WillisBack/dataset-financial-user-claim huggingface dataset:
On or approximately around XXXX XXXX, 2017 as i was making my monthly payment I took notice that my account Balance was higher than it should have been by my budget record. At that point i called to report fraud/unauthorized use of my card with CapitalOne XXXX Card at ( XXXX ) XXXX seems there were small charges done over past few months that i had overlooked when CapitalOne first removed the charges i felt the issue was going to be resolved as these done through the internet and so there in no signatures, no card swipe or anything else to verify that i had placed/authorized any purchases but few weeks later they conference called me with the company which applied these charges during which based solely on fact they have tracking numbers through USPS without any signature to prove these items were ever actually received i was told that the charges would be placed onto the new account number as the original was closed for security and replaced with new account number and card. There is nothing from the company to validate these charges other than USPS tracking numbers showing delivered to my home address. No signatures for any of these transactions at point of sale No card swipe No chip readings Basically is no validation to show these repeated orders/shipments Even the local Post Office in my town has had the public drop off box broken into so without any viable proof of any authorized purchases I am now being held accountable for {$320.00} by my own credit card provider Charges are as follows : XXXX/XXXX/17 {$4.00} XXXX/XXXX/17 {$6.00} XXXX/XXXX/17 {$89.00} XXXX/XXXX/17 {$68.00} XXXX/XXXX/17 {$89.00} XXXX/XXXX/17 {$68.00}
Experian has told me that they have investigated an account to XXXX XXXX XXXX. After speaking to the original creditor, XXXX XXXX XXXX had the credit bureaus remove the false information from my credit report. Experian has refused to remove this information.
I believe my issues may fall under JUDICIAL MISCONDUCT, Federal District Ct, XXXX, XXXX. I can appreciate how convoluted this may sound My purpose is to learn if XXXX XXXX dept will even condisder a review of my situation. Assuming I can get an ear without wasting cfpb valuable time. I was awarded my claim for title of XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX by XXXX XXXX, XXXX, XXXX late XXXX XXXX. Judge XXXX held a hearing at requet of AHMSI, XXXX XXXX, attorney for AHMSI. At this hearing Judge XXXX asked XXXX if she had any lawful " note '' to prove American Home Mortgages legal standing under TILA XXXX. XXXX answered " NO ''. With that admission Judge XXXX dismissed AHMSI. Iwas XXXX and was hen under instructions to draft his order funding in favor o ( m ). A week later I used that order to place lawful title in my name. From that point I commenced doing expensive improvements totaling some approx {$50000.00}. and commenced living in my home. 

Approx 1 year later I received notice to appear inXXXX Federal Dist Ct, Judge XXXX XXXX Presiding. In approx mid XXXX after I preparedly self for defense, XXXX. Not too long after I received Notice of Dismissal in favor of XXXX, OCWEN, AHMSI, Option One tat I XXXX XXXX XXXX was dismissed with prejudice, precluding me to be flushed down the Federal Ct toilet. Subsequent to that I was forcibly evicted about the same time I was in a life threatening XXXX and was hospitalized with XXXX. During my recovery I was forced to vacate. My life became an unholy terror ending up with me being forcd to leave XXXX to be assisted by my older brothe and finally settled in a mobile home in XXXX XXXX. I live now in near abject poverty having lost not just a valuable home bur the over $ 50k Judge gave to the criminal bank XXXX and the equally criminal OCWEN, and AHMSI. For me, well educated, it XXXX of justice spearheaded by Fed Judge XXXX XXXX. It smacks of a Federal Judge acting in collusion with several criminal ( aledged ) banks and absolute and total disregard of TILA XXXX which I followed to a T from way back in XXXX when AHMSI CEO XXXX ) e mailed XXXX promises to provide that which TILA requirers under law. AHMSI merely lied an d laughed at me failing al my XXXX ret Rec proof of delivery required by TILA. They commenced lying in writing mid year and refused to honor the CEOs promises to provide data. 

Like I said, quite convoluted but all tue and I have never found any counsel to assist me. Back then, before XXXX XXXX took hisCFBP position, all XXXX attorneys were gun-shy of all these fat kat mortgage servicers. I actually contact XXXX XXXX just before he left Ohio and was never able to reach him up ti l. 

