WillisBack/dataset-financial-user-claim huggingface dataset:
I am the trustee of a trust that is being liquidated. The mutual fund company issued a redemption check that I deposited into Bank of America. B of A has now placed a hold on those funds. There is no pattern of unusual activity here - the amount of the deposit is not unusual for this account, the account has never been overdrawn, and the funds are drawn on a large and reputable mutual fund company 's account ( XXXX XXXX ). Bank of America told me that the hold was placed because the issuing bank ( XXXX XXXX ) is unable to confirm sufficiency of funds. I called XXXX XXXX and they have verified that the check CLEARED XXXX XXXX. Somehow Bank of America is not being straight with me and in the meantime is interfering with my ability to fulfill my fiduciary duties to liquidate the trust and distribute the proceeds.
I have contacted Experian on several occasions that these inquiries do not belong to me. I contacted customer service in XX/XX/XXXX and told them that my sister name was reporting on my credit report and that several of her information was on my file as well. They removed most of the information but these XXXX inquiries are still reporting. On XX/XX/XXXX they placed an fraud alert on my file but didnt remove the inquiries. I need these inquiries from XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX all removed because they do not belong to me. Each time I contacted and wrote to Experian they came back saying please contact the company to have them removed but the companies do not have my information in their system.
About {$800.00} was charged on this card. I paid it down last year so I can buy house.. my identity and phone was stolen.
I recently found out that I have a lot of hard inquiries on my credit report. These are not factual reports I did not give consent nor did I give them permission I put a security freeze on my account off and a security lock on my account this morning I have contacted the company I noticed I gave them my full social security number my address my phone number all of my information and they could not find any account that was opened or attempted to get open however this company indicates and shows up on my credit report on all 3 credit bureaus. I am asking that this gets removed from my credit report within 30 days or I saw seek legal action. XXXX Date of request XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX Address identification number XXXX here is the second complaint. 
XXXX Date of request XX/XX/XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX Address identification number XXXX
Dear CFPB, I called USAA to report the credit card they issued to me as lost or stolen on XX/XX/XXXX. I remember using this credit card on XX/XX/XXXX in XXXX. It was subsequently either stolen or lost. When I noticed my USAA credit card was missing on XX/XX/XXXX, I logged into my account online and noticed thousands of dollars of unauthorized purchases. I immediately reported the card as missing and reported a number of charges listed online as fraud. I was advised by the USAA representative to keep a close eye on my account. Accordingly, I did monitor the account. I called back at least once to report additional charges as fraudulent. These charges had all been made in the XX/XX/XXXX-XX/XX/XXXX period. However, some of these charges only posted to my account later a few days later. Ultimately, I am disputing 18 charges to my joint credit card account with my husband totalling {$3700.00}. 

Initially, in XXXX, pending a fraud investigation, we were issued credit for these purchases. These charges re-appeared on our credit card account on XX/XX/XXXX after a fraud investigation was completed. However, I received no letter informing me of the conclusion of this investigation to either my USAA inbox, to my email account or to my regular mailing address ( to my knowledge, though it is possible that it was lost ). Despite speaking to USAA on XX/XX/XXXX ( approximately half an hour ), XX/XX/XXXX ( 36 minutes ), XX/XX/XXXX ( 17 minutes ), XX/XX/XXXX ( 32 minutes ), XX/XX/XXXX ( 37 minutes ), XX/XX/XXXX ( 35 minutes ) and today on XX/XX/XXXX ( 20 minutes and 26 minutes ) about these charges specifically, no USAA representative has been able to resolve this dispute, or even tell me what steps I should take to help resolve this dispute. In the meantime, we continue to carry nearly {$4000.00} of debt on our credit card that was the result of a XXXX claim that we continue to dispute until the present day. 

I should acknowledge that I have received one phone call back from an XXXX in the USAA credit card fraud department on XX/XX/2018. This individual left a phone message ( I have it saved ) instructing me to return her call at a general number ( XXXX ). Despite two attempts ( one today and one on XX/XX/XXXX ), I could not reach her or anyone authorised to discuss my case when trying this number. Today, on XX/XX/XXXX, I called the senior dispute resolution team one last time to see whether they could do anything before submitting this complaint. 

