WillisBack/dataset-financial-user-claim huggingface dataset:
I use to have a contract with XXXX in XXXX NJ and my sister in law too because I was married with her brother we finish having the same last name and the first name. We used to live in the same address but different apartment number. i do n't remember if it was a one or two years contract. I wait until finish and I give the manager of the club the letter that they ask for saying that I do n't want to renovate my contract with them and he make all the changes but my sister in law did n't she just decide to close the account she was using to paid her membership and from the XXXX of us I 'm the only one who has a social security number.When they call me I tried to explain everything to them but they guy on the phone keep telling me that I have to paid that money when he finally decide to listen to me he actually confirm that it was not me because the date of birth that they have in the sistem is not mine. But they call me again telling me the same thing I explain everything to them again and I told them that they are using my social security number to put me on collection for an account that does n't belong to me and I give them my sister in law phone number so they can contact her. But they never solve the problem and they keep me in collection for something that I do n't owe. I need help because This collection is affecting my credit score and I 'm not gon na paid for something that I do n't owe.
In XXXX of 2017, I contacted XXXX XXXX XXXX XXXX XXXX to retrieve furniture from a lease to own program. I was told to wait for a call from a manager to have the furniture picked up and lease ended. This never occurred. I was also told that I could not bring the furniture back to store ; it had to be retrieved by XXXX 's. I continued to call XXXX 's over the course of the next four months to have the furniture retrieved, which did not occur. Eventually, I had to move the furniture in order to keep it from being taken by the apartment in which I lived, as my lease ended. Finally, once I told XXXX 's I had moved this furniture, they came to the new address to retrieve it, and reported me as having a paid charge-off on my credit. I spoke with the customer service folks, and was told that they would not investigate the information. If I was to dispute this through the credit bureau, they told me they would simply send it back because they say it is accurate rather than looking the information up and providing the evidence. I have not disputed this with the credit bureaus at this point as a result of what the XXXX 's representative said about not investigating and simply returning it back to the credit bureau.
I have reached out to this company and all three credit bureaus multiple times within the last 90 days to no avail. I requested information pertaining to the validation of this debt and well as this agency right to collect within the state of Louisiana. They have not responded at all but continually violate my consumer credit rights by keeping this account listed on my credit reports.
First reported to my bank an unauthorized transaction between merchant on XXXX/XXXX/16 for {$400.00}. Dispute : merchant ran my card on a unauthorized verbal a day before. Merchant was claiming transaction approval based on the days prior to services. Merchant did not fullfill my instructions and past services was still being worked/ discussed for over billing. First rebuttal between merchant was successful, however, metchant still overbilled and did not provide detailed information.No binding contract exists between merchant and I.They still ran payment without confirmed authorization on the day of transaction. 

Bank received rebuttal from merchant with XXXX pages plus of non-relavent documentation about the reported issue. My bank, Bank of America immediately reversed the credit provided previously which resulted in a negative {$480.00} in XXXX of my XXXX accounts. I then proceeded to call the claims department to provide me with the documents that the merchant submitted so I can appeal and send my rebuttal based on the exhibits the merchant provided. Bank of America claims department representative allegedly sent me the merchants documents via email for my review. However there was no sent documents. The representative still denied returning my credit until the claim was fully closed. 

I preceded to call and follow up the next few days and that claims rep. Did re-open the claim anf provided me my credit back. And she also added my notes on re-opening case and not receiving the documents promised. 

On XXXX/XXXX/16 BofA claims rep, XXXX XXXX left me a message to call back and ask for him, however I spent 2 occassions to reach him that day waiting over 30mins on hold. Due to working during the day I could not wait any longer. The following day, funds were taken out of a XXXX account. Giving me a $ XXXX again. 
Went on line to review the claim reasin. It still stated IN REVIEW, which was confusing because it was closed and a reverse was completed. 
The following Monday I reviewed a new notice which stated that I requested a withdrawal, which is not true. I called Bank of America claims department and spoke to another representative and they confirmed what tge noticed said and I corrected them by saying I did not request my claim to be closed. They notated my syated and said they would have claims researcher XXXX XXXX call me back the latest within 2 days. I never received a call and a request for a reverse credit was still denied. 

