WillisBack/dataset-financial-user-claim huggingface dataset:
On   XXXX   XXXX   @  XXXX , I went to the Santander Bank located at   XXXX   XXXX   XXXX   XXXX   XXXX  , Massachusetts. I went to the drive up window to DEPOSIT my Federal tax refund check to my checking account. About 2 minutes went by and the teller stated she could not cash my check since the check had my name and my wife name on it, I replied "I DONT WANT TO CASH IT< I WANT TO DEPOSIT IT". She stepped away and the manager came to the window and she also stated "WE CAN NOT CASH THE CHECK WITH OUT MY WIFE". I replied I DONT WANT TO CASH IT I WANT TO DEPOSIT IT. She said it did not matter she had to be present or have her name on the account. At this point I was very frustrated and asked for the check back and told her I have done these transactions before with no issues, Also what if my wife was disable and I could not get her to show up just to show ID or what ever she was looking for, Or I would just use the ATM? I got no answer from her so I asked for her business card and told her Im going to contact her upper management about this matter. I drove away and contacted Santander Bank and waited on hold for 45 minutes before hanging up the call since I could not wait any longer. I looked up there policy on depositing checks and it states as long as the check is endorsed it will be deposited with a hold on the funds until the check clears, Which I am fully aware of that policy, But to drag my wife to the bank to DEPOSIT a check  ? I could have deposited the check at the ATM or with the mobile App, But went to the window and got nothing but bad service which the bank promised in there adds and other media sites along with there mailers I receive once a week. The bank needs to look into this matter as I will not hesitate closing my account and taking my business else were, were tellers and bank managers are better educated on there policy in servicing customers. This matter has stoped me from using this bank for services pending the out come of this matter.
Glasser and Glasser , PLC XXXX XXXX XXXX, XXXX, VA XXXX This attorney has served me a warrant in debt with XXXX XXXX. I have not been given an opportunity to dispute, request verification, or settle if it is in fact owed. I do XXXX  XXXX and work out of state and I use my parents home as my tax address. Upon contacting my mother, I have been made aware XXXX XXXX  has harassed my parents home as well which I do not reside calling every 30 minutes daily for a period of time. I will be obtaining records of these phone call attempts made which is harassment under the FDCPA. I intend to countersue both the attorney and XXXX XXXX  for violations under the FDCPA and damages for having to arrange to come home to appear in court while working as a XXXX XXXX out of state if this case is not dismissed.
I have had this phone number for 6 years now and I keep getting phone calls from debt collectors for   XXXX   XXXX   despite the fact that I have repeatedly told them that I do not know who that is, that this is not his number, and to stop calling me. Atlas Financial will not stop calling me despite me having told them this information several times. They call me at least once per week and sometimes they call more than once in a day, they call me with a robot pre-recorded message, they also call me sometimes with live people, they skip the phone call part and somehow direct themselves directly to my voicemail without my phone showing an incoming call at all, and sometimes they actually do make my phone ring before going to voicemail. There are also signs that this is a scam because when I  XXXX  Atlas Financial it comes up with a company that has nothing to do with debt collection, but I do not care to check into it deeply since I am not the person they are supposedly trying to reach anyway. The number they call from is  XXXX  although they have also called from a blocked number and from a phone number in  XXXX , Washington that I did not keep a record of. Their pre-recorded voicemail message that skips having my phone ring says, " We have an important message from Atlas Financial Services, this is a message from a debt collector, please call  XXXX  or visit our website at www.myatlasaccount.com. '' The reason I know they are looking for   XXXX   XXXX   is because when they periodically have a human call me that is the person they either ask to speak to or leave a voicemail message saying they are trying to reach. Please make them stop calling me.
I received a notice from PNC Bank on XX/XX/XXXX, noting that I owed {$130.00} in " past due payments. '' If I do not pay this amount by XX/XX/XXXX, I will owe nearly {$80.00} in additional fees. 

There was no explanation for this " past due payment, '' and when I logged into my online account, it gave no indication that I missed any payments or owed {$130.00}. 