Over four months have elapsed since I reported these investigations to USAA and I am extremely frustrated that they have not been able to resolve this, much less provide me with any indication of what is being done to resolve my complaint. 

Sincerely, XXXX XXXX
XXXXDear Citizen 's Bank : These are instructions given to me by XXXX XXXX XXXX for Citizen 's Bank:1. Citizen 's Bank need to file a claim in order for XXXX XXXX XXXX to investigate the students loans that Citizen 's Bank are alleging that me and my mother 's cashed or deposited at XXXX XXXX XXXX in XXXX and XXXX. 
2. XXXX XXXX XXXX has checked both : my mother 's account and mine and did not find any cashed or deposited checks from Citizen 's Bank. I, XXXX XXXX, did n't have an account with XXXX XXXX XXXX until XXXX and I closed my account in XXXX because of fraud happening to my checking account that I was cleared of the charges at a later date by XXXX XXXX XXXX. I can get XXXX XXXX XXXX to confirm this in number XXXX and they did check my mother 's account and they did n't find anything on her account relating to Citizen 's Bank student loans. 
3. This one student loan that Citizen 's Bank sent to me and my mother in the amount of {$15000.00} is fraud and the account number is not the same for me or mother 's accounts with XXXX XXXX XXXX. The Backsplash says XXXX XXXX XXXX and I highly doubt that in 2 or 3 days that a check can get to XXXX, XXXX from XXXX XXXX. Did Citizen Bank send the checks overnite through a shipping company? The check was disbursed XXXX/XXXX/XXXX and according to the date of cashed or deposited it was on XXXX/XXXX/XXXX and then below it says XXXX/XXXX/XXXX. 
4. XXXX XXXX XXXX will give Citizen 's Bank a reference number once the claim is filed. 
5. Please mail me the reference number, so that we can keep up with XXXX XXXX XXXX 's investigation. 
6. We are innocent and once that is proven, please write the {$35000.00} check to me and mother and have the check mailed to : XXXX XXXX - XXXX XXXX, XXXX XXXX ( we have been wrongfully punished for so long. ) I do not understand why Citizens Bank is not following the proper steps to dispute this claim with XXXX XXXX XXXX, we have repeatedly expressed orally and written to Citizen Bank that we did not cash or deposit these checks at XXXX XXXX XXXX. We have filed police reports and filled out ID theft affidavits and Citizen 's Bank still have not filed a claim with XXXX XXXX XXXX so that XXXX XXXX XXXX can find out where these checks were deposited or cashed within their Bank. What Citizen 's Bank gave to us, is a copy of XXXX check in the amount of {$15000.00} and it is fraud. This money did not go into my mother 's account or mine. 
Thank you and I look forward to communicating with you. 
CC : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX
I ' am a seller on eBay so I use PayPal for payment. I sold a XXXX XXXX XXXX handbag on XXXX/XXXX/16 and invoiced the buyer the same day for {$2500.00}, which included adult signature and insurance. The invoice was paid the same day, as the invoice on the invoice was the receipt, the box with the XXXX card. The buyer signed for the package on XXXX/XXXX/16 and I have proof from USPS of signature. The money is released to me but I never transferred to my bank account just online shopped using my PayPal account. Then the buyer wait until XXXX/XXXX/16 stating that she never received the item, which she did on the XXXX, and signed for it why, would she literally 7 days fraud that 's why. I sent PayPal all my info uploaded my usps documents Then on XXXX/XXXX/16 PayPal decided in my favor so they released the money to my account, the buyer and myself received the email as well. Then XXXX/XXXX/16 the buyer then take 7 more days to change her first claim from not received to oh she received it but now its not what she wanted. The first claim was false and the XXXX claim is false then I supported my timeline of events which is extremely a lie so PayPal decided in the buyers favor on XXXX/XXXX/16 this time due to her giving false documents, which she still have my item and they have a - {$2500.00} on my account if anyone read the time lines and my proof you can see how PayPal XXXX the sellers and make it where we are out of money and this go on our credit report. I filed a complaint with the XXXX, and I got a nasty response of basically XXXX it up - {$2500.00} and move on well I 'm not I also filed with the Texas XXXX as well.
I received confirmation of dispute findings which advised that the XXXX account was going to be deleted from my credit file. The XXXX account was deleted however when I called in to address another concern the supervisor I spoke with put the account back on my credit file. I believe she was upset as I advised her that I would be filing a complaint about the concern I had with CFPB. Shortly after hanging up from speaking with the supervisor I received an alert from one of my credit monitoring services advising that an account had been added. When I checked it was the XXXX account which I had not called to discuss this account as it had been removed. Equifax is in violation of the FCRA as they added this account back to my credit report without advising that this was going to happen. I also have a complaint about the XXXX Dept of Education accounts that they keep reporting an additional {$5.00} to the account balance. I have spoken with the Dept of Education and they advised that they would not update the account as it is in the rehab program. Equifax is updating and changing files without the proper information from the credit provider. I plan to contact an attorney to assist with this violation if it is not corrected asap. Equifax needs to be investigated for their behavior and retaliation against those that call them out on it.
I was told by XXXX that my personal info was part of their breech. On XX/XX/XXXX, I place a freeze ( online ) on all 3 services. At the end of the online process I had to pay {$10.00} to each credit reporting service. On XX/XX/XXXX, I went to purchase a new vehicle. I told the dealership I had a freeze on my credit. I had to phone TransUnion ( automated ) to put in my pen # to temporarily unfreeze my credit. At the end of the automated call I had to pay {$10.00} for my credit to be checked. When I placed the freeze on my credit I was not notified that I would have to pay every time my credit needed to be checked. 

