WillisBack/dataset-financial-user-claim huggingface dataset:
My debit card was lost/stolen and many unauthorized transactions appeared on my account. I disputed these charges and they were denied. I called Suntrust and they said they were denied because of inconsistencies. The only possible inconsistency was the date I lost the card. I said it was XXXX XXXX, XXXX because that was the date they had for a transaction at XXXX for {$53.00}. This was the last I used the card. It turns out that was the posting date, not the transaction date of XXXX XXXX, XXXX. So when I faxed the affidavit to them I put XXXX XXXX, XXXX as the last time I had my card. That is the only inconsistency and it can be explained. Ive been waiting over two weeks now for my stolen money to be returned. Also, theyve charged me two overdraft fees as a result of this fraud. The can look up the claims with claim numbers XXXX and XXXX. There are about {$2800.00} in fraudulent transactions. Im not going to lie down and let them help these crooks take my money.
I lost my job early last year XX/XX/2016 because I was in and out of the hospital because of XXXX, getting XXXX, and battling my XXXX. I called Navient because I had troubles making payments. The Representative told me he put my account in a non collectible status and to call back when I could make payments. Never once did I receive a letter, but month 3 of not making payments I got a call saying that my account was in collections. My credit score took a very bad hit. I told the manager on the phone that I want a record of the first call and she said I had to get a subpoena. I want that collection to be removed from my credit score because I was following their instructions.
I opened a Macys credit card last fall, made some purchases and never received a bill. I called and they made a XXXX time credit to my account for the late fee and finance charge and I paid the balance in full. I again purchased an item over the holidays with the card and did not receive a bill. To prevent fees my wife called the week before the billing period and paid using the automated phone service. Macys stated the call never happened and again charged me for late fee and finance charges. We looked through bank statements and could not find the payment so this was indeed puzzling. I reviewed my phone records and did find proof of the call so I called Macys back and they did admit a call did occur. The call was 8 minutes in length but an error occurred. I asked for the specific error and they would not share details of the error with me and insisted I pay the now near XXXX dollars in late fees. Mind you all fees at this point are charges from finance charges and late fees. I work in XXXX for XXXX XXXX and have supported dozens of Voice Recognition systems and very familiar with what information is available so why they refuse to share is a problem with me. Every button you select, the time between buttons, the errors encountered. It is a legal record that must be maintained for seven years. I have been billed to date well over XXXX dollars in fees on nothing but fees. No late charges were actually in affect for products purchased. They called me more than a dozen times to get me to pay the XXXX in fees I felt I did not owe. I tried on several occasions to get this resolved and most often they would put me on hold and the disconnect after 10 minutes or so. When I tried to understand why I was not getting statements it was discovered they had the wrong billing city listed. After several calls daily from Macys collections I tried to get this resolved but finally buckled and was forced to pay almost XXXX dollars in fees on a finance charge. I paid the charges and closed the account. This occurred last month and since my address has been corrected I received a billing statement this week. The process has started all over with a {$2.00} fee being charged. If I do not pay this {$2.00} I will get yet another {$37.00} late fee. I 'm not sure what type of scheme they are running but to date the card has cost me over {$100.00} in so called Fees. They add {$2.00} monthly and if you do n't pay it turns to {$37.00} a month over and over and over. How can this be a legal practice? What is the mysterious {$2.00} fee that rolls into a {$37.00} late charge? Is this practice legal? How can I get my {$96.00} that I paid to protect my credit? A service fee that turns to a late charge compounding into a late charge due to a bad address? I closed my account but am still getting Fees. How can I get off of the cycle here? HELP
The debt collector agreed to have items removed in XX/XX/2015 and they have not been removed. I am attaching the letters requesting removal from the collection agency
BANK OF AMERICA HIRED XXXX TO SKIP TRACE ME AND FAMILY MEMEBERS TO LOCATE ESTRANGED BROTHER AND SISTER -IN-LAW, WHILE VIOLATING OUR PRIVACY AND HARASSMENT VIA PHONE, ( SEE ATTACHED INFO ) ALL ARE IN VIOLATION OF FDCPA AND TCPA.
Bank of America is not correctly allocating payments on their credit cards that offer multiple promotions on one single credit card. BofA does not show on the statements the minimum balance due for each of the multiple " balances '' on a single credit card : E.G. On my one credit card, there is a " Purchases Balance '' and a " Balance Transfer Balance '' and a " Direct Deposit Balance ''. Instead BofA shows just One minimum balance due. This is Not transparency. When I make a payment on the card, I pay above and beyond the " one minimum balance due amount shown ''. The excess payment is supposed to be allocated to the three balances in a certain order, but it is not clear from the statements how that is happening and it appears that it is inaccurate. When I spoke to a manager at BofA about it, she said multiple people complain about this all the time to her. She said the statements show " average daily balances '' so it is not possible for me to reconcile my account on my own. I have to " trust '' BofAs math. She told me the min balance due does not actually pay off all minimum balance due on the 3 balances, but instead gets applies to one of the promotional balances. When I did the math, it did not add up that indeed even that one promotional balance was receiving the " min amount due '' which is when she explained that was due to average daily balances being shown on the statements. So the balances shown on my statement are not in fact the balances at the end of the period, but " average daily balances ''. How can I reconcile my accounts if I do n't have accurate numbers? One customer rep told me none of the excess payment was going to purchases. The manager told me that the excess payment is going to purchases. I spent about 2 hours on the phone talking to multiple reps. I can not get a straight story and I can not reconcile my accounts. It appears my payments are not being properly allocated and the statements I receive make it impossible for me to reconcile. And Bof A knows that. The manager told me that there was nothing she could do, that is just the way it is. The fact that the " min amount due '' payment is not in fact paying my purchases down, means BofA has come up with a method to make as much money off me as possible with as little transparency as possible, and with no way for me to actually check for myself how the payments are being made. I do not Trust Bank of America 's calculations and there is no way for me to check them. This is predatory and exploitative.
