WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX On XX/XX/XXXX I placed an Internet order for XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I then placed an order for XXXX XXXX  lenses prescribed by my eye doctor at XXXX XXXX. My eye doctors clinic did not have the frames I liked so I placed my order with XXXX XXXX   XXXX  online. I sent a copy of my prescription as requested by XXXXXXXX XXXX XXXX and they processed my order. 

The frames were charged on my card for {$100.00} separately on XX/XX/XXXX. I was then charged 2 split charges for the lenses On XX/XX/XXXX {$94.00} and on XX/XX/XXXX {$94.00}. The glasses were shipped XX/XX/XXXX and received on XX/XX/XXXX. When I unpackaged the glasses and put them on they were blurry when I looked in the distance but the reading part was ok. When I dipped my head down I could see in the distance. I contacted XXXX XXXX XXXX and spoke to XXXX and he instructed me to wear the glasses for 1-2 weeks to get used to the prescription. My eye Doctor gave me the same instructions. After 1 weeks I could not handle the dizziness or headaches. I was in my local XXXX on XX/XX/XXXX and they were kind enough to place the glasses in their machine which measures the progression of the lenses. The technician stated these were the worst lenses they had ever seen. XXXX and I at XXXX called XXXX XXXX XXXX and spoke with XXXX explaining the situation. He stated return the glasses unworn for a full inspection and they would issue a refund. XXXX and I both stated that is impossible the glasses have been worn since XXXX directed me to wear them for 1-2 weeks in order to get used to the progressive prescription. I then had XXXX make me a new set of lenses since we realized they were not going to help me so I was charged {$180.00} at XXXX to order new lenses. 

I then went round and round on the phone and many emails on XX/XX/XXXX & XXXX, XXXX which I have attached all receipts, delivery confirmation, prescription, and the new receipt from XXXX with pictures of how bad the lenses were. XXXX XXXX XXXX never went over a return policy with me and it was apparent they would take them back but then I would no longer have my frames and lenses and have been charged {$290.00}. They had already screwed up the lenses so bad I was not willing to lose my money and glasses to these crooks. I told them I would send the lenses back so they could inspect them and they said no so I contacted Bank of America for assistance.
XXXX XXXX SOLD MY DEBT TO XXXX XXXX XXXX, TO WHOM SOLD TO XXXX AND FINALLY MIDWEST RECOVERY SYSTEMS, TO WHOM SETTLE FOR . AND THEY KEEPING CALLINGS AND SHOW UP ON XXXX AGAIN. STOP CALLING MY MOTHER XXXX XXXX XXXX AT CELL.THEY KEEP VIOLATING " THE DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT ''.
I made a phone call to Citibank XXXX XXXX, XXXX to close my account and pay off the entire balance. They confirmed on XXXX XXXX, XXXX that in order to close the account that day I needed to pay XXXX $ I payed that exact amount that day and they told me that my account would be closed. 2 months later on XXXX XXXX, XXXX I received a recorded phone call from Citibank saying that i was 2 months late on an interest charge they applied to my account the same night I closed the account XXXX XXXX, XXXX. I called them back to see what the issue was being that I had closed the account 2 months before. The first person i reached from Citibank said she had no record of me closing the account XXXX XXXX, XXXX and that it had remained open. I then asked to be transferred to a supervisor as i knew this was incorrect. After being transferred to the supervisor, they said they had found the notes on my account being closed but it was charged an interest fee that came the night of XXXX XXXX. They said i needed to get a subpoena to get the original call when I closed the account, that confirmed them saying they would close it if I paid the balance of XXXX XXXX which I did.
On XXXX XXXX I submitted an application for a mortgage with Bank of America. Their loan officer, XXXX XXXX XXXX XXXX, collected an application fee from me ( among other fees ) and assured me we could close in " 30 to 45 days ''. It has since been 95 days and BofA has still not come to a credit decision. XXXX XXXX has made assurances to me on countless occasions that a final credit decision is eminent, but each time the bank fails to follow through. He has stated repeatedly that the underwriter is " ready to give final approval '' and that my file " meets the guidelines '' for this loan product. 

Requests for paperwork have been few and far between, but in each case, I have responded in less than 24 hours. BofA simply refuses to come to a credit decision or provide any reasonable explanation for why they refuse to do so. Complaints to managers within XXXX 's office have simply yielded more false promises, " This week, '' " Next week. '' " By XXXX today, '' " By XXXX tomorrow ''. Each time, the new deadline comes and goes without any explanation. Now 95 days into this process, I have a growing concern that BofA simply does not with to honor the rate lock they offered me at the beginning of this process, which is now substantially under market. 

Thank you for any assistance you can provide on this issue.
I gave 30 day notice to move out of an apartment in XXXX XXXX. The month to month rate was {$740.00} for the month of XXXX I gave them the difference of my rent minus security deposit of {$390.00}. On or around XXXX XXXX received letter that partial payments were not accepted and the security deposit could not be used toward last month 's rent. On or around XXXX XXXX received a letter stating that I needed to pay my rent including late fees and attorney fees in 7 days or vacant the property. I moved out on the XXXX day and stop payment on the check for the partial payment. My security deposit covered the rent for the 15 days I was there. Months later in XXXX I received a debt collection for the amount of the partial payment, stop payment fee, and late fee and attorney fee totaling {$570.00}. I told the debt collector that I would pay the {$340.00} that would cover the full months ' rent ; however that offer was declined.
I never received right to dispute or demand letter. i found out i had this debt from my credit report, I sent a letter to them demanding verification to no result.
I work late alot of the time and couldnt make the bank, SECU, in time. So I deposited my payroll check in one of their atm's.Friends had told me that their banks deposit allowed them to make an up to XXXX dollar withdraw after transaction. I was wrong in thinking same. But i wrote to the bank, for my balance immediately showed my paycheck there. and asked when my money would be available. They wrote back informing me that it would be the very next business day, no later than XXXX. I had deposited on the XXXX of XXXX XXXX. Friday was a holiday so noone was going to see it then. Closed XXXX, so not then either. Monday was the next business day. I still have no access to my money. My phone was cut off this morning, my kids are hungry, and one is sick, to which i cant go buy medecine. When i called to see what the problem was, I was informed that today wasnt the next business day because of the deposit time. Really? 4 days later and no one dealt with deposits all day? I 'm almost furious about this. Bills still unpaid and sat home all weekend due to money being withheld. So you can imagine my surprise when I tried to withdraw money around XXXX today. and that 's after my card was declined at lunch. I figured its not XXXX yet. I feel that someone is doing this on purpose because i suggested they might want to have someone work weekends and holidays to handle deposits since they have 24 hour customer service. Very Disgruntled, XXXX
No written notice. No communication. Did not receive notice of right to disputed. Sent info to my credit report. Not enough correct info to verify debt or amount. After I filed a complaint to XXXX I recieved an email.
What happened? 

I bought a car on XXXX XXXX and gave permission for XXXX finance to pull my credit. Not only did XXXX credit pull my score, but XXXX other companies pulled my credit for hard inquiries without my permission. I have worked hard to bring up my credit and this is bringing my score down significantly. I did get the loan with XXXX XXXX, but I did not authorize these other pulls. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX I contacted XXXX twice to see why this happened and was never given an answer and could not get any information. I am very upset about this. I monitor my credit daily. Please help me to fix this problem. XXXX XXXX
15 USC 1681s ( a ) ( 1 ) authorize the Federal Trade Commission to enforce compliance with the requirements imposed by this subchapter under the Federal Trade Commission Act ( 15 U.S.C. 41 et seq. ), with respect to consumer reporting agencies and all other persons subject thereto. Experian is not in compliance with 15 USC 1681i ( 5 ) for the treatment of inaccurate information for XXXX XXXX and XXXX XXXX XXXX. They have have denied reinvestigation of dispute of report number XXXX on XXXX/XXXX/2015.
On XX/XX/XXXX I received {$100.00} into my PayPal account from a 3rd Party and per the application was told I could make a cash withdrawal through XXXX. I went through the requested steps which gave me 1 hr to withdraw with a code on the app. That expired as I entered the store so I got in line and then received another code. I went through the steps with the cashier but my {$48.00} withdrawal request was rejected three times even while on the phone for 30 minutes with customer service and then a specialist who suggested they were have Ng issues with withdrawal at XXXX I just do a transfer to my bank account. I told her the issue was timing and that I needed the funds that evening. The PayPal rep then assured me it would post within the half hour and that she would expedite it to make sure. I did as requested and received a message from the system that my withdrawal would be held for 24 hours due to suspicious activity. I immediately called back and was basically told by a different customer service rep and specialist too bad, nothing we can do, and she  shouldnt have told you that. In addition to the frustration of following the instructions to no avail, I dont appreciate people holding my funds and lying to me
I purchased a car in XX/XX/XXXX And I got turned down from Ally bank. They said my XXXX credit score was a XXXX. But they listed a company I have never heard off called XXXX XXXX. They are stating my credit score is a XXXX. My question is who is this company I have never heard of them and why would my score be 141 points lower with them than the big 3 banks use. This credit company maybe me get turned down for a loan that I should have easily been approved for.
We ( my son & I - as co-signer ) have XXXX loans w/ Sallie Mae XXXX 
Last month - they took the XXXX payments sent ( XXXX check for each loan ) and applied them both to the same loan. In their system - this triggered a 'Late Payment ' on the XXXX loan that received 'no payment ' and started an incessant series of phone calls to both my son & I. 

Their error was pointed out to them within a week and - despite the promise of the error being corrected on their end.. the phone calls kept coming ( XXXX - XXXX calls per day.. to both of us! ) Two weeks later.. we were still getting the calls and the payment error ( that THEY made ) had still not been corrected. 

I call again ( I 've now been on the phone with these people for over an hour ) and I finally get an assurance that the error will be will fixed within 24 hours ~and~ that the calls will stop. 
The error is fixed ( although it takes 3 days to do so ) - but the calls continue until their system shows the payment corrected. 

Now - just a week after THAT issue is cleared - I just found out that they did the same thing to the most recent payment ( s ) ~and~ I was charged a 'late fee ' on the account that THEY screwed up last month! 

I am now faced with, yet another, unending series of calls and - as I told them during the last phone call.. I consider these calls to be Harassment! 
Aside from filing a complaint with ConsumerFinance.gov - do I have any legal recourse against them?
Unfortunately, I could not choose multiple answers. Therefore, these are the problems listed below for the 1. XXXX increased my student loan payments from {$60000.00} to XXXX XXXX  with an initial repayment plan of {$200.00} a month but changed it to {$890.00} prior to the end of a forbearance which was not affordable, contained incorrect owed amount or feasible for a non-working individual that was directed into forbearance 2. Percentage rates quadrupled during the forbearance 3. There is no indication of the origination of the student loans.

4. The amount owed is extremely higher than it should be 5. There are charges for XXXX  College that should have been removed due to the school closing prior to earning a degree.

6. Multiple loans reports on the credit report that are not accurate 7. Their credit reporting practices have caused my credit score to plummet 100 points causing undue hardship to me and my family.

8. I am a XXXX veteran that is requesting full forgiveness or discharge of all of the reported student debt.
I submitted a request regarding specific over-payment instructions to FedLoan Servicing ( myfedloan ) and received a generic email response back. Not only did they not acknowledge my request, but they did provide additional information on how to service it. I followed the advice seen here ( XXXX ) in regards to providing specific over-payment instructions.
My account balance with  XXXX    XXXX   was  discharged in a Chapter   XXXX   Case  #  XXXX  filed   XX/XX/XXXX  a nd converted to a Chapter  XXXX   XXXX  file d  XX/XX/XXXX . T o date Chex Systems has continued to report my account negative. I was granted relief from this debt and I want the account removed from Chex Systems immediately.
They are reporting this debt to the credit bureaus, yet the paperwork they provided ( attached ) clearly shows this is over 7 years old. This is a false representation to the credit bureaus. The statute of limitations has expired. It can not be legally reported to the credit bureaus.
I've sent several dispute letters to the credit reporting agencies and continue to get an " automated '' reply in which they do not contact and verify with creditors listed on my report. Some information on my credit report is not mine and they refuse to remove it. In addition 2 of the 3 credit bureaus have stopped replying to my request for dispute which is against the law.
On XX/XX/2018 my GAP insurance overpaid my loan with TD Auto Finance ( US ). My GAP insurance sent an amount of {$2700.00} to pay off a balance of {$1300.00} leaving an overage of {$1400.00} in which has never been sent to me almost 90 DAYS LATER. 

My avenues of communication with TD have failed at every turn. I have spoken with representatives numerous times on both the phone and on their secure message center. If you are willing to wait upwards of 2 hours on hold in order to speak with a real human being, you will be told the check will be in the mailbox in 2-3 business days, however, weeks later its still not here. 

On TD`s message center online, I have been told the issue was sent to their credit resolutions department, but that was months ago. Since then I have only received a copied and pasted message to tell me to call the customer service department. As stated above I am placed on hold for hours to be falsely told the check will be sent.
the Kohn Law Firm at XXXX WI XXXX, has many attorneys, I sent a written cease of communication notice, because I do not deal with 3rd party collection agencies. the 1st atty sent me a fake summons to a real court, I found out it was fake when I contacted the court they did not know anything about it. Then the next atty ( I assume XXXX all I have is the name XXXX on my answering machine ; that calls me once a day for the last few days. I sent each attorney written cease of communication notice. I guess they r pretending that they did not receive them because I did not send them certified mail.
ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section.
I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner.
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness.
To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue.
It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a time-frame for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney Generals   office. The items that appear on my credit report as :  1. AC COUNT NAME :   XXXX   XXXX   XXXX   #  XXXX  ACC BAL : {$100.00} This account has never produced a Proof of Claim nor has it responded in the 30 days since notification, error please delete.    2. A CCOUNT NAME :   XXXX   XXXX   XXXX   #   XXXX  ,  XXXX ,  ACC BAL   XXXX , {$28.00} This account is a duplicate never showed proof of claim error please delete.    3.  ACCOUNT NAME :   XXXX   #  XXXX   ACC BAL  {$100.00} This account was  Discharged in b ankruptcy was never updated properly error please delete.
I graduated from college in  XXXX  with a starting balance of $  XXXX  -it is n ow  XXXX  and the current balance is   XXXX    XXXX . I have requested the original information on this loan and was not provided with that or payments since  XXXX . I was sent information from  XXXX  on. This information was sent from  XXXX -which is a nightmare to deal with. They tried telling me I needed a reason for asking for the payment information and then sent me someone else 's loan information! From what I can tell with the information I have received the interest rate ranges from 5 %  -5.3  %? I know there was a time I did not pay and was in deferment, but I am guessing no longer than maybe 6 months? I have paid on average {$190.00} a month ( I think even more when I first began payments on the loan ) so according to the figures I receive I will have paid almost double of what the original balance was!   I sent in application for  Public Loan Forgiveness s o now my loans are through myfedloan servicing. According to them I do not qualify for the forgiveness and I have sent them an email asking for some explanation on these numbers and I have not received any response. I would like some help/questions answered as to how this is fair and possible that this loan will not be paid off until  XXXX . It is really mind blowing if this is correct and how student loans are done.
My homeowner 's insurance premium is included with my monthly mortgage payment. The servicer has not paid the annual premium for the last 2 years. XXXX XXXX has records that the annual premium notice was sent 30 days prior to the renewal due date. The servicer lets the insurance cancel then the servicer adds force-placed insurance and makes me pay the premium. In the meantime I spend hours on the phone trying to get this straight. The money to pay the premium is in escrow. My premium is {$710.00} a year. The force placed insurance is {$80.00} a month and once the XXXX XXXX premium is paid there is no refund for the force placed insurance. 
Alabama Housing Finance Authorities DBA as XXXX. Address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Alabama XXXX Phone XXXX
Missing funds from Jpmc workers having closed an account without fully returning my funds. There is still money missing. Branch worker XXXX XXXX refused to answer questions that were asked which I requested to be mailed to me. Another branch Worker XXXX XXXX   was handling the missing funds then, irresponsibly just ignored the emails, causing unnecessary deposit fees when I questioned XXXX   whether my {$370.00} could be deposited or? I went to her coworker XXXX, so, I let XXXX off to not need to respond anymore, but I can not keep allowing all these such workers at XXXX XXXX XXXX   branch replacing another worker then, when the concerns get too inconvenient or complex, these workers abandon its duties to their employer 's clients, leaving the concerns unresolved to completion. These workers are not doing their job. They are being irresponsible by either pushing it to other coworkers or ignoring handling it to completion. The concerns are left in the middle of being handled, begun, never finished. So, Jpmc just allows its workers to leave stuff not completed by ignoring to service whatever its job it is supposed to do? I still need Jpmc to take care of the 2 concerns, one with my missing funds and the other that XXXX XXXX made the mistakes with the Retirement Services concerning an IRA distribution since 2017, over 1 year ago already!

Retirement services Worker XXXX XXXX  told me the distribution requests could not be processed with me having instructed him to handle it as the original instructions, he told me it could not be handled, which was being handled by XXXX XXXX, why all these differing explanations? Jpmc RS XXXX XXXX  arranged for whatever RS specialist to contact me at an arranged time, which they did not keep her promise to me that whatever RS worker would call after all the time arranging. Jpmc asked how satisfied I am? Who would be satisfied with such Chase workers ' lousy mistakes with no services that get mostly nothing done right? Kindly what to do resolve these messes done by Jpmc workers? Jpmc needs to have the concerns handled immediately as the Ira funds must be corrected prior to XX/XX/XXXX, it has taken Jpmc workers too long, these workers delayed it unnecessarily, never doing their jobs in any timely manners. It needs over a year to process 1 simple request?
i have been trying to understand the {$70.00} withdrawals and the {$10.00} service charges posted on my statement period XX/XX/XXXX - XX/XX/XXXX i talked to XXXX in their XXXX maine office ( she so nasty ) she told me to go to the bank branch. 
i talked to XXXX at XXXX XXXX cor XXXX XXXX branch ( XXXX ) she can not help me understand the issue. i requested XXXX to send me a letter explaining the issue but she refused to send me a letter. 
Please help me get TD BANK to explain the issue.
National Credit Systems, amount of {$7100.00}. 

I have sent National Credit Systems several debt validation letter requesting that they answer my validation letter as the collection is not mine and a fraud. And National Credit Systems has not responded. 

National Credit Systems then reported this collection to my XXXX credit reporting agency, I have provided National Credit Systems and XXXX  copy of my Police Report.
Received a collection agency notice to collect a toll I do not owe. If I had owed it, I would have receive a notice from the State of Florida.