WillisBack/dataset-financial-user-claim huggingface dataset:
I live in New York and pursuant to New York State law, campaign contributions and expenditures for those seeking elective office must generally be reported in detail to the New York State XXXX XXXX XXXX. 
I attempted last week to open a campaign finance account at Chase for an upcoming local election. I provided registration information in the form of campaign finance forms showing that the candidate had registered with the New York XXXX XXXX XXXX XXXX and taxpayer id information showing that the entity had been registered with IRS. The bank was chosen because the Treasurer personally has accounts there and uses both a suburban branch and a XXXX branch. The campaign finance treasurer is well known by the bank branch, having conducting substantial business over the years. Her integrity is not in question. I will have signature authority over the account as well and I also have personal accounts at Chase. The candidate would have no signatory authority over the account. 
CHASE declined to open a campaign finance account. I protested this decision, pointing out that it was part of the bank 's CRA responsibilities to provide services required by the community. XXXX candidates need to be able to have depository accounts in order to comply with New York State XXXX. I asked to speak with a CRA representative but the branch manager said there was none to whom they could refer me. I have filed a complaint with the bank and told the branch manager that I am filing this complaint with you. Several years ago, I had this same problem with XXXX XXXX XXXX Bank who initially said " no '' to an account but changed its mind pursuant to its CRA responsibilities. 
The Chase branch manager stated that they did not want to provide a campaign finance account to a single candidate because she was concerned that it would appear that they would be favoring this candidate. This rationale might make sense if the candidate was seeking a loan or a contribution. But all that is requested is a simple checking account. 
I am looking for relief in the form of a CRA policy that requires banks and bank branches operating in New York to provide the depository/checking accounts that are required for candidates to run for elective office. This campaign finance activity is a very fundamental activity of our democracy and federally chartered financial institutions must provide the services needed by the community members to run for elective office. 
I would greatly appreciate speedy resolution. Other banks in the area have also declined to establish such accounts. Until a depository is identified, this campaign can not deposit checks nor pay vendors.
Stillman Law Office XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX on behalf of XXXX XXXX XXXX filed a case against me on XXXX/XXXX/XXXX with the XXXX district court, case # XXXX which was dismissed XXXX/XXXX/XXXX for non-service. A subsequent case was filed by XXXX on XXXX/XXXX/XXXX case # XXXX this case was also filed at the XXXX district court in Michigan. 

The court ledger states that on XXXX/XXXX/XXXX I was " personally served '' at an address that I had not lived at in at least 3 years. A default judgement against XXXX/XXXX/XXXX me was entered because I was not personally served and did not arrive to court. I had no knowledge of the court date. Ironically, the initial case filed by Stillman, # XXXX was sent to the address I moved to from the address listed in case # XXXX. The judgement was for a writ of income tax not wages. On XXXX/XXXX/XXXX a writ of periodic garnishment was entered. I still at this time had no knowledge of this or given proper notice of this case for 9 years. On XXXX/XXXX/XXXX, after my initial notification of the garnishment from my employer, I filed an objection to garnishment with the XXXX district court. I was also granted a hearing. Stillman Law acknowledged the objection with a letter to the court on XXXX/XXXX/XXXX. The court date for the ojection hearing was XXXX/XXXX/XXXX. I traveled from my home XXXX miles away for the hearing only to find that Stillman entered a satisfaction on XXXX/XXXX/XXXX and my money was sent to them. During the hearing I was the only party to show up and was granted an objection to garnishment. The court papers stated my money should be released to me immediately. I called Stillman law to inquire on getting my money returned. I was advised somebody would call me back and have not received any communication. Stillman in fact was overpaid and collected monies from my Michigan state income tax and my wages.
I was a victim of identity theft and noticed a collection from AFNI I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commission which I wrote a formal complaint against AFNI in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
XX/XX/XXXXEquifax and XX/XX/XXXX did not remove all inquiries that was not affiliated with my open accounts I provided police report that clearly states that I was an victim of identity theft
I applied for a housing loan and they reported to me that i have a collection letter that i have not paid and causing problem with my application. The lender gave me the number of the XXXX XXXX XXXX XXXX and i called them. They person i was talking to could not give me the details of the debt that i supposedly owe them. I looked into XXXX credit score check and found that on XX/XX/2017 I owed {$290.00} and that XXXX XXXX is the collection agency. I called up XXXX and talked to many departments and said that i do not have any bank accounts with XXXX. So how is it possible that I would owe an amount of {$290.00} from XXXX if i didnt have any accounts in the first place? I disputed it with midland funding but was not sure if they are going to take action on it and its affecting my credit score every single day.
I was a student XXXX. I am waiting for my XXXX degree. I am currently working XXXX - I do n't have a full time job and have been trying to make my payments on the private loan to Sallie Mae - I can not afford {$1100.00} per month. My parents also can not afford this amount. I am supposed to be paying rent to my parents, which they have waived and they also have been helping as much as they can since they are cosignors. I have asked several times to make payments based on my income and have been told No by Sallie Mae. Until I can get a full time job, I can not afford the payments they are asking for. I will end up having to go out of my XXXX field if I can not get a full time job and I do not want to do that. I just need help until I can get on my feet. My debt is over {$100000.00}.
Portfolio Recovery Associates  has placed a derogatory mark on my Credit Report without mailing me any information about this alleged debt. I have made numerous attempts to contact them to resolve this, Including several phone calls to several of their offices as well as over  10 letters sent via USPS.      When I call in and try to get more information regarding this account, I am transferred to numerous different people in different positions of the company, Including  2 dif ferent " Operations Managers ''. I have even tried to reach out to th eir Compliance officer via  mail to no avail.     After making no progress with phone calls, and no replies to any of my letters, I am forced to get the BBB and the CFPB involved.
I pre viously had a American Express p referred cash credit card. Before I made a decision to cancelled my credit card, I called AE customer services several times regarding the reward dollars and the positive account balance. I got positive answers about I could get my reward dollars back and the account balance back. Then, Icancelled my card. Later, I did get my account balance back through check. However, I did not get my reward dollar at all.     I contacted customer service for several times again. This time, I got very different answers. They said that for reward dollars lower than {$25.00}, I could not redeem them at all. As my account has {$19.00}, there is no other way for me to redeem it.     I do n't feel very comfortable by this answer. First, this is not what I was told before. Secondly, it simply saying that I am going to lose my reward dollars which should also belongs to me as well.     I would appreciate a solution for it.
I call XXXX XXXX to inform then that i have been a victim of their inquiry issue, and ask XXXX XXXX to deleted the following inquiry. on XX/XX/XXXX at XXXX. I told they do not dispute inquiry. 
XXXX Name of Company Date of Inquiry Type of Business XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX  Show Details XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Show Details XX/XX/XXXX Banking XXXX  Show Details XX/XX/XXXX Finance XXXX CARD   Show Details XX/XX/XXXX Banking XXXX  Show Details XX/XX/XXXX Real Estate And Public Accommodation CREDIT INFO  Show Details XX/XX/XXXX Miscellaneous And Public Record XXXX XXXX  Show Details XX/XX/XXXX Banking XXXX XXXX   Show Details XX/XX/XXXX Finance XXXX XXXX Show Details XX/XX/XXXX Miscellaneous And Public Record XXXX XXXX   Show Details XX/XX/XXXX Miscellaneous And Public Record XXXX Show Details XX/XX/XXXX Oil And National Credit Cards   XXXX XXXX Show Details XX/XX/XXXX Finance XXXX XXXXXXXX Show Details XX/XX/XXXX Banking XXXX XXXX  Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX   Show Details XX/XX/XXXX Finance XXXX  Show Details XX/XX/XXXX Utilities And Fuel XXXX XXXX Show Details XX/XX/XXXX Home Furnishing XXXX Show Details XX/XX/XXXX Oil And National Credit Cards XXXX Show Details XX/XX/XXXX Banking XXXX XXXX Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXX Finance XXXX XXXX  Show Details XX/XX/XXXX Banking XXXX XXXX Show Details XX/XX/XXXX BankinXXXX XXXX Show Details XX/XX/XXXX Oil And National Credit Cards
From XX/XX/XXXX-XX/XX/XXXX, my wallet and phone were stolen from my possession. They perpetrator who spent money on my account nearly 800 dollars and they found me responsible for it because the police department failed to give me a copy of the police report I made XX/XX/XXXX/XX/XX/XXXX and also said another reason was they seen a transaction before on my account which was named XXXX but anyways there where I found the suspect who stole my wallet and phone. There is so much stuff you can use or buy that will come up as a XXXX transaction that they shouldn't pin that on me. The third reason they said I would have to pay them back is because they called the phone to verify the transaction that took place but keep in mind that XXXX don't need to be unlocked to be answered and they also didn't asked for verification of my identity at all. I was already on my way up to XXXX for vacation with my friends and I didn't try to call from a different phone because I thought nothing of the suspect being XXXX enough to use my card and I didn't want to call from another phone to make it seem like I'm the suspect. so I went ahead and tracked the XXXX that got stolen from me and I seen they went all the way from where I live to XXXX, FL so I cancelled my trip to make my way out to getting my stuff back. so when I figured out how much they have spent on my account I called discover from the broken phone I retrieved after hunting this person down and explained only parts of the story about the fraud done so they can hurry and get this fraud off my card and stop my card from working anymore to the DISCOVER Card REPRESENTATIVE, she said everything would be fine and that we hold our customers 0 % responsible for fraud charges which is also on their website. so I'm waiting for a month then I see the charges placed back on my account because the decision is still going so every billing cycle I got ta pay a minimum amount of money I never used from them in the first place. Then when it reached end of XXXX I finally received a call from a case manager saying unfortunately we can't honor the fraud done because the police station failed to give me a copy of a police report and that they seen a XXXX charge before so I told the guy the full story and he said we will have it under review again for me then two more months past and I get a call from them saying " we still can't honor the 100 % fraud protection '' that they promote. So, I asked can I just fax you guys a witness letter saying what went on during the time and he said that I can try but basically said it won't work. So DISCOVER has me stuck paying them money I don't have nor spent in the first place
We requested and Bank of America sent us a check on XXXX/XXXX/2016 for {$4000.00} which we deposited in our checking account in another bank. Approximately a week later a BOA representative called to tell us that this check had printing errors, it will not be paid and that a new check will be issued and sent. We finally received a replacement check today XXXX/XXXX/2016. In the mean time our checking account was overdrawn and we are accruing fees for overdrafts and returned checks not paid due to insufficient funds. In multiple follow up calls, while BOA representative XXXX XXXX finally acknowledged the situation and stated that we will be reimbursed for any fees we were charged as a result of this situation, the resolution of this issue is with their legal department and refused to provide a document that the negative consequences were the result of BOA 's error. To make us whole we need to have a document that explains what happened so that we could forward it to credit bureaus and to others to whom we made payments that were refused due to unavailability of funds we relied on. Their requests of fees for returned checks will also need to be honored and paid.
I TOOK OUT A LOAN WITH SPOT LOAN IN  XXXX  OF  XXXX  AND THEY WAS DEBIT MY BANK ACCOUT  XXXX  EVERY  TWO  WEEKS WHICH WAS EVERY PAY DAY AND HAD A INTREST RATE OF 625 % WHICH I DID N'T NO I NEVER SPOKE TO NO ONE THEY NEVER CALL I EMAIL BUT NO RESPOND I GOT A FRAUD ALERT FROM THE BANK AND WAS ASK TO CLOSE MY ACCOUNT BECAUSE OF DIFFERENT L OAN IDS FROM THIS COMPANY.
PennyMac services my loan and recently on the statement they have removed the PMI line item in the " transactions from last statement ''. I still pay for PMI and my full payment amount is the same. I just feel that they have changed the statement to hide the PMI charges. Why else would they remove the line item for " Mortgage Insurance Disbursement ''? I believe this to be unethical and misleading to customers. Thank you!
We had XXXX XXXX. Due to service issues and consistently inaccurate bills with charges that were not as agreed, we cancelled service. We returned all equipment. In early 2017 we were contacted by a collection agency stating we owed {$140.00} to XXXX XXXX. We disputed this debt as we had not only returned our equipment but we had prepaid for services that were cancelled and not refunded, yet they proceeded to file a collection activity on my credit report. 

We were unable to remedy the situation with XXXX or the collection agency and filed a report with the CFPB in XX/XX/ 2017. The collection agency was unable to verify the debt with XXXX and deleted the error from my credit report. 
Last month I received a call from a new collection agency Southwest credit systems that a debt of {$140.00} from XXXX had been placed with them. I explained this matter was already resolved and XXXX could not produce documentation that it was a valid debt. I told them I was disputing the validity of the debt and of the sequence of events listed above. I asked them to send documentation it was a valid debt. I never heard from them again. Today, I was alerted that they placed a collection on my credit report for {$140.00} due to XXXX. 

Obviously, this debt is not valid and has already been proven as invalid and deleted from my report once. This was explained to south west credit systems yet they proceeded and are damaging my credit. I want the item deleted from my report immediately.
The company say I owe {$650.00} and I dont have received threathen phone calls and mail to pay something I dont owe.
I would like to file a complaint against American Express Credit Card. I used them to make a purchase with floorstoyourhome.com, in the amount of {$1800.00}. 
American Express does n't stand behind their customers. We installed the flooring, but it buckles up. The retailer sent out his inspector who said the reason, because the subfloor is not even. When their inspector was here he never removed the floor to check out the subfloor. Did n't remove any moldings and came back with a false report. I hired XXXX independent contractors to do inspection. Both said the problem is not the subfloor. It is the merchandise, because the locking mechanism is defected. Finally I could talk to a customer service representative at XXXX XXXX ( the manufacturer of the wood floor ) who said the reason we are having a problem, because the underlayment what the retailer sold us is not compatible with the floor. XXXX XXXX even e-mailed me out the installation requirements, what they provide to all retailers. I forwarded that document along with the purchase receipt to Amex, which shows that floorstoyourhome.com sold me the wrong underlayment. I sent all the documents to American Express and they denied the dispute. They told us they are not even going to look at the proofs, pictures and documentations from our side. They are only talking to the retailer. The retailer only provided his inspector 's report and American Express accepted it as is. They did n't honor the other XXXX professionals inspection reports, the pictures and the manufacturer 's letter with the installation requirement. This is not fair that I have to pay for defected merchandise with the wrong underlayment. Also this cost me more since the floor had to be installed, I had to pay for the inspectors, we need to pick up the floor and underlayment and reinstall everything with the right underlayment. I did n't even counted the precious time I had to spend to arrange everything, communicate with Amex, all the letters, pictures, phone calls. 
Please look into this very serious and delicate matter!
I sent out letter and credit report from other bureaus of the deleted information that they are reporting on my ( XXXX ) I sent in the deleted documents that they keep coming back wrong for XXXX for bankruptcy still XXXX not giving me any documents to where they claim the info come back verified 60 days later nothing change the accounts are Defamation of of my Character and not helping with Credibility I will like the to delete this
I had two car loans from a XX/XX/XXXX included in a Chapter XXXX Bankruptcy and XX/XX/XXXX included Chapter XXXX bankruptcy they both were removed from my credit report on or before XX/XX/XXXX by all there credit Bureau XXXX, XXXX  and 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, to previous auto loans that were previously removed that and included in the bankrupts beyond seven and ten years. I have sent disputes multiple times to XXXX, XXXX and XXXX regarding XXXX. This time around, I received an email from XXXX  stating their investigation will need more time, I assume because I attached each of the credit reports I've received from each Bureau 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 received updated reports with the removals. XXXX  deleted XXXX XXXX car loan along with my Chapter XXXX Bankruptcy and Chapter XXXX bankruptcies on or before XX/XX/XXXX. They have had many months of investigation, all the while my credit score continues to suffer from their non compliance of the fair credit reporting act.
XXXX XXXX XXXX, XXXX # XXXX, from Clay Chapman Iwamura Pulice & Nervell is demanding payment of a debt and threatening to foreclose on a property that our singular marital entity ( " legal identity '' ), XXXX XXXX XXXX and XXXX XXXX XXXX, Wife and Husband, at Common Law, XXXX XXXX XXXX XXXX, as Fee Owner, holds paper title too. 
Another disturbing issue is that XXXX XXXX XXXX, XXXX # XXXX, from Clay Chapman Iwamura Pulice & Nervell, is conveying that XXXX XXXX XXXX and XXXX XXXX XXXX, Wife and Husband, at Common Law, XXXX XXXX XXXX XXXX, as Fee Owner, signed a promissory Note and/or Mortgage with XXXX XXXX XXXX, XXXX. ( " Lender '' ), on or about XXXX XXXX, 2006. Please Open Attachment.
My sister was diagnose with XXXX XXXX XXXX in XX/XX/2013. My signed over power of attorney to me. I contacted Citi Financial Mortgage company and requested a loan modification. They strung me along to 10 months or so. At the end of the process they claimed I fail send a document. I sent proof that the document was sent as requested. By stringing me along they were able to steal almost all of my equity in late fee etc.

We estimate that we lost over $ 40k in being manipulated by Citi Financial. We used our funds and credit to tie up my sister affairs thinking we were going get our equity. Now the same creditor is threatening filing a suit against me. They are the very reason I was not able to pay the credit card off because they manipulated me out of fund in the equity process. This is company is responsible for ruining millions credit rating by extending a certain line of credit only to reduce it later for credit score trapping.
RMS XXXX XXXX, Oh XXXX has been sending me over XXXX bills for services done and paid for by my son at his home at on XX/XX/XXXX Work was preformed by XXXX order number XXXX It was paid for on the same date on his XXXX card ending in account number XXXX ; Paid in FULL for the amount of {$89.00}. 

On XX/XX/XXXX they acknowledged in writing via email the debt was paid and stated case would be closed. See Below Date : XX/XX/XXXX at XXXX PM MST To : " XXXX XXXX Subject : RE : claim No : XXXX Ref No : XXXX Dear XXXX This is to acknowledge the receipt of your email. Please be advised that we have closed the account in our office today, XX/XX/XXXX, and you will no longer receive any collection activities from us towards the account. We would also like to inform you that we do not report these claims to the Credit Bureaus. 

We regret the inconvenience this may have caused you. Please let us know if you have any questions. 

Thank you. 

XXXX RMS XXXX XXXX XXXX On XXXX they sent me another collection notice for the debt again. I consider this Harassment and they need to stop trying to collect a debt That was for my son but also paid in full. 



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