WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX I had a NSF check with the XXXX XXXX Co Op. I have been a member for almost 15 years and assumed that it would be resubmitted to my bank account a XXXX time, as is industry practice. I waited patiently to hear back from the Co Op if there was a problem, had the money in my account and even addressed this with my Credit Union. They admitted that the Co Op is a pain. As of 3 days ago I found out that I was on bad check list in view of all the employees who work at the check stand. At no time did anyone inform me of the protocol or policy put in place nor has it been posted for any of the members to see. I was told that the sticker, Global Payment provided, placed on the check registers was sufficient. I informed the Co Op CEO that I need glasses and for the most part people do not look at the Cash Register going through line their focus is the groceries, Checker, and paying for the goods. I also informed her using that location to educate members was inappropriate and it should be posted in view at the Customer Service desk or on the Bulletin Board where they are asking for Customer/member feedback. At no time was I ever informed in writing or in person of my rights and timelines to remedy the situation. XXXX XXXX, CEO, informed that the check was sent XXXX XXXX to Global Payments. Global Payments informed me today that they received it XXXX XXXX and sent a letter out that day, which I have not received yet, and on XXXX XXXX they ran my check through the account again which bounced again since we do not have overdraft. I had the monies there for over a month and a half. I let the CEO know that they made the process more difficult because if I had known what the policy was I would have been there the next day to remedy the situation and actually offered to pay for the check. I want to know where my rights are so situations like this can be prevented in the future. I will be attending a Board meeting to let the Co Op know that they are member organization and part of the mission statement is to educate their members and to include them in their policy decisions. I take responsibility for reasonable fees but I feel the XXXX XXXX Co Op was negligent in informing me on a timely basis of the problem, in fact, sitting on it for six weeks, and denied me the ability to remedy the check within a reasonable timeframe and then escalated the situation. What are the laws regulating Check Collection agencies? Should I have received a letter giving me a chance to remedy the situation directly sooner? What authority has a XXXX XXXX XXXX to resubmit a NSF check?
This company continues to call me on my personal cell phone. I have been really sick and they just continue to annoy me. I realize I 'm owing them money, but they are not going to get it any faster by annoying me with countless phone calls. They are calling in the morning. They are calling me while I 'm shopping in a store. They call at dinner time. All through the day! I want my personal cell phone number removed from all creditors. I am unemployed and I am doing the best I can with my bills. Please make them stop! Thank you!
We received a loan modification from 21st Mortgage. We made XXXX of the XXXX while working with them to verify the amounts they claimed were due. The loan modification says specifically that the amount of the escrow is subject to change, and we were negotiating that figure from the outset. Today we received a letter saying that we rejected the loan modification when that is blatantly false. We were negotiating the correct amount of the escrow. In fact, part of what was in escrow was amounts charged by XXXX, who notified us that those amounts were fraudulently charged, and refunded us a small portion of those charges by a class action lawsuit. 21st removed all the charges but taxes and we were negotiating on our claim of slander of title against the amounts of the escrow. Our point of contact XXXX XXXX is travelling and his auto-email notification says that he is not available until XX/XX/XXXX, so I called to his office. I was told by his assistant that so long as our payment was received before the end of this month, we would not lose our loan modification. Now 21st is saying they are going to return our loan modification payments and try to sell our home. HELP. We do not want to lose our home or our loan modification.
OnXX/XX/XXXX I applied for and was approved for the Bank of America XXXX XXXX XXXX XXXX XXXX. My application qualified for a promotional offer which stated that I would receive XXXX XXXX rewards points if I spent at least {$1000.00} on the card within 3 months from the date the account was opened. 

After spending more than {$1000.00} on the card, I called Bank of America customer service in lateXX/XX/XXXX. I told the representative that I planned to return several items that I had purchased on the card and asked if that would affect my spending requirement to get the XXXX rewards points. The representative confirmed that I had met the {$1000.00} spending requirement, told me that returns would not affect the bonus offer, and said that I should see the points appear within several weeks. However, more than 6 weeks later, the points still did not appear in my XXXX rewards account. 

I called Bank of America on XX/XX/XXXXto inquire why the XXXX points had not appeared in my XXXX rewards account. The Bank of America representative confirmed that I had met the spending requirement, told me that the points should have been credited to my XXXX account, and said that I should contact XXXX. I called XXXX the same day, and the representative told me that they had no record of a transfer from Bank of America, so I needed to resolve the issue with Bank of America. I called Bank of America a second time that same day, and the representative told me that she would put in a request for the points to be credited. 

Several weeks later, I received a letter stating : The bonus offer required that you spend at least {$1000.00} within 90 calendar days from the date the account opened to qualify for this cash rewards bonus. You didnt qualify for the XXXX bonus because the spending requirement wasnt met within the required timeframe. 

This letter contradicted what I had been told by three separate Bank of America representatives. I called Bank of America again inXX/XX/XXXX to inquire why I received that letter. Again, onXX/XX/XXXX, I received a letter with the same language as the first letter, stating that I would not be awarded the XXXX points.
I arrived at TD Bank on X/XX/2017 at around XXXX XXXX I asked to make a transfer of funds to my account in XXXX. XXXX the banker told me she will not help me since I am XXXX and a XXXX XXXX I will not help you. She told me that she also hates the State of XXXX, and all XXXX should be put into a XXXX XXXX or an XXXX. She told me we need to make a finale solution to all the XXXX.
I mentioned this to her manager that she was not willing to do a transaction for me since I was XXXX XXXX started laughing at me. I almost wanted to cry that this is how I 've been treated as a TD customer. I filled many compliments already with the CFPB and the CFPB has ignored the fact that as a XXXX I have been discriminated against on the basis of my religion ( XXXX ) and national Origin ( XXXX ).
All I asked was to do a transfer of funds from my account in the US to XXXX and they would not allow me to do the transaction.
XXXX was my original creditor. Due to financial distress, I could not make payments as agreed, and the account was sold to XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

I spoke with a representative about my account XX/XX/XXXX, and we had agreed to cut the balance in half ( original {$3600.00} down to {$1800.00} ) and to set up a biweekly payment plan of {$35.00} to be settled in full by XX/XX/XXXX. I see that every 2 weeks, payments are still being deducted. When I call they claim an amendment never existed, and do not see a record of the call. I was told the balance owed is still {$2100.00}, and not the {$350.00} I had assumed I had agreed to. 

I spoke with XXXX ( ext XXXX ) on XX/XX/XXXX, who was really kind, and said she'd review recorded calls for the dates I specified ( XX/XX/XXXX to XX/XX/XXXX ). She said I should hear back within an hour, but I do not understand why a record of my call and the contents do not exist. 

I am asking that ACF mark the account as settled in full, as agreed, and cease and desist taking any additional payments via ACH or EFT or otherwise debiting my account. I have also not been receiving any printed or emailed statements regarding my account, which I believe is a violation of FDCPA. I had sent a letter in XX/XX/XXXX about my change of address, but I never heard back. 

I am upset because I agreed to pay and feel hoodwinked that they never notated my account.
Continually calling XXXX 8 times per day even after they receive the information about payment dates they are looking to get. Asked them not to call again and was told until the payment actually showed up, they could not take me off their auto-dialer.
In XXXX 2017 I applied online for the XXXX XXXX XXXX XXXX  and was approved along with a 7 month 0%APR. I was careful not to mark any boxes for things I did not want to participate in. I received the card end of XX/XX/XXXX which I filed and not charged. I received my renewal membership from XXXX that is due for XX/XX/XXXX. I decided that I will renew online but was not able to. It turns out that the XXXX XXXX XXXX credit card was charged for the renewal (which if I did not login to try to pay renewal I would have never knew I owed that XXXX since I never charged on it).I contact XXXX Live Chat as I was having to wait 55 mins for phone support, the only response I received is that I signed up for auto renewal. I went thru everything and did not see a box to opt in or out for auto renewal. After an hour I received an phone call from XXXX  customer service which the person named XXXX said that XXXX  charges that XXXX automatically  and the only way to opt out of that is to call us and ask us to remove the credit card. I asked for him to remove this and can I receive confirmation of this which he told me he can not provide anything but will make a note on the account...To me this feels deceptive that when I signed up I was not given the option to opt in or out for auto renewal. Instead Citi Bank and XXXX  took it upon themselves to force my XXXX XXXX to be charged without me having any knowledge including not even sending me an alert or email that this is scheduled to be deducted. I never experienced this with any other credit card and hope a review on these practices by XXXX and Citi is conducted.
Debit Card Transactions on my account that are not locatable via any company name were reported to Chase Bank on XX/XX/XXXX by internal email on my account. The same day, another withdrawal was made. I contacted Chase after receiving an email with a claim number XXXX on XX/XX/XXXX. When I spoke to the customer service representative on XX/XX/XXXX, they were not interested in the initial deposit and withdrawal both for nominal amounts of {$2.00} that were processed and approved by Chase Bank. Even though I submitted the complaint on XX/XX/XXXX, they still processed the XXXX XXXX transaction on the same day. 
Following is the list of transactions. I have attached the reply following the phone conversation on XX/XX/XXXX. 

XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Debit card transaction {$40.00} ; XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, {$40.00} ; XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$40.00} ; XX/XX/XXXX XXXX *XXXX XXXX XX/XX/XXXX, {$41.00} ; XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, {$41.00} ; XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, {$40.00} XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, {$2.00} XXXX XXXX XXXX XX/XX/XXXX, {$2.00}
i filed chapt XXXX XX/XX/2010 ... .EQUIFAX will not remove item from credit report ... .been 7 years ...
This debt was negotiated with the collection agency to be paid for a settlement sum and they agreed to remove it from my credit report. They continue to report this debt as being open collection even though it has been paid. They also are not abiding by our agreement to remove as open from my credit report.
I HAD XXXX WHICH IS A MEDICAL CARD FROM THE STATE OF ILLINOIS. THEY STATE SHOULD OF PAID THIS WHOLE BILL. THE HOSPITAL DID NOT CHARGE THE RIGHT INSURANCE AND I HAVE TOLD THEM THAT BEFORE
CREDIT REPORTING COMPLAINT AGAISNT CHASE In 2011 we found ourselves buried under a mound of debt and enlisted the services of a debt consolidator. All of our debts were amicably settled accept one, Chase Account # XXXX. 
We did not find out until recently it had not been settled. Chase had sent us a XXXX which we thought closed the account. What we found was that while we received the XXXX Chase continued to show the debt was open and had monthly payments due. We also found that two offers had been made to the third party representing Chase to settle the account but the offers had been refused. All this came up because I needed a loan to replace my heat pump and had no credit. 

I contacted Chase 's customer service and was told the " XXXX was issued as a courtesy to the IRS to inform them Chase was no longer attempting to collect the debt and they still considered it open ''. As I read the XXXX it clearly states " Summary of Form XXXX Cancellation of Debt '', not this is provided as a courtesy to the IRS but is really still open and due. Further Line XXXX says " Amount of debt discharged ''. How can this mean it is still open and due. I contacted Chase 's customer service once again and was given the same story even when I pointed out the XXXX reported the discharged amount as income to me and made it eligible for a tax write-off for Chase. 

At this point I requested to speak to a supervisor. The gentleman was pleasant and understanding but said there was nothing he could do. He offered to have his manager contact me if I would like and I accepted the offer. Late one Saturday afternoon a couple of weeks later I got a call from XXXX who identified himself as the manager, gave me his full name and employee number ( which I did not write down ). After a pleasant conversation he agreed I had a reasonable complaint and checked with his system which showed our debt had in fact been closed. Nothing was open and nothing was due. Yet he could not get this removed from our credit history as it was the responsibility of another group. 

I had reason shortly after this to visit the IRS and while I was there asked about the meaning of the XXXX. I was told it did in fact mean the debt had been discharged and if Chase refused may want to consider contacting the FDIC ( who 's phone number he gave me ). I did and they directed me to you, the Consumer Financial Protection Bureau. The only reason I can see for Chase to refuse to remove this ex-obligation from the credit report is pure and simple spite. By issuing the XXXX they have reported the discharged debt to the IRS as income to me and have provided themselves with a tax write-off if they choose. There seems to be no reason for this to continue to show up as an open debt on the credit report. Am I missing something? 
A copy of the XXXX is available upon request.
I called Citibank to notify them my husband has passed away, I would apply for a card in my name, approximate date XX/XX/2018. I was assured a final statement would be mailed to the home, same address for 27 years. I advised them the card was set up as " paperless statements '' with auto pay account in full each month. By XX/XX/2018 no correspondence or attempt to reach me by telephone to let me know the account was past due and sent to collections. My checking account indicates the amount to be debited on XX/XX/XXXX was not drawn by Citibank, therefore the card is delinquent. I have talked to a total of 7 customer service representatives, I have been disconnected, not provided with thorough accurate instructions on how to settle this account. I want late fees, interest and charges against my credit rating rescinded and I want to pay outstanding amount due. The resulting interaction with Citibank has consumed a minimum of two hours of my time with no result other than failed attempts at a resolution. Without a final statement how can I not prove there are unauthorized charges on the XXXX?
ask the three credit major credit reporting agencies XXXX, XXXX XXXX, experian to remove negative remarks and inquies from my credit report since XX/XX/2018 of this year sent 4 rounds of letters
they removed this from my credit report XXXX {$6000.00} Which is in good standings and want back on all XXXX reports
I opened a checking account on XX/XX/XXXX using a referral code from my friend. The offer that came with this code was to get {$250.00} bonus after depositing {$10000.00} and keeping it for 8 weeks. I have completed this requirement, but never received {$250.00} bonus. I contacted HSBC in XX/XX/XXXX and they promised that bonus would be deposited within 8 weeks. So I waited 8 more weeks, but again received no bonus. When I contacted them again they started telling me weird stories. First they told me that I don't qualify for this bonus because I had a credit card opened with HSBC. In fact I never had any credit card with HSBC.  Then they told that I don't qualify because I had HSBC debit card opened as of XX/XX/XXXX, but offer required no opened account with HSBC as of XX/XX/XXXX. Yes, I had a checking account with HSBC before, but it was closed on XX/XX/XXXX, which is 5 months before XX/XX/XXXX, so I couldn't have any active debit card on XX/XX/XXXX. I had to explain that several times, but they still refuse to issue {$250.00} bonus without any reasonable explanation. As a result, I had to keep {$10000.00} on this checking account for almost a year hoping to receive the promised bonus and I lost an opportunity to earn interest in other banks.
I have been a victim of ID theft. as a result there is are negative balances on my credit report. {$13.00} XXXX on XXXX {$3500.00} on XXXX I obtained a police report submitted to all credit buerals no effect they don't believe me. please help
Since XX/XX/XXXX till XX/XX/XXXX, I have resided at XXXX XXXX XXXX . XXXX XXXX ( XXXX XXXX ). My second lease, a 13-month lease, commenced on XX/XX/XXXX and it ended on XX/XX/XXXX. When I returned home from my weekly travel on XX/XX/XXXX, I found out that the management of the XXXX XXXX took possession of the property without my knowledge. Since I travel 5 days out of the week, I made arrangements to have my belongings moved out the prior weekend. I have inquired with the management about the possible explanation why I was locked out of my apartment to no avail. 

On XX/XX/XXXX, I have received a Moveout Statement stating I owed {$420.00} including {$350.00} for carpet stains. Again, I have tried to reach out to XXXX XXXX, property manager, to gain an understanding why I was locked out of my apartment before the lease expiration, who the management received an authorization from to take possession of the property before the lease end and any walk-through documentation or an agreement assessing the condition of the apartment. Since I was the only person listed on the lease agreement, XXXX management was authorized to only communicate with me! Since they failed to do so and took possession of the property before the lease end and without my knowledge and consent, they breached the contract they had with me. 

I left 10 messages for the property manager at the XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX which she denied receiving when I personally went to see her on XX/XX/XXXX. That same day, I also contacted the resident liaison at the XXXX XXXX who owns and manages the XXXX XXXX to see who I could contact at the corporate office. She informed me that at the direction from the property manager, she was not allowed to communicate with me or give me any additional information. 

On XX/XX/XXXX, I sent a certified letter to XXXX XXXX, vice president of property management at XXXX XXXX explaining the situation to him and asking for explanation. 

I also sent a certified letter to IQ Data International letting them know that I disputed the validity of the debt and I contacted the corporate headquarters for explanation. In the meantime, I asked IQ Data International to discontinue collecting on the debt and forward the account to XXXX XXXX until a resolution is reached. 

My letter to the Vice President of Property Management at XXXX XXXX went unanswered as of today for 60 days and IQ Data International placed a collection on all my credit reports without notifying me of the action. 

XXXX XXXX as well as their debt collector violated my rights under the FCRA by not proving the validity of the debt. XXXX XXXX had ample time to answer my questions and inquires in the letter they received and signed for on XX/XX/XXXX. Instead of proving the validity of the debt they are trying to collect from me, they discriminated against me assuming that as an XXXX male I am not aware of my consumer rights and will let XXXX XXXX and as well as IQ Data International extort money from me to prevent any damage to my credit report.
My mortgage was sold from LoanCare to XXXX over a year ago now, my payment for XXXX 2015 was sent to LoanCare, but was never forwarded or returned to me. I have called both XXXX and LoanCare for resolution and they continually give me the run around, I have multiple tickets in with LoanCare regarding my payment and have been told the issue is closed and resolved every time I call to check. They have yet to actually resolve the issue and I have called multiple times and sent them documents multiple times without resolution to the issue. On the flip side, XXXX is charging me late fees monthly for a missing payment that I technically never missed, I originally called them when the issue first came up and they told me they would take care of it, I called them multiple times over the ensuing months and they kept saying they were taking care of it only to find out later from an employee at XXXX that the truth is they would never do anything about it. Essentially LoanCare and/or XXXX is holding my payment and is not applying it to my mortgage and neither is calling me regarding my complaints filed with them, every time I call either my complaints are closed without contacting me or giving me any resolution or without fixing my mortgage.
Designed Receivable Solutions did not send me any correspondence about alleged unpaid debt. First time I found out about them trying to collect is from checking my credit reports, where they reported collection accounts I do not owe. I wrote them letter stating that I did not receive any correspondence from them, requesting proof of any debt owed, and stating that the validity is disputed. They did not respond in any way. Failed to remove negative reporting from credit reporting agencies. I do not have any unpaid medical bills. Whatever they are trying to collect is a fraud and does n't belong to me
FMS, Inc keeps wrting to me regarding an alleged debt to XXXX of {$200.00} for a XXXX credit card. I have never had a XXXX credit card. I called XXXX and they verified that I do not and never did have an account. I have explained to FMS that their information is incorrect but they do not listen and keep harassing me.
My issue is with Capital One Auto Finance. My car was repossessed back in XX/XX/XXXX. After auctioning off the vehicle the account was then closed in XX/XX/XXXX. Since then Capital One Auto Finance keeps reporting this account as open ( with TransUnion ). Causing my credit score to drop. I have tried contacting Capital One and TranSUnion regarding this inaccuracy with no avail. Can you help.