WillisBack/dataset-financial-user-claim huggingface dataset:
I am writing to the CFPB with the hope something could be done to persuade Bank of America to consider our claim of fraud and reimburse us the money that was stolen from us. XXXX fraudulent checks were written on a Bank of America checking account that my twin sister and I share jointly. We are the only ones that have access to this account and share XXXX checkbook. This account had an average of XXXX checks written on it per month totaling to an amount of a XXXX dollars. For XXXX consecutive days in XXXX 2015, XXXX separate fraudulent checks withdrew large amounts of money out of this checking account totaling {$6600.00}! We were never alerted to this activity and it was not noticed until XXXX XXXX, 2015 when I was reviewing our transactions. I immediately contacted the Fraud Dept for Bank of America and was reassured that once fraud was proven we would be reimbursed what was taken. Apparently, that was not true as our claim was denied because the fraud was not brought to the bank 's attention within 60 days of the incident. The bank does not claim any responsibility for noticing this unusual and criminal behavior. We were told that it was entirely the customer 's responsibility to be diligently aware of what was happening with their account. And usually I was very diligent in that regard. I would look over our transactions on a monthly basis for budget purposes. The 60 days following the fraud were the busiest 60 days of our lives. We were making a major life change at that time. We sold a house, we bought a house, we moved to a new city, we were working at a new job, and we were also taking care of our elderly mother. My usual practice of reviewing our bank account was delayed. The Fraud Dept ask me to write a letter explaining our circumstances and maybe an exception will be given to us. I have initiated XXXX requests for the agent to contact me, but have yet to hear from him. Bank of America advertises to its customers that they are on the look out for suspicious activity that may be fraudulent and that we need to keep contact information updated in order for them to let us know. Why are then we held responsible? We are devastated by this financial loss and the complete lack of support from our bank. Please help us if you can. Thank you.
My name is XXXX XXXX and I am filing a complaint on Cawley and Bergmann. I was shocked to find on my credit a debt of XXXX in XXXX or XXXX after running my annual credit report. I reached out to this vendor and they informed me that they were given my loan from XXXX XXXX. I did not understand what this debt was until further investigation which it belong to XXXX that had closed their loan offices in XXXX. When I spoke with them in XXXX, Cawley and Bergmann acted like they were a legal agency who was taking me to court so I out of fear begin payments of XXXX per month and eventually as they called once a year and informed me that I was n't making a dent in my account I increased to XXXX per month. Several times I was inquiring about how the debt went from XXXX to XXXX and they informed me it was because of interest. This year I did some research about understanding my rights and I was informed that a agency should not misrepresent themselves as attorneys and any threats made to the consumer are also illegal. Furthermore, when requesting to speak with the initial debtor I was told I could not and they were handling my account. When reviewing my initial documents and questioning the amount I owed I discovered that I only owed about XXXX. Because XXXX is no longer in business I was also made aware that they went bankrupt and that it may be possible that my debt is cancelled. I am wondering since I have paid Calwely and Bergmann almost XXXX am I still required to pay more than 50 % of my loan. I read that a consumer must only be made to occur only XXXX percent of additional fees.
I turned in my leased car in XX/XX/XXXX and I was on an automatic draft. Today on XX/XX/XXXX, I was charged $ XXXX   monthly payment despite having turned in my vehicle more than 40 days ago. 

This is unfair and an unfair and deceptive practice in Florida. Please demand that XXXX XXXX correct this issue for me and for all future account holders. Thank you.
I deposited a check into my Bank of America personal account from my business account. The deposit slip did not state a hold will be placed on the check, at the time of the deposit. However, the next day when I looked at my account I saw a hold was placed on the check even though it was already debited and paid from my business account. This resulted in a returned ACH check and a fee of {$35.00} for NSF. 
I called Bank of America and was told there is nothing that can be done even though the check from my business account was paid and the ACH will be returned.
I have multiple late payment reported in my report from Salle Mae and XXXX XXXX XXXX dating back XXXX through XXXX for my account. The reason for the late payments was that after graduating in XXXX I could n't find a job for a long time. Once I did I attempted to make the payments but it was never enough. My parents did n't want to let me live in their apartment and I was forced to move out and stay with a friend. I fell behind on my payments in order to pay for rent and food. It was very rough and I did n't know how to explain to my creditors at the time that I would need some sort of deferment while I was handling this issue. I did n't know a thing about how to manage my money then and I made the mistake in falling behind. It was n't until late XXXX that I 've manage to get back on my feet and had the ability to manage my money better. Since then I 've been working hard to keep my record clean. I 've been keeping up with payments and took responsibility for my actions. That being said, I still bear a black mark on my record which is prohibiting me finding a place to live. This is very concerning because I may find myself out on the street. I do n't keep in contact with any family member and I have no other choice but to try and get rid of this mark so that I may find a place to live. I would be extremely grateful if these marks could be removed.
30 Day late payment reported to the XXXX, Transition and XXXX. I have never been 30 days late on a payment to this company The company solicited me for a payment extension through repeated telephone calls between XX/XX/XXXX and XX/XX/XXXX. I am a native Floridian  and was affected by the XX/XX/XXXX Hurricane in XXXX Florida. I eventually spoke with a XXXX XXXX XXXX Representative and they place a payment extension on my credit report. I was later reported to the credit bureau. I was told by a representative, it was for a late fee. I have kept a copy of all my credit report back to XX/XX/XXXX and at no time on any car loan have I been reported to the bureau for a late fee. I purchased this car at XXXX XXXX in XX/XX/XXXX. I never received any correspondence from XXXX XXXX XXXX until the latter Part of  XX/XX/XXXX despite repeated calls to this as to my due date and actual car loan amount. My payments are due on the XXXX of each month. I have always paid my payments prior to 30 days. The Representative acknowledge this information and told me, they would not report me for payments prior to being 30 days late and the late fee was reported for the 30 days late in XX/XX/XXXX when the extension was applied. I asked, " if its for XX/XX/XXXX, why was I reported for XX/XX/XXXX? '' He stated I would need to write XXXX XXXX XXXX to request the removal. I wrote XXXX XXXX XXXX as well as each credit bureau to no avail. Just before this reporting, I had two car loans from a XX/XX/XXXX Chapter XXXX Bankruptcy and XX/XX/XXXX XXXX XXXX bankruptcy that was removed from my credit report in XX/XX/XXXX. Since challenging these items, I've notice consistent removal of items that have been on my report over ten years. The removal causes my score to improve and within a few days of this score improvement, a new re-aged item appears on my report from medical collections, auto loans that were previously removed that were included in the bankruptcy. I have sent disputes multiple times XXXX, XXXX  and Transunion, this time around, I received an email their investigation will need more time, I assume because I attached each of the credit reports I've received from them dating back to XX/XX/XXXX, including disputes that they mailed me in the past letting me know when these accounts were and will be removed from my reports. I also sent them prove of my XXXX XXXX XXXX Payment History since day one where i've never been thirty days late, ever. They are still investigating the late pay for the fourth time, including the XXXX XXXX car loan that was deleted with my Chapter XXXX Bankruptcy XX/XX/XXXX with XXXX. All the while my credit score continues to suffer from their non compliance of the fair credit reporting act.
PNC 's policies for funding a mortgage escrow account are arbitrary and demand more than is necessary to cover expenses. They have a rationale, but the method ultimately demands more than is necessary. The consumer has no practical way to dispute or negociate the demands. 
Additional complaints concerning PNC 's collection policies and internet access to account information can be found any number of places, but I can describe a typical PNC experience relatively objectively : All telephone calls to PNC will subject the consumer to repeated disclaimers concerning the rights of the mortgage company. The first representative will verify all current contact information very specifically, item by item. When the issue of website access arises, the consumer will ultimately be told, for any number of reasons, that PNC can not provide immediate access to account access, because the account can not be verified. Resetting a password ultimately involves a company policy that requires the use of a PIN number that is only sent via standard mail. Since is sent via regular mail, it can not be tracked, and it creates a delay that prevents the consumer from having access to necessary information before a payment is due.
I recently opened an account at populardirect.com, a division of Banco Popular North America. After requesting twice they delete the external account I had linked for transfers and were unsuccessful, I decided to close my account. I 've requested the account be closed and all funds returned to me over a month ago. I 've contacted them approximately 5 times and each time there is some problem why they ca n't close the account. I 've been told conflicting things each time I contact them. For example, I was told they could ACH the funds to another account once the account closure is initiated. Yesterday, on XXXX/XXXX/16, the customer service rep. indicated that they could only release the funds via check after I sign a document which may take XXXX10 days to receive. They are unable to fax/email the document.
My main bank had always been Wells Fargo. I called asking if they offered a better rewards credit card than the 1 % Wells Fargo reward card that I had, because I kept getting better offers. The wells fargo representative told me they did indeed have a better offer and that I could go online to sign up for it. I went online and sure enough it stated in big bold colors and words. ( 1 ) {$150.00} rewards bonus if {$1000.00} was spent in the first 3 months ( 2 ) 0 % interest for 12 months. Online it said to see if you qualify for the introductory offer fill out the forms, which I did. I clicked through and online it said I qualified for it, I also got an email congratulating me for qualifying for it and that my card would be sent in so many business days. The card arrived and no where in that paperwork did it say I did not qualify for the introductory deal. So I proceeded and put $ XXXX in charges on in with in the first 3 months. But then they started charging me interest on the card, before the 12 months was up. They also refuse to honor the {$150.00} rewards introductory bonus. They are saying if I had read the fine print it would have said if I have another wells fargo credit card I would not qualify for intro bonus. But that is hogwash, no where did it say I did not qualify, It said fill out this form to see if you qualify for the introductory offer, and no where did it ever say I did not qualify for intro offer, nor did I receive an email denying offer, nor via USPS. So this is clearly another Wells Fargo credit card scam they are pulling on unsuspecting people. 

I will be closing all my accounts with Wells Fargo in the coming weeks after I work out details of another bank, but this is a clear case of them committing internet fraud on people. 

Please help in stopping this big bank from continuing to commit fraud on American Citizens. 

Many Thanks, XXXX ( XXXX )
In XX/XX/2018, I contacted XXXX to have them come out on XX/XX/18 and spray for ants. I paid the initial fee of {$99.00} for the first visit and agreed to quarterly payments of {$120.00} every three months. 
On XX/XX/18, I emailed XXXX at XXXX saying that the ant problem was worse than before they came. She said that was normal. 
I emailed several more times saying I wasn't pleased with their service as the ants were still invading our house. 
On XX/XX/XXXX, I emailed stating that I did not want their service any longer because the ant problem was never resolved. I started getting emails saying that I owed them the {$120.00} for the first quarter even though it hadn't even been 3 months yet AND I paid for the initial treatment. 
I emailed XXXX on XX/XX/XXXX complaining again that I was still getting bill notices even though I had canceled the month before. 
I then contacted XXXX on XX/XX/18 and he basically said I never canceled even though I had a trail of emails showing that I did AND we weren't getting service from them anymore so why would I owe anything. He refused to listen or help with the situation. I have tried to contact him several times more and have received no response. 
In XX/XX/XXXX, I received a bill from Optio Solutions Collection agency for {$350.00}.
Repeated calls on my cell phone from BBVA Compass at XXXX and XXXX   concerning some type of debt of which I have no knowledge. I attempted to contact the caller  but was able to do so. It is not my debt. The debtor 's name caller use is not my name.
While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX on or about XXXX/XXXX/2014 on EQUIFAX credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.
XXXX XXXX XXXX first contacted me in XX/XX/XXXX about a {$540.00} XXXX bill that had somehow become associated with me via XXXX XXXX XXXX Services. I contacted XXXX XXXX XXXX Services and we found quickly that the bill was in error - I was incorrectly identified as the person who owed the bill. XXXX XXXX XXXX XXXX contacted XXXX XXXX XXXX several times, and explained to them that the bill was in error - I never should have been charged as they had billed the incorrect person. A quote from one of the correspondences to XXXX XXXX XXXX from XXXX XXXX ( Medical Billing Supervisor ) : " Please remove CR XXXXXX to also include any credit bureau reporting. This patient account was placed in error. The information placed with collections was for the incorrect patient. '' I thought the matter closed, but on XX/XX/XXXX I received a letter from XXXX XXXX XXXX that I still owed money on the erroneously assigned bill. The letter stated " According to records provided by XXXX XXXX Florida - EMS, your account is past due and remains outstanding. '' This is a direct contradiction to what XXXX XXXX has tried to explain to XXXX.
The original charge was for ambulance services provided by  XXXX  on  XX/XX/XXXX , taking my father,  XXXX   XXXX , from his   XXXX   XXXX   facility   to a hospital after a   XXXX   XXXX  . The service was incorrectly coded, so  XXXX  denied payment. Therefore, direct payment was arranged with  XXXX  to pay the bill of {$700.00} ), first on 5 recurring payments from  XX/XX/XXXX  of {$63.00} each ( totaling {$310.00} ) and  one  final payment on  XX/XX/XXXX , in the amount of {$380.00}, bringing the total paid to {$700.00}. As a side note,  XXXX   XXXX  passed away  XX/XX/XXXX .     At some point after full payment was made,  XXXX  passed information on this charge to a collections agency (  XXXX   XXXX   XXXX   ,   XXXX  - an affiliate of  Pendrick Capital Partners,  LLC ), who attempted to bill my mother,  XXXX   XXXX  ( who is  XXXX   years old and requ ires my assistance for her financial affairs ), for a total of {$690.00}. I contacted  XXXX  by phone, who stated the account was paid in full, and the collections was a mistake. I contacted   XXXX   by letter, showing proof of payments made. On  XX/XX/XXXX ,  XXXX  replied acknowledging the dispute letter, and stated they had ceased collection of the account pending investigation of dispute. Nothing was ever heard from them again.     In  XX/XX/XXXX , another affiliate of  Pendrick Capital ,  Affiliate Asset Solutions LLC, wro te to my mother demanding payment of {$690.00}, without any acknowledgement of the previous dispute or proof that the payment was not owed. Fascinatingly, they changed the date of service for the ambulance from  XX/XX/XXXX  to  XX/XX/XXXX . No service was provided on  XX/XX/XXXX . They did not acknowledge the patient / consumer,  XXXX   XXXX , had passed away. My response was to send the entire package of proof of payments in full to  XXXX , along with copies of the letters received and sent to  XXXX . I received no acknowledgement of this package.     Yesterday  (  XX/XX/XXXX  ) I re ceived ANOTHER letter from  Affiliate Asset Solutions , this time offering my mother a " discount '' of {$240.00}, demanding a payment of {$450.00}, which was due the date the letter was received in the mail. There is no acknowledgement of the previous disputes, proof, or death of the actual consumer of the original ambulance service. Today I have downloaded your template letter demanding they cease to contact my mother about the debt ; attaching the entire package I keep sending them proving the debt did not ever exist.
This company gave me an extremely high interest rate. Then after a two years of never missing a payment I received an email from the dealership stating since I made all my payments on time they would try to get my payments lowered. When I contacted the finance company to discuss this matter they stated they were unwilling to get the payments lowered for me and to contact someone else to get it refinanced. Now the payoff is so high based on the interest rate that I ca n't afford to trade it or sell it without taking a major loss.
I receive calls from this number daily at different times. Was getting voice messages about speaking with a XXXX XXXX and where they can find this person. Recently these have been automated calls asking me to hold and someone would speak with me. The hold time is over 2 minutes and no one answers. These people have been informed that I do not know this person and this number is registered on the National Do Not Call list.
Two days ago I get an alert that there was a change in my report. I looked on an seen that Enhanced Recovery flagged my report, as I 'm unaware of this company and have never had any contract with this company so the negative report was alarming. No communication or letter was every sent nor attempt to be mailed to me, which I would request debt Validation immediately.
My family income rate decreased which lead us to apply for a loan modification 3 years ago. This process of mitigation has gone back and forth for 3 years with no resolution until now ... .FORECLOSURE! A realtor company just arrived to my door to inform me that our home was forclosed on Tue, XXXX XXXX. No one from Nationstar had contacted us at all. We were told that the foreclosure process would be stopped upon receiving the requested documents. This loan started with XXXX XXXX XXXX but was sold to Nationstar. The communication is horrible with Nationstar, until the last minute, to request an IMMEDIATE update on paperwork and repetitive forms that have already been faxed or emailed with confirmation. However, we ALWAYS immediately send every form/document, hardship letter, profit and loss statement, letter of explaination, etc has been sent in a timely manner. We do n't always get a confirmation from Nationstar that they 've received the documents so we have to call or email them. We ca n't get any one particular person to handle our case so it 's always difficult and almost impossible to consistently reach someone to discuss your case or issues. No clerk/technician ever has any concrete information about your case being settled, etc. They can only tell you if the documents have been received or not. After successfully receiving all requested documents our home has now been foreclosed. We 're capable of paying for our home but not at these extremely high interest rates. We 'd still love to keep our home but just do n't know what else to do. We 've even been using a third party, XXXX XXXX XXXX ( Foreclosure Prevention ) to no avail. XXXX is just as shocked about the foreclosure as we are and instructed me to file this complaint. Also, the realtor, XXXX, suggested I file a complaint as well because this happens too often and it does n't seem as though banks want to work with the occupants at all. What else is the consumer to do when you 've done all that was requested? All requests were honored in timely manners. If at all possible, IMMEDIATELY. We 've worked hard for what we have and are fighting for our rights to be property owners at this address. We 're young hard working professionals as a family of XXXX, who 's faced hardships and misfortunes just like others but we 're financially stable now and do n't know what else to do. PLEASE HELP!
Hi I initiated a balance transfer from my HSBC credit card on XX/XX/XXXX for {$4500.00}, with the intent of transferring the money to another card of mine with XXXX XXXX. It is not XX/XX/XXXX. 

The {$4500.00} balance has yet to show up on the XXXX XXXX card. My complaint is twofold : 1. I  have repeatedly called HSBC for clarity and received no response. I have a Premier Relationship Manager who has not helped. I see this as my only alternative. 
2. I am being charged interest on my HSBC credit card for the balance transfer, but am not receiving the interest reduction on my XXXX. With no clarity on when the transfer will occur ( i have been told multiple time frames ), I do not know when I will get the benefit on my XXXX. Delay in applying the balance transfer is a misrepresentation and dishonest ( and hopefully illegal ). 

Thanks XXXX
We went to buy XXXX cars, and the dealership said they would only run our credit once and share the info with the lenders. Now I have XXXX hits on my credit report because the lenders also hit my credit report. There were XXXX companies that hit my credit twice 10 days apart. Ally and XXXX hit my credit on XX/XX/XXXX and again on XX/XX/XXXX. How do I get the second hit removed on each one?