WillisBack/dataset-financial-user-claim huggingface dataset:
On my XXXX statement I noticed XXXX incorrect charges that were not made by myself or my wife. XXXX was to XXXX on XXXX for {$540.00}. the other was to XXXX on XXXX for {$3200.00}. I contacted Chase to dispute the charges and close the account to avoid further charges. I then contacted XXXX and they stated that the charge was deemed fraudulent and reversed. When I contacted XXXX the gentleman took my info and said I would be contacted within a few days ... No reply ... In the interim I received a letter from Chase, ( see attach ), stating that they had verified the purchase by XXXX, and the disputed amount was to remain on my account. I sent a letter to Chase stating the incorrect bal on my account after reviewing my next statement.. So far no reply.
I am  XXXX  and only sporadically employed.  Navient refuses t o give me a deferment, in spite of my inability to pay.   I am a   XXXX   XXXX   XXXX   recipient with very limited   XXXX   and not many job options outside of teaching are open to me.   I have notifi ed Navient that my cur rent adjunct teaching contracts for   XXXX   XXXX   through   XXXX   XXXX   XXXX     will provide me a gross annual income of {$17000.00}. I do not anticipate employment for the months of  XXXX ,  XXXX  and   XXXX   as there is no summer school, however, I will commence looking for full time work immediately upon the close of the spring semester at the end of  XXXX . I can not anticipate what work, if any, I will have after   XXXX   XXXX   XXXX    , so at this time, I anticipate my income for the year to be {$17000.00} or {$1400.00} per month.   In spite of thi s, Navient will not  grant me a deferment -- just before the time of year when I do not expect to be making any income at all.   They have proven very difficult to deal with, with different reps claiming that they need different documents at different times, claiming not to have received documents, or waiting unconscionably to respond ... usually insisting that other, new, documentation is needed.
In XXXX, I filed a complaint against Resurgence Capital on debt that was not validated. The provided the attached response. The problem I have now is that the date of first delinquency on my credit report is not correct. It is listed as XX/XX/XXXX when it should be listed as XX/XX/XXXX. You can see the date the last payment was received was XX/XX/XXXX per the attachment supplied by Resurgence Capital in my earlier complaint. Misreporting the date of first delinquency or " re-aging '' is an FCRA violation.
Chase Mortgage bought my 5 year old loan, did not pay my homeowners insurance, sent a letter 2 days before it is expiring say they will buy a more expensive one for me. I have not changed my home owners insurance, they have an escrow account, and they should pay for it or close the escrow account and let me pay for it.
In XX/XX/XXXX I opened a HELOC with Citizens Bank NA. As I went through the renovation process on my house, I ended up refinancing this HELOC several times, all with great dealings and interactions with Citizens Bank.I was on autopay and never ( even to date XX/XX/XXXX had a late payment on HELOC account. 

One day in XX/XX/XXXX, I received a letter in the mail stating that my account was 90 days past due! Highly confused, I called Citizens Goldmember Services, and stated that this was impossible, as I was on autopay. After some digging, I learned that during my original closing ( XX/XX/XXXX ), They had opened a second line of credit for me that I was unaware of. I assumed one of the papers slipped into the closing documents was an authorization form to open this, but it was never brought to my attention, and I have yet to see a copy of this form. 

After some further digging we discovered that one of my accounts has become overdrafted, and pulled from this second credit line. With no autopay in place, it was not payed back automatically. Further I was never contacted either by phone, nor by mail about this overdraft, until the 90 day late notice. I concluded this call by paying the late fees and balance, and setting up an autopay on this credit line, but I felt sick to my stomach as I had never in my life been 90 days late on any credit account. This has obviously had a huge impact on my XXXX. 

As I began preparing to purchase an investment property last fall ( XX/XX/XXXX ), I decided to call Citizens Bank. After several phone calls and several letters they have refused to acknowledge their poor business practices in the closing of the original HELOC, and they have also refused to notate or remove the derogatory 90 day indicator on my credit report. I want the CFPB to be away of this case, and would be happy to answer any questions or clarify any information.
I am the employer and the bank continues to make calls to employee at place of work, directly to Management 's phone line.
Experian is continually reporting the account XXXX XXXX XXXX XXXX XXXX on my credit report as an accurate verified account. This is a fraudulent account, which Experian has received able legal documented documentation that this is a Fraudulent account and has relied on XXXX XXXX XXXX XXXX XXXX to verify its accuracy. Experian is also aware and has been put on formal notice in writing as well that legally when requested a creditor must disclose and provide a copy of application document with signature used to open the disputed account, or they must remove debt from affected party 's name and information, also their credit report. None of which has occurred. It's the law under the Fair Credit Reporting Act, and I'm asking that Experian at least adhere to the law. PLEASE HELP!
This debt was previous disputed and removed by another collection company " XXXX XXXX '' because the original lender could not prove that I legally owed this debt, so after I disputed and resolve this debt. It was sold to another company " XXXX XXXX XXXX '' and I ask then to do the same. Experian did not do their due diligence in their investigation, if they did, then Experian would have recognize that I disputed this debt before and it was removed cause the original creditor could not verify this debt and months later it was sold to another collection agency. I requested the collection agency 'XXXX XXXXXXXX XXXX '' to provide me with several documentation : 1. What do I owe this money for? 
2. Explain and show me how they calculated what they say I owe?

3. Provide me with copies of any papers that show I agreed to pay what they say I owe?

4. Provide me with any judgement, if applicable?

5. Identify the original creditor?

6. Prove that statue of limitations has not expired on this account?

Experian has said they verified this information. I believe they never contacted the original creditor and they never provide me with a letter or letters from the original creditor.

I attached all the necessary documents as proof, to further prove that Experian did not do their due diligence in verifying if this information is correct.
It is unbelievable that XXXX waited so many days to acknowledge and make consumers aware that their security had been breached and the information of millions of people, info they have no control over nor say in most cases without paying them, was stolen. Lest anyone be confused, it took them a considerable amoutn of time to even realize their security had been breached. XXXX XXXX lack of a meaningful initial response, unpreparedness for dealing with the problem and having meaningful solutions with a week to prepare before letting people know, and a horrible website that was confusing, lacking credible and usable information, and had an ID theft checker that sent everyone to another confusing page that said you had to wait to sign up, whether or not you used a real name or random six numbers. 

This is completely unfathomable, and as a corporation and " individual '', as recognized by the courts, publicly and socially irresponsible, and put us in danger of damages, both financially and physically, that could result from the release of the stolen information, the delayed public response, and incomplete measures and solutions XXXX offered consumers to deal with the breach. 

Now I, and my fellow Americans, have another headache -- or possibly numerous if the information is used to file a false tax return, charge items on credit cards or drain bank accounts -- to deal with.
I secured a mortgage in XXXX through a XXXX XXXX affiliate, XXXX XXXX XXXX XXXX, and I was paying them through their own servicing company. XXXX XXXX, in entirety, went bankrupt in XXXX. I stopped making mortgage payments in XXXX/XXXX/XXXX, when I could n't find out who held my title, deed and mortgage lien.In XXXX, XXXX XXXX XXXX XXXX, as trustee for XXXX XXXX XXXX, initiated a foreclosure suit. However, it was XXXX XXXX XXXX that claimed to be an injured party on all thee credit bureaus starting in XXXX. I have never signed any contract or owe any money to XXXX XXXX XXXX. In XXXX XXXX, XXXX removed XXXX XXXX XXXX from my credit report. XXXX and Experian refused to remove XXXX XXXX XXXX from my credit reports with them in XXXX XXXX. As my credit scores and job opportunities has been negatively affected by XXXX XXXX XXXX under fraudulent circumstances. I want them removed from all my Credit Reports immediately. XXXX XXXX XXXX is a servicing and not a mortgage company. They are not an injured party to my foreclosure case that has languished 55 months without a court date being set by any plaintiff, not even XXXX XXXX XXXX. Please help me resolve this matter as soon as possible
Suddenly, got a call from XXXX ( in XXXX ) that we had missed XXXX loan payments ( XXXX & XXXX ), but our loan had been sold in XXXX last year to LenderLive, not XXXX When we called XXXX, we were told that " for some reason '' a welcome letter had not been sent, so we asked for it. Also, to-date, XXXX is unresponsive, about why they did n't pre-tell us that this change was to occur ( and who they sold it to, so we could make the necessary auto-pay changes )
On XX/XX/2017 I canceled my XXXX account due to multiple inaccurate charges reappearing on my statement. I have contacted their company several times to correct the bill for overage charges dating back to XX/XX/2017.The final balance was {$500.00}. I have spoken with a variety of XXXX representatives, escalation department members, as well as supervisors within the XXXX customer care team. Notations were placed on my account about the errors. I also received what they called " interaction IDs '' that prove my calls, complaints, and " solutions '' in regards to my account, they are as followed : XXXX, XXXX, and XXXX. The account was paid, but somehow was sent into collections when it should have never been sold. XXXX had no right to sell my account!
I have reached out to TransUnion on XXXX XXXX,2017 & again on XX/XX/XXXX requesting that they remove the XXXX inquiries from XXXX. I have attached the letter from XXXX. When I ran my report today X/X/2017 XXXX  inquiries still appear. I kindly ask that they remove these promptly and send me a follow up letter as such.
Dear Whom It May Concern : I could really use your help! As a single mother, I struggled to make ends meet, I was able to send my son to XXXX XXXX University and took out student loans due to the fact we never received child support. I did not have a college fund for my son, Im proud to announce, he graduated and is now a XXXX XXXX. Our whole family was thrilled for this because the majority of us are police officers for the city of XXXX. 

Since XXXX, Ive been making monthly payments. At some point, unbeknownst to me, my loan was sold. I was unaware my payments were not going through the loan company until my tax refund was taken due to lack of payment. I was n't given any credit because of the fact my loan was sold. 

After my refund check was taken, I now had an account number added to the loan. When the government restructured the student loan process, it feel between the cracks. I immediatley contacted the lender and set up a new payment plan. They stated once I made XXXX consecutive payments, I would be in good standing with the loan company. I made the payments and still another tax refund check was taken from me. 

This year, once again, while taking my tax refund check, they resold my loan. I was still in the process of setting up a new payment plan and Im still waiting for that to go through. The new statement stated the same thing as before, if you make XXXX consecutive payments, I would be in good standings On the last line of the application it stated, after making the XXXX consecutive payments of my loan, will again, be sold to a new lender My credit rating went from a XXXX to a XXXX. I have always prided myself in having great credit and making sure I pay my bills on time while raising XXXX children without child support and working XXXX jobs, without help and any outside assistance. The original loan was set at {$16000.00}, now it has jumped to {$48000.00}. 

Im am begging for help! Im forever going to be on this hamster wheel, regarding this student loan. Due to the fact that they will always be reselling this student loan to new lenders. Im a hard working woman and truly need your help! Please consider taking on my case. 

