WillisBack/dataset-financial-user-claim huggingface dataset:
Chase did not accept the payment of {$8300.00} that the Florida Hardest Hit program tendered on my behalf in XXXX XXXX. 

I am now making payments ( and my loan is current ) but, by failing to accept the Hardest Hit funds, Chase caused me financial harm. First, I should have over XXXX XXXX dollars off my loan account because Chase should have accepted the funds. Also, the modification was based off a default in the loan payments which the {$8300.00} would have corrected. The Hardest Hit funds would have brought my loan current, and given me the opportunity to avoid fees associated with further default on the loan. 

I only became aware that this money had not been applied to my loan in XXXX XXXX when the legal aid office made an inquiry with Hardest Hit, and Hardest Hit mailed me a letter stating that Chase had rejected the funds. 

I then wrote a letter to Chase 's Research Department ( on XXXX XXXX, XXXX ) to look into why Chase did not apply the Hardest Hit funds to my loan and they have yet to get back to me.
I have several accounts at Bank of America ( BOA ). It appears that BOA charges an overdraft fee based on pending ( not yet posted ) clearing items included in the available balance. In addition, it also appears that, for those accounts that have automatic transfer from savings accounts to cover potential overdrafts, make transfers based on pending items ( not yet posted ) and charge a transfer fee at that time. If deposits are made during the pending period, fees are not reversed prior to posting even for positive balances.
I attended XXXX College XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX The school is a fraud, the program I attended was a scam XXXX XXXX XXXX, I was promised a XXXX XXXX XXXX degree, in which I can not even use because the school is not accredited. Now I am required to pay this bogus loan back. This is absolutely absurd please assist me with exposing how this school scammed the US Department of Education Loans for students to take out money to help them with a degree and right after this school is closed.
Received an unsolicited email from " Cash Central '', via " XXXX ''. I did not apply for a Payday Loan, on XX/XX/2017, as the email states. Also, In the body of the email received, It alleges I have " Too Many Direct Deposit Accounts, as well as unable to verify residence. I attempted to contact " Cash Central '', but was unsuccessful.
Trans Union says even tho bills are paid and court has dismissed the bankruptcy/chp.XXXX. Trans Union has to report the Bankruptcy for the next seven years. Which keeps me from borrowing money or opening new accts. This is false information and against my civil rights. 
I dropped the chp.XXXX and opted to pay off bills instead of continuing the bankruptcy, but Trans Union says it must state that I am still in Bankruptcy. Help Me!
I had leased a Hyundai XX/XX/XXXX for three years. Paid all payments on time and took very good care of car. Lease ended XX/XX/XXXX. Returned and they asked me to take another car. I said I could not at this time because of health problems. I had XXXX for XXXX XXXX and have many medical bills. They checked my car found no problems, they gave me a paper for surrender dated XX/XX/XXXX. Just today I received a bill for XXXX. dollars for a disposition fee.They said it was in the contract which I had signed. They wanted the payment in 15 days. I explained my financial situation with medical bills and I could not pay. The girl I spoke with said this was in the contract I signed and wanted to know if my doctor said I could not drive. I said I could but I have many medical bills and could not take another car. Now I am upset and do not know how I can pay now.
NCC XXXX based out of XXXX, FL, have been calling me Monday through Friday from approximately XXXX to XXXX, for the last month without fail. They have my Brother-in-laws, my wife 's, and my information claiming we owe an apartment complex a varying amount from {$2000.00} to {$4000.00}. Everytime I spoke to a representative, it was a different amount. I have asked them to stop calling until they get their story straight.
XXXX XXXX XXXX XXXXI have a a unverified account from XXXX XXXX XXXX . I had previously disputed this account. I have never done business with XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt. I need a physical copy for my records contract, proof of claim or any documentation for my review.
I filed ChapterXXXX bankruptcy on my accounts in 2005, which I 'm NOT of proud ; but during this BAD TIME I lost a high paying job and got divorced, which left me no other choice but to file!!! Then 9.5 years later after I am finally getting my life back on track a collection company sends me a THREAT letter that I need to pay on an account included in my bankruptcy, and I have PROOF of this. I called them and they say they will clear this up, but since they did n't ask for PROOF even though I offered CASE # and Amount paid just to prove myside, but got worried that I offered more than they asked for. I want to make sure I 'm NOT BRING SCAMMED - Thank You for your help!!
capital one is now chargin late fees, interest, and its all because they " '' assumed '' '' there was fraud activity on this account after a purchase was made by cardholder, we have sent everything they wanted and because the bank does not verify their clients accounts over the phone capital one still refuses to accept all the information that was sent to them more than once. a full payment was made to this account on XX/XX/XXXX bank can verify that. capital refused payment due to their " '' assumptions '' '' of fraud activity, as of today XX/XX/XXXX XXXX XXXX has added late fees, interest, and is reporting late payments to credit bureaus. the balance of XXXX was attempted to be paid like I said on XX/XX/XXXX. and the bank can and will verify this in writing. capital one needs to be investigated themselves, asking for a customers full bankin  account information is personal and private, but they demanded they have it to prove identity so it was sent to them, also many many many messages were left for XXXX XXXX to return the call which to this date still never has. theres also proof of multiple messages left for XXXX XXXX. now cfpb closed our last complaint without resolving the issue, you said your on our side on your website but its lookin as if your on the creditors side. please resolve this issue, please. how many times will I have to keep filing complaints before this gets resolved
I applied for a payday loan with this lender as I have used them in the past few months and have always paid them what I owed them. For the month of XX/XX/XXXX they funded my account in the amount of {$250.00} on XX/XX/XXXX and I had taken a loan from my 401k to  pay off my loans and the check was deposited to my account so I didn't notice that Speedy Cash debited my account 2 days later in the amount of {$300.00} but I did notice it about 5 days later. Since I no longer needed the funds I did not call Speedy cash to ask why they debited my account and assumed that I may have entered the incorrect due date so I let them take their funds and considered them paid in full on approximately XX/XX/XXXX or XX/XX/XXXX I received an email from them stating that my loan was due on XX/XX/XXXX. Immediately called them and the representative I spoke with told me that since a bank statement wouldn't be available yet screen prints directly from my online accounts would be sufficient. I received no response to my email. I sent it again a few days later, no response. I send it today as a word document and receive an email saying a word document is unacceptable to send it in PDF format. I send it in PDF format, I receive another email that my PDF is insufficient and that a screenshot I was told would be sufficient is not. Now a full bank statement with my account number showing, which shows all of my bank transactions are needed. Every single time I send something they come back requesting something more. I have sent them an email in writing revoking my authorization for them to debit my account any further as I owe them no funds.
Jefferson Capital Systems Llc/Jefferson Capital Llc tradeline appears on my credit file with a balance of {$1400.00}. The company reported a date opened XX/XX/XXXX and a reported delinquency date of XX/XX/XXXX & XX/XX/XXXX ; no closed date. This is a second party account with no adequate proof provided to me showing my obligations to pay the alleged debt. After repeated discussions with representatives the agency was made aware of my vehement disagreement with and the unwillingness to cooperate with a resolution. The account was disputed via the credit reporting agencies on XX/XX/XXXX & XX/XX/XXXX ( re-investigation ). I strongly believe this company violated sections 806 & 807 ( 10 ) of the Fair Debt Collection Practices Act, 15 U.S.C 1692D and 1692E ( 10 ).
On XXXX/XXXX/XXXX, I opened a citibank citigold checking account under a promotion code XXXX which offers XXXX AAdvantage ( R ) bonus miles. Before I opened the citigold checking account, My husband had a online chat with customer service representative XXXX on XXXX/XXXX/XXXX. We were confirmed by XXXX that " This promotion is for all existing credit card members who do not have a consumer Citi checking account. '' " Here are the Required Behaviors to earn XXXX XXXX Miles. 
Open a new Regular Checking account in the Citigold Account Package by XXXX/XXXX/XXXX. 
Within 60 days after account opening : complete Qualifying Debit Card Purchases of {$1000.00} using the Citibank Debit Card which must be posted to the new checking account. 
And 1 qualifying bill payment must be posted to the new checking account each month for two consecutive calendar months. '' I never had citigold checking account before and I have citibank credit card. I meet all the promotion requirements so I opened citigold account on XXXX/XXXX/XXXX. After I opened citigold checking account, I met all the requirements. On XXXX/XXXX/XXXX, I got confirmed written secure message that " Yes, as of XXXX/XXXX/XXXX, you did meet the final transaction for your offer. These XXXX bonus miles will be credited 90 days from your ending statement period. This is no later than XX/XX/XXXX. 
XXXX XXXX, I am glad I was able to confirm your miles to be credited to you. ". I did n't receive XXXX american airline bonus on XX/XX/XXXX and sent an secure message to ask why on XXXX/XXXX/XXXX. I was very surprised to be told I was not targeted for the promotion. We were clearly told by citibank customer service representative XXXX that " This promotion is for all existing credit card members who do not have a consumer Citi checking account. '' on XXXX/XXXX/XXXX. Also I was confirmed via secure message that " I did meet the final transaction for your offer. These XXXX bonus miles will be credited 90 days from your ending statement period. This is no later than XX/XX/XXXX. ". I have everything in writing. Since XXXX/XXXX/XXXX, I have asked citibank many times about the status of XXXX XXXX bonus miles. As of today ( XXXX/XXXX/XXXX ), citibank is still not honor what they promised. I feel it is not fair.
RSI Enterprises contacted me to collect upon a debt that is ; a. invalid b. not within their rights to collect on upon asking RSI for verification via U.S. certified mail, I received a response that does not fit the burden of proof for such a debt. RSI at this time has continued their collection efforts on this invalid debt.
capital one ... .would make my payment for the month due ... it would show paid on line and when I would check my account and the money would still be there ... they will then then next month say im one month behind so I would pay for two months ... ..The money still will not be taken. then capitol one would say yes it it ... ..then I tried to pay by check..no good debit card still the payment would not be taken out of my account ... .so I stop trying to pay capitol one account..then they start adding all these late charges the mail they send say XXXX late fees then I look at my credit it say XXXX I need help with being treated fair.. they double the payment amount but this all started when I spent up the money on the credit card ... I feel when I ran the card up they blocked the payment ..so my credit score will be bad ....
