WillisBack/dataset-financial-user-claim huggingface dataset:
Current mortgage company has increased my mortgage payment for an escrow amount I did not authorize, request, nor have any knowledge of before hand. My mortgage loan closed without an escrow account. I paid my insurance policy in full at closing. Any communication between my then insurance agent and mortgage company was not communicated to me. Current mortgage company acknowledges this account is not escrowed from inception date. The was and active and paid policy in forced at time of closing.
I have had a Capital One credit card with a credit limit of {$10000.00} for many years ( more than 5 ). I have never missed a payment. Yesterday ( XX/XX/2018 ) I received a letter from Capital One advising me it had closed my account because my " useage of the account was not in accordance with Capital One expectations of how the card would be used ''. I called to ask for an explanation. I was told I receive no such explanation and that I could not talk to a supervisor or anyone else who could or would explain why exactly my card was being cancelled. I suspect, but do not know, because I was not given the courtesy of an explanation, that Capital One disliked the fact I would make my payments in a timely fashion each month, and then charge up to the amount of each payment. I was never told I could not do this. And I am only guessing because Capital One is forcing me guess and speculate. At a minimum Capital One is guilty of Unfair and Deceptive Trade Practices and Predatory Commercial Conduct.
Hi I fell on hard times recently and my checking account was overdrafted due to my bills being on autopay with my checking account. I've been working towards getting the money to fix it but I keep being charged more and more fees making it almost impossible to make my account positive again. I went to my local huntington bank and talked to them about my account and fixing it and tried to get fees taken off and to stop more fees from coming out. I figured they would help me out since I've never overdrafted before but they only refunded one fee out of 10+ fees. I opted out of their 24hr overdraft program to make sure anymore bills wouldn't try to charge my bank thus resulting in another fee but my gas bill just charged and now I received yet another fee. I canceled all my autopay bills as much as I could remember so it shouldn't happen again. Huntington was my first and only bank account since I was XXXX and I don't want to leave but this is just ridiculous 41 % of my total balance owed as of XX/XX/18 are fees! Nearly half. I know I screwed up to let this even happen but it seems like huntington is trying to make me fall down lower and lower to a point of no return and not help at all it really doesn't make sense to me. If this happened to most of the people I know they just wouldn't pay anything at all and forget about it. But I couldn't do that I just don't understand how they expect someone to pay them back when they keep charging more fees than a lot of ppl can make in a day.
XXXX - XXXX, XXXX calls me incessantly about a debt they purchased from Cavalry SPV I , LLC. I know Cavalary as a pending class action law suit as a result of their unethical attempts to collect debts via repeated phone calls even after the consumer requested not to be contacted any longer. The debt is nearly TWICE the age of the statute of limitations age - seven years here in SC. 

I 've asked on four different occasions in one week for them to cease contact. When you call their XXXX number you 're usually put on hold until some rude customer service representative answers. I was told that if I simply paid the debt, then they would stop calling. I informed XXXX reps that I was going to report them. 

One person hung up on me and one rep informed me that due to the age of the debt and law limits, their client, Cavalary, SPV I, LLC, will not sue me for the debt and will not report it to any credit reporting agency, but offered to settle the account for a one-time payment of {$630.00} if I provided a credit card via phone. Why on earth would I " settle '' a thirteen year old debt that continues to be sold for pennies on the dollar, if according to law I am no longer responsible for the debt? Then, that rep hung up on me as well. 

I also have a letter dated XXXX XXXX 2016 from XXXX XXXX , XXXX stating their client will not report it to any credit reporting agency and I can not be sued for the debt because of its age, yet they l continue to call repeatedly to collect a debt which is thirteen years old. 

I 've since blocked their number, but they continue to call.
XXXX XXXX XXXX Chase Bank has closed my credit card account ( s ) without warning or any notification. I have been making my payments on time. I am overseas and asked a friend to make my payments. I would send him the money and he would make the payments. Last payment made XXXX XXXX XXXX. 
I have ( had ) two credit cards with Chase. 
XXXX XXXX and XXXX XXXX. One had a ( XXXX ) balance the other approximately {$650.00} balance. Both accounts were closed. 
PLEASE HELP. 
XXXX XXXX XXXX
I applied for the Keep Your Home California program which would have assisted me with receiving benefit assistance up to XXXX to be applied to my principal balance. SPS has refused to allow me to participate in this program that could potentially save my home. It appears to me that I may be retailiated against due to reporting them to various other government agencies after numerous HAMP home modification loan denials.
Each time i applied for driving job, my background check came back not favourable simply because of inaccurate information or perhaps CFPB has not updated/reconcile my driving record with XXXX. This has not been treating me fairly. I have ordered my driving record at XXXX and also send to the company that is trying to hire me, but i also need you to reconcile and update my driving records in line with XXXX records. Thanks.
I signed up for a Citi checking bank account. 
There was a promotional offer advertised on their website. I fulfilled my obligations and met the requirements for me to earn the { {$400.00} } bonus. I waited the required time frame of XXXX days and Citi has failed to honor the bonus offer. 
My request is for Citi Bank to honor the bonus by paying me my { {$400.00} }
CREDIT CARD FRAUD or INTENTIONAL BANK NEGLIGENCE? 


