WillisBack/dataset-financial-user-claim huggingface dataset:
I had receive a check in the mail for XXXX that was given to me from a friend who needed money. I went to bank on XXXX to deposit the check and bank teller deposit money into my account. I ask bank tell if the check going to be clear on XXXX and she said, '' yes '' that it would be in my account XXXX morning. when I check my bank account, the money was in my account XXXX morning. The local bank of America that I bank with, used the money for my purchase that I have made last week to pay for a bills as well. I went to the local XXXX to get a money order to send to a friend. the first money order went through with no problem and second one did not cause bank put a hold on my debit card thinking that it was a fraud or somebody using my card. so I told them to cancel check for XXXX and that I was going to go see if XXXX going to give me back the money. customer service department of bank of America told me that they going give me back money and put it into my account at midnight it never went in. XXXX, I got paid with my regular pay check and bank took that money as well to pay for my bills. only thing that see that bank did was reversal of the XXXX in my account. the whole time neither bank nor customer service never call to tell me that check that I deposit into my account on Monday was no good. I also have fraud protection on my account. I call customer service on Friday about my account, they told me that they sent XXXX check back to owner and that he put a stop payment on the account. so they charge me XXXX fee and XXXX for my account being over draft. they said that I have pay them the money or the friend that sent check have to pay them. this was from my local bank of American who I talk to one of local manager at the bank.
This is the second time and the XXXX XXXX XXXX went as far putting their hands in my bank account and took money out of my account without my consent. I keep receiving calls during work hours. Even though I told them to communicate over regular mail to stop calls they have ignored my requests. I need your help with this.
* I was deceptively enrolled into the PayPal Credit Program without my knowledge. 
* I requested the Account be closed - PayPal Credit did not close it for 6 months during which more Fees seemed to accumulate. 
* I was billed erroneously and charged unexplained Late Fees. 
* I requested and was told I would receive documentation on these Fees at least XXXX times - I received nothing. 
* Their Collections people called and offered " pay off '' amounts but would NOT issue a letter indicating the " pay off '' would result in the matter being settled.
I called the company Navient to get a payoff amount of a loan. They forced me to make a {$90.00} payment to keep it from going to collections, which was odd because I was calling for a pay off. I let them do an automatic withdraw for the {$90.00}. Our deposit cleared the bank, and like I said, I sent a payoff check. I did not know they had done a second, unauthorized withdraw for the amount of the loan, {$5200.00}. Our account is now severely overdrawn because they illegally stole money they were told no too. The bank is attempting to fix the mess they caused. They have tied up pay checks and made it impossible to cover weekly bills. They need to return the money they stole, pay all the fees we will have and pay for the inconvenience they have caused!
Experian is incorrectly reporting an item on my credit report for XXXX on XXXX XXXX, account number XXXX. This reporting is a violation of the Fair Credit Reporting Act. This account is over 7 years old. Please remove this item from my credit report.
When XXXX trees fell on my house and XXXX neighbors houses ( XXXX/XXXX/16 ), I began working with my insurance company ( XXXX, a fantastic company ) to get the trees removed from the roofs, the driveway and XXXX sidewalks replaced, as well as replacing the shingles and some damaged wood trim. 
The house is worth over {$200000.00} and the mortgage balance is under {$8000.00}. 
I have already had the trees removed ( the cost of that was {$8600.00} ). CitiBank required my insurance company to make the check ( {$13000.00} ) payable to CitiBank and myself. My insurance company said I should have no problem getting CitiBank to waive their interest in the check so that XXXX could direct deposit it into my account, which I needed to fit into a cancellation that the driveway contractor had for XX/XX/XXXX. 
I contacted Citi on XX/XX/XXXX and made a request for them to notify XXXX that they were waiving their interest. She said someone would call me from property damages. No call, so I called them XX/XX/XXXX. They said that it was not their policy to do that. Even the supervisor, XXXX, was not helpful. she submitted a request for a review to waive their interest, but that could take weeks. I explained that it could be months before i could get the rest of these repairs done if i missed this window. She said she would send out an overnight envelope and it would arrive on Friday ( certainly not overnight ). Today is Monday, no envelope. She was so condescending. 
I called again today and was informed that there was a clerical error ( deliberate, I believe ) and the envelope was addressed to their office. Why did n't they call and let me know what happened or better yet, why did n't they resend it? 
I understand why they are the XXXX most hated bank in the US. They are acting like I am untrustworthy to make the repairs. And I know that it should not take 2 weeks for someone to make a decision to waive. 
I must now find another contractor whom I do not know and that will cost my insurance company more money because I got a really good estimate from the contractor I have used in the past. 
