though I had never charged {$1900.00} on my new CITI credit card, some Unknown CITI Investigator - or process - had entered that unauthorized {$1900.00} charge - and now, since I 'm refusing to pay, CITI will : 1. After Friday, XXXX XXXX, expect their " Fraudulent {$1900.00} Ransom Charge '' ; 2. After Friday, XXXX XXXX, expect interest on their Fraudulent Charge ; XXXX. On XXXX XXXX, charge an outlandish interest rate - 29.99 % as a penalty ; XXXX. On XXXX XXXX, charge late fees as a penalty. 

Since COSTCO 's XXXX XXXX, 2016 transition from an XXXX card to a CITI XXXX card, I - an XXXX year old -- have been dealing with financial torture - and COSTCO is at the center of it all. 
XXXX claims that it sent a {$1900.00} FRAUD case on my account to CITI - but CITI refuses to accept it as fraud. If we had stayed with XXXX, they had promised that by XXXX XXXX to totally remove that value from my account. 
But on XXXX XXXX, 2016, CITI in 2 separate letters on that same day blamed XXXX - and my wife while without remorse posted a {$1900.00} FRAUDULANT VALUE on my new XXXX account - and that value is greater than my monthly Social Security check. 
When CITI accepted the hand off of charges from XXXX, XXXX had already flagged that {$1900.00} as unauthorized and removed it from my balance - but on XXXX XXXX CITI improperly posted that value as authorized - and so, CITI ca n't seem to honestly address their accounting issues, which has put us in an uncomfortable financial tight spot. 
As far as I 'm concern, CITI has twice committed an act of Fraud - and COSTCO has been a behind-the-scenes compliant party to this financial fiasco - and what I consider unethical acts. 
If COSTCO had asked us whether we wanted to move from an XXXX card to a CITI VISA card, we would have stayed with XXXX because we have another XXXX card, which causes me some confusion. But COSTCO never gave us that opportunity of choice. COSTCO decided to move their consumers from XXXX to CITI 's XXXX card without any consideration of us. 
Now, after COSTCO behind closed doors collaborated and made some unknown agreements with XXXX, CITI, and XXXX, on XXXX XXXX, 2016, COSTCO just dump the untested consequences of their efforts on their members, which has caused me to waste too much time and energy in dealing with the mayhem of XXXX credit cards not working ; of twice needing to have credit cards reissued ; of being unable to reach CITI for many days - and of being unable to close XXXX FRAUD CASES because we never knew what COSTCO had agreed to with its cohorts.
Harvard collection. Based on state of Illinois law. You can not try to collect on an overpayment for food stamps or tanf if 12 months has passed from the original time the overpayment was given. They stating they overpaid in XX/XX/XXXX- XXXX from XX/XX/XXXX-XX/XX/XXXX and XXXX from XX/XX/XXXX-XX/XX/XXXX.First notices did not go out until XX/XX/XXXX that I never received mind u I was still getting benefits. The last notice that was sent out was XX/XX/XXXX which I never received. They wait till XX/XX/XXXX to put this on my credit report which could have been done years ago.
ATlas Credit COmpany XXXX XXXX XXXX XXXX XXXX TX XXXX Company or the Credit Bureaus have reported inaccurate information about my account they are saying i am 60 days late and that is not true problem hasnt been fixed all payments were made on time
I was contacted by bank of america on XXXX XXXX, 2015 asking me if i spent money at certain places. I told them i havent used that card in awhile. So they gave me the next steps to get my money back. I recieved a letter in the mail stating that they concluded that the charges were authorized. I called them to see exactly how they came to this conclusion because i didnt authorize any charges. They told me that since person who charged the card had my address and the security code from the back that they had the card in their possession. That was not possible because i had the card the whole time. I asked for the information from the company that i supposedly bought the items from. When I called said company a kid answered the phone and seemed very timid when i asked about the company and asked if it was a business. Not wanting to give to much information i hung up and called the bank back to tell them they obviously didnt research the fraudulent charge since I had come to the conclusion in 5 minutes that there wasnt a company by that name. They told me that the case had been closed and i was not getting my money back. I since then have filed a report with the police. This is a state issued card that is for child support.
I had a mortgage on my home at XXXX XXXX XXXX, XXXX, SC XXXX. The mortgage was originated by XXXX XXXX Bank in XXXX and subsequently assigned to Ditech Financial, LLC. The home was sold on XXXX/XXXX/16, with payment in full received by Ditech on XXXX according to XXXX of their representatives. The payoff received was more than the amount owed, and Ditech was holding almost {$2700.00} in escrow for insurance and taxes at that time. Since the closing occurred more than 30 days ago but I had not received a refund, I called customer service. The representative I spoke to said Ditech was holding my money and will issue a refund " sometime next week. '' I asked the rep whether Ditech was going to pay me interest for holding my money for 30 days plus w/o my consent and he told me they will not. He went on to say they are " required '' to hold any overages for 30 days. I am an attorney who represents banks and other financial institutions. I am not aware of any requirement that overages left in an account following a complete payoff must be held for 30 days ( plus another week for them to " process '' the refund ). I believe Ditech is using the float on my money to make more money for itself w/o compensating me for its use. I understand that Ditech services millions of mortgages in the US alone. If they are doing this every time a loan is paid off, they are making literally millions of dollars every year wrongfully withholding money from borrowers who have no agreement with them allowing them to do so without compensation after they ( or the lenders for which they are servicing the loans ) have been paid in full. Nice job if you can get it. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX
XXXX : Multiple account with wrong information, Date of last payment false, Loan amount wrong, Balance on XXXX, Open dates wrong, close dates wrong. I have disputed this for over 2 years still no resolution. 

