WillisBack/dataset-financial-user-claim huggingface dataset:
Frauding scams using greely leap of a XXXX stores as a government listings Frauding scams using XXXX XXXX   Fraud divisions scams using XXXX Frauding scams  using XXXX business permits and products Frauding scams using 50 states groceries stores products using XXXX slaw products Frauding scams using diner menus using XXXX slaw Frauding scams using sports players accounts and internet scams Frauding scams using XXXX Fraud scams using XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX Fraud scams using XXXX with an XXXX   Frauding scams using XXXX school as business permits Fraud scams using XXXX court building Fraud scams using XXXX building permits Fraud scams XXXX XXXX bank and IDs frauding my documents Frauding scams using reality companys Frauding scams using realistate agents herds Fraud scams using XXXX XXXX Fraud scams using semi trucks Frauding scams using XXXX frauding fXXXX XXXX School Frauding scams using XXXX apartment Fraud scams using using XXXX XXXX Frauding scams using XXXX XXXX Frauding scams using XXXX  as attorneys in Azorina Frauding scams using XXXX families using XXXX Frauding scams using XXXX XXXX  school as IDs and others business Frauding scams using XXXX XXXX XXXX in Florida Fraud scams using XXXX XXXX in Florida Frauding scams using XXXX XXXX in Florida Frauding scams using XXXX resterant in Florida.. frauding scams using XXXX slaw in all 16 counties of Florida Frauding scams using XXXX slaw products thru XXXX XXXX resterants franchises Frauding scams using XXXX slaw products thru XXXX 's and XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX XXXX companies Frauding scams using brand advertising for XXXX food products frauding my family 's XXXX death record of XXXX Indiana of serial numbered documents Frauding scams using XXXX   frauding scams frauding my grandfather who is decest of XXXX Indiana Fraud scams using XXXX XXXX XXXX   and XXXX XXXX franchises Fraud scams back through XXXX XXXX frauding IDs scams using XXXX Frauding scams using ticker symbol using XXXX frauding XXXX XXXX Hospital of XXXX XXXX Indiana Frauding scams using XXXX XXXX Fraud IDs using XXXX in insurance company workers and insurance fraud division worker Fraud scams using XXXX as XXXX advertising in XXXX Illinois Frauding scams using XXXX as XXXX XXXX  colleges in XXXX Illinois Fraud scams using XXXX XXXX Fraud scams using XXXX XXXX XXXX Fraud scams using basketball XXXX Fraud scams using XXXX sports players Frauding scams using singers and bands and actors frauding scams using XXXX Fraud IDs scams using XXXX police IDs Frauding scams using XXXX school Frauding scams using XXXX politican listings Frauding scams using XXXX XXXX XXXX clothing Frauding scams using XXXX XXXX XXXXXXXX as IDs in XXXX Fraud scams using book credits and book authors Fraud scams using chruch groups and pasters or ministers or preachers
CHASE CHECKING XXXX OWES XXXX XXXX {$6.00}. IN REPLYING, CHASE, DO NOT SUBMIT A PDF DOCUMENT. I CAN NOT OPEN CHASE 'S PDF DOCUMENTS. CHASE DELIBERATELY REPLIES WITH UNOPENABLE PDF DOCUMENTS. FORCE CHASE TO TRANSPARENTLY RESPOND WITH WORD DOCUMENTS. DO NOT REPLY TO THIS COMPLAINT WITH AN UNOPENABLE PDF, CHASE. REPLY VIA WORD DOCUMENTS ONLY. 
COMPLAINT CHASE CHECKING DENIES XXXX XXXX {$6.00}. CHASE CAN NOT BE TRUSTED TO DO ANYTHING ETHICALLY RIGHT ONLY TO DO THINGS TO BETTER CHASE. CHASE HAS NO SCRUPLES WHATSOEVER. MOREOVER ANYTHING CHASE DOES WRONG IS BACKED UP BY THE GOVERNMENT. CHASE IS TOO BIG TO FAIL. FINALLY CHASE HAS LINED THE POCKETS OF XXXX AND XXXX WHICHEVER SIDE WINS TO DO CHASE 'S BIDDING. THERE IS NO VOICE FOR THE PEASANT. SEE ATTACHMENT FOR PROOF I AM OWED {$6.00} BUT HERE IS PROOF NOW. 
XXXX & lt ; XXXXXXXXXXXX & gt ; To XXXXXXXXXXXX XXXX XXXX at XXXX PM Hello, We 're writing to let you know we processed your refund of {$6.00} for your Order XXXX from XXXX. 

This refund is for the following item ( s ) : Item : Personal Influence ; the Part Played By People in the XXXX XXXX XXXX XXXX Quantity : XXXX XXXX : XXXX Reason for refund : Item out of stock Here 's the breakdown of your refund for this item : Shipping Refund : {$3.00} Item Refund : {$2.00} We 'll apply your refund to the following payment method ( s ) : Bank Account : {$6.00} We 've processed a refund for the above order in the amount of {$6.00}. The refund should appear on your account in 2-3 days if issued to a credit card. 
Refunds issued to a bank account typically take 7-10 days to reflect on the account balance. 

Have questions about our refund policy? 
Visit our Help section for more information : XXXX We look forward to seeing you again soon. 

Sincerely, Amazon.com We 're Building Earth 's Most Customer-Centric Company http : //www.amazon.com Note : this e-mail was sent from a notification-only e-mail address that can not accept incoming e-mail. Please do not reply to this message.
XXXX XXXX XXXX never mailed me anything to this account all I ever received was from a letter from XXXX XXXX saying it was been transferred to XXXX XXXX XXXX. 
XXXX XXXX XXXX never contacted me nor mailed a letter by law. I did not even have the right to dispute the debt that is on my credit report. 

XXXX XXXX bought this account back from XXXX XXXX XXXX This account does not belong to XXXX XXXX XXXX
pay my account to XXXX XX/XX/XXXX and reported my credit it was not paid
A company by the name of Midland Credit keeps calling me about a debt that I am not a party to. Initially they were calling me cell phone number, and I believe they may still be calling my cell phone although I have asked them not too. Even after telling them I am not the debtor, they continue to tell me all of the details of the debt. They have disclosed the total amount of the debt, that the debt is for a credit cards with XXXX XXXX, etc. they call several times a day, every day. The debtor is my spouse XXXX XXXX.
I sent a certified letter in response to a listing on my credit report pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) for a claim for disputed and validation is request. 

I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of their authority in the matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

I asked them to please also provide the following information for my records. 
What the money you say I owe is for. 
I also need evidence of the original debt that bears my signature, as well as a complete account history, including any charges added for collection activity. 
Provide me with copies of any papers that show I agreed to pay what you say I owe Lastly, Im requesting evidence of your authorization in this alleged matter. 

I asked them to provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it. Instead, they sent me a computer print-out that does not even have my signature. My point is that they have failed to prove this account is mine. I did not request a " verification '' that they have my mailing address, I requested a " validation ; '' that is, competent evidence that I have some contractual obligation to pay them.
My PEAKS loan ( 1st Associates collects on the loan ) is in default. I have made an agreement to pay {$80.00} a month but havent been able to due to other debts. Now that I have cleared smaller debts I 've attempted to keep good on my word and make my first payment. Instead of talking to someone I attempted to pay online with my debt card. That option was unavilible for me. Next I tried calling in and paying over the phone. After putting in my information I was " directed to a customer service rep '' 3 times but instead of talking to anyone I was sent to the main menu. 

I defaulted on my loans due to unemployment and only recently found a job. Had PEAKS or 1st Associated helpped me when I was unemployed and not just during my grace period I may not of defaulted. This is my 2nd complaint reguarding this company. I still till this day do not know who owns this debt and am frustrated when attempted. I do not want my wages garnishedI just want to bring my account current and stick to the $ XXXX monthly plan we agreed on. Not be fooled with when I attempt to pay or get the run around. I dont need a rep telling me what I owe. I already know! I want to and need to pay what I can and pay it either other phone through the automated system or online. I called twice on XXXX XXXX around XXXX CA time. I dont have a check book and will not be sending checks. Using my debt card is far more convient and prevents the hassle of waiting on an echeck or on pending fund being pulled from my bank account.
I attempted to hire the company to service my residential garbage disposal needs. However, I was disappointed with their services & cancelled immediately. 

My garbage was picked up one time on Thursday, XXXX XXXX. The next week, my garbage was skipped. The company had told me that they had two pickups per week. However, my garbage sat all week at the end of my driveway. After my garbage sat untouched, I phoned the company. I voiced my disappointment with their service & promptly cancelled. Then, I hired another local garbage service company.
How can Quicken Loans own an Appraisal company who is always selected to do their appraisals?
On XXXX XXXX, 2015 I requested from BOA the closure of my account to stop future overdrafts since I have been having difficluties which have resulted in OD. I asked the bank to close the account to stop paying overdrafts and requested a waiver from OD fees. 
The bank has refused to close the acccount and instead, even after been notified to stop OD, it continues to add OD fees and did not repond to the request other than the bolier plate messages. See copy of messages attached. 
The bank acts in an unfair and deceptive matter since it encourages customers to do as much as possible for account management online, but when this is not convenience for the bank the rules are changed for the bank 's benefit. The account disclosure does not indicate that online request to stop paying OD will not be honored and that the bank will continue to charge fees to the account. In order to settle the matter I will agree to pay immediately the principal amount due prior to the OD plus the additional charges of a low balance fee of {$12.00} this charged was clearly disclosed at the time the account was opened. I would appreciate a waiver of all OD fees since the notification to the bank to close the account. Copies of emails below :
Stanislaus Credit Control Services reported {$450.00} on my credit without sending me any communication. I was never informed that this money I have to pay. I did n't even receive verification of debt which I requested. They did n't even inform me, all they did is reported to my credit report. So I called them and requested them its wrong I may dispute it later by I want this off my credit report. So they asked me to fax a letter which I did n't on XX/XX/XXXX but they still did n't fax me any proof. So I am not even sure if I owe this money and if I do I still need complete proof of service. I would like to request why did they report it without informing me. So I like this to be deleted from my credit report
On XXXX XXXX, 2015, I applied for the Home Loan Modification Program. I submitted the required information per the Mortgage Assistance Checklist, per Chase. I copied and mailed the application packet to Chase. Once Chase received my application package. A rude representative called me and asked for verbal financial budget estimates over the phone, when she had the information in her hand. She also asked for another copy of my check stubs that she claimed she could not read. I found the initial process to be indifferent and suspect. On XXXX XXXX, 2015, I received the completed review. I was given XXXX OPTION- a standard short sale? Really? I requested a modification and/or forbearance, due to financial hardships and future uncertainties. I was proactive, while foreseeing a job loss. I have no desire to sell my home, nor am I in the foreclosure process. I am proactive in pursing foreclosure prevention options. 

Chase said, " we 're unable to create an affordable payment equal to the required percentage of my reported monthly gross income without changing the terms of my mortgage beyond the modification program 's requirements. '' I reviewed the documents further, and noticed that Chase made incorrect calculations. On the application, SECTION XXXX : Net Present Value or Eligibility Data showed my monthly Gross income and Montly Net Income as {$0.00}, respectively. It also, show my total housing expenses as {$0.00}. 

According, to SECTION XXXX : Contact, Dispute and Appeal Information Section, I filed an appeal. I mailed an appeal letter to Chase ( Mail Code XXXX, XXXX XXXX XXXX, XXXX, La ). I have not received a response or any communication on the status of my appeal letter. 
Currently, I am temoprailry unemployed and requested Chase to reconsider.
Re Conventional Home Mortgage with Chase On Thur XX/XX/XXXX I submitted a Chase Payoff Wire online.

The amount wired was in excess of {$1000.00} more than was due to pay off the mortgage.

My bank verified the funds were wired to Chase that same day.

