WillisBack/dataset-financial-user-claim huggingface dataset:
I paid off a collection account in the amount of {$3000.00} on XXXX/XXXX/XXXX. On XXXX XXXX I noticed Equifax was still reporting a balanced owed of {$3000.00}. I submitted a dispute through Equifax. The investigation resulted in the creditor agreeing the account should be deleted from my credit report. I was told it could take up to 30 days for it to be removed. In XXXX, I viewed my credit report again and the balance/account was still included in my credit report. I called Equifax and they said I had to dispute again and that the creditor was responsible for reporting the update to Equifax. I called the creditor, XXXX XXXX, and they informed me they had reported it paid to Equifax. XXXX claimed they never received the data. According to the resolution provided by Equifax on XXXX/XXXX/XXXX, the item in question was to be deleted from my credit file, the same result as the initial dispute. However, the item is still shown on my credit report. 

To date, this item still shows on my credit report. I reached out to Equifax again today and was told I would have to file another dispute. I called XXXX XXXX and they informed me they have reported the balance paid in full to Equifax once a week for the past two months.
To whom it may concern, I am writing regarding my current mortgage lending company : Stearns Lending who is currently subcontracting through an agency XXXX to handle some loan issues. 
I had water damage to my den and back bathroom on XXXX XXXX, 2016. My home insurance company XXXX XXXX sent me a check to repairs these areas. The check for reimbursement {$13000.00} was sent to the attention of the lender and myself. I signed the check and sent it to XXXX XXXX XXXX on XXXX, XXXX, 2016 and they were suppose to sign it and issue a new check. I have been waiting 4 months to receive the reimbursement and fix my den and bathroom. In the meantime I have been reduced to using only XXXX bathroom in my house. I have a son that has a XXXX and is seen at XXXX. He XXXX and it is difficult for XXXX people to use XXXX XXXX when someone has a XXXX such as this. Also due to my previous bathroom being gutted it has let mice, ants, roaches and other rodents into my home. This has cause significant stress to me and other members of my household. They recently told me they would send me a disbursement to start the work. I ended up receiving a check for {$93.00} in the mail. I 'm not sure how they think this will get me started but I did not cash it. I do n't understand why they are holding on to the funds to fix my home. I have provided all the necessary documentation and permits. I need help. I have spoke to various managers and no one is doing anything. Also I am also the one that payed the insurance to cover my home. I spoke with XXXX XXXX and they also do n't understand what is taking so long and why the home has not been repaired.
I have a low income based payment in place. And the irs still took my refund. I received a letter stating that the offset was to be cancelled. However, my funds were still offset. I am going through a garnishment from my payroll at this very moment from the state.
I am so angry at them I just want to cry and they could care less about their customers. Obviously because their customer service never responds and who has time to wait on the phone for over 45 minutes. Ive gone in to deposit checks and they cant even find me in the system. Ive been a customer for almost 2 years. 
Their unexpected fees are deceitful. 
They charged my savings account on XXXX XXXX {$15.00} for a service fee and on the same day {$29.00} in excess transfers ... all without me ever knowing they do this. Why dont they alert us if we are going over our monthly limit which I never did. 
I inquired about them on XXXX XXXX and received this response Upon reviewing your information, we were able to verify that your account ending inXXXX is a XXXX XXXX XXXX account. For this type of account, there are only four free withdrawals allowed per quarter ( 3 months ) at no charge. A {$3.00} excess transaction fee will be applied for each withdrawal transaction in excess of the four per quarter cycle. 
The Federal limit is 6 per month. XXXX I had 3. XXXX I had 5. It shouldnt matter what account I have. 

Then, I recently changes jobs so had to mobile deposit a check, a corporate check since my direct deposit hadnt taken place yet. It took them over a week to release the check. In the meantime, I could see they were including it in my account and letting my use my card. Called and emailed numerous times about the hold and release times. Emailed and tweeted on XXXX XXXX & XXXX and talked with someone on the XXXX. 
Check was deposited on XXXX XXXX and released on XXXX XXXX. Then they charged me {$340.00} in insufficient fees. 5 on XXXX XXXX, 2 on XXXX XXXX and 1 on XXXX XXXX. 
On XXXX XXXX I emailed regarding the charges, got a response about setting alerts and I responded on the XXXX. No response. 

None of the responses were helpful at all. 
Now Im negative and still being charged fees. And have no money. Like them charging my savings when there was no money there. Or asking over three times to turn off my over draft.
I bought a used XXXX from XXXX dealership in XXXX Ga in XX/XX/XXXX. I had complete engine failure a year and one month later. What went wrong with the car DID NOT match the XXXX. I had bought the car from a car loan from Santander Consumer USA for around 10,000. 

I could not afford replacing the engine and told Santander Consumer USA I wanted to voluntary surrender the car back to them around XX/XX/XXXX. They eventually repossessed the car but has my account still open like I'm scheduled to make payments. They have my account still open and the business is reporting my account as delinquent to the credit companies each month- this keeps lowering my credit score. I haven't received back information on how much money I owe them after the repossession.
XXXX XXXX, XXXX, Georgia has recently changed the functionality of the website used for the TJ Maxx Rewards Visa Credit Card. This morning I went online to pay my bill and discovered that the redesign of the site has made it exceedingly difficult to pay the statement balance that is currently due. 

Instead of displaying the statement balance ; the minimum payment due ; the current balance ; and the available balance, the prominent information consists only of the the last three items ( plus available cash advance value ). The consumer should be able to easily discern, as it was up until now, what the actual statement balance due is, and not be misled into paying more than is technically due on the due date. 

Although XXXX XXXX XXXX design team may believe they improved the user experience by using bigger fonts and adding more negative space to the screen, they have in reality made important information less visible and retrievable only through the use of added clicks which are not so apparent to the average user. 

They need to use more average consumer focus groups when redesigning the tools on the website. I fear the average user will unnecessarily pay more than the balance due amount on the statement because the site now esentially buries that amount. Thank goodness I still get paper statements because even viewing the most recent paper statement was challenging.
I have been dealing with fraudulent late charges and fraudulent charges from Kohl 's department store since XX/XX/XXXX. They have admitted their wrongdoing in the form of repayment checks ( amount usually only a little over 10 dollars. ) My issue is tha5t i had to close my account the first time this happened. and it took me over 4 months of being utterly harassed by Kohl 's for debts i did n't owe. It would be a lot easier if i could just mail someone at CFPB all of the documents. i saved every single last bill. I have been a loyal customer of Kohl 's for almost a decade, and i have ALWAYS paid my bills in full, every time. There was a huge mix up where Kohl 's tried to place a fraudulent online charge on my account back in XX/XX/XXXX. This charge led to other late charges being put on my account. when it came try to get this issue rectified, Kohl 's took over 4 months to get me to a supervisor. As soon as i spoke with XXXX XXXX ( Kohl 's debt center supervisor ) ( phone number- XXXX ) he admitted the wrongdoing and i was reimbursed for the wrongful charges and my account was closed. i decided to open another account in XX/XX/XXXX because, well, i loved shopping at Kohl 's because they have a great selection. However, after i made a purchase in XX/XX/XXXX, and then paid it off as soon as that bill came, i started getting the harassing phone calls again stating that i owed late fees and such. I have spoken over 20 times with the supervisor XXXX, to which he has admitted the wrongdoing on Kohl 's part. However, these fraudulent late charges that they are placing on people 's accounts is FRAUD! Starting in XX/XX/XXXX, i started getting late charges on my monthly statements again, even though i Had n't Stepped foot inside of a Kohl 's since XX/XX/XXXX. Just this month, i have received : two separate account statements, both claiming I owe a different amounts, another bill statement claiming i owed XXXX, and a reimbursement check for XXXX. however, Kohl 's still calls me 6-8 times a day demanding i pay my debt. a debt that according to my billing statement is non-existent. i have left several message for teh supervisors regarding the issues that started again in XX/XX/XXXX of this year, but have n't heard back yet. so filing a complaint with CFPB is my last resort
We became customers of a XXXX XXXX, a mortgage equity accelerator company in XXXX of XXXX through our mortgage company, XXXX which has since been changed to XXXX XXXX. I was made aware that actions were taken against XXXX  XXXX by the CFPB in XXXX for misleading advertisements and deceitful practices of how and when the consumers money was collected from consumer and deposited into the mortgage account. XXXX XXXX also promised an average savings of $ XXXX in interest that the CFPB found XXXX XXXX had no documentation to support these claims. A fund of {$34.00} XXXX has been set aside for customers to be reimbursed for all fees collected by XXXX XXXX. I was never notified of this finding from my mortgage company or from XXXX XXXX and was allowed to continue business until present day. I would like for XXXX XXXX to contact me and provide the reconstitution required by the CFPB 's finding to include reimbursement of all fees I have paid to Pay Map since I began doing business with them in XXXX of XXXX. I also want the two mortgage companies to understand that they should have alerted their customers of XXXX XXXX 's deceitful practices to give us an opportunity to cancel our business. I understand that my current mortgage company, XXXX, no longer does business with XXXX XXXX but never passed this information on to me, their customer.
I tried to transfer money to myself and my brother while visiting overseas. Xoom kept cancelling. I called Xoom multiple times as instructed in their cancellation emails. I even provided them my copy of US passport and my bank statement. Xoom said that you have fulfilled our requirements but we still can't help you.

I tried again last night and still same issue. When I called them this morning the Xoom representative could not give me a satisfactory answer. I asked them to escalate it to someone who can either resolve or give me a valid reason. I am still waiting.
I disputed the XXXX collection account as not being mine. Both Equifax and XXXX has XXXX the balance, but the account is still showing on my credit report under collections ( with a XXXX balance ). The account belonged to my son and I have a letter from the original creditor showing proof of that and that they requested it be removed from my credit file. It has not been deleted as of today 's date.
This was a result from a XXXX service that I did not received in XX/XX/XXXX while I was XXXX. I had paid over {$400.00} regarding the service I did not get & disputed this issue with XXXX repeadly while I was XXXX. Then two years later in XX/XX/XXXX I get the harassing phone calls and mail claiming that I owe this collection agency over {$700.00} and they asked for documents I could not provide. I physically went back to the XXXX store in XXXX, Ga where I originally purchased the phone but they claimed that they no longer have any documents regarding my transactions with them and apologized for the failed service. The collection agency repeatedly kept asking for proof of purchase that the XXXX store can not provide. I paid for a service I did not get and should not have to pay or owe this collection agency anything.
In reviewing my credit report I noticed an account in collections with IC Systems ( XXXX ) from services provided by XXXX XXXX XXXX XXXX, years ago. I closed the account with XXXX XXXX XXXX which had been on 'autopay ' every month through a credit card. I returned all the equipment via mail to XXXX XXXX XXXX as directed. The amount in collections is an even {$200.00}. 

Reasons to believe this is not accurate & have it removed from all credit reporting to XXXX and XXXX : - If I was on autopay, how could this ever have had a balance to go unpaid - The even dollar amount is suspicious as these types of services are never an even amount - XXXX XXXX XXXX wo n't speak with me because the account is closed - XXXX XXXX XXXX continues to seek my business, why is this if I was a delinquent customer? 
- This does n't appear on my XXXX report. 

With the reasons above, please have this removed immediately.
The information is incorrect.XXXX XXXX account XXXX was past due several times in XXXX
I first like to refer to case number : XXXX and Related Case Number : XXXX Wherein Palisades Collection LLC responded to my initial complaint filed through CFPB in XX/XX/XXXX by stating the following : " In the spirit of goodwill, Palisades Collection , L.L.C. will close the account as well and no further contact or collection efforts will be made. The account will not be sold. '' However, today XX/XX/XXXX I received two new collection notices from Palisades Collection, LLC one for {$2500.00} and another {$6800.00}. 

Palisades Collections LLC, knows full well that 1 ) this debt is not associated to me personally, is 2 ) long past the statute of limitations for collections, have 3 ) been notified already by my attorney in XX/XX/XXXX to cease and desist ALL communications and debt collections from me, and 4 ) the above quote from the most recent complaint filed in XX/XX/XXXX - wherein they promise categorically to cease and desist attempting collection. 

Therefore, I intend to file a mail fraud complaint against Palisades Collection, LLC for attempting to collect on a debt that they have already acknowledged is neither mine, nor collectible, and for which they have agreed in writing to " close the account as well and no further contact or collection efforts will be made. The account will not be sold. '' If I do not receive a satisfactory response from them through your offices to fully and forever cease and desist from attempting to communicate ( or to sell this bogus debt ) for collection, I intend to file with the State District Attorney in California and further to file charges with Federal authorities for Mail Fraud ( 18 U.S.C. Section 1341 ). 

Thank you in advance for contacting them again for something that was supposed to have been resolved four years ago. 

Sincerely, XXXX
I filed a claim through Bank of America on XX/XX/2018 in regards to a fraud claim through XXXX ( XXXX XXXX ). I attempted to make a purchase with a vendor to purchase a phone I was interested at the time, in the amount of {$320.00}. I was naive enough to send this person my hard earned money, thinking it was a legitimate means of purchasing a secondhand product. The moment I sent the money, the vendor reassured me that she would send me the tracking number in regards to my order. The following day, the vendor blocked me from any attempts to contact them again, indicating this was an intention act.
Capital One placed a stop payment on a close out check in error, check was sent on XX/XX/XXXX, received onXX/XX/XXXXin the amount of XXXX. They claim " expectations given incorrectly '' or similar thereof as reason for error. A replacement check was sent onXX/XX/XXXX, fraudulently cashed. I was in XXXX XXXX at the time, was not at home to receive/sign for check or sign it for cashing. Contrary to what a XXXX XXXX claims, the person whom cashed check does not live at my address and am not related. The account she mentions as linked to Capital One account I am not aware of, it is no longer linked. A XXXX requested check image be sent to me, the signature on it is not mine and as I said prior, fraudulently cashed. Capital One has my signature card on file I believe, if they check it, they will see signature is not mine. Since stop payment is an error by Capital One and thus replacement check sent which was fraudulently cashed, they need to reimburse me for lost funds which I am owed. I've attempted to reach out to a XXXX XXXX, a total of seven ( 7 ) messages left, not one returned. She claims she can not return calls when regulatory complaints are in process, it appears she simply will not return calls as none were returned even after prior CFBP complaints closed out. She continues to leave her number when she will not return calls. In closing, I will need the name of their legal counsel as well as address to mail notice of small claim suit to.
Myself and my husband are charged bank fees, the bank will not reverse charges. We have been able to deposit funds that same day to cover charges / checks that went through. My husband was charged XXXX fees this month on his account, he had always made deposits that same day to prevent fees, now the associates say that was never their policy, after being on the phone for XXXX30 minutes at a time, the associate was very disrespectful and had noknowlddge of his employer
I have an AMEX Platinum Card, which had a promotion for opening the card and using {$3000.00}. The promotion was XXXX AMEX Membership Rewards points. 

I got the card, used it and spent the {$3000.00}, and the promotional points are listed on my account. 

Now I try to use the points with an AMEX airline partner, and they halt the transfer stating that my points are " under review ''. 

Initially, they told me that the review can take 6-8 weeks, so I should try again after 8 weeks. I tried again and again, each time they gave me new timeframes, but now it 's almost 12 weeks and they still say it is under review. I called them today and now they are saying that they can not know how long that 'll take since it depends on in their " corporate office '', and the complaint they opened about it with the corporate office was closed with no explanation or answer!
In XXXX XXXX, Advanced Collection Bureau XXXX XXXX XXXX XXXX, XXXX, XXXX of phone XXXX XXXX XXXX reached out to me saying I owed a {$270.00} debt to XXXX XXXX. I told them I had already been contacted by XXXX XXXX. I explain then and now that there was no deductible for that procedure, and that both the hospital and the insurance company verified this before the procedure as this was a requirement by me before agreeing to the procedure. This is a data entry error on XXXX XXXX part. After I explained this, they stood down from the collection realizing it was an error.
XX/XX/XXXX, acquired an auto financed by XXXX XXXX, on XX/XX/XXXX, I personally delivered paid in full check for the auto loan account to the bank. Since that day XXXX XXXX, continue reporting the account as open and with balance. After multiples call to the bank and opening tickets for investigation credit agencies continue reporting wrong information. Disputed twice the account with transunion agencie and they keep saying and reporting the account is correct even when I had sent them and they had confirmed the reception of the paid off certification from the bank. Trans Union indicated directly by phone that Bank letter that certified account was paid in full and closed is not acceptable. Both the bank and Credit Report Agencies are violating the Fair Credit Reporting Act. I Cant keep calling and disputing the account when they are ignoring supported document of the paid account, and not investigating deeply about the account.
I have a interest only XXXX mortgage with Bank of America. The terms were for 10 years and then it became an amortized loan. My husband and I have been impacted by the recession and have been working very hard to pay off our debts. The interest only payment averages {$250.00} per month. The new fully amortized loan will now be {$750.00} per month. The additional {$500.00} per month will be a hardship to pay so I applied for a modification with B of A to extend the loan so we could be in a better situation to pay off our debts and refinance the XXXX and XXXX into XXXX loan. B of A rules are designed to make sure no one qualifies for a modification! I do not know how they stay in business! B of A has hateful practices and run-around tactics! I read the consumer reports and they all say the same thing. B of A just wants them to fail so they can foreclose. 
It looks like the only way that I will qualify for any type of assistance with them, is if I miss payment. They said that I did not qualify for the Extension program the first time that I applied because it was an interest- only payments, then it went into the amortized loan, now they say it is because I did not meet the delinquency requirements ( but do not say what those are ). As for the End Of Draw modification program, the first denial was because my debt was either more or less than the amount required for the program, now they say it is because I am in the repayment period! If I miss payments to qualify for a modification, I am at risk of foreclosure and I still may not get a modification! Attached are both letters of rejection. I have not been late with any payments for over 5 years. I am trying to get my credit re-established so I can refinance. I have XXXX more debt to pay off before I am in a position to apply. I can not be late with any payments in order to get my credit where it needs to be. B of A took no time at all to reject my requests. It is as if they do n't even look at the paperwork.
On XX/XX/XXXX I requested a loan modification on my home loan due to lose in income and pay rate being reduced. I completed the modification packet provided by Freedom Mortgage and faxed all requested documents in as well as emailed them to Loss Mitigation department for review on XX/XX/XXXX & XX/XX/XXXX. I followed up on XX/XX/XXXX and resent the modification packet again. On XX/XX/XXXX I received a letter from Freedom Mortgage advising that neither of the three modification packets that had been faxed and/or emailed was not received and all information had to be resubmitted. I resubmitted the documents again on XX/XX/XXXX. I then contacted Freedom Mortgage on XX/XX/XXXX due to receiving a letter from them advising again that all information that had been resubmitted, was not received!. The agent on the phone then submitted a request for loss mitigation to go back thru the previous documents received to retrieve all the documents needed. I called back on XX/XX/XXXX to confirm receipt of documents, and check status of modification, I was then advised that I needed to send in documents to confirm my spouse 's income information and my pay stubs which I had already sent in the initial request, along with a Hardship letter. On XX/XX/XXXX I called to confirm receipt of documents was advised that all documents were received but the wrong XXXX document was sent. I call again on XX/XX/XXXX, to check status of modification. Freedom Mortgage rep then advised me to send in again my pay stubs received from my last employer and a letter of hardship. I emailed these documents over on XX/XX/XXXX. I have asked and asked them to decision my Modification, but I keep getting the run around. They'll say I haven't sent a document in or didn't complete it right. I need help to keep my home.