WillisBack/dataset-financial-user-claim huggingface dataset:
On Friday, XX/XX/XXXX my debit card was stolen at the gas station, which I was unaware about. {$2800.00} was withdrawn from my checking account in multiple transactions from several different ATMs during the following several days. Upon my notice of the missing card on Monday, XX/XX/XXXX, I called Bank of America, stopped my debit card and opened the claim number XXXX with regards of unauthorized transactions and missing funds. No temporary credit was issued to my account, although I was assured that the company would investigate my claim. Within several weeks I attempted to call and speak with multiple representatives, with the reassurance from some of them that I would definitely get my money back, in 10 days, in two days, on Friday. I never got ANY money back and on XX/XX/XXXX I received the letter which stated : Weve completed our review of this claim and have determined that no error has occurred. Based on this information, were unable to credit your account and now consider this disputed transaction closed. 
It seems, that there is no recourse left from my side with Bank of America to protect my consumer rights and get compensated for the funds lost.
i am asking them to validate this debt with a signed contract for the amount they are claiming, please forward a contract that has the creditors name, address the amount claiming i owe and my signature. thats the only paper that i will except as validation, its also all the courts will except as proof the debt is mine. you can upload that through this site. if you dont or cant this will be my final notice prior to file suit in XXXX XXXX courts.
Company is not working with me. They are not responding back. I need this account resolved and removed from my credit.
I recently completed a refinance with XXXX. The second month the payment was due, they changed the loan number and address of where to send payment. I sent the payment in under the new loan number and sent to the new address. XXXX states they never received payment. I confirmed payment with my bank and have proof of payment. I have called XXXX a few times and have gotten no where with the issue. 
On XXXX/XXXX/XXXX, I faxed all the proof of payment documentation over to my XXXX XXXX, XXXX XXXX. She agrees that the loan was paid by the information I sent her. 
We did a 3 way conference call with XXXX, the Customer Service XXXX XXXX. He states they still have not received my payment! He also states that this happens all the time because the loan payment goes from XXXX XXXX to New Jersey. It will be the XXXX of the month in a few days and I will have another payment. I am afraid to pay it again since they have already lost XXXX XXXX payment. Please advise. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX
Took out a loan in XXXX of XXXX and I paid off my loan on XXXX XXXX XXXX the company Avant is saying that I still owe them {$380.00} for a missed payment in XXXX I was given a pay off amount in writing and over the phone that they are not honoring I was told to pay XXXX on XXXX XXXX so my pay off would not be short XXXX I paid that amount plus XXXX and final XXXX on XXXX XXXX this is unfair I also paid XXXX on XXXX XXXX XXXX the attachment pay off letter was the amount if I paid on XXXX XXXX I paid 6 days early so my pay off was XXXX which I paid online via ach and I called that day
Hi i have been working with SPS since  XXXX / XXXX / XXXX , to complete a short sale on my property, it took til  XXXX  of  XXXX  to get approval, The buyer I had from  XXXX  hung in there til  XXXX  of  XXXX , his lawyer called and said his clients finances had change d 2days before  we were to close  XXXX   XXXX   XXXX , and we could not close, we relisted and by the grace of  XXXX  we found a new Cash buyer on  XXXX   XXXX  the day I was to close, we submitted all documents, for review, i was told it would not take as long as the first time i had already been approved, and the offer was more than what had been approved weeks before, I now I 'm having to repeat and resend over and over documents, each week there is something new, if anyone had half a brain, they would of just resubmitted the offer to the lender for approval. There is no one that has authority, that you can speak to at SPS, and the ladies can only tell me what is needed to move forward.   This is not right my offer should be submitted to the person or company for there approval, I should not have to go thru this again, I was approved to have a short sale done and the offer is more then was approved, already.
On XXXX XXXX, XXXX I went into the US Bank branch to open a new credit card. XXXX XXXX, the banker, helped me open the account and successfully got the credit card approved. After which he mentioned another product to me. Initially I declined, but after hearing his spiel and reassuring me three times that there would not be another credit inquiry done on my credit report, I went ahead and agreed to open the personal line of credit ( PLOC ) and was approved. 

When I got home later in the day, I checked my credit report and saw that there were two inquiries done. I quickly called XXXX back and let him know. He said he would be looking into it. It took 4 weeks of back and forth with XXXX and various US Bank consumer report calls for them to officially open a dispute. On XXXX XXXX, XXXX. They formally opened the dispute. 

