WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018 I went to the assigned U.S. Bank Branch, Surprise, AZ XXXX to withdraw the usual {$740.00} from my XXXX XXXX XXXX Account ( early Direct Deposit monies ). 

XXXX XXXX only allows {$750.00} cash deducted daily so that is why I deducted {$740.00} as money has always been paid in {$20.00} bills. I have done this for four years, however, on this day the bank started using {$50.00} bills -- I only received {$540.00}. 

Immediately I ran into the bank with my {$540.00} to complain. Even opened up my XXXX Online XXXX Account which did show a {$740.00} deduction. The Bank 's manager, XXXX XXXX said there was nothing they could do, that I would have to contact my own bank. I did call XXXX XXXX from the U.S. Bank lobby and filed a " dispute. '' I was told the money could be replaced within 10 days and then up to 45 days to investigate. Ten days later XXXX XXXX sent me an email and informed me it would take until XX/XX/XXXX to investigate -- I did not the {$200.00} as promised. 

So today, XX/XX/2018, XXXX XXXX sent me an email that they investigated and that the account stands -- I am out {$200.00} with no recourse! I did call U.S. Bank and asked XXXX XXXX, the manager to call me back. She did not.

Bottom line, I am a Senior Citizen trying to live on my monthly Social Security check. Believe me I can not afford a {$200.00} loss. I have used both these banks for four years now and have never filed a complaint before as I always received the {$740.00} cash amount for rent and monthly expenses. XXXX did say there could be a " glitch '' somewhere. Guess so. Would be easy for cash handlers to take four {$50.00} bills for a total of {$200.00}! 

So what can I do? I did contact our local TV stations and their Consumer Affairs departments. This can not be allowed to happen. I am hurting financially from this loss.
I am filing a complaint regarding the XXXX XXXX Credit Card that is issued by Chase Bank. The XXXX Credit Card offers a 1 % cash rebate that is earned on all purchases ( except for purchases from non-XXXX gasoline sellers XXXX. The rebate is credited to the account by reducing the cost of subsequent XXXX gasoline purchases using the credit card. However, XXXX gasoline stations do n't exist any more. XXXX gasoline was sold to XXXX several months ago and the XXXX Credit Card rebates expire after XXXX year from the time that they are earned. Therefore, there is n't any way for me to collect my XXXX Credit Card rebates as the accrued rebates expire over time. I have bought this issue to the attention of Chase Bank on XXXX XXXX, 2015. XXXX credit card account supervisor at Chase Bank claimed that the rebates that appear on the XXXX statement only will be carried over to another credit card ( the Chase Freedom Credit Card ) but that the rebates that expired from XXXX 2015 will not be carried forward. ( Earlier that same day, another Chase Bank account supervisor told me that no rebates will be carried forward. ) I suspect that there many XXXX of other customers that have the same problem.
I am third party authorized for my client XXXX XXXX XXXX XXXX who had his home equity stolen from him through deed fraud and my company through XXXX XXXX ( a ) have been able to revert the deed back in his name. I contacted the servicer that was assigned his defaulted mortgage ( Shellpoint Mortgage ) and they informed that they conducted a short sale on the property in XXXX XXXX for the sum of {$420000.00}. I told them that was impossible no transfer of title or satisfaction of mortgage was ever recorded with the State of NY. They even told me who purchased the property through a short sale with there company. ( XXXX XXXX XXXX ). There is some serious fraud indicated here. I called back a second time on XXXX/XXXX/XXXX and they were not willing to speak to me even though I was authorized to do so.
i need to file complaint against macys credit held by citibank. they are charging me for promtional accounts that i do not have items for. i have call multiple times to have my account review and adjusted properly. all i been told is to speak with mangers, or someone will call me back, also i have been told that my account will be fix within 72 hours. and all this has been since XX/XX/XXXX. and nothing has been review. my monthly is due XX/XX/XXXX for the amount {$210.00}, last supervisor i spoke with said i have to paid it while my account being review. i told her no! i will not pay til everything is fix. also its frustrating when the calls are being route in another country and they dont understand me.
Equifax deleted 4 fraudulent XXXX XXXX inquiries from my credit report but they left 5 fraudulent inquiries on my credit report.

No consumer in their right mind applies for credit from the same company this many times. It does not make sense a blind man can see that these inquiries were not done by me. 

XXXX XXXX told the CFPB that some are fraudulent. 

Equifax has been stating that these inquiries were verified for months. 

I asked XXXX  XXXX and Equifax for the paper, electronic and audible proof that I initiated these inquires and they both have failed to provide me the documents that they are using to authenticate these inquiries. 

