WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX   XXXX   account that was opened  XXXX  was charged off in  XXXX . Item was paid in full  XXXX   XXXX . Equifax and   XXXX   are both still reporting this account as late for a payment status instead of paid. Also, Equifax is incorrectly reporting as " failed to pay '' for  XXXX ,  XXXX  when there is nothing left to pay. This account was paid off 3 months ago for the full balance due.
I have already complained to the OCC Ref. XXXX XX/XX/XXXX, and XXXX dated XX/XX/XXXX.  I now learn I should have complained to you. 
On XX/XX/XXXX The Bank of America closed my checking account without warning with a balance of {$33.00}, XXXX in credit. They claim I did not respond to status questions via my cell phone, but not by email. However I am not in the USA at present, so email was the only way of contacting me.I have banked with Bank of America for ten years with an unblemished record. I have waited for 20 days now to receive a check which has not been forthcoming despite an almost daily stream of emails to XXXX XXXX, Resolution Specialist, Case ID XXXX. 
I am at my wits end, because I am clearly getting the runaround from these people. 
I would like to email you a complete thread of my emails to them and their replies to illustrate the scale of the problem. They are a complete disgraces
I only have one Employer. I work full time for XXXX XXXX XXXX since XX/XX/2014. All other employers listed on my Report should be removed. Thank You.
Due to the fact that my situation is not properly available on this site as a choice to select above I have been violated by Amcol System Inc. Amcol System Inc. does n't have the rights to collect debt in the State of Texas ? They are not abiding by the Law accordingly to the State of Texas and they supposed to remove themselves from my credit report by sending a letter stating to the Credit Reporting Agencies that they need to be removed. So, I checked the Secretary of State Texas Debt Collections Division website and found out that Amcol System Inc is breaking : " Texas Finance Code section 392.101 which prohibits a third-party or credit bureau from engaging in debt collection in Texas unless the third party debt collector has obtained a surety bond and file a copy of the bond with the Office of the Secretary of State. Also, you can not operate in the state of Texas with a P.O. Box '' I am in need of another Investigation to remove them from my credit report, please. In fact, I need all account that they have in their office under my given social security number and first & last removed.
On or after XX/XX/2018, I contacted Citibank with a complaint regarding non-accessibility to online banking. The representative gave me a number for technical support and informed me to contact them directly. I asked her if she could enroll me in automatic payment deductions from my checking account in the amount of {$170.00} per month and the balance fall under that amount, to take whatever the balance was at that time. She took my bank account information and stated that it was set up to come out on the XXXX of every month. 

On or after XX/XX/2018, I was contacted by a collector from Citibank that was seeking a payment on my account because it was late. I informed her that I was signed up for automatic billing and that I shouldnt be late. She stated that my account was never set up and that no payment had been received. She agreed to waive the late charges and she took a payment. I asked her, if she could re-enroll me for future payments and she took the same information as the previous representative and stated that it was setup properly. 

