WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX - I sent notification of dispute by mail to XXXX XXXX and did not receive a response. I will include a copy of the signed receipt of the certified letter. 
XX/XX/XXXX - I sent disputes directly to all three credit bureaus regarding the item. XXXX, XXXX and Transunion. 
XX/XX/XXXX - I received fraudulent documents from XXXX XXXX with a signature that does not belong to me and XXXX XXXX transferred the debit to a collection agency - XXXX XXXX XXXX, who is now reporting the item. 
XX/XX/XXXX - I sent a dispute by mail to XXXX XXXX XXXX regarding the fraudulent item.
I sold a book on XXXX XX/XX/2018. The money went to a PayPal email that was not fully set up. The problem is with Paypal. I called once or twice that week and tried to set up my bank account with Paypal. The links didn't work and so I entered my bank information online about 5 times. None of the attempts saved the information to my profile. 

Some where around XX/XX/XXXX, when the funds were suppose to be available, I called a few more times for the funds to be released. After about 3 phone calls that week, the funds were released. I again tried to link my bank account, but again it wouldn't work. So I tried to send money to my other Paypal account. The rep snottily said that of course I can't send money to myself! You can't do that! 

So I gave up trying to get my {$41.00} until today. I again tried to link my bank account and send the money to myself. The customer service rep seemed to have issues understanding me and repeated back my problems as solutions. It was quite odd. She was not able to get my funds released. Her only suggestion was for her to enter my bank account number. At that point I had no confidence in her ability nor did I feel comfortable giving her my bank account number! She then walked me through a few circles and then was surprised that an option was not available for them to send me a check. That's all I want. 

I asked to talk to someone else because we were having problems communicating. Her supervisors name was XXXX. He had less customer service skills than the first rep. He also wanted my bank account number. I was so frustrated I said that maybe I should just take this to social media. His response was if that's you want to do, go right ahead. So I went to their XXXX  page and there are many there with my complaint as well as worse complaints. 

I just want my money. {$41.00}. They are holding my money and won't send it to me.
On XX/XX/XXXX I was in email contact with XXXX XXXX at XXXX XXXX XXXX   (XXXX & XXXX) in regard to financing a used vehicle through that dealership.  After discussing financing options, I informed XXXX  by email on XX/XX/XXXX that we decided against purchasing through XXXX XXXX XXXX XXXX. In XX/XX/XXXX, after receiving multiple credit denials from multiple finance companies for both my husband & I that we did not authorize, I check our credit reports, and learned that on XX/XX/XXXX multiple inquiries were made to our credit report on behalf of XXXX XXXX XXXX XXXX.  My husband contacted XXXX XXXX XXXX finance dept & informed them of these unauthorized inquiries & he was told (did not get persons name) that they would take care of it. On XX/XX/XXXX, we received yet another credit denial letter for both my husband & I.  This time it was from XXXX XXXX on behalf of XXXX XXXX XXXX.  So I again, checked our credit reports to find another unauthorized credit inquiry on XX/XX/XXXX
Earlier this fall Bank of America and one of its Vice Presidents XXXX XXXX, of a branch in XXXX, Florida, undertook a concerted effort to injure me financially and inflict intentional mental anguish. 

This collusion of the personal and corporate to intentionally inflict demonstrable, tangible, and in some cases, irreparable harm towards me was and continues to this day to be in retaliation to my documented exposure of Bank of America 's non-compliance with certain key components of CFPB 's regulations. 

XXXX XXXX XXXX represented that she was there to help me and asked that I run ALL my Bank of America business through her because she had my best interests at heart. 

Not only will the facts show this documented assertion to be a fallacy, those same facts will demonstrate this was a conscience tactic of Bank of America to deceive me and make me act in contradiction of my best interests. 

The issue that first caused me to raise alarm officially towards Bank of America 's famously predatory business practices involved a key five day window of protection a consumer is entitled to under Dodd-Frank and as promulgated by the CFPB following a deleterious claims decision. 

Bank of America was ignoring this and numerous other aspects of both general underpinnings of American consumer protection law and specific rules and regulations as delineated throughout federal and state banking code. 

There needed to be quick action at the time to protect the rights of not just me and my case but for an entire class of individuals in similar situations who were also being subjected to Bank of America 's actions or inaction. 

In a situation that necessitated an almost immediate remedy Bank of America and XXXX XXXX at first committed to an answer within few days - 'by the end of the week ' - yet instead took months upon months of unresponsive arrogance to produce what will be shown to be nothing more than voluminous and vapid subterfuge which while heavy on insignificant factoids lacked a cohesive response to Bank of America 's systemic non-compliance, the core of my complaint, or even answer simple questions raised throughout the process. 

