WillisBack/dataset-financial-user-claim huggingface dataset:
I was out of school for XX/XX/2015, and before my grace period was over I signed up for a class in summer. I was under the impression that XXXX 3 hour class in the summer would mean, I am a half time student. Turns out It was n't and I am wrong, however, I contacted " Fedloan Servicing '' and explained the situation to them ( This is after I was reported late for my payments ). They agreed to put me on a forbearance, and I started paying my monthly payments. After that, I tried my hardest, to contact them about removing the late payments that they have reported and every time they tell me a different thing, I disputed the late payments 3 times, sent the credit bureaus copies of the forbearance letter, but I made no progress in getting those late payments removed from my credit report. My credit score is horrible right now, I had XXXX different loans, and each loan was reported late twice, so I have 10 missed payments. I 'm on the verge of losing my job if I do n't relocate, every apartment complex that I contact wants to run a credit check and I tell them to stop ( what a shame! ). Thanks U.S. Department of Education for helping financially during the hard times, but seriously you are XXXX exactly XXXX times as much as you helped me, and frankly your making my life worse than when I was just student with no income.
In XX/XX/XXXXI received a Loan from XXXX XXXX for a XXXX XXXX XXXX. I made very payment on time until XX/XX/XXXX when I was T-boned by a driver who ran a red light, speeding, and under the influence and totaled the car. When the accident happened I knew that the car was totaled and my payment was due that day, so I did n't make the payment. During the process with Insurance company my self and the Insurance company spoke with XXXX to ask for the Pay off balance. They gave the Insurance company a figure, and they paid it. I called several times and spoke with XXXX because I had GAP insurance, they were contacting XXXX but XXXX did not contact them back. The GAP Insurance paid and it left be with an unpaid balance of XXXX. I called and asked how does this happen? the point of Gap is to now owe. They told me because when I purchased the car I moved my payment date from the date of the loan to 10 days later into the month. I explained to them that when their rep. called me to welcome me he asked if I wanted a different payment date and I said yes and we moved it. No one told me that interest would accrue for those 10 days. I also told them had I know I would owe the XXXX I would have had it put into my new auto loan. But the figures that were given to the Insurance company and the Gap Insurnace company paid the balance off this was not covered by Gap because it was considered not making a payment on time. 
I spoke with a rep in XX/XX/XXXX and explained that It was difficult for me to make that payment of XXXX a month and my XXXX a month car payment. She said it was low enough to have a supervisor look at it to close the account and XXXX would just write it off. I went a month with out hearing from anyone and called back in XX/XX/XXXX and I was told that the rep did n't know what she was talking about and they can not write that off and that my payment was due. I advised them I could n't make the payment and they told me they would repo the car. I told them good luck it was totaled sitting in a Junk Yard somewhere. 
I have written them and called them and asked them repeatedly to update my credit report, they sit and how delinquent after I paid them off in XX/XX/XXXX. The account was current when I paid the balance. They refuse to allow me to speak with their client services department, I am spoken to rudely every time I call. They scammed me and I hope that no one else deals with this.
Several years ago I applied for and received a credit card from BB & T for emergencies and personal purchases. In XXXX after reviewing a statement I noticed that a charge called " special purchases '' was being billed for approximately {$400.00} monthly. I am unsure how long this charge has been part of my billing cycles but after several attempts to gain answers from BB & T I have received no answer concerning what this charge consist of. I have spoken several times with branch representatives but each continue to say that there is no longer any record to give an indication of what the charge is. They expressed that they do not keep records past seven years. I requested statements for the last seven years and still have not received them. While paying the balance no payment was allocated to the " special purchase '' and it continued to accrue interest like the main balance was doing. In XXXX the charge was dropped but BB & T continued to request payment for the the previous years. I have continued to attempt to get answers concerning the issue from BB & T but they continue to have no answers for me. I believe that by the charge being left on the bill I have continued to overpay for my real purchases.
I called in a week or two ago and cancelled a membership with Experian. They accepted the cancellation but have continue to bill me since.

I have called the Consumer Dept and get a call center I can't understand. I have called two corporate numbers but they either put me on hold and never answer or they send me back to the same consumer number.

Experian makes it extremely easy to sign up and XXXX to cancel.
There is a {$70.00} overcharge that I am disputing. It derives from TD Bank 's having charged me {$35.00} per debit when a debit induces a negative balance. 

I did overdraw the account on XXXX XXXX. I accept XXXX {$35.00} overdraft fee as appropriate. 
Debits are reconciled daily. There were XXXX debits on XXXX XXXX, and they were made in order of highest to lowest. In so doing, they were done so as to have XXXX of the XXXX debits made against a negative balance, so as to induce XXXX overdraft fees. If the biggest one was the last XXXX, then there would have been only XXXX debit against a negative balance therefore only XXXX overdraft fee. 

Therefore, I have been overcharged {$70.00} because XXXX of the XXXX overdraft fees were preventable by TD Bank. 

The likelihood that XXXX transactions would be, if their order was chosen at random, ordered from highest to lowest is XXXX in XXXX. XXXX use the protocol that if an event is less than XXXX likely by chance, then the event can not be considered a chance event. Therefore, I am inferring that the ordering to maximize the overdraft fees is deliberate. If similar complaints have been received against TD bank, then proof of intent will be stronger than can be inferred from this complaint alone.
Will not stop harassing me I started getting harassed by RS Clark And Associates before I even received a bill from XXXX XXXX. I called the doctor 's office and asked for an ITEMIZED bill several times, and they would n't comply. I told RS Clark that I DO NOT engage with or deal with collection agencies, and to not EVER contact me again! Since then, they have contacted my by telephone THREE times, and by mail ONE more time. This is harassment! I finally received what I was asking from XXXX XXXX 's office, and will be dealing directly with him. Once again, by law, when you tell a collection agency to stop contacting you, they must comply.
i believe this company is practicing unfair billing practices because every month I 'm paying my bill on time and my payment is purposely getting lost. I need them to remove the late remarks from my credit that were all due to their mistake.My credit worthiness is very important and defaming my character creates a misrepresentation of who I am in the eyes of lenders.
I originally received notice of the debt in XX/XX/XXXX. I contacted them and told them that I felt it was a mistake and I would be contacting the original debtor. The debtor advised there was a mistake with my insurance information and they would contact the collector to close the case. I received a call on XX/XX/XXXX advising I still owed money. They refused to send me anything in writing showing the debt as still valid or giving me a chance to dispute the debt. I asked to speak to a supervisor and they refused. The caller became belligerent and told me she did n't have to provide anything further to me. When I refused to set up a payment schedule with her ( because I wanted to speak to the original debtor and my insurance company ), she hung up on me.
I mailed out a dispute on XX/XX/2018 via certified mail to LexisNexis disputing a bankruptcy that LexisNexis is reporting. I received a letter back from LexisNexis dated XX/XX/2018 stating that they verified the bankruptcy and that it was reporting accurately on my LexisNexis report. I then mailed out a second certified letter to LexisNexis on XX/XX/2018 requesting the method of verification that was used in order to verify the bankruptcy from the letter I received back from LexisNexis on XX/XX/2018. I then received a reply from LexisNexis dated XX/XX/2018 stating that LexisNexis is unable to determine exactly what I am disputing. So now LexisNexis has failed to address my dispute in my second certified letter sent on XX/XX/2018. According to the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) this record must be removed. LexisNexis clearly understood my initial dispute but once they received my second letter requesting their Method of Verification, then they " are unable to determine '' what is being disputed. Either LexisNexis follows the law or, the item is to be deleted from the report because " It is a common maxim that 'ignorance of the law will not excuse any person, either civilly or criminally.? XXXX v. United States, 7 Pet. 404, 411.
