WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2019 I spoke with XXXX, returned a phone call that I received thinking it was from the fasfa department. The phone number associated with the call XXXX, the other number I called back that was left on my voicemail was ( XXXX ) XXXX. The associate told me that XXXX XXXX the original person that called me was on another line an he would assist me. Then he asked for my full social an I provided him with it .not thinking that it could be a scam he then asked for a debit card or banking information I hung up because it would be XXXX up front for 6 months then XXXX after that. Please help me!!
Ive tried to make several attempts with my lender State Home Mortgage to bring my account current. They have returned several payments. They have never offered me a forbearance, payment plan, nor a loss mediation option. 

All communications amongst XXXX XXXX ( Supervisor ) and I were total fabrications and a waste of time. Every time he quoted a different amount and expressed how They Do Not Except Partial Payments.Which after being told by Ms. XXXX ( account manager ) and himself so many times it became redundant. 


I XXXX a payment of {$1000.00} on XXXX XX/XX/2018 and XXXX XXXX XXXX mailed a payment for the remaining balance due. SHM denied receiving the check for two weeks, rejected my XXXX, then said they had the check however it was titled incorrectly. XXXX XXXX XXXX mailed them a check titled the same way in the amount of {$380.00} and it was cashed. While the money order I dropped off was returned to me twice as partial payment. 

Mr XXXX also violated the Privacy Act on XX/XX/2018 by releasing private non public information about my mortgage to a XXXX XXXX ( volunteers at church ) without my consent to release any information.
On XX/XX/2018 Wells Fargo and XXXX XXXX were sent letters of validation via certified mail. The return receipts show Wells Fargo 's letter was received by XX/XX/2018 and XXXX XXXX letter was received by XX/XX/2018. I heard no response from XXXX XXXX until XXXX XXXX-which you can find in the attachments they provided in my last complaint made to them. Well pass the 30 days allotted by federal law to respond to a debt validation letter. Wells Fargo sent a letter dated XX/XX/2018 but the post mark date reflects it being in the post office 's possession XX/XX/2018, per the corrected post mark date made by the postal service. In the envelope sent by Wells Fargo they were requesting additional information 29 days after receiving the VOD letter and waited almost a week to send the letter off, which also shows lack of priority and willingness to follow federal law which states the company has 30 days from the date the letter is received to postmark a response. I filed a CFPB complaint and have contacted the 3 major credit reporting agencies of this neglect and the items still remain.
I have received repeated daily phone calls from XXXX with " Nationwide Debt Management Solutions '' at XXXX. I spoke with her the first time she called and informed her I can not receive personal calls at work. She refused to tell me who the original creditor is. I told her if I was disputing the validity of any debt with them and she needed to send proof to my home address. I also provided her with my cell phone number. She continues to make repeated, frequent, and harassing calls to my workplace. She has contacted several of my co-workers and my manager. She has been numerous times to stop calling my place of business and refuses to do so. If someone answers and asks her what it is about she refuses to say, only stating that she needs to speak with me about a personal matter. If they say I am unavailable, she yells " RUDE! '' and hangs up. in addition, because one of my co-workers would not transfer the call to me, she called another co-worker asking to speak with their manager so she could discuss their lack of professionalism on the phone. The person who spoke with her simply told her I was unavailable.
Received my Chase Credit Card Monthly Bill and did not recognized {$20.00} charge that appeared from XXXX XXXX XXXX XXXX XXXX CT. The phone number is out of service. There is no web address. I reported the charge item to Chase. On XXXX, this phone number is linked to fraudulent company. If all Commercial Banks are notified that this is a fraudulent account, why are n't they required to identify this phone number on all their XXXX Card accounts, many consumers will overlook a {$20.00} charge.
I hire privacy guard to find out why I ' m having credit issues and they send me notice that a Company call ( Convergent outsourcing XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) register agent call XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX director XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never hair from them before but privacy guard send me notice they are posting derogatory information about me at will without any notice or explanation.
