WillisBack/dataset-financial-user-claim huggingface dataset:
I have been a Citibank Gold customer for several years. I realized that the bank was taking {$60.00} per month from my checking acct. ( that I rarely used ) because I did not maintain a certain balance. 

I immediately closed the account in XXXX 2017. Since that time the bank claims that I owe them some {$500.00}. I have asked repeatedly for paperwork showing why I owe this money but they have NOT sent it to me. 

For months they were calling me daily, and for months they said they would send me the information. I have NOT received specific information regarding why They are now saying they will report this information to credit bureaus. The calls border on abuse. 

I do n't see how I can pay {$500.00} without any information in writing. This makes no sense. I find these business practices unethical and abusive. Who pays money without evidence that it is owed?
I called XXXX on XX/XX/2018 and purchased a XXXX XXXX XXXX XXXX XXXX   for delivery to a friend, on my Account List, XXXX XXXX. When I got email confirmation XXXX clerk erroneously had it delivered to me, not him. Called XXXX and 3rd Party Vendor less than 3 minutes after order placed, both agreed to cancel purchase. 
I later purchased it, for delivery to XXXX XXXX for the XXXX advertised price of {$940.00}, XXXX XXXX XXXXSynchrony Bank continues to fraudulently charge me {$1100.00} not {$940.00}, the correct price pursuant to actua order placed and XXXX Website!
Bank of America allowed XXXX Federal IRS tax refund checks that were jointly written to my ex husband XXXX XXXX XXXX and myself XXXX XXXX XXXX to be deposited and cashed by my ex husband without my authorization or signature. I do not now nor have I ever banked with them. The checks in question total {$730.00}. They were deposited into his checking account at one of their atms in XXXX, Maryland. The checks were never stopped once the transactions were posted on the next business day. The checks in question were forwarded illegally to someone else 's personal P.O. Box that did not belong to either my ex husband or myself. I contacted them to resolve this issue but they have refused to deal with me since I am not the account holder.
Hello. This complaint is a result of a previous complaint XXXX. The complaint was answered but not satisfied. In this complaint i sent evidence of a cashed check by the bank for XXXX. The bank did in fact cash this check as was previously shown. The bank complained that I did not sure the money. First, there was no explanation on the letter that the money had to be wired. Second, when I made the payment at the bank i showed them this letter. They accepted payment and did not tell me to wire the money. They are the bankers and I expect them to know their banks policies. So, to continue, wells Fargo bank did answer my previous complaint. They did not state that they applied the check they cashed to my account. I have not heard anything about a lean release, reimbursement for forced insurance etc ... I want to know what the check for the account that they cashed. When did i get the lean release etc .... I have called them but I do not get a straight answer. Also. Wells Fargo previously stated that they could not contact me.. Not true, I spoke to them several times when this started and they were just evasive. The last person I spoke to would not give me an answer concerning the title. Thank you
I OPENED A CD ACCOUNT WITH BANK ON INTERNET ON XX/XX/2016. I DEPOSITED MONEY WITH BANK. THIS IS A JOINT ACCOUNT WITH MY WIFE XXXX XXXX. THIS BANK HAS VERY BAD CUSTOMER SERVICE. THEY DID NOT SENT ANY LETTER REGARDING THIS NEW ACCOUNT BY MAIL. CUSTOMER SERVICE NEVER EVER GAVE PROPER & SATISFACTORY ANSWER TO ME. I AM QUITE UPSET WITH THIS BANK & WORRY ABOUT MY MONEY AT SAME TIME.
In XXXX a purchase was made to XXXX XXXX XXXX to purchase wholesale XXXX trees in the amount of XXXX. The trees were sent via semi truck freight. 166 trees were missing from the order. We contacted XXXX XXXX and she refused to deliver the remaining trees and hung up. I disputed the charge with capital one. They received a invoice from XXXX XXXX. I verified and uploaded the actual bill of laddel from the trucking company that showed the trees were ordered and paid for however 166 trees were missing. 7 ft trees which is clearly indicated on the bill of laddel and signed by her Forman and the driver. Today Capital one re billed the amount to my credit card without even reviewing my documentation on no delivery. A bill of laddel is a legal document freight drivers must have and it clearly shows it was shorted 166 trees at XXXX dollars per tree XXXX which is what I disputed. Im disappointed in capital one that they didnt even bother to give me the required time to show my proof before they placed it back on the card. I was notified on Monday that she responded with a invoice with no signatures and no proof of delivery so I gave them them the shipping laddel and witness statements the same day. They didnt even review them. Im not sure if the process they are required to follow but I have written the dispute and shown clear evidence of not shipment of items. Capital one has not even gotten me the info a letter sent to me before they even sent me a notice to continue my dispute they just charged the card back. Why dont they wait for evidence before they charge the card back? XXXX XXXX XXXX has not provided a billing laddel or proof of delivery of any kind. Additionally the owners of the store they were being sold at signed a statement showing it was not on the truck which I have attached also. XXXX XXXX.
Titlemax of DE illegally repossessed by vehicle from my home address in NJ. I have been unemployed since XX/XX/2017 and had been telling them to give me time to pay. They took the vehicle on XX/XX/2017 without informing me and did not give me opportunity to remove personal belongings from the vehicle. I need the vehicle to look for work.
My loan servicer is listing the incorrect number of PSFL qualifying payments on my loans. I began making qualifying payments in XX/XX/2013 and have had more than 60 qualifying payments. However, they list only 40 qualifying payments on most of my loans. They tell me that my qualifying payments are " under review, '' but this review has taken an unreasonable amount of time ( more than 5 months ).
The mortgage is a 50 year mortgage with a 30 year balloon. This mortgage is an Adjustable Rate Mortgage. I was told it was a 30-year loan and it is not.
I met minimum spend requirements for my XXXX bonus miles on the AMEX gold card and they never gave them to me. I tried contacting their customer support ten times and they never resolved the issue.
EQUIFAX has reported a collections on my report. They have reported a MEDICAL BILLING on my credit report. I have sent over repeated letters by certified mail and that have not responded. They have not validated the debt upon written request. They continue to Report this claim. Equifax claim that have received validation ( DEFAULT OF WHILE IT'S STILL ON MY REPORT ) from the creditor and have kept this derogatory remark on my report despite my multiple letters to them as well. 

PLEASE Be advised that pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sect. 809 Equifax are in violations of the 1996 Hippa Act, The law Fair Debt Collection Practices clearly states they must verify Evidence/proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 

Proof that the collection agency are registered to transact business and/or collect in my state. 

Proof of collection agency authorization by law for collection of information. 

Evidence of whether this debt was assigned or sold to : XXXX XXXX PLEASE Be advised that pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sect. 809 ( b ) that your claim is disputed and validation is requested. 

Any Evidence of EQUIFAX verifying my personal Medical Billing is a violation the HIPPA ACT 1996 TITLE II PRIVACY AND SECURITY which are a set of regulations and guidelines for the electronic transmission of healthcare data, and sets up guidelines for the code sets used in medical billing and coding. 
ANY MEDICAL INFORMATION AND INCLUDING MEDICAL BILLING MUST HAVE A HIPPA RELEASE FORM. 

Having Any Of My Medical Information Is A Violation Of Hippa Law. 

CREDIT REPORTING Agencies do not fall under Health Information Exchange ( HIE ) Which pertains only to Doctors, Nurses, Pharmacist other Health care providers to access and securely share a patients vital medical records. 
ANY VALIDATION OF THIS DEBT IS UNLAWFUL OF HIPPA ACT 1996 TITLE II PRIVACY AND SECURITY
I attest that I am XXXX XXXX, and the owner of the verbiage that is contained in this dispute. 

