WillisBack/dataset-financial-user-claim huggingface dataset:
I am XXXX, XXXX, and am on Social Security XXXX. 
I have a checking account at Suntrust Bank. Friday, XXXX XXXX, 2015 my check book was stolen from my car at about XXXX XXXX in XXXX XXXX XXXX. I immediately called the police in XXXX XXXX XXXX because it was not an emergency, they called me back about XXXX ), and immediately drove to the XXXX XXXX Suntrust Branch. I told the teller what had happened. The manager was standing there and joined our conversation. The teller and I were discussing closing the account, and the manager told us not to. He said that it was better to leave the account open with a small balance and open a new account with the rest of the balance. He also told me he was putting warnings and blocks on my old account, and assured nothing could happen. I checked with the XXXX Branch Monday and Tuesday, and went there Wednesday because a check had been cashed on my old account in the amount of {$710.00}. They told me someone at a XXXX XXXX XXXX Suntrust had over-ridden the blocks on the account, overdrawn the account, and cashed the check. I made a report to their fraud department at Suntrust while at the branch. The person taking the report was more interested in gathering information that would protect the bank, than finding out what had happened. She said that I was at fault because I had not closed the account, even though I told her I followed the Branch managers instruction. Fortunately the assistant manager got on the phone and verified what happened. They said they could not close the account because it was now in negative balance. During this time, my automatic deposit paycheck was put into the old account against the negative balance. They continue to bill overdraft and other fees. Again, I now have to call, or go to the bank for information because I do not have access to the account. 
I have been on the phone with the fraud department twice. The policy is that you can not talk to the investigators, so I spoke to the manager of the fraud department. I had a strange and senseless conversation that included being able to put the money back into my account for two days, but then there would be overdraft fees. She finally said she could send messages to XXXX of the investigators to prioritize my case. That was four days ago and I have heard nothing. I no longer have access to the old account online. When I spoke to the XXXX branch manager, he said that he had not heard from anyone and that he had called the XXXX Suntrust branch where the check was cashed and that they could not figure out who had cashed the check. 

I have never experienced such an escalating series of manager incompetencies, poor communication, and mangling of customer service ( except for the teller and assistant manager at the XXXX. Suntrust Branch- they were helpful and informative ). I have made the proper reports to the police. 

Please, please HELP! I only have {$27.00}, It 's XXXX, and do not get paid until XXXX ... 
Advice : Avoid Suntrust like the plague XXXX XXXX XXXX XXXX Contact information for : XXXX XXXX Suntrust Branch, XXXX XXXX, manager XXXX Suntrust Fraud manager, XXXX XXXX
The company that called me was Ability Recovery Services. I left several messages for a supervisor to return my call. 

On XX/XX/XXXX and XX/XX/XXXX the phone # XXXX called me and they hung up when I answered the phone. On the XXXX I called the number back and they gave me my name and an address asking me to verify the information. I told them they needed to identify themselves before I gave them any information and she hung up on me. I figured it was a scam. 
On XXXX XXXX I received a call where the caller did the same thing- say my name and an address and asked me to verify that information without identifying themselves at all. When I told her I would not give her any information until I knew who she was she identified her company as a debt collection agency ( did not give the name ) - and did finally say her attempt to collect a debt disclaimer. She quickly listed 2 debts and became rude when insisting that I needed to pay them immediately. When I told her that it was the first time I had heard about these particular debts and I was not ready to pay them today she said to me " It 's not like it 's going to matter, your credit is terrible anyway if you want to know what they are check your credit report next month, '' and she hung up on me again. I called the number back immediately and asked to speak to a supervisor. I was told that a supervisor was not available, but I could leave my name and number and someone would call me back. They did not. On XXXX XXXX I called again to speak to a supervisor. The person that answered the call put me on hold and then picked up the phone again and gave the name XXXX XXXX but it was OBVIOUSLY the same person I had just spoken to.
This creditor has harassed me, provided false information and they repossessed my car the day I went in to make a payment and would not allow me to make the payment and get my car back.
We have been having issues, the same ones for years. 
We paid our escrow total and they misapplied the funds. 
we paid XXXX to principle and they misapplied the funds-AGAIN. 
We have tried to contact their ombudsman and she sent us to another person who will now not respond. sent a letter to the XXXX and the XXXX of XXXX NC. 
Please help. we are seniors and can not afford for them to take our money when we are try to pay off the loan.
there use to be a XXXX dollar interest at the begin of the loan for the vehicle when i would be passed due because the loan was pricy so i know have to pay XXXX dollars of interest a day the vehicle was sold to me at full price when it was used and my contract was very sketchy plus there has to be proof of malpractice issuing these crazy interese rate for used vehicle because Westlake financial services has been order to pay a settlement of XXXX XXXX dollars to consumers and i purchased a vehicle right after the date in XX/XX/XXXX a year after they found them guilty. Which were used between XX/XX/XXXX and XX/XX/XXXX, violate the federal Fair Debt Collection Practice Act and the Truth in Lending Act, the bureau said i quote XXXX  XXXX. I was subject to phone call debt collections right after 3 months and then i would pay high interest and would not qualify to refi because i was in debt and once i was out of debt i still wasnt qualified to refi with Westlake financial service i was given a small window of opertunity to purchase the car by Westlake 4 year term and would like to extend term payment or lower interest rate i feel hopeless when they use tactics to repo the vehicle when i was working in the XXXX XXXX  city left it parked and was repo by city traffic control i was only backed up 2 months and had the vehicle for well over 2 years and cant believe i still owe a lot i feel they are commitng fruad the payment doesnt go down.
I was recently " Denied '' credit. When I tried getting my " Free '' annual credit report from " XXXX XXXX '' they told me " No '' and that I would have to " Pay for it. ''
My landlord received a call from XXXX, a debt collection company, who said they had a delivery for me and wanted to confirm my address and social security number. They left the phone number XXXX and a case number XXXX. I returned the call myself to request their mailing address in order to send them a cease and desist letter and to inform them that my sole source of income is XXXX XXXX XXXX XXXX. The ( unidentified ) woman on the phone refused to provide the company 's address and claimed that they were in the process of filing court documents to recoup an alleged debt. They would not provide me with any specifics regarding this debt and called me a " deadbeat '' who was trying to " hide behind a legal technicality '' ( my right to request that they stop calling me or my landlord and to contact me in writing, only ) at which point I ended the call. 

I have located an address for XXXX online and have sent a cease and desist letter, with a copy to XXXX.
This agency continues to contact me at my place of employment after I have asked them to stop. I requested that whatever debt they are calling regarding that they send to me in writing and I have not received anything but they will not stop calling me at work. The 1st time I asked them not to contact me at work the woman on the other end of the line proceeded to argue with me and advising I provided this number which is incorrect. I do n't use my work phone number as a method of contact.
Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) XXXX is reporting a collection for XXXX XXXX XXXX. There has been no attempt to validate this debt, therefore it should not be reported.
XXXX XXXX aka XXXX XXXX XXXX aka XXXX XXXX, account number ending in XXXX On XX/XX/XXXX XXXX. sold the alleged debt of {$2000.00} and ownership of said account to XXXX XXXX XXXX. In XX/XX/XXXX I reached a dispute settlement with XXXX in regards to the account. On XX/XX/XXXX XXXX changed the account balance to {$0.00} and then closed and deleted the account from my credit reports. Please see attached letters from XXXX. and XXXX. for verification. Over 30 days later on XX/XX/XXXX XXXX. recalls ownership of the account from XXXX. Then on XX/XX/XXXX XXXX. relist the account on my credit reports under their name with the old balance of {$2000.00}. The letter from XXXX. clearly reflects the account balance as {$0.00}. Closed and Deleted.
We have a mortgage on our primary residence with BofA that is delinquent. During the last 2 years we have been caring for by a son with XXXX XXXX XXXX who has needed our assistance, we are his only family. We are retired, my husband is XXXX and I am XXXX. We have a small business that we had to neglect to help him out. We were also unable to file our XXXX taxes but did get an extension. His surgeries and treatments have been expensive and time consuming. To save our home we sought and were approved for a reverse mortgage that fell short of the balance owed BofA. We have enough money to bring to closing to cover the principle but not the accrued interest or penalties. We have asked BofA to accept this. It is not dissimilar to what a home owner would request of a mortgage modification or short sale. After XXXX other complaints with CFPB they told us that they could help us. We were asked to provide all of the HAMP documentation which we have completed. Yesterday we were informed that they could not consider our case because we did not file a tax return for XXXX. I did some research and found via the HAMP website that is accessible by the servicers that in their FAQs that we are eligible for a modification even if we do not have a tax return for that year as long as we sign and send a Form 4506-T which we have done. I have also found in the HAMP Supplemental Directive XXXX that if tax returns are not available that other means of determining income verification can be pay stubs or bank statements. I have attached those references. We have provided 3 months of bank statements with income deposits indicated for our business, pensions and social security payments. We have provided a detailed P & L for XXXX, YTD XXXX and a pro forma for the remaining months of XXXX. We began this process in XXXX and have very little time before the reverse mortgage will expire. We informed BofA of this but it really feels like they are dragging their feet. We make daily and sometimes multiple calls per day and it has been typically 24 to 36 hours to get a response. We have talked or left messages with supervisors and supervisor 's supervisors and now are told that they will not consider our case. This seems like an inappropriate conclusion made by BofA and it feels like since we have equity in our home that it they do n't need to help us out because when they foreclose they will be made whole. It also seems inappropriate that assistance is offered to every other kind of situation but no assistance is available to us. We have demonstrated the ability to qualify for a reverse mortgage and can cover the principle balance. Their reason for refusing to consider our request appears to us to be incorrect. Can you help us or direct us to someone who can. We have about 10 days to get this done.
EXPERIAN continues to report accounts XXXX XXXX and XXXX savings bank as open when it was closed XX/XX/2015
XXXX XXXX, 2017 To whom it may concern : I need assistance from your organization. I would like to file a complaint against a collection agency by the name of AMCOL SYSTEMS INC. 

This collection agency has placed a fraudulent collection onto my credit files, and I want this fraudulent information removed immediately. 

This agency has placed a collection in the amount of {$1500.00} onto my credit files, claiming that I owe these funds to XXXX XXXX XXXX XXXX. 

They are claiming that I owe this Care Now style emergency room this money. I have not visited that facility in over a year, and any claims that were created during my visit at that time, have already been paid in full, by my insurance carrier some time ago. 

From what I have learned, there is a lawsuit that has been recently filed against this medical facility, and I presume that this is why they have recently changed their name. 
That medical facility has a bad record of exorbitantly overcharging patients for minor services performed, as well as not crediting patients for medical bills that have been paid, they use different AKAs when it comes to collecting payments, and I suppose this causes confusion for them, so the one that suffers is the patient, because the billing staff cant keep their records straight. 

This collection agency has broken the law, they are committing slander of credit, because they are charging me for a debt that I do not owe, as well as they also did not contact me at all prior to placing this fraudulent information onto my credit files to verify the accuracy of this debt. 

They have damaged my credit rating, and thereby caused me harm, and this has influenced my ability to conduct my financial transactions, and I am seriously considering initiating legal action against this collection agency. 

I want AMCOL Systems Inc. to provide to me in writing, proof that they are licensed to collect in my state, as well as, I would like proof of their license numbers, and their Registered Agent documentation. 

I want AMCOL to respond directly back to your organization, and you can provide me with their response, I want your agency fully involved in my complaint.
I have XXXX sets of student loans, XXXX set which began repayment in XXXX, and XXXX that began repayment in XXXX. The XXXX loans are paid via direct debit from my bank account, with the XXXX loans paid by manual payments set up by me. Last month, rather than specifying that my manual payment should be applied to ONLY the XXXX loans, I decided that I would just pay the listed payment due in total and assumed that the lender would apply my payment toward amounts still actually due. Instead, they applied my payment across all of my loans, so that when I logged in today to get my XXXX, I was greeted with a warning that a payment of {$88.00} was past due, despite both of my normal total payment amounts being cleared with my bank ( {$170.00} for the XXXX loans and {$170.00} for my XXXX loans ), because they incorrectly applied my payment. I feel this is a predatory practice and that payments should be automatically applied to all amounts due, unless specified otherwise. This is how people end up with negative credit marks and ballooning interest amounts : the lenders do things out of convenience instead of common sense. Fortunately, it 's tax time so I happened to check the website more often than usual.
I have received several calls from a company called Advanced Capital Solutions about a payday loan that I supposedly received from XXXX. I have informed them on all of the calls that I am not aware of what loan they 're referring to & have repeatedly requested information in writing stating who I owed the money to, when loan originated, whenwhen the funds were deposited into my account, when they tried to withdraw the funds from my account & how much I owed. They said that they would send me an email which I never received. I then received another phone call today in which I asked the woman to send me the information via postal mail since I never received the emails that they supposedly sent & she refused saying that it would be too costly to the company to send anything through the postal service. I did, however receive an email but it only stated that I owed {$530.00}, it contained no other information that I requested. I suspect that this is a scam attempting to collect on a old debt or debt that I know nothing about.
On XXXX/XXXX/2016 I ordered an Official Check from USAA ( a company with whom I have had a longstanding relationship ) with expedited shipping ( USAA does not specify method ). Five days later the check had still not arrived. No notification was given that the check had been issued or shipped or by what method, nor was any tracking information given. The bank representative on the phone used tracking information not available to me to inform me that the check had supposedly been delivered by XXXX on XXXX/XXXX/16 ( the funds were not debited from my account until XXXX/XXXX/16 ). This Official Check - essentially a cash instrument - was sent by unsecured means with no signature required. No XXXX package ever arrived at the designated address, or if it did it was left in an unsecured location and stolen. I requested that the bank stop payment on this check and immediately issue another check in the exact same amount to the exact same payee but the bank representative refused, stating that their policy prohibited doing so for 90 days - meaning of course that they preferred to leave open the possibility that the check would be fraudulently presented for payment. I escalated the matter to the CEO 's office, which responded promptly to my email ( XXXX was the rep 's name - no last name given ), but then took several more days to " investigate '' before informing me that no exception to their policy could be made despite the fact that it was to both the bank 's and my benefit to stop payment. This is both inexplicable and unacceptable. Our interests in preventing fraud would seem to be aligned in this matter but the bank remains obstinate. Please intervene and assist. Thank you.
I have a credit card that is with Bank of America it has been on auto pay for years. The auto pay did not happen in XXXX. I was not aware of why because I did not stop the auto pay. Bank of America Charged me a late fee due to none payment. After calling Bank of America and speaking to the bill pay department, the online department the credit card department and transferred back to online banking I was told that there is a system upgrade that caused an issue. However they still charged the fee and could not confirm that the auto pay was going to happen in XXXX. If they knew there was a system issue why would they not auto correct the issue instead of charging the fee? Because they want to XXXX from people and hope they do n't complain. It took XXXX minutes out of my day and no department took real responsibility they are making it difficult so that people give up and they can collect fees they should not even have charged.
About three years ago my wife became XXXX and applied for Social Security XXXX. She has an attorney and a solid claim, but is still waiting for a hearing. 

Additionally, we began receiving death threats from a XXXX XXXX person and had to relocate from XXXX to XXXX XXXX   at our own expense. 

These two factors coupled with our son 's need for XXXX not covered by insurance have caused us to deplete our savings. 

Because my wife can not work, our income is decreased and has been for more than three years. I work a full time job but we still have a financial hardship. 

I have contacted the credit card company repeatedly to ask to participate in their hardship program but there has only been a " we will get back to '' for a response. 

I truly need help so as to not default while we are waiting for my wife 's XXXX to be approved.
Wrong Bank information about credit usage and balance owed passed onto the Credit Bureau resulting in my credit score dropping, also by having two late payments on two credit cards accounts my score dropped over XXXX points. XXXX XXXX, XXXX XXXX XXXX Bank reported 115 % credit limit in the amount of {$450.00} my limit is only {$400.00}, this showed up on my credit report in XXXX. XXXX. XXXX Bank reported incorrect balance owed, in XX/XX/XXXX. I have an account with XXXX XXXX and disputed this matter and it was submitted on XX/XX/XXXX as of today XX/XX/XXXX it's not completed I called XXXX it was told too me an investigation was done and a report was submitted. I notice on my credit report in XX/XX/XXXX on both accounts it showed the correct amount owed but my credit score never changed, my accounts shows Good standing but my credit score continue to drop.
I am being charged excessive fees by this bank. I even made a deposit to cover the deficit that the fees caused and it was not until I was away from the bank that I discovered the teller moved money into the wrong account despite having the assistance of a branch manager. Because she did that and the deficit remained, I got charged more fees, none of which were fixed. I am being charges hundreds of dollars a month in fees and I only make {$14000.00} a year. I went into the XXXX Citibank next to my work and I was basically told to make more money. I check my account on a daily basis and these fees are coming out of nowhere.
Experian did not remove fraudulent information such as address, phone number and/or account information from their data base. The information does not show on my credit, the one I can see as a person. 

I can not verify my identity to access a free credit report, dispute inquires on my report, renew my health insurance and so many other things. 

I have been reporting this issue to them for years.