WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX, 2015 my mother passed away. She and I both had several account together at Bank of America. Because of my mother 's declining condition, on XXXX XXXX, 2015 I made a transfer into her account in the amount of {$10000.00} to pay for the upcoming funeral services. Prior to me notifying the bank of her death, the bank froze her accounts XXXX XXXX, 2015 without notification. When I went to write a check for the funeral home services the account was blocked. I have sent in numerous documents to the bank to close the account, however they have sent me numerous requests for duplicate items including the XXXX which I completed XXXX times with their Bank Rep. XXXX XXXX, in the XXXX, NJ branch. I received letters from Bank of America requesting letters of Testamentary which I submitted XXXX times. I submitted a copy of the my mother 's will after they threatened to not close the account and after my attorney advised me against submitting a copy of the will. I have called the Estate Department ( XXXX ) and spoken to over XXXX people, I have their names and date and time I spoke with each person. Each person claims to be either the Supervisor or give me a fake number or name to a supervisor. No one knows the actual status of the account. Several have told me everything was received and a check would be mailed. Then a few days later I receive another letter requesting duplicate information. Please help! I need to finish paying my mother 's past bills and Bank of America has been a nightmare.
I purchased the order number, XXXX coast {$44.00} from walmart.com on-line using my walmart master card end number XXXX name on the card is XXXX XXXX XXXX, on XX/XX/XXXX, but since one on line site named XXXX was getting from my credit card $ XXXX, even i reporet dispute and froud to the credit card, so I closed the account on my request, but I asked the customer service representative to pay the balance, which is the amount of the oreder mentioned above, he told me to pay it in any walmart store, since he closed the account, on XX/XX/XXXX i payed {$44.00} by the order pay XXXX, by my XXXX XXXX XXXX XXXX XXXX vis card REF # XXXX, I received statment from the credit card to pay a balance for the same order, which i payed already. 
I called XXXX XXXX and XXXX XXXX from walmartonline.com, to update my payment to master card, they gave me on phone master card representative XXXX XXXX or XXXX?, who is asking me to take the responsibility to prove to him even he was contacted by walmart.com, and i told him i can mail to you the reset, or contact walmart to invistegate, but it was useless.there is no co-operation between the XXXX branches at the same company. 
i would appreciate if you can help me to solve this problem and not to have my credit history affected, Iattached is my documents.
I sent a written cease and desist letter via fax on XXXX XXXX telling them that I would contact the originator of the alleged debt to work out any concerns. I received a notice from the RMS on the XXXX stating I had 10 days to pay them with fees and interest or they would contact the credit reporting agencies.
My wife and I went to a XXXX  XXXX in XXXX XXXX, TX on XXXX XXXX   XX/XX/2018. We were interested in purchasing a couch and talked to a sales representative there about purchasing a couch. They told us that we could get the couch and if we were approved for a credit card, we could chose to have 0 % interest for one year or 10 % " cash back '' in XXXX XXXX dollars to spend on additional XXXX XXXX merchandise. We told her we would think about it over lunch and she gave us a piece of paper to apply for the credit card online while we were eating. We applied, were approved, and came back to the store afterward to purchase the couch. We opted for the " No interest for a year '' option with the sales representative. The couch had to be special ordered and so we waited until around XX/XX/XXXX to receive it. We got our first statement in XX/XX/XXXX with a purchase date of XX/XX/2018 ( this is not correct ) for {$2800.00} ( this is correct ). We calculated the amount we would need to pay monthly to pay off the card before twelve months and set up monthly payments of {$300.00}. We have been making monthly payments of {$300.00} since XX/XX/XXXX ( our first payment due date ). We JUST this month noticed that we were getting charged interest each month ( {$64.00}, {$62.00}, {$58.00}, {$51.00} over the past four months ). We also have NO XXXX XXXX rewards. Looking back over our paperwork, our first statement said " look for your {$270.00} in rewards coming later this month '' but those never came. So, we received neither the promotion we wanted or the other promotion. Our account currently says that we have spent {$140.00} this cycle and are {$100.00} away from our first reward dollars. We called our local XXXX XXXX where we purchased the couch and told them about our problem. They pulled up our paperwork and confirmed that we had selected the 0 % interest option. The manager there, XXXX, agreed that we should not have been charged interest but that it is up to the bank. She offered to send the paperwork to the bank that holds the credit card and try to get our interest refunded. Five days later, she called us back to let us know that the bank will not reverse the interest because too much time had passed. They said we would have had to have caught the mistake in XX/XX/XXXX in order to have the interest reversed. This is not our mistake but an admitted mistake by XXXX XXXX, yet we are being charged for it. We could have bought this couch on ANY other credit card and received significant points for our purchase. There was NO REASON for us to open an additional credit card without receiving any benefit. We have since paid the entire couch off ( XX/XX/2018 ) to stop us from being charged additional interest.
