WillisBack/dataset-financial-user-claim huggingface dataset:
On  XXXX / XXXX /  XXXX   I made out a check from my business account,  XXXX   XXXX   XXXX , to  XXXX   XXXX , who never received the check. On  XXXX / XXXX /  XXXX   someone cashed this check through   XXXX   XXXX   XXXX   and   XXXX   XXXX   XXXX   accepted the check without an endorsement on the check.  People 's B ank then in turn received the check and paid out the {$800.00}. They are advising me that   XXXX   XXXX   XXXX   is doing  a Fraud i nvestigation, but in the meantime I am out {$800.00}.     It has now been 5 months and I have threatened  People 's Bank that  I am taking my money out of their bank. They now have given me the {$800.00}. temporarily, until   XXXX   XXXX   XXXX    do es their investigation. If   XXXX   XXXX   XXXX   does not give them their {$800.00}, they are taking the {$800.00}. back from my account.     My complaint is, why am I out {$800.00}. when both banks were not supposed to cash that check without an endorsement? They and their employees were not diligent and they should be out the {$800.00}, not me.
I got a mail letter by DEBSKI & XXXX stating that I must provide to them for the past 3 years the following : Bank statments/ Income Tax Return/ XXXX Property under my name/ Car under my name/ IRA fund/ XXXX. I do not know the reason why I should provide all of this Important and private documents to this company. 
DEBSKI & XXXX also ran a Credit Report under my name without my consent. Wich means that the have my SS # and all my personal information. I do not feel comfortable by knowing that DEBSKI & XXXX has all my personal and private information.
I received a letter from Fidelity Creditor Service, XXXX XXXX, XXXX CA XXXX. Telephone number XXXX. 

They said I owed {$1000.00} plus interest of {$110.00} for a total of {$1100.00} that I owe. This was for service from XXXX XXXX on XX/XX/XXXX and I received this letter on XX/XX/XXXX. 
XXXX has been paying my medical bills. This bill was the first time I ever received a bill for this service. I never even knew that I had a bill. Seems odd that Fidelity could send me a bill but XXXX XXXX could not send me the bill. 

So, I get this bill and then I ask for a itemized bill for the date of service and XXXX XXXX said they could not send it to me a copy of the bill since it has gone to collections. I asked collections for a copy of the bill for the money they say that I owe them and have not heard back from Fidelity as of today. 

Also, I am getting charged interest for a bill that I did not know I even had. That just is not right. 

I need assistance with this matter and some advise on what I should do. 

Thanks for the help.
On the XXXX of XXXX, I received a letter from the XXXX XXXX XXXX XXXX   claiming to represent a company called XXXX XXXX. My only connection with this company was XX/XX/2017 when I paid them a security deposit of {$170.00} as required by the " XXXX on XXXX '' apartment complex for the apartment XXXX on XXXX XXXX XXXX. I fullfilled my one year lease and terminated it my lease directly after the end of the year. I was already in living in Maryland and received a call from the XXXX on XXXX manager about submitting my proof of lease insurance. I verified with them that I was no longer a resident of the property and turned in keys and fobs to the management. They said they were going to correct their files and apologized for their error. 

Now in XXXX, I am receiving this notice out of nowhere.
a mortgage co bought out my mortgage and kept putting partial payments in an account they called " unapplied funds '' even though I told them it was extra principle over and over again. when they finally applied the funds correctly, they cheated by not applying them to the correct month. as a result the discrepancy continues growing each month despite my constant complaints
I am only within 10 days late of my auto loan and I have been harassed non-stop every day. I receive calls at least four times a day, every day. I will never accept an autoloan with them again
I filed a proper dispute with Equifax on a reported judgment that was never recorded. My credit report is allowed to show ONLY " Judgments of Record. '' I disputed this judgment with Equifax , sent Certified mail ( tracking # XXXX ) on XXXX/XXXX/2016, on the grounds just stated. Equifax received my dispute on XXXX/XXXX/2016 according to USPS tracking information. My dispute results are dated XXXX/XXXX/2016 where Equifax states that the results for the judgments are : 1. ) We have verified that this public record is reporting correctly. 

I have checked with my XXXX County Clerk of Court, as well as checked the recorded instruments myself, and there are NO RECORDED JUDGMENTS that exist for me ( proof is attached ). In my dispute letter, I asked Equifax to provide Method of Verification if somehow they verified any existence of recorded judgments for me. I received no Method of Verification, and also the Clerk of Court has no way of verifying the " non-existence '' of a recorded document. 

It is clear that Equifax has not properly investigated this matter within the few short days that it took to read my dispute letter and update my credit file. 

Please note, The XXXX County Clerk of Circuit Court records, indexes and permanently stores ALL recorded judgments with real estate records ( land, deeds, etc ) for XXXX County. The county has no record on file matching what appears on my credit file. 

I have also included a printout from the XXXX County website which shows the website used to search XXXX County public records ( XXXX ) is the valid source to find these documents. This list shows all of the public records that exist in my name, none of which is the judgment being reported in my credit file. I have also included the letter originally sent to Equifax , the credit report with disputed judgments, the USPS tracking ( # XXXX ) showing the timeframe between the dispute being received and the results being sent, and the results of the Equifax dispute. Please delete this judgment from my credit report. 

Please use the proper resources provided by the XXXX County Courts to research Recorded Documents/Instruments, as an automated verification with a third party, or using lists of case files are not thorough investigative actions in researching valid Recorded Documents. 

XXXX County Register 's Office at ( XXXX ) XXXX XXXX County Land Records website is XXXX ( Clerk of Court will verify that judgments are in fact listed here with real estate records and deeds if you call or email XXXXXXXXXXXX to inquire ). 

Thank you very much for your time resolving this matter. 

XXXX
On XXXX/XXXX/2016 I had called in to request a forbearance be placed on my account because I could not make the payments. During this phone conversation, I also requested that all of my loans be placed on an Income-Driven Repayment ( IDR ) plan. I was emailed the XXXX Request Form and the Income-Driven Repayment Plan Request Form ; XXXX applications were faxed to ( XXXX ) XXXX on XXXX/XXXX/2016. 
I called today XXXX/XXXX/2016 and was told that I am past due on my payments. I was also told that there were no notes made requesting any forbearance or IDR plans.
This is a complaint about the handling of the security breach that happened XXXX XXXX through XXXX XXXX. 

The only protection Equifax is offering at no charge is for one year. This needs to be extended to life. It also should be provided from an outside source not related to any credit reporting agency and paid for by Equifax. This is because Equifax has shown they can not be trusted to keep the data secure. 

