WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/2019 there was an unauthorized payment sent on the XXXX app. I didnt authorize the payment. When i called to cancel the transaction they said they could not help me. They said to call my financial institution to see if they can help me.
Good Afternoon - I was reviewing my XXXX credit report and noticed a few hard inquiries that I did not do. One was from XX/XX/2018 I have a hard inquiry from XXXX XXXX. That is not someone I would ever do business with. So there should not be an inquiry from them. And it appears on my hard inquires again on XX/XX/2018. 

Then looking at my XXXX XXXX credit report and noticed a few more hard inquires that I did not do. One was XXXX XXXX Inquiry from XX/XX/2018 no clue what this even is. Another is another cell phone company, XXXX Inquiry from XX/XX/2018, I would never use this company either.
I received a collection notice from your office on XX/XX/2019 that was dated for XX/XX/2019. In this notice you mentioned that you were representing XXXX XXXX XXXX , XXXX and that they were the owner of an account that is allegedly owed by me. 

I would like to dispute the validity of this accused debt as I have NEVER owned an account with XXXX XXXX XXXX , XXXX so how can they own an account that you are stating is owed by me. Are they a debt buyer? Was there a bill of sale or receipt of the sales transaction? I want to know the exact amount that the debt was purchased for if thats the case. 

If you are representing them are you advising that you are an attorney? If not, how can you be representing them. Was there a power of attorney given to you by the alleged creditor that warrants permission for you to collect money from me? If you are a debt collector this is very misleading and a violation of the FDCPA Section 1962E for misleading representation. If you were assigned this debt you will need to produce a letter of assignment from the owner of this account or a bill of sale showing the purchasing transaction confirming that YOU are entitled to the compensation of this alleged amount owed. 

Furthermore, XXXX XXXX XXXX, XXXX has also violated FDCPA Section 1692C ( B ) for disclosure to a third party in connection with the collection of an alleged debt. Outside of myself, the original creditor and the credit reporting agency they were not authorized to disclose any information to a third party, including YOURSELF unless you are the debt collectors attorney. 

Please notify your client of their negligence and deceptive acts. I would like this debt to seize effectively immediately and further collection activity to be blocked. Please send me a letter confirming your compliance to avoid further escalation of this matter to State and Federal governing entities for investigation of Total Card Inc and XXXX XXXX XXXX , XXXX. I will await your response within 30 days.
On XX/XX/XXXX I reported unauthorized fraudulent activity on my debit card following a property/identity theft on XX/XX/XXXX which resulted in {$1600.00} of unauthorized charges and incorrect fees. My cell phone with the same number registered with Chase was also stolen. Upon reviewing my phone records, I saw 20+ calls to Chase Fraud Protection Hotline which were attempts to authorize transactions that were stopped due to suspicious activity on my account. I was issued a temporary credit while my claim was investigated. After investigating my claim, I was informed that the claim was denied due to PIN/chip use and because " I '' authorized the transactions over the phone, when in reality it was the thieves who fraudulently authorized it using my personal information obtained in the identity theft. At this point, I submitted a police report and phone records for further review. The claim was subsequently partially denied again for the transactions totaling {$260.00}. 

In violation of the EFTA, Chase advised me that the decision on this claim was irreversible and they would take no further action, despite the outstanding unauthorized debits to my account in the amount of {$260.00} ; {$210.00} more than the {$50.00} limited liability for unauthorized transactions through a debit card, provided by the EFTA.
XXXX sent a refund from a subscriber savings account ( SSA ) to me in my name but to my ex-wife 's address, with whom I hadn ; t lived in 11/2 years. My ex-wife, XXXX, put her account number in the endorsement section on the back of the check with the notation, " For deposit.only. '' We do have a son, but he is XXXX y/o and his name is XXXX. He may be on her account. This was XX/XX/2016 ; though I have talked to Chase Bank officers, they have not taken any action to correct their mistake and satisfy my complaint. I have filed a forgery complaint with XXXX police. No response to date.
XXXX pulled a credit report on me. This apparently happened during a separate incident involving a bank and another mobile provider. XXXX refuses to disclose to me the circumstances, timing, or purpose of the credit report.
My then husband and I applied for and received a line of credit/second mortgage. At the time of our dissolution, he agreed to and was then ordered by the Court through our Marital Settlement Agreement to pay the first and second mortgages. In XXXX, he and I tried to modify said second mortgage. During that time of waiting for the modification, my ex-husband became delinquent in the payments and the house fell into foreclosure. At no time did Chase notify me that the payments were delinquent. I was not notified of the foreclosure and only heard about it on the day the house was sold at foreclosure. The ONLY reason I knew that a foreclosure sale was happening is when a man knocked on my front door and asked to do a quick walk through 30 minutes prior to the sale. I subsequently learned that a second mortgage foreclosure sale in not reversible in California. 

