WillisBack/dataset-financial-user-claim huggingface dataset:
Hello! 

An employee of XXXX, XXXX XXXX XXXX, XXXX fraudulently charging my debit card for his insurance plus he tried to spend XXXX at XXXX online when my bank called and shut down my card because of abnormal activity on XXXX XXXX, XXXX. An employee of XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, called me from a different number ( his cell phone ) at XXXX pm to tell me my card number was invalid. I then explained to him that yes it is because I had some fraudulent charges on it. He seemed sympathetic etc and I told him that I would be getting a new card and would call him with that information. I called his office the next day, because I thought it was odd that he was calling me at XXXX and asked to speak to a supervisor. The man that answered the phone said he no longer works there. XXXX called me the next day while I was on a lunch break to ask if I had received a new card. I said Im a little confused because originally you told me that XXXX, XXXX XXXX XXXX does not accept debit cards and if you dont accept them why would you need it? He said because it would be a backup in case I didnt pay. I then informed him that I called the office and they said he no longer worked there. He denied it and asked who said that? I told him I didnt catch his name. I told him to call me back around XXXX and I would get the card and give him the number. He never called and Im assuming he knew that I knew it was him that did the fraudulent charges. I called XXXX, XXXX XXXX XXXX because I never got a call back, and asked to speak to a supervisor. The lady said she could help so I told her the story. She said you need more than a supervisor and placed me on hold. I spoke with XXXX XXXX, XXXX XXXX and told him my story again. He said XXXX no longer works there and that the XXXX had done this to another lady and she was filing a police report and that they, XXXX, XXXX XXXX XXXX, were filing something also. He asked me to fax him a copy of the police report when I got it. 

