WillisBack/dataset-financial-user-claim huggingface dataset:
On a cold XX/XX/XXXX, the most dreaded thing that could happen when it comes to heating happened, the furnace malfunctioned, failed, and set off the carbon monoxide detector. Being right after the holiday funds were low and I contacted many different companies for help. The only company open was XXXX XXXX XXXX ( local ) and the well known XXXX XXXX. XXXX XXXX actually outsourced their work to XXXX XXXX XXXX as they have no actual furnace repair team that works at XXXX XXXX. I know this now but this is where the confusion began. I had been paying about {$100.00} a month since then however recently something went wrong and it has taken me months to unravel. When I purchased the furnace from XXXX XXXX XXXX they opened a credit line separate from my already established XXXX XXXX credit line. I know this now nearly 2.5 years later. That credit line did not say XXXX XXXX  XXXX but XXXX XXXX XXXX which made me think that is was just a major HVAC purchase under my XXXX XXXX account. When the balance increased I knew something was n't right and I realize this has nothing to do with XXXX XXXX  or XXXX XXXX XXXX for that matter but a credit line with Synchrony Bank that was used to pay XXXX XXXX XXXX. Initially when I realized this was a completely different credit line I immediately reached out to a law office thinking someone opened a credit line in my name, with investigation I unraveled the truth. In the meantime I have been slammed with over {$900.00} in deferred interest and late charges. Some suggested that even that in itself seems predatory but I am writing as a thankful customer, appreciative because without this I could very well be homeless or worse so I thank you Synchrony Bank but please consider waiving the deferred interest and fees and I will pay this off as soon as possible.
I never received notice of debt from the collection agency and was on a payment plan with the hospital to resolve. This is nuisance collection.
On XX/XX/2018 I purchased a XXXX gift cards for my son 's XXXX present. I never received the card. I have strong reason to believe this is due to my United States XXXX Veteran status. There is no other reason to block the transaction.
I have had a XXXX mortgage with Fifth Third Bank since XX/XX/XXXX. The loan amount was {$36000.00}. My monthly payment is {$260.00}. I have consistently paid more than the required amount. I am not delinquent and never have been. To this date, XX/XX/XXXX I have paid over {$27000.00} in interest and have requested repeatedly that the excess amount be applied to the principal. I was advised that interest is charged on a daily basis and that has to be paid first. My loan balance is still at {$34000.00}. My loan payment is due on the XXXX of each month and is considered late if not received by the XXXX. From what I was told from the bank was that even though my payments are received on or around the XXXX, that I am being charged interest for those days prior to the due date (? ). This is a terrible loan product and I have requested that my loan be modified to be fully amortized and was told that they do not do business in Arizona ... but yet, my home is in Arizona. I feel that this bank has taken advantage of me and still continues to do so. Their products are inferior and certainly not for the benefit of helping homeowners. Their lending practices are very unfair and unreasonable. I have asked for help but to no avail. Please look into this bank 's policies and procedures as it does not look good for just everyday working people that deal with this awful bank. Also, I am not delinquent and my interest payments are always on time ( their time ). This is not an interest only loan, although it sure looks and feels like it ... .just awful.
I am filing this complaint because Equifax has ignored to provide me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone past the 30 day mark and can not verify this account, under section XXXX ( XXXX ) ( A ) of the XXXX they are required to " ... promptly delete all information which can not be verified, that I have disputed. Please resolve this manner as soon as possible. Thank you
In XX/XX/2018, I financed a new XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. I got the loan thru BBVA. I set up online automatic withdrawal. I had problems setting it up online. So I tried over the phone. I was told I had everything set up online and all accounts, charges, settings were set. 
Well, after the first month, I started getting late notices on payments in XXXX 2018. I called and doubled checked my online account. Everything looked normal and already set up. On the phone, the representative would go over my account and said all was fine, it must be a glitch. And submit a work ticket. I never heard anything back.

Then 2-3 weeks later, I would get more mail stating I was failing to make regular monthly payments on my loan to BBVA. 
