WillisBack/dataset-financial-user-claim huggingface dataset:
By XX/XX/2018 - I paid Bank of America VISA card approximately {$25000.00} to bring the balance to a negative - {$210.00}. 

I not only paid the card off in full, I overpaid by over {$200.00}, and they owed me money! 

My limit on the card was approximately {$39000.00} - and I held the card for almost 20 year, with consistent payments. 

The same week I paid several other credit cards down by approximately {$20000.00}. These payments caused my credit score to go up. 

On XX/XX/2018 - AFTER this BOA card was paid down to - {$210.00}, I phoned to ask about balance transfers. I told the agent, XXXX, I did not want to formally apply for a transfer, I was just getting information to make a decision the future. He said I could call back when I decided. 

Yet, on XX/XX/XXXX BOA closed my Visa card, stating balance was " too high. '' It was not " too high, '' it was negative - {$210.00}. 

In addition, I had another recent problem with BOA. An agent on the phone had set my Autopay up several months ago. But, the auto pay was set incorrectly, so one month it was {$14.00} short. I did not know it was {$14.00} short, so then that little {$14.00} short, became 30 days late. 

I called BOA on XX/XX/18 and the rep XXXX was rescinded the 30 day late notice to credit bureaus and credited the late fee. Her BOA submission number XXXX and was approved on XX/XX/18. But, I had to wait 2 billing cycles for this BOA error of autopay to clear off of my credit score, and therefore suffered, due to BOA 's error. 

In addition, since I am publishing this to other readers, when my purse was stolen, BOA was the only credit card customer service I could not get on phone to report the theft. They did not care, and every time I called, the wait was almost an hour, just to report a stolen card. 

In summary - the action I demand - is that BOA reopen my account, so my credit score is not impacted negatively. I do not want my credit report to state that BOA  closed my account for a " too high '' balance. I can prove the account was XXXX on the day they closed it. I want to close this account " at customer 's request, '' and have all BOA 's false and negative reporting about my " too high '' balance scrubbed from my credit report. 

they also have not sent my credit balance of - {$210.00} back to me, and I have called several times.
paid for three bureau report and didn't receive the reports but was charged XXXX and the site gave me an error and still charge me would like a refund.
Loan began XX/XX/XXXX. Prior servicer encountered no difficulty in receiving/recording payments. Commencing XX/XX/XXXX payment due date Account Statement indicates an amount due of {$270.00}. This amount was paid on or about XX/XX/XXXX. Late on XX/XX/XXXX an agent called to say that the wrong amount was billed on the statement and an additional amount was due immediately of {$1500.00} ( paid by phone ) to avoid being reported to the credit reporting agencies. Subsequent payments were made in the required amount due XX/XX/XXXX through XX/XX/XXXX. With the XX/XX/XXXX and XX/XX/XXXX statements Company indicates we are 6 months past due. No explanation given. Our credit reports indicate late and past due payments. Our credit is ruined and we are unable to get any kind of new credit or obtain a mortgage to purchase a home. We are unable to obtain/afford an attorney to help us with this matter. The situation has gone on now for almost one year and we have been unable to achieve any resolution with the Company. XXXX has opened an escalated investigation into this matter and thus far their efforts with Company have been unproductive. XXXX is getting the same treatment we are and getting no/minimal cooperation from the Company. Complete and verified electronic payment records have been submitted to the Company and XXXX, and are attached as scanned documents here. We have complete bank statements from the initiation of servicing by Company to further verify all payments have been made. It has been reported that this servicer has bilked XXXX out of XXXX XXXX dollars as has been revealed in a recently unsealed law suit by the Federal XXXX XXXX XXXX District Court.
See STATEMENT attached.
Amount owe was XXXX but they lied about the amount owed i paid them off in the amount of XXXX and they still wont take this account off my credit report or put it in good standing i really just want it removed
The account of XXXX XXXXXXXX XXXX account # XXXX has not been validated. I have asked XXXX XXXX and XXXX also XXXX XXXX XXXX to provide me proof of this debt bearing my signature and all i receive is a a letter from the credit reporting agencies saying that its accruate and then a itemized list of charges from XXXX XXXX. What is that? that doesnt tell me anything? .. By law i am allowed to asked for this information and it is to be provided. I have written letters and nothing is getting done. I wrote a letter on XXXX XXXX i wrote XXXX XXXX and they sent me and itmeized list of charges. look at the attached credit reports from bureaus. they are all different and reporting inaccrurately and violates my consumers rights to have accurate information on my credit reports be 100 verifable at all times FCRA. 