I was suggested this card from my dental care. As per their suggestion, I applied and was charger for my service. I was making payments in time for past one and half years. For last three months, I dint receive any statement. I was contacted by their reps and informed that i was running behind my payments. I informed that, I will make a payment after I receive the statement. After two days I received the statement and was charged XXXX interest of XXXX balance. I offered them to pay all my remaining balance which is XXXX but informed that I am not making interest which sounds ridiculously high. And I do n't think it was my fault since I dint receive any statement for past 3 months. It looks to me that they intentionally dint send the statement so that they can force me to pay unjustifiable interest. I am ready to make a full payment but wo n't pay the interest. At this point I feel like they are palying fawl game. Please suggest us something that will help, I do n't wan to owe them money but still do n't want pay fowl interest which was introduced later on.
Experian claim they verified this Accounts below XXXX XXXX XXXX Acc # XXXX, Open date XX/XX/18 {$4000.00} and says in belongs to me!. WHICH i have asked them in 6 disputes to provide me with proof of contract with my signed name on it that verified, To give them the right to report this information. Which they fail to provide six tines. I ask Experian to remove this account due undocumented proof.
I keep receiving calls from AMCOL Systems in XXXX South Carolina on my phone. This company leaves no messages and has NEVER sent a letter regarding what they claim is owed. I have no clue what they want and I am not calling them back to inquire as to why they are calling as I have no business with this company.
There are 2 issues with this debt and PDQ Company 's collection efforts. PDQ 's response does not address the issue of the initial date of collection which should be the date listed on the credit report. PDQ sent a letter of collection on XXXX XXXX, XXXX. This is written and documented on their letterhead whereby they reference this exact date. PDQ is not following the federal fair debt collection laws. PDQ is showing the date of initial collection as XXXX XXXX. This is completely inaccurate and unfair collection and reporting. PDQ 's initial letter was dated XXXX XXXX. Again, PDG is violating fair collection practices by reporting an inaccurate date. By doing this, PDQ is allowing almost 2 additional years of reporting as a collection account on my credit report. PDQ has not addressed this in any of its previous responses. Again, the proof, which is the actual letter written by PDQ, is attached to this email. The collection letter sent by PDQ which states the initial contact was XXXX XXXX. This means the debt should be removed from the credit report sooner. I do not confirm this debt. I do not want PDQ to list the debt as disputed. This is not the answer I am seeking. This debt is beyond the statute of limitations. I seek resolution where PDQ corrects the date of initial collection so that my credit report is accurate. PDQ is using unfair and inaccurate reporting tactics to allow for additional and illegal time to collect. I will file another separate complaint against PDQ since the Company can not address both issues simultaneously.
Reference CFPB XXXX I and a friend owned a rental property in South Carolina. Because of various hardships ( I can provide the letter ) we short sold the property. Seterus delayed the acceptance of the original offer on XX/XX/2013 for 6 months. During that time they started the foreclosure process, so it shows up on our credit report. On XX/XX/2013 they closed escrow with the person who made the original offer. 
XX/XX/2013 Contract for Sale signed by sellers XX/XX/2013 1st Settlement agreement XX/XX/2013 Foreclosure documents submitted in SC Court of Common Pleas docket XXXX XX/XX/2013 2nd settlement agreement signed by sellers XX/XX/2013 Close of escrow
To whom this may concern, I signed up for an M & T Bank Checking account on XX/XX/XXXX with the promotion code XXXX, which stated in the mailer that I would receive a promotional {$200.00} Bonus upon a direct deposit of {$100.00} to my checking account by XX/XX/XXXX.
I have met the terms of the offer by making the direct deposits to my account. However, I have not received the {$200.00} bonus as advertised.
I reached out to M & T bank on XX/XX/XXXX in regard to the {$200.00} not posting to my account. I received an e-mail back from XXXX from M & T Customer Service stating that I am not eligible for the offer since M & T Bank claims that my name was not included in this offer.
This is unacceptable. No where in the terms of the signup offer does it say that I would not be included. I switched banks from XXXX XXXX to M & T for this promotion and M & T is not holding up their end of the agreement.
Chase credit cart promoted zero balance transfer fees for 60 days from the date our credit card account is opened, but did not disclose the actual date that the account was opened. As a result, Chase charged balance transfer fees when we believed we were within the 60-day promotional period. Letters sent to us specified an account activation date of XXXX/XXXX/2015 and Chase claims an earlier date was used as the account opening date. We contacted Chase to resolve this problem but they refused and argued that they considered the balance transfer fees valid. We consider this information to be a deceptive business practice ; there is no written disclosure provided to us, either on paper or via online processing, which specifies the actual account opening date so that consumers like us can calculate the actual time remaining on Chase 's advertised promotional period.
On XXXX XXXX, 2015 I made an electronic check payable to XXXX XXXX XXXX of XXXX for {$52.00}. The check was found to never have reached them and it was discovered through Suntrust the charge was not authorized. ( See attachment Proof of fraudulent check ). 
Then Suntrust proceeded to credit and debit me the {$52.00} which had no effect to me receiving a refund and charged me a return item fee of {$12.00} on top of that ( see attachment return item fee showing my checking activity. 
I had to pay XXXX XXXX XXXX the {$52.00} last month since they never received payment so altogether I 'm out {$62.00} for a fraudulent check that Suntrust admits was not authorized. When I called their Dept of Fraud Prevention and Claims Escalation at XXXX they said the case is closed on their end and offered no remediation of the funds and the return fee. I can be reached to discuss this further at XXXX Sincerely XXXX XXXX
My name is XXXX XXXX. I currently have a mortgage with Bank of America. At one time the loan was in foreclosure but has since been made current. I am currently being billed approximately {$1400.00} dollars for which Bank of America describes as a Sheriffs fee. The gentleman at Bank of America informed me I would need to speak to the law office in charge of my foreclosure. I called the law office and spoke to XXXX XXXX who informed me that her office had not billed Bank of America for any services on my behalf. I called Bank of America again and was told there was nothing else to be done- I need to pay the past due amount. The sheriff was never dispatched to my home. Its also of interest to note that my past due amount was completely paid on XX/XX/2018 and the supposed date of this bill is XX/XX/2018.
I put a security freeze on my Equifax account yesterday, due to the data breach. They charged me {$10.00}, and tried to get me to sign up for their protection program ( where I would lose class action status. ). I told them I only wanted the ability to freeze my credit for free. I spoke to two different managers ( including a XXXX. XXXX  who refused to provide a first name and phone number. ). No one would help - they forced me to pay {$10.00} for something they should be offering for free. Profits before protection, apparently ....
XXXX XXXX XXXX used my bank account information to make an unauthorized withdrawal. I made a payment on my account on XX/XX/XXXX and the next payment was due on XX/XX/XXXX. Without my consent, Ally authorized an additional ACH withdrawal from my bank on XX/XX/XXXX. When I called to inform them of the unauthorized transaction, their only response was that they would apply it to my payment due on XX/XX/XXXX. This action caused my bank account to be overdrawn and they refuse to refund my money.
I had a credit card debt with bank of America, this debt was written off on XXXX/XXXX/2009, somehow a XXXX Ohio got the debt, they took me to court and got a judgement even though I sent all paperwork back, including a copy of my ssXXXX, now they send a XXXX XXXX police officer to my home threatening to sell items from my home, my bank account, car. claiming I owe XXXX which is mainly court cost and paperwork, interest, how can there be interest on a debt that was written off 7 years ago per bank of America .harassment from this law firm has gone on now 4 years.
I asked to validate the debt. they sent documentation showing that the account was old. Im not sure of the account because I do not owe any attorneys any money, Definitely do not owe {$2000.00}! I would remember that. 

