WillisBack/dataset-financial-user-claim huggingface dataset:
I am caught in a very frustrating wormhole.My wife and I have gone to the branch, four times ; I spoke to a representative at consumerfinance.gov ( XXXX ) for about an hour and a half and told her my WHOLE STORY. She assured me that a rep would call me with a resolution. I filled out a survey ; XXXX XXXX left a voicemail but upon returning the call, I got XXXX XXXX, who told me a lot of nothing. MY PROBLEM is that the branch at BoA XXXX XXXX drilled my safe deposit box and is holding my contents. They have provided no reasons ; no explanation as to why this was done. All of the answers I get is what should have happened ; that the bank sent out several compliance notices and that I failed to answer them. I asked what information could they possibly have been requesting ; everyone speculated that it could have been a missing social security number or address or phone number. I 've had that safe deposit box at XXXX XXXX since XX/XX/XXXX ; prior to that I had one at the XXXX XXXX branch. I 've had that box here in XXXX XXXX over 30 years. I added my wife XX/XX/XXXX, the year we were married. We were asked to come into the branch about XX/XX/XXXX, XX/XX/XXXX and to this day, I do n't understand the info they were requesting. The branch asked us to return to the branch and we did again, in the same week. The so-called information we submitted those two times in the same week was the EXACT SAME information we submitted XX/XX/XXXX. I received NO letters, emails, nothing EXCEPT a letter stating that the box had been drilled. To this day, in speaking to the branch, in speaking to XXXX for over an hour ; in speaking to XXXX XXXX and ANOTHER rep at consumerfinance.gov, I still have not retrieved my belongings from BofA and no one has given me a real, true, concrete reason as to why the box was drilled. I know what the problem is : no one at BofA knows the reason the box was drilled ; there is only wild speculation as to what " should have happened '' and " notices would have been sent out requesting various information '' but the fact that the box was drilled, there had to have been a serious, egregious issue, to which, no one has offered one scintilla of comprehensive facts as to the reason the box was drilled. What I am advised now is to go back into the branch and request that they give me my belongings. That 's where all this confusion started.
I have sent out the bankruptcy letter to TransUnion and XXXX to remove bankruptcy off of my file they still have not I sent in in the the letter from bankruptcy and pacer that they dont verify info to any credit bureaus and I sent out sue letter still was not granted XXXX delete bankruptcy for 3 day they didnt tell me how and where they get bankruptcy verify only told me a source of there I also spoke with XXXX id number for XXXX told me on the XX/XX/XXXX they will delet public record never done it
My bank closed XXXX of my accounts, and the reason was that I said a XXXX remark to the teller. I had my granddaughter with me, who is half XXXX, and would never say anything so rude. I ca n't access my cheeks or savings accounts. I was told that I had to wait ten days and will get my money as a check in the mail. This has been very difficult on me, as have medical issues. 
Any help will be appreciated, regards XXXX
Did not know I owed this to XXXX 7 years ago until went to rent another Apt paid this bill in full to Richland holdings. They said they would remove from my credit report. They just keep resubmitting it I called them and they told me to show proof I paid this was 7 years ago and 3 moves. they told me to go ahead and dispute it was removed nad now is back. I am just wondering if they are collecting and not paying companies they are contracted with.
I am a co-signer on a Sallie Mae loan for XXXX of my children. I receive an automated call if the payment is past due, which is understandable. However, it has progressed that I am receiving an automated call on my cell phone and home phone 3-4 times per day. The calls come in succession, after my cell is called within minutes it calls my home number. The calls are answered if I'm available. I know they have voice detection because the automated message does not start to play until after I have spoken. The use of automated calling is unacceptable and a form of harassment. I have previously called and spoken with an account representative, their only concern was collecting a payment. In many cases the payment had been made on-time and not yet posted in their system.
I have been having issues with Bank of America delaying posting electronic transaction from other institution and also levying overdraft charges to my account while it is still in the positive. 

