WillisBack/dataset-financial-user-claim huggingface dataset:
I wanted to remove my co-signer after 10 years of on-time payments. AES said the only way to do that was to re-finance. So I did. The new bank sent the payoff amount which was credited to my AES account on XX/XX/XXXX and resulted in a credit of approximately 57 dollars. I contacted AES to ask when the refund would be processed and to whom ( to me or to the bank who refinanced the loan ). They told me that in 5-7 business days the refund would be given back to the entity that made the payment. After the specified time had passed, they had still not processed the refund. So I contacted them again on XX/XX/XXXX only to be told that the process takes 30 days. When I mentioned the previous chat, the customer service representative had told me I remembered the details wrong, and straight up LIED to me about the what I was initially told. I asked for a copy of the original chat transcript for proof of what I was told and she said I would receive it in 5-7 business days. Holding on to an over payment for 30 days when the loan amount has been paid in full is unacceptable. 5-7 is  understandable as you may want to ensure that the payoff check has cleared but at this point, the new bank is charging me interest on that overpayment amount, so the check has most definitely cleared.
XXXX XXXX is charging excess over draft {$35.00} fee a day. Which was not explain by the representative during enrollment to opened the accounts. Although, the representative was very kind and pleasant to get in and out. I wind up having 3 check returned such a {$19.00} dollar, {$120.00}, {$48.00}. I did placed a deposit on a few occasions. Unfair to keep charging the account each day {$35.00} and plus {$25.00} over draft per transactions. I went to have the balance waiver {$550.00} accumulated 60 days. Manager stated there nothing she could do but credits 1 fee back once I would make another deposit.
XX/XX/2013 a undisclosed amount was taken from my account. The bank allowed my payroll check from my employer to be reversed without notifying me to make sure it was no fraudulent activities which it was. The bank failed to secure my money and told me theres nothing they can do and Im basically XXXX out. I dont think its ok that my account should be in the negative because the bank neglected my account. Please can someone help me because my employer lied after I quit my job because he was upset that I left stating that now he doesnt think I deserve my check from XXXX XXXX XXXX At XXXX XXXX XXXX XXXX ny XXXX. I was scammed from both the bank my old employer and his payroll company. The bank saids that have nothing to do with it but they do when I signed a contract with them to protect my money.
Paypal has allowed the scamming XXXX to defraud my account. 
Their cart adds items on each time you visit against the wishes of the customer. 
XXXX charged me for XXXX memberships & XXXX listings of a membership. This is utter rubbish and contacted XXXX of the error XX/XX/2016. 
They recognized the error and said they credited me the difference. 
The problem is they did not so I opened a paypal dispute. 
The seller offered a refund of XXXX admitting liability and error. I requested that Paypal continue to investigate as I was truly owed XXXX. 
I only wanted one membership. 
I tried to contact Paypal to assist and they were unhelpful and decided the case in the favor of XXXX XXXX XXXX & denied the partial refund the seller offered. 
So i contacted the seller ( no one mans the phones at XXXX XXXX XXXX as it is a phishing scam site. They refused to return my money, canceled the membership and blocked my computer from accessing the site ( see documentation ). 
As such paypal has an obligation to return XXXX-XXXX=XXXX I tried to print out the chat conversation and was unable to. Given the customer service agent would rather block my ip address than address my concerns in writting, it confirmed my suspicion that this is some tech geek running a scam site. 
Regardless, as he canceled my membership and blocked me from his tech/phising site, I want my money back.
Equifax is delaying my request for an investigation by means of multiple requests for identification that was provided with the initial request. Equifax has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report. This is a serious ongoing issue with them as you will see Please see enclosed documents ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX-XXXX-XX/XX/XXXX XX/XX/XXXX
We paid off the loan in full with our lawyer XXXX XXXX  2017. We 've checked with register of deeds in XXXX county WI and they keep telling us they removed the mortgage from the deed as lien holder and of this date it still has n't been removed.
I complained in writing to my loan servicer, Mr. Cooper, about an issue with excessive emails and their employee 's behavior on the telephone. 

The company responded to me with a letter, but the next day, I received a large, thick envelope from Mr. Cooper with the same letter that I received the previous day, but the rest of the documents belonged to another client of Mr. Cooper, who lives on the other side of the country. The documentation included Mr. Cooper 's letter to the client, including clients ' names, address, loan number ; deed of trust ; detail transaction history ( 8 pages, 147 separate transactions ) ; welcome letter dated XX/XX/XXXX ; statement dated XX/XX/XXXX ; and escrow analysis dated XX/XX/XXXX. 

I called Mr. Cooper to tell them what they did, but it was brushed off as an error. I believe they breached confidentiality of the other client. I would not want my financial information to be sent to random strangers.
I received a Summons XX/XX/XXXX from XXXX XXXX/JCP for a debt that I was listed as the authorize user, after the passing of the primary cardholder we inform XXXX/JCP of his passing in which I was inform that the debt is mine, and then it was listed on my credit report, on XX/XX/XXXX at XXXX supporting documents was fax to CFPB. Case # ( XXXX ).
I want to dispute a hard inquiry i never authorized. 

From : Institution Information Credit Plus  XXXX, MD XXXX ( XXXX ) XXXX
I came into an agreement with chase bank for a card i defaulted on making payments, I settled the account for less and in return they was going to delete my account of the credit bureau and put as settled. but they havent done so and i tried disputing it but they wont remove it .. I have a letter they sent me saying that they will honor the agreement
A company I believe to be a Scam Debt collection agency contacted me stating I owed a debt from 2011 on a payday loan and that I was facing prison time for fraud. They stated they were contacting the XXXX 's office to press charges on behalf of a payday loan store I do not remember. They also contacted my father stating the same and telling him I was looking at immediate prosecution and jail time if the debt was not paid immediately. The SOL passed after 12 months in the state of Tennessee ( anything under {$500.00} ), so any debt can not be collected on with the threat of action anyway. They have attempted to collect further information and payment through contacting other family members in other states and informing them I will face prison time unless someone pays this debt. 
The name of the company is : XXXX, XXXX XXXX. XXXX XXXX XXXX, FL XXXX Phone # XXXX I am certain they are scammers and will be sending them a notarized cease and desist letter with return reciept requested.
This is an attempt to amend my complaint number XXXX by adding my telephone numer. Number was omitted in first complaint. 

The debt for which I am being constantly harassed is my son 's wife ' s debt.
An account with XXXX Was disputed and XXXX XXXX the account reappeared on my credit report after the dispute, investigation and deletion. Please see the attached documentation with verification of the deleted account XXXX XXXX, XXXX as well as a new credit report for XXXX XXXX, XXXX and the same is account is there. 

thank you
To Whom It May Concern : I have been working for the XXXX since XX/XX/XXXX and have been making payments since XX/XX/XXXX. My loans are from XX/XX/XXXX and XX/XX/XXXX. I 've paid at least {$60000.00} on {$61000.00} original principal of my loans. According to my Account Summary, I owe another {$60000.00}. I am currently on the Level/Extended Repayment Plan. 

I have two complaints : 1 ) How can I owe double my original principal ( {$120000.00} vice {$60000.00} )? 

2 ) At no point, did Navient assist or inform me that I would be eligible for Public Service Loan Forgiveness if I was an a qualified income-based repayment plan. Since I am on a Level plan, I apparently have missed out on this eligibility. 

As a result of these two complaints, I have been harmed as a consumer. 

I will be submitting this complaint to Navient and to the Department of Education. 

Please advise accordingly. 

Best regards, XXXX XXXX XXXX XXXX DOB : XX/XX/XXXX
Contacted by Account Control Technologies in XXXX of XXXX. Informed them not to contact me at my place of employment and to email or hard copy mail all correspondence to my residence. They called a few days later at my place of employment even after being informed. Spoke with several representatives including XXXX XXXX, XXXX XXXX, XXXX XXXX. Found that they had an incorrect address for me and I had not received any documentation prior to this contact. They had " XXXX XXXX '' instead of " XXXX XXXX. '' Never received any documents prior to this phone call. Signed rehabilitation agreement on XX/XX/XXXX. Signed for them to auto draft my checking account on the XXXX of each month of {$5.00} for 9 months. Emailed copies of 2 paychecks on XX/XX/XXXX as per their request. Requested an amended letter stating the actual amount due two times via email and have not been received as promised by XXXX XXXX. Their letter reflects amounts including a charge of {$2400.00} collection fee and a charge of {$520.00} interest fee. Was informed in writing via email on XX/XX/XXXX to not contact me via phone but by email / letter only. Resent paycheck copies on XX/XX/XXXX. Was informed that all collection calls, tax refund offset would not occur, etc. and credit reports would be updated showing payments if payments were made on consistent basis. Which they have been since XXXX. Contacted ACTS on XX/XX/XXXX, XXXX found they did take my XXXX tax refund of {$4900.00}. They also took XXXX refund of approximate {$6000.00}. Was bounced around to four different representatives, given the run around and told I was misinformed of the agreement. Also, XXXX XXXX was completely unprofessional and threatened to contact my employer to garnish my wages. A man by the name of 'XXXX XXXX contacted my boss on Tuesday XXXX XXXX, XXXX and left a voicemail which we have a recording of. This company is fraudulent, harassing and dishonest. All communications have been documented. I refuse to speak to them anymore via telephone. XXXX XXXX also informed me that sending an email is a courtesy?? After researching this company have found many complaints on these same issues and more. They need to be investigated thoroughly. Thank you
The company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA,XXXX reported XX/XX/2018 THIS IS NOT MY ACCOUNT AND I HAVE NO CONTRACT WITH THIS COMPANY. XXXX and XXXX   have removed this account. I have called Equifax and they keep taking the dispute by phone then when i call give them the confirmation number they say it does not exist but give me another one with same number as previous one. I have put it in writing no response it is impossible to use the Equifax online portal they have so many flaws and they are not handling my report responsibly i would like for the item mentioned above removed thank you hope you can help
I currently have an outstanding credit card balance with Bank of America based on one of their special offers where you have a certain amount of time to pay off the balance with out being charged interest, I have until  XXXX   XXXX  to pay the balance in full. I was surprised when I received my  XXXX   XXXX  statement to see I had been charged a minimum interest fee of {$1.00}.     When I contacted BOA the customer service representative stated I was charged interest based on their annual fee of {$75.00} because the annual fee is added to my account as a purchase, he also stated since the annual fee was charged on  XXXX   XXXX   XXXX  and I did n't make a payment until  XXXX   XXXX   XXXX  I was charged the minimum interest and even though I pointed out that I made a payment on  XXXX   XXXX   XXXX  he would not credit my account the {$1.00}. I also argued this is not ethical as they are charging me a fee against a fee.
I disputed a charge for approx. {$1400.00} on my Wells Fargo Credit Card for an unauthorized charge with XXXX ( the merchant ). From the first phone call with Wells Fargo, I clarified to them that I did not authorize the charge. Wells Fargo subsequently concluded and found that XXXX had knowingly, and willingly, bypassed an authorization and confirmation process to force the charge through. Wells Fargo, thereby, confirmed my claim that I did not authorize the charge. Wells Fargo still refused to reverse the charge, saying I had to deal with the merchant. Even when I communicated with the merchant ( XXXX ), they agreed that they had knowingly and willingly bypassed the authorization and confirmation process to force the charge through. Subsequent analysis by me found that Wells Fargo had n't categorized it as an unauthorized charge when I had explained that to them over and again. Finally I got them to treat it as an unauthorized charge and they said they 'd look into it. I just received a letter from Wells Fargo, and their claim is that they say that I authorized the charge, when I 've been telling them from day 1 that that is not the case. Even XXXX ( the merchant ) has permanently suspended the customer account associated with the charge due to the fraud associated with this charge. XXXX is so adamant that the charge was fraud, that they wo n't even unsuspend the account upon request. Wells Fargo does not have the legal authority, especially with the prevailing evidence, to declare the charge as " authorized '' and especially in contradiction to my declaration that it was not. Even Wells Fargo closed my account and gave me a new card! This has been going on for months because they are committing an act of " willful blindness '' to the facts of the situation. I was legally entitled to have the charge refunded to me back in XXXX 2015! Even the merchant sees the matter as fraud, yet Wells Fargo refuses to categorize it as such. Wells Fargo does not have authority to ignore Federal Law regarding " unauthorized charges '' on a credit card! If they are permitted to do so, think of how many other times they will simply ignore people 's claims, and unjustly enrich themselves and their merchants. Now Wells Fargo is just bullying me to pay for an unauthorized charge because they 're the big bank that can attack my credit and cancel my credit card and harm me financially, instead of admitting they made a mistake from the beginning in how they categorized the dispute. It is likely if they had categorized the matter properly in the beginning, that they would have back-charged the merchant, but since they unnecessarily dragged out the process, pursuant to their agreement with the merchant, they can no longer do that. Now, to save themselves the cost of the unauthorized charge, they bully me into footing the financial bill for their mistakes ... probably because they believe the chances are slim to none that I, or anyone else for that matter, will pursue them in any significant manner if they do n't resolve the situation in accordance with Federal Law.
As of XX/XX/XXXX, Collection agency HUNTER WARFIELD has again reported a collection that, XX/XX/XXXX, was reported to the Consumer Financial Protection Bureau. The collection account was subsequently deleted by all three credit reporting agencies due to my complaints of HUNTER WARFIELD/JEFFERSON XXXX never providing the requested proof of the debt, as well as adding interest to the debt without a judgment as required per the original agreement. I have attached the CFPB summary of the original dispute and action taken.
I disputed my inaccurate XXXX item with TransUnion. It was inaccurate because the high credit amount was different from the balance. Both have to be the same amount if the past due amount is XXXX, which it was. Anyone could look at the item and see it was inaccurate, without information from the furnisher. TransUnion made no effort to investigate. Please delete this item.
I have lost my job and do not make any meaningful money to pay the exorbitant mortgage. I have contacted Astoria Federal many times for assistance and modification but they always refuse to modify my mortgage. I was once given a reason that Astoria Federal do not conform to Federal Regulation and are not obliged to help me in any way. I have lived in my house since 2001 and my children and the entire family love our family home, community, schools, and church. I can not afford to loose this house and we love to continue living in this house. It has become our sacred home. Currently, Astoria Federal has increased our months payment from {$1900.00} which was incredibly difficult to bear to {$3300.00}. Efforts to modify and lower the monthly payment of {$1900.00} has been denied four times, but rather increased to {$3300.00}. Astoria Federal is just taking advantage of us financially and extorting. All efforts to modify or alternative assistance has been denied by Astoria on four consecutive times. I therefore write to request that my mortgage be modified as I lost my job and do not make meaningful money but my wife 's income is substantial to work for the modification. I ask that Astoria Federal work with us so that we can continue live our home and do not become homeless as the children are scared of becoming homeless now. 
Mortgage Company Information : Astoria Federal Bank Account Number XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX XXXX9242Respectfully, XXXX XXXX
Midland Funding is attempting to collect a debt with very little validation. I received a bill that I have no knowledge of. I believe this is identity fraud. 

I decided to go and do research through the XXXX ( Texas ) as of XXXX XXXX, 2017 XXXX XXXX XXXX Midland Funding does NOT have an " ACTIVE '' BOND to collect debt in the state of TEXAS. This is a huge violation. 

Section XXXX of the Texas XXXX XXXX prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. 



( Please Go And Verify The Above Fact Regarding Their Bonding Status Is True With The XXXX In Texas )
A " paid '' Judgement was placed on my Equifax credit report which never should have been there. I began disputing this item XX/XX/2017 with the Circuit Court and then on XX/XX/2017 with Equifax . Equifax disregarded my letter ( s ) and updated my credit report to show a " Balance " of {$930.00}. I did have an account with XXXX XXXX but that account was paid in full and it was never taken to court. I want this inaccurate information removed from my credit report immediately.
Discover BankInquiry fromXX/XX/XXXX-XXXX XXXX XXXX XXXX.This inquiry could stay on your report untilXX/XX/XXXX..Discover BankInquiry from XX/XX/XXXX-XXXX XXXX XXXX XXXX.This inquiry could stay on your report untilXX/XX/XXXXXXXX/XXXXInquiry fromXX/XX/XXXX-XXXX XXXX XXXXThis inquiry could stay on your report untilXX/XX/XXXX.See an error?Find out how to dispute a hard inquiryInstitution InformationXXXX/XXXXXXXX, FLXXXXXXXX XXXX
Dear CFPB, I had a checking account with TD Bank. I had a positive balance with {$500.00} in my account. I did not use my account for almost a year and then I received a notice that I owed TD bank {$450.00} dollars. My account was closed and it was sent to collection agency. Unfortunately, TD bank is not helping me, even though this was probably their error or mishap of information ( stolen check or identity ). I am kindly requesting CFPB to please ask TD Bank to please probe my account and see who used it and why I owe them {$450.00}.
I have lived at a rental property current name ( XXXX XXXX XXXX   ) with my ex girlfriend back in 2013 XX/XX/XXXX ( we both signed the lease ) for only a month in a 6 month lease term that soon after i found out my ex girlfriend stole my check books and Debit card and had to leave the rental apartment and involved polices and paid termination fee of one month rent by myself since she was a felon and i was not aware of. I filed lawsuit meanwhile against my ex girlfriend and she founded guilty because of identity theft and forgery. After few months passed i received a letter from XXXX XXXX XXXX XXXX   that i owe XXXX  $ approximately to the apartment i lived only a month though paid them one month advanced plus deposit. This has been affecting my credit and life in general since they keep harassing me because of that even though i explained them the situation and the money i paid for additional one month rent before leaving that place. I believe i am a victim of unfair credit report by XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX )
I was mailed a collection notice without me ever personally contacting XXXX XXXX XXXX. In the mail, they gave me 30 days to resolve an unspecified amount on XX/XX/2018.
For a couple of years I 've been able to exceed the max balance by {$2000.00} as long as the entire over limit balance is paid each statement. On either  XX/XX/XXXX  o r  XX/XX/XXXX  , I thawed my credit to apply for a personal loan with them which was declined. The main weighted reason for the decline was derogatory public information. I did n't know what this was so I checked my credit and there is a medical debt collections account for {$350.00}. Well, I had no knowledge of this debt and I 'm working to get it removed. I have received no written notice of debt and no one has contacted me regarding it  (  even from whatever the original company was  ) , it just showed up. Well, my card was over the limit ( but still within the grace period ) and they started declining charges a week later. When I called them they would n't acknowledge a grace period, would n't acknowledge a set grace limit ( which I had been told was {$2000.00} for me  XXXX .   I feel they are using the untrue collection information they obtained in the personal loan application ( through that credit pull ) and are using it against me on the credit card I have had in good standing for over 10 years.