WillisBack/dataset-financial-user-claim huggingface dataset:
I withdrew a cash advance from credit card XXXX/XXXX/16 for {$1200.00}. The fee for the advance was {$60.00}. I have a 0 % introductory purchase apr that expires XXXX/XXXX/16, at which time it converts to 23.24 %. Cash advance apr begins accruing immediately at 24.24 %. The minimum payment for the account was {$25.00}, due by XXXX/XXXX/16. On XXXX/XXXX/16 I made a payment for {$1300.00}. They did not apply this {$1300.00} payment to the cash advance. When I called and spoke with them they said they could n't see how the payment was allocated and they would have to escalate it to maintenance to find out what happened to the money. My current statement for XXXX/XXXX/16 shows my cash advance balance as {$1300.00}. There have been no other cash advances made during the life of this account. My promotional purchase apr has not expired yet. At this time my cash advance balance should be {$0.00}, as I payed it off 13 days after opening it.
I took out a private loan with   XXXX   XXXX   /  Navient  in  XXXX , it totaled to {$3900.00}. I attempted to arrange a payment arrangement with them, as I have a federal loan that now totals  XXXX . They would not work with me unless I paid them the money they requested, I remember trying to make a {$50.00} payment because that was all I had and they would n't accept it. I could not make large payments to them and pay for my federal loans. It ultimately went into collections.     It appeared that I would have better luck with them, although they told me the amount was around {$6300.00}, which was far more then the initial amount. They asked for a lump sum amount to bring it current. I was willing to do that at the time, I made  two  payments of {$500.00} (  XX/XX/XXXX    and  XX/XX/XXXX    ). Which I thought brought the balance down to {$5300.00}. I have been making payments towards this debt since   XXXX  . In total I have paid {$1800.00} towards this debt  (  {$1900.00} on   XX/XX/XXXX   its automatic withdraw ).     I have been trying to improve my  credit score , so I recently ran my  credit score  and saw that the debt was not as low as I thought it was. When I realized this I contacted the agency, only to find the debt had been given to another company. I was never notified or contacted about the changes and they are claiming I owe {$6000.00}. They told me I needed to contact Navient about the debt being on my credit report and the amount that the loan was. I called  Navient  and they told me that I need to contact the  credit collections  agency.
I tried to deposit {$100.00} dollars ( XXXX XXXX ) cash at the Bank of America branch located at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX and the teller receiving the deposit request my Driver License so she could swipe it to which I responded with a NO because I did not think that it was proper for the Bank to obtain my personal information which is encoded in my Drivers License, besides I was making a deposit on someone else 's account NOT my personal account. She refused to take my deposit After I said No the teller told me that the Bank was required by the Internal Revenue Service to request such information from anyone XXXX depositing cash no matter the amount to which I responded that the Internal Revenue Service requires additional information when the deposit is {$10000.00} dollars or more in cash She sent me to speak to a customer service agent which I did I received the same response Bank of America will No accept my cash deposit of {$100.00} dollars cash unless I am willing to provide them with my Drivers License so that can register my information. 

I know what the Internal Revenue Service requirements are as to cash deposits and I find it unbelievable that Bank of America is using the IRS name to collect private information If I am correct with my assertion I respectfully request that you send Bank of America a Cease and Desist letter so that they stop using the Internal Revenue Service as an excuse to collect private information.
XXXX/XXXX/XXXX td bank said they were blocking XXXX I spoke to a supervisor and this is what he told me, this seems unfair as I think all financial institutes should offer fair services, also I had used this bank before to deposit crypto funds with no problems.
I recently contacted Capital One regarding a chargeback item that I was charged for services that were supposed to be rendered. Once the initial dispute was created online, I was not contacted again by Capital One or given any type of statement credit. I followed up with Capital One around 30 days later, only to find that my dispute had gone nowhere. They showed the dispute in their system, but told me that because the charge was prior to 120 days from today 's date " there was nothing they could do about it ''. I attempted to contact their Transaction Support Center again and at that time they informed me they would send me a packet to fill out and return. Today, I received a XXXX-page letter stating that " if you still want to dispute the charge, you will need to contact the merchant and work directly with them on this matter. At this time, we consider your case closed. ''
I received a check from the CFPB Civil Penalty fund for CFPB V. Green Tree Servicing. ( Tracking # XXXX ). I read the letter and the case. I understand that {$18.00} XXXX was paid into the CFPB Civil Penalty Fund from which I was paid from. The case states there was also a payment from Green Tree of {$30.00} XXXX for violations regarding in process loan modifications. I would like to submit a claim for the repayment of the offense from this {$30.00} XXXX account. How do I go about submitting a claim to be compensated from this fund?
they say that my info i provided is incorrect that i used to try and file a claim. they have no person to person customer service and want copies of my soc. security and personal bills. what good will that do if they wo n't let me log on with the same info i already provided? They show a bankruptcy which is not mine and i have never filed for one. Equifax and any other credit agency should have to make sure their info is correct and accurate in this day and age. Having the victim of their incorrect information jump through hoops is unacceptable! please help to correct this.
I am requesting the removal of two judgments and four bankruptci es ( below )  on my Equifax and other reports due to  Civil Case No .  XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX ., v. Equifax Information  Service LLC .  I did not know the source of their information on those judgments and bankruptcies and due to this Equifax has violated the FCRA. Please remove these judgments and bankruptcies. They sent letter with  XXXX   XXXX  verifying and I contacted them on  XXXX  and stated it was not.     Judgment  XXXX  AND  XXXX  Bankruptcies  XXXX   XXXX   XXXX  and  XXXX
On the morning of XX/XX/2018, the client, XXXX XXXX of XXXX, CT awoke to find out that this car, a XXXX  XXXX XXXX was missing from his driveway. Upon contacting the XXXX Police, XXXX XXXX was informed that his car had been repossessed during the night time hours. 

Later on the XX/XX/XXXX, XXXX XXXX received a XXXX package that included a notice from Chase that he was past due {$1000.00}. XXXX XXXX called Chase to make arrangements to pay the aforesaid sum but was advised that he now had to pay the entire value of the car, {$31000.00}. 

XXXX XXXX has hired my lawfirm to try to get his car back. Under Connecticut law, the Lessor has to give at least 10 days notice of the default and a cure period before attempting repossession. We have been unable to reach Chase so far.
This my second complaint against Professional Placement Service in the last 14 days. The debt for {$670.00} owed to XXXX XXXX XXXX XXXX do not belong to me. This debt is the result of identity theft. I am a victim of identity theft. I have never opened an account with XXXX XXXX XXXX. This debt is currently on my XXXX, XXXX and XXXX credit report.
Huntington National Bank had a system issue causing some debits to double charge. Huntington was well aware of this issue as they had banner notifications on thier website while they were working thru the problem. My account was double charged and as promised, huntington reversed those charges. They did not however reverse the Overdraft fee caused by this double charging. I called in and spoke with a telephone banker and teh banker was able to reverse those charges for me over the phone as well as a extended overdraft fee that was also a result of the original overdraft. A day later ( unbeknownst to me ) Huntington reversed the refund off my account. This caused other OD fees when I used my debit card. Huntington now says the charges are my fault when my statement ( screenshot attached ) clearly shows the errors.
Im a victim of identity theft and have had several fraudulent credit card accounts opened in my name with companies : XXXX XXXX-OPENED-XX/XX/XXXX-BALANCE- {$9500.00}, XXXX XXXX-OPENED- XX/XX/XXXX-BALANCE- {$17000.00}, XXXX XXXX XXXX- OPENED- XX/XX/XXXX-BALANCE- {$8000.00}. There are also 2 fraudulent credit inquiries resulting from the crime as states : XXXXXXXX XXXX-XX/XX/XXXX, XXXX-XX/XX/XXXX. I have a fraud alert on my credit file, and have sent them my police report, affidavit from the FTC, and sent them information regarding this being a fraudulent account. I didnt consent, authorize, apply, nor request for this fraudulent credit card account to be opened in my name. The address on file does not belong to me, the accounts where not authorized to be open by me, and Ive been a victim of identity theft for over a year. The XXXX police department deemed these fraudulent accounts as fraudulent credit card accounts, and it is documented with the XXXX police department that, Im a victim of identity theft. There is also a address on my credit file reporting that is a fraudulent address as well in which, I never resided at the address listed. I have that address listed on my FTC/IDENTITY THEFT REPORT as a fraudulent address as well. Per the FTC if an account is reporting inaccurately or if a consumer is a victim of identity theft the account is suppose to be removed off of a consumers credit file. Due to the fact the perpetrator who opened up these fraudulent accounts in the consumers name used the consumers personal information to have the fraudulent accounts opened. Identity theft has been on the rise for a very long time now, and several consumers are being affected by individuals stealing their personal information using it to open up accounts in consumers name. Im a victim of having someone steal my personal information and use it for their personal gain which has lead to this issue, Im having with these creditors. Im not going to be liable nor responsible for fraudulent credit card accounts being opened in my name as if, Im the one that applied for these fraudulent accounte. Ive also submitted a FTC/IDENTITY THEFT REPORT as well with the government deeming these accounts as fraudulent accounts, and these accounts need to be deleted/removed off of my credit files asap. These are not my accounts, and I shouldnt have to deal with an issue as such. I need assistance with having these accounts removed off of my credit files, and out of my name immediately.
I have received MANY credit card offers over the years from  US BAN K and never accepted them. In  XXXX  of   XXXX  , I got an offer for our business with a cash back bonus o f $ 500.if you s pend {$4500.00}. within the first 150 days. I applied and got accepted. By the time I got my  XXXX  statement, I had already spent {$4900.00}. At the beginning of  XXXX , I called because I had not seen my bonus yet. The person I spoke to  at US  BANK looked over my account and did n't understand why I did n't get it either and she said she will send my complaint t o one of their  departments and have someone get back to me.   Today (  XXXX   XXXX ,   XXXX   ) I received a letter in the mail stating that I do n't qualify for the cash back bonus because the charges needed to be done by the Authorized Officer only and not by any Authorized Employees.. I got out ALL of my paperwork and the original offer they sent and I do not see anywhere in this paperwork where it says that I had to make all the purchases. I have had and used numerous offers over the years with different banks and this is the FIRST time that I have ever had something like this happen. To me, this is FRAUDULENT advertising and it does n't look like there is anything I can do about it.
I contacted the collection agency on multiple occasions regarding verification of debt. The collection ignored my requests to verify this debt. This was a credit card debt that is in dispute. Multiple times I asked XXXX XXXX to provide verification. They chose to add fees and then sell the debt to LVNV. I have never received any verification from this agency and ONTOP OF MULTIPLE PHONE CALLS ALL DAY AND NIGHT FROM THEM. They never validated debt to me and are in violation of FDCPA and now have moved on to sueing me in small claims. I have sent letters requested LNVN to provide details on how the alleged amount of XXXX was calculated, LVNV has been reporting this balance against this account to all credit reporting agencies on my credit report When I started this dispute the balance was under {$500.00}. Misstating the amount a Consumer owes by a mere penny may constitute a violation of the Fair Debt Collection Practices Act. The FDCPA prohibits the use of any false, deceptive, or misleading representations in an attempt to collect a debt. See 15 U.S.C. 1692e I have not received any such agreement from the original creditor, As per law the LVNV is not authorized to collect interest unless it is authorized, I request LVNV to provide a contract from original creditor stating that LVNV is authorized to collect interest on this account. As per evidence presented above LVNV has violated FDCPA
Company named Contract Callers  submitted a derogatory mark on my credit report on XXXX-17. I  have no idea what this negative mark is for nor have they contacted me regarding the amount owed of  XXXX. I have no idea what this was for and I wanted to see if this can be deleted from mt report.
This Company is still reporting and account on my credit that has been transferred to another agency. This XXXX item is now a duplicate and this company needs to close my account Diversified Consultants , Inc . 
XXXX XXXX, FL XXXX
We received a form XXXX from Ocwen for the debt cancellation of {$150000.00} for 2017 Tax year. Debt was cancelled as of XX/XX/2017 per form XXXX. Per the loan modification agreement and letter from Ocwen 's Office of the Consumer Ombudsman, the principal reduction of {$150000.00} would occur over a 3 year period. The deferred principal reduction was to be reduced by {$50000.00} over a 3 year period. The XX/XX/2017 mortgage account statement shows the deferred principal balance has been reduced from {$150000.00} to {$120000.00}, difference between the two amounts is the agreement principal reduction amount of {$50000.00}.
The homeowner has been trying to get a loan modification since XXXX/XXXX/XXXX. During this time Washington Mutual stated that the application was lost, re-apply. During the period of XXXX/XXXX/XXXX WaMu was acquired by J.P Morgan Chase Bank , N.A . I have applied 3 times since with JP Morgan Chase only to be denied : without an explanation for the denial. 

On XXXX/XXXX/XXXX A notice of foreclosure was filed during a loan modification application, which began dual tracking against the homeowner. 

On XXXX XXXX, XXXX a Lawsuit was filed against WAMU and JP Morgan Chase for Recession. 

On XXXX XXXX, XXXX a decision was granted to homeowner for Recission in favor of the homeowner. Case number : XXXX vrs JP Morgan Chase XXXX XXXX. The Recission award was for {$90000.00} dollars. To this date I have not seen any account, nor was monies not received on behalf of homeowner. 

On XXXX/XXXX/XXXX the Court dismissed the above case without prejudice. I have not received any monies thus far. 

According to JP Morgan Chase the Principle Reduction was paid to XXXX account # XXXX : the homeowner is not aware whos account this is? 

A new Statement of Foreclosure was sent to homeowner of XXXX/XXXX/XXXX. 

The homeowner has ordered a XXXX and show strong evidence that the following possible violations exist : 1. Broken chain of title. 
2. No just standing 3. Gross fragmentation of the note to XXXX. 
The home owners XXXX audit produced in XXXX, XXXX also show strong known robo signer participation in XXXX documents and more. 
The Homeowner alleges the following investor, Master Trustee and servicers ; most likely know of the broken title and no just standing : but started the foreclosure process without just standing. The investor, Master Trustee and servicers include : : JP Morgan Chase Bank NA, This CFPB complaint includes : 1. LACK OF STANDING TO FORECLOSE ; 2. FRAUD IN THE CONCEALMENT ; 3. FRAUD IN THE INDUCEMENT ; 4. INTENTIONAL INFLICTION OF EMOTIONAL DISTRESS ; 5. QUIET TITLE ; 6. SLANDER OF TITLE ; 7. DECLARATORY RELIEF ; 8. VIOLATIONS OF TILA ; 9. VIOLATIONS OF RESPA ; 10. RESCISSION.
I am applying for a home mortgage and all XXXX credit entities show an outstanding bill for XXXX ... 
I have never had an XXXX account. It does not belong to me and needs to be removed.
This company was the servicer of this loan and then bought the company that was charged with fraudulent lending practices. I have been paying on this loan since   XX/XX/XXXX   and originally borrowed  XXXX . After 8.67 % interest rate and a daily  XXXX  per diem rate I still owe  XXXX  after 14 years. This includes paying extra which the company holds in unapplied funds. For example I just paid  XXXX  dollars and only  XXXX  dollars was applied to principal. Since this company was involved in a Class Action Lawsuit where some customers received principal reductions or {$5000.00} I just do n't understand why I 'm being treated differently for this   XXXX   XXXX   XXXX   XXXX  . I have talked to over  100 different employees and executive 's and heard what  XXXX  was quoted as holding them   responsible. Over 14 years I have contacted the BBB, The CFP B ( 3 ) times, The US Tr easury, The Comptroller of t he US, numerous free attorney ad vice, The Urban Rural Housing Division with no luck. The company upon my request sent me a history of my payments and their stealing my money every month with no end in site. Help me this time, I 'm current on this loan but I cant keep fighting this company without help. This loan was taken out on fraudulent lending practices already litigated in  Federal Court.
I CANT BELIEVE THIS MESS. I SENT OUT NOT XXXX BUT XXXX LETTERS STATIN NOT TO CONTACT ME AND TO TAKE THIS MESS OFF MY CREDIT REPORT.
There is concern for not being able to access report online and the information displayed to verify my identity/account is not associated with me. In speaking with XXXX, ID XXXX to request a mailed copy of my report I was provided Conf # XXXX, and informed a report would be received within 10 business days. 

