WillisBack/dataset-financial-user-claim huggingface dataset:
" Hello XXXX This letter is concerning Prosperity Bank customer REDACTED ( cc'ed ) and a recent check ( Check # 22, {$160.00}, REDACTED, XXXX  REDACTED -ATTACHED ) that he deposited via mobile app at around Tuesday, XX/XX/2018 that was erroneously returned as a " fictitious item/altered tender. '' Full disclosure, I am also copying REDACTED, Chief Risk Officer for Prosperity Bank, and the three Area Chairpersons for the XXXX/XXXX XXXX area where REDACTED banks, as well as REDACTED, the issuer of the check. 

For background, REDACTED is a XXXX XXXX based " XXXX '' company that processes payments on behalf of business partners that include XXXX/XXXX transactions, as well as -and in this case- UCC and XXXX image compliant digital check images optimized for mobile deposit, and that meet the XXXX definition of a valid check. 

We understand from your customer, REDACTED, that his mobile deposit of the check was rejected as " fictitious item/altered tender. '' While I am not in a position to second guess your algorithms and policies that arrived at this conclusion without communication with the XXXX, I will say that it was 100 percent incorrect in this situation, denying your customer pay to which he is entitled. 
If it pleases your Chief Risk Officer, I am also happy to refer you REDACTED Cybersecurity and Fraud Intelligence officer REDACTED, with whom I work with on a daily basis in my capacity as Head of Fraud Detection at REDACTED. He would be able to validate the check as authorized by checking in with the account holder.

Also, you may simply check with the actual originator of the check, REDACTED, who is included here.

The resolution of Prosperity Bank 's error is between Prosperity and REDACTED ; I hope that the information and resources offered may only assist in that resolution promptly.

