WillisBack/dataset-financial-user-claim huggingface dataset:
I specifically spoke with someone in the Risk Management department who stated that my account would continue to be suspended as long as I had delinquent accounts on my credit bureau.
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Subsequently, I was induced into paying off all debts, and a copy of my credit bureau is attached reflecting this.
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I then spoke with a XXXX XXXX on numerous said they were waiting on the credit bureaus to update. I was transferred to Risk Management who said they specifically use XXXX and once XXXX updated the bureaus to reflect my delinquent accounts were paid, my account would be unsuspended.
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I had spoke with XXXX XXXX on at least five different occasions in which she asked that I send proof via e-mail to her that I had paid the delinquent accounts off, which is also attached.
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To date, my credit bureau reflects I owe two current accounts. 1 ) Discover who I have been making my regularly scheduled payments to on time and 2 ) XXXX XXXX XXXX which is also in good standing.
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Every time I call Discover I am not allowed to speak with anyone other than XXXX XXXX. In my last conversation with XXXX on XXXX XXXX, 2017, I was told the account was not going to be unsuspended at this time due to other criteria that Discover reviews.
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When I asked what that criteria was, or if the account would ever be suspended, or what I needed to do to establish a good credit history to have the account unsuspended. XXXX XXXX responded that specific information was for internal use only and he could not disclose that to me.
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I find it a complete abuse to induce someone to paying off specific debts with the promise of un-suspending their credit line without following through on that promise. I also find it an abuse of the Truth in Lending Act, the UCC, and Contracts Law as a whole for a creditor to effectively take adverse action and not disclose to the consumer what criteria they must meet in order to stop the adverse action.
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As XXXX XXXX is the Highest member of escalations an I have been told is Personal assistant to XXXX XXXX CEO of Discover Card I believe any response to this complaint would only be appropriate to come from Discovers legal counsel as I have obviously spoken with several members of the executive management team, all of which have made promises to which they have not followed through on.
Reference previous complaint XXXX This is a follow up to the referenced complaint. An XXXX XXXX phone number XXXX contacted me to the effect that she was handling the complaint, she was going to listen to the phone calls etc. AND then she would send me a letter when the investigation was completed. I responded all well and good but what about changing my recurring payment to {$120.00} per month like I have been requesting and being told the change was made when in fact only a change for one month was made and not my recurring payment changed to {$120.00} She responds I did that already and a one time payment change for XXXX was made. At that point I lost it. She did the very same thing that the original complaint is about. Just made a one month change and just like the other customer service reps, not following instructions. She is as pathetic as the three customer service reps I complained about. Also she was rude and just kept saying it was under investigation, etc. She said a letter went out and sure enough I received it yesterday and it stated a one time change for XXXX and then it would go back to {$250.00}. I am going to write to the attorney general and the state banking commission.
Dear Sir or ma'am, Today, I spoke to a representative from Equifax to dispute a dismissed Chapter XXXX bankruptcy on my credit report, which was filed in XXXX 2006. 

However, He stated to me, " This is Federal Law and it Can not Be Removed ''. Hence, I can not dispute this item. Subsequently, he gave me the phone number to the Federal Trade Commission at XXXX. I explained to him XXXX and XXXX gave me a suspense date of seven years for this public record, and could not explain the discrepancy of their-Equifax differentiation of ten years. 

Ultimately, my complaint is for Equifax to remove this derogatory public record as the other XXXX credit bureaus have done.
I am concerned that Bank of America is not treating all of its customers equally. I chatted with a supervisor named XXXX on XXXX/XXXX/2016 employee id XXXX. I asked if I could get the late fee waived as a courtesy, I realized I accidentally made two payments within one billing cycle, after I realized the error I promptly made the payment. I chatted with BOA to explain the situation and asked that it be waived as a courtesy. XXXX stated it could not be waived as a courtesy due to my terms and conditions. I reviewed my terms and conditions while still in the chat and advised there was no mention of the fee being nonrefundable. He finally reviewed the terms and stated well it does n't have to say nonrefundable, I am not waiving it. I then asked if this is the policy for every customer and he stated it could be waived if I had a major life event. What is a major life event? Who decides if what is currently going on in my life is huge enough to qualify as a major life event? He stated it was maybe a newborn or a life event that caused me not to make the payment on time. I facetiously told him that I had a baby. He said congratulations call the customer service line explain it to them ad see if they will waive it. That brings up another issue, should n't all representatives of BOA give the same information? If this rep is willing to do nothing for me and waive a fee for someone else, how do I know that it is not based on discrimination. If he is so adamant that a fee can not be waived, why is he encouraging me to call and ask that it be waived. I also got the impression from him that BOA would just make up rules as we went along. I even asked several times are you stating that BOA does not do courtesy waivers, he just kept saying per your terms. If there is nothing in the terms I received when i received the credit card, stating courtesy waivers are not allowed and other people have received courtesy waivers, what makes my account so different?
I have been working with Seterus Mortgage Acct # XXXX to obtain a Deed in Lieu. I submitted all documentation including proof of discharge of 2nd mortgage etc. After submitting all docs a required under XXXX Seterus said they can not complete a Deed in Lieu because there are {$7500.00} in judgements against me. I believe under XXXX There is money allotted for this. I have had to declare bankruptcy and will now face foreclosure. I attempted this with XXXX and XXXX servicing. I finally received the discharge from XXXX and face this disaster. Thank you.
I have a VA loan with Suntrust and have made continual efforts to set up automatic payments. Every time I do it does n't work and I am late on a payment. They report that to my credit report immediately then start calling at all hours of the day even on Sundays. This month it happened again and though I was only a month behind they sent me a letter stating that they were going to foreclose on me in a month if I did n't have it paid by then. I of course immediately paid it, but I do n't feel as if these tactics are ethical or lawful. I am trying to refinance with a company who does n't pull such shady tactics but my credit has been affected by the " missed payments ''. I also feel like they purposefully and continually have " problems '' setting up autopay just to encourage a default on my property, especially as it is now worth double what I owe on it.
Southern management systems collection company reported a debt of {$5200.00} on my credit report with hideaway north as the original creditor. I disputed this amount with the credit bureau and they dropped the inflated amount to {$3000.00}. I further went ahead and negotiated the debt with southern management systems down to {$2200.00} with the agreement that southern management systems will remove this debt completely from my credit report and the original creditor hideaway north will withdraw their petition for a civil lawsuit against me.. I paid off the whole balance of {$2200.00} in one payment on XXXX/XXXX/2016. Southern management systems informed me upon payment that the next day XXXX/XXXX/2016, they southern management systems will report the debt to be deleted. Contrary to what the told me they went ahead and reported the debt on XXXX/XXXX/2016 as still being owed and as a result of that XXXX is refusing to remove this from my credit report even though I have sent them a letter showing the balance as paid off and showing a categoric request by southern management systems to have this account absolutely deleted from my credit report. The credit bureau can confidently confirm that on XXXX/XXXX/2016 southern management systems reported the debt as still being owed and the recorded conversation between me and the staff at southern management will also confirm their insistence on the fact that on XXXX/XXXX/2016 they reported the account as paid and to be deleted of my credit report. They have been intentionally lying to me when they know they have reported the debt as unpaid but then keep telling me the opposite. I have spent hours on the phone with both the credit bureaus and the collection company and the collection company refuses to honour our agreement.
CITI Bank I Payment On timeclosed my account without notice or confirmation. 
Account Type : Flexible Spending Credit card Date opened : XX/XX/XXXX Hight Balance : {$3000.00} ( I payment on time, Why have Hight Balance??? )
They send me this pre-selected secured loan certificate for {$5200.00}. I called to get the low and they run my credit and then tell me they ca n't approve me. This thing arrived in my mail box at a time when I need the money. For a bunch of repairs to my car. I think this company is sending out these letters in attempts to collect personal information on people who need the money. They ask for all information from bank account info and monthly bills.
Hello, My name is XXXX XXXX, I am an XXXX XXXX XXXX male student, I have realized and tried to get my credit score from various places and still have found no hope in doing so, I have been recently notified by my plan with XXXX that my credit score is XXXX, which is surprisingly low and shocking for a student that has not taken any loans whatsoever and have been in the united states for almost XXXX years now as a citizen I would like to receive and know why my credit score is significantly low. 
thank you!
I applied for a modification review with Chase on XX/XX/2015. On XX/XX/2015 my attorneys office spoke with the lender and they stated that the underwriters were requiring clarification on XXXX XXXX XXXX XXXX personal loan showing up on my credit report and paychecks. The attorneys office provided the clarification and the Chase representative stated that the file was being sent back to the underwriter. On XX/XX/2015 my attorneys office called the lender again and spoke with a XXXX XXXX, who provided the status update that the documents were still with the underwriter pending a decision. On XX/XX/2015 my attorneys office called the lender again and was given the status update that the file was actually DENIED and kicked out of review on XX/XX/2015! The office provided Chase with the information that we were given false information for the last XXXX calls to Chase and an escalations representative came on the line and stated she would ATTEMPT to send it back to underwriting but because its been so long she is unsure if it will work. Please help! We have been lied to for the last 2 months! How are we able to complete a review if they are giving false information!
SunTrust bank has stolen money by assessing charges not needed on the account. I have a Business checking and on XXXX/XXXX/2016 a deposit was made of XXXX however, the bank took all my money claiming I owed fees. The account had a beginning balance of XXXX. It is a new account that I reopen because I have a small business. I delayed from having any real activities because I have been violated by XXXX bank and XXXX XXXX involving thousands of dollars in bank fees and over draft supposedly. However if the balance was XXXX and I spent XXXX how is it possible for a XXXX to be attached to me and furthermore how is it possible to accrue a fee at all XXXX than the XXXX maintenance fee for not having XXXX in the account. secondly there was another charge of XXXX and another fee of XXXX was added. The bank took all of the XXXX and justified it off of bogus charges. I did get fast cash back off of XXXX understanding a fee would be attached. I also was expecting and still expecting a large amount social security to be deposited in my account. when I asked the bank to pay XXXX XXXX they did not pay and charge me a fee of XXXX when their is a XXXX-card logo that could decline the transaction. I was charge another extended fee {$76.00} which was not discussed during the banking process. So all my money is gone. I also have had issues with my accounts in the past and the and the bank has been robbing every since please review these personal not business accounts which the branch manger did not give me. however, once you do your investigation. please investigate all history with this company and I am convinced that they have made me pay the bank a substantial amounts of money so I can keep my name clear from and fraudulently or what appears as fraud to myself. Personal I asked for my business account to the GM did not want or said he could not give me those even though my matter was dealing with a business account. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX My telephone number is XXXX and my email is XXXXXXXXXXXX. I have been a victim of fees. I have also been a victim of XXXX
This collection agency keeps calling all day long and late hours at nights too. I have told them this is not my debt and to stop harassing & calling me anymore in the future. I have a receipt showing that I have paid this XXXX  bill in full. The last time this collection agency called, the person that called stated that I had to call him by the end of the day or actions would be taken against me the next day.
RUSHCARD ALLEGEDLY HAS A GLICH AND WE HAVE BEEN WITHOUT OUR MONEY FOR A WEEK, MY DIRECT DEPOSIT FROM WORK WAS FRIDAY, TODAY IS MONDAY AND STILL CAN NOT ACCESS MY MONEY TO PAY MY BILLS, GET GAS, FOOD OR ANYTHING, I AM ACCRUING LATE FEES FROM HAVING LATE PAYMENTS AND HAD TO BORROW OVER XXXX TO COVER MY MORTGAGE BECAUSE IT WAS LATE, THIS IS MORE THAN A HARDSHIP, ITS EMOTIONAL, WE NEED OUR MONEY NOW, CUSTOMER SERVICE IS NO HELP IF YOU CAN GET THEM, THEY HANG UP AND HAVE NO ANSWERS, THEY DONR EMAIL YOU BACK AND YOU CAN BARELY GET THROUGH ON A LINE, NO ANSWER OR IT RINGS AND DISCONNECTS, ALL NUMBERS DONT WORK, WHATS GOING ON, MY ELECTRIC BOILL IS DUE IN TWO DAYS. SO FRUSTRATED, THIS IS REALLY AFFECTING ME. I NEED TO PAY MY BILLS, WHERE IS OUR MONEY, MY PAYDAY WAS 3 DAYS AGO.
Last week, my wife was not able to use the Citibank web site to transfer funds from her Citibank savings account to her checking account at XXXX XXXX. She had used this transfer feature of the Citibank web site in XX/XX/2017. However, last week there was a very clear problem with the Citibank Web site. The error message said [ Override me please { setProperty } ].

The Citibank Online Technical support person, XXXX, ignored this message, and instead insisted that the computer my wife was using was not up-to-date enough. His conduct during the discussion was disrespectful and condescending.

Several hours later, my wife received an email message that the problem had been corrected.

The problem most certainly HAD NOT BEEN CORRECTED.

Today I attempted use the same Citibank web site transfer feature to transfer funds from my Citibank checking account to my checking account at XXXX XXXX. The transfer could not be completed. Once again, the error message said [ Override me please { setProperty } ].

I contacted Citibank through their chat feature. The Citibank representative, XXXX, stated that no one had reported this problem with the transfer funds feature of the Citibank web site.
My wife and I had a mortgage modification agreement with our mortgage servicer, XXXX, that stated that if we made XXXX trial payments at the agreed amount our modification would become permanent. After making the XXXX payments XXXX informed us that the modification agreement would not be honored because they claimed there was a judgement against our home. We made several visits to the county court house and was told that they could not find any judgements against our home. When we contacted XXXX to inform them that the county court house found no judgements on our home they told us that our loan was being transferred to a new servicer, Residential Credit Solutions, we then contacted RCS to ask if they would honor the modification agreement we had with XXXX and was told we would have to apply again for a loan modification. RCS made it clear to us that they would work with us and not foreclose on our home. After submitting the new modification package to RCS we were told it take about three days for them to reach a decision. About a week and a half had passed by with no word from RCS, so we called them and was told we were missing some documents, a couple days later we sent them the documents and several days after sending the documents we were served with foreclosure papers. The following day we received a letter from RCS stating that our loan was being transferred again to a new servicer, XXXX XXXX.
The information reported on my credit report does not belong to me. I need it removed and permanently deleted from my credit report. I have no knowledge of this information on my credit report.
I have had a Paypal account through XXXX XXXX since XX/XX/XXXX. In XX/XX/XXXX. I was fraudulenty enrolled in Card Security Debt Cancellation. I signed no Agreement or checked any boxes to give Authorization to enroll. I would have caught this earlier, but I have been coping with a diagnosis of XXXX XXXX with XXXX XXXX since XX/XX/XXXX. I am recieving XXXX XXXX and XXXX. Icalled Card Security several times since XX/XX/XXXX and was givinen excuses and being hung up on. I have a XXXX   Condition gining me aclaim for XXXX not dealing with reality. The doctors form was signed on XX/XX/XXXX.
Seven years from the original delinquency date of the debt after which it was never again current. 

XXXX XXXX XXXX XXXX is using charge off date not original delinquency date to determine the 7 year mark and has refused to remove this old debt from my credit reports.
A representative of East Point Recovery ( XXXX ) XXXX-XXXX contacted me by phone regarding a debt my son has in collections. 
I believe they violated numerous articles of the FDCPA : 1. I know they have a way to contact my son directly ; they had called him earlier the same day on his personal cell phone to try and negotiate payment. 
2. They threatened that my son could be arrested for Jewelry theft for an outstanding debt to XXXX XXXX XXXX. 
3. They disclosed my sons debt to me, and that he also has a previous arrest on his record for a XXXX. That has nothing to do with debt collection, and is just malicious to contact family members regarding legal history. 
4. Upon answering the first call, they got my attention by telling me the last 4 digits of MY social security number. At this point I informed them I am not responsible for my sons debts, that they should contact HIM, please don't call me again, and hung up. 
5. They called back on an unlisted number and asked if I still owned my XXXX XXXX XXXX. Threatening, and an obvious ploy to coerce me into paying. I informed them they have no right to any of my PII as I do not do business with them, and that I didn't appreciate them revealing my information or that of my sons without cause. This time, they hung up on me. 
6. I called the number from another phone number to obtain the name of the company, and they IMMEDIATELY called that number back also in an attempt to find out why I called. 
Altogether a very unprofessional, coercive, threatening, and maligning series of phone calls. I don't know if it is their company policy to violate the rules that protect people 's rights during the debt collection process, or if this particular employee just enjoys harassing people.
I have been a customer with Capital One Bank for over 15 years. I was notified that my checking account was frozen on XX/XX/18 after my debit card kept declining a {$35.00} transaction in the nail salon. I then called Capital One customer service on XX/XX/18 and spoke with a representative named XXXX and a Supv. named XXXX in order to find out why I could not access my account. i was told my account was in the process of being closed involuntarily and the bank does not have to give me an explanation as to why. I was also told the bank would take over two weeks to forward my remaining balance to me. I have never had a negative balance and have always maintained an amicable relationship with the bank since opening my account and any issue I have had was easily resolved via customer service or their managerial staff. On XX/XX/18 I spoke with another supervisor, named XXXX ( female ), who was very rude, to find out if my check had been mailed. She then stated the check would take seven to ten business days for me to receive it. The banks sudden decision to close my account has caused me not to be able to pay my now due bills, receive a host of return payment telephone calls, accrue late fees, and have to negotiate with my lenders and service providers of which has been quite humiliating. I am not a rich woman and I have entrusted my money with this institution. The bank never even gave me the opportunity to close my account and retrieve my money. The bank made a " big brother '' decision and now I am suffering the consequences. They knew they were planning on closing my account and they never notified me via text, email, letter, or telephone.I can not afford for this agency to force me into debt with late fees IOU 's and interest rates. And now left with no banking institution they have added insult to injury by stating they are going to send me a check. This can not possibly be legal. I believe I have a right to have my funds returned to me in a expeditiously and I deserve a reasonable reason for why my account was involuntarily closed.
I received a credit report from XXXX. In said report were reports from Navient. I attempted to dispute the report/alleged account with Navient based on the mailing address being reported. I mailed the dispute via certified mail and was delivered XX/XX/XXXX. The delivery address was not the address listed in the credit report. The credit report reflects incorrect reporting information. Furthermore, I have not received information confirming the alleged account.
i made a deposit to my chase bank through the atm machine and my funds were withheld all of them.

i made a deposit on the same bank through mobile and it was cleared a day after. the checks concerned are both the same from my employer.

how come there is a hold on t his one? all of my funds of {$2700.00} were withheld.

emailed the banks several times and got conflicting responses. first, i was told there is no hold.

second, there is a hold.

I would like to request that holds will be done on my check/s I should be given the option to cancel my deposit at the atm machine so that i can just encashed it at the bank where the check was drawn.