WillisBack/dataset-financial-user-claim huggingface dataset:
I just recently realize that for a long time my bank account had been illegally charged with unfair overdraft fees, my banking institution had been so abusive of these fees, that at times I had more than XXXX overdraft fees in XXXX week at {$36.00} each. After complaining to the bank, I realized that the bank manipulates the transaction history to their advantage, making it impossible for me to keep an accurate track of my financial transaction. My banking transactions are not posted in pending in the right order and if there is a cash request they will deliver cash withdraws over the pending transaction to purposely overdrawn my account and later charge all pending transactions an overdraft fees for each on of them.
Payliance deleted this account over 2 years ago when I proved I had no such returned check for this amount ever. I want this deleted ASAP as they are reporting false information They are reporting a returned check for {$170.00} on XX/XX/XXXX I never wrote
I am an American Express  XXXX  platinum cardholder and have been the victim of fraudulent advertising., I received a promotion targeted offer from American Express in  XXXX ,    2016  promising me  XXXX  bonus miles and  XXXX    XXXX   qualifying miles if I spent {$75000.00} on their card in  2016 . I registered for the promotion and spent the qualify g {$75000.00}. I have never received the promised bonus or  XXXX  miles. I have called American Express repeatedly and have received a variety of answers including : yes they see the promotion and wait, the miles are on the way ; they see the promotion but do n't know why I have n't gotten the miles ; references to a computer glitch and no notes in the record regarding my disputes ; promises of supervisory callbacks that never happen ; and today   XXXX   at  Am  Ex advised me no such promotion existed. I have a copy of the promotion and a record of the different employees I spoke with along with their employee ID number. I will attach my documentation.
Attached you will find receipt of timely monthly payments since mortgage inception dating to last XX/XX/XXXX.

XX/XX/2018- we arranged to change our Home owners insurance to a new company. to begin XX/XX/XXXX. 
When we received a refund check from our old Home owners insurance company and we contacted US Bank to ask them how to proceed, they stated it would be faster for us just to pay a years premium and send them a copy of the receipt and gave a website and pin information to log in with that receipt. We purchased the years insurance and sent the copy and new insurance information XXXX18 at XXXX. XXXX stated they received a duplicate payment on XX/XX/XXXX for the {$2300.00} from our Mortgage company. Meaning after they instructed us to pay the year premium they did also. The mortgage company monthly payments still reflected the outrageous premium from our old home owners insurance provider and refused to adjust the paperwork they had received but acknowledged that we had a new insurance provider. The Mortgage company was only trying to continue our escrow reflecting the outdated amount, they were now including a charge for the overpayment of the homeowners insurance which was the result of THEIR overpayment. Our new insurance company returned the overpayment to us instead of back to the mortgage company, which we sent back to the mortgage company via 2 day Fed ex to arrive on XX/XX/2018, tracking number XXXX. We were in contact with the mortgage company many times during the month of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXXto get this issue resolved, which they would not allow contact with any upper management or supervisor and they refused to adjust the account. They stated they review escrow once a year unless an adjustment is specifically requested. We stated that they had received the new information which greatly reduced our premium and would actually result in lowering our escrow a bit, and they were responsible for updating account information as it was received. I have made my monthly payment as to the paperwork signed in mortgage every single month, and they have begun to withhold my payments and send me letters that stating that I have not made a mortgage payment for the month with is utterly false and their own records SHOW they received the payment, they just wont apply it. It is now XX/XX/XXXX, they still have not made all the necessary updates that any professional company should regarding customer accounts PLUS they are harassing me two to three times a day with phone calls stating that I am behind on my payments and threatening continuously to damage my credit report. XX/XX/2018 They told me they would have the account straightened out by XX/XX/XXXX and would send a new statement reflecting the updates. I told them that if they didn't get this figured out since it was their departments I was filing a complaint with their regulator, and I did file a complaint with the OCC on XX/XX/2018. I received a letter from the OCC stating they were turning the issue over to the correct department and have never heard back. PLEASE HELP.
I received a credit report from Equifax showing a XXXX SERIOUS DELINQUENCY code for a XXXX XXXX account with the comment " ACCT SUBMITTED TO COLLECTION ''. I disputed the item and contacted XXXX directly. They agreed that the account had been paid on time and have no record of a collection action. They mailed me a letter stating as such. 
Despite the item being in dispute and the subsequent admission by XXXX that this was an error, my FICO score is unusually low and is causing a direct harm to me as the cost of a loan product will increase by {$60000.00} over the loan term.
The representative requested my full Social Security number over the phone. XXXX ( requested that I repeat ). 

