WillisBack/dataset-financial-user-claim huggingface dataset:
On or about XX/XX/XXXX and XXXX two fraudulent charges in the amount of {$150.00} plus a {$5.00} ATM fee was withdrawn from account. I noticed it on the XXXX and immediately went to Chase bank to inform them of what happened. They cancelled my debit card and reissued me another XXXX ; they also reversed the transactions pending an " investigation ''. About 2 weeks later I notice that the money was taken again from my account. When I called the investigation team at XXXX they informed me the claim was denied because " you used your pin at the XXXX XXXX XXXX in the XXXX ''. I live and work in XXXX, La. I asked them what do I need to do to prove that I was not in the XXXX so I can get my money back. They informed me I need to provide documentation that I was not in the XXXX. I had my employer write a letter and provide the time sheet proving that I was not in the XXXX. I went into the branch a few days ago and was told they had my information and I should receive a refund in 1-2 business days pending " investigation ''. Well today I checked my account and I still do not have my money back. I called the investigation team again and was told the claim was denied again because " I used my pin ''. I was not in the XXXX and I proved it to them, yet they still refuse to refund my money. Please tell me what more needs to happen for them to understand I did not leave the country, I was never in the XXXX and I did not complete this transaction.
To whom this may concern XXXX is reporting that my students loans are late I 've never received any documents from the company I call them in XX/XX/XXXXand that 's when they sent the first bill but its showing on my credit report I 'm over 100 days late.
Basically, my mortgage company, Select Portfolio Services, continues to stretch out these loan modification programs, then offer me a payback amount that I clearly can not afford to pay back. They keep saying they're referred my account to an attorney, but are still claiming to help me. They charge all these fees for their " review board '' which makes my payments even higher, they offer me something like {$3000.00} payments, when I couldn't afford the initial payments of {$1500.00}. I explained to them that I had been unemployed for over a year. I really think this company is just a scam. 
Then they keep offering programs like Short Sales and Foreclosures because their investors will not accept any offers and they're investors are not willing to accept not one payment. It's bad enough the mortgage interest, which they say is normal, is .8 %
I am on a fixed income. During the period X/XX/2017 thru X/XX/2017 my bank charged me {$430.00} in returned check fees, {$72.00} in overdraft fees, refunded {$72.00} in returned check fees because {$36.00} was charged in error and the other {$36.00} was because overdraft was not covered in 5 days. I get a check once a month and the bank is well aware of my situation.The amount they charged me is equivalent to 3 weeks groceries. I called the bank and complained first to a teller then to a supervisor and then to a manager and the only thing they would do was refund the {$36.00} for the second fee on a returned check. They just charged me {$140.00} in three days because some eft payments were not paid because of insufficient fees. One for {$5.00} which they charged me {$36.00} for. This bank is robbing me blind. Charges last year were almost {$800.00}, most of them the day before my deposit went in. I have automatic deposits and they certainly can see when they are coming in. I would appreciate anything you can do to get my money back and to stop these insane charges.
I am XXXX and I opened an a prepaid internet hotspot account with XXXX as evidenced by the attachments. I did not voluntarily apply for credit. I specifically requested a prepaid account with no credit check. The first bill, attached, shows that XXXX requires payment in advance as I requested. This first prepaid bill was paid as evidenced by the payment receipt that is also attached hereto. However, XXXX did not supply the agreed upon XXXX of high speed internet service that I paid for as agreed. Instead, XXXX failed to suspend or " cut-off '' the high speed internet service once the XXXX allotment was consumed as its sales representative told me would happen. I was wearing a replica hat for the XXXX XXXX ship my brother served in, the XXXX XXXX XXXX and a gentleman in the store questioned me about whether I had served on that ship. Therefore, the second bill was for over {$500.00}. XXXX then terminated the internet account and I was not able to connect to the internet. However, XXXX continued to add the {$80.00} agreed upon monthly charges to my account until it reached over {$700.00}. Finally, XXXX hired a debt collection firm to collect this debt and report this debt to the credit bureaus. As a result, my credit score has decreased significantly and such derogatory item in my credit reports caused XXXX XXXX Bank to not pre-qualify me for a veteran 's VA Guaranteed Mortgage.
All last year I have disputed incorrect information placed on my XXXX  and XXXX  credit report. Convergent Outsourcing has placed themselves on my report as me owing a debt to XXXX  in the amount of {$1200.00} and stating that the account was opened inXX/XX/XXXX. XXXX  refuses to provide me with proof of debt validation and refuses to reinvestigate this false information. I have attached proof that my cell phone provider is not XXXX  but is XXXX/XXXX  whom I have been with since XX/XX/XXXX.
I just viewed an updated score for my equifax credit report. Equifax removed 3 accounts that are in good standing which in turn caused my credit score to drop again. I dont no why equifax is removing positive accounts off my report. The accounts are XXXX XXXX XXXX   and my 2 XXXX  XXXX credit card accounts.
This company violated my privacy per HIPAA regulations. They provided me a copy of a bill that contains the medical procedures I may have had. I did not authorize any of my medical providers to disclose any of my personal or medical information with a third party or collection agency. My medical information is no longer undisclosed. I have filed a HIPAA complaint with the U.S. Department of Health and Human Services Office for Civil Rights Complaint Portal : Health Information Privacy. 

I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ).

The statute of limitation in Texas is 4 years. This is over the statute of limitation for this debt to be collected on. 

This company does not hold a surety bond in the state of Texas as required by the Texas Finance Code 392. I request the following : Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). 

Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.
I am sending the third complaint about the erroneous information you continuously report on my credit file. For the final time I am disputing all the accounts listed as fraudulent accounts. I am unaware of the accounts. I have been a victim of identity theft in the pass and it seem as if this is a case of identity theft. I know it well to often and I shouldnt suffer any longer for someone elses wrong doing. I would like to dispute the accounts as an internal dispute and an affidavit. Removed the accounts from my credit report immediately and permanently within 72 hours or else I will be seeking a lawsuit on your company for violating my rights and seeking {$10000.00} for damages, hospital bills & distress. This is a serious matter. 
XXXX XXXX, XXXX, XXXX/ XXXX , XXXX XXXX. You can contact me at XXXX or my email for any questions. Also please be sure to list this address and remove every other address, numbers or information that is erroneous from my account within 72 hours. 

Sincerely XXXX XXXX
I am attaching a copy of my Driver 's License. and Social Security Card to prove my identity. Apparently, my file has merged with another person ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX just to name a few ). At this juncture, I have been unable to upload these documents and have even sent in my documents on multiple occasions via US mail to support my claims to no avail. It is my intent to dispute these trade lines and other information, hopefully more successfully via this venue. I 'm not sure why this has to be so difficult when a person can prove their name and information.
I have a bankruptcy showing in my background check. By law as of XX/XX/XXXX 2017, this should n't reflect. This is hurting me from getting a job.
Wells Fargo Loan # XXXX XXXX XXXX XXXX XXXX Ct, XXXX XXXX CA XXXX Wells Fargo has countered the buyer on this property without having done an interior appraisal. When we confronted the negotiator regarding a lack interior access and we requested a copy of the appraisal they have on file, the negotiator discussed the request with her manager. Her manager stated Wells Fargo does not have to provide a copy of their appraisal, and therefore does not have to comply with the XXXX Valuations Rule. 

We believe, in fact, there is no appraisal on file at all. We believe Wells Fargo has either an automated value or a drive-by BPO on file. To label either of these as an appraisal is Fraud. 

The homeowner has stated they have not given interior access to anyone from the bank. We believe their reluctance to do so is because it does n't actually exist and they simply made XXXX up. 

This is very odd. Unfortunately this is not the first time management at WF stated they are not do not have to comply with State, Federal or CFPB guidelines. They think it is a joke.
WE have for over ( 4 ) four yrs been trying to obtain a Mortgage Modification from Wells Fargo Bank. ( Please see attach History ). 
Thousands of Documents have been sent to wells fargo Bank. 
Two direct intake meetings with wells fargo Representatives. Received all requested Doc. 
Hundreds of phone calls, Fax, Mailing It was not until XXXX XXXX XXXX got involved that the documents were expedited to the underwriter 's. 
The underwriter 's through to Wells Fargo preservation specialists requesting many adding documents pertaining to my wife 's income verification which we supplied to them We just received XXXX letters from Wells Fargo that we were being denied for home modification loan because of my wife and I combined gross income??? ( See Attach ) We contacted our preservation specialists at Wells Fargo, who knew nothing about Us being denied a modification. 
We were revise to requests an appeal based on the incorrect amounts. After four years of documentation sent to Wells Fargo, I ca n't comprehend how they would have the wrong totals send in a request to appeal with supporting document. We completed the form and fax back to Wells Fargo. Then Mailed ( XXXX XXXX, XXXX ) The following documents listed below to verify correct total gross income amount. 
1 ) Complete Income Verification : A ) Spreadsheet total income past 26 months bank statement B ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX - XX/XX/XXXX ) C ) All XXXX sales 24 months D ) XXXX statements 24 months E ) P & L statements XXXX, XX/XX/XXXX, & XX/XX/XXXX F ) XXXX 's Income taxes XXXX all scheduled XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX G ) My Wife XXXX Past 18 months of Pay Stubs H ) XXXX income taxes XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX I ) Confirmation letter contribute for my wife XXXX J ) Household expenses Paid bill for past 12 months K ) history Journal past four years documents sent to Wells Fargo. 

We have been inform from the Lawyer that he was told over the phone that are Appeal now has been denied, I 'm just do n't understand why? if the totals were are wrong, Why would n't you want it corrected? 
I still feel that Wells Fargo bank, created this foreclosure by after 11 years changing our monthly mortgage, By doubling monthly mortgage payment, but without notice determining that we need in escrow account : started???
Defamation of Character and credit worthiness!!
In efforts to regain custody of my life and credit I have begun my process of rectifying inaccurate information on my reports. I have sent multiple letters and placed many phone calls to solve these issues with no success. The law is very clear as to the civil liability and the remedy available to me under FCRA section 616 & 617 if you fail to comply with federal law.
Accounts : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX ( XXXX ) should be one inquiry XXXX XX/XX/XXXX XXXX XX/XX/XXXX
I mailed Equifax and never received a response. My credit report shows unknown for a collection. This violates FCRA
1. I purchased residential property at XXXX XXXX XXXX, XXXX, Georgia, XXXX on XXXX for $ XXXX 2. I did 10 % down payment and paid {$15000.00} by Cashier 's Check. 3. I was asked to pay Private Mortgage Insurance {$77.00} every month as I paid only 10 % down payment. I was given Private Mortgage Insurance - Initial Disclosure where in it states that when the principal loan amount is to reach 78 % of the Original value of the property, Automatic Termination of PMI would terminate. 4. The Amortization Schedule was given and when the Principal Balance reaches to {$110000.00}, this balance will be reaching 78 % and automatically PMI terminates. 5. Loan was modified by XXXX XXXX XXXX XXXX, and the additional agreement states under section D that all the terms and provisions of the Loan Documents remain in full force and effect. 6. On XX/XX/XXXX, my loan servicing was transferred to Nationstar Mortgage LLC and I was informed that nothing else about the mortgage loan will change. 7. Nationstar Mortgage on XX/XX/XXXX sent a Mortgage Insurance Annual Disclosure, stating that PMI will automatically terminate on the date the principal balance of my loan is first scheduled to reach 78 % of the original value of the property. 8. I reached 78 % of the original value of the property on XX/XX/XXXX. 9. Nationstar Mortgage LLC., sent me a letter on XX/XX/XXXX that my property purchase price is {$150000.00} and the appraisal is {$150000.00} and my LTV is 77.67 % and automatic termination of the PMI would be XX/XX/XXXX. 10. Nationstar Mortgage LLC., sent me a letter on XX/XX/XXXX confirmed after reviewing the PMI Disclosure, the PMI will automatically terminate on XX/XX/XXXX. 11. XXXX Court reference to similar situation is referred that Mortage Companny can not calculate the PMI automatic termination date on the updated property value which in this case Nationstar Mortgage LLC., has taken the $ XXXX the transferred balance loan amount from XXXX XXXX XXXX XXXX , as property value. A huge mistake Nationstar Mortgage has done. Where as XXXX Courts say that the original value of the property only to be taken. I want Nationstar Mortgage LLC., to refund the excess PMI collected from me. My Nationstar Loan A/c No. is XXXX. Thanking you, Yours truly, XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX
We were approved for a Home Affordable Loan Modification trial period plan by Ocwen on or around XXXX XXXX, XXXX. The details of the loan are as follows : * 3 monthly trial payments of {$3200.00} due on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX * Payment for Escrow, ( where permitted by law ), including real estate taxes, insurance premiums and other fees, if any, of {$1400.00}. 
* 2 % for life of the loan * Balloon payment due of {$380000.00} - XXXX * New Unpaid Principal balance is {$580000.00} We were told by our relationship manager, XXXX XXXX, who is part of Ocwen 's litigation department, that our loan would have to be escrowed as part of the HAMP Trial Payment Plan. Our original mortgage was not escrowed and we have remained current on our property taxes and home owner 's insurance since XXXX till current. According to the documents provided by Ocwen, part of the trial payment is to be for taxes and insurance. I received a mortgage account statement from Ocwen that states {$0.00} of the trial payment was applied to taxes and insurance. Per the mortgage account statement {$390.00} was applied to the Principal, {$2700.00} for Interest and {$24.00} applied to " Unapplied Funds ''. Our original mortgage payment to Ocwen was {$3100.00}. Seems our 1st trial payment was applied based on our original loan payment of {$3100.00} and not on the trial payment plan of {$3200.00}, in which {$1400.00} was to be applied for Escrow ( Tax & Insurance ). As you can see from the mortgage account statement, {$0.00} was applied to Escrow ( Taxes & Insurance ). 
Also, Ocwen received our first payment of {$3200.00} on XXXX XXXX, XXXX, but I received a mortgage account statement yesterday with a statement date of XXXX XXXX, XXXX in the mail that states payment is " due now ''
My mortgage refinancing company XXXX XXXX XXXX has requested an original Stock & Lease certificate from my existing mortgage owner " XXXX XXXX '' ( this is the bank name ). The request was made on XXXX, and the bank has still not provided over 45 days later. Meanwhile, it 's costing me hundreds of dollars to extend the interest rates I was approved for on the refinance. When I reached out to customer support, they told me to resubmit my request and wait 3 weeks.
On XXXX XXXX, 2016 I closed my Citi ThankYou Premier account. The auto-generated message said that I will have 60 days from the date of closure to redeem ThankYou Points. I have called to inquire about the rule since I had an open Citibank ThankYou Prestige card under the same account. I was told that since points were transferred to another current account I have 90 days to use whichever points were earned on the closed account and given that the points are pooled I will see a message under 'my summary ' with exactly the number of points I have expiring and when. I have checked on XXXX/XXXX/2016 and there was no message alerting me of points expiration. Today I have logged in to redeem the points for a flight and I see that XXXX ThankYou points are gone from my account : XXXX.
On XX/XX/2019 I received a stack of mail from Chase Banking, with whom I have never done business and do not intent to. Two pieces of this unexpected mail were to activate new debit cards for two fraudulent checking accounts opened in my name without my authorization. Three pieces were returned checks dated XX/XX/2019 from XXXX XXXX XXXX ( routing # XXXX ), which Ive never heard of, electronically deposited to the fraudulent accounts in the amounts of check # XXXX  {$900.00}, check # XXXX  {$750.00}, and check # XXXX {$800.00}. Three pieces were returned checks dated XX/XX/2019 deposited into the fraudulent checking accounts from The XXXX XXXX XXXX XXXX , XXXX  ( routing # XXXX ), with whom I have an optional disability policy, checks were in the amounts of check # XXXX  {$1800.00}, check # XXXX   {$1900.00}, and check # XXXX  {$1600.00}. Two pieces of mail stated that these Chase bank accounts had been blocked and would soon close. I have no confirmation that these accounts have been closed, and no further information was given to me about the application to open these accounts or any further deposits/withdrawals. I have no claim numbers for these companies because this wasn't authorized by me. I studied my credit report and found unauthorized inquiries recently and fraudulent addresses.
I just received my initial monthly bill ( dated XX/XX/2018 ), since XXXX  servicing took over servicing my student loans. The monthly bill statement was inaccurate, as that shows that I have zero eligible Public Service Loan Forgiveness ( PSLF ) payments. This is totally inaccurate and does not reflect my eligible payments! 

By letter dated XX/XX/2018 ; I was informed that XXXX XXXX was selected to manage my federally owned student loans. In that letter I was informed that I could expect to hear back from the organization no sooner that 90 days from XX/XX/2018. As of XX/XX/XXXX, which is Friday, it will have been 90 since days since I received that letter. How can the organization portray on my initial monthly bill, that I have zero qualified PSLF payments, when I have yet to receive a report on their analysis of my past payment history? 

This will actually be the 2nd complaint that I will have submitted about XXXX, in the short amount of time that I have been dealing with their organization. My initial concern, started after I received my initial communication from XXXX by letter dated XX/XX/2018 ; stating that I did not have any eligible loan types. This was inaccurate and not correct, as I received an additional letter from XXXX, dated XX/XX/2018, stating that in fact, I was eligible for the program, and that my employment had been certified. This is very disconcerting and causes me great concern about future dealings with XXXX!!!! 

My most current concern, is that I received a letter ( dated XX/XX/2018 ) saying that the XXXX organization had approved a Disaster Forbearance on my behalf. I never have, nor did I requested a Disaster Forbearance. This should be cancelled ASAP. 

In closing can you please tell me : How can XXXX portray on my initial monthly bill, that I have zero qualified PSLF payments, when I have yet to receive a report on their analysis of my past payments? 

Sincerely, XXXX XXXX XXXX, XXXX , XXXX Enclosure : Printout from the Federal Student Aid website.
Joined the XXXX XXXX in 2016 and had to be gone for 25 weeks. Called the XXXX and requested a payment deferment/forbearance and got approved but still reported 5 months on 5 different tradelines late. Have tried to explain to that I had a forbearance was approved for that period and had not to be reported late. At first, they denied any forbearance approval in the past since they could not see anything in their system. But the grace of XXXX, they recently researched and found the letter. However, I have tried to get them to remove those late multiple times but they insist that their reporting accurate.