WillisBack/dataset-financial-user-claim huggingface dataset:
I had applied on line for a small personal loan. The amount was {$5000.00} I was approved and was sent a bank cashiers check from XXXX XXXX for {$4800.00} I dont know why it was not for the full amount of {$5000.00}, but I thought maybe it was for fees involved. 
I went to my bank Bank of America to deposit it, on XX/XX/2018 I showed it to the teller and asked her if it looked ok, and she said yes it looks good. 
So I deposited the check. 
The check did not clear, they told me it was a fake check and they closed both my accounts I had with them. 
First of all I have been in business for myself for 41 years. I take extreme pride in my work and I have always done the right thing. 
Second why would i deposit a check I know is fake, I mean come on really. 
Like I said I always do the right thing and am highly insulted that they think I would deposit such a check. 
Over the years I have for business purposes received small loans and merchant loans. 
I dont understand the motive behind the fake check they did not charge me anything so I don't get it why they would send me a fake check. 
I called Bank of America and spoke to someone about the situation and explained the whole situation that obviously I did not realize it was a fake check and if I thought was fake I wouldn't even attempt to deposit it. But Again I showed it to the teller initiation was fine. 
The woman I spoke to was very rude to me and treating me like a criminal, it was very upsetting I didn't get her name really wish I did. 
She told me I could never open another account at Bank of America and I will be on XXXX  for the next five years I find this to be totally unprofessional and not fair, I am an honest hard-working businessman and to be treated like this wrong and its effecting my business and lively hood. Being on XXXX will affect me financially because being self-employed I use my bank accounts for Business. 
I would like my 2 bank accounts reinstated and be off XXXX Thanks
I sent in a request for my free annual credit reports. i selected all XXXX reporting agencies to respond. as of today, XXXX XXXX, 2015, i have received only the XXXX report, dated XXXX XXXX, 2015 and the XXXX report, dated XXXX XXXX, 2015, but i have not received the EQUIFAX REPORT. 
EQUIFAX HAS NOT SENT MY FREE ANNUAL CREDIT REPORT THAT I REQUESTED IN EARLY XXXX 2015. THEY HAVE NOT RESPONDED FOR XXXX YEARS NOW. I HAVE HAD TO REQUEST THE INFORMATION MORE THAN ONCE FOR XXXX YEARS. PLEASE HAVE THEM RESPOND TO MY REQUEST AND ALSO PLEASE FIND OUT WHY THEY IGNORE THE FREE REQUESTS. THANK YOU.
Sometime ago, long enough that I ca n't remember, I had signed up for an online subscription to "   XXXX   XXXX   '' magazine, not so much that I felt it was worth the money but more as a donation to support their efforts to present an alternative channel to mainstream media. I believe, the amount I paid was something like {$9.00} for a six month subscription. After a few weeks and reading some of their work, I decided not to renew my subscription after it was to expire a few months later and I cancelled it online. Even though I cancelled, I noticed that they kept sending me emails as if I was still subscribed. I responded indicating that I wish to cancel and they should stop this insensitive harassment. Then I received a paper mail at my home asking for money to renew the subscription. I replied in kind, with paper mail, that I wish to cancel my subscription and I did everything they made available to do so already. They should cancel and leave me alone. Now after many months, perhaps a few years, I get a letter from the  North Shore Agency c ollection service to pay them {$39.00} to settle payments to   XXXX   XXXX  . Given the long delay between my settlement of the issue with The Nation, I am now suspecting either   XXXX   XXXX   sold my personal address information to an unscrupulous " collection '' agency or they have developed their own means of intercepting such data and harassing consumers with modest amounts of payments hoping at least part of them will just pay rather than challenging their fraudulent attempts.
I previously disputed this Bankruptcy on my account a while ago and it was removed and now I see it is on my account again.
I have been disputing one item on my credit report since XX/XX/2017 with no success. I paid a account in full on XX/XX/2017. Since then i have mailed proof and uploaded proof of payment to experian. I have also contacted the creditor XXXX ( XXXX, IL ) three times this month and the creditor told me it take two months to have this information updated with experian. Experian already has all the information needed to update my file but they keep sending disputes to the creditor which they come back stating verified no change in balance. This is not true and i would like for experian to update my file according to the proof i have submitted.
