WillisBack/dataset-financial-user-claim huggingface dataset:
Fraudulent Checks and fraudulent withdrawals were deposited and removed from my college students Chase account. The crime was committed by use of of a credit/debit card and the criminal also knew the pin #. The several checks were deposited, which was over {$3000.00}, ALL written by a " XXXX XXXX '' to someone name XXXX XXXX via a Chase ATM machine. Then the criminal went on a spending spree! The bank alerted us about the transactions via text message which we responded to ASAP. The bank was called and I thought it was all taken care of, the college account was closed, END OF STORY! Well several weeks later Chase Bank withdrew {$3000.00} from my ( the parent ) savings account. I reached out to Chase bank again reported the problem. I explained to them that it was ALL fraud! And if they could look at previous transactions with the account they would see that it was not the norm. I also asked if Chase Bank could just look at the camera where the checks were deposited & they could then see that it was not my college student. But Chase refused to investigate the identity theft/fraudulent deposits or withdrawals. Chase bank told me that since I looked at my Chase Mobile account while the transactions was taking place, that I did not act quick enough to inform them of the crime. However the bank was called right away, I have a letter from my college students school and the attendance roster, stating my college student was in class at the time of the crime, and the crime took place 3 hours and 45 min away from the college. A police report has been made and we have requested a warrant be placed so that we can get assess to the video from the bank. I have record of when the bank reached out to my college student, and I have requested copies of my phone records to prove a call was made to Chase bank as soon as we became aware of the incident. Not only did Chase withdraw the {$3000.00} from my saving account they also charged me the transactions/overdraft fees and kept the remaining money in the college account. So actually this complaint is about a college checking account, and a saving account that was has unauthorized/disputed FRAUDULENT transactions. The fraud was from a college account, the {$3000.00} was removed from a saving account. Primary Account information provided.
I have reviewed my credit report and it reflects correctly my good credit history. Yet my score has continuously dropped from around XXXX in XXXX 2016 when we finished a streamline VA loan refi, to today 's score of XXXX. Nothing has occurred in my credit since XXXX that would warrent such change such as having late payment, missed payments charge off or court actions, etc. However, my credit score keeps dropping Asverse my lines of credit get reduced for having lower and lower scores. A catch 22, my score was dropped then my line of credit is reduced which drops my credit line. 
I would gladly pay off my credit as it 's not that much. Except for a little issue that started in XXXX of 2016 : My veterans educational benefits have been recalculate as a result of this the VA has determined they over paid my school. So, VA has withheld my pay in XXXX, XXXX and again in XXXX, over {$8500.00} ( my school was only paid {$6500.00} ). I 'm just very confused by all of this. And still, I 've keep up on my payments. But this sliding score is causing a mess as we are trying to buy a home! I expect to see a score of XXXX any day now as time progresses.
I have bi weekly payments come out of my account every 2 weeks and during the month of XXXX I requested that only XXXX payments come out rather than XXXX. Since that time it has been a nightmare with Wells Fargo. I had to call back in and reset up bi weekly payments and then they double dipped my account in XXXX causing my account to overdraw. They said I would need to send in proof as to charges so when Is ent it in I covered up my deposit amount and they then said they could not credit me becuase I covered up my deposit amount. I then set up bi weekly payments again with them and instead of taking it out of my account on XXXX XXXX they took the payments out of someone elses account ending in XXXX and my account ends in XXXX. When I called he said ( XXXX XXXX XXXX that the payment has already been taken out I advised him I have no idea who 's account that is. He advised me he would need to do further research, which is what he always says. I just want my payments to come out right going forward and they ca n't seem to make that happen. It has cost me a total of {$75.00} for double dipping, taking out payments on the wrong day and most recently not even taking out house payments on the right account
My credit report lists " attorney fees '' and this is not an attorney fees account, it was a company who we used for our Company, XXXX, to collect credit card payments. 
We had a client who returned our motor home late, damaged the motor home, and then did not want to pay for the rental or damages. 
The original date that the collection was recorded was XXXX/XXXX/2011 to the credit bureaus. 
This was a fraudulent charge back situation to our company whereby we submitted a lot of information to the credit company including pictures and our contract and yet they still honored the charge back. This is not our problem, as this company charged back the amount requested by the consumer and we had to contact them to find out why. 
Please see attached credit bureau page where it showed that the original collection was XXXX of 2011. 
I believe legally this now has to be removed from my credit as it has been 7 years. 
Thank you.
