WillisBack/dataset-financial-user-claim huggingface dataset:
I executed a new Lease agreement XXXX/XXXX/16 with XXXX XXXX XXXX in XXXX, Pa. The loan was placed by the dealer with US Bank XXXX, XXXX. XXXX XXXX, XXXX, WI XXXX. Phone # XXXX XXXX. I received my first " Lease Billing Statement '' from the bank dated XXXX XXXX, 2016, Payment due XX/XX/XXXX16. I then set up a Bill Payer account with my bank, XXXX, here in XXXX, Pa. The check was sent XXXX/XXXX/16 and received by the US Bank N.A. I next received a Lease Billing Statement dated XXXX XXXX, 2016, for XXXX payment. The check was dated XXXX/XXXX/16 and cleared the bank XXXX/XXXX/16. I started getting calls from the US Bank, approximately on XXXX XXXX, 2016, saying that they did n't receive payment and I will be incurring Late Fees if not paid. I checked with the XXXX and the check was stamped on the back " For Deposit Only, US Bank, followed by " Credited to Acct XXXX XXXX, also a Return Acct #. I called the US Bank and gave them the above info and was informed by several individuals that the account numbers mean nothing to them and that I will have to pay a {$30.00} fee for a " Research Request '' for them to locate MY CHECK in their accounts, to which I refused. I called back and spoke to a XXXX who said that no, I do n't have to pay the {$30.00} dollars and she will fill out the request and forward it to their " XXXX Research Dept. '' Also, XXXX faxed a copy of the cancelled check to the US BANK XXXX, at Fax # XXXX XXXX, provided by XXXX XXXX US BANK XXXX I have again received calls from the bank stating that my payment is late and I 'll be incurring late fees and this may affect my credit rating. I 've been pleading with the banks reps to please look up their account # 's on the back of my cancelled check, to which they ALL replied that 's not possible. I did make this payment and am being treated rudely and unfairly by this banking institution, which I have NEVER had in the past. Yesterday, XXXX XXXX, 2016, I called the US Bank, one more time, to discuss the matter and was told they may not be done researching my payment until the XXXX of XXXX. The rep said that they received my copy of the cancelled check, but he could provide no resolution and I should n't be getting any payment request phone calls ( harassment ) for another 5 days. Thank You for any assistance that you can provide. I 've never in my XXXX years received such disrespectful and unprofessional business practices as I 've received from the US Bank.
Affected by Equifax XXXX incident on XXXX XXXX, XXXX according to Equifax potential impact site.
On XX/XX/2018 I notified Equifax of a dispute involving two bankruptcies reporting on my credit report. I requested an investigation and verification of the information in the report. On XX/XX/2018 Equifax submitted the results of their investigation and stated that the matter had been investigated and came back verified. They went on to state that the verification had been performed by way of state, local and federal information obtained through a third party, XXXX XXXX. However, prior to initiating the dispute, I placed a security freeze on all information contained in my XXXX XXXX files. That security freeze became effective on XX/XX/2018. At the time of the investigation and verification, the security freeze was in place and prevented the verification of the public record which Equifax claims to have verified. 
After receiving the verification from Equifax, I contacted XXXX XXXX to inquire whether any request had been made for information in the XXXX XXXX files and if so, who were the recipients of the information. I was informed by XXXX XXXX that as long as the security freeze remained in effect, no information from my files could be dessiminated. Equifax 's assertion that the public records were verified is dishonest.
XXXX XXXX XXXX was discharged in my bankruptcy but as soon as my bankruptcy was completed and closed, I started to receive letters from XXXX XXXX, Account Manager of XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX , MN XXXX, XXXX trying to recover payment ( overnight to XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX , MN XXXX ). XXXX XXXX XXXX , XXXX lists the current creditor as XXXX XXXX XXXX and the original creditor as XXXX XXXX XXXX XXXX. I responded advising that this debt was discharged in bankruptcy via mail. I have tried numerous times to reach the toll free number of XXXX -- XXXX but there is never anyone to answer and the voicemail is full.
XXXX  and Transunion are incorrectly reporting that I am past due on an account that has a {$0.00} balance and {$0.00} past due. This is harming my credit and is obviously impossible to be past due on something that does not have a balance.
I apply for my XXXX credit report annually via XXXX. For the past 3 years I have been unable to access my XXXX Credit Report through XXXX. Per XXXX, it is an XXXX website problem. As there is no telephone number that allows me to speak to a person, I must e-mail XXXX, which I have done numerous times over the past 3 years. To date ( XX/XX/2017 ) no response. I suppose that I could request a credit report by phone through XXXX, however, that seem to defeat the purpose of XXXX. Would you be so kind as to assist with my proble. 

Thank you. 

XXXX XXXX
Bank Of America, has engaged in deceptive and unfair practices in connection with my checking account. BOA, has excessively charged the account overdraft fees causing me hardship. The account overdraft fees are so excessive that i could not pay my creditors due to boa excessive overdraft fees imposed to the account. 

On XX/XX/2017, I was overdrawn by {$1.00} and escalated to {$410.00} in overdraft fess alone. 
If you carefully review the statement, you will find that boa never paid any of this items, instead continue to charge the account overdraft fees since XX/XX/2017, when initially was overdrawn {$1.00}. None of the charges have to do with a check i wrote to anyone, all fees are related to the excessive overcharge. Creditors have been trying to collect and morally i have these funds available, however because the account has been over charge with excessive fees, the funds available to pay my utilities would be comprised by the excessive fees where soon my light company will be terminating my services. 

Boa, has violated Federal Law prohibiting the excessive overcharge fess to the account. I did made the account to be overdrawn in bad faith, the record reveals, that the dispute started over been over drawn {$1.00}. The account was overcharged to the point that did not have enough to pay the {$170.00} and the over charge fees. 

I disputed with boa that was going to file complaint with the CFPB, after that conversation, it appears that they may have lower some of the fees. However the account continues to be excessive overcharged with fees. Boa has cause me hardship and bad standing with my utilities companies. Some of the crediors have suspected my account due to boa overdraft fees. I was subscripted to on line services where the cost monthly are lest than {$10.00} and not even that was able to pay because of boa. These are websites that i use to work and are not able to have access. This situation affecting my wages.
I borrowed XXXX was told my payoff fee total was XXXX which i have paid off and they are still charging me another XXXX dollars. It changes everytime I call them. The woman keeps going back and forth on the phone call. I paid on time and early and they say I owe late fees and charges for another loan I did not commit to as well as finance fees. It is a big scam and sincerely unclear on the rules. Documents keep changing fee amounts.
XXXX XXXX Repeatedly call me when I told him not to. Called on XXXX XXXX 2017 at XXXX XXXX and left voicemail at XXXX XXXX. On the call at XXXX I Told him the I had no information and person they were looking for was not at my number. Told him not to call my number any more. Threaten legal issues with my daughter even though I didnt give information. Said she owed money and he was a process server in XXXX XXXX county with warrant. On second call at XXXX I repeated not to call my number and hung up again. Left voicemail on call at XXXX with threat of going to my daughters work. Told me my daughter had an outstanding debt. Even called company with number left on voicemail XXXX to complain to no avail. Talked to XXXX XXXX then on XXXX XXXX 2017 at XXXX received another call from XXXX XXXX
In XXXX 2016 I was notified by Bank of America , N.A . that the flood insurance on my property in North Carolina had " expired or was canceled '' and XXXX threatened to purchase flood insurance on my behalf. Due a medical family emergency I was away from home and unable to attend to personal matters until recently. I contacted XXXX on XXXX XXXX and XXXX, ahead of their XXXX XXXX, 2016 deadline and offered to email the insurance documentation to them since I did not have fax access from the hospital. I was informed that this would be too late since there was a 10-day processing time - something not mentioned in the notification to me. My XXXX company subsequently faxed the information on the XXXX, but again this will not allow for the processing time, BOA suddenly demanded. This is an annual occurrence with XXXX and while they have held my mortgage for several years, BOA claims annually that the flood insurance has either been discontinued or is insufficient - which is clearly not the case. I own XXXX other properties, however, have never experienced any problems such as I do with BOA. BOA 's predatory lending and insurance practices are simply unacceptable and it is a way for XXXX to essentially enrich their business by " purchasing flood insurance on my behalf ''.
This " company '' has been calling my home for months, using various numbers, leaving messages saying that someone here ( no name provided ) owes money and it's an attempt to collect a debt. They claim to be from RSI Enterprises. My husband and I have made repeated attempts to contact them and have either been put on hold immediately upon answering and left on hold for up to an hour before we hung up or the calls disconnect as soon as answered or they say to leave a message, which we will not because we don't want to fuel the fire. As far as we know, we do not owe anyone money for anything. We have received NO correspondence from anyone stating otherwise. It seems that after nearly a year, we would have been turned over to a collection agency that would provide a letter or it would be put on our credit and nothing of the sort has happened. I would like them to STOP calling me if they have no intention of stating what the matter is or sending me a letter to tell me rather than play games with me.
The above company LVNV Funding , LLC they are trying to collect a debt and are not licensed nor bonded in my state according to state of Florida.
Here 's my complaint : I've tried on multiple occasions to apply payments to specific portions of my loan ( either principle or interest ) with Navient. Navient fails to honor those allocations. Likewise, their " communication '' is almost non-existent. As well, I believe I'm being charged interest increases on sporadic occasions ( seems variable ) as opposed to a truly capitalized accrual. I can't prove any of this because Navient doesn't have a way of viewing or being notified of account changes. Likewise, their on line accounts don't show the actual allocation or payments to principle and interest or reductions to principle and/or interest after payments. It's all very opaque. 

I had {$230.00} of unpaid interest on XX/XX/XXXX for my 1 consolidated loan with Navient. I made an interest only " directed over-payment '' on XX/XX/XXXX of {$33.00} ( to test their allocation method ). I expected to see {$200.00} of paid interest after the payment posted. The payment posted on XX/XX/XXXX and my interest balance was {$200.00}. Where did the {$2.00} go? Or was {$2.00} suddenly added to my account? My loan interest is not variable. If it was there would be thousands of dollars of interest. And daily, variable interest is not part of my loan terms. Did Navient steal {$2.00} from me? Did they apply it to principle without asking and even though I selected, apply overpayment to " loan with highest interest '' ( see pic ).
I settled my account with Portfolio Recovery and it was supposed to be removed from my credit reports per my request and agreement when I made my settlement payment but on all of my credit bureaus it is sill showing a {$0.00} balance and has not been removed. 

XXXX XXXX account should not be in collections. The school was not supposed to send due to making payments to XXXX University as agreed upon with the student financial services department.
On XX/XX/XXXX, I disputed with ATG Credit two items on my XXXX  Credit Report that were sent via certified mail. ATG Credit never replied within the time frame allowed. On XX/XX/XXXX I disputed with ATG Credit again regarding the two items on my XXXX  Credit report, ATG Credit did reply on XX/XX/XXXX, regarding the XXXX, however it was not within the time frame, and there was never a reply regarding the {$610.00}, Either one of these two items were ever verified.
Showing as XXXX collections - XXXX XXXX XXXX, XXXX, and XXXX under XXXX servces - XXXX lending solutions, and XXXX these are not my accounts I asked Transunion to verify they stated they did but it it not possible because I never had accounts with them before.
I mailed dispute letter regarding Bankruptcies that reflected on my credit report. I asked to verify the accounts, I was advised that they did verify through XXXX and the Court systems, this is incorrect. I have security freezes presently on my account so information as such who verified is inaccurate. I have requested to have this reviewed and deleted and the Experian has not done so. I would like to file a complaint against the credit agencies reporting such and stating that XXXX and the court systems as verifiers.
Update to prior complaint, as I have received a written response from Experian. Prior scanned correspondence has been submitted to you regarding this, and additional scans are being provided now. A total of XXXX re-aged alleged missed payments remain on my credit report. My request for copies of my original, signed consumer disclosure statements with documented payment history for these student loans has been ignored. Experian 's response does not even address that I requested written proof of their investigation, as shown in my original handwritten and notarized letter with proof of mailing already submitted to your office. I requested these for the purpose of establishing that debt re-aging had occurred numerous times in my credit file. I requested either written verification and proof of payment history, or in the absence of this, that the accounts be deleted. It is their choice as to which way they preferred to proceed, but completely ignoring what I am legally entitled to request and see was not one of Experian 's options here. However, Experian would have you and I believe the payment history has again been erroneously " verified '' without any written proof of this and that we should all simply take their word for it. This is precisely why I felt compelled to write you once again. Please help to get my credit report corrected so that I can stop being illegally penalized and denied credit as a result of Experian 's failure to keep accurate records.
American Express offered a {$10.00} statement credit if I made a {$50.00} purchase at an XXXX store. I made a purchase totaling {$64.00} at an XXXX store. However, the merchant processed the charge under a XXXX merchant account which was specifically excluded from the offer. I contacted American Express customer service and the agent and the agent 's supervisor both said they were n't able to grant the credit since it was processed at a non-participating merchant. The expectation that the customer is somehow supposed to know that a specific merchant listed on the store front, the company 's website, and the receipt as " XXXX '' will not be eligible for an offer because the merchant processes the transaction under a different name is not reasonable. 

Here was the specific offer language : Details Get a one-time {$10.00} statement credit by using your enrolled Card to spend a minimum of $ XXXX in one or more transactions in-store at XXXX or online at XXXX by XX/XX/2017. See terms for exclusions. View Locations Nearby Terms Offer valid in-store at XXXX in the US/US Territories or online at XXXX. Not valid for giftcards purchased online. Excludes purchases from XXXX locations, XXXX, and XXXX. Offer is non-transferable. Must add offer to Card and use same Card to redeem. Limit 1 statement credit ( s ) per American Express ( R ) online account. Statement credit will appear on your billing statement within 90 days after XX/XX/2017, provided that American Express receives information from the merchant about your qualifying purchase. Note that American Express may not receive information about your qualifying purchase from merchant until all items from your qualifying purchase have been provided/shipped by merchant. Statement credit may be reversed if qualifying purchase is returned/cancelled. If American Express does not receive information that identifies your transaction as qualifying for the offer, you will not receive the statement credit. For example, your transaction will not qualify if it is not made directly with the merchant. In addition, in most cases, you may not receive the statement credit if your transaction is made with an electronic wallet or through a third party or if the merchant uses a mobile or wireless card reader to process it. By adding an offer to a Card, you agree that American Express may send you communications about the offer. POID : XXXX
When I first applied for my first of two loans back in 2011, they ended up talking me into a payment plan that would allow me to repay while in school at a lower rate. Once the grace period ended, my rates went from 4 % to a staggering 9.12 % without any warning. I 've tried numerous times to do an income based plan, or something else but because of the type of loan I have ( The " Smart Student '' Option ), I 'm not allowed to do, or even to do deferment. All I can ever hope for is Forbearance, which makes my rates go up while I try to play catch up. I want to pay back my loans because that 's the right thing to do, but I need them to work with me as well and they clearly do n't care about their customers.
My issue is with American Education Services. I took out several loans to pay for my education at XXXX College in XXXX, NE. The college is now defunct. This company is constantly leading me astray. I 'll call for hardship programs, and representatives will tell me I have time available, only to find out that I did n't. This causes my loans to because delinquent, and the amount to skyrocket. Currently, over the past 6 months, I have had many different representatives tell me different things about the state of my loans. The most important being that paying any amount will keep you out of default. I had XXXX rep. explain that even {$10.00} a month would keep a loan out of default. In XXXX of 2015, I finally spoke to a " Loan Specialist ''. The properly reassured me that there was nothing else they could do to help me, to record all my conversations with loan reps due to their history of being inconsistent, and to write a letter to try and sway my creditors into allowing me financial help. The woman said the letter probably wont help, but it might be worth a shot. She then reassured me that I was n't even near default. A week later, I received calls and letters about default. 

This company also raises the interest rate greatly, and it fluctuates all the time. I 've been paying on my loans for almost ten years, and my amount owed as INCREASED! This company is deceitful, and does n't properly train their employees. There is also no protocol for misinformation/negligence on the behalf of the company. The blame always falls on the person that is paying. At this point, I will probably never be able to pay off this debt in this lifetime.
I was sued in 2003 by Weltman Weinberg & Reis. I was never served any documentation requiring that I appear in court. Resultantly they obtained a default judgement against me. The lawfirm is aware that I was never served and instead of with drawing the judgement they continue to attempt to collect. The case is in the XXXX XXXX XXXX XXXX XXXX, Ohio. Case No. XXXX. Please help me I have exhausted every avenue known to me. I am at a loss with regard to how to successful right this wrong and I am frustrated.
Debt collector NCC Business XXXX has been calling for months. My wife and I are not aware of any past due debts. Having been alerted to this company 's harassing techniques by numerous posts on XXXX, for months I did not answer their calls. Finally I answered and said that we do not have any past due debts, and asked them not to call again. I do not know if anyone was on the other end of the phone to hear and log my request. The calls have continued and I do not answer. Today, XXXX XXXX, 2015, XXXX., I received a call from this number, this time leaving a message. The message said, " We have an important call from NCC. This is a debt collector. Please call ( XXXX ) XXXX. Thank you. '' What I find interesting is that the message is recorded and calls neither me nor my wife by name, nor does it reveal the nature of the debt. From numerous XXXX posts, when others return the call, the representative insists on the caller revealing personal information, including Social Security number, before discussing the nature of the debt. Based on this shady technique, I will not be calling this number because I will not reveal such personal information to what I believe are cold-call debt collectors phishing for information. I have received no letter nor bill from any creditor that indicates either my wife or I are in arrears on any debt. I consider these calls to be phishing and harassing and ask that you help me put an end to these calls.
XXXX XXXX XXXX XXXX. I'm the one who made currenty correction. If the twe countrys. I could name them an tell long it took me to do.date tI 'm everything. I even got prove. An my two old cell phones got stolen. That's how an also my mail. No court date came in. My emails got hack also XXXX XXXX. I need my life back I feel like this money could leave to my family being hurt. I need to do this fast please. An get out of town before bad thing happen.are happen. An I know Google an XXXX are in on it. Sorry do late better late then never.
XXXX is being reported as part of my CHP XXXX bankruptcy. It was a new account and less than XXXX XXXX old prior to filing. It is illegal to include new accounts to bankruptcy. I am on time and never late. This is being reported inaccurately.
I had 2 collection accounts at all 3 credit bureaus. According to Colorado XXXX XXXX XXXX XXXX I can not be billed for medicaid services. That means that I can not be placed for collection for this. XXXX  and XXXX  have alrdeady argeed that the collection accounts were unlawful and deleted them. XXXX XXXX deleted only debt of {$210.00}, but another one of {$150.00} is still there. 
The documents regarding this problem were sent to original creditor, collection agency and all 3 credit bureaus 2 month ago. 
I opened the dispute with XXXX XXXX 2 times. only one Item was deleted and they don't want do anything with the 2 second item. 
I never received ANY answer from collection agency. I sent them documents 2 times, last time they received it XX/XX/2018. ( usps conformation included )
XXXX XXXX XXXX has been reporting the same XXXX on my account for years now they have at this point duplicated the account for the exact same amount they have refused to response any of my letters as well as a TransUnion dispute and and Equifax dispute they have completely just went rogue and duplicate the same account on my credit reports for all the bureaus.
Please remove closed credit card accounts I have tried to have them remove the old charge off accounts or closed accounts that are over 7 years old and nothing has been done all old accounts that are no longer active and are over 7 years old should be removed immediately thank you