Equifax : Multiple account with wrong information, Date of last payment false, Loan amount wrong, Balance on XXXX, Open dates wrong, close dates wrong. I have disputed this for over 2 years still no resolution. 

XXXX  : Multiple account with wrong information, Date of last payment false, Loan amount wrong, Balance on XXXX, Open dates wrong, close dates wrong. I have disputed this for over 2 years still no resolution. 

These student loans have been around since XX/XX/1998 and they continue to get updated with fake payments so the servicer keep them active.
I have repeatedly disputed XXXX accounts with Navient, which from my research were recently purchased from another lender. I have asked on more than XXXX occasion that all communication be done in writing only, so that I may keep records. 

Navient has instead chosen to spoof their number and repeatedly call me looking for the account holder ( which i am not ). It is ILLEGAL for a collections agent to block, alter, or otherwise attempt to make their phone number appear as a local caller instead of the actual phone number.
XX/XX/XXXX, I visited XXXX XXXX community in hope to find a home. I found my dream home at XXXX XXXX XXXX and we entered into a contract on XX/XX/XXXX is the date I signed. However due to the holidays other would sign the first week in XX/XX/XXXX with a closing date XX/XX/XXXX. I thought everything went well I was told XX/XX/XXXX is the target closing date and I could be changed if need be. I wasnt communicated that DHI wouldn't give me a loan being that they were the one who had given me a pre qualification. Around XXXX I was told by XXXX the loan officer that he wanted me to speak with another loan officer from a different company XXXX or I would need around {$18000.00}! XXXX of XXXX wasn't any help she requested that I refinance my car and I that I put 5 % down payment. My agent asked to change the close date to XX/XX/XXXX, we was told we would get the updated close date document, we never received it. I was suggested to go to a third loan office late XX/XX/XXXX/XX/XX/XXXX to I provided them with all the required paperwork and was waiting on a pre qualification letter. Then I started to get emails about the contract which my sales agent told me to disregard and sge would to let her sales manager know we were waiting for XXXX to provide a prequal. To later learn while I was still actively under contract for the for that home another buyer was allowed to place a backup contract on my house. Needless to say XXXX XXXX cancelled my loan and put the new loan in effect. Despite doing everything I was asked I still lost the house. I am very displeased with the home buying process.
I had previously filed a complaint XXXX XXXX and did not add that the rate renewal shall be based on the unpaid balance. Capital One has based it on the original loan amount.
Suntrust Mortgage sent a letter stating I needed to provide proof of flood insurance because their system showed an update as of X/XX/2017 that changed my condominium 's flood zone from XXXX to XXXX. I contacted my home owner 's association ( HOA ) rep, and she stated that per the association insurance company, my property is not in a flood zone. <P/>With all the back and forth, Suntrust force placed flood insurance on the condominium unit. I got the notification today, X/XX/2017. The letter is dated X/XX/2017. I contacted Suntrust to find out what they used to determine my unit was in a flood zone and was on the phone with the insurance department for 30 minutes. I was checking the FEMA flood map for my address while I was on the phone with them and it shows clearly that it 's in zone XXXX. They finally admitted that they do n't have any documentation that shows my flood zone changed from XXXX to XXXX. <P/>They are requiring that I show proof that it 's not in zone XXXX. I am upset that they can force place flood insurance without any proof that my property is in a flood zone, and that I have to get proof to show otherwise. That 's like saying Suntrust thinks I 'm guilty and I have to provide proof I 'm innocent. Should n't it be the other way around? Should n't they have to show documentation of a change in the flood zone? My HOA would need documentation before getting insurance coverage, why is Suntrust allowed to force place flood insurance without proof? <P/>Suntrust should either show proof that my condo unit is in a flood zone, or take that insurance off as well as refund me the fees and interest they charged because of that insurance.
XXXX XXXX I am recently divorced, without a Divorce Settlement, at the present time. Divorce has been dragging on for XXXX XXXX years. The Mortgage Company, for the jointly owned residence has been less than fair and have failed miserably to their own privacy laws. They have let my ex-husband call in and change the mailing address for mortgage account information 3 times, in which they rang pre-arranged payments, made by myself, who lives at residence, in my ex-husbands name on an account he has never been on. My personal checking account. They then sent him letters, with my banking information on them, at his new address, with his new girlfriend. The payments that were sent through in his name where sent back, as stop payment. I had to pay XXXX dollars more each payment, because of that, which was their fault. I have already went through the loan modification process with the Mortgage Company and ended up owing XXXX dollars more a month, now another XXXX dollars to that. Where did that help? 
Since my ex-husband has messed with account information. There has been a court ordered Protection Order set into effect, on him. The Mortgage Company has been notified, notified, notified and notified about the situation and that I reside at residence and my personal financial information, is my privacy. Since my banking information was given out to my ex-husband, I felt I needed to set up new accounts, for doing my personal financial business. The mortgage Company was sending payments thru on unauthorized dates, on the account that was compromised, by the mortgage company. Have experienced overdraft fees and stop payment fees, because of their actions. I did n't even know if my other monthly bills would be sent back, because of the mortgage companies action, because of their unfair methods of doing business. 
I called mortgage company and tried to give them my new banking information, but they refused to take it and now need a letter, giving them permission to send payments through on new account, that I felt had to be done to protect my personal finances. Why would I be contacting them and try to set up payments, only to be refused and oh now you owe more money, because of their way of conducting business. No one should have to put up with this, from any company and especially the unlawful practices, from these companies ... ... ... ... ... ....
On XXXX XXXX XXXX 2017 I went to chase to open a chase liquid account whitout know that the banker that was helping me applied for a credit card for me without my consent i just received a letter stating that my credit card application was not approved and i was confused because i have never applied for a credit card that s not what i went for.
I AM FILING THIS COMPLAINT BECAUSE XXXX HAS IGNORED MY REQUEST TO PROVIDE ME WITH THE DOCUMENTS THAT THEIR COMPANY HAS ON FILE THAT WAS USED TO VERIFY THE ACCOUNTS AND INQUIRIES I DISPUTED BEING THAT THEY HAVE GONE PASS 30 DAYS MARK AND CAN NOT VERIFY THESE ACCOUNTS ( NOT BY JUST TELLING ME THE ACCOUNT OR INQUIRIES HAVE BEEN VERIFIED ) UNDER SECTION XXXX ( XXXX ) ( A ) OF THE FCRA THEY ARE REQUIRED TO PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED : THAT I HAVE DISPUTED. PLEASE RESOLVE THIS MATTER AS SOON AS POSSIBLE
I asked for a loan for boa, in the amount of XXXX with a five percent down, everything was going fine until the underwriter said it was impossible to comute form XXXX to XXXX where I work, so the bank wanted XXXX more because of my comute, I feel that is not fair to assume such thing, so I had to close the loan out after losing about XXXX in lawyer fees and a check to the broker to start the process.i feel boa should have told me upfront that they had problems with my commute.this was informed to me on XX/XX/18, two weeks into the loan process when my loan officer was telling me everything was all right.
Credit reporting agencies have wrong job information as current job. I work for XXXX XXXX where I been since XX/XX/2008.
Bank of America has a " hard '' credit inquiry dated XX/XX/2016 still listed on my XXXX credit bureau report. 

According to the FCRA ( Fair Credit Reporting Act ), passed by Congress, all inquiries older than 2 years old on a consumer 's credit file, must be deleted by the credit bureau. 

I have contacted both Bank of America and XXXX credit bureau to have them remove this inquiry from my credit bureau credit report.
I applied for a home improvement loan over the phone through XXXX XXXX at 9 % in XX/XX/XXXX of 2015. Prior to that, I had a checking account and a credit card with them that was in good standing. Because of this the fund was deposited into my checking account within a few days. Several weeks later, I received the loan documents in the mail requesting my signature and notice the interest rate was 18 % instead of 9 %. Immediately, I contacted the bank regarding this matter and was told, they would review the original phone call and make the proper adjustment. After a month, I checked my account and notice no change was made to the loan. I called again and was told once again that they would look into the matter and make the proper adjustment. Since then, I have made several phone calls, a visit to my local branch to resolved the matter, and was told over and over that they would make the changes but it never happened. After waiting for a year, I disputed the loan by certified mail. I gave them 30 days to respond but they never did. I have sent three certified letters and they have not validated my account bearing my signature.They are still reporting my account as being late to the credit bureaus and have refused to mark the account as disputed. This have greatly impacted my credit score negatively.
The three accounts below have a wrong balance. 


1. XXXX XXXX XXXX XXXX {$120.00} {$300.00} 41 % Revolving Current XX/XX/2017 2. XXXX XXXX   XXXX {$140.00} {$200.00} 72 % Revolving Current XX/XX/2017 3. XXXX XXXX XXXX XXXX XXXX {$190.00} {$200.00} 100 % Revolving Current XX/XX/2017