WillisBack/dataset-financial-user-claim huggingface dataset:
I live in California, where XXXX and Paid Family Leave is contracted through Bank of America. We receive a debit card that can be set up to receive the payments and directly deposit them into our personal bank accounts. The State of California deposited my final 2 payments onto my Bank of America debit card, but only one of the payments was deposited into my bank account. When I called Bank of America ( XX/XX/17 ) to clarify why they had n't deposited the other {$3200.00} into my bank account, I was told by a representative that I had exceeded the amount that can be transferred in a 7 day period. I then asked if there was anything I needed to do in order to move the remaining balance over and was told that the remainder would automatically be moved over in 7 days. I clarified that there was NOTHING that I needed to do in order to move this money over and was told that there was not. After 11 days, the money still had n't been moved over. I called Bank of America ( XX/XX/17 ) and was told by a different representative that the money was still in my Bank of America account and would not be transferred automatically- rather, it had to be done manually. I asked for clarification and was told that the system does not check for remaining balances that need to be moved over- it only triggers the system to move it over when it is deposited into the account. The only reason I knew that there was a remaining balance is because I was personally keeping track of how much money I was owed through PFL. Otherwise, the money ( over {$3000.00} ) would remain within Bank of America rather than being transferred to my bank account.
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When I told my husband what happened, he checked his Bank of America account ( he is on PFL for XXXX leave ) and had almost {$2000.00} in his account that similarly had to be transferred manually. He would n't have kn
own to transfer this unless he had called to find out his balance.
XXXX XXXX servicing and XXXX remain on Equifax report after several complaints filed with Federal Consumer Finance and over XXXX documents, filed proving fraud and theft. 
Please also find pictures of documentfiled. in the XXXX th district court XXXX Pa XXXX XXXX person. for XXXX seperate banks XXXX of them being bankrupt at the time this was posted. please. 
Note that XXXX XXXX XXXX was never listed as having a right to collect this morgagealso note the expired notery stamp by 3 years. 
also Please note that XXXX XXXX XXXX who collected my morgagevpayment
In  XX/XX/XXXX  we g ot a mortgage with   XXXX   XXXX    who sold to   XXXX   XXXX   XXXX   ,who sold to   XXXX   XXXX  : With none of these banks did we have an escrow  ! I   currently have a filed complaint against  XXXX  with this department , complaint number   XXXX   : This complaint today is against Ditech to whom   XXXX   sold my mortgage to: 
 As in the complaint against  XXXX  , ditech was sold my mortgage with an ESCROW in which was illegally initiated by  XXXX ! However Ditech collected my escrow and kept placing my monthly  mortgage payment into an escrow ! At the same time I notified them that I have no escrow and asked why they kept placing my regular monthly payment into an escrow instead of paying towards my mortgage! They explained that they didn't know why but would ask some bigger management why! Six months go by and the supposed escrow was over paid and I was told I would get a check returned for a specific amount overpaid! Yet my monthly payment continues to go into an escrow! I will fax the proof after I receive a number to refer to this complaint! I filed a complaint against both   XXXX   and ditech about this matter with department of insurance and financial services: FIRST OFF< YOU CANNOT MAKE PAYMENTS TOWARD A MORTGAGE FROM AN ESCROW ACCOUNT WHICH THEY DID! THIS IS ILLEGAL and all funds must be returned and this contract made void! from     XX/XX/XXXX  to XX/XX/XXXX  , their st atement show all my payments went into the escrow! YOU CANNOT MAKE MORTGAGE PAYMENTS FROM AN ESCROW! IT IS ILLEGAL ! The only thing you can pay from an escrow , is taxes or insurance!  Over   XXXX   went into escrow! Suddenly it disappeared in   XX/XX/XXXX !!! Th ey are scammers!
You have 30 days to remove this from my file. They wrongfully pulled the wrong social security which linked to my actual account. This is NOT a factual record and I am demanding you guys remove this from my credit report, Or Ill seek Finanical Damages as this pulled 5 points from my credit file. I spoke to XXXX XXXX XXXX and they already sent you an email demanding you remove this from my credit file. 

