WillisBack/dataset-financial-user-claim huggingface dataset:
On  XXXX / XXXX / XXXX , The bank withdrew funds from a savings account account owned by my husband and I. The withdrawal, which totaled  XXXX , took a total  XXXX  from our account and made the account negative in the amount of  XXXX .     This withdrawal stems from an event where my husbands brother, who is on   XXXX   XXXX   due to   XXXX   XXXX  , deposited a check for another person, into my brother-in-law 's checking account for  XXXX  on  XXXX / XXXX / XXXX  and then withdrew those funds a few days later, after the check cleared and paid the funds to the person who he thought was legally entitled to the funds.     The bank subsequently debited my brother-in-laws account for the funds paid out because they claimed the check appeared to be forged.     When contacted about the debit placed on my husband and my account, the bank stated that they did so due to my husband being an additional signatory on his brother 's account.     My husband 's only dealing with his brother 's account was to deposit funds to the account after cashing his brother 's  XXXX  check and paying his brother 's bills. My husband told the bank representative that opened his brother 's account, that his association was to be limited to only adding funds to the account.     The check that was deposited into my brother in-law 's account was issued by  XXXX   XXXX  and made payable to an individual and a law firm. The back of the check is signed by someone that appears to   be one of the payees and my brother in-law, there is no endorsement by the law firm.
It is quite obvious that the bank failed to properly process the check that was deposited into my brother in-law 's account, making it a   third party check that was not properly endorsed. No funds should have ever been paid out, especially on a check that large.
after finally having the money to meet and retain my attorney and being able to file all the proper police reports and federal reports equifax has not honored my identity theft packet. the XXXX and XXXX company both have investigated and deleted all contested accounts but equifax has not. there is no other way for me to prove my identity was stolen. I have done everything according to the law to restore my name, however equifax is the only reporting bureau that has not corrected my record. I have sent proof of my address at the time these purchases and accounts were created. please remove the creditors listed on my FTC report and police reports, and also this unvalidated bankruptcy
XXXX XXXX XXXX ( a unlicensed debt collection agency ) on behalf of Transworld Systems and XXXX XXXX XXXX XXXX XXXX filed several lawsuits that resulted in default judgements between XXXX-XXXX and one lawsuit in XXXX/XXXX where I was provided with incomplete information showing ownership and chain of custody. This deceptive information included an affidavit stating that XXXX owned the loan in question along with a promissory note and other documents. I have never been given the requested chain of custody/assignment that shows XXXX owns the loans in question per y numerous requests. I have filed unsuccessfully motions to set aside these default judgments. I have since been garnished of both my state income refunds and paychecks. I have received debt collection letters dated XX/XX/XXXX & XX/XX/XXXX from Transworld Systems and XX/XX/XXXX from XXXX XXXX XXXX XXXX regarding these loans. XXXX is a servicer who is reporting these loans on my credit report as of date that included incorrect information. XXXX stated in a prior complaint filed with CFPB that they only have information from when they obtained these loans in question in the years XXXX-XXXX, however, upon calling XXXX they were the servicer on all loans upon date of origination on all loans in question. XXXX is reporting on my credit report to contact current furnisher, without knowing who truly own these loans its impossible to do so.
I filed a complaint about chase credit card refusing to cancel my annual fee card in 2014. I finally did get a letter and they either did not charge me or they credited back the annual fee. They switched me to a non annual fee card. I had noticed that the computer was full of complaints about chase credit card doing the same to others. 
Today I received a call from a XXXX XXXX who said she was from Chase credit card and responding to a complaint I had filed. She would not tell me what the complaint was or who it was from. However, she asked several personal questions of me. She said this was for verification? Finally I said she should have this information if she 's really from Chase. I explained that any complaint I made was back in 2014. She then checked dates but said she just got it today. I explained to her what the incident had been and that Chase admitted I had called to cancel my card but the transaction had not been completed by their agent. Chase refused to provide copies of the conversation to me. XXXX XXXX then began to argue with me that all their information was proprietary. Hiding any records from the customer. I told her I did not want to continue the conversation with her. 
I am putting Chase on notice that any future conversation from them to me should be done IN WRITING. The call from XXXX became threatening and I had to hang up.
This will be my 2nd request for an accurate update and to no avail has it been corrected on my credit report, nor updated.
There is an account I have personally tried to validate and nothing was ever received. How are Experian and XXXX able to verify this when I can not and it is on my credit file and it is inaccurate. The social doesn't even match mine Account is listed XXXX XXXX XXXX XXXX
I wrote all 3 credit bureaus ( I will attach all documents ). Only XXXX responded. Transunion and XXXX have ignored me in violation of the law.
Refuses to provide access as client to mortgage and escrow information regarding my mortgage which was recently transferred from XXXX XXXX to XXXX. I asked for Escrow and Legal Department to contact me with correct tax and escrow figures and every customer service representative refused to arrange.a call. My letter informing me of transfer of my mortgage loan specifically states that my mortgage will not change and XXXX is changing payment amount and date of payment.
I had a discrepancy on my report 2 times by XXXX. I stated it was n't mine and it was removed both times. Now it has shown up for a third time on XX/XX/18 for around {$1300.00}. This is not my debt but it keeps showing up after it 's been challenged and removed two times and has shown up for a third. This has damaged my credit severely and I want it to stop.
My daughter asked me to co-sign an auto lease. I was informed that both the dealership, XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX and the leasing company would be doing inquiries on my credit report. I do n't object to the inquiry by the leasing company since I have a contractual relationship with them. There is no similar relationship with the dealer, who is an agent of the leasing company. Consequently, I object to them requiring a copy of my credit report.
XXXX XXXX XXXX denide my identity theft complaint. They continued try and garnish me and take me to court. Have stoped any collection activity against me
I had purchase a truck from this dealership at a certain price that I took out that same day everything happened so fast that I didnt believe it that I had boughted a car by my self I took it in give a down payment if it promised to pay in one month while I made my first payment on the load made my first payment on the loan but one week before the 30day warranty period the truck broke down which I had to pay out of pocket because I could not afford to loose any day of work fix the truck for couple day driving it white no ac for the matter that I had fix up until I need to make my down payment already but second payment on the loan came by since it way on a holiday XX/XX/XXXX one on my derelict deposits was not made until the next business day so second payment fail got the call from the dealership say that there contract with this lender was rejected and we had to apply for another lander which was libel finacial give me a higher interest rate and payment plan with a an additional hidden fee called GAP got approved had a cal from the lander asking me additional questions about the vehicle that the dealer told me to say in other word lie to value more the car and get approved with out my acknowledgement of there intention got approved never seen the original contract from the second lander in the mean while my truck was getting fix driving a loaner car from a the dealership missing afew Daya work getting fired from one job a had out 2 in that time frame and never got Reimburse of anything out of my pocket 6 to 8 pass the lender harassing me that I had not made my full payment that I had trusted the dealer I was going to pay XXXX $ instead of XXXX $ before with the other lender long store short I couldnt negotiate nothing with the lender and told the lander yo just come and repo my truck have to loose a lot from this deal that I felt was wrong as a costumer I feel being a fist time buyer things like this should not happen to no one very upset of this deal never again I ll buy a used vehicle in my life.
On XX/XX/XXXX XXXX XXXX came into an account and contract that was owned by XXXX. On XX/XX/XXXX, the account is placed on my credit reports. There is no warning, no letter, and how they have tied this account to my identification is a wonder they still have not explained. I have sent 2 faxes to the fax number attached to their company in Washington. I have also sent 2 letter. I never received a letter informing me of this account because I would have easily been able to disprove it being mine. This is the lone collection on my reports and it has shot my score all the way down. XXXX XXXX has been completely reckless in it's handling of my personal reports. I have no contract to pay XXXX XXXX ANYTHING and they have no legal leg to attempt to collect as well as damage my report.
On XXXX XXXX XXXX I received an email from XXXX XXXX XXXX XXXX that a " Loan '' that I had applied for recently was " Denied '' because of derogatory credit information on my " Equifax '' credit report. I immediately called " Equifax, '' calmly explained to " Equifax '' my situation and asked them to mail me a " Free Copy '' of my " Equifax '' credit report that I am lawfully entitled to per the Federal law called the " Fair Credit Reporting Act. '' " Equifax '' staff said " No '' and rudely hung up on me.
Navy Federal Credit Union blocked access to my checking, savings, IRA and credit card accounts. I 've called for the past four weeks and I 've been informed that only one person can explain what is going on. I 've left numerous voicemails for XXXX in their Security Department and he has not returned my calls and no one can provide me with answers on why I am not able to access my account.
XXXX  FAILED TO UPDATE XXXX LOAN NO.XXXX, THIS ACCOUNT WAS DISCHARGED ON XX/XX/2018. UPDATE TRADELINE AS A DEBT CANCELLATION OF XXXX PAID CLOSED CANCELLED. 

