WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018, I authorized a XXXX deposit payment to XXXX XXXX  and Title ( XXXX XXXX ) through CITIBANK Credit card. However, no discussion was bought up about the deposit policy or refund/return policy. I did not read or sign on the Sales Order where in the left corner with small notes saying that " Deposit is Non refundable and will be service charge if the customer cancel the order. '' On XX/XX/2018, I visited the store and told them that i would like to cancel the original ordered items but would like to purchase other items in their store and apply the XXXX deposit toward the new purchase. They refused. I did not take any goods or service from this store what soever. BTW, none of my original ordered items are customized order like cabinet. They are general wood floor and tiles which can be resale to any customers and therefor should be returnable.

On XX/XX/XXXX, after not reaching any agreement with the merchant, i called CITIBANK and filed a dispute. CITIBANK credited XXXX  back to my account.

On XX/XX/XXXX, CITIBANK recharged me XXXX  because the merchant responded by providing sales order with my signature, which later on i emailed to prove the signature is forged.

On XX/XX/XXXX, CITIBANK informed me via e communication email informing me that they will close the investigation based on the proof the merchant provide.

On XX/XX/XXXX, I responded back to CITIBANK via email stating that i disagree with the decision to close the investigation. I provided 2 attachment. 1 ) My copy of the Sales Order shows no sign of my signature. 2 ) I provided a payment history record between me and my contractor from XX/XX/XXXX-XX/XX/XXXX with 7 signature of mine. This proves that they forged my signature in the Sales order that they provide.I did NOT give consent that the deposit is NON Refundable under any circumstances. I did not even touch any of their goods or service, therefore i deserve to get the majority if not all of my XXXX deposit back.

On XX/XX/XXXX, CITIBANK issued a dispute letter informing me that because the merchant did not issue a Credit Receipt to CITIBANK, therefore CITIBANK can not further dispute this issue in my favor. Of course the merchant don't want to return my deposit, that is why i reply on CITIBANK to fight at my side.

on XX/XX/XXXX, i called CITIBANK dispute center. The representative told me that this investigation is closed. I will not get even 1  cent of the XXXX   deposit i was charged even though i have not take ANYTHING from the merchant. This is horrible customer service and is the total opposite of what they advised - " CITI is at your side with every transaction ''.

I am contacting CFPB to urge CITIBANK to reopen this investigation and act with fairness towards its ' own customer.
Without any notice, debt collector XXXX XXXX XXXX placed a collection on my personal credit report even though the age of the debt was very old. They didn't allow me at least 30 days to dispute the debt as it doesn't belong to me, but to XXXX XXXX XXXX. Bank statements from the original creditor doesn't even have my name anywhere on it. I feel they deceptively did this to pressure me into paying for something that I am not responsible for. I don't even know where they came up with the amount they say I owe. 

On XX/XX/2018 I have sent them a certified letter stating that the debt is not mine and requested documentation to showed that I personally agreed to be responsible for the credit card, but they never responded to me. 

There actions have caused me financially as I am unable to get decent credit for myself and my business.
I have a Wells Fargo " Home Project '' account. I have made regular, on time payments for over 5 years. Paying the first charge early. And with a new purchase paying on time every month since XX/XX/XXXX. 

On XX/XX/XXXX, I went online to make a normal monthly payment. Due on XX/XX/XXXX. I selected the incorrect amount, apparently selecting a button that said pay the full amount. 

On XX/XX/XXXX I noted that my checking account was debited for a " NSF Fee ''. 

I called Wells Fargo immediately - and was informed that the payment would pass through the bank up to 4 times. I asked if there was a way to stop it, explaining I made an error. They said only after it attempted 4 times, and returned 4 times would that be possible. As once it is " in the system '' there is no way to turn it off. 

So, I called my bank and arranged for a personal line of credit, sufficient to pay the XXXX. 

I was charged XXXX by Wells Fargo for an NSF Fee. I promptly paid this on XX/XX/XXXX. 

That payment was extracted the NSF on XX/XX/XXXX. 

