WillisBack/dataset-financial-user-claim huggingface dataset:
My wife and I filed and received a chapter XXXX bankruptcy in XXXX XXXX. We continued to pay Specialized Loan Servicing outside of the bankruptcy, however they refused to send monthly statements and they removed my ability to see my account on-line. In XXXX XXXX, we apparently failed to make the monthly payment, a complete oversight on our behalf. SLS then began showing that we were 30 days late, we were completely unaware, and they continued this until the discharge of the bankruptcy. They also, during this entire time, reported to the credit bureaus that we were paying on time, again making us believe everything was OK. Then suddenly when the discharge took place in XXXX XXXX, they updated all the credit bureaus to reflect that we had been 30 days late every month XXXX 48 months XXXX. We should have been shown 30 days late XXXX time in XXXX of XXXX ... XXXX time, but instead they decided to punish us and show us late for four years. In my opinion this was a willful act to blemish our credit and reputation. When we were notified of the oversight ( missing payment ) we made it good, along with fees, but this was not good enough for SLS. To me it is an unfair practice to not supply a statement to a customer and not allow them access to their account, but then you want to smear their credit when you do not receive a payment.
To : Santander Holdings USA , Inc. 


Complaint ( Pre-settlement notification ) 1. I am filling a formal complaint after previous unsuccessful attempts to solve the issue over the phone with a call center operator. I am copying the Consumer Financial Protection Bureau responsible for supervision and enforcememnt of federal financial consumer protection laws. 

2. At the opening of my account with your representative XXXX XXXX XXXX at a branch located at XXXX XXXX, XXXX, NY, I expressly rejected to consent to overdrawing and any fees associated with overdrawing. I made such a decision on purpose in order to avoid unintentional overdrawing and fees commonly associated with it. Therefore, I assumed that overdrawing from my account was not possible under any circumstances. 

3. On XXXX XXXX 2014 I deposited a check of XXXX USD issued by a third party. Consequently, I conducted XXXX transactions totaling XXXX USD. At that point I was not aware of the fact that the check had not been deposited to my account, as the Bank had not notified me that the check was not valid due to the issuer fault. Moreover, the Bank did not notify me that the account balance was not sufficient to cover the concerned transactions. The Bank charged me XXXX USD per each transaction, in total XXXX USD as an overdraft fee. This means that the Bank let me overdraw my account without notifying me of the failure to deposit the check and without my previous consent the Bank charged XXXX USD overdrawing fee. Furthermore, as a consequence of the previous, the Bank closed my account and claimed the fee thus effectively preventing me to settle the balance. 

4. I would like to emphasize that pursuant to law banks are required to disclose any fees when the deposit account is established and they may not assess an overdraft fee on an ATM or one-time debit card transaction if the account holder did not affirmatively consent or agree to the fee. I claim that these conditions have not been yet, particularly as I have never provided any consent. 

5. Therefore, I request cancelation of XXXX USD overdraw fee and notification of the payment method to settle the outstanding XXXX USD claim. 

XXXX XXXX
I have been communicating with CSC for about four months now. The debt is from the hospital that my XXXX child was born at, it started as a {$5000.00} debt and we paid about {$2300.00} of it before a change of jobs made it hard for us to finish the payments. There was also a {$200.00} debt that I was never notified about going to collections. A few months back we negotiated a payoff amount of {$1900.00} for the XXXX Hospital debt and we submitted a request for negotiation to the other {$200.00} debt. I sent CSC a check for the {$1900.00} and believed I would hear from them within a week or XXXX about the other debt. My check was never deposited and I did n't hear from them for two months. I finally called them and they said they would n't deposit that check because we were waiting to hear from the {$200.00} debt. Another few weeks passed before I heard from them again, I spoke with XXXX on XX/XX/XXXX at XXXX and she stated that my payoff amount for XXXX Hospital was now {$1000.00} and the other amount was {$220.00}. 

