WillisBack/dataset-financial-user-claim huggingface dataset:
I got a call from XXXX at Transworld Services at XXXX. Said my daughter owed money for a XXXX for contractor work. Checked and the XXXX is several states away and has no file on my daughter. Furthermore, my daughter is XXXX years old and mute and therefore can not order anything. Told this to " XXXX '' and she was adamant about getting my information to pay this imaginary dept. I asked if I could contact her and she gave me a different number : XXXX.
My parents who are both deceased left this property XXXX XXXX XXXX XXXX, XXXX XXXX, FL. XXXX to me XXXX XXXX XXXX and it was foreclosed on XXXX XXXX, XXXX : Foreclosure paperwork was done. On XXXX XXXX XXXX my son who is not on the mortgage. This mortgage has been sold over and over. I try to do the modification for the XXXX 6 months with no success. I hired XXXX XXXXXXXX on XXXX XXXX, XXXX to do the loan modification for me. And the modification went through the trial. Then XXXX extra month of payment, then they put me through a second trial. Hopes of getting a modification. The payment went for {$710.00} ( 3 ) month, {$810.00} ( 1 ) month, {$1000.00} ( 1 ) month, ( 3 ) month {$1000.00}. Add it up with homeowner insurance. Had me jumping through hoops to get a XXXX point and wind mitigation inspection. Still did not accept the low cost insurance I found for myself. Helping families save their homes Act of XX/XX/XXXX XXXX. When I started out I told all the attorneys I do not want to lose my parents ' home and the family house with have both been in this family for over XXXX yr. I got a phone call this weekend about the insurance I put in tell me singe some page work that was email. But when I went to the email no paperwork was there. Last month I pay no payment because the later payment was paid in XXXX XXXX. I was toll look for the final modification papers in the mail by my lawyer, as of today I have not received any paperwork. Every payment has been more than the {$940.00} you see on this monthly mortgage statement that I will send to you when you ask for documents. Since I did the first complaint PennyMac has send me the new find modification with is unreasonable because I had a 30 years fixed rate 8.450 % at {$940.00} mortgage payment total left {$120000.00}. Now it 's up to $ XXXX and a 40 years payment {$920.00} interest rate 3.875 %. a officer to reduction of {$22000.00} the anniversary of your XXXX trial period payment date for three years. If I do not want principal forgiveness, I may have other modification options. Yes I would like to know what the other options are at this time. Did not give my time to take to a Real Estate Attorney to look this over.
I have been in recent communication with a company by the name of Resurgent Capital Services Since XX/XX/XXXX. This company claims to be managing a collection account on behalf of XXXX XXXX. In their correspondence, they stated that this debt was acquired from two different companies. One by the name of XXXX XXXX, XXXX and the other by the name of XXXX, XXXX. I requested validation of this debt that included the name and address of the original creditor, a copy of the original contract or judgement, and full record of statements so that I could validate the charges on this account. I also requested the Chain of TitlXXXX and purchase agreements showing all of the agencies said to have had legal ownership of this particular account. I requested this information more that twice and Resurgent Capital Services/ XXXX XXXX has not provided any proof of validation or legal ownership of this account. However, they continue to try and collect on this account and are still reporting this alleged account to my consumer reports. I have been disputing this issue with the company directly as well as the three major credit bureaus since XX/XX/2018 and have done all that I can to get this account verified. This company is in direct violation of the FDCPA as well as the FCRA due to continuous collection activity and credit reporting without validating this account. This company has only sent me two credit card statements and an account summary prepared by their office. One of the statements didnt list any charges at all, just a total balance. This company has not verified that this account belongs to me and was opened by me ( through a copy of the original contract ), nor have they proven legal ownership of this account ( through a copy of the Chain of Title and purchasing agreement ). I have attached all of the correspondence between myself and Resurgent Capital Services/XXXX XXXX XXXX for your review. 

Please have this company cease all collection activity and reporting until they can provide all of the validating proof including ownership of this account.
On XXXX XXXX all my inquiries where deleted. I logged back in a couple days later and my score dropped tremendously.
I had placed a mobile deposit of my payroll check with my cell phone. Wells Fargo had sent me an email saying that my deposit would be delayed. Because it was a mobile deposit I did not think much about it and checked my bank the next day. Funds were not available and the deposit was showing as being held. I called Wells Fargo customer service to inquire and they told me that they had reported my mobile deposit as potential fraudulent activity and that my own funds from my paycheck would not be available for 7 to 10 days. There was nothing that would have indicated the check was fraudulent. The check was made out to me and Dorst by me and was from my work. Now I will have no paycheck for 3 weeks since I am paid bi-weekly. How am I supposed to live and pay my bills? Nobody at Wells Fargo could help me or cancel the deposit and it seems unscrupulous than I am being held hostage by a financial institution. I have no recourse and nothing that I can do.
As a loyal customer of Santander Bank, I am not happy that I had to hear from another Bank that Santander had a privacy breach. As a customer I would expect Santander to notify its customers, but instead I need to hear the news from another Bank that received a privacy breach letter from Santander. The letter another Bank received discussed the following : On XXXX XXXX, 2016 Santander Bank sent an image cash letter file to the FRB and the file did not have a correct alignment of the data to the image records and as a result, it is possible that check images from the file were viewed by third parties or unintended recipients of the check images. Being a resident of the state of Massachusetts where privacy is taken extremely serious and being a customer of Santander, you would think the Bank would notify its customers that such event occurred or let them know the event occurred and their information is safe whether an image of their check or information was viewed by a third party or not. 
I have been highly unsatisfied with Santander 's customer service recently and this just puts the icing on the cake in terms of me taking my deposits elsewhere. I do not see how this Bank could keep me as a customer at this point. Recently, they decided to take away my XXXX checking account with no reason on why the product was being cancelled even after I asked to be contacted. They even went to the level of being unfair and deceptive in terms of only offering {$150.00} to new customers of their simply right checking product which is what they are putting me into after closing their extra20 product and told me that existing customers do not qualify. So they are forcing me into a product I do n't want and not offering me a bonus because I am not a new customer. None of this makes sense. You would think that they would offer existing customers something after forcing them all out of a product. You would even think they would grandfather customers into the product to not lose them or get to the point where a complaint has to be filed because the Bank is becoming unfair and deceptive to its customers. 
If Santander wants to win my business back they should be notifying their customers about this breach and always honoring their customer requests to keep them in products they are discontinuing. The Bank should be fair to its customers and not try to deceive them as well. If they can not do this they are just turning into a XXXX XXXX and will wind up in the news in a negative light for being unfair and deceptive. I am sure I will not be the only customer to complain or approach the news stations on this topic. 
I hope the CFPB and regulatory agencies can assist in this matter and force Santander to clean up its act.
On XX/XX/XXXX I took out a loan for XXXX. I called today which is XX/XX/XXXX to find out what is my payout amount and date since they have taken the information off their website. At first she told me that I had 2 more payments and the last payment is on XX/XX/XXXX, I told her that that does not equal to 2 payments, that equals to 4 payments, then she changed and said the last payment is on XX/XX/XXXX. I requested to see the documents but they are telling me they are going to forward it to another department and I should receive the information via e-mail sometime today or tomorrow. There is a lot of inconsistency with the business attempting to get more money from me. Again, they have blocked me from seeing the information online on their website, such as the loan documents, ect. I just went on their website and at the bottom I noticed is states that it don't give loans to people in Virginia, Well!! I am in Virginia. something is not right with this company!!
I have had many on going issues with the honesty and transparency in regards to Huntington bank. I have seen instances of being double debited by te bank on menial debits but have since added up to XXXX ( the ones I have caught ). y second complaint to which I have wrote in the past is My card was double charged by a vendor I have filled out XXXX investigations and never hear anything from the bank and the customer service is horrid when I call. The charge was XXXX and you can see XXXX charges same amount. Nothing was ever done.
I received a telemarketing call in  XXXX   XXXX  selling magazines, which was recorded, I refused to take the subscription when I was told the price and refused to provide my billing address. On  XXXX   XXXX ,  XXXX ,  Interstate Recovery Service  called me to collect a debt, stating they mailed a letter on  XXXX / XXXX / XXXX , which I did not receive, advising of the debt. I spoke initially to  XXXX  and relayed that I did not purchase the subscription, had never received a bill or any magazines and did not owe the debt.  XXXX  told me that this would be a refusal of payment and proceed to further action. She would only give me the name of the original creditor as "  XXXX ,  XXXX  '' and no contact information. I came to this website for further information and called  Interstate Recovery Service  back to obtain their contact information to formally dispute the debt in writing. I spoke to  XXXX , I was told that I could not dispute the debt because there was a recording of me accepting the debt, I explained that I refused the offer when I was told the actual price and did not give my payment information. After being placed on hold,  XXXX  finally gave me the mailing address of  Interstate Recovery and verified the Tracking Number  of  XXXX .  XXXX  told me that they would still be pursuing the debt since I refused their offer of settlement of {$780.00}.   The total amount of the debt is {$1100.00} for magazines I never received or agreed to purchase. I again explained do not owe this debt and therefore would not pay for something I did not owe.
I called Chase Bank to cancel my Chase United Mileage Plus credit card. They had just applied the {$95.00} annual feel for 2017 to my bill. I had n't used the card in some time so i canceled the card. I asked for a pro-rated refund of my annual fee but both the customer service agent and their supervisor refused to do so. So Chase is keeping my annual fee for a card which has been canceled. When I have canceled cards from other credit card companies, I have always received a pro-rated refund. Unfortunately, Chase chooses to have a different level of customer service which makes it a bank I will choose not to do business with in the future.
I had XXXX Bank of America savings accounts. Both had a XXXX in them, and I really did n't check them very often. I checked XXXX last week because I noticed the balance looked lower than it was before. It turns out that since XX/XX/XXXX, Bank of America had been charging me a $ XXXX monthly maintenance fee. They said to avoid the fee I could have a balance of over {$300.00}. I was annoyed that I was being charged the maintenance fee since XXXX and only just now realized it, but it was n't a big deal to me as long as the fee stopped from now on. Yesterday, I checked the account to find another {$5.00} maintenance fee. This time, I called Bank of America because I did not even want the savings account anyway. I spoke to them, told them it was dishonest to charge this fee without letting me know, and that I wanted to close the accounts and get a credit for the fees since XX/XX/XXXX. The customer service was incredibly nice and helpful, closing the accounts as I requested - but they said only the fee from yesterday could be reversed. I 'm a little annoyed about this and why I was n't informed, but they said they informed me on my statement XX/XX/XXXX that charges would start taking place after XX/XX/XXXX. But first, charges did n't take place until XX/XX/XXXX ( they said there is a 3 month grace period ) ; second, it was on the very last page of a XXXX-page statement ; and finally, I do n't actually read my statement because I do paperless statements so there 's never a reason to do it. To make things worse, they had actually changed my checking account a few months ago and sent me a specific email saying they did that. Why did n't they do the same for the savings account? Customer service implied that the regulations say they have to do that for checking accounts but not savings accounts. That is dishonest and a terrible way to do business.
Consumer Name : XXXX XXXX XXXX Date of Birth : XXXX XXXX, XXXX Consumer Social Security Number : XXXX Consumer Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX There is a fraudulent credit inquiry on my credit report submitted by XXXX XXXX XXXX on XXXX/XXXX/XXXX. 
In accordance with the Fair Credit Reporting Act, an entity may NOT procure a consumner report, or cause a consumer report to be procured, unless the consumer has authorized in writing authorization in the procurement of the report. 
It is my legal right do demand immediate removal of such credit inquiry by XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX from all credit reporting agencies. According to FCRA 616, Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] can and will be enforced. 

If XXXX XXXX XXXX feels otherwise, provide all forms of communication proving the credit inquiry authorization directly to myself, the consumer, XXXX XXXX. It you can not remove immediately.
There are 2 Accounts listed erroneous by your company. I am disturbed that you continue to list a dismissed file bankruptcy as confirmed. I am aware that you receive your information from a third party verification system known as a XXXX  XXXX. This system is sometimes inaccurate because of the limitations of providing a complete social security number. Although it is your policy to keep reporting bankruptcy that is filed dismissed or adjudicated for 10 years, The Fair Credit Reporting Act mentions nothing in section 1681 ( c ) relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order for relief. Any case civil or otherwise which is dismissed no longer exists in the eyes of the law and the case file may have never been adjudicated. You have no right to obtain information which the government had deemed non existent. It is only fair that in accordance with section 1681 ( a ) of The Fair Credit Reporting Act you delete this from my credit report and send me an updated copy considering it does not require an investigation i would appreciate your response within two weeks from the date you receive this letter.

Sincerely XXXX XXXX
I searched XXXX for washer repair, had company come out to do repair, 2 days later same repair broke again..orginally wrote check out to XXXX as instructed by driver ... when trying to find company again i was unsuccessful..i continously searched for company so they could come back out to repair my machine again..no luck ... check my credit to see a collection from the company for check not clearing i informed them i have been looking high and low for orginal company ... original company never reached out to me via mail or phone in regards to debt. I never was given opportunity to correct or explain what issues i had debt was just placed on my credit without any form of communication..i have been trying to get employment and this same collection keeps coming up and its not fair that i wasnt told anything by orginal creditor ... contacted collection agency with resolution to just pay to delete because this is hendering me and they refused payment ... i dont think this is fair when i never was givrm an opportunity to correct issue at all
Chase Bank  Consumer Complaint Division Legal D epartment  XXXX   XXXX   XXXX   XXXX ,  OH   XXXX   Re  : Release of Monies From Deceased Fathers Account to Surviving Spouse ;  XXXX   XXXX   XXXX   Chase Ba nks excessive delay in transferring monies from my deceased father 's account to his surviving wife,  XXXX   XXXX . My father passed on  XXXX   XXXX ,    2016.      The initial request for the transfer was made in  XXXX     2016, by me , in person, at the Chase branch in  XXXX , CA, where my father opened his account. It has been  10 months since the initial request and 11 months after my beloved fathers passing.      My mother is  XXXX   XXXX   XXXX . Due to  XXXX  and  XXXX  problems, she is  XXXX . She requires costly   XXXX   XXXX   I am my mother 's health advocate and have Durable Power of Attorney to act on her behalf on all financial matters. I have also retained the services of an attorney to handle the estate of my father. She has also made several attempts to accomplish the transfer.     My parents were married for  XXXX  years. In the months prior to his death, and with the knowledge that he did not have long to live, my father worked day and night making home  improvements  and financial arrangements to ensure my mother would be safe and secure in their home. I made a promise to my father that mom would receive the best of care.     Chase has stonewalled the release of much-needed funds by making duplicate requests for documents already produced and recently claiming documents were not in the system. The delay has impeded not only the estate proceedings but also created undue burden and   XXXX   in my ability to provide critical care for my mother.
XXXX XXXX XXXX XXXX has put me in a home that I could never afford but yet they took all my down payments etc and told me I could. My previous house payment was {$380.00} they put me in a home with a {$690.00} house payment which I do not make enough. I haven't even paid bills yet of which I do not have the money. They said I could afford it and I believed them I put in a complaint to you going 2 months ago and you have not given me an answer. I'm sure they are refusing you info like the do me.
My name is XXXX XXXX and I am XXXX years old. In XXXX 2015 I received a phone call from XXXX saying my computer was ready to crash and needed protection. It scared me to think it might crash and I would lose everything. They said they could fix it, and protect it, if I purchased their program. I accepted their advice, and offer, and used my XXXX card as payment. However, after thinking about it, I did not have a good feeling and worried it was a scam. The very next morning I spoke with XXXX and XXXX to cancel it and issue a credit. XXXX was not happy I wanted to do that, but said it would be done. I spoke with XXXX and they issued a pending credit, which showed on my last statement. In late XXXX we moved and I no longer even have that computer. 

I just received my most recent bill and the credit was reversed. Both I, and my husband have been on the phone with XXXX and XXXX today trying to resolve this. We called XXXX first and they said to call XXXX. I then spoke with a woman there who said it had been cancelled. She connected me to someone else, but i was disconnected. 

We are looking to you to get this resolved as soon as possible. Thank you.
Today after years of saving and smart planning I called Freedom Mortgage to pay off my mortgage balance and they would not take my payment. Next, the want to charge me {$30.00} to have someone from the escrow department calculate my payoff amount and then they are supposed to send me an email me next week with a payoff amount. At that time, I then have to initiate a wire transfer from my bank in that payoff amount before a certain date. 

Payoffs are extremely easy to calculate and being charged an additional fee and additional interest charges to purposefully delay my payment is criminal. Your software can do that instantly and you can take an e-check instantly online or over the phone but they refuse to do it. 

they should be prosecuted for this business practice. This is intentional fraud to dissuade pay offs, keep customers in debt and nickle dime them for additional made up fees. 

Terrible. 
-XXXX
I attended XXXX and agreed to pay towards a loan while I was in school in order to remain an " active student ''. I agreed to pay this loan so that I may receive an education. As of XX/XX/XXXX, the school closed down. With the school closing down I unfortunately did not receive the purposed education. I am no longer attending school and have been asked to make payments starting XX/XX/XXXX. Because I was unable to finish, and I did n't receive an education, I do not believe I should be expected to repay any amount of that loan back.
I have a debt owed that I am being sued for. A payment plan was set up in XXXX and a payment amount was agreed upon between the debt collector, myself, and IN Charge debt solutions. The creditor stopped payment without notification on XXXX. They are now seeing me for the total amount of the bill and not taking the {$210.00} we payed into account. They are also using a different name other than the company we payed ( A lawyer ) So we write a personal check to this Lawyer but when he cashes it the check clears at the original company ( Credit Bureau Data Inc. ). They are now still seeking the total amount even after I have provided proof to the court system.
My bank is charging overdraft fees erronously and instead of fixing the problem they are sending me back to the branch. 

I initially had an overdrawn account but went into the branch and made a deposit to bring my account positive. I have included the reciept that shows I had a positive account, later that night i get a email saying i have overdraft fees. When I call to address the fees XXXX the supervisor directs me to go back to the branch to rectify the problem. 

Overdrawn -XXXX made deposit of {$460.00} in branch made 2 additional deposits of {$20.00} each Bringing balance to {$27.00} then around XXXX i recieve notice of overdraft and nobody can explain how.
XXXX/XXXX/2015 received via mail a letter stating I am past due on a loan with Ace Cash express. 

I have never had a loan or any other dealings with Ace Cash Express. 

I called the number on the letter. Credit department acknowledged that it was a fraudulent loan. From what she told me this was an internet loan. An internet loan : Really. Hard working Americans ca n't get a mortgage and they send money without even knowing who they are giving the money to.