I have had my loans since 2004 and was told at the time that they should be paid off in 10 years and I still have more than {$5000.00} left on the loan that was only a little over {$10000.00} I attended XXXX XXXX which is no longer in existence
I went into a US Bank banking center to make a payment on my auto loan. The teller put the payment toward my XXXX account with them instead, even after verifying the amount of the auto loan payment. About a week later I got a call from US Bank asking when I could make a payment on my auto loan and that I was now delinquent. I went back to the branch where I made the payment and took my receipt with me. They searched but could not find where the payment was posted, but said they would try to find it and fix their wrongdoing. I have been to XXXX branch locations now over the past three weeks and even though they found the payment posted to my XXXX account they still have not corrected the mistake. It has now been over 30 days and the delinquent calls keep coming in and they claim it is being reported to my credit.
Castlepayday.com is doing business in Georgia where it is illegal to provide payday loans. The interest was higher than expected. I thought it was a regular installment loan, but it is surely predatory.
In XX/XX/2016 I ordered my report from all three credit agencies, however, one agency in particular has refused to provide me with any kind of updated report or investigation results. After filing disputes with Equifax they began asking me for more proof of my identity which I continued to provide each time I either filed or responded to one of their disputes. I also called them on the phone multiple times and was unable to get them to cooperate. To this date, I have not received a response to any of my requests.
XXXX L # XXXX They took {$230.00} for insurance protection that they did n't have. Began on XX/XX/XXXX until XX/XX/XXXX. They filed a class A lawsuit. Government gave them {>= $XXXX} and they were suppose to pay back the customers back. I recieved two {$2.00} checks and I never cashed them to this date. This is unaceptable.
I received a copy of my credit report and noticed I had a debt reporting from this company Midwest Recovery. I reached out to this company by certified mail on XX/XX/XXXX to validate this debt. This company signed for my letter on XX/XX/XXXX but have not sent anything back in regards of validation. i received notification from XXXX that my account from Midwest Recovery was marked as " disputed '' so I reached back out to this company by certified mail on XX/XX/XXXX to get validation and this company signed for my letter on XX/XX/XXXX. I then disputed Midwest Recovery through the actual credit bureaus and they deleted it off one bureau but stated it was verified through the other 2 bureaus which is not fair! Here it is XX/XX/XXXX and I have still yet to receive any type of notification, communication or validation from this company. I also have attached all communication letters, certified time stamped signatures that was sent to this company to validate what I am saying. This company is a fraud because this company is ignoring the fact that I am requesting validation that they must not have. It is by law by the FCRA that I can request validation and it must be sent to me. I have never received any type of communication from this company before they reported this on my credit report. this company did not give me any time to validate this debt. I am not sure who this company is and how do I owe them. I never signed a legal bonding contract with this company to owe them any debt, I have never done business with Midwest Recovery.  I have the right to demand to see a signed contract between Midwest Recovery and myself. If this company is hired by a 3rd party company, I request validation and not verification of the debt. meaning a signed contract from the original company and not a bill. a bill is not considered proof of a debt. This company has blatantly ignore more request as a consumer in which I had rights too. I will be issuing out additional complaints as well through the BBB & Attorney General. As a consumer with rights, it is not fair to be ignored, pushed to the side and not provide validation of what you are reporting on my credit report.
I have been trying to remove the PMI payment off of our mortgage and called to confirm the amount over & above the mortgage payment that would bring our loan to value to below the required 78 % on XX/XX/XXXX I was told it was {$12000.00} and we qualified as we have had the mortgage over 5 years and never missed a payment! I transferred the monies and it was in our mortgage account on XX/XX/XXXX I have the confirmation from XXXX XXXX, I have emailed 5 times and called 5 times and now spoken to a Supervisor called XXXX  ID Number XXXX and they are telling me I now have to wait until XX/XX/XXXX! to get my refund back when they are still charging me for the PMI when I have contacted them numerous times to have it removed and refunded. Please can you help me.