Truth in Lending violation by Synchrony Financial. On or about XX/XX/XXXX I applied for an increase to {$100000.00} for my Lowes Card issued by Synchrony Financial. I provided XXXX income tax returns and other data via fax. Later, I provided XXXX returns and recent pay details. The increase was needed to finance the purchase of a kitchen remodel for a property we have purchased. The increase was approved on or about XX/XX/XXXX. The increased line amount was reflected immediately on the Lowes Credit website. A few days later, I received a letter via USPS stating the line availability was now {$100000.00}. In reliance of this contracted amount with Synchrony/Lowes Credit and only due to the financing being secured, I proceeded with the related purchases from Lowes. To date, partial payment of the purchases amounting to {$66000.00} have been made on cabinets and appliances and associated labor. The balance remaining is needed to pay for all related construction, plumbing and electrical work and critical items such as permitting. On XX/XX/XXXX as I attempted to make the final approx. {$30000.00} payment, we discovered the account had " been placed under review '' and further advances declined. Synchrony first claimed they were concerned with ID theft. Following confirmation of my ID via their processes, they switched to the explanation of the account being " reviewed '' and the manager refused further details leaving me completely is the dark. We will be substantially financial harmed as we now need to secure replacement financing and our renovation will be delayed. This further delays our move in and rental of our current property, all substantial financial penalties for doing nothing but relying on Synchrony Financial 's offer of credit. As a substantial earner with a credit score in the XXXX, I expected more. Furthermore, I am a XXXXyear XXXX XXXX so I recognize an extremely poor performance and breach of contract and Truth in Lending when I see it. Approving credit and then allowing a customer to get themselves indebted and therefore tied to their customer Lowes then unilaterally withdrawing credit even temporarily is beyond inconvenience and should be subject to review and sanction by CFPB.
Chase closed my credit card and bank account for no reason other than I had overdrafted for a few days, I told them I would be having a couple large deposits ( XXXX and XXXX ) dollars coming in within the week at most. Now I have no idea how I can get the money out of that account. All of the reps on the phone gave me different answers. My credit score is going to be hit hard on this as well. Bank account was closed on the XXXX, credit card was closed on the XXXX of XX/XX/2019 2019
Hello, I was doing my year end bank statements and noticed that paypal pulled out {$300.00} from my checking account in an unauthorized transaction. I contacted Paypal, and they refused to do anything about it and reimburse my money
Experian is falsely reporting inquiries that shouldnt be on my credit report. My inquiries were removed and then reinserted without a 5 day notice given to me ( Which is a FCRA Violation ).
I had a personel account with Capital One Bank and An XXXX Corporate Account with the same bank. the bank manager closed my account and removed all funds from my personal account and deposited the funds into my corporate account without any permission and without advising me of the transaction. when I went to the branch they stated that there was two cashiers check mailed to me, which I never received they failed to tell me that they deposited my personal funds into the corporate account. its been now 30 days since that happened and the accounts are still open. I never authorized any of the transactions.
I was on vacation today and received an email from a co-worker I do n't know. XXXX XXXX from Bonneville Collections contacted my employer and identified herself as a collector to a co-worker. I received an email with the message, including XXXX XXXX from Bonneville Collections called XXXX. It 's extremely embarrassing because I do n't even know if this is a valid collection attempt as I 've never heard of them.
This account was from XXXX/XXXX. In XX/XX/2018 I spoke with XXXX about this account, paid it in full, and they recalled it from collections. XXXX advised that the account would be removed if it was being reported. The representative did not know who the collection agency was or if it was being reported during the call. I have written to Convergent Resources and have not heard a response in over 30-days. I have disputed this with the credit agencies and Convergent Resources continues to falsely report this account.
Since XX/XX/17 I have been trying to get EQUIFAX to correct my credit report to no avail, all my credit info is missing, see attachment.
In XXXX, my husband of 20 years and I divorced. He quit his job immediately prior to the divorce proceeding to ensure that I would not be awarded Child Support for our XXXX children. I was then actually required to pay him child support as I was the primary income earner. At any rate, this spawned a chain reaction of debt pile-up, including our mortgage with JPM Chase. I applied for a modification with them in late XXXX and were going through the process and I was following all of their " rules '' and " hurdles ''. Sending requested documentation 4 and 5 times. We were coming into what the Chase Loss Mitigation team called " the home stretch '' when we received a knock on the door one Saturday morning by a realtor claiming our home was sold at Auction the day prior and we had 30 days to move. I was devistated. I had worked so hard to buy my home and it was literally being taken away from me even as I was trying to do the right thing for myself and my children. I was forced to file bankruptcy in XXXX and included the foreclosure in that BK. I was forced to rent a home in XXXX that was far too expensive for me to afford due to the limited time I had to procure a home for a family of XXXX. In XXXX, I was hospitalized and almost died from XXXX. I was off work for over 6 months. I was released to return to work full time XXXX. I was then displaced with XXXX other XXXX employees on XXXX. I liquidated my XXXX to pay for my rent until the end of XXXX. On XXXX, I was evicted from my rental home due to not being able to pay rent - as no job had been secured. This was the first time I had not had a job since I was XXXX years old. For the first time in my life, I was officially homeless. With all XXXX children in tow. In XXXX, XXXX rehired me in their XXXX as an XXXX where I have remained employed since. Unfortunately, the entire course of events was triggered by Chase 's inability for their loss mitigation department to talk to their foreclosure department to advise that we were mid-modification. I know of several other families who have had similar situations with Chase. I believe their modification process was all just a tactical move on their part to reclaim properties from unsuspecting modification clients - similar to the bait and switch. Deplorable.
XXXXXX/XX/XXXX I received notification from Fed Loan Servicing regarding the number of qualifying payments I have made for my public loan forgiveness application. The number of payments they have reported that I have made is incorrect. I talked to customer service and went through year by year the number of payments that I have made. There is a discrepancy between the total number of qualifying payments they counted and the actual number of qualifying payments. I requested that they send me a updated letter reflecting the accurate number of payments made and listing year by year the number of qualifying payments. They said it would take 60-90 days to review my case and make the changes. 

On XX/XX/XXXX I called and talked to customer service again regarding the status of my qualifying statement review. I was told there were error regarding my payments and they would get back to me in 60-90 days. 

On XX/XX/XXXX I called and talked to customer service again regarding the status of my qualifying statement review request. I was told there was a error with their IT department and IT needed to make changes to my account. They stated that there was no way of knowing when IT would make those changes so I could see the number of my qualifying payments. Furthermore, they stated there way no way they could make this a priority request. I have waited nearly a year for them to provide me with this information regarding my qualifying payments. I would like them to send me this information for each year the number of qualifying payments I have made.
I have a collections account on my credit report that doesn't belong to me. I live in my mothers house and we have had XXXX XXXX XXXX basic cable for 22 years so I don't understand how all of a sudden I have a XXXX that I owe.
I have informed Alpha Recovery Corp that this debt does not belong to me via letter and dispute. I continue to get calls and mail about this debt. I have asked them to verify the unknown debt and they have not. I am on social security and can pay I debt that is not mine.
I paid this bill back in 2014 with original company. I do know who this Real Time Solution company is and they have called my phone from different numbers saying horrifying things to me. Their claiming I owe them {$2600.00}. I asked for validation and I have not received anything from them. 
Please help me.
I have been trying to satisfy a collectio n with Fox Collection company for {$91.00}. This collection was originally a bill from a   XXXX   office, that I did n't know existed. The  XXXX  office may have tried to send me a letter, but I had moved houses and never r eceived anything. No further attempt was made to me, nor did I realize I owed any money. Now the Fox Collection Center in Tennessee owns my {$91.00} debt from  XXXX /2015. I found out about this collection when a mortgage company ran my credit. Because it was medical related, I was told by the mortgag e company that I did n't have to pay this prior to closing, but it may be be wise to look into it further and try to have it deleted. I called Fox Collection Center, and they told me that they do not have a company po licy to delete collections if they are paid. Based on my research online, if the collection is not deleted, that the updated, paid, collection will actually bring down my score. I find it very frustrating that they are not willing to help me settle my debt for a {$91.00}   XXXX    bill I knew nothing about. Personally, I find it criminal for a collection company to do something like this. I have read a lot of reviews about this company on google and yelp, there seems to be more frustrated people besides myself. That 's why I 'm posting a compliant to you, the CFPB. Please help me understand if they are allowed to keep this collection on my account to hold againist me for future purchases, or if I should be allowed to have it deleted.     Thank you
Some unknown person used my credit card information for car service without my knowledge or permission. At the time the charges supposedly took place, I had no car and did not have driving privileges.
I applied at sears for a credit card as part of a purchase. I applied on site and provided my ID as part of the process. I was told my application was approved and I completed the sale, with the card to be sent to my home later. I received a bill for the transaction as anticipated, and attempted to pay the bill under my name XXXX XXXX XXXX in a payment from my XXXX XXXX personal account. The payment was initially created, and then rejected by XXXX XXXX as fraudulent based on BSA-AML guidelines as the account for the sears card at Citibank had been opened under XXXX XXXX XXXX. The XXXX XXXX  payment was denied by XXXX XXXX. I contacted sears and Citibank and was told this was their mistake on the card and it would be corrected. They called back and told me they would not change the name without my applying for a name change. Their actions have now created a ficticious name in my credit report under XXXX XXXX XXXX, which is not my name or tied to anything prior. This opens me to fraud under this name creating an undue risk. They refuse to change the name and threaten me at this time based on the payment ( XXXX XXXX ). They need to close the account under the wrong name, open a new account and provide notice to the credit bureaus to remove this ficticious name from my credit report. This will allow me to pay the bill through XXXX XXXX as prior attempted. They need to be corrected for the KYC and CIP violation in using a wrong name to open an account that does not match SSN or DOB for me.
I purchased a car in 2000 and it got repossed by Credit Acceptance Corporation XXXX MI.This company waited 16 years later to take me to court and got a default judgement against me.I was unaware of any court date because the company sent all my stuff to the adress from 16 years ago.iI got a call from my bank saying my account was frozen so I called the number and it was Credit Acceptance lawyers telling me I owed XXXX on a XXXX dollar car the rest of the money she said was interest and late fees and it was still incurring.I did a little research and found that car loans in the state of Michigan have a statue of limitations which is 6years.I am low income.I ideel like I 've been a victim of this company illegal actions.Im also unaware of the fact of they repossed the car and probably sold it at auction.Then I suppose to only be responsible for the balanc.This company lawyers are telling me theirs nothing I can do but pay XXXX
OnXX/XX/XXXX, I petitioned the court to include my Student loan in my chapter XXXX bankruptcy. It was approved and my bankruptcy was discharged. This account should be closed and has been closed since XXXX
I went to the hospital in 2010 when I XXXX in a four wheeler accident. I had XXXX taken and was told it didnt seem too bad as I looked at the XXXX with the nurse. The doctor decided XXXX would be a good idea. I made the decision to not have the XXXX considering I had no health insurance at the time. When I was explaining that I would not need the XXXX, the staff and my father decided to persuade me to have the procedure. At the time they were giving the best help possible. I informed the staff and my father that I would be leaving without XXXX, and at this time they decided to hook me up to XXXX XXXX to prepare me for the XXXX. When the staff left I looked at my father and told him I am leaving, and now I 'm being billed not only for the x rays but also the XXXX XXXX which were hooked up after I tried explaining that I was not having the XXXX. I removed the XXXX and left the hospital.
Transunion will no longer allow me to file online disputes or see my credit report online. They say investigations must be done manually. They are punishing me because they have made so many mistakes. They continue to release my credit report to fraudulent individuals. Here are the illegal inquiries as follows : XXXX delaware XXXX, XXXX XXXX, & XXXX XXXX
PayPal credit also known as bill me later failed to follow company procedures per their own terms of use when processing XXXX returned items. The failure to promptly apply the credit back to the paypal credit balance, instead of issuing a credit directly back to the PayPal account & removing the transactions that had promotional deferred interest attached they issued a general credit to my regular paypal account past the promotional expiration date. They failed to ever place the amount on hold for investigation as well, after I opened a dispute per the terms of use in XXXX when the transactions and Returned items still had not been refunded. To date i have an accumulated interest amount of XXXX and increasing because of the shear stupidity and inability of any of the customer service representatives to grasp the basic concept of how interest charges accumulated erroneously. They have issued a credit for the deferred interest amount that was initially added to theprincipal balance but that has done nothing to rectify the account errors. My perfect payment history and proper allocation of funds will show the account bearing no interest once the account is audited back dated to XXXX/XXXX/2013 when this entire nightmere began. All phone calls and conversations are documented for my personal references regarding this matter. I record all phone calls with all businesses that I interact with in an unbiased fact of the matter reference without prejudice for my own safety and quality assurance. XXXX amendment grants me the right to bear arms without infringement. The recordings serve as a form of armor to ensure integrity in all of my business dealings.
There is an open account on my credit that is not my responsibility, if there is strong belief that it is my debt then i would like all paperworking providing information that it is in fact my responsibility.
On  XXXX / XXXX / 17  I activated the mobile application "  XXXX  '' on my cellphone, in order to use this app it requires information from my Bank Of America checking account to be released. It is now  XXXX / XXXX / 17  and Bank of America has not cooperated with my request to release the information to "  XXXX  ''.
I have disputed the late payments on this XXXX XXXX XXXX account for months. XXXX and XXXX   have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was  received by XXXX XXXX  on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX  on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
XXXX XXXX XXXX XXXX XXXXXXXX XXXX One opened on XX/XX/XXXX and another on XX/XX/XXXX both in the amounts of {$570.00}. 



XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX : {$570.00} XX/XX/XXXX : {$570.00} XX/XX/XXXX : {$300.00} XX/XX/XXXX : {$570.00} XX/XX/XXXX : {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX in the amount of {$620.00}