WillisBack/dataset-financial-user-claim huggingface dataset:
I refinanced my student loans in XX/XX/XXXX. The refinance is with XXXX ( XXXX XXXX XXXX ). They made a payment of {$67000.00} on my behalf on XX/XX/XXXX to American Education Services, my previous loan servicer. This created a credit balance of {$3800.00} on my account. 

AES claimed this balance would be returned within 30 days from the date of the final payment, meaning I should have been credited the amount by XX/XX/XXXX. I have still not received this money, nor has my new servicer XXXX XXXX XXXX. Today is XX/XX/XXXX. 

I've contacted AES several times, by phone and by email through their website. I've been given multiple different stories about what is happening with my account and where the money is. I was told by XXXX, employee ID XXXX, over phone, that a check was cut on XX/XX/XXXX for {$2200.00}, but this amount is not for the full credit owed, and so far neither I nor XXXX XXXX XXXX has seen this check. 

I was also told that my account was submitted for financial review on XX/XX/XXXX 

I received a secure email from AES on XX/XX/XXXX,  reference ID XXXX, informing me they would refund {$3800.00} to XXXX XXXX  based on payments made " on XX/XX/XXXX and XX/XX/XXXX '', but so far no payments have been received by XXXX XXXX, and, worryingly, this statement from AES references a payment on XX/XX/XXXX, when no such payment exists. The final payment on my AES account was XX/XX/XXXX. 

This repayment is now more than a full month delinquent, and as a result I am paying interest on nearly {$4000.00} more than I should be.
I used my Chase card many times and was careful to call, many times, to make sure what I intended to happen, would happen. I used the card to charge, and was told that if I paid anything over the minimum payment, the remainder would be applied on balances with higher interest rates OR if I used a balance transfer from another company, the higher interest items would be transferred. I did several balance transfers, the last being around XX/XX/XXXX and started to enjoy the 0 % interest, which I paid for with balance transfer fees. I had a couple of these and the least amount of time I had was 15 months before it went onto regular interest charges. In XXXX Chase insisted first : that I had defaulted on a payment and ALL fees were now at 14.94 %. In all the years I have had Chase, I have NEVER been late or defaulted. Never happened. In the first XXXX communications I instigated to them, I was told the rote statement ... ... .that once I defaulted, all the charges would go to higher percentage. All XXXX calls and it did not matter when I spoke to a supervisor. SSDD ... ... ..same stuff, different day. For the past year, I have requested from Chase and subsequently from the debt collector they set on me, to have Chase provide their explanation, showing where : ( 1 ) I ran out of " time '' on my transfers and ( 2 ) that I was ever late or defaulted. One year from XX/XX/XXXX to XX/XX/XXXX. There were more phone calls FROM me to them, messages on the statement inbox, all to no avail. Now, after one year, with the debt going from $ 8,000.00+ to $ 14,000.00+ because of the fees and 14.94 % interest they have wrongly charged me, I get a statement of maybe XXXX pages and you know what?? I find NOTHING that substantiates their claim. I NEVER defaulted, I was NEVER late and my 0 % transfers were good for the 15+ months I expected. So, where does that leave me. No cover letter or call explaining where they are getting this wrong info from ... ... ... ..just the statements. XXXX, I could have printed the statements myself. I suspect they are scamming me to try and get an extra $ 6,000.00+ dollars from me when they are wrong. I have another Chase card and I pay it religiously, just like my other cards. Period. 
Thanks for listening to this and I can tell you, I am sick of it but do not owe it. They offered to settle with me for $ 11,000.00+ dollars ... ... ... ... really? I owed {$8000.00} and they have still not explained how they came up with this wrong info.
Followup to XXXX, XXXX XXXX XXXX, in which creditor never responded. Not only were there charges for procedures I never received on this bogus bill, patient and insurance plan combined had to pay over {$7000.00} to have corrected serious mistakes this dentist made and refused to correct : a XXXX job that lasted only several months in which he refused to repair and stated that " I 'm lucky it lasted this long because XXXX only lasts a year '' ( not true ) where another dentist had to correct for a total of {$1800.00} ; XXXX that caused XXXX where another dentist had to repair for a total cost of {$1100.00} ; and never XXXX that another dentist XXXX corrected for over {$4000.00}. Now, he has the nerve to try to collect additional monies of {$1300.00}.
I have XXXX children ages XXXX and XXXX. Older child with higher income received a credit card with {$39.00} " maintenance fee '' and only {$300.00} credit limit. Younger child with lower income received a credit card without the fee and the limit is {$600.00}. This does n't make sense since this was their first credit cards, for XXXX of them. This bank may have double standard.
Automated Collection Services, inc. is reporting an account on all three of my credit reports that does not belong to me. I sent them a " Validation Letter '' to this company XX/XX/XXXX requesting validation for the amount they claim I owe. I reviewed the letter and completing disagree with their claim. I did not received services from XXXX XXXX Department as they claim and I want this incorrect information removed from my credit reports immediately. 