Unfortunately, Bank of America did not provide the documents promised for reviews and did not call back as promised. This situation is leaving my bank account in the negative and would like the bank to be responsible regardless now due to their errors and negligence.
On XXXX/XXXX/XXXX I was approved for the Wells Fargo Visa Signature card. The card came with 2 bonus offers : 1. XXXX points ( worth {$200.00} in statement credit ) after spending {$1000.00} within the first 3 months. 2. 5x points on gas, grocery, drugstore net purchases for 6 months I successfully completed the first offer XXXX XXXX points XXXX by my XXXX/XXXX/XXXX statement on which it showed a balance of {$4500.00}. I continued to take advantage of the remaining offer of 5x points by making purchases at grocery stores. On XXXX/XXXX/XXXX I logged onto the WF mobile app after having a transaction declined to find that my account had been closed by Wells Fargo. At that time of closure I had XXXX points pending on my account equivalent to {$160.00} in statement credit and had yet to be rewarded for successfully completing the first bonus offer ( XXXX points ). Thus, I had XXXX in pending rewards that I had earned while the card was open. When I called the WF Executive Office on XXXX at XXXX EST the representative noted my account was closed for rewards abuse. WF misled me by indicating that rewards would be earned in the amount of 5x for all purchases made at grocery, gas, or drugstores for the first 6 months. WF never indicated a cap on rewards or that spending more than they deem acceptable would result in account closure. I never spent more than my credit limit and made on-time payments. I feel that I was misled and treated unfairly.
I have a credit card with Suntrust bank with a {$2500.00} limit. About {$2000.00} is on the card. Minimum monthly payment was about {$59.00} - I 've been paying {$65.00} a month on time for XXXX years with no lateness. Was XXXX late in XXXX of this year - by mistake, did n't realize they 'd be close due to a holiday - bank assessed a {$35.00} late fee and raised my minimum payment. In XXXX was also XXXX day late due to XXXX that closed almost all business in TN. ( I live in XXXX ). but for the past XXXX months they 've still gotten {$65.00} every single month, only being late those XXXX times. Still, they assessed {$140.00} in late fees - and have raised the minimum to the point where I ca n't pay it - even after they 've been getting paid for XXXX months absolutely on time. They did agree to waive the late fees but even after paying my normal payment they 're insisting I pay them {$75.00} more this month or they 'll continue to assess " late fees '' and wo n't adjust the minimum payment. they claim there 's nothing they can do - and they wo n't guarantee my minimum payment will go back to where it was. I 'm between jobs and struggling to pay my basic bills - do I have any protections here? It 's not like I was weeks or months late - and it seems to me if they waived the late fees, it 's admitting they got paid. For them to act like the 'minimum payment ' they 've ( arbitrarily ) set is somehow beyond their control seems ludicrous. I still have good credit, and have XXXX other loans with them, both of which have been paid on time for years. 

help! 

best, XXXX XXXX, TN
On XX/XX/XXXX, I first went to my bank and withdrew {$400.00} in cash and went right over to Citibank and deposited it there to my other account. I received two receipts for the deposit, but the money never showed up on my Internet account, nor did it show up in the records of Citibank in the XXXX. I spoke to XXXX at about midnight on the XX/XX/XXXX and she said she did not see a {$400.00} deposit. I spoke to XXXX at approximately XXXX on XX/XX/XXXX in the executive response unit in XXXX XXXX , TX , and he said the money was in my account, but I looked at my internet just before I called him, it was not in my account online. I then called the assistant branch manager XXXX, who was at a different branch in XXXX XXXX, as the branch manager was at a meeting and not in the branch. This afternoon, I went to the branch manager and told him the problem and he basically said I was a liar!!! He did not try to see what went wrong and did not take any responsibility and it didnt even ask my name. 

