WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, I tried to withdraw {$200.00} at ATM at Chase Bank at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY location ( XXXX ).  No cash was dispensed. I thought I may have pressed " cancel '' button so I tried again, and this time I received {$200.00} ( I used the same ATM machine ). Then I checked the transactions and found out that I was charged twice ( {$200.00} X 2=XXXX  ) even though I only received {$200.00}. As I could not find any bank employee nearby, or there was no intercom, I went downstairs and talked to an employee at the customer service. He dialed and handed me the phone to file a claim. I was told that the {$200.00} will be refunded within 48 hours, which did. 
In XXXX, I received a letter saying that the bank did not find any flaw in the system and will take back the {$200.00} they refunded to me ( this was done on XX/XX/XXXX ). I was very surprised and went to the branch on XXXX between XXXX and XXXX XXXX ( XXXX ) on XX/XX/XXXX and talked to an employee there. He called to find out why I did not get my money back, and told me there was nothing I could do as the investigation was completed and the bank found nothing wrong with the ATM machine. He said even if I file a claim again, the same thing will happen and I won't get my money back. He did not offer any further help.
I requested account verification from Kohls department stores via certified mail and to have them mark my account as disputed with credit agencies within 30 days of receipt of my first letter per the FCRA. They have failed to provide me with a contract bearing my signature to verify the debt, and they failed to place the account as disputed with the credit agencies. I have the certified receipts and the dated credit reports to support my claims.
I had credit card XXXX account that was buy by XXXX XXXX Bank XXXX but the account was close and paid settlement XXXX for {$160.00} at that time. I did not received call or letter or statement. XXXX day I received a phone call stating I had XXXX XXXX Credit. I open credit card with XXXX XXXX up on XXXX/XXXX/2014 and charge {$660.00}. XXXX XXXX sell the same account to Portfolio Recovery I have ask over the last year to remove from my credit bureau and also I have asked send me proof to me ware I signed a credit application with XXXX XXXX in XXXX, I have not received any information yet
at XX/XX/XXXX ... I made a request to XXXX XXXX XXXX through it's representative XXXX XXXX XXXX to delete an executed second mortgage account from my credit report as charge off, because since XXXX, this property has been executed. 
I made a successfully claim to XXXX XXXX Credit report company ... and they update correctly my information. 
However, I made the same request to Equifax company, and the didn't want to proceed in accordance with my current situation.So any of this two companies don't report my situation accurate, despite I'd have bring to them all the legal documents that show the foreclosure of my old home. 
Equifax confirmation request # is:XXXX I'll appreciate your assistance and intervention in this matter ... .thanks!
Bank of America is in the process of foreclosing on my home. I would like to sell and avoid foreclosure
There was an issue with amounts owed to the bank and communication - Once there was a communication I paid off the debt. This company wont listen and they wont stop calling.
filed dispute Equifax refuses to provide me with my results - customer service gives out wrong phone number, refuses to help. Refuses login information, claims the identifying information I'm providing is wrong when I know precisely it is not.
By letter dated XX/XX/XXXX, I received notice that my mortgage loan was being sold by XXXX XXXX to Flagstar Bank effective XX/XX/XXXX. I also receive an Annual Escrow Disclosure Statement dated XX/XX/XXXX, which analyzed my escrow account from XX/XX/XXXX through XX/XX/XXXX. That analysis, which indicated it was undertaken by XXXX XXXX, increased my monthly loan payments to {$2300.00}. 

My mortgage loan payments are set to be automatically paid out of a brokerage account. I went online and adjusted future payments to accommodate the increase. 

By letter dated XX/XX/XXXX, I received a late notice from Flagstar Bank stating that they had not received the monthly payment on my note and that the total amount due was {$110.00}. Since my payments were on automatic transfer, I was unclear at to how the payment was missed. 

Upon review of the matter, I discovered that Flagstar bank had performed another Escrow Analysis of my account as of XX/XX/XXXX and increase the payment {$38.00} to {$2400.00} beginning with the XX/XX/XXXX payment. When they received the {$2300.00} payment on XX/XX/XXXX, it was placed in a suspense account and not applied to the loan. While they then had nine days to advise that the account was light {$38.00} ; Flagstar opted to wait until after the grace period ( XX/XX/XXXX ) to advise that they had not received the full payment due. A late notice dated XX/XX/XXXX advised of the shortfall and noted that a {$72.00} late charge was assessed on the account. 

My complaint against Flagstar is threefold. 

1. Annual Escrow Account Reviews should not occur more than annually. The payment was adjusted coinciding with the transfer of service to Flagstar on XX/XX/XXXX and should not have be adjusted again in XXXX. 
2. Once the payment was received, I should have been notified of any deficiency immediately so that the shortfall could have been paid prior to triggering a late payment fee. 
3. A {$72.00} late fee on a {$38.00} shortage is punitive as it amounts to nearly twice the amount the payment was short, which equates to a 2253 % annual interest charge, which is usurious.
XXXX : I am XXXX and have been with a prepaid phone for 4 years now. I was on a month to month plan when I was offered a replacement phone due to multiple problems with my service. The replacement phone was returned within the trial period however a new contract was created and never cancelled as promised when the new handset was returned. I was informed the billing would run a couple cycles before it reset and canceled. However in 2 cycles I was informed that the contract had been violatedcancellation period ) and I was now responsible to buy my way out of it. A contract is made to pay off/down a handsets value but the handset was returned and the contract was n't cancelled as promised.To avoid the hassle of a contract I opted for a prepaid service right away ( XXXX using XXXX Phone number and XXXX using XXXX XXXX in XX/XX/XXXX ) This account still shows up on my credit.I have contacted the vendor and also the collection company who refuse to see that I am not responsible for this debt. I currently have a free state phone and continue to prepay for s service intermittently ( 4years on XX/XX/XXXX )
I received a call from Southwest Credit Systems at XXXX XXXX, XXXX. The representative I spoke with did ID the company. The representative also provided the last 4 numbers of my Social Security Number and a mailing address of mine. No info was verified at that time. I advised the representative that this is a violation of FDCPA. I termed the call. Redialed the company at XXXX - asked the 2nd rep that the call be recorded - attempted to advise rep of the incident of the initial call, rep cut me off to verify info that I refused to provide due to initial incident, advised rep that I would like to finish what I was saying and rep continued to cut me off. I would like to submit a FDCPA violation on Southwest Credit Systems with the FTC/CFPB as the company provided sensitive information such as my social security number. This is information that I am to provide during a verification process -
Our Loan was recently transfered from XXXX to XXXX which we received notification for in XXXX, We made 2 payments to XXXX and when we went to Pay for XXXX 2016 their web site stated there was no payment due, Today I was finally able to get thru to them and they stated that they had sold the loan to BSI Financial Services, I asked when they where going to let me know and they said they send a letter, I told them I never received a letter so they looked it up and found out that they had put the wrong address on the letter, so they are resenting another letter today, I have not received anything from BSI as of yet. I am in hour XXXX on hold awaiting a customer service rep for BSI to track down some information so that I can pay on my mortgage. Do I have any rights here or will there confusion cost me more money?
In    2016 I  received several invitations via   XXXX   XXXX    and email to apply for a  Citibank AAdvantage  Platinum credit card. The invitations were address ed specifically to me and listed my current AA miles and what my mileage would be if I fulfilled the spending requirement. I was urged to apply before  XXXX  o f 2016. I called  the number on the invitation, informed the agent that I had previously held a  Citibank AAdvantage  card, and asked if I would qualify for the promotion - and I WAS TOLD YES. I applied in  XXXX , fulfilled the spending requirement and paid my bills in full and on time. When the miles did not appear in my account I began making inquiries via fax and phone.   Many phone calls and many hours later I have been informed that ( unfortunately, sorry for any inconvenience ) because I had closed an account within the past 2 years I would not get the bonus miles AS PROMISED. I am not debating the " fine print ''. I was not sure when I had last possessed a  CITIbank  AAdvantage card. Thats why I called and asked. I relied on their response when I decided to apply for this card.     I feel I was both targeted and lied to.       1. I was baited into applying for this card and making charges to fulfill a fraudulent offer.
2  . Instead of awarding bonus miles, the timing of this offer actually PREVENTS me from earning bonus miles .... If I had waited 6 months more to apply I would have been past the 2 year window allowing me to re-apply for card and earn bonus miles in  XXXX .
This company calls me every day. They're normal tactic is simply to hang up after I answer the phone, but occasionally they ask me to verify very personal information : last 4 of my SS #, date of birth, and others. They refuse to identify themselves or provide any information about their company unless you verify this personal info. They have even begun calling my wife 's mobile phone number. 

I have asked them on numerous occasions to stop calling me. Usually at that point, they hang up on me, but they have in the past agreed to stop calling me. They have not stopped calling me. 

