WillisBack/dataset-financial-user-claim huggingface dataset:
My name is XXXX XXXX earlier this year I filed a complaint against M & T Bank CFPB Case No. XXXX, my request was denied because the Bank said I never sent documentation supporting my refund request, in email I will prove I submitted proof not once but " twice '' to XXXX XXXX email address XXXXXXXXXXXX. Attached is copies of XXXX emails sent to XXXX XXXX employee of M & T Bank in XXXX XXXX Maryland email address XXXXXXXXXXXX on XXXX XXXX, XXXX @ XXXX and again at XXXX on the same day. Based on the fact that I did send in proof of me informing XXXX XXXX over and over again that I was being over charged and also asking them over and over again for my refund in writing, meets the requirements that you asked me to submit to you in your letter dated to me XXXX XXXX, XXXX. Therefore, I would like a full refund of my previous request to all fees put back into my account effective immediately. 
Thank you!
XX/XX/2018 XXXX I've tried sending documents this debt is because of identity theft
The CFPB, F.B.I., OCC.HUD, making HOME ADORABLE AND MY CONGRESSMAN US D.O.J. NEED TO REOPEN A CRIMINAL INVESTIGATION AGAIN AGAINST CHOICE LEGAL GROUP IS A COLLECTION AGENCY AND THE LAW NEEDS TO BE AUDIT THE AUDIT WILL REVEAL ALL THE FRAUDULENT DOCUMENTS ACTIVITY GOING ST THIS FORECLOSURE MILL 'S ALL IS FRAUDULENT POA, XXXX ENDORMENTS, NON ORIGINAL PROMESORY NOTE LOOK CASE # XXXX AT XXXX FRAUDULENT DOCUMENTS TO OBTAIN A FAVORABLE ILLEGAL JUDGMENT FOR ALMOST {$140000.00}, THIS FRAUDULENT ACTIVITY
I am so confused why XXXX XXXX is being reported as late when I always make my payments on time. Please take this error off my credit report. It is unfair when I am paying this account on time
Dear Sir/Madam : This is letter in reference to my denied credit card application with NFCU due to the status of my checking account. 
On XX/XX/2016, I applied for a credit card with NFCU via telephone. During the application process, I asked the female customer service representative which credit reporting agency does NFCU use and her response, " XXXX ''. 

Recently, I checked my credit report as I often due when applying for credit, and I noticed NFCU never pulled my credit. I received a letter of denial, stating Extenuating Factors Exist Regarding Your NFCU Account ( S ). ( Primary ). 