I rent an apartment in XXXX ( XX/XX/XXXX ) property in XXXX XXXX New Jersey, for security deposit I bought a {$1000.00} ( XXXX XXXX dollar ) bond to cover any damage or repairs to the property. After I left and return my keys, I received a bill of {$230.00} for steam clean the carpet and some garbage I left in the garbage bin. In an email form the property manager stating that the money will be taking from the bond and I will not get any money back from the ( {$1000.00} bond ) Recently I been getting letters and threatening phone calls from ( National Credit Systems Inc. XXXX XXXX XXXX XXXX GA XXXX ) from a person called XXXX XXXX Tel : XXXX last one dated XX/XX/XXXX claiming that she will report me to all three credit bureau and will ruin my credit I have sent several letters to Miss XXXX with attachment emails from the property manager informing me that the {$230.00} will be taken from the {$1000.00} bond All my letters and correspondents fell on deaf ears, I even sent a letter to Georgia Attorney General to complain about this collection Agency tactics and they told me to contact the FTC
XX/XX/XXXX or XX/XX/2016 we contacted Churchill Mortgage ( recommended by XXXX XXXX ) and asked about a refi of our house while rates were down. We explained upfront that we had a prior Ch. XXXX Bankruptcy that was over 2 years discharged and included a property that was surrendered and foreclosed. They said that was not an issue and that they could handle the loan. We proceeded to spend 2.5 months trying to get a rate lock and confirmation from them ; I have attached SOME of the very many, many emails. First they tried to force us to sign an application ( filled out by them ) that had incorrect information including my incorrect name, job, loans- I refused to sign a false document even though they pressed me to and said it did n't matter. Finally they agreed to let me fix the errors. Then they repeatedly asked for documents which we sent multiple times via multiple avenues ( email ; fax ) ; they kept losing them, kept requesting them ; finally they said they could get them in-house ; then they said they could not. We were told so many times that they had everything only to come back needing some document we had already sent. They dragged this on for so long that rates have gone up and now they simply wo n't communicate with us at all. We want a refund of the approximately XXXX $ they charged us for a credit check and they should, in our opinion, pay us some kind of damages for leading us down a path when we now can not get the 3.65 % ( approx ) rate that they said we would get when this started! What kind of damages is that if they wo n't close the loan at the original rate told to us?? Furthermore, they do n't even know the XXXX loan laws! They have known for months that the ( old ) property at issue was part of a BK surrender/foreclosure- but they ca n't seem to read BK documents, Orders, discharges, and deeds to see what happened and are NOW, 2.5 months LATER telling us it appears we have to wait 7 years post foreclosure? No, that is not the law! These people are incredibly disorganized, poor communicators, if not outright fraudsters. We have lost months of finding a lower rate loan due to their continued promises that all was well. Now they have simply shut down communicating. We want this closed at the original rate told! Please see attached emails which are a small portion of many.
Analyzed credit report onXX/XX/XXXX and noticed that an unknown collector, XXXX XXXX XXXX XXXX XXXX had a derogatory tradeline posted on my report in the amount of {$1200.00}. In XX/XX/XXXX, requested validation of the debt and copy of the active bond required by the state of Texas under the XXXX XXXX XXXX. Unfortuately, I did not receive this information. After reviewing the database from the Texas Secretary of State Office, it appears that XXXX. XXXX XXXX XXXX are in violation of the Bond Requirement stipulated under Section 392.101. It states that XXXX a ) A third-party debt collector or credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bon must be filed with the secretary of state. ( b ) The bond must be in favor of : ( 1 ) any person who is damaged by a violation of this chapter ; and ( 2 ) this state for the benefit of any person who is damaged by a violation of this chapter. ( c ) The bond must be in the amount of {$10000.00}. XXXX XXXX XXXX XXXX XXXX has not had an ACTIVE bond in this state for quite some time and illegally trying to collect on a debt that has not been validated. According to Texas Finance Code Sec 392.101 ( b ) ( 1 ) ( 2 ), I have been greatly damaged financially by the reporting of this alleged debt that this organization can not collect legally. The bureau is not in compliance with XXXX XXXX since XXXX XXXX XXXX XXXX was not legally able to collect on the alleged debt, in fact, to even report it to the bureau. I request that this tradeline be removed from my credit report since it is illegally posted and damaging my credit standing.
Money from my Chase checking account was fraudulently withdrawn twice while I had my card with me. My card was not stolen or lent to anyone. When these withdrawals occurred, I had my card with me and I was not near the area where these withdrawals occurred. I reported this to Chase, they opened an investigation and determined that the withdrawals were not incorrect and reversed the credits that were given to me to make up for the money that was stolen. I was told that I would have to provide proof that I did not make these withdrawals and said that video proof would not suffice. I spoke to a representative who said that there was nothing that I could show Chase that would demonstrate that it was fraud. I am completely stuck. 

