WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX and I dispute the amount of damages owed me and offsetting rent. Rather than resolve this dispute, XXXX turned over their claim to Fair Collections and Outsourcing for collections. The amount owed is undetermined and unresolved, yet XXXX chose to intimidate me by misrepresenting to FCO that I owed money. XXXX engaged in deceptive business practices, fraud, destroyed my personal property, and committed numerous violations of the XXXX Housing Code. They also accused me of damaging the premises, a claim that is impossible to substantiate due to construction in the building initiated by XXXX themselves. XXXX also removed services and amenities advertised to me when renewing my lease. This constitutes a misrepresentation of material facts on which I relied. This is common law fraud.
I had a debt with a hospital in New Jersey for copayment of insurance for a back operation I had in XXXX of 2016. Before I could try to work this out with the hospital, the matter was turned over to a law firm in New Jersey by the name of Pressler & Pressler. I have attempted to contact Pressler and Pressler and no one will return my call. In the interim they have entered judgment against me and have been contacting my employer to find out if I work at my job so that they may issue a wage garnishment against me. They have called my employer on two occasions and during each call have refused to identify themselves -- only asking if I work there. My employer has advised me of these calls. This has caused great embarrassment to me as it is a personal matter and I feel that my privacy has been invaded by this law firm.
At the end of XXXX, I opened a XXXX XXXX checking account with Suntrust -- an account with a {$25000.00} minimum. Two weeks later, after confirming that they received my signature card which validates the account, I attempted to use the mobile checking app to deposit XXXX checks of {$1000.00} each for a total of {$3000.00}. These checks were my own checks from a different bank. Essentially, I wrote XXXX checks to myself from Bank XXXX in order to transfer the money to my SunTrust account. 
Two days after this, when I tried logging into my SunTrust account to make sure that the checks had cleared, I was denied access to my account. I waited a few more days and upon realizing that I was still unable to access my account, I called SunTrust to resolve this problem. I was informed that the account was placed on hold because it may have violated a SunTrust regulation and instructed to wait for a letter in the mail. 
I finally received this letter to which the representative on the phone was referring on XXXX XXXX. The reason for the hold was as follows : " Reason XXXX XXXX : Deposit exceeds client 's average balance. '' This explanation is completely illogical. Naturally, any new account will run into this problem! My average balance was less than {$100.00} -- the initial deposit I made with the bank representative when opening the account. I had tried to deposit {$3000.00}, a normal amount of money to begin using the account and SunTrust responds by putting my account on hold. It does not even make sense for such a modest sum of money to even be flagged considering that the account MINIMUM was {$25000.00}. The amount I deposited was barely a fraction of that. 

When I received this letter, I still held out hope that once the checks cleared then SunTrust would be reassured that everything is normal and they would lift the hold. NOT THE CASE. I received a letter on XXXX XXXX that SunTrust decided to close the account. 
On XXXX XXXX, I received another letter that clarified that SunTrust reserves the right to close any account for any reason and without disclosing the reason. 
To make matters worse, I only received a check for {$90.00}. I checked with Bank XXXX and they confirmed that the {$3000.00} in checks had cleared. I called SunTrust and they said they will not return the {$3000.00} until XXXX. I am outraged that I am being taken advantage of in this manner. Not only are they wrongfully closing my account, they are holding my money for over three months for no reason. 

Please help me to resolve this issue. I am very diligent with my finances and trust that you will be able to help my make this situation right. Thank you.
In XXXX 2015, I initiated an HSA rollover with HSA Bank from my account at their bank to my new account at XXXX Bank. On XXXX XXXX, I received an email from HSA bank from XXXX XXXX to contact HSA Bank. I called on XXXX and spoke to XXXX XXXX, who said the form I sent was not legible. On XXXX, I emailed a legible form to XXXX, who said they would process my transfer. On XXXX, I received another email from HSA Bank ... this time from XXXX XXXX, who asked for verbal confirmation to go ahead with the transfer, which I confirmed. I 'm not sure why they needed a verbal confirmation and why it would take 12 days to ask for XXXX. 

