WillisBack/dataset-financial-user-claim huggingface dataset:
I had 2 deposits made in my behalf through the Chase mobile banking app. The first deposit was made on XX/XX/XXXX in the amount of {$1400.00}. The second deposit was made on XX/XX/XXXX {$1600.00}. Both checks that were deposited were copies of a prior deposit and modified to attempt to be passed through as real. The checks were deemed as fraudulent/altered. I notified the bank of the activity prior to them determining they were fraud and told them to freeze the account. Later that day I went to open a new Chase account and since they are all tied together to the same social the froze that too. I contacted XXXX XXXX at the Fraud Recovery Investigations Department at XXXX on XX/XX/XXXX in attempt to activate my debit card and unfreeze my new account. He told me I had to process a claim through the claims department before he could unlock the account and activate the card. The claims department stated they can not do anything since the withdrawals were valid but the deposits were not. They told me to contact law enforcement so I contacted the FBI since it was and overseas issue. The FBI told me they do not investigate this and to call the FDIC. The FDIC told me they only handle issues regarding if the bank goes belly up. The said it is Chase 's Fraud Departments responsibility to investigate the fraud. They advised me to file a complaint against the bank here, however since it is an overseas issue I am probably going to be out of luck on re-cooperating the loss. I feel chase has not done their due diligence to investigate where these deposits were made from so that the culprit can be charged with a crime. This is not how they should handle their customers who are victims of fraud.
The fraudulent acts of deception must stop ... The company ( The CBE Group , Inc. ) Is now a party of the deception an have violated the law. I from on my credit report a false statement for {$150000.00} as a past due balance .... XXXX is liable for the {$250000.00} in damage s as of ( XXXX/XXXX/2016 ) and company listed for collusion of Criminal Conspiracy scheme.
A debt that was destroyed in XX/XX/2007, was reopened by XXXX XXXX for purposes of getting a garnishment order last month. I had no idea this was happening. They wiped out my entire savings account of {$1000.00}. They tried to get and additional {$700.00} from my checking account, but Im XXXX and get SSI so they werent able to.
Please see Case Number XXXX. 
In this previous complaint Wells Fargo have stated in writing ( both to the CFPB and to me ) that it is possible to transfer funds from my Wells Fargo account to a bank account in XXXX using the Wells Fargo online banking system. In fact this is is simply not true. The Wells Fargo online system allows transfers to various countries in XXXX and XXXX XXXX, but it absolutely does not allow transfers to XXXX. I believe that the Wells Fargo response to my complaint # XXXX is simply false.
I reached out to Experian about some errors on my credit report as of XX/XX/2018. this is now my third time contacting them. I have still yet got anything back from Experian showing how they validated the items. Their last statement to me is they aren't going to investigate the items listed below.
This saga with XXXX is XXXX commonplace issue XXXX XXXX, their XXXX lawsuit for [ lying ] cheating stealing from their own customer base, does n't magically go away!!!!. XXXX Irrefutable proof } of a problem here. Before I filed a complaint with the govt. and the california XXXX. I argued, complained, confronted there sloppy blunders, they twisted [ obscured ] with weak apologies and promises to correct?! # NEVER happened?! # I do n't need to call anyone XXXX times a month and XXXX about some stupid errors, that should of never happened. NOW, XXXX is circumventing your authority, sent this deceptive bill to 3rd party. ( vantage ) I called and XXXX faxed XXXX them XXXX today ] talked to someone named XXXX XXXX plus XXXX they say the conversation is recorded. I told them I am disputing there fraud and deceit, why they have XXXX tunnel vision ]?! # They told me XXXX has me down as a excellent customer since 2008!!!! Imagine that?! # I filed a grievance with their [ billing ] and sales dept. supervisor for the deceptive sales practice from their XXXX telesales ] _again_ they failed miserably to investigate. Part of this cryptic deceit starts with their salesman [ lying XXXX to me that there [ XXXX tablet ] is {$190.00} no