WillisBack/dataset-financial-user-claim huggingface dataset:
I 'm basically filing this complaint against TD Bank, just to set the record and get the facts straight with the following situation : On XXXX/XXXX/15, I went to the XXXX, XXXX XXXX XXXX TD Bank branch to make a deposit so that I would n't receive any overdraft fees but when I got there I discovered the branch 's ATM was malfunctioning and not accepting deposits. At that point in time I realized I was not going to be able to make it to another TD Bank branch by the cut off time of XXXX XXXX, to avoid being charged several overdraft fees. So at that point in time I called TD Bank 's XXXX customer service number and after waiting for over half an hour, I was finally connected to a live TD Bank customer service representative. I explained what had happened and that same TD Bank customer service representative told me that I had nothing to worry about as long as I made the deposit at another TD Bank branch, on that same day, before XXXX, and he assured me that he was going to note my checking account so if by chance I did receive any overdraft fees, they would be instantaneously reversed/refunded due to the malfunctioning ATM, which the TD Bank customer service representative clearly and endlessly kept referring to as a bank error. So the next day on XXXX/XXXX/15, I received {$140.00}, worth of overdraft fees so I called TD Bank 's customer service XXXX number back and I explained my situation, especially the note that had been placed on my checking account the day before by the another TD Bank customer service representative, to the new TD Bank customer service representative that picked up my call. After reviewing my checking account, the new TD Bank customer service representative told me that the note never mentioned, authorized or suggested that any overdraft fees should be reversed or refunded. So I quickly requested to speak to a supervisor. So after going back and forth with the TD Bank customer service representative and supervisor and also after they both, together, reviewed my checking account several times, they reversed/refunded the {$140.00}, worth of overdraft fees. But they stated to me that it was being done as a courtesy and that 's why I 'm filing this complaint. It should 've never been labeled, noted, called, referenced or posted in my checking account 's notes as a courtesy reversal/refund, it should 've been labeled, noted, called, referenced and posted in my checking account notes as a malfunctioning ATM bank error. I once again find myself in the same situation with TD Bank 's customer service department : I would like to know which XXXX of the XXXX TD Bank customer service personnel I spoke to and with over the phone on either XXXX/XXXX/15, or XXXX/XXXX/15, was once again very disrespectfully and unprofessionally misleading, misinforming and with conviving intentions, purposely lying to me????
Me and my family are getting called repeatedly by Forward Movement Recovery ( XXXX ) for an online payday loan that i have never taken out. They are threatening to call my employer and threatening to call the police. I believe this is some sort of scam to steal personal information. The debt is not valid. And they will not send proof of debt or identify the who is original owner of this debt.
Below is the, somewhat lengthly explanation of what has transpired in our efforts to get help from Wells Fargo in modifying our mortgage and home equity loan. 

It 's not all bad. This began more than a year ago when I was assigned a woman named, XXXX XXXX, who was going to handle our request. When I explained we 'd like to combine our mortgage and home equity loans, she transferred me to a XXXX XXXX, stating it was not in her department. 

After a very long process and with the help from his manager, a man named XXXX, we were able to modify our primary mortgage. So far so good. 

In my final conversation with XXXX XXXX he informed me that he was transferring all of our documentation to XXXX XXXX. When asked what I should do about paying the home equity loan, he told me to make no monthly payments, since it was in the process of being revised. 

Herein begins our difficulty. 

We kept receiving requests for documents they already had as well as tax returns that, at that time, had not been completed. 

After a bevy of letters, most saying that they needed more time to " make a decision, '' we were then turned down for no apparent reason. A full explanation as to why was never given. 

I immediately requested a review of the decision. At this time we inherited someone named, XXXX XXXX. He never called us and I have never spoken with him. 

Instead we received more letters ( I have a XXXX inch file ) and another rejection, again with no apparent reason given. 

During an interim conversation with a man named " XXXX '' Who claimed to be the same department who handles complaints to you, I thought we were making progress. 

Just this week, we received an XXXX XXXX notice, which makes no sense since our primary mortgage has been on time for the past year. 

At this point I do not know what to do. 

I 'm a XXXX year old self-employed, XXXX veteran, trying to survive. What these banks are doing to the American public is a travesty. They shuffle papers and create a blizzard of paperwork, designed to dissuade and discourage, all the while begging the government for handouts and special favors.
XXXX XXXX XXXX was disputed and they do n't own the debt anymore. So, by law they have no more right to even report anything to the credit bureau 's. They left a wrongful dispute on my credit report. The account number is as XXXX XXXX XXXX XXXX sold the debt to another company. But they want give me the proper contact information inside XXXX to talk with someone about the debt. They all ways transfer me to a department and the number hangs up after 5 minutes of waiting. I am given XXXX XXXX ( XXXX ) XXXX email XXXXXXXXXXXX full authority to speak on my behalf please make notes on this case number that will be provided by the CFPB.
Chase bank took a loan application for a buyer on a contract written XX/XX/XXXX.to purchase a home. The loan officer did not do his job by getting the correct and required documents and expediting the loan process in a acceptable time line. The loan was denied 9 weeks later after the letter of pre-approval was given for her purchase nearly 9 weeks earlier, stating her income to dept ratio was too high. Nothing changed in her financial scenario in the time she was waiting to obtain the loan. The buyer and her agent did not speak or understand XXXX very well. The loan officer did not return calls to the agents or the escrow company. The buyer indicated he would go weeks before letting her know where her loan was in the process. I contacted the manager or Chase to voice a complaint. The manager did nothing to help or facilitate the loan. He told me to continue to work with the loan officer. He would not return calls or emails and kept the buyer, buyer 's agent, listing agent and escrow unnotified of the transaction for weeks. The buyer and seller signed XXXX extensions to close. I feel the lender did not act in good faith and it costs the buyer and seller money and time for the agents to continually try to contact the bank for information.
Dear Sir / Madam, I want to view my annual credit report and since I moved to XXXX, website is not allowing to view / download my credit report. Getting message that " this option not allowable in your country '' and instructed to approach you. Request you to let me know how can I get the report. Also let me know how can I reach you or you will be reaching me to get my contact & other details. ( Mentioned above not to share contact info and other details in this area ). Looking forward your response at the earliest. 

