WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX/XXXX/16 I checked my balance online, prior to making a purchase at XXXX XXXX XXXX. It said my balance was {$70.00}. I had a an item pending, but my available balance once the pending item was applied, was still plenty enough to cover my purchase. I purchased {$30.00} at XXXX XXXX XXXX, and went home. That night I looked at my balance, as I do daily. I had money available, although I do n't recall how much at that moment. It was a positive balance, and I saw my XXXX XXXX charge go through for {$25.00} ( less the tip amount, which was {$5.00} ). The next day, on XXXX/XXXX/16, I believe I did n't glance at my balance at all, or make a charge. On Friday, XXXX/XXXX/16, I took my sister to the airport and paid for {$2.00} worth of parking, and we got some ice cream for my kids. Since I had n't used my card since the day before, I was sure I had enough to cover the {$15.00} ice cream and the {$2.00} parking, which would have left my balance at {$22.00}. I did n't see this as a problem as I had a deposit that the depositing bank had emailed me about that stated it was due to post to my bank account on XX/XX/XXXX. I assumed that would occur, and either way my balance was positive. That night I paid {$15.00} toward a presidential campaign donation. Right before I went to bed, I wondered why my bank had not yet posted my deposit, but still I had a positive amount of money in my account. Saturday, I woke and looked at my account, hoping the deposit had finally posted. It had not, and I had now a negative balance, due to XXXX overdraft charges that were erroneously charged to my account beginning with the XXXX XXXX charge. So, this here is the problem. At no time prior to that morning, did my account say I was negative, nor did it say I did n't have enough to cover the very first charge I made, that they say made me overdraw. My balance online still reads {$70.00} prior to the XXXX XXXX charge, and they charged me {$38.00}. Next they charged me another, and another, all snowballing because of the first erroneous fee. It continues on today. I have spoken to the bank on three occasions. Once by phone, when the Rep just told me I was overdrawn, which obviously was not true. The next time I emailed, and was given a basic default response, that had n't much to do with what I 'd emailed about. The third time I contacted again by email, no pretty upset. I was given a response that they would look into the matter and either way call me immediately. That was two days ago. No call, no answer. I want my money back, and hope you can help. As of today, XXXX/XXXX/16 they have fined me {$220.00}. When my deposit came through finally on XX/XX/XXXX, I withdrew the money at the ATM. Then, they fined me for that!!!! I clearly had that money in there. This is just ridiculous.
Identity thief fraudulent accounts on XXXX XXXX Equifax credit rsports Open accounts XXXX XXXX XXXX amount XXXX dollars date opened XX/XX/XXXX XXXX XXXX XXXX amount XXXX dollars Date opened XX/XX/XXXX XXXX XXXX amount XXXX dollars date opened XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX amount XXXX dollars date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX amount XXXX dollars date opened XX/XX/XXXX Closed accounts XXXX XXXX XXXX XXXX XXXX open XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX To old to be on my credit report Equifax is still reporting on my credit report
Procollect said I owed {$200.00} for a debt for medical treatment by XXXX XXXX XXXX for me, XXXX XXXX, date of service, XXXX/XXXX/08. My XXXX XXXX plan EOB shows that they were paid the PPO allowed charge of {$200.00} and I owed {$0.00}. I have talked to them a number of times, mailed letters from my health plan, and a copy of the EOB. They will not work with me to resolve the matter, refuse to let me talk, insist I owe the debt, reported me to the credit bureaus and continue to harass me by phone
Got a Citicard and was not told of the {$95.00} renew fee nor was I told when the promo interest rate expired so I could pay off the card I requested to close the account in XX/XX/2018 VIA US MAIL which is when they billed me {$95.00} for a renew fee and then they kept charging me interest and ignored my request
For the past 3 months i have tried o communicate with AWA Collections in regards to an unknown account they placed on my credit. I have also sent them certified notices which they have received but have failed to respond to me. I was not contacted via phone or in writing about the debt. i discovered it on my credit and i am not sure what it is for or who it belongs too ... .. i just know this is an error- it is not my debt and it was not validated.     AWA Collections Account  Number   XXXX
National Credit Systems , Inc. continues to collect a debt that is not investigated. XXXX XXXX will not provide the following that I have repeatedly asked for : 1. Proof that they have posted a Texas Debt Collector Bond. 2. A copy of my original lease showing that I have a pet. 3. An acknowledgement signed by me at move in of damage costs to be assessed at move out. 4. A document signed by me showing damages at move out and the application of my {$400.00} deposit to the damages. XXXX XXXX at National credit systems Inc. refuses to provide these documents, all of which he says he has.