1. I have previously disputed the XXXX XXXX, Acct number -- -Account Number : XXXX, with Trans Union . 
2. Trans union claims they have verified this account, please see the dispute results attached. 
3. No Credit Card account has EVER been established by me, with XXXX XXXX. No card, was received, no activation occurred and XXXX has NO history of this accounts existence. 
4. Please delete this inaccurate account. 
5. Please provide the Method of verification, along with the Name, Address or other contact details utilized in your investigation.
On XX/XX/2015 XXXX XXXX of the Robert A Schuerger law offices contacted my employer and revealed sensitive data about student loans debt to them. They told them that they have a program to help me pay the debt and " not to worry and that I did not owe any money ''. I received a call from my employer telling me exactly what she said and My employer told me that they did not represent themselves fully as a debt collector and to report them if they turned out to be. I call XXXX XXXX and she told me there are programs that the government has to vacate the judgment against me and that I would qualify since I worked at a " school ''. I do not work at a school, My company has " tech in the name so she assumed that it was like XXXX XXXX. After trying to convince me to sign up for some of these programs for about 5 minutes and me asking for more information like the case number etc. I asked point blank, Is this a debt collection, and she said " No I am trying to do you a favor '' I then asked if she had contacted my place of work in order to contact me about a debt and she said no and that she gave them no details. I asked her how I was aware of all of the details of why she called there if she had not discussed my debt. After several minutes of asking " did you contact my place of business to collect a debt? '' " and is this an attempt to collect a debt? '' she became very angry and said " This is an atempt to collect a debt and all information gathered will be used for that purpose '' and she also added that I was being recorded. I asked if she is required to inform my of the attempt and the recording at the beginning of the conversation or at the end and she would not stop yelling or let me speak and then hung up on me right after I informed her I would be reporting this incident. They have the call on tape and everything I said can be proven. She did not have permission to contact my employer via phone or to record me and not inform me of her motives in making the call in the first place.
Medical Data Systems, Inc placed a collection account on my credit report. I request validation of this account as I thought it was not mine. After the 30 day investigation I was sent no proof of validation or any information at all from the company showing that this account belongs to me. I then tried to dispute the information once again and still it was said the FCRA requirements were met. 

The company has not met FCRA requirements and should remove this account information from all three credit bureaus immediately.
In XX/XX/XXXX there was data breach involving my Stein Mart XXXX XXXX   card. I called the fraud department right away and disputed the charges that were not from Stein Mart since I never used the card for any other vendors. I canceled the card right away ( XXXX XXXX XXXX XXXX ) Some of the charges came from other stores and they were taken off my account right away. But two of the charges involved companies that mailed items to my home address. I called the two latter companies and they refused to deal with me, stating that I had ordered the items and that I could not return them unless I paid for the shipping. I was told to refute the charges through Synchrony which I did. I learned through an Internet search that I was the victim of a scam : data is stolen, items are bought in stores, and items are bought online and delivered to home address and then stolen from the front door or a bogus XXXX envelope left for returns. 

When I first received my XXXX bill from Synchrony, I paid the {$38.00} for a Stein Mart charge ( which was my purchase ), but did not pay the {$210.00} for an XXXX Online purchase made on XX/XX/XXXX and the {$110.00} for an XXXX XXXX purchase. ( Total disputed : {$320.00} ) I also received a form from Synchrony 's Fraud Solutions Department that I filled out and returned to them. 

My XXXX bill showed credit for each of these disputed charges and a balance of {$0.00}. I thought the problem was resolved. 

In XXXX, the bill for {$320.00} returned on my statement and since that time, fines have been added. I have contacted Synchrony twice more trying to resolve this. I received two form letters denying my fraud claim because " Merchandise was shipped to customer 's verified address. '' Now Synchrony has been calling me up to three times a day. I have explained over and over that I dispute the charges and was the victim of a data breach. The phone calls continue but the issue is not resolved. I have excellent credit and don't want this to hurt that.

