WillisBack/dataset-financial-user-claim huggingface dataset:
Saturday, XX/XX/2016 at XXXX, on my way to work - after paying off a credit card, I decided although I felt a little worried about it, to deposit l large amount of money via USbank ATM machine. My total was approx. {$1900.00}. After sticking in my ATM card, plugging in my pin, gathering my faced cash, and depositing into machine- I sat there while the ATM processed my transaction for about half a minute. I knew something was wrong because it never usually takes that long- regardless of amount. Suddenly, without all of its usual prompts ( would you like to make another transaction? A detailed summary of a break down of the bills ), the machine spits out my card and approx. {$100.00}. Hoping the other {$1800.00} got counted into my account, I put my card back in. NOTHING! I deposited the {$100.00} and thought maybe, just maybe the ATM would register the other part of my transaction, but no. 

What is sad is that this machine has ripped me off for XXXX bucks without my knowing once before. I did n't notice, but received an apology letter on behalf of USBANK. And again, for {$40.00}, which I had disputed, but never persued. But this is intense, this is n't just pocket money. I used XXXX, {$100.00} bills, XXXX {$20.00}, XXXX {$5.00}, XXXX $ XXXX. I thought that because maybe if there was n't an array of various cash, that it would be okay. My deposits are usually chaotic, different bills, in no order. I was sure that facing, putting them in order, and straight would get it right. 

I could n't be more wrong. 

I immediately called their customer service to file a dispute. I spent an hour on the phone with a representative ( XXXX minutes into my work shift!!!! ). 

