WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX   XXXX   I attempted to make a withdrawal from an atm for {$200.00}. The ATM only dispensed {$20.00}. I contacted  XXXX  by phone and explained to them the issue. I was told to go to another ATM and try again.  XXXX  minutes later by the time I arrived at another ATM they had locked my account leaving my family without access to ANY money for  XXXX .     After many hours of arguments with  XXXX , they closed my account. They agreed to send me a bank check.but without any way to cash it, it would not help me at all for the holiday. The sent a check fedex that was not received. the replacement was sent with signature, we received that one. The check received was not for the full amount in the account. The check was for  XXXX  not the balance in the account. I was told they would send me the balance in a week or  XXXX . It is now  XXXX  The current balance shown does not take into account As of today the account shows a balance of  XXXX  that does not take into account the check for  XXXX  sent on   XXXX   XXXX    The current balance should be {$370.00}.   I have been trying for weeks to get this cleared up and keep getting canned and at time rude responses.     It has now been 6 months I do not understand why they are doing this to me.
Received a phone call from an unknown number leaving me a message to call back XXXX. I called back. They spoke of a debt that was from XX/XX/XXXX -XX/XX/XXXX? I live in Colorado statue is 6 years. They said that there will be a court hearing on XXXX XXXX. I looked it up and I do not see it on the docket. They also said that the sheriff 's department would be serving me. I called the sheriff 's department and they do not have a record. When I call the number I speak to the same person over and over never identifying themselves.They are demanding XXXX payment via credit card or money order by tomorrow to stop the court process. But as a law office they do n't have to tell me anything they guy was willing to work with me and offered the XXXX payment and XXXX other payments. I believe this is a scam cause I ca n't find that phone number listed to any law offices in the nation.
Have been receiving repeated calls ( XXXX calls from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX - see attached documentation ) from XXXX XXXX who is attempting to collect a debt from XXXX people with the same last name ( see attached document ). My wife spoke with them on XXXX and informed them that the number they are calling belongs to us. We received the number from XXXX when we switched from XXXX to XXXX. She requested that we be taken off the call list which they said they would do. They have not, and they are continuing to call us. As the attachment shows, we receive multiple calls on some days.
On XX/XX/2018, i made a purchase on credit card for {$130.00} to a musical event. The vendor promised that food and drinks were included in the purchase price. Upon attending the event it became apparent that the event planners did not prepare sufficient food for the massive crowd. We left the event without receiving any food. 

On XX/XX/XXXX, I filed a complaint with Capital One Bank disputing the fact that vendor did not or could not deliver food service as advertised on the event documentation. Capital One Bank disallowed a credit to the account because they stated that the complaint " lacked a refund voucher ''. 

