WillisBack/dataset-financial-user-claim huggingface dataset:
I make an atm check deposit for the amount of XXXX USD on X/XX/17 XXXX XXXX PST @ a Wells Fargo location. Was never made available to me. Not even ( XXXXusd ) there was no return reason and was adjusted out of my account with the description ATM Dep error. Later after I acquired proof of payment ( POP ). I noticed there was two deposits on the date of XX/XX/XXXX. One was an atm deposit and one was done the branch. both have different account and check numbers. Only one has available image. Wells Fargo has not credited my account for either deposit and claims to have no records of the 2nd counter deposit done inside the branch. advised me to seek legal action.
Original date sent was   XX/XX/XXXX   for {$500.00} Seller backed out of the deal and never picked the money up. All I want is My Money back. They have been promising to send me a check for 4 years and still nothing, They give me a number to " the Treasuery Office '' who is only settling cases starting the year after  (  XX/XX/XXXX  ).  I call and tell them this and they act like they are going to send a check, and then ill receive a notification with that same   XXXX   treasury number.- XXXX 
case id #  XXXX  I have been taken advantage of by not the seller, but western union.
Please help   XXXX   XXXX     XXXX
-On XX/XX/XXXX I went to a Restaurant, XXXX XXXX XXXX XXXX ( XXXX XXXX ) and had dinner with friends. I payed the check including tip for a total of ; {$100.00}. Days later reviewing my account statement I noticed a charge not authorized, from the same restaurant of {$87.00}. 

-On XX/XX/XXXX I submited a claim by email and fax with Banco Popular de Puerto Rico XXXXegarding the unauthorized charge to my credit card. 

-I called 3 times during the last weeks of XX/XX/XXXX since I never received a confirmation of the claim submition. No information was provided to me and the agent asked me to call again in a few days. 

-The first week of XX/XX/XXXX I called and talked to a service representative and told me that the claim was in process and FINALLY gave me a claim number. They asked me to allow 90 days to complete the claim. 

-On XX/XX/XXXX I called and talked to XXXX XXXX and referred me to the Fraud Department. My called was trasfered to XXXX XXXX. i explained the situation and told me that she was not able to help since the person in charge, or any supervisor whatsoever, was not available at athat time. She took my phone number and agreed to call back with informationi.  Never called back. 

-On XX/XX/XXXX I called again to the Fraud Department and talked to XXXX XXXX . She agreed to check the information with the assigned investigator ( XXXX ) and call me back the next day morning. Never called back. ' -On XX/XX/XXXX I called again to the Fraud Department and talked with a service representative. After asking more than 3 times I was finally transfered to the investigator assigned to the case ; XXXX. He informed that had no idea why the claim took so long but it was being resolved during our call, and I should receive a credit to my account during the next 24-48 hours. Two weeks passed by and no credit was reflected on my account. 

-on XX/XX/XXXX I called again to the Fraud Dept. and talked to XXXX XXXX who said no supervisors where available to assist my call/situation. She asked me to call the next day during XXXX and XXXX to talk with the supervisor ( XXXX XXXX ) -On XX/XX/XXXX I called again and asked for XXXX XXXX . XXXX XXXX, who answered my call, told me he was on in a meeting and not available to assist me. After insisting for more than 5 minutes to talk to a supervisor, I was transfered to XXXX XXXX. He told me the claim was completed and I should be a credit on my account in the next 24-48 hours. Same thing that I was told on XX/XX/XXXX. 

After more than 140 days I am still waiting for the resolution of my claim and the respective credit. Hours of my time spent for an authorized charged of XXXX dollars and XXXX cents.
Dear CFPB, on XXXX XXXX, 2015, I applied for a XXXX Credit Card issued by XXXX Bank. I received on XXXX XXXX, 2015 a declination letter form XXXX and the reason for their decision was " insufficient credit history on file '' and the CRA who is named is T.U. Consumer Relations ( Transunion ). This decision has hurt my financial life. It is the job of the CRA to report correct information furnished by the consumer. If the CRA was not able to provide to the creditor specific information of the consumer, theymust specify the item that was missing or incomplete.
This company is repeatedly calling me and when i ask why they are calling me I am told they dont know or it is a mistake. I have repeatedly asked to have my number removed from their database and they confirm this has been done however the calls keep coming. I have had the same conversation over and over and yet they do not stop calling me. 

