WillisBack/dataset-financial-user-claim huggingface dataset:
It all started on XX/XX/XXXX ; when My house caught fire and burned, It was a total lost and all we had was a force place policy insurance that covered the loan not the value of the home we had been staying in the house for 11years at that time we saved up enough money to had on the house because we could get a loan. we started out with about XXXX feet of space in the home. and we saved up enough money to enlarged so we added on about XXXX sq. feet which increased the value of our home we had the XXXX sq. feet insurance but not the other so the bank had a forced place policy on the part they had so when we enlarged we took out a loan on the house so unfortunately as I already stated we got burned out with a force place policy in force which was about XXXX dollars now everything we owned was in that house that got burned up also everything we own was in that fire. gone up in smoke so we contacted the bank about the policy and they approve a contractor that only had painting experience they finally had to go to court with the contractor they had and stayed in court for one year and a half before they release anymore funds. on XX/XX/XXXX. they send check for XXXX the contractor said that would n't even buy the gas that took him to com back and forth it was a night mare for me and my family the contractor required Bi-weekly payment a bank should known what Bi-weekly means I wrote the bank a hardship affidavits they padded it no attention at all regardless of what they had invested in the property themselves XXXX by the time they got through with me I owed them XXXX dollars in taxes and fees it get worst than that they had third party venders to jack up the price every month I had to go to Environmental Court about how nasty that property was I got all the proof in the city where I live the actual cash value payment was XXXX, the insurance the replacement cost was XXXX, Less contractor profit and overhead, we choose a contractor that build the house back for that the money that was the actual cash value payment which was XXXX but the bank charged me XXXX of they way of taxes and fees that took them 3.5 years to build because of court and just slow fullness with third part venders that were supposed to be cleaning up they argument in court was they did n't sign anything with the contractors I have proof that hey at least approve them to do the job. by sending them a check and stopping payment on the check because they did n't know what they where doing.
Under the FDCPA, you have the right to debt validation. This means a consumer can demand that a creditor reporting information to the credit bureaus prove the account is really your responsibility and that the balances are accurate. I have tried several times contacting the collection agency showing on my credit report " Pro Collect & XXXX XXXX XXXX '' for debt validation. I have also contacting the credit bureaus several times for debt validation. Neither has shown proof of debt validation. 

According to FDCPA the law states : " If the collection agency failed to validate the debt and has sent a notice of the debt to a consumer reporting agency, the notice of the debt must be removed. If not, send a notice of the failure of the validation to each consumer reporting agency that lists the debt. Unless the credit reporting agency can validate the debt, it should be removed from your credit report. If the collection agency sends you proof they have the right to collect the debt, the debt is yours, and the amount is accurate, then the debt is validated. '' It has been well over 30 days for the collection agencies and the credit bureaus for showing proof of debt validation. Therefore I am asking that Pro Collect Inc & XXXX XXXX XXXX to be removed from my credit report immediately.
On XX/XX/XXXX I spoke with the sales manager to get prequalified with XXXX XXXX XXXX XXXX. I am completely aware that during the financing process they submit multiple credit applications. With this fact in mind, I specifically instructed the sales manager that I ONLY WANTED TO ACQUIRE FINANCING WITH XXXX. I specifically instructed the sales manager to avoid shopping my credit around because I did not want numerous inquiries on my credit report. I am in the process of acquiring a business loan and was told to avoid that sort of activity. The sales manager did not properly communicate my authorization to only submit 1 credit application to the finance manager, which resulted in the UNAUTHORIZED SUBMISSION to several lenders. The General Manager of the dealership has admitted fault and apologized for the unauthorized submissions. While it does bring me solace to know their actions were not malicious, the accidental submissions has hurt my credit report and ability to acquire a business loan. I have challenged the inquiries with the credit bureaus and have been referred to challenge these directly with the lenders.
I want to bring your awareness to an issue I encountered on the morning of Saturday XX/XX/XXXX. I have a new Nordstrom credit card account, the first bill for which was due on or before XX/XX/XXXX. I logged into my account to pay my bill in full and the amount due was more than expected. However, there were no fees or interest charges noted ( nor applicable as it was first month 's bill and not late ). After speaking with customer service rep, she told me that my payment due ***was*** actually less than noted. After some prodding she told me that Nordstrom adds a {$25.00} late fee to all online accounts when the payment is due on a weekend, in anticipation of the bill not being paid on time. Yet there was not a single notation of a late charge, fees, interest, etc. on my online account - it just shows payment due, with the secret late fee incorporated into the amount due, and the due date. I would never have known this if I had not called customer service. I assure you, she did not waive a late fee. Yet, had I paid online, I would have had no choice to pay a late fee that wasn't even disclosed. I have to assume Nordstrom is making bank off customers just assuming that they are paying their amount due on time when actually they are paying their amount due + an undisclosed and irrelevant late fee of {$25.00}. I believe this is fraud.
My wife and I used a company called XXXX XXXX  to rebuild an engine on our vehicle. Because the amount was more then we could afford to pay up front, XXXX XXXX  suggested we use their finance company called XXXX XXXX XXXX. I applied for the credit on XX/XX/2018 and was approved for the 90 day same as cash. Yesterday ( XX/XX/2018 ) my first payment came due for XXXX XXXX to withdraw the agreed amount from my bank account. At XXXX I received a text stating they need my help regarding a returned payment. I called them back and they said because I gave them the wrong debit card number I no longer qualify for the 90 same as cash. The card number was correct except the very last number instead of a XXXX it should have been a XXXX. I did not fill out the information on the application it was done over the phone with the guy from XXXX XXXX. He told me he already had my correct debit card number because I gave it to him to pay for the application fee. I also have two receipts showing that he had the correct debit card number because he used it to charge a {$500.00} deposit and to run the {$90.00} application fee. He then emailed the contract for me to review and digitally sign, which I did. However I did not see the mistake when I reviewed it. I knew nothing about the input error and have tried to correct it. I have talked to three different people people at XXXX XXXX XXXX and they refuse to honor the 90 same as cash.
On XX/XX/2016, this debt for {$1600.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
I have attempted to to file a dispute online every time a upload a file is States that the website is frozen what is not responding.I 've tried contacting them with no response. I have been disputing XXXX XXXX for almost a month now they are past their time frame to collect. the information is incorrect and they refused to collect on this account. I am requesting that XXXX XXXX be removed along with inquiries that include XXXX and XXXX XXXX  twice. I can not seem to get through. I also sent a letter to XXXX XXXX with no response. I want by XXXX XXXX   removed. they have violated the FDCPA Laws and the Fair Credit Debt Collection Acts. Federal laws have been violated. XXXX cancelled the acct they broke contract NOT ME. They are not supposed to be attempting to collect! when I try resolving this account XXXX XXXX hung up on me more than 6 times so I want XXXX XXXX  remove immediately. acct balance is incorrect and XXXX XXXX  allegedly had this acct since XX/XX/18 and have not attempted to collect or when I called them hung up on me. and did NOT validate balance or accuracy and disconnected every call when I reached out to them. they null and voided their rights to collect due to XXXX writing off and receiving credit for written off balances. Amounts were ALLEGEDLY owed to XXXX NOT XXXX XXXX. I wrote a letter I want it removed. I have 18 acts in great standing I think I would have resolved this one. I will file suit of XXXX in Colorado and file complaint with FDCPA with minimum fines starting at {$10000.00} per violation for damage to my credit. I have filed a complaint with XXXX and has not responded. XXXX has removed this acct but not Experian or transunion
XXXX  applied an impound account to our mortgage due to unpaid property taxes (  XXXX  ). These taxes were included in our bankruptcy and should not have been paid to  XXXX . Our attorney opened a motion with the courts and  XXXX  then removed the impound account. Looking back at our monthly payments with   XXXX   during the time they applied the impound account it looks as if they miss applied the funds making it look as if we were a month behind. Moving forward  XXXX   sold to Green Tree and then to Ditech. O ur final payment to  XXXX  was on  XXXX / XXXX /  XXXX   but was applied to  XXXX  instead of  XXXX . We were still in bankruptcy so we were unaware of this, as this is not noted on any of our statements. At the end of our bankruptcy in  XXXX  we were contacted b y Ditech sayi ng we were 30 days late on our payment. We have disputed this with  XXXX ,  Green Tree and Ditech. Nobody from any of these companies have given us a date as to when a   payment was missed. It all started during the escrow impound account that   XXXX    imposed on our account. We have bank statements showing all payments were made. There should be no late payments reporting in   XXXX  . Please review proof of payment history and Bankruptcy documents.
I Have 2 balance transfer 's at 0 %. 
The first expires on XXXX and the second expires on XXXX I have a purchase, that I am paying {$1.00} interest on which I WAS uunaware of. 
WHY? 
BECAUSE : When I looked at my statement from Bank of America, under " Interest Charge Calculation '' it states as follows. 

Purchases : APR = 8.90 % Balance subject to interest rate : XXXX. Interest charged by transaction type. {$0.00} Direct Deposit Advances : APR = 0 % Balance subject to interest rate : XXXX. Interest charged by transaction type. XXXX I only see a charge of {$1.00} under transactions, with absolutely NO information on why I am being charged {$1.00}. It certainty not under the " interest charge section " as I listed above. NO WHERE is it explained on why Bank of America is charging me {$1.00} I called on XXXX spoke with XXXX  ID # XXXX out of Texas. 

XXXX stated the {$1.00} is a minimum interest charge from a couple of months ago and I still owe {$19.00}. I had no idea. Its not on the statement!!! 

NO WHERE does it state on my statement that I owe {$19.00} and that I am being charged an interest on that amount under " interest charges Calculation '' or does it mention I owe {$19.00} with a fee due. 

My statement from Bank of America does not tell me the balance I owe at the 0 % due on XXXX nor does it tell me what the balance is at the 0 % due on XXXX. 
This is how I missed the {$1.00} fee. 
This does not seem legal to me. 
Who else do I complain to? Bank of America needs to make these statements clear to consumers? I would think by law.

I would like an explanation from Bank of America and to know if this practice is legal. 
XXXX, I don't think she knew, she basically stated, they don't have to break it down. They can just lump it all together under one balance without any explanation. 

I don't want to pay the {$1.00} as it is not listed under my " interest charge calculation '' I don't know if I paid this last month or the month before, but I feel I was miss lead. As I quickly look under the " Interest Charge Calculation Saw no interest charge and thought " I was good " But, In fact, you place a {$1.00} charge under transactions without any explanation, what so ever and you called it a day.

Well, I found out, your doing this and it is wrong. You get 1 million people to miss this and Bank of America could profit {>= $1,000,000} a month.

I would like to file this complaint, and know what my rights are as a consumer and what Bank of America obligations are to their customers along with how the law is written in respect to credit card companies and information needed to provide to their customers.

Please let me know if account info is needed, as you stated not to provide that info now. My statement at this time contains to much personal info, Bank of America can con tact me, if needed. 

Thank You
The nature of the wrong doing is that today, XXXX, is the THIRD time I walk up to a PNC ATM, make a deposit of {$280.00} or {$300.00} ; and the balance that I previously had is missing. PNC is STILL alleging it was removed for " bank fee ; '' But that is a complete LIE! Someone is STEALING my {$1.00} etc. Today it was XXXX dollars STOLEN, and they want to say " MONTHLY FEE. '' I opened my account XXXX of XXXX off of XXXX XXXX XXXX, XXXX XXXX, FL. I was informed there are NO Monthly fees if you deposit at least {$500.00}. If you deposit LESS than that amount, there is a {$5.00} monthly fees. Look at my attachments, do you see {$5.00}? NO! You see made up figures. From XXXX of XXXX through XXXX of XXXX, I never got a fee. Then out of a sudden, I was still making the correct amount of deposits, and PNC was billing me {$5.00}. I filed a complaint. Now I get billed bogus figures. All I know is that PNC NEEDS TO close ALL the other accounts with my name and STOP stealing from me! It's either {$5.00} or nothing. Please let me know why my {$2.00}, from today, was removed from my account between XXXX XXXX and XXXX XXXX   EST, vs first thing this morning when transaction fees were deducted from all the other PNC Customers? Fees do not get deducted in the middle of the day. I called myself today around XXXX XXXX, I had a {$2.00} balance ; Made a deposit of {$280.00} and the {$2.00} were missing ; Called it in, and they chose to label it, MONTHLY FEES. NONSENSE! It's a lie. Look at the ledger and have PNC pay me back for all the FALSE monthly fees. Thank You, XXXX XXXX XXXX ( XXXX ) XXXX
This account is listed under XXXX SUPERIOR COURT claims I have a driving ticket debt of {$1400.00}. 
This account is listed under incorrect middle and last name and a address I never lived at. Also states it was a XXXX in 2010. I do not recall owning a XXXX. Please investigate this debt it does not belong to me.
I received a letter from Bank of America on XXXX XXXX, 2017 dated XXXX XXXX, 2017 that my checking account was going to be closed and that my Debit card would be inactive in 21 days, and closed in 30 days and that this was a business decision, no further information or explanation would be provided and the decision would not be reconsidered. I immediately went into the bank and presented the letter and the agent looked up my account and indicated that it was not schedule for closured and the letter should be disregarded. I used my debit card on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and the morning of XX/XX/XXXX without issue. Over the past week I have had several deposits made into this account and now I can not even transfer the money into my savings account so that I may access it. I attempted to use my debit card the afternoon of XX/XX/XXXX and my card was declined. I attempted to call the bank and it indicated that I no longer had a debit card or a checking account with Bank of America. I have had this account for over 12 years, and I have never had any irregular activity or overdrafts. I do not owe Bank of America any money and I have received no other communication about why the status of my account has changed. I called the number provided on the letter for questions, and the agent repeated about 12 times- this was a bank of america decision and the reason is that your agreement says we can close the account at any time and we do not have a reason to provide. I now have no access to my funds, and I can not pay my bills because I can not transfer it and all of my direct deposits go into this account and my automatic withdrawals come out of this account as well. I have been halted from doing business and pending transfers into this account are in limbo- this is beyond an inconvenience and has caused me to experience loss of business and public embarrassment.
Bank of America around XXXX Bank of American closed my account due to some type of fraudulent activity they were suspicious of that I did not do to my account and was not aware of. Also funds were stolen from my account and when I was attempting to fix the whole situation they notified me they were in the process of closing my account. I had a total of around $ 400- {$500.00} in my account which was taken out and never recieved due to Bank of America accusing fraudulent activity which I had no idea why and never hardly used my account. I was trying to save my money not spend it.
Please see the email chain below in regard to my QWR request that was submitted to Nationstar Mortgage on XXXX/XXXX/XXXX. I received an acknowledgement letter dated XXXX/XXXX/XXXX and an extension letter dated XXXX/XXXX/XXXX. As of today I have not received a response to my request. Please consider this a QWR and see that I receive a timely response to my concerns and that my payment is updated to remove the escrow shortage. In addition, please confirm that a credit block will/was placed on my account during this time to prevent negative reporting as I have never had a delinquency reported for this or any other mortgage I have ever had. Although the information within the emails below are being forwarded, please respond to each concern and request with a written response. I would like to have a single point of contact to discuss the account and assist with rectifying this error. I am unable to make my mortgage payment online due to the incorrect/higher mortgage payment showing due. I would send a check in but I am sure that it would be applied to the escrow shortage that is incorrectly showing on the account and lead to additional problems. My contact information can be found in the email chain below. 