Sometime in XXXX I received a letter from US Bank stating that my dispute was denied. I called XXXX back once again and he said he would find out the issue and get back to me. After about 2 weeks of not hearing back I called the US Bank consumer report center directly at XXXX and they informed me the dispute was for the inquiry and because the inquiry was valid as a result of the new account, it could not be removed. I explained my frustration and they said they would be opening a new dispute to close the account and then remove the inquiry. I agreed. On XXXX XXXX, XXXX they opened the second dispute. 

Sometime in late XXXX I received another letter stating that my dispute had, once again, been denied. I called the department and they said that they were waiting on documentation from the banker, XXXX XXXX, to submit so they could process the closure and remove the inquiry. The banker, had already confirmed that the error was on his part, but they still needed whatever additional documentation. They told me they would be " escalating '' it and it could take a few days before that was completed. They were/are basically holding the resolution on the actions, of an individual I have no control over, who is also one of their employees. 

After two weeks of not hearing back, I finally called back today, XXXX XXXX, XXXX, to inquire about the status. They told me that there was no notes in the dispute about why it was denied, or what was going on with the account. They have once again " escalated '' it to be reviewed. 

Frankly, it has been almost 6 months. If it was only one bankers lack of knowledge that caused this issue, I would not be writing this message. This is my last resort as there seems to be a central flaw in US Banks policies and procedures regarding matters of this sort. They do n't seem to care or want to acknowledge that they made a mistake and resolve this.
I have a Chase credit card. They sent me a letter stating they were going to close the account due to inactivity ( fair enough ) and that my only way of avoiding deactivation was to call their customer help number during set hours. Even buying something with the card would not avoid deactivation - I had to call their number. 

Unfortunately, their customer phone number had an extremely long wait. I gave up after 25 minutes because I had to get back to work. When I signed onto my account online, there was no live chat option or even a way to email them expressing that I wanted to keep this account open. 

This is a minor problem, but still I think worth the CFPB 's attention. Is it fair for Chase to make people like me wait for 30, 60, 120 minutes in order to keep their credit lines open? Many working people do n't have open-ended time during the workday to wait to get Chase on the phone. Closing these accounts negatively affects credit scores - and consumers like me want to keep them open. I can see why Chase has a financial interest in closing out these accounts and are making it difficult for customers to exercise their ability to keep these accounts open.
I never had an account with General Motors. I sent a direct dispute asking them to provide me with documentation that I had an account with them, but they failed to provide me with any paperwork. They just sent a one-page letter stating that my account is reporting correctly to the XXXX, XXXX, XXXX agencies. I know it 's not reporting correctly because I never had an account with them.
I have researched and found according to Fair Credit Reporting Act : Section a-1-A credit agencies are not suppose to accept reports from a third party. We have contacted the courts and they specifically said they DO NOT report bankruptcies to credit agencies. We have contacted by two certified letters, Experian Credit agency, asking them to remove this. We enclosed with the letters, a letter from the court stating their policy. Could you please help us in this matter Experian is the only one still reporting this. 
Thank you
My mortgage was transferred to a new servicer and the auto draft did not transfer, I have made the payment several times and their system is having problems processing, they have acknowledged that and assured me they would not be charging late charges or negative credit reporting. and this is their issue, I am calling them daily to get this resolved and now there is a negative report on my credit report
I started receiving phone calls from this number on my personal cell phone, home phone, and work phone on X/X/18. First and foremost they are NOT to contact my job for any reason. This is a personal matter and it should/will be handled as such. My number one complaint is that they are calling me asking me to verify my identity via social security number and date of birth to some strange person who advised the call is being recorded. If you are calling me in reference to a debt and I have verified that you are speaking to the person you asked for I will not give you or anyone else who is calling me from some XXXX my personal information There are too many scams going around and the only thing they would provide to me was that they were calling on behalf of Capital One and would n't give me anything else. I have not received anything in writing from this alleged debt collector about what or who they are and what they are trying to accomplish.
We are buying a place in a XXXX. We are XXXX residents but spend a few months in the summer XXXX. We wanted to get pre-approved for a mortgage. We choose PNC since it has offices in XXXX places. We have perfect credit and no debt with XXXX scores of XXXX. So we had problems from the start. Our banker never seemed to know what was happening. He would be sent documents from us or our lawyer and not know he had them. He would promise to call with updates and not do so. He would never know the whole story. PNC picked an appraiser that did not live in XXXX. The appraiser did not know the community. Even though our property was considerable lower in price that comparable properties, the appraiser stuck to his/her position. The banker finally filed paperwork concerning the appraisal but told us it would delay the close. The discrepancy of appraised value to sale price was XXXX 1 %. Another independent banker and a lawyer told us the amount that can be borrowed is 80 % of the sale price or appraised value, which ever is lower. PNC bankers were insisting the contract be changed. Again the banker appeared to be clueless. We are now working with a much more responsible lender. We are only sharing this story in the hopes that other consumers become aware and AVOID PNC.
I sent this company my disputes on XX/XX/XXXX18 with full details on what accounts were erroneous and I needed to be removed. The account I disputed was linked to somebody whose last name is XXXX who lived in XXXXXXXX XXXX XXXX  # XXXX XXXX XXXX XXXX, CA XXXX. 
In the dispute, I attached documents to proof that The name and address wasnt mine. I attached my Identity documents as proof of my address and Names which categorically differentiate from the person on the account that was supposed to be mine. 
But to my surprise, this company refused to delete this account even with the overwhelming evidence from my identity documents. For yet another time, this account is not mine and I need deleted immediately : XXXX XXXX # XXXX, Date Opened XX/XX/2005, Original Balance {$350000.00} Attached here with is the dispute letter I sent this company, my Proof of address where I have been living since then and my Driving License which states my names fully. Any name thats not on my Identity documents is not mine.
XXXX XXXX-This account is showing open on my credit report, this account was previously closed on my credit report, I disputed this item with all 3 credit bureaus and it still shows open, it keep being sold to different collection agencies and showing up on my credit reports, aster I disputed this matter, this account shows actively open and being reported on my report each month, last report shows XX/XX/XXXX, this account need to be closed and not reported to the credit bureau each month. 

