WillisBack/dataset-financial-user-claim huggingface dataset:
On Saturday, XXXX XXXX, 2015 I deposited a money order in the amount of fifty-eight ( {$58.00} ) dollars at XXXX. As of Tuesday, XXXX XXXX, 2015 my check has not cleared. Even though it was a national holiday, banks do not close and continue to operate. Why are they holding my meager funds? 
My other concern is that the Bank of America automatically transfers XXXX ( {$25.00} ) from my checking account to my savings account on the XXXX of each month. I had to agree to this transaction to benefit from certain services. The truth is Bank of America wants to use depositor 's money to comply with " safe funds '' regulations established by the federal government. 
My last concern is that my deposit slip from Saturday ( XXXX XXXX, 2015 ) has an erroneous date of " XXXX XXXX, 2015. " How is it that the corporate name ( Bank of America ) is guilty of malfeasance and not the names of individuals at the helm of the bank that are responsible for wrong doing and not labeled as felons?
I received seervice at XXXX XXXX XXXX, after the invoice was genereated we agree to payments debted automatic from my account, after XXXXXXXX XXXX had passed a collection agency was taken my paymnets withouth any explanation ( Gobal Receivable Solutions Inc XXXX we concluded that a new agreement was settle to make payments of {$140.00} starting XXXX XXXX after XXXX XXXX they accepted know a new collection agency is trying to collect the money without any knowledge
I have paid over a XXXX dollars on a XXXX dollar loan and still have XXXX payments which will make it XXXX dollars the Annual Precentage Rate is 596.6755 % the finance charge is XXXX this was not made aware to me at the time of loan submission. The Name of this company is Big Picture Loans which i have come to learn has done this to alot of other people based on my research.
THE WELLS FARGO WAS PAID OFF YEARS AGO IN A BANKRUPTCY. THEY HAVE ON MY XXXX AND XXXX REPORTS CLOSED, XXXX BALANCE, AND CHARGE OFF IN REMARKS, THIS IS NOT A CHAREOFF AND THEY REFUSE TO REMOVE THAT REMARK. IT SHOULD BE PAID WITH XXXX BALANCE.
BBVA Compass b ank has n't sent my transaction update for the  XXXX  and  XXXX  to a third party app I use on my mobile device. I called th em n  seems as if there 's nothing I can do but sit here and wait for the unknown. It 's be en two weeks th ey have n't sent out my bank info in times of need.
i ave been dealing with seventh ave for a very long time regarding a fraudulent account open on my name they have been given me the run around i have sent them all requested paper work and they say they have no received it. every time i disputed with credit bureus they say s been verified but when i request proof they never send me anything. I HAVE ENCLOSED PROPER THEFT AFFIDAVIT ND POLICE REPORT. At one point i even tried to settle this account because it was causing me so much headache but why should i have to pay something that i did n't do
I called Wells Fargo concerning an inquiry made last XX/XX/2017 which shows up on my recent credit report with XXXX  as WF CRD SVC. I can not recall any activity around that time period that would account for this inquiry. I have no accounts with Wells Fargo and have not been shopping for a mortgage. I asked them to remove the inquiry which the representative attempted to see if that was possible and was told that Wells Fargo doesn't just remove inquiries because someone asked them to. I believe the inquiry is not by me.
On XX/XX/2018, I received a Notice of Collection from Penn Credit Corp on behalf of Florida XXXX XXXX XXXX, requesting a balance due of {$270.00}. 

After reading the letter, I called the 1-800 number provided. I spoke to a representative and I explained that I was not a resident of XXXX XXXX during the period in question. Furthermore, I explained that during the period in question, I was a residing in XXXX XXXX and that I had not established the alleged XXXX account. 

The representative instructed me to provide the entity via E-mail ( XXXX ) with a copy of an Electric Bill with the company I had an Account during the period in question ; as well as other documentation which proved my place of residence during the period in question, in order for the entity to review it. 

The representative also noted that, once Penn Credit reviewed the documents which proved that, I was a resident of XXXX XXXX during the period in question, this matter would be cleared with their Client ( XXXX XXXX and I would be exonerated from the alledged XXXX Account debt. 

Immediately after I spoke to the representative, I E-mailed all requested documentation which clearly demonstrated that I resided in XXXX XXXX and not XXXX during the period in question. 

I provided Penn Credit Corp with enough time to review all documents provided but no one from Penn Credit called back to provide me with a resolution. Therefore, I called today XXXX   XX/XX/2018. 

During the call, I explained to the representative who responded the reason why I was calling ; after my explanation she requested a moment to review the notes on the Account and after reviewing them she stated that, in order to get this matter cleared with the Client ( XXXX ), I would need to show proof of a final payment for the Balance due. 

I told her that, the point of me providing the XXXX XXXX XXXX with documentation that demonstrated I was not a XXXX resident during the period in question was in order to make sure that I'm not held responsible for the payment of the alleged amount due. In addition, I noted that I did not establish the XXXX account during the period in question, therefore I'm not responsible for the outstanding balance. 

Despite this the representative stated that, the only way I could get this matter cleared with their client ( XXXX ) would be paying the alleged balance due. 

Penn Credit Corp has failed to give me required notices and/or disclosures e.g. written validation notice, including the consumer rights under the federal Fair Debt Collection Practices Act. In addition, the Entity is now harassing me, and trying to collect the balance due, even after I have provided evidence as per instructed by the representative from your facility on XX/XX/2018.
Representatives continue calling to speak with an employee of this company through our business phone line and have been told that employees can not use the business phone for private calls and to cease calling. Calls have continued despite repeated conversations.
I have previously made several prior formal written attempts to protest the fact that although CFPB keeps sending me written communications instructing me to Log-in, at https : //help.consumerfinance.gov. to review my complaint status on submission number : XXXX ; your continually site blocks all my attempts to login and the password reset function states my account has been disabled. 
Your latest written communication is dated XXXX XXXX, XXXX, and once again claims the company has taken steps to resolve my complaint ; but as of today my account still remains disabled.
On XX/XX/2018 Nelnet reported my account 90 day delinquent. On XX/XX/2018 I made a payment of what I could at the time of XXXX. This payment was not for the full amount but this is the only amount I could afford at the time. Now my credit score has dropped significantly And its affecting my ability to provide housing for my children. I asked Nelnet if they could remove this 90 day late delinquent status and they said they are not able to do that. This is my absolute first time being 90 day late on the payment I honestly dont feel that I was totally late because of my payment I submitted XX/XX/XXXX. I would like this to be removed from all credit reports.
I received e-mails from Nationwide Bi-Weekly Administration that they were discontinuing service but that our Mortgage Payment would be made for the month of XXXX if our account had been debited in XXXX with the additional funds to be credited to our bank account. They debited the account on XXXX XXXX, XXXX XXXX and XXXX XXXX. My mortgage has not been paid to my lender as of today XXXX nor have I been returned the additional funds in my holding account that they have promised. The total amount for the XXXX debits is {$2200.00}. {$1500.00} should have been paid on XXXX XXXX to XXXX for my mortgage with {$760.00} returned to my account.
this company pull my credit with out my unknowingly I never give them my information are this company his purposely invaded my privacy. 



XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/2017 Type Collections Attorney Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX
I disputed two fraudulent accounts on my credit report, and they still remain there after Experians investigation. These need to be removed as soon as possible. Experian is currently showing an inaccurate report and score. I have repeatedly been in contact with them and they have not been able to help me.
I have been the victim of ongoing ID theft and have numerous fraud inquires as well as XXXX fraud accounts begin reported with Equifax. Both XXXX and XXXX have removed these fraud accounts but Equifax refuses to do anything!! I have been fighting with Equifax for quite awhile trying to resolve this matter and they will not do XXXX!!! Even with a valid police report as well as other supporting documents. I am a XXXX veteran and Equifax is treating me worse than a criminal. I would like for them to remove and or block the fraud items I have listed in the attached letter and stop ignoring my request to correct this.
I submitted payment, via my automatic payments to Synchrony Bank on XXXX XXXX, 2016. On XXXX XXXX, 2016, I received confirmation that the payment had been posted to my account. On XXXX XXXX, 2016 I attempted to make a purchase on amazon.com and the credit card was declined. On XXXX XXXX, 2016 I logged into my account and it showed the account had been closed. I contacted Synchrony via phone and they stated because my payment was returned, they had closed my account. I stated my automatic payments were setup to be withdrawn for a checking account which I recently closed however, they said nothing could be done to the account because the decision had been made to close it. 
When I inquired about why this was done without notification or a chance to pay the outstanding balance I was told they had sent me an email, however, this was not the case. I received no phone call, no US Postal mail and no electronic mail. No contact was made by Synchrony to alert me of a 30 day late notice nor was I informed of a returned payment. 
Once I learned of the issue with the late payment, I promptly paid the balance in full.
On XX/XX/XXXX Allied Collections falsly reported a debt to my credit from a company called XXXX XXXX. I have never taken out a loan with this company. I have never heard of this company, and this report on my credit is malicious and fraudulent. It is not a mistake because just last month they falsly reported an invalid debt by XXXX XXXX online to my credit. Now they have removed the XXXX XXXX  debt and posted this debt to my credit. They have reported the XXXX XXXX debt on my credit twice. The same debt has been reported two times which is illegal. This is fraudulent! Please help, this company is harassing me and intentionally ruining my credit.
Round Point Mortgage Servicing ( RMP ) has held the final funds submitted to us for a XXXX claim with our XXXX XXXX XXXX XXXX company XXXX that took place in XXXX 2016 and we received in XXXX 2016. They have also been holding funds due to the company that provided mitigation services. We have provided everything they 've asked us for and each time we send in the requested information, something new is added by RMP as an additional requirement. 