Today, ( XX/XX/2018 ) I called them back ( after they hung up on me ), and I was assured by a " XXXX '' that they would not call me again. She would not provide her last name or her date of birth or the last 4 digits of her SS # for some reason. XXXX told me the name of her company was Unifin , Inc.
Exhibit " E '' will show the results of Equifax answer to a dispute. It shows that there were multiple accounts with XXXX being disputed. Only one was being disputed ( Please see Exhibit " A '' as to the correct disputed account a certified copy of an unsigned note by XXXX ). They removed the wrong account ( please see Exhibit " D '' for the account that was not suppose to be removed, but was done so - I did not file a dispute for this account ). Furthermore, the ONLY account that was disputed and should have been the only one removed from my report was the invalid account ( Please see Exhibit " B '' and Exhibit " C '' unsigned note as well as an altered note by XXXX showing an owner that has never been known to me and letter asking that we sign liability for this invalid loan on a vehicle that someone unknown to us owns ). Please correct this mistake by removing the correctly disputed account.
Hi I was informed on XXXX that i had XXXX bills at my moms house My niece who i havent spoken to for years got my ss # and tried to establish numerous accounts XXXX in particular allowed her to use it montgomery ward for XXXX for a small netbook i found this out my tracking the package an the post office in turners falls told she called an asked her to hold it for her i told them i 've been scammed an told them i will pick it up with the police to send it back as of now case is ongoing Her name is XXXX i meet with the detectives monday am i did credit card check an she tried numerous times
On XXXX XXXX, 2015, I received a letter from American Medical Collection Agency ( " AMCA '' ) dated XXXX XXXX, 2015, regarding collection of a medical debt. The letter did not include the notice of right to dispute debt. Instead, the letter stated, " Dear XXXX, you may believe that XXXX will eventually forget about the XXXX you owe for XXXX. However, it is our responsibility to make sure that neither our client nor you forgets this debt. There is no longer any justification for not paying XXXX. Withholding payment is not acceptable. Your lack of response may place your credit record in jeopardy. You can resolve this problem easily before we are forced to take further collection steps. Send us your remittance for XXXX with the bottom portion of this letter, and we will promptly notify our client and remove your name from our delinquency files. Spare yourself further time on this matter. Pay this past-due bill today. '' On the back of the letter it stated, " this is an attempt to collect a debt. Any information obtained will be used for that purpose. This communication is from a debt collector. '' However, the letter did not disclose my right to dispute per the FDCPA. The language contained in the letter implies " my lack of response '' will place my credit record in jeopardy. I consider this to be in violation of the FDCPA.
I started a home refinance with Wells Fargo in XX/XX/XXXX. I have met all of the conditions, been approved, paid for the appraisal, submitted all necessary doc -- several times. I keep being told everything is fine, just paper work delays on their part, yet is going on 5 mos now and we still have not closed despite being told repeatedly everything is fine. We were originally set to close in XX/XX/XXXX. When I 've called and emailed management, they apologize and say they will look into it and call me back ... 2 times they said this and have not called back. I would appreciate assistance with this, every month I am delayed I am pay hundreds of dollars more for my mortgage. 
I then receive and email from the customer service manager for mortgages asking how the loan is proceeding. I respond with the issues, and he replies that he will call me the next day. He does n't call or returns my emails. 
I now have been asked to again provide updated documents because the other have expired because this has take so long. I want to emphasize, we qualified for the loan, have had no issues with out paperwork and have many emails saying everything is fine.
I called Us Bank XXXX XXXX. To cancel my escrow account for my taxes.. The escrow account was not required as put down {$90000.00} on a {$250000.00} purchase. 
After a long wait they said the cancellation was approved. I had already sent my payment of principal and interest payment. Us Bank has put my payment in suspense. I feel like they are trying to force me into foreclosure and including unwarranted late f
THIS IS AN ILLEGITIMATE DEBT I HAVE AGREEMENT AND INSURANCE WITH THE COUNTY SEE INFORMATION ENCLOSED. I SPOKE WITH THE COMPANY AND THEY SEEMS TO IGNORE IT.
I received a debit visa card for a wells fargo checking account. I do n't have a wells fargo checking account.
My current bank BB and T. Is changing the order of processing transactions and automatically applying overdraft fees to accounts for pending purchases and not processed ones and will not refund the fees if the pending purchases do not go through or are cancelled. They have also placed holds on cash deposits that I have made through the atm without an envelope, and which should have posted directly to the account. I paid a bill at the bank with a check on XX/XX/XXXX and had over {$1000.00} in my account and was still given a fee for the check because a purchase was made with debit card the next day after business hours that they took out first and not the processed check. I do not like how they are reordering transactions for so that they are able to assess fees.
