WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2015, I made a mobile deposit of {$500.00}, check # XXXX, To my Chase Bank checking account. The check was written from my XXXX checking account and was made payable to myself. On XX/XX/2015, the XXXX check cleared into my Chase Bank checking account. On XXXX XXXX, XXXX XXXX deducted another {$500.00} claiming that check # XXXX was cashed or deposited at XXXX XXXX. However, they realized they made a mistake because that check was already deposited into my chase account back on XX/XX/2015, XXXX XXXX returned my {$500.00} back to my account on XXXX XXXX, 2015, On XXXX XXXX, 2015, Chase Bank automatically withdrew {$500.00} from my checking account. When I called to find out what happened Chase Bank claimed that the original check was cashed at XXXX on XXXX XXXX, 2015. So according to Chase the check was processed on XXXX XXXX, 2015, which is the mobile deposit I made ; and processed on XXXX XXXX, 2015 at XXXX. However, I do not own an account at XXXX and it seems like someone stole that check I made the mobile deposit with. Seems like I never voided the check but the fact is, that check was stolen from me and someone pretended to be me at a bank in XXXX. The check was made payable to myself. Being that it is an XXXX Bank check, I have gone several times to XXXX XXXX to try and file a fraud claim or lost check claim but they keep telling me that it is not there problem and that I need to deal with Chase Bank since they withdrew the {$500.00}. So when I go to Chase Bank they tell me since it is an XXXX XXXX Check that was stolen they can not help me. However, why would Chase release my funds to another bank when the original deposit was made via the mobile app? I have filed a police report already. I also have proof of the mobile deposit clearing on XXXX XXXX. I have also attached statements showing that XXXX XXXX debited another {$500.00} for check # XXXX to XXXX but returned it 3 days later realizing their mistake. Chase needs to do the same. I attached a chase statement showing the original mobile deposit for check # XXXX clearing on XXXX XXXX, 2015, Then a automatic withdrawal of {$500.00} on XXXX XXXX, 2015, to pay XXXX ; When Check # XXXX was deposited once already back on XXXX XXXX, 2015. I have filed a police report due to the fraudulent cashing of my check # XXXX in XXXX. However, no one wants to help me. I do not who is supposed to help me. Is it XXXX XXXX because it is their check? or is it Chase Bank cause they released my funds to XXXX when the check was already deposited on XXXX XXXX, 2015. 
None of the banks want to take responsibility. I really hope this can help resolve this issue. XXXX of the banks has to get my {$500.00} back from XXXX and no one wants to do it. To sum everything up check number XXXX was stolen from me and cashed it on XXXX XXXX, 2015 at XXXX. when the check was originally deposited into my chase account via the chase mobile app deposit feature. How can XXXX bank cash a check written in my name when I do not even own an account there.
My loan was sold a short time later to Pacific Union Financial, and serviced by XXXX. Everything was fine until the servicing transfer to Pacific Union Financial. Every payment was made on time and in full. Pacific Union Financial sent us a letter, demanding almost {$2000.00} to " catch up our escrow account ''. I immediately called the servicer and they explained that our escrow balance was short, but they could not explain why. It was balanced at the beginning of the year, and the monthly escrow payment XXXX is more than the amount of our taxes and insurance. They offered to send me a pay history to help me figure it out ( I thought that was their responsibility ). I asked them to note that the escrow account shortfall was in dispute, while I researched the pay history and that we would reconvene as soon as I had a chance to review their documentation. The documentation took three weeks to arrive, and it came when I was XXXX XXXX, so I did not have a chance to review it immediately. There was no further contact or instructions. This morning, someone stating they were with Pacific Union Financial called me at XXXX demanding payment in full of the escrow shortfall or my agreement to a new monthly payment that is nearly {$300.00} more. I explained to her that I had previously spoken with someone and that we were investigating the shortfall. She stated that if we did not immediately pay the increased amount, that it would be recorded in our history as a short pay and that negative information would be reported to the credit reporting agencies. I explained to her that this is inappropriate, because I had not had enough time to review their documentation and that I considered their request to be disputed. At that point she became very argumentative with me -- threatening all sorts of XXXX and raising her voice. The call went over an hour with a very argumentative and harassing tone. We have never missed or short-paid a mortgage payment, since our first home was purchased over 20 years ago. We have an excellent credit history and payment history with this company and for them to use strongarm tactics and threats is very disappointing.
