WillisBack/dataset-financial-user-claim huggingface dataset:
I have a credit card with Bank of America. On XX/XX/2018, I identified two transactions that were fraudulent, both transacted through XXXX. Bank of America immediately removed them from my account. On XX/XX/XXXX, Bank of America sent me a letter, indicating that they have decided the one transaction ( XX/XX/2018, XXXX XXXX XXXX NJ, {$940.00} ), is NOT fraud, and put it back on my account. 

I spent at least 12 hours on the phone ( mostly on hold ) with Bank of America, and got extremely little transparency of how they made that decision. I ended up calling the vendor, who was very forthcoming and gave me the tracking info ( it  was a camera ). The tracking info shows that whoever committed the fraud has my address and had asked for it to be shipped to my address, but in talking to XXXX, the delivery was diverted to a XXXX center ( instead of my house ). It was picked up on XX/XX/XXXX, around XXXX, in my name. This is impossible -- I faxed documents to Bank of America ( fraud fax number that was provided to me on one of my long calls ) that show I was on an airplane, flying for work to XXXX, at that time. I have both the invoice for that flight and the crediting of the flight to my mileage account ( which only happens once you have physically flown on the flight ). 

There is no way I could have picked it up. We, regrettably, do not even own a camera, and I did not place this order. 

I asked Bank of America, in that fax, to please confirm receipt of the flight information, which I have not received, and could not confirm after spending another 30 min on hold. At this point I am turning to you for assistance. I appreciate the help.
Repeated incorrect accounts are added to my credit report by Experian. The information is placed on my report due to a consistent error with my SS # which causes accounts not associated with me to be added to my report. I have reported this several times and have an active dispute with Experian but the problem continues.
I WAS IN NEGIOATION WITH WELLS FARGO CONCERNING A LOAN MODFICATION AND MY HOUSE WAS SOLD. I SENT IN ALL THE PAPER WORK THEY WANTED BUT I KEPT GETTING DIFFRENT HOME PRESERVATION PEOPLE EVERYTIME IT WOULD BE A DIFFRENT ONE AND THEY KEPT SAYING THEY DIDNT HAVE THE RIGHT PAPERWORK I INLISTED COMMUNITY ACTION TO XXXX ME AND WAS TOLD THAT THEY DIDNT SEND ANY PAPER WORK WHICH WAS NOT TRUE THEN THEY SOLD THE HOME ON XXXX2016 AND I THOUGHT THE SALE WAS THE XXXX I KEPT CALLING WELLS FARGO AND NO ONE WAS RETIURNING MY CALLS WELLS FARGO IN MY CASE DID NOT GIVE ME THE PROPER HELP IN PRESERVING MY HOME I BELIVE THEY JUST WANTED IT BACK
TransUnion shows inaccurate balance for my XXXX account. Update not done every 30 days which penalized my credit report and credit score. As of XX/XX/2018, the accurate balance is {$22000.00}.
I am filing this complaint ( prepared with the help of an advocate, as I speak only  XXXX  ) because Chase Bank promised to refund me money that I lost as the result of fraudulent and unauthorized transactions on my Chase bank account, but never refunded the money. I am a very low-income,  XXXX  year-old   XXXX   XXXX  resident and single mother. Both my  XXXX  daughter and I receive   SSI  and  food stamps . At t he time of the fraud, my  XXXX  daughter received  SSI by direct  deposit into  a Chase accou nt in my name. All the money lost to fraud was from my  XXXX  daughters   SSI.       In around  XX/XX/XXXX , I received an account statement and saw transactions from early  XXXX  and onward that I did not recognize, including unauthorized debit card purchases, fraudulent check deposits, and unauthorized ATM withdrawals, along with ATM fees for the apparent unauthorized use of non-Chase ATMs. I never made any deposits into this account ; the only deposits were the   SSI  de posits made directly by the  Social Security Administration on b ehalf of my  XXXX  daughter. I made only occasional withdrawals to help me pay for my daughters care.     I disputed these transactions with Chase both by phone and in person. Chase closed my accounts, and told me that it would refund the money I had lost to the fraudulent transactions. This was in around  XXXX  and  XX/XX/XXXX . But then I did not hear anything back from Chase. When I followed up with Chase again in  XX/XX/XXXX , Chase said it was still investigating.     I have a letter dated  XX/XX/XXXX  from Chase stating that it would credit me {$930.00} for   XXXX   batch of debit card transactions that I had disput ed ( s ee attached ). I have another letter dated  XX/XX/XXXX   ( s ee attached ) from Chase stating that it would credit me another {$2400.00} for a  XXXX  batch of transactions, including the unauthorized ATM withdrawals, that I had disputed. However, to my knowledge I have never received the credi ts that Chase promised ( a  total of {$ 3300.00} ).      I also disputed   XXXX   fraudulent check deposits ( the checks bore forged signatures in my name ; see attached ) and a number of large, unauthorized ATM withdrawals that took place shortly after each of the  XXXX  fraudulent check deposits. I have letters from Chase acknowledging that the checks were fraudulent ( see attached ). As my transaction history shows, Chase also reversed the fraudulent check deposits by subtracting the amounts of the fraudulent check deposits from my account balance ( see attached ). However, to my knowledge Chase has never credited me for the unauthorized ATM withdrawals that followed each of the fraudulent check deposits.     Since Chase closed my account, I have received th e   SSI   c hecks on behalf of my  XXXX  daughter by mail, and must go to a  check casher to ca sh them.
I have been working with Academy Mortgage for alternatives options to avoid foreclosure and submitted all documents back in XXXX. On XX/XX/XXXX, I was informed that my documents were under review and nothing was pending at that moment. When I called back around XX/XX/XXXX, I was then informed that a sale date has been placed on my property which states Academy Mortgage committed dual tracking but proceeding with placing a sale date while I was in active review for a loan modification. Now they are requesting more information in which I have sent them over a week ago and when calling in they are stating the opener is still reviewing the documents. It should not take over a week for someone to review documents especially given there is an upcoming foreclosure sale date. To date, I have yet to be assigned a designated point of contact which violates HBOR laws. Academy Mortgage never reached out to me to offer any assistance and have continued to violate my rights as the days progress. Now I am worried about losing my home on XX/XX/XXXX ( 3 days away! ) because they are taking their sweet time doing nothing but causing me stress when all I am trying to do is pay my payments again and not be homeless.
I have on many occasions reached out to XXXX XXXX XXXX XXXX ( XXXX ) to resolve the mortgage issue. I had my mortgage refinanced through XXXX. I even contacted the representative from the company XXXX XXXX to assist me in the process of trying to get help for my mortgage, but he couldnt help me even though he was the person that got my loan refinanced. XXXX is very confusing. XXXX did not service my loan. They had another company by the name of Roundpoint Mortgage Service Corporation & XXXX XXXX , XXXX to be in charge of my loan. At first I was working with Roundpoint Mortgage Service and then out of nowhere XXXX XXXX was taking over my mortgage. I contacted XXXX XXXX on 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/XXXX/XXXX, and XXXX/XXXX/XXXX. I never had a chance to work directly with XXXX. Even on the first court document XXXX XXXX was the Plaintiff and I am the defendant. This stayed on until I contacted the courts and to find out why I am being tried on the same case by 2 different organizations. Now the court document has XXXX XXXX XXXX XXXX as the Plaintiff and I am the defendant. The house that I have is an underwater property. When I applied for a forbearance and loan modification with Roundpoint and XXXX XXXX I never received feedback as to if I was not accepted nor did I receive any options before foreclosure. I was constantly being given the run around without giving me an answer and the next thing you know I am receiving court notices. I was transferred from Roundpoint to XXXX XXXX without even being notified of my status with Roundpoint. This is very frustrating and the lack of communication is not professional as well. XXXX XXXX has also been in contact with the NJ Hardest Hit Fund and gave them the information and XXXX XXXX knows that I am working with them to resolve the outstanding balance.
XXXX XXXX called from NE Processing and said they were filing a case against me. Never said she was calling from a debt collector per FDCPA. She also called my husband.
I explained to advanced America do that I experienced check fraud and they told me that they have to proceed with allowing the check to bounce. At that point they decided that they would say 30 days to allow the debt to going to delinquent status and then I can make payment arrangements. At that point they continuously called my job as XXXX told them for multiple occasions to stop calling my job I am not allowed received a collection calls at work in particular this phone number. This was back in XXXX XXXX after they do calls 4 to 5 times I 'm most locations when I told Them to stop now here it is XXXX XXXX in the same office is calling my job they 're calling my cell phone they 're calling consistently trying to say that is imperative that they speak with me you 're not identify who they are what they represent however I did a reverse phone lookup and it 's a XXXX XXXX and XXXX Virginia or XXXX XXXX. The callers name is XXXX at XXXX
Fin Crt Nwt Accounts # XXXX & XXXX, are the same accounts. It was on their as XXXX separate accounts at one point. I requested them to be looked at XXXX months ago by credit bureau as duplicates. Financial credit and I have been going around for years. I pay an account. They claim it was for a different account. Give me every excuse in the book why I 'm wrong. I paid on a different account. Then they Make another account look like its a new account when it 's well over XXXX years old if not longer. XXXX women collections staff members are very unprofessional. Talk to you rude and very disrespectful. I had to stop answering my phone due to them raising my XXXX XXXX and getting angry.
On XX/XX/XXXX I was sent a check ( via priority mail ) for a " mystery shopper program ''. I have participated in a program like this before. The check was deposited at a Chase ATM On XX/XX/XXXX I was declined for a debit card charge on this account. I called chase and they notified me that my account was restricted and chase was going to be terminating the relationship between bank and myself. I was rudely spoken to and have documented the discussion. I was notified to go to a chase bank to withdraw the remaining balance. After going to the Chase bank in XXXX XXXX ( {$12.00} XXXX ) I was notified by the banker that remaining funds would not be available until Wednesday XX/XX/XXXX. On XX/XX/XXXX I went to the Chase bank in XXXX XXXX as directed ( {$17.00} uber ). I was notified by the banker that ALL funds are being withheld/frozen until 7-10 business days from XX/XX/XXXX. I then called XXXX as directed for clarification. Again, I was spoken to in a manner I never have been. After having to change my direct deposit for work, having no access to cash in my checking account, taking off work to get incorrect information from Chase ( online and in the bank ) my funds are still not available CHASE has ruined my work schedule and my families holiday. Chase has cost me {$1300.00} in travel and holiday expenses along with late payments due to not having access to my account
I am the author and owner of all communications within this complaint. I do not agree to allow this complaint to be managed outside of the portal. 