On XX/XX/2016, I contact NFCU about the denial letter and asked XXXX, the customer service representative. " How was I denied when my credit was never pulled? What was the purpose of the application process? '' The CSR response, " I see you have a garnishment on your account '' and that 's the reason for the denial ''. My response, " I should 've been told this before the process of the application because this is misleading the member. So, I waited over one week for a response when you 'll never pulled my credit and already knew that I was n't going to be approved ''.
CoinBase is refusing to let me withdrawal any funds. There is {$100.00} in my Coinbase account in USD, and every time I try to transfer it back to my bank, it sends me through a loop that leads me back to square one. On my last attempt, XX/XX/XXXX, rather than transfer money back to my bank, they deposited another {$100.00} from my bank account. I have contacted them 3 times only to get a XXXX we are busy reply. These 3 occurred over the course of two weeks. Still no reply. I am requesting that the {$100.00} as well as the additional {$100.00} withdrawn from my account are returned.
I was only able to make a partial payment told them they said okay. They still call m e 5 p lus times a day. I have told them when I can make a payment. Less than a month away. They refuse to stop calling they ask me to borrow the money pawn something.
Fedloan Servicing : Refusal to process Income-Driven Repayment ( IDR ) and Arbitrary " Administrative Forbearance '' XXXX - XXXX/XXXX/2016 for Account # : XXXX. 
Loan Program ( s ) : XXXX, XXXX, XXXX. 
Additionally refusing me consider for Loan Forgiveness although I work for XXXX. In addition to the XXXX programs. 
All letters reference below can be provided. 
~I have provided Fedloan Servicing with the information that they requested - consistently. And, every time you receive the information from me you come up with yet something else that you say is needed referenced by letter from Fedloan dated XXXX XXXX, 2016. 
~I qualify for the " IDR '' and Loan Forgiveness as well but you have denied me this right again ; reference by letter from Fedloan Servicing dated XXXX XXXX, 2016. 
~Fedloan has place me in " Administrative Forbearance '' that I did not request which will cause me eventually to owe more ; reference by letter from Fedloan dated XXXX XXXX, 2016.
I disputed on with XXXX credit bureaus in XX/XX/2016 as not mind. Collection agency at that time was Creditors Bureau USA/c/o Fresno Credit Bureau, now being reported on Credit reports as Fresno Credit Bureau,
CAB Collections failed to investigate an alleged bill from XXXX and entered it on my credit report in XXXX as a new debt for collection. I contacted the collection agency to verify charges and the did not. Instead they sent it to the credit bureau two days after my call. I also contacted the medical center there were several charges that were entered not a part of my last visit to the doctor. There were unexplained charges with some charges that were duplicate on same day of visit. It appears I was being over charged by the medical billing dept and the collection agency never investigated my dispute. They demanded payment and listed it on the credit bureaus without due process.
I took out a personal loan with Wells Fargo Bank using a cash savings acct. as collateral. I have had nothing but problems with WF in several of my XXXX accounts with them to the point of ready to close all of them. I went to pay off the personal loan today and encountered MULTIPLE problems from the teller all the way to their corporate HQ. From the SENIOR teller not being able to give me a payoff amount but taking what showed as balance to directing me to call a call center then refering me to a personal banker who could not help either which had to call a loan officer to figure out how to get a payoff so I had to pay a XXXX check after being told I paid off the loan snd then when I inquired as to when my savings acct which was the collateral was going to be released so I could remove my $ XXXX from it, I was told it would not be available for 10 business days. The loan was paid off in cash and when I made individual payments that amount was not released but rather they continue to hold the entire amount of the initial loan amount even though the loan was paid down XXXX. There is no reason a bank as big as WF should be allowed to keep me from my money for an additional 10 days AFTER I pay the loan off in cash. They have no more worry or chance of loss with the loan paid but yet they claim it takes 10 days to release the money even with the loan paid. I can understand if the loan was backed with a car or house or something with a title to release etc but this was cash. They pay only .01 % interest so it keeps me from immediately moving my money so they can continue to use it practically free of charge when they now have no legal claim over it. This should be against the law when cash is repaid in cash and not requiring a title be returned or any other paperwork. WF is quick to charge and collect fees from customers for their benefit but when a consumer has paid what is owed to them, they should not be allowed to continue to hold the consumer 's money for ten days which I was told was business days so why do they need to keep cash collateral for basically two calendar weeks?
My credit report has been ok until Just Recently with information not belonging me XXXX- Not mine ID theft Equifax claim to have Deleted, but has NOT Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) and The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 6 ) ( B ) Contents. That the claim that I owe them is not valid, and that I requested validation, and additionally I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of their authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I have repeatedly asked them to provide the following, below ( items XXXX-XXXX ) but would not disclose how they got any of my information in the first place : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. This type of practice is not only upsetting but the authority and power these people have over other consumers presumably is also very illegal. They obviously are not willing to provide this which is even further illegal. The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 6 ) ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish, and insist you comply with the law by providing correction of the information within the 5 days to avoid sue. I further ask that you look into the practices of this company and these collection charges brought against me that since it is the Bureaus RESPONSIBILITY to clean Reports.
TD BANK USA/TARGETCREDITAddress:XXXX XXXX XXXX # XXXX, MN XXXX ( XXXX ) XXXX Number : XXXX .... 
Address Identification Number : XXXXThis is not my account, I have no knowledge of how or why it is showing up on my credit report.
Navient is servicing both my federal student loans, as well as a private loan obtained while I was an XXXX. Due to my limited income as an XXXX, my federal loans are being repaid through the Income-Based Repayment option and they are current. However, my private loan, which initially totaled {$31000.00}, is now more than {$80000.00} as a result of usurious interest rates ( 10.75 % ) and numerous forbearances granted while in graduate school. On XX/XX/2017, Navient agreed to lower the interest rate and reduced my monthly payment to {$340.00} per month for 18 months. My account was automatically debited for two such payments ( one in XX/XX/XXXX and another in XX/XX/XXXX ). Without warning or explanation, Navient increased the payment to {$1800.00} per month on XX/XX/XXXX - more than I actually earn each month. 

