WillisBack/dataset-financial-user-claim huggingface dataset:
I repaid the debt for rent in XX/XX/XXXX. Now they're trying to collect liquidated damages -- XX/XX/XXXX. When I submitted proof to the court XX/XX/XXXX that I'd be out of town taking a XXXX XXXX XXXX in California in XX/XX/XXXX, I heard nothing until today, XX/XX/XXXX, I received a letter addressed to my job instead of my XXXX XXXX , which the court had sent notice XX/XX/XXXX, that I am due for trial XX/XX/XXXX. 

I had called the collection agency -- Quality Recovery Services -- what monies did they mean, they told me for liquidated damages for breaking the lease. I explained to them I was a crime victim and the roommate had stolen from me. I had not deliberately broken the lease. Now they're trying to ruin me by dragging me to court again and getting more money. This is abuse of the process. Liquidated damages are for losses, but not to be punitive. When I repaid them through garnishment, not only did they take {$300.00} every two weeks, they lost track of the payments. Fortunately my boss had kept a record. We were almost double charged. I have a real estate license now, and this is affecting my profession and my job. This needs to stop.
I have sent copies of documentation that I have had the same STUDENT LOAN since 1990. It 's just that my student loan has been bought by other Banks and Consolidated. 

I am requesting that my loan be registered of having the LOAN since 1990 from its original date that is started since its still the same loan just being bought out and merged.
My credit report shows a lot of accounts that were opened as a result of someone applying under my name and credit information. I called Chase several times to report this crime but they have not closed this fraudulent account. In addition, I have provided them with a police report, yet they continue to still leave this account open, enhancing new opportunities for more fraud.
Hired merchant for house work XX/XX/XXXX. Paid 50 % ( {$1500.00} ) deposit and 50 % ( {$1500.00} ) after completion of work with XXXX anywhere Citi visa. Few weeks later ( early XXXX ) we noticed the merchant did not resolve the issue they were hired to do and in fact worsened the condition of our home. Went back to merchant and asked for money back so they we could hire another company to re-do the work. Company offered only a 50 % refund for the issue and would only make monthly installment payments over the course of 1 year. As we didnt feel this was a fair solution to the consumer, we contacted Citibank to dispute the initial charges. 

Citi initially issued conditional credit for both the charges. They reached out to merchant, weeks later the merchant provided response and Citi immediately reversed the credit they had granted on our account. When I contacted Citi,  they stated that whenever merchant provides response, they consider the issue resolved but will go back to merchant again if you provide additional paperwork. I then submitted their requested information ( XX/XX/XXXX ) and waited a few weeks to hear back again. Eventually, the merchant responded back again and Citi agreed to credit back one of the charges. I then again reached out to Citi to ask about the status of the secondary charge since it looks like they agreed that funds were due back to consumer as the merchant didnt perform hired service ; and I asked if any additional information was needed from my end to close the dispute. Citi agent stated they had everything and that they were waiting to hear back from visa. I called a second time and said that a resolution should be issued soon. About a week letter I received email that the second claim was denied due to not receiving requested documents. I called Citi once again and asked about it. The agent confirmed they had the documents in file and then noted that one document was missing a signature. She suggested that I scan get document to Citi immediately and explain the situation. I sent the email as requested that same day ( XX/XX/XXXX ). A week later, I got another email that the claim was still denied and that they couldnt do anything because the date had passed. 

The reason for this complaint is for the following reasons : 1 ) the merchant didnt perform job as hired which entitles consumer the funds back 2 ) Citi acknowledges that they agree with this states in that they credited back half of the charge but failed to credit back the second half 3 ) consumer ( myself ) provided documents as requested and followed up with Citi several times and was assured that they had everything they needed in order to process dispute and wasnt made aware of missing signature until after Citis documentation deadline 4 ) overall Citi failed to protect consumer against dishonorable company. 

