WillisBack/dataset-financial-user-claim huggingface dataset:
I am writing this letter to request assistance obtaining a reversal of funds withdrawn from my checking account at the Bank of America ( BOA ). This withdrawal created a negative balance and caused a financial hardship ; my bi-weekly paycheck hit the account. I requested the BOA to replace the funds to satisfy the overdraft while they further conduct their fraud investigation. I call the bank daily to obtain the status of BOA investigation. The representatives tell me that the investigation could take between 45 to 60 days to complete ; meanwhile, my account receives overdraft fees. On XX/XX/2018, I noticed an unauthorized withdrawal from checking account for {$550.00} ; I immediately contacted the bank to report the transaction. On XX/XX/2018, the bank refunded the money and conducted their investigation on the Merchant ( XXXX, TX ) to obtain more information on the company and the transaction. On XX/XX/2018, the BOA applied a temporary credit reversal on the XX/XX/XXXX fraudulent claim against my checking account for {$550.00} which caused an overdraft. I contacted the bank to obtain the status of the refund, and the representative asked that I submit a letter ; I sent the following letter : I am requesting a hearing on the decision to deny the fraudulent claim of an unauthorized withdrawal from my checking account on XX/XX/2018. The representative I spoke with on XX/XX/XXXX directed me to write a letter regarding my knowledge of the fraudulent withdrawal transaction from my checking account. The Bank of America representative said the denial was determined after an investigation raised questions about withdrawals that occurred in XX/XX/XXXX and XX/XX/2018. I am not aware of how the fraud happened, and I did receive calls from the Bank of America reporting the compromise of customer accounts. The BOA immediately canceled my debit card and reissued a new card by mail. I monitored the checking account and noticed a couple of unauthorized withdrawals ; I notified Bank of America immediately. I am requesting a hearing to reconsider the denial of fraudulent charges to have the money redeposit back to my account. I don't know anything about the company or who may have accessed my account. I feel it is unfair that I am penalized and held responsible for the unauthorized withdrawals. The overdraft on my account caused financial hardship, and I ask that I not be held accountable for transactions that are out of my control. I am requesting a hearing to replace the funds withdrawn from my checking account which created a negative balance and caused a financial hardship. I call the BOA daily to obtain the status of the investigation and decision to refund the {$550.00}. To date, the representatives say the decision may take 45 to 60 days meanwhile I lost my paycheck ( auto deposit ) to the account which continues to receive NSF fees. As I write this letter, I recall the airing of XX/XX/2018, XXXX XXXX XXXX with XXXX XXXX discussing problems many banks face dealing with XXXX hacking into checking accounts. I would appreciate your help to solve this problem with the Bank of America.
I am trying to refinance my student loans, I was 90 days late in paying Comenity Bank on a XXXX account {$23.00}. They account now has a XXXX and Comenity has increased my credit balance. However, they put a negative rating on my credit history. I requested, in light of the fact there is a XXXX, and they increased my credit limit, to remove the negative rating from my credit. Comenity refuses to do so and this negative notation could stay on my credit indefinitely. Comenity requires a letter by regular mail disputing the negative rating. Comenity refused to provide me with an explanation of their process and what they review to remove the negative rating.
Paypal holds money even when they are giving information that the seller has received their items back, to make interest off the holds they do. This is illegal
I sent two cease and desist letters to Portfolio Revcovery Associates concerning a debt that is past the statute of limitations. One letter was sent on XXXX XXXX, XXXX another letter was sent XXXX XXXX, XXXX. The debt collector has ignored my requests to cease and desist. The most recent phone call is on XXXX XXXX, XXXX.
Case # XXXX Please Do not closed this complaint unless this issues is resolved I have never had a XXXX XXXX account I have asked this company to please Validate this debt and they have failed to do so! I 'm asking again Re : Acct No XXXX To JEFFERSON CAPITAL I am  writing this letter in response to the phone call/letter received from you on XXXX17. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. <P/>Please provide me with the following : 1.Agreement with the creditor that authorizes you to collect on this alleged debt 2.The agreement bearing my signature stating that I have agreed to assume the debt 3.Valid copies of the debt agreement stating the amount of the debt and interest charges 4.Proof that the Statute of Limitations has not expired 5.Complete payment history on this account along with an accounting of all additional charges being assessed 6.Show me that you are licensed to collect in my state ; and.Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. <P/>Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. <P/>Thanking you, XXXX XXXX
XX/XX/XXXX I filed Chapter XXXX bankruptcy. 
XX/XX/XXXX I received a Discharge Of Debtor ( s ) XX/XX/XXXX XXXX Credit Card and Citi Cards/Citibank both companies put on my credit : Date of status XX/XX/XXXX, Debt included in Chapter XXXX Bankruptcy on XX/XX/XXXX. Which is correct. 