Around XXXX XXXX, I noticed that my funds still had n't been transferred, so I called to ask the status and they said they had n't processed due to my brokerage account not closing ( which it had ) and a couple of pending debit card transactions. On XXXX XXXX, the pending transactions went through. On XXXX XXXX, my funds still had n't been transferred and my account with HSA Bank was still showing as active. I called HSA Bank on XXXX XXXX and asked the status of my account and they said it would be 4-6 weeks to process. On that phone call, I asked them to put me in touch with a supervisor. After holding for about 20 minutes they said there was no supervisor available. Also on that call, I asked them to send me an email when the check was mailed and I was hung up on.
lab bill sent - lst time receiving any bill now stating collections dept of justice federal investigation into allegations of fraud, conspiracy and physician kickbacks between XXXX labs and my XXXX physician. I am disputing theses debt because I do not owe them. the office of my XXXX physician voluntarily elected to send my XXXX to creditors XXXX labs I never enterd any XXXX contract or agreement with them .upon the submission of my health insurance card to my physicians office it becomes their responsibility as network provider to submit any services to the appropriate in network lab. any practice to submit to out of network lab was beyond my control and was without my authorization
Discover Card opened an account using my personal information and then provided a credit card to another person other than myself. When I discovered this after receiving a credit alert, I contacted them to address the issue.XX/XX/2018. Upon giving them my personal information the agent informed me that the information did not match what they had on file and then asked if I had been a victim of Identity Theft. I had stated that I had been for several years and that was why there was a Credit Alert on my credit files. The representative advised that they has noted in the account and would transfer it to the Fraud Department and remove it from my credit file. I received 29 calls during the next 3 days regarding the same issue. Discover Card has continued to report the card as closed as it is still being illegally reported on my credit file as of today XX/XX/2018. They continue to change the amount of the alleged debt from {$1100.00} to {$620.00}. They continue to commit Defamation, Negligent Enablement of Identity Fraud, Violation of the Fair Debt Collection Practices Act Section 807-8, Violation of the Fair Credit Reporting Act Section 623-b.
I do n't recognize inquiries on all  XXXX  credit burea I filed on  XXXX   XXXX  and  XXXX   XXXX  have not applied for anything on fix income spoke with all  XXXX  bureau or company and nothing is done they continue to say it 's not there problem that a inquiry is facts and thats not correct I 'm just tired of trying to get this correct and no one wants to help me please help me I am trying my best  XXXX  bless you
XXXX XXXX XXXX failed to make payments from escrow for taxes and insurance on a mortgage account. 
On XX/XX/2016 I received a notice from my insurance company that the annual premium for the real estate insurance had not been paid. I then logged into my account with XXXX XXXX XXXX and discovered that neither the insurance or taxes, which were both past due, had been paid out of the escrow account. I then filled out their online contact form and mailed a copy of the bill to the address indicated on the back of the monthly statement. No response to either correspondence has been received. I filed a complaint with the XXXX and the company failed to respond to either inquiry from them. I have since paid the insurance bill to keep the account in good standing. The tax bill is still due.
Dear XXXX : I had some XXXX seller fees that I paid double on. These were paid automatically, and manually. I was unaware of the automatic payment, which had posted to my bank account. Having sufficient funds to cover this amount, I made payment upon it. I had no other pending transactions or activity. My account was at a positive level. Having immediate pharmacy needs, I withdrew from my account knowingly bringing it to a negative balance and accepting a single overdraft fee of {$35.00} for that withdrawal. From XXXX ( the date XXXX received payment ) to XXXX XXXX when I deposited what I could ) my account still reflected this. I also filed a refund for the double payment to XXXX. On XXXX I was charged with XXXX additional overdraft fees of {$35.00} for the XXXX XXXX transactions ( amounts of {$3.00} and {$0.00} ) made on XXXX before my account was overdrawn. Wells Fargo agreed to reverse the XXXX overdraft charges for payments that were in the amount of {$3.00} and {$0.00} once they receive a refund from XXXX. However, I still can not help but notice that my account balance was sufficient to cover these XXXX transactions before my account was overdrafted by an ATM withdrawal. XXXX has a receipt of payment posting at around XXXX and XXXX before the withdrawal according to the ATM receipt. In addition, a Wells Fargo email shows that my balance was on point to this sequence as of XXXX/XXXX/16. I can only conclude that the {$3.00} and {$0.00} were delayed by the bank after my ATM withdrawal leading to XXXX additional fees of {$35.00} each. Being in California, I beleive that this is illegal XXXX Wells Fargo XXXX which was upheld last month the the XXXX XXXX XXXX XXXX XXXX XXXX I have been making deposits to my account to pay for the single overdraw that I willingly made, however, I am still stuck with {$70.00} of fees on {$3.00} in transactions. I have written to Wells Fargo numerous times and been given the 'run-around. ' This has had a claim filed, correspondence with customer service, and passed up to the executive office with no action yet taken. Word has been given to reverse the charges upon refund, but still this does not mitigate the fact that the sequence of transactions makes the fees unwarranted. Either way you cut it, this rests in a realm between terrible customer service and questionably legal business practices.
I submitted a revoke letter to stop an automatic payment to Americash Loans on XX/XX/2017 twice and I was told they never received it. I send a third request on XX/XX/2017 straight to one of their agents, I called back to verify the employee received it and she rudely replied with a yes. This employee explained that it was in effect immediate. On XX/XX/2017 this creditor continued to debit my bank account. I immediately called them and they called my bank to verify that the payment had posted. I was then told I needed to wait to call back on XX/XX/2017 ( Monday ) because there was no manager available.
I have a credit card with Chase. It is past due on payment right now and I'm aware of the situation and I'm doing everything I can to get back on track. Chase is repeatedly calling me, when I answer they hang up and then call right back. Today since noon I have received in excess of 40 calls. I'm not avoiding the company but when I answer I get no Responce. I have all the calls recorded and phone records of the amount of calls. Their intent is to harass and cause undue hardship with emotional distress on my current situation. Please help.
I tried to see my free credit report and I could not see it because you asked me questions about my wifes credit reports and theres no way I can answer her questions because we have not been married long and it stuff from her XXXX marriage and she wont give me the answers, Why are you asking me questions about her on my report and not asking me questions about me?
H & R Accounts Inc. is a collection agency who has had a collection account on all 3 of my credit bureaus since XX/XX/XXXX and at least on 4 occasions has changed the amounts owed. They have also stated on the credit bureaus that I made one payment of {$26.00} on XX/XX/XXXX. I have never made a payment to H & R Accounts Inc. I was able to obtain from Original Provider ( Clinic ) a list of payments I 've made since XX/XX/XXXX when the debt allegedly commenced. Not only was there not any payment made in the amount of {$26.00} or anything {$26.00} and since I 've been on XXXX there have been no payments for anything sinceXX/XX/XXXX. I disputed this erroneous information with all 3 credit bureaus twice and everytime H & R Accounts Inc. verified as there information as accurate. I sent them a request for validation XX/XX/XXXX which they received XX/XX/XXXX and  confirmed by H & R 's representative XXXX on XX/XX/XXXX via 3 way phone call with XXXX to get method of verification. On that phone call XXXX stated the information was accurate and when I told him I have never made a payment to H & R and I wanted to know the method of payment he said he did n't know how it was paid and started to become irritated. I asked him about the balances and how they changed as it did n't correlate with what I had received from the original provider ( clinic ) and he hung up the phone. There are a few other smaller issues with the collection account but these were the main reasons of my complaint.
I have been disputing a item on my credit profile, XXXX, I contacted that company and they provided documents of the debt with no signature. I don't recall such a debt so I want proper verification of the debt with my signature, I have a open complaint against this company and the company XXXX another collection company and Equifax. I was contacted by Equifax by letter saying that the debt is verified as belonging to me,
I opened a " Virtually Wallet Spend '' account at PNC Bank on XX/XX/XXXX. This account was to be fee free if certain depository conditions were met. I satisfied those conditions and incurred no fees until XX/XX/XXXX. At that time and each month subsequent through XX/XX/XXXX a {$7.00} fee was charged to my account because I did not meet a minimum balance requirement of {$500.00}. The total amount charged to my account has been {$100.00}. 

I contacted the bank to complain and demand a refund of these fees as I did not receive notification of the change. They explained that the fee structure change was included in my XX/XX/XXXX monthly statement. In their opinion, that was notification. I am of a different opinion. 

I have paperless statements. I do not receive statements by mail and I do not receive statements by email. Instead I receive email notifications that my statement is available on their website.The following is the message portion of the email received XX/XX/XXXX : The Online Statement for the account listed below is now available for viewing. To view your Online Statement, you must sign on to PNC Online Banking and click on Online Statements. 
This statement will continue to be available for up to 7 years through Online Banking. 

If your e-mail address has changed or will change, please update our records by selecting the Customer Service tab in Online Banking and clicking Online Statements E-mail. 

If you have not done so already, please add the sender of this e-mail to your e-mail address book to ensure ongoing reliable delivery. 

Thank you. 

There is absolutely no reference to a change in fee structure in this message. 

The question may be asked why I don't look at my statements? In the time between opening the account to the first fee being taken, I had initiated 9 transactions. The last three were inter-account transfers in response to notifications of inactivity from PNC. Certainly they then were aware that this was not an active account. Certainly they had the ability to communicate directly with me when the circumstance suited them. Clearly they would prefer to fee me than notify me of the change. 

It should also be noted that I maintain an interest bearing account that had more than {$500.00} in it. I received XXXX cents of interest in XXXX on it. In XXXX I have received another XXXX cents to date. I will note that aside from inter-account transfers, I have had one transaction in this account since opening it on XX/XX/XXXX. 

It is unreasonable and unethical that account term changes be communicated in any fashion other than DIRECTLY with  the account holder. This should be done by first class mail in my opinion, but at a minimum, in an email that succinctly summarizes the changes occurring and a revised account agreement. Burying it in an electronic statement that needs to be retrieved from a bank 's website is an invitation to abuse of numerous deposit holders who have no reason to expect any changes or transactions such as myself, or others who do not have the wherewithal or access to obtain their statements even if they elected, frequently with inducement, to receive their statements electronically.
in 2015 i was in a domestic XXXX situation, i had just gotten out of school. i had been going to court for a restraining order and couldnt make payments, i called for a deferment or a forbearance and i received it i was told it would back date payments that were past due. the 2 late payments are still on my loan history as of today. my records show that i didnt get my late payments removed. XXXX in the executive office sent me a email with a different last name which makes me think she never once looked over my account. i want those 2 late payments as promised removed when i selected the forbearance or deferment.
i have been calling ruschcard since wednesday about my direct deposit and all they have been telling me is that, they are working to fix the problem. {$470.00} direct deposit hasnt been recieved and now i have bills piled up and a car about to get repoed because i dont have my money.. i have a XXXX baby to take care of and she needs alot of things that i can not get. XXXX transactions were made at atm but i recieved no money out of and my account was charged for. Rushcard said theres nothing that they can do about it.
Our client filed chapter 11 in XXXX and our plan was confirmed in XXXX paying the principal back at .00 % interest, no escrow, no insurance. When the loan was transferred to Nationstar, the cram-down had not been acknowledged by the previous lender which showed the client 's principal balance at a higher rate and an escrow account was in place. I have been trying for over 8 months to get Nationstar to acknowledge and provide us with the correct principal balance and it always comes back as a higher amount with an escrow account in place.
We Continue having a credit reporting issue, from all credit agency  XXXX   XXXX , Equifax,  XXXX . Reporting that we still have an auto loan from  XXXX   XXXX   XXXX    XXXX   that no longer exist. We continue to ask this issue to be corrected without success. Any help with this problem would be appreciated.
On XXXX XXXX, XXXX Cavalry Portfolio Services LLC ( CPS ) filed a complaint against me. They served me on XXXX XXXX, XXXX ( docket is attached ). I filed a Notice of Dispute requesting debt validation into the court record on XXXX XXXX, XXXX. I never received debt validation. I filed my Motion to Dismiss on XXXX XXXX, XXXX after requesting an extension of time to respond. The Plaintiff 's attorney filed paperwork into the court record without providing me any copies on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, the Plaintiff filed an Account Settlement into the court record without my receiving or agreeing to it. A hearing was set for my Motion to Dismiss on XXXX XXXX, XXXX. Prior to that I filed a Motion for Leave to Amend the Motion to Dismiss on XXXX XXXX, XXXX because there was new information I found. At the hearing on XXXX XXXX, XXXX, I informed the court that it had no jurisdiction over me because the complaint was filed XXXX and I live in XXXX. I also informed the court that the Plaintiff lacked standing because the Bill of Sale and Assignment of Loan attached to the complaint stated that loans were sold to Cavalry SPV I , LLC ( SPV ) and it did not identify me or any account of mine. CPS and SPV are XXXX different entities. CPS is from XXXX and SPV is from XXXX. The Plaintiff 's attorney told the judge that if she granted my Motion to Dismiss, the Plaintiff would be unable to file a new lawsuit because it would be outside of the statute of limitations. Incredibly, the judge allowed the Plaintiff to be substituted on XXXX XXXX, XXXX! It is not my fault that the Plaintiff lacked standing because the attorney named the wrong Plaintiff. Furthermore, the Plaintiffs have never validated any debt to me nor provided any assignment of a debt contrary to XXXX Statute XXXX. I timely filed my Objection to Substitute Plaintiff on XXXX XXXX, XXXX and requested a hearing, which still has not been heard. My Amended Motion to Dismiss will be heard on XXXX XXXX, XXXX. This debt collector has affected my reputation by having a complaint against me since XXXX which was served in XXXX. These debt collectors had no right to sue me when they never provided to me any debt validation including loan level documents, contracts, terms showing the interest changes, how the amounts were calculated, who the original creditor was, etc. 
The court is permitting this debt collector to change the party suing me almost five years after the lawsuit was filed. It is not my fault that this debt collector has faulty records and does not know what it is doing and who it should sue. I do n't understand how a Plaintiff can be substituted after more than four years in a lawsuit. The Plaintiff was conceding that they had no right to sue me as CPS and requested that the court allow them to continue to harass me by permitting the change of Plaintiff.