WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX - I deposited a $ XXXX check written to me drawn on a XXXX bank account. I usually rip up my checks, but for some reason, either this one did n't get ripped up, or it was re-created, I 'm not sure which. 

XX/XX/XXXX - Someone took or used the same check referenced above, went to a XXXX bank in downtown XXXX XXXX and cashed that check. 

XX/XX/XXXX - Citibank debits my account for $ XXXX. No reason is stated in the debit notes, no letter sent via regular mail, email, or citibank mail. I have to call my local branch and they have to tell me that a check was negotiated at XXXX and XXXX charged them for the money. I was then penalized and my money taken out. No additional money was ever taken from the chase customer who wrote the check. 

XX/XX/XXXX- I reach out to my citibank gold hotline about this fraud. They tell me they can not open a fraud case because there was no fraud on my account. They tell me they can not open a forgery case because there was no forgery on my account. I ask to speak to a supervisor. No supervisor is reached so I am told I will get a call back immediately regarding the situation. As of XX/XX/XXXX nobody has called me back. 

XX/XX/XXXX - I reach back out to the citibank manager I was dealing with before and she is amazingly helpful. She reached out to the escalation department who told her that Citi bank honors the 2nd cashed check, not the original mobile deposit? This is outrageous and makes no sense!! I am told to go to XXXX, track down the check and bank it was cashed at and file a fraud claim with them. 

XX/XX/XXXX- I go to the nearest XXXX bank, I 'm told there is no record of second check being cashed. XXXX then gives me the reference # and back of house information on the check. I present that to XXXX and they tell me, yes someone did cash a check at the XXXX XXXX XXXX location in XXXX XXXX. At midnight when checks were getting cleared, XXXX did not let the check clear and Citi was alerted. 

XX/XX/XXXX - I finally am able to reach the manager of the XXXX XXXX XXXX branch where the check was cashed, and SURPRISE!! I am told to call Citi 's customer 's service and file a fraud claim so that Citi can initiate a search and investigation into the transaction with XXXX. At the branch level they have no way of accessing these documents or videos now. 

SO please tell me why Citi tells me they ca n't file fraud claim for me? Tell me why, instead of being my advocate, they are telling the fraud victim to be a detective?? Please tell me why, I am being punished for a XXXX teller error by Citibank. I have worked in banks before and this kind of treatment is pathetic. This is n't service, this is a disservice. I have wasted more time ( and when that time is translated into money based on my hourly rate ) chasing down my money, than what Citi STOLE, yes STOLE from me.
on this site you state that 'You can not be charged a late fee if you paid at least the minimum amount due and your payment was received by XXXX XXXX. ( in the time zone where payments should be received ) on the date it was due. ' However, this has not been the case with my TJX Rewards Platinum MasterCard from XXXX XXXX. 

My credit card statement includes the warning : 'Late Payment Warning : If we do not receive your Total Minimum Payment Due by the Payment Due Date listed above, you may have to pay a late fee up to {$35.00}. ' My payment due date is the XXXX of each month and I have paid at least twice the minimum due each month before the due date, yet I have been assessed a late fees. For example, in XXXX, my due date was XXXX XXXX and my minimum due was {$140.00}. I made a {$200.00} payment on XXXX XXXX, and a {$100.00} payment on XXXX XXXX, yet I was charged a late fee for this billing cycle. 

