WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, 2016, i call American Express Serve to report a transaction i did n't recognize, XXXX told me that they would do an investigation and get back with me. On XXXX XXXX, 2016 i was about to pay for breakfast with my card and it declined. I check my balance and my payroll deduction was there {$950.00}. I called XXXX and was told that i was issued another card and that the XXXX i had was closed, and that i had to wait until the new card arrived. I was due to go on a trip the next day. I had to borrow monies to take this trip because i could n't get my monies off my card. When i returned from XXXX TN i had learned that my card had not arrived I called XXXX an demanded that they do a XXXX XXXX so that i could pay back the monies that i borrowed they stated that they would do this one time and it would be done the next day. I had requested this to be done before i went on my trip i was told that they could n't do it. I received my money on XXXX XXXX but i still had not received the card i needed it because my next payroll deduction was to be placed on XXXX XXXX. XXXX needless to say XXXX decided to issue me another card on XXXX XXXX so here we are waiting yet another 10 days for my card to arrive I was told it would arrive today XXXX XXXX, 2016 my monies are still on the card. I 've had to prolong paying some of my bills because of this delay. When a person has monies on their cards there should be some kind of policy where it 's treated like an emergency and instead of XXXX to 10 days to receive a new card it should be overnight or XXXX to 2 days people are being put in hardship for nothing. I had have removed my payroll deduction to another bank but i will only use XXXX for minor things like online shopping. I will never get put in this position ever again.
I have an account with Wellsfargo and I was charged an overdraft fee of {$35.00}. 
First all of my bank accounts have a savings connected to it for overdraft protection, which the representative claims was not active. I check my balance DAILY and on the XXXX, XXXX and XXXX I did not show a negative balance of any. 
Suddenly XXXX XXXX I get an email stating I am being charged {$35.00} for an overdraft fee. As I am going through the postings.. .transaction that showed pending XXXX the XXXX were suddenly showing posted as of XXXX the XXXX. I want this overdraft reversed as it is completely wrongly charged.
I opened a bank account with them several years ago. I asked for help by email regarding my account to update and either close it or use it. I have not heard back from them by email or phone as I do recall giving them this information a week ago. That may be why I left them do to lack of communication skills. I never deposited funds in the account that I am aware.
I contact Ford Motor credit and have sent them documentation to show that I was not the one that opened this account. They have refused to assist me and getting this matter resolved. Ive sent them all documents that they requested. I even called and was told that a letter was sent to me requesting additional information but they sent it to the fraud address.
The company, Synchrony Bank, has a 23 day billing cycle that creates a " dead week ''. The payments made during that week are applied to the previous month 's balance, but not in time to stop a late fee. The payments made during that week also do not create a credit on the account, therefore it does not count towards reducing the next month 's payment either. Today, when asking about this practice ( XXXX at approximately XXXX XXXX EST, ) a young woman by the name of XXXX was condescending and rude. Asking " Since I can not magically change our billing cycle, is there anything else you need? '' It seems to me that this " dead week '' is a business practice set up to rip people off by creating late fees and balances where none would exist if the overage were applied to the next month.
On XXXX XXXX XXXX XXXX XXXX Litigation Specialist for Bank of America sent a letter stating that the letter we sent in response to the right of rescission found in TILA does not apply to purchase money transaction and reviewed to be that the proceeds of the loan enable us to acquire our subject property which was alleged to be consummated in XXXX XXXX we then are perplexed by the signing of the loan at that time since we have never refinance the home since our purchase date of XXXX XXXX who then signed the documents represented on our behalf. We understand that the mortgage instrument is a statement that real property is collateral for the faithful performance under the note. If the maker of the note fails to perform then the collateral can be sold to satisfy the balance due on the note. But without a valid note that memorializes the terms of the debt, the mortgage is collateral for an obligation that does not exist -- - unless the note is improperly sold to an innocent third party who pays value, in good faith without knowledge of the maker 's defenses. That bona fide third party is protected under the law. 
If the maker executes an instrument that is defective in some way by reference to parole evidence ( outside the assertions made on the note ) then the third party can enforce the note against the maker despite the existence of otherwise valid defenses of the maker of the note. For anyone other than an innocent holder in due course, the burden is on them to prove that the note was merged with the debt. 
So the questions that we need to be answered are these since the issues have not been addressed for those who have pursued foreclosure have used legal presumptions in a twisted way -- - arriving at the conclusion that a debtor need not know the identity of the actual creditor in order for the obligation to be enforced.Our title concerns are that according to the documents provided by Bank of America N.A, is being researched almost monthly so questiondid you hear or see any evidence that identified the party to whom the payments from the borrower were forwarded? 
If not, why did you assume that such a party existed and had authorized the parties in court to act on collateral for the benefit of the real creditor? 
did you hear or see any evidence that connects the real creditors with the parties who appeared in court? 
If not, why did you assume that such a connection existed with an unidentified entity? We continue to challenge the bank to explain to us how the chain of title is so imperfect and appears fraudulent The bank says that the modification offered would amount to XXXX to a new projection of XXXX what happen to the payments of 15 years XXXX XXXX XXXX
I have money missing from my checking account between XX/XX/XXXX thru XX/XX/XXXX. They are money transfers that I did not make. As a matter of fact, I have never made a money transfer.

