WillisBack/dataset-financial-user-claim huggingface dataset:
I applied for payday loan with XXXX XXXX XXXX, agreement has XXXX credit with finance charge of XXXX total of payments {$210.00}, with equal weekly electronic payments of {$12.00} to start on XX/XX/XXXX and final payment of XXXX on XX/XX/2018. However only 8 payments were withdrawn and then stopped and resumed on XX/XX/2018. There was an additional interest charge of {$47.00} added not related to NSF or late fees. On XX/XX/2018 when I went to XXXX XXXX XXXX office and they stated that I failed to make payments and they sent email related on non payment. I did not however receive any emails, phone calls, or letters related to this matter. They also said no payments for 35 days, offered no explanation and declined to give a refund, stating that it was my fault for not making scheduled payment. Clearly the issue was on there side but they failed to take fault. I even spoke to my bank representative and was no attempt from XXXX XXXX XXXX for payments between XX/XX/2018 and XX/XX/2018. Loan company did not abide by terms of contract with scheduled electronic payments
On XXXX/XXXX/16, I checked our accounts with Citizen 's Bank, online, and discovered we 'd been charged XXXX overdraft ( OD ) fees. I 've sent Citizen 's letters in the past concerning these types of OD fees. Before laws changed I was given a few refunds based on my concerns, but eventually responses were " we are sorry but we 've already refunded overdraft fees as a courtesy and will no longer do this. '' Later we received a substantial refund resulting from another court decision. This time I ask for your help. 

I believe my issues with these overdraft fees impact anyone receiving these notices and fees ; it puts customers at an unfair disadvantage. 
1. Information available to me online is presented in the included png image. It shows that the account was overdrawn for less than {$5.00}, but I believe that was the same day I made transfers from another checking account connected to this account when my husband needed to spend more money than I knew was available. He uses this account and I check it often, we did not find any balance problems XX/XX/XXXX-XX/XX/XXXX. 
2. The OD notice, included as a pdf, shows a line on page XXXX called " Items paid from funds available '' with a total but no details. I ca n't begin to understand how this account was overdrawn without those details. This does n't happen often since laws changed, but when it does, I have no idea what the bank sees when it makes these decisions. What was debited? When? When were funds transferred between connected accounts vs. when they showed up on account records? 
3. We opted out of overdraft protection ; we decided we do not want to pay a fee to have checks and ATM transactions available if we do n't have money in our accounts. We rarely use checks and have managed just fine. 
a. This overdraft notice includes a {$19.00} " Outstanding Debit Card Authorization '' that was never authorized. My husband could n't get authorization for that parking fee, so he used another bank 's card. I can provide a copy of that charge. The refusal prompted me to transfer money, but I did n't see an overdraft. The following week he did use the citizens debit card thus the {$19.00} authorization on XX/XX/XXXX. The {$19.00} on XX/XX/XXXX was never authorized. 
b.Furthermore, it appears that the items may include a check - again I ca n't be sure. We believed that not opting for the bank 's overdraft program meant checks would not be paid if there is not enough money available. 

I disagree with these fees. We are aware that we were cutting it close. There are times in life when money is tight. This is one of those times. We have not fully replenished our savings, our backup, since my husband had a XXXX last XX/XX/XXXX. Until we do {$70.00} is not money we can spare based on information we do n't have, but that appears to show items were charged against the account that should n't have been. 

Thank you for your assistance, and I hope the issue that notices like this do not provide details for " items paid from funds available '' is something you will consider as important information that should be provided - for all banking customers. 

Sincerely, XXXX XXXX XXXX
I was using a Citi XXXX XXXX card for years. After a horrible 4-month fraud " resolution '' nightmare in XXXX, I decided to start using a different credit card from my main bank, XXXX XXXX XXXX. 

I called Citi to close my account on XX/XX/XXXX to close the card, as I did not want to pay the annual fee that would trigger on XX/XX/XXXX. They said that they would waive the fee for next year, as they would like for me to keep using their product. Except on the next billing cycle, the annual fee was on the bill. I called to say that I was going to cancel the card, as my wishes were not followed, and they said it was too late and started making threats against my credit score for not paying the {$450.00} fee. 