I am a XXXX year old XXXX recipient through the US Treasury supported XXXX XXXX Card.  In XX/XX/2017, my debit card was stolen and the fraudsters stole over {$1200.00} from my much needed balance in a matter of two days. Their spendings were clearly on vendors and items that Ive never used before. Due to my old age, I have had my son serve as my fiduciary and has a legal power of attorney to handle my affairs for years now. He called and cancelled the card through XXXX XXXX within two days of the card being lost. However, when we filed the claim with XXXX XXXX, they rejected the claim because my son, who serves as my fiduciary and legal Power of Attorney, had the card ( along with all my other cards ) in his possession last when it was lost. XXXX XXXX says in their denial letter that they are denying the claim in accordance to Federal Regulation E which governs Electronic Funds Transfers : If a consumer furnishes an access access device and grants authority to make transfers to another, such as a family member or co-worker, who exceeds authority given, the consumer is fully liable for the transfers unless the consumer has notified the financial institution that the transfers by that person is no longer authorized. 
They are insinuating that my son is the one who spent the money but he and I have filed a police report ( to exonerates him ) and a simple look at the transaction will show the bank the transaction are done with vendors that we have never used and did not require a PIN. It is shameful for a company ( XXXX XXXX ) that the Treasury department refers its recipients to will to this low to prevent a XXXX year old from accessing this much needed cash. Every other bank weve filed a claim with has always simply refunded the funds while conducting their investigation. The company that should be more friendly to their aged and helpless customers is the one who declines the claims. This money has been outstanding for nearly a year and we dont know where else to turn to. Ive called repeatedly to their fraud department at the number provided on the Denial letter and they havent returned not one phone call. Please please please help us retrieve my much needed money.
In XXXX XX/XX/2013, XXXX, a no-contract gym in XXXX, NM, used my XXXX year old son 's signature to forge an EFT authorization on my checking account, of which I am the sole owner/signatory. XXXX XXXX lifted the account/routing number from a paper check that I wrote to them to cover one month 's membership fees for my son. This check clearly listed only myself as the the account holder, not my son. My son was under the impression that he was signing up for a membership, nothing else, and simply signed his name, " here, here, and here '', as directed by the gym 's employee, while no parent/legal guardian was present. He left with the understanding that he was good to use the gym for XXXX month only, since that was what my check covered, and only ended up using the gym for that XXXX month so as not to owe another month 's membership fee. 
Subsequent to that membership application, XXXX XXXX made XXXX unauthorized monthly EFTs on my checking account, without ever seeking proper authorization from me, or providing me a copy of the authorization they were using with my son 's signature. In XXXX XX/XX/XXXX, I discovered the unauthorized EFTs while stopping another authorized EFT for my son 's college fund, and informed XXXX XXXX to cease and desist the unauthorized transfers and return the stolen funds forthwith. They stopped the EFTs, but refused to refund the unauthorized transfers. 
I submitted a claim with my bank for restitution of the unauthorized EFTs, but my claim was denied because the gym 's bank, US Bank, will not return the transfers without the permission of XXXX, the forger of the EFT authorization. At no point during these fraudulent EFTs, did either my bank, XXXX XXXX XXXX XXXX, or the gym 's bank, US Bank, verify that the EFT authorization contained the name or signature matching the checking account holder, namely myself. I should also mention that my son has a different last name than I do, which should 've made the bogus EFT authorization painfully obvious. 
I am currently in the process of submitting a complaint with the NM Attorney General for XXXX, but am still confounded as to how this bogus EFT authorization flew by XXXX banks for nearly 2 years without question. 
I have since learned that shady businesses, such as no-contract gyms, PREFER or REQUIRE payment via checking account EFTs since they KNOW the banks wo n't verify authorization, probably because the EFT Act holds them blameless for EFT fraud. Although I realize the originator of the forged EFT authorization is responsible for this financial crime, it would not be possible without the blind eyes the financial institutions employ during these transactions. Shady businesses prefer ACH EFTs on checking accounts rather than credit card transactions because they know it 's very difficult for consumers to get the banks to restore funds transferred without proper authorization. There needs to be some changes to the EFT Act to levy penalties on banks that transfer money out of accounts without proper authorization, instead of only requiring the account/routing information of a viable account, and worrying about authorization after the fact, or when they get caught.
A collection agency called XXXX shows an outstanding debt to XXXX of {$87.00}. This supposed debt was reflected before and I went through many phone calls to get it cancelled from my records -- and that took 90 days. XXXX shows no amount owing on my account.
Equifax and XXXX  deleted Information and put it back on my Credit Report. I filed a complaint with you all back in XXXX regarding the same thing. XXXX Im filing another one and hope that this can be resolved.
Experian fails to update my credit report numerous medical from corrupt debt collection agencies that do not belong to me mortgage payments that continue to not be updated even with documentation from mortgage company ( XXXX ) old outdated information from over 10 years ago
I am disputing the credit bureaus for retaining a closed account on my credit report. 
Chase Mortgage was transferred to another lender that bought them out in 2006 and therefore should no longer appear on any of my reports!
I have 2 credit inquiries that I do n't remember applying for that are on my record. 

Date - XXXX/XXXX/XXXX - Credit Inquiry - CBNA Date - XXXX/XXXX/XXXX - Credit Inquiry - CITIBANK NA
This collection company does n't abide by the laws set forth by the FDCPA and have made clear violations of FDCPA 809 ( b ). I was never contacted by this company regarding a debt they were collecting on. I found out by credit monitoring service that reported new collection activity. After reviewing my credit reports I disputed this collection account with the XXXX of the XXXX major credit reporting agencies ( XXXX and XXXX ) as XXXX was not reporting such account. Both disputes with XXXX and XXXX came back as verified so I sent a letter to Ability Recovery Services requesting validation of the alleged debt on XX/XX/2016. They failed to respond yet continued to update their collection status on XXXX and XXXX and even started reporting to XXXX. I had to file an initial complaint with the CFPB regarding their lack of response to my request and their continued reporting of alleged debt. They responded with their documentation and claimed that they mailed a response to me on XX/XX/2016. I never received such response. They attached the documents they claim they sent me and both documents are dated after XX/XX/2016. Regardless, their continued and new credit reporting and collection efforts occurred between the time they received my request for validation and the time they claim they responded to my request. I am hereby filing a complaint against this company for their violations of FDCPA 809 ( b ).
I had Equifax drop my credit score by 74 points. I believed that there was an error. 
I called to ask for a credit report and they said that I had one this year and I would have to pay for it. 

I told them that the questions they were asking did not pertain to me. My first name is XXXX, they asked about XXXX. The had me having a car load in XXXX and a mortgatge in XXXX. I have neither. The equifx representative laughed at me when I told him I believed the law stated If incorrect info was on my report I could ask for another. He laughed and hung up.
AMERICAN EXPRESS SERVE DID NOT PAY MY VENTOR AND IS HOLDING MY MONEY. I HAVE CALLED THE CORPORATE OFFICE AND STILL NOT GETTTING ASSISTANCE
I became behind on my mortgage payments due to loss of income in the home. In XXXX 2015 I met with and discussed my options with a foreclosure program for my area. I filed the borrower response package to my mortgage lender per the suggestion of the the foreclosure prevention program. I received notice in mid XXXX that in order to process the loan modification request they needed more verification 's, I sent in the requested verification 's via fax. I had n't been sent a decision of my request but found out on XXXX XXXX, 2015 that my home had been sold at a sheriff 's sale on XXXX the XXXX. I have researched what I did wrong and other than falling behind on my payments I followed the procedures that I was supposed to to prevent the sale of my property. Once the request for loan modification/ partial forbearance of my FHA issued loan the foreclosure process should have been suspended until they fully processed the request. I also was not given a chance to appeal their supposed denial of my request because I did n't receive the denial. According to the law I was n't given the opportunity to save my home like I should have been able to. Since the request for loan modification I have been setting aside what would have been my loan payments in good faith that my situation would be given the consideration that it is supposed to under the law. I would like assistance to get the sale overturned and the full opportunity to save my home.
