WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX and XXXX someone made several transactions using my sons account that I am listed as a co-owner of. There was a {$500.00} cash deposit, followed by visits to XXXX Wells Fargo offices in XXXX XXXX and XXXX all within XXXX minutes of each other to cash checks. The majority of those funds were received as cash back with the rest being deposited into the account. 

The transactions are as follows : XXXX XXXX {$500.00} cash deposit at Wells Fargo XXXX XXXX XXXX XXXX {$620.00} check deposit with {$490.00} cash back Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX GA at XXXX {$610.00} check deposit with {$490.00} cash back Wells Fargo XXXX XXXX XXXX GA at XXXX {$620.00} Check deposit with {$490.00} cash back at Wells Fargo XXXX XXXX XXXX XXXX GA @ XXXX {$610.00} Check deposit with {$490.00} cash back at Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX GA @ XXXX {$650.00} Check deposit with {$490.00} cash back at Wells Fargo XXXX XXXX XXXX XXXX GA @ XXXX {$650.00} Cash deposit with {$490.00} XXXX XXXX XXXX XXXX XXXX GA at XXXX {$300.00} withdrawal at NON- wells Fargo ATM at XXXX XXXX XXXX XXXX GAAnd on XXXX XXXX, {$300.00} withdrawal at Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX GAMy son and I requested a fraud investigation with Wells Fargo that they have closed ever after admitting that it was not my son at surveillance making these transactions. They closed the ( ATM ) case previously after comparing surveillance for XXXX transaction I reported against a second transaction I reported concluding that the pictures matched. I was told that case was being reopened but I can not find any evidence that it was actually reopened. The ( edeposit ) case was simply closed because his ( reported ) debit card and PIN were used to make the fraudulent transactions. After speaking with a supervisor, I was told that it was going to be given a second look and called back ~ XXXX hours later with the news that it was being closed again. The reason I was given was because they had picture/video of someone other than my son making a authorized transaction ( {$50.00} deposit ) on XXXX XXXX. Thereby, essentially giving up his rights to claim fraud.
XXXX billed an eight year old address attempting to reach me for a medical bill. 
No response was recieved because I did not live at the address they were billing. 
XXXX turned the invoice to a collections agency, collection agency continued to bill the old addressI had no knowledge of this information until I needed to purchase a car where the discrepancy showed up on my credit report. 
XXXX refuses to submit a letter of untimely filing so my insurance company will pay the billI still do not know where or how the old address was obtained by XXXX. I would never recommend using this medical lab. XXXX insists I lived at the address that was billed and I received sufficent notice of the debt. I can provide public records to show I did not live at the address.
I have 2 PROMOTIONAL DEFERRED balance accounts within my XXXX Consumer Credit Card serviced by Synchrony Bank. One balance expires in two months on XX/XX/XXXX and the other expires 18 months into the future on XX/XX/XXXX. When I made a payment in XX/XX/XXXX, I noticed on my ensuing statement, {$21.00} was applied to the XX/XX/XXXX balance with the larger remainder going to the XX/XX/XXXX balance. I had to call in and ask it be applied correctly, and in line with their stated policy on their website under payment allocations, which is, payments are applied to expiring promotions first. How is XX/XX/XXXX expiring before XX/XX/XXXX? I was told that I would have to call each month to have my payment applied correctly. This is also wrong as there is an option on their website to pay my payment and I can choose allocation, which in fact, was as stated above - to expiring promotions first. This bank takes NO responsibility for this error and simply they will fix it. I am asserting they do this improper allocation WITH PURPOSE to cause all deferred interest to apply when promotion expires. Unsuspecting consumers probably would not see a small portion applied to a second line item, and immediately upon expiration all standing interest would be posted - for me to date, that is over {$600.00} in interest. Synchrony Bank is very shady and purposefully potentionally harmful to the consumer unless the consumer is wildly alert like myself.
Back in XXXX, I notified Experian, XXXX and XXXX of fraudulent activity on my credit report with XXXX XXXX XXXX multiple accounts fraudulently reporting and XXXX and XXXX XXXX hard inquiries fraudulently acquired without my permission. As of today, nothing has been done. I 've provided XXXX and Experian with requested info such as police report, identity theft affidavit, FTC identity theft report and more but XXXX, XXXX and Experian have not deleted inaccurate accounts and inquries off my credit report. XXXX XXXX XXXX accounts are not mine. Experian, XXXX, and XXXX has not complied after I have complied by provided proof those accounts are not mine or permanently deleting them off my report. They have repeatedly violated my rights as a consumer and are in violation of crediting reporting laws.D
The debt in question was paid in XXXX 2014 and is still being reported to the national credit gathering agencies as an open collection account. Proof of payment has been provided to the agency and they have failed to respond or correct the reporting. The accounts being reported as a balance owed to XXXX XXXX XXXX XXXX but the balance was paid to XXXX, who XXXX XXXX XXXX XXXX referred the matter to as well, meaning the same account was referred to XXXX ( XXXX ) separate agencies for collections, which I believe is defined as overshadowing.
The adverse account on my credit report is from AFNI and it is for the original creditor XXXX. I never received any contact information from XXXX or AFNI regarding this delinquent account. They are now claiming I owe {$230.00} which I was uninformed about from 2013. I contacted AFNI to ask them about it and they claim they sent out some letters in the mail. I asked if they were certified because I never received any such letter from them and do not believe they sent them because I never received a single one from them or XXXX. They said they do n't send certified mail because it cost too much. I informed them all I wanted was the account deleted and if it was correct I would not mind paying it off as long as it was deleted, but I felt it was unfair to report that to the credit agency because I was unaware of it and never received any information about it up until this point in time. I have an excellent credit history and they now refuse to delete it from my account.
Hi. I have called and offered to give you all a copy of the tape I sent to the consumer protection agency showing that you all do utilize unfair and deceptive tactics to collect bogus debts. I taped the court proceeding. I thought out of courtesy I would send you all a copy as I intend to sue Frederick Hanna and Associates too. 
Can you all send an email with XXXX XXXX 's Georgia bar number as it does not appear on one document in XXXX County Clerks paperwork. I sent you all a copy of the court hearing. I taped it. I am going to counter sue and sue XXXX County. I will be in touch. 
Kindest Regards, XXXX XXXX XXXX XXXX, GA XXXX XXXX
On XX/XX/XXXX, I sent in an investigation request to the credit bureaus. They are supposed to respond within 30 days, but they have not. I have also sent a follow up letter, but that has also gone unanswered.
I have tried to speak with USAA and was directed to the department that does Long Term Assistance. I went through the process and the financial information as well. I was put on hold for an extreme amount of time. After speaking with the agent I was told congratulations have good news. She informed me if I could ask my Aunt to loan me more money I could qualify for assistance. I know this is wrong because I do the same thing at another bank. I know this is against the Graham Leach Bliley act. This is UNFAIR AND DECEPTIVE. USAA has constantly done things to thwart my asking for assistance. I as even informed that my account would be re mediated and was informed I would be contacted by the Office of the President. I am appalled that a bank can operate like this. I am the consumer that is asking for help to pay back his obligation however the bank could care less. I have many emails and I am asking for this to be investigated this is illegal. I have asked for Cease and Desist and still get calls. I know under the FDCPA that they cant continually call me. I have tried many times and constantly transferred. LISTEN TO THE CALLS PEOPLE YOU WILL SEE THAT CUSTOMER ARE BEING LIED TO AND THIS IS UNFAIR. Graham Leach Bliley ACT prevents a creditor to be biased and unwilling to assist. It also is against UNFAIR and DECEPTIVE ACTS.
Our home was located in a natural disaster area for hurricane irma in XX/XX/XXXX. We filed for hurricane deferment and was approved for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. On XX/XX/XXXX we sold the property.

We are attempting to purchase a new home and was told we are now showing 90days late for the time periods XX/XX/XXXX-XX/XX/XXXX. We contacted the Previous mortgage company and they insist they never submitted us being late and listed us as under deferment and ontime for payments. The credit agencies were contacted multiple times and they insist they are correct. We are going to be homeless in 15days due to the credit agencies not investigating correctly even thou they have copies of our payments being complete and ontime.
XXXX XXXX XXXX continues to charge bogus charges. I calculate over {$100.00} since the end of last year. I've called/messaged multiple times to attempt to resolve this unsuccessfully. For example, I was charged XXXX instead of XXXX on my XXXX statement. I payed an extra {$50.00} on my account in order to resolve this. I called to make sure this would take care of it and they assured me it had. Lo and behold, they charged another unexplained extra {$30.00} this month. This situation has repeated itself and I have the feeling they are taking advantage of multiple costumers.
Please help my family stay in our home. I have tried to work out a modification agreement with Hudson City Savings Bank. The loan servicing department does not have any interest in being reasonable. Clearly now that they have been given approval for their merger they no longer care about the homeowners that they are servicing mortgages for. I am sure a bank like XXXX XXXX XXXX does not condone this type of behavior. I have proven without a shadow of doubt that I am back on my feet and able to make a mortgage payment. All I ask is that I be afforded a modification to get out from under the arrearages I have accumulated. I am not trying to run away and I know it is late but it is only now that I can afford this. We paid for on this loan for years, this is not a case of a XXXX payment default or early payment default. I am even suggesting that a mod be put in place that is completely beneficial to the bank. I am asking that you extend this term which will bring you more in interest income. I am sure once your stockholders read this they will be confused as to why you would not want to create income for the bank. We had problems, like many others, in our lives. I have shown my income versus the monthly debt obligations and I am well below the needed DTI or XXXX requirements that Hudson City has in place. Please help me do something here, I can afford the original mortgage payment again but I can not bring all the back due amount to the table right now. I am asking that you place the arrearage on the end as a balloon or even as an extended term. My family lives in this house and I have a sheriff 's sale in a few weeks. I do not have the ability to move everyone somewhere else. How can Hudson City, in good conscience put me and my family out on the street knowing that I can now afford the monthly payment. They intend to make us homeless in time for the holidays. What can we do? Please, we ask that anyone that can, help us!! 

Regards,
XXXX XXXX, XXXX I got copies of my XXXX XXXX XXXX credit report and noticed that XXXX XXXX XXXX was on my report. It says that I owe {XXXX. I never opened an account with this corporation. I sent them a letter asking to validate the debt and they sent me the contract with a signature thats not even mine. It shows no proof that the loan was mine besides my name and my new address that they got from my credit. Also it says that my XXXX from the XXXX was on XXXX/XXXX/XXXX but my XXXX was XXXX/XXXX/XXXX so that tells you right there that information isnt mine. Plus I never had a XXXX phone number.
Hello, In XXXX of 2018, my husband XXXX XXXX received a dunning letter from a law group of Hayt, Hayt & Landau. The letter was dated XX/XX/2018 and was delivered by regular postal service delivery. In the letter they make a threatening statement that if a letter is written to their office to dispute the validity of the debt within 30 days that they will file a judgement against my husband. However, my husband, XXXX XXXX sent within the allotted 30 days, a request for validation. This request for validation was sent via UPS with tracking and was received by the law group within the 30 day period of time. 

More time has passed and now the law group has file a case in civil courts. They have violated regulations of the FDCPA, while stating that the are debt collectors as well. 

Please accept this as a formal complaint against the law group. They have violated the right to validation by not responding back to my husbands request, they threatened to sue if a request for validation was sent to them in writing, as well as now filed a lawsuit against my husband. Please see the attached notices that help to support this complaint.
After having my XXXX credit card number stolen ( attempt to charge online fraudulently on XX/XX/XXXX ), I closed my account and received a new card number. On XX/XX/2016, I pulled my credit report and saw an incorrect ( fraudulent ) address listed and a XXXX credit inquiry filed on XX/XX/2016. I disputed the fraudulent address with Experian, placed a fraud alert on my credit file, and contacted XXXX that an account in my name but new address was fraudulent which they then denied. The incorrect/fraudulent address ( XXXX, XXXX OHIO XXXX ) is a homeless shelter called " The XXXX ''. I want to file a police report re : this fraud. I am now concerned about how much of my personal information has been compromised and am concerned about the extent of my identify theft and safety of my credit file.
On XX/XX/XXXX around XXXX XXXX I sent {$160.00} to XXXX XXXX ( XXXX ) for two XXXX tickets that were posted for sale on XXXX. My understanding was that XXXX knows the identity of both parties and that everything is backed up by the banks. Mr XXXX also send me an invoice and I paid it. As soon as I transferred the money, XXXX disappeared, he cut off all communication with me and never heard from him again. I ended up getting tickets from another source and at half time I called chase trying to find a resolution to my situation. I was told that they could not help me out. That these transactions are not back up by their fraud protection and that I should only use this service with people I know ( family and friends ). That if anything I should reach out to my local police department and file a police report. 

They are giving thieves a golden opportunity to prey on the innocent. I dont understand why a company with so many transactions isnt doing anything to protect the customer. Or at least work with them to bring justice to the situation or identify these scammers in order to make this stop. 

To just give a blind eye to this problem is just ridiculous to me. If I had the power and the resources to make things right ( which XXXX and the banks partned with them do ) I would Until then - these criminals will continue to get away with stealing
On XXXX/XXXX/XXXX I submitted a dispute to Transunion for 2 listed bankruptcies that were being reported on my credit report. They came back verified on XXXX/XXXX/XXXX. This dispute was mailed certified. I spoke with 3 different representatives to see how the information was verified. I was told by 1 person indicated the  bankruptcy court. I went on to tell her I mailed in documentation from the US bankruptcy court that indicated that they do not verify anything with the credit bureaus and do not verify anything electronically. She indicated this has been received. The 2nd person indicated that do not have to give me that information and the 3rd told me I should know who report the information. On XXXX/XXXX/XXXX I mailed in a request for the procedure of verification certified ( Received XXXX/XXXX/XXXX ),  I requested the information used to verify the bankruptcies and the information of who verified the bankruptcy. As of today XXXX/XXXX/XXXX I have not received a response. 

Additionally, I mailed a request to dispute inquiries and update personal information on XXXX/XXXX/XXXX, I never received a response regarding the inquiries as of XXXX/XXXX/XXXX. I spoke with XXXX on XXXX/XXXX/XXXX who indicated that it has been received. I was aware as all of the requested personal information had been updated.
Deposited money in bank and bank placed a 10 day hold because of numerous overdrafts. Other items came in and more additional fees were billed.
I have tried to call multiple times over the past several months and get this debt resolved with the collection company. I didn't receive notice from the company that I owed them money. I would like a copy of the original contract with the original billing company. I have disputed the account after multiple failed attempts to contact the company to no resolve. I would like the entire account removed from my credit report.
keeps calling my job, and leaving messages stating that the law enforcement will be at my job or residence with a letter. Not sure who is doing this. I 've requested documents to be mailed to my house, but that has not been done. Not even sure who the company is, the message does n't leave the name, just a phone number to call back XXXX. I do n't owe any money to pay a payday loan.
I received a debit letter and have disputed it. They claim I have a credit card debt from years ago but when I ask them for proof of what that debit is, they fail to send me documentation on what the debt encompasses. I ask them to tell me what the amount is for and they only say it is a credit card debt, they do not provide me any other details. Based on the lack of information they provide me, I refuse to assume responsibility for a debt that is not mine. They are continuously lowering my credit score unjustifiably. They are using my credit score as leverage for me to pay a debt that I do not know what it is about. I sent a copy of the certified letter below requesting information and asking them to remove this from my credit history. It has been over a month and they have not responded yet they continue to damage my credit history.
My name is XXXX XXXX and I have an auto loan with Key Bank. In the month of XXXX I applied for skipping a payment because I lost my job and I was going through financial tough time. They approved me for that month so I did n't make any payment. Next month they 're start making hundreds of harassing phone calls from the collection department that I missed a payment. I suppose to have a skipped payment for that month they said I never sing the latter. I never get any latter from them and I told them to resend me the latter again but never get that latter from them. Now they 're reporting it to my credit bureau and it 's really hurting my credit. Also I 'm worried about they are going to reposition my car. So tried to work with them about that issue and they refused to help about this matter.
I'm unable to remember the dates at this time but my issue is regarding the customer service of the Navient company. I saw a law suit due to the same issues I was having and I wanted to make sure I'm included in the class action. I had a 10 year repayment plan on my loans. During the first few years I called them and changed my payment to a higher amount ( because I was able to pay more ). When the time came that I couldn't pay the high payment anymore, I called them trying to lower it back to the approved minimum payment but they refused saying I don't have the right to lower my payment. The folks I spoke to ( and their supervisors ) seem to not understand my rights or even maintain basic math skills. It was a very frustrating period of time and I refinanced to use a different company but my wife is still stuck with them and we're trying to finish her debt so we don't have to deal with them again.
My XXXX XXXX XXXX XXXX XXXX XXXX XXXX was hacked and fraudulent charges incurred on my card I confirmed and reported the fraud immediately and filed a dispute Waystar denied me protection from the fraudulent charges on the grounds of the Business 10 card rule https : //www.consumerfinance.govXXXX XXXX XXXX apparently they are using this loop hole to get out of paying these fraudulent charges I have had my CC hacked in the past several times I reported it or they notified me CC was blocked They took care of it but this time i was denied protection because of this 10 card rule so far they have not shown me this 10 card rule in there terms and conditions only give me the above link to the fed statute any help in this matter would be greatly appreciated XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX
I have received several credit reports from Equifax NONE of which show or report late payments on any of my old or new accounts. ALL old accounts were zerord from my bankruptcy and all new accounts are current. 
Yet Equifax continues to falsely report to creditors alleged late payments but can not supply the alleged account these so-called late payments stem from. 
Equifax needs to correct these inaccuracies and supply information pertaining to the alleged late account OR send updated credit reports to ALL creditors for the past 90 days to correct their mistakes.
I terminated a rental lease for serious medical reasons with the understanding, according to their contract  XXXX   XXXX   XXXX   XXXX  that they will work on renting the apartment as soon as possible. I agreed and offered to pay the months the apartment was not rented but they refused. Instead, they decided on remodeling a property not in need of remodeling and doing so at the expense of the Tenant, which demonstrates the Landlords failure to reasonably mitigate damages and bad faith on the part of the Landlord.     I,  XXXX   XXXX   XXXX  understands the legal relevance of his lease ; however the duty to mitig ate damages is in issue here. As indicated above, since the Landlord failed to mitigate damages and failed to place the   property on the market. Thus  XXXX   XXXX , should not be liable for any amount alleged by the Landlord due to the Landlords failure to mitigate damages.
As of about XX/XX/XXXX, I have been disputeing the inaccurate information on my XXXX, XXXX and Equifax credit reports, it 's been 5 months now and to date, I have 4 items removed, I have hand written all dispute letters and I have nortorized them all, a total of 4 letters, and have waited each time for their response, so I can respond, but all I receive is a report stating the have been verified through the furnisher, but all the original creditor can provide is an account statement, I ask Everytime for them to please send me the original, or a copy of the original document that was signed to open this account with my signature on it, that they are required to have on file, neither the beaures or creditors have this on file, a account statement is unacceptable, that is not proof it is mine, I have recently filed a complaint with the ftc, and I have XXXX  XXXX helping now, but this is a drawn out war, I do understand they are private organization but need to be better regulated
Afni stated they would sue me if I did n't pay them the required amount of money owed. This company needs to be investigated.