WillisBack/dataset-financial-user-claim huggingface dataset:
with " automatic bill pay '' my account was withdraw XXXX ( same amount XXXX dollars, on XXXX XXXX, and XXXX XXXX. ) When I checked online to see if my pension money was available I noticed the mistake. This mistake made incur in overdraft, so they start withdrawing a XXXX dollars fee ( XXXX times ) they did n't do it more times because I got my XXXX money deposited and the account had founds. 
Bank of America, send emails to see if their service was good, they call you to offer you new products, but they never called me, to tell me they were withdrawing this fee in an abusive way. Because, XXXX can be a punishment, more than XXXX about the same without notice to the affected person shows they are profiting without any ethical principles. 
I went to the bank in person, they sent me home, this issue can be solved only over the phone ... Next day, called at least they transferred me to XXXX different people and explain the whole issue since the beginning, maybe their solution was to make me give up, instead to give me a professional answer. 
They agreed about the mistake ( almost one hour later ), and refund XXXX dollars ( when really they deducted XXXX ), so I have other call pending to claim on the same. 
This is no the proper way to treat a XXXX who is a loyal customer of them for the past XXXX years at least. 
I got punished for their mistake in XXXX, and same problem had occurred on XXXX, so is recurrent this unfaithful practice. 
How they can do with me and my money whatever they want, and I have just to watch? 
I am just a person who lives on his retirement money not an account knowledge professional. 
Why Banks do n't inform the client as soon as they take money as " penalty ''? and really at my XXXX years old I did n't feel treated with respect and understanding.
This is the third time I 've contacted you about Capital One. The name on the credit card is XXXX XXXX, last XXXX of account is XXXX. They restricted my account, I do n't know why. I have submitted all the information requested and even made payments with my bank account on line and I 'm am still getting letters telling me they think my account is fraud. It is not. I have written letters and called them to refer correspondence to my attorney 's address and they are still sending letters to my home. I have done nothing to indicate fraud and I have been more than accommodating in helping straighten this out. I still have n't received a credit of the {$25.00} late payment fee they charged me for my first payment even though I sent it in 3 weeks in advance. They charged me more interest too. I am furious about this and I want the interested back dated. I want the restriction taken off my account and I want my credit restored.
On XX/XX/XXXX, I initiated a refinance of my existing mortgage with Wells Fargo Bank and had just completed my home inspection on XX/XX/XXXX. On XX/XX/XXXX, I heard a news report about Wells Fargo foreclosing on 500 homes. News report said Wells Fargo was pointing to a computer glitche. This made me nervous so I cancelled my loan preparation with Wells Fargo and began with another loan company. In the meantime, the appraisal company ( XXXX XXXX ) filed the appraisal with XXXX XXXX for Wells Fargo. My new loan company ( XXXX XXXX ) is unable to use the new appraisal for my loan unless Wells Fargo provides a release letter to them and complies with other transfer itsms. I began calling Wells Fargo on XX/XX/XXXX to get them to provide a letter releasing my appraisal and other documents to XXXX XXXX. The Executive Office of Wells Fargo received my case file and has stated that it is their policy " not '' to release appraisals for liability reasons. I asked for a reimbursement of my {$500.00} appraisal fee or the documents releasing the appraisal ( I prefer an appraisal release so that I can continue my ref ) and was told by XXXX XXXX on XX/XX/XXXX that they could not do either. On XX/XX/XXXX, I contacted XXXX 's team leader, XXXX XXXX, who assured me he would get the docs to release the appraisal. My new loan company has not yet received the paperwork and I have left two messages with Mr , XXXX to call me and have no responses. I am on a timeline with XXXX XXXX and ready to do final closing paperwork if I can get the release on my appraisal. I feel I do not have to pay for another appraisal when the one conducted by Wells Fargo and paid by me is a valid appraisal that I can use. Wells Fargo is citing liability issues if they release my appraisal but I see no validity to that reason. The only liability is on the appraisal company if they did not do the appraisal by the standards. Please help me with this problem.
I got behind on my payments which are due every two weeks because I started a new job. When I got established in the new job I set up a payment arrangement to pay every Friday ( pay day ) until I was caught up and I was keeping the arrangements. However, the company keeps calling me to collect and I tell them that I have a payment plan in place but the still call EVERY DAY. I have talked nicely with them and they keep saying that will notate the account and the calls will stop but they have not.
I refinanced my loan with Wells Fargo. The original GFE had my closing cost at about {$2500.00}. The final closing costs ended up being over {$3600.00}. Most noticeably the Origination charge went from {$820.00} to {$1200.00} with nolear explanation. ( email attached ) There was also {$590.00} taken out of my escrow account that Wells Fargo said was used toward my closing. When I questioned this, no one could give me a clear explanation of where the funds went. Only that it was used toward my closing costs. When I calculated my payoff compared to my closing costs, there is no way the {$590.00} was used toward the closing costs.
Chase Bank altered their overdraft protection policies, resulting in a {$34.00} overdraft fee to my checking account. Rather than move the money from my savings account to cover the {$6.00} overage ( as per their past policy ), Chase Bank in under 24 hours added a {$34.00} overdraft fee to my checking account. 

Upon going into the local Chase Bank branch to report what I believed to be a mistake, I was informed that this was their current policy. And, although Chase removed the fee, the banker informed me that he would not remove a similar fee again.
Ditech Financial LLC has been attempting to collect a debt which has been assigned to my ex-husband upon our divorce. This is listed in our divorce decree ; and I have signed a quit claim deed to the property. I have provided them with all necessary documentation including the divorce documents indicating this debt was the responsibility of my ex-husband. In addition, Ditech was not the original lender and they have not provided information indicating they can even collect on this debt. To clear my name of this, they offered me a settlement of {$4300.00}. I provided all necessary documentation to the agency and agreed to the verbal contract to simply clear my name of the process, however they retracted the offer and asked for {$10000.00} as a settlement even after I provided them with financial information indicating I did not have {$10000.00} to pay them. They have continued to harass me by phone.
In XXXX and XXXX 2016, I filed two complaints with CFPB against Bank of America in XXXX XXXX California ( XXXX and XXXX ) and for some reason I was quickly locked out of my account ... Therefore I could not get in to receive updates on this process ... okay restore my account information.
I have applied for absolutely no credit this year. I have had no need. XXXX  and XXXX have honored my request to remove fraudulent inquiries on my credit. Equifax has not. There is not a single credit application I have signed this year for credit and because my identity, the result of the Equifax security breach that affected millions has been compromised, Im suffering as well and Equifax is failing to do what the others two bureaus have done which is remove all fraudulent inquiries this year on my personal credit.
I received treatment at a medical facility in the summer of last year. Multiple charges were incurred and my insurance carrier paid all but XXXX or XXXX. The ones they did not pay were coded incorrectly by the medical facility so they were declined ( I was completely unaware ). I was contacted by the debt collector almost 8 months after I received the treatment. They actually contacted my wife and I called them back immediately. I disputed the debt and asked that they provide me with some information so that I may contact my insurance company and get the matter resolved. I was completely unaware of the debt, but was willing to resolve it as it should have been paid prior to collection. The information that they mailed me was a XXXX page document with absolutely XXXX details on it. After several conversations with the insurance company, they indicated that they would contact the medical facility and would be reprocessing the claim. In the meantime, I had asked the debt collector if this information was going to be reported to the credit bureaus. They assured me that no reporting would take place, especially considering the billing situation and the fact that I was disputing the debt. They lied. In XXXX of this year, they reported the debts. As a result, my credit scores have fallen XXXX points. This is completely false and deceptive. I have never received another communication following up on the dispute or trying to check the status on the insurance claim. I updated my address and phone number with them. There is no excuse for zero communication and immediate negative reporting on my credit bureaus. I am demanding that these debts are removed while the insurance company works through the billing. Had the medical facility properly coded the services and had the debt collector communicated properly, I would not be in this situation. I feel completely powerless here. I worked hard for years to keep my credit scores above XXXX and to lose XXXX points because of this incompetence is unacceptable.
We have been attempting to modify our home for several years to no avail. I filed a complaint 6 month ago against my previous mortgage company ( XXXX ). After the complaint was filed they sold our mortgage to BSI Mortgage Company. BSI Financial Services offered us a modification that was 60K plus over the value of the property and wanted to attached a second mortgage also. If we were to undergo another hardship we would have to pay 60k plus out of pocket to sell the property. Reluctantly we could n't afford to be trapped in a mortgage that was up side down no knowing the future. After rejecting this proposal we were forced into a short sale option. We hired a agent and completed the process of submitting a contract to sell the property. BSI Financial services rejected the offer and now they are telling us that the property has a m sale date for XX/XX/2017. If we have a short sale option why is there a foreclosure date on property. We really want to keep the property but we are being forced out. Furthermore XXXX XXXX XXXX stated we would receive XXXX for relocation expenses which we would need to relocate. CFPB can you please assist us in the matter..Please & Thanks XXXX & XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX Loan # XXXX
I have had a recurrent issue with getting a resolution regarding the inquiries on my credit report with the  Transunioncredit bure au. I have sent a notarized letter and have spoke with representatives on several occasions. There are hard inquiries on my credit report that I did not authorize and not aware of the company at all. The credit bureau has failed to properly investigate this issue and has sent me a generic letter stating that the inquiries are accurate but they have failed to send me proof of the accuracy. The inquiries that have been disputed and not resolved are the following :  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX   XXXX   XXXX  and  XXXX . I appreciate CFPB looking into this matter further.     Best Regards,  XXXX   XXXX
My daughter and I lived with XXXX XXXX in XXXX, Tn for over 5 years. In XXXX 2017, I ended up moving back home with my parents to help them financially until my dad was able to get his XXXX. My deposit when I moved in was {$550.00} which was also my rent amount every month. I am a single mom with one income no child support who struggled to make it but I always paid my rent. There were times that I was late paying it but always paid it before the XXXX of the month which is consider the eviction date. So they would tack on the late fees of {$50.00} a month which is fine because that was in the lease, I would pay over the amount of my rent ( {$550.00} ) when I had the extra to pay my late fees. I never caused any trouble at my apt . I never had any complaints from them or my neighbors, I never complained to them about anything, in the 5 years I lived with them I only called them 2 or 3 times to come fix things because I would do it my self. The ladies that run the office at XXXX have never been the friendliest people to encounter, they are usually rude and short ( not just to me, but everyone, I have had people tell me they walked out of there office before even looking at any properties because they were so rude ). 
So my complaint and issue with them is, the guy told me on my exit inspection that my apartment looked great and I would get my full deposit back, which I knew I would not because I had some late fees that I owed. They sent me a letter a couple months later stating that I owe {$580.00}. I called them asking how in the world do I owe that much when you still have my deposit of {$550.00}. They stated that they can not use my deposit toward my late fees, which makes no sense what so ever. I basically only owe them {$30.00} but they wanted me to bring in {$580.00} and them turnaround and mail me my deposit back. I told them I would bring the {$30.00} to them but never got around to it because the last few months have been hard as my dad has been sick in and out of the doctors and hospitals, my mom is about to have XXXX, just a lot going on. They have now turned me over to collections ( Rent Debt Automated Collections ) but in the amount of {$780.00}, I am not paying that when they still have my {$550.00} deposit and I technically only owe them {$30.00}. I will gladly drop off {$30.00} to them. The collection amount is incorrect and should not be on my report for that amount.
Navient locks you out of your account after only three tries when you make an error in typing in your info, but you have no idea which error you made. 

That might not be so bad except you ca n't unlock your account unless you call them during business hours mon-fri But working people ca n't take time to spend a half hour on the phone with them during m-f business hours. 

Why ca n't you even call them on a Saturday?
I contacted this collection agency back in XX/XX/2018 regarding the validity of this account. According to my FCRA rights, the company has 30 days to verify debt or it must be deleted. I have never received validation.
This is fraud but I still paid them in order to get it off my credit report! This needs to say " removed due to error '' or something instead of " paid in full '' this debt is not ligitemate PLUS it's been paid! See attached proof!
I have been fighting with this bank since I came back to island and found out that somehow they acquired my loan from my prior lender. I have everything set on auto-pay for my mortgage from my lender for years so there would never be any sort of issue. 

I was off island on international travel and had no access to snail mail - once I returned, I found that M & T Bank had bough my mortgage roughly three months prior. However my payments kept going to the old financial institution. I provided all proof that the payments were in fact made to the old bank, and wrote letter after letter that I was out of country and had NO way to know this had transpired. NOT one phone call from M & T Bank to tell me they were my new lender or that I had outstanding payments with them - when I asked WHY I did not get an email or phone call I was told they do not have my contact information - so let me get this straight, you can buy out my loan on my mortgage but not have my phone number? This makes no sense whatsoever.

They reported me 60 days late on my credit report which was well over 800 and now dropped over 160 points because of this - I had my own current bank prove the payments were sent from my checking account and the funds withdrawn every month ( so I would have had no idea there were issues ), the old mortgage company even sent a letter to M & T Bank stating they did in fact receive the payments and they ended up refunding those to me. All of this was faxed to M & T Bank as requested and letter after letter they mailed back and said NO they will not fix the problem. 

The money was eventually paid to M & T Bank however due to no fault of MY OWN I now have a significantly impaired credit rating and they still refuse to take off the {$140.00} in late fees. 

