WillisBack/dataset-financial-user-claim huggingface dataset:
I am the personal representative for my deceased cousin, XXXX XXXX XXXX. My cousin passed away just over a year ago, XX/XX/XXXX. I was not provided with the Letters of Personal Representative until this XX/XX/XXXX. At that time, XX/XX/XXXX, I started visiting his banks and closing accounts. After closing his main checking account, and after providing evidence of his death, I was notified by TIAA-CREF that all automatic payments into the account from his retirement annuity must be repaid back to them. This seemed to make sense, but using that same reason, it also seemed fair to assume that all payments made from that account, using the money that was deposited to that account by TIAA-CREF should then also be returned to the account, or now, the estate, since the account is now closed. We contacted all those who received money from the TIAA-CREF deposits, and for the most part all have repaid that money to the estate, except OCWEN. OCWEN has failed to pay back {$9100.00} of the money they automatically withdrew from that account. 

XXXX XXXX for their part in this provided contact information to most of the parties that received automatic payments from the account. We had to contact each of those individually, some of which were XXXX XXXX branches, but they seem to have all paid back the money that was withdrawn from the account, except Ocwen. 

Ocwen, who received all proceeds from the sale of the house, states that the payments from the checking account were part of the sale of the house. We feel that Ocwen should have know of any laws concerning automatic payments from the checking account of a person deceased, and should have known they would have to return those funds. 

The house had lost value and was not able to be sold for the amount owed on the mortgage to Ocwen. A short sale was agreed to and when the house sold, all money went to Ocwen.
Capital One, an unfair organization, closed both of my credit cards which I had for over a year because couple of payments that I made did not get authorized by the bank. When I was receiving an alert after few seconds I was making the payment which was going through. To point out that was not the norm but an exception. 
On XX/XX/XXXX I processed a payment on both cards, on XX/XX/XXXX they closed my cards because they did assume that my payment will not go through and on XX/XX/XXXX they posted my payment made when they had already closed the accounts, without any warning or a letter. The fraud department that I had to speak to, was not professional at all.
I co-signed with my niece on a XXXX bar study loan in XXXX. The initial lender was XXXX XXXX which branched off to Navient. Repayment of the loan beganXX/XX/XXXX. My niece requested deferment of the loan and I started sending a remittance of XXXX per month XX/XX/XXXX The interest rate was XXXX and variable. After noticing very little of the remittance was being applied towards the principle, I called Navient. They explained to me that the loan had a variable interest rate. As ofXX/XX/XXXX, the amount due on the loan was XXXX with an estimated payoff date of XX/XX/XXXX. At this rate, the loan would never be paid off since only XXXX had been applied towards the principle over a 5 year period. As a result, I paid the XXXX in full on XX/XX/XXXX to avoid paying additional interest. I am respectfully requesting that your organization look into the loan practices of Navient. After almost 5 years of payments at XXXX per month, I should not still owe almost 15,000 on an original loan of {$15000.00}. Your prompt attention in this matter is greatly appreciated.
I called Navient on several occasions asking for All of my Monthly statements, but I have not received them. 
Since I didnt receive the statements I got a new loan through XXXX ( not knowing they were owned by Navient ). 
I am looking specifically to : late payments applied, misapplied payments, interest rate offered through XXXX at time of loan acceptance. 
I am No longer able to login to Navient to view my specific past monthly loan history. 
I believe the company has also changed the billing statements to be more confusing to the borrower. Originally, the balance would be listed after each payment, this was changed over the years.
I am filing a complaint about Equifax because they failed to provide me with the documents that they have on file, with which they used to varify accounts that I disputed. 
After 30 days Equifax responded frivolously. -Section 611 ( 5 ) ( A ) of the FCRA states that credit reporting companies must " promptly delete all information which can not be varified. '' Please help with resolution to this problem. Thanks.
A collection agency named Portfolio Recovery just reported a {$3500.00} collection account on my credit report. I have no idea what this is, and I don't think it belongs to me. Prior to this account appearing on my report, I did not receive a notice of my right to dispute. If I had, I would have contested this debt before they reported it. By reporting it without any kind of notice, they have violated my rights under federal collection laws.
XX/XX/XXXX I reviewed my credit report and found several inaccuracies i believe to be fraudulent. In XXXX i was a victim of the XXXX XXXX security breach by way of XXXX XXXX. I am requesting this information to be removed and blocked according to the FCRA.
I summited a complaint, against all 3 credit Equifax XXXX XXXX with CFPB CLOSED THE DISPUTES AND STATED I NEEDED TO SEND A COPY OF ALL INQUIRIES THAT I BELIEVE THAT ARE NOT MINE AND I NEVER GAVE PERMISSION TO RUN MY CREDIT, I HAVE ONLY 8 POSITIVE LINES OF CREDIT ALL OTHER INQUIRIES I NEVER GAVE PERMISSION TO ANYONE OR COMPANY TO TRY TO ACHIEVE CREDIT ON MY BEHALF I DEMAND FOR ALL FRAUDULENT INQUIRIES TO BE REMOVED BY EQUIFAX XXXX XXXX I AM UPLOADING ALL INQUIRIES THAT I DO NOT HAVE A IDEA I AM A VICTIM OF IDENTITY THEFT.
I am having a very difficult time with Bank of America. I am trying to avoid a foreclosure. The problem that I 'm having is I can not communicate with anyone from BofA to get any status or information on my modification review. When I call in and type in my loan number it goes to voicemail # XXXX. It 's does not seemed to be an assigned voicemail. When I leave a voicemail nobody calls back. I 've called several different departments and they say only the assigned rep can give me an update. I do n't know if there is an actual assigned rep. I 'm very concerned. It seems my file is lost in the dysfunctional BofA system.
In Summer of XXXX I had fraudulent charges on a Citibank Visa credit card. The charges were dropped by Citibank all but {$2.00} that were left on my account. I was charged late fees for charges Citibank said I did not owe on. Multiple phone calls were placed and received, concluding that I was fine and no further action would be taken. Six months later I received a call from collections asking for roughly {$65.00} owed to Citibank. I explained the story and they sent the charges back to Citibank where I attempted to resolve the issue further. Upon purchasing my condo in XX/XX/XXXX, I realized my credit score took a hit for being 120+ weeks delinquent for a {$2.00} write-off. This has directly affected my interest rate on my property and other purchases that I can not get approved on. I have exhausted all angles to resolve the issue with Citibank. They have made it impossible to reach a department that can make this right. I 've had credit cards for over 10 years and have never been delinquent on payments.
I need some help I have filed a bankruptcy and now trying to move on with my life, there is a Kohls Capital One listed on my credit file that was included in my bankruptcy which on my credit file it says It's a charged off owing XXXX I have called Capital One and they state it is in Bankruptcy as I tried to pay this even though it was included they would not accept any money but they have it listed that I owe. How is this right or fair? Please help Kohls Department Store # XXXX Date open XX/XX/2009 balance {$3300.00} reporting as a charged off
Paypal has a permanent block or restriction on my account which prevents me from using it and refers to following message : We recently noticed an issue with your account. To see what you can and ca n't do while your account is limited, go to the Resolution Center. 

Why is my account access limited? 

Your account access has been limited for the following reason ( s ) : XXXX XXXX, 2017 : We need additional information on your recent transactions and account activity. 

( Your case ID for this reason is XXXX. ) The Paypal reps I 've spoken with stated that account is actually closed due to number of disputes filed, some are apparently outstanding as they are requesting information according to the message above. If account is actually closed then I should not be able to log in and the restrictions placed on it actually state I am unable to close it. Needless to say, this does not make sense. Please advise Paypal to either remove block or restriction or simply close account
In XXXX of 2018 Ditech Financial claimed all of a sudden that I had a shortage in my escrow of approximately {$750.00}. How is this possible. The math doesn't add up. My payments have gone from {$530.00} to {$730.00} a month! No one will give me answers and customer service is almost non existent. I need this resolved immediately!
