WillisBack/dataset-financial-user-claim huggingface dataset:
Complaint against XXXX XXXX and Bank of America : My bank today took money off my credit card after placing it back when they received original complaint from against XXXX. 
Per the Bank it found no reason to take money from XXXX. Most important I was told I missed the XXXX closing date. No one said there was XXXX! Per Bank their investigator saw in XXXX materials that a refund can be given on the sleeping car portion that I asked for BUT XXXX said " I elected to take a voucher '' No I did not. If I had not been calling the Bank how would I have know of this? Bank sent me copy of XXXX first response XXXX page of its XXXX pages sent. I have no idea what there full response was therefore I could not respond to it. Bank said that 's it. Bank has my mortgage, credit card. I guess I have to continue the fight and think about separating from the Bank. When I asked for XXXX number I was given the computer ticket lady. What can your Agency do?
After many years with XXXX with a {$14000.00} line of credit that was paid off many times.The loan payment was dependent on the amount i borrowed, sometimes the payment was {$100.00} but as much as {$270.00}. I ran into problems in XX/XX/XXXX due to the economy. I struggled and pulled through. Although, XXXX did not and sold of my liabilities to Springleaf. I was paying Springleaf {$280.00} monthly. The principal never moved and was always at the same amount or increased. As things got better I paid on time more often. Although my loan never really was paid down. The amount i paid over time has totaled XXXX times since XX/XX/XXXX. I then paid off {$10000.00} and brought the line of credit down to a manageable {$4000.00}. I received my next bill without a change in payments. I called Springleaf and they did not have an answer although my contract states principal paydowm should be XXXX % of total. not some made up amount Springleaf wants. The line of credit should be {$130.00} per month with a {$4000.00} balance. This includes principal and interest. They made money on me and now that i am able to repay things Springleaf is trying to squeeze me. I spoke with a manager that had no idea what she was doing. I am easy going and she was polite. She still had no idea how to come up with the calculation. I hope you can help. Thank you
Company calls me three to six times a day even after telling them I can not make payments due to lose of work over XXXX. I admitted that I may not be able to make payment arrangements and may have to file for bankruptcy. I still get called three to six times a day from XXXX to XXXX.
In so much that on XX/XX/2018 Chase XXXX did deny access to our account # XXXX ; and in so much that, per instructions on the web site, a phone call was placed to Chase customer service ( and that call was recorded ) to be issued a code for secure access ; and in so much that Chase customer service refused to issue such code ; and in so much that multiple secure emails have been sent, and received, notifying Chase of the cardholders blocked access to make payment ; and in so much that Chase has, after 3 business days, been unable to rectify and restore cardholder access as Chases customer service reports no ability to access said account ; the remaining balance due is hereby ( under both state and federal law ) exonerated. 

These finding as described are now a matter of record for the courts to hold should Chase pursue any legal action in any attempt to collect the remaining debt now exonerated to the cardholder. 

We retain proof that Chases web site permits unrestricted access to one of 2 accounts we hold, but does not permit access despite utilizing the same web site and identical protocol format. 

Furthermore, denied access to the cardholder is a breach of Chases terms and conditions. In addition, the cardholder now files with the following agencies relative claims as follows :
I 've been a c lient of Capital One for  over 5 years. On  XXXX   XXXX     2017  while checking in to a hotel both of my credit cards were declined. I ca lled Capital One customer service. They said there was nothing they can do at the present time and that I wo uld have to wait till the morning for another department to open. I told the cu stomer support representative that I was in the middle of nowhere and was trying to check into a hotel. I was forced to sleep in my car. The next morning I called customer service and spoke to someone at the executive d epartment. They told me that a letter was sent out on  XXXX   XXXX  and on  XXXX   XXXX  they closed my account. What major company does that t o Consumers and give them no fair warning they are closing their accounts. What if I was out of the country stuck with no money. This should not be legal for them to do this to me or any other client they have. There should be a class action lawsuit against them. I never missed a payment and over paid my monthly minimum payments. Sometimes I make double payments.
Re : Complaint : your file number XXXX I applied for {$1000.00} over-draft protection. Days later the assistant bank manager at the XXXX XXXX XXXX, XXXX, New Jersey personally told me while I was in her branch bank, " I have good news for you, XXXX XXXX. Your application for {$1000.00} over-draft protection has been approved! '' Some days later the bank branch manager of the XXXX XXXX XXXX, XXXX, New Jersey told me, " XXXX XXXX, the approved application for {$1000.00} overdraft protection has not be connected. You may be have to pay a fee for two checks for insufficient funds. '' They are check numbered XXXX for {$80.00} and check numbered XXXX for {$400.00}. 

I told the branch manager that I refuse to pay the insufficient funds fee of {$36.00} for each said check. I told him that it was his bank 's fault that the overdraft protection had not been, to use his word, " connected ''! He said he would look into the matter and get back to me that same day. He never got back to me. 

Yesterday I received notice from XXXX XXXX XXXX that I am being charged {$36.00} for check XXXX for {$80.00} and that I am being charged {$36.00} for check XXXX for {$400.00}!
On XX/XX/2018 I attempted to submit a {$300.00} payment to USAA for my auto loan. But I received an error stating " Currently we are unable to process your payment due to a system error. Please submit this payment later. ( XXXX ) ''. I reached out to USAA online support directly after receiving the error and they stated " XXXX XXXX : Good to hear! I apologize you are unable to make a payment to your loan. We are currently experiencing technical difficulties. Our technical specialists are fully aware and are working aggressively to resolve the issue. I apologize for any inconvenience this has caused you. I do not have a timeframe of when this will be fixed, however, please check in within 1-2 hours to resubmit your payment ''. So the next day XX/XX/2018 I made a {$300.00} payment for my auto loan. On XX/XX/XXXX I checked my bank account and seen two withdrawals listed on my account history for XX/XX/XXXX and XX/XX/XXXX. I contacted USAA to make them aware of the situation and provided them my external bank records to show the multiple withdrawals of {$300.00}. USAA stated initially they didn't see the payment, But then stated that they could see it, but it did not post to my auto loan. USAA called my external bank ( XXXX Convenience XXXX with me on the phone to get the tracer number ( XXXX XXXX XXXX XXXX XXXX ) for the {$300.00}. I asked USAA for a provisional credit the say no and they also stated they could not reverse my auto loan payment because it would make my account delinquent. On XX/XX/2018 I filed a claim with my external bank for the {$300.00} and I was credited the next day. But USAA reversed my car payment making auto loan delinquent. I didn't know they reversed my auto loan payment until USAA called me Saturday XX/XX/2018 asking for payment. I was transferred to executive resolutions where they stated they don't know why it was reversed and should not have been reversed. XXXX with USAA 's executive resolutions said she reached out to the back office and they researching to see where the funds went. Also stated that I could not get my money back until they see which department it went too. On XX/XX/XXXX XXXX called from USAA stating they located the funds in a back ledger and they were being processed back to my auto loan backdated to XX/XX/XXXX. She said it would take 24-48 hours. On XX/XX/XXXX XXXX XXXX called stating that the back office is having trouble locating the funds and asked for a tracer number which i told her that its in their system because we called and got it previously. She quickly looked it up and seen the tracer number. She said she would forward the information for further research to the back office. I called USAA XX/XX/XXXX to ask about for a status update of the {$300.00} and was told they have no information.
Phone voice mail call received on XXXX XXXX from a " XXXX '' said he works for a company " First Source Advantage, LLC '' in regard to a unpaid debt. He left a callback number XXXX and a case number XXXX. 

I am a federal employee and have been involved in XXXX data breeches over my carrier. My SS number was used in a fraudulent tax return in 2013. 

I researched this company and it has been associated with fraud. Contacted FBI and they referred me to you.
The original debt was charged off in XXXX, and is not even on any of my credit reports. How can a charged off debt over 10 years old be purchased? It was not purchased and this collection post is a complete fraud perpetuated against Experian, and an abuse of my rights under FCRA and FDCPA. The attached post on my credit bureau claims that a debt was purchased by a third party. At no time from my initial dispute was a debt validated. Under Federal Trade Commission guidelines, a debt must be proved, showing actual hard copy transfer. That does not mean a letter of transfer, but an actual transfer with signature backup. The debt purchase industry is the largest scam ongoing against the American consumer. Both the collection agency/debt purchaser are in violation of their subscriber agreement with every credit reporting agency. At no time was the debt validated, and the initial timeline from the original creditor has been cut off, and thus the debt is illegally being re-aged to benefit both the original creditor and the illegal debt collection process. Both the original trade line must be removed along with the invalid collection process. This problem will continue to exist since the XXXX XXXX XXXX XXXX XXXX Supreme Court decision of XX/XX/XXXX, whereas the third party purchase voids the individuals rights under the Fair Debt Collection Practices Act. Since there is no proof of true hard copy transfer and ownership, the collection is VOID and the collection process must cease and my file for both accounts must purge. These items must be deleted permanently and my files need to be purged. My information was obtained through a debt pooling process that should be terminated by the Federal Trade Commission. XXXX XXXX has committed a fraudulent act by even posting my antiquated information and there should be sanctions taken against this company.
Well, they 've all come out of the woodwork since we 've filed chapter XXXX - XXXX ( atty for all ) ; XXXX, Selene Finance, XXXX. All trying to get a piece of the pie. As I 've informed you in prior correspondence, this mortgage was fraudulent from the " getgo ''. Charges on my mortgage statement were unverified ( i.e., no trustee ( non securitization from XX/XX/XXXX thru XX/XX/XXXX ), no deliverance of deed ; no title policy, and an impostor posing as the lawyer of record for closing ( a letter should be in your file from the closing atty reading he was not present at the closing and he denies the signature being his - FRAUD ). I 've tried over the years to explain these fraudulent acts to XXXX, Selene, and now XXXX ( though we have not received anything personally from XXXX and no Assignment is listed in the county clerk 's office. ) The only letter I received with anything to do with XXXX was a letter dtd XX/XX/XXXX XXXX, which I received last month - XX/XX/XXXX - copy of envelope attached ). As you can read on the letter, my address is erroneous ( XXXX ). They also have me address on another letter from XXXX, representing Loancare, dtd XX/XX/XXXX as my address being XXXX. I guess I reside at the courthouse. No wonder I had a visitor at my door trying to get in because she was told by XXXX or XXXX that the home was empty - LIARS. How can you turn acts that are illegal, and try to make them legal. Perhaps the courts turn a blind eye. We feel we should have been granted a " RESTRUCTURING '' of the Mortgage because of the numerous scratches & dents, yet these entities refuse to work with us. After XXXX duped us into a fraudulent Forbearance and scammed us into thinking we just might get the new payment, they ripped that rug from under us when at the end of it, demanded all monies, even though our situation had n't changed. Mind you, this Forbearance money we paid was deemed " unapplied '' and the fees just kept on coming. What a racket!! We wish we truly knew whom owned our Mortgage - they all send us that one page from the mortgage contract and a copy of the non-wet Note. I have attached letters from all three entities ( I believe XXXX is also probably an investor since he seems to represent them all ). XXXX tried to foreclose in XXXX ( when securitization actually took place ), to no avail ; then they tried again by substituting Selene ; but for some reason the court denied it. Btw, it was not an " arms-length '' transaction. These entities want to lay claim to collateral that none actually paid. Criminals. I guess Selene is trying to clean it all up. See you in court.
I paid on XX/XX/2018 {$25.00} for my XX/XX/2018 statement. XXXX XX/XX/2018 company charged me a late fee of {$25.00} for my XXXX bill. I called and emailed them immediately asking why I was charged a late fee when I paid on time. I was told the late fee was going to be removed. So on XX/XX/2018 I went ahead and paid {$25.00} for my XXXX bill then days later my due amount was changed from XXXX to XXXX all because when my XX/XX/2018 bill came out they still hadn't adjusted the account to remove the late fee of {$25.00}. I emailed and called asking about the adjustment to my account to correct the due amount because it was only caused by them in error of placing the XXXX. I still kept emailing and calling. I then checked my account AGAIN on Sunday XX/XX/2018 and it still showed XXXX due. I was forced to pay the XXXX today XX/XX/2018 there is a new LATE FEE being applied to my account of {$35.00} now when my XX/XX/2018 bill comes out the amount is going to be large again instead of the normal {$25.00} a month that I should be paying. This company needs to correct their account system that places late fees when they shouldn't be applied. No other company charges you late fees for paying the same day your bill comes out.
Mariner Finance constantly running HARD INQUIRIES on purpose. I have an exiting account with them and the representative calls every day for payment.
Requested subpoenaed records from Bank of America on Intestate Account of decedent for XXXX County Georgia Probate hearing. BOA did not send records to the requestor, instead sent records to XXXX County Probate, they in turn redacted and presented records to requestor that were erroneous and not full record. BOA as an institution should have records on all wire transfer of funds an XXXX Account. Instead records have been suppressed, not presented under court subpoena and has allowed the Court Administrator 's interest and defrauding of the BOA XXXX Account of decedent
Back in XXXX I sent letters to all XXXX credit Bureaus asking them to provide some proof of an XXXX XXXX XXXX bill in the amount of XXXX showing on my credit report ( that does not belong to me ) or to remove within XXXX days. I received notifications and updated credit reports from all XXXX bureaus showing they had deleted the account in the amount of XXXX} being reported by XXXX XXXX XXXX XXXX XXXX XXXX. I am in the process of trying to purchase a home and now they have reinserted the unidentified account that does not belong to me back on all XXXX of my credit report 's but this time it 's with a XXXX XXXX agency called XXXX XXXX I never received any notification XXXX days prior stating they would be reinserting items that were deleted back on my credit report. Please delete the XXXX XXXX XXXX bill in the amount of XXXX from all XXXX bureaus XXXX, Transunion and XXXX as they are violating the law by not notifying me within XXXX  days.
I contacted Capital One on XXXX/XXXX/16 to settle my account which was past due. I informed them that I could pay my balance if they could remove some past due fees in order to keep the account current and active. I mentioned that I had problems paying because I was recently laid off. They agreed and I paid my full balance. 

However, they did n't inform me that my account was already closed and that there was no way to re-open it. Had I known this, I 'd have agreed to a payment plan instead. I relied on my Capital One account to be active and in good standing since I was still recovering financially. Now, I have a closed account that only reflects my past due balance on my credit report. Plus, they refuse to open a new account with me even if I agreed to another security deposit.
I deposited a check for {$19000.00} in my Regions checking account. The bank put a hold on that amount. Then the subsequently put another hold on my account for the same amount. This resulted in completely draining my bank account. My current balance is now - {$15000.00}. I went to the branch that put the hold on the check and they tell me that fraud prevention put the hold on the check. I asked them to explain how they can put two holds on same check and take money they did not give me out if my account. Their response - come back on Monday. Fraud prevention is closed and there is nothing we can do. So I can not even buy food because they are incompetent. The customer service representative refused to escalate or do anything. So we XXXX up and took all of your money and we are n't going to do anything until next week because its inconvenient. How can they put two holds on the same check and take money out of my account when they never gave me any money?
Hello my name is XXXX XXXX i deposited government checks for my aunt she was in a homeless shelter in XXXX they gave her XXXX for a years of rent the checks are made payable both to her and her landlord wich renigged on the apartment she was able to find a new place they gave us the first XXXX now refusing to give us the other XXXX she needs these funds for her new landlord and to show human resource administration the reciepts for her new place her account will not close till this money is released its been almost a month of them holding federal funds i bank with bank of america they frooze my account the funds are cleared and just sitting what can we do it is hard for my aunt to go back XXXX please help
In XX/XX/XXXX I spoke with a customer service rep who was assisting with my billing. I was canceling my service due to a move and the rep inform me of a XXXX $ balance. On XX/XX/XXXX my account was put into collections and I contacted who my billing was sent to which is " Diversified Consultnts '' and the customer service reps were no help and basically I was told to speak back with XXXX about my billing. Nothing has been removed and I would really like my credit cleared of this unknown amount, which is not and I have not even received a bill with this amount.
A representative from ESA ( XXXX XXXX ) continues to contact me at my home and mobile in regards to a debt that they have failed to verify. They are stating that they will arrest me and take other legal proceedings. I am assuming that they fail to verify this debt because they is no verifiable debt.
Resurgent Capital Services Tel : XXXX ; Fax : XXXX sent me a notice that I owe Original Creditor XXXX XXXX XXXX {$660.00}. The current owner is now LVNV Funding LLC with Account XXXX XXXX. I have never done business with XXXX XXXX or LVNV Funding LLC . I wrote to them and told them the debt was not mine and asked for details or proof. They wrote back saying it was up to me to provide them with "... information detailing the nature of the inaccuracy along with any supporting documents to the following address ; Resurgent Capital Services XXXX. Attention : Correspondence Department, XXXX XXXX XXXX, XXXX XXXX, XXXX, SC XXXX. I called them and told them verbally ( XXXX time ) the debt was not mine and told them I can not give them any details because I do n't have any details or knowledge about this debt. Subsequently, they sent me written correspondence that my dispute of this account " appears to be duplicative '' and a notice that reads, " Please be advised that we will not continue to respond to duplicative requests for additional information. Should you desire to pay on this account, please contact us... '' The debt is not mine and I thought debt collection companies must provide proof of debt not just say they have verified it and not give you any information or detail? I wrote to them again asking for details and proof so I could present to my attorney to deal with them, but they say it is not up to them to provide details. They say it is up to me!? Please help.
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Nationsbanc Mortgage Corp. falsely and fraudulently invoked the jurisdiction of Ohio courts by claiming to be the " owner and holder '' of my note and mortgage. In fact they did not acquire the note and mortgage until three years after filing suit. No " confession of error '' was ever filed by the plaintiff thus wasting judicial resources and perpetuating the fraud for years on end under the color of law to hide the fact that they had no standing to sue. 

XXXX I believe will be familiar with my name at the time he was Ohio Attorney General.
After I left my former rented apartment in XX/XX/XXXX the landlord charged me for damage that was pre-exicting as documented on the move in checklist and held my deposit. I disputed it with the landlord requesting my security deposit. 
In XX/XX/XXXX I found a collection agency reporting the debt. I sent them a letter that they received and signed by the collection agency in XX/XX/XXXX at XXXX XXXX  disputing all charges and they didn't respond to the letter and continuing to collect and reporting the collection to credit bureau.
We had a mortgage with greentree we went to court and the judge stated after the home sold that is all they were getting and they sold a bogus amount not owed to anyone to XXXX  XXXX it 's now on my credit report as a tax right off need it taken off my credit report
For a medical service my wife made an advance payment/booking on XXXX XXXX XX/XX/2014 using my credit card ( since they offered XXXX time yearly discount during that period ). The payment was done via phone. The transaction was not a signed transaction. 
My wife was supposed to receive the service by XXXX but she re-scheduled the appointment to XXXX due to her medical condition. She called that clinic by XXXX and the number did not go through. So she waited for a week more and did not get any response either. When we personally went to the place to our surprise the place was locked and no attendees to address our concern. 
This is a huge amount for us and we did not except the company will not render the service they have paid for. 
Later when we researched on internet and found that the servicing company has filed bankruptcy. 
We raised a dispute with the bank and a temporary credit was provided for the amount. Now after investigation the bank had denied the dispute mentioning no sufficient documentation. 
Kindly let me know what can be done at this stage?