WillisBack/dataset-financial-user-claim huggingface dataset:
Using my Bank of America Visa Card, on XX/XX/XXXX I purchased an advertised US Size XXXX dress on XXXX for {$120.00} for a wedding I was attending on XX/XX/XXXX. I have worn a US Size XXXX dress for many years now. Upon receiving the dress from a XXXX manufacturer by XXXX on or about XX/XX/XXXX I found that the dress did not fit. Since my computer is not sending or receiving emails at this time I had a friend, XXXX XXXX, contact XXXX on XX/XX/XXXX stating that the dress didn't fit and asking to return the unworn dress for a full refund of {$120.00}. On XX/XX/XXXX XXXX confirmed that they hadn't or wouldn't release my {$120.00} payment to the XXXX manufacturer until the matter was resolved. In the meantime the XXXX manufacturer wrote XXXX XXXX on XX/XX/XXXX to say that they couldn't provide me with a refund because the dress had been worn -- which is NOT true. Apparently XXXX  had also paid the manufacturer despite telling me otherwise. 

After weeks of emailing back and forth without any resolve, I escalated the matter to Bank of America 's Visa Credit Card Department in mid-XXXX  by explaining everything as noted above. They said the charge would be put on hold and that I wouldn't be responsible for the charge unless they found out something different during B of A 's investigation. I saw that the {$120.00} charge had been removed from my credit card statement. Then, to my surprise, on XX/XX/XXXX at XXXX XXXX ( the time that my mail is delivered by the US Post Office to my mailbox ), I received a letter from the bank stating that a detailed, written response must now be received by the B of A office in XXXX XXXX, Texas by XX/XX/XXXX or the {$120.00} charge would be returned to my statement. Such an unreasonable demand by the bank would have given me less than 30 minutes to research, write and post a written response to the XXXX XXXX office. 
When I called Bank of America 's Customer Service Department they reiterated there was NOTHING that could now be done because their unreasonable deadline had passed. The Customer Service Agent went on to say that the bank is not responsible for " buyer remorse ''. 

In conclusion, XXXX DID NOT honor their Customer Satisfaction '' guarantee ; the XXXX dress manufacturer DID NOT create a US Size XXXX dress ( while mysteriously determining from 12,000 miles away that I wore their dress -- which I didn't ) ; and Bank of America DID NOT give me any time in which to respond to their demand letter received on XX/XX/XXXX. I have 13 written correspondences that substantiate everything written herein. All I am seeking is a refund of {$120.00} for a dress that didn't fit. I will be happy to return the dress to the XXXX manufacturer despite their unwillingness to give me a return address.
On XXXX XXXX, XXXX I called AES To discuss repayment options on my private student loan. Originally my student loans were through XXXX, and chase sold it to AES a few years ago. 
On one of the student loans the monthly repayment is {$350.00}. On the second student loan through them The repayment amount is {$340.00}. I have been trying to work with them before in the past and they offered me {$360.00} for six months and XXXX for the other six months. I recently finished paying the year repayment plan that they offered me and starting in XXXX my payment will be almost {$700.00} a month. I tried explaining to them that I am unable to make this payment and that it is very unaffordable for me. I am a single mother with a XXXX XXXX and a one income household. When I was talking to them today on XXXX XXXX, XXXX I was calling in regards to a payment options as in ways of lowering my monthly payment to a more affordable one, forbearance and deferment options as well. Their response was that I am not eligible for any programs and I would have to pay my student loan payments in full. Since I have been in repayment status with the student loan I have faithfully made all of my payments, although there was one incident where I was behind on my payment but I did make that payment as soon as I had the funds to do so. I am really trying to do all of the right things to avoid default, but in all honesty a payment of {$700.00} a month is just unrealistic with my life situation right now. This year has definitely been a stressful one, my daughter XXXX XXXX XXXX in XXXX and my hours at work have been shorter than they normally would ever since, going to doctor appointments and XXXX follow ups. I dont have anyone else to help me. I was barely able to make the payments of {$490.00} a month. If I have to pay {$700.00} a month for a student loan there would be no way my daughter and I would be able to live. We would probably end up homeless in all honesty. I really need help lowering my payment to something I can afford. Please help me!
I have been disputing an account on my credit report by   XXXX   XXXX  . They are reporting an account from   XXXX   XXXX   that was opened in  XXXX . They are currently reporting that the account was opened in   XXXX   which is wrong. Neither company is able to verify the account.   XXXX   XXXX   sent me a letter stating that they do n't have the documents 8n which if they do n't have any documents with my signature   XXXX   XXXX   does not either. I 've disputed this with Transunion and transunion claim they verified the account as being reported correctly. That 's impossible if the original creditor is unable to validate the account with documents. I 've attached a letter from   XXXX   XXXX  .
IGNORED CEASE AND DESIST AND DO NOT CALL AND CALLING HOME, WORK, CELL AND SKIP TRACING WUTH INVANSION OF PRIVACY INFRACTIONS IN VIOLATION OF FCRA NON VALIDATION OF DEBT.
Note : This is related to a previous CFPB complaint I filed XXXX/XXXX/XXXX against Capital One. A total of XXXX files are attached including XXXX XXXX XXXX XXXX XXXX and a call log " XXXX. '' THE CALL LOG AND FILE NAMES CONTAIN THE PHONE NUMBER AT WHICH THE CALLS WERE RECEIVED. 
XXXX. Beginning XXXX/XXXX/XXXX while awaiting response from Capital One concerning the CFPB complaint filed XXXX/XXXX/XXXX I began receiving robocalls from " XXXX '' from Capital One. Through XXXX/XXXX/XXXX a total of XXXX calls of this type were received. These calls state " Hi this is XXXX. We would like to discuss solutions regarding an important business matter with Capital One. Please call us back today at XXXX to discuss further. Again the phone number is XXXX. Thank you. '' XXXX. Beginning XXXX/XXXX/XXXX robocalls from a " new '' caller from Capital One named " XXXX '' commenced ; XXXX of this type were received through XXXX/XXXX/XXXX. With XXXX exception all calls from " XXXX '' appear to be the same : " Hi this is XXXX from Capital One. We 've been trying to reach you about an important personal business matter. Please return this call at XXXX. Again the number is XXXX. Thank you. '' XXXX call XXXX XXXX/XXXX/XXXX XXXX just starts with " XXXX '' but the rest of the message is the same. 
Who the " you '' that Capital One has been " trying to reach '' is never revealed in any of these messages.
XXXX data breach has exposed my personal information through negligence, and other companies such as Transunion and XXXX charge or make their credit freeze options difficult to access.
I sent a certified letter to Check N Go to stop the ACH payments from my account with XXXX ( located XXXX XXXX XXXX XXXX, XXXX, OH XXXX ) I took the letter into XXXX to show them and they still charged me a {$33.00} for a stop check fee. I received the certified mail receipt back from Check N Go acknowledging receipt of the certified letter. Yet, Check N Go proceeded with the ACH authorization requesting payment of {$1400.00} and XXXX XXXX let the charge go thru. This left a negative balance on my account and left me with absolutely no money for a week ... no food, no meds, no gas. Nothing for both me and my husband!
After spending {$20000.00} for a {$14000.00} 2017 XXXX XXXX / XXXX XXXX a Car their Buy Program, I was denied {$0.00} down financing. I had just left my [ XXXX XXXX XXXX ], who have me recorded of having a XXXX FICO. But after a long, strange XXXX XXXX to XXXX, somewhere between XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX. XXXX to date XXXX ) and the Credit Bureaus ( Trans Union, XXXX, and XXXX ), I was not only denied credit but XXXX therein presented me with what appeared to be a FORGED XXXX document bearing a XXXX of XXXX or so. I then told XXXX that this information is not only incorrect from the Bureaus were under Court Order : the residence issue : my address was supposed to have changed pursuant the XXXX XXXX XXXX XXXX ' findings : Mortgage Fraud, defendants : XXXX XXXX / XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX for XXXX XXXX and wife XXXX XXXX / Section 1189 and G.C. 8224.1 Violators. See FERA Act of 09.  And that at least {$250000.00} ( USD ) was suppose to be reflected to each respective parties in concern, bearing case number XXXX / Related Case numbers as the Credit Burea account  numbers. However, none of these things have been done to date and or as the Law outlines.
Equifax reinserted information that had been deleted in XXXX 2015. XXXX agreed to remove XXXX accounts yet Equifax continues to report accounts. Please delete accounts numbered XXXX from my credit report immediately as agreed.
I have 3 issues. They continued to contact me after I sent written notification asking for validation and to stop the phone calls. They continue to call me at work when I asked them not to. They told my boss why they were calling. 

When they call I tell them I do not consent to be recorded as is my right in the state of California and they tell me they wo n't stop recording unless I validate my information.
A home I owned with a XXXX and XXXX mortgage from XXXX XXXX XXXX was approved for/and sold at short sale in XX/XX/XXXX. I received a letter in XX/XX/XXXX from Nationstar Mortgage indicating that they were attempting to collect a debt on this property, and may remedy by foreclosure. I replied via letter on XX/XX/XXXX that this property was sold. It came to my attention on XX/XX/XXXX that Nationstar filed a negative claim to my credit files with ( XXXX ) credit reporting agencies. I have been in contact with Nationstar since XX/XX/XXXX. I have provided to Nationstar XXXX times now, the Final HUD statement and ( XXXX ) settlement agreements, XXXX for the XXXX mortgage and XXXX for the XXXX mortgage, from XXXX XXXX XXXX. I was in contact with Nationstar today XX/XX/XXXX and was told that this dispute is still being researched.
My complaint is from the Very Beginning XXXX XXXX was very Cantankerous & trying to bully me around over the phone. Then later I received a Notice of Wage Garnishment of {$18000.00} from XXXX. This company did not lend me {$18000.00} they purchased the loan from the Original owner Cash Call who lent me {$5000.00} to pay my Federal taxes. Therefore I do n't believe its Honest, Integrity or Fair for them to try & collect {$18000.00} from me when that 's not the Correct Accurate amount of the Original Loan. XXXX nor cash call ever tried to work with me XXXX just called me all the time with threats & this Ridiculous offers that no one can comply with unless your Rich, not a Normal hard working person that Pays the Correct amount of XXXX legally & Do n't Cheat on their tax returns & say I do n't know I just gave everything to my CPA yeah you know. XXXX are in Violation of the Fair Debt Collections Practice Acts 15USC.1692., Common law malicious prosecution, & they are violating the declaratory relief under the California Finance Lender law 22000, XXXX is also in violation of the Roenthal Fair Debt Collection Practices Act XXXX Civil Cod 1788, etseq. These kind of Company are Big Time XXXX that should be prohibited to do Business because they PREY on Innocent hard working people like me! Also they Claim XXXX dollars on there tax return & write it down to mere pennies or some where around {$2500.00} and Rip off innocent people .They really were never willing to work with me they always asked for ALL the Money up front the Whole amount or more. They asked me for {$8500.00} the whole amount up front & then they just kept raising to {$9100.00}, {$11000.00}, {$16000.00} & Now {$18000.00}. If I had that kind of Money just laying around, then I would have never needed a loan in the First Place. Also With cash call they never tried to work with me if they did it would have not gotten this far I believe Cash call & XXXX XXXX work as a team to Rip off people & That 's why they have a TV Commercial now. In the Very being something happen with my account & cash call was not able to get paid from my account & when I tried to work with them They said NO we want all the Money up front & they would not take the payment arrangements any more & was so Rude, Mean, Nasty & Very Unprofessional. Then XXXX XXXX calls me & they acted the same way mean & Cantankerous!
I was never informed of the debt being collected. This agency did not make any attempt to contact me regarding this issue of owed medical bills. The agency just added it as an alert on my credit report.
, Since late XXXX, I was trying to resolve my AT & T Universal credit card issues and every day I am getting different road blocks to resolve my credit card issue that caused me financial injury, stress and time, per Citibank XXXX request on XXXX/XXXX/XXXX, XXXX XXXX asked me to write letter to XXXX XXXX at Office of President of Citi XXXX, just on XXXX/XXXX/XXXX I faxed to XXXX a letter and explained my issue to XXXX I thought the nightmare is over, because on XXXX/XXXX/XXXX after speaking with XXXX XXXX ( maybe wrong spelling ) advise me that in few days my balance will be XXXX ( XXXX ) and it will reported to all credit bureaus, but when I checked status on XXXX/XXXX/XXXX no please write letter to XXXX XXXX at Office of President of Citi XXXX since late XXXX, after reviewing my monthly statements that was send on XXXX XXXX by XXXX XXXX and again on XXXX XXXX by XXXX XXXX XXXX at XXXX ( only person that it seems doing something about ) that she reduced the amount and now asking me to fax her a list of creditors in my bankruptcy, since opening the credit card account XXXX, never been late and credit limit was {$20000.00} after paying off on XXXX Citibank reduce it to {$500.00}, if I wanted to not pay it I should down it that time I am Citibank Gold account holder since XXXX and I have excellent record, the balance on the AT & T credit card is incorrect from early XXXX to XXXX XXXX my personal data was hacked while I was with XXXX XXXX, among others credit cards ( few credit card with XXXX XXXX XXXX, XXXX XXXX and other bank Institutes since the amount was big the banks and I settled but with AT & T credit card amount were low and I AND MY WIFE HAD THE CREDIT CARDS AT OUR POSSESSION but it seems they made XXXX same and my mission was at XXXX XXXX I thought my wife was using it while I was making monthly payment until my bankruptcy on XXXX then my attorney XXXX XXXX included it in the bankruptcy till that point I never was late, in good standing and the balance was {$410.00} and XXXX XXXX XXXX in her letter stating that and she also subtracted fraudulent charge around {$96.00} and at present time she is reviewing the creditor bankruptcy list that why Citibank continue to charge fees and interest credit card and other after BK, if Citibank knew about the bankruptcy that is violation of Bankruptcy rules and regulation to charge any interest and fees, is almost 2 years now to resolve this issue I did sent numerous letters, phone calls, faxes and other requested documents filled with CFPB and disputed the charges with credit bureaus and solution yet under FCRA, Citibank has 30 to 90 days to resolve, I hope with these violations FTC and CFPB must audit or whatever maybe penalized Citibank and for not resolving my credit cards issue that caused financial injury, stress and time how long I have to wait, I hope she response and make mutual decision as soon as possible and remove it from my credit report. 
XXXX XXXX
My loan interest rate is 24.9. In Tn I believe the max rate should be less then 24.00. The car sales man told me a different date at signing I was young and didn't have an adult to come and supervise me as I purchased my car. Santander bank is taking hidden fees and I can show you a payment history on my loan to prove it. I call and they don't know how to explain. My credit score was not bad at the time I got my car I just don't understand why I will be stuck with this loan for the rest of my life.
Portfolio Recovery Associates contacted me on XXXX XXXX, 2014, Via XXXX MAIL, telling me to pay them {$840.00} for XXXX XXXX account number XXXX. Concerned, I called them the following day on XXXX XXXX, 2014 and I Paid them the full amount they requested immediately, assuming they had correct information. 
After that, upon inquiring about it directly with XXXX XXXX, it became evident that the account was in error and XXXX XXXX subsequently & Immediately deleted their negative reporting of the account from all three Credit Bureaus. I have tried repeatedly to contact Portfolio Recovery and they are still reporting it despite it being deleted from the original debt holder, XXXX XXXX. 

PLEASE help me. Portfolio Recovery has turned out to be an extortion company that got money from me and is still reporting an account that was in error from the original holder, XXXX XXXX. 

Best regards- XXXX XXXX
I had made payment arrangements with XXXX for {$50.00} a month to be withdrawn on a monthly bases for my copay of medical debt to ensure the debt would not go into collections. I have done this for over a year and for some reason they have turned me into collections when I have held up my end of the agreement. In addition, because of my ongoing life long medical condition my current copays go 's to this account to ensure a monthly payment is made to the hospital. Even at the collection of JL Ross the monthly payment is begin received via the hospital. I had over a year ago, made the arrangements for this payment to remain off my credit repost as I am rebuilding my credit. In addition, the hospital never sent anything saying this account would be turned over to collections so I could be able to contact them to have them review there records of agreement.