On  XXXX / XXXX /  XXXX   around  XXXX  i went to the Chase in branch ATM to withdraw {$2500.00} from my checking account to purchase my daughter 's first vehicle. I selected the money to be dispensed as {$1800.00} is {$100.00} bills and the rest in {$20.00} 's, {$10.00} 's & {$5.00} 's. The ATM dispenser opened with a large stack of money. I grabbed half of the bills and when I reached to get the other half the dispenser closed. I received a receipt stating " We could n't dispense your cash. There were technical difficulties, and your transaction was not completed successfully. '' I spoke with a Chase branch staff who advised all ATM 's are separate entities from the branch and unneeded to file a claim with Customer Service. I have filed and appeal the claim twice. Chase claim they have proof the ATM I used is not over {$700.00} in cash and they can not refund me the money. At the time of the initial claim I received a temporary {$700.00} credit while the claim was processed. The claim was denied as invalid and the {$700.00} credit has been reversed from my account which caused  two additional {$34.00} NSF fees in my account as the account went on negative balance for the credit reversal. I insisted and persisted on the phone with Chase  and the refuse to escalate the matter to review or investigation.
Chex Systems is not complying with federal laws in regards to its records of me in its databases and what it reports I placed a consumer freeze on my credit file before and like magic it disappeared so today i placed one again. I check my XXXX credit report and they are letting their agency subscribers defame my name and character of debts that were charged off by which creditors have been paid for by writing them off as a loss on their business income taxes. The debts are now being reports XXXX times as if i owe the amounts XXXX times since 1998. by the fair debt collections practices act these items should have been purged and deleted outside of statutory limitations. These items under federal law should not be on my credit report by which they are and now i have submitted them to my attorney to pursue actions against them for trying to report them on my credit reports.
Hello, I had inquired about HARP a while ago. When I found out that it would not benefit me, all of the companies stopped calling but this number continues to call me, XXXX XXXX XXXX XXXX. I am not sure but I believe the company is XXXX XXXX in XXXX, NJ. They left me a voice mail today which included, '' XXXX XXXX XXXX ... I am going to keep calling. '' Please stop them. 

Thanks.
On XX/XX/2018 I noticed that an auto draft for my mortgage payment with XXXX XXXX  had still went through on my checking account even though I had taken it off auto draft and made other arrangements to make my mortgage payment. I contacted Suntrust and they applied a stop payment and reversed the fees. However, on XX/XX/XXXX, I noticed that the charge had returned. This caused my account to go into overdraft and for me to not just have no money left in my account, but also to incur multiple overdraft fees. I was told I had to speak with employees at a branch and received virtually no help from them. By XX/XX/XXXX, I was told by the branch manager of the XXXX XXXX branch that Suntrust would rectify the problem in 10 days and until that time I will not have access to any of my money. This would include not being able to have any money through the XXXX and XXXX XXXX 's holidays. The branch manager I spoke with was extremely indignant, unprofessional, and didn't seem to have the slightest understanding of how to do her job. As of this writing, I have had to get a cash advance just to be able to pay my power bill. Suntrust has admitted several times it is their mistake and apologized. However, apologies don't put gas in my car, food on the table, or make sure my lights stay on. When it comes to actually being able to help me in some way ... ..Suntrust just doesn't care.
I am very alarmed that a fraudulent charge has been allowed on my Capital One card despite following their procedure to deny the unauthorized charge. A merchant that I ordered from charged me for an item that I had removed from my cart, and I learned of the mistake by receiving a text from Capital One that says " Hi it 's Capital One. Did you just spend {$380.00} at XXXX ...? Text CONFIRM if yes or DENY if no. '' I researched the transaction and asked the merchant to cancel. When they would not cancel, I wrote DENY. I then followed procedures to call and confirm correct pending transactions and ensure this charge did not process. During the call I was first told that I had to wait 5 days to dispute the charge, to which I replied that the merchant would have shipped the item by then and I 'd be forced to go through their return process and pay return shipping for an item I am reporting as unauthorized. I spoke with a supervisor, and this is where I realized I needed to report a complaint. The supervisor tried to hang up on me several times because I found this same answer unacceptable. She was incredibly rude, had no patience for my frustration, which is founded, and also would not allow me to record the call. When I asked if I could record the call, she said, " No you may not, good day. '' And hung up on me. I felt this was not only poor customer service, but irresponsible handling of a customer 's report of an unauthorized transaction. At this point both the merchant and Capital One are making pay for a fraudulent charge. This makes me apprehensive about my liability under such circumstances. The person I formally wish to file this complaint against is XXXX at Capital One, Employee ID XXXX.
