WillisBack/dataset-financial-user-claim huggingface dataset:
I have contacted the company numerous times to update my checking account for the automatic withdraw payment. I have called used the chat feature on the app and emailed. I get put on hold for almost an house to get hung up on. The chat they dont respond for over 45 minutes. I then gdt contactes by XXXX who keeps telling me to call. I have called and i get put on hold. They don't speak English or they hang up on me. I have filed a XXXX complaint and Money lion lied in attempt to make me look bad. Stating I never contacted them. They keep trying to debit my old checking account resulting in overdrafts. My correct checking account is on file. They have it and blatantly refuse to update it.
Sent tow truck onto private property to reposess car. 
Tow truck driver acted on behalf of Susquehanna by advising me of an incorrect amount I needed to pay to get my car back. 
Tow truck driver acted on behalf of Susquehanna by telling me he could not leave property without taking car. 
Susquehanna violated their own policy by repossessing car after only XXXX payments missed. 
Susquehanna collection department employee, XXXX XXXX, tried to discourage me from pursuing further action ( eg complaint, bankruptcy ) while offering no assistance in helping me rectify situation.
I have had my identity stolen and now I have several collections items that I have no clue about.
I have gotten several calls from particular number with automated voicemail. Call back and it has voice message of XXXX XXXX and someone else everytime. Couldn't find any info when looking up number. Just got call from a new number and voicemail was left from XXXX XXXX saying to call back. Looked this new number up and people said it was from law offices of XXXX XXXX or National Management Recovery Corp as both have same address. I check mail everyday and I have NOT received anything in mail from either place as far as I'm aware so have no idea what it's for. I'm pretty sure that is required for people collecting debt is to send written letters in mail stating what the debt is, how much etc. The number they call is my only number but I don't answer calls that I don't know or don't know what they are for and in this case after finding out who they are I'm not going to answer and talk to someone about supposedly a debt that I have no written proof they have and have no idea what it is for. Have called several different times now. Don't want them to start calling other people that I don't live with.
I tried to refinance an existing mortgage with Santander Bank for a new mortgage with Santander Bank. I got my loan estimate on XXXX/XXXX/XXXX. I was told the process would be done by mid-XX/XX/XXXXat the latest. Due to some unexpected repairs of {$2000.00} each, as well as the fact I WAS ASSURED ON MULTIPLE OCCASIONS THAT THIS THING WOULD CLOSE BY MID-XX/XX/XXXX I stopped making mortgage payments on the original mortgage. Then, in mid-XX/XX/XXXXSantander reported negative information on this loan to all the credit agencies, thereby, ruining my credit and making it impossible for me to start the refinance process over at another bank. Then Santander 's collections department began calling me and threatening foreclosure, as well as mailings. I called and left messages with Santander When is the closing? Now I was assured just 1 more step, all is good, and we will close on XX/XX/XXXX. On XX/XX/XXXX I would get a call from the title company. No call on XX/XX/XXXX, I called title company, they said I was not cleared to close. I call/e-mail Santander again and it turns out the subordination request is not completed, but again, no problem should be done in 24 to 48 hours. Nothing happens over the Holidays. Now I am told the closing is scheduled for XX/XX/XXXX No closing happens. I call the Santander Consumer credit department and they say they need the original of a signed document from me and my wife and this normally takes 2 to 3 weeks. I put in a rush request with that department and spend {$25.00} dollars to overnight the original signatures on the document to this department, all the while trying to explain that, no, I am not an employee I am the customer trying to close on a loan before they foreclose on me. I am told on XX/XX/XXXX ( 71 days after the original loan estimate and agreement to proceed with this, 55 days after the appraisal was done and 42 days after I was assured this thing would close ) that " there is a problem ''. I then send an e-mail expressing my displeasure with all of this and am told the next day ( XX/XX/XXXX ) that, maybe, if we are lucky, the underwriters will approve the loan as long as I bring {$5500.00} to the closing table. I express my displeasure at being treated like that and am told the boss of the employee will call me later in the day. No call. Santander bank employees have lied to me all along the way and been dishonest. I have repeatedly done their jobs and tried to push the process along as best as I could. I wonder many things including but not limited to : Did n't the interest rate lock expire on XX/XX/XXXX? Why did I get a second loan estimate dated XX/XX/XXXX? Why am I repeatedly faxing the same documents over and over again? Why am I doing other peoples jobs? Unacceptable and probably illegal. My lawyer is looking into this.
The name of the debtor is XXXX XXXX XXXX and they have 5 negative marks on my credit that were suppose to remove due to legal action taken by the CFPB back in XXXX XXXX, I have never signed any loan agreements with XXXX XXXX XXXX but it states that XXXX XXXX XXXX placed the negative marks on my credit. I am still getting calls from XXXX XXXX trying to collect on this debt. Please see the copy of the order : CFPB Takes Action Against XXXX XXXX XXXX XXXX XXXX, XXXX XXXX for Illegal Student Loan Debt Collection Lawsuits All XXXX Loans Will Be Independently Audited, Companies Will Pay at Least {$21.00} XXXX and Stop Suing for Invalid or Unverified Debts XXXX XXXX, XXXX Share this Share on XXXX Share on Twitter Share on XXXX Share on email XXXX, D.C. The Consumer Financial Protection Bureau today took action against the XXXX XXXX XXXX XXXX XXXX and their debt collector, XXXX XXXX XXXX XXXX, for illegal student loan debt collection lawsuits. Consumers were sued for private student loan debt that the companies couldnt prove was owed or was too old to sue over. These lawsuits relied on the filing of false or misleading legal documents. The proposed judgment requires an independent audit of all XXXX student loans in the XXXX XXXX XXXX XXXX XXXX portfolio. It prohibits the XXXX XXXX XXXX XXXX XXXX, and any company they hire, from attempting to collect, reporting negative credit information, or filing lawsuits on any loan the audit shows is unverified or invalid. In addition, it requires the XXXX XXXX XXXX XXXX XXXX to pay at least {$19.00} XXXX, which includes initial redress to harmed consumers, relinquished funds to the Treasury, and a civil money penalty. Under a separate consent order, XXXX XXXX XXXX XXXX is ordered to pay a {$2.00} XXXX civil money penalty. 