On or about XX/XX/XXXX, my ex-husband received a letter and check from Chase. A copy of which I am attaching to this complaint. 

I have tried to contact Chase to discuss this but was told that because I was not on the account, they would not talk to me. I am on the Deed of Trust, a copy of which I also enclose. 

I believe that Chase had a duty to notify me that the payments were delinquent AND that a foreclosure sale was eminent. They did neither. 

When I was forced to move I incurred hotel room rental, moving, and storage expenses. Because I was only receiving Social Security XXXX at that time, I had to borrow money to pay for all of the above from family and friends. I am still working to repay those personal loans.
I called the continental finance company and told them that a hard inquiry was on my credit report and my apartment number was wrong and the wrong date of birth and they said they would remove it from my credit report a month ago and hasn, t done so I have called them every day and it is still on all three major credit reporting agencys.
I told Citi Bank one of the XXXX charges for XXXX XXXX XXXX on my account was a fraud in XXXX 2015. Citi fixed that issue very quickly but than the next XXXX months when I paid my XXXX XXXX XXXX account for XXXX and XXXX, in XXXX Citi unauthorized those transactions thinking that is fraud. When I called them and asked them why would they do that, they said I mentioned that the XXXX charge for XXXX XXXX XXXX I said was fraud because I closed my account with XXXX XXXX XXXX. Which was not true at all. Now XXXX XXXX XXXX charged me for late fees and put a hold on my account for XXXX months since XXXX months transactions were unauthorized the same day. If the first XXXX was unauthorized immediately I would have known and resolved the issue between these XXXX big companies, but neither of them are helping me out. 
I would like Citi to refund me for the late payment charges I paid to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and ask for the hold to be taken off my account.
deposited business check from a client Wed  XXXX   XXXX ,   XXXX   to our business checking account.  Deposit  slip said funds available Thur  XXXX   XXXX ,   XXXX  .   Friday  XXXX   XXXX , amount not cleared in our account, and they drew money from our business savings which did not cover the amount of insufficient funds, we had a negative balance.   Went to the bank, they said our bank  ( Wells Fargo )  had a hold on the check because there were not sufficient funds in the account it was drawn on  (   XXXX   ) . I called client, she called her bank, her bank mgr said the funds cleared Wed  XXXX   XXXX . Funds were out of that account. She also has an overdraft on that account which would have covered the amount.   We went bac k to Wells Fargo, an d they can only insist that the funds are not available, yet they were taken out of the  XXXX  account 2 days ago.   So where is this money?
I have tried contacting ACS Education about my loan status since I no longer can log into my account for 3 weeks now. I never received an email or phone call about my loan. I looked online and realized a possibility is my loans were bought and transferred to another company. How am I supposed to figure out which company my loans are with if no one will get back to me?
10 years ago, I had a pre-paid credit card ( re-paid {$300.00} ) with Washington Mutual. I purchased a text book for about {$150.00}. Chase Bank ended up buying out Washington Mutual and told me they do not do pre-paid credit cards and charged me ridiculous amounts for what they considered a regular credit card. Today, years later, they still will not drop off of my credit report and claim I owe them {$750.00} for the textbook I bought with my pre-paid credit card through Washington Mutual. They keep selling my debt to new creditors so it will not fall off. I believe this is fraud, and if it is legal, I would like an explanation on how they can do this. I am trying to rent a house, but no one will rent to me with this on my credit.
My loans were transferred from XXXX to FedLoan after I submitted paperwork certifying my Public Service employment. In the transfer, my annual certification of income and family size was lost. I had submitted the certification in XXXX, but in XXXX when my loans were transferred to FedLoan, that certification was not carried over. FedLoan was very unhelpful in resolving the issue ; after speaking with a supervisor, FedLoan asked me to resubmit a certification ; in the meantime, I would not lose credit for my monthly payments. I submitted the new certification, indicating that my family size had grown by XXXX. My wife was XXXX. FedLoan rejected my IDR repayment application, because there was no evidence of my wife 's XXXX. On the very day I received the rejection notice from FedLoan, my wife XXXX, so I called FedLoan to see how we could resolve the situation. They asked me to send a letter describing the situation. I did so, with a FedLoan supervisor assuring me that she would personally make sure that my application was processed quickly. I heard nothing from FedLoan, until today I called them. Despite having been nearly 2 weeks since I faxed the letter directly to a FedLoan supervisor, they claimed that they only received my letter today, and so it would be another 7-10 business days before my application was processed. I have no idea what the status of my loans are, what my payments will be, or if I will receive credit towards my loan forgiveness for the 2 months since my loans were transferred to FedLoan.
Hi My name is XXXX. I am a XXXX year old senior citizen who has been trying to get help from lender to with hope that I am able to stay in my home for the last few years I am here on earth. This issue has gotten so bad with my lender trying to take my house that my niece and her family more in with me and reach out to get me help from a third party.

At the time I hired the third party I had a sales date or XX/XX/XXXX 2017, they submitted an application on my behalf to my lender XX/XX/XXXX 2017 at which time I was sent a letter stating they had received my file, there was a second letter sent on the same day, saying my only option was to reinstate my loan or cash for keys. They told my third party that my file would not be review after it was received because of the sales date on my property of XX/XX/XXXX17. I live in New Jersey so I was able to get a 30 day postponement from the sheriff's department which give my lender the time they need to review my file. My sales date has been extended to XX/XX/XXXX 2017. My third party called XX/XX/XXXX17 to follow up on the status of my loan modification and my servicer said they were not able to review my file because of a 37 day rule set by the Consumer Financial Protection Bureau. Please remember they have had my application since XX/XX/XXXX 2017, over 37 days now. 
My servicer said they sent me a letter on XX/XX/2017 saying they reviewed me for all options and the only option available to me is cash for keys because of your 37 day rule. Please help me! Don't let them steal my home.
 Thank you 
XXXX
I opened a case for a HAFA DEED in LIEU procedure with Wells Fargo Home Mortgage on XXXX XXXX, 2016. 

By XXXX XXXX, 2016, I had submitted all the documentation required. The house was appraised by a real estate broker on XXXX XXXX, 2016. 

Originally I was told that once I did all of the above, my DEED IN LIEU would be approved by HAFA within a month. 

Once I completed delivering all the documents they demanded ( they said they are not going to ask any more documents ) they changed the story. Now they are saying the process will take more than six months. I was told the next step is for them to get mortgage insurance approval. I am suspecting they are trying to sell my loan to an investor and that is why they need mortgage insurance. If they do sell the loan the DEED IN LIEU is not going to happen. I will have to start the process with the new bank all over again. 

In the mean time the house, now vacant, has been vandalized. I had to spend {$500.00} to board up the property. The neighborhood has deteriorated ; there is drugs and house invasions. When I first moved in, the neighborhood was safe. At some point it was deteriorating. I was mugged and moved out and rented the house. In XXXX 2016 my tenant moved out without paying the rent for two months. That is when I started the HAFA process. 

I feel my trust in this HAFA process was misplaced. The bank never intended to proceed with a DEED IN LIEU but they kept leading me on until I gave them all the documents they needed to sell the loan. 

Also, my credit report, as of XXXX XXXX, 2016 has a note from Wells Fargo that reads " Subscriber reports dispute resolved - Consumer disagrees '' which I do n't think is accurate ( my FICO score had been XXXX in XXXX 2016 ; now XXXX is XXXX and XXXX is XXXX ). 