Judgment with Reference # XXXX, reported on XXXX/XXXX/2012 appears on my credit reports. Base on understanding, I do n't remember being served. I am writing this complain so that this judgment can be justified and/or removed from my credit reports.
XXXX XXXX XXXX XXXX, XXXX was collecting money on the behalf of Rapid Cash. They turn this account over to XXXX, XXXX XXXX XXXX XXXX. The account has been paid in full ( {$2600.00} ) File # XXXX on XX/XX/2018. I have checked my XXXX   credit report and this company XXXX XXXX XXXX XXXX XXXX XXXX name is on my credit report still reporting a balance of {$110.00} when it has clearly been satisfied. I have a letter from the above attorney office which states the debt has been satisfied. This incorrect reporting of inaccurate information need to be removed immediately from all three credit bureaus.
I am getting numerous phone calls from XXXX - Dynamic Recovery, who leaves messages to call them. Today I picked up the call and a lady continued to harass me over a debt by their client ( Do not know the name of the client ) that is from 2006. I do not have any debt and said this to her, however, she continued to harass and then became threatening in her tone of voice. I stated that she can not call me for a debt that that I do not owe plus it is over 11 years old. She stated that she can continue to contact me because the debt is due. I asked her to stop calling/communicating with me and that I will be reporting her to CFPB immediately. She then hung up on me.
Security Finance of XXXX, Texas has been calling me to collect a debt. They have called me numerous times at work. The calls started XX/XX/XXXX in which Security Finance contacted the Administrative Offices at my Job. I was sent Emails about these calls and warned about personal calls. The phone number was always the same number which is from Security Finance. XXXX, a man by the name of XXXX called me, a XXXX called me, XXXX called me. I received numerous calls and I asked the Security Finance not to be calling my job. They were sent a written notice in the mail XX/XX/XXXX. On XX/XX/XXXX, XXXX from Security Finance called me on my cell phone regarding the debt. I told her I did n't have any money right now and that I am pending a filing on the bankruptcy. XXXX said well, call me back to see if you can make a payment. I told her to make sure no one calls my job. This is the XXXX time I told this to XXXX. On XXXX, a call was made to my job after a notice was sent and Security Finance notified not to call me at my job. A young lady picked up the phone by the name of XXXX. She was very rude and stated that she did n't see any notes indicating I asked not to call my job. I asked to speak with a Supervisor. I spoke with a lady named XXXX and told her of the incidents. She claims they did not see the notes. Today, I was told that I could not get personal calls at work in Administration. I was verbally warned that if the calls continue, I would be written up and possibly fired. I feel that Security Finance has over stepped their boundaries of calling my job when told numerous times not to call. These type of calls have led to harassment type of calls. Security Finance 's excuse was that they could not get a hold of me which was a lie because I had just spoken with XXXX XX/XX/XXXX and they called my job XX/XX/XXXX.
I am writing to you because I am not getting anywhere with the credit bureaus and collection agency. I feel my rights are violated. On XX/XX/2018, I and XXXX  XXXX  made a settlement agreement on this date. I told them I need something that states this account will be settled if paid by XX/XX/2018. On the phone, we agreed in {$440.00} on the phone. They were supposed to email this letter that day, but they did not. I had to call them back telling them I did not receive this settle letter that day. Prior to making this agreement, I was paying XXXX dollars a month. I received this letter on XX/XX/2018. That same day, I had my bank to overnight them a check for {$440.00} because this was the amount we agreed on over the phone. They received my overnight check on XX/XX/2018. Confirmation of the transaction from XXXX  XXXX is XXXX. I have been going back and forward with credit bureaus. I had to send in at least 4 reinvestigations. Each time XXXX  tells they are reporting accurately. I sent them all of my documents by mail. The documents I am sending you is the same documents I sent them. How could they let this company do this to me? I do not understand if they have my proof why I have to keep calling them and the company keeps telling them this account is not settled.