Now columbia collectors illegally reaged the debt to 2014 and negatively impacted my financial decisions. I never made a payment plan or discussed any payment options over the phone. I only asked for validation over the phone. The debt is unrecognizable to me and I believe to be error. nevertheless they reaged the debt, and its on my XXXX and XXXX reports
I applied for a private student loan through Sallie Mae. I checked out my credit score prior and I am even working with XXXX to make sure my credit is up to date and good. My credit score is good which is XXXX. They did not approve me for a private loan for my XXXX which would mean that I would eventually be making XXXX starting out after getting my degree. I am now making roughly XXXX. I think they discriminated against me because I am a single parent, minority and my age which is XXXX.
I wrote to XXXX XXXX of Stuart Lippman Associates of XXXX on XXXX XXXX, XXXX to protest the extortive demands of their client, XXXX XXXX XXXX or XXXX : Under the provisions of Massachusetts General Laws, Chapter 93A, Section 9, The Consumer Protection Act, I am writing to request relief as outlined in that statute. 
On or about XXXX XXXX, XXXX, the following unfair or deceptive act ( s ) or practice ( s ) occurred : Your debt collection entity called Stuart-Lippman and Associates , Inc. ( SLA ) purchased an unsubstantiated debt file from XXXX XXXX XXXX XXXX with the intent of making a modest profit on fabricated claims. To clarify : my brief and indirect connection to XXXX XXXX ended when the group leader left after less than a year and disbanded our team. I left XXXX shortly afterwards and I have had no further communications them. The bill of attainder that SLA forwarded is pure fabrication. I never had an office at XXXX XXXX, never used the telephone, never had a voicemail box ; I didnt use the XXXX, or the fax. I paid for my own health insurance and my registrations/licenses, so I am not only puzzled but annoyed that I am being charged for alleged services that I never received and then hounded by your extortionist claims. The form letter that your entity, SLA, sent to me refers to a commercial debt and warns that you will pierce the corporate veil of my non-existent company. Clearly, your entity has confused me with someone else. There is no company, no corporate veil, and no debt. 
I can depose the former team leader of our small group to confirm that we met no more than XXXX times in XXXX. We explicitly chose to not rent overpriced and unused space there ; we all used home offices. It is remarkable how barren the support from that firm was to assist our team in business development. In addition to the total absence of office amenities, there was no marketing support, no lead lists generated, no outbound calling, and no clerical support. 
I believe that your practices are declared unlawful by Section 2 of Chapter 93A, which declares unfair methods of competition and unfair or deceptive acts or practices in the conduct of any trade or commerce unlawful. I hold you and your entity accountable for threatening me with legal action, with damaging my credit, and with regulatory action. 

Given the nature of my work, your entitys threat to damage my credit and to lodge a regulatory complaint that is based on blatant lies undermines my ability to pursue my professional career in financial advising. 

This letter serves as my request for the following relief : XXXX. Under the provisions of Section 9 Chapter 93A, I am providing you with the opportunity to make a written offer of settlement of this claim within 30 days. If you fail to make a good faith offer of settlement in response to this request, and I institute legal action, a court may award me double or triple damages, attorneys fees and costs if the court finds in my favor.
I was applied this Merrill + Visa Signature Credit Card card on XX/XX/XXXX, I was received a notification says the card has been approved, and received the card within the following week, I activated this card on XX/XX/XXXX, and started to using it on purchases.
Last week friday XX/XX/XXXX, someone called me and said my card has been abruptly canceled due to their error, I do n't know how they can cancel a card which has been activated, signatured and used then unilateral canceled without further consult with me. 

There is no any reimbursement or replacement about cancelling this card and they even mailed me more of this card user agreements. 

I really want this card, but due to lack of transparency and reasoning, I need a further investigation about this.