When cash is deposted it is supposed go into my account and show in my account immediately, but it didnt until approximately XXXX on XX/XX/XXXX. I have never had a bank do this to me. 

I pulled all my money out of my account at Citibank and left the account open, but also canceled my direct deposit, as I do not trust this bank! 

There is something very wrong with XXXX in XXXX, CA
I ordered some clothing on-line from XXXX 's on my XXXX 's card. The clothing came and was not as described, returned some by mail, and took the rest to the store at XXXX XXXX, XXXX FL Returned everything I ever purchased from XXXX XXXX. It took a long time for the computer in store to recognize and accept the information the CSM was inputting. She said that some may not show as it was apparently shipped from XXXX XXXX package, and those are shipped to a regional center not directly to the customer. I told her that I had not received anything from the XXXX but that the on-line service advisor said some items only available through them. 

Got the receipts and I and the CSM agreed I owed nothing. I then shredded my credit card and closed my account. The next month I called XXXX 's when receiving a bill for what had been returned or never received. 

They did nothing. Then the following month added penalties, exorbitant finance charges. Again I contacted them takes hours as it is through an international auto message center. 

So I wrote them asking them for anything with my signature charging anything. Reminded them that my card was shredded given to their credit dept and the account closed. 

They acknowledged their bank had received my letter. They never complied with the request for proof that I was the person charging something, that all merchandise had been returned that was received. 

They just keep adding usury charges and put this in the credit report as a bad debt and it came up during my application for a mortgage with XXXX XXXX XXXX in SC, and their recommended mortgage rep XXXX XXXX. 

I give up as I owe them nothing have paid all debts I did owe was not late ever, and they refuse to be responsible. This never showed on the XXXX XXXX Report monthly until after XXXX XXXX was so efficient as to send me a copy of reason for mortgage rejection. 

Please help me.
After applying for mortgage loan and being approved, half way through escrow all of a sudden a supposed debt with open date of XX/XX/2014 and balance of over {$10000.00} just all off a sudden appeared. This says i owe over $ 10k and they haven't had this on my credit in 4 years but now all of a sudden they are reporting this debt as something I owe. Seems pretty fishy that this company I have no knowledge of is reporting this after seeing that I have paid off all my debts.
In XXXX XX/XX/2012, a police officer assaulted me in Florida then the unit on site sent me to the hospital involved with XXXX bills listed on my credit reports : First Fed Control # XXXX and XXXX # XXXX. I find the facts that I was sent to a hospital outside of my permission, did not sign any authorization for treatment, then was charged for this event as humiliating, degrading, and disrespectful. Since XX/XX/2012, I have received numerous debt collection letters related to this event that was dismissed by the Florida court system and remains on my record. I reported this to a representative of XXXX, and the accounts were considered accurate.
Dear Mr. or Ms . I made the mistake of taking a loan out with this company, I was approved for a {$600.00}. I was told online that there would be a smaller finance charge, steep, but I agreed. What I did not know, and could not see at the time I accepted this agreement, was that the Truth in Lending disclosure not visible at the time I accepted this loan showed an APR of, and this is not a typo either, 649.9988 % and that the total repayment amount for my {$600.00} loan would be a whopping {$3400.00} I had not been informed of the 650 % interest rate on the loan, and I was told there would be a {$350.00} finance charge, not {$3400.00} in total payments, and I was unable to view the " Truth in Lending '' disclosure until after the loan had been processed and funds delivered to my account. To this date I have paid {$560.00} ( in only 7 weeks ) for the {$600.00} loan. I was also told this would be bi-weekly payments and not weekly. I feel like I was totally mis-lead about how much this little loan would cost me. I am willing to pay this off with a reasonable amount of interest. Thank you for your time. I did not realize this was such a scam or I would have never accepted this. They sent me an email stating that I now owe them : XXXX wrote : XX/XX/2019 XXXX AM To You XXXX XXXX, Thank you for your email. Our records show your account is fully past due in the amount of {$1300.00}. There are currently no payment arrangements for your account. We are able to divide this balance into 7 smaller payments of {$180.00} to assist you in your efforts of paying your loan in full. Thank you for choosing XXXX XXXX XXXX. 
Disclaimer : XXXX XXXX XXXX , XXXX  is an entity formed under the laws of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reservation of Montana ( the Tribe ), a federally-recognized and sovereign XXXX  XXXX Tribe. XXXX XXXX XXXX , XXXX  is wholly-owned by the XXXX. XXXX XXXX XXXX , XXXX is a licensed lender authorized by the Tribes Tribal Regulatory Authority. 
This is not acceptable. I am willing to settle for a reasonable amount of interest. I have paid back 95 % of the borrowed amount. 

