WillisBack/dataset-financial-user-claim huggingface dataset:
Chain of Events : First, I must state that I never, ever, use my M & T XXXX XXXX for purchases or payments. I occasionally withdraw cash from an ATM but it is not frequent. 

On XX/XX/2016, I discovered that an unauthorized, fraudulent debit - XXXX Online Phone Payment in the amount of {$150.00} - had been applied to my M & T Checking Account on XX/XX/2016. I immediately contacted M & T and was told to come in and file an affidavit. The affidavit was filed on XX/XX/2016. I requested future debits from XXXX XXXX be blocked but was told they could not block an individual debit, only freeze the entire account from all future debits. Since I had legitimate, automatic debits linked to the account ( XXXX and XXXX Prescription Plan ) I was advised to leave it open until I could stop these debits, a process I began immediately. 

On XX/XX/2016, M & T reimbursed me for the fraudulent debit on XX/XX/2016, {$150.00}. I received a letter stating, " Our research has concluded that the transaction was unauthorized or processed incorrectly. Your account was credited {$150.00} on XX/XX/2016 for the disputed transactions. '' I stopped all direct debits but, before I could notify M & T to place a debit freeze on the entire account, another unauthorized, fraudulent debit was made to my M & T XXXX Account for the same amount and via the same method - XXXX Online Phone Payment in the amount of {$150.00} - on XX/XX/2016. I called the bank and they issued another affidavit and placed a debit freeze on the checking account. 

On XX/XX/2016 I received a letter from M & T stating, " We have completed a thorough review of your account and nothing in our records indicates that the transaction ( XXXX ) was unauthorized or processed improperly. As a result, no funds will be credited to your account as a result of this claim and the claim is now closed. '' With the letter was a " Written Statement of Unauthorized Debit '' form to submit to M & T for consideration under the Automated Clearing House ( ACH ) rules. I also requested, in writing, copies of the documents relied upon in connection with this investigation, which were available upon request. 

I do not understand how XXXX debit was considered fraudulent but the second XXXX, XXXX months later, was not. I did not authorize these debits and I feel M & T should have done more to prevent this from happening. There is a debit freeze on the checking as well as a savings account that I have at M & T, since I do not know the source of the fraud and do not feel protected by the bank. 

I leave this in your hands and will abide by the decision made after investigating the issue. 

Best Regards, XXXX
Prior to 2014 my mortgage was handled by XXXX XXXX formerly XXXX XXXX XXXX .My note was coming out of my social security check every third Wednesday. Unknown to me XXXX transferred my note to XXXX who stated I was in default for the XX/XX/XXXX and XX/XX/XXXX. I disputed the default and sent information to XXXX showing the amount that was paid. XXXX did not post both payments until XX/XX/XXXX.XXXX transferred my not to BAYVIEW Servicing and my payments went from {$360.00} to {$510.00}. My check is {$1000.00} of which I have to pay life insurance on my XXXX greatgrandchildren and myself, light, gas and water. I have tried to resolve this matter to no avail. Now I 'm threaten with a bill of {$1000.00} by XXXX XXXX or face forclousure. All information requested by XXXX was sent including bank statements .XXXX is no longer in the XXXX area I do n't know what happened to the money that was coming out of my check but i would like to know. Any advice will be greatly appreciated.This loan was supposed to end in 2014.