On or around XXXX XXXX, 2017, I telephoned Equifax to report missing checks, a fraud alert that was initiated by the bank and to confirm Equifax security freeze. On this date, I was informed that a credit report was processed and would be mailed ( Conf # XXXX ). I have yet to receive a credit report from Equifax.
I requested a dispute on a particular account on XXXX XXXX 2016 with TransUnion credit reporting agency I faxed in proof of my payment history to verify I was not late on a payment XX/XX/2016 or ever late on a payment with that company. this information was faxed in and I have the confirmation dated XX/XX/2016 at XXXX. TransUnion sent me a letter dated XX/XX/2016 that states the results were verified no change, they sent another letter dated XX/XX/2016 that said the same thing. This is incorrect I 've spoken with the account holder directly and they have confirmed a mistake was made when the location that managed my account closed and they moved all files to another location, they stated to me that the information has been updated in their record however this particular company has not reported to TransUnion since XX/XX/2016 therefore my credit report still shows a delinquent payment from XX/XX/2016 and it also still shows a balance that 's {$400.00} more than what I actually owe.
I already closed my credit card.
I contacted citibank to close my account.
They agreed to close those.
So I asked them my balance ( to pay all balance ) Then I paid those off in full which they told me.
After couple month later.
They said I have past bill.
I tried to contact them but no answer.
XXXX Please reopen this case. XXXX closed it before they even received my documents/ proof. 
Please see the attachment. 
The dates do not match, I did not sign this or have it notarized ... The entire thing paints a clear picture of forgery and fraud. 

This is not my signiture, I sent your company proof that it COULD NOT be my signature ( as I was out of the country on federal government work ). 
Also, you have not addressed why my credit report now shows Im on a New 40 YEAR mortgage with my ex-wife. 
I need any and all paperwork regarding this.
I bought a house that closed on XX/XX/XXXX - loan was with Wells Fargo Home Loans. On XX/XX/XXXX I received a letter stating that my closing documents were revised - not to worry because nothing would change in regards to the terms ( length of loan or monthly payment ). In my opinion it was extremely misleading. I contacted the number ( XX/XX/XXXX ) listed on the letter to inquire about the change. After escalation to the Executive Office, XXXX XXXX, contacted me on XX/XX/XXXX. It was at this time she stated a case would be opened in regards to my questions/concerns. My concerns were as follows. One - why were the documents revised without consulting me prior to the change? Two - what changes were actually made? Since XXXX wasn't willing to verbally disclose what changes were made I formally requested a copy of the Document that was revised. Unfortunately, as of XX/XX/XXXX she or her office hasn't complied with that request. I took matters in my own hands and went into a Wells Fargo Bank Location and voiced my frustration - a banker was able to help me with my request. As frustration mounted I tried to contact someone else within the organization - I was told XXXX was at the highest level and she would be dealing with my case. XXXX continues to with extensions in increments of 10 business days. Fast forward to XX/XX/XXXX - XXXX contacted me once again extending the resolution date to XX/XX/XXXX. I expressed my discomfort stating, " Wells Fargo had the obligation to have a resolution closed by XX/XX/XXXX according to Federal Regulations ''. She stated, " this is a very complicated matter that needs to be addressed by many departments ''. I requested to speak to her supervisor - was told she would relay the message ( no contact with that individual as of today XX/XX/XXXX. Wells Fargo contacted me on XX/XX/XXXX again extending the closure date to XX/XX/XXXX. I again asked to speak to a supervisor but was denied - told the message would be relayed. In my opinion 3 month should be plenty of time. In closing, it took 1.5 days for me to figure out for myself I was overcharged on multiple lines. I did express this to XXXX on many occasions. At some point enough is enough. Wells Fargo has took to the media stating that they were reborn again in XX/XX/XXXX - it's nothing but lies.
I have a collection account on my 3 credit reports from XXXX XXXX/XXXX XXXX for XXXX $ which was already paid. I tried to reach out to the company to get this account removed but was not successful. Account name is listed as XXXX on my credit reports with a date of XX/XX/2016