WillisBack/dataset-financial-user-claim huggingface dataset:
I believe I have been charged in some cases for estimates, or estimates for future services. There are also excessive fees have been, and continue to be charged to my account, such as property inspection fee, charged when no services have been performed, or charged less than 45 days apart, when property inspection reports, home is occupied and in good shape. 

Please accept this letter under RESPA and/or TILA. 

Please provide the following information regarding the above referenced loan : Please provide a complete, itemized list of fees, charged to my account, with dates of services performed. I also need all invoices, for fees paid, for services performed, and fees owed. Please specify if any fees are estimates, or estimates for future services. Please fix and adjust all errors, on my account. 

Thank you for your cooperation as we do n't want to lose our home and this information will help us to save our home.
Call Wilber & Assc to make paymnt arrgmnt on a debt wth XXXX XXXX to cont. wth XXXX agreement/ the rep wth Wilber never vefy who I was or this is a communivcation from a debt collector. refused to take a paymnt, refused any agreement, refused to let me tt a supervisor for a complaint, I called 2x and XXXX never vefy or gave discloser told me he did n't have to obey FDCP and for me to not call again, and hu on my for the 2nd time
J Northland called me stating I will be served with legal papers and responsible for legal fees. A warrant out for my arrest.
I have disputed the late payments on XXXX XXXX, XXXX XXXX XXXX and XXXX  XXXX accounts for months. Equifax refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Wakefield and Associates , Inc. ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TN XXXX ) sent me a letter on XX/XX/XXXX seeking to collect amounts allegedly due to XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TN XXXX   ). I responded to Wakefield 's letter onXX/XX/XXXX and disputed the amounts claimed due by explaining that the amounts were either paid to the original creditor, or the amounts were so old that they were barred by the statute of limitations.

Prior to the XX/XX/XXXX notice, I had contacted XXXX XXXX on XX/XX/XXXX, to dispute the amount due because I had received some sort of debt collection letter. I advised XXXX XXXX that the amount was paid, in fact, their system reflected a credit balance of {$190.00} ( it does not today ). I requested that this amount be applied against the balance due. They did not apply it, nor did they refund the money to me.

I was surprised when I came home today ( XX/XX/XXXX ) to find a letter datedXX/XX/XXXX from the Wakefield firm again seeking collection of {$320.00}. This letter detailed the amounts that they were attempting to collect, with the 2 oldest dates reflected as XX/XX/XXXX, and additional service dates in XX/XX/XXXX. They also provided additional documentation that appear to be invoices and a billing summary from XXXX XXXX. However the billing summary does not contain information to reflect the running outstanding balance, nor does it reflect the credit of my check ( # XXXX for {$190.00} ) that was cashed by their office on XX/XX/XXXX.

I will be responding to the most recent Wakefield correspondence by providing documentation supporting my dispute. Since it took them over a year to respond, I am seeking the assistance of the CFPB to eliminate further collection of this debt.
We have received repeated phone calls from phone  XXXX   XXXX . The caller indicates he works for a dept collector and he is trying to collect a {$1000.00}  ( if I remember correctly ) dept against ou r  XXXX   Card.  Once he mentioned our  XXXX  card I hung up immediately. Our  XXXX  card is our emergency card and we have not used it in a long time. Immediately following my hand-up I called  XXXX  to ensure the card had not been illegally used. The card has a  XXXX  balance with no indication of activity. The same individual has called back twice I told him the second time I called  XXXX  and they verified I do n't owe then anything, I then hung up. tonight he called again and I just hung up and then put their phone number on my blocked number list. The conversations never lasted long enough to determine who the person claims to work for.     It 's clear they are trying to scam us. Thank you for your attention to this activity.  XXXX   XXXX ,  XXXX  XXXX  XXXX
I have a credit card that accidentally went late with synchrony bank I missed a payment. They then would not take the past due but wanted to collect the whole balance and then would not work with me on payments. They had a 3rd party contacting me for collections and were contacting me themselves as well. I have numerous store brand card thoigh them. Only one went past due. They have now closed all of my accounts that had no balance and lower each limit on my other accounts through them as I pay on them on a regular basis. Due to one brand going past due they are now applying that to all of my credit cards in punishment. I want them to prove to me under the fair debt act that they dont have accounts open with other at the same credit score. They have also put this against my wives credit cards open through synchrony bank as well. This is unacceptable and not allowed per regulations. I want my credit cards put back to where they were and reopened as I have never been late nor have I missed a payment with any other cards with synchrony bank.
Barton Creek Auto d/b/a XXXX in XXXX, Texas. I was told by XXXX XXXX the account representative that I should be careful about mileage because " this is a lease and anything over 20,000 miles per year would cost me {$15.00} per mile ''. It even said so in the paper work so I acknowledged that I understood. She mentioned to me that if I wanted to get out of the lease early, all I would have to do is pay {$490.00} early termination fee and turn in the car. OK. I saw that in the contract. No problem. 

