WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, we called BOA to request a loan modification, we did the financials. Up until this time we had been paying BOA WEEKLY payments, at the current time there was {$290.00} is our Unapplied funds. There was an {$600.00} payment in process that we could not stop. On XX/XX/XXXX, we received notice that we have been accepted and forwarded the modification info, we were required to pay Three Trial Payments on or before XX/XX/2018 {$2200.00} XX/XX/2018 {$2200.00} XX/XX/2018 {$2200.00} On XX/XX/2018 we called in and spoke to a BOA Rep, who we explained that we had money in unapplied funds and we were making an additional payment of {$1300.00} when added to the {$890.00} in unapplied funds would equal the XXXX TRIAL payment. 
It was later found out that BOA did not accept that payment as of 1st trial payment! 
We were told that a few different things. 
Pay the {$890.00} again Pay the whole amount again because the payment was not made in ONE payment, we have also been told on one of the many phone calls all initiated by us, that they aren't accepting because they cant use any money that was in unapplied funds. I explained that would have been nice had someone told us that. We explained we were told that we must pay the exact amount which is we cancelled the weekly payments. 
We have spoken to REP 's from BOA that said they would take care of this for us, that they could not help us, that if we paid another payment .... all things that we cant do. We made the next payment on XX/XX/XXXX for the XX/XX/XXXX payment. BOA has now applied that towards the XX/XX/XXXX payment. As of today, XX/XX/2018 we have {$2200.00} sitting unapplied funds. We have spoken to numerous people all with the same answer ... they wont take that money and apply as a payment. 
They keep saying that if we pay before the end of the month..ie ( XX/XX/XXXX will be XX/XX/XXXX trial payment and XX/XX/XXXX will be XX/XX/XXXX trial payment and the modification will be approved ), they will take what's in unapplied funds and apply it towards the balance, we have explained that does not help us we need it a either a trial payment or XX/XX/XXXX mortgage payment, because if not they are setting us to fail, because we will starting off not being able to pay XX/XX/XXXX mortgage till the end of the month. 
We have spent numerous hours on hold, on the phone talking, or waiting for responses. 
I don't understand how a company can do this. Every way we offer a way to resolve this they deny it. I have asked to hear the phone tapes of the conversations between myself and BOA Rep 's on XX/XX/XXXX and XX/XX/XXXX when I called about the payments and I am told I can't. Most have admitted that the BOA Rep, should have told me that paying the {$1300.00} would not be added to the unapplied funds for the 1st trial payment but he didn't, so I ask how can they use that against me?
I have sent and call both Westlake Financial, XXXX, and XXXX   regarding TWO unauthorized charges on my reports for XX/XX/2018 and XX/XX/2018. Both of which was not authorized by me. I sent faxes to XXXX and XXXX  requesting an investigation XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018 as well as XX/XX/2018. I sent faxes to both of these bureaus continuously as these charges were not authorized. And they are still appearing on my credit report and findings have been provided to me.
I was contacted by a collection company in XX/XX/XXXX regarding an amount of {$550.00} owed to XXXX XXXX. I stated that I had not had an account with XXXX since XX/XX/XXXX and my balance was completed paid. I asked for verification and further details about this amount owed and was referred to XXXX XXXX XXXX. I sent a letter correspondence in XX/XX/XXXX asking for proof and verification regarding this debt and stated if in fact owed I was willing to make payment with removal of derogatory collection remarks. No verification or response was received. I then went ahead and disputed it with all 3 bureaus in XX/XX/XXXX. This dispute was denied and in XX/XX/XXXX I requested verification again which went unanswered leading me to believe this collection was in error. I sent notice to all 3 bureaus again via certified mail. This dispute was again denied and a letter from XXXX XXXX was sent to my home stating they would not share or verify this account with the bureaus. At this point this collection remains on my account hindering me from qualifying for a federal mortgage first time home buyers program which I am praying to secure. I have no other blemishes on my report other than this and through my efforts have received no response or solution in my attempts to resolve this. This company has been using different collection agencies to contact me and even has different names on my report under the same collection. On XXXX they are under XXXX XXXX XXXX XXXX XXXX, and on XXXX  they are showing as XXXX XXXX XXXX XXXX
UNCLOSED ACCOUNT after several request. CREDIT BALANCE origin is unknown. 
