WillisBack/dataset-financial-user-claim huggingface dataset:
In late XX/XX/XXXX and early XX/XX/2018, 4 fraudulent withdrawals were made from my bank account ( s ) with Bank of America. These transactions were : {$900.00} Cash Withdrawal in  XXXX XXXX, CA on XX/XX/2018. A Fraudulent check for {$2300.00}, returned on XX/XX/2018. A fraudulent check for {$2200.00}, returned on XX/XX/2018. A fraudulent check for {$2100.00}, returned on XX/XX/05. 

Upon first noticing the fraud on XX/XX/2018, I contacted Bank of America, and they closed my then-current account to open a new one. In subsequent days, the additional fraudulent transactions listed above came in - including one in the NEWLY OPENED bank account, for which I hadnt yet received a Debit Card or PIN ( because the representative forgot to send it to me, which was indicative of my entire experience with Bank of America throughout this long process ). This means that, despite my account being locked and a fraud alert being placed upon it, a teller at some branch allowed additional fraudulent activity to take place.

The fraud department has told me that an investigation will take 60 business days to complete. In the meantime, my entire bank accounts balance is locked to me. Bank of America refused to issue me a credit, stating that these transactions would require my PIN number - something that I have never told anybody, but which could have been stolen in any manner of ways.

I have filed a police report regarding this issue, but this has not sped up the process whatsoever.

The fraudulent checks have a signature on them that purports to be mine, but is not my signature. Bank of America knows what my signature looks like, and chose not to verify it when cashing these checks. In addition, these checks were for a far higher balance than any normal transaction in my bank account. They failed to do their due diligence, and expect me to suffer while they take their time.

Bank of America constantly talks about how they protect the consumer from fraud, but when I needed their help after being a customer for 10 years, they told me that I just had to wait while they took their time to conduct an investigation. I am tired of waiting. I have received no new information for over two months, and I want action on this immediately.

They have even started sending me emails stating that I owe them money due to these fraudulent transactions.

When all the fraud is removed from my bank account, I should have a balance of {$950.00}. I want this money returned to me without delay.
I have a loan with GM FINANCIAL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and GM FINANCIAL with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XXXX, XX/XX/2018.
I needed to pay off my HSBC credit card placed at XXXX as a requirement for a new job. I needed to have the debt paid and provide a letter showing I paid the debt for my security clearance. I paid the settlement XXXX ands I agreed upon, however XXXX still shows the account with a balance due on my credit report, the letter I received does not state the account is paid off and I requested a letter stating on their letter head the account is payoff to provide for my employer and they refuse. I was told to use their website to show the balance is zero, but it only states I need to call to request information on the balance. I attached the screen shot. XXXX used deceptive, misleading and false statements to get me to pay off the debt.
I went in to make a payment on my account and I noticed that the computer showed that I owed more than I was suppose to. I asked the employee why was it showing that but she had no explaination so she proceeded to get the manager! When the manager looked at my account, at first she could n't figure out why either, so I asked for a copy of my payment history and saw mistakes! I pointed the mistakes out to the manager but she said that I was wrong and started claiming that I missed a payment. When I told her that I had not missed a payment and that she was lying she told me that if I did n't hush she would call the police and have me charged with trespassing and she also threatened to garnish my wages even though I was not behind on my payment. I told her that I was only trying to figure out what was going on about my account and asked her for her head office 's number but she still proceeded to in fact call the police on me and afterwards demand a payment from me! The police came and got a statement from me and after I left I called the supervisor to that office and explained what had happen and when she looked at my account even she admitted something was wrong! The supervisor was suppose to get back with me on the XXXX of XXXX but have not heard anything else from her! My account is getting further behind and I do n't know what to do!
I had a huge credit score change ( XXXX ) recently due to a open derogatory account which was claimed by XXXX ( XXXX ). It is a collection agency who claims to represent the original lender - XXXX ( XXXX PUBLIC SERVICE ELECTRIC GAS ) and amount is {$55.00}. I believe it is a false debt as the following reasons : XXXX. Wrong account number Ending with XXXX is the account # in the derogatory account details. XXXX was my account number with XXXX. Please see the attached file XXXX. PSEG_Account info and billing status. 