I called the company and was told that the payment made on XXXX XXXX was counted towards the XXXX billing cycle ( which ended XXXX XXXX ) and thus did not count towards the minimum payment due in XXXX. It also did not count towards the minimum due in XXXX because it was after the due date of XXXX XXXX. Therefore, any payments made between the due date and the 'cycle date ' do not count towards the minimum payment due for either month. I asked to speak to a supervisor on XXXX XXXX ( around XXXX XXXX ) and asked where this was disclosed, the supervisor stated that it was in the terms of service - it took him several minutes to find a reference to it - which stated that only one payment was due per billing cycle.
I am filling this complaint because XXXX has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 XXXX 5 ) ( A ) of the FCRA - they are required to " ..Promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you
I received a letter from Sunrise Credit Services , Inc in XXXX, NY notifying us that we have a balance due of {$32.00} for XXXX XXXX. After thinking about it, I realized that yes I did receive the magazine but it was always paid for in advance and that I should n't owe any money. I called Sunrise Credit this morning to inquire about this and to determine when it was due. I was told there was nothing due but they worked for XXXX XXXX in order to renew my subscription. I asked them if I owed any money and all she said is do you want to renew. I said 'no ' and she told me to have a nice day and quickly hung up. This is an extremely unfair way to convince people to renew magazine subscriptions and upset me thinking I had a debt that went to a collection agency.
Transunion is currently reporting inaccuracies in my credit report. There are XXXX student loan accounts that were never late and they continue to add more that all have the same account number but are reporting incorrectly. According to FTC opinion on the FCRA Sec. 623 ( a ) ( 2 ) of the Fair Credit Reporting Act requires a furnisher of information to provide corrected or updated information to all of the consumer reporting agencies ( credit bureaus ) to which it was originally reported, regardless of the fact that the information was accurate when originally reported. Also under the Higher Education Act ( HEA ) Updating and correcting previously reported information includes removing default history after a borrower successfully rehabilitates, as required by Sec. 464 ( h ) of the HEA, as well as correcting a reported delinquency to reflect the application of a retroactive deferment and forbearance that ultimately converted the original period of delinquency into a period when no payment was due. I have letter from the original furnisher showing that my account was indeed in forbearance from XX/XX/2012-XX/XX/2012 which is when these late are showing incorrectly on my credit report. Instead of fixing these errors Transunion has taken more than the allotted time and has added closed accounts with the same account number with no clear reporting of these accounts. Also I the other inaccuracies that are not being properly investigated and shown proof under FCRA laws that show me the validity of these accounts that I have asked for many times now I the investigation is taking longer than the timeframe given by law. Transunion continues to report inaccurate personal information that when I call they assure me that it has deleted but when I get the updated report it continues to show up when they tell me it has been deleted. If Transunion continues to disregard my dispute and going past allotted time to investigate and properly verify per FCRA laws I will be forced to file suit in small claims court for damages caused by the inaccuracies to my credit report.
On XX/XX/XXXX I tried to reduce the interest expenses on my loan # XXXX with Wells Fargo Home mortgage ( Servicing of my loan ) then I made a payment for {$2000.00} by my check # XXXX from my account # XXXX in Wells Fargo Bank branch at XXXX XXXX in XXXX XXXX NC. the payment was paid to Wells Fargo Home Mortgage by XXXX XXXX XXXX XXXX ( agree the statements ) .since I have tried hardly Wells Fargo Home Mortgage to reduce the principal on my loan for the amount paid by me of {$2000.00} this have not happen. The last time I contacted them on XX/XX/XXXX the company one employee of the company told me they applied my {$2000.00} to the escrow fund on my loan. I want to observe that I have paid my loan for about fifteen years without skipping payment or having late payment. So at the time of my payment for {$2000.00} I did not have pending for escrow fund neither for my regular monthly mortgage payments. 
In regarding to the escrow fund, when I had shortage on this fund I use to mail a check to Wells clearing house they ask me to mail.. The company on its account activity statement recorded my payment as received but did not reduce the principal on my loan. also when Wells Fargo does not apply my monthly payment to the loan as happened on my payments of XX/XX/XXXX for {$820.00} paid by my ck.XXXX account XXXX, my loan will show a shortage too on my escrow, interest and insurance because they are included on my monthly regular payments. for instance in XX/XX/XXXX I paid my ck. XXXX from my account XXXX for {$820.00} this has not been posted on the statement sent me by Wells Fargo Home mortgage on XX/XX/XXXX, the company want to involve this payment with my payment of {$2000.00}
My wife and I have been residents of XXXX XXXX all of our lives and want to spend our retirement years in our home. We have done everything we can think of to resolve matters with our mortgage servicer, your company Nationstar mortgage, but our pleas for assistance have been ignored. We are being forced out of our home because Nationstar Mortgage can not get their process together and are failing to communicate with us properly. The servicing of our loan was transferred to them from XXXX Mortgage, but the payments we sent to XXXX XXXX Mortgage and to Nationstar Mortgage was never applied to our loan. Further, Nationstar Mortgage will not speak to us professionally regarding our mortgage and the problems they created. We are in a situation where they are going to take our home away through foreclosure, but it is n't our fault. We are hoping that you could reach out to Nationstar on our behalf and get them to speak to us. We just need a push, not for you to get involved, unless you are will to do so. 