The XXXX XXXX XXXX XXXX XXXX and their debt collector sued consumers for student loans they couldnt prove were owed and filed false and misleading affidavits in courts across the country, said CFPB XXXX XXXX XXXX. Were ordering them to pay at least {$21.00} XXXX, stopping them from filing illegal lawsuits, and requiring the trusts to thoroughly audit their loan portfolios to identify any other consumers who were harmed.
1. XXXX/XXXX/2016 : I wired money to a Citizens Bank account holder. The money was urgently needed. Mailing a check would be too slow. 
2. XXXX/XXXX/2016 : Citizens Bank acknowledged receipt of the money. The money is " lost ''. 
3. XX/XX/XXXX-XX/XX/2016 : Daily follow-up with Citizens Bank . Money is still " lost ''. 
4. XXXX/XXXX/2016 : Promised call from the Citizens Bank Office of the Chair by the end of the day was not received. 
5. XXXX/XXXX/2016 : Continue to be at an impass. The money is not available to me or the specified policy older. Citizens Bank is not willing to anything but continue looking. Day 8 and counting.
Bonded Adjust has a claim on my file for {$1700.00} since XX/XX/2011! i have been wondering why my credit is so bad and why i have n't been able to attain certain things that rely on credit and this is the major reason! i know this is from a XXXX XXXX i had and I 'm guessing its for the XXXX but at that time i was under my parents insurance being i was only XXXX. this has been on my credit for years and i had no clue about it this is absurd and is killing my credit. i am XXXX years old trying to start up my first business, take care of my family and this stupid medical debt coming from a broken Medical care system is crippling me and my family. please help me get this taken care of. thank you God bless
Over several years of service, Wells Fargo routinely added service fees to the " youth accounts '' of my children, even though these types of accounts are supposed to be free of charge while the youth account holder is under the age of XXXX, according to Wells Fargo advertisements and service agreements. On several occasions, I went to the back to have them reverse the charges. After a period of time, service charges were added to the youth account again and when the charges depleted the account, it was closed by the bank. When I called the service line for restitution, they put me on hold for 30 minutes and told me I needed to deal with the branch office. The branch office then told me I needed to call the service line. Since the account was removed from my online banking profile I can not access the information. I understand now from the news of Wells Fargo banking practices that this was part of a scheme and not an accident on the part of the banking software as they have tried to tell me.
A medical collection account keep reappearing on my credit report. I have no knowledge of this account and I did not sign a contract nor did I give anyone permission to give out my personal information. My only conclusion is this account may be from a workers comp claim from my employer, which I am not liable for, also all claims and bills for that claim was satisfied by workers compensation.
I went into Mega Value Furniture on XXXX/XXXX/XXXX to purchase furniture in the amount of {$4700.00} A handwritten order was completed that stated my terms were going to be 18 months interest free, however they presented me with a credit authorization slip to Citibank ( who I opened an account with in the store ) for 30.49 %. I started to sign the slip only completing the 1st two letters of my name XXXX and refused to execute the transaction due to the contradiction and wanted something more official than a handwritten contract that confirm my interest free terms. Against my better judgment I accepted the word of the sales representative and left the store waiting on something in writing from Citibank ; however when I received the letter from Citibank it stated my promotional terms were UNDER REVIEW and a DECISION whether they would honor them would be made within two billing cycles. 