I have been with TD bank for over nine years and have personal and business direct account with them. This was regarding by business account. I own a laundromat and that is a cash business, I deposit over {$12000.00} a moth in this account and TD bank charges a fee if it supposed {$10000.00}. One of the bank employees offered to help me set up my account so I avoid that fee. 
She had made a mistake how she set my account, she has set up my account that I should have {$40000.00} in my account minimum ( which is how much a receive from my business in the whole year )!! 

As a result of this, I have been charged maintenance fee of {$30.00} a month for 15 months. From XXXX XXXX to XXXX XXXX. 

When I brought this to the attention of the bank manager XXXX he admitted that they made a mistake BUT because I took so long to notice their error he was ONLY going to refund HALF of my money! They charged me over {$450.00} and only gave me back half. I filed a complained to TD bank customer service and did not get enywhere the manager only returned half. I think it is completely UNETHCAL for TD Bank to get paid for the mistake they did on my account and they should not be paid for it! 
I would like a full refund and my my account restated the way it way before it was tampered with ( at {$500.00} minimum at my account which was their promotional offer when I opened an account with them! 
After it was tampered with I have lost this promotion and now I have to minimum of {$1500.00} on my account ).
Several Wells Fargo bankers lied and coerced me into signing for openning multiple personal, business and brokerage accounts. The wells Fargo bankers stated the reason I was signing their electriconic pin pad was in ored to waive overdraft fees. This was a lie. Several Wells Fargo bankers lied and tricked me into opening several business, personal checking, savings, credit cards, brokerage and merchant services accounts without my knowledge or consent. I have filed several complaints about the fraud that the Wells Fargo bankers committed and nothing has happened. The wells fargo bankers lied to me about what they were doing. The wells Fargo bankers at several different wells fargo branches tricked me into signing for opening multiple accounts when I was told by the same wells fargo bankers that the reason I was signing their electric pin pad was to waive overdraft fees. These wells fargo bakers lied and used my signature to open several business checking, business savings, business merchant card processing as well as several personal checking and savings accounts and brokerage accounts without my knowledge or consent. These same bankers deleted these fraudulent accounts from my online banking view. Because of the bankers deleting this fraudulent accounts from my online banking view, I had no clue they existed. I had no clue they existed until I saw derogatory marks of charged off negative accounts on my credit report. This is the same exact corruption that occurred in the XXXX law suit about fraudulent accounts. Wells Fargo opened several business accounts, several personal accounts and several brokerage accounts without my knowledge and consent. The fraudulent accounts charged off with negative balances. I had no clue about the fraudulent activity until I saw the negative remarks and charged off accounts on my credit report. I have filed several complaints with wells fargo and have asked to submit to mediation with wells fargo. Throughout the mediation program, wells fargo keeps delaying and wasting time while giving me the " run around ''. The tracking number for my mediation account is XXXX. I demand that Wells Fargo fully compensate me in the amount of " {$150000.00} For all of the fraud, deceptive business practices, and defamation to character that was committed against me. Wells fargo keeps giving me the " '' run around ''. I need the CFBP to step in and demand more monetary restitution for me for to the horrendous acts of fraud, deceptive business practices and the defamation of my character by Wells Fargo. Please help me as this has damaged my credit report and has cost me losts of money and even has costs me obtaining a job.
I owe a debt to Tower loans. It is a signature loan. They are threatening to garnish my SSI XXXX checks. I am under the impression that they can not do this. I am a single mother with health issues and this is my only form of income. I have expressed to them that I can not pay and that I have to file bankruptcy. They call me Constantly and have shown up at my house XXXX.
