WillisBack/dataset-financial-user-claim huggingface dataset:
I did file a complaint # XXXX but will again. I clicked on an ad that read '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX  '' on XX/XX/XXXX. It was explained to me to initiate the report I would have to submit a refundable {$1.00}. I did and received credit scores claiming to be from XXXX, XXXX and XXXX but no report. I thought this is free so scores are okay. I was looking on my bank account on XX/XX/XXXX a company named XXXX had withdrawn {$39.00} without my knowledge or consent. I immediately looked them up and found out they use many names but the parent company is One Technologies of XXXX, Texas. There are many complaints posted about how they have stolen from people by baiting and defrauding people. They were sued by the FTC and the states of Ohio and Illinois in XXXX. They had to refund {$22.00} XXXX dollars and are still continuing to profit by fraud. Today I called a number listed for them XXXX. No one was available leave a message. I did leaving my complaint, phone number and request for a refund. I called another number XXXX. A rep. named XXXX answered the phone for XXXX. I told him my compliant and requested a refund. I told him I don't have an account number because I never opened an account. He apologized many times be couldn't find my account under the email I had given and asked if I had another. I gave him it. He started talking about the humid weather that morning in XXXX. He talked about XXXX rain was the most recorded. How they were having floods. He was sorry about his voice it was from the mold and mildew. He told me how a bridge fell on a subway. I was silent while he talked. He wasn't engaging me so he then popped in " there is a note here '' that he had to ask his supervisor about please hold. Hold I did. I was not going to hang up. After some time he came back and said my account is being held at the corporate office, any further contact will have to be with them. I asked for a phone number. He said let me see and said that he did not have a phone number for them. He gave me the address, which I already had ... XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Texas,XXXX. I asked him what is their name? " XXXX is a product of XXXX XXXX XXXX ''. I will not have to contact them they will contact me. I asked approximately how long will I have to wait? He didn't answer but apologized for his reaction to mold and mildew. I then called CFPB and spoke to XXXX. I have some captures of the money they stole from me so he referred me to make a compliant online. I went to my inbox and found that XXXX had asked for my other email to send me a notice not to find my account. It was a cancellation notice as of XX/XX/XXXX for an account I never had! A confirmation number was included XXXX and a phone number to speak to one of their customer care professionals at XXXX. These people are flimflam thieves and need to be in jail.
This company has been reporting the same information on my credit report for a while, I have had this information disputed on my credit report and it was removed. Every couple of years the information would appear on my credit report again. It is causing me a lot of problems. I am trying to purchase a house and this information keeps popping up. I have tried to contact the company but no response. I just want this problem handled.
On XXXX XXXX, I tried to collect {$170.00} from Citicards Reward program. I was unable to collect it with a deposit to my new credit union account because I had changed my bank account info the first week of XXXX. They would only transfer the money to my OLD bank account ( which fortunately had not been closed yet, but could have EASILY been closed. ) In order to collect the money they owed me, they insisted on transferring ONLY to my old account. 

I had already deleted the old bank account from my 2 Citicards accounts ( Citicard XXXX XXXX and XXXX XXXX XXXX ). Then I entered my new credit union account. All was well on the payment side, but NOT on the Rewards side. The bank changes did not transfer there, and ONLY my old bank account remained ( although I had already deleted it. ) When I added my new credit union info I asked when I could put the Reward dollars into my new account? They said after one payment cycle. After the payments for both accounts had successfully cleared my new credit union account in the first week of XXXX, I asked for them to deposit my Reward dollars in my new credit union account. They said NO, and that it may take 2-3 payment cycles before that could happen.
I do n't understand why they could n't do this, based on the fact that my payments cleared on both cards. It is like they can take my money from the new account, but are hesitant to allow my Rewards ( which I have already earned ) to go there. Why? My account had been " verified '', and there should be no reason to deny me this.
I asked for a supervisor to push it through, since I was leaving on a month long trip soon. She refused. In order to get the money, I had to deposit it to my OLD account, and then write a check off that account, and drive to my Credit Union to deposit it. It makes NO sense to me that I should have to go through all this after my new account had been verified. Very poor customer service, and for no logical reason, in my opinion.
On XX/XX/XXXX I visited a Bank of America Financial Center at XXXX XXXX XXXX, in XXXX, CA in order to obtain a cashier 's check in the amount of {$540.00}. I have a primary checking account that I use for day-to-day transactions, and a secondary account which I only use to receive rents from rental properties and pay mortgages on those properties. The teller failed to ask me which account to withdraw the funds from, and incorrectly withdrew the funds from my secondary account. She even filled out the withdrawal slip and put the wrong account number on it ( I have a copy and it shows her handwriting ). I signed the slip, not spotting her error ( the account numbers are only one digit apart ). I later discovered that the funds were taken from the wrong account, and this caused the secondary account to be overdrawn as it occurred right as my scheduled mortgage payments were going out. 

