WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/18 I sent a notarized written request through certified mail for an unverified account that was showing on my credit report with XXXX XXXX through Transunion XXXX. In this request I asked that they either send me ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA -or- to promptly delete all information which can not be verified> I was sent a response dated XX/XX/18 saying VERIFIED AS ACCURATE. ON XX/XX/18 I sent another request and this time asking who verified it? On XX/XX/18 I received the same response ( VERIFIED AS ACCURATE ) ON XX/XX/18 I sent a NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 provided that they are unable to verify the account or promptly remove it to XXXX  XXXX and yet again received a VERIFIED AS ACCURATE letter again on XX/XX/18. On XX/XX/18 I sent a certified letter directly to XXXX XXXX asking that they validate money I allegedly owed, how said debt was calculated, copies of any paperwork that showed I agreed to pay debt, provide a verification or copy of judgement if applicable, Identify original creditor, prove statute of limitations has not expired, etc ... I never received anything back from them. On XX/XX/18 I sent out another letter to XXXX XXXX stating that I had given them 30 days to resolve this matter and would extend for another 15 days otherwise I was filing suit against them for monetary damages. I sent a letter to XXXX XXXXXXXX stating that because this was a clear case of unverified debt that I would also file suit and report this matter.
Identity theft, known per local XXXX report XXXX XXXX. XXXX continue to get unauthorized charges to XXXX XXXX XXXX card for XXXX XXXX, XXXX and XXXX XXXX. I do not have these accounts. I never authorized. 

I contact XXXX XXXX and they blame me or my XXXX XXXX XXXX son. This has to stop. 

XXXX XXXX says they put fraud alert but to block I have to call the number on the back of every new card I get from them and it never happens. I tell the police and get report numbers. I have XXXX XXXX account statements. 

I do not have XXXX XXXX, XXXX or XXXX XXXX XXXX accounts. Ca n't get through to block these unauthorized charges to my XXXX card so I closed it. 

I closed the XXXX XXXX account yesterday due to their incompetence. XXXX XXXX had ID theft name and address for XXXX years without telling me until XXXX via XXXX report.
XXXX XXXX, 2017 - Remitly continued to process an unauthorized transaction. I requested my remittance to be cancelled instead and not proceed because I can not provide them with the additional ID that they are requesting from me. In fact during the transaction, Remitly suddenly put a review/hold on my remittance. They also sent me an email saying that there 's a hold on my transaction. The email said that they need some additional documents from me before they can move on forward with the remittance. So, I told the rep that I do not want to proceed anymore. I did not provide them with any other documents that they requested so I told the rep to just cancel the transaction instead. To my surprise, Remitly still processed {$160.00} out of my bank account even when I told them I want to cancel my remittance. Another thing also is that they still charged my bank account even when there is a hold on the remittance due to the pending review that they are doing. Honestly, I feel cheated, mis-informed and was taken advantaged of, most especially when I suddenly received a notification from Remitly saying that the money was already delivered to the recipient. Basically, Remitly delivered the money to the recipient without my consent. Remitly did not cancel my transaction even when I told the representative to do so. Remitly proceeded with the remittance without my approval and authorization. Now, the Remitly manager that I spoke with repeatedly told me that they can not do anything about it since it 's been delivered already to the recipient eventhough I never authorized Remitly to proceed with the transaction.
MY CREDIT CARDS WITH CAPITAL ARE RESTRICTED DO TO NO PAYMENTS MADE, I HAVE NOW PAID THEM CURRENT OR PAID THEM TO XXXX AND THEY REMAIN RESTRICTED. AND THEY DO NOT WANT TO TELL ME HOW I CAN GET THEM RESTRICTED OR IF THEY WILL CLOSE, ALL THEY SAY IS THAT THE SYSTEM WILL DETERMINE WHAT WILL HAPPEN TO THE CARDS. I DONT WANT TO CLOSE THEM SINCE IT WILL DAMAGE MY CREDIT MORE THEN IT ALREADY IS, I MADE THE DRASTIC PAYMENT AMOUNTS SO THAT I CAN USE THEM TO HELP ME REBUILD MY CREDIT. BUT IF THEY ARE GOING TO CLOSE THEM, THEN THEY SHOULD DISCLOSE THAT NOW SO I CAN DETERMINE WHAT I NEED TO DO.
