WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXXCard # : XXXX XXXXHello, My name is XXXX XXXX and I am writing as a very disgruntled card holder of your bank. 
On or about XXXX XXXX. 2015, I submitted through my Online Bill payment system, a payment in the amount f : {$67.00}. This check was apparently sent to your bank and received, and cashed on XXXX XXXX, 2015. But the funds never made their way to my Credit Card account as a payment received. 
I am not satisfied with this action, because your bank played a role in proactively making sure my payment was late and never posted. I had to send in additional funds to cover the minimum balance due at that time. As a customer with ALL XXXX Credit Cards that your bank offers, this really makes me think in a negative light about the actions and day to day activities at your bank. 
Not only could you look up my name and address on the front of the check - it even lists my credit card account number. Yet, the money still has not been posted to my XXXX XXXX account. 
The actions of your company has caused such a strain between me and the customer service team at my bank. You also caused continuous stress on me and your own customer service agents due to the fact that I CONTINUALLY CALLED AND AGITATED YOUR AGENTS ABOUT A PAYMENT THAT THEY TOLD ME I DID NOT MAKE. I know I am not mentally ill and I have the proof of such a payment. 
I 'm not sure who you have working for your company in accounts receivable, but they should to be replaced ASAP! Where is the money? 
I demand to be financially compensated for this shoddy error on your behalf. I would like the payment of : {$67.00} credited to my XXXX XXXX XXXX account immediately. I also would like an additional adjustment/credit made to my account for the exact amount of : {$67.00}, or I am requesting a Credit Limit Increase made to all of my XXXX/First National bank accounts immediately. 

Thank you, XXXX XXXX
Back in XXXX I got fraudulent activity in my card. I contact the credit card to reconcile the transactions that were fraudulent and since then there has been a lot of messages related to that and I do not understand what was going on. the last electronic message was last week ( XXXX ) related to that. 
I have been waiting to close completed my credit card so I can make sure I can see any additional activity. 
Yesterday I called Citi Credit Card to 1 ) ask what is going on and 2 ) close my account.

I spoke to the manager of the call center ID number XXXX and she said the fraud department is the only one that can tell me about the fraud activity and they were closed. i explained I need to understand if everything is OK so I can close my account. I also explained I do not plan to keep the credit card and an annual fee was charged. I asked her to give me options to figure out what was going so I can close my account because I don't want to pay the {$100.00} fee for a card that can't help me resolve fraud issues when it happen. 
She was really rude and told me that I have no options and I must pay the fee and balance before closing my account. 
It feels like the credit card company is delaying solving my problems so they can charge me {$100.00} before closing my account.
A collection agency XXXX XXXX is reporting false information on a debt I do not owe. I have proof that my insurance company paid this claim back in 2011. This collection agency is reporting false information.
I have absolutely no idea what these accounts are, I have never opened a account with these creditors and want this removed. I have notified my local Police department ( XXXX XXXX county sheriffs ) of these fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts In my previous CFPB report to Transunion it was claimed that they had PERMANENTLY BLOCKED the fraudulent information/accounts. 


Sure enough today I see this fraudulent accounts again! The other consumer credit reporting agencies furnished a block once they said they did but Transunion for some reason did not block XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX once they had already told me they permanently blocked them and had closed my complaint with the CFPB as Closed with Non Monetary Relief. 


This is not right at all, they removed the information then told me it would be permanently blocked, then proceeded to continue to report them?. I have spoken to the original credit issuer and they have even sent the account to be deleted! Im not sure whats happening at Transunion but I will be contacting the XXXX XXXX County Attorney Generals office to see if this violates any laws with the FCRA 2009 as im sure it does, just reading what his office told me it is already violating this : Section605B ( a ) requires CRAs to block the reporting of any information that the consumer identifies as information that resulted from an alleged identity theft, within 4 business days Please just do as you said in the previous CFPB report, Im truly just trying to get on from this horrendous time of theft in my life.
I have asked the company to not call my phone before XXXX due to my work hours and can get into trouble when on the phone and instead of respecting my wishes they have started calling 7 times before XXXX. I have been reprimanded once for answering their calls during work already and they have continued to call.
I had received a monthly credit report on XXXX as part of a free service with my credit card company. My credit card company used TransUnion to provide this service. In the report I noticed that the reported amount for the outstanding loans I have is about {$81000.00}. Previous statements from my loan had stated that my loan balance was around {$67000.00}. I called my service provider and they confirmed that my loan balance was correct. They had also affirmed to me that they send monthly balance updates to the Federal Credit Bureau, and they recommended that I contact the credit reporting company to tell them to update my information. 

I admit that I had a free credit report done in XXXX 2016. XXXX and XXXX had reported the same amount that XXXX had been reporting, but TransUnion was the only one that was reporting the {$81000.00}. 

I called TransUnion immediately after I called XXXX. I was first asked a series of questions to confirm my identity like I would for a credit report, but the first alarm that went off was they asked for any other last names that I have used in the past. The had no record of my current name. It has been XXXX years since I had changed my name and I had never worked with this company ( or other credit reporting companies, namely XXXX or XXXX ) before the phone call on XXXX. Therefore, any information they were able to collect prior must have come through Federal Credit Bureau. When I asked them to update my information, they had told me that I need to mail in information confirming my identity with a current lender. This company is asking to confirm information with them that should have been provided from the Federal Credit Bureau. 

When I inquired about the amout reported for my loan after being told I need to correct my current name with TransUnion, the representative was unable to confirm with me the total outstanding balance on my student loan with XXXX and stated that I had several accounts with them. He told me then that he would send me my credit report with them in the mail and that I needed to call back in 3 to 5 days to tell them which accounts were wrong. Again, prior to this conversation with TransUnion, I had never engaged in business items with them so the information collected on me had to come from the Fedeal Credit Bureau and therefore, they are delinquent on their records. 

As in the case I discovered with my credit card company, my outstanding debt is being falsely reported to creditors and lenders. It is negatively impacting my credit score and could potentially harm my chance of purchasing a home in the future. This correction must be made with out hassle ( e.g. mailing unsolicited credit reports, and providing documents to prove my name change that should have been noted already ), and the company must update their information using the Fedeal Crefit Bureaus Databases.
The company refuses to cancel PMI on my mortgage after many requests. The current loan to value ratio is .69 %. The requirement for them to cancel PMI is .78 % and below. I spoke to someone at the company and was told that the company needed an apprasisal. I was specifically told that I can hire my own appraiser, which I did. After I sent the appraisal to Ocwen, they told me they would not accept it because I did n't use their authorized appraiser.
As I mentioned, in a previous call to Ocwen, I was told by an Ocwen representative that I could hire my own appraiser. My appraiser is certified with the State of NJ. The appraisal dated XXXX XXXX, 2017 is attached.
Appraised Value of House {$460000.00} Loan Amount {$320000.00} LTV .69 %
I paid XX/XX/XXXX payment on XX/XX/XXXX and was delivered on XX/XX/XXXX transaction number XXXX   and I paid XXXX payment on XX/XX/XXXX transaction XXXX and was delivered on XX/XX/XXXXXX/XX/XXXX according to XXXX. I paid {$140.00} both times to MB Financial electronic bill pay thru my XXXX   checking accounts. Both payments have been paid out according to XXXX records and MB Financial can not find the funds. Because of this my XX/XX/XXXX payment that was due on the first is now late and missing. I sent over proof of payments as well as my bank statements to prove that the funds were in fact paid out and they are not locating the funds and told me I should resend the money that is lost otherwise payment will be late. This is not the first time something like this has happened with MB Financial. 2 years ago the payments were on auto-pay and they for some reason stopped pulling the money straight out of my account with out notice.
I received an alert from all 3 credit bureaus that a collection was added from Diversified Consultants XX/XX/2017. The amount is for {$940.00}. I have never heard of this company and I have n't received any notices in the mail pertaining to this debt. I was not given the option to dispute the validity of this debt before being placed on my credit reports. I demand this account be removed from all 3 of my credit reports immediately and be given the opportunity to dispute this alleged debt.
Trans Union had a glitch in there system that violated the rights of their consumbers under section 6.11. As a result, I have been gravely effected and my credit score is suffering as a result. No notice of was ever given which is also a violation. I am requesting that ALL inquiries be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Step XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **XXXX Apr XXXX XXXX XXXX **XXXX XXXX XXXX XXXX XXXX
Receiving unwanted phone calls from XXXX. Last time they try was XXXX/XXXX/2015 at XXXX XXXX.
Continuing phone calls from US Bank regading credit card payments. I am signed up with a credit card repair agency.
While going through the process of a 8 year divorce, I had relinquished my home at XXXX XXXX XXXX XXXX, Ca to the mother of my children. Court documentation stated that she had full custody of my children ; additionally, I wasnt abreast of their activity, nor was I granted any visitations. I extended the business to continue the last contract up to XXXX upon which all funds received went directly to her to a bank account that I had know access to. I recently checked my credit and found that in XXXX, XXXX and XXXX several liens were placed on my credit unbeknownst to me. My address has been in XXXX XXXX for the past 6 years. The updated status of these liens have apparently been satisfied/released and this has caused more of a hardship upon me to function in todays economy. I have know knowledge what these were placed on my credit for, for I havent been in contact with her and I still have to go through her if I wish to speak to my now XXXX XXXX XXXX son. I feel that due to her knowing my personal information, that my name and information was used in of hers for whatever these liens are applied to. I need to see proof of my acknowledgement, signature, etc ... something showing that i was aware or responsible for any of this.