How did the pick and choose which inquiries to keep and which ones to remove?
I received a loan from XXXX in XX/XX/XXXX. The loan was in the amount of {$2.00}. The payments were extremely high and I was n't able to pay back the loan any longer. XXXX went to court and was granted a judgement against me some where around XX/XX/XXXX. My wages were garnished from the employer I was working for then, XXXX XXXX. XXXX sold my debt to XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX also seized money from my bank account. They have already taken more money from me than I owed them. XXXX/XXXX XXXX XXXX XXXX XXXX has now gone back to court and was granted another judgement for {$2700.00} and have sent a notice to my employer for garnishment. I only make {$14.00} per hour and I 'm the only one in my home that has income. I am already having to borrow money from family members each month to make bills meet. I ca n't afford to have my paycheck garnished and will have to file for bankruptcy if the garnishment is not stopped. I would like to be added to any class lawsuit against XXXX or XXXX XXXX XXXX XXXX XXXX . Please stop the garnishment.
These accounts below are over/pass the statute of limitations and shows up as late payments on all three credit reporting agencies ; for more than seven years and have no further rights or remedies with respect to these claims. Please, expedite the removal of XXXX XXXX and XXXX XXXX from my credit report. 
They sent them to XXXX different collection agencies thought out the years and then took them back based on info found and the statements from the agencies. I have a total XXXX and these accounts were sent to " XXXX '' a XXXX agency/company which sense it to the all three credit reporting agencies as a discharge/charge-off accounts. Thank you for your time and consideration.
Pressler & pressler sent there first letter to me on XXXX XXXX,2017 then another on X/XX/17. Then on XXXX XXXX 2017 i recived a court letter said that i am being sued. For a full amount of XXXX. my concern is this debt is for XXXX college of XXXX which I attended years ago when i was XXXX yrs ago. It ended up being a BUG waste of my time & XXXX  actually ended up going out of business. Now i know my intial loans are with XXXX XXXX XXXX XXXX which i think are federal. Which is who i thought i owed & i speak with them & maintain my balance with as much as possible. Im am now XXXX yrs old which a XXXX yr old daughter jus got another apt & am trying to do the best i can as a mother to my child. Now as for this XXXX debt they want from me, i find unfair because they jus recently contacted me this year & its like they came out the blue. I did some research & found out that pressler & pressler have been sued before for wrongfully harrasing people & they lost. Ultimately having to pay XXXX XXXX XXXX. & this happen more then once. Why are they still able to sue people with bery little information about the situation & why the person owes money & how old the debt is. Is there a statue of limitations? I can ensue? I dont wana lose all my hard earned money to them over a debt that im already paying to another institution. Please help.
In XXXX XXXX I purchased a XXXX XXXX avenger. I financed the vehicle through a company called snaac. A few months later I had already started to have some issues with my payments, they said I had insufficient funds within my account but when I viewed my account there was money there. So I paid what I need it to pay to catch back up on my normal payments. Months after that this same thing happened in months after that the same thing also happened all the way till now XXXX XXXX. But at this moment they repossessed my vehicle and once again say that I had insufficient funds within my account but that wasnt true coming from XXXX XXXX. Maybe federal viewed my statements online from the day I got my car till now they told me that snaac didnt even try to an attempt to take or collect the money from my account there was no proof of it and when they did take out the money that it was random and random amounts which was not in the contract and or agreement. I also remember saying on the phone with this company for my payments to come out on the first and 15th numerous times it would come out on the first but on the XXXX there would be no water but instead a later date they would get that money out of my account like the XXXX Way past the date that was set on the agreement. So last night XXXX XXXX my vehicle was repossessed and I had no mail or anything saying that my vehicle was going to get repossessed only a letter stating that my payment is being processed. Both on the phone and face to face XXXX XXXX stated this seems very shady from this company and very much to me seems like a rip off. This happening to an XXXXXXXX member Is a no go in the XXXX
My ex-husband applied for a loan modification with Bank of America ( BofA ), while we were in divorce proceedings but still legally married, with the hired assistance of XXXX XXXX and XXXX XXXX of the now-defunct XXXX company in XXXX XXXX. XXXX and/or XXXX forged my financial information and my signature on the BofA loan modification application WITHOUT my knowledge or consent. Along with the application, a court transcript of a divorce settlement was provided to BofA by XXXX XXXX ( ex-husband ) and/or XXXX representatives who represented to BofA that it was a final divorce judgment, which it WAS NOT. BofA accepted this court transcript as a divorce judgment despite there being no official court filing stamp or documentation to substantiate the paperwork. BofA approved the loan modification based on this falsified information and permitted ONLY XXXX XXXX to sign the loan documents even though my name was on the previous mortgage as well as the new loan modification mortgage. I learned about the loan modification after it was approved. I contacted BofA on several occasions to ask how they could only allow XXXX XXXX 's signature when we were not divorced and since my name was on the loan. They claimed that they " thought '' they had a divorce judgment ( decree ) in their possession, even though the requisite court filing stamps, etc. were not on any of the divorce settlement documentation they had received. Bank of America was made fully aware after XXXX XXXX secured the loan modification that it was obtained with falsified and erroneous information, and submitted under penalty of perjury. 
Bank of America 's policy of only permitting one signatory on any loan that is held by TWO individuals is a violation of law. Bank of America 's Loan Modification website clearly states, " All borrowers on your loan agree to participate. '' Bank of America failed to adhere to its own policies. The forgery component is clearly against the law, and BofA 's knowledge of this and unwillingness to take corrective action is reprehensible. It begs the question, 'If BofA believed that we were divorced, and that XXXX XXXX was receiving this [ XXXX XXXX XXXX, XXXX , CA ] property in the settlement as stated in the XX/XX/XXXX court transcript, then why did n't BofA redraft the loan modification documents to reflect XXXX XXXX " ownership? ''
I have cancelled XXXX credit cards since XX/XX/XXXX, after I was accused of providing late payment via mail on credit card bills. XXXX card was a JC Penney credit card, a XXXX card was a BP Visa Card, and a XXXX was a XXXX XXXX XXXX card. In all XXXX cases, the bank/sender of the credit card statements claimed that they received payment/check from me through the mail " just after the payment due date. '' I have had credit cards for over 30 years, and have never had to make a late payment fee for any cards prior to this past year. This recent problem with late payments on credit cards bills has not occurred with any other credit cards. XXXX of the cards are those issued by Synchrony Bank, and the XXXX was issued by XXXX. 
XX/XX/XXXX -- JC Penney card, {$17.00} late fee chargedXXXX XXXX -- BP Visa card, {$25.00} late fee chargedXXXX XXXX -- XXXX XXXX XXXX card, {$25.00} late fee chargedIn each case, I mailed my payment check 3 weeks ahead of the due date, and yet, the credit card company/bank said the payment arrived late. I find this suspicious, and wonder if it has anything to do with my never having paid late fees in my history of using credit cards. Is it possible this is a scam to make at least some money off of me, since credit card annual fees do n't exist on the cards? I had at least XXXX credit card company say directly to me many years ago that they could n't make money off of someone like me, after i asked to cancel my account with them since i did n't want to pay the annual fee on the card.
XXXX changed my bill without authorization, causing me to cancel my service. I canceled as soon as they notified me on XXXX XXXX, 2015 that my bill was going to be {$320.00}, however they took 16 days to process my request for cancellation and proceeded to charge me for those 16 days. Had they processed my cancellation promptly their systems would not have thought I had a pending bill. They then proceeded to put me into collection for {$110.00} that I did not rightfully owe them. I proceeded to pay it to avoid any impact to my credit and I intended to take the issue up with XXXX directly as opposed to the collections agency. The collections account has hit my credit 2 months in a row now, the alleged debt having been paid on XXXX/XXXX/2015, before either derogatory mark was applied, XXXX on XXXX/XXXX/2015 and the other on XXXX/XXXX/2015, to my XXXX report. I would like these removed from my credit history, my credit score recalculated without the derogatory marks, and a written apology from the CEO of XXXX for stealing from me and then ruining my credit even though I paid the amount they were asking for. I lost almost XXXX points from my credit score because of XXXX and Southwest Credit Systems L.P.
I recently refinanced my mortgage with XXXX XXXX XXXX and that decision has ruined my credit. My mortgage was refinanced in XX/XX/2018 and Homebridge reassigned the mortgage to XXXX. My mortgage shows on my credit report as paid off. The new loan does not appear. This is the only installment loan on my report, I paid off both of my car loans in XXXX of the same year. Therefore my credit mix is skewed and my points have dropped from XXXX to now XXXX. 
I have called both companies and requested that they report this loan and each just refers me to the other. No one cares about the impact this is having on my credit. 
At this point most of my credit lines have been reduced and other cards have been cancelled by my lenders. I am a co-signer for my elderly mothers apartment. She is entering into a new lease and I can not co-sign because my credit has been ruined by this company. They have such little regard for customers. 
I have never missed a payment in my life, have never filed for bankruptcy, no public collections. And here it is that my credit is being ruined because a loan that I have been paying on time for the last eight years is simply not being reported. 

