WillisBack/dataset-financial-user-claim huggingface dataset:
I have been depositing checks with BB & T and every time I do so, the XXXX, Kentucky branch of BB & T puts an extended hold on my check deposits. The branch located in XXXX, Kentucky at XXXX XXXX XXXX, XXXX, KY XXXX, continues to put extended holds on each of my check deposits in violation of the Expedited Funds Availability Act. I deposited a {$700.00} check on XX/XX/XXXX using the ATM at the branch in XXXX, Kentucky, and made another deposit on XX/XX/XXXX for two checks {$700.00} and {$1300.00}. The {$700.00} deposit that I made on XX/XX/XXXX, the branch did not release those funds until XX/XX/XXXX. The BB & T branch put an excessive hold on the XX/XX/XXXX deposit for {$700.00} for no reason other than because it was for more than " {$500.00} '' dollars. 

I spoke with a person named XXXX from the BB & T branch in XXXX, Kentucky on XX/XX/XXXX, who couldn't explain why they were putting excessive check deposit holds on my account. She called me on XX/XX/XXXX and said that on XX/XX/XXXX, they were releasing {$100.00} from the check deposits of {$700.00} and {$1300.00} that were made on XX/XX/XXXX, {$100.00} on XX/XX/XXXX, and the remainder XX/XX/XXXX. She then said that they were placing the excessive holds to make sure that the checks would clear, when there was no reason to assume they wouldn't. One of the checks was from XXXX XXXX. The BB & T branch in XXXX, Kentucky is violating the Expedited Funds Availability Act by placing excessive check deposit holds on my account. The BB & T branch is engaging in unfair business practices with their excessive holds on my check deposits. When asked they can't explain why they are placing excessive holds. The XXXX, Kentucky BB & T branch employees gave me the runaround as to why they are placing excessive holds on my check deposits. First they said it was because the deposits were for more than {$500.00}, then they said that it was because the account was less than a year old, neither of those are reasons under the Expedited Funds Availability Act to place excessive holds on my check deposits.
On a letter received from Wells Fargo Home Mortgage, dated XXXX XXXX ' XXXX and signed by XXXX XXXX XXXX, Executive Resolution Specialist, he indicated the numbers that they used to consider a HAMP-Tier 2 Loan Modification. On it he did mention the amount of {$600.00} paid monthly as property taxes, which brings my home to income ratio to 45 %. This amount is wrong, the correct amount paid is $ XXXX/month ( {$5200.00} paid between the XXXX XXXX and XXXX XXXX installments ), which brings the ratio down to 43.43 %. 
Moreover if the can consider dropping the interest rates, on both loans XXXX and XXXX to more up-to-date levels ( the XXXX XXXX loan interest rate is at 5.25 % ), the ratio will be brought even farther down, to 35 % or even less. 
I 've also asked for a disclosure of all the Loan Modifications Plans they have used while trying to qualify us. 
This process with W.F.H.M. has been a struggle, to say the least, with a tremendous amount of paperwork coming through, but NO real help..!! 
I do wonder if this is not a case of discrimination..!!
This debt was charged off by original debtor after insurance company paid them off after a fire at said residence. The debtor had insurance on home which they took out. This debt was charged off by original debtor.
Consumer Financial Protection Bureau, On XX/XX/XXXX, I mailed a letter including a copy of the correct monthly payment amounts of my AES account reported by XXXX to AES and XXXX and XXXX  requesting that the incomplete reporting of my AES account information be changed to reflect the correct XXXX reporting of my AES account. 

I have not heard back from American Education Services. XXXX  and XXXX mailed me a letter on XX/XX/XXXX that the account information has been verified with AES and updated as needed on my credit report. However, the correct monthly payment amounts are missing and not being reported accurately by XXXX and XXXX, but are being reported correctly on my XXXX credit report. 

My request is that AES reports the same information to XXXX and XXXX it reported to XXXX to give a complete credit reporting of my monthly payments. 

Thank you. 

Concerned Consumer
XXXX deleted this company but Experian still have it on my credit report I just want my credit report to reflect the same information.this company is fradulantly trying to collect money that I do n't owe from me
XXXX XXXX XXXX,XXXX XXXX XXXX,XXXX
is reporting incorrect information on my credit report just because my maiden name was XXXX.. That does not mean this debt belongs to me and I have requested on 3 occasion to have this information removed from XXXX, Equifax and XXXX, these accounts were previously deleted because another collection agency was reporting in error also(XXXX XXXX XXXX) and the debt was not able to be validated because I did not recieve these service, There was an apartment in my name in another city that I am fighting because I did not authorize nor does it match my social so I filed a Identity Theft report with the federal trade commission and REQUEST THAT THESE ACCOUNTS BE DELETED FROM MY CREDIT FILE.

COLLECTIONS
XXXX XXXX
Opened XX/XX/XXXX
-
$XXXX
Original creditor: XXXX XXXX
Overview
You've paid off 0% of your collection amount.
Balance
$XXXX Highest Balance
$XXXX Opened
XX/XX/XXXX (3 mos)
Account status
Open
Type
--
Responsibility
Individual
Remarks
Consumer disputes - reinvestigation in progress
Original Creditor Name
XXXX XXXX
See an error?
You could dispute an error with Equifax.

GO TO EQUIFAX
Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX
Opened XX/XX/XXXX
-
$XXXX
Original creditor: XXXX XXXX
Overview
You've paid off 2% of your collection amount.
Balance
$XXXX
Highest Balance
$XXXX
Opened
XX/XX/XXXX (2 mos)
Account status
Open
Type
--
Responsibility
Individual
Remarks
Consumer disputes - reinvestigation in progress
Original Creditor Name
XXXX XXXX 
See an error?
You could dispute an error with Equifax.

GO TO EQUIFAX
Creditor Information
XXXX XXXX XXXX XXXX

Certified
Opened XX/XX/XXXX
-
$XXXX
Original creditor: XXXX XXXX XXXX XXXX
Overview
You've paid off 0% of your collection amount.
Balance
$XXXX 
Highest Balance
$XXXX
Opened
XX/XX/XXXX (4 yrs, 9 mos)
Account status
Open
Type
--
Responsibility
Joint
Remarks
Consumer disputes - reinvestigation in progress
Original Creditor Name
XXXX XXXX XXXX XXXX
See an error?
You could dispute an error with Equifax.

GO TO EQUIFAX
Creditor Information
XXXX XXXX, XXXX 
the collection agency said he did receive my identity theft report from the federal trade commission see email
On Wednesday, XX/XX/XXXX XXXX XXXX, XXXX XXXX  wrote:


I got it.

Thank you,
XXXX XXXX XXXX 
Collection Manager
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX

This is an attempt to collect a debt and any information obtained will be used for that purpose.

This message and its attachments may contain confidential and/or legally-sensitive information that is intended for the sole use of the addressee(s). Any unauthorized review, use, disclosure, or distribution of the information contained in this message and its attachments is prohibited. If you have received this message or any of its attachments in error, please destroy all originals and copies of the same and notify the sender immediately.


-----Original Message-----
From: XXXX XXXX XXXX 
Sent: Wednesday, XX/XX/XXXX XXXX XXXX 
To: 'XXXX XXXX' ; XXXX XXXX 
Subject: RE: Out of Office Alert

Please acknowledge you received my fax
Kondaur Capital stated that they have paid for my home owners insurance as of XXXX/XXXX/2016 to my insurance company XXXX, account XXXX and policy number XXXX. If they have done so they need to contact my insurance company immediately and provide proof of payment. 
Sincerely, XXXX
There have been 2 inquiries made on my XXXX XXXX report by Citibank XX/XX/XXXX and XX/XX/XXXX without my knowledge or authorization. Ive never attempted to open an account with this bank. Ive noticed this bank via phone and email on several occasions and have been given different answers each time. The last phone conversation was on XX/XX/XXXX and I was assured that these unauthorized inquiries would be removed. 2 months have passed and they are still on my file
West Bay Recovery XXXX XXXX XXXX, XXXX XXXX XXXX, RI XXXX and XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, RI XXXX ( representing West Bay ) XX/XX/XXXX-XX/XX/XXXX Judgement XXXX Initially, I was not aware of any debt or what it was for. There were documents falsely served and signed by whom I do not know as I lived alone and worked past XXXX every night some time in XX/XX/XXXX. I do not have the exact date as the documents were never disclosed to me. I never saw anything or heard of this debt or company. I found out about this debt in the middle of my bankruptcy through mail from XXXX that my account was overdrawn. The account was my in fact my then 7yr old 's savings account that the law office went ahead and took the money out with the false documents. No one answered my calls or my letters sent on the matter. Not only did they receive money through what I can only imagine were forged documents that was my child 's but they also were included in my bankruptcy that was discharged in XX/XX/XXXX. Now, I am going through a refinance of my home ( XX/XX/XXXX ) that was purchased in XX/XX/XXXX and my loan officer is telling me West Bay is coming after me for {$490.00} that I supposedly owe from XX/XX/XXXX ... .mind you the law office went in and took it out of a 7yr old 's bank account. I am finding out there has been MANY complaints about West Bay creating false debt and coming after people years and years later for what I still do n't know as NO ONE HAS EVER RETURNED MY CALLS OR MAIL ON THIS SO CALLED DEBT. They were included in bankruptcy and the stole money from my child 's account which only included my name due to him being under age.
Several years ago I requested a Chase  XXXX   XXXX  Credit Card  XXXX  I thought we would be travelling on  XXXX  and liked some of the incentives offered. I received the card, and never used it. The travel on  XXXX  was decided against so I used other cards. I believe the annual fee of {$95.00} was waived the first year. I paid it the second with the intention of cancelling the card. I let it go, and on  XXXX   XXXX ,   XXXX   was assessed the {$95.00} fee. I carry no balance on this card so I do n't check it as regularly as I should, but when I did check,  XXXX   XXXX ,   XXXX  , I spoke with a customer service representative who told me she would refund the {$95.00}. I asked her to close the account and thought I was done with the  XXXX  card. I checked again yesterday. My account was closed, with the {$95.00} annual fee still there, as well as a {$15.00} late fee and {$1.00} in interest. I called customer service and was told it was impossible to waive the annual fee, but now I am being charged for a service that I can not use.
I signed a loan agreement ( loan # XXXX ) with Big Picture loans on XX/XX/XXXX for {$1500.00}. It stated the total amount that I needed to repay was {$7000.00}. I have been making {$590.00} monthly payments for 10 months totaling {$5900.00}. The week of XX/XX/XXXX I took out a {$1600.00} loan from my 401 ( k ) to payoff my account since they told me I was accruing daily interest charges. With the {$1600.00} payment I have paid them a total of {$7500.00}. On XX/XX/XXXX I was told that I owed an additional {$1100.00} ( a XX/XX/XXXX & XX/XX/XXXX payment of {$590.00} ). I contacted the Minnesota Department of Commerce who said Big Picture loans did not have a license in the state and that I should have my {$1600.00} returned. When I contacted XXXX XXXX XXXX on XX/XX/XXXX andXX/XX/XXXXXX/XX/XXXXI spoke with a supervisor. He gave me the run around and I have not heard back. I am only looking for a refund of the {$1600.00} to repay my 403 ( b ) account. Your help is appreciated.
Due to hospitalizations and loss of income due to time off our mortgage payments fell behind. We never received a demand letter. I called on XX/XX/XXXX to find out about our options since they would not take a partial payment. I was told I would need to pay {$3100.00} in full and no partial payment would be accepted. I was advised to apply for the Mortgage modification assistance and Nationstar representative would email me the forms. I was also informed that if I applied for this it would put the foreclosure on hold until a decision was made. I did not receive the forms, my husband XXXX called back in later on XX/XX/2016 and requested them again. We did not receive them so I called back in on XX/XX/2016 again was told they would email them to me and I never received them. I went out to the website and found the forms and sent them on XX/XX/2016, however, it was not all of the forms needed since I was just guessing since the representatives never sent them. I called Nationstar again on XX/XX/2016 because I received a letter from an attorney about the foreclosure. I was assured that nothing had been done with it yet since we did n't have a foreclosure date yet. I also verified the forms needed and the minimum payment they would accept as {$3100.00}. I resent all forms and documentation again on XX/XX/2016. XXXX called to try and make the payment of {$3100.00} on XX/XX/2016 as well and was told that now the minimum would be close to {$5500.00} due to additional payment and fees including {$850.00} of legal fees. XXXX called the attorney and they said they have not billed Nationstar for any charges yet since they have not done anything with the paperwork yet. I called Nationstar back and explained that in all XXXX of my phone calls I very clearly asked repeatedly to verify the minimum payment of {$3100.00} and to verify that once these forms were submitted for the modification the foreclosure processes would be put on hold. The supervisor I spoke to said there was nothing they could do and it will take XXXX days to listen to the phone calls, but it does n't change the fact that the new minimum payment as of XX/XX/2016 is {$5500.00}. I am frustrated that we have made several attempts to make payment and they refused and did not inform us that the amount was almost {$2200.00} more than what we were told on several occasions. They will not accept my payment and more legal fees could be added daily. The representative I spoke to on XX/XX/XXXX also refused to give me any information on filing a complaint due to unfair banking practices. I am hoping this is the correct agency.
On XX/XX/XXXX, I mailed an investigation request to XXXX, Experian, and XXXX XXXX. The bureaus are supposed to conduct an investigation and respond within 30 days. As of today, neither of the bureaus have responded, and more than 30 days have passed.
I had unpaid medical bills for my sons that were sent to my ex husbands address for over a year. I never received a bill. When I noticed there was a derogatory remark on my credit report from trans world, I immediately phoned them and they said it was an unpaid medical bill I then called the medical faculty and they said the balance after insurance was unpaid so they sent it to XXXX XXXXXXXX XXXX. 
I paid it immediately and transeorld promised to remove it from the credit report within 30 days. 
That never happened. Ive notified them several times and they refuse to do anything about it
Apartment complex. Active duty military lost pay XXXX. My wife and I had to find a home for our family that best fit our financial needs. We were, and still in a financial hardship. We gave them a thirty day notice, with completing paperwork they requested. We advised to them the situation with other issues with the complex, that were not being addressed. When we left the property we returned the keys. We had been given an estimate of what we would have to pay back because we were terminating our lease. It was n't even close to the amount of what is on me and my wife 's credit report. We were blind sided and never contacted except from a credit bureau with an amount not explained, just a number that we owed.
My wife and I obtained a mortgage from Nationstar Mortgage last year when we purchased our home. Our account was impounded, which means our property taxes and insurance were included in the monthly payment. A few months after we obtained the mortgage, Nationstar sent me a check for approximately {$2500.00}. When I called to inquire about the check, I was told by a representative of Nationstar that it was a refund for a surplus in our escrow account. They also adjusted my monthly payment from approximately {$2400.00} per month to {$2000.00} per month. I told the representative that I believed there was a mistake, because when we obtained the loan we were told by the mortgage banker that the total monthly payment would be approximately {$2400.00} per month, which included taxes and insurance. The Nationstar representative assured me everything was fine, so I continued to pay the monthly amount of {$2000.00} that Nationstar billed me every month. 
This year, our tax preparer noticed that the property taxes we paid in XXXX seemed low, and suggested we look into it, as he believed we were n't paying the correct amount. My wife contacted the XXXX XXXX XXXX XXXX XXXX XXXX Office, who confirmed that we were delinquent on our property taxes, in the amount of {$6700.00}, which included fees and penalties in the amount of {$630.00}. We never received any statements from XXXX XXXX, who stated that they mailed all the notices to our previous address. However, they did notify Nationstar Mortgage in writing. Nationstar never made the payments, nor did they notify us about the delinquent tax amounts. 
On XXXX XXXX, XXXX, Nationstar Mortgage paid the XXXX XXXX XXXX XXXX 's Office the total balance due of {$6700.00}, including the fees and penalties. They in turn, will pass those fees and penalties on to us. Our complaint is, if Nationstar made the mistake of not collecting and paying the correct property tax amount, and they were notified by the XXXX XXXX XXXX XXXX XXXX Office, why should we be responsible for the fees and penalties? 
On XXXX XXXX, XXXX, we contacted Nationstar Mortgage and spoke with a representative XXXX XXXX XXXX and his supervisor ( XXXX XXXX, from the Escrow Account Department. We explained the situation, and the mistakes Nationstar Mortgage made, and explained that we did not believe it was our responsibility to pay those fees and penalties. The supervisor disagreed, and said he could not help us. 
Therefore, we are hoping your agency can help us, as we feel we are wrongfully being penalized for mistakes that our mortgage lender made. Thanks in advance for your assistance.
these addresses is not my address please removed from my credit report XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
THIS COMPANY HAS REPORTED ME TO THE CREDIT BUREAU WITHOUT 1- I HAVE NO KNOWLEDGE OF THIS DEBT THEY DID NOT SEND ME A WRITTEN NOTICE OF THE ALLEGED DEBT SO I CAN DETERMINE WHETHER OR NOT IT IS VALID. 
2- I DON'T KNOW WHY IT WAS REPORTED TO THE CREDIT BUREAU
Had difficulty contacting student loan grantor to submit forbearance/deferment request and representative at my college institution was not properly assisting me in getting the forbearance/deferment request submitted. I initially tried to contact school and loan grantor to set up arrangement in XX/XX/2018 and did not manage to get forbearance/deferment completed, accepted and posted until XX/XX/2018. Due to this the loan grantor reported on my credit that i was delinquent on each student loan debt as the full amount is currently broken up into parts on my credit report. The forbearance/deferment request was accepted and on my credit is says that i was late to make the payments however this was not due to my own negligence but rather was due to the loan grantor and school not assisting me in a timely manner to get the request processed.
I have called Chase Lien Department XXXX times over the course of 10 days. It has been an average of XXXX calls a day to get a copy of a certificate of satisfaction on a mortgage I paid in full in XXXX, I am constantly told a request has been submitted and have yet to receive a copy of the documentation. I am a XXXX employee currently XXXX and have spent XXXX dollars in phone calls with no results. The problem is an incorrect recording of the satisfaction of my mortgage in XX/XX/XXXX -- a Chase mistake. Chase claims XXXX to have sent the corrected certificate of satisfaction for recording to the county of XXXX Virginia in the XXXX 10 days, but the County has no record of receiving the XXXX mailing and according to Chase rejected the Certificate when Chase after many phone calls from me sent the Certificate of Satisfaction to the County electronically. The rejection is probably due to additional mistakes on the part of Chase. At this point I want to file a formal complaint against Chase and am seeking redress. Average phone times have been anywhere from XXXX minutes to XXXX hour. I have spent at least XXXX hours on the phone during the last 10 days. Chase is jeopardizing my ability to go to settlement on a home equity loan I have applied for with my Credit Union. In addition, I am speaking to what appears to be a call center where the ability to provide the documentation I need does not appear to exist. Frankly, I am shocked by the poor customer service by the lien research department and the numerous mistakes Chase has made. I thought this was a reputable bank. I want to note that the workers in the call center are very polite and helpful but they are not empowered to do anything to help me The problem seems to be in the lien research department.
I made a deposit with Chase Bank on XXXX XXXX 2015 for my charged off account in the amount of {$440.00} at my local branch. I received a receipt from the branch and did n't have any further communications from the bank so I was led to believe that the issue was resolved. Going forward much later on XXXX XXXX 2015 I had a check mistankly deposited with Chase by a third party ( State of Colorado ). Upon calling Chase Bank I was told that my account was still active, no previous payment was applied, and that they would only be returning XXXX of a check of XXXX. I then provided the customer service representative with the recipient information and was told it would be investigated and would be called within 48 hours. I did not receive any follow up within that period and reached out to Chase Bank one week later. I was then told by another supervisor that she did n't have any information and did n't reveal anything until I told her that I would be filing a complaint with the CFPB. She then told me that they were unable to locate the payment and that I would have to go into the branch with the receipt to have it investigated. I then told her that would be impossible as I am out of the state and the receipt was back in Colorado due to being out of town for a family funeral. I also asked if I could have someone email or fax the receipt and she told me that was impossible. She then told me she would speak with her manager and would call me back within 48 hours which she did n't. I then again called Chase Bank a week later and spoke with yet again another supervisor. I was told by this supervisor that there was nothing that they could do and was extremely argumentative the entire call. He proceeded to tell me that the information that the original representative walked me through to provide off the original receipt was incorrect. I asked to speak with a manager as well as provide the number for the Chase corporate offices which he refused.