Additional documentation to the original compliant : XXXX. Attached is the Tax Assessment. They have valued the property at a different amount than Wells Fargo is claiming. Wells Fargo is claiming the house is upside down.
My mortgage company city mortgage would rather foreclose on me then except my monthly payments. I 've been fighting with my mortgage company for two years or more. I believe this is predatory lending and fraud. I went through a modification I signed off on the modification and they still foreclosed on me.
A balance transfer was made from my Wells Fargo Visa card account to my XXXX XXXX XXXX XXXX account on XXXX XXXX, 2016 in response to a Wells Fargo Promotional Balance offer solicited by mail to me ; the transfer was for {$10000.00} with a 4 % balance transfer fee, and I would enjoy a 2.9 % APR for 12 months. 
In response to questions I made, it was stipulated that " payments above your Minimum Payment Due will be applied to your highest rate balance first ''. 
My complaint is that payments I have been making, all above the Minimum Payment Due, have been paying down the Promotional balance with a 2.9 % APR, which is now reduced to {$7000.00} from the original {$10000.00}, while my Purchases Balance remains at about {$2500.00}, with a 17.1 % APR. 
This practice is a case of a fraudulent and mis-leading promotion which is contrary to common sense for a consumer taking out such a transfer with a 4 % fee, and not enjoying the promotional APR of 2.9 % for the full term on the balance transfer amount.
In the letter that was sent to me, there was no information on how to dispute the debt or how to ask for debt verification. They also stated " You have TEN ( 10 ) DAYS to make satisfactory payment arrangements or a Civil Suit MAY be filed against you.
On the Chase Website they advertise a no risk/zero liability ATM card. The website also claims they have sophisticated software in place that will alert you to any possible fraudulent charges. My card was charged {$3400.00} over a four month period as shown below. 
Month Day Amount Gas Station XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The company will not credit any charges over 60 day as it claims that is stated in an agreement I was sent but I never saw. It does not state this policy on their web site. In addition to the false advertising I am concerned the Chase Fraud Department may be complicit in the fraud as my alert on my card is set for charges over {$100.00} and somehow the criminals knew only to charge up to {$100.00}. When I spoke with the Fraud department and asked why they did not catch this egregious violation ( who gets {$100.00} worth of gas every few days plus there is a well know scam with card readers at gas stations. These transactions should have been flagged by their fraud department before we ever got near 60 days. ) I was told they do n't flag gas station transactions like they do transactions that occur 100 miles from home.

I was 100 miles from home visiting family in New Jersey in XXXX where I used my card. At the same time fraudulent charges were being made at gas stations in Florida. Then again in XXXX I was two places at once. According to their own Fraud Department this should have raised a flag. If it had it would have fallen within the 60 days and I would have been protected. 
What is the purpose of a Fraud Department if not to protect the consume from fraud? Between the malpractice of the Fraud Department not picking up multiple {$100.00} gas station transactions days apart and sometimes on the same day and their not asking, " How can the same person be using the card in NJ and FL over the same time period? '' Plus the false advertising I decided this needed to be reported.
i defaulted on a auto loan at ally bank on XX/XX/2013.i noticed recently that every 3 or 4 months they remove the negative entry off my credit report and a completely new entry with a small change in the balance will appear a couple of days later, sometimes only penny 's in difference. therefore restarting the time statutes back to seven years.they constantly do inquiries on my credit reports damaging my score.if the loan was charged of f on XX/XX/2013, why do they keep tinkering with dates, balances, etc.after 4 years in Texas they can not legally sue in court that is why ally bank keeps renewing the credit entry as a new debt with a new balance and a new time statute.this kind of activity does not seem legal to me.
