WillisBack/dataset-financial-user-claim huggingface dataset:
I had a levy from a debt collector and law firm that is based out of XXXX, placed on my Bank of America Accounts. The levy placed was illegal due to I no longer reside in the state of XXXX, but do reside in XXXX and it is not within the statue of limitations. The levy was released, and only half my money was returned. BOA refuses to give me back a {$120.00} fee charged to my account when this action in the first place was not lawful
My account was opened in XX/XX/XXXX with over {$100000.00}. After a year I decided to move this money to another account. I was not told that if I wanted to keep this account I would have to pay a {$25.00} fee monthly. I was told that as long as I had any accounts with the bank, such as checking, credit cards, etc. amounting {$10000.00} I would not be charged a fee. I do have this. 

In XX/XX/XXXX I noticed that I was being charged {$25.00} fee. I called ( XX/XX/XXXX ) and was told my XXXX XXXX that it was a mistake and a check would be sent to me within 5-7 days. I closed the account. That did not happen, called again XX/XX/XXXX, told the same, but still no refund. Called approximately three weeks later, told I would not be getting any refund, not would they make the account information available to me, even after I told them I needed it for Income Tax purposes. I request the {$25.00} as promised.
I had a bad case of Idenity theft and my police number is XXXX when this happen they even had me marked as Deceased! I had to get everything reactivated this Collection agency Security Credit Services for XXXX XXXX? a Merchant account? for {$200.00} open XXXX/XXXX/2015 then closed XXXX/XXXX/2015? Not my account this was fraud please remove. also This company was very rude.called my job and told a cowarker i owed money.
I sent a dispute requesting that the account for XXXX XXXX ( XXXX ) that was sold to : XXXX XXXX XXXX XXXX XXXX be removed from my credit report from XXXX, XXXX, and Transunion. The account is past it's time statute limitations of 7 years, it was opened XX/XX/XXXX and last updated in XXXX so the account was not validated, please remove this outdated account from my credit reports
Months ago, I lost my credit caard and the account was closed. A new card was issued. Discover advised I overpaid the first card XXXX. They advised they would send me {$60.00} refund. It never arrived, so I called them. They said they will send me a new refund check. 

I was out of town, and upon return, finally I received the one check from Discover to XXXX XXXX XXXX for {$60.00} issued XX/XX/XXXX. routing XXXX check XXXX # XXXX in top right corner it states XXXX under corner states : XX/XX/XXXX I deposited the {$60.00} in my XXXX XXXX   account XXXX on XX/XX/XXXX the check was received by XXXX XXXX. 
On XX/XX/XXXX by US post gave me an envelope from XXXX XXXX  stating STOP PAYMENT Return reason : stop payment. Internal seq # XXXX Deposit date XX/XX/XXXX I phoned XX/XX/XXXX and three personnel answered, but the first couple were clueless of what to do. The supervisor XXXX in customer service in XXXX Arizona, team number XXXX advised the stop was because I called to advise I neer received the check. 
I contest, that yes, the first check was never received, so OK, to stop it, but the agreed to then send me a new check. 
SO, this is the replacement check, and it should have funds. 
BUT IT HAD NO FUNDS< because Discover had also put a stop to it. 
I never received any other {$60.00} refund Now, XXXX charged me {$12.00} return check fee. 
I asked XXXX to a ) send me the {$60.00} again, or b ) deposit it in my DISCOVER CARD account, so It goes directly to my card, and reduces my card by {$60.00}, but he said he can only send a new check. 
I asked to please refund the {$12.00}, as this was the check that they promised to send, and when I received it, I trusted it had no stop payment to it XXXX refused to refund the {$13.00}, and when I was irate, he told me he won.t send me the refund OR the additional {$12.00} and proceeded to hung up. 

I hereby request they refund my {$60.00} or put it back in my credit card, PLUS refund me the {$12.00} they uncured me because they did send me a new check, but this one too was stopped. I never got any other prior or after, so this is the only one I received, and trusted their word that they would send me my refund WITHOUT a stop payment, but they don't care, and they are rude and hang up instead.
On XX/XX/XXXX/XX/XX/XXXX my debit card was stolen while on a work trip in XXXX, New York In addition it was my contention that the thief was able to get my PIN. That thief, used the card throughout the XXXX XXXX XXXX area, charging up almost {$3000.00} dollars at 30 various different drug stores over a 3 hour period, making cash back purchases in small increments on average of {$50.00} dollars. I reported the fraudulent charges to the bank as soon as I became aware, as did my wife who is joint on the account. I filed a police report in XXXX XXXX XXXX and XXXX XXXX, CA, my place of residence. Upon review the bank rescinded the credits to my account and stated their judgement was based upon inconsistencies with my and my wife 's statements. As i mentioned to the back, I was not aware of how it was stolen, but merely giving them suggestions on who might have been the perpetrator. The bank investigators did n't not put forward a good faith effort to follow up on this claim, nor did the bank hold up their fiduciary responsibility to protect my debit card from this clear fraud while it was happening. Furthermore, while I still have an active police investigation, the bank has already rendered judgement. This matter will be resolved in civil court if I ca n't get the protection of the Bank in regards to my FDIC protected money. I wish to report the bank, the claims department and its management for gross negligence in this matter and I hope the CFPB can help me gain protection from a banks disregard for its primarily responsibility to protect my money
I called regarding the message left on our home recorder that people heard in the room concerning a debt. they stated they were a debt collector and continued with the mini maranda. i calledXXXX XXXX and they said that i wa reposiable for his bill that we have been paying on. then i recieved a letter concering this debt on XX/XX/XXXX that stated both our names on the debt. when i called about that letter they said i was liable for the debt. on XX/XX/XXXX i recieved a letter about this debt just in my name. i sent a cease and decease letter to only communicate through the mail only. i also asked for an itemised bill that shows this is my bill only. I do believed this bill since it has the same acct # number can be a HIPPA violation for releasing medical records without the consent from my husband.
I received a XXXX page ( XXXX sided ) response to a dispute - and have not received an updated Credit Report, as mandated, and this is the XXXX time in 2015, where this has occurred. Instead, I got a dispute result document - which is attached, As previously communicated in the disputes made through this portal, all communications from Equifax are expected to be through US Mail only, as I have not granted permission to view or receive these responses online. 

Attached is the letter generated on XXXX XXXX, 2015 deleting the contested XXXX account. 

Please share any updated report.
I bought a car from XXXX for around XXXX, after 2 years, i realized the car was not the car i bought on paper it was a XXXX model and the paper work was a XXXX model. After having to have the transmission replaced, and it failing again, front axles wheel bearings and other problems we called santandar to have them pick the car up on a voluntary repossession, and have n't received any paper work since then.We really need this issue resolved and removed from our credit.
There is an account that is reporting on my credit report. The account is XXXX XXXX. I have disputed this account several times because this account is not mine. I have called XXXX XXXX and requested in writing a copy of my original account and did not receive it. I spoke with XXXX Account Manager, XXXX XXXX and he admitted on a recorded call ( the call took place between XXXX on XXXX XXXX, 2015 ) that they did not have any paperwork regarding my original account and they could not provide it to me. 
If I was able to find out this information by a phone call, the credit bureaus should have been able to retrieve this information and take the appropriate steps to remove this account ( which shows a duplicate ) from my credit report. They did not and did not thoroughly investigate, when they held themselves that they did.
Re : Capital One Case : XXXX I sent Capital One a letter dated XX/XX/2018 ( Exhibit A ) which reads as follows : I received your letter of explanation dated XX/XX/2018 ( Exhibit B ), for which I thank you. I believe Capital One has made an error on my account, and I would like to get it corrected. I tried calling you, however, without an extension [ for XXXX XXXX XXXX. ] no one was able to locate you. 
Your letter of XX/XX/XXXX states the following : When you reported fraud to us on XX/XX/18, I immediately credited youre account for the charges listed below ( XX/XX/18 XXXX XXXX {$910.00} and XXXX ). On XX/XX/18, the merchant credited your account for the same charges. That means your account was charged fraudulently only once, but credited twice. We need to correct this by canceling out the duplicate credits by reapplying the below charges to your account. 
I acknowledge that credits were applied on XX/XX/XXXX in the above amounts. HOWEVER, MY [ XX/XX/XXXX ] STATEMENT DOES NOT SHOW ANY SECOND CREDIT FROM THE MERCHANT ON XX/XX/XXXX. So, in fact, my account was charged fraudulently once, and credited once. 
Then on my XX/XX/XXXX statement, you charged me again by 2 entries dated XX/XX/XXXX ADJ-XXXX  XXXX - {$67.00} AND {$910.00}. These entries are debits to my account and show that you have debited me twice when I was only credited once. 
The XX/XX/XXXX Statement shows correctly on XX/XX/XXXX, a charge for {$2300.00} and a corresponding credit for the same amount. You have not charged any other amounts in XX/XX/XXXX. That is how the {$67.00} and the {$910.00} should be treated. 
Please credit me back the {$910.00} and the {$67.00}, as you have charged me again for the fraudulent charges. 
I have called and called and only received a letter from XXXX XXXX dated XX/XX/2018. You a holding up my credit in the amount of {$970.00} by not responding to my letter, for six months now.
I have two separate accounts through a debt collector Vinci Law Office LLC XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX CO XXXX. Two different account numbers, two different contracts. I have paid close to {$1000.00} to Vinci Law Office LLC for the auto loan account which I had a monthly agreement to pay {$120.00} monthly. 

I called to settle my other account with them. A credit card amounting in {$520.00}. 

THEY ARE SEPERATE ACCOUNTS ON MY CREDIT REPORT. 

At first they stated they only had one account with me, than they indicated they linked the AUTO loan and CREDIT CARD together. 
They refused to settle my credit card payment in full of {$520.00}. 
They are Refusing my money. Denying me the right to settle just one account my credit card account. 
They also are saying I need to make a larger monthly payment for my auto loan, which was court ordered at {$120.00} a month. 
I have been trying to get ahold of the supervisor XXXX XXXX. I called multiple times, left multiple voicemails. No one will speak with me in the office. I have emailed multiple times to separate people. 
No reply. 

Emails I contacted with no response XXXX XXXX XXXX
I tried to apply a checking account in TD bank online, but it was said that TD can not find my public record. I have checking and saving accounts with other major banks for many years and I am sure the information I input for application is correct. Therefore, I think it does n't make any sense that TD can not find my public record.
I turned in a XXXX XXXX lease seven months early. I had received several different invoices for early termination liability. The first for {$40000.00}, second for {$5000.00} and last for {$4500.00}. I had a lawyer sent a letter asking Chrysler capital to explain a few issues with billing and missing pages from an invoice. I also asked for them to reduce the bill because I feel they age charging me excessively. I called on XX/XX/XXXX and they stated they never received the letter. I faxed them a copy and called back on XX/XX/XXXX. I was told they could not talk with me because a lawyer represented me. I stated I was not being represent by a lawyer that I just had the lawyer write me a letter. After operator spoke with the supervisor she said she could speak with me. I again stated my issue with the amount being billed. XXXX said it looked like I only owed {$900.00}. I said that was good and if they sent the bill I would settle the debt. Again she went to talk with her supervisor. She came back and said that a final bill should come in three to  five days. I asked how much will it be and she said she could not give the correct info because there were charges in different areas that would need to be collected. On XX/XX/XXXX I received a letter stating my request for cease and desist was processed and my account was put into hold. I called to find out what this meant and was told that they could not talk about the account because a lawyer represented me. Again I stated a lawyer did not represent me. I had my lawyer call on XX/XX/XXXX to clarify with Chrysler capital that a lawyer was not representing me. The operator on the phone stated that she could not hear the lawyer on the phone and that there was a bad connection. The call eventually dropped. I was on the call and on my end everything the lawyer said was clear. The lawyer suggested I file a complaint with CFPB.
On XX/XX/XXXX and XXXX I faxed XXXX A six page complaint including drivers license Social Security card and a police report.in result to faxing them this I have contacted them over eight times verified their fax number and a department that it was sent to and they are constantly telling me that there 's no documents uploaded to their system or no way to locate my personal information. They refuse to give me any other updates and telling me that I have to dispute each account one by one and seeing in the documents over which I stated to them that I am not in the US and therefore all the documents have been sent to the US and not able to do so at the time.they also told me that it will take an additional couple of days from the initial time that I sent and the complaint the representative then open up disputes on that account I asked to backdate them to the XXXX which I was given the answer no. This is very unfair to me and my family because my credit is how I support my family without Credit I can not get a place to live a decent job to take care of my kids as a single mother I am all my kids have.
Progreso Financiero is Poising my Credit Score every month, I told them 2 years ago I 'm not able to Pay, I was in a Car Accident and was not able to pay, I still owe money to some Medical Facilities and Keep paying as today, but they decide to Poison my Credit and want me to pay more than I can afford and I ca n't, since then every Month they send to the Credit Company 's like XXXX that my Account is Delinquent Account and is Collection/Chargeoff, I been paying other credits cards and other bills on time but my credit is still in XXXX because of them. 

I Send an email to the Credit Companies like XXXX and XXXX and they Still allow them to do it, I feel Hopeless and do n't know what to do, When the financial market broke in 2007 I also lose my Job was not able to pay, I file for bankruptcy and my credit was getting better after that. but I was in an accident years latter and now this Company has been tide my Credit for the last year just because they want to.
The United States Bankruptcy Court does not report to the credit bureaus.  Lexis Nexis  does not own my bankruptcy account and therefore can not report my information to the credit bureaus. This information needs to be removed from my credit report immediately
In 2014 I had a car accident in which I ended up in the hospital and incurred medical bills that were wrongly sent to the collection agency because the bills were not sent to my insurance company on time. Upon finding this out I contacted my insurance company and they paid the bills in full. I then contacted the collections agency stating that the bills had been paid in full and they should remove the collections accounts from my credit reports because it was negatively hurting me. They are very hard to contact and the representative is very rude and hangs up on me every time I try and resolve the issue.
XXXX XXXX XXXX was paid and settled even after illegal predatory actions taken including sending a false lawsuit document as a scare tactic. In settlement with XXXX they agreed to remove all negative trade lines from all 3 credit reporting agencies. This still has not been done.
XXXX separate problems with TransUnion : 1. Their website is set up to intentionally deceive people. Many states allow for one free credit report per year from each of the XXXX major credit reporting agencies. The space on TransUnion 's home page is almost entirely taken up with their offer to " Get Credit Score and Report '' with a large " See Yours Now '' button beneath it. Most people will click on that and assume that they will be told if their credit card will be charged at some point during the sign up process. 

The next page is where you enter your personal information, and on the right side of the page, XXXX under XXXX the advertising, they inform you that you have a chosen " FREE credit score & {$1.00} Credit Report ''. This is not in any way obvious. On the following page you enter an active credit card number, which, it would be reasonable to assume, is necessary to confirm your identity. You are not notified that the credit card will be charged. There is no confirmation page after that. The page where you enter your credit card info appears to be just another section of the identification information needed to verify your identity in order to pull your credit report. Even after signing up, it is not obvious that you have been charged {$1.00} and that after 7 days you will begin getting charged {$20.00} per month. 

After realizing I was scammed, I went back to the site to begin creating a new account and print out or screenshot each part of the process. When you print out the page, there is a message right at the top in bold letters that your credit card will be charged {$1.00} and that you will begin getting charged {$20.00} after the 7 day free trial. But if you view the page on your computer, which is what you use to sign up, that message is not there. It is buried under the advertising on the right side of the page. Why on the printable version, which no one would ever use, is it so clear? Is there a loophole in the rules that allows you to buy a potential charge under advertising, but a printable form must make that clear? 

2. There is no way to cancel online. You are forced to call in. You can find cancellation information in the FAQ. They recommend that you call a number but if you want to cancel online, to click on a link. That link takes you to another page that asks you to call a number, but if you want to cancel online, to click on the " Continue and Cancel '' link. That link is a dead link. They require you to call in to make it more difficult to cancel. 

This will obviously result in many people putting it off until a later time since making a phone call, waiting through multiple menus, regurgitating all your identifying info, and then having to explain yourself to CSR is not always convenient in that particular moment when simply hitting cancel while logged into your account is. All that needs to happen is for a few people to forget about calling back for them to start collecting the {$20.00} per month. It 's hard to imagine that this is not intentional. There is no reason to not allow cancellation on the website or to provide any way to contact their company through email or online forms.
Lending Point offered me a loan back in XX/XX/2018. I process was somewhat simple and I needed the funds as I am a single mom, XXXX XXXX XXXX, and while I make a good living, sometimes I can not budget properly for long lengths of time without a paycheck, so this was a nice cushion so I didn't panci, although the interest is high. They expressed they are an online company only, and they do not send paper statements, and that everything is handled online, and I can make my payment online and access my statements. I have NEVER been able to access my account online, and they have been telling me for months that they are getting their website fixed and it should only be another two weeks. Well, it has now been a year. I usually send my payment by mail, which they will accept, but you have to mail it about two weeks before the due date to make it in time. For about six months they sent me a payment reminder by email, but never told me my account balance, and although I have asked many times I was never given my account statements. I have made numerous calls to this company and have spoken to numerous people. Then around XX/XX/XXXX they stopped even sending an email reminder. I have asked that a Manager calls me back and they never do. I have been directed to several " account specialists '' that are supposed to head up my account but it always gets transferred to someone else. I am very upset to be treated this way and I have no idea what they are doing with my account, late charges ( I always try to pay all my bills on time! ) or varying interest rates. I have most if not all of the emails, and hopefully they have recorded the phone calls, but I can't depend on them. I am also VERY upset that I was lied to, if indeed this is an online company ONLY, they should have a working website, and a way for the consumer to check their account statements. 
My interest is compounded inaccurately and they prey on people and make it extremely difficult to make payments on time on purpose so they can rack up interest rates ; it is predatory and it is WRONG!!!!!!!
I attended the University XXXX XXXX and opened a loan from EDFINANCIAL to pay part of my school bill at the time on XX/XX/2015 and right now its at its wort payment status with a balance of {$6700.00} and it is affecting my credit i need it off of my account before things get worse
I have paid off my account with XXXX, but they will not update my credit report to list a {$0.00} balance on this account. I tried to dispute the account with Equifax, XXXX and XXXX XXXX ; but they continue to verify a balance owed when there is not one owed.
I purchased a new washer and dryer from Home Depot and took out a new credit card issued by Citibank. The terms were any purchase of {$1900.00} or more would be 24 months of no interest if paid in full. I contacted customer service on XX/XX/2017 and was told that they have me on 6 months of no interest. I asked the representative to make the correction to 24 months and they said they could not help me. I need this corrected to match the terms I agreed too and its the sole reason I opened the credit card.
I paid off my daughter 's car loan. The company insisted in splitting the payoff into multiple transactions. The loan was paid off as a cash advance from my credit card company instead of as a credit card transaction as i had been led to believe. It was not explained to me that i would be charged a fee for each transaction. The fees charged by Barclay on my AAdvantage Mastercards totaled {$330.00}.