I find that the conclusion is unacceptable and that is the reason I am filing this complaint.
Dear representatives of The Consumer Financial Protection Bureau, I hope you are doing well in The State of Iowa. 
I 'm writing to you because I would like to request your helpful cooperation. I 'm experiencing some very serious difficulties with the Financial Institution " Citibank '' and their credit card " My Best Buy Signature Master Card ''. I have been so patient with them but I ca n't take my problems with this credit card company anymore. 
Last night, I called this credit card company for a fourth time. The person who I got on the phone when I called was very rude and not helpful with my situation. I had the same situation around 4 days ago when I called them to follow up. 
I believe I have also been discriminated by them because I 'm a foreigner. I was born in XXXX even I speak English very well but I have a little accent when I speak English. Some of their representatives sounded very prejudist and probably they are acting like this with me because I 'm a foreigner. 
I have also tried to respond to Miss XXXX XXXX message and letter, I called her telephone number that was provided in her letter sent to me several times and I have left several messages for her but she just does n't answer my voice messages to talk about this problem that we have about the XXXX certificates that were issued to me by the credit card company directly ( Not BestBuy ) XXXX certificate was for {$10.00} and another XXXX for {$5.00}. I have also called her telephone number that was displayed in my caller ID when she tried to call me on XX/XX/2016 but she did n't leave me a message when she called me. 
The company Best Buy also confirmed to me that was the credit card company who issued me these certificates and not Best Buy Rewards. 
Several customer service representatives promised me several times that a supervisor of The Citibank Office of the President was going to call me to address this issue. I was waiting for the phone call for many weeks. 
Every time I called them to follow up, they just answer me with excuses and more excuses. I got also many false promises that a manager of The Office of The President was going to call me but nobody called me. 
I do n't know why they say that they ca n't reach me. I always answer the phone or I call back if they leave me messages. I 'm a professional lawyer, interpreter and translator and I deserve to be treated with respect by the credit card company as a good customer that have been of her credit card company Best Buy Visa signature Card of Citibank All done concerning to this matter will be greatly appreciated. I will be glad to send you records of my phone calls that I made to them trying to reach XXXX XXXX XXXX. 
Thanks. 
XXXX XXXX
i have apply for credit card at Brclysbank DE but i was turn down in the report i send you with the attachment on page XXXX at the top brclybank DE is on my report as a creditor i did not get any credit card i have call the company and they say something about deletion letter
We went through the whole process and I got the final approval. However, in the final paperwork I found out that my fees increased by {$2600.00}, and there was no notice or communication from my loan officer. When I finally got hold on my mortgage officer ( on the day I was supposed to sign ), she explained that the change is due to the fact that my property is formally considered a condo, not a townhouse - and it 's my fault that I did not know the difference and mislead them. 
In my case, the lender knew that this was a condo from the appraisal report that came 20 days ago. 
Looking back, I realized that the lender never gave me the actual rate lock document, just the itemized fee worksheet.
More than one year ago I disputed an item on my credit report through Equifax - XXXX XXXX # XXXX. The dispute was never resolved and a notation on my report has said for quite some time, " ACCT IN DISPUTE ; RESOLUTION PENDING '' The Fair Credit Reporting Act requires all disputes to be resolved within 30 days. Equifax has been harming my credit by not resolving this dispute.
This is a continuation of XXXX about DISCOVER CARD. 

Unfortunately, Discover did not update my information with the credit agencies as noted in the XXXX letter. 

In XXXX, I had the opportunity to refinance my mortgage at 4.00 %. My original rate was higher than it should have been because of the ding to my credit report. 

Because my information was not updated by Discover to the credit agencies, when I went to refinance, I did not qualify for the 4 % mortgage rate as my credit score was still dinged. 

After reaching out to Discover in XXXX, they did fix their error with the agencies ... .however, interest rates had moved up and the lowest rate that I could get was 4.125 % as the process took a bit over a week. 

This is an extra {$280.00} a month I am paying through no fault of my own and, over a 30 year mortgage this is around {$10000.00} in extra payments. Had my information been updated a month, two months, three months, four months after the letter was received, I would have been fine and would have been enjoying a 4 % rate. 