My Credit report currently has " XXXX '' reporting inaccurately, and in an incorrect manner. 

I dispute the validity of this account/Tradeline. 

1. The " Type of Account '' says NA, and should be " Revolving/Option '' 2. There is no Payment History in this account - and there should be as this account was opened for over 13 years 3. There is no Balance History in this account - and there should be as this account was opened for over 13 years 4. Because this account has no Payment History, please verify its Status/Major Delinquency date 5. Because this account has no Balance History, please verify its Status/Major Delinquency date 6. This account has no Activity Designator, and should as this account is Closed 7. FCRA states that this account must have a balance of XXXX, and this field is blank, please correct this information. There are no Terms in this account, and it was Monthly - please correct this information. 

Please validate this Tradeline, and resolve the errors - or Delete this account. 

Please provide a printed report, when resolved.
Chase did a bear interest on a XXXX check, then close my account, violating the fair reporting transaction act.
These are the only 2 places I have lived in the past 13 years.
XXXX XXXX XXXX, IL XXXXXXXX XXXX XXXX XXXX XXXX, CO XXXX.

Therefore I could not have been at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXXXXXX
Placed for Collection:
XXXX 
COLLECTION AGENCY/ATTORNEY
Balance: XXXX
Date Updated:
XXXX Original Amount:
XXXX Original Creditor:
XXXX XXXX (Rental/Leasing)
Past Due:
>XXXX<
Pay Status:
>In Collection<
 
