WillisBack/dataset-financial-user-claim huggingface dataset:
Starting on XX/XX/18 over {$18000.00} has been stolen out of a TD checking account. This happened several months ago and we opened another account. We had over {$400000.00} in this account recently but moved most to XXXX XXXX. Thank XXXX. 
My husband went to a local branch in XXXX yesterday and they told him they froze the account and more money was stolen. 

They didn't even notify us in any way. 
When this happens with XXXX we get an immediate text. 
We are going away for a few weeks and want this money back asap. 

XXXX XXXX
This company has contacted me when I told them not to contact me during my work hours which are XXXX XXXX to XXXX XXXX. I received a call at XXXX XXXX
XXXX XXXX, who is claiming to be an attorney, has called and text messaged me from XXXX XXXX numerous times after being told he is contacting the wrong person and has contacted me before XXXX multiple times. He has also called me from other numbers after being told I would not answer his calls. This morning he also forwarded messages to clients of my business. The debt is in my father 's name, he has called his place of work and numerous family members stating the amount of debt owed.
On XX/XX/2018, I filed a complaint ( Complaint no. XXXX ) against servicer XXXX XXXX XXXX for failure to abide by Florida Statute 501.137, see attached statute herein. The complaint was close because XXXX claimed that i was not authorize by my Bankruptcy Attorney to speak to them. On XX/XX/2018 & XX/XX/2018, the third party authorization was submitted to XXXX XXXX XXXX. See attached herein. Although, we have fax confirmation from both dates that it was received by XXXX XXXX XXXX. The third party correspondence from Bankruptcy Attorney XXXX XXXX, clearly reflects that i am fully authorize to speak to them and therefore authorize to file this claim. 

This claim should be taken very seriously. XXXX XXXX is refusing to pay fo the homeowners insurance. Under Florida statute lenders must pay for the insurance timely when ever the account has escrows. XXXX has made the false claim that can not pay for the insurance policy alleging we do not have an escrow account. 

Since the commence of the loan i have an escrow account. In fact, see attached copy of loan modification agreement with previous servicer XXXX XXXXXXXX XXXX. XXXX transfer the servicing rights and ultimately the loan is being serviced by XXXX XXXX. The loan mod reflects the amount deducted for escrows, also the XXXX statement confirms the same. In addition we have attached copy of the summary judgment that XXXX acquired in court. it reflects how XXXX paid for taxes & insurance in advance because the account is escrowed. 

