WillisBack/dataset-financial-user-claim huggingface dataset:
To whom it may concern. 

Bank of America which I have had an account with for over a decade has recently been holding my funds and causing my bill pay to incur fees on me. Specifically the last check I deposited, for {$3500.00}, has a 2 week hold placed on it and BOA is telling me that they can not release the funds until Bank of America receives the funds. Fortunately the check is from my companies business account so I have verified with XXXX XXXX from XXXX XXXX XXXX, XXXX XXXX XXXX that the funds have indeed cleared, been removed from my business account and have passed thru the Federal Reserve so the only place they can be in in Bank of Americas hands. I placed this deposit on XX/XX/2018 it is not XX/XX/2018 and they are still insisting that they have not received funds. I have been to the XXXX XXXX BOA branch 2 times and called corporate 4 times to get this resolved. All of them insist that the funds are not there. 

What is really happening is that I have an S-Corp for years I have co-endorsed my business checks and just deposited then into my checking account with BOA as a S-Corp allows for the co-mingling of funds. About a month or so ago they held one of these checks ( ran up fees on me, which I did not complain about ) and told me it was not allowed and that I had to open a business account. When I told them I had been doing it for years the person at corporate tersely told me well you finally got caught as if I were scamming them. Fine company policy is company policy, but I decided that I would not be opening that business account with BOA so I opened one last month with XXXX. I wrote a check from this account to my personal account and did not account for a fee so it NSFed. That is completely on me and as soon as the funds were available in my business account again I went down and had XXXX issue a cashier 's check, took it to Bank of America and cleaned up the mess. This was completely on me and I dealt with the issue. Now they are using this as an excuse to hold my check I deposited for two weeks as nothing more than a punitive measure and to rack up fees. There is no uncertainty that Bank of America has those funds as it has been confirmed with XXXX, they have had them since the XXXX. As at this point I would stop payment on that check, return it to my Business account and move the money via cash to my BOA account to cover funds.
I sent a wire on Thursday XX/XX/2017 of {$3000.00} to a compay Coinbase , Inc,  located at : XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX, CA XXXX It states clearly on their website : " Bank wire transfers may be credited to your XXXX account on the same day if submitted by XXXX PT. Otherwise, funds will be available after one business day. '' Its a week later now and i havent received the money in my account. I called the comany there is always at least a 30 minute wait and they tell me they have an outage and they dont know when it will be fixed! Meanwhile my money is out of my account for a week already.
Hi, My name is     XXXX   XXXX     and this debt of {$30.00} was a medical co-pay from  XXXX  /   XXXX   when I had back surgeries. I was never notified and have no clue when this collection agency has put this derogatory remark on my credit report. When I called them, they tried to multiply the {$30.00} co-pay that was paid by a entire year and said I now owe {$360.00} and that 's what they wanted. I 've never been without medical insurance and never had a problem in the past with a co-pay, but they are impossible to speak with, rude, foul and unreasonable. I 've asked them several times to please validate the dept and that they ca n't do! Can you help at all, there was a link from creditkarma to your web site? Here is a copy and paste of the derogatory remark, which destroys my credit report. It 's not reported to  XXXX  or  XXXX , only reported with  XXXX . Thank you,   XXXX   XXXX    XXXX  my e-mail These are the collections accounts that are reported as open on your credit report.   Agency Open   XXXX   Balance Open Equifax Balance STATE COLLECTION SERVICE , INC {$0.00} {$30.00} 0 accounts reported on    XXXX   XXXX   XXXX    1  account reported on    XXXX   XXXX   XXXX    This agency did not report an open account to this bureau.   Open Account  # 1 {$30. 00} Balance  XXXX   XXXX  Original Creditor {$30.00} High Balance   XXXX   XXXX   XXXX   Opened Date   XXXX   XXXX   XXXX   Last Reported Individual Account.    Responsibility Consumer disputes this account information Medical Remarks Note See something wrong?
1. NationStar Mortgage maintains that the XXXX or XXXX was not submitted by me before XX/XX/XXXX.
2. NationStar mortgage admits that they had a completed application by XX/XX/XXXX.
3. But how can they have a completed application when the XXXX or XXXX was never submitted.
4. The reason NationStar mortgage had a completed application without the XXXX or the XXXX is because it was not applicable to me, because the household contributor or myself had any taxable income.
5. I am requesting that NationStar mortgage provide me with the XXXX or XXXX where me or the household contributor signed.
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6. Again Nationstar Mortgage is maintaining that they had a completed application on XX/XX/XXXX but how? If the XXXX was never turned in by the household contributor or myself?
I have repeatedly asked for a validation of the amount which was reported to all credit agencies, but they keep sending me old statements from different periods from the previous creditor, each contain different amounts, one for {$21.00} and another for {$50.00}. The statements are not validation per se. They claim I owe {$240.00} which I do not believe I owe. I then asked for validation of the amount but all they send me are copies of past statements with different amounts, as stated above, amounts which I do believe I have paid off in the past. They need to prove how they came up with {$240.00} but have not been able to do so.

