WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I deposited a check from one of our clients into our BoA business checking account. The following day I noticed that the check was placed on an extended hold and so then processed to reach out to the bank to see what was the cause oh the hold. The bank claimed that they could not verify the check, rather, that could not confirm that the check was written out to us even though the client clearly made the payment out to us. After speaking to multiple bank representatives and being placed on ridiculously long hold I then came to learn that BoA was closing our business account with them and would not render any explanation as to why they were doing so. BoA then decided to hold the check that I deposited along with the funds in our account, they disabled our ability to view the online banking portal thus making it impossible to transfer funds onto new account in order to continue conducting business. I made several attempts to regain access to our account, BoA representatives were not interested in helping us resolve this issue, they would constantly transfer me to a new person would then give me the same information that the previous person gave, and would they continue to not provide us with any explanation as to WHY this was happening. I also asked to speak to a department manager and was always denied. It has now been over three weeks and the issue is yet to be  resolved, BoA claims that the account is still in the process of closure, and I have not received the check that I attempted to deposit. As a result this has caused a serious strain on our business andcaused us to miss payments due to vendors and such, and has disabled our ability to conduct  business.
XXXX, XXXX, XXXX XXXX XXXX and Discover Card has continued to report fraudulent information on my credit file. I have filed several disputes throughout the years with these companies but there never is a positive outcome. They have continue to report this fraudulent information on my credit file even though Ive given them a police reports showing that Im a fraud victim.
When I left for the XXXX XXXX in XX/XX/XXXX, the XXXX XXXX submitted paperwork to the Department of Education reflecting my status. At the same time I submitted paperwork to my my loan holder requesting ( for the second time ) to be placed on an income based repayment plan, as well as an application for public service loan forgiveness. Around XX/XX/XXXX I started receiving emails that I was close to defaulting. I reached out to XXXX XXXX several times requesting the status of my several applications. Throughout XX/XX/XXXX I  corresponded with XXXX in an attempt to update them and continue to apply for PSLF and ICBR. Every application I submitted was denied, generally on the ground of not providing enough documentation, even though I sent a certified letter from the XXXX XXXX, as well as evidence of my living stipend as evidence of my income. When I returned to the US in XX/XX/XXXX I was still close to defaulting so I made one large installment and put in a forbearance request. I made contact with XXXX several times throughout XX/XX/XXXX to try and sort out the applications. I was told the XXXX XXXX did not notify the Department of Education about my status, even though this is standard operating procedure for XXXX XXXX. Over the phone I asked for a new application, and for PSLF to be retroactive and take into consideration my over 4 years of volunteering with XXXX XXXX and XXXX, as well as my current status as a XXXX. Multiple customer service representatives ( including XXXX ID # XXXX and XXXX ID # XXXX ) refused to work with me, including hanging up calls, being rude, and refusing to entertain requests for further information. Throughout this exchange XXXX continued to send correspondences to addresses I do not live at, despite emailing them multiple times to update my address, and despite the XXXX XXXX sending the Dept. of Ed information about my status abroad. My requests for address changes were ignored and receipts of my applications, and their rejections, as well as my proximity to default were all sent to Maryland, even though I lived in XXXX and my former landlord kept sending the letter back with a label saying my forwarding address was XXXX XXXX. At present, I still do not have PSLF nor am I on a ICBR Plan, despite having served as a volunteer at currently at a 501 ( c ) ( 3 ) for almost 5 years.
I own an American Express card that was opened in XX/XX/XXXX. I always tried maintaining good status by making on time payments. If a month was unable to, I would call and remedy the situation.

In XX/XX/XXXX, after losing my job, I continued to make a payment in XX/XX/XXXX and XX/XX/XXXX. When XX/XX/XXXX statement came out, a payment in the amount of {$100.00} was due. I proceeded to make the payments in XX/XX/XXXX, XXXX and XXXX  under my bank account ( which is a joint account ). However, I contacted Amex numerous times since XX/XX/XXXX to let them know of my current situation and requested some sort of financial help. NOT ONE CALL was I informed that my payments were not going through.

In an attempt to mitigate my damages, I logged on to my account to find my card " cancelled ''. I contacted another rep in XX/XX/XXXX and asked about the " canceled '' status and was informed that it was because payments were not made that I am unable to use my card. HOWEVER, if I was to bring the account current the cancellation would be waived. THAT was the ONLY call that the gentleman informed me that my bank was not processing my payments and that I needed to look into it with my bank, XXXX XXXX. He informed me that he would update my account to advise that I was working with my bank to find out about the payments not being processed.