I called PNC Bank at XXXX, and they put me on hold for 45 minutes before someone spoke with me. The bank rep said he thought the amount was in error, saying that my financial product had recently gone through some kind of IT upgrade, which created a lot of similar problems with other customers. He told me I could probably ignore the problem. 

My problems with this are two fold : 1 ) Until PNC gives me something in writing saying that the {$130.00} payment was in error, I can't be confident that it really was. So, I have to continue to do my due diligence to make sure that what the telephone rep told me is accurate. This means following up with PNC, spending more time and energy in the days/weeks ahead. 

2 ) I spend almost an entire hour on the phone with PNC today ( the vast majority of it waiting to speak with the representative ). If I have to follow up on this problem, I will have to spend an additional hour. I've already escalated the problem and am supposed to get a phone call from another rep within 24 hours. 

If and when a consumer makes a mistake, banks almost always charge very hefty penalty fees. But when the bank makes an error, why doesn't the bank pay a compensation fee to the customer, for lost time and energy? A bank 's ability to create these kinds of headaches for consumers with no penalty feels like a major abuse of power.
I contacted my bank this past Thursday to file a claim for XXXX due to unauthorized transactions through XXXX the smaller charges were credited back to my accountthe next day however the largest of the charges the on XXXX I was told would be XXXX account the next day. When the next day came and passed I was told it would take XXXX he's that time passed I called for 2 days and was to some one from investigation would return my call after that didn't happen I became overdrawn by XXXX I told them prior to this that I don't like to over draft I keep getting the run around it feels like.
My contract with XXXX XXXX XXXX had expired in XXXX 2016. After my contract expired I was billed {$71.00} I asked the XXXX XXXX XXXX representative was I going to be charged and she stated NO. I 'm not responsible for this debt when my contract has already expired.
I have asked Shellpoint to forward my Mortgage note four times to XXXX XXXX and they have lied all four times. They impleading my refinancing to lower interest loan. I have three way calling recorded of their lies. And because of their using this by standing in the way stalling I could lose the refinancing to lower payments. Its not fair.
I cancelled XXXX and paid the final bill on time there was a cancellation fee of {$690.00}. There was no timeframe to pay this fee so it was paid in installments for XXXX months. XXXX gave no notification this was an issue. Not sure who this third party is as all payments were made directly to XXXX.
XXXX XXXX XXXX XXXX in XXXX Michigan states I was late in XXXX, XXXX and XX/XX/2018. I paid off my car loan in XX/XX/2018. This account was paid on time for the whole contract. I wrote letters, called and also dispute on my credit report with no answer or help. Its getting frustrating and also damaging my credit report. I submitted a request for my title in XXXX to be sent with the company name removed off of it and never received the title. i am unable to upload any documents at this time.
I deposited to BB & T on XX/XX/2016 XXXX {$1000.00} checks ( balance transfer checks ) from my LL Bean Visa Card acct. The deposit receipts stated {$1000.00} on each along with the date stamp. Later that day upon checking my acct online, there was only {$100.00} each noted as " pending ''. On XX/XX/2016, I called the BB & T manager and was told the rest of the deposit would be available XX/XX/2016. Previously the same type of check for {$800.00} was deposited XX/XX/XXXX and when I inquired the teller told me that type of check would be available immediately. On XX/XX/2016 I made a transfer of funds from my money market acct to my checking acct to avoid overdraft fees and that was also tagged as pending. Please note that my accts are well funded and stable. On XX/XX/2016, I also made a {$500.00} deposit at XXXX XXXX and their receipt showed exactly how much ( {$400.00} ) was available that day and how much ( {$100.00} ) would be available on XX/XX/2016.
I have Never applied for an auto loan with TD bank, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX However, there are two inquiries on my credit report dated for these lenders all on XX/XX/2017. I contacted the lenders, and there were unable to provide me with proof that I applied for an auto loan with them and gave them permission to pull my credit.
Midland Credit Management Inc. ( MCM ) notified me in XX/XX/XXXX that they were trying to collect an outstanding balance from my account with XXXX account for the amount of {$1800.00}. MCM informed me that the address on the XXXX card application was 15005 N.E. 6th Ave., # XXXXXXXX, FL XXXX. Thereafter, the credit card statements were sent to XXXX XXXX., XXXX, PA XXXX. I have sent MCM XXXX written dispute letters, with evidence, stating that ( XXXX ) I have never lived in Florida nor visited Florida anytime in XX/XX/XXXX or thereafter and, ( XXXX ) I have not resided at XXXX in XXXX. I previously lived at a different XXXX address but moved to my new home towards the end of XX/XX/XXXX. I also filed a police complaint with the XXXX Police XXXX. on XX/XX/XXXX to report this identity theft and issue with the XXXX. Since the police report was incomplete, the XXXX police department, is investigating this case again and helping me resolve the issue. Additionally, I have reported the disputed credit card balance and placed fraud alerts with the XXXX credit card reporting agencies. On XX/XX/XXXX, I again renewed my fraud alerts with the credit reporting agencies. 
