WillisBack/dataset-financial-user-claim huggingface dataset:
I got a job offer on XXXX for a administrative XXXX at XXXX XXXX XXXX XXXX XXXX The original email was from XXXX XXXX & lt ; XXXXXXXXXXXX & gt ;. Telling me to have an online interview with XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX the company Hiring Manager for tomorrow Tuesday XXXX your time via Via XXXX. Meeting with him I was told information about the company and asked a bunch of interview questions. At the end of the interview I was hired and asked to sign a Cover letter and send in my ID via email or fax by XXXX XXXX XXXX XXXX the HR Manger. 
Email : XXXXXXXXXXXX Fax : XXXX XXXX XXXX XXXX I was to meet with XXXX at XXXX. When I did he told me that I would need office supplies and would be sending me a check for {$3100.00} dollars. After the check had arrived I was to deposit it into my bank account ( US bank XXXX the account is frozen now ) and wait for the funds to be in my bank account. The next day he wanted me to withdrawal the money and deposit it into a vendor account XXXX XXXX XXXX XXXX ). He then told me that the money would not be enough to cover the amount for the office supplies and he was sending another check for {$4900.00}. By the time this check came, the other check had bounced ( which I did not know that was what happened my bank said " Returned Item From A Previous Deposit ''. I thought somehow they had pulled the money from my account not that the check was bad ) and he said that there was something wrong with the first check and he was sending a check to reimburse me. I subtracted the amount of the first check from the second check and only moved {$1800.00} dollars into XXXX XXXX assistants account XXXX XXXX XXXX XXXX ) because for some reason XXXX was having trouble with that account. The reimbursement check came and I deposited that XXXX and the next day withdraw the {$4800.00} dollars and deposited it into a new account ( XXXX XXXX XXXX XXXX ). He was going to send XXXX more check for a scanner for {$9700.00}. I when to the bank and deposited this check but when I got home I saw that the XXXX check had bounced as well. I when to my bank and had my bank account frozen. Now I have reported this to the XXXX Police Department ( report number XXXX ) and give them copies of all the documentation I have of this crime. In all the scam took me for {$9700.00} dollars about not counting fees. 
My bank should have been able to spot a fake check and refuse to let me deposit it into my bank. That failing my bank should never have allowed me to withdrawal money before the check had cleared the bank. Also the bank should not have allowed me to withdraw enough money to make my account negative, without so much as a warning. In the end my bank did nothing until I came into the bank and had them freeze my account.
I submitted an income-driven repayment plan re-application through  XXXX v on   XXXX   XXXX   XXXX    . I heard nothing from them until   XXXX   XXXX   when they said my re-application was on hold. Then on   XXXX   XXXX   they said that could not process it, without giving a reason. Then on   XXXX   XXXX   they said my re-application expired.   This seems like they deliberately delayed processing until the last possible time, they failed to tell me what was happening and why they made the decisions they made, and they did so in such a way so that I had no time to do anything before my re-application expired.   These kind of communication tactics harm borrowers and seem to be a deliberate delaying tactic to confuse borrowers and deprive them of their rights of appeal.
Equifax failed to positively verify the accounts and has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed..CFPB remove the accounts listed XXXX XXXX XXXX XXXX, XXXX  ( ORIGINAL CREDITOR : XXXX  XXXX XXXX
I applied for an AMEX XXXX loan after receiving a preauthorization notification in the amount of {$5300.00}. 

I electronically signed the documents within the specified time frame, called their call center to confirm. I was told It would disburse within 72 hours. Now it 's showing cancelled, that I did n't sign the documents and that I need to apply again ( causing another inquiry on my credit report. ) Unacceptable and deceptive.
I reported this to the FTC and to the Police. This debt was a result of FRAUD and identity theft. This company continues to harass me.
There was an old account which was paid in full during the time I had services with XXXX XXXX XXXX that for some reason was purchased by several collection agencies over the course of 7 years and I am not responsible for these charges. I have contacted each collector yet no one has sent me any information concerning this account. The last payment I paid was in the amount of {$100.00} to terminate my services with XXXX XXXX. A representative at the XXXX XXXX XXXX office located in my community took my payment and the equipment when closing my account. Several months later I began disputing the charges which are on my credit report, yet, nothing has been resolved.
Dear Sir/Mam
In an ongoing investigation of my mortgage payments and escrow account with XXXX XXXX we have come across numerous attempts by this company to committ fraud and cause us injury by changing our mortgage payments and principal amount of the mortgage.Specifically, Loancare processes and withheld payments in suspense accounts that were for mortgage payments. Then when question and notified of this continue to manipulate the payments by changing the amount on the principal balance of the mortgage. Then they went back almost a year and change payments that were already made by myself to cover it up calling it misapplication reversals. They continue to cook their books and the process has been riddled with error all along. However, we kept copies and we attempted to communicate constantly with them questioning why they were doing this. Yet received numerous answers which did not correct the errors. I have recorded phone calls, I have print outs of the history of payments before and after they changed these payments around and the principal mortgage. This fraud needs to stop. They are taking advantage of veterans and the VA Loan system and it should be against the law. LoanCare has failed to conduct escrow analyses correctly and sent some me the borrower  escrow statement where the mortgage balance has increased instead of the principal balance decreasing. They have increased our monthly payment as a result of these errors as well. Today when I logged in to make my mortgage payment now says I am 30 days behind. We are not 30 days behind nor have we ever been. Our mortgage payment went from XXXX to $XXXX because of their escrow errors and now they note online we are 30 days behind. When will this stop and what will the charge us for a mortgage payment next. Just pick a number?? I will attach the before they cook the book mortgage history and what they changed it to after the claim they missplication reversal payments. Please investigate LoanCare. LoanCare is taking advantage of this VA Loan. I can't seem to get a straight answer from thier customer service. Today I was given two different amounts of payment due, its ridiculous. First I was told we owed  XXXX, then we were told we owed XXXX. We were so tired of the errors with the escrow we asked them to let us pay our own tax bills/homeowner insurance. They denied us the ability to do so. Then we asked for an analysis and things got worse.  We can't keep going like this it is to stressful. Please investigate this.  Please view the Payment history dated XX/XX/XXXX,XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXX. Pay close attention to the principal balances and the escrow paid and balances. There is something very wrong. Very soon I will be paying an accounting firm to review these documents as well and run a private analysis of all funds paid and escrow. Thank you for your time. 


XX/XX/XXXX Veteran
XX/XX/XXXX
I deposited a cashier 's check in Bank of America of amount XXXX. After 2 days of processing the amount was credited to me in the account. So I had to make a cash payment to the same person. But after giving the cash and after 5 days the bank says the check was fraud. 

If the check was fraud how can they credit the amount XXXX. The amount should be made available only when they have verified the check. I was under the impression that since the amount is cleared and credited in my account, the check is genuine. And after 5 days they verify it.
In XX/XX/XXXX, I received a letter of collection from XXXX XXXX XXXX. They claimed that I owed a little over {$110.00} to Paypal that was outstanding. This debt was attempted to being collected by XXXX. At this time, I checked my Paypal account and did not see any recent transactions matching the amount owed. Then, I wrote a letter to XXXX disputing the debt.

XXXX replied back on XX/XX/XXXX with a packet that stated the debt was valid. There were many details that were suspicious.

First, in the packet from XXXX, there was given a " Paypal Inc. Account Number '' which I did not recognize. In fact, Paypal says on their website that they do not give account numbers, rather accounts are identified by associated email addresses.

Second, there was given an " Account Creation Date '' that is very recent. I opened my Paypal account much earlier than that and I have statements recording purchases in XX/XX/XXXX.

Third, some of the listed information was unclear - monetary numbers that did not add up to or relate to the {$110.00} or actual amounts in my Paypal statements.

