WillisBack/dataset-financial-user-claim huggingface dataset:
Hello I 'm concerned Father, To start out on XX/XX/XXXX our XXXX year old son was diagnosed with XXXX XXXX, my wife has been off work since that day to be by his side and take care of him and get him back and forth to his appointments while I have been taking care of his XXXX brothers, and try to continue to work in XX/XX/XXXX my work went down to four days which put that much more stress on us.Around XX/XX/XXXX my wife met with a social worker at XXXX XXXX 's hospital and she was able to help us with a couple of bills through a foundation they have for families with kids that have XXXX. She got the papers summited to the XXXX XXXX the following week. I was having the check from the XXXX XXXX sent to Penny Mac where my house is financed and I emailed them on XX/XX/XXXX and told them the situation and how I wanted the money to be applied to my mortgage payment.The check from XXXX XXXX 's hospital was for XXXX and I wanted all of XX/XX/XXXX payment made which was XXXX and the other XXXX applied to XX/XX/XXXX payment and I would send the other part of XX/XX/XXXX maybe by then work would be picked back up. Penny Mac emailed me back on XX/XX/XXXX telling me they would do as I requested, I emailed them again on  XX/XX/XXXX and ask if they had received the check they emailed me back on XX/XX/XXXX and said they have n't received it emailed them again on XX/XX/XXXX and they returned my email on XX/XX/XXXX that they still have n't received the check I emailed them again on XX/XX/XXXX and still they are telling me there is no check on XX/XX/XXXX they emailed me and told me a payment was made but they held it out of my checking account there was still no check. I emailed social worker at XXXX XXXX 's hospital and she got in touch with the XXXX XXXX and they was showing that Penny Mac had cashed the check from XXXX XXXX 's hospital on XX/XX/XXXX but I 'm still told they have n't received it. I was trying to do the right thing and make sure my house payment got paid and we did n't get behind or lose our home but Penny Mac still withdrew my payment from my checking when I really did n't have enough in there for them to do that and still have enough to live on. I am still wanting to know where the XXXX check is and want it applied to XX/XX/XXXX payment and part of XX/XX/XXXX please help my family out with this. I will try to send the copies of the emails and check
I received a call in XXXX from HSBC collection regarding a charge I did not make. I have not used this card for over a year and it has a zero balance. There is an unauthorized charge on the card and I reported this to the HSBC Fraud division. I have a notice from HSBC dated XXXX XXXX, 2016 informing me of a data breach and the charge took place XXXX XXXX, 2016. HSBC security is denying my claim based on the charge taking place within 20 miles of my home. It is unclear to me what distance has to do with fraud. They have requested a police report to re-open their investigation, I filed and received the report that was submitted to HSBC. They continue to deny my claim. This is XXXX unprofessional and fraudulent on the part of HSBC in protecting my data and financial interests. I have requested they dismiss the charge, interest and penalty and they continue to refuse.
Ncb called me the other week stating that I owed them some much money but I do not owe that amout they sent me documents but there wrong documents um
This is a follow-up to my previous complaint.   Consumer Financial Protection Bureau  ( CFPB )  :  XXXX  Ditech Financial LLC Account Number :  XXXX   Ditech  stated in there letter dated  XXXX   XXXX ,   XXXX   : Our records show, however, a new advance was assessed to your account on  XXXX   XXXX ,   XXXX  . This new fee, in the amount of {$29.00}, was assessed due to the delinquent status of your account. As servicer of your loan, we are obligated to protect the investors interest in property if an account becomes delinquent, thus an external property inspection was performed to determine the occupancy status. Please note that your  XXXX    XXXX   payment was due  XXXX   XXXX ,   XXXX  , but did not post to your account until  XXXX   XXXX ,   XXXX  .     This is an inaccurate statement as I have enclosed documentation from my bank showing when the funds were electronically with-drawn from my account, ( for  XXXX    XXXX   payment ) which was withdrawn on  XXXX   XXXX    XXXX  , instead of  XXXX   XXXX ,   XXXX   as stated in the above response from  Ditech.
I have a Bank of America credit card. Somehow I was under the impression my card due date is on the 20th of each month. At least that 's what they told me when they opened the card. 

