WillisBack/dataset-financial-user-claim huggingface dataset:
Opened new account in XX/XX/XXXX, deposited XXXX, withdrew XXXX, the next day there was a hold on the remaining XXXX, when asked, I was told my account was closed, no one would tell me why, I moved from the address I gave them, when I called they kept insisting on mailing the balance to this address, well I was told they did and the check was sent back to them, then I was told they would send the check to the bank, this never happened It's been like 3 months and I still haven't got my money
I have a mortgage that is interest only, I've requested a mortgage modification and faxed financials per my mortgage company request. The refuse to fix my interest rate and change my loan from and interest only loan. I have had a wage reduction and I don't want to loose my home
I want to file a complaint against Equifax for allowing hackers to steal my data. The CFPB better be investigating them!
I've received numerous letters from XXXX XXXX XXXX, XXXX. I have no contractual agreements with XXXX XXXX XXXX XXXX. I've required LOANCARE, under the burden of proof, to show where we had a contract, or show where they have given me or my estate, XXXX XXXX, Estate, XXXX XXXX and they never responded. I suspected fraud. LOANCARE is now represented by XXXX XXXX, who is now attempting to collect a debt on behalf of XXXX XXXX XXXX XXXX. I DO NOT TO OWE ANY ANYTHING TO XXXX XXXX XXXX XXXXXXXX, NOR DO I OWE ANYTHING TO XXXX XXXX. All of this attempting fraudulent claims against XXXX XXXX is against my will and consent.
I had a car loan with First Niagara. The loan was on autopay, which I cancelled when I moved bank accounts to consolidate with my fiancee. KeyBank acquired First Niagara, then withdrew the loan payment off the autopay ( despite it having been cancelled ) because their system did n't recognize it. I got an overdraft fee, which the bank refuses to pay. 
I then paid off the entire loan, however their system did n't include the already made payment, leaving an overpayment. The title was sent to an address I have n't lived at in years and had been changed, then check was sent to another old address I do n't live at and have n't in some time. I called to get a new check, the person helping promised it would be sent. It never was. I called again, the new person said the last just never did it, and then they promised to have it sent 2 day delivery. Two weeks later, I received a notice that I need to fill out a notarized form cancelling the first check. Hiring a notary in XXXX costs $ XXXX- {$50.00}. They wo n't pay for that ( despite this being their error ... again ... and again ). This is not a huge sum of money, but every single person I 've spoken to has lied to me. They told me a check was coming, it was n't. I only got the car title back because a person somehow found me on facebook to let me know they 'd gotten it. 
I am going through their process and will do this form, and pay the notary and send it in. I hope this time they 'll send a new check. Since they 've lied to me 5 of the last 5 times, I 'm not optimistic and am shocked and infuriated at how this has been handled. It all stems from their IT systems not integrating and I have done absolutely nothing wrong but still get stuck with fees for their incompetence.
I am XXXX  and I opened my account in the bank of america in XX/XX/XXXX, I left my account practically without movement until the day XX/XX/XXXX when I made sale of assets for two different American people and I received in my account my sale, following the procedures transfer of the bank ( via XXXX ) secure payment system with which the receipt is made by the depositor and the receipt by email your confirmation of deposit to be released to the creditor, in this case I received within the existing banking system and confirmed in account, on XX/XX/XXXX I received the misfortune of my account being blocked, I called several times and with no one to solve my situation and only say that it is analize about ( fraud ), after spending a few more days with different information and disagreed on XX/XX/XXXX say that my account was going to be closed, I requested my money with which the value I have taken into account XXXX dollars and I was informed that they do not have XXXX money!!! how can a bank that we open account to take care of our patrimony and comes to his client withdrawing his funds his access to what is his right and retains his funds!!! I have never had a problem at this level in my country or any other bank I have spent, I need my money I am a good citizen, I am being robbed, feeling disquieted and humiliated by this institution, I request that you intervene in this company to receive my funds. If you have a problem in my receipts this problem is in the bank system I can not be penalized for a failure ( if there was ) that I'm sure did not have, but if there was this problem is the bank and not mine
on XX/XX/XXXX I took out a loan with XXXX XXXX XXXX XXXX and paid a payment in XX/XX/XXXX but could n't make another. It was put into collections and I called and asked if I paid off settlement amount would the negative item be removed from my credit report and they said yes no problem. So I made a settlement amount and it is still listed on my report which I have done several disputes and called them to get it removed and every time I call they say a different story from yes it will be taken off but give it 60 days. That did n't happen and then called again and was told they do n't do that. I have fought with this creditor and credit bureaus and gotten no where. This account was paid and I only did that after I was told it would be removed. I have nothing else I can do and I am tired of fighting this is my last option. The payment status says paid in full but I want it removed like they told me to get the payment
I have received all credit agency credit report in XX/XX/XXXX. I started to send letters to begin the disputing process upon the inaccurate information. Nothing happened, so on XX/XX/XXXX I started to make phone calls to each bureaus, I realized that there were addresses that did not belong to me. As like, XXXX XXXX XXXX, XXXX, Florida XXXX is one of them. I have disputed these with all three, Equifax, XXXX, and XXXX. Added a Fraud Alert on each credit bureaus account. 

