WillisBack/dataset-financial-user-claim huggingface dataset:
We have XXXX Business accounts with BB & T and for the most part all has gone well for about 13 years. Two days ago we were hit with what the Police called XXXX. It was a XXXX. My first call after the police was to BB & T. The fraud people were understanding as I was very shakey and upset. I authorized the closing of XXXX of the XXXX accounts but did NOT authorize the closing of the operating account as I had to get to XXXX ASAP to say good bye to my Father who is in XXXX. I already had planr, car and hotel reservations made and would need the debit card when I arrived in XXXX. The XXXX happened on Saturday night of a 3 day weekend and the banks were closed today being Monday. The fraud people were explained that I would have to go in person to the bank to get a new card and since the local branches did n't open until XXXX and I had to be at the airport by XXXX I was given the address and phone number of the branch closest to the XXXX airport. It was agreed that BB & T would keep the account open until I picked up the rental car in XXXX and gor to the Branch to pick up a temporary card. I thought all was well until this morning when I tried to get gas and discovered the account was locked. I have spent the entire day trying to get BB & T to unlock the account. This morning at XXXX I waas told by customer service that he would have to investigate before opening the account but that he would call me no later than XXXX. When he did n't call I tried to call again to discover that he had left for the day. around XXXX I reached someone named XXXX who said he was a supervisor in customer service and that it was his decision not to release the account and that he had notified the fraud department of his decision. He then disconnected the call. In a XXXX, I called the Fraud people back and explained that after multiple calls, always getting different people, being on hold until the call disconnected I was getting desperate. IN the meantime I found out that my Father was worse. I considered delaying the trip one day but without the card I ca n't change the reservations and now realized that if I did n't get there tomorrow afternoon I might not see him alive. The fraud people said their hands were tied. XXXX stayed over an hour after she was due to go home trying to get someone to release the account without succeeding. 
We are XXXX and this is a Business account. We do n't use credit and have no other cards. We have only the money in our pockets. I have no way to get to the branch in XXXX without a car. It is beyond belief that the bank has no one on call with the authority to handle this kind of emergency. I feel like first I was victimized by the XXXX but even worse now I am being victimized bt the bank I trusted. Whose side are they on?
I called my mortgage company about what was needed to remove pmi and I was told that my loan to valu ratio needed to be below 80 % for pmi to be removed. I then scheduled an appraisal through Roundpoont Mortgage ( my lender ). The appraisal came back at 79.5 % but the pmi removal was rejected for reason that the loan to value needed to be at 75 % or below. This was obviously different that I was originally told so I called and a manager listened to the call recordings and she confirmed that I was misinformed but they still would not honor the pmi removal. I feel that this issue was unfair to the consumer and that the pmi should be removed.
I resent Citibank and XXXX XXXX XXXX using resources generated by my use of their credit cards to promote XXXX control. I am XXXX XXXX XXXX, a XXXX, have a carry permit and support the XXXX. It is a hassle to change credit cards but that will be my next step.
My account was referred to a debt agency which I reached out and attempted a settlement. The debt is approximately {$4600.00}. Upon speaking with the first agent I was told a settlement of 70 % of the debt would release liability for one party but the other party on the debt would remain responsible for the remaining balance. I did advise I would call back when I had the funds available. During the time ( less than XXXX weeks ), I received multiple phone calls on my cell phone which I did not consent to but never left a voicemail I can only furnish the phone logs, when advising the agent of TCPA laws i was advised in Florida they do not have to adhere to those laws. I continued to ask about the settlement in my last call and was advised it was never guaranteed and the " manager '' XXXX XXXX is declining a settlement. I asked the representative XXXX XXXX to pull the phone call from my original attempt and she advised me they do not record their calls and her peer is not a liar in her documentation.
I have contacted Nationwide Recovery Service on XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16 formally requesting that they validate the account that they have listed under my social security number which they are reporting to the credit agency with documents bearing my signature showing that I have a legally binding contractual obligation to pay the alleged amount. Yet they have failed me in their non-compliance of the federal laws under the Fair Debt Collections Practices Act. They continue to send me bills with another patients name and information and have failed to validate their claims.