At this juncture i am actively in a chapter XXXX, Bankruptcy Code, case no. XXXX. I am making monthly payments to XXXX, accordantly to the Chapter XXXX plan. However, as part of the negotiation, i was required to send my financial information to be review for loan modification. XXXX is reviewing the request, however as part of the loan modification process, escrows must be included in the trial plan. XXXX refuses to pay for the homeowners policy seeking higher payments by placing a forced placed policy. It is ridiculous on its face to claim i dont have an escrow account, when we have a mountain of proof that contradict XXXX poor excuse for not paying the insurance i provided pursuant to Florida Statute 501.137. In order for the loan modification to proceed we must have the insurance paid.
I monitor my credit reports weekly and found that a hard inquiry showed up on my XXXX report on XXXX/XXXX/2016. I contacted Citibank, the company that made the inquiry to find out why. I called the fraud department and spoke to XXXX, he would n't tell me his last name. I called on XXXX/XXXX/2016 about XXXX central time. Since I did n't have an account with them, they told me to disregard it. I told them I would not disregard it because it was affecting my credit and I wanted to know whether or not someone was trying to open an account in my name or if not then why they were pulling my credit. They then hung up on me.
This debt collection agency Recievables Performance is stating that I owe {$1900.00} on a phone bill. I have never recieved a phone bill from this company and i have never had any verification proof that this debt was mine. I have tried to dispute this online but have had no luck.
I had a mortgage service transfer from XXXX XXXX on XXXX I sent the quoted pay-off of {$8900.00} with a personal check. 
the company representative claims that it is not possible. 
The original loan terms does not require this. 
The company claims that the terms of the service transfer has not changed. 
This seems to be a untrue claim as a identical loan was paid off to XXXX XXXX with a personal check this last XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX act number XXXX
Upon checking my credit report, I noticed that Fair Collections and Outsourcing were reporting an account XXXX to all XXXX credit reporting agencies. For starters, I was not notified of the alleged debt before it was thrown onto my credit report, it suddenly appeared. Fast forward to XXXX XXXX, 2017, I sent a debt validation letter to FCO asking them to validate the debt. I received correspondence from them on XXXX XXXX, 2017 in the form of a package enclosed with the copy of a lease that bears an electronic signature and a statement of charges.This to me is not a form of debt validation, its basically FCO stating that they purchased a debt from a creditor and are trying to collect without proving that I have in fact have done business with them. After sending my second letter to them requesting that they send me proper validation, they responded stating that they will not respond to multiple request of me asking them to send proper proof of validation. I also disputed this collection with the credit reporting agencies and have since received feedback from XXXX whom stated that FCO sent back the account as " verified ''. They have since changed the way they are reporting on my credit report since I filed a dispute for removal of the account from my credit report. They changed the original name that they were reporting under from Fair Collections & Outsourcing to XXXX XXXX. How are they able to verify an account and change the name they are reporting under to the credit reporting agencies? It is their job to provide proper documents of validation in order to collect on as debt, and it is also their responsibility to report ACCURATE information.
I owed XXXX a debt of XXXX dollars which I have been paying. A " collection agency '' called IC Systems has been sending me letters to pay the remaining balance. I thought it was a legitimate collection agency. I paid them XXXX dollars with my debit card. Little did I know ... 

