WillisBack/dataset-financial-user-claim huggingface dataset:
I have a bank account in a state I no longer live in. I kept the account in case I needed to transfer to my mother 's account which I am a signer on. Since I am out of state I barely use that account. I use XXXX often and accidentally charged the wrong bank account. The account had about XXXX dollars and the transaction was for approximately {$40.00} which overdrew the account. My mom contacts me to say her bank account which I am a signer on had been closed because of the balance on my account which I am sole owner on had been overdrawn for 30 days. She said my account was affecting hers somehow so I called the customer service. Customer service told me to contact the branch directly since there was nothing they could do. I called the branch and by chance immediately got the assistant manager. He said there was nothing I could do and that I should have kept up with the account. I explained I rarely use it and live out of state that the charge was a mistake. He said he could not waive the overdraft fees that now total {$140.00}. He was rude and kept sighing repeatedly when I told him I wanted the fees waived and wanted to pay the overdrawn portion. He kept telling me I had to come in person to take care of the account I should have been more responsible with. I explained yet again I do not live in that state and am sole owner of the account so no one can make a deposit on my behalf. He took down my information XXXX and said he would call back on Monday because he has to contact the back office which was told I can not contact directly. They never even warned my mother that they were closing her account and charged me ridiculous fees on one small mistake with XXXX charging the wrong account. I just want to pay the overdrawn amount and not the fees that they kept racking up on me. They automatically withdrew from my mother 's account and overdrew hers to pay my account then closed hers so now her direct deposit on Monday will not be deposited and will be rejected. I just want to pay what XXXX charged on my account and not have these overdraft fees. THey never contacted my mother to warn her about her account being closed as well. I am a XXXX XXXX XXXX and the fact that this bank is taking advantage of a single mistake is immoral.
My wife and I refinanced our mortgage with Nationstar in XXXX 2016. I enrolled in automatic payments and paperless statements. Our XX/XX/XXXX payment included an additional charge for {$47.00} for Optional Products and Services. I contacted Nationstar to inquire, I was told the charge was for a home warranty policy with XXXX XXXX XXXX XXXX. XXXX XXXX cancelled the policy after several calls and indicated that the original request for enrollment was received XXXX/XXXX/2016 from Nationstar. Nationstar claims that their only role in the process was to collect the payment and forward to XXXX XXXX. I made a total of 7 phone calls ( 4 - Nationstar, 3 XXXX XXXX ). I asked each company for documentation of authorization of payment from our bank account and both indicated that I would need to request it from the other company. How can a company take money from my bank account without authorization? It sounds like fraudulent activity to me.
On XXXX XXXX 2017, I was given a HUD report by a closing agency, XXXX XXXX XXXX, XXXX. This information was to be given to me three days prior to the closing of my home, but was only given to me the morning of closing. In the report there was one very large loan in the amount of XXXX missing, which I could have caught if I had the report in time. The closing company also gave an Attorney my settlement information which I asked that they not do. The attorney ended up getting most of the settlement. I had given the closing company all of my loan numbers two months prior to the closing date, but this one large one was overlooked. I was contacted by the company and wired the money back to them. I asked at the time if they had error and ommissions insurance and they said no. They then contacted my mother and harassed her in making sure I wire the money back. My mother is in the XXXX XXXX business. When I asked my seller Agent about the HUD paperwork prior to closing on three different occasions, she stated that she never gives the HUD to sellers, only buyers. Her name is XXXX XXXX of the XXXX XXXX branch of XXXX XXXX.
In 2014, I visited a apartment complex by the name of XXXX XXXX on a Sunday afternoon. I inquired on a XXXX bedroom apartment and I filled out a application to be qualified for the apartment. I was told that it was Sunday and they would not be able to give me an answer until later on down into the week regarding the status of the application. I still filled out and gave my application fee. I left the complex and got home. less than XXXX hours later I called the apartment complex and told them I had changed my mind on the apartment and to not process the application. I thought this was over with. I did not ask them to refund the appication fee or anything. So I was shocked when I saw this account of my credit profile as me owing them money for a apartment that I never lived in nor signed a lease for.