However my credit file still shows this on my record - It was not " factual '' it will NOT stay on my credit file for " two years ''. The next step after 30 days I will seek an attornery and sue you in court. The point of contact was XXXX from XXXX XXXX I attached the emails she sent out - She also contacted XXXX, XXXX, EXPERIAN and told all three of you that this was fraud and to remove it from my file back on XX/XX/2018. They told me it would take 72 hours to reflect my credit file, You profit off of bad credit so I am demanding the removal within 30 days.
I am XXXX percent total XXXX service connected Veteran. I had a Federal student loan first with XXXX XXXX then it went to XXXX XXXX XXXX XXXX then to XXXX but is showing on my credit repots all  Three that it is negative over 90 days I did not have to pay the student loan according to Federal Law but they kept billing me for the loan and then reported it to the Credit reporting agenies. This is hurting my credit score I have tried to resolve this with the credit reporting agencies and the student loan companies but they say the reporting is true and accurate. This is Unfair credit reporting and should I am going to submit it to the XXXX. If the student loans were to be forgiven as Federal requires then it should not show on the credit report as late payments.
ihave tried contact equifax due to items on my report form 4 years ago stating collections with no NAME just numbers see attached tried calling equifax on phone but was disconnecteed on  2 differen t occasions
I have a a unverified account from Law Offices of Timothy M. Sullivan # XXXXXXXX.I have never done business with this company. I had previously disputed this account as it was under dispute for fraudulent fee and breach of contract I have also file a complaint with the Attorney Generals Office for misrepresentation. I have never done business with HS Financial Group , LLC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe.

I request that Timothy M. Sullivan Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Timothy M. Sullivan Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
On XX/XX/2018 a debt collector from Weinburg Mediation Group called the address that I do not reside at any longer. The collector told a relative the amount of debt that I owe, which I thought was private information.
Experian recently responded to complaint # XXXX ; however, they continue to demonstrate willful misconduct by failing to address the specifc nature of the complaint. 

THIS IS NOT A REQUEST TO VERIFY THE DETAILS OF THE PUBLIC RECORD IDENTIFIED IN THIS COMPLAINT. 

Again, I am providing factual and relevant information proving Experian 's unlawful credit reporting activiy. The public record IS NOT REPORTING CONSISTENTLY within Experian 's organization - how can this be? v I received correspondence from Experian on XX/XX/18 and that alledged verified information is NOT what Experian is currently reporting to lenders ( see dated factual evidence attached ). 

I have had enough of Experian 's dismissive nature. They continue to violate the Fair Credit Reporting Act. DO NOT SEND ME ANY CORRESPONDENCE REGARDING YOUR " VERIFIED '' INFORMATION. 

I am specifically requesting an INTERNAL INVESTIGATION as to why ONE entity ( Experian ) is reporting ONE " verified '' account TWO different ways.

The continued lack of acknowledgment willful negligence to correct or delete this record is a direct violation of the Fair Credit Reporting Act Section 611 ( a ) ( 5 ) ( a ) ( i ). I will be forwarding this and all correspondence to date to XXXX XXXX at the Illinois Office of the Attorney General. She has been in contact with Senior Regulatory Affairs Department at Experian.
In XX/XX/2018, I noticed some inaccuracys contained in my credit report. Due to the recent data breechs and identity theft I contacted the EXPERIAN on XX/XX/2018, and notified them of the inaccuracys and asked requested additional information from my consumer credit file so that I could compare it to my records. Additional I listed and detailed the inaccurate information published on my credit report and sent in physical evidence so the bureau could see proof for themselves. 

EXPERIAN has not challenged or disputed the evidence I sent but only claims to have verified the obvious inaccurate information. 