Kohls representative refused to escalate my call in regards to a payment and closed my account without my consent. I have requested that no credit inquires be placed on any credit. I spoke with several representatives and all where unwilling to assist our answer my questions
Hello I have a business account with Chase bank. I have text messages or emails set up to notify me of a low balance. My balance was below 50.00, I normally get a message informing me of this issue and I immediately transfer money to prevent an overdraft. Well, for some reason Chase bank did not notify me and continued to pay my charges and charged me XXXX, 9 times. I feel they were intentionally trying to make money off of me. There is not a XXXX balance in fees. I went into the bank and spoke with a manager, XXXX XXXX, she also could not assist me.
Sometime during the week of XXXX XXXX, I contacted CapitalOne bank to close a savings account I had in XXXX. Because I had to have the balance mailed to a different address than the one on record, they told me the address change would take 10 days, after which the account would be closed and a check mailed to the new address in Florida. The account reflects that the account was closed on XXXX XXXX. A second check for a lesser amount was also issued for the interest earned but not recorded at the time of closure of the account. To date, I have not received the money. I called about it during the week of XXXX XXXX, and was told if the check had not arrived by XXXX XXXX, I should contact them. I contacted them on XXXX XXXX and was told that the check had been mailed but not cashed. They then told me an account advocate would contact me in one or two days and I could arrange to have the check overnighted. On XXXX XXXX, the account advocate contacted me and told me I would have to sign affidavits stating I had not received the checks. They could mail the affidavits to me ( which would again delay the release of the money ) - or fax it to me - and I do not have a fax. I then requested that they e-mail me the forms, which they have agreed to, but I have to take it to a notary. The amount of money is nearly {$330000.00} and not earning interest since XXXX XXXX. I now have to sign the affidavit in front of a notary and return it to them - which I can do and will do. But the entire process they have required seems a deliberate effort to release the money from CapitalOne to me. And, there is no provision for the interest to be paid during the time of the bank closing the account and me receiving it - which date is still up in the air.
Applied for PSLF and was denied. No credits even though I made 10 years of payments. I am just finding out my payments did not qualify yet I was not informed about that when I started.
I leased a kia I did the regular maintenance on it. Kia said that they are not responsible to honor warranty if not done at kia? They stated how do they know it was done properly. without any warning light first the battery needed a boost then it stalled the starter stopped and then the engine locked. never ever a warning light.the car was due back on a lease return and i am responsible for installing a new engine. i am a widow on social security and neerd to come up with over XXXX dollars
I sent two Validation of Debt certified letters to Receivable Performance. They have never responded to my request. Furthermore, the conducted credit inquires without authorization bt me either in written or oral form.
About 6 months ago a collection agency began contacting me about XXXX and stated I owed XXXX over XXXX dollars. I advised that I did not owe XXXX that amount of money. In XXXX they placed a collection on my credit report. I contacted Convergent and advised that they were reporting a debt that is incorrect. They advised that I owed for XXXX lines of service. I advised that even if I owed for XXXX lines of service its no way I could possibly owe {$2300.00}. I requested that they send me an itemized bill of my charges. They said that they would contact XXXX and send me the correct amount. I still have not received this information and they can not provide me with an accurate bill. Also, this account is over 3years old and they have just placed it on my credit report.
A company by the name of Accelerated Financial is calling me relentlessly after I have told them not to call me again. I have no idea as to what debt they are calling about, if any legitimate debt, at all. They threaten to serve me with papers, but never do. They have resorted to calling immediate relatives of mine to track me down including my son and sister-in-law, and perhaps others. They are harassing me, and I want the calls to disinterested 3rd parties, and to my home and cell phone numbers, to stop.
This complaint is simple. A company by the name of XXXX XXXX XXXX has XXXX entries on my credit file. I have disputed them previously but they keep coming back verified. I disputed in writing to this company for validation of debt and never heard heard anything back, yet they continued with collection efforts. I found out this company is no longer is business per the XXXX website and recently entered into a consent agreement with CFPB to recoup monies illegally collected by consumers. So my question is how did the credit bureau verify a debt with a company that is no longer in business??? The phone number for the business is now a recording for a promotional offer.