Two days later, I had charges of over XXXX dollars on my checking account. Someone was using my card in XXXX. I live in XXXX. When I did digging, I found out that this collection agency was fake. Using a fake address in XXXX, they currently operating in XXXX, XXXX. I have found that many other are falling victim the way I am.
I own many rental properties, and nearly all have washer and dryers for the tenants. We needed a washer and dryer for a unit so I went to XXXX to buy them on XXXX XXXX, 2015. The sales clerk advised me that I could save 5 % if I immediately opened an account. I did so. Upon receipt of my bill, {$3200.00}, I paid the bill in full by sending a payment to XXXX. 
Now I see on my credit report that XXXX is claiming I failed to pay on time and that I failed to pay a late fee. I was never advised that my payment was late, and did n't know of the issue until I recently received my credit report. I want this deleted from my credit report.
I did apply for a credit card online, trough care credit website, to cover my dental bills, I was approved at the moment but this is not the problem, i have been having troubles making my payments online, their system doesn't allow you to complete your payment process, and then if your payment doesn't process they charge you late fees when you tried to make the payment on time. 
My last bill was due on Saturday XX/XX/2018, when i logged in on my account to see my balance and make a payment, i was chocked by the increase from one month to another, when i checked on my XXXX transactions I found out that the interest charges for a month XXXX XXXX XXXX was for the amount of {$1300.00} calculated over a balance of 2,600.00. 
they are charging abusive interest rates and late fees, and the system works perfectly when you apply for credit but not when you tried to make payments online. 
thank you.
Source RM Receivables repeatedly calls me for what they claim to be a {$300.00} from a XXXX Hospital in XXXX XXXX. I dispute this bill as not mine or owed as I was insured at the time. In addition, they continually refused to provide me with their company name/ contact information/ and repeatedly refused to provide me with a supervisor to speak to ; just put me on hold and had the same representative I spoke to 'pretend ' to be a supervisor, when I repeatedly stated I do not owe this debt they stated they would put my account as 'refuse to pay ' as opposed to actually verifying any information with me regarding it being a legitimate debt.
I made a transaction with US Bank on XX/XX/18 and posted a payment in full on XX/XX/18. It was after I made a payment in full I thought the transaction was over, but apparently the bank account number they had was incorrect. This caused my payment to not go through. They did not alert me or send me any notice the payment had not gone through, which is a breach of their fiduciary duty to me, the consumer. They let the late payment sit for months without any contact to me that I was late due to a bank error from XX/XX/2018 until in XX/XX/2018 they flagged me for collections and reported me to the credit bureaus as a 30 day late payment. This flagging my credit reports is the only way I found out I even had a late payment. It was then that I called and immediately paid in full and the representative reversed all late fees and admitted it was an error on US Bank 's part. I have now been in a dispute with them because they refuse to remove the error from my credit report and it is affecting my ability to obtain a mortgage. I have no late payments on my report other than this one made in error and I have always had a clean report. US Bank is trying to bully me into letting this go, but their representative already admitted fault in that they never contacted me one time during the span of 4 months.
I was charged a " late fee '' of {$15.00} in XXXX 2016. When I questioned them about this charge, I was informed that it was not a late fee but instead was for the following : " The charge to the account was for a Broker 's Price Opinion ( BPO ). A BPO is not the same as an appraisal. A BPO is an estimated value of a property as determined by a real estate broker or other qualified individual or firm. One of the factors used by a broker is an estimate of any of the costs associated with getting the property ready for sale and/or costs of any needed repairs. Records indicate that the BPO was ordered due to the delinquency of the account. Ditech set up this charge as an advance to be collected in a payment of {$15.00}, beginning with the XXXX 2016 due date. As of the date of this correspondence, the remaining balance of this advance is {$0.00} as the fee was collected on XXXX XXXX, 2016. We are unable to comply with your request to apply the {$15.00} to the principal balance as this was not a late fee assessment. As of today 's date, there have been no late fees assessed to the account. '' The problem here is that my account WAS NEVER DELINQUENT and any confusion here was 100 % related to them misappropriating the payments that I made to them beginning a few months earlier. Furthermore, I have NEVER been charged any late or delinquent fees, NEVER received any notices that I was late or delinquent on ANY payments and I was never in a position where they would have to prepare for foreclosure nor was I ever informed that such action was taking place! Note : I filed a complaint with the BCFP at that time and this issue was resolved to my satisfaction.
Due to the fact that I am a victim of identity theft, I contacted the XXXX   credit bureau in writing on or about XX/XX/XXXX and I asked XXXX  to ask JPMorgan Chase Bank ( credit reporting company ) to promptly delete their 2 unauthorized inquiries ( dates : XX/XX/XXXX & XX/XX/XXXX ) from my credit file. Unfortunately, and as of this present date, Equifax has recently reported that these 2 unauthorized inquiries that are associated with the JPMorgan Chase Bank are still currently reporting on my Equifax credit file. ***RECORDS ARE AVAILABLE UPON REQUEST. ***
XX/XX/XXXX I applied for Chase slate credit card I was approved & soon I received my card, I started using the card for shopping and making balance transfers, suddenly on XX/XX/XXXX I received a letter form Chase card member services sating that the account is closed, I was extremely shocked I tried calling the 800 number and finally I was able to speak with a customer representative and he explained to me that the reason they closed my account was that they saw in their files that there are XXXX delinquent credit card accounts from XXXX & XXXX under my name I explained to the person on the phone that how can that be this is something impossible since I only Immigrated to USA on XX/XX/XXXXalong with my family etc. He answered that the Chase bank has take decision to close the account and there is nothing I can do about it..I wrote a letter to them providing information about the Identity theft that was a victim of and provided police report and wrote a rebuttal letter explaining to them that again that I am a ID theft victim and I dont have anything to do with the accounts opened back in XXXX & XXXX I did not authorize anyone to open accounts in my name I dont have only in XX/XX/XXXX applied for chase slate credit card I never dealt with Chase bank or Chase credit card before. 
Until now there is no action from chase to reopen my account.
On XX/XX/XXXX I purchase from a company called XXXX, a training package regarding internet marketing. The program portion was split up into 2 major training packages. Titanium/Platinum and Diamond. I used my Chase credit card ending in XXXX to purchase the TIT/PLA Combo using a credit of {$19000.00}. The remaining amount was paid with a different credit card. 
On XX/XX/XXXX the FTC shut down XXXX due to complaints that the company is a fraud. A Temporary Restraining Order was in place to stop the company from conducting any business, and a subsequent court order on XX/XX/XXXX made that TRO indefinite, essentially shutting XXXX down for good. 
I did not receive any of the services outline in the Titanium and  Platinum Agreement. The major portion of which is a training seminar in a location chosen by XXXX and continuing training and online services. I did not attend any of the promised seminars and any and all was not conducted due to the FTC shutdown of XXXX. I was not delivered the services I paid for and was promised to me. 
I placed a billing dispute with Chase on the card ending in XXXX. Chase has denied my claims, with no explanation as to why it was denied nor provided any proof that I received the services provided by XXXX.
I was contacted by letter from a XXXX XXXX XXXX by the name of ( Offices of XXXX and XXXX ) This indicates the office is located in XXXX, CA. XXXX and has a phone # of XXXX. 

