WillisBack/dataset-financial-user-claim huggingface dataset:
I submitted my salary cheque on XX/XX/19 on Tuesday of XXXX- dollars in bank Of America i called them on Thursday why my cheque. is not cleared they. said. for verification purpose. i said ok then on friday called again why my cheque is still on hold they said we don't know I asked them then who knows they said. specialized team and they also cant help you I said who is responsible for all problems I am facing in form of rejecting payments and late fees since tuesday they didnt cleared my payment even other bank cleared payment on XX/XX/2019 even i have statement of other bank I called them again they Were rude with me and said we don't need your way we will do it Our by own way i said where i can file complain give me email i'd so i can send cclearance statement they said they don't have email id or complain center I have family I have to pay bills my phone bill is due insurance I delayed some payments and some were bounced back since the hold one time. payments got rejected putting late fees and overdraft fees still i am seeking help nobody is taking responsibility and delayed payments Bank of America owe my money and not clearing My payment even other bank cleared it i am still wondering and seeking help. but nobody is helping and i am afraid because of non payments my credit will g0 down. and the charges i am facing nobody is taking responsibility now you are hope for me otherwise i have to go ' to court for help.
On XX/XX/2018, my wife contacted quicken loans to get a preapproval for a home loan for us. She was told that in order to get that done, they will have to pull her credit. She is well aware that I dont want my credit pulled again. She gave her information and they pulled her credit and they pulled mine. She did not give the consent to pull mine. They even got my name wrong on the credit pull. They just use my first name with her last name assuming that we have the same last name. We tried to get it the pull removed but they say my wife should already know that pulling her credit means pulling mine too. They reviewed the conversation and true, they cant find the consent from my wife. They must have used the number from the old file to make the pull. Weve been in contact with the executive office and when she told us that, we requested that she put it in writing but she refused to do so.
My auto loan payment is due on XXXX XXXX - I rec 'd 2 text messages saying they were reminders with a disclosure at the end, that ended with this is a collection attempt. I responded heatedly that I did n't appreciate being treated like a credit delinquent in a reminder text. I made the payment on the XXXX XXXX. The payment shows in my bank history. I received another text that my payment did not go through. I checked my account again, the payment still shows in my account. So I texted them back, that according to my bank statement that payment has been made. I just received a phonecall that my payment was not sufficient. I go to my online account and they have charged me nsf fees of {$30.00} and {$15.00} dollars going in and out of my account. So they want an additional {$30.00}. 
My first payment, they tried to charge me XXXX per day interest because the date I said would be my first payment was different from them. The payment before this one, they said I put a stop payment on it ... .of course I did n't. When I called they said because of the card I was using the payment did n't go through, and that I had to use the XXXX XXXX option. The woman walked me through the payment on the phone, but what I noticed is that their website is inadequate and I think is intentionally programmed to not work or they just make up stuff as they go along. It has been about 1 month and what was supposed to be a easy solution, has turned into a complete nightmare. I want to shop for another car and get out of this situation.
I got a letter in the mail started that I have an outstanding balance for XXXX XXXX in the amount of {$3800.00} that I do n't even know about, I currently have an account with XXXX XXXX at this time in good stand
I had XXXX and the XXXX bill for {$99.00} is claimed to be unpaid. I have never received a paper bill from the agency, no calls from the agency, and have paid the doctors group using my Visa Credit Card the complete balance not covered by my insurance. I began getting calls during the summer of XXXX and they continue till today. 
I have repeatedly told these people to not contact me concerning this outdated account ( XXXX ), but they have harassed me at my place of employment, on my cell phone and my home phone. 
They said they mailed me letters, but they do not have my mailing address, and my physical address has never been used for any medical record or doctors files as I do not have a mail receptical at my home.
Equifax has fraudulent accounts posting to my credit file I have sent them police reports a identity theft affidavit and a ftc report so that the fraudulent items can be removed the fraudulent items are XXXX XXXX XXXX XXXX and XXXX XXXX The other two bureaus  have removed these fraudulent accounts, by law equifax has to remove fraudulent accounts and block them from reporting
I requested validation from collection agency reporting account and never received any. Sent paperwork to bureau, including certified receipt showing I sent request and bureau claims they verified account. Requested means of verification method from bureau and also received no response besides " account has been verified ''.
I have an unverified account from ARS ACCOUNT RESOLUTION. I had previously disputed this account. I have never done business with ARS ACCOUNT RESOLUTION. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that ARS ACCOUNT RESOLUTION provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ARS ACCOUNT RESOLUTION Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
I mail letters to the three credit reporting agency 's regarding past due accounts over Seven years old.They send me letters stating the accounts will be remove from my credit report raising my credit score a little.On XX/XX/2018 this company named ERC- REF # XXXX ACCOUNT # XXXX Amount debt # XXXX. I'm disputing the validity of the debt in question. I don't recall any service from XXXX XXXX XXXX XXXX
I check my credit score today and noticed 5 credit inquiries were made under my name on XX/XX/XXXX from XXXX XXXX without my consent or authorization. This is the 1st time my credit is impacted by identy theft, this happened to me XX/XX/XXXX when an unknown person/s took 2 vehicles out in my name, from 2 different banks at 2 different dealerships.
We tried for years to get repayment plans that would be based on income. The only options we were given were forbearance we owe a huge amount of money that even after payments continues to increase.
I have disputed and contacted this company ( First Investors FIN SERV ) several times about the debt that has been listed on my credit report. The in 2015 my car was repoed when i was in between jobs. I never received a call from the company to try and get the car back. Never received information when the car was sold at the Auction. By law the company is to advise me about this debt. The full balance that the car was first financed is listed on my credited report with XXXX & XXXX. Overtime the debt was charged off and the company had been paid off. I was living in Florida at the time of repossession and the Florida Statues XXXX was in total violation because the company never provided me with detail of when and where i can go get my personal belongings that was left inside the car, they never gave me a option to get the car back, the also never provided me with the dates and where the car would be auctioned off at, nor did they provide me with the information of how much the car was auctioned off for. Which totally violates the law. 