Everything started on XXXX/XXXX/XXXX. I am checking my account balances every day, and 1st time in the history of being BofA customer saw the Reminder that my account is overdue ( attached ). 

I had some accumulated cash rewards and decided to transfer them towards the statement credit on XXXX/XXXX/XXXX. After noticing {$38.00} late charge, I contacted BofA to find out why they charge me a late fee. Customer service associate told me that I was making my payments late every month. I got a surprise and told her that I was under the impression that my payment was due on the 20th of each month and all my payments were paid between 16 to 19 of the month. I did n't pay attention to the billing statement because I never received any notifications whatsoever ( mobile app, email, text, etc. ) I asked to speak to the supervisor and was under the impression that he will able to wave the late fee. The person name was XXXX from XXXX ( ID XXXX ). He was very rude and disrespectful and did n't ever let me speak and explain him and made fill like I commit a crime. He did not even bother to conduct researches and said that the best he can do is to change the due date. When I told him that my due date was on the 20th and someone probably made a mistake, he just replied that it was a long time ago and there is no way to verify. 

After I hang up the phone, immediately conducted online research, and find out that I am not the only victim of Bank of America late charge scam.
on XXXX of this year a sent MEDICAL DATA SYSTEMS D/B/A XXXX XXXX XXXX XXXX, FL XXXX a Dispute letter they responded on XXXX XXXX of 2017 Confirming they can not locate an account/s with the information provided on my Dispute Letter, FEDERAL LAW requires that only Accurate And Verifiable Information be Reported to a persons credit file MEDICAL DATA SYSTEMS can not Locate the Information on account/s being reported by them on my credit file i provided them with the EXACT SAME INFORMATION they are reporting to the credit Bureaus and if they can not locate and verify this information they are clearly IN VIOLATION OF FEDERAL LAW please see attached response letter from MEDICAL DATA SYSTEMS confirming THEY CAN NOT LOCATE INFORMATION BEING REPORTED BY THEM TO MY CREDIT FILE
This company is illegally attempting to collect a debt for a new vehicle that was a lemon. Dealer lied about after market parts stating front foot rest could be moved to mids to sell bike in middle of winter while I was dealing with XXXX after telling dealer I just attended my cousin funeral they used deception and fraud to con me. The bike never started before purchase and dealer promised to put in new battery, they didnt. Bike was delivered and still does not start. Bike has had oil light of since day one and it was a brand new motorcycle. Dealer knew Im a new rider knowing nothing about motorcycles they delivered bike with oil missing to damage motor an attempt to get more money from me. Dealership is XXXX and has cars with confederate flags out front and they discriminated against me during this purchase. Dealer unlawfully added price of helmet, XXXX, jacket and put funds on get gift but charged price into loan to make price of bike higher then suggested msrp. This is a lemon vehicle under Missouri law and dealer has cheated me out of thousands of dollars and ruined my credit report! They stated they wanted {$9700.00} first to settle then collections changed amount to {$11000.00}, constar should be called con artist.
The three ( 3 ) major Credit Reporting Companies claimed that the reason ( s ) why my Credit Score was low is " due to the length of times that open accounts have been active and the number of times lenders accessed your Credit report because you applied for Credit or for a Loan ''. This can not be correct or the complete reason for the low Credit Score. I have had open accounts for more than 24 months without ever making a late payment without just cause and regarding the amount of Credit Inquiries once I share my Social Security Number with a company I have no control over the amount of times they request my Credit History information for whatever reason ( s )  or who they share the Social Security Number with. The Credit Score should be based on the number of accounts, the way the accounts are being managed and the feedback that 's offered by the grantors.
Please remove the following fraudulent inquiries from my TransUnion Credit report : XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXX  XXXX XX/XX/2017 XXXX/XXXX XXXXXX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XX/XX/2017
On  XXXX   XXXX  I was charged a huge overdraft fee despite having opted out of " overdraft protection '' which is a creative euphemism for being able to charge exorbitant fees for a coffee accidentally put on the wrong card.
I filed a chapter XXXX bankruptcy on the XXXX XX/XX/2018 and got a discharge on XX/XX/XXXX, throughout the discharge proceeding I was getting calls and letters from this company and constantly harassing me about repossessing the vehicle the entire time, they have someone calling me about picking up the vehicle every day, which I did, even after I got the discharge Im still getting letters and calls from this company saying I have a balance, and it still showing on my credit report as a open account with a balance. Ive gotten so much letters like the envelope I attached about repossessing the vehicle even after I handed over the vehicle to the recovery company they have harassing me.
I had an account in 2008 with XXXX and before leaving I paid and return and necessary equipment and now they are saying I owe them a bill. I do not owe them when I left the company I had a zero balance and they waited until now to report this inaccurate information on my credit file.
I have several issues with my credit report as follows : 1. They show a former address of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. I have never lived at this address. My former spouse moved to this address beginning sometime around XX/XX/XXXX during our divorce which was finalized in XX/XX/XXXX in XXXX County, TX. 
2. Derogatory information is shown on my report by XXXX XXXX XXXX which was a joint account when I was married. The account went to my former spouse during our divorce. That account was included by my attorney when I filed for Chapter XXXX, even though no balance was outstanding against me since it still showed on my credit report and my former spouse has a habit of not paying her bills on time. It would seem that any information related to it should be removed from my record since I owed them nothing at the time and I was removed from the account in XX/XX/XXXX/XX/XX/XXXX. 
3. I have been employed by The XXXX XXXX XXXX XXXX, MD since XX/XX/XXXX with a substantial gross salary as a XXXX XXXX XXXX. 
4. I do n't know if this is relevant, but I also have an IRA and a brokerage investment account with XXXX containing substantial assets plus a 401k through The XXXX XXXX, all containing substantial assets.
In XX/XX/2016, I financed a vehicle with XXXX XXXX of XXXX. At financing, I opted to take the gap coverage. I am attaching a copy of my sales contract that clearly shows that the XXXX XXXX  was included at the time of financing. Unfortunately, a few months later, and accident occurred that totaled the vehicle. My standard auto insurance funded a claim, but as expected, the amount they paid was shy of the total left on the finance contract. This is where the gap insurance I opted for should have covered me. I have made repeated calls and visits to the dealership and XXXX XXXX about this matter, but they refuse to process my claim. The Nissan dealership, nor XXXX XXXX, does nothing to help me process my gap coverage claim. Instead, all they seem to be able to do is report that I have a {$10000.00} collection balance with their organization on my credit report ; despite the Gap coverage.
XX/XX/2018 Shermeta Law Group XXXX. XXXX  XXXX XXXX, MI XXXX ( XXXX ) Attention : XXXX XXXX XXXX Shermeta Law Group Chief Compliance Officer Reference to : CFPB Complaints # XXXX # XXXX # XXXX plus This complaint! 
plus Attached 4 documents to this Complaint. 

As of XX/XX/2018 I have yet to receive the refund check that Shermeta Law Group has several times now has stated that the refund check " has been placed in the mail '' as agreed, but has failed to actually comply with! 

Letter of XX/XX/2018 states a refund has been issued on XX/XX/2018! As I have informed you that I have not received this refund and the address listed on this letter is almost 2 years old and the home has been foreclosed and vacant for the past year! 

Letter of XX/XX/2018 then states that a refund was issued on XX/XX/2018! Again I informed Shermeta Law Group via email on XX/XX/2018 that I have not received the refund and also due to a change of address error with the USPS that all mail is being forwarded to my son 's home! Since every piece of mail received from Shermeta Law Group has been with the USPS service of " Return Receipt Requested '' this mailing would have been returned to the sender! 

Also, an email sent to Shermeta Law Group general email along with an email to XXXX XXXX, the Chief Compliance Officer, both on XX/XX/2018. To which there has not been any response from either Shermeta Law Group or the Chief Compliance Officer, even though I requested them to email me a response. 

I also subscribe to the USPS Informed Delivery Service that emails me a photo of all first class and traceable items each day, in either case no such mailing has been recorded from Shermeta Law Group. 
It's now been 46 days and 4 Consumer Financial Protection Bureau ( CFPB ) complaints and still do not have Shermeta Law Group 's refund as stated they would provide in CFPB complaint # XXXX response XX/XX/2018 and their letter if XX/XX/2018! Also CFPB complaint # XXXX response XX/XX/2018 and their corresponding letter. 

It's apparent that Shermeta Law Group has not actually mailed a refund check for this issue since ALL other correspondence has not had any problems being mailed and delivered in a couple of days. Yet after 7 weeks their refund check has seemed to consistently get " lost '' in the 40 miles or so journey to my mailing address! Why? 

RESOLUTION EXPECTED That a certified check in the agreed amount of {$520.00} USD be IMMEDIATELY mailed by certified mail with tracking or hand delivered to me! Sufficient notice and all tracking information be given prior to mailing for certified mail or sufficient notice for hand delivery. To ONLY this address! 

XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Also a photo copy of certified check and all delivery information be attached to Shermeta Law Group 's and Capital One 's response to this CFPB complaint.
I have a rush card and I lost my card and reordered a replacement card on XXXX/XXXX/15. I paid for the 2 day service for XXXX and was told my card would be here by XXXX/XXXX/15. When it did n't show up I tried to contact their customer service department and it took a day in a half to get thru to them. I spoke to a rep who guaranteed me I would receive it via overnight express thru XXXX and would receive by Friday XXXX/XXXX/15. Also I was told to call in the morning and get my tracking number and the fees would be waived. I called the entire next day and didnt get the until the evening and a diifernt rep told me that they do n't have an overnight service I would have to wait one to two more business days ( monXX/XX/2015 to receive my card and not only was the fee not waived I was charged twice for the service. Needless to da its kinda I received no card, cant get thru and now I have no way to feed my family which includes a XXXX year old and I 've had to miss work because of this. This is an unbelievable with no resolution in sight. The company is Rushcard services and there are literally thousands of us affected by this please do something. My name is XXXX XXXX
Equifax experineced a data breach. Using small print they are tricking people, victims of the breach, into arbitration.This is unacceptable. 

" Equifax is allowing people to sign up on its website for free identity theft protection and credit file monitoring following the disclosure Thursday of the data breach, which Equifax said was detected XXXX XXXX and affected 143 million consumers. 

But the credit monitoring service, through an Equifax company called Trusted ID, has a provision that limits liability to the company, and consumers who sign up for what is billed as a free service will be charged for it after a one-year trial period if they do n't call the company to cancel their subscription. 

The provisions, buried in the fine print of Trusted ID 's terms of service, added to confusion on Friday about how much help consumers are being offered. In a broader set of terms on Equifax 's website, visitors are told they must accept certain terms, including arbitration, before being permitted to register for and purchase any product from its site. 

" You also agree to be bound by this agreement by using or paying for our products or taking other actions that indicate acceptance of this agreement, '' it says. 

TrustedID 's terms also include this mandatory arbitration provision '' Source XXXX
I received a call from E.R.C. on my cell phone. They were trying to collect a debt from XXXX XXXX from XX/XX/XXXX. This account was paid in full. They had my name and mailing address, and even told me a balance due. I told them I would call back. 

Upon returning their call, they asked for my social, which I refused to give out over the phone. They then told me that they could not discuss my account without my social security number. I told them to stop calling me if they could not discuss my account without information that could be verified without personally identifiable information. I have never received a letter, reference number, or any further correspondence until today ( XX/XX/XXXX ). 

I have researched the company online, and there are numerous complaints regarding their questionable practices. 

The number from which they contacted me : XXXX ( XXXX XXXX XXXX, USA
I have never had a loan with XXXX, however XXXX is reporting negative loan information on my Experian credit report. I have repeatedly filed disputes with Experian and they keep telling me they have verified that this mortgage loan is mine. I 've even asked XXXX to show me the loan origination papers that I signed if this is my loan, but I have not received any response from them. I have tried to file another dispute with Experian, but I 'm told I can not fie another dispute, since I have previously filed a dispute in the past with them. I asked them why, and their response was : I could file another dispute, if I had additional documentation. Well, I do n't have additional documentation because there 's not any additional documentation to provide ... .It 's simply not my loan! Please contact Experian and advise them to delete this negative information off of my Experian credit report. The account in question is showing on my Experian credit report as : XXXX XXXX XXXX XXXX # XXXX
I have disputed this debt that I do not owe with a company named Optima Recovery Services. I have filed several disputes with Experian and they have yet to correct the derogatory information on my credit file.
I am a victim of identity theft and the recent Equifax data breach. Equifax put a fraudulent and unauthorized account from XXXX XXXX XXXX that Equifax previously deleted and permanently blocked from my credit report. The following accounts are fraudulent, unauthorized and dont belong to me : XXXXXXXX XXXX XXXX, XXXX XXXX and XXXXXXXX XXXX, these accounts are fraudulent and dont belong to me. The are not my accounts.
We check our balance on XX/XX/XXXX and it had {$240.00} on the account we made some food transactions that were deducted. We checked the balance same day and made a deposit for {$300.00} on XX/XX/XXXX. We have attached our deposit slip. After that deposit we made a payment for car payment.
Amazon Prime s ent me on  XXXX   XXXX  an renewal membership online for its product offering this credit card through Chase Bank I remember that I had this membership closed it on  XXXX  for the same reason I did not want it and I would cancel This Service a year ago and I told them no to offer it me anymore For some reason maybe my misunderstanding online They did renew it again my membership that I did not authorize, I called to Chase Credit card on mids of  XXXX   XXXX , They told me that I Dont worry about it, that I Have to call Amazon to Let them know and They were going to solve it all, I did talk to them again as per today  XXXX  and They said that I Have to file a dispute on writing even I said to them that operation has never had my permission That is why I am filing this complaint
This compalint is about XXXX services. I discontinued by TV/Phone/Internet services with XXXX in XXXX of 2015. I had enrolled on auto debit for all payments for this service from my checking account. No one informed me that I have to pay the last amount " by check '' and that they will not auto debit from my checking account. I never received any kind of invoice or notification from XXXX stating I am to pay this amount directly by check. I was out of the country for 3 weeks and when I returned, I saw a letter from a collection company stating that I did not pay XXXX $ a and that it has been reported to the credit monitoring companies. I immediately called XXXX and made the payment. 
On checking my credit, I realized taht it shows a major diliquincy of XXXX $ on account of this payment. I called the credit companies, and they said that I need to talk with XXXX. I talked with veruizon adn they asked me to talk with the collection agency and the collection agency asked me to call XXXX back. I disputed all the charges with the credit companies and nothing worked. My credit has taken a hit because of this. XXXX credit companies, I have credit scope XXXX and XXXX I have a score of XXXX. 
I have always paid bills on time, and I feel that I was wronged here : 1. I was not notified by XXXX that I had to pay it directly and they will not debit from my bank account 2. They send the notifications while I was out of country and did not allow any grace period before informind the credit companies 3. The creidt companies were not willing to consider my case. This record will be on my history for 7 years 4. For being so methodicaly and on time with ALL my payments, I feel that a payment of XXXX $ should affect my credit in such a way ... .even with valid reasons why I did not pay on time. 
Now when I am trying to refinance my home to pay it off early - from XXXX years, I am not getting very favorable rates and teh mortgage company is saying that I only have a fair credit score. 
I plead that someone take some action on such companies who trouble consumers. Upon checking internet, I see lots of complaints regarding XXXX for the same terms.