On or after XX/XX/2018, I tried to go online and setup my online banking to no avail. I called Citibank and I was told that it wasnt restricted and that a payment was due. The rep went on to state that my account was not enrolled in automatic billing. He went on to state that he did not see it in the system that I was ever enrolled. So every month my account is being labeled as late which automatically has disqualified me for line increases. Its absolutely egregious and without merit. I am currently requesting that all late charges be abated and for the internal reporting of my account be reset to a Never Late status, so that I can qualify for a line increase. Additionally, my account is being reported as over the limit and this has caused my credit score to drop 79 points.
XX/XX/2018 XXXX XXXX XXXX reported unrecognized hard inquiry on my XXXX   credit report
Approved Merrill Lynch - Merrill Lynch XXXX XXXX and XXXX XXXX XXXX, your credit card application has been approved! You will receive your credit card within 7-10 days and the Welcome Package within 10 to 14 days at the address you provided. Application type Online Application ID XXXX Application date XXXX/XXXX/XXXX Decision date XXXX/XXXX/XXXX Bank of America on XXXX/XXXX/XXXX denied for this account after it 's been approved saying that my account has already have too many " significant accounts opened '' after I was approved by the XXXX team at BofA on XXXX/XXXX/XXXX.
XXXX  XXXX and Experian are reporting 2 hard inquires which I need validation for or please remove : Inquiry : XXXX Date : XX/XX/XXXX Inquiry : XXXX Lease Only Date : XX/XX/XXXX
I have multiple inquiries on my report all datedXX/XX/XXXX, inwhich I don't have any knowledge of, and according to the law of the FCRA if this is not met with tangible documentation then said accounts and/ or inquiries shall be removed.
I was never received any notification that would be charge a membership few and on top of not getting a notification, I was charged a late fee.
-XXXX I opened a brokerage account with Merrill Lynch, containing stocks and cash.
-This account has been accruing since then XX/XX/XXXX I received a letter from Bank of America Merrill Lynch stating that this account is in danger of being transferred to the State of Florida as Unclaimed Property, unless they receive documentation, not in my possession, by mail before XX/XX/XXXX.
This company has been leaching on my credit report for several years. I 've paid this account in full never late or missed a payment.
Glenn Associates representative contacted me and asked if i was aware that XXXX XXXX had entered a judgement against me i said no and that it was impossible because it was an old debt, she continued on to tell me that they have twenty years to do so. She stated that i should look on public records with the account numbers. I have not been served with any papers and their tactics are bogus.
I contacted Online Collections in reference to a letter they sent me stating I must contact them in order to prevent this debt being placed on my credit. I spoke with '' XXXX @ XXXX '' on XX/XX/XXXX,2015 and the following was agreed by XXXX us. In order to prevent this from appearing on my credit I had to set up 4 automatic withdrawal payments in the amount of $ XXXXwith the first payment being withdrawn that day. I gave her my bank information and she immediately withdrew XXXX from my account. She assured me that this now would not be reported on my credit. She set up 3 additional autodraft payments for the remainding balance. I checked my bank statement and confirmed Online Collections had indeed withdrawn the {$110.00} payment required to keep this off of my credit. I did exactly what was agreed upon to insure this would not be reflected on my credit. Today XXXX XXXX XXXX, 2015 ) I see it is on my credit report as of today. What can I do when I kept my part of the agreement and the collection agency lied and did not keep their part of the agreement.
I am currently on payment plan where {$70.00} is automatically deducted out of my bank account on the XXXX of each month by Navient. In the month of XX/XX/XXXX, Navient did not deduct {$70.00} from my account as they had been doing for the past year and a half. As of XX/XX/XXXX I received a letter from Navient stating my account has defaulted and I currently owe them the full remaining balance of my loan. I have attempted to call them multiple times and have been unsuccessful with reaching a person to speak with. This is not the first time I am having an issue with Navient. Over the past few years I have received wrong information, been denied repayment options, and have been threatened by them regarding re-payment.
On or about XX/XX/XXXX, I called XXXX about my XXXX XXXX XXXX XXXX black phone ( SN XXXX ) breaking, using the accidental damage coverage I had on the phone. They accepted the claim and sent me a new XXXX XXXX XXXX XXXX black phone ( SN XXXX ) The new phone ( SN XXXX ), I received on or around XX/XX/XXXX did not work. The radio would not pick up the cell network. I did another RMA with the XXXX store now ( synchrony financial funded ) and they proceeded to send me another phone ( SN XXXX ). When I ordered this phone I was required to put a deposit down in case it was not returned. 

As of now, both phones were mailed by their respective deadlines. I then called and confirmed on or around XX/XX/XXXX to confirm both phones were recieved, and the XXXX store gave me an affirmative response. 

Now when I have called to check my balance on my Synchrony Financial card, they have charged me the full price of the phone that I returned to them via RMA. 

I do not have this phone in my possession, they did not take the charge off, and are not working with me. I have attempted to remedy this numerous times with no luck. They have charged me {$980.00} dollars I do not owe. 

I have requested they take the charge off and they have not. 

I have attached the tracking information showing the items were received.
XX/XX/XXXX I had a XXXX and was not able to work. I contacted Sears - CBNA to let them know I was going to be late. At that time I was forwarded to a department who asked how much I could pay each month and if we went into a payment plan and I paid it monthly we would be able to maintain the plan. I made each payment on time with auto withdrawals and completely paid the debt off XX/XX/XXXX. At that time my credit report showed paid as agreed never late. Once the balance was completely paid CBNA / Sears notated my account was late 11 times in a row of 60 days and 9 times in a row of 30 days late. When I disputed they said even though I paid on time and paid what they sent me bills for monthly it was still not enough and that is why it showed 60 days late. I paid every bill they sent on time until there was a XXXX balance. I paid the balance off early.
I cancelled my  XXXX  account and paid the final monthly bill many years ago. For reasons that still have never been explained, there were additional charges.  XXXX  decided I owed them money while I was living abroad and never once contacted me by mail, phone or email about a debt. I was horrified to see it on my credit report a year later and immediately paid so it would not further harm my ability to get approval for an apartment.  <P/> They agreed that because I had paid quickly and they had no record of phone or email correspondence that they would erase the notation from my credit reports. Instead, it remains on my credit report as a paid collection with all  XXXX  bureaus -  XXXX ,  XXXX  and TransUnion.  <P/> To add insult to injury,  XXXX  made a hard pull on my  XXXX  credit report  in 2015. T his was years after I had terminated my relationship.  XXXX  had no credible reason to view my account, and   XXXX    had no authorization to share it with them.  <P/> In recent months, I have had a credit card number stolen and multiple fraudulent inquiries and mailing addresses added to my credit reports due to the clear attack of identity thieves. For all I know, this inquiry was due to someone stealing my credentials and trying to fraudulently open the account.  <P/>  XXXX  and the  XXXX  credit bureaus continue to report misinformation on the old account and, in   XXXX   's case, the fraudulent inquiry.
I have a Federal Student Loan and a Parent Plus Student Loan. 
When My son Graduated from College he could n't find a job. 
I have been supporting my son. 
I am employed. I have tried over and over again to pay these loans. Every time I receive an e-mail and they Navient tell me what I have to pay, when I call to make the payment is it always 99 % of the time a different amount than they sent in the email or on the payment slips mailed to me. I have been on the phone for hours trying to get this straight. 
Everyone tells me something different. Whether they are in XXXX or the US it is never the same. I made a payment XX/XX/XXXX for {$330.00} for XXXX loans as instructed and today they told me I did n't pay on XXXX of the loans. And could not tell me what was going on in my account. They asked me to fax proof of my payment. 
I had to request an Administrative Review in XX/XX/XXXX to the XXXX. They said I did not pay but I did pay XX/XX/XXXX. 
Then they sent me an approval for a forbearance XX/XX/XXXX 
When I called no one knew what i was talking about. 
on my credit they have so many late and XXXX loans with Navient. I have XXXX not XXXX. 
All of the late they have listed is not true. When I call to make a payment they always have a totally different amount than what they told me to pay. Not some time but always.
one of many included seeing a XXXX XXXX XXXX address that was never s place of residence. and i did lostle my wallet.
They have been asked repeatly for the last 18 months to produce a signed credit appl, a loan repayment or loan document that has my signature they can not because I never signed one removal of account and XXXX damages for failing to comply with FDCRA
I have over {$1600.00} in cleared funds with paypal and need {$50.00} for a rx they have an instant transfer service that usually transfers the money in 30 minutes or less.

i initiated the transfer and was informed that an arbitraty 24 hr hold was on my funds.

as an ex-employee of XXXX XXXX XXXX i believe this is a violation of banking rules as we had to release {$100.00} of any uncleared check to a customer depositing.

i have money with paypal and have for years and cleared money for months and NO ACCESS to my funds that i need immediately.

i think they should be fined and my monies released to me immediately. 

Transaction ID : XXXX sincerely XXXX XXXX XXXX
Abo ut 8  or 0 years, I opened a  Wells Fargo s avings account for my minor niece when she was born. At the time that I opened the account, I was told that there would be no monthly service charge for the account until my niece turned  XXXX . Starting in  XXXX ,  Wells Fargo st arted charging monthly service fees on that account ( even though my niece was still a  XXXX  ). In  XXXX   XXXX , I called to ask them to close the account. The representative told me that she would refund the late fees and close the account. That did not happen. I called again today to request that they refund the late fees and close the account. They closed the account but told me that they were not able to refund the fees, because I had to go to a branch to have them refund the fees. It seems unnecessary for me to actually waste time on the phone with them to only be told to go to the branch.  Wells Fargo p urposefully set up a system to make it as difficult as possible for consumers to get a refund with the intent that consumers will not jump through all the hoops a nd Wells Fargo  will benefit by keeping all of the fees that wrongfully assessed.
Good Afternoon, My name is XXXX XXXX. I have a business checking account with BB & T. I opened the account online, was approved and transactions have occurred since the beginning of this year. 
2 weeks ago a person in NC made a claim to BBT that they are an owner in my XXXX. Because of this the bank has blocked my activity and access to the account. BBT for the last 2 weeks has not had a representative contact me personally to explain the situation or provide a time frame for a remedy. 
The other individual 's attorney has had 2 weeks to provide documentation of proof of llc ownership and has not. 
BBT will not provide me with a time frame for how long the other side can block my account.

BBT has failed to provide any sort of customer service or involved action to provide me with details, remedy or timeframe for resolution. 
Bills need to be paid and we are 2 weeks behind at this point. 

XXXX XXXX XXXX
Original creditor, which is XXXX, turned unresponsible debt over to XXXX XXXX XXXX, in which sold the debt to, now XXXX XXXX XXXX and associates, who are now threatening to take me to court in 30 days and they told me to get a lawyer to represent me. I already have a case being looked at by you. That case number is XXXX regarding XXXX properties and XXXX regarding XXXX, who they first turned it over to.
US Bank sent me to check systems for XXXX I had made no purchases or did nothing to overdraw this account. They had no reason to damage my credit with XXXX. 
I did not get a phone call or a letter that my account had been closed or I owed anything. I have read many stories on the internet where they have done this to people. I have contacted them and they refuse to correct the problem.
I was told I wasn't eligible for any type of loan forgiveness in any manner after having XXXX   in XXXX XXXX and a XXXX XXXX school district for over 25 years. I was offered loan consolidation, which did nothing. I am currently retired and on a fixed income with an upcoming loan payment of over {$1400.00} in XX/XX/2019. This denial occurred approximately 5-6 years ago, after the superintendent of human resources from my school district completed verification of employment, etc., I was denied and told the only program I was eligible for was loan consolidation, which I have done
Twice in the past 18 months JP Morgan Chase has without cause reduced the credit line on all of my Chase credit cards to within {$400.00} dollars of the current balance, all at once. This XXXX incident they did n't notify me in advance. Their actions has caused my ratio of available to used credit to artificially skyrocket, cause my XXXX score to plummet to a level where I 've been declined employment, my auto insurance rates have increased and credit is unavailable to me at an affordable rate. I 've never been late on a payment to Chase or any other creditor. This behavior is criminal. For those of us making the effort to repay our debts and not file bankruptcy, financial institutions like Chase make it virtually impossible to do so. They are
In XX/XX/2018 after reviewing my credit file I noticed an account from XXXX XXXX XXXX {$550.00} that was opened up fraudulently. I contacted XXXX XXXX XXXX four times over two weeks about this account. XXXX XXXX XXXX informed me that they notified Experian, XXXX, and XXXX on XX/XX/2018 to remove this fraudulent account from my credit file. This account is still on my credit file as of XX/XX/2018.
I have attempted to apply for mortgage assistance with Chase several times since my Ch XXXX bankruptcy and each time I applied they gave me the only option to short sale the property or complete a deed in lieu of foreclosure. They had a realtor come look and take pics of the property in preparation of a short sale. I have been in this process since XX/XX/XXXX. I had an offer right away was almost at closing when Chase closed my file reopened the file only for the potential buyer to walk away. We had to start the process all over again with a new potential buyer willing to give fair market asking price of {$85000.00}. Chase continued to have my realtor sign papers and had the documents forwarded to the buyer all the way up until XX/XX/XXXX. Chase failed to request a postponement of the foreclosure date. When I called ChaseXX/XX/XXXXthey informed me the House was now in active foreclosure and that they tried to request a postponement with XXXX XXXX the investor and their attorney office but they denied the short sale which doesnt make sense to keep asking for documents for the short sale up until XX/XX/XXXX. I contacted XXXX XXXX Attorneys office and they informed me that Chase did not reach out to them for postponement. Im very upset because I complied with everything Chase was asking of me and to allow my home to be foreclosed on, the potential buyer who was so patient in this drawn out process now has no deal to close on. From the very beginning Chase nor the Investor XXXX XXXX has not been helpful in this matter at all.
I am currently trying to rent a small apartment with the XXXX XXXX  XXXX also I have applied at the XXXX XXXX XXXX and due to the information that was given as a requirement for the rental property I was not I was unaware of all of these issues that is on my credit that is enabling me to lease the space rent the apartment. If you research my credit history and my payment history in the last 20 years you have you will see that I have been outstanding as a homeowner with my home loan as well as the apartment rental that I have been at for the past 4 years at XXXX at XXXX and XXXX Arizona I noticed all of these charges on my credit report and I know for a fact they are fraudulent and my signature if I want any of these contracts is definitely a forge signature I have been with the same mobile device provider for over 6 years and I 've never had any discrepancies with any XXXX XXXX or XXXX all of these other mobile providers I have never had cell phone service or any service with these companies. 
I am asking that you do a thorough check and that you will be pursuant to the matter and have this disputed and removed off of my credit as soon as possible I also was informed that the maximum is a 30-day process but XXXX XXXX XXXX stated that you guys can take this off of here within the next 7 days so I 'm asking you to expedite this process and a very fair manner thank you for your cooperation and helping me Rectify this matter.
I attended college and within a few years was working for the XXXX of MN. After several years of government employment it was made aware by the State that student loans could qualify for PSLF. I applied and was surprised to learn i really only had two option for repayment under this plan.. each option would increase my payment by 300 %?? I have been working for the XXXX for 10 years and repaying with standard repayment. I requested on several occasions a " credit '' of some sort for the past 10 years of public service from XXXX XXXX. The response was no credit and i needed to change my payment ot income based thus increasing my payment again by 300 % and not paying the loan off any sooner ... feeling scammed by a " public service '' for my public service ...
I received an alert from my XXXX account saying to check my credit monitoring. I noticed that Enhanced Recovery Collections was reporting to XXXX some sort of Collections account. I do not have any accounts with this Debt Collector and do not know why they have put this information on my Consumer Report. I need to know why this was put onto the Consumer Report without prior consent from the Consumer. I am an older American who  does not know why this is normal practice with the Credit reporting agencies please stop this criminal behavior. I wish this would cease and desist pursuant to 15USC1692 c c. This crime of identity theft has been visited by the President who says that there is a travel ban on invasion of the American peoples information. Please show me the employer identification number for Enhanced Recovery and also I need to see the employer identification number for XXXX and also all of the identifications for whomever had this derogatory information placed on the Consumer Report. I have got to figure out who provided all of my personal non private information for all of the public to see. It has to be known who and what and why it has been provided. This obscene and profane language has got to stop. It is a crime pursuant to 18USC242 I must have the right to defend myself before anything is placed on my Consumer Report.