I requested a detailed description of the alleged charges, dates, and amounts over the phone. Instead I received a letter with just the total alleged amount. I responded with a written dispute letter as I do not agree with the amount in question requesting again a detailed description of the alleged charges in writing. My dispute has not been responded to and the company continues to repeatedly call all day and night and harass my father and provide him with information that is inappropriate. They then attempted to withdraw money from my bank account fraudulently and without my permission and I had to cancel all of my cards.
I owed Original Creditor : Ford Credit, approximately, {$890.00}, however, that was in 2001. 
I received a letter yesterday, attempting to Collect on this " Over '' 10year, debt.This debt doen not even appear on my XXXX Credit report. Would you please " look '' into the Validity of this Nature, please. Thank-you, sincerely, XXXX XXXX XXXX.
Our mortgage lender short paid our property taxes. 
XX/XX/XXXX - property tax due date XX/XX/XXXX - property tax short paid by mortgage lender XX/XX/XXXX - property owner notified by county tax department of unpaid balance XX/XX/XXXX - property owner provided written notice to lender of unpaid balance and requested written verification of successful tax payment XX/XX/XXXX - property owner called lender, lender verified receipt of owner 's request to pay balance due XX/XX/XXXX - property owner received marketing call from lender to refinance and take advantage of equity. I requested status update for unpaid property taxes and was transferred to a different attendant who confirmed receiving my request to pay unpaid taxes. 
XX/XX/XXXX - property owner confirmed through county tax department that tax was still unpaid. 
XX/XX/XXXX - property owner contacted mortgage lender for status update. Lender stated that internal departments were processing my request and confirming amount of unpaid balance. Lender stated their target payment date of XX/XX/XXXX. Property owner stated XX/XX/XXXX as unacceptable. Property owner was transferred to escalation department. Lender attendant stated they would attempt to resolve sooner than XX/XX/XXXX and would contact me after 3 days to provide status update.
XXXX complaintI wrote a check for {$1900.00} and change in the number amount and then spelled out a different amount only XXXX XXXX on the line. They didnt pay the check person or didnt let me know they cancelled it until the tax office sent me a letter that added a few XXXX more because of late fees that i thought was done months ago. Thanks to them i need to pay XXXX plus extra in late fee. 
XXXX complaintI call to get help if they can get a XXXX time security code taken off my account because it is not a XXXX time thing its every time i get on line to check my account. Ask to get help and the lady wants a federal tax number for what its a security " XXXX time thing '' but happens EVERY TIME I LOG ON. I did n't ask for a password or user id i have all that but I want to say Bank of Hawaii I will never do buisness with or would n't recommend it unless you enjoy useless type of customer service. The person i signed my buisness account with changed banks and i am in the process of moving to its just a warning for the rest who want service and help look elsewhere its guarentee better.
You as a credit reporting agency continually keep returning my disputes back as verified. How is this possible if by design they never actually conduct an adequate investigation? It is public knowledge that they simply verify the disputed items by using the XXXX system. According to the FCRA this is in no way an adequate for an investigation. I have over the course of three rounds of letters have sent demands of validation and verification to the creditors and collection companies. Since there has not been an investigation into these accounts I am DEMANDING an investigation into these accounts. I am aware of your business model you are in no way responsible for the wellbeing of the public nor do you care. You are simply a data collection company that conducts only b2b business, for the sole purpose of selling data to the highest bidder, and the integrity of that data be damned. There is no actual verifiable proof that these items are in fact mine. Under the UCC have you researched or attempted to compile any contract between me and the alleged creditor, I can give resound NO YOU HAVE NOT! I therefore DEMAND that you do a thorough investigation into these accounts as required by law. 

