WillisBack/dataset-financial-user-claim huggingface dataset:
This is a credit card fraud case where my Bank of America debit card was stolen from my bedroom. The debit card was used online for purchases and also at ATM 's to withdraw money. The first transaction occurred XX/XX/XXXX at XXXX XXXX XXXX XXXX and the last transaction was on an online purchase on XX/XX/XXXX. The total amount lost was a little more than {$6000.00}. 

My claim was denied a couple of weeks later. The bank claimed that I must of given my information out for someone to be in possession of my card and pin number. I then did my own investigation and discovered that someone stole my banking information and was logging into my bank account and changed my phone number on the account. The bank claimed that they had blocked the card because of suspecious activity and that someone called to unblock the card. I then told them to go back and listen to the audio so they can see that the person that was claiming to be me was not in fact me. I was then told that it had to be me because I was logging in to the account. I then told them that I've never even created an online account and that they should check the IP address to see that it was not my IP address login into the bank 's website. I was then told that I must have made the ATM withdrawals because my pin was used. I then told them that it was not me and that they can obtain the ATM footage to see that it was not in fact me. I was then told that I need to go obtain that footage and send it to Bank of America. I then told them that it would be impossible for me to obtain that footage because I am not law enforcement. 

I've filed a police report with the XXXX XXXX. Police department in XXXX NJ a week after the incident occurred. 

My claim has been denied twice, BOA claim that there were no issues with my account and that I authorized the transactions.
I have been making as much payments as I can for the past 2-3 years. I have XXXX total loans that I 'm paying. This loan in particular is refusing my payments as of XXXX 2016 because I 'm not meeting the interest.
I don't understand why once again XXXX Nationstar Mr. Cooper ADDED the following comment BACK under my VA mortgage loan with regards to a Natural Disaster that has not happened to my residence nor area. This is once again being submitted as well to my insurance company and FEMA. 

I do not understand why additional false reporting is being done by XXXX Nationstar Mr. Cooper after each complaint I file to the CFPB. There is a serious issue and pattern of misconduct going on and I need answers. I need this ONCE AGAIN REMOVED from my credit report. 

Also per last complaint to the CFPB, I need all payments be reported to the credit bureaus so I can move forward with my personal bank taking over my loan to refinance since this issue seems to never be resolved per XXXX XXXX, refer to XXXX Nationstar Mr. Cooper taped phone conversation. 

Here goes ANOTHER CFPB complaint. 


Sincerely, XXXX XXXX Updated Account Information XXXX/NATIONSTAR MORT - Remark Added to Account Remarks are meant to make your report more clear. If you're not sure what this remark means or where it came from, you can contact your creditor or the credit bureau for more information. 
Between XX/XX/2018 and XX/XX/2018 the following remark was added to this account : Affected by natural disaster
I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party.I have no knowledge of the debt and request it be removed from all bureaus ... it is negatively affecting me.
I am {$30000.00} in student loan debt because I am the last of XXXX children who all went to college. My brothers had to take out student loans for their education and used my parents as co-signors. When my turn came, I was forced to use XXXX loans. Apparently they will not budge about deferment for XXXX XXXX or even helping with repayments, such as lowering payments since I will have a {$0.00} income for the next TWO years! They are not willing to work with me at all even though the early communications I had with " loan counselors '' assured me I would receive a deferment/forbearance. They are n't all on the same page and it is frustrating that I am now one month from departure and have no idea what to do. My monthly allowance from the XXXX XXXX will not cover each month 's payment.
I am completely shock of all the fraudulent claims Nationstar has come up in order to denied my loan. I have provided the same income as the previous review and I was provided a trial payment and now that I was forced to re-applied in order to safe my home, Nationstar refuses to approved me for a modification. Based under the guidelines my loan does qualify for the Hamp Tier 2. On the previous review nationstar offer me the Hamp Tier1 and on the final documents they switched the terms to the Clarity commitment modificaion. After I question them on why my modification was been combine with the Clarity commitment, Nationstar did have an explanation. This was not acceptable because under the Clarity commitment I know I should be offer some principle forgiveness based under the national settlement against Nationstar. At this point I have tried to work with Nationstar numerals times and they have switch my income in order to denied my loan, after many applications now they are stating I dont have enough for an affordable mortgage payment. When clearly I have the same income from the previous review and I was offer a trial, why is this any different. I have attached supportive documents to make sure Nationstar stops prolonging my loan. My intentions are to keep my house please help me my home is severely under water. Thank you.
Creditor is reporting accounts that are invalid and unverified. XXXX, XXXX  and XXXX   have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
GM Financial has me in the highest interest rate car loan imaginable. 
I know my credit was n't the best when I got the car, but I feel that it is unfair Because I can not refinance my car because of its value and depreciation is less than what I owe GM Financial. A {$15000.00} car is gon na cost me almost {$30000.00} when I 'm done. Not to mention they would n't give me XXXX coverage.
1. Received a hard credit inquiry from a company called CBNA on XX/XX/XXXX and I don't know who this is and what its all about. I just saw it on my credit report and want it removed. I called the company and they have no knowledge of what I was saying or trying to resolve. 

2. Received a hard inquiry on XX/XX/XXXX from XXXX and I don't know where this come from. I happen to see it on my most recent credit report so I called the company and was told that it was only supposed to be a soft inquiry and had no idea how it was reported as hard inquiry. This conversation took place on XX/XX/XXXX and the inquiry is still there.
They are not allowing access by external applications such as XXXX XXXX so I can get a rebate
Transunion, XXXX  and XXXX  are allowing XXXX XXXX XXXX  to report false information on my account, and is allowing XXXX XXXX XXXX   to keep peoples account open even though the accounts XXXX XXXX XXXX XXXX and account XXXX XXXX XXXX XXXX
XX/XX/XXXX: XXXX XXXX account closed and paid in full. 
XX/XX/XXXX : XXXX XXXX started withdrawing money from my checking account, I stopped the payment. 

XX/XX/XXXX : XXXX XXXX sent to collections, Convergent. I disputed twice with XXXX XXXX and they said it can't charge me once account is closed but they couldn't get Convergent to return the charge off to get taken care of for me. 

I tried two other times through agencies credit reporting dispute process. They still did not remove and said it is a good debt. 

XXXX XXXX said not good, but yet Convergent says it was good. After account was closed I was charged. 

This is on my credit and now I have to pay to get a home mortgage or they will not try to finance me for XXXX dollars. I have no problem paying this, my credit score is over 750 but for some reason the bank wants me to pay this off. 

Please have them remove this from my credit. They are harming my purchase of a home.
XX/XX/XXXX, at XXXX XXXX my friend attempted to wire me money for yesterday ( XX/XX/XXXX ) 's dinner through this application called XXXX. However, my friend notified me that an error prevented me sending the money to me, please see photo # 1. At XXXX, I tried to request money from my friend, then a message popped up saying my account has been frozen, please see photo # 2. At XXXX I called XXXX customer service and filled a claim with XXXX XXXX , please see photo # 3. I did some research online and found out that many people have experienced the same situation, I decided to close the XXXX account and withdraw the money, but it did not work and XXXX indicated that I have paid all my balance to XXXX, please see photo # 4 & 5. XX/XX/XXXX, XXXX, I received any E-mail from XXXX XXXX at XXXX saying that my account has been permanently deactivated, please see photo # 6. At XXXX, I spoke with XXXX XXXX from XXXX and filled another claim, I was informed by XXXX XXXX that the money in my account will not be returned back to me.
XXXX XXXX XXXX ( XXXX ) entered into an agreement with me in XXXX XXXX to provide bundled package of cable television, internet, and phone for a fixed price that would not change for 2 years. A few months later in XXXX, they added a monthly charge of {$4.00} for internet modem, which I refused to pay because this was included in the fixed price locked for 2 years. XXXX continued to bill for this service. I always paid the originally agreed monthly fee on time, but refused to pay the {$4.00} surcharge that was outside our agreement. As XXXX continued to bill this surcharge despite numerous call to them, I terminated their service. XXXX claims that I owed them {$8.00} in unpaid surcharge and an additional {$67.00} for not paying the {$8.00} on time. In XXXX XXXX, I received a letter from XXXX. XXXX XXXX, a collection agency based in XXXX XXXX, XXXX, stating they were representing XXXX. I sent an explanation to them that I did not owe the amount of {$75.00} to XXXX. This collection agency closed the case after receiving my explanation. In XXXX, I received a letter from a second collection agency, XXXX XXXX, based in XXXX, XXXX. Again, I sent them an explanation that I did not owe the disputed amount to XXXX. In the mean time, I noticed that my consumer credit report showed negative information that I owed {$75.00} to XXXX. I disputed this information. Subsequently, XXXX XXXX closed the case and sent communications to all major credit bureaus to remove the negative information. On the XXXX XXXX, XXXX, I received a collection notice from a THIRD collection agency by name, EOS CCA, based in XXXX, XXXX. Again, I sent my written explanation immediately on XXXX XXXX, XXXX stating that I did not owe the amount of {$75.00} to XXXX. I did not provide my phone numbers to EOS CCA. However, EOS CCA has been calling my office phone XXXX a day for the past 7 days, apparently obtaining my work phone number via internet search. I have not received a written reply from EOS CCA. Instead, they keep harassing me via XXXX a day phone calls to my work phone number. This practice is HARASSMENT.
Calvary XXXX XXXX received the COMPLETE debt payment in XXXX XXXX. They DID NOT give this payoff info to any of the credit bureaus. This resulted in me being UNABLE to ACQUIRE any CREDIT for the last TWO YEARS. They further lied to me and told me it was NOT their responsibility to report this payoff, and yet it was. They have INJURED my CREDIT WORTHINESS for TWO YEARS due to not properly reporting this info. 
When I spoke to someone at Calvary in XXXX XXXX, they did their best to throw me off onto trails of misinformation. Told me to call the courts, told me to call the other company, told me to call the other attorney ... a huge amount of nonsense, and days of phone calls and follow up, only to hear for the court and the attorneys that CALVARY was SUPPOSED to REPORT this PAID OFF DEBT back in XXXX.
There was a XXXX Credit Card Opened in My name on XX/XX/2013 ( 4 yrs, 4 mos ) Balance Owed is {$18000.00} which is 122 % over the credit limit due to interest charges and fees accurred
On XX/XX/XXXX I received my payoff package in the mail. I immediately XXXX the required amount to them which was marked received on XX/XX/XXXX. The amount enclosed was the exact amount requested on the paperwork for a payoff through XX/XX/XXXX. On XX/XX/XXXX I logged into my account and noted that the lease was still active, a late charge had been added and the payoff was marked as short. I called, spoke to a supervisor and was told that some work would be require to reverse the issue and I would get a call by XX/XX/XXXX. It is now the XX/XX/XXXX and this is still not resolved. I never received a call, email or other update at all on any of this. They will not give out supervisor information, and everytime I call " none are available '' This is bar none, the worse work I can imagine. I have done nothing wrong and yet even a month later they ca n't resolve this. I am now worried that this inept company will report me as late for a lease that I have paid off and I still do n't have my title.
I bought a car at a local dealer named XXXX I was told car was clean title vehical. car was not. I brought car back to dealer car was taken back I was givin XXXX bads checks from dealer for my down pmt I gave him. loebell is the lien holder on this vehical .... I gave car back because vehical was sold under false pretense to me, by dealer and loebell financial, I maid four pmts on this vehical plus repairs this vehical was supposed to be taken off my credit report it has not because the dealer does not have money to buy contract back from loebell they will not give back my pmts or repair money I put down I was lied to from onset of deal I gave car back because dealer, HAD TO TAKE IT BACK BECAUSE HE LIED AND I CAUGHT HIM .... loebell wont release me from loan or pay me back the money I paid them, them for fouir months this is robbery I am not respo9nsible for a dealer or lender who falisfys legal docs which is the case by dealer and lender loebell has not been helpful I have been completely abused by every employee there. I w3ant my payments lost time and money back
XXXX and XXXX on XXXX XXXX XXXX, XXXX  XXXX Ca XXXX, ( XXXX ) XXXX, called my relative ( adult son ) and told them I was going to be served with a summons/judgement and that a civil suit was being filed against me.I received the number from my son and called XXXX and XXXX back and was connected with someone who stated their name was XXXX XXXX .He proceeded to tell me that I owed XXXX XXXX {$7300.00} from 1998 which has been gaining interest and fines.I told him I have no idea what he is talking about I have never had an account with XXXX XXXX and that is was identity theft.He then proceeded to tell me that I could pay the money or be taken to court and have my salary/wages docked. 
I am a XXXX XXXX XXXX and was frantic to find out what this was about because my son called me frantic, so I called him during my lunch hour, and he actually asked me if I always talk and chew food with my mouth full while I am on the phone ... which I realize that it is rude for me to talk with my mouth full, but for him to make a personal harassing statement to me about me trying to eat my lunch, while threatening me with a lawsuit, after I had explained to him that I had no idea what he was talking about ... made me suspicious that their law firm is shady and is trying to fraudulently get money..
