WillisBack/dataset-financial-user-claim huggingface dataset:
I deposited {$300.00} cash into a vacation club savings account at M & T Bank branch in XXXX NJ. The deposit never went into my account. A copy of the receipt from the teller was emailed to their customer service rep and I have had conversations with the branch manager, XXXX. They have been in contact with their back office and to date my account has not been credited. On XX/XX/2018 XXXX stated sometimes this can take a week or more even if it was a cash deposit that did not post to the account. He said they can only contact the department that makes corrections by email and their is no senior management person he can call to inquire as to why this is taking so long. 

I want to close the account now as I am so frustrated with all the errors M & T has been making on other accounts as well that we have been having. Those issues have been finally resolved and this remains open. 

While I know this issue will get resolved eventually, it is mind boggling that cash ( and this could just as easily have been {$3000.00} in cash I would not have access to ) deposits go missing and the customer has to wait for days for a simple correction to the account that is clearly the bank 's error. What is the point of getting the receipt for a cash deposit. It is further distressing that if I had not checked on line that the balance was wrong, M & T Bank did not flag an error from a deposit made on XX/XX/2018. Had I had balanced our accounts as I do monthly, my husband and I, who are both over XXXX years old and have health issues would never have seen this money again. I have spent hours on the phone with M & T Bank, including their corporate offices in XXXX. What do people do who do not have the resolve to do this. How many other cash deposits may M & T posted into a black hole never to deposit correctly. This is the bank that had money laundering issues and could not complete the purchase of XXXX XXXX XXXX Bank in NJ ( who was a great bank ) for over three years because of the money laundering issues.
the debt in question has being pay in full as of XXXX XXXX, 2016
We have disputed this item three times through the bureaus because the account should have never been charged off, it only went late. Every time I call in, they verify it never charged off. However, when my mortgage company called to rapid rescore it and get the correct information, XXXX XXXX   claimed it was charged off. However, every time I talk to them, they assure me it never charged off. They state it should have never been reflected as a charge off. I asked why they couldn't just fix it and they stated I needed to send in a personal letter via fax and it would take 30 days to get a response. This is unacceptable because I have already tried 4 times to get this resolved. They say they record all phone calls so they should be able to pull up phone calls and verify it never went to charge off status.
IN my previous complaint # XXXX, Paypal responded that I can close my account. However, when I log in, my account maintain the restrictions so it is not possible to arrive to the menu Paypal mentioned in their previous response. Therefore, in order to close my Paypal account and then open a new one under a different email address in order to be able to use my XXXX bank account, I am kindly asking Paypal via this new complaint to close my account as the restrictions imposed by Paypal do NOT allow me to do it.
Discover Card and a few other collectors keep calling my cell phone and my mother 's cell phone for my brother 's debt. I told them this is not his phone number, I do n't owe you the debt and to take me off the call list. They say ok and then they still call / harass, almost every single day. They even called us on Sunday XX/XX/XXXX back to back at XXXX XXXX XXXX XXXX and at lunch time.
State of California XXXX posted Erroneous state tax lien {$260.00}. When they investigated after I disputed, they released the lien as, to cancel erroneous lien no fee required, XXXX and XXXX has deleted this from my report. Equifax refuses to delete erroneous information, even after sending certified copies from the County Recorders Office to them. They stated once they information it stays seven years, no exceptions, they have the right to destroy credit.
To whom it may concern, This morning ( XX/XX/18 ) I received a call from the Diversified Adjustment ( Collection Agency for XXXX ) regarding an outstanding balance I owe. The call was received at XXXX XXXX   ( EST ). The rep I spoke with was rude and wouldn't listen to my attempt at explaining that my cell phone was returned via the XXXX Label provided by XXXX and that tracking information was not available through XXXX because the package was never logged or picked up by them after I dropped the device off at a local XXXX Drop Box. Ultimately, I advised I was not going to pay their agency and ended the call as the agent repeatedly spoke over me and would not listen. 

Later in the day I received a 2nd call from " XXXX '' at XXXX XXXX attempting to collect the debt once again. To my knowledge this is a violation of the FDCPA, hence my reporting of this issue. I did not have the name of the agent from earlier in the morning and " XXXX '' would only disclose that her initials were " XXXX XXXX ''. Upon notifying " XXXX '' that I had already spoken with someone I advised the same that I was disputing the balance. I advised " XXXX '' that I would not be paying in the near future as I am going to explore my options to further dispute the debt owed and " XXXX '' ended the call without notice ( hung up ).
XX/XX/2018 - I was informed that non-account holders can no longer deposit cash into Wells Fargo accounts per Wells Fargo 's policy
There are many sides to this complaint. I will list them in numerical order. 

1. We proved to Kimball, Tirey and St. John Law Offices via pay stubs ( Military terms XXXX ) that the rent was paid in full, and in fact, was over paid for the month of XXXX 2011. We sent in proof, not only to them, but to the original creditors XXXX XXXX XXXX XXXXXXXX XXXX in XXXX XXXX, CA. 

2. We have spoken with the housing office for the military and they confirmed the rent was paid in full. They stated we should have XXXX XXXX XXXX XXXXXXXX XXXX contact them to confirm. The manager stated, when we told her this, ( numerous times ) that it was n't her job to call and that they had no proof of payment. She kept requesting a receipt or cancelled check, but that was impossible, since the military included our rent in our paycheck and it automatically went to them every month through XXXX. 

3. We have provided proof twice to Kimball, Tirey and St. John by providing official copies of the XXXX. ( XXXX XXXX XXXXXXXX XXXX ) provided to us by the military. We asked them for proof that it was n't paid, so we could submit that to the military, so they could pay for it out of our XXXX if for some reason our statement and their statement showed differently. The only thing they could provide for me was a signed piece of paper from XXXX XXXX XXXX XXXXXXXX XXXX by the manager stating that rent was due for the month of XXXX, 2011. They could not provide any official proof. 

4. The amount they are stating is owed is {$1800.00}. We have proven to them that they received the entire amount for the whole month of XXXX, 2011 in the amount of {$1900.00}. We overpaid and never got our check for the overpayment. 

5. We recently contacted XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX and spoke with XXXX XXXX who confirmed this debt was paid and said he spoke with Kimball, Tirey and St. John Law Offices to tell them to remove the debt. 

6. Since then, I have filed with XXXX and XXXX ( working on XXXX ) to ask it to be removed and Kimball, Tirey and St. John Law Offices responded, saying debt was valid.
As of XXXX/XXXX/XXXX, Midland Mortgage ( a divison of Midfirst bank ) is alleging that I am behind 4 months in payments, and owe {$9300.00}. This is not accurate. Midland is holding a partial payment of {$330.00} and has n't applied the funds. Also, there was a payment of {$400.00} mailed last week ( XXXX/XXXX/XXXX ). My monthly payment is {$370.00} so once this payment is received, I will only be behind for two months. In XXXX of XXXX, we came home and found some unknown contractors in the house moving furniture around and they said they were hired by the mortgage company because it was in foreclosure. Upon this encounter, I immediately called Midland and the gentleman that I spoke with informed me that the property was NOT in foreclosure and that no one should 've been in the home. The police were called to the home and the officer made them leave, this is documented. With my monthly payment being {$370.00}, the most I owe is {$800.00} XXXX roughly rounded ). Midland is trying to force a foreclosure on my account and has no legal ground to do so.
In XX/XX/XXXX I was sent a XXXX XXXX XXXX XXXX XXXX report in my name XXXX XXXX XXXX and someone by the name of XXXX XXXX. 

In XX/XX/XXXX I went to school at XXXX XXXX University on a partial football scholarship and transferred this year to XXXX XXXX University ( XX/XX/XXXX- currently there ) the rest of the money needed for school I borrowed. My family and I moved from XXXX, XXXX to XXXX XXXX in XX/XX/XXXX. I have NEVER attended ANY schools in XXXX period. 

XX/XX/XXXX, My Mom received a notice from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. Someone we DONT KNOW is using my name, social ... to attend school at XXXX XXXX University without my consent! It initally started with a fees bill we received about 2 months prior. My Mom called the university and they said they would remove it and provide a confirmation. They did not and continue to allow this student to fraudently use my identity. We are reporting this to ALL agencies at every level. Please help us.
I noticed on Equifax they have my name as XXXX XXXX XXXX and my name is XXXX XXXX XXXX
I put {$100.00} on PLS XXXX prepaid card back in XXXX XXXX for services with XXXX. I was n't able to get the services, and XXXX refunded my money back to my card, but PLS will not release my money back to me after XXXX informed them that I did n't get their services. I, and XXXX, have repeatedly called PLS XXXX department to inquire about why they wo n't release my money and they have been doing nothing but lying about when my money will be released ( XXXX XXXX, XXXX, and now the XXXX ) are giving me the runaround. I ca n't get a supervisor on the line, I ca n't get my money.
I am applying for a home loan and was asked to pay off a debt from Midland Credit Management. I reached a settlement with them and paid {$620.00} and they agreed to report it on my credit file as paid in full less the full balance. On my credit report, MCM erroneously reported on my report in the comments section that I missed a payment of XXXX. Because of this false statement, I can not get a home loan because it shows I was late on a payment.
I open an account with XXXX XXXX Bank of New Jersey back on XX/XX/2018, it was reporting to Equifax for a few months then stopped. I have contacted the company which they stated that they have been reporting to the credit bureaus every month but the bureau is not listing this account & my payment history. I have called & they tell me to contact the furnisher of the information ask to have the account reinserted which I have done over five times.
I had an account with XXXX. My equipment was all picked up when I was n't home. I did n't get to sign anything or I did n't call them. They got all of their equipment and my bill was about {$300.00}. They charged me {$470.00} more than I supposed to pay, leaving it {$770.00} in collection. I got the issue resolved and I currently have my services active for a year straight right now. Now it says the same thing again and its ridiculous. I 'm getting cheated here.
XXXX XXXX was removed and re inserted on my credit report without properly notifying me within 5days and according to the FCRA this is illegal.
Due to bad security, leaked my SS, DL Number, DoB, and other identifying information. 

They knew and kept it quiet for multiple months, placing myself and others at unknowing risk. 

Their only offered fix is a 1 year protection, which requires waiving my rights to damages.
Credit reporting agencys TRANSUNION RE ; XXXX XXXX XXXX of XXXX And XXXX XXXX XXXX A letter and documents provided to dispute the debt claimed owed by XXXX XXXX XXXX of XXXX acting on behalf of XXXX XXXX XXXX was sent to Transunion on XX/XX/2018. Additionally, complaints in regards to multiple FCRA violations as well as violations of Texas deceptive trade act by the above mentioned companys have also been mailed to the following agencies ; Texas Attorney General and the Consumer Financial Protection Bureau. For your record this letter is being sent certified mail and copys of all documents will be kept should they be needed for an FCRA complaint against any participating credit reporting agencies who fail to remove this false debt immediately. 

Eastern account systems has changed the disputed debt to collection paid instead of removing the disputed medical debt ( ( that was never in fact owed in the first place ) ) This medical disputed debt was entirely the responsibility of XXXX XXXX XXXX and XXXX XXXX. There was no balance owed ever by myself at any time. There should never have been any attempt to collect what so ever and this needs to be removed entirely from my credit report as it was not a paid collection, it was a disputed debt because it was never owed at all. 

I expect this item removed from my credit report immediately and an updated copy of my report sent to me or I will be seeking legal representation and filling a Lawsuit under FCRA violations against Transunion as well as XXXX XXXX  XXXX in federal court since it would be there jurisdiction. I will be seeking damages as well as attorney fees In Transunions willful negligence in there failure to comply with FCRA. 

There is absolutely no excuse and intent is implied to willfully harm me since every single document provided to Transunion goes above and beyond to prove a debt was never owed therefore in Transunion forcing this proven inaccurate debt to stay on my report by inaccurately representing it as a paid collection instead of removing it amounts to willfully being negligent as well as intent to harm. I expect your prompt resolution.
1.TrustedID with Equifax send alerts and you can not get any information from them and have to call the regular number. For the third time after being on hold over 25 minutes someone answered and before I could say three words hung up. I do not have unlimited time to continue to be on hold forever and never get the situation resolved. 
2. The TrustedID person gave me a phone number to make sure my report was frozen and I called it only to find it is a non-working number. 
3. PLEASE do not let them send a pat response like that have previously with out even looking into the problem. I WANT A RETURN PHONE CALL FROM A RESPONSIBLE PERSON AT EQUIFAX!!! It is the very least they can do at this point.
We received a bill for over {$1700.00} from BC Services on  a medical claim from XXXX XXXX XXXX of the XXXX. My daughter had XXXX there in 2016 and we did not know that we still owed money. I called the orthopedics and I paid them directly in XX/XX/XXXX or XX/XX/XXXX. The collection company has continued to call and send letters attempting to collect this amount. This is deceptive. I believe they are trying to collect money that's already been paid.
XX/XX/XXXX, I received an email from XXXX XXXX XXXX indicating that the promotional period from a balance transfer ( {$1200.00} ) would end in 90 days (XX/XX/XXXX ). During the next payment cycle ( XX/XX/XXXX ), I made three payments ( {$110.00}, {$300.00}, {$400.00} ) in just over a week 's period. When I checked the status of my account to check on the progress of paying back the promotional amount. Only a small amount of my payment ( {$92.00} ) was applied to the promotional balance for the first two payments total of {$410.00}. When I noticed, very little change to my outstanding promotional balance, I called customer service at Bank of America ( today,XX/XX/XXXX ) to determine what the issue was about applying my additional payments to the promotional balance ending in early XX/XX/XXXX. I was told that because have a balance in addition to the promotional balance that I can not direct payment to the promotional balance and they will not pay the promotional balance ( except for a nominal minimum ) until my other balance is paid completely. They reiterated that the highest balances are paid first and since I have a promotional balance of 0 % that wo n't have payments applied other than the minimum payment amounts until my other balance is paid. They suggested that wait until after XX/XX/XXXX after my promotional period has expired. At this point, the promotional balance has a non-payoff penalty APR ( 19.99  % ) that is higher than my standard APR ( 9.99 % ). At that point, payments I make ( with the exception of a minimum balance to the lower APR ) will go towards what was my promotional amount. It will also cause me to incur any deferred interest, which I imagine will be added to the principal amount at the higher APR. What is even more frustrating than these predatory practices, that this credit card is labeled as socially responsible and ethical -- this is a working assets credit card. After I was told that I could not apply any of my additional payments, I cancelled the extra payment I made today ( {$400.00}, XX/XX/XXXX ) and had them return the additional payment I made on XX/XX/XXXX ( {$300.00} ). Very disappointed in XXXX XXXX XXXX and XXXX XXXX.
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

BELOW are the Company, Account # and Balances for inaccuracies reporting on my credit report : Company : XXXX XXXX XXXX XXXX Account # XXXX Balance : {$28000.00} Company : XXXX XXXX XXXX Account # XXXX Balance : {$0.00} Account # : XXXX Date Open : XX/XX/XXXX Balance : {$200.00} Account # : XXXX Date Open : XX/XX/XXXX Balance : {$260.00} Company : XXXX XXXX  XXXX Account # :  XXXX Date Open : XX/XX/XXXX Balance : {$250.00} Below are fraudulently unauthorized inquires on my report : Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX I have never been associated with these addresses that are reporting on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, GA XXXX please remove these false accounts, inquires, and address from my credit report immediately.
US BANK FROZE MY ACCOUNTS AND CREDIT CARDS. NO EXPLANATION. NOW ITS ON XXXX for 5 years without any explanation, I have not given any personal information out and have been at this bank many years. I need to know exactly what has transpired. thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. CA XXXX XXXX Email XXXX XXXX
XXXX XXXX, 2017 my credit score dropped with transunion for no reason without explanation per XXXX XXXX. My XXXX score has dropped from XXXX to XXXX for no reason. XXXX XXXX is either reporting inaccurate information or the 2 credtit bureaus are making mistakes that suits them.
PRA purchased a debt from XXXX XXXX that should not have been eligible for recovery. XXXX failed to honor and provide account protection was on the account. XXXX needs to by back the debt and both companies need to immediately correct the information on my credit report. The debt was not and is not eligible for sale. XXXX has sent written communication regarding correcting the account and is in the process of doing so. PRA has never had any rights to the debt which also includes an extensive amount of interest and late fees that were added incorrectly. This has been a complete mess.
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX  XXXX Credit Bureau : Name : XXXX  Credit Bureau : Address : XXXX XXXX XXXX XXXX, PA XXXX Credit Bureau : Equifax Credit Bureau : XXXX XXXX XXXX XXXX, GA XXXX  Date : XX/XX/XXXX RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX, and I noticed an unauthorized inquiry had been made.

I contacted XXXX & Equifax, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile.

I request that you initiate an investigation into XXXX & Equifax inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation.

Thank you for your assistance in this matter, XXXX XXXX XXXX XXXX XXXX   XXXX, FL XXXX
Below is a copy of the compliant submitted to the XXXX : Complaint Type : Consumer to Business ComplaintNature of complaint : Billing or Collection IssuesProblem description : I received a call from XXXX XXXX at XXXX, on XX/XX/XXXX, stating that I owed a balance of {$510.00} to a payday loan company. I asked him for the name of the company and he indicated they act on behalf of multiple companies, XXXX of which was EZ ***** which I have done business with. He never mentioned to me that this was to collect a debt per the FCRA. They indicated that they had attempted to serve me papers on a number of occasions and that they are going to begin the court process to collect funds. I have never received any such attempt notifications or paperwork regarding this debt owed. As I have done business with that company, I agreed to a payment plan of {$25.00} every two weeks beginning on XX/XX/XXXX. My final payment would be on XX/XX/XXXX. On XX/XX/XXXX, this company ran my debit card for {$28.00}. I notified the above individual and after giving him my name, he proceeded to tell me that they needed updated payment information. HE BEGAN TO TELL ME INFORMATION ON ANOTHER INDIVIDUAL and had no attempt to verify who he was speaking with. He told me a letter was mailed out on XX/XX/XXXX stating that due to a change in payment processor, the amount was increased. I never received such letter. Told him advanced notice must be given when the is a change to an agreement and he could only say that this was a 'last minute change '. I have worked in banking for 13 years and something like this is never last minute and notices MUST be sent out. 
Desired Resolution : Other ( requires explanation ) Desired OutcomeBilling adjustment - I was never appropriately notified that there was going to be a change to the amount of the agreement. Contact by the business - would like to receive e-mail communication from company regarding my agreement. Apology - official apology for the lack of communication