WillisBack/dataset-financial-user-claim huggingface dataset:
We had a series of deaths in our family. This caused some issues paying our bills. I enrolled with XXXX XXXX and let all of my credit card creditors know. They worked out settlments with XXXX  ( XXXX XXXX  ), XXXX XXXX, XXXX XXXX, Home Depot/CBNA, and XXXX XXXX. They are still in the process of working out a settlement with XXXX XXXX. All of theses accounts ( except XXXX XXXX   ) are paid in full according to the agreement ( some are with a legal firm ). In fact once we got caught up I paid the balance of the settlement off early with XXXX XXXX, Home Deport, and XXXX XXXX. Most of these creditors report the accounts incorrectly. For example, most of them are still reporting an " FP '' failed to pay currently even though there is no balance. Most of them are also reporting the status of the account as derogatory or a charge off. Also, they are reporting that I still owe them money and list that amount as past due. I have contested this with each credit bureau ( XXXX XXXX, XXXX, and XXXX  ). All have come back saying the information is correct so I can no longer contest online. I have uploaded the settlement agreements to each bureau also but they changed nothing. I have sent them letters in writing with no response. I have also sent letters to XXXX, XXXX, XXXX XXXX, and HomeDepot. Along with having a full time job we also own an electrical business and are in the process of going for a small business loan. With these inaccuracies it is putting that financing in jeopardy. Credit counseling should be a good thing and if the creditors were more willing you could work out a fair settlement on your own. But when they continue to add multiple fees and interest month it spirals out of control and make it impossible to ever pay back the debt. Attached are a few of the letters I have sent. I can find them all if necessary.
A letter dated XX/XX/2018 was sent to me telling me that all my accounts are being closed on XX/XX/XXXX for a " business decision '', after 7 years of banking with them and having 0 problems! 
I've tried calling them and they told me that corporate will call me back, but never heard back from them. 
They closed my credit card account without any heads up notice, didn't even send a card advising that it's about to be closed. I just found out about that today when I went to the bank to ask for a reason. 
I've had automatic payments that didn't go through because of this, and it's turning my life upside down in a matter of days. 
I think that the minimum I deserve is a reason as of why my account is being closed and not just " business decision ''. 

Thanks
received a call from the company and was told that the check had not arrived. I stopped payment on the check and then on XX/XX/2018 the check cleared my account throwing me {$890.00} into the negative. Thursday was XXXX so Friday morning I went to XXXX XXXX  to fix this matter. They could not refund the money because it had been hard paid on Thursday which was a holiday. They spent 3 hours calling the company faxing documents as per customer service agent XXXX 's request. Then we called to find out if they had received the papers and were told it would take 24 to 48 hours for them to receive them. That means they will not receive the fax till Monday or Tuesday and then it will take 3 to 5 days to get the money back into my account. This is unacceptable as I am in the negative now! I have other bills that will be coming out of this account that have already been mailed out because this money was never supposed to leave the account. Then after 6 hours I called again and spoke to someone named XXXX who told me there was nothing he could do that this was their policy and we were stuck with it. He also could not give me a last name and ID number or a direct line to call him back on Monday to find out if they have received the papers. I have never dealt with such an incompetent company in my life. Last month they lost our checks as well and miraculously found them 3 days later. I would like my money immediately since they received it immediately when they put the check in the bank. We are not living in caveman days it does not take 2 days to get a fax. It also does not take 3 to 5 days to transfer money from one place to another. It should be by the end of business today. What am I supposed to do to pay my bills when they have basically stolen money from me and are holding it hostage I would like a phone call, and email, or a letter from you telling me what you plan to do about this. This company is not doing business in a reputable and upstanding way.
I applied for an auto loan with XXXX XXXX which was denied. The stated reason was that they were unable to resolve the fraud alert on my Transunion credit report. My denial letter indicated I could get a free copy of my credit report from Transunion. However, I was unable to do so via either phone or online. When I contacted Transunion 's XXXX-based customer support center, I was told that there were inaccuracies in my credit report. In order to resolve these inaccuracies, I was asked to mail in a copy of my SSN card to a PO Box number. This seems highly suspect to me. 

I asked the call center support rep to send me a letter stating why Transunion could not send me a copy of my credit report ( inaccurate or otherwise ) but she said that she could not do so. 

It seems to me that if Transunion is able to detect a problem at its end, they should be able to fix it automatically without the intervention of the affected consumer. I am still unable to get a copy of my credit report.
I applied for a credit card with Chase. They mailed the card to an old address that I have n't lived at in years. Fortunately, I know the people who live there now, otherwise I never would have gotten my card. I called to ask them what happened and they just ignored me. They wo n't tell me what data they have for my address or what went wrong. Then for some reason they they tagged my card for fraud and shut off my credit access. They wasted a lot of my time trying to solve a mistake they made.
This is in regards and follow up to CFPB Complaint # XXXX from XX/XX/XXXX. This is a further complaint against the mortgage company and the escrow analysis shortage on my mortgage account. The response they provided did not answer the complaint as to why the escrow account was in shortage and they did nothing about it for almost a year ( I have only had my mortgage with this company for just over a year ). Furthermore there response that the real estate tax and homeowners insurance had increased which also cause the shortage ( which there was no substantial increase to support it ) is a false claim by the company and I would like to know where they received their data. The XXXX annual amount from XX/XX/XXXX, amount was {$2100.00} ; andXX/XX/XXXX, amount is {$2100.00} ; a difference of {$23.00} ( attached ). Nothing significant that would result in this shortage. 

In addition and even more confusing is that on XX/XX/XXXX, I received an email ( attached ) reminder of my payment for XX/XX/XXXX, and it indicated that the current payment I have is due on XXXX?? Yet, according to the escrow analysis and shortage letter I received in XX/XX/XXXX, it said effective XXXX, my new " mortgage '' payment was increased by {$230.00} ( if I could not pay the lump sum ) ; yet the email contradicts that letter? It more clearly states the financial discord that rests within this company. 

I have been trying to work with this company since they notified me in XX/XX/XXXX, that effective XX/XX/XXXX, I either pay a lump sum of almost {$2900.00} or a monthly increase of {$230.00}. I was willing to work with THEIR ERROR on solutions of a smaller payment spread out over a longer time period ; or take the lump sum out of the interest on the account. I am a faithful consumer to this mortgage, have not missed a payment, and they would not consider this solution or working with me on a fair and ethical solution.. They are at fault for not escrowing the monies appropriately or following up with the consumer that their calculations are off and their financial analysis and reporting are not compliant. There are a lot of reports out about this company about their unfair, unethical, and fraudulent practices when it comes mortgages, escrow accounts, opening false accounts, etc. They have paid in the millions and they are still continuing to do it. I have reached out to Atty General XXXX XXXX 's about this matter and they recommended I contact the CFPB, and I have reached out to MA Senator XXXX XXXX about this matter ( and she herself as gone after this company for their fraudulent practices ). I am single mother of XXXX children and to impose this practice without valid and honest reasoning is unethical to the core.
On XXXX XXXX, XXXX I received a email that Integrated Services was the collection Company that received the case from XXXX. For a total of XXXX I agreed for a settlement of XXXX to be paid in XXXX payments as follows ; XXXX/XXXX/XXXX XXXX} XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX  XXXX/XXXX/XXXX XXXX For a total of XXXX After I received this email I was told by XXXX XXXX XXXX that a processing fee of XXXX} will be added for each payment. I explained that the Settlement Letter did not include any processing fees. I also told XXXX XXXX that I was suspicious that the Settlement agreement was not signed by anyone or himself. I told him I will not honor any document without a Company official member signature. After calling the office several times to speak with XXXX. He finally send me a email dated XXXX XXXX with the XXXX XXXX XXXX on XXXX page and his name on the second page XXXX XXXX. On XXXX XXXX I sent an email indicating I only put XXXX payment as agreed for XXXX XXXX that same day about XXXX am est XXXX called XXXX XXXX and harass him about my XXXX payment that was declined from my account After being threaten by Company Lawyer XXXX XXXX and XXXX they XXXX and made a withdrawal of XXXX. I requested a copy of my new balance with should be XXXX that was not send to me via email. If I do not reveive my new balance of XXXX I think this is a fraudulent transaction made by Integrated Recovery Services..I also requested that they contact me via US Postal Services XXXX no more email correspondence. They both was rude and scandalous and scammers. And threatening me with a court prodeeding, I need this company to be investigated for using bully tactics and disrespecting their clients, and not being honest about the selltement agreements by adding so call processing fees after sending the selltement agreement, and stil not sending a new selltement agreement with the fees.
I have received tens of calls from XXXX XXXX XXXX in XXXX Maine regarding a debt for XXXX XXXX. I am not her nor have I ever known her. I have repeatedly told this to the company but they insist on calling me at all hours. They must stop.
This letter is to notify you that I no longer am disputing this account. 

Please remove all consumer dispute statements from my credit profile as reported to the credit reporting agencies by your company upon receipt of this letter.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below
Equifax continues to report my child support payments. These payments are not a loan or revolving credit. I have never been late on these payments and i want them removed from my credit report. I 've asked Equifax to remove the payments from my credit report but all they do is tell me that the information is correct and they continue to report it.
disputed unknown collection account with XXXX no response from agency but confirmed valid on credit report. sent letter to agency no reply, looked up company to discover they are not licensed. yet pursue collections and report XXXX is owed without any evidence.I do not believe any such account is valid.
i went to court and evicted a young man from my rental house. XXXX XXXX XXXX awarded me a judgement against the young man. Trans union reflects it in reverse showing the judgement as being against me. this created a major hit against me rather than the young an who owes me money.
-On XX/XX/XXXX, I prepaid the auto loan for a year in advance from XX/XX/XXXX through XX/XX/XXXX. Payments are {$200.00} per month and I sent {$2400.00}. I sent a written letter with a copy of my statement, to the loan servicing department per the monthly statement loan servicing instructions, with specific instructions my funds were to be applied to the 12 monthly advance payments. -This is the same procedure I followed last year without issue. -This Lender misappropriated my payments and applied my funds to 3 advance payments and the balance to principal reduction without my consent. -They have now put me in the position of having to make 9 additional payments next year, expose me to late charges, damage to my credit and risk of repossession of my automobile if these payments are not made. -I have called the Lender twice with a promise that the Lender would get back to me. The Lender has failed to contact me after a reasonable time has gone by. -When I did call the Lender, I was advised that the Lender 's computer system no longer allows more than 3 months payments in advance. This is totally unacceptable. With the vast capabilities of computers, the inability to accept payments in advance is unreasonable and against consumers ' interests. Further, this Lender was able to accept payments a year in advance the prior year without issue. -This Lender has misappropriated my funds without my consent and has failed to follow-up with me to rectify this problem. -The consumer should not be in the position of having to chase the Lender to rectify a problem caused by the Lender.
On Thursday, XX/XX/2016 I initiated a mobile check deposit to my business account via Bank of America 's smartphone app. 

After the check had cleared, on Friday an employee of the bank placed a " hold/freeze '' on my check. 

A note in account details said a letter had been sent through standard U.S. Mail explaining the reasons, which diminishes the purpose of convenience of a mobile deposit. 

On Saturday XX/XX/XXXX, an email was sent to my business account with a Pdf attachment stating " A hold was placed on your check ( s ) because check specific information indicates item may be returned ''. 

This indicates the judgement and belief of a certain employee that either s/he believes based on some kind of evidence that the check is somehow fraudulent. 

I need to know exactly : What kind of fraud the employee believes s/he has detected to justify such false representation ; Exactly what " check specific information '' is imagined to indicate such falsehood ; The full name and position of all persons involved in this conspiracy to meddle in my business and defame myself and my associates ; The complete details ( including name and rank ) of all parties internal and external who has been affected by the conspiracy including specific departments, law enforcement agencies and personnel ; and any other financial institutions conspiring with Bank of America.
In  XXXX   2016 , I made a debt settlement with a company called  XXXX . The original debt was just over {$1800.00}. The debt was settled for {$750.00} even. I had taken out a personal loan at my local credit union to pay for this debt. My credit union mailed out the check. I called  XXXX  a few weeks later to confirm they received the check. They did confirm the check was received and that my account has a balance  of {$0.00} and is closed out. 3 months later, I receive mail from Midland Credit Management  stating they are a debt collector and that I owe them just over {$1800.00}. I called to inquire about the debt, as I had my credit union completely pay off all my credit cards and should n't have anymore de bt. Midland Credit Management s tated they bought the debt from  XXXX . After dozens of phone calls, neither company can help me.  XXXX  has hung up on me many times when asking how to handle th is. Midland Credit Management  does n't seem to have a single employee who can speak decent English, let alone understand what I 'm explaining to them or how to handle it.
On XX/XX/2017 XXXX XXXX XXXX inquired on my credit. 
I have tried to contact them to send me the file inquiry.to me. 
No response
I continuously speak to XXXX and still no response from Executive Offices. Another request with no response. Please advise. I am a very frustrated consumer. I paid of a Ally Financial Auto early due to the mileage. Over {$5000.00}. It was turned in to XXXX XXXX in XXXX, XXXX There is a {$150.00} charge Ally claiming the Lessee, ( me ) cracked the drivers seat plastic part. I did not crack the seat. I am a very small woman and wrote a letter to your Executive Offices as instructed by XXXX. Ally Executive Offices signed for the certified letter XXXX/XXXX/XXXX. To date no correspondence pertaining XXXX to my letter. 

Your representatives keep calling on a daily basis claiming never to receive any information from the Executive Offices and demand payment. 

Please assist it getting a frustrated consumer that did not incur this dollar amount closed on this Lease Account. 

The XXXX of being told this small dollar amount will go to collections and the numerous amount of calls each day needs to end. 

We are good consumers working with you and want to have the account closed. 

Please advise. This is my second email request. 

Regards, XXXX XXXX XXXX On XXXX XXXX, XXXX, at XXXX XXXX XXXX XXXX. XXXX XXXXXXXXXXXX XXXX wrote : Begin forwarded message : From : " XXXX XXXX. XXXX ; XXXXXXXXXXXX XXXX Date : XXXX XXXX, XXXX at XXXX XXXX EST To : XXXXXXXXXXXX Subject : Complaint To whom it may concern, I am a frustrated consumer and getting no help with a {$160.00} charge. 

I was told to write to executive offices and Ally has signed for it on XXXX/XXXX/XXXX and I keep getting calls and calls. 

What is next to dispute a small dollar amount. Calls start very early and go late at night. 

XXXX XXXX XXXX
I have several credit card acct on my credit that I was listed as an authorized user never seen are used the card before..ithink someone might have my info
Chase XXXX XXXX credit card breaches XXXX XXXX   XXXX CONSUMER PROTECTION LAW [ 2 ] FORBIDS ALL " DECEPTIVE OR UNCONSCIONABLE TRADE PRACTICES IN THE SALE, LEASE, RENTAL, OR LOAN, OR IN THE OFFERING FOR SALE, LEASE, RENTAL, OR LOAN OF ANY CONSUMER GOODS AND SERVICES, OR IN THE COLLECTION OF CONSUMER DEBTS. '' MORE SPECIFICALLY, 20-701B OF THE XXXX ADMINISTRATIVE CODE DEFINES AN UNCONSCIONABLE TRADE PRACTICE AS FOLLOWS : ANY ACT OR PRACTICE IN CONNECTION WITH THE SALE, LEASE, RENTAL OR SERVICES, OR IN THE EXTENSION OF CONSUMER CREDIT, OR IN THE COLLECTION OF CONSUMER DEBTS WHICH UNFAIRLY TAKES ADVANTAGE OF THE LACK OF KNOWLEDGE, ABILITY, EXPERIENCE OR CAPACITY OF A CONSUMER ; OR RESULTS IN A GROSS DISPARITY BETWEEN THE VALUE RECEIVED BY A CONSUMER AND THE PRICE PAID, TO THE CONSUMER 'S DETRIMENT ; I have contacted Chase XXXX XXXX Credit Card @ XXXX ( XXXX ) XXXX XXXX twice regarding RETURNED products and REFUNDS issued my XXXX as my account indicates but NOT posted to my CHASE credit card account of which they are in partnership with, equaling upwards of {$450.00} that is the definition of gross disparity and the lack of aggressive conflict resolution to get tot he bottom of the unidentified issue does not res tin the consumers hand but in the banking institution under these convenents. 
On both occasions I have received inadequate help because the account is influx from the 20 + charges underfunded. Both institutions keep blaming the other instead of someone efficiently and aggressively handling the appropriations of the funds of my account. i the consumer suffer a debt not belonging to me. 

Both supervisor XXXX XXXX at XXXX XXXX Texas disputes department and XXXX , have passed the buck in handling it. Redirecting me to XXXX and XXXX redirecting me to the banking institution. I have been told if i XXXX bills a certain amount but its charged to the credit card independently i need to identify the charge. I have been told i cant receive refunds ; despite the account on XXXX stating refunded past XX/XX/XXXX even when the bank institution has not posted the credit. IN ADDITION TO BEING STATUTORILY REQUIRED TO AVOID DECEPTIVE AND UNCONSCIONABLE TRADE PRACTICES IN PERFORMING BANKING SERVICES FOR CUSTOMERS, WE UNDERSTAND THAT THE FDIC HAS URGED BANKS TO OPERATE ETHICALLY AND HONESTLY, WITH FULL PRIOR DISCLOSURE TO CUSTOMERS OF ALL FEES AND COSTS ASSOCIATED WITH ACCOUNTS. IT IS VERY DISAPPOINTING TO HAVE LEARNED THAT CHASE ENTIRELY FAILED TO DO SO REGARDING XXXX XXXX XXXX. TO NOW KNOW HOW TO HANDLE A NEW PROBLEM IS NOT A REASON TO AVOID DOING SO. 

WE BELIEVE THAT CHASE XXXX XXXX CREDIT CARD HAS NOT ONLY VIOLATED ITS COVENANT OF GOOD FAITH AND FAIR DEALING OWED TO XXXX XXXX XXXX. IT IS XXXX XXXX XXXX MONEY THAT SHE IS RIGHTFULLY OWED AS THE PRODUCTS WERE RETURNED AND PROOF WAS PROVIDED BUT THE CREDIT CARD STATEMENT AND ACCOUNT NOT BROUGHT CURRENT.
We obtained a loan on a used vehicle in XXXX. In XXXX, we decided to pay this off early as we had several issues with the bank posting our payments correctly. The payoff letter was received on XXXX XXXX, a check was written that day and was sent to the address noted in the payoff letter XXXX a copy of the letter was enclosed with the check ). The check cleared my bank on XXXX XXXX. It is now XXXX XXXX, and we still do not have a title for the car and have been threatened with repossession. Both my husband and I have already logged complaints on this site. I have had repeated contact with XXXX representatives from the bank and have provided them copies of my cancelled check and bank statements several times. Every time the information is sent, they either claim they did n't get it or ca n't find it or it 's not quite what they needed. The most recent complaints on this site were closed out on XXXX XXXX saying that their " resolution '' was to ask for a copy of the cancelled check without the routing and account numbers redacted. As I said, they 've already received a copy of the check ( routing and account numbers are redacted ) and a copy of the bank statement XXXX account number also redacted ) as proof that the check cleared. Even though I am not a fan of handing out this sensitive information, I faxed the un-redacted copy on XXXX XXXX, the morning after we received the " resolution ''. At this point, I have heard nothing back and my voicemail has gone unanswered. Our car loan has been paid off for XXXX months now, and we are still arguing and waiting.