In the complaint I filed last I alerted assorted entities including CFPB that it was my belief that Bank of America was retaliating against me for exposing their violations and non-compliance. 

Again Bank of America dragged its feet in providing a response until just recently when I received notification from Bank of America, with no explanation provided, that they were closing ALL my bank accounts including ones totally unrelated to the issues involved. 

Futhermore they indicated an intent to seize funds still in dispute. 

They did what a predator does when confronted by its abusive behavior, they ignore the accuser, and escalate the abuse. 

While the list of egregious injuries reigned down upon me for simply asking some questions is too large to discuss in this toothless forum, XXXX XXXX and Bank of America should take no solace in assuming this marks the end of these issues, their culpability, or the punitive consequences for their actions. 

Stay tuned.
I had  a CareCredit Card tha t was not accurate with the terms of the card. After awhile I did not receive a bill or a call from them until later in the year of  XXXX . They sent me a court notice where they are suing me for the remaining balance. Once I answered and filed my reply they again did not contact me. Afte r two months I contacted Care Credit to make an arrangement in good faith but, to my avail they did not  want to compromise and were demanding a large monthly payment after informing me that my account was still in the promotion period. After several tries to compromise with Care Credit I had no success and they are currently trying to sue me. I explained to them that I was no longer employed and struggling to maintain at the moment but, they did not want to accept my offer. I need help in this matter. I received this card in  XXXX  or  XXXX . While employed I made several payments on time and some a day o r two late but, every month my payment was increasing and customer service could not and did not explai n to me why this was occurring. I need assistance in this matter as soon as possible. Thank you
I have a a unverified account from XXXX. I had previously disputed this account. I have never done business with XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number # XXXX
It was a account with XXXX XXXX. The account was transfer to Security Credit Service LLC. I was given XXXX XXXX XXXX by XXXX XXXX on XX/XX/XXXX. I contacted XXXX XXXX between XXXX which they stated that they was the owners of the account. They never stated that Security Credit Service purchased this account from XXXX. The manager at XXXX XXXX stated nothing would be reported unless it waspaidin XX/XX/XXXX. I paid account on XX/XX/XXXX on XXXX XXXX. The collections from dated on XX/XX/XXXX from security credit was sent on that day. I would like negative on credit to be deleted per XXXX XXXX agreement. Today XX/XX/XXXX received saying nothing will be removed. 


XXXXAssignment of consumer debts.This part does not prohibit the assignment, by a creditor, of the right to bill and collect a consumer debt. However, the assignee must give the debtor written notice of such assignment as soon as practical after the assignment is made, but at least 30 days before any action to collect the debt. The assignee is a real party in interest and may bring an action to collect a debt that has been assigned to the assignee and is in default. 

If the notice was on XXXX paid on XX/XX/XXXX. They shouldn't be reporting debt. XXXX they had XXXX XXXX collecting without knowledge.
I took out a loan through Duvera Financial to finance a gas scooter so that I could get back and forth from work. After having to contact the CFPB over Duvera changing my interest rate and payment amounts agreed on, their were no issues. 

Then this past week, on XXXX/XXXX/15, I logged into the payment portal, and made my monthly payment, as I have every month, XXXX single payment a month. However, on XXXX/XXXX/15 at approx. XXXX, I noticed that the payment I submitted had processed through, but an additional payment was taken out of my bank account for the same amount, on XXXX/XXXX/15. I immediately called Duvera Financial, and was placed on hold for XXXX minutes before being told by a " XXXX '', that I made XXXX payments. 

When I stated that I only made the XXXX payment on XXXX/XXXX/15, she instantly started saying that I did no such thing and placed a XXXX payment. After pointing out that I only make XXXX payment a month several times, she proceeded to state that I had set up an Auto-pay on the account ( which I did no such thing, as every payment made has required me logging in and scheduling the payment up until this point ). She then said that she would put in a request to cancel the payment, and that I should see the payment reversed in 3-4 business days. 

I just contacted my bank ( XXXX XXXX ) to be told that they do not see any pending transfers on the account in question, and that they do not see anything from Duvera. So I contacted Duvera yet again at XXXX on XXXX/XXXX/15. After another XXXX minutes of being on hold, I finally got someone who would not give her name when asked. When asked about the status of the refund for the pending amount, she told me that " You called us on XXXX/XXXX/15, it 's only been XXXX days. It takes time to reverse the payment. We do n't know when it 's going to be credited back ''. I asked for a supervisor, was placed on hold, then a guy answered the phone and said that it will be another XXXX business days for the refund on the payment. 

