WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/2018.account # XXXX.i lost ( XXXX ) .Scottrade claim, I owe them {$20.00}. ( so they close my account with out advising me on closing. scottrade advisor are and was good for taking fees just for them too have a paycheck every Friday.XXXX bought out Scottrade and a lot of Scottrade employees got fired and laid off, so everything under the sin must and start taking place with them, ,because of the Merger.my stock was value at least {$350000.00} dollars plus. I only spent out of pocket $ XXXXover time frame I was with Scottrade before recently before the merger.
My problem is about XXXX  gift card with XXXX dollars stored in which is a " gift ''. I lost it and called the company to request a replacement card. 
I called them on XX/XX/XXXX at XXXX XXXX  to request a replacement card. The customer service representative got my personel information, did security check and told me that my card will be sent in 5-10 business days. 
So I waited for three weeks and called them again and this time the customer service representative recommended me to wait a little bit longer. 
After waiting ten days I called again and this time the customer service representative told me that there is no record about my replacement request and told she will be creating it. She wanted activation receipt and address proof. 
And I sent the activation receipt and address proof with an e-mail and nobady answered it. 
Then I called again and another customer representative told me that they didn't get the e-mail. 
So I sent it again ( the same e-mail to the same e-mail address ) Then I got an answer that they also need the purchase receipt even though I have the activation receipt. 
So I reached my friend which has XXXX kids and have no time and asked her to find the receipt for me with shame. She couldn't find it. 
I know that keeping the activation receipts is important for such problems so I kept it and provided it to company but they still don't answer my e-mails and not replacing my card. It has been 4 months since I lost the card. 
I think they are trying to make me get tired of requesting replacement card. So it is kind of a fraud activity.
Received notice from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that this an attemp to collect a debt from XXXX XXXX XXXX the amount of XXXX.. Got no debt from this company, did not received any notice or statements or any attempts to contact me to notify me of such debt ... please advise as to what i can and should do ... i am given 30 days to dispute ... I searhed about XXXX and they are banned from collecting debts by FTC case filed on XX/XX/14.. thank you ...
Regions has processed debit payments prior to pending electronic check payments. Charged my account a fee claiming insufficient funds after a cash deposit prior to a return on said electronic check. There was no return prior to cash deposit. The payee company has NO returned electronic check as of right now. Regions is taking unlawful fees from customers.
I was contacted by an agent, XXXX from First Direct Lending, in reference to a refinance. I was told that if i paid {$220.00} for the appraisal which would cost {$450.00} and if the loan did n't fund I would get back the money. I charged the {$220.00}. and sent in all documents requested and they stopped contacting me saying that my income was n't enough and I kept getting the runaround from them not returning phone calls, etc. Finally the sent me a document saying the loan was adverse and that I did n't qualify due to old delinquent credit history, and my income. I have contacted the agent and emailed him sent him a text regarding my appraislal fee refund and have not heard back from him.
Someone from Miller Stark Klein calls me several times a day, every day, at my place of employment in XXXX. 

The callers refuse to tell me why they are calling, saying only that it 's regarding " a complaint '' and that they are going to " file charges. '' The caller then insists that I confirm personal details like my birth date, address, and Social Security Number, which I refuse to do. They wo n't tell me what the " complaint '' is about or anything else about the issue. I was told that the call was being recorded and " would be used in court. '' They called back immediately ( within a few seconds ) after I hung up. The last person I spoke to gave her name as XXXX XXXX. The number on my caller ID displayed as ( XXXX ) XXXX, which is an Illinois number, but she claimed to be calling from North Carolina. When I hung up, she called back immediately ( not XXXX seconds later ) and continued to harass me ; the caller ID then displayed XXXX XXXX XXXX XXXX. 

I have told them more than once that they are calling my place of business and to stop calling me there, but they continue. I also told XXXX XXXX that if the debt is legitimate, she needs to send a letter to my address on file detailing the situation. She refused. 

These calls are being made to my place of business and need to cease. If this is indeed a legitimate debt ( and I 'm assuming it 's a debt, not some other type of " complaint '' ), this company needs to send written details to my address on file.
I am trying to pay my Target Credit Card which had gone into collections. I was getting a consolidation loan to begin cleaning up my record. Target Card ( Visa ) will not give me any documentation of what I actually owe. They orally have said that they will accept {$2000.00} to settle the card, but will not give me ANYTHING it writing to show this agreement has been reached. Of course, my fear is that I will pay them and they will continue to say I owe them more and more. If they are willing to put the amount in writing, I will gladly get them paid, but they will not. Please help! 
The resolution I request is simply to put in writing that if I pay them what we verbally agreed on {$2000.00}, they will accept it as payment and remove it as a lien. Sincerely, XXXX
My credit has been demolished by student loans that arent even in repayment yet and some were taken out when I wasnt even registered or in school. XXXX University was sued by the FTC and didnt stop committing fraud. They took loans out under my name when I wasnt in school and they have had my status as in-school for the past 2 years and I have not been in school at all. Not only do I have student loans taking up 200 % of my credit, XXXX has not stopped with trying to report more recent debt that is not mine by sending threatening collection invoices. I havent even received a degree from them. My credit score is horrible, I can not get a loan, a job, an apt , or anything to get ahead because of the school that isnt even in business anymore. Who is getting money they are billing anyway?? How do they do this to people? Im XXXX and my life is being ruined by this. I have nothing and cant get anything. The department of education, Nelnet and XXXX have done nothing in 2 years about this and now its an emergency because I am about to be homeless. I feel like Im going to have a XXXX XXXX every day because of this. Something is wrong, a multitude of people were notified about this and nothing gets done except mailing me bills and threatening letters to further destroy my credit. What is going on in this country? I need someone to help with this, exploit them and get some justice so people can live healthy lives not XXXX XXXX and XXXX   XXXX.
Because of multiple errors on the part of my mortgage escrow account, I have asked that the mortgage company let me out of my escrow account. This the the 3rd time I have made this request. Each time I make a request I am given a different excuse as to why this can't be accomplished. This year, I changed insurance companies, and notified them of this. They proceeded to pay BOTH insurance companies putting my escrow into a negative balance. Even though I contacted them immediately, they forced me to pay 2 mortgage payments of almost {$200.00} more than my previous payments. I have no idea where the extra money went, but it doesn't appear to be in my escrow account. Here are the excuses that have been given to me by my mortgage company.

1. I had one late payment in the first year. This is true, because I misunderstood how long I had to pay after the due date of the 1st.

2. I was told I did not have a conventional loan. After looking into this, I found that I DID HAVE a conventional loan.

3. I was then told that the investors did not allow me to pay my own insurance & taxes.

I had an attorney look into my paperwork and I have contacted the company that did the closing for me and they both agree that # 2 excuse & # 3 excuse are nor valid. No where in my mortgage contract does it state that I have anything other than a CONVENTIONAL LOAN, not does it state that the investor does not allow me to pay my own insurance & taxes.
In   XXXX   XXXX   I 've received a letter from a collection agency named : GC Services requesting me a payment or to contact the borrower service department to resolve my defaulted Student loan which I did. In   XXXX   XXXX   I signed the Rehabilitation Assistance Forms and sent my first payment to them in    XXXX   XXXX   . They collected at least  3  payments of {$5.00}. They stopped in   XXXX   and the Department the  Education  contacted me and told me that they do n't have that information in records and my student loans are still defaulted.
I have a collection from National Credit Systems which I have tried to contact them concerning this multiple times and I have received no response. They are trying to collect on an apartment that lived at, XXXX at XXXX XXXX. The problem is that I was the only person on the lease and the only person that lived there. I was being stalked by a very crazy guy and filed multiple police reports against him and made the apartment complex aware of the situation. I also provided them with copies of the police reports. The apartment complex refused to let me out of my lease or allow me to move to another section. As I was in fear of my life I moved out of the apartment but paid the last months rent so that I would not have a broken lease on my credit report. After giving notice, returned all keys and moving out he broke in one night and completely vandalized the apartment. I have multiple pictures and police reports, his name, screen shot text messages with him saying he did it all the proof proving it was not me, even proof as to where he broke off the back door to get inside the apartment. The front office was aware of who did it but since I was the only person on the lease I got charged. I tried to contact the apartment to make payment arrangements for the damages, even though I do n't feel responsible, but they continued to ignore me.
My mortgage was switched to SLS ( Specialized Loan Servicing LLC ) a year ago and have had various issues with payment amount due changing numerous times and do n't know how they are even coming up with the amount due let alone they ca n't correct the issue created by their mistakes when applying funds sent in to supposedly get account fixed so payment amount would be correct and consistent. In XX/XX/XXXX I sent them a {$10000.00} check that was documented in my account before I sent check as to how to apply funds and also hand written on escrow shortage payment slip to pay shortage and apply the extra to principal. They used money to pay my regular payment due ( which I was sending separately and advised before money sent ) and the rest was not put toward escrow shortage or principal. So since then they have gone back and forth trying to fix this but it has only got more confusing no one there can explain, audit or resolve this besides sending a note in account to another department ( that department is who made the mistake originally not applying funds correctly ) and they have no other contact person in that department to speak to so they send it, the department screws it up more, I call again and now my next payment due is showing {$2400.00} ( are you kidding!!! I just sent them {$10000.00} ) instead of {$1200.00} ( last amount quoted that would be payment for the rest of the year. They do n't have an accounting, audit or corporate contact number for me to try to get resolved and the customer resolution department ca n't fix because they send it to cashier Dept no one can speak to. Please help me get my money applied to account corrected and any fees/interest charged by misappropriation of funds credited so I can make my monthly payment and not have amount switch monthly not able to pay if they keep switching after quoting me amount they say for sure will be the next payment due for the rest of the year. It is n't the same and has yet to be amount due on next bill so when I 'm told for sure, I tell them I highly doubt it because for sure has not happened and I even told agent on phone that it keeps switching they say do n't worry they fixed and are right. I do n't know if I need a lawyer or who to hire to get straightened out, please get me help from a real auditor that has knowledge and power to physically be in the phone and change/fix my account at the same time without sending to another incompetent department.
I type a full " box '' describing my complaint and had just started the first few lines in the box requesting the desired outcome. Then suddenly your complaint form disappeared. So, I will try to pick up where I left off XXXX XXXX XXXX. I wish to continue making student loan payments as I have for over ten years to a reputable loan servicer which may or may not be Nelnet in XXXX XXXX. To date, I file a complaint with the Arkansas Attorney General XXXX XXXX XXXX and included the information in the first box ; now disappeared a few minutes ago. We believe the Arkansas XXXX XXXX XXXX ( XXXX XXXX AR ) may have provided our " private information '' including Soc Security nos. for both me and my wife, birthdates, checking account nos., etc. We worked with AR XXXX last summer XXXX and we were shocked to learn our student loan was placed in forbearance for one year which we did not authorize. In the alternative, Nelnet may have provided our " private '' information to loan companies like XXXX in California. 