Best, '' Despite this, Prosperity Bank disregarded protocol and did not accept the check for processing, nor check in with the XXXX  account holder.
XX/XX/XXXX I took out a private student loan from XXXX XXXX/Navient. The disbursement amount was {$32000.00}. XXXX XXXX/Navient was vague with regard to the terms, interest rate and repayment options from the start. Every time I called with questions they pushed me into forbearance or deferment. They told me I didn't qualify for income based repayment, refinancing or any other options. I have attached the account ledger wherein it is clear that Navient capitalized thousands of dollars of interest during forbearance or deferment periods. I was never given other repayment options despite calling repeatedly. Even when I filed a previous complaint with the CFPB the response from Navient again suggested forebearance as a solution. Forebearance only benefits Navient and is NOT a solution to my problem. My original loan amount was {$32000.00} as of XX/XX/XXXX. Navient has increased my loan amount, interest rate and payments creating financial hardship and a loan that I will NEVER pay off. As of today, XX/XX/XXXX I owe {$35000.00} and have an interest rate of 7 % and my payments are {$350.00} per month. Navient has not properly or legally serviced this loan in the best interest of the borrower. Their actions are only in their best interest. To date I have paid a total of {$27000.00} on my loan of {$32000.00} and I still owe {$35000.00}!!!! I will never pay this loan off. Navient also does not apply the correct amount to my principal therefore racking up enormous interest balance on my loan. This loan that I have paid on for over 10 years will take me another 20 years to pay off and that's if they don't keep raising my interest rate. I am asking for LOAN FORGIVENESS. Navient is engaging in illegal loan servicing practices and I am requesting borrower relief. This loan and previous forbearance and deferment have drastically hurt my credit and will continue to do so for the next 20+ years. I have contacted Navient on several occasions asking to refinance, lower my interest rate, renegotiate loan terms, repayment options ( the only repayment option they say that I qualify for is forbearance or deferment ) which is NOT in my best interest. Please help. I would be willing to settle the loan for the difference between my original loan amount and what I have already paid for a total settlement amount of {$4900.00} in a lump sum payment. This is a FAIR resolution. I want settlement or total loan forgiveness! Thank you.
I have been on income based payments for the last 2 years. However, the income based payments have to be renewed yearly, but I never receive a notification warning me that my payment plan is changing and I am enrolled in automatic payments. There is no email or correspondence guiding me to renew my income based plan. So 2 years in a row I have found that Navient goes from taking my income based payment, which is around {$35.00}, to my original payment, which last year was roughly {$300.00}, to this year 's, which was {$510.00}. Not only am I struggling financially to pay that amount, as I didn't even have the funds in my bank account, but I have a 5 month old child to take care of now. Last year I played telephone tag with Navient in hopes that they would reverse the payment, and never successfully got in touch with someone, so I gave up. I just attempted to contact them this morning regarding the {$510.00} and got disconnected both times without the option of leaving a voicemail message.
I 'm writing to report illegal interest charges on my mortgage account with Freedom Mortgage. I refinanced with Freedom Mortgage, and my closing date was XXXX/XXXX/2016. On XXXX/XXXX/2016, I sent in payments totaling {$6300.00} to cover my statements due for XXXX 2016, XXXX 2016, and XXXX 2016. In addition to sending in these advanced payments, I e-mailed the company to ensure they knew that my payments were meant to be put towards future months, and that as a result, I should not be charged interest for the months of XXXX and XXXX because I 've paid for those months in advance. However, for the past three weeks, I 've been calling Freedom Mortgage because they 've applied my payments incorrectly and have charged me an additional {$1700.00} in interest for the months of XXXX and XXXX, which have not even arrived yet. At the time of my payment on