WillisBack/dataset-financial-user-claim huggingface dataset:
Dear Sir or Madame, My name is XXXX XXXX, and I am an American citizen who lives in XXXX, XXXX. I have a bank account and credit card with Bank of America. 
This past XXXX, there were false credit charges on my credit card to places in the United States. Obviously, I could n't have been been in these places to make the charges. I contacted my bank, and had to close the credit card. Because of security, I had a new credit card brought to me by hand, and it had been specifically sealed in a way that nobody could have used the new credit card. When I got the new credit card in mid-XX/XX/XXXX, there were already charges on it. It was for a video place called XXXX for {$130.00} from XXXX XXXX, XXXX. I do not live in the States, so I could not have been renting videos. I contacted the XXXX XXXX company, and they could not find this charge, could not match the transaction number to me, and said they did not have an account for me. I contacted the credit card, and they said they would do an investigation into this fraud, and would not require shutting down my credit card, which I feel is a necessity for emergencies here. 
Recently, I got a letter from Bank of America requesting me to sign a statement that I had never authorized the charge, and that I needed to close my account in order to continue the dispute. This was XXXX XXXX, XXXX. In the letter, they said that if they did n't receive the letter back on XXXX XXXX, the same day they had dated their own letter, that they would close the investigation. I signed it, and sent it in, with some hope that they might recognize the error. 
Unfortunately, now I am being billed with the fraudulent charges, and the bank has not done any research into the smallest facts : I do n't live in the country, I did n't have the credit card at the time the charges were made, I never made an account with XXXX, which seem like part of a prior spree of fraudulent credit card charges.
I recently applied for a store credit card. XXXX sent me a letter in the mail saying i was denied because of a low credit score. They said my score is 250 points lower than it really is. I also never requested them to send me my score, it was just printed on the letter I received in the mail.
Since XXXX XXXX, XXXX I have repeatedly asked Equifax , XXXX, and XXXX to remove an item on my credit report that was caused by an authorized user back in XXXX. The above agencies keep telling me that the reporting is accurate and refuse to remove XXXX XXXX XXXX account number XXXX as an item that does not belong to me. 
On XXXX XXXX, XXXX I contacted XXXX XXXX XXXX and asked them as a Good Will gesture to remove this item so that I could purchase a car. 
I received a letter from XXXX XXXX XXXX asking me to call them. I called them this morning, XXXX XXXX, XXXX and spoke to XXXX then manager XXXX at XXXX. I was told that they had to accurately report MY credit and that they could not remove said item from XXXX, XXXX or Equifax. I quote to them that they were in violation of Section 1681n and Section 1681o of the Fair Credit Reporting Act. ( This is not my account ). 

I was refused a good will gesture because I was the primary on another account that was linked to this card. I was never on this bank card and should not be penalized for something that I did not do. I am including copy of that letter, copy of credit bureau update, and copy of my fourth letter to all agencies asking them to remove said item from all three agencies.
I am a veteran and a XXXX XXXX. I was not paid for two pay periods during the recent partial shutdown of the federal government. The servicer on my mortgage loan, US Bank Home Mortgage, readily offered me forbearance for three months and was willing to extend it to six months. On the phone, the representative said I would not be charged any late fees and my payments would not be reported late to the credit repositories. I paid my XXXX payment in early XXXX and found that they had reported me 30 days late for the XXXX payment even though a representative promised they would not. 

US Bank Home Mortgage now refuses to delete the 30-day late notation on my credit reports.
I have student loans from XX/XX/XXXX-XX/XX/XXXX. That keep showing up on my credit report. These federal student loans back days over 19yrs. I have asked for them to be removed and its still showing. 

I also have unauthorized hard inquiry on my account from. XXXX XXXX XXXX, XXXX XXXX, XXXX of XXXX. I also have a police report filled that I even have the companys the police report number. 

Policy report # XXXX
I went to the hospital sometime in I believe in XX/XX/2013.I didn't have insurance at the time or a job.I specifically told them to not do anything unless I qualify for free care.I applied for free care which they made me do and should have qualified with no problem because there was no income. Why I didn't receive it till this day I have no idea. But it definitely should of been covered. I called way back and told them this and also told them to please do no test unless I have coverage.I assumed that I had free coverage because they ran some tests.I later received a bill for {$5700.00} that was reported to all three credit bureau's.I called and disputed this bill but they have me jumping through hoops every time.
My wife received a call from National Check Resolution stating that we owed on a Payday loan, XXXX. They also stated that they where going to serve papers for a court case scheduled in two weeks. This scared my wife enough that she paid a reduced amount of XXXX verse the stated amount of XXXX dollars. 

I then called them back to verify what had happened. They told me a loan was taken out in XXXX of 2014 and paid to my XXXX XXXX account. NCR did have my XXXX XXXX Account 's last XXXX, my social number and home address. I told them I never filed for a payday loan in XXXX of last year. They told me it came from my homes IP address and that I should remember taking a loan out. They told me the loan amount was XXXX dollars. 

I verified through my bank, XXXX XXXX, that no deposit was made from XXXX XXXX in any amount. In fact hat no deposit of XXXX dollars are made to me account during the month of XXXX. 

They also stated they would not refund the money as it was a closed case.
TODAYS DATE:XX/XX/XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX, FL XXXX Equifax XXXX XXXX, GA XXXX XXXX XXXX XXXX, Texas XXXX XXXX, XXXX XXXX, PA XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX {$1500.00} REV {$0.00} {$0.00} {$0.00} XXXX WAS 60 XXXX/EF Late Dates : LAST LATE DATE XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$700.00} REV {$930.00} {$930.00} {$930.00} XXXX Late Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$700.00} REV {$930.00} {$930.00} {$930.00} XXXX CHARGE OFF XXXX/XXXX/EF I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX, XXXX and XXXX, Equifax et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX
walmart credit closed my account with no notification. I called and they demanded to run a new credit inquiry to reopen it. I did not request it to be cloed. This effects my available credit and therefore my credit score as would a new inquiry.
I tried to ask Wells Fargo if they could please help me investigate a scam issue that occurred to my account, but they refused to help with any issue as I 'm not a customer. I am a customer with XXXX XXXX XXXX that refuses to help me as well as I think it is the bank 's responsibility to help me recover the lost funds in my account and track down the scammers of the bad check. I should n't be held accountable for XXXX XXXX XXXX processing the bad check and allowing me to withdrawal the large amount from the processed check and depositing it into a Wells Fargo account as I was instructed to. Neither banks are trying to help me recover the funds nor catch the scammers. The local authorities are n't able to do much if the bank does n't cooperate. I believe it should be the bank 's responsibility to catch a bad check in a timely manner and help their customers in every way possible to prevent this from happening to other people.
e : Public Record on Credit Report Docket # : XXXX Plaintiff : XXXX Balance : {$270000.00} Dear Experian, I am writing to dispute the validity of the above referenced item pursuant to the Fair Credit Reporting Act ( FCRA ). The FCRA requires you to verify the validity of the item within 30 days. If you can not verify the validity of this item within 30 days, the law says you are obligated by law to remove the item. 

If you are able to verify this judgment, let me know whomever provided you with this information and the manner in which it was provided so that I can get to the bottom of this. Hiring a third party to verify this judgment is against the law. Also, do not look up this public record in the XXXX XXXX database or through the Public Access to Court Electronic Records ( PACER ) database. Or by a third party. Verify directly with the court.
Ally is asserting that a debt is owed of around {$12000.00} on a returned lease vehicle fees, but the lease was not returned, but rather it was purchased to avoid the expected fees. I have a copy of the released title of the vehicle from the North Carolina Division of Motor Vehicles, as well as a payoff receipt indicating that the payoff listed on my contract was satisfied. Ally has deliberately prolonged this collection efforts due to a personal vendetta against me due to words exchange between Ally 's representative XXXX XXXX and I.This has been a negative mark reported to the credit bureau that has falsely ruined my credit. I believe this is a personal attack brought about by XXXX XXXX trying to tarnish my credit and force legal action and drive unnecessary expense. I've asserted the same thing for over 3 years now, and Ally takes 6 months for a response each time I send correspondence.