I have asked to speak with the manager at this company here are her details below : Company : Alliance one XXXX XXXX Call Center supervisor XXXX XXXX XXXX XXXX Washington XXXX
i have several collections for services i never received or authorized. from the   XXXX   XXXX   XXXX   for {$830.00}, cbe group for {$6600.00}, {$1400.00}. also,   XXXX   XXXX   for {$130.00} and i never signed or authorized any of these charges. Also child support is showing {$8200.00} and i never went to court and proved any paternity or took any   XXXX   XXXX   to prove myn relations. would you please assist me in removing these unauthorized accounts. thanks
Equifax Confirmation # XXXX XX/XX/2018 Equifax has not provided any documents from XXXX XXXX showing a Charge Off or money owed and Equifax has showing a Charge off but nothing as proof or documents to prove there charge off. 
I have provided from XXXX XXXX there is nothing owed or any amount of money owed.
I submitted letters to Equifax,  XXXX , and   XXXX   regarding multiple student loan accounts that were on my credit report that are duplicates back in  XXXX . These accounts have been closed and paid, transferred to another lende r ( Consolidated ). I have also called them in regards to this matter as well.  I have not received anything, no results.
Sears mastercard states in writing that they ran my credit without my prior approval and reduced my credit limit from {$6000.00} or {$4100.00} based on a fraudulent basis see their note below : Our review was processed by a credit scoring system that assigned a numerical value to various items on your account ( s ) with us and your credit report I never authorized them to re-run my credit report after the initial credit application this is 3 years after the account was opened.
There is an address in California that is reportedly associated with my name being reported on my credit report. Ive never lived in California so I know that Im a victim of identity fraud in this particular case.
Hi my is name XXXX XXXX. I have some concerns with my servicer Select Portfolio Servicing. I have a scheduled foreclosure sale schedule soon on XX/XX/2019. Recently I have faxed and mailed in a loan modification Request for Mortgage Assistance form along with all the necessary documents that are essential to having a complete packet. SPS have received a complete Request for Mortgage Assistance packet and its under review. 

Im still just worried that they will play some game right before the sale and foreclosure on my home. They still have not cancelled or postponed the sale even though they have a complete loan modification packet and its still in underwriting review. This is a continuous game they play and always are putting me on the edge and fear that I will lose my home. Can they just cancel the sale and work with me. Give me a good loan modification with a principal reduction or something that I could afford monthly. 

However number of financial factors that make it more profitable for a mortgage servicer avoid modification and to continue to keep a mortgage in a state of default or distress and to push loans toward foreclosure. This is especially true in cases where the mortgage is owned by a third-party investor and is merely serviced by the servicer. However, this is countered by a number of financial factors that make it more profitable for a mortgage servicer such as Select portfolio Servicing to avoid modification and to continue to keep a mortgage in a state of default or distress and to push loans toward foreclosure. This is especially true in cases where the mortgage is owned by a third-party investor and is merely serviced by Service companies because Service companies do not carry a significant risk of loss in the event of foreclosure. 

