WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, XXXX, USI Solutions XXXX XXXX XXXX XXXX ) contacted me regarding an alleged year XXXX {$540.00} XXXX debt. 

I advised a person identifying herself as XXXX XXXX and XXXX XXXX her supervisor -- in conversations minutes apart ( XXXX XXXX XXXX that I 'm aware of no such debt and they refused to provide a written statement. Instead, both XXXX and XXXX pressed me to pay the unknown debt. They stated they would report the debt as a refusal to pay to credit bureaus. I am aghast at their strong arm tactics.
XXXX opted me in to over-the limit charges of XXXX car without my permission .... 
much damage proceeds from this 2009 credit card act violation
Equifax is report that I have a judgement on my account and the judgement number is XXXX from a XXXX XXXX. I do n't know this person and have never been sued by this person. I 've enclosed the actually docket with this dispute. 
1 ) That 's not my name the name of the defendant is XXXX XXXX 2 ) The date that this person sued was on New Years Day XXXX/XXXX/XXXX according to Equifax when you look up the case it looks to have been filed on XXXX/XXXX/XXXX and resolved on XXXX/XXXX/XXXX.
I sought relief from a State of Ohio tax lien against myself from the Ohio XXXX on XXXX/XXXX/15. On XXXX/XXXX/15 the Ohio XXXX after conducting a investigation into my claim that the lien filed against me was not valid, agreed and cancelled to reflect a XXXX balance. I was sent documentation to file a release of the lien at the XXXX XXXX XXXX XXXX XXXX XXXX, which was filed and recorded on XXXX/XXXX/15. My request for relief included documentation to provide the credit reporting agencies to remove the public records from my consumer reports. On XXXX/XXXX/15 the Ohio XXXX sent on my behalf a letter to Equifax requesting they update my account record as voiding and expunging any reference to this lien. After review of my consumer report on XXXX/XXXX/15 Equifax reported the lien as released but still reporting. On XXXX/XXXX/15 I started a new dispute with Equifax to again provide documentation asking for this lien to be voided and expunging from report. On XXXX/XXXX/15 I received notice of the results of their investigation. The results were found to be reporting correctly. I am now seeking the help of the CFBP on this matter.
I XXXX 2015 I disputed a charge from XXXX in the amount of {$380.00} because I paid them to repair my fridge, and it was not completed correctly. I called Bank of America on XXXX XXXX, 2015 and filed to dispute and they credited it back to my account on that same day. In XXXX they sent me a copy of the receipt XXXX had sent them stating the charge was valid because I signed. I never said I did n't make the charge - XXXX never made the repair good or honor their warranty.
I have disputed the late payments on this XXXX XXXX XXXX XXXX/XXXX   XXXX account for months. XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Dear Madam/Sir, I had been a Citibank Banking customer since XXXX. I had been a Citicard Mastercard and Visa customer since XXXX. By the end of XXXX, the relationship ended. 

My complaint centers on the fact that Citicard Mastercard XXXX Account # ******************* ) and Visa ( Account # ******************* ) cancelled my cards in XXXX XXXX soon after I had made a paid in full payment of {$24000.00} to Citicard Mastercard and a full payment of {$12000.00} to Citicard Visa. XXXX cards had been in arrears off and on for about one and a half years due to my unemployment status. I made sporadic payments over this time period but in the end I paid all monies due Citicard which included late fees and 15 % interest. 

I was never notified that Citicard cancelled both the Mastercard and Visa. I discovered this in XXXX XXXX when I tried to use the XXXX Citicard " thank you '' points I had earned over time. A Citicard manager ( XXXX XXXX XXXX XXXX XXXX ) informed me that my credit card accounts had been closed by Citicard and since they were closed I forfeited all of my points ( approx. value {$3200.00} XXXX. 

I certainly understand Citicards ' right to cancel my credit cards but I take exception to not honoring the Citicard " Thank You '' points I had earned. 

I am enclosing a Citicard statement from XXXX XXXX that shows my points. I can not show a more recent statement as Citicard has locked me out of my online account. 

I request that you investigate this matter and hopefully restore my points. I will use the points ' immediately to end my relationship with Citicard. 

Thank you for your consideration. 

Best, XXXX
On XXXX Bank of America stated that I was not eligible for the Bank of America Capitalization Loan Modification Program due to income not meeting program eligibility. The income calculated by Bank of America was {$17000.00} per month. Bank of America calculated PITA to be {$65000.00} ( {$5400.00} per month ). Yearly income calculated with an income of {$17000.00} per month would be {$210000.00} which clearly would cover the costs. Why was I refused the modification? Did Bank of America error in their calculations?
Gentlemen : I have a Union Bank Visa credit card and had been making automatic payments of {$100.00} per month for several years. My current balance is {$2500.00}. 

Recently there has been some management reorganization and restructuring and now they will only allow XXXX options. Either pay off the full balance or make only their minimum required payment of about $ 55/ month. I wanted to pay {$150.00} per month and get out from under this debt as quickly as possible. 
" No way '' according to them!!! 

This unethical practice effectively extorts maximum interest dollars from all of the bank 's credit card holders.. I have other credit cards and every one of them allows me to select my monthly automatic payments. 

I have called the bank many times and talked with many bank supervisors and they all say that these XXXX options are the only ones allowed. I just got off the phone with their Customer Advocate and was told that they are not breaking any regulations and their XXXX options still stand. It still smacks of greed and extortion to me. 
I would appreciate some help for both myself and all the thousands of other XXXX Bank Visa card holders. 

What they are doing is definitely unethical and constitutes the highest level of greed. 
This practice needs to be stopped immediately. Please help.
I attended XXXX XXXX University in XXXX. At that time I was told that I needed to borrow {$7700.00} to cover the remainder of the semester. The loan counselor stated that I would only have to pay {$50.00} a month to repay the loan. Now I have a {$200.00} payment with 13.50 % interest rate and the bill is now {$13000.00}. The university is a for profit university and was under XXXX at the time, which I was not told about. The loan has doubled and I was not told about the XXXX. The interest is {$140.00} each month and {$63.00} a month and I have been paying it since XXXX.
On XX/XX/XXXX I had 2 separate credit card payments due to Capital One. I paid both payments late, but before they were 30 days late. I was forced to pay the minimum amounts due, because my mother suffered a tragic death on XX/XX/XXXX, two days before my payments were due, and I was very busy making necessary arrangements for her funeral and subsequently am still handling her affairs, now. 

When I made the minimum payments due, apparently the minimum payments were {$1.00} and {$3.00} short, because additional interest accrued on the accounts 3 days after the minimum payments were due. Capital One is reporting each account 30 days late to my credit bureau. One 30 days delinquent by {$1.00} and the other account 30 days delinquent by {$3.00}. 

I received a Capital One Credit Wise alert to advise me that 2 of my accounts were 30 days delinquent and my credit score had been affected by 156 points. I was mortified. I then logged on to verify what the problem may be. When I realized the amounts of {$1.00} and {$3.00} were being reported delinquent, I thought it must have been a mistake. I called Capital One, immediately. After speaking with several reps, they were unable to locate the delinquent accounts and sent me on a wild goose chase insisting that it must be " some other credit card company reporting the delinquency because Credit Wise reports all credit card accounts. '' After spending hours calling every credit card issuer I have, I realized no other credit cards were delinquent and I called Capital One back. This is when a supervisor, the second supervisor I spoke with, advised me that yes, the two accounts were delinquent. One in the amount of {$1.00} and the other in the amount of {$3.00}. I asked if there was anything I could do to have the delinquencies removed, because it was affecting my score by 156 points. It was my first 30 days delinquency, ever. They said " no. '' Just " no, '' and refused to assist me in any way. I hung up and called back only to receive the same answer. I spent considerable time making 5 calls into Capital One, and the representatives were condescending and obnoxious. I have since paid the {$1.00} and {$3.00} oversight, but they refuse to correct the mistake.
When I opened an account with XXXX XXXXXXXX XXXX XXXX, I was advised the account would remain open with them as long as a payment was made or a purchase was made at least once every two years. 
Recently, however, XXXX decided to outsource the managing of their accounts to a third party bank, XXXX XXXX. XXXX XXXX has numerous complaints about them online, and I 'm not sure why XXXX partnered with them to begin with. 
To make matters worse, when they transferred my account to XXXX, XXXX reported to all of the credit bureaus that the account had been closed with them. This caused my line of credit with XXXX to disappear, and my credit card utilization skyrocketed as a result. All of this happened without my being notified, and it happened as I was applying to cosign a loan. Fortunately, the loan was still approved, albeit at a higher interest rate. 
I attempted to contact XXXX customer service numerous times, but their system transferred me to XXXX XXXX XXXX  customer service each time. 
This was a terrible customer service experience, and I do not feel I can trust XXXX moving forward. I would encourage everyone to avoid XXXX at this point unless they plan on being more transparent and better customer-service oriented in the future.
rec XXXX XXXX XXXX, XX/XX/XXXX, paid, XXXX XXXX XXXX XX/XX/XXXX, PAID, XXXX XXXX XXXX XXXX XX/XX/XXXX PAID. XXXX XXXX, XXXX XXXX XXXX, XX/XX/XXXX.PAID. XXXX XXXX XXXX XX/XX/XXXX OVER 10 YEARS OLD XXXX XXXX XXXX XX/XX/XXXX, PAID XXXX XXXX XXXX XX/XX/XXXX, PAID XXXX XXXX  XXXX XX/XX/XXXX. PAID XXXX XXXX XXXX XX/XX/XXXX. PAID XXXX XXXX XXXX XX/XX/XXXX. PAID XXXX XXXX XXXX XXXX, XX/XX/XXXX, PAID XXXX XXXX XXXX XXXX XX/XX/XXXX CLOSED CHARGE OFF XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX CLOSED CHARGE OFF XXXX XXXX XX/XX/XXXX XXXX XXXX/ XXXX XX/XX/XXXX XXXX CLOSED CHARGE OFF XXXX XXXX XXXX XXXX XX/XX/XXXX CLOSED CHARGE OFF
A recorded message calls me employer looking for me and giving the number XXXX stating to call immediately. I have called and stated that I am not allowed to receive calls at work however, they continue to do so. I have asked that they send a letter of debt validation and they have not done so.
XXXX cell phone. being charged for a contract that was not told to me. i was unaware of such thing, if i really was told or explain this i would not have taken the phone that i return
On XX/XX/XXXX I submitted a complaint. Complaint # XXXX about WELLS FARGO CARD SERVICES. Wells Fargo had charged my mother, an XXXX year old woman with XXXX XXXX XXXX   for services like Life Insurance that would pay off her credit card balance when she passed away ; two accidental death insurances, and a Preferred membership program for discounts to concerts and such [ REALLY! What is an XXXX  year old going to do with this? ]. Wells Fargo then raised my mother 's interest rate to 18.35 % and continued to charge her from XX/XX/XXXX to XX/XX/XXXX, all the while the balance went from around {$2800.00} to over {$8000.00}. Then they cancelled the Life Insurance that would pay off the credit card when she passed away. I sent Wells Fargo my Power of Attorney and made many phone calls. Wells Fargo stated they did not have the Power of Attorney and would not speak to me. I went to lawyers who stated there was nothing I could do. I went to the Office of the Controller of Currency ( OCC ) who told me to contact the CFPB. Finally, I found someone who helped me. I filed a formal complaint and Wells Fargo responded. They sent a letter stating they have had my Power of Attorney since XX/XX/XXXX. They also removed most of the Life Insurance charges and the preferred membership charges. The bill was brought down to {$1100.00}.

My current complaint is # 1Wells Fargo was asked to remove those services but are continuing to bill for them. My sister made a payment of {$200.00} on the balance of {$1100.00} and the balance is now {$1100.00}. When I called Wells Fargo to find out about the charges and why only {$10.00} was put toward the bill ( where did the other {$190.00} go? ) the Wells Fargo phone rep stated that was interest and there were charges put on but then they were taken off. But why then is the balance {$1100.00}?

# 2 When Wells Fargo removed the charges for services over ten years, they kept the interest they charged for those bogus services for all ten years. WHY? Shouldn't the interest have been refunded as well?

I am grateful for what you have done for me at CFPB. Can you please investigate Wells Fargo and ask them to return my mother 's interest?
I started being charged by BoA a monthly maintenance fee without warning. I suspect it's because they changed my account type ( from online to core checking ) without first telling me.

I logged into my account online to try and contact them, to figure out how to contact someone via email since I am abroad. There is a chat section in their " contact us '', but it is a dummy. I.e. supposedly some option have chat available, some do that but in reality none of them have a chat option. It's fake. 

I want to know why I'm charged these fees and have them reversed. I don't know why no one is contactable in a straightforward manner. It's actually frightening to see some of the options that do not have any support provided.
This is serious. I made a dispute regarding a credit card that should expire XX/XX/2018. Capital one made a huge error & investigated the wrong card. They left the disputed debt on & removed my oldest card which is in good standing. This dropped my score by 100 points! I am trying to clean up my report not destroy it! Please please help!!!!!! 
I did a lot of disputes & if I accidentally did this one please cancel it! I'm so upset!!!! I'm crying!!!
I contacted XXXX XXXX XXXX in regards to a lien that was taken out on my car that was not taken out by me. I have disputed this information and I have tried to contact the company through the CFPD. This company has not responded back to me. I am requesting that the credit breaus take the information off of my credit report because this debt was a result of fruad. someone took a lien out on my car and my car was taken and these people are still showing a balance on my account. XXXX XXXX XXXX has not gotten back to me the two times I have contacted them in regards to this debt.
In XXXX 2018 I received an alert from my credit monitoring app that my XXXX student loans was 2 mths past due. I immediately called XXXX and Notified them of the report. They said that was an error and their part and that the two loan amount were n't allocated properly. They promised they would notify the creditors. A week later it was reported that indeed the accounts were in good standing and never paid late. On XX/XX/XXXX I received another alert from my monitoring app that my student loan was 30 days past due. I have never paid late and they have continued to cash the checks I send every month. This has affected my credit score in the worst possible way. My score has dropped 70 pts which is crippling my ability to obtain any loans
In XXXX of XXXX I received a debt collection letter from " Schlee & Stillman Law Office, LLC '', regarding a debt I supposedly owed a " XXXX XXXX XXXX ''. I immediately replied ( by certified mail ), requesting details of the debt, including copies of statements, amounts owed, prior collection efforts, etc. 

I received absolutely no response until yesterday ( XXXX XXXX, XXXX ), when I received what appears to be a copy of a Garnishment Summons, relating to a judgment apparently obtained in XX/XX/XXXX against someone with a similar name to my maiden name. 

I do not believe I owe this debt, but apparently this law firm is attempting to garnish my wages, and will not even respond to my attempts to contact them. I have attempted to call them, and get nothing but a recorded message about their firm being a debt collector - no human ever answers.
XXXX XXXX XXXX refused any communication for over a year with my lawyer who was attempting to negotiate a settlement on my behalf for the balance due on a XXXX  credit card. I requested that my credit card be closed and XXXX reported the balance as a bad debt write off, yet they continue to report the balance as outstanding for the past seven years to all three major credit bureaus hurting my credit score and making impossible for me to qualify for a mortgage.
On XX/XX/2018, opening my email I discovered a notice from Bank Of America confirming a XXXX dollar transfer to XXXX XXXX. This was not authorized by me.
XXXX XXXX XXXX To whom it may concern : " XXXX XXXX XXXX helped me with fund-raising campaign to gather funds for my medical expenses. Upon completion of the fund-raising round, a check for {$4800.00} was sent to me. 
The custodian for the funds raised was supposed to be XXXX XXXX. Given that I am an ultimate beneficiary of the funds raised, by error, the check was written to my name instead of XXXX XXXX. 
On XXXX XXXX, XXXX, I and XXXX XXXX went into the XXXX XXXX branch ( XXXX XXXX XXXX, XXXX, OH, XXXX ) of JP Morgan Chase bank to deposit the check. This branch happens to be the branch, where my account was opened and I conduct banking. Having presented the situation to the branch associates, we got a go ahead to " double endorse '' the check in question and to have it deposited to XXXX XXXX 's account in JP Morgan Chase. We proceeded and deposited the check right there and then. The check got successfully cleared on XXXX XXXX, XXXX. However, afterwards, the Chase Bank put account under the review, subsequently froze the account and eventually closed it about a week later. 
Upon account closure, XXXX XXXX received a " closure correspondence '' from the Chase Bank, refunding him all the money contained in the account short of the amount of " my check '' deposited on XXXX XXXX, XXXX. 
Ever since, multiple attempts have been made by phone to the " back office '' and in person at the local branch to try to receive the funds or at least to find out the whereabouts of it. Over the past 7 weeks, various demands have been made by the bank as necessary conditions for funds release and all have been satisfied. Each time demands were met, we were about to learn that what was done was not so crucial or critical, and there was yet another demand we were not told about, that we were supposed to fulfill. 
I, XXXX XXXX, different officers from the charity " XXXX '' diligently tried and succeeded meeting and exceeding every request and demand placed upon us. Yet, after 7 weeks of efforts and attempts, the Bank still retains the funds, refusing to release it or to reverse original transaction and declines to provide any formal response as to what happened to the funds, its location, the reason for retaining it and timeline for its release. 
It appears to be a plain larceny on the part of the bank and has been causing tremendous waste of time and resources on behalf of multiple parties as well as delay in vital medical care to which end the funds have been raised. 
I implore the Office of Comptroller of the Currency to look into the matter and bring the speedy resolution of the issue, granting us the access to the much needed funds. 

Thank you! 

Sincerely, XXXX
I pay Mr XXXX to do a Chapter XXXX to save my house he file the forms but never kept up on bringing in documents which was require for to do so and on top of it all he never told me and didn't show up nor did he have someone to stand in and I loss my house. the last thing we talked about if I going to loss my house he said no, instead of him doing what he was payed for that was he show up or have someone to replace him. Now I loss my house I sleep in my car I eat whatever it's in the street. Please I need help I want him to pay me what my house was worth so I can get another one
On or about XXXX/XXXX/XXXX I was taken to the emergency room by XXXX XXXX XXXX -these charges were covered by my employer heath plan
This debt was settled with a debt consolidation with XXXX in XX/XX/XXXX-XX/XX/XXXX. XXXX XXXX has been notified via multiple attempts to clear this collection from my credit reports. XXXX XXXX continues to harass me with collection notices. The continued collection status has effected me financially with low credit scores, and the inability to refinance my home at a lower interest rate.
Hi, I am submitting this request regarding Coinbase 's glitch on XX/XX/XXXX where I made a Market purchase for BCH in USD for a total cost of {$3200.00}. During go-live sale for BCH on XXXX the price was jumping all around, to a point where it climbed up to a price of {$9500.00} where Coinbase had to freeze the exchange because of how out of control it was. 

My market purchase of {$3200.00}, was split into 2 purchases, XXXX BCH for {$5700.00} and XXXX for {$5900.00}. This granted me a total of XXXX BCH, short of what I should of received. Other exchanges did not have highs in the past months over {$5700.00}. 

I have submitted a ticket to Coinbase but have not received any support or call back on this issue.