I then went back to store after receiving this letter XXXX and demanded they cancel my order and REFUND ME in FULL. I followed this request with an email in writing because instead of them trying to honor my request they were busy trying to FORCE me to accept a verbal guarantee the terms would eventually be honored. 

To protect myself I disputed the {$700.00} with XXXX which they have refunded to me and the {$4000.00} with Citibank. Citibank has completed there research and sided with Mega Furniture although I DID NOT sign the credit authorization slip. 

Citibank finally agreed to the terms on XXXX/XXXX/XXXX but because of the unclear terms I had purchased my furniture with another store who I deemed far more trustworthy. I told them if they has simply given the information in writing from the onset this could have been avoided. They refused on three occasions to provide clear and concise terms, at purchase, when I returned to the store and after I disputed the transaction.
In late XX/XX/XXXX my wife and I changed wireless cell phone carriers from XXXX to another carrier. We agreed to pay an early termination fee of {$140.00} which we paid. 

On XX/XX/XXXX we received a collection letter from XXXX claiming we had a debt of {$140.00} to XXXX. My wife wrote to the collection agency and soon that company wrote back saying they were no longer pursuing payment on behalf of Verizon. In XX/XX/XXXX XXXX sent me a collection notice for {$140.00}. on behalf of XXXX. My wife asked them to provide validation of the debt. They wrote back to say they were no longer taking action against me. At this time XX/XX/XXXX McCarthy, Burgess , & Wolff collection agency is demanding XXXX be paid the same {$140.00} that we paid in XXXX. M, B, & W have placed an additional {$26.00} as a collection fee. I have dates and the amounts paid to XXXX for a full year and I can not find any thing that would disputes my claim, we do not owe XXXX any money for a debt that does not exist. I thank you for being a consumer financial protector and hearing my concerns. 
Respectfully, XXXX
The auto loan is currently XXXX days past due, and the finance company has begun to call references, and release sensitive information about the loan, and delinquency ( past due status, days past due, past due amount ) to these references. as of right now, it has been XXXX.
I had Two morgage back started in XXXX, in year XXXX we had issue in employment lost and burgary in house as a result we filed the application with XXXX  XXXX XXXX and received approval for six month payment hold however XXXX  XXXX XXXX reported the late payment and delay of 60 days and can't correct in all three credit bureau after send all paper work as a result we were able to correct in one or two credit report directly with credit report however we received denied credit due to issue not corrected by XXXX  XXXX XXXX and still face same issue just recently XXXX XXXX denied the store credit card due to this. 
In the past we lost one of case in court and received the judgement, XXXX XXXX XXXX paid the judgement directly from my checking account however never updated credit filed as a result we have to purchase 6.5 % interest loan as of today even if primary loan is now 3.5 but secondary load is still 6.5 % which bank never consolidated and it was keep do enquiry on the account. Many of our credit card credit limit from {$25000.00} to {$500.00}, we never carry any balance more than months.
XX/XX/2018 I sent money to my friend in New York by XXXX. 
Unfortunately the money I sent was exceeded New York State limit, therefore my friend could not pick up money I sent.XX/XX/XXXX& XXXX I called XXXX for refund, but they kept saying money is available for pick up, and my friend visited several times XXXX store to collect it, but he could not because exceeded State limit. Finally XX/XX/XXXX XXXX Customer Service told me my money will be refunded, then I went XX/XX/XXXX store where I originally sent money to friend and asked refund then XXXX  Customer Service tried to refund my money for two hours but XXXX system did not allow to refund by XXXX, finally XXXX told XXXX Customer service 36 hours cooling period for refund. 
Therefore today, XX/XX/XXXX I visited Walmart store for refund, so Walmart XXXX XXXX negotiated with XXXX, but I spent one hour same excuse another 36 hours, so come back Monday, XX/XX/XXXX. 
This is XXXX 's systematic extortion of general public. Clearly this XXXX business XXXX is conducting. This is why I filed complain to get help from CFPB in order to deal with Minnesota XXXX. 
Note : XXXX XXXX reference # XXXX, Refund reference # XXXX gave to XXXX  XXXX, this # is not working.
I have a hard credit inquiry from TD Auto Finance and I never signed anything giving them permission to run my credit.
I have a collection account on my account without my knowledge for a company I do n't even know. I start received some collections calls on my cellphone any hours a days. I want this calls to stop and the debt to be removed immediately for my credit reports.
When I declined the overdraft coverage for my account I never got a letter in the mail or any other notification to let me know that opting out of the overdraft coverage did not protect me from overdraft fees on reoccurring purchases. The bank, SunTrust bank, will not take responsibility for not notifying their customer and has decided to charge me for the fees that I opted out of anyway.
Background : I had a cheque for {$4100.00} issued to me, my wife and a 3rd party ( a medical provider ). I deposited the cheque XX/XX/2015 without any endorsements into our joint account ( wife and I ) at Chase. At the time I just didnt notice the 3rd party name on the cheque. I usually never endorse cheques anyways even when the clerk asks me to. My response is always to put whatever hold they need to on the funds. Clerk at Chase processed the cheque. Seemingly the issuing bank, XXXX XXXX, also processed the cheque and all was good until yesterday. 
Yesterday : Chase called me saying that they have received a claim against the cheque. They refused to provide any copy of the claim nor clearly state who issued the claim : XXXX XXXX, the Payer Party of the cheque or the 3rd Payee Party. They keep saying it is the 3rd party but I suspect it is XXXX on behalf of the Payor since the 3rd party is unlikely to have any business relationship with XXXX and XXXX wouldnt even give them the time of day. XXXX would only answer to the Payor entity that wrote the cheque in the first place. 
I suspect the Payor party is holding XXXX responsible for allegedly processing an allegedly improperly endorsed cheque and have asked XXXX to recover the funds. XXXX wanting to retain the business of their customer has after 1.5 years gone bank to Chase ( my bank ) to ask for the funds back. 
Chase has contacted me and informed me that they will return a third of the funds back to XXXX. I have asked them where did they come up with the figure of a XXXX. Their only explanation is since there were three parties on the cheque each one is entitled to a third. I have told them that if the claim that the cheque was improperly endorsed is valid and can be honored 1.5 years later then I would agree to them returning all the funds. I have warned that if they proceed and return only a third that would be illegal as it is not their place to decide who gets what nor are they in any position to know exactly how much of the funds the third party is entitled to or that he is even entitled to any of it. They are wanting to play judge and arbitrator. 
Questions : # 1 I need to know what the banking rules say regarding returning cheques. Can I cheque that has been cleared for a year and a half suddenly get returned? Is there a limit? They cant possibly be allowed to go back 10 years, so what do the rules say in that regard? 
# 2 if they are allowed to go back, do the rules allow a bank to request a return based on an issue ( in this case missing endorsement ) which they had ample time to process and catch the error a long time ago and did not, or decided not to, or for whatever reason they did not decide to act until a year and half has passed. 
# 3 Can a bank ( in this case my bank Chase ) process the return request ( assuming XXXX is indeed allowed to request returns even after a year and half ) by sending back only a fraction of the funds? 
Conclusion : I need to know the rules and my rights in this situation. Once I know them, I will contact you for assistance as what should happen next. 
Sincerely XXXX XXXX
XX/XX/XXXX till now which is XX/XX/XXXX they are taking out XXXX a month to help me pay my school loans. Which they aren't I have talk to my school loans and they have said if I paid someone to help which it would be a scam.
I have had repeated problems with Volkswagen processing my state registration and XXXX personal property tax payments. In the past, I have submitted a complaint to the CFPB about Volkswagen 's unfair practices with respect to collecting and remitting personal property tax payments. 

I moved to XXXX XXXX from XXXX XXXX in XXXX. I registered my leased VW in XXXX  effective XX/XX/XXXX. VW charged me around {$50.00} to process my title paperwork. They did not disclose these fees to me. They simply tacked them on to my next month 's statement. Given that they charged me to process my paperwork, they should know that my car is registered in XXXX. 

Despite the fact that my car was registered in Pennsylvania, VW paid my XXXXXXXX XXXX personal property tax through XX/XX/XXXX. This means they overpaid my property tax by over 6 months. I was charged an additional {$530.00} on my XX/XX/XXXX statement for the Property/Excise tax. Because I am registered in auto-payments, this amount ( in addition ) to my monthly payment was sucked out of my account on my normal payment date. VW should have realized based on processing my title work that my car was not garaged in XXXX or registered in XXXX from XX/XX/XXXX to XX/XX/XXXX. As a result, I was overbilled by roughly {$300.00}. 

When I contacted VW, their customer service agent confirmed that my personal property tax was paid through XX/XX/XXXX. When I told her that I no longer lived in XXXX and had not for over half the year, she told me that I had to submit a registration card to prove that I no longer lived in XXXX. It is UNFAIR and DECEPTIVE for VW to charge me me when they knew I did not live in XXXX Additionally, it 's UNFAIR that as a consumer that I need to proactively contact VW to tell them that they overbilled me. They should have contacted me and told me to submit a proof of registration if they needed one prior to processing my personal property tax payment. It 's DECEPTIVE because they do n't tell you how to recover your money after they overcharge you until contact them.
I checked my XXXX XXXX about a month ago and saw that i had a $ XXXX XXXX bill that said it was closed. I've never had service with XXXX ever in my life ... i attempted to call them on multiple occasions and they just hang up on me. I also have a police report. The XXXX XXXX police department told me they can't give me a physical copy but a case number and to call for any questions.
Dear Sir/Madam, I recently received a copy of my XXXX and Equifax credit reports and I notice there is an unauthorized and unrecognized credit inquiry made by XXXX and Equifax creditors. As far as i knew I do not recall authorizing this credit inquiry and I understand they shouldn't be allowed to put an inquiry on my file unless I have authorized it.

If they find I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed.

If they find that I am in error, then send me proof of this. I think i got victom of their inquiries issues.

Here 's the list of the inquires : 1- ( XXXX  report ) XXXX XXXX XXXX Inquired on XX/XX/XXXX 2- ( XXXX  report ) XXXX XXXX XXXX Inquired on XX/XX/XXXX 3- ( XXXX report ) XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX 4- ( XXXX  report ) XXXX Inquired on XX/XX/XXXX5- ( equifax report ) XXXX XXXX Inquired onXX/XX/XXXX 6- ( equifax report ) XXXX XXXX XXXX Inquired onXX/XX/XXXX 7- ( equifax report ) XXXX XXXX XXXX Inquired on XX/XX/XXXX8- ( equifax report ) XXXX XXXX Inquired onXX/XX/XXXX 9- ( equifax report ) XXXX XXXX Inquired onXX/XX/XXXX 10- ( equifax report ) XXXX XXXX Inquired on XX/XX/XXXX 11- ( equifax report ) XXXX Inquired on XX/XX/XXXX
I apply for secured discover credit card on XX/XX/XXXX. I was approved for the line of credit, however I received a duplicate inquiry on my Equifax credit report dated XX/XX/XXXX. I disputed this duplicate inquiry with the credit bureau several times and was unable to get it remove as it is inaccurately reporting on my credit report. I also contacted discover on several occasions and the issue was finally acknowledge almost a year later on XX/XX/XXXX but the duplicate inquiry still remains on my XXXX credit report to this day. I would like the duplicate inquiries deleted from my XXXX credit report.