I would like Discover to look into making a contribution to the extra payments that I have to make as I am being punished and paying a higher rate than 4 % due to their oversight and 5 months after the letter, no update of my status with the credit agencies.
Bank of America has no concern for their customers and consistently exhibits horrible customer service. 
Today I needed assistance and got unsatisfactory results from : * The website ( due to a poorly-designed customer interface ) * The phone system ( hung up on me ) * An in-person branch visit ( computers were down ; gave me bad information on how to solve my problem ) * The online app ( ca n't fix the problem from there although I was told I could ) * Technical support ( went out of their way to blame me for the problem ) * When I called customer support, my call could not be elevated any further because 'management is on the phone'These are some of the lies Bank of America told me along the way : * " We are committed to excellent customer service '' * " Your time is precious '' Clearly Bank of America has stopped caring about performing competently or looking after their customers. I am lodging this complaint with the CFPB in hopes that Bank of America might listen to them ( they certainly are n't listening to me ).
I am not responsible for this bill. This bill is from XXXX and I never go there is always go to XXXX hospital. When I had my kids I went to XXXX. So I 'm not sure how they even got my information. And if I took my kids there which I do n't recall they had XXXX that paid they bill. I will like for this bill to be closed and deleted off my credit report.
XX/XX/XXXX ( XXXX XXXX, PST ) At all relevant times starting XX/XX/XXXX Complainant has been a good standing consumer with XXXX XXXX XXXXl hereinafter the " respondent '', a service provider within the meaning of 12 U.S.C. 5481 ( 26 ), headquartered at XXXX, Minnesota. Complainant has a current checking account and at the time of opening the new account in XX/XX/XXXX Complainant was offered a reserve line of credit totaling {$2500.00} ( XXXX XXXX XXXX XXXX XXXX ). Complainant 's reserve line of credit of {$2500.00} has been in GOOD STANDING since around XX/XX/XXXX prior to which minimum monthly payments due on the reserve line since on or around XX/XX/XXXX were completed in a TIMELY manner each month and every time on or by the due date specified by respondent. At no time was Complainant 's reserve line of credit delinquent or otherwise in default. On or around XX/XX/XXXX Complainant filed a good faith complaint with the respondent 's FRAUD unit against " XXXX , XXXX '', a collection agency affiliated with XXXX XXXX who conducted an unauthorized deceptive financial transaction in Complainant 's checking account. At the end of the Fraud investigation, respondent refunded the deceptively deducted amount of around {$180.00} into Complainant 's checking account. However, on XX/XX/XXXX the respondent 'XXXX XXXX XXXX XXXX ' in turn engaged in an unconscionable tactic and unfair, deceptive, and abusive act or practice under Federal law in connection with the reserve line of credit offered to Complainant and unlawfully closed complainant 's GOOD STANDING reserve line of credit of {$2500.00} ( a consumer financial product or service ) in the course of violating [ Oregon Revised Statutes ] ORS 646.607 ( 1 ) [ Unlawful business, trade practices ] and which may not be limited to the cited statute. ORS 646.607 ( 1 ) provides that " [ a ] person engages in an unlawful trade practice if in the course of the persons business, vocation or occupation the person [ e ] mploys any unconscionable tactic in connection with ... collecting or enforcing an obligation ; ... ''
There is a hard inquire that I do not recognize and never attempt to obtain. It refers to XXXX/XXXX ( Nation Credit Cards/Airlines. The company did not get permission to do or see if a wanted. I have never ask for this transaction. Nevertheless I did not give PayPal the okay to look into. I call without anyone help me and just kept transferring to someone else or giving me the same number on credit report that could help. 
XXXX XXXX ( XXXX XXXX, XXXX XXXX, and XXXX ) credit cards I have paid off and decided to close myself to keep from having so many credit cards. I do not think these should be seen as hard inquiries. XXXX XXXX card bill were kept up to date and the XXXX XXXX late note was because letter was mail to wrong apartment number on bill. I called the company to see why no bill was sent and the lady said the apt . Number was late.
I am locked out of my Equifax free credit report. The questions they were asking me were so wrong, and fraudulent that I am only left to believe my account, credit, identify and social security number has all been compromised. I need to resolve this matter as soon as possible.
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXEmail : XXXXXXXXXXXXOffice phone : XXXX XXXX XXXXCell : XXXX XXXX XXXXXX/XX/XXXX15Dear Consumer Financial Protection Bureau XXXX : My step daughter, XXXX XXXX XXXX bought at an auction held at XXXX a property known as XXXX XXXX XXXX, XXXX, XXXX XXXX, the Seller being Wells Fargo Bank on XXXX/XXXX/15 and the following Monday, on XXXX/XXXX/15 sent all the required forms and the initial deposit as required in the terms of the sale. The sale is an " all cash '' sale and the full amount required for the settlement is in XXXX XXXX 's checking account with Wells Fargo. This has been conveyed repeatedly to Wells Fargo together with XXXX XXXX notifications to Wells Fargo that she is desirous, " ready willing and able to close ''. 
As a preamble to this letter, I would state that I 'm authorized by XXXX XXXX to act on her behalf, including and not limited to having a formal power of attorney from her. 
Also, for the sake of brevity, I 'm not including the extensive email communications I had with the attorney for Wells Fargo, handling the REO part of the deal, XXXX XXXX XXXX, XXXX. ; of XXXX XXXX XXXX XXXX XXXX XXXX. However, a draft of this letter is being emailed to her. I believe that she has no valid disputes to the facts contained herein, and if she does, by this letter, she is very much encouraged to convey her comments to you. 
The story is simple. When XXXX XXXX bought the property, she expected to close on the property ASAP and move to it. She is renting in the same town, XXXX, paying {$1500.00} a month in rent. However, the closing did not, and as of now, has not happened. Until yesterday, XXXX/XXXX/15, when Wells Fargo received a deed in its name ( but as of yesterday has still not executed it XXXX no closing date was in site. 
A conservative calculation of XXXX XXXX 's damages is : on an all cash deal, allowing for a month to close, XXXX XXXX now paid an extra XXXX months of rent, totaling {$7800.00}. In addition, the property is standing vacant, unkempt and deteriorating. To get it to its XXXX/XXXX/15 condition, will take another {$5000.00} - {$10000.00}, for a total of {$12000.00} - {$17000.00}. 
XXXX XXXX is entitled to delay damages and has requested a meeting to discuss the issue with Wells Fargo Bank, whose motto, stated in broad signs in every branch, is " Courtesy '', but the bank declines. 
Wells Fargo bought the property at a Sheriff 's foreclosure sale on or about XXXX/XXXX/15 thru its foreclosing attorneys, XXXX XXXX. The deed was issued by the sheriff to the HUD XXXX. Wells Fargo claims it is entitled to the delay since it is a " typographical error ''. Considering the time it took to correct, a better adjective is " negligence ''. 
Wells Fargo 's additional position is that delays are to be expected in foreclosure sales. This is patently wrong, since XXXX XXXX did not buy at a foreclosure auction, but bought directly from Wells Fargo, which in turn prior, bought at the foreclosure auction. 
I kindly request your intervention that delay damages are paid by Wells Fargo to XXXX XXXX and sanction Wells Fargo for its unreasonable behavior. 