Fast forward to today. I do a LOT of driving and I was getting close to the 20,000 mile per year limit. So now its time to BUY a car which I can drive freely instead of LEASING a car and having to worry about mileage. 

I went to another car dealer to see about purchasing a car and the dealer called XXXX XXXX of Barton Creek Auto d/b/a XXXX to confirm it would cost me {$490.00} to end the lease. She told them no, it would cost me a whopping {$1900.00} to get out of the lease, even though the lease agreement clearly stated {$490.00} to end the lease and return the car. 

Barton Creek Auto d/b/a XXXX told me something entirely different when I chose to exercise my contractual right to END THE LEASE. XXXX XXXX told me that she is charging me .XXXX  cents per mile for the miles I have driven on the car since I leased it. 

THAT IS NOWHERE IN THE CONTRACT. There is no mention of a .XXXX cent per mile charge. She said she is " being nice '' by charging me these extra fees of {$1900.00} instead of the {$490.00} stated in the contract. 

Barton Creek Auto d/b/a XXXX is in violation of the Fair Debt Collection Practices Act. Their written contract states {$490.00} to end the auto lease and the company representative creates a new story and thousands of dollars in additional fees when I decided to exercise my contractual right to end the lease.
On XXXX XXXX, XXXX I made a deposit through the mobile app from Wells Fargo in the amount of {$4400.00} with XXXX checks from XXXX. ( {$400.00} and {$4000.00} ) I received a message saying the funds would be cleared on XXXX XXXX, XXXX ( every two weeks I deposit a similar amount into that Wells Fargo account which is my business account, the deposit is made on Thursday and it is always available on the next day, friday ). 
Something happened on Wells Fargo side that they placed a hold on the {$4000.00} check and did not release the funds into my account causing payments to be returned, overdraft fees Applied to my account and that inconveniency of having to explain to other parties why i could not pay them, including to the IRS which was supposed to receive a tax quarterly payment that did not go through due hold placed by Wells Fargo on the money. 
Yesterday, XX/XX/XXXX I went into a wells fargo branch, contacted a branch manager and he said the funds were not available because there was insufficient fund on the checks. 
few minutes after leaving the branch, i contacted the Company that issued those checks to pay me and they contact XXXX just to find out that the funds was released on the same day that I deposit the checks which was XXXX XXXX, XXXX. ( See attached document ) Me and the company that issued the check contacted the branch manager again, left several messages and sent few emails not receiving any response back. 

I need this resolved ASAP come up with the money placed back in the account, overdraft fees return and a letter from the bank explaining the mistake so I can take to the IRS and not be penalized for not paying my taxes when I was supposed to. 
Just a reminder the taxes was supposed to be withdrawn from my account on Monday, XXXX XXXX, XXXX four days after the deposit. 
I am very unhappy with this situation with Wells Fargo and I hope that this can be repaired ASAP because it 's causing damage to my business.
I attempted to make a retail purchase using my Capital One card and it was declined. I received a text and email ( Two-factor authentication ) to which I responded affirmatively, yet Capital One did not authorize the charge. I spoke with their fraud unit and I asked to know why the card was declined. The only explanation offered was that it is the holiday season and that falsified cards are in use and, thus, Capital One declined the charge. 

