WillisBack/dataset-financial-user-claim huggingface dataset:
I was contacted on XX/XX/XXXX while I was overseas by a collection agency XXXX XXXX represented by XXXX XXXX : XXXX about a claim number XXXX turned out ABC financial XXXX runs the billing for Best Fitness gym in XXXX NY XXXX sold them a debt of XXXX $ that I supposedly owe them. 
She refused to give me the option to challenge the debt or to send me anything in written that would explain this exuberant debt. The monthly fee is XXXX $ and I stopped paying them since XX/XX/XXXX. Here is why : on XX/XX/XXXX I signed a XXXX yr contract with the gym. On XX/XX/XXXX, I called to cancel as I have n't used the gym since XX/XX/XXXX XX/XX/XXXX or so and I lived in New York XXXX. They sent me an email with the address to which I should send a copy of a bill to prove that I moved ( XX/XX/XXXX, XXXX ) .I mailed them the same week that bill to the address provided to me in the email of XXXX XXXX unfortunately I have no proof of that mail no more ). In XX/XX/XXXX I noticed on my credit card statement that I am still being billed by the XXXX company. I called to tell them my subscription should have been cancelled since XX/XX/XXXX. They denied receiving anything and said that XXXX XXXX to whom I had talked to in XX/XX/XXXX was no longer an employee and they are not responsible for any correspondance between the XXXX of us and insisted on making me pay all the charges. I mailed them again another bill with certified letter this time of my new address XXXX XXXX XXXX and asked the credit card company to stop payments and to revert payments made after XX/XX/XXXX XXXX considering they should have stopped payment at that time, XX/XX/XXXX XXXX mo ). XXXX, in the event that I actually do owe them sthg still, it is definitly not XXXX $ which is more than 2 years of membership all together. I thought of contacting ABC financial but then I read about the scams of the collection agency and that even people who settled with the original company ended up by getting more phone calls and hassles. Can you please help me fix this issue once and for all? The only option XXXX fund gave me was to either pay the whole sum or get reported to the credit bureau on the spot!! and by the way XXXX is rude and practically accused me of lying to her as I complained I could n't hear her well while using a roaming service and when i asked her if there isn t a way to challenge this debt in some court or negotiate it and for her to send me something by writing, she goes : no, and if you do good luck, they re very good at getting every penny from anyone they want!!!! 
I am reaching out to you because I feel any further discussion with this company is not going to be in my favor as I have found lot of ripoff reports and complains of people who were in my situation. Thank you
My complaint is Chase Amazon Visa did not address my issue in my first complaint to CFPB and Chase Amazon Visa is attempting to increase the charges to my account by adding additional interest and late fees to my account. ( See attached document. ) I have now given up hope for a charge-back because Chase Amazon Visa does not appear to care " XXXX XXXX '' XXXX XXXX XXXX tried to swindle me out of {$180000.00}. 

On XXXX XXXX, 2015, Chase Amazon Visa wrote me that they had notified XXXX credit bureau agencies ; XXXX, XXXX and XXXX XXXX that I disagreed with the resolution of the dispute. ( See attached document. ) As of XXXX XXXX, 2015, Chase Amazon Visa had not notified these XXXX agencies that I disagreed with the resolution of the dispute. 

Instead, on XXXX XXXX, 2015, I received a statement from Chase Amazon Visa which said my " new balance '' is XXXX and asked for a minimum payment of {$210.00}. ( See attached document. ) By sending me this new statement for my closed Chase Amazon Visa account ( for the original amount of the dispute ) and not alerting the XXXX Credit Reporting Agencies as Chase Amazon Visa said they would, it appears that Chase Amazon Visa is not going report me to these XXXX agencies as they said and end this horrible situation now. 

It would appear that Chase Amazon Visa is going to continue to send me statements which will incur late charges and interest indefinitely. Then Chase Amazon Visa will sell this new inflated amount to a collection agency. By doing this Chase Amazon Visa will only make this very bad situation much worse. 

Being the victim of the attempted swindle by " XXXX XXXX '' aka XXXX XXXX XXXX to take {$180000.00} from me has left me shaken and scared. 

