WillisBack/dataset-financial-user-claim huggingface dataset:
Around XX/XX/XXXX-XX/XX/XXXX i made a big mistake & borrowed from a couple of pay day loans. They were paid back and over a period of time requested me to re borrow. Unfortunately, shortly afterwards, I started receiving calls from different people with heavy XXXX accents requesting money. At first, i thought they were from the same company i had paid off since it was done on line. Unfortunately, I did not realize until someone called saying i still owed on my pay day loan. As soon as I pay another person would call threatening me for payment. Once asked for what loan, they would just for a pay day loan and I was going to be arrested. There has been times, money was taking from my account without authorization. Once I realized what was going on, I went into my bank. The bank inform me to be careful because they have seen this happen to other customers in the past. It was suggested to make a hold on my account. Prior to me realizing what was going on, I even purchased prepaid cards to avoid problems and overdrafts to my account. I realized my information was given out to other company 's through the web because before I knew it, there were several lenders claiming i owe them. At this time, I started hearing about more and more people getting scammed. Therefore, I went to the police department and filed a complaint. I gave the names and numbers of different representatives. I was embarrased and was told I should have never borrow that way and especially sharing my information on the web. Unfortunately, I had gone through a separation and was in a financial dilema. However, I was advised to close my accounts and be careful with the internet. I admit during that time, I was not that familiar with how the internet worked. I called credit bureau 's and put security freeze/fraud alert on my accounts as advised. To date, it still remains. I feel it is time to take action because about 3 weeks ago I just received a call from Concord Resolution who now say {$480.00} is owed and they represent the company that got me the loan in XX/XX/XXXX or XX/XX/XXXX. They claim since my account was closed they could not collect. Again, this is strange because why i have to pay a company who got me a loan for what I borrowed when fees are already included. Lord in behold, XX/XX/XXXX, a call from a XXXX XXXX who represent a company say {$500.00} is due. I truly want to stop this because i spent a few thousands in the past. I plan to retire and can not redo this XXXX again. It effected emotionally and financially as well. Continental representative could not give me the name or the address of the company. I will look back and give names & phone numbers I guess when needed. I have so many names & numbers until it is confusing and very stressful to me. I would never borrowed in this manner and not pay what i owe. Please help me.
Midland credit management, Inc. ( MCM ) is a debt collection agency that states that i owe XXXX {$810.00}. This debt that i supposedly owe according to their records is false. This information has never appeared on my credit history or credit reports and I 've never had XXXX service, ever in my lifetime.
i have been with us bank for years with XXXX. card. On XX/XX/XXXX i stayed in NH XXXX there was no hot water at XXXX on XX/XX/XXXX i reported it immediately. 
nothing but excuses reports to BBB have just said we are sorry i request refund its ignored. I do not like that its possible you will give me a problem about this. by XXXX XX/XX/XXXX i was leaving and that is when it was discovered. there was nothing more for me to do. i want and am entitled to a refund without a problem i dont like getting a letter saying it may not be successful it better be. 
i am not paying it. XXXX would have already credited it.
I paid my credit card bill in full three days after the due date. I was charged interest, and then paid the next month 's bill in full before the due date. However, I was charged interest a second time despite having paid the balance in full twice.
I have been a customer at Chase for years in good standing. The joint account owner on my checking account is my mother, who has been with Chase since they acquired Bank One. Due to my employment status and job change, there have been times at the end of the payment cycle where money was deposited but showing " pending. '' Other times money was put in there after XXXX EST, but still before the end of day, and subsequent fees have been charges. There are many examples I can show, where even though my account was overdrawn by {$1.00} on a pending transaction, they charged a fee for items that were " pending '' and changed to " posted. '' Since XXXX 2015 I have paid approximately $ XXXX in overdraft fees. I find this excessive and ask for leniency.
I XXXX XXXX XXXXXXXX XXXX., was looking earn some extra cash and a company name XXXX XXXX XXXX. So, for me to advertise there logo there willing to pay for both of my vehicles .They sent me check, I waited 3to 4 days to clear at PnC bank in XXXX XXXXXXXX XXXX nj.i spent some monies by second was told check had no funding. So I called the XXXXXXXX XXXX XXXX XXXX XXXX., and was told that no one ever contacted them.if they would 've been contacted, they would 've know the check was fraudulent check and this would not had happen. An P.n.c. bank is charging me for the entire check.why I 'm I responsible when it 's there job to clear the check.i do n't work at the bank.thanks in advance for prompt assistance in this situation. Sincerely XXXX XXXX.
My auto loan is with Wells Fargo Dealer Services since XX/XX/XXXX. The loan is almost paid in full. Please note, I have not worked much in XX/XX/XXXX due to a job related injury that I was not compensated for. However, I have always kept Wells Fargo informed if I had to pay late. I have noticed that after paying the interest, they never lowered the principal. I have asked through the years for reports showing my payments. I have paid late at times, but never defaulted beyond a 30 day period. I have paid every month and lately I have paid more than once a month since I went back to work recently. My balance was {$1000.00} in XX/XX/XXXX. I have 2 letters threatening me of action for default. One dated XX/XX/XXXX and the other dated XX/XX/XXXX. I also was sent an invoice dated XX/XX/XXXX, showing a <higher> final balance of {$1400.00}. {$420.00} over the {$1000.00} balance they previously said I owed. I have received a XX/XX/XXXX dated invoice showing I now owe {$1400.00}. I made 2 payments, one in the  amount of {$350.00} and the other {$350.00}. I also noticed they have charged me {$360.00} in late fees on their invoice. Through the years they consistently charged me hundreds of dollars in late fees which I feel is illegal. I have phone records showing where they have called me XXXX and 4 times a day for through the years. They continue to send my deceased mother invoices and letters as well even after I gave them her death certificate when she passed n XX/XX/XXXX. How is this all legal ... .especially when I never went past 30 days late? Now they are still trying to bilk more fees and avoid my paying the loan off by raising the amount due because of their illegal fees. I want this investigated, I have reported them to the credit bureau because they have ruined my credit rating, and I intend on pursuing this through an attorney. Their abuse of customers needs to stop.
THIS IS I REGARDS TO PREVIOUS COMPLAINT # XXXX CFPB CLOSED THE COMPLAINT BUT WHY? IT IS NOT COMPLETE. STILL HAVE YET TO HEAR FROM TRANSUNION ABOUT THOSE 3 STUDENT LOAN ACCOUNTS. XXXX AND XXXX REMOVED ALL 3 ACCOUNTS YET THEIR STATUS ON HERE IS STILL SAYING " OPEN '' AND THEY BOTH SENT ME AN UPDATED COPY OF MY REPORT SHOWING THEY WERE ALL REMOVED BUT TRANSUNION HAVE YET TO SEND ME ANYTHING. THEY NEED TO GET THIS DONE I HAVE DISPUTED THIS 3 TIMES SINCE XX/XX/XXXX. XX/XX/XXXX WAS THE 2ND DISPUTE. NOW TRANSUNION IS SAYING XXXX XXXX HAS UNTIL XX/XX/XXXX LIKE CMON THIS HAS TAKEN WELL OVER 60 DAYS. THE ALLOTTED TIME. THIS COMPLAINT SHOULD STILL BE OPEN OR THE ACCOUNTS NEED REMOVED. I SENT THIS COMPLAINT IN XX/XX/XXXX THEY TRIED TO SAY THEY DIDNT UNDERSTAND IT. SO I DID IT AGAIN XX/XX/XXXX ON CFPB RECORD XXXX. YET YOU HAVE IT CLOSED BUT WHY??????
My SSN, DOB, full address, and potentially DL and credit card numbers were stolen from Equifax via an easily patchable security flaw, along with the information of 143 million other Americans. This is obvious negligence, and no such company should be allowed to conduct such sensitive business in the USA.
I am filing this complaint agai nst US Bank Corporation. I h ad an account with this bank. I was never contacted that there was an issue with the account. The bank reported me to chexsytems before contacting me and allowing me to resolve the problem.
I filed a dispute through XXXX, XXXX, and XXXX  to receive physical verification of my original instrument of indebtedness via certified US mail on XX/XX/2018. I received an electronic response from XXXX   XX/XX/18 through my credit monitoring account that this account has been updated without sending me any physical verification. Credit Acceptance has placed erroneous late payments, an inaccurate account status, and an inaccurate loan balance on my XXXX  credit report. XXXX has asked me electronically " why I want to dispute this account '' electronically when I specifically told them I want all correspondence to be by US mail. The question also makes no sense as I already told them why I was disputing this in the letter that I sent : " According to the Fair Credit Reporting Act ( hereafter referred to as " FCRA '' ), Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
Therefore, I am demanding to see Verifiable Proof ( an original Consumer Contract, or MPN with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Please also remove all non-account holding inquiries over 30 days old. ''
I graduated with my XXXX in XXXX XXXX in XXXX XXXX and have been working in XXXX since my graduation. I expected after my first 10 years of working, my school loans would be forgiven under the Public Service Loan Forgiveness Program. I consolidated my loans through Navient and paid {$1000.00} - {$1000.00} a month starting XXXX XXXX and was never late on any payment. I overpaid on student loans and should be 3 1/2 years into the proper repayment plan to be considered for Public Service Loan Forgiveness Plan. 

I was told multiple times before XXXX not to turn in my PSLF Employment Certification Form unless I changed jobs because there was no need to do anything. In XXXX XXXX, I turned in the PSLF Employment Certification because I changed jobs in XXXX XXXX and I wanted my ex-employer 's form to be in the system. For the first time ever, I was told by Navient that my loans should be serviced by XXXX if I was doing PSLF, even though I had spoken with them about it on several occasions. For the first time, I was also told that I was in the wrong plan. I was told by a Navient representative that I should be on an income-based plan and my payment would actually be more than {$300.00} lower a month. 
In XXXX, XXXX, I transferred to XXXX and I was placed on an income-based plan. I now pay {$720.00} a month. 
I have documents showing that I was in the 10 year repayment plan and I was told multiple times that I was in the 10 year standard re-payment plan which would have still made me eligible for Public Service Loan Forgiveness. I was told by Navient that the income- based plan was a much higher amount, which I could not afford. This did not make sense to me but I was told that my representatives from Navient so I believed them, and I was told that I was in a proper repayment plan for PSLF. However, XXXX is now saying that I was in the wrong plan and wo n't give me credit from XXXX for my Public Service and payments, even though I was making less back then and paying {$300.00} more a month than I pay now. I have documentation from, XXXX XXXX, XXXX, showing that I was in the 10 year plan. 

I over paid my student loans by over {$3600.00} a year because of Navient 's misrepresentations to me since I would have qualified for an income-based plan. Also, my Public service should have been counted from XXXX, regardless of what payment plan Navient placed me in because I paid more than my current income-based plan, and I was told and have documents showing that I was in a proper payment plan for PSLF. 
My wife also had a similar experience with Navient and is filing her own complaint.
I am applying for a repayment plan for my mortgage, and the mortgage company and I do not agree on some fees that have been tacked on. As of now, I am 18 months delinquent. The monthly payment is {$320.00} x 18 months = {$5900.00}. Carrington mortgage says I owe {$6900.00}. I understand that there will be late fees.   In  XXXX   XXXX  there was {$450.00} lawyer fees, in  XXXX   XXXX , there was another {$250.00} I do n't understand how I could owe these fees.  Carrington  told me that the fees were all waived. This is the  5th  time I have sent in a request for a repayment plan since  XXXX   XXXX , when they refused my payment and started foreclosure proceedings.
TOD AYS DATE: XX/XX/XXXX    XXXX   XXXX   XXXX   SOC SEC #  XXXX  DOB  XX/XX/XXXX  ADDRESS   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , FL  XXXX  I.C. SYSTEM INC.    Your company have violated FCR  A 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.     The reference items are listed below please take this matter very serious I.C. SYSTEM INC.   I have report your company to  consumerfinance.gov  As a form of record and I am prepare to sue your company  Example In re   XXXX   XXXX   XXXX   XXXX   Telephone Consumer Protection Act Litigation, Case No.   XXXX  , in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report TODAYS DATE:  XXXX       XXXX   XXXX   XXXX    SOC SEC #  XXXX  DOB  XX/XX/XXXX  ADDRESS   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , FL  XXXX
I am an attorney representing a client on a probate estate for her late husband in XXXX XXXX County, Missouri. We were referred to by the Office of the Comptroller of Currency to file a complaint with this agency. 

My client previously obtained a probate court judgment - known under Missouri law as an " Order of Refusal of Letters to Surviving Spouse '' - therein awarding my client her husband 's  mortgaged home. This judgment was recorded with the XXXX XXXX County Recorder of Deeds, and pursuant to Missouri law, title to the home was transferred to her. 

She has attempted to complete a Successor in Interest transfer of the underlying mortgage with US Bank for over a year now. US Bank continues to send my client an identical stock letter requesting that she send in a copy of the most recently recorded deed, to complete the Potential Successor in Interest process. We have sent the aforesaid recorded probate judgment to US Bank on numerous occasions. They continue to fail to recognize or acknowledge that the judgment has been recorded and title to the property has been conveyed to Ms. XXXX by operation of law. There is no other recorded deed which we can provide. To date, we have received the identical letter five times now.
Hi I have a problem with a online merchant about the service they provide. I filed my dispute with CITI bank, but they believe the evident that I provide are only good for a legal case ( since it's a merchant violation of contract ). Citi bank don't think they can chargeback the merchant for a legal case. In that case. I am writing a complaint here and hopefully I can get some legal documentation to push this dispute to the arbitration. 

Please see attachments I provide below.
I am not a 100 % sure. But if credit can only be reported for XXXX years, then time is up on this account it 's been XXXX years.
on  XXXX   XXXX  i suffered water damage at my house and filed claim with my insurance company,   XXXX   XXXX   XXXX   hired people to do work cleaning home and repairing certain items.they also provided check for me t o hire contractor t o repair home.all checks listed jp morgan chase as co -payee and checks had to be deposited in an account controlled by bank.to date jp morgan has received approx  XXXX  bills ha ve been submitted totaling approx  XXXX  and at this point jp morgan chase has only paid out  XXXX  i  and vendors providing work have contacted them ove r 25  times with limited success.it seems every call is answered by different person who is somewhat clueless as to the situation  XXXX  is refusing to release monies which are not rightfully theirs.i have spent countless hours trying to rectify this matter to no avail.bill   XXXX  need to be paid and jp morgan chase has copies of those invoices, i don t understand why they are not relesing funds
Didnt know debt was sold I contacted XXXX several times trying to find out details. Was told to file police report on issue. Back in XX/XX/2012 and never heard back from them tried to make paymemt arrangement even thou I was not at fault
I have been with Chase bank for over ten years, and have had mobile alerts set up for a few years, so every time my balance goes below {$400.00} in my checking account I am alerted and can transfer funds from my savings to my checking. Over the last few months, I have not received any alerts, in XX/XX/XXXX I was charged XXXX insufficient funds fees of {$34.00} each. I called chase and they reversed the funds. I explained I did n't receive the text alerts, but I maybe missed them for some odd reason. I did n't investigate further as they refunded the fees. Yesterday I went to make a rather large payment and decided I should look at my account before doing so, to ensure I had the funds. I found that my account balance was overdrawn by over {$1000.00}. I had not received a single text alert to my phone. I immediately transferred money from my savings to my checking and brought my account balance up. Then I called the customer service at Chase to get these fees refunded, as clearly their text messaging system was n't working. When I called they were only able to refund {$100.00} of the {$640.00} they had charged me over the past few weeks, and when I asked them to tell me what number they had for text messages they gave me the correct cell phone number. I now have to go to a bank and speak with the manager to see they are willing to refund the remaining money, as the customer service on the phone said they have refunded all they are allowed to refund. After I hung up with the customer service manager I went onto my account to check my alerts, and mobile alters were no longer set up and something called XXXX was put in place. I had never set this up. I restarted the mobile alerts so this hopefully wo n't happen again, however, I am sure I am not the only person this has happened to and I might not have caught this had I not checked my checking account for this specific larger transaction that I was charging to the account. I expect if Chase has done this to me they have done this to many of their customers, resulting in more profits for them.
XX/XX/XXXX- Paid our account in full in Good Faith using my Trust Account at the Federal Reserve Bank which has my name on it and my Social Security Number. Payment processed and posted on the same day. No notification sent to us of any problem. When I checked the account a few days later, saw that the payment was " Returned ''. I immediately made another payment using my personal bank account. Payment was actually made earlier than the due date. That payment processed, no problem. XX/XX/XXXX- Received letter from Chase in mail stating our account was closed due to a " recently returned payment.. '' and that XXXX provided them with the information that influenced the decision???? The letter was from Chase 's Risk Department. My wife phoned the Risk Department today while I was working and was told that even though we were in good standing, the account was closed and is irreversible due to the returned payment from XX/XX/XXXX. In the middle of her conversation, something happened with her cell phone where the agent at Chase could no longer hear her speaking..?? The authorization I gave Chase for her to speak on my behalf is only good for 24 hours, so that was the end of that conversation. Per the Board of Governors of the Federal Reserve Bank 's RULES & REGULATIONS regarding ACH payments, all ACH payments are immediate, final and irrevocable. The Federal Reserve Bank should not have " reversed '' my payment, nor do they have the authority to use or stop any payments on my Trust Account. As a result of this, Chase bank closed my account and will not consider re-opening it. They deemed it a " Risk Concern '' and closed without checking it out. Per HR192 enacted on XX/XX/XXXX, it is our birth right to discharge debts using this Trust Account and I have acted upon this information given to me IN GOOD FAITH. On a side note, Chase closed my account TWO WEEKS AFTER the returned payment and then, on XX/XX/XXXX, entered a " Purchase Interest Charge fee '' of {$220.00} -- AFTER they closed my account. The whole thing is very suspicious and the fraud risk evaluation needs to be done on their bank, not on me the consumer.
I keep getting a call from Meridian Financial XXXX. 
I have XXXX debt.
I was a victim of identity theft and noticed a collection from RESIDENT COLLECT INC I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against RESIDENT COLLECT INC in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you