I, Am writing this letter for a family member who doesn't speak English. 

On XX/XX/2018 estimated cost {$55.00} I Six months ago helped a friend purchase a car from XXXX dealer On XXXX XXXX. I am limited of understanding and Speaking English, but with my limited English I was assured my name would be taken off the car and placed in my friends name. On XX/XX/XXXX we went to the dealers and I took a translator, since they could not provide me with one the first time. I was informed my name could only be taken off if truck was traded in and a new car was purchased. My friend and his cosigner agreed to this solution. I left truck at dealer with keys with the intention that issue was taken care of. The next day my friend showed up at work with the car he was purchasing from dealer, so I went to dealer that after noon at XXXX XXXX. to sign paper work and received copies that it was out of my name and had no worries everything was taken care of. It is now XX/XX/2018 and I received a phone call from a representative by the name of XXXX ( XXXX XXXX ) who speaks some XXXX  stating I need to pick the truck up, since the deal did not happen with truck trade in. I am confused I witnessed a signature that allowed my friend to drive away in a new car from dealer and witnessed the car in the parking lot of our Job. Are sales representatives there to give false information to buyers so they make a sale or are there laws, which protect the buyers of being told the truth at the time of purchase?? The truck is still on your premises and I contacted the financial company and a lawyer to see what my options are. I will go on Friday to speak with the manager who assured me all was good, so he can explain and give me reasons on why I was lied to and tell me to take the truck and nothing your company can do for me but tell me lies. I am ready to hear this on Friday I have no high expectations nor expected any help from your dealership.
On XX/XX/2017 I was charged {$500.00} and {$370.00} from XXXX XXXX XXXX in XXXX XXXX Florida and i disputed the charges. I disputed in terms of non received the service from the bussiness. After i filed the dispute Bank of America Denied it, the customer service reps were very rude and said that there is nothing they can do. They send me a denial letter of just two sentences.
When checking my Equifax credit report in XX/XX/2018, via my Equifax Credit Monitoring paid membership, I noticed there was a joint open account that I did not recognized as mine under XXXX XXXX XXXX XXXX being reported on my credit file. I disputed the validity of this account with Equifax. I checked my report for updates on XX/XX/XXXX & I noticed that Equifax added comment on the account stating- consumer disputes- reinvestigation in progress. ( copy of the report page attached ) On XX/XX/18 I received a confirmation email from Equifax notifying me my dispute was complete. ( confirmation # : XXXX ) When checking my updated credit report, the account that I previously dispute was deleted & removed from my Equifax credit report. ( copy of dispute confirmation & report page attached ) 3 days later I received a monitoring alert notifying me a new account had been added to my Equifax credit report. I checked my updated report ( via Equifax ), & I found the account that I previously disputed & was given confirmation with a confirmation report verifying that the account was deleted/removed from my credit report ( via Equifax ), was reinserted on my credit file, without any notification whatsoever. Despite the fact that Equifax was unable to verify or validate this account during the dispute investigation, they are knowingly reporting an inaccurate & unverified account on my credit file, which is a direct violation of the Fair Credit Reporting Act & violates my personal consumer protection rights. ( copy of credit report from XX/XX/XXXX attached ).
In XXXX of XXXX, 1st Franklin Financial obtained information from my credit report. There was no consent for them to do so. This resulted in a hard inquiry and also impacted my credit score. This company sued me in XXXX. I have not heard from them in almost 10 years. I received notification from my employer this week stating that I will be garnished at 25 % of my net pay by 1st Franklin Financial. They pulled my credit report to find out a current employer. This seems to be illegal. The company could have obtained my address from that same credit file and a phone number and they could have contacted me to make arrangements. I called the company on Thursday XX/XX/XXXX to see if I can make arrangements to pay them instead of being garnished, and was told No. I also only owe the company about XXXX and I 'm being garnished for XXXX.