WillisBack/dataset-financial-user-claim huggingface dataset:
Just recently I received a threatening from ECSI. It was  never my intention no to pay the debt accumulated during the less than a month stay in XXXX. ECSI representatives did not present me clear explanations of my responsibilities, or benefits regarding repayment. I have done some researches. I did not receive FormXXXX from XXXX ; therefore, I was denied the opportunity to deduct educational expenses through my Income Tax on that year. Neither did I receive the usual Refund I was entitled while attending XXXX. I need to know what type of Student Loan I am in debt with XXXX, which could not be consolidated, as my other student loans were ; ECSI did not submit to me any type of information.
I have called the company several times in an attempt to speak with someone. I am always transferred over to the same representative. I had to request an itemized summary of the charges multiple times before she complied. After receiving a copy of the itemized charges I called back to speak with someone about the discrepancies. I explained to her that the charges does not comply with state rental and housing laws for the state of TX and she began yelling at me and pulled my credit report without my authorization and said " you just do n't like paying your bills ; you do n't pay ( creditor ) or ( another creditor ) ''. I then asked her if she pulled my credit report without my consent and she laughed at me and hung up. I called back and asked the first agent that answered if I could speak with a supervisor only to be transferred back to the insulting agent. 

This company is charging me for, both, a reletting fee and acceleration of rent ; which is illegal by law. Housing laws prevent collecting payment of rent twice in the same month ; charging me an acceleration of rent AND reletting fees does just that. I am being billed {$850.00} for reletting fees to cover the loss the property incurs while the unit is unoccupied however, I have also been billed {$8600.00} for accelerated rent for the time period XXXX XXXX ( the day I was evicted through XXXX XXXX ( what would have been the last day of my contract ) .I have expressed to the agency that I know, by law, the property has to mitigate damages and can not charge me for the rent of an unit someone else was occupying and paying rent for. I have asked for them to tell me when the next occupant moved into the unit and have yet to receive the information. I have only been met with insults, placed on hold for extended and unreasonable periods of time, yelled at, treated as though I was subhuman, and completely neglected. Being unable to resolve this matter, despite the many calls I have placed to this company, has negatively impacted my life and finances. I have had to pay more for deposits at other complexes, my credit score has this blemish, I have been turned away from a local program that would aid me in obtaining a grant for the purchase of a home, and had to pay higher interest rates. For all of the previously listed reasons I have moved towards filing a lawsuit against this company for 1. ) Pulling my credit report without permission which is a violation of the Fair Credit Reporting Act Section 604 ( A ) ( 3 ) 2. ) Failing to validate the debt yet continuing to purse the collection of the debt which is a violation of the FCRA 809 ( b ) 3. ) Failing to validate my debt and continuing to report it to the credit bureaus which is also a violation of the FCRA under the same 809 ( b ) clause and 4. ) The abusive language used when I called a violation that I am protected against under the FDCPA Section 806.
I tried many times to determine why I could not pay the IRS with my Citibank online BillPay. I finally received the attached letter, dated XXXX/XXXX/2015, from Citibank. XXXX XXXX states " this service is no longer available for the IRS, as we have encountered servicing issues with them. " I am totally OUTRAGED at this response from Citibank! 

I had to make XXXX separate inquiries to Citibank in order to finally learn that Citibank does not pay the IRS with their online BillPay services. 

Why did n't Citibank say this in the first place? 

Why did I have to drag this information out of them? 

Can Citibank be any more UNCLEAR in communicating with their preferred clients? 

Does Citibank really believe this is acceptable customer service? 

I expect Citibank to respond to this complaint with answers to the above ( XXXX ) questions.
My XXXX, offered through Comenity Bank, offered a balance transfer offer with a XXXX % apr and a XXXX % transfer fee of all money transferred, up to my credit line. 

The offer was stated as follows : XXXX % Promotional APR* is available on eligible balances transferred through XX/XX/XXXX. Thereafter XXXX % variable APR will apply to the remaining transferred balance. ** So, although the above statement indicated that the offer was available on eligible balances transferrred through XX/XX/XXXX, when I applied for this offer in XX/XX/XXXX, I was informed that the offer expired
XXXX  report says : CBNA on XX/XX/XXXX they gave me a hard inquiry into something i never asked for and this is staying on my credit report and hurting it. 

XXXX/XXXX on XX/XX/XXXX said they would soft inquiry and check if i was approved. and now it is a hard inquiry and i never even got a credit card from them. 



XXXX report says : XXXX XXXX XX/XX/XXXX gave me an hard inquiry for a " secured credit card ''. 
i had to pay them {$300.00} so they could give me a credit card worth {$300.00}. and this secured credit card doesnt actually give me credit since i prepaid this money. Anyone can get this type of credit card and a hard inquiry is not proper for this. 

CBNA XX/XX/XXXX gave me an hard inquiry for a " secured credit card ''. 
i had to pay them {$200.00} so they could give me a credit card worth {$200.00}. and this secured credit card doesnt actually give me credit since i prepaid this money. Anyone can get this type of credit card and a hard inquiry is not proper for this. 

CBNA XX/XX/XXXX they gave me a hard inquiry into something i never asked for and this is staying on my credit report and hurting it.
XXXX  report to the other two credit company saying there a police report saying my address is fraud which i never had done. 

i upload documents of my passport, my rental ledger which shows my address and how much rent owe and my credit card statement which shows my address.
I received notice from a collection company Valley Credit Service XXXX in XXXX XXXX stating that I ( XXXX XXXX XXXX owed Md. XXXX XXXX XXXX XXXX XXXX XXXX, Md. XXXX {$210.00} for services in XXXX XXXX. Firstly, I have never been a patient of this group. Secondly I do n't know where this XXXX XXXX the visit comes from??? 
A little background. My wife, XXXX, was a patient of this group while XXXX XXXX XXXX XXXX XXXX in XXXX up until XXXX XXXX when she was XXXX. Because she lives in XXXX XXXX Md she is told to get a new nephrologist because they do not practice in that area. My wife did so and her new Doctor is XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. He was her doctor from XXXX XXXX through XXXX XXXX, XXXX. At which time my wife had an XXXX XXXX at XXXX on XXXX XXXX, XXXX. XXXX spoke to her original doctor, which is no longer with this group, regarding the supposed charge for XXXX XXXX. XXXX XXXX XXXX told her he never put this charge in my file. In the meantime this group sent to my XXXX and XXXX and were paid {$270.00} This is a fraudulent claim. My wife did not have an office visit!!! 
As for me, how did they get my social security number, etc and file a bogus debt on my credit report? XXXX XXXX billing person for Md. XXXX group said she never sent it to them in my name ( XXXX ) ; however, the fact is I have a sworn affidavid from the collection agency showing her signature that she did in fact send it to them. No one has yet to apologize they just told me to wait and pull your credit report to see if it is gone in XXXX. All I ask is a letter from them stating the truth about this debt and the collection agency. They all tell me they do not have to do anything for me as it is the law. They made the mistake why do I have to jump through hoops to get this resolved. It was their error and done without my knowledge. 

Lastly, why did my wife, XXXX, never receive any kind of bill from Md. XXXX XXXX for over 4 years??? And when one came it was in my name not hers.??? Please note each letter states a different amount owed, i.e. {$270.00} - {$220.00} - {$210.00} so which is correct????
My payment on my credit card was received by Bank of America 4 days after the due date, generating a late fee as well as interest. The interest charged to me was an overcharge. In the next month, another interest payment was assessed to me. This was incorrectly charged. Bank of America was unable to specify what that interest charge pertained to. With respect to that month, our bill was timely paid early and in full, plus a large overpayment. Our overpayment to Bank of America occurred because its bill was incorrect because it failed to credit our previous month 's payment, continuing to bill it as a charge still due. So we paid the previous month 's bill twice. Interest was then assessed, twice, on entirely wrong amounts, none of which were owed.
I went into the XXXX XXXX Florida- Navy Federal location on XX/XX/2019 to open a new business account. ( In my possession I had my EIN number and my business is active and listed on the Secretary of State. ). My company is paperless, so I had it electronically in my phone- but as we all know SOS is available to anyone free online. 
I was immediately give a hard time by a teammate XXXX. She was beyond rude. She acted like she didn't want to open a business relationship, or lacked training. She didn't know what forms were needed or how to proceed. Then told me I HAD to produce paper copies of the documents, that she wouldn't print them. I advised her that my small business is paperless ... of course I am growing more irritated as she had given me a 9 page BOF form to complete via handwriting. She was quite condescending, which lead to me being stern about the discrimination I was receiving. Next thing I know the branch manager came over to lecture me and tell me to lower my voice. The worst banking experience EVER. My wife has been in banking for 14+ years and would never get away with treating a client that way, it was not client centric. When I got home, I wrote a formal complaint to the company via their secure website Confirmation # XXXX. I received no return message. Only a representative by the name of XXXX calling from XXXX - to further chastise me and tell my behavior is inappropriate. - And told me how I have to act, that I'm not allowed to be upset due to their laziness in the branch. That my feelings are not valid as a client. 

Fast forward to today, when I receive a letter mailed to me from Navy Federal that advised its due to a " recent incident '' at a branch. It continues to say that I exhibited unacceptable behavior. " In the event of any future incidents, you will no longer be permitted to enter ANY FCU branches for ANY Reason & We not act favorably on any request to reinstate this privilege. Citing that I abused the teammates. I am more than sure that there is surveillance and anyone can see that I did not " abuse '' anyone ... nor was I yelling, or screaming or acting any way of inappropriate. I am able to express my displeasure without being threatened. 

