WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, XXXX check number XXXX in the amount of {$1100.00} on XXXX XXXX, XXXX check number XXXX in the amount of {$1000.00} on XXXX XXXX, XXXX check number XXXX in the amount of {$1100.00} on XXXX XXXX, XXXX check number XXXX in the amount of {$890.00} on XXXX XXXX, XXXX check number XXXX in the amount of {$980.00} on XXXX XXXX, XXXX check number XXXX in the amount of {$900.00}. These are checks that have been deposited into account without my authorization. I wasnt aware until XXXX XXXX that this occurred. I didnt use this account for sometime and did not keep up with it. I tried resolving matter with Bank Of America. This transaction are fraudulent and Im being held accountable. I have sufficient documents showing that I am not responsible. All deposits are teller transaction which means teller did not verify person or any other authorized users.
I have a public record judgement on my Equifax report. It was paid and should be removed. The other XXXX bureaus have already removed it.
This account do not belong to me. This account is a result of identity theft. I have contacted this company many times to inform them that this is not my debt and they have refused to remove this account from my credit file. I need your assistance in getting this matter resolved.
I applied for a car from XXXX XXXX of XXXX. When they pulled my credit report they informed me that I had an extended fraud alert on my file with NO contact information. So I called Equifax to find out if this was true so that I could continue with my purchase of a car. The representative with Equifax told me that I would have to purchase a credit report in order for them to assist me. I purchased the report for {$10.00}. To my understanding I should not have had to purchase anything to fix my contact information. I am now still waiting for them to add a verification phone number to my report. This is absurd. I should not be denied credit because of Equifax wrongdoing.
Several months ago we were approved for a loan modification we accepted the offer and made our 1st monthly payment. About a week later we were served with paperwork from the court saying they were4 trying to foreclose on our property. I replied to the notice with a written answer as well as submitted all the paperwork regarding the approval for the modification and documentation of our 1st payment. Went to court and the judge did not understand why we were there when were in the middle of a trial modification and meeting the requirements, he also did not understand why Seterus was " dual tracking '' our loan. The judge found that as long as we made the remaining 2 payments within the required time frame we would be set for a permanent modification. Well here I am on my 3rd and final month to make my last payment before finalization & I receive a letter in the mail on XXXX/XXXX/XXXX stating that as of XX/XX/XXXX our mortgage was being transferred to a new servicer ( less than 10 days notice!! ) Frantic I called Seterus and asked how this was going to effect the modification and after being placed on hold multiple times for over 15-20 minutes I was told that I would have to reapply for a loan modification with the new servicer, even though there are federal guidelines in place to protect consumers from having to reapply. I was told that the previous payments essentially meant nothing and even though they knew the current terms of the loan it did not matter. How is this legal my guess is that it is not they entered into a legal agreement and I kept the terms, they did not and now am in the middle of retaining legal counsel to try and save my home as well as pursue legal action against Seterus and their shady, unethical, shady business practices. I am also filing multiple state and federal complaints regarding their disregard for the regulations set in place to prevent " businesses '' like them from doing this to people and hopefully prevent them from doing business period. I will also pursue any and all legal avenues to make sure that EVERYONE knows what kind of company Seterus is while making them responsible for their actions, I will not go quietly, this is just wrong! It should not be this hard to save your home. I was so happy to be back on track and felt a sense of relief that my home was safe, to now be told that I have to start all over again is devastating to say the least. I also researched the new servicer XXXX XXXX XXXX have had/ or are currently in the middle of class action lawsuits, investigations, fraud investigations etc.This is our home, the only home my children have ever known, I have worked hard to get back on track, but to make us start the process over with a new shadier servicer and potentially risk foreclosure/dual tracking in the process is CORRUPT
In XXXX XXXX I signed a payment agreement on an agreed judgment which included service fees, filing fees, and listed an interest rate of 12 % per year. As agreed, I began making monthly payments beginning XXXX XXXX, with the most recent payment being made in XXXX. On XXXX XXXX XXXX the company representative told me my balance was {$3500.00} more than what the initial balance was on the agreed judgment. I disputed this and she stated she would work with the legal team to get this resolved. I called the company to follow up on this on XXXX XXXX XXXX and the issue still was not corrected. At this time it was explained to me, the additional amount was attorney fees and other fees they forgot to put in the original signed agreement, and that she was n't sure when this would be corrected.
FOR THE PASSED COUPLE OF YEARS MY CREDIT KEEPS GETTING PULLED. I HAVE DONE SERVAL POLICE REPORTS ABOUT THIS ALREADY. I HAVE CALLED YAHAMA IN A COUPLE OF OCCASIONS. THE MONTH XXXX  XXXX AND XXXX MY CREDIT KEEPS GETTING PULLED BY YAHAMA BOTH THE STORE AND THE CREDIT CARD. I WENT IN ONCE IN XXXX TO LOOK AT A BIKE. EVER SINCE THEN I KEEP GETTING MY CREDIT PULLED BY THEM EVERY NOW AND THEN. I HAVE FILED A POLICE REPORT ABOUT THIS ALREADY.
To Whom it May Concern, This letter is in response to your recent claim on regarding XXXX XXXX XXXX which you claim has been late in the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This has not been updated as needed. 

