WillisBack/dataset-financial-user-claim huggingface dataset:
This company made me a Video DVD, but never got back with me to edit the DVD. What I wanted in this DVD was to have Pictures of Women 's shoes, of the actual items I was selling on my website. I DID NOT want Pictures of Women 's Shoes I was not going to sell on my websites. I have not used the DVD in anyway at all. Why should I to pay for services that I am not happy with? I am not happy with the service they have provided in the past and will not subject myself to such treatment in the future. I can not begin to tell how disappointed I am with this entire situation. I have tried to contact you numerous times and conveniently you are not available. I have verbally expressed my concerns and have requested a Full Request on several occasions. Your agents have asserted that they will not return my money. This entire ordeal is sketchy! It has been my experience, while speaking with other companies such as Impact Knowledge. During the month of XXXX, my full time employer was working me XXXX hour shifts per day, six days a week. I made the executive decision to suspend my coaching sessions wherein a representative would XXXX XXXX XXXX train me on how to build my website my coach agree. My sessions were nowhere near completion. Then without notice you switched my coach. The new coach ONLY mission was to encourage me to register new credit cards my XXXX name, so I could be stuck in more debt, instead of starting business, appropriately. To date, I have yet to receive the product as described. 
I advised my credit card company of the situation, and the simply refuse to open up an investigation on my behalf. I even told offer this company the opportunity to remedy this situation directly. They told me they were XXXX company but charged me as a completely different company. Please get my credit card company to consider this matter seriously.
Im a victim of identity theft. Someone stole my drivers license, social security card, XXXX XXXX XXXX XXXX XXXXXXXX XXXX Visa credit card : XXXX, and my XXXX Visa credit card : XXXX from my mailbox, the United States Postal Service mail. I never received my drivers license, social security card, XXXX XXXXXXXX XXXX XXXX XXXX XXXX Visa credit card or my XXXX  Visa credit card in the mail. Someone stole all of my mail. There are fraudulent and unauthorized charges on both credit card accounts. My entire credit limit of {$2500.00} and {$2900.00} was used in a fraudulent and unauthorized manner.
I closed my Wells Fargo IRA in XXXX 2015 and noticed that funds were still withdrawn in XXXX 2015 from my Wells Fargo checking account to go into this nonexistent account. I notified the claims department and I was given a temporary credit in XXXX and then it was reversed XXXX " because I failed to return a Wells Fargo Document ''. I am currently out of the country and have been for several months and therefore I have not received any mail nor were any messages provided to me that claims department needed additional information. This reversal caused my checking account to be overdrawn and I suffered a series of overdraft charges as a result. Curious why Wells Fargo reversed this or asking for notarized statements, etc. since this is pretty straightforward : I closed the Wells Fargo IRA so what sense does it make for me to still be deducting funds from my checking account to continue to place funds into an Wells Fargo IRA that I closed and no longer exists? Now I have been chasing a moving target of notarized statements and poor customer service ( you can read the email thread I am enclosing as an attachment ). 


P.S. I called twice this morning and XXXX times, after being on hold for around 30 minutes each time, XXXX representatives I spoke with were very rude and seemingly incompetent. It was almost as if I was interrupting them. Is not their job to field questions from customers in a professional manner? For the record, the first rep hung up on me ( I am sure of it ) after I asked her for an explanation and the second one actually yelled at me ( yes, yelled at me ) when I asked her the question I asked you above, namely, what sense does it may for me to continue to deduct funds from my checking to put it into a Wells Fargo IRA that no longer exists? So, please do not ask me to call your XXXX number again.
I have a loan with SELECT PORTFOLIO SV CIN. I have always made all of my payments on time. One day I decided to check my fico scores with all 3 major credit bureaus, and I realized that there was a late  payment on my XXXX  credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX and SELECT PORTFOLIO SV CIN with no successful resolution. XXXX  only reporting me late on my account which stopped recording payment information since XX/XX/2013, that is 6 years ago! There was definitely an error on their part, as I was never 90 days late for four times, and 120 days late for five times.
I opened a Citibank checking and savings account package under a promotion to earn a {$400.00} bonus for depositing {$15000.00} and leaving it on deposit for 60 days. 

On XX/XX/18, I deposited {$15000.00} per the requirements. On XX/XX/18, I did an online chat to check status and was told the promotional code is not attached to my account even though I clicked through the offer on their site ( I've heard that this has happened to a lot of other people. ) The rep confirmed that I met the requirements but I had to call the XXXX XXXX XXXX XXXX about the promo code error. That rep ( XXXX ) put in a request to apply the promotion to my account and said to call back on XXXX if the bonus hadn't posted yet. 

On XX/XX/18, I did an online chat with XXXX to check bonus status again. The rep again confirmed that I met requirements but said I'd have to call the XXXX XXXX XXXX XXXX again about the bonus. That rep ( XXXX ) said it looks like there was a promotional dispute opened on my account back in XXXX but it was cancelled ( not closed per their process ) with insufficient notes about why. She also said there was a note that I didn't meet the requirements. I've been told twice that I met the requirements by other reps and there was no communication from Citibank to me that the dispute was cancelled. I've had funds on deposit with Citibank since opening the account in XXXX with the expectation that I would receive the {$400.00} bonus that was originally promised.
The credit bureau is reporting a bankruptcy on my credit report but the court does not verify that information. Therefore that information was pulled out of a third party reporting agency therefore it must be removed and deleted completely from my report. I would appreciate it once deleted to be notify via email. My email address is XXXX
Debt was discharged in bankruptcy in XXXX. Received letter XXXX from 3rd party collection agency stating that I still owe original creditor. I called XXXX, XXXX XXXX XXXX, spoke to XXXX XXXX & gave them the bankruptcy file number & told them this debt was not valid. He said my lawyer from the bankruptcy did not do their job & that here was an arbitration judgement issued in XXXX & that he was collecting on behalf of that judgement. He was able to finally verify the item was listed in bankruptcy discharge & continued to belittle my lawyer for getting me in this problem in the first place. He was very rude & made me feel victimized for something that is a non issue.
Purchased prepaid card on XXXX/XXXX/XXXX from XXXX. 
Did not use card until XXXX. 
Apparently someone else used the card number in XXXX to purchase goods or services AND registered this card number under their own name. Called issuer on XXXX/XXXX/XXXX. Issuer was vague and unresponsive. Suggested I fax in supporting documents, which I did on same date. 
It appears that this card number may have been issued twice. 
Issuer has failed to respond to my fax.
On XXXX XXXX, 2017, I called my credit card company, Capital One, to request a reward check. I spoke with a woman named XXXX. She wanted to confirm the name of my business. I requested this card about 20 years ago, and at the time had a small business. After I ended the business, I tried many times to change to a residential card, but was told there really was no difference, and no need to change it. When I explained this to XXXX, she said she was " cancelling my credit card, immediately ''. She was very rude. She said if I wanted a card, I would have to request a new one. This card was compromised twice in the past year, and many of my monthly bills are paid by this credit card. Now I had to contact these businesses again. I will never use Capital One again. I was a customer for 20 years, and always paid the entire bill monthly. I called them and wanted a supervisor or manager, and got XXXX. She said there was nothing they could do, and refused to let me speak with anyone. I received a letter today from them stating they closed my account, as requested. It was signed by XXXX XXXX XXXX, XXXX with no phone number to call. This is pathetic customer service.
I purchased XXXX airline tickets on XX/XX/XXXX at XXXX, i was paying for those tickets XXXX XXXX, the conversion rate on that day for XXXX US dollar was XXXX according to XXXX XXXX, the following day XX/XX/XXXX the rate for XXXX US Dollar was XXXX XXXX, when i got my statement in the mail I got a whole different picture, the credit card company postponed the transaction for almost a week making the transaction date for XX/XX/XXXX and the posting date for XX/XX/XXXX, the conversion rate on XX/XX/XXXX was XXXX XXXX for each US Dollar, this made the total charge to go up from {$2000.00} US Dollars to {$2500.00} US Dollars, I contacted the merchant addressing my concern about the date difference and they sent me in an email with all transaction information which clearly shows that the transaction was made on XXXX XXXX which supposed to making it post on XXXX XXXX, I contacted Barclay 's Bank and they instead of fixing the issue files a dispute against the merchant which I never asked, the merchant replied with evidence showing that I authorized this transaction which is true, in their evidence they show the authorization details and there it also says that the transaction was made on XXXX XXXX, Barclay 's Bank accepted the merchants rebuttal and returned the charge to my credit card, I wrote back to Barclays Bank explaining my problem that I am not disputing the merchant but requested the I should be refunded the difference of the XXXX rates which comes out to about {$450.00} US Dollars, they denied my request saying that they ca n't further assist me with this issue, I called up Barclays Bank and they said there is nothing I can do to fix this issue and they refused to refund me the difference between the XXXX amounts. 
I paid for the transaction because I did n't want to hurt my credit history, I never agreed to the full amount of the payment.
On XXXX/XXXX/XXXX I made a {$600.00} cash deposit at a CHASE ATM at the outside drive thru ATM. After taking the XXXX bucks the ATM screen froze, and did nothing but have a frozen error screen. Now, this has happened to me TWICE in the past six months, except this time, this ATM did not give me a error receipt to call and make sure the money was accredited. FIRST WARNING of something gone wrong, besides the original technical difficulties. After waiting several minutes and being honked at, I reluctantly drove around to go inside the CHASE branch to speak to a manager, where he supplied me with the claims number and the ATM information. After about an hour and a half of waiting on hold and being passed around to representatives I finally was told by the gentleman " I see you making the deposit at the ATM at the time of your claim, your account with be credited the {$600.00} '' Which at the time pleased me and thought all was resolved. Until a MONTH later, on XXXX/XXXX/XXXX I check my account to see a " reversed credit dispute $ -XXXX '' I had no warning, no one tried to reach me to tell me the issue. NO, they went sneakily behind my back a month later and took the money out of my account. Since then I have made multiple phone calls, spoke to several representatives, and have spent agonizing hours trying to get MY money back from THEIR technical errors. I have been told " there is nothing we can do, your money has not been retrieved, we have sent out technicians to our sister locations to try to find the missing {$600.00}, which has not been accounted for ''. I am now at FAULT for their faulty ATM 's. After doing some research I have seen XXXX individuals suffering the same as me with CHASE. I feel as though I have been CHEATED, and STOLEN from. That {$600.00} was hard earned server cash I worked months for, to save for XXXX and bills. Now I am collecting over draft fees, on top of my money being STOLEN. 

I am angered that I have done all of the necessary steps in my claims to get my money back. I was told I was SEEN on camera at the ATM by their own rep on a RECORDED phone call. They have proof I was there, in broad day light making the deposit, they can see me going into the building, even asked me to tell them the actual increments of bills I deposited, and now all of a sudden, its like I never even made the deposit. 

The customer service I have received is XXXX, I suffer from XXXX and confrontations like this eat away at me. This WHOLE ORDEAL HAS BEEN A NIGHTMARE. Basically being called a liar and thief, after I have been a CHASE client for YEARS. After seeing so many other people dealing with the same obstacle I feel as if CHASE MUST know about their faulty ATM 's, and I am screaming FRAUD!!!!!!!!!! FRAUD FRAUD FRAUD!!! How many people is CHASE making more money off of, by allowing these poor functioning ATM 's to remain operative? This is despicable for such a large banking corporation, and frankly I am disgusted. ITS MY MONEY, and CHASE stole it POINT blank, they NEED to take responsibility for THEIR bad machinery I made on THEIR premises, with PROOF.
The respondent was the broker for my mortgage to purchase my property. The transaction closed on XXXX/XXXX/2014. Prior to closing on any property, I had been given lock-in of the mortgage interest rate that lasted anywhere from XXXX days, which was done prior to closing. My mortgage broker/loan officer, XXXX XXXX, an employee of the respondent, left the loan float without offering the option to lock. In fact, the lock-in documents I have were executed at the closing table and were for a XXXX day period. Therefore, he left the loan to have a floating interest rate. This caused my interest rate to increase from the quoted 4.25 % to 4.5 % and was reflected on the HUD documents. This increase caused me to incur {$13000.00} in extra interest costs if the loan is carried to term. I was angry but remained silent. Six to nine months later, XXXX XXXX contacted me to refinance at 3.8 %. I explained that I was upset about the previous loan and that if he was contacting me I would help him out to earn a XXXX commission if several conditions were met : 1 ) Absolutely XXXX closing costs or refunding of the escrow 2 ) No increase in the loan amount, and 3 ) the interest rate quoted was locked in. When XXXX XXXX ran the loan and failed to meet these pre-defined parameters, he became aggressive. I demanded and spoke with the CEO XXXX XXXX who told me he could not make the loan because they would not make any money with those parameters. I explained in detail what happened with the original mortgage and the failure to lock in the rate. Because the position of loan officer, is a variable compensation position, there is an inherent conflict of interest between any loan officer 's personal priorities and that of the borrower. Because of XXXX XXXX 's flaunting of an expensive personal taste ( golf outings, high end automobiles, and vacations ), I felt that his interests were conflicted. As such the terms provided were best for Greentree Mortgage and not the customer. 

Since this time, I spoke with other mortgage lenders and explained this situation. The mortgage lenders were with XXXX XXXX, XXXX and XXXX XXXX. Both, independent of the other, stated that the practices outlined above are highly unusual. Both lenders encouraged me to file this complaint and educated me on the CFPB. 

I have received calls from XXXX XXXX claiming that I was causing him to lose his job and making him look bad to his boss. He stated " I hope you never see me in XXXX. '' The tone of his comments could have been understood/misunderstood to be in a threatening tone of voice. In response to my demands for a refund and a confidentiality agreement ( which would render me silent ), he threatened to call the XXXX XXXX Police Department and file charges against me for extortion. I explained to XXXX XXXX the definition of " disgorgement of ill-gotten gains '' and how my demand for a refund is not extortion. Details of this call were able to be recorded because New Jersey is a one-party consent state when it comes to recording telephone conversations.
PHH created fraudulent loan history to force foreclosure/eviction on us, we 've proven payment for the loan of {$15000.00} PHH wanted us to sign, we paid XXXX Bank in cashiers checks, we did not owe PHH. We are missing {$35000.00} in payments, all cashed by PHH. I have proof of all of this..we were also part of the {$6.00} XXXX settlement only for PHH to foreclose/evict anyway, PHH did not follow the NJ XXXX stipulation to apply all our payments, remove fees and bring us current. PHH " somehow '' managed to evict us ... someone is on the take, payoffs, something is WRONG here, how could we pay and still get evicted???? PHH took our credit, our money, our home, our chance for retirement and our lives ... I want it back!!!!! I have many documents to prove theses statements including an offer from PHH for {$50000.00} over the redemption cost ( we were denied redemption ), and we had to sign an agreement to not sue, be part of a lawsuit or hold PHH accountable in any wrong doing. PHH evicted us while I was completing XXXX treatments ... .can you say scum of the earth? PHH needs to be held accountable for what they have done and are continuing to do to homeowners. We had trouble from the day we signed our mortgage, we were never in a modification, did n't need one..we needed PHH to apply payments they cashed. We had no problem paying our payments.
I got a notification that I had a new account in collections and I saw that it was from my cable service from almost 2 years ago for a small amount of {$27.00}. I disputed the information with XXXX because I had no knowledge of this, but the dispute came back verified. I decided to contact the collection company, Stellar Recovery Inc., where they let me know what the debt was for. I told them I never received any bill from the original creditor nor any sort of correspondence from the collection agency since XX/XX/XXXX, when my debt originally began and it is now XX/XX/XXXX. Now all of a sudden this is showing up on my credit for a measly {$27.00}! The collection agency then told me they EMAILED me my collection notice. Emailed?! They then told me it probably went to my spam folder. Excuse me, but you 're talking about my credit that is at stake and the correspondence probably went to my spam folder? That is not sufficient notice in the almost 2 years and now this will be on my credit for 7 years. Unacceptable. I have searched my email and I have no email from Stellar Recovery , Inc . I would call this unfair debt collection practices.
They claim that I have a open collection account. How is this possible if the collection have been since 2012??? I also ask this collection company to show or go of validation of this debt in its original form, showing my sign signature with the original inbebtness contract in its original form. They never show proof XXXX  I also have confirmation from taxes and yet when I call the company and credit bureau, they saying that they have not received my disputed but my records show otherwise
XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Account Number Num : Balance {$190.00} Sir or Madam, I am writing in regards account XXXX XXXX XXXX XXXX on my credit report. I have filed a complain to the CFPB, that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

XXXX XXXX
Numerous phone calls harassing me about a debt from 2006. Threatening to garnish my wages and sue me for amount owed. Called asking for me with a partially correct name and different amount owed.
So I downgraded my card with the promise of the annual fee being reimbursed since I am in Massachusetts. 

I have yet to be reimbursed please look into XXXX
This account was paid off by the insurance company XXXX. This is my second time disputing this medical account with your bureau. Back in XXXX this account was disputed Under collection agency name XXXX. Now its been resold to Debt recovery solutions. And Im not sure as to why a paid medical account. Keeps being resold and reported on my credit report. But it needs to be removed ASAP. I plan on taking legal actions against the original creditor XXXX XXXX. For not resolving this issue as promised. This is what you call billing fraud. Attempting to collect money on an account that has been paid off