2. No balance with XXXX As the attached XXXX account information and billing status, I have no balance with XX/XX/XXXX. I had a automatic transfer from my bank 's checking account to XXXX for the electric bills. XX/XX/2015 was the last payment before moving. 

3. Moved to XXXX in XX/XX/2015 I cut the service from XXXX in XX/XX/2015 since I was reallocated to XXXX in XX/XX/2015. Please see the attached file XXXX. XXXX power_account info and payment history. 

Please note that all electric utility bills have been wired automatically from my bank 's checking account every month. There is no reason I have a balance with XXXX and a collection from them.
DEBT WAS DISCHARGED IN CHAPTER XXXX BANKRUPCTY XXXX/XXXX/2017. THIS HAS BEEN ADDED TO MY REPORT ILLEGALLY AND IS VIOLATING FCRA RIGHTS
I have submitted this complaint to have this charge-off accounts off of removed from my credit report on at least XXXX occassions. XXXX times I have mailed in my dispute and I have also submitted my dispute via CFPB and online via Equifax dispute portal. The items that I am disputing are as follows : XXXX XXXX XXXX XXXX XXXX XXXXEach time that I have disputed these accounts Equifax has stated to me that they have come back verified and belonging to me. Impossible, I have attached a police report, FTC Affidavit that least these accounts to be removed and I have also included Equifax 's own credit report that still lists the account on my credit report and an email and the delete report from XXXX of the charge off account stating that they are deleting the account listed on my credit report due to fraud. I have submitted the same information to XXXX of the other Credit Reporting Agencies and they have removed all of the accounts but Equifax continues to do the direct opposite from what they are suppose to do. I spoke to Equifax customer service and fraudulent department on XXXX/XXXX/15 and they have again stated that the reports have come back verified. No matter how much information I send to them to show that these accounts do n't belong to me they still say they do. How can you do a detailed verification when you actually do n't. I need all XXXX of these accounts removed from my credit report and an updated report sent to me as soon as possible. Since this has taken already 60 days to do I believe 15 days for them to complete their job is suffice.
I am writing to file a complaint against Santander. I filed for bankruptcy in XXXX  of XX/XX/2018and around the time of bankruptcy filing Santander removed the account all together from the credit reports. Santander was included in bankruptcy and now that my bankruptcy has been discharged all together Santander suddenly reappears on my credit reporting showing it as a charge off/action collection on XXXX XXXX, however, on other credit bureaus they are showing as included in bankruptcy with a zero balance.
I was approved for a modification, and my last payment for the trial payment was X/X/2017. After I made the required trial payments, I was sent the final modification documents. I signed the agreement and sent it back to the organization. When I called in I had a few questions about the terms. I asked about the deferred amount of XXXX, and I was told it was a balloon payment. I spoke to XXXX XXXX about the terms. I would told I had to pay the XXXX in a two year period. I advised XXXX XXXX that I was going to contact a HUD counselor to discuss the terms, as I did not understand her explanation. I contacted XXXX XXXX XXXX, and spoke to XXXX XXXX, who advised me that the modification was a good proposal. I contacted the bank to let them know that I had spoken to a counselor, and she was able to explain the terms. At that point, I was told my case was closed and the modification offer was rescinded. I did n't reject the modification. I had signed the papers and sent back the agreement. There should not have been any reason to close my file. I have the right to seek advice from a certified housing counselor, and I should not be penalized because I wanted assistance fromm a HUD organization. I have tried to dispute this issue and resolve with the bank to no avail.
After being a customer of XXXX for TV ( $ XXXX/month ) for 5 or more years, I became so frustrated with lousy reception and the need to change boxes or have a technician come to the house so often, that when a service person called after a weekend in XX/XX/XXXX if we had called over the day or two before that I told him that as of that time we were discontinuing service with XXXX. I figured that at most we had received 5 days of 31 possible days of service that month, and I sent XXXX a check for 5 of 31 days billing, totalling {$14.00}. This check was cashed by XXXX, but I was billed until XXXX, XXXX 
Furthermore, I called XXXX to pick up their equipment. No one came to the house, and after the XXXX call they sent a postage paid box for me to mail by XXXX their equipment. They received it, and the mailing took place in the XX/XX/XXXX. I never received any receipt for this. 
In addition, I have receipts for equipment loaned or rented to me by XXXX back to XX/XX/XXXX. 
I received bills from XXXX through XX/XX/XXXX, and on XX/XX/XXXX I received XXXX calls, presumably from XXXX but possibly from a collection agency in XXXX, TX, who began mailing me notices of my past bills and statements that my credit rating could be damaged if payment were not forthcoming. I received the XXXX written notice from the credit collection agency on XX/XX/XXXX. 
On a phone call of XX/XX/XXXX a woman asked if XXXX XXXX sent the cable box and equipment. I told her of my letters of XX/XX/XXXX and XX/XX/XXXX to XXXX setting out my position and verifying that I 'd sent the equipment as they requested. 
I spoke on XX/XX/XXXX to a representative of the credit agency and told her that when a human being from XXXX contacted me, I 'd be glad to communicate with him/her. As far as I know the credit agency has a copy of my original letter of XX/XX/XXXX to XXXX. 

