WillisBack/dataset-financial-user-claim huggingface dataset:
I received XXXX fraudulent charges over a two day span that were applied to my checking accounting totaling an amount of {$2700.00}. I contacted Bank of America on the second day when I noticed the charges, and had them closed all the cards associated with the account to stop all activity. I submitted a claim which was processed and returned back to me a week later that advised my claims was rejected due to the charges processing correctly. The evidence regarding said charges clearly demonstrations that all {$2700.00} was fraudulently removed from my account. 

Date : XXXX XXXX, 2016 XXXX, AZ XXXX Checking Account Ending in XXXX Claim Number : XXXX Initiation date : XXXX/XXXX/2016 Bank of America Claims and Disputes XXXX, NC XXXX Dear Sir or Madam : I am writing to dispute fraudulent transaction ( s ) on my account in the amount of {$2700.00}. Unless this is an error on your part, I can confidently assume to be a victim of identity theft, because I did not initiate and approve the transaction ( s ). I am requesting that the transaction ( s ) be removed from my account and all finance and other charges related to the fraudulent transaction ( s ) be also credited. I would also like to request a revised account statement to ensure appropriate changes to my account have been accurately made. Enclosed are copies of my statement with fraudulent transaction ( s ) highlighted supporting my position. Please investigate this matter and remove the fraudulent transaction ( s ) as soon as possible. 

I have filed a police report with the XXXX Police Department located at XXXX, AZ XXXX. The phone number to the police department is XXXX. I filed my report with Officer XXXX and his badge number is XXXX. The police report number is XXXX. 

I have filed a complaint with the Office of the Comptroller of the Currency ( OCC ) on XXXX XXXX, 2016. My case number is XXXX. 

Also on XXXX XXXX, 2016, I filed a complaint with Federal Deposit Insurance Corporation ( FDIC ) to help facilitate the investigation into my claims with Bank of America. 

Sincerely, XXXX XXXX
I took out loans through Sallie Mae and they were to be deferred payment so I did not have to pay on them while I was in school. Responsibly, I started making small payments each month to get a little ahead and then payments started being required of me and they were more expensive. When I asked about it they told me it was just how the loan was set up. Even though it says the repayment date is XX/XX/2019, I am still having to pay on it. This is not how my loan was to start with and I should not be required to pay back money now.
There are various records indicating that I closed the XXXX XXXX and XXXX XXXX XXXX XXXX. I did not closed these accounts and the company can not find who called or made the phone called. In addition, I was a victim of identity theft and there are many inquiries in my account that were not made by me. XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and XXXX. These credit inquiries were not made by me and I need them to be taken on the credit reports from Equifax, XXXX, and XXXX. I need to erase all records that were done without my consent. I have been arguing these issues for over a year and to no avail.
I am connected to CFPB complaint number XXXX, filed by XXXX XXXX XXXX, an issue concerning an incomplete lease contract for which I was the guarantor. The apartment community, XXXX XXXX   XXXX XXXX XXXX, FL, contacted the guarantee and told her that she had not completed a full lease and needed to sign a final copy of the lease in order for it to be complete and to be able to move in ( there is a voicemail and screenshot of the day the call was received attached ). Having been told by property management themselves that she never finished a required portion of the lease to be liable, she never moved in, nor did she receive keys to the property. 