I once again, called and talked to a representative over the phone. Same thing. They said it was taken care of. 
In XX/XX/2018, I finally went into a local BBVA bank and said I wanted to speak to someone in charge and find out why my payments were not being submitted and why the auto withdrawal was not going thru. After 5 days, it was finally straightened out. BBVA apparently had the wrong account number from my bank. I had submitted it correctly, but they kept entering one too many digits. 
However, it is because of 2-3 months of NONE payments, I believe my credit history has suffered. I have a score of XXXX, as of XXXX-18. I believe this to be unfair since it was not my error back in XX/XX/2018, when BBVA made the mistake on my loan account. I wish for this to be corrected, reviewed and addressed. Since the correction, I have been late on NO accounts and fully pay all loans and bills on time with no past due or collection agencies.
I received flyer in mail I called about loan. The person told me they couldn't large but could do small loans which ended up being something like payday loan. when paying amount back I only paid interest and the person claims I owe them more than that so I refuse to pay back anything I didn't receive now the person is harassing my job that I listed on application.They are calling my manager and telling them they are responsible for my bill.

My manager stated this is how the phone went : The guy asked for XXXX and I told him that she wasn't working. He then proceeded to ask me ( XXXX ) if I was in human resources for XXXX  XXXX. I said no. He then asked if I authorized this ... I wasn't sure what he was talking about. So I told him that I didnt know what he was talking about. He also asked why my name was on it, authoriting it. I told him that I didnt know, but my name needed to be taken off. He then said that this wasn't going to go away ... insinuating that someone was going to have to pay. After that he asked for a manager, so I sent him to our store manager who got tired of arguing with him so he hung up on him. He called back the next day ( sunday ) and asked for XXXX. I said that she wasn't there and hung up on him.
I received a notice to vacate from Attorney XXXX XXXX XXXX stating that the owner XXXX XXXX XXXX XXXX XXXX is seeking to recover possession of the property. After contacting XXXX Bank, I received an email ( attached ) stating that XXXX owned the property that XXXX Bank is the trustee not the owner, but after research XXXX XXXX XXXX XXXX XXXX XXXX XXXX stating that the property was Service Released to Ocwen and XXXX Bank is still the Trustee not the owner. Attorney XXXX, under the motion filed in court by Another law Firm states that the property was sold to XXXX Bank by XXXX on XXXX XXXX, 2014. I never receive the addition information that XXXX Bank stated that i should have received by Ocwen as the transfer of the property to Ocwen. I called Ocwen and was told that the social security number listed on the loan number did n't match the property address at XXXX XXXX XXXX XXXX XXXX, LA XXXX. The loan number given to me by XXXX Bank # XXXX, and that Ocwen was responsible for the proceeding. The attorney filed that he was representing XXXX Bank as the owner. In court the attorney that gets the motion signed is working at the XXXX where we are to report fraud in Louisiana and he and other attorneys are committing fraud for these bank.
We were discharged from chapter XXXX. Our home is underwater and wife being out of work since XXXX 2015. We ask Our second lender ( Carrington ) to settle the debt so we can retain the property. They only offered help with a short sale. In a short sale they wo n't get nothing. We never reaffirmed the loan. Can you help us?
I purchased    XXXX    phones directly from  XXXX  online, which uses Synchrony Bank for financing transactions. During the checkout process, I selected the option for 0 % financing from   Synchrony, and filled out the application.
When I did not receive the usual verification text on my cellphone, I followed exactly the instructions on the website and clicked submit.
