WillisBack/dataset-financial-user-claim huggingface dataset:
LOAN WAS TAKEN OUT XX/XX/15 I BELIEVE FOR {$500.00}. I DO N'T REMEMBER. THEY TOOK OUT TOTAL AMOUNT DUE WITH INTEREST ON FIRST PAYMENT DATE 10 TO 14 DAYS LATER ON MY PAY DAY. I RECEIVED EMAIL STATING LOAN WAS PAID IN FULL. THEN I STARTED RECEIVING PHONE CALLS AND EMAILS WEEKS LATER HARASSING ME STATING I DID NOT PAY. AND THEY WERE GOING TO COME AFTER ME. I PLACED MULTIPLE THREE WAY CALLS WITH XXXX XXXX XXXX AND MY BANK PROVING PAYMENT WAS DRAFTED, COMPLETED, CLEARED AND ALL WAS GOOD. A FEW WEEKS LATER XXXX XXXX XXXX TRIED TO DRAFT DOUBLE WHAT WAS OWED AGAIN AND MY BANK FLAGGED IT. I HAD MORE MULTIPLE PHONE CALLS WITH XXXX XXXX XXXX AND THE BANK. XXXX XXXX XXXX ASKED ME TO SEND BANK STATEMENT SHOWING WHERE THEY DRAFTED THE MONEY. I DID. I WAS TOLD IT WAS THEIR MISTAKE AND LOAN WAS PAID IN FULL. 2 MONTHS LATER AND AFTER SEVERAL DAYS OF ARGUING FIGHTING AND PROVING TO XXXX XXXX XXXX THEY WERE IN THE WRONG I WAS TOLD EVERYTHING WAS CLEARED. I CLOSED MY BANK ACCOUNT BECAUSE OF SUSPICIOUS ACTIVITY WITH XXXX XXXX XXXX AFTERWARDS. AND THE PHONE CALLS AND EMAILS STOPPED. NOW HERE WE ARE 21 MONTHS LATER AND TODAY I 'M RECEIVING PHONE CALLS AND LETTERS FROM A LEGAL TEAM ( XXXX XXXX WITH XXXX XXXX XXXX ) THAT THERE HAS BEEN ACTION STARTED AGAINST ME AND XXXX XXXX XXXX IS SUING. AND ALSO FROM A XXXXXXX PROCESS SERVER FOR XXXX XXXX XXXX THAT SHE IS ON THE WAY TO MY HOUSE AND JOB TO SERVE ME AND IF I DO N'T SIGN PAPERS THERE WILL BE MORE LEGAL ACTION AND PROBLEMS TO COME FROM THIS. I CALLED XXXX XXXX SPOKE WITH HIM ABOUT THE SITUATION AND HE ADVISED WOULD GET AHOLD OF THE LENDER AND LET ME KNOW IF HE NEEDED ANYTHING ELSE. THIS IS FRAUDULENT. THIS IS CRAZY. AND THIS IS HARASSMENT.
Closed my Wells Fargo Credit card in XXXX they still ran a credit history which gave a hard hit on my credit score. I was issued a new credit card based on this hit in end of XXXX without my concern and knowledge. When I tried to call them and ask why am I receiving this card now since I canceled my Credit card in XXXX they just replied me that we will cancel it and do n't worry about the card just throw it away. Before I ask any other further question about my credit score the customer service agent just dropped the call. Please help me close the account and dispute the hard hit on my account.
On XX/XX/XXXX I received a letter from I C System debt collection agency dated XX/XX/XXXX stating that their office is increasing the balance owed on a delinquent account due to additional charges being incurred. The original balance was {$66.00} and I C System added {$520.00}. I C System is now trying to collect over 8 times the original amount of the debt from me. On XX/XX/XXXX, I sent a postal money order ( serial number ) XXXX for {$66.00} to pay my co-pay to the original creditor. My job insurance paid the rest of the entire bill already. I don't owe any more money. This company is falsely stating and misrepresenting the amount that I paid. They sent me another bill for {$66.00} and added another bill for {$520.00}. They are trying to collect twice. This bill was already paid. Please help, this is unfair business practices. Any assistance will be greatly appreciated. Thank you.
This debt was for my son who went to the emergency room for an issue he was XXXX yrs old. They billed me for his account when he was legal age and on his own. I was not even there when he was treated. How am I responsible.
To whom it may concern ; On XXXX XXXX, 2016 I applied online for a Citigold Checking Account with a promotional code that offered a promotion of XXXX bonus XXXX miles after setting up a bill payment for at least 2 consecutive months and after making at least {$1000.00} in debit card purchases. To ensure that the promotion was applied to my application I called on XXXX XXXX, 2016 and received verbal confirmation from a Citi representative that the promotion was in fact applied to my application. After fulfilling all of the required criteria to receive the bonus I waited a few months for the bonus to be applied to my account, it was never applied. I called Citi the end of XXXX and a representative told me I had fulfilled my end of the contract and that if I had not received the promotional airmiles by the end of XXXX to please call back and it would be taken care of. When I called back they said I had to open an investigation and claim ( not specific ) and they would be in touch with me in 72 hrs. So I subsequently opened a claim regarding the issue. 
I did n't hear back and called XXXX. Their response was that I was not targeted. However, I argue that they accepted and approved my application with the proper promotional code and I opened a Citigold account under the assurance that the promotion and bonus would be applied. They continued to do business with me until I called and asked about the bonus and at that time they told me it would not be issued. This is bad business practice and is unacceptable. I was never told about the " targeted '' restriction and they accepted the application under the promotion. 
I am not sure why this is happening but it is definitely not building good customer care. Since then my coorespondance has been anything but positive.. they keep reminding me that I was not " targeted '' when others that I have talked to were not targeted either and they received the promotion but not until confronting them several times. I had high hopes to have them manage our inheritance but I wanted to see how they did by living up to their commitment with this promotion. Can you please help me rectify this misrepresentation? If you need any other information, please let me know. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
During the closing process of home loan our lender was late on closing and told us he would pay for the late fees ( per diem charges ) After closing of escrow we did not receive reimbursement for those fees. We submitted a complaint and the lender responded stating those fees were reimbursed to us through our realtor which is just not true. This is an attempt to recover fees XXXX XXXX from XXXX XXXX said he would pay for.
My complaint stems from concerns that I have after reading about the recent settlement between CFPB and Discover. While enrolled in my last semester at XXXX XXXX XXXX XXXX School, I took out a XXXX Loan from Discover Student Loans to cover the costs of studying for the XXXX exam. I have received, online, the interest paid amount for tax purposes for the years of XXXX, XXXX and XXXX. Each tax year listed that my amount of interest paid was {$0.00} ; I did not claim any amount of interest to Discover on my taxes during these years ; to be honest, I believed that the amount were probably correct and that somehow, perhaps a XXXX Loan was n't a student loan. However, I have since learned that is untrue. As you know, the recent settlement includes Discover 's failure to properly report the amount of interest paid on their loans for tax years. Unfortunately for consumers like myself, the settlement only covers up to year XXXX. In XXXX, my amount of {$0.00} was correct, but the company informed me today that the interest paid the other years XXXX XXXX & XXXX ) was incorrectly listed at {$0.00} on my Tax Information Page. My complaint is that I was given false tax information that cause me to be unable to accurately claim interest payments made on my taxes for tax years XXXX and XXXX. Unfortunately for consumer 's such as myself, Discover 's issue with tax information extended beyond the years addressed in the recent settlement agreement XXXX XXXX ) and there is no resolution for consumers affected in XXXX and XXXX, such as myself. I would appreciate your help in guiding me through my concerns and seeking a resolution. 

