WillisBack/dataset-financial-user-claim huggingface dataset:
I submitted a claim with Bank of America regarding a dispute. The claim ID is XXXX. The issue I had was originally with XXXX 's, where I purchased {$450.00} worth of window treatments that turned out to be defective. I tried to return the window treatments to the store ( as was advertised ) and then through customer service three times. Eventually I gave up a decided to dispute the charges with Bank of America. I submitted the paperwork on time, and completely, but my claim was denied. 

I tried calling the claims department three times. The first time I gave up after being on hold for about an hour. The second time I connected after 30 minutes and got hung up on, and the third time I waited 30 minutes, the person agreed that I should not have been denied, but then transferred me, where I waited for 40 more minutes before I had to leave and gave up. 


It seems that they are intentionally not staffing their claims department adequately, and I'm not sure what else to do at this point. The notice I got denying my claim was not clear at all, but I don't seem to be able to talk to anyone.
There were unauthorized transactions worth of XXXX grand and I was only notified once by the bank and their fraud department upon calling and speaking with the fraud department at TD Bank they said my card and account would be completely closed until the dispute was finalized. My dispute was denied because I was informed it was pin based meaning the suspect used my pin and account info along with personal information to do money orders. As soon as I found out I put a fraud alert on my accounts and attempted to reach out to the local police as well as making a complaint with the FTC. Now the bank is saying my account will go to collections and I have to pay them back XXXX grand.
After successfully completing my adult education and securing a career that allows a salary to begin paying back my school loan debt to the Dept. of Education, I shared a long call with the collection client handling my account with the Dept. of Edu., named Immediate Credit Recovery , Inc. During the call, I was able to secure a monthly payment plan of {$500.00} on the correct amount of debt owed of {$57000.00}. 
On both the government letterhead and the collection company 's letterhead, this is the correct amount shown as due and to be collected. All seemed great, now. I had talked with them, worked out and began paying on the re-payment plan, and was so happy to have the better career and paying back what was borrowed. 
Then, in XX/XX/XXXX, the collection agency sends a new letterhead with an unexplained new amount due, {$68000.00}. No explanations, just quietly changed the amount due to a nearly {$14000.00} extra profit on their part. I called and talked with a person with the collection complaint department for my state, and he carefully explained that unethical collectors will, sometimes, change the amount due. The idea is that since the agreement has been made, most people just stay locked into making their payments and forget about the loan. I saw a XXXX XXXX episode, where he said the same thing. He implored people to save every piece of writing from collection companies and compare for changes. He and the person from the state were right. I was happy n content that I had an agreement and was making payments as planned. But, luckily, I looked at the statement, and without notification or explanation, they added {$16000.00} +/-. 
I have all documentation from the Dept. of Education to show the correct amount due, and from the collection agency, that showed the correct amount then the increased amount, too. All on letterhead from the company. 
I was so proud to have been successfully paying on a target debt amount and watching it go down. Now, such devious behavior that was mentioned on XXXX XXXX show and by the state dept. of consumer affairs has happened to me. I 'm proud to have used my school loans to better my career and to have begun faithfully paying it back. But, such changing of numbers has hurt my encouragement. Just like the XXXX unethical changing of numbers and overcharging, Immediate Credit Recovery has had many complaints filed with other states and agencies, as I learned from talking with them. Please help.
To Whom It Concern, I recently received a copy of my credit report ( XX/XX/2017 ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt, Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.
Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.
Thanking you,
XXXX XXXX calls me everyday to collect my daughter 's debt and I am willing to communicate with them. My daughter agreed and asked for something in writing. After this they continue to call but are changing their mind regarding the agreement. My daughter will not communicate with people because of her XXXX and they were willing to talk to me before. Now they are saying they spoke with her ( untrue ) and are telling me they know my name and where I live. To me this sounds like threats.
transaction occurred on my account that was fraud, amount XXXX and I called my bank " chase '' with in days matters and issued my claim and a day. later I was told because I log in my account and did not report right away they denied my claim and I 'm not able a refund! witch is crazy because it was not me
My name is XXXX XXXX XXXX ( XXXX ), and my wife 's name is XXXX XXXX XXXX ( XXXX ). We have worked hard and paid our taxes all of our lives. My wife XXXX and I have had a rough time for the past few years, health-wise and financially. We have tried repeatedly to get help for our situation. 

Over 2 years ago, we applied for a program called KEEP YOUR TENNESSEE HOME. We have been on the list until XX/XX/XXXX, when we were told they had run out of money. 

Next we tried the REVERSE MORTGAGE program. Although I am XXXX, we could not use this program as my wife is only XXXX. 

