WillisBack/dataset-financial-user-claim huggingface dataset:
As of XX/XX/XXXX, Bank of the West has refused to resolved my issues of bait and switch from a promised interest rate of 2 % /2.02 % APY to 1.29 APY ; closed my account without reimbursing me the full account balance ; and not allowing online access. This is after filing a complaint with the CEO, XXXX XXXX on XX/XX/XXXX and speaking with the manager, XXXX XXXX at the XXXX XXXX branch on XX/XX/XXXX. I was referred back to the branch that originally caused the problems so naturally nothing got resolved. 

This complaint concerns the Bank of the West branch at XXXX XXXX, Ca. I opened an XXXX XXXX XXXX account on XX/XX/XXXX with the understanding that the interest rate would be at 2 % /2.02 % APY.  The opening balance was {$20000.00}. 

An account statement from XX/XX/XXXX XX/XX/XXXX was received sometime in mid-XXXX XXXX. Instead of the promised APY 2.02 %, the statement stated an APY of 1.29 %. On XX/XX/XXXX, I went to the local XXXX XXXX branch for an explanation. More or less, all the employees including the manager ( she refused to speak with me directly ) stated that this was correct. Out of frustration, I immediately closed the account on XX/XX/XXXX. Instead of issuing a closing check for the full balance amount, it was issued for what was stated on the XX/XX/XXXX XX/XX/XXXX statement of {$20000.00}. There was an interest amount from XX/XX/XXXX to XX/XX/XXXX still outstanding. But, the employee insisted there was no other remaining amount and if there was any, it would be just a few dollars and not to worry about it and to let it go. She even issued me a balance receipt showing the available and current balances were XXXX. Once home, I checked my account online, it showed the remaining account balance was {$13.00}. I then immediately contacted someone on the phone at a Bank of the West call center regarding the issues, who stated my account was frozen and nothing could be done. 

I tried to log online again on XX/XX/XXXX and XX/XX/XXXX and was unable to do so. The notices posted were Access Suspended with an invalid reason that [ I ] havent signed into it for over 18 months! On XX/XX/XXXX, I tried to re-enroll on Online Banking but was denied because my account had been closed.
National recovery agency keeps calling to collect a debt they say is from XXXX XXXX, 2009. They say the bill XXXX for {$420.00}! They have never sent anything in writing ( no bills or letters ) for six years! I have never received a bill XXXX! I called XXXX and they have no record of this bill or of me owing any money! Iwas seen at that hospital and all bills were taken care of through our insurance! They provided an account number which does not exist!
In XXXX I pulled my free credit reports. I noticed that Portfolio Recovery Associates had recently placed a collection account on my file. I did not recognize this account and initiated a dispute. The dispute came back as the account being verified. I called Portfolio Recovery to inquire about the account and they informed me that they could not take any action on the account until XX/XX/XXXX because they were waiting on the original creditor to furnish verification documents. Portfolio Recovery reported negative information to the credit bureaus before verifying the information. When I questioned the validity of the account they were unable to provide proper documentation. The representative did state that this account is a charge off that is dated in XX/XX/XXXX. This false reporting has caused me to be denied for credit.
XX/XX/2018 I sent this letter to XXXX XXXX Dear : XXXX XXXX XXXX As I was reviewing my credit report I became aware of a collections account reporting by your company. What I find strange is your attempt to collect on a debt thats non-existence. Why would I pay for something I do not owe? Again, I dont owe you any money? 
With that being said, please see this letter as me disputing this alleged debt with your company as well as requesting debt validation. 
Thirty days, is more than enough time for you to send me legal supporting documents bearing that this account belongs to me, hence owing you any money. 

Regards, XXXX XX/XX/18 Report # XXXX Dispute Results : * XXXX XXXX XXXX XXXX-Verified as accurate *XXXX XXXX XXXX XXXX XXXX Verified as accurate XXXX XX/XX/18 Report # XXXX Dispute Results : XXXX XXXX XXXX XXXX Deleted *XXXX XXXX XXXX XXXX XXXX-Updated If XXXX XXXX sold this account to XXXX XXXX XXXX why were they both reporting as open? Once I sent the debt validation letter to XXXX XXXX XXXX it was finally removed. Attached below is the letter that I sent the credit bureaus. 