In XXXX, XXXX, I took out a GE Bank Care Credit card, in the early morning in XXXX, PA because I could not afford a veterinarian bill to save my dog after being hit by a car. I filled out a form, and the rest was done over the phone. I never received a card, and believe I have paid this account in full. I feel like there is a lot of interest, when I was led to believe there would be no interest because it was a medical card. They said I could use it for my own medical reasons as well, and that is why there is no interest. 
Today, XXXX XXXX XXXX, I spoke with XXXX ( would not give me last name ) who is a recovery specialist, and was very rude, while I tried to get a record of my payments, and account balance. He told me that since the credit was sold to XXXX XXXX XXXX XXXX, that I had to write a letter to Synchrony bank ( who bought the Care Credit card from GE Money bank ), and they would review it, and determine if they should send me the information I have requested. I tried to get transferred to a legal department, or someone else who could help me, but he refused. He then said he would transfer me, but he did n't " have any control over where the phone call get sent. '' I was then transferred to a line that sounded like a fax machine. This person spoke with a heavy foreign accent which also made it hard to understand him. I felt like I had to repeat myself multiple times for him to understand me as well. 
I remember making a payment and being told I did n't owe any more money in XXXX, and I think it was a {$300.00} payment. 
The debt has again been given to another company by the name of XXXX, and now they are calling me. I was an XXXX member of the XXXX XXXX at the time, and have since been XXXX. I am just trying to make sure I am not getting taken advantage of, as I feel like I already have with the care credit card.
I discharged a debt in chapter XXXX bankruptcy that was owed to XXXX XXXX XXXX College. Despite this fact this debt keeps being sold to new collection agencies and I keep being contacted in an attempt to collect this discharged debt. I have informed XXXX previous collection agencies that this debt was discharged in bankruptcy and included as a listed creditor in my bankruptcy. Instead of this being the end of it the debt just keeps getting sold to a new collection agency and I 'm again contacted.
I am a member of hancock\ Whitney bank and I needed a document notarized, upon getting arriving which is a branch I visit daily I asked to have a document notarized the guy who knows me as a every day customer turned to the branch XXXX and asked her was the person there she immediately looked at me and asked are you a customer and I stated " well I do n't know you either '' sarcastically due to her viewing the mutual knowing of a customer she witnessed between me and the teller and she further stated let her check for the guy who has the ability to notarize documents. She went upstairs and came back down and asked me what type of document was it and I asked her why because she 's not a notary and is none of her business, and I told her it does n't make sense for her to get in my business and I still have to wait. she said well sir I will view the document and let him know because we have policies where we can not notarized verbatim on bank time any bank related documents. I told Her okay and allowed her to view and read my document waiting XXXX minutes I noticed a guy walk down stairs and XXXX minutes after that he came up and asked how may I help you, I told him I have a document to be notarized he asked what kind of document do I have because they can not notarize certain documents and the only thing they can notarize is bank related documents. I questioned that and he repeated that they are not allowed to notarize bank related documents. I told him well why did the XXXX get in my business when she knew nothing could be done and had I known this I would 've went to my credit union he apologized and stated is there anything he could do I told him no! I feel like closing my account and walked out. I called another hancock branch to understand the validity of what they stated and a guy on the XXXX XXXX branch by the name of andreu broce answered and told me that the document I had can be notarized as long as it was not a bank document in which my document is not. I hung up with him telling him I 'm on the way and I immediately called the branch on XXXX XXXX demanding answers to why I was made to feel broke and discriminated against in which the XXXX made up all kinds of apologies and now I am at the other branch with a motorized paper from the same bank just a different branch and now I feel I was discriminated against and refused a service that was due to me being a member of hancock\Whitney bank XXXX
I finally found my BK papers, so TransUnion has nowhere to hide. XXXX XXXX was on my bk like I said before.
PNC Bank Check for the amount of {$670.00} presented on XX/XX/XXXX and insufficient funds fee {$36.00} on XX/XX/XXXX. 

First Issue : Check cashed the same day at another bank. PNC sped up the process to charge the customer overdraft fee. This was a traditional check presented to XXXX XXXX. The normal process takes one day via this transaction route from one bank to another bank. This check was not presented via a teller nor was this via a mobile banking resources. 

Second Issue : I receive my payroll direct deposit on XX/XX/XXXX and is visible in my account at XXXX XXXX on XX/XX/XXXX and available balance and ledger balance reflect the deposit but hours later PNC on XX/XX/XXXX will subtract/adjust the available and ledger balance by deducting a overdraft fee even though they recognized the deposit and acknowledged its existence in my account the day before.
I loged into XXXX XXXX and it says i have {$130.00} in colections from XX/XX/2012. I should not owe anything and dont know why its saying i owe money. Please help