WillisBack/dataset-financial-user-claim huggingface dataset:
I had a Personal Account in Santander Bank at XXXX XXXX XXXX, XXXX XXXX XXXX, NY. Four checks were cashed fraudulently from my Bank Account on - check XXXX - XXXX/XXXX/XXXX - {$2500.00} check XXXX - XXXX/XXXX/XXXX - {$6600.00} check XXXX - XXXX/XXXX/XXXX - {$9000.00} check XXXX - XXXX/XXXX/XXXX - {$7500.00} Totalling {$25000.00} The bank did not inform me that they are cashing any of these checks, these big amounts were cleared without informing me by any means from my personal account, I came to know about whereabouts about my bank Account when I came to XXXX in XXXX, since then I am trying to recover my lost money but it has gone in vain. I am an XXXX citizen and did n't know what to do regarding this fraud as I am not aware about how things work in America, recently one of my XXXX friend who lives in America agreed me to help on this matter, and I am taking his help An Affidavit of fraud was filed with the Bank in the month of XXXX XXXX and an investigator ( XXXX XXXX XXXX ) was assigned for the case but he was on a holiday till XXXX XXXX when I got hold of him and he is still not cooperating, he does not reply to his email and most of the calls I make to him go on voicemail. I want {$45000.00} back from the bank as I have had to face a loss of {$25000.00}, interest costs, the opportunity cost, mental stress and mental harassment from the bank. thanks Case is not under Litigation and is dismissed by me, dismissal attached with the complaint.
In XXXX, I had a second mortgage with XXXX. They lied to me about the mortgage rate, and after couple years the rate skyrocketed. In XXXX, I could no longer pay especially the mortgage rates went down dramatically, but XXXX refused to refinance. When I stopped the payments and was ready to walk away, they decided to settle. The mortgage was {$120000.00} ( I paid around {$120000.00} in P & I in 5 years ), and they asked me for {$10000.00} toe settle. I sent them {$5000.00}, promising the rest in a month. Then XXXX charged off the loan left the USA. Couple years later, I received a letter and calls from Green Tree asking for the money. I did n't even know they bought the loan. I explained to them that as promised, I could send them the $ XXXX, but the wanted the entire {$120000.00}. I had a verbal agreement with XXXX but they would not honor it. Again silence for a year until I received a letter from Ditech asking again for {$120000.00}. Again, I reminded them of the $ XXXX agreement, but they do n't want to listen. They paid pennies for this mortgage and now they want to squeeze me
Citibank abruptly ( and without notice ) closed all of my checking and credit accounts. I had been a customer for over 14 years with no negative/late payment history. In particular, two credit card accounts which I had paid a {$450.00} annual fee for, were closed and the bank refused to refund the annual fees.