There are XXXX unkown social security numbers on my credit report that I do not recognize. There are also a alarming number of accounts that I did n't open.
Lien placed on my residence when debt is not mine. Person who the debt belongs to has same last name and same last XXXX of SSN, however different first name and middle initial than mine.
We are  trying to complete a short sale under federal regulations that involve multiple collections. PNC is the 2nd Mo rtgage and will not liquidate under federal guidelines and therefore, will be force placing a Foreclosure Sale Date scheduled for  XXXX   XXXX ,  2017  in the  XXXX   XXXX   XXXX . By Force placing this Foreclosure, PNC will be cutting off settlement agreements and short payoffs already negotiated with  the 1st  Mortgage  XXXX ,  XXXX   XXXX  and  XXXX   XXXX   Revenue Departments and the Federal IRS. PNC is subordinate to all these lien holders ( last in line ) is not providing any appeal resolutions nor liquidation options available under the federal liquidation guidelines. We are only requesting a short pay resolution to allow this property to convey and pay all other lien holders their already agreed settlement amounts. PNC can reserve their right for future collection and hold us liable for this debt after conveyance. The First Mortgage, Local Property Tax Collector and the IRS all trump this collection and under federal guidelines can limit the options and payo  uts to PNC ( last in line ). PNC is demanding more than required under their Federal Liquidation guidelines. PNC is subordinate to all these other collections and must release the lien from " property only '' to continue their collection efforts for this debt with us directly. PNC has admitted  they have already " charged off '' the loan and under federal guidelines we are requesting, in lieu of a force placed foreclosure, for them to release from " property only '' which will make us liable for the  remaining balance after this said liquidation and short sale. Otherwise, allow liquidation under Federal Short Sale Guidelines and Procedure.
Ifiled Bankruptcy in XX/XX/XXXX, was Dischardged in XX/XX/XXXX. XXXX and XXXX still show the following : XXXX. XXXX as past due and in Collection. XXXX was Part of my DischargXXXX 2.Nationstar As past due and in Collection. Nationstar was part of my Discharge XXXX XXXX as past due and in Collection. XXXX was Part of my Discharge 4. XXXX does not have my Bankruptcy as a public Record 5. XXXX account and XXXX acct i was only Authorized User, and Should be Removed from my Profile
I had filed a fraud claim on a company that took money out of my account, and simply wanted to get my money back ( {$190.00} ). I figured it would be easy since I had n't signed a contract, nor did I authorize the payment. Within the week, I was issued a credit of {$190.00} to help me out until I get the refund, and a week later, the credit was withdrawn but yet to receive my refund. I was proceeded to be told that they had to notify the merchant about receiving the money, and that they had to give them 60 days to dispute the claim, and if it goes undisputed, I would receive my money. Within 30 days, the merchant called to notify me that they issued a charge back to my account, but my bank never received it. Now today, the 60th day has arrived, yet no money. I proceeded to call both my bank and then the merchant. The bank said that it is now going into an arbitration to get my money back, but this was new to me. They never disclosed this information about an arbitration before, and did not know I would wait another week. I was not given all the information, and was very frustrated because I am needing that money for food and gas. The merchant claims to have given back the money on XX/XX/XXXX and they e-mailed me that information, but my bank has no record of it. Then, another phone call to my bank resulted in my refund being received but was removed by branch management. Then, I was told the credit that was issued to me should never have been given to me, and I was also told that in the future, I " should n't be giving out my payment information '' which I thought was uncalled for, since she did n't know the whole story. I tried calling the branch that issued me the credit, but there was no number listed. I called the Customer Service again, and was given the number to then only be told that the money has yet to be received. I called the merchant, and they sent me information regarding the bank chargeback, and the merchant would not be able to discuss my account with the bank, nor would they have a record of when the bank contacted them because of some policy. Customer support for my bank was very disappointing, and frustrating. They gave me different scenarios for my problem, yet have no clear answer. It also seems they really made no attempt to contact the merchant, which makes me feel they are not working in my best interest.