I have paid my son 's all bills at XXXX XXXX XXXX, medicine or doctor 's bill. I contact the customer service at XXXX ( XXXXXXXXXXXX ) to double check and they confirmed that I owe them NOTHING. There is this collection company " Nationwide Credit Corporation '' keep harassing me to collect some medical bills from me. Absolutely outrageous and fraud! The account number they have for me is XXXX and the reference is XXXX. Their address is NCC, XXXX XXXX XXXX, XXXX, VA XXXX. Please tell them to stop harassing people, I am very aware of my billings but there are people who get afraid when they see collection. This needs to stop and there should be strict regulations for collection agencies.
I have my home loan with Caliber Home Loans. They placed Lender Insurance on my property without advising me. I already had home owners insurance with XXXX XXXX. They changed my monthly mortgage payment without advising me because of this insurance they placed on the property. They stopped applying my payments, which were set up on automatic payment, because of this increase. They were however cashing the checks but they were not applying the payments to my account. I called to complain after receiving notifications of a pending 30 day late. I sent in proof of insurance at that time. They advised after reviewing the insurance that they would start applying the payments but that I still owed them {$1100.00} for the insurance they placed on the property without my knowledge. They said they mailed me a letter, which I never received. They have my email address and my phone number but they did not utilize either ; only mail.
I went to SoFi web page to see what rates would be for a refinance of my student loans. The website is confusing and directed me to enter my name, address, zip code, phone number, DOB, citizenship, home ownership, school info, employment info and current student loan information. In hindsight outside requesting my social security number ( they did not and this was not provided ) this was an application for credit. Why must we fill out an application for credit to obtain rates for a refinance. 
When I hit enter on the web site or as they wrote " submit to see my rate '' I was declined. I then received a form letter ( digital ) stating " After carefully reviewing your application, we are sorry to advise you that we can not grant a loan to you at this time. If you would like a statement of specific reasons why your application was denied, please contact our SoFi XXXX XXXX XXXX within 60 days of the date of this letter. We will provide you with the statement of reasons within 30 days after receiving your request. 
I phoned SoFi to figure out what was going on and explain I did not request credit from them, I only wanted rates. I was told that they pull a " soft '' inquiry on my credit and based on that I was declined. Ok .... It did not seem to me that I was granting them the ability to " soft '' check my credit or that I was applying for credit .... I just wanted rates. 
In my humble 15 years as a Consumer Underwriter and Manager for a XXXX bank that must adhere to all the CFPB requirements, that this was a very deceitful tactics to create an application and render an unwanted credit decision, good or bad. The Website is very misleading and very upsetting to me as a consumer that to find rates I must first be run through a credit check? I understand rates change with credit scores, however they should be published for the viewing public?
My loan servicer was transferred from XXXX XXXX to PNC Mortgage. 
With XXXX I was able to make month-to-month payments online using my checking account. PNC provides that option but with a {$7.00} service fee. They do n't charge the same fee to pay online if I set it up to withdraw from the account on a scheduled day every month, even though it would come from the same account. 
My thoughts is that this " automatic '' payment deters people from applying extra principal on months they have it available to them, adding an extra step of inconvenience to the customer to make small additional principal payments over time. A few dollars extra here and there can reduce my mortgage interest amount significantly over time. 
However small the amount, PNC is capitalizing on human nature to not send extra payments by making it more inconvenient to decide each month what amount to pay, and making up for those that try to go this route by charging {$7.00} per transaction. There is absolutely no reason they could not except month-to-month bank transfers from a FDIC bank without charging fees. Especially when they allow the same transfers fee-free as long as they are " scheduled '' through their " Electronic Funds Transfer '' process.