I am also seeking to receive a monetary credit for the 500k+ rewards points I had earned from legitimate spend on the account.
Under Federal Law I have the right to bring to your attention errors regarding my loans and servicing of them. I have done that and CIT has sent me an incomplete accounting regarding these HELOC Loans. See attached letter to CIT XXXX. As of this date I have not received the requested information to fill in the missing accounting gaps. 
CIT is in violation of Federal Banking Laws and continues to fail to produce the documents requested. They also have not reimbursed me the funds regarding check # XXXX {$50000.00} twice for a total of {$100000.00}.
First National Collection Bureau , Inc. through XXXX is attempting to collect a debt that has long passed any legitimate time frame to collect. In FTC XXXX ( 2009 ) the Federal Trade Commission made is clear the defining terms on a legitimate collection. The first one being that is the debt collectible within state guidelines of the consumer 's domicile. This time line has passed several years ago. I have attached a copy of my complaint directly against XXXX for doing illegal collection practices and for re-aging the legal timeline for removal. I demand that my file with First National Collection Bureau , Inc. be purged immediately and permanently.
In  XXXX  of  2015  I received a letter from CORE ADVISORY GROUP saying they could help me with my mortgage. they offered a huge principal reduction of  XXXX  and a decrease in monthly payments as low as  XXXX . Their fee was  XXXX . I had about 20 days until my next court date to prevent a default judgement and a sale date on my home. I paid the money to CORE. CORE then connected me with another person to help writing letters on my behalf to the bank. The bank offered me a modification with no principle reduction and no huge monthly low rate as advertised. I contacted CORE and was told since I was offered a modification their job was done. I talked with  XXXX ,  XXXX , and  XXXX   XXXX . CORE never showed up in court as promised on the phone.   They stopped taking my calls. CORE misrepresented their sevice s. CORE ADVISORY GROUP is a fraud. I am still seeking help.
Last month, I submitted a complaint under case number XXXX. I had been dealing with Ditech for 6 months to get my escrow account updated with the correct tax amounts. They stated that the issue had been resolved and I got a new mortgage amount. This " resolution '' lasted one month. I just received a statement that my mortgage and tax amounts have gone back up. This incorrectly adds {$200.00} to my payment.
I borrowed approximately {$20000.00}, consolidating small loans into one loan in XXXX. Over the years I have paid approximately $ 16,000+ towards this loan. Navient. Need I say more? Despite repeatedly asking over the past 20ish years if I had any other alternative regarding payments, Navient always replied that my only option was a forebearance or pay the past due amount in full. AT NO TIME did they offer me income based repayment. They did this intentionally as they make MUCH more money via forebearances. Had they done so, the loan would be paid off by now. As it stands today, they have my balance at over {$44000.00}. Seriously???? My loans originated in XXXX, but I have lived in XXXX since XXXX. I have filed a complaint with Sen. XXXX XXXX and asked him to intercede, but not sure how much that will help. Navient is now in the process of confirming my employment, etc., which, my being a XXXXXXXX, I know means they are preparing to sue me. This will be patently unfair and highly injurious to me. I do not believe I should have to pay through the teeth for Navient 's ongoing lying, cheating and stealing. I would like to join any lawsuit available, ESPECIALLY filed by the CPFB. Please advise on how I can stop this ongoing harassment and have my loan recalculated from the first time I was given a forebearance and should have been offered income based repayment. Once this is done, I believe they will actually owe me money, as their payment records ( which despite years of requesting, only recently received from the Feds ) show that I have paid nearly the amount borrowed, and my income has never been high. Further, my primary income has been from XXXX for the last 19 years, and very low at that. Thank you very much for your assistance. XXXX XXXX XXXX
On XX/XX/XXXX {$590.00} was withdrawn from my checking account with out my permission. Wells Fargo never notified me of any transactions that may have stemmed from my foster child 's account being compromised in XX/XX/XXXX due to counterfeit checks being deposited and then withdrawn from his account without knowledge. First, I was told that opening a guardian account would pose no risk to my account and then they allowed counterfeit checks to be deposited and withdrawn before clearing to include allowing this to occur again and again even after the account was placed on hold following me alerting them to this.
Told them to stop calling my number was register to the National do not call registry, and i never give them permition to call me, but they keep calling me, and also calling my husband disclosing the reason of the call, treating me. They keep harrassing me, calling always from diferent numbers. ( XXXX ) XXXX ( XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX They keep violating the concent order imposed by CFPB
I returned home from vacation on XXXX and when going through the mail i discovered a Demand letter from XXXX XXXX XXXX XXXX XXXX telling me i was delinquent on my XXXX property taxes to XXXX XXXX on my XXXX Rose XXXX XXXX XXXX XXXX my residence ). It said if the bill was not paid by XXXX there would be additional interest and penalties and failure to pay by XXXX would result in XXXX County proceeding with levies and sale process. I immediately called Wells Fargo ( the mortgage holder ) at XXXX at night and spoke with XXXX ( XXXX # XXXX ). She confirmed that when they refinanced my old loan ( XXXX ) to my new loan ( XXXX ) back in XXXX XXXX that Wells Fargo failed to pay the XXXX taxes. She old me that she put in a work order ( XXXX ) and it would take XXXX business days to process. I asked for her supervisor and she told me that there were no supervisors available and could they call me back. I said yes. At XXXX XXXX XXXX XXXX ( XXXX number XXXX XXXX ) called me back. She confirmed that it was Wells Fargo 's mistake and it would be paid by XXXX ( a total of 18 days after the demand letter and 7 months after the initial error ). She confirmed that Wells Fargo would pay any penalties and interest. I asked her about the effect on my credit rating and was told that if i could show written proof to Wells Fargo that it adversely effected my credit they would correct it. On XXXX at XXXX I called the XXXX County Tax Commissioner 's Office and spoke to XXXX XXXX XXXX She noted in my file 1 ) I had contacted the mortgage holder 2 ) I had contacted XXXX County Tax office 3 ) The failure to pay was due to a re-fi 4 ) the bill would be paid by end of XXXX XXXX. She told me that there was a tax lien on my property and it would be removed 6-8 weeks after the bill was paid. What i do n't understand is why Wells Fargo did not catch this. Do they not have an audit process designed to catch these mistakes? Why can this not be taken care of immediately? Given my past experiences re-financing this property with Wells Fargo i do not trust them to take care of this issue in a timely manner and I will be the one to pay the price.
These accounts have not provided proof and either was removed or re-inserted without notifying me. 

XXXX XXXX was an account that was removed on XX/XX/2017 from XXXX  but both XXXX and XXXX have not removed the account, although the creditor failed to provide proof. 

XXXX XXXX has not provided any proof or account information but is reporting on my credit report. 

Enhanced Recovery was an account that was deleted XX/XX/2017 by XXXX XXXX account but re-inserted without notifying me or proof.
I am currently being garnished for a vehicle that I did not purchase. I have made several attempts to find out who purchased this vehicle in my name but was not successful. I reached out to General Sessions Court and the Attorney who was handling this matter and no one returned my calls. It has been very difficult for me to live financially with this garnishment coming out of my pay. According to their records the car was purchase when I was a minor.
Paypal limited my account on XXXX for additional documentations. After I uploaded my identifying documents and business documents, Paypal decided to permanently freeze my account and lock my fund for 180 days citing " security reasons '' for chargebacks. This is absolutely ridiculous, all the payments I received are from Paypal funds or checking accounts. This is their way of getting a free loan from their customers.
Transunion is reporting closed account that does not belong to me with XXXX. The account is under another persons name and should not be reported on my credit report. Transunion has not verified this account belongs to me after multiple attempts to dispute account. The dispute process through Transunion will not even allow me to dispute any incorrect information through there website or bring up credit report.
XXXX XXXX XXXX XXXX XXXX, XXXX and Incorrect accounts on my credit report. I am a victim! 

A Huge security breach at credit reporting company XXXX has exposed sensitive information, such as social security numbers and addresses of up to XXXX XXXX Americans. THE BREACH HAPPENED IN BETWEEN XXXX XXXX TO XXXX XXXX AND XXXX IS JUST NOW MAKING THIS PUBLIC XXXX XXXX, XXXX. 

Unlike other data breaches, those affected by the breach XXXX not even know they 're customers of the company. XXXX XXXX XXXX XXXX is XXXX of the XXXX nationwide credit-reporting agencies that track and rate financial history of consumers. The company gets it 's data from credit card companies, banks, retailers, and lenders -- sometimes without me knowing and WITHOUT MY CONSENT! 

The data breach is among the worst ever because of the amount of people affected and the sensitive type of information exposed. My personal information was exposed including my social security number, date of birth, credit card numbers, addresses, phone numbers, and dispute documents. 

XXXX has confirmed and claimed that as many as XXXX XXXX people in the United States were hit. Others in the XXXX and XXXX were also impacted, but XXXX has n't said how many. Credit card numbers for about XXXX XXXX customers were compromised, in addition to " personal identifying information '' on about XXXX XXXX customers. 

I have been disputing incorrect accounts on my credit report since XXXX of XXXX and XXXX did not notify me in the mail stating that my personal information and dispute records were breached. XXXX jusst informed the public XXXX XXXX, XXXX when this unauthorized and breach happened in XXXX and XXXX XXXX. XXXX confirmed and claimed that the criminals " exploited a XXXX website application vulnerability to gain access to certain files. '' The company has n't clarified who is behind the data breach, but noted that an investigation is ongoing. 

XXXX is proposing that i sign up for credit file monitoring and identity theft protection for XXXX year. Doing so by signing the proposal and service voids my participation in a class action lawsuit. I will not consent or sign anything XXXX has to offer. The company operates in fraud and my reasons are the following : 01. IT WILL LOCK ME INTO BINDING ARBITRATION CLAUSES IN THE AGREEMENT 02. ENTERING INTO THAT AGREEMENT WILL LIMIT MY REMEDIES 03. ARBITRATION IS ONE-SIDED WHEN IT COMES TO BIG COMPANIES 04. ARBITRATION TAKES A LONG TIME 05. ARBITRATION ALLOWS XXXX TO MANIPULATE THE PROCESS 06. MY DATA WAS BREACHED AND EXPOSED I CAN SUE XXXX  FOR A SUBSTANTIAL AMOUNT OF MONEY. 
07. WHO HAS MY DATA NOW AND AFTER THE BREACH? EQUIFAX DOES NOT KNOW! 

As a Secured Party Creditor I will be filing the following against XXXX : AN ADMINISTRATIVE CLAIM FOR DAMAGES, A TORT CLAIM AND COMMERCIAL LEIN AND THE ONLY WAY THE LIEN CAN SATISFIES IS : TO PAY IT! OR A TRIAL BY JURY. XXXX DOES NOT A TRIAL BY JURY! THIS IS WHY THEY WANT ME TO ENTER ARBITRATION.
Called and left a message saying that " serious allegations '' were being filed against me in XXXX XXXX in which I used to live. They continue to leave harrassing messages using different numbers frequently.
Phone calls started just 5 days after missed payment of XX/XX/XXXX. I requested not to be called, and stated I would set up a payment online. I have set up a payment online that includes XX/XX/XXXX of {$74.00}, and XXXX 's XXXX payment. My payment is set up for XX/XX/XXXX. I requested verbally on the phone to stop calling, and I sent an e-mail through the correspondence option on the Chase site not to be called. The calls are still ongoing, and they are repeated, calling every hour, every single day. I've also explained that it is causing XXXX XXXX and XXXX, and they refuse to stop the calls.
Released Tax Lien XX/XX/XXXX {$990000.00} XXXX XXXX - Released Tax Lien XX/XX/XXXX {$990000.00} XXXX XXXX - Released Tax Lien XX/XX/XXXX {$680000.00} XXXX XXXX - All tax liens have been withdrawn and should no longer be showing up on this credit report.
Safe Rent is showing an account for a company known as, " XXXX XXXX XXXX, '' as open and not paid from 2007. The account is closed and is past the statute of limitations and should no longer be reported on any credit report. When trying to rent an apartment, XXXX is attempting to in sense force me to pay them the money from this old debt and because its past the statute of limitations and can not legally sue me for the amount or report in on my XXXX, XXXX, or XXXX reports is using their knowledge of my desire for the new rental apartment to pay them on this old and void collection to pay. Because the apartment complex has to hear form XXXX XXXX that the amount of, {$1800.00} is paid or no longer void will not rent to me. XXXX XXXX knows the amount in question is pass the statute of limitations and attempting to collect on this old collection by not reporting updated information to the, Safe Rent collection bureau or the desired rental i 'm attempting to do business with now is nothing short of blackmail ....
My wife had been to XXXX XXXX before me they made her pay both times she was there even though her insurance said they was not supposed to charge for XXXXt 2 calls so she called them she had a credit on her account for {$40.00} and asked them to transfer to mine which would still leave a credit of {$5.00} this was supposed to be taken care of but then we got a letter from a collection agency we wrote them back and explained never heard from them again but this showed up on my credit report we even tried contacting XXXX but they never answered their requests either.
This is my 2nd complaint FILED AGAINST NATIONAL CREDIT SYSYTEMS.