I called Wells Fargo and asked them to please reprocess the payment for the full amount. I informed them I had taken a personal loan and would like them to extract the full amount ( XXXX ). They informed me that they were not able to accomplish - except sometime in the " next 15 days ''. 

Would you not know, 16 days from when they made this claim ( XX/XX/XXXX ) is when the account was due for its normal payment. And that it could then be reported as delinquent. 

I have never missed a payment with this bank. My mortgage is with this bank and I have had the home projects. I made an error that should not even be able to be made with no checks and balances system. And to be certain, a phone call should have been able to be made and have the situation rectified right then.
Dear Consumer Financial Protection Bureau, Your initial questions on the questionnaire, doesn't apply in my case. Let me start by saying that my case was in XXXX, XXXX XXXX, New York court system. I was served a judgment against my part-time job from - XXXX XXXX XXXX, DBA in New York for the balance of {$8200.00} plus interest and I am XXXX years old. The marshal in this case is XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX Badge No. XXXX. 

My story started with " Beneficial ' company in XX/XX/XXXX - I took out a small loan and paid them back immediately, then took out another loan, paid monies on that loan and then I lost my job, moved out of XXXX XXXX, XXXX XXXX where I took out the loans - moved to my daughter 's home in XXXX, XXXX XXXX and forward a change of addresses to everyone at the time. Since that period of time, XXXX closed their doors for business and apparently transfer their loans/debts over to 1 or  maybe most broker houses ( not sure ). 

Years after this - a company started calling me - saying, that I owed them money - which I didn't know at the time that they were debt brokers and was calling about an old debt from XXXX - they were given me a new company/ name information that I did not know, I thought that they were a fake company of some kind ) and harassed me by phone at home and my on job - at that time I was working for XXXX XXXX XXXX XXXX as a XXXX in a classroom - they were harassing so badly. After that they started sending " what look like fake court papers '' no signatures here and there, it just look like another form of harassment. So I annoyed these letters and then they contacted my land lady at the time and told her the story - this was in XX/XX/XXXX I believe. 

I would love to send all of the court information that I have about this case, to see if you can help me with the judgment still against my part-time paycheck.. Can you help me. 

Sincerely, XXXX XXXX XXXX XXXX XXXX I work for XXXX XXXX XXXX XXXX, my position - XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Thanks so much XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX The Complaint department Federal Reserve Bank and Mortgage fraud Complaint Dear Sir/Madam COMPLAINT AGAINST WELLS FARGO BANK WRONGFULL FORECLOSURE ON MY PROPERTY MORTGAGE ACCOUNT NUMBERS, XXXX and XXXX. 
I have intentionally refuse to back off from XXXX Criminal intended employees of Wells Fargo Bank, XXXX XXXX an executive resolution specialist and XXXX XXXX assigned to my loan modification, I will continue to stay in my house until the government steps in to investigate these wrongful act committed by Wells Fargo bank XXXX XXXX XXXX and XXXX XXXX. 
XXXX XXXX with held my documents and released false information to the modification team, intentional to delay the modification of my property loan while XXXX XXXX block my account lied to me for a run around for many months with intent to lue me into foreclosure, she constantly lied to the police and use the police to harass me frequently in my house. She then blocked my access into making payment into my mortgage account and foreclosure my property. When the information was given to me by the Re-entry team of Wells fargo bank, I confront XXXX XXXX which got her angry and she instructed for a foreclosure on my property but lied to me that the modification was successfully and XXXX XXXX has my approved documents, I called XXXX XXXX only to realize that XXXX XXXX has caged me into run around to induce foreclosure on my property, XXXX got angry when confronted with the truth. 
I have written to Wells Fargo Bank and noting has been done but harassment letters of foreclosure and date XXXX/XXXX/2016 to sale my property. I just filled a law suit against Wells Fargo Bank, to stop the sale and claimed damages with Superior court in XXXX XXXX. 
XXXX XXXX has shamelessly refuse to correct her wrongful act and Wells Fargo Bank is doing noting about it. 
Her trick in blocking my account made it difficult for the re entry team to modify my loan, XXXX and XXXX in the re entry team confirmed. 
I have been harassed, insulted, humiliated and XXXX after 14 yrs of relationship with wells Fargo bank. 
I need government intervention to stop this from escalating further, I have refused to allow this criminal behavior of XXXX XXXX and XXXX XXXX to affect my life and my XXXX children. 
A sale date of XXXX/XXXX/2016 has been mailed to me for my property but I will drop my last blood to bring wells Fargo bank, XXXX XXXX and XXXX XXXX to justice, I can be reached at XXXX XXXX XXXX. 
Please SAVE MY SOUL Thanks XXXX XXXX
I am a victim of identity theft. Several years ago someone broke into my office and stole several ID documents, including my social security card, driver 's license and passport. I filed a police report with the XXXX Police Department. The XXXX   approved my report and gave me the official report number # REPORT NUMBER : XXXX I have attached a copy of the report to this complaint. 

