WillisBack/dataset-financial-user-claim huggingface dataset:
I was going to XXXX on vacation. So on XX/XX/XXXX I set up automatic bill pay on my Alaska XXXX credit card through BOA. I was told that the auto pay would not go through until the following billing statement. They told me I needed to do the XXXX payment by phone. So I did. 

BOA took {$2700.00} out of my checking account on XX/XX/XXXX by phone. They also took XXXX out of my checking account by auto bill pay. ( even though they said that would not happen ) BOA only gave me credit ONCE for {$2700.00}. 

BOA has been holding onto the other {$2700.00} since XX/XX/XXXX. I have tried to contact them numerous times by phone and by messages. 

It is nowXX/XX/XXXX. BOA still has not given me back my money or credited my account. 

If this was they other way around they would be charging me a late fee, they would be charging me 26 % interest etc! 

I am very upset with BOA This has to be illigal!!!
My identity has been compromised and the aftermath of this has left me with unauthorized activity involving my credit report. I recently disputed the activity and the credit agencies investigation came back verified. My question now is verified by whom, and when and how. What was the Method Of Verification.  And in accordance with FCRA I'm requesting the details of the Method, or the following inquiries shall be removed immediately. The following inquiries are, 1 ) XXXX XXXX XXXX, ( XXXX ) ( XXXX ) 2 ) XXXX XXXX XXXX ( XXXX ) 3 ) XXXX XXXX ( XXXX ) 4 ) XXXX XXXX ( XXXX ) 5 ) XXXX XXXX XXXX ( XXXX ) 6 ) XXXX XXXX ( XXXX ) 7 ) XXXX XXXX ( XXXX ) 8 ) XXXX XXXX ( XXXX ) 9 ) XXXX ( XXXX ) 10 ) XXXX ( XXXX ) 11 ) XXXX ( XXXX )
This dispute involves the purchase and return of  XXXX  tablets from a known installment plan retailer.  XXXX   tablets were returned to the retailer because they stopped working ; The   XXXX   tablet was sent to me without my consent and was also returned as well.All of these returns were at my expense.Although my " Account Balance '' page shows all items as returned, it also shows a balance due.How could a balance be due when all items were returned? I 'm looking for an answer to this question.And, yes, I have several copies of my Account Balance page reflecting all of my returns.
We have a mortgage that was bought by Ditech. We have always paid our payment through my local bank bill pay. Well, the last XXXX months Ditech has credited our entire payment to escrow instead of the principal, interest and escrow. We keep getting calls demanding payments that we have already made.we have talked to numerous reps from Ditech who tell me that they have enhanced their online experience. Ever since the " enhancement '', it has been a nightmare. They have continually admitted it is their fault, and have promised it will be fixed. It has not. I received a notice of a negative rating on my credit report for missed mortgage payments. Ditech insisted they never sent anything to the credit bureaus. we are at our wits end with this situation. we keep getting letters in the mail urging us to get credit counceling.
XXXX XXXX reported a late / missed payment over 30 days on my credit report without sending me a statement 21 days before the bill was due as required by the credit Card act XX/XX/XXXX, this account never showed up on my online account ; I had Visa, and Master Card which is the card in dispute ; I received three statements for different months in one letter in XXXX after contacting customer service concerning the late payment, and informing customer service I never received any statements on the amount owed ; once I was informed of this debt it was paid in XX/XX/XXXX, I never used this Master Card, I have had a Visa account with XXXX XXXX over a year, and never missed a payment, both accounts have been closed at my request ; why was XXXX XXXX holding all of my statements, and sending them to me after a request, and alert on my credit report instead of sending them monthly before the due date as required.
Unauthorized inquiry. On XX/XX/XXXX I expressedly did not authorize a hard inquriy on my credit report to XXXX XXXX XXXX XXXX XXXX, nonethless my report shows a hard inquiry which affects my score. This contradicts my command and the expressedly stated by the company representative " It is not a hard inquiry on your credit report ''.
I submitted a previous report and was told In order to protect the confidentiality of the consumer 's credit file information, Equifax must obtain proper identification from a consumer before disclosing and/or updating any information regarding the credit file. You may mail a copy of the requested documents, such as drivers license/state ID card and a utility bill showing the current address information along with a social security card Do to this fact my complaint was not resolved. I hereby authorize to proceed with my complaint and provide drivers license & social security card ( attached ) as proof of Identification. The aforementioned in order to have my complaint resolved and the unauthorized inquiry removed from my repot.
Navient continues to increase the interest rate on the loan that they purchased from XXXX XXXX XXXX. On XX/XX/XXXX Navient began to service the loan that they had purchased from XXXX XXXX XXXX. My average payment was around {$110.00}. The interest rate continued to increase and the payment is increasing as well. The current interest rate for the loan is 9.25 %, however there is a rate reduction for the amount being automatically taken out of my bank account, making the interest rate 8.25 %. My payment has increased to over {$130.00} per month and the loan amount does not decrease with every payment. As of XX/XX/XXXX ( when Navient purchased the loan ), I owed {$12000.00}. As of XX/XX/XXXX, i still owe {$12000.00}. In nearly a year, I have managed to pay off {$300.00} of the loan, however I have paid, in total, {$1100.00} - {$850.00} to interest alone. 

I contacted Navient to attempt to lower the interest rate, however they said they already did with the reduction through autopay. Navient said they will not lower the rate any further and that I should expect to pay the loan for another 30 years. Navient told me that if I wanted to lower my amount due, to pay more to the principle of the loan, money that is not available due to having other living expenses. 

Navient did not have any other options for me to reduce my payment, reduce my interest rate, and had no other options to help me. They are very predatory and are taking advantage of borrowers by purchasing loans from other companies and servicing them, offering no assistance or relief to borrowers.
I spoke with a representative from XXXX XXXX, XXXX and requested them not to contact me by phone. That was XX/XX/XXXX. The very next day, I received two separate calls within five minutes from XXXX XXXX, XXXX. I did not answer. On XX/XX/XXXX, I received a call from XXXX XXXX, XXXX. I again informed the rep that they are not to contact me by phone. I have already fought this company on their bogus claims in court and won based on their inability to prove that they own debt in my name. Also, it is past the statute of limitation. The rep I spoke with on XX/XX/XXXX mentioned various times that due to the age of the debt, they would not pursue the issue in court. They have also re-aged the debt with at least one credit bureau and indicate I have a " Major Delinquency First Reported '' amount dated XX/XX/XXXX. I have never conducted business with XXXX XXXX, XXXX, therefore I can not have a delinquency with them.
1. I did what Navient said to do, write on a piece a paper on which account you would like to make a payment to-instead of the normal payment, I wrote the amount the check number and wanted to pay off one of the loans in my consolidated loan. So I did, then got a statement showing Navient put the money towards both the loans, I called them not once but twice and talked with a manager they said they were sorry and that I would not have a payment until XX/XX/XXXX. 
2. Just received a letter for forbearance, which I did not request, I called immediately this evening and found out that a customer service agent did this, then XXXX the other service agent said the other service agent made a mistake. l asked her to send me a corrected letter and made sure that my loan, and my fixed interest stayed the same. 
I have had this loan for about 15 years it has been sold and bought many times, this is the worst company, I would like a different service provider.
I filed two disputes with XXXX. Informed XXXX that accounts do not belong to me, they were originally opened when i was not of legal age and I could not have a phone in my name at that time
I noticed on my credit report that LvNV funding LLC has that I owe XXXX this account does not belong to me and I 've disputed multiple times. They have n't gotten in contact with me either.
There where Fraud on XXXX ( XXXX ) Credit Cards ; XXXX which was never activated by myself. 
XXXX XXXX XXXX Issued By Bank of New York and No. Pin requested or Card receivedCard No. XXXX BNY Mellon Florida for the sum of XXXX ( card No.was obtain through XXXX Fraud Dept. Activated XX/XX/2015Shell Fuel Rewards Card No. XXXX XXXX XXXXCard No. XXXX Never Activated in My Possession at the time usedCard used XXXX/XXXX/2015 thru XXXX/XXXX/2015 For the sum of XXXX XXXX Issued By XXXX XXXX Card No. XXXX XXXX XXXX XXXX in my possession. Card Used on XX/XX/2015 For the sum of XXXX Total XXXX
I sent {$300.00} via Money Gram online to my son through my savings account. On my money gram account I'm showing that the money has been ready for pick-up since XX/XX/18. However, there is no confirmation # and the money can not be picked-up without one. I tried multiple times to work with both my bank and money gram to either acquire the confirmation # so my son could pick it up or have them return the $ to my account. There does not seem to be a resolution forth coming from either of the merchants and I was hoping your office would be able to step in and help me find a resolution in this matter. Thank you for you time. XXXX XXXX
I have an account on my credit report from Chase auto-this car was stole off the dealership while I was signed my contract. My old business partner stole this vehicle, the car salesmen gave him the keys to test drive the car without the salesperson in it. I was told that the loan would not fund and that I wasn't responsible for the car. Well, the dealership did fund the loan with Chase auto and I tried everything to get this loan undone. I filed a police report three years ago, tried to put the car  through my car insurance, and I tried to help chase get the car back-but I couldn't get anything done. I had great credit and didn't want to have this account report negatively, but I didn't have a choice. I filed all of the fraud paperwork that chase told me to do and submitted it. I thought it was done, because I didn't hear anything from chase. I started the process to get a home and this account is showing on my credit. I once again filed a fraud aff, through the FTC fraud website, I was very specific in my filing. Chase auto recovery department is now calling me to collect this debt-and Chase credit department respond to XXXX stating that the debt is valid ed. I can't file a police report, because the car is not in my name, and I can't put it through my car insurance because the car was also not in my name. So, now I'm fighting with the credit reporting company, and now getting debt calls from Chase demanding to know where the car is and when am I going to pay the debt.
I have sent two disputes to Experian, most recent one being XX/XX/2018, regarding inaccurate name and address appearing on my credit report. I have never lived at that address nor gone by that name. I have been told that since name is attached to tradelines it can not be removed. I have contacted these tradelines and they do not have the name associated with my account so I have exhausted all avenues in regards to getting inaccurate name and address removed. The address and name does not belong to me. I have even provided a copy of my drivers license for verification and they still refuse to remove the inaccurate information. Just because it " appears '' on tradelines does not make it accurate. Below are the items that do not belong to me that they continue to report illegally : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, IN XXXX
XXXX XXXX XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida Upon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX acc # XXXX XXXX XXXX XXXX acc # XXXX XXXX acc # XXXX Inquire that were not done by me That are fraudulent XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
On XX/XX/2018 we paid our RV loan in full with an overage. The payment made by a third party buyer was in excess of the payoff amount, and paid in the form of a cashier 's check. We deposited the check to Huntington Bank that same day and were told that we could expect a refund check in 7 business days. The check did not arrive, but we received a payoff letter stating our account was paid in full and closed. We called to inquire about the title and check, and were told they couldn't do anything until it was 20 days deficient. We waited the 20 days and asked for the check and title. We were told they could reissue the check and title, but the fastest way to obtain the title would be to take the letter to the XXXX. The letter had the wrong address, so the XXXX won't release the title to me. They asked me to go back to my bank to get this corrected. I called Huntington again on XX/XX/18 and explained the letter had the incorrect address, I'm not able to get the title for my vehicle. They admitted that they put the incorrect information in their system and the check, title, and letter all had the incorrect address. They reissued the check and title at this time. Today is XX/XX/18 - 5 additional business days and I still don't have a check or title. I live within a 10 mile radius of Huntington Bank 's corporate office. I have called and pleaded with this company to do the right thing and provide me with money that was never theirs. They refused. I asked to have them do an Electronic Funds Transfer from their bank to mine. They refused. I asked for them to make the funds available for withdrawal at a local branch. They refused. They have my title and my money - they are taking no steps ( other than standard " It's in the mail, what else do you want from us '' ) to resolve this issue. I expect that if a company finds their process failed, they would do what they can in order to do right by the customer. I feel that not only is this not in Huntington 's process, the representatives they employ are beholden to a corporate motto and can not think/deviate from this process. If this situation were reversed, I would be assessed a daily fee until the funds were deposited to them. The irony of a bank being late paying a consumer and using the phrase " the check is in the mail '' should not be lost with anyone. I hope that this example enables a quality review of their practice and processes when something doesn't go correctly. I hope that this complaint is the only one of it's type that Huntington has to deal with. I hope that Huntington truly values customers as their vision says " At Huntington, we see it as our responsibility to look out for people. Theres a common bond that connects us all as humans, and together, we can make this world better. '' I don't feel that in my situation, Huntington is holding up their vision - I feel that Huntington doesn't take any responsibility to fix their error, simply put - they *might* send the check in the mail.
The former debt that is being collected on was dismissed in a bankruptcy. I have told the callers many times, and now I am receiving letters. 
What can I do to stop this?
WELLS FARGO BANK took my money in agreement to remove item from my credit report, but have fail to do so. And has continue to report faults/and inaccurate information. I consider this to be a defamation of character.
XX/XX/XXXX : I noticed by reviewing my credit report that a new credit card account had been opened, without my consent. I did not open the account, nor did I receive any credit card in the mail, and therefore did not have an account number to refer to. 

XX/XX/XXXX-XX/XX/XXXX : made several attempts to contact HSBC and close account, with no success. 

XX/XX/XXXX : wrote letter to HSBC demanding the account be closed and a letter mailed to me stating such. I filed a police report. 

XX/XX/XXXX : I still have not received any correspondence from HSBC, and have never received anything from HSBC.
I have had several incidents with  Key Bank  where they take the debits before the credits on the same day. As I have looked over my statements, they have done this for years, I just did not know the law. When I caught this finally in  XXXX  o f 2017 th ey refunded  XXXX   ( 3  XXXX   XXXX  ). Yesterday it happened again, a deposit and check on the same day. It appeared online as they both went through yesterday a deposit of  XXXX  and a check of  XXXX . They charged me  XXXX  fee. I deposited at  XXXX  ish and the check had not yet went through. They said its all timing. So my total deposit was n't ready until this am and the check went through sometime after  XXXX   XXXX .     I called corporate and talked with  XXXX  who told me I have to try and get the refund back from my local branch.     Completely frustrated.
On XX/XX/2016, I applied for a Citibank Gitigold Interest Checking Account with a XXXX promotional offer ( XXXX ). The offer was sent to a friend - not to me. I mentioned that detail to the account representative at the time that I opened the account and was told that I still qualified for the offer. I completed the promotional requirements by XX/XX/XXXX and waited 90 days for the points to post. When the points did not appear in my account, I sent a message to Citibank to confirm that I would be receiving the points. Citibank opened an investigation and determined that there was not ThankYou ( R ) Points promotion offered in conjunction with the opening of my account. On XX/XX/XXXX, I contacted their customer service department and spoke to a representative who told me the same thing. 

I understand that Citibank wants to limit promotional offers to targeted customers, but when I mentioned that I did not directly receive the promotional offer at the time I opened the account, I was not informed that I did n't qualify. Further, I did not receive any disclosure in the account opening documents or over the phone that indicated that certain individuals could not qualify for the offer.
I was charged double interest. 
I paid last statement in full and also prepaid a portion of the current statement ahead of the closing, still XXXX XXXX charged me interest, XXXX calls routed to XXXX were disconnected, and XXXX call to XXXX still waiting, I am in hold for over 100 minutes .... 

I request a full credit of {$25.00} for interest charges that it should not have been, their explanation is that the go back two month.
Hi i have contacted the agency that placed me in collections for {$35.00} has been contacted and i have already sent a dispute stating this debt is not mine. 
Please help assist me in the removal Of this from my account thanks
I attempted to transfer {$1100.00} from my external non USAA account ( XXXX ) and {$100.00} was placed on hold without warning or cause. Now USAA states they can not reverse or stop this.

I understand this hold may be based on a few variables ; this limit is determined by the system and is based on the 3-month average balance of all accounts in the relationship. However, I can not fathom why only a small fraction ( {$100.00} held out of {$11000.00} ) I am confused to why only {$100.00} was held, why is that? Accurately and thoroughly explain the funds availability schedule, why funds were not available ( Delayed ), and when the funds will be available. 

This is my XXXX account, which I pay my USAA Auto Insurance through as an ACH auto debit every month. I also have transferred from this external account ( XXXX ) before many times, not this amount but nevertheless I have made EFTs from here before. Working for a bank we do have exceptions processing unit, or the electronic transfers unit that can assist with placing a stop on the transfer or merely not accepting it.
Debt was paid on XX/XX/XXXX, received court summons on XX/XX/XXXX. On XX/XX/XXXX contacted portfolio recovery associates llc placed the call at XXXX, was transferred multiple times and talked to XXXX XXXXXXXX who placed me on mute and ignored me. Before doing so XXXX advised the account is closed and paid in full but can not tell me when a dismissal was sent but it was sent. Im being sued for a debt that has already been collected, and they refuse to issue the dismissal to the court and told me to call to dismiss. I can not dismiss this court case now I have to waste my time going to the court house to defend myself against this debt collector who wants to collect twice.