My Federal Perkins loan was placed in default due to an error made by an employee of XXXX XXXX. On XX/XX/2017, This company states it tried to post a payment to my checking account. No account could be found or a NSF issue. They sent the loan into default. I contacted my bank Account credit Union. We went over the transaction history specific for that date..no transaction was found for XXXX..and the account had a balance of XXXX dollars in it and another {$1200.00} posted the same day. The months before XXXX XXXX successfully received the payments. I didn't change my account every thing was the Same. 
I believe the payment was applied to the wrong account or computer error on their end. 
There is now a default on my credit report and inaccurate information in my loans records. 
Had it not been for this one single incident my loan would not be in default
I paid off balance on my capital one credit card and no longer used it XX/XX/XXXX. But I did have an error of a recurring annual charge from another company that a failed to cancel made XX/XX/XXXX. The charge appeared on my credit card. Because I selected paperless billing all of the notices and late notices came through an email account. Because Capital One spams so much all their e-mail went to junk mail. During this time my wife was XXXX, I was taking her XXXX daily, staying nights XXXX, etc. Her XXXX is finishing up and we finally decided to purchase a home. I go to apply for the loan and this charge and three months shows up on my credit report. I pay off the balance immediately and contacted them requested a good will correction. Because they did not notify me by any other method then a block e-mail account I now have a bad credit score from what was otherwise a perfect history and because the infraction was so soon it was a huge impact. Requesting the adjust they refused citing they report everything accurately. While in fact true, their notification policy that I foolishly opted in for is the only reason the issue occurred. Never again will I use paperless billing only. The objective of the FCRA is to protect consumers with accurate and fair information. I feel this infraction is unfair especially cosidering my relationship with capital one was perfect and accurate on time payment for years. I only run into the problem when I pay off the balance and they no longer want to work with me. My interest rate will be more than 0.5 % higher than otherwise.
This complaint is regarding Wells Fargo. XX/XX/XXXX I refinanced my home mortgage taking cash out to make home repairs, pay off an auto loan and pay off an installment loan with Wells Fargo. On XXXX/XXXX/16 I made the final payment on the installment loan at a local Wells Fargo branch. This check included a slight overpayment. The payment on the loan, final accrued interest and overpayment were all processed on XXXX/XXXX/16. On XXXX/XXXX/16 Wells Fargo reversed the entire amount paid on XXXX/XXXX/16 telling me the loan payoff was coded incorrectly. The representative on the phone told me on XXXX/XXXX/16 the loan payment was being reprocessed and should be back dated to the actual payment date. In the meantime, Wells Fargo is telling me the same installment loan is past due and put a {$39.00} late charge on the account. On XXXX/XXXX/16 I called customer service to find out why the reprocessing of the loan payoff still had not gone through. I was told it was still in process. On Saturday, XXXX/XXXX/16 I went to the local branch where the original payment was made back on XXXX/XXXX/16. The personal banker called on this same installment loan and was told the payment was not made correctly. And that Wells Fargo is reprocessing the payment. This personal banker in the branch said everything was applied correctly on her end, so she felt this should be resolved and soon. Today, XXXX/XXXX/16 I contacted Wells Fargo customer service via phone again and was informed the bank check from the title company was returned for insufficient funds twice. We contacted the title company who confirmed verbally the check for the loan cleared their bank on XXXX/XXXX/16. Account numbers and check numbers were confirmed. Payments were due on this installment loan on the XXXX of each month. The loan is now XXXX days past due according to Wells Fargo. Yet I have a receipt with a transaction number proving I paid the loan IN FULL on XXXX/XXXX/16. This loan pay off was rolled into my current mortgage with Wells Fargo. So I feel they are trying to collect on the same debt twice and/or lost {$6800.00}! I keep getting told by Wells Fargo " we need to research this '' but no one can seem to get this resolved.
I noticed in XXXX XXXX that a hard Inquiry was made for a XXXX XXXX  credit card that I had NOT solicited. I have already called bank various occasions, complained about it, they checked, verified that whoever did solicited a credit card was not me, said they would report to credit bureau ( XXXX, XXXX, Experian, but nothing has change. That was XXXX XXXX. But already it had happened before on XXXX XXXX. II always tell XXXX to write down that I have not and will ot apply for a credit card with them, whoever does will NOT be me. It never is taken off my credit report. I did NOT solicited a credit card with XXXX XXXX. Please help me out here.
" " '' I have disputed this collection on this XXXX XXXX XXXX for months.Experian and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
XXXX BANK ONCE AGAIN IS IN VIOLATION OF FDCPA AND TCPA ETC ... HAS SUBMITTED UNLAWFUL LAWSUITS TO US AND HAS ONCE AGAIN AUTHORIZED COLLECTION AGENCIS TO HARASS US. THIS DEBT BELONGS TO XXXX XXXX XXXX, XXXX AND EX FAMILY MEMBER.
I entered into a contract with Trinity Credit Services and was told that I had to pay them {$890.00} for their services. I paid them on XXXX ( {$300.00} from my visa ), on XXXX ( {$200.00} from my visa ), and on XXXX ( {$200.00} from my XXXX ). The total restoration fee was {$710.00} based on a {$170.00} discount granted me if I agreed now. On XXXX, XXXX XXXX pulled my credit report and I discovered no changes were made in terms of deletions of inaccurate information. XXXX XXXX stated that they were still working on the file. I asked her about the investigation on XXXX XXXX XXXX XXXX. I indicated that this company failed to : state the original date of default, the date the debt was transferred from original creditor to XXXX party debt collector, the original balance, the current balance, and surety bond information. I was told by Trinity Credit Service representative ( s ) to forward all correspondences to their office which I did. This included the collection letter from XXXX XXXX XXXX XXXX. Since XXXX XXXX assured me that they were still sending out investigations, I said ok. On XXXX XXXX, I received a congratulation email from XXXX XXXX who enrolled me in the program and who took my payments for their credit repair services. I contacted XXXX XXXX and asked him what was the congratulation for, he said your XXXX days are up and I said well there has not been any deletions to my credit report. XXXX XXXX said well that 's the way it is but you 're done. This confused me so I called XXXX XXXX who also forwarded me the a similar congratulation email. XXXX XXXX said she was still working on my files and to disregard XXXX XXXX 
XXXX XXXX. I asked XXXX XXXX again as to what they were doing on the XXXX XXXX XXXX XXXX collection case since a review of my file showed XXXX investigations. I told XXXX XXXX that I forwarded a complaint against this company to the Texas Attorney General Office under case # XXXX. When I also mentioned the XXXX XXXX case and the XXXX XXXX auto loan account as being delinquent. XXXX XXXX said that she was still working on my file. On XXXX, I spoke to the receptionist at Trinity Credit Service and requested proof of the correspondents forwarded to the original creditors and collection agencies on my behalf from the owner of the company and all return responses of these creditors and collection agencies. The receptionist said she would pass my message to the owner of the company. I told her to have their staff to continue working on my file since that 's what I paid them to do. It appears that this company has engaged in deception trade practices and has violated the Federal Credit Repair Organizations Act ( 15 U.S.C. 1679 ) by misrepresenting what it could or could not do, by altering the days of cancellation, and by collecting money before all promised services are performed. In terms of deceptive trade practices, this company never contacted any creditors or collection agencies ; therefore, they are unable to provide me with documents send to the collection agency as part of their investigation and the responses of the collection agency and other creditors in verifying the alleged debts.
Equifax did not provide VALIDATION AND PROOF of late payments, which is requested. Please have them validate late payments displayed on my credit report for accounts : XXXX XXXX XXXX XXXX XXXX
XXXX Montana got hit by a hailstorm in XXXX 2016, my insurance company ( the XXXX ) sent their adjuster out, on XXXX XXXX I received checks number XXXX in the amount of {$530.00} and number XXXX in the amount of XXXX, total XXXX at that time, XXXX XXXX 2016 the total owed to Roundpoint Mortgage was {$9200.00}. The checks were made to myself and Roundpoint Mortgage thus needing Roundpoint to endorse the checks so I could proceed with repairs to my home. 
