WillisBack/dataset-financial-user-claim huggingface dataset:
My mother who has been diagnosed with XXXX XXXX designated me as her power of attorney for financial transactions. After Hurricane Harvey, she received {$11000.00} from FEMA for her flood damaged home. Having had access to her accounts for the last 10 years, on XX/XX/XXXX, I transferred the FEMA funds to my account and then to her bank account at a Credit Union to be saved towards the repairs on her home. I made 5 transfers over the course of 3 days to move the funds. On XX/XX/XXXX, my mother went to the credit union and withdrew the FEMA money in cash. 

On XX/XX/XXXX, someone unbeknown to me, took my mother to the bank and she told the banker that I beat her up and stole her FEMA money. This banker, called the police and Adult Protective Services on me. Wells Fargo then proceeded to put a freeze on my accounts and debited {$11000.00} from my Wells Fargo Account. I was not notified of this action or given an opportunity to present documentation that would support the fact that I had the authority to do so despite numerous attempts to inquire. Even the police department was aware of my mother 's numerous claims that someone was stealing her stuff despite no evidence to support the accusations. 

I was treated like a criminal who was guilty before proven innocent. Wells Fargo made me wait 10 business days before they told me that the claim was found in favor of the claimant and that I would have to open new accounts to regain access to my remaining funds. I proceeded to close my accounts because I do not want to do business with a bank who took my money unfairly, charged me overdraft fees and didn't allow me an opportunity to prove my innocence. 

Essentially they gave my mother twice the money she was due because their researchers only took the claims at face value without truly completing a proper investigation.
In the month of XX/XX/2018, I had the means to pay off a car loan that was past due. Due to my ex-wife not sending in her payments on time, the XXXX XXXX XXXX was approaching repossession status by the time I was finally able to get it back from her after our divorce. Once in my possession, I gave Capital one auto customer service a call. I informed them of the matter and that I was willing to pay the auto loan off in full in hopes of getting my credit score back on track due to the two-plus years of late payments that my ex-wife was responsible for. The customer service agent informed me that correcting those late payments would not be an issue and that all was needed was the payment in full. I agreed to pay the remaining balance in full early for the agreement. Between the dates of XX/XX/2018 and XX/XX/2018 I paid a total of {$8700.00} in hopes of correcting the issues at hand. Once the payments were  processed and were official, I called capital one auto once again to get information on when my title would be mailed off and also the status of the correcting late payments. I was told by multiple customer service reps that, that was an issue I would have to take up with the reporting credit bureaus. On XX/XX/2018 I sent off goodwill letters via USPS to Capital one auto finance department and also the reporting credit bureaus. Also on XX/XX/XXXX, XXXX and also XX/XX/XXXX, I emailed capital one about the matter. I received a call from capital one auto on the morning of XX/XX/XXXX informing me that they would not remove or update the late payments as paid on time. I have not heard anything as of yet from the reporting bureaus regarding the matter.
A few months ago I created an account on the XXXX XXXX website out of curiosity. Since I 've never had a credit card, the site displayed no credit history. To my surprise, I was then informed of my responsibility to pay an open collection of {$340.00}. There is also a closed collection that I never knew about, or closed for that matter. I recognize the name of the creditor, as he treated me when I was XXXX. At that point in time, I was completely XXXX. However, I was never made aware of this debt until viewing my credit report for the very first time. This egregious manner of handling an unpaid bill is downright unfair. Thankfully, I am now a healthy and proactive individual that would like to get his life truly started. I would like to have my first credit card, but I can not acquire anything but a secured credit card with my " collections '' on record. I have no problem when it comes to paying a bill, I 'd just like to be notified when a balance is due. It bears repeating that the manner in which I acquired this debt is nothing short of insidious.
I am writing to dispute the following information reported by PennyMac on my XXXX  credit report ; 1. The Condition of the account is Open, not Derogatory.

2. The Status of the account is OK, not on a Payment Plan.

3. My Chapter XXXX bankruptcy was Discharged on XX/XX/2016 
4. The current balance of the account is {$320000.00} Enclosed you will find copies of documents supporting my contention. Please investigate this matter and correct the disputed items to reflect the true standing of my credit. I further request a written response within 30 days.
I have contacted Portfolio Recovery directly and through the credit bureau 's as well. I have asked this collection company to remove this false negative account from my credit file and or show just cause of any accuracy for reporting. To this date I have yet seen any documentation bearing my signature and or showing that I have a legal binding contractual obligation to pay said debt. I am requesting that this negative information be removed from my credit file immediately as this is hurting my credit worthiness. 


I have maintained copies of these notarized letters and dates. 

Thank you for your help.
XX/XX/XXXX I received a letter in the mail stating I owe XXXX for an apartment I never even applied for let alone stayed in! I call the apartment complex and I was told I moved into the apartment XX/XX/XXXX which is impossible bc I brought a house XXXX 2017. Into further investigation someone stole my identity and I was able to get information for the person who stole my identity they actually work for a apartment screening company and Ive only applied to one apartment since living here in Ga. I believe that is the person who stole my identity. The apartment complex who say I owe the only too said they can not release personally information since I showed them it wasnt me! They do not verify ur rental history or verify your job at the apartment complex all they ask for is id and recent check stubs!
When I first graduated from XXXX XXXX XXXX XXXX in XX/XX/2015, I applied for the Get On Your Feet NYS Program. In order to qualify, your salary has to be under {$50000.00} a year. I met all other criteria by going to high school and college in NYS and graduated within two years. 

Navient was reporting to the NYS Get On Your Feet Program that I made double the salary I actually do so that I would not qualify. When I called several times to speak with Navient they always denied that they told NYS incorrect information. 

I am now a few years out of school and feel I lost thousands of dollars I could have saved if Navient told NYS Program my correct salary. 

I have attatched the email from NYS program where it stated I made {$80000.00}.
CAPITAL ONE BANK USA ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX Address : XXXX XXXX XXXX, XXXX, VA XXXX Phone:XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you CAPITAL ONE BANK USA or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CAPITAL ONE BANK USA or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
I have a secured card from capital one bank and when I signed up it had an annual fee attached to it. Now on the capital one website it says there is no annual fee for the secured card that I have. They are still charging me an annual fee even though they no longer do for that card according to their website. They would n't budge on the issue when I called even though they 're offering the no annual fee on new cards. I am being overcharged for the service that they now provide with no fee.
This is a complaint on my XXXX XXXX XXXX which was paid off in XXXX.A judgment was issued back in XXXX with XXXX XXXX Bank stating the sum of {$6700.00}, with interest thereon at 20.99 percent per annum in the amount of {$3000.00}, plus attorney fees, plus special process server fees, making a total of {$9900.00} with payments starting XXXX XXXX. All payments were made through ACH from my bank account totaling {$7500.00} from XXXX/XXXX/XXXX through XXXX, then additionally {$1800.00} through garnishment XXXX thru XXXX which total {$9300.00} which was paid, then when the last garnishment payment was made in XXXX the Attorney that handled this case no longer ACH nor garninshed nothing from my account at all, she was not never heard from. Then come XXXX, that 's when XXXX XXXX ( as Assignee of XXXX XXXXXXXX XXXX ) came at me stating I owe {$18000.00} for the same judgment and been garnishing my checks since XXXX XXXX XXXX which total {$7900.00} more that was token from me. Then after the end of XXXX nothing was token, I thought it was over and finished because nothing was done in XXXX thru XXXX, but come XXXX XXXX XXXX XXXX came back stating I owe {$18000.00} and started garnishment my account again which started XXXX XXXX to present another {$2200.00} dollars has been token from me. So actually I then paid out over {$20000.00} dollars and they not stopping. I just want this to end because like I said this car been paid off. Even through XXXX is on the judgement XXXX XXXX XXXX is the creditor now collecting from me. I have all Statement, proof of garnishments payment, Itemized categories, notes and emails, and ect showing reasonable doudt.
The burden of proof is on XXXX, Transunion, and XXXX not the consumer. I am tired of this cat and mouse game with these CRA 's. I have sent a METHOD OF VERIFICATION letter to XXXX, Transunion, and XXXX did not verify the two collection accounts on my credit. XXXX XXXX and XXXX XXXX are not my accounts they are fraudulent accounts/not mine. XXXX, Transunion, and XXXX are not allowed to tell me you will not reinvestigate a dispute according to FCRA 611 ( a ) ( 7 ). I sent a method of verification to XXXX, Transunion, and XXXX and I sent a validation letter to the collection agencies. Neither collection agency validated the accounts so therefore I know for a fact you did not verify these accounts. You also reinserted the accounts without verifying nor validating and that 's against the law. I have not given any third party collection agency permission to share any information if the accounts were valid. I will be sending a certified letter to the CEO of all CRA 's concerning this ongoing problem and I will be starting legal action against XXXX, Transunion and XXXX. XXXX is not a valid form of verification. These accounts do not belong to me and I want them removed immediately.
I previously filed a complaint against ATG Credit for not willing to get a corrected amount for a loan they were collecting on. They responded to the complaint that they would find the correct amount and bill me appropriately. It has been 4 months and they still have n't contacted me. When I try to call them, they look up my account number and put me on hold for over a half an hour each time and no one ever picks up. I have even emailed them and receive no response. They believe I am not aware that there are XXXX separate loans but I am and have been paying towards them XXXX for several years. They are trying to charge me the initial amount that the loans were first taken out for and not the balance i owe now.
The terms of my Chase Private Student Loan were not explained thoroughly, and I was not informed there was a default repayment date set, even though I was enrolled in school. While trying to maintain monthly payments, my private student loan went into collections, and then without warning or notice went into default. I am a student at XXXX XXXX XXXX in XXXX, CA.
In the past 12 months and as recent as XX/XX/XXXX ; I have disputed a Tax Lien with TransUnion many times. After several disputes, they continue to report, even though courts do not report, or validate any type of record/ Lien . I have personally got in touch with " The Register of Deeds '' here in XXXX, Ma, and they have told me that they do n't report or validate anything with The credit bureaus. So with that I asked TransUnion many times where there getting their information from, because its not from the source. I do n't have any tax Liens nor am i in debt ; XXXX removed this mark due to it not being correct.
I submitted a short sale package to Suntrust bank on XXXX XXXX, 2016. I have complied with all their requests in a timely manner to submit supporting documentation as of XXXX XXXX, XXXX, Suntrust continues to request a seller disclosure form which has been provided on XXXX XXXX, XXXX XXXX, and XXXX XXXX. Each time i call they say that it is incorrect or missing data. I email it to a representative they review and confirm it is correct and that it will be forwarded to imaging department. I call again, and go through the same process and have lost almost a month and file has not been sent to negotiation and have a lost a month in this process because of their incompetence. This file is in foreclosure status w/o a sale date, the buyer is approved, and will most likely lose him because of suntrust delay in properly reviewing document submissions.
Capitol One Credit Card Company refuses to honor my letter of credit to discharge the debt! Thus violating Public Law. The last supervisor that I spoke to in regards this matter was XXXX XXXX ID : XXXX in the Executive Resolution Department XXXX Pin : XXXX
Summary of DisputeNationstar Mortgage reported me XXXX days late for my XXXX XXXX payment. I disputed this with them for roughly a year, back and forth, including multiple complaints to the CFPB, XXXX, Congress, and the TX state Attorney General 's office. Ultimately, I received a written letter promising they would remove the negative mark. I verified they did this in XXXX of XXXX ; however, they began reporting XXXX XXXX being XXXX days late again starting in XX/XX/XXXX/XX/XX/XXXX. I requested they fix their error and forwarded them their letter indicating they would remove the mark. They instead sent me a different letter stating they would no longer correct it. 

Necessary ResolutionBased on the letter I received, they have stated in writing they would reverse the negative mark, I am requesting the XXXX day late payment from XXXX XXXX be stricken from my credit history. I have provided the letter they sent me promising to correct the negative mark as additional evidence for my dispute and resolution.
XXXX client, XXXX XXXX is a victim of identity theft. He was notified by your Chase bank of a fraudulent application submitted with his information without his consent for a Chase/XXXX account. An inquiry was made into his XXXX and XXXX credit report ( s ) XX/XX/2018 related to that application. An official dispute of this was mailed to Chase/XXXX   XX/XX/2018 ; as of this date Chase/XXXX  has not provided an update to the investigation of this issue which is a violation of the FCRA.
I initiated opening a checking account with HSBC on XX/XX/2018 through their website, which offered a {$200.00} bonus if I deposited {$1500.00} and maintained that balance for 90 days. The account was officially opened as of XX/XX/2018, and the {$1500.00} balance was credited to the account on XX/XX/2018. The {$1500.00} balance still remains in the account to date. They are refusing to pay me the bonus as offered on their website.
I 'm returning because I continue to have issues with my lender, my tracking number was XXXX In XX/XX/XXXX on my account statement shows activity for reversal payment which has not happen thus far, approximately XXXX In XX/XX/XXXX I Paid and escrow bill {$30.00} dollars, I 'm unable to denote the actual amount that went on my escrow, I have made every attempt to keep this account in good standing, Seterus is making this very difficult.XX/XX/XXXX Seterus states my payment will increase! 
I can not afford a lawyer, I feel that I truly need one, hopefully someone will hear my plea and help me, My previous request for help ended very minimal and my back remain against the wall, I am asking to have my account audit to make sure my principle is as stated I 'm requesting acceptance of my deferred taxes from XXXX county [ I have the affidavit ] and the escrow account be closed, with all monies in the account go toward my principle I 'm requesting that the reversal of XXXX XXXX be applied to my account I 'm requesting that revision of my payment schedule to only include principle and interest
Trans Union has XXXX incorrect addresses. 
XXXX XXXX, XXXX XXXX I never lived at or used this address for mail. It is the address of my BROTHER-IN-LAW 'S EX-WIFE. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX This address must have a " XXXX '' before the house number, XXXX XXXX XXXX XXXX. 
That is all thank you.
XX/XX/XXXX I pull my credit report I notice several things that did not belong to me. I reach out to the companies by mail some of the items were removed and some where not. I have submitted to XXXX over and over over again to remove the inquires and accounts that are not mines. Along with please removed the double account. XXXX say they investigate the issue they do not I know this because I disputed XXXX account that was not mines and the company removed it. Before I disputed with the original company I tried with XXXX and they sent me a letter telling me this was my account when indeed it was not. Also XXXX have my credit profile with double accounts XXXX listed a bill for for XXXX dollars 3 times - XXXX XXXX has listed a bill for 2 times for XXXX dollars. XXXX listed a bill for XXXX once all is showing this was open in 2015. XXXX has list XXXX bills for XXXX and XXXX bills for XXXX listed 2 times. Syndicated collection I disputed with them a few years back and they fail to investigate and respond to consumers to within the XXXX timeframe. I wrote them again in XXXX 2015 they could not even validate they just send a letter back to me. Also under XXXX XXXX XXXX the collection company have listed XXXX 3 times and XXXX 3 times and XXXX 2 times and I reach out to them and these debts they are not showing me in the information they mail me. Also XXXX has XXXX accounts listed in open collections. XXXX XXXX - Net Pay advance is listed as open when indeed XXXX XXXX sent me a letter back in XX/XX/XXXX or XX/XX/XXXX where they could not validate this to be mines and the letter states they would close this account - I sent the letter to XXXX twice I just sent the letter again on XX/XX/XXXX I sent the letter to Transunion and they did close the account. XXXX has XXXX open collections on my credit profile and my credit score of XXXX. Transunion has XXXX open collection with a credit score of XXXX I still show XXXX XXXX on my profile just not close. I have also request by writing to Transunion and XXXX to remove the dispute status off each account I disputed and they did not properly investigate and remove this never happen. Transunion is totaling to show XXXX and XXXX shows XXXX in debt. I also will like to file a complaint against the collection company that has double jeopardy this has ruin my life. I can fax you letters and any proof needed. I did not want to go this far in filing this. However each and every one of the Credit Bureaus list what they want to and do not investigate anything. And XXXX I seen so much on that report I never even seen before and so any inquires. I have sent a police report showing that my computer was hack a few years back and the hacker got all my store personal information and still these credit bureau companies will not help. And these collection companies are double jeopardy me they keep listing the same account can be reach at XXXX. I can not attach my proof I 'm currently at work If you have a fax number or email I would love to send you the information. 


