WillisBack/dataset-financial-user-claim huggingface dataset:
Even though the balance on my checking account reached zero, bank continued to pay out funds instead of making a notification of " insufficient funds '' and then charged my account fees of {$37.00}. The total is now close to {$1200.00} and since I have direct deposit of my Social Security check, they took all my money for the month of XXXX and now I can not buy food or pay rent or pay my utility bill. The Social Security check is in the amount of {$XXXX} so now they say I still owe them {$480.00}. I did stop direct deposit. But I still have no money for new eyeglasses or food or even laundry. As of right now, XXXX XXXX, 2015, I should have a positive balance of about {$720.00} in the checking account to pay my above listed expenses. I do n't know what I will do when my food runs out or if ConEd turns off my electricity. When I opened the account, I specifically told the bank officer that I did NOT want credit of ANY kind, especially any kind of draft balance protection. I said that if the balance reached zero to refuse the transaction. I NEVER write checks so refusing the transaction on a debit card is XXXX way for me to know when I run out of funds. The problem Bank is Peoples United Bank [ XXXX ] and the problem started shortly after XXXX XXXX, 2015
I have sent numerous supporting documentation to Equifax in regards to fraudulent and unauthorized accounts on my credit report that do not belong to me. Equifax continue to disregard and refuse to look at the supporting documentation for proof that the following accounts do not belong to me : XXXX, XXXX, XXXX XXXX XXXX and MN Child Support Enforcement. I continue to get the same response over and over from Equifax which is, we have verified the item belongs to you, despite supporting documentation that is proof the fraudulent accounts do not belong to me.
I was in a relationship with a man who obtained my Bank of American credit card information. He attempted to purchase bit coin with my credit card. He then made two transfers to my credit card account. The first transfer paid off my credit card entirely. The second transfer to my credit card account was for approximately {$21000.00}. The man I was in the relationship asked me to transfer this amount of money from my credit card account to my checking account and wire the money to his relatives. Since the money was not mine I did as he asked. 

Bank of America contacted me and advised that they felt that what was going on was a potential scam. Bank of America put a hold on the credit card and advised that nothing would happen with the credit card, that no one would be able to move money from the credit card account at all. 

Two weeks later, the man who transferred a total of {$42000.00} to my credit card account was able to withdraw {$42000.00} from the credit card account. The man had an account with XXXX XXXX. Bank of America allowed this to happen all though they told me that there was a hold on the credit card account. 

Bank of America advised that I am now responsible for the entire amount of the scam. I have none of this money. I did as this man asked and sent the money to his family. I have provided Bank of America with all receipts from the wire transfers. I have provided Bank of American with the name and telephone number of the man I was talking to. I provided Bank of America with a police report for fraud. 

I have asked Bank of America to file a claim for fraud but they refuse and hold me responsible.
In  XXXX  2017 I was contacted by phone at my employer in an attempt to collect a student loan debt. I have no student loans and informed the debt collector of that. I verified my middle name does not match that of the debtor they are trying to collect on.
On   XXXX / XXXX /1 7 I was informed by my employer that the debt collector had filed a wage garnishment. The paperwork received states it is for an individual with my same first and last name, but with a different SSN, middle initial, and address than me. It appears the only thing the debtor and I have in common are a first and last name.
The debt collector was informed that I am not the debtor on the   XXXX   2017 phone call and proceeded with an improper wage garnishment.
The debt collector is   XXXX   XXXX   XXXX  .   XXXX   XXXX   XXXX  ,  XXXX  , CA  XXXX . The account # is  XXXX .
On XX/XX/XXXX my father in law passed away, leaving his home to his daughter, my wife, XXXX XXXX XXXX. we have been working with our attorney, estate attorney, about giving the house back to the lender, Select Portfolio Services, which was serviced by XXXX XXXX XXXX, XXXX, with no results. 

as of XX/XX/XXXX there has been no filing of public record, as far as foreclosure, since the mortgage hasnt been paid since the death of XXXX XXXX, father in law. 