I recently contacted XXXX  XXXX about negative reporting on my credit report and received the following letter. The letter contains not only inaccurate information, out right fabrications and impossible and unexplainable excuses. First of all XXXX  XXXX claims they denied my application for a repayment plan on XX/XX/XXXX because I was already on a deferment until XX/XX/XXXX and that it wasn't signed by my spouse. One I was not married and had no spouse, secondly why not just wait and process my application at a later time. Second XXXX XXXX claims that they sent me a denial letter and on XX/XX/XXXX received mail back from the Post Office claiming that my address was invalid. I have lived at my current address since XX/XX/XXXX and have never moved. After contacting the postal service I was informed that they have no record of my address ever being invalid. Also the loans that were reported as being reported negatively now were loans 19 through 32, yet my loans 1 through 18 were just fine and my address was working well for all mail dealing with them, how is this possible? Third XXXX XXXX then claims that they found a valid address for me listed as XXXX XXXX XXXX XXXX OK. I have never lived in OK in my life. As soon as a letter was sent to this address in OK, XXXX  XXXX received a letter back stating that that was not my address. Fourth XXXX XXXX then claims that they contacted me by email and it was also returned as being invalid, my email address XXXX has not changed and any other email that was used I have no information about. XXXX XXXX also claims they called my phone number and lfet messages, I never received one single phone call. I have had student loans with the federal government since XX/XX/XXXX and have never missed a payment and was making current payments when these supposed loans 19 through 32 were going unpaid. I am extremely upset about all of this and I want the negative credit reporting from XXXX XXXX to be removed. If this is not done I am going to take legal action under the Fair Credit Reporting Act.
XXXX XXXX XXXX ( XXXX XXXX XXXX ) has violated FDCPA in multiple ways : - They contacted my employer more than once, on XX/XX/XXXX and on XX/XX/XXXX- They contacted a relative and left a message, then disclosed that they are attempting collect a debt.
I sent a dispute through the Bureau of Consumer Financial Protection with the above referenced case number XXXX. Equifax did not in any way investigate the item I am requesting be removed! They sent a credit report with history from my car loan with XXXX, and then also made a statement twice on my student loan history that I disputed that, which I did not do. I have no issues with either XXXX or XXXX! I 'm paying on time and accurately. The item I am requesting be removed or investigated with evidence is a public record with the XXXX XXXX County Court! I have contacted the court and there is n't a record in my name. Equifax did not provide me with any record or documentation! Now, they are ruining my report further by making statements that I asked to investigate XXXX, which I did not do! I 'm beyond furious and disgusted with this company and the result. They should be shut down for fraud!
On  XXXX   XXXX ,  2017  I sent a letter disputing multiple inquiries to all credit reporting agencies and asking for removal. They responded sending me a letter explaining what an inquiry is! I then resent additional letter stating I had not gotten any proof via certified mail and fax also on  XXXX   XXXX . They again resent a letter stating what inquiries are and to contact the reporting agencies to dispute myself. They have failed to respond to two requests now to research and delete inaccurate inquiries on my credit report. These inquiries do not belong on my report and I have no written verification they belong to me. In addition, the response to the second letter was dated the day after they received the certified mail. How could you provide any written verification or any legitimate research in one day?     I Followed up with a phone call today  XXXX   XXXX  and they told me the inquiries were my responsibility to contact businesses to remove and they do not remove inquiries I also requested twice in writing to update and correct old addresses, employers and phone numbers and all they keep sending me is the exact same credit report repeatedly.
I explained to Transunion,  XXXX , and   XXXX   that i do not recognize any of these inquiries on my credit report. I am writing to dispute the following information in my file. I recently received a copy of my   XXXX  ,  XXXX , and Transunion credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance  C. Employment D. Court Order Th e following credit inquiries are related to none of the aforementioned permissible   XXXX   XXXX   XXXX  .   XXXX   XXXX   (   XXXX   XXXX   XXXX      )    XXXX   XXXX   (   XXXX   XXXX   XXXX      )    XXXX   XXXX   (   XXXX   XXXX   XXXX     )
Have not be able to access direct deposits in more then 14 days customer service rep claim that they do n't have access to members account and will not be able to assist you and are taking your number down. This all started two weeks ago with a system update that was only suppose to take two days. I have had a account with rushcard since XXXX this is total unacceptable. I have been working for free this past week I have no way to buy for get to work pay bills or take care of my kids.