I do have health issues. In XXXX 2016 I moved to XXXX XXXX to get support from my family here. Moving back to XXXX is not an option. And specially to a city block that has been taken over by drugs. Selling is not an option either since the house is under the water. I need your help, please.
I did my income tax return for XX/XX/XXXX, in XX/XX/XXXX this year. The IRS sent me a check for {$6000.00}. I deposited the check via electronically with my bank ( USAA ) at the beginning of XX/XX/XXXX. The check cleared and the funds were added to my account. After confirming that the funds were secure by checking my account, I wrote " void '' and the conformation number across the check. On XX/XX/XXXX, my wife alerted me about money missing from our account. I panicked and called my bank ( USAA ) to investigate.

The first customer service rep that I talked with told me that the money was pulled from my account because some of the numbers on the check was blurry. She stated that I could try to rescan the check. I told her that I have voided the check once the funds were in my account. She suggested that I mail in the check with a letter stating why it has been voided, or I should contact the IRS and ask for assistance.

I contacted the IRS, who advised me to handle the situation with my bank ( USAA ) because if they start their process it would take at least three weeks to resolve the problem.

I contacted my bank again. The second rep claimed that they could not do anything because the check was voided. I explained to her, that the funds were in my account for over a month, and they know why the check was voided. Her attitude was already nasty, as I explained her answer was different from the other rep that I talked to. I asked to speak with a supervisor.