This bank is a sham - I am reporting them to federal lending act as well as the VA as my mortgage is backed by the VA and this organization should not be allowed to service or take advantage of veterans. 

I have been dealing with this nightmare for well over 8 months and they REFUSE to fix my credit or take off the late fee.
I received correspondence from a collection ageny accusing me of owing a payday loan debt from XXXX from a company I 've never heard of .When I inquired about being provided in writing proof that I owe this debt, the collection agent refused to provide me details in writing stating that it will be presented in court.I asked for the proof because without informing the agent I wanted to see if there was a signature of any sort on any documents and compare to my own.Around XXXX my mother was a victim of identity theft and I want to make sure I was n't affected as well.The agent mentioned a bank that I supposedly wrote the check from and I have never opened or maintained an account at the bank he mentioned.The interesting thing is I have never heard of this company before ( Advance America ) and I have never taken out a payday loan with them.I asked about three times if the information could be provided showing proof that I supposedly owe this money and the agent refused to provide proof of documentation which I thought was required by law anytime you are being accused of a debt. The correspondence also reports that I need to pay to have it removed from my credit report but what is interesting is that it is not on any of my credit reports which made me even more suspicious of this situation.These people are threatening to sue me and place a judgement on my account and wage garnishment as scare tactics which has to be illegal as I truly believe these to be false claims.If I supposedly owed this from XXXX then why in XXXX would they suddenly attempt to collect a so called debt that they claim I owe? I 'm certain that if such a debt was owed, they are beyond the statute of limitations.The company 's information is as follows : XXXX ADVANCE AMERICA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX
The card promised the benefit listed below but after payment of my annual fee I received notice this benefit was ending as of XXXX XXXX, 2015. I called for reimbursement of my {$60.00} annual fee and was told that was not possible. I paid my fee but US bank did not honor their part of the agreement. 

2.Bonus Award Night : When you redeem XXXX for Award Nights of XXXX or more consecutive nights at the same participating XXXX XXXX hotel property, you will receive the last of the Award Nights of that stay free without deduction of any XXXX from your Club XXXX account ( " Bonus Award Night '' ). Your Account must be open and reservation must be in the XXXX XXXX member 's name and use the member number associated with your Account to be eligible for the Bonus Award Night. The Bonus Award Night offer is available only on advance reservations for Award Nights paid in full with XXXX XXXX and is not valid with standard paid reservations or XXXX redemption reservations. Only XXXX Bonus Award Night will be available for a stay of XXXX or more consecutive nights at the same hotel ( early checkout with XXXX night stay not eligible ), regardless of the total length of stay, the total number of reservations or the number of check-in/check-outs, is subject to availability and all other terms and conditions and cancellation policies regarding Award Nights apply. Does not apply to additional reservations booked as contiguous stays at the same hotel. Only XXXX room per reservation, per hotel for an Award Stay will be eligible to receive the Bonus Award Night offer. Your Account must be open at the time of redemption to qualify for Bonus Award Nights ; any Award Night reservation made before your Account was open will need to be rebooked to qualify ( rebooking is subject to availability ). Maximum XXXX ( XXXX ) Bonus Award Nights per calendar year per member with an open Account ( " Annual Maximum '' ). If a reservation with a Bonus Award Night is subject to a cancellation penalty, the Bonus Award Night from that reservation will count against the Annual Maximum. A Bonus Award Night has no XXXX or cash value and cancellations involving a Bonus Award Night will not result in the credit of any additional XXXX in your XXXX account
15 U.S. Code 1692g - Validation of debts -i never received the first 30 day notice under federal law that shows XXXX XXXX has my important identifying information which is very frustrating and falls under fraud. they need to remove both collections they have placed on my credit report. 
They are also in violation of Fair Credit Reporting Act and Fair Debt Collection Practices Act.
I have been disputing a debt from Portfolio Recovery Associates. In response to a request for proof of validation, PRA sent me a bill saying that I owe a balance of {$180.00} This is not a proper validation of the debt. In response, I submitted a complaint to BBB demanding that PRA send me proper validation of the debt and proof that I signed a contract to pay this debt. I specifically listed items that I would like in order to validate this debt. PRA did not send me this information once again. In response to my complaint to BBB, PRA claims to have the documents that I am requesting but they still have not sent them to me. I refuse to take their word it and demand that they send me this supposed information they claim to have, including the names and phone numbers of those that they spoke to in order to obtain that information. Given PRAs delayed delivery of the requested documentation, I am convinced that they really dont have any information to give me other than a bill that they keep sending. I have advised PRA that they must remove this debt from my credit report if they can not validate it AND send proof of validation.