We ( XXXX and myself ) went to the property, yesterday, XX/XX/XXXX to finish clearing out the property and cut the yard and noticed the locks had been changed and a lock box placed on the front door with a notice from XXXX XXXX, stating the lender had requested them to secure the property. 
after obtaining entry to the property, we also noticed personal belongings had been removed from the property and the property had been " trashed '' inside, as if who changed the locks had been looking for valuables. 
we contacted the XXXX XXXX police, in which they filed a criminal complaint for Breaking and entering. when XXXX XXXX was notified, all they would say is the lender ( Select Portfolio Services ) had given them authorization to enter the property and secure the property. 

this is a violation of our rights, seeing the lender has not filed any type of foreclosure paperwork. 

we are requesting the CFPB get involved so this will not occur again.
XXXX XXXX checked my credit said their were delinquinces on my credit report from XXXX experian and XXXX on XXXX/XXXX/2016 serious deliquencey and a number of accounts with delinquencey i have no delinquinces on my credit report at this time through XXXX this information is not true. also no time since deliqunicies on my report
Ran annual credit report and inquiry showed an unauthorized credit report run XXXX XXXX, 2014 by Microbilt. Which was requested by XXXX XXXX XXXX XXXX. 

Microbilt - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX, XXXX - XXXX Date XXXX XXXX, XXXX XXXX , CA , XXXX - XXXXXXXXHave filed dispute with XXXX and in the process of sending a certified letter with return receipt requested.
I received a notice from CBHV ( Collection Bureau of the Hudson Valley ) on XX/XX/18 that I owed {$120.00} to a medical provider. That notice said " If you notify this office in writing within 30 days from receiving this notice that you dispute the validity of this debt, or any portion thereof, this office will obtain verification of the debt or obtain a copy of the judgment and mail you a copy ''. 

I sent a letter disputing the validity of the debt on XX/XX/18 requesting proof of the debt owed. Not only did I not receive any documentation to verify the validity of this debt, but I received 2 phone calls from this company asking me to pay the amount and another notice in the mail, disregarding the letter I sent them. I received a call on XX/XX/18 and on XX/XX/18 and another letter dated XX/XX/18. 