TD Bank apparently opened accounts using my name and address without my authorization. I have never had a bank account with TD Bank and do not want one. Now, they are billing me for service fees on accounts I didn't open. This smells of the XXXX XXXX fraud. The accounts are TD Simple Checking # XXXX and TD Growth Money Market # XXXX.
On XX/XX/2018 I sent in a dispute letter to XXXX asking them to provide proof of verification as to how they verified the bankruptcy on my credit report. I never received a response from either party regarding proof.
I have been receiving multiple calls from XXXX at Miller Stark Kline. They claim that i have 3 complaints against for a debt and want my social security number to verify its me. I refused to give this information over the phone for identity theft concerns and asked that it be sent to me in writing. At first, they refused and indicated that they did not have to send it writing. I said that I have no knowledge of any debts being owed that I would have to verify -- the woman began speaking over me and said that this was a mediation. I advised her that I was an attorney and that this was NOT a mediation and she was not following proper procedure to collect a debt. At which point she hung up. She then called back a few minutes later and wanted my address. I said, if you have debt that I owe you have my information and address. She then said she would see me in court again and hung up. I have no problem paying money that is owed. However, I have been up to date on all of my bills for a number of years and I have no knowledge of any debts being owed. It is also improper to have not written communication about a debt and instead a violent phone call demanding information. This seems to be violation of the FDCA.
They asking to collect {$560.00} on my credit car XXXX XXXX XXXX I had in 2012. I had never spent that amount I tried to resolve it with XXXX XXXX and told them they need to show evidence where and when I charged that about in my card, they did n't show any. 
Now I 'm asking the debt collection company through XXXX  dispute to show me the evidence where and when I charged that amount it was not me I never spent that much do n't know where they get that from and put into my credit report for almost 6 years now. 
Please help.
My loan is held by FedLoan Servicing, a company that constantly sends incorrect Income-Driven Repayment forms, fails to process forms in a timely manner, and costs me hundreds of dollars in interest for their constant mistakes. The present situation started in XXXX ( 2016 ). I needed to re-certify my IDR status. I called and requested a paper application be sent to me. FedLoan Servicing sent me a form it knew had been revised by the Department of Education, and also knew that the form would not be allowed by the Dept. of Ed at the end of XXXX. Also knowing they had a several-week backlog for processing paperwork, they sent it to me anyway. 
The form was denied ( obviously ). However, instead of a denial letter, I received a bill ( attached as documentation ) dated in XXXX, meaning I was denied denied in XXXX, prior to the deadline by the Dept. of Ed. I called on XXXX XXXX ( 2016 ) and spoke with a supervisor named XXXX. He e-mailed me the corrected form and said I would also be reimbursed for the postage because I was forced to pay for Overnight delivery by the Post Office. He said that FedLoan had finished processing the backlog of paperwork, and that my recertification forms should be processed within a week to ten days. Today is XXXX/XXXX/16 and no one seems to know what is going on at FedLoan Servicing. The only application they show processed was the XXXX they denied in XXXX. 
Please help me. I can not get a straight or accurate answer from FedLoan -- whether it 's from their Customer Service Reps or their management staff. No one seems to know what 's going on. And I am not sure if they 'll even follow through on my request today ( XX/XX/2016 ) to have my account and case reviewed by a Loan Specialist. ( Then again, I ca n't even get a clear answer as to what that is. ) As of today 's date, supervisors at FedLoan Servicing are still not taking this issue seriously enough to do more than an ( eventual ) response through the mail. I had to browbeat at supervisor ( after explaining again that their mistakes could cost my Social Security XXXX and cause me to become homeless -- as I did in XXXX ) to call me back with a resolution.