On XX/XX/XXXX I called TransUnion and their representative told me the fees vary from state to state.
I have disputed the Equifax credit report over two months ago and never received a response from them. I quoted the Fair Credit Reporting Act issue to them and they have not replied and continue the negative credit report. Attached are documents they have received. I have certified mail verifying that they received the documents.
The following accounts are showing as negative on my credit report despite repeated attempts to have them removed. Experian has failed to produce documentation with my signature that says I am the owner of the following account : Account Name Balance Credit Limit Usage Type Status Opened On XXXX XXXX XXXX   XXXX {$480.00} {$300.00} 160 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX XXXX {$440.00} {$300.00} 149 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - {$300.00} - Revolving Unknown XX/XX/XXXX XXXX
I had a lease with XXXX  that started in XX/XX/XXXX for 40 months.

In XX/XX/XXXX, we have made a payment through XXXX XXXX XXXX, but apparently it had not gone through.

I am not sure if they have called to remind me of being late, but I always check my voicemails, and they never left me one.

Once I discovered that was late I made a payment right away.

When I realized that the account was reported to the Credit Bureaus as delinquent ( my lease had matured by then and I had told them that I would not be getting another XXXX  ), I called them and tried to straighten it out. They were extremely rude and unsupportive.

I filled a couple of claims with XXXX, but not successful.

I have never been late with XXXX or anybody else ever, my credit score has always been high and this negative inquiry is really affecting me now.

I also feel very disappointed when there is a " he says, she says '' kind of situation, that XXXX   would take the side of the large corporation rather then the consumer!!!

I really appreciate your help on this matter.
I have outdated information on my credit report date from 2006 even accounts with the open date unknown numerous incorrect payment information as well.
On XX/XX/XXXX I had 3 Refunds post to my Chase Credit Card, these credits posted on XX/XX/XXXX. Each refund was priced in Euros and then converted to USD. The exchange rate I received was XXXX XXXX 's website states the Foreign Currency Transaction rate for purchases on XXXX with a 1 % bank transaction fee is XXXX, on XXXX that rate was XXXX ( see bottom of page ). With no foreign transaction fee, the rate on XXXX is XXXX. The rate I was given by Chase Bank, who has stated they have nothing to do with Foreign Currency Rates, is approximately 93 % of the XXXX Transactional rate, that means either Visa or Chase is charging a 7 % foreign currency transaction fee on refunds to credit cards. No where does Chase or XXXX list that they charge a 6-8 %  foreign transaction fee on refunds. XX/XX/XXXX XXXX This transaction posted on XX/XX/XXXX Additional merchant and transaction information Rate XXXX Return {$8.00} Currencies fluctuate every day. The rate shown is effective for transactions submitted to XXXX on XX/XX/XXXX, with a bank foreign transaction fee of 1.0 %. XXXX Euro = XXXX United States Dollar The " currency calculator '' below gives you an indication of the cost of purchases you make when traveling internationally. Euro to United States Dollar XX/XX/XXXX XXXX EUR = XXXX USD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
After contacting XXXX, when United Recovery Systems would n't allow me to make payment arrangements, they contacted me and told me to contact them. XXXX gave me URS 's wrong contact number. XXXX gave me the following number XXXX, which is the XXXX XXXX service desk. I XXXX URS 's number XXXX, called them XXXX, and was forwarded to a machine to leave my name and contact number. I did that, the first contact was XX/XX/2015, the last contact being XX/XX/2015, and no one has returned both calls.
On XXXX my made a payment to my credit card for me since I was low on funds for the weekend I Then received email from capital one showing me the last four digits of her debit card and that her debit card is now linked to my account I did not want that I did not authorize it and this was a one time only payment and she did not authorize a linkage either I tried to talk to somebody about it and they told me I had to go online I went online there was no option to unlink I chatted with a guy named XXXX who told me to call IT and I finally talk to the supervisor team XXXX and they can not do anything about unlinking her financial information which we did not authorize I do not want it on there what if the company is hacked somebody would have access to her credit card this is Fraudulent behavior and predatory
This company is absolutely the worst mortgage company ever. I accidentally overpaid in XXXX, I realized immediately what I had done, contacted them, and they proceeded to drag their feet, then promise a refund, drag their feet some more, then say they did n't owe me a refund, charged a bunch of fees with no explanation as to what they were for, charged late fees even though they know they had an extra month 's payment, finally admitted yes they did owe me a refund, gave it to me in XXXX, but are still insisting on collecting fees that I do n't owe them.
I Contacted Champion Mortgage to make payment arrangements on {$5300.00} and was informed this amount needed to be paid in full. I had been sending Champion {$240.00} for back taxes .I am unable to pay the full amount being requested.
I got a store card backed up with XXXX XXXX, I changed my address after receiving the card, I called XXXX  XXXX   and changed my address, yet I did not receive a statement for multiple months, I received a phone call from the bank later and I found they still had the old address which they then corrected. I told them I would like to pay my original balance and I don't believe I should be responsible for all these additional fees as a result of them not properly updating my address. I requested that I speak with a supervisor to revolve the matter instantly on the phone and pay my balance, I was not given a fair response. I let them know that I will be contacting the CFPB unless they reach out and work with me to resolve this issue, I was ignored and they keep on adding fees and interest the amount now is multiple folds higher than the original balance. I feel that they have significant leverage over me to force me into paying unfair fee and I have zero leverage but to do what I want. My credits core has been significantly impacted and I am looking to buy a home. Please help me
I took out a small title loan on my paid off XXXX XXXX vehicle for {$2100.00} on XX/XX/XXXX. I was making the monthly payments on the loan and the balance never went down it keep increasing on a monthly basis. I was diagnosis with XXXX XXXX and I still kept in contact with them with updates on my health status. i also advised them I had lost m job due to the amount of time I needed to take off from treatment which they were also advised up. I continue to try and make payments and the balance still continued to increase with unreasonable interest and fees. Then there were issues with car that required very expensive repairs, Which I notified them of that as well, they made no attempts ts to work with me or justify the amount of fees and interest they had been charging me.The issues of my complaint as follows : 1 ) The car then had been repossessed with out any contact being made to me that that it was in that status or that that was the intent. 2 ) The cars value was {$9900.00} without after market accessories included prior to repairs. 3 ) I was never sent information or documentation stating they still was a balance added off {$770.00} 4 ) Reporting inaccurate information to the credit bureaus stating that this was a automobile loan, the last  payment being made XX/XX/XXXX, Account Closed XX/XX/XXXX. That there is a balance of {$770.00} still is owed. This information is severely hurting my chance of recovering financially after my heath issues. 5 ) A high balance of XXXX for a {$2100.00} loan
I went through a short sale process and was denied relocation assistance due to home appraisal saying that it was tenanat occupied and also a check mark saying I refused assistance. The question on the request for mortgage assistance was very vague. I was told that I could get assistance by phone but once the closing happened they refused. They continue to deny me the assistance even though I never saw any of paper work until after closing.
My XXXX Store Credit Card is blocking access to my data via external 3rd party systems.
When I was renting a house my credit was pulled and I found out that Hunter Warfield, a collection Agency, had report that I owed them {$5100.00} in XXXX and {$5100.00} in XXXX  and XXXX XXXX. They had XXXX XXXX XXXX XXXX ( XXXX ) as the original creditor. 