The dates and amounts are as follows : XX/XX/XXXX {$300.00} XX/XX/XXXX {$4000.00} XX/XX/XXXX {$2000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$3000.00} XX/XX/XXXX {$6000.00} XX/XX/XXXX {$3000.00} XX/XX/XXXX {$3500.00} XX/XX/XXXX {$5000.00} XX/XX/XXXX {$2000.00} XX/XX/XXXX {$5000.00} XX/XX/XXXX {$5000.00} XX/XX/XXXX {$24000.00} XX/XX/XXXX{$2000.00} XX/XX/XXXX {$1600.00}
XXXX XXXX provided us internet service for a little over a month in 2014. A subcontractor picked up XXXX pieces of XXXX XXXX equipment shortly after we discontinued service. At no time were we told that we needed to have either a copy of the work order or the receipt. Approximately 2 years later we received a letter from XXXX XXXX saying we owed {$150.00} for equipment. I called them and they asked if the contractor had offered us a receipt. He had not. He obviously had not followed procedure. After 7 months and repeated calls they finally found the work order but insist that we produce either a copy of the work order or the receipt. We have received 4 messages from the Credit Protection Association demanding that we pay " now. '' At no time were we informed that we must have a copy of a work order or a receipt and XXXX XXXX waited almost 2 years to ask for the {$150.00}. Either someone walked with that equipment or they have it some place. I question waiting almost 2 years to send us a notice that they did not have the equipment. At the very least XXXX XXXX should inform consumers that they are to receive a receipt if equipment is picked up to be returned to XXXX XXXX.
On XXXX XXXX, 2017, XXXX, California Wells Fargo Bank Representative, XXXX XXXX said that a {$100.00} bill that I presented at the Bank looked counterfeit because, " It does not have the security strip and ( he ) could not feel the raised marking on the bill. '' He confiscated the {$100.00} bill and had teller XXXX XXXX # XXXX fill out a receipt that did not contain the bill 's serial number or any other marking that would attribute that specific {$100.00} bill to me. <P/>I challenged XXXX XXXX because i had reviewed the bill and noted that it was an older, worn {$100.00} bill that was printed prior to the insertions of the security strip, but the paper was checked out as good and there were no bleed through indications that it had been printed from a lesser bill. XXXX XXXX agreed with this but said that since it did not have a security strip and he could not feel the raised markings, he was going to confiscate it. Then he became a jerk and said that he did not have to give me anything other than the receipt and tried to bully me saying, " I thought you checked the bills ''. <P/>On XXXX XXXX, 2017, I filed a claim # XXXX with Wells Fargo Bank. On XXXX XXXX, 2017, I spoke with XXXX at Wells Fargo Bank complaint division who said the previous complaint had been closed out with the previous representative stating that the XXXX Branch Manager would call me. I never received any call and my caller ID would indicate it I had. <P/>I filed a second complaint on XXXX XXXX, 2017, Claim # XXXX with XXXX who later called me back to say that the XXXX Branch Manager would contact me. Again, I have received no call from the XXXX Branch Manager. <P/>As of today, XXXX XXXX, 2017, I have not received any communication from the XXXX Branch Manager, Wells Fargo Bank, nor have I received my {$100.00} back
I received a voicemail stating that a process service was attempting to serve me for a Notice to Appear. They left a phone number for me to call back to schedule the process server. If I did n't the case would proceed without me. XXXX XXXX XXXX or XXXX XXXX ( I called multiple times, it kept changing ) answered. I gave them the number that was left onmessage. XXXX and I scheduled a time. I asked him what this was in regards too. Thinking I was talking to a process server scheduler. At no time was I told this was a debt collector. He tells me it is for a tax refund offset that they filed for. He then proceeds to tell me I can settle and avoid the hearing. I am frantic at this moment, busy at work and not wanting a process server to come to my job. After he again told me that I was being given a notice to appear ( also on VM ) I make an offer. I still did n't know what this loan was or if I even owned jt. I was given very little information. I was scared. He tells me to make an offer. I was again thinking I was being sued. So I made an offer. I called back, sign contract and gave payment information for {$730.00}. The contract comes over from Bayview collection agency. I have NEVER heard of them. I then proceeded to look up informatiom on them and I got very bad reviews. I then called out Magistrates office and they said there is no lawsuit. I then call XXXX back. He hung up when I asked who he worked for. I called again and left a message and asked for a letter of validation and that I had concerns about the legality of their methods. No response. I do n't know this company, I never received information from them. I have no Debt on my credit report for this acct.
I have received multiple calls from target red card services. I advised the rep if they would waive the late charge then I would pay off the full balance. The rep refused since I had been past due on my account. I discontinued call then on XXXX/XXXX/15 I spoke with a rep who refused to do the same. I said something off subject not offensive or rude or containing fowl language. He advised that we should conduct this phone call in a mature manner. I replied then hung up. i called back to ask for a manager and got XXXX employee id XXXX. She refused to allow me a manager XXXX in total. This is after advising her of my concern and request to waive late charges. She declined the request also. I advised at that time they no longer had permission to contact me on XXXX since it is a cell phone and they use an autodialer. She refused to remove the number based on the fact that satisfactory arrangements had not been made and my refusal to provide her with another number. I do n't have a non-cell phone number to provide her with since I ca n't have calls at work. My spouse is about to be laid off ... this is undue stress over XXXX dollars. She refused a supervisor stating that she was an account manager misrepresenting her position level. I advised the employee XXXX that is a title for a glorified CSR AND that I knew the law and fully intended to include all in a CFPB complaint. She advised that I would still get manual calls to my phone so I provided her with the number of XXXX since she continued to refuse to remove my number. I advised that it is a punishable fine or them to continue to call to which she continued to reply that no .. refusal to remove and so on. Please investigate this claim. This is ridiculous and these employees are misrepresenting themselves as managers and refusing manager or supervisor. In addition to refusal to remove my telephone number from their system which in fact a cell phone.
I wrote to the federal courts to ask them when and what did they report to transunion about bankruptcies report on my credit report. Received a letter back from the courts stating that they do not report and thing to the credit bureaus and they do not verify and thing to any one that could possibly be reported on my credit report. Upon disputing the XXXX bankruptcies reported on my credit report i received a letter from transunion stating that they verified each bankruptcy and there is no change.
XX/XX/XXXX From : XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX ; Home Tel. XXXX To : Consumer Financial Protection Bureau Ref : Wells Fargo Credit Card No. XXXX XXXX XXXX XXXX ; Unable to Get Hard Earned Reward Points Dear Sir or Madam, Wells Fargo ( WF ) bombarded us with the WF Credit card applications. We were not interested in more cards. Finally, I applied for it and start using the card to get the rewards as promised 5 %. On XX/XX/XXXX, XXXX ( XXXX Nevada ) told me that my rewards will not be at 5 % ( only for 6 months a fact concealed nicely ). She also told me that reward points will expire on XX/XX/XXXX. This came as a shock since WF did not state this during the application process. I then asked her to send me a check of the remaining reward points ( balance about {$20.00} ) and then cancel the card. She refused to do that since the reward balance is less than 25 can not be given. I stated that this is a special case in that WF lied to trap me, or at least withheld important information. Further, she told me that cancelling the card will forfeit all the reward pints. She then said that someone from the executive office will call. 

On or about XX/XX/XXXX, XXXX XXXX XXXX called but refused to release my reward points ( ref : XXXX ). 

This is not fair nor it is legal to deceive customers by perpetual cajoling to get their card and then not pay the reward legally earned. It appears that WF is still involved in unethical and shameful practices. Dishonesty is deeply ingrained in WFs culture. We are helpless senior citizens and ask you to assist us in this matter. All we are asking is to get our earned rewards. 

Sincerely yours, XXXX XXXX Home : XXXX
Sunday XXXX XXXX 2018 at XXXX - I get an email stating my order for XXXX $ worth of BCH was canceled by one of my debit cards on file with coinbase Sunday XXXX XXXX 2018 at XXXX - I get another email stating that my order for XXXX $ worth of ETH was filled in the amount of XXXX ETH Sunday XXXX XXXX 2018 at XXXX - I receive yet another email from coinbase stating that You have successfully sent XXXX ETH ( worth {$760.00} USD ) to XXXX using Coinbase. 

Now at this time I was nowhere near a terminal to make these transactions. The person/persons that ordered the ETH on my account sent the entire sum of my ETH including the XXXX ETH I already had in the account off of Coinbase in a matter of 4 minutes leading me to believe it was done through there api
went to XXXX in XXXX was pushed into loans wich i thought were loans i didnt have to pay back i attended for a couple months with substitute teachers not real ones wich i was paying for never graduated from dropped the the program now years later im in default because they took the money from theses loans when i never attened clsses for because i dropped out. so i owe them tons of money for a education i never got
I opened a paper statement for my One Main Financial personal loan for first time in a while and noticed a Fee for NSF in the amount of {$25.00}. I did n't understand this since all of my payments are direct debit each month and my checking account has overdraft and I had n't received any Past Due notices. I also do not typically open paper statements. But this time I did. The statement looked funny to me because there was reference to the {$25.00} NSF Fee, but my Amount Due and Past Due Amounts were {$0.00} ( Statements Copies Attached ). I went online and reviewed my statements for the past year and the same Fee for NSF in amount of {$25.00} was on the statement for each month in the last year+. I checked with my bank and all payments had cleared. I called the customer service number and the rep, XXXX, indicated that there were no NSF 's on my account. She pulled transaction record back to XXXX XXXX and finally found a Fee. I believe this is the same time-frame that this account, previously Spring Leaf converted to One Main Financial. She said I never paid a Fee from XXXX XXXX, I asked her why my Past Due Amount shows {$0.00} on all my statements. She did not have an answer. I said, lets pay the Fee and it should n't show up next month in Transaction history. We started to process the {$25.00} payment and then she said, she would waive the Fee since I had never had any payment issues since the loan was opened. 

My concern is that this fee has potentially been included in the interest charges calculation, or possibly in the monthly payment posting amount that gets credited to may account has not been correct and an extra {$25.00} is being charged as Fee versus going against loan principle and/or maybe even caused my APR rate to increase for non payment. I had commented in the past to my spouse that it seemed like the loan balance on this account has n't been going down very fast. 

This is not clear and concise reporting of Rates and Fees as per UDAAP or Regulation Z. Please take a look. Thanks -- XXXX
This alleged debt was previously reported and disputed with another collection company and subsequently removed from my credit report. This company has sent no notice to me that they have the debt or of my rights to dispute. They simply re-aged it and put it on my credit report as a new collection. I only became aware when my credit monitoring service alerted me of the new listing.
Already dispute with experian. They will not let me dispute again, said they already investigated and will not reinvestigate.
This is an original account fro m Chase en ding in  XXXX .   The debtor,  XXXX   XXXX , is in  a skilled    XXXX   XXXX   receiving  XXXX  and thus is not able to make payments or pay the debt at all.
On XX/XX/XXXX I opened my XXXX XXXX account to see a closed collections account. The company, " CREDIT MANAGEMENT LP '' was reporting that I had an account with them related to XXXX beginning on XX/XX/XXXX. I never received any notice of this debt. I never paid this debt. This debt was never verified. I also had changed addresses during this time period, and kept an open account with XXXX the entire time. I have tried to dispute this account via other means without success.
I have a credit inquiry dated XX/XX/2017 from XXXX that I did not authorize.
My XXXX credit report is showing a charged off account with Citicards CBNA. I have never had a credit card with this company and I know nothing about this account.
On or about XX/XX/2018 I changed the terms of my loan repayment ( I made it such that I was able to keep making payments at around {$120.00} for the next two years as I had been doing already rather than having the payments increase ). Since then, Navient has called and emailed me constantly telling me my loan is due. I make my payments timely ( they are automatic ). I've made 3-4 requests to the company to opt out of communications but they ignore my requests. I feel this is harassment to continuously contact me when I am already making timely payments. The dates Navient has contacted me include : early-XX/XX/2018 - via phone : automated recording ( I have an " important message regarding my loan ''. When I called Navient told me I had an upcoming payment. My payments are due on the XXXX of every month ).

XX/XX/18 - via email - " We haven't received your loan payment - please make it soon '' ( again, my payments are due on the XXXX of every month ).

XX/XX/18 - via email. " Thank you for your payment, it posted to your account. Amount is {$120.00}. '' XX/XX/18 - via email. " Your student loan payment is due. Your last payment was made on XX/XX/18. We're sending you this payment reminder. '' I called Navient in or around late XX/XX/XXXX requesting to opt out of all communications. I spoke with a woman who told me that I wouldn't receive any further communications.

XX/XX/18 - via email. " We haven't received your loan payment - please make it soon. '' The email explains ways that I can pay.

XX/XX/18 via phone : automated recording ( I have " important message regarding my loan ''. When I called in a male rep told me I had an upcoming payment. When I asked to speak to a supervisor I was on hold for 30 minutes, got hung up on and no supervisor ever came.

XX/XX/18 - via email - " We've sent you information about your loans that are past due. '' XX/XX/18 - via email - " Thank you for your payment. Date posted XX/XX/18, {$120.00} ''.

XX/XX/18 via email - " Your student loan payment is due. Your last payment was made on XX/XX/18.

XX/XX/18 - We haven't received your loan payment, please make it soon. '' XX/XX/18 - Called Navient and spoke with a male customer service rep. He confirmed my account is current and not overdue. I told him about these issues and he advised he is taking me off the email and phone lists. It wasn't done before.

I want to ensure moving forward Navient actually removes me from their lists and I won't be harassed by Navient in the future for payments on my account since my account is current.

Thank you for your help.
I am a victim of identity theft and identity fraud. After viewing my credit report, I recognized the inquiries on my report that I did not authorize. 

Creditor : XXXX Inquiry date : XX/XX/XXXX Inquiry date : XX/XX/XXXX
I have a loan with Wells Fargo, they are reporting it 30 days late, when they kept rejecting the payment from the bank. The account I have, has no check, so I am forced to pay it electronic. When I called them they told they have no clue whats going on. I finally paid it over the phone, but they still reported it 30 - days late. Their lack of communication and assistance was horrible. In addition their web site was of no help. It does not work half the time and they give you incomplete information. They do not seem to understand how to help on the phone with these issues. Even my bank XXXX advised me that they should be able to take the payment and they were of no help to their Bill Pay Department. Instead they try to force you to pay the amount over the phone and incur a fee.