WillisBack/dataset-financial-user-claim huggingface dataset:
I have a VA mortgage with US Bank, for years I have paid on time normally over the amount due. XX/XX/XXXX I sent a check from may bank, XXXX, to US Bank for {$2400.00}. They only used the electronic withdrawal for XXXX and then they say I am late and did n't pay the mortgage. They have no copy of the check, XXXX has no copy of the check. How can a bank withdraw money without producing a check or other evidence of the amount? I have called both and neither will do anything except say it is being looked into. I am supposed to pay interest, late fees and have a mark on my credit score ( XXXX last check ) because of the banks mistake. The bank makes a mistake, destroys the evidence and it is my fault. US Bank and XXXX both are refusing to do anything to help
I set up a payment plan with Portfolio Recovery for an XXXX XXXX account on XX/XX/XXXX. Amount due was {$480.00}, payments to be withdrawn from my rapid refund account every two weeks in the amount of {$40.00} starting date XX/XX/XXXX with final payment in XXXX. The first payment was withdrawn in the amount stated above, but then I received a phone call on XX/XX/XXXX at XXXX from Portfolio Recovery stating they did not show any information of a payment arrangement being setup. I received another phone call on XX/XX/XXXXat XXXX, reminded the caller that the calls they place are recorded and they needed to go back in their archives and review the information that was set up on the XX/XX/XXXX. 

Portfolio Recovery XXXX XXXX XXXX. XXXX XXXX XXXX, VA XXXX XXXX Thank you XXXX XXXX
I have a student loan with Citibank that went into default. The loan was passed to XXXX ( XXXX XXXX XXXX ) to collect the debt. In XXXX 2015, I made contact with XXXX and worked with them to set up a " Settlement '' that would be agreed upon by XXXX, Citibank, and myself including setting up fixed monthly payments for a set period of time. I was then required to provide Routing and Account information for Auto Bill Pay and required to e-sign the settlement agreement. 

Sometime in XX/XX/XXXX or XX/XX/XXXX, Citibank ceased relations with XXXX and XXXX no longer was collecting my debt. I did not receive any notification that this had occurred and when I contacted XXXX they directed me back to Citibank. At the time, Citibank informed me they were collecting the debt in house and I made the fixed payment over the phone and was unable to set up Auto Bill Pay due to a problem with their computer system ( they would be inputting the information at a later date ). 

After Citibank did not continue with the Auto Bill Pay I again contacted them to discuss the issue. They then informed me that they are not honoring my settlement agreement, they have no records from XXXX, and that XXXX XXXX ( Collections ) was now handling my debt and I need to contact them. 

Again, never received any notification. This does not seem fair or legal. I have made a good faith attempt to handle my debt. My debt should be discharged for unfair lending practices.
I have XXXX names on my credit report same peron just XXXX different names ... also weong address reciently moved maybe 4 months ago ... and also it says i have no employment info but i work full time and have been for the past few years
Dear CFPB, First of all I want to report that a notice of default has been recorded by XXXX at our XXXX XXXX County Recorders Office on my property located on XXXX XXXX XXXX XXXX, CA XXXX. Their is a projected sale date schedule for XX/XX/XXXXI have repeatedly sent several letters to dispute the alleged debt and validity of the recorded documents recorded at our XXXX XXXX County Recorders Office to XXXX, XXXX XXXX AND XXXX XXXX. These XXXX ENTITIES HAVE FAILED TO VALIDATE, MUCH LESS VERIFY AND AUTHENTICATE THE ALLEGED DEBT. Moreover, these XXXX ENTITIES continue to violated my consumer protection rights pursuant Fair Debt Collections Practices Act ( FDCPA ) and Truth in Lending ( TILA ). See enclosed Notice of Default served to me by XXXX XXXX. 

These is a list of letters I have served these entities via certified mail and faxes ( Attached ) :1. XX/XX/XXXX : Notice of Dispute and Demand for Verification letter certified mail served to XXXX. 
2. XX/XX/XXXX : XXXX XXXX XXXX XXXX Disputing and challenging validity of recorded instruments and assignments at our XXXX XXXX County Recorders Office. 
3. XX/XX/XXXX : CALIFORNIA DEPARTMENT OF BUSINESS OVERSIGHT COMPLAINT against XXXX and XXXX XXXX. 
4. XX/XX/XXXX : Notice of Non-negotiable Non Transferable NOTICE OF DIPSUTE applicable to all successors and Assigns, served to XXXX and AFFIDAVIT REQUEST TO XXXX XXXX XXXX, XXXX VERIFYING AND VALIDATING ACCOUNT # XXXX, as a matter of law and equity. 

5. XX/XX/XXXX : Demand for Debt and Validation of Proof of Claim served to XXXX. 
6. XX/XX/XXXX : Cease and Desist and Notice of Invalid Instruments : Trustee in foreclosure liable for damages under California Homeowners Bill of Rights. Served to XXXX and XXXX. 

PLEASE NOTE that XXXX County Civil Grand Jury here in CALIFORNIA just released an audit conducted ( enclosed ) by XXXX XXXX " INTEGRITY OF LAND RECORDS IN XXXX COUNTY '' where it uncovered the same allegations that I have been alleging and also concurred with the violations addressed by California Homeowners Bill of Right. 

I 'm demanding that these XXXX ENTITIES, XXXX, XXXX XXXX and XXXX XXXX to identified themselves, to validate and respond to the above requests along with AFFIDAVIT of AUTHORITY TO CARRY OUT A NON-JUDICICAL FORECLOSURE. All I 'm demanding is just fair treatment according to my consumer protection rights under FDCPA and TILA so I can work out an amicable resolution with the legal and lawful authorized entity. 
I can be reached at XXXX XXXX XXXX XXXX. 

respectfully, XXXX XXXX
I an enrolled in paperless billing for my Citibank XXXX XXXX credit card. For over one month, I am unable to view previous statements while in my online account. After a very long discussion with a supervisor in XXXX, I thought this issue would be resolved, but it has not. This appears to be a technical issue with the website, but as a customer, I need access to my online statements.
I opened a checking account with Bank of america ( BofA ) on XXXX/XXXX/2015. I did it because Bofa offers the possibility of no international fees when a client uses affilliatted banks out of the XXXX. I specifically asked the costumer service Rep ( XXXX XXXX XXXX ) who took my information to check this for me. He confirmed that in XXXX as well as in XXXX I could use ATM without penalty if they were from The XXXX Bank. Prior to my departure I again called to reconfirm the affilliatted banks in XXXX and XXXX. I spoke to XXXX - Costumer service- on XXXX XXXX 2015, and again I was told that I could use XXXX bank to make withdrawals without being assessed a fee. I travel to XXXX between XXXX XXXX to XXXX XXXX. 
To my surprise when I received the checking acct. statement for the balance beginning XXXX XXXX to XXXX XXXX I noticed that I had service fees for withdrawals made at XXXX Bank in XXXX and in XXXX. Immediately I contacted Bank of America to dispute those charges and Spoke both to XXXX as well as XXXX on XXXX XXXX, 2015. XXXX mentioned that Bank of america used to have that bank as affiliated in XXXX and XXXX but that it had changed and that XXXX Bank was no more affiliated with the. She told me that as a courtesy they will remove XXXX of the service fees assessed but the others will remain. She told me that was all she could do and that I should do whatever I need to do. 
My complaint is that I should not be assessed any service fees for this withdrawals since I was very clear in asking XXXX different people from BofA about giving me the information about overseas fees and both mentioned XXXX Bank as affiliated in those countries.
Purchase items from my XXXX XXXX credit card but through XXXX websight. I returned all items of clothing. I purchase shes 3 pair. only items I kept total $ Payment Payment Date : XX/XX/2018, Payment Amount : {$20.00}, contacted via email bal is incorrect, they ignored and billed me for XXXX when bal was XXXX. I called today and now my bal is over 100.00 reps are rude, refused to help me, added late fees and items I returned. manager claim she would transfer me but hung up. They have no right and refused to assist
Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I sent a creditor 's validation letter to Transworld System Inc. I had my Personal financial Consultant speak on my behalf. XXXX XXXX XXXX spoke with Transworld System Inc. This was a XXXX XXXX Account and I sent the letter for them to validate the debt. Accordingly, to the Fair Debt Collection Practice Act a Debt Collection Company has 30 days to validate the debt. In my case my debt was never validated by Transworld System Inc. In this case the debt should be removed from my credit report and out of the office of XXXX XXXX XXXX because they do not have the right to collect in the State of Texas. Accordingly, to the State of Texas no debt collector can not collect in the state unless they are register by the State of Texas and bonded.
Berlin-Wheeler Inc. and XXXX XXXX are attempting to collect an amount of {$430.00} of which I do not owe. Berlin-Wheeler has failed to attempt to contact me or send my a sheet breaking down all cost showing why i owe the balance of {$430.00}.
Went to Quicken loan website to research loan options but they collected my information and did not provide me details as advertised but want me to talk to some, this was not clearly stated from their wesite, here is the conversation with them Info at XXXX, XX/XX/XXXX : A team member will be with you shortly. 
Info at XXXX, XX/XX/XXXX : For your security, if you would like to close the chat session please click the " X '' button on the top right of the chat window. 

You are now chatting with XXXX XXXX. 
XXXX XXXX at XXXX, XX/XX/XXXX : Hi XXXX, how are you doing today? 
XXXX XXXX at XXXX, XX/XX/XXXX : Hi XXXX XXXX at XXXX, XX/XX/XXXX : why did the website not provide me the availble rates even after taking indformation from me XXXX XXXX at XXXX, XX/XX/XXXX : this is false advertising XXXX XXXX at XXXX, XX/XX/XXXX : Let me go ahead and pull up your profile here. I can get you all of that information XXXX XXXX at XXXX, XX/XX/XXXX : How are you doing today? 
XXXX XXXX at XXXX, XX/XX/XXXX : I did not want to chat but research data myself XXXX XXXX at XXXX, XX/XX/XXXX : and that is what the website said XXXX XXXX at XXXX, XX/XX/XXXX : I am very disappointed with Quicken loans XXXX XXXX at XXXX, XX/XX/XXXX : if they can falsify to start with then why will I weven go with such a company XXXX XXXX at XXXX, XX/XX/XXXX : Sorry to hear that XXXX, the reason the site has you speak to a banker is because every client qualifies for different options. We want to make sure we get you the best options available to YOU. 
XXXX XXXX at XXXX, XX/XX/XXXX : You are able to get the rates but you have been stopped to speak with me in regards to your application so that is what I am assisting with right now XXXX XXXX at XXXX, XX/XX/XXXX : I am here to help you with your inquiry XXXX XXXX at XXXX, XX/XX/XXXX : so ou are acknowledging that the website gave false information XXXX XXXX at XXXX, XX/XX/XXXX : That is not what I am saying. I am saying that there is an issue somewhere on your application and I am going to see what our problem is XXXX XXXX at XXXX, XX/XX/XXXX : this just very deceiving behaviour XXXX XXXX at XXXX, XX/XX/XXXX : I am sorry you feel that way, would you like to speak with our client relations team? 
XXXX XXXX at XXXX, XX/XX/XXXX : this leads me to believe that the same will happen during application process XXXX XXXX at XXXX, XX/XX/XXXX : being a financial company trust is key XXXX XXXX at XXXX, XX/XX/XXXX : Of course, would you like to speak with our client relations team?
XXXX XXXX XXXX XXXX XXXX is reporting wrong information to my credit report. XXXX XXXX XXXX XXXX XXXX needs to delete the wrong information on my credit report.
I paid via XXXX with XXXX that is supported by Chase on the Chase website the amount of {$250.00} on XX/XX/XXXX at XXXX to a concert tickets seller, XXXX XXXX . I did not receive my concert tickets, I called my Chase bank as soon as I realized that the seller is a scammer, on XX/XX/XXXX, at XXXX with a request to stop the funds transfer or to reverse my payment but was told by a Chase representative that XXXX has no fraud protection, and Chase does not provide fraud protection for XXXX as well, although XXXX is listed as a XXXX method of payment once I log into my Chase account. There is No Disclaimer notifying Chase customers on the Chase website or XXXX app that all transactions are final, and NO fraud protection is provided by Chase or XXXX.. I requested to speak with a supervisor at Chase but was told the same thing. A complaint was filed by the Chase supervisor for a courtesy funds recovery. 
This is completely wrong and unacceptable to mislead the customers, and not provide Chase costumers with a disclaimer stating that Chase does not provide any fraud protection for the transactions via their XXXX service with XXXX as this service is supported by Chase, and has full access to my accounts with Chase. 
Can you please look into this situation, and assist me with recovery of my {$250.00}. Chase needs to keep their costumers fully informed and provide fraud protection for all the services that are offered to Chase costumers. 
I filed a complaint with the FBI regarding the ticket seller, and provided the FBI with all the details of this situation.
I talked to lady that was inconsidrate and had no empathy what so over. I asked she transfer me to someone hire than her which was XXXX I did inform him that I have a prepaid card and that 's how I pay my bills. He start talking loud over me asking me did I spend my whole check and I wont have money for XXXX weeks how would I get to work and gas things of that sort. He was getting to into my personal expensive and also told me I see how the other young lady and I went left. He was really rude to be a supervisor. I feel long as I had a card on file and the day that I informed him the money could be withdrawal from my card should have been fine. XXXX XXXX people
The Tax Lien from XXXX couty should be removed from my credit report. It has been on my credit report from more than seven years. Please see the attached documentation.
I applied for a  Wal-Mart c redit card through Synchrony Bank on or about  XXXX / XXXX / 2017 . The application was denied a nd one of t he reasons stated was that the  credit score o btained from  XXXX  was  XXXX . I visited the  XXXX   XXXX  site and paid {$20.00} for my score and it was  XXXX . That is a discrepancy of  XXXX  points. I immediately called  XXXX   XXXX  and they were unable to explain the discrepancy and indicated that the bank must have their own scoring system. Although this was not stated in the rejection letter. I find it curious that my husband recently applied for  a Lowe 's card  through the same bank and was approved seeing as we have been married for 23 years and hav e the same credit history. I e-mailed a complaint to Synchrony asking for an explanation as to the credit score discrepancy but have not received a reply. If the credit scores of the major credit bureaus are not actually use d by anyone I think consumers have a right to know that.
I opened a dispute with Equifax because of issues with their dispute decisions on accounts that were opened in my name. The accounts in question literally were opened when I was very much so under the age of XXXX, its not even possible for me to have opened these accounts but theyve told me that these have somehow been verified.
I have sent several requests to Escallate Inc. per the Fair Debt Collection Practices Act, 15 U.S. Code 1681, Fair Credit Reporting Act section 623 ( a ) ( 1b ) and section 623 ( b2 ) requesting the show me the documents required by law that they have to hold me responsible to this debt. Also according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. 

At this time I am submitting this as so that the FTC will have on record that I have attempted on numerous occasions to have this company obey the law and they have refused to produce the documents they are required to have on file to continue to report this derogatory information. I have been given no original contract bearing my signature or documentation of any kind. 

It was advised that I try to have this issue resolved though the mediation of the CFPB before I filed suit in state court seeking remuneration for several things including but not limited to : Violation of the FCRA, Violation of the FDCPA, Defamation of character and Identity Theft as they have opened this account without my knowledge or consent. I have lost opportunities due to this illegally reported information remaining on my credit profiles. 

I am attaching a copy of the most recent USPS Certified mailing sent to this company which has well surpassed the 30 days allowed by law for a response.
Called into cfpb, this is not a duplicate, the other complaint was deleted, please proceed with this complaint. 

I placed an order for a new phone directly from XXXX on XX/XX/XXXX for the XXXX XXXX. On their website, it showed a trade in credit for {$200.00} for my XXXX  XXXX. I went ahead and placed my order and did financing through XXXX, which goes through TD Bank. The total cost of the XXXX minus trade in credit should have been {$520.00} ( {$720.00} MSRP ). Upon getting my email confirmation for the order, the trade-in credit only showed {$50.00}. At this point I called XXXX XX/XX/XXXX and talked with XXXX, he said that it was no issue, he would start an incident and that it should get fixed. XXXX told me to call back once I got the phone. On XX/XX/XXXX, I called XXXX and talked to XXXX who assured me that fix would get approved in the next 3-5 days from a supervisor. Called back on XX/XX/XXXX to ensure that this got approved before sending in my trade-in device and not being able to return the phone. They assured me that it would get approved and instructed me to send in the device. After watching my statements, no adjustments had been made. I called back on XX/XX/XXXX and they instructed me that they approved my claim on XX/XX/XXXX but it might take a month or two to show up. After checking my statement month after month, still no credit. Called on XX/XX/XXXX, they decided to deny my claim on XX/XX/XXXX, the representative told me to send in evidence again and it should get overturned. I complied and sent in again. At this point, I still have no received my credit and I tried to work through TD Bank to get this resolved. They have done no investigation beyond confirming the order and that the claim was denied. How can companies tell you that you will get a {$200.00} trade-in credit and confirm that it will get approved and then not do what you say you are going to do? I am now out my XXXX and a credit that was not as advertised.
I received a letter in the mail from this company saying I owed money and called them to confirm. My first call i spoke with a representative who told me this debt was for a house I rented and she spouted off an address where I have never lived. I then asked her for a copy of the leasing agreement so I could verify this debt. The representative became combative and asked me why did I need verification of the debt. I told her its my legal right for the debt to be paid and I wanted documentation. I have just now received documentation but out of a 20 page leasing agreement I only received 5 pages. NONE of which can verify that it was ME who this debt belongs too. There's no copy of my ID - no date of birth information or even my social on any of the incomplete paperwork that was sent. I would either like proper verification of this debt or I would like it removed from my credit report for failure to verify.
Several letters have been sent to Wells Fargo ( WFDS ) asking them to verify the inquiry that was placed on my credit back on XXXX/XXXX/16. I have provided them letters with my Name, Address, SS #, along with the date.. 
Wells Fargo ( WFDS ) is using the stall tacit and sending letters back to me asking for my Name, Address, SS # along with the dates. I have asked several times for them to provide me documentation supporting this is to be reported under my credit file. Wells Fargo response is they are not able to locate or find this information. 
They Continue to send me letters asking for all this Information but yet they 're continuing to ask me for it even though they have it on the letters that were sent to them.
XX/XX/2018 I received a copy of a debt letter. I do not have any documents to validate or prove this debt.
I have submitted XXXX complaints : XXXX and XXXX. 
XXXX and XXXX have now given Transworld Systems Inc. account to placein collection. STOP. I paid XXXX over {$36000.00} on my student loan. 
Original loan amount {$45000.00}. XXXX defaulted the entire loan at {$43000.00}.
XXXX  has updated that this XXXX account is paid a settled. Whereas transunion and XXXX  has not updated the account as a paid and settled charge off with XXXX balance. Its an XXXX account store card account number is XXXX. Need transunion and XXXX  to update comments as paid charge off settled account as XXXX  did
I have contacted Transunion multiple times to verify information on my credit file. 
Concerning account XXXX # XXXX They have remarks stating this account was included in chapter XXXX wage earner plan. They also list a high credit. It also says the payment status is current and last activity was after wage earner plan. The account was discharged in chapter XXXX which is not chapter XXXX and not on a wage earner plan. It also list a high limit which are all not reported after a bankruptcy.
There was a credit card open under my name on XX/XX/2009 and appear as closed as XXXX XXXX. Also I got an alert my email and my mailing address was found on dark web. My address is listed as company address which is incorrect. Automotive services I do not recognized this service. Please pay attention to this matter and fix it. Thank you!!
I contacted Capital  One  Credit Card company to inform them I was an a serious   XXXX   XXXX  t  XX/XX/XXXX  which I was not at fault. As a result of   XXXX   I received severe  XXXX   XXXX   XXXX . Since   XXXX   XXXX   I have been under care of several physcians one being my  XXXX  who have worked continuously to help aid in my recovery. As of   XXXX   XXXX   XXXX   I have gained my memory back and thus have started back full time with my employer. I contacted  Capital one  to bring my account current and was told that  Capital One  would not accept payment and would not reestablish the account which closed according to representative 5 days prior to my calling in on  XXXX / XXXX / XXXX . I have new banking information with my credit union and no longer have any other affiliated banks and thus informed Capital One that Bank  XXXX   XXXX  Account was closed immediately following my car accident but I was not consciously or cognitively aware that any payments to  Capital One  were affiliated with my former Bank  XXXX   XXXX  Account. I explain that I have legal documentation of my  XXXX  now and due to my  XXXX   XXXX   XXXX  was not consciously aware of my daily surroundings or activities. I have the money in my account to pay  Capital one  and would like to have my  XXXX  credit card reestablished. I have documents from both my car accident attorney, neurologist, and my employer that displays my hardship.