A debt collector " must stop collection activity until theyve sent the proof ''. They clearly disregarded this and are in violation of the Fair Debt Collection Practices Act.
i sent a letter to XXXX XXXX XXXX ER physicianequesting that they validate Not verify a debt that that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. They provided me with billing statements which does not prove that i am obligated to pay them anything. They have reported delinquent information to the credit bureaus that im asking to be deleted
I, XXXX XXXX, am extremely disappointment with DITECH representatives and all the miscommunication I have been receiving. On XXXX XXXX, 2016 my legal representative from XXXX XXXX XXXX had a phone call from XXXX extension XXXX who is my single point of contact. She requested the Non- Borrower credit authorization form, but never specified that DITECH required a legal form, she told XXXX XXXX XXXX XXXX XXXX that it could be a hand writing authorization. Yesterday XXXX XXXX XXXX called to do a follow up regarding my case and was told that my file was submitted to the under- writer, but that the Non- Borrower income presented was not going to be used due to that fact the Non - Borrower credit authorization form was n't acceptable. I 've been trying to get a Lon Modification for that last year and has been denied for income purposed. I need my daughter 's income to be used in the review. I ask you to please take into consideration my daughter 's income, who is my contributor.
As of XXXX/XXXX/2016 all of my students loans were paid off at Sallie Mae. Currently, I have an overpayment balance of {$1300.00} that Sallie Mae owes me. They do NOT provide an email service to answer questions ... Every time I call I can either not get a person ( only automated ) or I ca n't get through ( put on hold for around 30 minutes twice already ). My interest rate was also sickening on all loans. This company should be shut down for the way they treat people trying to make a better life for themselves.
While attempting to re-enroll at XXXX XXXX Colleges I was told I could not register for classes unless I paid an alleged debt to the collection agency TSI. The original debt was only {$420.00}. But TSI said I had to pay {$970.00}. TSI told me that was the {$420.00} plus an {$82.00} fee and interest. But, TSI could not explain why they were entitled to the {$82.00} fee or interest. I did not owe the debt and no law or agreement I am aware of allows TSI to add fees or interest anyway. I had to unfairly borrow money to pay the full {$970.00} so I could enroll an attend school in time under protest.
Capital one account fraudulently opened in my name, was placed with collections. Refuses to close and delete collection account.
The mortgage lender for our home loan is Bank of America. We moved into our home in XXXX and in XXXX I lost my job and we began trying to work unsucessfully with BOA and are still being challenged with trusting, getting support, and responsiveness with BOA. They are giving us the run around, denied assistance, provided minimal assistance that was n't helpful and then simply are unresponsive in our modification process now. This has been going on since XXXX. 
1. We were denied assistance in XXXX because my spouse holds the loan but I lost my job. BOA told us they couldnt help us repeadedly. Our household income was reduced by XXXX. In XXXX I was underemployed working part time for approx XXXX a year and we requested assistance. We were approved for a trial modification reducing mortgage for {$180.00} a month. We could n't accept because we could n't even afford the reduced amount. We paid XXXX mortgage payments instead, rejected the modification, and tried to borrow $ from family and when work bonuses were received we tried to catch up. 
3. We continued to struggle, I was re-employed full time making 30 % less than the career I had before, were still struggling, went into forclosure in XXXX, took XXXX dispursements to get out, and we are still struggling. 
4. XXXX we have enormous debt, we cant catch up, we have sold all stocks to reduce the debt, we have high expenses, over XXXX in medical bill debt. We began the modification process in XXXX XXXX and as of XXXX/XXXX/XXXX we are still in it and ca n't get this process moving. We have been given the runaround, the process does n't tell you what additional information you need to send, they send the same letter over and over again without specific info on what they need just the boiler plate list of required documents, they do n't communicate with you, respond to emails or call back, meetings scheduled have been no shows on part of BOA, and the phone numbers they provide on their website do n't work. We have lost trust that we will get help and although we are paying or mortgage. we have bills that ca n't be paid ont he other side like car payments, daycare, etc. We have complied with everything they have asked and then some. This process needs an overhaul. HAMPT is meant to help homeowners not give then the run around. I 'm sure there are others in this same class that could come forward to validate these complaints. Its terrible.
I was scammed out of XXXX dollars using the chase  quick pay feature. I was buying tickets that I never received from the seller. I contacted chase immediately as this happened and they were unhelpful and did absolutely nothing to help me. This happened on XX/XX/2018. Chase does not provide any safety to their customers and I feel like they could have easily helped me after this scam but they refused to.
I applied for a mortgage refinance through Santander Bank Back in XXXX of 2016. I have just recently been denied. Reason excessive obligations in relations to income. However in speaking to the agent they XXXX would n't use income from my car allowance or commissions I get. The agent did n't understand wy, huis boss did n't understand why. I just do n't want anyone else to have to go through what I went through. it was a waste of time and money. They did n't even look at my tax return. It sounds to me like thye just wanted to see paystubs, how much someone owes if it meets the 50 % they will do the loan. They do n't want to do extra work. not sure why they are able to do that. it cost me a lot of time and money and effort. They sould not be allowed to gt away with that!!
I have concerns that my credit information is inaccurate and/or erroneous.I have official disputes on my credit file but my credit score remains in a adverse zone. I 'm seldom tardy with payments and am in good standing with all creditors.This whole system credit reporting system is nebulous at best and truly adversarial, invidious and punitive.Also, the imbroglio germane to the Equifax breach stings as well. Perhaps formal litigation is necessary to ameliorate and/or rectify the inequities in the credit reporting procedures and terminate their comfort level. The status quo is an abject failure.
Dear Sir or Madam, This letter is in reference to GRANT & WEBER Account # XXXX for services provided to XXXX XXXX on XX/XX/XXXX. 
In regard to the bill on this account in the amount of {$7400.00} Please be advised this is not a refusal to pay, but a notice your claims are being disputed. 
Under the Fair Debt Collections Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient and proof that there is some contractual obligation which is binding on me to pay this debt. 
Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and or authorization under subtitle D of the ARRA, SEC 13401. APPLICATION OF SECURITY PROVISIONS AND PENALITIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 )  BREACH OF SECURITY. 

The term " breach of security means, with respect to unsecured PHR identifiable health information without the authorization of the individual. 

Please note that enforcement of penalties against you is covered under the penalty rules of the omnibus final rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information. Technology for Economic and Clinical Health Act of 2009 ( HITECH ACT ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. 

Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account and a copy of any HIPPA authorization. 

Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collections activities, including reporting of or verifying of this account on my credit reports. 

In the event of non -compliance, I reserve the right to file charges with the OCR on your HIPPA violations and appropriate County, State and Federal Authorities. I require compliance, I reserve the right to file charges and/or complaints with the OCR on your HIPPA violations and appropriate associations for violations and appropriate County, State & Federal authorities for violations of the FDCPA, FCRA and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as in violation of California medical privacy rules. 

I also hereby reserve my right to take private civil action against you to recover damages. 