On Fri XX/XX/XXXX I submitted a Chase Payoff Wire online.

My bank verified the funds where wired to Chase that same day.

The amount wired was in excess of {$1000.00} more than was due to pay off the mortgage.

My bank verified the funds were wired to Chase that same day.

Both of the above payments where submitted using exactly the same process and of the exact same Dollar amount. Please see attached verification from my bank regarding both payment amounts sent on the days referred above.

The first payment was declined by Chase, the second later payment was accepted.

Chase charged me a late fee and interest for days in between.

Obviously it was in Chase 's interest to denie the first payment and charge me according, as they knew they were losing me as a client!
Tier One continually calls my mother 's phone number with a pre-recorded message directed at my ex-husband of 25 years. I 've spoken with several associates of this company in the past and explained we have no information/contact with him since the divorce and demanded they remove her number. They assured me each time her number would be removed from the call list. This has been going on for the better part of a year. 

Just this evening, we got another call at XXXX hours again from a caller I.D . of XXXX, WV and a phone number XXXX XXXX XXXX XXXX. Knowing who it was, I punched ZERO for the operator as soon as the pre-recorded message ( with my ex-husband 's name ) launched at which time a XXXX XXXX picked up the line and I went through my script all over again. He assured me XXXX as others have done in the past ) he would remove my mom 's number from the list. I let him know I was taking names, notes and logging calls and was prepared to file a formal complaint.
I have been trying to dispute this matter since XX/XX/XXXX, and restarted another dispute with all parties again back in XX/XX/XXXX, and every month after. And we have not been able to reach out to any kind of solutions.
I have contacted citibank and can not get through to there XXXX fraud department or to anyone knowledgeable. On XXXX XXXX, I placed a fraud alert on my credit report due to recent fraudulent activity wit XXXX XXXX. XXXX XXXX, there was a Citibank N.A hard inquiry placed on my account. I have contacted the credit bureau regarding in which I was told I would have to contact the financial institution and get something in writing to send to them. I have contacted Citibank 2 days in the row in which I was told I wold have to speak with every single card department they have to figure out what type of card was applied for. That is absolutely ridiculous! How can I know what type of card was applied for? Am I supposed to find the person who did it and ask them? All I would like is for the information to be taken off of my account.
Equifax was hacked. 143 million people had there identities stolen. Contracted equifax and they could not tell me if my info was stolen. What is this????? I 'm very concerned. Little or no information coming from Equifax.
I have requested a credit report, however have a XXXX brother with similar name and lived in the same address. 
Issue ; Unable to access credit reportInaccurate data. 
Time-scale to provide information and data has been several weeks. 
Lack of ownership by the company. 
Poor internal systemsPlease see attached e-mail trail. Similar issue in 2009
I have no idea what this {$67.00} dollar debt is? But if I owe it they need to get ahold of me
I CONTINUED TO RECEIVED REPEATEDLY PHONE CALLS ALL THROUGH THE ENTIRE DAY AND THE CALLS WERE FROM DIFFRENT PHONE NUMBERS LISTED BELOW. 