XXXX. Requested the closure of credit card about a year ago XXXX verbally. It remained open. 
XXXX. XXXX request sent certified mail through the XXXX Postal Service. Receipt confirmed. 
XXXX. Today, XXXX XXXX, a check in the amount of {$75.00} was received in the mail. The certified mail noted that the {$75.00} credit does not belong to me. 
XXXX. Placed a ticked off phone call today XXXX XXXX, 2015 to XXXX XXXX XXXX at XXXX MDT. This phone number is listed on their check # XXXX with a letter attached above the check. I called to let the answerer know that this money does not belong to me. She suggested I take it to a Bank of America. I stated several times it is not my money. 
Through out the recorded conversation by the Credit Card Issuer, I could not verify whether this account is opened or closed. She demanded my social security number ; I provided the last XXXX digit. She demanded my mother 's maiden name ; I refused. She wanted an account number which she was provided from the recent and only statement I have ever received. She requested my mailing address, which she was provided. 

It seem ; the intent is to keep this credit card open on an unknown generated credit of {$75.00} ; perhaps even superficial to keep this account open. I have not charged on this account. I HAVE NOT MADE XXXX PAYMENT ON THIS ACCOUNT. There seem to be no effort on their part to close this account. HELP ... HELP ... HELP ... PUHLEEZE ... ..
I opened my account under the terms attached in the email below. I was inquiring about my {$400.00} bonus for weeks, only to be told to wait 120 days. After I waited 120 days, I was told my account was inactive. My problem is that not only did I not receive the bonus, but i had no way of knowing that my account was inactive. There is no notation tion on my statements, No email, no letter.     Also, the terms of the offer indicated that the account had to be opened. It did not specify that it had to be active
Started to dispute a charge on my with citi credit card. 
Received a follow up letter from Citi Credit Card, I answered by fax, email and mail to the 1st letter follow up along with all the required documentation to ..substantiate my dispute Dispute was declined, citi alleged that they did not receive a response to their request.
Since " hard entry 's '' are of public record -- I choose that area as the area I wish to dispute. 
I just reviewd my Credit Report completely looking at each section and what it means. I read about the hard credit inquiries and I dispute that XXXX had my permission to check my credit. I called them to ask questions about their services because I was thinking about changing my carrier. I WAS NOT ready to change carriers at that time. Just inquiring about their rates. I DO NOT think I should have a hard entry from them on XXXX XXXX, 2015! I only asked questions over the phone about the rates and promotions that were available at that time. I do not remember being told they were going to check my credit because I was not ready to go to the next step to start service with them and change carriers. If I had been informed, I would have told the agent, " NO! DO NOT Check My Credit! I am Not ready to change carriers yet! '' So, I would like this " hard entry '' from XXXX removed from my credit report. Thank you in advance for your attention to this matter.
This is being sent prior to filing suit an opportunity to amicably cure for MIDLAND FUNDING LLC your violations of the Fair Debt Collection Practices Act ( FDCPA )  15 U.S.C . 1692 et seq, Fair Credit Reporting Act 15 U.S.C. 1681 ( FCRA )  et seq, Fraud, Unfair  business practices, defamation of character and many   that arent mentioned in this letter.     - False or Misleading Representations in Communications - Unfair Business Practices - Failure to send me a 30 Day Validation Notice
My sister went into a Navy Federal Credit Union XXXX in XXXX Ohio XXXX the staff was very rude and unprofessional.She was told there was a fraud alert on her account she went in the branch to prove we are sisters. I faxed my birth certificate to XXXX while she was in the office the receptionist confirmed it was received. And on the telephone she was told that her marriage license could be used as verification as long as our parents names were on it. I was born before our parents were married and my birth certificate only had our moms name on it but she also had my moms obituary proving we are siblings. We understood the policies and did not mind complying with them but feel she was treated unfairly. I am filing this complaint due to the nature of her experience in the branch..