California Business and Professions Code 17200 et seq., also known as the California Unfair Competition Law ( UCL ), prohibits acts of unfair competition, including any unlawful, unfair, or deceptive business act or practice as well as unfair, deceptive, untrue or misleading advertising. Select portfolio Servicing and all other previous servicers and their Investors conduct was unlawful in that : They engaged in the uniform practice of requesting unnecessary documentation, seeking repetitive submissions of the same documents, and never rendering a decision, and in doing so, such activity provides the basis for an unfair inquiry and could deceive the me because it places burdensome requirements on me that served no purpose but to provide a basis for either engaging in Dual Tracking by selling my home and by denying loss mitigation options, such as loan modifications If they proceed with the sale they will be violating the California Homeowners Bill of Rights Act
I disputed this information and it was removed.. However it has been placed back onto my credit report without proper notice.
I found a debt in my name for {$150.00} listed on my credit report. Through investigation, I was able to discover that the collection agency reporting this {$150.00} was doing so on behalf of a medical facility in a state I have never visited. I wrote the credit reporting agency ( XXXX ) in XXXX 2017,  who said I had to deal with the debt collection agency. I wrote the debt collection agency ( SCA Collections ) in XXXX 2017, who said that they could not provide me any proof or providence of the debt because of HIPPA laws protecting medical information. I wrote the original debt holder ( XXXX XXXX XXXX XXXXXXXX ) in XXXX 2017 who have never responded to my requests for proof of debt.
AllianceOne Receivables Management , Inc. is attempting to collect a debt that is erroneous and not owed. I have filed numerous complaints with the CFPB on this issue before, but it continues to be an ongoing issue, with several debt collectors involved. In numerous exchanges with XXXX and several debt collection agencies, my attorney and I have demonstrated that the debt is erroneous, and that it has exceeded the statute of limitations on municipal debts. All debt collection agencies, including XXXX ( XXXX ), XXXX, XXXX, and XXXX have dropped the debt. XXXX has pursued this debt on two separate occasions, and in both cases, has dropped the debt. The evidence my attorney and I have amassed demonstrating fraud, negligence, and incompetence on the part of the XXXX is considerable. AllianceOne Receivables Management XXXX Inc. is now in serious violation of the Federal and California debt collection practices acts in even attempting to pursue this since, even if valid - which it is n't - the collection of an alleged debt from XXXX would be barred by the statute of limitations under California Code of Civil Procedure sec 338. AllianceOnce Receivables Management , Inc. is aware of this fact and is acting tortiously and harassing me. See City of XXXX vs XXXX, XXXX. Court of Appeal 2nd District. There is a 3 year statute of limitations. I strongly urge the FTC and CFPB to investigate AllianceOne Receivables Management , Inc 's debt collection practices.
Multiple calls daily from lender even you are only a day late ( XXXX calls a day ) robo calls and hangups as well. They do not report to credit correctly as required and agreed in the contract. Predatory lending they target low income and minority. They hold payments past the due date and do not apply to the account so they can collect a late fee.
XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX {$88.00} XXXX XXXX XXXX XXXX - Comed XX/XX/XXXX {$860.00} XXXX XXXX XXXX Closed Credit Card Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Credit Card Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Closed Credit Card Opened XX/XX/XXXX XXXX Illinois University XXXX XXXX Opened XX/XX/XXXX ( Been Reporting for over 18 years ) XXXX/XXXX Other Opened XX/XX/XXXX XXXX/XXXX  Other Opened XX/XX/XXXX XXXX XXXX XXXX  Credit Card Opened XX/XX/XXXX XXXX/XXXX Other Opened XX/XX/XXXX Discharged Chapter XXXX Bankruptcy Reference # XXXX Individual Responsibility XXXX XXXX XXXX Credit Card Opened XX/XX/XXXX XX/XX/XXXX
My Company is an XXXX XXXX registered in XXXX with annual filed financials with the XXXX Authourities. I am the appointed representative for XXXX XXXX in a Number of XXXX XXXX. I also provide XXXX XXXX to a number of XXXX customers amougst whom is XXXX  XXXX XXXX. This Company recently sent me US $ XXXX against invoice for services rendered. It was transacted through XXXX XXXX XXXX thru a correspondant Bank Bank of New York Mellon Bank. This Bank seized the funds claiming my Company was involved in Money Laundering. On request all details were provided by XXXX  XXXX to XXXX XXXX. Their initial Ref is XXXX XXXX XXXX Ref on their provision of answers XXXX. The funds are still held by Bank of New York. The real issue here is complete disregard for small business and no means of contacting anyone at bank of New York. I have engaged legal Counsel and intend to sue. As of this stage after over 10 Days still no funds. I might mention that Bank MNellon did the same in a transfer by my Company in late XX/XX/2017 and seized funds destined for XXXX. So they have history that my Company is bonifide.
XX/XX/XXXX I received a letter from Wakefield and Associates stating I owed {$1200.00} from an ambulance ride to XXXX Hospital that occured earlier XX/XX/XXXX. I contacted the collection agency and disputed with them that this was not my debt. The name on the letter, the date of birth and address were NOT MINE. I have never been transported to a hospital by ambulance. I called the collection agency back twice, never received a call back and on my third attempt finally got a hold of a man and explained they contacted the wrong person. The man said he would like into it further. As of XX/XX/XXXX I now show it in collections on MY credit report.
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
I would like to make report that someone has opened Credit cards and utilities bills in my name without my permission. I was in the process of buying a home when my credit report came back there was accounts that I didn't recognize a XXXX XXXX #  XXXX, XXXX XXXX XXXX # XXXX, XXXX  XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX . 
I never had any documentations of contracts for services with these companies.
Someone obtained my debit card information/number and used my card for appox $ XXXX-XXXX purchases and gas. I didnt notice until my statement showed a purchase at XXXX in XXXX, CA while I was in XXXX, CA. How could I have possible been in cities XXXX miles apart on the same day? If Bank of America were to check my account for the past 5 years, theyd see I never visit these places that the theif used my debit at. Bank of America has now refused the claim twice. The total of the charges were {$380.00}, claim ID # XXXX. How does someone obtain your card number and use it and how is the bank not responsible to keep your monies safe?
Last year, I opened a Citigold checking account under promotion XXXX. This promotion grants XXXX bonus points for opening the account and spending {$1000.00} in debit purchases within 60 days and complete a bill pay in two consecutive months. I fulfilled these requirements. 
On XX/XX/XXXX, after not getting the promised points, I contacted Citi and they confirmed that I enrolled and fulfilled the requirements. They stated that I would receive the bonus miles within 90 days ( which would have been XX/XX/XXXX ). 
I still did not receive the points, so I contacted Citi again XX/XX/XXXX, and they said that they would launch an investigation, and that I would receive an e-mail confirmation of the investigation no later than XX/XX/XXXX. I never received that confirmation. 
So the issue is that I did not receive the XXXX bonus miles promised to me.
Khols has been calling my mobile phone using automated voice calls and using automatic dialing systems. They have been generating new numbers to call me with each time they call. I 've blocked countless numbers and they keep calling. They are calling me at all hours of the day ( including when I 'm in class ).
I have opened 3 accts. for my XXXX children to save money for college. I have never in all the years they have been open withdrawn money only deposited on a regular basis. 
Chase allowed fraud to take place on 2 of these accts. and I was not notified of the activity. There were checks being written and cashed in names that are not even tied to these accts. ACH debits being made and online transfers - again all in names other than what is on the acct. The suspect of fraud changed the status for me to no longer receive my paper statements in the mail. All of this activity again was never reported to me. There are multiple transactions on both of the accounts totaling a loss of approximately 56,000. Chase does not want to claim full responsibility for these when clearly they should have never allowed this to go on - fraud in many different names again none of which are on my account. The fraud is very clear to see. I have filed a police report with the XXXX police dept. as well as contacted XXXX. I would like the money returned to my children accounts. Chase failed to protect me from this fraud.
In XXXX 2017 I, ( XXXX XXXX ) reported to Experian that there was a collection Debt on my report that belonged to my XXXX sister, XXXX XXXX. XXXX XXXX XXXX was the collections company and the account was from XXXX XXXX in XXXX XXXX, Wa. where my sister lived. I have been living in XXXX, AZ for the past 11 yrs. My credit, as well as the DMV have mixed mine and my sister 's info up before so this was no surprise however it is very frustrating and really should n't be happening. So I disputed this collections debt with Experian and after their " so-called '' investigation Experian closed the claim stating the information was accurate and refused to take it off my report. Obviously upset, I then called the creditor, XXXX XXXX XXXX and immediately find out that the lease was indeed in my sister 's name, ( not mine ) along with XXXX XXXX. All their information i.e employment, date of birth, ss #, personal references was correct with their information except somehow my credit was pulled up during the application process. Clearly someone should have noticed immediately that the name on the credit report did not match that of the applicant/tenant. So XXXX is now removing my ss # from the account, has changed it to my sister 's, and will notify my creditors to have the collections removed. I found all this out in one phone call to XXXX. I do n't understand why Experian during their investigation could n't figure this out. Something is definitely wrong with our system and with today 's technology it 's just completely unacceptable!
I have contacted TransUnion & let them know that the account from XXXX XXXX and XXXX XXXX does not belong to me. I have submitted a previous complaint against this company for reporting incorrect information on my credit report and they continue to report this information.
Transunion will not remove freeze. I have requested and send proof of id over and over for years now. When is freeze going to be removed. Fail to provide free annual report.
Hello, I have contacted companies on my credit report that you ( XXXX XXXX experian ) has said to say the debt was validated. Well within one day of filling a complaint with XXXX XXXX its ironic they closed the account. Per FCRA you as credit reporting agencies should really investigate and make sure when they send you these automatic validations claiming that they are in deed a consumes debt that in deed they are valid, Like for instance a contract, drivers license and a signature. Its frustrating because me as the consumer has been through XXXX and back with experian just to say, they have said they validated everything when in fact have not. I have sent the same disput letter as I have to XXXX and XXXX when they investigated they removed and corrected debts not owed by me. Experian  you did nothing but send me a credit report and said from findings in previous months its the same meaning you didnt even try the second time to investigate!!!! I wrote a complaint on consumer finance.gov where you stated again that you investigated and these alleged debts were mines. Well here is proof you didnt. Please delete XXXX XXXX from my file as there are many more to come your way experian. Thanks XXXX and XXXX for doing your job and please delete XXXX XXXX from your files as well. 

XXXX XXXX XXXX
Checking for errors on my credit report I found an account and a few inquries I didn't authorize via XXXX, XXXX, and Equifax. 
XXXX  included inquiries I didn't recognize such as : XXXX   XXXX  XXXX XXXX XXXX/XXXX  XXXX XXXX on XXXX, and XXXX Equifax XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX/XXXX  XXXX
Upon checking my credit report I noticed this unauthorized fraudulent account from Discover Card. I never authorized to open a discover card, as I have never owned a card from this establishment nonwhatosver period
I have made several phone calls to XXXX XXXX XXXX XXXX XXXX as well as submitted a Better Business Bureau dispute on XX/XX/XXXX in regards to XXXX alleged debts ( XXXX and XXXX XXXX from Synchrony Bank ). Neither Synchrony Bank nor XXXX XXXX XXXX XXXX XXXX have yet to provide me with any validation of any alleged debt owed as well as the fact that I do not have any contract with this third party debt collector. On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX responded to my BBB complaint stating that they would be removing the tradelines from my credit report. As of this day, XXXX XXXX XXXX XXXX has not provided me any validation of proof and also not honored the outcome of my BBB complaint in which they responded. When I spoke to them in regards to the response, they stated that they did not write anything. I have disputed with all three credit bureaus and they are sending back correspondence that XXXX XXXX keeps reporting the alleged debt as verified. That can not be possible as they have not even sent me verification or validation as the assumed consumer on these accounts. I am at a standstill because the credit bureaus are not willing to update my reports to reflect accurate information as well as XXXX XXXX is not upholding the law in regards to providing legitimate proof of any alleged debt and ensuring that I am the correct owner of the alleged account. I have been rudely spoken to XXXX XXXX XXXX XXXX as well as XXXX, XXXX, and XXXX representative and told that valid proof does not have to be sent to me. Although, this is my right as a consumer to have valid proof of any alleged debt against me. I have documented proof from the BBB in regards to XXXX XXXX not being able to properly verify the account that I have sent to both XXXX XXXX and all three credit bureaus. Each company is placing the blame on the other and it is negatively impacting my credit. I want these accounts removed from all three credit bureaus ( XXXX, XXXX, and XXXX ) and pursuit of collections ceased.