However, XXXX XXXX XXXX falsely reported to the creditor, XXXX XXXX XXXX, that we had signed a full lease and were liable for the entirety of the rent, a claim the guarantee, XXXX XXXX was able to dispute with Transunion and get completely removed from her credit history. As the would-be guarantor and after filing a dispute over the same issue, Transunion would not remove this very same issue from my credit report. The claims were unfounded, and again, it is the exact same claim that was disputed and ultimately removed from the guarantees credit history. I am asking that Transunion remove this false charge from my credit history, since the other claimant involved in this dispute was successfully able to do so after being found not liable for the amount the property falsely reported to the creditor. The claim the property made was deemed unfounded by Transunion and the guarantee was found to owe nothing to the property, as should be the case for myself as the guarantor as well. The Transunion dispute number for XXXX XXXX is XXXX, and the notification sent from Transunion that the charge had been removed is also attached.
i have faxed proof for payment. on accounts. XXXX account goes back as far as 2011 paid. still showing not paid late. i have documents to mail of fax to you .please help this is not fair.
I 've filed multiple CFPB complaints against Equifax for reinserting over and over the same erroneous " XXXX '' inquiry ( see provided attachment ) back on my credit report. Not only did Equifax reinsert this fraudulent information, they reinserted the inquiry three ( 3 ) times as shown in the one attachment. When Equifax removes information per a complaint it takes only a few months for the same erroneous information to show back up despite multiple CFPB complaints and removals.
I checked my credit report and found EOS CCA had been submitting a collection report saying I owe {$90.00} to XXXX XXXX bill. 

I called them to ask what it was for, and they told me for XXXX XXXX bill from 2008 or so. I let them know I have not had XXXX, and I asked why they had n't ever contacted me. They said they tried to previously, but I 've never received a message from them or any letter saying they were attempting to reach me. 

I requested verification of the debt from EOS CCA 3 months ago, and they still have not provided this. I called XXXX XXXX and they were not aware of this bill.
I am trying to file a in school forebearance request to American Education Services. I have faxed my requests to XXXX different numbers, have spoken to numerous representatives and have received multiple errors from the faxes indicating that their fax machine line is either busy or there is a communication error. I have emailed my documentation XXXX in two weeks. I have spoken to many representatives over the past few months who have given me so much wrong information such as wrong payment amounts, which have put me in a delinquent status. 

I have had several representatives tell me and encourage me to apply for multiple repayment programs that I keep getting turned down from. No one seems to know the process of what is going on here at this company. In the mean time I keep getting bills from Citizens bank billing me for XXXX in delinquent fees that I can not pay. 
I need someone to check their fax machine phone numbers and emails and respond to my requests. OR have them all on the same page. The fax they said they did get they say shows only half a page. 