contract!!!! THAT was the only reason I called them in [ first ] place. SIMPLE MINDED QUESTION/ HOW MUCH FOR A LAPTOP [ RETAIL ] __NO CONTRACT____?! # Does it get any plainer than that?! # They send me some junk XXXX tablet with a arbitrary contract XXXX years. Some convenient {$170.00} early termination fee. {$75.00} restocking fee. Outrageous incompetence. I never agreed to any of this or XXXX aware ] of any hidden clauses. I sent this junk back within XXXX days, they manipulated these blunders for XXXX months with there cryptic balance billing, [ before ] I finally got credit XXXX accountability ] for it. Disgraceful!!!! NOW sent this fraud and deceit to a collection agency [ pretending ] they do n't know there is an obvious problem here. I still have [ not ] received my refund and/or credit for there forwarding XXXX cryptic ] balance billing, that I and everyone pays in [ advance ] before you get your service turned on. HOW should this manipulated deception of the facts be treated?! # XXXXbreached_ their own arbitrary contract, with XXXX willful ] fraudulent and deceptive billing practices. Failed miserably in good faith and fair dealing business practices. Customer loyalty, and satisfaction. They are required to eat these billing blunders on good standing, taking responsibility for their outrageous billing blunders!!!!!!!!!!!! I have XXXX lines with them. I cancelled with rage distrust, complete dissatisfaction.
On XX/XX/2017, I called American Express to remove me from their mail marketing lists. This was in response to being deluged with the same offer in three different envelopes on the same day. 

I had previously called American Express awhile back regarding this very issue and was told I 'd be taken off their mailing lists, but it appears that this was n't respected. So I was forced to call again. And I now feel like I 'm being harassed, and I 'm submitting a complaint to the CFPB because I 'd like to ensure my request to be removed from Amex 's mail marketing lists is honored. 

Thank you.
I did not consent nor sign a contract to be a cosigner to a Student loan belonging to XXXX XXXX XX/XX/XXXX through Navient XXXX XXXX, PA XXXX, I want this loan information immediately removed from my credit report.
In XXXX XXXX Ocwen paid my taxes and homeowners insurance when I was not behind on the payments, increasing my payments to an unaffordable payment. I struggled to make my payments and got behind. Ocwen had me apply home modifications to help make my payments affordable, three times, but they knew I would not qualify for a modification as I had a previous modification done in XXXX. My loan is only allowed one modification per the lifetime of the loan. I have been going through this for several months now. Now, they are saying my PITI payment is {$2000.00} with a breakdown of {$950.00} P & I and {$1000.00} of escrow, BUT my annual taxes are {$2800.00} which equates to a monthly amount of {$240.00} and they can not tell what the additional {$810.00} of my PITI payment is. They could not answer if I have forced placed insurance, but I have paid my own policy with XXXX and it has never lapsed. Please help.
ACH Debit XX/XX/19 an attempt was made to withdraw {$7900.00}. My account did not have overdraft protection but my bank withdrew {$4800.00} and left me with a negative balance of - {$3000.00}. I was sent a email notification that my account was {$0.00} and checked online to see the amounts stated above. I called my banks online banking and had a ref # assigned to the incident. And a stop pay issued. My bank listed in the transaction as processing. I told my bank do not pay the money, their response was they could not guarantee it because it was a computerized process. I then went to my banks local office and saw a personal banker. They stated they could not do anything more then had been done. I had not preauthorized or authorized the ACH Transfer Debit. My bank stated anyone can initiate an ACH Debit if they have my name address, routing and account number, and falsified to their bank the appropriate online documents. I called the bank making the ACH Debit and they stated it can only be done by one of their account holders if the account holder was paying off a loan, credit of debit card debt. On XX/XX/19 my online account information and balance was back to normal like nothing happened. I write checks to pay my bills and make other purchases. The banks are acting like it's my fault and their fraud divisions are acting properly.
We need your help : Bank United wants to hold fund from an insurance or the 2017 hurricane damages of approximately {$70000.00}, they want to release about {$49000.00} to initiate repairs, they have been advised that there is a payment to the private adjusters of abut {$6500.00}, they say it is my problem. " they are not part of it '', the unit is in habitable, with no restrictions what so ever, to the point that we have had offers to buy it at the current market value of approximately {$800000.00}, ( names and phone numbers could be provided with their consent ) the present mortgage with Bank United is {$380000.00}, it is current and has been currant from the closing date about 4 years ago. 
Bank United wants to hold the funds because of a clause in the mortgage. My husband and I are seniors, I had a XXXX XXXX, which was about a year ago, I can not have stresses like this, as per my Doctors. Also I am having XXXX XXXX on the XXXX of XXXX, at XXXX XXXX XXXX XXXX of University of XXXX and my husband is having a XXXX XXXX, on one of his XXXX, on XX/XX/XXXX at XXXX XXXX XXXX. 
The pressure to us caused by Bank United is unreasonable, and unbearable for they will have to do inspections as the money is use and we will have to pay for said inspections. 
We have been talking to XXXX XXXX VP, Escrow Administration and Special Loans??? WHY BankUnited, N.A. 
XXXX XXXX XXXX XXXXMail Code : XXXX XXXX XXXX, FL XXXX Direct : XXXXFax : XXXX XXXX Also Email has been sent to XXXX XXXX XXXX Chief Operating Officer XXXX bankunited.com
First Reported XX/XX/2013 Original Creditor XXXX XXXX XXXX XXXX " MULTIPLE '' negative entries on my credit!!! I do not owe this. I want these multiple entries removed from my credit report!! I also want XXXX XXXX XXXX  reported to the XXXX XXXX XXXX  for this! Unethical business practice XXXX!! 

Thank you.
This is the third year I have been kicked off IBR by FedLoan while they 'process ' my re-certification. In the meantime, I have been forced into either forebearance ( adding XXXX in interest/month + ineligibility for PSLF ) OR paying standard repayment ( doubling my monthly payment, which is unaffordable ). I have filed my paperwork on time every year, they have taken 3-6 months to process it. Twice placing me on the incorrect repayment plan - making me ineligible for PSLF, and costing me thousands of dollars while they corrected the plan the second time. FedLoan is also not correctly calculating my eligible payments toward PSLF. I have made on time payments for the last 10 years, while employed full-time at an eligible public employer. The first two years FedLoan had me in the wrong repayment plan ( I was unaware since I requested IBR, and was naive enough to think I was in the plan I had asked for ), so I lost two years of eligibility. I was able to change into the right plan in 2009, and have continued to pay on-time and have not changed jobs. I have refiled paperwork with them every year, confirming my continued employment and eligibility. However, FedLoan continues to show my eligible payments at XXXX - XXXX more to go - after almost 8 years of payments, how is that possible? I know I lost a couple of eligible payments when they put me in foreclosure for a month or two while they fixed the recertification they screwed up, but showing less than two years of eligible payments is insane. There are a lot more issues, but these are the highlights. Right now I am feeling very helpless as I am going into my third month of standard repayment as they 'expedite ' the IBR paperwork that I filed in XX/XX/XXXX. I can not afford to keep doing this, but am not going to take on thousands in accrued interest ( again ) for their inability to do their jobs. Please help. I am happy to provide documentation or any additional information as necessary. I know I am not alone stuck in the FedLoan incompetence trap.
I have a common maiden name. I got married in 2008 and am now under a different name. For the last several years my mother has been getting phone calls from Navient trying to collect a debt of someone with the same maiden name as I had. She has told them repeatedly that it 's not me who owes the debt. I have called to speak with them and they told me that my social security number and birthdate do not match the person that owes the debt. But somehow my parents ' names and their phone number and my current address are linked to this other person. They told me that they could clearly see that the debt is not mine since it is not my SS # and birthdate. I asked if they could stop calling my parents ( at times the calls have been borderline harrassing ). Navient said they would put a note attached to their # saying to not call it anymore. I had this same conversation a year ago and the calls started up again. They recommended I call the credit bureau to make sure that my credit scores have not been affected or that this other person is using some of my information. As far as I know, I still have a good credit score. I have to still call the credit bureau. I 'm not sure how to make theses calls stop or how to get my parents ' # and names and my current address unlinked from her.
I have contacted XXXX XXXX as well as the credit reporting agency on several occasions requesting verification, the method of verification, as well who completed the verification. I have made the request on several occasions in writing. I have also requested this company to complete an investigation into this matter on several occasions in writing as well. the Company. In my request I have asked this company to investigate, verify, validate and provide me with specific information that supports the information reported and the company only sends me a reply stating they investigated and verified the information but has FAILED to provide me with who completed the verification/validation, what was used to verify/validate the information, yet they have continuously reported the information on my report. The companies most recent response to my request was no different than its 3 previous responses.. I have disputed this matter on several occasions and due to the fact that this company has already violated my rights and ignored all previous requests that I have made in writing and have even not even responded but did not complete the request that I have the right to make and fell withing FCRA guidelines. I am requesting IMMEDIATE removal of the account from my credit report immediately/ INDEFINITELY and requesting that they cease and desist all collection efforts INDEFINITELY.
I have a concern with Equifax adding addresses and removing information off of my report that they did not have permission to do so. They added an address of XXXX XXXX XXXX on my credit report. I have never lived at this address and they had no business doing so. I also added XXXX to my fraud alert so that potential creditors contact me. Someone removed it. I had it added a few weeks ago and someone removed it. I am not pleased with any of this and Equifax is about to have a lawsuit on their hands if this is n't resolved in the next few days.
I received a letter from the First National Collection Bureau , Inc . The letter stated I owed a balance of {$880.00} that was turned over to them for collection. It stated the origal creditor was XXXX XXXX. The debt collector states in the letter they will accept a payment of {$350.00} to settle the debt. I tried to contact to the First National Collection via the number they provided on the letter. I called the number three times only to reach a XXXX cell phone recording!! I did not misdial the number as I checked it 3 times. The letter also contained a web address. I logged onto the site to try and recieve information about the so called debt. There was no information available, only payment options. I have never had an XXXX XXXX   account, I have never done business with XXXX XXXX ever. I called XXXX XXXX and spoke to a customer service representative. I gave her all my information and the last 4 digits of the account number that was in the letter. XXXX XXXX had no record of me, or any type of account linked to me. I know this to be correct as I have never done business with them. Also by coincidence I received a copy of my credit reports from XXXX and XXXX only two days before I got this letter. There is no delinquent accounts whatsoever and no accounts ever with XXXX XXXX. I am currently in the process of buying a new home so I requested my credit reports. Upon researching this company, First National Collection Bureau, I found that this is a scam and that they are known to send false letters requesting payments and debt collection. They have used such companies as XXXX XXXX XXXX, mortgage companies, XXXX XXXX, XXXX XXXX etc. the list is endless. They simply try to scam money. I will attach a copy of the letter also. I will try to contact this company again as I was unable to speak to anyone the last time I called. After logging into the website, the phone number started working and went to a recording stating it was First National Collection. I was not able to speak with anyone. Amazing how the number did not work until I accessed the website. I have never dealt with XXXX XXXX, they have no records of any accounts on my behalf. Please shut this scam down. Thank you.
This is my second time reaching out to your agency filing complaint against XXXX XXXX out to your agency regarding same issue. To this very day company has not fix or remove this account that is damaging my credit. My original complaint # XXXX. A few months ago after reviewing copy my credit report I discovered account that appears to be charged off from XXXX XXXX /XXXX XXXX  . I reached out to creditor to advised them I have know knowledge of opening XXXX XXXX store card. I requested creditor validation validity of account by providing me with copy photo identification they obtained when account was open to verify identity of person that open account. XXXX XXXX has yet to mail any of the requested information. XX/XX/XXXX @ XXXX XXXX I made one last attempted to resolve issue with XXXX XXXX  and I decided to give them a phone at XXXX. I spoke with a representative that advised me that XXXX XXXX had sold account back on XX/XX/XXXX to XXXX XXXX. XXXX XXXX has failed to provide me with at evidence to validation the validity of account prior to selling fraudulent account to third party collection agency.
