WillisBack/dataset-financial-user-claim huggingface dataset:
Fees charged are excessive are fraudulent. BB & T sent an email showing an item was unpaid, it was a CC payment. Looking at the statement it showed that another bank had removed funds and it failed by a few cents. I immediately put in another CC payment for a lesser amount so that the bill was paid on time. That transaction also failed so once again I put in another payment, that XXXX failed also. Come to find out the original email was wrong, the XXXX item was paid. This caused fees to rack up and for me to suspend any future deposits to the account. When I sent BB & t a message regarding these failures on I did n't receive a reply until weeks later and it was a typical canned response. I do not understand why you ca n't do the right thing for your customer and work with me. Also please communicate via email or if you must via postal mail. I do not have time to do the run around on the phone as I have a XXXX month old daughter that I am taking care of. I attempted to resolve this with them but they are n't budging and have reported the account to XXXX. All that was needed was a reversal of the fees charged, this is n't money they earned its ridiculous fees they made up. Had the original message been correct then the other fees would n't have occured in the first place.
1 ). On XX/XX/XXXX, I faxed my first round of dispute letters to XXXX Credit Bureau, which was my stamped Identity Theft Victim 's Complaint and Affidavit, which also had my stamped police report. By the FTC, ( Federal Trade Commission ) rules and regulations, XXXX Credit Bureau had 30 days to delete all fraudulent information from my credit report. 
2 ). On XX/XX/XXXX, I faxed a stamped Identity Theft Victim 's Complaint and Affidavit, which also had my stamped police report letter to XXXX Credit Bureau, XXXX XXXX, and Experian Credit Bureau. This was my first round of dispute letters, for which XXXX Credit Bureau was supposed to remove : XXXX XXXX, opened onXX/XX/XXXX, with a balance of {$1800.00}. XXXX XXXX, opened on XX/XX/XXXX, with a balance of {$75.00}. XXXX/XXXX chXXXX, reference number XXXX, filed on XX/XX/XXXX. XXXX XXXX, XXXX, inquired on XX/XX/XXXX. XXXX XXXX XXXX XXXX, inquired on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX, inquired on XX/XX/XXXX. XXXX XXXX, inquired on XX/XX/XXXX. XXXX  XXXX was supposed to remove : bankruptcy, reference number XXXX, filed on XX/XX/XXXX. XXXX XXXX, inquired on XX/XX/XXXX. XXXX XXXX, inquired on XX/XX/XXXX. XXXX XXXX, inquired on XX/XX/XXXX. XXXX, inquired on XX/XX/XXXX. Experian was supposed to remove : bankruptcy chapter XXXX, reference number XXXX, filed on XX/XX/XXXX. dept of ed/XXXX, account number XXXX, with a balance of {$2500.00}. dept of ed/XXXX, account number XXXX, with a balance of {$3100.00}. dept of ed/XXXX, account number XXXX, with a balance of {$4600.00}. 
3 ). XXXX  Credit Bureau, XXXX  XXXX, and Experian credit Bureau had 30 days by the FTC, ( Federal Trade Commission ) to remove fraudulent information on the first round of letters ( The stamped Identity Theft Report, and my stamped police report, and 605B ).
This is in reference to claim number : XXXX. I have energy bill statements, but also, if I owe this much in rent, why are there no records of eviction notices attached? An eviction notice does not entitle someone to be there for that length of period without consequences.
I went to see a financial advisor to help me pick a credit card to apply for. I insisted I only wanted to apply for one card. The advisor assured me there would only be 1 hard inquiry and I was approved for the card. However, because the financial advisor wasn't truthful, I ended up with 9 hard inquiries greatly affecting my score and the card I was approved for now has me jumping hoops through the fraud department. I never authorized the following inquiries : XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
XX/XX/2018 I am the cosigner on the loan. I am on Social Security and can't make the payments. My daughter has try to work with them to lower payments and they say she doesn't qualify. They are threatening to put a lien on my home.
The mortgage company, OCWEN, held the mortgage on my home which I sold ( closed ) on XXXX XXXX, 2015. OCWEN acknowledged receipt of the funds to close the loan on XXXX XXXX, 2015. They informed me they would send a check for my escrow account ( {$2800.00} ) within 30 days. Despite the fact they had my new address, they claim to have sent the funds to the old address in XXXX. Since the beginning of XXXX, they claim to have cancelled that check and to have sent the check to my address on many occasions. The story is that it has been sent or will be sent and just wait XXXX weeks to receive it. It has now been 117 days since they received my close out and I still have nothing but promises. I have spoken with customer service and/or an escalation specialist more than XXXX times regarding this issue.
This complaint is in reference to a Modification filled with Saxon XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX. My Loan number is XXXX. 