Please Delete the following accounts.

1. XXXX XXXX XXXX credit record ( # XXXX ) 2. XXXX XXXX XXXX credit record ( # XXXX ) 3. XXXX XXXX XXXX credit record ( # XXXX  ) 4. XXXX XXXX XXXX credit record ( # XXXX ) 5. XXXX XXXX XXXX ) credit record ( # XXXX ) 6. XXXX XXXX credit record ( # XXXX ) 7. XXXX XXXX XXXX   account ( # XXXX ) 8. XXXX account ( # XXXX ) 9. XXXX XXXX credit record ( #  XXXX )
Chase is showing XXXX accounts on my credit report without sufficient information. I have requested them to fully validate my accounts XXXX times ( with certified mailing receipts ), but they have failed to do so. I have also been in contact with the XXXX credit bureaus in order to get these accounts removed, with no such success.
XXXX Wells Fargo bank XXXX XXXX Florida and all branches* said I went to the teller window and withdrew funds and wrote checks, I was in a facility through the entire time and before a XXXX Circuit Court Judicial Judge XXXX XXXX , the amount lost or stolen was greater than {$2000.00}. I was told the claim was denied, that the signatures matched. I was given copies of the withdrawal slips, I did make withdrawals at the teller window after XX/XX/, and the slips had my signature, there were alterations on the bank slips. The checks I was said to have written are said to be lost or stolen, they were never recovered, the funds were never returned to me.
I am unable to view my credit report and score from Equifax using XXXX on XX/XX/18. XXXX told me Equifax has a block on it to contact them. I contacted Equifax and they sent me to Consumer Affairs. Consumer affairs told me I can not ever see my credit report or score online. They can send me a paper one in the mail only. They could not give me a reason why. I never reported a fraud alert.
OnXX/XX/XXXX Navient started to harass several of my family members by phone in an attempt to get ahold of me. One of my family members stated she got 10 calls from Navient just one XX/XX/. I got reports from 4 additional family members who also repeated got multiple harassing phone calls. I never gave out these family members numbers or gave Navient permission to contact them.
XXXX  has reported twice amounts that they said I owed on fraudulent accounts. When the issues were finally proved they were not my accounts they failed to restore my credit rating to the number it was prior to the problem.
I made an extra payment of {$200.00} on my Chase VISA card. Due to a circumstance I still do n't understand, the money was not there and so the deposit did n't go through. Now Chase is holding my deposits for UP TO TWO WEEKS after it receives my money before it makes the money available to me. This is ruining my credit because I have automatic payments coming from the card. I have had this card since 2001 and this is the first time to my knowledge that this has happened. Chase now says they will do this for UP TO SIX MONTHS. This is outrageous. What right have they to hold my money and make money off of it instead of making the money available to me once I pay my bill?
I provided all of my personal info and was told that I was preapproved for the loan. I then applied and provided all of the required documents. I was told it would be a few days before i heard something. A week later I called to inquire and was told it was n't a problem. Another week pass and I was call and asked some questions. After that my account was close and I was denied the loan by email and could not log into my account for an explanation.
Noticed an account from XXXX that is incorrectly being reported. I contacted the debt collections agency and they stated they do not have an account under my information, as it was returned to the original creditor, XXXX. However this is still reporting incorrectly on my credit report for both XXXX   and Equifax.
This company is Castle Payday, It goes and has gone under multiple names, Red Rock Lending, and has now changed its name to Big Picture Loans. Avoid at all costs I made the mistake of taking a loan out with these scam artists, I was approved for a {$800.00} loan, but only borrowed {$350.00}. I was told by the Rep on the phone that there would be a finance charge, steep, but I agreed. 

What I did not know, and could not see at the time I accepted this agreement, was that the Truth in Lending disclosure not visible at the time I accepted this loan showed an APR of, and this is not a typo either, over 750 % and that the total repayment amount for my {$800.00} loan would be a well over XXXX. 

Payments were {$350.00}. Even with high interest I figured XXXX or XXXX payments would do it. 

My bank looked into it. Agreed it was outrageous. Now, they tell me theat Castle has come back with legitimate paperwork. 

Well of course they have paperwork. I signed it. At the time it WAS NOT REVEALED that payments were interest only - the loan just builds and builds!!!!!
XX/XX/XXXX I spoke with XXXX XXXX, about my mortgage being late XXXX stated we can do a modification but we need your XX/XX/XXXX tax return and paystubs from your job 6 Months. I never submitted the documentation because I felt I did n't need the modification. 
XX/XX/XXXX receive a letter advising me required documentation was not received and Wells Fargo unable to offer assistance. 
XX/XX/XXXX received another letter advising me of my FICO score is less than since I closed on my Mortgage/ Payment history must have no 30 day late payment XX/XX/XXXX I received another letter stating my mortgage was going from {$880.00} to {$1000.00} I called Wels Fargo spoke to XXXX I question what is going on with my mortgage he advise a modification was complete and we now have added your homeowners insurance into your mortgage, I question how is that when I never submitted any paper work for the to be done. I ask to speak to an Supervisior. 
XX/XX/XXXX spoke to XXXX XXXX XXXX ex XXXX he advise me they sent a check to XXXX XXXX in the amount of {$600.00} my question to XXXX how can a modification be completed with out my consent and no documentation to make a decision of what my mortgage would be I also state I thought a modification was to help you not hurt you still I do n't understand how this process was complete but XXXX insure me this would be corrected. 
XX/XX/XXXX called back to WellsFargo spoke to XXXX was put through to talk to XXXX he state the correction will be corrected XX/XX/XXXX because he has work to do to make the correction. on XX/XX/XXXX called XXXX to make my mortgage because he said it would be better if he took my payment over the phone since he knows whats going on with my account. XXXX advise me that I need to call state farm so they can send the check back to Wells Fargo in the amount {$600.00}. I called but I think this should be handle by them since they made the mess so I called XXXX XXXX and they reissue the check back to Wells Fargo XX/XX/XXXX received another letter advising me my mortgage is {$1000.00} problem still not corrected this is becoming a hassel and stressing me out. Can you please look into this matter I can be reach @ XXXX r XXXX I did questin if they know what they are doing because one letter stats amount {$1000.00} another one {$1000.00} but my mortgage is {$880.00}. Thanks for you time.
The State of Alabama incorrectly filed a XX/XX/XXXX lien against us in XXXX County, Alabama. After determining that our appeal was justified, they rescinded the lien back to its effective date of XXXX. Both XXXX and XXXX have repeatedly refused to acknowledge the lien as rescinded and have filed the lien as " Paid, Released. '' They plan to continue the documentation on our file until XX/XX/XXXX. This erroneous designation is negatively affecting our credit report, our credit score and our ability to secure a home loan.
Back in XX/XX/XXXX had two student loans that I consolidated ; with the total of the two loans being about XXXX. Unfortunately, being a single mother at the time, stopped receiving child support and had to stop going to school, to get a second job. As a result my loans went into default ; for a several years. Some years later started paying on the consolidated loan again, with a program to get out of default and this was accomplished. However in XX/XX/XXXX, while still paying on the loan, started receiving letters that I was in default, causing my federal income taxes to be with-held. When contacting the loan carriers was told continuously that there was another loan and for the next eight years could not get the issue resolved. To add to my chagrin, wages were garnish, still could not go back to school, was fired from jobs due to phone calls, and denied good jobs in my field because of my credit score. No one would help me take care of this problem. Finally when making my usual every two month call asking for help, an agent went off script and informed me that my loan may have been doubled. He then gave me additional information on how to get the issue resolved and in XX/XX/XXXX they applied back all the money that the IRA held and garnished wages, The loan although was taken care of partly, totally ruined my career. I am now XXXX XXXX XXXX and make XXXX an hour. I truly feel that this loan did not serve the purpose that it was intended to do
I have tried contacting Syndicated Office Systems without any luck to get proof of my debt and it is still on my credit
Frustrating to get a hold of any one to do a loan modicationi believe i got bad loan. home depot failed to properly process and underwrite home mortgage loans backed by the U.S. Veterans Administration. Bad underwriting often results in higher than average default rates. When that happens, both taxpayers and veterans lose like myself. please help me get loan modification.i believe i got bad loan. XXXX XXXX failed to properly process and underwrite home mortgage loans backed by the U.S. Veterans Administration. Bad underwriting often results in higher than average default rates. When that happens, both taxpayers and veterans lose like myself. please help me get loan modification.
1st Dispute Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXXXXXX XXXX, PA XXXX XX/XX/XXXX Dear : XXXX XXXX XXXX XXXX. 

I am writing in response to your letter dated XX/XX/XXXX, copy enclosed because I am disputing the alleged debt. 
Before you contact me again, please provide me with the following documentation : Proof that you own the debt, or are authorized to collect on this debt on behalf of the current owner ; Proof that the debt was actually incurred by me with respect to the original creditor ; A copy of any judgment ( if applicable ) ; Proof that you are licensed to collect debts in Texas Be advised that I have documented all correspondence with respect to this debt and will not hesitate to report any violations of the law to my State Attorney General, the Federal Trade Commission, and the XXXX XXXX XXXX. 
Finally, if you are not authorized to collect this debt thereon, I demand that you immediately forward this dispute letter to the original creditor to inform them of my dispute. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX 2nd Dispute Online Thank you for submitting your dispute We have received your dispute request. The information you provided appears below. 
Once you submit your dispute ... 
TransUnion will contact the party that provided the information and request it to verify the accuracy of the information. 
The party will then inform TransUnion of any changes that should be made to the information.

TransUnion will mail you an updated copy of your credit report, reflecting the results of the investigation. We will send this to you via U.S. mail usually within 30 days of receiving your initial request. Mail delivery typically takes 3-5 business days.

If you are not satisfied with the resolution of the investigation, you may add a consumer statement to your TransUnion credit report. This is a section of your file where you can provide additional explanation. If you would like, we can even help you write this statement. 
When you have a dispute pending, we recommend that you not apply for credit, as the results of the investigation may affect a new credit decision. 
Please print this page for your records. 

Personal Information Name XXXX XXXX XXXX, XXXX. 
Social Security Number XXXX Date of Birth XX/XX/XXXX Home Phone Number ( XXXX ) XXXX Employer 's Name RETIRED Email Address XXXX Current Address Address XXXX XXXXXXXX XXXX  XXXX XXXX, TX, XXXX Previous Address Address XXXX XXXX XXXX XXXX XXXX, TX, XXXX Credit Report File Number File Number XXXX Personal Information Corrections Corrected Field Comments 3rd Disputes Company Account Reason for Dispute XXXX XXXX XXXX # XXXX Other : Before you contact me again, please provide me with the following : Proof that the debt IS MINE Comments Comments I am writing in response to the alleged debt, please provide me with the following documentation : Proof that the debt was incurred by me with respect to the original creditor Close this window XXXX XXXX  XXXX. All rights reserved.
I was employed by XXXX XXXX between XX/XX/XXXX-XX/XX/XXXX. I was shocked when I saw a collections from them on my credit report six years later. Since they are a trucking company and not a lending institution, and since I was an employee, a XXXX XXXX XXXX, not a borrower, I filed a dispute with XXXX, who was able to remove the collections from my report. Then, XX/XX/XXXX the same collections shows up on my XXXX. After several disputes to no avail, on XX/XX/XXXX at XXXX, I contacted Lockhart Morris & Montgomery , the collections agent : they were very curt and simply concluded refuse to pay. On XX/XX/XXXX at XXXX, I contacted XXXX  only to find out that it was a ticket in OHIO that had come in after I had left the company ; as a company driver, all over-weight tickets and other fines are the responsibility of the employer ; I spoke with XXXX  collections personnel, XXXX , who could not figure out what the charge was for nor the code attached to it : " this kind of charge is usually from the Independent Contractor side. '' When informed that I was an employee, " Oh, why don't you call payroll and see what the code is for, then call me back. '' It is only after I spoke with payroll that I discovered the charge deriving from a fine in OHIO. Why I am supposed to be responsible for it? I don't know. Why seven years later? I don't know