**images, email communications with Citi and merchant can all be provided upon request.
Continues to attempt to collect debt. Refuses to allow proper validation of debt. When trying to dispute they have an auto message that populates which means they are not even looking into my information. Stated payment arrangement was made, I requested recording of such arrangement be sent to CFPB and BBB as well as myself of date that payment arrangement was made. They stated sent certified letter asked them who signed letter as it was not myself. I want signature sent to CFPB. I want original documents and signatures made from myself binding me to a contract with AAS Debt Recovery Inc, as no contract exists to my knowledge. I 'm a XXXX veteran and getting taken advantage of by this debt collection agency who do n't even care enough to hear my disputes. So glad to have fought for someone 's freedom to rip off and misrepresent to others so your welcome for that freedom.
I am a victim of identity theft, after reporting the fraud to the police I then put the Fraud warning on all 3 credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX Those dates are : 1. XX/XX/2017
or the last few weeks I 've been receiving phone calls between XXXX : -XXXX in my timezone as I am living in XXXX and I explained this to them repeated that it was waking up my XXXX wife and causing XXXX. Every time the caller was abusive, threatening to serve me with papers, have me arrested for failure to appear, calling me names like dead beat even after I confirmed it was not me be verifying the last XXXX of my social. An earlier company said it was a debt from Bank one from 2011 and I had not done business with them during this time. I simply asked them to quit calling and they refused. They would make a threat and then hang up. I continued to ask who they were, any informaton they are required to give you and everytime they refused. I would call back and they would hang up repeatedly even when I would ask to speak to a supervisor. It 's hard to discribe the language she ( XXXX ) used every time she would call me or I would return her call. Finally tonight I was able to get the companies full name in order to file a complaint when another agent answered. This is not my debt and every time I register a new phone number the calls continue to my cell phone thorough skype to china. Once she insisted that I confirmed it was my debt when I clearly did not and threathen me again. I do n't know the exact number of calls this week but I 've talked to them over a dozen times and she said plainly they will not stop until the guy is caught so clearly she knows it 's not my debt.
The issue is with Capital One Bank ( USA ), N.A. and their recently acquired Cabelas 's CLUB Visa card. Unfortunately, I was unable to make my minimum payment. The account was 60 days past due. I made a more than minimum amount payment on my next due date, bringing the account current and reducing the balance to a level below the credit limit. Unbeknownst to me, my account had been cancelled and closed ( pending payoff the remaining balance ) on XX/XX/XXXX. I received this written correspondence after making the payment.

In reviewing my documentation, my account statement dated XX/XX/XXXX made no mention nor offered any warning of possible account closure. I received no other correspondence.

Not only does this mean that the account is no longer available to me to use, but my overall available credit will now be reduced as well, which will negatively impact my credit score. This will likely lead to adverse consequences with other credit accounts as well. In addition, Capital One states that my Cabela 's CLUB points ( loyalty rewards totally {$31.00} ) are forfeited.

I reached out to Capital One to discuss this matter. I spoke with front-line account & credit desk representatives who, while courteous & professional, provided no new information nor offered any progressive action or offered any recourse available to me ; they did mention that I can request my loyalty/shopping rewards via a gift card once the account balance is paid off. In other words, they are holding already earned rewards for ransom of the account balance. Were the account open, these rewards could be utilized at any time. This is not only poor customer service, but an unfair practice given that CLUB points can be earned & redeemed without a Visa card.

I also spoke with a credit supervisor who was polite but rather flippant. When I asked why no warning was provided, she simply stated that such information would not provided with an account statement. She also stated that such reviews happen at the end of the month, regardless of billing cycles. First of all, XX/XX/XXXX was not the end of the business month. Secondly, if the company can make decisions in-between statement dates without notice, the cardholder is at a distinct disadvantage. This overall lack of information means that the company and the cardholder are not playing by the same set of rules.

Finally, the supervisor informed me that the account had been sent to a collection agency, XXXX. I received no correspondence from this company and have not dealt with them. It seems that Capital One sought to abdicate their responsibility for appropriate customer service and to ensure that cardholders are not given the opportunity to effectively deal with challenges relating to their accounts.

I have had financial difficulties before and never once had these type of actions taken on this account when it was owned by XXXX XXXX XXXX XXXX. The card business transfer has not been a positive shift for this consumer.
We missed our XX/XX/XXXX payment, but made XX/XX/XXXX, XX/XX/XXXXr, andXX/XX/XXXX payments within 30 days of due date. On XX/XX/XXXX we paid all late fees and theXX/XX/XXXX payment to a XXXX   balance. In XX/XX/XXXX the credit report did not show these payments as late. Now that we have paid them in full, they reported that we were late for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX plus the late fees. We called XXXX to try to resolve and was told by XXXX XXXX in the Executive Office of Support that this is our problem and when I told him I would be contacting your agency he told me You can threaten me, but it doesnt change the fact you were late. We have the right to report it however we want. However, it was NOT reported as multiple late payments until we became current. He disconnected and refused further assistance.
I purchased a vehicle from XXXX XXXX XXXX in XXXX AL XX/XX/XXXX. I financed the vehicle with Chrysler Capital. I later joined the XXXX. XX/XX/XXXX and requested that the interest rate be reduced under XXXX XXXX App XXXX. They agreed to reduce the interest rate but no longer reported my payments on my credit report. In fact the purchase did not show up at all. When I tried to trade in the XXXX Jeep Wrangler I learned that I had no credit history. No one would accept my trade because there was no record of my having purchased the vehicle and made payments for over a year. Under section 518 of the SCRA a creditor may not take negative action based solely upon my use of my benefits under the SCRA. The act of not reporting my credit is almost if not as harmful as reporting negative credit as it means that I have no credit history. This is a penalty imposed on me by Chrysler Capital.
I obtained my credit report and discovered multiple errors with accounts from  XXXX   XXXX   XXXX   XXXX  stating I owe {$590.00} and {$690.00}. I sent a certified letter to the company asking for VERIFICATION but the company did not provide any documentation to me. Neither did Transunion,  XXXX , and  XXXX  disputed these bogus accounts. There is no account numbers associated with these accounts.
On Thursday XXXX XXXX, 2015 I went to SunTrust Bank, the branch located at XXXX XXXX XXXX in XXXX, Florida. I opened a new account. Included in my itnitial deposit was a check in the amount of {$10000.00} and cash in the amount of {$2000.00}. The cash amount was broken and deposit was made into checking {$1900.00} and savings {$100.00}. I left the bank and returned the next day on XXXX/XXXX/2015 to withdraw {$1400.00} to pay some bills. I was told at this time my money had been frozen and I could not have access to my cash funds. The bank representative XXXX XXXX told me the check looked funny and they suspected to have an issue with the check. It would take 5 to 15 days for the bank to review my account. The cash money the bank held and is still holding todays date XXXX/XXXX/2015 was my monthly income to pay my bills with and to purchase gas for my car and groceries. I tried to call SunTrust Bank on Monday XXXX/XXXX/2015 to find out the status of my money. I could not get through to the bank calling the number I had been provided. I called the local phone company operator to help me with getting me through to the number. i was informed that both my home phone number and my cell number had been blocked at the account holders request. SunTrust bank allowed an employee to block my calls when they were holding my funds and would not give me access to my cash deposit. I am enclosing the notice of hold dated XXXX/XXXX/2015 that gives the reason the hold was placed on my deposit. Code XXXX states deposit exceeds clients average balance. This is a fabrication as I did not have an average balance, this was a new account. Also the notice advises my funds will be available on XXXX/XXXX/2015. This letter is dated XXXX/XXXX/2015. I did not receive this letter until XXXX/XXXX/2015 almost a week later. The next correspondence dated XXXX/XXXX/2015 received on XXXX/XXXX/2015 states my funds will be returned to me within 5 business days. 5 business days would be XXXX/XXXX/2015. As of todays date XXXX/XXXX/2015, 10 days later, still no funds. My health insurance is being terminated, my electric is due to be cut off. i have no food in the house. 

Yesterdays date XXXX/XXXX/2015 I again tried to reach SunTrust bank regarding the status of my funds. For a period of XXXX and XXXX half hours i was transferred to XXXX different people. None of the XXXX people could tell me when I would be getting my money. I want my money or a good reason my cash funds are being held and reviewed. 
I would appreciate help in gaining my money back from this bank. Do I have any recourse to recover for any damage caused by this unreasonable delay in allowing me to have my money. Also is SunTrust responsible to pay me interest on these withheld funds?
I pulled my credit report and discovered a bill from XXXX which was sent to collection, Enhance Recovery Company. The bill was for $ XXXX contacted ERC and we agreed for a settlement of {$190.00} but I was charged for {$210.00}. 

However, they promised to send a settlement in full letter upon payment but what I recieved was not a settlement in full payment because the letter purports that " Please note, that although your account was settled, it will reflect a remaining balance with XXXX. " Clearly, this is not a Settlement in full letter.
I have be using Coinbase and XXXX for cryptocurrency Investments, however on XX/XX/XXXX my account got " disabled '' for an unknown reason, I have tried contacting support multiple times since then but still have not gotten an answer or a solution. I have access to my coinbase account, however my money is all kept on XXXX   which is owned by coinbase, when I try to log in it tells me that I need to contact support, but I get no answer from them. The account has over 8000 dollars in it and also some cryptocurrency of a value of more than 1000 dollars. I need to be able to access my XXXX  or have all my assets in XXXX  transferred to coinbase for me to withdraw them.
On XX/XX/XXXX, I contacted USAA to close my credit card account with a credit limit of XXXX revolving limit. Upon pulling my credit report on XX/XX/XXXX I was shocked to find the account still active. When contacting the organization, there is no answer to why it is still open. Nine months of thinking my account is closed, and there is XXXX now sitting out there as revolving credit. 

I feel this misstep, failure to close, or failure to listen to the customer not only benefited the company ; but placed a negative impact on my credit worthiness. According to my USAA website, thru XXXX, one of the four factors lowering my credit score was, " Your largest credit limit on open bankcard or revolving accounts is too low - XXXX accounts include credit cards and charge cards from a bank and are frequently revolving accounts. Revolving accounts allow you to carry a balance and your monthly payment will vary, based on the amount of your balance. The largest credit limit among all the open bankcard or revolving accounts in your credit file is low. Having higher limits gives you access to credit without seeking new loans or becoming overextended - which are triggers for higher risk. '' This reflects the card I thought was closed. Currently my credit report states {$45000.00} of credit, approximately 45.2 % of that is USAA 's card. 

This lack of accountability and systems that provide for customer protection and service is incredible. As a 26 year member of USAA, these actions only demonstrate their lack of compassion for loyalty. I request a written response to this, specifically laying out the failures within USAA. While I do not think I am the only one this failure happened to, I would be interested in how many accounts were delayed or failed to be closed that benefited USAA? This borders on fraudulent accounts utilized for increasing profits for the organization at the expense of the customer, in my opinion. 

Also, I filed a written complaint in XX/XX/XXXX against previous banking processes. I would like to know if this 'failure ' was repercussion for speaking out? Thank you for your time.
My business has declined in the last two months, XXXX of my business accounts have been overdrawn for a couple weeks I spoke to a banker over the phone and explained my situation to them and gave them a date when I can bring the account current. My other business account with them had only {$1400.00} they withdrew money out of that account and put the money in the account that is negative, now both accounts are negative. All the money the business had was pulled out. Not only will I start being charged for the account that was already but now I have XXXX accounts negative. I understand they can offset an account but how can they offset the account and bring both accounts in the negative?
I have disputed balances and payments along with documents mailed and faxed as directed. I mailed my social security card alone with my drivers lincense along with faxing XXXX pages over to all XXXX agencies. Equifax will not removed depts that have been paid, reporting higher use of credit then actually used and also states my age and sex as well as other agency, I paid off my car loan and sent documents that clearly disputed the 24 payments that they keep reporting and using not to raise my credit score lowering each month right now at XXXX, I have paid or disputed every dept on my report over that past year and now they are using the auto loan that was paid in full XXXX/XXXX/XXXX againt me as of XXXX XXXX XXXX.
Doing my annual check of my credit. Went to FTC and then XXXX Credit report. Successfully downloaded from XXXX bureaus : XXXX and XXXX. Having a lot of problem getting a report from Experian. I tried several times online. Got their XXXX # and called them several times and went thru all the choices. The only way is to pay. I called back XXXX to see if they had another number for Experian ( they were kind enough to give me a different number ). I called this other number and same as the first XXXX I called. Not able to order the free credit report. Only way is to pay. Not able to order the report via phone. Not able to talk to anyone. I called CFPB and they gave me a XXXX to order free credit report via phone. I did order for Experian, I am not sure if I am going to get it ( takes 15 days ). The reason I am writing this is, the lousy service and may be not being able to access of my credit report from Experian like the other XXXX bureaus gave me. Experian should look into the system to provide the report easily like the other XXXX bureaus. Experian is the only bureau that does not provide a human being for the phone service. Horrible service!
On XXXX XXXX 2015 I submitted a {$1200.00} payment to my XXXX XXXX XXXX XXXX credit card, through the online banking service of my Bank of America checking account. 
As of XXXX XXXX, despite XXXX lengthy telephone calls ( starting XXXX XXXX ) to multiple departments at both institutions, the payment has not been credited. XXXX states their credit card department did not receive the credit ( which BofA sent electronically ), Bank of America states they sent the funds but XXXX does not want to acknowledge it. 
I have been unable to obtain ANY documentation inherent the transaction, ex. what institution, routing code, corporate receivable account, batch reference tracer code, etc. nor a written acknowledgement of my claim by either of the XXXX institutions. This despite my repeated requests for formal acknowledgement. During the multiple conversations I understood that the payment, which I had instructed BofA to send to XXXX post office box, was processed electronically and sent to XXXX as the processor for XXXX. 
On XXXX XXXX I was " conferenced in '' with representatives of XXXX financial institutions, BofA Escalation Team and XXXX Claims, who promised to " investigate '' but refused to supply any information.
Good afternoon, Wells Fargo is denying to remove forced placed insurance after showing proof of Insurance in XX/XX/XXXX. This insurance was placed by XXXX XXXX because according to Wells Fargo they sent letters to request proof of insurance and there was never a response Regarding this issue. Also Wells Fargo has no proof that the proof of Insurance was not submitted. I was never aware or never received proof of an insurance premium being purchased on my behalf in XXXX. 
The contact phone number for Wells Fargo is XXXX XXXX XXXX Thank you for you interest regarding this matter. 

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