Due to the fact that I can not access the account and do not have statements that reflect the amount owed, I can come to only two conclusions. One, someone opened an account in my name with a bad credit card or bank account number. Or Two, XXXX XXXX XXXX. is a fraudulent organization.
I recently moved to XXXX and began the process of registering and titling my XXXX XXXX XXXX in the district. When I updated my information with Honda, they informed me that I would be responsible for paying the vehicle tax on my monthly lease payments ( 10 %, about {$30.00} a month ) However, I already paid tax on my vehicle in XXXX, which was capitalized on to my total lease cost when I purchased the vehicle ( about {$900.00}. ) XXXX provides for an exemption from excise tax for rented or leased vehicles ( # 7 under list of exemptions, which I will attach to this complaint ), as well as for vehicles moving to XXXX previously titled or registered in another state ( # 9 on list. ) I called Honda and spoke to a representative, who told me I could claim a refund from XXXX. After being unable to find that information and consulting with others who moved from XXXX  to XXXX, I called Honda back and requested they research it. The customer service representative told me I was unable to talk directly to the office that deals with tax amounts, but that she would relay my request. She called back the next week and told me that since XXXX does not provide reciprocity, I am basically out of luck.

Since I am covered on this list of XXXX exemptions, this is not correct. I am happy to pay the difference between the XXXX  and the XXXX  tax, or to receive a prorated refund of my XXXX tax, but I should not be responsible for continuing to pay sales and use tax in XXXX while my vehicle is titled, registered and garaged in XXXX.
On XX/XX/2018, I pulled my credit and noticed an account from XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$42.00}. I assume this came from a medical bill since the original creditor was XXXX XXXX. I paid the balance due over the phone and was promised, calls are recorded, that the account will be removed/deleted from my credit report sinceI paid in full. It's more than 30 days later, and the account has still not been deleted.
This was previously disputed and Transunion failed to address this to the CFPB in the last dispute.     I am signed up for Transunions credit monitoring for  XXXX  a month. As part of their package, you are allowed to " freeze '' your credit report. I however am not able to freeze my report. It tells me there is an error. I call customer service to be told that they can not even freeze my report and they will get a technical team to look into this. As a result, i have over  XXXX  inquiries on my report. If transunion can not stop the inquiries from coming in from unknown sources, then how am i supposed to? I PAY them for a service that they can not even provide. This is the  6th tim e I have asked for help on this. The inquiries are NOT AUTHORIZED and should be REMOVED ASAP. This is the last time i will attempt to dispute these inquiries. Next time I have to ask, i WILL hire an attorney. It is NOT my responsibility to make sure that Transunions credit freeze works it is theirs. Why should i penalized? I have tried so many times to freeze my report and they will not do it. I need a refund back of my  XXXX  for each month they have been unable to freeze it which would be about 7 months now.
I logged in directly at their website to dispute an account on the XX/XX/XXXX last month. The account in question is an XXXX credit card in which I am an AUTHORIZED USER. I requested them to remove that item from my credit file, I am not liable for repayment because, again, I am just an authorized user. But today, I reviewed the result of their investigation and they are saying that they " verified '' that this account belongs to me. How could that happen? They are essentially perjuring themselves for saying that because obviously the account is not mine. They are causing me stress and damaging my credit file. I want this deleted TODAY.
I attempted to purchase XXXX tickets on XXXX. The seller accepted my XXXX payment, then failed to send me the etickets, and blocked my phone number. 
He said his name was XXXX, his email is XXXX and his phone number is XXXX XXXX Transaction # XXXX A XXXX XXXX XXXX investigation determined that " one of  the access tokens is registered with Citibank ''
My name is  XXXX   XXXX  I have been a victim of identity theft. I have sent a my identity theft report along with a police report to the credit bureaus on  XXXX  2017 an d I have no problem with  XXXX  but transunion did not honor it. I know transnion is suppose to send a code and the creditor is suppose to agree to that code. These accounts federal loan servicing are all reporting from a fraudulent account in  XXXX  Ga. I stay in  XXXX  and have stayed there all my life. Transunion has my report and they have a police report and they are breaking federal law by not deleting the known fraudulent accounts not to mention they acknowledge the account is fraudulent and they acknowledge having my police report.
Although Wells Fargo is not attempting to collect the debt at this time, they are punishing me through incorrect credit bureau reporting, in violation of the Fair Credit Reporting Act. Wells Fargo continues to report vastly different information to each of the credit reporting agencies about a line-of-credit loan which was paid in full through Chapter XXXX, including the reporting of past-due amounts even during the final year of the Chapter XXXX repayment period! 

Although their reporting to XXXX is the most damaging of the XXXX, there are errors on all of the credit bureaus ' files. 

After disputing multiple times with the credit bureaus, only to have no updates done, I have sent Wells Fargo a letter asking them to please correct the inconsistencies and provide all three credit bureaus with the same information update, but they have not responded to my written complaint.
Good Afternoon- I unfortunately miscalculated my finances this month and have {$420.00} in overdraft fees. I called the bank and informed them that I understand that this was my fault but I have been a customer of Santander for  over eight years and  would they be able to waive the fees. They informed me that they could only remove  XXXX  of the fees leaving me with an overdraft fee of {$350.00}. As it is right now it is very difficult for me to make ends meet and the {$350.00} overdraft fee is not allowing me to catch up on my expenses. Is there a way to fix this?
On the reply of my previous complaint XXXX, American Express said they issued XXXX starpoints to my account on XXXX XXXX, XXXX. However, I didnt receive it. American Express simply treated the officers of CFPB as XXXX, and thought that they can just XXXX that they already gave me what I should get, but actually they didnt.
I had my home with XXXX MORTGAGE, I asked for a loan modification and was denied several times. Then they sold my loan to Green Planet. I asked for a loan modification, and they denied me for no legal reason. When I inquired about it they sold it to Planet lending. I asked for a loan modification from Planet Lending and they denied me a modification as well. My home is a M E R S account. THE FORECLOSURE PAPERS THEY TRIED TO FILE SAYS MERS AGAINST ME. M E R S HAVE NO LEGAL GROUND TO FORECLOSE BECAUSE THEY ARE NOT THE OWNER. Now Planet Lending filed a foreclosure. I am fed up with the wrong that was done to my family and myself. I am asking for help for the injustice. I asked for the recording of the sale and original contract and no one could send me anything
This is my original case number with your agency : XXXX. The case number is also listed on the Santander Settlement Agreement dated XX/XX/XXXX. 
The settlement agreement required me to pay $ XXXX/monthly starting XX/XX/XXXX and my last payment would be XX/XX/XXXX. 
I paid it monthly as agreed. When I called in XX/XX/XXXX a female Santander employee reminded me that XX/XX/XXXX would be my last month, and I would get my Certificate of Title then. 
I called today to pay it over the phone and asked to speak with the same employee from XX/XX/XXXX. " XXXX '' said he would handle it. He placed me on hold several times, and said he didn't know I had an agreement. Then he said, " Santander doesn't have a copy of the agreement, my bad ''. 
I can't believe I honored the agreement and when time came for my final payment, Santander is now saying they don't have an agreement with me. 
Sometimes I made my my monthly payment directly over the phone with a Santander representative, and the representative would remind me how many months I have left on our agreement. 
" XXXX '' wouldn't even let me pay today and get released per the terms of my agreement. XXXX 's exact words when he couldn't find the agreement " my bad ''. He said, he didn't even know they had one with me. 
I don't understand how a large corporation could say it's " their bad '' that they lost the agreement when time comes for me to get my title. 
I called to make the final payment and couldn't today. I will hold off on making the payment because I see now this is beyond deceptive loan practice.
While vacationing in Florida with my son, we were approached at XXXX XXXX but a representative of American Express named XXXX. He was trying to sign people up for Amex Blue Cash cards. I told him I used to have one and that I already had a Delta Gold Amex card. He said I was still eligible for all the offers that day, including Free Fast Pass, 0 % introductory APR and {$100.00} welcome bonus upon spending {$1000.00}. They even printed the card right then and there to use. They also printed the terms and conditions. Because I was walking into the theme park they even offered to shred the terms and conditions because it had my info on it. When I messaged Amex to find out when the credit was to be applied they told me I wasn't eligible. After waiting 9 wks for an " investigation '' I was told I should have read the terms AFTER getting my card and that there was nothing they could do. I am owed the {$100.00} statement credit. Their employee misrepresented the offer, most likely in an effort to receive his commission. Amex fraudulently represented themselves in order to obtain my business