The letter was not certified, and came through normal mail. The letter starts by saying ( NOTICE OF INTENTION TO FILE AN I.R.S. XXXX FORM. 

It's obvious the letter is a strong arm tactic to get me to pay them {$410.00} on a debt that was charged off on XX/XX/2007. It states the original creditor is XXXX XXXX. They provide no real documentation that this account existed or that it was charged off. They state the original charge off balance was {$780.00} and with interest the amount is {$850.00} Then states the total amount owed is {$1600.00}. 

They provide an account number that I can't verify it existed. The later states. XXXX and XXXX are willing to offer you two lower settlement options then what's owed to the IRS. This is a one-time offer and our last attempt to settle this account before submitting a XXXX to the I.R.S. 

I do know that I settle with a collection company once and will get copies of that from the lawyer I used. I also know that I was contacted by several credit company 's who purchased the debt and tried to collect after settling with that particular company. 

I don't understand how they can simply send out a letter with numbers attached and that is supposed to be satisfactory validation that you owe them money. I don't like that fact this is a strong arm tactic. No different then I am going to tell the police you punched me and unless you give me money I am going to call them. If I owe taxes on a debt that wasn't paid back, shouldn't I have received the XXXX form the year is discharged. which according to them is XX/XX/2007. Why wait almost 11 years. 