Found out this morning I was on the list of people compromised by Equifax 's major error. They hung up on me when I called customer support. They also tried to charge me {$5.00} for freezing my credit score when they lost it in the first place. They also did not inform me for more than 30 days that my score was compromised.
My student loan interest seems to be extremely high. It is getting more difficult to enter a payment plan that I can reasonably pay every month.
My Visa credit card was repeatedly charged after I authorized a single payment and even though the company rep originally apologized for the mistake, saying they would refund my money within 3-5 business days, I never received my refund and the rep no longer works there. I have filed numerous complaints with agencies and organizations but no one will help me get my money back. My last complaint was filed here earlier this month, Case number : XXXX, but I was recently sent the response " We reviewed your complaint and could n't send it to the company for a response ''. You had asked for additional information to the four months of credit card statements showing the charges on my card but since I was not the renter I did not have the rental documents and I am guessing that you chose to drop my case as opposed to investigating it. I just found my documentation from the XXXX complaint I had filed with detailed information on the company that I had lacked when I filed both of my previous complaints so I will submit a copy with this follow-up complaint in hopes of getting something done to get my money refunded to my credit card, plus the interest and fees that continue to increase that debt every month.
XXXX   XXXX ,  XXXX  received a statement on a Bank of A merica Visa Card th at showed {$4500.00} new charges that are not mine. Called immediately spoke with fraud they said they would investigate.Canceled the card. Received a letter mailed  XXXX   XXXX ,  XXXX  saying they would investigate and issue temporary credit pending conclusion of investigation.   Never heard anything until I called them today to reveal that they had issued a replacement card, chip embedded, to someone who committed the fraud. It 's a card that I last used in  XXXX  and before that  XXXX  for charges less than {$40.00}. It 's a back up card that I simply continued to hold because it only had an annual fee of {$12.00}. The fraud was committed  over a two day period. On the third day the card was rejected fraudester called in and was told to bring i t into a branch.Which they did not and the problem stopped. There were fraud charges on the card to an electric utility to pay a personal bill, and truck rental which would also have yielded info on who is the culprit. All this and B of A never even called me nor even when they found out someone had my SS #, Address and Birthdate which they used to get the replacement card. I went int o a Branch today demanding action to find out what they knew so I could ascertain the identity theft damage. Found out they will not release any info to me until I fill a police report and they file a supoena, Time frame uncertain to complete. All this time has passed and someone out there has my identity info. B of A has done nothing to stop it or help me with info to protect myself. Asked for a Supervisor today and was told up to 48 hours for a response. I am just looking for the information to  protect my financial rear end- and they will not even help nor acknowledge their complicit behavior!
1. I, XXXX XXXX XXXX XXXX hereby submits my complaint to the Consumer Financial Protection Bureau against Toyota Financial Services for the following reasons : 2. I have been unemployed for nearly one year, and during that time I exhausted my savings to main my payments on my vehicle secured with Toyota Financial Services. 
3. I am a professional person who has throughout my career made a respectable living, and believe that Toyota Financial Services should approve a payment plan for my vehicle. 
4. My interest rate on my vehicle is 16 %, an extraordinary rate that borders on being usurious. 
5. A recent communicate from my wife XXXX with a representative of Toyota Financial Services went to the point that it was explained that I was now gainfully employed, and that I could within the next two weeks make a payment of {$3000.00} on my vehicle loan, bringing the unpaid balance down to {$3300.00}. She was told that the vehicle needs to be repossessed instead. 
6. A repossession would mean that upon resale, a collection could be placed my personal credit rating, and that a deficiency judgment could be procured against me personally, giving me no choice but to file for personal bankruptcy. 
7. I do not accept a volunteer surrender and a repossession would place me without transportation to and from my employment, causing a serious financial set back. 
8. Toyota Financial Services must accept my {$3000.00} payment on or before XXXX XXXX, 2017, and I will agree to additional monthly payments of {$3000.00} until the vehicle loan is brought up to date, if not exceeding to the point of over-payment on said account. 