On XX/XX/XXXX after putting my complaint referring to this account, which in different occasion, expressed that did not belong to me, Pinnacle Credit Service LLC sent me a correspondence signed by an executive named XXXX XXXX ( complience division ) Which determinated that after an internal investigation, had decided to removed it from their systems whithout basis or livelihoods to keep it in my reports, according to clearly stated the letter, he asked the XXXX major bureaus remove the same, today XX/XX/XXXX, checking my information at XXXX I find the account again in question, which appears paid off completely, never made any payment since they do not recognize this debt as mine, I made the correct procedures under my rights validation according to the FDCPA 15 USC 1692 Sec 809, whithout ever receiving a response from the company, is illegal under FCRA force report unverifiable and inaccurate consumer data, if determinated to give it as paid, it was an action itself Pinnacle Credit Service LLC as I said not paid off this I note that is not mine, remove this information inmediately from my credit reports, first case with CFPB XXXX
Fair Debt Collection Practices Act, 15 USC 1692 ( e ), violation. On XXXX XXXX, 2015 my spouse received a call from an unknown number. There was no message left. She then, received a text that said, " Hey girl, how are you? '' This content of this text leads my spouse to believe it 's from someone she has a personal relationship with ( a friend/acquaintance ). Since she was in a meeting she was unable to answer the phone but did respond to the text asking who the caller was. She receive no response and then sent another text asking the caller to call back and leave a message or to respond back with who it is. She received a response back asking her to just call when she was out. My spouse called the number after she got out of her meeting and it was a representative with First Heritage Credit of TN, LLC attempting to collect on the debt.
I was involved in a accident which created a hard ship we are trying to pay on this thru a debt consoliation and sometimes have to skip or extend the payment but the advance financial company keeps calling creating us more stress than we already have, can they be contacted about this we are doing our best.
I have been with Navient since they switch from  XXXX   XXXX  and I was getting random emails saying that my Forbearance request was approved. I have not request any Forbearance from Navient. I have also paid a ( personal ) loan with  XXXX   XXXX , and paid it off, and provided them the proof payment for it, and their still requesting me to pay it. I have recently reached out for help with   XXXX   XXXX   XXXX  , now I see a list out that this is a bad company too. I 'm so confused on what to do. I will be in debt for ever it seems, this all started in    2005  now I have a home and it will be paid off before these consolidated student loans. Or the ( private ) loans. There is always a brick wall with these companies.
CENTRAL FINL CONTROL ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX, CA XXXX Phone : XXXX Fax Number : XXXX Dear XXXX : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify CENTRAL FINL CONTROL or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CENTRAL FINL CONTROL or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/1972 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
LOAN # XXXX First and foremost we only and mainly fell behind because without notification out mortgage was increased due to an error that was on Carrington part I believe. We have never paid property taxes because we are exempt from taxation being that my husband is a XXXX XXXX XXXX XXXX military veteran. Carrington said that they received a bill in which is false but sent a payment to XXXX XXXX county property appraisals office and after waiting about 3 months to correct the issue they indeed received the money back that was paid out. I did not agree with the increase and instead of paying increased payment I wrote a letter of explanation and sent in what my regular payment would 've been in to them for a couple of months. By the time the issue had been corrected and funds returned 3 1/2 months had gone by and they refused to go back and lower the payment for those month leaving my family completely overwhelmed. Now we have been trying to do a modification and are having our document declined and saying it 's not correct even after documents are coming directly from official government entity like social security department of veterans affairs and department of children and family even getting departments supervisor involved. It is my belief that Carrington Mortgage Services is trying to maliciously sabotage our loan for their own reasons like selling our home to themselves for {$1000.00} and thamks to the VA A RESCISSION was granted and we moved past it. We are in great need of help and assistance.
On XXXX/XXXX/16 I deposited XXXX by wire transfer to Sallie Mae for a one year cd. 
On XXXX/XXXX/16 I received an email which said my statement was available. copy attached. 
They gave me no previous warning that they were imposing onerous conditions on me that were unnecessary since they had my money. I then told them I did n't want to do business with them and to refund my money. they propose to charge me a fee that they call early withdrawal. and I feel is wrong and due to their fumbling.
Bankruptcy removal I have been disputing with Transunion and XXXX about the information associated with my Bankruptcy Ch XXXX. Most recent disputes have been online as well as by phone XX/XX/XXXX/ XX/XX/XXXXand ongoing thru XX/XX/XXXX. The results have been the record has been updated but my dispute has been who furnished the information for the updated information? The US bankruptcy Court has notified me that the court does not furnish the record to credit agencies or third party agengies. I have ask for how and who verified the bankruptcy for accuracy but TransUnion and XXXX always reply with they verified through public record database provided by the court through XXXX or XXXX. Listed are the things that I have asked and begged for and they won't give the information to me. I recently sent a letter in writing asking for this information which I am entitled to after my original disputes my phone and online.

