WillisBack/dataset-financial-user-claim huggingface dataset:
My debit card was used without my authorization while I was in XXXX undergoing a XXXX XXXX and XXXX XXXX  ( 2 XXXX  in 10 days ). Most of the charges occurred on XX/XX/18. I realized my card was missing on XX/XX/XXXX and immediately contacted the bank. I also reported the fraudulent charges. On XX/XX/2018 I received a letter stating my claim was denied. I immediately requested documentation used to deny the claim, as per Reg E, and the bank has failed to provide this information. I have called and walked into the branch many times and spoken to several supervisors. I also refiled the claim. On XX/XX/2018 I sent a certified/return mail letter requesting the documentation used - 6th time making the request - and explaining why I thought each one of the reasons given to denied my claim were not satisfactory. The reasons are that I notified I'd be in XXXX during the dates the charges happened, account wasn't drained, charges reflect normal spending habit ( I had my account for 2 months how can they say the had a pattern of my spending habits? ), and that there were no more attempts to used the card after XX/XX/18. I sent TD bank letters from my XXXX  and XXXX XXXX confirming my health state during that time. In addition, as per Reg E, the fraud was reported within reasonable time of learning of the card missing or fraud - I reported the fraud within 24 hours of learning the card was missing ( and within 60 days of it happening ). I have spent an obnoxious amount of time disputing the transactions/claim denial and TD Bank is not protecting me against fraudulent charges as they stated when I opened my account. In fact, they are adding to my loss by implying I am lying and or trying to commit fraud against them and the time I've wasted filing the claim and disputing their decision.
In the year XX/XX/XXXX I lost all my documents, my emigration papers, driver 's license and social security from my self and my kids, I notify the Emigration Department and I realized in one of his appointments that other people were using my identity and that of my youngest son, in XX/XX/XXXX someone used my identity and that of my son who at that time was under age to register in a store for a marriage ceremony. I now observe that I have many accounts in my credit and addresses that do not belong to me, and 14 requests for cards and applications denied in my credit history, On XX/XX/XXXX the Department of Emigration and Naturalization granted me a XXXX XXXX to solve my problem ... that document I am including in this letter. 

Thank you. 

XXXX XXXX.
OnXX/XX/XXXX, I logged in to my mobile banking app and saw that my savings account was negative {$10000.00}. I called customer service and my call was transferred until I got a person 's voicemail. The next day, I was called back and told that XXXX XXXX had filed a claim and therefore they debited my savings account for half of a settlement check that I had received and deposited in XX/XX/XXXX. So the bank debited my account without even speaking to me or notifying me. When I finally got a person at Bank of America, they said I needed to contact XXXX XXXX to find out what was going on. The next day, my checking account and savings account were closed without notifying me or warning me. I was also locked out of mobile banking and can not even access my past transactions. I have had this account for 22 years with no problems. When I went to the local branch, the manager there told me he could n't help me and neither could anyone at Bank of America.
Equifax had its information hacked. I went to their website and verified my info has been compromised.
Contacted Bank of America on XX/XX/XXXX and XX/XX/XXXX regarding accrued interest on the account. I have several balance transfers on this card which is the primary use of it. I have no interest accruing charges on it. BOA has been allocating all the payments made to the " first balance transfer date '' and not to the expiring transfer dates. This has caused those zero percent balance transfers that are expiring to now become interest accruing transactions. I have other balance transfer cards with multiple transfer timeframes on them, yet those seem to apply the payments to the ones expiring first, not when the transfer was first taken out. Not only did this occur, but they also didn't even attempt, based on the law, to apply the last two months to the one expiring the soonest, I check the XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX statements to verify payment application. The customer service agents and the floor manager on just kept repeating that the " law '' states they have to apply the payments to the one first taken out. This to me is bait and switch technique where they can then cause the customer undue burden. Granted I should have monitored the online statement but I will opt to change this to a paper statement in the future at their expense of mailing so I can monitor these transactions closely.
Experian is not responding to my requests to investigate and remove accounts from my credit report that do not belong to me.
XXXX/XXXX/XXXX, PURCHASED BRAND NEW HOME FROM XXXX. CONSTRUCTION BEGAN IN XXXX. XXXX XXXX UPGRADES WERE NOT DISCLOSED TO ME DURING CONSTRUCTION, SO MY CHOICES WERE LIMITED FOR FLOORS, COUNTERS, ETC. LENDER INCENTIVES - {$0.00} DOWN/ {$0.00} CLOSING COST-FOR USING A XXXX XXXX, XXXX FOR HOME LOANS. XXXX XXXX, WAS THE BEGINNING OF MY FINANCIAL CRISIS-SO FAR XXXX FORECLOSURE ATTEMPTS BY XXXX BK 'S COSTING ME $ XXXX LOST XXXX VEHICLES IN CH XXXX-NOW STRUGGLING TO MAKE PYMTS ON XXXX CAR SHARED WITH XXXX XXXX DUE TO EXCESSIVE ATTY FEES IN CH XXXX THAT WAS INTENDED SOLELY TO STOP SALE OF HOUSE. I HAVE FOUND ON : XXXX-DEED OF TRUST ( 1ST {$190000.00} ), PURCHASE MONEY DEED OF TRUST ( 2ND {$48000.00} ) -BOTH W/ SIGNATURE ON SEPERATE PGS/NOTARY PGS ARE DATED XXXX/XXXX/XXXX, 3 DAYS AFTER CLOSING:XXXX XXXX ASSIGNED 1ST AND 2ND TO XXXX WHO ASSIGNED TO XXXX EVEN DAY-XXXX MIN XXXX DEACTIVATED : XXXX/XXXX/XXXX, 4 DAYS AFTER CLOSING, SPECIAL WARRANTY DEED-CASH ( {$10.00} ) FROM XXXX OF TX TO XXXX DBA XXXX , THEN, SPECIAL WARRANTY DEED W/XXXX RESERVED AND ASSIGNED TO 3RD PARTY LENDOR PROMISSORY NOTES OF {$220000.00} AND {$56000.00} PAYABLE TO XXXX FROM XXXX : XXXX/XXXX/XXXX RELEASE OF LIEN ( 2ND {$48000.00} ) BY XXXX, REQUESTED BY XXXX XXXX XXXX, PAID IN FULL : XXXX/XXXX/XXXX ASSIGNMENT OF DEED ( 1ST {$190000.00} ) FROM XXXX, NOMINEE FOR XXXX, TO XXXX XXXX XXXX XXXX, TRUSTEE FOR CARRINGTON MORTGAGE LOAN TRUST SERIES XXXX ASSET BACKED PASS THROUGH SECURITIES WITH SEPERATE DOC FROM XXXX, NOMINEE FOR XXXX, REMOVING TRUSTEE AND ASSIGNING SUBSTITUTE TO FORECLOSE-THE RELEASE OF LIEN AND THE ASSIGNMENT OF DEED REF THE XXXX MIN NUMBERS THAT HAVE BEEN INACTIVE SINCE XXXX/XXXX/XXXX. THE RELEASE SIGNED BY XXXX XXXX ( VP OF XXXX ) NOTARIZED IN XXXX, THE ASSIGNMENT ON XXXX/XXXX/XXXX SIGNED BY XXXX XXXX, XXXX SEC FOR XXXX WITH TRUSTEE NOTICE ON XXXX/XXXX/XXXX SIGNED BY XXXX XXXX, VP OF CMS- ATTY IN FACT FOR XXXX XXXX WERE BOTH NOTARIZED IN XXXX CA BY A CMS EMPLOYEE, XXXX XXXX XXXX THE VP OF CMS, XXXX. SHE GOES BY XXXX XXXX-EMPLOYEES ARE NOT ALLOWED TO FORWARD CALLS DIRECT TO HER BECAUSE SHE IS VP : NOTARIES NOT ALLOWED TO DISCUSS DOCUMENTS : XXXX/XXXX/XXXX 2ND SUBSTITUTE TRUSTEE ASSIGNMENT POSTED, SIGNED BY XXXX XXXX DEFAULT LEAD FOR CMS, XXXX CA. ALL 3 NOTICES SAY RETURN TO CARRINGTON FORECLOSURE XXXX IN XXXX CA- I WAS ADVISED BY CARRINGTON CALL CENTER, THEY DO NOT HAVE A LOCATION IN XXXX , CA. XXXX XXXX XXXX XXXX-IS A TRUST CONTAINING BUNDLES OF SECURITIZED LOANS ; MORTGAGE WITH CMS WAS DISCHARGED IN 1ST CH XXXX BK ; CMS CLAIMING XXXX XXXX AS LIEN HOLDER OF NOTE ; RECORDS SHOW XXXX DBA XXXX XXXX AS HOLDER OF NOTE. ASSIGNMENTS FROM XXXX TO XXXX IN XXXX OVER RIDE ASSIGNMENTS TO XXXXCMS IN XXXX, PLUS THE ENDORSEMENTS ARE NOT VERIFIABLE.
I applied for a home mortgage end of XX/XX/2018, beginning of XX/XX/2018 and was pre-qualified. I found a home to purchase and entered into a contract XX/XX/18. Caliber Home loans was handling the financing loan for this new purchase. They requested the usual documentation such as the most recent XXXX 's for the past two years, most recent 30 day paystub from employer, last two months of bank account statement, etc. etc. Every document requested was provided to the company. I was selling my property in order to finance a conventional loan with 20 % down and this was disclosed from the beginning of application to loan officer. We were expected to close the same day on both properties, that is my old home and new purchase on XX/XX/18. My property being sold closed but I could not close on the new property being purchased due to the underwriter delaying funding of my loan. She kept on requesting documents at the very last minute, some of which had already been provided to the loan officer, and she kept on questioning information on my application that was clear and evident from documents that I provided to them. She would take 48hrs to review one piece of document and would then request more therefore delaying the close of my escrow on the new purchase even more and causing me to incur extra financial charges by delaying the move to the new property as I had to rent back my old property. She delayed the close of my Escrow on new property by almost a week and this caused a financial hardship for me and my family not to mention a severe amount of physical, emotional and mental stress that caused me to suffer physically by XXXX XXXX XXXX   supply as a XXXX XXXX which affected my 6 month old baby. I felt like I was being discriminated against for being a single XXXX XXXX XXXX of XXXX. She requested the child support order that was not even consider in the application as a mean of income for repaying the loan. Even at the time of signing my documents with the notary she wanted me to provide another statement from my retirement account even though the most recent had already been provided. It was the most stressful and horrible experience of my life as I was almost forced to move out of my old property without having a new place to move into and no preparation as she delayed the entire process and I felt like I was being evicted out of my old home and had no certainty as to when I would close and receive the keys to my new home. I have never had such an experience with a home mortgage and I have refinance several times. I would never finance again from Caliber nor would I ever recommend to my family, friend, co-workers or the public in general.
The home was originally included in CH XXXX due to going through a divorce & having to file. I followed through with the plan until the joint payments were made then requested a voluntary dismissal. I contacted Vanderbilt Mortgage prior to dismissing the CH XXXX and was told that the payments were behind from CH XXXX but a modification was done to put the payments on the back of the loan. I was able to make a few payments then got really ill from a procedure. I was out of work for 11 months but did & still doing everything I can to make payments. I am currently behind 4 payments with no resolution. I have received several rude phone calls demanding payment or deed in lieu. I am back working full time, able to make monthly payments, Life happens please help. Thanks
Synchrony Bank offers the Care Credit card which I have used for health care related expenses for a few years. About two months ago, ( late XX/XX/XXXX ) I received a credit monitoring notice that a new card was added to my account. I called the company immediately because I did not apply for or ask for a new card. They told me that they were upgrading me and providing me with a new card that would have a XXXX logo so it would be usable anywhere, not just at Care Credit providers. I told them explicitly that I did not want this, I did not ask for apply for this new card because I knew that opening up a new line would impact my credit. They said it was already sent in the mail and there was nothing that I could do about it, even though I stressed I did not apply for or want this card - and that they essentially opened up a new account in my name without my consent. They said that when the card arrived I could just cut it up and within 30 days they would deactivate it if I had n't used it. I have NEVER in my life heard at such an XXXX process and I have worked in compliance at XXXX XXXX. A month later ( by XX/XX/XXXX ) the card still had not arrived. I called the company back ( just this week, XX/XX/XXXX ) about this because I received numerous alerts from from my credit monitoring service that charges were being made from this new account that I did not apply for or open and in fact still did not receive a card for. I called the company again to complain about this deceptive practice and asked them to close all my accounts and flag the charges as fraudulent. At that time, it was {$1200.00} in fraudulent charges. As of today ( XX/XX/XXXX ), I logged into my credit monitoring service to see that the card is up to {$3100.00} in fraudulent charges even though I called over 48 hours ago to close this account. I have no idea what Synchrony Bank is doing but it seems that they are allowing identity theft to take place and are opening up accounts in customer names much like the XXXX XXXX scandal. Please investigate. I have worked very had to have a strong credit report and this incompetence can not be allowed to proceed.
They repeatedly call, leaving a message for " XXXX XXXX '' or something. This is not me and I have no option to stop them calling cos it's a robocall. I XXXX  number and it tells me it's from ProCollect ( not mentioned in spam ).
This debt is not mine it 's my daughter, I spoke with XXXX @ XXXX and was told that this debit should be my daughters XXXX for her child XXXX but somehow it was on my report, The young lady by the name of XXXX states she would have this debt removed but it still on my credit report from IC Systems.
I went to open an account at Bank of America and the lady entered in all of my information and I was denied an account and given a phone number to call, I called the number and it was Bank of America 's " risk department '' they stated that I had previously had a Bank of America account and it had been closed, I informed them I had NOT had a Bank of America account and I am a XXXX ( I am and have been dealing with it since 2009 ) and the man said that it did n't matter my police report and affidavit would make no difference and I would NEVER be allowed to have an account with Bank of America because the account opened by the XXXX had been closed. When I was filing my XXXX police report the packet they gave me said that no creditor or bank could hold being a XXXX against me because it was n't me. He was extremely rude and since it is illegal to hold XXXX against someone I would like something done about this it is n't my fault someone XXXX and it has been headache enough. The fact that he said I exposed myself to XXXX and that alone made me too risky is extremely offensive considering my XXXX after I got robbed XXXX and the guy stole my wallet.
I 've been working with the servicer BSI Financial Services. 
I received a letter indicating to send payment to them I also received a call to send my payments else where. The first thing I did was sent them a validating letter to validate the debt starting on XXXX/XXXX/2015. Including the trustee XXXX. BSI Servicer did not respond to any of my letter. I sent the following letters. 1. QWR 2. Notice of default 3. 2nd Notice of default. 4. Non response. 5. default. 6. Cease and Desist. I also receive calls saying they were modifying my mortgage which never happen. BSI and XXXX XXXX trustee foreclosure on my property and sold it to a 3rd party. XXXX is the evidence of paper work. This foreclosure was an illegal foreclosure they never validated the debt nor they had the rights to foreclose on me.
i contacted the company asking for verification as well as validation including my signature of a signed contract of this alleged debt. they sent back a bill which is no indication of evidence of my knowledge of this debt. i explained to them that i have been victimized by identity theft. they have yet to take action of any kind and its still reporting to my credit.
On XXXX XXXX, 2015 I have received a phone call. It was an automated call saying that I have to call back, because it is a legal matter and if I dont call back I will be penalized and sued in the court. I called back to the provided number only to find that it was a collection agency that said I have to pay them now, I checked my credit report and turns out that an old bank account had put m eon collection for {$140.00} total but the collection agency requested over one thousand dollars from me. They said that I have to pay now or go to court because they already filed a lawsuit with the court. They also suggested that if I ca n't sign for the papers today ( that same day ) I can call a number to change the delivery date. I called that number and they sent me to talk to the manager. He cursed at me, used unbelievable profanity and requested that I pay them now. I said that I dont even know who they were, what account I owed money for and that they need to send me papers to see along with advertised lawsuit that was " filed '' by the collection agency. They just hanged up on me. I called back and that same person again used profanity against me, when all I wanted to know who they were and some proof on the amount they requested. He then threatened me that he will sue me and that I will go to court.
Synchrony Bank of XXXX Florida created a fraudulent bank account in my name and issued an Amazon credit card that was used to purchase a XXXX laptop computer. I was never contacted about the creation of this bank account or issuing of the credit card.
This company has sent me a bill claiming I owe a debt. They posted the debt on my credit ( XXXX ).  The company never gave me 30 days to dispute prior to posting to my credit report. This is against the Fair Trade Act.

This debt from Hunter Warfield is not mines.

COLLECTIONS Hunter Warfield Inc Opened XX/XX/2016 {$4000.00} Original creditor : XXXX XXXX XXXX XXXX Record that I dispute having any obligation for this debt. If you forward or return this debt to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 

Thank you for your cooperation.
RE : URGENT ATTENTION FORMAL COMPLAINT AGAINST SWBC, SPECIFICALLY LOSS MITIGATION FALSE STATEMENTS AND WILLFULL DENIAL OF PREVIOUS CLAIMED RECEIVED DOCUMENTS TAKING EXPEDIENT ACTIONS TO FORECLOSE ON MY HOME QUALIFIED WRITTEN REQUEST, ERRORS NOTIFICATION AND REQUESTING PULL ALL CALLS ( CALLS ARE RECORDED FOR QUALITY ASSURANCE ) MADE BY BORROWER TO SWBC TO VERIFY CLAIMS NOTED IN THIS FORMAL COMPLAINT To All Parties Listed Above : I am  submitting this formal complaint after receiving the devastating news today from SWBC Loss Mitigation, that my Loss Mitigation file was closed on XX/XX/2018 and my home is in Active Foreclosure Status with a law firm to sell me home, based on the blatantly false statements that I did not respond to their written communication and that I did not submit requested additional documents. I received a Letter that is attached that falsely has written that two letters were written to me, the dates of the letters are not provided in the letter, and that I did not submit the additional documents, and therefore SWBC would be unable to complete my application and evaluate it for any HomeOwners Assistance Programs. 
I HAVE MADE IT ABUNDANTLY CLEAR BOTH VERBALLY AND IN WRITING THAT MY INTENT, GOAL AND EXPECTED RESULT IS TO KEEP MY HOME VIA A LOAN MODIFICATION APPROVAL FROM SWBC MORTGAGE. I AM A VETERAN AND I WORKED HARD ALL OF MY LIFE TO OBTAIN THE AMERICAN DREAM, AND A MEDICAL EMERGENCY CAUSED MY HARDSHIP AND SWBC 'S ACTIONS ARE CAUSING BARELY HEALED HEALTH ISSUES TO NOW CAUSE ME MORE PROBLEMS!!!
I need some assistance in having Fedloan process my most recent IDR request form that was submitted on or about   XXXX   XXXX   XXXX   , via fax.  I have made numerous phone calls regarding this and have been consistently told that either the form was being processed or that it could not be processed. In the meanwhile, I did not make an  XXXX  payment because I do not have the new amount and was advised by Fedloan to NOT make an  XXXX  payment ( and to wait for the form to be processed ) because I am not at risk of negative reporting. I am concerned because I had a similar situation late last year and my account did in fact suffer negative reporting.     Se e Fedloan letter date d  XXXX / XXXX / XXXX  wherein I was told that I needed to make three on-time payments under my current IDR plan before a IDR for a lower payment could be processed.    See Fedloan  bill dated  XXXX / XXXX / XXXX  that shows the  XXXX  payment due of {$700.00} which was the current IDR payment.   See my  XXXX  -  XXXX   XXXX  payment history which shows that I made three consecutive payments in the IDR amount and on time.   Fedloan required me to re-submit IDR request because pay stub had expired. I sent in new request on or about    XXXX   XXXX   XXXX   as  stated above - via fax.   See  Fedloan letter  dated  XXXX / XXXX / XXXX  wherein I am again told that my request was denied because I needed to make three consecutive on-time payments on the current IDR. This obligation has been fulfilled pursuant to the  XXXX  payment history submitted.   I have had numerous telephone conversations with Fedloan to explain that I had fulfilled this obligation and attempted to determine a new payment. I spoke with a representative last week who advised that my IDR form was still under review but offered that my estimated new payment when approved would be {$280.00}.   On Monday of this week (  XXXX  ) I called  Fedloan  and requested to speak with a supervisor to demand a new payment because I was past the payment due date. I spoke with  XXXX  who explained in layman terms that my account ha d a road b lock that he needed to move to clear the way for my IDR to be processed.   See  Fedloan letter d ated  XXXX / XXXX / XXXX  where again, they are denying my IDR request until I make three consecutive on-time payments on current IDR. I HAVE DONE THAT!!!   When I accessed my Fedloan account online today I noticed that the payment amount had changed from {$700.00} to {$630.00} ( See screenshot ) I have no idea how, why, or when this odd payment amount was attached to my account.     Clearly  Fedloan  has me going in circles and as a result the good standing of my account and ability to manage it is greatly compromised. I simply need to know what my new payment is and when I can begin to make the new payment. Given the circumstances, I should not be penalized in any way. Thank you.
I 've sent Afni a letter asking for validation of the debt I allegedly owe them. I 've never done business with Afni and do not know who they are.