Dear Credit Bureau I am writing to dispute this account that is reporting inaccurately. I contacted XXXX XXXX XXXX  at the telephone number XXXX on XX/XX/2018 at XXXX XXXX and was advised to contact another number XXXX. What I find strange is XXXX XXXX XXXX  sold this account to XXXX XXXX XXXX, but XXXX XXXX XXXX has removed this from my credit file as of XX/XX/18 after my dispute with them. Both XXXX XXXX XXXX  and XXXX XXXX XXXX, with the same partial account number XXXX were both reporting on this same debt. IMPOSSIBLE!! This is not a valid debt so how are you reporting it if its non-existence? I demand that you provide me with legal proof. Why would I pay for something I do not owe? Again, I dont owe XXXX XXXX XXXX any money? I demand this information be deleted from my report. Send me an updated copy of my report once this has been deleted. 
Thirty days, is more than enough time for you/XXXX XXXX XXXX to send me legal supporting documents bearing that this account belongs to me, hence owing XXXX XXXX XXXX any money. Im demanding that this is removed from my credit report immediately if XXXX XXXX XXXX cant provide proper information/documentation that I owe their company. Continuing to report this inaccurate, unverifiable information on my report is illegal and I will file a complaint with CFPB, FTC, XXXX and whoever else I need to get this resolved. 

Regards, THE IS UNFAIR TO MYSELF AS A CONSUMER AND I WOULD LIKE FOR BOTH ITEMS TO BE REMOVED FROM MY CREDIT FILE IMMEDIATELY.
I have a Macy 's store card and a Macy 's Amex card. 
On XXXX/XXXX/XXXX, my balance was {$93.00} and my minimum due was {$27.00} and due date XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I made a payment of {$30.00} which was above my minimum due to avoid paying interest. My new balance was {$26.00} Today, XXXX/XXXX/XXXX, I looked at my credit summary and I found out that Macy 's charged me {$2.00} interest fee, Why?! 
I called and was told that " now that we have received your payment in full, we will go ahead and remove the interest fee '', I was very furious, why was there an interest on my account in the first place? My payment was received in full on XXXX/XXXX/XXXX, so if I had not looked at my account, I would n't have known that my new balance was {$28.00} and my new minimum due was {$27.00}. 
I had already scheduled a payment {$26.00} for XXXX/XXXX/XXXX, which was my balance. This would have messed up my account, I would have been charged a late fee of {$35.00} and would have been reported to the credit bureau as being late on my account. 
This is how people get in trouble and this how Macy 's make money off innocent victims. I believe this is negligence, theft and deceitful. Someone has to be held responsible. I am still looking at my account and they still have n't taken the {$2.00} off. 
Five months ago, I filed a dispute on my Macy 's Amex card for an unrecognized/unauthorized transaction of {$12.00}. They never responded to me, they never took care of the problem nor did they refund the money back to my account. 
I have had so many problems with Macy 's, particularly on reporting to the credit bureau and handling disputes. By law, they are supposed to make the funds available within XXXXXXXX days when a dispute is filed.
Acct From Barclays Bank ending # XXXX Closed on XXXX/XXXX/14.
Convergant Outsourcing LLC has reported a paid collection in which I did pay to settle the account with them for {$250.00} because I owed XXXX {$280.00} for a closed unpaid phone bill. Which was in XX/XX/XXXX when it was sent to collection for none payment..Convergent Outsourcing LLC has the account listed as opened on XX/XX/XXXX which is not accurate
I opened an account at PNC Bank several months ago, and at the time was told that if I established a regular direct deposit, I could avoid the monthly service charge. However, while trying to setup XXXX XXXX, I discovered that I was being charged {$25.00} each month. At that point, I explained to the service person ( XXXX XXXX ) on the phone that this was not what I was sold initially, and she mentioned that that I actually needed to keep a minimum balance of {$500.00} to avoid the fee. Therefore, and in order to continue to incur charges, I asked for my bank account to be closed. However, I was put on hold literally for 49 minutes as the bank representative was trying to close the account. Then, the bank representative came back, and informed me that she needed to escalate the issue to the Retail Escalation Division ( XXXX XXXX ), since apparently she was unable to close the account. Bottom-line I believe that the bank representative was giving me the run around, and hoping that I hang up without closing the account. Finally, and 68 minutes into this call, I told the bank representative that I was going to hand up, and expected the account to be close immediately.
I am a PNC Bank customer who uses online bill pay extensively. Earlier this year I started noticing that PNC was automatically enrolling me in an ebilling program for several vendors. When I inquired about it they told me they couldnt stop it but would remove me on those couple vendors. I acquired a new credit card and entered it in and set up online payments but again found out had automatically been enrolled in ebill. When you are enrolled in ebill you start getting a lot of emails that seem geared towards collection of the bill. I contacted PNC corporate and what I discovered is they are doing this with all customers. My theory is that XXXX who does their online banking is charging vendors like XXXX for the ability to penetrate bank accounts and automatically enroll customers. This is wrong. It is a conflict of interest that should be disclosed to customers. I demanded that stop this practice for all customers and disclose it. They said they would stop it on my account only and ignored my request. Something smells rotten between PNC and XXXX. If disclosed its not a problem but nobody should be automatically enrolled in something in your bank account because a vendor paid for it. Your money is between you and the bank.
Ocwen held our insurance proceeds checks from an XXXX 2015 hail storm which caused damage our home. We have submitted all checks and the requested documentation, other than the certificate of completion, to Ocwen 's Insurance Loss Department. We have also received an inspection - from their inspector - indicating that the repairs are 90 % complete. Ocwen continuously indicates that they are also missing an acknowledgement form ; but, they agree that the fax number and loan number we are using in our multiple faxes containing the 'missing ' acknowledgement form are correct. They refuse to give an email or other method for delivery. They also returned XXXX of the small insurance checks to us, with a letter indicating they had endorsed them - but, they had not. We are now incurring the yet another overnight delivery cost to send the checks back, in the hopes that they will endorse them and return them to me in a timely manner, so that I can make payments for some of the minor repairs. They refuse, however, to return our {$20000.00} check, even though their policy is to release the funds at XXXX % completion. Which, as referenced above, has been verified by THEIR inspector. On our most recent call, they have asked us to now sign a certificate of completion, certifying that all repairs have been made and the property has been restored to the condition existing prior to the damage. I explained to them that per their inspector, the repairs are only XXXX % complete. They refuse, however, to release the funds without the certification. At this point, our contractor has been without payment for the roof and gutters for several months and each time I call, Ocwen tells me there is nothing they can do, other than submit the forms, wait another XXXX business hours for their system to update, and call back.
On XXXX/XXXX/XXXX my wife visited what she believed to be an XXXX XXXX XXXXlinic operated by the hospital system that employs her for a routine strep throat check. We later received an invoice for {$79.00} for 10 % coinsurance. I thought this was very high and questioned the amount only to be told that the facility was an emergency room and not an XXXX XXXX center. I then filed a complaint with my state 's XXXX 's office because I felt the billing practice was unfair since the office building had a huge sign out front identifying it as XXXX XXXX. I went ahead and paid the invoice as well. On XXXX/XXXX/XXXX I received a response from the hospital system 's attorney through the XXXX 's office indicating that they decided to refund the {$79.00} coinsurance payment but they felt their billing practices were legal. Everything was good until XXXX XXXX when I received an invoice from XXXX XXXX of XXXX MI saying that I owed this debt. On the XXXX of XXXX I sent a certified letter to them disputing the debt and forwarding copies of the letter from the hospital system as well as a copy of the credit card transaction and the refund transaction proving that the debt was no only paid but also refunded. I assumed this would resolve the situation as the debt is clearly invalid. They continued sending me invoices so I hired an attorney through my employer 's legal access plan. The attorney said that he 'd send them another letter and handle the situation. In XXXX XXXX I received an invoice from a new debt collector, XXXX XXXX XXXX XXXX of XXXX NY for the same debt. So it 's clear to me that XXXX decided to sell the debt to a new collector rather than go back to the original creditor to correct the mistake.
****REMOVE THE CONSUMER STATEMENT AND FRAUD ALERT IMMEDIATELY! **** Is this a coordinated attack from XXXX XXXX, XXXX, TransUnion and XXXX  or simply the results of a reckless atmosphere within the credit reporting agencies and towards requirements/laws Congress has clearly stipulated. 

XXXX, XXXX and TransUnion have blatantly committed fraud by adding a consumer statement and 90 day fraud alert on my credit reports, implying it was done at my request, particularly in light of the fact, I had clearly requested to remove all consumer statement and NOT add any additional consumer statements just 10 days ago. 

Summary of Facts : I have been trying to close on a {$600000.00} mortgage since XX/XX/XXXX ( see attached ; inquiry from XXXX XXXX ) and must close by XX/XX/XXXX, otherwise suffer a large financial lose. They will not close with any consumer statement on my credit report. 

On XX/XX/XXXX, I filed a dispute and clearly requested the removal of all consumer statements and that I did not want any CONSUMER STATEMENTS reported in the near future. See case # XXXX XXXX Here is the exact wording : RE :  XXXX XXXX XXXX Credit Card acct # XXXX x FRAUD! I have no idea what the XXXX is going on. I have a XXXX XXXX Credit Card with a credit limit under {$1000.00}, which I have not used in years. 

*irreversible harm and damages is certain within weeks from today if no action is taken promptly, as the timing of these most recent updates to my credit report could not have come at a worst time. 

*Also ; I DO NOT WANT ANY CONSUMER STATEMENT ADDED TO MY CREDIT REPORT AT THIS TIME AS A CONSUMER STATEMENT WILL ALSO HARM ME. I SIMPLY WANT THE NEGATIVE INFORMATION SYNCB RECENTLY REPORTED REMOVED ( THIS CAN BE A TEMPORARY REMOVAL AS I AM HIGHLY CONFIDENT ANY INVESTIGATION WILL CONFIRM MY CLAIMS AND CONCLUDE FINAL REMOVAL. 

However, I was shocked and bewildered that XXXX, XXXX and TransUnion went ahead and placed a consumer statement along with a 90-day fraud alert onto my credit reports without my knowledge and request. 

I am assuming the credit bureaus will Likely attempt to use my complaint in case # XXXX XXXX as their reason. If that is true, it is further proof XXXX, TransUnion and XXXX do NOT properly read and investigate claims of disputes. Nowhere in that dispute did i request or even hint to add a fraud alert or consumer statement. 

WHY? The fraud I disputed on case # XXXX XXXX took place three ( 3 ) years ago. It is clearly written in the dispute. Further I have ID theft protection through XXXX and a membership with XXXX who claims to monitor and safe guard me from ID theft along with a XXXX dollar insurance policy to cover any cost. Therefore I am in no need of a consumer statement or fraud alert. 

