WillisBack/dataset-financial-user-claim huggingface dataset:
I have an account setup with a company called activehours who provides cash advances. I successfully registered in  XXXX  and have received funds weekly in which they automatically debit acct on paydays. In order for this to work my bank must report my work deposits to the company. Since  XXXX   XXXX  they have not done so, but this process was successful up until now. I have called first midwest bank over and over and no one has helped.
I APPLIED AND WAS APPROVED FOR AN AMERICAN EXPRESS DELTA PLATINUM CARD. THE CARD HAD A BONUS OFFER INCLUDED. THE OFFER WAS RECEIVE XXXX BONUS MILES AND XXXX MQM 'S WHEN YOU SPEND AT LEAST {$3000.00} IN THE FIRST 90 DAYS THAT THE ACOUNT IS OPEN. IN ADDITION RECEIVE A {$100.00}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{$100.00} STATEMENT CREDIT IS ABOUT TO EXPIRE AS WELL. I HAD PLANNED TO MAKE A DELTA TICKET PURCHASE WITH CASH + THE SKYMILES BUT HAVE DECIDED TO WAIT TO SEE IF AMERICAN EXPRESS IS GOING TO HONOR THEIR WORD.
A check drawn on my XXXX XXXX Wells Fargo checking account and was paid to an unknown person not to the payee as drawn by me I reported the fraud and was told that the funds would be redeposited to my account within 10 days after they researched the transaction Ten days later I was told that forms were to be mailed to my home and must be filled out They were never received Six days later I went to my XXXX branch of Wells Fargo and filled out some paperwork and was told that the payee was now required to fill out an affidavit form I contacted the payee and he took off from two half days of work to sign these forms Five days later I went to my local XXXX branch and was told I would receive these funds maybe in 30 days 60 days 90 days or never Are these banks not responsible for the monies in their care? 
Do they not have a fiduciary responsibility?
Hello FDIC Consumer Protection : US Bank XXXX California called me last XXXX XXXX 2015 ; US Department of Treasury contacted XXXX as U.S. Department of Treasury - grant money transferred to US Bank in California then they told me pay {$500.00} for safe deposit fee ( scam or not scam ) so please investigation to make sure if no scam or scam letting me know and let my sister XXXX XXXX knows at Please FDIC calls XXXX at XXXX voice about US Bank of California and US Department of Treasury makes sure - if there no scam, please sister helps with me through this grant account XXXX.
PayPal suspended my account and seized {$2500.00} in funds without warning. They provided no avenue for fund recovery other than to simply hold it ransom for a 180 period, which is simply inexcusable. They shut down my account and froze the funds upon a 2nd appeal.
During XX/XX/XXXX we obtained a line of credit from Morgan Stanley Home Loan ( MSHL ) for the amount of {$200000.00}. We used this line of credit throughout its 10 years period. It matured XX/XX/XXXX. When it matured XX/XX/XXXX, we asked MSHL to give us some time to refinance it and payoff their loan. They did cooperate with us and we did continued making payment on time paying even above the regular payment. 
On XX/XX/XXXX we received a set of loan document from MSHL regarding a new Home equity Line of Credit Modification. The fees were very excessive, we told them that we are not interested in that loan. XX/XX/XXXX we send them a qualified letter ( RESPA 12 U.S.C. Sec. 2605 e ) and requested complete history and documentation for this loan. The reason for this request was that we received a check in the mail for small amount from an attorney for a class action settlement for MSHL misconduct and mishandling mortgage loans. Meanwhile we were making our regular monthly payment timely and sufficiently. 
MSHL after receiving our request RESPA letter, not only did not respond to our RESPA letter sent through certified mail, they transferred the servicing of this loan to XXXX their Collection company. They also stopped accepting our payment. We insisted on making our payment. They refused to take the payment. 
Since then, we have been trying hard to get a complete history of this loan to pay it off. We have not been successful Until a few months ago, we filed a complaint through Consumer Financial Protection Bureau cfpb. Thanks to cfpb we did finally got a satisfactory response to our request on XX/XX/XXXX. 
On XX/XX/XXXX we responded to their response. We brought to their attention a few mistakes in their response and also stated to them that we are ready to settle this loan immediately. The amount of the settlement has to be {$180000.00}. This is the amount of the loan at the time they stopped accepting our payment and were not able to give us a complete loan history according to RESPA law. 
So far we have not received any response to our offer dated XX/XX/XXXX. We are getting automated letter and settlement demand from XXXX for much higher amount. We expect a response to our offer of settlement. We have set aside {$180000.00} for paying off this loan for the past several years. We are still waiting to get a response and fair settlement for the right amount.
I, just like many other Americans have private loans through XXXXNavient. I XXXX college in XXXX XXXX and did n't have a full time job during XXXX. The only option they gave was forbearance which only helped balloon the amount I owed. I have paid on my loans since XXXX with the principal balance barely moving. I now owe over XXXX but borrowed no where near that amount of money for school. My original total was XXXX. I also had to get my loans extended from 10 years to XXXX because I could n't afford the payments. Navient is definitely affecting my ability to purchase a home in the near future.
I recently discovered an account on my credit report for which I have not received any information. I have started an investigation with XXXX and would also like to start it here. I did not receive any information informing me of this debt from the collection agency, and it says it has been with the company since XXXX 2015.
I am a victim of identity theft and have been a victim of identity theft for quite some time. I have a fraudulent and unauthorized collection account and credit inquiries listed on my  XXXX   XXXX , Equifax and   XXXX   credit report that do n't belong to me. The collection account and credit inquiries are all fraudulent and unauthorized. I have been receiving threatening phone calls of death threats for the collection account with   XXXX   XXXX  . The following collection account is fraudulent and unauthorized :   XXXX   XXXX   {$460.00},  XXXX / XXXX / XXXX , the following credit inquiries are fraudulent and unauthorized :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Capital One denied an " End of Lease Buyout '' financing loan to me due to " Previous delinquent account ''. Company never stated what the account was so I contacted them to find out. They also refused to work any type of deal regarding the supposed debt meaning to consolidate the debt into the car loan. They did mention that it was NOT denied due to credit score.
It was XXXX XXXX n he scammed me on PayPal he told me to pay fam n friends so he did n't have to pay fee n I did n he was selling a XXXX n he scammed me XXXX $
Sunday XXXX XXXX XXXX we noticed that {$5000.00} had been charged to our checking account at, BBVA Compass Bank, 2 days earlier. The Bank has no fraud department to report to weekends. Monday XXXX XXXX we went to the banks branch office and reported the fraud. They told us they did not handle such things! Instead they contacted the head office fraud department and we had to wait for 1 hour before anyone answered. Finally the fraudulent activity on our checking account was reported, the account itself closed and we opened a new account. At that time we asked when the we would have our money back in order to pay our upcoming bills. We were told when the investigation was done and that could take up to 10 business days. After 10 business days we contacted the fraud department again and we were told it can take up to 90 days or more. We know under Regulation E, the bank has to reimburse us in ten days but obviously they refuse with no further explanation. We have been clients with the bank for 12 years.
Transuion XXXX and XXXX have dropped my fios score by 8 points I have never had a late payment, balances have been reduced was 138 now 130, no new inquires, tried to reach all 3 with disputes, all will not answer, hing changed in my credit report, please help
I recently checked my credit profile and discovered that " AD Astra recovery Services, Inc '', had put a negative trademark on my credit profile for over {$300.00}. I then sent a letter for verification to this collection company requesting verification of this debt. On XXXX XXXX, 2015 I received a letter containing a loan agreement with just a signature in my name. After further review I seen nothing in this agreement other than someone writing my name on a piece of paper. I did some investigation and found that a person whom get this type of loan must fill out an application and submit a blank check from their bank. Neither of this type of validation was submited by this collection agency. A fraud alert was put on my credit profiles sometime ago. I am requesting assistance in getting to the bottom of this fraud and attempt by this collection company to violate the law.
On XX/XX/2018 I have wrote the CEO of XXXX XXXX XXXX with an affidavit of fact. The affidavit of Fact he had 21 days and did not get rebut any of the facts and now I'm informing you that this has fallen into default judgement in my honor.
my mortgage loan was modified request was completed XXXX XXXX, 2017 with Wells Fargo Home Mortgage. My credit report with the 3 credit bureau XXXX, XXXX, XXXX is reflecting My mortgage to be currently delinquent and past due. That information is incorrect. Wells Fargo has not reported the current terms of the mortgage. Upon the modification being complete I was informed by Wells Fargo they would remove the delinquent payment history and report the current mortgage balance with the current mortgage history.
Bank of America offers co-branded credit cards with   XXXX    XXXX . They offer  XXXX  versions of the credit card with very different rewards and sign-on bonuses.     Bank of America 's application is problematic because a consumer will apply for the credit card with the better rewards/bonuses, but the bank will make the final determination of which version of the credit card the consumer will   receive.
I applied for Bank of America/  XXXX   XXXX   Signature Card. My applicati  on was approved, but Bank of America sent me the Platinum Card which provides lesser rewards/bonuses. I cancelled my card.     Bank of America should simply have  XXXX  separate applications for their  XXXX   XXXX  credit cards. I would rather be denied for the card I applied for instead of receive a card I do not want. Going through this application process is a waste of time and effort, as well as a cost imposed on m y credit score, when I can not simply apply for the card I want.
Date : XX/XX/18 Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX Act. # XXXX To Whom it May Concern, This letter is in response to your recent claim regarding XXXX Act. # XXXX which you claim is closed with a balance owed of {$1500.00}. This account was paid in full. 

By not replying in a timely manner to my initial letter, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws, I further remind you that you may be liable for your willful non-compliance. 

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in small claims action against your company. 

I would be seeking damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )  You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, NC XXXX Social Security number : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC. XXXX XXXX XXXX
My XXXX XXXX  and XXXX XXXX is still reporting data that past I past due on my credit report.The accounts are closed and past the statute of limitation.Information was submitted to XXXX XXXX to remove the information off my rercord.
XXXX : XXXX XXXX XXXX non-adverse, non-belligerent, non-combatant party, secured creditor with power of attorney general, and Executrix on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, is in possession of your recent voluntary submission of evidentiary documents. 
BANK OF AMERICA HOME LOANS, must herein provide a true and certified copy of the complete audit trail of said accounts. furthermore, in order for BANK OF AMERICA HOME LOANS to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with XXXX XXXX accord and u.n.c.i.t.r.a.l. conventions. I would also need a copy of your Tax Registration certificate! 

Failure to substantiate the claim, please settle account immediately within the next XXXX days.
Dear XXXX : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
Those account are fraudulent please remove XXXX XXXX # XXXX XXXX XXXX BANK XXXX XXXX # XXXX XXXX XXXX BANK XXXX XXXX # XXXX XXXX BANK XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX NOT MY IQUIRE XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX DEFENDER MISC The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), XXXX the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 

Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXXY XXXX XXXX XXXX XXXX, FL XXXX
A contract accounting firm opened an account and naming our company as a dba, he then stole our company checks from our office and deposited them in his company account at BofA. None of these checks had any endorsement on them.
I was contacted XX/XX/2018 by a Navy Federal Representative in the collection/payment servicing department. I made arrangements to pay the account on the XXXX via an ACH debit. I was told that would prevent my account from being late. The transaction never debted my account and I contacted Navy Federal on XX/XX/XXXX in regards to the 30 day late they reported on my credit. I was advised that they had no record of my payment arrangements.I was inaccurately reported late and advised each representative that I was closing on my home after building it for over a year and that I could not afford the late on my credit. I was trying to juggle my wife being sick and not working anymore along with paying all of the bills, all I was requesting was to be granted enough time to make the payment and they did not honor the payment arrangement we had made. I called in again XX/XX/XXXX. 2018 and spoke to a XXXX in the collections department he was very rude and condescending he spoke to me in circles and never honored my request to speak to a supervisor after asking 6 times. I am now unable to close on my home and about to go into foreclosure on the loan. I have contacted Navy Federal numerous times and no one is willing to allow me to speak to a supervisor or their Executive Office. I have never been late on this card and paid every month.
I was paying for a total of XXXX season passes for my family. One day, my daughter used my pass instead of hers. At XXXX XXXX my card was given back after realizing the resemblance and the issue was correct after noticing the obvious mistake. However, my card was blocked and I was not allowed back in the park the next time I tried to use it with my family. We never successfully completed this and agreed to part ways without further payment. I also agreed again with this company to pay another account for season pass and this one would be removed which it has not as agreed.
Nationstar Mortgage ( d/b/a Mr. Cooper ) has cashed all of our insurance checks we received for damage on our home from Hurricane Irma and from plumbing floods. Those checks total {$190000.00}. Nationstar has had the bulk of that money for 6 months, with another {$78000.00} in the last month. They have refused to disburse funds to us, except for {$37000.00} after we had already spent {$90000.00} of our funds. We submitted all the documents they asked for. We have been financing the repairs at 5.75 % using an equity line on another home. The loan to value ratio on the house is less than 50 %. The loan is approximately $ 300K and the value of the house is approximately {$660000.00}.

We have spent countless hours on the phone ( mostly on hold ) and have sent faxes and emails and have gotten no response. This is a deliberate plan to hold our money, even after the work is about 75 % complete. They sent an " inspector '' who spent 5 minutes, took a few photos, then demanded I sign a blank form as to the current status of the repairs.
Hello I am struggling with paying my student loans and Navient told me that I am not qualified for lower monthly payments. They are expecting me to pay XXXX a month which is ridiculous.
Case number : XXXX Please be advised that this complaint has not been resolved. You have a history of the course of events surrounding my experience with Well Fargo, who established an escrow account because Wells Fargo violated my payment agreement with the XXXX Taxing Office and the XXXX Water board by paying my bill and establishing an escrow account and adding over $ XXXX/month to my mortgage payment.. Well many months have passed and finally, after I paid off the escrow and actually paid too much, a refund was due to me in the amount of {$920.00} as confirmed by XXXX XXXX in correspondence dated XXXX/XXXX/16. After several calls to XXXX XXXX, many of which were never returned, I have learned from her today, XXXX/XXXX/16 that the funds due me, {$920.00}, have in fact been sitting in a closed escrow account for almost XXXX months and should have been refunded to me almost two months ago. NO ONE followed up on my refund nor to XXXX XXXX, after closing the case, follow-up with the escrow department to ensure the refund to me was processed. XXXX XXXX promised to look into this after our conversation today and open another case to investigate as to why the funds were not sent to me. I find this to be deplorable business practices and wonder how XXXX XXXX can continue operate in such an irresponsible manner with no repercussions. Should n't I at least get interest on the funds held?
I cancelled my XXXX service on or about XXXX XXXX, 2016. I returned all XXXX equipment per their instructions via a return from my local XXXX in XXXX XXXX, AL. Then, I received a letter from XXXX dated XXXX XXXX, 2016. It said I owed {$170.00}. It did not mention anywhere in the letter what this was for or why I owed the debt. I called XXXX because I have records that I paid my final bill. I was told that it was due to equipment that was not returned. I asked what specific equipment was not returned and then the department call transfers started. Nobody could tell me what specific item was not returned. 

On XXXX/XXXX/16 I was assured that a charge for " un returned '' equipment in the amount of {$170.00} would be credited and corrected on my account. Yesterday, XXXX XXXX, 2016 I received a call from the collection agency. The XXXX representive that I spoke to on XXXX/XXXX/16 for 33 minutes ( i have a record of the call date time and duration on my phone that I can provide ) ID number XXXX XXXX XXXX assured me the charges would be corrected because XXXX had clearly made an error and did not log in one piece of the total of XXXX receivers, XXXX TV remotes an internet hub and an internet router. This correction needs to be fixed. I have opened an complaint with consumerfinance.cov ( CFPB ). XXXX needs to step up and correct this HUGE mistake before more damage is done.