WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX I ordered Quickbooks Bill Pay for my XXXX  business checking account, the fee was to be {$14.00} a month. 2 Months later I received an email from XXXX treasury dept that due to technical problems they were not able to activate the " Bill Pay '' service on my account. They advise me to report that to the vendor, in writing, which I did. 
The {$14.00} continued to be taken, but my Bank rep was writing a refund to me when I reported the taking. When the rep was no longer there, I took the matter to the Manager, who said the fee pull was being initiated by XXXX XXXX  and she could do nothing about it. So I moved my account to BB & T Bank in XX/XX/XXXX. In late XX/XX/XXXX BB & T processed several ach payments to XXXX  from my account. Both BB & T and XXXX had been noticed in writing 60 days in advance that our contract with XXXX was ending on XX/XX/XXXX. That this same date also fully ended XXXX permission to process ACH pulls, To assure enforcement of this, I also closed the Payroll account. 
As I have a time warning I will end. I next move my account to XXXX XXXX in XX/XX/XXXX. I then noticed that the {$14.00} pull was still happening. I researched it deeply and found records showing that this was for the " Bill Pay '' service ordered in XX/XX/XXXX. I had thus far had nearly {$1000.00} taken in this manner. I took the entire matter to XXXX XXXX. They said the best they could do was to return one of the {$14.00} takings, as this was not in their control. They are still taking {$14.00} a month for this " service : '' that was never provided, not for even a day! XXXX XXXX, customer three Banks : XXXX, then BB & T, presently XXXX XXXX
My Experian credit report was wrongfully added a false late payment by XXXX XXXX XXXX on XX/XX/XXXX and by its collection agent XXXX XXXX on XX/XX/XXXX. Apparently, someone fraudulently opened an account in XXXX XXXXXXXX XXXX  by using my social and name and walked away with {$920.00}. I have NEVER opened this account at XXXX XXXXXXXX XXXX. I contacted Experian and disputed this wrongful posting for three times and they asked me to contact XXXX XXXX XXXX directly. I called the XXXX XXXX XXXX and they asked me to contact XXXX XXXX which it took over the account of XXXX XXXX XXXX according to the Bank. XXXX then ask me to file a complaint.
Nationstar Mortgage LLC continues to raise my mortgage by significant sums citing an escrow shortage despite no change in my taxes and, a minute, {$50.00} change in annual insurance premium. They informed me of a lowest minimum balance requirement ; stating that is why my escrow account requires more money. My previous servicer would send me a check for any overage in escrow every year, report interest earned on the account and credit my account that amount.  Nationstar has failed to do either in the past 2 plus years they have been servicing my  loan. I have called to complain about this issue every year at the time of the escrow analysis with no resolution. At this point, they have informed me that I can either refinance my mortgage with another company or continue to be price gouged in the name of the escrow account. Neither solution is viable. Please help.
I have submitted the required documents several times, also cited the FCRA 605B protections for identity theft victims and still XXXX fails to comply with the law. I was a victim of identity theft and a few companies refuse to stop reporting unless I pay them I filed a police report and sent to all CRA and both XXXX and XXXX blocked the fraudulent information per FCRA 605B. XXXX continues to file disputes with the companies that always come back verified with no documentation. This is my final attempt and I will also include an intent to sue XXXX if they continue to report false info on my credit.
I have asked several times for a copy of payment history and for some reason they will not provide it. I need do to the fact Gap is denied my claim and want to review where my payment are posting and when they are applying my payments
My father passed and when I received his death certificate I took it along with all necessary papers requested by the bank to closed his account. Weeks later the bank tried to reclaim the funds as it was money from Social Security. Anyway I had filed bankruptcy during this time period and this was an unnamed debt that falls under the Federal Bankruptcy Code In re XXXX, XXXX XXXX, Debtor. United States Bankruptcy Court, XXXX XXXX XXXX. XXXX ( 1997 ) Bankruptcy No. XXXX XXXX XXXX XXXX, 1997. As described in Section XXXX ( b ) of the XXXX. Section XXXX ( b ) provides that all of a debtor 's pre-petition debts are discharged ... XXXX ( b ) ( emphasis added ). The issue in this case is whether reopening the case to add an omitted creditor is necessary to accord relief to the Debtor. The Court concludes that reopening a & quot ; no-asset & quot ; chapter XXXX case to add an omitted creditor has no effect on the dischargeability of such debt. 

Additionally, I do not believe I owe this debt as notified the bank of my intention to close the account because of the death and thereafter presented the bank will all necessary papers they requested. I gave all this information to the collection agency. I heard nothing more until I was contacted that the debt was sold. I informed the new collection agency of the situation and all collection attempts have stopped but it remains on my credit report as possibly being included in a bankruptcy. I would like it removed from my report.
I am a victim of identity theft, I have filed a police report, I have an affidavit, someone opened an account with TD Bank USA/Target without my knowledge or consent, I have forwarded all this information numerous times to the creditor and I am being ignored, this account does NOT belong to me! and needs to be removed.
I am selling my home. Bank of America holds the note. When I requested a payoff there was a miscellaneous fee totaling {$1700.00} attached to my payoff. This fee was not a pending mortgage payment or any type of lien, past due bill, tax or outstanding cost associated with the property. It is a fee that they could not explain and the person on the phone even described as strange. When the call was made to Bank of America mortgage division they could not explain what this cost was or had any documents to support how it came about. I have a pending closing that will be hampered by this. They would not escalate the issue for a faster turn around and said it would be 10 days to respond with a letter which would be after closing. Bank of America is demanding the additional {$1700.00} which is not even part of my original deed and has nothing documented that it is valid cost associated with my loan.
I recently disputed collections ( XX/XX/2018 ) with all three of the credit bureaus ( Experian, XXXX and XXXX  ). I've asked them to validate these collection debts and all of my disputes were updated as verified with no further information. There are three collections : XXXX XXXX for {$340.00}, XXXX XXXX for {$870.00} and XXXX XXXX and XXXX XXXX for {$460.00} ( I don't understand why 2 different debt collectors are able to collect ). I do not recall opening these accounts nor have I given permission for anyone to open these accounts. The credit bureaus have not validated these collections ( I did not sign any contracts or anything ) ; just verified and that does not prove how these collections have come about.
First, I have XXXX mortgages, a XXXX with XXXX and a XXXX with CitiMortage. In XXXX, I requested a mortgage modification for both mortgages due to a fraudulent appraisal by XXXX XXXX in XXXX. In XXXX, XXXX Mortgage reduced our XXXX mortgage by {$220000.00} due to this over appraisal by XXXX. XXXX XXXX sent us a XXXX form XXXX, Cancellation of Debt in this same amount ( this form is available for review ). In XXXX, I contacted CitiMortgage to request the same percentage amount reduction of our XXXX mortgage for the same reason and never heard a word from CitiMortgage. CitiMortgae did reduce the interest on the loan. However, on XX/XX/XXXX, CitiMortgage wrote a letter outlining their increase in the interest from 1 % to 4.5 % and a payment increase from {$190.00} to {$270.00}. On XXXX XXXX, I sent CitiMortgage, by Certified Mail, a letter outlining that we are both retired and living of social security and a small state employee pension and would be unable to make this increase. I also attached a copy of the XXXX form XXXX, Cancellation of Debt from XXXX XXXX in the amount of {$220000.00} on the XXXX mortgage and requested the same percentage reduction of the CitiMortgage XXXX mortgage, due to XXXX 's over appraisal when the sold CitiMortgage the loan. In that letter, I ask CitiMortgage to please respond to our request within 10 days from the Certified Mail letter dated XXXX XXXX, XXXX. That letter is also available for review at any time, with Certified Mail Receipt. Here 's my complaint ; If XXXX Mortgage consented to reduce their XXXX mortgage by {$220000.00} due to the property being over appraised by XXXX XXXX, then CitiMortgage should be responsible to make the same percentage reduction for their XXXX mortgage. In the XXXX lawsuit against XXXX Mortgage, they were convicted for fraudulent appraisals and lending practices and our over appraised mortgage was sold to CitiMortgage. At XXXX years old and unable to work, we have listed the home to sale twice and real estate agents the home will not sell for the over appraised mortgage amount. Please advise and we look forward to your response. Thanks is advance for your consideration in this matter.
I am a victim of Identity Theft and was a victim of having my personal information used to take out fraudulent credit cards, create fraudulent bank accounts and charges were made on some of my existing credit accounts. One of  which is a loan with XXXX. I have fulfilled all the obligations of an Identity Theft Affadavit and to have these transactions erased through FCRA 605B. So I am requesting that the loan be deleted so I can have an accurate credit report. I submitted the required information to Equifax, who sent me a letter stating that they were not going to honor the Identity Theft affadavit, but didn't list a reason why. This is a DIRECT violation of Federal Law. So I explained to a representative at Equifax and XXXX that all they could do was DISPUTE the account. But treating it as a dispute is ridiculous, as I have not asserted an inaccuracy in the reporting by the furnisher, who is relying upon their information without means to independently determine whether it is fraudulent. That is why the identity theft blockage provision of section 605B exists .... to bypass the need to consider proofs. I have no proof to offer to support a dispute, and thus your assertion in the form of a police report is being used to obtain blockage/removal of the charges, not contest the accuracy of its reporting. The dispute process is not a legal fact-finding process, and has no party authorized to review conflicting views of facts and make a binding determination. This is why I filed the ID theft affadavit in the first place. A furnisher does not have to provide proof in order to verify. They must conduct a '' reasonable investigation '', and based on the results of that investigation, state that they have adequate basis for determining that their reporting is accurate. If documents in their possession assert to have been authorization from the consumer, they have no way to determine otherwise, and thus can verify on that basis. That is the reason Congress enacted the identity theft provisions of the FCRA, which permits blocking of such information from a consumer 's credit report without the need to prove a negative. XXXX is also still reporting the account, even though I sent them everything legally required to have this blocked.
THE XXXX XXXX ACCOUNT ( LETTER ATTACHED ) DOES NOT HAVE ANY DELINQUENCIES PER THE CREDITOR ITSELF FOR WHICH THEY HAVE APPROVED. 
PLEASE HELP ME TO REMOVE THESE NEGATIVES LATES FROM EXPERIAN AND XXXX. BECAUSE THEY ARE NOT COOPERATING. 
THANK YOU
I have a health savings account with UMB Bank. On the online portal it says it takes 2-3 days to process deposits. However, without fail, every time my deposit is made it takes 10 or more days for them to make the funds available to me. Which puts me in a financial hardship situation where I can not go see my doctor because the funds allocated to do so are not being made available to me in a timely manner. 

I have called them and complained, and when I call and complain they can magically make those funds available when you threaten to contact the CFPB. However, unless I call to complain on average it takes 10-14 days for them to make funds available to me.
While looking into applying for a mortgage, I found I have a default civil judgement listed on my Experian credit report. The judgement was obtained fraudulently as I was never served and never had a chance to defend myself in court.Initially I disputed the record as fraudulent, but experian only confirmed the records existence. I then hired a law firm, XXXX XXXX XXXX, to fight this and they set up a settlement with the firm that sued me, XXXX ( NYS index # XXXX ). The settlement agreement stipulated the judgement being vacated with my agreement to pay a {$1300.00} settlement, in monthly {$100.00} payments until paid in full. The case is now closed, the judgement has been vacated for over one month, possibly two months, yet my latest Experian dispute over the matter did not remove the record from my report. Upon receipt of the dispute results yesterday, ( filed XXXX XXXX, 2015 ), I attempted to dispute again online with Experian and was told that I would have to mail my supporting documents when i tried to upload them electronically. Experian has failed to properly investigate my case and is keeping information on my credit report that will continue to prevent my from buying a house for my family.
HSA Bank, who my current employer uses to manage employee health savings accounts, contacted me about a contribution that had been made to a closed HSA account in my name. Upon speaking with an HSA Bank employee, XXXX XXXX, I was informed that my previous employer, XXXX XXXX XXXX XXXX XXXX - who I had not worked for in almost a year and a half - had made an HSA contribution on my behalf. 

I informed her that I was no longer employed by that entity and that any funds contributed by them should be returned. I was provided a form to assist with this. XXXX XXXX provided the date and amount of the contribution as I did not have access to the closed account. At the time, it did not occur to me that the amount XXXX XXXX provided was the same contribution amount as is presently being made by my current employer, XXXX. 

This did not become apparent until I was notified that HSA Bank had closed my health savings account on or about XXXX XXXX, 2016. After determining that HSA Bank had inexplicably attributed contributions from my current employer as being made by my past employer, the account was re-opened on XXXX XXXX, 2016. 

During the time the account was closed, XXXX separate pay periods elapsed, and contributions were deducted from XXXX different paychecks and made towards my HSA account even though no HSA account was open in my name. Eventually, HSA Bank populated my account with funds sufficient to cover XXXX of those XXXX contributions, but they have refused to answer any requests I have made regarding the missing contribution. 

On XXXX XXXX, 2016 XXXX XXXX with HSA Bank, with whom this matter has been previously discussed, was provided with a detailed email reviewing the circumstances and requesting information as to where the missing contribution was deposited or refunded to, but to date, she has provided no response. 

HSA Bank has not provided an accounting of the missing funds, and has failed to explain why the funds where incorrectly identified as having been made by a previous employer.
Re : XXXX XXXX XXXX - Tri-State CollectionsXXXX.XXXX.XXXXRegarding : XXXX XXXX / XXXX XXXX XXXX ID XXXX XXXXXXXX XXXX collection claim is for a battery for a portable XXXX. 
Invoice Number : XXXXDate of service : XXXX.XXXX.XXXXBalance : $ XXXXXXXXLate fee : $ XXXXXXXXCollection bill total : $ XXXXXXXXXXXX XXXXClaim InformationClaim ID : XXXXMember Services XXXXXXXXMolina verifies XXXX sent a duplicate claim XXXX, only XXXX claim for the battery was verified paid by XXXX. 
XXXX approval date : XXXX.XXXX.XXXXXXXX pay date : XXXX @ XXXX payment : $ XXXXXXXXActual billing for the battery by XXXX was : {$92.00} ( I have the original bill ). 
XXXX is being over charged by the amount of {$65.00}. I am being over charged {$65.00}, or they are trying to collect on a bill in full that was paid in full by XXXX XXXX. 

XXXX has previously sent collection notices and robo-dials for collection XX/XX/XXXX-XX/XX/XXXX. 
I called XXXX ( XXXX ) XXXX XXXX and followed up with XXXX XXXX XXXX, who verified payment was made to XXXX ( case # XXXX ), and who called XXXX to give them payment information. 

I called XXXX ( XXXX XXXX ) to inform them of the update and to expect a call from XXXX XXXX XXXX verifying account information and payment, I also informed XXXX at that time ( XXXX or XXXX ) to stop all robo-collection calls. I told the representative at XXXX that it was okay if she wanted to call me personally and discuss the account, but no more robo-calls. I had also had communications with XXXX about this issue. 
I believed this matter to be resolved XXXX XXXX. 

XXXX XXXX XXXX started collections again for the battery, and the collection notices and the numerous robo-calls for collection has started again. I did not call XXXX again because it is obvious they can not make corrections in their billing department, and because we have addressed this issue once before, although I did call XXXX once again ( now a third time ) to verify payment in full to XXXX. 
My concerns are now focused to a collection agency becoming involved on what I would consider fraudulent billing and collections. 
XX/XX/XXXX. I received a collection letter from Tri- State Adjustments of Wisconsin . 

Tri-State Adjustments XXXX XXXX, Wi XXXXXXXXDebra XXXXXXXXRe : XXXX # XXXXBalance due : $ XXXXXXXXThis account has been satisfied by XXXX, albeit being overcharged by the amount of {$65.00} or XXXX attempting to collect on a bill previously paid in full by XXXX. 
A copy of this complaint was sent to Tri-State collections XXXX.XXXX.XXXXSincerely, XXXX XXXX
My wife and I have been separated since XXXX and we hold title to our home jointly. She just recently filed for a chapter XXXX bankruptcy and it was XXXX this month. All while this was going on I continued to make payments on time and was told there would be no issues as long as I made the payment. I belong to a credit reporting company and saw that my credit dropped significantly so I checked and XXXX XXXX reported I was 30 days late so I got on their website to check this out because I had not missed any payments, I noticed they were also charging me legal fees of {$740.00} and a filing fee of {$180.00} for my wife 's bankruptcy which I was never notified of either. Spoke to them and they are supposed to fix the credit violation they said it was their error but as far as the charges go they said someone had to absorb the legal fees and filing fee and that my monthly payment would change to absorb those fees. I spoke to a local bankruptcy attorney and he told me he had never heard of such a thing occuring. The only help I received from XXXX XXXX was that I was given an email address to contact them that came back undeliverable. Why when I was on the phone with their customer service representative? Everything that I have read is that this is not legal. Looking for answers because I cant get any from them and nor do I trust them. These charges were added to my account XXXX and the missing payment they reported was XXXX. Thank you.
I initiated a dispute of highly inaccurate information on my credit report on XXXX XXXX, 2015. Since then I have sent over XXXX letters to the credit bureaus to have them do their role and investigate and remove these inaccurate accounts. Nothing has been done and they claim that they verified the following accounts. I know this is a lie, because I am the alleged debtor and the debtor has n't even verified with me that the debt is properly validated. Pursuant to the Fair Credit Reporting Act the credit bureaus must verify with the furnisher of information on record. This has not been done. Please assist me because my family and I are trying to achieve the american dream of home ownership and the credit bureaus lack of response and irresponsibility is keeping my family from achieving this. The following below are the account numbers that are in question. I have also included the last XXXX letters that have been sent over. 

XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Chase closed all of my credit card accounts without notice. For background information, I have been a Chase checking customer for the majority of my life and I have had credit cards with Chase since 2015. My credit score is in the high 700s and I have steady income from full-time employment. I have also never participated in  manufactured spending or card churning. I was given no notice by Chase and only found out that my accounts were closed when my cards no longer worked. I was able to speak to XXXX, the account supervisor, who was extremely unpleasant and told me that my accounts were permanently closed for the following reasons : 1 ) recent increase in credit usage on a newly opened Chase business card, and 2 ) lack of credit history that shows I can manage a high credit line. She refused to offer any more information when I asked  and declined to listen when I tried to state my case. Regarding the first reason ( recent increase in credit usage ), I explained that I had recently signed up for the Chase business card to which she referred because of a promotional XXXX Chase Ultimate Rewards offer if I met minimum spend requirements. I therefore diverted all of my other spending to this business card because I wanted to meet the minimum spend requirements as soon as possible. My plan was to redeem these rewards points for a vacation flight as I have not treated myself to a real vacation in over a year. I thought this was reasonable as to why I would suddenly increase spending on a specific new account. XXXX 's only response was " we just don't feel comfortable doing business with you '' and refused to provide any more information. Regarding the second reason ( lack of credit history that shows I can manage a high credit line ), XXXX told me that I had insufficient credit history to show that I could manage the high credit line on my newly approved Chase Sapphire Reserve card. I explained to her that it was Chase that not only approved me for the card, but also provided me with that high credit line. XXXX 's response was that the lending department uses different information from the reviews department and refused to provide any more information. I told XXXX that I was more than willing to take lower credit lines, but she seemed to take immense joy in reminding me that all of my accounts were already closed and that this was a permanent decision. I am highly disturbed that Chase would approve me for a credit card, extend to me what it perceives as a high credit line, and then use that as justification to close ALL of my accounts. This line of reasoning is seriously flawed. When I tried to tell XXXX that I was struggling to understand the reasoning behind the account closures, she told me that if I had no further questions, she would disconnect the call. I reminded her I didn't have any questions, but was still struggling to understand, she proceeded to disconnect the call.