WillisBack/dataset-financial-user-claim huggingface dataset:
On Thursday XX/XX/XXXX at approximately XXXX I went to my local XXXX XXXX XXXX branch ( XXXX XXXX XXXX, XXXX CO XXXX ), which has an ATM in an enclosed area attached to the bank. I made a {$100.00} withdrawal and remember fumbling with all of the cards in my XXXX XXXX wallet. I don't think I grabbed my money because when I got home I did not have it. I ran right back to the location, which is two blocks from my house and there was no money so I assumed the machine sucked the cash back in. I don't wear particularly baggy pants or shorts ever, so it falling out in the two blocks is very unlikely. I took out another {$100.00}. On Tuesday XX/XX/XXXX, I went to the branch and spoke with XXXX XXXX Sales and Service Manager. She initiated an internal dispute on the transaction and told me they would review the camera, the balance report from the ATM ( she said the ATM machine was separately owned ) and get back with me. I got a perplexing letter dated XX/XX/XXXX on the XX/XX/XXXX of that month stating that " no errors occurred with the transaction ''  and that the claim was being closed. I called customer service the next day for an explanation. I was bounced around several times between customer service and the fraud unit before I requested an escalation to a supervisor. XXXX employee # XXXX said she would correct the issue and ask the " ATM Regulation E Department '' to take another look. On XX/XX/XXXX, I received another letter stating that they got a duplicate request and would continue looking into the request. I called again on XX/XX/XXXX, to see what was going on and see if they were looking at it and if they needed anything from me. All they need to do is look at the camera and tell me if it was taken or sucked back in. If someone took it its my fault and the case is closed, but they will not tell me or give me anything. The last call on XX/XX/XXXX I asked for a supervisor callback and have received nothing. This is a customer service disaster on US Bank 's part, and I am beginning to think they stole the {$100.00} from me. CFPB please look into these unethical and illegal business practices.
They never sent me any signed copy of original agreement between creditor or collection agency or send me any proof that they have a right to collect in my state. Also there and hard inquiries that do n't belong to me i have ask for them to be remove for over two weeks
My daughter purchased a car from Santander bank. She has made all the payments and the car is completely in her name a XXXX. I made XXXX payments for her because she needed some help in XX/XX/2015. I am not sure what happened but the next thing I know Santander is calling me to make a payment for a car I was not liable for. It got so bad that one of the representatives told me I was liable for the car and they kept telling me I was. I finally got sick of it and got an attorney due to the continued phone calls. To my surprise they offered a settlement of paying off the car with a little cash but I have to turn in the car. How can I possibly turn in a car that does not belong to me. I did have another loan with Santander where I co signed for a car but that car a XXXX was repro 'd and I take full responsibility for that but the XXXX has nothing to do with them calling me and demanding payment for the XXXX. I am so frustrated at this point. There are recordings of calls made to me after the XXXX was repo 'd that had nothing to do with the XXXX it was about the XXXX. My daughter is now seeking legal advice as well based on Santanders actions. I do n't understand why they still believe I have ties to the XXXX when all documents ( the contract ) does not have my name anywhere. I think Santander is ridiculous and should get their books in order.
My bank HSBC has raised my fixed monthly mortgage payments over XXXX per month again without explanation. Fixed mortgage.Only thing I could get out of the many many phone reps i spoke to is my taxes and hazard insurance has gone up that much. NOT true-Increases amount to a few XXXX per anum total. I sent them ins & tax copies as I received from my brokers.HSBC left New York and I can no longer communicate face to face.When I paid the amount I had been paying every month they sent me a threatening collection letter demanding what they claimed I must pay.I filed same complaint vs. HSBC about a year or two ago and bank was forced to change my monthly billing back to correct amount. It 's extortion, I 'm a XXXX by the way but am helpless here.
Equifax has the following information on my credit report and it is not correct : Has a past address of : XXXX XXXX XXXX XXXX XXXX TX XXXX I have never lived in Texas. 

Shows a late payment account from : XXXX XXXX This has never been late. 

XXXX XXXX XXXX XXXX XXXX 
This account does not belong to me. 

Shows an inquiry from : XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this.
I have a rush card and XXXX $ was deducted from my account. I call and never get a answer or I 'm hung up on, I 've even been transferred many times just to be on hold more to be placed on hold more.
I had sent {$65.00} on  XXXX   XXXX     2017  to  XXXX . When the beneficiary went to pick up the money they had told her that the order of her name did not match the order they had and she could not collect the money. When I found out of the problem I wen t to Wells Fargo we re I had sent the money from on the XXXX , XXXX , and the  XXXX  of  XXXX   2017  and every time I went they told me they could not do anything and this is not the first time this has happened.I would like to get this problem fixed since the money is really needed by the beneficiaries.
this has been a longstanding and unresolved issue. I was a victim of id theft and fraud and synchrony bank illegally took XXXX from my now closed XXXX XXXX XXXX checking account. I was assured that the problem would be resolved but as of yet, the problem still exists and i'm extremely upset by this issue. I've submitted documents and a police report to XXXX XXXX XXXX at XXXX EXT XXXX. I'm extremely angry and I want this issue resolved immediately.
my credit report says that I opened a credit card account on XXXX XXXX with Citicards CBNA. I never even heard of this company before let alone open an account with them. Could you please help me.
A few months ago I requested my credit report from Experian. I got back this letter from them telling me that they received something that looked like fraud. I did n't get a chance to call them right away and I honestly thought it was some kind of mistake so I just went online and got my report from some website instead. 
I ended up filing some disputes because there was incorrect and incomplete information on my credit report. So I prepared a nice letter and sent it with a copy of my driver 's license, proof of my social security number and proof of my mailing address so that Experian would be able to verify my identity. 
It has been at least 2 months since I mailed my letter and I have n't heard back. When I try calling their XXXX number they want a report number before I speak with an agent and since I do n't have XXXX I ca n't speak to anyone. 
I thought that the credit companies had to respond back to me within 30 days otherwise they are supposed to remove things from my credit report?! 
Well it 's been way more than 30 days and all of the stuff I disputed is still there. I know I can go online and buy a credit monitoring service and try to dispute things online but I thought that Experian is supposed to help me for free! 
I 'm at the point where I 'm done wasting time and need to get this fixed immediately.
On XX/XX/XXXX, I mailed certified disputing two bankruptcies requesting an investigation, that are reporting negative on my Experian credit report. Experian received my dispute on XX/XX/XXXX @ XXXXpm, and to this day I have not received any dispute results which is a violation of the FCRA. I called to get an update on XX/XX/18. I spoke to the dispute department and they notified me that my case was now in the special services department. When i finally spoke to XXXX XXXX and another employee, and they stated that they didn't know what happened and why no results were mailed to me. They failed to provide me with verifiable proof required by their company, and that is violation under Section 611 ( 5 ) ( A ) of the FCRA. I also requested the description of the procedure to verifiy the bankruptcy and one the employees told me no, they didn't have to give me anything. That's another violation under Section 611 ( 6 ) ( B ) ( iii ). I spoke to the person that is actually over my case, XXXX XXXX XXXX, on XX/XX/18 and told him their investigation was incomplete and by law they have to delete the unverifiable items that were included in my dispute. He stated that he understands the law, but he could not delete it. I asked him why and he said they can only delete it if it was unverified during investigation. He also stated that an investigation was not done when I mailed my dispute. He stated that the last investigation was done in XXXX of this year even though I've sent disputes in after XXXX. Which is also a violation of the FCRA. Mr. XXXX stated that during the XXXX investigation they didn't contact the furnisher ( court house ) but contacted a third party vendor to verify the bankruptcy. Once again that is a violation of the FCRA and they could not provide me with proof of the verification. XXXX stated that once it comes back verified, it will always be verified without investigation and that is not right nor legal.
I sent Equifax a letter ( letter attached ) requesting the investigation procedure for several different items which are listed in the attached letter and below. Equifax received this letter on XXXX/XXXX/2015 ( delivery confirmation attached ). It has now passed the 15 day time limit for them to have provided the procedure. They are now in NON COMPLIANCE. Please see FCRA laws below. 
Items requested for Investigation Procedure:1. XXXX Account # : XXXX2. XXXX XXXX XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX Idaho XXXX XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX Idaho XXXX XXXX 6. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA XXXX XXXX XXXX XXXX sub-paragraph ( a ) ( XXXX ) : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( XXXX ) by not later than 15 days after receiving a request from the consumer for that description. 

Noncompliance- FCRA XXXX XXXX XXXX XXXX Sub-paragraph ( a ) XXXX ( A ) : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of -- ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}
I called and spoke with a representative about the promotion, asked to not have my credit pulled and was told there would be no hard pull on my credit, and indeed they did pull my credit, without authorization. Called the company directly to dispute and they said that I gave verbal authorization, I asked for proof of agreement and they had none, yet they refused to remove the hard inquiry.
Chase XXXX credit card falsely advertised that after spending {$1000.00} you would receive XXXX free nights at XXXX and they waived the {$75.00} fee the first year. When I applied on their site they still waived the fee but required you to spend {$2000.00}. After spending over {$2500.00} they assessed the {$75.00} fee and did not waive it. In the literature they sent with the card they just removed the note stating the fee would be waived!
Received a phone call, then was placed on hold. I was informed this is in regards to an alleged debt I am not responsible for. Also, the alleged original creditor is NOT listed on any of my credit reporting files. Note : the address mentioned in the attached letter has been updated to my current address. Current address has been in effect since 2014. Also, my credit reports are frozen, which prevents unauthorized parties from viewing my credit files without my permission.
I 've taken action during the past 60 days, to date MIDLAND FUNDING has not resolved my issue. Can you please support me in resolving this matter as I have followed all the necessary steps in disputing provided to me by the Federal Trade Commission, and the CFPB but have not bee successful. Should you need any other information, please let me know. 

Sincerely, XXXX XXXX
Paypal Credit refuses to accept settlement offer of XXXX with payments of XXXX a month or XXXX, they request payments of XXXX or XXXX for XXXX months which they have been advised I can not afford. If I could afford such a high amount then account would not be past due, the account showed payments as high as this amount prior but could not afford such high payment. They claim to have offered arrangements prior but none included a settlement, this was discussed with Paypal reps but were uncooperative. I 've detailed all this info in previous complaints which are numerous and continue to grow. Paypal reps like to lie, hang up the phone, or are uncooperative. The first rep lied saying there was a cease and desist on the account, could not discuss account with me. There was no such thing ever placed on the account, no mention of it by any previous or subsequent reps.The rep lied so she did not have to take the call, could go home before closing time of XXXX PM EST. The reps I did speak with were advised there is fraud charges on the account from an Ashford.com which run into the thousands, do not have exact total available to me .Fraud claim was denied and still insist on payment. Another rep breathed into the phone, then hung up abruptly after I said hello several times. One of the last reps by the name of XXXX wanted XXXX or XXXX a month but again, I can not afford such a high amount. Their mention of any prior offers of payment arrangement is a moot point as they do not include any settlement portion and their reps have been rude, uncooperative in calls. Paypal fails to take into consideration fraud, which they have denied as a claim. Please advise them I have a counter offer of XXXX and they have until forever to accept it.
I have a personal loan with One Main Financial. My probelm is repeated phone calls and mail about my account. i have attempted to clarify the terms of my loan to no avail. My due date is the XX/XX/XXXX of the month, my grace period before late charges kick in is 10 days. While my payday is the XX/XX/XXXX usually, I don't mail my payment until that date. which allows 6 days for the payment to reach them. My problem is I begin receiving phone call and mail correspondence the day after my due date of the XX/XX/XXXX. Currently on my phone I have saved over 40 phone calls in 60 days and 28 pieces of mail in just over 30 days. All this is going on while I am traveling everyday to take my wife to XXXX XXXX. My question is do I have any options legally in this matter..
I received an alert from XXXX on XXXX XXXX, XXXX that XXXX XXXX XXXX has reported that I now owed them {$17000.00}. I was confused. I quickly contacted XXXX XXXX XXXX customer service and ask them what is the current amount I owe on the loan. The customer service rep advise that I only owe {$2500.00}. I told her that they had reported to Experian that I owed $ XXXX. She was well there is nothing we can do about that you will need to file a complaint. I was like that does't make sense there is no other department that I can talk to about the error. She said no. She told me to file a complaint. So that is what I am doing.
I contacted Contract Callers Inc with a Validation letter sent via certified mail. I received their response via mail XX/XX/18 which did NOT include any signed documents/contracts as evidence I agreed to pay them any amount of money they say I owe. 
They have refused to remove this inaccurate info reported in my credit file with XXXX, XXXX, & XXXX which is a clear violation of the FRCRA & FDCPA.
I 've never received any correspondence and any debt validation notice from MIRAMED REVENUE GROUP. I called the number listed on the credit report. Only to be given incorrect information. I request for debt validation as well as proof of date of service for so call medical bills this bill is for. The rep. " XXXX '' informed me that MIRAMED does not have nor provide this information for date of service etc. I inquired how can you bill me if you are not providing me with all the details etc. She informed this is their collection policy etc. I told her to have MIRAMED send me a debt validation letter along with the detail for the date of service they are now attempting to collect for etc. 
She said they will not be able to provide that information that I would need to call my insurance company. Why would I need to call another entity when MIRAMED REVENUE GROUP is the one stating I owe the bill not my insurance company. 
Please have this company stop their bad debt practice. I want this information removed from all credit files XXXX XXXX and XXXX FROM UNDER MY NAME ETC.
I signed up for a Citibank Citigold account with a sign up bonus offer ( XXXX Thank You Points ) that I received in the mail. I met all the requirements ( XXXX consecutive bill pays for two months ) of the bonus and did not receive it. I called and talked to a rep who told me I met the requirements and would receive the bonus in 1 month ... it did not come. I called and talked to a second rep who told me I was good to go and they would apply to my account in another month ... it still did not come. I filed multiple complaints with them and they said I was not targeted, even though I was via mail. Furthermore even if I was not, they told me on multiple occasions that I met the requirements and the points would come in.
I received an email stating that a debt collector called collection bureau of fwb has been placed on my credit report back in XX/XX/2013 for {$57.00} dollars. I disputed this many times stating I have no knowledge of this account, I never even heard of XXXX XXXX. I'm very upset that this has been placed on my account due to me not even knowing about this medical facility of whatever this maybe. I've tried contacting this place to notify them that I have no knowledge of this account and to remove this off of my credit report.
Portfolio Recovery- XXXX, contacted my employer about my debt. Its against the law, now I have been placed on evidence with the people I work.
On or before XX/XX/XXXX, I sent XXXX XXXX XXXX XXXX ( SPS ) numerous requests ( 6-7 ) for information regarding my XXXX parent 's home in an attempt to establish communication regarding loss mitigation possibilities available by law, as a Successor in Interest. It was not until XX/XX/XXXX, after filing a CFPB complaint did SPS respond with a procedure for me to follow to document and verify my status as Successor In Interest. I expeditiously faxed the required documentation as requested the very next day and followed up with SPS via telephone on XX/XX/XXXX. Their response was, " we have no information regarding your request at this time. '' When asked when they would know, they stated we do not know when, call back in a few days to check. Please keep in mind I had already been verified by XXXX as a Successor in Interest prior to XXXX sending my parent 's loan to SPS for servicing. SPS 's response was that I had to start the process all over again. Therefore, this process has been going on for well over six months. SPS 's calculated attempts to impede my lawful rights as a Successor in Interest is suspicion for fraud. As time goes on, their self serving profit generating actions further impede my right to explore loss mitigation options that may allow me to keep my parent 's home and avoid litigation. Therefore, SPS continues to violate the early intervention requirements of the Real Estate Settlement Procedures Act, as well as other laws enacted to protect the consumer.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, WA XXXX Sent me a bill offering to accept 50 % of the amount owed to XXXX XXXX XXXX XXXX XXXX XXXX service XXXX XXXX Account I do not have, nor have I ever had, a XXXX XXXX  account or any account with either XXXX XXXX XXXX, or XXXX XXXX While XXXX XXXX XXXX may be a legitimate company, the loan itself does not exist and has never existed.
My husband and I have had a BoA account together for over 10 years. A few years ago I noticed an automatic debit from our account of {$150.00} that was not associated with any company and I feared a fraudulent transaction so I called the fraud line and the associate was as surprised as I was because there were no transactions details. She agreed to investigate. A day later we were informed that it was a BoA charge and they indicated that this charge was for a safety deposit box that my husband and his former spouse had together 20 years ago in another state. We were also informed that the debt would continue to accrue unless we flew back to XXXX ( we now live in XXXX ) and paid to have the box drilled to the tune of {$170.00} and emptied ( former spouse had both keys and had agreed verbally to empty and close the box which was not done ). 
BoA was unable to collect from his former spouse because she was now with another bank. Apparently during an audit BoA discovered that my husband now again held a BoA account so they debited our joint account - without any notice, identification or information re : the reason for the charge that was actually owned by my husband and his former spouse. After all even the bank technician was mystified by the debit and to investigate. All total we were changed {$320.00}. I can actually understand the drilling fee. But I can not understand the legality of charging our joint account-under the cloak of darkness- especially when this charge is ultimately shared by me, an innocent party. My question : was this legal? Was it proper? Is my husband jointly and severally liable for that prior debt and by default so am I because I share a new account with him at BoA? If so, can a bank just randomly charge our jointly held account for debt owed by my husband and his former spouse just because they have access to our account and can do so without notice at all? Thank you for your assistance.
My wife and I sent an investigation request to the credit bureaus on XX/XX/XXXX. They were supposed to respond in 30 days, but have not. Our follow-up letter has also been ignored.
Professional Adjustment has a bill from XXXX XXXX that is 6 years 6 months old and it still remains on my credit report. I will never pay this bill as medical treatment was not rendered by doctors, and it has been on my report over the allotted time.
I received my XXXX 2017 credit card statement from Synchrony and on that statement I am being charged interest. Instead of following my instructions of paying {$70.00} on the promotion charge and the rest on my other auto charges they are reducing the full amount of my payment toward only the promotion amount and not deducting from my other expenses as instructed causing me to incur interest charges.
This account was paid in full before collections action began. Please research and have this account deleted from my Experian credit report. this account is negatively affecting my report.