Also I have never done business with XXXX XXXX. 
I was not in the state when this was filed.
I just hung up the phone again with experian credit reporting agency as there is numerous errors on my credit report. The customer service rep was not helpful and would not re-dispute previous information for me. My first complaint is XXXX account which I had submitted a letter directly from the bank stating that this account was never paid late. It is showing a late payment in XX/XX/XXXX. ( which is incorrect ). I submitted the letter to experian and it was corrected however yesterday XX/XX/XXXX I received an updated copy of my credit report and this account is listed with a late payment again so they re-inserted this wrong information. I asked the customer service rep to please re-dispute this for me and he told me I need to contact XXXX myself because it has been previously disputed. I contacted XXXX and was told I need to put my request in writing to have another letter for proof that this account was never paid late. I had this letter in my messages with XXXX shops but after 180 days the letters are automatically deleted. I am furious at the fact that this account is reporting as potentially negative and should go to a positive status in XX/XX/XXXX. This account was never paid late and it has been proven. Experian should have never re-inserted this wrong information again. My other complaint about experian is I wanted to request and account XXXX that is reporting as a charge off. I finally had it removed from XXXX as that too has been confirmed that this account was paid in full 2 years ago. Experian would not re-dispute it for me. My credit is extremely important to me and having an agent not assist me in my request is wrong.
My name is XXXX XXXX and I live at XXXX XXXX XXXX in XXXX, GA XXXX and my lender is Wells FArgo with a loan number of XXXX an im a victim of malicous illegal acts done by my lender. After a year of communication trying to get a more affordable mortgage to keep my home Wells Fargo has lead me on a path to ultimately take my home. It was determined after a year that they denied me ( according to XXXX in the rentry department ( XXXX is the number she gave for her id ) for a program saying that XXXX nor XXXX loans have programs for individual who has an origination date of XXXX XXXX and on. If this was the case then all that was done was a elaborate waist of time to the point where my mortgage is so far behind ( because XXXX informed me that on XXXX XXXX that file needed to be deliquent 30 days or more to submit for a modification so I had to stop making payments just to get help ) it makes is almost impossible to catch up. I was also told that my income wasnt sufficient so I was able to get more income by obtaining a roommate and was told once I did this to provide the proof with bank statements, lease, and utility bills.but even when I did this I was told I couldnt and wouldnt be look at for the program. It is my understanding that the reentry team has hard decline my file in an attempt not to allow it to be looked at again. I have had a modification in the past and it still didnt help my affordability so I applied for another XXXX and now they give me the reason because I have a XXXX loan and it was originated after XX/XX/XXXX that I dont qualify for any programs. Then on the very next day XXXX XXXX I receive a letter in the mail saying that I was turn down from assistance because there wasnt a sufficient change in circumstance but the fact is that my circumstance was never reviewed because upon asking for other documents to place in the review process I had already been turned down by this department so noone ever looked to see if my circumstance had truely changed which it did. The big issue is that if fannie mae doesnt have a program for me because of my origination date then it doesnt matter if I make XXXX times or XXXX times the payment I would never qualify and this all would have been a complete waist but this doesnt seem tru because as I stated before Ive gotten a modification before so whats really going on. So there are truely unexplained situations, indifferences, going on internally and now Wells has a foreclosure date set for XXXX XXXX. At this point I have no choice but to alert all for as a senior citizens that just wants to keep their home Im truely bei8ng done wrong.
I applied online for a refinance, and the GFE that was generated did not remain the same after I spoke with an agent the first time. On XXXX/XXXX/15, I paid the lock-in fee of {$490.00} for which the agreement said I could rescind it if I did n't yet receive countersigned documents. I rescinded the agreement on XXXX/XXXX/15 because I became distrustful of the process and agent. Plus, I had n't received any documents. I was told on XXXX/XXXX/15 that the lock-in fee of {$490.00} that I paid would be refunded to me. After sending a reminder email on XXXX/XXXX/15, I still have n't heard from any agent at Valley National Bankl