Upon checking my credit I found an item from " XXXX XXXX '' for an auto loan. Upon doing some digging I found that this loan was obtained online through the company " XXXX ''. 

I have never done business with either XXXX XXXX or XXXX. 

Several bank accounts were opened in my name and used to pay for several fraudulent loans also taken out in my name. This loan was not authorized or used by me. I received no personal gain from this loan nor did I ever purchase a car from XXXX.
Branch Bank and Trust is reporting 11 late  payments fr om  XXXX -  XXXX   ... We  were in the process of a loan modification and it is now complete. THe loan was modified under the HAMP program through the government which ALL late payments affiliated with the loan mod are to be deleted. They have yet to delete them and they need to remove them.
Dear Miss or Sir, I had an account with Bank of America for almost 7-8 years on the year of XX/XX/XXXX-XX/XX/XXXX i filed 2 complaint against the bank for deducting overdrafts fees by mistake from my account and XXXX helped me to get my account refunded with these wrong fees. I received bitter phone calls from responsibile people at the bank at this time to inform me that I will be refunded but always the person from the bank were speaking angrily because I dared to complain On XXXX XXXX and after all these years I deposited a check from a person who had not enough funds so the check was returned back to me and never been cleared this is first time I have a bounced check and its normal it happenes to almost everyone But the bank took the chance and as a form of revenge of my previous complaint on XX/XX/XXXX-XX/XX/XXXX the closed my account while I was outside the USA though i called them before I travel to be able to use my card abroad so they knew I'm traveling with the card I was stranded this was the only card I travelled with when I got back I found out that they went way too far they reported my name to a third party agency called XXXX XXXX so they contact all the other financial institutions I have cards from all my other bank accounts were closed Until today I can't open a bank account at XXXX or XXXX because I always get the response that Bank of America putmy name on a fraud alert with this XXXX  XXXX   agency I don't know why a bank would reveal a client information to a third party I did know about or sign for them to have my information and I don't know why a bank go this far to retaliate against a client because this client previously complained from the bank Thank you very much XXXX XXXX XXXX
I recently had a closed account with XXXX XXXX  XXXX XXXX reopened XXXX and then a derrogatory remark and a missed payment was placed on my report. I sent proof that the account was closed to transunion. I spoke with their attorney whom collects payments for the closed account after a judgement was recieved. 

the account has been closed for 2 years or better and it wasnt reopened by me nor by the creditor? Yet they reported this inaccurately and damaged my credit again. They also listed the account as a charge off and attempted to place it into collections? They are violating this law with my account ( XXXX XXXX  XXXX XXXX ) Section ( 609 ) of the Fair Credit Reporting Act is a Consumers Disclosure sectionwhich is to provide for the protection of consumers against false and erroneousreporting. ... The FCRA was enacted by Congress to protect consumers from unverifiable accounts and information from being reported on your credit report.

