WillisBack/dataset-financial-user-claim huggingface dataset:
Myself XXXX XXXX and my wife XXXX XXXX were stationed at XXXX XXXX XXXX with the XXXX XXXX. I am still currently XXXX. We rented a house from XXXX XXXX XXXX located in XXXX XXXX, XXXX on XXXX. The address of the property was XXXX XXXX XXXX XXXX, XXXX XXXX. Upon receiving orders to our current duty station at XXXX XXXX, XXXX I gave XXXX the proper notification and established an appointment for a move out inspection for XX/XX/XXXX. The move out inspection was completed and signed by both parties to include XXXX XXXX XXXX. approximately 35 days on XX/XX/XXXX I received a bill from XXXX   XXXX XXXX for {$1600.00}. The damages from the Move-out inspection agreed to by XXXX XXXX XXXX would entitle me to {$800.00} of my initial deposit. The bill for damages did not arrive until XX/XX/XXXX which exceeds the 30 day limit by XXXX XXXX. Due to XXXX  exceeding the time line of the damages XXXX XXXX  states I am entitled to 11/2 times the deposit in damages by XXXX. The amount billed by XXXX  of {$1600.00} was in addition to XXXX XXXX XXXX withholding my initial security deposit of {$1900.00}. I first contacted their financial department with a letter disputing claims due to the close out inspection which is including in their contract. After they replied with pictures and ignoring the closeout inspection and including damages that were caused due to XXXX  workers that were hired to fix work orders and. I then contacted a JAG Lawyer Captain XXXX XXXX from XXXX XXXX XXXX who decided to provide legal assistance. CPT XXXX also called, emailed, and sent a letter to emerald property to include all evidence that proved XXXX XXXX to be erroneous in their attempt to collect on the debt. XXXX XXXX XXXX then sent the debt to collections without notifying me that they were going to do so or contacting Captain XXXX. I received a letter from Hunter Warfield Debt Collections  on XX/XX/XXXX. Captain XXXX XXXX then had to write a letter to Hunter Warfield stopping the collection under the fair Debt Collections Act. All evidence provided XXXX XXXX XXXX fails to address the correlation between the move-in and move-out inspection which violates their own contract which requires a move-out inspection which requires both parties to agree upon damages.
On XX/XX/2018 my vehicle was repossessed. I was confused as to why it was taken seeing as we had already sent the payment to them to try and stay current with the bill. We called and as it turns out the payment we had sent didn't go through because of a typo on the routing number we never received a call a notification email a letter ... Nothing saying our payment didn't go through. When we told USAA this the person on the phone could clearly care less and told we would have to pay the ban XXXX in order to get back into the vehicle plus the repo and storage fees. After hearing that I agreed we would've been more proactive in making sure the payment have gone through and told her we didn't have the money that instant but would come up with it Ina few days but I'd like to still talk to a supervisor to make sure there's absolutely nothing they can do to help us we were told there was no supervisor there to talk to us and that we would be put on a call back list. I agreed well the second of XX/XX/XXXX rolls around and still no call back. So i call again this morning having got the money together and decided robust make the payment they wanted. Well apparently that's not good enough for them anymore and now they want the loan payed in full. Now they are just playing games had I had the amount a few days ago i would've been back in my vehicle that day how things change so drastically by just a few days it's ridiculos. So again I ask to speak to a supervisor I'm told there's not one available to transfer me to because there's an issue with the phones I ask if I can just stay in hold until they figure it I'm told no because she has other members to help and I need to wait for a call back i ask if he supervisor could just walk over and use her phone again I'm told I need to wait for a call back. So I agree and they hang up. A few hours later I figure what the heck maybe they fixed the issue I'll try again. So I call back again I'm told there's no supervisor available that they've been in a meeting all morning and that's why their not accepting calls ( apparently the whole phones not working story was XXXX ) but at least she was kind of to hear me out and listen to what happend and told me she'd email the supervisor directly and ask him to call me as soon as possible. Well all this waiting would be fine and dandy if I was accruing more and more storage fees the longer my vehicle stays at the lot. And If I wasn't told something different every time I call. They will not give me an extension to their supervisor not any other number to any of the higher level management they reside to give me the contact info to anyone nor do they have it on their website
Requested by certified mail  XXXX  17that  I receive the original promissory notes to validate the debt, and also that communication be done in written format only. I have not received any communication back from them since. They received the certified mail  XXXX / XXXX / 17 . I received a phone call today on  XXXX / XXXX / 17  (  XXXX   XXXX   XXXX  at  XXXX  even after I requested document only communication, harassing me.
This company lie at every turn. 
I took out this loan at the beginning of XXXX. I was told it was every two weeks. On  fridays. The payments were never taken. They would tske " membership fees '' and not the loan fee which makes no sense. 
Ive called on several occasions with no solutions. I was told memeber ship fee was XXXX but they actually take XXXX. Never on time. causing my account to overdraw. I asked them to stop membership fee and just tske loan amount. It was never done, they have compromised my bank account causing it to overdraw several times. My bank is now involved to stop the ach draft. 
I want to pay loan off by mail never any response. Emailed seversl time for correct address so it csn be recieved and i can close my account. 
This company is predatory loans. The amount is like 120 % interest by claimingthese membership fees outrageous. Please investigate them not just my account but the others they have scammed
I filed bankruptcy chapter XXXX in XX/XX/2016 - at the time of filing a tax lien showed up out of no where.. I received no bills or documentation about this debt. i contact the credit reporting agency for info. they referred me to XXXX XXXX XXXX XXXX XXXX in XXXX -stated the phone number to contact the original creditor was XXXX. I requested a dispute .the credit reporting agency Equifax stated the information was verified. i went on to contact the creditor myself, at the number listed on my credit report, talked to multiple people they stated they do n't handle taxes at the number XXXX -and could n't understand how the credit reporting agency was passing out their number for such taxes. according to the FCRP they must provide correct contact information for the creditor which they have not which is a violation. additionally the creditor did n't provide any validation notice ( XXXX dunnying notice ) to all me to validate the debt prior to credit reporting. i have contacted them .but only can talk to collections department which act like pit bulls. Stating I know I owe the money and pay. they are not above the law because they are state agency .they have since added another tax debt mind you I did n't get a notice for this one either. showing recorded XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX in XXXX {$260.00} phone number XXXX .. which they also state tax. they are again reporting incorrect information for the creditor which means there is n't any way to verify the debt w/ the creditor. how is the data finisher verifying these debts if the information listed on my credit reporting is incorrect please verify. i have disputed these items multiple times which have never been verified because the contact information is incorrect.. the credit reporting agency is could n't verify the debt w/ the wrong contact information listed
This is my second complaint against Credit Acceptance Corporation and their continual use of harassing behavior. I am a customer who has never sent a payment 30 days late since I obtained the loan with Credit Acceptance on XX/XX/XXXX. On XX/XX/XXXX, I received a notice from Credit Acceptance detailing their intention to repossess my car. The letter was sent from them on XX/XX/XXXX. Here lies the inconsistency. Credit acceptance sends the letter on XX/XX/XXXX and the coupon book that I have in my possession states that if a payment is received after XX/XX/XXXX that I will be assessed a late fee which implies a grace period. On XX/XX/XXXX, I paid my car note in the amount of {$330.00}. I have advised Credit Acceptance continually of my intent to pay and I have been a loyal paying customer since XX/XX/XXXX. I have requested a copy of my late fees, which I am not in agreement with, from Credit Acceptance which I have never received. I believe Credit Acceptance is harrassing me in retailiation of my first complaint to Consumer Financial Protection Bureau Agency. There is not reason for them to have the intent to repossess my car when my track record shows my history of paying them. The past due amount stated on the notice is {$370.00} which includes my monthly payment of {$330.00} which was paid on XX/XX/XXXX and {$49.00} in late fees which I requested documentation for and never received but paid on XXXX. Please stop the harrassing behavior. Companies do not send letters of intent to repossess a car that payment is not 30 days late unless the intent is to harrass. Since the history of my loan with Credit Acceptance my credit report shows XXXX for no late payments which they indicated so why would they want to repossess my car. CFPB, I need your help to stop this harrassment.
I had XXXX amount of ethereum taken away from my account on XX/XX/2017, The day when XXXX was introduced to coinbase. Initially I thouth it could be bcasue of the Coinbase glitch which they might return once resolved. The transaction list shows its sent to Coinbase. I am not informed the reason and not returning back my currency ( XXXX eth ) with a support ticket open for more than a month now. 


Coinbase Support Ticket /Case number : XXXX Account : XXXX Ph : XXXX XXXX
On or around XX/XX/XXXX I received a call from XXXX at C & M Associates claiming to be trying to collect a debt from a credit card from XXXX. I was threatened with a law suit, liens on my home and bank account. I got angry and he hung up on me. I felt bad so the next day I called this company back and spoke with a gentleman named XXXX XXXX I explained to him that I did not have the money to settle this debt, in the amount of XXXX, so I was offered a settlement amount of XXXX which I thought was something I could do given some time. XXXX asked me if I could pay XXXX and that would lock in the settlement amount, and that I would have until XX/XX/XXXX to pay the remaining balance of XXXX. I reluctantley gave him my checking account information, stating to him that I was not comfortable doing so, he promised me that no other monies would be taken out of my account without my ok. I was told that he would keep in touch to see where I was financially. I spoke with XXXX again on XX/XX/XXXX at which time I was thinking that I would have the money in the bank, but was not 100 % sure ... so he said he would call me the day before it was due, which would've been XX/XX/XXXX. On XX/XX/XXXX XXXX had contacted me, at which time I told him that I did not have the money in my account, he informed that by not settling this case I would be sued, I would have a lien on my home, on my bank account ... and I told him that unfortunately I would have to take that chance I had not realized that they money had already been deducted from my account ... he acted as though he had no idea. On XX/XX/XXXX a deposit had been made into my account, which I was using for my mortgage payment. Low and behold that on XX/XX/XXXX I went to the ATM to make a small withdrawal, it was rejected stating there were insufficient funds, I then looked at my account on my phone and saw that on XX/XX/XXXX a payment of XXXX was withdrawn and sent to C & M Associates. I was livid, this left my account with XXXX in it, which in turn my house payment bounced. I called XXXX at C & M Associates and he told me that is what my agreement was, that I was told that the payment was due on the XXXX, and that I postdated the checking information for that day. I told him that I did no such thing, I told XXXX on the XXXX that I would not have the money for XX/XX/XXXX. Therefore they took the money out of my account without permission, they stole my money ... .I have tried to email them, but it comes back stating access denied ... ..I am at wits end. I have contacted the District Atttorney 's office in XXXX County. I have also filed a complaint with the XXXX ... ..I will pursue charges if forced too.
Southwest Credit ( SWC ) is attempting to collect {$290.00} from me. This amount was referred to them from XXXX XXXX. I requested documentation that would delineate the charges but have not received an adequate response. The SWC credit representative I contacted today could n't explain details of the disputed amount
Citizens Bank is giving me the runaround about paying me my {$200.00} bonus. The requirement for the bonus was to deposit in XXXX transaction {$500.00} by XXXX XXXX, 2015. Which I did. I told the teller I wanted to deposit the {$500.00} check, and then withdraw {$100.00}. I did not state that I want {$100.00} back from the check. The bank is saying that this is my fault for not informing the cashier of the promotion and doing XXXX transcactions. I went in with the intention of making my obligatory {$500.00} deposit with the check. I did not think or even realize that I had to inform the teller how to process the transcations. Nor did the teller inform me that my deposit would be reduced by my withdraw. I have been told that I should have known therefore the requirement has not been met. Citizens Bank is refusing to pay my bonus on a technicality. I am due the {$200.00} bonus. I made the {$500.00} deposit with the full intention for it to be recorded as such. I had monies in the account to cover the {$100.00} withdraw. I believe that this gives them an excuse to not pay my bonus.
I took out {$39000.00} of Perkins Loans in XX/XX/XXXX to XX/XX/XXXX to attend XXXX XXXX XXXX XXXX School to get a XXXX XXXX with a XXXX Certification and a XXXX XXXX XXXX Certification. At no time did my school financial aid office or my lender inform me that I would qualify for the Public Service Loan Forgiveness ( PSLF ) program that went into law in XX/XX/XXXX. I attended XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. During my exit interview with the school 's financial aid department, I was advised to consolidate into Stafford and PLUS loans and defer my loans until I started XXXX in XX/XX/XXXX, but was not advised on the proper type of consolidation that would allow me to benefit from PSLF, even though I was attending a program to prepare me to XXXX in the exact schools the PSFL was designed to serve. My current loans are now near {$70000.00}. My loans were serviced by Granite State/XXXX. At no time during the original consolidation was I informed that I qualified for the PSLF program. Shortly after my first year of XXXX, I had difficulty making my full loan payments. Granite State/XXXX advised that I put my loans into the Income Sensitive Repayment Option in order to make payments that covered accrued interest and no principal. Again, I was not informed that PSLF was an option, even though I had to report my occupation and type of employer for the ISRO. I taught for XX/XX/XXXX full school year, ( making 12 payments that would have qualified for PSLF ) then needed to take a medical leave for XX/XX/XXXX taking a medical deferment for 9 months. I taught the XX/XX/XXXX school year. Again, I was not able to make my full Stafford Loan payments. This time Granite State/ XXXX advised me to put my loans into the Federal Family Education Loan Program ( FFELP ) making 12 payments that should have qualified for PSLF.. Again, I was not advised that I was a candidate for PSLF. I was not able to XXXX for the XX/XX/XXXX school year, but did make FFELP payments to cover interest rather than return to medical deferment. I have now XXXX 5 consecutive years for XXXX XXXX XXXX XXXX in various positions that have all qualified for PSLF. I found out about the Public Service loan Forgiveness program from a coworker ( Who had graduated when I did and had made 7 years of qualifying payments toward the 10 year program ) I attempted to apply for PSLF in XX/XX/XXXX. My application was denied because my loans were not consolidated into the FEDLoans program correctly. My consolidation was not properly recognized until XX/XX/XXXX. Because my school and lender did not inform me of the PSLF and because of the delay in Granite State/XXXX properly consolidating my loans, I currently have 16 qualifying payments out of the 120 qualifying payments needed to complete the PSLF program. Had I been properly advised, I calculate that I could have made 84 qualifying payments by now.
This company Jefferson Capital Systems In Minnesota, has put an item on my credit report. Every time I write them and ask them to send me an original source document meaning a signed contract showing that I am indeed obligated to pay an amount of {$100.00} they fail to respond or they refuse to respond. There is not enough information for me to determine what the debt is or if I owe this debt. They are violating section 609 of the FCRA
we were denied credit because of serious delinquency, and public record or collection filed. We filed chapter XXXX XXXX XXXX and Capital One Bank USA NA was paid in full according to my attorney XXXX, NY XXXX and also XXXX XXXX XXXX were paid. There should be no written off amount or any liens against my property on XXXX, NY XXXX. Please remove this negative information and report this history as a fair and accurate information. I would like XXXX TX XXXX XXXX please correct this information and XXXX XXXX and XXXX XXXX to correct the negative information. Also our XXXX Case Number XXXX is paid our second mortgage loan number XXXX is also paid through bankruptcy chapter XXXX through court system in XXXX, XXXX XXXX XXXX we have a letter saying all of our payments are satisfied. Experian credit needs to correct & XXXX
On XXXX of 2018 My XXXX XXXX was wrecked and totaled. At the time my account had a balance. Prior to my due date my insurance company sent a check of XXXX for payoff of my vehicle. 

There is still a shortage on the account and a gap claim has been filed. I am awaiting for them to send the payment over Per my insurance company it has already been sent. 

However even with the shortage the check of XXXX should have counted towards my payments there is no way Chase should be placing late marks on my credit they just placed one today
Greetings, AMEX Card # XXXX Case # XXXX I am writing to you in behalf of Fraudulent charges made on my Prepaid American Express Card. I have lost over {$4000.00} on this card but only have the proof of {$1800.00} because the account was closed. I have provided this documentation. It was an 'Account to Account ' transaction with apparently Fraudulent names and numbers. On this Day I had a direct deposit hit at midnight for aprox {$1200.00} and also had a deposit the week prior and in the mean time uploaded {$1500.00} plus the other the funds that were in the account. I have Filed a police report ( XXXX XXXX PA Case # XXXX ) and went to my local magistrate to file a civil suit which is on hold. I was advised it would only to be a loss of time and funds without an Attorney and taking it to another level with a high instutution. Half of these transactions took place while on the phone with American Express Serve while they changed my Password and Email multiple times with mo luck of stopping the Fraudulent process. Amex told me the process would be " expedited and would have the funds returned in 3-5 business days '', 10 days being the max ''. I called after4 business days to ask where they were in the process only to find that they were still looking into it. One hour later I received an email stating that my claim was unfounded and they were closing the account. Please see the attached documents. This money was to last me until the next section of the project was to be billed in which I 'm still 6 weeks out, I have children and have bill and will be unable to keep our home if American Express does not take care of this matter immediately. I have attached the initial form to file a Civil suit which has the card/account number and the Police Case number. Obviously this is a very serious matter. I have reached out to the Pennsylvania Dept. of Banking and the F.C.C. and have been directed to you. 
Thank you in advance. If I can be of any help please call me or write me. Sincerely, XXXX XXXX
On a statement, American Express set my Due Date as  XX/XX/XXXX  ( Sunday ), From my bank, I initiated Electronic payment on XX/XX/XXXX  ( Thursday ), My Bank processed Electronic Payment on  XX/XX/XXXX  ( Friday ) Bank confirmed in a statement that Electronic Payment has sent on  XX/XX/XXXX  ( Friday ) American Express is saying they are receiving and processing payment everyday from other financial institutes, but still on my statement, they posted payment on XX/XX/XXXX  Tuesday.
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My Bank is saying they did their job on  XX/XX/XXXX  Electronically, and Amex is saying, they are receiving and processing payment everyday, then why American Express purposely putting Payment due date as  XX/XX/XXXX .
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American Express has charged me {$38.00} Late Fee and {$130.00} Interest, which both they refused to remove.
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Its appears that, with Dodd-Frank regulation, Financial Institutions are committed to avoid Traps, which harms consumers and should be avoiding those traps, to make money.
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While American Express knows that,  XX/XX/XXXX  was Sunday and  XX/XX/XXXX was   XXXX   XXXX   public holiday and most of Financial Institutions in USA do not execute internal transactions on Sunday with each other, American Express is benefiting and making money by setting up this type of traps which negatively impacts consumers. So whomever customer do not raise their voice, would end-up paying Fees and Interest without their wrong doing..
In XX/XX/XXXX, I was approved for a vehicle ( XXXX XXXX XXXX ) at XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, TN XXXX ) through XXXX XXXX. The monthly payment was around {$640.00}. I provided the necessary documentation-2 current pay stubs, proof of residency ( lease and utility bill ), employment history ( 17 as a XXXX ), etc. I was there with my XXXX daughter and of course was complimented many times about her. I was told that my 1st payment would be around XX/XX/XXXX. In XX/XX/XXXX, I received a welcoming call from XXXX, that provided me with information about my upcoming payment. A few minutes after the call ended, XXXX called back to ask me if I was on XXXX leave ( I found this to be very odd that they knew that I had recently XXXX XXXX ). I said " yes '', and then we hung up. I never received the information about how to make a payment. A week later ( now a month of driving the vehicle has passed ) Toyota ( a lady named XXXX ) called to inform me that the loan was denied because I was on XXXX leave-despite the employment history and my current pay stubs. I wanted to know how XXXX knew that I was on leave. She was n't sure, but that I should n't worry and that Toyota would handle it. They " handled '' it by making hard credit inquiries without my permission- XXXX ( twice ), XXXX XXXX, Toyota Financial, and XXXX. In XXX, I sent a certified letter with a signature receipt asking them to remove the unauthorized inquiries within 30 days. Their response was for me to return the vehicle. The signature on the receipt was on XXXX XXXX and the 5 inquiries are still on my credit report, my score has lowered, and I am still without a vehicle. I need your assistance in this mattter.