Can you help? Thank you.
XX/XX/XXXX I filed bankruptcy however, XX/XX/XXXX I started getting phones from Commercial Recovery Systems telling me they was trying to collect debts on XXXX accounts from XXXX that were included in my bankruptcy. Well these calls where by far normal debt practices they was harassing and threatening. They was calling me all hours and my work. Causing emotional and stress not only calling me but my father. You will see I filed a law suit and I recently see the FTC has a law suit against them.
I keep receiving calls about a loan that has been paid in full since 2014. I have documentation that proves my loan had been paid. However, I keep receiving calls that I still owe. Not only that now they are calling themselves Diversified Recovery Bureau. The last time I reported these people they called themselves Diversified Recovery Services or Diversified Recovery Solutions. I have no idea who these people are and why they are still calling me.
I am in the process of applying for a new mortgage. During the process, we discovered that Ditech applied my XXXX twice and then re-allocated the payment. The underwriter for the new mortgage is requiring a letter that explains what happened. 

I spoke with XXXX at Ditech yesterday. Initially, she told me it would take 10 days to receive a letter. Then, she said if I requested it via email it would take 30 days. 

I told her that neither of those options was acceptable. She told me that she couldn't do anything else. I insisted on speaking to a supervisor. XXXX came back on the line and said that the supervisor would prepare the letter and send it to me today via email. 

It is now XXXX and they have not sent the letter. 

This is delaying my mortgage application. I'm also concerned that they did not notify me back in XXXX when this error occurred.
US BANK HAS NEVER SENT ME STATEMENTS FOR AN CREDIT CARD ACCOUNT THAT I HAVE NEVER USED XXXX LIMIT THAT ONLY FEE WAS OWED WAS FOR REPLACEMENT CARD XXXX TO REPLACE THAT I NEVER RECEIVED WHEN I WAS APPROVED UPON FOR XXXX CREDIT LINE.. THEN THEY SEND ME AN BILL AFTER THE FACT I HAD PAID IT AND CHARING ME LATE FEES EVEN THOUGH PAID AND NEVER USED IT.. IN FACT I NEVER GOT ANY STATEMENTS SAID I WAS LATE WOULD CLEAR ISSUE BUT YET STILL ILLEGALLY PENALIZED ME BY LOWERING MY CREDIT LINE DOWN TO XXXX .. WAY ILLEGAL NEVER USED ACCOUNT TO WARRENT DROPPING MY CREDIT LINE..
BSi financial one again has done an incorrect escrow analysis that has raised my mortgage payment by XXXX dollars I sent them a qualified written request with a copy of my tax bills and insurance. I also called them and explained the mistake but after 2 months they have not yet corrected this. They have called me several times and I have explained this several times to several different BSI employees each time they have promised to fix this problem yet they continue to call me and send me outrageous bills.I have been sending my regular payment in each month but they are not applied to my balance.this is the same problem we had last year and it was not fixed until we filed a complaint with the consumer financial protection bureau. This is a simple and obvious problem and at this point I feel I am being harassed by this company to the point that I am considering refinancing with a different company. I am also concerned about what they have put on my credit report. I have had this mortgage for 3 years other problems I have had with them my homeowners insurance was not paid on time and my taxes were not paid on time but they fixed these promptly after I notified them. Bottom line is this company has been a nightmare I ca n't imagine dealing with this company for 27 more years they should be finned for this kind of incompetence they should pay my closing costs for a mortgage with a reputable company.
someone scan my debit card info out of the a XXXX gas station ( XXXX XXXX and XXXX XXXX in XXXX XXXX CA ( this is according to the Chase Bank representative ) on XX/XX/XXXX someone withdraw about XXXX dollars out of my checking account in 4 transactions XXXX, XXXX, XXXX and XXXX. None of these was made by me. 

Chase refunded all but on transaction of XXXX, because according to then the geographic location and the fact that i previously had withdrawn money from the ATM proves to then that I was the one doing the transsaction. 

When I tray to escalate the claim, they ask me to file a police report, which i did on XX/XX/XXXX. I took the report case number back to the bank, but they now the answer is that for them the case is close and only if the get a subpoena to see the video tape of the ATM in question will reopen the case
There are collections on my credit report that are not mine i am going to list them here.        1.   XXXX   XXXX   XXXX   -  XXXX  2.   XXXX   XXXX   XXXX   -  XXXX  3.   XXXX   XXXX   XXXX   -  XXXX  4.   XXXX   XXXX   -  XXXX  5.   XXXX   XXXX   -  XXXX  6.   XXXX   XXXX   -   XXXX   7.   XXXX   XXXX   -  XXXX  8.   XXXX   XXXX   -  XXXX  9.   XXXX   XXXX   -  XXXX  10.   XXXX   XXXX   XXXX   XXXX   -  XXXX  11.   XXXX   XXXX   XXXX   -  XXXX
0n XXXX XXXX 17 XXXX from XXXX XXXX XXXX called my daughter in NC, my son - law in NC, my son in XXXX, Ma and left me a message too from a restricted phone number. XXXX, told my son his co had a warrant for my ARREST and needed him to get me this urgent message. My son hung up on him. my message stated he had a summons for me to appear in court to call Law Firm XXXX XXXX XXXX XXXX XXXX at XXXX with file # XXXX ..I called the number today and spoke to a XXXX XXXX who I told my family members were harassed and that my son was told they had a warrant and my message stated they had a summons for me to appear in court? I told XXXX XXXX this co is out of line, not licensed, not following lawful, guidelines. XXXX XXXX disagreed and did n't want to listen. I have not received anything from these people and they had an old address I lived at. I asked to have info sent to my correct address and he only threatened me and said I will be receiving a summons to go to court being sued
I have purchased a prepaid card through XXXX called XXXX prepaid debit card. My wife and I loaded {$40.00} dollars on the card, just for a bill and trying out a new card to use for bill saving. 

We arrive home and my wife and I tried to activate the card online. My anciently clicked the auto fill that remembers previously filled information on certain webs, upon this everything was filled in except my social that i filled in myself. We failed to ensure the name was filled in entirely. We did n't find out until after it went through that only my initials appeared. All information correct except my full name not appearing. So it was not activated. 

We call the customer service and they tell me I can not use the card and if I want to I have to send in all of my personal information like my photo ID, my receipt, and my social security information. 

Now, I given them all of the correct information however I was not sending in my information just to wait months for them to give me my funds if they ever were. I put my money on the card, trusting the card to use online immediately. This is ridiculous and they tell me i can not receive a refund nor can i use my card, They are able to activate it, they are refusing to. this is not for my safety, this is FRAUD! A SCAM! This is not advertised and they have stolen my money. I can not use my card and receive my funds at all. they want my identity information. This is not something they can do. This is not a bank, but a card. I am baffled and downright upset having trusted this card. 

This is ridiculous and others should not use this only to find they can not access their funds. They have stolen my money.
I have a consolidated loan from Navient. The loan was consolidated in XXXX. The Principal amount was {$71000.00}. We did accept a " Graduated '' repayment in XXXX. During the 18 years of repayment, we have paid {$100000.00} in payments. 18 years later, the principal balance is {$61000.00}. Thus, {$100000.00} has reduced the principal by only {$9000.00}. We were NEVER told this could happen and NOTHING in any literature ever indicated this was possible. Moreover, it should have ended in XXXX but they keep extending the " Graduated  '' payments, claiming we called and asked for extensions. It is false.
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I only discovered this outrageous scam because I received a negative credit report that showed 90+ delinquency in a student loan payment fromXX/XX/XXXX. Even though we have made payments for 18 years ( that 's about 216 payments ) and have never been late, and even though our credit report shows over 4000 payments - - not one is reported as late - - Navient claims they emailed us 3 times asking us to read a delinquency letter on their website. We never got a single email or a single letter. We have not used the email address they claim to have sent it to in over 15 years. It still may be active, but we would never have seen that email. Proof? in over 4000 credit reports, including over 200 for Navient, we have never once been late with a payment.
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Clearly, Navient made a mistake. We asked it to fix the report, and they refused. So, while they have set up a system that no human would EVER agreed to ( pay {$100000.00} over 18 years for a {$70000.00} loan, and a {$9000.00} principal reduction ), and which was never disclosed, they continue to destroy my credit.
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please help!