WillisBack/dataset-financial-user-claim huggingface dataset:
I am a XXXX XXXX customer. 

This is regarding an early termination fee demand of {$200.00} by the Attorney of XXXX XXXX for de-activating and/or early termination of service from XXXX XXXX. 

On XXXX XXXX, XXXX, I bought an XXXX phone from XXXX XXXX, XXXX XXXX, XXXX, VA XXXX for {$49.00} ( Carrier : XXXX XXXX ). 

However, on XXXX XXXX, XXXX, I went out the country and de-activated the phone and paid the balance amount in full to XXXX. When I returned from abroad, I again re-opened my XXXX XXXX account ( Account No : XXXX ). 

When I bought the devicep/phone originally, I asked the sales person to clearly state and write the cancellation/termination policy and fees because consumers normally do not read several pages of agreements in fine/small prints. 

He told me that I have a no-contract service ( XXXX ) with XXXX and that I can terminate the service at any time by paying the full amount of the device/phone. 

On XXXX XXXX, XXXX, I received a letter from Aldous & Associates , PLLC, XXXX XXXX, XXXX, UT XXXX, asking me to pay {$200.00} for cancellation of my service with XXXX. 

I did not sign this agreement that I would pay {$200.00} to XXXX XXXX for early cancellation of service from XXXX. The sales person never told me that I have to pay this amount. My daughter, who was with me, is the witness. 

If I knew there was an early termination fee of {$200.00} due to XXXX XXXX, I would not have bought the phone and enrolled in XXXX 's XXXX program, which is a " no-contract '' service by which the customers could terminate/cancel their service at any time. 

Since I did not sign a contract to pay {$200.00}, and since the sales person of XXXX XXXX did not disclose about the early penalty of {$200.00} to XXXX XXXX, I do not owe any money to XXXX XXXX. 

XXXX XXXX must be instructed to train its employees to clearly instruct the customers that they would have to pay {$200.00} early termination fee to XXXX XXXX for early termination of service from XXXX, even if they have a no-contract ( XXXX ) service with XXXX, so that XXXX would not defraud the customers.
I have about {$5000.00} in fraudulent charges from a XXXX. These charges are unauthorized. I have contacted Key Bank via postal mail but have n't received a response. I am XXXX so I can not call their fraud number that they 've given me and they wo n't allow you to initiate a dispute via email. So I mailed them a dispute letter about these fraudulent transactions. There are also about {$150.00} in foreign transaction fees. 

After doing some research, you should be aware that XXXX is n't even allowed to do business in the United States or with any U.S. citizens for that matter. They are an unregistered, unregulated brokerage firm of some sort and do not comply with U.S. laws. In other words, they are illegal and should never have been able to charge my debit card in the first place. I am attaching a document from XXXX that the SEC published that backs up the fact that XXXX is illegal.
Dear Sir or Madam : I am writing to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the report I received. 
This item is a collection item. The debt that this collection agency is trying to collect on is being collected by the State of New Jersey County of XXXX & XXXX. I have included the court documentation. Please delete the entry in order to correct the information. XXXX & XXXX County is responsible for collecting the debt and they have not requested XXXX XXXX XXXX to collect on their behalf. The State of New Jersey County of XXXX & XXXX is the only collection agency for this debt. I have furnished the same information the XXXX & XXXX but they have refused to remove the entry. I have let the courts know the status of this and they are n't happy and will be doing an investigation on their own. 
Enclosed are copies of payment records and court documents supporting my position. Please reinvestigate this matter and delete the disputed item as soon as possible. This is the second time that I have disputed this entry and it needs to be removed
In XXXX Bank of America represented to me some of the fees and costs assessed to my mortgage included an amount used to pay off the XXXX XXXX lien, but it remains unpaid to date. I have requested a detailed account and accounting of the XXXX fees and costs assessed to my mortgage and do so again. I have not received any response from Bank of America to date in this regard.
I got statment in mail a month a go from paypal credit which I never opened. There was a transaction amount {$840.00} from XXXX XXXX XXXX on XXXX/XXXX/2017. I made a several call to paypal that I never opend a credit card with them.
2016 was a hard year. My son, proudly serving his country in the XXXX, went through a painful divorce while stationed in Hawaii. Helping with the legal fees of a long, ugly custody battle as well as the enormous expense of flying to and from there and my home took every cent I had. Things took an even worse turn, when S

ocial Services seized his XXXX XXXX XXXX XXXX and his XXXX XXXX XXXX XXXX. At this point, I did what any mother and grandmother would do, and dropped everything and got on a plane. With my help, we regained custody. But at the end of this nightmare, my savings were gone, and Id worked one month out of the entire year. At the start I was working two jobs. Our family banded together to help care for the children, and even my ex-husband helped as best he could to keep me afloat. I had gotten a payment or two behind on my mortgage and we paid what was due. It is hard to bounce back all at once. Time passed, and as we all resettled back into our lives, I found myself somehow behind by three months. I thought I could pay it back like last time, but the loan had been accelerated. I pleaded with the bank to work with me. Mr. Cooper would be pleasant on the phone, but nothing would be resolved. The fees were still mounting. Someone in only five months, I owed a years worth of mortgage payments! Now I am back in XXXX XXXX, and back to working full-time.
I am uploading documentation that XXXX  is still reporting my XXXX XXXX account as having a late payment the month of XX/XX/2015 which is reporting as a negative account on my XXXX credit report. I am also uploading proof from my XXXX  credit report that it has been confirmed that this account was never paid late. I have disputed this several times with XXXX   but they will not fix this error.
I received a call from a private number and a man by the name of XXXX XXXX left a message saying that he had my social and that he would be delivering me some type of mail on Wednesday. He said he had confirmation that I would be free all day Wednesday to receive the mail, which is untrue because I work full-time Monday-Friday. He left a reference number and number to call back, XXXX. So I called the number back and XXXX XXXX answered and took my reference number. He said that XXXX XXXX was the courier. He went on to explain that he is trying to collect a debt from 2013 and that what XXXX would be delivering would be their efforts to take some sort of legal action against me. I asked how much I owed and he told me. Then he said that there was still time to resolve the issues without taking any legal measures. I told him that of course I would want to keep it out of the courts and that I could make a payment XX/XX/XXXX, he said no that is not acceptable. I explained that right now I do n't have any expendable income and he said " Well we are all living paycheck to paycheck ''. He kept using my name in a derogatory manner. I just did not like how he was speaking to me. So I hung up the phone on him. Then I decided to call back to get the name of the company and when I called back he kept using my name to let me know that he knew who I was. I told him that I was happy that he had caller ID and I hung up.
They are double charging me for an eviction from 2013. Account : XXXX XXXX & XXXX XXXX They are double charging us for an eviction that we received XXXX 2013. The apartment complex sold the collection to a third party which is Procollect INC. They are in turn trying to double charge us for Insuffcient Notice Penalty charges in the amount of {$1300.00} times two for a total of {$2700.00}. A lease termination fee in the amount of {$190.00} times two for a total of {$380.00}. Along with the other ludicrous charges of resurfacing the tub in the amount of {$170.00} and shampooing the carpet in the amount of XXXX. I say this because there was n't any damage with the tub nor the carpet, both were very clean upon departure and we also did a walk out with the leasing office along with a checklist and nothing was wrong. Both her and I signed off on it! We only stayed in the apartment for a total of 3 months. It clearly states charges for " XXXX ''! As highlighted! Rent was {$680.00} per month. And with all these fraudulent charges we now have a grand total of {$5400.00} owed. This is bogus!
I had an issue with a merchant where the digital items that I have purchased were disappearing from my account. I used my paypal business debit card to make the purchases. After this occurring for months the only response I was getting from the developer was automated email mails that had nothing to do with the issue until the last one. It stated that I needed to provide screens shots of the items that disappeared. Since that was an impossible thing to do, being that they disappeared, I called XXXX support. They advised that since they can only refund 24 hours of charges due to company policy, I should call my card provider and dispute the charges. The total amount I have spent exceeds {$50000.00}. I called PayPal and filed the dispute. Only disputing the charges from the time I noticed the items disappearing. Paypal then denied the dispute and locked my paypal account in a matter of a few days. When I phoned them to ask why they responded saying I would have to hire a lawyer and subpoena them to get an explanation. A few months prior to this I had a fraudulent dispute filed on me and they decided against me due to the fact I did n't have proof of shipping. The item was a digital item so there is no way to prove that. I used paypal for a considerable amount of transactions prior to all this with no complaints or issues that would negatively portray me in any way. I feel that PayPal is taking advantage of being the middle man without accepting the responsibility of insuring the purchases properly. Due to the fact that the items I purchased were disappearing I felt that taking XXXX advice was the right course of action.
Applied and rece ived First Progress Card. Init ial  XXXX  paid by Bank card on  XXXX   XXXX    XXXX  . Paid remaining Bank balance of  XXXX  on  XXXX   XXXX    XXXX  .    Contacted First Progress  at  XXXX   XXXX   XXXX   XXXX  to ask for refund of my  XXXX  and to cancel the new card, I was instructed that I would only receive  XXXX  due to they ca n't find the initial payment on  XXXX   XXXX .   Both transactions are clearly on my bank statement which I have sent to them.
In XXXX American Express broke ties with XXXX so all of the green XXXX cards were cancelled and transferred to other accounts. When that happened we had to use our reward points which totally about XXXX. We chose XXXX XXXX gift cards so we could get carpet for our rental property. Upon finally deciding to use the cards it was discovered that they were totally blank. ( {$250.00} worth ). I was told that a nationwide issue was occurring with all XXXX XXXX gift cards and we would be sent replacements. This took several months meaning we had to pay cash for the carpet. The new gift cards finally arrived and upon going to use them, they were again blank. American Express membership rewards informed me that they had mailed the cards and then promptly deactivated them. I told them I no longer even needed the cards and they promised me a check for {$200.00} instead of the {$250.00} that the cards were worth. Weeks went by. When I finally called again, they told me they had closed the case because a check was sent. I have never received a check and now many months have gone by with still no check. I have made dozens of phone calls and have been promised, promised, promised but still no resolution. I have escalated this twice and have talked to supervisors. The last they told me was because the card has been closed over a year they ca n't do anything. I believe this whole thing has been a runaround to not honor my reward points. I 'm irritated and frustrated. I 've spent hours on this. I want my check.
Bank of America closed my account without sending me a correspondence regrading as to why they close it, i called customer service on XXXX/XXXX/XXXX and the representative told me he does n't know as to why it got closed the only reason he could tell me is I had late payments on the credit card. I asked if the only reason to open it is to reapply again and the rep said yes. the reason why i got late payments is I got XXXX and could n't pay it, I payed the credit card on XXXX/XXXX/XXXX for {$230.00}. I feel that I got discriminated on this matter and treated unfairly.
To whom this may concern, I applied for a credit card with Capital One XXXX XXXX XXXX and was turned down on XXXX/XXXX/2015 and a few months back. The attended asked me if I kept a balance on my credit cards and when I said No. She told me I was turned down although I have excellent credit. Further, I received a offer from the Capitol One XXXX Reservation : XXXX, Access Code XXXX. I called this XXXX to apply. Please help
Since XX/XX/XXXX I have been disputing information reported by Synchrony Bank/Care Credit and XXXX, XXXX, and XXXX for which they claim My account was charged off {$1100.00} on XX/XX/XXXX. Repeatedly, Synchrony Bank have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Synchrony Bank claims this account was sold to XXXX XXXX XXXX and refuses to provide me any viable evidence that the account is being reported accurately. They are being willfully non-compliant in my request for verification of the debt. They just told me to contact XXXX XXXX XXXX.
Recently, XXXX sent me a copy of a bill statement. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting.
I tried to get a new car XX/XX/XXXX and XX/XX/XXXX. Was informed the auto loan I have been paying on since XX/XX/XXXX has not went down and is actually more money then I originally leased for. I was financed for {$10000.00} with an interest of 23.81 % according to the documents I have. I have been paying {$280.00} -XXXX every month and now the total due is owe {$11000.00}. This car will never be paid and I discovered interest is accured daily at the 23.81 % rate. I spoke to a customer service agent who said the car is owed {$11000.00}. The car was a {$10000.00}. 