After contacting my bank, I was informed that a fraud alert was placed on my account ( husband ) and that no payments were made. I quickly called Amex and updated the with this information. I was advised that I needed to make 2 payments ( {$100.00} and {$110.00} ) within the same month to show that the payments went through. In good faith, I opened another account with XXXX XXXX and proceeded to make total payment of {$220.00} within the same month, through a new account. However, when I went to check the status of my card, my card was now closed.

I have called NUMEROUS TIMES in an attempt to have this investigated and have been received with push back. I did what was told of me, I complied and demonstrated it was wrong doing on the bank behalf and yet my card was closed as though I never tried to fix the situation.

My last conversation regarding the matter was with XXXX XXXX, who callously informed me that there was nothing that can be done for my account and that NO ONE in the company is going to do so.

I believe AMEX is acting in bad faith. As a consumer, I contacted them before things got out of hand and did my part. I complied and made the payments as agreed and furthermore, the card is up to date, with ONLY a {$1000.00} balance owed.
On XX/XX/XXXX I have scheduled ACH from my Checking account at NAVY FEDERAL CREDIT UNION to pay my XXXX XXXX Credit Card in the amount of {$400.00} using Navy Federal online bill pay center. 
I have left only {$200.00} in my account DELIBERATELY to see what will happen with this transaction while there are insufficient funds in the account. I did that as a test before I switch everything ( checking and automatic bill payments ) from XXXX XXXX XXXX to Navy Federal. 

Navy processed the transaction on XX/XX/XXXX and on their bill pay online system it was showing delivered and there was a confirmation number. Day later I found out that it was not processed and I was charged with insufficient funds fee, {$29.00}. It was still showing delivered with confirmation number. 

Nothing in their online system indicated that this transaction did not process or that it was rescheduled. 

On XX/XX/XXXX ( week later ) I found out that it was processed AGAIN WITHOUT MY KNOWLEDGE OR CONSENT! This time there was more than sufficient money in the account. 

This is where things escalated : While speaking to Navy Federal Credit Union customer service representative, after insisting to know why the transaction rescheduled and processed without ANY INDICATION THAT IT WILL, representative informed me that they have a THIRD PARTY COMPANY THAT DOES THEIR ONLINE BILL PAY SYSTEM FOR THEM and Navy Federal has nothing to do with online bill pay system. 

Nothing on the online system shows, warns or indicates that I was leaving Navy Federal website and that I was redirected to third party site. It is all still ( at least it appears ) on Navy Federal official online banking website. Please refer to attached screenshots. 

What is the name of that bill pay processing company? 
What is their address? Website? 
Should I be warned that some other company other than Navy Federal is processing the payments I make trough Navy Federal portal? 
Should I not get " you are being redirected to another site '' warning? 

I believe Navy Federal online bill pay system is misleading and I have chosen to trust THEM with my finances, NOT some third party company. 

Please investigate, Kindest Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Cell : XXXX
My Fidelity Investments credit card was alway paid with Autopay feature. 
They transferred business to XXXX XXXX XXXX XXXX in the fall of XX/XX/2018 without notifying me. I've optioned to receive all information from Fidelity Investments via email. 

While doing my taxes and pulling monthly statements I discovered Autopay had been stopped without my knowing and I had monthly penalty fees. I called immediately and XXXX XXXX informed me that I needed to re-enter autopay, of which I was never informed about. 

I asked XXXX to waive late penalty fees due to lack of notification and I'd pay my small balance, but they refused. Outstanding credit card late charges make up greater than {$200.00} of the {$260.00} balance due. 

My card has been canceled, yet now they say i will be charged their crazy interest rates on outstanding balance of a dead credit card. 
This is malicious and predatory considering I never received notification of policy change. 

Please help.
Inquiries such as XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XX/XX/2018 TRANSUNION LLC IS reporting inaccurate information on my credit report Ive disputed this info 2 times still I have No response/ evidence bearing my signature, of this being accurate.
Pinnacle Credit Service, collecting a debt in behalf of XXXX XXXX, has reported to XXXX credit bureau 's erroneous information specifically altering dates to convert a zombie debt into a valid debt, and continuously harassing me including hiring a Fake Law Firm and Lawyer XXXX XXXX of " XXXX '' and a XXXX collection agency " XXXX '' to collect this alleged debt. 
I have copies of all certified letters send to all this companies and individuals who have conspired to commit this fraudulent act.
This is my second time disputing these accounts that is showing on my report inwhich is not mines and possibly could be the after affect of Equifax breach, I been told that these accounts been verified, but the real question is verified by who and supported by what physical documentation. According to the F.C.R.A., once disputed and not physically verified the reporting agency is to remove it from ones report. However, this is a serious issue when one doesn't comply. The accounts that's in question and needs to be removed are XXXX XXXX XXXX, and all of the XXXX XXXX XXXX
XXXXXXXX XXXX is frauding me. They're not honoring their own services. I wasn't happy with their service so I asked for my money back XXXX I told them someone else is helping me. Not only did they not pay me my money back, but they send these emails like they're reaching out to me and that's not the case. Beginning of this month they kept charging my card until they were able to get something off if it. A sum of XXXX. I did not authorize this charge by far that they took upon themselves to charge me. It's not right and it's not fair. Due to mistakes on my credit report I been dealing with cfbp on my own over my credit report and removing items that I know not supposed to be there. I want my money back and for them to honor their policy of unsatisfied customer and refund my money on both accounts immediately.
i have disputed a item on my credit report that is not my account also during my disputed all three credit bureau has violated many laws of the Fair Credit Reporting Act i also have sent a disputed letter to the creditor and i receive a letter stating that they no longer has ownership to this account but the credit bureau is reporting under the creditor name.
I submitted a complaint through CFPB, Case number : XXXX. Key Bank was willing to work with me to activate my account and remove it from " charged off '' status. I made the payments as outlined by Key and my account was returned to XXXX XXXX to handle my account where I have made payments the past two months and I am up to date. I am still receiving late payment notices from XXXX XXXX, the collection agency. I received a late payment notice from XXXX on XXXX XXXX, 2015. I reached out to XXXX Key Bank, the contact that I was given should I need any assistance at Key and I have left several voicemails to call me back and help get this resolved and I have yet to hear back. I stated in my last voicemail on Saturday XXXX XXXX, 2015 that if I did not hear back from her by XXXX XXXX, 2015 I would file another complaint because that seems to be the only way this company will work with me.
I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/2018 ; XX/XX/2018 ; and XX/XX/2018. It is now XX/XX/2018. I sent the PNC BANK, NA and all 3 credit bureaus a copy of my police report, ID Theft Affidavit, ID, and my social security card. The company has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.
Navient XXXX XXXX XXXX, reported late 90 day and 120 day late payments to all three credit reporting agencies, when I indeed was not late, my account was in deferment, on top I was never notified of any changes or payments needing to be made, spoke with Navient on numerous occasions. The representative told me if I went in deferment my credit would be updated and then my credit was never updated, they came back and said they couldn't. They are very rude and not helpful in resolving this issue at all. They do this to everyone, because they know people need student loans. This is not fair and invading rights.
I had a home equity line of credit thru PNC Bank. I received the letter in 2012 telling me my loan maturity date was coming up & I needed to either pay off the loan or renew the loan for another 10 years. I submitted all the required paperwork, i.e. pay stubs, XXXX, etc. Apparently the person reviewing my application did not know how to read a credit report. I owed approx. {$150000.00} on my mortgage & {$55000.00} on my HELOC. I did n't hear back for over 2 months & when I finally got in contact with that person they told me they could not renew my loan because I owed too much on my house. When I asked him to clarify, he told me I owed {$210000.00} on my house so they could n't renew my loan for the additional {$55000.00}. I tried repeatedly to explain that the {$210000.00} was the mortgage & HELOC & that 's all I owed. By the time I sent all the paperwork to him to prove that all I owed was the {$150000.00} & {$55000.00} the loan had come due. Because I did not have {$55000.00} to pay it off, I continued to make my usual payment of {$1000.00}. After 3 months, that person 's supervisor looked over the paperwork & saw the error but then I was told they could n't renew my loan because I had a low credit score. I had perfect credit until PNC Bank screwed it up by not knowing how to read a credit report. It finally went thru a loan modification department & I was told HELOC would be closed & converted to a signature loan @ 1 % until it was paid off & the lien would be removed from my house. I recently tried to re-fi my mortgage since my credit score has improved & the rates are low. When my bank ran my credit report, it showed the HELOC was still open & I had a {$57000.00} credit limit. After repeated phone calls to MANY people, I finally got a letter that stated the loan was closed. I gave that to my bank but now the title search shows PNC Bank still has a lien on my house. That lien will affect the rate I can get on my re-fi.
SUNTRUST BANK IN FLORIDA ISSED A CASHIER CHECK IN THE AMOUNT OF {$4200.00} CK XXXX AND REFUSING TO HONOR PAPER. 
THEY ARE IN VIOLATION OF THE DOOD-FRANK ACT FOR ISSUING FRAUDULENT CHECKS TO CONSUMERS.
I have dispute a debt with Experian and a collection agency that remains on my credit report. XXXX continues to say that the debt has been validated but I have never seen any documentation. I disputed the debt directly with the agency and they were never able to validate with me directly that this debt belongs to me. I filed a complaint against the agency with CFPB and they advised me that their client was not able to validate and that there was a name discrepancy and that the account would be deleted from my credit. As of today this has yet to happen. If the agency advised me that there is a name discrepancy, how is Experian saying the debt is validated? I uploaded the agencies response to my complaint to Experian that clearly says the account will be deleted and Experian still came back and denied my request saying the debt is validated.
I began my XXXX studies in XXXX at XXXX XXXX University. I took out a private loan in order to continue my studies. I was unfamiliar with student loans at the time, and my parents were not able to pay for my schooling. I took out this private loan with the assistance of my financial aid counselor at XXXX, with my father as the co signer. I graduated XXXX as an XXXX in XXXX XXXX. I began XXXX school at XXXX in XXXX XXXX. I began getting phone calls from American Education Services, requesting that I make payments. I explained that I was attending XXXX school, and was unable to make the payments they requested. I graduated with my XXXX XX/XX/XXXX, and began working in XXXX of XXXX. I have not been able to make the large payments requested by AES because I came out of college with nothing, moved in with my parents and made small payments. At one point I was asked to make payments multiple hundreds of dollars a month, which I was and, I am still unable to make. At this time, my loan has become " severely delinquent '' and I am being asked to make a one time payment of {$54000.00}. I have been told by the collection agency ( XXXX XXXX XXXX ) that I no longer have the option to make monthly payments because of my severe delinquency. My father is also being harassed with phone calls, and being threatened by these representatives. I have offered to make small payments now that I am a bit more financially stable, but the collection agency stated that due to my continued delinquency, I am no longer eligible to make monthly payments. The collection agency has advised my father and/or myself to take out a second mortgage on my parents home to make the loan payment. At this point, I feel helpless because I have no way of getting that kind of money, and according to the collection agency, I have no other options at this time.
I made a purchase from Lowe 's that was financed by Synchrony Bank for {$1500.00}. In XXXX and XXXX it was advertised on television as zero ( 0 ) interest. Nothing was stated about monthly payments. It was also sated I must pay each deferred interest promotional balance in full by its expiration date to avoid paying accrued interest charges. I was also told I may at any time pay, in whole or in part, the total unpaid balance without any additional charge for prepayment. I made advance payments that superseded any monthly annual payments. I paid my promotional balance in full before the expiration date. I was charged late fees, interest and received the most disgusting, harassing and false in formation was entered on my credit report. I am not the only customer with this problem. I spoke with various company representatives that supposed to record our conversation but it did do any good. This promotion in my opinion is the greatest bank scheme that is defrauding millions or billions of dollars monthly or annual from the consumer. XX/XX/XXXX I made the transaction for {$1500.00}. With zero interest and was told XX/XX/XXXX was my expiration date I paid {$66.00} on XX/XX/XXXX. {$500.00} was paid XX/XX/XXXX. Another {$500.00} was paid XX/XX/XXXXand my final {$500.00} was paid XX/XX/XXXX. Balance due now is {$950.00} for what? I did what I was suppose to do.I paid my bill in full before the expiration date. I have a Room To Go account serviced by this bank and the same thing happened.
Equifax refuses to investigate correctly and validate debt and correct dates and amounts. They continue to show items the items and also they have not provided me with an updated report. I want disputed items investigated correctly and updated correctly on my report.
I visted XXXX Physicians in XX/XX/XXXX for treatment due to my medical condition. At the time, I was insure with medicaid when treatment was provided. Three months later I received a bill from XXXX   stating that I owed {$210.00}. When I contacted XXXX I was told that my insurance didn't cover my treatment and that this bill was now in collections. I then contacted medicaid who confirmed that the treatment was denied because XXXX  submitted the wrong paperwork. The representative instructed me to contact XXXX  and tell them to either contact them or resubmit the paperwork and that they would glady take care of it. So I contacted XXXX  and explain to them that they must contact medicaid and resubmit the paperwork. The lady I spoke with informed me that they do not speak with insurance companies but I can contact the insurance company myself and we can all talk three way, which I did. All three of us were on the phone, a medicaid representative, XXXX billing department and myself, when medicaid told XXXX to resubmit the paperwork. The gentleman informed them that they have submitted the paperwork twice but will try again. On XX/XX/XXXX, a collection was added to credit report from Bull City Financial stating that I owe a debt from XXXX  Physicians in the amount of {$210.00}. I want this debt removed from my credit report because I feel it should not be there. If the two companies just communicate with each other this could have been settled months ago. The last 4 digits of my SSN # XXXX.
From the reporting company stating that no further action would be taken with out evidence being submitted. This is not right at no point was there any information received indicating that an investigation was completed but then your company sends this response that nothing will be checked into with out proof/evidence? Your company just blatantly broke the law which states that when information is requested that the credit reporting agency needs to investigate and resolve. Now with evidence that your company broke the law the items need to all be deleted. This is completely unacceptable.