As of XX/XX/XXXX The address was removed from all three credit bureaus either by a phone call or by a letter. 

XX/XX/XXXX I reviewed my credit report and realized this address XXXX XXXX XXXX, XXXX, Florida XXXX has reappeared on my credit report. i did not receive any notification as to why this address re-appeared on my credit. 

I have attached proof of notation of removal or the report is shown the address is removed.
During my purchase of my home in 2017 I had a collection from XXXX XXXX from XX/XX/XXXX Acct # XXXX I paid it in full and received a letter from Commercial Trade INC stating it was paid and removed, shortly after CTB added a new account from XXXX XXXX effective XX/XX/2017 a month after I paid my account. The new amount is for {$1500.00} stating I owe more. I have proof on my credit reports and the letter that I never owed CTB or XXXX XXXX  this amount and that my collections from them was paid and removed. I tried to talk to CTB several times they have belittled my requests and hung up on me.
Convergent Outsourcing reporting on my credit report from an old  XXXX  cell phone bill. This collection was previously deleted from my credit report due to debt that could not be validated and disputed charges and fees.  XXXX  has put this previously deleted debt back on my credit report. I do not owe this balance. This is unfair reporting and requesting this collection to be deleted immediately.
Since XXXX of 2016 Nationstar Mortgage has posted payments at their will with no particular pattern at times to the regular payment then at times to the principal. This type of posting gives the appearance that I am missing payments. Then they even charge late fees.
This is a never ending dispute with hours on the phone with Nationstar saying they 've corrected the issues and made the appropriate adjustments to the Loan.
They constantly harass me for missed payments which solely lies in their accounting and servicing of my loan.
I have a monthly automatic payment on the XXXX of every month from my checking account with XXXX to my Capital One Quicksilver credit card for {$390.00} dollars. After logging into my Capital One account this month in XXXX, I noticed my payment had not posted but with XXXX it clearly showed as payment sent. I contacted Capital One several times to no avail. With the issue unresolved with Capital One, I contacted XXXX who provided the ACH trace number. I asked XXXX to conference in Capital One and they did. Capital One denied receiving the payment while XXXX swears they sent it. XXXX representative provided several numbers to Capital One who still denied receiving it. Capital One finally agreed to conduct an investigation on the issue. XXXX refused to provide the proof of the ACH trace number in writing. A few days later I contacted Capital One for a status update and an account manager stated they are back logged and it may take 2-3 billing cycles to fully investigate the issue. I asked them if I would pay interest on the {$390.00} as I like to pay the statement balance every month and Capital One said yes I will have to pay interest on any amount of the last statement balance left unpaid carried over to the next cycle. I informed the customer service agent with Capital One that the trace number, according to XXXX, is as good as a receipt but the agent refused to honor it and said I will have to pay interest.
Sometime during XXXX-XXXX 2017, Equifax allowed a security breach that involved my SSN, address, DOB, phone number, and possibly other private information. I was only made aware of this breach several months later and was not actively sought out to inform of my information being compromised. 