The problem started the end of 2011 when my loan was transferred from XXXX XXXX to Nationstar Mortgage. During our time with XXXX XXXX the service was perfect, but once Nationstar Mortgage took over our mortgage issues began and now has turned into a nightmare. They lost our mortgage payments and this was the start of our problems and they are failing to recognize their errors and correct them. Nationstar Mortgage is refusing to work with us and has declined to take our partial payments. They are now demanding the full delinquency amount. This is impossible and has pushed us further and further behind and we are faced an imminent foreclosure.
charged a pre-payment fee on a lien that was placed on wrong parcel Attached papers of loan, fee and other informationl
There is an account called " XXXX XXXX XXXX XXXX '' on my credit report which is fraudulent. This was opened up by someone who stole my identity back in XX/XX/2010. I have filed a police report and an affidavit and forwarded it to the all of the credit reporting agencies. XXXX  and XXXX removed the information except for Experian. They never took it off or took my case serious. I have disputed this account a numerous of times with Experian but never removed this fraudulent information from my credit report. I am very dissatisfied with this credit reporting agency because they should take fraud more serious and report accurate information. If you all can help me remove this fraudulent information off of my credit report, please do so. Thanks a lot.
Monthly mortgage payment was increased by {$17.00} so called United Security Financial to ensure they got the difference. Representative said she could take the payment over the phone and would waive the {$9.00} fee. ( yes 9 dollars ). Contacted USF several times in the past 2 months on this issue and still not refunded.
I got a voicemail from XXXX XXXX XXXX from Critical Mediation LLC stating about a Fraud Claim against me. I called the number backed she then responded that she is collecting a debt not a fraud for XXXX XXXX. I told her I would like to verify first to make sure that it was my actual debt. Since it was for XX/XX/2011. She then said did n't give me time to call her back since I as driving. She have told me that we will file the lawsuit once I hangup the phone. After reading my consumer laws that 4 years old debt cant be sued. Second not mentioning that she is collecting a debt. Lastly not allowing me to verify my debt.
Dear Sir. I have applied for a Barclaycard Cash Forward Credit Card to Card Services, XXXX. XXXX XXXX, XXXX, DE XXXX ; My Application XXXX was rejected on XX/XX/2016 on the grounds " Too many new accounts opened ''. First, this is not a valid reason for rejection. The real reason for the rejection is discrimination on the grounds of age, race, religion and national origin, specially since I was invited to submit my application based on my credit report. However, when Barclaycard looked at my full profile, they were moved to discriminate against me based on their prejudice. The denial of this credit is, therefore, in violation of the U.S. Laws against Discrimination. CFPB is hereby requested to take action against Barclaycard for the violation of the Law. Thanks.
I received information from the Student Loan Help Center about a program attached to President Obama 's affordable care act. I was told that this program would allow me to reduce my monthly payments and eventually have my loans forgiven after 20 years instead of XXXX. I was told this would all be done for me for a one time fee that can be split up over 3 months. I would have to fill out an application and " e-sign '' it to complete the application process. However, part of what I was told to " e-sign '' turned out to be some kind of legal contract that I was not informed of. I was told that I would only have to sign in XXXX places and it turns out that my e-signature was placed in at least XXXX other places. Throughout this entire process, the worker over the phone heavily implied that this was run through the government and that they were in fact part of the government. At no point in time was it disclosed to me this was a private company or that I can apply for these type of relief methods myself. This whole process may not be fraudulent but it is predatory. It preys on the fear many students have with large debt and convinces us of a golden way out. As it turns out, the old saying If it 's too good to be true, then it probably is. '' was correct.