Equifax should be investigated about this breach and made to explain the delay in notifying the public. They should also be investigated for insider trading.
My name is  XXXX   XXXX . My wife and I was approved for a {$150000.00} FHA Mortgage  Loan from Quicken Loans. The Purchase Mortgage Banker name  is  XXXX   XXXX .  XXXX   XXXX  called me daily asking me have we found a house that we wanted to bid on. We exchanged numerous emails and phone conversations with  XXXX  giving me house hunting information. I have a copy of the Preapproval letter in my possesion as I 'm typing this complaint. The preapproval letter has an expiration date of  XXXX   XXXX ,   XXXX  . When my wife and I decided on a house that we wanted to purchase, I called  XXXX  like he told me to and he told me that he was going to adjust the preapproval letter to the purchase price of the house which was {$140000.00} and that he would contact me when he was finished so I could copy it from my email and give it to the Real Estate Agent.  XXXX  calls me  45 mi nutes later and tells me that the loan fell through, because of the yearly income. If that 's the case then I was lied to. I was told that this just happen. That 's   XXXX   XXXX   because he had many opportunities to say this to me in the beginning process. Can someone please call me at  XXXX . Thanks
Received a letter from ARA, XXXX XXXX XXXX, XXXX XXXX, IL XXXX, at my father 's address which I do not live there and have not lived there since I was XXXX yrs. old. Also, it is mailed to a name that I have not been legally under for over 10Yrs. 
This is debt is over 20 Yrs old and was written off/ charged off and the balance that they are trying to collect is completely fabricated
Credit card ws stolen and used by someone else back in 2003.Six months ago a credit card company begin trying to collect the debt. I am on a fixed social security and small XXXX pension. I am afraid this company is trying to destroy my small income. They are causing me a lot of stress. My daughter has been helping me to respond to them.
The credit bureaus Experian, XXXX, and XXXX are missing some or all of my XXXX credit card accounts and payment histories. They are also missing car loan and mortgage histories. They 've claimed these accounts are not reporting to them or that they are up to date which they are not. It 's not possible that these 4 XXXX, XXXX, and XXXX accounts do n't report to some or all of the XXXX credit bureaus. In fact I 've confirmed that most report to all XXXX. Apparently when credit history is missing they do n't consider that an error like I do. This has damaged my credit. Where my credit should be excellent, according to them it does n't exist or I have no payment history. I will try to include these supporting documents : XXXX Credit cards and ID 's pictures sent to all XXXX bureaus, XXXX XXXX XXXX property whose mortgage is paid in full but does n't appear on any credit report, XXXX. Utility bill showing current address, XXXX. ExperianXXXX, and XXXX Credit Reports, Dispute Forms and Dispute Results, XXXX. XXXX previous letters from credit card companies stating that they are reporting to all XXXX bureaus which I sent to them and they ignored.
I opened a secured card several years ago with Wells Fargo for {$1000.00}. I closed the account on XX/XX/XXXX with a {$0.00} balance and they said my deposit should be returned within 30 days. I still haven't received my deposit back. I'd like the CFPB to intervene and instruct them to return my deposit that is rightfully due.
A debt that I never had, has shown up in my credit report. A Capital One credit card ; showing over {$3000.00} worth of debt. I have Never had a Capital One Credit Card. They said this is from 2008 yet has just now showed up!!!! I want this off my credit report, now!!!
I have an automobile loan with Honda Financial Services. I will admit I'm a slow pay ; however, I have never been 30+ days late. However, once the grace period ends, Honda Financial Services collectors call on an average of 3 - 5 times a day. I have asked them every time that they call to please stop calling me so many times a day that it is bordering on harassment and that I would report them to the appropriate authorities. 

Their response to me was go ahead. We don't care. The regulators do nothing and won't do anything.
On XX/XX/XXXX I received an alert from XXXX stating that a lender reported a balance of XXXX and that I was 90 or more days late. This account has been charged off since XX/XX/XXXX without any billing statements sent since XX/XX/XXXX the charge off amount was around XXXX. XXXX XXXX continues to charge interest on a charged off account without sending or generating bills which is a direct violation of the truth and lending act. XXXX XXXX liaison XXXX XXXX continues to ignore the law and has also marked all my complaints as duplicates when they are not. Each month XXXX XXXXXXXX sends a new amount to the credit agency on a charged off account hence there's new complaints to be sent in. I have filed a writ and summons against the company to appear before a judge in CT superior court and also have filed complaints with the ct department of banking.
I have a checking/debit card account with XXXX XXXX XXXX. This week I noticed the two charges to my account were made, one for {$600.00}. and another for {$99.00} on XX/XX/2018. These charges were filed by a company called " XXXX '' .. I immediately reported this problem to XXXX XXXX XXXX Fraud Division. They said they would make inquiries and froze my account to any other charges that would be made. Now, being as my account has been frozen, my retirement checks and Social Security checks will go into my account but the funds will be frozen. I have no way to pay my mortgage and my bills! I called this company " XXXX '' and told them the confirmation # that was listed on their withdrawal. ( XXXX Transfer Conf # XXXX ) and I asked their agent where or to whom was this money transfered to. He told me he could not give me any information concerning these charges. This is wrong and is Fraud.. This company should be held responsible to tell me who asked them to charge my checking account.
These debts have been reported to Commonwelth Financial in Pa. The Original creditor is XXXX XXXXXXXX XXXX XXXX XXXXXXXX. 1.. XXXX XXXX. 2. XXXX. XXXX. 3. XXXX. XX/XX/XXXX. I have contacted XXXX XXXXXXXX XXXX XXXX XXXXXXXX they said they have nothing in my name. XXXX XXXXXXXX XXXX XXXX  XXXX is XXXX. Commonwelth Financial in PA XXXX said that these accounts were sent to them from XXXX XXXXXXXX XXXX XXXX XXXXXXXX. These three accounts have been removed from all 3 credit beauas and added back on with the same Name Commenwelth Financial out of PA. I had idenity theft of my Ss Card and DL on XX/XX/XXXX until XX/XX/XXXX. I reported this to our Police Department in Texas, in the county that I live in. On the report it Syayes that this is a Case Summary Report case number XXXX but Commonwy Financial said this is nota Police Report. So I Called the XXXX Police Department And have them the case number and advised them I needed A Police Report not a Summary case report. XXXX XXXX at XXXX Police dept ph number XXXX XXXX XXXX advised me that a case summary report and a police report where the same. Commonwelth Financial advised me that if I Dont provide a police report that these 3 Accounts are mine and I have to paid these account Per XXXX.. Also XXXX advised me that now these 3 Accounts have been turned over to a company called XXXX XXXX XXXX Phone Number is XXXX Called then and got Answering Machine. Left my Name and Number and have not heard back from them. I checked with the XXXX reviews and there is a statement that said that Commenwelth Financial and XXXX XXXX XXXX are scams. Please let me l ow how to get these People to stop putting these account on my. Refit Reports ... I have tryied everything and still asked to Pay these accounts that are not mine ... if you need additional information you can contact me at XXXX XXXX XXXX ...
I leased a Nissan in XXXX and traded it in XXXX XXXX, 2 months before when my lease had ended. The dealership paid off the lease in full on XXXX XXXX, XXXX. On XXXX XXXX, XXXX a woman contacted my nephew and wanted my phone number and said that I needed to fill out paper work from Nissan. I contacted the woman immediately and informed her that I traded car in XXXX and car lease was paid in full. She said that I have n't paid payments on the car and she will let her supervisor now that I no longer had car and she will call me back. I checked my credit report in XXXX XXXX and discovered that the company had my credit lowered stating that I was 3 months behind on payments. I contacted the car company and I was informed that the car is missing and I am liable.
Chase Bank, took 3 1/2 years to approve a short sale. During that time they reported " past due '' on my credit reports at the XXXX credit reporting bureaus, XXXX, XXXX, and XXXX. 
They took 3 1/2 years to approve a short sale, to sell my home. 
I feel that they did this with malicious intent, for 3 1/2 years they reported negative information to the credit reporting agencies. By doing so THEY DESTROYED MY CREDIT ( FICO is XXXX ). 
Because of this NO ONE WILL RENT ME AN APARTMENT, even though I am DEBT FREE. 
I remain HOMELESS. 
Because they did this with Malicious intent, I DEMAND that CHASE BANk 's credit reporting department, remove ALL negative reporting that they reported to the XXXX Major credit bureaus.
This is back in XXXX XXXX Virginia where me and my wife were going to check out a dealership called XXXX XXXX that was sending advertisements in the mail. We were gon na trade in our car for a more newer one. We were given an offer for them to buy our car and sell us a newer one. But at a much higher price. We did end up signing some paper work for them to see my credit score and see what they can do. Was n't good enough so we wanted to leave. They keeped pressuring us to do it and to use our credit cards or to contact family for money. After six hours trying to leave we had enough and told them no and asked for our keys back. They did not look happy. A day or two goes by and I check my credit score showing it went down about 35 to 40 points because I had two hard pulls from two different creditors for the used vehicle loan. It said I was denied when I did n't even go through with the dealership. Oh they also had me try to get a loan from XXXX so I also have that on XXXX credit score. Three hard pulls on the same day. One from XXXX XXXX, another from XXXX XXXX CO, and the last one from XXXX. All on the XXXX XXXX 2017. There is no amount because I was denied.
On XXXX XXXX XXXX  2017 I transferred funds ( est 1030 ) from my dash wallet in XXXX to my bth wallet in Coinbase, funds still not showing up in my Coinbase Wallet neither pending or in process, there is more then 5000 confirmations on XXXX and I can see transaction is credited to Coinbase address on my XXXX  statement. Over the month I was writing emails on opening ticket, to Coinbase support but nobody answers and there is basically completely ignored, they not answering on socials ( XXXX etc ) I have send more then 10 emails on my open ticket during this month but there is complet silence.
I have submitted a valid ftc report and police report and this collection agency refuses to comply with FCRA laws
The below inquires do not belong to me and I did n't ask for credit, I want these removed from my credit report. 





XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Misc. 




XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Home Furnishings XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX/XXXX  Inquiry from XX/XX/XXXX + Department & Variety Stores XXXX XXXX
I contacted XXXX 's about my account not being credited, I was advised by the credit department that they would find out why my account was not credited for the return and make contact with me. This was in 2014, I checked my credit report last year and noticed the collection and began filing disputes. 
I submitted two disputes through XXXX, Transunion and XXXX reference to a creditor XXXX XXXX XXXX XXXX XXXX, WI XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  Credit Bureaus are required by federal law to verify- through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. This account was closed due to the item ( XXXX ) was returned to the company back in 2014 and the Account was never credited, as a matter of fact the XXXX   amount was {$350.00} and this company is still showing a past due amount of {$120.00}. I demanded verifiable proof from the consumer with my signature on it on what I am being charged and as of this date I have not received anything, only confirmation from XXXX  that the company notified them that the account was accurate and has not provided any documentation which a violation of the Fair Credit Reporting Act is, Section 609 ( a ) ( 1 ) ( A ). 
XXXX failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I am requesting that XXXX be investigated. 
Regards, XXXX XXXX.
I recently signed up for Coinbase, an online cryptocurrency exchange. I made several purchases, starting on XX/XX/XXXX. I started off using a credit card, and then increased my buy volume by providing a picture of my driver 's license. Once I was cleared for bigger transactions, I transferred a total of XXXX dollars from my bank account to my Coinbase USD account. The transfer went through and I was able to see the money in my Coinbase account.
Then, I tried to make a purchase and was not able to. I was directed to the coinbase/ssn page, where they ask for date of birth, name, ssn, job title, workplace, and personal address. I provided all of the correct information but access was denied. I am now unable to do anything with the money in my coinbase account and ca n't transfer it back to my bank account. My XXXX dollars is " locked '' in Coinbase.
I have emailed them twice, starting on XX/XX/XXXX, and they have not responded. I have no access to my money and need this resolved asap.
I have applied for a job XXXX and on my credit report I have XXXX civil case which are not mine. Case # XXXX XXXX XXXX XXXX. I never applied for this loan. Case # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I have never owned a home to have any construction work done on. And case # XXXX XXXX XXXX XXXX XXXX XXXX, that is a fraud case and I would like someone to look into that asap. I have never had any criminal activity on my record and again my name was not XXXX until 2013. My name is also listed as XXXX XXXX XXXX which has never been my name. I was born XXXX XXXX XXXX and married XXXX XXXX, 2013 as XXXX XXXX XXXX. Please correct.
I deposited a check for {$2200.00} into my Chase account on XXXX XXXX, 2017. When I logged in the following day to see my account activity, the bank withdrew the money and said there was an error with my deposit. I called the following Monday and spoke with a Customer Service Agent who said that the check was not properly endorsed. The check was endorsed and even had my account number on it. The fellow said that they would overnight a/the check to me and I would have to take it to a Chase bank lobby and ask. When I did not received the check by Wednesday evening, I called back. The customer service agent said that I have to go back to the issuing party and request another check. Why should I go and pay for a stop payment of {$30.00} and a reissuing check fee of {$35.00} because they can not get me my check back? If my check was not endorsed, they should have a procedure on how to get the check back to the customer. MY CHECK WAS ENDORSED and no image is available on the website either.
Porfolio Recovery Associates have been harassing me via my cell phone. I 've sent certified mail with signature requesting VARIFICATION and have n't received anything in return. I have also disputed this through all three credit bureaus and they 've all writing back saying this account has been verified without any back-up document.