WillisBack/dataset-financial-user-claim huggingface dataset:
I am the XXXX of XXXX XXXX XXXX XXXX XXXX XXXX We issued a check of {$6600.00} to our insurance company but the check was lost in mail and been forged and withdrawn. I went to my bank, East West Bank, to discuss the issues and complain why they released the fund without any endorsement on the back of check. The branch manager said that is the bank standard procedure and advised me to file police report and bank 's own form and promising me they will refund to us within 2 to 3 month. Since the last letter from East West bank confirming the case filed, we have n't heard any thing from bank. Until today, X/XX/18, we called bank to update to status, the bank manager told us the other bank, the depository of check, denied to refund anything. Please advise what will be the next proper procedure to continue. Thanks.
I was looking at different autos for sale. I inquired if one was for sale at XXXX XXXX XXXX XXXX NC. XXXX XXXX I checked my credit score few days later and saw that a hard inquiry had been done to my credit. I called XXXX ford and asked them why they did that without permission. They told me that they had not done any inquiry. Then they proceeded to send me a dozen emails about the truck I asked about. I have contacted every credit agency possible. I have been told that unless XXXX XXXX sends the agencies a letter saying I did n't allow them to do the hard credit inquiry I can not get it off my record. I never authorized this. No one will help me. Now my credit score has dropped 50 points. I do n't understand why I 'm being penalized for this fraudulent activity. I do n't know what to do now.
I 've disputed this for 8 months now and am getting nowhere. I am going to be contacting a lawyer this month if this is not removed from my credit report within 15 days and then Experian will need to come up with all of this documentation during the discovery process. There are 3 accounts reporting that are incorrect and must be removed immediately. This is my 2nd complaint against Experian and nothing was done to assist me by the Consumer Financial Protection Bureau ( I would make a complaint against you guys if I could! ) or Experian. No one is holding Experian accountable for their extreme abuse of power and something has to be done about this immediately. XXXX XXXX XXXX XXXX XXXX, XXXX These 3 accounts are the result of identity theft and I did not at any time apply for, use, obtain or authorize these accounts. I have already explained to the credit bureaus what happened and that another person with the same name was given all my information by an employer that we both worked for and he opened multiple accounts, obtained vehicles and even went to jail with my information! Section 609 protects me against false reporting by the credit bureaus and therefore, you must send me the actual paperwork that was filled out when this account was opened or they need to be removed.
Section 605B protects me against identity theft. Send me the paperwork that was filled out when these accounts were opened including my original signature and copies of the identification provided. If you do not have this paperwork ( which you do not have and can not obtain ) then you must remove these items Section 1681 protects me against inaccurate and incomplete reporting as well as false reporting by the credit bureaus which is why all investigations must take place to ensure that there are accurate and complete accounts on my credit file # 1 XXXX XXXX XXXX XXXX account # XXXX You are in violation of all sections listed above. Send me the documentation that proves that I ever occurred these charges or applied for this account. In addition, you have 2 years of late payments after the account was closed. That makes no sense and is not even possible. # 2 XXXX XXXX account # XXXX & XXXX You are in violation of all sections listed above. Send me the paperwork that was filled out including my original signature or remove this immediately. I did not apply for or open this account. Also send me the handwriting analysis that you performed.
I applied for credit at CONN 'S XXXX in XXXX 2015 My Name is XXXX XXXX XXXX, They put the credit in my former name XXXX XXXX, credit I had with them 15 years ago and paid it off. I have new credit with them and they are harassing me calling more 10 times a day because of late payment due on the XXXX of each month I am only 3 days late, they call before due date and after saying friendly reminder, I am a XXXX XXXX XXXX woman and this raises my XXXX, I told them that I will pay my bill on the days that I get my money, they still call like crazy XXXX. all day.What can I do to stop from calling me everyday
Medical Data Systems Inc. I sent out a letter to this company for Validation of a debt from XXXX XXXX 2013. I received a debt verification and nothing with my signature on it giving them permission to my medical records. They sent the procedures and outcomes claiming it as a itemized bill, which violates my hippa rights. They claim the hospital gave them rights to collect the debt, but I havent agreed to such action.
Capital One Bank close my money market account on XXXX/XXXX/XXXX, I advised them that I was dealing with fraud back in XXXX XXXX. I was advised not to open any more accounts until the fraud matter was resolved. No one sent me anything showing how many times I withdrew my account. I paid bills out of this account because I do not have a choice, I wish they would give me two weeks to make arrangments because my school tuition of {$110.00} was sent back and now the school will charge me a later fee of {$25.00} because it was due by the XXXX to avoid the fee. I had this account for over 10 years and now the account is closed. I do not have access to my money now because the account is closed and I have to wait on my check. The amount was {$180.00} minus the {$110.00} would have left me {$78.00} now I am being a {$25.00} fee because the account is closed, that fee should be waived because Capitol One chose to close my account. I opened a Capitol One 360 but I am unable to put any money in it right now, I was told it was due to Regulation D but it I also talked with an attorney and he advised that Capitol One could have given me more time before closing the account. Now my direct deposit is delayed and other bills will be late getting paid. I want my account reopened due to the way Capitol One conducted business with me. Capitol One should have did a better job of explaining it, I opened this account over 10 years ago and did not have issues until XXXX, the statement only times you what you withdrew but they do not say that you went over or anything.
I requested and was granted a mortgage modification on 2010 by GMAC mortgage ( now being handled by Ocwen Loan Servicing XXXX. I have been in the past 3 months trying to have them forgive part of my deferred principal. I have sent them letters and to no avail. I believe I was a victim of mortgage fraud when I refinance my mortgage and they have sent me a letter that I am eligible for principal reduction but not on my deferred princepal. I am confused.
I have XXXX credit cards with Capital One. I do n't have cards for either account and Capital One ca n't seem to issue me any when I request them. For almost a year they have n't been able to tell me why they ca n't issue new cards. They also ca n't tell me what 's wrong with my online banking account. When I log in it shows that I owe a large balance on both cards, but both cards have XXXX balances. When I call them on the phone ( I have to call to make payments ) they say I have a XXXX balance. But when my statements come in the mail they show me owing a balance. I asked them to send me a letter confirming the XXXX balance on the cards. The letters, cards and other correspondence they promise to send never arrives. One CS rep told me my account somehow got mixed up with another customer, but no one, not even the managers, seem to know what 's going on. I wrote them and they said they were going to close the accounts. I 'm uncomfortable with them closing the accounts until this situation is sorted out as it may reflect badly on my credit report. I hope to purchase a house this summer so it 's important that I get resolution to this situation as soon as possible.
On XXXX XXXX, 2016, a criminal hacked my account and charged {$790.00} to my checking account. I immediately noticed that same day because it put my account in the negative and I got an alert stating that I was in the negative. So, I immediately called Chase Bank and made them aware of the fraudulent activity. They told me to stay calm and that they were going to open a claim for me and that everything was going to be fine. They credited back the {$790.00} to my account and told me they were going to investigate. I followed up with them the next day once I saw that they let the charge go through on my account. It was only pending the previous day and I did n't understand why they would n't red flag that transaction and reach out to XXXX right away, but they told me this was apart of the process so I just waited. I called back over the next to two months for updates and was told nothing. Every time I called they would tell me there was nothing in the notes, so they could n't tell me the status of the investigation. All of a sudden, tonight around XXXX on XXXX XXXX I get an email saying that they finished the investigation and the charges are correct and they 're taking back the money they credited back to my account. I do n't understand what happened here. Literally, they let someone steal almost {$800.00} out of my account and did n't even fully investigate because I never made those charges. It 's not even like me to make charges that big. Why could n't they just look up where the stuff was delivered to and catch whoever did this to me. I just got screwed by XXXX and my own bank. I do n't know what to do. Please help.
XXXX XXXX of Delaware solutions contacted a family member and gave out my personal information, that has caused hardship with my family. Is this a violation of privacy and is there any recourse?
I was misled by this company ( Performance Settlement ) and cancelled my debt consolidation program on XX/XX/2018 since I was not being informed of my debt status or any details on my account after requesting updates. Was promised full refund less {$55.00} processing fee. Never received after several inquiries and company could not verify amounts, only re-initiated the cancellation on XX/XX/XXXX and again on XX/XX/XXXX. Refund still not received so I disputed all 3 deductions from my XXXX XXXX bank account. My bank provided the provisional credits then ran the 3 amounts back through on XX/XX/XXXX and XXXX only notifying me of one of them. I received a check refund from the company for {$520.00} on XX/XX/XXXX but had paid them {$970.00}. No explanation on check stub or breakdown of where the additional refund may be and now company not returning my calls. My bank acct is overdrawn and states the disputes were reversed since company provided them the proof of agreement to pay. My bank was to mail me a copy of the dispute paperwork twice since XX/XX/XXXX and I still have not received it. Ive been scammed and can not re-dispute the charges of XXXX ( 3 times by ACH ) at my bank. I also incurred {$140.00} in bank fees for the 1st disputed payment and had to pay that back as well. Please help me make this right. I am owed {$440.00} from Performance Settlement less the {$55.00} fee which I also do not feel I should have to pay since their dishonesty and broken promises still are not resolved. Thank you.
AFNI has reaged my debt. It should be from XX/XX/XXXX and no longer on my report. They are reporting it new as of XX/XX/XXXX. I have disputed this with the credit bureaus and attempted to resolve with the creditor and they will not work with me.
I was affected by the data breach and I found out my social security number is listed on the black web. I have been working on correcting all inaccurate information on my credit report. On XX/XX/XXXX, I mailed a certified letter to all three credit bureaus. I included a copy of proof of residency, driver 's license and social security card. On XX/XX/XXXX, I have received notification from XXXX  my personal information will be updated to reflect my correct name, social security number, date of birth and current address. I have not received any information from XXXX. However, Experian dispute results report # XXXX for XX/XX/XXXX, I received of my credit report did not correct ALL of my personal information. Experian update ONE of the EIGHT addresses on my credit report. My credit report showed TEN variations of my name. On today, XX/XX/XXXX, I have mailed another certified letter to Experian. This time I had the letter notarized and I included a copy of XXXX updated credit report for XX/XX/XXXX, proof of residency, driver 's license and social security card. I have lived at my current address since XX/XX/XXXX. I am currently requesting is for Experian to remove all the other addresses and variations of my name off my report, as they are not deliverable to me by the United States Postal Service, since they are inaccurate and they are not reportable as per the Fair Credit Reporting Act - including but not limited to Section 611 ( a ) ( 1 ) ( A ). These credit bureaus are so quick to report negative information but updating and correcting inaccurate information is extremely hard to remedy. This is the second certified letter I have sent to Experian for the exact same issue. The first certified letter cost was {$3.00} and the second certified letter cost was {$4.00}. Not to mention the fact that I am paying for their XXXX  XXXX XXXX for {$24.00}. This is becoming very expensive to correct inaccurate information on my credit report. How will Experian be held accountable with the FCRA and CFPB?
As I gathered information to give to the STATE 'S ATTORNEY GENERAL. I did a search for ONLINE INFORMATION SERVICE license. I have found they are in direct violation of TENNESSEE FAIR DEBT COLLECTION PRACTICES AC T 62-20-101. ON LINE INFORMATION SERVICE does not have a license in the state of TENNESSEE. They can not collect on a debt. TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT  62-20-105 sta tes no person shall commence, conduct or operate any collection service business in this state unless such person holds a valid collection service license issued by the board under this chapter, or prior stat law. TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT  62-20-108 ( a ) ( 1 )  Every collection service shall have, for each location at which it conducts business a loc ation manager who  has submitted an application on a form prescribed by the board. TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT  62-20-123  states a willful violation of this chapter, or any rule lawfully promulgated thereunder, is a Class C misdemeanor. ONLINE INFORMATION SERVICE is in direct violation. This will be the last communication I send before sending my evidence to the STATE 'S ATTORNEY GENERAL OFFICE.
debt collector had bad debt report on my credit report first, then sent notification afterwards trying to settle, not giving myself the opportunity to dispute the validity of this bad debt. I was not given notice, this bad debt was filed and charged off in bankruptcy file # XXXX. I received notice XX/XX/XXXX the notice date is XX/XX/XXXX but was already reporting negative on my credit report, not giving myself the chance to explain why this debt was invalid.
Seneca Mortgage company called me and requested that I pay {$750.00} immediately or my mortgage would go into foreclosure. They said they forwarded letters to me but I did not receive them. I called them and they informed me that I was also over {$6200.00} short and that my mortgage would go up over {$3500.00} to {$4300.00}. I paid the requested amounts ( XXXX of 2015 ) but still wanted to know where the escrow shortage was. It appeared to me that I was paying off the flood and home insurance and hence requested that they remove the these amounts from the mortgage payments. They did not agree as I had signed for these payments to be calculated with the mortgage payments. I agreed but still did not understand the why there was such an escrow shortage. After multiple correspondence the last letter ( attached ) shows the only shortage was in the real estate taxes and that was only {$1700.00}. I have received no payments despite multiple requests to refund the overpayments. 
Also despite paying the said amount my mortgage still went up from {$3500.00} to {$3600.00} since XXXX 2015
For over six months I have been disputing a payment made to Nationstar mortgage co. from my XXXX XXXX XXXX XXXX bank account on XXXX XXXX, 2015. This dispute has been going on since XXXX and I 'm still trying to resolve this matter. I 've sent Nationstar multiple faxes to document the payment made on XXXX XXXX, but nothing I 've sent resolves this matter to my satisfaction. I have talked to multiple customer service agents, but no one has managed to fix this for me to date. I 've faxed Nationstar my bank account statements from XXXX & XXXX and, according to their records, a payment of {$1900.00} was transferred by my bank to Nationstar on XXXX XXXX which has yet to be acknowledged by Nationstar ( see attached pdf document ). I have furthermore e-mailed all the documents for Nationstar 's files so there is no dispute that I 've provided the company everything that they requested. 

Since XXXX my mortgage has become delinquent because they have not acknowledged my payment, thus I 've had to make additional payments to catch the account up. I 've received multiple assurances from the customer service department that this matter will be resolved, but no one has resolved it to date and I 'm out {$1900.00} plus late fees now ( over {$1500.00} by Nationstar 's accounting ). 

I am extremely disappointed in how Nationstar has handled this matter and I plan to follow-up with legal counsel to determine my options.
I paid on X/XX/2017 with my American Express for car rental in Amount {$720.00}. I used my American Express card because it has car insurance. About 3 weeks after I have return my car I had additional charge on my CC in amount {$250.00} from different company that I paid for car rental. It was probably subcontractor to original rental contract.

I have disputed this transaction and turned over to American Express Insurance for investigate. They investigated and sent me letter with information that I used XXXX XXXX  to pay for this rental, not American Express. I think it is fraud on American Express side since {$720.00} charge is shown on my statement and I have paid this charge.

American Express re-posted transaction in amount of {$250.00} on my statement. If this is true they should refund {$720.00} since they are saying that I did n't pay for my rental with American Express.

Regardless I should not spend 3 month disputing this charge
In CFPB Ref No : XXXX, Ref : XXXX, your company stated, quote : " We completed the account review on XXXX XXXX, XXXX. As of the date of this letter, you have XXXX XXXX available for redemption '' Unfortunately, the points are still not available for transfers and remain under review, despite what your letter said. 

Can you please double check as promised in your previous communication and remove the usage restrictions. 

I will remind you once again that this account is more than XXXX year old ( over 52 weeks ), and the terms and conditions do not allow for such a long review hold ( the terms and conditions talk about 8 - 12 weeks, while this account is over one year old ). If the terms and conditions talk about reviewing an account that is older than 52 weeks please point them out.
NELNET, former loan servicer, who transferred my student loan to XXXX XXXX before my loan entered repayment, i.e. no payment was ever owed NELNET ; no payment was ever made to NELNET. In clear violation of federal law expressly prohibiting duplicate reporting of loans ( including student loans ) within the borrower 's credit reports, NELNET continues to duplicate report ( same student loan for {$20000.00}, reported by XXXX XXXX, the current and only servicer to whom payments were owed ). NELNET 's per se unlawful explanation for NELNET 's continued unlawful duplicate student loan reporting is " loan history '' which argument is fictitious/illegal-self-serving because National Student Loan Data System, NSLDS, is the sole student loan system recognized as " authoritative '' for student loans history reporting. In fact, NELNET is merely actually using their unlawful student loan tradeline report for illegal monetary gain by sale of said unlawful tradeline. PRIOR NOTICE : XXXX has received numerous requests from me to permanently remove NELNET 's per se unlawful duplicate student loan report from my XXXX credit report ( hereby I incorporate my prior Consumer Financial Protection Bureau, CFPB report number XXXX dated XXXX XX/XX/2018 in full with all attachments by reference ). If XXXX does not promptly ( within 10 business days ) permanently remove NELNET 's per se unlawful NELNET duplicate student loan report report, I will have no further option but to bring both NELNET and XXXX  to federal district court to answer charges of unlawful fraudulent student loan reporting extortion. NELNET and XXXX  have received written notice numerous times without corrective deletion of said unlawful duplicate student loan report
I am a homeowner in New Jersey with a mortgage with Wells Fargo. In the state of NJ we have a tax credit program called the Homestead rebate act. It used to be, that this credit would be sent directly to the homeowner. Then it changed, the state of NJ would send one quarter taxes to the municipally where the homeowner lived as a credit towards the taxes they owed. ( Wells Fargo pays my taxes. ) So, If my quarterly taxes were {$1300.00}, and I received an applied credit from the state of NJ for {$520.00}, the difference of the taxes owed would be paid from Wells Fargo. That is all well and good, however, this amount of {$520.00} has been paid TWICE! Once by the state of NJ and once by me in my monthly mortgage amount. WHERE IS MY CREDIT? That credit from the state should have been deposited into my escrow account or sent to me, instead it was just deducted from the amount of quarterly taxes owed. Therefore, this amount has been paid twice. I paid the same amount of the mortgage every month with that money to pay quarterly, escrowed taxes. This has been going on ever since I have had the mortgage. Not only with me, but every one else that has a mortgage with Wells Fargo. I have tried numerous times to correct this with Wells Fargo, I have spent hours on the phone with them, trying to explain this credit, but they do n't seem to understand. I realize this is a unique credit program, but I have laid out the facts. I know people who have a mortgage with Wells Fargo and have the same problem with this tax credit. They are always saying they never get the credit. I Just figured they gave up trying. When I would call Wells Fargo they would tell me they had not yet done there escrow analyses, so I patiently waited. I would like my tax credit that is rightfully mine. I called the NJ DEPT OF TAXATION an they said they only send out the credits, they ca n't enforce anything, called also the Governor 's office, Dept of banking in NJ, and finally was led to your office. I have documentation that I sent several time to Wells Fargo, that is included.
I have asked National Credit System to validate a collection they are reporting on my credit reports on XX/XX/XXXX, XX/XX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.