The original charges of {$90.00} and {$41.00} were charged by XXXX for monitoring. In XX/XX/XXXX I had contacted the XXXX in Arizona to complain about a new security alarm system not working and not being able to make contact for technical service. They have not responded to XXXX. Therefore, XX/XX/XXXX I called the dispute dept. at 53 Bank to register a dispute against XXXX 's monitoring charges of {$90.00} and {$41.00}. Fifth Third Bank issued late payment and interest charges of XXXX against my account on XX/XX/XXXX after I had called disputing the charges. Debits of {$90.00} and {$41.00} were issued on XX/XX/XXXX but the late payment fee and interest remained on my account. I called again concerning the late payment and interest and the dispute dept. told me that they will remain on my account until the issue was resolved and I would either have to pay or they would be removed after the dispute was settled which would take up to 90 days. I asked them why they did n't remove the late payment and interest charges also because I am receiving collection calls on something I am disputing. They told me not to be concerned that my account was documented on the disputes. I am still receiving numerous calls from collection agent on paying this late fee and interest. I told them that I was not paying for any charges that were not justified. I continue to get collection calls and another late payment charge on a balance that was a late payment charge for items in dispute. When I called today they were wanting to switch me back and forth to explain their procedures. My complaint is on their procedure of not removing the late and interest charges until the disputed matter is resolved. To me they are gouging their customers. It took them almost a month to remove the charges from my account and then they want to charge me excessively for late payments.
I lost my job and asked my mortgage company for help. They worked out a plan with me and I made all of my payments as agreed. I was told I could reapply for more help once the plan ended. I did everything they asked and they denied me for help. Then, they told me I owe them over XXXX in back payments due in 2 weeks or my house will be in active foreclosure. I was told that during the payment plan, no fees would accrue and when it was done I could try for more help or resume my normal payments. Now, the situation has changed. I want to keep my home but am still unemployed.
We have our mortgage through Chase. We also have it paid by automatic deposit from our bank, XXXX XXXX. We received a late payment notice. When I called to ask what this was all about, they said that they paid our taxes because my county called them and said that we did n't pay our taxes. I had paid our taxes. When I called the county, they checked and confirmed that my check never made it to their office. BUT ... they also said that they NEVER call mortgage companies regarding a month or two late payment. They do n't consider it delinquent until 5 years have passed. So, unbeknownst to us, Chase lied to us and said that they were asked to pay our taxes which put us into escrow. We never received a letter from Chase or a phone call with information that we had been escrowed. When speaking with a representative she apologized for not informing us. So, the dollar amount being paid automatically was not enough to cover the mortgage plus the escrow, making us appear to have late payments. I, not even knowing what an escrow is at the time, had a million questions. This representative said that if we paid our escrow in full, it would get rid of it and basically back to normal again. We waited for our tax statement to come in the mail and when it did n't I called the county. They said it was still in escrow with Chase. We had no idea what was going on. For 6 years this has been going on! We have paid our escrow off 2 or 3 times and are still being escrowed. We just received an explanation on Friday that even though you pay off your escrow, you are still in escrow? I have talked to more representatives than I can count receiving different information each time. I have been given wrong numbers to call, out of service numbers to call, etc ... when we explained our dilemma with a representative explaining to him that this needs to be cleared up, he encouraged us to refinance and that Chase will understand our history and see us as delinquent. We did just that and received a letter that our credit was not good with Chase and that we can not refinance. We are desperate to have this resolved. I have contacted the Minnesota Attorney General 's Office as well as the Office of the Comptroller of the Currency. We are paying an astronomical interest rate and have been for 6 years. Thank you so much for your time. There are so many more details to this situation but not enough room to share it all. Chase has never cared whether or not we understand what is going on. My questions are never fully answered and I literally have not spoken with the same representative twice, which involves repeating my 6 year long story to each and every one of them only to be told how much we owe. No one is taking responsibility for the XXXX up, we just keep getting deeper and deeper in the hole. I really hope you can help us. Thank You!
3 times XXXX has not pulled a planned scheduled payment out of my bank account. They blame my bank or say they " have no idea what happened '' then instead of trying to process the monthly federal school loan payment again, they defer my loan. Creating higher interest. This has happened to me 3 times, and to my mother twice. They act clueless when you ask questions and tell you they have no idea where my bank account info is or the payment bank info for my account has disappeared all together. This is a SCAM. And I will Not tolerate it.
I have disputed this conns credit corps account number XXXX many times and Transunion continues to report negative information to my credit report. The account reports inaccurate and incomplete information. I disputed the balance they verified it but Changed the amount how is that possible? Went from XXXX to XXXX. This account number is also a duplicate account with a different balance of XXXX. They refuse to investigate independently from the consumer electronic response with no proof actually being verified. I asked to have all past investigation findings, method of investigation, who verified it and their contact information mail to me as proof of investigation and the refuse to do so. Its been past the 15 days allowed to respond. Pure negligence. The original charge off balance is XXXX and the balance now is XXXX but there is no payment listed after the charge off date of XX/XX/2016. So when and how was XXXX dollars paid on a charged off account and if so why is it not listed as a payment? Proof of no real investigation and negligence. Proof and documents are listed in the attached files. Also there are scheduled payment listed on both duplicate acccount one of XXXX and the other XXXX they are both charged off the balance should be XXXX.
AFNI is trying to collect a debt that I owed XXXX XXXX XXXX from XX/XX/XXXX for {$500.00}. I had paid {$100.00} on the debt right before XXXX XXXX XXXX sent it to collection. They told me they had the right to tack on {$100.00}. At that point I decided not to pay because of this action by XXXX XXXX XXXX. It should be off my credit report by now but AFNI has it dated as from XX/XX/XXXX. I read that this is a tactic AFNI uses