WillisBack/dataset-financial-user-claim huggingface dataset:
This is a copy of the letter I sent to Chase bank. 

XX/XX/XXXX Dear Chase Bank, I am a customer with Chase bank. I am a victim of a job scam and bank scam. 
I got a job offer from XXXX XXXX XXXX XXXX in XX/XX/2018 which I thought was a genuine company. They said they are an Escrow company. 
I completed my employment registration and was given tasks to make payments to clients involved in escrow. 
The company sent the money into my Chase checking account through XXXX for me to give to the escrow clients. Because I was not required to deposit checks into my account or to spend my money I thought everything was genuine. 
I did not receive any salary or bonus from them. 
On XX/XX/XXXX I found out my Chase checking account was frozen and I called Chase bank who told me someone told them the money deposited into my account was not authorized by them, Chase bank told me the froze the account to conduct their own investigation. Then I realized I was a victim of scam. 

The scammer called Chase bank to make himself or herself the victim and me the culprit to get back all the money they sent. I am the real victim with sleepless nights and my bank account frozen and reported to XXXX. I waited for weeks for the bank investigators to contact me and hear from me, no one contacted me from the bank. This is where Chase bank erred, if they had contacted me to find out my story they would have got to the bottom of finding the culprits before making a decision to revert the payment. 

On XX/XX/XXXX Chase bank reversed the payment to the scammer leaving a very huge deficit in my checking account. Did the scammer tell Chase I stole money from their account even when they paid it themselves. So I filed a claim with Chase bank on XX/XX/XXXX for Chase to look at my evidence and find out the real culprits before they get other victims. I called Chase bank again on XX/XX/XXXX where I was told to submit copies of my evidence to any Chase branch manager in XXXX, Texas. I was able to do so on XX/XX/XXXX. Also see Case Number- XXXX XXXX XXXX where all the evidence to support my claim was provided. 
Hoping the deficit will soon be reversed. 
Thank you for your consideration. 
Truly yours, XXXX XXXX
I recently refinanced my mortage taking advantage of a HARP loan thru XXXX XXXX. The process went very smooth and on XXXX XXXX I closed on the loan at XXXX XXXX XXXX in XXXX IL. The funds of {$83000.00} were wired to Ocwen Mortage on XXXX XXXX 2015 and received into their XXXX XXXX Account. The same day of this deposit, XXXX XXXX 2015, Ocwen transfered ownership of the loan to XXXX XXXX. As of today, XXXX XXXX, 2015, Ocwen has not turned these funds over to XXXX XXXX to satisfy the payoff of this mortage. I have been in contact with Ocwen over the last XXXX weeks and have been assured that the funds would be transfered. 

This is a concern to me as I am now receiving letters from XXXX advising that I am deliquent and must pay as soon as possible or I will be in default. I have contacted XXXX XXXX and advised them of this situation as well.
I've contacted National Credit Systems on 3-4 occasions regarding incorrect reporting. I have a dispute through credit reporting the debt remains on my report. I did notify Rep the debt did not belong to me but my daughter and should not be on my credit. After speaking with an agent ( XXXX XXXX ) on each occasion, I was told there would be a packet sent to me regarding the dispute. I was not a co-signer. Have not recvd pocket. XXXX XXXX contacted me on XX/XX/2018 stating she had spoke with my daughter and my daughter would pay the debt. I again advised Rep the debt belonged only to my daughter and not me. I did mention to the Rep as my daughter did, I was considering filing Bankrupt and did not want the debt labelled as bankrupt showing on my daughter 's report. Rep stated again, my daughter had agreed to pay debt. The debt is in the amount of {$1800.00} placed in collections by XXXX XXXX XXXX.
We had a {$0.00} balance on a credit card with Barclay Bank and they took a {$5400.00} payment overdrawing our checking account without notifying us. The funds were withdrawn via ACH and it is shocking that they would not have a control in place to prevent such payments from being taken given that the balance on the credit card was {$0.00}. Barclay refused to electronically return the money to our account in a timely manner. Given the overdrawn amount on our account and other fees we 've incurred, we are seeking damages of {$75.00}.
XXXX   XXXX   XXXX   {$5600.00}, now {$4600.00} minus {$350.00} payment on   XXXX   XXXX   XXXX   I requested an explanation of why the principal reduced, but the corresponding interest charge did not match. Still, no response fro m them.. My last letter to them is attached to this document.
Equifax hack on X/X/2017. Credit report and all personal information was leaked. Completely unacceptable. Ca n't sign into Equifax to freeze or look into credit report at all to determine fraud.
Loan holder : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX # XXXX Complaint against : XXXX XXXX XXXX XXXX In XX/XX/XXXX I entered into a student loan consolidation contract with them. On XX/XX/XXXX {$130.00} was paid and on XX/XX/XXXX {$130.00} was paid. The third payment was kicked back for insufficient funds. I attempted to contact XXXX XXXX XXXX XXXX to arrange for correction of this issue and never was contacted back. The number I was given to call them had a blank answering machine. With no return of my calls. E-mail 's were kicked back as not a valid address. I was never contacted back by them in any way. 

