WillisBack/dataset-financial-user-claim huggingface dataset:
Hello received a call a few months ago about a Consumer Debt reduction plan called XXXX XXXX XXXX to lower my dept by lowering the APR 's on my credit cards. I told the guy it really looked too expensive ( 5 payments of {$170.00} per month ). I asked if I could cancel at any time and the guy selling me the service I could at any time and texted me an ACH Payment Auth form that said if I wish to revoke this auth and cancel any scheduled debit to my account I can do so within 3 days of debit and to notify them at XXXX XXXX XXXX XXXX. They had me agree on the phone and they talk so fast and they said that should they not do their job I 'm entitled to a full refund. So I called in XX/XX/XXXX to cancel and the person said ok. On XX/XX/XXXX my account was debited. When I called this time. I could told I did a verbal commitment and could not cancel and they will continue to debit my account because ( I ) did not finish the business with them. They also told me they will report it to the credit bureau until the full amount was paid. Nothing is in righting and if I would have known that the contract was irrevocable I would have never agreed to such a thing. Please help me cancel with this company. All I have is a phone number and they are very rude and refuse to cancel. They make me feel like I 'm abusing them and I signed a mtg agreement. This is misleading and wrong. Please help me. They 've deducted two payments of {$170.00}. Now I may have to cancel my whole bank account and have so many auto debits it 's going to be a real hassle. Please help me.
On XXXX/XXXX/17 I went to a frost ATM and tried to withdraw USD XXXX using a XXXX XXXX XXXX card. The ATM cancelled my transaction but I was debited the USD XXXX plus commission. I was never given the money and my XXXX bank started the investigation on that day. I was denied said investigation and my XXXX bank states that in fact I received the money which is not true. 
I have requested several times from Frost Bank to provide me with a copy of the recorded cancelled transaction made on that day from that ATM to which I have been told that there is nothing they can do and no copies can be given to me. 
I need Frost bank to provide me with a copy of said transaction so I can prove to my XXXX bank that in fact I did not withdraw said amount of money.
There was nothing to explain further. I have been sending letters to Equifax for months now and I have repeated myself over and over again. 
I have never filed a bankruptcy all my life, this is not mine..I asked for evidence but they failed to supply..CFPB delete Bankruptcy : Discharged CH-XXXX XXXX
I have been trying to get a loan modification on an FHA loan for over 2years. I was unemployed and now working XXXX jobs and my father has committed to assisting me with paying my monthly bills. Bank of America has refused to assist in making my monthly payments affordable, continuously request the same documents, change contact representatives, refuse to provide documents related to the loan, account and other information, and failed to review the most recent application and requested that I resubmit. I believe I am a victim and the bank is guilty of improper handling of my account and it is more of a financial incentive for them to foreclose at this time versus modifying the account and allowing me to remain in the home and make an affordable payment. I have done everything I know to do asked what income will allow me to stay in the home to get additional income and they have refused. I was told by a representative to " make sure I have a plan B ''. 
I would appreciate any help as it relates to this matter.
I was renting a salon space from  XXXX   XXXX  inc. I was allowed to break my lease because they had a tenant ready to take my space over. I moved out and was at a   XXXX   balance. One week after move out I went back to the space and another tenant was in there working. I was told I would be responsible for rent if no one moved in. So fast forwa rd 2 yr s later I get a letter of collection, stating I owe  one  month rent plus late fees. I never once received a bill. I requested my statement from  XXXX   XXXX  before I made any disputes. My billing statement was closed out  XXXX  owing {$250.00} fore cleaning and repainting fee. I moved out in  XXXX  no where on the bill was I charged for  XXXX   XXXX  rent or late fees. Now all of a sudden I owe almost {$1400.00}. I have spoken with the owner who did not have a answer as to why and then told me just deal with the creditors. I have dealt with the creditors which are n't of any help and the forged a document stating what I owe because I requested documentation from them more recently and it 's absolutely not the original document I received before I went into disput with them.
I am a customer of Sun Trust Bank XXXX XXXX XXXX branch. On XX/XX/2018, I submitted a check ( I am the beneficiary of the check ) amounts {$1500.00} and asked about whether the check has a risk to return. Also, I asked if it returns there is going to be or not any fee on me. The employee informed me that if the check is deposited in the following hours it means there is not any risk of return. Then, I asked when the amount can be deposited to my account and she told me that I should check my internet banking for the following hours. 