XXXX XXXX company contacts me multiple times a day from random caller ID numbers. They start at XXXX XXXX and call until XXXX every two hours sometimes back to back. XX/XX/XXXX they contacted my mother who lives in Illinois and spoke to her regarding this loan. On XX/XX/XXXX they called another family member in XXXX XXXX, Ca regarding the loan. In both instances I was called by family members regarding the loan. I contacted them via email to state I would like to settle the debt. This is my private business and I do not want my family members involved. As now I am humiliated.
Falsely reporting to XXXX, and XXXX debt opened XXXX XXXX, 2014. This is not accurate. Please provide copy of written agreement that created this alleged original requirement to pay. I demand this debt collector stop all debt collection and stop falsely reporting to credit bureaus.
Called my son-in-law earlier today, and also my daughter later this afternoon and stated that if I did not call by XXXX a warrant would be issued XXXX. He knew the last XXXX digits of my social, and my birthdate, which he shared with those that he called. Stated he was a private investigator. Reverse phone look-up indicates Empire XXXX.
XX/XX/XXXX I purchased a vehicle from XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, TX. The cash price of the car was {$17000.00}. I put {$200.00} down. The dealer convinced me I needed debt cancellation for an additional {$790.00}. I was also sold a preferred protection plan for 72mos or 70k miles for an additional {$2800.00}. Total financed at 12.54 % interest was {$21000.00}. my monthy payment is {$420.00}.
1 ) Dealer overcharged on price of car and products.
2 ) Single divorced parent of XXXX children with no knowledge of auto sales, taken advantage of by dealer and lender.
3 ) Ally Financial paperwork requesting extension and deferral of two payments to make loan current was approved on XX/XX/XXXX. Approval and proof of transmission of paperwork in hand.
4 ) Ally Financial in process of repossessing vehicle.
Today, XXXX XXXX, 2017, I became aware of the fact that Citibank N/A has been contacting my employer about a debt that is owed to them. This contact has occurred despite the fact that a valid phone number is on file with the company and that I have tried to settle the debt ( which I described in a previous CFPB complaint ). Citibank N/A is attempting to retaliate against me by contacting my employer, so as to interfere with my business relationship with a third-party, in violation of federal laws such as the Fair Debt Collection Act. Please contact Citibank N/A, immediately, make them cease and desist. There is no reason for Citibank N/A to contact my employer and I have contacted an attorney, so as to hold the firm responsible for their abusive debt collection practices.
I called Barkley Witt and assoc.on the XXXX initial contact and the collection rep did not disclose the attempt to collect a debit and I called again to get a break down on what was owed and the rep was very rude and hung up in my face before I could give home the reason on my call, I called again and he gave me my balance and did not disclose again.
THEIR ARE XXXX FRAUD CREDIT CARD COMPANIES. IN XXXX 2014 THEY STOLE ID REQUESTING XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. THEY WANTED IT MAILED TO THEIR OFFICE CAPITAL ONE BANK NA XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX THEY STILL HAVE ON ALL THREE CREDIT REPORTS. 
CAPITAL ONE XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ACCOUNT : XXXX XXXX THEY IN XXXX AND XXXX XXXX ARE KNOW AS SCAM
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.