WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX our deposit ( {$2500.00} ) was accepted without a hold and our online account reflected the full funds in the balance XX/XX/XXXX. The payroll check was drawn on XXXX XXXX XXXX from a business account we have owned for over 25+ years and not one payroll check has been returned in that time frame. We have had a personal Bank of America account for over 30 years so there is a consistent pattern of deposits of these payroll checks being accepted without issue. The next day ( XX/XX/XXXX ) we confirmed the deposit and processed some bill payments. The following day, which was three business days after deposit or XX/XX/XXXX our balance reflected a reversal of the deposit, putting our account into overdraft. BofA explained the reversal based on suspected fraud claiming the XXXX XXXX XXXX check was possibly fraudulant. Since we owned the XXXX XXXX XXXX payroll account we had proof it was not fraudulant having hard copies of the XXXX XXXX XXXX payroll account showing the funds CLEARING the account and confirmation of BofA receiving the funds before BofA withdrew our deposit. We had proof the funds left XXXX XXXX XXXX but BofA still took our funds out of our account. We personally spoke to a branch representative who said they would look into it as well as speaking with a phone representative. Each time we asked they contact XXXX XXXX XXXX since we had hard copies of the account activity but they said that was not the process. The outcome was the funds were returned immediately ( day three ) to cover the bills. The scary part? None of the transactions are reflected on the statement. The negative balances disappeared, the day one deposit  disappeared and instead, the deposit is now showing a back-dated date of XX/XX/XXXX. Absolutely no paper-trail of the actual activity. Does the Congressional Committee for Finance find this acceptable behavior? If the bank claimed " Suspected Fraud '' on just 10 % of all consumer deposits in a {$2.00} trillion company they could change their balance sheet and people like me can't do a thing about it. We can't float checks anymore but BofA can float deposits at will? I will be closing my account, and there is no acceptable resolution since the issue is integrity and trustworthyness.
XXXX XXXX obtained a credit report on me without my permission. I wrote them on XX/XX/2018 ( Certified Mail # XXXX ). I also called on XX/XX/2018 and again on XX/XX/2018. Both times the person representing XXXX XXXX admitted there was fraud involved in obtaining my credit report. Both times they promised to get the inquiry removed - but never did..
Equifax has all inaccurate information on me and has n't updated my credit file since 2009. I have n't had this problem with either of the other XXXX bureaus. This inaccurate information includes XXXX misspellings of my name, inaccurate creditors, and no updated credit information since 2009. 

I have been denied a car loan, mortgage, and even cable tv. Each time I try to get a free credit report from Equifax it asks me security questions that are not related to me and therefore, they deny my report. When I sent the request via mail they never responded. I 've called XXXX times, but could never get anyone on the phone. The only time I got someone on the phone is after I paid for a credit report ( which I should n't have had to ). This lady was unable to help me nor was her boss. They did not have the authority to fix any of my issues. I sent them via fax my birth certificate, my current FL drivers license, my old AL drivers license, my government XXXX card, and even my passport. Even after sending all of this information the only thing they did was update my name, but left everything else being inaccurate. 

I 'm not sure why I have had all of these problems only with Equifax. The other XXXX are correct.
I revived a call from Access Receivables Management a couple weeks ago attempting to collect a debt that was sent to them from the XXXX XXXX of XXXX XXXX. I am disputing that debt. The debt collector who called identified himself as having served in the XXXX for 4 years, upon hearing that I was in the XXXX XXXX XXXX. I had told him that I was in the XXXX XXXX XXXX and was using my Post XXXX XXXX XXXX to attend the XXXX XXXX XXXX XXXX. I explained to him that even though I had submitted a certificate of eligibility and was told the VA would pay my tuition, the VA failed to pay my tuition in a timely fashion and I never got my XXXX. 

The debt collector told me that it was wrong for me to use the XXXX to pay living expenses and that I could get in a lot of trouble from the XXXX XXXX for doing that. This was dishonest on his part and an attempt ti scare and intimidate me. This violates the Fair Debt Collection Practices Act.
I put hundreds of dollars on a XXXX card I bought thinking it would be no problem to set up and use. It was a huge problem. XXXX had locked the card and I was unable to access my money on the card! They essentially stole hundreds of dollars from me. Whatever you do, NEVER I repeat NEVER BUY a XXXX PREPAID CARD, if you wish to use your own money. XXXX allowed me to buy the card and load money onto it, then locked the account so that I could not use my own money, for all intents and purposes stealing my money.
My Home Equity Line Payment increased by 3x XX/XX/2016. It is currently past due because I am not able to handle that kind of payment shock. I am almost certain that early in the life of the loan, I took advantage of an offer to convert to a fixed rate for the life of the loan to avoid this issue but I can not find proof of that at this point. I would like to work something out with Chase but they have made it impossible to communicate with them either online ( account access is blocked ) or by phone ( see below ). 
I have attempted to reach out to Chase by phone but they are unwilling to speak to me because they seem to not be able to verify/authenticate who I am because I am unable to answer XXXX random public records questions to their satisfaction. Further, they have NEVER attempted to call me to speak about the matter. I noticed on my limited profile I could access on their website that they have an outdated home phone number and email address for me. I have tried updating that information but am unable to do so because again, they can not authenticate who I am by these random questions. So, this is a vicious circle and I am getting a complete lack of help from Chase to resolve the matter.
I am writing in reference to a collection agency that I recently received two letters from named PennCredit Corporation. I reached out to them to determine the reason for the letters and how they determined the amount of {$230.00} and I was treated so horrible. Every individual I spoke with was outright rude including the managers. 
I was not able to get help with a resolution and was not able to get a valid explanation to how the debt was determined because they all spoke over and would n't listen to me and I even believe I was hung up on. 
They are engaging in unfair collection practices, every person I spoke with was rude and had an attitude and spoke in an intimidating manor. 
They simply were not interested in helping me with a resolution and as such I am wanting to submit a complaint and dispute the validity of this debt.
I recieved a letter from XXXX XXXX  on XX/XX/XXXX stating my mortgage loan would be transferred from Stearns lending LLC to XXXX XXXX  effective XX/XX/XXXX. In this notice of servicing transfer, it stated Stearns lending LLC would stop accepting payment recieved from me after XX/XX/XXXX. Those are the words used verbatim. I recieved another letter from Stearns lending LLC on XX/XX/XXXX stating The notice of loan transfer it states verbatim : the servicing of your mortgage loan is being transferred, effective XX/XX/XXXX. This means that after this date, a new servicer will be collecting your mortgage loan payments from you. Nothing else about your mortgage loan will change. Stearns lending LLC c/o XXXX XXXX XXXX is now collecting your payments. Stearns lending LLC c/o XXXX XXXX will stop accepting payments recieved from you after XX/XX/XXXX. XXXX XXXX   mortgage will collect your payments going forward. Your new servicer will start accepting payments recieved from you on XX/XX/XXXX. Send all payments due on or after XX/XX/XXXX to XXXX XXXX XXXX  XXXX at this address ( then they gave me the info for XXXX XXXX  ). I then set up automatic payments to start for XXXX XXXX  on XX/XX/XXXX on their website. I looked at my bank account on XX/XX/XXXX to make sure the new payment went through smoothly to see a negative balance because Stearns LLC STILL took my mortgage payment out. So, now I had paid my mortgage payment not only to XXXX XXXX ( new servicer ) but the payment had also been made to Stearns as well without my permission. I tried calling Stearns on XXXX and someone told me they were taking care of it and they would overnight me a check. That never happened. I proceeded to call both companies numerous times daily for weeks trying to figure out where my money was and neither company knows where it is. Stearns stated on XXXX over the phone that my loan was actually tranferred on XX/XX/XXXX and that the funds were sent over but XXXX XXXX  states those funds ( the mortgage payment made on XXXX to Stearns ) was never recieved and that it could take up to 30 days from the transfer to see those funds. Another person stated from Stearns that the money was in a suspended area of the account and that they dont know where the money is now. I am currently on maternity leave and I do not have the money to be able to pay my mortgage this coming month now because Stearns took this money from me and refuses to give it back. I filed fraud for the payment at my bank a week ago but still have not recieved any information as to where this money is or how to get it back. I am out of options and need help.
Chase Bank removed my inquiries from XXXX but they did not remove all them from XXXX. I have a inquiry XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX Please remove these inquiries because they were not authorized by me.
Individuals with private student loans serviced by XXXX XXXX ( which has changed its name to Navient ) who were charged late fees for missing payments. This alert specifically affects borrowers who took out loans before 2006.
Citi  made a duplicate payment  ( {$2900.00} ) t o a merchant in  XXXX   XXXX . It refused to collect the duplicate payment from the merchant, and told me to make the collection . Citi  indicated at the time that all fees would be waived while I was collecting the money.  Citi main tained the duplicate charge on our account.   I finally obtained the funds from the merchant and forwarded them to  Citi i n  XXXX   XXXX .   In  XXXX   XXXX   Citi fi nally reversed all of the bogus late fees and interest it had charged to our account. The balance now is zero.  Citi h ad been, in error, reporting to the credit agencies that our account was delinquent. It refuses to correct those erroneous reports.   As a result, ou r credit score ha s been reduced more than  XXXX  points and we are incurring substantial penalties as we try to refinance a mortgage.
A funds transfer in the amount of XXXX was requested on XXXX, made by mistake, canceled seconds after request. The transaction was canceled out on XXXX end, however, funds were still attempted withdrawal. A stop payment was made to avoid an overdraft, a fee in the amount of XXXX is charged for this. I need this fee reimbursed ASAP. The email associated with my XXXX account is XXXXXXXXXXXX
Portfolio Recovery Associates Disputes Department XXXX XXXX XXXX. 
XXXX, VA XXXX Date opened : XXXX XXXX, 2017 In the amount of {$570.00} I disputed with this company they only provided me with a printed out payment history. They did not validate the debt nor validate any type of signatures associated with the debt. 

To whom it may concern at Portfolio Recovery Associates Be advised that this is not a refusal to pay and This is not a request for " verification '' or proof of my mailing address but a Request for VALIDATION of the debt you say I owe pursant to 15 USC 1692g Sec. 809 ( b ) of thd FDCPA. 
If fail to provide Validation I am requesting immediate removal of the debt from XXXX, XXXX, and XXXX.
Re : CFPB Case # XXXX Dated : XX/XX/2018 You stated that you obtained my information from XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ) This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. Please provide me the method of verification as required under Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract. Therefore, in accordance with s.1629e ( 8 ) of the Fair Debt Collection Practices Act, That clearly states that any information know to be false, can not be reported to any credit bureau , In the event that you can not verify the item pursuant to the FCRA , and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter. 

Please send me a copy of my updated credit report as soon as the above has been completed. Thank you.
In XX/XX/XXXX Capital One sued me and took me to state court. I fought the alleged debt because i was not sure what it was or why they were suing me. I went to court and the lawyers for Capital One were not able to provide proof of a contract or account statements showing what was purchased. I won the court case and i have a judgment in my favor against Capital One. Now this year in XX/XX/XXXX Capital One sent me a XXXX  IRS form claiming that i owe taxes of {$25000.00}. This is an outrageous claim i already won this case in court. Now they are stressing me out even more after i have had to fight this frivolous claim and was stressed out and it took a huge emotional toll on me for over a year. This is not acceptable and i already sent a certified letter to the CEO of Capital One. They responded that they will not alert the irs of the fraudulent information they have supplied to them. This is their last chance to fix this issues before i turn this over to the United State Attorney General and file a lawsuit against them.
I thought I bought my van for XXXX plus XXXX percent for the loan ... so about XXXX. My goal was low payments I could afford so the dealer told me that if I paid a big chunk like when I got my tax return my payments would be lower. I even called Capitol One Auto Finance to confirm that. N they said the same thing. But, when I got my tax return and asked how much my payments would be if I paid a certain amount ... but, then they said they would stay the same. I was like ... but, that 's not what you guys and the dealer said a few months ago. N Cap. One was telling me that whatever representative I spoke to told me wrong. So I am stuck in these high payment amounts I really ca n't afford along with the high full coverage insurance and I have n't been able to refinance. ON TOP OF THAT I found out Cap. One actually charged me XXXX for the van when it was n't even worth the XXXX I thought I was buying it for! N I will make payment but the pay off will just stay the same OR GO BACK UP another XXXX! How can a company get away with charging more than twice what a vehicle is worth when ... if we get into an accident and total a car the insurance companies will only give us the cars blue book value or nada or whatever value. That is another complaint I have ... .I pay SO much for full coverage insurance. Over XXXX. Yet when I hit a deer years ago with my other van XXXX would only give me XXXX for a van I paid XXXX for. N now a XXXX driver ran into and did n't stop and I am being treated like a liar by XXXX ... I paid them for insurance not to make the heads of their company richer, but they sure are tight with their money when it is time to help ... or really just give us some of the money we paid them. It would be better to make special personal auto savings accounts because insurance companies take advantage of consumers.
Regarding XXXX payment processing, CapitalOne has a business practice, which I believe is unethical and should be illegal. I have a PDF file ( attached ) with date/time stamp from my CapitalOne on-line account records to substantiate my complaint. Specifically, when I log into the CapitalOne website to pay my credit card 's monthly bill, their website states that I must make the payment before XXXX. in order for the payment to be posted on the same day ( It used to be XXXX XXXX EST a few years ago ). Currently, this payment cut-off deadline, at XXXX XXXX is four hours before XXXX on the due-date. If a card holder ( like me ) makes a payment ON THE DUE DATE, but between XXXX and XXXX, CapitalOne sets the posting date for the following day and counts the payment as a late payment, charges a late fee, and then use this event as XXXX of XXXX allowable late payment events per year to justify raising the APR rate - significantly. This happens even when payments are made on the due date before midnight within the same timezone as the billing address ( EST in my case ). I suspect that Capital One and other card issuers are using this tactic to collect fees they do not earn and to justify raising APR rates. This practice should be illegal and must be stopped. The correct processing is that all on-line payments scheduled by XXXX XXXX of the due date, should be posted as paid on the due date and accepted as an on-time payment.