I did send a fax through my schools enrollment services department that says went all the way through. This is beyond frustrating and I need some resolution.
I called the Navy Exchange customer service today to remove an authorized user from my account. I was told by a customer service representative and their supervisor to call back in 48 hours to remove the authorized user from my account, giving the person I am revoking authorization an additional 48 hours to make purchases that as of today I no longer authorize. They sited " system limitations '' as the reason I can not remove an authorized user from the account.
I have been trying to obtain my credit reports online but I am receiving very confusing and wrong instructions as to the reasons why the credit reporting agencies can not comply. At one point during the online identification process I was asked several questions with multiple choices answers related to past addresses and entities I had done business with. While answering those questions I noticed that none of the answers regarding entities I had done business with relate to me. I had to choose a response saying " none of the above ''. Most of the multiple choices answers were about accounts opened over the past 10 years. I did not open any accounts whatsoever in the past XXXX years. I believed there was some kind of mistake so I tried again with a new browser session, but on my second attempt did not even have the option to answer the multiple choice questions. The XXXX website immediately instructed me to mail the form to request my credit reports. I need those Credit Reporting agencies to treat me with the same level of professionalism, not making it any more difficult for me to obtain my credit reports online, in the same manner they would to most people in my situation
I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to 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 disputed.. 
Please resolve this manner as soon as possible. Thank You
I opened a Select Checking account at Suntrust, XXXX NC on XXXX XXXX, 2017. There is promotion associated with this account. The detail of the promotion is in the attached file. After meeting all the requirements. I did not receive any promised bonus. I have contacted the bank several times. First they said I did not provide US address and SSN, which I did provide when opened the account. Then they said they would investigate the case. After that they did not provide further information or solution.
My complaint is against Fay Servicing, who was assigned my XXXX XXXX in XX/XX/XXXX  as I was going through a Divorce and fell behind on my mortgage due to loss of that second income. I immediately contacted them with the hopes of a modification or help of some type to get back on track. My account manager, XXXX XXXX, assured me they would work with me and sent me the modification packet for which I completed and sent back along with all documentation required in XX/XX/XXXX and was told that I would need the Co-borrowers information as well or the modification couldnt be completed. I informed them that I have no contact with my ex-husband and that I was unable to get his paystubs or XXXX but I did in turn send them a copy of the divorce decree stating that the home was awarded to me and that I had 1 year to refinance the property into my name and a copy of the deed I had filed vesting the title into my name only but I was told that wasnt what was needed. I then applied for the New Jersey Home Saver program for which I was awarded {$47000.00} in order to save the home and as a participant of this program Fay shouldve paid all and any back taxes, liens and overdue payments and then applied the remaining funds to the principal but when I went to pay my water bill in XXXX I was told they couldnt accept my payment as there was a lien on the property from XX/XX/XXXX and that would have to be paid first, I called Fay and told them about this and XXXX XXXX said to fax over the copy of the tax bill for which I did on XX/XX/XXXX and again of XX/XX/XXXX as he stated he didnt receive it the first time and he said he would forward the documents over to his tax dept.. I followed up on XX/XX/XXXX and he said he didnt have any updated information yet but there was a phone conference scheduled with the XXXX XXXX   Tax office on XX/XX/XXXX and that he would call me the following Thursday to let me know the outcome and of course he never called me so I called him and he stated they were going to pay them but were waiting for authorization from the lien holder for which made no sense to me so I asked to speak to their tax dept. and was told I couldnt speak to them and that he would get in touch with them and find out what was going on with the payment of the lien. I then called and spoke to the XXXX  tax office who stated that they never had a phone conference with Fay nor have they called for a payoff for the lien. My other issue with them is that my payments ( checks ) have not been cashed therefore leaving my mortgage account in the arrears as they only cashed my first payment sent to them in XXXX. There are still 2 outstanding checks out there for XXXX and XXXX that have not been cashed. My payments have also gone up from {$830.00} for XXXX and XXXX to {$1200.00} for XXXX and XXXX and set to go up again in XXXX and the reason they give me for this is Escrow shortage. Ive done my research on this company and this seems to be common practice for them and I think its unfair. Please see all documents attached and if there is anything else needed of me please feel free to contact me XXXX or email at XXXX. Thank you in advance for your assistance.
I reported XXXX accounts that are showing up on my credit report with Experian. Both accounts were investigate by Experian with a final notice posted on my credit report for XXXX public records as : This item remained unchanged from our processing of your dispute in XXXX 2017. 