On 3 occasions, since XXXX 2016, we 've been told that funds would be disbursed to us within a week. They never return calls or send correspondence noting or identifying needs but each time we ask why no funds as promised, something is added as an unmet " requirement. '' RMP even went as far as almost doubling our claim amount and adding requirements that are for the higher amount, though grossly in error. 

The most recent interactions we have has been in direct communication with the Social Media Manager who responded to a XXXX review I made expressing concerns. XXXX XXXX promised to get the issues resolved and told us on XXXX that funds were to be disbursed but we have not received a date for when the check would print nor an estimated date. When we check our account online it only reflects partial payment pending disbursement to the service provider that has not been paid. There is nothing even pending for the funds due to us personally, despite the fact that such has been promised by XXXX.
I have a debt I am working with the original creditor on and am receiving calls from XXXX XXXX XXXX XXXX. XXXX XXXX with XXXX XXXX XXXX XXXX contacted me at my place of work and I informed him to delete the number from my account and add my personal number. The next day I received a call back from him and again told him to delete the number and that I am not authorized personal calls of any type at my place of work. During this phone call I also spoke to XXXX XXXX supervisor and reiterated 2 times that I am not authorized personal calls of any type at work. On XX/XX/2018 at approximately XXXX XXXX XXXX I received a third call from XXXX XXXX at my place of work. I informed him for a third time that I am not authorized personal calls of any type at work. XXXX XXXX stated that there " was no note on my account stating that I am unable to receive calls at work. '' As stated by XXXX XXXX and his supervisor at XXXX XXXX XXXX XXXX all calls are recorded. Review of phone call recordings will reveal that I informed both XXXX XXXX and his supervisor that I am not authorized to receive phone calls at work. With the insistent calling to my place of work after being informed I am not authorized calls at work is in direct violation of law.
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2010, XX/XX/2010 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
I am currently have a Pick-a-Payment loan with Wells Fargo and am trying to modify. XXXX XXXX, 2015 our home was struck by lightning and as a result we have no A/C ( in Florida ) and few appliances are working. I received a check form the insurance company but Wells is not cooperating in getting the funds distributed in-order to make repairs. Again, we 're Florida and have no air conditioning.
My account was charged for XXXX insufficient funds fees charges this morning. Over the weekend, my XXXX fee was withdrawn and left me {$98.00} overdrawn. ( I did not know banking happened over the weekend ) On Tuesday morning chase bank chose to charge me for the overdraw of XXXX smaller charges, XXXX of them {$22.00}, which is less than the overdraw fee itself, XXXX for less than {$35.00}, which is less than a dollar over the overdraw fee itself, and XXXX for {$55.00}. The reasoning they gave me is that they handle the largest charges first and something about pending charges versus cleared charges. None of the charges are pending to me since they remove the money from my account the second the charge comes in. The money for all of these charges was deposited on the first banking day as it is always deposited in the many years I have banked with Chase. In addition, the smaller fees would have been covered until the XXXX fee - so the insufficient funds fee was valid for XXXX but not for the smaller fees. The XXXX fee happened over a weekend when there should be no banking anyway. I have called Chase to have the fees reversed and they refused. I spoke to XXXX different people, the last being supervisor XXXX who 1 ) said she tried to reverse but the system wo n't let her because I 've gone past my courtesy limit this year 2 ) I asked her which regulatory agency I could complain to because this is corporate theft, and she told me she is the XXXX I would complain to. I asked her again to tell me who regulates banks and she said she understood and was very sorry but did not recommend a regulatory agency.
I have submitted a previous complaint about XXXX XXXX, however, I want to include Seterus, Inc in this complaint too. My home was " sold '' today and confirmed in court. XXXX XXXX is the one who foreclosed on me but they are no not my service provider. Seterus is my service provider. I never received notice of the new service provider at my home residential address. Apparently, Seterus sent notification of their becoming my new service provider on XXXX XXXX, XXXX. They sent it to my attorney who has been deceased for nearly 3 years. Now, get this, ..my home was " sold in foreclosure '' on XXXX XXXX, XXXX by Seterus ( Not XXXX XXXX ) and it is currently now " real estate owned. '' Also, according to record, I have received a Ch XXXX bankruptcy discharge on the home on the date XXXX XXXX, XXXX. I am in Chapter XXXX at moment to make XXXX XXXX and Seterus prove they have a claim to this home. I was told by Seterus there is no balance on the account and I should be receiving a XXXX showing the amount on the home that was discharged. 
How can XXXX XXXX confirm a sale today, XXXX XXXX, when Seterus was the one who was the provider as of XXXX XXXX, and Seterus sold it to another person through foreclosure on XXXX XXXX? 
Also, the document that shows XXXX XXXX used to provide a transfer of service or document of sale to Seterus is signed by well-known robo signers and also signed on XXXX XXXX, XXXX. However, Seterus is not on record as having " sold '' my home on that date, too. I believe fraud was perpetrated on the Court and on me! I have a recording of the phone conversation with the Seterus representative. I have also transcribed the call into a written format. 
I have now received XXXX discharges on this property ... XXXX in XXXX and XXXX in XXXX. Neither of these properties have the right to foreclose on me!!
I sent Equifax a request to remove a Tax Lien from my credit report. The Tax Lien has been withdrawn by the IRS. I forwarded all documents to Equifax to document my request but they still did not remove it from my credit report. I need to have this item removed immediately.
I wanted to buy an account for a PC online game. The person who ' selling ( a guy and a girl ) scammed me and deleted me from XXXX. They promised to change the mail of the given account and after I sent the money they did n't change it. I waited days and days for their reply on the email situation but then they deleted me. They can take the account back whenever they want because they have the mail. Please help me.
I am writing to dispute the account referenced as XXXX XXXX thats is stating the account was opened on XX/XX/XXXX. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. Please see attached the receipts showing that I sent these letter certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this company. As an XXXX XXXX serviceman whom was in delopyed international from XX/XX/XXXX to XX/XX/XXXX. Although I was in the united states on XX/XX/XXXX I was not in the state of Texas to open any loans. I have attached a letter from the United states military stating my identity was compromised. So I ask again how was this debut vaildated.When the SCRA ( All XXXX XXXX servicemembers are protected under the Servicemembers Civil Relief Act ) If your military service " materially affects '' your ability to make the payments on time the military service the seller can not repossess the item, take you to court, or make any bad credit reports on your contract without a court order. What court order did XXXX provide as proof of request to get payment for said account.
for the past week I have been attempting to either have my prior membership re-established or file a new application as a member of Navy Federal Credit Union. i have spoken to agents on the phone as well as using their online application system. After filling out online form I received an email stating that I needed to complete the application process by logging onto the website. And despite entering the user ID, password and application ID I was given I keep getting denied access with a message, " unable to locate user ''. The phone conversation ended with, " It must be updating the system. Try again in 1 -- 15 minutes. Indeed, I 've been trying again for hours with no success. These XXXX must be XXXX XXXX if they think we have hours to waste on such nonsense.
Trying to pay for student loans in MyGreatLakes.com requires a PHD in shadiness to not get scammed. My account is 3+ years paid ahead, I make minimal monthly auto payments and one time additional payments each month. I have now 4 loans vs. 5 after making several large one time payments to pay off the loans. What was scammy about the process is realizing the timing of when additional payments are made can have significant impact on how the additional amounts are applied to the principle and ultimately impacting the amount of interest you pay in total. Simply clicking on the screens to have 100 % of your payment directed to a specific loan, doesn't always end up the way you think! 

