WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX I noticed charges on my credit card that didn't make sense to me. I researched online the abbreviations that I didn't understand. There were five companies listed : XXXX {$39.00} in XXXX, XXXX {$39.00} in XXXX, XXXX {$39.00} in XXXX, XXXX {$39.00} in XXXX, and XXXX {$54.00} in XXXX. In researching, I found these were online dating services. I live in XXXX and have no idea how these charges got on my Bank of America XXXX. 

I called the Customer Service number on my statement who transferred me to their Fraud Department. Unfortunately, I did not write down the name of who I spoke with but she immediately cancelled my credit card and issued me a new one with a different account number. This lady said all charges would be removed. She also said that in looking back previous statements the charges were also listed on other months ' statements. I was surprised to learn of this. Typically, my credit card charges range anywhere from {$2000.00} to {$5000.00} monthly, I do not look at every little charge and did not notice it until the XX/XX/XXXX - XX/XX/XXXX statement. I was informed that Bank of America 's Fraud Department would investigate how far back I had incorrectly been charged and then reimburse me for them. The lady assured me I would not be responsible for these fraudulent charges. 

On XX/XX/XXXX I received a letter in the mail stating that after additional review, it had been determined my fraud claim was not approved because payments were made and statements were mailed to my address since XX/XX/XXXX. Again, I was not aware of these fraudulent charges until XX/XX/XXXX. 

I have tried talking to Bank of America and they are standing firm in their decision. I did not make these charges and I do not agree with paying for them. I am paying the amount of my credit card that I know are my charges. I am not paying for the {$1500.00} in accumulated fraudulent charges. I have had this credit card for 30 years and have never had an issue before. After paying the amount I owe, I am cancelling the credit card - NOT paying the {$1500.00} or the {$41.00} in finance charges.
TransUnion credit reporting bureau has not removed " XXXX XXXX '' account from my credit report after I provided evidence to TransUnion that " XXXX XXXX '' can not provide proof of contract between I and " XXXX XXXX  '' for the collections account in question.
Again CapitalOne has failed in properly handling a dispute ( had issues with them in the past and they seem simply ill-equipped to deal with disputes ). We filed a dispute and then I provided all the information they asked, then we even attempted to contact them to ensure they received the information and no response. Then the other day got a notice that they never received the information so they closed the case ... Why do consumers have to be subjected to such incompetence when these companies make a fortune on the backs of consumers and businesses!?!?!?! 

I 'm attaching a copy of the information provided via a response to their email which I know they have received information at that address in the past and then also attaching our communication asking if they received the information and can see there was no response and their previous message was that at that one point they had all the information needed ... Note that on the email there are various attachments as i was very thorough in providing every bit of information that I have.
I had health insurance through a company called XXXX XXXX in XXXX. The company went bankrupt and the state took over reimbursements. I have sent Transworld Systems a letter from the Department of Financial Services and they STILL keep sending me letters. 

The Bill was from XXXX XXXX XXXX for lab work in the amount of {$33000.00}. 

The date was XX/XX/15
CRA is in direct violation of FCRA, FDCPA and Metro 2 Compliance.
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XX/XX/XXXX {$1900.00} XXXX  XXXX XXXX XX/XX/XXXX {$3200.00} XXXX XXXX XXXX XX/XX/XXXX {$8500.00} XXXX   XXXX  XX/XX/XXXX {$6300.00}
Citi Bank is taking the stance to discriminate unjustly 2nd amendment supporters and businesses by imposing policy that should not pertain to them. 
I urge you to discourage Citi Bank and XXXX XXXX XXXXXXXX to stop these practices. 
Thank you
all are being reported on experian, XXXX  and XXXX. They did not have my permission to run my credit and i have been fighting to show proof in writing and no one has provided me this informatiom. 

XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX
IQ Data International never provided any letters, never notified me of any debt at all. 
First notice is a collection charge off on my credit report : XX/XX/2019 accountnumber : XXXX I mailed a certified mail with return receipt request for debt validation letter to their Washington State Department of Revenue License XXXX # XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX Entity name : XXXX XXXX XXXX Business name : I.Q. DATA INTERNATIONAL, INC. 

Despite XXXX XXXX receiving and signing for request for validation of debt letter on XXXX at the above address they have not sent validation of debt or any correspondence at all to me. 

They are attempting to use the address below on the credit report charge off which is not their legal address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX However I have contacted them at their legal Washington State Department of Revenue License address for a small claims court case suing them for attempt to collect an invalid debt. I have received no response for debt validation or small claims court law suit. 

This is a FDCPA Violation because the debt collector refused to validate debt despite signature return certified mail validation request sent to their legal address [ 15 USC 1692g ] 809 ( b ) Another FDCPA Violation occured when the collections agency has ignored request to verify the debt yet has continue to collect by adding derogatory item to credit report E [ 15 USC 1692g ] 809 ( b ) I have not received any overdue notices in the mail from anyone which I can prove by USPS informed delivery. My USPS informed delivery subscription also proves that I have received no mail from XXXX XXXX XXXX or I.Q. DATA INTERNATIONAL, INC. all letters are scanned by image processing before delivery proving this company never sent any mail at all to my legal address.
I was told if I returned a XXXX water dispenser it would make my bill XXXX and take it off the credit report. After I did so the bill increased from XXXX to XXXX due to fees even though I never received a bill for these fees. After XXXX calls they told me to email the receipt and threatened me stating, " If you have an attitude I am going to smack you. '' a threat of physical harm. I was not allowed to talk to a supervisor and the email was not given. I had a XXXX XXXX. The amount credited was then XXXX, then XXXX and finally I owed XXXX with no explanation. XXXX staff admitted the threat was on a recording as was the original promise.
I have contacted XXXX XXXX XXXX XXXX  after they sent me a letter and placed a hardship loan write-off from XXXX card, buying an already charged off loan in my name, due to XXXX card failed to let the XXXX XXXX XXXX XXXX know that they had already wrote the account off under a government program. I got sick, XXXX treatments did not work and I am on XXXX  XXXX. My family had helped with assisting bills, however once the XXXX treatments did not work, they stopped assisting. I sent XXXX card a copy of my full XXXX  hearing, signed court decision and a letter explaining my medical condition that led to my hardship. 

XXXX card was very understanding and told me they were writing the loan off under hard ship. 

In my entire life, I had never been late, paid ahead of time all of my bills, even paid more than the amount due. Even while being sick. 

I now received a letter that XXXX XXXX XXXX XXXX bought a closed account under my name with XXXX card after XXXX XXXX refused to provide all documents. I did receive from XXXX XXXX   XXXX XXXX what they received from XXXX card when purchasing an already closed account due to hardship, however it did not include the private court XXXX  paperwork that XXXX card had in my file. 

I in turn called the collection agency XXXX XXXX XXXX XXXX on quite a few occasions. They also admitted to they do not buy hardship loans and agreed to close the file and terminate paperwork. 