Re : BSI Letter Entitled Streamline Solicitation Agreement Withdrawal dated XX/XX/XXXX Loan Number : To Whom It May Concern : c/o XXXX XXXX I am requesting information relating to the above-referenced loan number currently being serviced by your firm BSI Financial Services. On or around XX/XX/XXXX I accepted a permanent loan modification offered by BSI. I executed the documents sent as requested and sent the 1st payment in the amount of {$640.00} Check Number XXXX which was received and cashed by BSI on or around XX/XX/XXXX ( please see attached ). To Date : I have not received a fully executed Loan Modification Agreement signed and dated by a representative from BSI There is no evidence that the alleged Loan Modification was filed within the Real Estate Recorders Offices of XXXX County I have not received a mortgage coupon with the new loan amount listing and verifying the new monthly payments I have not received a payment breakdown from the inception of the new loan to the maturation date However, I have received since executing the loan modification agreement along with my first payment was a mortgage coupon in the amount of {$0.00} stating that the payment is not due until XX/XX/XXXX ( please see attached ) You all have failed to send evidence that the Loan Modification was signed and accepted by your firm yet the first payment check was cashed. You all failed to send new mortgage coupons reflecting the new loan agreement and payment amount. Now, you are withdrawing your original offer because you can not provide accurate accounting or paperwork to reflect the original agreement? Now you are calling the Loan and threatening foreclosure? How and why? XXXX, I need an explanation! 
Because I have been receiving conflicting information relating to the servicing of my mortgage. I am concerned that this error has created an unnecessary and improper delinquency within my loan status. 
Therefore, please view this as a " qualified written request '' pursuant to 12 U.S.C. 2605 ( e ) as well as a request seeking accounting as well as the current status of my loan! I seek verification of the amounts which you claim are due and/or delinquent and the documents supporting these claims. I should not be held responsible for any late fees, interest, or other charges relating to the above referenced confusion. I look forward to your response within 20 days from the date of this letter. Any further communications concerning this debt should be directed to me in writing. 
Sincerely,
We originally got a loan with a company called XXXX. They sold our loan to GreenTree who in 2014 paid the wrong company for our property insurance out of our escrow account. Not wanting that to happen again this year, I called in XXXX to speak to a representative. She eventually transferred me to a rep for XXXX XXXX who supposedly emailed them what was needed. End of XXXX I received a letter from XXXX who has now taken over GreenTree saying my insurance is n't paid and so I call customer service again who assures me it will be paid on time. XXXX rolls around, XXXX XXXX still has n't been paid, and XXXX sends me a FINAL NOTICE regarding the hazard insurance. They were going to force me to buy insurance from them. I called ditech again and requested a supervisor who finally informed me their concern was insurance for the structure which is paid by the HOA. I faxed them what they wanted. Then I received a notice yesterday. Our escrow account is " short '' and they are raising our payment to make up this shortage. Turns out they not only paid XXXX XXXX the {$540.00} we owed them, but ALSO sent a {$840.00} check to XXXX who we do n't use for insurance on this property. We want our {$840.00} back and this escrow issue resolved so we do n't have to deal with it for a third year.
Thursday, XX/XX/2019 I called XXXX Nissan of XXXX about a vehicle I was interested in online. I spoke with a salesman named XXXX. XXXX and I negotiated price over the phone and I made clear my intentions were to make a down payment of {$10000.00} on the vehicle and finance the rest. XXXX had to get approval from his manager but in the end he came back and told me his manager approved the deal. 

Friday, XX/XX/2019 My wife and I drove to Nissan to purchase the vehicle based on the agreed deal. Our salesman, XXXX had stepped away to make copies of our driver licenses and print the paperwork. He was gone for a pretty long time and eventually another associate came over to our desk. This other gentleman begins to explain how he can not allow us to make a down payment on the agreed upon price of the vehicle because, " we wouldn't make enough money on the deal. '' I argued and pushed back because I was told the manager had approved the deal knowing my intent to put money down. In the end, I agreed to purchase the vehicle anyway, because I wanted/needed it. 

We eventually made our way back to the finance manager, XXXX to close our loan. I told XXXX what happened and he shrugged it off like it was no big deal and even said, " Oh yea we have a new sales manager out there who came from a dealership in Florida. He won't let anyone with good credit make a down payment. '' The next week or so ... 
I called Nissan USA Consumer Affairs to make them aware and they created a ticket so that someone could follow up with me. A man named XXXX called me and explained that since the dealership is privately owned they couldn't really do anything about it, but that he would send it to the dealership directly so they could contact me. No one from the dealership ever reached out for resolution.
I made a large payment on my Bank of America credit card which I have had for 13 years. I thought the large payment would help my credit, but instead they immediately lowered my credit limit, ruining my credit and I have no funds to use. I have always been on time with my payments and I was n't even notified! This company is evil and low life.
I have been charged late fees on my Barclay 's MasterCard ( credit card ). 
I collect Social Security and make all my payments on or around the XXXX of each month ; in line with when I get my Social Security check ( on or around the XXXX. ) I recently looked at my Barclay 's statement and saw that they 've been charging me a large late fee - almost every month - since almost 2105. 
I sent them a XXXX-page letter along with a printout of their spreadsheet about my account. From that letter and the spreadsheet, you can see that I 've always made my payments ; how they credit my account is NOT correct. 
They have sent me a letter asking me to call. This is not feasible ; they 're most recent letter to me makes little sense.
I fell behind on my mortgage in XXXX due to a temporary loss of income. I started the loan modification process with my lender in XXXX and to date, I am in the process of requesting another loan modification due to previous denials. In this process, I 've always been informed by my personal account specialist named XXXX that as long as the loan modification is under review it would prevent or place a hold on any foreclosure proceedings. I submitted my monthly loan mod in late XXXX, again being advised that the review would avoid foreclosure, and lo and behold, I was served with a foreclosure summons in on XXXX while my loan mod was in review. I 've continued to file loan mods since the foreclosure summons for the months of XXXX and XXXX. My most recent denial was on XXXX, in which I still have yet to receive a denial letter, but last week I received a letter from loss mitigation indicating that an Forbearance mod might be available and as of yesterday, I now have a XXXX sale date on my home. My intention in to stay in my home where I 've built a life in with my husband and family. I 've missed the foreclosure case status date on XXXX due to my loan mod app still being in review, and again the foreclosure process would cease while my loan mod is in review. XXXX from Ditech contact me on XXXX to update me on the loan mod status, in which it was still in review and no decision was made as of yet, which is why I did n't attend the status call, only now to find out that the loan mod was denied after I spoke with the agent. I feel that Ditech has dropped the ball on many accounts during this stressful period and is now leaving me resulting to staying persistent with them hoping to inundate them with modification applications and possibly hiring an attorney to fight this battle.
On XX/XX/XXXX at XXXX eastern time I contacted USAA customer service, in regards to a Visa credit card that my current husband in XX/XX/XXXX opened as a single applicant. We were married XX/XX/XXXX and now separated due to legal issues. I called to cancel my card believing that I was an authorized user, but the representative told me that I was added as a joint account holder in XX/XX/XXXX. I remember calling the credit card company for an issue regarding some form of inaccurate charge for my XXXX XXXX  XXXX veteran boyfriend at the time and the representative mentioning they needed to get verification from him to discuss his account with me. I either 3 way called or he was sitting next to me to authorize permission and he also told them he give me permission to speak on his behalf regarding any other future question or issues I should have. I also, do this for my parents accounts and doctors because they do n't speak english well, so I did n't think by doing so that I 'd be liable for his debt. I would never agree to be a joint account holder because he has a XXXX that makes him not have any XXXX XXXX. This makes him make thoughtless purchases and gets him in the trouble he is in now. According to the 5 different agents in different departments told me at that time I gave verbal consent to be a joint account holder, but they use different terminology that made me think I was an authorized person to speak on his behalf. I asked multiple agents to send some form of evidence of myself agreeing to this because if I did I was unaware that I was accepting debt liability. I never signed or knowingly agreed to be liable to his already opened credit card. The agents just kept saying that I agreed over the phone and we are in default and I needed to make payments. I asked to speak to someone who can give me some form of documents or evidence that I agreed to the debt liability and they either hung up the phone on me or kept switching to different department and said they would n't give me any additional information and their was n't anyone who could help answer my questions. I then the day after I found a USAA blog after going through an enormous amount of research and XXXX and decided to post my question there. They basically said the same thing and when I posted again with more detail to ask for help, the company blocked me from the blog. I really do n't know what to do and need help.
My loan was transferred to XXXX XXXX from Caliber Home Loans in XXXX of 2017. Caliber Home Loans still reflects my loan as being open with the credit bureaus, specifically XXXX. I  have asked Caliber Home Loans to contact the credit bureaus and report my loan as either closed or transferred and to no avail. They keep indicating to me that they no longer have the loan and they do n't have any way to change it. I have been denied two loans because of my debt-to-income ratio. Every time I file a dispute with XXXX, it comes back that they have verified the status.
I 'm been trying so hard to disputed all the wrong information with Equifax multiples times, I keep sending then information about my informationbut it looks like they do n't care, please I need your help to fix this problemright away since it is been a nightmare for me and my family
Citizens bank has taken {$410.00} from my account for overdraft fees. I am opted out of overdraft protection, and have also documented account minipulation, on behalf of citizens bank. I have taken screen shots of the bank flip flopping withdrawls, and deposites to bring the account negative for preauthorized debits or checks. There was also a situation where my mortgage lender withdrew my mortgage on the wrong date. After correcting the lender, and the funds being returned, citizens would not refund their fees. This transaction was on the XXXX, but was later changed to the XXXX by the bank. On the XXXX it showed the withdrawl at citizensbank online site. I find these fees excessive and criminal. After speaking with the chairmen, XXXX XXXX, i did not receive my refund. I have documents to prove bank account minipulation as well as the return of mortgage payment by the lender. I have also been charged fees out of no where, with no trace of bouncing the account at all. This bank is nothing more then a bunch of crooks. More documents availible then attached.
I originally financed my single family owner occupied home thru XXXX XX/XX/XXXX. The current servicer Select Portfolio Servicing fraudulantly created an assigmnet and recorded it at my local town hall purporting to assign my loan into a RMBS with XXXX as trustee. I have a copy of the Pooling and Servicing ( PSA ) agreement for this RMBS. Some of the many problems are the RMBS closed in XXXX of XXXX ( per the PSA ), PSA states all loans would have to be securitize prior to the closing day in XXXX of XXXX plus 90 days, SPS assigned my mortagage into the trust in XXXX, SPS lacks authority to assign anything into the RMBS ( per the PSA ), this RMBS is governed by New York State Trust Law ( per PSA ). SPS has sceduled a foreclosure once or twice a year since XXXX, everytime they cancel it the day before the scheduled date. I have filled out 15+ HAMP Tier1 modification requests, the always need something, or dont qualify for this reason, I defaulted on this agreement, or whatever story they decide to tell on any given day. I am currently under review for a modification since XX/XX/XXXX, but they always need something new. So recently they sent me a letter stating I would hear something on the review shortyly and the day later I receive an intent to foreclose letter from XXXX and XXXX dated for XX/XX/XXXX I sent them a proof of debt letter asking all the same questions I have been asking regrding the validity of the assignment and trust purchasing my loan. They still have yet to reply. So as I sit here wondering who actually legally owns this loan and wait to hear back regarding a modification and proof of debt their duel tracking me towards foreclosure. Duel Tracking is also illegal, but yet they still do it and get away with it. I need help to save this home for my family of 5.
Transunion refuses to report accurate information on my credit report. I have an XXXX XXXX account that shows a balance of {$700.00} that has been paid in full, I also have an XXXX XXXX account that is showing 90 days past due which is inaccruate. There are fraudulant charges on my account.I called XXXX XXXX who informed me that they have not received anything from Transunion to dispute the accounts. I have sent multiple letters to Transunion regarding this and have not received a response.