Sincerely, XXXX XXXX
Nationstar Mortgage Company/Mr. Cooper calls my phone without leaving a message bugging me about refinancing my loan. They also call about my payments when I am not even close to being at the date where I'm charged late fees. They've gotten in trouble for this previously and I've asked them not to call me.
I settled a charge off account for partial payments. As I have been paying near 2 years, I called and asked to settle the left over balance of {$540.00} to less own balance. Toyota collections settled for {$260.00} to {$0.00} balance on XX/XX/XXXX. I then check my credit report and they reported wrong information. I contacted equifax for dispute and after 30 days, the dispute still pending and information is not correct. Therefore the negative information should be deleted by XXXX as Toyota failed to report correct information due to their error.
The reported JPM Chase accounts on my credit reports are a duplicate of another account shown on my reports for another company, XXXX XXXX. Reporting an account or accounts denotes collection efforts. JPM Chase has asked me to even call their Recovery Group. As the purported original creditor who has sold a charge-off or collection account to another lender or agency, JPM Chase technically does not have the right or vested interest to continue to report the negative accounts to the credit bureaus. Both companies are trying to collect from me, and it isn't right.
Bank of America informed me that my mortgage is not being serviced by Bank of America. This is after Bank of America told me I will have one point of contact. Bank of America told me that my mortgage will be handled by XXXX, XXXX. I 'm in the process of modifying my mortgage and do n't what do to do or who to call. Please help.
XXXX credit reporting agency have inquiries on my report i did n't authorized. 
here are the unauthorized inquiries XXXX -XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX7 & XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
This is on my credit reports. I do not believe it is right. I have never received mail from them. I do not want them calling me.
XX/XX/2018 - Total Card, Inc sends me random letter about a debt that isn't valid and is like 4-5 years old. This was the first and only contact and isn't valid.
I contacted XXXX XXXX XXXX disputing an account they are reporting on my credit, they sent me information on the account yet neglected to report it disputed on my report in the required 30 days. I have notified them of this failure to comply with the law and they refuse to remove the miss-reported account of my report. They are also reporting late payments on an account that never had payments based on their own records, it is a charge of therefore can not have late payments. They have refused any more contact in this matter and have said it is harassment if I attempt to resolve this with them. 
The law is clear and they have failed to comply with it and the miss-reported account must be removed from my credit report as well as they should be fined for snubbing their nose at the law. 

I Also attempted to have Equifax remove this but they referred to XXXX XXXX XXXX response and refused.
I just filed complaint # XXXX XXXX XXXX XXXX at XXXX in haste and my attachment was missing XXXX key documents. 
1. Nationstar FTC XXXX XXXX XXXX " XXXX Points of Complaint on a Word Doc '' 2. Nationstar School Tax Contract & Escrow XXXX XXXX XXXX XXXX. Nationstar FTC-CFPB XXXX XXXX XXXX email confirming receipt of the above confirmation. Nationstar FTC XXXX XXXX XXXX was my research information. Word doc.
I previous filed a complaint against this company for trying to collect a debt I do not owe. This company has ruined my credit and continue to try and collect a debt that I do not owe. I received a letter from the collection agency stating they reported I owe a debt for {$580.00} to the credit bureaus. I continue to dispute this debt over and over. With this company false allegations and continuous aggressiveness to pursue a debt they know I do not owe has caused a tremendous amount of stressed to my family and should be held accountable for their actions.
I contacted   XXXX   XXXX   about having debts that I 've already paid deleted from my credit, however the representative told me that they can not delete from my report eventhough I 've already paid. They also told me that only the credit bureaus can delete this from my credit, however I pad convergent for the debt I owed them. This is causing a severe negative impact on my credit which is preventing me from obtaining a loan. Convergent uses  XXXX  ( an email verification system ) and can delete directly, however they refuse to do so.
I continue to receive calls and voice mails from this collection agency and I have told them repeatedly I do not know the person they are looking for. This is a new home phone number that I recently received.
XXXX XXXX XXXX reported to XXXX that I was suspected of fraud and closure status unpaid. I never had an account in fact, I tried to open an account and was denied. The bank refunded my XXXX $ deposit and cashed it at XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, CO XXXX. This is by far the worst thing anyone could have on there account. Since emailing the CEO of XXXX XXXX XXXX XXXX XXXXf customer relations has tried to tell me to stop the dispute and they would remove what is on my credit report. I pay high interest on my car payment and insurance currently. please help me resolve this is by far the worst thing anyone could go through.
hello I received a debt collection notice from Midland Credit Management stating I owe a debt. I do not believe I owe this debt and they can not give me any proof of this debt. I have also tried calling XXXX, XXXX and they all direct me back to Midland Credit Management. If I in fact have a debt I will gladly pay it but I do n't and until I have proof of this I will not pay it.