account is charged off -- XXXX co date XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX and how is there a usage on a closed charged off account? it cant be past due ... dofd is not accurate on all 3 bureaus. 
2 bureaus dont have no high balances reported etc
Diversified Consultant Account Settled For Less Than The Full Amount This Company Promised To Report And Remove It From All Credit Files But Its Still Showing Up On My XXXX Credit File
On the date of XXXX XXXX, 2016 I contacted Commonwealth Financial Services to potentially pay off a debt. After talking with a lady who told me her name was XXXX XXXX we came to an agreement on XXXX seperate debts. I agreed to this only if the " Commonwealth Financial Services '' were to email verification that the amount I was paying off was in writing. She emailed me XXXX verifications. I in return paid {$100.00} to settle a {$150.00} debt, and {$170.00} to settle a {$270.00} debt, afterwards she stated I would recieve a deletion letter. I never recieved that letter and ive called them several times. Everytime i call they tell me that they are still going to send it to me and for me to " just wait 5 min. '' Now when i call them i tell them what my name is and they hang up on me.
I am eligible for student loan forgiveness because I am a XXXX XXXX XXXX working in an impoverished school district. 
However, I keep getting denied.
In XX/XX/2015 I attempted to purchase a Time Share from XXXX XXXX in XXXX XXXX. My husband and I traded in our time share to XXXX XXXX for a XXXX trade in price. I started to get bills from our ( thought traded time share XXXX XXXX ) we found the time share had not been in fact purchased By XXXX XXXX and that we still owned the one we thought we traded. We were told the developer at XXXX XXXX was not able to purchase our time share because of inventory issues. Shortly after we stopped paying maintenance fees on the new time share because we don't own it. I received a call from from XXXX XXXX a collection company in California ( who has assumed our debt ) telling us that we did not have an agreement for a trade and that we owe for both time shares. XXXX is in California and XXXX XXXX is in XXXX. Out attorney sent XXXX and XXXX XXXX a cease and desist letter. We then had our attorney file on our behalf a letter asking XXXX XXXX to remove it from my credit report since we were in litigation. I submitted three disputes and they came back with a response that the collection " had been verified '' I attempted to submit a letter to the credit bureau and it will not allow me to dispute the issue as it states I have submitted a dispute in 120 time frame. I explained to Trans Union it is  severely damaging my credit. They refuse to remove it. XXXX XXXX only called me once and immediately put me in collections. Their practices are unlawful and I reserve the right a consumer to have fair reporting. They are not reporting it honestly, it affected my car rate and it is affecting my credit reporting score.
Even after I made a partial payment they immediately continued calling me every 30 minutes starting at XXXX until XXXX. While I am still making my weekly payments I just missed one payment but continued the rest and they wo n't stop calling me.I am still paying them every two weeks. Then when I do contact them they are n't willing to help. They say that they ca n't reach me well pretty soon they are going to get me fired from my job.
i have been with this company i realy loved their customer service until i feel on hard times they keep reporting me we sent them hardship letters to no avail
Opened my account in XX/XX/2016 to make a purchase that i was told was under the special promo where i do n't have to pay interest for 6 months. Before the purchase I spoke to walmart employee and then XXXX different customer support agents on the phone and was told that everything should be fine. My XX/XX/XXXX statement included an interest charge. I called customer service back and was told i was not a part of the promo because i did not qualify but would not give me a reason why. They gave me no solution and basically said i would have to pay interest going forward. I then paid off my entire account and cancelled my card because i was so upset.
I have tried multiple times to have XXXX investigate this account as the information they are reporting is not accurate. I was denied a mortgage loan last week specifically because of XXXX reporting. 
In an update last week ( XXXX XXXX, XXXX ) XXXX reported on XXXX XXXX 's file to Equifax that we were late in XX/XX/XXXX. THE ACCOUNT WAS CLOSED IN XX/XX/XXXX so this is not possible. 
XXXX reporting XXXX Account number, incorrect high credit, and incorrect date of first delinquency. I have attached the original settlement statement that has an account number on it that does not match the account number of what is reporting. I have attached a settlement statement that shows that when we paid off the mortgage in XX/XX/XXXX we paid {$270.00}, XXXX and not {$230000.00}. I am also attaching an example of how the account reported inaccurately over the years and re-aged the account in order to extend the date of first delinquency. 
XXXX also did not respond to INVESTIGATION REQUEST : On XXXX XXXX, XXXX we certified a letter to XXXX through USPS and also faxed a letter requesting an investigation and requesting proof. ( see attached proof that shows the fax was received on XXXX XXXX and the certified letter on XXXX XXXX ) They acknowledged they received the request but did not provide any information. ( see attached ) I am a resident of Texas. According to Texas Finance Code, XXXX must provide information within 30 days. The deadline for XXXX to respond was XXXX XXXX, XXXX. 
By failing to respond to our investigation request within the allotted timeframe as is set forth by Texas Finance Code, XXXX has confirmed that the information they are reporting is inaccurate and they should immediately delete the trade line.
On XXXX XXXX, I placed an order at Walmart.com using my fairly new Walmart credit card, issued by GE Money Bank. Weeks later, the order had not been processed, so when I inquired, a rep said the order was n't processed, and I 'd be issued a refund. I never got any confirmation, and after several more communications during which I was assured the incident would be " escalated, '' no further communication has taken place on the part of Walmart, and no refund has been issued. The charge continues to accrue interest on my account, and I have received no products, after nearly a month. The lack of communication and ability to process orders and refunds on Walmart 's part is appalling. The incident number is XXXX. Please advise on how to proceed before my credit becomes damaged my their ineptitude. Also, please note that Walmart has never once issued me any statement -- electronic or otherwise -- even after I asked in person on the phone for PAPER billing. Not a word. It appears that Walmart is neglecting to bill people, hoping that they forget to pay their bills, in order to rack up late fees and interest. That is inexcusable. Thank you greatly.
Hello Sir/Madam I am writing concerning a pressing concern in my credit files that I would like to have revised. I received my EQUIFAX, XXXX, and XXXX credit reports. My credit reports are reflecting LATE PAYMENTS on my student loans which are incorrect and affecting my credit negatively which is keeping me from obtaining credit. I took pride in the fact that all my accounts were always in a positive status. The LOANS ARE PAID AND CLOSED BUT STILL REFLECT NEGATIVELY on my credit reports. My student loans were in forbearance and when XXXX and XXXX XXXX split my loans defaulted. I am at my whits end with this. XXXX XXXX ADMITED THE ERROR ON THEIR PART BUT XXXX REFUSED TO BUY BACK THE LOANS FROM XXXX XXXX. 

I am the sole provider for my family and this has left us in an unfavorable position financially. I am about to begin the process of purchasing a new home, and it has come to my attention that the late notation from XXXX XXXX is keeping me from being able to get approved for a home. Since that notation does not reflect correctly with bureaus I am requesting that you please update all 3 credit bureaus EQUIFAX, XXXX, and XXXX to reflect NO LATE PAYMENTS OR REMOVE THE ACCOUNTS FROM MY CREDIT FILES. I HAVE 30 ACCOUNTS REPORTING NEGATIVE!!! THE ACCOUNTS ARE PAID AND CLOSED. I would like this done most expeditiously. I HAVE FILED A COMPLAINT WITH THE CFPB AND XXXX IS STILL GIVING FALSE INFORMATION. I NEVER SIGNED ANY CONTRACT WITH XXXX!!!! MY LOANS WERE UNDER XXXX XXXX!!!!! 

Unfortunately I can not get into my XXXX XXXX account but I have enclosed a screenshot of the deferment request that was sent to me from XXXX XXXX. 
I thank you again for the time you have spent reading this correspondence. I hope to communicate with you soon
A hopital medical bill came to my address attention to me from someone who used my address when he got into an auto hit and run accident. After his release from hospital Ive been receiving the bill continously for several months despite my sending a letter informing them that the bill is not mine and he does not live at my residence nor I am his guardian. I do not even know the person. The bill is not mine. I am not the patient. For several months I am still getting the bill and now from a collection agency despite my numerous times of communicating with the hospital that the bill is not mine and I have no information regarding the whereabouts of this person. They are using my name and collecting from me on a bill that was never mine for someone whom I do know nor I have any relation.
My mortgage company BBVA made an unauthorized payment from my escrow account of {$1200.00}. They stated this was payment for XXXX XXXX XXXX   charge however we do not use city of XXXX XXXX. We use a private sanitation service. Although we have called them previously to apprise them of this fact ( Ref #  XXXX ), and they assured us they would not make this payment, they ultimately disbursed this money on XX/XX/2018. There is no bill supporting this charge and despite repeated calls there has been no action on the part of BBVA. Most importantly, no sanitation bill exists from City of XXXX for this amount ( or any amount since we do not use city sanitation ).
I am a victim of the Equifax breach. For XXXX months between XXXX and XXXX Equifax 's failed to secure my personal identifiable information, and that of XXXX XXXX other Americans. 

I never consented to Equifax mining my personal life to build a file on my behavior they could then sell to others at a profit. I never consented to Equifax inadvertently releasing that information to those who intend to misuse it. I certainly never consented to Equifax waiting several months to alert me of this grave security threat until the time was best for them. 

I certainly did not consent to Equifax adding insult to my injury by pressuring me into signing up for a XXXX XXXX service ( run by the same company who failed spectacularly to safeguard my information in the first place ) simply for the privilege of learning if they had failed to protect me.
Regarding Santander Bank ( XXXX, NJ Branch ) On XX/XX/XXXX, my father ( the account owner ) XXXX. On XX/XX/XXXX I notified the bank of his passing, settled his $ XXXX total negative balance, bringing it to XXXX, requested to close the account. The account was not closed. Instead, the bank closed my mother 's savings account, which she was receiving her Social Security check direct deposited. Regarding XXXX : On XX/XX/XXXX, my father ( the account owner ) XXXX. On XX/XX/XXXX I notified the bank of his passing. An auto-pay continued to draft {$270.00} from the previously mentioned Santander Bank to XXXX. I notified XXXX of this post-mortem auto-pay, and they have not canceled / refunded it. I then contacted an Account Manager and emailed him a record of the Santander auto-payment to XXXX, and nothing as been remedied yet. Neither bank seems willing to help remedy this situation, and Santander Bank continues to charge {$35.00} insufficient fund fees, as well as keeping the account open, due to the new negative balance.
1. I have excellent credit.You would never know it with the credit rating I was given which I felt was XXXX. 
2. My ex husbands debt was on my report when it was court ordered to be removed. This was for a co-sign that took place back in 1989. I had no ideal what my ex was using this loan for. The payment on that debt as far as I know is up to date. 
3. Experian left off the fact I had a sufficient debt in my name paid in full for siding with XXXX XXXX. This is part of XXXX XXXX. They did an excellent job.I would recommend them to anyone. 
4. I gave a list of existing businesses that have been paid in full that apparently was not on my credit report.This is included house repairs that were paid in full. 
5. The continual delay in refusing to have my score where is should be at 110 % is causing unnecessary stress, as well as insult to injury. It is also causing a delay in a purchase that should have happened a month ago. 
6. I have never been late on any payment for anything. My family as well as dear friends do not appreciate the continual delays that is seriously causing harm .It feels like credit scores are just another way for folks to be ripped off.
I received a call from Commonwealth stating that I owed them money on a debt. I notified them that the debt was included in a Ch. XXXX bankruptcy and that they should n't be contacting me and they could contact my lawyer for verification if needed. The " adjustor '' transferred me to someone identified as their head legal counsel/attorney who told me that if I did not pay the debt within 72 hours that they will seek criminal charges and my wages, tax return and any income will be garnished as well as freezing my bank account. I informed this person that he could speak with my lawyer and was told " we do not speak with lawyers you can have a lawyer represent you in court. '' I received multiple other calls from then and in XXXX call " XXXX '' accused me of being unwilling to be responsible and pay my debt and said that I will end up paying over {$7000.00} now for their legal fees and criminal charges will be filed against me. I informed her that I knew that what they were doing was illegal and she yelled at me that it was not at which point I said to stop harassing me.
I asked US Bank Home Mortgage for their help when I was 3 months behind in my mortgage as a result of being a XXXX and not having income ( unemployment ) during the months of XXXX, XXXX, and XXXX. XXXX XXXX requested assistance resulted in a XXXX XXXX offer to pay an increased monthly payment to include the months I documented as months of unemployment ( XXXX and XXXX ). I rejected their offer to pay MORE MONEY during those months and continued to pay my mortgage during their decision process ( XXXX XXXX to XXXX XXXX ). My continued payments left me owing only one month past due, not including late fees. However, US Bank refused to accept a full mortgage payment XXXX XXXX, XXXX in the amount of my original payment BEFORE THEIR mortgage assistance offer started. Making this payment would bring my account CURRENT ; however, they refused to accept it. It was refused and returned to my bank through automatic bill pay. If they had accepted the XXXX XXXX, XXXX full monthly payment my account would be late by 30 days. Additionally, their offered assistance plan does not start until XXXX. I refused their offer since it included making payment during months I have no income. I am additionally disappointed with US Bank 's offer because they pursued evidence of my income for just 9 months of XXXX and ignored their own investigation ; they also refused to help me address more than {$1000.00} in late fees. This was help I could have received without a 6 month wait. I could have achieved their offer in one phone call. I SENT A LETTER TELLING US BANK HOME MORTGAGE THAT I DID NOT WANT TO ACCEPT THEIR OFFER OF HELP FOR THE ABOVE REASONS.
Great Lakes has my repay date wrong and it needs to be fixed. They tried to collect before the 6 month period was up and reported it on my credit. I have told them before that what ever info they have that caused this was wrong but it obviously was not updated. Also, as of this week I am a part-time student at XXXX XXXX XXXX so that needs to be updated and any further payments defered.
My payroll check was deposited onto a 'Rush Card ' and two-three days after the funds posted to the prepaid card, they were retracted or otherwise misplaced. 
I have reached out to the company on multiple occasions, I have direct messaged the company representatives, I have filed a Consumer Affairs complaint, to which I was asked for a number I could be reached at, that was three days ago. 
This has been going on for over a week now with no resolution, no call back, and no straight answers as to when/if the issue will be resolved. 
The only phone call I received that was outside the norm was a phishing call telling me to select one to receive a free voucher to some unnamed website ( download virus to mobile ). 
I 'm tired of it, no answers for me, just platitudes and broken promises. I 've had enough, I missed a day of work because I am broke and without gas. Luckily I have a perfect attendance record or I may have been fired. 
And I understand this is on me for not dealing with a reputable service or my brick and mortar bank but I just need to get my money from them so I can take it to my bank and not have to live through this nightmare again. 
Please help, any answers as to what is going on I would greatly appreciate. 
~Oh and I have already reached out to my employer 's payroll dept regarding this.