I closed my checking account on or about XX/XX/2018. My XXXX pension check was sent to the bank ( direct deposit ) and received XX/XX/XXXX. Instead of sending the check to me at my home address, the bank ( having rejected it ) sent it back to XXXX, which then sent it ( hopefully -- it hasn't arrived ) to me. 
This roundabout way of fund transfer is unacceptable. Why must I ( a XXXX citizen on a fixed income ) be forced to wait extra time for a check -- especially a fairly large one? This policy is discriminatory and must be changed. Thanks.
XX/XX/XXXX they started calling my boyfriends family, and even his ex wife that i dont know. they called them multiple times and said that i used them as reference, i never given them references. They gave my info to my bd ex wife who has been harassing me. And now she knows my info. I dont know how they got her number. I dont even know those people who they called. I told them to stop calling but they just keep on calling and telling everyone that i have a debt.

XX/XX/XXXX They started calling my uncle and aunts that i dont see in 10 years. Saying i will go to jail and need to find myself a lawyer because they will sue me.
There is a remark listed from a collection agency which is false information and inaccurate. I tried to dispute with no outcome please help
Since XX/XX/2016 the Bank charge me for almost eleven months : - XXXX XXXX   {$39.00} - XXXX  {$97.00} As a retired woman I programed my electronic monthly payments in {$70.00}. 
One day I received a letter that I was behind and my new payment increased to {$240.00}. 
For more than 4 months I talked to them back and forth, finally they response telling me that they can reimbursement only the last 3 months and that it is. So I started talking with the companies involved and they were agree to talk to the bank to reimbursement but the bank making adjustment as XXXX or XXXX, XXXX and XXXX I can not to follow them. 
The Bank did not want to decrease my debt in order to continue with my regular payment of {$70.00}. 
They insist to increase my monthly payment to XXXX so I closed my credit card and stop to make a payment and they continue with interest charge for purchases for {$51.00} monthly.
Portfolio Recovery Associates repeatedly calls my work using different phone # 's. When I do answer either nothing is said or they are completely rude and arrogant.
On XX/XX/2016  at XXXX I entered my local PNC branch located at XXXX XXXX Florida XXXX.  I was there to make 3 separate transactions.  The first transaction was to deposit checks in the amount of XXXX into my business account.  The second transaction was to cash a check in the amount of XXXX  The third transaction was to exchange XXXX in small denominations for XXXX in XXXX.  The teller took the checks, and cash behind the window.  As I waited for my transactions the branch manager and I talked for a few minutes.  I saw the money machine dispense cash and the teller walked over and grabbed it, then walked over to me.  She gave me my deposit receipt that I have attached here, and she counted out XXXX XXXX bills in the amount of XXXX. She asked if I wanted a envelope and I said yes.  She gave me the envelope.   I walked out of the bank never receiving my last transaction which was XXXX in XXXX bills.  I went about my busy day and went home.  I counted my money when I got home and realized I was XXXX short.  It suddenly came to me that the teller never completed my third transaction, and I was never handed the XXXX.  By then it was too late to call the bank.  I waited until the next day, XX/XX/2016, and as soon as the bank opened I walked in and asked to speak to a manager. No one was available.  I explained to the employee what took place.  I was told I would be contacted.  I was contacted later that day by the branch manager and was told I would be contacted Monday, XXXX.  I was never called. I called the bank at XXXX and was told that the branch will have a security man look at the video the following day which was XXXX.  I received a call from the bank on XXXX.  I was told that the tellers till was accurate and that no action will be taken regarding my missing money.  I drove to the bank to speak to the manager.  She has a brief meeting with another teller before I was asked to enter the office.  I was told that no action would be taken on my behalf.  I asked about the video and the manager and her assistant told me that the video showed the teller counting out XXXX XXXX bills.  I asked to see the video, and I asked for some documentation stating that a professional reviewed the video and that I was handed XXXX.  I was told that they could not help me.  I contacted PNC cooperate office and was told that I have to wait several business days prior to any information pertaining to this matter.  I was never given the XXXX that the teller took behind the counter to exchange for larger bills.