The last printed claim against me for this bill from the collection agency was postmarked XXXX XXXX. I have not opened all the printed notices, but adjustments were made, and I am said to owe XXXX {$220.00}. 

I have had up to XXXX calls a day from the agency. Most I do not answer. A recording asks me to verify who I am, and says what the matter is, gives me a reference # and their XXXX phone #. From my standpoint the calls are a type of harrassment. Furthermore, XXXX billed me through XX/XX/XXXX, then adjusted a bill or XXXX, saying that I had had no service since XXXX XXXX. In the meantime their monthly bills had increased. 

I am asking if you think I am being harrassed. I shall be happy to print out my message to you and send it to XXXX. 

Thank you.
I applied and was approved for an amex platinum card that included a sign up bonus of XXXX miles once I spent XXXX within 3 months. I have spent the {$3000.00} ( more like XXXX actually ) and the miles were credited to my account. But Amex is not allowing me to use the miles for some reason. The terms and conditions were clear that I could use the miles after they were credited to my account. I am trying to book a flight that would otherwise cost me about {$10000.00}. If I do not book soon the ticket will be booked and I will have to use $ s to buy the ticket and not miles. This is not fair.
There has been over {$10000.00} in suspicious activity on a joint checking account I have with my mother. My mother is the primary account holder and she did not authorize any of the fraudulent activity. Many of these charges were made when she was alone and getting ill. I have no knowledge of these ACH, debit and credit transactions. The purchases varied in nature but many of them follow a pattern very consistent with fraudulent activity. Some of the transactions were for mail order goods billed directly to the account, some on an ongoing basis, but for goods never received at her address or mine. Most of the transactions were also completely inconsistent with my mother 's spending patterns over time. I do not use the account regularly and these purchases are also inconsistent with anything I have ever purchased.     I filed a complaint wit h Capital One  Bank about the fraudulent activity. They did issue complaint case numbers and supposedly investigated, however, the results of that investigation have not been meaningful or even minimally transparent. Their lack of real assistance in this matter leads me to believe they provide no real protection to their customers, especially those who may be particularly vulnerable to this type of fraud. She is on a fixed income with few financial resources. The failure of  Capital One  to conduct a thorough, transparent investigation and meaningful resolution is extremely frustrating.     Please help us get a resolution to this unauthorized activity with, hopefully, at least a partial credit of the funds. Although she has since had  a Conservator  appointed, he has no knowledge of these transactions and so can not provide any meaningful assistance. Thus, I am hopeful that CFPB can. ( Please note that I have put my home address on this complaint but her address with  Capital One a t the time was in Virginia. )
If I need to file bankruptcy, XXXX XXXX is the cause. 