Why would it matter if you are paid ahead is what conventional logic would suggest. Because you aren't shady like My Great Lakes, you don't understand. Here 's what I've come to realize.. 

If you want to pay ahead and have the additional payments directed at your specific loan ONLY ( vs. peanut butter spread ), you need to meet your monthly minimal and any interest accrued. 

XXXX Example : your loan payment is due on XXXX of the month - XX/XX/XXXX- Minimum payment applied. $ spread like peanut butter across all loans as expected. 
- XX/XX/XXXX - additional payment applied. $ considered payment to next month but still peanut butter spread across all loans even though you tell them it is to be 100 % directed to a specific loan even if the amount you set for additional payment is higher than the monthly minimum payment. Scam. You'd think just the amount up to the minimal payment amount is spread like peanut butter but nope ... the whole thing. 
- XXXX - additional payment applied and you are now paid ahead for next mont. Only now will your payments be 100 % directed as you choose. 

_______________________________________________________________________ The above is still true even though I'm 3 years paid ahead. SCAM. SCAM. SCAM. 

So beware. When paying ahead, schedule the additional payment on the same day as the monthly due date OR make multiple payments to 'test ' the waters to confirm the payments are getting correctly allocated.
XXXX XXXX recently informed me that I owe a {$50.00} debt from XXXX 2014. I sent them a copy of my bill pay statement from XXXX 2014 that shows I paid XXXX the {$50.00}. XXXX submitted the bill to Credit Collection Services XXXX and I also sent the 2014 bill pay statement. to the Collection Agency. I am going to send both of them this proof again and this time by certified mail also because they say I still owe the {$50.00}.