I am now asking the collection company to please remove the collection account from all three credit bureaus. 
As a XXXX fighter, I deserve to have a bit of human decency and only asking that the collection be removed and all information of an account they bought through XXXX card that was already closed. Per advised by attorney, XXXX bank sold a bad loan, hardship loan that the bank had already closed and wrote off under government program. Therefore, I should not be penalized by XXXX XXXX XXXX XXXX to due the issue of XXXX selling a closed, wrote-off hardship consumer loan in my name.
American Express Centurion Bank has obtained a judgment against me in case XXXX on XXXX/XXXX/2010 in XXXX XXXX, CA XXXX Court. I do not have details as to facts they claim since I was never served and did not have such account. After I advised them that I was never served and I was victim of Identity Theft, they advised me that entire case is promptly going to be dismissed. However, case is continuing to show in my credit reports and in the records of the Court.
I sent a letter to Midland Funding LLC requesting that they validate Not verify a debt that they are reporting to the three credit bureaus. I specifically asked for a signed agreement and other supporting documentation. They provided me with no documentation to prove that I am obligated to pay them anything. They have reported delinquent information to the credit bureaus that I am asking to be deleted
There is a federal tax lien on my credit report that needs to be removed. The lien has been paid and released as you will see in the documentation provided. I have contacted the credit bureau to have this removed and they will not. I have asked for the reporting person or entity that put this on my record and they will not provide me with anything other that the XXXX County Recorder of Deeds office. I have contacted this office to see if they would remove it from my credit report and they informed me that they did not report it to any of the credit bureaus nor do they ever. They only file it as a public record. When I informed the credit bureau of this they insist that they communicate electronically with the reporting entity and they are waiting for a response. I then asked " well if you communicate electronically with the reporting entity, who is the person on the other end that will answer you? '' They said that it was an employee with the XXXX County court system and that they would respond. I asked once again who that was and they refused to provide me with a name. I then did some more investigating and actually talked with the XXXX County Commissioner ( XXXX XXXX phone number XXXX ) and he did some research for me. He states that the Court case number and the docket number provided to me by the credit bureau belongs to XXXX County and that the Federal tax lien does not show up in their records for me. He further stated that neither him nor any department in the XXXX Count Court system reports anything to any of the credit bureaus. I also spoke with the IRS who had the court place the lien on me and they told me that they were not the ones who reported to the credit bureau. Like the court system they say that they never report tax liens to the credit bureaus. I can not get any information from the credit bureaus so that I can contact someone to try and get this removed. With everything else that is on my credit report I have contact information of someone that I can contact to try and resolve the situation and resolve the matter. I do not have that same opportunity with my tax lien as the information being given to me by the credit bureau is false.
I never opened this accounts and I never authorized it fraud XXXX XXXX Reported : XXXX XXXX, XXXX + {$470.00} Closed XXXX XXXX Reported : XX/XX/XXXX + {$0.00} Closed XXXX XXXX XXXX Reported : XX/XX/XXXX + {$0.00} Closed XXXX XXXX   Reported : XX/XX/XXXX + {$510.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$490.00} Needs Attention XXXX XXXX Reported : XXXX XXXX, XXXX + {$240.00} Needs Attention
I had a mortgage with XXXX when I bought my house in XXXX in XXXX my husband went XXXX XXXX XXXX a couple years later the loan was sold to XXXX XXXX XXXX in XXXX we got orders to XXXX to XXXX at that time I had called XXXX to start a deed in lieu we had to leave in XXXX from XXXX to XXXX we lived in XXXX I called XXXX everyday to try and get this deed in lieu done it always came back that they never got the fax or it was lost this went on until XXXX when we went to see a lawyer he called XXXX then things started to get going they got right back to us that day we had to pay off a sewer lien we got that done XXXX put a lock box on the house they had an appraisal done then I get a call the loan is sold to Green Tree Servicing I called them as soon as the loan was transferred to them I was told by XXXX that the deed in lieu papers would be sent to green tree that was not true I had to r refax the paper work again I did that then I was told by green tree they did not get it I refaxed it again now green tree will not even work with us because XXXX has a lock box on the house so green tree can not get into the house they said they can not do a deed in lieu I called XXXX to find out how to tell the people at green tree how to get into the XXXX as it stands right now XXXX or Green tree will not help us. 
We have not been in the house since XXXX we can not get any help from either company and just to add one more thing green tree said the house should have been listed for sale in order to do a deed in lieu when I asked them why they said that I was told that is how XXXX works the deed in lieu process I told green tree that XXXX is the one I was working the deed in lieu with so how could it be different rules they had no answer. we are a military family that had orders to XXXX in XXXX we bought the house in XXXX before my husband went back in the military as XXXX XXXX in XXXX. We need help I ca n't get a straight answer from XXXX or green tree I do have all paper work that was sent to XXXX and green tree I have all names of the people from XXXX and green tree that we have worked with we are now living in XXXX we moved her in XXXX XXXX we will never be able to go back to XXXX because of the military.
The account is a business account for a franchise fast food restaurant. Incoming credits are not being processed before outgoing debits are processed resulting in NSF charges. We are under the impression that checks are supposed to be processed from the least amount to the highest and that is not the order in which checks are processed. Additionally, if multiple checks are received at the same time or day and the total amount of those checks is over the balance amount in the account, the bank rejects all the checks instead of processing them up to the balance amount. This results in multiple NSFs charges from our bank. This is a huge problem for us every pay period ( we pay bi-weekly ). Employees checks  consistently get rejected by the bank because not all of the checks submitted that day can be processed causing multiple NSF charges from our band as well as from our employees bank.
Ocwen Loan Servicing LLC, has committed violations under Dodd Frank and re-filed a mortgage that was not certified and and also has created an assignment on my home. As per the Trust, loan is a defective Mortgage
On  XXXX   XXXX ,  2017  I submitted a domestic wire transfer request to transfer {$10000.00} from my brokerage account at  XXXX   XXXX  to  XXXX   XXXX   XXXX  's account at Bank of America. I inadvertently entered the wrong receiving account number for  XXXX   XXXX   XXXX  's account, i.e. I omitted  XXXX  digit. On  XXXX   XXXX ,2017, the money was returned by Bank of America, minus a {$45.00} fee.  <P/> Since I had no contract or agreement with Bank of America to pay any fees, I do not feel Bank of America has any right to take a fee from me. Of note, Bank of America 's normal fee for an incoming domestic wire transfer is {$15.00}, which makes their taking a {$45.00} fee from me, and I am not the receiving party, even more unreasonable. As the sending party, I have agreements and obligation only with my bank,  XXXX , which does not charge me a fee.  <P/> Therefore I am asking that the {$45.00} fee taken by Bank of America be returned.
XXXX at XXXX XXXX XXXX on loan # XXXX chase # XXXX will not help. My wife and I have been dealing with chase bank for over XXXX weeks on a simply information request. chase issued a XXXX misc to the irs for XXXX for my wife and her ex husband as extra income as part of short sell on mortgage they had. The IRS adjusted both my wife and her ex husband tax returns to for XXXX each. there was only XXXX XXXX check. XXXX XXXX will not address the issue.
I have disputed this charge with XXXX, I have contacted them and informed them, I never had, any contract with them, nor phone services, that I never authorized my name or my social. They call 3-4 times a day, I am an XXXX Veteran on a fixed income, XXXX XXXX XXXX XXXX, I have never ever, signed, anything. This is affecting my credit, and causing me stress, I had a security freeze on my credit report due to this as well and a lock to prevent anyone getting things in my name I unfroze my credit report a week ago., and as you can see in uploaded documents they added and update to my XXXX when I unlocked on the XX/XX/XXXX and XX/XX/XXXX, I am asking THEM TO REMOVE AND DELETE THIS FROM MY CREDIT FILE, AND NOTIFY CREDIT BUREAS OF THIS IMMEDIATELY
I have sent this company letters over and over again since XXXX, 2017 and they have yet to provide me with anything with my signature. 
These are the certified mail tracking numbers XXXX that was signed for an employee at XXXX XXXX on X/XX/2017 and XXXX that was signed for by transunion and XXXX along with numerous of other attempts to remove this invalid debt.
The called multiple time back to back today 5 time in less them 5 min. They also leaving voicemail on voicemail with not Id factors on the
Navient was private student loan lender and now I am receiving mail from NES Of Ohio stating that my student loans are in default and in debt collection. 

I contacted Navient in XX/XX/XXXX to discuss repayment options and they told me they could no longer assist me because now NES Of Ohio has information on my student loans. NES Of Ohio has sent me notices in the mail stating I should paid the amount of {$7300.00}. From XX/XX/XXXX-XX/XX/XXXX I was a XXXX XXXX XXXX XXXX XXXXXXXX in XXXX and earned a readjusted monthly living allowance of $ 250.00- {$260.00}. From XX/XX/XXXX-XX/XX/XXXX {$50.00} were deducted from my readjusted living and sent to Navient for student loan payments. 

I previously spoke to Navient in XX/XX/XXXX a month after I returned from serving in the XXXX XXXX and they told me over the phone that I could pay {$38.00} a month but I was unemployed at the time.
I am submitting this Complaint against PHH Mortgage. I sought to refinance my mortgage loan, which they declined after XXXX months of giving me the runaround. 

First, the process extended for approximately XXXX ( XXXX ) months, as they continued to lose documents and request that I send the same documents over and over again. Second, I believe that because the interest rates have risen over the last XXXX months, following the XXXX interest rate increase, PHH improperly denied my application so that the company would not have to stand by the lock in rate that had been guaranteed. 

In the meantime, I have lost the ability to refinance at the lower interest rates and have been harmed by their conduct. 

I initially applied for a refinance loan in XX/XX/XXXX. I sought to finance {$230000.00} XXXX taking {$20000.00} in cash ). They had an appraisal done in XX/XX/XXXX, which came back at {$710000.00}. 

In XX/XX/XXXX I sent back the whole packet with all the paperwork requested. Then there were constant requests for more paperwork, more tax papers, etc. and I constantly had to re-send the same papers over and over that were overlooked or lost. This continued for approximately XXXX months. Over the last few weeks, the underwriters came back with request for more paperwork and documents. 

It appears that some of the considerations and reasons indicated by the underwriters are improper. First, the underwriter notes that my income is XXXX XXXX. Under XXXX XXXX and XXXX XXXX, creditors are supposed to consider XXXX XXXX income and not discount it. 

Second, although Regulation XXXX states that creditors should consider XXXX years of employment, PHH seemed to require that I worked at the same place for XXXX years. That is not appropriate. 

I have been harmed by the delays and the eventual wrongful denial by PHH and seek to be made whole.
I have wrote letters, faxed, and spoke with representatives concerning my credit report. There are frivolous inquiries on my credit report, and accounts that are closed that should no longer be appearing on my credit. There are  2 judgeme nts which are paid in full that is still showing on my report. There is also a bankruptcy that should not be on my credit report. This is all with   XXXX ,  transunion, and  XXXX !!!!! I keep getting the run around and Im tired .... there is like a thousand address/ names etc that I want updated also. Please HELP!!!
XXXX was transferred into a SunTrust Account in XXXX XXXX, XXXX. on XX/XX/XXXX. When we realized this wire transfer had been fraudulant we immediately contacted the Sun Trust Fraud Department. They in turn put a fraud alert on the account. A recall was put in for the transfer and at XXXX on the XXXX XXXX XXXX the assistant mamager at that branch assured us all the money was still in account XXXX and a freeze had been put on the account. Someone later that morning allowed someone to walk in and withdraw {$4.00}, XXXX. SunTrust is refusing to refund this amount to us and will not turn over subpoenaed security tapes of the withdrawal to the XXXX XXXX police department citing client privacy rights. After meeting with XXXX XXXX, branch manager at XXXX XXXX XXXX XXXX in XXXX XXXX she confirmed proper protocol was not followed in checking ID and confirming business of XXXX XXXX XXXX with XXXX. She agreed they owed us this money. When we were contacted by XXXX XXXX from the Sun Trust Fraud Department. He said we should be happy to get anything back and to get a lawyer. We feel due diligence was not done when an account was opened a wire money of XXXX, XXXX was put in a withdrawal made and in less than 24 hours the account was closed. Something was not right here at Sun Trust and we are out the money.