Further, I was informed that the company would not send correspondence regarding my account information with a firm NO. When I requested to know why the company could not send information in writing, I was given a nonsensical answer.
XXXX XXXX ( # XXXX ) had my lease. Problem happen at the time of paying off my lease. Spoke XXXX XXXX multiple times on my pay off amount and refund amount of {$810.00}. Every time I spoke with them the representative gave me different info. Asked to speak with an manager on XX/XX/XXXX at XXXX CST the representative refused to let me speak with one and advised that a supervisor would call me back in 48 hours or less. I asked why in XX/XX/XXXX that a supervisor was not available and she said no supervisor was on the floor. I asked why is there no manger for a customer to resolve a customer compalint. I would like to see better training and technology to help customer get a better experience. Also I want to see managers available to take calls immediately Called back ( XX/XX/XXXX XXXX cst ) to speak to another representative asked to speak to a supervisor again refused to let me talk to supervisor. I reminded representative that the call was recorded and all my calls are recorded. 

I 'm asking for the CFPB request all phone calls of my account with XXXX XXXX to find out where my refund is and why no one XXXX XXXX can give simple answers.
The collection agencies that I've listed below are reporting old debts. They are re-aging them and placing them on my credit report. It is my understanding that this is illegal for someone / company to re-age a debt that is greater than 7 years plus the statue of limitation in the State of Texas is 4 years. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Debtor : XXXX XXXX XXXX Original Creditor : XXXX XXXX University Amount : {$160.00} Date incurred : XX/XX/XXXX XXXX XXXX XXXX XXXX Original Creditor Name : XXXX Type : Payday loan Debtor : XXXX XXXX Amount : {$700.00} Date Incurred : XX/XX/XXXX
My credit reports reflect a debt in the amount {$770.00} owed to XXXX XXXX XXXX company as the originator. I have disputed this debt numerous times for years with no success. Each time the debt returned as verified. I requested verification of this debt, but have received nothing.
I deposited a check for {$33000.00} into a Chase Bank account on or about XX/XX/XXXX. The account had had {$4000.00} in it for at least 10 months prior. Chase shortly ( within a day ) thereafter sent me a letter indicated my account would be closed and funds would be returned to me. I received a letter on or about XX/XX/XXXX, including a check dated XX/XX/XXXX, in the amount of {$4000.00}. I contacted Chase at the number listed with the check ( XXXX ) and, after arguing up to a manager, was told that Chase would call me back within 24-48 to clear the funds. No one called. On XX/XX/XXXX, I contacted Chase 's executive office ( XXXX, speaking with XXXX ) and explained that I had not received my funds and had not been given a reason why the funds were not returned. XXXX opened a case with the executive office and " made the case urgent. '' I was told that someone would contact me within 24-48 hours. No one called. On XX/XX/XXXX, I contacted Chase 's executive office again ( XXXX, speaking with XXXX  ) and was told that I would receive a response by the next morning ( today ) between the hours of XXXX and XXXX  pacific time. Still, no one has called.

