WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, I attempted to deposit a check ( for {$500.00} ) at my bank 's ATM. The ATM would not allow me to deposit it so I left without completing a transaction. A few minutes later I received a text saying that {$100.00} had been withdrawn from my checking account. I called the bank within 2 hours of receiving the text to let them know that I did not make that withdrawal. The bank employee assured me that they would review the video of the ATM and as long as I was n't the person who took out the money, they would refund the money to me. On XXXX XXXX, they sent me a letter saying that no dispensing error occurred and they were discontinuing the investigation ( without refunding my money ). They also sent me the ATM audit, which shows that the money was withdrawn at XXXX, and someone immediately after me used a different bank card at the same time ( XXXX ) without completing a transaction. Based on this information, to me it looks like it is possible that someone ( either accidentally or on purpose ) took the money out of my account instead of their own account. I called the bank on XX/XX/XXXX to see if they were going to review the video of the ATM. They indicated that they would not review the ATM video and refused to give me a reason as to why they would n't investigate this issue.
XXXX we requested a loan modification from Well Fargo and finalize the process XX/XX/XXXX. No need to cover all the details as they are covered in other filings with CFPB. 

When we requested the loan modification our mortgage payment was {$1200.00} with a income of {$3100.00} and a mortgage of {$120.00}, and a 20 year payoff, after the loan modification our mortgage payment was {$1100.00} with a monthly income of {$3100.00} and a 40 year payoff, something does not add up.
I have had a Pay Pal Line Of Credit account for a number of years, and my account has always been in good standing. I received a notice in the mail that my account is being transferred, and my interest rate is also increasing. My account is currently with XXXX XXXX, and it is being transferred to XXXX XXXX effective XX/XX/XXXX. The notice gave no explanation for the change. It just gives the new terms and conditions, but no reason given as to why my account is being transferred. Yesterday I talked with a rep from Pay Pal Credit, and this is what he told me. Pay Pal is changing banks to make it more fair for everyone by using the Global Market Interest Rate. I said I had my account for a number of years, and in good standing, and you are increasing my interest rate. This is not fair. He said sorry you feel this way about us wanting to make it fair for everyone. What's fair about increasing my interest rate. It's not fair. My current rate is 19.9 % and it is increasing to 25.49 %. 
I recently paid off 3 of my accounts that were associated with XXXX XXXX  totaling over 9 grand, and I still have 2 accounts to go, but now I am going to have 3. As a matter of fact I filed a complaint with the XXXX against XXXX XXXX in XXXX. After paying off my XXXX account and closing it someone took an unauthorized payment of almost {$200.00} from my checking account. Because of the lame excuse I got from the bank made me believe that someone tried to steal from me, and I reported it. I know I can pay off my balance of {$1500.00} to avoid the higher interest, but I am unable to after paying off the 3 accounts that I just paid off. XXXX XXXX 's interest rates are very high, and when you pay off and close an account they get kind of angry, and act like you can't close your account. 
What makes me so angry not so much as transferring my account ( in this case it does because of the bank it is being transferred to ), but because of my interest rate going up. I just feel this is so unfair for those of us who's accounts are in good standing.
I XXXX XXXX XXXX was given a Hardship deferment in XX/XX/XXXX due to having a small series of XXXX and was considered XXXX XXXX by three doctors. After the information was sent to the XXXX. XXXX  XXXX and also XXXX - both infromed me that I would not have any problems due to health related issues that were not in my control. I was given one complete FULL YEAR of hardship deferment and i was sent notice that my payment would not start back up till XX/XX/XXXX. Now on my credit report it has the following after I have written several notices to XXXX and XXXX. XXXX   XXXX in Washington, DC. 

XX/XX/XXXX LATE XX/XX/XXXX LATE XX/XX/XXXX LATE XX/XX/XXXX LATE XX/XX/XXXX LATE XX/XX/XXXX LATE XX/XX/XXXX LATE XX/XX/XXXX LATE XX/XX/XXXX LATE XX/XX/XXXX LATE
About 4 yrs ago i was a victim of identity theft my credit was being pulled and account were made that was not me their also alot of inquiry that i did n't authorize from XX/XX/XXXX till XX/XX/XXXXlike car loans credit cards and other agencies
On XXXX XXXX, 2016, I was informed by my father I received a letter at his home from the referenced collection agency. Upon calling on the same date, I spoke with a XXXX XXXX who stated my account was in a " Pre-legal state. '' I immediately asked to speak with a Supervisor and was connected with a " XXXX '' who said that they state that on all of their calls for this credit card because the creditor makes a decision if they will close the account and have their in-house attorney sue on them. 
This is a clear violation of Section 807 " False or Misleading information '' of the FDCPA, because the referenced statement implies the collection agency could sue me when it is up for the company, and even by " XXXX '' own admission the collection agency does not sue people. 
Additionally, legal action would not be immediately taken, as the attorney is required to send a letter of demand/validation notice before filing a petition with any court. 
I also feel the name Northstar Location Service is deceptive as it implies they are a location company, not a debt collection agency. 
Additionally, I have never received a validation notice regarding this account, as I stated I had moved and was never asked for an address on where to send the validation notice.
Citi Identity Monitor service was being discontinued on XXXX XXXX 2015 and that once the program was terminated, I was been charged a fee for a years.! and didnt aproved or sign on any agreemment.! Citibank charged my credit cards for long time and NOBODY want to be responsible for this bad ilegal practices..!. In addition, I didnt see Citi Identity Monitor working on my credit cards & gt ;?? please I need any professional help to address this issue with them..! I called 4 times and they dont care about that.! Thanks in advance.
I had id theft in XX/XX/XXXX and XX/XX/XXXX involving XXXX and XXXX. Once I received bills in XX/XX/XXXX or so, I called companies sent letters notified experian credit who are useless and less than useless. Toliet paper has more value. 

XXXX removed the item promptly. XXXX however did not. I sent police reports, letters etc. then XXXX sold the account to someone called XXXX XXXX XXXX, who sold it again to XXXX, XXXX, XXXX, XXXX and XXXX, lawyers. 

I filed a complaint with the XXXX of Minnesota. XXXX XXXX sent me a letter dated XXXX/XXXX/XXXX stating ceasing collections and will request removal this item from all credit bureaus. So I disputed items with experian and sent them copy letter. 

Today I was on phone with experian over an hour. I asked for a description of the investigative process used to determine if valid debt. I was told, by the fraud dept!!! That they contact the creditor who if states yes, is yours, it stays on your credit report!!!!! That is not what the Fair Credit Reporting Act says.
We initiated a short sale file with OCWEN on XXXX/XXXX/15. We submitted a contract to them on XXXX/XXXX/15 requesting the file be reviewed for HAFA, the lender has been reviewing for HAFA since XXXX. We received a counter from them last week stating the value is {$180000.00}, which our offer was at and they said the closing costs needed to be lowered to {$5000.00}. We made this change and submitted the HUD in with the changes. Then today we get a call stating the investor is not approving the offer, even though we are at full appraised value, because we are netting $ XXXX and he wants to net $ XXXX. I responded and stated we would net over that if it was n't for the XXXX lien payout of $ XXXX and the $ XXXX relocation incentive to the seller. Ocwen told us our only option then is to do a traditional short sale. This just seem right if the file qualifies for HAFA and is giving a full appraised value offer but is not meeting a certain net number the bank can make the seller do a non HAFA short sale and receive no relocation incentive. Please help.
I graduated college back in XXXX. Back then, my school loan was with NY Department of Education and afterwards Sallie Mae. I was told numerous times that my starting salary in my field would be around $ 50k. With some smart saving I thought I would be able to still pay off my loan while my wife and I lived in a small 1 bedroom apartment. When I was finally offered a permanent job, it was at $ XXXX/hr in my field. A far cry from the $ XXXX that my college said I would start at. I called Sallie Mae and was never offered the income based payback method. Everything was with them was always deferment. This went on for years even after Navient took over. I went from under a $ 30k student loan to $ XXXX student loan because of all the deferments and the high interest rate of 8.125 %. The difference is all capitalized interest and whatever other fees they tacked on through the years. Navient wouldn't let me refinance at a lower rate because they said I was ineligible. They knew what they were doing and never told me I could of paid based on my tiny take home paycheck starting back in XXXX! Fast forward to XXXX. Im finally making a little money hoping to start making payments to bring this ridiculous monster debt that I shouldnt have down. Now all of a sudden they want to do income driven repayment. I told them I cant do more than $ 150/month. Everything they calculated was through my tax returns. Nobody from Navient would work with me regarding what I could actually afford to pay. Jump to XXXX and now Navient wants $ XXXX/month which I definitely cant do. The company seems to forget that I dont get to keep what the IRS reports and that Navient is not my only bill. I have to pay for my vehicles to get me to work to earn my paycheck. Pay for gas to get me back and forth to work as well as insurance. Pay for the roof over my head because in my job, I need to be awake and very alert. Pay for the various personal insurances. Monthly utility bills because heat would be nice in the cold months and a little a/c in the summer since where I live it gets very hot. The credit cards because thats the only way we can afford to buy our food and those are maxed out. My wife packs everything up for me and I dont order out because we cant afford it. Then there are other bills as well. You get my drift. I have told Navient time and time again, even paying $ XXXX/month is pushing it but I can do that on time every month unlike the {$720.00} payment. I want to pay it off, but I simply cant afford that much even though my tax returns look like I can. By the time everything is paid, Im lucky if we have {$5.00} left in the bank. So maybe Navient will step up and work with me since I had no choice but to come on here and complain.
I have paid a {$50.00} annual fee for my US Bank XXXX XXXX Platinum Visa Card and the cardmember benefit statement stated as one of the benefits " bonus award night exclusively for card members ''. I have now learned that this benefit is being removed from XXXX XXXX, 2015 without any fee refund or grace period to use the benefit until the anniversary of the fee having been paid.
My account was in deferment ( I have a letter from them stating this ), however they have me showing 30, 60 & 90 days late. I have called them and they say it is accurate and will not fix it. This is not accurate and needs to be fixed immediately.
I have been making over payments on my loan and realize that Navient has been continuously increasing the interest rate. When I started repaying my loan the interested rate was 9.75 % and remain at that rate for a entire year. When I started to make over payments the rate increased to 10 %. I called their customer service and was told that I have a private loan and the company has no control over the interest rate, so they are unable to help me. The rate have been steadily increasing as follows : XX/XX/XXXX - 10.25 % XX/XX/XXXX - 10.5 % XX/XX/XXXX - 10.75 % XX/XX/XXXX - 11 % XX/XX/XXXX - 11.25 %
On XXXX XXXX, 2014, I went into a Wells Fargo Branch in XXXX XXXX to open a new Business Checking Account ( I have been a customer of Wells Fargo for almost 30 years ). I had opened another business account with Wells earlier that year ( even though I never applied for a credit card with that account -- they sent me one -- claiming I had applied ). As a result of that previous issue, when I went into the branch on XXXX XXXX, 2014, I specifically advised the banker, that I did not want any credit cards, and only wanted a Business Checking account -- and nothing more. I spent close to an hour discussing the account with the Banker ( his name was XXXX XXXX -- his family were attorneys in XXXX XXXX, with his grandfather having been a XXXX -the Federal Building bears his name ). XXXX XXXX fully understood I did n't want any credit cards. 
Two or three weeks after opening the account, I received a notice from Wells Fargo that my business had been approved for a {$15000.00} credit card. I immediately went into the Wells Branch and met with XXXX XXXX -- he advised me he had learned of the credit card and had reason to believe that an employee within his branch had forged my signature -- as he did not submit a credit card application. He further advised me that upon learning of the credit card he told the branch manager that I did not apply for a credit card nor did I sign any authorization for a credit card. XXXX XXXX suggested that I should request all documents from the Bank regarding my business account -- which I did ; the documents I received -- contained XXXX signatures -- only XXXX of those signatures is mine. The other signature is a forgery. 
I have brought this to the attention of Wells Fargo ; they have told me they would investigate -- I sent a follow-up email to the person supposedly handling the matter at Wells Fargo -- yesterday she responded that she would ignore all of my emails and not provide me with any response -- it was as though this person was covering up for the person that forged my signature.
Called and disputed online on multiple occasions about fraudulent inquiries and an account from XXXX  XXXX that is not mine and that i did not authorize.
The week of XX/XX/XXXX I purchased a TV from XXXX, A recently dissolved business. Immediately after purchase in XX/XX/XXXX, I contacted Synchrony Bank and XXXX XXXX, but mostly Synchrony bank re an extension of a promotion to extend payment period of NO interest charged from 6 months to 12 months. There is a recording on file and a date and a customer service agent attached to this extension. Synchrony bank refuses to honor this agreement and have sent to Synchrony management allthe documents given to me by the Insolvency agents that state that Synchrony is resposible for this issue. They also state that the store, XXXX XXXX, owes me a store credit. 
I 'm tired of asking Synchrony to fix this issue.They may tell me how much acrued charges are to attach to the estate XXXX. but they refuse to ackowledge anything. They keep asking me to contact a business that has been dissolved and the issue at hand, is the extension issued by during the recorded call they refuse to investigate. The date of this call is the date Synchrony began to collect {$110.00} dollars a month instead of the minimum. All of this done with calculation to conclude succesful payment with no interest before the due date XX/XX/XXXX. Please help me because if there were a court to take this bank to and subpoena the recordings of customer service, I would do it. Ihave submitted all emails relating to the discussion with a lawyer from XXXX XXXX estate insolvency group to Synchrony Bank. Please ask the Bank for this as this makes my argument real clear. I have in my records of e mails this also.However I am unable to upload it here.
I am a XXXX XXXX XXXX Veteran and XXXX XXXX. I completed XXXX year and XXXX months of XXXX XXXX. I completed approximately XXXX years and XXXX months in the active reserves and XXXX XXXX. To reduce personnel, the XXXX XXXX offers a voluntary program called XXXX XXXX. What this program does is allow a veteran to voluntarily separate from XXXX XXXX into the XXXX XXXX XXXX XXXX. The XXXX must then double the amount of time owed on XXXX XXXX ( in this case XXXX years and XXXX months ) and complete this term in the active XXXX XXXX XXXX. I accomplished this. Had I known that separating from the XXXX XXXX XXXX XXXX XXXX prior to XXXX years of completing XXXX XXXX, I would have stayed and at least met this minimum requirement. 

I have purchased and/or refinanced homes XXXX times each time receiving a Certificate of Eligibility ( COE ) from the VA. Now, I am applying for a VA loan with Freedom Mortgage. Almost all areas of the process have been completed to approve the loan ; however, the VA will not issue a COE thus preventing Freedom Mortgage from completing the loan. I served my country, I am a Veteran, and I served honorably. I should be allowed to receive a COE since I have been given XXXX before as a veteran. I think this sets a precedent. The VA denied sending the form to Freedom Mortgage. The VA informed me that since I did not serve XXXX years XXXX XXXX, I am not eligible for the COE to use the VA loan benefit I was promised back in XX/XX/XXXX when I separated service to join the active XXXX XXXX XXXX voluntarily and with the Air Forces ' blessing. I XXXX from the XXXX XXXX in XX/XX/XXXX or so.
I had no idea what this even was, Transunion that is. The last two months Ive been charged {$19.00} on the XXXX of the month and I have never signed up for whatever this is. It needs cancelled immediately, I do not use or need whatever service this is and I want a refund of the expenses taken out back into my account.
Helvey and Associates are a collection agency claiming to have had a XXXX XXXX account referred to them for collections. They claim the date the account with XXXX XXXX first became dilinquint XX/XX/2015, and reported XX/XX/2015. The last XXXX XXXX account held in my name ended XX/XX/2015, and had been closed by myself, in good standing, knowing of my planned moving from that residence. When this account was first noticed on my credit report file, I began disputing the account, calling all 3 credit reporting agencies multiple times, and told to contact the original creditor, which I did. XXXX XXXX confirmed what was already known ; that my account was closed, in good standing, and the date it had been closed. When I informed them of the problem I had, and the inaccurate reporting, they had told me they could do nothing as they were not the ones reporting the information, they could not control what had reported, or continued to do so. I was told to dispute the account and XXXX XXXX could then report the account was in good standing and had never been sent to collections. Over the course of the last 2.5 years I have repeatedly disputed this account, and although I have never received a billing statement from XXXX XXXX or Helvey and Associates, or any proof of debt validation, the account continues to report as a very derogatory open collection account, and has very unfairly contributed to my inability to obtain loans, a mortgage, or credit in my own name. I do not know what else to do regarding this account and ask for help from the CFPB. I have recently submitted written request for method of verification of this account and have received nothing, as well as no response whatsoever from XXXX. The letters were sent by certified mail with signature request, and can be shown the dates and times they had arrived to the credit bureaus. It has been 15 days since receipt of these requests, and by law the account was to be deleted from my credit report file as a result, but still has not. I can not obtain a business loan or a mortgage until this or another inaccurate account has been deleted due to multiple inaccuracies, among other reasons. Hopefully with intervention from the CFPB, action will now be taken by the credit reporting agencies.
I have a mortgage with Fifth Third Bank and I continually have issues with the processing and application of my payments. I have also recently discovered that Fifth Third Bank has misappropriated my property taxes which has created a delinquent balance and has been charging unwarranted fees. Also Fifth Third Bank has been misinforming credit reporting agencies which has damaged my credit score.
It is our belief that Bayview Loan Serving, LLC has been violating The Federal RESPA Act multiple times regarding our account. A ) Refusing to provide mortgage Statements even after Chapter XXXX discharge five months ago. B ) Failure to respond to written requests for statements and information. C ) Sent one delinquent letter in error and apologizing once over the phone and not sending a letter of apology. D ) Refusing now, not to speak with us via telephone ; telling us they will only communicate with an attorney. 
All payments were made at the end of each month for payments due on the XXXX and all were sent certified and signed prior to due date. Our most recent payment for XXXX XXXX was sent and received but they have not been deposited in our account.
XXXX based assistant Vice President for BOA XXXX XXXX who initially deceived me into believing she had my best interest at heart and almost within seconds tried to seize control of my banking, his intensified here apparent retaliatory effort that no they are so in non-compliance with CPF. As result of a credit not being issued for a claim again XXXX XXXX on XX/XX/XXXX they are now not only over drawing my account they are attempting to charge me fees. Again, had the credited the claim as required, there would be sufficient money to pay my debts and them some However, in as a BOA SVP has a state in profit sharing it is no surprise they are joining together retaliate by now taking my money And the CFPB stands by and does thing my XXXX XXXX continue to oversee BOES incredible non-compliance Thanks XXXX
XXXX, received a call from Amcol Systems ( caller ID ) asking for my wife to discuss a business manner. I said she was at work and I was her husband. She started to fish for info ( after identifying herself as a collection agency rep ). I said wife was at work and XXXX gave me a number to call ( XXXX ). 

After speaking with my wife, I called the number back and asked for XXXX. She said call was being recorded. 

When asked for written verification of the debt, Amcol Systems rep. XXXX said their protocol did not provide for written verification of debt. I reminded XXXX that this was part of the Fair Debt Collection Practices Act. Instead, she gave me a list of amounts ranging from {$10.00} - {$200.00} and dates filed by XXXX XXXX. No other info was available except for XXXX phone number to call. 

She could not identify what the debts were for, just date and amount. WE were to call XXXX XXXX if we needed any more info. 

Thank You, XXXX