The company is discriminating against me and my small business.
In XXXX of 2017 a creditor by the name of XXXX XXXX XXXX XXXX appeared On my credit report. I disputed the account immediately with the credit burea as well as the company along with CFPB. CFPB case # XXXX. The debt was removed from my credit and a cease and desist order was placed. In XXXX of 2017 I noticed that the same debt appeared back into my credit report without any notification from the credit bureau or the creditor. I am asking that this debt be removed as it is not valid and am requesting proof of debt with signature. Also the credit bureau did not properly notify me that this debt would be placed back into my report as required per the FCRA.
On XX/XX/2018, I went to deposit my check into my Bank Of America account and when I deposited the check, on my receipt it stated that there was a hold placed on my deposit and I would not be able to access it until XX/XX/2018 which is 3 days shy of two weeks and my next paycheck. I spoke to the manager of the BOA location who told me there was nothing he can do about it and that my check was gone until the XX/XX/2018 date. His explanation for the hold was that BOA has a policy that your first time depositing a check from a new place/job your check is automatically placed on hold ; a policy that is NEVER told to the consumer until event such as this takes place. I had no knowledge of this policy and now I am being forced to wait 2 whole weeks before I can access my check so they can take all of the time to " verify the check is real ''. I was told to contact customer service because they would be able to help but costumer service was no help as well as I was still told there was nothing g they can do and have to wait the 2 weeks to have access to my funds. This so called policy that BOA is very outlandish and is not in the best interest of the consumer. A person 's bills and ability to put food on their table for their family can not be placed on hold, so to deny your consumer their check for basically two weeks is not ethical and asked a disregard for the consumer. I have never had this problem with any other bank.
On XX/XX/2018 at exactly XXXX XXXX I stopped at XXXX XXXX XXXX on XXXX XXXX in XXXX, TN XXXX. I purchased exactly {$10.00} in gas at the pump which turns out that FIRST DATA does the card processing for. 

Exactly 5 minutes later, FIRST DATA emptied the rest of my bank account without my permission or knowledge totaling {$39.00}. 

My debit card is issued through XXXX and when called, they said that they could not do anything about it. 
I contacted, or at least tried many times to contact all the misleading numbers for FIRST DATA and when i finally got an answer was told that they would contact the " right people. '' I have since contacted the XXXX about FIRST DATA and the negative reports that this company FIRST DATA has going back years is mind blowing! 

That fact that this company is allowed to ruin small businesses and flat out rip off citizens by the thousands and still be in business all these years is outstanding! 

The owner and the management should be behind bars for numerous felonies.
Pulled my credit report and a fraudulent account was listed on my report that I did not open nor authorize State Collection Service XXXX
Been charged XXXX per month for my loan spoke to XXXX about updating my information and to apply for idr. Was on the phone with XXXX XXXX which i have documentation of and was told my payments would be revised to about 200.00 dollars and my name change was corrected just had to fax paperwork which i did. Next month exepect to make my first XXXX dollar paument and recoeved a bill for another XXXX. Called again and was told they had no record of any call and did not recieve any information to change my loan repayment or my name and was hung up on!
XX/XX/2013 we traded in the vehicle financed by Santander for another vehicle through XXXX XXXX XXXX. Our credit report is stating that we were late in XX/XX/XXXX, XX/XX/XXXX and XX/XX/2013. It further states that this account was charged off when in fact it was paid in full. I spoke with Santander in detail and wrote a letter the dispute department to them stating all of this and providing them with a copy of our Retail Installment Sale Contract dated XX/XX/2013. Santander claimed they didn't get paid until XX/XX/2013 from XXXX XXXX XXXX and therefore what they have reported to the credit bureaus ( s ) stand.
On my credit report, it reports that I have an account with XXXX bank '. This is incorrect information because I NEVER opened an account with this company. I called the company at the following contact info : XXXX BANK, XXXX XXXX XXXX, XXXX XXXX, NV, XXXX ( XXXX ) XXXX. I gave the representative my information ( ie. name, address, social security # XXXX to see if I have an account with them and they confirmed that I do not. However, this account keeps showing on my credit reports and it is ruining my credit score.
On XX/XX/XXXX I received Mortgage Satisfaction, Letter from Bank of America. Called Bank of America, to inform the paper work was Incomplete. File complaint on XX/XX/XXXX. 
Bank of America called me on XX/XX/XXXX. Bank of America is unwell to give me a date when they will release missing title to my home. On XX/XX/XXXX Bank of America received payment Of XXXX to close the loan. It has 149 days and counting And still I can not prove I own the home I live in.
XXXX contacted me ( email & phone ) telling me that I owe them {$1400.00}. They insist I sent {$350.00} each to 4 individuals (? ) through XXXX & that I owe them the money. I never sent any money to anybody online, let alone XXXX. I did not purchase any item at such amounts online either. I told them I did not make that transaction they allege but they insist that I owe them money. Now I received a letter from a collection agency demanding my payment of {$1400.00}.
NISSAN MOTOR ACCEPTANCE has sold this account years ago and still reporting the account as though it is still owned by Nissan. Also, Nissan has never furnished proof that payments were made on this account for the months XX/XX/XXXX - XX/XX/2010, however, Nissan is reporting payments have been received in order to stay on my credit report longer.
The bank returned my XXXX XXXX payment to me. I 'm asking you will ask the bank to reverse their action, because I 'm not responsible for the delinquent taxes in XXXX or the current at the time taxes XXXX. The title company took the money out for taxes, before I got the loan. Is there anyway to make the bank more accountable for their actions? 
I 'm asking you to treat this manner with great urgency. My homes dependency is riding on this matter. I have made all of the loan payments on time. I have also paid the taxes, on the following years, which are included, in this complaint, as well as the settlement statement, that I received when closing on this loan. I have made XXXX XXXX dollars additional on the loan this year, and made XXXX XXXX dollars additional last year. I do n't have a issue paying the notes. I have and issue with the bank, being responsible. I do n't have proof of XXXX or XXXX 's paid taxes, because they were to be paid by the title company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX RI XXXX XXXX I called that company, several times. The person handling that case was n't in they did n't call back.
For over 20 month I was unemployed and I was behind with my mortgage. Original mortgage servicer was XXXX XXXX XXXX and the mortgage was transferred to Poundpoint Mortgage. 
XX/XX/XXXX I received a trial modification plan. 
I paid the trial plan on time XX/XX/XXXX when mortgage was modified. 
In accordance with Making Home Affordable program if the mortgage is modified the late payments shall be removed from the Credit Reports. 
Roundpoint Mortgage is still reporting my mortgage delinquent impairing my credit score and preventing me from getting credit. 
Roundpoint Mortgage is violating the clients wrights see the link below for victims XXXX XXXX
On   XXXX   XXXX   Synchrony Bank obtained a credit report on me without my consent. I have been a customer with them and remain in good standing with them for over a year. I never requested a credit increase so there was no reason for them to run a hard credit report on me. This type of practice impacts my creditworthiness. I, m trying to buy a home in the near future and this will adversely affect my chances.
I am a physician attempting to repay my student loans. This is my third complaint regarding Navient. Most recently, I made a large payment towards my principal and was assured multiple times my monthly payments would be reduced thereafter. 

However, I have been charged the same monthly amount via automatic debit every month since that payment. 

As usual, Navient 's customer service has been useless and dishonest.
All 3 major credit bureaus are reporting serious errors on my credit file and refuse to fix it and refuse to provide proof that it is valid. 
YOU are reporting an XXXX XXXX XXXX account with current lates on it. I have never been late, it comes out of my check and I have had the same job forever! 
-They are reporting wrong and you are letting them without proper verification! I have disputed this with you on XX/XX/18 and you 'claim ' it was verified and I demand to know how you verified it. XXXX XXXX is NOT valid verification. 

I have been trying to reach them for months and called them 32 times! I have sent emails and left messages. They will not ever get back to me. 
They are reporting wrong and you are letting them without proper verification! I have disputed this with you on XX/XX/18 and you 'claim ' it was verified and I demand to know how you verified it. You are in violation of the FCRA and I demand you fix this immediately.
A fraudulent ATM withdrawal for {$300.00} approved in XXXX, Fl XXXX ATM on XX/XX/XXXX around XXXX XXXX, a second attempt to withdraw {$200.00} at same ATM was denied as it was cited as fraud. At the time of ATM withdrawal I was at work in my hometown approximately 800 miles away with my debit card in my possession. Bank of America notified me of fraud immediately and I confirmed that I did not make this transaction within 30 minutes of notification. I followed up with BoA at XXXX that evening to ensure bank had all the information they needed from me, and to clarify if I needed to take any additional action. Police department in XXXX, Fl notified of fraud on XX/XX/XXXX- I was advised by detective that ATM footage is " difficult to retrieve '' and to pursue matter with bank. I received a letter from BoA on XX/XX/XXXX stating that temporary credit that was issued on the date of the incident will be removed on XX/XX/XXXX. When I called BoA on XX/XX/XXXX I  was told that because correct pin number was used and that account was not completely depleted money will not be refunded because it must have been someone with personal knowledge or authority to access my account. On XX/XX/XXXXI asked that claim be resubmitted.