WillisBack/dataset-financial-user-claim huggingface dataset:
My company began banking with BB & T in 2006. Part of the service from the BB & T bank is to provide merchant services. In the agreement with BB & T bank is a fee for the bank to provide PCI compliance on a monthly basis. The compliance fee program is to keep my business compliant to regulations concerning merchant processing. The merchant processor is BB & T bank merchant services. I have recently separated from BB & T after discovering that BB & T bank has been charging for the compliance fee program and a non compliance fee on every statement monthly since 2006 for my merchant services. The compliance fee program is {$9.00} which is to keep my business compliant, therefore the {$15.00} fee BB & T has been charging is, in my opinion conspiracy to commit fraud. Fraudulent bank practice knowingly taking funds for a service that the bank is specifically providing you a program fee to make your company compliant to government regulations makes the BB & T bank an institution that is defiling the very fabric of banking. I wish to continue with any and all prosecution and or testimony required to have BB & T bank exposed to the public and to ensure that other members of the BB & T banking community are not being deceived as well. I address the question to a BB & T representative from the bank by telephone and was ignored without a follow up conversation.
XXXX Revolving charge account # XXXX When I ran into some financial difficulties and got behind on my payments for several months XX/XX/2012 I was contacted by XXXX XXXX and we entered into an arrangements for me to pay my balance in full within 3 or 4 months. I fulfilled that agreement which was paid in full by XX/XX/2012. They are indicating a charge off status ( C/O ) to this date on credit history which it never was as you can see it was paid in full. XXXX needs to correct this error and remove the charge off indicators and stop the continued reporting of a charge off that means they took a loss on this charge account which is not true and is damaging to my credit rating to this day.
PayPal has no idea how their system operates : I have a {$2200.00} line of credit with PayPal but have been unable to use it. Paypal 's security system continuously denies my charges regardless if amount is {$100.00} or {$1500.00}.   I have called numerous times, spending hours on the phone over the last few weeks and NO-ONE at  paypal  is able too provide or understand why I have been unable to use my line of credit. Paypal is in direct violation of our agreement  ( contr act ) and has provided false information soliciting me to obtain credit through them. They have also damaged my credit reports by making an inquiry and adding a new account, which I am unable to use. I have literally tried everything. During these phone calls, Paypal reps have advised me to attempt different methods. I have with no success. I have even attempted with a rep on the phone who claims to have tried forcing my transaction through. There is no identity issue with me as I have always called from my phone and have passed numerous identity questions and test. Paypal simply has a security system they do NOT understand and are unable to adjust or get around. Basically Paypal 's system controls everything, and does not allow a human wether it be a PayPal rep, supervisor or someone from the risk department. to adjust. This is INSANE and then public should be aware. If you research Paypal complaints, there are literally tens of thousands, most about the same issue. I have never seen a company with more complaints. Additionally, this has hurt my business relations with others. When I purchase something and promise to send funds and this funds are denied, people tend to be wary of doing further business with you.
Inaccurate information on my credit report XXXX is refusing to take off the negative information and investigation team is not doing their job. My bankruptcy is zero owe and zero claim.counts are fully paid off and never been late.
I had come to a settlement with US bank and after not receiving anything in the mail/email after that, I get a collections letter from collctns agency I had money problems and my account was past due. I contacted them because I was going to do contact a credit consulting company or file bankruptcy but decided to contact them. We agreed to a settlement and thought that everything was closed because I did not receive any kid on mail or email notifying me of the situation. Then, at the beginning of this year a get a letter from an agency stating that my account was in collections for the amount of the remaining balance and when I ask for proof indicating this, I get statements for XXXX and according to portfolio recovery, the account was charged off in XXXX 2013 and then collections. This stories from both sides do not add up because I can not get a letter from US bank who " can not '' email because of securities issues. I think it had to do with US bank being bought out.
Not only was the wrong amount attempted to be collected, but after speaking to an executive in regards to my dispute they did infact disclose that they do record some calls, but not calls. 

I was never told this and feel that this company should have dislosed upon it 's first initial communication that some calls may be recorded. 

I am very very concerned and feel that greater transparency on how Bilateral conducts itself is of public benefit. Recording a call without knowledge of a consumer or without warning that some calls may be recorded is a serious offense, perhaps a class wide offense. 

this complaint is in connection with XXXX
Submitted 2 requests disputing my account with CITIBANK on line via XXXX Credit Disputing Services. The 2nd attempt, dated XX/XX/XXXX I wrote a letter indicating that this account was a time barred debt from XX/XX/XXXX and should be removed from my credit report because I believe it exceeds the 7 year fair credit reporting act. CITIBANK just changed the status of the account to Account charged of. My dispute report number is XXXX. Please advise. 

Thank you for your help in this regard.
Hi I am a victim of identity theift since 2012 I am XXXX and so is my XXXX son so it 's very hard for me to keep fighting this but I believe in XXXX so I 'm am not gon na give up. A few years ago my identity as well as my sons was stolen at first I thought it was my ex husband who did it because he was deported out of the country for identity theift but he 's been gone 7yrs now and it 's still happening. First I started getting mail stating that I applied for credit when I did n't and then the calls started causing me to go into a deep XXXX. Then my son was having medical problem do to the environmental surroundings so I had no choice but to move then I applied for an apartment only to find out that I got denied. I thought how could that be so I ordered my credit report and got the shock of my life someone had destroyed my name completely there were 44 credit inquires in 2 yrs and 5 delinquent accounts that did not belong to me how could this be. So now I am stuck in a home where my son can not XXXX XXXX because someone destroyed my name. My son is my life and I need to moved but these credit agencies are reporting false information I started contacting them since 2012 and have explained my story. My son is XXXX and he is having all kinds of medical issues do to this as well as myself. I myself am currently extremely XXXX  because someone has taken over my life. I am begging you to make these agencies remove these items I have given them police reports and everything but they refuse to remove these fraudulent items that do n't belong to me. All the delinquency accounts are not mine as well as the credit inquires I requested that no credit even be considered unless they call my cellphone to verify. Please make these people remove these items so that I can move my XXXX child somewhere he can breath and be comfortable I thank you for taking the time to read this. I truly believe in God and that somehow the true will be seen.
On XX/XX/XXXX I received a text message from HBSC bank someone was trying to use my card. I was to text back yes or no if it was me then instructed to contact fraud. I contacted fraud department and I was told to destroy my card and a new one will be issued pin will stay the same the Rep said. I waited over the time frame for the card to arrive so I visit one of the local banks in XXXX XXXX NY. I went there to get money not only was I being denied my money because I refuse to sign like my ID signature which I signed when I was XXXX years old and my signature has changed for the past 14 years I have never had this issue. But then finally I was given money out of my account. Then I went to customer service to ask about the were about of my card. I was told they were not sure and I asked for a tracking number and was told there was no tracking number. I said that does not make sense and explained I will be leaving the next for work. I was told nothing can be done and the way I spoken to in front of my son made me really upset. I asked why do you guys not give temp cards XXXXl XXXX and XXXX give cards on the spot then I was told maybe it is best I transfer to that bank. After being with you guys since XXXX I am so upset for the treatment of my own money. Almost a month later XX/XX/XXXX I received my HSBC replacement card. I activated in the morning the same day used the card the same day with no problem. I went to ATM to find out my pin has been changed which I did not request, was not commutated my pin will change and did not received any type of mail about been change. Last night XX/XX/XXXX I had an emergency and went to with draw money which I could not do because my pin was not working. I contacted HSBC bank I was hung up on with firs rep when she said she could not find the card in the system. Called a different rep and I told I was my card is blocked for 24hrs. I explained I needed my card and then I open the app I was charged {$35.00} insuffient funds which is inaccurate I check my account almost everyday and never seen negative or under amount I need to use I am highly upset and I do plan on now leaving HBSC.
I received a Foreclosure notice from XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX TX XXXX RECEIVED on XX/XX/2018 according to the Fair Credit Act I am allowed at least 30 DAYS from the Date Of RECEIPT to respond and they Foreclosed on my home on XX/XX/2018 that's only 18 days. Fair Debt Collection Practices Act Notification clearly states I have 30 day after RECEIPT of the notice, to dispute the validity of the debt or any portion thereof with XXXX XXXX XXXX, XXXX, or Chase Bank. I want the XXXX XXXX XXXX, XXXX, to " Resend '' the foreclosure of my home and give me the protection I deserve under the Fair Credit Act, they violated my " legal right to fair credit ''. 

I have 60 days to dispute a charge. If you catch a billing error on my statement, I have the right to dispute the charge with your creditor, but you have to act quickly. Under the Fair Credit Billing Act, you have 60 days after the bill was mailed to you to report the incorrect charge. The " Foreclosure Bill was mailed on XXXX-18 I still have more days to respond and they have already " Forclosed '' on my home, which is a violation of my civil rights.
I called and cancelled my doctor appointment 24 hrs prior to my appointment. I called back and reschedule my XXXX test few weeks later. I showed up ang gone thru the procedure. I completely paid for the bills. Couple month later, I get new bill for no show for first appointment. I called the doctor office, told them I followed the procedure. XXXX XXXX credit collection refuse to remove the collection on my credit report. They reported a duplicate report and collections on my credit. I disputed both cases wit XXXX, the original dispute case number is ; XXXX and the duplicate case number # is XXXX. The collection are extremely rude and hostile. Both reports has the same amount and dates. How is that possible? Please help. Thanks. XXXX
I had prepaid cash cards through Citi bank, XXXX XXXX, and XXXX. These cards expired and they wo n't reissue them. How can cash cards expire? This does n't feel right. If my debit or credit cards expire they send a new one. They claimed their agreements did n't allow them to do this.
XXXX and XXXX Compliant Numbers were resolved acknowledging that Rent Recovery Solutions and Rent Recovery Solutions XXXX would be removed from my credit report completely. XXXX still remains on XXXX when it should have been removed. I have reached out to XXXX  no response concerning this matter.
I submitted my credit report highlighting the fraudulent inquiries on my credit report along with a POLICE REPORT and sent it on XXXX XXXX. Transunion received my dispute letter within a week and never reached out to me or my creditors. i called Transunion on XXXX XXXX XXXX to ask about this dispute and was told that the police report will not do anything to remove the fraudulent inquiries on my report because the police report will need to list out every single inquiry that should be removed, ( i can not go to the police station and tell that ). i was always told that if i get a police report then the inquiries will be removed. Another problem is that i submitted a dispute about a late payment from XXXX XXXX bank and was told by the agent that they received it on XXXX/XXXX/XXXX and i was never informed and the credit took more then 30 days to reply, and Transunion had 2 files opened under my name ( I was told that by the agent on XXXX ). i believe that if a dispute takes longer then 30 days then it should be removed from my report.
In  XX/XX/XXXX  we initiated a Modification of our mortgage through Bank of America and the Making Home affordable program.   We received a letter  XX/XX/XXXX , that The Home Affordable Modification Program " Has expanded its Pay for Performance incentive to include an ADDITIONAL {$5000.00} payable after the six year anniversary of your Trial Plan Effective Date.   We were very excited to receive this letter, however, Noticing it says " additional '', I looked up the   XXXX   XXXX   XXXX  , To see what the incentives were and found that we were to receive {$1000.00} per year for each of the first five years of our modification if we made our payments on time. We did not receive, so I called in  XX/XX/XXXX  to inquire as to why we did not receive the {$1000.00} per year, each of the first five years. We did receive it in  XX/XX/XXXX .   Now, our sixth Anniversary of o ur Trial plan has come and gone and I have reached out four times to four or five customer service representatives to inquire about the " Additional Incentive '' and have been told three different reasons  why it has not been applied to our mortgage. According to   XXXX   XXXX   XXXX   It says Through the Home Affordable Modification ProgramSM ( HAMP ), you could earn up to {$10000.00} in principal reduction just for making your mortgage payments in full and on timeup to {$1000.00} per year for the first five years and a {$5000.00} one-time payment at the end of year six. After year  six,   yo u may be  eligible to recast ( or re-amortize ) your reduced mortgage balance to further lower your monthly mortgage payment for the life of the loan.   We were also told we qualify for the incentive, but have to Recast the mortgage to receive? According to the  XXXX   XXXX  and   XXXX   XXXX    Bulletins, We may b e " offered '' to Recast, but it is not mandatory to receive the second incentive. We were told it was by a Bank of America Representative  (   XXXX   ) i n the  XX/XX/XXXX  call, recorded by your company at  XXXX   XXXX .   Any help in solving this issue, is greatly appreciated.
Santander Bank Incorrectly stated late by thirty days on XXXX X when they clearly received on time payments. In XXXX of 2014 they marked the payment late for 30 days when they received it on time for credit reporting on XXXX XXXX 14. Yet the statement shows received on XXXX XXXX 14 and processed XXXX XXXX 14. Something similar happened in the next month. The payment was due on XXXX XXXX 14. However that date was on a Sunday. Santander processed on the Monday XXXX XXXX 14. That payment was probably received on the Friday or Saturday before the due date but processed on that Monday
We recently sent a letter to Equifax and XXXX XXXX, asking them to investigate errors on our credit report. They are supposed to respond within 30 days, but they have not. We are attaching a copy of the letter that we sent to them.
When my checking account was opened I opted out of overdraft protection. several times I have contacted the bank and found that the overdraft protection was never turned off. This summer my account went into an overdraft and there were no funds to cover it and they closed my account. had they honored my wishes and the law then my account would never have overdrafted and I would have had my transactions declined.
To Whom It May Concern : I have recently been informed that there are negative information reported by American Express in amount of {$3600.00}, and {$970.00}, XXXX XXXX in the amount of {$4500.00} and {$3500.00}, XXXX in the amount of {$1600.00}, XXXX XXXX in the amount {$0.00} openedXX/XX/XXXX and showing 120+Days Late and closed with a return mail request, XXXX XXXX XXXX in the amount of {$0.00} openedXX/XX/XXXX with charge-off status, XXXX in the amount of {$0.00} openedXX/XX/XXXX with payment status charged-off and return mail letter, XXXX XXXX XXXX in the amount of {$14000.00} with charge-off status, XXXX XXXX XXXX in the amount of {$10000.00} with charge-off status, XXXX XXXX XXXX in the amount of {$6500.00} with charge-off status, XXXX XXXX XXXX in the amount of {$5500.00} with charge-off status, XXXX, XXXX, and XXXX on my credit file they maintained under my Social Security number. I sent all the listed creditors letters onXX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX asking to provided documented proof, bearing my wet signature, showing I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. I also asked the original creditors as well as XXXX, XXXX, and XXXX to provide me proof of the signed contract and copies of any documentation associated with this account, bearing my signature which they claim the account belongs to me. Furthermore, I formally asked the original creditors I listed, as well as the XXXX, XXXX, and XXXX, that In the absence of any such documentation bearing my signature, I formally request that the information be immediately deleted from my credit file they maintained under my Social Security number. As of XX/XX/XXXX, no one from the original creditors and the Credit Bureau still have not provided me with any documentation or contracts, bearing my wet signature, showing me proof that I consented to them running any inquires or having a contract with them for what they say belongs to me. I was also told by original creditors, as well as the 3 credit bureau, XXXX, XXXX, and XXXX, that they do n't have to show me any proof of a signed contract, bearing my wet signature, and that I heeded to take it up with the Credit bureau to get it removed. In other words, giving me the run around. When requesting documented proof of the contract and asking to show proof I consented to having the original creditors run inquiries, bearing my wet signature, the original creditors sent me billing statement stating this was verification. I never asked for billing statement because that 's not showing any contract or documented proof, bearing my wet signature, that they was authorized to run an inquiry or even prove the account is even mine. This is wrong and when I asked where does it say in the FCRA that you do n't have to show me proof, they could n't tell me and only said that it was in FCRA.
XXXX ACCOUNT NUMBER XXXX DATE OPENED XX/XX/2012 STATUS OPEN BALANCE AMOUNT BLANK
First, I was paying off a loan under my mother 's name via direct debit from my bank account, and Navient picked up the loan mid-way through the repayment term. They not only stopped the payment from coming out without letting me know, but did n't contact me or my mother until over {$200.00} was accrued past due. I called multiple times and was either cut off during transfer or continually transferred to the incorrect department. Has since been resolved, but SUCH a hassle. 

