WillisBack/dataset-financial-user-claim huggingface dataset:
I have filed a previous complaint # XXXX. I was instructed to take the vehicle to XXXX for a diagnostic which I did. More problems were discovered, such as the ball joints and all the rust and MOLD on the inside of the vehicle which proves our claim it has been under water or water filled up the inside of the vehicle. The steel inside of the seats are COMPLETELY rusted!!!! I am being told that now they ( Drivetime ) are waiting on estimates to repair this. I told them I am not paying for anymore repairs ESPECIALLY when it confirms that this vehicle has been in water and is damaged which confirms why there have been so many repairs within the year! I had to pay for the diagnosis which I do not think is fair because they made me take it to them. I WANT MY MONEY BACK THAT I PAID IN MY DOWN PAYMENT, PAYMENTS, AND REPAIR COSTS!!!! I DO NOT WANT ANOTHER VEHICLE FROM THEM BECAUSE THEY DO NOT CONDUCT HONEST BUSINESS! They are continuing to give me the run around. And XXXX XXXX told me that Drivetime instructed them to send them a cost for repair but the advised them they do not repair interior. So they then ask for outside estimates. Why would we want a vehicle that has interior water damage???? That proves its been in water, we do not want this lemon!
So around XX/XX/2018 i deposited {$500.00} in cash and a check of {$2500.00} at a Chase ATM. 

First I put in the check, then the cash and the ATM said there was an error so it didnt print a receipt, nor was the cash and check dispensed back to me. 
I decided to check my Chase app and didnt see any of the deposits, instantly parked and went inside to file a claim with the manager. 
After a few days, they reported that the technician found the check and it was deposited correctly but that there wasnt {$500.00} in surplus so they didnt credit my account. 

I know for a fact I had deposited the {$500.00} in cash, so the ATM May have spat out the money afterwards. I requested to view the ATM footage so that they could see me physically inserting the money into the ATM and they said they couldnt show it to me. 

My claim with Chase was # XXXX
Received a credit report from apartments i was applying too. Showed XXXX delinquent accounts which XXXX of them was paid in full, then the other by the same bank, was never opened. I tried calling and all i get is a automated system. Then if i get a person its XXXX, and she transfers me back to automated system
Mortgage Servicing Fraud False fraudulent statements by XXXX XXXX and XXXX XXXX Not sure why Suntrust would employ XXXX fraudsters in the banking business to deal with issues of this nature - XXXX employees that constantly provide written falsified evidence even in contradiction with the Suntrust statements - maybe they believe that the borrower has No original receipt or statements? Well No such LUCK! 