Thank you for your time and attention.
XX/XX/XXXX - accepted a credit card balance transfer offer from Bank of America ( BOFA ) for {$14000.00} to pay a CC with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

TO DATE : XXXX has not received the funds ; BOFA has charged our account {$14000.00} plus {$590.00} for a transfer fee. I have spent over 1 hour on each of the following calls to BOFA : XX/XX/XXXX - called BOFA to check on balance transfer transaction was instructed " to wait a few days '' and call back, if needed. 

XX/XX/XXXX - I visited XXXX and confirmed they did not receive balance transfer from BOFA. 

XX/XX/XXXX - called BOFAXXXX to inform XXXX did not receive funds ; Provided XXXX acct info, address and phone number ; I was instructed to " wait a couple days and call back '', " we'll take care of it ''. 

XX/XX/XXXX - called BOFAXXXX, explained same situation ; provided XXXX acct info, address and phone number ; XXXX wrote up a report, confirmation XXXX. XXXX took my personal contact info and said someone was going to return my call. Did not receive a call back. 

XX/XX/XXXX - called BOFAXXXX, explained same situation ; provided XXXX acct info, address, phone number. After nearly an hour on the phone, I requested to speak to a manager ; I was not connected to a manager, but was told by XXXX that " it will take 30 days to release the funds ... call back on XX/XX/XXXX ''. 

XX/XX/XXXX - called BOFA, immediately asked to speak to a manager and was connected to XXXX from Georgia who took my contact info and was going to call me back at XXXX am Hawaii time to conduct a 3-way call with XXXX to confirm that XXXX did not receive the funds. I never received a call back. 

XX/XX/XXXX- called BOFAXXXX from XXXX who " assured '' us that he is in contact with a special team to " escalate the case ''. I requested to speak with a manager and after a long hold, no manager came to the call. XXXX assured me that I would receive a call from the team no later than 5 business days. I provided my personal contact info, but did not receive any call back. 

XX/XX/XXXX- called BOFA. On a 2 hour call, I spoke with XXXX from Calif ; XXXX and XXXX from the fraud dept. During this call, we conducted a 3-way call with XXXX who confirmed they did not receive the funds, acct numbers, addresses and phone numbers were confirmed. It was identified by XXXXBOFA that the transfer was paid to XXXX XXXX, but she transferred us to the fraud dept. Spent majority of the call explaining the situation again, providing acct numbers, addresses, phone numbers. XXXX said the only thing she can do is write up a report. I requested to cancel the entire balance transfer transaction, but she said she could not so that. BOFA manager XXXX XXXX said she would call with resolve by end of day. Did not receive call back.
Ive been tryna to explain to the people that I have not been to college online nor on campus .I dont have a high school diploma, in my identity was stolen .They garnished my work check before in I tried stopping that but they wouldnt stop.Now they are saying I owe them {$1000.00} dollars.Ive never seen a check or anything .The address that was used for the loan Ive never lived at or heard of, I just dont know what else to do
I applied for a XXXX XXXX Platinum secured credit card issued by Synovus Bank and, upon approval, transferred {$1000.00} from my checking account. The credit card account was opened on XX/XX/XXXX but I did not receive my card until XX/XX/XXXX. During that period I called the card issuer 's customer service upwards of 20 times only to be told over and over that the card is in the mail. Once the card arrived and my first purchase attempt was declined, I contacted the issuer and was told by three different customer service representatives that I had to pay the {$49.00} annual fee before being able to use the card. Despite the fact that the issuer has been in possession of my money, interest free, for over two months and that, by their own admission, I had no possession of and therefore no ability to use the card during this period, my account was blocked citing past due payment. The manager whom I spoke to, XXXX XXXX XXXX, refused to give me any options other than closing my account and receiving a refund within 10 weeks (! ), and shortly thereafter hung up the phone. I find this to be a gross violation of good faith and fair dealing standards at best, and fraud and extortion at worst. I am turning to CFPB for protection of my rights as well as those of other consumers who fall prey to these deceptive practices.
I returned a message call from a man named XXXX who said he was from the fraud department of Bank of America, on XX/XX/2018. XXXX was not available to speak to me so I talked to a man named XXXX. I didn`t have a clue what this was all about. As soon as XXXX found out who I was, he started yelling at me that I was trying to steal money from the bank. He said that a check for {$9700.00} that had been deposited into my checking account was no good and all my accounts were going to be restricted and probably closed.Bill also said I had been used as a " MULE, '' by these people that had connections to XXXX XXXX. He gave me a reference number # XXXX. I was overwhelmed and shocked that this man was yelling at me and acting like I was a criminal! The bank closed my checking and savings account. They also closed my husband`s checking and savings accounts also. All of them were joint accounts, but the {$9700.00} check had been deposited into my checking account. I had several companies automatically withdrawing amounts for my insurance premiums, utilities, car payment, and other bills. Bank of America canceled all my automatic pays and returned all the requests for payment back marked " insufficient funds! '' I was so stressed, I didn`t know what I was supposed to do! All of the money we had was in our frozen accounts! The bank first told me my account was overdrawn {$880000.00}! Then the accounts were closed. I found out that the check that had been deposited into my checking account was drawn on XXXX XXXX XXXX, in XXXX, California, by XXXX XXXX. This man`s account had been closed and there were no funds to cover the {$9700.00} check. Now having banked with Bank of America for several years, I know that the bank policy is to hold any check that is deposited for 3-5 days, for the check to be cleared by the bank, before any of those funds can be withdrawn. In this case, the check was deposited on XX/XX/2018. I was advised of XXXX deposits on that day. This check, and a cash deposit that I had made at the bank for {$1900.00}. According to the bank, my checking account balance was, {$13000.00} on that day. The next morning, I wire transferred out, {$11000.00}, from my checking account. The bank allowed the transfer to go through and charged me {$30.00} for the transaction. Sometime after that, on XX/XX/2018, the bank must have found out that the check was not good and that`s when I got the call from the fraud department and my accounts were closed, or frozen. The bank took the money I had in my savings and put it in checking, trying to cover what they say I am overdrawn. I did have overdraft protection that gave the bank authority to cover an overdraft from my savings. I am upset that the bank took my automatic social security deposit for the month and XXXX of my XXXX deposits. I was part of a huge scam, and this was the final financial blow.
Closing was set for XXXX/XXXX/2015. On XXXX/XXXX/2015, BOA 's home loan fulfillment rep unprofessionally and demandingly requested an additional, lengthy and extensive HOA report from the property mgmt co which we, the buyer, unknowingly had to pay {$280.00} for-after the initial HOA deadline had passed and all Colorado required HOA info was already turned in for closing. BOA employee was the one who forgot to request it so it was suddenly an emergency on the property mgmt 's part. On XXXX, BOA asked for more info from the HOA, which was provided. On XX/XX/XXXX, they asked for more info from the HOA, which was provided. On XX/XX/XXXX, they again asked for MORE info, which was provided on XX/XX/XXXX. ( I was told by the VP of the dept that handles HOA condo/co-op docs that they ca n't just review them on the drop of a dime when they are the same ones that requested them the same week of closing. ) Closing date came and went with NO ATTEMPT FROM BOA TO CONTACT THE SELLER TO TELL HIM HE COULD NOT CLOSE BECAUSE BOA DID N'T REQUEST THEIR OWN INFO ON TIME. I am now outside of the Amend to Extend deadline bc the BOA employees who request this info do n't look at it, return calls, etc. I am at risk of losing this deal BOA did n't DO THEIR JOBS. In fact, just today, I was asked for a HVAC repair receipt when that was completed and documented weeks ago. ( Why am I being asked for repair bills anyway when inspections are voluntary? And why am I being asked AFTER I should be closed??? ) EVERYTHING has been done from the HOA, buyer and seller 's perspectives to meet deadline, including the closing dates, and no one at BOA is doing their part. NO ONE returns calls, NO ONE tells us the status, we ca n't even sign an Amend to Extend because we do n't even have a date to offer bc no one seems to care if/when we get final settlement # s ... including up to and past the day of closing.
My husband and I have a joint VA guaranteed mortgage that is currently being serviced by Loan Depot. My husband and I received a notice from Loan Depot dated XXXX/XXXX/XXXX, that our escrow account had a shortage of {$570.00}. On the notice it clearly says that if we pay the extra escrow amount required, our monthly payment will increase from {$2400.00} to {$2400.00} ( due to expected increase in property taxes and homeowners insurance ). However if we did n't pay the extra escrow, the notice clearly stated that our monthly mortgage payment would increase to {$2500.00}. 

On XXXX/XXXX/XXXX, I paid the escrow shortage through Loan Depot 's pay-by-phone system. My intent in using the pay-by-phone system was so that the escrow payment would be credited to our account before the next regular mortgage payment date of XXXX/XXXX/XXXX which would ideally allow us to avoid our monthly payment increasing to {$2500.00} Unfortunately, my husband and I were direct debited on XXXX/XXXX/XXXX for {$2500.00} instead of the correct amount of {$2400.00}. When I looked at our mortgage account online, I discovered that on XXXX/XXXX/XXXX, Loan Depot 's pay-by-phone system had applied what should have been our escrow payment to the principal of our loan instead, which made it appear that we had not paid the escrow shortage when we actually had. On XXXX/XXXX/XXXX, I called Loan Depot 's customer service center to clear up the issue. The representative assured me that they would move my payment from the principal part of our loan and apply it to the escrow portion of our loan account. He also told me that this would clear up the issue so that we would indeed be debited {$2400.00} for our XXXX XXXX loan payment instead of {$2500.00}. However on XXXX/XXXX/XXXX, my husband 's and by bank account was again debited for {$2500.00}. I called Loan Depot 's customer service center again today, XXXX/XXXX/XXXX and when I described the problem to the employee, her first response was " well do you know you have a escrow shortage? ". I informed her that the escrow shortage had been paid on XXXX/XXXX/XXXX. She checked her records, and then put me on hold. She came back and told me that " the reason my monthly payment was increased by {$5.00} was for increased property taxes and homeowners insurance. ". I could n't believe it! It was like she had never heard me describing the problem in the first place. The employee seemed so confused that I asked to speak with a supervisor, She then put me back on hold which lasted 15 minutes before I gave up and hung up. 

My husband and I are fine with paying an increase of {$5.00} in our monthly mortgage loan payment but as of right now Loan Depot is charging us {$47.00} more in our monthly payment ( the difference between {$2500.00} and {$2400.00} ). Basically, Loan Depot is treating our account as if if we never paid the escrow amount they asked us for. Further they are not timely in rectifying the issue for my husband and I.
On XX/XX/XXXX I entered into an agreement with The XXXX XXXX XXXX XXXX XXXX for a Home Equity Loan in the amount of {$53000.00}. The terms set forth as shown on attached document required me to pay {$610.00} each month starting on XX/XX/XXXX and ending on XX/XX/XXXX. Per the aforementioned terms I made ALL payments. As can be seen from the attached document, payment was made for each month and the last bill due in XX/XX/XXXX was sent and paid as agreed. Ocwen has either been servicing the loan or may have also purchased the loan but they are now telling me that I owe {$4300.00} - an amount that they have not qualified. If I have made all my payments as agreed and comply with all bills/statements sent by them, why would I have this amount owing? Please help me as I need the title for my property. I have sent them several letter and they have not responded, I also called several times but get a different answer as to the reason for the balance. Please help.
Upon monitoring my credit reports using CreditKarma.com. I noticed that Security Credit Services had placed a negative listing on my credit reports. I immediately sent them correspondence requesting proof of debt under the FDCPA ( Fair Debt Collection Practices Act ) Section 809 ( b ) Validating debts. I advised that this was the XXXX I have ever heard of this debt. On XX/XX/XXXX I requested full debt validation and demanded the removal of negative reporting from all the credit bureaus. They have replied back on XX/XX/XXXX that they will cease all collection efforts and investigate this matter. However they continue to report inaccurate information on my credit reports. I am demanding they comply with FDCPA and remove this from credit reports until they can provide proof of debt and provide me 30 days to dispute. I never received any correspondence fromt this company before they negatively reported to the credit bureaus.In addition, the negative reporting they have done is very vague and deceiving to determine anything about the alleged debt. Also, I was contacted in XX/XX/XXXX by another debt collector that was unable to comply with FDCPA and apparently " sold '' it to this agency.
Experian sent a letter stating someone had tried to change my name, ss#, or address.  Because I had a security freeze on my credit they were required to inform me in writing within 30 days.  Then referred me to their website to view my credit report for a $XXXX charge.  I did receive the report with no changes made and now they are charging me an additional $XXXX  This is very deceiving in what they try to sell on their website through a scare tactic of someone trying to break the security freeze.  They will not tell you who or which creditor has tried to make a change so they are just ripping everyone off by using this scare tactic and charging the $XXXX every time they send one of these letters out.