I told them that I wanted to cancel the card. They would not process the cancellation of the card due to the unpaid balance. I will not pay this fee that they specifically told me I wouldn't have to pay. As such, Citi has  been just adding more fees and interest to this {$450.00} ever month since XX/XX/XXXX. I believe the amount is around $ XXXX, and now they are sending debt collectors after me and my credit score. How do I put a stop to Citi Cards? Please help!
Bank of America refuses to give me consistent and accurate information for removing my PMI payment. Every time I call I get a different requirement for an appraisal or loan to value amount. I have an appraisal they refuse to accept even though all appraisers are supposed to be selected at random and I was told before that it would be accepted if it was done within the last 3 months.
I leased a new vehicle which was financed through GM Financial. My first payment was due XXXX/XXXX/XXXX. 

I attempted to set up electronic transfer from my bank to GM, but GM financial was not set up to accept this payment method. So I had my bank issue a paper check with guaranteed payment to GM by XXXX/XXXX/XXXX. Payment was being sent from XXXX XXXX to XXXX XXXX. 

On XXXX/XXXX/XXXX, and again on XXXX/XXXX/XXXX I checked with GM to XXXX my payment had still not posted. I was going to stop payment but GM told me if my payment would present they would have to charge me a return fee. They suggested I make another payment direct with them. So to avoid any late fees or dings on my credit or the possibility my payment was lost on XXXX/XXXX/XXXX I made another payment. 

On the XXXX/XXXX/XXXX statement it appears both payments posted. However the statement does n't reflect any posting dates for either transactions! I checked with my bank and the original payment sent on XXXX/XXXX/XXXX cleared my bank on XXXX/XXXX/XXXX. This was 18 days after it was sent to GM. 

The fact that it takes over 10 days for GM to process a payment is unacceptable. In addition a statement that reflects no posting dates is also unacceptable. Having been XXXX for 43 years I know there are guidelines regarding these issues. 

I wrote to GM via a survey they sent me on XXXX/XXXX/XXXX outlining these concerns. I did receive a prompt return message to contact them at XXXX. I tried call this number several times. It rings once then there is dead air. 

Can you please look into the above issues. Thank you
The company is XXXX XXXX, I've been trying to contact this company for more than a month because I can't use my credit card and there is credit available. The phone number listed on the back of my card never has a live person available no matter what day or time of the day it is and that is the only phone number available for this company.This company is very sketchy, it is prepaid because I gave the XXXX dollar to open this card about 3 years ago to help building credit and never a credit increase or nothing. Just interest charges for an account that I barely use because is only XXXX dollars. I just want my money back and this account closed.
Whitney bank located at XXXX XXXX XXXX XXXX in XXXX Louisiana refused a lawful method of payment for a vehicle. XXXX XXXX XXXX, the manager, refused to look at documentation provided and refused to read the laws that govern this method of payment. I have tried to reach the president to enforce the transaction be done and have left 2 voicemails. I have yet to hear from him. I am also considering taking this to the media as well. I am under UCC laws and am a private investor. I currently have an account at Whitney, but I believe I will do my banking elsewhere.
XXXX  has been non-compliant with removing the unverified account BANK OF AMERICA XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX   have both completed their research and determined that BANK OF AMERICA was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
The XXXX XXXX XXXX billed me for {$120.00} in late XXXX and I never knew about this charge until a few months later when apparently a collections agency, California Business Bureau, was put on the case. When I finally heard from the California Business Bureau in XXXX XXXX, I paid off the debt immediately in full. I had called them last week regarding this affecting my credit almost 4 years later as it was never disclosed that this would affect my credit score and, as a result, there was no disclosure that I had the right to dispute this affecting my credit. When I called, I was put on hold over almost an hour, just to get a representative who was extremely accusatory and said that they had sent a bill to a particular address. This address was NOT correct, and was a version of my address with typos in it. The representative was aggressively asserting that I must have gotten their bill since they did n't receive any " return mail '' but I know that is impossible because she did n't even have the correct address on file for me. In addition, she said they made several attempts to call. I never received any phone calls or voicemails from anyone telling me that they were calling to collect a debt for the XXXX XXXX XXXX. I am not going to stand for my credit being affected by XXXX points just because this debt collection agency could n't get my address right or properly make contact with me when billing me. It 's clear that the way this collections agency handles business is extremely unprofessional as illustrated by their numerous negative XXXX and XXXX reviews. I was told by the XXXX to contact the XXXX XXXX XXXX XXXX XXXX and I wanted to make sure that everyone knows this is the manner in which they conduct business -- affecting your credit score for years after a mistake on their end, just to insist they were not at fault and berate you on the phone after putting you on hold for an hour.
I have disputed this bankruptcy countless times. Equifax keeps reporting this bankruptcy but they will not give me any documentation that states how they determine that this bankruptcy belongs to me. The federal courts do not give out Social Security number 's so I want to know how this Equifax keeps determining that the Bankruptcy belongs to me.
I am unsure as to where this is furnishing from and why, but I noticed on my credit report 3 separate amounts reporting XXXX, XXXX and XXXX. I never received a bill for this at all, nor am I aware as to where this is furnishing from. I then found a bill with a single item of XXXX which is the sum of these three amounts. There is no itemization whatsoever on the one bill received. Again, I still don't even know what this bill is. However, why is a single bill being reporting as three separate items to my report. Is any of this even legitimate.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXXXXXX XXXX XXXX, XXXX The above property was built by XXXX XXXX in XXXX in XXXX XXXX XXXX XXXX sale was transacted in XXXX XXXX then re-sold to a XXXX owner in XXXX XXXX. After 6 years, sink-holes appeared around the property causing the owner to vacate and foreclosure commenced in XXXX XXXX. 
I unknowingly transacted the XXXX sale of said property in XXXX XXXX. The property was appraised and inspected by XXXX XXXX XXXX and there were no sightings of sink-holes. 7 years later in XXXX, I have encountered the sink-holes appearance at the sides and rear of the property. The listing agent, XXXX XXXX XXXX XXXX, XXXX and/or Suntrust Mortgage Bank, failed to disclose this problem before the property was sold. They were the companies involved in listing and preparing it for resale. 
XXXX XXXX XXXX ( homeowner policy ) sent an engineer to analyze the problem. It was determined that the property was built on a trash pit which has decomposed causing an XXXX horizontal hollowness below the slap. The right rear of the building is presently XXXX '' lower and the left rear is XXXX '' lower from the original dimensions. There were no sewage leaks. Kitchen tiles are cracked and using the back door is hazardous because one XXXX step out into a sink hole. The rear right corner of the building is supported by air ; piers were omitted during construction so gravity is in process on the structure. Decomposing waste is buried under my home! It is affecting the structure but what about contaminating my health! 
My neighbor next door, XXXX XXXX, one of the first residents to occupy a home in the sub-division, witnessed the dumping of trash on my property during construction and also saw large openings in the ground during the residency of the XXXX owner. 
XXXX XXXX XXXX denies this claim. I was informed that policy coverage is for structural damage only not soil. I am retired ; did not foresee this calamity, and must make the costly repairs. Absence of costly repairs will terminate insurance coverage and I will have to vacate. 
This is unfair business practice. Due diligence should be a requirement for businesses. 
Please advise me what steps to take to safeguard my asset and be compensated for the costly repairs. 
I would appreciate your help. 