Thank YouXXXX XXXX XXXX XXXX XXXX, Texas XXXXXXXXXXXX
I bank with XXXX XXXX XXXX in XXXX California. I recently took out a loan with Speedy Cash. I sent an email to Speedy Cash on XXXX XXXX, 2015 requesting that they stop all ACH withdrawals immediately. They ignored that request and debited my account for {$250.00}. I was in the process of making small weekly or bi-weekly payments to them. I had even spoke to them on the phone. They had agreed to stop ACH withdrawals and then went ahead and did. It is my understanding that once a request is made to end ACH withdrawals, a lender must comply with that request.
My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and they have verified it. The accounts were not reported correctly and I would like it fixed. Please CFPB step up and correct the status because I was never late on my XXXX XXXX, XXXX   XXXX
My Name is XXXX XXXX address is XXXX XXXX XXXX XXXX pa XXXX phone is XXXX the compiaint is with Key Bank they left me open a checking account i had to pay deposit to open them they sent me XXXX XXXX in the mail after account was open for maybe a week they put a block on my account and they told me they were not going to remove this block i set up this account to make deposits in and out of this account they charged me money to open a checking account also a hassle free account they told me that i am not going to even be able to use my account or My XXXX XXXX they told me that the block is from fraudlent activity but no one has my banking account info so i cant use my accounts at all i spoke to someone higher up from company and they told me the same thing they told me to go to a branch and that is like a little over a hour from were i live but i dont drive so I am very dissappointed in this company right now because i put money into my accounts i would like this issue to be resolved They also game me a phone number to call XXXX they said because of fraudlent activity and i am the only one that has my acconut info i told them that someone else had it because i did not under stand the question they also have both accounts blocked i would like them to remove the block were i can make transfers and deposits the first one was a hassle free account XXXX the second one was XXXX i hope you can resovle this issue were i can you my accounts if not they need to refund my money that i had to pay to open these accounts thank you XXXX XXXX