The second time I called to ask why the investigation would be closed and the credit withdrawn, I was told that they would open the investigation again and was given no further information. A day later, I saw that the credits were taken from my account, so I called. I was told that the second investigation was closed within a day because I had failed to provide any proof that would show that it was fraud, but I was not told that I had to submit proof or given any information on where to send this proof. I don't understand why it was closed after a day when it is nowhere near enough time to even think about what exactly I can to begin to gather proof and the only proof that I could show, video from the ATM, I was told would not be enough because Chase would deny the claim and state that I had lent my card to someone. I was not given advice or tips on how to prevent this or what exactly I could do to demonstrate that I did not approve or went to the ATM to withdraw this money.
CFPB 's choices do not allow me to select an accurate description of my problem. 

After XXXX  's security breach, I placed Security/Credit freezes with all 3 credit bureaus. 

No problems with XXXX, which was done online. However, Experian and XXXX both told me that " there were problems '' and that I could not continue ( I have copies of the exact wording if you need them ). They said I needed to mail them information. Neither told me what was wrong. 

So then I called them. Try to find a phone number! They 've done a great job at making it as difficult as possible to get their phone number, but I did wind up getting numbers. 

I was able to place my credit freeze using the phone and their automated systems. At least they told me I had successfully placed a freeze on my account and that they will mail me a confirmation. 

XXXX did not charge me - it never came up in the automated phone prompts. Maybe because of the mess they created? XXXX unexpectedly and very rapidly told me my 10-digit PIN which they generated and a confirmation number. I recorded both calls ( Experian and XXXX ) and XXXX did give an option to replay the long msg, but poor design. 

In XX/XX/XXXX I had a dispute with XXXX as they did not have my correct current address, which changed in XX/XX/XXXX. My driver 's license, mailing address, voter registration and even library card all had my current address, but not XXXX! They even had my mortgage of the house at the address where I was living but apparently did n't think I lived there. 

Summary of my complaints : 1. When they can not process your information, they do not tell you why ( sure, they may purposely want to keep it vague, but I 'm requesting a Freeze, not opening a new acct ). Here is Experian 's exact wording " We were unable to honor your request to place a security freeze on your personal credit report based on the information you entered. '' 2. Wonder why the online method failed, but automated phone system worked. 

3. No phone numbers are given in their ' can not process ' message. 

4. Finding the correct phone number is difficult. Experian 's IL number ( listed on the site as XXXX ) rang once and disconnected, so I tried their CA number which said they were closed but then gave me the XXXX number which I was able to use. 

5. Credit bureaus must face stiffer penalties for poor data quality. They have too much power and are not responsive. If any fraudulent accounts were opened during the time a credit/security freeze was attempted and the time it actually happened, which could be a long time if someone used US Mail, they need to be held liable for all expenses incurred by the victim.
I just recently completed an background check for new employment, The background came back, and I saw both a Name and address that I isnt mine ; and an address date that is incorrect. I did the background check on XX/XX/2018. 
Can someone please help me with this situation.XXXX XXXX is the company that I did the background check for in order to gain employment.
XXXX, XXXX XXXX XXXX refuses to remove a medical debt for an urgent care bill that I disputed based on the following : 1. The debt was for an urgent care facility in XXXX, Arizona, a town I have never visited. XXXX XXXX XXXX XXXX XXXX 2. The debt was for services that were not in any way related to me for a date in XX/XX/XXXX. I wrote and disputed the charge in XX/XX/XXXX.