None of these companies are doing anything about it despite contacting them numerous times. 

My hope was only to reduce my mortgage payments on my loan but this has turned into such a nightmare.
Original creditor XXXX sold debt to collection agency meaning they wrote off the debt on their taxes which wrote off my obligation to pay. 
Contract was cancelled. NO CONTRACT
I currently have 6 loans that have been consolidated with Navient. I have been making good/on-time payments for the last 3-4 years. My payments are going towards an " Unpaid Interest '' balance that apparently goes up daily and monthly ( yes-I confirmed this with a call I made today. The amount goes up on a daily rate and a monthly rate ). Just to give a good idea of how much it is going up : XX/XX/XXXX : " Unpaid Interest '' total- {$620.00} ; XX/XX/XXXX " Unpaid Interest '' total- {$940.00}.
My Unpaid Principle hardly changes-it was the same amount for 4 months. Total amount is {$39000.00}. According to my XXXX/XXXX statement-my total interest paid to date is {$11000.00}. My current payments are {$100.00}. I understand that is n't much, but at the way they are going, I will NEVER get the unpaid interest down to actually get my principle down. I have attached just a progression from XX/XX/XXXX-Present, but I have ALL of my statements available if needed.
Called company for a verification of debt letter. Spoke to XXXX reps and a supervisor ( XXXX ) was told that a verification of debt letter can not be sent to NY residents.
Debt is not owed, identity theft reports have been filed and submitted to all appropriate parties and credit agencies. Absolutely zero communication from the debt collector and balance of amount due has doubled. Proven multiple times its not my debt. This needs to be immediately removed from my credit reports and company needs to cease and desist immediately.
Tried twice to open account online ; bank bounced it " for further review by an accou nt specialist '' bo th times.
The online portal is demanding inappropriately early payment on my student loan. 

According to a status letter from the company dated XX/XX/XXXX, my next loan payment is not due until some time in XXXX. However, the online portal for my account continues to show my next loan payment as being due on XX/XX/XXXX. 

I have asked the company on multiple occasions to have their online portal accurately reflect my loan payment dates. It has not happened.
My dispute is with Equifax. I have a public record on my credit report that is mine but it shows as XXXX separate public records when there should only be XXXX. A duplicate. I disputed and their findings was that it was mine. I then called them and explained that my dispute was not whether it was mine or not but that it is a duplicate with the same case number, amount, etc ... that shows as XXXX different public records. The person I spoke with told me he would file another dispute on just XXXX of them and put in that it was a duplicate and gave me this dispute number XXXX. Within a few days the results from that is that it is mine and they ignore that both of my disputes is that it is a duplicate showing as XXXX different public records when there is only XXXX.
Identity Theft/ Mail Fraud filing ; homeowners ' not in foreclosure ( XXXX ). 
NC DOJ # XXXX XXXX - Citibank ( 2 ) Accounts - Debt placement and amount confirmation
EMAIL and then my response : Bank of America XXXXXXXXXXXX ; Re : Your Card Has Been LimitedYour bank appears to be the most inept I have ever encountered! I 'm not downloading anything you send. I have been at this address and had the same phone number for well over XXXX years. XXXX XXXX XXXX got rid of you for handling all of their clients, including me, so poorly. And when my husband died over XXXX years ago, several different bank, including yours, bought the XXXX mortgage he 'd had, and your bank caused me way too many aggravating problems. Now you are attacking my credit card limits ( again!!! ), after already removing my {$70000.00} credit limit that I 'd carefully earned on my XXXX XXXX card [ you cut me back to {$25000.00} ] to help you scam the Feds by creative number management. You built the huge crash on my back, and turned me from middle class to the working poor, and on XXXX. I hope the Feds close you down, and split up your huge feeding monster that helped to destroy my financial security and my health. Your top people need to be incited and ideally lose their ill-gained assets, and jailed in an awful prison, not a federal vacation complex. You can take pride in receiving one XXXX rants I 've ever delivered to the parties who 've wronged me in almost XXXX years of my adult life. 

XXXXOn XXXX XXXX, 2015, at XXXX XXXX, " Bank of America '' XXXXXXXXXXXX ; wrote : Some information on your account appears to be missing or incorrect. 
We have attempted to contact you by phone to speak with you personally but have been unsuccessful. 
As a precaution we have reduced your daily purchase limit. 

At this time we require that you verify your account information. 

To do so, please download and open the document attached to this e-mail. 
Please follow the instructions from the document. 

Please verify your information promptly so that you can continue to enjoyall the benefits of your Bank of America account. 

This measure is mandatory, failure to do so will continue to limit your access to Bank of America. XXXX ; XXXXThis bank needs to be completely dismantled, and moneys given to those of us they have so damaged. The big shots at the top need to be equally demolished financially and prosecuted to the extremes allowed by law. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX