WillisBack/dataset-financial-user-claim huggingface dataset:
I recently called in on XX/XX/XXXX or the XX/XX/XXXX I believe and I wanted to figure out how much my pay off would be if I paid on that day and how much it would be if I waited until the XX/XX/XXXX.  The lady proceeded to tell me that it would be around {$790.00} if I paid the loan off the day I had called and it would go down to {$650.00} if I waited for my next pay date which is XX/XX/XXXX. When I called back on XX/XX/XXXX the representative is telling me something different and she is quoting me a higher price. I asked to speak to a manager and she wasn't helpful at all and so she begins to tell me that my amortization schedule that is online is different than what it actually is because I had late payments, but my account is current. The manager told me that my account is accruing interest daily at 150 % and the price the other representative had told me was the price for that day. Which doesn't make sense because my balance should go down the closer I get to my payment date and according to the numbers she was giving me it was going up. Also according to what is online it states the amount the original person had told me when I called on XX/XX/XXXX. The manager also did not want to give out her manager 's information so that I could call or contact them in regard to this issue she stated there is no one else for me to talk to. I simply would like this issue resolved and have someone who knows the correct information when they give it to customers because everybody doesn't seem to be on the same page. I also find it very hard to believe that there isn't a different number to their corporate office when issues such as this arises.
When l checked my XXXX  Credit Report, l noticed that an unknown hard inquiry was made by XXXX XXXX on XX/XX/2017 which l have no idea about it at all.
My bank ( Bank of America ) is holding a deposit I made at an ATM until XX/XX/XXXX in violation of Title 12, Chapter 41 of the US Code and Title 12, Part 229 of the Code of Federal Regulations, the Expedited Funds Availability Act of 1987.  They are also violating their own deposit account agreement or contract with me. 

I deposited my first check with Bank of America on an account younger than 30 days on XX/XX/XXXX. I was informed that it was subject to a mandatory hold period until XX/XX/XXXX at  the time of the deposit at the ATM. I went into the bank to discuss and they indicated there was nothing they could do and for future deposits, to cash the check with a teller and deposit cash. I am a XXXX XXXX XXXX employee and the check was a check issued by the XXXX XXXX XXXX. I called on Saturday, XX/XX/XXXX, and spoke with several people with Bank of America, and finally spoke with a manager who advised that she would put in a request for them to release the funds once they had cleared. I called again on Monday, XX/XX/XXXX,  and was informed that they did not see a " ticket '' for that request, but that if approved, it would go through no later than XX/XX/XXXX. 

