WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX 2015, JP Morgan Bank deducted without authorization from my personal checking account {$300.00} listed as an ACH payment to XXXX XXXX. I have never authorized any ACH payments from my account. I have never used the Debit card to make a debit purchase in the years I have had the account with Chase Bank. On XXXX XXXX, 2015, another {$500.00} was deducted from my account without authorization as a new ACH payment. On XXXX XXXX, 2015, while depositing checks, I ran a statement of my last XXXX transactions from the ATM and received a print out. I went into the branch and alerted the bank to the fraud. The fraud division at Chase did not answer the phone for 28 minutes even though the call was from the branch. After several calls on the morning of XXXX XXXX 2015, I received the information that anyone with my checking account number and routing number ( which is on the face of every check ) can withdraw money from a person 's checking account in any amount! No written authorization from me, no notice to me of the withdrawal from my account. Nothing. Robbing people 's money at Chase Bank is as simple as taking the account number and routing number and submitting an ACH request to the bank. Is there no surety bond for a party taking an ACH. 
Is there any background check on the party requesting an ACH? I wonder if my XXXX year old mother would recognize an ACH debit from an organization that appears to be a utility bill ( in my case XXXX XXXX ) or an insurance bill ( XXXX XXXX XXXX ). 
This is the easiest method to rob the elderly and the majority of Americans who do not pay attention to their accounts. 

What has government done to stop this looting of accounts? It appears very little has been done. What is the purpose of CFPB if it can not protect the basic checking accounts of citizens. What is XXXX XXXX doing about this looting of accounts by simply submitting ACH requests? Does XXXX XXXX have the personal fortitude to correct this problem? Senator XXXX XXXX fought for XXXX XXXX to be head of CFPB - I am hoping that XXXX XXXX has the personal fortitude to make a difference in this matter and make his parents proud of his actions -- not just of his title as head of CFPB and his salary and benefits.
I am a victim of identity theft. On XXXX XXXX, 2015 a credit inquiry was made by XXXX XXXX. On XXXX XXXX, 2015 a credit inquiry was made by XXXX. I sent certified letters to both XXXX XXXX and XXXX and received letters from XXXX acknowledging the fraudulent inquires and stating that they would be removed. Equifax has not removed the inquiries and has told me they must receive the request directly. Attached please find my fax to Equifax with copies of letters from XXXX XXXX and XXXX.
I graduated on XXXX XXXX, XXXX. Toward the end of my six month grace period after graduation, I requested Forebearance for my XXXX loans with Sallie Mae. I was living in XXXX and Sallie Mae instructed my parents to call every three months to pay a fee and renew the forebearance. I was first charged a {$150.00} ( {$50.00} per loan capped at {$150.00} - this shows on my account payment history as {$25.00} for each loan ) fee for forebearance on XXXX/XXXX/XXXX. My parents called again and my next charge was completed on XXXX/XXXX/XXXX. My parents called again and my next charge was completed on XXXX/XXXX/XXXX. For my final 3 months of forebearance I had left ( forebearance may only be used for a total of 12 months ) I called Sallie Mae and was charged on XXXX/XXXX/XXXX. After this transaction my account showed that my next payment would not be due until XXXX/XXXX/XXXX. Recently, we began receiving calls that I owed a payment to Sallie Mae for the total amount of my monthly loans. I have spoken with Sallie Mae at least every other day for the past XXXX weeks. I continue to be told the problem will be resolved on my account and nothing changes. At the top of my account loan summary, there is an alert that all XXXX of my loans are past due. As you continue down and look at each loan, there is a statement below each that states " In Forebearance - No Payment Required ( estimated principal & interest payment due date XXXX/XXXX/XXXX. '' My transaction history shows late charges for each loan. My cosigner, in an effort to stop the constant telephone calls from Sallie Mae, was told he could pay an extra fee of {$150.00} for one more month of forebearance. This does not make sense because if I paid on XXXX XXXX my final three months of forebearance, then I ca n't understand why I received late charges on XXXX/XXXX/XXXX. If there truly was a problem with payment, no one informed us of this at any point when my parents or I spoke with Sallie Mae to renew my forebearance. 

