WillisBack/dataset-financial-user-claim huggingface dataset:
I was victim of fraud due to some fraud activity which has happened through ( XXXX ) online, due to the mistake of Bank ( Bank of America ) my report has been generated in XXXX and my checking account has been closed. 

I am explaining the background of the issue along with all supporting documents and let me if you require additional details. 

Back ground of Issue : On XXXX/XXXX/2016, I have received a letter along with check of {$1700.00} from XXXX to do some customer survey on XXXX XXXX and XXXX XXXX money transfer services. 
On the same day I deposited the same check into my Checking account from Bank of America ( Account # : XXXX XXXX ) and it will clearly showing that check has been deposited on XX/XX/XXXX. The next day bank has put this particular check on hold and its clearly mentioned it will get approved on XXXX/XXXX/2016 i.e. 10 days. 

On XX/XX/XXXX bank has approved this transaction and funds were available {$1700.00} in my account, so on the same day I withdrew money of {$1500.00} and did the customer survey as they have mentioned in the letter. 

I also attached the copies of receipts for the money transfer I have done through XXXX and XXXX XXXX on XX/XX/XXXX. 

After 45 days I received a letter from Bank of America, stating that this particular check which has mentioned above was not paid and returned back and asking me to pay the money of {$1700.00}. Then i visited the local Bank of America branch with the letter and explained my situation and they accepted their mistake since they have approved check after 10 days of hold, however they told they cant do anything except charging the money to customer. 

After 2 months they submitted the report to all agencies like XXXX and XXXX which results to closing my checking account and denying to opening new account with any other banks. 

Last month I requested report from XXXX and XXXX, now i am requesting with all the above explanation to remove my report and allow me to open a bank account. 
It is totally because of banks fault, they have made funds available after the 10 days hold on this particular check, so I thought it was a valid and check and withdrew money. If the bank was n't approve the money after 10 days of check verification, I would n't have transferred money to other parties. Other than that I did n't do any fraud or cheat in any aspects. 
Finally what I wanted to convey you is I am not a fraud and did n't commit any fraud activities, I was a victim of fraud that too due to banks mistake and some strange persons cheating. 
Please consider this, and remove report from XXXX and XXXX as i was suffering from fraud activity and being without bank account more than one and half month ( my salary also in pending since i dont have bank account ) that too i did n't do anything intentionally to cheat bank or any other financial institute. 
All the supporting documents will be provided, if required. 
Appreciate your support in this regard Thanks in Advance, XXXX XXXX ( XXXX )
I am currently in Chapter  XXXX  Bankruptcy repayment, so I am not required to make payments on my student loan. My loan is serviced by  Educational Credit Management Corporation  ( ecmc.org, ECMC ). I can, however, make voluntary repayments, which I have been doing for a number of months in order to avoid interested being capitalized back into the principal of my loan.     On the  ECMC  website, when you select to make a voluntary payment it tells you how much interest per day is due on your loan account.  One  can not decide to pay one loan or other, a single payment for your account with ECMC must be made. What is not made clear is that this amount is  PER  loan. This is very misleading and led to me not making the correct payment ; I was underpaying by 50 % when I thought I was paying the correct amount to avoid interest capitalization.      One  must look elsewhere on their website ( and really dig to find it ) in order to discover that the amount on the voluntary payment page - where most people are looking for this information so that they can make the right payment - is in fact PER loan, not a total amount for your entire account with ECMC.
I have an Amazon, Care Credit account and Walmart ( which is paid off ) and when I opened these accounts GE was the holder and it looks like the accounts were sold to Synchrony Bank. Synchrony Bank 's horrible practices have to STOP! Each time I make a payment, the credit limit is dropped below the minimum balance due and then charged an over the limit fee of {$38.00}. I would also be charged the interest rate and before I know it my monthly payment is extremely high. I am including both Care Credit and Amazon payments. I want to be refunded each time they charged me the overlimit charge and for late fee for all three accounts. Please look at the interest rate they are charging. for Care Credit, the annual APR is 26.99 %!! This is just XXXX and it needs to stop. And please do n't take forever to investigage. This needs to be resolved NOW and if you read any of the blogs about this company, a ton of people are complaining about their practices so please do something about them!!! Thank you.
The aforementioned credit agency representing  XXXX  has violated the FCRA by not providing documents to me in regards to this debt I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from all my credit files :  XXXX ,  XXXX , and  XXXX . The business is required to disclose to me all the documents that they have recorded and retained in their files that pertain to this debt. If Convergent Outsourcing does not have any documentation, they need to remove this from my credit file immediately.
I submitted a dispute to XXXX  for the account XXXX XXXX XXXX XXXX XXXX that is outdated and DATE OF LAST DELINQUENCY WAS XX/XX/XXXX WHICH WHEN ACCOUNT WHEN 30 DAYS LATE THEN LEAD UP TO CHARGE OFF IN BANKRUPTCY. It was sold to a collection agency and is now over 7 years old. XXXX  and XXXX XXXX both deleted the account. Experian failed to remove item after providing sufficient information showing inccuracy, they then reaged the activity date and still are reporting the account. I supplied the original creditors reporting on credit which showed the XX/XX/XXXX date. This account per the FCRA needs to be deleted as no activity has been made on collection account such as payments or validation. The company is XXXX XXXX XXXX and the original creditor is XXXX XXXX XXXX. I am attaching original creditor reporting before it was deleted. 

Also XXXX XXXX is reporting several 30 day late pays on all 3 bureaus however i attempted to pay all on time but XXXX XXXX blocked online payment access, has not processed any bill pay payments submitted and will not return my phone calls and hangs up on me when i try to call to make payment. Complaints also have been filed against the company. There are many others who are experiencing the same issues with this company and i also have a pending complaint with the CFPB REGARDING THIS MATTER! See attached documents regarding this account and issues i experienced.
I called Specialized Loan Servicing , LLC in XXXX about a Forebearance Plan. My Mother was placed in hospice care, in house, in XXXX and I am her primary caregiver. My income was compromised with my need to be home with Mom. A Forebearance plan would allow me to retain the house as long as Mom needs it. SLS sent me the paperwork to apply for a Forebearance plan which I promptly filled out and sent back. About a month later I received a robo-call that they needed to speak to me. When I called I was told that they needed more documentation which I emailed to them that day. A few weeks later I received another robo-call. I called back and was told they needed more documentation, the same ones I emailed earlier. I sent the information again. Last week I received yet another robo-call. I called back XXXX XXXX and talked to XXXX. She said that they needed the mortgage information on a house we rent for summer rentals and rental agreements for next summer. I told her there was no mortgage on that property and that we had as yet to get any rentals for next summer. She said that I had to prove that there was no mortgage. I asked her how she thought I could prove a negative, that my grandfather had bought the property in XXXX for cash. She said I needed to go to the 'County Office ' to get a HUD certificate. Now, HUD was n't created until XXXX and the certificate XXXX was talking about was n't enacted until XXXX. When I told her that no HUD certificates are recorded at the Registry of Deeds and that there was no way to get any certificate since it did n't exist, she said that my application would remain " pending '' until I could produce it. A Forebearance plan does n't change the mortgage except to move the end date. Technically, they should even need this information. 
So, this means they have no intention of giving me a Forebearance plan since they obviously have no intention of processing my application. This is not an isolated case. On the website XXXX there are a number of similar cases resulting in foreclosure before the modification files are closed. 
We bought the house in XXXX, XXXX, not with SLS, with the plan to sell a condo and pay down the mortgage to {$80000.00}. Due to the mortgage crisis and recession we were unable to sell the condo for two years at a loss. We paid down the mortgage but not to the figure we planned for. We 've been making our payments faithfully to the detriment of savings and retirement accounts. We have come to the point of no longer being able to do this. 


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Discover gives one the option of a balance transfer. However, they fail to make available in writing the current balance owed on the balance transfer as well as the date the promotional APR expires on that balance. I called Discover XXXX XXXX and asked to be provided with this information in writing, either via US mail or via an email. I was told this was not possible ; they provided the information verbally, but I wished to have it in writing so I had solid evidence in case their phone agent told me incorrect information. ( This information is also not available throuogh my Discover account : I can see the total I owe, but it is not broken down so I see a clear balance owed that is associated with each date that the promotional APR expires, and this detail information is what people need to be sure they pay their balance off before the promotional APR expires. After 20 minutes of being on the phone, sitting on hold while being transferred to a supervisor, and talking to that supervisor, I asked whether they could provide this information via their " secure mail '' option that is attached to one 's Discover account. Amazingly, it did n't occur to Discover employees to suggest this option. I was then transferred to yet another person and after another 10 minutes on the phone including several minutes on hold ( during which I sent a secure message asking for this information ), I was told that he could not respond to that inquiry ( or indeed, access the information about my balance transfer. He did assure me I would receive a response within about 24 hours. It is now 4 days later, and I still do not have a response to my inquiry. I just resent the inquiry. 