3. in looking online with search engines, there are a number of consumer reviews that fraudulent bills come out of that location and XXXX  tries to extort money to settle these claims. 
3. The XXXX account person refused to remove the debt, despite proof that the debt was not mine, without a POLICE REPORT. The local police are not going to waste their time with a police report for a debt in Arizona for {$250.00}. This was meant to be a barrier to me and make me pay the money.
I requested Fox Collection Agency to provide me with proper validation of debt from the original creditor, not them, the debt collector. They refused to provide me verification of the validity of the alleged debt, they only provided me " verification '' of my name and amount of an alleged debt, on a Fox Collection Agency Invoice. I personally feel what they have provided me is improper documentation posing as debt validation. This is not sufficient for debt validation. They refused to provide any identifying documentation of the original account, no statements from the original creditor, payment history from the original creditor, etc. I then reached out thru email to Fox Collection Agency in regards to what they sent me, and I had requested more information trying to figure out the original creditor information, the alleged amount, in order to compare to my health insurance/ copayment records, and no response ; I wanted again proper validation from the original creditor, not them the debt collector. Fox Collection Agency never responded to me, and in XXXX added the debt to my consumer credit report. Debt collectors must provide proof you owe the debt to the original creditor, not to them. They did not provide that to me as I requested. 
It 's not a matter of not satisfying a debt, it 's a matter of the allege debt being correct, giving me, the consumer the documentation, so I can verify what to do. Especially since this is a Medical Collection, I needed all of the documentation to compare/ and verify with personal/ health insurance records.. It did n't match my health records on date of service, amount billed to insurance, or copayments, etc. 
I believe that Fox Collection Agency should be investigated for their corrupt practices. I told them in email, that I would satisfy any debt that is verified as mine, I had no problem with that. I have a problem with them refusing to provide verification of the original debt amount. They refused and added a derogatory item on my consumer report.
I have repeatedly disputed incorrect payment history on my account. It keeps reading every month and has been charged off since XX/XX/2014. Somehow they keep saying that I am making payment and then going in to collection in an effort to renew the debt and keep my score low. They refuse to remove the incorrect information.
I have been receiving a continuous stream of calls from collection agencies for a debt incurred by someone with same first and last name as mine, but not the same middle initial. I have repeatedly told these agencies that I am not the person in question, I am not related to this person, and I do not know him.
I deposited a check in my savings account which HSBC claims they send back to drawer the check was never sent back andbI want a copy of the return check company states in last complaint it was enclised which it wasnt i need proof to proceed in legal actions. Please provide me a compy of return check that was processed on my savings account.
I had extremely filed extra charging complaint against Bank of America, so I do not appreciated that I had lost money cause of erosion funds what I used expenses.  I do not happy with Bank of America,  Bank of America made me lot of lost money XXXX that why they never refund money to XXXX so they are not honest as I am not interest in female staff handles this case.   

Bank of America used lot of denial my credit card application as they do not like me with my appearances, that I had been notified to Speaker XXXX completion..
XXXX XXXX and Trans Union are not responding to any of my many requests to investigate, verify and remove accounts from my credit reports/files that were opened fraudulently.
Equifax has not request supporting information to support their reason for keeping wrongful information on my credit report. I was told by a rep over the phone that what happens is they contact the creditor and whatever that creditor says is what they report! That does not sound like a investigation. Where is the proof? Then when I asked if they got a copy of documents as proof they said they could refer me to a credit monitoring company they have that cost $ $ $ what ever and at that time they could help me further! So now I 'm thinking this is all making sense!. If you pay equifax they can show you ways to do things to correct CS that you can do yourself?! NOT.
I have attempted to apply for mortgage assistance with Chase several times since my Ch XXXX bankruptcy and each time I applied they gave me the only option to short sale the property or complete a deed in lieu of foreclosure. They had a realtor come look and take pics of the property in preparation of a short sale. I have been in this process since XX/XX/XXXX. I had an offer right away was almost at closing when Chase closed my file reopened the file only for the potential buyer to walk away. We had to start the process all over again with a new potential buyer willing to give fair market asking price of {$85000.00}. Chase continued to have my realtor sign papers and had the documents forwarded to the buyer all the way up until XX/XX/XXXX. Chase failed to request a postponement of the foreclosure date. When I called Chase XX/XX/XXXX they informed me the House was now in active foreclosure and that they tried to request a postponement with XXXX XXXX the investor and their attorney office. I contacted XXXX XXXX Attorneys office and they informed me that Chase did not reach out to them for postponement. Im very upset because I complied with everything Chase was asking of me and to allow my home to be foreclosed on, the potential buyer who was so patient in this drawn out process now has no deal to close on. From the very beginning Chase has not been helpful in this matter at all.