I was put on hold until a supervisor was contacted. The supervisor talked with more clarity. She explained the situation and said that the only way to resolve the issue was through the IRS. I explained that I felt very disappointed about the situation and the treatment that I was given. I also explained that I am a XXXX United States soldier who was depending on the funds to help me XXXX from the military. I also explained that I do not think it was fair that no one had contacted me before taking funds out of my account that had been there for over a month. Instead of an apology, she tried to shift the conversation to try to sell me some assistance transitioning program advertisement. I politely declined, then contacted the IRS.
So I had an Amazon credit card with chase. Apparently, once you acquire an Amazon card it becomes your default card when you purchase. I made a purchase on the card unknowingly of course so I was late 40 days, which I paid the remaining balance today. I proceeded to ask Chase as to why did no one call me? Their response was well you were late in XXXX for an amount of 8 dollars, which I paid as soon I learned about. Oh we sent an email, they said. To which I replied, brother I have been a loyal customer barely used the card and when I use it I pay it off. Why would you not call me instead of ruining my credit? If you are able to use predictive analysis to know if I am shopping outside my area so Chase does n't loose money why does n't Chase call me? It must be better to charge me the 50 bucks on late fees and ruin my credit so they can charge a higher interest rate. To add insult to injury I was told by various representatives that Chase is not responsible for calling their customers.
COMPLAINT AGAINST - XXXX XXXX XXXX XXXX Manager XXXX XXXX XXXX XXXX XXXX XXXX XXXX., XXXX XXXX XXXX, CA XXXXWork : XXXX : XXXX I requested a Micro Loan from XXXX   XXXX-My complaint is that I was deceived and led to believe that my Business Plan would also be considered as a part of the loan decision that was made. I am not complaining about the loan decision- I am complaining about the fact that my loan denial said absolutely NOTHING ABOUT MY BUSINESS PLAN AND THAT THE ONLY CONSIDERATION FOR THE LOAN WAS MY CREDIT- AND IF THAT WERE THE CASE WHY DID XXXX TELL ME TO SUBMIT A BUSINESS PLAN. XXXX HAD MY CREDIT RUN BASED ON FALSE INFORMATION THAT MY BUSINESS PLAN WOULD BE CONSIDERED- IF I KNEW THAT MY BUSINESS PLAN WOULD NOT BE CONSIDERED I WOULD HAVE NEVER HAD MY CREDIT RUN- MY CREDIT WAS RUN BY PREMIUM CREDIT BUREAU XXXX XXXX XXXX XXXX-XXXX XXXX XXXX, CA XXXX ATT : XXXX XXXX - THIS PUT A 2 YEAR HARD INQUIRY ON MY CREDIT WHICH WAS BASED ON FALSE INFORMATION THAT WAS PROVIDED BY XXXX XXXX THE CREDIT INQUIRY NEEDS TO BE REMOVED BASED ON DECEIT - I HAVE INFORMED PREMIUM CREDIT ABOUT THE DECEIT AND HAVE FILED A SMALL CLAIMS CASE Background Story : In XX/XX/XXXX I attended several SBA Loan readiness workshops at XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, # XXXX XXXX, CA XXXX : ph XXXX XXXX ) and other remote locations. At every meeting the speakers stressed the importance of submitting a thorough business plan along with credit information as well. I spoke to several employees at the and all of them stressed the importance of completing a business plan- and that without the business plan- the application would not be accepted. i spoke to several employees at XXXX XXXX and even met with them to go over how to put together my business plan. All employees made it clear to me that my business plan would be considered along with my credit- and even if the credit was the most important- I was led to believe that my business plan would be considered when making a loan approval decision as well as my credit. I worked on my credit for 7 months and I painstakingly worked on my business plan for 30 days. Finally I completed a 30 page business plan that very clearly explained my need for the loan and how I would generate the money to pay back the loan. On XX/XX/2017 I contacted XXXX XXXX to request an SBA Micro Loan Package. Mr XXXX instructed me to complete a Micro Loan Application and to submit the following documents listed below, which included a 30 page business plan My submission via email XXXX, XXXXPlease find the following information ; in 2 PDF 's CITY SMART DRIVERS - XXXXDreambuilder PDF Executive Summary Startup Costs/Use of Funds Income Projections Business Plan Fiery - PDF 1. Completed Loan Application ( attached ) 2. Personal Resume ( attached ) 3. Current Business License ( attached ) 4. 2 years Federal Income Taxes ( attached ) 5. 3 Months Bank Statements ( work checks auto deposit ) ( attached ) 6. Verification of Income : SSI Award letter / Work Invoice Contract ( attached ) 7. Copy of Drivers License and SSI Card ( attached ) 8. Credit Authorization Form/Certification ( Signed and Dated ) ( attached )
Hello I applied Credit Card With XXXX XXXX XXXX  XXXX and I was asked to go to branch to provide my driver license my paystub and utility bill along with copy of another credit card, I complied with their request and went to XXXX XXXX XXXX  XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, CA XXXX and left all documents with them. Today I called to get status they are saying they can not verify my identity with is strange because i was there physically.
Over the course of the last year I have filed multiple disputes against Transunion for putting inaccurate information on my credit report. The information in question is my employer. They continue to list XXXX as my employer after I have repeated disputed and told to remove. After all this I have been a loyal customer of Transunion credit monitoring services for over 10 plus years. During the last year Transunion has continued to bill me {$14.00} every month for the services but locked me out of my account after I continued disputing the inaccurate information. I have attached a copy of my bank account which show Transunion billing {$14.00} every month. Also attached is a copy of the web page to Transunion login showing I'm logged in and the error page that displays. Notice my at top of page I'm logged in and it gives system error. This only started around XXXX of last year when I disputed the same inaccurate information on my account. I have been a member for over 10 years this never occurred only started after I started filing a dispute about inaccurate information on credit report. I had my friend log on to there account with no problem but every time I try to view my account this page pops up. Only started after I start disputing information last XXXX. In ten plus years before never a problem. Transunion owes me an apology for there tactics, {$160.00} for services not rendered from XXXX of XXXX of XXXX  for not allowing me into my account to view or dispute. They also show be fined.
We got a loan from Speedy Cash XXXX in the city of XXXX, CA. We paid it off on the due date and went on about our lives. About a month after we paid off the loan a payment was being deducted from our bank account. We went back to the Speedy Cash and got our money back. Two weeks went by and same thing happened, Speedy cash deducted the same amount from my bank account For a loan that we did n't get or apply for, my husband went and closed the account so this would n't happen anymore. Today ( XXXX/XXXX/16 ) I found out Speedy Cash took money out of my bank account for an account that has been closed and we do not owe them any money. We have talked to the manager but nothing has changed. I understand anyone can make mistakes, but making the same mistake 3 times? It 's not possible. 
My bank name is XXXX in the state of California.