WillisBack/dataset-financial-user-claim huggingface dataset:
I am a Bank of America customer and was planning to travel to the XXXX XXXX on a cruise. I notified Bank of American on XXXX XXXX of my plans and gave the stops. I received an email from Bank of Ameirca confirming that my travel notice was set fro my debit card. On XXXX XXXX, I attempted to make a purchase Touch XXXX in XXXX XXXX using my Bank of America debit card. It was rejected. I called the Bank from XXXX and spent XXXX minutes on the phone ( most of the time waitting ). I was finally transferred to the fraud department which confirmed that I did have a travel notice on my card. The representative attempted to approve the transaction and was unable. She transferred me to another representative who finally was able to put the transaction through. No one could explain why I encountered this problem. When I returned to the crusie ship I had a voicemail from the Bank on my cell phone thanking me for informing them of my travel. I complained to both the Fraud Department and customer service about the problem encountered using my depit card. 

I complained about the service and received an email on XXXX XXXX from XXXX XXXX of the Bank 's Enterprise Customer Care Resolution asking me to call. I ahave subsequently left three messages with no return call. I am seeking a explanation and an apology from the Bank
In their response to complaint XXXX, Springleaf Financial made several statements which I proved to be false with documentation from XXXX Mortgage. 
I signed statements with every complaint that all information I am giving is true, and I believe that it is a criminal offense to knowingly give false information. 
Springleaf gave false information regarding to speaking with XXXX XXXX about the status of my loan with XXXX XXXX XXXX stated in writing, which I submitted to the CFPB, that they had NO communication with Springleaf. ). Springleaf had to know this information was false when they responded. 
There are other instances ( how payoff was obtained ; faxed to MY attaention at Springleaf 's fax number, etc ) which also call many legalities into question, but the first instance is already documented.
it took me 10years to fix my credit when up to XXXX I pay lots of money to fix my cccccccc credit some reason in 2 months my credit when down to XXXX with XXXX credit bureau I need consumer financial help me to get my credit up to XXXX so I can get home loan
TCF BANK I have sent extra payments in  XXXX  totaling {$1600.00} but is not reflecting on the mortgage statement.      XXXX / XXXX /  XXXX   {$550.00}  XXXX / XXXX /  XXXX   {$550.00}  XXXX / XXXX /  XXXX   {$550.00} Why is the new statement {$620.00}? Where were the extra funds applied?
This company put a levy on my bank account. XXXX XXXX XXXX XXXX, I contacted them and was told to pay {$1000.00} down because I do not have the entire amount of {$2.00}, XXXX. I called almost everyday trying to get someone to set up reasonable payment arrangements with me with no success. My Uncle agreed to loan me the {$1000.00} down and he paid the {$1000.00} via phone today XX/XX/19 and I set up payment arrangements to pay {$300.00} per month to pay off the balance {$1400.00}. Then about 2-3 hrs later XXXX called me back to say were canceling your payment arrangements and moving forward with garnishing your pay check instead, after they took the {$1000.00} down payment. I tried again speaking with someone, I spoke with XXXX ( XXXX ) XXXX who I could tell by the tone of her voice was going to be of no help. She told me that I had told them that I could never or not pay {$1000.00} down and I told her yes but I have borrowed the money and it was paid. I told her the arrangements that I was told and she disagreed with me, which I know what each person told me to do because I would have never had my uncle help me and he also verified it with them over the phone before making the payment. XXXX declined to listen to all of the taped calls including the one with my Uncle. She even stated Im not going to argue with you about it and hung up on me.
I have submitted a dispute with TransUnion for reporting a Public Record Bankruptcy on my credit report and have nothing has been done to rectify the disputed information, nor provide verification of proof. On XX/XX/XXXX, I spoke with a representative XXXX that stated that my previous letters were noted however, no action was taken except to send me an updated copy of my report showing the exact same thing that was on there before. 
I sent certified dispute letters to TransUnion dated XX/XX/XXXX and XX/XX/XXXX and nothing was done. On XXXX, I had to start an entirely new dispute all over again. And per XXXX as of XX/XX/XXXX they had, had no verification that the public information being disputed by me was indeed correct. I had till XXXX, to receive a response from their investigation and pending the result will delete the derogatory information from my report. However, When I called to inquire how long before they removed the derogatory information, public record and the 2 derogatory information being reported they claimed that it will not be deleted and I can submit another dispute again. I 've submitted disputes XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and each time I 'm told to submit new dispute all over again and wait 30 days. I think I have waited more than enough 30 days, and would like this issue rectified immediately.
I received a letter on the XXXX of XXXX stating that I owed {$2000.00} to XXXX @ XXXX I do not know these people and do not owe anything.The collection agency is " NCC BUSINESS SERVICE INC.Located at XXXX XXXX XXXX. XXXX XXXX, XXXX, fl.XXXX Phone number XXXX.