Dear friends, A new client retained me to provide professional services on website development. He paid over the phone in four ( 4 ) installments using credit cards that later turn out to belong to other people and were apparently used without their knowledge and consent. Note : using different credit cards is not unusual in my experience and, though they had different zip codes, they were all under my clients name. 

Bank of America, the bank Ive used for about 20 years, successfully processed and approved these transactions but then reversed the latest one due to unauthorized credit card charges. During the last week, I was contacted by the cardholders of the credit cards used for the other three payments inquiring about such charges because they did not recognize them. 

At this point, it looks like I was subject to a scam. My clients gain was that he got me to pay, on his behalf, the graphic designer he hired by depositing directly into the designers bank account, also with Bank of America, given that he could not receive payments online ( {$5000.00} in total ) This is not only a frustrating situation but a financial drawback that can not come at a worse time. I engaged the police department and the FBI not only to report a crime but because this problem goes far beyond what happened to me. In my view, it is not right for a financial institution to serve as a facilitator of criminal activities instead of working to minimize/prevent security risks for their customers and then dumping the responsibility and losses on us, the business that use their big platforms to process payments, and that is exactly what they did. 

I hope the documents submitted along this description provide all the information and details needed to illustrate and support my complaint. Such documents include : 1. A chronological list of the interactions with the person I believed to be a legitimate client ( as requested by the Police Dept. of XXXX XXXX, FL ) as well as a description of what took place in each one ( though rare, his requests were not totally unusual ; Ive dealt with pretty difficult and weird clients throughout my long professional career but never before was I subject to a fraud ). 

2. eMail chains with client ''. 

3. Invoices : - to client '' - from the client 's designer to me. 
- quote for a 2nd website " client '' requested. 

4. eMessage chain ( except for two phone calls and a few emails, most of our conversation was through eMessages ).
5. Screenshot of Merchant Transactions. 


I will certainly appreciate any advice and help you can provide in order resolve this situation or to point me in the right direction to seek legal action against Bank of America, including possible class actions that you may know are already being advanced against them regarding this type of what I would describe as deceiving and predatory financial practices. 

Sincerely, XXXX XXXX
On XXXX XXXX, I received a phone call regarding a debt for an amount I had never been billed by a former landlord. I told the collecting caller I was contesting the debt, and they said they would send me a letter with next steps. This man was respectful and assured me the company would not report to the credit bureau without giving me a chance to formally dispute the debt. I did not receive any mail from them after this call. 
On XXXX XXXX, I received a second phone call. I told this new man I had never received any paperwork after the call on XXXX XXXX. This man told me a letter had been sent, then he berated me and threatened to report me to the credit agencies. He also refused to send debt verification. 
On XXXX XXXX, I called Fidelity and spoke to a very nice, professional man and explained that I had never received any paperwork but had received several phone calls. This man told me he would send me new paperwork. I finally received the first formal, written communication on XXXX XXXX. 
I disputed the debt in writing and sent two copies - one with tracking and one without, on XXXX XXXX. I asked them not to contact me again by phone and to send all further communication in writing. 
XXXX XXXX XXXX never responded to my letter. On XXXX XXXX, I received another phone call, despite the fact that I had asked them not to call me, as per my legal rights. 
Additionally, I found out the company had dinged my credit report twice. Once on XXXX XXXX, and once on XXXX XXXX - both occasions were AFTER I disputed the debt - however the debt was not reported as a disputed debt. This company is choosing to ignore both my request for no further calls and my right to dispute and is maliciously trying to hurt my credit.
Debt in question was for medical services performed over a year prior. The insurance company says debt is not owed. Debt collector advised me to just pay so it goes away and was extremely insulting on my own understanding of the facts and circumstances. Would not accept an electronic signature on a release form or speak to the debtor in person.
In XX/XX/XXXX, I went to Speedy Cash at XXXX XXXX XXXX, XXXX, CA XXXX. I m a returning customer who requested a payday loan, but the store representative could not locate my account. She created a new file and had me complete a new application. I was advised by the store representative that a soft pull would be conducted on my credit report, and I would not receive a hard inquiry if I turned in an application. I found out weeks later that I did receive a hard inquiry under the name XXXX XXXX, also known as Speedy Cash. I went back to the Speedy Cash in XXXX and told the manager XXXX what happened. She also stated it should have been a soft pull. I told XXXX if I knew there would be a hard pull, then I would have never applied because I can't afford any inquiries at this moment. 
She provided me with the Corporate phone number XXXX, and the email : XXXX. I called and spoke to the representative XXXX XXXX and explained the situation. I was assured by the representative that the hard inquiry would be removed due to the nature of the incident. As of XX/XX/XXXX, the inquiry remains on Equifax. 
The remedy I am seeking is to have the inquiry removed from all credit reports.
I am behind on a payment on my loan with One Main Financial. I specifically put in writing and requested they no longer call me at work. The branch manager agreed in writing and said they would remove my work number. They have started calling me again at work and even left me a message on my work voicemail. The dates this occurred was on XXXX XXXX XX/XX/18, XX/XX/18, XX/XX/18, at XXXX XXXX, and today left a voicemail at XXXX XXXX  today. Their contact information is below. They have my cell number and have also been leaving multiple messages a day on this voicemail as well. 