I have tried to get a Mortification for my home for 6 years. I am filing this complaint against my XXXX Modification Company, Saxon. They held my mortgage for 3 years. Then once the approved my modification they sold my loan and the process begins again. 
I became in financial trouble due to XXXX with friends. They XXXX left within a year and left me with all the financial debt. A {$60000.00} investment divided by XXXX was {$20000.00} each til they left and now I was left with a {$60000.00} debt in my name, during the worst financial times, because I financially funded the project. They left and XXXX after I taught them how. They left me in a financial mess. 
In XX/XX/XXXX my mortgage was current ; I called Saxon XXXX and explained the situation. I was told that I could not receive a modification unless I was 90 days behind in my mortgage. They told me I was eligible, so I decided to proceed and let my mortgage become delinquent so I could lower my payments. I figured I would get the modification right away and be on track. I was naive and made a big mistake. I should have gone to a traditional bank and apply for a standard 30 year mortgage. 
Now XX/XX/XXXX to XX/XX/XXXX with Saxon ( loan number XXXX ) no modification. I applied each month for 3 years and they never received the paperwork or the paperwork expired after 30 days and I would reapply. A terrifying experience, month after month, I applied with no modification. In the meantime, I realize, I am not qualified to deal with this situation alone. I hire a mortgage consultant to help me with this process. Finally XX/XX/XXXX, after 3 years of this nerve racking experience, they grant me a modification. During the trail modification, I pay early and on time for all XXXX XXXX payments. After the XXXX payment of the XXXX modification, I receive a letter from Saxon informing me that they sold my loan to XXXX ( a subsidiary of Saxon ). I do not get a modification from Saxon after three years of a terrifying experience. My mortgage is now in limbo. I am terrified, will I have a home? I did all the right things, followed all the instructions and no Mortgage. 
Now informed by XXXX ( loan number XXXX ), they do not honor trial modifications and I need to reapply for a XXXX modification with them. But, they give me the option to sell my home to them? The loan amount was {$370000.00}, my home is worth {$450000.00}. and they want my home? 
I was horrified, scared and bewildered. What was I to do? 
This complaint involves XXXX consecutive companies Saxon, loan number XXXX, XXXX ( loan number XXXX ) and now XXXX ( loan number XXXX ) I was told by CFPB, I need to file XXXX individual complaints against each company. 

Thank you, XXXX XXXX
I had a XXXX XXXX Credit Card, they charged me excess fees, also I set up a payment program, they sent me documents to confirm this agreement. I made several payments into the agreement, then a family member offered to pay the account off, I made arrangements to pay off the account. XXXX XXXX accepted the payment on XX/XX/XXXX. on XX/XX/XXXX they sent me a confirmation agreement. on XX/XX/XXXX, XXXX XXXX reported to the credit bureaus my account was delinquent, after they had received my payment, and closed the acct. 

Also I asked for a Letter of confirmation that the account was paid and there is no balance outstanding, They gave me a line that I will have to phone them to receive a letter stating my account is paid and satisfied.
I was never late and they reported me 30 days late even after showing them the payment was sent in and on time. XXXX  XXXX did this in the past to me as well and always refused to not report after showing and proving proof
This complaint goes back to the beginning of a loan modification with Bank Of America starting XX/XX/XXXX. The BOA rep ( XXXX ) that was handling the account continuously requesting the same paperwork over and over again, even though it was faxed many times, and I know they had it because I had done all the paperwork myself. The rep ( XXXX ) also lied more than XXXX to me during this procedure. The rep dragged this modification out until XX/XX/XXXX in order to take almost every penny of equity out of the house when she knew that she was going to deny the modification because it was not the mortgage holder 's primary residence. Well according to research I have done " The Obama Plan '' states the loan can be modified if it is a XXXX residence, and can be occupied by a family member ( I am daughter ) that does n't pay rent. So this rep was blatantly denying this loan in order to steal the equity out of the house, and now they are trying to take the house also. BOA has sent many Fed Ex envelopes with contacts of about XXXX different people ( which there should only be XXXX ), which I have never spoken to any of them except the latest person ( XXXX ). I have left voice mail messages with many of the people on the letters with no response from them. I believe this is BOA 's scam and they think that people are just going to give up and let them take the house and the equity. Well that is not my case. I will not give up until I get all the fees, interest, and lawyers fees back from them. This has been my home for 20 years and I will not give it up without a very good fight. I am currently working on a loan modification with another rep right now and think it will be successful. There are many loan modification options for a borrower whether it is their primary or XXXX residence. This is criminal on behalf of BOA and something needs to be done about their procedures ( if they actually have any ). Per a report on the internet each loan modification rep has over XXXX applications and get a {$500.00} bonus for every XXXX loan modifications they deny a month. Employees are the ones that reported this. Please help, thank you.
I have a few accounts that it was n't even me. On XXXX account and XXXX, my phones were stolen and i was locked up in prison at that time.
I contacted AES numerous times regarding my past student loans ( 2 ) that still show an open status. These loans continue to show on my credit report as open and past due, which is incorrect because they no longer hold the loan. Fed Loan explained that the AES account would be closed as paid since Fed Loan bought the loan from them. My AES account was established in XX/XX/XXXX, defaulted XX/XX/XXXX and the entire balance of the loans was transferred and paid by Fed Loan XX/XX/XXXX. My Fed Loan account is open and in good standings with on-time payments. The AES late payment/open status information should be removed immediately. Any assistance in getting theses charges and incorrect information removed from my credit would be greatly appreciated. Thanks! Have a Great Day! XXXX XXXX XXXX
Experian is reporting 3 collection accounts that do no belong to me. I believe it is because I am a Senior and my son had the same address for a period of time. They are reporting that XXXX XXXX has 3 medical collection accounts with account numbers : XXXX, XXXX, XXXX. 

Experian is not reporting the contact information for XXXX XXXX so I can contact them and ask them to remove it and conduct an investigation so I have to guess who they are and try to find the company. I have never heard from XXXX XXXX and they have NEVER attempted to validate this debt yet Experian just puts it on my report with no notice or way to contact them.
Section 623 ( 5 ) ( A ) says : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar actions shall, not later than 90 days after furnishing the information notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. AFNI has not provided this information, nor have they validated this account after being requested to do so. This account is being reported as " meets FCRA requirements '' when it does not. I have no knowledge of this account and I demand it to be validated.
account refers to XXXX XXXX XXXX. also known as XXXX  XXXX  XXXX. i have never denied account is mine, my dispute is this company keeps reporting inaccurate information in order to hurt my credit. i have asked by certify mail for the credit bureau equifax to validate account and amounts and collection date. there response is the acount is certified and is accurate, after filing a complaint with CFPB XXXX  XXXX finial sent documentation showing the collect amount. which is not the same as what is being reporting but the still refuse to send collection date this being the lease, that would show that the correct date of collect isXX/XX/2011, the collection amount is {$1900.00}, there fore they are reporting inaccurate information and must be deleted under fcra, 1681i, which provides, in relevant part, as follows : If the completeness or accuracy of any item of information contained in his file is disputed by a consumer, and such dispute is directly conveyed to the consumer reporting agency by a consumer, the consumer reporting agency shall within a reasonable period of time reinvestigate and record the current status of that information .... If after such reinvestigation such information is found to be inaccurate or can no longer be verified, the consumer reporting agency shall promptly delete such information. 
Therefore Equifax has had plenty of time to investigate and keeps reporting wrongfull information in fact every time they investigate the balance seems to go up. 

depending on action taken, if i will file civil suite in court
XXXX did it again. XXXX checks written days apart held until the perfect moment to hit me. The {$74.00} check in the pictures I 'm enclosing was written 6 days previous. Please make them stop this criminal robbing of their customers I 'm begging you they 've taken hundreds it if not thousands from me and my family. You 'll notice in the second pic I had {$200.00} in my account to cover these checks so how am I {$78.00} in the red when the checks do n't come close to equalling {$200.00}? Please help me.
I have a brokerage account with Merrill Lynch. Having sold my stock, I wanted to have the funds wire-transferred to my Checking Account with Bank of America on an urgent basis, to be able to make an unexpected payment on XXXX, which was subject to a penalty of {$170.00} past XXXX. I spent a good bit of time navigating the website, but there was no way to do this electronically/online. I called Merrill Lynch and was placed on hold for 30 minutes. I was unable to continue to hold and hung up. I tried again after 15 minutes, and was placed on hold for 2 hours. By then the office was shut for the day. I tried again on XXXX in the morning, and was informed by the automated system that the hold time was 3 hours! I kept holding, and finally had to hang up because I have a job. I then navigated the site, emailed and tried to chat with a live representative. I finally got through and asked for someone to contact me. A broker called me an hour later, and transferred my money. I immediately made the payment, but was charged {$170.00} in late fee charges. Since this issue happened due to delay in Merrill Lynch service, I consider this as a denial of service. If I had been able to transfer the money on XXXX, I would not have had to pay the charges. I therefore expect Merrill Lynch to reimburse me for this amount due to their problems.