Discover is failing to provide consumers with balance information that is necessary to pay one 's balance in a timely manner. In the case of balance transfers with promotional APRs, Discover needs to clearly state the current balance and the day the promotional APR expires. They are not doing this.
I have been disputing information with Transunion for months. I filed many complaints stating Transunion was violating the FCRA and the same employee XXXX XXXX responds saying the information is accurate. I contacted one of the companies and they said they closed the account and submitted the information to be deleted by Transunion. The last complaint was filed on XX/XX/18
I 'm a vimtiam of identity theft and someone try opening account in my name XXXX XXXX, XXXX XXXX/XXXX/2016 and XXXX XXXX XXXX/XXXX/2016
Wells Fargo opened an UNauthorized credit card account for my son. He had just turned XXXX years old, was a XXXX and had no job, instead took care of his sick father. He was not financially capable of repaying this nor did he have any kind of financial literacy regarding credit. This was in XX/XX/XXXX. I was not aware of any of this until he had a balance charged off. XX/XX/XXXX I sent Wells Fargo a letter stating that issuing my son a credit card was in violation of The Credit Card Accountability, Responsibility, and Disclosure Act of XX/XX/XXXX which states numerous criteria but one of which is that a parent must co-sign which I 'd NEVER do. I 've asked them to remove this from his credit report based off of the this, but they did not comply. XX/XX/XXXX, my son was approved to attend XXXX University which only XXXX applicants get accepted per year. His credit report was pulled, the Wells Fargo charge off appeared and they denied him admittance until this issue is resolved. Wells Fargo has a history of this type of behavior which I feel is predatory. Please assist me in getting this resolved immediately.
I am refinancing my mortgage and the current servicer ( Citi Mortgage ) is charging me {$75.00} for the payoff statement. I think this is wrong and above the limit allowed. Can you please look into this malpractice? 
Thanks
Hello, XXXX XXXX, XXXX I received a mailing from my local bank that I have had an account with for XXXX and a half years. There was an application for a " Pre Approved Credit Card '' in bold letters.I thought that because it was my local bank I would fill it out and send it in. I found out later that a hard inquiry showed up on my credit report. I called my bank and found that it was actually a credit card company that has a business relationship with my bank. I was also declined for the card. 
The issue is that between XXXX and XXXX my credit score suffered because of the loss of my business and my difficulty at finding a job at XXXX years of age. Prior to that I had great credit and since then I have worked hard to improve my rating. 
I do n't think this company should advertise for " Pre Approved Products " that are not actually pre approved, especially through my local bank that I was led to believe the application came from. I contacted my bank and they were sorry for the misunderstanding but there was nothing they could do because it was a different company entirely.
I have disputed the late payments on this XXXX  XXXX account for months. XXXX  and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX  on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
I am in the process of buying a new car, calling around various dealerships and getting price quotes. Throughout the day yesterday, I spoke on the phone to XXXX XXXX, salesman at XXXX XXXX in XXXX, Illinois. I explained to him, in no uncertain terms, that I am looking for an out-the-door price on a 2019 XXXX XXXX XXXX XXXX. I explicitly stated that I will not be financing through Nissan so DO NOT include any rebates or special offers that are dependent on financing. He indicated that he understood and said he would call back after speaking to his sales manager. He called a few minutes later with a price quote of {$23000.00}. I asked for repeated confirmation that this was the car I was looking for, that the price includes all fees/taxes/registration/etc., and that he understood that I would absolutely NOT be financing through Nissan. HE thought my persistent need for confirmation to be amusing and assured me that he is honest, straightforward, and was not going to give me the runaround.

Low and behold, I arrive at XXXX XXXX a few hours later and it goes something like this : XXXX : Sorry, the price I gave you is only if you finance through Nissan. 
Me : XXXX I told you a thousand times that I would NOT be financing. 
XXXX : Yeah, I know, my bad. It will actually be {$1500.00} more if you're not financing. 

I understand that car salesmen have a reputation for being XXXX but this is getting into very deceptive territory. If you are and entity selling a product ( cars ) AND financing, and a customer calls asking for only the product, it is dishonest, deceptive, and outright XXXX to lure them in with a price that you know you will not sell for. I gave XXXX every opportunity and all the information he needed to give me an accurate price and he chose not to. It is possible to negotiate without being outright dishonest but it looks like this isn't a principle that Nissan holds its employees to.
This Company ... Shell Point Mortgage Business telephone Number ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, S.C. XXXX Has been calling Our home telephone number for at least " THREE MONTHS NOW! '' Each time They've call ... They " Block Their Number '' ... so it's only showing up as a ... '' Private Number ''. They have NEVER left a message and there has never been any written communications sent to Our address via U.S.Mail. 

Today, ( XX/XX/2018 ) ... We received another call ... ( Blocked Number ... showing Private ) ... and this time, We answered the call. We spoke with a Representative from the Company named XXXX XXXX. Representative XXXX stated that She was trying to reach " XXXX XXXX ''. We advised this Representative that there was no one by that name that lives here. We further informed this Representative that ... '' XXXX XXXX '' ... was " An Ex '' ... She lives in another state and We had nothing to do with Her debt. We asked that The Company remove Our Telephone information from their system. We ask that these collections calls cease. When We asked for the Corporate Business Telephone and address, We were not provided with this information. The only number given was this ( XXXX ) XXXX. We believe that this Company received Our personal information by " Skip Tracing '' ... HOWEVER ... Their Information is INCORRECT and We want this telephone harassment to end. Please Help Stop This Madness. Thank You.
In 2012 I filed for bankruptcy starting with a chapter XXXX then moving to chapter XXXX. Attempted to work with Bank of America ( BofA ) to modify my loan on my own and they denied me 6 times. I final went to a local company here in XXXX, Ca. I worked with XXXX XXXX ; she filled out the paperwork and I finally got approved for modification. After returning the modification paperwork and 6 months to 1 year of making the trial payments BofA finally place me back in a normal status. Some months later I noticed my mortgage wasn't on my credit report, I promptly called BofA and was told by their Mortgage Lending Department that they were obligated to report because I didn't fill out and sign a form guaranteeing my loan. I told them that wasn't fair because I signed EVERYTHING they sent. They responded by telling me I could refinance the house and then and only then would they provide me with the document necessary obligating them to report my mortgage.
A certified letter was received by Equifax on XX/XX/XXXX on my behalf requesting 100 % accurate verification in accordance with the Fair Credit Reporting Act, section 609, 611. Equifax failed to provide proper validation for the following accounts, XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX/XXXX # XXXX, XXXX XXXX XXXX # XXXX. Equifax processed my investigation electronically or through the XXXX verification process and didn't provide any original documentation obligating me the accounts listed above. Equifax is in violation of the Fair Credit Reporting Act and should immediately remove the accounts in question from my Equifax Credit Report. More than 30 days has passed and yet 100 % accurate verification has been provided on Equifax Consumer Reporting agency.
I have a student loan with Navient with automatic debit. A few months ago I opened a new checking account and updated the information on their website. My profile states that my auto pay account is the new account provided ; however, the previous XXXX months Navient withdrew the funds from the old account resulting in two {$35.00} overdraft charges on the old account. After a phone call with customer service, I discovered that I needed to go to their " old '' site to make the changes. None of this was noted in the website I was directed to and seeing how my profile listed my new bank account number as my auto pay account I assumed that this was the account that was going to be debited. Navient needs to properly update their online system to reflect how this change needs to occur and reimburse me the fees charged. The school I attended was XXXX in XXXX.
Deposited into my account a check on XX/XX/19. Bank has placed a hold on funds without providing sufficient reason and one not covered by Regulation CC.
I had an account with XXXX XXXX that went to AFNI collection agency. The original debt was for {$470.00}. I settled the debt with AFNI for {$230.00}. On XXXX XXXX, 2015, when I settled, I paid half of the settlement which was {$110.00}. It was n't until recently when I went to pay the settlement off that AFNI sent the collection BACK to XXXX XXXX on XXXX XXXX, 2015. AFNI told me to call XXXX to conduct any business/payments regarding the account. I called XXXX, they referred me back to AFNI. I went back & forth several times with both companies because AFNI said they could not do anything on the account because they no longer had the account. XXXX told me that AFNI never notated the account properly, so they do n't have any record of any settlement. They only have the original balance of {$470.00}, minus the {$110.00} payment that I made. So XXXX wants me to pay {$350.00} to pay off the account instead of the settlement amount that should have been documented by AFNI.
Had a mortgage with Ocwen Loan Servicing. Refinanced loan, payoff was for more that owed on loan. Refund seems to be {$800.00} to {$1000.00} less than it should be. Ocwen will not give me an accounting of check amount. They are non responsive, called and emailed XXXX times with not response. 
XXXX XXXX XXXX
My Bank started and Escrow account for me in XX/XX/XXXX, for home owners insurance {$1300.00} and Property Taxes for {$5000.00} totaling {$6400.00}. 

My mortgage payments were {$520.00} per month, my Bank is charging me {$1000.00} per month I have being paying every month and only missed 1 payment however to correct that problem I made 2 payments in one month.. 


I also told my Bank in XX/XX/XXXX that I wanted to reduce my payments to my original amount of {$520.00} and if they would please give me the amount that I can pay now so I can go back to my normal payment. 

I being asking several times and even faxed my request to the fax number they have for assistance on mortgage, they have not responded to me at all, I being asking every month the last 3 months on the phone when making my payments. 

Is like they don't want me to stop making those big payments, as far as I am concern that most be illegal from an institution like a XXXX XXXX. 

I would appreciate any help or advise from your group. 

Sincerely
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XXXX & XX/XX/XXXX and 30 days late as of XX/XX/XXXX. I am not sure how this happened. I have always paid on time and never been late. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me