PLEASE remove the consumer statement and fraud alert immediately
My student loan was transferred from XXXX to navient in XX/XX/XXXX, I was not made aware of this switch. Until this time, my payments have been current. Because of an excess payment when with XXXX, my payments continued to be made for some time although I received late fees everytime. In late XX/XX/XXXX I was made aware by phone that my account was delinquent. I honestly am having a hard time keeping it all straight but for the last 3 weeks I have been on the phone with Navent, XXXX and my bank trying to make payments When I was made aware that Navient is now the holder of my loan, I logged onto the website and signed up. I entered my bank account numbers and made my first payment on XX/XX/XXXX. To date, I have tried to make payments 4 times since XX/XX/XXXX with the most recent being today XX/XX/XXXX. Each time, I checked my bank account a few days later and upon seeing the money still there, called Navient. Each time Navient told me that the bank rejected my payment. I was never sent an email with this information. In the meantime, they helped me put my loan in forbearance until XX/XX/XXXX so I would not receive further hits on my credit due to their incompetence. ( my words, not theirs ) I was advised to call the bank to see why they were rejecting the payments which I did on XX/XX/XXXX after realizing that my first payment was rejected. My bank ( XXXX XXXX XXXX ) said that they had never received any requests from Navient and I assumed that the problem was on my end with the numbers that I gave Navient. I proceeded to repeat this process 2 more times, verifying and reentering my bank account and routing numbers each time. Both times, my payment was not processed and my bank still has not heard from Navient. The excuse that I get from Navient for my bank never having heard from them is that I must have given the wrong numbers so I printed out an account verification and used it to verify the numbers I put on my Navient account. They match exactly. I tried one more time to make a payment. Today, XXXX XXXX XXXX, I made the payment of XXXX to my account. I am writing this complaint to document all that has occurred, I feel that I have no other recourse against this company and that they will ruin my credit. I have been paying my loans faithfully since I graduated and am financially able to make my payments. When searching the company, I find that others are having similar problems making their payments. I find this disgusting and predatory whether it is purposeful or due to incompetence and I want to do my part to make sure that Navient is held responsible for their actions.
Someone applied for a vehicle in my name and now it is reflecting on my credit report and this is not my account
This is an amendment to my previously filed Case number : XXXX. 
As I stated in original complaint about Best Buy Debt protection form, I have received the form on XXXX XXXX 2016, I filled it with whatever information I have and sent it by XXXX XXXX 2016. 
This is because I was checking with my XXXX about my eligibility for unemployment benefit. I talked to state unemployment agency and they finally registered me. Only thing I am worried about the consequences of this on my XXXX now. XXXX verifies about such claims and may disapprove my XXXX and may XXXX me and my whole family. Just wish to clarify this to BestBuy. I have attached copies for their reference with this complaint amendment.
Was working on my XXXX at XXXX University and had almost completed the program except XXXX course, XXXX XXXX, and XXXX and was receiving financial aid thru the XXXX. Became ill and had to undergo XXXX and XXXX that lasted from XX/XX/XXXX-XX/XX/XXXX, with ongoing treatment ; however, I requested a leave of absence from the school and was granted a 2-quarter leave -- which is only 4 months. Student requested an additional leave on the grounds of medical and was refused, requesting personal medical records from my XXXX. My XXXX wrote a letter to XXXX University, and that is the way I received an additional leave of absence. Also, student had reached the financial aid lifetime aggregate, but XXXX University kept the student enrolled and billed the student with the student owing XXXX University instead of the federal government. This is a scam, to say the least. XXXX University had turned this bogus account over to a collection agency -- Allied Account Services, and this company is relentless -- will not listen to reason and keep digging into my personal files at XXXX and submitted the documents which has no baring on this bogus account.
On XX/XX/XXXX I applied for a new cashout refinance mortgage. My new lender and their title company have tried for 14 business days to get my payoff from Capital mortgage Loan Servises of Texas. They have never complied. I contact them on XX/XX/XXXX and requested this payoff myself amnd they denied my request. They have made numerpus excuses and have denied sending my payoff to title and have severly hurt my financial status.
I noticed a significant drop in my credit score in XX/XX/XXXX. About 90 points in 30 days. I do not have any credit card debt, mortgage or car payments so I found this very odd. I have a small amount of student loans that are almost paid off but I only recently graduated. I looked into my credit report and noticed a {$1900.00} notice of debt collection from Amsher Collection agency collecting on a delinquent XXXX bill. ( attached below ) I have never had an account with XXXX in my life. So I called both Amsher and XXXX. XXXX told me there was no account in my name they had a record of. Amsher forwarded me to odd people asking for my personal information and SSN. I felt uncomfortable and decided to call the CFPD. They guided me to help file for fraudulent identity theft, put a freeze on my credit and told me to send a letter of validation in order to gain more on the debt. I did all of those things and also disputed the claim from my records. I sent a letter of debt validation to Amsher ( attached below ) on XX/XX/XXXX and never received a response. I also was denied by dispute on my XXXX credit report ( attached below ). I want this fraudulent activity removed from my credit. Please let me know if I can provide any additional resources. Thank you