XXXX XXXX XXXX is reporting fraud for a bank of america account bank of america closed there was no fraud
On XX/XX/2018, I was part of banking fraud. On that date I sold a car and I received a check for {$4500.00} from XXXX XXXX, XXXX that was deposited in my Bank XXXX America checking account # XXXX. That was the total consideration for the transaction. Additionally, arguably by mistake, the buyer deposited another check for {$15000.00}. The buyer said it was a mistake, so he called me to please if we could return the {$15000.00} since it was a mistake from his secretary. After confirming that the money was available in my checking account, I proceed to transfer from my checking account {$15000.00} dollars to the buyer. 
On monday XX/XX/2018, the checks were returned since they were out of funds. In fact, the checks, accounts and company were false, they did not exist. The wire for {$15000.00} was effective and the money was taken out from my savings account. That is a clear violation to my request and Bank of America can't withdraw money from accounts I have not authorized to do so.
Initially I thought this item was a result of unauthorized/fraudulent use because I knew I did not have a balance or an open account with the company. After reviewing the documents they sent for validation, I now have a better understanding of how the account was handled. I placed an order to XXXX and the original order was sent to the wrong address. The company said they would resend the items to my mother ( they were two of five gifts I sent her. ) Months later, I asked my mother why she never wore the dress and hat I sent she said she never received the items from XXXX. I contacted the company directly and informed them that she never received the items, requested a refund of the payments I made, and that the account be closed. I assumed my wishes were honored. Now I see that they were not. I made payments on the account until I was aware that the recipient did not actually get the items. I have an active complaint against the collection agency and am currently awaiting the company to issue a refund or provide a signed proof of delivery so I can find the person who accepted the items, IF they were actually delivered.
Spoke with third party. Representative lied and said they were unable to process a dispute on the amount claimed to be due. Amount due was wrongfully thrown on my credit report prior to my being notified of the amount " said-to-be due. '' The issue turned out to become hostile with the third party agent and she insulted me and told me they will just have to collect the money by " other means. '' This caused me much anxiety, even with my existing XXXX. I felt as though I was undermined and treated with disrespect regarding the amount due. I was ultimately unable to communicate effectively with the third party billing collector.
I recently wrote and sent out dispute letter, including copy of my credit reports, with my other documents. I 've notarized, and certified by mail sent to Experian Credit Bureau three times. And I received investigation results letter by mail and Experian still refused to deleted inaccurate on my credit report.
In XX/XX/XXXX  I WAS CONTACTED BY A DEBT COLLECTOR by mail FOR following accounts XXXX** XXXX** XXXX**  DEBTS I AM UNAWARE OF HAVE NO SIGNED AGREEMENT WITH THIS COMPANY AND  I HAVE SENT POLICE REPORT, FCT REPORT PROOF OF MY IDENTITY & NOTARIZED AFFIDAVIT  I am citizen of the unites states of age, would like to make a complaint against operating credit debt collection agency XXXX XXXX XXXX who apparently does not care about consumers rights for identity theft. I have made several attempts contacting the agency disputing fraudulent accounts. They refused to Delete & consider the (FCRA) FAIR CREDIT TRANSACTION ACT CONSUMER FINANCIAL PROTECTION BUREAU OF CALIFORNIA CREDIT LAWS Sections 605B, 615(f), 623(a)(6).
On XXXX/XXXX/15 I sent Central Credit a cease and desist letter. They continue to call me XXXX times a day from different telephone numbers.
I  have been receiving calls from Premiere Portfolio  for the past month. This company has contacted me from various numbers. Today I received a message from a  XXXX   XXXX  stating that he was a case supervisor and to call him at my convenience. I do n't even remember receiving any correspondence in the mail from this company. I have even checked my credit report to see if the company was listed on my credit report, but it is not. The number that was left on the voice message was  XXXX
Despite four notarize written requests delivered via certified mail to have eight unverified accounts deleted from my credit report ; the eight unverified accounts remain on my credit report. The bureau stated in their responses that the accounts were listed as valid ; however, TransUnion has continuously failed to provide me with a copy of the documentation that they have used to verify these accounts as I requested in my letters of dispute. The company has ignored my request, which is clear evidence of their disregard for Federal Law. Section 611 ( 5 ) ( A ) of the FCRA clearly states they are required to promptly delete all information that can not be verified. I am requesting deletion of these unverified accounts. The law is very clear as to civil liability and the remedy available to me ( Sections 616 & 617 ). If the bureau fails to comply with Federal Law, I will have no other choice but to pursue litigating this matter to enforce my rights under the FCRA. 

I have attached the first page of the four dispute letters that I sent to TransUnion, the second page is omitted as it contained a copy of my SSN Card and Drivers License. In addition, it also contained the seal of the Notary that  notarized the dispute letters.
I submitted the documentation to Equifax to remove the fraudulent accounts from my credit report and Equifax did not remove them.