Thank you, XXXX XXXX XXXX XXXX -- -- -- -- -- Forwarded message -- -- -- -- -- From : XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; Date : Tue, XXXX XXXX, XXXX at XXXX Subject : Fwd : XXXX XXXX XXXX XXXX Escrow research request To : XXXXXXXXXXXX Please provide an updated status for the QWR that was submitted on XXXX/XXXX/XXXX. I received an acknowledgement letter dated XXXX XXXX, XXXX and an extension letter dated XXXX XXXX, XXXX. I have not heard from Nationstar by telephone, email, or mail with a response to my QWR research request. I would like to make my mortgage payment but can not do so online as the issue with the escrow shortage has not been rectified and I am unable to make my regularly scheduled payment amount that is less than the incorrect amount showing due that includes an escrow shortage. Please contact me or my husband XXXX XXXX by telephone, email, or regular mail as soon as possible so this matter can be resolved. In addition, please see to it that my payment history is not reported delinquent during the time the research request has been outstanding. 

XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX Loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
XXXX    XXXX    XXXX  is attempting to collect on debt that I never established a contract with them on. Without a contract there is nothing legally binding me to pay this company any money.At this time I will also inform you that if your offices have reported invalidated information to any of the  XXXX  major credit bureaus (  XXXX ,  XXXX  or   XXXX    ) t his action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports.   XXXX      XXXX    XXXX  are in violation of the following : Fair Credit Reporting Act Fair Debt Collection Practices Act Defamation of Character.
CapitalOne LN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX Short sale was started on XXXX/XXXX/16 with CapitalOne. 

We are going into the third month of this short sale. Every single time we call we get a different story on the status or why they ca n't move forward, or some other infantile excuse from the short sale department. This time, they claim they have no authorization on file for us. It is obvious they are defrauding their investors and committing servicing fraud by purposely delaying a decision on the file in order to collect the 'double ' servicing fees they automatically receive for servicing defaulted loans. 

Today, CapitalOne told us they can not speak to us as there is no authorization on file. ... ... ... What happened to it? Did it go to the Land of the Lost Dryer Socks? 

Since CapitalOne has proven so incompetent as to be completely unable to do a simple task such as not delete documents from their files, how can anyone condone their continued existance in the real estate and financial business? 

Or -- -- is this retaliation for the last CFPB complaint we filed against them? ( I attached that here as well )
On Tuesday XXXX, I successfully wired in {$5000.00} to Coinbase.com to utilize their cryptocurrency services. Since then, my money has been locked in their platform due to a defect in their identification system, and I have not been able to close my account and withdraw my money since. Despite numerous attempts to reach out to Coinbase support, I have been met with zero replies, and am extremely dissatisfied with their service and worried about the safety of my funds. Coinbase has shown no interest in helping me resolve this issue, and I am very worried that their " identification '' system is simply a cover up to steal my money.