I caught the scam before " XXXX XXXX '' XXXX XXXX XXXX XXXX could steal any money from me and alerted Chase Amazon Visa to the situation. 

Chase Amazon Visa has done nothing to stop what " XXXX XXXX '' XXXX XXXX XXXX XXXX is doing. 

On the contrary, Chase Amazon Visa is attempting to create an even worse situation by perpetuating this attempted fraud by " XXXX XXXX '' XXXX XXXX XXXX XXXX. 

I have accepted the fact that my excellent credit rating will be ruined by inadvertently becoming a victim to con artists. 

I realized what was going on in time and did not fall for the attempt by " XXXX XXXX '' aka XXXX XXXX XXXX to bilk me out of {$180000.00}. 

However Chase Amazon Visa continues to be a part of this swindle being conducted by '' XXXX XXXX '' XXXX XXXX XXXX XXXX by not ending this terrible situation and doing what they said they would do and report me to the XXXX credit agencies. 

Chase Amazon Visa continues to be a part of this attempted fraud by sending me statements asking for payment as if nothing ever happened.
I disputed some inaccurate items that are on my credit with Equifax. It has been 60 days and I still have not heard anything from them, yet the items are still reporting on my credit
In late XX/XX/XXXXI started having problems handling the mortgage payments. I am a widow of a XXXX and a XXXX year old XXXX senior citizen. I am retired and do not make a lot of money. Between Social Security, VA XXXX Benefits and Government Retirement I am getting a gross amount of {$3900.00} a month. My mortgage payment is {$2000.00} with Wells Fargo Bank. I also have medical bills, food, home up keep and maintenance, Insurance, and utilities. I applied for a loan modification and Wells Fargo has been giving me the run around ever since. They stopped taking my payments and did not notify me of any liquidation options to resolve this issue. The keep saying that they need bank statements that I have already provided them with on numerous occasion. They told me they were waiting on me to send them a statement on why I did not finish the loan modification process and they even sent my case to a new employee to start the entire process over again. Lately the excuse is that my case is with the underwriters and they are waiting to hear back from them but the auction to sell the home is still on. I believe they have been running out time while trying to remove the house from the bankruptcy I filed in XXXX. I have no where else to go. I have had several people contact me from out of state claiming they could help litigate my case in court for a fee. My son told me that is a scam and stopped them before I signed anything and gave them any money. The auction is set for XX/XX/XXXX. Please help asap! Thank you
This is the second time I have been denied my cosigner release through Discover student loans. I have a good credit score of XXXX and I meet all of the requirements asked of them below and on the cosigner release application:1. Qualify for cosigner releaseTo have your cosigner released from your private student loan : Your loan must be a prior XXXX Loan that was purchased by Discover. 
You must be at least 18 years of age. 
You must be a US citizen or permanent resident. 
You must have made the required number of consecutive monthly payments on time. 
Use this chart to determine the number of required payments. 
Your gross monthly income must be at least {$1500.00}. 
You must have a satisfactory credit history and pass applicable credit criteriaI do n't believe that my application is receiving the attention that it deserves and Discover student loans is doing whatever they can to avoid honoring the cosigner release terms. 
I will attach my verification of income and the cosigner release document for your review. 

Thank you for your time, XXXX XXXX XXXX
My husband took a loan for me XX/XX/XXXX for a reliable vehicle XXXX Prius. He added me as a joint account holder, however due to his loss of job he filed bankruptcy XX/XX/XXXX he had to file bankruptcy on the account. I took over the payments for the vehicle but recently we were in an accident. The car was rear ended and deemed a total loss. The loan did not have GAP insurance included, there is a remaining balance of XXXX after payment from the insurance claim. I have called Toyota Financial on 5 occasions to discuss what would happen to the account because of the Total Loss, each time I called I would get a different scenario. On XXXX occasions I spoke with a representative in Total Loss Department who stated that I was no longer responsible for the balance due to my husband filing bankruptcy on the account in XX/XX/XXXX and that Toyota Financial would not be pursuing me for the balance due. On two other occasions I spoke with Total Loss Department employees again who stated I would be responsible and that they would be contacting me to make payment arrangements, once payment was received from insurance. After the initial conversations with representatives occurred that discussed my not having liability for the balance there were notes placed in the account to deter this information being communicated to me and Customer Service reps started to ask me the nature of the call prior to transferring me to the Total Loss Department. Toyota Financial is the financer and they are demanding full payment within 20 days from the date they received payment from the insurance. This request is unreasonable, and I did not agree to this. There has been not documentation or evidence presented to me showing that this is an agreed or allowable method in collecting payment. Thus far my payments have been timely so there is no reason for me not to continue paying on the balance of the loan. However, paying XXXX off is extremely unrealistic and is causing extreme financial hardship. I am requesting additional time to pay this balance in full, a structured payment agreement. This is not too uncommon in situations with total loss vehicles with balances due, Toyota Financial has not provided proof of any agreement showing where I accepted the terms of Total Loss payoff within 20 days.
Very similar to Case # XXXX but with different details of course. 
On XX/XX/XXXX I deposited a promotional offer check for {$7500.00} with a 3 % fee and 0 % promotional APR expiring XX/XX/XXXX. 