Thank you so much for your time, XXXX XXXX
XX/XX/XXXX There is a long history of problems with TD Bank and it 's branch managers here on XXXX XXXX. XX/XX/XXXX do nothing to redress complaints and our experience with the executive branch is that they ignore written complaints, despite any evidence that they have done wrong. We 've had trouble with previous " Retail Managers '' ( TD considers their banks to be just stores, like XXXX. But our experience is that XXXX is more responsive to consumers and attempts to rectify problems, not inflame them. Unlike TD Bank. ) Most recently, XXXX XXXX, Retail Manager of TD Bank on XXXX XXXX, denied culpability for wrongful and excessive overdraft fees, stemming from events on or about XX/XX/XXXX, which of course then created a cascade of shortfalls which accrued to the wrongful benefit of TD in permitting them to collect more fees than they were entitled to. Despite conflicting information from the branch employees, and the back office " in New Jersey '' about why the fees were charged, then changed, apparently both in violation of bank practices and policies, TD also does not provide transparency about account charges regarding overdraft fees and there was no way anyone checking the online banking version of our account could see the same information that the TD back office and branch employees saw, thereby deliberately preventing account holders from seeing the service charges and activity that TD saw. <P/>Further, TD violated their agreement with account holders to provide fee free checking by imposing a {$2.00} paper statement fee, which XXXX denied was a service account fee in violation of the contract with account holders, but which is exactly that under the cheap masquerade of a different fee label.
Your firm is in violation of the federal authority on health information privacy arises from the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ), Standards for Privacy of Individually Identifiable Health Information ( 45 CFR Parts 160 and 164 ). California has several laws on health information privacy, including the Confidentiality of Medical Records Act ( Civil Code 56 et seq. ), the Patient Access to Health Records Act ( Health & Safety Code 123110 et seq. ), the Insurance Information and Privacy Protection Act ( Insurance Code 791 et seq. ), and the Information Practices Act ( Civil Code 1798 et seq. ). Citations for specific rights enumerated in this document are provided below. All the referenced laws may be found on the Privacy Laws page of the California Department of Justice 's Web site. Please provide copies of your security policies, testing and audits that prove your data privacy is compliant from a XXXX party.
The following accounts were a result of fraud. I am a victim of identity theft and I did not make this charge. Any accounts mentioned are not my responsibility..I am requesting that any finance and other charges related to the fraudulent account be removed from my credit profile asap XXXX XXXX   XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, ( Original Creditor : XXXX XXXX   XXXX  ) XXXX, XXXX/XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX
In my previous dispute with XXXX ( XXXX XXXX credit card account ). I mentioned that I was an authorized user on XXXX XXXX 's account. This account entry was removed from my XXXX and Experian reports without either consent and had not been updated on XXXX since XX/XX/2018. In the letter dated, XX/XX/2018, from XXXX, they specifically stated that they would submit a request to the credit reporting agencies, Experian, XXXX and XXXX to request this account appear on my credit profile. It has been well over 60 days and my reports are not updated. This account has not been added to my Experian nor XXXX report. This is unacceptable and is poor customer service on behalf of this company. Being that XXXX XXXX XXXX see attached letter XXXX, with the XXXX XXXX XXXX, provided this acknowledgment and is yet to fulfill is very questionable about the practices of this company. This is deceit to the fullest as they have not reported to the bureaus for them to update my profiles accordingly and I am therefore suffering pecuniary consequences. 

Update my credit reports accordingly and immediately as I have been delayed well over 60 days. I would also like a copy of the request this company is sending to the bureaus as proof of receipt that they are indeed advising the bureaus to update, but the bureaus are blatantly not reporting.
On XX/XX/XXXX My husband, went to a Wells Fargo 24 hr ATM. He accidentally hit fast cash {$400.00}. It asked if he needed a receipt, realizing he hit the wrong amount he canceled the transaction, got his bank card out and then he proceeding to conduct his transaction for the right amount of {$300.00}. {$300.00} was dispensed and my husband left that ATM. A few days later I noticed a charge for {$400.00} and {$300.00} on my bank ( XXXX ) I proceeded to follow an ATM dispute. XXXX dispersed {$400.00} until they had a finding. Well, Wells Fargo came back saying that no error occurred, that these transactions cleared on two separate days. XXXX then took back that temporary deposit of {$400.00} on the XX/XX/XXXX when Wells Fargo came back and said that no error occurred. I have a {$610.00} ATM withdraw limit on my card, per day. My husband did not take out the said {$400.00} and {$300.00} on XX/XX/XXXX. If he did, our card would have not allowed him too due to the {$610.00} limit withdraw on our card. However, Wells Fargo somehow cleared the transactions on two separate days? How is that possible when they were done back to back? Wells Fargo stated that they have different transactions happening in-between my husbands ATM transactions for {$400.00} ( Accidentally ) and the {$300.00}. After getting the run around between my bank ( XXXX ) and false information, we have tried desperately to rectify the situation ourselves. We went directly to Wells Fargo, and because we are not customers of them they can not help us. We then went to the Police station to file a complaint and they stated that we would need to take it to civil court. We would just like to receive our {$400.00} back that happened to " disappear '' due to a fault on Wells Fargo ATM. Also I would like to note that when Wells Fargo tried to " help '' us all they could tell us was that they their ATM numbers were " fine. '' I know an error occurred somewhere within the Wells Fargo 24 hr ATM, because my family and I are short {$400.00}. 


Attached will be the ATM dispute that showed the money was dispersed, even though we did not receive the {$400.00} because my husband canceled the order.
I purchased tickets through an ad I found on XXXX. I asked the seller to use XXXX but he insisted on XXXX. Because XXXX is backed by Wells Fargo I assumed it was safe. Also it is not clear that they do not offer fraud protection. I paid the person {$250.00} and no tickets were ever given. I have contacted XXXX as the tickets he sent me photos of were from them and also contacted my bank Wells Fargo. WF told me they would not do anything until I filed a police report. The police would not file a report and told me to file with the fbi. I have since filed a report for fraud and scam with the fbi but Wells Fargo will still not help me or back the purchase.
Unwanted calls from Nationstar Mortgage-
Call with no one on the line. from XX/XX/2017-XX/XX/2017
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
This is just one of the numbers that have no one on the line. Now Nationstar has sold to Mr Cooper and I am still getting calls.
Fall XX/XX/XXXX, exact date unknown : I received a call about the bank needing KYC ( Know Your Customer ) information. I called my business banker, XXXX XXXX, and confirmed that he had all of my information on file for the KYC process. 

XX/XX/XXXX : CitibankKYC emailed me for the KYC documents again. I personally went to the bank branch and gave the documents to XXXX XXXX. 

XX/XX/XXXX : XXXX XXXX called requesting the information again. Information was emailed to XXXX XXXX again. 

XX/XX/XXXX : CitibankKYC emailed me for the KYC documents again. I called my business banker XXXX XXXX and he asked me to email him the documents again, which I did. 

XX/XX/XXXX : I discovered my business bank account was closed and went to my local branch to have it reopened. I discovered that XXXX XXXX no longer worked there. I spoke with business banker XXXX XXXX who discovered that someone had made an error and let my account be liquidated and closed. He passed information on to me that the account would be reopened within 48 hours. 
XX/XX/XXXX, end of day : Account was still closed. 

XX/XX/XXXX : I contacted XXXX XXXX for update. He responded that account should be reopened by XX/XX/XXXX. 
XX/XX/XXXX, end of day : Account was still closed. 
XX/XX/XXXX, end of day : Account was still closed. 
XX/XX/XXXX, end of day : Account was still closed. 
XX/XX/XXXX : I did not hear from XXXX XXXX. I called him and he told me he would look into it. I requested that he call me back with an update. He did not update me. I tried reaching him but could not. 
XX/XX/XXXX, end of day : Account was still closed. 

XX/XX/XXXX : I received a message thanking me for submitting all of my KYC information ( that was submitted multiple times as listed above ). I called the main bank number and was informed that my KYC status was cleared that day ( XX/XX/XXXX ) and that it would then take another 2 weeks before my business account would be active again. Soon thereafter, XXXX XXXX called me to tell me the same thing. I asked if there was any other way to open an account or anything I could do and he said no. 
XX/XX/XXXX, end of day : Account was still closed. 

As of now, I have not been able to receive any income into my business for 6 days, I have not been able to pay off my line of credit, which is accruing interest. And now all of my vendors are threatening to cut off their services one at a time - effectively threatening to shut down the infrastructure of my business. I will have to start paying all of those bill from personal accounts until this is rectified. I will then have to pay myself back for all of those payments and my accountant will have to work extra time ( on the clock ) to rectify all of the payments from and to personal accounts. 

And all of this is not to mention hours of lost productivity, XX/XX/XXXX and XXXX over this. 

A quick search on XXXX shows that I am not alone and Citibank made this mistake with others as well. Citibank should come up with a way to fix the problem and compensate me for my trouble.