WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, I opened a new account with Robinhood an online brokerage/high yield savings and checking account. Immediately after opening this account I had questions about where my money was being transferred to and held. It appears during the sign up process, I was under the impression it would be moved into the newly created Checking account, however it was instead moved into their brokerage account which was done on my behalf. After realizing I did this, I emailed their support team numerous times to clarify the transfer of funds. I did not get a response. The next day, I continued to reach out and have been doing so since, without a response from their team. I've emailed them numerous times and have attempted to call but got a voicemail recording that states to email customer support. 

I've reached out to the bank where the funds were being transferred from and they are unable to do anything because the transfer has already been initiated. 

I am at risk of losing a significant amount of money and have no recourse to understand where it is and how to get it back. I am seeking your assistance to rectify this situation and return my funds back to my original account.
I received information about having XXXX new negative items on my credit report, so I did a free credit check report and noticed several bills that had incorrect information including my home address. I do n't recognize most of the alleged bills that are outstanding in my name, which leads me to believe I am a victim of identity theft. As soon as I noticed this, I immediately disputed the negative items, however, the disputed have gone unresolved and still remain on my credit report.
On XX/XX/XXXX XXXX XXXX a collection agency was added to my credit file. This was shown as a new collection with the originally creditor as XXXX the amount of {$1300.00}. I have no contact with XXXX XXXX and they are attempting to collect on a debt that was previously paid with XXXX XXXX in XXXX as an agreement to pay for delete. Convergent is attempting to again collect on this debt. They have not responded to multiple disputes and requests for validation.
This account was on autopay. There should be no balance on the sccount. Was not aware of the balance until it went to collections. Need this removed immeduately and if they prove that i have not paid it, i will pay it. I moved in XXXX 2015 and have not had XXXX since.
I am a XXXX XXXX and I believe I have been treated unfairly by Bank of America. I reported my debit card lost to Bank of America on XX/XX/XXXX. After reporting my card missing I noticed withdrawals on my account from an ATM that I do not and have ever frequented. Approximately {$360.00} ( six ( 6 ) {$60.00} withdrawals ) was withdrawn from my account. In addition, there were fraudulent check deposits made on my account. I again contacted Bank of America and advised them of this activity ( claim # XXXX, XXXX, XXXX ). Bank of America issued me a temporary credit for the cash withdrawals and a credit for the fraudulent checks. Bank of America closed both my checking and savings account following my reports. At the time of the closure, my checking account was overdrawn ( because of the fraud ), but there was {$260.00} in my savings account. On XX/XX/XXXX,  I filed a police report regarding the fraud and the theft. I did not know to do this before this time, as Bank of America never asked about a report or suggested the filing of a report. I did so after a friend suggested that I do so and indicated that maybe the camera from the ATM could be reviewed to determine who stole and used my debit card. On XX/XX/XXXX, I contacted Bank of America regarding the status of my complaint, because the account closure made it impossible for me to access the funds in my savings account. As a XXXX XXXX I needed access to these funds. I was advised by Bank of America that my claim had been denied because I could not explain how someone would have obtained my Personal Identification Number ( PIN ) to have been able to access my account. That was the full extent of the explanation I was given. I was advised that the temporary credit would be reversed. I can not explain how someone obtained my PIN and was able to access my account, but they did. As result of this fraud I have had {$360.00} stolen from me and I have been charged numerous fees by the bank, bringing my total loss to {$820.00} including the funds Bank of America took from from my savings account. This loss resulted in me being evicted from my apartment as I was unable to pay the rent.
My complain is with Synchrony Bank, who handles the JC Penny accounts. I have had an on going dispute with JCP and Synchrony Bank for a year or close to it about my account with JC Penny. I have been late in payments a couple of times and have not be able to catch up since I have always paid on my account. But not to the satisfaction of JC Penny or Synchrony, therefore in XXXX of 2016 I just paid what I owed and be through with the company and the bank. I send a check for {$200.00} to JCP knowing that it should cover what I owed and close my account. I kept receiving late statements from JCP and Synchrony when I looked at the statements the {$200.00} payment had not been added to my account they say when I called that it had been received or added to my account, I had to send them a copy of the payment. They added they said to my account but nothing changed I stilled owed them the same amount of money when my bill should had been in the negative balance and they owed me money. But they are still harassing me and damaging my credit report with this. Could you if possible help me with this matter I have the proof showing that I owe nothing. 
Sincerely, XXXX XXXX XXXX
I received an FHA mortgage with  Countrywide in   XXXX .  Countrywide sold  it to Bank of America in  XXXX . I was in modification with BOA since  XXXX . On  XXXX  I received a real estate business card in my door that said, " your property was sold last week call me. '' I did and did not receive a call back. I called  XXXX .  XXXX  discovered that Carrington Bank purchased the mortgage from BOA in  XXXX  and foreclosed. I was never notified of any of this. I have faxed the modification documents to  BOA many times. The return date of the modification was assigned even before BOA mailed the documents. The date on the envelope was postmarked the day after BOA required the modification returned causing me not to receive them until 4-5 days after the return date. So, it was was impossible to return them by the date they requ ired. I reported this to  XXXX   XXXX .  XXXX   XXXX  could not locate their copy of the modification, so I faxed everything to her. I was transferred and transferred, and finally told that  XXXX   XXXX  no longer work ed for BOA. Many people at BOA  reported losing refaxes and receiving only part of the faxed papers causing me to refax and refax. I was transferred and transferred, and finally was told that  XXXX   XXXX  did not work there any more.   I never receiver notice of any of a resale to  XXXX  or that I was in foreclosure.. Now, strangers are knocking on my door and I am afraid.    XXXX   XXXX   XXXX
There is a charge off for {$200.00} on my credit report from Miramed Revenue Group. I have never been contacted by this group. This is not a valid debt and I think they are running a scam. I had hospital bills that have all been paid. I believe they have stolen personal information about me, and have filed this collection as a way to intimidate me into paying a debt that is not mine.
On XX/XX/XXXX I received a call from a debt collector looking for someone else, I told them that they have the wrong phone number, they then kept asking questions and I repeated myself that they had the wrong number and to please remove my number from their call list. On XX/XX/XXXX at XXXX I received a call from the company again, again they were asking for someone not associated with my phone number, I told them that I had told them yesterday to not call this number. The person again started asking questions and I told them they had the wrong number, I told them again to take my phone number off their call list and to not call. The person then said I will keep calling and hung up on me. I called the number back and asked to speak with a supervisor, they stated that because it was Saturday that no supervisor was available. I told them I wanted to be removed from their call list and that the previous person I spoke with was very hostile and repeatedly told them to remove my number and they refused and stated that they would continue to call me.
PNC Bank bought my mortgage and now they make me pay a {$7.00} fee to pay my mortgage online. This fee is unfair as I did n't have to pay it with my previous lender and is now an additional charge.
This company placed a debt from XXXX on my Credit Report on or around XXXX. The only way I knew it was placed there was through monitoring of my credit report. No mailings or phone calls were sent or received at all! I immediately phoned them to tell them that this was a XXXX claim involving an Attorney. I provided the name and number of the Attorney and requested the accounts be removed from all XXXX ( 3 ) credit reporting agencies immediately! It is now XXXX/XXXX/XXXX and they still have not removed XXXX of the accounts - XXXX. In calling this morning, XXXX/XXXX/XXXX, I was given to a Supervisor, XXXX. He was rude, and told me that they did n't have to remove anything. I asked XXXX who they report to, and he advised " No one! '' I asked to be transferred to someone else, so he transferred me to an empty line which hung up on me. In calling back, I asked to speak with a Supervisor, other than XXXX, so XXXX XXXX answered the phone. He advised that he was the General Manager and would process a XXXX form to the credit bureaus and send a copy to my email. I advised him that I 've been told before by his company that this would be taken care of and it still has not! I advised XXXX XXXX that this company is hindering me from moving forward, as my credit report is marked with something that is NOT my responsibility and legally can not and should not have been placed on my report. This needs to stop immediately! There are consumers out there that should be protected from companies such as this XXXX.
I have expressed that the following addresses are incorrect and that they need to be removed. I have also called all collectors to update my only address that needs to be on file. The following names are also incorrect and have never been linked to my social security card. My phone number on file should also only be XXXX instead of this long list of phone numbers that are not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I sent over my DL and social security card with my name listed as XXXX XXXX XXXX XXXX and my address as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
i put a check into my account on XXXX XXXX,2016 i made a few purchases all the amount is accounted for yet Suntrust Bank still charged me XXXX over draft fees every time i put money in there they hold the money extra long then charge me a fee even if when i had not over drawn this is a copy of my statement pay close attention to the dates and how they take the money XXXX RECURRING CHECK CARD PURCHASE XXXX XXXX NY - {$14.00} XXXX RECURRING CHECK CARD PURCHASE XXXX XXXX CA - {$16.00} XXXX POINT OF SALE DEBIT XXXX XXXX XXXX {$110.00} XXXX POINT OF SALE DEBIT XXXX XXXX XXXX {$50.00} XXXX POINT OF SALE DEBIT XXXX - {$7.00} XXXX POINT OF SALE DEBIT XXXX XXXX - {$9.00} XXXX POINT OF SALE DEBIT XXXX - {$20.00} XXXX OVERDRAFT ITEM FEE FOR ITEM {$80.00} XXXX XXXX XXXX XXXX XXXX XXXX - {$36.00} XXXX OVERDRAFT ITEM FEE FOR ITEM {$16.00} XXXX XXXX - {$36.00} XXXX OVERDRAFT ITEM FEE FOR ITEM {$9.00} XXXX XXXX XXXX - {$36.00} XXXX DEPOSIT {$400.00} XXXX CHECK CARD PURCHASE XXXX*ONETIMEPAY XXXX FL - {$130.00} XXXX CHECK CARD PURCHASE XXXX*ONETIMEPAY XXXX FL - {$200.00} XXXX CHECK CARD PURCHASE XXXX XXXX CA - {$160.00} XXXX CHECK CARD PURCHASE XXXX XXXX XXXX XXXX XXXX MD - {$14.00} XXXX CHECK CARD PURCHASE XXXX XXXX XXXX # XXXX XXXX MD - {$58.00} XXXX CHECK CARD PURCHASE XXXX XXXX NJ - {$7.00} XXXX CHECK CARD PURCHASE XXXX XXXX NJ - {$17.00} XXXX CHECK CARD PURCHASE XXXX XXXX XXXX - {$10.00} XXXX ATM DEPOSIT {$230.00} XXXX ATM DEPOSIT {$1.00} XXXX ATM DEPOSIT {$15.00} XXXX ATM DEPOSIT {$1.00} XXXX ATM DEPOSIT {$10.00} XXXX ATM CASH WITHDRAWAL XXXX XXXX XXXX XXXX XXXX MD - {$80.00}
My complaint is with PennyMac Loan Services. I am a XXXX veteran and also exempt from paying property taxes in my county and state. PennyMac advertises many loan services to veterans and their families. PennyMac is not veteran friendly in my experience in dealing with them. The problem I am having with PennyMac getting my property tax escrows refunded and my monthly escrow payments reduced to reflect the exemption. I was approved by my county for the exemption XXXX/XXXX/2016 and after speaking to PennyMac representative I was told to submit the exemption letter and a Demand letter for my property tax escrows to be returned to me, which I completed on XXXX/XXXX/2016. After submitting these documents I received a reply telling me that these documents are not sufficient and that they need a tax bill from the county. After going back and forth with PennyMac I sent in the tax bill showing that I had a zero tax bill and also I was receiving a tax refund from the county. The response from Penny Mac is that a Tax agent from their company was working on it and a representative would be in touch. After two weeks and of nothing I decided to give PennyMac a call. The representative on the phone was very helpful and basically told me that nothing had been done regarding my exemption and no tax research was completed. This representative also called the county and verified that i have a zero tax balance and I have been approved for the exemption. The representative also advised me that PennyMac sent a property tax payment to my county on XXXX/XXXX/2016. This was weeks after PennyMac received a tax bill that I sent to PennyMac showing a zero balance.The representative also told me that PennyMac would have to wait to receive the payment back from the county before they could refund it to me, which is their mistake for making the payment in the first place. Why did PennyMac pay a tax bill that I did n't have if they supposedly did a tax research and contacted my county.The reason is because they did n't do anything regarding my exemption. I dont understand why PennyMac does not want to release my escrow to me when by law they had 30 days to return my escrow after receiving the documentation that I had a zero tax bill. The other problem is as the months go forward without a resolution and I am still making property tax escrow payments to PennyMac because they have not adjusted my account. I also have email documentation showing the responses from PennyMac regarding this case. I am also trying to do a VA streamline refinance with XXXX XXXX to get as far as I can away from PennyMac. The state and federal government agencies have extended many benefits and exemptions to XXXX veterans and their families and I do n't understand how these banking institutions feel like they are above the law and take these benefits from them.
Evidently we were suppose to recertify for the loan and didn't not get anything requesting this information. I could not login after multiple attempts for the full year. Would not take my security questions so I could request a new password. 

We were set up to be paperless so since I wasn't getting the emails I did not get the notice or the forms to recertify. We were not making a payment and as of today have extended it so we didn't miss a payment since we were deferred. We have renewed the deferment.. 

We have sent all the required forms to recertify and feel the 127 point drop in my score is unjust and needs to be corrected. I work very hard to keep my credit and to have something I am totally unaware of cause such a drop is unbelievable. I didn't get a XXXX score by accident. I pay my bills and would have taken care of this had I know they needed me to recertify. 

I have worked this out with XXXX XXXX  and need you to contact them to make the adjustment back to my XXXX score. If they are unwilling to cooperate please contact me so I may get involved as well. 

Appreciate you help in correcting this grossly unjust hit to my score.
My complaint is with Commonwealth Financial services AKA North east credit & collections. They have reinserted into my credit file again a bill for {$88.00} from XXXX of XXXX XXXX To XXXX and XXXX . The last time they did this it was reported also to XXXX which they deleted due to lack of validation. 
They are reporting this time to XXXX and XXXX. XX/XX/2014 it was deleted for failure to respond to XXXX request for validation. XXXX deleted for lack of validation in XX/XX/XXXX. In XX/XX/2014 XXXX deleted this account. I have sent certified letters to XXXX and XXXX explaining my request to remove for lack of Full validation and for reinserting this account. A certified letter was sent to Commonwealth Financial services also requesting validation and warning of reinserting this bill ( I suspect they changed account numbers to claim a new bill when in reality it is the same bill? ) They can not fully validate this account and continue to violate my credit rights by doing this. The last time this happened with them your Agency helped along with the Pennsylvania Attorney General complaint which also requested the deletion of this account. I would appreciate it if you could help me on this as I keep my credit good and will be applying for a home loan soon and do not need their nonsense on this constant issue for lack of validation. The previous CFPB complaint concerning this same company is # XXXX Thank you so much, XXXX XXXX
Professional collection consultants came to my place of employment and are attempting to garnish my wages for a debt I die not owe not ever have owed. They are attempting to collect {$4100.00} that I do not owe to anyone. I have no judgements, public records or collections of any kind. Proffesional collection consultants need to issue my employer a letter stating that I do not not never have owed this debt and all attempts to collect alleged debt need to seize immediately. I have already contacted a lawyer.
In XX/XX/2017 I lost my vehicle due to repossession there were several errors in the paperwork between the original creditor and the one who my account was transferred to. First of all I signed nothing with their company until almost 6 months after my account was transferred without my knowledge. I'm sure there are several violations in their procedures that I may not be aware of but I do know that they sold the vehicle " BELOW MARKET VALUE '' which proves the sale was not commercially reasonable. 

When I disputed the debt with the better business bureaus they advised that there was an issue with the transmission or the engine I can not remember however they never provided documentation of such, making it " Hear say. '' The debt is now " in collections/charge off status. '' A creditors failure to resell your car in a commercially reasonable manner may give you a claim against that creditor for damages or a defense against a deficiency judgment. 

I didn't mind paying this debt but they have put me in a bind and have unfair business practices that prey on the consumer. From the first day my account was transferred they changed my due date which went from bi weekly to weekly this caused tons of late fees on my account and increased my loan amount due.
I was XXXX and when I got out I went to check my balance on my card and I looked online and it said that someone had ordered a new card while I was XXXX and spent all the money off of the card I filed a dispute as soon as I found out I sent in proof of XXXX and they said that they did n't believe I was XXXX that they called the XXXX and they just said I was n't there which is it said that someone had ordered a new card while I was in XXXX and spent all the money off of the card I filed a dispute as soon as I found out I sent in proof of XXXX and they said that they did n't believe I was XXXX and they 're refusing to pay back the money they 're saying I thought they 'd think I was in the hospital.
On XX/XX/18, a certified letter was sent to XXXX XXXX XXXX XXXX regarding a debt owed in the amount of {$210.00} on my credit report. I specifically asked for authorization and validation bearing my signature regarding this said debt as I'm not aware of this claim. I was instead sent a bill demanding payment from another party named XXXX XXXX XXXX. I demand that they sent me validation of said claim or contact all 3 major credit bureaus to have this item deleted.
I had XXXX checkings and XXXX saving account with XXXX Bank before and now they merged into East West Bank. XXXX of my accounts has been charged service fee every month after they merged into East West Bank without any notice. I called the bank but they refused to credit me back the service fee and they were saying that I supposed to maintain {$2500.00} on each account. I told them that I did not receive any communication about these charges and I have been with the bank since XX/XX/1994 and never have this issue before. I ended up have to closed out all my accounts and only get two months refund back which is a very unpleasant experience.
I have been a victim of XXXX inquiry issue and I called to have these XXXX inquiry removed XXXX  XX/XX/17 XXXX XXXX XX/XX/17 XXXX XX/XX/17 XXXX XX/XX/XXXX XXXX XXXX X/XX/17 I wish to have these Inquiry removed asap ...
After XXXX XXXX failed to submit my paperwork for consolidation, my loans went into default and my credit took a steep dive. I switched to Navient and got my loans consolidated. Everything seemed fine at first but then came to " income based repayment option. '' After submitting for lower payments based on my income, I was sent information stating that my payments would be nearly $ XXXX/month and the only way to avoid making such outlandish payments would be to sign up for forbearance. I did and I was never told by doing so the interest in my loans would keep accruing. I do n't know what else to do to lower my payments except submit pay stubs as they suggested and reapply for lower payments.