ALSO, XXXX XXXX XXXX NO.XXXX WAS REPORTING PAYING AS AGREED NEVER LATE PRIOR TO THE BANKRUPTCY OF XXXX. 

RE-INSERT XXXX XXXX XXXX  NO.XXXX. PAID IN FULL VER LATE AND CLOSED. 

LASTLY, XXXXXXXX XXXX  XXXX IN AN INVALID TRADE OF XXXX. 
UPDATE STATUS PAID IN FULL, CLOSED/TRASFERRED TO RCS. XXXX IS NAMMED IN BANKRUPTCY XXXX AND DISCHARGED XX/XX/2018. 

DELETE ALL HARD INQUIRIES FOR THEY ARE INCLUDED IN BANKRUPTCY.
Please delete the account which have nothing to do with me, regardless if its reported as collection, charge off, closed with balance because they do not belong to me and other accounts which were unverified, inaccurate and false asap XXXX  XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX   XXXX ) XXXX
EQUIFAX CREDIT MONITORING SERVICE ACCEPTS PAYMENTS BUT FAILS TO FURNISH SERVICES.
There is a collection firm stating I owe XXXX and I do not. This debt was paid a while ago and this company is hurting my credit with false information I have disputed it and it still remains. This is FALSE and they are violating my rights reporting inaccurate information. Please help
XXXX XXXX continues billing me for a debt that is not mine. I had shut down services and moved and have proof of it, yet they continued billing me. Now they have a debt collector after me even though I have sent the collector a certified letter to stop contacting me, yet they continue to. 

They reported negative report on my credit that has harmed my credit rating without proving the debt is mine, I have asked them to remove the negative report, they ignore me. 

They have called my family, revealing they were a debt company looking for me because I was visiting my family when they did so, which is in violation of my rights. They have violated several debt collection practices, and hurt my family relations as well as my credit. They ignore my letters, which, by law, they were to have stopped sending me collection bills. They obviously think they 're above the law or no one knows their rights. 

I have been harassed for 10 years regarding a debt that is not mine, and is also in violation of debt collection practices because there is a 6 year statute of limitations on debt collection in Massachusetts. They have hurt my credit score for years now, and I want restitution for the damages they 've done to me! 

They fail to obey every aspect of Fair Debt Collection laws, disregarding letters and time limits to collect debts. I hope the FTC will be able to do something to them that I can not.
Dear Sirs : I have just started a new job with XXXX XXXX as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My very first pay check starting this new job and I mean the whole paycheck from this work for the month of XX/XX/2018 has been taken and I mean all 100 % of it as a payment to Texas Guaranteed student loan! 

Ive made payments to them in past sizable amount to no avail ore even a dent ever made to the principal. They are an out of touch and carelessly, corrupt and unregulated because their interest rates are not realistic to student abilities to ever catchup and depend on small payments to sustain and prolong the misery to students. 