To date EXPERIAN has failed provide any documentation to support their alleged investigation or remove the inaccurate information. Yet, EXPERIAN continues to knowingly publish false information about me for others to view. 
I know Im just a little guy. What can I do to get this large company to follow the law?
I had a rental car with XXXX. I got into an accident with another driver who was at fault that rear ended me. XXXX wanted a deductible of {$300.00} and started to take different portions of deductible from my Wells Fargo checking account without my authorization on XX/XX/XXXX( {$50.00} ) and XX/XX/XXXX ( {$50.00} ) .XX/XX/XXXX ( {$100.00} ) then the payment stopped when I cancelled my card but I never received the refund. 

I had gotten another rental with XXXX after the rental from XXXX was again rear ended by another driver at fault on XX/XX/XXXX. XXXX took out {$120.00} on XX/XX/XXXX without my authorization from my Wells Fargo account due to fuel fee. Although the rental agreement was followed on my end and i have documentation of the time of the fuel amount and the date of the car was returned. Not to mention the car was paid daily under Progressive claim number XXXX. 

I started a claim with Wells Fargo on XX/XX/XXXX. Wells Fargo refunded {$320.00} the next day. Wells Fargo also requested proof of payment on these transaction which I provided on XX/XX/XXXX. Both XXXX have received their payments from the insurance company of the driver at fault ( XXXX ).  XXXX was paid by my insurance company ( XXXX ). So there was no reason that I would have to pay these charges again myself. 

I received a letter from Wells Fargo dated XXXX but received XX/XX/XXXX stating if I did not send the documents then they would take the credit off. Wells Fargo claims they have not received the documentations that I sent in, although I have proof that they were sent in way before the deadline. Wells Fargo added the total {$320.00} charges back on my account on XX/XX/XXXX. I called on XX/XX/XXXX explaining I had sent the documents requested in via email that was provided by the claim department. I spoke with the president 's office, which saw that I sent the email on XX/XX/XXXX and opened a case number XXXX although the claim department closed the claim on XX/XX/XXXX. Wells Fargo is being non compliant due to not willing to expedite their mistake and being discriminatory when I explained about my speech problem due to car accident. I requested for the representative of the president 's office to take a notation of my speech problem, still, the lady from the presented office continued to address me as ma'am instead of sir or mister. Then on XX/XX/XXXXI called Wells Fargo three times but continued to get hung up on back to back when I could barely get any words in with my stutter and speech problem. I then spent two hours and eleven minutes trying to get the claim re-opened but no one was willing to offer help. 

Wells Fargo has done nothing to help resolving the issue. They had showed poor management and poor customer service due to their employees own judgment and discrimination.
I already filed a complaint and feedback. I am not satisfied with the Servicer 's response and I want a re-file and continuation of the complaint as they have not addressed the root of the issue! Please see my feedback in your system and open a continuance of my initial complaint. 
Thank you
While I was XXXX XXXX my spouse open an installment loan contract for a vacuum cleaner in hers and my name. Upon returning home from XXXX I was informed of this contract. This contract is a fraudulent contract because my spouse did not have power-of-attorney ( POA ) to open installment contracts in my name. After reviewing the contracting it shows that my spouse signed my name as co-buyer. The salesperson should have deleted the contract because he never witness me signing the contract and never obtain a POA.
I get phone calls and letter for a collection agency trying to collected money for bills who I did n't know was on collection. I get multiples phone calls treated me of jail. I never received a bill for the previous company with an amount to paid. I want this harassment to stop immediately before I request some compensations for this issue. I am on DO NOT CALL list and still get call from collections who used difference number to get me answer. According to my credit report this account was closed on XXXX/XXXX/12. and I just received recently some calls from collection agency after almost 4 years and half without any news from this company.
Transunion is reporting two fraudulent accounts on my credit report. The first account is a XXXX XXXX closed account with a balance of {$830.00}. This is not my account and I would like it removed. I currently have a XXXX XXXX credit card with a credit limit of {$300.00} and my balance is under my credit limit. For some reason Transunion is not reporting the credit card that I currently have with XXXX  XXXX, they are reporting a fraudulent account. I disputed this account with XXXX  XXXX and Transunion on XX/XX/2017 with no response from either company. I am entitled to fair credit report, reporting. I would like this fraudulent account removed from all three credit reports and for my current XXXX  XXXX account to report. 

The second account that Transunion is reporting is a XXXX account. I have never had a XXXX account. I disputed this account with XXXX and Transunion on XX/XX/2017. I have not received a response from Transunion or XXXX. According to the fair credit report act i am entitled to have a correct credit report. Please remove this account. 

Thank you
Southwest Credit Systems I has illegally re-aged the " Date First Reported/Date First Delinquency '' for an unpaid cable bill from XX/XX/XXXX. They have showed multiple different Dates of First Delinquency. This account was closed in XXXX XXXX and I have not had any communication with XXXX or Southwest since XXXX XXXX. I have attached a copy of my XXXX Credit Report which shows the Date of 1st Delinquency in XXXX. I have also attached a copy of my XXXX report which states " This account is scheduled to continue on record until XXXX XXXX. ''
I bought an LG dishwasher at Best Buy with my Chase Business Ink MasterCard. About 1 month later, it was on sale at Best Buy for {$130.00} less than what I paid. One of my card benefits is Price Protection. I filed a claim for the {$130.00} but it was denied because they say a dishwasher is real estate so it is excluded
My XXXX XXXX XXXX account went late the first time in XXXX XXXX. The account has been paid in full. Therefore, it should not be reporting on my credit report. It is XXXX XXXX. According to the Fair Credit Reporting Act " Late payments remain seven years from the original delinquency date. A single late payment is deleted at seven years. If there was a series of late payments ( not paid at 30 days, or 60 days, or 90 days ) and then brought current, the payments would be deleted seven years from the first one missed in the series. ''
I was traveling last week and knew I had an upcoming Auto-Payment set for my Capital One credit card on XXXX XXXX from my primary XXXX checking account. The Auto-Payment was just less than my current balance so I linked a XXXX checking account to my credit card to pay the monthly bill with. I selected to make a one time payment for the amount due for the month on XXXX XXXX from that XXXX checking account and verified the details before submitting. I thought all would be fine. Upon returning today I checked and saw that the one time payment had been processed to my primary account, not the XXXX as I had requested. To further aggravate the situation, the Auto-Pay was processed as well for the full amount, even though my account should have show a XXXX balance on XXXX XXXX.
I tried to buy four XXXX XXXX basketball game tickets for {$420.00} on Saturday XX/XX/XXXX using XXXX with XXXX in my JPMorgan Chase Mobile cell phone app. the seller gave me their email and I confirmed the email with them and transferred the money. the seller/recipient explained that they did not receive their money. 

I called my bank, Chase, and had them try to cancel the pending transaction after a half an hour, the same night, after having the recipient check their junk mail folder. i was told since the transaction was pending and there was nothing the agent could do, and to call Chase support back on Monday. I called on both Monday XX/XX/XXXX and Tuesday XX/XX/XXXX. the transaction cleared on XX/XX/XXXX.

i called Chase bank support tuesday morning XX/XX/XXXX and was told that since i used XXXX with XXXX and that it was a third party service offered by Chase Mobile that my bank, Chase, could not do anything to guarantee my money back. they offered to open a claim with XXXX but could not guarantee my money back. 

after not hearing back from my bank, Chase, i called them on XX/XX/XXXX and was told the case was closed but had a case with XXXX open. i was told if the recipient tried to take the money from the receiving account that the account would be suspended and that i would get my money back -- but was also told this was a very slim chance that it would work. 