Just to add, during the time they claim I needed their services I had 'Full-Coverage '' Insurance through XXXX and have had it since XX/XX/XXXX.
I have been in dispute with XXXX about this bill. I have had it removed from credit due to dispute with other collection agency, only to have it moved to another collection agency and placed on credit
Received an alert today XX/XX/XXXX XXXX increase on car loan. Spoke to rep she said I have a daily rate that has to be paid. I said my payment t is not due till the XX/XX/XXXX and I was granted the approval from XX/XX/XXXX to XX/XX/XXXX. She said I dont have a 10 day late fee policy I have a daily late fee and I signed for it. I told her I never signed anything stating I would pay a daily late fee for nothing. I purchased my car XXXX XXXX XXXX XX/XX/XXXX and have ever been late. This is Usuary!!!!!! 
Not only did they grant me a extension to make my car payment a certain date now the have added a loan increase of XXXX just reported to credit bureaus. I want this loan released from them or refinance the right way.
On our around the XX/XX/XXXX, 2017, I received a Lexis Nexis report in the mail. I do not know why I received this report. Some information on the report is inaccurate. I tried to call the number listed on the letter to inquire about why I was receiving the report. I gave them the case number listed on the cover letter of the report and they said they did not have that number on file. They then told me I would need to give them my social security number and other information to determine who had ordered the report. I refused. I 'm not sure where to go from here but I do not feel comfortable with the situation and I am having trouble finding information about why I would have received this report. I do not know where to go from here. 

Thank you for your time and consideration.
After having a substantial relationship with   XXXX   XXXX    XXXX  , I got a notice they have decided to close my account and gave me no reason whatsoever. I had  one issue  with a wire transfer which was refused and caused an issue on my account, while I was traveling for a family emergency. The signer on my account had his account effected and him being on my account effected my relationship Upon fixing the issue, I was told my accounts were to be closed including all of my lines of credit, business accounts and personal accounts.     I am an ideal client and maintain substantial balances in the accounts and own and operate recognizable businesses.     There was no reason whatsoever my accounts were closed. I had issues which were addressed and fixed the moment they were brought to my attention. I want to have my relationship back as this is the only bank which operates in all the states we do business.
Bank of America ( BOA ) misrepresented certain facts, Made oral promises that they have failed to fulfill and induced me into legal action which was detrimental to my legal interests and financial future. During the pendency of my divorce in 2010, BOA representatives advised me to sign a Quitclaim Deed so that my ex-husband could keep the house and sign the mortgage modification. They led me to believe that I would be removed from the mortgage after my ex-husband XXXX XXXX has successfully paid the mortgage for a year on his own. ( I have an Affidavit signed by XXXX XXXX ). I was never advised to speak with a lawyer before signing the Quitclaim Deed. BOA then subsequently agreed to a mortgage modification for my ex-husband due to the reduced earnings in his household post-divorce. That mortgage modification was agreed to and signed by my ex-husband after the divorce was finalized. Despite the fact that I was not a signatory to that agreement, BOA has continued to hold me responsible for that mortgage. BOA has never released me from this mortgage obligation as the representative stated would occur ( I have a confirmation email to BOA rep by XXXX XXXX ). Moreover, BOA then sold the mortgage to XXXX who continues to hold me responsible for a modified mortgage I never agreed to and to which I do not hold title due to the advice of BOA reps who told me to sign the Quitclaim Deed. As a result, I have suffered financially. I have been unable to individually purchase a home and qualify for a mortgage as a result of the misrepresentation and improper legal advice provided by a non-lawyer representative from BOA Despite many years of my ex-husband paying the mortgage on his own, and despite recent attempts on my behalf by my lawyer, BOA still refuses to release me from this mortgage obligation ( absent long and expensive litigation against BOA ). Nor could a family lawyer convince the Court to force my ex-husband to refinance. Nor do I have standing to file a Petition to Partition the property to force a judicial sale ( since I am no longer on the title ). Therefore, if my ex-husband never sells the property I am saddled with financial responsibility for this mortgage for the rest of my life.
On XX/XX/2019 at XXXX a bank account transfer was initiated by myself to my XXXX XXXX XXXX XXXX   Account ending in XXXX. The estimated date of delivery was XX/XX/2019. As of XX/XX/2019, the amount ( {$540.00} ) was not received in my XXXX XXXX XXXX XXXX. Upon talking to XXXX  Customer Service, they advised the funds were on hold and would not explain why nor when they would be released. I am now claiming theft of {$540.00} by XXXX ( a company of PayPal ) and wish to prosecute accordingly. 

I have asked my local law enforcement to investigate and prosecute XXXX under Florida law.
I have been making {$35.00} per month payments to repay a {$700.00} medical debt for an XXXX. The original medical account is with XXXX XXXX XXXX, with whom I agreed to pay the monthly amount. I am XXXX and as I discussed with XXXX XXXX, I do not have the income to pay more than this. 

In XX/XX/XXXX I received a letter from Overton, Russell, Doer and Donovan, LLP and discussed this issue with one of their telephone operators. I explained that I was making payments and the person I spoke with said it did not matter, XXXX the company can still report me to a credit collector. I explained that I am XXXX and just moved so my paperwork would take a while to get organized and the persona assured mesa s long as I was speaking to them, there would be no problem. The balance on my account was {$2100.00}. I explained that I only owed {$700.00} and insurance was supposed to cover the remainder of the costs, as they had with all of my other expenses at that time. 

I collected all of the payments and documentation from the insurance company that confirmed that I was covered and mailed these out certified mail, XX/XX/XXXX. 

In the interim I received a letter from some agency ( I can not find the letter as of this moment ) stating that I was covered and these charges would be reviewed. 

I received a letter dated XX/XX/XXXX, I received XX/XX/XXXX with a new amount of {$95.00} of which I thought was the reconciled balance owed to the hospital. On XX/XX/XXXX I attempted to call in and confirm that it was reconciled and make the final payment. I spoke to " XXXX '' and found out that this was an additional bill. He told me that if I did not have the account number on it, it would not have been looked into. They say they have not received the letter I sent to them previously ( obviously received by XXXX XXXX ) and that the other amount was still open and due. I asked why I have not seen invoices/statements not his and they told me they were a debt collection agency not a billing company. I also requested to XXXX that a request be made to verify this debt and he said they could not do that - it was private information. I asked to speak to XXXX manager, XXXX who reiterated that same information and elaborated that " they just send out notices periodically '', I asked what they base that on and she said it is on a case by case basis ''. So I asked what were the requirements and she said " it is not her department '' and then hung up on me while saying " have a nice day ''. 

I am concerned that with their " notification policies '' that they will submit this incorrect information to the credit report gin agencies and I will lose points on my ratings. I have dealt with this agency before and they should not be allowed to start collections proceedings without the proper documentation and without proper notification to collect debts. I also believe that this practice is detrimental to all Americans who are forced to play within this system. If I have to provide a certified letter to show that they are receiving my information, should n't ; t they have to provide a certified letter to make sure of when I am getting their letters?
Below are the names of people and/or organizations who have obtained a copy of my Credit Report without my knowledge. It is my understanding that you should n't be allowed to put an inquiry on my file unless I have authorized it. Because of this I initiated several disputes and was told I had to contact the companies directly. After doing so none of the companies responded, so I re-contacted the credit bureau via telephone and In their response, they stated AGAIN if I wanted to dispute things further, I needed to contact the direct company however according to Section 611 of FRCA says you can request the method of verification from the reporting agency and if such agency doesnt have legal validation : documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed on the report, then such reporting agency must delete the file. I also requested the name, address, and telephone number of each person contacted regarding the accuracy of the reporting of the accounts and specified that any automated response or XXXX verification is unacceptable. 

As of XX/XX/XXXX, the bureau is refusing to show proof of validation or to delete the below inquiries, as they dont belong to me. 

XXXX XXXX XXXX other than personal XX/XX/XXXX ;  XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX/XXXX Miscellaneous XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Federal Government XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX Credit Cards XX/XX/XXXX ; XX/XX/XXXX XXXX/XXXX Credit card and travel / entertainment companies XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX-XXXX XXXX, personal XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX Not Elsewhere Classified XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX XXXX - XXXX XXXX Other Collection Agencies XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX All Banks XX/XX/XXXX XXXX XXXX XXXX XXXX All Banks XX/XX/XXXX ; XX/XX/XXXX
I deposited a check through mobile banking whi ch Webster Bank approv ed. Almost a week later they returned the check. I contacted the bank on  X/XX/17    and the representative notified me that the check was returned because they could not read the check even though they approved it. She told me she would reverse all of the bank fees. I cashed the original check and deposited cash. On  X/XX/17   . I received another notification of a fee. I called to have it reversed and the bank refuses to reverse it.
Dear XXXX XXXX XXXX and XXXX XXXX XXXX, I like my Capital One products but there is a personal issue that is partially unresolved. It is partially resolved because Capital One was able to make monetary restitution to a credit card insurance scheme that I was paying. Capital One made misrepresentation of material fact by selling me products that supposed to cover credit card payments if I am unemployed or disable. I am currently having a successful career. However, I went to a very difficult time when I was experiencing hardship by being unemployed and collecting unemployment benefits. During those difficult times, I qualified for benefits as described under the terms of the Capital One benefits agreement. I was being harassed by Capital One on my cell phone to make payments. Some of those collection reps were condescending and rude. Maybe, it was a language barrier problem. They did not want to consider that I have insurance benefits that cover that type of hardship. 

Thank you.
Suntrust allowed a person to complete loan documents and sign a second mortgage against my property and remove {$300000.00} without my consent, knowledge or any authorization to do so. This person along with Suntrust attempted to cover up this deal by attempted to transfer my property solely into the name of the person who signed the loan/mortgage. The mortgage is in the persons name and the Deed is solely in my name. Suntrust refuses to release the loan documents to me after repeated attempts because the loan transaction was complete before the person attempted to transfer the property into his name. The Loan documents were not signed by the deeded owner. They also refuse to release the notes or conversations relating to the business regarding my home. Because I NEVER spoke with them nor solicited their business at any point.
On XXXX XXXX, 2016 I was charged a total of {$680.00} by XXXX car rental agency. My final charge per my rental contract was only {$230.00}. After being unable to reach a resolution with the merchant I contacted my bank for assistance. They have been of very little assistance thus far and have yet to reach a favorable conclusion regarding my overcharges amount.
I personally mailed this letter to Equifax asking for proof of credit inquiries from XXXX, and XXXX and asked specifically for proof of these being accurate and they responded with a form letter in which they did not present any of the information requested. Their " investigation '' that inquiries are a statement of fact have no valid because they never showed proof of them. I have included a copy of the letter mailed to them as well as their response.
Please see prior Case number : XXXX whereby we had problems with PNC and their insurance representatives not knowing what they are doing. I have faxed the appropriate documentation to the insurance fax line and waited for a response. When I did not get a response, I submitted an email to XXXX XXXX from PNC who handled last year 's complaint. As of this date, I have not gotten any response as to why we are continuously harassed about insurance coverage that has remained in effect since the day we purchased the townhouse 10 years ago! On XXXX/XXXX/XXXX we received a letter from PNC that they need our flood insurance info ( of course this was sent by the insurance company but notice the renewal date is XXXX XXXX, so how is it that they are looking to have received a renewal policy and written a letter to me within 24 hours? I of course faxed that info on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX they respond 'thank you. '' On XXXX/XXXX/XXXX I received a nasty gram that PNC is now looking for my condo coverage which I faxed, but also called and spoke with XXXX letting her know that PNC has no need for this policy as they made me buy an XXXX and that policy is in effect until XXXX XXXX. She said the XXXX was n't necessary and even offered to send me a letter to that effect. See letter from PNC dated XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I received yet another letter from PNC contradicting what I was told and said that they will buy insurance as there is no coverage. My insurance company has sent all materials on a timely basis and PNC claims they never get them, I have the wrong coverage, etc. I faxed the material described above and have not heard back from PNC as of this date so there must be a black hole where all PNC mail ends up! In addition, there is not one insurance representative that knows what is going on. Note on each paper the name and extension of the person I spoke to. The only thing I did not ask was whether this representative worked in the FL or OH call centers. We have already cancelled insurance escrow from the last complaint because PNC cant get it right so now what can I do to stop this harassment? I would like the Consumer Financial Bureau to determine what recourse I have against this mortgage company and wish for these complaints to be published as I have already notified our HOA for any other mortgagees that are having the same issue.
No resolution to the following complaint that had been filed. 


LOAN NUMBER : XXXX BLS CASE NUMBER : XXXX REG CASE  NUMBER : XXXX I truly feel hopeless I have been dealing with Bayview Loan Servicing for several months, in hopes of a response to my many settlement requests for a charged off loan. They never gave me a response. Bayview is notorious for mishandling documents. I am not convinced that this regulatory agency are not aware of the many complaints against Bayview Loan Servicing. My question is, why the government have not taken actions against Bayview and its affiliates.
I had went online and put my information into a payday search engine and they will not stop contacting me. They call me at my job and on my cell phone.
I went into my bank to cash a check was notified that my checking account was negative. I asked for statements and a place called XXXX XXXX XXXX had debited my checking account twice without my knowledge. 
The debit card that they got information to somehow was wupposed to be closed a week or two prior by my bank. I found out this day that in fact the bank did not close my card and the company debited it and put my account in the negative. 
I have attempted to call the XXXXXXXX XXXX XXXX for refunds and they state their computers are always down. I even sent emails requesting them not to use my information as i am not sure how they got it.