In one of the boxes it says they have a federal identification # of XXXX. I think this is unfair collection attempt. If I owe the government taxes, then I should have to pay the taxes once I get legal notice from the I.R.S. not a collection company.
I received an auto loan from Chase in the amount of {$14000.00}. I had concerns about the interest rate that was offered to me ( 5.84 % ) but, since the paperwork was signed at the dealership, I had no way of getting my questions answered. I reached out to Chase when the loan documents came in the mail and asked them to offer me an interest rate ( 2-2.5 % ) that better reflects my excellent credit score ( > XXXX ) and payment history ( never a late payment ). I received a letter from Chase stating that they could not refinance my loan because of my insufficient payment history and US residency status. As a matter of fact, I have an excellent payment history and I am a lawful US XXXX XXXX. If that was n't the case, why did Chase approve my loan in the first place? I find their behavior quite discriminatory. They are just coming up with excuses to avoid giving me the better financial terms that I am entitled to.
I requested a copy of my credit report prior to applying for credit and was told that they could not release it since there were multiple Social Security numbers showing on my report. They referred me to Experian, but all I could get was the automated response. Since my report could not be released I could not get an automated answer and they do not have customer service persons with whom I could discuss the problem. I have been rejected for credit XXXX because of this issue. Since I ca n't get a copy of my credit report, I do n't know how the wrong Social Security information got on my report. I ca n't file a fraud claim without being able to identify the incorrect information and I do n't know whether or not my file is being used for purposes of fraud and I ca n't correct anything on the report since I ca n't get a copy.
New Inquiry A new inquiry has appeared on your credit report. Here are the details of this inquiry : Date Reported : XX/XX/XXXXAlert Type Inquiry Processed Date XX/XX/XXXX Inquiry Date XX/XX/XXXX Inquirer Name XXXX Address XXXX XXXX XXXX, XXXX, OH, XXXX
This is in regards to my wells fargo credit card account ending XXXX. This is an account that wells fargo closed I believe because of the number of days delinquent it had become ( 3 payments behind with a balance of about 11K ). This happened around XX/XX/2018. A XXXX dollar payment was made in XX/XX/2018 and then {$7800.00} worth of payments were made in the month of XXXX. In XXXX I make a XXXX payment. In XXXX my credit card minimum payment is XXXX.. I made several attempts to have this clarified with no resolve. Finally, I reached someone but its after the due date. I paid the minimum amount due of XXXX prior to due date. I called the wf I asked how did you come up with a XXXX balance on XXXX. The rep then put me on hold for 10 minutes comes back and says we changed your monthly payment amount on XXXX to XXXX every month to help you get caught up. I told her she was a liar. That someone in the collections department or else where was attempting to illegally gains late fee 's on my account by causing a minimum fee amount that's to high. In addition its retaliatory for me being in collections. I can imagine that since XXXX was my min. monthly payment in the month of XX/XX/2018 that someone put a lock or something on my account to only post payments of XXXX or higher to roll the account out of delinquency. Thats fine and dandy that they do that but they have to remove it the following month or it creates issues. My current statement shows zero amount due in XXXX so if my minimum payment was XXXX every month why dont I have a payment due now. Just like their reported software malfunctions that occurred forcing homeowners into foreclosure. The american people know it was no software error. It was to clear out delinquency numbers so they could take one major loss come back the following quarter with better delq numbers since they flushed as many consumers out at one time. Tactical advantage when looking at long term stock growth.
i contacted my citi home depot credit card on or about XX/XX/2018 to tell them my bill i mailed them never got there so i had to cancel the check since it was stolen out of the collection box in front of the post office along with my vehicle registration to the DMV. I informed them i would make my minimum monthly payment at the Home Depot store either in XXXX, CA. or another one. and the next day i did!! yet on XX/XX/2018 I got 3 phone calls from them XXXX on Sunday XX/XX/2018 at XXXX XXXX XXXX, and XXXX. then the next morning, Monday XX/XX/XXXX they had the nerve to call me at XXXX XXXX in the morning, i answered this call and asked them why they were harassing me for {$58.00} after i called them two weeks ago and told them i had mail stolen. the rude jerk said we are required to contact you ... .er i mean we are authorized to call you when you account is delinquent. i asked him how longs my account been delinquent for? he said your 3 weeks late were allowed to call you after 3 weeks, or some XXXX like this. I asked him how am i late when i made a paymen on or about XX/XX/2018? and how many times have i been late in the past 15 years ive owned this credit card, he said he didn't have this information in front of him, but my XXXX bill is past due. so I asked him " Then why the XXXX are you calling my house 3 times yesterday, and then asked him why the XXXX hes calling me at XXXX in the morning when i just made a payment? he didn't have an answer, and started to make more excuses, so i interrupted him and asked him how much credit i was in debt for since i just called them a few weeks ago?? he said your account has an outstanding balance so were authorized to call you. I asked him so i owe you {$800.00} and you harrass me after 3 XXXX weeks after 15 years of NEVER being late, and calling you and making a payment? then i just hung up.
I have repeatedly submitted deferment request for military service from XX/XX/2018 -XX/XX/2018 and XXXX  continues to deny every request. 
I have uploaded copies of my XXXX  and have even gotten XXXX XXXX endorsement that I was on military XXXX  away from my normal location. 

___ I have also submitted multiple deferment requests for being unemployed since XX/XX/2018 - which have also been denied. 

The company posts Denial letters where the reason for denial section is BLANK. Email responses from the company state that I did not qualify, despite XXXX XXXX endorsement on the request form!