Yours truly, XXXX XXXX
This company popped up on my credit report out of the blue. They say I owe XXXX money which is impossible because I have been with XXXX for years and I would n't be able to continue service with an outstanding balance. I contacted XXXX and they have no record of the account. I attempted to get the account removed from my credit reports but they are saying the debt is valid. So if XXXX has no record and i am a current XXXX customer, and have been since 2008, how can i owe them money?
Through gross negligence, Equifax has allowed extremely sensitive personally identifiable information to fall into the hands of unauthorized agents. Despite knowing the sensitive nature of the data Equifax held, they failed to set up adequate systems and protections in place to secure my personally identifiable information. Due to these actions, I am at a grave financial risk and can fall victim to act of identity theft, a drop in my credit score, and elevated costs for home, car and other loans.
On XX/XX/XXXX I sent a letter to the cash store relinquishing their rights for automatic payments. On XX/XX/XXXX they withdrew funds from my account causing my chase account to overdraft. Chase credited my account and said they filed a claim. Then 2 days later they took the payment out of my account again and assessed me 3 overdraft fees. When I called, a claim had never been filed and they asked that I fax in the documents and they would recredit my account. When I did that, I continue to call and they say they have n't received the documents and my account still has the charge on it. They refuse to credit my money back until the documents have been received. According to the eft act I have total rights to relinquish their right to auto withdraw funds, the notice was given over 3 days before verbally and through a written and signed document but chase still refuses to credit my account and is giving me a run around.
My name is XXXX XXXX XXXX and I would like to complain about Equifax and XXXX XXXX XXXX. Here is my story. I usually check my credit report like other people. As just usual, I checked my credit report in XXXX 2015 and I found that there was XXXX collection amount reported on Equifax credit report, the amount of {$68.00} reported by XXXX XXXX XXXX for XXXX XXXX expense. So I DISPUTED and talked to Equifax representative and waited for the result because it does not belong to me. However, Equifax replied me back with a bad news that the collection amount belongs to me. So, I talked to XXXX directly and I found out that I have no past due at all AND they said that they did n't even know that ( after they investigated it. ) So, I disputed again in Equifax and they replied me back with same answer that it belongs to me! So, at this time, I also talked to the XXXX XXXX XXXX directly and disputed in writing ( by certified mail ) in XXXX 2015, but never received reply back. I also requested any support or backup documents for the collection amount of {$68.00} if it really belongs to me, then I can pay ... that 's not a problem at all, but they did n't even give me any backup documents for the {$68.00}. What should I do?! The collection amount of {$68.00} still shows on Equifax credit report, which I want to remove as soon as possible. It 's a simple thing ... if it 's mine, I will pay it, just provide me the invoice/documents, HOWEVER, if it 's not mine, get rid of it ASAP! Please help me! 