A 609 letter is a letter used to dispute errors or other inaccuracies off your credit report after the Debt Validation letter process has been followed XXXXXXXX XXXX XXXX. It can be used to remove collections, public records such as bankruptcies/tax liens/repos/evictions, derogatory accounts, Closed accounts, Charged Off Accounts, hard inquiries, and late payments. Removing these negative items will help to raise your credit score. 

Section ( 609 ) of the Fair Credit Reporting Act is a Consumers Disclosure section which is to provide for the protection of consumers against false and erroneous reporting. This section of the FCRA places the burden upon the Credit Bureaus and the Creditor to prove an account is yours. To positively prove an account is yours, the creditor must provide the Credit Bureau a copy of the original creditors documentation ( whatever you filled out and signed upon opening the account with the reporting creditor ). 

The FCRA was enacted by Congress to protect consumers from unverifiable accounts and information from being reported on your credit report. Example : If you filed a suit against someone and you showed up in court with no proof against that person, what would the judge do throw the case out of court! Without documentation, the Credit Bureaus have NO right to list your personal financial information on your credit report. They are required by law to verify and validate every single account on your report.
I'am filing a complaint because of what I feel is predatory and misleading fees charged to my small business account with BB & T . A little more than 1 year ago, my local bank Susquehanna located NJ was taken over by BB & T. Since then I have been getting attacked with fees and charges on my account which Susquehanna never charged. I recently closed my account due to a XXXX charge which turned into {$66.00} in just one week. 

Here is what they do and how it works. BB & T charges your account {$2.00} if you do not take your money out of a BB & T account. In some cases this may exceed a 50 % charge to get {$10.00}. ( XXXX from the ATM machine and XXXX from BB & T ) There are some machines which charge XXXX to take your own money out like the local XXXX store using XXXX. So here is the latest which happened last week. I took a remaining {$40.00} out from my account leaving a balance of XXXX cents in my account. The next day i was charged {$2.00} and an additional XXXX for an overdraft fee. They then charged me approximately XXXX dollars per day for each day the account remained negative. 

I 'm not perfect and I have paid overdraft fees with this bank before, but to allow me to take money for which the very next day they will be charging me an overdraft fee is beyond dishonest. If they need the XXXX, then my available balance should be reduced in order to cover their fee. But by doing this they have become the most dishonest bank in New Jersey. It is my belief they are aware of this dishonest practice but like most large conglomerates the fines will be worth the income to their bank. Please investigate this and let me know if there is a class action lawsuit filed as I would like to get my money back. This is not the first time they did this and I had to learn the hard way how cynical they have become with this practice. 

Thank you in advance XXXX
EXCESSIVE and ABUSIVE FEES : We are customers of Bank of America and made a XXXX purchase yesterday at XXXX. We did n't have much of a balance in the account in the first place as it 's not our primary checking account. That said, we forgot to enter the transaction in our register last night, which caused our account to go into the negative XXXX. We would have gladly taken care of the issue this morning after checking our online accounts and when we did, realized that Bank of America charged us a {$35.00} NSF for a XXXX negative. I called and they refused to reverse the fee. Once I advised that I would be filing this complaint, I was escalated to a supervisor. I waiting an additional 20 minutes on-hold and was finally told they would not reverse the fee. I should also point out that Bank of America has excessive hold times when calling in, as they have failed to hire sufficient staff, to serve it 's customers.
Hello, On XX/XX/XXXX, my home owners insurance was not renewed. I did not carry insurance until XX/XX/XXXX. My mortgage lender is charging me force placed insurance for the 2 months there was no homeowners insurance. I believe they are complying with the law as far as giving me notice about this. I failed to open my mail to see the nature of the penalties.