I have been disputing this item for about two years. Equifax is showing a tax lien on my credit report. XX/XX/2012 I applied for a sales use and tax lic. in Florida three months later I joined the XXXX and I was away from my home address for two years. When I returned from XXXX XXXX I discovered that the Florida Department of Revenue estimated that owed them taxes and they filed a tax lien in the XXXX County Courthouse. I contacted the DOR and explained that I never started my business so they wrote a letter to the courthouse and all three credit bureaus explain that the lien was filed in error and requesting it to be removed. I have sent Equifax this letter at least XXXX time but they still wo n't remove it. They keep saying that they have verified the information as accurate. They keep contacting the courthouse and I have explained to them multiply times that they need to contact the Florida Dept. of Revenue that 's who filed the lien but they 're not getting it. I am attaching the letters from the FLDOR
My credit information was compromised by Equifax on XXXX XXXX and they waited to inform me. I have never given permission for the information Equifax possesses to be maintained and so this security breach severely compromises my identity and credit worthiness. This is unacceptable. This company also sold stocks between the date of the breach and consumer notification which reeks of possible insider trading. Please investigate this company and hold them accountable.
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the XXXX , XXXX XXXX XXXX and XXXX data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.
In my USPS delivery on XXXX XXXX, XXXX I received two unsolicited letters from Synchrony Bank XXXX, XXXX XXXX XXXX, XXXX, FL XXXX. They are almost identical. They both start " Thank you for your recent credit application with ... '' One continues with " XXXX XXXX XXXX '', the other with " Lowe 's. '' Thy direct me to call their office at XXXX XXXX XXXX XXXX. 
The problem is there were no recent credit applications originated by me or any one in my household. I 'm XXXX XXXX XXXX and have never shopped at XXXX XXXX-I 'm not the right demographic! 
This is more than an unwanted credit offer, by implying I originated an application, it is fraud.
This is a closed acct with a XXXX $ balance you cant collect on a XXXX balance also this account has been sold or transferred ... Iam also a resident of Florida per Florida statue of limitations you can not collect on a debt over 4 yrs old!!!! Please delete off my Equifax and XXXX credit report!!!!
I have 3 years of payments to XXXX " XXXX XXXX XXXX on time without any late fees and my final payment paid in full. I was never in debt and never owed XXXX anything that I did n't already pay. A debt collector by the name of Mercantile Adjustment Bureau has some how stolen my account number, full name, previous address as well as current address from XXXX and contacted me by mail stating that I owe XXXX dollars and after contacting XXXX no such debt was ever owed. This is not only a violation of the privacy policy of XXXX but also has affected my XXXX credit score which will be considered defamation of character. This is criminal and must be dealt with. Questions : 1. How did Mercantile Adjustment Bureau obtain my full name, current and previous address and the account number I have with XXXX? 2. If XXXX did n't place my account with Mercantile Adjustment Bureau then how do they have all of my information? 3. If XXXX is saying this is a fraudulent claim then how can I seek full legal action against Mercantile Adjustment Bureau for theft of personal information, harassment and defamation of character?
Citibank credit card has been charging me for a service I did not sign up for called Payment Safeguard. They say I signed up for it in XXXX of 2007, but I did not sign up for this service. I requested they send me written proof or a recording stating I signed up for the service. And today, I only got a letter saying I signed up for it in XXXX of 2007, but provided me with no proof.
All XXXX credit bureaus are reporting a bankruptcy tax lien on my credit file XXXX are showing on XXXX for XXXX different amounts under a bankruptcy that I attempted to filed in XX/XX/XXXX. I was not allowed to go under the protection due to owing back taxes. II have been working with the IRS to resolve my tax issues I want this removed from my credit report Due to never filing bankruptcy listed below are the account information for each bureaus XXXX XXXX {$20000.00} XXXX - XXXX XXXX {$20000.00} Experian XXXX Filing date XX/XX/XXXX in XXXX County Superior Court amount is {$16000.00} XXXX XXXX County Superior Court the court system which is report incorrect information is XXXX County Superior Court XXXX XXXX , GA XXXX phone number XXXX XXXX County Superior Court XXXX XXXX , GA XXXX XXXX I will be contacting both of the counties to get any Documents that they have to prove my claim