WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX my account was hit with multiple transactions due to my debit card being stolen. XX/XX/XXXX i was credited back these transactions. XX/XX/XXXX the bank took back the money from my claim and then proceeded to charge 6 OD fees despite it was the banks doing. Its been 4 months since and im missing well over 800 . 

The transactions in question ill provide a sceen shot as well as the police report upon request
I contacted XXXX to inquire about lowering my monthly bill. They suggested I do automatic withdrawal. I decided against having it automatically deducted so I did nothing. I continued to make my payments on the first of the month ( 2 weeks before they were due ). Six months later I decided to change service providers and was told that since I had inquired about automatic deduction ( which I did n't ) I had entered into a new contract and there was a cancellation fee of {$150.00}. I signed nothing, simply inquired about lowering my monthly bill since I am on a fixed income. I either pay or my credit rating is affected.
On XXXX XXXX, 2015, I tested the integrity of Transunion ( " TU '' ) by disputing amount owed on XXXX XXXX Account ending in XXXX. 

On XXXX XXXX, 2015, TU instantly deleted the disputed account without verification or permission from the original creditor XXXX XXXX. 

On XXXX XXXX, 2015, XXXX - ID : XXXX a Supervisor from XXXX XXXX verified to me that on XXXX XXXX, 2015 XXXX XXXX sent letter to TU to report the account. 

On XXXX XXXX, 2015, I spent about an hour trying to resolve this issue with TU customer service in XXXX. Representatives refused to give their names or ID numbers told me that they ca n't report it until they receive new electronic information from XXXX XXXX. 

On XXXX XXXX, 2015, XXXX - ID : XXXX a Supervisor from XXXX XXXX told me that TU is legally obligated to report the disputed account, and last electronically reported the disputed account on XXXX XXXX, 2015. 

TU clams that I deleted the disputed account, which is insulting & outrageous.
Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Costco is changing their affiliated credit card from XXXX XXXX to XXXX XXXX. While I understand and appreciate that this is intended to generate more benefits for customers, the reality is Costco will ship a Visa credit card without asking permission of the customer, and providing no ability to opt-out. Having the affiliated credit card is not a prerequisite of membership. On a call today ( XXXX/XXXX/16 ), Costco confirmed that the card will be mailed, even if the account were to be cancelled. This despite the card is not valid until XXXX/XXXX/16 ... 10 weeks from now.
My Bank of America Credit Card has had frequent " fraud alerts '' that result in shutting down the cards and re-issuing new cards. This happened XX/XX/XXXX, XX/XX/XXXX, and XXXX. All of these supposed " fraud alerts '' are all round number purchases, {$5.00}, {$500.00}, {$1200.00}, all are adjacent to traveling. I believe that the frequency of these fraud claims is too high to be believable, I do not believe that a real fraudster would randomly choose a round number, tax in a purchase never comes to a round number. There are other instances of fraud alert in the history of my particular account that seem to be quite a high frequency. I have never had this occur before accept in XXXX from XXXX, when they called to alert me of fraud that they supposedly stopped, the next day they called to sell me fraud protection insurance. I cancelled the card. On this occasion, I no longer believe these are actually happening, but are generated from within Bank of America for some internal benefit that I may not be able to fully grasp as an outsider. On this particular occasion, I travelled to XXXX for a continuing education conference, while my and children travelled to XXXX for a beach vacation. We both put in appropriate travel notices respectively to XXXX and XXXX. During our travel, Bank of America claims that an " online donation '' was made to an organization in XXXX, XXXX. I find this very hard believe because, I have never been able to make the online purchase without the printed security code on the back of the card. I am presently hypothesizing that due to risk management reason, Bank of America generated their own false fraud claim because of the algorithm of two people who live in rural XXXX traveling separately to XXXX, XXXX and XXXX at the same time. Despite doing out travel notices this fraud alert occurred again and locked up our account. My wife is stranded in XXXX needing her credit card to check for her flight back to XXXX and I have had to " hit up '' my XXXX XXXX XXXX father for cash to return to XXXX by car. I hypothesize that the risk management policies of Bank of America have left more than one customer high and dry in the obsessive interest to protect their organization. I had the house painted XXXX and did the down payment on my card and the shut off the card due this purchase. It was unbelievable trying to explain to them that it was not a fraudulent purchase. Is it possible for them to self generate a " fraud alert '' to minimize risk to their benefit, but the loss to the consumer. Help me and my stranded wife and kids.
On XXXX/XXXX/XXXX, there was a XXXX charge of {$100.00} to a merchant that I 'm currently disputing with. This was for a service to modify XXXX on a XXXX XXXX XXXX to enhance the lightning bolt glow. Unfortunately, this merchant never worked on these expensive XXXX before, so he drilled unnecessary holes which can be seen from the outside of the car and made the lightning bolt very tacky. Also, he did n't know how to wire the XXXX so the lightning bolt was " always-on ''. It made these expensives XXXX ( $ XXXX XXXX look like {$200.00} home-made job. The merchant wanted me to leave my car overnight so he can fix these XXXX, but because this car is expensive and he had no insurance, I did n't feel it was right to leave my car there. What happens if my car was vandalized or broken into? The merchant worked out of a garage and neighborhood was a lot less to be desired. Basically, my car will be a guinea pig. 

I then decided to take my car to a different shop who have worked on these XXXX before and get the job done properly. 

I opened a dispute with XXXX XXXX XXXX for this {$100.00} charge, and they ruled in the favor with the merchant, even though I provided a detailed letter as requested by XXXX from the other shop explaining what the issues were and what was done to rectify them. The Customer Service XXXX told me they needed a detailed letter explaining what the issues and what were done, but still they ruled in favor with the merchant. 

I had never encountered such a dramatic bad experience with any credit card lender and will not be using XXXX credit cards anymore.
On XXXX, XXXX 2017, as I was having issues purchasing Bitcoin from the cryptocurrency company Coinbase, INC, I updated my account info to include my state of residency. The address I used was in the state which corresponded with the ID they have on file. This is not my primary address, although I do use it still occasionally for official business as my current address may change and I can still receive mail at the old address. Coinbase suspended my account, stating that they do n't allow for residents of that state to use their services, although this was not an issue when I created my account nor was I notified of any change. I immediately contacted them asking to change my address to my new address in a state that they do business in, but also gave the option of sending the XXXX Bitcoin in my account to a different Bitcoin Wallet. Their website states that even if an account is frozen funds remain in the wallet until the account is unfrozen. In return to my complaint, I received two automated email responses stating that due to high traffic at the time the incident occurred they could not get to my complaint at the time but should expect a response within 72 hours. The second email I received requested response if the issue was not addressed by the automated email. I responded, expanding on the issue and requested only a Bitcoin transfer as I no longer wished to do business with them. I received no further responses regarding this issue. On XX/XX/XXXX, I added an additional reply to the open case I had stating that I had not yet received a response and that they did not have the right to withhold my funds. I filed another separate complaint with them on XX/XX/XXXX, to which I got another automated response stating that due to high traffic I should expect up to 72 hours of delay before I receive a non-automated response. This second complaint I opened was merged into the previous one for having similar content, yet I received no response. I have received nothing further from this company.
On XXXX XXXX i purchased a leased suv from XXXX. After going over contract discovered down payment amounts i never agreed to within XXXX mins i asked for refund but was refused. After looking at numerous vehicles from XXXX different stores i finally decided on a XXXX. By XXXX the following day i was broke down on the roadside after working a XXXX hr shift.Called to get help and was told i had to pay to get car towed. After confronting manager i asked gor refind again still within my XXXX hrs and the store manager refused .After i threatened to call news station i was put into XXXX. And you guessed it XXXX weeks later this car breaks down i need help i was even still forced to make a car payment after only having the car XXXX weeks
This company is not legal in Nevada, I have attempted to notify them numerous times to stop collecting on an invalid loan, however they have not gotten back to me. Today I received an email making me aware that my account was sold to a third party agency. This is an illegal loan they should not have the right to sell my information.
Citibank has consistently Either lowered our current city bank card and is now refusing to grant us a citi XXXX card even though my credit score is at 7:20 and higher. 

My wife and I got caught up in the current mortgage problems going on with XXXX XXXX. XXXX forest our home into foreclosure because we forgot to sign a single document even though our mortgage was being paid on time For five years We had to fight to prove this finally we got a lawyer and at that point XXXX finally conceded refinanced our mortgage and ended the foreclosure. 

Every other credit card service including XXXX XXXX and XXXX XXXX have granted as a reasonable credit limit and eased it, Citibank would lower our credit limit each time we paid the car down Citibank would lower our credit limit each time we paid the card down We currently have paid off all of the debt and are using a city simplicity card for purchases for my job and we are paying that bill almost completely each month Our mortgage is current and we have been paying extra down on it for more than two years We have a combined household income of over {$250000.00} In addition we have between our accounts and upwards of {$100000.00} in savings I actually have a friend who works for XXXX in XXXX XXXX XXXX who explained to me that citi flags the accounts of minorities went into financial difficulty and it is almost impossible once they do to get them to extend credit, even if the mistake or problem that created the financial hardship is not yours and even if you fix the problem and come out from under the financial hardship Since we are financially solvent and everyone from XXXX has extended us credit with reasonable and low interest rates m, I can only assume the information Ive been given about Citibank is correct If there is a more reasonable explanation I would like Citibank to produce it and show it to us If not I requested that Citibank remove the negative connotation for my account in award us and citi XXXX card If the information is correct I am asking that you sanction and fine Citibank for this deplorable practice
XXXX XXXX, 2016 To : Ocwen Loan Servicing LLC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX RE : Account XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX This letter is to inform OCWEN Loan Servicing LLC of the following ; I, XXXX XXXX, have tried several times to speak with assigned " relationship manager '' XXXX XXXX, whom Ocwen has designated however every attempt has been unsuccessful to date. 
I, XXXX XXXX have had several appointments scheduled with XXXX XXXX, however on more than one occasion XXXX XXXX assigned another Ocwen rep to call and/or XXXX XXXX failed to call to assist myself in this matter. The most recent failed appointment dated XXXX/XXXX/2016 where I was informed XXXX XXXX had " changed her schedule '' and was no longer able to speak to me at this designated time. 
Several Ocwen employees whom I have spoken with have given me different answers and misled me to believe I could easily work with Ocwen to resolve this debt. 
The last payment received to the above account was received on-line dating XXXX/XXXX/2016. Ocwen applied this payment to " escrow '' rather than applying it as a monthly payment so as to make it appear I have not made monthly payments. I can prove consecutive monthly payments upon request. 
Ocwen has disabled my ability to pay this debt on-line since receiving the above dated payment. 
On XXXX/XXXX/2016, as advised by an Ocwen representative, a payment of {$7000.00} was attempted via " XXXX '' however was declined electronically by Ocwen. 
On XXXX/XXXX/2016, as advised by an Ocwen representative, a payment in the sum of {$3000.00} was express mailed to Ocwen however has not been applied to the above account and/or returned to date. 
An escrow account with XXXX XXXX has now been established to hold all monies regarding this account until a resolution can be reached. Said escrow account number is as follows ; XXXX I, XXXX XXXX have been informed by several Ocwen representatives that the above account has now been turned over for foreclosure. To date I have not been contacted by a local attorney and/or foreclosure representative. 
I, XXXX XXXX continue to receive threatening letters from Ocwen Loan Servicing to foreclose on my home. I have yet to speak to a representative whom can help me ; all have misled me. 
I have yet to date be answered that this threatening foreclose is a negotiable instrument pursuant to XXXX state law. 

CC ; OCWEN Loan Servicing LLC Ocwen relationship mgr XXXX XXXX XXXX of the XXXX Attorney General XXXX XXXX XXXX XXXX
I mailed a certified letter to this company asking to provide my signature showing I applied for services. I received a copy of the contract terms back but 30 days letter this had not been updated on my credit report as verified so I mailed another letter stating that since this was NOT reported it had to be removed. I never received any info and it has been about 6 months and it 's still showing on my credit report after many many more letters that followed.
An account in my name was opened with Capital One. The account became delinquent, and I was taken to court. Even though I did not open the account or give permission for this account to be opened I was held accountable. My wages were garnished, I 'm ok with this because it ended up being a family member that opened the account. My wages were garnished, and the account was satisfied, and the case was taken off of the docket. Several months later, the funds were given back to me. I did not ask for the funds they just showed up. I called Capital One to inquire about the funds and I as simply told that the case was closed and the case was taken off the docket. 
Several months later, I received a letter stating that the funds were once again going to be taken from me, and I was being garnished again for the same funds that were returned to me! Only this time the amount was more than twice the original amount that had already been paid ( and returned ). When I called XXXX and XXXX, the attorneys handling the case, the only information they would give me is the returning date for the case when they pick up the wages that had been garnished. This is unfair and deceptive! The funds were returned to me and now I am being made to pay for funds that had been paid? 
Please contact me for more information and specifics to this case.
My credit score dropped tremendously due to inaccurate information. Again, Experian along with the other credit reports states they have no record of a Mortgage Company on file. We did a refi on the house in which  our new Loan is serviced by XXXX XXXX. As well we have eliminated some other debt as well. My credit score dropped almost 100 points due to inaccurate information. This needs to be corrected ASAP. These companies need to post the accurate information, not something that is totally false.
In XXXX XXXX Specialized Loan Services ( SLS ) assumed servicing of my mortgage Loan XXXX. Such time, SLS has misappropriated funds, charges misc. fees never explained, raised payments without justification, payments have not been posted to my account properly, I 've been reported to the credit bureaus for late payment when not late and most recent, they have increased my principal balance. For almost 4 years I have filed complaints like this, I 've spent over {$200.00} in certified mail communications to SLS and every week a new issue arises. This week, per a recent CPFB complaint filed, I received an accounting ledger from SLS from XXXX XXXX to present of their payment history which differs greatly from mine. XXXX documents are attached to this complaint along with a screen shot of my account on SLS 's site showing increase of principal. I provided their account ledger to my accountant who notified me that she can not make heads or tells of their accounting. She stated that it is so convoluted and there is no pattern to the way they apply and note funds. In addition, they never recorded my XXXX XXXX payment which was paid to SLS by Check # XXXX and cashed by SLS on XXXX/XXXX/XXXX. 
If someone from SLS does not contact me to review my account in full, line item by line item, within 30 days of the submission of this complaint, I will retain legal representation and SLS will reimburse for all costs involved in reclaiming my lost funds and correcting my account status.
Bayview Loan Servicing and their attorneys at XXXX stole our identities to pursue a wrongful foreclosure. XXXX ( me ) was XXXX by inspector picture taker sent by Bayview Loan Servicing while we were under the stay protection of Bankruptcy on XX/XX/XXXX. I filed a police report and have a video. We did have a XX/XX/XXXX Mortgage with XXXX and they filed for Chapter 11 Bankruptcy. The Mortgage was never endorsed to any business leaving the Mortgage Void. The bankruptcy lawyers for XXXX ( XXXX case XXXX ( XXXX ) XXXX ) recently sent us the Loan files XX/XX/XXXX proving again there were no endorsements. XXXX filed case # XXXX in XXXX County XXXX XX/XX/XXXX. The case was dismissed XX/XX/XXXX. We filed Chapter XXXX bankruptcy XX/XX/XXXX. XXXX filed a claim under XXXX whom we never had heard of. They filed an erroneous mortgage note from a homeowner in XXXX. They substituted Bayview Loan Servicing as Transfer of Claim other than for security XX/XX/XXXX. We dismissed the bankruptcy XX/XX/XXXX. XXXX filed a " motion to return original loan documents '' from the XXXX case on XX/XX/XXXX. Bayview has fabricated Mortgage Statements with our stolen identity and address. They have been depositing large amounts of money in the account since XX/XX/XXXX. 39 days before Bayview and XXXX sued us for foreclosure, they deposited {$21000.00} on the statement. They sent us 3 notices of default and intent to accelerate-XX/XX/XXXX/XX/XX/XXXX and XX/XX/XXXX. They filed a wrongful foreclosure suit in XXXX County XX/XX/XXXX ( past the 5 year Statute of Limitations XXXX ) case # XXXX. They falsely gave us loan modifications XX/XX/XXXX and XX/XX/XXXX stating we had applied for them.We did not. They keep asking for our social security numbers and sending us forms to sign. We have had no contact with them except to send qualified written requests which they failed to give us a straight answer as well as take longer than the law gives to send to us. We suspected they were eventually going to sue us so we just collected the info sent us. We started checking our credit reports and found they had been reporting themselves as a creditor for conventional real estate mortgage opened XX/XX/XXXX. We disputed their reporting and ALL of the Credit Agencies removed them. Our credit report now reflects XXXX Dollars owed on Real Estate. We now have a non jury trial on XX/XX/XXXX which will be preceeded by a Mediation. I can show a clear path where XXXX conspired with Bayview Loan Servicing to commit Mortgage Fraud. They now are including Foreclosure Attorney Fees right on their recent statements. We DO NOT owe them any monies nor do they have any legal right to obtain our property and get a Judgment Figure. XXXX is very prejudicially rough on homeowners and very few of us can afford a lawyer. Bayview Loan Servicing and XXXX have violated the Federal Fair Debt Collections Practices Act, 15 USC 1692 specifically 1692d ( ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person and 1692e 807, False or misleading representations, Conspiracy to commit Morgage Fraud under XXXX Statutes 817.535 & 817.545 ( 2d ).
This is from an old debt collection originally opened XX/XX/2013 I hired a pool company ( XXXX XXXX ) to do pool repair and after breaking up my deck, and claiming to fix the leak ( but didn't ) wanted to charge me {$450.00}. 

I said no, because they didn't do a good job, and they have sold this to a debt collection attorney in Florida Voss & Klein that refuses to remove the reporting from my credit report. 

It's time to move on and drop the matter as it's FIVE years ago, and they are still reporting it as a negative. I'd like this removed from my credit report!