I have been attempting to get a Mortgage Modification with Bank of America for over four years. Each time until recently I have been placed in a circle where without explanation by modification has to be restarted without a final answer of the previous attempt. I have a numerous number of agents assist me with this process until recently when I was afforded a Dept of Justice Modification that was part of a settlement with BOA and the XXXX due to the mortgage crisis. BOA has not offered any proof od security in the process in writing and I had to pay a large monthly installments out of faith to ensure the new loan of my home. Now that they have received their money not only has the demeanor of BOA personnel changed towards me but also the timeline to complete the process has been drastically expedited. My rep explained to me the loan would be in underwriting for at least 30 days, at that time I would receive paperwork I needed to sign then given another 30 days to return the information. At this time I have only heard via phone call my modification was approved and I need to send all required paperwork by by XXXX XXXX, 2015. This is gives me less than two weeks to turn around vital paperwork to save my home. It took four years and a 16 billion dollar fine for BOA to get my mortgage right but I have less than two weeks. When I attempted to escalate my concerns to an authority that could better assist I was denied any chance to speak to someone above my case managers supervisor. His supervisor was rude and uncooperative to reason by telling me how they expect anyone above her would respond to my request. This experience with BOA has left me feeling they rather foreclose on my home and sale it at a higher price than what my modification was ordered by the DOJ to be in order to recoup part of the money lost from the previous fine. I served over 20 years and XXXX I 'm confused why BOA would include XXXX in their title. My wife and I are both XXXX veterans and she is a XXXX. Our income has changed dramatically over the last three years plus our flexibility of employment is limited due to high medical demands. We need this modification to go through and our ability to return needed paperwork is important to finalize the details. I pray that BOA would take action not only to allow me time needed to return my paperwork, but adjust their policy to do so when the opportunity warrants. I feel BOA owes it to their customers/ clients to place them in a Mortgage that reflects the true value of their home and should make ample time to ensure all homeowners are given time necessary to salvage their lives do the financial crisis caused by BOA and other banks affiliated with this issue. With extra care to those who have served and lost part of themselves after serving in XXXX protecting our way of life. Some agents say thanks but actions speak louder than words.
The Creditor listed is : Douglass Chancellor Meyer XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, MO XXXX Re : XXXX XXXX Debt Stated {$380.00} Tried on multiple occasions to contact collections agency by phone ( XXXX ) XXXX based on number outlined on credit report. The system states it is unable to verify with last four digits of my SSN, and does not connect to a person ever. 

I have also disputed with Credit unions, but no verification of debt was provided to me. They simply returned a finding of valid debt to my credit report.
On XXXX XXXX I visited a dentist to have a XXXX. The dentist had a plan for me to redue my complete mouth cost XXXX. they said I could get a care credit card for part of the cost. The next day XXXX XXXX I went to have my XXXX they scared me said my teeth were XXXX and I could have a XXXX XXXX. I agreed to the XXXX and signed what I thought was a electronic signature machine for the dental insurance. They again pushed for care credit I said NO I said call my wife and she said No.She said just XXXX and at a later time when I felt better maybe I might do more. When I got home she looked at the paper then was a sales draft for care credit dated XXXX XXXX. On XXXX XXXX, my wife called and canceled the card. The next day my wife verified the card was canceled and they had not paid any money. I filed a fraud form with care credit and sent a letter of explaination. XXXX XXXX I received a letter saying they paid the dentist {$3000.00}. The card was canceled but the dentist got it re instated, how?????
XX/XX/XXXX US BANK-I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX XXXX/XXXX- US BANK-I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX-XXXX XXXX XXXX- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX-XXXX- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX-XXXX- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX-XXXX XXXX- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX XXXX- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX-XXXX XXXX- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX-XXXX/XXXX- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX XXXX/XXXX XXXX -- I DID NOT  AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX-XXXX XXXX- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX XXXX XXXX- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX-XXXX- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT- I CURRENT HAVE A CREDIT CARD WITH THIS COMPANY BACK IN XX/XX/XXXX, THERE WAS NO NEED TO RUN MY CREDIT. 