The collector and all credit agencies only respond to me by stating they have already answered my questions and will not respond anymore. I can not afford a lawyer at this time.
I purchased a vehicle from a small car dealership in XXXX Arizona. I had the vehicle for a little over a year now. I went to go trade the vehicle in at a big dealership and when the sales manager pull the XXXX and XXXX on the vehicle to find the vehicle 's odometer has been rolled back. I signed for a vehicle with XXXX miles. It really has XXXX miles. Earlier last year the dealer filed a restraining order on me because he stole my wifes car and he wanted to keep me away from it while he was ripped everything that we own out of the vehicle along the sums of about {$1500.00} worth of items. The police would not file a stolen items chatge on the dealers owner. I had no way of contacting him and getting to the bottom of the situation through the dealers owner. I contacted the bank and the bank told me that I 'm still responsible to pay for the vehicle which is {$15000.00} more than what is actually worth. I finance the vehicle for {$19000.00} and the owner of the dealership knew that the vehicle 's odometer has been rolled back and still sold it to me for {$19000.00} even though the vehicle is only worth {$5000.00} trade value. I have all documents to show that this vehicle was at XXXX miles when I sign for it. The dmv has documentaion thatvthe vehicle is signed for has almost XXXX miles on it.This dealer has been doing a lot of scamming to the public people of Arizona and the state of Arizona is not doing anything to prosecute him or recover anyone 's damages, I still have to pay for the murchandise that the owner stile out of my famikystuff car. I ca n't afford a lawyer. I know I am part of a struggling working family and I ca n't afford legal representation because they are very expensive. The dealers owner has numerous law suits against him so recovering losses may be out of the question.
I received a credit report and noticed that I had a fraudulent account which was an error by XXXX XXXX XXXX & XXXX XXXX. I realized it was an error and contacted the companies to make sure it was an error because i have no history of renting any apartments I 've been living in my single family home for over 15 years now. I contacted the credit bureau along with the creditors to make sure that I was correct and that it was an fraudulent error between the credit bureau and the creditor. I explain it on several occasions by sending certified letters over to both the credit bureau and the creditors for the fraudulent account. I provide professionalism in all that I do but I am now in distress about these accounts and it 's sad that these credit bureau have falsely accused me of this account and I refuse to take blame for this. It 's annoying and it 's a pain in the XXXX XXXX. I did all the everything possible to be told the account is verified. No verified documents was sent over to me. Therefor any error on my credit report should be removed. I sent over at least 5 letters concerning this account and was always ignored.
Have made previous complaints regarding Portfolio Recovery. 
They received cease & desist order XXXX/XXXX/16. They violated order twice. Today call I missed ans. machine picked up, hang up. 
I called the # back, Phone answered " Thank you for calling Portfolio Recovery, this is an attempt to collect a debt ... an operator will be with you shortly ... '' Spoke with a person named XXXX, advised her that I was recording the call, She informed me that she had no record of my name & ask if I was sure that that this was the phone that I received the call on? She stated that perhaps they were trying to contact someone else ( that is their tactic ) they always ask for someone other than myself ) I informed her that this was the 2nd violation since cease & desist order was in place & to take me off their list, also that I would file report w/ CFPB. Have also filed complaint w/ " Do Not Call Registry '' Since they have no record of me, it is not a debt collect. This is Phone harassment that must not continue! I keep a phone log of my calls & have a sound file of last conversation. The # I was called from was XXXX. Reporting these violations alone does not seem capable of stopping them, they are breaking the law not only w/ me but other consumers across the US ? Stronger enforcement is needed. I plan to seek an attorney to represent me in this matter. Here I am again one more complaint filed.
On XXXX/XXXX/XXXX I was hospitalized. I pass out at work and admitted to XXXX XXXX XXXX XXXX. I was discharged XXXX/XXXX/XXXX. The total amount of bill {$11000.00} after all insurance payments. I was left with {$4900.00}. I was paying {$100.00} every 2 weeks to Franklin Collection Services ; XXXX. XXXX XXXX, XXXX, XXXX . I lost My Job From XXXX XXXX XXXX XXXX XXXX On XXXX/XXXX/XXXX. I was only receiving unemployment and part-time work at XXXX. Excess phones call and threatening legal actions from representatives. XXXX. I have paid {$1000.00} to the account but on XXXX/XXXX/XXXX the representative stated I owed {$4600.00} and I am out of work once again XXXX/XXXX/XXXX lost job.
I did not complete an order with TransUnion ( no 'complete ' or 'finish ' button was hit, I exited the website before completing any transaction ) yet my card is being charged, there is no way to remove my card from the account, and they will not cancel my subscription until XX/XX/2017. There are no resources to deal with this issue. I am being cheated and am concerned this con site will charge my card further since I can not unlink it or completely delete my account.
I XXXX XXXX XXXX have information belonging to a XXXX XXXX XXXX on my credit report. I would like this removed. I get calls all the time for this lady. Our Social Security numbers do n't match. 
No match of our DOB. I would like the credit bureau service to know this is hurting my good credit. Just because workers are so fast not to pay attention to correct information. Please remove XXXX XXXX XXXX information of my credit report. Obvious this lady has bad credit and its needs to be on her credit report. Now I got people calling giving me a hard time. I was XXXX XXXX XXXX off my credit report.
XXXX XXXX in turn sent this unverified account to a National credit Systems , Inc and which they have not provided me any Contract or Lease to verify that I owe to XXXX credit Bureaus XXXX. There is n't any proof of what there claiming
RE : REQUEST FOR REMOVAL OF INQUIRIES To Whom It May Concern : Section 609 [ 15 USC 1681g ] of the Fair Credit Reporting Act of 1970 provides that your credit bureau should send me all information on file that led to my credit application being denied. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], there should be no charge for this information. 

Please remove the following inquiries from my report I have no knowledge of these companies. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  If you have any questions or need additional information, please contact me at address noted below.

Thank you.

Sincerely, XXXX XXXX
PNC 's has failed to comply with Dodd Frank regulations relative to loss mitigation underwriting. On XXXX XXXX, XXXX, counsel for the borrowers received a letter dated XXXX XXXX, XXXX from PNC 's Counsel. At no time prior to XXXX XXXX, XXXX were borrowers provided with this letter. On XXXX XXXX, XXXX borrowers law firm provided additional documents to PNC in response their request for additional loss mitigation documents. Given this XXXX XXXX, XXXX submission, PNC was required to respond on or before XXXX XXXX, XXXX as required by the XXXX enacted provisions of the Dodd-Frank Wall Street Reform and Consumer Protection Act ( Dodd-Frank Act ) Public Law 111-203, 124 Stat. 1376 ( XXXX ) ( XXXX XXXX XXXX Final Rules ) Regulation X, which address servicers ' obligations regarding mortgage loss mitigation options, loss mitigation policies and procedures and evaluation of applications for available loss mitigation options. No such timely response was received. Next, the letter of XXXX XXXX, XXXX does not specify what documents were missing or what was incomplete. The letter stated in pertinent past as follows XXXX We have completed our review of your hardship assistance request under the Making Home Affordable Program ( MHAP ). However, we are unable to proceed further with your request for assistance, for the following reason ( s ) : - Request Incomplete We are unable to offer you a Home Affordable Modification because you did not provide us with the documents we requested. A notice which listed the specific documents we needed and the time frame required to provide them was sent to you. 
XXXX However, no such notice was provided with this letter and all prior requests for additional information were fully responded to, with counsel for PNC acknowledging receipt of the submission and confirming transmittal to PNC directly. 
Borrowers contend that this was a constructive denial of a modification. PNC has not complied with Dodd Frank regulations in connection with this modification application.
l been having problems with  XXXX   XXXX   XXXX  now  Caliber for 5 or  6 years. Back  in 2009 i los t my job got behind  3  payments. So they told me to apply for modication. While working on it i offer to pay up but they told me not to and still getting further behind. During this process i went through several agents and got the run around. So i had to filed bankruptcy to save my home which got me further in  debt.I paid 3  and half years (  XXXX  )  XXXX  a month.So i had to get out cause i could n't afford it .Recently i been applying for modification and getting the run around. The one tlime i did get it they released me cause of no payments but i sent it and got the receipts to show. So i do n't know where my money is .Now i am trying to hold to my house while stiill getting the run around.
This complaint is being filed in response to the discovery that my information was likely among those compromised in the Equifax data breach that recently occurred. 

I discovered this breach on Friday XXXX/XXXX/XXXX and placed a freeze on my credit immediately thereafter. I 'm waiting to hear about next steps and have contacted my bank to establish next best steps.
I closed my checking account with this bank last year and made sure the account was closed with a {$0.00} balance. I 'm now seeing that they are reporting a charge off amount for the account! Nothing was owed to them and they would n't even let me close the account with funds still in the account which had to be withdrawn or spent, so how is it possible to charge off an account that wa s MY  money??? Not only that, but since the account has been " charged off '' the balance is continuing to increase. Also, this same bank pulled my credit as a hard inquiry in  XXXX  of   XXXX  , even though I do n't have any accounts with them or ever gave them permission to run my credit.I live in a state that this bank is n't even in and have no need for their services so I would n't have been looking to take a loan out with them.
I obtained a loan from Tower Loan on XXXX for the amount of {$2500.00} for funiture that my son needed. 
My son was making the payments on this loan and I was n't aware that he was behind on the payments. ( I still have n't seen proof of the fact they say he was behind ) When I became aware of the late payment, through a phone call from a representative from Tower Loan, I got a copy of my credit report dated XXXX XXXX, XXXX and there were no late payments reported on that credit report. 
I started receiving calls from Tower Loan representatives in XXXX, XXXX threatening to sue me because I had n't made these payments. They would call me at work, and on my cell while I was working with patients. I only answer calls while I 'm at work if they could possibly be emergencies from family members. Since I did n't recognize the numbers that called, I would answer. ALL of the representatives from Tower Loan have been abusive and agressive in their communication with me. One representative imparticular told me he pulled my credit and that it looked like I was " running around town getting loans and defaulting on them ''. I would explain that I would call them back after I got off work and they would yell and scream at me, telling me that they were going to sue me. 
First of all, I NEVER gave them permission to pull my credit. As far as defaulting on any loans, that is simply not true. 
I have been fearful of answering my phone since this started and I should n't be made to feel that way, since I pay my cell phone bill, not them. I find it hard to believe this is a legal way of collection practices. I have read the Fair Debt Collections Practices Act and it seems that this is highly illegal. I have since hired a credit expert and she is helping me get all of this mess handled. 
I am sending a copy of this to the FTC in hopes that someone can stop these people from doing this. 
Thank you for your time
Experian and XXXX XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
My bankruptcy was discharged on XX/XX/XXXX and One Main Financial was included in the debts that were discharged.  They sent an email on XX/XX/XXXX about the debt but the email was for informational purposes only ( per their statement ). I called them on XX/XX/XXXX and told them to stop sending me emails because the debt was discharged. 
On XX/XX/XXXX I received a letter from One Main Financial dated XX/XX/XXXX about my accounting activity and having a Principal Balance as of XX/XX/XXXX of {$4400.00}.
Received multiple phone calls from people identifying themselves as from a " portfolio group '' and that I had passed a bad check with my SSN on it. I have n't had checks or written a check in over 8 years. Other information online reports similar ridiculous claims and harassment. They call multiple times a day from different cities and states. Continued harassment will result in legal action.
I am getting collection notices from a company call LoanCare that I am behind in my mortgage payments. I get a call each day, but the last digit on the phone number does not register on my phone.But I have an auto save on numbers calling in as proof. 
LOANCARE XXXX, VA XXXX I do not have any contractual relations with this company. Only collection notices, see attached samples. I pay my mortgage each month to another company on time.
Sent a request to MicroBuilt to place a freeze and suppression on my consumer file as well send me a copy of my full consumer report. Have not heard anything back. Please see attached file and fulfil my request immediately thanks
I called  XXXX  on  XX/XX/XXXX   he did n't find the account numbers listed no reslove
On or about XXXX XXXX, XXXX I received a bill from Wells Fargo for {$75.00} to continue my {$100000.00} HELO, which I have never used. I called their customer service number about the charge, which I did n't recognize. They confirmed that I had paid it for the last several years. I did n't remember doing so, but I accept that I may have. Since I have never used the HELO, I said I would prefer to cancel the account rather than pay the {$75.00} fee. The agent told me she would waive the fee if I kept the account, so I agreed. This was on a recored line. 

XXXX XXXX XXXX XXXX ) I received a bill for the same {$75.00}. At about XXXX, I again called customer. The first time the call was cut off while on hold as the agent " reviewed the situation. '' On the second call I was told that indeed, on XXXX XXXX I was told that the fee would be waived, but that request was rejected because the fee is in my contract. Of course I was never informed of this change, so now the {$75.00} is past due. The agent then transferred me to a " different department '' so see if they could resolve the issue. No resolution. Given this change, I asked to then cancel the HELO. So I was transferred to a third person to close the account. 

When speaking to that person, he said he would waive the annual fee, but that I would need to pay a {$75.00} fee to cancel the lien on the loan! I asked him to read that clause from my contract. He would not, but said he would send me the contract. 

I am a Wells stockholder, and have read about the predatory practices of the bank. But here I have experienced them first hand. I have made 3 calls to simply cancel this HELO - which I never used - and I ca n't seem to get it done without Wells Fargo trying to extract unnecessary fees. 

I am indifferent as to whether I keep the account or not. I simply want to stop paying unnecessary fees.
I signed up for the Citi ThankYou Preferred credit card, which advertised XXXX Citi Thank You Points as a signup bonus. I signed up in XXXX XXXX, and should have received the points in XXXX XXXX. I chatted with customer service reps in XXXX, and again in XXXX, and again in XXXX. Each time they said I should be getting the points soon, but as of today I still have n't received the points.
I have requested Diversified Consultants, Inc. to provide me with proper verification of the allege debt they are claiming I owe them. I have not received proper verification and requested that if Diversified Consultants, Inc. could not provide me with verification to remove this negative trade-line from my credit history. Diversified Consultants, Inc. has failed to honor either of my request.
Threatening to put me in jail, some fantom company posing as the US government, the phone number is XXXX thanks.