Even my bank officer at XXXX said that was really poor customer service and they would have taken care of it immediately. The loan was originally with one of the banks that XXXX has purchased and the loan has been sold at least 6 or 7 times. When I ended up with Citi, I asked why since it was certainly not a bank I would have chosen. I was informed that when a bank sells a bunch of bad loans they have to include some loans in really good standing. Since I am never late, I really resent this practice. I should be able to choose my mortgage company. If I had been able to do so without refinancing expenses, I certainly would have done everything in my power to get away from Citi. I would pay the fees right this minute but of course, at this point I doubt that I could even get a bank to refinance since such a small amount remains on the note. And to be treated like this does nothing to help their public relations. Oh, sorry, that was a logical comment for a company that actually cares about public opinion. They obviously do not and have no public relations.
XXXX XXXX XXXX in XXXX Ca, submitted my credit application to other lenders without disclosing to me that they would be seeking other lenders. I was pre-approved with XXXX XXXX XXXX for the loan and did not request them to seek other lenders. 

Due to their negligence and actions It has damaged my credit rating with additional hard inquiries placed by the other lenders on my XXXX credit report
Also refer to pending CFPB Complaint # XXXX. 

After the death of my spouse in XX/XX/XXXX, I discovered that Navy Federal had blocked me from any access to mortgage information. Their justification was that since the initial mortgage processor, XXXX XXXX, deleted my name from the account because it was my husband 's VA guaranty certification that was being used ( not mine. ) I continued to research the issue, including determining that a previous VA-related mortgage with Navy Federal under the same circumstances maintained my status as a co-borrower. I recently located the loan documents for the current loan that Navy Federal personnel have blocked me from and which Navy Federal has refused to include in my credit report for on-time payments since XX/XX/XXXX. The certified/recorded loan documents, including the loan, Deed in Trust and VA addendum all contain my initials, my typed name and my signature in addition to my signature as attorney-in-fact for my husband. 
Navy Federal personnel for four months have refused to acknowledge or repair the damage from their failure to process or service the mortgage documents properly, including credit reporting on my file and providing online and all other access to the current mortgage. 
Over these months, not one of fourteen online and branch employees-including the 'Survivor Relations Counselor ' could be bothered to even research the documents that clearly illustrated Navy Federal 's error. 
It was easier for all personnel, especially mortgage supervisors, to threaten and pressure me to apply for a new mortgage instead of the VA-directed correction of a surviving spouse assumption. 
There is no excuse for such systemic, corporate-approved deliberate negligence and misfeasance.
I am behind on my mortgage and had to file bankruptcy XX/XX/XXXX 
After I graduated from college, my income decreased significantly. 
PHH sent me a packet to submit for a loan modification, they have myhome listed for foreclosure. I submitted all the requested documents and contacted XXXX as my advocate. I have received XXXX letters fromPHH requesting the documents that I had submitted in XXXX. 
I have yet to speak to the assigned case manager XXXX XXXX, I have annotated and faxed the documents requested for a secondtime. I have called to check the status of my packet as it is goingon XXXX+ days, and when those days expire I have to start thisprocess over. PHH has my home listed for foreclosure. I purchasedmy home XX/XX/XXXX, I am retired military veteran with a fixed income. 
All documents requested were submitted to PHH and XXXX. 
I am desperately trying to save my home and just want theloan modified so I can afford the payments. I was told today that mypacket was submitted for review and I do n't know what else to do butrequest additional assistance to help me keep my home.
Jplrecovery has contacted my job 3 times stating they are attempting to collect a debt I then asked them what it was regarding and XXXX states he did not need to speak with me so then I told him to stop calling my work and to call my cell phone # the first time, second attempt they called asking who the manager was and I hung up on them third attempt they asked to speak with me again and they were hung up on.. The 4th call was made to my employers home phone number which they spoke with my employers wife and asked personal questions and disclosing that they are attempting to collect a debt and asking the status of my employment, when I was hired, my pay rate which my employers wife did not have that info and asked them not to call their home. Jpl recovery then asked when they can call back to obtain the information they were asking for. Employers wife states numerous times she did not have that info and to stop calling. She did obtain a call back phone number and a name of person calling ( XXXX ). I would like to file a complaint of harrasment against JPL recovery
I have repeatedly asked this Collection Agency to provide me with validation that the account belongs to me. After doing further research this company Helvey and Associates are not licensed or bonded to do collect any debts in the state of North Carolina. I have checked my state website XXXX XXXX XXXX. No information for this collection agency is listed.
There is an account with SYNCB/Jc Penny 's that is showing up on my credit report as close/charged off..the debt never belonged to me and has been charged off.
In XXXX of this year I received a promotional credit card offer from Barclaycard Ring MasterCard. The offer stated that I would receive a 0 % APR Interest rate on balance transfers within the first 45 days. It also stated that there would be a 0 % APR for 15-months on the balance transfer balances and new purchases. I received the first statement and I had been charged interest on the balance transfer. I was so busy that I just paid it to avoid any dings on my credit and figured I would call to resolve the issue before the next bill. Well the next bill came and it was much larger and I was still being charged interest. Not the typical monthly compounding interest, but daily compounded interest raising my payments substantially. I called the company to resolve the issue and they claimed that I didn't sign up for the offer for 15-month promotional period. I signed up to pay 10.74 % interest. This couldn't be further from the truth. I then went to  download the cardholder agreement and come to find out it's not online. You have to request a copy. Well if they're denying my offer and telling me that it wasn't the offer I signed up for then how should I trust them to send me a legitimate cardholder agreement. I never received the initial cardholder agreement in the mail either. The representatives we spoke with on the phone did nothing to assist in the situation other than deny what I was saying and telling me to send them the offer I received three months ago that has long since been thrown away. I tried to go to the old web page and it has been removed from the website with the exact same promotional offer the only difference being the promotional period of 12-months instead of 15-months. The  representatives were rude and wasted almost an hour of my time. They denied that any 15-month offer existed initially. Then they said well it did exist in XXXX and XXXX, but definitely not XXXX. I pointed him to the nerdwallet article I attached below and he claimed that it was outdated, but it's the offer I was mailed. There are plenty of other credit cards with 0 % for XX month promotional periods I could have applied for with a 3 % or less balance transfer fee, which would be a lot cheaper than 10.74 % compounding daily.
TAM/XXXX XXXXXXXX XXXX Collection agency put several collections on my credit file without sending me a bill or any type of notification. 
This agency is not licensed or bonded to collect in the State of Texas where I reside and have been residing all of my life. I have requested validation of the debt because on my credit file it only says medical. They wo n't send me anything. They are just ignoring me.
We had a scam on our house by XXXX XXXX XXXX of XXXX, Ms . The owner skipped the country with most of the money they collected. I have paid on this since XXXX to XXXX XXXX until they went into bankruptcy last year ( XXXX ). Since then I had been paying the Bankruptcy Division in XXXX, Ms . In XXXX of XXXX a company named XXXX XXXX XXXX took over. I have sent them copies of my cancelled checks for all of XXXX and XXXX. I happened to forget about XXXX XXXX payment and sent it in this XXXX with my XXXX payment. I have already sent XXXX XXXX payment to them but they keep sending a statement saying I have been delinquent since XXXX XXXX. At the time of the transfer to Clearspring I had to get them to deposit at least 3 month checks that they kept telling me they did not have. They finally deposited them. I do not want to lose my house over this. I have repeatedly tried to get this fixed. I have all letters, e-mail communications etc. with the Bankruptcy court and XXXX. I ca n't seem to trust anyone to deposit my checks so I can have proof. I do n't want to give them my card to take out my payments because I do n't trust them.
XXXX XXXX has put a XXXX XXXX XXXX on my credit report that is not mines, back in XX/XX/XXXX I had lost my social security card and identification card and a few other things out of my wallet, Well back in XX/XX/XXXX I found out that someone had put a car in my name, not only did they put a car in my name put got into an accident along the highway back in XX/XX/XXXX,  I found out when I got XXXX  for XXXX XXXX XXXX, on my XXXX it says i drove a car without insurance which is associated with the XXXX, I had reached out to XXXX XXXX several times, I have disputed the information, I have called and spoke to many representatives, the last rep she claimed to be a manager her name was XXXX, she told me she would look into it and keep in touch with me, I sent over all the proper documentation she asked for, I explained to her the situation, meanwhile their doing this investigation I am being punished by the Indiana Department of Transportation, in the amount of XXXX ( starting off ) current balance XXXX , I dont know what else to do at this point. Its gotten my license suspended so i cant even get MY drivers license, then they want a police report, but i was not at the scene nor did i know until almost 2 years later so there was no police report filed just security freezes on all 3rd party consumers and credit bureaus. I want to get this resolved immediately, I truly do not want to file bankruptcy, I want them to remove this from my credit report because it is not mines and it is causing me nothing but XXXX.The car was fraudently opened, I have even contacted the dealership and they all redirect me to XXXX XXXX
To Whom It May Concern : I have recently been informed that there is negative information reported by Chase card over XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing This is a fraud account on XX/XX/2017. 