You say not to provide " your ( our ) name, account no., address, Social Security numbers, etc. So hope someone at CFPB sees this. Very odd.
I would like to be credited in full, of all the fraudcharges including, the charges for products andservices, they claimed they offered that I 'm notsure what they are. I did not apply for creditwith this company, or with any one that maybe associated with as a victim of fraud. 
I feel like I 'm being scammed agained. 
for these reason I do n't use credit card norapply for credit.i do n't feel safe.
There was a collection on my account that was inaccurate and the company sent proper paperwork to have it removed but TransUnion has refused to update my account. I have payed many accounts to XXXX balance and reports and scores are not reflecting my current credit standing. I also have lots of old student loan accounts that were consolidated into XXXX accounts. The credit bureaus continue to reflect these accounts as open instead of closed. I have been diligent about cleaning up my credit but i need the credit bureas scores and reports to reflect my positive credit history.
Re : Hard Inquiry/Unverified on my behave I recently checked my credit report with XXXX, XXXX, XXXX.It reflects that an unauthorized Hard Inquiries from your company : CBNA Hard Inquiry done on : XX/XX/2017 Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY I mailed a letter to XXXX, XXXX, XXXX to Dispute center and to the Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, SD XXXX.I have not yet received any return correspondence from CBNA.
I closed an account with  CIT  bank in  XX/XX/XXXX which I had used to keep funds after the sale of my home a couple of years earlier . CIT ba nk did not send me my tax forms for  XXXX  until   XX/XX/XXXX   after I had already filed my  XXXX  taxes. They had emailed me information regarding the forms in previous years but ceased all email communication after I closed my account. I updated my banking information across multiple banks  which I used after the sale of my home and all banks except CIT mailed me the forms to my proper, new address. When I contacted CIT they stated they monitored all communication and stated I never contacted and never updated my address them which is not true. I am now facing a costly amendment process to my taxes.
Upon checking my credit score i noticed a loan for XXXX from a company called XXXX XXXX XXXX i have disputed this account with all 3 credit bureas and XXXX and XXXX removed the account but equifax has not removed this account from my credit account equifax provided them my police report and they have yet to remove it still so i am working closely with the police department to help get this resolved i also asked them if they could remove this from my credit bureau and they stated no that they could not do that untill the issue is resolved so at this point i no longer want to talk or deal with them because the awnser they gave me lead me to believe that they are trying to make it look as if im the one that did this i am a victim of identity theft i have been for many years and there is a fraud alert on my credit report so i dont even understand how it even got threw my equifax score has decreased because of this i am going to file law suits against them if they do not remove this account this is part of my WARNING!!!! to them is step 1 filing a police report and step 2 filing it threw CFPB opened XX/XX/2018 term 60 months monthly payment XXXX it shows open and its a unsecured loan it also shows that it is late in which this account is a fraudulant unauthorized account that do not belong to me Please remove this from my equifax credit account or else.
A prospective client found me on my website. He asked for my professional services. I quoted my price and he sent a check that I deposited in my Wells Fargo Checking Account. The amount appeared in the Pending Transactions Window for three days. The fourth day, a Monday, it was in the CREDIT COLUMN. I believed the check had cleared. Fraudulent client asked for money back on Tuesday. Tuesday morning the amount was still in the Credit Column. I sent him {$4000.00} out of the {$5800.00} he had sent as I had already started the work.I had a cashier 's check prepared at 1 PM on Tuesday at a Wells Fargo branch and deposited the money at the bank indicated by the fraudulent client. On Tuesday night Wells Fargo informed me the check had not cleared although it had been in the Credit Column since Monday. I sent the money back believing the check was solvent. By the time Wells Fargo informed me that this was not a check supported by funds it was too late. My question is - WHY WAS THE AMOUNT IN THE CREDIT COLUMN OF MY CHECKING ACCOUNT AND NOT LEFT IN THE PENDING TRANSACTIONS WHERE IT HAD BEEN FOR THREE DAYS? Wells Fargo fined me {$12.00} and takes absolutely no responsibility.
I called Navient on several occasions to lower payments based on my income and was pushed off making it so my loans went into a past due state which not only affected my credit score but also my cosigners. They also sky rocketed my interest rate from 7 % to 10 %. They also called me upwards of 4 to 5 times a day even though I expressed to them several times I needed to change my payment or defer it until I could afford what they wanted me to pay and they told me that was not an option.
I will like to file a formal complaint against USAA Federal Savings Bank with the Consumer Financial Protection Bureau ( CFPB ). USAA allowed the transfer of funds from my account without my permission and without timely notification of the transfer in accordance with its own policies and procedures governing transfers. On numerous occasions I tried to resolve this matter with USAA. However, as the detailed chronology attached will indicate, USAA failed to take responsibility and has attempted to absorb itself of all responsibility. Therefore, am compelled to file a complaint to seek relief. The relief being sought is to restore those funds that were transferred without authorization and pay the required interest. Any punitive damages legally mandated or part of any pending legal action against USAA are also being sought. For the record, it is relevant that I inform you that I currently reside in XXXX XXXX, XXXX, XXXX. Given that I am not residing in the United States, I specifically requested and it should have been noted on my account to follow specific security procedures before releasing any funds. This is part of the overall USAA policies and procedures governing the transfer of funds. Please refer to the attached " CHRONOLOGICAL OF EVENTS. '' In closing, this is a textbook example of the worst customer service responses to me a customer who had immediately notified them of suspicious activity on my account and requested that they take actions to prevent further breaches of security. USAA representatives did not take " reasonable and timely '' actions after I notified them. This is also a breach of USAA 's own policies and procedures. Even without notice from me, USAA was supposed to have sent email notifications to me asking if I had authorized these transfers/wires. This was not done. To complicate matters and to show either willful neglect or incompetence, after I notified USAA representatives of the initial unauthorized transfers, USAA neither took actions nor notified me via email or telephone of these unauthorized activities. Therefore, USAA is one hundred percent ( 100 % percent ) liable for damages to me.
I opened an account with XXXX ... however somehow they opened XXXX at the same time. Account # XXXX is the current account I am using and paying for. The second account XXXX was supposedly closed in XXXX, then supposedly credited and closed again in XXXX when I called the second time and sat on the phone for XXXX hours, after being accused of not paying my bills. In XXXX I received a notice from Stellar Recovery that I owed XXXX. I have a bankruptcy on my past and I 've been working to repair my credit. This situation will create problems for me and lower my rating at least until I get it resolved. I 'm very upset. They want me to call the same people who have not fixed this before and sit on the phone for yet another hour.
I had a Chase XXXX XXXX credit card from Chase. A few months ago, Chase made a materially adverse change to the credit card 's terms. 

Specifically, Chase limited the number of guests allowed with the XXXX  XXXX airline lounge benefit and also disallowed points earning on the {$300.00} in travel charges each year that normally result in travel credits. 

Under the terms of the agreement, I could refuse to accept these changes - which I did. I called Chase to request that my card type be changed to one without an annual fee and that the annual fee be refunded. 

Despite making this request 4-5 times, the request was not processed. I finally escalated my request to a supervisor and it was processed however the annual fee refunded was pro-rated as of the date the change as made where as, under the terms of the agreement, I was entitled to a full refund of the annual fee.
I have filed lawsuits against TransUnion and XXXX. A s a result, these credit bureaus will not supply the required annual report for unknown reasons.
The same number calls me many times a day, especially while I 'm working or Unable to answer the phone and wo n't leave a message so I 'm unable to respond to their harassment.
On XXXX XXXX, 2017 I received a notification of a debt that is owed. When I search the Florida database regarding this company to collect a debt from me they are n't licensed in the state of Florida. This company is in Louisiana. I have not received a detail of the original debt to show this is owed.
Reports show open account when recent chapter XXXX should close all accounts. 
All education accounts should show IN GOOD STANDING.