For your information, I would like to provide you the collection agency 's information here. The collection agency 's name is XXXX XXXX XXXX and they reported {$68.00} for XXXX XXXX expense. Their phone number is XXXX and the address is XXXX XXXX XXXX XXXX, FL XXXX. Their account number XXXX my case XXXX is XXXX. 

Please let me know if you need more information from me. My phone number is XXXX. My email address is XXXXXXXXXXXX. I look forward hearing from you soon. Thank you so much.
Second instance. 
I paid my mortgage electronically last night and checked my bank today and it had not been processed. I went to Chase.com today and it showed that the payment had not been made. I was in the process of paying again when I saw a button to review transactions. On this page my payment showed. The last time this happened I ended up paying my mortgage twice and several checks bounced as a result.
I pay have a credit card through consumer finance. Every month they are reporting me delinquent on payments. They are damaging my credit, and non of the payment I have made have ever been 30 days past due.
In XX/XX/XXXX, I lost my job and requested a forbearance which Wells Fargo denied. I in turn paid the past due payment of 3 months in XX/XX/XXXX. I then received a forbearance from Wells Fargo to supposedly assist me in XX/XX/XXXX. The agreement was that I would start my payments in XX/XX/XXXX and the difference of the forbearance would be due at the end of the agreement in XX/XX/XXXX. I was instructed to call them if I became employed which I did. The following day without any notice or contact Wells Fargo removed my forebearance agreement and put me in foreclosure. However they continued to accept my payments and never advised me there were any concerns. I was not aware until XX/XX/XXXX when they stopped accepting my payments and left a notice on my door. I didn't find out until later that Wells Fargo stated I defaulted using the payments they agreed I didn't have to pay in the forebearance until the following year XX/XX/XXXX. They would not let me pay the account and forced me into foreclosure. They lied and said they served me while I was at work. I've been trying to rectify this with Wells Fargo for years but they have refused to remove the negative information. They claim the forbearance was cancelled once I had employment but that's not in the agreement information nor did they advise me of this or contact me. They put me in foreclosure one day after I contacted them telling them I was employed. They have since made me pay them an additional {$10000.00} to pay off the mortgage after they forced me into foreclosure. They intentionally wouldn't accept my payments starting in XXXX and didn't file foreclosure paperwork until XX/XX/XXXX to make it look like I wasn't paying.
Called American Collection Services on XX/XX/18 at ~XXXX CST to inquire about a debt letter they sent and their rep indicated that the collection was already reported on my credit and would continue to negatively affect me. When I questioned the validity of this statement, she back tracked and denied ever giving this advice. I immediately asked to speak to a supervisor and she said one was not available. I hung up the phone and called back and had another rep route me to supervisor XXXX XXXX, who was actually available. XXXX seemed less than interested in resolving the issue, mentioning that he was too busy to review the recording. Mentioned he would have another manager call me back, but seemed unlikely at that point. This debt service company is allowing their reps to give legal advice when collecting debt and needs to be reprimanded to correct the culture that seems to come from the top.