WillisBack/dataset-financial-user-claim huggingface dataset:
My name is XXXX XXXX. My social security number is XXXX. My Rush Card was lost on XXXX/XXXX/2017 after I transferred {$2000.00} to my daughter. I noticed the card was missing on XXXX/XXXX/17 after I searched for it to pay my rent. I called Rush Card immediately to report the loss and noticed several unauthorized transactions on my account as well. RushCard replaced my card, but would not allow me to dispute the charges until after they posted. They also would not send me the dispute form so I wrote a letter of dispute instead. RushCard received it via email on XXXX/XXXX/17 ( assigned ticket code XXXX ) and US Mail on XXXX/XXXX/17 ( assigned ticket code XXXX ) with US Mail tracking number XXXX. RushCard 's cardholder agreement clearly states that cardholders will receive a provisional credit for disputed transactions within 10 business days from the initial dispute. However, today I called their customer service after the 10 days had expired and no credit had been received. I was informed that they will not issue a provisional credit until XXXX XXXX ( which is 30 days from the dispute date ). When I reminded them of the cardholder agreement, they had no response except to repeat that the credit would not appear until XXXX XXXX. The outsourced international representative would not allow me to speak to the dispute department nor a supervisor. I reminded them that XXXX had recently been sued for defrauding their customers this way and RushCard would likely face the same fate if they failed to honor their cardholder agreement. They disconnected the call. My rent is past due and has been assigned to evictions because I am without my funds. I can not afford to become homeless waiting on RushCard any longer
I have received no help from my services center ; nothing but lies, I asked for a forbearance during the disaster of hurricane Irma and was told I was on one : now I attempt to reach them for 2 weeks requesting a call back via IVR but no response To ask for an extension due to my home is still damage due to the impact This has been the most horrible experience I need help
Im a XXXX who had a joint account with my sister.She had a car loan with XXXX XXXX but was having problems with the car and wasnt able to make payment due to the expensive of the car to repair it so she spoke with them and told them about the issue and the car was no good and the repair was to expensive.She talked to the lender and the agreed to come get the car.The car is now in possession of the lender and she no longer has the car but is still being charged for another months payment and its reporting on credit report when she already sent the car back a month ago.This is effecting my credit bad and I dont think I should be getting charged and she doesnt have the car no more.So this company is reporting a negative payment history about a payment thats inaccurate that Ive disputed but they wont take off my credit.
I was a recipient of a UDAAP violation wit PNC Bank. I received XXXX overdraft fees due to a deception with account information in the contract. I currently have overdraft protection on my checking account. but when I switched too XXXX checking accounts and a savings account my overdraft protection only covered my main checking account. This information was not shared with me in my initial contract or when a similar situation happened last year. I received my overdraft fees on Thursday XXXX XXXX and my direct deposit was received on Friday XXXX XXXX. I had XXXX transactions on XXXX XXXX and I was fine letting the transaction go through because my overdraft protection would pull the additional funds from my savings account. I had plenty of money to cover the overdraft in my savings account. I tried to resolve the issue directly with PNC Bank but they are refusing to further investigate the call that was done exactly a hear ago and if the representative explained the limitations of my second checking account. As I first stated this is a UDAAP violation of my protective rights as a consumer. The contact was deceptive t explain my account limitations of overdraft protection and the representative was deceptive by not explaining the detail of my contract when the situation happened a year ago. I was only informed about this on Friday XXXX XXXX in detail and now understand.
Greetings, My name is XXXX XXXX, and I am filing a formal complaint against Pennsylvania Higher Education Assistance Agency ( PHEAA ). The complaint arises from PHEAA 's unlawful attempt to collect on an alleged debt. 