I 'm filing a complaint because this is the THIRD time this machine has miscounted and malfunctioned. This is obviously my last time using a machine for an " easy, on the go '' Deposit. Today, Monday XX/XX/XXXX, I was at the USBANK right at XXXX when they opened. I spoke with a manger about it. He had ZERO regard that my account is about to overdraw, checks are about to bounce, and it 's ALL BECAUSE OF THEIR MACHINE. Like I said, this was n't pocket change. It 's {$1800.00}!!!
Sent letter in  XXXX  for goodwill adjustment for the following periods :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  this request was denied.   I followed up and sent in a second letter via fax on  XXXX   XXXX ,  XXXX  to request that the delinquent status be removed since due to being granted retroactive forbearance is now being inaccurately reported as being late when. I received a phone call from t heir Consumer Advocate ce nter and they stated that they do not have to update what they consider correct information at that time period. Yet  XXXX  refuses to correct and update this information standing behind their policies.
This collection agencies calls me throughout the day at my home and on my cell phone. I know that I owe XXXX XXXX and I am making every afford to pay them.
In XXXX, I opened a Citigold checking account with an offer stating I would receive XXXX XXXX miles after meeting certain criteria. I then met those criteria, confirmed with a Citi representative that I had met the criteria, and was told to expect the XXXX XXXX miles to be deposited into my account by the end of XXXX. During this time I was charged 3 monthly service fees of {$30.00} each. Now, after confirming this promotion was applied to my account, confirming that I had met the requirements, and confirming that the miles would be deposited at the end of XXXX, Citi has pulled a bait and switch. They have suddenly decided I do n't qualify unless I can find a postcard from 6 months ago showing the offer. I do n't keep mail around for 6 months, and NOTHING was ever said over the past 6 months about needing to keep that post card. Now I have {$90.00} of fees and I will not be getting XXXX XXXX miles. I 'm not alone. XXXX of people are in the same situation as me. I 've done XXXX searches and found forums full of people having this problem. It 's not right. I 've been lied to, and my money has been taken. Apparently I have to uphold my end of the terms and conditions by paying a monthly service fee, but Citi does n't have to uphold theirs. Something needs to be done. I hope enough pressure can be put on Citibank to make them honor the promotion they already told me I qualified for.
I am long time customer of rushcard and recently they updated and changed their technology and now im not able to access any of my money no deposits are showing up and im not able to contact anyone working for this company I think they are stealing everyones money and trying to get away with it
My ex husband ( of nearly XXXX years ) was at the agency 's office to pay on his account. The employee asked if he wanted to pay on my account. She informed him he was also on the account. He told her that was highly unlikely as we 've been divorced for nearly XXXX years. She then told him how much I owed and what it was for. He then contacted me so that I could get it straightened out. I spoke the the manager of credit care in person. He said, " I do n't know how that could happen ''. I informed him that my ex knew all the private information, so it obviously did happen. He said he would investigate to find out who gave out the info and reprimand them. 
He agreed that it was a violation, and apologized for my experience. 
It was embarrassing that my ex was privy to my medical and financial information.
I received a insurance check in the amount of {$11000.00} for a new roof and for some really stupid reason mortgage companies have to endorse the check. Since there are no local branches for CitiMortgage, I had to mail the check to OH. On Monday morning X/XX/2017 I spent {$28.00} at XXXX to overnight the check with a letter and a {$10.00} check to overnight it back to me. CitiMortgage received it on X/XX/2017. I called on X/XX/2017 to get the tracking number and the representative XXXX, told me it would take two days and would not be sent out until Friday XXXX XXXX, 2017. Meanwhile, every time it rains, my roof leaks in several spots from storm damage. First, it is taking more than two days. Plus, if they are n't sending until Friday, that means I wo n't get it until Monday. Because CitiMortgage is making me jump through all these hoops, is really terrible for the homeowners, I am unable to give the roofers a down payment until I receive the check and cash it. First, CitiMortage should n't even be on the check. I am the one who pays for insurance. I pay my insurance directly and I do not have it calculated into the mortgage payments ( I do n't trust banks ). Second, if I am overnighting the check, therefore they should send it back either the same day or no later than the following date. Especially if the customer is having to pay for overnight services! Thank you.
I am XXXX years old, in the last 5 years I have had XXXX. I have XXXX, the list goes on. I recently applied with BSI Financial for a modification review and they just informed me that the investor said they are unable to help because not enough time to review my modification package. I informed the agent of my health issues and how it took me some time to get my documents together and they did not care. The agent at BSI informed me that they are not giving me any options to foreclosure. I begged and pleaded with them and my cries went unanswered, I know my day is coming I just want to die in the comfort of my own house. In a few months I would qualify for a reverse mortgage if I do n't die before then. Please do n't let this bank and heartless investor kick me out to the streets to die alone homeless. I simply ask that they postpone and review the package that I sent in to them. They did not even bother to ask me about my financial situation or anything, they are violating my CA Homeowners Bill of Rights. Please do not let them violate CA laws and further slap in the face with the way they are discriminating against me for my XXXX and Age.
A company I XXXX as " XXXX ' XXXX called multiple times claiming I owed them and that they were filling letters for recommendation of legal action. They never identified themselves as a company or stated whom I owed money to. The only thing they wanted was a credit card number so that I could " settle '' the debt before legal action was taken.
I reported suspicious activity on my credit card in XXXX to chase bank also informing them that my card was missing. The suspicious activity was reported prior to the transaction clearing. Chase will not credit my account for the fraudulent charges to my account of {$8700.00} My Chase bill shows the following XXXX/XXXX/2016 Debit Card Transaction IMAGEXXXX XXXX XXXX XXXX XXXX X XXXX ( EXCHG RTE ) + XXXX ( EXCHG RTE {$8700.00} First of all XXXX x XXXX = XXXX not XXXX Chase is now trying to use my confusion about the matter ( which mathematically makes no sense ) to say that I 'm somehow at fault, or changing my story because I originally though it to be an overcharge. 
Chase will not contact the merchant for proof of this transaction, even though there have been multiple fraudulent transactions reported from this merchant. I do not feel it is safe to use a debit card if this type of fraudulent activity is not protected.
Bank of America sent me information regarding using a convenience check but made no mention that these checks were subject to a verification process that could result in their cancellation without timely notification, and that my verification of the transaction would still yield a cancellation of the transaction. 

BoA called me asking to verify the transaction which I did over the phone to a customer service representative. I found out later that although I verified the transaction, the transaction still was cancelled by BoA. I was told that the reason for cancelling the transaction was that the my verification occurred hours after the call was initially placed to me, and that the department that needed to verify the transaction was closed, and that the BoA representative I called back to verify the transaction could not contact the necessary office ( it was closed ). I was also told that because I had no signature on file with BoA, they could not verify my transaction and, ultimately, that is why they cancelled my transaction. 

Bank of America then sent me a letter verifying the cancellation with no mention of why this cancellation was occurring. The letter contained a phone number to customer service who explained to me that they had no way of understanding my issue and gave me another number to call which I did. The other number said that they were not the right department and I was transferred to another department I was finally given another number to call. 

BoA is not being transparent with consumers in regards to how they verify transactions and lure customers to use products without being forthcoming regarding the necessity of signature files etc. to verify transactions. BoA is also not forthcoming regarding how to resolve issues with customers as they gave me a number to call that was unable to give me any information and I was explicitly told by the BoA representatives that although I was given their number to call, that they had no information on my case. 

Customer Service Representative XXXX said she was going into file a complaint on my behalf with Bank of America and a letter will be sent to me from BoA.
I accidentally drove through the XXXX on the PA turnpike. They billed me for the full length of the turnpike. I called Nd told them I still had the ticket. The woman instructed me to mail in the ticket with a money order for XXXX . I did this XX/XX/XXXX. I know this because I have a photograph of all of the paperwork before I sealed it and dropped it in the mailbox. XXXX, I recieved a notice from a collection agency for XXXX . For failure to pay the pa tp. I called XXXX to see if the money order had been cashed, it had not. I honestly do n't know what to do at this point. I 've spent years trying to fix my credit. I feel powerless.
I do not have a signed contract nor any contract with this company. I have the right and by law demand to see a signed contract between myself and this company or request for them to immediately remove the damaging account for {$1100.00} they have showing on my XXXX, XXXX and XXXX  credit reports. Also, in looking into this company I see they were not even registered in my state to be collecting funds from anyone. Further I have already attempted to send letters to both the collection agency and each of the credit bureaus and all three accounts still remain and I feel as if I am unjustly being asked to suffer and or pay a debt that is not mine so that I am not further damaged. I have yet to receive a letter or a phone call with any proof validating this debt which is to be done by law. I am coming to CFPB with a desperate attempt to get this rectified. Thank You
I was previously enrolled in a XXXX XXXX XXXX ( XXXX  ). I last deposit to XXXX was in XX/XX/2017. XXXX and myself notified all creditors that I enrolled in through XXXX that my services were withdrawn. Synchrony bank ( Wal-Mart, PayPal, & XXXX XXXX XXXX card services ) refused to acknowledge this and continues to report to all credit report agencies for three of my Synchrony Bank Credit Cards are managed by XXXX. I have submitted three separate disputes to all CRA 's and Synchrony bank without success. Each time I provided the official letter from XXXX and a personal statement verifying my withdrawal from XXXX. I have been managing my own financial responsibilities and making on-time payments through my financial institution bill pay services. Synchrony Bank is not complying with the Fair Credit Reporting Act by continuing to report inaccurate information to all CRA 's.
After a divorce, I was granted Innocent Spouse status from the IRS, and was separated from my ex-husband 's many tax liens. I saw liens back on my credit report ( my name is still on my ex 's house ), and I disputed XXXX times, providing documents showing my release from those liens from XXXX XXXX, the State of Ohio, and the IRS. Equifax apparently does n't accept proof from all taxing agencies that I am released from those liens, because after XXXX disputes, I keep getting the same response - " we have determined that these liens are yours ''. These liens are negatively affecting my credit score, and the other credit bureaus have not had a problem correcting this error. I need help getting this corrected.
This is an account that has already been removed from my report, the creditor is now sold to a new company reappearing. As previously discussed and stated not my debt! 

XXXX XXXX XXXX collection Agency - XXXX XXXX XXXX. XXXX XXXXXXXX XXXX to do not any legal rights to post on my credit report. I nor them have a signed contract regarding this claim. 

Resulting in this claim has dropped my credit score. 

