WillisBack/dataset-financial-user-claim huggingface dataset:
I went into a Bank of America branch to get pre-approved for a loan so that once I found a new home, the lending process would be quick and easy. The pre-approval was a success. I found a DREAM condo I wanted to purchase for my family and the offer was accepted on XXXX XXXX. After submitting some information to my lender, he decided to go on vacation and pass the file off to an associate. She requested information, which I provided 9 minutes later via email and she confirmed receipt. 4 days later I got an email from my rep on vacation demanding the same information and that I was holding up the process because I was unresponsive. I received my initial loan estimate in the mail and the numbers were WAY off. I wanted to put XXXX % down but they instead ran the numbers with XXXX % down and allocated the other XXXX % towards closing costs despite repeated conversations that I wanted to put XXXX % down such that mortgage insurance would eventually go away. I reached out to the associate and could not get a response. My agent reached out and was given the run-around. Then they failed to order an appraisal in a timely manner. Because no less than 10 days had passed since we were told the appraisal would be ordered, we blew the contingency release deadline angering the sellers. BofA had no answer as to why there was a delay. We had provided all documentation in a very expedient manner and continued to try and understand the hold up. The sellers ultimately submitted a cancellation and re-listed the property much to my dismay. We plead with the seller and they agreed to rescind the cancellation if we would abandon BofA and begin again with a new lender. As mentioned, the offer was accepted on XXXX XXXX. On XXXX XXXX I had to start the process from scratch. The new lender was FANTASTIC and moved quickly and efficient to try and save the transaction. Then, on XXXX XXXX the new lender remarked that I needed to contact BofA and authorize them to transfer the FHA case number over. According to the new lender, standard practices of transferring the case number is XXXX hours. BofA was resistant to transfer the number, told it would cause more delays and likely result in us losing the property. I simply replied that staying with BofA was not an option and to please transfer the number. 5 more days passed without a transfer and our new lender had to go directly to HUD and have them manually transfer the case. Since that day, BofA has been completely removed from the situation and things have moved along efficiently and smoothly. This is the first home I 've ever purchased and due to BofA 's lack of timeliness, inefficiency and lack of communication, we nearly lost the perfect unit. Thankfully a new lender stepped in to save the day. If its all the same, avoid BofA at all costs. Our offer was accepted on XXXX XXXX, and due to BofA 's mistakes and lagging, our closing date will now be on or around XXXX XXXX. Very frustrating.
In XX/XX/XXXX, my husband and I returned our leased XXXX XXXX back to the same dealership at XXXX XXXX in XXXX. This was within the 60 days early that we could return the vehicle. In XX/XX/XXXX we had the XXXX XXXX inspect the vehicle for damages and wear and tear. They cleared us of any damages and gave us a form of the inspection. By the time we dropped off the car, they dealer said we were good and did not owe anything on the vehicle, and when asked if we needed to do anything else, they said they did not know because they did not do leasing often. Then by XX/XX/XXXX, the XXXX XXXX company who did the finances to the car called to ask where the car was located, and we stated on at least 4 separate calls that the car was with the dealership and we had the paperwork from the trade in that the dealership had the car. This lasted until XX/XX/XXXX, when they called and said we failed to turn in the car and owed over {$800.00} back for damages to the vehicle. For the whole month of XX/XX/XXXX through XX/XX/XXXX we dealt with this problem, until the management and executives got involved after a BBB complaint was filed. The management waived the charges and said we were good and the account is cleared. They sent a final bill to us, but never showed that we did not owe the {$890.00}, nor a letter of good standing for the account as we requested several times. When we moved to XXXX for military orders in XX/XX/XXXX, on several occasions we received multiple calls stating that we owed roughly {$500.00} for the car. When we spoke to the manager, they read the previous notes and said they would waive the fees, and that we were cleared. I asked for a letter of the final bill again, and a letter stating that we are released of all liabilities and charges for the car. However, on the same day and the next day we received a call from the company stating that we still owed roughly {$500.00}, and then during the conversation they realized the note in their system and hung up. During mid XX/XX/XXXX, we received another phone call again from XXXX XXXX stating that we now owed {$310.00} in assessments fees. When questioned about the new charges, they stated that it was for the property taxes in XXXX from last year. I stated that we already paid the taxes for last year in full around XX/XX/XXXX and they said could not explain the charges anymore. They still said we owed that amount,  even after looking at the notes. Then on XX/XX/XXXX I received a letter stated that they have received all required payments a of XX/XX/XXXX. When I looked online at our account it still showed that we still had the payments for the XXXX XXXX.
1. On XX/XX/XXXX, my former employer - XXXX XXXX - direct deposited my payroll check for the period XX/XX/XXXX - XX/XX/XXXX in the amount of {$1600.00}.

2. On XX/XX/XXXX my former employer - XXXX XXXX WITHDREW {$1600.00} from my checking account without my permission. 

3. My bank - Wells Fargo - allowed this transaction, facilitated this transaction, and did NOT inform me this transaction occurred. 

4. I ACCIDENTALLY found out of when I made an ATM withdrawal on XX/XX/XXXX and realized my balance was extremely low. 

5. When I demanded my employer return these funds - I was FIRED.
MCM contacted & shared personal & confidential information with someone other than myself- in violation of consumer protection & collection laws. They acknowledged in a response std XXXX but are refusing to remove their delinquency from my credit report.
I recently ( XX/XX/2018 ) tried to apply for an auto loan through my credit union and was denied due to a previous existing auto. Mind you I am a first time car buyer so I was unsure of what account they were referring to. I am not very educated on exactly how credit works outside of the normal usage ( spending lines, purchases, etc ). When I went to pull my credit reports from all three bureaus is when I noticed this problem. From the way the account appears on my reports, I am not the primary account holder but some how I am in a joint bind with another person that I have no knowledge of. I wish to address this matter immediately.
I would like an explanation regarding my mortgage escrow account. I requested, by fax on XXXX/XXXX/XXXX, a copy of my escrow analysis. I called on XXXX/XXXX/XXXX to inquire about the status of my request and I was told that nothing was in my account regarding a request for an escrow analysis. I also learned that there is a shortage in my account. Attached is my XXXX from XXXX. How can I have a shortage in my account if I had a balance as of XXXX/XXXX/XXXX. Where is the excess amount applied and how is the shortage incurred? I am now questioning all the shortages I have paid in the past and whether I should receive interest.
my dad is XXXX years old. He had an XXXX account and this company during that time continue adding services he did not need and could not use. I tried talking with them and the people in the customer service i in other countries continued to tell me they were taking care of it, but to no avail. My dad has perfect credit and has always paid his bills, but i refuse to allow him to pay a {$500.00} cable bill. I feel they have taken advantage of this Senior cItizen.
On XX/XX/2018, a new collection account was added to my credit report by Credit Management , LP, in the amount of {$330.00}. I have previously disputed this debt with the XXXX  ( XX/XX/2018 ) because I had no knowledge of this account, nor had I received any phone or mail communication regarding the debt. Again, I still have not received any communication, yet the collection account has shown up on my credit reports again, causing a significant drop in my credit scores. I would like the inaccurate information/debt removed from my credit reports as soon as possible.
My credit score dropped from XXXX to XXXX onXX/XX/XXXX for no apparent reason. I found out onXX/XX/XXXX that there was an old debt with XXXX card that was ressurected from the dead on my 3 reporting agencies. On XX/XX/XXXX I settled the debt with XXXX card for {$2000.00} but my credit score has dropped to XXXX.My credit scores with XXXX and XXXX have been restored but not with transunion. The information I have just stated can be proved with XXXX card at XXXX XXXX XXXX. I appreciate your cooperation.
The very weekday after I filed my third ( or fourth ) complaint against Zion 's Bank N.A. ( " Zion '' ) for unethical " stacking '' practices and unethical discretionary " overdraft approval '' and related charges, has done it again. 

I repeat, I don't have overdraft facilities with the bank. Therefore, every time the bank approves a transaction when the account has insufficient funds, such approval is purely discretionary. 

Once again, Zion has demonstrated its bad faith by charging {$64.00} for two ( 2 ) transactions amounting to less than {$16.00}. Once again, Zion was not obligated to approve these transactions. 

I respectfully pray for reimbursement of {$64.00} in Overdraft Fees and for treble damages for Zion 's bad faith conduct amounting to {$190.00} resulting in a total demand for {$250.00}
-  XXXX   XXXX ,  XXXX  : Received a notice from the IRS saying that my  XXXX   XXXX   XXXX   c/o  Genesis Lendin g Services loan of  {$4000.00} was being recorded in my  XXXX  tax return as a cancellation of debt. I then owed the IRS {$3400.00} ( {$110.00} of that is interest ) - After many complaints to the IRS about the invalidity of this debt, they made me go on a payment plan or threatened to have my wages garnished. So now I am paying {$100.00} per month to resolve this debt with the IRS. But do not feel that this debt is valid. So now after I, hopefully, get this resolved, I will need to work on getting a refund from the IRS.     - I never signed a loan with Genesis Lendi ng Services, that I can remember. I have since created an account with www.studentloans.gov to see if I could find my Master Promissory Note, an d it 's not registered in the system. I then called  XXXX  University to see if I could get a copy of the MPN, and they said that the campus I attended closed and they do not have access to those records yet.
I have previously stated that I have no debt with XXXX XXXX and CAINE & WEINER COMPANY, INCXXXX has not sent me anything by mail notifying me of a debt or my right to dispute it, violating the law. If they sent the verification certified then they need to send the confirmation that the letter was delivered and to what address. I have received many things from XXXX XXXX through e-mail and regular mail and not 1 thing was a bill. Also, the collection agency has had more than enough time to provide verification of debt.
I have recently requested a copy of my credit report. I noticed credit inquiries in my file which were removed and now have been reinserted without the 5 day notification which is law according to the FCRA. I contacted the creditors via mail no response so I am looking for the law to be enforced and these inquiries re-removed as it is affecting my credit score.
I applied and receive XXXX XXXX XXXX from US Bank a couple of months ago and I just paid my annual fee. I just found out that the terms have changed and am disappointed that I am not getting all of the benefits that I paid for, such as the free night on your last award stay benefit. I wasted {$75.00} annual fee and a hard credit inquiry too because the main benefit listed was " BONUS AWARD NIGHT EXCLUSIVELY FOR CARD MEMBERS & ENJOY THE BENEFIT AFTER PAYING {$75.00} ANNUAL MEMBERSHIP FEE ''.
I received a phone call from a debt collection company called " Summit Receivables '' located in XXXX. They claim they are collecting on a debt from a company that I did not recall taking a payday loan. I have paid many of these pay day loans off and validation of payment. I requested a written validation of debt letter to be sent to my home. They wanted payment over the phone via a credit card. I will pay the debt but will not do so over the phone with a credit card without a validation of debt.
I have never done business with Security Credit Services and I have mailed in disputes to the company twice, both the company and Credit Bureaus never provided me with a signed contract with my signature. A collection bill is a not a validation and I have the right to provided with proof and with no proper proof I need this removed from my credit reports.
approx.  XXXX   American Express Credit Card Co. offered their so called " valued customers " a special deal on magazine subscriptions for a small service fee. However at the end of the trial subscription they automatically charge you an exurbanite amount for the magazine without any notification to the customer. The American Express company will not even let you file a charge dispute. They refer you to series of numbers which just happens to be in their system but are saying is a separate company that needs to be contacted. I have made several attempts to file a grievance with American Express but they are denying responsibility for this special offer to " valued custome rs '' I am on a fixed senior citizen budget and can not afford the hidden rewards that this credit card company wishes to bestow on me
YOUR COMPLAINT : First off I am not a CREDIT REPAIR COMPANY. But I am a very smart individual that has done my home work, so I am DEMANDING that you stop trying to use stall tactics in order to simply not remove something from my credit report that you know is wrong and that you can not verify. You are hereby put on notice that anymore incorrect information seen on my credit report that does not meet the standards of section 609 of the FCRA will be dealt with in a court of law, which is something you are very familiar with. XXXX and Equifax has two items on my credit report that do not belong on there. 1. XXXX XXXX Was never late and that account does not even exist anymore. They have even said in the statement they can not verify it but they keep reporting it as paid late. The account was never late, it was never defaulted on. Make them remove this immediately, it is past the 7 years that it is supposed to be reporting anyway. I find it FUNNY that XXXX was reporting this same thing and they removed the item because they could not verify it. If they can not verify it, because XXXX XXXX is not communicating with them, I find it hard to believe that you XXXX and Equifax have had any luck communicating with them. You simply are not doing your job and you are violating the law. I will continue to file complaint after complaint until you fix this error and remove it from my credit report. You are hereby put on notice that I am tired of dealing with this and the next step is a legal lawsuit to take you to court and make you show proof that what you are reporting is correct. ****SEE THE ATTACHMENT SHOWING XXXX DELETION**** 2. XXXX On my XXXX XXXX they have a negative comment that I had disputed this account with them, why it has never been late and always paid on time. Remove this comment immediately. It is apparent they are trying to hurt me financially.
I made a payment saturday XXXX/XXXX/XXXX. My car was repossessed that day. We immediately tried to phone Nissan but they were closed. We called monday XXXX/XXXX/XXXX and notified them there was a payment made saturday for {$800.00}. They said there was n't any record of it and they said it would take XXXX business days to post. On their website it states it takes XXXX business days to apply payment, which should have been XXXX/XXXX/XXXX. I made another payment to them for the remaining balance on XXXX/XXXX/XXXX of XXXX, which was supposed to be enough to clear it. Both payments cleared my bank on XX/XX/XXXX.Then they proceeded to say they required proof that the payment was paid by my bank in the amount of XXXX as even as off today XXXX/XXXX/XXXX they show no record of it, so I called with a tracer number for the payment but they refused that. I then faxed a statement from my bank showing the payment posted and the amount still that was insufficient. I 've now been told despite the fact the money has been withdrawn from my account that my checking account now has to show a positive balance. I have overdraft protection on my account. all the payments have been paid. but yet they will not release the car so that i may pick it up. every time i call them the requirements that i must meet to gain possession of the vehicle change. and in the meantime I 'm left with no transportation and no money. i believe they are stalling so they may then auction the car as everyday it sits there storage fees continue to increase. this car should have been released on XXXX/XXXX/XXXX.
I received a threatening call from a guy who would not identify who he was that stated I owed XXXX over 700.00 and that he had a judgement against me. I do not nor have I ever to my knowledge owed this debt, if I did it would have been more than 11 years ago. I have an account with XXXX currently that has been in good standing for over 7 years. He would not let me talk, he had my date of birth, an address I lived at 10 years ago and the last 4 of my social security number. When I told him I do not owe this he started screaming at me that if I did not pay them today that they would garnish my wages and take me to court. He was very threatening, rude and hostile. When I told him they are a scam he hung up on me. I am very concerned that he has my dob and social. 
I called back and asked what the company name was and was told it is Miller, Stark, Klein & Associates. The girl then asked me if I had an account with them and when I said no she hung up on me. The phone number they are calling from is XXXX
I was told I could not get modification ok.so I was read on XXXX XXXX XXXX web hardest hit funds programs and XXXX XXXX XXXX home equity assistance or and repayment plans of up to 12 months to help catch up on a past due payments and I was not told about this forbearance I can do that all so I did not no they had all these programs I only no about the modification program I found this on XXXX XXXX XXXX web I do n't need my payment to be reduce i can pay that and all so and extra {$500.00} a month to caught up I 'm out of work because I was XXXX by a lady and she was very XXXX and that why I 'm out of work these last four year I ben having not such good luck first I had XXXX XXXX and I beat that thank to XXXX and now XXXX XXXX XXXX XXXX and both of my XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I have XXXX XXXX XXXX XXXX I did not ask for this. all I 'm ask for to be able to pay a full note and {$500.00} extra thank u
My kids father told me the only way he would support my desisions reguarding my children was if I stopped XXXX payments and wrote off the back pay because my mother was telling my daughter to lie to me about things I did not want for my daughter. I filed for bankruptcy and 3 months later I was fired. I have a learning XXXX and I stated this to my attorneys from XXXX and XXXX. I have no one will contact me back. I have tried to email XXXX and XXXX. Last time I went into the office they told me to file for chapter XXXX once I have a job. I am a XXXX XXXX XXXX at XXXX. I give up my car. I have no support from anyone. I can not loose my house I am a single mother of XXXX amazing children. Please help me.
I tried to take the FTC up on their offer for a free annual credit report from all 3 companies by following the link provided, and the instructions per link.

1. The first time I got as far as filling everything out and clicked submit. The screen went white and stayed white. I refreshed after several minutes and there was a message saying unable to do at this time, and to call the number listed XXXX to report. I did and a woman says it will take time through the mail but will only provide XXXX. 
2. I tried again and filled out everything, clicked submit, and was a message from Trans Union saying it could not be done at this time because of the data received. It would not tell me what data, nor allow me a way to fix or obtain the report.
I took out an " Payday Loan '', and I show up to pay off loan, and the customer service representative refuses to take payment. 

ACE Cash Express, Inc. Store # XXXX, the customer service representative refuses to take payment. She stated that the, " Payday Loans '', are passed on too collection agencies, too ruin minorities line of credit, so that they will have to come back to, PAYDAY LOAN COMPANIES, only for business, we make numerous inquiries so that the customers are forced to come back to, PAYDAY LOAN COMPANIES CAN RUIN THE CREDIT! 

Ace Cash Express, Inc. Store # XXXX XXXX XXXX XXXX XXXX , TN XXXX XXXX www.acecashexpress.com After calling numerous times, the Ace Cash Express , Inc. to this day refuses to connect, me with the collection agency by United States Mail , to settle this account.
I received a payday loan several years ago and continuously receive harassing and abuse emails from a 3rd party debt collector - to my personal email address. The emails are abusive, continuous, and seem to become worse. I receive abusive emails -approximately one email every 8 days. Via these emails, I have been harassed consistently, called irresponsible, and also called childish. I have received a total of XXXX harassing emails since XXXX 2015. I have saved all emails from this collector.
I received a letter on XX/XX/2018 from Sunrise Credit Services stating I owe {$620.00}. Ive dealt with this fraudulent issue since XXXX. XXXX allowed someone to impersonate me over the phone and even steal a phone. They refused to cooperate with the police and told me though I have put regulations on my account anyone can call with my information. They allowed bogus information, phone orders, fraudulent payments and thefts for months without my knowledge. When it came to making a police report they wouldnt provide the information needed. I have several report numbers from the FCC and Illinois Attorney General. This was fraud take accountability for allowing someone impose as me. XXXX had me calling insurance companies and told me this bill was from something else. It took a week for a rep to tell me what it truly was fraud! FCC # XXXX Now they have a company sunrise contacting me for a fraudulent account.