Details : On XXXX XXXX, 2016 I received a letter from PHEAA threatening wage garnishment ( See attached letter ). They also went as far as listing my most recent employer to indicate from whom they 'd be garnishing the alleged debt from. The letters starts off by stating, " You are given notice that Pennsylvania Higher Education Assistance Agency ( PHEAA ), pursuant to Federal law ( Public Law 103-164, as amended by Public law 109-171 : 20 U.S.C. Section 1095a et seq. ), will order your employer to immediately withhold money from your pay ... ''. 

They go on to say that I must establish a " written repayment agreement '' with them by a certain date or they " will proceed to collect this debt through deductions from '' my pay. The second paragraph of the first page continues to levy additional threats in regards to garnishment. 

This letter is in violation of multiple FDCPA laws including, but not limited to, 15 U.S. Code 1692e - False or misleading representations, 15 U.S. Code 1692f - Unfair practices, 15 U.S. Code 1692j - Furnishing certain deceptive forms, etc. 

This unlawful attempt to collect on this alleged debt has left me physically exhausted and fearful. The amount of emotional distress is all-consuming because I do not know how far this company will go in their unlawful attempt. 

I would like the Bureau of Consumer financial protection to file an FDCPA lawsuit against PHEAA on my behalf for their behavior in this instant matter. 

Thanks in advance for your assistance in this matter. 

Sincerely, XXXX XXXX XXXX.
This has to do with a Chase/Freedom card I have linked to my Chase checking account, primarily for overdraft/cash advance purposes. On XXXX/XXXX/15 I incurred a cash advance of {$1300.00}. When I received the card statement in the mail, it indicated that I had a balance of {$1300.00} ( advance + interest ) due on XXXX/XXXX/15. I set up an autopayment of this amount via Chase 's online system for that amount to be paid on XXXX/XXXX/15, which was done. Then I received another statement indicating I still owed {$18.00} on the account even though I had paid off the balance indicated on the previous statement. I attempted to work through Chase 's customer service to get a credit for the {$18.00}, to no avail. I asked them this question, and could n't get an answer : " How do I ever know what my 'official ' balance is, if the balance on the statement is not correct? ''
I have XXXX collections on my credit report that have been added by companies that I have never had an account with. One is XXXX XXXX and the other Is called LNLV Funding. I have never opened an account with either go these institutions.
I've had countless repeated phone calls on server al different numbers at gall times throughout the day and night. Also some action letters.
A collection company by the name of Eastern Revenue sent me this letter stating that I owe a debt for {$1000.00}.
On XX/XX/XXXX, I signed up with creditrepair.com to repair my credit. On XX/XX/XXXX, I cancelled the service, but 2 days later, was charged a further {$99.00} despite my cancellation. 

The reason I cancelled the service was because I was not being made aware of any work actually being done, despite numerous requests. In total I paid {$300.00}. After cancelling I have repeatedly asked creditrepair.com in writing and over the phone, for a list of items they removed from my account but they have refused to provide it. I have requested a copy of my file and they have refused to provide that too. 

What they have offered to provide is a copy of my old report and current report - with the insinuation that the difference is down to them - however that would be inaccurate as I have since hired a different credit repair agency who may have made any said changes. 

I believe Creditrepair.com charged me {$300.00} and did not make any deletions to my credit report.
This account was from my identity being stolen and is fraudulent, it is being reported even though it is a fraudulent account I have filed a police report and identity theft affidavit regarding this matter
Company falsely reported to credit reporting company that account was disputed. Never received communication from this company showing the total debt and a contract signed by myself stating that I owed the debt. Recent harrassing calls from a woman who is very rude and threatening. I have disputed with all credit bureaus and company stated that information was correct but again I was notified in writing about the debt.
XX/XX/XXXX RE : Dispute Charges@XXXX Account : XXXX XXXX XXXX I received a letter dated XX/XX/XXXX ( see attached ) for a charge of {$250.00}. I have no idea what this charge is for and have called several times to dispute this charge to no avail. 


XX/XX/XXXX Spoke to XXXX, gave her the details. After about 20 minutes on hold she told me it was for breaking a digital contract. I told her that I dispute the charge and I asked for proof that I signed a contract. She said she notated the account someone would call me back, no call back. 

XX/XX/XXXX XXXX Spoke to XXXX XXXX ID XXXX, said she couldnt help and transferred me to billing. Said she inputted notes into the system. ( on hold for 10 minutes ) XX/XX/XXXX XXXX Spoke to XXXX XXXX ID XXXX, said she was with retention and couldnt help me, she then transferred me to customer service. ( on hold for 10 minutes ) XX/XX/XXXX XXXX Spoke to XXXX and explained again the letter I received. She told me she could not give me her ID. She said the charge was for unlimited digital phone plan from XX/XX/XXXX to XX/XX/XXXX. I told XXXX that I formally dispute this charge and request a full credit for the disputed amount. She then transferred me to her supervisor. 

XX/XX/XXXX XXXX pm XXXX ( supervisor ) said there was an auto renewing contract and the fee to break the contract was {$200.00}. With all the surcharges and taxes on the {$200.00} it came to {$250.00}. Said she would call me back for sure on XX/XX/XXXX, never did. 

XX/XX/XXXX Received collection letter from CCS I had been a very loyal XXXX customer for almost 18 years. I respectfully request that this amount be credited to {$0.00}.
Either send me proof about this debt, such as what the debt is for ( product ) or remove my name from the debt.
On XX/XX/XXXX I filed a fraudulent Dispute that there are multiple unauthorized fradulent charges on my account which totals up to {$9200.00} and My log in user name and password was changed my debit card pin number was changed. I'm not familiar of this citys and locations of this fradulent unauthorized charges that took place on my account I have never visit this cities that The fraudulent unauthorized charges happen I'm not familiar from this cities that a fraudulent unauthorized charges happened and I don't even have a history of being in this Citys that the fraudulent unauthorized charges happen on my account and I'll XX/XX/XXXX I got the final decision from the investigation Department saying that they did not find any error occurred on my account and they have documents to support that, first of all I did not file a dispute that there's a error occurred on my account I filed a fraudulent unauthorized charges dispute on my account, second of all my login has been changed and my Debt card pin number been charged, after knowing all this how can you make a final decision not to credit my money of {$9200.00} that was fraudulent stolen from my account. 
Claim Date : XX/XX/XXXX Claim Number : XXXX Claim Amount : {$9200.00}
I applied for a private loan to cover tuition and educational expenses for the XX/XX/2019 spring semester. Discover denied me. I received a let ter stating I was denied because an item in collections appears on my report. After receiving the denial, I contacted Discover several times to review my denial. The item on my credit report is a medical bill. When I stated this, I was instructed to file an appeal. I completed the appeal and submitted a letter stating the item in collections is a medical bill and can not be included in the credit approval process. I have called several times to discuss this with the appropriate department but customer refuses to put me in contact with them. The department that oversees the credit decisions have pulled my credit report several times but has never spoken to me. The last phone call I made was yesterday, XX/XX/XXXX, and I spoke with a supervisor, XXXX. He also refused to have that department contact me and refused to do anything to investigate the situation. I told customer service and the supervisor that I feel discriminated against.
I'm filling this complaint because XXXX XXXX XXXX because i had a car with them that was repossessed with them do to job cut backs in XXXX. I called them back in XX/XX/XXXX and i was told they no later have the account in their office. I was told to call XXXX XXXX XXXX that's who they sold the account to. I called them and i was told the account was inactive on XX/XX/XXXX and couldn't give me any details on the account that i should call XXXX XXXX XXXX for more account information. Once again i called them and they are still telling me contact XXXX XXXX XXXX for further account information. I called XXXX XXXX XXXX again and they keep telling me to call XXXX XXXX XXXX they both are giving me the run around and both companies are not claiming the debt so i feel like it needs to be removed from all 3 of major Credit Bureaus. When XXXX  repossessed the car they came to a shopping center and took the car when i was in the store and i never received any paperwork from XXXX  after they picked the up. I sent certified mail to XXXX XXXX XXXX on XX/XX/XXXX and i never heard back from them. I called XXXX   again and the lady was really Rude to me and she told me to stop calling they no longer have nothing to do with the account anymore and to call XXXX XXXX Solutions and hung up the phone on me. XXXX has the account on all 3 Major Credit Bureaus showing the open but on the credit bureaus its shows Charged off as bad debt profit and loss write-off. This account should not show a pass due balance and all 3 credit bureaus show different high credit limit amounts and different open dates as well. XXXX is still updating this account with remarks and well which is affecting my credit score. 

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Premier Credit of XXXX XXXX placed a levy on my bank account on behalf of the XXXX. On XXXX/XXXX/15 I called the XXXX on the situation and they recalled the levy and sent notification to Premier which should have lifted the levy on my bank account. I called Premier on XXXX/XXXX/15 to confirm they received the notice and they said they had not. I then called the XXXX on the matter and again they confirm they sent the notification. I then called Premier and they again said they had not received the notification. I made a total of XXXX calls to the XXXX and Premier and over and over again the XXXX confirmed this as a result of looking into their data base which the employee used to send the notification. I also made XXXX calls to Premier and leaving my number for the manager XXXX XXXX to call me back. this was about XXXX. I waited till XXXX on his call to help with the mater which I called him at XXXX. Premier has refused to look into the matter to resolve the issue. Make take on that is they are lying about the matter so they can get the levy and receive the fee. Why would the XXXX make such a story up or lie on the matter!
When I was coached to taking this loan from the school I had no idea what I was getting myself into. I have been unemployed for nealy two years and cant make the payments as it destroys my credit and gives me no shot at getting a XXXX job since they now check credit for employment..
I make a Money Transfer by Western Union from XXXX to XXXX XXXX. I receive a MTCN number for the transaction, but when I went to take the money the western union agent do not have all the money necessary to pay me ( total amount of {$180000.00} - american dollars ). So I receive two checks : one of {$100000.00} and other of {$80000.00}. 
The problem is that when I deposit these checks in my bank accounts XXXX XXXX Bank XXXX the bank refused the check of {$100000.00}, saying that the check does not have founds and close my account and hold this check for many days. When I receive the checks back I try to talk with the Western Union, but I do not receive any answers or help even trying to talk with different agents. The XXXX XXXX Bank refused the check too. 
I would like to take my money in cash as soon as possible. I am waiting for a solution for about 3 weeks and I can not wait anymore.
Mortgage increased by {$200.00} a month. My county taxes have not increased and company is saying I do n't have enough in escrow. I have not missed any payments and have not been in the home for a year yet.
mortgage Servicing company ( XXXX  ) has not paid my property taxes ( {$7900.00} ) despite more than sufficient funds in my escrow ( $ XXXX ).  see attached files. both tax and mortgage statements attached.
1. Delta Management began calling me at my work number, demanding I provide PII ( personal identifying information ). I repeatedly refused, as they would not provide their purpose or authorization to possess such information. Later I went to their website, and seeing they are a debt collector, I feared I must have been a victim of identity theft or mistaken identity. 

2. Delta Management faxed my employer, demanding they confirm salary information for a XXXX XXXX. 

3. Delta continued calling me at my work number. I avoided their calls, but read up on how to handle debt collectors. My credit report is clean, which implied I was n't the victim of identity theft. I froze my credit. I am certain I have no delinquent debt ( all reported debt on my credit statement is as expected ). 

3. Finally, I called back the number they left and recorded our call. They said they would not continue to call me. 

4. A month later, Delta sent my employer a letter demanding they garnish my wages. This time they reveal the SSN and address of the debtor. The SSN and address are not and never were mine.
I was working on getting a consolidation loan through Navient for my federal loans. I had XXXX loans that they told me were ineligible because they were in bankruptcy status, even though my bankruptcy ended in XXXX of 2016. Also, there were accepting interest payments on them, even though they were in bankruptcy status. I contacted them 2 weeks ago and they told me that the loans were no longer in bankruptcy status and to re-submit the papers to add then to my consolidation loan. Then, 2 days ago, I got a letter saying they could not be added again due to them being in bankruptcy status.
CFPB had closed a case based upon their review of a mortgage companies reply to my complaint. XXXX # XXXX. I do n't see why the case was closed without my response to their reasoning
XXXX XXXX XXXX made seven hard inquiries without my permission and now i cant pull a loan out in my name
I signed up with a credit counseling agency to get my debt under control. One of the agency guidelines was to closed my current checking account and open a new one so debtors could get access to my account while the agency was undertaking negotiations. I paid the balance on my checking account to XXXX, and opened a new account with the same bank ( USBank ), and started my automatic paycheck deposits to that new account. But when I paid the balance to XXXX, on my old account, USbank did n't close the account because of pending transactions. I called the service support line and they informed me they could n't do anthing about it until the balance came to XXXX. Because I had several payday loans out, and the bank continued to try and process them as the payday loan companies continuous kept submitting payment request to the bank, the account always had pending transactions. Also, I used USBanks bill pay service. I changed all my bills to be paid out of the new account I opened. The bill pay service continued to try an pay some bills through the old account even though I had cancelled all payments from that account, which led to return check fees. During all this time the returned check fees added up to over XXXX dollars. The bank took over XXXX dollars on my new account to pay those fees. That XXXX dollars was my mortgage, home insurance and car insurance payment. I was not able to make those payments that month. I called the bank branch directly and the person I talked with put a hold on any further incoming payment request which allowed me to finally close the old account. So why could they not do that ( put on a hold ) when I initially paid the balance to XXXX in order to close the accout? With another call they refunded me XXXX return check fees of XXXX each, but said they could n't refund the rest because I did n't call earlier. But I called there service support line twice and each time was told there was nothing they could do. I live paycheck to paycheck and losing over XXXX set me back on many payments on multiple accounts. I cancelled my registration with the credit couneling service because after 30 days after registrating with them, they still had not started negotiating with my creditors, and I filed chapter XXXX bankruptcy. I was trying not to file bankruptcy, but with USBank confiscating over XXXX dollars in return check fees plus the XXXX dollars in fees I paid to close the old USBank account, I did n't see any other way to get my debt under control. I feel USBank could have put a hold on processing any other payment request to my old account when I paid it to XXXX. I then could have referred those debtors to the credit counseling agency I signed up with to negotiation settlements.
Tried disputing several times with Equifax. They wo n't take it off, and half the time their online dispute wo n't even work. Tried talking to a customer support guy about it and instead of addressing the issue, referred me to an article that had nothing to do with my problem and then disconnected on me. The XXXX accounts in question are the primary care partners ones, and I even attached proof that they were paid, which I will do so again. The document shows the credit card charge, which has the collection agencies account numer and phone number listed right there.
I am XXXX y.o. with a XXXX Checking account from Wells Fargo and debit card overdraft protection tied to my savings account. I was charge {$15.00} on XXXX for exceeding what I was told was a XXXX or XXXX transaction limit for withdrawals. That may be correct or not, I 'm not certain. What I do know is I signed up for alerts and received an email saying I was nearing the transaction limit. My complaint : If Wells Fargo can tell when I 'm nearing my limit they should be able to tell me when I 've actually reached my limit and give me the choice to exceed the limit and pay {$15.00} or simply cancel the transaction. I was not afforded that choice and do n't feel it appropriate to charge me {$15.00}. My regular balance is around {$100.00}, so I was essentially charged 15 %. I have to say, for a XXXX, that is a big hit!