I am completely frustrated trying to resolve this serious issue with Sallie Mae, who seems to have a different record than I am reading in my account. I can never speak with the same person, and I am assured the problem will be resolved within 24 hours on my account and it is not. I am concerned if Sallie Mae and I can not reach the point where all of this is resolved that it will unfairly affect my credit. 

Thank you for your time.
I May or may not be part of the XXXX credit information hack. I can not be certain since its been shown reliably that the XXXX  verification tool is giving out bogus information. And therefore now have to take proactive steps to ensure i 'm safe. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or TransUnion in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information, without my consent and I should not be required to pay them additional money to protect my information, Especially when companies like Trans union have in the last week redesigned their website to promote a " credit monitoring '' Service instead of linking directly to a credit freeze application. Thees " bureaus '' are doing a POOR job of protecting my information, then want me to pay them to protect it, FROM THEM The sheer hubris of this in light of the failures by negligence of their actions in the first place is astounding.. Thank you for taking time to read my complaint.
In XX/XX/XXXX, I received a phone call from XXXX XXXX, my mortgage company, about a disaster forbearance due to Hurricane Harvey. During that time I was told that no payments would be due on my account and that no credit reporting would done. At the end of XX/XX/XXXX I received a letter that stated my disaster forbearance would end on XX/XX/XXXX and at that time the total sum of my account would be due in the amount of {$1500.00}. Because XX/XX/XXXX was a holiday and offices were closed, I called XXXX XXXX on XX/XX/XXXX and paid the requested amount of {$1500.00}. On XX/XX/XXXX, I received a credit monitoring notification that there were changes to my credit report. When I checked my credit report, it was noted that XXXX XXXX reported my mortgage account as delinquent 90-119 days past due. I then placed a call to XXXX XXXX  and spoke to a manager regarding this matter. I was told that they were aware of the problem and an issue with their system prompted the system to subsequently report all customer accounts that were on disaster forbearance as delinquent for more than 90 days. I was then told that a task was sent on my behalf to their credit reporting department to have the incorrect reporting updated to adequately reflect no late payments. I was also given the name and fax number of a XXXX XXXX and was told that as an added measure, I could submit a letter to her in an attempt to expedite the matter, which I did. I made subsequent phone calls to XXXX XXXX  regarding this matter to have the same answers regurgitated and no action taken. This reporting has dropped my credit score over 100 points and even further dropped my credit score by having my creditors reduce my credit limit on current accounts thus increasing my utilization rate on these cards. This has also made me have to put a needed car purchase on hold as my credit score, as it stands would cause me to have a higher than wanted interest rate and down payment. It has been past 30 days and my credit report continues to reflect an account that is 90-119 days late. 
A more thorough review noted that XXXX XXXX has reported my account as 30 days late for XX/XX/XXXX, which is also incorrect. 
I have disputed this information with the credit bureaus and submitted proof of the letter received and proof of payment, it has been past 30 days and nothing has been removed from my account
Hi I have been banking with BankOfAmerica for the last 6 years and recently opened a new savings account last week Saturday over the phone with a banker. The banker requested my debit card number so she could make the initial {$25.00} deposit to open my account and the banker debited from my account twice which I have attached proof. I alerted her to the XXXX transactions and was told that it 's not processing on her end but it may show up in about 3 business days so I was told to wait until Wednesday which would of been the third business day until the transaction was processed and if not to call back in, we then went through the online e-banking process and she helped me to set up an online account. Tuesday of the following week I transferred {$250.00} to bring my account to a XXXX minimum so the {$5.00} monthly fee would be waved, by Wednesday I signed into my other checking account which was used to debit the XXXX charges of {$25.00} each and I noticed my account was credited {$50.00} back so I called my bank and was told that either BankOfAmerica cancelled, rejected or their could of have been a merchant error in processing the XXXX fees and bankofamerica did not receive any money. I then decided to transfer back XXXX from my bank to bankofamerica so I could bring my account to an even {$300.00}. A while later I checked my account to see if the money was received and while trying to login I was given an error message and a number to call. I called and reached a very rude and inconsiderate account risk customer representative and was told my account was closed and there is nothing I can do about it. I asked why and was told BOFA had the right to close my account without my permission and I am BANNED from life from ever opening an account with BOFA, it was a business choice and I am welcome to bank with another bank but it 's a business decision that we no longer want you to bank with us. I was appalled, shocked and hurt. I have been banking with you guys for the last 6 years because you guys are the closest branch to where I live. I went to the bank later that day and was told they could do nothing for me and my money would be sent out in a check to my home, at this point I do n't know who to reach at this point and everyone has continuously transferred me to the account risk department to be told the same thing but no one as actually cared or concerned themselves to help me resolve an issue and at this point no one is giving me a chance and I 'm just being kicked out of BankOfAmerica and forced to open up an account with a new bank. I would really appreciate any help please.
Hi I 've made a payment on my  Amazon.com credit card, before I heard from them I saw my bank rejected the payment for one reason, I 've attached a snap shot where you can plainly see when they charged me {$29.00} ifs for Amazon while there was {$400.00} in my account. My payment was {$110.00}. Clearly the money  was there. I immediately I log on and pay {$300.00} and they tell me my account is closed. With no warning, no letter in the mail, no phone call. I 've called to try to speak with them but I 'm refused any help. I was informed that they sent a letter on the  XXXX . Which is 9 days after my payment was due. And told I would n't recieved it f or 9 to 1 0 days. Stating my account was closed. Also I 'm not given any information about the reporting of my account to the credit beurro. I was given an address at end of call t hat may or may not review my info. Also I asked if the payment was submitted 1 or 2 times to my ba nk and recieved no answer in regards to that.
I am filing a complaint because Experian, has ignored my request to provide me with the documents that their company has on file that were used to verify the accounts I disputed were in fact accurate. Being that it has gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA- they are required to ... promptly delete all information which can not be verified. '' that I have disputed inaccurate. Please resolve this matter as soon as possible. Thank you
i have several items that do n't belong to my credit history i have called and have sent all required info my ssn card, my drivers lic, anything they ask from me. please help me. 
these are the accounts that do n't belong to me XXXX i have called all these companys several times with no help.
disputed a debt on XXXX report, called Hospital to get information about debt. asked if they used a XXXX. in XXXX from XXXX XXXX XXXX, Hospital staff connected me directly with a company that handled collections for XXXX. ( XXXX XXXX ) ... they said they had no information on me. XXXX report showed Commonwealth Financial as collector. Got # called them told me by phone debt was {$170.00} & service date was XXXX/XXXX/XXXX @ XXXX XXXX XXXX Hospital in XXXX XXXX ( never been in that Hospital ) I was seen in ER @ XXXX XXXX XXXX. in XXXX on XXXX/XXXX/XXXX & admitted. @ time I had XXXX insurances XXXX & XXXX ( was in process of filing for XXXX ) & Insurances paid bills in full ( {$0.00} balance ) Collection Co. just seemed to make up a balance? Lied to me about amount ... Person I spoke w/ a collections is XXXX XXXX Commonwealth Financial Systems XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ext XXXX ) I asked for letter for validation w/ date of service/amount/date of last activity/etc ... ( He pretty much told me He 'd send their standard statement ) would not tell me what info would be on it ... The {$170.00} is bogus & 2 years different on date of service. Seems like a case of FRAUD to me??? Tomorrow I 'll mail a cease & desist letter w/ a request for Validation letter ... Filed a complaint w/ XXXX as well. will gather supporting evidence from hospital & Insurance companies. We 'll see if I 'm sent anything from them? Want this removed from Credit Report. Seems like my credit report is full of mistakes ... lodged other disputes. I do n't have perfect credit & do n't claim to be a saint ... BUT WRONG IS WRONG. I 'm trying to repair credit ( I do n't need errors/fraud, to make it any harder than it already is. )
Transuion is reporting an account that was opened fraudulently, I have asked the creditor to provide my signature & a copy of the original application. the creditor is unable to produce these items. 
XXXX/CHARGEOFF Credit Cards {$820.00} Status Date Reported XX/XX/XXXX Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due {$820.00} Account Details Account Number XXXX Account Type Credit Card Responsibility Individual Credit Limit {$700.00} Credit Used XXXX % Highest Balance {$820.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX Payment Details Amount Past Due {$820.00} Date of Last Payment XX/XX/XXXX Monthly Payment {$0.00} Payment Frequency Not Reported
Quality Loan has a sale date on my home for XX/XX/XXXX16 yet my lender XXXX Mortgage claims the date has been postponed ( false ). Quality claims they ca n't postpone unless the servicer ( XXXX ) postpones it and they have not got the ok to stop it, even though I am in a LOAN MODIFICATION. This fraud and deceit of stealing my home and millions of others, still persists and your agency CFPB and others have not put a dent in it, get off your behinds and start helping homeowners like myself who are at an age where we do n't need this type of unnecessary stress.
I contacted Experian on or about XX/XX/2016 letting them know I had been a victim of identity theft and there were several items on my credit report that were a direct result of identity theft and that Experian needs to delete these items immediately. After several letters of communication with Experian they sent me an updated report with the necessary changes and items that were deleted from my credit report. Shortly afterwards on or about XX/XX/2016 I reviewed my credit report and to my surprise these accounts that Experian had deleted were reinserted back on my credit report without any notice. According to the FCRA section 611, Procedure in case of disputed accuracy ( 15 U.S.C 1681i ) Experian has to give me prior notification in writing that items will be reinserted. I did n't receive any notice. I reserve the right to seek legal council and file a civil suit according to the provisions of the FCRA 1681s-2 ( b ) The items Experian reinserted that need to be deleted permanently are XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, U S DEPT OF ED/XXXX XXXX, XXXX
I entered into a mortgage loan with Wells Fargo Home Mortgage and the loan that was offered on predatory terms. They have also refused to allow me to refinance the loan that I previously received. They also denied me the right to pay off this mortgage.I have been taken advantage of by Wells Fargo.I have been paying on account XXXX for over 20 years. I have been making balloon payments of $ XXXX monthly payments for over 20 years and my balance is still {$43000.00} and that not correct. Wells Fargo has tried to take my house several times and made me come up with balloon payments but my balance does not reflect these funds. Out of the total monthly payment of {$800.00} only {$73.00} is going to the principle and the rest is being applied to interest. I had XXXX at the time that I signed this loan and I feel like they are taking advantage of me and waiting for me to die to take my house. The way that they set up this mortgage loan, I will never own the house I have paid for over 20 years.
This company is trying to collect on a illegitimate debt that XXXX XXXX XXXX claims that I owe. I always paid the dentist my co-pay and I always had insurance whenever I went to this provider. Sometimes I would have to pay many hundreds of dollars to this provider, sometimes over a thousand dollars. I always paid my dental bills in full at the time the service was rendered. This claimed debt is completely illegitimate. I believe that I informed the debt collector, CHOICE RECOVERY INC, of these facts. If this item continues to remain on my credit report, I intend to sue both CHOICE RECOVERY INC and XXXX XXXX XXXX for slander of credit.
Navy Federal Credit Union has issued XXXX loans in my name to my spouse. I discovered these debts in XXXX XXXX. I am currently pending a divorce and have filed a criminal complaint against my spouse for forging loans and taking credit cards in my name ( total XXXX accounts at approx. {$160000.00} ) and filed a divorce in XXXX XXXX in Montana. Navy Federal 's loans issued in my name have helped to destroy my credit rating and I am in their collections department for a loan that I did not authorize to be taken out or take out. I have reported to Navy Federal Credit Union that the loans are fraudulent and forged as I never authorized them or signed them or gave signature authority to my spouse or anyone else to take them. I have provided affidavits to Navy Federal Credit Union telling them of the fraud they will do nothing and are coming after me in collections. I obtained the XXXX forged promissory notes from Navy Federal Credit Union in XX/XX/XXXX, XXXX XXXX and XXXX XXXX. I can not get any assistance from them and they claim that the loans are not fraudulent. 
My Criminal statue for Felony Forgery is still active from date of discovery and so is my civil statute. I am using my rights on both ... criminal vs. wife and civil against wife. I also will be filing civil suit vs. Navy Federal Credit Union for their part in my financial destruction. 
In Divorce actions I am required to maintain assets and payments until court decides the action ( economic restraining order ) so I started paying from my account on the vehicle loan in XXXX XXXX. Very easy to prove and Navy Federal will show that I have been paying XXXX per month since XXXX XXXX. Other than that I have never made payment on any of the loans as I did not know that they existed.
American Express continues to call me at work ( due to late payment ) 3-5 times a day. I informed them the first time they called that I can not receive these phone calls at work and provided them with my cell phone number. As of this afternoon, the calls continue to come in. My employer is not happy and I have already been verbally reprimanded for these calls.
I paid what I was told was my final payment on a XXXX XXXX XXXX phone that I cancelled. Next thing I new I received a letter for collection. I called to ask whet this is about they told I still owed money on this XXXX phone. I told them this was a mistake and I hung up and called XXXX XXXX XXXX. XXXX would not discuss the bill because the bill was sent to collections. But, they did tell me that XXXX XXXX called and change my address to a North Dakota Address. I asked them who authorized the address change and they said she did. No XXXX XXXX on account. After a couple of months I received another letter from a different collection agency. I called them and explained what happened and they said to pay the bill and they will have the back office review and the collection could come off my credit within 60 days. so, I paid. XXXX collection still on my credit report and now the North Dakota address appears on my credit report. Thanks for you consideration
Based on recent news reports, I believe I have a situation where a Wells Fargo employee forged my signature to cosign a line of credit loan with my former business partner. On XX/XX/2013, Wells Fargo emptied my savings account {$5100.00} claiming right of setoff. I spoke to and sent a letter to Wells explaining why the signature on the loan was not mine. In my letter, I attached a copy of the partner tax return showing that I had sold my interest in the business to my partner over a year before I supposedly signed the loan document. I would not co-sign a loan for a business that I had no interest in. I also explained that I had moved to XXXX from XXXX. There is a XXXX. fax number on the loan document, but no fax number from XXXX. 
I always sign documents using my middle initial. The loan document front page has my typed name XXXX XXXX XXXX, however the signature page is typed and signed XXXX XXXX. I provided Wells a copy of my signature on the XXXX document and my Wells Fargo checking account signature card. Both signatures are signed XXXX XXXX XXXX. The signature on the Wells document is vastly different from the XXXX signatures I provided. Because I did not sign the Wells Fargo loan document, I demand Wells return my money. 
attachment XXXX : XXXX pages Wells loan document attachment XXXX : XXXX page, Wells checking account signature card attachment XXXX : XXXX page, signature page of XXXX
I have a Capital One credit card that I paid off on XXXX XXXX, XXXX in the amount of {$720.00}. I received a bill in the mail for {$12.00} for additional interest charges. I contacted capital one to have the interest removed because I have never asked for a reversal in late charges before and although I paid off two additional cards that each have an over payment on and that I have to wait up to 60 days to receive the checks, they were unwilling to reverse the {$12.00} interest charges which is completely preposterous!! 

I then tried to contact corporate headquarters at the phone number of XXXX and was told by the young man that answered that the number I dialed was a third party number and that he could not give me anymore information then a corporate mailing address.