WillisBack/dataset-financial-user-claim huggingface dataset:
I deposited a cashiers check from an accredited credit union into my checking account at Bank of America on XXXX. A hold was placed on this check, which I believe is in direct violation of regulation cc of the Federal Reserve. The bank stated at the time that the funds would not be made available until XXXX. This is also against regulations that state the funds, if withheld, must be made available to a customer after 7 working days. I have spoken with Bank of America representatives twice, and they remain adamant that the cashier 's check could not be guaranteed any earlier. I believe their internal policy goes directly against the stated policies of bank regulators in the U.S.
XXXX claims to have sold the loan and servicing rights to an outfit called Select Portfolio Servicing, but after calling I have learned that the new lender and servicing company have no record of me or my account. I am convinced that payments sent to the new servicer will not be credited properly. They do not even have a Website.
Reached out to the company seeking a resolution. After my request, client sent documentation claiming that I owe a total of {$1100.00}. The break down sent is clearly a misrepresentation considering my move out date was XX/XX/XXXX and my lease ended XX/XX/XXXX. As you will see that a New security deposit, 1 month rent, prorated base rent, eviction fees late charges and Base rent totaled {$1400.00}. I received a credit of {$300.00} which gives me the new total of {$1100.00}. Company is unable to provide why a new security deposit and charge were calculated. Not to mention the {$450.00} in rent due, including the late charges of {$75.00} and Eviction Fees of {$99.00}. None of these fees should have never been included as I was on a month to month lease and the funds were potentially stolen by an employee that is no longer with the company.
For the second time within 3 months I have received 2 unauthorized credit inquiries for credit cards, which I an unaware of. The most recent being XX/XX/XXXX, XXXX XXXXChase Bank.
Prestige Financial Services has repeatedly contacted me, my family, my coworkers, my past employer regarding a auto loan. 
I surrender the vehicle back in XXXX of XXXX because the car mechanical issues that I could not afford to repair, it was best to surrender the vehicle before it was repossessed. These people have continued to contact my previous employer as well as family members on multiple occasions. They have also continued to report the debt on my credit report inaccurately every month they change the reporting date to the current month as the original reporting date.
We entered in to a mobile home contract with Tammac Holdings in XXXX. Declared bankruptcy XXXX. No payments were made from XXXX forward. Bankrupty case was dismissed in late XXXX. Tammac has re aged the account and continues to report incorrect information including the Date of First Deliquency which allows this negative to remain on our credit reports until XXXX. 
We have disputed as Obsolete with the CRAs and sent proof to all XXXX, XXXX  and XXXX. XXXX deleted this account from its Tradeline, however XXXX and XXXX allowed Tammac to respond with " Verified '' and did n't even consider the proof sent. My wife is currently disputing with XXXX again as Incorrect Information with the exact same information. We have previous credit reports, some dating from XXXX, that show different dates, amounts and statuses.
XXXX billing services has defaulted accounting practiced in the standard norms. I was provided internet XXXX XXXX by XXXX. I was supposed to have two year contract for their business. But I decided to move to a new place where I was n't provided the same quality services but different quality internet which was on repair status for one week. But then billing statement showed so many flaws .I had also reported to annual credit agencies who works harder with businesses to give fabricated credit report. This is to inform you that amount was charged fraudulently without my notice and permission. I will provide all documentation provided It is related to IRS as well as tax filing only after getting your response.
Dear Sir/Madame : I am a victim of the company Encore Capital XXXX XXXX XXXX XXXX and I do not know who I can talk to or what I should do. 