I have requested this information in writing from the company ( First Investors FIN SERV ) on several occasions to provide me with all of the documents pertaining the loan. I was only sent the original loan information and not the following documents requested. The amount that was listed on my credit report was for the original amount of the loan when i first financed the vehicle excluding the amount that i had paid on the car for a year before the car was repossessed. That itself is a violation of the law! 

I have requested that they remove this debt from my credit report because it is in violation. They refuse to remove the debt.
Hippa Violation, asked for validation and they send an itemize bill which is not validation, show prove like a contract between you and I, never heard of CMRE and never done business with them to owe them
Equifax and experian should remove this account until a judgement is entered against me that I owe the debt.
I checked my account on XX/XX/XXXX to check if bills paid went out. No fees. Incurred a overdraft fee on XX/XX/XXXX, identified on XX/XX/XXXX. Deposited funds to cover the overdraft on XX/XX/XXXX plus additional funds to cover another automatic payment. Per the Deposit Agreement with KeyBank they change the posting order of automatic payments and created an additional overdraft charge even though I went to bank and deposited cash. How is that fair, to charge two overdraft fees when there should only be one? I never picked KeyBank to be my bank I am just the unlucky person who started with a bank that was sold twice but this is completely unfair.
I received an approved offer of credit from a XXXX ( Bank of America ) credit card. I provided the required information and I have a XXXX credit score with XXXX  Credit Reporting Bureau. 

Therefore I believe that this denial credit is based on my age and Nationality and is discriminatory. Since I am an American Citizen and also XXXX. XXXX has had trouble with credit worthlessness and I am being discriminated on the basis that I am of XXXX origin.
XX/XX/XXXX I received an alert that my loan with Home Point Financial is being reported 30 days past due in the amount of {$780.00}. Every time I log in to their website, I have received 0 notice of any past due amount, and have received no communications in writing or by phone of a past due amount. 

I attempted to log in to their website, but am locked out. I attempted to call them to get it unlocked, but they're only open M-F XXXX-XXXX. 

I attempted to call them this morning, and they're having " system issues '' yet again. I can't access basic information about my account in the IVR, because any time it tries to pull up my account it locates 2 loans and then gives me an error message and hangs up on me. 

They've had " system issues '' and " website difficulties '' since they did an " upgrade '' to their services. This has resulted in a communication to accountholders with them from their company 's president, yet it's still not fixed. Their XXXX official response team just says " we're going through system changes/updates '' to any problem reported. 

There's virtually no way to contact this company if you have a servicing issue, and they've now violated FCRA.
Called jp morgan chase to file a dispute regarding an unauthorized transaction and after review they explained they couldn't refund me sue to my card being in my position i explained that this purchase is unauthorized and i don't know who this vendor is. 

vendor : XXXX XXXX il transaction date:XX/XX/XXXX amount XXXX claim date :XX/XX/XXXX
My wife and I reached out to Capital One for a refinance on our home with the option to take cash out. This process has been going on for over 3 months now. Capital One has counter offered my wife and I on several occasions. At first they were going to payoff the 2 cars we have, and all the credit cards we have. Then they called us and told us they could not payoff one of the cars because it 's a Capital One auto financed car. Then they stated they could not payoff 2 of our credit cards because it 's a Capital One credit card. On the second counter offer after the home was appraised from outside " The appraiser never came in to the house for a full appraisal '' The appraiser appraised our home as a 3 bedroom 2 bath. Well we have a 4 bedroom 3 bath. He appraised our home a XXXX. After we told them they appraised our home incorrectly the appraiser came back and this time he came inside the home. After that report he appraised our home at XXXX. Not sure how a 3 bedroom appraises more than a 4 bedroom. Since then we had a neighbor sell their home and we have the same exact square footage and plan and their home sold for XXXX. We also had a licensed realtor come by and he is willing to list our home at XXXX. After the low ball appraisal offer came in from Capital One 's preferred appraiser. We were told we have to hire a realtor and get the comps associated with our area within 1 mile. Before all of this Capital One stated they will be paying our closing cost and they will be paying our title fee. Well after this 3rd counter offer they told my wife and I that we have to pay the closing cost and title fees, not only that we will have to get back 4k-7k on proceeds back to the homeowner. I feel they have lead us on and I feel they have discriminated against us. Not only this deal is not fair but they re-wrote our loan at least 3 times into their favor and not ours. I do feel they just wanted another loan which is with XXXX XXXX onto their books and they were willing to do this by any means necessary. I would like to take a step further and hire a real estate attorney in regards to discrimination. Please let me know if you need any other information. 

Thanks -XXXX. XXXX
I have a fraud alert on my credit report. The below companies ran inquires without my permission. I disputed the below items with the credit bureau but nothing has changed. Anytime anything is done with my credit I am supposed to be contacted first. Please remove below inquires. Thanks XXXX XXXX XXXX XX/XX/2017 CHASE CARD Bank XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XX/XX/2017 XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/2017
I am tired and sick of Chase and Chase Executive office who keep playing games with my modification application. As of XX/XX/XXXX I was forced to re apply all over again since Chase told me that my application for loan modification was never reviewed. 


I re apply for the loan modification and now they are telling me that my application was removed for modification because the underwriter called me directly on XX/XX/XXXX and I refuse to accept the trial payment agreement. 

Now Chase is refusing to return my call, I called today and I was told the point of contact XXXX XXXX p. XXXX ext XXXX Manager XXXX XXXX are out of the office on vacation and they will not return my call until 1 month from now. 

There is also an executive office representative assigned XXXX phone number XXXX who is not in the office and doesn't have any information about my case. 

This is unacceptable since Chase has been playing games with my home since 2 years ago. It is convenient for Chase to keep playing games because my mortgage is adjustable and negative payment. 

Which it makes senses now that Chase keeps playing games with my home and keeps delaying my loan modification application. 

XXXX XXXX XXXX
XXXX is changing Health Savings Account ( HSA ) providers with limited notice from BenefitWallet ( Bank of New York Mellon ) to an account with " Further ''.

HSA holders are asked to sell any investments and transfer their funds as of XX/XX/XXXX or to pay a {$25.00} fee to transfer after XX/XX/XXXX. Account holders are also required to pay monthly fees to maintain a BenefitWallet account after XX/XX/XXXX.

The CFPB should prevent health plans from making unilateral changes to service providers with less than 1 month notice.
ive tried to access my yearly credit report with equifax and it will never allow me to do it ... i have to submit via reular mail ... .i just disputed a credit card error and i couldnt access it by regular channels, i had to use their special web email ... ..i have the response back in an email but when i try to access it im declined access ... ..today i tried calling was on the phone for 30 minutes with 2 different agents with no luck..i was transferred to the supervisor who promptly hung up and didnt call bacl..i need help with this .... ( i explained i was in the car and they were asking about every one of my 18 credit cards ... .... )
We paid our XXXX 2016 mortgage payment to Citi ( I have proof of deduction from my bank statement ) on XXXX XXXX, 2016. Citi transferred our payment to a different dept and then reported us 30 days late on our credit which is ruining our credit profile but more importantly hindering us from refinancing where we could save over {$800.00} per month. We were not 30 day past due. We have not been late on our mortgage for more than XXXX which I have records and documentation proving so. And the only reason we were late XXXX ago was because we were advised to do so to secure a loan modification. This is a HUGE problem for us and we need this reversed immediately.
I have received six phone calls and messages from Capital One ( XXXX ). My phone number is XXXX. I am on a no call registry and I assume they are trying to reach XXXX XXXX, the previous person assigned this phone number. I have had this phone number for the past year, but constantly get debt collection calls from various companies ( XXXX XXXX, XXXX, XXXX, XXXX ) You were so helpful in helping to stop XXXX XXXX from harassing me. I have Never had any dealings with Capitol One and they regularly call twice a day. I do not pick up.
My bank essentially stole {$510.00} from my account. My debit card had always been linked to my checking account. When my card was reissued, Regions incorrectly linked it to my money market account. Due to their error, I was charged a fee of {$240.00} in XXXX XXXX and {$270.00} in XXXX XXXX for " excess activity ''. In addition to being wrong, these fees are obviously outrageously high. I have written XXXX letters to Regions corporate headquarters regarding this issue, the second sent certified mail. They have not responded in any fashion.
I was alerted by Caine & weiner collection agency located in XXXX XXXX, CA by XXXX XXXX that a debt was placed on my credit report XX/XX/2018. They never sent me a letter. When I asked for a copy of a contract that I supposedly signed. They decline to send it. Or provide proof I owe this bill for {$540.00}. I was a victim of identity This is not my bill. I want it off my credit report. All my debts I owe are paid on time. I have XXXX  for car insurance not XXXX  and they dont have no proof that I owe this cause I dont owe this bill. It was a part of a identity Theft issue.
I am disputing a purchase and I a haven't been given the right response on several Day beginning XX/XX/XXXX-XX/XX/XXXX on business I been calling and no one has been giving me the right information about when I should receive my money back.
XXXX XXXX claimed they had a parking ticket for XXXX of my trucks. I wrote letters to the collection agency that contacted me and the City of XXXX. I expressly told this collection agency NEVER to contact me again. The City of XXXX gave me a court date. The ticket could not be found in the system and they dismissed any so called tickets. 2 days later the collection agency sent me a letter claiming I need to pay the ticket.
Hi, I've made a wire deposit from XXXX XXXX XXXX to Coinbase ( XXXX XXXX XXXX   ) on XX/XX/XXXX amount of {$25000.00}. However, the amount is still not showing up on my Coinbase account. I've called the XXXX XXXX XXXX  customer service and they told me that $ XXXX has been deposited to Coinbase on XX/XX/XXXX. I've contacted Coinbase several times in many ways but have not heard anything from them yet. 
For me, this is a large amount of money and I am very concerned about this issue. Could please please help me on this issue? I really want to know what is going on with my money? Below are the details of my transaction. Please let me know if you need anything else. 

Thanks for your help in advance! 

- Amount : {$25000.00} - Date sent : XX/XX/XXXX - Name of sending bank : XXXX XXXX XXXX - Personal name : XXXX XXXX - Email on Coinbase account : XXXX - Reference # : XXXX XXXX XXXX numberXXXX
I had made XXXX trial payments with XXXX and my loan was sold to LoanCare XXXX. I have contacted LoanCare and they wo n't speak to me. My housing counselor has submitted an authorization and re-submitted all my updated document, including proof that I 'm the owner of record and proof of my XXXX XXXX payment in hopes of quickly finishing the modification and simple assumption process. The documents were faxed to the fax numbers provided by LoanCare for authorizations and loss mitigation departments on XXXX/XXXX/16. The housing counselor follow up on XXXX/XXXX/16 and LoanCare still did n't have the authorization and would not speak to the housing counselor. The housing counselor follow up again on XXXX & XXXX and still no authorization. The customer service agent gave an email address to email the authorization and documents. The doc 's were email on XXXX/XXXX/16. An auto reply stated that the documents would be uploaded and available for review within XXXX48 hours. The counselor follow up again on XXXX, XXXX, XXXX, & XXXX. LoanCare states the documents have not yet been uploaded to the system, they ca n't speak to us. On XXXX LoanCare stated that my authorization would be available for review on XXXX/XXXX/16. A full 30 days after it was faxed. They have yet to acknowledge my paperwork, modification request, simple assumption request, death certificate, quick claim deed ect. and continue to refuse to speak to me or the housing counselor. My counselor states that most companies acknowledge the authorization within XXXX48 hours and that this has not been her experience even on newly transferred loans. I feel 30 days is unexceptionable because they will ask for all new documents because 30 days has passed. I also feel like they are negotiating in bad faith.
In XX/XX/XXXX, I was notified by XXXX that I had adverse credit reporting by XXXX XXXX. I contacted XXXX XXXX and found out the my loan was 120 days late. I had not received any notification from XXXX XXXX  concerning this. I immediately remedied the past due amount and made timely payments for a couple of months. I also filed a dispute concerning their reporting due to the fact that I was never notified by XXXX XXXX. I was denied any remedy to my credit report. I again contacted XXXX XXXX on XX/XX/XXXX regarding my dispute with their credit reporting and the fact that I was never contacted. I was informed that their records indicate that I had been notified by letter and by phone calls. I have never received any letters nor phone calls from XXXX XXXX. I believe that someone within their organization has falsified their records. I have always had a high credit rating. This action by XXXX XXXX has ruined by credit. I have always paid my debts in a timely manner. XXXX XXXX   refuses to make any changes to their credit reporting. I was never contacted by XXXX XXXX. I am the one who contacted them.
AES has claimed the loan was issued in XXXX when it was actually issued in XXXX. This is untrue and has resulted in inaccurate interest charges.