COLLECTION ACCT # XXXX. NATIONAL CREDIT SYSTEMS IN C.F.P.B., COMPLAINT # XXXX RESPONDED TO C.F.P.B. THAT THEY WILL STOP THE FULL COLLECTION EFFORTS ON THIS ACCOUNT, HOWEVER THEY DID NOT STATE THAT THE COLLECTION THEY REPORTED TO ALL 3 MAJOR CREDIT WOULD BE DELETED! WHEN I CALLED THEM TO ASK IF SUCH ACTION WAS TAKEN TO DELETE THE COLLECTION FROM ALL CREDIT BUREAUS, THEY HUNG UP THE PHONE ON ME, WHICH HAS NOW PROMPTED THIS 2ND COMPLAINT. NATIONAL CREDIT SYSTEMS HAS DAMAGED MY CREDIT RATING BY MALICIOUSLY NOT DELETING THIS COLLECTION, THAT NOW THANKS TO THE C.F.P.B. THEY REPLIED IN THE PREVIOUS COMPLAINT. I NEED NATIONAL CREDIT SYSTEMS TO SEND YOU IN WRITTING THAT THIS COLLECTION WILL BE NOT ONLY BE CEASED IN COLLECTING BUT WILL ALSO BE DELETED FROM ALL CREDIT BUREAUS.
Capio Partners , LLC has a collection on my credit report from XXXX XXXX XXXX of XXXX XXXX. The debt has long been paid in full ; however, XXXX XXXX still has the Collection on my credit report which is negatively impacting my credit and ability to purchase a home. I have contacted them and requested they remove the collection and was assured that they would ; however, they have failed to do so. My home lender is pulling another credit report in a few weeks so this collection - which has long been paid - needs to be removed ASAP.
I am writing to exercise my right to request verifiable proof of the negative events you have listed within my credit file. The 15 U.S. Code 1681g - Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE. 

1. XXXX 2. XXXX 3. XXXX 4. XXXX 5. XXXX 6. XXXX 7. XXXX 8. XXXX 9. XXXX 10. XXXX 11. XXXX 12. XXXX 13. XXXX 14. XXXX 15. XXXX 16. XXXX 17. XXXX 18. Inquiries Name of Company Date of Inquiry Type of Business XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Miscellaneous And Public Record XXXX XX/XX/XXXX Miscellaneous And Public Record XXXX XX/XX/XXXX Miscellaneous And Public Record XXXX XX/XX/XXXX Miscellaneous And Public Record XXXX XX/XX/XXXX Banking XXXX XX/XX/XXXX Banking XXXX XX/XX/XXXX Banking XXXX XX/XX/XXXX Finance XXXX XX/XX/XXXX Banking I expect that you will provide verifiable proof as required under the 15 U.S. Code 1681g - Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect these negative events to be removed.! Please communicate your intentions in writing.!
I do not have a contract with the said company. I have sent validation letter to XXXX back in XX/XX/2016 with the letter being returned undeliverable. Shortly after JH Port started reporting this account with the credit reportinfg agenices.
Fair Collections & Outsourcing is currently reporting a collection account on my credit report from XXXX. I have no knowledge of this account and i have never rented an apartment from XXXX Apartments. The address has never been a residence of mine and i have no knowledge of this account with them. I was never given a XXXX to dispute the alleged account as well. This account does not belong to me and should not be reporting on my credit file
Equifax makes you unable to access dispute information to even see if it was filed. I was able to get a correction for collections on my report removed from both other agencies but equifax phone support transfers you over to people in the XXXX/outsourced, where they do n't resolve, have no knowledge of, and try to sell you a service to basically get it deleted, maybe.
I have been trying to get a loan modification for over 2 years from my lender BSI Financial. They routinely turn me down for a loan modification for reasons that are false, ( this last time they said that I only make XXXX a month and that is not enough, but in reality I make over XXXX a month ). They never return my phone calls and I had to file chapter XXXX a year ago to keep them from selling my house out from underneath me. Until XXXX I was paying the Chapter XXXX trustee over XXXX a month and my loan payment of XXXX to BSI. But I have not paid them since XXXX but have stayed current on my payments to the Trustee. I have found thousands of consumer complaints about them and they have done everything possible to get me out of my house. Please help me keep my home
Hello my name is XXXX XXXX. I purchased a money order in the amount of XXXX $ on XX/XX/XXXX for my rent. The place I rented " lost '' the money order so on XX/XX/XXXX I sent in the form for the refund and the requested money for the fees. I waited a month like they said and still no money order so I called they said they didn't get the form to send it by email so I did. I waited a month still no money order. So I called again and they said they just sent it out on the XXXX of last month Ok so I waited 30 days still no money order so I called again when I called they said it was sent out on the XXXX. I knowing that it's a different day then what they said last time said ok and Waited for a little. Last week I called them and asked where my refund was and they said they sent it out on the XXXX. I asked them to send the refund to the card used they said " it doesn't work like that '' even though the website says that it does work like that. They are trying not to give me the refund for the money order.