I received a letter from Asset Recovery Associates ( ARA ), Inc.,  XXXX. XXXX XXXX, XXXX XXXX, Illinois XXXX, demanding payment of {$12000.00} for a debt I supposedly owe to XXXX XXXX XXXX, Account number XXXX. The letter did not provide any more information about the alleged debt. I have never done business with XXXX XXXX XXXX and I do not know anything about this debt. I absolutely, positively do not owe this debt. The letter is signed by XXXX XXXX and is dated XXXX XXXX XXXX and shows the ARA file number to be XXXX. The letter further states that if I do not respond to the letter within 30 days, ARA will assume the debt is valid. I 've done research on ARA online and found that they have a long history of credit collection abuse. ARA 's letter is obviously a scam to try to trick an unsuspecting recipient into paying debt they do not owe. I will follow up this complaint with a letter to XXXX XXXX of ARA denying I owe the debt. The letter will be sent certified, return receipt requested via the US Postal Service on Monday, XXXX XXXX XXXX. Here is the text of the letter : XXXX XXXX XXXX XXXX XXXX Asset Recovery Associates, Inc. ARA, Inc. XXXX XXXX XXXXXXXX, XXXX XXXX, Illinois XXXX RE : ARA Account File Number XXXX Sent Certified Mail, Return Receipt Requested Attached is a copy of the letter you sent me on XXXX XXXX XXXX, wherein you allege I owe XXXX XXXX XXXX and/or ARA {$12000.00}. I DO NOT, I REPEAT, I DO NOT OWE THIS DEBT! I have never done business with XXXX XXXX XXXX. Stop attempting to collect this debt from me. Note that I have filed a complaint against you with the Consumer Financial Protection Bureau. A copy of the text of that complaint is attached. Any further attempt to collect this debt will be a violation of the Texas Fair Debt Collection Statutes. If you, or any of your assigns, make any further attempt to contact me regarding this debt, I will pursue all legal an administrative remedies I may have against ARA, Inc., Asset Recovery Associates and you personally.
Many of the credit items and inquiries are not mine. I am and have been working XXXX since 2012. I have only opened XXXX account XXXX. I tried to dispute the other items but the credit agency said they are mine. Completely incorrect.
I had seen my credit report and I see that they are multiple inquiries from XXXX and XXXX that I do not recognize and do n't believe making so I would like them removed.
I attended XXXX XXXX in 2009 and their were two loans opened without my knowledge and I want deleted off my credit report. I did n't authorize. I was thinking I only was using financial aid only, NOT STUDENT LOANS.
XXXX  and experian are reporting two negative accounts one from XXXX XXXX and the other from XXXX XXXX XXXX.one was deleted once before under the previous debt collectors and then in XX/XX/XXXX added back on to my report.The current..I 've advised the reporting agencies and the collection agencies that these lines of credit were opened using my information without my consent. I never really checked my credit consistently until about 3 years ago and that is when I discovered these two accounts along with about 3 others which when contacted were promptly removed. The new debt collectors have also re aged the accounts to make it seem on my credit report like this is a brand new debt when in fact both the items are from XX/XX/XXXX and XX/XX/XXXX and they are reporting the accounts as just defaulting in XX/XX/XXXX and XX/XX/XXXX, because of all this inconsistent information on both of these accounts. I've disputed these two accounts over a dozen times since I first discovered them back in XX/XX/XXXX. One was finally removed in XX/XX/XXXX and then purchased by XXXX XXXX and put back onto my credit report in XX/XX/XXXX. All i've ever requested was for the last two negative accounts to be removed. If you look at my credit report I have over 12 credit cards for the past 3 years and not even one has ever been late ever these two accounts don't even match the consistency of all of my current accounts. I would never take out a payday loan product to buy anything ever because it is a recipe for disaster and its classic predatory lending targeting poor and desperate people and taking advantage of their situation for financial gain and there are easier ways like establishing credit ( which I have ) and making payments on an actual credit card ( which I do ). thank you for your time
I receive multiple calls per day. I know that collection efforts must take place between XXXX and XXXX in the recipients time zone and calls can not be made on Sundays. They are violating all of these.