JPMorgan Chase bank offers a third party way to pay someone without any protection for the customer.
The debt is out of statue and when they call me they said something about being sued for the debt. They are also continuing to report this to mt credit bureau when it is out of statue.
original debt was with GE money bank. ge money bank sold debt to security credit. Security credit then sold debt to another company. I paid the third debt collector but secuirty will not take their collection trade line off of my credit report.
Credit card was paid same day as due date I was told I was able to pay it same day and I would n't get late fee it was n't even XXXX yet and late fee was added I 've called to see if there 's anything I can do but they try getting you for anything I really regret getting this credit card.
The charge was for venous collections {$15.00} ( XX/XX/2015 ) for which my health insurance denied as violating contract with them. XXXX XXXX XXXX ( XXXX ) reduced it to {$5.00}. Neither charge was approved by XXXX. I contacted XXXX the date of the bill and XXXX contacted XXXX and they stated they would remove charge. 1 year later I received a derogatory remark on my credit report by XXXX XXXX on my credit report. There was not attempt to contact me or write me concerning this charge. They claim I owe {$10.00} now. They damaged my credit without giving me notice or the ability to contest the charge.
XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX, Tel ( XXXX ) XXXX ) has issued us a check for the amount of {$70000.00} on XX/XX/XXXX. We are long term Citibank customers and took the check to a Citibank branch located at XXXX XXXX XXXX XXXX, XXXX CA XXXX to deposit the check to our Citibank checking account.
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On Monday, XX/XX/XXXX we have inquired with the XXXX  Citibank branch about when the {$70000.00} will be available on our checking account. We went to the branch in person and spoke with the branch manager called XXXX XXXX. She told us that she cant make the funds available to us because the sender bank ( XXXX XXXX XXXX ) has not processed the check yet. We have contacted XXXX XXXX XXXX XXXX who issued the check, who verified with their bank that the {$70000.00} check was cleared on Friday, XX/XX/XXXX and the money was transferred to Citibank that same day. They even gave us the attached document as a proof.
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Over the course of XX/XX/XXXX and XX/XX/XXXX, we have contacted the Citibank branch manager XXXX XXXX several times, and also called Citibank customer service several times, asking them to release this check fund into our checking account, but every time our request was turned down, saying that they are following Citibank process, and the check has not yet been cleared by the issuing bank. Citibank customer service also told us, that the only person who has the right to overwright this process and release the funds to us sooner, is the Citibank branch manager XXXX XXXX, where we deposited the check.
Spoke with XXXX, Customer Service Supervisor ( ID XXXX ) Case number XXXX, spoke with another supervisor, Case number XXXX.
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We even went to the extend to explain to Citibank, that we are traveling to Texas on XX/XX/XXXX in the early morning where we will need to access {$15000.00} from our checking account, but unfortunately Citibank has no branches in Texas, which means that we will need to withdraw this money from our checking account a day before we travel, so on XX/XX/XXXX. We have even showed XXXX XXXX Citibank branch manager proof of our flight ticket, asking her to release at least {$15000.00} out of the total amount on hold, on XX/XX/XXXX, a day before we travel to Texas.
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But XXXX decided not to honor our reasonable request, and kept on lying to us that the reason why she ca n't help us is because XXXX XXXX XXXX has not yet cleared the check. Representatives of XXXX XXXX XXXX XXXX and XXXX XXXX XXXX have also called her several times, assuring her that the check has cleared on their end, but she was not willing to cooperate to release our funds for us.
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We feel that Citibanks action, and in particular XXXX XXXX branch managers action was totally unreasonable and we suspect it was racially motivated, so we are escalating this issue to the CFPB for an investigation. Citibank has no right to hold our money hostage and against our will, meanwhile constantly lying and deceiving us saying that they dont have the funds and they dont know where it is.
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Sincerely, XXXX XXXX and XXXX XXXX XXXX  Citibank customers
AFFIDAVIT I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 5 years. 

My name is : XXXX XXXX XXXX File Number : XXXX ( Trans Union ) Please remove all other name variations IMMEDIATELY. They are not accurate. 

MY CURRENT WORK INFORMATION IS : XXXX XXXX XXXX My current phone number is : ( XXXX ) XXXX Also, my current and only address is : XXXX XXXX XXXX XXXX XXXX, OH XXXX All other addresses are not accurate. Please REMOVE/DELETE these address IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX