WillisBack/dataset-financial-user-claim huggingface dataset:
1. On XXXX, I had a XXXX appt which was prepaid. At the end of the appt, I placed an order totaling XXXX with XXXX. 
2. After already running my BOA card XXXX, XXXX with XXXX asked for my card again and I trusted it was for a logical reason. After the XXXX running of my BOA card, XXXX was running her mouth about all this paperwork I needed to sign. The only paper I was given was a receipt and photo pages with small black and white images. The other " legal '' paperwork I was never given a copy of. 
3. After leaving XXXX on XXXX, at home, I checked my BOA account and glamour shots had charged/authorized my acct XXXX. The enclosed paperwork proves this. I consider this a gross misuse of my bank card and immediately called and emailed XXXX that my additional order for XXXX was cancelled. 
4. XXXX told me I could not cancel and they did nothing wrong. XXXX told my Bank of America XXXX authorized my card and that this happens frequently. I have never heard that banks initiate purchases, so that was what I consider a fraudulent platform for XXXX to take. 
5. When the charges cleared, I disputed the XXXX. The additional XXXX did come off my account, but no merchant has a right to authorize and cause funds to be held for additional transactions that were not authorized, even if they come off the acct at a later date. 
6. Bank of America took my dispute of the XXXX over the phone and told me they would let me know if they needed additional info. The BOA electronic claims dept kept telling me that the claim was in research and no additional info was needed. Around XXXX, I received a " resolution letter '' that stated the claim was denied and the temp credit of XXXX was to be deducted from my acct on XXXX. I was not given a fair chance to respond to the merchant's/ merchant bank 's response. I called and told BOA the " resolution was unacceptable, and provided the proof of the XXXX authorization and cancellation of the order. 
7. On or around XXXX, I received another letter that BOA was not able to do anything else on the dispute and that I needed to contact the merchant myself. 
8. FYI, this merchantXXXX, has given me a cease and desist order, and I depend on the bank to defend my right as a consumer to cancel an order, especially within an hour of the purchase, for the valid reason of XXXX misuse of my credit card. 
9. I would like Bank of America to take responsibility for double authorizing my account, and therefore, removing the XXXX charge permanently from my account, or : Bank of America needs to defend their customer against fraudulent practices of over authorization of an approved amount and the right of a consumer to swiftly and promptly cancel an order for logical reasons. 
10. XXXX sent the cancelled order and delivered to my apt office, which I consider free product, since XXXX was told to cancel the order and no payment for the additional order was authorized. 
11. Prompt and permanent removal of the XXXX charge from my acct is required to appropriately resolve this issue. I have attached pertinent documentation. 

XXXX XXXXXXXXXXXX
I have a " Personal Installment Loan '' through Rise Credit. I was recently educated on the Military Lending Act through a local agency financial counselor. 

Rise Credit 's interest rate on my current loan is outrageously high. Does the Military Lending Act not apply to them? I brought this up to them and that lenders have until XX/XX/XXXX to comply by lowering the interest rate to 36 % or under, and they said that the rule does not apply to them.
XXXX   XXXX   XXXX   XXXX  continues to report account on my Experian report as charged off sold to another vendor. Numerous attempts have been made to Experian indicating Original creditor sold debt meaning they wrote off the debt on their taxes which also wrote off the obligation to pay. Which means " contract was cancelled '' " NO CONTRACT ''. Numerous letters have been sent via certified mail starting  XXXX    XXXX   thru present. Experian continues to have the incorrect information reporting on my credit report.
XX/XX/2018 : Rate Reduction program agreement for 6 months XXXX XXXX XXXX : XXXX payment XXXX XX/XX/2018 : XXXX payment XXXX XX/XX/2018 : XXXX payment XXXX XXXX XXXX : XXXX payment XXXX XXXX XXXX : statement received for XXXX for last of 6 payments. Amount deducted from account was XXXX. Navient stated the agreement had ended. I violated the agreement. I failed to renew in 6 month time frame. Interest rate was increased to 7.5 % In an attempt to discuss and review this issue Navient is stating I was aware of this increased deduction and agreement violation without Navient ever contacting or providing a statement indicating the amount due was more than the agreed XXXX or that the 6 month contract had ended before the 6 month term
I want to begin by stating the following story is not an exaggeration. For the last 6 years and I repeat, 6 years, a company known as Commercial Recovery Systems ( CRS ) calls me and states I have an outstanding payday loan. I have never received a payday loan. Back in 2008 I was the victim of Identity theft and hired an attorney to take care of everything regarding false loans. I have sent this paperwork to CRS over the years multiple times. 