Despite my letters and evidence I provided MCM, their XXXX Department alleges that they have not received any written communication from me disputing the outstanding credit card balance in my name. Note : MCM 's legal dept. also informed me that they have not received any of my disputed reports from the credit card balance from the credit reporting companies. Subsequently, they have subpoenaed my to appear before the XXXX on XX/XX/XXXX to contest the claim. 
Upon receipt of the subpoena, I called MCM 's legal department and its Consumer Support Services ( CSS ). MCM 's XXXX informed me that received reports of my dispute for the outstanding credit card balance from the credit bureaus on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXX also notified me that they have received my written dispute letters contesting the MCM claim. 
I had previously provided them proof of my previous and current address, records from XXXX city hall to show that I was not an owner of the XXXX address. I also sent them a copy of the police report. However, MCM has been harassing me and refuting receipt of any information from me. To ensure MCM 's receipt of this information, I will be sending them all mentioned proofs again, together with an FTC report. Please investigate MCM and advise any further actions
Citibank/CBNA has re-aged my accounts. They should no longer be on my credit report due to the statute of limitations in Texas. Instead of removing them they have been reporting that I have been making payments in order to re-age both of my accounts with them. For one ( starting with XXXX ) they reported a payment as recent as XXXX of 2017 with XXXX. I have tried to dispute the accounts with each of the credit bureaus and was not successful due to Citibank stating false payment information. I have also faxed Citibank asking that they no longer re-age my accounts and delete them from all three bureaus.
I am reporting wrong information on my credit report XXXX XXXX XXXX was deleted from off my XXXX XXXX account and still showing on my Equifax Report this account is close with a {$0.00} Balance
Three men came to our home to tell us about their alarm system. They saw we currently had XXXX alarm system and explained that our alarm system was not the same caliber as theirs. They said that their alarm was better because it was wireless and a robber couldn't cut the cables and disable our alarm. They said some pitch about their system including an energy saving program that could be managed through the telephone app. They promised we would save money while using their alarm system package. So we decided to purchase the equipment which was roughly {$1000.00} I put it on a credit card. In the first month XXXX had to come back to our home 2x to reinstall because the first time they set up their thermostat monitors they switched our AC with the Heater the second time our ac was still not functioning properly. Imagine thinking you had the AC ready and cool before coming home from a long day of work and come home to a home in the summer time over 90 degrees hot. 
The third time we had to actually hire a professional it was in the winter time when XXXX connected our heat they placed the coils on our AC/Heater unit on emergency heat which caused us a {$1200.00} electric bill. XXXX XXXX response to their mistake, which is what the professional company we hired to correct the issue told us, it was in fact XXXX XXXX error. 
XXXXXXXX XXXX response when we presented these claims was to credit our alarm bill {$30.00} dollars even-though our electric bill was over {$800.00} our usual expense thanks to their error. The contract we signed was for a 36 months however the contract explained that we were supposed to save money and that our home would be monitored 24 hours a day. 1 ) We did not save money and their response to our electric bill was not at all correcting their mistake considering I had to pay a professional to fix their error an additional {$120.00}. 
2 ) The alarm kept disabling and at times would not be monitoring and we would get those alerts on our phone app. 
3. ) several times the alarm would enable on its own and warned us that our system was not performing adequate surveillance. 
When our electric bill kept coming up higher than it normally would we stopped paying XXXX because they did not hold their end of the contract with an energy saving plan and monitoring our home 24 hours a day. We called XXXX to cancel our contract even offered to give back all the equipment back on a system we don't use let alone need, their immediate response was no and instead reported a {$2100.00} debt to our credit report for both myself and my spouse. We have spoken to other individuals that have had the same issues with XXXX. Not to mention a class action lawsuit recently settled with XXXX for the false claims to lure clients to their false claims making XXXX seem subpar. We were victims to this luring of false advertisement and in addition have now been suffering over a 3 years with negative impact to our credit report.
Capital One continues to list hidden charges from unauthorized charges made to my account XX/XX/XXXX. The amount of the XX/XX/XXXX bill was {$1100.00}. On the current XX/XX/XXXX bill, the amount is {$1200.00}, which is more than it should be ; hidden charges still remain. My account should be less not more than $ XXXX, the amount of the XX/XX/XXXX. You have not removed the hidden fees placed on the account for the fraudulent charges made on my account In XX/XX/XXXX.Please do so immediately. 

a. Payments of {$50.00} each made for XX/XX/XXXX as well as XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX which total $ XXXX. Payments of {$100.00} each made in XX/XX/XXXX and XX/XX/XXXX which total $ XXXX. Payment of {$120.00} made in XX/XX/XXXX. 
Payments totaling {$560.00} have been made to this account but are not accounted for. 

Please take my XX/XX/XXXX and deduct the {$560.00} in payments made. Without your legitimate interest charges, the amount that I owe would be $ XXXX.If you add you legitimate fees and interest, my XX/XX/XXXX bill should not exceed the XX/XX/XXXX bill.
Chase bank said that they received a legal order to hold my fund since XX/XX/2018. They did not want to release any information about this legal order. I being trying to get any information about this because I need to know what is happen with my accounts. I being calling the XXXX option XXXX which is the Chase Court Orders and Levis and no one can give me any information than the I need to call back between 24 to 48 hours. 
Here is the list of my accounts placed in hold. 
Checking XXXX Checking XXXX Checking XXXX Saving XXXX Saving XXXX All the XXXX accounts are placed in hold and no received any notification or explanation about it.
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX XXXX, so CFPB help me and delete the account
My loan went from lender paid to buyer paid right when it was time to sign docs. This swing changed fees, interest rate and limited my ability to consolidate my debt as was originally expected. The Loan Company is Plaza Home Mortgage in XXXX, CA and the Mortgage Broker is Fast Direct Lending. My loan number is XXXX. Plaza seemed to keep asking for information well after Loan Approval and all the way up to doc signing. 
My income has increased, my credit has improved and the property was appraised with a good value. I am going to sign the loan docs, I have till XXXX XXXX XXXX, 2015 to rescind. 
I have been trying to refinance for the past XXXX and I am not sure I can go through this another time. It seems that Plaza was delaying. I do not know the dates of lock extensions but their re-requesting of the same information for example a XXXX for my mother whom does not file taxes. They were told this yet they kept asking for this form to be resubmitted. Just when it was time to sign docs, the Notary even contacted me and we were going to meet that day, only to find out that Plaza stopped the process and next thing I was paying for all cost of the loan with a higher interest rate. I was floored and have been nauseous since. It has been XXXX months since the original XXXX was issued. The market is moving and I am afraid that if I do not take this loan I will end up with an even higher interest rate. This seems unfair to me.
Certified Mail Number : XXXX XX/XX/XXXX, RE : CONDITIONAL ACCEPTANCE FOR VALUE FOR PROOF OF CLAIM UPON CORPORATIONS CONTRACT, FOR DETERMINATION OF MEETING OF THE MINDS, FRAUD ON THE CONTRACT, AND/OR AN UNCONSCIONABLE CONTRACT AND/OR AGREEMENT FOR COMMERCIAL DISCHARGE, FILES # XXXX AND # XXXX. 
Dear Mr. / Ms. CEO : I am in receipt of and conditionally accept for value ( honor ) your statement of report for XX/XX/XXXX, dated XX/XX/XXXX and XX/XX/XXXX. Copies of the statement of reports are enclosed. 