The company has over 1400 complaints online for the same issues. To add this, the company is reporting to the credit companies and it looks like I am making payments on a revovling account instead of a fixed loan. 

I have all the documents and credit reports. I will have to scan the additional documents.
XX/XX/XXXX {$3100.00} PERFECTION COLLECTION LL XX/XX/XXXX {$400.00} PROFESSIONAL COLLECTION XX/XX/XXXX {$340.00} PROFESSIONAL COLLECTION XX/XX/XXXX {$920.00} XXXX XXXX XXXX I XX/XX/XXXX {$1100.00} XXXX XXXX XXXX I I have sent letters multiple times even file dispute cases with each credit company and nothing has happen
Collection Accounts identified as ( XXXX XXXX ) on my Transunion Credit Report Account # XXXX Account # XXXX Account # XXXX Account # XXXX Appears on my credit report, however, the alleged original creditor FAILED to process my insurance credentials correctly therefore adding them to my credit report lowering my credit score and causing me hardship and Refusing to removing these accounts. Additionally, I asked TransUnion to delete these accounts from my report as I was covered by insurance ( XXXX ) at the Date Of Service and I am covered by the same insurance as of todays date. I never received a bill or notice of delinquency and I also spoke with my insurance company to verify they would be resubmitted and paid due to creditor 's error. I have previously asked for removal of the disputed item, and yet the XXXX Accounts is still reporting delinquent and late. Since both the creditor and debt collection agency are aware of the error on their part, TransUnion needs to permanently delete this item as FCRA does NOT allow for inaccurate items to remain on consumer credit reports.
Chase Bank, Executive Office has ignored the evidence provided showing the property with XXXX XXXX XXXX XXXX transferred to Chase Bank due to  acquisition of Washington Mutual Bank which acquired XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX I spoke with FDC Federal deposit insurance that oversees bank transfers. The agent who oversaw the Chase Bank acquisition of Washington Mutual Bank confirmed the acquisition. Agent confirmed FDC did not retain files from Washington Mutual Bank acquisition and verified the transfer to Chase Bank. Agent advised to dispute my large bank account assets transfer to Chase Bank with Chase Bank direly and submit a consumer complaint. 

1. XXXX XXXX XX/XX/XXXX XXXX was acquired by Washington Mutual bank which was acquired by Chase Bank. 

2. Executive Office of Chase Bank ignored my correspondence on XX/XX/XXXX with the facts below. 


A. Proof of ownership of XXXX XXXX XXXX XXXX, XXXX property of large bank account The attached XXXX XXXX XXXX  XXXX, XXXX tax form of XXXX shows interest income of {$1200.00} earned to the original deposit of a large bank account of {$20.00} opened in XX/XX/XXXXat XXXX XXXX XXXX XXXX, XXXX. 

B. As of XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA was acquired by Washington Mutual Bank. Washington Mutual Bank failed in XX/XX/XXXX, and all accounts ( and website access ) are now handled by Chase Bank. 

C. State Controller Unclaimed Property office stated that the Savings account property was not transferred by bank to State Controller Property office. 

To determine whether the property is being held by a state government, I did a free search at XXXX, a Web site of the XXXX XXXX XXXX XXXX XXXX XXXX and spoke with three Administrators at the XXXX XXXX XXXX XXXX to confirm my search results. 

D. FDIC Federal Deposit Insurance Corporation that oversees bank transfers including Washington Mutual Bank 's acquisition did no retain files from Washington Mutual Bank 's acquisition by Chase Bank. The FDIC did not turn unclaimed property over to the state. 

E. FDIC Federal Deposit Insurance Corporation stated I needed to claim property from the business, Chase Bank.
Wells Fargo charged me {$90.00} for a safety deposit box that was closed in 2011, then charged me a {$35.00} overdraft fee to cover this box fee.
My student loans are managed by Navient. My payment was due on XX/XX/XXXX. Because my account was set up on Auto Payment, I removed the Auto Payment information on XX/XX/XXXX to prevent the payment from being debited from my Checking account. I then called on XXXX to request and was approved for a forbearance. Despite all of this, Navient still took out the money from my checking account. 

I am filing a complaint that Navient made unauthorized charges to my checking account despite my actions to stop the payments. I have to have my bank do an investigation so I can get my funds returned to me, and now I do n't have enough money to pay my mortgage tomorrow ....
I am being charged XXXX percent interest on a loan for expenses when my vehicle broke down. I am currently XXXX XXXX military.
TODAYS DATE:XX/XX/XXXX XXXX, XXXX XXXX SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX  XX/XX/XXXX XXXX XXXX UTILITIES/FUEL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX MISC Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( Experian ), and XXXX v. XXXX, XXXX et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
The credit bureau has illegally added a late payment for my closed XXXX XXXX credit card that was paid over two years ago. The account number is # XXXX and this account should not be reporting any new activity, it has been paid and closed. I am attaching a screenshot from an XX/XX/XXXX credit report and a recent XX/XX/XXXX report I got from my mortgage broker. As you can see in the  screenshot I highlighted, the credit bureau added a 90+ late payment date of XX/XX/XXXX for my XXXX XXXX account. This is impossible since the date of last activity for the account was XX/XX/XXXX and it is a closed account. Under the Fair Credit Reporting Act Section 605 ( c ), it is a violation for a creditor and credit bureau to try and " re-age '' an account by updating the date of last activity. I need this XX/XX/XXXX 90+ late payment to be deleted immediately as it is inaccurate and incorrect reporting.
I 'm dissatisfied that Bank of America is charging me {$5.00} to replace a defective debit card they forced on me with the " enhanced chip technology. '' The chips are so fragile that unless you keep each card protected in a silk sleeve, locked up in a safe deposit box 3 stories underground with an armed guard, it 's not going to last. Every checkout person I 've talked to says it 's incredibly common, so I know Bank of America is replacing countless debit and credit cards for their customers due to defective technology, but instead of doing the right thing for the customer and replacing the card for free, they charge {$5.00} and leave the customer with the impression that it must be our fault. Sure, it 's the customer 's fault. Is that the brand Bank of America wants to promote?
Keeps showing late payments history. XXXX/Motolease LLC will take it off one month and the next month it will appear back on my credit report