We are long-time Wells Fargo customers, in fact, when we use the ATM or sign on to online banking, the message thanks us for our 25+ years of being customers. In the XXXX XXXX, XXXX edition of the XXXX XXXX, there was an article about the ongoing sales practices that led to the current scandal. The article addresses a report that says the problems in the banks sales culture date back to at least XXXX far earlier than the bank had previously said We wrote to then CEO XXXX XXXX in XXXX about an unnecessary home equity line of credit that ended up costing us {$500.00} in fees. We did not need the line of credit and in fact, never used it. The banker at the time said it was good to have just in case. We were told in a later phone conversation by XXXX ( XXXX ext. XXXX on XXXX/XXXX/XXXX XXXX XXXX PT ) and XXXX ( XXXX XXXX ) that there was no pre-payment penalty. A full year later we recalled that the line of credit was sitting unused out there and considered using it for a kitchen remodel. We were unable to use the loan because of subordination so we closed to line of credit, again, without ever using it and were charged {$500.00} for an unnecessary, unwanted and unused line of credit. The response back from Wells Fargo was a cold form letter, not customer-centric and certainly not something we expected. Now that the banking scandal appears to pre-date the line of credit, I requested information on the entire process of the line of credit. Was the employee who signed us up for the unnecessary home equity line of credit paid a commission and/or bonus? Were they part of the scandal? Were they fired by Wells Fargo? Was anyone else involved in the line of credit a part of the scandal and did they receive commission and/or bonus for the loan? I requested yet again, that we be refunded the {$500.00} we were charged for an unwanted, unnecessary and most importantly, unused home equity line of credit.
I was trying to temporarily thaw my credit for me and my wife on XXXX XXXX, XXXX. Due to a glitch on the Equifax website the transaction of {$20.00} was repeated for a total of {$80.00}. I wrote a certified letter to Equifax on XXXX XXXX, XXXX. According to the USPS tracking information they received the letter on XXXX XXXX. As of today, XXXX XXXX, XXXX, I have not received any reply from this agency. Attached are a copy of the letter sent to Equifax, a credit card statement with the charges, and a copy of the USPS tracking for the letter.
On XX/XX/2018, XXXX  XXXX XXXX LTD Financial Services called me and stated that he was calling in reference to a debt that I had owed to XXXX XXXX XXXX in the amount of {$2300.00}. I stated that I had attempted to pay them and another firm but they said they did not have the file. I asked him how he got the file and he said that I had been contacted several times which is not a true statement. XXXX XXXX stated that they could make a settlement with me for {$1800.00} if I pay by XX/XX/XXXX. I said that I needed it in writing. He said he could not mail me anything but it had to be faxed. I sent him my fax number at work. He sent me the document. Now he keeps calling me asking me to send a cancelled check online for payment. The deadline has not passed. He is very rude and raises his voice saying things like " We are offering you {$600.00} reduction! ". I asked him to stop calling me and he stated " You were suppose to call me back! '' I feel that I am being harassed and not been given proper notification or time. I contacted the other firm ( XXXX XXXX ) and they said that they had not attempted to contact me at all.
I have made several attempts to obtain Validation from XXXX XXXX but unsuccessfully. I filed a complaint # ( XXXX ) stating : There is a credit card account on my credit report reporting from XXXX XXXX XXXX. The initial amount for the debt was {$430.00}. I submitted a direct dispute with the company explaining the debt was not mine and requesting verification that the debt was indeed mine. I requested XXXX XXXX XXXX  to provide a signed contract showing my signature. That request was never fulfilled. In XX/XX/2017 I sent a letter as well as a money order in the amount of {$50.00}. The letter was sent certified ( Tracking XXXX ) money order ( Tracking XXXX ). The letter goes to explain that the debt was unverified but to have the debt removed from my credit file, I was sending the money order in the above amount as a settlement. In return the debt would be satisfied and deleted from my credit report. The letter also specified that cashing of the money order would certify as a contractual agreement that XXXX XXXX XXXX XXXX would mark the referenced account as satisfied and delete the account from my credit report. XXXX XXXX XXXX  has since cashed the money order and applied towards the balance on the account, which now reports a balance of {$380.00}, while also reporting the account as " Never paid ''. 

The company never responded to the complaint.
I received an American Express Serve Prepaid debit card. Not too long after, a fraudulent charge of XXXX was withdrawn from my account from a ATM in XXXX. However, I reside in XXXX. After speaking to various customer service representatives, supervisors, managers and so forth my dispute was not honored. They will not give me a feasible reason as to why. I asked them how could this happen when I have my card in my possession and they are well aware that I have no access to an ATM in XXXX. Moreover, all of my transactions were made in XXXX XXXX, XXXX. This transaction does not add up and they refuse to reimburse my XXXX. Furthermore, they have blocked my account in which I have my direct deposit linked to this card. I still have funds on that account that I can not use. The representatives are poorly trained and whenever I speak to them they are either fully unaware of what is happening with my account or some information is missing. Not only is this an inconvenience but it has also caused financial hardship. I am unable to pay any of my bills and the situation occurred a week before XXXX.
I am not an active credit user. I am a responsible consumer. I experienced a work injury and I had to file for worker 's compensation.. During the negotiation period, medical bills were piling up. Even though they were informed that it was a worker 's comp. medical case the office submitted my over due medical bills to the credit reporting agencies. I have requested often to have late payments, bills paid in full to each of the agencies, and they each take their time in responding to my request. Are they do not correct my credit report. and increase my score. My attorney XXXX XXXX has sent to each of the credit bureaus copies of the paid in full accounts. at least 3 times. I need my credit score corrected and increased and old medical bills and student loans reported as paid in full and removed off of my credit history. I was sure my score was high since I 'm not an irresponsible spender. Only to learn that I was given a low score because I did not have any debt. So, I made a purchase and started making payments. This purchase will be paid in full in the next few months. The company keeps trying to get me to make another purchase because of my prompt payment history.XXXX XXXX only reports to XXXX of the credit bureaus. This is awful. I asked them why not all XXXX of the agencies, they do n't want to pay fees. I thought my credit score was XXXX or XXXX since I am a responsible steward of my money. I am hoping that your office will handle my concern now. I want to Thank Your Office now for being available to handle challenges such as mine. I know it will be resolved with ethics something that is missing in the business world today. Thank You
I have called nationstar mortgage several times spent several hours on the phone meet all the requirements to have them remove my PMI they wo n't mail me the proper documents they wo n't respond to my emails I have sent them ever thing they ask for but that XXXX document that they wo n't send me l paid over 28 % of my loan and my house has appraised for XXXX original loan was for XXXX I owe XXXX I need help since they keep making excuses
I have been getting phone calls from people who say they are from Kirkland Financial asking for some one I 've never heard of for over 2 years, ( the amount of time I have owned my phone ). They sometimes call me as often as 2 or 3 times per day. I have told them repeatedly they have the wrong number and to stop calling me. I have asked to speak to a supervisor and told them of their misguided actions and they were rude beyond rude and hung up on me. I have even threatened legal action if they do n't stop. Nothing stops them. What can I do?
XX/XX/XXXX Loss Draft Department of OCWEN refuses to endorse insurance claim check in the amount of {$13000.00} after assuring contractor that they would not handle second claim check any different than first claim check. OCWEN has returned check twice without endorsement. Contractor has placed lien on property to recover amount owed. OCWEN failed to provide written documentation of what the process is. Wants me and my spouse to endorse the check first and they will " reissue '' an OCWEN check to Contractor and us. Work is complete and OCWEN inspector has been on site to verify the work ; yet they still refuse to endorse the insurance claim check from XXXX XXXX. 

XX/XX/XXXX Loss Draft Department of OCWEN refuses to endorse insurance claim check claiming they need to monitor the work. Can not provide an explanation for withholding their endorsement.
Chase bank made a error and lien our property with another property 's loan and they are not responding to my complaint and I am about to lose a refinance because of their error, please read the complaint I filled with Chase. 

Reference : chase loan # XXXX Case # XXXX Case # XXXX Property address : XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX : XXXX To whom it may concern : In XXXX Chase offered to refinance this loan for a lower rate which we successfully did. 
In XXXX XXXX it was brought to our attention by XXXX that Chase Bank has a lien for collateral the neighboring house on XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX number XXXX we are in the process of refinancing XXXX XXXX XXXX with XXXX they have given us notice that they can not proceed with the refinance until Chase Bank corrects this error and removes the collateral loan from this property to the correct property and parcel number which is XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX number XXXX. 

I have sent in writing at the beginning of XXXX to Chase alerting them of this error I received a letter on XXXX XXXX that they are " researching '' this issue I have called practically every business day since then talking to multiple agents and transferred from department to department with no one offering a resolution, I have contacted first XXXX XXXX XXXX ( file # XXXX ) they have acknowledged the error but can not proceed without instructions from Chase I have exhausted all of my attempts to try to get Chase to correct their mistake I have spent endless hours on the phone I have visited the local branch in XXXX XXXX and met with XXXX XXXX XXXX relationship banker XXXX XXXX who spent 1 hour on the phone and no one has any idea how to resolve this issue. 

Time is running out where we have a rate locked in with XXXX on XXXX for the refinance, if Chase does not resolve this by XXXX XXXX, XXXX I will have no choice but to initiate a lawsuit with legal action to recover my financial losses because of the error that Chase Bank is not correcting, Chase bank has had over 30 days of notice to correct this error, only to give me the runaround and much lip service without any resolution all I get " its being researched ''!! 

If I do not hear a response for you by Monday, XXXX XXXX, XXXX I will retain an attorney to represent me and to go with the full strength of the law to recover my losses and punitive damages for my time and energy exerted in trying to correct this wrong. 
You can reach me at XXXX my cell phone or you can reply to this email address I truly hope that the Chase bank will take this matter seriously and will respond favorably and immediately, Sincerely, XXXX XXXX
Over the past several years I have filed numerous complaints against Capital One because of the outrageous interest rates on my account. Each complaint resulted in the same canned response " we ca n't lower your interest rate ''. For many, many years the interest rate hovered around the 17 % mark, adding almost XXXX XXXX dollars in interest to the balance each month. After signing onto the account today, I noticed that the interest rate jumped up to 18 %. How can Capital One justify increasing my interest rate but each time I ask to lower it, I get the same response? I ca n't express my extreme disgust with this company. I 've been with Capital One since XXXX and used them fully until XXXX. For someone that 's been with them for as long as I have, I would have expected them to work with their customers instead of thinking it 's just to raise interest rates whenever they feel like it just because the " market dictates ''. My next step is contacting my senator 's office and then possibly, legal action. I received no notifications that this interest rate was going to increase.
I had a credit card with Wells Fargo when to a tough situation then i try to settle the account and they wont take any mere payment on this account they toll me they are doing a XXXX on the collection but the balance still showing on my credit report i will like for the account to said closed at zero amount I am fixing my credit
I submitted paper work for a loan modification with Suntrust Mortgage in XXXX. I continued to keep in contact with my Loan Preservation Representative, XXXX XXXX, who would tell me whether or not she need more information. I called to find out the status and she confirmed that everything was fine and it will be sent to the loan company. then i received a letter saying they were going to send my loan to another service co. XXXX and they would transfer all my information over to them. When i called XXXX, they told me they did not have any information on me and could not discuss the loan and until they had the information there would be no discussion. I called Suntrust and spoke to XXXX. XXXX, she claimed they sent everything over to XXXX. I called them back and found out they sent my deceased husbands ( 2008 ). name over instead of my information along with my active modification process. I am tired of playing this back and forth game with Suntrust, I am not able to pay my mortgage and it 's behind.I have been unemployed since XXXX and i would like so help. 
Sincerely, XXXX XXXX
I have had a morgage with PNC for many years - recently I am going through a bankruptcy and was required to do a modification on the loan as i was behind several payments and needed to get the arrearage put back in loan and perhaps lower the interest I have submitted a XXXX page document with everything required then PNC said that the didnt receive a whole bunch of documents that i clearly had faxed to them so I resent all required documents by certified mail signed receipt required - i received the signed receipt back from PNC after several weeks i didnt hear from them so i called them and they said that they never got anything but that they could not contact me as im in bankruptcy PNC is trying to foreclose on this loan and yet every time i submit documents they say they didnt receive them! 
they also said that they sent a letter to the trustee of the court letting them know what they needed - but the trustee of the court is not the correct place to send that letter - they need to send it to me and my BK attorney they keep saying they cant/ wont talk with me as im in XXXX XXXX my BK attorney has sent them several letters giving them permission to talk directly with me they have now rejected the modification that i submitted XXXX plus pages of paperwork for based on " not getting required documentation " and that i have to resubmit everything frrom scratch eventhough they have a lot of the documentation already on the XX/XX/XXXX there will be a hearing to foreclose on my loan so i am scrambling to get all paperwork together again! 
i can only think that they are either very inefficient and sign for documents that dont make it into the right department, their emploees do ot know what they are doing as the give me incorrect information or they are manipulating things to deliberately prevent me from getting a modification review so they can foreclose i recently made a payment of XXXX $ to start clearing up my arrearage but they show no kind of helfulness at all to help me in the process of getting the documents to them - in fact they make it as difficult as possible every time i speak to someone there they tell me something different -in deed- last week they told me they had all the paperwork / this week they say they didnt get it! 
i left a long message to a supervisor on monday asking for help to clarify things -today is wednesday havent heard back - i refuse to lose my home because of their communication issues i need someone to help me get a handle on the situation
Two attempts to get debt validation from collection agency, with no response, got a citation to appear in court on  XXXX   XXXX  at  XXXX   XXXX . Get to the court house after waiting over an hour to be informed that the case was adjorned to  X/XX/17    ... no contact from the collection agency letting me know the case was adjorned. How long do i have to lose work over an account i am trying to find out about, and have no knowledge of? Please assist me in getting some answers.
On XX/XX/XXXX I contacted Dyck-O'Neal in regards to their account # XXXX. In the letter, I explained that the note was a modification of an existing mortgage loan, not a new financial instrument. Further more, I supplied a XXXX clearly showing that the entire balance was charged off and that a Satisfaction of Mortgage was filed on XX/XX/XXXX after the date that Dyck-O'neal states this account was opened. Since my communication to Dyck-O'neal, no satisfactory explanation of how their account is a valid debt has been provided to me. Communication from them has been sporadic at best, with no communication during recent periods of a year or more. Recently, I disputed this account with XXXX credit reporting agencies since Dyck-O'neal decided to start reporting this account as late. The disputes resulted in still no details of why this debt is valid. 

In a nutshell, this debt was 100 % charged off by XXXX XXXX during a Deed-in-lieu of foreclosure and Dyck-O'neal has no right to attempt to collect on this.