WillisBack/dataset-financial-user-claim huggingface dataset:
Dear Sir, i have been with chase bank for 10 years. lately i tried to wire some money to my father in XXXX. 
the transaction was made on the XXXX and it is wire transfer outgoing and it was made in person at Chase BankXXXX XXXX XXXX, TX XXXX. 
and the bank teller was able to determine my father 's account number, and she told me the money will be available on XXXX. 
on XXXX/XXXX/2015 i was contacted by phone someone called XXXX : XXXX he wants more information about me and my father and he said he ca n't send the money if i do not do so! 
when i long in my bank account online i see the money was transferred until the XX/XX/2015 i saw that the money was credited back without the {$45.00}. 
so i called for that reason and i got it back. 
i asked the teller what kind of information you need to make it happen so she said both bank accounts that 's all. 
i do n't know why i was mistreated like this? i asked all my friend none have any complains! 
please make sure to keep this big cooperate banks in line. 
thanks for reading. 
Kind Regards.
This account was deleted by XXXX  as and unverified account on XX/XX/2018 after contacting your company. 
I disputed this account with XXXX and XXXX three times as this account still remains! Both companys are saying that your company keeps saying its verified. How is this possible? XXXX mailed me a copy of my report showing this account was deleted as unverified do to your companys investigation. How is it being verified with the other two Bureaus is absolutely absurd to me!
XXXX has XXXX XXXX XXXX on my Credit Report as owing {$8000.00} and I owe XXXX XXXX XXXX nothing. I returned the Car I financed with them and the Fair Market Value of the XXXX XXXX XXXX was XXXX and XXXX XXXX XXXX sold the car at an auction for {$2500.00} and they want me to pay the balance. 

XXXX XXXX XXXX XXXX has the car in their possession and Therefore I owe them Nothing effective XXXX. 

I want XXXX to Delete XXXX XXXX XXXX from my Credit Report effective immediately. 

XXXX XXXX XXXX
I have been called repeated by a debt collection agency for a debt that is not mine. I received the first call on XXXX XXXX, 2017. They have called me a total of nine times to date. 

Today ( XXXX XXXX, 2017 ) I called them back. I asked the person who answered the call what his name was and the name of the company he worked for. He told me he was XXXX XXXX and his company was Allied Interstate LLC. When I told him that I had received several calls from this number, he said that he looked my number up on his computer but denied that any calls had been made. 

Later that same day, I got another phone call from Allied Interstate LLC trying to collect a debt. This time, they left a message on my voicemail and I have the recording to prove it. Here 's the best part of all : the person calling identified himself as XXXX XXXX, the same man who I had talked to earlier that day and denied any calls had been made to me! I even recognized his voice! Again, this call was made by Allied Interstate to me on XXXX XXXX, 2017, at XXXX XXXX. The message they left is as follows : " Hello, this important message is for XXXX XXXX. My name is XXXX XXXX and I 'm calling from Allied Interstate LLC, a collection agency that is attempting to collect a debt, and any information we obtain will be used for that purpose. Please return my call today at XXXX. Once again, my number is XXXX. Thank you. '' There is no XXXX XXXX ( spelling? ) at this number, nor do I know this person. Allied Interstate LLC claims that they are not calling me, but this is not true.