I would like to know the method of validation Experian is using for these XXXX public records, including the name of the company and person they are confirming this information with. They are not taking the necessary lengths to verify inaccurate information on my credit report and it is causing me financial harm.
I requested Capitol One to credit my account for XXXX dollars. I disputed acharge for a transaction submitted from XXXX XXXX XXXX on XXXX/XXXX/15. I didnot authorize this transaction. I demanded a copy of a receipt from DirectTax signed by me. Capitol One refused to provide it. I am seeking a fullcredit of XXXX. My card number is XXXX visa XXXX XXXX XXXX
On XX/XX/18, I was getting preapproved for a home loan. The loan officer called me back and told me I was denied for low credit score and that there was a debt collector that had sent me to collections in the amount of over {$6000.00}! I told her I had no knowledge of it and I will try and straighten it out. I filed a dispute with the credit bureau and told them that I didn't have any knowledge of the account. They're investigation turned out in favor of the company Lockhart Morris and Montgomery, with them telling the credit bureau the account belonged to me. I then wrote the company on XX/XX/18 disputing the account and asked them to verify it and send me any paperwork that I had signed with them, Lockhart Morris and montgomery and they sent paperwork to me from XXXX XXXX. They still didn't tell me who they were. So I rewrote them again disputing the account and asked them to send me paperwork from them showing I signed anything with them. This time I decided to call and spoke with XXXX XXXX on XX/XX/18, and I asked him when did they send me a letter or had their first communication with me since I am the cosigner on this loan. It took him several minutes and when he returned back to the phone he told me that from what he could tell, they never sent me a letter not have they communicated this debt to me. So I sent them another letter dated XX/XX/18 where I told me they had violated the FDCPA guidelines and they sent me another letter that I received on XX/XX/18 and they responded back saying they were not going to investigate it and that the letter was similar in nature to the other letter. This is a false claim because the other letter was dealing with me disputing the letter and calling it fraud because I had no knowledge of it and the latter dealt with the FDCPA violation ; two separate letter two different reasons.
Fleeing XXXX husband, I left my home and started over. My husband remained in the home with all possessions. XXXX would not aid in the return of my possessions or childrens possessions. This was in XXXX. In XXXX, my husband had me sign a paper saying I no longer provided income in the household so that he could modify the mortgage agreement. To my knowledge all was paid and fine. In XXXX XXXX I find out my husband has moved from the home and there is a for sale sign in the yard. I called the realtor and asked had the bank taken the home and what was going on. The realtor could not tell me any information. Although the for sale sign was in the yard, she did not know anything. She stated the locks have n't been changed and she assumed someone was still living in the home. I called Chase Bank ( mortgage company ) and spoke with them. No information on foreclosure but the taxes had been paid. I went to the court house later in XXXX and looked at the file on record. Therr was minimal information and I did not understand the material due to a XXXX XXXX XXXX. I recently went back to look at the file again. There are now a stack of documents in the file dated for XXXX that were not in the file. I found it odd that notaries from surrounding states were used and the notaries were employed by the law firm agency who was the substitute trustee on the house. I do not understand these papers. My home was sold for XXXX and the loan was for XXXX, yet the tax value is XXXX. I 've believed this to be a scam from the beginning. Also, I was not properly notified of the forclosure. The file now contains a form saying my copy was left with my husband, who did not inform me of the foreclosure. These forms were not in the file previously.
I HAVE A MORTGA GE WITH JPMORGAN CHASE &  CO AND I REQUESTED MORTGAGE ASSISTANCE WHICH WAS DENIED ON  XXXX   XXXX ,  XXXX . THE AGENT THAT INFORMED ME OF THIS DECISION TOLD ME TO MAKE SOME PAYMENT BEFORE  XXXX   XXXX ,  XXXX . ON  XXXX   XXXX ,  XXXX , I WAS 4 MONTHS PAST DUE ON THE MORTGAGE AND THE AGENT ADVISED ME TO MAKE THE  XXXX   XXXX ,  XXXX  TO KEEP THE PAST DUE TO LESS THAN 5 MONTHS.     I MADE A {$2000.00} PART PAYMENT ON THE MORTGAGE INSTALLMENT DUE OF APPROXIMATELY {$3700.00} FOR PRINCIPLE, INTEREST, AND ESCROW. I MADE A FURTHER PAYMENT OF A PAST DUE MONTH ON  XXXX   XXXX ,  XXXX .     CHASE RETURNED BOTH PAYMENTS TO ME AND WOULD NOT ACCEPT ANY PAYMENTS LESS THAN 3 MONTHS PAST DUE OR {$11000.00}. I HAD PAID THEM APPROXIMATELY {$5700.00} TO CATCH UP ON PAST DUE AMOUNTS AND REFUDED ANYTHING LESS THAN {$11000.00}. I NEVER HAVE EXPERIENCED ANY CREDITOR REFUSING PAYMENT UNLESS IT WAS A MINIMUM AMOUNT. THIS PRACTICE IS AN EXCUSE TO ALLOW THEM TO PROCEED TO FORECLOSURE AND MAKE A WINDFALL PROFIT ON THIS MORTGAGE WHICH WAS PURCHASED BY  CHASE FROM THE  FICA AS A RESULT OF TH E WASHINGTON MUTUAL ( WAMU ) FAILURE IN   XXXX   FOR LESS THAN CENTS ON THE DOLLAR.      IN  XXXX  CHASE REFUSED TO MODIFY MY MORTGAGE UNDER HAMP FOR THE SAME REASON AND THEY FALSIFIED THE ENDORSEMENT FRO M WAMU  AND ROBO SIGNED THE TRANSFER FOR WHICH THEY WERE PENALIZED BY VARIOUS GOVERNMENT AGENCIES.  CHASE FI NALLY MODIFIED MY MORTGAGE IN  XXXX  AFTER THEY SETTLED A LAW SUIT I FILED AGAINST THEM AND PAID ME DAMAGES OF {$15000.00}.      CHASE  PRETENDS TO PROVIDE MORTGAGE ASSISTANCE AND ASSIGNED ME A PERSONAL REPRESENTATIVE WHICH I CAN NEVER CONTACT BECAUSE SHE IS NOT AVAILABLE. WHEN I CONTACT MY PERSONAL REPRESENTATIVE, SHE IS NEVER THERE AND ANOTHER PERSON HAS TO ANSWER MY CALL. ALMOST EVERY SUPPOSED CUSTOMER CARE REPRESENTATIVE HAS A FOREIGN ACCENT AND HAS NO AUTHORITY TO MAKE ANY DECISIONS. THIS IS A RUSE BY  CHASE  THAT THEY PRACTICED IN  XXXX  WHEN THEY FILED A FORECLOSURE AGAINST ME AFTER THE AGENT TOLD US NOT TO MAKE ANY PAYMENTS ON THE MORTGAGE UNTILL THE MODIFICATION WAS COMPLETED.     AT THAT TIME I WAS NOT EVEN PAST DUE ON ANY AMOUNTS. I AM  XXXX  YEARS AND NEED ASSISTANCE FROM  CHASE PRE DATORY COLLECTION PRACTICES.
XXXX XXXX, Equifax and XXXX still has yet, according to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ) " through the physical validation of the original signed consumer contract '' to provide me lawful proof of verification for several accounts that have been reported on my credit report. This was not only specifically requested by me in my original notice of dispute but also required by " FEDERAL LAW '' as the " ONLY '' lawful way to validate in order to protect my rights as a consumer. Since it has been well passed 30 days allotted them as of XX/XX/2018 I am insisting that he CFPB forces XXXX XXXX, Equifax, and XXXX to legally validate said debts or delete them IMMEDIATELY! Certified letters were mailed out on XX/XX/2018 and delivery of said letters were confirmed XX/XX/2018. 

Accounts : -XXXX XXXX -XXXX XXXX -XXXX XXXX -XXXX XXXX -XXXX XXXX XXXX -XXXX/XXXX -XXXX -XXXX -XXXX ( Been over 7 years ) -XXXX -XXXX -XXXX ( Collection Account-XXXX XXXX only updated account as closed and never supplied lawful validation which was requested ) -XXXX XXXX ( Collection Account-XXXX XXXX only updated account as closed and never supplied lawful validation which was requested ) -XXXX XXXX ( Collection Account-XXXX XXXX only updated account as closed and never supplied lawful validation which was requested ) -XXXX XXXX XXXX ( Collection Account-XXXX XXXX only updated account as closed and never supplied XXXX XXXX which was requested )
I am attempting to avoid a foreclosure sale. I have submitted a completed mortgage assistance package to my servicer - Wells Fargo Home Mortgage. I also have equity. Wells Fargo has not postponed the foreclosure sale because they prefer to take the equity from me and profit from my distress. I fell behind on my mortgage because of long and painful XXXX treatment.