Western union is irresponsible, not calling me back when the money transfer make was not deposited into my account on the date they promised. XXXX usd was transferred and they still could not trace the money after 5 days has passed. 
XXXX XXXXXXXX
i sent {$750.00} to a friend of mine on paypal.. Their Paypal Accoutn was subsequently 'frozen ' and asked them to verify their account by adding a BANK Account. They do not have a bank account, so they ca n't verify. They want to send me back my money but they ca n't now. I am now out {$750.00} of my hard earned money due to this issue. They will not respond to any questions or support. 

Please help!
I have contacted Bank of America via certified mai l 4  consecutive times asking them to validate this negative information reported on my credit reports. On   X/XX/XXXX   #  XXXX  on     XXXX     #  XXXX  &amp; #  XXXX  And on   X/XX/XXXX   #  XXXX  after disputing this account with the credit bureaus Bank of America refuse to validate this debt pursuant to the Fair Debt Collection Practices Act. And as you see i brought it to their attention after receiving the results of the  Investigation  per my   XXXX   credit report they said they validated this debt but neglected to mark it as disputed within 30 days of the dispute. Bank of America has yet provided me with any contract bearing my signature showing that I have or ever had some contractual obligation to pay them. But still mark my credit reports with negative marks.
XX/XX/2018 sent letter to them to validate the debt, but they ignored my letter and put on credit with no proof that its mine!
Upon discovering this debt on my credit report, I disputed through each of the credit bureaus multiple times. It had only been removed from XXXX through that method so I then made direct contact with Portfolio Recovery by letter to dispute the debt. I have asked for validation of the account and each time I have received nothing back but a statement of charges. This does not validate the debt as mine. I also have never entered into any kind of contract with Portfolio Recovery and am not obligated to pay them. On XX/XX/XXXX I submitted a letter to Portfolio 's Dispute Department via email to XXXXXXXXXXXX. I asked them to provide me with any and everything that would prove that the debt is mine, including a copy of the written agreement that created my original requirement to pay. <P/>I later received a letter dated XX/XX/XXXX stating that " PRA, LLC has obtained and reviewed the attached documents related to this account, which establish its validity. '' The only documents attached were copies of some account statements showing the charges. There was nothing indicating that the debt was indeed mine. <P/>I disputed the account directly again on XX/XX/XXXX. <P/>On XX/XX/XXXX I received the same exact letter and statements as I did after the last dispute. Again, nothing validating the debt as mine.
upon checking my credit report it was brung to my attention i have a account with XXXX upon contacting them and asking them to validate this account as mine and as me being legally responsible to pay this debt. i was informed it wasnt my account and my social was pulling as a authorized user
On XX/XX/2018 I purchased a brand new XXXX from XXXX using my XXXX  XXXX XXXX credit card for a total of {$590.00}. The item number on XXXX is XXXX. The PayPal transaction ID is XXXX. On the listing the seller stated to have had the phone fully paid off as well as having a clean IMEI number. The phone was received brand new and functioned properly for 2 months. The phone stopped functioning in XX/XX/2018 because XXXX blocked the phone from having cell phone service. I contacted XXXX and they told me that the phone had been blocked due to the phone not being paid off. I reached out to PayPal/XXXX immediately and submitted a dispute. I received a response a few days later after they completed their review and they said the case was not decided in my favor. They stated that the " seller had sufficiently described the merchandise ''. I submitted proof from XXXX to them that the phone is not functioning because it is not paid off. Clearly, their decision is erroneous and this transaction was fraudulent. The phone is completely non functional and it's not for any reason of my own. I am requesting a reimbursement of my purchase in the amount of {$590.00}.
DURING MY DIVORCE, MY EX-WIFE USED MY CHECKING ACCOUNT AND INFORMATION TO OBTAIN A PAYDAY LOAN FROM XXXX XXXX. I DID N'T KNOW ABOUT THIS LOAN BECAUSE SHE GAVE THEM WRONG CONTACT INFORMATION. NOW I 'M CONTACTED BY A COLLECTION COMPANY FOR XXXX XXXX. I INFORMED THEM THAT THIS IS NOT MINE, I HAVE FILED THE FRAUD PAPERWORK AND SUPPLIED THEM ALL OF THE INFORMATION FOR MY EX-WIFE. THEY STATED THAT THEY DO N'T CARE AND THAT I HAVE TO PAY IT. I TOLD THEM THAT OUR DIVORCE WAS IN THE LAST STAGES AND I HAD LEGAL SEPARATION PAPER. PLUS, WE DID N'T LIVE TOGETHER FOR THAT YEAR. THEY STATED THAT I WOULD HAVE TO PAY IT OR THEY WILL SUE ME. 
I TRIED TO REACH OUT TO XXXX XXXX BUT THEY REFUSE TO HELP. STATING THAT I HAVE TO PAY IT OR THEY WILL SUE ME.
We refinanced our mortgage and home equity loan, leaving Green Tree and going to XXXX and closed on XX/XX/XXXX XXXX Mortgage wanted us to pay our own homeowners insurance and property taxes, NOT have an escrow. We agreed and our insurance company XXXX also agreed; we stared paying directly then. However, Green Tree had over XXXX of our money in escrow and erroneously sent it to XXXX, not to us. On XXXX I talked to a representative at XXXX, made it clear we did not want to pay that on our insurance (which we were already paying monthly to them). XXXX said it is illegal for them to send our money directly to us - they are required to send it back to Green Tree for Green Tree to return to us. XXXX "complicated billing" staff assured me the check would literally be mailed to Green Tree on XX/XX/XXXX. On XXXX I spoke to a representative at Green Tree making it clear that we did not want Green Tree hanging onto our money for a month so they could make interest on it (when this is done with many customers it adds up to a great deal of money).  Green Tree rep assured me that "since the account is closed the check will be forwarded to you" when Green Tree receives it.  Today - XX/XX/XXXX - I called Green Tree and was told that the check mailed on XX/XX/XXXX allegedly was not delivered to Green Tree until XX/XX/XXXX and was logged in as received on XX/XX/XXXX.  Now they are claiming that we will have our money back in XXXX days.  It appears that someone is making interest on our money which they have no right to have at all.  In fact, we are losing interest we could be making on our money if we had it.  I cannot believe this is legal.
I have not worked for over 3 years and have reported this to my student loan. I filled out the form for financial forbearance and sent it in. I began receiving harassing calls from Pioneer Credit Company at which time I told them that I was out of work and could n't pay, and to please stop calling and harassing me and when I got a job I will pay. The harassing phone calls did not stop. After I stopped answering the calls they began to harass my wife and now my neighbors. They have left messages on my neighbors phone letting them know that they are trying to collect a debt from me. They are telling my wife that it is her responsibility to pay for my school debt.
The company by the name of DEPT OF EDUCATION/XXXX is reporting on my credit report. These loans where sold to a company by the name of XXXX. XXXX is also reporting late fees on my report which has been consolidated. All of the XXXX accounts have been on my report before XXXX and open since XXXX there XXXX accounts they are reporting to my credit.
