WillisBack/dataset-financial-user-claim huggingface dataset:
I am currently trying to purchase a house. I have been dealing with this issue for several years now. The original company was originally XXXX XXXX XXXX XXXX XXXX ( XXXX ) representing XXXX XXXX who bought a debt from XXXX XXXX. Since then the accounts of XXXX have been taken over by Cooling and Winter after XXXX went out of business. Cooling and Winter were the business partners of XXXX XXXX XXXX. 

In 2013 I received notice from the XXXX County, Ga court house to come and pick up a judgment against me. I had never received anything in the mail prior too or any phone calls from this company notifying me that I owed a debt, or any information on how to dispute the debt. Because there was a judgment against me, and because I had never been in any trouble, I assumed bc this company used the court system that it was a legitimate claim. I contacted XXXX and spoke with a representative to schedule payment arrangements. The representative never told me which company had the original account against me or what my options were at that time. I made several payments to this company, but my balance was not decreasing, so I asked the representative about it and she gave me something about having to pay interest on the account and told me that she would connect with me an attorney within there company to explain. She also said some other things, that was not adding up, so I begin researching the company on the internet, and realized that something was not right. After further research and review of my credit I realized that I have never had any accounts with XXXX or XXXX XXXX so I stop paying them. XXXX XXXX XXXX never reported any information to the XXXX County, GA courthouse of payments that I was making to them. 

There is currently a court judgment against me that I am disputing. I have also filed a dispute with Cooling and Winter. The representative at Cooling and Winter told me that in order for it to be settled, I would have to prove that I never owned the account. XXXX XXXX XXXX violated several consumer practices when filing and attempting to collect on this debt. I do not owe this debt and this is fraudulent.
Hello. 
Writing regarding XXXX XXXX and the XXXX CFPB consent decree against them : ADMINISTRATIVE PROCEEDING File No. XXXX. 

I am a XXXX XXXX equity accelerator program ( enrolled since XXXX ) customer who met the criteria, per the consent order, to be reimbursed for fees and mortgage payments which were NOT paid to the bank/mortgage company as advertised. To date I have not been contacted by the company about a credit ; i have contacted them on several occasions requesting credit and customer service reps were unfamiliar with credit owed so essentially nothing happened towards making me whole and complying with consent decree. Contacting you for assistance and resolution, please. 

Thank you.
I filed a complaint against XXXX XXXX XXXX with CFPB and XXXX apologized and agreed to correctly report my account. Dispute # XXXX. Equifax continues to report the account incorrectly and needs to just remove the improperly reported account from my credit report.
Opened a checking/ savings account with Navy Federal Credit Union on XX/XX/2017. I have monthly credit monitoring and received an alert that Navy Federal Credit Union had pulled my credit report. I did not apply for credit card or a loan and did not give permission to Navy Fed to pull my credit. Called Navy Fed on XX/XX/2017 to ask why my credit was pulled. Customer service representative first said she was not sure why since there was not any credit or loan applications in my account. She put me on hold to further investigate, and when she returned, she told me that it was supposed to be read to me, it was on the disclosure agreement ( opened the account over the phone ), and Navy Federal was pulling credit reports to have the reports in their file if I apply for credit or loan in the future. No one informed that my credit was going to be pulled when I opened savings and checking account! I have closed my account with Navy Fed. Please investigate! Thank you!
My account was suddenly stating that it was overdrawn $ -XXXX! I do n't know what is going on but I have n't used my card and I still have it in my possession
On XXXX XXXX, 2015 I paid off the XXXX XXXX XXXX, account. I received a letter on XXXX XXXX, 2015 that the account had been resolved. However XXXX XXXX is still reporting it on my credit report.
My title company sent a check to payoff my installment loan early on XX/XX/XXXX. Thought this was all taken care of until I was looking at my credit report online on XX/XX/XXXX and the report stated that I still owned {$170.00}. 
I tried to get online to look at my account but I had been locked out and so I called and talked to a account representative, and an account manager who told me I could not get back on my account and I could not get a statement, I was just to pay the amount demanded. When I asked what was the number to their legal department they said they could not hear me any more and disconnected the phone. 
I do remember going online at the end of XX/XX/XXXX and seeing something about my account being {$60.00} or {$70.00} left on it and I paid it. I should have a XXXX balance but I ca n't get a statement. The payoff amount they gave to my title company and they sent the check.
I am receiving letters and email from American Educational Service about how much I owe on a student loan. I am unsure who and how much to pay. I receive letters from American Educational Service, and XXXX XXXX XXXX. 