Thanks in advance, Thanks & Regards, XXXX XXXX ( XXXX ) XXXX.
I sell on XXXX. I have to use paypal as part of their requirements. Paypal when you purchase something takes the money immediately out of your bank account. However when depositing they take sometimes up to 6 days if it falls on a weekend. Then my credit union holds the money sometimes a day. I buy and sell so not having my money in my hand is hurting cash flow. I believe this holding money is a significant drag on the economy and there is no justification for such a long delay. The banks also do this when wiring money from bank to bank or processing a refund on a debit card. Is there a law that limits them. Is there anything you can do to speed up this process. Thank you
My mother have used my credit on multiple things that I did not authorize as a child and as an adult.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the XXXX account # XXXX .Ive Been trying to verify this account and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof
I have requested for Experian to provide me on how they verified the information on my report. These are not my accounts. I asked the following : " Who did you talk to at the original credit grantor? Did you write them? Was a UDF form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Do n't provide the generic response of how you use various methods. Please tell me exactly how you verified them and include the full name of the person you spoke with. '' Yet, they sent me a very generic response. They are not responsible with handling customer disputes and verifying account info. And they keep allowing the same company to post fraudulent inaccurate accounts to my credit report. This company keep changing account numbers and are an illegal operation.
Date : XXXX/XXXX/XXXX To Whom It May Concern : XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Equifax XXXX. XXXX XXXX XXXX, XXXX XXXX Please take notice on this date, the nature of this letter is to request the removal of the fraud alert on my personal credit reports. As you will see bellow, my correct identification information for your records : PLEASE UPDATE MY CORECT ADRESS TO MY FILE XXXX XXXX XXXX ss # XXXX dob XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have also included the following minimum XXXX ( XXXX ) proofs of my current mailing address Sincerely, XXXX XXXX XXXX ss # XXXX dob XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
On XX/XX/XXXX I was billed from an merchant. Once I saw the unauthorized charge on the account and did not recognize the charge so I called td bank and they advised it must be fraud. They did not advise me of who the merchant is. They did not tell me who to call. They did not guide me in any way to show me if this was fraud or a dispute. They treated it as fraud and received a sales draft or a representment back stating I authorized this charge and sent me the documentation dated XX/XX/XXXX showing XXXX XXXX is for the taxes I was refunded when I made a purchase in duty free. They claimed I did not submit the form however I did. I was advised to drop the form into the blue box thats in the airport which I did do. XXXX XXXX does not have a phone number that I can call. The number is out of the country and the transaction is still a billing error. By the time I saw the documents I had already received a letter dated XX/XX/XXXX stating they had issued a credit to my account and the dispute was resolved in my favor. XXXX XXXX XXXX  XXXX I started getting collection calls saying I owed this amount. I contacted the bank and they advised they never sent the letter and I told them they did. After them investigating some more they said the letter was sent in error. I have been going back and forth with the fraud/dispute department manager XXXX XXXX who advised I was wrong for claiming fraud and I said no one told me who it could possibly be so if the bank cant tell me who they are then how would I know. She said there was nothing she could do. I was sent to collections. It effected my credit and I was charged interest and late fees. XXXX said the letter was an error. No one caught this error before I was sent into collections. I had to call them to tell them they sent me this letter months ago. I asked XXXX to speak to my daughter and they talked on XX/XX/XXXX. XXXX advised she would submit the escalation and we would have an answer within 7-10 days. No one has called us back. We called two to three times and my daughter left voicemails for her to call back and she has not. Td bank has mishandled this case and incorrectly sent my account to collections and has not been in communication as promised. The transaction is still a billing error since I did everything I was told to do per the merchants terms and conditions and they refuse to take this dispute or credit the account for the error
AFNI NOW OWNS THIS XXXX DEBT. I HAVE DISPUTED WITH BOTH XXXX, AFNI, AND THE FCC. HERE IS MY STORY : AS A NEW CUSTOMER I WAS PROMISED A BUNDLE DEAL WITH XXXX AND XXXX XXXX FOR {$80.00}. I DID NOT WANT TV, BUT THEY TALKED ME INTO IT BECAUSE IT WAS SUCH A GOOD DEAL. I GOT MY FIRST BILL, IT WAS {$180.00} I CALLED THEM AND THEY ASSURED ME THAT MY NEW CUSTOMER REBATES HAVE NOT KICKED IN YET, TO WAIT 30 DAYS AND THEY SHOULD REFLECT. AFTER 30 DAYS.. ANOTHER BILL FOR {$150.00}. UNHAPPY I CALLED BACK AND THEY TOLD ME THAT THE PERSON THAT SET ME UP ON THE PLAN, DID IT WRONG!! AND THAT SINCE ITS BEEN 30 DAYS, THEY CANT CHANGE IT SO THEY HAD TO ESCALATE IT TO HIGHER MANAGEMENT. SO I DID. AND IT SOLVED NOTHING. I ESCALATED IT TO THE HIGHEST DEPARTMENT AND THEY TOLD ME THERE WAS NOTHING THEY COULD DO! HOW CAN THEY DO NOTHING WHEN THEY XXXX UP? NOT ME, THEM. THEN THEY STARTED BLAMING XXXX AND SAYING IT WAS THEIR FAULT, SO I GOT THEM ON A 3 WAY CALL AND FORCED THEM TO TALK AND XXXX ADMITTED FAULT SINCE THEY ARE THE ONES THAT SET ME UP WRONG. i WROTE A LETTER TO THE PRESIDENT, WHICH WAS THE HIGHEST THING I COULD DO WITHOUT HEIR USELESS SUPPORT AND THE PRESIDENT NEVER RESPONDED! I CANCELLED MY SERVICE AND THEY BILLED ME FOR THE REMAINING SUM OF THE CONTRACT FOR CANCELLING. THEY ROBBED ME. THEY DO THIS TO EVERYONE. ITS WRONG. THEY NOW SOLD MY ACCOUNT TO AFNI COLLECTIONS FOR A TOTAL AMOUNT OF {$1000.00}, I WOULD LIKE TO GET THIS DISPUTED. I contacted afni to dispute but have not heard back.
In XXXX 2015, I looked into securing an apartment for my daughter who had just XXXX from University XXXX XXXX, TX and had accepted employment with a XXXX company. We toured the " District at XXXX '' and decided that my daughter would like to live in this apartment complex. I then proceeded to write XXXX checks ( {$200.00} and {$170.00} ) to complete the application/administration and background check process. 
Several days later the district informed my daughter that the checks I wrote were returned as NSF checks. I immediately contacted my credit union and they confirmed that there were sufficient funds in my account to cover these amounts and that there was no shortage of funds in my account that would have triggered this issue. 

I then called the leasing office and tried to explain this matter to the agent. Since the leasing agent could not comprehend this issue I asked to speak to the business/accounting office. An employee in the business office spoke to me briefly and was extremely uncooperative towards me even after I offered to send a copy of my bank statement that would have clearly shown that there were adequate funds in the account. 
In the next 2 weeks I tried to contact the business office only to be told that they would not take my calls. The issue became compounded since I live in XXXX and could not drive down to the Apartment complex ( in XXXX ) without advance planning and inconvenience to my schedule. Since my daughter had to report to her new job on XXXX XXXX, we had to search elsewhere to secure a place for her to live. 
On XXXX XXXX, a debt collector ( from National Credit Systems ) named XXXX XXXX called my daughter and threatened and intimidated her, demanding that she pay {$470.00} immediately. My daughter was extremely traumatized by XXXX XXXX 's telephone call. I later called the collection company only to be bullied by XXXX XXXX repeatedly. I then called the " District at XXXX '' but they again refused to speak to me. I then sent them an email asking for an explanation. 
I received a reply from the manager - XXXX XXXX with an attachment that shows that they attempted to collect on the XXXX checks I had written, but the way in which they presented it to my credit union was incorrect. In fact the account number was correct but the account holder 's name they used was my daughter 's name and not mine. I immediately emailed the manager and pointed out the error. She then replied and stated in her email that she would waive some of the charges but I would have to pay {$170.00} in the form of a money order and once they received these funds they would contact the collection agency and instruct them to stop harassing my daughter. In order for my daughter to have peace of mind we decided to pay the {$170.00} immediately. 

I have the email trail with file attachments from the " District '' that clearly shows that they made an error but they continue to try to extract money from unsuspecting customers. 

I can be reached at XXXX XXXX XXXX if needed.
I got scammed by a guy named XXXX XXXX using Paypal. I wanted to buy some product from him and sent him a payment of {$130.00} on XXXX XXXX 2017to his Paypal account, XXXXXXXXXXXX. But he never sent the product that I payed for. So I contacted Paypal immediately on XXXX and tried to cancel my payment on Paypal but they did n't allow me to get a refund.
So.. Yes.. I accept that I did owe a certain sum of money that dates from probably about 2 years ago and Now turned in for collection.. I did n't have a opportunity to settle this.
Over the course of three months, I discovered I had {$14000.00} worth of fraudulent charges on my debit card. I notified Bank of America and they refuse to cover it. I had been seeing a woman during this time and it turns out that she was the one who was running up my debit card. I have filed a police report, submitted time sheets that prove that I was at work when some of these charges were made, and I even submitted a transcript of text messages between her and I where she admits that she was the one who charged up my cards. Bank of America has covered {$3800.00}, but wont cover the other {$10000.00} ( not including international fees ) and wo n't explain to my why they covered part of it but not the rest. I have made multiple phone calls ( at least 25 or more ) into the bank, and requested on every single call that I speak to an 'investigator ' ( the decision makers when it comes to fraud ) and have never once gotten a call. But when I speak to the fraud department, I have been told everything from they wont cover it because the charges were made from my IP address ( i would let her stay at my house when I went to work, I keep all of my debit and credit cards as well as all my passwords in a drawer at my desk in my home office ) to one rep telling me that because I let her stay at my house without anyone there, I was technically giving her permission to use my card-I NEVER gave permission, to one rep telling my that yeah the bank should cover it but it was n't up to him or his department. These are multiple charges that happened over the course of three months to place like XXXX. I cant even read the merchants name. Yet BofA tells me that their security team called or someone called in to justify these charges. my neighbor tells me that this woman had visitors while I was at work. But Bank of America NEVER called me to ask about any of this. They just refused to fight on my behalf even though I have submitted paperwork proving I did not authorize these charges. What I do n't understand and what they refuse to explain to me is why they covered some of the charges and not the others? They were all fraudulently charged without my permission!
XXXX through Google wallet had a lot of tech and other issues. I was being charge without getting the product. from XXXX XXXX. I 've been fighting with tap joy until XXXX XXXX when I filed a XXXX complaint on tap joy. I then contacted Google wallet Ans one rep gave some of the refunds back but his system would n't do the rest so he stated contacting my CC company to file a dispute. I did and they acted, Google closed my accounts requesting verification ID Card No. before they could open back up my account, I sent them the info, they stated within 24 hours my account would be back open. But then they contacted me back stated they suspended my account and will not open it until I ask mt credit card co. to reverse the charges back to them. ( They lied to me just to get my ID SSN and my credit card info. ) And now they kicked back the emails and responses to cover up their misdoings. after I told them I am going to report them.
I have a mortgage through Greentree/Ditech. I have paid on it for 20 years. The original loan was for {$24000.00}. They are now saying I owe {$7400.00}. I believe this loan should be paid off. I am recovering from a XXXX and no longer able to work. i have to live on my SS XXXX which is only about {$1100.00} A month. I hope and pray you can help me with this awful company.
To Whom This May Concern : I took a loan in XXXX from the Dept of Ed. Today I received a letter from Action Financial Services for a default on my student loan and this is XXXX of many. I last paid {$50.00} to the Dept of Ed XXXX XXXX 2016. They stopped sending the bill. This happens after paying right before the XXXX payment which throws me back in default. I keep trying to reach the Dept of Ed to get the bill sent to : XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX which is me who is typing the complain. 
They have went as far as taken my tax returns and NEVER applied then to the loans. I 'm concerned because they 'll tax my returns this year. I 'm at the point I 'm tired of fighting to get US Dept of Ed to except payment from me. 
I 'm a single Mom with a XXXX child that depends on my returns. I feel I 'm being scammed even thought I 've paid on and off for 10 years.I want a break down of all payments and I want to see where they applied my tax return. I 'm fighting a loosing battle. I 've spent hours of my time trying to do the right thing and pay my loan.I feel harassed by Action Financial Services XXXX CA XXXX. They wanted me to make payments to them when actually I was paying the dept of ed. 
I need this resolved with a break down of payments. All I want is to pay the bill to Dept of ED and not be harassed by AFS. At this point the time spent arguing to pay I should charge then hourly. I 'd love to be forgiven for this loan because of hardship and harassment. 
Please look into how I can start getting my bill mailed directly to me from the Dept of Ed Sincerely. 
XXXX Ohio XXXX XXXX ( cell Phone )
SPRINGLEAF FINANCIAL REFUSES TO PROVIDE VALIDATION OF THIE DEBT IN WRITING TO ME AS REQUESTED VIA FAX, TELEPHONE AND EMAIL. THEY FAIL TO PROVIDE INFORMATION CONCERNING THE INSURANCE THEY COLLECTED ON THIS ALLEGED DEBT. THEY HAVE N'T RETURNED THE TITLE TO THE XXXX XXXX XXXX XXXX THAT WAS USED TO OBTAIN THIS DEBT. THIS DEBT SHOULD N'T BE REPORTED ON MY CREDIT REPORTS.
My mother XXXX XXXX in 2016, and we have found that several credit cards were opened in my name DOB and SS number. I have been trying to get these cards taken off my credit report for identity theft with no success. I have sent an ID theft affidavit to them as well as other companies. Several companies have closed the account and taken off of my report.