When I saw that the check is deposited in my account and my balance increased in the amount the check I spent {$1300.00} due to trusting this deposit. Then, on XX/XX/2018, the bank returned the check and I lost my {$1300.00}. I applied to the bank for compensating that amount but they explained me that the deposited amount is a courtesy fund of the bank and it is debited if the check returns. 

However, as a consumer, this information was not provided me. In contrast, by depositing the amount in my account and by being informed that if the check is deposited there is no risk of return, I am misinformed. I request you to make bank indemnify my loss.
In  XX/XX/XXXX  I took out a credit card at   XXXX   XXXX   with tidewater finance company, not long after I lost my job and had   XXXX   XXXX    making the payments, I was in contact with someone regarding that and let her know I would take care of it. On  XX/XX/XXXX  I called to pay off the entire balance I owed. I was told ( by an automated machine I believe ) that total amount I owed was  XXXX  so that 's what I paid. I immidiatley received a bill for 40 something dollars, I contacted the phone number with no answer after waiting FOREVER ( over 30 min ) then decided to email the lady I had been in contact with, she simply responded with my new balance ( now in the 90 's ) and said to contact them when ready to pay it off. I told her I did n't understand where he charges came from and how I owed more money she said this is what i owed and if I know a name, time and date of someone I spoke with she would look into that. Next I started receiving emails saying this was a supervisor trying to resolve my account, I would let them know what happened and no response. Eventually I started forwarding them emails I had already sent in reply.
ALSO every single day and sometimes multiple times they call me ... but never a live person just a call us back recording, and if I called back I NEVER received a human on the phone to be able to dispute these charges which now are up to   XXXX   and I have n't even used it!!!
I 'd like to be able to speak with someone and dispute these charges and get it wiped from my credit.
XXXX XXXX XXXX did not have my authorization to pull my credit report. The inquiry made by XXXX XXXX XXXX on XX/XX/17 has been in dispute for unauthorization of pulling my credit reports. I have been disputing them for the last three months. I have disputed with the credit bureaus. During this period, I have yet to get a response in the mail. I have sent certified letters with return receipts proving they accepted the mail. Again, they have yet to respond with written or oral proof of my authorizations. The listed unverified inquiry has been proven invalid. XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, XXXX, Inquiry Date XX/XX/2017 Address listed on credit report is invalid. I received returned mail on the address listed because it was unclaimed. Mail was unable to forward because there was no other address listed to send the letter. This business can not provide an original signed agreement or oral recording of my consent giving authorization for them to pull my credit report. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete. Please help me to get this business to delete the inaccurate and unverifiable inquiry from my credit reports immediately.
An account was opened in my name with XXXX XXXX that I did not do! Ive disputed this several Times with no luck. Now its in with a collection agency. I want this removed cause its not mine. Please help me XXXX XXXX XXXX {$4500.00} Dates from 2015
I am a victim of identity theft. Several years ago my office was broken into and several ID documents were stolen. I filed a police report and have attached it to this complaint. My credit file was accessed without my knowledge or approval online without me being physically present and showing an ID. I did not authorize the credit inquiry on the following dates from the following creditor : Bank of America Dates : XX/XX/XXXX XX/XX/XXXX
XXXX XXXX and I in XXXX 2016 came to a Settlement Agreement, at the time I was represented by an attorney. Additionally, XXXX XXXX, 2016 in the letters in the link I 'm providing you will see that XXXX hired XXXX agreement a 2nd law firm to collect on the debt. Why would XXXX XXXX do something so careless other than to harass and abuse me? 

Please know I am a XXXX citizen. 

The file is too large to attached to the CFPB portal so I have enclosed a link for all the details. XXXX I am requesting that this issue be investigated by the Special Investigations Unit of the CFPB. I am no longer represented by an attorney. 

Why would any company do such a thing other than to violate the FDCPA, RFDCPA, and a whole slew of other laws. Their intent is clear that they wish to harass the XXXX.
I surrendered my home at XXXX XXXX XXXX in XXXX XXXX Illinois to XXXX Portfolio Services on XXXX XXXX, 2015 per their Deed in Lieu protocol. 
I eventually received my relocation assistance XX/XX/XXXX after numerous phone calls in which I was given false or no information. 
As a result of this unnecessary vacating the property ( it is still empty 10 months later ) I was forced to spend on HOA payments ( they are seeking over {$2000.00} from me ), duplicate utilities and expense of physically relocating I find myself in financial hardship once again. 

I could still be living there with my assistance in tact had SPS not forced me out and caused me to deplete those funds.
We are a regulated mutual fund. 
Signature Bank opened the account on XX/XX/XXXX, after a process that lasted 2 months ; the account was funded with $ XXXX shortly thereafter with a transfer from our own account with XXXX. On XX/XX/XXXX Signature sent a letter stating that the account will be closed on XX/XX/XXXX. They didn't provide any explanation for that. 
We contacted them by email and phone but they didn't explain the reason for their decision. 
I talked on the phone with Mr. XXXX XXXX, " Senior Vice President and Group Director '', who arrogantly told me that " compliance would not disclose the reason '', and that we can tell to our investors " whatever we want '' about this problem. He added that " banking is a privilige, not a right ''. 
The only activity carried on on the account was that first incoming wire from our own account with XXXX bank. 

We would like to know the reason why the account was closed. By knowing it, we could find a way to remedy if there is something wrong or something that the bank doesn't like. 

With this action the bank is causing harm to our investors, who are facing huge losses as a direct consequence of the closure of the account ; this also has consequences on the sales of securities in the USA. We believe that while a bank has the right to close a customer 's account, it also has a fiduciary duty towards its clients and in general towards investors and the marketplace.
I am financially struggling. I called and offered to pay XXXX dollars a month towards my debt until I could get back up on my feet. A-1 refused to take my payment and said they would be garnishing my wages. He even said he would sleep just fine at night knowing I would n't be able to eat if he garnished my wages.
I was contacted by a Rose & Associates regarding a supposed old debt from a XXXX XXXX XXXX out of XXXX GA. They told me if I did not agree to pay {$300.00} in 10 days, that attorney fees would be garnished from our checking account. I made a {$50.00} payment over the phone. They called from a XXXX number but told me they were out of XXXX The number that called me was XXXX and the lady was XXXX. They also emailed me a confirmation. Something did not sound right so I googled and found many complaints, leading me to the suspicion that they were a scam and now they have my credit card info.
The website is totally inconsistent. I easily obtained credit reports from XXXX and XXXX but Experian will not process my online request and will not let me resubmit the request. I have no idea of how to dispute this with Experian. They should be required to have a live customer service number.
I NEED TO KNOW IF THERE ARE NEW FEDERAL LAWS THAT STATE SOMETHING TO THE EFFECT OF HOW LONG A PAID MEDICAL COLLECTION CAN STAY ON YOUR CREDIT REPORT AND WHAT STEPS I CAN TAKE TO REMOVE THIS FROM MY CREDIT REPORT?
I disputed  XXXX  accounts with  XXXX   XXXX  with the  XXXX  major credit reporting agencies. The results of the dispute was that the accounts from  XXXX   XXXX  were removed  XXXX  file number  XXXX ,  XXXX  #  XXXX  and  XXXX  #  XXXX . The  XXXX   XXXX  accounts were removed. However, beginning in   XXXX  2017    a new company calle d LVNV FUNDING, LLC b egan collections on the removed accounts. The accounts were already removed by  XXXX   XXXX  and should not be reflected by a different company.
I opened an account with XXXX in XXXX to the best of my knowledge I closed it in XXXX when I moved. I paid all of my bill due at the time I moved. Well from what I am understanding they then charged {$49.00} for disconnecting the service after I paid the last bill. I never knew about that charge, nor was I ever contacted, my phone number is still the same from back then. So in XXXX when I learned about credit reports and how to check them I learned this was on my credit report. So immediately I paid the account no questions. It now shows a late payment on my account in XXXX and is damaging my credit score. There was no effort to contact me what so ever, and there is no record of positive account payments either, only this one negative remark that is harming me because I paid it. It doesn't seem right to me that a {$49.00} fee that came from out of nowhere after I paid the final bill should be able to harm me for 7 years. This is not indicative of who I am as a person nor consumer and is the only negative info I have on my credit report. I would ask at minimum that this be removed from my credit report so that I can have a clean credit report going into buying a home. My interest rates can be effected by this account and just doesn't seem fair in my opinion. Thank you for your time and hopefully this can be resolved quickly!! 

XXXX XXXX XXXX
From : XXXX XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX . 
XXXX, XXXX XXXX Email : XXXXXXXXXXXX Telephone # XXXX To : Chase Credit Card member Services XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Re : Chase Credit Card # XXXX On XXXX XXXX, 2016, I used convenient check # XXXX, issued by XXXX credit card, payable through XXXX XXXX to transfer a balance from Chase credit card # XXXX. I send check # XXXX, in the amount of {$6400.00} on XXXX XXXX, 2016 to Chase Card Services. Chase credit card tried to cash check # XXXX twice on XXXX XXXX, 2016 and XXXX XXXX, 2016. Check # XXXX, was returned to Chase Credit card uncashed for insufficient funds ( NSF ) reason. 

On XXXX XXXX, 2016, I had a conference call with XXXX credit card account manager and Chase credit card account manager, during the conference call, Chase credit card account manager confirmed to XXXX credit card account manager that check # XXXX was returned twice uncashed due to NSF. XXXX credit card account manager told me that he will open a special internal case about this check. 

On XXXX XXXX, 2016, I called Chase, spoke with an account manager from the payment department, she stated that they tried to cash check # XXXX once, it was returned on XXXX/XXXX/2016 for NSF. 

On XXXX XXXX, 2016, I received a letter from Chase stating that check # XXXX was never cashed. See attached. 

On XXXX XXXX, 2016, I received a letter from XXXX credit card stating that check # XXXX was cashed by Chase card services on XXXX XXXX, 2016. I called Chase credit card around 11 times and they assured me that the check was never cashed. See attached cleared check and confirmation from the FEDERAL RESERVE SYSTEM. 

I am writing to you to investigate the matter, since I have been going back and forth between XXXX and Chase credits cards since XXXX XXXX, 2016, without any positive results. All I am asking for is to get a credit from Chase for {$6400.00}, since check # XXXX was cashed by Chase on XXXX XXXX, 2016.
Portfolio Recovery Associates hasn't any correspondence in reference to this debt opened XX/XX/2015 {$750.00} and hasn't responded to my letters sent. This company isnt bonded in Georgia to collect debt.
THE ACCOUNT WAS CLOSED BY BANK OF AMERICA DO TO A SIMPLE FIRST TIME MISTAKE THAT I DID NOT KNOW ABOUT ... BUT THE COMPLAIN IS ABOUT THE TRAVELING REWARDS OF XXXX THAT THEY ARE SAYING THAT EXPIRED DO TO CLOSING OF THE ACCOUNT ... BUT NEVER RECEIVED ANY KIND OF NOTICE ... SEE ATTACHED FILES. THANK YOU XXXX XXXX
I have a checking account with Capital One. 
On XXXX/XXXX/2015, I deposited a handful of cash notes at a Capital One ATM machine ( ATM # XXXX ) at XXXX XXXX, Virginia at XXXX. However, the money was not deposited but was eaten by the ATM Machine. The ATM Machine returned to me a slip listing the ATM #, the time stamp and the date with a comment " We encountered a problem returning your cash. Please contact your financial institution ''. 

I called Capital One debit card number at XXXX around XXXX. I was told by the recording that the staff has gone for the day, I need to report the claim after XXXX the next day. I called the Capital One again on XXXX around XXXX, and reported the claim. The representative asked me to give a ballpark number of how much money I deposited and got eaten, at that time I could not tell, because I did not count the cash when I made the deposit ( I have never had similar experience in the past so I forgot to do so ), but I indeed put in a handful of notes. I gave a number of {$500.00} maybe, so the representative told me that they would deposit this amount of money into my account first within 3 days or so, and the claim would go through investigation for a couple of months. 

Afterwards, I counted all the money in my wallet, and compared all the cash return, all the transaction info I have had. This information led me to believe that I probably had over {$900.00} deposited and eaten. So I called Capital One again mid XXXX to report this amount, and got another {$500.00} temporary deposited into my account. 

Today I received the decision letter listing '' After looking into it, we 've approved {$100.00} of the {$500.00}. We had to deny the rest of your claim because of : We checked our ATM records and they do n't show an error for this amount '' My claim number is XXXX. 

I do n't know where this {$100.00} comes from and what it means. Does it mean Capital One finds that I only deposited {$100.00} into my account on XXXX and eaten by the ATM, or it was only a money as comfort. The whole experience has been tedious and frustrating. Nobody contacted me during the 2 months ' claim investigation, and I was not told how much money was eaten at all.
I have sent several letter to all three reporting agencies asking them to show proof of my signature or that the account is mine and they have not shown proof. never late. delete
Since XX/XX/2019 I have been receiving unwanted harassing telephone calls on my cell phone from a company called Midland Credit. I have been called from ( XXXX ) XXXX on XXXX at XXXX XXXX and again on XXXX at XXXX XXXX, after which I blocked the number, as I do not have any debts and don't even have a credit card. Since then they have called me from ( XXXX ) XXXX on XXXX at XXXX XXXX  ( blocked ) and just this morning from ( XXXX ) XXXX at XXXX ( also blocked ). This company has a notorious record of harassing innocent people seemingly at random with daily unwanted and unnecessary phone calls. They don't even leave a message so I don't want to have any direct contact with such unscrupulous people. I want this stopped and if they don't stop these calls I want to go on record that I feel I deserve financial compensation from them for enduring this abuse.
My loan started at about {$35000.00}. I consolidated the loan to lower my monthly payment. Then, I could not make my monthly payment. My business failed.So I had to file for Chapter XXXX re-organization and I did pay every one back. I wanted to paid the student back but the late fee 's and Late Interest Fee 's ballooned to {$40000.00}, {$50000.00}, {$60000.00} ... ... .. to now {$140000.00}. 
Plus according to XXXX XXXX they are adding about {$4000.00} each month until I am out of default. I think it is unreasonable for me to pay {$3000.00} per month on a {$35000.00} loan. 
Even if I paid {$500.00} per month back. I would never be able to pay this loan back. If I paid {$4000.00} a month back it would take me over 27.5 years to pay it off. I am XXXX XXXX XXXX today. So I could complete my outstanding debt at age XXXX at {$4000.00} per month. Please help reduce these Fee, s, Fines, High Interest Rates. 
I am willing to paid back what I owl but without over {$100000.00} in penalities. 
Sincerely, XXXX XXXX XXXX XXXX
I disputed an item on my Experian credit report, reported by XXXX XXXX which has been sued by NC Attorney General the CFPB, FTC and several States for trying to collect money on loans that consumers did not owe. Even after i supplied Experian with all the supporting documents they refused to delete this item. They sent me a letter stating that they would not investigate this item any more. What else do they need.