XXXX, XXXX XXXX XXXX XXXX. took me to court over an old credit card debt. The credit limit was XXXX or XXXX} and now is XXXX that XXXX XXXX XXXX XXXX bought from Main Street Acquisition Corp. I asked if they would drop the interest off and I was told that he would fight it and so I agreed to pay XXXX a month. I would think that XXXX, XXXX XXXX XXXX would have some type of responsibility for their employees. I have written an email to XXXX XXXX on XXXX XXXX, XXXX and as of today XXXX XXXX, XXXX I never received a response to that email. I did receive a letter dated XXXX XXXX, XXXX saying they have n't received my payment. I do not think that I should owe anything on this debt after an employee of their company wrongfully used my debit card. That person would have never had my debit card number if he was not a collector on an account of XXXX, XXXX XXXX XXXX. They have some liability for this/his action.
I filed a complaint and dispute with transunion and when I called because score had not adequately changed and online report showed derogatory items but could not see what they were and could not get a copy of my report without having to pay for it ( last one was XXXX 2014 ) and when I called them the person who answered could barely speak XXXX and was hard to understand and when I asked for a supervisor I was directed to another person who was no better than the first person. My wife tried to talk to them and they refused to talk to her and hung up and dispute has never been resolved.
no data for XXXX thru XXXXWhat happen between XXXX and XXXX
I received a pre-qualification letter stating my interest rate would be 4.99 %. I applied online with the pre-qualification code and received an email saying I was approved. No where in the email did it say that I was n't approved for the pre-qualification rate. I received an email to call in to confirm some details. Only at that point was I told the rate was different then then the pre-qualification and after I was told I was approved.
I received a copy of my credit reports and see that Capital One is reporting that {$470.00} and {$420.00} is owed to them. After multiple attempts to get debt validation, I have not received a response from Capital One. I asked for them to validate the following : 1. What was the account number.? 2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 3. Please provide me documentation that indicates that I agreed to pay them this sum of money. 4. What was the original date of delinquency for this account? I required compliance with the terms and conditions of my letter within 30 days of their receipt or a complete removal from my credit reports.
Around the middle of XXXX XXXX 2015 XXXX, I missed placed my debit card and I, unfortunately, bank with Bank of America so I could not make any transactions, because my account was a paperless account. I was charged around {$21.00} dollars for my gym membership which left my account with $ XXXX dollars. Before I was notified my account was over drawn, Bank of America charged me an overdraft fee of {$35.00} dollars on top of my $ XXXX dollars. Which left my account at $ XXXX dollars. I called as soon as I found out about my XXXX overdraft fee, they told me there was nothing they could do for me except send me a new card and that was fine, the day after i called Bank of America decided to charge me another fee of {$35.00} even though they knew there was nothing i could do until i got my new card. After a few calls i paid {$86.00} dollars that i owed and decided to let it go. On the XXXX of XXXX XXXX 2015 ) i was charged {$46.00} dollars by my gym and XXXX again another {$35.00} dollars on the same day XXXX XXXX XXXX ) with no warning or time to deposit money in my bank account. This is the prime example of legal money laundering. I am a student who works seven days a week, lately, only to pay all my debts to bank of america. This whole situation resulted in me paying {$160.00} of my hard earned money to this fraudulent bank. I am hoping to take action to prevent this from happening to someone else.
To Whom It May Concern, I am filing this complaint against ClearSpring Loan Services because they are alleging they are the servicer of a second mortgage loan I took out in XXXX with XXXX Bank, NA and was charged off in XXXX. For over seven years I heard nothing about this second mortgage because I was informed it was charged off. Clearspring Loan Services just came out of the blue and are trying to foreclose on my property on a deed of trust that has been extinguished. Not only has the deed of trust been extinguished by way of a charge off, on XXXX XXXX, XXXX I mailed them a letter of rescission. Upon learning that my rescission rights were still available under this loan due to the fact that my loan was never consummated because my true lender or the true source of funds were never revealed to me, I mailed Clearspring a letter of rescission. Under the Federal Truth In Lending Act, the deed of trust and promissory note are canceled, made null and void by operation of law. If Clearspring wanted to challenge my letter of rescission they should have filed a declaratory judgment against me within 20 days of receipt of the letter of rescission. Clearspring received my letter of rescission on XXXX XXXX, XXXX. Clearspring and/or the actual creditor this loan did not file a lawsuit against me. Furthermore, Clearspring have not taken any of the mandatory actions required under the Federal Truth In Lending Act. Instead of taking steps to provide me a release or reconveyance of the deed of trust, they are continuing their actions to try and foreclose on my property. The next scheduled foreclosure date is set for Tuesday, XXXX XXXX, XXXX. Clearspring is not only violating the Federal Truth In Lending Act, they are also violating the Rosenthal Act which is California Civil Code section XXXX. They are violating this Act by threatening to take actions not permitted by law, which includes attempting to foreclose on a void security interest, falsely stating the amount of a debt owed, and increasing the amount of a debt by including amounts that are not permitted by law or contract, and using unfair and unconscionable means in an attempt to collect a debt. I believe it was necessary for me to file this complaint because it appears Clearspring believes it can violate these laws without any consequences of their actions. I am seeking the assistance of the Consumer Financial Bureau to assist me in forcing Clearspring to abide by the law. 