US BANK XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX there is more dates and times repeatedly us BANK called me
TRANSUNION is INACCURATELY reporting a CHAPTER XXXX BANKRUPTCY ( PUBLIC RECORD ) on my credit report. Certified letters were mailed out over the course of last year, XX/XX/XXXX. These letters all included : name, social security #, address, Date of Birth, disputed data was identified on a copy of my credit report, a chronicle detailing why the info is inaccurate, and I requested the information removed, and for Transunion to investigate the dispute and furnish documentation of how this record is correct if they continue/d to report it, because it is not accurate. I have been trying to get this error removed from my file for over a year now and now its already XX/XX/XXXX. Notice has been given to Transunion on plenty of occasions. No response has been provided, to date. Transunion has failed to satisfy their investigation requirements, in defiance of Federal & State laws. I am disputing this records accuracy. Transunions actions are negligently non-compliant and willfully breaching their FCRA duties ( for example, their duty to update the accuracy of information being reported ). -- ->SOME OF THE PERSONAL INFORMATION and the DATE OF THIS RECORD IS INACCURATE.< -- - Public Records on XXXXredit Reports , as of new XX/XX/XXXX governance state : these records MUST include AND match that same individuals name, address, Social Security # or date of birth, or else the data/record must be removed. This bankruptcy record being reported by Transunion is inaccurate and needs to be deleted, ASAP.
I paid the bill in XXXX 2015. I spoke to XXXX XXXX that told me that I needed to dispute it first so that you guys will send something to them and then they can take this off my credit. This is just ridiculous that I have to take all these steps to get it removed. I 've attached my receipts that XXXX XXXX sent to my email. The bill is paid in full.
The company Dynamic Recovery Services called me to resolve a debt from 20 years ago. I don't know how they got my number.
I have told this company and XXXX XXXX XXXX several times that this debt was paid. I have made numerous phone calls and have forwarded the information showing this debt was paid multiple times. I have contacted both the creditor and the debt collection company multiple times. The creditor continues to send the debt to the collection agency and they continue to send me collection letters.
I filed chap XXXX BK in XXXX and among the creditors listed was TD Bank. This BK was discharged in XXXX XXXX. 

On my credit report for XXXX XXXX this account showed XXXX balance and closed. 

Then in XXXX for some reason TD changed this status to open, and with a XXXX balance. 

By my request, my bankruptcy attorney XXXX XXXX sent a letter to TD Bank ( attached ) asking that they correct the innacuracy. 

To date, TD has not done so.
I paid off XXXX XXXX XXXX XXXX or XXXX on XXXX ( XXXX or XXXX XXXX XXXX ) and I sent a request for deletion as the company XXXX XXXX advised me to contact XXXX, XXXX and Experian and none of them have removed this debt COMPLETELY FROM MY FILE. I requested a hardline deletion and XXXX XXXX said that would not be a problem just submit my request with the credit bureaus. I 'm requesting zero collections on my credit reports. Also I have sent several lettters to all three credit bureaus requesting removal of hard inquiries that I did not authorize on my credit reports and they refuse to remove them due to fraudulent activity. I requested XXXX to remove XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX. I requested XXXX to remove XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXX  XX/XX/XXXX. I requested XXXX to remove XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX/XXXX XXXX XX/XX/XXXX,  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX.
On XX/XX/XXXX I sent Trans Union and XXXX a Certified Letter About Unauthorized Inquiries On My Credit Report. They Came Back Verified On XX/XX/XXXX. I Do n't Recall Authorizing, I Understand That you Should n't Be Allows To Put An Inquire On My File Unless I Have Authorized It. I Have Contacted All Credit Bureaus And They Refuse To Move Them.I have also contacted the creditors and they have told to contact the credit bureaus. and it 's just back and forth who to dispute this with. I Sent Credit Bureaus Certified Letters. Inquiries : 1.XXXX XXXX XXXX XXXX 2.XXXX XX/XX/XXXX-XX/XX/XXXX 3.XXXX-XX/XX/XXXX 4.XXXX XXXX- XX/XX/XXXX 5.XXXX XXXX-XX/XX/XXXX 6.XXXX XXXX-XX/XX/XXXX 7.XXXX XXXX 8 . XXXX XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, I further remind you that, as in XXXX v. Trans Union Corp., No. XXXX ( XXXX XX/XX/XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. )  Violations of the Fair Credit Reporting Act
On XXXX XXXX XXXX I Initiated a wire transfer to GXXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NY XXXX ) Using the wire instructions provided. I received an email the same day concerning my wire transfer and the requirement for additional information. I provided the information immediately and waited for a response. The funds in the wire were accepted by XXXX  and withdrawn from my checking account the same day however my account with XXXX was NOT credited with my funds. It has now been a WEEK and XXXX support has failed to communicate with me about my wire IN ANY WAY. I now have learned others who have been left in the dark about their wire transfers and their funds being held from them for NO REASON and XXXX has failed to provide any reason to others as well. 

I have sent over 10 emails, tried social media all which have failed.