By not replying in a timely manner to my initial letter, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws, I further remind you that you may be liable for your willful non-compliance.

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in small claims action against your company.

I would be seeking damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX 
XXXX, NC XXXX Social Security number : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC. XXXX XXXX XXXX
calls about family members credit using legal threats and abusive language. this person has never lived with me at this address.
I am currently XXXX, and a XXXX Veteran I have been taken advantage by my mortgage company Planet Lending and the realtors they are working with to force me into a short sale which has valued my home XXXX less than what it worth. On XX/XX/XXXX I received a threatening letter from the realtor ( see attached ) stating that my home would be foreclosed on that day if I did not go through with the short sale, furthermore the letter urged me to contact Planet Home Lending and they would not be mad at me. Operation Reach reviewed my documents and found out that Planet Home Lending was assigned the loan on XX/XX/XXXX, I received a denial letter for a loan modification dated XX/XX/XXXX. Planet Home lending filed a Declaration for a Notice of Default on XX/XX/XXXX, which is not 30 days for my appeal which is mandatory in the State of California. Planet Home Lending has violated the homeowners bill of rights and I believe that both the Realtor and Planet Home lending are working in concert to take my home.
I have a discover card. Yesterday X/XX/2018 I received 3 calls from Discover card. The first two times I could n't answer, so they called and left no voicmail. 
I saw discover card and got worried, so I logged onto my account to make sure there was no fraud action, and then I called and was on hold for over 10 minutes. Being at work time was a factor for me, so I could n't hold on any longer. 

Received my third call around XXXX- and then person ID themselves, and started asking me if I have a problem making payments, and offering me flat interest rates ( right now I am in XXXX promotion ). Then after I told them no, they continue to ask me to make a payment even though my account was n't due, or even past due. 

I was shocked. I asked if there was a issue with my account, and if I was past due, and they said no they were just trying to be proactive. This made me so upset as they are calling me during my working hours-left no voicemail the first two times, and then harras me for payments when payment was n't even due. They violated my cell phone by calling over and over eating up my minutes and wasting my precious time, time that I need to be able to work so I can pay my bill in the first place To me this was collection when my account was n't even due. Soliciting trying to tie me to an interest rate, when I have XXXX interest rate right now. Harassment for payment - when my account is current. 

What is it that discover wants from me? I think they need to pay me for time, and cell phone charges?
We sold our home and closed the account with OCWEN XXXX XXXX. In late XXXX they took another loan payment from our checking account. After repeated Emails we received a check for reimbursement. Then they did the same thing in XXXX. Again after several conversations we received another reimbursement check. In XXXX they tried again, this time we did n't have enough funds in our account so we now have over 100 dollars in overdraft fees. We are living out of the United States so this makes everything more difficult. After more emails and expensive phone calls. We finally got another email saying after checking their records we were mistaken and they never took any funds from our account after we closed the loan. I have never dealt with a company as inept as this. The sad part is we tax payers bailed out their company when the economy crashed, big mistake
Coinbase continues to lag transactions to gauge the market. They are currently holding transactions over 72 hours with no explanation.
I went in to the dealership to discuss purchasing a new XXXX XXXX. When doing so I told them that I wanted to talk about potential numbers and that I did not want my credit checked in the process unless we were close to a deal. We did not get close to a deal and yet the ran my credit through a company called XXXX  anyway. This inquiry was unauthorized. 

I called the dealership and they tried telling me that they can not do anything about the inquiry and that although the salesmen remembers me saying I do not want my credit pulled - it must have happened by the sales manager anyway. I asked if they could fix this and they said I would have to write a letter to the 3 credit bureaus. This is unacceptable.
For the past 4 months I am repeatedly being charged for an item I did not order through my Capital One XXXX card. I have called each month to dispute the item and it 's reported to fraud and removed and then the following month I 'm being charged again for it. So each month I 'm having to call, talk to the representative, then fraud department, close my current card and issue a new number only to have the same charge applied once again to my new card. This has been lingering for months and I 'm getting tired of calling Capital One to resolve this issue. They always say they 'll make sure it 'll stop but this week the company attempted to charge me again twice in one week! The first attempt was on Monday, XXXX XXXX, 2017 and the charge was declined because I 'm almost a my full credit limit so the charge was denied. Then yesterday, XXXX XXXX, 2017 they merchant attempted to charge me once again but as I stated previously at being near my limit it was declined once again. It seems this merchant is being more and more aggressive with their attempts to charge me. I called Capital One XXXX today, XXXX XXXX, 2017 to inform them that the same merchant attempted twice to charge me. Capital One has admitted that they can block this merchant and have confirmed they have done so with my account but yet this continues to happen each month. Now with the merchants more aggressive tactics I 'm scared it will get worse, so I 'm hoping reaching out today and reaching the correct channel will finally resolve this issue once and for all.
I am a victim of identity theft and their is unauthorized and fraudulent credit accounts and inquiries listed on my Trans Union that do n't belong to me. The following credit accounts and inquiries listed are fraudulent : XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX and XXXX, XXXX/XXXX/XXXX.
i look at my credit report and it shows a report on exprian that still on there system but all other credit bureaus is not there and removed it because it was paid and and updated from please please please have them remove this incorrect report wish i have documents that i payed
I went into the XXXX in XXXX, PA and paid my Boscov 's credit card in full. 
I then received a bill in the mail with a {$25.00} late fee and charges of {$2.00} and XXXX on top of my balance that I already paid. 
When I called the number on the back of my card, they said that I did n't pay and I would need to fax a cancelled check. I went to my bank and they called the cardd company and after an hour on the phone with them, they did n't help me. They wanted my bank to fax a copy of my statement for proof of payment with all my persona information on it. I also told them a had a receipt of payment when I paid them by check, which my bank faxed them. They told me they were suspending my account. I paid my bill on time at the store. 
Is this how they make money by taking advantage of seniors - asking us to pay twice and then threaten me with late charges and shutting down my account. 
I have never been late and on a fixed income - I cant afford to pay twice and let them figure it out if they EVER figure it out.
Multiple robo-calls left on my answering machine. They refer to a XXXX XXXX XXXX, which is not me.
I was called and told about sums owed. I stated I had not recieved bills but would be happy to take care of it if I could see paperwork and verify I owed it. He said that I could not get any type of verification that wasnt his job. He then started asking about my husbands employer. He then said I had to pay within 2 days. I said it wasnt possible without reviewing said bills. He then said he would contact the dr to tell them I refused payment and to seek legal action against me. Then he hung up on me. I called back and ask for a supervisor two times and they refused me and Said there were none.
On Saturday, XXXX XXXX, 2015, I made an electronic deposit of my paycheck to PNC Bank on XXXX XXXX XXXX, in XXXX XXXX Maryland at around XXXX. I had been told by this bank that if I made a deposit on a weekend, no matter how late it was using the automated teller service, the deposited check/checks would be available by Monday morning and would cover my account. As of XXXX XXXX, 2015, I had approximately, {$240.00} left on my account. I made the deposit of {$730.00} on XXXX XXXX, 2015 which made my total account balance for Monday, {$940.00}. 

By Tuesday, XXXX XXXX, 2015, I received a notice in my e-mail that I was overdrawn in my account. PNC, deliberately held back the funds until other debit transactions where charged to my account because according to my statement, all the transactions including my deposit were all done on the same day, XXXX XXXX. My check for {$730.00}, had been deposited way before then. Plus, I was charged a double overdraft charge. This is not fair to consumers who have to pay their bills and are trying to do the best they can to manage them. 

I called PNC bank and I spoke with a Consumer Service Consultant, XXXX XXXX XXXX, who was rude, and kept trying to talk over me when I was trying to explain the issue that I needed help with. I kept asking to her to please let me speak with a Supervisor but she refused to let me and told me that their was nothing that a Supervisor could do to help me. She also refused to refund the overdraft fees and would not listen to any reason. 

I had explained to XXXX XXXX that I recently had had surgery and was unable to drive. My paycheck did not arrive until Saturday and I had to wait until someone to come and drive me to the bank in order to make the deposit. I had also explained to her that teller at the XXXX XXXX branch had told me that if I make a deposit using the automated system on a weekend, that my deposit would be recognized in my account the very next day, .. and that is the truth! 

I also have a screen capture of my account transaction from XXXX XXXX, 2015 to XXXX XXXX, 2015 for proof of this issue which I would like to get resolved. 

Thank you for your patience.
After almost 3 years of sending money to my in-laws through western union I am now being denied access to the service without explanation. Since XXXX Western Union will not allow me to send money any longer. I have contacted them several times and they say they are not allowed to tell me why my account has been closed, why my receipt history been deleted, or why I am no longer allowed to send money.
Hi, I made a payment to my credit card in the amount of {$3700.00} and an other of {$100.00} ( the full statement balance ). These payments were made on Friday XXXX XXXX 2016. My husband two hours later made a payment of {$240.00} to his credit card ( the full statement balance ). All payments were paid by my external XXXX XXXX ; XXXX XXXX XXXX XXXX on Monday XXXX XXXX 2016. My husbands credit card was paid and the balance currently is showing {$0.00} and a full credit line. However, my credit card is reflecting {$67.00} available credit, this even after being charged {$51.00} in interest. 

Today I had my husband call Capital One to find out why his Capital One account would have money applied accurately and timely and mine was not. He spoke with a " Supervisor XXXX '' who 's Agent ID was identified as XXXX. She indicated that she did not know why, but that Capital One 's policy is that they can hold money for four ( 4 ) days. XXXX could not identify what indicators would trigger this business practice. XXXX also indicated that Capital One has reported to the Credit Bureaus that my current balance is {$180.00}. My husband voiced his concerns that this policy is an unfair and deceptive business practice when applied arbitrarily without rhythm or reason nor justification. My account has never been paid late, considered a slow pay account or otherwise given any trigger that I am not an honest, credit worthy, credit responsible customer. XXXX 's response was she was following Capital One policy ; or politely saying she did n't care nor does Capital One! 

My concerns are, Capital One holding funds, then charging interest though the statement balance was paid in full, is not only unfair but deceptive. Capital One reporting to the credit bureaus that payments were made in the amount of {$3800.00} but an available credit of {$51.00} could impact my debt to income ratio and lead to potential lenders in their underwriting processing questioning my credit worthiness. This is not only deceptive but unfair. Is this because I am female and do not make the income of my spouse or my male counterparts at Capital One? Do they enforce these same practices with their own employees or executives? They did not with my husband! Last, when asked to speak to XXXX 's supervisor or to someone on Capital One 's Corporate Escalation Team, she refused. XXXX 's actions demonstrated that she did not care about my issues or in resolving my concerns. I 'm very disappointed with Capital One and their poor customer service. 

HC
First Citizen Bank has allowed their customers access to do ACH withdrawals from my account. I noticed on my bank statement was charged by a company called XXXX XXXX. I call my bank XXXX XXXX XXXX and was give the number of First Citizen bank. The establishment where the money was transferred to. I called First Citizens bank and they were not able to assist me in any way since I do not have an account with them. But after my bank provided me a company id XXXX and their ACH department I was given a cell phone number XXXX. On XX/XX/XXXX I was given a name by XXXX XXXX XXXX by the name of XXXX XXXX. I have been told by XXXX  XXXX XXXX that I need to reach out to the XXXX XXXX but the information that I was given is the exact same as what First Citizen gave me. The two transactions that are in question were made on XX/XX/XXXX withdraws {$65000.00}. Then 4 days later on XX/XX/XXXX there is another withdrawal for {$53000.00}. These transactions are not authorized by me therefore were made by First Citizen bank. I need to get my money back, since First Citizens bank has no information about the account holder they are responsible for helping me recover my money. First Citizen Bank is opening fraudulent accounts and allowing fraud to happen, and when asked who is this merchant they have no information.
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX, XXXX XXXX XXXX Dear CFPB Representative, On XX/XX/XXXX, I discovered Creditor, XXXX XXXX XXXX XXXX, and XXXX have violated my rights as it relates to the Fair Reporting Credit Act ( FRCA ). The Creditor, and XXXX re-inserted the below previously deleted items without notifying me within 5 days that the items would be re-inserted in my credit files.. Under the Fair Reporting Credit Act, the Creditor and Credit Agencies are required to notify me within 5 days of re-inserting the previously deleted items. 

Agency Creditor Account TransUnion XXXX XXXX XXXX XXXX XXXX Item Status : Was removed on XX/XX/XXXX and re-inserted on multiple dates. Latest reporting showing item re-inserted XX/XX/XXXX and after the FCRA period of expiration. 
As of discovered today, all items were re-inserted in on my credit file without me being notified within 5 days of the re-insertion and after the item FCRA 's reporting periods have expired. 

Please assist in resolving this matter quickly and having the credit agencies delete the negative information immediately. 

Sincerely, XXXX XXXX