9. The hard stance by the representative of Toyota Financial Services is uncalled for, and the interest rate must be brought to within a reasonable limit of 7.5 %. 
10. My payments will be made by cashiers check payable to Toyota Financial Services, and all payments will be made by cashiers check until its brought current and/or showing over-payment on the account. 
11. Toyota Financial Services most likely securitized my vehicle loan into a pool of funds known as a securitized trust, and accordingly, I request a full accounting as to the actual ownership of the debt in question. 
12. I request an investigation into the hard money lending practices utilized by Toyota Financial Services, as they have use excessive interest rates in the procurement of my vehicle loan. 
13. Toyota Financial Services is part of Toyota Financial XXXX XXXX, governed by the Federal Deposit Insurance Corporation FDIC Certificate No. XXXX. 
14. The FDIC must investigate the border line usurious rates Toyota Financial Services procures on American consumers. 
15. I will make the payments as scheduled, and I demand proof of debt ownership without a qualified written request within the guidelines of the Fair Debt Collection Practices Act. A federal act and legislation that Toyota Financial Services is in serious violation of.
I HAVE SENT THIS COMPANY A DEBT VALIDATION LETTER ASKING THEM TO VALIDATE WITH A SIGNATURE OF MINE THAT PROVES I AM THE PERSON RESPONSIBLE FOR THIS DEBT. I AM A VICTIM OF IDENTITY THEFT AND THIS ACCOUNT WAS OPENED BY SOMEONE ELSE FRAUDULENTLY. THEY HAVE NOT SENT ME ANYTHING THAT VALIDATES I AM INDEED THE PERSON RESPONSIBLE ALL THEY KEEP DOING IS FLAGGING THIS ACCOUNT TO ALL THE CREDIT BUREAUS AND THEY HAVE NOT PROVEN THAT I AM RESPONSIBLE. THE FTC SAYS THAT I HAVE THE RIGHT TO REQUEST VALIDATION NOT VERIFICATION OF THE INFORMATION THEY HAVE. I HAVE NOT RECEIVED ANYTHING. A BILL IS NOT VALIDATION AT ALL.THEY ARE RUINING MY CREDIT
Continuation of CFPB complaint XXXX

Discover Card has now taken retaliation steps in regards to the complaint recently filed against them referenced above.  After I filed the initial complaint, the company closed out my checking account which was in good standing.  I am absolutely disgusted that the response to a consumer protection complaint is to further harass and take discriminatory action against the consumer.  

I sincerely hope that the CFPB can rectify this practice.
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Fl XXXX XXXX XXXX, XXXX XXXX, Experian not reporting things right. First off Experian  company is by far the dumbest! Why did you take off XXXX credit card. Never asked you to do that! XXXX card was not fraud or open fraud or part of identity theft! Your company needs to pay attention big time. You leave the identity theft fraud on my report and take off XXXX you not to do. Your company by far the worst company I ever have to deal with! This is why I just got a lawyer and suiting big time. You still have 5 accounts from identity theft. 2 accounts from XXXX XXXX XXXX XXXX XXXX one account XXXX the other XXXX accounts on here after submitting a document from that company. They they dont have an account from me! Then after 4 times tell your company about identity theft to take off XXXX XXXX XXXX XXXX, XXXX XXXX credit card XXXX, XXXX XXXX, XXXX. Name is not right you still have it wrong its not XXXX a or XXXX XXXX XXXX its XXXX XXXX XXXX XXXX. I am a XXXX! Please get it right.
Synchrony bank calls and hangs up repeatedly everyday several times a day. I had a care credit account with them, which has since been paid off. I filed a previous complaint before because of the same tactics. Complaint # XXXX. 

Have no idea why they continue to call. I called them about 2 weeks ago and told them to close the account and purge all of my personnal information from their system, that I never wanted to hear from them again. Now the calls have started again. I need help, this company is harrassing for no reason. They have been asked to stop and purge my info. The recorded the call when I asked them to stop, I told the person that I was talking to, to make sure that management heard the recording. Obviously that did not work. What can I do now?
I was contacted at XXXX CST by a XXXX XXXX . She asked about an outstanding invoice with XXXX XXXX. She asked if I was having financial difficulty, I told her no, that my contract ended. I was obligated to pay 6 months, I paid that. She asked if I read the terms and conditions of my contract, I explained that I had. I told her I had a copy of my contract I would send her that states the effective end date and a highlighted portion that shows the automatic rollover clause was NOT effective per my request. XXXX said I had to pay immediately, I told her I was not paying something I did not agree to pay, when I hung up the phone, she immediately called back, I sent the call to VM. XXXX then called back immediately a XXXX time.I sent that to voicemail. She the called my employer, asked for " Who ever was over me '' and then complained that I was rude.
The XXXX XXXX account is showing a balance but the account is paid in full. XXXX  XXXX Account No. : XXXX. Attached is a letter from XXXX XXXX staying that the account is paid as of XX/XX/2018. I sent Experian this letter and they still report XXXX XXXX as having a balance. This just proves that Experian is very negligent in the credit dispute process.
On XXXX XXXX, 2016 a letter ( see Chase Notification ) was sent to Chase which Chase received on XXXX XXXX, 2016 ( see Chase return receipt ). 
On XXXX XXXX, 2016 Chase posted a letter claiming that a benefit was received from those charges ( see Chase alleged benefit letter-1 and Chase alleged benefit letter-2 ) Chase violated 15 U.S. Code 1666 by I. Exceeding 90 days allowed to resolve billing errors ( see Chase alleged benefit letter-1 and Chase alleged benefit letter-2 and Chase Notification )
I signed a lease with XXXX XXXX doing business as XXXX XXXX XXXX in XX/XX/XXXX. They are located in XXXX GA. The lease was for one year and had an end date of XX/XX/XXXX. I provided notice on XX/XX/XXXX that I did not place to renew my lease and I wished to move out on XX/XX/XXXX. The management team would not accept my notice unless I extended my move out date to XX/XX/XXXX. I accepted this and they provided written acknowledgment that they agreed as well. I paid {$810.00} on XX/XX/XXXX. This payment was for rent until XX/XX/XXXX ( base rent was {$790.00} ) plus utilities as advised by phone from XXXX XXXX. They accepted this payment and I moved our as agreed on XX/XX/XXXX and turned in all keys and gates cards to the leasing manager. I also provided the office with my mailing address and new telephone number. Now they have come back and advising I still owe them rent for XX/XX/XXXX and this is incorrect. I never received my final statement from them. They just sent this to collections and I only found out when I was about to move to another community. I have contacted this place many times by phone and in person and the manager will not show me how I owe them or remove these charges. On the move out notice from them there is no amount listed by prorated rent through move out date. I went to the signed lease and it only list the rent as {$790.00}. Nothing in this lease addresses how they think I still owe this. I have now received a final notice from them but it's incorrect. They claim they mailed the statement to me however, I never received it and my mail was forwarded to my new mailing address. If you look at the final statement they have my address when I use to live on site. They most likely never mailed the letter but hand delivered it to an address they knew I was no longer at. They company has been underhanded from day one and this was reason I decided not to review my lease. They started by accepting my first payment and deposit then called me back to advise they had to re-run my app and now they needed more of a deposit. I paid them an additional {$490.00} but when I received my lease it only listed my deposit as {$150.00}. I called on this was advised only {$150.00} was refundable and the rest was a risk fee. In the email from agent I was told the {$490.00} was a deposit. This was the first I ever heard of this. Oh and they would only provide the lease by email and I did not receive this until the day before move in. I was great need and had to move as soon as possible to get away from a bad relationship. Feeling like I had no other option I signed their lease. Really this company owes me {$640.00} because the location was returned to them in better condition than when I received it. The last invoice I received from them shows I had a credit balance of {$64.00} for utilities. What happened to that credit. So they instead really owe me {$700.00}. Their own ledger which I received from the office shows they removed the rent charge that posted on XX/XX/XXXX and went back in to add extra rent charges after I left.