In Advance I thank you for the look see that put this XXXX yrs old XXXX Vet on XXXX. I am reduced to begging for constructive help. Kind of given up all hope. 

XXXX XXXX XXXX XXXX XXXX
XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, NC XXXX ; Cust. Serv. XXXX, acquired the mortgage on my rental property in XX/XX/XXXX. XX/XX/XXXX-XX/XX/XXXX, they requested proof of hazard insurance both by mail and by phone, which I provided. XX/XX/XXXX, I received another letter, telling me that XXXX would purchase a " forced '' hazard insurance policy XX/XX/XXXX, because I had not responded. At that time, I called XXXX again and re-sent the Hazard Insurance certificate via PDF/email. The representative on the phone verified that the certificate was received and the policy would not be needed. XX/XX/XXXX, I received a statement from XXXX, showing that {$3400.00} was credited back to my escrow account, as the charge for insurance was reversed when proof of insurance was provided. It appeared the matter was resolved. 

Then, on XXXX/XXXX/XXXX, I received a letter from XXXX stating that I had a " projected Low Escrow Balance '' and that on XX/XX/XXXX, my escrow balance would fall below XXXX. As such, my automatic payment would be adjusted to withdraw an additional {$140.00} per month to make up for the projected shortfall of XXXX. After speaking to XXXX uninformed and sarcastic representatives on the phone, I was informed that this charge was for lender placed hazard insurance. One employee explained it was because the Insurance company had only credited Roundpoint half of the XXXX charge from XX/XX/XXXX. The second employee told me that I had provided a policy that began on XX/XX/XXXX, and so XXXX needed to purchase insurance ( purportedly in arrears ) for XX/XX/XXXX - XX/XX/XXXX. Neither of these employees could explain why my forced lender policy was approximately 10 times the cost of my condo associations hazard insurance.
National credit adjusters got this debt firat and then sold it to XXXX and then sold it to XXXX. all collectors violated fcra, fdcpa and tcpa along the way. ( SEE CALL LIST WITH XXXX PHONE NUMBERS CALLED OVER THE LAST 7 YEARS )
Capital One is reporting incorrect information to my credit report. They have not updated my report since XXXX XXXX, XXXX.
our landlord ( XXXX XXXX ) ended our lease XX/XX/2016 with notice To vacate by the end of the month. XXXX lease owed XXXX minus security deposit XXXX will waiting for the final bill they fill a eviction process for non payment of bill, this time, at the court even though we vacated as demanded earlier. the case was dismissed and received a final bill of {$900.00}. this amount was over estimated by more than {$220.00} court fee ( the maximum by law is 10 % of monthly rent ) {$150.00} wich was the promotion given to us for the first month of rent. we are two cosigner of the lease and tried over 1 year to correct the and pay. but the refuse to listen, knowing that it will cost us more than the amount they claimed to fill a law suit.
I graduated high school in 2012, and I was in search for a job. I found a summer job on XXXX before, and worked there for quite some time. ( XXXX XXXX XXXX XXXX ) I figured I could find another job in addition to my current job on XXXX again. I was contacted by a family on XXXX who had a child who was wheel-chair bound. I corresponded with the family for a few days in regards to employment as a nanny for the family. I was told that they were moving from another state, to the current state I am in. They needed help with the child while moving. The family told me they bought a new wheel chair for the child and needed it to be picked up and already home by the time they got in. The story the family told me made sense, and are the regular duties a family would ask a nanny. Once I received the check, which was sent over-night, I was instructed to cash it, then send the money to the child 's wheel chair makers for payment, and delivery of the chair. I had an account with PNC bank. I had a particular bank I would always go to. PNC Bank XXXX XXXX XXXX, Ga XXXX. Before I cashed the check, I went to PNC, and asked a teller I was familiar with about the check I received from the family. I told the teller the back story, and asked if he could determine if it was a fraud check or not. He instructed me that a determination of a fraudulent could not be made by looking at it. The only way I would know is if I placed the check in my account, and the money from the sender did not cover the amount on written on the check. 

I contacted by the family again with arrival dates and times. I figured it was legit because I we set up a meeting place, etc. I can not recall the exact amount the check was for, but it was less then 5,000. The next day I went back to the PNC to cash the check. The check cleared a few days later, and a few more days later I was contacted by PNC that my account was shut down because of fraudulent activity. I called and explained to PNC that I had no idea, and that I'm a nanny that was looking for a job. I was told by the fraud department that it was a man named XXXX XXXX. The check was written from a closed account. I was told I had to pay the money back that my account went negative for. I told them the money went to another account via XXXX XXXX XXXX. ( The wheel chair makers account ) I am now XXXX, and this still haunts me. I can not open a personal bank account due to a scammer. I was young and XXXX, but also a target, because the scammers constructed a plan based on my resume on XXXX.
An employee with   XXXX   XXXX   changed the last digit of my driver linsence. The check was from   XXXX   XXXX   in the amount of {$5000.00}. The last digit of my linsence is  XXXX  not  XXXX .   XXXX   XXXX   was able to get a packet to me. I 've mailed information out of the city, I have n't been a letter to receive mail. Until now, because there is a company name surrounding my name. I ca n't submit a change of address through The United States Postal Service. Due to theft of mail through the internet. It appears as though I 'm included in a group for the person/persons to get group discounts & senior citizens benefits. These are corrupt dangerous people. Please research the wage earner case number  XXXX . The courts shows I was  discharged   XXXX   XXXX .  XXXX  DBA   XXXX   XXXX   XXXX  was refinanced on  XXXX / XXXX / 2004 , while I was under   XXXX   XXXX  . The new loan is with  XXXX   XXXX .
I was charged overdraft fees for the amount of XXXX so far. When checking my balance online I had enough to make purchases. I paid a bill with the wrong bank card and it went to this account which should have been an overdraft but now I have XXXX overdraft fees. I was in the positive before this charge went through and prior to it going through other items were deducted from my balance. The bank switch these items around so that they would be able to charge the most overdrafts. I was told by an employee of the bank that that they pay the highest items XXXX then to the lowest which made me have these enormous fees. I think this is criminal and they would n't let me opt out of overdraft protection because its a business account. That is not true because I had a business account before and I was able to opt out. with this same bank.
I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect  until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.
This company calls from XXXX a.m. to XXXX p.m. constantly, both cell, my daughters cell, and my home numbers. They will not work with you and will not set up affordable payment arrangements. I informed them I am not and did not co sign for the student loan yet they insist I did. They will not work with my daughter who is having severe financial difficulties. She is willing to pay but they want her to pay more than she makes in a month. They told her they do n't care if she eats or not and they do not care that she has other bills, a baby at home, daycare expense, etc. We have tried to block the number but then they call from another number. There are many numbers associated with this company and it is impossible for us to block them all.
I have a private loan with navient and my federal loans are being serviced by them. My federal loans are income based but navient refused to work with me with my private loans. I told them that i am able to pay with a fair payment plan. the account manager threatening to send me to litigation if i dont pay right away, and demands for me to fax to navient 3 months of my banks account for them to work with me. I am tired of dealing with this company who belittle its consumers. I dont want to default on my loans, i want to be able to pay but also i want to have a roof and food for my child and for me. this company is fraudulent, and a bully, and students need to be protected from this abuse.
Inappropriate probably illegal handling of deposits via Capitalone App. 

Executive Summary, I proceeded to deposit a bank draft to my CapitalOne 360 Checking Acct, Deposit was successful as per their email communication instructing me to destroy the deposited check ( see Attached copy ), after 2 days the credited amount is debited, over the telephone they tell me " Bank refused payment ( of a bank check? ), they mail to me a copy of the check in their files ( see Attached ) that demonstrates a smear in the data transmission of the deposit via XXXX App, they request i resubmit deposit of the same check they instructed me to destroy ( again see Attached ), we continue over the course of 1 month through various escalations, to no avail - final position by a " XXXX '' that informs me they will not credit my checking acct. of the amount deposited for which they themselves sent me an email stating that the deposit was successful instructing me to destroy the check Bottom heavy infrastructure but " middle management '' as well in Customer Service with the arrogance of unchecked decisional power on one side. 
On the other inappropriate handling of deosited funds, amounts inappropriately withheld - for this I believe this body or FDIC should take action independently and above and beyond Capitalone communications with me Specifics : XX/XX/XXXX : deposit of check using latest version of Capitalone XXXX App XX/XX/XXXX : e-mail communication from Capitalone confirming deposit and instructing me to destroy draft ( see Attached ) XX/XX/XXXX : deposit reversed and deposited amount debited, no communication to client XX/XX/XXXX : first interaction with Customer Service, " XXXX '', I ask for copy of deposited bank check intheir files, which they send me by USPS ( see Attached ) XX/XX/XXXX : last interaction with Customer Service, " XXXX '', in which he informs me their decison will not be reversed, furnishing no rationale or explanation Again, above and beyond Capitalone interaction with me on this matter, as prompted by this complaint with your Office, I request this body to proceed with a formal assessment of CapitalOne actions in this matter, that amount to inappropriate appropriation of funds following problems with their software I thank you in advance for your interest in this matter Please do note that the 2 Attachments mentioned in the text above, in spite of being of accepted formats and sizes as per your instructions, do not upload to your site - do feel free to contact me as appropriate should you need any further info or the Attachements themselves - Capitalone obviously has them and i requested them to maintain these records Sincerely XXXX XXXX, XXXX, XXXX XXXX XXXX
It is regarding my claim number XXXX I lost my debit card snd PIN was stolen, three were two unauthorized charged on my checking account. I called in BofA and reported the incidents immediately. I also reported to the police. 

BofA denied my claim for unacceptable reasons, and they unfollowed and totally against the Federal Laws, which I have my right under the Fair Credit Billing Act and protected by the Consumer Credit Protection Act of 1968 too.
I've repeatedly asked them to stop calling. Someone tried to tell me I had to send it to them in writing but I explained that he keeps calling me while I'm at work. Today ( XX/XX/18 XXXX XXXX ) was the last straw when the called my work number. I've told them multiple times to stop calling me but they refused to and they keep harassing me.
Syndicated Office System dba Central Financial is refusing to supply us with a statement of money owed. They claim they are not attempting to collect this debt because it 's too old but yet they continue to report it the credit report companies. I am trying to secure a loan but have been told I have to pay the debt at closing to complete the process. Syndicated refuses to give me a statement showing who to pay, where to send it, my account # 's ( 3 ) and the total amount due. The bank requires it from them on their letterhead. I have never heard of such a thing. Their representative told me to dispute it with the credit reporting companies which takes 30 days. The bank is not going to wait 30 days. This company is truly putting a hardship on me. I believe this is very unethical on their part. Are they being spiteful because it 's to late to collect their money?
XXXX contacted my parents on XXXX/XXXX/2017 demanding that I pay my debt immediately. My parents contacted me and I contacted the agency. They demanded that I pay the debt owed by today XXXX/XXXX/2017 or they would be forwarding my case on to the county. The amount owed is {$280.00} and they are stating they can sue me for up to {$3000.00} including court cost and attorney fees. When I asked why I had n't been receiving any mail on this matter they stated they had been sending it. When i requested to what address they stated an old address for me and told me it was my fault that they did not have a current address. They are also accusing me of purposefully defrauding a financial institution. I have paid {$600.00} on this debt to date. They also claim that they are a mediation service, never stating directly that they are trying to collect a debt. They also claim to have recordings of all of our conversations but do not have a phone call monitoring disclosure.
This awful company has preyed on me for years and harassed and threatened me when I simply could not afford to make a payment. 
The income-based payments I make are still not affordable to me. These payments are only covering interest, which only keeps compounding, and the company refuses to let me apply payments on the particular loan I wish to pay. Thanks to Navient, Im stuck with a debt I will never ever be able to repay. 
Every day my XXXX and XXXX over this matter continue to grow and Ive considered XXXX   as the solution.
Loan application for the refinance of an investment property. It is a really long story that started on XXXX/XXXX/16 the day I spoke to loan officer from Everbank in XXXX FL. She can talk up a storm. We scheduled a meeting and prior to that meeting I sent her all the documents and then some that she requested. What she and processor XXXX XXXX said was a simple loan has turned into a nightmare. It 's a $ XXXX refinance loan on a property that appraised higher and have owned for 10 years. I have had to send and disclose everything with the exception of the size of XXXX I wear. Not only that they lose everything. Even documents you hand them personally. Its been 83 days since we started this process and we have not closed yet. We were supposed to close XXXX/XXXX/16/ That did not happen then we were supposed to close today XXXX/XXXX/16 of course did not happen. No one notifies you of anything. I find out the information because I contact the title company. for the love of XXXX. This is the most unprofessional banking institution I have ever dealt with.The mortgage branch manager XXXX XXXX laughed today when I called him and talked to him. I CALLED HIM. He tell me they close XXXX loans a month but he does n't get involved. No wonder it is a mess. There entire operation is a mess. It 's disgraceful and misleading. I feel bad for those young couples that want to buy their first home. This bank makes it almost impossible. I am just trying to refinance a existing home. Another supervisor XXXX XXXX also in XXXX XXXX. It 's unbelievable.
XXXX XXXX XXXX is calling me after I have requested that do not contact me via a letter i sent which the rep says they didnt receive which i know is false because they sent me a letter responding to the letter i sent verifying an account that they verified with insufficient proof via a statement which doesnt proof anything I want all contact ceased! and I want the account removed from my credit report! since it has not been properly verified.
Tried to save my house went to bankruptcy court and field. both times I went I asked the clerk should I come back they said no. it will be dismissed. Lost the house anyway but the bankruptcy stays on my report its killing me
Deed for my property XXXX XXXX XXXX, XXXX, VA XXXX ( property ID XXXX ) received on XX/XX/XXXX ( XXXX XXXX XXXX Equal Housing Lender NMLS ID XXXX Home Lending Officer-XXXX Virginia. XXXX, VA US effective XX/XX/XXXX. No escrow/financing is available for XXXX XXXX XXXX ). Deed for ownership of The Estate at XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX ( property ID XXXX ) Deed for price points earned with XXXX ( Product Development ) through XXXX. I have decided to use the third-party clearing agency, XXXX XXXX due to life insurance policies being used as collateral by XXXX XXXX XXXX. I would like to issue a lien for her estate in XXXX, VA until a payment is made. I would like to report an {$300.00} penalty for unauthorized use of deed. This document is for official business use only. I would like to associate the IRS link from XX/XX/XXXX with this document ( https : //www.irs.gov/businesses/small-businesses-self-employed/understanding-a-federal-tax-lien ). This link also traces to the First Quarter Income for XXXX dated XX/XX/XXXX in the amount of {$200.00} XXXX. My mortgage with XXXX XXXX has been overmodified. The reconciliations have been made. Please reference the IRS judgments issued on SEC report XXXX dated XX/XX/XXXX and the attached document of VHDA penalties for XXXX XXXX. I would like to adjust the judgments for XXXX XXXX, XXXX XXXX, and XXXX XXXX. All three parties will be responsible for a judgment in the amount of {$83000.00} that totals {$250000.00} for life securities fraud. Each party will be responsible for a yearly payment of {$2300.00} for the next three years. The payments are to be made monthly in the amount of {$190.00}. XXXX XXXX 's total judgment is a {$1.00} XXXX payment for the next three years. She is responsible for a yearly payment of {$500000.00} for the next two years. Payments are to be made monthly in the amount of {$41000.00}. XXXX XXXX is responsible for quarterly payments in the amount of {$560000.00} to XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX and XXXX XXXX ) until the {$3.00} XXXX balance is paid in full. All other judgments are as imposed. A quarterly audit will be imposed on XX/XX/XXXX.  There should be a discharge for all properties effective XX/XX/XXXX. There should be no lien on my properties. Insurance for all properties and entities are covered through XXXX XXXX. An amount of {$34000.00} should be left after closing costs that were computed and sent to the FDIC yesterday upon appraisal of my property XXXX XXXX XXXX, XXXX, VA XXXX.