WillisBack/dataset-financial-user-claim huggingface dataset:
Monday, XXXX XXXX, XXXX Honorable to FDIC officials : Please forward emergency requests to XXXX. Senators : URGENT EMERGENCY CONTACTS WITH XXXX XXXX XXXX XXXX AND XXXX XXXX : I write in complaint against Bank of America that discriminates against me with overdraft checking account. I am not happy with Bank of America that Bank of America made harmful discriminates against my XXXX and appearances in horrified addresses as they insult XXXX XXXX XXXX in ugliest appearances that Bank of America does not allow XXXX XXXX XXXX entered in their bank because of overdraft discrimination, so they insulted me in more overdraft discrimination. Again, I was not happy with Bank of America because of my overdraft history continually. I complain with overdraft records at Bank of America continually telling to XXXX Attorney assistance with XXXX XXXX XXXX in coping problems. 
Please assist me of XXXX XXXX in cope problem with Bank of America requests through male Attorney helping me with finding funds should go deposit cover up overdraft complaints to be requiring assistance XXXX XXXX XXXX along with Male Attorney in seriousness matters in law requests. 
In requiring law applies to XXXX XXXX XXXX must having a male attorney assistances with banking issues that I need helping requests with banking addresses in serious matters. Please requires applying to male attorney investigates on my bank account finds out overdraft records that they uses discriminates against me with XXXX as Bank of America does not like me having banking account because of overdraft periods. 
Please take this letter to Male Attorney requires taking me to investigates with Bank of America requests according to the law requirement to make deposit amount cover up overdraft fees. I do not have any extra money for deposit that I am having lot of stuck with no funds for deposit continually. 
I do n't like XXXX Apartments involved my political letters and stay away from XXXX Apartments that I do not like participate XXXX Apartments as I do not want reside at this bad housing at XXXX XXXX Apartments that they made me in baby diapers. They called me in sick and dumbest gentleman messages telling to XXXX. XXXX and XXXX XXXX. 

Please share with XXXX. XXXX and XXXX XXXX help me out with banking discrimination report to Male Attorney in XXXX XXXX deals with me in coping problems. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, OR XXXX
On XX/XX/XXXX, I received an email from Chase Bank notifying me that an unauthorized purchase with my Chase Credit Card was made at a XXXX XXXX Store ( # XXXX ) for the amount of {$1600.00} and {$2100.00} ( a total {$3800.00} ). Then and there I realized I have lost my Credit Card. 

I immediately denied making any purchase at any XXXX XXXX Store that day. I was later informed that Chase 's Fraud Department will investigate to determine the validity of the charges. 

On XX/XX/XXXX, I received a letter informing me that, after a " thorough '' investigation, Chase 's Fraud Department determined that the transactions were valid. Thereafter, I called and spoke with the representative who was in charge of investigating my case. I was informed that because my Credit Card has a chip, and that chip was used for the purchase, then necessarily I must have been the one to  make the purchase! 

Again, I told her I did not make the purchase. Someone who wrongfully took possession of my Credit Card used the card without my authorization, and in the process of said unauthorized use, he or she must have used the chip on the card to make the transactions. How that means that I must have been the one to make the purchases is completely without basis. 

I asked her whether or not she made any attempts to obtain the video surveillance at the XXXX XXXX store in question -- because certainly it will be unequivocal proof that the purchases were made by someone other than me. To which the representative responds that I am the one who is supposed to do so. 

Right after, I attempted to contact the XXXX XXXX store in question. I was told I needed to contact their corporate office 's fraud department, to which they transferred me to. The corporate office then told me that they can not release any videos without the order number of the purchases. Of course, I certainly don't have the order number -- I was not the one to make the purchase, and, therefore, I do not have the receipt or any information as to those purchases. In fact, it's clear that XXXX XXXX was in a better position to obtain the order number than I was -- after all, it's their store and they are the ones to keep records of transactions. 

It is clear Chase 's Fraud Department did not make the alleged " thorough '' investigation. It would appear that all the representative did was make sure that the Credit Card chip was used to make the purchase. This entire dispute revolves around the fact that someone else has possession of my card. He or she will and has undoubtedly used the Credit Card chip to make the purchase. Just because the transactions were made with the Credit Card chip in no way represents that it was made by me, especially given the circumstances that I did not have possession of the Credit Card. 

Now, in addition to this CFPB complaint, I am also filing a police report and a formal complaint with the FTC.
I sent a dispute letter to Equifax about a chapter XXXX bankruptcy on my credit report. They sent back a letter saying it was verified as accurate. I called XXXX XXXX XXXX XXXX AND XXXX XXXX, XXXX, AL AT PHONE NUMBER XXXX AND ASKED if EQUIFAX VERIFied A BANKRUPTCY THREW THEM AND THEY INFORMED ME THAT EQUIFAX DID NOT CALL THEM AND IF THEY DO NOT REPORT TO THE CREDIT BUREAUS and they did not give permission to any 3rd party company to release this inaccurate information and it need to be deleted. Equifax is not metro 2 compliant because it is inaccurate information on my report and I have attached a document showing this information. my attachment show Equifax listed a date filed as XX/XX/XXXX. theyl year is only XXXX so how did I file in XXXXthis shows they lied about this reporting and this incorrect reporting need to be deleted.
Transunion has had a glitc h ( or  XXXX  ), involving credit inquiries being removed from credit reports. I was affected by this glitch. I called Transunio n, they denied I was part of this. They asked me to send proof from  XXXX   XXXX , which I did. I included a  XXXX  page fax ( which cost me {$20.00 } ), and  called a few days later for a status update. They advised me that the glitch was from   XXXX   XXXX  , not the m ( w hich is incorrect ). It is illegal for them to remove information and re add it without the consumers knowledge ( which they d id ).  I call and get the run around, conflicting information and no solution.
On XX/XX/2018 while shopping at XXXX XXXX # XXXX in XXXX, Co, someone somehow charged {$270.00} to my Citi Master Card without my knowledge. My card was in my wallet in my pants pocket the whole time that my wife and I were in the store. On the same day my wife charged {$34.00} to her Citi card ( same number ) to pay for our purchases at the same store. When I received our credit card statement I reported the unauthorized charge to Citi and filed a dispute # XXXX. While talking with the City Security Dept. I was advised to submit a police report which I did on XX/XX/2018 Tracking # XXXX, Case # XXXX and a copy sent to Citi. On XX/XX/2018 I received a letter from the police Dept. stating that since the loss was less than {$2000.00} the case would not be investigated and was closed. I sent a copy of the letter to Citi. After further investigation Citi sent me a letter on XX/XX/2018 stating that I was responsible for the charge since their computers show that my card was physically swiped ( it was not! ) Somehow someone figured out a way to charge someone else 's credit card and fool the credit card companies computers into thinking that a card was physically swiped when it actually wasn't. When I called Citi I was given the impression that they thought that I was lying and that I had actually used my card or somehow forgot that I used it.
Received correspondence from Wells Fargo XXXX # XXXX XXXX XXXX  XXXX XXXX XXXX SD XXXX. The correspondence was addressed to XXXX XXXX XXXX with a mailing address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX. XXXX XXXX XXXX does not live at this address and has never lived at the address. He has never used this address as his mailing address. Contacted Wells Fargo customer service department on XX/XX/XXXX18 at XXXX XXXX and talked to XXXX XXXX. XXXX XXXX ask me what correspondence was in the envelope and I told him the envelops was not addressed to me and it would be a federal offense if I opened it. He than asked if I could see the correspondence through the envelope. Please review the tape recording of our conversation for details. I again informed XXXX XXXX that is was a Federal offense to open mail that was not address to me and that I was noting going to prison for an error Wells Fargo made. I than had a telephone conversation with XXXX XXXX and explained that I had received correspondence from Wells Fargo at my residence. PLEASE CALL ME ASAP AND SEND A LETTER TO XXXX XXXX AND TO MYSELF AND EXPLAIN WHY XXXX XXXX XXXX INFORMATION WAS SENT TO MY ADDRESS. XXXX XXXX DOES NOT LIVE AND HAS NEVER LIVED IN THE STATE OF ARIZONA. INFORM ME, STEP BY STEP HOW THIS HAPPENED AND WHAT YOU ARE PUTTING IN PLACE TO MAKE SURE THIS DOES NOT HAPPEN AGAIN. THIS IS NOT THE FIRST ERROR WELLS FARGO HAS MADE CONCERNING MY ACCOUNTS. AT ONE POINT WELLS FARGO REMOVED {$3000.00} FROM ONE OF MY ACCOUNTS WHICH I HAVE NOW CLOSED DUE TO THE ERROR AND PUT THE {$3000.00} IN SOMEONE ELSE 'S ACCOUNT. PLUS PUTTING SOMEONE ELSE 'S PAYROLL CHECK INTO MY CHECKING ACCOUNT AND NUMEROUS OTHER ERRORS.
XXXX XXXX Systems Accounts : XXXX, XXXX, XXXX, XXXX This collection agency took the original creditor XXXX Acct XXXX total {$1100.00} and reported XXXX separate collection record on my credit report resulting in Acct 's XXXX {$630.00} & XXXX {$490.00} Original creditor XXXX Acct XXXX total {$1500.00} and reported XXXX additional collection records on my credit report in Acct 's XXXX & XXXX In summary XXXX took XXXX original creditor accounts a generated a total of XXXX collection accounts on my credit report. 
I am requesting that all collection records from XXXX be deleted and prevented from reporting in the future to my credit. 

I feel that this information is not being reported correctly ; which is unfair and misleading
I have XXXX accounts on my credit report that is disputed with my credit dispute. I found many address on my account and several different names even a wrong social security number these accounts are n't recognized and standing in my way of getting my housing. 
these accounts are as stands XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of XXXX files on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of XXXX date opened XXXX. and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX balance of XXXX opened in XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX in the amount in XXXX date opened XXXX please help me I have disputed all of these with the credit bureau Please let me know what the next step would be.
Our loan was transferred to Nationstar from XXXX XXXX XXXX, Nationstar denied our loan modification because of XXXX reasons as my representative told me. 1. Negative NPV 2. due to our history when trying to obtain the previous modification ( with XXXX XXXX XXXX ) 3. we skipped a payment towards the end of our previous modification that was up late last year. 1A-Our NPV is negative and not passing mainly because Nationstar is not willing to extend the term of the loan, not willing to defer or forgive anyting. We owe over XXXX and the value of the property is XXXX. The only term they are entertaining is 234 months 2A-when we tried to get the previous modification, we were in review for a long time, IT IS NOT because we did n't want to make an affordable payment, it is because we were in a lonnnnnnnnnng review where documents went missing and got out dated and relationship managers kept getting changed. Additionally, while in review with XXXX XXXX XXXX, the loan got transferred. XXXX XXXX XXXX gave us the run around for years and would n't work with us. Nationstar gave us only one option, it was a 2 year Interest only loan which adjusted this year to Prinicpal and interest to 4.0 % principal and interest. We went from having a XXXX loan to around {$800000.00} loan, now ineligible for any government programs since our loan amount is over the XXXX threshold. Our payment has more than doubled, we are upside down, and nobody is willing to defer or forgive anything to help us. we know they do n't have to, but i ca n't help but feel whatever the lender is doing, or has been doing, is to collect fees, interest, until we hit the end. Why could n't they give us a step rate modification? or meet us in the middle somewhere? Instead we were given a modification that would XXXX, it now adjusts every month and we are over XXXX upside down. 3A- we did n't skip the payment, we did n't know what the payment was because we got several different mortgage statements with different payment amounts and it was not until the modification was over. There are phone records of these conversations when i called the bank regarding the statements and why they are all indicating different breakdowns, interest rates, and payment amount
My Name is XXXX XXXX XXXX XXXX I been resiving, Notification of my credit report About i quieries i dont recognized those inquieres, i dont apply for those account, or business, i contact both parties, they dont help Im trying to fix my credit and with this issued is goin to be a disaster, if this keep goin on, I only have XXXX credit card, no loans or nothing else i dont need no more credit, I have XXXX  XXXX, XXXX, XXXX 
No need more.. please Help me.. 
I think im victim of identity theft.
I tried to contact Equifax at the phone numbers they provided and they do n't work. This company should be investigated. Their web site also puts you in circles. Terrible company
There is an account being reported on 2 of my credit reports by XXXX XXXX XXXX. I contacted XXXX XXXX on XX/XX/, by telephone at XXXX and spoke with a customer service rep named XXXX XXXX. He advised that he didn't have any information matching my name, address or social security number and that he was going to submit an account resolution update to get the information stopped from being reported. I have sent a letter to the credit bureau requesting the information to be removed or updated certified letter return receipt XXXX. I have uploaded this letter as supporting documentation. To date, this account is still being reported on my credit reports.
It looks like my name and credit report is mixed in with another person of the same name. I am  XXXX   years old  and have no credit history at all. On my credit reports it shows i have a credit card and that I have reported  XXXX  as a place of residence, which I have never lived. It is causing me to be denied for secured credit cards to begin building my credit because nothing is matching up correctly with the information provided.
AMERICAN MEDICAL COLLECTIONS is saying I owe {$1600.00}. I am a XXXX XXXX, XXXX XXXX XXXX Veteran. All of my treatment is received at XXXX XXXX XXXX XXXX XXXX. Additionally, I have XXXX and XXXX XXXX XXXX XXXX. This company is harassing me
XXXX XXXX Bank home equity line provided the incorrect date of last payment. The date that they claim to be the last date of payment is XXXX XXXX. However, the last date of payment was actually XXXX XXXX. The date of last payment on the first mortgage was also XXXX XXXX. XXXX XXXX Bank is alleging that I continued to make payments after the final judgemnt of foreclosure on my first mortgage. The final judgement of foreclosure was XXXX XXXX, XXXX. My home was sold at auction on XXXX XXXX, XXXX. XXXX XXXX Bank was in second lein position as a home equity line. XXXX XXXX Bank has not provided any proof of their alleged date of last payment. I would like this case to be investigated and corrected. XXXX XXXX Bank has put a cloud on my credit and I am financially affected by their incorrect date.
I responded to a letter from XXXX XXXX XXXX regarding an alleged debt by sending them specific demands for legally required paperwork they MUST provide as per The Fair Debt Collection Practices Act. All they sent me back were statement copies. The Federal courts have already ruled that statement copies alone do not meet the standard for validation of a debt by a debt collector
On XXXX/XXXX/16 I leveraged US Bank 's website to re-order checks for my account. It sent me to an associated 3rd party vendor, which was authorized to print, mail, and charge for check orders. This 3rd party is called XXXX XXXX XXXX , XXXX. 
I went through their process to design and order my checks, in doing so I was provided information that illustrated that my order had a Discount. This discount matched the subtotal for my order through the process. At order confirmation, it was still illustrating to me that my Order Total was {$0.00}. As such, I thought I was ordering my checks and authorizing them to not charge me a fee, as that is what was presented. Then on XXXX/XXXX/16 I saw a " Check Printing Charge '' for {$54.00} taken from my account. On XXXX/XXXX/16, I filed a inquiry to XXXX to clarify what had happened and to ask for a refund. On XXXX/XXXX/16 I received this response : I 'm sorry if the fee was n't displayed before you submitted the order. I will certainly research if this is an issue on our end or deluxe. You may return the checks to your nearest branch at usbank.com/locations. In the future, you may call us anytime at XXXX to ensure there is n't a fee. 
I replied with attachments that illustrated " Discount '' and authorized total of {$0.00}. Then I received this response : Thank you for your reply. This why I suggested for you to visit the nearest branch, so you can return the checks and they 'll have the fee refunded to you. 
I do not understand why, if I was presented {$0.00} for my order, and that is what I authorized why I was billed {$54.00}. In addition, I do not understand why US Banks customer service wants me to return the checks to be refunded.
On a line of credit with a balance of {$3700.00} Wells Fargo somehow took over the number one position lien position over my mortgage company. I asked how this could happen and there  response was it happened. I would like Wells Fargo to show me how this happened as I have always had a first mortgage on my home. Wells Fargo also changed the loan type Nowline opened in 2005 that I opened with Wells Fargo Financial to a Wells Fargo Prime Equity line not sending disclosures explaining the changes. I do n't know if there is a annual fee on this account what the fees are, I 'm guessing everything is the same??
Have not received bonus yet. Reps from bank can not add the numbers and I have met all the requirements for bonus. No real answer or time frame.
I am attaching a letter that I sent to Experian on XXXX XXXX. Over 3 months have passed, and I have not gotten a response from them. They are supposed to respond within 30 days.
My son and I purchased a used vehicle from XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, Fl on XX/XX/XXXX. As part of the new purchase, they agreed to pay the last XXXX payments and the end of lease charges for the car we were trading in. I called BMW Financial services in XX/XX/XXXX because I had forgotten to stop my automatic bill pay for the old car and had sent them a payment of {$560.00} on XX/XX/XXXX. To our surprise, BMW said not only were they not going to give me the payment back but that I owed another {$630.00} for " end of lease '' charges. Needless to say, I was irate. After being told its was XXXX 's fault, then XXXX saying it was BMWs fault, we talked to numerous people at XXXX XXXX to resolve ( XXXX, XXXX and XXXX ). They have stonewalled us for three months now ( they realize they didn't send enough to BMW ) kept saying they are reviewing, not returning calls, etc. My son even went to the physical address to no avail. All the while, BMW is sending us threatening letters to sue us or refer to agencies. Finally, with no end in sight for the stonewalling, we got a final letter from BMW threatening lawsuit and had to pay the {$630.00} on XX/XX/XXXX. THEN, we get a letter that BMW referred us to Collection Agency on XX/XX/XXXX. THIS IS CRAZY..they are ruining my credit! Please help!!! They owe us {$1100.00}!
I am divorced and my ex-husband is 100 % liable for medical bills when he does not have our children insured. During a period when he did not have them insured, XXXX of our children had to go to the ER several times. Because I was the parent that took our child to the ER, they named me the guarantor and billed me for the visits to the ER. I contacted the hospital and provided them with the divorce decree which clearly states my ex-husband 's liability. They said there was nothing they could do. Eventually, the debts went to collections and are now reflected on my credit report. In XX/XX/XXXX, the first two, in the amounts of {$720.00} and {$520.00}, were reflected as derogatory marks which have negatively impacted my credit score. The third debt in the amount of {$310.00} showed up on my credit report in XX/XX/XXXX which further reduced my credit score. I initially contacted Medical Data Systems Inc., the collection agency, in an attempt to resolve the issue. They informed me that there was nothing they could do. On XX/XX/XXXX, I sent letters of dispute with proof of my ex-husband 's liability to all three credit bureaus and to Medical Data Systems. I have not received any correspondence from XXXX or XXXX, but XXXX  sent me a report on XX/XX/XXXX, showing the debt and the derogatory marks unchanged. Medical Data Systems also responded with a letter stating that they intend to continue reporting my debts to the credit bureaus. With legal proof from a court of law and signed by a judge clearly defining the party responsible for these debts, it is inconceivable that I am still being held responsible and that the credit bureaus and Medical Data Systems Inc. do not recognize the law declared by a judge and are not willing to work with me.
OCWEN LOAN SERVICING AND XXXX, XXXX & XXXX HAVE VIOLATED THE '' DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT ''. TITLE X 31 TIMES SINCE XX/XX/XXXX.
I received my credit report from XXXX and discovered hard inquiries on my credit report that should not have been there. I only allowed for XXXX XXXX to run my credit through Capital One. XXXX XXXX and XXXX XXXX  had no permission to run my credit. I was just shopping around. I have submitted a complaint once before. I contacted both companies and they swear that did not have a department to handle those types of situations. XXXX XXXX at Capital One worked my FIRST complaint and respectfully declined to removed those unauthorized inquiries. I figured since XXXX is a privileged male living in THIS America, he wouldn't actually investigate the case. I was then advised to contact my State Attorney : consumer protection sanction to report both companies AND XXXX XXXX from Capital One. I completed that complaint today and I have faith that the State Attorney : consumer protection sanction will work their hardest to get fair treatment. PLEASE publicly post this so the people can be aware that XXXX XXXX and XXXX XXXX in XXXX, LA with run your credit without permission and that XXXX XXXX from Capital One will not do a through Investigation.