WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I made a mobile deposit from my XXXX XXXX  account, to my Bank of America account. Normally if I make a mobile deposit, it takes 24 hours for funds to become available. I made the mobile deposit and the money was withdrawn from my account on XX/XX/XXXX. I called Bank of America the next day wondering why it was not showing in my account yet and they advised me that there was a hold placed on the funds. When I asked them why she advised me it was a problem with XXXX. I called XXXX to ask them what the issue was and they advised me that there was no issue and that the money had already been taken from my account. I called Bank of America back and they advised me that it was going through 'clearing house ' and would be clearedXX/XX/XXXX. I explained to them that that was no an acceptable time line. I opened this BofA account when I moved to NC because it was convenient. If I would have known or been warned of the possibility of the funds not going through in a timely fashion, I would have chosen another method of depositing to the account. I asked to speak with a supervisor and was told they would be able to do nothing about my issue. I asked for a supervisor anyways and received a call back from XXXX. XXXX  advised me that something in the system triggered a hold on my check and there was nothing they could do about it. I respectfully asked to speak with his manager. He advised me that noone would be able to override the decision to hold my funds. I advised XXXX that I would need to hear that from his superior. I also advised him that I've worked in call centers in the past and I did not need another supervisor/peer of XXXX but a manager/superior to XXXX. I received a call the next day from XXXX, who I stopped right away and asked if he was a manager or supervisor. He said he was a manager. I asked him to clarify if he was a XXXX peer or superior, he confirmed that he was indeed a peer of XXXX. I explained to him that I specifically asked for a manager, not another supervisor. XXXX went on to say that noone was going to change the decision. I asked him to speak with his manager and not to give me another supervisor. He placed me on hold while he 'looked for a manager ', came back a few minutes later and said noone was available but he could offer me a call back. I have been waiting since ThursdayXX/XX/XXXX to hear from this manager. As of today XX/XX/XXXXmy money has been MIA since XX/XX/XXXX. Not only do I not have access to MY money, but the very transactions I deposited that money to cover are coming back to me as returned now. My landlords check bounced as well as several debit card transactions. I can not understand how XXXX XXXX can have released my money to BofA on XX/XX/XXXXbut there is something else that they need to verify in order to deposit MY money into my account. On top of that, the lack of discipline and disappointing customer service practices along with flawed escalation process in this ONE scenario is staggering. I will not be a customer long.
i have written both Cap one and XXXX ( XXXX XXXX  ) advising them to remove these accounts that I didnt authorize in my name. I was XXXX  some time ago and during my XXXX time someone used my name to obtain credit. I explained this to all creditors and they all followed protocol of removing the blemishes all but these two creditors. I am trying to move on with my life and I cant with this hanging over my head.
When I applied for my mortgageXX/XX/XXXX, I spoke to several mortgage lenders and made many comparisons. The reason I chose Movement Mortgage, over another lender, was the fact that my mortgage officer, XXXX XXXX, assured me several times that I could make biweekly payments on my mortgage. Even at closing, onXX/XX/XXXX, XXXX assured me that when I receive my statement, I can call to set up biweekly payments with his assistant or by calling customer service. Again, this was mentioned several times during the mortgage process. However, I received the statement and was told that I could not set up biweekly payments when I called customer service today, XX/XX/XXXX. I am very upset that I was mislead with this information by XXXX XXXX dishonesty because he knew setting up biweekly payments was a deal breaker to choose Movement Mortgage. Attached is a picture of text messages between XXXX  and myself where he guaranteed this could happen.
Navy federal is trying to charge me recurring overdraft fees. not letting me close account, not stopping outgoing transaction ( some of them are suspicious due to my wallet got stolen ). give excuses to not helping me and keep activity going on so they can keep charging us. we are in recurring cycle now that we aren't able to stop. They don't let us take our money out. they don't let us close account. dealing with them over a month and looks like it will never stop. I think I am working for navy federal. just to give you an idea, every other bank, utilities, and companies help me exceptionally in my bad time ( wallet got stolen ), where navy federal is still taking advantage, even after a month as much as they can. our transaction was posted on different days specifically so that they can charge maximum overdraft protection fees.
Select Portfolio / XXXX XXXX as Trustee on be half of XXXX XXXX XXXX XXXX XXXX asset back notes are attempting to foreclose on my home with a fraudulent assignment. The assignment contains signatures of robo signers. XXXX XXXX the document control offer signed the assignment XX/XX/XXXX which after the cut off date of the trust. The pooling and servicing agreement filed with United States Securities Exchange clearly states in section 201 that all mortgages need to be conveyed 90 before the cut off date, and this assignment was conveyed 9 years later.They have obtain a fraudulent deed, and the Power of Attorney that I gave to XXXX XXXX in the barrow waive of rights is rescinded through the courts of XXXX  Co.I HAVE NOT GIVEN This Trust or XXXX XXXX rights to sign as my ATTY IN fact.
Select Portfolio has refused to modify or restructure my loan, nor have the responded to my QWR or Debt Validations. I attached what i sent to SELECT PORTFOLIO
For the last year I have had a credit limit of {$3300.00}. On XX/XX/XXXX I made a payment of {$3200.00} that reduced my balance to {$0.00}. On XX/XX/XXXX I made a purchase for {$320.00} but it was subsequently returned. I was waiting on a refund and did not make the monthly payment so my credit limit was reduced from {$3300.00} to {$390.00}. The refund was applied to my account on XX/XX/XXXX for the full amount of {$320.00}, however ; my credit limit has not been increased. When I inquired about the reduction I was told it was due to the late payment. The issue has been resolved and I feel that the reason my credit limit was reduced is because I paid off my balance. These discriminatory practices should not be allowed in the credit card industry.
I have constantly tell these people to stop contacting, very unprofessional and abusive. I 'm giving them 24 hrs to cease and desist. I do n't want these people to ever contact me again final warning. 

My fee schelude is as fallows XXXX per call XXXX per min must book more than 5 mins. 
Final warning.
Applied for and entered HAMP mortgage modification because I am XXXX on SSI XXXX XX/XX/XXXX. Before and during entry into program I asked no less than XXXX representatives in recorded conversations if I could take the modification but make full payment as I was afraid to ruin my credit after recovering from divorce induced bankruptcy in XX/XX/XXXX, I was told that I could do that by sending I the modification coupons with a note stating my concerns and enclose full payment and that it would not affect modification chances. 
On XXXX XXXX XXXX I received a letter from Chase stating I would not get the modification because if I could pay the full payment then, I could continue to pay it. Upon receiving this, I called Chase and explained that I was told that was not going to affect the modification. I was told the lender said no and that was that. 
I entered a complaint with cfpb stating all the above in detail. cfpb followed up with Chase bank and on XX/XX/XXXX I received a call from my representative saying I WAS getting the modification and I would have it updated by XXXX XXXX XXXX. I spoke with the rep again on XX/XX/XXXX and he said same thing ... go ahead and use modification payment coupon and all would be done by XXXX XXXX. On XXXX XXXX I received a letter that MORE TIME was needed for a decision! I called the rep 7 times to ask why I received that letter when he told me XXXX XXXX all would be done and I was getting my modification. He never returned my calls. His assistant called and said she was calling to tell me they received my calls but she could not talk about my case. She said she was transferring me to my reps phone. After 32 minutes on hold I hung up and re-dialed him directly to no avail. Today XX/XX/XXXX I called the main service number and talked to another rep. She had no trouble discussing my case and told me NO DECISION has been made and they need more time to review. I told her I was going to contact cfpb again at which point she because very surly and told me if they say they need more time, then they need more time. I asked her why my rep would not call me back knowing that I called 7 times stating I was going into the hospital tomorrow for XXXX and really needed to speak to someone. her answer was ... ask him! I have been lied to strung along and ignored. I explained that they only reason I was able to make the mortgage payments was that I borrowed the money from my daughter. They did not care. This program is to help people struggling and as a XXXX XXXX year old on a very low fixed income I sought that help and was mistreated and misled. The reference former complaint is XXXX if there is anything else needed.
I have maintained a XXXX credit score with Transunion for the last 9 months. I recently checked my credit score through the credit card Co ..., XXXX and XXXX. They let me e know that my score had dropped to a XXXX. I have had no new loans, always paid my statements on time! I called transunion consumer relations to get an reason as to why my the score had dropped.? I was given no satisfactory answer.
I received a collection statement from ERC for an alleged debt of {$190.00} from XXXX XXXX. I stopped using XXXX XXXX, a company with documented customer complaints, when my internet service no longer worked on my purchased modem. I tried all the methods to reset my modem but with no success, and sent an email to XXXX XXXX telling them that my modem/internet access was not working. They sent return email that they could not send me reset password by internet and that I would have to call them. I am XXXX so that is not an option. I sent email telling them that I was stopping service since they FAILED to provide contracted internet service. They sent me additional billings following months for service NOT provided, and I notified them by mail that they had not provided any internet service per their month to month contract, thus no payment was due. XXXX XXXX does not provide acceptable service to XXXX XXXX customers, and thus is in violation of Americans with Disability Act and has clearly shown a hatred for customers by billing for services not provided. ERC has previously shown that they buy " bad debt '' in effort to shake down customers for debt not owed. I do NOT owe XXXX XXXX, and they wrote this off.
The beginning of last year I received notification from this agency. I immediately called and spoke to a representative and stated I am disputing the collection. I asked for proof of validation. 2 Weeks later I received the same demand for payment letter with no validation. I then requested validation again in writing. I no longer received any form of communication from this agency. Instead they put the collection on my credit with a memo saying I dispute the collection. The address provided on my credit for the business is XXXX XXXX XXXX XXXX, XXXX, GA On X/XX/2017 I requested verification through the Credit Bureaus. I received no response so I requested again on X/XX/2017. This time the collection was removed from XXXX because the company has yet to validate this debt of {$3200.00}. On X/XX/2017 I filed a complaint with the BBB. Complaint # XXXX. This company failed to respond to the complaint. It has been well over 30 days since my last request but over a year and a half from my initial request. They have no proof of this debt. I have no contract with this company.
My original complaint against Citizens Bank was for unauthorized withdrawals fro my checking account and the bank 's acceptance of a check designed and submitted by a creditor that was paid from my account. All of this resulted in my account being overdrawn and daily ban fees that exceeded {$200.00}. being charged to my account. Since that filing the bank has removed the overdraft fees but saw that my account was cancelled. I am not upset at that, but when I went to another bank XXXX XXXX, to open a checking account. They would not issue a debit card nor allow my a senior discount for checking account fees. Therefore, I must pay a monthly fee of {$10.00}. and can only use their ATM service. I can struggle with that but it seems that Citizens bank got their pound of flesh on the way out. I was told that the non-issue of a debit card was because of a report that Citizens has submitted.
I have previously filed a complaint to you guys but there has been no changes and it continues and I think the bank has decided to ignore my concerns. Any time I try to do transactions through the phone process they tend to put me through a cumbersome process which they do not apply to other customers because I sound different and I have a peculiar name. The policy of the company is for you to go through the authentication process through their automated process and when you finally speak to a representative of the company they just ask for your name and thank you for going through the authentication process. But, for me they further continue to ask me further questions I have asked other friends of mine who are white or have American names and they tell me they do not go through what I go through. I have spoken to several managers over this and they say they would make a complaint to their management on my behalf but I have noticed they do nothing about it any more. I have spoken to a particular manager called XXXX about three different times I think they see me now as a nuisance to be ignored. I feel am treated differently and they do not care as I think from my dealings with them the moment you sound different they place a higher verification standard on me. I think I need an apology from them and i also urge you to order them to train their employees that there other people from other country with different values and culture that sound different
I BELIEVE I AM A VICTIM OF DECEPTIVE ADVERTISING. DISCOVER BANK SENT ME AN ADVERTISEMENT ASKING ME TO APPLY FOR A DEBT CONSOLIDATION LOAN. BECAUSE MY CREDIT IS N'T GREAT, I INITIALLY HESITATED APPLYING BECAUSE I KNEW CREDIT CHECKS FURTHER DAMAGE ONE 'S CREDIT SCORE. FINALLY, BASED ON THE SOLICITATION 'S " YOU ARE A VALUED DISCOVER CARDMEMBER, AND BASED ON OUR ELIGIBILITY FACTORS, YOU 'VE EARNED THIS SPECIAL INVITATION FROM DISCOVER PERSONAL LOANS, '' I DECIDED TO APPLY. I ASSUMED, SINCE MY XXXX SCORE APPEARS ON MY MONTHLY DISCOVER CREDIT CARD STATEMENT, THEY HAD ALREADY FACTORED MY CREDIT SCORE INTO OFFERING ME " THIS SPECIAL INVITATION. '' SURPRISE, SURPRISE! UPON APPLYING BY TELEPHONE FOR THIS CONSOLIDATION LOAN, I WAS INFORMED I DID NOT HAVE A HIGH ENOUGH CREDIT SCORE TO QUALIFY. IN SUMMARY, I 'M MAD FOR TWO REASONS. FIRST, BEING AWARE OF MY CREDIT SCORE, DISCOVER BANK SHOULD NOT HAVE TEMPTED ME TO EVEN APPLY FOR THIS DECEPTIVE OFFER. SECONDLY, DISCOVER BANK 'S CREDIT CHECK WILL ADVERSELY AFFECT MY CREDIT SCORE, A SCORE I AM WORKING DILIGENTLY TO IMPROVE.
TSI has been calling me for collections regarding an Auto Insurance Policy with XXXX of Michigan from 2012. I explained that this is not possible and that the policy would have been under my husband who has gone thru Bankruptcy and would have had this discharged. I also explained that this debt was for a [ policy from 2012.
The debt was not discharged in bankruptcy. It was forced off by personnel from the Illinois Attorney General 's office. The agency ( former ) of XXXX XXXX XXXX XXXX XXXX, of the XXXX XXXX XXXX XXXX instituted theft of alleged account base that I had developed in Statutory employment XXXX IXXXX  XXXX which had some start up costs to develop account base ( s ) for commission earning purposes. After some deception of broker of record letter solicitation there persisted an agreement unsigned by the general agent factor and following termination in writing, the agency evidently hired a XXXX XXXX of XXXX, Arizona to persist in collection harassment of a contractually unsupported debt that persisted on the credit report of my own during which my Mother XXXX and during quite the estate challenge, from an impounded resource after three correspondences occurred from an attorney. The attorney whom had reviewed the contract of my own had corresponded three times in writing, which have, about removing the debt from said credit report in time for a family gather and in time for return to licensure employ which eschews any debt type of the agency owner for future employ and thus ruins licensure. Although the first attorney dropped matter as it coincided with important planning, it has been so hard to obtain an attorney qualified to speak about unlawful debt reporting, yet I 've observed in the law library which laws were broken and attempted partship myself, yet there was no accounting and no explanation of what the amount consisted of and why they persisted so long after the XXXXXXXX XXXX had been told three times in writing that the debt was n't contractually supported. This has caused a lot of uphold on my part, and it has imploded resources, not wanted. There are so many letters inquiring of what a full contract dispute looks like adept to the US DOJ, and something must be done my angle. It 's a long time to be on my credit report without contractual support and being a financial services company, commission related ailments should be documented over and not credit report harassment alleged.
This is a continuation of my previous case # XXXX. My mortgage company, PNC, is offering to extend my loan term from XXXX to XXXX, increase my rate from XXXX to XXXX. They claim my monthly gross income is {$11000.00} when in reality my gross monthly income is {$2300.00}. and my expenses including mortgage is {$3300.00}. During the application process I sent over XXXX pages of information. They knowledge my application was complete, however, the still requesting documents I have already sent. 
I am sending partial documents to support the information above.
I have attempted to resolve the debt from XXXX XXXX XXXX XXXX XXXX that Penn Credit is inaccurately reporting to all three credit Breaus. 

After emailing XXXX XXXX XXXX XXXX XXXX XXXX that the debt was not mine and showed That I was not the owner and provide residency thru the XXXX to back up my statement that I did not lived there they responded was.. In order to access or release information from your account, or to make any changes, we are required to verify the electric bill account number. If your account is security code protected, it must also be verified. 

Your account number may be retrieved online through your Account Summary. 

If you are unable to provide the required information, please contact our Customer Operations Center, available 24 hours a day, at XXXX 

After attempting to dispute it with Penn Credit as well they refused to remove the inaccurate data and claimed that the original debtor had validated it and refused to investigate or show proof of a contract with the original creditor.
XXXX XXXX XXXX {$540.00} This company made it hard to make my payments. I tried and got the run around until they finally closed the account. I was told my account could not be found and was unable to pay on it. 

XXXX XXXX {$410.00} Was paid and they are reporting inaccurate information. 

XXXX XXXX account is reporting wrong information. I would like it removed! 

XXXX  XXXX XXXX. Is reporting a 60 day late and that is not correct. I want it corrected or removed XXXX XXXX Was paid and they are reporting inaccurate information. 

XXXX XXXX is reporting inaccurate information. I want this removed from my report. 


XXXX XXXX XXXX. is reporting inaccurate information. I want this removed from my report. 

XXXX XXXX XXXX is reporting inaccurate information. I want this removed from my report. 

XXXX XXXX is reporting inaccurate information. I want this removed from my report. 

XXXX/XXXX  is reporting inaccurate information. I want this removed from my report. 

XXXX XXXX XXXX Is reporting inaccurate lates on my credit report. They said they fixed it but my credit report still reflects those late payments. 

XXXX XXXX XXXX is reporting inaccurate information. I want this removed from my report. 

XXXX XXXX is reporting inaccurate information. I want this removed from my report.
I submitted a request to review inaccurate information on my Equifax credit report on XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX, I received a letter from Equifax stating that the public record of bankruptcy on my credit file has been " verified ''. I have no other documentation, validation or proof of this claim and am demanding that this be removed from my credit file immediately. This claim has caused me great emotional and financial distress, and I was supposed to have this validation information provided to me within 15 days of the conclusion of their investigation per the FCRA.
Hello, I contacted this company to pay over the phone but the representative would not allow me to do so. I then received a notification in the mail that I 30 days to pay a bill from a debt collection that I have been trying to pay for over 2 months.
I never had a XXXX phone. I cant afford XXXX XXXX.XX/XX/XXXX they put on my credit report XXXX is all i see for acct number. I need this removed its destroying my life and they said i must pay to delete it even if its not mines or it will ruin to credit. I told them i would call ftc they said so. I dont know what to do.
Consolidated the payday loan from Americash with XXXX XXXX XXXX. Americash repeatedly calls me regarding this loan. XXXX XXXX XXXX has power of attorney and they sent a cease and desist letter not to contact me at my place of business and today, XXXX XXXX, they called both my cell phone and my business phone.
I received a letter from Professional Credit Analysts of Minnesota alledging that I owe a debt of XXXX to XXXX XXXX XXXX. This letter was dated XXXX/XXXX/XXXX. I decided to respond in writing as I need validation and verification for this alleged debt. Today, XXXX/XXXX/XXXX I received a call from someone who identified himself I believe as " XXXX '' I believe he said. His name was hard to catch because he was talking fast in the beginning of the call. He stated that he was calling in reference to this debt. I said " ok '' and he gave me the amount. I said " I 'll be responding in writing '' He started yelling at me, he said " We are a collection agency your writing wo n't do anything! '' I again said, " I 'll be responding in writing ''. Then he yelled again and said " So are you refusing to pay me?? '' I again said, I 'll be responding in writing, thank you for your call today. '' and I hung up. I thought that was very unprofessional the way he yelled and that he used the language " are you refusing to pay me? '' since clearly if I do owe this debt it is to the company he represents not to him personally. How can he say my writing will do nothing when the letter they personally send says things like " If you request this office in writing within 30 days after receiving this notice ... '' Completely rude and blatant harassment!
citizens bank will not approve a loan modification because I work please help me they put me in forclose because the wanT XXXX XXXX even thought Im only XXXX be dind PLEASE HELP ME MY address XXXX XXXX XXXX XXXX ohio