WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX/XXXX/17 I applied for a Capital One secured credit card, in an effort to build up my credit. They required a {$49.00} deposit, in order to get a {$200.00} credit line. I made the deposit online, and gave them my email address.
Days went by and I received no email notification for my payment.
I received a piece of mail from them, saying my card would be coming soon, and if I have n't made my deposit payment yet, to do so online.
So I figured the first deposit never went through.
On XXXX/XXXX/17 I made a second deposit, thinking the first one was lost in the ether.
Turns out both deposits went through, the first one gave me a {$200.00} credit line, and the second deposit gave me {$49.00} additional credit.
I called them to say this is ridiculous, and is essentially theft. I overpaid them by {$49.00}. That money should either be refunded to me, or go towards a future bill. But after two long calls, with lots of " checking with other departments '', and being placed on hold, they flat out refused, and said they would pass on my information to their supervisor so as to improve their process in the future.
I told them I was very unhappy, and this is a very bad start to opening an account.
Claim number XXXX. I disputed a charge and Bank of America chose to  believe the merchant over me. They denied my claim and said that the evidence the merchant submitted was compelling and didnt even ask me if I had a rebuttal. XXXX told me they would reduce my cell phone bill but that it would not happen immediately, I said since it wont happen immediately then cancel it. They then said it would show up on my next bill cycle even after I told them to cancel it. This happened in XXXX, XXXX bill cycles have gone by and I have not received the service they claim to have given me. My phone bills are attached along with their email saying they would give me a refund. What compelling evidence did XXXX  give you?? Why didnt Bank of America ask me if I had anything else to add once the merchant refuted the charge? For Bank of America to assume my claim is false just because the merchant responded and said something different speaks volumes on how they really value their customers, and then tell me to fax them some documents and my claim may be reconsidered??? I dont think so. If my account is charged for this amount on XX/XX/2018 I will take legal action against Bank of America and not XXXX.
My lender is stating there are no home retention options since my previous denial XX/XX/2016. My application was re-submitted XX/XX/XXXX because of changes of circumstances. SPS never provided denial reasons or provided denial letter, in addition, the P.O.C was changed without notice, had I not called in to find out I was never properly notified. I last spoke to the previous P.O.C who verified we will be re-submitting file. After that, lender felt the need to only communicate with me instead of my attorney when they know very well that I have XXXX. SPS has never tried to contact me in the past until I retained an attorney. I am now facing a foreclosure and not being told the exact reason for my application being denied.
I have had an escrow for years with Fifth Third Bank to have my taxes and insurance paid. For some unknown reason Fifth Third did not pay my homeowners insurance and it is about to be canceled by my insurance company. I have been trying to get this resolved for 2 weeks and no one at Fifth Third is willing to help me get this fixed. This has been very frustrating and they have horrible customer service.
Was recently served by XXXX XXXX XXXX group representing united resource systems. They violated the fdcpa by not sending me any inital letter to dispute account. I disputed the account from day one with the original creditor. Also when i noticed the account on my credit reports i disputed the account which was then removed from 2 of my reports due to failure to verify. Even then united resource systems did not send anything violating the fair credit reporting act. Also they are trying to collect after the statue of limitations.
I received a notice from my credit monitoring app that my score dropped due to a new collection account. When I logged in, I noticed a collection from Medical Data Systems. I was not notified in writing from this company that they were going to put this on my credit and according to the Fair Debt collection act, I 'm supposed to be given ample notice and time to dispute and research the information. This company did not follow the rules that govern Fair Debt collection practices.
Debt is from 19 years ago I have written them letters told them repeatedly not to call me they call me daily very rude and abusive
Equifax provided lax security and allowed all of my personal information to be put on the black market.
As I continue to pay down credit card debt, Citibank along with other companies have been lowering my limit down to my current balance which in turn makes me look maxed out on my cards which is detrimental to my my  credit score  and perpetuates my credit worthiness problem. I wish they 'd just let me pay down my cards without constantly lowering my limit, especially since I 'm trying not to charge anything!!!!!
I owe Chase Bank roughly {$2000.00}. I am living on SSI income so I have no way of paying that. I mailed them documents stating I had " won '' money. They said they wo n't accept that as payment. XXXX. I also wrote the postal inspector about these " sweepstakes '' being potential scams and they have done nothing to solve this financial joke. XXXX? Why do these " enforcement '' agencies not do anything to go after scammers? My local police do n't XXXX about mail fraud, but on the show " XXXX XXXX '' they state mail fraud is a felony. an someone get off their XXXX and help me solve this problem with my bank so my credit is not ruined? Police would rather pull me over for my traffic signal not going on than mail fraud I get in the mail stating I am owed all this money.
i called ccs to pay the balance of {$150.00} they told me they no longer have authority to collect and it was sent back to XXXX. I called XXXX and paid in full. Its been a week since payment and its still listed on my credit report as a open collection with a balance of XXXX I would like this removed since they no longer have authority to collect this and its been paid in full.
After pulling a copy of my credit report I notice that this collection agency is reporting 3 accounts on my credit report on my credit report.

1. Act # XXXX 2. Act # XXXX 3. Act # XXXX I send them a letter disputing this claim and send it with tracking receipt XXXX XXXX XXXX XXXX XXXX XXXX. I requested that they send me any agreement that grants them the authority to collect. Or any proof of acquisition by purchase or assignment and authorization under subtitle D of the ARRA, SEC.13401.  APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. I also asked that they send me copies of any agreement that bears my signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. In which they have failed to send me these items and still reporting on my credit report. I am not at all refusing to pay I only send as a notice of dispute to the claims.
not able to get free credit report. after being denied credit. have to send photo copies of identity, and address.
I had all my loans consolidated with the Department of Education many years ago. Everything has been just fine and I've been making monthly payments all this time. 

Two weeks ago I receive a call from a company called Radius Global Solutions ( formerly XXXX XXXX XXXX ) they said that I owe money to a school called XXXX XXXX XXXX. I told them I never attended a school by that name. She started to ask me personal information such as my social security number. I told her I didn't feel comfortable processing the call because I felt it was scam. I haven't been in school in over 12 years and there is no possible way I owe any school any money because everything is consolidated. She said it was a in-house loan with the school for {$1500.00}. I asked her why I am just now being contacted over 12 years later. She did not have an answer for me. 

Two weeks later I got a letter in the mail from Radius Global Solutions. They are offering me to pay {$1100.00} to completely close this loan for a lesser price. The fact that it took two weeks for the letter to come was fishy to me too. 

I looked into who the Creditor was XXXX XXXX XXXX. They own a lot of schools around the country. I attended a school called XXXX XXXX School in XX/XX/XXXX. I did not complete the course due to unsatisfaction with the school. Almost all of the students were unsatisfied and the school ended up closing just 9 months later. The building stayed abandoned for some years. Many years later a new school was put there called XXXX XXXX. XXXX XXXX is listed as one of the school 's on XXXX XXXX XXXX 's website. So I'm assuming this has something to do with XXXX XXXX School.
XXXX continues to list improper information on my credit report. I have never had a loan with them, have never had a loan transferred to them, and have had extensive telephonic recordings and emails related to their illegal and fraudulent actions. I am getting ready to sue them in District Court in  California for {$20.00} XXXX dollars, if this is not fixed immediately. I will not wait more than thirty days. This has been an ongoing process, and throughout the duration, they have created two fake Master Promissory Notes, released my information to a scamming private, third-party debt collection agency, called XXXX XXXX XXXX , XXXX, and lied about being XXXX XXXX, which is a non-existent company. They have engaged in identity theft and fraud, and I do not want their name on my credit report. I have had no contracts with them and have not engaged in any business with them. Further, I did not have student loans. In addition, the information listed is absolutely impossible ( PDF copy included ). XXXX claims that I have a loan originated in XX/XX/XXXX and another originated in XX/XX/XXXX. I was not in college in XXXX, and as I'm sure you can imagine,  most colleges don't begin in XXXX. The loan amounts exceed Federal Loan Maximums, and would have been processed as one loan, not two. Everything they've done is wrong. I expect this to be removed immediately, and I intend to exercise my legal rights and sue them to make that happen.
XXXX keeps sending a balance to a collection agency, but insurance already paid it. This has gone on since XX/XX/XXXX. A year later, XX/XX/XXXX, I filed a grievance with our XXXX XXXX XXXX XXXX complaining about this on-going issue ( 2 yrs now ), in which the insurance company wrote back on XX/XX/XXXX stating the collection agency would be notified and all would be handled. However, XX/XX/XXXX we received yet another collection bill for {$520.00}. I called XXXX XXXX XXXX and spoke with XXXX, a representative. She spoke with the collection agency that this matter was already resolved. They instructed her to call XXXX because that 's who 's submitting the information for collection. XXXX spoke with XXXX at XXXX while I was on the line. After " investigating '' everything for almost an hour, XXXX had all the necessary paperwork showing the insurance took care of it so this issue should 've been resolved and that XXXX, my husband XXXX XXXX, should never receive a bill because of the type of coverage we have. XXXX assured us that this was handled. However, in XXXX XXXX we received yet another collection bill for {$250.00} with XXXX of the last transactions from the previous collections statement. On XX/XX/XXXX I spoke with XXXX XXXX XXXX about this issue AGAIN. She investigated, contacted the collections department and XXXX and said that all should be good. I just called the collections agency today, XXXX/XXXX/XXXX, to verify the status and found out they still show a balance {$250.00}. I then called XXXX to find out what was going on in which their system showed we have a XXXX balance. XXXX said they would forward the information to the collection agency and for me to call back tomorrow to verify if all is cleared, but refused to send me anything in writing that this matter is resolved. Meanwhile, my husband ca n't order any needed supplies ( we can order, but they wo n't ship it ) because in the " system '' we 're in collections. My husband has had to XXXX when they 're supposed to be updated regularly. XX/XX/XXXX XXXX with XXXX forced an order of supplies, but now our authorization has expired because of all this aggravating miscommunication between XXXX and their collection agency. I think this is unacceptable and the aggravation my husband and I have had to endure since XX/XX/XXXX because XXXX ca n't get their act together has led to this formal complaint. My husband is a XXXX and should n't have to XXXX, etc. I am hoping an investigation can be conducted in this completely outrageous situation so XXXX will be held accountable for the additional stress this company has put us through for 2 years!!!
I am a co-signer on a private loan ( with XXXX XXXX, who knows I am filing this complaint ) now held by American Educational Service - AES. They doubled the payment, without notice, several months ago, even though my daughter was unemployed until XX/XX/XXXX. I wrote to them recently asking for a forbearance due to a death in the family, and they did not appear to grant it as they said they sent me a message, nearly a week later, but I could not access it. I told them not to call me at work, as it is a public government institution, and I also told them not to have their collection agency, XXXX XXXX to call me, but they did. I have scheduled a payment for later in the week, which is over XXXX % of my daughter 's total salary per month, but I will still owe another payment. 

This company is awful. They need to be shut down. They increased the interest on the loan early on and it is nearly XXXX what we borrowed. 

Tell families never to take a private loan ; public ones are bad, too, but private ones are nothing more than goudging.
My wife held and qualified for the XXXX Bonus Miles offered with the Southwest Airlines Rapid Rewards Visa Card offered through Chase Bank. As required she spent the {$2000.00} within the first 90 days. The terms and conditions state that the " bonus miles will post after fulfillment of the requirement. My wife closed the credit card account prior to the miles posting but after " fulfilling '' the terms and conditions. The terms and conditions do not stipulate that the miles are forfeited if the card is closed prior to the posting. Furthermore, my wife was never informed of this over the phone at the time that she closed the account. Chase insist that they would have so informed my wife -- they did not. My wife holds XXXX college degrees including XXXX graduate degrees and is a highly paid professional. What are the chances that she would would have closed the account with a XXXX balance and forfeited the miles had she known? As stated, such information is NOT in their terms and conditions. The so called " Customer Service Specialist '' at Chase stated that the forfeiture information was in the letter that she received AFTER she closed the account. Little late then
Notified XXXX XXXX on XXXX that negative item was placed on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Requested XXXX XXXX to remove incorrect information off my credit report. More importantly, XXXX XXXX are in violation of FACTA section 623 ( A ) ( 7 ).  Never received any mail from XXXX XXXX.
Equifax is hacked, but at the same time said my info " might have been '' hacked. They should either give me an 100 % sure answer, or not to give me an answer.
I have never lived or even been to XXXX XXXX Mississippi but I was checked for criminal activity in that county the same as my other previous addresses as if I have lived there, I have had previously had issues with my social security number being used in places where I have never been and wasn't sure how to fix it. Not sure if it is related but I figured I'd let you know in case you can help with that also ...
On XXXX XXXX, XXXX, I was left a message on my phone that stated they were from the IRS Fraud department and they were advising me that the IRS was filing a suit against me for defrauding the federal government. The message gave me a phone number to call and of course I needed to get information as to why I was being sued. When I called, the woman on the phone said that a yellow notice had been put on my door on XXXX XXXX, XXXX and that I had 19 days to respond. When I said I did n't get a notice on my door, she asked if I was calling her a liar and she said she had a picture of my house with the notice attached to my door. I asked what I had done wrong and she said " you know what you 've done between XXXX and XXXX '' and an officer would be at my door in XXXX minutes to arrest me, handcuff me and take me to jail. By then I thought I was going to lose it. She then said, that there was XXXX option she could offer me and would give me time and the arrest warrant could be stopped. She told me that I owed approximately {$4900.00} to the IRS. She said the time was ticking and that I needed to move fast. She had me go withdraw {$5000.00} in cash from my bank. She stayed on the line because she said she needed to give me further directions. She then asked me to go to the Wells Fargo Bank and make a deposit to a certain account number and gave me the name of the person it was going to. She said that if I was asked why I was sending this large amount, to say I was helping a sick friend. I ask why and she said that banks have to put a freeze on all my assets if they get the feeling that I was in trouble with the IRS. She had me deposit {$3000.00} that time. Then I was directed to get back in my car and she would give me further instructions. This time she told me to go back into the bank and deposit the other {$2000.00} to a different account number. She told me to go to a different teller so it wouldn ; 't look suspicious and to keep her on speaker phone. She said that was the only way that she could assure me to keep me out of jail and out of court. She then asked me to go to XXXX XXXX XXXX on XXXX XXXX in XXXX, VA and have then email a copy of the XXXX receipts to XXXXXXXXXXXX. I told her I did n't know where that was so she instructed me to go to XXXX XXXX and have them email it. After that was done, she kept me on the line waiting for a confirmation number so that I could be sure that the attorney had cleared everything up. By time I realized that I had been scammed, it was too late. I could n't imagine how I was so stupid to fall for this scam. A report has been filed with the XXXX Police Department..
Lender was unable to explain to me why my balance owed is more than originally presented to me at application.
Bank of America failed to notify me in a timely manner that they sold my loan to another company. Bank of America sent me a letter dated XXXX XXXX, 2015 that the servicing of my home loan will transfer. The letter was not postmarked and did not arrive until within 10 days of the XXXX XXXX transfer date. Did Bank of America backdate the letter? Why was my notice not delivered to me with at least 15 days. Was there a delay between printing of the letter and mailing of the letter? If the letter was mailed on XXXX XXXX from XXXX XXXX, XXXX to XXXX and took three business days I would not have received the letter until the earliest date XXXX XXXX. Is n't Bank of America required to notify me at least 15 days in advance. That did not happen!
I had Fraudulent activity on my account in XX/XX/XXXX the amount of {$82.00}. I received a letter today indicating my claim was denied due to the fact my card has a chip and according to them it is impossible for fraudulent charges. Clearly that ia not the case since I KNOW I DIDNT MAKE THOSE CHARGES. The Company is now reversing the provisional credit.
I have disputed fraudulent accounts from XXXX - XXXX or accounts that need to be removed on my credit report for over years to Transunion and XXXX and nothing has been done. 

Transunion : XXXX XXXX XXXX {$230.00} - This was fraud XXXX   XXXX {$0.00} - I want this removed. This account was paid off. 
XXXX ( XXXX XXXX XXXX ) {$630.00} - Fraud account. I had two for this company the other one was for the amount {$470.00} that was deleted not sure why {$630.00} account wasn't. 
XXXX XXXX ( XXXX XXXX XXXX ) - Fraud account which was deleted by XXXX  XXXX XXXX {$320.00} - Fraud account that has been on my account since XXXX and still not removed XXXX  ( XXXX XXXX XXXX ) {$470.00} - Fraud account that has not been removed XXXX : XXXX XXXX {$320.00} - Fraud account XXXX   {$0.00} that I want removed account was paid off. 
XXXX XXXX XXXX {$1400.00} account was paid off I want it removed.
XXXX closed all XXXX of my credit cards ( XXXX personal cards AND XXXX for my small business ). The closure notice cited too many credit inquiries, despite my card account having been successfully opened over a month ago. I had XXXX inquiries on the cited report on XXXX XXXX, XXXX, and XXXX alone were XXXX! If inquiries were the real reason, they would have denied my last card on the XXXX/XXXX/XXXX! 

I think XXXX closed my accounts because I overpaid my credit card balance by ~ {$500.00}. I did n't know at the time but read later that overpaying your balance upsets them! 

Crazy how they my perfect record of making exact payments to XXXX is overlooked, by paying extra! 

I have done nothing wrong and this irrational action by XXXX will adversely affect my credit score and report. I am really disappointed in XXXX 's actions as a bank, as I was previously a satisfied customer and always recommended them.
XXXX is sending me a bill for physician services, however I do not believe the debt is mine. I have asked for proof twice, that this is my bill. They still are not providing it to me, I do not spell my first name with a XXXX.
Right before Hurricane Irma in Puerto Rico, purchases were made on my card that were not authorized. I reached out in person since we had no electricity or mail where I live in XXXX XXXX  XXXX due to damage by Hurricanes. They completely ignored my report that someone was making unauthorized purchases They have not sent an accounting so I can contest the unauthorized purchases.
AR RESOURCES INC OPENED A COLLECTION ACCOUNT ON XXXX15 FOR {$610.00} ON BEHALF OF XXXX XXXX XXXX. AR RESOURCES INC IS REPORTING THIS DEBT TO THE CREDIT BUREAUS. THIS AMOUNT SHOULD NOT HAVE BEEN REPORTED TO COLLECTIONS BECAUSE IT RELATES TO EMERGENCY SERVICES PROVIDED TO ME THAT WERE COVERED BY FINANCIAL AID THE HOSPITAL APPROVED. THERE WAS AN APPARENT LACK OF COMMUNICATION BETWEEN THE HOSPITAL AND THE PHYSICIANS IN THIS REGARD. THERE IS NO DEBT.
On XX/XX/18, I purchased shoes ( new, XXXX XXXX XXXX ) from seller for {$800.00} US. Seller provided pictures of fake/not as described item after the sale. I attempted to cancel and seller refused. Seller shipped me a box with a completely wrong item, heavily worn XXXX basketball shoe wrapped in a towel. 
Paypal dispute opened on my behalf and they said they cant do anything for me because the item i received was what i paid for! How did inpay for this! It doesnt even math the description of what i initially paid for.
I downloaded an XXXX app called XXXX and my Chase bank is supposed to send the information that the apps company needs ASAP. However the bank is slacking which I know is considered misbehaving..