At this time I provided a credit card number and authorization for a charge of {$1200.00}, it was processed immediately and taken out of my checking account. XXXX verified two different times on a recorded phone call that our account was now paid in full and our balance was {$0.00}. Later that evening I checked my bank account and found that the {$1000.00} amount of the charge was being put back onto my card and they were only charging the {$220.00} amount. This morning I woke up to find they had deposited that old check for the {$1900.00} amount. I believe they have violated the FDCPA by misrepresenting the amount I owed on the debt and I would like to know what recourse I can take, if any? Thank you.
Because they failed to validate the debt in the timeframe allotted according to the FDCRA and other applicable laws this item was legally deleted from my file. After my wife filed a claim against them with CFPB stating that had failed to validate her debt and therefore should remove it from her credit report, they in turn RE-INSERTED the erroneous information on my credit report on XX/XX/2016. Select Portfolio Servicing has worked overtime to ruin our life with their fraudulent reporting. They have further sought to even comply with the law in reporting to the credit bureaus and have cause me irreversible harm.
I constantly receive recorded phone calls from a company named Municipal Services Bureau, OR GILA GROUP XXXX. 
They will never send me any documentation regarding what ever the issue is. They always try to contact personal info over the phone. 
They call me 10 Times a Day. I am going insane from this process. 
Can you please assist me with this matter or direct me to anyone whom may The phone number to GILA GROUP XXXX Kind Regards XXXX XXXX XXXX, Hi
In XX/XX/2018 attempted to withdraw {$100.00} from a XXXX XXXX XXXX ATM. It did not dispense the money. XXXX XXXX XXXX referred me to MY bank 5th 3rd who put the {$100.00} back in my DDA only to withdraw it a few weeks later because XXXX XXXX XXXX replied to their inquiry by stating the ATM dispensed the money that day. 

That was a lie and XXXX XXXX XXXX apologized to me after they investigated my claim further upon receiving a CEO Line Complaint from me. They have tried twice to deposit the money back in my 5th 3rd DDA and each time myself or my wife has asked about it - 5th 3rd has been rude, dismissive and uncooperative. 

The latest incident of disparate treatment occurred THU XX/XX/2018 when myself and a XXXX XXXX XXXX employee via a 3 way call desperately tried to explain the situation to a 5th 3rd SUPERVISOR who was rude, arrogant, unhelpful, dismissive, condescending, and she accused myself, a 5th 3rd client for many, many years, of lying. UNACCEPTABLE. 

The Supervisor was given the dates of the two attempts where XXXX XXXX XXXX attempted to credit my DDA and she simply stated " I don't see them '' and that was it. no effort on her part to locate the now {$200.00} XXXX XXXX XXXX has spent trying to give me back the {$100.00} I am due. Outrageous. The dates are XX/XX/XXXX and XX/XX/XXXX.
Hello, Please remove the following from my credit report. The address XXXX XXXX XXXX XXXX  XXXX and the cactus address from my credit file, I never lived in XXXX Arizona. Please delete the XXXX XXXX address I never lived in XXXX. 

Thanks
my mortgage i had was 1st with XXXX i had some hard ship and applied for re-mod with then and during this process the loan got bought by XXXX XXXX   XXXX of Texas.they 1st worked with me an told me a payment of {$1600.00} which i have been paying. on XX/XX/XXXX i received a letter informing me that my escrow is going to short {$11000.00} and my payment will there jump up to {$3000.00}. I have phoned them on many to ask how this is so when my taxes pmi and is $ XXXX. then i received my XXXX form it shows that my mpi i have been paying for the last year is {$730.00} over what it should. now if i am correct the PMI is usually 0.4 % -1 % i pay way over that. again i call them to discuss this i told that my loan has been calculated correctly and they will give me yet another new payment which i was supposed to get on the XXXX XX/XX/XXXX sent emails left messages still waiting for answer. i thought once the remod was done i my payment would of been the same. i am super frustrated with this company and dont know weather to hire a lawyer
The last correspondence I sent this company on XX/XX/2016 pertained to a demand for validation. Portfolio responded back by simply stating that the account is valid and failed to provide me any sort of validation for the account and at the same time persevered with reporting the account on my credit report. This is a blatant violation of Fair Debt Collection Practices Act ( FDCPA Sec 809 ).
Hi. You closed out complaint # XXXX because the company said they resolved it with me. 
That is a lie. And your procedure apparently did n't give me a chance to respond. 
Here 's the story- they overcharged me on a safe deposit box. You forwarded my complaint to them. They claim they issued a credit. 
No. They Did Not. 

When the box was up for renewal I opted to not renew because of the overcharge ( they overcharged last year too and it took months of fighting with them to get a refund ). 

I closed the box and filed my complaint. 

Their response was that they waived the fee for the next year. There was no fee for the next year because I closed the box. 

I have contacted them by phone and they said they 'd look into it and get back to me. 
They have not gotten back to me despite my leaving numerous messages. 

They said they gave me over {$200.00} and that is simply not at all true.
I noticed my credit card was not working so i called chase and they said the account has been closed but they could not tell me why. I tried calling a few times but got nowhere. I just received a letter saying they are closing both credit cards with them as well as my checking and savings account
I continue to receive calls from what is listed as XXXX XXXX - Debt Collector at XXXX. These calls have come off and on for over two years. The latest calls came at XXXX and XXXX XXXX on XXXX XXXX, XXXX XXXX on XXXX XXXX, and XXXX XXXX at XXXX XXXX. The caller claims to be looking for an XXXX XXXX. I have informed them on several occasions that I do not know an XXXX XXXX, that this phone is registered on the Do Not Call list, and that I do not desire any more phone calls from them. I further informed them that
I have an ACH debit that automatically hits my Chase account every month for {$730.00}. I did not have sufficient funds in my account on XXXX XXXX, 2017 to pay this item and Chase paid it anyway even though I do not have overdraft protection and charged a {$34.00} fee. The next day there was another transaction for {$42.00} that was charged to my account and because of the prior withdrawal my account was now overdrawn and I was charged a 2nd {$34.00} overdraft fee. If the first item had not been paid there would have been sufficient funds to pay the 2nd item and I would not have been charged for two overdrafts. When I saw that they paid the first item, I attempted to deposit a check into the account to cover the balance so that I would n't be charged the 2nd overdraft fee, but when they overdrew my account they blocked me from making deposits by phone, ensuring that I could n't prevent the 2nd overdraft. I deposited the funds in another account because they usually clear them quickly and allow transfers between accounts, but they did n't clear the deposit until the next day. When I inquired why they paid the {$730.00} when there were insufficient funds, they said it was at their discretion whether to pay it or not. It appears that Chase is using its " discretion '' to attempt to maximize its fee income at the expense of its customers. I asked if there is any way that I can select an option that they not pay overdrafts and they said no. Their practice of making it difficult to make deposits on overdrawn accounts is an unfair business practice designed to collect more fees. I hope that the CFPB will consider adopting a rule to allow customers to decide whether they want their accounts overdrawn by ACH debits, and/or a rule to prevent banks from preventing deposits when accounts are overdrawn.
I have contacted Transunion on several occasions regarding inaccurate information on my credit report and they have failed to properly investigate and validate the information on my consumer report.
I made my regular payment to my XXXX Mortgage Lender Nationstar on XXXX XXXX, XXXX, in the amount of {$690.00} ( Regular monthly due ) + {$9.00} ( Transaction Fee ) + {$100.00} extra towards additional principal. Instead of posting my {$100.00} towards towards Principal, Nationstar posted {$100.00} towards some type of fee. They are stealing my money. They already stole over {$500.00} in the past in the name of interest that was not part of my payment agreement that I made with Nastionstar XX/XX/XXXX. I do n't know where and how to fight back against Nationstar stealing my money and others. Please feel free to contact me any time at XXXX. 
XXXX XXXX XXXX XXXX XXXX
I recieved a letter from XXXX XXXX of bayview loan Service acting as a agent for XXXX XXXX XXXX XXXX dated XX/XX/XXXX.. I responsed by phone and spoke with XXXX who informed me if I make three payment in a row and complete the HARP Loan appication and meet the aproval process any all pass due amount, fees and penities would be paid and I would have a new start. I made the three payment in a row and completed the HARP loan appication and met the aproval process. I received the aproval Loan Modification in in XX/XX/XXXX and sign the loan modification. I received a letter that said that I own three months pass due. How can I be three months pass due if the modification loan was to pay off any all pass due amounts, fees and penities.I have for the pass three years tring to resolve this matter with both Bayview Loan servicing and XXXX XXXX XXXX XXXX to no resolution.I have always believed that mistakes have been made by Bayview and they refuse to admitt these mistake until resently. I recieved a letter dated XX/XX/XXXX stating that I had been over charged XXXX .Which happen to be the amount of three past due month. I responsed by requesting copies of detail records of the account and a detail explanantion of the facts that lead to the credit balance. Also who authorize that that payment be applied to my principal balance. The pass three years have been very fustrating trying to resolve this matter with Bayview Loan servicing and XXXX XXXX XXXX XXXX. I have passed back and forward by both parties with out resolution. I have been trying to improve my credit score over the passed tens and hve been sucessful. The only derogatory item on my current credit report is the XXXX XXXX XXXX XXXX
I purchased an item with my american express card ( with purchase protection ). Item was stolen along with the receipt. American Express 's wholly-owned insurance subsidiary is refusing to pay the claim ( increasing their profits by the amount of the claim ), on the grounds that the receipt is required. My understanding is that insurance companies are intended to use reasonable discretion on this matter -- if a receipt no longer exists, they will work with the customer to find other evidence of the purchase. In fact, a representative did advise me that I could fax in my billing statement as proof, but then they changed their mind. It 's hard to decide whether this is incompetence or outright fraud on behalf of Amex, but I will say the people seem pretty competent ...
CitiBank closed my credit card saying that they have the right to do so without any reason. When they closed my account i have a credit balance with them of {$5300.00}. I have called them on XXXX XXXX, 2015 to direct deposit and have followed up almost everyday. They said it would only take 2 to 3 business days. 
I understand they might have issue of proving if my payment is valid and it might bounce back. I have no other way to get the my money by using my account cause it is closed. All i ask is for them to send me back my money. I am attaching the receipt of payments i did from XXXX using check free pay.
I paid my past due account of XXXX directly to XXXX on XX/XX/2013 and have the bank statement to prove it. Trident stated they purchased the debt XX/XX/2013 from XXXX Although I have proof of the debit from my checking account they refuse to accept the copy of my bank statement. This debt is paid since XX/XX/2013
I use   XXXX   XXXX   to budget and avoid overdrafts and they depend on the bank to send updated balance and transaction information. The bank has been consistently and unacceptably slow at sending this information.
XXXX XXXX is reporting an incorrect balance on an account that they report as : XX/XX/2014 Charged off as bad debt Canceled by credit grantor I believe that this was a XXXX XXXX credit card account. 

The reporting lists an amount past due of {$14000.00} on XX/XX/2014, but lists a balance of {$18000.00}. They report the credit limit as {$17000.00} in the same report. 

I believe that the balance due is incorrect in the subsequent monthly reporting since XX/XX/2014. 

Additionally, in XX/XX/2014 XXXX XXXX was notified by XXXX XXXX XXXX XXXX XXXX that they were representing me. I continue to receive harassing phone calls regarding this account.
I have received XXXX calls at work from this lender after I asked them to stop calling me at work. The person responsible is XXXX XXXX at XXXX extension XXXX
Debt collection agency Told me my name and last XXXX of my social security. I did not have to verify anything I just stated yes it is my social security number. This is a blatent release of my sensitive information and I would like action taken if possible. 

XXXX - Manager XXXX XXXXaddress XXXX XXXX XXXX. 
XXXX, Alabama XXXX
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2016, XXXX 2016, XXXX 2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
I was denied credit due to a collection placed on my report by PRO COLLECT collection agency. I was not notified that they were putting anything on my credit nor was I even aware of the debt. I don't owe any money to XXXX XXXX. It is for XXXX this is an error. 
I sent for proof of this debt to Pro Collect several times and they continue to just ignore me. They won't respond. This is not right and a violation of the law
TDBank who is now the creditor for XXXX XXXX. We purchased furniture Back in XX/XX/XXXX and in XX/XX/XXXX they stated that we purchased more, which we never did. I contacted them to find out why all of us sudden our new monthly payment went up, my wife and i were astonished when they told us that this rat change had been done since XX/XX/XXXX. Keep in mind that we were setup for electronic statements and searching the emails, no statements and been sent to us in any folder in the email account. We spent over 2 hours on the phones with representatives yesterday, including supervisors who could not find anything wrong with their system, but could n't track any outbound email either. I think that it banks should be notifying consumers at any time that their rates change. Whether that is a phone call, paper statement or e-statement. This was not done and i found the " customer service '' to be less than satisfactory. We no have to dispute XXXX more late charges but since no statements have ever been made, why did it take 3 months for this bank to let us know that the late fee 's had accrued.
On XX/XX/XXXX, I responded to an ad on XXXX and paid {$90.00} through XXXX for 2 XXXX concert tickets. I never got the tickets. When I called Ally Bank they said they were FDIC insured and would be able to get my money back. They then sent a letter on the XX/XX/XXXX saying that the transaction was legitimate and they would be unable to get my money back.
I am in bankruptcy chapter XXXX. Third party company continues to call after I have informed them I am in Bankruptcy XXXX. Told me today they were calling XXXX, Police and others to be at my home shortly. I left work to go home. The numbers calling from are:XXXX andXXXX
I requested the investigation and re investigation of mis reporting or any state and federal violations per XXXX compliance on accounts listed on my credit report. The credit bureau responded that they have in fact verified ALL accounts with the creditors and that EVERY account is reporting ACCURATELY. When contacting a few creditors myself, I have learned that they did not furnish any information to the CRA and have not verified any accounts. There are also errors within terms, statuses, etc. It is the responsibility of the CRA to make sure everything they report is accurate, verifiable, and 100 % Valid. They are reporting incomplete information? Is n't this illegal. Why am I asked to provide information if I myself made the request. I have been trying to get this all worked out for a few months now and to no avail. I had no choice but to file this complaint. It is preventing me from moving forward.
Someone had purchased computers from me and sent me {$10000.00} via PayPal on XX/XX/2018 but used an XXXX card as a funding source. On XX/XX/2018, the buyer disputed the transaction claiming " Item Not Delivered ''. The {$10000.00} was removed from my PayPal account on XX/XX/2018. This buyer was an acquaintance thus no receipt was ever generated. He can not prove how many machines he purchased. I have pictures of all the machines he purchased in his basement. I personally delivered them to his house and set them up. I am supposed to be innocent until proven guilty. Instead what happened was I was guilty and because I don't have a bill of sale, the only proof I have of the items being delivered in full is the pictures of the items in his basement. I can describe the inside of his house as well as his basement where I set them up perfectly. I am willing to sign an affidavit to back up my statement that I 100 % delivered each and every machine he paid for. PayPal failed to perform any type of investigation on the matter and instead simply let XXXX pull the funds from my account. I am disputing this charge back on the grounds that I delivered each and every machine he had paid for on XX/XX/2018 when I drove them to his house at XXXX XXXX XXXX XXXX MD XXXX. Case ID : XXXX