In response to statement of the report you provided, I am conditionally accepting your offer for the unverified items contained in the Files # XXXX and # XXXX, upon proof of claim that : 1. PROOF OF CLAIM that Respondent show under the FCRA ANY copy of the original creditors documentation on file ( a consumer contract with my signature on it ) that you verified, and that this information is mine and is correct as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).

2. PROOF OF CLAIM from your department 's documentation showing method of verification as required under Section 611 ( a ) ( 7 ).

You have ten ( 10 ) days from receipt of this Conditional Acceptance to respond on a point-by-point basis, via sworn affidavit, under your full commercial liability, signing under penalty of perjury that the facts contained therein are true, correct, complete and not misleading. Mere declarations are an insufficient response. If an extension of time is needed to properly answer, please request it in writing. Failure to respond will be deemed agreement with the facts stated in the attached Affidavit and inability to prove your claim, thereby indicating your agreement to the facts stipulated herein enclosed commercial affidavit.
Performant Financial at XXXX has contacted me repeatedly ( three calls today XX/XX/2015 ) attempting to contact a XXXX. I am not XXXX. I have told them in the past ( a few months ago ) that I am not XXXX, and they continue to call asking for him.
Someone stole my cards one of which was a td bank card. All other consumers helped me promptly, but tdbank denied my claim twice even after police report was filed. They offered no assistance with trying to find the person responsible. I asked why wasnt provided a photo? The manager said they cant show pictures of the person who has taken money out my account. As if they are protecting the person or protecting themselves from not securing the money I placed in the bank to be safe from being stolen. Ive banked with them several years having no problems and now all of a sudden Im a bother to them. They were more than happy to assist me into banking with them, but cant help a customer get compensation for their money.
On my credit report from XXXX, many erroneous account showed up including multiple inquiries which were unauthorized. XXXX XXXX reporting on Account XXXX  that I owned them for an acct opened on XX/XX/XXXX for the amount of {$980.00}. No original creditor listed however the report stated my last payment was XX/XX/XXXX so was my last activity. XXXX  told me to send a letter for they could not find said acct over the phone. 

XXXX also report an account from XXXX XXXX XXXX  XXXX acct XXXX. I want that account to be erase  from my report for I have no knowledge of said account. They report it as revolving, closed and late however no percentage of the credit was uses but I have a high balance. They report an acct # XXXX   from XXXX XXXX XXXX with no original debtor for {$480.00}. They also report an acct # XXXX for {$550.00}. XXXX  did investigate these accounts when I reported them and they still leave them on my credit report. None of the accounts have ORIGINAL debtor Listed.
XXXX  XXXX Opened XX/XX/2013 Amount XXXX Account balance XXXX account paid XXXX balance
XXXX XXXX sent me my title, stamped Free And Clear and Lien released. Attached was a letter telling me how to go about filing my title at the XXXX or how to use it if I want to trade in my vehicle when I purchase a new vehicle. I am in the process of trying to purchase a home, and they can not proceed because they are reporting my loan over 90 days late and saying my account is a charge off, which is dropping my credit score too low to purchase my home. I need this to show that the loan is paid off and that the lien has been released. This is not ok, that I have this title for my vehicle in my hand. If XXXX XXXX made an error in sending me my title, then this is something they need to eat not me. I should NOT be showing a charged off account for my vehicle that is in my name and now owned by me.
Santander Consumer USA somehow put my loan on auto pay when I have been paying by check since opening account. They withdrew an extra {$320.00} from my bank account in XXXX and XXXX of this year, causing {$140.00} in overdraft fees. I have been trying to get all my money back for month and everyone I call, they have excuse or need more information. They now owe me {$460.00} as s month has passed so another payment became due. They have embarrassed me at bank as I do not normally go in hole and I have n't been able to pay other bills and killing my credit! I work XXXX jobs and NEED MY MONEY BACK!