Branch Manager : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX ( XXXX ) XXXX : ( XXXX ) XXXX Email : XXXX XXXX
I sold my car back to VW as part of the diesel settlement. The car was financed with VW Credit and when I sold the car back on XX/XX/XXXX, they only gave me credit for the payoff amount as of XX/XX/XXXX, when the buyback was approved. I was told VW Credit would refund the difference to me once paid off. 
VW Credit is delaying sending me back the over payoff of the loan. They first are saying they did not get the funds from VW corporate to XX/XX/XXXX, 14 days after car was sold back to them. They are now stating they need 17 days to allow their internal transfer to " clear ''. They are stating even after the transfer " clears '', they will take 2-5 days to issue a check and another 7-10 days to mail the check to me.
XXXX XXXX XXXX in XXXX XXXX, FL lied to my face about having to take out private student loans to finish my degree. Private loans were never mentioned one single time by anyone at this school, they would just tell me I needed to fill out my loan paperwork otherwise I would not be able to continue my education and would be kicked out. Only after I graduated and started repayment did I find out that about XXXX % of the loans taken out in my name were high interest private loans. If I would have known this from the very beginning I most likely would never have signed the enrollment agreement and attended this school. They committed predatory lending on a huge scale and have scammed thousands and thousands of young people who were straight out of high school and did n't know any better. They have ruined many kids financial futures. I am XXXX years old now and still struggling with the mistake of attending XXXX XXXX when I was XXXX. XXXX XXXX is being sued by over a dozen attorney 's general for their shady practices, the CFPB for predatory lending and the SEC for fraud. If you look up XXXX XXXX 's reputation on XXXX you will see that they are a complete scam and many people 's lives are ruined because of them. My campus in XXXX XXXX, FL has been consolidated with the campus in XXXX due to their plummeting stock price and decreased enrollments quarter after quarter. This company is sinking and their predatory lending and illegal practices is what caused it. These fraudulent and predatory loans are backed by USA Funds , Inc. I have used {$6500.00} of inheritance money from my dead grandmother to pay these loans down and it is the only reason why I 've paid down the principal balance to any reasonable level. These loans are complete fraud.
I have been disputing a medical debt collection notice from " XXXX '' since XX/XX/2017. I received a notice from XXXX XXXX that they had disclosed an account from XXXX XXXX  XXXX for {$420.00} up for collection, opened on XX/XX/2017 on my XXXX report. I have never received a call or a letter from them saying that I owe this amount at any point in time, and disputed the error several times via XXXX using XXXX XXXX. 