I have continually been contacted by multiple Debt collectors for a termination fee charged me by XXXX that I do not owe. I never signed a contract with them, and therefore this is invalid. The issue is that they keep sending it to different debt collectors. I have tried contacting XXXX to drop this collection attempt but they refuse to do so. They have a known issue with deceptive practices as noted on the XXXX website including not disclosing contracts, price switching ( which they did to me ), etc. I need to know what can be done to get them drop this charge that is not valid. I do not want to have to continue to send certified letters to debt collectors until the end of time while they continue to pursue this frivolous charge.
This card was originally with citi ( Sears ). I got ill about XXXX years ago i was XXXX and i am now on XXXX. XXXX is the only income i have. XXXX XXXX attorney XXXX XXXX XXXX continue sending me a letter threatning me that their going to ask the court to freeze money in my bank account. The only account and income i have is state social security benefits. I filed an affidavit of exemption schedule to my account on XXXX XXXX, 2015 I know they received it. The Law office XXXX on behalf of XXXX XXXX continuning to ignore that i am XXXX. This debt is almost XXXX years old. If i ever get back on my feet and healed from this XXXX the debt still is n't what they claim. My credit card limit was only {$2500.00} They continue to add interest daily. Please help me, this is stressful i 've been really sick this is the last thing i need is pressure to pay a debt i can not right now.
I tried to find out from the creditor that used the information they said they received from the credit reporting company. The company did not send new information they sent a month or two old information in my credit file. By doing this one of my credit card company lowered my credit limit after I made my new payments to all of my creditors. 
Now one credit card company is showing my account as over the limit. It wasn't over the limit with XXXX and XXXX billing cycle because my limit wasn't lowered until I paid my bill a third down. Something is illegal going on. 
I sent 2 attachments : the 1st shows XXXX XXXX that's the company reduced my limit that makes my account appear over the limit you can see where they got paid the {$1000.00} and you can see all of my other debts got paid substantially as well who did not lower my limits ; the 2nd is a copy of XXXX credit report showing I am not over my creditblimit before I made the {$1000.00} payment to XXXX XXXX.
I was cashing a personal check from my nephew in his Regions bank. The bank officer called my nephew to verify ( unusual ) and had to wait 20 minutes for him to respond. The bank officer then took me to the teller at which time after giving them my license and being finger printed and signing check, they stated there is a {$20.00} fee to cash a check at their bank. The could not produce the fee structure nor could they produce a receipt showing where the {$20.00} fee was deducted. I believe they are stealing from unsuspecting people. 
I want the {$20.00} " fee '' returned.
I have a loan with XXXX XXXX  XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, and XXXX  XXXX XXXX with no successful resolution. XXXX, XXXX, and XXXX only reporting me 30 days late twice. There was definitely an error on their part. I was never two times 30 days late.
I had an overdraft protection account with my bank, and they were withdrawing automatically from my account. When my financial situation changed, and my credit score took a hit, the bank decided to close my account, and not give me access to the protection of overdraft. Even though, they were still withdrawing payment. Once they closed account, they did not alerted me that automatic payment would stop on the balance of the account and the account was delinquent. They reported me to credit bureaus and after I asked and wrote to them, without a response to remove the information as I had continued to pay once I had pulled my credit report.
Barclays B ank made an error in paying  XXXX   XXXX . They paid it twice.  XXXX   XXXX  receiv ed two  times what they were supposed to be paid.   I wan t Barclay ' s Bank to take back the {$3600. 00} ( ex cess money ) from  XXXX   XXXX  and return it to my account.    XXXX   XXXX  is willing to return the money but  Barclay 's Ba nk is blocking the transactio n. Insteal,    XXXX   XXXX  has sent me a check for the amount of {$3600.00 } ( amoun t owed. ) I do not want  XXXX   XXXX  to make a reimbursement by sending a check directly to me.   A check from  XXXX   XXXX  deposited into the bank creates the appearance of extra income.  <P/> I want t the excess mo ney ( {$3600.00} ) wired directly to Barclays Ban k, the same way that it was originally sent to  XXXX   XXXX .   Whenever I called they assure me that my case we nt to the executive  office and my problem is fixed. That it will take time to update it. But it has not been updated. I still owe more tha n the 6,000.00 (  special checks w ith the 0 per  cent interest until next year in  XXXX    XXXX   ). my loan amount limit from  Barclay is  {$6000.00}. Presently since yesterday  XXXX  I owe the ba  nk Barclay close to {$10000.00}.
<P/>  We have spoke  in a three way telephone conversation and they told me that it is not possible to fix the amount in question and it was not going to be returned to Barclays Credit Company. Barclay does not allow that payment back.
I have an account at XXXX pras.shar XXXX XXXX XXXX There were unauthorized activity on my account and my account was closed. Despite me attempting to explain to XXXX and show that I did not carryout any violations of their terms, I was unable to appeal to anyone at their company. 

I have been unable to utilize my XXXX account now for 3 years. I also have funds stuck in the associated PayPal account which is linked to XXXX, as well as XXXX gift cards that I also can not access. 

There is a clear divide between the customer service and executive and compliance portions of XXXX and PayPal meanwhile I am stuck unable to be a customer of either service nor redeem my funds. 

A simpel review would have been sufficient to undo the ban that was placed on my account. It appears my account was closed under suspicioun of multiple accounts but this was not done by. me. 

At the time of these events I was only a student. Now I am a working professional and am aware of my rights as well as arbitration agreements and local civil suit procedures. 

HOWEVER, I don't want to do any of that. All I ask is the rightful department finally see the issues that occurred here. Admit to the oversight of closing my account unjustly. And just allow me to be a customer again. Both for XXXX and the PayPal account where my funds were stuck for so long. 

I know if there is a review done, they will see that I did not break any rules and their investigation process was not thorough and I was mistakenly banned. Please reopen my XXXX account and my associated PayPal account. And I will cease any further action. 

Thank you!
Fraudulent checks were deposited to my daughters account ( which has been linked to my account since she was a minor ) through an ATM, and somehow the money was made available the same day. My daughter did not realize that she lost her debit card as she is young ( XXXX ) and still trying to understand responsibility ( I know no excuse. My daughter had a daily limit for withdrawal of {$500.00} however someone was able to withdraw over {$1000.00} from the ATM. I can not even withdraw that much money from the ATM. As soon as my daughter realized that her account had been compromised she called me. We immediately called the bank and told to go to the branch the next day. We filed an on line police report and went to the branch. The branch rep told us we needed to call Chase customer service as her account is restricted. Because my accounts were linked ( because she was in high school when her account was opened ) they took all of my money leaving me at a XXXX balance in two accounts. I called and filed a claim XX/XX/2018. I received a letter dated " XX/XX/2018 '' indicating that my claim was denied. I am unsure how a investigation can be done in less than 24 hours. I called immediately and threatened to obtain an attorney. At that point I was transferred to the " Fraud '' department. I thought I had been dealing with the Fraud department all this time. A claim was filed and I informed the, I wanted them to pull the video  footage because I want to prosecute and need my money back. They took every dime I had and left me with nothing. I finally received a call today saying that my claim was denied because my daughter didn't report her card stolen in time. Granted I understand that and I am aware my daughter was negligent in doing that but again she is young and still learning how to be an adult. My problem is they aren't concerned with the fact that fraudulent checks were deposited into her account and withdraws were made via ATM. They don't care because they took all of my money. Regardless of my daughter not reporting the loss of her card in a timely manner because she didn't realize it, I need my money and why aren't they concerned with the fraud being done? I have done some investigation on line and there are a lot of complaints regarding this bank and situations such as this. There is a remaining balance that they are expecting us to pay. Really, we did not have anything to do with this. I believe this is an inside job as how can one over ride checks being deposited into an ATM and be available immediately, how can one get someones pin ( Chase recording asks for pin when you call to activate a card ). Fraud activity with banks and ATM 's were even on the news this past week .... Please help me get my money back from CHASE
Inquiries from XX/XX/XXXX-XX/XX/XXXX need to be removed