Navient 's approach to loan servicing is disingenuous and borders on fraud. These practices have been well-documented by the CFPB and forms the basis of the Bureau 's recent legal action against Navient. I sincerely hope that the CFPB continues to pressure Navient, through the courts, to cease and desist in these fraudulent practices and that those of us who have been injured, despite our good faith efforts to resolve our financial obligations, finally receive just remedies.
I was told if I open a US Bank credit card and kept it in good standing I would receive a {$100.00} credit. I have not received my credit and after repeated calls I still do n't have my credit. I have kept my end of the deal but US Bank has not.
Home Depot habitually credits my account a week OR MORE after they receive the payment, as verified by the amount being debited from my Credit Union account. They call, email and otherwise BULLY me for payments paid a week or MORE previously. This has been going on for several years, but lately has been WORSE. I 'm sick of them and do n't understand how they get away with this.
XXXX - complaint # The feedback I received on my initial complaint was that the collection agency submitted documantation to me by mail and thats not correct. I havent received anything to date. I want this matter resolved or Ill have to take other legal measures. The amount thats trying to be collected is the wrong amount and I have no intension on paying it at anytime. XXXX stayed before my current address is included in this complaint and I havent received anything. This is a stall tactic and the clock is ticking.
I am XXXX XXXX military currently XXXX. I XXXX in XXXX and as of XXXX am still XXXX. In XXXX Chase says they sent a letter saying I needed to contact them or they would close the account for non-use. In XXXX, they closed the account. I only discovered this when my credit monitoring service notified me that a change had happened to my credit profile. I tried contacting Chase and explaining that I was on military XXXX and did not receive the letter nor have any opportunity to respond to it in the time allotted and requested that the account be reinstated but they refused to discuss the account with me and continued to put me on hold, presumably to transfer me to somebody who could help, and then disconnect the call. I have been a customer with Chase for more than 10 years and have never missed a single payment. I also have XXXX other credit cards with Chase as well as a home mortgage. I have never had a late or missed payment, and my credit report has a perfect history, so there is no valid reason why they closed my account. Any lack of use recently has only been due to frequent XXXX. I even asked specifically to speak to the " Military '' department of Chase, who is supposed to specialize in helping service members, and I was gain put on hold and then disconnected, never being permitted to speak to anybody.
I have a debt collector coming after me for a debt that I admit I have, the problem is that the debt collector is saying I owe over double the original amount. The FDCPA ( fair debt collection practices act ) states ; Collectors can add fees or interest ONLY if the amount is expressly authorized by the agreement creating the debt. Due to the fact that this is a medical bill the original agreement does not have interest or late fees on this debt therefore against the FDCPA regulations. They should not be able to pursue this larger amount of what I originally owe. It is against the law. I have no problem paying the original amount, but they have added so much interest that it is now close to impossible for me to take care of this amount they say I owe.
Wells Fargo credit card is reporting current balance as outstanding before the due date. The carryover balance is blended with current balance and shown as one number. There is no way to tell which balance is which and where one balance ends and the other balance begins.

Typical scenario is balance is paid in full. Days later transactions from previous month are added to a carryover balance no interest is charged and dates indicate their posting before the balance is paid in full on due date. Then the carryover balance is recorded as outstanding balance until the next billing date. All transactions between the next due date and last due date appear recorded as outstanding when in fact it's a blend of outstanding and current balances. Shown as one outstanding balance.
Applied for a Mortgage loan with Manhattan Financial Group got approved with a loan account number XXXX, paid 1st Payment on XX/XX/2016 for a due date of XX/XX/2016. They sent a letter stating that my loan has been sold to new lender XXXX home loans on XX/XX/2016 and the XX/XX/2016 payment should go to the new lender and not to them. My check to Manhattan Financial Group was cashed by them on XX/XX/2016. They are obligated to send this money to new lender instead they kept this money with them. I sent several mails with no response from them.
I recently went to re-certify my income based repayment plan and I was denied my previous repayment plan due to my wife 's salary. They took my wife 's salary into account, but they did not take into account my wife having to repay loans. Therefore they do not recognize that she now has a job, but she also now has to repay her loans. They only took the information that would cause me to have to pay more without looking at the entire financial situation. We pay almost {$2000.00} a month in student loans between federal and private.
Received a collection letter addressed to me at my address for a person that has a similar name. This person 's date of birth, ss # and middle initial are different than mine.
I do not recall giving permission to Healthcare Collections or XXXX XXXX XXXX XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 

Attached please find a copy of the response from Healthcare Collections Inc., included in the response is the letter I sent to the company and initials indicating they recieved it. I have blacked out any personal information contained on the bills and am attaching them to this complaint for the only purpose to show the HIPAA violations. I have not recieved nor have I ever signed paper releasing my medical information.

Also I was covered under the Arizona Medicaid program XXXX health care at the time of this hospital bill. The insurance information was provided to the company at the time of service. I was not notified that this account was in arrears or that it would be sent to collections. The bottom line is that XXXX should have been billed for this service, and companies are not allowed to balance bill a patient with Medicaid.
Weinman Acquisition Group continually calls me after I told them to STOP calling my phone. The rep goes on to say I will call you three more times how bout that and do what you have to do?? I 've emailed and called them to stop these harrassing phone calls and they still do so. Now I will file a lawsuit in court. Also stating a warrant for my arrest would be served if I do n't contact them. I have a voicemail stating that.
I am attempting to connect to my account through a third party app ( similar to XXXX ), but keep getting a message that XXXX is blocking me from enabling external applications. I called customer service and was told that they do not block any apps.
I have reported this company calling my number to collect a debt not mine on separate occasions. I reported them on XX/XX/XXXX, XX/XX/XXXX, andXX/XX/XXXX. I have no knowledge of the debt they are attempting to collect. Since I refuse to provide them with my personal information, they refuse rudely to give any information about the purpose of the call. I would like to believe that something legally can be done to stop them from calling my number repeatedly in a harassing manner. 

I would be willing to pursue any legal means that may be provided by your organization.
contacted someone listed as relative advised them to tell me to contact XXXX XXXX at XXXX extension XXXX or XXXX very important XXXX about garnishing wages
I 've supplied XXXX ( XXXX XXXX XXXX ), the furnisher, along with ( Experion ) ex and ( XXXX ) XXXX a copy of a written confirmation of the only account that I had with them is settled and closed, with no further balance since 2013. 
In the letter, was the account number, reps signature and phone number. 
CRA 's are reporting that I have XXXX accounts from XXXX creditor, which is wrong. 
I 've been challenging this for the past two years with no success. CRA 's maintained the furnisher is reporting correctly. 
I called the collections unit and spoke with XXXX XXXX ( the account rep handling my account @ XXXX ). She confirmed this was an error and did n't understand why they 're reporting improperly. She asked me to allow 30 to 45 days for adjustment. I received confirmation from ( XXXX ) XXXX the phantom-XXXX account is deleted. The other XXXX confirmed the ( phantom-XXXX ) account is reporting correctly. 
XXXX, sent results with the XXXX accounts separated : confirming the correct account number with {$0.00} balance and an invalid phone number. And confirmed ( the phantom-XXXX ) item, the same company ( XXXX ) with no contact number and different address. 
Experian simply states ( report # XXXX ) updated ( the phantom-XXXX ). 
when I called to get more clarity, they both told me, I had to provide proof I only have XXXX account with XXXX.
I have been a US Bank customer for a year now. I recently was looking at my Annual Escrow Account Disclosure Statement as of XX/XX/XXXX and noticed that besides my shortage of {$480.00} US Bank is adding a reserve requirement to my account for the amount of {$130.00} which is causing my shortage to be {$610.00} rather than {$480.00}. This amount has been prorated over 12 months for the amount of {$51.00} which should only be $ XXXX {$40.00} over 12 months. I work in a large home mortgage company in which to my knowledge with escrow, per the law, the state of Nevada does not require a reserve. However, US Bank is adding a reserve to my account. This company is exhibiting unethical and illegal behaviors. I called US Bank today XX/XX/XXXX and spoke to a representative named XXXX in which stated that they are unable to remove the reserve per their policy. I asked to speak to a supervisor and the agent stated there was not one available and transferred me to a senior agent by the name of XXXX. This agent did not help me in any way and kept stating that per their policy they can not remove the reserve even after i mentioned that the law does not require a reserve and per RESPA they are allowed to have one but if the state prohibits a reserve they should be able to remove it. Conversation was not going anywhere towards helping me and clearly they are not abiding by the state law. Please see the screenshots and the highlighted information as reference.
This debt never existed. It was a mistake on XXXX end, my account was opened in XX/XX/XXXX and was always paid in full and was officially closed in XX/XX/XXXX. 

The XXXX employee who closed my account never noted my account. It took approximately six months after my new service was initiated with XXXX to finally shut that account down. 

All of this is documented, and was never a collection in the first place. 
I am demanding that this harassment to collect a non existent debt stop immediately and all debts and information relating to this account be removed from my record at all XXXX US Credit Bureaus.
violation of the Fair Credit Reporting act by allowing XXXX XXXX XXXX and XXXX XXXX XXXX to harass me by reporting inaccurate information on my credit report! The violations are as followed : failing to distinguish the XXXX and XXXX in similar surnames mixing the information of persons with the same last name and similar first names, and combining or mixing credit files of persons with similar names living in the same city or zip code.