WillisBack/dataset-financial-user-claim huggingface dataset:
I had just paid XXXX with my debit card for an amount of {$120.00} so my services to my cable would not get interrupted because I moved out of my previous apartment and transferred my services on XX/XX/2018. 

XXXX ended up drafting money out of my Chase checking account for {$370.00} which i did not authorize and I had already had charges pending on my account and XXXX allowed this transaction without my permission. 

and now I have 3 insufficient fees of {$34.00} which totals {$120.00} and now my account is over drawn - {$500.00} dollars I've contacted XXXX, and also I've contacted FCC as well as the FDIC on this issue and I did submit an complaint with the CFPB and I am not getting a response in regards to this problem on my account I get Social security and is on a fixed income this problem needs to be addressed immediately thank you.
I received a statement from American Express for {$600.00} that is not the result of any purchase whatsoever. It was a dormant account that american express used to generate late fees and membership fees with no actual usage. Over the phone American Express said they can not even find any purchases as they could see in there system.
AFTER REVIEWING MY RECORDS I FOUND CHARGES ON MYCREDIT CARD I DID NOT APPROVE SO I CALLED WELLS FARGO AND LET THEM KNOW. THEY PROMISED I WOULD HAVE THE CREDIT WITHIN 7-10 DAYS, AFTER 14 DAYS I THEN CALLED AGAIN AND THEY SAID THJAT THE FIRST PERSON I SPOKE TO NEVER PUT THE FRAUD CLAIM IN SO THEY THEN TOOK THE CLAIMS AGAIN FOR XXXX XXXX XXXX {$2100.00}, AND XXXX XXXX XXXX {$790.00}, XXXX XXXX XXXX {$740.00}, AND XXXX XXXX XXXX {$39.00}. THEY SAID IT WOULD BE RESOLVED AND I WOULD BE CREDITED IN 7-10 DAYS THEN A FEW DAYS LATER I AM TOLD THAT IT IS TO OLD, AND THAT THE COMPANIES CLAIM THAT IT WASNT FRAUD. FOR STARTERS BEFORE I CALLED I DID RESERCH ON EACH COMPANY TO MAKE SURE I DIDNT KNOW WHO THEY WERE AND MOST ARE SCAMS THAT ARE NO LONGER IN BUISNESS SO HOW COULD THEY SAY THAT I OKED THE CHARGES AND SECOND IT SHOULDNT MATTER HOW OLD THEY ARE I DID NOT APPROVE THEM AND MY BANK IS SUPPOSED TO COVER ME FOR 7 YEARS. HONESTLY I FEEL AS THOUGH I AM BEING BRUSHED ASIDE ANDI WILL NOT STAND FOR IT.
After 24 years with USAA Federal Savings Bank ( I know it 's 24 years because they end every call with 'thank you for your valued membership for 24 years XXXX ' ), they closed our bank accounts, and have refused to give any reason. They also are holding all our funds for 30-days. I 've tried talking to as high up in management as possible, but continue to get the same answer, " that it was a legal decision within their rights from the review board and the review board does n't take calls or have to answer why. '' Luckily for us, we had another bank account, otherwise we 'd have no money right now. So warning to others, make sure you have at least accounts and money with at least XXXX different banks.
In XXXX I first had fraudulent activity on my personal bank card while traveling. My bank notified me and I didn't think much of anything to be worried because they handled it expeditiously. A few months later I lost my drivers license, following I noticed other credit cards of mine had fraudulent charges appearing and I disputed them with each creditor. Then at the end of XXXX my Citibank business/govt travel card was compromised. Unaware my work accounting dept. notified me of an outstanding balance and advised me go through the six previous statements that I had been on travel. I then disputed all unauthorized charges with Citibank through their fraud/avidavit process. Unresolved I've had to continue to dispute each account due to the fraud being beyond the 60 day cutoff for dispute. At the time of the fraud I was misinformed and ill advised of my options and didn't know to file a police report, identity theft, or place a credit freeze. Additionally I have filed a police report of Identity theft and for the past three years I have a credit monitoring agency dispute these and other unauthorized accounts. Unauthorized accounts still continue to show up on my credit report as recent as XXXX. Citibank refuses to removes the fraudulent charges eeven after I had disputed them repeatedly. They are operating under the loop-hole that the charges were not disputed within 60 days of the transaction date as stated before I was unaware of the fraud because the account was a government travel card statements did not come directly to me.
We are filing a complaint because our mortgage lender is Ocwen Loan Servicing and they have posted a sale date on our home less than 30 days from receiving a notice of such actions. We previously had filed a complaint against Ocwen for failure to apply all of our chapter XXXX bankruptcy payment disbursements. As a recap out of {$8300.00} in payments paid directly to Ocwen from the US Trustees office, only {$5100.00} has actually been applied to our loan. On XX/XX/XXXX, agent named XXXX ID # XXXX, advised us that since we filed the complaint with the CFPB, on XX/XX/XXXX, there had already been some adjustments made to our loan in the amount of {$150.00} on XX/XX/XXXX. The agent went on to say that there would be additional adjustments made and we would be notified once the problem had been fully addressed. To this date we have not heard anything further and out of nowhere we received a sale date notice dated for XX/XX/XXXX, indicating a date of sale XX/XX/XXXX. This is a violation to Tennessee foreclosure procedures law. The laws that govern Tennessee non-judicial foreclosures are found in Tennessee Code, Chapter 21 ( Proceedings in XXXX ), Part 8, 21-1-803 ( Foreclosure Sale ) The Foreclosing attorney for Ocwen which is, XXXX ( XXXX ) 1. XXXX has failed the following actions required by law : Prior to initiating a foreclosure the trustee or other party conducting the foreclosure must notice the borrower of the sale at least twenty ( 20 ) days before the sale and publish the notice of foreclosure sale for at least three ( 3 ) weeks in a newspaper of general circulation in the county in which the property is located. The first publication must be twenty ( 20 ) days prior to the sale date. If no newspaper is available the notice must be posted in at least five ( 5 ) public places, including the courthouse and the property being foreclosed at least thirty ( 30 ) days before the sale. 
Furthermore, since XX/XX/XXXX, my loan has been under review for modification assistance with confirmation of a full complete package as of XX/XX/XXXX. Ocwen is refusing to postpone the sale date and this is considered " dual Tracking '' a federally prohibited offense by mortgage servicers, explicitly Ocwen since the National mortgage settlement. Ocwen is attempting to strip all positive equity from my home and have ultimately forced our home into foreclosure by refusing review of my modification request package.
In response to previous complaints on behalf of Bank of America, outrageous display for taking my very little money and locking me out, then stating they will no longer do business with me. First attempt early XXXX, second attempt XX/XX/XXXX, has caused a lot of issues. As I stated in a recent complaint yesterday, I couldn't go to my doctors appointment, I lost my medications for the entire month and part of next month. I am responsible for my mother 's medications as well, and her doctors appointments. Which is gas and co payments! I CAN'T CONTINUE LIKE THIS FOR ANOTHER LONG DRAGGED OUT WEEK! The bank sent me a letter stating my account will be opened on XX/XX/XXXX, and everything will be the same, with a balance of XXXX!!! What? This situation was not my doing or fault! I WON'T MAKE IT, YES I BELIEVE I AM ENTITLED TO PUNITIVE DAMAGES COMPENSATION, MY BILLS HAVE DOUBLED AND NOBODY WANTS TO HELP ME! I PRAY THEY DON'T PICK UP ME VEHICLE. I NEED MY MEDICATION, MY MOTHER NEEDS HERS, I DON'T WANT HER BACK IN THE HOSPITAL, MONEY FROM ORGANIZATIONS GOT IT BACK AND ASKED WHY? THEY WILL ONLY TRUST DIRECT DEPOSIT. I AM COMPLETELY STRESSED OUT, XXXX XXXX IS XXXX  XXXX, VERY LOW ON XXXX MEDS AS WELL AND I HAVE NO MORE XXXX IN MY BODY TO PRODUCE XXXX. I DON'T UNDERSTAND WHY THEY ARE BEING CRUEL, JUST PLAN EVIL. I HAVE BANKED WITH THEM FOR SO LONG ... .. PLEASE, PLEASE HELP ME!!