XXXX/XXXX/2016, I had n't even reached the XXXX/XXXX/2016 due date for the XXXX payment. When I called in to speak to several supervisors ( XXXX, XXXX, XXXX, XXXX, and XXXX ), they each have told me that even though I 've paid for XXXX and XXXX well in advance of those months accruing, they are charging me interest regardless. There have been exactly XXXX days between my XXXX payment and my XXXX and XXXX payments, which means that I have accrued exactly {$0.00} in interest for those months based on the terms of my loan, however, it is nearly a month since I 've been going back and forth with this company to have this corrected. XXXX even told me that I was not allowed to send in more than 3 months of payments in advance towards my account. I would like to file a formal complaint with the State of New Jersey and all appropriate government agencies related to this problem. Please contact me as soon as possible to help me resolve this problem.
Hello, I opened a Wells Fargo checking accounts more than 4 months ago. ( Precisely on on  XXXX  2017. ) There was a 250 usd bonus tied to the account opening in case I perform the following actions : -two direct deposits or 10 transactions on my debit account.
I clearly did more than 10 transactions during the first month.
It 's been more than 4 months and I still haven received my 250 usd bonus money.
I called wells fargo several times, and they are not being responsive.
I need my deposit asap!!!
I feel cheated!
 XXXX
All XXXX credit bureaus, XXXX, XXXX, and TransUnion are reporting a state tax lien for me, dated 2011. I am including a screenshot from my visit to the Georgia Department of Revenue website with my last name used in the search criteria to show that there are no unpaid taxes in my name. I have sent disputes to the credit reporting agencies and have received follow-up very quickly that the reporting is accurate. I am writing to see if you can assist with this.
Banana Republic Credit Card Services intentionally obfuscates the process for changing your automatic billing. Whenever you try to change your autopay ( no matter how far in advance of the payment due date ), it cancels your your previously scheduled autopay but does not put in place your newly requested payment amount until the next scheduled payment. Banana republic does not clearly inform you that no payment will be taken out on the next payment due date until XXXX day after the payment is due. This has resulted in fees. Secondly, Banana Republic took out XXXX payments this last month : XXXX was the payment I authorized for the full amount due. The other was a separate billing for {$750.00}, which I did not authorize. When I called customer service, they could not inform me why this second payment was taken out. The second billing caused my bank account balance to go negative and caused me to incur an overdraft charge from my bank. Banana Republic refused to refund my money unless I went down to the bank and got them to fax over a form confirming that they had accepted both charges, despite the fact that Banana Republic was crediting my account with both charges. I finally ended up cancelling my card. Banana Republic would not refund the overdraft fee the bank charged me.
I received a prepaid {$26.00} XXXX Citibank XXXX card as a refund for overpayment after cancelling my service in XXXX 2015. I recently discovered that Citibank XXXX has charged a monthly {$3.00} account maintenance fee since XXXX for not using the card on a monthly basis. This has caused the card to go down to {$14.00}. When I contacted Citibank they said that this was the terms & conditions that XXXX initiated. I did not agree to these Terms and would not agree to such terms since this is a refund of services paid.
Equifax is refusing to allow me to place a freeze. It is insisting on a written request. The information it is wanting me to submit in writing is no different than what was already provided on the online form. It provides no explanation. My wife and I are both working on the accounts. One went through no problem ( same addresses, etc. ). The customer help phone number simple says that department is not available. How much more damage would be done while waiting for the written response? Who will compensate me for all my lost time working on this issue? When did I ever opt-in to be an Equifax customer? I am damaged by this. I expect California to file suit against Equifax to recover the damage. 