Of the course of the last two months I have been working with XXXX and 21st Mortgage Bank on getting s loan modification approved. I had to take out two loans to repair my home a year ago because during the first year of my mortgage 21st Mortgage made me use their insurance company and theres company would not pay for repairs to the home. I used my personal funds, I borrowed from family, and took out loan to save my home from falling apart. The company reimbursed me some of the funds after around a year in a half, however I still am making payments for those loans. XXXX rep advised me to miss one payment so I would qualify for their program for loan modifications. I told 21st Mortgage rep this as well. After, the payment was missed XXXX told me they dont work with 21st Mortgage and 21st said they dont do loan modifications. After speaking with XXXX again about me feeling lied to on XX/XX/2018 the representative got very rude with me and stated I dont even know why you are still having this conversation with me. 21st Mortgage manager claimed everyone does not know what XXXX is and they do not record their conversation and that Imam blaming them and XXXX for my issue and I have called both companies and told each company the name and what program I was doing for two months and neither knew about each other not working with one another. After basically screwing me over I am wrong? I want an apology and this to be investigated because some from both companies should have told me they did not work with each other from the beginning and I should not been told to miss a payment to qualify if they were not going to help me with my mortgage issue. 
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Carrington Mortgage brought our Mortgage from XXXX XXXX XXXX. They took procession of the loan on XXXX XXXX 2016. At the time they took over the loan we were paid up to date. ( NO missing or late payments ). Carrington started off saying we owned the XXXX payment. We 've called, faxed, sent certified letters showing we made the payment, but yet, they insist we are behind. We sent them the statement we received on XXXX XXXX from XXXX showing we were current ( NOT missing a payment ). Anyway, Carrington insist we are now behind over {$5000.00} because for some reason they hold checks and cash checks WITHOUT applying the funds to the mortgage. Calling and talking to them is like talking to a brick wall. No one keeps records of anything!!!!
In XXXX of XXXX my husband became very ill requiring several weeks of hospitalization. He has always paid and handled all finances for the home. In trying to take over all payments of the bills, it came to my attention that a loan modification had taken place, as far as I have been able to research on or about XXXX. My name was not on the loan. My husband was apparently told that they didn't need my income to quality for a loan modification. The application was processed without my knowledge of being removed from the mortgage. 

I have contacted a lawyer, and was advised a loan modification should not be done to remove a person from the loan. If the home was in jeopardy of foreclosure, my income was provided as part of the process. 

Since my husband has been ill this has left my hands tied trying to pay for my home that I have lived in and supported in payments for close to 23 years. I have contacted Provident to obtain the documents they say I signed. I have never signed anything that I was aware of to be removed from this mortgage. I am on the deed, and this has been difficult to say the least to sort through. Provident did not provide due diligence to protect my assets in the home I have been paying on for years. I have been since XX/XX/XXXX trying to get the home back in my name, since my husband was diagnosed with XXXX. This has been a hardship for me and an expense I should not have to take on at this time in my life.
Hello, I am filing this complaint against Trans Union credit bureau. They are reporting inaccurate information on my credit report. I have previoulsy disputed the information on my credit report and have n't received a resolution to the matter. There are several accounts reporting that do not belong to me as well as all inquiries I have reviewed on my report. I have filed a police report in regards to this matter. I am requesting that all hard inquiries be removed immediately as well as the 5 accounts in collections that do not belong to me as mentioned before! They were also inquiries that were removed and added back to my report with giving me 5 day notice which is required by the FCRA. This is a violation of this statute. I will continue to pursue all actions accordingly until this matter is resolved. I have provided a copy of my identification to speed up the process.
I made two payments using a check from another bank ( XXXX ) to pay my balance down as XXXX was offering me a 0 % transfer. I accurately submitted the checking ( from XXXX ) information online into Synchrony 's web site. Unbeknownst to me Synchrony attempted to process the payment ( s ) as cash advances. XXXX rejected the transfer as this was not the intended purpose. I continued to make payments with my normal checking account as I had recurring payments set up so despite the 2 rejected payments I never missed a payment or was late. From my conversation with XXXX this was a clerical error on Synchrony 's end. Despite this Synchrony cancelled my account and referenced " dishonored payments '' for the reason.
Equifax is by far the most uncooperative company I 've ever had the ( dis ) pleasure of interacting with. Their website has an option to dispute items on your credit report but it never functions. I have, along with my mother and husband, attempted to use their website daily for weeks. It will ask verification questions that do not pertain to the person who is submitting the request and then rejects. We also attempted using the free annual method but same questions are asked and it rejects the request. This issue is misleading and can make consumers believe they are a victim of fraud when really Equifax is just making it impossible to access information to which we are legally entitled. Calling them has proved useless as well since they simply say sign up for the {$19.00} a month service and you can bypass the trouble. I should n't have to do that and it seems they are causing these road blocks to make a profit. XXXX and XXXX were perfectly functional and disputes were submitted without headache ... yet I still ca n't seem to get into Equifax. I ca n't even get the 90 day fraud request submitted as it gives the same error. They told me the only option is to print form upon form and mail it to them in XXXX along with every identifiable piece of my existence ( Birth Certificate, DL copy, SS Card, Rental Agreement, etc. ) which would be detrimental if intercepted!
I opened up a personal loan from Lending CLUB in XX/XX/XXXX. I paid on time on this loan for 1 year and 6 months. I paid {$4000.00} dollars on it in XX/XX/XXXX. I also made what I thought was my last payment on XX/XX/XXXX for {$300.00}. I made a mistake and thought the payments were done, and the balance was XXXX. I stand corrected, HOWEVER II was not notified from Lending club by phone or email that I was late on a pyament and still had a balance. They told me I did not want them to email me. I did not know that the remaining amount was left and ended up missing a payment. I found out when I checked my credit and it had gone down 48 pts. I got this loan to increase my score and make reliable payments as I did. I would never have made all payments in a timley manner and big sum of {$4000.00} dollars to turn around and totally MESS UP credit score that i have worked so hard to get " good ''. by missing a payment I did not tell them not to let me know I owed them money. If Lending Club would have contacted me I would have for sure made the payment right away. I am now unable to purchae a home. I akded them to work with me and told them I would pay it in FULLin one day if they could please remove this late payment off my credit. They did not let me know I was late and are not willing to work with me. I really would like some help on this matter. PLEASE PLEASE hold LENDING CLUB resposoble fro telling a aonsumer they know they owe the money so a innocent mistake causes them their lively hood
I received a letter today from XXXX XXXX saying Portfolio Recovery purchased a account reported under identity theft. In which the original creditor received the theft report & case number from the police department. They sold this debt and it is not mine. I do not have a contract with XXXX XXXX or XXXX XXXX XXXX XXXX, I also feel I shouldn't have to keep sending the same information over again. 
I have requested validation also multiple times from their client to only be sent printed out statements That do not bear any original signatures. This is not a valid debt I do not owe this alleged account & will pursue legal action if placed on my credit report. I also request all copies of original contracts or payments bearing a Real signature. They client rep advised me this account was opened online & they have no contracts.
I purchased a money order from USPS the money order how ever got lost in the mail I purchased tracking of the money order also to prove to the bank that it was not cashed the bank denied my claim and since has put my account in a negative balance and is reoccurring overdraft fees and since I get my check direct deposited they are going to take my whole check come Friday. This is absurd I have rent to pay once again as in result this is not my fault.
I am being charged a {$34.00} insufficient funds fee by Chase Bank, which is dated XX/XX/XXXX but was not charged to my account until XX/XX/XXXX ( I know this because my account continued to show a positive balance on XX/XX/XXXX at just after XXXX AM ). This has occurred on previous occasions, and despite several attempts to resolve this issue with Chase Bank, they remain unwilling to resolve the situation. I have advised several representatives of Chase Bank that I am unwilling to pay a fee for insufficient funds when I had a positive balance in the account. This amounts to nothing more than deceptive business practices and borders on consumer fraud.
Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which is a FCRA violation. XXXX and XXXX have started investigations based on the exact same request, I sent required information i.e. their internal file number ( XXXX ). Additionally, Experians delays add up to more than 30 days which also violates FCRA rules. Please investigate this pattern of gross violations of my rights. I plan to take legal action but I want to create a paper trail.
On XX/XX/2018 citizens bank enter a hard inquiry on my credit report. I never gave them permission or did I ever contact these people on any service. Thank you