Suntrust employees providing falsified written evidence about the time line when payments were received -letters do not correspond the statements or payment receipt. 
This will only address the late fees charged by SunTrust for the XX/XX/XXXX, XXXX & XX/XX/XXXX payments@XXXX which were made on time and also reported delinquent to the CRA 's. 
The borrower was charged late fees for these on time payments ( see attached letter ) Suntrust XXXX XXXX after her investigation states that : - XX/XX/XXXX payment was received XX/XX/XXXX ( see letter ) when infact it was XX/XX/XXXX according to statement & payment receipt. 
- XX/XX/XXXX payment was received XXXX ( see letter ) XXXX when in fact it was XX/XX/XXXX according to statement & payment receipt. 
-XX/XX/XXXX payment was made XX/XX/XXXX ( see letter ) XXXX when in fact it was XX/XX/XXXX according to statement & payment receipt. 
By concealing the time line of these made payments Suntrust will try to conceal & justify {$280.00} charged for late fees. 
The late fees charged for XX/XX/XXXX through XX/XX/XXXX for all on time payments will also be addressed a total of {$920.00} ( including the above {$280.00} ). 
It took years to gather evidence against these XXXX individuals ( some of the responses are letters addressed to my CPA )
At XXXX I received a call from a woman at Simon 's Agency Inc. based in XXXX, NY. She did not provide her name and said that the debt they were attempting to collect was for a doctor 's bill. When I pressed her for information on who was claiming the debt, she would not give it to me. I asked for a copy of the bill and she said she was not allowed to provide it. I asked her for contact information for the person claiming the debt and she would not provide it. When I got upset and questioned the legitimacy of her claim, she told me that if I did not change my attitude she would report it to the credit rating agencies. I called the hospital and XXXX billing services that the hospital recommended -- all said my bills were paid. I called back to Simon 's Agency and the gentlemen who answered the call, who also did not identify himself, said he could not provide any other information to me and said I should call my insurance company. He said that they would know who the debt was owed to. When I explained that I had a right to know who was claiming the debt, he said " seems like you are afraid to call your insurance company. ''
I have XXXX credit cards issued by the Bank of America. I have had them for several years. I set up an auto pay to cover the minimum balance in XXXX but I did not owe any money so the auto pay were refunded to me. XXXX XXXX I started carrying a balance on these cards. Today I noticed that I was being charged a late fee of XXXX dollars even though I have an auto pay set up on both of these account. I called the company and discovered that I have been being charged these fees since my XXXX statement. The auto pay was coming out each month on the XXXX day of the month but my due date was the XXXX day. 
I did not pay attention to my statements every month so I did not notice the charges and call the company until today. I thought it would be a simple matter to get this corrected and get a refund. 
Not only did Bank of America refuse to refund my money they did not tell me how to make my auto pay date and my due date the same to correct future errors. I feel that I have been cheated. The woman I spoke to XXXX XXXX told me this was my fault and my fault alone because I did not pay attention to my statements. She refused to refund me any money even for the XXXX late fee because the fee was due yesterday. Can you help me? I feel that Bank of America knew that my auto pays were coming out of my bank after my due date for many months and that we are equally to blame therefore they should accommodate me by crediting some of the late fees. They do get there payment every month via an auto pay system that even XXXX admits is antiquated and confusing. XXXX apologized profusely " for the inconvenience '' but refused to return any money or even tell me how to avoid this in the future.
I keep getting threatening and rude phone calls from XXXX XXXX XXXX phone number XXXX regarding a debt I do not owe. They 've threatened to have me arrested, but refuse to send me a statement that I owe anything in the mail. They have my SS #, but wrong address.
Home Bridge is reporting a 30 day late to my credit report. They have admitted that they were wrong in charging me this late fee and sent me a letter saying that they would refund the late fee that I was charged. That was back in XXXX and they still have yet to send me the refund. 

Furthermore they can not say that they will send a refund for the late payment and continue to post a 30 day late to my reports. This company is terrible to work with and I have been trying to be routed to the correct person to fix this since it happen back in XXXX of this year. They are damaging me by report this loan inaccurately.
I am writing this complaint on behalf of my mother. Someone secured my XXXX year old mother 's banking Capitol One Bank checking account and routing numbers ( and probably her social security number ) beginning XX/XX/XXXX. Beginning XX/XX/XXXX to XX/XX/XXXX some individual made a series of fraudulant Automatic Clearing House ( ACH ) credit and debit withdrawals and ACH '' bill pay '' through XXXX to for a total of {$44.00}, XXXX! The individual by the name of " XXXX XXXX '' routinely raided my mother 's checking account beginning with small amounts that escalated to large amounts from XX/XX/XXXX until the account was drained by XX/XX/XXXX. 

My mother recieved an overdraft notice on XX/XX/XXXX from Capital One, NA, ( located at XXXX XXXX XXXX, XXXX, MD XXXX ) indicating that her account was overdrawn for 10 days. In response to the letter from the bank my mother went to the bank in person. 

At that time she was asked a series of questions by several " fraud inverstigators '' from Capital One. They said that their investigation would take 10 days. Over the next several days my mother a number of attempts to contact the bank branch manager, XXXX XXXX XXXX by telephone. Each call was met with " we 'll take a messge for XXXX . XXXX. '' However, those calls were not returned. I decided it was paste time to visit the bank with my mother. XXXX XXXX printed out a list of ACH tranasctions We were assured my mother 's money would be restored after an investigation was completed. We then closed the old accounts ( bothe checking and savings ) and opened new ones. We signed up for online banking so that I could view and track her accpounts. 

On Satuarday, XXXX my mother recieved a letter from a XXXX XXXX XXXX which stated that my mother 's claim was " denied because the documentd from the Merchant showed that the ACH transactions were valid. '' I called the telephone number on the letter to discuss their " decision. '' I learned that the fraudlent ACH transaction were comitted through XXXX XXXX bank whose position was that the transaction were valid. Time after time ACH transaction were made to XXXX by XXXX XXXX By taking this position XXXX XXXX can essentially stops any furher invetsigation by Capitol One Bank. This is a sweetheart agreement for culpable banks which allows them to maintain no fraud to occur. It is as if neither bank contributed to the other 's negligence. A Capitol One Bank employee suggested that my mother authorized the use of her account. My mother never authorized anyone to access her accoun! Do these banks have any internal control in place to provent this type of fraud. Apparently not! Every step of our inquiry with well rehearsed pablum. So the bottom line is my mother money is simply NOT SAFE IN THIS BANK. I truly beleive that they were counting on confusing a XXXX year old woman. I firmly believe that these banks deny XXXX % of all claims valid or not. The bottom line is teh only thing they care about is money. it simply begins and ends with mantra.
In XXXX I had a phone with XXXX. They were bought out by XXXX wireless. My phone bill was always paid on time. when XXXX got the XXXX company my bill doubled. I went to the local XXXX store and disputed the amount. They could n't explain the charges just said it 's on the bill I would have to pay the charges. So I wrote them a letter cancelling my phone account. I was paying my bill a month I advance. This is always a practice when first getting a cell phone. You paid your deposit and the first month bill. My bill was the same every month based on the package I had purchased. Their was no data charges at this time, just roaming and I had unlimited roaming. I was current until I got that bill, which mean I was already paid up if I no longer used the phone. The other charges that was on that account they were charging me for was not mine. I told them that at that time when I disputed the charges. 
XXXX sold that account to Midland Funding LLC. who is now on my credit report. They are trying to collect a faulty debt through deception. XXXX did not give them all the evidence. Midland Funding LLC never did the basic check to determine weather I actually owe the debt. Midland Funding never sent me a copy of what XXXX had sold to them, so I could look it over. Mid Land Funding LLC just started trying to collect a allegedly debt. I did not know Midland Funding LLC was on my credit report until I reviewed it in XXXX/XXXX/XXXX. Information Midland Funding LLC reported to credit bureau, was Date open XXXX and XXXX XXXX with a balance of {$970.00}. Midland Funding LLC then reported again to the credit bureau on XXXX. This is I checked my credit report, I think they are trying to hurt my credit score and scare me into paying that bill. When I disputed this account back in XXXX the amount we was discussing was not near {$970.00}. In XXXX of XXXX the Consumer Finance Protection Bureau found XXXX guilty of third party billing ( cramming ) as far back as XXXX. On XXXX of XXXX, XXXX the Consumer Finance Protection Bureau found a collection agency XXXX for collecting millions taking consumers to court for the same practice. The Courts and the Consumer Finance Protection Bureau warned companies should think about liability. Because firms are in their names, filing and trying to collect things that are not accurate. I do n't even know this company and have never agreed to do business with them. I just started receiving bills from them this year. It only had the original Creditor name on it and the amount along with there information where to mail payment. It says we ca n't sue because of the age of the debt, but they will keep reporting it to the credit reporting agency as unpaid.
This complaint is about PayPal. I know that they had a settlement last year but wanted to alert you that they same issue that they were charged with then, just happened to me this past month. I 'd had a regular PayPal account that I used for years then suddenly this month, all of my regular purchases automatically went to a PayPal Credit account ( which I did not request or authorize ). I just contacted them, paid the balance on that account ( 1st time ever ) and closed the account ( I hope as they would not give me a confirmation number or e-mail ). Thanks for checking into this again, I 'm sure that this has some affect on my credit report, though hopefully not negative.
This Collection is incorrect and is not mine I do not owe and medical bills! I once disputed this and received a letter from the company that they sent it back to the original creditor and would be deleted off my report and shortly after it was taken off it was put right back on. I have submitted proof and they are still reporting which is causing my score to keep dropping every time they put it on there! It is reporting on XXXX  and Experian. 

This collection needs to be deleted immediately and they need to cease contact with me and my report as this is violation on their behalves.
XXXX XXXX XXXX and I have talked about how their representatives told me what I owed back in XXXX 2016 and after paying what they said I owed, they reported me 30/60/90 days late, knowing full well this was false. I was misled and now they are purposely reporting false information as some type of retaliation for what reason I have no idea. XXXX XXXX XXXX 's customer service is horrible and they are misleading credit agencies by using all the reporting agencies to punish me for something I did based on what THEY told me to do. It makes no sense!
Unable to log in as 2FA code was lost. Filed initial ticket on XXXX XXXX 2017. Case ID # XXXX. 

Issue still not resolved. Keep on receiving the same automated responses and instructions, despite me continually telling them that they do n't apply in my case. 

4 days sometimes goes by with no communication. Unable to access my account and funds.
On the XXXX/XXXX/16 this number ( XXXX ) called both my home number, and cell phone and left a message on my cell, instructing me to call XXXX, ref # XXXX regarding an attempt to collect a debt. The number XXXX has also been calling my cell, also. I do not have any overdue debts ; all of my payments are current, and I verified this with my credit report. I am thinking this may be in regards to my son, who does have some outstanding debt.
On XX/XX/2018 after documenting complaint # XXXX with the XXXX XXXX XXXX XXXX ; I received a letter from Select Portfolio Servicing , Inc . Proceeding to correct errors in my account, Select Portfolio Servicing , Inc. would be waiving late fees in the amount of {$1000.00} as of XX/XX/XXXX and I would see the update in my next monthly statement. 
As of the date of the letter the amount of my monthly bill was due for XXXX. 
On XX/XX/2018 I received another letter that was confusing. I have been paying {$930.00} for years and this letter stated that after they increased my payments to {$980.00} Select Portfolio Servicing , Inc. would be lowering these payments to {$940.00}. But how does that benefit me??? 
The letter also stated that Select Portfolio Servicing , Inc. did indeed over pay the property taxes. I explained that I have always paid them myself. But Select Portfolio Servicing, Inc. paid them anyway, In error, and now there is a big credit in my property tax account. 
Also on XX/XX/2018 I received a second letter that stated that I had no home owners insurance although I do. 
Shortly after the home owners insurance company attempted to cancel my insurance. 
Blessed, I have continued with home owners insurance without any lapse. 
More recently, I received a billing statement from Select Portfolio Servicing , Inc. that reflects an increase in fees and an additional sum of {$61.00} that I know nothing about along with an incorrect amount of total payments. 
If in XXXX Select Portfolio Servicing stated that I owed for XXXX. why does this billing statement reflect over 3 months behind? 
And why am I after all this time still paying 5 % or more interest when every other company is advising me that I should be charged 3 % or lower?
Both the credit bureau and the furnisher of information are legally obligated to investigate your dispute. FDCPA PENN CREDIT Reported on XX/XX/XXXX Original Creditor Name XXXX PP L {$1700.00} XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX   Result : Verified As Accurate and Updated - It looks like this item is actually correct and that it's going to stay on your credit report, but info has been updated to reflect recent activity. 
Dispute Reason Ownership : I have no knowledge of this account. 
Dispute Results From XXXX : XXXX received your request on XX/XX/XXXX and completed their investigation on XX/XX/XXXX. Please review the results carefully. 
If you're not satisfied with these results you can go to XXXX 's site and submit a Request for Investigation. You'll be able to attach supporting documents to your dispute and ask XXXX to add an explanatory statement to your credit report. 
When contacting XXXX, provide your current file number : XXXX. Mail : XXXX  XXXXXXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX Phone : XXXX
William, Rush, and Associates contacted me about someone elses account. They have left frequent messages and the debt does not involve me in any way.
On the morning of XXXX XXXX, 2016 ( this morning ), I pulled my Experian credit report and noticed yet another trade line ( collection ) that is reporting on my credit due to fraud/identity theft. I recently submitted a claim with the CFPB on XXXX XXXX and Experian has continued to be diligent in the process of removing false and fraudulent information reporting on my credit file. At this juncture, I would like to add yet another item to be disputed as Fraud. It is actively reporting on my credit under the name of XXXX XXXX XXXX to which is not my name XXXX XXXX XXXX XXXX XXXX. The collection company is XXXX. XXXX XXXX with them representing the creditor of origin XXXX XXXX XXXX. I have attached AGAIN the necessary documents to prove my identity.
In XXXX, 2014, I disputed a number of accounts for my husband and myself against my Experian credit report. I also provided documentation to support my request. I received a notice that the dispute was received form the bureau. However, the items remain on my and my spouses report with no change. 

Since XXXX, 2014, I have submitted online disputes to no avail.
Each month I schedule my Bank of America Credit card payment to be " delivered by '' the due date. For the past 2 months now, they have been charging me a late fee since their system is still processing the payment. If I do not call they will not refund me the fee which ends up costing me time from being able to work or spend time with my family. I am asking that this you instructed Bank of America to stop this practice as they may be collecting fees from people who do not realize for example many seniors.
On the morning of Sunday, XX/XX/XXXX, we went to the US Bank drive through ATM located at the US Bank, XXXX branch at XXXX XXXX XXXX XXXX, XXXX, IA XXXX. We needed to withdraw {$300.00} cash as my daughter was leaving that morning for Minnesota for school and this was to pay for her gas, food, etc. I bank with XXXX, an online banking corporation, and US Bank does not charge a fee for using their ATM. When the money was supposed to be dispensed from the machine, the machine started making a cranking noise like it was either jammed or broke ; however, no cash was dispensed. My husband cancelled the transaction and got my debit card back. However, the {$300.00} withdrawl was now showing pending to my bank account and I had not received the {$300.00}. We went into the XXXX store courtesy desk and was advised that the bank would open that day at XXXX XXXX and that they had no access to the ATM to help. So, once the bank opened we were able to speak with the branch manager, XXXX XXXX. XXXX said that he would submit a claim for the ATM funds. Shortly after returning home, XXXX called us to advise he was told by US Bank that since we are not account holders there, they are unable to assist us directly in getting our funds ( even though it is their ATM and the cash was stuck in THEIR machine ). XXXX said we would need to file a dispute with my bank, XXXX to get the funds returned. I called XXXX and they stated that until the funds go from pending to posted, they ca n't submit a dispute. They stated once the funds posted to my account to call back and they could process the dispute. The US Bank transaction posted on XX/XX/XXXX to my account. So, I filed the dispute immediately. It is now XX/XX/XXXX and I STILL do not have my {$300.00} returned to me. I had to go to another ATM on that same day and withdraw another {$300.00} PLUS fees just so my daughter could go back to school. This has negatively impacted my credit as I am not short {$300.00} plus additional fees I have had to pay for taking out funds from another ATM that day. I want action on this immediately. XXXX XXXX continues to state that it is being investigated and US Bank continues to state that they ca n't help me since I am not their customer. Please assist in getting these funds returned to me immediately. Somewhere, US Bank is sitting on MY {$300.00} cash and they do n't seem at all interested in returning it to me in a timely manner. I am sure if the tables were turned and I owed THEM {$300.00} they would be charging me fees, interest and damaging my credit history with reporting it.
I got a letter - after closing COMPLETELY about 1 year ago - that said I was delinquent on my loan. This could not be possible bc I closed at a Title company and got a payoff confirmation. The letter came from someone who is posing as US Bank at XXXX.