Defamation of Character, False Credit Reporting - I have been trying to resolve this with the Chase customer service team with no luck and very poor/rude customer service from one particular representative XXXX XXXX. He was not helpful in anyway and one of the most rude representatives I have ever interacted with in my life, why he is working for Chase is beyond me. If he worked for my company he would be fired. Every other representative was helpful and understanding. I have had a great experience with Chase until now and had XXXX credit cards with you for which I was forced to close all of them yesterday because they would not resolve removing a 30 day late off my credit reports that is reported incorrectly on my credit bureaus. I opened a XXXX credit card, made one purchase and never received any physical statements. They agreed at the time with the mistake and credited the account late fee. They then put a 30 day late on my credit reports. I have tried to get them to remove this and they refuse. This was not my fault because I never received any notification by Chase. I finally setup electronic statements and then received them. I have done everything I can to resolve this with them with no luck. I just want the 30 day late removed from my credit reports. If I was responsible and it was my fault I would take responsibility but this was Chases fault. Now because of this mark on my credit this could be considered defamation of character since I was not the responsible party that caused this. As I stated before by past record never showed any late payments on any of my accounts and because of their behavior I closed all my accounts with Chase. They are very difficult but this is just wrong. Individuals should not be blamed for mistakes that Chase makes. Have them check all my accounts through them and not one ever had a late payment. Why would I have one late payment when my credit through them has been perfect. Why would they credit the late fee if they were wrong? Why is Chase so corrupt and open to ruin peoples credit? This pertains to account number ending in XXXX. Thank youI am reporting this to every agency I can to take action. Many have been notified in the last day XXXX, FTC, Consumer Finance.gov, Fair Credit Reporting Act, etc. This needs to be removed from my credit ... ... ... 



I will contact all of executive management of Chase with regard to this. 



XXXX XXXX XXXX XXXX XXXX, MN XXXXXXXXXXXX
I am contacting you to inform you that I am disputing the claim by XXXX XXXX XXXX that I owe a debt to them. My contract with XXXX XXXX XXXX had expired and I had a month-to-month arrangement with them. In XXXX of 2017 I informed them that I would no longer require their services as I was switching to XXXX. After much difficulty from them, I returned their equipment and my XXXX service commenced on XX/XX/2017. The XXXX XXXX XXXX bill was due on XX/XX/XXXX and by that date I was no longer using the XXXX XXXX XXXX service. The XX/XX/XXXX payment would have kept me in XXXX XXXX XXXX service up until the XXXX payment. I informed an XXXX XXXX XXXX representative that I was terminating my service with them and asked for instructions on returning the equipment.
Paramount collection agency is reporting four different collection accounts on my credit report. The amounts are {$100.00}, {$100.00}, {$190.00}, and {$53.00}. The total amount is {$450.00}. According to my credit reports with all 3 reporting agencies this debt is for medical services. This debt is the result of identity theft. I have not received medical services from this company. I sent a letter through certified mail on XX/XX/2018 requesting validation of this debt. The company failed to respond however these items are still being reported on my credit report and destroying my good credit standing. I have attached proof that paramount recovery received the letter along with the letter that I mailed. Per the FCRA since this debt was not validated within 30 days as required all debt collection efforts should cease and these items should be completely removed from my credit report.
I settled a collection with DIVERSIFIED CONSULTANTS INC. At the time of payment, the representative agreed to " Pay to remove from credit ''. I have disputed this with the credit bureaus, but DIVERSIFIED CONSULTANTS INC continues to report it. I believe this is unfair since I agreed to pay for them to remove.