WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I filed a dispute for two transactions I'd previously authorized to be taken. The funds authorized were to pay for my minor son 's registration fee to play in an out of state Football game. He was to travel from NJ to FL for 5 days to practice with his team, have a game and travel back home. 
I only spoke with his coach ( who coached him XX/XX/XXXX ) regarding this event, the fees, the entire set up. I emailed with two other people associated with XXXX XXXX  regarding jersey numbers only. 
The day they were supposed to leave ( XX/XX/XXXX ) the coach advised he was not able to provide the transportation that we'd agreed upon and that my minor child would need to travel the 20 hours with unknown adults in order to attend the event. 
I declined and requested a refund of the registration fees, to which he verbally agreed shouldn't be a problem. I immediately requested a refund of the funds as I had not been advised otherwise and felt this was a breach in contract because transportation was no longer being provided. 
PNC bank did some type of research and declined my dispute and drafted {$150.00} out of my account today leaving it negative. 
I was never told that I could not have my money back, I was advised verbally that I would be fine to request a refund. The contract I entered online to make the payment was for a flag football team I have no knowledge of so even that contract was null and void as the event was not flag but instead full contact football. My son was one of two children left behind and I have text messages providing proof XXXX XXXX acting as an agent for XXXX XXXX  in my eyes.
I recently opened XXXX checking and XXXX savings account with Citizens Bank in Massachusetts. XXXX checking account was for a business and XXXX checking/savings account was for personal use. To open the accounts, I deposited XXXX checks totaling {$22000.00}. XXXX of the checks I deposited was a cashiers check in the amount of {$7500.00}. For whatever reason, Citizens Bank decided not to use the funds from the cashier 's check to open the accounts and used XXXX other personal checks instead. These personal checks, totaling another {$7500.00}, were not honored by the bank they were drawn upon. I spoke with the person that wrote the checks and he confirmed that the monies are definitely in the account and available. He suspected that they may have expired which caused them to bounce. I am now being told by Citizens Bank that they intend to charge me {$40.00} in fees due to these checks bouncing. In addition, they are placing a hold on all of the other checks that were deposited including the cashiers ' check. When I asked why they did n't use the cashiers check first they could n't answer and stated that they have a hold on these funds. Were they to use the cashiers check first, I would not have had any issues and would n't be charged the {$40.00} in fees. I would like to know why the cashiers check was not deposited first, why there is a hold placed on the cashiers check and why I 'm being charged {$40.00} in fees.
I received two notifications from XXXX stating I received money to be sent to XXXX XXXX XXXX. I closed my XXXX XXXX XXXX  back in XXXX and have no accounts there. My email should be linked with XXXX and XXXX XXXX ; however, payments continue to get routed to XXXX XXXX XXXX. I reached out to XXXX XXXX XXXX regarding this and they stated it's a XXXX issue and to contact them and were not courteous or helpful beyond " you have no accounts here currently ''.
I am a victim of identity theft and upon reviewing my credit file I have become aware of an account held by XXXX XXXX that is a direct result of identity theft. I have never had any dealings with Convergent or the company XXXX that they represent. An amount of {$1300.00} that is listed on my account does not belong to me it is fraud. I have contacted Convergent credit regarding the account IN THE AMOUNT OF {$1300.00}, 4 thru certified mail asking to verify that I owe their company any funds and for what. Ive also ask for anything bearing my signature that verifies I have obligations to pay them or have had any business dealings with them. Yet they have failed to validate according to law. This collection company is damaging my credit file and cant provide legal proof. I have not had any dealing with convergent or XXXX whom they represent. This account is a result of identity theft.
XXXX XXXX  Is Blocking me From Opening Up Checking Accounts With XXXX, Bank of America, XXXX XXXX, XXXXXXXX XXXX this Account Where Not Open by me All This Banks Account Where Open Fraudulent and i never Gave Permission to this Banks to Open Accounts. with my Permission Please Help me with this XXXX XXXX Denied All My Claims For All This Fraudulent Checking Account and Added The Block back to My XXXX XXXX Consumer Report. a Police Report and Identity Report from FTC Was send And XXXX XXXX   Denied the Information and al the Disputes where denied ...
I have money form my property that was sent to the state of Illinois as unclaimed and Chicago Title sent the money to the state and placed mistakenly placed another company on the check. I have tried for two months to get this resolved and Chicago Title will not sign the documents releasing the funds with out me having a form notarized which does not require a Notary, therefore no notary will sign the form.
XXXX XXXX, for XXXX XXXX XXXX XXXX XXXX, Tx called my sister-in-law at XXXX ( pst ) and told her they were going to arrest me for felony check fraud. She called me with the number he gave her ( this is the first time i 've heard anything about this account ) and i called him directly at XXXX. He answered the phone I told him who i was and then he said " ah, yes, XXXX XXXX we have your info right here. If you do not pay us {$1200.00} by XXXX we are going to issue a FELONY WARRANT for your arrest in XXXX County Idaho. '' I asked him what company he worked for and who he was collecting this debt for and he refused to say. He also refused to give me the account number of said debt. He told me that the debt collector he worked for had a " no contact order '' against me and that if i tried to contact them it would be harassment so not to bother. He offered to take a down payment of 60 % and payments for the remaining amount. He told me he 'd give me until XXXX ( pst ) to make payment arrangements and if he did n't hear back from me by then he would process the warrant. I asked why i had n't been notified about this sooner and he said they tried but got no answers to the letters sent. I asked what address they had for me and he refused to answer. I told him that if this debt was mine that I had no problems taking care of it and then asked to have new mail sent to the proper address so that i could verify if it was real. He said he could n't mail anything cause it would take too long, i then asked for an email of proof of debt. He took my email address down and did email me a letter. ( It 's really fake looking. Like a child could type up this letter kinda thing. ) He told me that if i wanted to avoid 90 days in jail that i would take care of it right now while on the phone with him. I told him I had to make some phone calls first before i could pay it in full if it was a real debt i owed. He told me that when i called him back that he would transfer me to the right person so that i could make payment. I then asked for that persons direct number and he refused to give that to me as well. I called my local sheriff 's department and they assured me that I would not be arrested for this and that this was just another scam and not to pay. I also called the original debtor and spoke with their collection department. I do have a debt with them and they transferred it to United Debt Holdings in 2013. She also went on to say that what XXXX XXXX was doing was illegal and that it was a scam and not to pay them a dime. She gave me the number to United Debt Holdings and told me i would get a voicemail and to leave a message. I did so after getting off the phone with her. They have still not called back. This XXXX XXXX was yelling at me and telling me that he 's just a messenger and not a debt collector but yet he 's asking me to pay money so now i 'm confused. He was very rude and refused to give me any information that a normal debt collector would have. I have witnesses to this phone call as well. I put it on speaker phone for my neighbor to hear just in case this was real.
My husband and I opened a promotional checking accounts and credit card accounts with Citibank. With us following specific requirements laid out by Citibank, if followed, we would receive XXXX XXXX XXXX miles which would be credited to our XXXX XXXX rewards accounts. We completed the requirements and have written confirmation from Citibank that we were to receive the XXXX miles on XXXX XXXX, XXXX, 90 days after our completion of their requirements. This email from Citibank was dated XXXX/XXXX/XXXX which acknowledges this. The email from XXXX XXXX XXXX from Citibank states " I can confirm that you satisfied the requirements for our promotion code to earn the bonus XXXX AAdvantage miles. '' I have attached all correspondence for your reference. On XXXX XXXX, XXXX, after we inquired as to why our miles had not posted to our XXXX XXXX miles account, Citibank sent correspondence saying that they have " determined that you are not eligible for the promotional incentives. '' This is after they have charged us their servicing fees and advised us in writing that we would receive them. I am attaching all the documentation and correspondence to this complaint. 

We have place several calls and lodged several complaints with Citibank internally, the latest being Monday, XXXX XXXX in which we are still waiting for a call back. The manager escalating this within Citibank ( XXXX in the Kentucky office ) will not give us a contact number to reach out to him for follow up, nor will he allow us to fax or email the correspondence Citibank sent to us in order to expedite the process. At this point, it seems we have hit a wall with Citibank 's lack of response and have no recourse but to formally complain through the CFPB. A satisfactory resolution would be for Citibank to give my husband his XXXX XXXX miles and myself my XXXX which Citibank promised back in XXXX of XXXX and XXXX of XXXX. Citibank expected us to honor our commitments to them, it seems only fitting that Citibank honors the commitments they made to us.
I am a victim of identity theft through mobile app from banking with Bank of America with XXXX checks deposited in my account of fraud that i have no idea of why were they deposited into my account and the Bank of America immediately located me and closed my account so now I am not able to get another account with any other bank and I just do not think that Bank of America handled my situation in a great matter because It has been over one year now and I am still not able to open another account with any other bank and other banks want to but Bank of America sent me in under the XXXX which XXXX is willing to remove the notification after the investigation that I had but Bank of America is being very rude due to the fact that I am not guilty of this situation and it is hurting me because other banks wants to help me.
Months ago I've paid debts on my credit report to Portfolio RC Acct # XXXX although I did not owe the accounts per I thought it would be faster and in good faith to do so however the hardship of my unfortunate situation of identity theft and deceptive practices to my name and credit. Portfolio then removed the negative marking from my credit report and months later harmed my credit score greater by adding the same negative marking on my report again with XXXX balance paid collection which dropped my score dramatically. this goes against the Fair Credit Reporting Act. After disputes Portfolio RC did not correct this matter. I demand this account be removed from my reports of the 3 Reporting agencies.

am aware that per the provisions of the Federal Fair and Accurate Transaction Act ( FACT Act ), also known as the 2003 Amendments to the Fair Credit Reporting Act, section 609 ( e ), identity theft victims are entitled to obtain from a business entity a copy of the application and other business transaction records related to their identity theft free of charge. Businesses must provide those records within 30 days of receipt of the victims request. 
I respectfully demand a copy of the application records and detailed billing records for this account in my name ( and/or Social Security number, etc. ) a physical contract bearing my signature from the date the service started until service ended and any other account records in your possession relating to this account. This account ( indicate circumstances such as i.e., appears on the credit report maintained for my name, as an inquiry or referral from your company, created a debt for which I am being held responsible, etc. ).
The servicer response to my previous complaint was inaccurate. The issues I am facing have not been addressed and although a new HAMP XXXX is on file with the servicer - Bank of America, the foreclosure sale scheduled for Tuesday, XXXX XXXX 2015 has not yet been cancelled even tough all the required documents have been verified as received and uploaded for review. The red tape and servicing mismanagement has not changed. Before the XXXX XXXX was even acknowledged or decided, another foreclosure sale was scheduled. Also, the XXXX dispute letters I submitted via certified mail have never been acknowledged even though I know from the green certified postal return receipt card that they were received and signed for. I am not getting a fair review of my mortgage modification requests even though HUD counselors have advised me I am eligible for XXXX or more of the programs available for homeowner relief.
I have submitted disputes through XXXX they have not sent me a contract showing they lent me something or provided service to me and I agreed to do business with them, that it needs to be deleted. I have told them that any contract with me has to be between the accuser and me with both of our signatures. I have no knowledge of this company, have never contracted with them, they are strangers to any transaction with me and are not qualified to claim that I owe them something under the XXXX of XXXX. 
I have disputed this with all XXXX credit reporting it has been deleted on XX/XX/2015. I have demanded validation from the accuser/furnisher and they have not validated with any proof of a contractual agreement between me and them.So, that is why it was deleted and now XXXX year XXXX months later they are trying to collect again on a debt when does it end it 's like a merry go around and harassment because now I have to go through the process again in order to get deleted and will just like before the time and effort us consumers are faced with these collections agencies for what nothing but wasted time and I value my credit and it 's very important to keep onto of these collections agencies.
I wish to remain anonymous. Recently, I found out that ththe Loan Officer I am working with does not have aNMLS number. I searched on NMLS Consumer Accessbut her name does not exist on the database. I didfurther investigation and found out that she hascriminal history and was incarcerated because offinancial fraud. I find this very concerning. 
Her name XXXX XXXX and she advertises her company asPacific Financial XXXX XXXX XXXX # XXXX, CA XXXX request that you look into this serious matter andrequire her to obtain NMLS number if she is to workon loans. This is very concerning to us consumers. 
Please feel free to email me XXXXXXXXXXXX. Thank you for yourhelp in advance.
A couple years ago, I XXXX XXXX XXXX and was off work for several weeks. This took a toll on our finances. Then my husband lost his job and we were struggling to make ends meet. I applied with Ditech and have been denied help on three different occasions. I have had one lady who has been nice to me on the phone. Anyone else has been very rude and not willing to help. I have been hung up on, told they can not help me, and I was told not to pay. Around XXXX XXXX, I tried to pay the amount in full that was owed and they told me not to pay it. Never gave me a reason. They said if I were to send in a check it would be sent back to me. This summer, I contacted Neighborhood housing in our county and the lady has been nothing but kind and helpful in trying to help us keep our home. She has been going back in forth with them over the last few months and they have also turned her down two times. This last time she tried again and we were denied again. This time for having too much income and the payment is affordable. The lady from neighborhood housing called and asked if they reviewed for a partial claim, where they can put 12 payments into a 2nd mortgage payable AFTER you payoff the 1st mortgage, but that would mean you would have to come up with the difference IF they cant modify, and it is not unusual for them to do both, but didnt get a straight answer, other than that it is what it is.The time back in  XXXX we were denied because investor does not participate in the FHA Standard Modification. The last time we were denied was because we did n't make enough income. I see there is a lot of complaints against Ditech and this makes me sad and very scared. We are a family of XXXX and all we want to do is pay our mortgage and keep our home. We have lived here for 9 years and  raising our family here. We do not know what else to do. We have tried working with them and do not know where else to turn. Can you please help us keep our home? Thanks so much for taking the time to read this.
I had a Sears Card thier were some issues with the card so I made an agreement to have the card cancelled and pay the debt off, I did so. Now it is showing up on my credit report as a COLLECTION. I have no idea how this happened when I honered the agreement I had with Sears.
On XXXX XXXX, 2015 my then boyfriend and I went to a Kay 's outlet store in XXXX to look at potential engagement rings. At that time an employee named XXXX began began showing us rings and at first was very helpful, however when we told him we were unsure about how my boyfriend could afford to purchase a ring he started telling us he could check and see how much he could be approved for. He started having my boyfriend fill out forms and had another employee show me other rings. Eventually he came to me stating he needed my drivers license, and a few minutes later started asking me about how much I made and where I worked. He filled out half of the form for me and then had me sign at the end. We had made it very clear that we did not want to move forward with anything and the whole time he kept reassuring us that this would just be to authorize him to run our credit scores and that nothing would be opened and there would be no commitments or obligations. He knew this was the first store we had gone to and being that he was very open and friendly we trusted him. We left without buying a ring and said we would come back once we figured out finances. XXXX ended up opening XXXX accounts for us. XXXX joint account with my boyfriend, XXXX XXXX, and I and XXXX for just my boyfriend. We discovered this when the cards came in the mail. I am very displeased with his behavior and conduct. He was VERY deceptive and obviously had every intention of opening accounts. He took advantage of us being first time buyers, he fast talked my boyfriend about him being in the military and distracted me with his other associate, showing me other rings. These open accounts have now dropped my boyfriends credit score, which he has worked extremely hard to improve over the last few years, and have put a hard hit and an open account on mine. We called customer service today and the rep on the phone said they could close it but there was nothing they could do to delete it from our credit reports. Per the customer service rep, she stated that us signing the forms, which I now realize were not credit score authorization forms they were credit cards, meant that we authorized him to open credit accounts for us, and they could not be removed from our credit reports. I understand it was my mistake for not reading the fine print, but like I said we trusted him and were caught up in the excitement of looking for engagement rings. It 's very disappointing to see that this guy preyed on first time buyers and a service member, and now the customer service is unwilling to help us, standing by the fact that what their employee did was ethical. If I need to file a police report to get this removed from my XXXX credit report with our local police I will, but I 'm hoping you can help get this resolved without having to file XXXX and submit a formal complaint on Kays employee conduct.
I received a letter from American Express Blue Sky award card on XXXX XXXX, 2017 saying my FICO score was low and I had serious delinquency on more than one account. There also was minimal activity on my account, which is true. I asked if I could reinstate the card and they took information from me and sent another denial letter. I called to redeem my points, and they asked me questions that were supposedly public record such as my drivers license, height, and the last card I had leased and they said I answered the questions incorrect and it locked up their system. They told me to call back at XXXX and they would assist me again and the system did it again. Now they want me to call back in 24 hours and they will try again. Not sure where they are pulling my information from public record, but I know exactly how tall I am and my drivers license number. I tried talking to someone in the fraud department and they just blew me off and said I had to solve this with the rewards department. What do I have to do to prove to them who I am?
Attempted to contact CapitalOne twice once with an agent and again with a supervisor on XXXX XXXX,2017 ... I paid my account in full XX/XX/2017 {$2200.00} ... which in turn I received an interest charge for {$31.00} I contacted and asked if they could waive as a courtesy as this is my ONLY balance and I have paid them more than enough interest including a late fee and both times both parties said no for {$31.00} ... I have been a customer with them for years and a no!? I am asking for your help to have any fees waived including a late fee if they charge a late fee on top of this interest charge
I have asked them to provide me proof of this debt ie {$66.00}. never been able to provide, but yet they have submitted to XXXX three ( 3 ) times. XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. Irrespective of the fact that no proof has been submitted of this debt, posting multiple times is not acceptable practices. 

Referencing prior complaint Case number : XXXX they did not remove the entries from XXXX as I clearly request where the posting was made but their tactic was to remove from XXXX as per their response below : Response disputed Harvest and Associates said : Explanation of closure Due to the age and amount of the debt, the original creditor has agreed to close the account from collection and remove from XXXX. 
Relief The debt of {$66.00} has been written off. 
{$66.00} XXXX XXXX of {$66.00} has been written off and deleted from XXXX. It may take up to 45 days for XXXX to remove the debt.
Today, XX/XX/2018 I, XXXX XXXX, opened a letter from XXXX XXXX XXXX. Their letter stated that I recently made a payment for reference ID : XXXX in the amount of {$25.00} which was credited to that reference ID. I have NEVER made a payment to XXXX XXXX XXXX for that reference ID. I made a payment to SIMM Associates, LLC in the amount of {$25.00} for account number XXXX for my debt for XXXX XXXXXXXX XXXX. At no time did I indicate that the payment be for the XXXXXXXX XXXX XXXX XXXX. I believe XXXX XXXX XXXX is miss applying payments in order to use that against me. I am requesting full fraud investigation be opened on XXXX XXXX XXXX. I did send the company an email requesting more information, but I believe this is an attempt to gain leverage by misapplying the payment an old account.