I paid {$450.00} on  XXXX   XXXX ,   XXXX   for a home appraisal throug h Royal  Mortg age   XXXX   XXXX   XXXX   Loan Advisor  NMLS #  XXXX   XXXX  XXXX  XXXX   Office  : (  XXXX  )  XXXX  | Fax : (  XXXX  )  XXXX  Royal United Mortgage LLC. NMLS #  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , IN  XXXX  ) that was to be conducted on  XXXX   XXXX ,   XXXX   by VALUTRUST APPRAISALS  XXXX   XXXX , KS  XXXX  it was stated in the  inspection report that an attic was not present in the home, that is not true as there is a stairway to the attic, but was never asked if there was one and the appraiser took a picture in the room that the pull down stairway is present. I have had several other mortgages without any issues the appraiser was at the home for less than 10 minutes when I was   present.
My son went to the XXXX when he was XXXX and out of XXXX. He was covered under my insurance plan so he gave the hospital my insurance information. There is a balance due of around {$1000.00}. A collection agency keeps calling me saying the debt is mine. I have repeatedly explained to them that he was XXXX and not a student when he incurred the debt therefor the debt is his. also gave them his phone number to contact him directly. They still call me daily telling me it is my debt and I am responsible for it.
had a late payment XXXX months ago with my mortgage company citimortgage,XXXX months after my wife filed a bankrupcy repayment plan for the payment and ever since then, they 've been reporting me XXXX days late to my credit agencies, after XXXX calls and a credit union dispute, nothing has changed, they are still reporting me XXXX days late.
There is a collection account on my credit report from Cavalry Portfolio Services. It says they are reporting it every single month, which is just another means of harassment to get someone to pay. I have never even taken out a credit card with XXXX XXXX in the amount of {$440.00}. They are also reporting this as late, but I do n't even know how it 's possible to be late on a supposed collection account. I do n't have a contract with them. In fact, on their very own " validation '' it says previous arrangements are not applicable. There 's nothing to be late on. I 've never even been contacted by them. I 've never been contacted by XXXX XXXX about this account either. In fact, I just opened a new credit card account in XXXX with XXXX XXXX, but Cavalry just keeps reporting this collection item and on top of it report it as late every month. I called Cavalry again on XXXX/XXXX/16 at XXXX and requested validation of this debt. I was told that they do not own the debt and that they are not reporting, which again then should n't be on my credit report because it says being reported by Cavalry every single month for YEARS. Cavalry told me that XXXX XXXX owns this account and gave me their number. XXXX told me that they are owned by Cavalry and Cavalry is the one reporting this. I called Cavalry back again at XXXX and I again was told that there 's nothing that they can do and they are n't the ones reporting this although it 's on all three credit reports as such. I called XXXX XXXX back yet again and asked again about validation. I told them that if it is somehow indeed a valid debt that I would pay them, but they just told me that I should just know if a debt is mine or not and if they send me validation that it will just say that I owe {$440.00} and pressured me to just pay them over the phone and when I requested validation yet again they got gruff and hung up. A month and three days later ( today ) I called XXXX back to ask about my alleged account and spoke with XXXX XXXX at XXXX and she told me that after I asked for validation on XXXX, Cavalry recalled the debt the very next day. They are simply trying to hide that they never even owned this debt while they were reporting it, incorrectly reported and are shuffling this back and forth so that I ca n't do anything about it. Cavalry and their subsidiary ( if they even are a subsidiary! ) are just giving me the run around and it 's unethical and this needs to be deleted from my credit reports. Furthermore, each time a debt is assigned or sold to a new collection agency or law firm, that agency must advise me, very specifically, that I have a right to dispute the debt and request verification of the debt. I requested validation of my own volition numerous times and I have NEVER received a right to dispute.This notice is required pursuant to 15 U.S.C. 1692g of the Federal Fair Debt Collection Practices Act ( FDCPA ).
I have repeatedly tried to submit online disputes regarding my Equifax personal credit report. Each time, while making online disputes, Equifax suffers a " technical error '' and shuts my online dispute down. This has happened several times. I tried contacting Equifax customer service, but each time I was ignored. The web email dispute system that Equifax offers instead of the online dispute is inadequate because my Equifax credit report does not include the full account numbers for the accounts I am trying to dispute. Without the full account numbers, I can not complete the web email dispute form.
Some used my social security number to get a XXXX account ( fraudulent account ) and did not pay. I contacted ERC informed them it was not my account to remove it from my credit. They requested proof with my credit report, ID and SSN. They informed me via email I would receive a claim packet to complete in order for them to investigate to remove the item from my credit report. After waiting for a week I received no claim packet. I contacted organization again and am given excuses they can not discuss it with me because its not my account. It should be removed from my credit but they refuse to investigate and to remove the item.
XX/XX/XXXX Federal Trade Commission Bureau of Consumer Protection Washington, DC XXXX Re : Complaint against a Debt Collector Dear Sir or Madam : This letter serves as my formal complaint against the abusive debt collection practices of CIR Law Offices XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX California XXXX. 

In XXXX of XXXX, CIR Law Offices began the following practices in violation of the Fair Debt Collection Practices Act : ( 1 ) Refusing to send any documentation of the debt-payment agreement, and failing to send any validation of the debt or notice of my right to dispute the debt.

( 2 ) Attempting to collect a debt past the statute of limitations in my state.

I understand that you can't represent me in resolving this matter ; however, I would like to report their activity so that you can take action against them if you receive numerous complaints.
I applied for a HSBC Advance checking account on XX/XX/18 with a promotional offer of {$350.00} ( screenshot of details is attached ) after depositing {$10000.00} in new money within 30 days of account opening and maintaining that balance for 90 days. 

I received an email on XX/XX/18 ( PDF is attached ) saying my account application was pending and if they did not receive the required initial deposit they would be unable to open my account. 

I made the required initial deposit and received an email on XX/XX/18 ( PDF is attached ) saying my account application was approved. 

I made my deposit of {$10000.00} on XX/XX/18 ( screenshot is attached ) which is 30 days from the account opening date of XX/XX/18. 

I had not received the bonus so on XX/XX/18 I logged in to my HSBC account and started a chat session ( screenshot attached ) to inquire about the status of my promotional bonus offer. The HSBC chat representative mentioned they could see that I had met the requirement for the promotional bonus, but that it takes 6 to 8 weeks to receive the bonus after the requirements were met. 

I waited for that period of time and checked again through a chat session on the status of my bonus and was told that I had *not* met the terms of the promotion, which was contrary to what the chat representative told me on XX/XX/18. I mentioned my deposit was within 30 days of account opening but they told me that my account was opened on XX/XX/18, not XX/XX/18. The email I received on XX/XX/18 not only said " account application pending '' in the subject, but also stated " Please note your application will expire in 25 days and if we do not receive the required initial deposit we will be unable to open your account '' which led me to believe my account was waiting on my initial deposit to open. 
They told me they were going to submit an inquiry to their 'rewards team ' and would get back to me. 

I waited a few weeks, had not heard anything and started another chat session and was told an inquiry was actually *not* submitted but they would go ahead and do that after I requested it again. 

Instead of wasting more time and waiting even longer, I decided to submit this complaint for a hopeful resolution.
I received a call from XXXX XXXX at Great American Finance Company from the number XXXX at work a past due balance on a furniture bill that is {$110.00} and some change. I asked XXXX XXXX not to contact me at my job. He ignored my request and continued to tell me again that he was calling about my bill and that if I paid my bill then he would n't be calling me. I explained to him that I made a request for him to not call my job and the I will be reporting him to the FTC and XXXX XXXX 's office and his response was " do what you got ta do ''! He went on to say you should be paying your bills. I ended the call right there due to his harassment. He said XXXX blurb about the bill contents ; it was more so harassment due to me asking him not to call my job.
Through our recent experience, Citi Bank Credit Services has not followed the requirements of the Credit Card Act of XXXX. 

-Citi Bank put our XXXX payment, after a mere 2 days late ( more information below ) immediately into default mode with a penalty APR of 29.99 %. They did not respect the 30 day window the law grants us to make a late payment without APR increase. 
-In their notice to us ( which was embedded on page XXXX of our statement ), they do not clearly state when the penalty APR will be lifted. The law requires that our account is reviewed within 6 months and that this be stated on the notice. 
-They also did not inform us that we were legally permitted to cancel the account, maintaining the original APR within 45 days. 
-They are using our payments towards the lower APR first, where the law requires them to use our payments towards the the higher APR first. 

Additional Information : In XXXX, we were 5 days late paying our bill as we were out of the country without internet. We paid immediately upon our return and contacted the company on XXXX XXXX to confirm there were no issues with our late payment. They waived the fee and said there were no repercussions of our actions. However, as of XXXX XXXX, our APR increased to the penalty APR of 29.99 %, effective on our XXXX bill. We have called multiple times to discuss this issue, with no success.
XXXX XXXX XXXX is reporting erroneously on XXXX, XXXX   and Equifax credit bureaus.The account number is XXXX.The information is both inaccurate and incomplete.The payment history is inaccurate or incomplete.The account was closed on XX/XX/XXXX due to non-payment.The first payment missed was XX/XX/XXXX, it was 30 days late ( XXXX has this correct ) but XXXX was 60 days late, XXXX 90 days late and then closed XXXX XXXX.According to the facts the account is too old to report according to FCRA.The information supplied by the creditor that says otherwise is fraudulent.The date of first delinquency is XXXX XXXX.Re ageing it what is described above by the FCRA is prohibited and illegal. 
Upon receipt all 3 bureaus are required to delete and XXXX XXXX XXXX should be referred to a banking regulator if need be following this complaint.I have a letter from XXXX XXXX claiming not to understand the nature of similar disputes as not being specific.I hope this complaint is specific.
1. Citi bank miscalculate interest charge. 
2. They did not call on any law regulation only to avoid audit. 
3. I did try several times to solve this problem in direct contact. They respond very clever, general answer without any exact proof or support. 
They apply deferral interest to the current balance and after that calculate minimum payment. 
With this method Citi bank on very clever way count interest on interest. 
Deferral interest has to be recorded and calculate separate not to be add to current balance until the end of deferral period and after that add to current balance.
On XX/XX/XXXX, I scheduled a manual mortgage payment for {$5300.00} to be paid on XX/XX/XXXX. When the payment was not withdrawn by XX/XX/XXXX I called and asked why it had not been debited from my bank account. Chase assured me this was normal and that it would be effective XX/XX/XXXX. 

I called Chase on about XX/XX/XXXX and spoke with a rep named XXXX, who told me that the payment didn't go through. It ended up that for some reason, Chase stored a separate bank account for the automatic payments and manual payments. XXXX told me that if I made a manual payment on XX/XX/XXXX by telephone with her, that she would backdate the XX/XX/XXXX payment to indicate it was paid on XX/XX/XXXX. Had we not made this agreement, I would have made my mortgage payment on the XXXX as normally scheduled. 

On about XX/XX/XXXX, XXXX called me and told me that she was now refusing to honor her promise made in exchange for payment on XX/XX/XXXX, and would not backdate the payment. XXXX told me Chase has a voice recording that will corroborate our verbal agreement for early payment
On XX/XX/18 I disputed an account via online with XXXX asking the company to delete as I have no knowledge of the account. XX/XX/18 the results came back updated. XX/XX/18 I sent certified mail a request to verify or delete the account. ( I have uploaded an example if the letter ). The company again only updated the account without verification ( s ). I sent the same request to all three bureaus one of which ( XXXX  ) deleted on XX/XX/18 meeting FCRA requirements.
XXXX same as XXXX XXXX XXXX fraud documentation robo signing reied on by co conspirator, indecome globalserices, XXXX, BWW XXXX Collector forecloure mill .for deception and faulty evidence.debts that often could not be verified or may not be owed. Debt collectors BWW and conspirators named XXXX, BWW, XXXX, BANK XXXX use the court system for purposes of intimidation ( ASSIGNMENT FRAUD, FRAUD AND MULTIPLE VERSION COPY OF NOTES, FRAUD allonge, create mortgage notes using modern technology, fraud lost note affidavits none these document were ever certify as true and original copy by a practicing attorney in the foreclosure mill even with almost XXXX foreclosure mill attorney attached to this case. 
XXXX XXXXXXXX XXXX, XXXX, XXXX, XXXX XXXX knew these documents were fraud but continue o file even fraud note manufactured using the miracle modem technology, undated allonge signed by XXXX XXXX, of XXXX XXXX, and XXXX XXXX fraud stamp that on the note even ( several years she may longer work with residential funding, XXXX, home comming, that no longer cease to exist ), Introducing faulty or unsubstantiated evidence, Intimidating consumers with deceptive court filings THEY used sworn statements OF fraud affidavit, declarations of debts, assignments fraud prepared by XXXX prepared and robo signed from contract robo signer that claimed to be officers of multiple banking institutions attesting to details about consumer debts to support its lawsuits with no personal knowledge of defunct entities.when challenged their defense are baseless without merits.see similar actions of foreclosure XXXX law XXXX Firm Reaches Settlement with CFPB over Debt Collection Lawsuit XXXX XXXX, 2015 Under a settlement with the CFPB, the Georgia-based debt collection law firm will pay a {$3.00} XXXX fine and nsure the existence of a variety of non-monetary compliance policies and procedures. 
On XXXX XXXX, 2015, Judge XXXX XXXX denied the XXXX Firm 's Motion to Dismiss in the case Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX, 2015 ). In doing so, the district court concluded that the practice-of-law exclusion does not bar the CFPB 's CFPA claims. IN A SIMILAR CASE the CFPB has ordered XXXX of the XXXX law firm 's clients, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, to overhaul their debt collection practices and to refund millions to harmed consumers. The Bureau will continue working to ensure all players in the collections market treat consumers fairly.
Very threatening and rude to me and my family about collecting a loan debt from me while I am still XXXX. They mail me and call me too much.
On XX/XX/2018, I called in my mortgage payment to Chase mge and received confirmation that payment was submitted. There was no further contact from Chase to show otherwise. Upon receipt of XX/XX/XXXX statement I noticed an unusual line of past due balance for XX/XX/XXXX. I contacted Chase to see what problem was and was told payment was accepted then returned for non sufficient funds. This was impossible as I keep a balance of well over this payment and have overdraft protection. I contacted my bank and they wrote letter that states the funds were available all month for this amount as well as stating we have overdraft protection. ( Can provide ). Chase then states that it was incorrect acct number entered. However this was not the case as well. I paid XX/XX/XXXX and XX/XX/XXXXwith same saved info as I did on XX/XX/XXXX. I have been given several different unjustifiable reasons as to why Chase did not accept payment and none of them make sense. It was plain and simple a system glitch! We never got a call or email or letter stating this was late due to their system acknowledged the payment and for some reason, denied the payment and did NOT notify me nor my wife. This has taken our XXXX   scored to below XXXX and is affecting every aspect of our finances. We can provide written statements from our bank and what Chase sent us acknowledging we made our payment. We have tried many avenues with no correction. Please help!