I was a victim of fraud and identity theft a few years ago, resulting in my Chase bank account being compromised with charges I did not make. Chase investigated and determined fraud was present and the bank account was closed. During the investigation Chase started accruing fees on the account which totaled over {$330.00}! For over two years I have disputed the fees and finally a Personal Banker, XXXX XXXX XXXX ID XXXX sat down and researched the account and conferenced the Chase Fraud Department via phone. At which time it was concluded that the fees should not have been charged and that I should not have anything derogatory on my credit reports or any negative blocks which are now preventing me from opening any new bank accounts! However, the Fraud Department representative was unsure how to update the account due to some 2 year limitation that prevents them from changing a record. Thus, I was referred to Chase Bank 's Executive Office, XXXX XXXX, at XXXX. After leaving a message XXXX XXXX returned my call and asked me if I was seeking legal action against Chase Bank and then told me he would transfer my issue to the proper department, and if I did not hear back from him within 48 hours to return a call and notify him. I returned a call to XXXX XXXX and a woman answered and refused to transfer me to XXXX XXXX. She then transferred me to Chase 's Collection Department, at which time a verbal demand was made to me for {$170.00} and some change or else all the negative information attached to my identity would remain and I was told I had to pay in full by XX/XX/XXXX! Not one entity with Chase Bank has been willing to contact the Personal Banker who finally attempted to assist me to resolve this lingering burden, nor have they made any attempt to confirm with the Fraud Department! Meanwhile, I remain a victim, and continue to be negatively impacted!
I tried to get a pharmacy rewards card, but the cashier did not understand and she made me to apply a target red card? I noticed that this person was a sales training to get bonus, and charged {$38.00} from the target red card. I closed the account the last XXXX, so I received some letters regarding the payment plus interest. Now, I have financial matters and I am not willing to pay the new balance.?
GE CAPITAL RETAIL BANK now known as Synchrony Bank allowed a credit card to fraudulently be open in my name opened XX/XX/2013 in the amount of {$1500.00}. Account number : XXXX. I am a XXXX XXXX XXXX veteran. They allowed someone to open the account using my old address from government housing. They sold the debt to XXXX XXXX. I didn't find out about this fraud account until XXXX started calling me 5 plus times a day. I have sent the fraud form to XXXX 5 different times and they keep claiming they haven't received it. They have harassed me since they bought this fraud account. In XX/XX/XXXX XXXX posted this account on my credit report on top of Ge Captial Retail Bank/Synchrony Bank having it reported on my credit report.
I have been disputing also with JPM Chase via the 3 major credit bureaus for the past few months and they have refused to provide what has been requested during this process : an original instrument of indebtedness -- bearing my actual signature -- verifying the validity of the account. They have refused to provide this original consumer contract for MONTHS and the bureaus have been complicit. ( I submitted a complaint on all three of them as well. ) Under the FCRA, a company MUST provide to the consumer what has been requested. Further, never is a company to just STATE that an account is " verified '', " accurate '', and " valid '' without actually proving these to be so. I am outraged that in 7 months, I have not received what I requested. It is extremely important to my person and identity as a consumer to make sure that what is reporting in my credit files has been TRULY, PROPERLY verified & validated. I DEMAND that JPM Chase provide an original consumer contract / original instrument of indebtedness in its original form ; if they do not, then I demand that this account be IMMEDIATELY DELETED from my credit reports. The law states under FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) that original consumer documentation is required to consumers, particularly upon their request. Furthermore, you have also failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. It is a crying shame that it takes upwards of 7 months of pleading to get what you're owed as a consumer. Companies like this hide behind the bureaus and assume that most of us will just give up on trying any further to dispute and request required info.
XXXX XXXX services continues to report a negative payment history item on my transunion credit report. XXXX XXXX XXXX stated that they informed transunion to remove any negative items from XXXX XXXX thereafter, however when I spoke to a transunion representative she indicated that XXXX stop reporting the item in XXXX XXXX. XXXX XXXX services was not suppose to make any more reporting on credit report once I declared Bankruptcy Back in XXXX XXXX, however they continued report me being over 120 days late on payments. I think transunion had an ovesite of this matter. Also I completed a student loan rehabilation program and all negative items were suppose to be removed from my credit reports by XXXX. The loans are no longer in Default status
Opened a CitiBank Interest Checking account under the {$300.00} promotion on their web page. Here is a link : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX When I also gave my bank information to do a opening deposit of {$15000.00}. When I called in to follow up on it, they had no idea where the {$15000.00} went and no clue about the promotion. I told them to look right on your homepage and they will see it but somehow they could not find it, funny. Well after weeks of calls and hours waiting on hold I tried one last time to see if they honored what their advertised and fix things but the manager still no no clue about anything, I do n't understand how that is possible. Seems like a deceptive scheme for consumers to open accounts like XXXX XXXX