I am being asked to pay over {$900.00} dollars in interest to a debt collector in XXXX, CA for a credit amount of {$1000.00} attached to a closed checking account ( XX/XX/XXXX ) with XXXX XXXX Bank in XXXX XXXX, CA. The debt was charged off around XX/XX/XXXX. I do not have a credit agreement to see if the collection company can legally continue to charge interest. Further, I have not received monthly statement from the collection company indicating accrued interest and penalties. I understand there is the statute of 4 years in California. We are now in XX/XX/XXXX which if five years since the amount was charged off. I am not certain the collection agent has the legal right to charge accrued interest and further can still pursue collection. The credit reporting agency shows an amount of {$1000.00}. I want to know my legal writes as it pertains to the bank charge off and accrued interest demanded of collector and California statute of limitation on the claim. Thank you,
I did not have enough in my bank account to cover my ACH {$97.00} insurance payment. The next day, before noon, I noticed, and transferred money from my savings to my checking, and I was in the positive. I thought I had caught it before any NSF fees could be levied ( I had never opted in to overdraft protection ). But, the ACH amount was credited back to my account and a {$34.00} NSF fee levied. I did not see this charge until the next day, otherwise I would have transferred more. Later that day, I was charged a monthly fee ( which can be anywhere between XXXX or {$12.00}, which is confusing to me ), which put me overdrawn again. I transferred another {$100.00}. Now I see I have XXXX overdraft fees, for a total of {$68.00} in overdraft fees and {$34.00} in NSF fees. I 'm confused. I thought overdraft was opt in, and NSF was a fee when the bank decides not to pay? I am trying to close this account anyway due to some very suspicious things like this, and I have been fearing that something fishy would happen, like them saying it was closed but it was n't and then charged a fee to keep it open in the red. I 'm confused, because I know the bank had sent me a packet with new terms ( I 've had this bank 9 years ), but I thought I had to explicitly opt in? 
Which is it? Am I able to be charged both NSF and overdraft on XXXX transaction? Do n't they mean the same? This is n't the XXXX fishy thing that 's ever happened. XXXX they decided, all of a sudden XXXX month with no notice, to start charging {$11.00}, then {$13.00}, then {$12.00} ( in consecutive months ) on my savings account, with no notice or packet outlining changes in terms or anything. I called and complained and they said " Oh we did an audit and you 're supposed to be paying {$10.00} for the savings account ''. I then asked why they charged me XXXX different amounts, none of which were {$10.00}, and why they decided 7 years later I 'm supposed to be paying some fee I had n't heard of. The lady did n't even have an answer. She just reversed the charges, and I got no explanation as to why the charges just started appearing. I had to do that XXXX, and I still have no answer besides " an audit ''. Another time, they shifted the order of my transactions ; my biggest transaction was on Monday, and XXXX smaller XXXX on previous Friday. They processed the bigger later XXXX and levied a fee on each of the XXXX smaller ones, and I paid it, but did not remember until later that I did not opt in. They even told me over the phone they decided to change the order of processing. I was shocked, but I just let it go and decided to be more careful. My bank is Citibank. I 'm leaving them shortly because I 'm tired of this.
Applied for a Home Affordable Modification with Ocwen Loan Servicing , LLC and was approved for a three month trial of {$380.00} a month. I made all payments on time and was sent the documents to sign for approval but upon reading the documents this look like extortion. If I could not make my monthly payments due to a injury at work which caused me to be XXXX and a very significant decrease in my income what would make them give me a modification where I make monthly payments in the amount of {$380.00} for 23 months and have a balloon payment of XXXX which is the beginning principle balance. So, what happened to making the loan affordable for the homeowner to keep their home this is more like pay me some money dummy and I still keep your home. The home was going to auctioned off anywhere between $ XXXX in the year XXXX. I guess it is a good thing I can read. I filed bankruptcy due to this injury and was trying to do the right thing and pay for the property because it belongs to my mother who has been helping me through this process. I would love to keep the home so my mom can return when the time is right but I will not be a fool. I know this company has many complaints and bad reviews at the XXXX and I can see exactly why. I thought they were wrong for telling me not to send in my payments to catch it up when I got out of the hospital but this right here takes the cake. This is not an Affordable Home Modification at all. I also told my agent that I had not received my documents and they still sent documents with the XXXX deadline and it was clearly delivered in XXXX just another dishonest tactic. If payments are being made please tell me what is it being applied to : Somebody Pockets because it is definitely not the loan and at what point did Ocwen try to work with me by only dropping the interest rate and not applying the funds to the loan but applying fees. I see that number 2. was just ignored completely : If my representation in section 1 continue to be true in all material respects and all preconditions to the modification set forth in Section 2 have been met, the Loan Documents will automatically become modified on XXXX/XXXX/XXXX ( the " Modification Effective Date '' ) and al unpaid late charges that remain unpaid will be waived. Because I do n't agree to add all amounts including arrearages, unpaid and deferred interest, fees, escrow advances and other costs. If I could have made payments we would not be at this point. It is called a Home Affordable Modification not Unaffordable Home Modification. Please tell me what average person has XXXX to just give at one time. ( Not many if any ) At, this point I 'm not average because I 'm XXXX and just starting working last year in a position that paid XXXX an hour. So, please tell me how and the world can I pay XXXX in 23 months. I have made three payments in the amount of {$380.00} a month on time and no credit has been applied to my account according to these documents.
Called and left voicemail confirming call was for a debt on voicemail. I returned call, XXXX stated the debt was for XXXX medical bills, did not confirm who I was. When I mentioned an attorney, she said she would note the account that they do not have the information and hung up on me. I called and asked for a supervisor, whom also would not take my attorney 's information and hung up on me. Was very rude, interrupting me, claiming I filed bankruptcy in XX/XX/2015, which I never ever have, threatened me, used abusive language, very unprofessional harassment. Filing this complaint and sending formal DO NOT CONTACT me letter, with my attorney 's information included.
Non -receipt of payments-las t two m onths via usps.late fees applied.disputed fees.   payment received this month again, due date th e  XX/XX/XXXX  of m onth.mailed on the first from    XXXX   XXXX   to   XXXX  , TX.Have not rec eived draft from    XXXX   XXXX   XXXX   . today is the   XX/XX/XXXX .no contact to a lert me.    Caliber Home Loans   XXXX  TX tel.  XXXX   XXXX .
I have a second mortgage with Bank of America. I called them on XX/XX/XXXX to inquire about payment history dates on XX/XX/XXXX mortgage statement. It showed XX/XX/XXXX thru XX/XX/XXXX as not being paid, I have proof from my banking records of payments. I am aware of being 2 payments behind and was in contact with a representative who informed me that I could add additional monies to my normal payment until I was able to complete my 2 behind payments. Per my phone conversation XX/XX/XXXX, they informed me that my loan was charged off on XX/XX/XXXX, without any prior notification to myself from BOA. BOA 's resolution was for me to make a payment, which I did, and that they can not reinstate my loan. Furthermore, their suggestions were to either settle the loan or make payments which will further continue to have negative consequences on my credit as this will show as a charge off. I am under the impression that before any action like this can be taken against a consumer, that the loan holder would have to notify the consumer of any such action.
Back in XX/XX/2015, I initiated the XXXX XXXX Internet / TV / Phone connection for my home and I was promised a internet speed of 150-MBPS speed. 
XXXX installed the equipment and I never ever received the internet speed of 150 MBPS. ( Checked using internet speed checking utilities available online ). The max speed that I ever received that I measured was 70 or so MBPS. 
After numerous customer service phone calls and numerous techniques trips to home to fix the problem, XXXX was never able to provide me the internet speed of 150-MBPS. 
I had no other choice other than to cancel the connection. 
XXXX comes back to me saying that I still owe them money for internet services that were not provided to me as promised. Attached are last two monthly statements. 
XXXX sold this debt to a company called XXXX XXXX XXXX and this debt ( {$110.00} ) is being reflected on my credit history. 
I have contact the credit bureaus to remove this debt form my credit history and was un-success doing so. Need help to remove this debt from my credit history.
In XXXX 2014 I entered into a settlement agreement with GM Financial. The terms included making XXXX of the past due balance and the account will be settled. Terms also included removing past negative marks and tradelines on my credit report. GM Financial has completely removed the prior payment history on XXXX however they have not honored the agreement to remove the tradeline from XXXX, XXXX and XXXX. It 's been a year and I would like the credit reports updated immediately per the settlement. last XXXX SS : XXXX
I had a fire on an out building built long after mortgage was secured ( did not originate with ditech ). It was a therapy building for my XXXX special needs sons. Since I have a mortgage the insurance company had to include th on the check. I still owe funds for this building ( put on my cards ) I contacted Ditech to get the ball rolling so I could pay off this debt. I was told I could not and needed to sign the check and send it in and then they would regulate the rebuild. Finally on XXXX XXXX I called back to speak wtih a supervisor to get more details and to explain my situation. Spoke to a rep that gave every detail. We went over this again before ending the call so I made sure I got what they needed. WA sold a letter/adjuster report stating it was a total loss ( since that makes a huge differwnce ) & that it indeed is a separate structure from the home. I did this and sent in check so they would endorse and return like I was told. Today I called to follow up and they will not endorse it, I have to rebuild under their guidlines or put it towards my principle. Based on my prior conversation which rep today stated she saw I was told that I could opt to not rebuild IF insurance company stated total loss of separate structure. I mailed that certified with check ( unendorsed & took pictures of what I sent ). The rep stated only the check is on file as well. This does not impact the value that I mortgsfed, in fact the value of my home is way higher now and I should not have to pay a debt for this building when thay is the purpose of insurance. Thank you and feel free to contact me at XXXX
I called my mortgage company to re-fi they told me I was not reported as paying on time on my credit report. I asked them to please correct that as they are my mortgage company and they can see I have never been late or missed a payment in the entire 6 1/2 yrs that I have had a mortgage. They confirmed that was correct but said it was in my bankruptcy from 3 yrs ago. I said if that was so why would I still be paying it and living here. it makes no sense. They want me to hire a lawyer and re-open my case, I spoke with a lawyer and he said they have the power and the duty to report correctly to the credit bureaus that the mortgage is active and open and payed for on time, Thank you
I had a Discover card that has not had any activity before XX/XX/XXXX. A company sent me a court date for XX/XX/XXXX. I called them and told them that I only have social security and VA XXXX. They said not to worry about going to court or my money. They got a default judgment against me even though there is a 3 year statute for the last activity on the account. They sent me a letter in XX/XX/XXXX offering payment options and right after that, they sent letters saying they would seize my property. I went to the courthouse and copied my files. One of the papers said they got a judgment on XX/XX/XXXX. They never told me this. They seem very shady and unethical.
at first I got sick and was unable to work, so I ask forgiven of the loan, and I did sign up for the forgiveness program and was accepted, gave this person all my information, even made payments to get the loan forgiven, now I still have the loan, they took my money and I have n't heard from them I paid {$280.00} for three months that was the agreement, and I would get my loan forgiven, they owe me {$860.00} I need them to correct this information and/or refund me my money. I have the records to show you the name of the company, and funds taken out of my bank account. I want to know if this was a fraud/hacker on my computer. please help because all my information is on this computer such as my SSI number, bank information, birthday date etc. please help. thank you
I was looking at my XXXX credit report on XX/XX/XXXX and noticed it is still showing XXXX XXXX as open with a balance of {$3400.00}. I paid this loan off on XX/XX/XXXX at {$3400.00}. Why is this still showing up two and a half months later? When I go to my XXXX XXXX account, it shows paid in full with a {$0.00} balance. No doubt this is impacting my credit score. XXXX is supposed to be some sort of great credit monitoring product but I do n't see any meaningful benefit from my membership. After contacting them via email, I never got a reply.
They did not give me a lower payment options, kept forcing forbearance on me ( They make you pay a fee for forbearance ). My loan has doubled in price and has reached {$150000.00}. I can not afford the payments on this loan, but know one wants to help. I keep making payments but the balance never goes down. They also told me after you pay XXXX consecutive payments that you can remove a co-signer. I made 12 consecutive payments and was told that because it was a " discounted '' payment. All of the sudden it was " it has to be full payments w/out a discount '' I ca n't afford to fill my cavities, go to the doctor, buy a car, get a business loan. I live buried under credit card debt because the payments are ridiculously high. My XXXX and XXXX are at a constant high considering that they call me 8 times a day.
Equifax makes the process to obtain our free credit report deliberately so difficult it is practically impossible to do so, after 5 attempts, I finally received a notice saying online delivery was not available. No options of contacting them was given. 

I will submit the paperwork to obtain my report via mail which I assume will take 4-5 weeks to be processed also putting my personal information at risk. 

The federal government should hold them financially accountable for not living up to their promises in any way.
The debt in question was deleted from my bureau reports several years ago after a failure to validate on the part of a different collector. 
This collector ( First Collect of XXXX, Delaware ) is clearly a junk debt buyer. They purchased the old file and made attempts to collect via a dunning letter. In my response I requested validation. I received the validation and immediately recognized the old deleted debt. I replied with another letter indicating that the debt had previously been deleted. Further, the statute of limitations for reporting passed no later than XXXX XXXX. 
First Collect proceeded to make an entry to my bureau reports despite having been advised of the SoL and the previous deletion. The also falsely reported to XXXX that the " account '' had been opened on XXXX XXXX, clearly the date that they bought the junk debt but misrepresenting that it was a new debt and/or a new delinquency. 
They have revived a dead account, ignored the statute of limitations even when their own " validation '' document supports my position, and they have violated the law by falsifying the date and character of the debt in my credit reports.
Our primary residence home was foreclosed on last year by Nations star Mortgage. During this process we made heroic efforts to accomplish a short sale and thus mitigate the loss to the lender, with no cooperation at all from them. They took title to the property and sold it within a short period of time. We have subsequently received an IRS XXXX for {$410000.00} which amount represents the entire loan balance. We feel that this tax liability is is error, and they refuse to correct it.
My account was closed without notification and that is a breach of contract. They had access to personal information and should have notified me before closing an account.
I sent a recent dispute letter XX/XX/XXXX to the credit bureau about an item on credit report for the original creditor University XXXX XXXX Account. The dispute was initiated XX/XX/XXXX and the investigation was completed XX/XX/XXXX in the report number XXXX. I have previously sent in disputes as well disputing that I do not have an unsecured loan with University XXXX XXXX this account back in XX/XX/XXXX. I spoke to a supervisor today XX/XX/XXXX with Equifax dispute department by the name of XXXX XXXX ID : XXXX, I informed him that I sent a dispute in to dispute that I do not have a unsecured loan with University XXXX XXXX, but the dispute was sent in to dispute the balance. I did n't request that. XXXX told me that he see I requested for the dispute of the status of the account and where they disputed the wrong code to the company. He also stated that he see where I disputed the same issue back in XX/XX/XXXX and University XXXX XXXX verified that this account is an unsecured loan. I told the supervisor that is why I sent in another dispute because I have documentation from the creditor that is not an unsecured loan. I asked the supervisor, if I have documentation that this account is not a loan and the creditor keeps verifying it is, this is legal for them to report inaccurate information. The supervisor then told me that the company can report whatever they want ; we receive the information from the creditor. I do n't have an unsecured loan with University XXXX XXXX. According to the Fair Credit Reporting Act that the credit reporting agencies provide you in the credit report that is sent out in the mail. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. University XXXX XXXX did not verify that I have an unsecured loan with them. I called University XXXX XXXX XX/XX/XXXX at XXXX ext XXXX, spoke to a representative that stated the reason the credit report is showing Unsecured Loan is because they do n't have any other options to choose. The explanation that I was given of this action that has taken place on credit report is not my fault and supposed to be removed for reporting false information.
The title company say I have a mortgage on that I paid off. I have put a few payment receipts in a zip file I attached via the upload.
There is a credit inquiry on my XXXX report that I have never seen and did not approve. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
XXXX XXXX Services is currently reporting a " charge-off '' on my credit report. According, to the information on my report, this trade line has been a charge off since XXXX 2008, and should be deleted from my credit report because it has now exceeded the 7 year statute of limitation.
Paid off loan in XXXX -- Have not received the Title. Talked to JP Morgan / Chase 6 times. Long story short lots of promises still no title.