As of now, I 'm accruing NSF fees through my bank becuase of the XXXX payment that they took out, because my bank processed the payments that were due to be taken out at the same time as the XXXX payment was processed. Now as it sits today, I 'm owing my bank {$140.00} from bills that were processed out and NSF fees that have been accrued by Duvera taking a XXXX payment without my authorization.
this is XXXX XXXX i 'm here to file a complaint again all XXXX credit reporting companies ever since last year i apply for a credit card from XXXX XXXX they pull my credit but the problem is they said my credit was locked by credit reporting companies they had no right to lock my credit so i could n't get my score they been messing with my scores they keep knocking off points from my score keeping me down in the XXXX i should have a good credit score i try to pay my bills on time i 'm trying to build credit but these companies do n't wan na give me a good score there doing fraud things to me and i want to find out what i can do about it i been trying to get all XXXX credit reports but they do n't wan na give me a report and score so i can know how my credit is doing they do n't post to keep you from getting a report
I contacted the CREDITOR requesting my original promissory note to validate the loan collection. I have received a copy of the promissory note from them which is counterfeit and does not prove they are the holder in due course and does n't bind me into paying them a dime. I requested that if they can not provide this validation of debt to take their marks off of my credit report to all XXXX credit agencies also to give me the title to my vehicle. They are still sending me letters requesting that I pay them for a loan that is not even validated.
I discovered around XX/XX/XXXX that XXXX XXXX XXXX XXXX was reporting a Line of Credit loan in the amount of {$12000.00} on my Experian, XXXX XXXX and XXXX reports that does n't belong to me. The account belongs to my mother, and sister. I never applied for nor co-signed for this loan. I was added to my mother 's account as a joint owner so that I can handle her financial affairs since she has XXXX. I disputed the account and received my Experian dispute result on XX/XX/XXXX which XXXX XXXX reported to them that they were reporting it correctly. I called XXXX XXXX and spoke with the loan department and asked them why they 're reporting this account as if it is mine. They told me that because I 'm a joint owner on my mother 's bank account and have access to the Line of Credit that 's why they 're reporting it. I disagreed and told them this ca n't be legal and that I want it removed. They told me the only way they would remove it is if I dropped myself as a joint owner on the account.
I have several casino withdrawals from my account. As you can see in the attached statement, XXXX transactions for {$50.00} I was charged a {$35.00} fee for saying they 're fees for transactions received. 
Then XXXX {$50.00} item after that says NSF returned item fee for XXXX. So since the first XXXX said fees for items received, I concluded they were paid and I was just charged. Now these XXXX items are posting as retry payments when it was n't clear they were returned like the XXXX one stated. Wells Fargo also does n't show the balance with each transaction so you ca n't tell if your balance is negative or not, giving you the chance to deposit money to cover the balance. You also do n't know items were returned until the next day when you get notice. Again if the balance showed online, you would be able to see the balance was negative. The only thing they do is offer their services for overdraft protection, of course a sales tactic. I believe all of these banks count on the fees they can gouge from our accounts and they do n't work with their clients. Everyone I know in this world is struggling with this economy and we, the middle and lower class get screwed by banks with these fee gouging and lack of communication. Wells Fargo has the worst online site and their customer service is the worst. All they do is quote policy and do n't answer specific questions you ask. I have direct deposit every two weeks and manual deposits on the weeks in between the direct deposits so Wells Fargo knows money will be in my account. I also enjoy online casino gambling so money is deposited from this as well. They can see how much money goes in and out of my account. Even when I contact them through their online site to advise a deposit is going in the next day, they still say they ca n't help and I have to call. Everyone uses email as means of communication these days with our busy work schedules so why do they force you to call? Sorry, got off track of the issue. Not knowing these items were returned and going to be retried have caused problems with my balance available and will effect everything else coming in. Someone in this country must address these bank issues as they are killing our accounts with their outrageous fees. The items I 'm talking about are the recent items but it copied a whole statement.
Yes I went to ATM machine on XX/XX/XXXX Friday I deposited money for me and my children bills food etc that I had withdrawn coming out of on Saturday then the ATM machine malfunctioned and did not post my money to my account I was crying and upset like anyone would me a bank teller walked bye me never stopped to help me she said the the 800 number when I called the bank on XXXX XXXX and XXXX in XXXX XXXX Nevada they told me after I was begging them and crying to please put my money back they told me I would have to wait 45 days to get my money back in the mean time my family has no food gas money for Work school and my nerves are shot all my transactions failed and I have charges not right at all this should have been put back into my account then investigate I was pusished because there ATM machine broke
Affidavit of Denial XXXX XXXX XXXX XXXX OF XXXX XXXX OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of XXXX and am a resident of the XXXX of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 

2. I suffer no legal disabilities and have personal knowledge of the facts set forth below. 

3. THIS IS NOT A DEBT VALIDATION LETTER Date : XXXX/XXXX/XXXX Dear Client Services, Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Account Number : XXXX Reference Number : XXXX Amount Balance : {$5600.00} FTC Identity Theft Report Number : XXXX Victim Fraud Assistance Department I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. I deny this debt as I am a victim of identity theft. 

Please provide me with the following : 1. Agreement with XXXX XXXX XXXX that authorizes you to collect on this alleged debt 2. The original non-electronic agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete non-electronic scan payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ). If your office fails to reply to this denial letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 
Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX cc : Pennsylvania Attorney General Office cc : Better Business Bureau cc : Consumer Financial Protection Bureau cc : Office of United States XXXX XXXX XXXX
XXXX Please reference this case. 

There are a lot of misinformation given. After receiving your decision I called back Nelnet to get a better understanding of what happened in case I just was n't understanding. 

-The response on XXXX/XXXX/XXXX said that my per Diem was {$14.00} but when I called Nelnet the adviser told me my per Diem had gone up to {$14.00} and said that the report given to CFPB was not accurate. Same day response. 

-When I switched to a traditional payment plan they steered me to forbearance for over 30 days to allow the system to process and raised my back due interest to {$1700.00} as of XXXX XXXX. My payment will be {$530.00} which of that {$440.00} was going to be the interest portion and the rest was principle. I said I intended to pay {$600.00} per month and they informed me that any money above and beyond had to pay the back interest of {$1700.00} which means it will take me 2.5 years approximately to pay off that interest they steered me towards. 

I feel like I 'm in this situation due to them steering me toward the forbearance. 

That 's my issue
Rec 'd call XX/XX/XXXX, XXXX, from XXXX seeking XXXX XXXX . Caller said he represents Allied Interstate [ a collection agency ]. I have been getting these calls since XX/XX/XXXX and I 've told Allied Interstate since that I do n't know her ; that the number called has been reassigned and to cease calling and removed my number, but to no avail has this harassment stopped to date.
I signed up for an offer for an American Express XXXX Honors Ascend credit card on XX/XX/2018 because of an offer of XXXX XXXX Honors points after you spend {$2000.00} within the first three months of account opening. I contacted American Express today because I met the {$2000.00} spending in XX/XX/XXXX, I had approximately {$2500.00} of spending, but I have yet to receive my sign-up bonus points. The representative I was chatting with said it would take 6-8 weeks before I'd receive my points, but I stated I hit my spending requirements more than 10 weeks ago. His response was that my spending requirement was {$3000.00} not {$2000.00}, I quickly stated that the offer I signed up for was for {$2000.00} not {$3000.00} as he stated it said on my account. He stated I wasn't correct because in my account it showed {$3000.00} in which I asked for the terms from my date of signing up, and he said he could not provide those terms because they are " online. '' I also stated that the {$2000.00} is inline with the current offer of XXXX XXXX Honors points after spending {$2000.00} within three months offered today on their website. After further discussion he got his supervisor to take over the chat, he stated the same thing but offered to open a complaint with AE which I declined. Then after that the chat session was closed due to inactivity online because it had been over 10 minutes since I signed into my account. So, I called the 800 number for AE and spoke to XXXX ID # XXXX, he basically stated the same thing but understood my concern. He said there was nothing he could do for me though beside opening a complaint. He opened a complaint, # XXXX, of which he said they may contact  me within 7-10 days. The chat ID is XXXX. 

American Express does not send applicants copies of the terms and conditions of the offers so they don't have to follow through. Nothing in my account online shows the status of reaching my sign-up bonus, so they are purposely not disclosing this information to mislead customers.
I have send 2 letters with attached requested documents for my identity to Transunion. I have several items reporting incorrectly on my credit report. They always use to send a generated report not proof, no verification no requested documents etc. I have not received any verification or deletions to my recent disputed claims with them. I sent this information via Certified mail. They are failing to provide and proof due by federal mandate. They are reporting inaccurate information, cards that were stolen from me and more.