In that specific instance I had {$350.00} sent to Bank of America on Tuesday XX/XX/XXXX,  which was supposed to be received on Thursday XX/XX/XXXX but yet again was not posted until Friday XX/XX/XXXX. Meanwhile on that Friday I received an email stating that my account is overdrawn. But when I pulled my online transaction history as you may see on the attached screenshot, my account was never in the negative. 

So on Saturday XX/XX/XXXX, I called Bank of America at XXXX XXXX EST, I had to wait 11 minutes to speak to an associate who put me on hold and came back with a scripted response then when asked for his manager XXXX, which I had to hold for 40 minutes to speak with his response ( summary ) it is my responsibility to check that the funds were there. But my question is where is the bank responsibility to post received funds on time? 

Although that I dread about filing this complaint, could the bank please provide adequate response to : Why the online transaction history is not mirroring their claim of insufficient funds? 

Why do the bank have additional processing delay time for electronic funds received from other institutions? 

Why does it take 11 minutes to get to an associate, 57 minutes for the manager to be take the escalated call, and a total of 1 hour and 6 minutes for a simple transaction question call?
walden asset management is leaving voicemails threathing to file a greivence if I did n't return a phone I saved the messages XXXX were lft in 5 days
I am writing in response to a series of request from Ally Financial that I allegedly owe an outstanding invoice for an amount of {$2200.00} after I returned my leased vehicle and was granted a one-month extension by Ally. As a matter of fact my lease return was due at the end of XX/XX/2018, I had called Ally agreed to an extension of one-month documents were generated and a signed extension was sent back that should have entitled me to an additional 1000 miles and an additional 30 days. Furthermore I was never provided upon disposition of the vehicle of any receipt by your dealer at XXXX XXXX XXXX in XXXX New York that would substantiate the damage your are alleging of the excess mileage and total daily extension you are falsely claiming Lastly, I have was directed to a website which never worked to inspect all relevant report post disposition of the vehicle, kindly provide all report produced by ally, XXXX or its agents in conjunction with the return and alleged property damage. The extension contract was never applied I have sent them {$600.00} as a payment someone from their executive office reach out saying she will be handling the matter pertaining to the excess mileage and the excess leasing days and never actually followed up.
I applied for a credit card on XX/XX/XXXX and was declined. I received a email notice that the letter explaining why the card was declined was available through a secure link. After logging in to view the letter, it only brought up a letter from XX/XX/XXXX. This was the XXXX time this incident happened. I called to find out why I could not see the letter, only to be told they did not know. I was told I would receive a letter in the mail and have not received it. I applied again on XX/XX/XXXX and was declined and receive the same email again with the secure link on XXXX XXXX, only again to only show an old decline letter from XX/XX/XXXX. I verified my address and was told a letter would be mailed. I have not received any decline letters for the last XXXX attempts starting in XXXX. I would like to know why I am decline so I what I need to do to better my credit status, but Capital One refuses to send me a decline letter via mail, and the onle secure portal does not show my letter. The supervisors only tell me that they will send out the letter again. I need help. Someone please help me get the decline letters from Capital one so I can know why I am declined. The Application or Reference number to the XXXX application is XXXX. I need help.
Hi, I 'm a customer of Coinbase, a platform for cryptocurrency trade. On XXXX XXXX, XXXX I 've tried to transfer some of my bitcoins ( XXXX XXXX, to be precise ) from my 'offline vault ' registered with this company to my 'wallet ' at the same company. That transaction was n't finished due to their system problem. So, I had to cancel it and tried to make this transfer again ( the same amount, the same date, the same vault and wallet accounts XXXX. That 2nd transaction was n't successful either. So, I had to cancel it again. Then I tried to make the same transfer one last time with no success and had to cancel that last transaction as well. I had 3 attempts in total and none was successful. My bitcoins from offline vault gone and my balance is XXXX now. I never received those bitcoins in my wallet either. On the contrary, my offline vault balance is now XXXX XXXX ( or $ XXXX as on XXXX XXXX, XXXX XXXX XXXX ). 

The same day ( XXXX XXXX, XXXX ) I 've sent an email to XXXXXXXXXXXX and opened a case using company 's online support system. I got no response and tried to reach out to them again on XXXX XXXX, XXXX, and again on XXXX XXXX, XXXX, and again on XXXX XXXX, XXXX. None of these outreaches got any response from the company whatsoever. I tried reaching out to them via twitter on XXXX XXXX, XXXX with no response either. I opened additional case describing my problem again using their online support. No response. 

Now, I do n't have access to my XXXX XXXX and can not use my other cryptocurrencies ( XXXX XXXX and XXXX XXXX ) because my balance in the system is negative and it does n't allow me to use my funds.
I am long-time customer of Ditech mortgage company. Recently, XX/XX/2018, I found out that Ditech overcharged me on my escrow. They sent me notification that I'll receive a check for {$410.00} back and few days later, XX/XX/XXXX Ditech representative assured me that check was mailed. Few weeks later, no check yet so I called Ditech and they said that most likely that check was lost and they will re-issue another one which they said they did on XX/XX/2018. I called them on XX/XX/XXXX and was told that check was mailed on XX/XX/XXXX and I should receive it in 5-7 business days. Today is 10 days and still no check. During this ordeal I called Ditech on multiple occasion and diferent representative had different information. Not even once Ditech had an integrity to stand up behind their promises! I am a retired senior citizen and had been making my payments always on time and this is the worst abuse I've ever experienced as a consumer! Ditech not only overcharged me but now refusing to pay back and lying that they did while in fact they didn't!! I don't believe that all the mail is delivered ( including sensitive mail and checks ) and only checks from Ditech get lost one after another one!
I was in an accident, the other driver being at fault. His insurance accepted full responsibility, and declared my vehicle a total loss. A payment of almost {$9500.00} was made to  Wells Fargo Dealer Services, leaving rough ly {$2200.00} left on my loan. I understood that this was my responsibility to pay and called to inquire how it all works. I was led to believe that my remaining balance would be spread among the 5 yrs left on my loan, thus making my monthly payments lower. Which is the factor I took into account when obtaining a separate loan for another vehicle. I calle d Wells Fargo Dealer Services customer service when I noticed my payment due was still at {$250.00} and was then told " unfortunately '' that it is not an option. Representatives have been rude, unhelpful and impossible. From there I have been repeatedly bounced from one dep artment to another in my quest to find a resolution. I have had to finance another vehicle, with a larger APR, and my payment for the new loan is {$330.00} per month, I have stressed I can not afford {$250.00} along with my other loan payment. Had I known this would be an issue I would have explored other options. However with the incorrect information from  one  representative I am now having to fight these people to keep good on my word without going broke. I have been completely honest and willing to work wit h Wells Fargo Dealer Services, stressing that my goal is to find an option that works well for both parties but I am getting nowhere. My hope is the complaint process will at least mediate a resolution.
After several attempts of trying to legally communicate and validate a debt that Ability Recovery Services is trying to collect they are negligent and less than professional in responding to the issue. 

Ability Recover Services has reported to my credit report without validating a debt they purchased. It has come to the point that it is just harassing them avoiding the issue then dealing with the matter. 

They are using a false instrument 'contract ' which does n't contain my signature. This contract also is a contract for a period of " 2 '' months. There report to the credit bureau 's state the XXXX delinquency as of XXXX/2014. 

1. I have provided proof of payment for months including the month XXXX/2014 they claim late as report to the credit bureaus. 
2. I have fully satisfied this contracts " 2 '' months agreement and vacated premises before XXXX/XXXX/2014 with proof of payments3. Within the contract " Customer agrees to all terms listed below '' must give 10 day notice in writing before vacating ... Please provide a copy of the letter I submitted. 
4. Provide me a real document containing my signature " XXXX XXXX ' not someone else 's signature. 

I will advise you at Ability Recovery Service to run your business in a professional manner, you on going XXXX word replies and being stupid are getting rather lame to me. Please provide FACT proof to your so called collection or get it off my credit report. 

I have submitted documents with this complaint ; 1. The false instrument 'contract ' you submitted to me that does not contain my signature. 
2. Receipts of payments for the debt you 've reported to the credit bureau 's ( receipt XXXX XXXX rent ) Paid3. Copy of Credit report for the month of delinquency XXXX/2014I have validated your claims " invalid '' and have satisfied this money you so called seek with the information above. I will not submit anything with my real signature to you to avoid anymore fraudulent activity. 

My signature proof will be submitted if need be to the Attorney General with such item 's as:1. car registrations2. Checking account checks3. Deed to home purchase
BOA charges fees for their own personal gain. I had a small balance in my checking account after I went into the banking center to purchase a cashiers check with the funds I had in my checking account. The small balance was enough to leave in my account until my next payroll deposit. By the next business day I get an email from BOA stating that my account was overdrawn. I have a membership with XXXX XXXX and XXXX. Both will bill me monthly via my debit card. Both charges should have been declined via my debit card since there was not enough to cover the charges. So what BOA did was allowed both charges to go through, and they charged my account nsf fees and then they charged me extended overdrawn fees as well. I called BOA spoke to a supervisor who told me it was perfectly legal and if I did not like it I could file a complaint and I could take my business to another bank ... .when I asked for them to send me this in writing they told me that they do not have to, but if I want to I could XXXX it. She also told me that supervisors calls are not recorded. I would like to start a class action law suit ... .please assist me with who do I need to contact to do so ... ..I also want assistance in getting the fees reversed on my account. Please help me. BOA should not be allowed to treat their customers this way
I APPLIED FOR THISE CREDIT CARD AND RECIEVED A MILESTONE GOLD MASTER CARD WITH A {$300.00}. DOLLAR CREDIT LIMIT. AS SOON AS I RECIEVED IT I PAID THEIR {$75.00}. DOLLAR FEE WHICH WAS QUICKLY COLLECTED AND APPLIED TO MY ACCOUNT. I THEN WENT ON TO USE THE CARD, THEN ON THE THIRD OF XXXX I MADE A {$200.00}. PAYMENT IN ADVANCE OF THE REPORTING DATE FOR THE CARD. I RECIEVED A COFORMATION E-MAIL # XXXX THAT IS DATED ON THE XXXX OF XXXX AT XXXX XXXX PACIFIC TIME, AND STATES THAT IF THE PAYMENT IS MADE BEFORE XXXX XXXX  PACIFIC IT WOULD BE CREDITED TO MY ACCOUNT ON THE SAME DAY. THEY PURPOSELY HELD ON TO MY PAYMENT WITHOUT REPORTING THE PAYMENT UNTIL AFTER THE XXXX OF XXXX, I WAS CALLING THEM TO SEE WHY, AND I COUDNT GET AND ANSWER FROM THE XXXX TILL THE XXXX I WOULD CALL TO SEE WHY THEY WERE NOT CREDITING MY ACCOUNT, NOW I SEE WHY.THEY ALSO GO MY THE NAME OF THE XXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX.
The debt collector is XXXX, at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX. They are calling me every 3 days to collect a payment on an XXXX XXXX. The payment is for {$600.00} that was originally due to XXXX XXXX..

I have repeatedly told the caller ( s ) that I will pay them at the end of XX/XX/XXXX.

They are very aggressive on the phone, trying to push me to pay them immediately.

I have a XXXX XXXX, and these calls create a high level of stress, anxiety and XXXX XXXX XXXX. It takes me an hour to calm down.

They call on an auto dial that creates an auto dial for a local number so I do not realize that it is them, till it's too late.

I really do plan to pay them by XX/XX/XXXX. Please get them to stop harrassing me.

Thank you, XXXX XXXX
XXXX XXXX is knowingly accepting a fraudulent loan. I spoke with this company by phone within a couple weeks of my purchase ( a CPO XXXX XXXX XXXX ) concerning the amount put down on my loan application as they were the only financial institution that accepted the loan. I got suspicious of the this dealerships doings ( XXXX XXXX XXXX XXXX ) after returning to my prior dealership ( for my trade in ) and my salesman there said my debt to income ratio should not have let me be able to get the jeep as I barely qualified for the car I traded in @ XXXX. So after I got home I called the financier XXXX XXXX, and although at that time they would not send me a copy of the loan app the gentleman I spoke too ; after telling him my income the past 2 years, stated my loan application stated almost triple what I told him, and that after finding this out would review and unwind the contract. I sent them 3 pay stubs by fax which only clarified what I told them. At that time the person I was talking too at that point ( XXXX ) said they would start the unwind. Then, all of a sudden, they stopped it. I offered to send them documented XXXX 's from the IRS from XXXX and XXXX, they refused. They even went to the point of making it so I can no longer contact their office with complaints. I started this all prior to making my first payment. I will send proof of my income and will send proof of 2 other loan applications sent out that day w/o signatures. Meaning that the dealership committed the fraud prior to any signatures, and that when I did sign it, it was at the time at the end of the purchase with ALL the other paperwork shuffled through, without noticed that they bloated my income, lied about the mileage and put down the wrong employer. Even after proof of all of this XXXX XXXX now refuses to unwind a proven fraudulent loan. They stated in a rebuttal to BBB that income was not a factor in approving the loan. Since when is n't income a factor. If it was n't a factor why did I have to fax their rep 3 copies of my pay stubs after finding out about my bloated income. Any ways whether they state that or not, a fraudulent application was still submitted to 7 lenders, this should have voided any contract as soon as found out and proven. My last salesman made a good point debt/income ratio not only protects the buyer but the seller for over extending credit.
On XX/XX/XXXX, my younger brother XXXX XXXX XXXX XXXX in a car accident. The car that he was his own XXXX XXXX. The car was on a lease that I co-signed on. After the accident, the insurances that were involved paid off the balance of the car except for the deductible. We together signed the lease in XX/XX/XXXX in XXXX TX. In XX/XX/XXXX had moved away to XXXX. After the accident, Honda did not update my address to the XXXX address and was still sending letters to XXXX. Hey knew my new address because they were calling me non-stop at first when they were trying to collect on the insurance money and I had told them that I had moved to XXXX and gave them my new address. After Honda got most of the money owed to them from the insurance companies involved in the accident, they sent a delinquency letter my old XXXX address asking for the deductible that was still owed to them. Of course I never received that letter since I had moved away from XXXX. Then after some time, they sent my account to a collections agency by the name of XXXX XXXX XXXX. On XXXX XXXX of XXXX, the collections agency reached out to and asked me to pay the balance of {$270.00} and offered to settle for {$160.00}. On XX/XX/XXXX I paid the settled amount with the understanding that this would be taken off my credit report. Please see the collection letter and well as the resolution letter attached below. Also please see XXXX report snapshot below showing I do n't have anything due in the collections portion of the credit report. But even after I have paid and settled with XXXX XXXX XXXX, XXXX XXXX XXXX chooses to report my account as charged off and failed to pay after the settlement that. Please also see my credit card statement attached showing the settlement payment being drafted on XX/XX/XXXX from my XXXX XXXX account. When I went to my bank and applied for a business line of credit I found out my credit score had taken a hit. Then when I looked on my credit report I found out Honda had reported my account as charged off even after they I paid and settled as best I could and they knew where I lived, When I called XXXX XXXX XXXX they told me that I still owe approximately {$110.00} dollars to be settled in full with them. This was news to me because no one including XXXX XXXX XXXX told me I still owed any money. Instead, they told me everything was taken care of. I am willing to pay the {$110.00} but XXXX XXXX XXXX said that even if I pay that amount, the charge-off status will remain on my account for historical purposes. So even under such tragic circumstances and for such a small amount when clearly they sent letters to the wrong address after knowing my current address, XXXX XXXX XXXX is unwilling to take the charge-off status off my credit report. And that is why today on XX/XX/XXXX I would like to file a dispute against them.