Roundpoint stated they needed me to get contractors estimates and send them in with the checks for endorsement. In a phone conversation with Roundpoint I explained that this was the XXXX hailstorm in XXXX Montana in the last 4 years and that contractors or so busy that they are not writing estimates without charging for their time. Given the low balance owed that I felt that the XXXX adjustors itemized list should be sufficient. I based this on the fact the 2 years ago I received hail damage in excess of {$20000.00}, and owed almost {$30000.00} on the loan, Roundpoint at that time accepted the adjustors estimate, endorsed the checks and sent them back. The person said they check with a supervisor and agreed and said to send in the check and the adjustors list. These were mailed on XXXX/XXXX/2016. 
Roundpoint cashed both checks on XXXX XXXX 2016 ( confirmed by the XXXX Insurance on XXXX XXXX 2016 ) and sent a letter stating I would need the estimate/invoice for repairs to issue the funds to me. 
On XXXX XXXX I emailed Roundpoint " lossdraft '' ( confirmed on Monday XXXX XXXX 2016 at XXXX ) authorizing them to use the funds to pay off the mortgage, reconfirming the amount of {$9200.00} and send me the balance of {$5000.00}. 
I was told XXXX that the check would go out by the end of the week. 
On XXXX XXXX 2016 I contacted Roundpoint as no check had arrived, I spoke with a supervisor " XXXX # XXXX '' laid out the entire issue, she told me that the mortgage had not been paid off, that nothing had been done with my email. She researched the matter and found all the notes and communications, and acknowledged they had not followed through and she would make sure everything was done and a check would be issued. 
XXXX XXXX 2016, no check yet, contacted XXXX XXXX # XXXX again, she told me that they were not able to issue a check as they had to wait for the funds to clear, after a lengthy discussion the assured me a check for {$5000.00} would be mailed no later that Friday XXXX XXXX. 
XXXX XXXX, still no check, called XXXX, now they say the mortgage was paid off on XXXX XXXX, but no check can be issued until after XXXX XXXX as they are " waiting for funds to clear ''? Really? 
At this time Round point has noit followed through with anything they said they would do in a timely fashion and have been sitting on my funds for 6 weeks holding up my being able to proceed with repairs to my home. 
I am requesting your assistance in collection my funds plus any penalty and interest ( as Roundpoint would charge me if I made a mistake and had n't made a payment or was late ) that I should be entitled to as Roundpoint has not acted in good faith.
Chase Bank, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX has sent numerous advertisements " Enjoy up to {$500.00} on us '' with details about opening both a savings and a checking account to earn the {$500.00} with minimum balances and length of time the money must stay in the account. When I tried to apply for both these accounts at XXXX Chase Bank branches in XXXX XXXX, I was refused because the staff person said that I had used their incentives before and they would n't accept me as a customer. I did n't see any wording to that effect in the advertisement I have. Is Chase Bank allowed to deny such a transaction?
XXXX XXXX just reported a {$120.00} collection account on my credit report. Prior to the appearance of this account on my file, I did not receive a notice of my right to dispute.
I was incarcerated between XXXX XXXX, XXXX, and XXXX XXXX, XXXX. I had opened an account with XXXX a couple of months before I was initially incarcerated, and was caught up on my bills. My aunt had called to have the service disconnected. Now I have a {$450.00} collection on both XXXX and XXXX from Pinnacle Credit Service, who bought the debt from XXXX. The most I should owe is an early termination fee, less than half of what they 're charging me, Pinnacle Credit Service refused to send me any proof that I owe the bills, and said I would need to hire an attorney, and they would send it to my attorney. I disputed it through XXXX, and it was denied, I sent Pinnacle Credit Service proof of my incarceration dates, and have made several phone calls to Pinnacle Credit Service and XXXX.