This month, I discovered, XXXX XXXX XXXX XXXX had no contact with the company holding my loan and no funds went to the balance. I have still not been able to get anyone from XXXX XXXX XXXX to contact me back. I was apprehensive to go forward with any other consolidation of my loan because I was unsure if I would be breaking my contract with them. 

XXXX XXXX XXXX was the company I was paying XXXX XXXX lXXXX XXXX through. I was able to contact them. XXXX XXXX XXXX no longer deals with XXXX XXXX XXXX and was unable to provide me a date when this severance of service occurred. I was provided with the same contact number I had left messages on several times # XXXX and an e-mail of XXXX. Previously I was contacting e-mail XXXX, which is no longer active. There e-mails also had XXXX Consolidation Department, XXXX. XXXX XXXX, XXXX, PA XXXX XXXX as an address. 
No one has answered me back from either of these contact points. 

The loss of the {$260.00} was nothing compared to finding out I couldnt purchase a home because my student loan was in default. This should never happen to anyone! 

I have the form that I signed concerning the loan and it looks very genuine. Please contact me if any further information is needed as I am very concerned with uploading documents with personal information.
I finally got InTouch with them and paid them in full. Now they refused to give me a letter or remove the debt off my credit report. Even send me a letter stating that I have paid the balance. They are unwilling to remove the item from my report. They are not in agreeance to delete it from my report. It's been over 40 days that it has been paid.
On XX/XX/18, we suffered significant flood damage as a result of a defective toilet. After handling the claim with our insurance company, we endorsed a claim check over to Pennymac on XX/XX/18. They required that a significant number of documents be completed before any funds would be distributed to our contractor ( XXXX ) for repairs/restoration. Although we understand the need to assure that contractor is reputable and work is completed in a satisfactory manner, PennyMac sat on the funds, claiming that we had not provided the contractor 's bonding information and their contractors license. They were told multiple times that the Certificate of Insurance was sufficient, and bonding was only required for commercial contracts. We also told them multiple times that Texas does not issue contractors licenses for residential work ... only for work involving government entities. Finally, on XX/XX/18, a check was issued to us. We were having to live out of boxes, confined to one room in the house, with no furniture. We requested final inspection for completion of all repairs on XX/XX/18. After multiple follow-ups, an inspection was finally completed and the final inspection was approved on XX/XX/18. Their website indicates that funds are sent within 6 business days of final approval. I called on XX/XX/18 to request status of the final funds payment, and was told that the 6 day period does not include a process for reviewing the final check and cutting the check. They indicated that the check had been requested and would be mailed to us within 3 business days. Today, XX/XX/18, we still do not have the final check so that we can pay the remaining funds to the contractor. I have also had repeat problems in the past with inaccurate escrow computations ( and overpayments to taxing authorities ). PennyMac is terrible. Also, I believe that they engage in the behavior they have engaged in with the claims payment process so that they can " float '' on the funds for as long as possible before issuing payments. Please investigate these folks. There are numerous complaints regarding PennyMac.
On XX/XX/XXXX I withdrew XXXX Bitcoin from my BTC wallet on XXXX to a generated wallet in my account on XXXX. About 10 minutes prior to this transfer I withdrew XXXX Bitcoin to the same XXXX account and the transfer went through quickly and without incident. However the XXXX Bitcoin never showed up in my XXXX account. I received several automated emails from coinbase, the company that runs XXXX, stating that my deposit completed successfully, however the bitcoin was never deposited into my XXXX wallet. I have sent coinbase customer support two emails and have received no response. I have looked online for other people experiencing this issue and it has happened to many people, getting the exact same emails when transferring from coinbase to XXXX and not having their deposits show up, even when they show as completed on coinbase. People have had their deposits in limbo for almost 3 weeks now and coinbase customer support can take months to reply. This is n't right, this is Coinbase 's fault and they need to take responsibility for it.
Xoom.com would not send my money to friend without me sending them my bank statement and a copy of my license. This would be normal, however they wanted it through unsecure email. Also, I was using my XXXX account ( already verified with XXXX ) to send the money so it raised all kinds of flags as their website says Xoom, a XXXX XXXX.
Citi Bank has a program called XXXX rewind where if within 90 days you find the same item at a cheaper price they refund you the difference. On XX/XX/XXXX I bought a leather recliner at my local XXXX for XXXX plus tax and went back on XX/XX/XXXX and purchased another. About 2 weeks later the items were decreased in price to XXXX and thats when I began the rewind process to be refunded the items. I sent what they required which was the receipt, the statement with items on it and sent a photo of the item on sale at the store, per information received from XXXX customer service agent. They can pull the recorded call from that day to confirm. The 1st submission from XX/XX/XXXX was approved and refunded but the second they said that the photo taken is unacceptable. So why was the first approved? Is it the customer mistake that he was give incorrect instructions on how to proceed with opening this claim? This has been going on for 6 weeks now and I am tired on getting the run around about the matter. As a loyal XXXX customer I would think there would be more consideration especially because we were told to to it this way, and now, 6 weeks later they say they need other proof, how!!????? If the product is no longer available????? I strongly request the call be pulled and listened to confirming what I am saying. XXXX  as a reputable company as XXXX is I would expect a refund as we requested and no more excuses of what the customer did wrong since I was instructed to provide a Photo of the product! Thank you for your attention to our respectful request.
PLEASE FIND ATTACHED LETTER I WROTE TO THE MORTGAGE COMPANY THAT I USED TO BE WITH AND PAY PAYMENTS. THEY ARE REPORTING LATE PAYMENT, I WAS XXXX TO XXXX BACK THEN AND MY PARENTS MADE A MISTAKE AND ONLY ONE PAYMENT WAS NOT SENT ONETIME. 
I TRIED TO CALL THE MTG CO. BUT THEY ARE NOT IN BUSINESS ANYMORE AND ASKED TO LEAVE A MASSAGE. I HAVE NEVER RECEIVED ANY CALLS BACK TO RESOLVE THIS ISSUE. 
PLEASE HELP ME TO REMOVE THIS NEGATIVE MARK FROM MY CREDIT REPORT I NEED TO REFINANCE THIS HOUSE. 
MY RECORD IS SPOTLESS EXCEPT THAT TINY TIME WHICH I WAS NOT AROUND. 
APPRECITAED
XXXX XXXX, I disputed inaccuracies with the 3 Credit Bureaus, Transunion, XXXX, and XXXX, asking for validation of debt, upon the XXXX- day response limitation, the collection agency XXXX XXXX XXXX XXXX XXXX. sent a copy of my medical records, with a diagnosis of my injuries. I disputed with the 3 credit bureaus with a copy of the letter sent by the collection agency with a letter stating my HIPPA rights had been violated. The 3 credit bureaus did not respond. A letter dated XXXX XXXX, XXXX, was received of validation, from the collection agency XXXX and XXXX, XXXX. with another copy of my hospital visit with the diagnosis and also with the type of medication and dosage I was prescribed, and asking for a check.
On XXXX/XXXX/2014, I requested a wire transfer from my savings/brokerage account at XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX, to my Ally Bank, XXXX. XXXX XXXX, XXXX XXXX, PA XXXX individual checking account in the amount of {$3000.00}. The funds were drafted and I was charged a wire transfer fee of {$25.00} on the same day. The wire reference number was XXXX. I confirmed the XXXX and routing number to be the correct values with both institutions. XXXX claims that the funds were accepted, Ally Bank claims that they never received them. XXXX claims that they can not recall funds after they have been sent, Ally claims that they can not credit funds without a wire transfer receipt. I am at the end of my rope, and would appreciate any guidance that you could provide.
XXXX  has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX  have both completed their research and determined that XXXX XXXX XXXX XXXX was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
I am and have been an XXXX customer for more than 17 years. Last Monday, I called to ADD a new service at a 2nd address and was told I was not required to pay a deposit. On Tuesday I received an email saying I needed to call about my order. I called and was told because of my low credit score I had to pay {$50.00}. I have a credit score over XXXX and told her that was ludicrous but did n't have time to argue and paid the {$50.00}. On Friday I arrived at the property expecting a modem for the wireless service I ordered on Monday. Not only did I not have the equipment but I had a letter stating that I had a credit score of XXXX according to SageStream LLC. I paid XXXX for my credit score and its over XXXX. Clearly SageStream is illegally reporting credit scores and also violating federal law by not giving me a REASON for such score. 

I have called XXXX and SageStream with zero luck getting anywhere. 

SageStream told me they gave me a XXXX based on data from the last 3 years. I have not opened any new credit accounts in the last 3 years. I have ZERO debt except an XXXX XXXX XXXX that I 'm paying the balance in full each month. 

SageStream refuses to give XXXX any reason for this low score and its causing a lot of issues for me. 

I 've filed a complaint with the Georgia Public Commission because XXXX refuses to help me resolve this and I 've filing this report today because SageStream is falsely reporting a credit score that is not accurate
I terminated my service with XXXX in XXXX 2015 due to dissatisfaction with their billing. They sold me a digital receiver and offered a refund when the analog receiver being replaced was returned. Never received the box to return the old receiver, and when called, they denied agreeing to the refund. I had verbally agreed to extend my contract for two years. So I cancelled my service. I got a " termination fee '' bill of {$380.00}. I was aware of XXXX Revised Statute 44-101 ( 5 ) which states that a verbal agreement not to be performed within one year is unenforceable. Since I never signed the agreement, I wrote to XXXX on XXXX XXXX, 2015 advising them of the statute and the unenforceability. Then I began receiving robo-calls from Focus Receivable Management in XXXX ( XXXX ) asking me to call them. I did receive three calls from employees, and I refused to discuss my personal business with an unknown party. I told them I would respond to a written letter, but not to a phone call. I have yet to receive a phone call, and I only guess the location of the company based on a XXXX search. I realize under federal law ( Fair Debt Collection Practices Act ) I can only stop the phone calls by written notice, but I have no location info to send such a letter. Please help me stop this harassment.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : The following addresses are reporting incorrectly and must be removed immediately XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX The correct address is XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX The following inquiry needs to be removed immediately : Creditor Name : XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, NY XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Real Estate on behalf of XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Auto loan on behalf of XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 



Thanks XXXX XXXX
This company is trying to say they have a loan on my house. Ocwen personal and confidential : XXXX XXXX, XXXX XXXX PA XXXX. My loan was written off by Litton Loan ... and there is a class action Lawsuit against them. Ocwen is now on my credit report ... starting from the time they say there loan started This is my second report. They also have class action lawsuits against them. Please help!!
For the past 6 months, XXXX XXXX has IGNORED all of my validation of debt letters sent to them, and have NOT sent me any of the specific documents that I have requested each time to be sent to me. They are reporting false information to the credit bureaus, stating that the account information is accurate, even though they have not sent me any of the specific documents that I have requested in all of my letters under my FDCPA rights.
I have written several certified letters asking Northland Groups client XXXX XXXX for verification pursuant to the Fair Debt Collection Practices Act including but not limited to Section 807-8. I also asked for verification of the debt that is competent evidence bearing my signature, showing I have ( or have ever had ) a contractual obligation with Northland Group and or their client XXXX XXXX XXXX  XXXX. Both parties are in violation of the FDCPA ; therefore since they have not validated the debt, it must be deleted from all credit reporting agencies immediately. A billing statement does not constitute validation of the account. I've written XXXX since 2017 and they have now sent me to Northland group for {$960.00}.
I ended up getting my XX/XX/2016 taxes compromised because they said my loans were in default status. The school closed and I was no longer responsible for the remaining debt on the account. Their has been an ongoing investigation for over a year and 2 months and my credit score is being effected because of it. US department of edu. is  showing a balance of {$3500.00}, and {$2100.00} when in fact I am not responsible for that. I would also like this and fed loan servicing taken off my credit report as those are both hurting my credit very badly.
Many accounts transfer to another company, I been trying to delete all these account from my credit report and havent get results, the accounts are very old and I need to make correction to my credit report.
I do not have a signed contract nor any contract with TransWorld Systems. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX XXXX. I am not responsible for this debt with TransWorld Systems. Also per State of Florida Office of Financial Regulator you must be licensed and bonded in the state of Florida to collect. Please see attachment showing this company is not licensed nor bonded in Florida.
XXXX XXXX XXXX/ Account # XXXX $ XXXX is reporting in my credit reports Equifax \ XXXX \ XXXX as mine wrongly with a late paid and this account ise n't mine, it was prove that my account was XXXX XXXX XXXX XXXX ( account # XXXX*Good Standing $ XXXX ), when i file the problem they deleted My account and left this other account in my reports. This is a violation and defamation of my credit report. 
Please have this account removed.
I have numerous errors showing on my credit report. After reviewing it I sent Transunion a letter asking them to investigate these glaring errors on XXXX/XXXX/15. I yet to receive anything from them. Also I read that Transunion has been sued recently for the same issue. I plan on doing the same very soon if they do not fix their errors.
None of the aboveMy complaint is that the CFPB Is eliminating my access to credit with its ridicules rules and in the case of XXXX XXXX XXXX, illegal actions against the industry. I can read, I know the law. I 'm a grown up. I can make my own decisions. Leave me and the industry alone.
I have been involved in a dispute with PayPal for three months. I sold an XXXX XXXX ( XXXX ) on XXXX on XX/XX/XXXX. My listing for the sale on XXXX was XXXX. The criteria for the sale is the phone must be fully functional, clean ESN, ready for activation, no water damage or cracked screen. XXXX verifies that the phone is ready for activation even before the listing goes public for sale. My buyer is claiming the item is not as received. There are seven photos of the item on XXXX clearly showing the item at every angle. Buyer received what was advertised and XXXX clearly states the seller does not accept returns. These are the facts of the case. Every time I call PayPal they refuse to hear my side and only listen to what the buyer is saying. PayPal made a final decision on XX/XX/XXXX in favor of the buyer. I need all the help I can in getting this matter resolved.