Also corrupt is the Treasury Dept willingly giving my entire paycheck to the pigs at Texas Guaranteed. The latter literally refers to 100 % without any warning or rule or regulation making it a reasonable percentage portion, but instead all of it was taken. Is there no percentages that limit amounts? How can it be the total earnings? Where is tax payers government when needed if our very Federal Treasury Department is doing this for rich corporations intoxicated by anything goes tactics?

I have bill realities to contend and attend to and one of them is insufficient funds and accumulating charges versus income and an appropriate balance to be kept. One of them is my son going to college himself this spring. 

The whole check of a months worth of work is gone without notice of its being taken or even a 40 % amount would have been impactful, consequential and resonable enough but the whole paycheck? 

Why has the federal government allowed this to be carried out as such? Versus a reasonable and understandable amount? The latter is counterproductive to domestic down to earth income and survival. Why did the federal government take a full income and feed it to a loan corporation in its entirety? Why was I mistreated to a 100 % garnishment? Is it some kind of a backwards lesson to an already vulnerable poor and lower class prejudice that clouds financial realities? Why do the treasury carry this out for a corporation when they could have taken a portion? 

Sincerely, XXXX XXXX XXXX, XXXX
The TransUnion credit reporting agency incorrectly deleted my XXXX credit account in the year XX/XX/XXXX. I have been trying since XX/XX/XXXX to have the account re-opened. XXXX has sent three separate requests to TransUnion to report the account, but TransUnion has taken no action to re-open the account. 

The account was being reported on my wife 's TransUnion credit report as recently as the year XX/XX/XXXX ( TransUnion file number XXXX dated XX/XX/XXXX ), and so we submitted an online dispute on XX/XX/XXXX asking to have the account reported on my credit report. The TransUnion investigation results listed the account as " Deleted '' ( file number XXXX dated XX/XX/XXXX ), and we later discovered TransUnion had deleted the account from my wife 's credit report ( file number XXXX dated XX/XX/XXXX ). 

XXXX submitted their first request to the XXXX major credit bureaus to report the account in XX/XX/XXXX, and discovered both TransUnion and XXXX were not reporting the account. XXXX has always reported the account. XXXX sent a second request on XX/XX/XXXX to have the account reported by TransUnion and XXXX. XXXX is now reporting the account per their Report Confirmation number XXXX dated XX/XX/XXXX, but TransUnion is still not reporting the account ( TransUnion file number XXXX dated XX/XX/XXXX ). I contacted XXXX again on XX/XX/XXXX about this issue. Their investigation dated XX/XX/XXXX revealed the account ending in XXXX is being reported by both XXXX and XXXX, but not TransUnion. 

I sent another dispute letter to Transunion on XX/XX/XXXX asking them to re-open the account in question and provided the above details. They responded with a form letter dated XX/XX/XXXX indicating the information I am disputing " does not currently appear on [ my ] TransUnion credit report. '' The XXXX account is our second oldest credit account, having been opened on XX/XX/XXXX per my wife 's TransUnion file number XXXX dated XX/XX/XXXX. TransUnion 's continued refusal to fully investigate and report this account is causing my wife and I potential harm by not accurately reflecting our current credit history. I have made a good faith effort over several years to resolve this dispute, but am now asking you to intervene on our behalf. I believe TransUnion needs to speak directly to XXXX to understand which account should be reported. XXXX has tried to have the account reported through conventional means ( and succeeded with XXXX ) ; and our attempts to have the account reported only resulted in TransUnion deleting the account from my wife 's credit report. 

Thank you for your time and attention to this matter. If you need any additional information, please let me know.
Back in XXXX of 2015 I opened an account Online with BBVA Compass Bank. On XX/XX/XXXX I received a letter indicating that my account was approved and all was required was the opening deposit. On XXXX XXXX, 2015 I mailed in a money order in the amount of {$40.00} in order to have my account opened. A few days later I received another letter from BBVA Compass Bank that the account can not be opened due and issue with XXXX. So, I called the bank in XX/XX/XXXX top get my deposit back and the bank told me to call a week later. Called the bank a week later and I asked to have my deposit sent back and the bank could not locate it or could not give me any information. I have been calling the bank almost everyday and they can not locate my initial deposit of {$40.00}. I made a call to trace the money order and it was cashed on XX/XX/XXXX.I made another call to the bank today and they placed me on off on hold and at the end they tell me they can not locate the money order. The bank is not being helpful at all. how can a deposit go missing? It has been cashed. I need to have the bank investigate this further and pay me an additional {$100.00} for my time, calls and lack of service. And I have also noticed the bank is not being honest with me in regards to what has happened to my deposit.
I have disputed a {$230.00} cc charge XXXXAT on XX/XX/2016 on my XXXX card. They have not reversed out the the disputed item charge even after I provided the necessary documentation. XXXX keeps talking about a dispute charge with XXXX. I never disputed a XXXX charge.
I disputed the invalidated, inaccurate information with XXXX regarding the negative account and the information that this company continuously report on my credit file. I have sent them a certified letter requesting validation of this debt/information once I was aware of what they were reporting and the negative, inaccurate information. These accounts was paid by insurance before collections and they continuously state that it is not. I contacted the original creditor and they also do n't know what exactly this credit agency is trying to collect.
XXXX XXXX XXXX for XXXX XXXX sends me a letter XX/XX/XXXX stating they are suing me for a debt that judgement was made against me back in XX/XX/XXXX. I wrote them and asked them not to contact me again and I looked on the XXXX XXXX circuit court and they resubmitted something to the courts recently with an incorrect date of XX/XX/XXXX trying to re age the debt that has exceeded statue of limitations. XXXX XXXX kept telling me they had no record of what I was talking about and this has been removed from my credit report. I was fired from a job in XX/XX/XXXX because they tried to garnish my wages.
Information is being inaccurately reported on my credit reports. The information is being reported by XXXX. I previously tried disputing information with the credit bureaus. Each bureau came back indicating that the account was either verified/updated. My last attempt was trying to clear the matter up with XXXX. On XX/XX/XXXX I faxed a dispute to XXXX advising that information was being reported incorrectly and that I would like for the 12 accounts of which they are reporting to be removed. I called XXXX on XX/XX/XXXX just to confirm receipt of my dispute. I was advised that a decision was made on XX/XX/XXXX and the request was denied. I have not received any correspondence advising of the denial at this time. I don't understand how a complete investigation can be done in a day 's time. I do not believe that XXXX has done its due diligence in investigating my dispute. These accounts are reporting under XXXX on my credit reports. These accounts have been closed and transferred so I really can't understand why XXXX is refusing to remove the accounts considering they are reporting inaccurately. It appears that they keep updating my payment status which is somehow prolonging the length of time for them to report. The attachment provided clearly shows that they are reporting my account current and then the following month with 90 days late. How can you be 90 days late without being 30 or 60 days late?
OnXX/XX/XXXX I suspended my XXXX XXXX account due to an XXXX XXXX in XXXX XXXX ( Military ). Which I have XXXX XXXX XXXX XXXX.A couple of months into my tour in XXXX I attempted to lift the suspension on my account to attempt to connect service where my dependents were staying in CA.When I tried to open the account back up my account could not be found.On XX/XX/XXXX, I opened a new XXXX XXXX account ( Account still active and still in good standing ) and made several attempts to rectify the issue having to do with the account suspended in XX/XX/XXXX.No information could be found on the suspended account. On XX/XX/XXXX after the current account had already been opened I received a letter from XXXX XXXX stating that my account had been sent to collections ( Already having a current account ). Upon receipt of letter I attempted to call XXXX XXXX directly to rectify the issue and it turned out that my information on the first account had been annotated completely wrong.Making it troublesome for me to be able to relocate my past account. When I was speaking to the representative the rep told me that there was nothing they could do, but that I could pay my account to rectify the issue.My wife 's name was completely wrong, my name was completely wrong, and my SS # had been annotated wrong by 1 digit.This was a mistake on the provider 's part not mine.As of now, the " delinquent '' XXXX XXXX account negatively affects my credit even though I have a current XXXX XXXX account in good standing.