WillisBack/dataset-financial-user-claim huggingface dataset:
Went into branch XXXX/XXXX/15 ; made cash withdrawal of {$610.00} before XXXX ; next evening, XXXX/XXXX/15 after XXXX called auto system to check balance ; I was given an amount of over {$600.00} by the automated teller ; was assured by customer service agent that the amount of the balance quoted was correct and it was from my employment ; transactions were made ; I was charged overdraft fees all because someone in the branch did not do their job correctly and I was led to believe this money was available. If cash is withdrawn from an account, how can it still be there? I thought it was a bonus ; I do get bonuses from my employment. The amount of overdrafts reached an amount that was more than my next paycheck. The bank did take responsibility for part of the overdrafts but the fact still remains that I had to pay for someone else 's mistake. Why would it take over 24 hours for a cash transaction to post? My guess is someone was not paying attention. 
Just the month before I went to the same branch office and asked to withdraw the same cash amount from my saving. The same teller withdrew money from my checking account when he/she could plainly see that the amount requested was not in my checking account! I 'm standing right there. Could n't she have just checked with me to make sure it was the correct account? That time also I called to check my balance the next day and found my checking account overdrawn! This time when I spoke to a customer service agent I was able to transfer the proper amount of funds from savings to checking to cover someone else 's mistake.
Good Day : I am experiencing hardship and my mortgage is upside down. I solicited help through HOPE and was connected to XXXX. Who assisted me with my application with Citimortage for a loan modification. My application was sent XX/XX/2015. We were assigned an agent who we found to be very disrespectful of our time. Both the counselor from XXXX and myself were extremely disappointed and filed a complaint with a CitiMortgage supervisor. After our complaint were reviewed, I was assigned to another agent. 

I find that CitiMortage makes it difficult to speak with agents and deliberately makes the process daunting. Also, agents do not keep their appointments which makes the process very difficult. 
After calculating my expenses etc and going over my present hardship. XXXX agreed that I qualified for the Making Home Affordable Program. And suggested what my mortgage will be reduced too to assist me. 

Due to the fact that my XXXX counselor is on the XXXX XXXX and I am on XXXX. We scheduled specific times to speak with the representatives at CitiMortage, who made the process very difficult. 
When, I finally got my application in. The process became very confusing and I felt that either the process is discriminating, or CitiMortgage designs the process to frustrate its borrowers. 
I received a document form Citimortage on XXXX XXXX. Stating that I will receive information concerning my Making Home Affordable Modification Program, Payment Trial Payment Plan. The letter stated that once I met the terms of XXXX XXXX. My loan XXXX be permanently modified. 
After this letter I continued to received other notices that did not make sense. 

I called my agent at XXXX, she explained that the letter usually proceed with your offer. 
Weeks went by and I continued to receive baffling notices. I took time off for my work to call CitiMortgage and no one can confirm that I had received this letter. But they continued to asked me to send more information. 
When I finally spoke to my representative, XXXX XXXX, she finally stated that I should not have received the letter. 
At this point I was exhausted with the process and so was my agent at XXXX who was assisting me. 
However, after speaking to XXXX XXXX, I continued to received notice upon notice from CitiMorgage stating that I have been assigned to a new representative to assist me .... 
Frankly, I have never been so confused about a process and I question a big company like CitiMortgage motives. Once again I am not sure what to think of CitiMortage 's process. 
Please assist me in keep my home and providing me with an affordable mortgage. I am a good customer. 
Thank you XXXX XXXX XXXX
Lender states I owe money on a Mortgage related debt. I do not own the home anymore. I do not owe the debt under California Code Civil Procedure 580d and Code Civl Procedure 580b I wish to have copies of all my loan documents to determine why this lender thinks I owe money ...
I graduated in XXXX. I started college in XXXX in which I took out a XXXX XXXX loan then switched to navient. After 3 years of graduating out of no where they uped my monthly payment TWICE as much. I was paying {$170.00} and bam out of no where {$500.00}. I called to lower my payment and instead of working with me on a plan, they told me I could pay {$200.00} each month but in 2 years I then would be paying {$400.00} and in 5 {$700.00}. It 's ridiculous.
A bill for {$57.00} was sent to AMSHER COLLECTIONS for a medical debt that I wasn't aware of at the time. 
I paid the amount to AMSHER COLLECTIONS for Account XXXX over the phone in XX/XX/2018. I have proof from my bank that the amount was paid, and I sent them an email stating it had been paid. However, they reported it onto my credit as a debt in collections. It is on my credit report currently, and should not have been reported as it has been paid. 
It is showing as a debit on my Bank Account on XX/XX/2018 going to AMSHER that was put in on XX/XX/2018. 
However, they've reported it on my credit report as an unpaid collection.
PayPal has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
As I write this I am in tears since being victimized by IDENTITY THEFT in XX/XX/XXXX and the credit reporting agencies failing over and over and over to remove fraudulent attempts to apply for credit because EQUIFAX breached my identity and they now have my : DOB SSN Current Address All three of the credit reporting agencies were sent VIA FIRST CLASS MAIL a request for 7 yr fraud alert along with copies of the XXXX Police Report filed after my identity was stolen. To date, none of them have put this 7 year fraud alert, and when the 90 day alerts expire, that is when the flood of fraudulent applications appear again as hard inquiries, which continue to plummet by FICO score and I have had to spend hours and hours with the creditors to tell them I did NOT apply for credit, or I have to cancel credit cards that have been used online fraudulently. I have gotten to the point where I have chosen to cancel credit cards because the banks that represent them have failed to secure my identity, and continue to let applications through even though their are security freezes and fraud alerts on all 3 credit reporting agencies.

I had an average credit score of over 800 prior to EQUIFAX ruining my score which has plummeted 25 points and higher because they REFUSE to remove the hard inquiries.

I have screamed at EQUIFAX and they said that they are XXXX   inquiries, and you have to contact them,, over 120 days ago I did just that after being flooded with letters from creditors saying they turned down my credit because of too many inquiries and applications for credit that I DID NOT do.

prior to XXXX  being notified I was told I could put a security freeze, which I do have in place BUT they still have refused to remove the hard inquiries and now my FICO score has dropped 25-40 points since XX/XX/XXXX.

Now I am considering legal action by going to XXXX XXXX XXXX reporters to help me get them to do their jobs and when the Trump Administration 's XXXX, your new Director dropped the complaints and investigation with CFPB on Equifax data breach and I am livid about that.

I can't get any credit because after months the hard inquiries are still on my report. XXXX told me they would do an investigation and remove them! They've done nothing expect ruin my life since I have to field weekly calls, letters, and emails stating I am applying for credit and is this fraud?

that 8 hard inquiries were fraudulent and I provided a POLICE REPORT, I provided correspondence to make the 90 day fraud alert, permanent for 7 years
CFPB, Back about 18 years ago I was at sea and I was a victim of identity theft. I caught this when I returned from sea and after about 8 months I was able to clear up this incident with the help of my local police in the town of XXXX, XXXX. I have been a resident here since XXXX, the identity theft happened in XXXX. They used my information to apply for CC and other accounts but instead of using my correct address and employer ( XXXX XXXX ), they use XXXX, XXXX and XXXX XXXX XXXX in XXXX, XXXX. Eventually, after at least a dozen credit denials, a mistake was made by either XXXX, XXXX, or XXXX  approved one of the credit applications an thus updated my records to show I worked at XXXX in XXXX and lived in some abandoned house in XXXX, XXXX. Neither of this information was true and even though I had a police report about the identity theft, they would still would address my claims to correct their mistake. 
All attempt thru these agencies to try to remove this fraudulent information have gone unanswered all these years. 
I eventual gave up trying to get them to address their mistakes but thought after visiting this website, I would give it a try again.
I repeatedly sent this to XXXX and it still has not been corrected.I have called them, faxed them and gone online to no avail. See copy of fax below. The response was my request was illegible and unclear. 
-- -- -- -- -- -- -- -- -- -- -CONFIDENTIALExperian DFA TeamFAX XXXX Pages : FROM : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MI XXXXDOB XX/XX/XXXXXXXXH XXXX XXXX cell XXXX XXXXXXXXXXXXSUBJECT:1. Correct my address. Delete XXXX XXXX XXXX. There has NEVER been an apartment, it is a home. 
2. Correct employment to : XXXX XXXX XXXX. Add a free security freeze to my account since my identity was stolen. 
4. I am not XXXX Military. I am a XXXX XXXX XXXX XXXX. 
5. Delete the address XXXX XXXX XXXX, XXXX, MI XXXX. I have never lived there. This address was reported to you by XXXX. It was the address used by the thief that stole my identity. 
6. Put a free security freeze on my account since my identity was stolen. 

Enclosures:1. MI driver 's license2. Homeowners policy3. Utility Bill4. Police Report5. XXXX letter stating the account opened in my name is not my account and I am not responsible for the charges.
I have been calling Equifax and XXXX to remove or at least update my XXXX  XXXX University Personal Loan item from my Account. 

The account was paid in full XX/XX/2013, however my credit reports now says that the item is over 120 days unpaid which is not true. I am submitting an authorized letter from XXXX  XXXX University stating that the account was paid in full XX/XX/2013. 

Please have this updated to the correct status or remove it completely because it is full of inaccurate information.
I sent a payoff for this card in the mail in addition to my other banks auto draft to pay. I sent the payoff the end of XXXX. I received no calls or letters showing that a payoff payment had not been received. When I checked my credit last week I saw it had been lowered by XXXX points due to late payments. I called and they were unhelpful and unwilling to provide any consideration for my situation despite me explaining I mailed the payoff and never got contact from them that they did n't receive payment. As soon as I heard I called and payed the payoff right away. I am suppose to close on a house in 2 months and I 'm this error could cost me my home and my XXXX deposit. I was suppose to get a call back from a manager but never did. This was concerning TD bank credit card.
I called Ally Bank on XXXX/XXXX/16 for a loan extension I was told it was accepted then from XX/XX/XXXX to date I have been getting collection calls from XXXX something more than 4 a day. I called Ally and spoke to US people three times over 5 hours on the phone with promise of call back and resolution never a call back. The on XXXX/XXXX/16 I posted this on Ally XXXX XXXX called from Florida and said she would call back and never did I left many voice mails. XXXX even asking to do a extension now never a call back
I have been contacted multiple times in the last two months by a company that identifies as CBE Group. I have blocked their numbers but they continue to call from different numbers. Today, they called from the number XXXX. I called back and a female-sounding voice answered the phone. I asked, " Who is this? '' She responded " CBE Group. '' I said, " No, who are you? '' She responded, " I am a manager. '' I said, " You will not give me your name then? '' I told her that they have been harassing me for over a month, and I understand my legal rights ; do not call my phone number again. 

I have no debt collection that I am aware of. My credit score is in the " Good '' area, I pay every one of my  bills on time, and the only debt that I have is the debt from XXXX XXXX  that I am not expected to pay until I start work as a XXXX XXXX this XX/XX/XXXX. This is harassment, and I expect this company to be held accountable for it.
It was a long time ago ... i have spoken to several customer service and upper management whom all have said one thing or another ... But my last call was weird. A supervisor said oh yes i see it was corrected and we will contact the credit report companies ... and literally within the same call moments later he said oh wait all the info is gone ... ( so confusing and i think they messed up and i am still paying for it ... )
Date:XX/XX/XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX Transunion I am writing to dispute the following information in my file. ( XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, and XXXX XXXX XXXX # XXXX XXXX. According to section 609 of the FCRA these item is inaccurate and falsely reported onto my credit file. I am requesting that the item be deleted. 


Again please reinvestigate this matter according to FCRA section 609 and delete the disputed item as it states the consumer has protection against false and erroneous reporting. Furthermore the creditor is responsible for providing a copy of the orginal creditors documentation. I requesting for the items mentioned above be removed immediately. 

Sincerely, XXXX XXXX
Wells Fargo bank is continuing to attach late fees onto my mortgage each month for a single rolling 15 day late payment on an amortizing negative amortization ( the only amortizing " bi-weekly '' neg am '' loan in the market at the time we got the mortgage, which was over 5 years ago and originally initiated by Wachovia Bank and purchased by Wells Fargo ). This late payment happened more than two years ago. In essence, they are compounding monthly interest on that single rolling late. I already know this is an illegal procedure. In addition, my loan " note '' calls for a grace period on the mortgage payments which are due and payable every other Friday. According to a report from my employer which is a large national mortgage company, Wells Fargo is recently reporting late payments to other lenders and major credit bureaus that I 'm working with. Our mortgage payments are not late which we can prove because we pay everything electronically. This too is completely illegal and an attempt to hold me in a predatory loan by preventing me from re-financing out of it which is what I 'm attempting to do and will do in spite of this horrible banks shenanigans. Wells Fargo is the most despicable organization on the planet in my opinion and worse than XXXX in my opinion because XXXX at least claims to have a cause that is not tied to " make money at any cost '' as its sole motivator. Additionally, I would urge anyone in the country with a Wells Fargo mortgage loan to demand a written payment accounting from Wells Fargo and to assess all late payment charges if they have any. 
Update : I went to Wells Fargo Bank and they admitted they were not aware of my loan note requirements. They stated they would stop accruing late charges and would follow the loan note mandates and call me to rectify. This was one week ago and so far, I have not heard from anyone at Wells Fargo that has promised to keep me updated, including the Wells branch loan manager who also promised to e-mail me an update.
Ditech ( formerly Greentree Servicing ) holds the second mortgage on my home. I have never missed a payment, nor been late on a payment in 8 years. Recently with the acquisition/merger, the ability to view the account ledger to show the activity and payment processing has been made available. In this balance sheet, it was noted that the payment was not being properly applied on the date of payment. The payment is still processed manually with a paper payment sheet, paid by check and sent by USPS first class mail monthly. The payment stub XXXX spaces for the customer to complete : Total Enclosed Dollar Amount, and Extra Amount to Principal. With each payment made, an additional amount toward the principal is always sent ( even though the mortgage is an interest only loan ). The appropriate amount ( overage ) is entered into the 'Extra Amount to Principal ' box with each payment, and is calculated by using the Total Payment Due subtracted from the total amount enclosed, where the payment amount due is the interest amount due for the monthly payment. Dating back to at least the XXXX quarter XX/XX/XXXX, the misappropriation of funds has been occurring resulting in turn having to expend considerable time each month calling the mortgage servicing company, to have the statements corrected. This was XXXX noticed though, only in XX/XX/XXXX, during that time the misappropriation of funds during XXXX quarters summed approximately {$2500.00} dollars above and beyond the required total payment due ( which all should have been applied properly to the Principal amount outstanding on the mortgage ). At times a delay of up to 72 days forward accrual can be seen on the accounting register ( meaning that a payment of principal in the amount of {$250.00} with a transaction date of XXXX will show an effective date of XXXX ). With an Actuarial type interest rate of 9.5 % the cost overrun which I am overcharged, just for this XXXX occurrence averages approximately {$3.00} per month, that the non-applied principal monies remain in flux. In essence, an over-payment in the amount of no less than {$27.00} has been made in the favor of the servicing company, which is unaccounted for funds.
XXXX XXXX that is damaging my credit score and it is incorrect information in my record. I never received any calls on this, and as soon as I found out I called XXXX. I spoke with XXXX XXXX representatives, and with the collections agency that XXXX uses and none of them saw an outstanding balance in my account. I would like it removed from my credit score as soon as possible.
When I initially bought the car in XXXX. The dealer said that my loan was for a little over XXXX. Yhen when I went to pay my initial payment I seen that Prestige had me principal balance listed at over XXXX. Which I have proof that I signed a contract for the XXXX. I am not sure where the switch and bait occurred, but it did. I asked the customer service rep why was my principal balance stating that and he said he didnt know I needed to talk to the dealership. When I talked to the dealership they had no idea what had occurred and why there was a difference. Which according to reports and complaints online I am not the first person this has happen to from this predatory loan company. 

I've never recieved a phone call explaining to me what happened or any more additonal information. 

In XXXX I made a payment to Prestige and they took the payment out twice. I paid and then they ran my card again unauthorized causing the payment to come out twice. When asked about it they blamed me and said it was my fault and they would return the money. They returned it then the next day took it out again. When asked about it they never respond. I have sevral emails and text messages showing me asking about my double payment and I've never gotten an explanation or response. 

I changed my due date to the second half of the month. In a text message/email I requested they send me paperwork stating and showing such to this day I have never recieved the paperwork. Which I also have proof of. 

I have been 2 days late a couple of times, no more than 10 ever and every month they harass me before my payment is even due via text message and email. Then in XXXX I asked them why are they harassing for being two days late but never respond about my double payment then again they go silent. 

In XXXX I pulled my credit report and on my credit report they have it listed that I paid over XXXX and no payment was made for XXXX, but thats a lie, because I have never missed a payment and I have bank statements and a receipt from XXXX XXXX for the one time I used bill pay because I was afraid they would take the payment out twice again. 

I called them and asked them about this matter and they hung up on me. I emailed XXXX XXXX who is the one who harasses me month after month and he never responded. That XXXX payment should have made me a month ahead, but they didnt list it as such. They stole my money and then said I missed a payment which I didnt not and I have proof for. 

According to the XXXX  and other complaints this predatory company has done this to several people. 

I told them that I plan to sue and I do. For the harrasement and the unethical practices. Which they have several lawsuits pending against them for the same thing right now. 

I am a XXXX XXXX  XXXX veteran and I have served my country well not to be preyed on or taken advantage of. Only reason I am stuck with them is because I went through a bad divorce and had to start over. Again I have paid them on time every month except for being maybe 2 days late ( which I have proof of ), so I am by no means trying to get away with not paying my bills.
I am attaching the investigation request I sent to the credit bureaus on XX/XX/XXXX. They were supposed to respond within 30 days, and have not.
TODAYS DATE:XX/XX/XXXX XXXX, XXXX XXXX SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Dispute Department XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : N/A XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX, XXXX XXXX