This year the calls have increased. I receive a call from CRS XXXX times per week. Each time I answer they tell me the debt is mine, they have court papers they are serving me, they are going to garnish my wages, and much much more. When I try to explain to them that they have the wrong person, they tell me I am a professional debtor and I need to pay my debts. 

I am going mad over the harassment. No one I contact can sue these people. Each attorney I have contacted says this agency does not respond to court documents. How do I stop them? I am asking the FTC to provide me with peace and quiet. Please stop this company who is in constant violation of the Fair Debt Collection Practices Act. No one should be treated the way I am being treated. I have been dealing with this agency since XXXX. It seems like every other year they re-vamp and begin harassing me. I am becoming fearful and I do not know what to do. I have had to freeze my credit bureaus in order to avoid any further identity theft incidents.
The Profit Service Group called my cell and work phone around XXXX XXXX XXXX. I immediately faxed a cease contact letter to the company. I received an email notice that the fax was transmitted to their office at XXXX. Then on XXXX XXXX @ XXXX the company called my cell again.
On  XXXX   XXXX ,    2016, I aut horized a wire transfer in the amount of {$9000.00} plus a {$35.00} wire transfer fee, to an overseas account. Upon second thought, I called the local Citizens branch where I authorized the wire transfer, withi n thirty min utes of the transfer request, requesting to speak with  XXXX   XXXX   XXXX  to request him " to send a fraud claim to stop the wire ''.  XXXX   XXXX  asked me " do you want to stop the wire? ", I responded " yes I want you to stop the wire with a fraud claim. He asked me " Do you want it to go through '', I responded " Yes, the fraud claim, thank you. " While the Wire Transfer Requests states that I must call  XXXX  to cancel the wire within 30 minutes, there is also Clause No.  XXXX  stating " In addition to the right of Customer to cancel the transfer within 30 minutes of authorizing the transfer, you may also instruct the bank to cancel the transfer after the 30 minutes period has lapsed, provided the cancellation instruction is received by the Bank at a time and in a manner affording the Bank a reasonable opportunity to act prior to the bank 's acceptance of transfer. '' I also emailed the branch on  XXXX   XXXX ,    2016 wit h a repeat request to transfer the wire. The overseas account was discovered to be a scam, but my money was transferred to this account despite my numerous attempts to request a cancellation of the wire. I have contacted several individuals through the local branch where the wire occurred, and my Attorney is now in contact with the  Office of the Chairman. D espite evidence and records supporting my claim, Citizens is still refusing to refund my wire transfer because I can not " prove '' that I requested the wire be stopped during my call on  XXXX   XXXX  with the local branch office.     Additionally, I did not receive any confirmation or follow up relating to whether the wire was even sent to the overseas account ( as I have received in the past with other wires I have conducted ). It was only after several inquiries with the branch that I was told the wire did occur and the money had already been removed from the overseas account.
TransUnion has continued to list a public record of a Chapter XXXX bankruptcy which XXXX and XXXX have removed from my credit report as they couldn't verify it. I have asked transunion for proof and they have said that hey verified the bankruptcy through the courts which is a lie. I have had a security freeze on my XXXX XXXX since XXXX or XX/XX/2016 and so they can't and won't provide the proof that this might belong to me. I have challenged them on 2 different letter writing episodes but to no avail. 
I am simply asking TU to do what is right as they haven't been able to truly verify anything or show needed proof.
I 've been trying for months to get an online account to pay my bills. Capital One is refusing to get me access to pay them. They deleted my online account, and for months my account username : XXXX said I had no accounts with them. I do n't have the cards and they want a CVV number to them. They 're negatively reporting to the credit agencies information that I ca n't address because Capital One is refusing to give me online access and my account numbers to send payment.
Credit card capital one has been notified by nmhself that there are incorrect charges and amount on my credit card statement and credit file. They ignored my numerous disputes for the last year and now sent me to collections and attorneys for collections even though these have been disputed. They have made collections calls to family and myself even those items are disputed andchavebceen over a year nowThey continue to add fees and charges all while these have been disputedThey have failed the credit card rules and regusltions to handle this is the allowable time periods and limitsThey will not assist after I have reached out many timesThey ar now denying I received phone calls from the lawyers office but I did as well as my wife on our cell phonesWe reported to the do not call list reporting and they stopped thenCapital one continues to violate many rules and regulations and I 'm very upset at their actions and the denials they continue to make
Beginning in XXXX and for about two years thereafter, Bank of America repeatedly canceled our XXXX card and issuing me and my wife new ones. The claim each time was that BoA had been hacked and they were doing this in order to protect us. I estimate this happened 5 or 6 times. 

But it just came to light that XXXX XXXX was doing something similar in order to make it look like they were selling more services, so I am suspect of BoA 's true intentions. 

To be clear, this did n't cost me anything and I do n't believe it affected my credit rating. It was just a hassle, and it actually proved to be counterproductive to BoA as we began using a different card for all purchases, minimizing our usage of anything BoA-related.
I was going through my credit and noticed a vehicle that was repossessed several years ago is still reporting with several inaccuracies, such as balance, original balance, date of last activity, status, etc. Plus I had a Gap insurance on that vehicle and I never received and documentation after the repo. It shows charged-off with wrong balance, and it's definitely violations of FCRA and MVISA.
I was denied a credit card by Chase Sapphire because I had opened XXXX credit cards in the last two years. I have never defaulted on a payment in the last 50 years, I own my own house and two cars, I have almost {$1.00} million in my brokerage account, I have no problems with my credit score, I have no debts whatsoever and I pay all outstanding bills in full before the due date. To me this is an arbitrary rule that should be subject to review when requested by the customer who has had an application denied. Despite my inquiry and request five times to Chase, they are unwilling to review the application based on the additional information that I have provided. To me this is discrimination against those of us who have maintained excellent credit over our lifetimes and wish to make only credit card purchases. We are falling into the same category as those people who simply live beyond their means by unwisely using their credit cards. I resent being so classified and not even being able to have anyone review my application. Gosh, even XXXX are vetted! I ca n't get anyone to listen to me.
I'm a victim of identity theft and I do not have any signed contracts with any collection agencies regarding this account from XXXX XXXX XXXX XXXXXXXX. I've contacted ALL 3 credit bureaus, XXXX has completely removed this from my credit report. However, XXXX and XXXX  has refused to remove this fraudulent account from my report. I've submitted them with a XXXX police report # XXXX and have contacted the FTC # XXXX as well.
Due to recent media attention I pulled my credit report and noticed several accounts and inquires that are not mine and that do not belong to me. I would Like these accounts below taken off my credit report immediately I've also filed a police report and FTC report.

Account Type : Collection Account Name : XXXX XXXX XXXX XXXX  Account Balance : {$570.00} Account Type : collection Account Name : XXXX XXXX XXXX Account Balance : {$1300.00} Account Type : Student LOAN Account Name : XXXX XXXX XXXX XXXX Account Balance : {$16000.00} Account Type : Collection Account Name : XXXX XXXX Account Balance : {$59.00} Account Type : Collection Account Name : XXXX XXXX XXXX XXXX .

