WillisBack/dataset-financial-user-claim huggingface dataset:
To whom it may concern On XX/XX/XXXX, I submitted a dispute to USAA, dispute # XXXX. I requested to have my funds recovered due to The XXXX XXXX XXXX not rendering services after receiving payment from me. 

There were two charges made to my USAA account to Attorney XXXX XXXX XXXX : XX/XX/XXXX for {$100.00} XX/XX/XXXX for {$100.00} USAA reversed the credit owed to my account in error. Whoever handled my case did not thoroughly investigate. I wished they would have waited for my response. 

Please see attached receipts paying XXXX XXXX and email sent from USAA regarding credit was to be reverse or debited from my account on XX/XX/XXXX. 

On XXXX, XXXX, XXXX I fired Attorney XXXX XXXX XXXX for lying, not communicating, failure to show up to court, and stealing money from clients without rendering services as requested causing more issues I later had to fix myself. There is an official court record stating I no longer want XXXX XXXX to represent me. This means he has no legal right to work for me or handle any legal matters on my behalf. See attach court document. 

I myself conducted my own thorough investigation and submitted documents to the State Bar of Texas. I also handled all of my legal matters that the XXXX XXXX firm did not handle or had no legal right to handle on/after date XX/XX/XXXX per court document I submitted to the judge. This also cost me additional court expenses. 

The State Bar of Texas found XXXX XXXX guilty. See attach letter received. 

Because XXXX XXXX has contacted me numerous of times demanding for more money via email. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I am requesting for a reconsideration of my dispute case. Please see attach emails received from XXXX XXXX. I am unable to open the invoice attach due to the attachment stating its not safe to open but will be happy to forward these emails upon request.
I already disputed my debt with the previous Debt collector, XXXX XXXX who represented XXXX XXXX XXXX XXXX, the original creditor through cfpb in XXXX for failure to provide evidence that I owe such debt. On XX/XX/XXXX, I received a letter from Haltsted Financial Serivces, LLC, reference number XXXX, claiming that I owe XXXX XXXX XXXX XXXX, Reference Number XXXX. Haltstead Financial Services, LLC claims that I owe {$1200.00} to XXXX XXXX XXXX and that they will discount 50 % off the amount if I choose to pay before XXXX/XXXX/XXXX. They also claim that they tried to contact me by mail but I never received such notice until now. This is the second time XXXX XXXX XXXX has share my name, social security and private information to debt collecting agencies. They are harassing me for a debt that I never owed.
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 
XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXX  XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXXXXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXX XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXX / XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete
I filed an complaint with Citi Cards CBNA on XX/XX/2015, I advised Citi Cards that, Title 15 U.S.C. 1681s-2, " Responsibilities of furnishers of information to consumer reporting agencies, '' mandates the reporting of only accurate, verifiable information. Put another way, the FCRA requires that all items on my credit report must be verifiable, accurate and complete. In this regard, I hereby requested a copy of the original contract, signed by me, that began this alleged debt. This copy must contain my authentic signature, and must be mailed to the address provided below. 
As I am sure Citi Cards are aware, if the documentation requested above is not available, the disputed item must be removed from my credit report, otherwise Citi Cards company will be in violation of the FCRA. 

Unless the original, signed contract is provided to me within 10 days of your receipt of this letter, I will be forced to assume that Citi Cards are intent on failing to comply with the law. In this case, the item must be removed from my credit report. If Citi Cards fail to respond in writing, signed by hand, in a timely manner, I will assume that Citi Cards are in error and this matter will be challenged. As Citi Cards further know, this notice has the same effect as a dispute of the accuracy of the alleged debt and Citi Cards claims. This notice is an attempt to collect evidence of your noncompliance in case further action is required. It is not a statement, election or waiver of status. 
If you fail to comply within 15 days from the dispute dated XX/XX/2015, I will file a complaint with the CFPB, as well as the XXXX. 
As of today XX/XX/2015, Citi Cards have not provided the contract with my authentic signature that begun this alleged debt. The allotted time for dispute pursuant to the FCRA has expired and the tradeline is currently reporting on the CRA.
I have subitted proof over 12 times in the past few years in regards to XXXX. which is XXXX for the amount of {$2300.00}. I have disputed this information and yet the item still remains. The apartment complex was paid directly XXXX XXXX and the property manager gave me a signed letter after receipt of payment indicating they received the full balance and my balance was XXXX. All the reasons I provided are BY LAW grounds to have it deleted and I am still dealing with the same issue. If this item is not deleted, I will be forced to use all avenues provided to me as a consumer if the credit bureaus do not abide by the laws governed and remove the items.
On XXXX XXXX 2017, I went to BB & T at XXXX XXXX XXXX XXXX drive thru. My intent was to simply cash a check and to make a cash deposit into my checking account. The original teller asked what did I need help with and she was given the above request. She walked off and another teller named XXXX came to the Window. She took the  check and cash and make a deposit. When she gave me a receipt, I reiterated that I wanted to cash the check and only deposit the cash. She apologized and stayed she would void the transaction and re-do it. After this was done, she finally have me the cash from the check and she said other the money had been deposited as it originally should have. I drive off and continue on with my day. I check my account a few hours later to find out my account was overdrawn the actual amount I made the deposit for. I called the bank manager XXXX who stated she would call the operations manager and have my money reinstated to my account by end of business day. End of business day comes and I did not hear from XXXX nor any one from BB & T. As the consumer I was extremely upset because I had employees to pay which did not get paid and also accumulated late fees on bills that 's were due that day. BbandT finally refunded the money but was short {$100.00} of the original cash that was given to the teller and it also did not include the overdraft fees. I had to call XXXX back once again who said she would fix the problem. The overdraft fees finally were refunded but still missing the full amount originally deposited. I went into the branch and spoke with XXXX branch manager who could not clearly explain what happened to the rest of my refunded money. She referred me to operations manager who also did not refund the money. I also asked that the cameras be pulled and and interview with the teller that created this disaster. Still nothing and they refuse to refund the missing money. I will never recommend or bank with the financial institute ever again and I will not stop making complaints until my money is refunded!
I contact XXXX XXXX regarding my application for the XXXX XXXX XXXX XXXX program. Previously, they had provided me inconsistent information about the number of qualified payments I had made and I reached out to them seeking clarify and more information. 

On XX/XX/XXXX, I talked to operator XXXX who stated that there were 23 payments under review and that I would receive a response by XX/XX/XXXX. 

On XX/XX/XXXX I talked to operator XXXX who stated that I would need to wait another 30 days. They reported I had 671 eligible payments and that 13 were under review. 

On XX/XX/XXXX I talked to operator XXXX who said they had no updates and no information. 

On XX/XX/XXXX, I spoke with supervisor XXXX who stated they would send a direct email to the treasury department and hoped to have a response in two weeks. They said I should be receiving/hearing something in two weeks, and that she would follow up if there was no response. 

It is now XX/XX/XXXX and I have not received any response. I still do not have any information or clarity about the number of qualifying payments that I have made for the PSLF program.
I made XXXX purchases on XXXX, on XXXX XXXX and XXXX XXXX, 2015, for {$150.00} each, using a credit card from Chase bank. 
These were purchases, but Chase insists that they were cash advances, and accordingly charged me a {$10.00} cash advance transaction fee and a higher cash advance interest rate. 
After I confronted Chase with a statement from XXXX saying that XXXX does not process cash advances, and threatened to file a complaint with the CFPB, they refunded my transaction fees as a " courtesy, '' but continue to insist that they were cash advances ( although I received no cash or anything similar from the transactions ) and continue to charge me interest on these transaction at the higher cash advance rate. 
Interestingly, on my annual summary Chase correctly classifies these transactions as the purchase of a service, while nevertheless insisting in correspondence that they were cash advances. 
I would like these transactions reclassified as purchases ( consistent with XXXX 's classification ), and excess interest charged refunded to my account.
My mom had an mortgage with Ocwen and she passed away in 2005. They told us that we were n't aloud back in the house and they would not let us know anything about the account. But they did a loan modification with my brother and they took his checks which they had cashed the same checks four or five times. They recently hit us with foreclosure papers. They charged us XXXX in interest. I applied for a loan modification in my name and they denied me. The loan was for XXXX in the beginning. But now they are saying that i need a total of XXXX. Every time I talk to someone they keep telling me that the documents they had me sign, they never got them. And I have to resend them over and over. The same thing happens when I call they keep giving me different answers to my questions. I can never get a straight answer from anyone.
I have a credit inquiry on my credit file that I did not authorized from Wells Fargo Dealer Services dated XX/XX/2017.
I received a wage garnishment paperwork stating they were going to start garnish my paycheck. Issue is they have the wrong person. No one verified social security and date of birth, along with it shows a middle initial for a name but I don't have a middle name. This debt is not mine. I just ran my credit report and I have 0 negative remarks or any collection remarks. It is a collection agency that went to court but no one verified anything, including my employer.
I got out of work last XXXX and got behind on the payments, I have since gone back to work and I am trying to get the loan caught up but they will not offer me any kind of assistance and have started to call me every 5 or 10 miuntes every day and have now started to harass my husband and family every few milnutes. its either XXXX or XXXX calling demanding a payment right then. I offered to let them know when I could get a payment in but was told I need to do it right now. Im really trying hard but I can do only so much and I do have other bills to pay also and trying to kwwp my house out of foreclosure.
Quicken Loans pulled {$310.00} out of our checking account and put it into our escrow account without our consent. When I brought this to their attention on XXXX/XXXX/16 they admitted that it was their mistake and they would make it right, however all I get is the run around that they are looking into this and I was supposed to get this money returned within 72 hours into our checking account and I still do not have the money! I called again on XXXX/XXXX/16 and again was given the runaround that some other team will look into it on Monday XXXX/XXXX/16. I need this money! It took them but a nano second to take the money from my account, now why ca n't this be taken care of as fast? I am sitting with {$2.00} in my checking account and really need this money! This amounts to theft in my eyes and fraud! That they can go into someones checking account and take money out without consent and then give the consumer the runaround to get their money back is just not right! I do n't care how nice they are on the phone! I want my money and I want it back now!
There is a charge of {$69.00} placed on my credit report by a collection agency from XXXX from XXXX XXXX XXXX. At that time I worked for the hospital and was covered through the hospitals insurance XXXX. I had a copay which I paid each apt prior to receiving any services. I have contacted this collection agency because this is truly an error and it is affecting my credit at a critical time. The credit agency refuses to remove the from my credit file I contacted both XXXX of XXXX which has been taken over by XXXX XXXX and was told I have no balance nor were any debts sent to a collection agency. XXXX XXXX directed me to their physicians billing at XXXX that also told me I owe no money and there was no collection activity against me. Something similar happened a few months ago were XXXX XXXX sent a bill to my old address for payment of over {$700.00} which was not due. At that time I contacted XXXX XXXX who looked into the matter and it was corrected. Please help me resolve this I am attempting to apply for student loans for my daughter and this is hindering the process.
Hello I received a letter from XXXX XXXX on XX/XX/2018 that was supposed to contain information to validate a debt in the amount of {$680.00} that i'm being accused of. 
This letter did not have any proof that this account belongs to me. This document they've sent me was not an original contract signed by me. The date of birth on the " contract '' is not my date of birth. The employer listed on the " contract '' is not my employer. The social security number on the " contract '' is blank. No validating proof that this account belongs to me.
I recently received an alert about bad hit on my credit report/score. My entire life I never made any payment late whether it is Loan, credit card or Utilities bills. Rather I always make payments before time and little extra and keep reserve with my service provider or vendors. In my entire life I never have OD/NSF fees charged to my bank account.

Freedom Mortgage have reported false to all credit bureaus that I have made two months of payments late which damaged and killed my credit score and because of false reporting and fraud, my credit score dropped down rapidly and in consequences I have to pay higher rates on borrowing needs and insurance premium.

I received a phone call/voice mail on XXXX XX/XX/2018 from Mr. XXXX, Freedom Mortgage to call him back XXXX XXXX XXXX EXT XXXX to resolve the issue pending since XX/XX/2018 of misappropriation of my mortgage and extra principal payments and stealing of my money in the name of late payments/charges. When I called him back he introduced himself as Customer Ambassador and on investigation he found out misappropriation on their side and promised everything is resolved and money stolen from my account in the name of late payments fees are reversed. All of a sudden I received a severe hit to my credit score of false reporting of late payments towards my mortgage payments.

Freedom Mortgage management have damaged and killed my credit which I built in 16 years, working hard paying each and every payment on or before time. Freedom Mortgage Management is responsible for this crime, offence and liable to be prosecuted.

For Justice I demand Freedom Mortgage Management should pay damages {$100000.00} as well as criminal charges should be initiated and punished as per law to put behind the responsible management person behind bars at least for 10 years with rigorous imprisonment. These Lenders fraudsters/manipulators, blood like them should be stopped to kill/damage innocent borrowers credit score. 
I am ready to provide transactional details/statements/communications in case needed.
My husband and I opened a Chase Premier Plus joint savings and checking account in XXXX XXXX. At that time, we were informed that if we had more than {$15000.00} in all our accounts, we would not be charged a monthly service fee. Chase 's website says the same thing : " $ XXXX Monthly Service Fee, waived with one of the following each monthly statement period : An average daily balance of {$15000.00} or more in any combination of qualifying linked deposits1/investments2 OR, automatic payments to your qualifying linked Chase first mortgage from your Chase account3 '' In explaining footnote 1, Chase 's website says the following : " 1Qualifying personal deposits include : this checking account and up to XXXX personal Chase checking accounts ( excluding Chase Premier Platinum Checking and Chase Private Client CheckingSM ) ; personal Chase savings accounts ( excluding Chase Private Client SavingsSM ), Chase Liquid ( R ) Cards, CDs, certain Chase Retirement CDs, or certain Chase Retirement Money Market Accounts ( balances in Chase Money Purchase Pension and Profit Sharing Plans do not qualify ). '' In XXXX and XXXX of XXXX, I was charged a monthly service fee despite having well over the {$15000.00} threshold in our joint savings account. I called Chase and the representative there said it was a mistake, that my checking account qualified and refunded both service fees. However, I was again charged a monthly service fee in XXXX of XXXX. When I called Chase again, they informed me that only XXXX checking account could be linked, hence why I was being charged the monthly fee. However, this runs contrary to what we were told when we signed up for the account and what is written on their website.
On XXXX XXXX, 2017, I inquired online to get interest rates and yields for 5 ( 12-60 months ) staggered American Express Certificate of Deposits. They asked me to log into my Personal Savings Account with them, and select CDs ( 12-month, 24-month, etc. ) that I wanted to learn about, prompting me several times to select the button " Next '', without giving me the information I was seeking. I got tired  and suspicious and, so, I closed my login and the web-browser. Later, I went to their competitor, XXXX XXXX website. Their interest rates and yields were clearly and transparently displayed on their website, and considerably higher than those of American Express Bank and, so, I opened an account with them, selected CDs, and for funding I referred them to my Personal Savings account with American Express. They deposited nominal ( small ) amounts into my account, and asked me to log into my account, and report back to verify. When I logged back into my American Express savings account, I was horrified that they had already withdrawn the entire amount for five CDs from my account. I instantly called their customer service operator and supervisor who told me that it was a " done deal '', I had " bought '' those CDs, and I could pay pre-mature interest penalty and cancel this " sale '' but, otherwise, there was nothing they could do. I wrote a US Certified mail complaint of deceptive " sale '' by the bank ( with copies to Federal and State authorities, and FINRA ), and called back again when I was told that the account was locked by Banking Operations and that someone will get back to me within 7-10 days, but no one did. I wrote another letter, a few days later, when I received a pro forma reply essentially stating the above rule that I could cash these CDs, i.e., rescind this " sale '' after paying a pre-mature interest penalty.
I had a judgement against me with Capital One about 8 years ago. The judgment has been satisfied for several years now. The account was suppose to be removed once the account was closed. The account is over seven years old and should be removed from my credit report. I spoke with the courthouse to remove the account and provided full payment info, which they already had on file. I was told the Capital One has to remove the file. After speaking to Capital One over the past several years I seem to get nowhere. Capital One tells me that I have to have the courthouse remove it. I seem to get the runaround and no one knows who I should speak to.
Hello Team, I have mortgage loan with PNC bank which is recently transferred from XXXX. My complaint is regarding the PMI removal from my loan. I closed my loan originally with XXXXXXXX XXXX and that time they mentioned me that my PMI will automatically be removed whenever my LTV resches to 78 % so I made additional principal payments and now when I requested bank to remove the same they are asking to do appraisal and as per their document the appraisal value should come to more than my buying price of the property. 
Please find attached document for your reference. 
Original Loan Amount : {$330000.00} Current value : {$290000.00} Whenever I try to call customer care they give different answers and not willing to remove my PMI insurance even this is mentioned in my loan. Please help to resolve this issue. 

Regards XXXX
I had a hospital stay, and even though I have insouciance, bills just poored in. I contacted every one of those companies and made arrangements to get debt paid. Even financed the big bill for {$2400.00} to the hospial that I am paying down. 

In XXXX I was contacted by Transworld systems. They were representing XXXX XXXX and stated I owed {$290.00}. I did not remember that group but I said Ok lets make arrangements, {$50.00} every 2 weeks until it is paid down. 

I just got a credit report update and this is on my report as delinquent. I let them know I have done exaclty what we agreed on and I would like them to remove as I figured it was an oversight. They stated they can not as it is delinquent. I want it off ASAP. 

I am paying the next {$50.00} tomorrow and the last {$50.00} in 2 weeks. I would like this off my report before last payment.