WillisBack/dataset-financial-user-claim huggingface dataset:
First, on XX/XX/XXXX, I called Nelnet & spoke with XXXX ( customer service representative ) regarding a letter I received in the mail dated on XX/XX/XXXX for a student loan that XXXX claim to have never received a payment. In addition, according to XXXX their computer system shows that I 've never contacted them before, they have never received a payment from me, she does n't know anything about the university ( student financial services ) placing a hold on my student account for tuition fees of {$1000.00} on XX/XX/XXXX,  and their computer system shows that I received {$8000.00} ( subsidized ) & {$8000.00} ( unsubsidized ) student loans totaling {$16000.00}. 

Finally, I was only issued by the university three tuition refunds for two semesters ( XX/XX/XXXX & XX/XX/XXXX ) based on my enrollment status with refund dates & amounts along with last payment as follows : 1. XX/XX/XXXX = {$1200.00} 2. XX/XX/XXXX = {$2400.00} 3. XX/XX/XXXX = {$3700.00} The total from those three payments is {$7400.00} with the last payment from the hold placed by student financial services made on XX/XX/XXXX for {$110.00}. My total amount of payments made towards tuition as of XX/XX/XXXX is {$1000.00} with the remaining balance at {$6400.00}.
There was a hard inquiry on my credit history from XXXX on the date of XXXX XXXX, XXXX. XXXX XXXX I spoke with a representative XXXX around the time of XXXX, she then switched me over to XXXX XXXX XXXX. I explained to XXXX that I wanted to dispute a hard inquiry from this company off of my credit. He said alright but he would need the Credit Bureau to send XXXX a letter confirming that they would like to have this inquiry removed because they were n't able to send out letters. I then called the Credit Bureau XXXX TransUnion XXXX and the representative was very rude about helping me. He said there is nothing he can do about the situation, he needs XXXX to submit a request asking for this inquiry to be removed. I consistently tried to explain to him what the representative told me. I then asked him what should I do if they said they can not send out letters. I was then told that " I do n't know what to tell you that is your only option ''. I was not impressed and vary dissatisfied with the representative of the credit bureau.
On XX/XX/XXXX I recieved a check in the amount of {$2100.00} from XXXX XXXX  for my wedding dress. I took this cashier check to my bank, JP Morgan Chase. I gave the check to the bank teller and she deposited the check into my savings account. Chase approved {$100.00} until they could prove the check was cleared and had funds. On XX/XX/XXXX the remainder of the check was deposited into my savings account. XXXX XXXX told me he was in New York in XXXX XXXX training and is having a moving company pick up the dress. We had agreed that he was going to send me enough money to cover the dress plus the shipping fee. XXXX XXXX   told me it would cost {$1500.00} to ship the dress but he would let me keep {$50.00} extra since I had to send the dress. I wire XXXX XXXX  {$1400.00} total to pay for shipping using XXXX   to XXXX. On XX/XX/XXXX I realized my account with Chase had been emptied, both my savings and checking. I went to Chase Bank as soon as I realized this and they told me that they had closed both of my accounts and that I could never bank with Chase again. The check that XXXX XXXX had sent to me was a fake check. When I ask why they approved the check on XX/XX/XXXX they had no answers for me. I had around {$1600.00} in my account and I have lost all of it. Chase told me I am also responsible for the insufficient funds of {$580.00}. I have spoke with several different people and they all tell me the same thing. I ask why its my fault for depositing a fake check if they couldn't even tell it was fake, NO answer has been given, Since then I have filed a police report with my local police station.
Transferred the balance of a capital one account that was delinquent in late  XXXX  to early  XXXX . The account was up to date in mid  XXXX , account balance of  XXXX  was transferred in  XXXX   XXXX ,  XXXX  to a lower interest account that was opened with a local credit union. The new  XXXX   XXXX  account that was opened on  XXXX / XXXX / XXXX  has never been past due and I have always payed  XXXX , almost double the minimum payment (  XXXX  ) The balance has been current for over a year and no longer is there any delinquent accounts opened.
On XXXX/XXXX/XXXX at XXXX I sold XXXX XXXXXXXXXXXX per ETH ( {$3500.00} ) to my USD Wallet on Coinbase. My ETH was removed from my wallet, but I 've never received my USD. This transaction is supposed to be instant and it 's been 30 days and I still do n't have my money. I opened a case with Coinbase support ( Case ID XXXX ) on XXXX/XXXX/XXXX and I received an update on XXXX XXXX that they were going to have a specialist look at the issue. I called their phone support on XXXX/XXXX/XXXX and after waiting an hour on hold the analyst told me that my request has been properly escalated and that 's all she could do XXXX XXXX ID XXXX XXXX. When this amount of money is on the line I do n't see how this level of service/support can be acceptable. 

Coinbase needs to resolve my issue and deposit the {$3500.00} to my USD account on Coinbase
A fraudulent credit account was opened in my name subsequent to the XXXX computer hack. I closed the account as soon as I found out, first with a phone call, then with a follow-up letter per the instructions given in the phone call. 
Months later, I received a collection letter. I replied to this letter, including the documented account closure and envelopes of mail pertaining to the fraudulent account which my alert postal carrier had re-routed to my address. 
My complaint is that I requested all documentation pertaining to the fraudulent account opened in my name, citing my rights under the Fair Credit Reporting Act. Military Star has not complied with this request. Also, I do not know whether AAFES plans to pursue payment of the account ( especially since they send mail to an incorrect address - I 'm lucky my postman delivered at least some of the Military Star mail to me. )
I 'm considered " XXXX '' which means i did n't need to pay for classes up until the age of XXXX while attending any state college. I have never agreed to pay Navient and if any loan does exist, then the state is responsible and not me for this loan. XX/XX/XXXX i after receiving many unknown calls, i finally called back and spoke with a representative who advised that this particular account was past due. I was advised to register for classes to at least half time to avoid this account from negatively impacting my credit reports. i agreed and customer service representative advised on a recorded line that a forbearance was taken care of and i would be be placed back on deferment and no negative reporting would take place. Mind you, i have no knowledge of loan because i was n't responsible for paying for school. This was not done, as a result, a negative reporting was placed on report. XX/XX/2016 i called in after getting harassing emails and advised that i registered for XXXX college, but my account was set for non degree seeking and i was mistakenly dropped from courses. I did advise that i was registered for real estate class and was yet again assured that was fine and they would remove any pass due payments and no late reporting would show.
I currently have two active cash-advance promos on the XXXX MasterCard issued by Bank of America ; {$15000.00} owed on a promo that was taken out in XX/XX/XXXX and is due XX/XX/XXXX and {$14000.00} owed on a promo that was taken out in XX/XX/XXXX and is due XX/XX/XXXX. It is my desire to pay both promos off before their due dates to avoid interest. I contacted BofA on XX/XX/XXXX to check how a recent payment was allocated -- the payment was substantially above the minimum payment required. Much to my surprise, I was told that my payment had been applied the promo that expires on XX/XX/XXXX. I then asked the representative to re-allocate the payment to the promo that was expiring on XX/XX/XXXX. This is where things went downhill. 

The Customer Service manager I spoke with indicated that the law was very specific that banks had to allocate payments to the promo that had been on the books the longest, even if that promo does n't mature first. Most likely in 90 % of the cases, this payment allocation logic makes sense -- promos that were booked first would mature first. HOWEVER, when you offer promos of varying lengths ( as BofA does ), the potential exists for an " older '' promo to mature after a promo that was booked later. That is the position I find myself in. 

After reading the Payments section of the Card Act, I find what the manager told me regarding payment allocation to simply be untrue. The payments section was very specific regarding applying payments to the highest APR balances first and then to promos within two months of their expiration. Nowhere did I see that a bank was required to paydown the oldest promo balance first. Additionally, section 1026.53.b.1 ( ii ) of the Card Act provides for the card issuer to reallocate any amount above the min pay among the balances on the account in the manner requested by the consumer. 

Given this, I 'm not sure if this is a technical issue for BofA or if the capability exists but the customer service staff simply is n't aware. Either way, the way that I 'm being forced to have my payments allocated is harming me as a consumer by essentially robbing me of three months ( XXXX ) to pay down the promo that expires in XX/XX/XXXX and I am not at all happy about it. Additionally, I ca n't be the only consumer in this situation so I 'm sure that there are other BofA customers being harmed by their unfair practices.
First I received mailings from these people saying they would get me a 30 year mortgage at a rate of 3.25 % and skip XXXX mortgage payments, no out of pocket costs and my new payment would be {$1000.00}. Upon calling XXXX XXXX told me the best he could get me without out of pocket costs would be 3.75 %. and my monthly payments would be {$1600.00}. Also a return of my current escrow balance. As you can see this is nowhere near what was sent to me in the mailing. He called me back several times trying to sell me on this. I told him I wanted to see it in writing and I know that is required to be sent after 3 days of receiving a quote which is what was done over the phone. This was XX/XX/XXXX that I requested this. The last conversation with XXXX he got real rude with me to the point when I told him I wanted to see it in writing that I hung up as this is poor business practice. He told me sending me a quote was a waist of his time. I told him it was required by law.
Regaurding my XXXX account XXXX XXXX XXXX XXXX for a XXXX account, it shows the account late last XXXX. I have had numerous calls with chase and they agree this is at their fault and have agreed to remove the late stature for XXXX. Please reflect this and the jointly agreed upon decison
The have repeatedly called my home and work after I have asked that they stop. They are not the actual creditor, but a third party collector. They are rude and threatening. Even when I asked them to stop calling my job they said they would not stop. there are calling me from several different numbers, including blocked numbers. They are calling from thee numbers ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, & XXXX )
The company had what they called " locators '' call me non stop, these people demanded personal information such as address. They told me that if I did not call a certain number, they would be coming to my house to serve me papers. I called the number and they said there company was called Global. They told me that if I did n't set up payment plans, they would not call off the locators and they would come to my home and serve my with legal papers that day. I was scared into setting up a payment arrangement. I lost my debit card, so when they went to process the second debit, it failed. I just received repeated calls from a number of only '' XXXX '' the voicemail left was threatening in nature..they said I only had hours to correct the error. They then said that if I did n't fix this, The exact words were " Good Luck '' They have called my job, and harassed my boss over this XXXX. This ca n't be legal!
I have disputed this account many times with all  XXXX  credit bureus. This account has never been verifiable and is reporting different account statuses and amounts on each one of my reports.  XXXX  shows {$6500.00} and closed and Transunion shows {$6600.00} and open. By law the FCRA states all information has to be 100 % verifiable and accurate. This account is not following the law. The account is with   XXXX   XXXX   XXXX   XXXX
THE BANK CHARGED AN ADDITIONAL IMPROPER {$35.00} DOLLARS INSUFFICIENT FUNDS FEE, PLUS A MONTHLY SERVICE CHARGE OF {$10.00} TO TAKE AWAY MY EARNED {$10.00} DOLLARS BONUS FOR USING POPMONEY SERVICES. AS BECAUSE OF THIS BANK ACTION {$48.00} DOLLARS IS MISSING FROM MY BANK CHECKING ACCOUNT. 
THIS BEGAN THURSDAY XXXX XXXX AS A MERCHANT REQUEST FOR PAYMENT CAME IN FOR IN WHICH THE BANK PAID AND CHARGED THE {$35.00} INS.FUNDS FEE THIS MADE MY ACCOUNT BALANCE A NEGATIVE - {$8.00}. EARLY FRIDAY MORNING I MADE A CASH DEPOSIT FOR XXXX DOLLARS THIS BROUGHT MY ACCOUNT IN THE POSITIVE TO {$XXXX, LATER THAT MORNING VIA ONLINE BANKING I CHECKED MY ACCOUNT BALANCE IT WENT FROM XXXX TO. {$160.00} MISSING {$35.00} dollars. ADDITIONALLY THE BANK CHARGED MY ACCOUNT A MONTHLY SERVICE CHARGE FEE OF {$8.00} BUT I HAVE A NO INTEREST EARNINGS CHECKING ACCOUNT WITH NO MONTHLY SERVICE FEE CHARGES. AND CUSTOMER SERVICE REPRESENTATIVE WOULD NOT EMAIL OR US POSTAL MAIL SEND ME A CLAIM FORM FOR THIS ISSUE, THANK YOU.
The aforementioned credit collection agency representing whoever your " client '' is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files :  XXXX ,   XXXX   and  XXXX . The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If ASSETCARE does not have any documentation other than a bill that they printed, ( i.e. : signature contract agreeing to pa y ) they nee d to retract this from my credit file immediately.
I had my vehicle stolen and burned. I contracted XXXX XXXX XXXX about the situation and they told me that was fine and insurance would cover the issue. Insurance took care of the issue several months later, but they claim that I still owe {$1400.00} on the account from the months that were not paid. This has been over several years now. I documentation from them showing that the account is paid in full. Yet they refuse to change it on the credit bureau report and they say that I still owe them {$1400.00}. 

I have disputed this issues with all 3 credit bureaus ( Experian, XXXX XXXX  XXXX XXXX ) and requested a validation and to receive the information from the validation. No information has ever been received from any of the three credit bureaus. XXXX list the amount owed as {$4200.00} ... 

XXXX XXXX XXXX and the 3 credit bureaus have ignored all request in regards to updating this information properly. 

See the enclosed attachments ....
Citi Simplicity Card has continually failed to reflect a credit of XXXX in my available balance. My account was closed due to this inquiry and filing complaints. Citi Bank misrepresented the truth by stating that I requested to close my accounts, both Thank you account and Citi Simplicity Card which were in excellent standing. My request was documented by 3 various agencies. I stated the following, " I would be willing to close the accounts if the Citi Simplicity Card was credited the balance. Citi refused to credit the balance and closed the accounts without my permission as the closing of the accounts were only conditional. If Citi was not going to credit the account, then the Thank you account and Citi Simplicity accounts should not have been closed. My accounts are in excellent standing. Thank you account has a XXXX balance ; the Citi Simplicity Card is in dispute with the credit bureas. I was retaliated against by a company with F rating in some XXXX.
I had a discharged bankruptcy in 2008. It is nearing 10 years, and I was told by an attorney to ask for this bk to be removed from all credit bureaus. Some of the bankruptcies are supposed to drop off between 7-10 years. I have submitted a request for removal before on at least one credit bureaus. The other one ( I think XXXX ) requires a 10 digit code from the item listed on the report. That 10 digit code does not exist on the page I was to look it up on. I was unable to create a dispute or a request for that bankruptcy to be removed since I 'm past 8 years and so close to 10 years.
We received a letter from our Bank yesterday ( Friday ) saying that Performant Financial 's subsidiary, XXXX XXXX was going to take money from our bank account. We then tried to call XXXX ; but their offices were closed. The offices won't open again until Monday We have not been contacted by XXXX for anything ; and XXXX has provided not documents showing that any amounts are due that they are trying to collect. 

XXXX is claim that we owe the Indiana Department of Revenue ( " INDOR '' ) ; but we don't owe them anything, and INDOR also has not contacted us nor sent us anything, etc. We don't owe INDOR anything that we know. There is a break-down of due process. 

XXXX XXXX actions seem to violate the FDCPA, and other laws ; including Indiana laws. XXXX seems to be engaged in Unfair, deceptive and abusive business practices. As senior citizens ; we feel that XXXX to trying to pull one over on us.
On XXXX/XXXX/XXXX at XXXX XXXX I was finally able to make a payment to The XXXX XXXX XXXX. I had tried throughout the day and the site was having issues. They posted the payment on XXXX/XXXX/XXXX. On, XXXX/XXXX/XXXX, after receiving my current bill I wrote, since I was charged a {$27.00} late fee and asked to have the late fee reversed since there was an issue with their site. On XXXX/XXXX/XXXX, I received a response from XXXX XXXX stating there were some updates made to their online account and one of the updates was if I needed the payment to post to my account on the same day and it is after XXXX XXXX I could call and they would process the payment for me. But, since my account was closed in XXXX XXXX, they are not able to credit any late fees at this time. I asked why I did NOT receive any information about this according to my credit card contract and wrote back and stated since I had NOT received this update, please credit the account and I was asked to call by a XXXX XXXX on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I called and spoke with " XXXX '' who told me I could NOT have the late fee credited because my account was closed. I explained to her that I NEVER received anything with regard to making the payment over the phone to be credited the same day when it was after XXXX XXXX She proceeded to tell me XXXX XXXX  provided WRONG information a few times and apologized for the bad information I was given ands she would make a notation that I was given bad information.
Hello, In regards to : Name : CREDIT ONE BANK Acct # : XXXX - This item is currently under investigation. You should receive the results of our investigation soon. 

I am demanding that you remove this item from my CR. This has been under investigation for well over 90 days with no update and I have continually reported this as inaccurate. I will be filing another Attorney General complaint against EQUIFAX if you do not comply with my request! 
XXXXXXXX - This account does not belong to me. You have not proven such and again, this Collection account should be removed from my report under EQUIFAX immediately! I did not pay XXXX a dime of my money for any account, because I have never had XXXX as a provider. REMOVE THIS NOW! 

Also, there are a number if Credit Inquires that you have allowed to take place with your company, which no other CRA has been as shady to allow. Your company is horrible! 
These inquiries should be taken down immediately - or you need to supply me with PHYSICAL documentation showing just cause as to why these inquiries are on my report with you. If you can not, these inquiries are to be removed pronto : XXXX - XXXX/XXXX/XXXX XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX
I purchased a new car on XXXX XXXX. The car dealer called Citizens Bank to get a 10 day payoff on my loan, good till XXXX XXXX. The dealer sent the check the next day. When I balanced my checkbook on XXXX XXXX. I noticed that Citizens bank had taken the automatic payment out of my checking account at XXXX XXXX XXXX Bank. I called Citizens and they stated that they did not close the loan until XXXX XXXX. ( stating that they did not receive the check until XXXX. XXXX. ). I told them that I did not believe that the check took that long to arrive. XXXX told me a check was issued to me for the amount overpaid, they deducted additional interest. Today ( XXXX XXXX, ) I called Citizens Bank again and talked to a supervisor named XXXX, because on XXXX XXXX. I received a letter that the loan had been paid in full ( dated XXXX, XXXX ) but no refund check was included. XXXX stated that they hold any over payment for 10 business days after the loan was satisfied and that my check would be mailed out on Wed. the XX/XX/XXXX.. I questioned her about the delay in posting the dealer payment and she first stated that sometimes it takes 3 or 4 business days to post, then she said they did not receive the check till XXXX XXXX I again told her that I did not believe this and asked where is my money. She then stated that they hold the over payment for 10 business days. I asked her why, and she simply said that is their policy. I asked her if I would receive interest on my money and she stated no. I believe that Citizens bank is deliberately delaying the posting of payment and the return of consumer 's money to make additional interest for the bank. If this is not illegal it should be, it does hurt the consumer and is not ethical. My amount of money lost is minimal but if they are doing this on thousands of car loans a month, then the additional interest earned for them could be staggering. I still have another car loan from Citizens Bank and I am afraid when I trade that car in another year I will run into the same problem again.
I looked into cash net usa, and decided against it,, with the interest rates starting at 199 %. I got an email from them saying that my first payment will be deducted on XXXX XXXX. I checked my bank acct and the only deposits I have are from my paychecks form my company. Then it says they are taking out another $ on XXXX XXXX. I didnt apply for this loan, I looked at it and said no. I didnt sign anything at all giving my permission
XX/XX/XXXX Received a letter from XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX, XXXX Account # : XXXX, Notice # XXXX, IL Plate # XXXX, Violation XXXX, Amount Due {$28.00}. The letter indicated unpaid toll violation on the 495/95 Express Lane on the travel date of XX/XX/XXXX and the letter is from a debt collection agency. 

1. ) This was an old license plate number which was discontinued usage in XX/XX/XXXX due to moving to Missouri yet the letter indicates travel date of XX/XX/XXXX. 
2. ) I have never been on 495/95 and did not know it was out east until looking it up. 
3. ) Although the return address on the top of the letter is XXXX, VA ( as noted above ) the Address Service Requested reads XXXX, XXXX XXXX XXXX, XXXX, PA XXXX. 
4. ) May pay by sending in the bottom statement, XXXX, or by phone at XXXX.