I reviewed my deposit account agreement with Bank of America, which says in relevant part on page 31 : Special Rules for New Accounts If you are a new customer, the following special rules may apply during the first 30 days the account is open. Funds from electronic direct deposits to your account are available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first {$5000.00} of a days total deposits of cashiers, certified, tellers, travelers, and federal, state and local government checks are available no later than the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you and deposited in person to one of our employees. The excess over {$5000.00} is available by the fifth business day after the day of your deposit. If your deposit of these checks ( other than a U.S. Treasury check ) is not made in person to one of our employees, the first {$5000.00} will not be available until the second business day after the day of deposit. Funds from all other check deposits are generally available by the fifth business day after the day of your deposit. However, we may place longer holds on certain items for other reasons, such as large deposits. '' In addition, pursuant to Regulation CC as interpreted by the Federal Reserve applying the EFAA, if I made a deposit of a government check at an ATM, it should be made available to me no later than 2 business days after the deposit. Being generous with the weekend, today is that day and they are refusing to release my funds. I went in person today and spoke with a manager at the branch at XXXX XXXX XXXX in XXXX, IL, and was told there was nothing they could do.
Sent a debt validation request XX/XX/XXXX to which Citi responded with a letter stating they required more information in order to validate even though the original letter had all the required information for them to do so. I then sent a second letter on XX/XX/2016 which was signed for and delivered on XX/XX/2016 with a second attempt to request that they either validate the debt with my signature or remove the item from my credit report. To this day that request has gone unanswered as well as Citi failed to mark the account as disputed with the Credit Bureaus XXXX the FCRA. I request that this account be removed from my Credit Report immediately.
# 1Original bill was with the XXXX, XXXX XXXX XXXX XXXX dated XXXX/XXXX/XXXX and in the amount of {$280.00}. The account was referred to collections between XXXX & XXXX. 
# 2Bill for collection was originally assigned to XXXX XXXX XXXX in the amount of {$280.00} # XXXX XXXX XXXX, XXXX I received a notice from XXXX the account was referred to American Collections Enterprises who re-aged the account to the date XXXX/XXXX/XXXX. 
# 4Due to the age of the debt XXXX original date XXXX/XXXX/XXXX XXXX it had " aged '' off of all XXXX Credit Bureau Reports. 
# 5American Collections enterprises placed the collection back in all XXXX of my Credit Bureau files with re-aged dates : XXXX Date of XXXX delinquency of XXXX placed for collection XXXX date opened XXXX above referenced medical bill is a dead account dated XXXX/XXXX/XXXX that had long since aged out of my Credit Bureau Files when American Collections purchased the bill and then re-aged the account to XXXX/XXXX/XXXX. They then placed it again in all XXXX of my Credit Bureau Reports. This action has fictitiously made it appear to be a newer account resulting in the account now staying in my Credit Bureau files longer than the legal time frame of 7 years. This has had a negative impact on my credit scores resulting in lower scores and denials of credit. 
I have tried on numerous occasions to reach out XXXX to have this removed from my Credit Bureau files only to be told by them I have to contact the collection agency. I was advised not to contact the collection agency due to the re-aging. 
Attachments : Copy of bill from XXXX, XXXX XXXX XXXX XXXXCopy of collection letter from XXXX XXXX XXXX of notice from XXXX XXXX American Collections EnterprisesCopy of Page XXXX of XXXX dated XXXX/XXXX/XXXX from XXXX showing collectionCopy of Page XXXX of XXXX dated XXXX/XXXX/XXXX from XXXX showing collectionCopy of Page XXXX of XXXX dated XXXX/XXXX/XXXX from XXXX showing collection
Experian is reporting inaccurate personal information on my credit report that needs to be deleted.
Incorrect Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect SSN : XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, CA XXXX Address identification number : XXXX Type of Residence : XXXX XXXX XXXX  Geographical code : XXXX Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Address identification number : XXXX Type of Residence : Single family Geographical code : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX, MD XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX
To whom it may concern, I am filing a complaint against Chex-systems because I have been a victim of identity theft and I sent them my police report and got a response from them that i was clear of any negative information that was reporting due to the fraud. I tried to open up a savings account and was denied because there is XXXX accounts reporting negative on my file with XXXX XXXX XXXX and XXXX Bank. The dates on these accounts are right around the time that I sent my police report to Chex-systems.
We had a loan for a used XXXX XXXX XXXX with XXXX XXXX XXXX XXXX. On XX/XX/XXXX XXXX wrote a letter that the entire balance on our loan was due and that we should call them asap to resolve the matter and that they wanted to work with us. The subject line of the letter stated " Payment options available for your account ending in XXXX - action requested. '' They " charged off '' the balance the same date as the letter. They gave us zero time to pay this balance, which we paid the entire amount of {$2800.00} in two payments, including their fees of {$940.00} within that month. ( See documentation ). It is true that we were behind on our payments, but my husband was in contact with XXXX XXXX regularly to make arrangements to make payments. 

Our contention is that we were given no chance to remedy this before it was charged off, and a large part of the charge off is their fees, which we believe is illegal. Their correspondence clearly states they have payment options available and want to work with us. A few of the credit reporting bureaus are showing that this account is a charge off and we owe {$1800.00}. This is not true, we paid the balance in full including their fees by XX/XX/XXXX and have the title to the car in our possession. If any consolation, this was right around the busy holiday season and should be taken into consideration. 

In talking to XXXX in the office of the president at XXXX XXXX XXXX XXXX, she informed me that calls were made to my husband or myself, in which we were notified that this account was going to be charged off. Neither my husband nor I, received any phone calls. I asked XXXX if she had proof of this and she said I would have to subpoena them for this information. We are not litigious and do not know how to do this, and should not have to do this. 

Attempts to remedy this dispute with the credit reporting bureaus and XXXX XXXX, have proved futile. What XXXX XXXX has done charging off their fees, we believe is illegal, and they gave us no time to actually take care of this obligation. 

We respectfully request a full investigation into this, and that they credit reporting bureaus be notified that this account has been paid in full and that the charge off be removed. There is no sufficient reason a charge off should continue to appear on our record for up to 7 years, when this was paid within a month of notice of acceleration. In addition, the months of XXXX and XX/XX/XXXX, at least one credit reporting agency shows a FP or failed to pay. This is incorrect and attempts to have this changed have not been corrected.
My credit was pulled by XXXX XXXX back on XX/XX/XXXX ( unbeknownst to me ) by XXXX XXXX XXXX  with all ( 3 ) credit bureaus. I emailed the mortgage company contact back on XX/XX/XXXX to get the inquiry removed. We've gone back and forth about the issue, but the contact at the mortgage company advised that he would request for the hard pull to be removed with all ( 3 ) credit bureaus. I don't know if it has been him dragging his feet or if it is indeed XXXX XXXX giving him the run around. In our most recent email correspondence ( dated XXXX XXXX ), he forwarded me an email from Equifax stating that they have been back up but it typically takes 30 days.
I had my loan with GreenTree mortgage and I was went through XXXX trying to get a modification on my loan. I was threatened that they would take my home. I was talked to and humiliated. I finally received a loan modification. I lost my my home on XXXX XXXX, 2015 it was sold on XXXX XXXX Steps at the courthouse. I received no warning and I did not have time save my home after owning it for 23 years.
I have an American Express Credit Card which I am trying to downgrade. I have contacted the company online and also called them but they always say there is error in Amex system therefore they cant downgrade my card. I called again and even chatted online with Amex but I get the same response I am so tired of this. Please help.
XXXX XXXX called me from XXXX XXXX XXXX on XX/XX/2018 and did not disclose that this is an attempt to collect a debt and information obtained will be used for that purpose, he only stated that calls are being monitored and recorded. I had no knowledge that I even owed the debt. I advised XXXX that I would have to contact the XXXX and he continued trying to communicate by asking me questions, I had to end up disconnected the call because he was not trying to let me off the phone.
On XXXX/XXXX/2015, I filed an dispute with Enhanced Recovery Company. I advised them that I am not refusing to pay the alleged debt, but their claim is disputed. I advised to send me copy of contract with my authentic signature that begun this alleged debt and should the contract not be available with my authentic signature to delete the trade line off the CRA. More importantly, I advised them that not complying wit the FDCPA will put their company in a bad position with the CFPB. Enhanced Recovery Company. never sent me a contract with my authentic signature that begun this alleged debt and is still reporting the account to the CRA.
This is really getting to be a problem. The dates are listed very clear and the police report was given along with other corroborating evidence to this bureau via fax. There are not even taking the time to investigate only reporting inaccuracies. I have been taking several hours of my day to call these banks ect. only to hear that they have not gotten some type of questionnaire that comes from XXXX usually. Even, there how can an account be verified by a questionnaire. This was verbatim from XXXX XXXX and XXXX legal team. Thus far upon me calling directly to these creditors I get results even before Equifax alleged attempt to reach out and verify its accuracies. Someone is lying and it has to be EQUIFAX because the proof is in black and white. I am attaching XXXX ( XXXX ) letters with regard to these inquiries while I await the others. So far XXXX XXXX and XXXX apologize and would like to delete but they are still waiting for Equifax to send them something and so is XXXX XXXX XXXX XXXX. They have NOTHING except my complaint. Now attached are XXXX letters that were sent via email and XXXX Mail stating that inquiries will be removed and they are dated before the XXXX XXXX credit file sent from Equifax saying they verified the information. These people should really stop hurting a persons chance to obtain credibility when they are not even viable themselves. It 's almost like they never even bothered. They just state that I need to contact the creditor directly and do their job, which I am forced to do anyway to receive any type of vindication. I see why they are number XXXX in the news for bad reporting yet they claim they will do their best to help. When this only proves they are doing NOTHING. Says so the creditors as well, because not all people are trained to know the answers so they rely on the help of the bureau to assist the consumer. I am a witness to this first hand now. Please do something about this as I do not have the time and money to keep wasting fighting these people to do what is right. I am a new mother just getting back into the work field and just ca n't give all my time to Equifax for them to get paid for bad reporting. It should not be on the consumer to do their job. Thank you.
First off, this is a {$250.00} bill, debt from XXXX, which i 've lost work & could not pay for EVEN that. This collection agency has called " Almost '' every morning right at XXXX, waking my XXXX & XXXX old grandparents. 

Furthermore, i 've spoken with their agents explaining i lost my job ; should be back working w/in 2-3 months, and for them to call back - or i rather prefer to call you back, i will be able to pay on debt then. 

Collection agency is based in Florida, but caller id says " XXXX XXXX, MI, '' this Collection agency is CIRCULATING a New phone # every call now, which seems purposeful harassment, to purposely change their caller ID # or buys multiple 'spoof ' phone lines to, well you can figure it out. 

I 'd made it clear, and was very cordial, straight forward, and doing best to resolve this issue ; at least 4 times I 've explained to them. 

The lady also stated to me " does n't your grandpa or mother have the money for a payment? '' which they HONESTLY do not, barely making ends meet ; not to mention i thought was pretty TERRIBLE of her to suggest!
I called to try to get my payment lowered because my hours were cut back at work and they only gave me the option of forbearance and told me that if they did anything with my loan, they would raise the monthly payment. I have paid my payments on time for 9 years and they offered no help or options when needing to lower my payment.
Incorrect and inaccurate information is being furnished on my credit report. I do not XXXX XXXX nor do I have an outstanding balance with them.
I took out a loan for XXXX on my car title. The interest rate is high and they said they will draft it out but always did it late. They call me days after the payment is due now I have late fees and the XXXX dollars they take is just late fees and interest. Called them and asked why my payoff is still over XXXX dollars. The lady said because of late fees and I told her I have a card on file and the money was suppose to be taken out every month. She told me that they can't do automatic draft. I told her you'll been doing it all the time but just late. I ask to speak to the manager and she said I will have her call you. It is 2 months later have not heard from the manager and every time I call she is not there. I been paying on this load over 6 months and I still owe them more money than I borrowed.
I have 5 moths to Credit Innovation Group to fix my Credit. They has promised me that they can fix my in 1 month to 5 months. I went to check on my credit my credit its still the same with only disput. They have only put disputable on my credit thats it. I ask them for my money back but no respond back. Its Rip Off thats what they doing. XXXX Credit Profile Specialist XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX ( XXXX ) XXXX
I was shocked when I reviewed my credit report and found late payment on the date 60 days late as of XX/XX/2017 and XX/XX/2017. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Gateway One Financial - Sent a field agent to my home on XX/XX/XXXX while my account was XXXX XXXX along with placing calls to my place of employment after the advisement of no calls we to made to this location. Communication outlining these complaints were sent to Gateway One Financial XXXX/XXXX/XXXX and as of XXXX XXXX, XXXX there have been no response, just calls to numbers that have been advised as a DO NOT CALL.
My original lender and servicer was XXXX. Several years ago when the economy crashed and we lost income, we were unable to pay the property taxes. They are not escrowed in our contract. We pay them ourselves. XXXX was kind enough to pay them for us and we were instructed that money would be moved to the back of the loan. Its never come up or been an issue since, and we've even had other servicers take over the account since then. Several months ago, SPS took over the servicing. Now out of the blue they are saying we owe this money now and their " records '' don't indicate it was moved to the end of the loan. This is either an outright lie on their part or records were not transferred properly. I'm so ill with servicers taking over our mortgage and then claiming their own rules. I had an established agreement with XXXX and even the next servicer, XXXX XXXX XXXX, never had an issue with my original arrangement.
I believe in the State of Delaware Sunday collection calls are prohibited on Sunday 's. I received a call this morning at XXXX which according to your website is legal to call after XXXX although it is Sunday morning and I was having breakfast with my family and when I answered they hung up. I googled the number and it was Midland Credit they called from XXXX. Not sure who or why they were calling but it is Sunday morning have some respect for consumers and their families.
I tried to opened a debit and check account and i received a letter that says they need a soft inquiry of my credit report
There are 2 public records from XXXX XXXX XXXX reporting to all 3 credit reports as paid. Under the new law as of XX/XX/XXXX paid judgements, tax liens and public records are to be removed. Docket # XXXX was paid in XX/XX/XXXX. Docket # XXXX was paid in XX/XX/XXXX. I disputed with XXXX and XXXX XXXX to update these items has paid. Please remove these public records from all 3 credit bureaus.
I applied for and was approved for a American express delta sky miles card. The deal was spend XXXX XXXX dollars in three months and get XXXX delta sky miles. I have me my end of the promotion and now I am being told my card was approved but the promotional part was declined. I am furious. If they were not going to honor the promotion I never would have applied for this card.
I submitted a fraud claim on a bank of America debit card on XX/XX/18. The claim was denied XX/XX/2018. I was told it was because I did not have the card but there were charges in the period that used the card. The claim was for international charges on my debit card. On XX/XX/XXXX I explained to the bank that I did not lose the card, the agent must have misunderstood me. A request for reconsideration was submitted XX/XX/XXXX. In the meantime they reversed {$400.00} in temporary credits. I have automatic drafts for bills which have been coming out of my account. I am charged {$35.00} per occurrence for insufficient funds. In the past week I have been charged {$280.00} in fees. The bank has been giving me different answers about when they will review my reconsideration. A hardship review has not been acted on either.
To whom it may concern, Within the last 3 years I have lost XXXX parents, suffered a XXXX and received XXXX XXXX XXXX. By GODs grace I have been in recovery and working again. About a month ago, my bank/servicer XXXX sold my loan to Greentree Servicing. I received no documentation. When I contacted Greentree, they told me to bring the note current because I do not qualify for any type of modification. I contacted MHA ( Making Home Affordable ) Help Hotline. I was told because I never received a modification, that I am eligible. We prepared all the documents and sent them to Greentree. They have refused to confirm my documents and have posted my home for Foreclosure on Tuesday, XX/XX/XXXX. I have recently received an inheritance from the sale of my parents home. I have also tried to request an accurate pay-off but Greentree keeps telling me that it is too late to do anything except to contact their Foreclosure Attorney. Please help me save my home. 
Sincerely, XXXX XXXX
I notified XXXX, Experian, and XXXX of the following collection : XXXX XXXX XXXX for {$250.00} not being validated. On XX/XX/18 I requested that the bureaus conduct an investigation and validate this account as I have been unsuccessful. Neither bureau has been successful in validating the collection but they all continue to report in as a " verified account ''.