I 'd been with XXXX XXXX for years as they offered both payday loans and a XXXX cash loan with a total pay off of XXXX. In XXXX XXXX I went in to XXXX XXXX and was told they had switched to a new flex loan that would " save me money '' but because it was so new the clerk did not no the details. That 's when things got out of control. I was making regular payments with automatic deductions from my banking account and not getting a bill. Three months later I went into the store and was told I only had {$35.00} in credit ; that 's when it hit me! I had made approx. XXXX payments of {$700.00} dollars thinking I was getting close to the end of this loan. I did file a complaint and agreed upon a settlement with the company when I received a tax refund in XXXX XXXX. I spoke to a very nice company rep and we settled on a payment arrangement and was also given a 30 % rebate off their product. Once again, I found myself as a customer of theirs as if I had n't learned my lesson and I am in a worse boat then ever. I do n't believe the 30 % was applied to this loan and out of desperation I went to another pay day loan to take out a new loan to pay off XXXX XXXX and am now up to XXXX. Yes, I am taking fault as I wanted to make payments but these companies make so you will NEVER got out of debt with them. The additional XXXX companies I used are XXXX XXXX XXXX and Tennessee Quick Cash. Between the XXXX companies, they 've eaten up XXXX of my paycheck as they automatically take the money from my account. I am behind on all my bills and even two months behind on my mortgage because I am trying to pay them off. What I owe is greater than what I initially borrowed with each of these companies. With XXXX XXXX XXXX, I tried to make a payment over the amount due and was told by the manager " my computer wo n't let me do that. '' These companies are impacting my quality of lie and health. In XXXX I was XXXX with XXXX XXXX and the XXXX and XXXX was way better than dealing with these companies. I make a decent living and they are robbing me XXXX, but what about the people on a fixed income who use these products. Each of these companies pretend to be transparent with their fees but are not. I 've signed papers with each of these companies and still do n't feel satisfied with their representation. 
My main complaint is why are these companies allowed to do business? If I do n't pay them back, is somebody going to come and XXXX as this situation must be worse than dealing with a loan shark. The people that use these products are not rich to begin with and they are really preying on this group. They do n't care about people at all, just their money and are stealing people XXXX.
On XXXX XXXX, XXXX, I filed a complaint to CFPB, which Wells Fargo has still not resolved, and now this case is under investigation by a XXXX investigator. I am continuing this complaint because Wells Fargo ( through their foreclosure division, XXXX XXXX XXXX XXXX XXXX ) SOLD MY HOUSE XXXX XXXX, XXXX even though Wells Fargo never proved they or XXXX XXXX had the legal right to arrange a sale. I only received a letter saying they consider the case closed and they are not obligated to provide any more information to CFPB or to me. But this is nonsense. Wells Fargo NEVER complied with the first and most important element of my Qualified Written Request : 1. A full, double sided, certified " true and accurate '' copy of my original promissory note and security instrument and all assignments of the security instrument. THIS MUST INCLUDE ALL ADDED PAGES AND ASSIGNMENTS from XXXX, XXXX through Trustee 's Deed Upon Sale around XXXX, XXXX.
This complaint is about how my bank " Capital One 360 '' handled a chargeback dispute with the merchant " XXXX XXXX  ''.

On XX/XX/XXXX, I rented two scooters from the merchant and paid a {$500.00} security deposit. I was told by the merchant I would receive the deposit back 2 weeks after returning the scooters which I did return the same day. I never received the security deposit after two weeks so I called the merchant about it. Weeks went by without receiving the deposit back.

I then filed a dispute on XX/XX/XXXX XXXX XXXX with my bank and they gave me a provisional credit while they investigated the dispute. They then took back the provisional credit back on saying the merchant had provided documentation that settled the dispute. I asked the bank to provide said documentation. They gave me a letter from the merchant stating that yes they did owe me the security deposit but otherwise did not provide documentation that they actually had returned my deposit. Apparently, to the bank, providing any documentation whatsoever was enough to favor the dispute on the side of the merchant.

I then called the merchant to see if I could resolve this. They went through their documentation and informed me that the bank did a chargeback and took the money from them. The bank also took the same money from me. Now, neither the bank nor the merchant want to deal with me any further.

The bank has stolen this money from me. I have bank statements that show this transaction originally going to the merchant, then there is no transaction from them returning the deposit, then a transaction for the bank giving me the provisional credit, then a transaction from the bank taking the credit back. If the merchant is telling the truth and that the bank actually did chargeback from them, then this seems to me the bank pocketed this money from us.
TD Bank changed the amount of transfer taxes on the day of settlement. 

TD Bank was disclosed the proper amount on the original purchase and sales agreement and only listed 1 % on the GFE rather than the 2 % listed on the purchase and sales agreement. On the day of settlement, they changed the amount to 2 % increasing my closing cost. There was never any change to the transfer tax amount through the entire process. 

TD Bank is stating they were allowed to make this change.
I discovered a Georgia State Lien on my credit report in XXXX XXXX. I called the court in XXXX XXXX and was told it was paid. I informed the credit bureau and the date of payment of my credit report states XXXX XXXX instead of a payment date of XXXX XXXX XXXX. It is 7 years on XXXX XXXX, XXXX since being paid and I would like it removed from my credit report.
My loan company accessed my personal phone records without authorization and called random numbers. The company is XXXX, I do n't know when and how this access was done but since I first learned this people have informed me XXXX called their number. These various people and arenumbers not associated with my account.
I have disputed mul tiple Portfolio recovery acc ounts on my credit it was deleted and put back on my credit. I ask them to validate the debt with signature they havent provided me with no proof of this debt. This is the second time i reported to your company for violating. They have agreed to remove it from my credit report it has been a month nothing has happen.
Today XXXX XXXX, 2016, I tried to make my primary home monthly mortgage payment to Wells Fargo Home Mortgage and they would not accept it. I presently an behind by 3 mortgage payments. By them not accepting today 's mortgage payment I will be 4 months payment behind.
I took out a loan with XXXX who then sold to Navient so I can pay going to school in XXXX University XXXX, NY. I tried asking Navient to help as I am not working right now and lower monthly payment to where someone else can help me pay for it and they said no. There is nothing they can go and I have to pay 480.00 a month and thats it. Combined income for XXXX people is XXXX how am I suppose to pay for student loans. They say federal government are the ones that help out with the loans if you make lower than a certain about not private loans but yet you ca n't file bankruptcy with private loans if they are considered to be like taking out a private loan from the bank. Bank loans you can claim in bankruptcy then why not private student loans. XXXX and Navient are the worse companies to deal with they provide no help with private loans what so ever!!! I guess thats why americans have horrible credit scores wo n't even give people a chance to advance with the means they have.
Citimortgage approved me for a re financing of our home. They instructed us to make 3 payments at the new lower payment which we did. They also said soon you will receive a package with instructions on how to proceed. When it did n't come I spent entire days, many hours trying to get answers and was often hung up on. Eventually I started taking notes of who I spoke with, the date and time. Eventually a representative instructed me until further notice to stop making any payments so I did against my better judgment. I assumed that because they advised this they acknowledged how messed up their own system was. I eventually found myself in default on my mortgage and nothing but run around tactics from Citimortgage per usual. I hired a lawyer that showed me multiple areas they conducted illegal actions against me and assured me I could not lose my home.I was stressed all the time and wound up developing a XXXX XXXX! I wound up having XXXX and woke up XXXX. Fighting for my life was now my priority. I ended up losing my home and am furious that Citimortgage and their false instruction put me in this situation. I want them to be held responsible for their lies. It caused my family their home! I did n't know about being able to complain or where until now.