XX/XX/XXXX- XXXX/XXXX I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX-XXXX XXXX XXXX- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX US BANK -- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX-XXXX XXXX -- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX-XXXX/XXXX  XXXX -- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX-XXXX XXXX -- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX-XXXX -- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX-XXXX XXXX I- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX-XXXX ACCOUNT IS APPREARING TWO TIMES ON MY CREDIT REPORT, I ONLY ONE ACCOUNT WITH THEM AND THIS ACCOUNT HAS NEVER BEEN LATE. 
XX/XX/XXXX-XXXX/XXXX ACCOUNT NEVER PAID LATE ACCOUNT IS ALSO SHOWING TWO TIMES ON ACCOUNT, I ONLY ONE ACCOUNT WITH THEM.
On XXXX/XXXX/16, Springleaf offered pre-approval for a line of credit in the amount of {$5000.00}. However, upon applying, the loan was turned into an auto loan without my consent. I declined acceptance of the loan as Springleaf mislead me regarding its product.
I applied for a staples credit card from Citibank. The card was approved and I made a purchase.. It was an online application for the card and I used the confirmation number they gave me to do the credit purchase.. The amount was XXXX dollars and some cents. So far I have not received the credit card.. They tell me that I should have received the statements which I did not.. they have been calling me about the payment on the credit card and I am willing to pay the amount that I used on that card but I should not be charged any late fees and finance charge.. They continue to insist that I should pay finance charge. I have refused them to pay anything unless they revert the finance charge.
On three different occasions, i.e., XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, wrote checks in the amounts of {$100.00}, {$51.00}, and {$100.00}, respectively, and Certegy denied my checks that I wrote to XXXX 's XXXX XXXX. The only reason Certegy denied my checks was because the check number was too high. I explained to the customer service representative that I had been with XXXX XXXX for 38 year, talked with a bank officer and was told XXXX had no holds or outstanding checks on my account The customer service representative said Certegy used a formula to determine when checks will be approved or denied and based on that formula, my checks were denied.
Several disputes have been sent in regarding my current mortgage history with none of them resolving the issue. There were no late payments in XX/XX/XXXX or XX/XX/XXXX and the agencies still continue to list inaccurate information. I need some assistance I have attached the page of my report reflecting such inaccurate data. After the loan re modification never was a late payment made
Dear Sir/Madam, JPMorgan Chase credit card is holding me responsible for the for the fraudulent charges. 
I really do not understand that why bank 's fraud department is holding me responsible for these charges and how come do they expect me to pay {$39000.00} which I never used and I should not be responsible for these charges. 

There is a clear evidence that these charges are fraudulent 1. Signature does not match on the sales draft from merchant. 
2. Why bank did approve large transaction for XXXX USD without any authorization from customer when transaction occurred outside USA? 
3. Bank 's fraud department must notify me either by email/phone/text for such a large transaction. I have not received any indication for these charges. I come to know when I checked my statement online after arriving to the USA. 
4. Do you think merchant should do their due diligence? they should check address on the driving license ( see attached ) when they are selling product. 
5. This is not my normal spending habit since I opened the card since 2011 6. Why chase credit card did not send any text alerts/email for such a large transaction? 
7. Why bank is not holding merchant responsible for these fraudulent charges? Merchant should check when he is selling {$220000.00} goods to the consumer. 
8. Fraud department had enough evidence which does confirm that I did not make these transactions. However, Chase bank is still holding me responsible for these fraudulent charges? Why?
State collection services is trying to collect debts that are expired has the statue of limitations for the state of Wisconsin they are also reporting it to my credit agency and there are duplicate negative remarks are regarding the same account that should have been already dismissed from my viability of the debt due to the Wisconsin statute of limitations they are negatively impacting my credit score which is negatively impacting my life and my ability to get credit.