According to credit reports, I have not been negatively impacted by the breach yet.
In   XXXX   XXXX   XXXX     mariner finance sent me a check that I could deposit and would be a loan. At the time my son was in the middle of a divorce and needed money so I borrowed it and he was supposed to pay it.     I gave him all the information and he was supposed to pay it. I found out he had n't paid it as promised so I tried to call them to get the information I needed to make payments on line. I am  XXXX  so getting to the store was n't an option. I called and left detailed messages no less than  XXXX  times without a single return call.     they filed suit in  XXXX , in the suit they put down an amount higher than the principal I had borrowed, and when I paid it off they had the whole balance listed as principal, when I asked how the balance was broken down they would n't tell me. I have no idea what I paid or if they compounded interest. I also noticed they collected more than what they filed suit for and I never got a square answer about that, they just said do n't pay it and deal with out lawyer and the court. very unprofessional.
I have disputed the medical bill on the basis that I have contacted the original creditor, XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ) to confirm information reported on my credit file for Equifax, and the original creditor confirmed by way of phone contact that I never had such account with their office. As such, XXXX XXXX has never attempted to collect any debt, nor referred any account for collection to XXXX XXXX XXXX. 

I have contacted XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, MO XXXX ) by way of phone at a later date and was informed that an error had been made when I was previously advised that I never had such account with their office and that such account does exist, but the matter will be further researched. I requested a written notice containing : ( 1 ) the amount of the debt ; ( 2 ) the name and address of the creditor to whom the debt is owed ; ( 3 ) confirmation of their receipt of my dispute regarding the validity of the debt, or any portion thereof ( 4 ) verification of the debt or a copy of a judgment and a copy of such verification or judgment ; and ( 5 ) the name and address of the original creditor, if different from the current creditor. 

Despite my repeated requests, at this date, XX/XX/2018, the original creditor has not provided verification of the debt or responded to any of my verbal and written requests regarding the validity of the debt. In fact, I have advised the original creditor, XXXX XXXX ( affiliate of XXXX XXXX XXXX Hospital ) and the collection agency ( XXXX XXXX ) of the lien waiver document pertaining to XXXX XXXX XXXX Hospital, and the original creditor and collection agency will not acknowledge the lien waiver. Furthermore, Equifax has acknowledged that my credit report does not provide the address of the original creditor, and not providing the original creditor 's address has caused undue hardship in that I have made futile attempts to contact the original creditor.
XXXX XXXX XXXX is it 's not my address can you please remove it
I tried to log into my Coinbase account after getting a new phone, same account, same XXXX authenticator, same everything. 

Can not get into my account. Have not received a response or resolution from Coinbases account recovery system. Nothing. 

Give me access to my account, I have uploaded my drivers license, all of my info. I wish to no longer do business with your company once I gain access to my funds.
In the past XXXX months, I had signed up for a CITIGOLD Checking account through a promotion where I was to receive XXXX Thank You points from CITI by XX/XX/XXXX. This promotion was under promotion code : XXXX. The promotion required me to meet some basic requirements, which I clearly did and this was confirmed on multiple occasions by CITI Gold phone representatives. The promotion was confirmed on multiple occasions over the phone. In addition, my wife XXXX XXXX also applied for the same Gold checking account and the same promotion. She has received her points. 

In addition, I was clearly told that this account had XXXX monthly fees. I was told there was no minimum balance requirements etc ... no monthly fees at all. 

Now Citibank is telling me I did not sign up for the promotion and I just noted that they have charged me {$30.00} for the last three months, totaling {$90.00}!!! 

This is fraud and is not correct. I have been a Long time CITIBANK customer and this is flat out wrong. This needs immediate correcting.
XXXX/XXXX/08 I went to the clinic for stitches. I asked if they accepted XXXX XXXX and was told they did.XXXX XXXX XXXX paid them {$190.00} on XXXX/XXXX/08. I paid them the {$21.00} which was my obligation. When they billed me {$190.00} I contacted my insurance co. and they sent a letter to XXXX XXXX telling him he had been paid the negotiated fee he had agreed to in his participation agreement. He then turned it over to ARS ; I sent them letters and a copy of the explanation XXXX XXXX XXXX had sent to XXXX XXXX and me but it was never removed.
Sent dispute of account to the credit bureau. They claim they investigated and it was verified even after I had received communication from XXXX that they were ceasing collection and would notify the bureaus to remove the account ( s ). I faxed the CB a request to remove with a copy of the letter from XXXX. The account ( s ) are still showing on my credit report.
In XX/XX/2018 i received a court paper-A SUMMONS from XXXX XXXX XXXX by way of Forster & Garbus LLP ATTY FOR PLTF. Stating i owe {$2200.00} for a pass debt. I do not even know this XXXX XXXX company so there for i do not believe i owe them any money have never spoken to anyone at that company have no contract with that company and would like for XXXX XXXX as well as Foster & Garbus to stop sending me courts papers, summons, collection paper. All mail to cease. 

Thank You
XXXX XXXX XXXX purchased my debt from Capital One in the amount of {$300.00}. The amount that XXXX XXXX XXXX is charging me is {$450.00}. XXXX and I agreed to settle at {$350.00} ( more than I needed to pay ) and I paid it. They cashed a check with an agreement letter attached that states, " Only cash if you agree to delete account permanently from credit reports ''. Since calling to follow up with XXXX they have told me that there is still a balance of {$100.00}, which is completely absurd. This is totally inaccurate reporting and it 's deceitful, not to mention they cashed a check on an implied agreement.
Bank of America allowed XXXX withdraws from a XXXX credit card account from my checking account. {$12000.00} taken between XXXX XXXX and XXXX XXXX XXXX all of the payments where sent through a XXXX credit card EPAY system and all were +/- {$2000.00} amounts. 
This is a clear violation of several laws Title III : International Money Laundering Abatement and Financial Anti-Terrorism Act of 2001 - Bank Secrecy Act - PART 353 -- SUSPICIOUS ACTIVITY REPORTS 12 U.S.C. 1818, 1819 ; 31 U.S.C. 5318.
My husband and I boh have an account with Wells Fargo as well as our joint account. My husbands account became over drawn on XXXX XXXX. On XXXX XXXX Wells Fargo exercised their 'right to off set ' by withdrawing the overdrawn money from our joint account to cover the beg balance in his personal account. ( I understand this and I 'm fine with this ) the problem is that at this time our joint account did not have enough funds to cover this it actually only had {$20.00} in it but they still took {$240.00} out, overdrawing the account. That transaction posted immediately and now they want to charge my overdraft fees for the transaction that are pending BUT was made while I actually had money on the account. It seems to me that the right to offset should actually serve the purpose of off setand by making XXXX account t posit XXXX only to make another negative so you can then charge more fees seems illigal to me. 
Please help
This is m y 2nd complaint about this and nothing was done the 1st  time. I am including the copies of my letters as well as the proof from my credit report. This complaint is against all  XXXX  bureaus for different reasons, which are listed below. My identification is attached as well.      Secti  on ( 609 ) Rules of Reporting : Section ( 609 ) of the FCRA is a Consumers Disclosure section which is to provide for the prot ection of consumers against false and erroneous reporting. This section of the FCRA places the burden upon the credit bureaus and the creditors to prove an account is mine. To positively prove an account is mine, the creditor must provide the credit bureau a copy of the original creditors documentation ( whatever I filled out and signed upon opening the account with the reporting creditor ).     The FCRA was enacte d by Congress to pr otect consumers from unverifiable accounts and information from being reported on my credit report. Without documentation, the credit bureaus have NO right to list my personal financial information on my credit report. The credit bureaus are required by law to verify and validate every single account on my report.     Experian : they are reporting the wrong filing date - this was not filed on the  XXXX  of the month. They are also not reporting the accurate name of the court.       XXXX   : They are reporting a filing date that does n't belong to this CENTURY! See my credit report attached. The docket # is incomplete. The court name is inaccurate, incomplete as well as does not include the city or state. They  have " A '' for t he liability amount.       XXXX   : Wrong date filed. Was NOT the  XXXX . Incomplete docket #. Not reporting city and state for the court. No liability listed.     I 've already gotten my attorney involved and have made complaints individually against the bureaus with the attorney general for this matter. They are required to go beyond the original source of info to make sure that what they 're reporting is accurate. They have n't done that. They 're required to physically possess the documentation to verify their reporting is correct and sectio n 609 pro tects me against this reporting.     See proof attached.
XXXX XXXX pulling my credit XXXX XXXX XXXX transunion and XXXX   having isssue removing my fraud alert with all 3 's XXXX, transunion, and XXXX  ftc law was put in place to have this done in 1 hour of the request read ftc guidelines XX/XX/XXXX XX/XX/XXXX
Several times I contacted Experian, XXXX and Equifax formally disputing a debt listed on my credit report from Convergent Outsourcing Inc. Each XXXX listed above insist that XXXX XXXX  contacted them to verify said debt as valid and Convergent continues to report said debt. 

I 've requested validation, varifiable proof, contract and signature for said debt as I do not owe this company, never had a contract with them and do not owe who they claim to be the original creditor. 
Dates and tracking numbers for my letters below : XXXX/XXXX/XXXX XXXX disputed online- Equifax XXXX XXXX/XXXX/XXXX XXXX ( Experian XXXX XXXX/XXXX/XXXX XXXX ( Equifax XXXX XXXX/XXXX/XXXX XXXX ( transUnion XXXX XXXX/XXXX/XXXX ( online dispute- Equifax XXXX
I wrote a check ( # XXXX ) for {$330.00} to Ask XXXX XXXX, XXXX, on XXXX XXXX, 2015 from my checking account with XXXX XXXX XXXX, which is based in Massachusetts. There was a delay in cashing the check and it was returned due to insufficient funds on XXXX XXXX, 2015. On XXXX XXXX, 2015, the check was redeposited and a returned check fee of {$50.00} was debited from my checking account. This was done by a collection agency associated with Citizens Bank. In addition to this fee, my bank charged me a return check fee of {$15.00} and Citizens Bank charged Ask XXXX XXXX {$20.00} as a returned check fee. That is a total of {$85.00} I paid for XXXX check returned due to insufficient funds. The check cleared when it was redeposited by the collection agency on XXXX/XXXX/2015 and the person I wrote the check to did not receive the funds into his bank account at Citizens Bank for more that XXXX days. He tried speaking with customer service at Citizens Bank yesterday, XXXX/XXXX/2015 and received no satisfaction. He reported that he was closing that bank account due to his frustrations.
I've sent multiple certified letters to remove Multiply inaccuracy on my credit report. It's getting quite frustrating and taking a toll on my emotional state of mind.

XXXX XXXX  account is Fraud account XXXX XXXX XXXX  is mine debt
Received call from XXXX XXXX with XXXX, XXXX and XXXX at XXXX stating I owed money from an old account with XXXX this is over 8 years old. Threatened to serve me a summons at home and work and offered a " settlement amount ''. Were very threatening and caused fear that this was a legitimate debt. The debt does not show on my credit report and they could not provide anything other than a letter stating I owed this money. Called twice from a private and unknown number stating I had been told.
I have been notified by XXXX XXXX XXXX that my balance is being provided to all major credit bureaus but the account balance is not being updated. I have not been able to pay on this account due to inaccurate balancing updates. I have attached documentation that the balance should be {$960.00} so that I can begin letting my credit union make payments as they did on my behalf. But I find it unfair to do this and the credit bureaus are not doing their part to update the balance. XXXX XXXX XXXX said it was fine to have the credit union mail payments to the original creditor as which would notify them of the payments received as which, XXXX would then in return notify the credit bureaus. There are old debt ( not that I am admitting to these debts ) that has exceeded the time limit but yet displayed on my credit file. For example, XXXX XXXX XXXX expired XXXX 2016 but still displaying on all credit files. Whenever I disputed a debt, I always said " it 's not my debt '' because of the laws to restart the count, but the credit bureaus restarted the counts ( review my credit files, you will see ). I also disputed the " suffix '' on my name with Experian in Report Number : XXXX because I am not a male and never had " XXXX '' on my name. This is yet to be corrected because I have not received an updated report to reflect this. See attached that reflects this name.