WillisBack/dataset-financial-user-claim huggingface dataset:
I have a " savings '' ( private client ) account with chase for about 9 years now. Recently there is an unauthorized charge of {$1000.00} on dated XX/XX/XXXX. Unauthorized charge was done through creating a dynamic check # XXXX. The check does not have my name or signature, it only contains my account number. I contacted Chase Fraud department and they asked me to send an AFFIDAVIT which I did on XX/XX/XXXX. Next day, I have also reported to XXXX Police Department ( XXXX ). However, it seems like they are refusing to give me the unauthorized charge back. I called them several times during regular business hours. Seems like they do not really care. My time in regular business hours is more valuable then the XXXX dollar itself. However, I am very frustrated with the fact that bank like chase can do such things to customers. According to agreement, I am NOT liable for this fraudulent charges. To me it seems like my account has been compromised due to data breach of chase on year XX/XX/XXXX. However, I ca n't be certain, but my account with chase is around 9 years old. 
Along with this complaint, I also complained to Chase executive office regarding their software issue. It was showing arbitrary amount ( around $ XXXX mismatch ) on my savings account online for 24 hours before it got fixed next day. I am not sure if XXXX complaints are related, but certainly customers going to suffer for this issue. I have sent all proofs to them regarding this issue. I have no answer yet regarding the software bug either. Customers should check their bank account frequently. Otherwise, they will never know how their money is gone and I am capable of proving this issue. 
My primary concern is still the fraudulent amount of {$1000.00}. Despite the fact that I contacted their executive office, no resolution is found. Hope to find a resolution through your service. Please note that fraudulent dynamic check that has been generated does not have my name or signature. ( Attachments - 1. Affidavit 2. Police Report 3. Fraudulent check )
I am in the get hope state program on my mortgage. I received paper work from my lender stating they were going to put me in foreclosure after being behind for two months. also received paper work from my insurance company on my mortgage saying i need to prove i am living in the residents or they will cancel my insurance due to the mortgage company putting me in default. So they offered me a forberance program which I was told they could n't do receiving state funds.
I recently took time off from school, so am no longer enrolled half-time, and have re-entered repayment. I logged in last week to the servicer ( MOHELA ) website, and saw a XXXX balance and no payment due. Then, today, I received an autodebit notice, so I logged in to check. The autodebit is set for XXXX, but my account is now showing overdue. When looking further into it, I noticed a statement was posted to my account on XX/XX/XXXX, with a due date of XX/XX/XXXX, and now my account is showing overdue. Is it not against the law for servicers to send a bill that is due on the same day the bill is printed?
I tried to Dispute an item on my credit report ( s ) online. 
Online process said I needed a " File Number '' from the report to complete the dispute form. 
I had to " purchase '' the XXXX reports to get this required " file number ''. 
EXPERIAN charged me {$39.00} for the XXXX reports. 
HOWEVER, .... none of the reports had the required " # '' to file the dispute. 
I called them and they said the Charge was Non Refundable even though the reports were " incomplete '' / useless to me. 
Just more money grabbing and no means of recourse for the consumer.
I have a mortgage with Pennymac that has PMI that I am trying to remove. The estimated time to completion was 15-20 business days according to their customer service. It has been 26 business days and counting. This is not acceptable to be almost double the estimate with no end in sight. Their delay is costing me money and they are in no hurry to fix this.
Hello and greetings : I am a customer with PNC bank. in XX/XX/XXXX/XX/XX/XXXX I experienced difficulty and was advised by PNC to stop paying loans and seek refinance and program assistance. I did so and was repeatedly threatened with foreclosure and refinance options simultaneously. During which time, PNC was bought out and merged with another company. < so I was informed > I made a lump sum agreement IN WRITING with PNC and paid all amounts due and late fees to date. I then began paying monthly payments and have continued to make monthly payments etc. No statements arrived soon after re-doing all the paper with PNC and I went to teller at local branch < name withheld but on file > was given an amount which I paid with receipt. I have all accrued receipts and paper on file. When I applied fo credit and was denied due to PNC reporting me late on XXXX payment etc I began to contact PNC. They sent me a very large paper file aprox 2000 pages and informed me it was my job to now prove they apportioned the payments correctly. I approached the teller and informed her of what had occurred and the PNC headquarters told her to inform me that she has no authority and not to discuss matters with me concerning my account. I was very distraught and experienced hardship due to the erroneous inaccurate reporting. All this stated, I wish to have an investigation into my 3 PNC accounts reported on my credit file. I am not late in XXXX nor after the written accord between PNC collections and myself. 
I will begin to compile all of the monthly payment made at the local branch. accepted and cashed at the local branch as well the lump sums that were paid to PNC with all late fees paid as well. 
My thoughts is that PNC should not be reporting me late and should be practicing due diligence pertaining to me account and PNC XXXXredit reporting ... My question for this bureau is what do I do from this  point to follow up and interact to provide you with specific details and paperwork showing I should not have been adversely reported against and how to resolve all of this so that I can get settled and not be bullied by PNC and the whale verse small fish tactics??? 
Thank you for your time and efforts. Please, just let me know exactly what you want me to provide and I will get it sent to you promptly. I have paid my bills and expect PNC to reflect my timely payments and credit worthiness. PNC has cost me enough duress and loss of enjoyments ; now my intention is to communicate to PNC that it is their job to be reputable and due diligent toward customer service and especially unscrupulous credit reporting ... ..
XXXX stay harrasing me about payments my interest are very high also they put me on deliquent, which is not fair i barely get pay enough for them to be to harrass me the way they do they are pretty rude never want to work with client i make payments each month of the amount i can. i regret taking a loan from worst company ever can't wait to pay everything off.
I have tried to communicate with both credit bureau and company about removing this debt of my report. This Nordstrom card was my mom who has passed away. I  was an authorize user. They have been contacted back in XX/XX/2017, I don't have exact date. However they are not removing my name off the card and has been passed on my credit report as charged off. I want it removed.
A company I worked for had a business credit card account with XXXX for 12 years. After 12 years of never reporting this information on my credit report, XXXX reported the account as a charge-off on my personal credit report in XXXX without advising me first. I had never even opened the account. The Company paid and closed the account in full and XXXX and their collection agency indicated the information would be removed from my report or showed as Paid In Full with no derogatory information. The account now shows as paid but is reporting as derogatory still despite several calls and assurances from them this would be taken care of. I have exemplary credit besides this and it is impacting my credit. XXXX claims they have reported the information to Experian correctly yet Experian has not updated and will not provide any response.
Please refer to a previous case number that was closed and should not have been : XXXX. 
I am attaching more files for reference : Email sent to Navient on XX/XX/XXXX however the dispute had been closed and should not have been. 
I was told over the phone on XX/XX/XXXX, that as part of a forbearance Navient would show the account as current and Navient would remove any negative reporting. Based on the information provided by Navient and its representative, I agreed to the forbearance. 

34 CFR 682.211 ( c ) allows lenders and borrowers to agree orally to a forbearance as follows : " Except as provided in paragraph ( d ) ( 2 ) of this section, a lender may grant forbearance for a period of up to one year at a time if both the borrower or endorser and an authorized official of the lender agree to the terms of the forbearance. If the borrower or endorser requests the forbearance orally and the lender and the borrower or endorser agree to the terms of the forbearance orally, the lender must notify the borrower or endorser of the terms within 30 days of that agreement. '' In this case, the terms of the agreement were stated in the XXXX XXXX, XXXX telephone call. The call was recorded. I have requested a copy of the recording on multiple occasions, both in writing and over the phone. Navient has refused to provide the recording which states the terms of the forbearance agreed to. Additionally, on XXXX XXXX, XXXX I requested ( via email ) a copy of Navient 's policy regarding releasing phone recordings. See attached. Navient has refused to fulfill my request. Because Navient has failed and refused to produce the oral forbearance agreement, Navient has not addressed my complaint. 

In addition, Navient NEVER sent me the letters dated from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX which purport to put me on notice concerning the loan status. When I log in to my Navient account, it shows all the correspondence that Navient has sent me. See attached. Those letter are not showing in my inbox, and I NEVER received any of those letters in the mail. Since the letters were never sent ( as is confirmed by their own website ), any required notice to me was defective. If Navient is generating these letters after the fact, they need to be investigated. Demand is hereby made for Navient to remove the negative information reported to the credit agencies pursuant to our oral agreement on XXXX XXXX, XXXX.
I initially contacted XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, CA, XXXX on XXXX XXXX, XXXX via the internet. XXXX XXXX sent automated emails regarding my inquiry. I then spoke directly with XXXX XXXX, XXXX XXXX XXXX Sales Manager, and explained my situation and my terms for purchasing a new vehicle, which were that I had a trade in that I was upside down on for about {$10000.00} and that I was adamant about not putting any money down ( {$0.00}, XXXX dollars ) on a vehicle because I was in the process of trying to close on a home that I was purchasing at the time and all my funds were tied up in the house. XXXX said he understood completely. XXXX said that he would get together with his finance person and see what he could do and said that he would contact me to let me know either way if they would be able to work with me and my conditions. He then texted me on XXXX, XXXX, XXXX in the a.m. and told me that they were able to successfully construct a deal with my conditions and to come on down and sign the paperwork, trade in my vehicle and pick up my new vehicle that afternoon at XXXX. I arrived on time and completed the signing of the contract and getting my new car within 45 minutes from my arrival. After a seamless and seemingly worry free completion of the transaction, I received a notice from XXXX XXXX a few weeks later saying that they wanted me to return the vehicle as they were exercising their right to rescind the deal we had recently completed. I immediately contacted the finance department at XXXX XXXX XXXX and spoke directly with XXXX XXXX, Finance Director, who unequivocally assured me that the issue was resolved and not to worry and DO NOT come into the dealer as according to XXXX XXXX 's ( Finance Manager ) notes in the computer, everything was fine and not to worry. Following that conversation sometime in the future, I received messages from both XXXX XXXX and XXXX XXXX, saying that they needed me to go into the dealership to re-sign the paperwork because they needed to submit my paperwork to a new lender, but that nothing would change except for the bank name. I then made arrangements to go into the dealership to resign the paperwork in order to resolve any issues. On XXXX XXXX met with XXXX XXXX, Finance Director, and I told her that XXXX said to come in and see her. I spoke to her about XXXX informing me that nothing was changing in the paperwork and that it was only the bank name changing. She highlighted where I needed to sign and had me sign the pages with NO explanation of the change in terms of the contract where they now had a down payment in the contract of {$2000.00}. NO ONE at NO TIME informed me of this change in the contract. I would NEVER have signed the paperwork if that were the case. I am receiving collection letters from Systematic National Collections , Inc. in for {$2500.00} for this and want this to cease immediately. It is fraudulent to have a consumer sign contracts without full disclosure of any changes to the contract and that is what XXXX XXXX, Finance Director of XXXX XXXX XXXX did when I came in that day to sign my paperwork.
I am a XXXX year checking account customer of BB & T Bank . On XXXX XXXX XXXX, BB & T changed my checking account to some sort " XXXX '' status without my consent and began churning my account for an excessive {$30.00} per month Junk Fee. I receive no benefit at all in exchange for this excessive Junk Fee. 

My account will continue to be churned by BB & T for an additional {$30.00} Junk Fee every month until I close this account. 

The attached picture shows that BB & T has already charged a {$30.00} fee, while paying only XXXX cents of interest.
I opened a business account with bank of America on XXXX XXXX.I received a approval email on XXXX XXXX. I went in to make a deposit on XXXX XXXX and to my surprise my account was closed without reason. I never made any deposits, withdrawals or completed any debit card transaction. so now ill will have a ews " account abuse entry '' on my report and it will damage my business reputation and make it very difficult to obtain a new business account. I would like a explination of why my account was closed for now apparent reason
1. XXXX pulled my credi three times - I never gave permission to " Loan Depot '' Nor did I give verbal, written or any permission to RUN MY CREDIT!!! 

I Did not give XXXX permission to run my credit nor did I sign any documents or paper work, They are REQUIRED to remove these Hard Inquires within 30 days. I do not know them nor have I EVER spoke to anybody from XXXX, XXXX XXXX XXXX and or Loan Depot. 

Todays date is XX/XX/2018 at XXXX I request they show signed documented proof of my signing an OK or giving a AUDIO Recording of me giving them permission, This company does not have permission and I did not speak to anybody from this company. Therefore I request them to remove these inquires within 30 days. Should it go over 30 days I will seek legal action against all parties for fraud. 


Thank you, XXXX XXXX
I currently make {$75000.00} per year before tax. I have {$88000.00} in Federal Student Loan debt and {$72000.00} in Private Student Loan with Navient and just over {$10000.00} with XXXX XXXX. This was to obtain a XXXX XXXX in XXXX. While I am in the industry that I went to school for between student loans and other housing cost I have no savings and a little over {$75.00} saved for retirement. I have filed bankruptcy once and have no form or way to consolidate my loans due to credit score and amount. I am making monthly payments on due dates or just after. 

There was never a cap. I could just keep borrowing and borrowing and borrowing. They never said XXXX stop you will not be able to afford this after school. I just allowed the rich to get richer my student loans are my future and I have no way to pay for anything else. Whether this is my fault, the schools fault or the the lenders fault something needs to be done. This can not continue to happen to other students. 

I call at least every other month asking for lower payments, forgiveness, something that will help me save.
Experian and XXXX continue to not comply I do not know what else to do, the lien was withdrawn XXXX removed it and evidence was submitted to all three. Please help
I reached out to the Department of Education requesting a original signed promissory note exercising my rights provided by the fair credit Act section 609 States creditor has 30 days to provide you with the original signed document verified debt I have not received nothing from the Department of Education I have reached out several times asking for verification and after viewing my XXXX credit report I'm seeing a lot of inconsistencies amongst the three credit bureaus
XXXX XXXX  made this account under  XXXX XXXX credit report shows on here fraud account XXXX  never sign for this false address  XXXX XXXX XXXX XXXX XXXX mi XXXX false address XXXX not live there 20 years now.
DEAR SIR/MADAM, I RECEIVED OKLAHOMA TAX REFUND AS A DEBIT MASTER CARD, A XXXX CARD, END OF XX/XX/2018. I ACTIVATED IT AND THE THE TOTAL AMOUNT THAT OKLAMHOMA REFUNDED WAS {$370.00}. HOWEVER WHEN I WENT TO USE IT I COULD ONLY USE {$370.00}. THUS, I CALLED MANY TIMES TO GET MISSING XXXX REFUNDED. I NEVER CALLED TO GET THE BALANCE ON THE CARD, BUT THE COMPANY HAS A SCAM THAT EVERY TIME YOU CALL THEY CHARGE YOU XXXX, EVEN THOUGH YOU DO NOT WANT THE BALANCE. SO JUST TO SPEAK TO A REPRESENTATIVE YOU GET CHARGED XXXX, THIS WAS NOT NOTIFIED TO ME WHEN I RECEIVED THIS DEBIT CARD FROM OKLAHOMA TAX REFUND. THIS IS THE FIRST TIME I HAVE RECEIVED THIS TYPE OF DEBIT CARD. MY LAST CONVERSATION WAS WITH A SUPERVISOR NAMED XXXX XXXX XXXX ON XX/XX/2018 WHO SAID I WAS REFUNDED XXXX ONCE BUT NOW I HAVE A NEGATIVE BALANCE BECAUSE I CALLED SO MANY TIMES, SINCE EVRY TIME I CALL TO SPEAK TO A REPRESENTATIVE THEY CHARGE XXXX CENTS. XXXX XXXX OWNS XXXX XXXX, THE NUMBER OF XXXX IS XXXX, THE NUMBER OF XXXX IS XXXX. PLEASE ASSIST ME SO THE COMPANY SENDS ME A CHECK FOR XXXX, THEY SHOULD CLOSE MY ACCOUNT AND MY CARD. I ASKED XXXX TO DO THAT BUT SHE WILL NOT CLOSE MY ACCOUNT, SHE SAID SHE WILL CLOSE MY CARD BUT WILL NOT SEND ME EMAIL OR MAIL VERIFICATION THAT THE ACCOUNT IS CLOSED.
They have continued to violate my consumer rights even after the multiple attempts to inform them of the fact. At this point it is consider willful defamation and I am sending a NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

Despite three written requests, the unverified items remained on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following account be deleted immediately : Bankruptcy. 


Enclosed you will find a letter from the United States Bankruptcy Court.
In XX/XX/XXXXmy car was financed thru XXXX XXXX and my last payment should have been in XX/XX/XXXX. However, I disputed the amount XXXX XXXX tried to collect from me and refused to pay after they threatened to repossess my car and damage my credit rating. I immediately discontinued all further contact and made no further payments. This account was then closed/charged off in XX/XX/XXXX by XXXX XXXX at which point I began getting collection calls from their representatives and collection agencies. When I asked the collection agency for a Debt Validation report because the amount XXXX reported as owed was in error, I never again heard anything from either the Collection Agency or XXXX XXXX. EVER. Not one single word.

In XX/XX/XXXX, I decided to purchase a new vehicle and my dealership advised the best course of action would be to turn in my vehicle to them ( they would have it picked up by XXXX XXXX XXXX agent of choice ). This was done and in XX/XX/XXXX, I contacted XXXX XXXX to discuss a settlement so that I could pay a fair price for the remaining debt and move on with my life. We agreed upon an amount and I paid it over the telephone. ( Copies attached ). I also have a letter from XXXX XXXX in which they explicitly state that the settlement terms included the agreement that neither party would attempt to file any further charges, lawsuits, etc. against each other. However, after XXXX XXXX received their monies, they backdated and made changes to my credit report and continued to do so. I should not have " CHARGE OFFS '' and BAD DEBT notations on my report ... month after month ... beyond the date my account was closed. This is a violation of my rights and is an example of a company using their power to harass me thru the illegal reporting of incorrect data to the CRA 's. Fortunately, XXXX  does not allow this practice and has corrected the account based on my previously filed grievances.
I received XXXX dollars into my account to a payday loan from XXXX that I did n't apply for and did n't approve. I went out of town on the XX/XX/XXXX, returned on the XXXX and was going through my account. I had a XXXX dollar deposit into my account on the XX/XX/XXXX. I had contacted XXXX on the XX/XX/XXXX to check. They said it was filed. I reached back out on the XX/XX/XXXX with no resolution. Turns out XXXX never had filed the complaint. I called XXXX and they said that they had gotten confirmation from my current employer, XXXX XXXX, which is not my current employer. They suggest I reach out to XXXX again to file an XXXX to decline the XXXX deposit. I have filed paper work to get things reversed.