I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with Chase card and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter 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 My contact information is as follows : XXXX XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX, CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
I send my payments every month on time with {$220.00} extra towards the principal. The payments take over a week to post correctly on my account. Sometime causing a late payment. I started sending payments with tracking numbers, so I can see when they received payments. It always get there a week prior to posting. They do it on purpose so they can hold my money without posting on account for up to a week. I have to spend hours on the phone trying to correct the problem.
I was trying to get a pre approval for mortgage and when my credit report was run, it showed that I had a late payment at XXXX XXXX, even though underneath that information was the monthly payment calendar showing I made each payment. This caused me to not be able to be pre approved. I have been rebuilding my credit and in fact, have been paying XXXX XXXX early. I sent the paperwork they told me to dispute this and have heard nothing. The only issue I had with XXXX XXXX ever was a direct debit issue with my Credit Union last year that was resolved. I need them to remove that late payment blemish on my Experian credit report ASAP. I filed a claim with Experian also and have not heard back. This is criminal that a credit card company can miss report something and it affects my ability to get a mortgage and miss out on a great opportunity of a home I was interested in. 
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX PA XXXX XXXX XXXX XXXX last four digits  XXXX Thank you
Equifax continues to violate their stated rules and antidiscrimination laws by reporting outdated public record information regarding a Chapter XXXX bankruptcy filed 7 years ago in XXXX 2008. This wage earner plan was filed during the last week of XXXX 2008 and placed on the court docket in XXXX 2008. The plan was completed and discharged. Equifax has a policy of deleting XXXX XXXX bankruptcy information from credit reports between 6 and seven years after the date of filing. However, in my case they continue to engage in disparate treatment by steadfastly refusing to remove the information from my credit report.
I received an invitation to apply with a code to enter from XXXX. This is a progressive and socially responsible company and, in addition to the credit card, it has a cell phone company ; I was a cell phone customer for several years. So when I applied, I fully expected to be immediately approved. In addition to being a former customer, I have a pretty good credit score, have not had a late payment in XXXX or more years. Also, I currently have several cards issued by their bank, XXXX. When I was not only not immediately approved but got the " we 'll let you know in 7-10 days '', I was kind of upset. However, when I did get the letter from them, it stated flatly that I was denied because I had had a bankruptcy in 2008. When I called and emailed XXXX, I got a generic answer. Of course companies are certainly entitled to choose who they want for customers. My concern is that they did not state, not even in the fine print on the offer that people who had bankruptcies need not apply. If that had been the case, as in the instance of XXXX, that asks that question before even accepting an application, of course I would not have bothered. So that 's XXXX thing I think that is unfair to consumers ( and I wo n't even mention the fact that hundreds of banks have had their own financial troubles! ) as is the practice of having different criteria in the same institution. I have XXXX cards issued by XXXX and they have high limits and low balances. So, in addition to the embarrassment of having been denied credit, I have the dreaded hard inquiry on my credit which I have so carefully reconstructed after divorce forced me into bankruptcy years ago. In the interim I have been able to buy a car and a home so this hurts. And it was not stated at the outset that people who have had bankruptcies should n't bother. Can uniform standards among these companies be established? It is bad enough that they change interest rates with impunity.
XXXX is reporting a collection for XXXX on my credit file. I did not know about this debt until I checked my credit file. I did not receive any notices or any phone calls about this debt. I called and paid this debt as soon as I seen it on my credit report. However, I did not get my 30 days right to dispute notation.
Ditech is reporting a late mortgage on my credit report. I have never had a mortgage or any account for that matter with Ditech. I called them to resolve this issue and was told all I can do is dispute the account on credit. I asked to speak to a manager several times and was refused. This is holding up financial matters I wish to persue. I need this taken care of ASAP.
My card was stolen and there were unauthorized charges of XXXX and XXXX. I filed a police report. Called to give them the police report and asked to speak to a manager he basically told me the cops would n't help me. And they were n't going to look at the tapes when the officers told me they would, and stated they do not get involved in civil disputes even though I have no clue who stole my card. He was talking over me. The previous rep stated that once I obtained a police report they would re open my case in which this manager refused to do so. I do n't feel I should be charged when my card was stolen and to be treated like a liar was very disrespectful
freedom mortgage lower the vaule of house on paper XXXX. so they could charge me XXXX for mortgage insurance. l went from a arm to a fix same company same home. call company said it was because of a va loan fee. not true have XXXX XXXX XXXX  XXXX.