Thanks, XXXX XXXX
My home loan was transferred in the XXXX to Seterus Inc . I paid an amount of {$670.00} monthly for my mortgage. Without any prior notification or proper explanation my payments increased to {$1100.00} in the XXXX. They then sent me a notice claiming I owed an excess of {$6000.00} on my escrow account. I have been disputing their claims since XXXX of XXXX. I 've called them repeatedly since that time. A customer service person eventually told me it was a combination of flood insurance for XXXX and XXXX, that was the reason my escrow was negative. I do not nor have I ever acquired flood insurance through my lender. When I was informed of this I sent my flood declarations for XXXX & XXXX. During this time I did pay my mortgage with the excessive fees. They did credit my account back for {$3100.00}, however they did n't refund the money owed from the payment I did make with the excess fees. My mortgage payment then became {$710.00}, I still have no idea why it is n't {$670.00} that I previously paid. During the month of XXXX without any explanation they increased my mortgage to {$780.00} and now it 's at {$840.00}. When I called on XXXX XXXX and inquired about the increases, their customer service person stated that I still owed for an escrow balance from XXXX. I then informed him, that I did not owe and I had sent in my proper documentation to confirm this. Upon further research he stated that, I did not owe Seterus because I pay my flood insurance and home insurance myself not through the lender ; and my payments should be reduced to {$710.00}. The reduction in my payments still have not taken place.
I applied for an XXXX XXXX XXXX XXXX card in XX/XX/XXXX after seeing an advertisement on the company website in XX/XX/XXXX. The ad stated XXXX bonus points after spending {$1000.00} in first 90 days. I made {$1000.00} purchase within 30 days. When I called AMEX for the bonus XX/XX/XXXX, I was told, it will appear in my statement. It did n't show in my statement. I called AMEX today and was told that I had a similar card in XX/XX/XXXX that was cancelled in XX/XX/XXXX. The fact is the card was cancelled in XX/XX/XXXX. I am concerned that if AMEX ca n't keep track of the accounts, it does n't give me a good feeling about the security and reliability of their products. This is not an isolated incidence. There are other serious issues also with AMEX cards, one of them being canceling the card without customer authorization or discussing with the customer. I would like CFPB to do further investigation into the IT systems and processes of AMEX that leads to such issues.
About a year ago I had received a phone call from a company called FMR ( Forward Movement Recovery ) saying that I owed on a payday loan. When they had first contacted me they had said that they needed to know my location and whereabouts. When I contacted them they had said there had been a claim filed against me. I asked who was this so called payday loan company and their response was oh probably like a XXXX XXXX XXXX. I had panicked and started to pay them so I would get sued. I ran my credit report to see what things I had in collections and when it came back I had nothing that was in collections from a payday loan company. I called my bank and had them cease any future transactions that were scheduled to run from FMR. Since that point on, I had not heard anything from FMR. Fast forward now to XX/XX/2018 and they are calling my phone again saying I owe them for a payday loan. I ran my credit report again and dont have anything in collections for a payday loan. This needs to stop ASAP before I file a lawsuit for harassment and extortion and I will take it to my state attorney general and the FBI.
I am a victim of identity theft. Several years ago someone broke into my office and stole several ID documents, including my social security card, driver 's license and passport. I filed a police report with the XXXX Police Department. The XXXX   approved my report and gave me the official report number # REPORT NUMBER : XXXX I have attached a copy of the report to this complaint. 

