WillisBack/dataset-financial-user-claim huggingface dataset:
The debt collection agency XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, IL XXXX sent a 'dunning ' letter to consumer dated XXXX XXXX, 2015. The envelope was postmarked XXXX XXXX, 2015 and consumer received it XXXX XXXX 2015 which violates the XXXX XXXX XXXX XXXX day timeline consumer is allowed to respond to dunning letter. This is a practice synonymous with 'false, deceptive, misleading misrepresentation ' as it violates the Fair Debt Collection Practices Act ( " FDCPA '' ), 15 U.S.C. Section 1692e. Many debt collectors are adopting this practice as a way to cause consumer a lack-in-time to respond within 30 days and utilizing the timely manner set out by the FDCPA. Not all consumer 's have access to a fax machine. This Consumer takes issue with other factors of the 'dunning ' letter in regards to the fact consumer does not owe XXXX XXXX XXXX XXXX ( or any entity acting on behalf of XXXX XXXX XXXX XXXX ) a debt. Consumer disputes owing XXXX XXXX XXXX XXXX a debt based on the FACT : Consumer has no fiduciary, contractual obligation to pay XXXX XXXX XXXX XXXX anything. There is no payment history, nor products, or services that have been rendered to XXXX XXXX XXXX XXXX, because these elements do not exist ; there is a failure of consideration and no valid agreement, contract or fiduciary obligation under federal law that requires payment to third-party debt collectors. Furthermore, Consumer 's sole ( permanent ) income is Social Security XXXX income which is federally protected income under Section 207 [ 42 U.S.C. 407 ] ( a ) of the Social Security Act ; ( SSA ). Consumer is head-of-household and possesses NO property of value. Consumer 's federally protected income presents a 'genuine issue of material fact '', which will result in a frivolous lawsuit if pursued. Consumer filed this complaint as a means of formal documentation that consumer will " tender '' as evidence in a court proceeding if XXXX XXXX XXXX XXXX chooses to adopt their own agenda and pursue this matter further. Consumer wishes all communication ( mail/telephone/attempted collection ) cease upon notification of this debt dispute reported in this venue. Consumer has added a complaint lodged by another consumer who experienced 'unjust enrichment and extortion ' levied against them when interacting with XXXX XXXX XXXX XXXX. Consumer of this complaint will not engage in contact with XXXX XXXX XXXX XXXX based on violations of the FDCPA, false misleading contact by XXXX XXXX XXXX XXXX. If XXXX makes any attempt to contact consumer on ANY level consumer will file a federal and state lawsuit against XXXX XXXX XXXX XXXX and present documentation to support consumer 's position in this matter. Consumer thanks CFPB for having this venue as documentation. It is greatly appreciated!
I contacted this company directly via certified mail on XX/XX/XXXX and asked them to remove claims of debt from my credit report because I have never done business with them, nor did I open an account with them on XX/XX/XXXX as they have listed on my credit report. They responded and stated that they would send me proof of the debt, it has been more than 30 days and I have not heard anything from this company and they are continuing to illegally report this debt as valid on my credit report.
I bank with Bank of America and I am sick of their NSF fees. I have set up daily text to notify me of balance because I am human and sometimes forget how much money I have, etc. I am currently unemployed so I usually deposit money to cover my bills, etc. 
Today XXXX/XXXX/17 I got a message that my account is overdrawn since yesterday and have racked up {$70.00} worth of NSF Fees. I understand that it is my responsibility to have money but I 'm unemployed and on a tight budget. Anyhow I have been charged with XXXX NSF fees because although I had enough to cover the bill I paid on Saturday they decided to post another bill that was paid on Monday and then post the Saturday XXXX. The bill posted on Monday overdrew my account and then the Saturday bill overdrew it more. It upsets me because I had enough money to pay the Saturday bill but they will not refund me the NSF for that bill because of some mumbo jumbo " hard post '' to yesterdays bill. 
On top of that I never received a text from Bank of America notifying me of my daily balance yesterday. In fact whenever my account if overdrawn they never send me the daily text to " warn '' me and let me know my account needs attention instead they wait until the next day to let you know but by then its too late and you 're shoved NSF fees. I find it convenient that they never seem to get the text out on those days but they managed to get another text about their offers out to me.
In XXXX we refinanced our mortgage with JP Morgan Chase. At the time they were offering a XXXX % cash back program if you agreed to have your monthly mortgage payment withdrawn from your Chase checking account. We already had a checking account with Chase so we signed up. As promised, every year around XXXX we would receive our cash-back bonus deposited into our checking account that is until this year. In XXXX XXXX we sold our home and paid off our mortgage with Chase. At the time we had somewhere in the neighborhood of {$70.00} or {$80.00} in our cashback rewards account. After waiting for over 5 weeks I started trying to contact Chase through the secure message system online. Each time my message would not go through so I finally called them. The girl that I spoke with had me on hold for quite some time then indicated she needed to research the issue and call me back. She called back and indicated that since our mortgage was paid off we are not entitled to our cashback rewards. I was shocked, we upheld our end of the agreement guaranteeing them payment each month through automatic withdrawal so I asked her for a copy of the terms of the agreement that state we are not entitled to the cashback if the account is paid it full prior to the rewards anniversary date. She said that it was not included in the terms and conditions but if I disagreed with their position I could fax a letter to their research department. I will be faxing said a letter and in it I will again request a copy of the terms and conditions that state that I am not entitled to my cash back reward. I wanted to see if you had received any other complaints from consumers on this issue. I tried researching it on the internet but was unable to find anything specific to this issue.
I made a wire transfer from one of my accounts to XXXX ( a crypto currency platform run by CoinBase ) at around XXXX EST on XX/XX/XXXX. According to their website, it should have gone in on the same business day if the request was made before XXXX PT. I made it on time but it 's been 3 weeks now and no money is in my account. I received confirmation from the account I sent the USD from that the wire was successful so this is strange to me. I contacted CoinBase through their support channel and made a case after a few days of still not seeing my money and have followed up every few days since then ( over 6 times ) with no response. I have contacted them on XXXX, via XXXX on their support page and through other forums and STILL have not gotten a response. To me this feels like they have stolen my money or it has been lost somewhere and I have n't got any validation. Please help if possible.
On  XXXX  I had credit report pulled and noticed several inquires that was not made or do I have any knowledge about. Called Experian and advised of matter and fraud alert was place on my report. Have made several attempts with experian to get inquires remove with no success, so I then begin calling creditors to ask if they can remove, but they stated they did n't have record of me applying for credit. Called experian and told them what was told to me but they still want remove saying inquires are factual.
I am in the process of changing my name because I was recently married. When I changed my name with the social security XXXX earlier today, they recommended that I get a credit report so that I had a complete list of all of my creditors so they can be notified of my new name. When I saw my credit report, I saw an overdue account that had caused significant negative credit effects, and found out that my Bloomingdales credit card had been fraudulently used on XXXX XXXX, 2016. Apparently this was an online purchase of Lancome makeup ( which I do n't wear ), and which I did not make or authorize anyone else to make. When I called to complain about this, I was also told that my account had been closed in XXXX 2016 and a new XXXX opened shortly thereafter. I neither closed nor opened any Bloomingdales accounts during that time frame, and the opening/closing and XXXX XXXX charge are all fraudulent, unauthorized actions.
I have XXXX issues. The first is I have student loans that were discharged through a ch XXXX bankruptcy that are reporting negatively on my credit reports even though they were discharged. The 2nd issue is I am being told that I have a consolidation loan. I NEVER took out this loan and it has been sold to a 3rd party. The servicer will not help and it has been sold numerous times. I have been garnished in the past. When I ask for proof of the debt they send me a copy of a promissory note that does not have my signature and has my minor child listed as a reference. I did not authorize or apply for this loan. Nor did I benefit from the proceeds of the loan. This is impacting me in a devastating manner. I can not obtain any credit and I am unable to obtain things such as housing and employment due to the negative impact of it. I have asked for hearings and followed the chain of command but they keep canceling the the hearings then selling it to another collections agency. The loans have ballooned over time along with collections costs. At the time I was not even enrolled in school or had a need for consolidation because I was not in enough debt. I am unemployed and without any liquid assets or property. I also have a minor dependent. 
The servicers are AES/PHEAA, XXXX XXXX, XXXX XXXX,
AS YOU CAN SEE THIS HORRIBLE SITUATION HAS BEEN GOING ON FOR YEARS WITH BANK OF AMERICA! TRY CALLING AND TALKING TO SOMEONE ANYWHERE ANYONE, THEY HIDE AND YOU WILL BE UNSUCCESSFUL! PLEASE REVIEW THE COMPLAINTS AND THE THREE LETTERS I HAVE AND AND WARNED THEM THAT I WAS GOING TO FILE THIS COMPLAINT WITH CFPB! 

XX/XX/XXXX AND XX/XX/XXXX AND XX/XX/XXXX ATTN : XXXX XXXX XXXX BANK OF AMERICA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX THIS IS THE THIRD LETTER I HAVE SENT YOU! I AM FILING A COMPLAINT AGAINST YOU WITH THE CONSUMER FINANCIAL PROTECTION BUREAU ON XX/XX/XXXX IF I HAVE NOT RECEIVED A RESPONSE! 
I have spent hours trying to get this matter resolved and because you have stolen our gold and I truly believe that the gold went missing at the bank, you are trying to evade my plea! I simply want this billing and this account closed as you told me you would do a year ago! Now I am being billed again. It appears you are trying to steal more value from me! 


ANOTHER LETTER IS BEING SENT AND FAXED TODAY XX/XX/XXXX Dear XXXX XXXX, I have attached the letter previously sent. I just received a bill and have spent one hour and ten minutes on the phone with XXXX in XXXX, XXXX in XXXX, XXXX in XXXX and XXXX in XXXX! They each one have said they could help me but, this is not resolved. I am going to file a full fledge complaint against you with the CONSUMER FINANCIAL PROTECTION BUREAU with in five days if I am not contacted and assured that this was closed and acknowledge that he box was closed over a year ago!! 


LETTER SENT XX/XX/XXXX Dear XXXX XXXX : Re : safe deposit box, box # XXXX I visited you center located at XXXX and Tollway several months back and complained that my box was missing various items! They did a report and said they would be back in touch with me. I closed the box that day and left my key! I received a bill and have held on the phone for 45 minutes and was referred to you local bank and got into a recording for additional 15 minutes and have still not talked to a live person! You leave your telephone numbers out so customers ca n't reach you and that put the difficulties back the customers ' back! I want this box closed and someone contact me regards the investigation.
I wanted to transfer, on Pen Fed CU website, money from our checking account to IRA account. The IRA account was not available for transfers. I called and ask why it was not available. I was told that this kind of transactions is prohibited by law - because of reporting requirements. Is there a law/regulation that prohibits electronic transfer of money into IRA account form checking/savings account?
XXXX XXXX XXXX trying to charge for services not rendered and sent to collection. They did not give me a chance to dispute.
Wells Fargo has an icon listed on page with my accounts once I am logged into my online banking. It is called XXXX XXXX. At the time I had no idea this wasn't actually Wells Fargo because it is actually listed on my personal account page. Why would they have another company user tool listed with my personal checking account information?? I assumed it was how we transferred money and it was in fact Wells Fargo. Well on XX/XX/2018 We thought we were buying tickets to a football game and we transferred the seller {$500.00} through our Wells Fargo account. Come to find out it was a scam and someone had made up all of their information and they took our money. The seller said their name was XXXX XXXX and listed an email address as well. But come to find out, that person doesn't really exists and they scammed us. Wells Fargo acknowledges, after reviewing that person name and email that it's all red flags that they show and things didn't match up ( we would have no way of knowing that from our end ) BUT they refuse to give us our money back. Banks are suppose to protect their clients. We have ALL of our money and 401K and IRA with them and all they are saying is that this is not fraud but it is in fact fraud. This was a made up name and person that committed fraud and Wells Fargo is treating us like we are the criminals instead of the victims. Please help! We just want Wells Fargo to do the right thing and give us our money back. They should never posted XXXX with our account information if it is not actually Wells Fargo. We didn't go to XXXX to do this transfer, we actually logged into our Wells Fargo online banking portal and XXXX is just listed under our checking account. We didn't even know this wasn't a Wells Fargo tool until this happened and Wells refused to help us. This is so misleading and unethical on so many levels. We feel so violated and vulnerable that our bank, who we believed to be a trusted partner, would allow this to happen to us. If they will not protect you from this kind of thing thing they 100 % should not have XXXX listed in our personal customer portal. We just need help getting our money back and no one will listen.
Midland Funding is still reporting a delinquent account on my credit file despite its failure to prove its claim in court when it sued me and despite multiple requests asking it to stop reporting derogatory information on my credit file and remove negative information it 's been reporting about me since XXXX XXXX. 

Midland Funding has never advance any fund to me. It falsely claims that it became my " creditor '' when it allegedly purchased a debt I owed XXXX. it claims XXXX sold the debt to XXXX XXXX and it acquired the debt when XXXX receivable merged with XXXX XXXX and when it subsequently merged with XXXX. 

Around XXXX, out of the blue, I was receiving collection letters from Midland Funding asking me to pay {$2400.00}. When I finally requested debt validation, it immediately proceeded to suing me even before responding to my debt validation request. 

I responded to the lawsuit denying owing money to Midland Funding. When preparing for trial and examining Midland Funding 's evidence documents I noticed that the documents and affidavits were bogus. That they were prepared to fit its false claims. So I subpoenaed specific evidence but on trial date Midland Funding could not produce any specific evidence to prove I was obligated to it and decided to dismiss the case against me. 

But to my surprise it was still reporting a negative account that it could not prove in court. 

In XXXX XXXX I contacted Midland Funding asking it to follow through with the dismissal by removing unsubstantiated negative account it was reporting with all XXXX credit reporting agencies. 

Midland responded not only saying its reporting was accurate but started updating the account every month without any purpose and manipulating my credit file, dropping my credit score in the attempt to bully me into paying a debt I do not owe.
I have been using my Chase credit card as my primary credit card for over 5 years, spending easily over {$1000.00} per month almost every month. During this time, I 've paid back my balance in full every time without any problems. 

Earlier this year, I purchased some foreign currency while traveling, and used this credit card to pay for that purchase. When the month 's statement arrived, I was surprised to see multiple cash advance fees on my card. I called Chase regarding these charges and they were not helpful at all. I reluctantly paid these fees and moved on. 

Every month after that, I 've been hit with cash advance interest fees despite me paying my statement in full weeks before the statement due date. Each time that I called Chase, they could n't do anything about the current month 's fees, and they did not warn me about the fees that will show up next month. As a matter of fact, in my most recent call, their representative told me they could n't do anything to help but they can close my account. Despite being a loyal customer for over 5 years, and using their products heavily, this was the last straw for me. I 've closed my account and will never be doing any business with Chase again.
my credit line was reduced from XXXX to XXXX after a lump sum payment I recently made of XXXX my payment history has never been late since its inception.
My husband and I had accounts at XXXX XXXX, a joint stock account and his 401K/ IRA rollover.  We moved the accounts to XXXX XXXX, I had to sign to do this. XXXX XXXX XXXX placed the money into a Summitt Cash Reserves then transferred money to XXXX XXXX. Once it got to XXXX XXXX, they changed the account to a single owner account. When I tried to access the account information, I was told I did not have authorization on the account and was not privy to any information. Also, the beneficiary on the account was changed for the 401K/IRA taking me off and placing our kids as primary instead of secondary beneficiaries. My husband died leaving a mess of our accounts. I am now the administrator of the estate with no will and my life savings has been hijacked by people not following proper procedures for handling transfers of money and 401K/IRA rollovers. Please help me this sorted out so that I don't have to spend money I don't have to get  access to money rightfully mine and to avoid court proceedings that would involve suing my kids. Thank you.
This all started when we over paid on our home depot credit card bill. I sent in a check for the minimum amount while my boyfriend paid it in full online. This resulted in a credit of roughly {$35.00}. 
I then purchased a miter saw and blade for my boyfriend for XXXX. This was roughly {$170.00} and resulted in a credit card bill of {$140.00}. We were sent the bill and were made aware of the payment due date. 
However, my boyfriend then chose to return the miter saw and blade before the due date. Which means, logically, that we 're back to having a roughly {$35.00} credit on our credit card. 
On the same day, we made a {$28.00} purchase on the card. Believing that because this purchase was made after the closing date for XXXX, and believing our account was now at - {$35.00} ( credit ), we did not have a payment due. 
We just received our XXXX bill and it is showing a {$25.00} late fee that the company is refusing to refund and they also refuse to put our account in " Good Standing '' and are threatening collections when the bill is n't even 2 weeks past due. 
We fully understand that we may be misunderstanding how this all works, however, because of this confusing situation we believe that they should 've done us the courtesy of removing the {$25.00} fee and allowed us to float until XXXX on such a small amount ( {$28.00} ).
I have been a customer with Capitalone for over XXXX years. Today I called to try to lower my high % APR and they said they ca n't help me with this. I 've always made my payments on time and I have paid of my balance XXXX times this year.
Suntrust violated the Equal Credit Opportunity Act ( ECOA ) by asking me and refusing me a mortgage because I would not provide my divorce decree. As stated on the https : XXXX # suspect website, " When You Apply For Credit, Creditors May Not ... '', " Ask if you 're widowed or divorced. A creditor may use only the terms : married, unmarried, or separated. ", and " Impose different terms or conditions, like a higher interest rate or higher fees, on a loan based on your race, color, religion, national origin, sex, marital status, age, or because you receive public assistance. ". 

The mortgage representative asked me over the phone how much I paid in child support and also told me she required my divorce decree in an email.
My personal information was leaked via the Equifax security breach, as indicated from https : //www.equifaxsecurity2017.comXXXX Likely due to the above issue, my credit card was used fraudulently on XXXX XXXX, 2017 in the amounts of {$40.00}, {$7.00}
I submitted documentation to the short sale Deed in lieu ( DIL ) specialist/ Veteran Affairs deed in lieu point of contact appointed by Bank of America ( BOA ) in XXXX 2011. I subsequently received and submitted notarized paperwork from the BOA attorneys working to complete the DIL. The expectation was that I would receive a final no further contact in form of letter when process completed, however I would receive 1 ) a release of the title ; 2 ) cancellation of the mortgage ; 3 ) record release of the mortgage ; 4 ) report cancellation of mortgage to credit reporting agencies as deed in lieu of foreclosure ; 5 ) report cancellation of debt to IRS ; 6 ) and final settlement paperwork upon request. I only received the XXXX IRS tax documentation with regard to the DIL. I did not receive my receive any of the other agreed upon items and when I requested the final settlement paperwork the attorney denied I had completed a DIL. Subsequently, I had the loan sold to another bank and the property was foreclosed after repeated attempts to complete DIL 's.
I was a victim of identity theft 2 years ago. I sent 3 certified letters to XXXX requesting that they validate several items on my report and send me either a contract or something showing that these were my charges. After 3 attempts, they never produced the documents and this is unfair to me as a consumer. They also had an address in a state where I never lived. The below accounts were never validated. They sent me a letter stating that they validated the accounts but failed to provide me with anything. This is a direct violation of the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There was also a XXXX  account that was opened in another state that they did remove but not the inquiry.