XXXX XXXX
I am one of those homeowners who has been through the Mortgage home loan modification nightmare with XXXX. I have been round and round with Bank of America for 5 years now. It has caused me a great deal of stress, which actually limited my ability to generate funds. I have my own business which relies on my own artistic creativity. After the crash of XX/XX/XXXX my business income came to a halt. I struggled for several months to make my regular payments, and then in XX/XX/XXXX I missed a couple payments, and that set me behind.. I then entered the mortgage modification maze and then the bank made my payments so high I could not afford them. 

Until last week I thought I was on the cusp of foreclosure, until Bank of America called me and informed me I was now in foreclosure and had been since XX/XX/XXXX. A fact I was not aware of. I find Bank of America to be XX/XX/XXXX. Just last week I received a letter from them stating I was now in foreclosure. 
I have been the victim of duel tracking where I was told for a long time that I was being considered for mortgage modification, and told not to send in my regular payments and was actually told " we do n't want your money '', and at the same time receiving letters and phone calls demanding I make my payments plus additional penalties which actually almost doubled the size of the payment. So I was also a victim of Robo-signing. My loan started out with Countrywide, and the Bank of America took it and now I have discovered Bank of America does not even have the loan, The Federal Government does through XXXX XXXX. 


Boy that 's really making a home more affordable????? The making homes more affordable program would have me send in a great deal of paperwork with all of my personal financial information, again and again and again and again. Round and round we went. Nothing made any sense! Several times they lost my paperwork and demanded I send it all again. Highly frustrating and stressful! In addition to this, the sour economy since XX/XX/XXXX affected families so much financially they could not afford to send their kids to summer camp. I used the same amount of advertising. I would usually have up to XXXX campers, but XX/XX/XXXX I had XXXX the number of campers. Instead of classes of XXXX to XXXX, I had classes of XXXX or XXXX. In addition my XXXX numbers were also low. 
Severe XXXX Weather stopped all business Usually our XXXX in the XXXX area are mild and I can continue giving XXXX in the XXXX, and XXXX. From XX/XX/XXXX till XX/XX/XXXX, we had the worst XXXX on record. We had at least XXXX major show storms of at least XXXX '' of snow and very cold temperatures. I was unable to do any business, and we had to feed twice as much XXXX, costing me more money! 
Now that I had a lawyer, Bank of America finally gave me a mortgage modification. Then they added over XXXX to my mortgage in penalties, raising the price to {$140000.00} for a home worth {$11000.00} since home values have dropped. So my monthly payment is so high, I rally struggle each month, and I am XXXX and have little Social security money. At a time when I need to retire, I have to look for more jobs just to stay in my home of 26 years
Nationstar has reported false and incorrect information to the credit bureaus indicating I am more than {$110000.00} delinquent. Nationstar 's predecessor, XXXX XXXX XXXX, NEVER attempted to collect after the foreclosure sale. 

There 's been active litigation between XXXX and myself since XXXX 2012. I have included the most recent docket entry on the Federal lawsuit.
To Whom It May Concern, Account Number : # XXXX / XXXX XXXX I have mail several documents requesting validation of XXXX XXXX requesting the following information : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Prove the Statute of Limitations has not expired on this account : I have not received anything from XXXX XXXX  referencing i have a debt instrument with them. Per the Federal Trade Commission ( FTC ), XXXX XXXX is NOT following guidelines of what constitutes proper debt validation. I have NO contract with XXXX XXXX, I am not obligated to buy for the alleged debt. XXXX XXXX is the reporting inaccurate information on my credit report.

