WillisBack/dataset-financial-user-claim huggingface dataset:
I opened a business account over a year ago and later realized the account was not the type I needed for my business, so I withdrew the funds and transferred them to another bank. I have not used the account since that time and assumed there would be no further issues related to it. In the past few weeks I 've been receiving emails telling me the account is overdrawn. Here 's an example " We 're writing to let you know that there are insufficient funds to complete recent activity for your deposit account ending in XXXX. '' I see no reason for this kind of thing and stopped at the branch yesterday where a drive-up window agent told me someone would call me this morning to discuss the matter. It never happened. More of the same nonsense!
I made a purchase on my Chase credit card that was flagged for fraud.
I received an email from Chase that asked if I recognized the charge with the following language under the yes section : Do you recognize this charge?
Yes - Your card remains active.
- If a purchase was declined, you will not be charged unless you try again.
The charge was for a different amount than the merchant bill and as soon as I saw the fraud flag I believed the merchant was not legitimate but I clicked yes as I did recognize the charge and still had the card in my possession relying on the following language " If a purchase was declined, you will not be charged unless you try again. ".
Later that night this merchant put through a charge for a different amount with no additional action on my part and Chase allowed the purchase to proceed.
Credit card balance was paid in full on XX/XX/2017 in amount of {$57000.00}. Company name was XXXX XXXX XXXX XXXX, which is shown on my credit reports. The company name now is D & A Services. I have contacted them to remove negative information but could not.
The collection debt was covered by XXXX, i reach out to the company yo have them to validate the debt and they told me they would not and that i owed it. I explained when i called them that I had medical coverage at the time and that i shouldnt have to pay that debt, they were rude and refused.
An eviction record has been placed on my report.   I was not evicted and the lease was terminated through a bankruptcy proceeding.   Bankruptcy case #  XXXX .   Bankruptcy case was officially discharged.   Local eviction case was dismissed in local court but the record is still showing on my report.   Apartment community  XXXX   XXXX    XXXX    XXXX   XXXX   XXXX ,  XXXX , GA  XXXX
In XX/XX/2018 an account was created with a clothing company, XXXX. This was a charge account through XXXX XXXX. A balance of over {$300.00} was incurred. We have been called at home 3-4 times a day for about a month from XXXX. They appear to be trying to collect the alleged debt. The account was not opened by me or anyone in the household. The account listed an address in a city we have not lived in for over 6 years. XXXX refuses to supply information that would assist us in determining who opened this account, including account number and copies of the application for the account. 

We have never received any bills or written communication from XXXX that would have alerted us to this account. They refuse to discuss this situation, claiming privacy issues. They won't tell us if this was an internet purchase or from a brick and mortar store. 

XXXX refuses to assist in resolving this fraudulant activity.
I have had XXXX service for the last XXXX years. I had an account at a previous address that was current and active, and I transferred my service to a different address when we moved. I was then told I had a previous balance from a different address of {$66.00}. You are unable to get any service at a new address with a previous balance, which means there should have been no balance as I already had an account. I never received notification of any debt or my right to dispute the debt although they had my current address. I am disputing I owe anything to XXXX, as I still have their service currently.
I received a letter from XXXX XXXX XXXX XXXX XXXX, XXXX. dated XXXX XXXX, XXXX in my personal mailbox on the evening of XXXX XXXX, XXXX. The letter stated that they are a debt collector and are trying to collect a debt from me. I immediately called the business the next day, XXXX XXXX, XXXX, while I was at work and asked what the debt was about and how they came up with the amount owed. To my knowledge, the debt they are attempting to collect on was charged off from the original creditor and sold to another company, not XXXX XXXX XXXX and XXXX, XXXX. I spoke to a customer service representative who identified herself as XXXX on the phone and told her I was willing to work out a payment plan to pay off the debt if was truly verified as mine. I explained that I only have XXXX income and could not afford more than {$20.00} per month as a payment, which is a major reason this debt was originally charged off and sent to collections. XXXX said that XXXX XXXX XXXX XXXX XXXX, XXXX. would not accept less than a payment of {$91.00} per month, to which I replied that this amount was not feasible on my income. I asked what would happen to me if I only made small payments and not the {$91.00} payment that I had no way of making and XXXX told me that her company could sue me and garnish my wages. I reported XXXX XXXX XXXX XXXX XXXX, XXXX. to the XXXX XXXX XXXX and Michigan Attorney General 's office in an attempt to protect myself from have legal action pursued against me as I am genuinely attempting to work with this business and pay this debt. I feel that XXXX XXXX XXXX XXXX XXXX, XXXX. does not care that I am willing to make payment arrangements with them, that I have XXXX income and I 'm living in poverty or that I am making an honest effort to repay my debt. They have poor business practices and to threaten legal action right away is very threatening and unacceptable.
The company charges a {$39.00} late fee. My monthly payment before the late fee is {$170.00}. When they add the late fee, on their website my account shows a minimum payment due of {$210.00}. I was late making my XX/XX/XXXX payment. I made a payment of {$210.00} on XXXX XXXX, 2017. I was late making my XX/XX/XXXX payment. I made a payment of {$210.00} on XXXX XXXX, 2017. My account now shows a balance due of {$78.00} for XX/XX/XXXX. I called the company today XX/XX/XXXX and was told that they do n't apply my payment to the late fee until after my next payment is made. Well that is not acceptable and apparently not true. If that were the case, they would have applied my {$39.00} payment for the late fee charged in XX/XX/XXXX when they posted my payment for XX/XX/XXXX. This is not the first time I 've had billing issues with this company and I 'm sick of it. If I make my payments per my loan agreement and pay my late charges, my account should be brought current.
This second complaint is a response to the first complaint I filed against Navient. 
The CFPB was quick to close this case without getting a full disclosure from both parties. 
I demand from them on the full securitization process/inquiry current update of the XXXX. 
XXXX XXXX XXXX are Trustee on this account based on the forensic audit report done. 
That why I requested documents regarding this account ( s ) as outline in my first complaint, but Navient never response to my request. No request as proof to CFPB, the credit bureaus nor me the consumer. 
If XXXX XXXX XXXX showed up on a audit report, would it be to that person interest to find out why, how and provide documentations of their claim. 
Navient failed to provide any SEC reports, XXXX # and filings regarding this account as requested. 
Failed to validate debt, disclosure of securitization process of the MPN/PN etc ... to the consumer. 
Those acts construe violation of XXXX. I demand a reinvestigation.
This is my third complaint and everytime I get a pasted response along with new information. The new information is I opted out of debt card protection but " I '' did not opt out for ACH debt protection. That is dishonest business practice if I ever. They keep trying to sell me things I do not want. The person on the phone did not offer to give me {$19.00} of my own money back, I had to basically tell her I was going to walk away from doing business with BBVA Compass to get her to over turn the fees. again check each statement they basically telling my story for me and XXXX, XXXX. But adding they are not going to give me my money back. So I need to know who I need to get with to get my money back and help other people at this den of thieves.
Equifax removed XXXX accounts off my credit report. All accounts were not old and this has effected my credit score. I have attached the credit report with all XXXX accounts. 

XXXX XXXX XXXX account XXXX XXXX XXXX
I am filing a complaint with you because the XXXX Police Dept. advised me to do so. I received a letter from West Asset management today XXXX/XXXX/15 about a XXXX debt I am suppose to owe University XXXX Acct # XXXX. I have no knowledge of this debt. I contacted them by phone today and requested documentation proving I owe the debt and that I would happily pay once proof was received. All I got was that I owed money and that they were going to put in some sort of dispute status. I had been contacted a few months prior to this by this company and had the same conversation, show me some proof that I owe this debt and I will pay. I never heard back again until now. The fact that they seem unwilling to give some sort of proof that I owe this debt sounds real suspicious to me and prompted me to call the XXXX Police. They referred me to you. I have a letter from them here and would like to fax a copy to you, just do n't know where. You can contact me at XXXXXXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX, or text/call XXXX ( leave a message, I work night shift I will get back to you ). Please look into this for me and let me know how I can be of assistance in helping resolve this issue. Like I said before, If I owe this debt then no problem paying it, I just need more than an anonymous phone call, official looking letter head, and a menacing tone of voice to prove that I owe. I am just afraid this might be another scam to pressure me into paying debts I do n't owe. Thank you very much.
Portfolio Recovery Associates is a debt buyer/collection agency. They have listed themselves as a debt buyer on all XXXX of my credit reports but under the status section they state that this collection account is past due as of XXXX 2015. They appear to have provided incorrect information in an effort to " park '' themselves on my credit reports. I do not have any accounts with these people. It appears they may have taken information from an original creditor and attempted to make it their information. This is deceptive reporting practices and they have no right to claim that I owe them when I have no contract at all with these people.
On XXXX XXXX, 2015. I received a call from XXXX XXXX of Lendmark Financial regarding a personal loan debt. XXXX calls my cell phone at least 3 times a day, sometimes back to back. On today when he called me at work, I immediately told him to call me on my cell and when he did he immediately started using an offensive tone and was very rude. He was yelling very loudly. Unfortunately we had a very inappropriate call. He was unprofessional, nasty and very rude and condescending. I have never been harassed like this before in my life.
XXXX XXXX of Michael Haynes & Assocites XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX / XXXX from either phone number listed here has been calling my business and harassing for some time, but he now is calling my mother in law who is XXXX and harassing her to get in touch with me ( not sure how he got her number ) talking nasty and very unprofessional. This debt he is talking about with XXXX was discharged in XXXX 2005 when a company I owned went under also causing me to file bancruptcy personaly I tried to explain this and it turned into an arguement. With him yelling that I was going to pay this XXXX debt no matter what. I have filed compliants with the XXXX attorney general as well as XXXX attorney general. Does n't seem to be getting anywhere.
Outline of Occurrences : On XXXX/XXXX/2016, I reached out to Cash Factory USA and advised that due to the holiday my funds would not be available on XXXX/XXXX/2016. I advised that I would need the funds owed to transact on XXXX/XXXX/2016 opposed to XXXX/XXXX/2016. After, speaking with numerous agents and managers this variance was approved. On XXXX/XXXX/2016, I received a notification from my Bank advising that said company recovered a lesser fee. I received a " Docu-sign '' email later on XXXX/XXXX/2016 in regards to refinancing of my account that had to be electronically signed and delivered by law. I never spoke with anyone in regards to refinancing this account ; just to have the transaction withdrawn on a later date of XXXX/XXXX/2016 for the full payment. The refinance documents advise of the Credit Access Business Agreement ( CAB ) fee that is indicative of refinancing. A refinance can only be administered upon completion of information and documentations required by the lender to refinance a loan. This documentation was never completed, due to never being discussed. However, a refinance of the account was completed without legal documentation required by the said company governing body ( Texas office of the consumer credit commissioner under chapter 393 ) or the Texas Finance Code in connection with my state of residence ( TX ). On XXXX/XXXX/2016 the said company reentered my account and retracted a larger amount that they were not authorized, too. 
Emails from the said company managers to substantiate and emails that were sent after the refinance fee was retracted advising had n't been signed/ completed and needed my signature. 

Offenses indicated below : 1. ( CAB ) Refinance fee deducted from my personal account 2. Disclosure date for Refinance agreement sent on XXXX/XXXX/2016 3. No signed agreement obtained from said customer to refinance account 4. Attempted to collect wrong amount
XXXX XXXX XXXX XXXX XXXX XXXXThis place stated that I owe {$1500.00} for braces that were not supposed to be placed in my mouth. If anything I should have sued them for XXXX. This dental company quickly threw some XXXX to get a cut of my XXXX benefits, knowing that my XXXX strongly advise me to wait until I got all my XXXX taken out. When I went for my monthly visit I was refused dental treatment due to non-payment. I left the office upset and rejected. I had to walk around for months with XXXX that became painful and disfigured my mouth. Months later I get a bill for {$1500.00} stating I needed to pay in full. I actually tried to work out a deal and even thought of giving them another chance to redeem themselves, but instead they said they would have to charge me the full amount for XXXX, which was close to {$4000.00} after I paid the {$1500.00} that I supposedly owed. They even wanted to charge me for taking the XXXX off, due to their wrong doing. After hearing this I knew this was not the place for me, nor did I trust the practice. A year later I went to a different XXXX office and they helped fix my teeth. We started over and took the XXXX that were put on my teeth by XXXX XXXX. I have talked to other consumers and they agreed that XXXX XXXX is running a very bad business. I did n't report this sooner due to not wanting additional stress. I want people to hear this story, because I am sure I am not the only XXXX that has experienced such poor treatment through this facility. A few years later I check my credit report and not only did they sell my account to a collection company, but they changed the date of service, so the bill would look recent. I am shocked and appalled by this entire thing. Not sure what to do or who I should contact. This has ruined my credit and affected me physically and emotionally.
Balance of insurance money to finish up the house ... received letters from Chase ( 2 attached, dated XX/XX/XXXX & XX/XX/XXXX ) that if the inspection report came back at least 90 % they would release the balance of the insurance claim money. 

Inspection was done on XX/XX/XXXX and report states that we are at 90 %. This report was sent to Chase. Chase sent it back to the inspector state8ing that the homeowner canceled the inspection ( which was not true ). Inspector was at the property inspected the property and had the contractor sign the report, also showing that they were on the property and had completed the inspection. The inspector sent the report back to Chase stating that the homeowner did not cancel the inspection and that the inspection was complete and the inspection report was complete and sent the report back to Chase. Chase has had the report for 2 days. I called Chase yesterday and the Chase representative stated that they were still waiting on the report ( when in fact they had received the report 2 days prior ). Just yesterday my contractor received 3 or 4 calls from other inspection companies hired by Chase to come and do an inspection for 100 % ( we just received the inspection that came back at 90 % last week, all that is required by Chase in their own words ( SEE THE LETTERS ATTACHED ). It seems to me that Chase is playing games and keeps changing their own rules that they have set and actually put in writing to me in the two ( 2 ) attached letters. This is WRONG ON EVERY LEVEL. The ONLY resolve for this issue is that Chase release the balance of the insurance money!!! ASAP, the only resolve after that would unfortunately be a lawsuit ( I WILL HIRE A HIGHLY QUALIFIED ATTORNEY TO SUE CHASE FOR DAMAGES ).
Wells Fargo is refusing to remove data from our credit report. Wells Fargo reported we were late on a mortgage payment after the loan was paid off in full. We were specifically told to make no further payments to Wells Fargo. 
Their action has severely damaged my family 's credit.
I sent a letter asking Experian to remove the incorrect names and addresses from my report. I also requested that several of the inquiries, Collections listed were not mine and/or not authorized. The information is still listed on my report and I never received a response from Experian. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$59.00} XXXX XXXX  {$280.00} XX/XX/XXXX
On XXXX, XXXX XXXX, 2015, i went into the PNC branch in XXXX on XXXX to exchange some spare change I had. The bank said they do not have a coin machine and refused to exchange my currency if i did not put it in sleeves myself. How can this be that one of the largest banks in the United States refused to commercially exchange U.S. coins for dollars?!
I am a long time Capital One customer and used to consider them my preferred bank. 

Recently, I started a new company and because of my prior satisfaction with Capital One I decided that they would be my primary bank. I applied for a Small Business Checking Account on XX/XX/XXXX. After some time they came back to me requesting further information about my business which I promptly provided.
I did n't hear back from Capital One until XX/XX/XXXX ( violating their own 5-7 day policy ) later at which time they told me my new account would be shut down if I did n't respond within 2 weeks time. What new account? I never signed any documentation? I never received any of the required documents to open a new bank account? While this is clearly frustrating and a breach of trust if not the law ( opening an account under a business 's name without their approval ). That is not why I am writing. 

While my account was apparently being setup without my approval, Capital One proceeded to switch my personal credit card account contact information to match that of the business account for which I was applying. This meant that all of my credit card statements and personal information were shared with my business account which is publicly available to my coworkers. Capital One, without my consent, shared my personal financial information with people who had no consent or credentials to receive it. 

It 's a gross violation of my trust and my rights as a customer.
I have a complaint about a transaction at this store : XXXX # XXXX XXXX Cleveland, OH XXXX NCP Loan Number : XXXX I was told that it was part of XXXX is part of Advance America. 

I 've been taking out loans on and off from this location for about XXXX months. In earlier loans, I was given the option if I wanted the repayment withdrawn automatically from my checking account. Then I was told if I wanted to " re-up '' the loan, meaning process another loan right after paying the first one back, I would have to come in because it can take their system XXXX days to recognize the first loan had been repaid via automatic withdrawal. Finally when I took out my latest loan, the story changed once again and I must come into the store to repay, there is no automatic withdrawal option - even though I received text messages confirming they would process an automatic withdrawal the next day if I did n't stop in on the due date. They even called me and my husband to harass us because I had n't come in. 

I believe they are changing the auto payment rules to encourage people to re-up their loan, and never really pay off the cash advance. Please feel free to call me if you have any questions. 

SincerelyXXXX cell XXXX
I went to make an urgent deposit into my Capital One account at an ATM in the XXXX  store at XXXX XXXX XXXX, XXXX, MA XXXX in XX/XX/19 at XXXX because I needed this money to be available to cover a debt on the same day, but the machine swallowed my deposit of {$570.00} and returned me {$30.00} saying they were kneaded and simply after that it shut itself down by restarting the system without completing the deposit in my account and giving me any receipt. I contacted Capital One but the same just said that I could just open a claim and wait for at least 7 days for the answer being that I needed my money right away and being that it was a problem even filmed by the cameras from their machine shop.
I ask for proof of a sign contact with portfolio recovery but never received one by law they must show me proof
I got a call from XXXX agent over a year ago about not letting my school loan default. Not really knowing much and talking with them I found about forbearance to get them out of default. We did the paperwork and they determined with XXXX kids and my pay I would have {$5.00} taken from my paycheck per paycheck. Then after a year I would get contacted by a new collector. I never did and then a bill from Navient showed up and I had to call to make sure they were n't a fraudulent company. Found out they were part of XXXX and I had just recently paid a CC off so I started sending that money in twice a month towards my loan. So I went from paying {$10.00} that XXXX had taken from my check to {$100.00} a month. Last month I got a final notice letter from Navient. I called and asked why? They said I had n't been making large enough payments and I explained all this to XXXX ( # XXXX ) and asked for all info in our conversation and the paperwork I needed to fill out, to get my payment recalculated as before when XXXX had done so, emailed to me along with conversation. I did receive a email but could n't respond to it and still have not received the paperwork I need to fill out. Very frustrating as I am working hard to provide for my XXXX kids and rebuild my credit score after my divorce and find out they are reporting me.