WillisBack/dataset-financial-user-claim huggingface dataset:
I had a joint account with my husband at Chase which I was the primary account holder. My husband deposited XXXX checks during the month of XXXX XXXX, of {$200.00} each check from an account he had/has in New York with XXXX, under his name alone which he had prior to marry me ( I do n't know if he still has it ). I had no knowledge he was doing that those checks were NSF. On XXXX XXXX, XXXX he wrote a check to himself from our joint account from Chase in the amount of {$1100.00} which made the account to be overdrawn in the amount of {$1000.00}. the account remained NSF until XXXX XXXX, XXXX when I was able to deposit money to cover the overdraft. In the meantime Chase reported me, not my husband, to XXXX " Suspected Fraud Activity '', I understand they could had reported me as NSF account, but the Suspected Fraud Activity was done by my husband with his XXXX checks. Now it shows as paid in full but still my name shows as " Suspected Fraud Activity '' and he has not been reported at all, and this is affecting me and I did n't even had knowledge of this activity. Please help me clear my name from this list. Thank you in advance.
I purchased a XXXX star hotel reservation i a certain area from XXXX on the telephone while looking at the hotel listing online. I received a XXXX star hotel in a different location. XXXX was promptly contacted about this error. The XXXX XXXX I spoke with named XXXX acknowledged that the booking mistake was a SYSTEMS ERROR on their part-which led to them booking a XXXX star hotel when our search criteria was supposed to only include XXXX XXXX hotels. After alengthy conversation & speaking with XXXX reps XXXX still refused to refund the charge. I informed XXXX that I did not accept the charges as they did not deliver what was agreed upon. We did not use the reservation. My credit card co Bank of America was contacted right away and told that we did not accept the charges and not to pay them. When the bill showed up on our B of A statement we disputed the charge. We received a letter from B of A stating the case was resolved and in our favor. Later @ XXXX/XXXXXX/XX/2015 I received a XXXX letter dated XXXX/XXXX/XX/XX/2015 saying their investigation found that we did engage in the transaction and that we owed the {$910.00} being charged. On XXXX/XXXX/XX/XX/2015 I telephoned B of A and spoke with XXXX to reactivate the dispute.I was told I did not need to contact XXXX directly as B of A was handling the dispute. I received a letter from B of A dated XXXX/XXXX/XX/XX/2015 on @ XXXX/XXXX/XX/XX/2015 saying again that we did engage with XXXX and that we had till XXXX/XXXX/XX/XX/2015 to have documenation sent to them to continue dispute. I was shocked at the last minute request as they had weeks to ask and inform me of deadlines and additional forms. Despite the untimely requests I faxed as they suggested, everything requested on XXXX/XXXX/XX/XX/2015. A letter wa also sent to XXXX describing the Dispute and that we were seeking a reasonable resolution to the matter. To date XXXX has not replied. XXXX position states : that I called and wanted to cancel the reservation due to not liking the hotel received. This is NOT true as I have stated above. XXXX did not deliver what was agreed upon. I continue to dispute the billing and have informed XXXX departments at B of A in writing. B of A received the letters delivered XXXX Mail XXXX on XXXX/XXXXXXXX at XXXX in XXXX XXXX, TX, sighed by XXXX XXXX. To date we have not received a reply.
Balance transfer : Well Fargo and XXXXI did a balance transfer ( XXXX ) from Wells Fargo to XXXX in XXXX 2015. 
XXXX claimed that they have paid the money to Wells Fargo, Story with Wells Fargo Wells Forgo says it has not received any money. I have been following up for 3 months.Calls lasting from XXXX to XXXX hrs with both banks with no resolution. 
Wells Fargo said 45 days back that they will open research case and get back to mein 30 days, I called them now and they said their Rep notes does nothave any trace of such conversation. I had asked them for a letter/emailsaying that they have not received anything, was told that no suchprocess exists.Today the representative said he has issued me a letterWhich I will get in 2 weeks. ( as I spoke about filing Consumer complaint ) XXXXThey have sent a letter with details of payment made, they also tried tocontact well Fargo and Wells Fargo did not have 'my permission ' to speak with them. Wells Fargo did not mention anything like that during my talk neither did it reach out to me to ask for any permission. 
This is seriously sub standard service ( actually no service from both banks ) and loss of my business days costing me at least XXXX times morethan the actual amount.
I noticed on my credit report that there's a new claim by XXXX XXXX XXXX XXXX for {$930.00} from a claim by XXXX. The address associated with this debt claim is XXXX XXXX  XXXX XXXX Texas. We have NEVER lived in Texas nor do we ever have XXXX. We live in XXXX CA and have XXXX. I do not know anything about this claim and therefore can not submit any " proof '' as requested by the company. I submitted a online dispute to Sequium Asset by so far have not heard from them.
I received a letter stating i have a Capital One card that was opened XX/XX/2017. I did not open this card and if you look at the purchases im sure you will find nothing belong to a man. I want this credit card removed from my credit report because i will not be paying for something I didnt authorize.I havent had access to mail box until my now ex wife moved out in which I had to have the mail box lock changed to get back access.You guys shouldnt have open that account and should have noticed something was wrong from the start.I want this account removed from my credit report. not closed but removed ....
On  XXXX     2017  I went into my local branch of  Wells Fargo to close out my account. While attempting to do this they could n't find any information associated with this account. While doing this I found out that my checking account had been changed to a brokerage account. I do not remember authorizing this.Of course I was getting monthly statements in the mail as per Wells Fargo Exhibit 1,  so they did have some information about me. They stated I would have to fill out paperwork for Corporate Account and Supplemental Account Owner Documentation in order to get my money. I did and it was faxed to  XXXX    XXXX   by  XXXX   XXXX  at the branch that day as per Exhib it 2.  When I called to get my money  five d ays later they said that I would have to fill out another document, a  Corporate Resolution as per Exhibit 3. In the meantime I get a letter in the mail from Wells Fargo Advisors, Exhibit 4,  stating that they have n't been able to get in touch with me although the forms that I filled out on  XXXX  had that information. That letter was dated  XXXX   XXXX  although I did n't get it until  XXXX . A week later I called again to close my account and they said that they needed yet another document,  Supplemental Account Owner Documentation, Exhibit 5. One week later hoping to finally get my money I was asked to provide yet another document, their Corporation Account, Exhibit 6. I was told I would finally get my money through the mail in two day  s, on Friday, only to receive a a Securities Account Agreemen t Margin Account document. I think I have been more than patient and have bent over backwards to provide documentation that they should have had and once did have. I refuse to fill out any more documents and expect this incident to be settled forthwith.
I made a payment in XX/XX/XXXX XXXX the guy said i had 6 more psyments then i made one in XXXX XXXX he said i had 6 payments left then XXXXand i called the lady said they never said that and i still owed XXXX on a XXXX loan and only admitted me paying XXXX i also made one XXXX payment and i no longer has ve the checking account i used the begining payments im moving and they do not hsve that bank were im moving to i feel like im being scammed because the loan amount keeps changing ill never pay them off being on social security.
I called on XX/XX/18 and spoke to a lady and told her that my XXXX account was not listed on any of my credit reports. I have a signed copy of the reaffirmation agreement from the court but they refuse to show my account in good standing.I was told that they will not report my account even though I was never late or missed any payments. The reaffirmation agreement with the court should make them legally have to report my account in good standing.
Hello XXXX, I purchased my home in XX/XX/2015. When I purchased my home the taxes was {$1700.00}. In less than 3 years my property taxes nearly tripled to {$7500.00} per year. Im not sure if the sellers were senior citizens who were entitled to a senior discount or in the military and receiving 70 % or greater discount that resulted in very low taxes. The sellers were not at closing, so I never met them. 

I was never informed by my mortgage loan originator ( Loan Depot ) who the sellers were. I only knew that the property was in trust. I later learned that the property taxes are based on 2 % -2.5 % of the sales price which was $ XXXX. I would like to file a complaint as a result of my property taxes tripling in just 3 short years.
my credit is taking a hit unneccesarily. I pay all bills on time and XXXX out my credit card balances monthly.
ChekSystem did a temporary quick fixed on about end of XXXX XXXX then I can open an account on XX/XX/XXXX and now after I tried to open an open in XX/XX/XXXX but bank decline to open an account and referred me to ChekSystem again. So far since XX/XX/XXXX up to date I have never have any activity with loan or any credit card with any finance institution. I need ChekSystem to fix the problem not just only did it for temporary only
XX/XX/2015 I paid {$2500.00} in one payment and my regular monthly payment is {$900.00}. The difference was intended to be principle but they placed the amount in an escrow account for insurance. The insurance was cancelled as I obtained my own and the escrow was supposed to be closed in XX/XX/XXXX and refund checks in the amount of {$180.00}. and {$910.00} we due to me. The letter stating this is attached. I have never received the checks. I called the office 3 weeks ago and they said they had to research and call me back. They never called so I called them a few days ago. The customer service person said I was n't entitled to the refund and the letter was in error. He also said the notes said if I called tell me that. I am entitled to the refunds. How can they sent a letter and then change their mind and not contact me. I would like this business audited by the Justice Department. I believe they are a crooked business and scam artists. I am a XXXX, if you do n't have time XXXX, I would be happy to assist.
I sent a certified letter to XXXX XXXX requesting that they validate NOT verify a debt that they are attempting to collect from me. I requested a signed agreement and other supporting documentation. They in return provided me with billing statements which does not prove that I am obligated to pay them. They have/are reporting delinquent information to the credit bureaus which I am asking to be deleted. Documents are attached.
I wanted to report that a Sourh Carolina magistrate judge granted Portfolio Recovery Associates a {$2000.00} judgement against me today even though the lawyer representing XXXX had no original account documentation and no chain of custody from the party they claim was the original creditor, XXXX Online bank. The account was opened according to their records in XX/XX/XXXX. Their evidence was three statements. One from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. PRA claims they purchased the account from XXXX XXXX XXXX and they simply provided an assignment of a portfolio number. I argued that I did n't even know the original creditor and there was no chain or custody from them to XXXX and no original paperwork showing my signature or the terms. I cited a civil suit that the consumer protection agency won against the law partners of XXXX stating that they are now required to show original account level documentation and a complete chain of customary. The judge allowed a notarized affidavit from a representative of PRA to be used to establish the accuracy and authenticity of their claim although the rules I received from the court said no written witness statement, even notarized were allowed. The judge would not even review the civil case and admonishments from the consumer protection agency against XXXX and quickly ruled against me because I acknowledged I once had a XXXX account. I argued the amount was not verifiable but he did n't care. Does the case you won against them have no meaning for future consumers being affected by the same shoddy, unethical practices? The judge said even if I had won today I would have had to come back for a trial and prove the debt was not mine! And the amount was n't right. How do you defend against that? It 's like if they say you owe them, you do. As far as I can see, PRA, who was also fined and admonished by the consumer protection agency and cooking and winter are back to business as usual and still winning.
I contacted XXXX on XX/XX/XXXX because too much money was garnished from my wages. I was then told to contact Navient. I contacted them and was told that I would receive a check for the over paid amount ( XXXX and XXXX ) within 30-60 days. I contacted them again on XX/XX/XXXX because the second amount was garnished. I was then told it would be 60-90 days for my refund. I contacted Navient again on XX/XX/XXXX and told that now it would be 90-120 days and the money would be sent directly to my employer. I was never notified in writing or by phone call of the change in policy.
Hi, I see an unauthorized charge on my credit card. 

It is regarding following transaction on my american express card : XX/XX/XXXX XXXX XXXX XXXX Foreign Spending XXXX ( XXXX ) DOING BUSINESS AS XXXX PROCESSED ON XX/XX/XXXX REFERENCE NUMBER XXXX Looks like some transport company in New York , American express is not able to provide exact details about the merchant. 

This dispute is of a billing error in the amount of [ {$380.00} ( XXXX INR ) ] on my account. The amount is inaccurate and seems like a fraud because I never authorized this charge, Could you please help investigating this matter and help me regarding the steps I need to follow to make the culprits pay for it. 

I have already raised concerns the same time I got a message of this charge to American Express. 
Need help to fight this dispute with the merchant as this is illegal transaction. 


I will attach the document I received from American Express regarding the prrof I asked for the transaction, it is a document generated by American Express and not a document from the Merchant as a proof of transaction. 

Thank you very much for any help you can provide to resolve this issue and stop such frauds by merchants and the company.
I have sent several letters to MidState Collections asking for debt validation and proof I signed an authorization to release medical information ( diagnosis and treatment ) to a debt collection XXXX party. 
I have yet to receive validate proof and they are reporting this information on my credit report.
Received a phone call this morning from ARA XXXX claiming to be a law firm ( XXXX ). Claimed I owed a line of credit to XXXX XXXX XXXX for {$20000.00} from 1992 and that I needed to pay immediately or they would file a lawsuit with the XXXX XXXX Courts and the sheriff would be at my door with a summons. I told them I have never done business with XXXX XXXX XXXX and have never had a line of credit. He said that it has showed up on my credit report for years and many attempts have been made to collect. I told him I have never seen this on my credit and I do not owe the money and that the statue of limitations has already passed. He said I must owe the money because I know of SOL and that he could make a deal with me to settle the debt if I paid now. I once again told him I did not owe the debt - he then processed to talk over me in a very threating manner saying that he was going to file the suit and the next time I hear from then it would be the sheriff at my front door - he then screaming some profanity at me and hang up. I am over XXXX and feel that this type of behavior is getting out of control especially with the senior population.
The company by the name of DEPT OF EDUCATION/XXXX is reporting on my credit report. These loans where sold to a company by the name of XXXX. XXXX is also reporting late fees on my report which has been consolidated. All of the XXXX accounts have been on my report before XXXX and open since XXXX there 21 accounts they are reporting to my credit.
I went in to the dealership to buy a used car. They suggested a lease instead. I said no to the lease because I did not want to pay a large excise tax on a new car that I did not own. They told me that because I was " leasing '' and not " owning '' that I would only have to pay one-half ( 45 % ) of the excise tax ( 90 % at full valuation ). When I told the salesperson my concerns she reassured me, along with a floor manager, that I would not have to pay the entire tax. 

As a result of this information, I signed the lease. I got a bill last week for the FULL amount of the excise tax. When I called the dealership to question this, I was told that they never told me I would not have to pay the full fax. 

If I had been told the truth, I would not have signed the lease. You will have to pay the entire 90 % of the new car valuation on a car you do not own.
Money was supposed to be withdrawn on XX/XX/XXXX, but instead was withdrawn on XX/XX/XXXX resulting in an overdraft fee. Also, lender is not licensed in the state of Iowa.
To start this account account is almost 10 years old.It keeps reappearing on my credit file.There are 4 XXXX XXXX in my family .Have asked for this account to be removed from my credit file as it is not mine.I have never had a XXXX account..I am currently buying a house.This needs to be removed from my report Or i will have no other choice but to seek legal recourse from damages that i have received.
I was at the Wells and Fargo Bank on XXXX XXXX XXXX XXXX in XXXX, Virginia XXXX on XXXX XXXX. I went in to withdraw {$10000.00} in a cashier 's check out of my joint account. The teller told me she did not feel comfortable releasing the funds to me. But she did not give me a reason. She threatened to call the police and have me escorted out. I have all of this on my video, because I was surprised that this was happening.She called the joint account holder later and was told by the joint account holder not to release the funds to me. I feel this was discrimination because she had no reason to feel uncomfortable and she did not follow wells and fargo withdrawal procedures. She was not supposed to call the joint owner when we both had equal rights to the account especially when the funds were available. I contacted the Federal Reserve and put in a complaint but they said Wells and Fargo is not a reserve bank. The people involved at this branch were a teller named XXXX, bank manager named XXXX XXXX, and Ms. XXXX I believe.
T his company, NPG, has repeat edly called and harassed me and my elderly mother. They have called my husband. I called them twice and when I disputed the false claim, they hung up on me. They emailed me a docusign file and asked me for my credit card and banking information.
I have asked them to not call me before XXXX. They also call me during the weekend. I have received several calls for the past week during work hours. It is disruptive to my place of work.
Disputed errors on y credit file and the results came back as verified with XXXX  the following address XXXX XXXX XXXX XXXX. XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX. XXXX, Ga XXXX and the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX {$2500.00} XXXX
Debt was removed from my credit report after not being able to validate the debt as per my right to FCRA. Then re added back on there which is a direct violation of my FCRA. 

A consumer reporting agency shall provide to a consumer in writing, no later than 5 business days after the date of the reinsertion : ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information, and ; ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.

I received no such notification and this is a serious violation of the FCRA. I am requesting that you furnish this information within 15 days. If you do not provide the information requested, you must delete ( this/these ) account ( s ) as required by the FCRA. Please send me a copy of my updated credit report after you have completed this request. 
I request that these debts are removed immediately as they do not belong to me. 

I contacted the credit bureau and there was no validation provided XXXX from Equifax, XXXX XXXX, 2017 at XXXX provide any validation about the debt that is allegedly owed. I am extremely upset that my rights were violated and will attempt to take legal action of necessary. 
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Santander Consumer USA does not provide refinancing for existing customers for car loans. They do however refinance for new customers. The existing customers have to be tricked to go to a dealership to refinance, but the dealership stated it is not possible with the prime loan.
Representative claimed I would be homeless on the street because of them reporting this supposed debt on my credit reports. I quote " you need to pay us {$320.00} or we will report this on your rental history and you wo n't be able to get an apartment, do you want to live on the street? You need to pay right now ''. 

They have not VALIDATED this claimed debt they are attempting to collect from me pursuant to FDCPA. Company claims to have purchased the debt but does n't offer any proof the purchased debt was VALID and MINE. No written agreement, no signature, no verification at all. No proof if ID card etc. 
Please remove this trade line from all credit bureau reports you have reported to as it is hindering my ability to obtain credit. 

Thank you.
This company has not answered my question in the least bit. I have supplied all the necessary information on the companies that have placed inquires on my report, they have refused, neglected to supply me with the documentation from these companies that they claim to have submitted to them ( XXXX, XXXX, Equifax ) to verified that their claims are true. Each time I request this information they keep brushing me off and just update these false claims on my report. I want proof of applications submitted by me to these companies for credit that way if there is any such documents then my information has been compromised. If they can not product documents to this effect not only do they need to remove their inquires but I need to file further claims because of the breach of my information. Also each time I file a complaint not only do not furnish proof of verification they just update the status of the item I am disputing.
XXXX 2016 of this year, I Became unemployed lost my job, me and my wife immediately notified our lender freedom mortgage, about the situation. We submit the proper paperwork over 5 times now. applying for so called programs that they offer. the first time there underwritter lost all of our information. We have been going through this process since XXXX of 2016 and every 30 days they need us to submit the same paperwork or make a payment by a certain date. We are making payments and they are not applying the amounts that we send in to our loan, so that they can continue to collect interest on our loan