They ignore my emails, they ignored my written correspondence, they have never returned any of my calls, yet they have charged me {$230.00} x 2 PMI and still continue to charge when my LTV is lower, I did not pluck that amount out of the sky to reduce my mortgage they told me the amount, they record all their calls so they need to listen to them and refund me the money they are charging me, I have wasted hours and days on this, I pay my mortgage I have never missed a payment and yet they penalize me!
FRAUD charge on credit card for a painting contract for painting not completed. Chase is aware of contract not being fulfilled via written description from me along with photographs. Chase choose to ignore NOT completed contract and charge credit card anyway. Details : We signed a painting contract with XXXX XXXX, XXXX, MA. We moved out of our house so that XXXX XXXX could complete the job. Valid deposit made at project beginning. Many weeks into the project XXXX XXXX called us and said the project was complete and that they were charging the balance of the contract amount due. We returned a few days later to find project not completed. We notified Chase who have allowed FRAUD charge to remain. Chase choose to ignore the proof that contract was NOT completed.
I applied for a PNC CashBuilder credit card ( for the first time ) which offered an incentive of {$100.00} ; the offer was sent to me by mail and I was approved. I met the criteria for the {$100.00} to be awarded ; however PNC states that the incentive will not be granted because I already received XXXX {$100.00} incentive on a completely different type of credit card ( PNC Points ). I 've never applied for nor had a PNC CashBuilder credit card until now and if the incentive that was offered was n't valid they should n't have sent me this Pre-Selected offer. I 've been an upstanding patron of PNC with the same checking & saving account and primary credit card for 28 years. PNC has no time frame allotted between bonuses awarded nor specifications on the different types of cards ( PNC Points, PNC CashBuilder ) applied for that eliminates eligibility for the {$100.00} incentive. Example : if you get XXXX {$100.00} incentive on a specific type of credit card ( PNC Points ), PNC does n't specify that the completely new different type of credit card applied for ( PNC CashBuilder ) does n't qualify for the {$100.00} incentive once received on the initial XXXX ( PNC creates new credit cards throughout the years so how would a consumer know ). Also, PNC does n't give any time frames on the duration of time that you will not receive additional incentives when your approved for other Pre-Selected offers with incentives attached. Example : If you meet the criteria for XXXX {$100.00} incentive, PNC does n't specify that if you apply for another completely different or the same credit card later within 1 year, or after 1 year, or after 2 years, or after 5 years, or after 10 years, or within a lifetime that you would not qualify for the {$100.00} incentive offered.
I am a cosigner on my child 's XXXX loans. My child refuses to make payments or consolidate the loans even though they earn an excellent salary. Wells Fargo is aware of the problem yet they do not pursue the borrower at all with any notifications or attempts to collect, yet they come after me as if I were the primary borrower. 
Wells Fargo has stated that there is a vehicle by which I can be removed as cosigner. I have requested that they do this. Wells Fargo repeatedly states that someone will be in touch with me yet I have not received any contact from anyone at Wells Fargo regarding this promised modification. My spouse wishes to retire and we need to get this resolved. 
Thank You,
I paid off my mortgage balance with Nationstar Mortgage in XXXX XXXX t ts They They They sent me a payoff statement saying my balance was $ XXXXwhich included prepaid interest through XXXX XXXX of {$360.00}. Thispayoff statement said the daily interest was {$12.00}. 
I sent a cashiers check by overnight mail ( cost me {$19.00} ) on XXXX XXXX. 
I have written proof that Nationstar received my check on XXXX XXXX. It wawas signed for by someone named XXXX XXXX. I have written proof thatNationstar did not post my check until XXXX XXXX. I received a checkfrom Nationstar for what they called 'payoff overages ' on XXXX XXXX, XXXX {$97.00}. It would appear that they calculated my refund of prepaid interest based on the date they posted my check ( XXXX XXXX, 2015 ) andnot on the date they received and signed for my check ( XXXX XXXX, 2015. ) By my calculations Nationstar has not refunded me all of the prepaidinterest that is due to me. Based on their own statement that shows theinterest calculated at {$12.00} per day, I am owed approximately another {$60.00}. I have contacted them numerous times, both by phone ( once Iwas kept on hold for XXXX minutes ) and by mail. After over XXXX months thisissue still has not been resolved. My last letter from them was sent tome on XXXX XXXX, 2015. This letter contained convoluted double-speak. 
Nationstar claimed that 'the error asserted within my correspondencedid not occur on my account. ' But in the next sentence they say that'they have addressed the error with the payoff date being incorrect andwill have the corrected date reflect XXXX XXXX, 2015. ' Then they add that'furthermore, the notice and funds due if any will be sent in a separatecover. ' They do n't say when, how much, or even if ( for sure ) I will everreceive more funds. In the last paragraph of their letter, they say that 'I have the right to access the documents and relied upon in theirinvestigation, but because these documents are considered internalinformation, I need a subpoena or legally proper request to do so! 'This matter has not been resolved to my satisfaction. 