I also received the exact same amount from a separate debt collector, " XXXX XXXX XXXX XXXX '' that I sent in a separate claim about for XXXX XXXX XXXXXXXX XXXX. They have closed that account. I still have not received any mail or calls referring to this matter from XXXXXXXX XXXX XXXXXXXX or the XXXX XXXXXXXX, and therefore can not be sure of its validity or that it is even my debt in the first place.
Hello, My Citibank credit card was charged {$290.00} on XX/XX/XXXX by an Internet merchant named SP XXXX XXXX XXXX. I notified Citi on XX/XX/XXXX this transaction was unauthorized. On XX/XX/XXXX, Citi provided documentation from the merchant alleging merchandise was shipped to my home address and the transaction was deemed valid and applied to my account. I assured Citi I neither ordered from this merchant, nor received any merchandise. Also, the email address on the order is unknown to me ( XXXX ) and the IP address indicated the transaction was from Michigan. I was nowhere close to Michigan. I reassert I did not participate in this transaction nor did I authorize anyone. I urged Citi to obtain the carrier information to support my claim. Are you able to assist as I believe the merchant has falsified documentation in order to avoid a chargeback?
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 
XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXX XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXXXXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXX XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXX / XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete
Two a go, I ran my annual credit report and found that there was an unauthorized credit card applied and obtained. I have already notified credit card institution about this. Since then, I froze my credit on all three credit reporting agencies. 
I am trying to dispute credit inquiry and dispute incorrect address and credit card delinquency on my Experian report. When I try to do it via online, it tells me to call their number, XXXX. When I call that number, I get two options, about paid membership and how to get that. No option for dispute specialist. When I XXXX their contact number, XXXX, from their website as well. When I call that new number, I get the exact same prompt. I am stuck at a point where I can not dispute it online or get anyone on the phone. I sent a twitter to them, they don't response from there either. I need help.
PHOENIX RECOVERY GROUP out of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX has falsely claimed that I owe a debt in which I did not accrue. Additionally they have reported to the 3 credit bureaus that I have missed late payments with them. This fraudulent claim has dropped my score from XXXX to XXXX.
There was a fraudulent debit transaction on my Chase account on XX/XX/XXXX for {$140.00}. I notified chase of the transaction on XX/XX/XXXX. I notified Chase on XX/XX/XXXX that my debit card was missing and that I believe the card and PIN number had been stolen on XX/XX/XXXX. I explained in detail that I had mistakenly believed I still had possession of the card on XX/XX/XXXX. I called Chase for a third time on XX/XX/XXXX and was told that my claim had been denied and that Chase was not going to reimburse me for the amount {$140.00}. I told them that I wished to dispute this decision because they are in violation of federal law ( Regulation E. ) I told Chase that because I notified them within 60 days of this fraudulent transaction I should not be liable for more than {$50.00}. I was told by Chase that there was nothing else they could do concerning the matter.
A payment was sent as an ACH Transaction from my Bank ( Chase ) in the amount of {$830.00} on XX/XX/2018 to Address : XXXX XXXX XXXX XXXX, XXXX, TX, XXXX. I have called the number on the back of the card and spoken with this department 8 times and was told, eventually, that the payment had been rejected, yet it never showed back up in my Checking account at Chase Bank. I have also spoken to personnel at the Credit Union and Chase Bank on several occasions each. The Credit Union told me it was not their problem and I needed to take it up with XXXX XXXX. XXXX told me it wasn't their problem and I needed to take it up with my Bank. Chase researched the matter and I was given a temporary credit to my checking account. After looking into the matter the credit was taken back out of my account with the explanation that the payment had been rejected by XXXX  but was not returned to my checking account. In Chase Bank 's own words, this did not " Constitute a fraud '' therefore they were not liable. This leaves me with making 2 identical payments for the same balance. I used the credit they gave me to pay off the credit card by sending the payment of {$830.00} directly to the Credit Union that issued it to me ( XXXX XXXX XXXX, XXXX, TX ). But when the {$830.00} was taken back out of my account, that left me with a deficit of {$830.00}. The original payment of {$830.00}, made on XX/XX/XXXX, that was never returned to my account, and an additional payment of {$830.00} that I sent to the CU to pay off the card. I have provided a proof of payment to the Credit Union,  XXXX and Chase Bank, but in the end, I was left with a loss of {$830.00}.
I have reached out over the past two days and requested Citibank to reapply my previous payments to the promotional balance on my account. I specifically set up my payments to be enough to pay off my promotional balances. In addition I had a previous balance that I believed to have had paid off and they still charged me hundreds in interest. When I set this card up, I was told my payments would go to first the minimum payment owed on any balances on accrual. Then additional funds would be applied to my Promotional balance. This was a lie, and a lie to obtain additional funds XXXX. When I noticed the issue, I requested reapplication of the funds and a review of my account. They responded with a 8 step payment processing order. Which after I reviewed appears to have direct violations in relation to Reg Z as well as the Card Act. I continued to request and even offered to inform them of where within the regulations they were violating. The response I received again was that they are in accordance with the law. They then provided me steps on how to change how my payments are applied and those steps were inaccurate. These steps were part of an automated response and falsely informed me as a client the steps to take to have my payments applied correctly. When I pushed back and explained that there automated response was not only wrong but also a system XXXX issue given it provided and disclosed information. They came back and apologized for the miscommunication and told me to call a number. I understand they are regulated by the OCC however, I  hope the CFPB could do something to assist me.