Bank of America then proceeded to charge me two {$35.00} overdraft fees because of the teller 's mistake. When I called their customer service department on XX/XX/XXXX, they at first refused to refund the fees and refused to acknowledge their error, and after an hour of phone wrangling, I finally connected with a manager named XXXX located in the XXXX. XXXX Deposits center ( XXXX XXXX ) who was completely unhelpful and blew me off. He stated that because I had signed the slip incorrectly filled out by the teller, it was my fault and therefore they would refund one of the fees for {$35.00} as a 'courtesy ' but not the other {$35.00} fee. I asked him to contact the bank to verify that the teller had mishandled the transaction and he refused. 

On the withdrawal slip I've attached, you can see the teller 's handwriting ( she filled out the entire slip ), which is clearly different from my signature ( the only part I filled out ). 

I should not be charged any fees whatsoever due to the error committed by the bank 's own employee.
I had a background check did by XXXX ( they used XXXX ). In the repoert summary information, they did county searches that were clear, but there are three counties listed that I have not had any association with, one in an actual state that I have never even been to.
came on credit i never was aware of this company or had a contract with this company and this debt i wasn't informed
I have my student loan through Great Lakes. I pay my normal monthly payment via Auto Pay on the XXXX of each month, which is the due date. I supposedly receive .XXXX % off of my interest for being enrolled in Auto Pay. I also make additional payments of between $ XXXX {$200.00} at the end of each month via the website. There is a feature that allows me to allocate which loan I want the extra payment to go to. Of course, I always choose it to be XXXX % allocated to the loan with both the highest balance and highest interest rate. I recently discovered that it has never actually been allocated that way, contrary to what I believed. 

I sent in XXXX emails over the last week inquiring about this, and when I finally heard back all I received was a FAQ answer about how extra payments are applied ( which I already knew, and which was not being applied as it said it was supposed to be ). I called and spoke to someone for XXXX minutes today. He explained to me that my Auto Pay is set up to make payments on the XXXX of the month, which is my due date. Thus, the extra payments I make at the end of the month are not considered to be extra, but instead considered to be my normal payment. As such, they can not be allocated to specific loans. 

The gentleman then went on to tell me that I will have to change the date of my Auto Pay via the website ( he said he was not able to help me with that over the phone ) to be earlier in the pay cycle so that my extra payments could actually be considered extra payments. I went online to change it, and the website states it only allows Auto Payments to be processed on the due date and not any earlier. 