A vehicle was advertised on XXXX, supposedly by a XXXX XXXX XXXX, XXXX. The purchase was to be made following receipt of an " XXXX '' invoice and deposit of cash into a REloadit Safe account. The vehicle would then be shipped by the " XXXX XXXX '' at XXXX XXXX MD. There was supposedly a seven day trial period upon arrival of the vehicle. Communications between the potential buyer and the impostor were by internet text and email. Research indicated a cyber crime scan.
Have filed complaint twice now. This will be third. They have violated FDCPA law which stated they must contact me within 5 days with written proof of debt after initial contact. Which was when they sent this to collection which was either on XX/XX/XXXX and they have sent me a pdf of a letter they claim they sent that I never received with a date on it as XX/XX/XXXX and obtained the debt XX/XX/XXXX according to them and started reporting in XX/XX/XXXX and all this without proof. The date that shows on the credit report curious enough is XX/XX/XXXX. They claim they have no control over what the credit bureaus report but I see no reason as to why the credit bureaus would report it before they even sent thethe debt in question to collection or how they wouldn't have control since it is refreshed by them every month.
I have  Southwest Rapid  Rewards credit card from  XXXX  to  XXXX . I called to close the account on  XXXX .     Chase, the issuer of the card did not appropriately close the account and failed to notify me. The credit card statement were missing in Chase.com credit card website for months of  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX . The Chase credit card website did not make it clear that this credit card is still open by hiding the statements from month of inactivity. Chase charged me {$99.00} twice on  XXXX  and  XXXX .     I called Chase on  XXXX / XXXX / XXXX  to close the account and refund the fee for  XXXX . Chase refuse to refund the fee for year  XXXX .
I 'm being given the run around for over a week. 
Over a week and still can not access my mortgage account online. 
Pennymac usa is making no effort to reset my account so that I can access my account online to pay my bill and be aware of account issues.
ERC reported me to XXXX that i owe a debt to XXXX which i did not owe on several occasions i called them on a recorded line which i have evidence asking them to verify the debt or sent me proper documentation proving that i owe the the debt they have refused to provide any evidence. And last month i called them again they told me that XXXX have pulled the debt from them and that they are going delete it from my credit report i have recordings its been more than 50 days ERC is still on my credit report reporting for XXXX The Fraudulent actions of ERC is preventing me from obtaining credit.
I would like a detailed explanation of how the disputed accounts with XXXX and XXXX XXXX were investigated and validated within 15 days of this request. I disputed accounts with XXXX and XXXX XXXX with the credit bureau. I also submitted a request directly to the company demanding validation of the debt. The creditor has failed to respond to my demand of validation and is therefore illegally reporting the account information. The FDCPA prohibits any company from engaging in collection activity for any debt they can not validate. If XXXX and XXXX XXXX ( the XXXX XXXX ) were unable to validate the debt with me I find it very difficult to believe they complied with the credit reporting agency.
My landlord wrote XXXX check to return our security deposit to my roommate and myself. He clearly wrote pay to the order of ( XXXX ) AND ( XXXX ). PNC bank cashed the check out to my roommate without my consent or presence. They should not have released the money to her without my permission also. Her and I ended on bad terms, thus, she will not give me my portion of the money. I contacted PNC multiple times about this issue and they have not done anything to resolve the matter.
The company stated they purchased this loan from someone else. But, failed to mention the name of the company. I'm only aware of XXXX XXXX XXXX as the loan originator. Who did they purchase the loan from? 

I never received a TILA disclosure and just found out about it on the CFPB website.
Chapter XXXX Bankruptcy was reported in my Transunion credit report on XX/XX/2010. 

It was reported by : Federal District XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PR XXXX ( XXXX ) XXXX Case Number # XXXX XXXX The United States Bankruptcy Court, Distric of Puerto Rico, notified that the Trustee appointed in the aforementioned cases filed a Report of No Distribution on XX/XX/2010. 

The United States Bankruptcy Court, District of Puerto Rico, ordered for the discharge an the closing of the case on XX/XX/2010.
Xoom Corporation advertises and says that money remittance to XXXX Banks will be done within 4 hours during XXXX Banking hours, because of this feature whenever I need to send money immediately I use XXXX hence on XX/XX/2016 XXXX PST I had sent some money to XXXX and the transaction number is XXXX after few minutes I saw the transaction status got changed to delayed and there was no mention why the delay and then I contacted customer care and they said they have some problem with their XXXX Banking partner and its delayed for 3 days, then I asked them to cancel so that I can send money with other remittance providers but they said we can not cancel since the partner had already processed and I had to wait for 3 days but still the transaction was not processed and had to call several times to cancel the transaction. I was supposed to give money to someone in XXXX hence I used xoom to send instantly because of xoom irresponsible and pathetic service I had incurred a loss of XXXX and no proper notification and false advertising.
The issue is with Bank of America ( BOA ) on the APR of 19.74 %. I have a credit score of XXXX according to BOA. I have been a customer since XX/XX/XXXX, and my power reward card issued through BOA has a 8.47 APR according to XXXX customer service representative of BOA on XX/XX/XXXX. I called the company to research the best way close and open accounts to avoid any penalties. I was advised to close my Power rewards card and wait until my Flexible reward card came in because I was unsure that BOA would review my history and give a comparable rate to my Power Rewards card, the APR on the Flexible reward card was 15 % -23 %. XXXX transferred me to XXXX where I asked XXXX when I receive the new Flex card will my XX/XX/XXXX member since be carried through, she said it would. I also asked about 8.47 % APR of old card would be reviewed for the new card. XXXX mentioned to not cancel oPower rewards until Flex card came in and I liked the APR. I spoke with XXXX on XX/XX/XXXX and we opened a new card but did not cancel Powerrewards yet. I received new card XX/XX/XXXX and was dismayed that the APR was 19.74 %, my name middle name was wrong XXXX not XXXX and the cardmember stated XX/XX/XXXX. I called XX/XX/XXXX BOA was not open, I called today XX/XX/XXXX at XXXX presented my problem to XXXX and asked for a manager XXXX. I explained my problem and wrote a complaint up. But offered no solution, I was upset by this.
FINAL NOTICE, i have not been giving notice by this company and giving the right to dispute this debt, i will now dispute thru this site, i dont recall this debt so under fcra i am requesting that tis company provide my an document in which i agreed to pay said debt amount and my signature all on my contract, per ftc opinion letter, only a signed contract with an amount between me and the creditor is the only form of validation, This is a Notice of Direct Dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information you have posted to my credit file.

In compliance with FCRA 623 ( a ) ( 8 ) ( D ), this Notice of DIrect Dispute includes : Identification of the specific information being disputed : AN ITEMIZED STATEMENT IS NOT VALIDATION, AS I DONT CONSENT FOR THIS COMPANY TO HAVE ANY OF MY MEDICAL RECORDS CAUSE THAT TO DOES NOT VALIDATE AN ACCOUNT, AND I WILL NOT EXCEPT AN ITEMIZED STATEMENT AND NEITHER WILL THE COURTS, THE ONLY VALIDATION FOR ANY ACCOUNT IS A SIGNED CONTRACT OR AGREEMENT, ONE IN THE SAME
EQUIFAX, XXXX, AND XXXX ARE STILL REPORTING FRAUDULENT ACCOUNT INFORMATION IN MY NAME. THE FRAUDULENT ACCOUNTS ARE ( XXXX XXXX / XXXX XXXX, XXXX XXXX, XXXX XXXX, AND TAX LIEN PUBLIC RECORDS FRAUDULENT INQUIRIES XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX
Transworld Systems Inc is reporting a debt collection account with the original creditor of XXXX XXXX XXXX XXXX. I never received notification of the debt owed, nor did I receive notice of my rights to dispute.