On XX/XX/XXXX I deposited a promotional offer check for {$6000.00} with a 3 % fee and 0 % promotional APR expiring XX/XX/XXXX. 

On XX/XX/XXXX I deposited a promotional offer check for {$5300.00} with a 3 % fee and 0 % promotional APR expiring XX/XX/XXXX. 

So I had 3 promotional balances. The last one expired first. 

On XX/XX/XXXX, two days before the promotional APR balance of {$5400.00} was schedule to expire, I made a payment of {$5400.00}. That was meant to clear the balance that was to expire first. The payment was allocated to the promotional balance that was scheduled to expire on XX/XX/XXXX. 

The XXXX statement shows an {$88.00} interest charge on the balance that expired on XX/XX/XXXX amd no balance for the portion meant to expire on XX/XX/XXXX. 

I called Bank of America and their rep, XXXX, explained that their policy is to allocate the payment to the balance that started first, ( which still had two months left at 0 % ) and not to the balance that was expiring first ( which was in two days ). 

This is not explained anywhere on their offer. It also makes no sense. If I would have waited until the balance expired I assume it would have allocated correctly according to law. 

This was not acceptable. I asked to be called by a supervisor, but received no call as of yet. 
I have since scheduled a payment for the interest accruing balance, but do not know the final amount I will be charged.
XX/XX/2018 I went to the XXXX XXXX XXXX branch of XXXX XXXX XXXX to withdraw funds in the form of certified checks that I needed to sign an apartment lease. The bank employees told me that there were technical issues and they could not issue me the certified checks. They would not issue money orders and did not have the cash on hand. They said the other branches had the same technical issues. 
When I got home I tried calling their customer service number repeatedly and it would hang up on me. I tried to access my account online and kept getting an error message. 
This morning, XX/XX/2018, I called the XXXX branch to ask if the issue had been resolved and they told me it had not. I continued trying to contact their customer service and each time I am cut off. 
I do not understand how a bank can refuse me access to my funds and other basic services for multiple days. Also, they should at least be able to address my concerns through Customer Service or at the very least send out a communication to all customers that there is an issue and they are working to resolve it.
LETTER DATED XX/XX/XXXX ( I RECEIVED THE LETTER XX/XX/XXXX ) ADVISING THAT MY CREDIT CARD HAD BEEN TERMINATED. WITH NO REASON WHY??? THE ACCOUNT WAS CURRENT, PAYMENTS UPTO DATE, A VERY SMALL BALANCE. 
THE CREDIT CARD HAD A REWARDS BALANCE OF OVER XXXX POINTS WHICH IS EQUIVALENT TO {$1500.00} WHICH HSBC HAVE REVERTED BACK TO XXXX. 
I HAVE TRIED SO MANY WAYS TO OBTAIN WHY THIS HAPPENED, HSBC HAVE MOVED ME AROUND SENDING ME TO THE LOCAL BRANCH WHO WOULD NOT FIND OUT OR EVEN KNOW WHAT TO DO. I HAVE TRIED TO CALL THE CORPORATE OFFICE, NO ANSWER. THEY HAVE TOTALLY MADE ME FEEL ABUSED, DISCRIMINATED AGAINST LIKE HAVE DONE SOMETHING WRONG. NOT ABLE TO FIND OUT IF THE BANK HAS BEEN GIVEN SOME WRONG INFORMATION, AND WHY THEY WOULD DO SUCH A THING. 
I NEED HELP TO FIND OUT HOW AND WHY A BANK WOULD BE ALLOWED TO DO SUCH A THING WITH NO EXPLANATION. 
LOOK FORWARD TO HEARING FROM YOU.
I am being charged interest from a 12 month interest free account with Zales Jewelers. I returned the ring only having it for 3 months, the ring was apparently defective, durning the 3 months, I had complained the diamonds were loose, then fell out..the ring was sent out for repair. I hardly had my wedding ring in my possession, so even after repair the diamonds fell out again, at this point, I Returned the ring and loose diamonds, and purchased a new & different ring ( # XXXX ring also placed on a 12 month interest free promo. ) The purchase amount of the returned ring continued to show on my billing statement throughout the year, and on 12 month promo, showing XXXX promos on my billing statement, XXXX was returned, I have called, complained, filed disputes, also faxed " return receipts '' to the disputes department as directed by their customer service associate, then when the first ring promo was up..I was then charged the years worth interest XX/XX/XXXX, I have filed several disputes and complained to the local Zales store, spoke with the manager XXXX, she also called the Comenity Zales credit card services, and once again, they said they had to file a dispute..I was told by XXXX, Zales Manager, they could not help me with this problem that the invoicing shows different on Commenity credit services, on their computer?? ( I faxed the receipts to Comenity ) and still sends me a " sorry your on promo and charged correctly ''. XXXX Zales manager also says the charges are incorrect. I also had to make a double payment XX/XX/XXXX, being told if I did not make a payment they could report me for having a dequlient account. Please help. I can give you receipts of the return and purchase..also dispute rejection letters..they always say give me 60 days, then it 's the same thing..rejection of the disputes! I was told by XXXX during the ring refund they could not refund the extended protection plan. So I have paid for the extended protection plan on both rings. 
XXXX of the returned receipts show " cash '' given back, I did not receive any cash, XXXX ( store manager ) can confirm, she called Commenity and let them know I did not receive cash, XXXX return receipt says " return '' XXXX receipt says exchange ''. The receipts are very confusing. 
I have all of my billing information, receipts.
I received a call from XXXX saying I owe money on a bail bond. I told him I have n't taken out any bail bonds. He gave me an address ( it was wrong ). He then asked me for my birthdate. I said I would n't provide. He made some snide comment about sending me a birthday card and then told me I 'm not cooperating and hung up. I 've tried to call back but no XXXX answers. I do n't know if this was scam or not, and I ca n't get anymore information since they wo n't pick up the phone.
XX/XX/XXXX, I noticed charges on my Citgo credit card, managed by Syncrony Bank, were pending in amounts higher than actual charges. We questioned the gas station manager and were advised that Citgo was now imposing a {$30.00} hold charge on every transaction for 24 -48 hours until the actual charges were processed. I called Syncrony bank and advised that the " pending '' charges were being imposed by Citgo. I call Citgo and advised the charges were a result of a new business takeover and began in XXXX. I advised that this was unfair since my account was reflecting the " pending '' {$30.00} charges for 48 - 72 hours in addition to the actual gas purchases made thus tying up credit and effecting my overall credit availability on the card and as a whole. Attached is my recent on-line billing activity reflecting {$30.00} pending dated XXXX and XXXX. Both purchases were made but only for {$12.00} and {$17.00} ( also attached ), respectively. In addition, the on-line bill reflects both the XXXX actual and pending charges for a total of {$42.00}. Up to XXXX, only the actual gas/merchandise charges were " pending '' until they were applied to the account reflecting a true and accurate balance due and credit available on the account. Now, substantial credit is tied up by these bogus " pending '' charges and to add insult to injury the " pending '' charges are reflected on the account for the same purchases for 24-48 hours after the actual charges have hit.
On or about XX/XX/2017, Portfolio Recover Associates ( PRA ) reported me to the credit bureaus for a debt it claims I owe. 

PRA and I have corresponded several times since its initial contact. Within 30 days of its initial contact, I requested PRA to verify the debt. PRA produced conclusory information. I subsequently notified PRA that it had not satisfied its duty to verify the debt. PRA subsequently sent additional documentation which still fell short of the standard required to ( 1 ) establish that a debtor-creditor relationship exists ( by producing of the contract or judgment against me ) ; ( 2 ) establish the amount of the debt ( by producing an accounting of the charges ; and ( 3 ) establish that PRA was authorized to collect the debt ( by producing an assignment or agency agreement ). 

To date, PRA has only provided a partial accounting for what it purports to be a debt. Its allegation cite a third party as the creditor, and PRA has neither provided evidence that the purported original creditor has a claim against me via contract or court order, nor provided evidence that it is authorized to collect the claim alleged against me. 

In short, PRA has not verified that a debt exists, the amount of that debt, nor that PRA is legally permitted to collect it. I have sent multiple letters to PRA detailing what I ( or any court of law ) would require to prove a debt exists. Nevertheless, PRA has refused to acknowledge the additional detail and continued to purport to verify the debt by producing incomplete information and self-serving conclusory statements of its authority to collect the debt ( without providing any evidentiary support ). 

PRA has not satisfied its duty to verify the debt, yet it has proceeded to report my account to the credit reporting bureaus. I have filed disputes with the bureaus, but the collection accounts remain on my credit reports.
I am making a compliant on Select Portfolio Servicing , Inc., regarding my loss mitigation process. Back on XX/XX/XXXX, I requested for a loan modification and since then, all SPS has offered was giving me the runaround with request of the very same documents they have already received. And I ca n't began to tell you how many times I had to start the loss mitigation process over again as SPS would let the requested documents submitted age out and then put the blame on me stating they did n't receive them. I never got a call nor did SPS send me a letter describing what additional documents they needed to move forward with review of my loss mitigation. And they did not ever send me any updates on the status of my review for loss mitigation. 

The date I last submitted documents requested by SPS was on XX/XX/XXXX and I still have n't received any outcome of that loss mitigation, not to mention these were the same documents I have sent in multiple times so I feel that SPS has intentionally prolonged the review process. 

However, SPS did n't have a problem sending me a default letter dated XX/XX/XXXX wherein it 's stated there are options available for me to stay in my home, one of which is loan modification. This is not only confusing but it is deceptive, abusive and unfair. I have diligently provided any and all documents requested by SPS yet without completing my latest review, XXXX XXXX from SPS in a phone call on XX/XX/XXXX, stated that my account has been referred to a foreclosing attorney. How can they be reviewing me for loan modification at the same time they are initiating foreclosure? As I understand it, this is Dual Tracking and it is illegal. 

My hardship started when my husband XXXX got ill and since, he has unexpectedly passed away. This has been devastating for me and my son this past year. I am doing my best to cope with each day without the additional heartache of having to deal with SPS on a matter which should be pretty cut and dried. They are grossly negligent in their process of reviewing me for loss mitigation and I feel they have no system in place to follow the rules and regulations of CFPB or they just do n't care. SPS seems to take no accountability for their actions and I feel how they treat borrowers like me is of no importance to them ; that they are completely insensitive to the chaos they cause in one 's life by all the misinformation and the runaround from the account representatives. 

I kindly request that I be awarded a loan modification as SPS has failed to review me in a timely manner and they did not follow the process of loss mitigation by following the Making Home Affordable guidelines.
The dept is past the statue of limitations. The Collection Agency Real-Time Collections and the original creditor XXXX XXXX XXXX has the incorrect date of delinquent and payment default. I 've contacted all parties ( in writing ) in XXXX and XXXX.. most recently on XXXX including the Credit Bureaus XXXX and XXXX  with the correct date of payment default which is XXXX. No one will acknowledge or provide me with proof, just keeps stating the dates on file are correct.
I opened a TD Premier checking account on XXXX XXXX, 2016, using a special web page offer for a bonus of {$300.00}. I have complied with all of the terms of the offer : I am a new personal checking customer, and I have had a cumulative direct deposit of {$2500.00} or more within 60 days of the account opening. The bonus should have posted within 95 days of account opening, which is today, XXXX XXXX, 2016. It has not posted.