I do not owe this alleged debt. They and XXXX had never tried to collect this from me nor notified me about this debt. 

In XX/XX/2018, I disputed the debt with Hunter Warfield, through certified mail with return delivery ( usps.com tracking # XXXX ), asking them to validate the debt because I do not owe this alleged debt. Returned cert, received showed that Hunter Warfield received my validation disputed mail on XX/XX/2018 at XXXX XXXX. But Hunter Warfield never responded and never validated the debt as required but kept reporting the debt in all 3 credit reporting agencies.

According to Fair Credit reporting Act ( FCRA & also FDCPA ), debt must be validated with 30 days after they receive my notice to validate. According to these Federal Credit Laws not validating the debt is an indication they are admitting what they are reporting is not true, false and/or fraudulous. The debt was then un-validatable and reported in error. The debt report was inaccurate and in error.

These Federal Credit Laws Stated that they must remove and delete inaccurate, false and error report from my credit record immediately. 

According to FCRA and FDCPA my credit record must be free from error and reported accurately and complete. 

Actually I did not even owe XXXX. They still had {$420.00} of my money to date. 

I want Hunter Warfield and XXXX to delete this un-validated alleged debt and inaccurate and false information from my credit record with all Credit Reporting Agencies immediately in accordance to the Federal Credit Laws, ACRA and FDCPA. And notify me when these inaccurate, false and error information are remove and deleted from my credit record. It has passed the required 30 day. It has even passed 150 days with no validation of the debt.
This Bankruptcy is not mine and does not belong to me. I have reported this to all XXXX credit bureaus and they will not re-dispute it. I have provided them with a copy of my police report..
SLS recently began servicing my loan when the IR reset causing my payment to double. So starting in XX/XX/2016 I began submitting all of the required documentation to have the loan modified. Since this time the experiences I have encountered have made me lose confidence in their ability to execute loan modifications timely. Today is XX/XX/XXXX and I just got another call stating the XXXX doc that I sent back in XXXX is now invalid because the date is old. Furthermore, they told me the XXXX submitted for the co-borrower was also invalid when in fact just a few weeks prior they confirmed it was fine. It appears every 15 days or so they contact me to tell me about another random document that was n't requested up front is now needed and if I do n't send it I wont qualify. I have been very responsive when it comes to providing the necessary documentation but these long delays between calls and these random requests for documents that were not requested up front need to stop. In addition my single point of contact is 'bullying ' by stating [ with attitude ] that the mod wont get done if do n't supply the documentation. I do understand this but the aggression she showed is class-less. 
I am struggling to pay my mortgage and need a decision ASAP on if I qualify for a loan modification. I am borrowing money to keep the loan from going 60 DPD but it is becoming increasingly harder to make the payment. Based on these poor experiences I now believe SLS is purposely delaying the execution of mortgage assistance because the MHA program has ended and so has the Obama administration. this perceived negligence needs to stop and I only hope the CFPB can help end the madness. I think it is safe to assume hundreds ( if not thousands ) of other customers who have SLS servicing their loan are facing the same situation. I take confidence knowing the long reach of the CFPB and thank XXXX almost daily for their existence. Please help