XXXX XXXX OF XXXX XXXX XXXX XXXX, WI XXXX HAS PLACED A NEGATIVE COLLECTIONS ON MY CREDIT REPORT EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX XXXX XXXX, XXXX XXXX MI XXXX. THE ACCT # IN QUESTION ON MY XXXX CREDIT REPORT IS : XXXX. I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH XXXX XXXX XXXX XXXX XXXX   WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE 720 - 780 RANGE. 

EXPERIAN IS STILL REPORTING THIS INACCURATE INFORMATION AFTER I SENT THEM THE USPS POSTAL INSPECTION SERVICE REPORT FROM THE CRIMINAL INVESTIGATIVE DIVISION SIGNED BY XXXX XXXX, MANAGER AND COURT DOCUMENTS SHOWING THE ORDER OF A FINANCIAL CONSERVATOR AND REPLACING ME ON ALL FINANCIAL DECISIONS AND MY LOSS OF CONTROL OVER MY FINANCIAL ACCOUNTS.
Experian is reporting a tax lien with incorrect information. I 've called and sent in requests for information to be removed with no help. They continue to report inaccurate information which has hurt my personal life moving forward. I have been denied credit and or rental requests due to this inaccurate information. They need to reveal the verification they 've done or remove asap.
XXXX XXXX keeps selling to bill collectors a charge that is not mine. The CFPB has assisted me in the past in getting this resolved. A new company is now trying to collect it. Please tell them to stop harassing me for a debt that is not mine.
This is an official complaint on BMW Financial Services XXXX XXXX. Approximately around the month of XXXX 2014 I traded in a XXXX Lease at the XXXX XXXX BMW dealership. Upon communication between these two institutions XXXX dealerships ) it appears that the payoff amount gathered was incorrect and grossly miscalculated. The amount supplied by XXXX XXXX XXXX to BMW Financial was short approximately {$6500.00}. At the time of the transaction taking place none of this information was disclosed to me as these XXXX entities communicated with each other accordingly as their processes are internal within the financial departments. Therefore, due to their lack of accuracy and efficiency I have an outstanding delinquent amount due that is being reported on my credit. I have made numerous attempts with the credit reporting agencies, along with numerous communications with both dealerships XXXX XXXX XXXX & BMW Financial XXXX to no avail. This is seriously placing a blemish on my credit report and as a business owner this is also inhibiting future growth and expansion. 
Your prompt attention to the severity of this complaint would be greatly appreciated.
I received a letter reflecting enrollment in XXXX XXXX, in which I was charged. The account ending in XXXX is not familiar to me at this time, but your letter from XXXX, OR stated all information I list here. The letter stated a Customer Reference # : XXXX Your letter to me is dated XX/XX/XXXX and was received at my XXXX on XX/XX/XXXX. Your letter had no phone number listed in which I could contact you ( I see it is listed on this webpage, which was ridiculously difficult to find, even with the web address you listed in the letter ).
On XXXX XXXX, I went to XXXX XXXX XXXX in XXXX to lease a car. They use ALLY bank for the leases. Ally says the can not lease du to information on my credit report that Ally got from a company called XXXX. I contact XXXX to get a copy but no one ever answers their phone ( XXXX ) or returns a phone call if you leave a message. I contacted Ally and since they have no employees who can speak English they kept transferring me around. 4 transfers and no one who can answer a question about credit reporting.
Dear CFPB : The ONLY Bank of America office and ATM in XXXX closed its doors recently ( XXXX ). The sign on the door instructs us to go to XXXX of SEVERAL locations in XXXX County. So now we have to travel many miles outside the county to go to the bank. The officer, XXXX of the B.O.A. in XXXX I complained to explained the XXXX County BOA did not have enough customers to justify keeping it open. Even their brand new Automatic Teller Machine ( ATM ) was gone. That area is booming, so that excuse does n't hold water. Given the willy nilly nature of BOA 's " Here one minute and gone the next '' attitude, it is obvious our State or Federal banking regulators are cutting ( them ) too much slack. We 've been BOA customers for many many many years and the notice taped to the bank 's front door is an insult - IT DOES NOT MATTER WHAT BANK OF AMERICA 'S EXCUSE WAS. Thank you.
I believe I have XXXX loans from XXXX and would like to know if they were included in the CFPB settlement.
We have a case here of fraud. The consumer used our service with our company XXXX XXXX XXXX, damaged our RV, and we sent a ton of pictures and documentation/contracts to the credit card company after they did the charge back for services rendered without requesting information from us, the business owners. This is not allowed, they must ask first for information and then determine if its legitimate. There is nothing friendly or pleasing about friendly fraud. Friendly fraud is an industry term which refers to a fraud which results from a customer making a purchase with his or her own credit card, receiving the merchandise and then filing for a chargeback. This involves dishonest people who would like to keep the merchandise without actually paying for it. This is what happened to us and we have been victimized for years due to this fraud. 
In the offline world, this is known simply as shoplifting or stealing. However, this is tolerated on the Internet, thanks to chargebacks. We expect this debt to be erased immediately or we will take further action. The documentation, we assume, is on file with this collection agency. Please publish this situation as something needs to be done about their dishonest business practice. All anyone has to do is read reviews online to see all the issues with the original company : XXXX. AND they are out of business .... not surprised. XXXX XXXX. Therefore there is no way to dispute this situation with the original creditor. This is so shady all the way around. Again, we assume this " collection '' company has all the original documentation?
I hereby file this complaint as the servicer of my student loans is once again destroying my overall credit rating without provocation. As you can see from the several postings on all of my credit reports, the problem is very simple to understand. XXXX XXXX XXXX   has the worse history in dealing with the public. My payment history would show a perfect payment history, then suddenly in XXXX of XX/XX/XXXXthey would report all four student loans as an immediate 90-days late, then 120-days late for two months, then back to paid on time. Then once again starting in XXXX of XX/XX/XXXX they would report all loans as 90-days late, all the way up to 180-days late, then a paid on time rating. Now starting in XXXX XX/XX/XXXXthey once again report all loans as 90-days late up to 120-days late, then back to paid on time. At no time is there ever a 30-days late or 60-days late. XXXX XXXX XXXX is destroying my credit history, even though I make my payments on time every month. XXXX XXXX XXXX has a contractual agreement with all three credit bureaus. That agreement, called a subscriber agreement, is very clear that the credit reporting entity must abide by the rules and report properly. This is not the case in this matter. XXXX XXXX XXXX  is not only destroying my credit, but at the same time they are violating my rights under the Fair Credit Reporting Act. This practice is nationwide where XXXX XXXX XXXX has no concern for the general public. I need this to come to an end, and I need the late payment history deleted completely. I have once again filed a hard copy complaint to XXXX XXXX XXXX, but I anticipate that they will do nothing to clear my payment history. I will follow through with complaints with the Office of Attorney General, XXXX of Massachusetts next. I need my payment history fixed immediately!!!
I am in receipt of HSBC 's response regarding account number XXXX, dated XX/XX/XXXX. In their response, HSBC has the audacity to state, " While in operation, it was the policy of HSBC to conduct its business in full compliance with the letter and spirit of the laws and regulations of every community in which it operated and to adhere to the highest ethical standards. HSBC does not participate in, support, or condone predatory lending and servicing ''. Really ... ... ... In contrary, headlines state differently as evidenced by such : XX/XX/XXXX. HSBC agrees to {$760.00} million settlement with DOJ over pre-crisis mortgages Plus {$26.00} million settlement with Massachusetts. many of these loans were presumptively unfair under Massachusetts law because they had debt-to-income ratios over 50 %, included substantial prepayment penalties, had loan-to-value ratios over 97 %, and included other problematic features. Case in point account number XXXX. Beneficial 's solution ; sell these toxic mortgages to XXXX XXXX XXXX, XXXX and others and offload the problems. HSBC continues to insufficiently address my concerns with my parent 's alleged enforceable loan. They have yet to explain to me on behalf of my deceased parents how the legal description in the loan documents does not match the alleged security interest they sold to a third party to avoid further scrutiny. Not to mention, addresses, zip codes, credit reports, appraisals and title searches contain numerous errors. Fraudulent and predatory to the core. I demand an investigation into these matters. Who did they sell my parent 's alleged loan to? Why has an assignment not been filed? Does my parents have any obligations to HSBC or XXXX XXXX XXXX at this point? Has HSBC conducted any investigation into the defective legal description noted in alleged loans dated XXXX, XXXX and XXXX? What have they done about it?
XXXX XXXX XXXX? I have never heard of them and they are reporting a credit score that is wrong. I just received a letter with them being a credit agency like XXXX the address shown for sagestream is XXXX XXXX XXXX XXXX XXXX ca. XXXX. 
telephone number XXXX XXXX XXXX. 

who is this?
During the month of XXXX, I sent out letters to the U.S. Bankruptcy Court in XXXX, FL as well as XXXX, Equifax and XXXX   requesting that the bankrupcty discharge on my credit reports be removed because they are inaccurate and non-verified because the courts do not verify with CA or third parties.
XX/XX/2015 I made an automated payment to Suntrust Mortgage for my XX/XX/XXXX payment. The automated payment was made before XX/XX/XXXX over the phone where I had to enter my account information by touchtone phone. I noticed after a few days that the payment had not been withdrawn from my bank account so I called Suntrust to see if there was any issue. They said they had gotten my automated request for payment and there was NO issue, and that the payment should be withdrawn within just a few days. More days had gone by and it was becoming increasing close to the end of the month and still not withdrawn from my bank account. I called Suntrust again and had gotten the same response, we have noted on your account that you made an automated payment, just give it some time to hit your bank. On XX/XX/XXXX, there was still no withdraw for my XX/XX/XXXX payment so I called Suntrust again. A man told me that yes he sees the automated payment, however, the account number was not entered correctly so the payment was now late. I immediately gave him my information to make my XX/XX/XXXX and XX/XX/XXXX payment and it was withdrawn from my bank account. I asked if there was going to be a hit on my credit for a late payment and he said likely not. On XX/XX/XXXX, there was a late payment noted on my credit report for my XX/XX/XXXX payment with Suntrust mortgage. I called to speak with someone and they said they had no resolution other than apologizing for not informing me of the mishap in the 3 prior times that I had called to ask if there were any issues. I never have been late on my mortgage payment prior to this, or there after. I still have a 30 day late reporting to my credit report after MULTIPLE attempts to rectify the situation immediately.
I rented a home, and subsequent to my move out inspection, which was signed and dated by me, I was sent a different fabricated move out inspection form which was inaccurate and had on it whatever the company decided to add. I then was sent a deposit reconciliation form with inaccurate and inflated charges. To which, I repeatedly wrote to them, sending them pictures of the preexisting condition of the home. They have since responded by not reading the documentation I submit and reassigning me to a new property manager after the end of my lease. Asking or requiring me to resubmit all the documentation I had already submitted to the property manager who was in charge at the termination of my lease and who did the final inspection with me. They have ignored my emails and unilaterally sent my file to debt collection. Who in turn calls me and states to me that they will be sending me written correspondence to my office in Florida, however the documentation never arrived and there was a collection added to my credit account shortly thereafter. In addition to the pictures and email of the pre existing conditions of the home. I also have multiple witnesses who assisted me during my move out to clean and replace items that needed the same. Its quite clear that some of the things they are trying to collect from me for are fraudulent and or exorbitant and I have proof in pictures, witnesses, along with discrepancies in where the property management contradicts it 's self in its own documentation. They have kept my deposit and have fabricated damage that doesnt exist and or was preexisting.
XX/XX/XXXX - I sent notification of dispute by mail to collection agency - Ad Astra Recovery Service regarding the debt being reported on my credit. I received documents by mail with a signature that does not belong to me. 
XX/XX/XXXX - I sent notification by mail to Ad Astra Recovery Service requesting to Cease and Desist in any and all attempts to collect the fraudulent debt and to remove the item from my credit report under provisions of Public Law 95-109, Section 805-C of The Fair Debt Collection Practices Act. 
XX/XX/XXXX - The item remains on my credit report.