Last month my payroll dept garnish my pay because they had a copy of a court order stating I lost a lawsuit involving XXXX XXXX and this law case against me for over {$12000.00}. The court document had my name but my mother 's address XXXX. This judgement was date in XXXX. I had lived XXXX since XXXX until last year when I came XXXX to care for my terminally ill mother in XXXX. I have now taken a job XXXX but I know nothing about a judgment or that I was being sued in XXXX. I now learned that this judgement has been on my credit report all this time. I talked to XXXX XXXX and they have stopped the garnishment but will not tell me how this all happened or what my rights are. I called the law office XXXXbased Encore Capital Group and they only said that the bill is with XXXX XXXX. I have burial bills and so many other bills to pay off since I quit my job XXXX to come XXXX to help care for my mother! I can not go through being garnished again!!! and I do not even know why I was sued. I have had a XXXX XXXX credit card and money market account with XXXX for over 10 years. If XXXX XXXX wanted to sue me they had my address XXXX! And owing {$12000.00}. The credit limit on my XXXX XXXX credit card is about {$1200.00} not nothing close to {$12000.00}. Please tell me who I can talk to 1 ) TO MAKE SURE I DO NOT GET GARNISHED AGAIN ; 2 ) WHERE THIS JUDGMENT CAME FROM AND HOW TO FIGHT IT ; 3 ) HOW TO GET IT OFF MY CREDIT REPORT ; 4 ) Do I HAVE ANY RIGHTS IN THIS MATTER. Thank you for your time, XXXX XXXX
I am a XXXX  employee affected by XXXX XXXX XXXX. I spoke with the loss mitigation department and was granted an extension to XX/XX/2019 to make my loan payment. I had money to pay my credit card and line of credit which is the issue I made a XXXX payment XX/XX/2019 and was reported as late and delinquent to the creditors bureau in spite of them knowing I a XXXX  employee that was documented in the system. I have spoken to the bank and they said they would dispute it and correct this it has been 30 days and it still reflects delinquent on my credit file. This is a travesty that I have 4 accounts with this bank and they extended the loan but I told them I will pay the line if credit of XXXX dollars and they report me 30 60 90 days late when that is not accurate. I want the delinquent remark removed.
I open a student checking account for my son XXXX XXXX at a TD Bank in XXXX, XXXX XXXX so he could have money for a vacation he was taking XX/XX/XXXX to XXXX. When my son went to use the debit card, he had no money on the card. XXXX days later someone cashed a check in XXXX on XXXX at a TD bank for {$600.00} with the same last name ; but the check bounced so they took the money from my son 's account. I have been trying for the last 3 weeks to get his money refunded back to him and every time I go the XXXX Branch or call the XXXX number they keep giving my son and I the run around. This is clearly a mistake that they made, but they keep saying they are still investigating. My son is only XXXX years of age so there would be no reason why he would be in XXXX and even so he was in XXXX at the time the check was cashed. My son had to end his vacation early because he had no money to spend. I worked for the police department in XXXX so I filed a fraud complaint with the police department and a policeman went to the XXXX Branch to find out why they had n't refunded the money while they was doing the investigation and they said they were still investigating. He told the bank that did n't make sense because it clearly shows that the my son was using his debit account in XXXX when the {$600.00} transaction when through. The policeman told me that the reason why they are having a hard time finding a person on the cameras is because the check was probably cashed from someone inside the bank.
Starts with our XXXX wedding anniversary dinner XXXX for {$280.00} for dinner for 4 people. To my surprise, my credit card ( " cc '' ) bill showed two lines for {$280.00} each, so total of {$560.00}. I called my cc company, XXXX XXXX, and they kindly reversed the duplicate, but XXXX disputed, so XXXX then later re-charged my card. XXXX insists they charged me once. XXXX XXXX said they ca n't do anything now because I passed the 60 day dispute reporting deadline to report an issue, however, the duplicate charge was on XX/XX/XXXX, and I reported it on XX/XX/XXXX, which is less then 60 days. 

Background support : XXXX insists they correctly charged me for only one ( email trail with XXXX customer support ), and my XXXX account online shows I purchased one, and XXXX sent me a confirming email for just the one. So, why did they dispute it? They could n't explain it. XXXX told me to talk to my cc - that my cc company is at fault. But, my cc bill clearly was charged twice. The CC said, XXXX disputed the initial reversal, so XXXX must resolve. After several go-arounds and getting nowhere, a different cc agent told me to send all support, including a copy of the email trail, and copy of my XXXX account showing XXXX customer service agreed, that I only bought one, and that I should have only been charged once - he said it 's an iron-clad case, the cc company will return the {$280.00}. So, I prepared all the copies, wrote a letter explaining the situation, then the original CC agent, XXXX, sent me a letter and said some kind of deadline had passed, so he 's closed the case. I am about to pull my hair out. I called the cc agent twice, and asked him to call me, to discuss, and cc agent will not call me back. I have now engaged with XXXX XXXX group that is helping me to resolve the issue. 

Timeline Summary : 1 ) XX/XX/XXXX Ordered XXXX {$280.00} dinner for 4 people. 

2 ) XX/XX/XXXX CC Statement shows two lines for $ XXXX/each ( total {$560.00} ) 3 ) XX/XX/XXXX XXXX called CC company they said they would reverse the duplicate charge {$280.00} 4 ) XX/XX/XXXX CC letter, dated XX/XX/XXXX from XXXX, XXXX XXXX XXXX Rep, states XXXX disputed and provided two orders one at XXXX and 2nd order at XXXX PST, so they will charge my card again for the {$280.00} duplicate. 

5 ) XX/XX/XXXX calls and email trail with XXXX to resolve the issue, XXXX customer service, XXXX XXXX, insists I was charged once, and that it is a bank issue. 

6 ) XX/XX/XXXX I try to call XXXX, and I leave a message. 

7 ) XX/XX/XXXX I try to call XXXX again, and I talk to another rep, and he said this is a no-brainer, just provide copies of all the support and send it all in with a cover letter to XXXX. 

8 ) XX/XX/XXXX I send a letter to XXXX at the CC company with copies of everything. 

9 ) XX/XX/XXXX Letter dated XX/XX/XXXX from XXXX, XXXX XX/XX/XXXX rep, that states, the information you are now supplying is beyond the timeframe to assist you, and they will re-charge my card. 

10 ) XX/XX/XXXX Call to cc company, XXXX, and leave another message. 

11 ) XX/XX/XXXX Call to XXXX and leave another message 12 ) XX/XX/XXXX Write letter to XXXX XXXX
I closed an account with XXXX XXXX of Ohio on XXXX XXXX XXXX, when I sold a house. I disputed the final gas bill and on XXXX XXXX XXXX received a final bill for {$39.00} which I paid on XXXX XXXX XXXX. On XXXX XXXX XXXX I received a notice from XXXX Special Accounts Department ( XXXX ) notifying me that the previously disputed {$26.00} was owed. I contacted that office and informed them that I had received and paid a final bill totaling {$39.00} and after speaking with a supervisor XXXX agreed the notice was in error. Today XXXX XXXX XXXX I received via XXXX mail, a notice from Affiliated Credit Services stating my previous account with XXXX XXXX was in collections and that I owed {$26.00} on the account. The notice stated I was to contact XXXX XXXX at XXXX to arrange payment. I called XXXX Special Accounts Department immediately to find out why this had happened. This department claimed they had no record of any contact with me prior to today. I 'm unsure if the notice from Affiliated Credit Service is legit or not. If it is legit then it seems apparent to me that XXXX left hand does not know what it 's right hand is doing. I have had no luck in dealing with XXXX XXXX even after paying their final bill in full. Perhaps you folks can get to the bottom of this. I can only imagine what this must be like for some elderly person to go through all this harassment.
I applied for a Chase Slate Balance Transfer Card in perhaps XXXX XXXX XXXX. I have had a Chase British Airways Visa, at this same address, for  thereabouts decade now. I regularly received pre-approved promotions for Chase Slate balance transfer card. <P/>I chose to apply for this card. I received a letter from Chase stating my application was on hold, they asking me to provide proof of my address. <P/>I sent them a letter via Certified mail including copies of my professional ( XXXX ) license, as well as a copy of my XXXX XXXX XXXX phone bill. I mailed this to Chase at the address I was directed to return it to on XX/XX/XXXX of this year. I have still not heard an answer from Chase. <P/>I have 'A '' credit. Again Chase regularly mails me pre-approved applications for this card. While there are many such 'no interest balance transfer ' devices, I chose Chase because I already have had an account with Chase , st this same address, for many years. <P/>At this point, I have 'a ' incurred additional interest expenses I should not have occurred. 'B ' As Chase has done a hard query on my credit my FICO score went down XXXX points so any other such device I apply for, I may not get as high an approved balance transfer as I had applied for with Chase. <P/>I have photocopies copies of ll correspondence, documents and certified mail receipts to prove every word above. I have been unable to get a response from Chase. I have incurred several hundred dollars in unnecessary interest charges due to this intransigence on their part.
I have disputed that there was no late payment in XX/XX/2018. The mortgage company made a mistake when entering my payment information. I have had several conversations with the mortgage company and they said they would modify to either show no activity or not late yet it remains on my file. This needs to be modified and corrected.
My mortgage company has been paying the premium on my homeowners insurance per the initial terms of the mortgage. I have been receiving communications since XXXX of XXXX that there was a lapse in homeowners insurance coverage from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX and I am being asked to pay the mortgage company over {$4500.00} to obtain coverage for the same period. I have tried to resolve this with the mortgage company through written ( email ) and phone communications yet I have not been offered a proper resolution to the issue. I do n't understand being charged an excess of {$4500.00} to cover homeowners insurance for a less than XXXX months period of time. I have tried to obtain coverage for the period in question on my own, but I am unable to get an insurance company to write a policy for a period in the past.
Navient is attempting to charge monthly payments on my account even though I am enrolled in school full time. The company claims I have not been verified by my school or the NSLDS. I have checked both sites and I have been given proof of enrollment by them as provided below.
USED XXXX ON MY CHASE ACCT TO SEND MONEY TO MAKE A PURCHASE TO ANOTHER XXXX USER AND DID NOT RECIEVE THE GOODS. CHASE NOR XXXX WILL DO ANYTHING TO HELP GET MY MONEY BACK FOR GOODS NOT RECEIVED.
XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX + {$950.00} Closed XXXX/XXXX Closed : XX/XX/XXXX + {$0.00} Closed STUDENT LOANS XXXX XXXXNeeds Attention Last reported : XX/XX/XXXX + {$1800.00} 120-149 Days Late XXXX XXXXNeeds Attention Last reported : XX/XX/XXXX + {$1800.00} 120-149 Days Late XXXX XXXXNeeds Attention Last reported : XX/XX/XXXX + {$1800.00} 120-149 Days Late Show closed ( 4 ) OTHER LOANS XXXX/XXXX Closed : XX/XX/XXXX + {$0.00} Closed XXXX/XXXX Closed : XX/XX/XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$1500.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$1000.00} Needs Attention XXXX XXXX Last reported : XX/XX/XXXX + {$860.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$860.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$730.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$440.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$190.00} Needs Attention XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$100.00} Needs Attention
Was a XXXX wireless customer for 10 plus years and worked for a company that received a discount. XXXX renewed my contract with the purchase of XXXX smart phones of which one was returned. I retired from the company a few months later to which XXXX took away the discount. I told them that they voided my contract so I was under no obligation to fulfill theirs. I paid them the amount I owed them for there service but refused to pay for a early disconnect fee. XXXX has sold my account to CBE which is now calling me on my home phone XXXX a day and is now calling me on my cell phone.
Chase Cardmember Services for Visa credit card failed to handle fraud charges in reasonable time frame. Received a notice today. This fraud alert was send to me in XX/XX/XXXX and it is now XX/XX/XXXX. I emailed them on regular basis to send me infor. 
They need to refund me fees and penalties and correct the card payments. The credit card is current. I have been working with Executive Corporate office.
I applied for a modification, my mortgage balance was aroun d 130K at the  time, by the time the mortgage was approved, the arreerages were around another  20K,  I did the 3 trial payments which were around 100 dollars more than the payment of my house before the modification. They denied it after the third payment because they said I had put my daughter on the title and I did that to had that house in her name when I died, and they said that she had a lien on her house at a different address and that because she had a lien on a different address for  XXXX  dollars that they can not approve the modification on my house and that they are proceeding to foreclosure when I called them today, they never sent me a letter or nothing since the month of  XXXX .
I called today and they faxed me something. Iam attaching it. I asked them to give me time to pay this and to modify my house and they told me that no they are proceding to foreclosure, how can that be????? They need to give me time to pay the debt of my daughter who is NOT no longer on title on my house, she was in 2016 and at the request of carrington, I took her off my house title she owns her own house in another place and the lien she owes to the department of workforce solutions is for unemployment pay back which is also a mistake she has to clear out as she does not owe that. she is working on clearing this out. The company should send me a modification package tome right away to honor my request for modification since they are waiting to   XX/XX/XXXX   so that they do not have to modify us according to thehope or harp or whatever the situation is for the tarp funds the banks received and force me out of the house I worked for. I am a   XXXX   year old  XXXX , and I worked for my house and I bought it for a lot more than it is worth and paid a lot of years for it. I also bought a substandard house built with bad materials and I paid thousands of dollars to make it livable.
On XXXX XXXX I was unable to access the funds on my credit card issued by This was n't the first time this has happened to me. 

Several times I attempted to gain some assistance from the credit card company issuing me the card. On every attempt either the website was not available, or the phone. The phone number listed for Customer Services is a recording and never answered by a human. If it is n't busy the recording invited me to call back later. 

I was advised by the FDIC to call the bank, Comerica. I did and I spoke with a man who told me that the banks participation is only because the bank provided the plastic for the card even though the bank is listed prominently on the face of the card. The funds, I was told, are not insured. 

I immediately requested to speak with a supervisor who gave me the number for corporate affairs who she said handled such questions. The question I had was : is the bank affiliated financially with Direct Express. 

My complaint is my money safe, why ca n't I speak about my concerns, and is there a financial relationship between the card company and the bank? 

Thanks XXXX XXXX XXXX
I received a letter from State Collection Service informing me they are handling the collection of a debt. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between State Collection Service and me which make them entitled to enforce a commercial claim against me. They have not provided any proof of contract to substantiate their claim. Such as providing me with a certified copy of an original contract with my signature, specifically naming State Collection Service as a company entitled to enforce a commercial claim against me.
Company continues to negatively I pact credit and violate both FDRA law and FCRA law while refusing to remove debt having XXXX to do with me or agree to validate supposed debt
The companies below ran my credit score without my permission and I want the problem to be fixed and the inquires to be taken off of my credit report ASAP. 

- XXXX XXXX on XX/XX/XXXX for auto finance - XXXX XXXX on XX/XX/XXXX for auto finance - XXXX XXXX on XX/XX/XXXX for finance - XXXX XXXX XXXX in XX/XX/XXXX for XXXX XXXX XXXX XXXX on XX/XX/XXXX for finance - XXXX XXXX on XX/XX/XXXX for auto finance - XXXX XXXX XX/XX/XXXX for auto finance - XXXX XXXX XX/XX/XXXX for auto finance - XXXX XXXX XX/XX/XXXX for auto finance - XXXX XXXX XX/XX/XXXX for auto finance
This collection was removed from my report almost a year ago. And it has been reinserted without proper notification. I would like this deleted from my report. The date is wrong and it is not my debt owed. It was reinserted on my credit report please remove this from all credit bureaus.
My wife and I purchased IRA 's at City National Bank in XXXX XXXX ( actually it was the XXXX XXXX, CA branch ). The IRA Certificate Numbers XXXX and XXXX XXXX. I moved from the XXXX XXXX address in XX/XX/XXXX and gave the address change to the bank. Bank statement received showed that address. The IRA 's were automatic roll overs, so without regard to out further contributions, they should still be there generating money. I wrote to City National ( via fax ) on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with all our info attached. I was promise they would get back. I talked with a XXXX XXXX. They indicated the funds escheated to the State of California. The State of California 's XXXX 's office has no such records as of XX/XX/XXXX under my social security number. My wife ( XXXX XXXX XXXX ) do not recall cashing either out, changing the directives or getting any notices. I will scan and send all my information for your review ( as I previously did City National Bank ). We lost our money. We want it back with the compounded accumulated interest from roll overs and published rates. I understand I will need to submit a separate request for my spouse.