Im planning to apply for a VA mortgage loan, and XXXX XXXX account is negatively impacting my ability to qualify.

Thank you for your attention, XXXX XXXX
On XX/XX/2017 upon looking at my credit report i saw that inquiries from XXXX, XXXX XXXX XXXX, XXXX, XXXX , XXXX and XXXX had been removed from my Transunion report on XX/XX/XXXX. Then on XX/XX/XXXX inquiries for XXXX, XXXX, XXXX ( XXXX were added ), XXXX, XXXX ( XXXX were added ), XXXX, XXXX. I did not receive notification on such changes to my report within 5 days as stated in the law. I am requesting TRANSUNION DELETE these inquiries as they are in violation of the law.
Hi, I sent a SEPA transfer on XX/XX/XXXX from my bank account to my Coinbase account. The total amount was XXXX. 

On XX/XX/XXXX Coinbase reversed the payment and sent me this email message : " We're unable to process your recent deposit for XXXX EUR sent on XX/XX/2018. 
These funds will be returned back to the sending bank within 1-2 business days. '' Two weeks have passed since then and the money have not reached my bank account yet.

I opened a support case asking for this issue and they answered with an automatic respond. After that, I have sent several mails to Coinbase regarding this issue, but they do not respond anything.
Select Portfolio Servicing ( SPS ), Inc. recently employed XXXX XXXX XXXX XXXX XXXX ( a law firm ), to send via certified mail a " Notice of Acceleration of Loan Maturity '' letter dated XXXX XXXX, XXXX ( see attached ) to me. As required by Texas Property Code 51.002 ( d ) and the Deed of Trust, SPS is required to send a " Notice of Demand Payment '' and a " Notice of Intent to Accelerate '' in order to provide adequate time to cure the debt and notice me that failure to cure the default will result in acceleration of the entire debt and could lead to a foreclosure and, possibly, a deficiency judgment against me if the proceeds from the foreclosure sale do not fully extinguish the secured debt in accordance with common law requirements. SPS did not send me neither the " Notice of Demand Payment '' nor the " Notice of Intent to Accelerate '' as required by law and the Deed of Trust. 
SPS purchased the servicing rights to my mortgage while it was in default. Therefore, they are deemed a debt collector and not an original creditor in accordance with the Fair Debt Collection Practices Act ( FDCPA ) 803 Definitions [ 15 USC 1692a ]. SPS ( or their agents ) has, despite written requests to " Cease and Desist '', continues to come onto my property and hang notices on my door ( see attached ). 
Finally, both XXXX XXXX XXXX XXXX, XXXX and SPS are in violation of FDCPA 1692e and 1692g ( b ) in that neither the law firm nor mortgage servicer has properly verified the debt. I have sent numerous RESPA requests asking for an itemized accounting clearly explaining each charge from inception of the loan. The payment history and all transactions from inception of the loan to XXXX XXXX have never been produced by SPS nor the previous servicer. They produce a copy of the note and an incomplete accounting which is missing years of records, does not clearly explain each charge with a date and does not reconcile back to the amount owed. Therefore, I am not able to adequately dispute the amount of the debt due to insufficient itemized accounting records.
I would like to add my complaint/ experience to the suit regarding the problems with Navient, which financed my students loans until XX/XX/2016 when I was able to move and consolidate them with XXXX. I feel Navient discouraged -- and even falsely advised -- me to over pay to reduce the principal on my loans. I also feel the did not correctly allow me, nor did they offer, to combine loans and did not give any information about changing rates. Finally, Navient would not adjust the loan to allow me to take my father off as a cosigner. As a result, after much communication and discussion, I had to change companies. It was just one thing after the next. Now, it appears I was n't the only one experiencing this. I thank you for this opportunity to share.