There has been literally one transaction on this account in the last ten months -- a deposit of {$33000.00}. Chase closed my account for no reason given and is holding my funds, again, with no reason given. I have been repeatedly lied to about their response to my complaints, even to their executive office. Additionally, I have spoken with the check maker who informed me that the funds cleared his account on XX/XX/XXXX -- an entire month ago. Chase bank is in violation of Regulation CC and, if funds are not returned immediately, will be facing penalties at law.
I have contacted Experian several times via phone online, and via first class mailings on many occasions in regards to several accounts that were placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to Experian several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the FTC Identity Report XXXX, I've called and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was in special handling, I haven't had any luck with this. the following accounts that are reporting are : XXXX XXXX acct XXXX, XXXX XXXX acct XXXX, XXXX XXXX XXXX acct XXXX. When I file a complaint they instruct me to file dispute with them directly which I do just to keep getting the same results. I have even sent copies from XXXX & XXXX showing that they deleted items that Experian keeps saying verified. How can they all be using the same information but some bureaus are correcting items & the other is saying verified which is totally incorrect.
We moved in XXXX of 2014 to XXXX from XXXX. XXXX transferred services to our new home which created a new account number. The bill from the XXXX account was never sent to new home address. We became delinquent on the old account without knowing it. We finally received notification of delinquency this month and have paid the balance in full. We are requesting to have the delinquency removed since it we were not receiving bills.
This particular issue is with all XXXX credit unions. They have me exceeding the limit with XXXX XXXX however, this card has a XXXX balance. In fact all my credit cards are paid in full.
XXXX XXXX XXXX. INC appears as a collection account on my credit reports showing I owe a balance of {$730.00} ( shown as {$740.00} on my XXXX, XXXX and XXXX credit reports ). I have called and written letters asking for verification pursuant to the Fair Debt Collection Practices Act including but not limited to Section 807-8. I also asked for verification of the debt that is competent evidence bearing my signature, showing I have ( or have ever had ) a contractual obligation with MCM and/or XXXX XXXX. Both parties are in violation of the FDCPA ; therefore since they have not validated the debt, it must be deleted from all credit reporting agencies immediately.
Someone hacked my XXXX and XXXX account. I did not make the purchases. I poke to XXXX and was told it was fixed and I would not be liable for the charges. I have now received a letter from a debt collector stating if I do not pay I will have a judgement on me.
on XXXX/XXXX/2015 i settled a debt with Harvard Collection who acted on behalf of XXXX XXXX XXXX. A negotiated amount to settle the debt in full was {$620.00} which was paid. Payment cleared my bank account within 3 business days. At that point the representative, XXXX promised a letter in the mail within 2 weeks showing the balance has been settled and credit reporting within 30-45 business days. As of today, i have not received a letter or this payment has not reflected my credit score. My credit report still shows a balance due on this account which was reported in XXXX 2015. XXXX is falsely billing me and when i settled the debt with Harvard Collection as payment in full. This is affecting me from purchasing a home and after numerous calls to Harvard i am being asked to file a consumer complaint. No one seems to take responsibility of the actions and its not only affecting me financially but emotionally also. It is hidious how companies can abuse consumers in such a manner. Due to divorce i had to let the account lapse but did step up to my responsibility and paid the debt that was settled between Harvard and I. If debt settlement is just a sceme to scam consumers, please let me know so i know in the future to deal with the issues in hand then try to do the right thing. 
I want a letter showing my debt is settled in full and this to be reported to the credit agency so it can reflect my credit.
I was called by my mortgage company telling me I was late making a payment and asked if I would like to do so over the phone. I could not understand why they would be calling since I have automatic withdrawal from my account bimonthly. I was unable to discuss the situation then being that I was in a grocery store. When I called back I found out that XXXX of my bimonthly payments was being applied entirely to the principal and that I was getting late fees because naturally the required monthly mortgage payment was not being received. My mortgage was with Greentree when I initiated the bimonthly payment. I was told that Ditech acquired the mortgage and that everything would remain the same with Ditech as it did with Greentree. That is not the case. When I initiated the bimonthly payment with Greentree, it was not the amount that Ditech started to withdraw from my bank account. When I called and asked about this I was told that loots of things happen when mortgages are purchased. I now am watching to see if the late fees ( more that one month ) and the payment is being applied to the mortgage and not the principal. I also learned that although I have the first of the bimonthly payments taken out of my bank account, it is NOT applied to my mortgage. As stated on my statement, the money is listed as " funds in suspense ''. I thought the payment was being applied to the mortgage not being held until the balance for the month is received and applied. So the first half of the payment is taken from my account and held " in suspense '' in an account at Ditech where I am certain it is earning them interest yet it is not applied to my mortgage whereby lowering the interest accruing on the mortgage. Can they really do that? Also, they now say I can have the PMI removed, however they are requiring me to have an appraisal with XXXX of their vendors to qualify to remove the PMI. I though PMI was to insure that they would receive payment not to insure the value of the home. Why am I being made to prove the value of the home to get rid of an insurance payment?
I have a XXXX dollar student loan debt that Im unable to pay right now and they left a error on my credit report on missed payments from XX/XX/2011 that was defferred cause I was unable to pay. I will like this issue to be resolved by gettting a better repayment plan without being charged interest and also fixing and taking out the XXXX missed payments from the XXXX credit beaureas from XX/XX/2011.
On XX/XX/XXXX, I closed on my house with a mortgage amount of {$2200.00}. On XX/XX/XXXX, I contracted Wells Fargo concerning receiving a letter stating that my City taxes had not been paid. Wells Fargo stated that the taxes had been paid. However, they would file a case for the further review and requested that I fax a copy over to them. I faxed the information over to Wells Fargo the following day. I contacted the taxing authority a couple of times to verify payment. Payment was not made by Wells Fargo until XX/XX/XXXX. I called Wells Fargo on XX/XX/XXXX to see how this payment was going to affect my account. I was informed that since the City taxes and County taxes were more than the amount calculated for my loan that I had a negative {$770.00} in my escrow account. The Wells Fargo rep stated that I was lucky to check on this matter now because when my escrow analysis runs in XX/XX/XXXX ; my mortgage would increase by {$500.00} to adjust for the shortfall. I asked why I was not notified on the shortfall. She stated that they do not have to provide this information until the escrow analysis is run. She also told me in order to correct the issue now ; I would need to make a payment for {$3000.00} and my mortgage would still increase by {$180.00} per month. So, I made an escrow payment of {$2500.00} on XX/XX/XXXX. I made {$110.00} escrow payment on XX/XX/XXXX. I spoke to another rep who stated that the entire payment would need to be paid by the end of XX/XX/XXXX or the system would automatically increase my payment by {$500.00}. I asked could they reverse some of my principal only payments to help get me to the necessary balance. I also asked if Wells Fargo could adjust the figures since this was their mistake. I was advised that this was not issue and that the Title company made the mistake and that they had already paid the {$32.00} late fee for the City taxes as a customer service gesture. At this time, I still owe an additional {$400.00} before XX/XX/XXXX if I do not want to pay an additional {$500.00} on my mortgage each month.
On XX/XX/2018 I disputed a XXXX XXXX XXXX XXXX account on my Equifax credit report. Equifax can back and said " The item was VERIFIED '' on my dispute letter it's states " PROVIDE ME WITH PROOF THAT THIS ITEM IS MINE WRITTEN CONTRACT AND ANY DOCUMENTATION WITH MY SIGNATURE '' .Under the Fair Credit Reporting Act that's my right to received the documents.Equifax Failed to do so they have violated the Fair Credit Reporting Act. HOW CAN YOU VERIFY A ITEM WITH NO WRITTEN CONTACT? HOW ARE EQUIFAX VERIFYING ITEM? WHO VERIFIED THIS ITEM? I want this negative item off my credit report as soon as possible. And remove All non holding account inquiries I have contacted all they companies and they failed to provide me with proof that I authorize inquiries
I HAD SIGNED UP CONTRACT WITH XXXX for match making. The name of the sales girl is XXXX -- I had sent her my requirements that I am looking for highly educated man, professionals like doctors and engineers -- XXXX -- They told me that they have lot of professionals enrolled in their system but they never introduced me to anyone other than XXXX guy who said he is XXXX but he appeared to be XXXX -- looked very old -- then they told me that they have high professionals but they are all XXXX area and they do not want to date long distance since I live in XXXX XXXX they never rendered their agreed services but charged my credit card for nothing -- they lied about everything -- They did not provide any services -- there are lots of complaints for this company -- since they entice people and entangle them -- to make their money -- but they do nothing in return other than lying to the clients. -- there are lots of complaints online about their company -- I had no real date at all -- -if they had no professionals in this area -- they should not have lied to me -- just to sign me up and make money -- very big fraudplease check -- XXXX : XXXX XXXX- ... 
XXXX XXXX : XXXX when they almost told me the truth that they have no professionals in this area or inother words -- they can not find me any match -- I called my bank and told them to help me -- they called the merchant and closed my card for defrauding me -- They sent the amount to the collections which I saw recently in my credit report through credit karma. 
Please help me to resolve it. I want that everyone should be alarmed about their fraudulent system -- People should know that they are a scam-I even told my attorney and she did send them a letter for not providing the services and defrauding people -- Please contact me asap.These are the collections accounts that are reported as open on your credit report. 
AgencyOpen XXXX BalanceOpen XXXX BalanceOMEGA RMS {$2600.00} {$01.00} account reported on XXXX XXXX, XXXX accounts reported on XXXX XXXX, 2015 OpenAccount # XXXX XXXXBalanceXXXX XXXX XXXX XXXX XXXX Creditor $ XXXX BalanceApr XXXX, XXXX DateXX/XX/XXXX XXXX, XXXX ReportedIndividualResponsibilityThese were the emails -- exchangedOn ThursdayXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX & gt ; wrote : XXXX, The contract said You guys introduce people within 3 days -- -I had signed up on XXXX -- -No results within XXXX weeks. 

On Monday, XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXXXXXXXXXX & gt ; wrote : XXXX Monday, XXXX XXXX, XX/XX/XXXX XXXX XXXX, Match Making & lt ; XXXXXXXXXXXX & gt ; wrote : Hi XXXX, Thank you for the update. We will be in touch soon. 

Have a great day! 

XXXX XXXX Sat, XXXX XXXX, XX/XX/XXXX at XXXX PM XXXX XXXX XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; wrote : On Saturday, XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; wrote : On Monday, XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX lt ; XXXXXXXXXXXX & gt ; wrote XXXX XXXX XXXX XXXX XXXX, XXXX, Is it possible for you to work on my case -- since you have met me. 
I need more experienced, result oriented person to work on my situation.
I was illegally evicted from my apartment and erroneously billed for breaking my lease. The landlord 's representative sold this debt to XXXX XXXX XXXX, who added this fake debt to my credit report. I appealed the court 's decision, which was reversed on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, the landlord settled and the judgment was vacated. However, over a year later, XXXX XXXX XXXX has not removed this fake debt from my credit report. I disputed the charge with Experian to remove it and they will not. They stated, " XXXX XXXX XXXX Account Number : XXXX Outcome : Remains - The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' However they did not share how the creditor certified this fake debt. It certainly was n't with court documents!