Account Balance : {$2100.00} Account Type : Collection Account Name : XXXX XXXX XXXX XXXX XXXX

Account Balance : {$510.00} Account Type : Collection Account Name : XXXX XXXX XXXX XXXX Account Balance : {$300.00} Account Type : Collection Account Name : XXXX XXXX XXXX XXXX  Account Balance : {$250.00} Account Type : Collection Account Name XXXX XXXX XXXX XXXX   Account Balance : {$100.00} These companies have put inquires on my account that I did not authorize.

XXXX XXXXk on or around XX/XX/2017Below these addresses are not associated with me and I have never lived at. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
The company is EOS CCA. I originally disputed an account for XXXX XXXX and it was removed from my credit correctly. EOS bought up the account in XXXX, XXXX. 

Ive never heard of them, Ive never received a phone call, Ive never received a letter, statement or anything from this company. My address was on mail forwarding so there is no way they couldnt have gotten a letter to me. I was never given the chance to dispute this before it was added to my credit in XX/XX/XXXX 

Ive attempted to call them but theyre either closed or never answer their phones.
The attached letter was sent to XXXX in XXXX, 2015. I am still being harassed by this business and when I speak to them, I ask them to send me debt verification and I am yet to receive it.
My Brooks credit card changed banks, I continued to submit payments in my usual fashion. I began receiving calls from CITI, saying my account was past due and demanding payment. When I was able to contact CITI, I was told I should contact the bank I had been making my card payments to since 1999. The payments were made through my bank 's bill pay system. I discarded my old Brooks card when the new card came in the mail. How can I retrieve the sent payments and rescind the late fee charged by CITI?
On XXXX XXXX, XXXX, I was charged a late fee on my PNC credit card due to an automatic payment failure on the PNC 's part. Once I noticed the failure, I manually paid the balance on XXXX XXXX. I called PNC and talked to them about the error but they would not remove the late fee. I set up the automatic payment feature to avoid these types of issues and now due to their system failure, I have been charged {$25.00}. I am requesting my {$25.00} late fee be removed. Thank you.
Paypal Credit has charged me a late fee, because I paid too early. 
I received the email statement, and paid right away, however, the payment was applied to the statement period just ending, and not applied going forward. so then, the next period was declared late, because they applied it going backwards. 
this is ridiculous. they refuse to reverse the late fee. 
I think it's fraud, for them to send me a notice to pay a bill, that they are not ready to process.
I was told that I would not be moved to foreclosure by my assigned customer service rep, numerous times if I fell no more than 3 payments behind. I have not. I was consistently making payments and had been for nearly a year.
1. I am requesting copies of all recorded calls for the last 12 months.
2. Verification of all transactions since XX/XX/XXXX.
3. Payment records.
Bank of America refused to take a phone payment from me on Wednesday XX/XX/XXXX. They then told me that I 've been moved to foreclosure status. I took time off work and drove to the branch and made a payment on my loan in person. They accepted my check, cashed it and then when I spoke to the customer service again the following week, they told me that I was still in foreclosure status and that I would be refunded the money that I had paid them and that they would not accept any more payments on my account. 
I insist to be reinstated and be allowed to make web/ phn payments. 
I also am requesting forbearance and loan modification under HARP and Hamp and any other loss mitigation
In regards to Chase case # XXXX. I still need Chase to properly report the amount of mortgage balance sold to Caliber Home Loans. This amount reported when the loan was sold was incorrect due to an improperly forced placed insurance in 2009, which took 4 years to resolve. In the mean time during those 4 year, my monthly payments were misapplied to my account. Showing at the time that the loan was sold to XXXX that my account was in arrears 3 months when it actuality it was not. I finally received the return for the forced place insurance, but in the interim the loan was sold to XXXX. They are showing that I owe more than I actually do and I need for Chase to resolve this issue. Along with the waiver of late fees & any other fees and update the credit bureau as well as properly report to XXXX & have them also update the fees & credit bureau reports for me. 

XXXX, XXXX
XX/XX/2018 : After applying for a {$45000.00} Line of Credit through TD bank online, I was assigned a Loan Processor who I exchanged many emails with prior to committing to the LOC. In these emails, I was given the terms of the loan, as well as the repay back periods, and my monthly payment if I used the entire LOC. They were explained as follows : " Good Afternoon, the line of credit has a 20 year term. During the 1st 10 years you are paying back interest only, then during the next 10 years you pay principle and interest. 

If you use the entire line, your monthly payment for the first ten years would be {$410.00} '' After numerous other email exchanges, based on the terms stated above, I proceeded with the LOC ; in order to be approved for closing, I had to put in writing via email, which I did, " We agree to the terms of this loan ''. The terms provided above. 

We closed on our loan at our local bank branch, and verified the terms via email. We signed and closed. 

I received my first statement in the mail, and with my surprise after only using XXXX of the line, my minimum monthly payment states {$590.00} ( principal and interest ) After numerous phone calls to representatives, I was handed off several times, I was informed the terms I was given, and consented to, in the email were incorrect, and that she made a 'typo '. And that I am actually responsible for paying 2 % of the line balance every month, and even though it is a 20 year term, that it would never actually get to 20 years or even 10 for that  matter. 

I went from being told " we may have to honor those terms '' to being told that this was a typo, and there's nothing we can do since the paperwork is signed and complete. 

l was extremely misled, the 'correct ' terms were NEVER disclosed to me via email or at settlement ; I signed under false pretenses based on what I believed to be accurate information from bank representatives. 


I can provide all email exchanges.
I attempted to refinance the mortgage on my condominium with Commonwealth Mortgage XX/XX/XXXX and went through the process as far as a conditional approval ( XX/XX/XXXX ). The conditional approval made reference to XXXX requirements that had been unexpectedly added to the conditions of the loan. The loan was then rejected due to the property 's non-compliance with the newly added XXXX requirements. 

Interest rates increased significantly between the application and denial dates. The first explanation that I was able to get from the lender was that it would have been difficult to sell my loan on the secondary market due to its non-compliance with ( the newly added ) XXXX requirements, and that I should have used a local credit union. Upon seeking further clarification I was told that Commonwealth Mortgage can not make loans that are not XXXX compliant, but no further information confirming this has been provided.
The reason for my writing is to inform you that this company is being unreasonable and not adhering to the law. I am a victim of identity theft. My personal information was compromised and as a result fraudulent charges were included on my accounts without my consent or authorization. I disputed this identity fraud with this company on XXXX by providing my written explanation and attaching relevant documentation e.g. Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act to proof my case. But until now, as I am writing to you, this company is still reporting these fraudulent accounts contrary to law, which gives them at least 4 days to remove it upon receipt of fraud dispute letter. Let this be a final written notice of my intent to sue this company for failing to remove fraudulent items even after receiving a well-documented dispute coupled with exhibits for reference. For yet another time I am reaching out to this company to find a concrete resolution to this matter once and for all. Failure to this I will go ahead and file my already filled small claims forms with the courts. Please REMOVE this fraudulent information from my credit report, as per 605B of the Fair Credit Reporting Act : 1.XXXX  XXXX XXXX # XXXX, Opened Date XX/XX/XXXX, Original Creditor XXXX XXXX  XXXX XXXX XXXX , High Balance {$1500.00}. 2. XXXX XXXX XXXX, ACC # XXXX, Original Creditor XXXX XXXX , Opened Date XX/XX/XXXX, Balance {$190.00}. I am attaching the dispute letter/documents I sent to this company on the XXXX and my FTC report, in case they need to reference or review.