WillisBack/dataset-financial-user-claim huggingface dataset:
I have been on the phone with Rush Card for 2 weeks now about my balance being at XXXX instead of XXXX and my card being used when I was n't using it. I tried to call and the phone is being hung up or not answer. I have been on the phone today for XXXX hours trying to see why my card is deactivated. I got told the system was down, they sent me a new card in which I have n't received, and the next XXXX yelled at me and now as I type I am on hold again and it had been XXXX mimutes. They are not giving any answers about this and all I want is my money.
I'm A SINGLE MOTHER WHO OF XXXX WHOM HAS BEEWN TRYING TO CLOSE ON MY FIRSY HOME FOR ALMOST 3 MONTHS NOW. I HAVE PROVIDED EVERTHING TO MY BANK SEVERAL TIMES AND KEEP GETTING THE RUN AROUD. ITS BEING THROWN UP IN MY FACE BECAUSE MY FAMILY AND I NEEDED DOWN PAYMENT ASSISTANCE AND ITS UNFAIR. I'M UNSURE WHAT TO DO AT THIS POINT AND MY SELLER IS ABOUT TO PUT THE HOME BACK ON THE MARKET BECAUSE IF IT. WHAT DO I DO? I HAVE ALL MY PROOFS TO BACK UP MY CLAIM AS WELL. MY REALTOR ALSO IS SEEING THE SAME THING AND SUPPORTS ME IN THIS MATTER. MEANWHILE MY FAMILY AND I HAVE BEEN LIVING OUT OF BOXES AND SLEEPING ON THE FLOOR. I RECENTLY HAD TO ADOPT A XXXX OLD BABY AND A XXXX YEARF OLD. I'VE PUT EVERTHING I HAVE INTO THIS HOME AND NOW MY BACK IS AGAINST THE WALL. CAN YOU HELP ME PLEASE OR DIRECT ME TO SOMEONE WHO CAN? 


THANK YOU
My son has tried to cancel his TransUnion membership he accidentally signed up for for 4 months now and they will not stop taking XXXX out of his account. What can we do
There are XXXX different amounts from some medical XXXX thing from XXXX. I have no idea what the {$400.00} & {$800.00} are for. I have medical insuranc and I have never received a bill or anything. I think that these XXXX items that are in collections are not mine but someone else 's and somehow they were incorrectly placed on my credit report. I have medicaid as insurance and I have been on medicaid continually since XXXX, so I know that I would not have those anesthesia charges because all of the medical things that I have to deal with are covered by my insurance. I am only responsible for a {$3.00} copay. I am thinking that it is possible someone may have used my identity and that is what these are from. This is the first time hearing about these items that are on my credit report, should n't I have known about this like 5 years ago which is what the date is on the report. Now the one in collections from XXXX I know is correct. However I did sent XXXX a check last month paying off a bill. But I am not sure if it was the one that is in my credit report or if it was a recent bill. I am not disputing the report from XXXX, only the other XXXX. Thank you. My number is XXXX. My email is XXXXXXXXXXXX and my address is XXXX XXXX XXXX XXXX, NC XXXX if someone could contact me about this.
Portfolio Recovery Associates, LLC is not licensed or registered to operate in my state which is a violation to the laws in Wisconsin. I did not sign a contract with this company, and have been trying repeatedly to get them to remove their accounts off my credit report, to no avail. I feel harrassed/
I traded in my Honda Pilot, loan # XXXX, on XXXX/XXXX/15. The dealership who purchased the vehicle from me sent a check to Wells Fargo Dealer Services on XXXX/XXXX/15. Wells Fargo Dealer Services does not acknowledge receipt of this payment and refuses to research the payment without the certified mail receipt number. I have offered to send them a copy of the payment invoice, but they refuse to investigate.
I HAVE SUBMITTED POLICE REPORT TO   XXXX   and EQUIFAX SEVERAL OCCASIONS AND DISPUTED ACCOUNTS I N 2016 THESE ACCOUNTS HAVE BEEN DELETED DUE TO FRAUD AND THEY RE APP EAR ON MY CREDIT FILE I WAS TOLD TO GET A NEW POLICE REPORT AND SEND BACK TO THEM I HAVE DONE THAT AND I AM GETTING NO WHERE WITH   XXXX   IN REMOVING THE ACCOUNTS THAT CAME BACK AND ACCORDING TO TH FTC I DID NOT RECEIVE A  FIVE D AY NOTICE ON THE REAPPEARING ACCOUNTS THAT FRAUDULENT
I have contacted Midland Funding LLC several times about this outstanding debt that is not mine. I have disputed it several times as well asked for supporting documentation that shows proof that this debt was mine. I have been dealing with them and this account since 2009. Statue of limitations has passed on this invalid debt but they are continuing to report this false information on all of my CRAs. I am writing to dispute fraudulent charge ( s ) on my account in the amount of {$610.00}. I am a victim of identity theft, and I did not make these charge ( s ). I request that you remove the fraudulent charge ( s ) and any related finance charge and other charges from all CRAs. I also request that they cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ). I have filed and had an affidavit notarized. They are not abiding by the law and I would like something done about this! It has effected me long enough!
I had sufficient funds in the bank to make a transfer to cover valid ach / recurring payments I authorized. In the past and for many, many years, the bank has paid the amounts, sending me notification of the insufficient funds, at which time I would make a transfer or deposit timely to cover the payments. For the first time in several years, the bank decided to return items unpaid and charge return item fees without allowing me the opportunity to cover them. When I called the bank, I was advised by XXXX, a supervisor that Chase can and will return items at their discretion. There is nothing she could do about it. I advised her I would be leaving the bank as soon as my autopays were set up elsewhere. It appears Chase is willing to treat loyal customers with complete disregard to collect a few fees before the end of the year for their shareholders.
XX/XX/2016 A man called from XXXX phishing for my XXXX child 's personal information which included personal health information. He kept pushing for my sons social security number, address, and medical information. Names of relatives, and who his guardian was. I refused to disclose this info. He stated that this bad debt was on my sons credit report.Demanded my sons PII. I later contacted the company after receiving a letter about the debt in question. The have bought and sold my minor childs info.
I 've tried disputing a couple of fraudulent accounts on my credit report, and the  Bureau  has taken some of it off but only the collection things. I 've sent letters to the collection agencies and have gotten little response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine? Most recently about a month ago I did send in an Identity Theft document and all of the items it asked me to include.  Feel like after six  months of disputing and working hard that it 's really going nowhere. Would like to have this stuff taken off my credit report bc it is not mine. Thank you
I leased a XXXX XXXX XXXX on XXXX XXXX, 2017 that requires payments to be made for {$1700.00} for 36 months. 

The dealer who sold me the car lied to us about tire and wheel coverage and when presented with the facts agreed to refund the cost of the policy in the amount {$1900.00}. 

They would not issue me a check directly but sent the money to BMW Financial who promptly posted it as a credit to my account. They produced a statement reflecting that i would owe nothing for the month of XX/XX/XXXX and had a rollover credit of {$260.00} for the next month. 

Regardless they still took a payment of {$1700.00} on XX/XX/XXXX Their explanation to me was the billing system and the auto-pay system do not talk to each other. I control neither system, they are XXXX 's systems. 

These two systems ought to speak to one another to avoid this and the potential O/D charges and credit report impact that their outdated systems create.
On XX/XX/18 I received a collections notice with a balance of {$610.00}. On XX/XX/18 I called to settle the debt. I was told if I paid {$570.00} the debt would be settled. I called back and was told that the balance was {$630.00}. We ended paying the {$610.00}, but I was confused on all the different balances they provided.
during the week of XX/XX/XXXX, I had XXXX inquiries, XXXX public records and XXXX collections accounts removed from my Transunion credit report. 
I then checked my credit report on XX/XX/XXXX, the inquires, public records and collection account were added back to my credit report. 
It is my understanding that the credit reporting companies are suppose to contact you within 5 days of adding back any information that was previously removed.
Further Violations include : Communication Tactics, Continued attempts to collect a debt I do not owe, Disclosure Verification of Debt, Threatening and taking an illegal action. 

Please also see CFPB complaint # XXXX XXXX/XXXX/2016 received a I received a collection notice ( please see attached ) from Credit Bureau Systems , Inc. in XXXX, KY dated XXXX/XXXX/2016 and addressed to XXXX XXXX XXXX, XXXX XXXX, KY, at XXXX XXXX XXXX, XXXX XXXX, Ky. The mail system is not that slow, however the internal process of the " Credit Bureau Systems '' procedures are less reviewed, however governed. This delay tactic illegally eats away at the consumers ability to dispute within the time limits afforded by the law. This is deceitful practices as according to FDCPA subsection 807 " False or misleading Representations '' as well as subsection 808 " Unfair practices '' I disputed this over the phone on XXXX/XXXX/16 ( less than 30 days from date of notice ) to XXXX XXXX agent of Credit Bureau Systems agent, as well as in writing on the same date. ( please see attached ) As well and also contrary to the above subsections the failure to provide the name and account of the original creditor, the threats to injure my credit by reporting it to the credit reporting agencies despite these deceitful methods ( as according to their agent ), actually following throiugh and illegally reporting it to the reporting agency along with a note that " consumer disputes this account information '' ( they accept I dispute, however failed to follow the mandates of the FDCPA for a dispute, maliciously damaging my credit and causing liability ), the deceitful statement of a " Patient # '' on their statement ( as though this debt has to do with a patient, rather than a utility bill ), their company title diceitfully alluding to them actually being one of the credit bureaus and their agent 's statement that claims would continue anyway, are contrary to the FDCPA or the law that governs your practices Please not that this account was supposedly opened with the Credit Bureau Systems on XXXX/XXXX/16 while notice was not created for about a month XXXX/XXXX/16 or mailed until another month after that. They appear to have an interdepartmental anomaly that every step in their procedure seems to take a month.
Reference : The disputed item : Account for credit card from XXXX XXXX XXXX Credit card # ending in XXXX. 
XXXX/XXXX Reported on XX/XX/XXXX Dispute Reason : Ownership : I am no longer liable for this account. 

Regarding the above-mentioned account ; this was the cost of a bed that I have ordered from XXXX XXXX ( XXXX XXXX XXXX, XXXX, NY XXXX, Ph : XXXX ) for {$600.00}. The merchandiser arranged the payment through XXXX XXXX XXXX ( affiliated to Citibank ). 
I have disputed this charge with the bank from the beginning of this account, since I received the product damaged. Although it is a general rule in all banks, to accept the dispute if the product purchased was received damaged, XXXX XXXX XXXX insisted to suspend the dispute claiming that ; I must resolve the problem with the merchandiser, but promised to freeze the charge without any interest or fees until the case is resolved. I filed a complaint against the merchandiser with the Attorney General, who made his decision in my favor for a full refund of the product according to the Massachusetts General Law Chapter 93A, for Consumers Protection. The bank was notified with the decision of the Attorney General, however, did not accept the dispute and started to add interest. I raised the case to the District Court for Small Claims that made its judgment on XX/XX/XXXX in my favor for a full refund of the cost, plus interest and court fees. Attached please find a copy of the judgment of the court.
HSA Bank provided me with a credit card with which to pay for medical expenses. I used the card to pay for medical expenses that were allowed according to my insurance plan and HSA rules, but HSA Bank reported the payments as an unqualified distribution to the IRS, so the IRS says I have underreported income. The thing is, I used my card at a doctor 's OFFICE, not at a store or an ATM machine. HSA Bank knows where the cards are used and they choose how the distribution is reported electronically to the IRS. Even though I submitted the correct paperwork to prove my distribution was qualified according to XXXX XXXX XXXX XXXX, the IRS doesn't believe it because their computers have the information from HSA Bank that contradicts the paperwork. It's up to HSA Bank to report these things correctly because I as the consumer have no choice in how it is reported. If a person uses the card at a doctor 's office, HSA Bank should be required to report it as such. HSA Bank should be audited to make sure they are reporting expenses correctly so that people are not accused of underreporting income to the IRS, which is a serious offense.
I received my home mortgage with Wells Fargo on XX/XX/2012. When I first applied for my mortgage with Wells Fargo bank I was told if I put down 20 % of the value of the home I would NOT have to pay the loan insurance fee every month. I put down the 20 % towards the value of my home and I got my loan. Later on I saw that the bank included a loan insurance fee in my monthly payments. I questioned it and I was told to ask later on and will come of eventually. When it did n't come of I was told by Wells Fargo that it will take 5 years to come of. I think Wells Fargo should fix this issue as soon as possible.
Bank Of America regularly solicits new businesses with various promotional incentives. On or about XX/XX/XXXX I have received the Bank of America promotion promising, among other things- As a valued customer, you 're eligible to receive this exclusive {$500.00} online offer XXXX Bank of America XXXX {$500.00} Offer.pdf ) The offer required:1. Open a Bank of America Interest Checking or XXXX Checking account ; 2. Setup and receive XXXX direct deposit of {$2000.00} or more ; 3. Open Rewards XXXX XXXX XXXX account and deposit at least {$20000.00} in new balances. 
4. Keep the {$20000.00} balance in the Rewards Money Market Savings account for 30 consecutive days. 

However, once all the conditions are met, Bank of America deliberately evades living up to its promises and granting the promotional rewards. It goes to extended deceptive practices to lure the customers with the generously sounding misstated promotions, only later to evade granting any rewards. 

Specifically, in this case, all the conditions were met, as acknowledged by the representative on the recorded line, however, the bank 's system is set up in such a way that any and all Electronic funds transfers ( via ACH ) are not counted towards the direct deposit requirement. In fact, Bank of America flouts its own definition of direct deposit as well as that of the Federal Reserve. 

In its Personal Schedule of Fees booklet ( personal-schedule-fees.go.pdf ) on page XXXX it states : '' What is a direct deposit? 
A direct deposit is an electronic deposit of funds to a checking or savings account. 
For Bank of America XXXX Checking accounts, qualifying direct deposits are deposits of regular monthly income -- such as your salary, pension, Social Security benefits -- which are made through the automated clearinghouse ( ACH ) by your employer or other payer. " Moreover, the Federal Reserve in its definition of an Automated Clearinghouse System specifies, " The ACH system is a funds transfer system that provides ... Recurring credit transfers ( that ) include payroll direct deposit payments. " XXXX : XXXX # 4However, Bank of America did not count the direct deposits to my Bank of America checking account related to my employment and benefits at XXXX XXXX and XXXX XXXX towards the direct deposit requirement. When contacted, a Bank of America representative was unable to provide a definite answer, beyond acknowledging the receipts of direct deposits and offering to 'look into it '. 
It is my understanding that the Bank of America cunningly engages in misleading marketing and then purposely miscategorizes incoming direct deposits via ACH to avoid paying out any of the promotional amounts to the customers. 

I am aware that XX/XX/XXXX Bank of America was ordered to pay {$20.00} XXXX in civil money penalty to the CFPB and an additional {$720.00} XXXX In Consumer Relief for its Illegal Credit Card misstatements and promotionsXXXX XXXX would like to kindly request that the CFPB carefully review the initial complaint, pool together similar complaints about the misleading marketing practices and order the bank to pay the penalties and reliefs as appropriate.
A one-day bank transfer was initiated from XXXX on Sunday XX/XX/18 to my checking account and the transfer showed pending in my checking account on Monday XX/XX/18. Apparently the transfer did not clear until early morning around XXXX XXXX on Tuesday XX/XX/18, so a paid overdraft fee of {$36.00} was applied to one transaction, and two transactions were returned, and return fees of {$36.00} each were applied as well, after the XXXX deposit was made. 

I spoke with the bank 's customer service line twice and they would not transfer me to a manager to dispute the transactions, and said nothing could be done. I also called the branch where my account was opened and they informed me the manager would not be in till next week. 

I believe I was treated unfairly by being denied management communication. I also think it is unfair how transfers are made in order for the bank to profit from a loyal customer.
I am a victim of identity theft. I filed a police report with the XXXX XXXX Police Department this is the second police report I have made with the XXXX XXXX Police Department in reference to fraudulent and unauthorized accounts, hard inquiries and collection accounts listed on my XXXX XXXX, Equifax and XXXX credit report. The police report case number that 's on file is : XXXX. I been receiving harassing telephone calls and death threats from creditors and debt collection companies in regards to the following accounts and debts that are fraudulent and unauthorized, and do n't belong to me. The following accounts are fraudulent and unauthorized : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, {$2800.00}, XXXX XXXX XXXX, {$14.00}, XXXX, XXXX XXXX, {$7100.00}, XXXX XXXX XXXX, the following hard inquiries are fraudulent and unauthorized : XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, the following collection account is fraudulent and unauthorized : XXXX XXXX, {$290.00}
The service provider is Bayview loan services. They purchased my mortgage from XXXX XXXX in XX/XX/XXXX. In XX/XX/XXXX they sent me a welcome letter and an invoice in the amounts of {$5700.00}. My monthly payment on my mortgage has always been {$1600.00} per month ( I have a fixed 30 years mortgage ). All of a sudden I was received this large bill for a combination of missed payment, escrow shortage, and a mortgage insurance. <P/>I have never missed a payment with my prior mortgage servicer, I do n't pay insurance as it 's a condominium and I have a master insurance policy through the HOA. I have faxed evidence of coverage and receipt of monthly payment to prove to the new servicer that I have never missed a mortgage payment. Every time I call, I always talk to a different person, and I have to repeat everything all over to everyone I talk to .... Since XX/XX/XXXX, I have talked to them countless times ... no one could help me and justify how they come up with {$5700.00}. After so many phone calls and arguments ... .they finally told me that there is a shortage in my escrow and added about {$80.00} to my monthly payment making the monthly total {$1700.00}. However, I get non-stop phone calls .... They are now claiming that I have missed a XX/XX/XXXX mortgage payment. <P/>I have told numerous people at Bayview that I have paid the XX/XX/XXXX payment to XXXX XXXX. I have even faxed evidence that I have made the XX/XX/XXXX payment ( four times ). Still I get a phone call a few times a week saying that I am late with my mortgage payment. This has been a very stressful situation because it seems that NO one is willing to help me. I have talk to different representative from Bayview, and they all tell me different story as why they keep calling me for a missed payment. <P/>I have tried on my own, I have talked to different so called supervisors from their escalation department ... ..and to this day they keep harassing me with phone calls ( I have told them multiple times not to call me again, to stop harassing me, just today, I have received three phone calls from them ) ... I am working with a gentleman called XXXX at XXXX who has been trying to help me ... .but nothing has been done yet. Please help!!
I have attempted multiple times to dispute negitive information reporting on my credit. Each time I have attempted to report it, Equifax has denied my request stating the information is accurate that the company is providing. I have contacted the company as well and attempted to resolve the matter. I have written a huge report provided to Equifax stating the information being reported is not only inaccurate but a blatent lie, I have sent proof of the inaccuracy/lie, proof of communication of the company refusing to speak with me and send ME proof that I owe the debt. Equifax continues to deny the legitmacy of my request. Not only has Equifax denied my request, the company has updated the information yet again, and made changes again proving they are lying about the information provided on my report.
XXXX/XXXX/XXXX I bought 3 X 5 year CDs from Fifth / Third Bank ( Required was a savings acc. with a {$1000.00} minimum and a checking acc with a {$500.00} minimum ) XXXX/XXXX/XXXX my savings acc.  charged 2 X {$5.00} / My checking acc charged 3 X {$5.00} both for 'dormant fees ' No notice or warning was given. I 've never heard of a dormant fee.