XXXX XXXX XXXX- This account is showing closed on some credit bureaus and open on some, I have previously disputed this and the account was closed and the reported was stopped and then it was reopened, this account is actively reporting to the credit bureau and last report was on XX/XX/XXXX, this account need to be closed and stop actively reporting to the credit bureau.
I am a victim of Identity Theft. I have items on my credit report that do not belong to me
I have asked Commonwealth Financial to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
XXXX XXXX I Last reported : XXXX XXXX, XXXX + {$860.00} Needs Attention XXXX XXXX XXXX Last reported : XXXX XXXX, XXXX + {$710.00} Needs Attention XXXX XXXX XXXX Last reported : XXXX XXXX, XXXX + {$550.00} Needs Attention XXXX XXXX XXXX Last reported : XXXX XXXX, XXXX + {$530.00} Needs Attention XXXX XXXX Last reported : XXXX XXXX, XXXX + {$460.00} Needs Attention XXXX XXXX XXXX Last reported : XXXX XXXX, XXXX + {$350.00} Needs Attention XXXX XXXX XXXX Last reported : XXXX XXXX, XXXX + {$310.00} Needs Attention XXXX XXXX XXXX Last reported : XXXX XXXX, XXXX + {$300.00} Needs Attention XXXX XXXX I Last reported : XXXX XXXX, XXXX + {$68.00} Needs Attention XXXX XXXX XXXX Last reported : XXXX XXXX, XXXX + {$38.00} Needs Attention
I have a mortgage through Loancare, with loan number XXXX. I made a payment on XXXX XXXX, 2016 for {$2200.00}, but as of today, XXXX XXXX, 2016, Loancare has not issued a statement reflecting this payment, and therefore has not indicated that another payment for the same amount is due on XXXX XXXX, 2016.
On XXXX XXXX, 2016 I was contacted by someone from a Santander Bank branch in XXXX asking if I was in the state of XXXX because someone was in her branch with my account number & an ID. I immediately called the customer service number on my debit card. As I was on the phone with customer service I logged into my account & discover someone has taken XXXX separate with drawls out of my savings account. XXXX at XXXX branch {$5500.00} cash, {$2000.00} in a cashier 's check. XXXX {$6000.00} cash at another branch all in XXXX. I was connected to the fraud department. I was told I had to go to a branch location with my ID to prove I was in XXXX. All of my accounts were frozen ( checking & savings ). I had to go to the Police Station & file a report. On XXXX XXXX I inquired on the status & was told I needed to get a copy of the police report before the investigation could be completed. On XXXX XXXX I went to the police station picked up the police report brought it to my branch. It was faxed to the fraud department & I was told it would be a few days before the investigation was completed. On the XXXX I called the fraud department because I was concerned that my bills were not going to get paid & my direct deposit was scheduled for the XXXX. I was told the investigation was still in process & could n't give me a date when it would be completed. On the XXXX I called the fraud department AGAIN. I was put on hold so she could contact the investigator. I was told my money would be back in my account by the end of the week. I checked my account several times on Friday XXXX XXXX & my money was not in my account. I called yet again & was told I had to go to a branch someone could help me there. I explain the situation to the 3rd person in this branch & then was told the fraud department was closed for the day so there is nothing he can do for me. He printed my profile took my cell phone number & promised he would follow up with the fraud department in the morning & call me. I never heard from him. On XXXX XXXX I filed an online complaint with the XXXX office, I have not heard back. I contacted XXXX. They gave me the phone number to OCC. After speaking with the OCC I was told I have to contact Consumer Financial Protection Bureau. It is now XXXX XXXX. It 's been 27 days since my money was taken. I have no answers. My money has still not been replaced. I do not want to speak to another person at that bank, the fraud department or the branch. I am extremely frustrated with this whole situation & do not understand what is taking so long to replace my money. This was the banks error for allowing someone to walk into branches in another state & with draw large amounts of money out of my account. I feel I have had to jump through hoops. Prove it was n't me. Take numerous hours out of my work day between having to go to branches & phone calls. I am hoping someone can help me please.
A Georgia based non-profit procured a loan from Bank of America in XXXX of XXXX in the amount of {$430000.00} with a 20 year maturity on a 30 year amortization at the rate of 8.5 %. The purpose of the loan was to acquire and renovate a XXXX unit apartment community in XXXX XXXX, Georgia for rental by low income households. The project also had a second mortgage HOME loan from the County to cover the full cost of renovation. For the past 15 years the project has provided much needed affordable housing to mostly XXXX households. The organization kept the loan current throughout the term of the loan. Recently, the non-profit was approached about selling the property, which it decided to do since it was no longer able to keep the project property maintained ( after 15 years it needs to be re-capitalized and renovated ) and could not procure new financing itself. The outstanding balance of the loan is about {$280000.00}. With that, the organization agreed to a sale in which it would recapture the initial {$44000.00} it had invested in the project at acquisition in XXXX. However, upon requesting a payoff from Bank of America, it was informed that the pre-payment penalty for the loan would be {$38000.00}. When it requested the justification for this, it was given a schedule that also showed that at maturity in XXXX, even with all payments being current, the pre-payment penalty would be {$26000.00}. Thus, at no point was this loan merely an 8.5 % loan. As such, at no point could the organization have taken advantage of the lower interest rate market, even had it tried to improve the operational efficiency of the project, without a usurious penalty being exacted. At {$38000.00} in penalties, this is 13 % of the outstanding loan balance, which coupled with the 8.5 % interest rate already being charged becomes usurious under any definition. Requests to Bank of America to redress this unjust lending practice have fallen on deaf ears. The specifics of this penalty were not disclosed in the Loan Documents, as the pre-payment reference was a vaguely worded requirement with no calculations or parameters. In any other lending context, there are pre-payment penalties that are tied to percentages and burn-off timelines. In this case, there was nothing but a pre-conceived effort on the part of Bank of America to gouge the borrower from the start to the finish on this loan. We can provide documentation regarding all of the above information, and provide significantly more information if needed. If this is legal, it should not be. Given the TARP bail-outs of banks and all of the misery they have caused, it is equally unethical that a small non-profit, doing its tax exempt mission, should be extorted by one of the biggest culprits in the illegal predatory lending and skulduggery that occurred over the past decade. Shame on Bank of America. As an American taxpayer, a Veteran who served his country, and a non-profit developer who has spent his entire professional career trying to literally make America a better place to live for its poorer citizens, I am appalled and disgusted by this egregious behavior of a bank that makes a farce out of its name.
I had contacted capital one to try and make a payment in full on my card. They told me that they didn't accept payroll cards as a viable means of payment. My card does not have routing numbers or anything of the sort, which prevents me from paying online since I don't have a bank. Then they told me I had to send a money order to them. The last time I did that they still charges me late and it took over 20 days for that issue to be resolved. When I asked them if they were going to cover the money order charges they said they wouldn't do it. Capital one was refusing to take a valid card as payment to pay my bill. My card is accepted everywhere and anywhere but they refused to because of their policies they said. When I asked them to send me the writing in which it states that I can not use my debit card to pay my bill the manager I was speaking to denied to send me anything or tell me where it's located. I've had nothing but issues with capital one trying to get a credit increase to paying my bills. They kept refusing a valid card as payment on my account even though that's illegal to refuse a form of payment and I feel my rights as a consumer has been violated and taken advantage of even though I've had the card for over three years now and only received a XXXX dollar credit increase throughout all those years. I even have the call recorded from which they denied a valid form of payment and how they refused to pay for the additional fees of a money order l, to which they still would have charged me a late fee and I would have had to wait over 20 days like the last time for it to be corrected.