Also, I had XXXX loans paid off upon purchasing my new home ( money gained from sale of old home was used to pay off XXXX private loans ). I was awarded a refund check for amounts overpaid but I am pretty sure I should have received more and never really got a good explanation as to why I was refunded such a small amount. On top of that, it has been over a calendar month since the refund check was " issued '' and I still have not received it. Now, I have to have them cancel the original check, send in a request for a new one ( 10 business days ) and wait for them to re-send the new check ( another 8-10 business days ). This is not a customer-friendly way to run a business that deals with SIGNIFICANT amounts of peoples 's hard earned money. 

I do n't 100 % understand how these loans work, but I know my interest rates ... and from looking at my monthly payments and how LITTLE actually comes off of the principal balance, there HAS to be something fishy going on there. 

Finally, I received my tax documents and for a year 's worth of student loan payments, ( mind you, balance was over {$19000.00} most of the year ), I could only claim {$45.00} in interest? That does n't seem right.
I took an unsubsidized loan of XXXX XXXX dollars after my transition from Military service on XX/XX/XXXX. The purpose of this loan was to allow me pursue a XXXX XXXX in management information systems at XXXX XXXX University online. Initially, this loan was with XXXX XXXX who later sold the loan to Navient, a parent company. I am struggling to make payments and have requested on numerous times for Navient to lower the cost to affordable payments. Instead, they have chosen to continually harass me at work with phone calls violating my privacy because I work with prisoners. Now, I fear for my life and have indicated to be contacted via e-mail only and that was ignored. Next, I feel financially exploited by Navient changing my loan from {$10000.00} to {$26.00}, XXXX. As, this was reported to the credit bureau affecting my credit scores negatively. I have made several payments ranging from {$270.00}, {$270.00}, {$22.00}, {$50.00}, dated on XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX respectively. Also, I was told by a representative over the phone to make a final payment of {$270.00} on XX/XX/XXXX and then continue to make {$50.00} monthly. She suggested filing a forbearance which I did, and Navient never acted on it. They have remained adamant and inconsistent in prorating my monthly payments and this is unacceptable. I am tired and sick of being harassed and exploited and hoping that they put a stop to this.
I have been contacted by a collection agency that never leaves a reference number. I have always had to call them back. Most of the time I get the same collection 's rep, who always says she always leaves a reference number and if I ca n't give her a number, she ca n't assist me.. Once I got another rep. I gave my address. 
She said the issue had been solved. The agency continued to call. I do n't know who I could owe. I would hate the debt to grow because of non-payment. How can I get information on who I may owe without having information and without giving someone I do not know my personal information?