I am unclearer how much i owe. I attended XXXX in XXXX and borrowed $ 30-38, 00. However, American Educational Services is sending me letters saying I owe over {$100.00}, 000.00. I am disputing this amount. I have verbally requested, when talking to the representative, to send me the original papers with my signature, on all my student loan. They have not responded to my request. They keep sending me information about how much i owe. I recently came out of default, and was paying XXXX. They added on {$13.00}, 000 to the loan. I payed the {$5.00} for 18 months to get out of default. 

This whole process has been confusing. You receive letters from various companies who say you owe the money for the school loan. No one wants to verify and information. There is a lot of fraud going on. This is why I am asking for verification with my signature, indicating that i applied for the school loan. 

Thank you,
Ref complaint ID XXXX XXXX Regarding 5th-3rd bank with my account, my follow up comments are enclosed. 

I read the bank 's closing comments which are false. How convenient for them to use " technology '' as their means to justify their motives to take " customer 's money ''. 

1 ) Ms XXXX 's comments that my checking account was set up for Internet banking vs paper mailing is false. I DID NOT SET THIS UP. I did not authorize this. I would never set up a paperless account. When I was already receiving statements for my savings. 
it does not make any sense to have a paperless statement for checking. All accounts should be consistent mailings. 
Also, In addition, I was not able to access the Internet account. Continuous attempts showed invalid name, invalid password. I was not able to access on-line. 

2 ) My first communication with 5th-3rd was that there was no activity, when in fact, the bank was using their process to " take fees '' out of the account. Even though, I did not initiate this activity, the bank continued to do so. These fees, initiated by 5th-3rd are activity. THIS WAS ACTIVITY. 

I WAS NOT INFORMED OF " AUTOMATIC CHANGES TO MY ACCOUNT. As the bank continued to " bleed my checking account dry '' with their fees, this is another example of " poor '' communication with their customer service. Ms XXXX 's letter does not provide accurate facts on this complaints, only to justify the bank 's purpose. 

I am not contesting the bank 's requirement for their balance on the account. 
Even though, they are excessive.. However, I should have been informed, IMMEDIATELY, on paper by mailing, that {$25.00} fees per month, were being withdrawn. 

I have contacted her office, only to be able to leave a message. She has not returned my phone calls. Therefore, I am requesting another review on this complaint. A refund of {$140.00}.
On the date of XXXX XXXX - XX/XX/2017 UTC I made a sell order of XXXX Ethereum, trade ID XXXX. The " price locked in at that moment '' was ( USD ) {$2600.00}. But the transaction went through at the price of ( USD ) {$740.00}. 
This in direct correlation to the false entry in books, reports, statements and fraudulent pretenses, includes the intentional technical inaccuracies and price chart errors from the approximate dates of XX/XX/XXXX-XX/XX/XXXX and to this current day, where Coinbase/GDAX maintains a false record to the price of Bitcoin, Ethereum , Bitcoincash and Lightcoin cryptocurrencies according to the price chart. Coinbase/GDAX has drafted a fraudulent user/legal agreement in compliance with Local, State and Federal laws, rules and regulations.

After having through much diligence, found that first and foremost, 12 CFR 1005.9 - Receipts at electronic terminals ; periodic statements is being violated. Specifically under section, ( 1 ) Amount. The amount of the transfer. A transaction fee may be included in this amount, provided the amount of the fee is disclosed on the receipt and displayed on or at the terminal. And ( 6 ) Third party transfer. The name of any third party to or from whom funds are transferred. And ( 5 ) Address and telephone number for inquiries. The address and telephone number to be used for inquiries or notice of errors, preceded by Direct inquiries to or similar language. The address and telephone number provided on an error resolution notice under 1005.8 ( b ) given on or with the statement satisfies this requirement.

Including, 18 U.S. Code 1001, 18 U.S. Code 1005, 18 U.S. Code 1007, 18 U.S. Code 1343, 18 U.S. Code 1344, 18 U.S. Code 641. Also including applicability in, 12 CFR 1001.1 Under ( 12 U.S. Code 5481 ( 15 ) ( A ) ( ix ) and ( 15 ) ( A ) ( xi ) and ( 26 ) ( a ) ( i-ii ) and ( 28 ) ( a ) and ( 29 ), 12 CFR 1005.1 ( a-b ) 12 CFR 1005.16, 15 U.S. Code 1693f and 1693m and 1693n, 15 U.S Code 78e I have contacted Coinbase/GDAX with communication for a period of over two months, with another legal issue of the " Coinbase Support Team '' acting as legal  intermediary. And failing to direct me to the correct accepted legal agent of service, after I stated I would seek legal action.
PHOENIX FINANCIAL SERVICES Date Opened : XX/2017 Account : XXXX Amount : {$420.00} Office of the CFO, Thank you for your recent inquiry. This is not a refusal to pay, but a notice that your claim is disputed. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please complete and return the attached disclosure request form. Please be advised that I am not requesting a verification that you have my mailing address, I am requesting a validation : that is, competent evidence that I have some contractual obligation to pay you. Being that this was due to identity theft you are reporting negative information on my account that is not mine which is in direct violation of the FCRA section 605B. You should also be aware that sending unsubstantiated demands for payment through the United States Mail System might constitute mail fraud under federal and state law. Your failure to satisfy this request within the requirements of the Fair Debt Collection Practices Act will be construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorneys fees. Lastly, I hereby withdraw any prior consent, either expressed or implied, for you to communicate with me in any form other than writing. In the event that you can not properly validate the debt, then you are demanded to cease and desist communication in all forms regarding this matter. Any communication from you and/or any agents, subsidiaries, etc., will be regarded as willful negligence along with any other applicable violation ( s ) and prosecuted to the full extent of the law if deemed necessary. Govern yourself accordingly. Sincerely, XXXX XXXX CREDITOR DISCLOSURE STATEMENT Name and Address of Collector ( assignee ) : Name and Address of Debtor : Account Number ( s ) : What are the terms of assignment for this account? You may attach a facsimile of any records relating to such terms. Have any insurance claims been made by any creditor been made by any creditor or assignee regarding this account? Yes /no Has the purported balance of this account been used in any tax deduction claim? Yes / no Please list the particular products or services sold by the collector to the debtor and the dollar amount of each : Upon failure or refusal of collector to validate this collection action, collector agrees to waive all claims against the debtor named herein and pay debtor for all costs and attorney fees involved in defending this collection action. X Authorized signature for Collector Date Please return this completed form and attach all assignment or other transfer agreements that would establish your right to collect this debt. Your claim can not be considered if any portion of this form is not completed and returned with the required documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. If you do not respond as required by this law, your claim will not be considered and you may be liable for damages for continued collection efforts.
I have been doing business with GM Financial for years. I currently have four leases  with them and pay them {$2600.00} per month in lease payments. I got out of a lease early and leased another GM through GM Financial. In breaking with their past practices, they only forgave 6 payments as opposed to the 8 payments that they agreed upon. In addition, they stopped billing me in XXXX of 2018. Not knowing why I owed and expecting a bill, I sent them {$500.00} per month. They just dinged my credit report with a 60-90 reporting which is totally false and they also owe me {$1900.00} - two lease payments at {$950.00} each that they agreed to waive if I continued doing business with them. I tried to resolve this issue directly with GM financial and not one of the 4 workers I spoke to could find information on this account.
Since U.S. Bank submitted their side, of what is assumed, on their behalf, to be their reason of closure to my accounts. First issue I 'm addressing is why my ATM and Check Card Overdraft Coverage Confirmation was and still is being disregarded? Second issue is why my bank accounts were over drafted that high of an amount when I believe since I never had a linked credit card to my account to cover such an amount without causing U.S. Bank to alert me that my savings is insufficient to cover. Money will never be secure at that bank with personal that allows them to blame customers for their faulty technical technicalities, our right as customers, is they except blame along with who was n't qualified to be a bank representative. Third issue is notice of closure form had a date XX/XX/XXXX with amount owed {$480.00} to my savings account. XXXX charge off {$530.00} as of XX/XX/XXXX. They had about thirty or more days from XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX to investigate their at fault and be free of clerical errors reporting to XXXX. My accounts had fluctuating balances of {$5000.00} to {$10000.00} that past year of XX/XX/XXXX. I believe with fees and confusion, there is a balance owed to me. Issue number four is U.S. Bank did not care to find where my deposits disappeared too, only that I was supposed except their frivolous accusations as just a person in general to their concern, which felt violating in accord with my civil rights.
On Tuesday XXXX XXXX, 2017 I went into my Chase bank branch. Made a wire transfer from my account in the USA to my account abroad, XXXX. I have wired money before and it has taken two business days.
The transfer did not go through after two business days so, I called the branch on Thursday X/X/17. They told me that technically they have until X/X/17, but that they will look into it. The branch manager called me back and said that all was good that the money had been released.
I arrived into XXXX X/X/17 and no still no money ; I was to close on a home here today X/X/17 and nothing.
I called on X/X/17 to inquire about wire transfer, they said it should be released within 1 hr. Monday X/X/17 still nothing, they said it was out of their hands and that I should call the Chase Wire department.
I called the Chase Wire department ( this international call will cost me a lot of money ) and they said that the wire transfer should be here by X/X/17 ; and still nothing.
Today is X/X/17 and nothing. This is ridiculous, I am stuck abroad, with no money.
**The worse part is that within the phone calls made, I have spoken to several representatives, some passing me on to others, and some even telling me that the transfer does not exist on my account.
For example yesterday I called XXXX, one customer representative said that the money was released X/X/17 ; when I inquired about the delay, she passed me over to another  representative, the other representative told me that she did n't know what transfer I was talking about since she did not see any wire transfer- as you can imagine I was upset. This representative suggested that she contact he branch manager to inquire about this.
She called he branch manager and his response was that the wire had gone through and that I should have the funds available today X/X/17.
That international call lasted over 55minutes. There is major miscommunication between the representatives.
I recently received a copy of my credit reports from the XXXX credit bureaus and I noticed an account in collections from Franklin Collection Services in the amount of {$220.00}. I contacted the collection and requested verification of debt but all I received is a bill. There is no breakdown of charges or signature. I have disputed this and requested in depth verification of this debt but I have not received a response.
I paid check n go {$550.00} by my debit card by phone. Later when o checked my account there was a pending charge for {$490.00} that I did not authorize. I contacted them and they stated that it was n't in their system so there was no way for them to reverse the charge and assured me that the charge would fall off. I expressed my concern that this pending charge would cause my rent to bounce and they advised that anything that I am charged such as bounced check fees or late fees as a result of their error would be reimbursed. My bank was unable to do anything because it was a pending charge and had not gone through yet.Because of this I went ahead and paid my rent hoping the charge would fall off. It did n't fall off until 5 days later and as a result my rent bounced and I was charged {$200.00} in fees. I contacted check n go and advised I have screen shots of my bank acct as well as a letter from my bank proving all of this. The rep spoke with his manager who said that they will not help me because they do n't show it in their system. I asked to speak with the manager and I was told no to go online and complain.
On XXXX XXXX, 2016 I called Wells Fargo Bank to inquire about refinancing my mortgage to get a better interest rate. I initially contacted Wells Fargo because they have a special program for teachers as listed on the teachers ' union website. I wanted to get a loan estimate that I could use to compare and shop around with other refinancing offers. After talking to a Wells Fargo representative for over an hour and reviewing costs, he offered to send me a loan estimate. But in order to proceed, he said that I had to pay {$510.00} for a credit report and appraisal. I told him that I did not feel comfortable paying the money without having time to review the loan estimate first. It was early evening and he told me that the rate would not be guaranteed and that we would have to start all over if I waited until the morning to review the loan estimate. Against my better judgement, I gave him my credit card information for payment. I had more trust in the company since they were recommended by the union. In addition, my XXXX year old daughter had been crying about eating dinner and I needed to end the call, but did n't want to have to start all over again. The next day I still felt uncomfortable about the fact that they demanded so much money upfront without giving me the opportunity to review the loan estimate. I decided to call another bank just to compare numbers and they ended up giving me a loan estimate without any upfront payments and ended up being significantly cheaper. I realized at that point I had been lied to about having to pay the money upfront since the other bank made no such requirement to review the loan estimate. I went on the Consumer Finance Bureau 's website and it says, " You can be charged a credit report fee before receiving a GFE. But, you ca n't be charged any other fees until you get the GFE and indicate that you want to proceed with the mortgage loan. '' Wells Fargo did charge me additional fees -- the cost of the appraisal -- before giving me the opportunity of reviewing the loan estimate. By saying I had to give them money at that moment or else the loan estimate would be void, was deceptive and used to get me to go with them after paying such a large down payment. 

They also had the appraiser call me immediately to schedule an appraisal, which is another tactic used to prevent me from shopping around. I realize I made a mistake by not trusting my instinct, but these practices are deceptive and should be banned. 
As a result, I was charged {$510.00} even though I am not using Wells Fargo to refinance my loan.
While client and husband were married, husband took out a mortgage loan in XXXX from National City Mortgage ( n/k/a PNC Bank ). The loan is evidenced by a Note signed by the husband and deed of trust signed by my client and her then husband on the home which they owned as tenants by the entirety. My client and her husband were divorced in XXXX XXXX. As part of the divorce decree, my client was awarded the home. But the divorce decree also requires her to assume the mortgage loan. My client has tried to find out the status of the loan but PNC will not talk with her even though she has sent them copies of the divorce decree and is now the sole owner of the property. She has been making mortgage payments since XXXX XXXX, XXXX but has no idea whether PNC has been applying her payments to the loan because PNC wo n't talk to her or send her bank statements. Recently, she heard from a third party that PNC has been returning all of her payments to her ex husband. She can not confirm whether this is true because PNC wo n't tell her anything about the loan and her ex husband wo n't tell her. She is reluctant to send in another monthly payment if PNC is simply going to send it to her ex husband. At the same time, she fears that if she does n't send the payment, PNC may declare a default. My client needs complete information about the application of her payments and a borrower response package so that she can apply for a contemporaneous loan assumption and modification.
MR COOPER HAS MY LOAN. I HAVE BEEN TRYING TO GET AMORTIZATION SCHEDULE FROM THEM UNSUCCESSFULLY FEW TIMES. WHY IS THIS INFO NOT AVAILABLE ON MY ACCOUNT. I WAS ALWAYS ABLE TO VIEW THIS INFO WHEN XXXX XXXX HAD MY LOAN?? HOW CAN THEY GET AWAY WITH THIS. I MAKE EXTRA PAYMENTS TO MY PRINCIPLE BALANCE AND I HAVE TO WAY TO CHECK IF THIS IS BEING CALCULATED CORRECTLY BY THEM SINCE AMORTIZATION SCHEDULE IS NOT AVAIALBLE!!!!!!!!!