Upon checking my credit I found an item from " XXXX '' for an auto loan. Upon doing some digging I found that this loan was obtained from an auto dealership. 

I have never done business with this dealership. 

Several bank accounts were opened in my name and used to pay for several fraudulent loans also taken out in my name. This loan was not authorized or used by me. I received no personal gain from this loan.
Currently CPS has reported several years worth of negative payment activity on my credit report and now the account has been labeled as charged off. Based on my account history all payments were current and to date until I was scammed into stealing the car where another car dealership agreed to pay the reminding loan balance to retrieve the title. Several months later after the account became seriously past due I was advised that the account was never paid off and the account was past due. I spoke with several account reps at CPS to explain the situations to avoid the daily calls and harassment. After realizing that 's the auto dealer was a scam and no longer in business I reached out to CPS requesting a settlement to clear the debt. CPS denied the settle and now has the account marked as serveley past due and in collections.
I have valid Health Insurance include family covered under my insurance. My spouse went to Local XXXX XXXX for routine blood work get done as script written by Doctor on XXXX/XXXX/XXXX and done successfully. but later we received bill from XXXX collection agency for amount of {$550.00} and found that Insurance company denied claim based on wrong diagnosis code. So I called them and made conference call between XXXX, Doctor 's Office and Us to change diagnosis code in order pay by Insurance company, since then XXXX submit claim again with same diagnosis code and Insurance company denied claim again and we received XXXX collection Notice again then I contact again but diagnostic code must be change from doctor office nothing my part to do something that insurance co. make payment. As per our Health Insurance company Lab service is 100 % covered and XXXX is Preferred Provider on Insurance book. Recently I got called on my cell phone on XXXX XXXX, XXXX from another collection agency named AMCA ( American Medical Collection agency ) even I did not receive any notice in the mail when they call me on my cell and ask for My spouse laboratory bill in amount of {$550.00} You ( I am ) responsible because Insurance contract on my name and my spouse covered under my insurence. after long discussion representative transfer to supervisor and he told like this " If you did not pay this amount we will report to Credit Reporting Agency. '' even debt is on spouse name, thus I am victim of debt and supervisor said Insurance is under your name. After the end of conversation I called my Insurance company and explain situation and matter then Insurance representative called doctor office, XXXX while put me on hold. finally root cause of problem that something must be done through doctor 's office in order to pay this bill and as of now may under processing. I told to insurence representative that I received phone call from collection agency ( AMCA ) then she called AMCA and talked to collection representative. so conclusion is why I am responsible when medical debt is another member in family and they threatened me to report on my credit file something I did not did wrong. Please investigate this matter and find who is at fault make steep punishment!
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX-XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
I received a collection from XXXX XXXX on my report. I have never heard from them. No contact. No 30 day letter to respond. Nothing. This is not mine. My husband went to hospital not me. He is XXXX. I am XXXX. How can this be mine. I would not like proof. Not a bill. But proof it is mine. My name has been changed to XXXX XXXX XXXX recently. Thats when I received this ding to my report. It is my culture to take my husband name. These people must send me a letter to ask if it is mine. I got nothing in my name.
I 'm complaining because I got a recorded call ( not a call from a real person ). The recording identified the company as ERC. The phone number of the incoming call was XXXX. The recording instructed me to call them and gave me a reference number of XXXX. I 'm not going to call them. Thank you.
This business has been told numerous times to call and leave a message and I will call back as soon as possible and has been told numbers times to not call my place of work and has done so anyways and has caused me to be written up and I have now been threatened with losing my job because of their continued calls. They have also called family members pretending to be someone who has an emergency and is in need of getting in contact with me right away and sending them into a panic thinking there is a real emergency happening.
XXXX, Experian, XXXX, have been reporting incorrect items on my credit which my family and I tremendous turmoil and hardship. I have submitted a total of 3 letter disputing the issue including submitting court documents reassuring my claims to no vial. 
enclosed, please find letters with supporting documents previously sent to the companies above.
I purchased XXXX XXXX total of XXXX dollars purchased from coinbase when XXXX was at XXXX dollars on Saturday got the purchase successful message and was expecting the coins to be deposited as was shown on successful message. Coins never showed up in wallet or account. Now going value for XXXX  is XXXX dollars and I am missing the XXXX coins I purchased and the profits from the growth in value. I am very unhappy that there are no people to talk to at coinbase and they have yet to deposit the XXXX XXXX I purchased as well as as the fact that I am losing profits from the investment I purchased on Saturday. The resolution I want is for them to deposit the XXXX XXXX I purchased immediatly.
My name is XXXX XXXX XXXX, XXXX and I would like to file a complaint against Wells Fargo Bank. Back in the month of XXXX, 2014, my wife XXXX XXXX and I applied for a mortgage loan with Wells Fargo Bank. Initially my wife and I were included on the loan application for the purchase of the XXXX XXXX XXXX property. However, the loan agent recommended that the loan should be in my name since it was questionable about the loan being approved with both my wife and I. Therefore, we accepted his advice and moved forward with me as the loan applicant for the purchasing of the house. The agent was working with my wife on my behalf to handle all the necessary paperwork to make the purchasing of XXXX XXXX XXXX property become a reality. The house for purchase was a XXXX house which needed to be rehab. Wells Fargo requested that we have to have this house inspected by a company which they must approve and that the company must be authorized to supervise and sign off on rehab work. My wife and I paid {$800.00} to get the inspection done with a company Wells Fargo had approved for the inspection. 
After the inspection was done and we found out that the roof repair estimation was incorrect because it was for a shingle roof instead of a slate roof. We paid a roof specialist {$250.00} to inspect the slate roof and received a more accurately amount of cost to repair the slate roof or change it to a shingle roof. My wife had forward this information to XXXX XXXX by email since she was working with him on getting all the necessary paperwork done in a timely matter. He had conveyed to her over the telephone that he suggests that we let the house go and my wife informed him that we would like to still proceed with purchasing house. We had over {$50000.00} cash in our savings and were willing to sign whatever documents of Wells Fargo to assure that we would pay out of our pocket for a brand new shingle roof to be installed. However, XXXX XXXX did not return any of my wife 's numerous phone calls, voice mails and emails. My wife explained this to me and she discovered after talking to our real estate agent, that he was returning his calls. My wife felt disrespected and wonders if she was not an XXXX XXXX would things have been handled differently. 
It is my belief that Wells Fargo should compensate my wife and I for the {$800.00} we paid to get the inspection which was requested and for the {$250.00} roof and inspection since the company that Wells Fargo approved for the inspection had made a mistake of the repair estimate.
The company has never sent me a notice of the debt, and has simply reported the debt to the XXXX credit reporting companies.. When sent a request for verification of the debt, the company said they they could not provide me with the information until I provided them with a utility bill or insurance card with my physical address on it. I do not have either of these because I do not pay such bills. They refused to accept a copy of my state-issued drivers license, and will not provide any information about the debt besides for the balance, which I do not believe I owe.