WillisBack/dataset-financial-user-claim huggingface dataset:
Called multiple times since my loans became due-more th an 20 times to get forms to have my loans discharged beca use I am  XXXX  and have been for a long time. Nobody sent me paperwork via email or through  US Mail  and my loans are still showing due.
I withdrew {$2800.00} cash from a local  US B ank branch to take to another local bank to make my mortgage payment. The teller was  XXXX . When I arrived at the other bank,  XXXX   XXXX   XXXX   XXXX , they discovered that  3 o f the {$100.00} bills were probably counterfeit. They confiscated the bills to send into the authorities. I contacted  US B ank from that bank to notify them tha t 3 of t he bills they gave me were counterfeit, and I filed a police report at the local police station. After a few conversations back and forth, the  US Bank branch manager at that  time,  XXXX , assured me I would be reimbursed for the lost funds. The bank teller,  XXXX , said that they periodically scan currency for counterfeit, but rely on the tellers to quickly identify counterfeit bills because they " do n't have time to scan all the money that comes through the bank ''.      XXXX   XXXX   XXXX   XXXX  has recently let me know that the bills were indeed counterfeit, and yesterday the new  manager,   XXXX , at the  US Bank b ranch told me that they have no way of knowing whether I switched the bills with counterfeit bills between banks. They have no accountability for replacing the lost funds because, once I left the bank, I accepted full responsibility that the currency I was real money. In essence, they are accusing me of money laundering. In all my life as a mom, grandmother and an   XXXX   XXXX  , I have never dreamed of being accused of such a thing! Please let me know if there any further steps I can take to get reimbursed from the bank, or at the very least to warn others to have their money scanned before leaving the bank.
I sent XXXX XXXX XXXX a USPS Signature Required, Cease and Desist Letter, to stop all forms of communication with me on XX/XX/XXXX order number XXXX. This letter was signed for by XXXX XXXX XXXX. I have now started to receive letters from XXXX XXXX   XXXX again today XX/XX/XXXX
The American Express send me the XXXX XXXX credit card offer by the email at XX/XX/XXXX, for the following promo-tion : XXXX bonus miles after spending {$2000.00} or more within three months and {$50.00} statement credit after make a XXXX purchase within three months. ( See attachment Page 1-2 ) I applied the card by the email link which American Express send to me at XXXX XXXX, XXXX. The card was approved. ( See attachment Page 3-4 ) I  spend more than {$2000.00} and made the purchase of {$50.00} from XXXX XXXX XXXX on the card within less than three months period. I paid the annual fee {$95.00} too. 

But XXXX bonus miles and {$50.00} statement credit never posted on my account. I have been contacted to American Ex-press at XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. ( See attachment Page 5-9 )
Unjust Enrichment of my Escrow monies on a new loan originated on XXXX XXXX. 
" I received your reply dated XXXX XXXX, XXXX. 
I still contest the ledger on my escrow account is wrong. The investigation is not conclusive in regards to my request because it does not address the core issue with the accounting of my escrow monies. The escrow transfer credit on line XXXX is the correct amount @ {$7000.00}, but these funds were intended to be paid out at the time of closing to our Village and our Insurance company for XX/XX/XXXX invoices. The estimated escrow payment at origination was and still is enough to cover all of the escrow expenses that have occurred, and the projected expenses for the near future, with the overage originally calculated and applied. 

Your letter is showing a negative adjustment to the escrow account for {$7000.00} ( I 'm assuming to fund the taxes and insurance ), which would put the escrow balance at {$1200.00} at the time of closing. But your reported escrow balance is not true because Nationstar did not pay the entire property tax bill at the time of closing. The starting escrow balance, and our escrow payments in XX/XX/XXXX were enough to fund the taxes and insurance for XXXX, XXXX, and will be for XX/XX/XXXX. ( Including escrow padding ) The amount of {$3400.00} was not an 'advance ' in XX/XX/XXXX, it should have been CREDITED from your stated escrow balance of {$8200.00}. And the tax payment was short, and I had to contact Nationstar to make the additional payment of {$2400.00} in XXXX XXXX - which is a LATE payment. This amount should also have been credited from the stated escrow balance. These XXXX payment total {$5900.00} to the Village of XXXX XXXX - not {$7800.00} ( as stated in your reply letter ). Also, at the closing Nationstar cut a check to XXXX for hazard insurance for {$1200.00}, which should have been credited from the escrow balance. Nationstar 's ensuing management of my escrow monies and account charges are negligent at best. And the amount of harassment put, as a responsibility on me is unjust and erroneous. The errors have all occurred as a result of Nationstar mishandling my escrow ledger. This was election I made to make my accounting simpler - I do n't need to have an escrow account.
I previously had an American Express XXXX XXXX credit card. I cancelled that card. American Express then offered me a sign up bonus for their new XXXX XXXX XXXX. I paid {$75.00} dollars XXXX annual fee ) to get this new card. The new card has a different name, different features, a new sign up fee, and also looks different ( XXXX, etc ). On the cards terms and conditions It states that the sign up bonus is not available to applicants who have had this product. XXXX is not giving me the sign up bonus for the XXXX card because they incorrectly claim that the XXXX card and the XXXX card are the same product. For the reasons stated above they are not the same product and American Express should give me my sign up bonus or refund the {$75.00} I paid for the new card.
Transunion is reporting fraudulent accounts open in my name. I requested to the accounts be deleted from my credit report and they have failed to do this. There are three accounts from XXXX XXXX. One account from XXXX XXXX an another from XXXX XXXX XXXX.
We had a mortgage with Suntrust Mortgage that was sold to a garbage company called XXXX.We are not late on any payments. We had 1.5 years left to pay on it. 1.5 not 15 but 1.5. Now we know that we are going to have a nightmare on our hands because  something is terrible wrong with XXXX. 

How can we fight this? How can Suntrust do this to us? I told Suntrust that the best thing I can do is go to the local news channels and alert other people that this is what Suntrust is doing. I really dont believe it is real, and I have been hacked.
I PAID MY LOAN OFF AT CHECK AND GO, BUT BELIEVE I WAS OVER CHARGED. LOAN START XXXX/XXXX/2015 AND I PAID IT OFF ON XXXX/XXXX/2015.
I have disputed this with AFNI twice and two other companies in the past. This is an incorrect charge and I have made payments to clear the old balance from XX/XX/XXXX. The original balance when the account was closed was {$410.00} on XX/XX/XXXX. I made payments to pay it off to the actual account owner XXXX. They came back in XX/XX/XXXX charging new charges and an account acceleration fee after the account had been closed for almost 3 months. I had the account for 6 years in good standing and I had made the contract dates and I was not under any contract when I closed the account. The account was closed in XX/XX/XXXX and a bill from XX/XX/XXXX with new charges after account had been closed for three months is fraud, which was sent to me. Because, I have had this removed several times since the beginning of XX/XX/XXXX,  XXXX keeps changing collections companies and tries to go after me for new amounts and new starting and ending dates, which is also against the law.
Hello, I paid XXXX XXXX  a total of {$290.00} on my XXXX  credit card onXX/XX/XXXX {$99.00}, XX/XX/XXXX {$99.00} andXX/XX/XXXX {$99.00}. I noticed that no progress was being made regarding to the services said company promised.
Gold Key Credit, Inc been reporting the following medical collection account number ( XXXX ) since XXXX 2015 according to XXXX and XXXX XXXX consumer reports, but I have yet not received any communication from this agency pertaining to this account, as a result I do not have the full account number or any additional information validating this claim. However I have printed the account details from my credit report and forwarded a copy with my initial request for verification of the debt and production of documents on XXXX XXXX, 2015. At this time I have notified Gold Key Credit, Inc in XXXX separate written communications that I dispute the validity, accuracy and responsibility of the debt. As of today, XXXX XXXX, 2015 Gold Key Credit, Inc has not responded to my multiples request as they are required. I have also filed XXXX disputes with XXXX and XXXX XXXX and I have received notification from the bureaus that Gold Key Credit , Inc has verified that the account belongs to me. Gold Key Credit , Inc has violated the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by continuing to report their negative mark on my credit report, affecting my abilities to obtain credit and causing me to lose an average of XXXX points on my credit score since XXXX 2015. I want this agency to proof the validity and accuracy or remove their negative mark from my credit reports immediately. Any assistance from you will be very much appreciated. Thank you
In my request for production, plaintiff is unable to procure documents showing the transferring of alleged contract or account information from XXXX over to Shermeta Law Group who does not even practice in the county or state that I am in. 
Counsel objects to my request to provide a contract, agreement and assignment or other means demonstrating that the plaintiff has the authority and was legally entitled to collect the debt. 
They admit that no such assignment has occurred but they are not required to by law. They cite an XXXX v. XXXX XXXX District XXXX XXXX, but their firm and the original alleged lender do not practice even in XXXX County. 
Furthermore, I am not employed and I am on XXXX and they threaten to garnish my wages. In their letter which has conflicting dates as to when it was sent and when things are due is confusing. 
And MOST alarming is the statement that says, " It is to your advantage to avoid garnishment of personal earnings because the extra burden on your employer could possibly cause you to lose your job. '' That is a threat and a fear tactic and illegal!
I 'm filing a XXXX complaint against Equifax today arising out of their refusal to remove a XXXX tax lien that was withdrawn by the IRS, which it is now falsely reporting as active. 

( My XXXX complaint is case # XXXX XXXX involves XXXX lien that the IRS withdrew. A copy of that withdrawal is attached for your reference ). 

The IRS withdrew a XXXX lien. ( See attached copy ). Per the attached notice from Identity Guard, received today, Eqiuifax is now falsely reporting that this lien is active. ( See attached ). 

Please help.
For at least 6 months a company calling themeselves Portfolio Recovery have called me at least XXXX times from various telephone numbers ( recently on XXXX/XXXX/2015 from XXXX ) at my telephone number using robocall. They leave a telephone # to for me to call. I have called this telephone # and instead of they telling me the name of who they are looking to collect from, they insist that I give them my name. I told them that for privacy reasons I do not give my name to any caller that calls me and do not give the name of who they are calling. I have told them several times not to call me back as I have I do not owe anybody. I have even run a credit report on me and on my wife and there is nobody trying to collect from us nor are there any overdue accounts. They have no right to demand that I give them my name. They should only ask for who they are looking to collect from, at which time I would tell them whether I am that person or not. I consider this harrassment and an attempt by them to invade my privacy. They must be harassing a lot of innocent people, most of which do not know how to complain. The company can use my telephone # to match me against their records ; but I will not give them my name. I am also in the National Do Not Call registry.
I have made payments to this company on top of they are garnishing my wages I have asked them not to contact me or my wife about this debt. They still call my Wife everyday and myself three time a week.
I was told that if i get caught up by my next due date they would n't close my credit card. I did that and they still closed my account.
Navient purposefully refused to disclose the procedure for the removal of a co-signer on my Private Student Loans. That deception has negatively impacted both my credit and my co-signers credit.
I have attempted to have this account removed from my credit since  XXXX    XXXX  . I have sent letters for validation a nd all I get in return is the account is VERIFIED via FCRA rules & I am instructed to call AD ASTRA. For 2 years now,  I call them give them the partial account number from my report once the account is pulled up I 'm asked to verify my social and birthday HOWEVER they are unable to discuss the account because the personal information does n't match. I filed a complaint via this website  XXXX  a nd in return Ad Astra uploaded and mailed me loan documents that did not bear my written signature HOWEVER the documents they sent did prove my point that the account does n't belong to me. Per the documents sent to me by ad astra the social is NOT mine. I sent a copy of the documents THEY sent me to the   XXXX   main credit bureaus YET Ad Astra will not remove this account from my credit file. For 2 years I have proven and they have given evidence that this account does n't belong to me. They even transferred the account to an attorney who sued me and LOST because the personal information does n't match mine. The attorney removed their listing from my report but Ad Astra will not ALTHOUGH they personally sent me information proven that the file does n't belong to me. Please just remove this from my credit report.
XX/XX/XXXX I sent XXXX XXXX letter asking them to provide me with original documentation from two companies ( XXXX XXXX XXXX and XXXX/XXXX  ). They responded to my dispute in a timely manner ( XX/XX/XXXX ), however they did not provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) or promptly delete inaccurate information as it states under Section 611 ( 5 ) ( A ) of the FCRA. Their response was " The company that reported the information has certified to XXXX  that the information is accurate. '' XX/XX/XXXX, I received a letter from XXXX XXXX XXXX, in response to the XXXX letter from XXXX, stating they were unable to locate my account because the credit bureau doesn't disclose the full account information and asked me to help verify the debt for them. I sent this letter to XXXX  and ask them their methods of verifying the accounts and how was this account verified if XXXX couldn't verify it. How can they certify to XXXX that the information is accurate. XXXX didn't respond. 

XXXX XXXX, I received a letter from XXXX XXXX XXXX in regards to the XXXX/XXXX account that is reporting on my report. Included was a letter from XXXX stated that the account was sold to XXXX XXXX XXXX and I should address my concerns with them. XXXX XXXX XXXX told me they received and processed my dispute ( XXXX letter ) and the information is accurate. Failing to provide me with a original contractual agreement that I am obligated to pay the balance that they say I owe. They sent me information that can be publicly access through my credit report, via permissible authorization because they're a collection agency. 

All parties have FAILED to provide me with the information I asked for which is : Original physical documentation that proves that I owe the debt : 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 : 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 : These are violations Violation of the Fair Credit Reporting Act and Violation of the Fair Debt Collection Practices Act and as a consumer I am highly upset and offended that these companies do not take the law very seriously.
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX . XXXX XXXX, GA XXXX PH :. XXXX PH : XXXX EM : XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth XX/XX/XXXX SS # : XXXX TO : * Consumer Financial Protection Brueau * Department of Veteran Affairs, Office of the Inspector General My name is XXXX XXXX XXXX, I 've received another email from Discover Card in my XXXX email, past emails from Discover Card were unautherized deletions. I do n't and have n't ever had a Discover Card nor any accounts through Discover Card Bank. 
From : Discover Card XXXX To : You XXXX Date : XX/XX/XXXX XXXX XXXX Thank you, XXXX XXXX
I purchased a washer and dryer set from XXXX XXXX on XX/XX/XXXX. The order number was XXXX. I received the washer and dryer on XX/XX/XXXX. They did not work properly. The washer took one and one half hours to wash a load. The dryer took the same to dry a load. I called on XX/XX/XXXX and they sent someone to fix the washer and dryer on XX/XX/XXXX. On XX/XX/XXXX after he left I realized they were not fixed. I called them and said come and pick these up they do not work properly. They said the earliest time they could pick up the washer and dryer would be XX/XX/XXXX. They called later and said I would need to pay {$70.00} for the pickup. I went to the store on XX/XX/XXXXto pay the {$70.00} and make sure they were coming on 08/01/2017. The manager I talked to was XXXX XXXX. He said they did not charge for that type of pickup. He said the washer and dryer was still scheduled to be picked up on XX/XX/XXXX. No one came on XX/XX/XXXX to pick up the washer and dryer. 
XXXX XXXX refuses to follow their own written company warranty. This warranty is online in plain language. I will attach a copy.
I do not have a signed contract nor any contract with XXXX XXXX XXXX. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX XXXX. I am not responsible for this debt with XXXX XXXX XXXX. Also per State of Florida Office of Financial Regulator you must be licensed and bonded in the state of Florida to collect. Please see attachment showing this company is not licensed nor bonded in Florida.
On XXXX/XXXX/16 I contacted Equifax via telephone to request a formal dispute of an unauthorized credit inquiry into my personal credit report with Equifax. More specifically, on XXXX/XXXX/16 XXXX XXXX performed an UNAUTHORIZED credit inquiry into my credit score/history with Equifax. On XXXX/XXXX/16 I contacted XXXX XXXX regarding this unauthorized credit inquiry, which has adversely affected my credit score. XXXX had no comments so far on this incident. So I immediately contacted Equifax via telephone and requested a formal dispute of that " hard '' inquiry into my personal credit report. Equifax then sent me an email notification stating that my Equifax dispute had been resolved. However that 's simply a copy of my credit report. I was unable to reach Equifax today ( XXXX/XXXX/16 ) in order to resolve this issue immediately. Equifax 's website is also unclear on how to obtain immediate assistance. Equifax has failed to process my request to remove inaccurate information ( i.e. unauthorized inquiry ) on my credit report as I was promised on a phone call with Equifax 's representative on XXXX/XXXX/16. 
Please also let me know if the Consumer Financial Protection Bureau can initiate a separate investigation into this matter against XXXX XXXX or if I must file a separate complaint against them for performing an unauthorized consumer credit inquiry. 
Sincerely, XXXX XXXX
NationStar Mortgage Company claims that I missed a payment in XX/XX/XXXX. I called NationStar on XX/XX/XXXX at XXXX and spoke to a lady by the name of XXXX. I asked her to tell me what month and year was this supposed missed payment. She told me it was the XXXX XXXX payment that was not paid. I said if I could prove that it was paid, would I be reimbursed for all the late fees? She assured me that I would be. I have proof of all my payments including the one that they claim was not paid. I mailed the proof to NationStar XX/XX/XXXX. They have never acknowledged that I have provided the proof of payment. Every month they accuse me of being behind in my payment by one month on my mortgage bill. They also add late fees and ask for the missing payment which I do not owe. They are ruining my credit rating.
Wells Fargo is not for community when we bail the banks out of their crisis what my issue is I open a checking account a year ago, I was upgrading my checking account and was told it was base on my credit score and was denied not on XXXX XXXX or XXXX so this practice is totally not fair. The location was XXXX in XXXX, Tx the other issue is with the opportunitye checking your daily limit is {$300.00} with my balance being {$5000.00} this is totally not fair now you debit card has a daily limit not my checking account My debit card was denied because with an opportunity checking account I paid a water bill for {$160.00} with a balance of {$640.00} it denied my transaction XX/XX/XXXX I went to the branch to speak with a representative and was told it was my credit score and when was the last time it check my credit totally not fair. Then I applied for a regular checking account and was denied ; I have deposit money into this bank and I want other consumer to about this practice. We live in a capitalistic system why I cant open a regular account
I am sumiting this complaint on my mother morgage with Banco Popular de Puerto Rico ( BPPR ), she pass away on  XX/XX/XXXX  i am the sole surviving son and executor of her last will and testament my residence is in NYC USA payments where miss and on a visit to PR for house maintanance discover Court papers to procede with sentence on the auction of the property, got in contact with the Lawyers that submitted the testament for advice and hire them for representation in PR, and temporarily has stopped the process.Since that time numerous attemps to reach an agreement or accomodation has not been offer or not even answer, from the begining i have stated that im willing to continue payments on the morgage my bank (   XXXX   ) send two checks {$2000.00}, {$220.00} to cover until  XX/XX/XXXX they proceeded to refund those checks on behalf on my deceased Mother to the address of the residence which is uninhabited by regular mail, in my view completely inproper and close to " mail fraud '', i don`t earn enough and have no collateral, meanwhile the days keep passing, lawyers continue billining and ( BPPR ) continues sending account statements but don`t allow to update the account
We are receiving daily robotic phone calls from XXXX from " XXXX XXXX XXXX XXXX XXXX XXXX ''. The message claims they are a debit collector and asks us to call back to resolve an unpaid debit. We have called back, and the phone call is answered by a telemarketer trying to phish for information they do not have ( who is calling, social security numbers, bank account numbers, etc. ). We refused to engage in the phishing and asked that the calls stop. Nevertheless, the calls continue. 

They do have an online website : XXXX XXXX XXXX This website has a " payments '' page referencing the above phone number. 
XXXX XXXX XXXX