The collector must send you a written notice within five days after you are first contacted to tell you the amount of money owed, the creditors name and what to do if you believe you do not owe the money. This validation notice warns you that if a debt is not disputed it is considered valid. - this never happened the debt collector did not follow suit.
Please remove the medical bill showing XXXX on my credit report. I agreed to pay the payment schedule and was paying then they stopped and I tried calling and they sent it to collections. Also there is XXXX on there as well and that account was agreed to be closed by original apartment complex because I moved out a month early because they had n't fixed AC in over 3 weeks. Breaching there own contract. I paid my last month and they agreed that was enough. Now it shows I have housing debt. This is not good I ca n't even find a apartment to live in when this was not even my fault! This is a crime. Please help!!!
There was a Santander Consumer Auto Loan that was opened on my credit report with XXXX back on XX/XX/2010. I never opened this car loan. I believe I am a victim of identity theft.
On XXXX/XXXX/2016 Experian reported a duplicate XXXX credit card on my report which increased my XXXX score by XXXX points. On XXXX/XXXX/2016 this error was corrected and the duplicate account was removed but caused my XXXX score to drop by XXXX points. This inaccurate reporting and mistakes made by Experian has made it impossible for me to qualify for FHA home financing which requires XXXX or more XXXX score. my scores dropped from XXXX to XXXX due to errors made by Experian.
1. EXPERIAN BUSINESS CREDIT - XX/XX/2017 -  UNAUTHORIZED INQUIRY 2. XXXX XXXX XXXX - XX/XX/2017 - UNAUTHORIZED INQUIRY 3. EXPERIAN BUSINESS CREDIT - XX/XX/2017 - UNAUTHORIZED INQUIRY
Experian is reporting several accounts that are not mine. They are the only ones reporting them and they keep claiming they are valid when I dispute them. Yet they absolutely ARE NOT MINE. So I demand to know how they are verifying it because this is Fraud or a mixed file due to my name because this happens often. I am tired of them claiming its valid when they are not even truly investigating it.

XXXX XXXX XXXX XXXX XXXX - I do not owe child support! I have my kids and have always had them. I am a single mom. I do not owe this and its not mine!

XXXX - XXXX - I CURRENTLY HAVE XXXX  FOR YEARS!!! THIS IS NOT MINE!!!!!!!!!! THis just got placed on my credit recently and I never received notices or anything because it is not mine!

XXXX XXXX - XXXX - I CURRENTLY HAVE XXXX FOR YEARS!!! THIS IS NOT MINE!!!!!!!!!! THis was also just placed on my credit by this company! How can I have all these XXXX  collections???? OMG!!!! it is not mine!

XXXX - I CURRENTLY HAVE XXXX   FOR YEARS!!! THIS IS NOT MINE!!!!!!!!!! I haven't had XXXX
I XXXX XXXX RECEIVED A PHONE CALL FROM SHELLPOINT MORTGAGE MANAGER XXXX XXXX ON XX/XX/XXXX at XXXXXXXX XXXX CENTRAL TIME. 
LETTING US THE BORROWERS WITH ACCOUNT NUMBER XXXX MR.XXXX XXXX XXXXXXXX AND XXXX XXXX KNOW THAT WE CAN NOT NEVER GET A LOAN MORTIFICATION AGAIN! 
DUE TO HURRICANE HARVEY AND A ELECTRICAL HOUSEFIRE WE SUFFERED IN XX/XX/XXXX AND XX/XX/XXXX. 
WHEN WE FIRST TRIED TO APPLIED FOR A MORTIFICATION BACK IN XX/XX/XXXX! 
THE INFORMATION ABOUT OUR HOME LOAN SHOULD HAVE BEEN EXPLAINED TO US WITH EVERY OPTION TO GET OUR PAYMENTS MADE FROM XX/XX/XXXX TO XX/XX/XXXX! 
SHELLPOINT MORTGAGE NEVER STATED OUR ACCOUNT WAS OR WOULD BE IN A NONE RETENTION PLAN FROM THE FIRST TIME WE INQUIRED ABOUT! MORTIFICATION BACK IN XX/XX/XXXX. 
AGAIN MONTHS PAST NEVER ANY LETTERS FROM SHELLPOINT MORTGAGE ABOUT HELPING US WITH A PAYMENT PLANS! 
WHILE THE MONTHLY PAYMENT WERE ONLY {$5600.00} TO CAUGHT UP OUR ACCOUNT! 
WE SHOULD HAD ALL OPTIONS! 
NOW WE ARE AT A {$25000.00} PAYMENT PLAN ONLY TO THE ACCOUNT ASAP TO KEEP OUR HOME FROM FORECLOSURE! 
THIS IS SHELLPOINT MORTGAGE ONLY PAYMENT PLAN TO HELP US! 
AFTER MAKING DISCRIMINATION AND PROFILING STATEMENTS AGAINST US AND OUR FAMILY MEMBERS THAT WE XXXX XXXX XXXX BECAUSE MR.XXXX IS XXXX XXXXFOR OVER 27 YEARS! 
SHELLPOINT MORTGAGE IS AND HAS VIOLATED OUR RIGHTS AS HOMEOWNERS AND NOW WANTS TO TAKE AWAY OUR HOME! 
WE NEED HELP!!
I am filing this complaint because XXXX, Experian and XXXX  has ignored my request to provide me with the documents that their company has on file that was suppose to verify/validate the accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " Promptly delete all  information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Re : Letter of Dispute and Error Notice Loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX I received a Notice of Intent to Accelerate : I am disputing this notice in its entirety. Some of the notice is in XXXX which dont understand XXXX, which erroneously says we are in default for the months XXXX and XX/XX/XXXX. We are also mortgage evaluations sent while on disaster programs. 

Please be aware, that on about XX/XX/XXXX, I contacted Bank of America regarding the Federal Disaster Relief Program Due to Fires in XXXX  CA. The Representative verified my home was located in the Designated Area and made me aware we qualified for a 3 month Payment Holiday. I was informed that I could skip 3 payments and the 3 payments would be placed on the back of the Loan. with no penalties or Late Charges. Please listen to the tape of the original recorded phone conversation to your Customer Service or the subsequent calls to your office. I relied on statements and agreement made with an official Bank of America Representative. Now I am being told that we are 2 payments behind, which would create a hardship and not possible. I was current and have made every payment since resuming payments and actually ahead one month when I make payment this month. ( XX/XX/XXXX ) I lived up to my end of the agreement. Please correct this error and keep your promise. 

I am requesting a correction so you dont erroneously foreclose on us again, as you did in XXXX. BOA still took two years to issue us a Modification ( XXXX ) where we still have not been made whole from that grave error by BOA. BOA had to return funds to the Trustee Sale buyer who was trying to evict us during the holidays ( XXXX ). BOA finally issued a formal rescission in our favor Thank God! Please send : 1. Loan History since inception of Loan. 
2. Transcripts of the Phone conversation from XXXX XXXX XXXX on around XX/XX/XXXX to present. 
Re : Federal Disaster Program and payment XXXX. 
3. Letter regarding Expiration of fire disaster program Respectfully, XXXX XXXX XXXX.
I filed a complaint ( complaint number XXXX-XXXX ) on XXXX XXXX. They is listed on my credit report as a collection company and i have the right to ask them to validate the debt according to FDCPA and they didnt. ERC have been a collection company trying to ruin individuals lies by placing false accounts on consumers credit report.I have attached their response so the cfpb can see all the lies and non compliant incorrect information they attached to the last complaint. 1. ) They said they agency is not a debt purchaser but it clearly say on my credit report they is a collection company first violation 2. ) If they service the account their behalf they purchased the account and was paid by whoever to collect on it so another violation. 3. ) they said erc is in compliance which is not true because they collecting on a debt and they acting as if they is not. 4. ) they said the contract with be with XXXX and not them well XXXX should collect on it and not them when they placed that collectionaccount on my credit report they are collecting on it so another violation 5. ) I clearly stated i do not have an account with erc so they flipped the complaint around acting as if i need a fraud packet and i dont because i am correct i do not have an account listed with erc and they need to delete this incorrect information from my credit report i do not have an account with erc
My refinancing with bank of america was taking about XXXX months, and was rejected. The paper trail is enormous. They charged me for a home inspection before the mortgage was accepted. I feel that a huge mistake was made by the bank.How do i recoup my loss,
CRA  continues to verify incorrect information on report. The account in question shows account type as " open account '' yet account stats as " closed '' the balance is incorrect as well. It shows an original balance of   XXXX   but a past due balance  XXXX  I have disputed this twice and yet they continue to report erroneous and incorrect information.
My home mortgage with Nationstar Mortgage is not being reported. 

The co-borrower, XXXX XXXX, filed bankruptcy and received a discharge. I did not. I have been paying my mortgage on time monthly and would like for this to be reflected.