WillisBack/dataset-financial-user-claim huggingface dataset:
This is aimed towards the BB & T Branch at XXXX XXXX XXXX XXXX Phone number XXXX. On XX/XX/2017 there were several fraudulent checks deposited into my bank account ( that did n't even have my correct signature on them ) in the amounts of {$8800.00}, {$360.00}, {$200.00}, and {$250.00} I immediately went to my bank the next day they were opened ( Monday ) and attempted to file a claim. I was told that i could n't file a claim until the checks posted in my account ... .I said okay and immediately after i left the bank i went to file a police report so they could get the video footage at the ATM that the deposits were made. After a few days without hearing anything at all I went into the branch to see if i could file the claim now. I filed the claim ( on all of the deposits except the {$8800.00} amount since it did n't post in my account yet ) and waited to get results on how long i was going to be able to recieve the original funds in my account before the fraud checks were deposited, which is {$630.00} as of XX/XX/2017 ( and i also have photo proof of that amount ). I also called the Centralized Fraud Claims team multiple times while waiting on a time frame, just to be sent to another department and had to wait another 20 minutes to get somebody on the line. It was very frustrating. Bb & t finally got photo proof of the individual who made the deposits ( and OF COURSE it was not me ) but they still feel that my claim should be denied and on top of that the manager told me i would have to cover the negative balance of - {$640.00} in my account! So i am not only falling behind on bills and basically throwing away {$630.00} but i also have to pay the negative balance on top of that???!!! This is very very unfair and i wish to dispute this today to get my funds back! I have bills that i already have late fees on since my account was closed for over 10 days until they even made the decision to deny my claim.
To whom it may concern : I have been dealing with Ally Financial for approximately 6 years with an auto loan. In the month of XXXX I had spoke with an Ally representative requesting an extension for my XXXX payment. The represented submitted my request and I was advised they will contact me to verify if request was approved or denied. 
The following week I received a phone call from Ally requesting to collect a past due balance. During the call I advised the representative that an extension was submitted and requested if we could review that. The rep places me on hold for a minute or two. Once they break the hold they advised that they request was approved. I asked the rep again to verify it was approved and they stated yes. I then asked if this was approved why am I receiving this phone call? The lady apologized and advised she will have my information removed. About a week later I received another call requesting to collect a past due amount. I speak to the rep and they stated the approval was never approved. I then asked if every call is notated and if they can pull up the notes and if I can speak with their representative. They then confirmed that they see a call was made out on that day but no notes were left on the file. My next request was to speak to a supervisor to have that call pulled. The supervisor said they have to submit the request and a manager will give me a call back. 
A week passes by and I receive a call from a " supervisor ''. The gentleman most likely did not read any notes. I had to explain everything again to another representative. Once I brought him up to speed I asked if they obtained the recording. The gentleman advised no and then stated he will have his manager reach out to me within 2 days. After not hearing from anyone I attempted to call back the number the gentleman called me from but the number was not valid. 
After calling back the customer service number I spoke with a gentleman by the name of XXXX who actually read over the notes thoroughly and apologized. He then advised he can not pull the recording but advised me to switch my bill date for the time being in order to prevent the negative hits I was receiving to my credit score.  He then stated that I will be contacted the upcoming business week from a manager. This issue began in mid XX/XX/2018 at this very moment XXXX pm mst I am on my 4th call to Ally in efforts to resolve my issue. The most upsetting thing about this process is that there is no representatives you can speak with in the states. My credit score has been dramatically impacted by this run around and I have yet to receive any resolution at this time.
On XX/XX/2018 I was denied a loan because the condo association which I was purchasing the condo from did not have enough funds in there reserve and was not approved. 
All closing cost should have been paid " At Closing '' However, On XX/XX/2018 Citi Bank had prematurely charged me for closing cost totaling {$790.00} Appraisal - {$590.00} Credit report {$21.00} Application Fee {$170.00} Flood Certification {$5.00} Citi Bank should have waited until they had all the proper documentation ( Questionnaire ) in place before they requested payments that are usually made at the time of closing. Please see attached documents.
I have had a Macy 's American Express card for a couple of years. Out of the blue this week I received a letter from Citibank that I have been enrolled in a Credit Protection plan that I never agreed to ; and in order to avoid being charged I need to call Citibank. I have never knowingly signed up for such a plan and believe this to be fraud on the part of Citibank and XXXX XXXX. I have canceled the card, but it is my understanding that these " opt out '' programs are not legal
JH Portfolio Debt Equity  is attempting collect debts that are not owed. I had contacted the original creditor numerous times with several  XXXX  e-mails and letters to the company including the company CEO explaining the debts are not owed.  XXXX   XXXX  refused to reply. Additionally the debt is outside the statute of limitations and therefore can no longer be collected on.  JH Portfolio  has issued trades lines on my credit bureau listing.     Additionally, complaint  XXXX  was filed on   XXXX   XXXX   XXXX     against  JH Portfolio.      The companies response was they would validate the account. JH has failed to provide any type of validation, nor has sent any notice that a debt is owed to JH. JH responded to the complaint on   XXXX   XXXX   XXXX    , and  XXXX  days have now passed without any type of debt validation.
Re : XX/XX/XXXX & TODAY, XX/XX/XXXX TWO DATES, TWO COUNTS : The contract fraud and the invasion of privacy : Without prior consent and agreement Capital One modified the normal method I gain access to the account and now requires me to waive my right to privacy through an intrusive message prompt instructing me to call them at XXXX if I need help. 


They offer three options but block the option I choose to use.

Capital One can not show any agreement between us where I consent to communicate with them by telephone or text. 

To do so waives a right to privacy when the connection begins with their use of an automated voice device that introduces the caller to the system guide that will confirm the waiver with each step. Next an audio message discloses the callers ' voice will be recorded during the call and lastly location identification of the caller is collected & stored. 

The blocks are abusive and negligent, and violate my rights under the ADA. 

They must correct their error and the pattern of negligent, intrusive and interference with my financial duties & responsibilities.
Loan has been sold multiple times. All payments have been made but current servicing company ( GMFS ) claims did not receive payment from previous company ( XXXX ). All available documents including proof of payment via bank, bank statement showing electronic payment, letter from the Bank Manager, and letter from previous company have not led the current servicing company to reverse late charges, correct credit reporting, or credit previous payment and principle to account.
Peoples United Bank is harassing us by applying mortgage payments late, making multiple suspicious debits and credits that offset each other, and reporting false interest information to the Internal Revenue Service. Peoples United reported to the IRS less interest paid than was actually paid on a XXXX for XX/XX/XXXX. A separate complaint has been filed with the IRS regarding filing the false XXXX. 

Peoples United Bank did not apply a {$450.00} extra principal payment when it was taken out of my checking account on XX/XX/XXXX. Instead it logged a {$450.00} payment on XX/XX/XXXX, then logged a debit for {$450.00} on XX/XX/XXXX, and 15 days later logged the payment for {$450.00} on XX/XX/XXXX. It also failed to process several written requests to increase the extra principal payment from {$1800.00} per month to {$2200.00} per month on the XX/XX/XXXX of each month. As a result the extra principal payment was applied 3 days late, and then applied 13 more days late. When we requested help the customer service representative, XXXX, told us we completed the form incorrectly and harassed my wife about completing the form correctly. She was extremely rude and inconsiderate.
I was shocked when I reviewed my credit report and found a late payment on the dates below : XX/XX/XXXX of 2018 a 30 day late was recorded I am not sure how this happened, I believe that I had made my payments to you when I received my statements. I also believe that my card is or should have been set up on auto-pay. 

My only thought is that my monthly statement did not get to me. I called and was told that I didn't have a balance on my account so I'm not sure how this late payment could have been recorded
I occasionally sell items on eBay and use PayPal to collect payments. I depend on PayPal who has the relationship with the purchaser to tell me when they have received funds and it is safe for me to send out the item they purchased on eBay. I happened to have sold a 1-year subscription to XXXX XXXX that was paid for through PayPal. PayPal/eBay sent me the notification that I was okay to provide the buyer with what they had purchased. It happened to be an electronic key that I provided to the buyer through Ebays messaging service. PayPal came back to me saying they payment was returned by the purchasers bank and that it is not covered by their Payment Protection. So ultimately PayPal received payment, told me it was safe to deliver the product, payment was returned by the bank, and I am liable for the full amount. So I am out the {$57.00} that I should have earned by selling the product as well as fees I had to pay to eBay which is roughly 10 % of the purchase price. The customer used the product, and I paid for it. It was likely a fraudlant transaction from the beginning but Ebay and PayPal allowed it to happen.
Made a purchase on the Synchrony Bank with a merchant for some auto parts, after the merchant failed to deliver the parts as promised, I cancelled the order and notified Synchrony Bank to which they placed the item in dispute.

The merchant then sent parts, the wrong parts of course and stated he sent them, told the merchant the order had been cancelled, they were the wrong parts and I purchased the parts directly from the dealer.

Synchrony bank returned the money to the merchant despite the merchant admitting he got the parts back and said he would refund the money that day and he did not and clearly never intended to do so.

Synchrony Bank incorrectly refunded the money to the merchant and is penalizing the me the customer despite the facts that the merchant sent the wrong parts AFTER they were cancelled and got the parts back.
Lifted my credit freeze XX/XX/XXXX to apply for a credit card. Am trying to freeze my account again 5 days after lifting. I'm told my address is not valid which hasn't changed since 1996 and is on file. Now am told to send all information that is exactly the same as it was 5 days ago. and after sending it and 3 days more to review it will freeze my account. 
When I removed the freeze all three credit agencies did same on line in 5 minutes.

Why do I have to individually ( each agency ) and by mail reapply the freeze, after only 5 days. 
Nothing has changed on my part. 
The experian website only provided info for membership at a charge of $ XXXX/mo. 
When I phoned -- - I was just rerouted around and around never getting to the actual freeze -- -- just sent me back to the original options. 
I want to freeze my account today. If something happens it's on Experian.
XX/XX/XXXX - I sent notification of dispute by mail to collection agency - Concentric Receivables regarding the debt being reported on my credit. I never received a response. ( I will include a copy of the signed receipt of the certified letter. ) XX/XX/XXXX - I sent a second dispute letter by mail and again, received no response. 
XX/XX/XXXX - The item remains on my credit report and to date, I have never received any response to either of my disputes.
XXXX SUCH AND XXXX sought judgement and sale of my home when they have NO RIGHT TO DO SO. I have been fighting this for over XXXX yrs. I was working on a loan modification with XXXX who was the servicer meanwhile JP Morgan Chase who was no longer the servicer continued with the foreclosure with this firm I contacted this firm on numerous occasions stating that Chase had no right to proceed with the foreclosure they then claimed they were working for XXXX then they claimed they were working for Fannie Mae. Meanwhile I have letters from Chase and XXXX stating they were not proceeding with foreclosure since they had no standing with the loan. I sent copies to this law firm they didnt care stated they had judgement and were proceeding with the sale even though THEY HAVE NO RIGHT NO INTEREST IN THE PROPERTY HOW CAN THEY DO THIS
upon checking my credit report i noticed 3 chase cards on my credit, i requested proof of verification as well as validation including but not limited to a signed contract with my signature. the company has not responded and has not deleted it off my file
I recently reviewed my credit report and noticed several accounts that I do not recall that belong to me. On XX/XX/2018 I sent out a certified debt validation letter to verify the accuracy on the alleged debt. I requested the following under Fair Debt Collections Act : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : and I received a 1st response with nothing more than the account was reviewed and verified and was being reported accurately with nothing as the requested above. I then proceeded with a 2nd validation letter which I will attach and the 2nd response I received.
I requested information on my loans. I noticed my loans went up from XXXX  to XXXX. I took a voluntary forbearance they call it from XX/XX/18-XX/XX/18. I took this because of financial hardship. They wrote back telling me increase from XXXX-XXXX was interest charged. So during my forbearance time they added XXXX in interest to my principal. I already can't pay what I owed with interest and they add on almost 4K!!! This is absolutely wrong. How will I ever pay these back with constant increase? Even before it jumped up, my loans were not going down and I pay every month.
On XXXX XXXX, 2016 my car got repoed by lobel financial. When they came and got the car the repo man had no paperwork in hand. We had money in hand to pay for anything we owed. I was at work at the time but my husband told him he had money to pay and the repo man told my husband im sorry I have no paperwork and no information on how much you owe. So of course off went the car. I called lobel the next morning to resolve this and that was the WORST experience in my life. They are rude, inconsiderate human beings. I explained to them very nicely that it was mix up and on my bank account. I told them I apologize. I told them I called right when it happened and at that time that person was very understanding and I told them I would pay it on the first. He said no problem I will mark your account. Will ... ... .guess what???? Nope! They would not listen, told me in order for me to get my car back I would have to pay my loan in full. I asked to talk to management no! I called the corporate number they sent me back to the other number. I asked to talk to management they put me on hold for XXXX minutes then call got dropped. I called to talk to the lebal department got put on hold again for a very long time then of course call got dropped again. They will not let you talk to management. Yes! I understand this is a new loan, but I explained to them the situation I went through and they did n't even care. I explained all of this would of been avoided if they would of sent the repoe company some kind of information on how much I owec cuz I would of paid the man.i even offered to pay what was owed in the rear and the very rude lady refused it stating in order to get the car back I have to pay it in full. I asked to talk to the manager that made that decision and she told me no. I asked to be transfered to corporate and with a XXXX voice and XXXX this is corporate. They will not let you talk to anyone. I feel I have been mistreated and unfairly by them and the car .ot. ( which I am opening a case with the lemon law against lobel and the car lot. ) When I got the loan the car lot and lobel REFUSED to add my husband 's income or my SSA income because oh its government money. I even tried to let lobel know when all this happened and they told me I have to pay my loan in full to get my car back because I am a risk I told them again I have more income to report. Once again they did n't want to hear it. What? Are they prejudice against people on government money? Or they just dont want to do extra paperwork. I have financed a car through them in the past.i did n't have no problems with them and paid my loan off. Which they told me thanks for coming back to lobel, we r here to help you. WHICH IS A STRAIGHT UP, IE LIE LIE. 
XXXX XXXX
I have a cost for " court '' costs of {$950.00} with no explanation I think because I filed a complaint against them. This cost is unfair!
Wells Fargo said they would not put any negative info on my credit report when I was trying to get a modification from them. They put it on there anyway. I later sold the house and became positive with them
ON  XXXX / XXXX / XXXX   XXXX  Bank reported me to Chexsystems for suspected fraud activity and closed my bank account. About 8 months later due to moving, I had another bank account at another commercial bank that I decided to move to another bank so I closed the account and went to the new bank tried to open a checking account and Due to the ChexSystems report from  XXXX  Bank, I was unable to open a new checking account When I found out that  XXXX  placed me in the Chexsystems I contacted them via phone and paid them {$690.00} on  XXXX / XXXX / XXXX  that I did not know that I owed them and requested relief from the Chexsystems report. That  XXXX  never came.     on  XXXX / XXXX / XXXX  I wrote them asking for the report to be deleted because  XXXX  Bank  XXXX   XXXX  to Chexsystems the suspected Fraud was accurate and Verified it as accurate to my dispute with ChexSystems. on  XXXX / XXXX / XXXX  I have requested specific documentation of the alleged fraud how such fraud was committed, Documentation and proof of me doing suspected  XXXX . Documentation of how such said suspected fraud was committed. I have also asked for  XXXX  Bank to give me  XXXX  Banks Chexsystems Reporting policies of how they report customers to Chexsystems and the procedures they must follow. To Date, I have gotten Nothing From  XXXX  Bank.     It 's now  XXXX / XXXX / XXXX  and demand relief from  XXXX  Banks Report of me in Chexsystems.
I am XXXX years old. I was conned into transferring money via Western Union to an individual in XXXX. The amount was {$450.00}. Below is a copy of the letter I wrote to the US Attorney General on the matter. I hope you will be able to help me get back my money and also put an end to the harassment that includes : freezing my computer, freezing my XXXX mail account, freezing my Internet while I am on it. The scam artists profess to be " certified engineers '' working for " XXXX 's XXXX XXXX XXXX. They are very clever in the proofs they offer to help individuals like me who encountered problems while using my computer. Please review the details of the letter I am attaching. The money transfer occurred on XXXX XXXX, 2015 at XXXX. from XXXX # XXXX in XXXX XXXX, XXXX, XXXX. The money was wired to XXXX XXXX in XXXX. Converstion password was " XXXX. '' Telephone contact for service was XXXX. The man you perpetrated the fraud was from " XXXX XXXX. '' Their representatives worked with me from telephone contact numbers such as : XXXX, XXXX, XXXX, and XXXX. They promised computer technical support they never provided. Instead, they took control over my computer and my programs in it. Please HELP!
Hello, So last year I went to go get a car and was told and signed for a credit check and for the dealership to only run it once but now I have around 10 companies who have ran my credit who I haven't given permission to. 

-XXXX XXXXXXXX
We continue getting calls from a XXXX # varies from day to day but its the same company National Credit Adjusters. # XXXX ; XXXX, the last phone call was from # XXXX. 
This morning they called 4 times iin a row. At XXXX, I answer, there is no response but I stated in the phone to remove our number from the call list. I hung up, the company called back 3 times ( XX/XX/2017 ) at XXXX. I answered and asked to be removed from their call list, the Rep stated they dont have a call list he was looking for a XXXX Again, I requested as I did the previous call ( XXXX ) that our number be removed from the call list, he repeated he was looking for someone, I told him I didnt know them and he continued to question me. This is ridiculous. Someone calling my home, harassing us. My elderly mother resides with us and she has XXXX. Every time the phone rings its bothersome to her.XXXX
I was promised a credit for the XX/XX/2018 interest by multiple Walmart/XXXX XXXX reps over the last 3-4 weeks. Then when I check the site, nothing happens. I contact Synchrony and they give me a form letter and explain fees to me. I understand the fee process and I don't need the form letter. I was promised the credit for the XX/XX/2018 interest in the amount of {$100.00} and they refuse to live up to this promise! In addition, the response I was given by a XXXX XXXX XXXX, stated and I quote " We attempted to contact XXXX XXXX but were unsuccessful ''. Well, I have ZERO record of a phone message from this person and only got an automated response from her in an email saying she was looking into this. I was never contacted after that and that statement is misleading and false.