Now I 'm stuck between paying all of this extra money every month just to have it only go towards the interest on XXXX different loans, or canceling my Auto Pay and having my interest rates bumped up. I believe this is totally and completely unethical, and I think this company should be investigated for fraudulent and unethical business practices. They make it absolutely impossible to make any headway with getting these loans paid off! I pay almost {$400.00} per month, and the outstanding balance only decreases about $ XXXX {$40.00} every month! Help!!!
This is a follow-up complaint to CN # XXXX ; which was not my Bankruptcy but the mess from XXXX XXXX problems!?! Due to your help earlier help with this matter I hadn't heard from XXXX XXXX XXXX , XXXX until a few months ago and I have again with this filiing attached the latest correspondences! I hope you have the information on the US State Departments Ruling against XXXX  XXXX XXXX and all the other Financial Institutions. I spoke with XXXX  XXXX XXXX a couple of years ago, now, and they told me I was going to receive a letter as was on the internet on that Settlement where XXXX agreed to " Forgive the Illegal HELOC Loans '' from XXXX that XXXX took over! I even had a family member that got one of the letters and they were posted on the internet of which I tried to make a copy of one of them, but couldn't get it to print! So, I know it exisited!?! Also, if you look back at my original filing on this matter, I never approved this HELOC, if fact I thought I had refused it all together, as the documents had many pages of questionable changes, modifications, and pages I never saw or signed or had the opportunity to Refuse under the Federal Guidelines of all Mortgage Loans!?! I was going to noted that also I still have not ever gotten one reply to how they ever have come up with the total amount they claim is owed on this Loan either!?!
equifax has put a security freeze or ID theft alert on my credit report without my authorization. They did this because i caught them in a lie about information they are reporting. This alert is impacting me from getting credit and they know it and they are violation federal law.       XXXX   is the one who put the fraud alert on the report then they notified Equifax and  XXXX  to do the same.     I DID NOT AUTHORIZE ANY FRAUD ALERTS OR SECURITY FREEZES AND THEY ARE TO BE REMOVED IMMEDIATELY. THEY ARE SAYING THAT I HAVE TO SEND IN A WRITTEN REQUEST THIS IS INCORRECT, THEY DID A FULL ID VERIFICATION ON ME AND STILL REFUSE TO TAKE THE ALERTS OFF MY REPORTS.     THIS GOES FOR ALL  XXXX  BUREAUS.
For years I have been battling all three credit reporting agencies to have child support account deleted I do not owe child support ; this account does not belong to me and further more child support cases do not have contracts, amounts owed for services or product. I have written, called, email and went into child support office as well as all three credit bureaus to get this account removed from my credit file.
I filed for XXXX XXXX Bankruptcy on XXXX XXXX, all credit cards were closed. On my credit report I still get a high credit usage from XXXX XXXX. I disputed it to Experian and the result was that the XXXX card was closed it on XXXX XXXX XXXX. However, the XXXX XXXX keeps reporting to Experian that my credit card utilization is high which lowers my already poor score. It has kept me from establishing new credit as well as obtaining a mortgage through a commercial bank with an FHA approved loan
The IRS sent Equifax a " Withdrawal of Filed Notice of Federal Tax Lien '' on XXXX/XXXX/2013. It recently came to my attention that they did not remove it. I filed a dispute. They still would not remove it because they determined the lien was released. It was WITHDRAWN. They do n't seem to know the difference between RELEASED and WITHDRAWN. It should be removed from my file immediately.
I have received a voice mail ( standard non-personal voice mail ) from a company alliant capital management ( on a phone number I 've never spoken to them on ) disclosing I supposedly owe them a debt ( without verifying who they are leaving leaving the message for, on a phone I share with other people ) threating legal action " to the fullest extent necessary '' if I do not contact them within 24 hours. The representative, XXXX XXXX also called my parents and disclosed my debt to a third party. This is a complete invasion of my privacy which is supposed to be covered by the FDCPA ; who also is supposed to protect against threats by debt collectors. Also I am stating that I am unaware of such debt or the means of this debt.
I have requested confirmation information from the servicer twice by calling and twice by emailing. Email takes over a week to respond, and I have not received answers from the customer service representatives over the phone. 

My questions are simple regarding what is required of me to ensure my PMI is removed from my mortgage payment. I have a 30 year FHA loan that closed XX/XX/XXXX as a refinance from an original FHA loan that closed in XX/XX/XXXX. My original purchase was a short sale with an appraised value sale price of {$260000.00}. 

I have asked the lender to confirm that {$200000.00} would be considered 78 % of my original LTV and thus my mortgage insurance will be removed if my loan balance is below that amount after 5 years has passed since my refinance. I also asked them to confirm what would be the first eligible payment date where my mortgage insurance could be removed. 

I have received incorrect information that my PMI can not be removed until XX/XX/XXXX. I have received canned responses regarding the automatic removal of PMI once the loan has reached 78 % LTV and five years of PMI payment. I simply can not get them to answer what dollar amount they show would be considered 78 % LTV and what date they would consider five years of PMI payments.

I'm simply trying to confirm they have the correct information to assure my PMI may be removed as soon as possible when I'm eligible. 

Thank you for your help.
SinceXX/XX/XXXX Greensky has refused to withdraw final payment from my bank account before the promotional expiration date ofXX/XX/XXXX after this date interest would apply at 17.99 % Start DateXX/XX/XXXX Total Purchases {$4400.00} - Total Payments and Credits - {$3600.00} + Total Fees {$0.00} = Current Pay-Off Amount {$730.00} APR 17.99 % Interest Charged this Period {$16.00} + Total Prior Interest Charged {$370.00} = Total Interest Charged {$390.00} Promotion Expiration DateXX/XX/XXXX I have attempted to have them withdraw the funds at least 5 times where reference numbers and emails were sent to me saying they would withdraw the appropriate funds.When I call they say the payment never went through. This is just a scam to bilk consumers and especially seniors to pay high interest charges.I thought at first this was a bank or loan company. Not Greensky, the XXXX, GA BBB says they are a LLC like most small companies and that provides " Loan Servicing '' BEWARE!!!! BBB has over 160 customer complaints of Greensky as ofXX/XX/XXXX.
My name is XXXX XXXX XXXX XX/XX/XXXX. On XX/XX/XXXX at XXXX, XXXX XXXX XXXX XXXX in XXXX XXXX, NC denied a checking account for me. XXXX XXXX stated ChexSystems had a DENIAL code on my ChexSystems file XXXX my consumer id is XXXX ). I spoke with XXXX at ChexSystems immediately after who stated they do n't place denial or approval messages on consumers accounts. Can you review if ChexSystems is reporting a denial or approval to financial institutions?
I have fat along with XXXX at XXXX XXXX since XX/XX/XXXX at which day failed to provide me with information on the income based repayment program as well as Ombudsman group advise them to remove all credit reporting on payment history prior to my bankruptcy on XX/XX/XXXX and they still after 2 years of complaints have failed to do so which is causing a negative effect on my credit bureau as well as fifteen years now in late fees repayment for XXXX 's deferment they never once advised me of the option of income based repayment program which makes my account balance a XXXX amount owed every month due to the fact of being a single mom of XXXX children. So I want to file an official complaint against baby and in regards to never vitamin all information which could have assisted in repayment options for the last 15 years as well as increase balances of {$5000.00} in the last 15 years as well as late fees and they refused to advise me of the information in regards to trying to include myself in the mass litigation against XXXX
Car was wrecked and was suppose to been covered with GAP coverage. A payment was never missed. Only had vehicle for about a month. Information on credit report is not accurate.
I submitted an electronic dispute for various incorrect information and accounts on my consumer report with experian on  XXXX / XXXX / 17 . I received an email on  XXXX / XXXX /   17  saying that the investigation was complete and nothing was corrected on my report. They clearly did n't try to contact the companies that were disputed for updated information in such a short time. I have contacted the other bureaus about this same issue and they have deleted the errors. I am being negatively affected by experian 's negligence and I am facing significant financial repercussions due to this false information in my report. Dispute #  XXXX
This notice will serve as written notice of your FDCPA violations for False and Misleading representation ( Section 807, FDCPA ) ( 9 ) ( 10 ) To : XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX  On or around the date of XX/XX/XXXX the manager of XXXX XXXX   known to me as XXXX had my vehicle removed from a local impound before I could get to the impound to pay the amount owed. At that time in the month of XX/XX/XXXX my vehicle was current. XXXX XXXX had no lawful reason to remove my vehicle and place my account on a hold status. My contract said nothing about my lien holder having the legal capability to do such a thing. During this hold any payment I called and attempted to make fell onto deaf ears, I was constantly denied the ability to make payments. Every time I called XXXX XXXX  and attempted to pay the manager XXXX  was more interested in my reason for the vehicle being towed and not the payment for my vehicle, XXXX  continued to tell me that another department was handling this matter and he would get back to me if I could even pay which created a false representation of the legal status ( FDCPA SECTION 807 ) be it during the month of XX/XX/XXXX my payment wasnt even 30 days late during these conversations.

On the morning of XX/XX/XXXX after several calls to XXXX XXXX in attempt to pay on my vehicle that was unlawfully obtained by XXXX XXXX, my calls to pay still went unheard. I get a notification the same day from XXXX XXXX and XXXX XXXX   updated my credit report with a repossession, causing major damage to my credit score and my co signer XXXX XXXX. XXXX XXXX issued a letter on XX/XX/XXXXwhich is misleading and false ( FDCPA SECTION 807 ) because my vehicle was held XXXX   by my lien holder and I couldnt pay. I was not in a default status anytime XX/XX/XXXX to create a repossession environment. You are also in violation of FDCPA section 807 subsection ( 9 ) ( 10 ), when you failed to communicate any default even after a XXXX payment in XX/XX/XXXX, and during that payment I was told that was the amount to bring my account current, with no payment being owed until XX/XX/XXXX.

Your letter XX/XX/XXXX is a repossession letter on a current account placing you in violation of FDCPA section 807 subsection ( 11 ), your letter was not a formal pleading made in connection with a legal action.

I am seeking relief from my credit, and I pray the Consumer Finance Protection Bureau can find that due to the unlawful environment created by XXXX XXXX  my credit will be adjusted accordingly. Since I cant get back a vehicle that was sold by XXXX XXXX I am seeking alternate compensation for the damages to my credit report in the amount of said vehicle, ( XXXX XXXX XXXX XXXX ) before it was sold at auction. Thank you and Travel Light.

Bro. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
I have my student loan with XXXX XXXX. This is because of the PSLF program. 
XXXX has been taking unauthorized actions on my account without providing proper notice. XXXX placed my account on forbearance without informing me or obtaining my consent, leading to a decrease in the number of payments applicable to my PSLF credit. Further, XXXX has not kept accurate records of my payments. XXXX does not inform me when it takes actions on my loan, or obtain my permission before placing me on different payment plans or notify me of account changes. Since XXXX is the only provider that administers PSLF, their actions are unfair and discriminatory. If this complaint is not resolved, I am unafraid of taking legal action against XXXX, CFPB and the Ombudsman if necessary to ensure my loan is properly administered.
Equifax allowed my personal financial data ( along with approximately 143 million other consumers ) to be stolen by unknown attackers. 
This data includes name, social security number, date of birth, address, telephone number, driver 's license number, credit card numbers, bank information, etc ... 
I am now responsible for freezing my credit account, filing an identity theft report with my police department, contacting my bank, credit cards, insurance company, etc. to inform them of this incident. I 'll need to have passwords and pin numbers changed, I 'll have to get credit cards re-issued, I 'll have to constantly monitor credit reports and my bank accounts, and hope one of these thieves do n't try to file a tax return, take out a loan, loot bank accounts, charge to my credit cards. All this will need to be done for many years now, since getting a new social security number is not feasible.
My wife signed me up as an authorized user on her {$24000.00} XXXX XXXX XXXX XXXX. I no longer wish to be an authorized user on my wife 's credit card. XXXX and XXXX deleted the trade line. For whatever reason, Equifax refused to delete the trade line. I guess they are too busy with their glitch problem to do their job. I want the trade line deleted by Equifax asap! I am not responsible for this credit card.