Thank you XXXX XXXX
On XXXX/XXXX/XXXX, Equifax informed me of a data breach and told me I was an individual on the list of potential victims of a data breach that occurred over 1 month ago. There was no valid explanation for why it took over 1 month to report this to me, as the consumer. Upon calling the company multiple times inquiring as to whether or not my data was compromised, I was told again and again that they do not have this information. All I am able to find out is that I " may '' have been impacted. I have now had to go and spend a good chunk of my day checking all of my reports, verifying all of my accounts, changing all of my passwords, and so on ... for a " may '' have been impacted scenario. This is a company that I trust ( whether I want to or no ) to properly handle my personal and financial information. I would have hoped to have been properly notified when this breach occurred, as opposed to a month later. I would also have hoped to have a definite answer before going through this trouble.
American Express needs to refund me with a charge for which I did not receive acceptable service. The American Express 's internal dispute system is not working properly, customers ' disputes just disappear after a customer wasted a lot of time on filing. So I file a dispute here instead. 
I dispute a transaction of {$31.00} from XXXX as of XX/XX/XXXX. The service was scheduled to be rendered to me on XX/XX/XXXX, but instead I was humiliated by the service provider. So I need a refund regardless of what XXXX offers - they just want me to accept XXXX credit, so basically XXXX is trying to upsell on me. I also claimed the refund from the service provider itself - XXXX, but they disregarded.
I have opened an account in XX/XX/XXXX acting on solicitation from the BMO Harris bank promising {$200.00} opening bonus. The account was opened in the XXXX XXXX, IL branch and when I was asked by the banker for my profession I declared to be self-employed and getting paid by assignments ( copy writing, translation ) etc. 
Subsequently I have received two direct deposits ( XX/XX/XXXX, XXXX and XX/XX/XXXX, XXXX with another one coming this week ) and when I again inquired at the branch I was told that the qualifications were met and the opening bonus will post in XX/XX/XXXX. Last week I called and I was told by BMO Harris employee that the bonus will not be paid since the direct deposit were not payroll or other govt benefits. 
Questions : 1 ) since I am self-employed and getting paid on assignment base why was the mailing directed at me since I wouldn't have qualified, according to BMO 's own opinion on the offer? 
2 ) why the employee at the branch have accepted the offer and reiterated its validity to my situation and why was I informed that the bonus will be paid in XX/XX/XXXX? 

It is apparent that despite meeting the monetary threshold of the direct deposit ( {$300.00} ) the bank doesn't want to honor its own offer suggesting that my deposit wouldn't qualify anyway. It is not only a circular logic argument but it is deceptive with intention to deceive.
In late XXXX of XXXX, I noticed several open and reporting accounts on my credit report that I never received any notices about. During the process of investigating these debts, I sent a Debt Validation letter to XXXX   XXXX XXXX. This letter was dated the XXXX of XXXX, XXXX, and was received by a Ms. XXXX XXXX on the XXXX of XXXX, XXXX. 

It is now the XXXX of XXXX, XXXX. After almost three and a half months, this debt collection agency has had ample opportunity to not only respond to my request, but to investigate it themselves and, as my Debt Validation letter stated, cease reporting on the account until all investigation is complete. This account is still open, reporting, and I have never received any communication from XXXX XXXX XXXX regarding this debt or their attempt / willingness to investigate it.
In XX/XX/XXXX Equifax reported and deleted a collection for {$310.00} held by XXXX XXXX which was for XXXX. In XX/XX/XXXX, I returned the equipment which settled the closed XXXX account. I had to jump through many " dispute hoops '' to get it deleted in XX/XX/XXXXbut it finally was deleted. In XX/XX/XXXX, XXXX XXXX reported the same account from XXXX which had been settled and closed. Now I am jumping through hoops again to prove that I ( 1. DO NOT HAVE A CONTRACT with XXXX XXXX and owe them NOTHING 2. HAVE SETTLED account with XXXX ).
CRA and HIPAA violations. I have no knowledge of the fraudulent collection activities on my Transunion credit report. FTC Identity Theft Report No. : XXXX.
I informed DCM Services that ( 1 ) The person owing the debt has XXXX and his estate is broke. I gave them the name and phone number of the Attorney handling his Estate for Probate/ informing DCM the above information in late XXXX, 2017.
( 2 ) During at least 2 phone calls DCM made to collect the debt, I informed them the estate has no money to pay these bills. I also reiterated that I had hired an Attorney to settle his Probate.
( 3 ) In XXXX, 2017, I received 5 letters attempting to collect balance due.
( 4 ) Attorney representing this Probate case has informed me that she, too, continually is receiving notices of this debt owed by the XXXX.
On XX/XX/XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX added the following unauthorized charges to my credit card account in the amount of {$3700.00} during transaction : The following items have been marked on as Not Receivedmeaning items were not requested for purchase, but appeared on an unsigned invoice and physical product was not given or sold to customer. 
1. XXXX XXXX XXXX XXXX {$270.00} 2. XXXX XXXX XXXX {$240.00} 3. XXXX XXXX XXXX  XXXX {$100.00} 4. XXXX XXXX XXXX XXXX XXXX {$190.00} 5. XXXX XXXX XXXX XXXX  XXXX {$190.00} 6. XXXX XXXX XXXX {$170.00} 7. XXXX XXXX XXXX XXXX XXXX {$2000.00} 8. 
I contacted XXXX XXXX of XXXX via phone who assisted me during my visit at the store. I made the call on XX/XX/XXXX at XXXX at XXXX to let him now the issue with billing. He told me that that I am mistaken and was not receptive to my explanation. The following are dates and times I called XXXX in an effort to rectify my being charged for merchandise I was never sold : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX The Merchant refused to assist me and denied any wrongdoing. 

At this point I initiated a fraudulent dispute claim with CapitalOne Credit Card ( this was the card used for the transaction ) CapitalOne Credit Card provided me with documentation that XXXX  have provided to support their case for valid charges on my account. Upon reviewing the documentation submitted by the merchant, XXXX located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX it became apparent that the copy of receipts presented fraudulent signatures that were duplicated Im two separate days and in two separate timestamps along with falsified subtotals.

CapitalOne Credit Card sided with the merchant an overturned my fraudulent dispute claim in their favor despite the obvious falsified documentation submitted. 
CapitalOne customer service informed that despite the documentation submitted by the merchant present as falsified, XXXX is the one that is accepting the merchant documents that includes falsified signatures and timestamps, dates and incorrect subtotals.
the company refuses to supply a physical bill despite repeated requests. They have threatened to sue me and are requiring charge for any type of request.
Because of their terrible services, I cancelled XXXX cable/internet services on XXXX/2014. I paid it off and turned to XXXX ever since. It 's been about three years that they keep harassing me by sending me a bill of {$120.00} which I DO N'T OWE. I have provided them the evidence and documents according to which I do n't owe them a penny, but they keep sending the same bill via a collecting company. This has impacted my credit score and I want to buy a home. Please help me get rid of them.
I applied for a loan with a bank " XXXX XXXX '' and was given poor credit score, which XXXX XXXX said they got from Equifax after I had them go back 2x to review their files. When I inquired with Equifax on XX/XX/18, I was not given information I requested. I was told they can not give me my credit score. I went through 30 tortuous minutes of identification and they had my wrong address even though I've been living in the same house for 15 years and dozens of credit accounts. After I spent half the time identifying myself and the other half trying to resolve, I was told that they had looked at my file and COULD NOT identify anything derogatory in it. This stemmed from all my credit score monitoring saying me I had a scores north of 780 and Equifax reporting that it was XXXX. I requested to speak with a supervisor since they would not give me my score or resolve the discrepancy. As of the submission of this complaint, I have been on hold for 1.5 hours and counting ... ... This system is wrong, broken, and another symbol of big Corps controlling the process and the rules to the detriment of the citizen ... .Please have someone respond to me to tell me what can be done about this extremely poor service and I can not resolve why Equifax gave the wrong creditscore to a lender and I can do nothing about it!!! thanks.
Customer service at XXXX XXXX onXX/XX/XXXX is extremely rude and should be fired. They can not even answer a simple question. System is down, I paid for online service and not receiving it. They should offer a discount or credit, for not contractually filling online service contract, and being a fraud.
I called in and got put on a repayment plan to get caught up on my mortgage payments over a 6 month period. I received a letter shortly after that advising me the program I was put on was not valid. I called and asked them why would you put me on a program if it was not a valid program to get me caught up. The customer service rep would not let me talk and kept advising me I needed pmts prior to what I had set up. At that time I requested a Team Leader to try and talk throuth the situation