No adequate reason given. What is the point of having a credit card when the issuer can not allow you to use it? This should be illegal. Capital One 's fraud procedures are nonsensical, inadequate, and a nuisance for customers. I was in physical store and the salesman asked for my ID when he ran my credit card. That is not foolproof, but it is the best means of validation of a charge, yet Capital One ignored simple logic, ignored its own 2FA, and did all this without any premise whatsoever. This company has completely failed to meet its obligation as a credit card issuer, and I warn all consumers to stay away from using Capital One.
XXXX XXXX XXXX XXXX XXXX XXXX began a nonjudicial foreclosure on my property based on an declaration by a person named XXXX XXXX who is identified as an " authorized agent '' of PNC. I can not find such a person working for PNC albeit I do find a person by that same name working as a Relationship Banker for XXXX Bank and XXXX in the XXXX area for the past 9 years - not PNC. XXXX : XXXX I brought this to the attention of the NWTS attorney ( XXXX XXXX XXXX who stated in an email to on XXXX/XXXX/16 that he confirmed that XXXX XXXX did work for PNC. However, XXXX XXXX would not provide XXXX XXXX 's contact information and said contact PNC. He would not explain how he confirmed her employment. PNC will not confirm her employment. XXXX ( XXXX XXXX XXXX contact information : XXXXXXXXXXXX
I have repeatedly tried to explain to this agency that this debt does not belong to me. They refuse to remove. They have said the debt was validated however 1 ) they never could show an original contract where I signed or an agreement with me.
Chase wo n't close my account after I requested them to do so. Chase asked Security Questions that seemed to come from Googling A Chase credit card phone representative asked me all these ridiculous security questions that I did n't create. They asked me questions that they seemed to have may gotten through an internet people search. Because I sure did n't supply them with any of this strange info that they asked me. For example, 1. THEY gave me a relative 's name and asked what 's their birthday and how that person is related to me. Really! You 're GIVING me a family member 's name ... that I NEVER gave your company and THEIR birthday is a security question! 

2. They asked me what college I went to. ( I never gave Chase this information on what college I attended! ) Where are they even getting this information? Are they getting it from XXXX or random people search engines? Because I never gave them this info. 

3. They asked How long I lived at my current address. They asked me for past addresses. I never gave them past addresses. 

These are strange questions to be asked when you did n't set these up yourself as security questions. Its as almost as if they were Googling me. Security blocked my phone number and they hung up on me three times when I called back from a different number. Each time they hung up on me ... I was first transferred to security and they validated who I was first. Then put me on hold and hung up. The weird thing is that after I answered all of those questions with a rep, they told me I was n't myself and blocked my brand new never used card. I wanted to close it since it was so difficult to use and they would n't even let me close the card! They would n't even let me close the new " never used '' card that they would NOT let me use. Having a Chase card is terrible! I would not wish dealing with Chase on anyone. It 's not fair they they wo n't close my account after I asked them. I should not have to suffer with this being on my credit reports against my will.
I am an American living in XXXX. Every month I transfer money from my TD XXXX Trust ( XXXX ) account to my TD Bank ( USA ) to pay my student loan. TD Bank charges {$15.00} USD for this transaction, but because of the account I have the transaction fee is supposed to be waived. TD Bank also charges {$15.00} USD per month for the checking account, but this fee is waived because I maintain a balance of {$100.00} USD. <P/>Last month, unbeknownst to me TD Bank charged me the wire transfer fee. Next, when my student loan was debited from the account, it caused my account to be charged the {$15.00} maintenance fee. Thus, TD Bank wrongly charged me {$30.00}. Upon discovering this error I called and was able to have the fee reversed after an hour of being passed around on the phone. <P/>This month I can see that they have again charged me the {$15.00} transfer fee. From my TD XXXX Trust account I can only see the total of my TD Bank account -- I can not see all transactions -- but I can see that it is {$15.00} short. When I try to log into my TD Bank account to see the transactions in detail I am now locked out of the account. When I called to get the account unlocked they refused and implied that I am an impostor or identity thief. <P/>Next, I had to go to a TD XXXX Trust branch to show them my I.D . The employees at TD XXXX Trust said they would try to call TD Bank, but the issue has yet to be resolved. <P/>TD Bank is trying to defraud their account holders of fees. More so, TD Bank is trying to make it difficult for account holders to discover their " mistakes '' and have them corrected.
XXXX XXXX is reporting on my credit for a XXXX debt that is over 8 yrs old and was paid a long time ago. When I called them they said they do not have the account anymore and they sent it back to XXXX in 2012. Yes they are currently reporting and damaging my credit. 
The debt is past the CA statute of limitations also and I do not owe it.
Our credit card was taken while we were on vacation in  XXXX  and ran for a fraudulent amount. The receipt that was turned in to  XXXX  was an obvious forgery. We have provided  XXXX  with documentation showing that it is not our signature. Immediately after noticing the amount on our statement on the evening it was stolen we cancelled our card for fraud.  XXXX  refuses to help us locate the merchant, a bill of sale, an address, or even a phone number for the person who stole from us, they will not tell us what was allegedly purchased at a gas station for exactly  XXXX  pesos. The receipt provided to them by the thief has " duplicado '' ( duplicate ) written on it which shows it is not an original receipt and is indeed a reprint that they forged during the dispute process. We were charged  XXXX   pesos ( {$640.00} ) a nd we 100 % did not authorize this sale, nor do we know what we supposedly purchased. We believe this occurred at a gas station in  XXXX  where the attendant took our card, ran it for the fraudulent amount, and then told us the machine was broken. He then forged my name when  XXXX  called asking for the receipt.  XXXX  has stopped returning our calls and answering our letters, they refuse to open the case again even after sending multiple certified letters and notarized faxes. We feel like we have been robbed twice, once by the attendant in  XXXX  and once again by  XXXX . Please help.     References ( a common scam in  XXXX   )  : http :  XXXX  https :  XXXX
On XXXX/XXXX/XXXX and XXXX/XXXX/XXXX Springleaf financial services reported hard inquiries to my credit report. I have never applied for credit at springleaf. I have contacted the lender and have had no success on removing inquiries
looking at my second mortgage and I feel it is not legal. on XX/XX/XXXX i obtained a second mortgage " from a friend that was a broker ''. It is from specialized specialized loan servicing in highlands ranch co. the payments are {$330.00} with {$24.00} going to the principal the annual percentage rate is 14.069 % with a balloon payment due XX/XX/XXXX of {$25000.00} finance charge is {$57000.00} the amount financed is {$28000.00} total payments {$85000.00} with a balance due as of today of {$27000.00}.
Trident Asset Mgt XXXX a collection company out of Georgia contacted me threatening me with legal action regarding a check that was written by an old employer that I provided to their supplier. I am not the owner of the check, it was a corporate check for my former employer. I have sent XXXX dispute letters to the company, XXXX to a gentleman name " XXXX '' and then a woman name " XXXX '' via fax, and still no response. It has been more than 30 days, almost two months and no resolution. I am not financially reliable for a corporate account, or something my previous employer is responsible for. Please help me rectify this matter.
Rushcard has ignored my dispute that I made directly with them. A merchant had somehow debited my rushcard account using the ACH method
I have tried to contact XXXX, XXXX, Transunion, to dispute an account, in which ; the statutes of limitations have already expired. The bureaus are currently reporting in correct dates on my credit report. XXXX, XXXX, Transunion has failed to remove the account accordingly. I have contacted the bank to request, proof of validations pursuant to the Truth in Lending Act. According to the bank, they could n't comply because the account was to old to be validated. After notifying XXXX, XXXX, Transunion of set forth information, I requested them to delete the account. I have yet to see them comply with my request. I would like to formally, and respectfully request your assistance in this matter. Please note, that time is of the essence. 

Acct Name : XXXX Acct # : XXXX
I went to XXXX from XX/XX/2018 - XX/XX/2018 and while there my debit card was used without my authorization for 5-6 days. I didn't realize my debit card was missing or that transaction had taken place until after my return to the US. I went to XXXX to have 2 medical procedures, a XXXX XXXX followed by a XXXX XXXX a week later. I had some medical treatments after. I was under very strong pain killers and sedatives for several weeks. 
A claim for almost {$2000.00} worth of unauthorized charges is being denied by TD Bank. TD Bank is claiming there was no fraud simply because the transactions occurred while I was in XXXX, the debit card was not used after I left XXXX and no report was filed. I believe it is important to know that I had limited movement due to the XXXX   and drugs I was under and had nurses 24 hours a day ( on 12 hour shifts ) during my entire stay, as well as cleaning service that came daily to clean and cook. I don't personally know any of them and while I would like to think that none would steal from a patient/client, they all knew the length of my stay and had access to my belongings. A police report was not filed because I didn't realize the card was missing until my return to the US. I was on bed rest upon my return to the US due to partly to normal recovery XXXX XXXX and then extended because of complications caused by an XXXX. 
I filed a claim with the bank on XX/XX/XXXX and the first time the debit card was used without my authorization was XX/XX/XXXX. 
I have had a very tough few months with health complications and with an obnoxious amount of debt as a result of medical procedures and having to take time off. I am battling XXXX and while everybody has their problems I filed the claim within reasonable time. I believe the reasons TD bank is claiming to deny the claim are unacceptable. 
It may be relevant to note that I deposit on this bank account an average of {$10000.00} every month and filing a fraudulent claim for 1/5 of my monthly deposits makes no sense. 
I urge you to look into this and help me get my money back. 
Thank you! 
XXXX XXXX
XX/XX/XXXX I spoke with a representative @ XXXX to report my previous address were incorrect. They representative told me the addresses were removed. I just received a copy of my credit report and the incorrect previous address are still reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX MS XXXX never been my address Date Reported : XX/XX/XXXX - not factual I was living in XXXX XXXX TX XXXX XXXX XXXX XXXX MS XXXX This is my mother in laws house I have NEVER LIVED there. Date Reported XX/XX/XXXX XXXX. XXXX XXXX XXXX MS XXXX This XXXX. XXXX is not mine it belong to my husbands family in the late XXXX I was a child, was unaware of my husbands family at that time. Date Reported XX/XX/XXXX My spouse history is not Mine Transunion and XXXX   keep telling me that these address are associated with accounts which is not factual. All of my creditors have a XXXX XXXX Texas address and a XXXX MS address.
Hello, I am writing to you because I am very frustrated with Chase, this is my 2nd time applying for a Short Sale to avoid a foreclosure. On the 1st offer received 12 months ago, Chase decided to deny the offer because the Investor which is Chase did n't feel like working with that Buyer. 

On the 2nd Buyer that submitted the offer after 6 months under review they denied my short sale once again because the offer was too low. So Chase told me in order to dispute the Value I will have to pay for an appraisal out of pocket if I did n't want to loose my home. 

Since I had no Choice I paid for the appraisal to dispute the value, now that my dispute was valid. Almost 2 months later waiting patiently for Chase to give us the approval. Chase email us giving us another excuse stating that our Short Sale was denied because Chase ( investor of the loan ) feels that I do n't deserve a short sale!!!! 


I feel very frustrated and discriminated by Chase since this is not my 1st time trying to get a Short Sale approval. I have done everything right and its not fair for Chase to take advantage of me and my family. Please please help me end this nightmare. 




XXXX XXXX
Lexis Nexis Consumer Center XXXX XXXX   XXXX XXXX GA, XXXX I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the XXXX . report and other furnished Lexis Nexis regrading all personal information of mine. 
This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. 
My information is clearly shown below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX