WillisBack/dataset-financial-user-claim huggingface dataset:
Holding back a cash deposit and returned a bill pay and charged me the fee of {$38.00} and then charged me another {$38.00} for not having {$25.00} to transfer to my savings, why do I have to pay for not putting money into my savings account and auto transfer, right now my account is over drawn for {$110.00} and they will not reverse it, I feel this is not right. The bank is BBVA compass bank.
I had XXXX credit card accounts with Capital One with {$300.00} credit limit or so on each XXXX of them. I set up auto pay through my bank account to pay off the balance at {$50.00} dollars a week until they were paid off. I received a bill in XXXX 2014 saying I owed a little over {$90.00} or so on each XXXX but I did n't worry about it because I had it on auto pay. A couple of months later I get a letter in the mail from a collection agency saying the cards were charged off. I contacted Capital One to let them know that there was a problem with the bill pay system that I was n't aware of at the time and they decided to remove the negative accounts from my credit files even though it 's still reporting on XXXX. I wanted Capital One to remove the late payments and charge off status from the accounts because I never paid late on those cards for almost two years until this incident. I would like for Capital One to place the cards on my credit file with all late payments removed and a paid as agreed status and give me the opportunity to pay the {$180.00} to {$210.00} I owe on both of the cards collectively. I got those cards to boost my credit score and kept up the payments. Removing the cards from my credit file did n't help me at all and it feels like I put in two years of hard work for nothing.
My personal information has been used by someone else who has recently purchased a Capital One Credit card under my name, using my information as well as making purchases way beyond what I would spend. Purchases maxing out up to almost {$700.00}
Greetings! 



Bank of America is stealing money from my saving account. I had transferred {$2000.00} from my checking account to my saving on XX/XX/XXXX. I had $ XXXX+ $ XXXX= XXXX.
I checked my account few days after the transferring of the {$2000.00} from my checking account to my saving.
I found out I had only {$18000.00} in my saving instead of the 20.000.00. I was extremely surprised & shocked.
I tried again several times. I also tried to print the statement after I checked my account. But it wo n't show my saving account.
I decided to call Bank of America. The person whom I talked to told me that I have {$18000.00}.
I was more upset. Because that means, they really are stealing money from my account. After I confronted them they added few hundred .
Then, I decided to go to XXXX XXXX XXXX on XXXX XXXX, my self to talk to some one.
I 've spoke with XXXX XXXX. XXXX printed statement dated form XX/XX/XXXX XX/XX/XXXX. That 's shows only my deposit of {$2000.00} only. Nothing shows about my saving account.
I told him I 've lost {$1000.00} from my saving account. XX/XX/XXXX told me to bring him my statement to show the saving account that was {$20000.00}.
I know now why XXXX XXXX XXXX  wanted us to have paperless account.
I want to get all my statement in paper. NOT paperless, since XXXX XXXX XXXX is not letting us have any print of our saving account.
This is not the first time XXXX XXXX XXXX steal money from me. My sister too her account was missing {$2000.00} too. But she just decided to close her account with XXXX XXXX XXXX since she does n't live in the States, Sincerely yours, XXXX XXXX
Back in  XXXX  of  2016  I was a victim of  XXXX   XXXX  and suffered power outage for a week as well as property damage that caused a financial hardship. I contacted Navy Federal Credit Union for assistance and was provided " assistance " with payment forgiveness, which I later found out was not handled correctly in accordance to their disaster relief polices and subsequently was further impacted due to the mishandling/misinformation provided and ultimately lead to my credit report being impacted. Since then I have called numerous times as well as submitted hardship documentation through their online website in an attempt to reconcile the accounts in question and prevent them from continuing to fall past due. The Specialis ts at Navy Federal have provided me misleading information as well as have not followed up with me as promised on multiple occasions. I  have asked to be contacted by what they call their " personal finance management " team and promised a call back on several occasions and have to this date not received any follow ups yet I get collection calls daily. Please look into this matter, I can be contacted at  XXXX  and my name is  XXXX    XXXX
XX/XX/XXXX I wrote to Vegas Valley Collection to verify that the debt was mine because I had no knowledge of the debt owed until I was denied due to my credit. I requested further information from Vegas Valley Collections and they did not comply with my request of verification. The amount owed totaled to {$190.00} from back in XXXX.
Made a payment of {$60.00} on XX/XX/XXXX through the mobile app, and made two other payments of {$20.00} and {$25.00} on XX/XX/XXXX, all from the same bank account. I noticed that my current balance was updated, but it showed that my available credit was still {$0.00}. I called in on XX/XX/XXXX around XXXX XXXX to ask about my account and the representative told me that we need to do some verification and we did, but the last two payments werent posted yet so I decided to call them again after XXXX XXXX. Since the customer service department for my bank account didnt open til XXXX XXXX, the representative asked me to call in the morning to do the verification process. OnXX/XX/XXXX I called my credit card company to get those funds released and so we had to do the verification process again. All payments were confirmed by the bank and the service rep said that I will be seeing my available credit after three minutes. After 30 minutes, I checked it and it wasnt updated at all. Took me at least 3 service reps to get the funds finally released. When I tried to use it at a store later that day, my card got declined due to suspected fraud which was odd because an hour ago before my purchase at a store, I was able to make a transaction online. On XX/XX/XXXX, in the evening, I checked my balance and the available credit was {$0.00} despite not maxing out my credit card. I called on XX/XX/XXXX to ask if there was something wrong with my account. The first service rep told me that my account was restricted and so he released the restriction but I had to call again so someone can help me with the available credit issue. One of them told me that one of the payments ( {$20.00} ) I made was put on hold ( despite being released on XX/XX/XXXX ) and I had to do the verification process again. I asked them to check the history of the calls or notes and they said there was none despite talking to two different people on XX/XX/XXXX in the morning to help me release the funds immediately. I currently can not use my credit card for any purchase because they will not release the funds so I would have to wait for 5 business days again. I will pay my card full and will cancel with this company.
I received a XXXX XXXX bill that was n't mine and XXXX XXXX XXXX
I am a XXXX in XXXX. I have applied for XXXX Loan forgiveness from Nelnet. 2 months ago I received a letter stating I was being turned down because the name of my XXXX was written in the wrong way. I filled out the form again and included a letter from my former principal stating that I was highly qualified XXXX fulfilling all of the requirements for XXXX loan forgiveness. I just received a second letter saying that I need to fill out the forms again because a supervisor 's title is cut off, a date is not written clearly enough, and that a supervisor signature is by stamp. I have been told by XXXX at my school that this process takes at least four months because Nelnet comes up with different reasons for several months just in order to be able to continue charging us. Some teachers are being rebuffed if they fill out service of more than 5 years, because Nelnet only wants 5 years noted on the TLF application. This is ridiculous! I know they 're intending to give me the loan forgiveness, because they have already put my account into forbearance. I am a hard-working XXXX and according to the law I deserve this XXXX loan forgiveness. What Nelnet is doing is against the spirit of the law.
I asked to company to send me a signed document with my name on it to prove the debt belongs to me. They failed to do so.The debt is also reported as a open status.
We are working with financial assistance programs. CHECK N GO keep calling my place of work my wife place of work XXXX cell phones everyday. They are informed that we working with the company have legal paper saying there company agreed to terms they are harassing us and our work place
to my best knowledge my personal information was taking to open fraud wiresless account and to apply for loans of some kinds i was advised to send this form in for the accounts that i didnt authorize
The life of the title loan ended XX/XX/XXXX, which I saved a copy of the sign document. Today, XX/XX/XXXX, I received an email and text stating that I needed to make a payment. When I called, the representative stated that my statement is accurate that the life of the title loan ended on XX/XX/XXXX. Upon additional investigation of my question, he stated that due late payments, my payments were applied to the principal and not interest, which I was confused as I was also paying additional late fees along with my payments. I requested to speak to a manager and the manager was very condescending and stating the document stating the end of the loan of XX/XX/XXXX is accurate but due to the residual interest of {$3500.00}, I must make additional payments. She provided two options which were re-reading my contract as well as the company sending the itemized ledger of my payments and interest and the second option was a decreased pay-off of {$2400.00} which I had until XX/XX/XXXX to make decision. Either option as I informed her was optimal as I have made all payments and end of the loan was XX/XX/XXXX. I also stated that I have had other similar loans that if there was a residual balance/interest, it would be adjusted/written off as the life of the loan has ended. Provided that she did not want to adjust the interest and only alternative is to pay off {$2400.00}, I wanted to initiate a formal complaint and grievance. The company should not have the ability or capability to continue with their predatory practices of forcing customers to pay additional interest fees after the life of the loan.
Upon dispute with XXXXXXXX XXXX  acct # XXXX due to identity theft XXXXXXXX XXXX have failed to provide me with proper verification of any sort. not only have they failed to provide me with proper physical contracts bearing proof of signature and payments they have also reported different balances and dates of last payments to each credit reporting agencies XXXX, Experian and XXXX. this is very harmful and suspicious for a company with such reputation. i've attached the different inaccuracies and again a letter with information I wish to be verified and copy of my local police report for deceptive practices. this account does not belong to me. all accounts on my credit file has been paid with great integrity to revive my good credit history. i ask that this negative rating be deleted from my credit file upon their 90 day investigation as written. its unfair to me as a consumer.
I live in nys, I did n't know that payday loans were illegal here until today, a few years ago I took out payday loans to help me with bills and have had a lot of financial issues since then anyway I get a phone call today and was left a message about I need to call American credit financial back in 48 hours there are XXXX fraudulent checks in my name, I call back and its about a payday loan then this man proceeded to tell me someone is coming to my home on Friday XXXX XXXX 2016 to give me a letter that I owe XXXX and if I do n't respond then the sheriff in my county will serve me the papers and then I will have to go to court and judgement will automatically be XXXX dollars and he was from legal dept I told him I would call him back tomorrow he said his name was XXXX XXXX and he said the call I got was from XXXX XXXX a courier if I do n't call him something else will happen I do n't remember what he also said the conversation was being recorded, now mind you I tried to contact this lend me now payday company a couple of years ago number was out of order and like I said I did n't know that these payday loans were illegal in nys what can I do now
loan max in XXXX has been calling me and my finances phone two to three times a day. we told them I will be making a payment this week and the lady called me today and said she needed to know what day I was making payment. I told her I would told them this week I was going to go get my check and I told her I did n't like that they where calling me many times a day and the lady yelled at me and said you made the loan so pay it. I think it 's really disrespectful and not appropriate to talk to your customers like that.
I had a credit card with XXXX XXXX which was paid in full by my XXXX XXXX XXXX they sold it to a another company which is XXXX XXXX and they are now trying to get me to pay that balance again plus they have added fees to it. Please have this removed from my credit report.
I purchased this car at the end of the lease, for the exact Purchase Option amount specified in the lease ( {$13000.00} ). I was told by GM Financial representatives, more than once, that GM Financial could not sell me the car directly since I lived in Pennsylvania, but that I could go to any GM dealer in the area and they could take care of it. I went to XXXX XXXX   XXXX in XXXX, PA on XX/XX/2018 and executed the transaction, or so I thought, but I continue to get statements and bills from GM Financial for Lease End Liability charges totaling {$3500.00}. On several subsequent calls to GM Financial, I was told XXXX XXXX could straighten it out, but they seem as confused as I am. Since all I did was execute a contractual option in the lease, and follow the steps I was given by GM Financial to do so, I don't know why I'm in the middle of what is apparently an issue between GM Financial and XXXX XXXX.
I had a private student loan with XXXX XXXX XXXX in XX/XX/XXXX. The account was past due in XX/XX/XXXX. This debt is not only outside the statute of limitations, it is 11 years since the first delinquency that preceded the charge off and so way outside the FCRA obsolescence period. XXXX XXXX XXXX keeps placing it with different agencies that keep updating the Open and Status dates keeping it on my files long past the obsolescence period.. 

I have disputed this with all three bureaus and they have left it on my files due to the date manipulations Collection Agency listing : XXXX XXXX XXXX. Account number XXXX
Since XX/XX/2017, this company has called my cell phone several times a day seeking to refinance my student loan. I use this phone for business. it interrupts me during meetings and while driving. 

On every call, I ask to be placed on the do not call list. The call frequency had INCREASED. 

Premier Student Loan of XXXX CA is a predatory scam. They misrepresent themselves. They have been reported to the BBB and the CA Atty General.
I did not open a XXXX account back in 2013 like its showing on my credit history. Nor have i had a XXXX account in the past 7 years.
I am being contacted everyday, with the exception of Sunday, for a month. The want the loan paid but, I am unemployed and a XXXX veteran. I have tried to explain this to the company. However, they continue to contact me. It's the same thing everyday.
I am a victim of identity theft and their are unauthorized and fraudulent credit accounts and inquiries listed on my Experian credit report. The following credit accounts and inquiries listed are fraudulent and unauthorized : XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, Credit Plus, XX/XX/XXXX, Credit Plus, XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX.
Received a voicemail from someone named XXXX XXXX and he claimed to be a process server. He stated that he was going to serve me with summons papers if I did not call the company that filed the complaint. He instructed me to call XXXX XXXX XXXX XXXX XXXX XXXX to prevent him from serving me with the summons at my job. He said if I did not answer the summons I would lose my case. He also threatened to contact my employer and inform them that I had a judgment against me and that I would be arrested. This person also left this exact same message on my mother 's voicemail. I attempted to call the number provided but there was no answer. I have received several of these calls since I was notified by XXXX that my information has been compromised.
Initially, when the loans were open, I was protected under the SCRA, even though Citi on multiple occasions kept placing my loans in payment and default status. Generally, when this occurred I'd contact them, and they'd request a letter from my commander confirming my military status, and that would be the end of the case. However, when I went into the United States XXXX XXXX and continued to go to school, Citi on several occasions refused to place my loans in an in-school deferment status which negatively affected my credit ratings from all three credit reporting agencies. Over the past few months, I have been trying to get in contact with Citi Bank Student Loans. However, Citi Bank no longer has a student loan division due to it being sold to XXXX. XXXX does not hold my loans because Citi still holds my loans but the number that they provide is invalid. Email request to Citi either goes unanswered or referred to XXXX. No one can give any information on the loans ; however, they continue to update on my three credit reports as closed with a balance of {$9500.00} ( originally {$6000.00} ). I also was attempting to contact Citi to request a Student Loan Discharge due to me being a XXXX XXXX XXXX  Veteran. The United States Department of Education has already discharged my Federal Student Loans. 

Information on Credit Report : Opened : XX/XX/XXXX Closed : XX/XX/XXXX Account status : Closed Remarks : Collections Account - Placed for Collections
Sallie Mae, took a scheduled payment out on the wrong day, I called and let them know. They looked back to the phone call where I scheduled the payment initially. They acknowleged they were in the wrong. Refunded me my payment ( which took over a month to get back as a check in mail ) Then apologized and said they 'd make a " case '' with customer service to bring my account up to date and just move forward with my auto debit payments. 4 Months later I start recieving multiple phone calls a day collecting for the payment they assured would be resolved. 
I told them to look at their contact records and notes on my account. Surely they 'd see that they told me theyd resolve the issue. The costumer service rep agreed that theyd told me prior that theyd attempt to fix the issue but that it wasnt guarantied. I was upset and told them I wasnt going to pay 4 months later for their mistake and that they can continue to auto debit from my account. Now one of my loans shows past due each month because of that payment. Now theyre calling my cosigner ( Grandparents ) every hour on the hour 7 days a week till late in the evening. It 's borderline harassment.
XXXX XXXX, a senior mortgage officer with TIAA bank ( formerly Everbank ), was in the process of helping my husband ( XXXX XXXX ) and I underwrite bids on houses. 

Throughout the process, I repeatedly asked XXXX if my husband, a XXXX citizen, would need to translate his XXXX bank account statements. Repeatedly, I was told that as long as the statements are translated by the original issuing institution ( i.e. the bank ), then those statements would be acceptable in the mortgage underwriting process. 

At this point, XXXX was aware that we had already started the process of translating the documents with his XXXX bank ( for a fee of XXXX euros ),  even having XXXX 's mother ( who had power of attorney on the account ) repeatedly drive to the XXXX bank to facilitate the translation. 

XXXX then pressured XXXX and I into moving forward with XXXX XXXX   and insisting that we would need rush delivery for a total of {$630.00}. We were angry because XXXX had lied about the necessary steps to translate the documents, leaving us paying large fees for last minute translation services without having any time to shop around with other translation providers. 

I called XXXX on XX/XX/XXXX to explain our grievances, given that we had expected to pay XXXXEUR to XXXX 's bank for translation services.XXXX said that Everbank would " take care '' of the bill, following up with XXXX XXXX via email right after hanging up with me. During our conversation, no indication was made that the bill may not be covered, would need approval, or was at all conditional upon moving forward with underwriting. XXXX nor XXXX XXXX did not contact us further regarding this bill beyond XXXX ' last email to XXXX XXXX. 

We were contacted by a bill collection agency on XX/XX/18 to pay the bill, threatening to affect our credit score. Of course, we were surprised that the bill had not been paid. 

When we followed up with XXXX, he indicated that since we did not move forward with the mortgage underwriting process, that he was unable to cover the bill. Neither XXXX nor anyone at Everbank/TIAA bothered to inform us of any of this information. 

I followed up with XXXX ' boss, XXXX XXXX to address the issue. On a back and forth email, XXXX expressly said that XXXX would pay the outstanding bill. That email was XX/XX/18. 

On XX/XX/18 I emailed XXXX again asking for a status update on this outstanding bill. He did not respond. 

On XX/XX/18, the bill collection agency informed me that XXXX left for a 2 weeks vacation abroad without paying the bill. I emailed XXXX again asking for an update. I have not received a response. 

I'm filing a complaint based on 1 ) XXXX XXXX deceptive practices in providing misleading information during the lending process, 2 ) Everbank ( TIAA ) not keeping their verbal and written promise to cover the translation bill in XXXX, and 3 ) Everbank ( TIAA ) not paying the outstanding bill after expressly committing to paying the bill in XXXX.
Incompetent customer service representative with credentials parallel to XXXX XXXXs drive thru employee, XXXX EMPLOYEE ID XXXX, kept me on phone for over 5 hours " disputing info ''. He recommended that I cancel certain disputes and that certain credit reporting agencies are reporting on Equifax, because they submitted a fraud alert. For example XXXX XXXX which never appeared on credit report at any point is now displaying, XXXX  XXXX, which on XX/XX/XXXX was deleted and never appeared on report on XX/XX/XXXX called and confirmed did not appear yet XX/XX/XXXX it displayed according to incompetent XXXX XXXX. He stated he was putting in notes that he personally recommended and cancelled recent dispute but never did. He also stated he was putting down that he recommended the changes for redispute. XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX   were not on report for months all of a sudden they appear yesterday. Incompetent XXXX stated he was disputing this that XXXX and XXXX deleted all of this. After his hunger got to him and his overweight tendencies as well as his idiotic demeanor kicked in he disconnected call because he was between rock and hard place. He admitted he did not do his job. Equifax does not serve the consumer. Equifax, armed with moronic employees like XXXX waste time and XXXX consumers. 



YOUR SYSTEM WONT LET ME ENTEE LAST 4 OF SOCIAL BECAUSE XXXX XXXX ATTEMPTING TO. MAKE IT MORE DIFFICULT FOR CONSUMER TO DISPUTE!! 

LAST 4 IS XXXX CASE NUMBER FROM EQUIFAX XXXX