Then we turned to our banker WELLS FARGO for help. We do not make enough money to qualify for their REINSTATEMENT PROGRAM. Since I am recently laid off my job, I then applied for their UNEMPLOYMENT PROGRAM, but we make too much money for that one. 

I have just received a foreclosure notice on our house. I will need to give you some background so you can better understand how we got to our present situation. 

In XXXX, I fell victim to a disease called XXXX. I would suffer XXXX attacks of XXXX over the next 2 years. XXXX would disable me for several days. XXXX would require surgery. XXXX would hospitalize me and nearly kill me. This left me unable to work and on Social Security XXXX. 

About 30 years ago, XXXX came to a halt at a stop sign, but the car behind her did not. Since that time, she has had over XXXX XXXX, including XXXX total XXXX. She has been unable to work since, XXXX, XXXX. 

In XXXX, we took in a little boy named XXXX XXXX. He was XXXX years old at the time. His parents are drug addicts and are both in jail. XXXX is XXXX years old and we are in the process of getting legal custody of him as there is no one else to care for him. 

My wife applied for SOCIAL SECURITY XXXX over 2 years ago and we are now waiting to hear from a federal judge on this matter on XXXX XXXX. If all goes as our lawyer says, my wife should get her XXXX then and possibly 2 years back pay which should be more than enough to clear up our finances. The problem here is it looks like WELLS FARGO, and the foreclosure lawyers are not willing to wait that long. 

Our mortgage holder, Wells Fargo, has just notified us that they are about to begin the foreclosure process on our property. As you can see, we have had a few rough years and desperately need help. Any other advice or help you can give us in this matter would be deeply appreciated. Is there not anyway that we can get help on this? Please keep us in your prayers. 

Yours Truly, XXXX XXXX XXXX XXXX XXXX TN XXXX
I received a credit card from  Wells Fargo  on   XXXX   XXXX   with a credit limit of {$13000.00} in mine and my mothers name. Neither of us have requested this card. I understand  Wells Fargo  is in the middle of fraudulent hearings about these issues and they seem to still be practicing these horrific habits.     I will be reaching out to  Wells Fargo  but wanted to report this.
XX/XX/XXXX, spoke with XXXX - he reversed charges that were wrongly accrued. Brought balance owed to {$0.00}. Closed the account completely on that day. 
Received another statement - account was NOT closed. I called back on XX/XX/XXXX disputed the now new charges that accrued again. Spoke to XXXX, then XXXX and a XXXX - reversed charges again and got a confirmation # that account was closed and all issues resolved. Confirmation # XXXX. 
Received yet another bill for the account that should be closed. New charges once again have accrued. XX/XX/XXXX Tried calling in again explaining the account was closed now twice but yet still getting charges and fees. All while crushing my credit score because its showing I am not paying past due fees. Spoke to three gals, first XXXX hung up on me. Promptly called back spoke to XXXX ( ID : XXXX ) she said she couldn't help me. I asked to be transferred to a manager. Got XXXX, she said she can only " send 'it ' off '' can not do anything with the account.
I had paid off a loan on XX/XX/XXXX with a certified bank check. The bank check had a balance of {$18000.00} after the loan was paid, and this balance was to be returned to me after the check cleared. I received a letter from the bank on XX/XX/XXXX stating the loan was cleared, and a manager told me the check " was being cut '' and would be mailed out to me.I never received the check. I contacted the bank to inquire about the check on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX - and each time I was given a different story as to when the check was mailed. It has been over ( 4 ) weeks, and I still haven't been given a clear explanation as to where my refund is. I feel the employees are being less than honest as to the status of my refund.
Hello I am familiar with a lawsuit that you and Attorney General XXXX XXXX have made against Navient and XXXX XXXX and I would like a voice in this matter! I am one of the many students affected by the company Navient. 

I recently read the article on what you plan to do to these big loan companies. One of which I actually have student loans with and let me tell you they are n't pretty. I am XXXX years old and moved to XXXX in 2015 to attend the XXXX. I graduated XX/XX/XXXX, and I am still in New York pursing my XXXX career. I already have a XXXX and XXXX, but naturally I am struggling. To come here I took out the Parent Plus Loan. The first year my parents co-signed and the second year my now retired grandparents co-signed. I currently have {$80000.00} of student loan debt in my name. The funny part is that {$65000.00} of that debt is technically under my parents because they co-signed, and they are basing my payment plan on the {$70000.00} my dad makes in a year. But the kicker is that my parents are unable to help me pay my loans because they are caring for XXXX other children at home. So I am in this alone with a payment of {$480.00} every month for the next 25 years. That payment on top of {$770.00} for rent, {$110.00} for my monthly XXXX card, and {$100.00} a month for groceries. I am working XXXX jobs and having to sacrifice money for the student loan payment and rent out of my grocery money. The XXXX jobs are not cutting it and I might even have to get a XXXX. I have not time or effort to put into my career and it really makes me sad. I even went so far as setting up a XXXX account to see if I could wrangle up any kind of help. I hold an XXXX in XXXX. XXXX is my passion, the only thing I want to do and I barley have time to dedicate to it because I am working day and night just to have enough to survive life and the loan. I really want to be a part of what you are doing and have a voice in the matter. I want to be a part of this and maybe some relief for XXXX just like me can come of this. If you read this email PLEASE HELP. I ca n't do this alone anymore.
A few years back around 2010, my home was falling into foreclosure. While fighting this process with my lawyers, Ocwen assured me a {$40000.00} equity that was taken out on my home would be forgiven and they wrote it off as a " loss ''. Because of this I agreed to refinance with them to keep my home. When the deadline rolled around I felt immense pressure to sign the paper work to not lose my home. My loan was originally around {$230000.00} after everything was signed and finished my loan was now around {$270000.00}. They took what they said was a " loss '' and " forgiven '' and added it to my mortgage to have me pay back. I believe this to be unfair practice and possibly illegal, but my lawyers at the time were dragging their feet and not knowing of any other agency to help me, this fell on the back burner. Every month when I pay my mortgage it eats me up inside because I know its not right. I came across an article in the TIMES and know this is exactly what Ocwen is doing to everyone.
I seen Student Loan Forgiveness contact information, so I decided to call for Information. The representative informed me that my balance would go up with Naviet and I would have to pay an initial fee of XXXX. I wasnt interested, so we did not move forward. I now have them on my credit report saying that I owe them money as well as my original student loan company. Naviet needs to be removed off of my credit report all together. I didnt authorize them to do anything with my account
On Saturday, XXXX XXXX 2016, I ( a business ) opened an account and deposited cash and a cashier 's check ( {$300.00} in cash and {$2000.00} in check ). I asked the Wells Fargo representative ( XXXX XXXX ) that was helping me when the funds would be deposited. She told me they would be in the account by Wednesday, XXXX XXXX 2016. When Wednesday came, I checked the account only to find out that that there was a hold on my cashier 's check. {$200.00} were available on the XXXX ; however, the remainder would be available on the XXXX. I called the XXXX number and informed them ( I do not have that representative 's name ) of Regulation CC. She told me that I needed to talk to a branch manager and that she nor her supervisor could remove the hold. I went into the branch on XXXX XXXX 2016, and informed XXXX XXXX of this issue. She called the " back office '' and they stated that the remaining {$18000.00} would remain on hold until XXXX XXXX because my account was just recently opened. I shared with XXXX that this was against the law and she told me that this was not her job and there was nothing else she could do. She then forwarded me to her manager. When her manager ( XXXX XXXX ) came, XXXX told me that she could not remove the hold because back office sees things that she ca n't see. I informed her that I would be filing a complaint with the CFPB and the FDIC and she responded okay. She gave me a complaint phone number and also placed a ticket and escalated it. She told me that they would get back to me on Monday, XXXX XXXX. She also told me that Wells Fargo has the right to hold any check for as long as they see fit. I asked her if that included Cashier 's Checks that had been expressely defined as next-day available items in Reg CC. She responded " any check. '' When I left the branch, I called the complaint phone number. The gentleman on the phone also told me that any check can be placed on hold for 7 business days. I asked him if he also knew that this was against federal regulation. He responded that he had to go by Wells Fargo policy.
My bank consistently finds new ways to charge new fees. I am constantly checking my account because they attache fees that do not belong on my account and refuse to reimburse the fees and never give me a straight answer as to why the fees were applied even though my accounts are suppose to be exempt.
After graduating in XXXX with an XXXX, I had {$12000.00} in loans from XXXX. I was granted a year of forbearance while I looked for a job in the XXXX. Along the wy, I dived into enterpreneurship and tried o get a company off the ground with XXXX former XXXX classmates. Again.\, I approached XXXX XXXX for another forbearnce qwhile i tried to raise capital for a startup. I was out of work for two years. At the end of XXXX, I backed out of the startup company and worked at a XXXX company. My annual salary was {$17000.00} gross income.My XXXX XXXX account was taken over by a collection agency XXXX XXXX from Minnesota. XXXX told me that I had to pay off a reinstatement fee to avoid default. I called XXXX XXXX and they confirmed I was passed on to collection and that my account is now managed by XXXX. I followed through for ten months to payoff the reinstatement fees ( about {$1000.00} ) to avoid default ), then registered on the XXXX XXXX website to start making online payments and collect notifications via paperless. Upon opening the account, I see in red highlights that I had a minimum due of {$2000.00} + ( an accumulation of non-payments and late fees ). I was alarmed and upset that I was fooled to think that I could make minimum monthly payments of XXXX ( which is what I could afford with my cost of living situation ). Instead, I still owed a enormous payment and even deeper in debt. I wrote to XXXXNavient and sent an email for advice and help ; no response. I called and was put on hold for 10 minutes then lost contact. Sheer frustration and anxieties. I have lost hope and decided that I will pay what I can monthly and ignore the red highlighted minimum due of {$2000.00} in perpetuity, Navient now has taken over my account which has ballooned to about XXXX.Unlike Federal loans, I provided proof of income-depraved with my income tax returns to EdFinancial and have benefited on the Income Driven Repayment Plan. This made sense for people like me who want to pay based on the living wage, and not be penalized exorbitantly. The New York times article on NAVIENT lawsuit inspired me to tell my story and share the uphill daily struggle with financial institutions. I surely wish that there is hope for a solution.
XXXX XXXX XXXX is reporting a closed account as open. The account is a old account and should be removed. 
XXXX charged off this account back in XXXX XXXX 2015 and is reaging this account to show a negative account on my XXXX, Experian reports. Every month they 're aging the account to show a current delinquency on a charged off account. The amount charged off was {$19000.00}. I have tried to resolve this matter numerous times with XXXX to report this properly by removing this account. XXXX continues to inaccurately report data on a charged off closed account by reaging it. This is a violation under FCRA.
In XXXX, I purchased a XXXX XXXX XXXX minivan and financed the purchase through XXXX XXXX XXXX. Since XXXX, I have made every monthly payment on time. In XXXX XXXX, my bank stopped payment due to an unknown issue. XXXX XXXX XXXX did not call me or send me mail until XXXX XXXX, XXXX. I received that document on XXXX XXXX and immediately called XXXX to resolve the situation. I spoke with XXXX, the manager in the XXXX call center. We called my bank, XXXX XXXX, to attempt to resolve the situation. XXXX agreed to pay the late fees to XXXX to atone for the error. I immediately repaid the past due amount. However, XXXX refused to remove the past due report on my credit report for XXXX. I have researched this and know that it is in XXXX and XXXX ' discretion to remove these from a consumer 's credit report, yet in this case XXXX was completely unwilling to assist. I am about to apply for credit to purchase a home, and XXXX ' report has reduced my credit score to where my interest rate will be higher than it would have been without XXXX ' report. I have made every XXXX payment on time for over three years now, and the one time that there was an issue, it was not my fault. Yet XXXX is publishing defamatory information about me that is causing financial harm. I have called XXXX a second time to ask for help, but she has not answered my calls or returned my calls. I need help in fixing this abuse by XXXX XXXX XXXX before it costs me thousands more in interest expense.
NationStar Mortgage Company has continued to inaccurately process payments to my mortgage account over a period of time. I have exhausted myself calling and reviewing the account with several different agents and to no resolve. On XXXX XXXX, XXXX I spoke with a supervisor regarding the matter because I was promised a refund check due to an escrow overage. He stated the first agent did not process the request accurately, and he was mailing it today and assured me by giving me a tracking number of an arrival date : XXXX XXXX, XXXX. Today is XXXX XXXX, XXXX and I have an agent from Nationstar on the phone-line via USA ( UNITED STATES OF AMERICA ), whom stated it never happened! At no time did I request Nationstar Mortgage to wright and void a check in my name, virtually returning the funds back into the escrow account. 

This matter goes further back to XXXX of XXXX, a payment in the amount of XXXX was received by Nationstar, on my behalf. I requested them to apply to mortgage six months out, so I would have no mortgage payments until XXXX XXXX. Upon agreeing to these terms and conditions, they removed my six month options and demanded payment on XXXX XXXX, XXXX. 
Furthermore, after back and forth with their representatives to correct the problem I paid the mortgages late for XXXX XXXX and XXXX XXXX. 
This is a shame!
I 'm having trouble making my payments for the fact that I 'm the only working to provide for my family because my wife lost her job. I applied for a loan modification as soon as I started struggling with my payments because of our loss of income. In less than  3 weeks  I was denied because according to  Ocwen Loan Servicing I  was not behind enough in order for them to help me lower my payment so I avoid foreclosure. I really believe that this is absurd and unfair that they tell me this and that is the reason why they ca n't provide me help. What they are saying is that I have fall way more behind on my payments so that they even give me a chance to save my home. This is why I 'm reaching out that to notify they are wrongfully reviewing my situation and not giving me and my family to try to find some type of solution to help me out. They told me about a repayment plan but that was only going to bring my payment higher no help at all since I was already struggling with my payment before. Please help I really need to save my home for the sake of my family. Thank You.