was sent on XXXX XXXX, 2015. 
XXXX XXXX, 2015
I did not get anything other than the logo that I was promised. 

XXXX/XXXX/XXXX : Press Release XXXX log on info provided ( so I could write my own press releases ) XXXX/XXXX/XXXX : Provided a press release for XXXX which I edited and returned on the same day XXXX/XXXX/XXXX : One article for XXXX ( XXXX Article ) - Problem : the article promotes a watch I do not have for sale on the site XXXX/XXXX/XXXX : Provided the revised version of the Press Release sent XXXX XXXX XXXX/XXXX/XXXX : Provided a second article for the XXXX site XXXX/XXXX/XXXX : Provided a third article for the XXXX site that is promoting the same item the second article had promoted XXXX/XXXX/XXXX : I sent an email requesting clarification with regard to what exactly they were supposed to be providing per our agreement XXXX/XXXX/XXXX : They responded to the above request by directing me to contact their fulfillment department XXXX/XXXX/XXXX : I received XXXX Article # XXXX to which I sent a response asking what I am supposed to be doing with the articles and where the press releases are sent along with the question : do I send them out or do they. I further expressed concern over lack of communication and my inability to contact them by phone ( I have forwarded that correspondence to XXXX office. ) XXXX/XXXX/XXXX : I was provided with the final logo for XXXX XXXX/XXXX/XXXX : I received a response as to why XXXX Articles are important, but not explaining what I was to be doing with them. They also included the fifth XXXX Article. 

XXXX/XXXX/XXXX : I responded to the XXXX XXXX email from them and asked for more clarification XXXX XXXX - XXXX XXXX Multiple back and forth emails attempting to schedule an appointment with no luck.
I asked Bank of America for a replacement check on a check that was made out to me and was void because it was after the 120 days. Bank of America has a confusing process to navigate the system and I was on the phone for hours and days being shuffled from XXXX office to another. I was finally assured by XXXX in XXXX that she would send a replacement check. She did not do so and when I followed up on her direct line, she hides behind her voicemail and does not respond. Instead, she referred the matter back to her subordinate who was unable to assist. Bank of America cancelled the original check which I have and then failed to issue a replacement despite repeated assurances to do so.
I'am XXXX i have a problem with westernunion i lost my money order and i called there the store i brought it at XXXX store in XXXX the women who owns the store where they sell money orders called a women from western union direct and told them to put a cancel payment order on the money order hours later i was contacted by email from this executive guy by the name of XXXX he caused so much delay by not giving me proper instructions he first told me to send to him the documents which i did than almost a week later he contacts me again by email and tells me to send by regular mail not paying attention to the documents i sent by email causing a delay all this time the person who took the money order cashed it i understand western unions policy but because of the delay and response times western union should grant me a refund and investagate it and go after the person on there end everytime i send a compliant to western union the same guy responds XXXX XXXX and i blame him for the delay i have attached screen shots where i asked him overand over did he get the documents and he took days to respond also the lady on the phone from western union told me she was going to help me and this exec got on the case and would not than he said the check was cashed on XX/XX/XXXX but i contacted western union before thank bank even opend so thats just a excuse to keep my money i buy a money order for XXXX every month and iam XXXX i asked XXXX can i speak to someone that was over him he would not respond i also got a call from western union today and they was very rude and told me to stop emailing them
1. Wells Fargo contacted me on the phone to offer secondary modification to my modification. Wells Fargo was reducing my interest rate, forgiving an amount and deferring a portion of the principal, which will be the amount owed at the Balloon due date. Today, XXXX from WF told me that WF did not forgive any amount. 

2. I have paid extra money toward the principal and WF has failed to apply the funds toward the principal and recalculate the amount due. In the alternative, WF has further failed to reimburse me for the extra money I paid and in the alternative, WF has failed to apply the extra money toward the deferred/Balloon amount. 

WF has cashed my checks and refuses to give me credit. If credit is given, the accounting must be recalculated according to new amount due.
I contacted SCA Collection regarding a debt that appeared on my credit reports. I sent a letter on XX/XX/2018 ( certified mail ) requesting validation of the debt with a contract bearing my signature. SCA Collection sent me letters dated XX/XX/2018. The letter states the original creditor was XXXX XXXX with a balance of {$28.00}. They did not send any of the information requested such as the contract from original creditor bearing my signature. The information they provided has an address attached - where I never resided. 

My second attempt at contacting SCA Collection was on XX/XX/2018 ( certified mail ) Again, I requested debt validation. They never responded.

( Please note I was on military orders from XX/XX/2018 - XX/XX/2018 and was unable to respond promptly to their non-compliance in a timely matter. ) My third attempt at contacting SCA Collection was on XX/XX/2018. Again, I requested a copy of the contract for purposes of debt validation. I have yet to receive a response. 

I will update you if I receive any other communication before XX/XX/2018 which would be within their 30-day opportunity to correspond me. However, I believe they are already in non-compliance with the Fair Debt Collections Practice Act and the Fair Reporting Act because they have failed to provide the debt validation twice already.
They are showing inquiries that are not authorized nor have permissible purpose, nor have written authorization for the following Inquiries. 

1- XXXX XXXX XXXX XX/XX/XXXX 2- XXXX XXXX XXXX XX/XX/XXXX 3- XXXX XXXX XXXX XX/XX/XXXX 4- XXXX XXXX XXXX XX/XX/XXXX 5- XXXX XXXX XXXX XX/XX/XXXX 6- XXXX XXXX   XX/XX/XXXX
This account was included in my affidavit mailed to the Credit Reporting Agency as well as the debt collector. Trident has refused to respond to my request and continues to report identity theft information to XXXX. XXXX reported that an investigation has been done as well and continues to report this information as fact.
Hello. I disputed a medical debt collections {$180.00} on XX/XX/XXXX and the estimated date to be finished was XX/XX/XXXX. As of today, it still says pending, and on my credit report it says consumer disputes-reinvestigation in progress, this was well over a year ago through Equifax. XXXX  and XXXX were kind enough to delete the debt as its not mine, but it had taken Equifax over a year. I want this deleted off my report.
Closed my account with no warning called three times for explanation with no real answer except letter in mail letter dated XXXX2019 recurved XX/XX//2019 not explanation vague answers I have 0 missed payment in 4years