The result was that a decision could not be made at that moment. Since I was aware of the missing verification text, I called both Synchrony   and  XXXX  directly, and the Synchrony phone staff who assisted me got approval for the purchase. A verification number was mailed instead of texted.     When I received the approved card account mailing, there was no charge for the phones. When I attempted to contact  XXXX  about my order, I was advised there was no order retained by the system!     Most seriously, the promised promotional rate of 0 % is not available for my order, which has harmed me financially. I asked that this problem be remedied repeatedly, and I was assured it would be. However nothing has been done to set things right, despite repeated efforts to have this issue resolved.     Business license # : Synchrony Bank did not provide!     official company name : Synchrony Bank  XXXX   XXXX  mailing address as given by Synchrony staff : Synchrony Bank  XXXX    XXXX   XXXX     XXXX    XXXX   XXXX   XXXX , OH  XXXX
Carrington Mortgage services changed their payment address for bankruptcy accounts and did not inform their customers. I never received notice that my payment would not be received. When trying to understand why they did not contact me, all I received was the statement " because of the bankruptcy ''. This is an unfair practice and has exposed me to fees and possible failure to submit payments on time.
On XX/XX/XXXX, I entered my local XXXX XXXX # XXXX located at XXXX XXXX XXXX, XXXX, MD XXXX to send cash through XXXX to pay the XXXX XXXX. I purchased a XXXX cash transfer for {$5700.00} ( one for {$5000.00} and the other for {$700.00} ). I received a XXXX receipts for the transactions ( attached ). I then called the XXXX XXXX to verify the receipt of the funds. XXXX confirmed the funds were not received. I called XXXX to verify transfer of the funds. I was told by XXXX that the reference number on the receipt did not belong to XXXX. I went back to the XXXX on XX/XX/XXXX to inquire about my transaction and discovered that the XXXX Associate had completed a Checkfree Pay transaction instead of my requested XXXX transaction. The associate called checkfree pay and was told that XXXX would receive the funds on XX/XX/XXXX. On XX/XX/XXXX I contacted XXXX and was told that no payments were made to my account, and again told they do not recognize checkfree pay as an authorized form of payment. On the same day I did a conference call between XXXX and checkfree pay during which the XXXX representative informed checkfreepay that no monies were received and that he never heard of them. After hanging up the checkfree rep informs me that he will start an investigation ticket that will take up to 14 days. On XX/XX/XXXX I called XXXX again to check on the payment and told again no payments have been posted. On a second call the same day XXXX asked that I get a tracking number for the transaction so that they can trace the funds. I called checkfree again for the tracking number and told that they do not use tracking numbers, just the reference number found on the XXXX receipt. I told him that all electronic money transactions can be traced after which he gave a trace number XXXX XXXX XXXX,. I called XXXX and gave them the trace number. XXXX has promised to get back to me by tomorrow XX/XX/XXXX to update me on their investigation. XXXX and Checkfree both claim 24 hour transfer of funds and it is now 6 days later and {$5700.00} is in black space. I am without my vehicle to go to work and I am accumulating fees for non-payment. I have spoken to managers in the XXXX corporate headquarters on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX without return of my funds. I have been in contact with checkfree everyday from XX/XX/XXXX -XX/XX/XXXX ( except Sat and Sun ). Checkfree Pay continues to tell me that XXXX accepts payment from them all the time and that they receive calls from XXXX on a daily basis to verify payment, which completely contradicts what XXXX says.
I sent my first attempt for debt verification XX/XX/XXXX asking to provide me with proof of a signed signature with ERC which they failed to provide. I sent a second attempt for debt verification on XX/XX/XXXX asking again to provide proof of a signed signature with ERC since they are the reporting agency on my credit report. The negative information was removed but then later reinserted between XX/XX/XXXX and XX/XX/XXXX according to XXXX XXXX and XXXX XXXX credit monitoring services. I sent a third attempt for verification sent on XX/XX/XXXX asked to have the negative files removed since they failed to provide proof of my signature with ERC. I finally sent them a letter which would be my final attempt on XX/XX/XXXX informing them of the actions I have to take since they're doing illegal practices by updating the date of insertion with a different name now listed from ERC to XXXX XXXX XXXX on credit files between the dates of XX/XX/XXXX and XX/XX/XXXX according to XXXX XXXX and XXXX XXXX credit monitoring.
On XX/XX/XXXX I was notified by the police that I had fraud commited on my checking account. I was on vacation and two people broke into my car and stole my checks from the glove compartment. The police arrested 2 individuals and found my checks in there car. USBank cashed the check the women forged at a local branch in Minnesota and was given the cash. The amount was {$870.00} and the teller obviously didn't catch the forgery. Both have been arrested on fraud and forgery at this time and I have provided the bank in question ( USBank ) over three weeks ago. As of today I was told that they have a process for handling this type of fraud, however thay have not started researching yet because " they are busy ''. The bank did tell me that they have received all documents I provided to them which included police report, fruad paperwork, copy of check, and letter from the XXXX County Courts.I was not given a time frame of when they will return my money or when they will start working on resolving my account. I have enclosed all supporting documents.
During the morning of XXXX XXXX, XXXX, my purse was stolen containing my debit card and checks associated with this account. I proceeded immediately to report to the police authorities the incident and a report was filed under case number XXXX. Being XXXX XXXX I proceeded immediately to call Bank of America customer service to report the incident ( Friday XXXX XXXX, XXXX ). Two hours after, I presented myself to the XXXX XXXX branch of Bank of America, where I reported personally the issue to XXXX XXXX, in the role of Relationship Manager. On Saturday XXXX XXXX, XXXX, noticing that accounts were not closed yet, I proceeded to request XXXX XXXX Branch Manager the closure of my accounts. Her name XXXX XXXX. On Monday XXXX XXXX, XXXX, I came into XXXX XXXX XXXX, without funds in my account since thieves had withdraw by that time the amount of XXXX USD in two separate fraudulent transactions dated XXXX XXXX, XXXX that had been debited. This day the XXXX XXXX, Manager of the Downtown office received me and also did not closed or blocked the account. These funds were back posted by the bank into my account on XXXX XXXX, XXXX and XXXX XXXX, XXXX. After three visits to two branches of Bank of America and assisted by Managers the account was never closed at my request or blocked by either of them. And netiher by the Customer Service Agent on the call of XXXX XXXX XXXX. On Tuesday, XXXX XXXX, XXXX once again I visited XXXX branch and met with XXXX XXXX, Branch Manager. On Tuesday XXXX XXXX, XXXX, late night using mobile app I noted another fraud withdrawal in a form of check was performed from my account. Now this time for XXXX USD. All this after notifying Bank of America, XXXX and XXXX XXXX branches, through their Managers, and through customer service phone line. I had presented a claim of check fraud posted on XXXX XXXX, XXXX through the customer service phone line. At today 's date ( 82 days after ) the bank has not returned my funds and has created financial hardship through the ongoing process. Reason why I am asking this Bureau to represent my rights and aid with this financial institution in returning these funds with immediate effect and provide an update, response of the claim status. Numerous calls I have been placing through their claim check fraud customer service line, without receiving any response or return of funds. They just are limiting to inform claim takes up to 90 days to provide an answer, which is unacceptable. As you much have read, this is a very unfair situation, since I called the bank and was in contact personally many times with their authorities channels to avoid and prevent any fraud or withdrawal of funds from my account, but they certainly did absolutely nothing benefiting the thieves to continue withdrawing cash from my account.
XXXX   -2015   {$120.00}   XXXX   XXXX   Is an account that is not mines.
I was a victim of identity theft 2 years ago. I sent 3 certified letters to Equifax requesting that they validate several items on my report and send me either a contract or something showing that these were my charges. After 3 attempts, they never produced the documents and this is unfair to me as a consumer. They also had an address in a state where I never lived. The below accounts were never validated. They sent me a letter stating that they validated the accounts but failed to provide me with anything. This is a direct violation of the FCRA. 

XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There was also a XXXX  account that was opened in another state that they did remove but not the inquiry.
XXXX  's website does not allow access to credit card information online anymore. Every time I call they try and tell me it must be my browser. After arguing repeatedly with customer service they admit they are having technical issues with the website. This is unacceptable in this day and age. Its absolutely ridiculous that I can not monitor activity on my account.
The third party collection agency is reporting inaccurate information to each of the credit bureaus ( XXXX, XXXX & XXXX ). This company has re-aged an account listed to reflect a recent collection of XX/XX/XXXX and continues to report this falsified information even after sending the final statement from XX/XX/XXXX. The original creditor has verified the original date of delinquency XX/XX/XXXX which confirms that the correct information is on file but because the statue of limitations to sue would be expired the company is intentionally re-aging the account. I have disputed this account several times but it keeps being reported. It was originally disputed in XX/XX/XXXX.
I went to freeze my credit with TransUnion, but their website TransUnion.com/XXXX is blatantly advertising their credit monitoring service there, and makes the actual links to get to the page to freeze your credit very hard to find. Specifically, the link is at the very bottom in step 5 under " About credit freeze '' AFTER they suggest a lock by enrolling in their paid subscription service. This is a blatant attempt to financially take advantage of consumers in the wake of the XXXX breach. I did not fall for this trick, and personally need no resolution. However I want to report them for dishonest and unethical behavior in the hopes that they will make their credit freeze page straightforward and not deceptive.
ON XX/XX/XXXX I submitted a complaint with the CFPB reference Healthcare Collections-I , LLC. Healthcare Collections-I llc is currently listing an account on credit report in the amount of XXXX dollars. They alleged in the response to have sent me a validation letter mailed to me on XX/XX/XXXX. This letter was never received by me. I contacted the original medical provider and who confirmed with me that I no longer have an outstanding balance on there books. The last service I received from them was on XX/XX/XXXX which is over four years ago. I request that Healthcare Collections-I , LLC provide me with the following response through this portal and mail. Being that is debt they are attempting to collect is a medical one, a signed HIPAA letter by me authorizing the release of my medical records to them. Information related to the transfer of account from the original creditor to them, such as time, date, amount Healthcare Collections-I , LLC bought or sold my account for. I am currently working with a XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and requested the above issues addressed. I have also filed a complaint with the Arizona  Attorney General 's consumer complaint unit. 

Thank you.
I am having a problem with XXXX XXXX. There are two credit  cards that are in their name : one, which is through XXXX XXXX ; one which is through XXXX. These accounts are paid off as of XX/XX/2018, and they have reported to all three credit reporting agencies as a " charge-off '' instead of a " paid-off. '' I have contacted all three credit bureaus via mail, I have spoken with XXXX XXXX  and mailed them letters, including receipts showing paid off, yet they will not take this off of my credit report, which is making me get turned down for new credit opportunities. They state that because XXXX XXXX went out of business, they reported it as a " charge-off '' erroneously.
During the afternoon of Tuesday, XX/XX/2018, I was unable to cash a check at U.S.Bank, on which the check was drawn. I had valid proof of my identification. I was told by by bank teller XXXX XXXX that U.S.Bank would not honor the check because I was not a bank customer. In fact, I am a customer, having two credit card accounts with U.S.Bank. She said that only if I paid a {$7.00} NON-CUSTOMER fee, would she cash it. I asked to speak to the branch manager. I was told that XXXX XXXX was the branch manager, which was a LIE. I had to wait 15 minutes to speak to her while I could hear her gossiping on personal business on her telephone. But the bank 's HQ in MN says that XXXX XXXX is the branch manger. Why wasn't he informed about me? So, usurper XXXX XXXX repeatedly stated that to me that USBank credit card holders are NOT customers. TOTALLY ILLOGICAL! She also said that she did not know what the bank 's policy was because she was " not a lawyer ''. She NASTILY told me that she would follow XXXX 's advice and charge me a {$7.00} fee to cash their check. USBANK is abusing its national banking charter by considering customers to be non-customers. As a result of such EXTORTION, I did not get the money which the bank has and owes me. Therefore, I am 1 ) tellong the several people who give me USBank checks that in the future they must pay me in cash because of their greedy bank. 2 ) I am initiating a drive to the relevant congressional banking committees to improve current law abused by big banks. 3 ) I will begin to phase out use my two USBank credit cards and use other banks ' cards that I have. 4 ) Badmouth USBank to many, many people ( I have already started ).