Ally has since hired legal counsel to harass and collect debts and has threatened legal action despite my assertions being the same over the years that NO DEBT IS OWED ON THE PURCHASED VEHICLE.
My parents have a reverse mortgage with Wells Fargo. My father has past and my mother is now in an assisted living facility. We have worked to return the home to Wells Fargo through the Deed and Lue process and now through foreclosure. It is my belief Wells Fargo has completed numerous acts to delay this process so they can continue to collect interest on the loan which would affect the Federally insured loan. This process has gone on for almost 2years.
I am writing in regards to my son 's account, XXXX,, Account # XXXX. I am disputing this past due balance associated with XXXX for the amount of {$190.00}. I contacted the original creditor and they are unable to verify if they sent me an invoice for the amount due prior to sending this account to collections. In addition, they are unable to verify if the insurance was billed for said charges. I need the account turned back to the original creditor so they can bill my insurance correctly. We have a primary insurance & a secondary insurance - I should not owe anything since the secondary insurance covers 100 % of the billed charges. The original creditor can not validate if the insurance was ever even billed.
The short version as to what has transpired is as follows : After fighting with my insurance company for over two years I finally got them to pay for damages to my house in  XXXX . This came after having to get an attorney as well as an appraiser and ultimately a ruling from an official umpire. All of which I will have to pay ridiculous amounts of money to at my costs. Meanwhile while am fighting to get enough money to make proper repairs my mortgage company  (   XXXX   XXXX  ) with whom I am 41 months into a Chapter  XXXX  Bankruptcy sells my mortgag e to Selene Finance LLP.. The y were given partial repair monies from  XXXX   XXXX  as well as interest in  XXXX  of  XXXX  and the remainder of the repair funds from the insurance company around  XXXX  of  XXXX . The total is almost  XXXX  and all if not more will be needed to make repa irs. Selene Finance LLP is s tating that I must get a General Contractor to do all of the repairs even though my contract with  XXXX   XXXX  clearly states that I only need to use the money for repairs and that I am to receive these funds in draws with the mortgage co. performing inspection to validate the work gets completed before the money is given. I have repeatedly agreed to what the contract states which are identical to your regulations as well as th e State of  NJ, Unfortunately Selene continues to not follow the contract and will not let me perform the repairs myself and/or hire subcontractors even though I am a Construction Official for a large Municipality and have designed and built my own house previously as well as many remodeling projects over the years. There is no difference to them as long as all the work gets done, especially since all the work gets inspected by them before the funds are given and all the work gets inspected for code compliance by the city of  XXXX   XXXX . Meanwhile I can '' t get my house repaired nor can I resume collecting any rents ( which has made it extremely difficult to keep up with my current mortgage payments as well as my Chapter  XXXX  payments. I wonder if that is what they are trying to make happen so they can try and steal my house which I have owned for over 21 years. They have also refused to account for the whereabouts of these finds nor will they pay interest while they are illegally holding my money.  XXXX   XXXX  told me where my money was, that I could get my first draw whenever I decided and was paying me interest while they were holding it prior to the transfer of account  to Selene Finance LLP.  Only after Selene  Finance LLP  took over the loan did the problem begin. Please contact me if you have any questions and PLEASE HELP ME!!! I CA N'T AFFORD THESE DELAYS ANY LONGER!!! Thank You
On Sunday XXXX XXXX while shopping my debit card was not accepted by the merchant. I called TD bank and was informed it was turned of due to suspicious activity. I was glad they did that. I called the bank and found out that someone got my debit card number and used it XXXX times at a grocery store in XXXX for the amount of {$61.00}. I have never been t o XXXX. Even though I told them it was fraudulent they took my money anyway and wont return it for 10 days if at all. I am on a fixed income and can not afford to loss this money. 
I have been violated by the person that got my debit number and then by my bank.
I am purchasing a construction home. I was advised by the builder I had to use one of their preferred lenders in order to qualify for the XXXX closing cost incentive. So I did just that & I applied with the company loan depot. I was referred to work with XXXX XXXX which was a loan officer who worked with the NC 3 % down program which is what I was using for my down payment. He took my application & never disclosed any fees associated with doing this program with his company. He later ran credit and sent out the loan disclosures ( LE ) Once the disclosures were received I notice the 1 % origination charge. I called the loan officer to get an explanation for the fee. I was then told by the loan officer that it was a fee that XXXX charges for doing the bond program. I felt like that did n't sound right so I contacted my rep with XXXX to confirm this. She advised that was not true, In fact the fee was not a XXXX  fee, but yet a Loan depot fee they charge because of the amount of money they make on the XXXX bond loans are less to none they charge the 1 % origination fee to the customer to try to make up for some of the loss. I asked XXXX to waive the fee since was it never disclosed or explained and he declined. I then found another company willing to do the loan without the fee however I asked that XXXX provide a letter/email saying that it was okay to work with another lender so that I may provide to my builder and they allow me to still get the XXXX incentive for closing. XXXX forwarded me to his manager XXXX XXXX. I missed XXXX 's phone call & decided to call him back. Soon as I got on the phone I realized very quickly how terrible XXXX 's attitude was. He began speaking over me and belittling me. He made comments referring to me a " charity case '' because of me having to use the XXXX program to get my home. He also informed me that I had a listening problem several times. I asked him would he provide the letter/email that I previously asked for from XXXX & he laughed and said " No, I not giving you anything '' The phone call started to become very disrespectful and he went on to tell me there was basically nothing I could do about it because they do n't record their phone calls. I did let him know I would be moving forward with complaints to let people know how horrible I had been treated while attempting to work with this company.
I feel this issue is a negative impact on my account the bankruptcy was never filed in court it never went through any legal actions i feel the company does not want to help me by removing this issue off my account it is interfering with me getting things for me and my son and i just wish for them to remove it off my account if you look into the issue you can see that it never proceeded with anything
I am a XXXX year old female who bought my home in New Jersey XXXX years ago. Up until approximately XXXX months ago I was paying my taxes to the city. I did not want an escrow account. My mortgage and my property taxes were never late until my mortgage was bought out by another company. I went to the tax office to pay my quarterly taxes and they said that they had already paid them., to my surprise ... They told me the new mortgage company paid the quarter in full. I called them and they said that I must have an escrow account. They did not give me a choice. This is their rules, like it or not. Prior to this they never contacted me about such a change. Now my mortgage went from {$580.00} to {$1500.00}. My taxes for 2015 are {$9400.00} a year. 
My payment now went up {$940.00} instantly. I tried to explain my situation to them, that I get social security and a pension check monthly totaling {$1700.00} monthly. I also have XXXX part time jobs that pay $ XXXX.per month and the other {$1000.00} per month. When its all said and done I have {$1500.00} per month to pay all my house bills, food, car expense, insurances. You know that its not enough. At this point, I 'm looking for another job. 
After doing some research, I found out that if your home has 20 % or more equity into the home you own, it is against the law in New Jersey to force an escrow account on somebody. Also XXXX years ago, at the time of my closing, they asked me if I wanted an escrow account or wanted to pay my taxes on my own. I opted to pay directly to the tax office. In the state of New Jersey it is against the law to change it on me without my permission. I feel that I have been bullied into this. My credit score before this happened was over XXXX points. I 'm now afraid to look to see what it is now. Because I have other medical and dental bills I am paying off. I am very short on money. In the last 5 years I had to take a loan out for {$15000.00} for dental bills. I have since put my home up for sale because of this. What do you think I can do. These people said that if I do n't pay this bill, I will go into foreclosure. What can I do?
I am questioning account number  XXXX  with LVNV Funding due to the fact that I have sent several dispute letters to the credit reporting agencies and it comes back verified every single time. They are claiming that I owe {$400.00} to  XXXX   XXXX  on my credit report.   XXXX  I have contacted LVNV Funding to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act.
SYNCB/WALMAR XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX I have contacted both SYNCB/WALMAR and the credit bureaus 3 times for a signatured validation of this account and they have still not provided the validity of the account. They just state that its verified. The last communication was the following letter. To Whom It May Concern : This letter is regarding account # xxxx as reported on my credit report, which you claim my account was charged off {$590.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend  yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online