Thank you, XXXX XXXX
A fraudulent transaction was made on XX/XX/XXXX with a posting date of XX/XX/XXXX, XXXX to XXXX. I spoke with a rep with XXXX, a XXXX, he said order was shipped to a XXXX XXXX in XXXX, TX. This information was provided to bank rep whom took the fraud report, reported card as lost/stolen. This transaction is typical of fraud as item was shipped to different address than billing. I believe I have a new account number but have not received a new card as of yet, this happened previously, a new card was not sent out after reported lost. I had to make additional calls in before new card was sent out. The transaction needs to be disputed as well
When I was based in XXXX XXXX, as a XXXX the agency that prepared my taxes did them wrong. They filed me as XXXX State resident when they were supposed to file me as a XXXX State resident because I was a resident of XXXX, under United State military XXXX status based in XXXX. As a result of the eras that were made on my state taxes it looked like I owed the state of XXXX {$2400.00} in taxes, penalties, interest, and collection fees. I did the necessary paperwork to fix the issues and got the state tax lien released XX/XX/2012 while I was still in the United States XXXX. The problem I 'm having is the lien is still showing up on my credit reports which is very damaging to my credit scores. I am now a United States XXXX XXXX veteran father with a family of XXXX trying to buy my first home. Could you please help me by removing the lien from my credit report or let me know what I need to do to have it done. I have a copy of the lien release if it is needed.
To whom it may concern : I have three collection accounts on each of my credit bureaus from a collection agency named Commonwealth Financial Systems the accounts are as follows : XXXX, XXXX  and XXXX  : 1.  Commonwealth Financial Date Assigned : XX/XX/2017 2.Commonwealth Finacial Date Assigned : XX/XX/2017 3.Commonwealth Financial Date Assigned : XX/XX/2017 Please be advised that I am disputing these collections due the fact that ; Commonwealth Financial Systems XXXX XXXX XXXX XXXX XXXX, PA XXXX Does not currently have a valid license in Florida to collect on debts. This information is stating that their license is currently Revoked/Voided according to Florida Office of Financial Regulations XXXX XXXX XXXX XXXX XXXX, FL XXXX I am requesting that you investigate this matter and delete these accounts from all three of my major credit bureaus as per request to remove the above items from my credit report immediately or provide me with physical proof that Commonwealth Financial System are licensed to collect debts in Florida. 
Your immediate response will be greatly appreciated.
I disputed this directly before, not thru CFPB. 
I attached my Equifax report from XXXX XXXX and then XXXX XXXX I also attached the XXXX case again regarding reporting status. 
Equifax " reverified '' the XXXX account, that 's fine, all they did was drop some of the reporting history from XXXX. Under XXXX, you ca n't report information during my Chapter XXXX even " status '' 1- Date of first delinquency XXXX, what do you think? does it match reported payment history? - all XXXX 's leading up to that date, maybe they are n't sure what XXXX '' means on their report? 
2- Date of last payment- again ca n't be during the Chapter XXXX XXXX Date closed- again ca n't be during the Chapter XXXX. 
Case Law and FCRA, seem like they have simple rules to follow, but then who really does that anymore? 
The XXXX XXXX account is simply the " status '', It is not a " charge off '' they sent me a settlement letter and I sent them a check. To be accurate, it would say 'settled for less than full balance. The current status indicates to anyone reviewing my credit report, that I simply ignored XXXX XXXX, when I found work again, I paid them what they asked.
I have a USAA XXXX account that has been setup to auto pay the balance due in full for many years. They always take whatever amount they want when they want it. I have zero control over this process after it is setup. They take whatever this amount is in a reliable fashion. However, on at least two occasions in the past 6 months, and possibly more, they have charged me " interest on purchases '' - which as the balance should be XXXX at the time should also be XXXX. I have complained and after multiple attempts it was corrected the first time. I have complained again but since millions and millions of customers could also be affected I have told them to look for customers like me in their system and credit all of us the money we are due this time around.
I had a mortgage with Bank Of America, and owned my home for 23 years.I was never late just one day in 2013 i ask the bank about a refi to help lower my payment, They told me about there hemp program so we went threw the process and they lowered my payment and everything was all set they told me several times. for over a year or more i payed them and was again never late then after the 13 or 14th payment they refused taking anymore payment and fought with me and said i never payed them. I had all copys of the cashed checks to them and they put down on my credit i never payed. So then i hired a lawyer to help with this a to make a very long story short the judge denied me a trial and never gave me the time of day so they took my home and i cant appel it because iv spent so much money fighting this and the XXXX federal judge at te end said " check Mate '' what ever that means. This is mind blowing and unfair. I even ask our attorney general for help and XXXX XXXX and still no one will et back to me. Can someone please contact me and help with this. 
XXXX
On or about X/XX/2017 I submitted a dispute on a student loan incorrectly reporting to my credit file. The following account was claimed by the credit reporting agencies to have been investigated when all indications say it was not. In the recent past if I disputed an item that company contacted me about the dispute. I have asked the company directly to give me an account status with no response. In a phone contact, I asked if there were contacts from the credit reporting agencies, the answer was negative. I feel that because the business of the credit reporting agencies is to report bad credit they do everything possible to maintain it even when it is unverifiable and incorrectly reporting. Multiple requests for the Method of Verification went unanswered. 

XXXX XXXX Please remove this file from my report.
XXXX XXXX XXXX XXXX ( XXXX ) is in violation of the New York State Real Property Actions and Proceedings Law ( RPAPL ) 1921 and New York Real Property Law ( RPL ) 275.  These laws require a mortgagee ( XXXX ) to execute a satisfaction of mortgage and arrange to have the satisfaction recorded within 30 days. Failure of the mortgagee to do so entitles the borrower to a penalty based on when the satisfaction was recorded. The amounts are {$500.00} for satisfactions not recorded within 30 days, {$1000.00} for satisfactions not recorded within 60 days, and {$1500.00} for satisfactions not recorded within 90 days. XXXX has negligently failed to execute a satisfaction/discharge of mortgage and have the satisfaction/discharge recorded on the following mortgages which are now erroneously recorded in the XXXX XXXX XXXX XXXX in XXXX XXXX, New York : XXXX, XXXX and XXXX ( see attached listing ). In a letter dated XX/XX/XXXX, XXXX states, The loan was sold and transferred to SPS effective XX/XX/XXXX. SPS states in a letter dated XX/XX/XXXX, XXXX XXXX XXXX XXXX is the Noteholder of the account, and SPS is the mortgage servicer. If the loan was sold, as XXXX states and SPS confirms, XXXX is no longer the Noteholder and has no legal security interest in the mortgages and therefore, should have executed a satisfaction/discharge of mortgage for each mortgage they previously and erroneously recorded in XXXX, XXXX and XXXX. If the erroneous mortgages were transferred/assigned to SPS, as XXXX also states, I have yet to be provided an actual copy ; although previously requested, which legitimizes such transfer/assignment, including a copy of the actual proper and legal endorsements by XXXX to SPS, or whomever they allegedly sold and transferred the mortgages to. Not a prefabricated form letter that states the mortgage has been sold/assigned/transferred, without any accompanying documented evidence, which serves to prove which party owns the alleged debt and therefore may bring a foreclosure action. In addition, to date, there has been no proper written format of a document and recordation of such document, which provides notice to the public of an effectuated assignment. I am entitled to such copies and verification, if it exists. The negligent actions of both XXXX and SPS remain unconscionable during the ordinary course of business, which leads to further harm to the consumer. It is now going on six months since XXXX has sold and transferred the aforementioned mortgages without adhering to established law.
On XX/XX/2015 Chase raised my interest rate on a RATED LOCK that I had had for a long time. I was not notified about this by mail or phone. I would have NOT noticed it except that my interest seemed higher even though I was making large payment reductions. I was told last week by Chase that I had phoned in a request to UNLOCK my rate. I did not phone in and request that they UNLOCK my rate so Chase could charge me more interest.
Company is claiming to own a bill I do not owe. I am requesting they show validation and verification they do own such debt and provide all subsequent proof. Company was mailed dispute letters along with FTC and XXXX.
BMW Financial Services reported a late payment to the credit bureau after they received my payment on time. They received my payment on XX/XX/2016, and falsely did not process it until next day. As a result, a late payment was reported to the credit bureau.
XXXX reported a late payment which is negatively affecting my credit score.

This was one a rarely used credit card with electronic billing and was used in error. Once informed of the late payment, it was paid within 6 hours.

With over 25 years of credit history, my report has always been at the highest level and covers $ 100s of thousands of issued credit. 

The charge was for {$270.00}. 

I asked the bank to re-consider the credit reporting as the lengthy impact to my credit is not commensurate with the level of infraction. 

My request is that the late payment is pulled from the credit agencies. 

Thank you.
XXXX I attempted to purchase {$170.00} worth of materials from XXXX in XXXX, TN using my business check issued by the XXXX XXXX XXXX XXXX XXXX. The check was declined by Certegy Check Services. I called Certegy Check Services from XXXX and was asked if I wanted to be placed on their VIP List. The Certegy rep said this may or may not allow the check to be accepted. I said yes. He said wait 10 minutes and try to run the check through again. I did twice ; the check was declined XXXX times. I requested a copy of the declination from Certegy Check Services. It indicates that Certegy already approved XXXX previous checks from my business checking account totaling {$600.00}. Yet Certegy declined my check for {$170.00}. They only stated that my check " matched a high-risk pattern, our automated system provided a less than favorable recommendation. '' The XXXX XXXX XXXX XXXX XXXX is a valid institution. My business is licensed by the State of Tennessee. There were ample funds in my business checking account to cover the amount of purchase from XXXX ( {$170.00} ). Even Certegy 's records indicated that they had previously approved XXXX checks from my business totaling {$600.00}. How can another check from my business be considered high risk by Certegy 's automated system? 
Bottom line. Certegy Check Services has apparently not straightened out their act as a result of the XX/XX/XXXX FTC lawsuit file against Certegy Check Services.
Could you Please send me any credit application with my Signature attached to any credit application that i agreed to pay this Debt also any Type of Medical release forms that i supposedly gave Medical release to information this is consider to be a Hippa Vilation of patient Condifentiality.. If this info is not enclosed I will reach out to an lawyer for a possible lawsuit!
When I started paying my student loan payments 8 years ago after   XXXX   school, I asked them repeatedly about the   XXXX   loan forgiveness program. I knew that I worked at a   XXXX   XXXX   XXXX   XXXX   and that after 10 years, my loans could be forgiven. Ive spoken to someone a t Navient every year since then, multiple times. It was n't until this year that someone notified me that I had to be on an Income Ba sed repayment plan for this to occur. So, despite the fact that I had asked them about the best way to set myself up for this loan forgiveness program, no one ever told me it had to be income based repayment plans. So now, I have to start all over in repaying 10 years of payments. It seems crooked and shady and my loans are not even going down. It feels like they just ripped me off to get more money.
XXXX    XXXX   XXXX  is reporting a balance on my credit reports when the debt is paid.
I had a XXXX XXXX card on which I had accumulated XXXX in credits for a new car. While living XXXX, they blocked my access to online payment. I tried to pay but they quickly cancelled the account and that gave them the opportunity to cancel my credits also. Since then, they turned it over to a collection agency. I made a deal with the agency to settle the account and sent them a check, which they cashed. They then apparently sold the account to another agency, which is bothering me for this money, and they did n't report the account as closed to the credit agencies.
I 've disputed this FRAUDULENT information several times, only for this company to continuously apply " paid '' debts to my credit reports.. Although, I have n't paid them anything because I do n't have any idea who they are?!! XXXX XXXX has applied tons of paid debts to all of my reports resulting in bad hits on my scores. This company needs to be shut down & I will be suing. You should first validate a debt, identify if you have the right consumer & then apply debts, but definitely not apply bogus debt reporting to anyone 's credit.
On  X/XX/2017    a complete Loss mitigation package was submitted to the lender - On  XX/XX/2017    the package was denied review due to a sale date being 9 days away. The loan modification package was then sent to the lender again on  X/X/17    - The sale date was postponed until  X/X/17    - again on  X/XX/17    we were advised the package was not received so it was refaxed again for review - We feel that the lender is still refusing to review this clients file and docs being submitted since they were received initially on  X/X/17    and denied due to a sale date - the lender has failed to evaluate this borrower for all loss mitigation options available in violation of Regulatio n X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i  ).
Grand larceny fraud has happened on my checking account in the amount of {$3500.00} and the bank refused to give me provisional credit and is requesting I wait up until 90 days to see my money. A fraud check was cashed and posted to my checking account.