Beginning of XX/XX/XXXX I applied for a line of credit through my bank. I was denied due to two delinquencies within the last three months, XXXX XXXX & Citi Cards Citibank. 

XXXX XXXX & Citi Cards Citibank Both companies updated my Bankruptcy to XX/XX/XXXX, so now when creditors look at my report it looks like my debt was recent. Please Help
Multiple attempts to get my Experian report online ( XXXX ) have failed in spite of entering accurate responses to their questions. This only happens with Experian. It should not be so difficult to get my report, they are making it intentionally difficult and do not provide adequate or timely methods to resolve report request related issues. It feels as though they intentionally provide contact info, phone numbers and online information geared toward subterfuge. Very frustrating. Thank you for your help and consideration.
XXXX XXXX Credit Cards Ending In : XXXX & XXXX XXXX XXXX XXXX Credit Cards Ending In : XXXX & XXXX XXXX XXXX XXXX Credit Card Ending In XXXX There are no Balances owed on any Credit Cards
Transunion will not allow access to my credit report to dispute the fraudulent items. They only display option to pay them money. They will not allow me access to dispute at all.
I have attempted to communicate with Investment Retrievers on numerous occasions dating back to XX/XX/XXXX. In XX/XX/XXXX, I retrieved a copy of my credit reports and noted that this company was reporting an entry on my credit reports that had inaccuracies. To that end, I submitted a letter to them dated XX/XX/XXXX. I did not receive a response from this company. Please note that I have never did any business nor have I ever signed any contracts with this company. My second attempt at communicating with this company was as recent as XX/XX/XXXX. In the letter that was sent, I again requested that the company provide documentation to support what they were reporting was validated. To date, I have not received a response. 

Also note that I have disputed this entry with XXXX and XXXX alike, yet they confirm that it is verified. My question and concern is how are the bureaus receiving notification from this company to the extent they are able to verify the account entry, yet the company has failed to respond to my disputes on multiple occasions. Additionally, duly note that ALL correspondence I sent was sent certified with a return receipt. Investors Retrievers did indeed receive the letters, yet they did not respond and have not responded to date. 

As such, my request is for this erroneous, inaccurate, unverifiable entry be deleted from my XXXX and XXXX reports. XXXX deleted this inaccurate entry in a previous dispute, which again raises concern as to how and why these other two bureaus are still reflecting and reporting. 

DELETE THIS ENTRY IMMEDIATELY!!
I have a XXXX XXXX mileage plus credit card from Chase. As part of the benefits of the credit card each year the consumer receives XXXX XXXX XXXX passes. These passes have an expiration date on them. However, in the past XXXX has look the other way to use expired passes ( not every time though ). The consumer pays an annual fee each year the credit card account is open. If the passenger/consumer cant walk into a XXXX club with a day pass then why should the consumer be charged an annual fee from Chase? During the past several months XXXX XXXX has disavow/refusing day club passes at various airports ( that come with its co-brand credit card ) access to open lounges in XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, etc ... while the airline renovates other lounges in the same airports. Poor passenger experience and signals that cobrand cardholders are second class customers. Even if a consumer/passenger is flying on a paid walk up, last minute prem. XXXX First class ticket and showed XXXX of the XXXX passes, still denied entry! Last month in XXXX I was flying to/from XXXX XXXX XXXX and XXXX failed to renew liquor license so XXXX dry days at XXXX XXXX Airport. The gaffe affected XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX in XXXX XXXX. The XXXX club in terminal A could have served alcohol, however its closed for renovation. Looks like Mileage Plus is a now a second tier program. I guess co-branded Chase Airline/Club cards are the next whack.
This company is illegal reporting I've had 2 accounts in this office since XX/XX/XXXX ( medical ) and the debt was sold in XX/XX/XXXX ( confirmed by the other agency ) however BOTH AGENCIES are  reporting the SAME DEBTS as an active and verified debt. I've called and left several messages on the " supervisor '' line and have yet to ever receive a return call. My next step is obtaining a lawyer and pursuing legally for the negative affects on my credit.
Experian will not allow me to dispute information in my credit file that is incorrect because they say they are unable to verify my identity but yet I was able to retrieve my credit report from them. I had previously filed a dispute with them and upon completing the investigation there were still errors on my credit file. However now they are saying they can not verify my identiy and I need to submit my request by mail. I disagree with that because I just got a copy of my Experian credit report and I should be able to submit my disputes on line as well. I have included proof of my current credit report and experians rejections of my disputes.
Chase credit card has reported inquiries on my XXXX credit report on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and I haven't applied for credit with chase card. These inquires are unauthorized.
On XX/XX/XXXX by car that was financed by Captial One was totaled, my insurance paid majority of the balance, and rest was covered by GAP insurance I have purchased through my dealership. On XX/XX/XXXX Capital One withdraw another monthly payment. I have called them back and requested this payment to be credited to me due to the fact that car is totaled and insurances are covering by balance. Capital One returned this payment on the same day. I have provided them with my GAP insurance information and contacted GAP insurance to expedite payment. In XX/XX/XXXX I have received a letter form Capital One stating that there is still an unpaid balance due. I called them on the same date and learned that GAP have not issued full payment just partial. I have contacted GAP and got conformation that they will issue a payment ( delay was caused by a dealership ). I have not heard form Capital One since then, until l in XX/XX/XXXX they reported my account as negative. I have contacted the several time trying to reason with them, offered to make a payment and asked then to remove negative reporting since they have willingly returned my payment in XX/XX/XXXX. They were not helpful and not honest stating that I broke contract and stopped my payments without them agreeing to it. 

As a consumer we are not protected and at the full mercy of this companies. i am asking you to investigate and correct this situation. 

Respectfully, XXXX XXXX
I do n't have an account with Capital One which has sent an account listed in my name to an Attorneys office for collection. 

This account was written off 2 years ago according to the letter attached with Capital One. This account was opened " online '' which was not by me, therefore, Capital One does not have a signed contract from me.

Capital One has agreed to Cease and Desist their collections. 

However, I just received a notice from : XXXX XXXX, XXXX XXXX XXXX XXXX OF XXXX, STATE OF NEVADA regarding Capital One Bank vs XXXX XXXX. 

They want to file a Default Judgment on me. 

This is not my account. 

Capital One has Ceased all collection activity.
Equifax had a security breach back in XX/XX/XXXX in which 160 million people 's personal information, ranging from addresses, drivers licenses, and social security numbers, was stolen. They did nothing to notify those people until XX/XX/XXXX. According to their own website it is likely that my information was stolen.
The only fix Equifax has offered is a year 's worth of identity protection if I waive my rights to sue them in court. Their service means nothing to me when they ca n't protect their own data why would I trust them to protect it now?
I have talked to American Express two separate times attempting to explain that I have been XXXX and have not had a XXXX in 6 months. Every time they talk to me they ignore what I have to say until the point that I agree to receive a payment to an account that I have made clear is empty. I feel pressured to agree to this and have been given no alternative by American Express. American Express also has harassed my family from a phone number that I have made clear to them is not a number I want them to call from. They frequently call as often as three times a day.
Navy Federal Credit Union will not let me resolve issues via their telephone teller. This ahs prevented me from accessing my accounts and paying bills in a timely manner.
Bayview Loan Services is engaged in Mortgage Service Abuse Bad Faith and Unfair Business Practices, and Breach of Contract. 

Bay view is material breach of paragraph XXXX of the Home Affordable Modification Agreement- for Loan # XXXX. -Exhibit-A XXXX and XXXX XXXX entered in to a loan modification with XXXX XXXX XXXX XXXX , XXXX. on XXXX/XXXX/XXXX with the first payment to commence on XXXX XXXX. 
The loan Servicer change on XXXX/XXXX/XXXX form XXXX XXXX XXXX XXXX, XXXX. Loan # XXXX to Bayview Loan Servicing Loan # XXXX. 
In XXXX XXXX after the third anniversary of the Loan Modification the homeowner contacted Bayview Loan Services in regards to status of the Deferred Principal Reduction Amount which had shown not change. 
In XXXX XXXX XXXX XXXX again contacted Bayview Loan Servicing to inquire as to the when she would receive the XXXX for the balance of the Deferred Principal Balance Forgiveness as per the final Modification anniversary date of the Modification XXXX/XXXX/XXXX. The Homeowner was told to submission a written request to Bayview research department which was done on XXXX/XXXX/XXXX. 
In response to the Homeowner written request Bayview Loan Servicing sent a letter dated XXXX/XXXX/XXXX Exhibit- B making no reference to the Deferred Principal Balance forgiveness as out lined in paragraph XXXX of Exhibit -A, But only {$660.00} accrual though Date XXXX/XXXX/XXXX. 
On XXXX/XXXX/XXXX again reached out to Bayview Loan Servicing for further clarification as to why there was no action on the part of Bayview Loan Servicing for the Deferred Principal Forgiveness and spoke to an XXXX XXXX # XXXX who agreed that there should be a credit of {$49000.00} of the deferred principal that was to be forgiven. 

Exhibit -A Home Affordable Modification Agreement- for Loan # XXXX XXXX XXXX pages Pages XXXX paragraph XXXX -- modification date first modified payment will be due XXXX/XXXX/XXXX. 
Paragraph XXXX, new maturity date will be : XXXX XXXX, XXXX Paragraph XXXX the of the new note will include all amounts and arrangers that will be past due as of the Modification Effective Date ( including unpaid and deferred interest, fees, escrow advances and other cost, but excluding late charges modified principal balance of {$610000.00} as the new Principal Balance. 
Paragraph XXXX {$140000.00} of the new principal balance shall be deferred and will be treated as a non- interest bearing PRINCIPAL FORGIVENESS. 
The Deferred Principal Balance is eligible for forgiveness ( the " Deferred Principal Reduction Amount '' ) .Provided I am not in default on my new payments such that the equivalent of three full monthly payments are due and unpaid on the last day of any month, on each of the first, second and third anniversaries of XXXX XXXX, XXXX, the Lender shall reduce the Deferred Principal Balance of my Note in installments equal to one-third of the Deferred Principal Reduction Amount. The New Principal Balance less the Deferred Principal Balance shall be referred to as the " Interest Bearing Principal Balance '' and this amount is {$460000.00}.
This is not my debt. I 've told these people this repeatedly. It 's for some wildlife books or something. I never ordered them. I 've spoke to reps multiple times. I 'm very aggravated they can just claim I owe this then turn me in for collections.
I went to XXXX XXXX for XXXX and being that I worked in the morning I went to evening classes. Only to find out there was only a teacher there to teach me 2 days out of the 5 day week. I 'll be thrown into the lower level classes to watch them do the SAME thing I just passed. It was n't fair! I feEl that school took my money for the loans and I do n't think I should pay that back. I started in XX/XX/XXXX and left in XX/XX/XXXX.
XXXX and Speedy Cash sent in a collection that is not mine. My SS and my daughter SS was taken. I never was verified in writing of this debt and needs to taken off the report Thursday XX/XX/XXXX I was called a man name XXXX stating he was coming to my home and serving me in XXXX County. He used abuse language and he was coming to my home. I called the police. This is also an illegal and possible civil suit
I enrolled into a XXXX. I am over {$100000.00} dollars in debt ( due to insanely high interest rates ). I was never able to finish school because I reached a " cap '' on federal loans and I was n't able to receive any private loans. Navient is asking me to pay over $ 500 monthly to pay back my parent plus loan. I make {$2000.00} a month and that is IMPOSSIBLE. They have no sympathy for their borrowers hardships and continue to tackle on fees and interest.
GM Financial is reporting an old debt on my credit file from 2006. The loan was never with them my loan was with Americredit that i paid the loan off with. The debt is over 10years old and paid in full - i tried to apply for financing for another car loan recently and was denied due to this old car loan being reported
I applied  for a Loan modification back in  XX/XX/XXXX . My accou nt representative was always very helpful. They sent the document to me and I faxed it back multiple time due to " they never received them '' at the time. My account representative told me not to worry after the modification was done the account would not show late. I applied for credit last month and was denied because my mortgage was late 8 times. I connected ocwen and they sent a response that there was nothing that they could do. I do n't feel its fair that a representative told m e one thi ng and they wont hold up to their word. The dates in question  are  XX/XX/XXXX - XX/XX/XXXX .
I had an open complaint with the CFPB regarding my loan with Wells Fargo. I reviewed their response via your web portal in which they stated they were unable to reach me. The response infuriates me, because Wells Fargo DID NOT act in good faith to allow sufficient time for me to respond to a call. When I spoke with an agent, XXXX XXXX, in the office of the president, she maintained that the responses were, in a word, canned responses, and that the " CFPB knows what we mean when we say we are unable to make contact. 

As a consumer, I find it appalling that a company like Wells Fargo can get away with providing false and inaccurate information to a branch of the federal government, and if it is true that the CFPB " knows what [ they ] mean '', I do not understand how it is possible that the CFPB is protecting consumers. It would seem that the CFPB is catering to the lenders and agents who are abusing consumers rather than taking these lenders to task over false and/or inaccurate information. 

When I asked Wells Fargo to provide a clarification letter, they stated they would n't because that was not how the " CFPB wants [ them ] to communicate. '' Again, it would seem like the agency tasked with protecting consumers prefers to have inaccurate information provided to it versus forcing the lender or company to be truthful in their statements.
Our lender is requesting an updated barclays statement with account number and balance ( not an uncommon request ). I called on XXXX and was told that their systems are down and it would take up to XXXX hours to complete. XXXX hours later the request was not completed. I called again on XXXX and they said they would email it by XXXX. They did n't. I called at XXXX on the very same day and they said it would happen by XXXX. It did n't. I called again at XXXX and they told me that the person I spoke to on Tuesday did n't create a case number. This is unacceptable as our financial future hangs in the balance. How is is that every other major credit card company was able to comply with a very common request within minutes, but barclay 's was unable to. This does n't seem fair or right that I will incur financial loss from their incompetency. Also, how is it possible that a financial institution has no backup plan for when systems are down. They keep saying their fax is down. In 2015, really?