I contacted  XXXX   XXXX   XXXX  and wanted to get cable services thru them for  XXXX   XXXX . and I did, but I started to have problems with my tv, enternet, and phone services and this went own fo r two mo, s. I  got so tired of reporting this to   XXXX   XXXX   I finally canceled my services. I was told I was under a contract and I reply ok one that do n't work. they threatened to report me to my credit bureau. I told them find at least I can get some service that works so I did. they reported it to my credit report and stated it was in collections for  XXXX  dollars. date was  XXXX / XXXX /   2017  and I '' ve tried to settle this but they insist I owe them.  XXXX  I do n't think it is fair to pay for something that do n't work. thank you
I have optional overdraft protection on my checking account with Navy Federal Credit Union, but I have been advised by XXXX different representatives over the years that they do not charge the fee if the negative balance is less than {$5.00}. I have part of my paycheck direct deposited every two weeks ( {$210.00} on XXXX XXXX ). In addition to that, I deposited {$80.00} on the XXXX and XXXX. I used the account on the XXXX and deposited cash into the ATM at XXXX XXXX to cover those charges. Cash is 100 % guaranteed funds. I wake up this morning to a {$40.00} overdraft fee and my account in the negative for {$42.00}. As of XXXX XXXX, my account was in the negative roughly {$.00} cents. XXXX charges on the XXXX, XXXX of the were completed by midnight and my deposit is still pending. I called a spoke to a " supervisor ' by the name of XXXX who treated me like I was incompetent, stupid and confused. I am XXXX years old and I have been in the banking/finance industry for almost 11 years. I asked for the {$40.00} fee to be removed, she stated they do n't waive those fees. I feel I have been wronged since I have been advised they do n't charge the fee for balances less than {$5.00}. I am at a negative {$42.00} ( {$40.00} of which is the fee ). Navy Federal is known for their horrible customer service and very unsymapthetic and uncaring management staff. 

I had decided to give this company another shot after having been with them for 12 years previously and now, I do feel like the stupid one. I should have known better.
The police report along with the id theft advadift shows the fraudulent accounts the credit reporting agencies reporting section 605b of the fcra requires them to block these accounts after 4 days of submission of police report and id theft adfadvit
Requested from XXXX XXXX XXXX exhibit C date XX/XX/2018 they could not show any evidence on this alleged account but claimed they bought it, no contract no evidence its my account they then reported CRA 's with out proper validation as I requested.I have not received confirmation on how you have verified the alleged account attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, The CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting.I have not received confirmation nor certified testimony that your offices complied with the FCRA and all it's mandated rules when it comes to reporting accurately. Therefore you are to present to me with a certification in testimony that the alleged account presented in Exhibit C are in fact compliant and not subterfuge?
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) has inaccurately reported to the credit agencies on a Real Estate Loan Account. It is inaccurate in 2 parts of the report. 
1. XXXX has been incorrectly reporting 120 days late from XXXX XXXX XXXX XXXX. 
a. I was relieved of all liability of this loan when property was foreclosed XXXX XXXX. 
b. XXXX XXXX, XXXX I requested that this item be changed to show the last date to report as 120 days late to be XXXX XXXX. 
2. XXXX has been incorrectly reporting loan closed / terminated as of XXXX XXXX, XXXX. 
a. I was relieved of all liability of this loan when property was foreclosed XXXX XXXX. 
b. XXXX XXXX, XXXX I requested that this item be changed to show the loan closed / terminated as of XXXX XXXX. 
3. XXXX XXXX, XXXX, XXXX XXXX XXXX sent me an Escrow account statement letter detailing fund distribution from XXXX XXXX - XXXX XXXX in the amount of {$13000.00} and funds received of {$2200.00}. 
a. This property was foreclosed in XXXX XXXX b. I did not make any payments to XXXX XXXX XXXX, ever. 
c. When I called to get more information, they claimed I am in bankruptcy and they can not discuss my account without my attorney present. 
* I have never nor am in the process of filing bankruptcy. 
* My attorney did not file nor address bankruptcy in any call, letter or document when attempting to contact XXXX XXXX XXXX on my behalf. 
d. The representative at XXXX said they would contact my attorney and get back to me. I have not heard back in over a week. 

Prior to the XXXX XXXX letter, I have made multiple attempts to have this inaccurate information corrected by XXXX XXXX XXXX since XXXX XXXX, with no resolution. I have furthermore sent the same letter and supporting documentation to the 3 credit bureaus in a dispute. Only XXXX and XXXX  have corrected their reports, although Experian acknowledged the dispute, it has not made any correction. I have also enlisted the help of an attorney to have this corrected and he has not been able to gain any response from XXXX XXXX XXXX.