This complaint is about egregious insurance rates that I am being charged. My current homeowner 's insurance is $ XXXX/year ( $ XXXX/month ). Planet Home is charging me {$4700.00} for 2 months. I have read that this type of insurance can be 2-10 times more than insurance that I would by myself. This is 65 times more! I am willing to pay a fine for failing to understand that I was required to have insurance. As of this date, Planet Home is taking advantage of the law that has no restriction on what a forced lending rate should be.
I, XXXX XXXX, finance a XXXX XXXX XXXX on XX/XX/XXXX for XXXX through XXXX XXXX XXXX. The interest rates the company was charging is 25.00 % added onto my loan. When my loan ends my total price of the vehicle will be XXXX. For the state of Indiana the legal rate is 21.00 % and 25.00 % is over way the limit. This limit qualifies as a usury. Since XX/XX/XXXX I have been trying to trade in my car because my family has expended and I can not due to the outstanding balance still on my loan. In the process of doing so, a dealership manager made aware that the loan institution has rates the interest rate even more on loan 00.39 % more which makes the interest rates at 25.39 % now. I have reached out to XXXX XXXX XXXX, they have did nothing to fix this situation. I have reached out to lawyers and they all stated this is against the law. All I want the XXXX XXXX XXXX to do is lower my rates or let me out my car loan so I can get into a vehicle that is affordable and efficient for my family size now. As of XX/XX/XXXX, I still owe over {$14000.00} dollars.
Due to a serious health issue i asked to leave before my lease was up and was told i would still be charged. I had 3 months before mt lease was up.
On XXXX XXXX, 2015, the account ( XXXX ) on eBay purchased my iPad mini 3 XXXX Wi-Fi, for the amount of {$450.00}. The account owner, named XXXX XXXX XXXX, requested an invoice for the transaction, which I provided immediately. Then I received automatically generated emails from ( what I believed were ) PayPal, notifying me of the transaction complete, and from eBay, congratulating me on selling my item. Since, I believed that I had received the payment from the buyer, I shipped it to the buyer with overnight priority ( which I charged to the buyer as an additional {$86.00} ), as we had agreed upon. Unfortunately on XXXX XXXX, 2015, I received an automated email from eBay stating " We had to cancel bids and purchases on the following item ( s ) for the buyer, because they were made without the account owner 's permission ''. Upon further review of the communications that I had received from " PayPal '' ( email address : XXXXXXXXXXXX ) and " eBay '' ( XXXXXXXXXXXX ) in regards to this transaction, I realized that although the emails appeared to be very authentic, they were in fact fraudulent and malicious. The email correspondence that the buyer provided was XXXXXXXXXXXX ( which belongs to XXXX! XXXX XXXX. XXXX according to PayPal ), The XXXX tracking number that I provided to the buyer after shipping the iPad to her, was : XXXX And the address that she requested it be shipped to was : XXXX XXXX XXXX XXXX XXXX, Illinois XXXX This address was different than her address that was provided on eBay. 

I immediately contacted PayPal, eBay, XXXX, and XXXX, to see how the situation could be remedied. I also went to the local police station to file a police report, and filed a claim on cfpb as well as XXXX. eBay provides " Buyer Protection '' to their consumers, but there is no " Seller Protection '' that protects sellers from unfortunate circumstances where users have maliciously stolen items from sellers via eBay 's platform.
After sending certified, return receipt letters to XXXX  on XX/XX/18, which they received on XX/XX/18, reporting that there were inaccuracies on my credit report in the form of {$5100.00} from CHASE, and I would like some type of verification bearing my signature, I never received any type of verification of any kind. 

All that was sent to me was a letter saying that the supposed debt had been verified. Waiting over 30 days ( which is how long XXXX is allowed to verify any disputes legally ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that they had still not verified any debt bearing my signature as requested. Upon checking my credit report, the non-verified debt is still there, causing a negative effect on my credit score, as well as public humiliation throughout my local community. 

Since no verification of any kind has ever been sent to me or provided by XXXX, I am seeking that this particular inaccurate assumption is removed immediately.
I received a payoff balance from the store directly. I then proceeded to pay it off using the online service. With o communication from them after the fact I have noticed that there is still a balance reporting to my credit report and they now call me asking for money on an account I paid off and say the balance they told me was not correct and it's different if paid on line and they don't know why it's not showing paid off and the last specialist I spoke to seemed confused about what was even showing on my account.