( a ) The name of the courthouse ; ( b ) the persons name they verified the dispute ( c ) the address ; ( d ) the telephone number ( e ) the documentation used to verify the dispute FCRA, Section 609 ( a ) 2 ( 2 ) The sources of the information ; except that the sources of information acquired solely for use in preparing an investigative consumer report and actually use for no other purpose need not be disclosed : Provided, That in the event an action is brought under this title, such sources shall be available to the plaintiff under appropriate discovery procedures in the court in which the action is brought.

FCRA, Section 611, paragraph ( 6 ) ( b ) ( iii ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available The name of the courthouse ; ( b ) the persons name they verified the dispute ( c ) the address ; ( d ) the telephone number ( e ) the documentation used to verify the dispute.

Adding the public record also lacks name, address, full SSN or date of birth which is a minimum requirement according to NCAP.
Hello, in XX/XX/XXXX, my XX/XX/XXXX XXXX XXXX financed by XXXX XXXX XXXX was repossessed without earning or prior notice to tell me I had outstanding fees. I paid to have the loan reinstated which I was told included repo fees as well as paid the repo lot for my car. XXXX XXXX XXXX knew I was currently refinancing my car with another company. In XX/XX/XXXX, my refinance company got a hold of them and got the full amount owed and sent a check. XXXX lost this check for 2 weeks while I called incessantly with the tracking number and being told they didnt recieve it. Finally they found it and it was applied to my account. When it was applied, I recieved a paid in full notice. I called twice to make sure i would owe nothing else and was told nothing was owed and i was free from XXXX. This month, XX/XX/XXXX and 9 months after refinancing, XXXX is sending me a bill for XXXX claiming they sent many letters and threatening to come after payment any way possible. This is NOT a tax bill and i was told I paid all fees due after asking MANY times. I called and they insist i pay them and say they didnt see i owed it til XX/XX/XXXX. Yet in XX/XX/XXXX ( 2 months later ) they reported my account as closed to the creditors. Please see attachments. This amount was paid in full and after all these people put me through i refuse to pay or take thier threats.
Contacted multiple friends and family threatening arrest or legal issues. When asked to submit documentation of validity of debt and to cease contacting me at work, the caller threatened physical assault.
I previously had a dispute with XXXX Bank in which I owed no monies and the account was to be closed. However, they have since placed the account with a collection agency.
A company called Niagara Credit Solutions who I suppose is a third party debt collector is harassing me at work and on my cellphone. They said they have employment verification to garnish my wages which ca n't be true because they keep asking for me under my maiden name and I 've been married for nearly XXXX years. I called them back and told them to stop calling me, stop harassing me, etc. Because my husband & I bought a home last year in which I had to pay any outstanding debts to get the mortgage, and which were paid. They are asking now for a sum suspiciously close to what I paid another debt collector last year. I told them I would report to the BBB for harassment, I have never received a court summons, and they are threatening to garnish my wages which I do n't think they can do. Something illegal is happening here and I am getting tired of it. I can not possibly have an outstanding debt or I would not have my home.
My wife opened a new account with XXXX XXXX at the beginning of XXXX. I noticed on my XXXX XXXX   report that there is a hard inquiry from XXXX XXXX which I did not authorize and is listed further as you see as utilities and fuel. I spoke with their customer solutions department and they too have confirmed that there has been no ties between I and XXXX XXXX including any new or old accounts, they did not have my social security on file nor do they now. They gave me this site to help rectify the problem so it can be removed from my report. Thank you. If you need additional info regarding this please contact me at XXXX XXXX XXXX
I have contacted the credit bureau, all 3 on several occasions about items that are reporting on my credit report. These items it either not mine or was settled inn my divorce, in which I am not to be responsible for. I have asked that they remove these items from my report and provide me with the paperwork and they have failed to do so .. The accounts are XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX .... These accounts are hindering my life.. I do not want to take a different approach and get an attorney
I have a XXXX XXXX Credit card. I lost my job and was unable to pay. I tried setting up payment options was told that I had until XX/XX/XXXX before the account Charged off. I checked XXXX XXXX on the second week of XXXX and it stated that I was in a Charge Off status. I talked to a representative today XX/XX/XXXX and was told it didn't charge off until XX/XX/XXXX. So I have been mislead in when it would charge off and the fact that it has been reported since XXXX is incorrect and need a to be corrected.