WillisBack/dataset-financial-user-claim huggingface dataset:
Closed account because company is taking advantage of me had a  XXXX  balance remaining but bank is showing  XXXX  Statement balance as of  XXXX / XXXX /  XXXX   {$1000.00} Transaction Date, Description, Category, Amount  XXXX / XXXX /  XXXX  , '' RETURNED PAYMENT FEE '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , '' Payment Received '', '' CREDIT ''  XXXX   XXXX / XXXX /  XXXX  , '' Payment Received '', '' CREDIT ''  XXXX   XXXX / XXXX /  XXXX  , '' PAYMENT REVERSAL '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , ' ' CUSTMR ADV N OT AUTHORIZED '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , ''  XXXX   XXXX  '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , ''  XXXX   XXXX  '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , ''  XXXX  '', '' CREDIT ''  XXXX   XXXX / XXXX /  XXXX  , '' Payment Received '', '' CREDIT ''  XXXX   XXXX / XXXX /  XXXX  , ''   XXXX   #  XXXX  '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , ''  XXXX  '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , ''  XXXX   XXXX  #  XXXX   XXXX  '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , ''  XXXX   XXXX   XXXX  '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , ''   XXXX   XXXX   XXXX   '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , '  XXXX   XXXX   XXXX   #  XXXX  '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , ''   XXXX   XXXX   '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , ''   XXXX   XXXX   XXXX   '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , ''  XXXX  #  XXXX  '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , ''  XXXX   XXXX  '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , ''  XXXX   XXXX  #  XXXX   XXXX  '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , ''  XXXX   XXXX  '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , ''  XXXX   XXXX   XXXX   XXXX  '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , ''  XXXX   XXXX   XXXX  '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , ''  XXXX   XXXX  '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , '' INTEREST CHARGE-PURCHASES '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , '' Payment Received '', '' CREDIT ''  XXXX   XXXX / XXXX /  XXXX  , ''  XXXX  '', '' DEBIT '',  XXXX
On XX/XX/XXXX I paid for ONE night at the XXXX XXXX in XXXX, XXXX. They charged {$170.00} and put a hold for {$540.00}. I demanded the hotel to take such an unreasonable hold off my account and the hotel repeatedly refused to do so. I called Bank of America the same day and the telephone representative who opened my claim # XXXX agreed that a {$540.00} hold for one night was crazy. The next Monday was a holiday so I waited until Tuesday XX/XX/XXXX to get a temp. reimbursement while the claim is pending. The claim is still pending yet Bank of America reversed the funds as of XX/XX/XXXX without noticing me. What is wrong with these people? What could the hotel possibly say to justify " holding '' {$540.00} for a guest who stayed a night and left without spending anything other that her overnight stay? What could possibly be the reason for BOA to reverse the funds in just two days without resolving the claim. I 'm sick of the bank 's abusive practices. I 've had enough. I respectfully request not just the reverse of the funds but a compensation for what they do. How many people do they do this to? 
Thank you for your attention Sincerely, XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX
I have contacted XXXX, Transunion and XXXX about unauthorized inquiries. I have asked more than 3 times for them to remove them and they keep telling me that they can not. The dates are ranging from XXXX to XXXX.
I have had nothing but problems with PHH Mortgage company for the last threeeyearsand my stories could go on but let me explain whats currently happening, a few months ago in XX/XX/XXXX I decided to go through a new home insurance company which cut what I was paying for insurance in half, so in XX/XX/XXXX I called PHH advised them I needed them to do a reanalsys so that my mortgage payment that month was n't as high as if I was still with the old insurance company, Both my agent and I faxed in multiple copies of my decloration page and also had a four way call with do represenatives and my agent and I on the phone confirming they had my new insurance information. They informed me after the re analsys that i will be receiveing an overage check for about XXXX because by escrow had an overage which makes sense because it was time for renewal. well i received the check, used the money and now in XX/XX/XXXX i receive a letter saying my escrow is short XXXX $ how its that possible? so i call phh and they say the overage check they cut me i was suppose to pay my insurance, well i have never paid my insurance out of pocket, its part of my escrow. they said they letter attached to the check they sent me explain its, well they are wrong the letter says nothing of the sort and i was never informed. i have the documentation that there were funds left in my escrow they are also saying they paid my insurance because i never provided my insurance information which is untrue as well. now since Friday XXXX/XXXX/15 i was waiting on a XXXX-XXXX supervisor return call, and still have not received one.
I received a form letter from Bank of America at the end of XXXX, XXXX demanding for an information profile update. The letter and forms are attached. I called BOA immediately and was informed that if I did n't comply it would interrupt my services. I stated the only reason I have this credit card ( which I have had since XXXX ) was for charging items, etc. and did n't use any other BOA services. And that I paid my charges in full every month. 
Today, XXXX XXXX, I tried to use the card and it was denied. When I called BOA to ask why, they informed me that the XXXX required me to furnish BOA with a physical address at which I receive no mail. When I looked at the XXXX XXXX of XXXX it stated this information was required for new accounts. And that some banks would sell this personal information. I went to my own bank and they said they had never heard of asking a long time customer for this type of information. To me this is an invasion of my privacy.
Midland Funding who is collecting for XXXX XXXX XXXX  was paid back in the middle of XX/XX/XXXX. I got a loan and the bank sent them a check to pay it off. After WEEKS, I asked the bank to stop payment on the first check and send another, WHICH THEY DID IN XX/XX/XXXX. This company goes and finally attempt to cash the FIRST check even though I told them it had a stop pay on it! They still do not acknowledge the SECOND check, and I call these people twice per week! I do what they ask, and it does no Good! WHAT is this companies problem?? 
It has been paid TWICE now and still on my credit report! I have to repeat myself every time I call the company! They do not read, listen, or document accounts! 
The cancelled my settlement due to THEM NOT RECEIVING THE BANK CHECK on time EVEN THOUGH THE BANK SENT IT ON THE DATE WE TOLD THEM! 
THIS COMPANY IS UNPROFESSIONAL AND ABSOLUTELY NUTS!
My mother passed away and I inherited the subject property. The bank said they would work with me to advoid foreclosure in XXXX XXXX the FC is sale date is XXXX XXXX, XXXX. I was advised of what documents was required to be reviewed. I have sent all the required documents. ( XXXX, XXXX, Tax 's return, XXXX form, XXXX ; Dodd Frank Certifcate, XXXX paper work ; Quit claims deeds from all parties. My SPOC ( rep assigned to my loan ) continues to tell me i havent sent the correct documents. When I ask what documents I need to send she does not know. When I requested to speak with a manager I am denied I was advised someone would call back. That did not happen. I called again and was told the only person that I could talk to is my SPOC to whom was not available. I requested for a manager and was denied again. I spent 4 hours on the phone ( begging ) requesting to speak with a manager to get some answers, finally I spoke with a Admin Manager by the name XXXX XXXX ; Whom still was unsure of what documents were still needed. He then adv me my request for a review was closed due to insufficent documents on XXXX XXXX. XXXX said he would re- open ( re- activate is what he called it ) my request. I also asked several times for the FC sale date to be postponed I was denied that. The FC sale date is currently scheduled for XXXX XXXX, XXXX. I previously asked at the beginning of theis process would there be enough time for the reveiw. I was advised in XXXX, XXXX I did n't need to worry about the FC sale date because they have plenty of time to review me. Hence they have not reviewed me for any options and the FC sale date is still set. I asked several time cane the FC sale date be postponed until the can figure out what documents are still needed. Im still waiting for a answer. I live in the house with my XXXX child and we have no where to go if I loose my house. Im just asking for someone to pleae help me save me home.
XXXX/XXXX illegally ran my credit on XX/XX/2018. My credit bureau file is showing this as a hard inquiry. I have never applied at XXXX XXXX   XXXX. In accordance with the FCRA, I respectfully ask you to investigate my claim and remove the inquiries with all Credit Reporting Agencies. I've called the company numerous times and keep getting the run around stating there is no account opened but they haven't done anything to resolve the issue of running my credit without my permission. This illegal credit inquiry has caused my credit score to go down. Please kindly resolve this issue by doing whats right and removing the credit inquiry or suppressing it.
In XX/XX/XXXX I fell behind on my mortgage. I hired an attorney to help me work with my servicer, Ditech, to ask them for assistance in saving my home. I have been in contact with my attorney the entire time and his office told me they were working on the case and it was going fine. Then in XX/XX/XXXX I received a letter from my attorney stating he could no longer assist me because he had been disbarred for mishandling my types of cases. I then contacted my servicer Ditech and they stated I was denied due to missing paperwork. I came to the conclusion that my paperwork had not been handled correctly by my attorney and basically my attorney had allowed my home to go into foreclosure with a sale date of XX/XX/XXXX. I feel I have been defrauded by my attorney who has now been disbarred for mishandling my exact type of case ( Loan Modification and foreclosure assistance ). Besides hiring a fraudulent attorney I have done nothing wrong. I am a victim and I only wish to have a chance to have my loan actually fully reviewed for assistance before being foreclosed. I have attached to this complaint a copy of my attorney 's disbarrment. Although I understand I am filing a complaint against Ditech and they are also an innocent party in this transaction, I dot feel they should just move forward with my foreclosure on XX/XX/XXXX without allowing me to go through one review before doing so. I have hired a new very experienced attorney who helped me submit a full and complete application with financials today ( XXXX/XXXX/XXXX ) to Ditech. Ditech has told me that if they did not receive my application more than 35 days prior to a sale date, they may not be able to postpone my sale date to do the review. My sale date is currently XX/XX/XXXX. However, since I was defrauded by my attorney and kept in the dark, I only ask that Ditech give me the opportunity to actually get them a full application so I can be reviewed once before they move forward with the sale of my home. My family lives in this home and we have no where to go. My hardship was a one time issue and I now have the ability to pay all of my debt if I could just be afforded a loan modification to put the arrears on the end of the loan.
After filing a complaint against National Enterprise Systems ( NES ). I proceeded to call the us department of education on the suggestion of XXXX XXXX, XXXX and NES. The us department of education agreed that the loans in question don't match my information other than the Social security number. I explained that i had ID fraud twice in the past 20 years. 
All my loans for my education have been accounted for with the US Department of Education for the years i went to school. XXXX XXXX College, XXXX ( XXXX ) & XXXX ( XXXX ). The school, the name, the year and the address do not match y name or address for those years. The loan for XXXX is under XXXX. I didn't meet XXXX until XXXX and we married in XXXX how could i have his last name in XXXX. My address in XXXX was : XXXX XXXX XXXX XXXX XXXX, Ca XXXX I called NES back to share the information and then the lady began to lie and twist things around. so now the story at NES has changed again. Then she began harrassing me and trying to force me to say that i am voluntarily double paying on this loan. I am not, they are forcing me and they are taking more than the contract agreement. 
They have deceived me twice.
XX/XX/2018 XXXX XXXX XXXX was listed as a collection on my credit report for the amount of {$5500.00}. I did not receive any notification of this debt before posted to my credit. I disputed this debt with all 3 credit bureaus and was notified that the debt was verified. In XXXX I recieved a bill from XXXX XXXX XXXX for this same debt. Tried to speak with XXXX XXXX XXXX about the debt and was notified that they no longer have this debt. So I asked for validation of this debt from the credit bureaus and recieved a reaponse from XXXX XXXX XXXX. I contacted them once again and they told me again that they no longer have this account and that I would need to contact XXXX XXXX XXXX  which is who is listed on my credit reports. XXXX XXXX XXXX does not have a working number. The address is not valid. I researched the company and found no way of contacting them. Asked XXXX XXXX XXXX for a working number or address for the company and they do not have either. This debt is on my credit and I have no way of resolving it or removing it. The credit bureaus are not doing there job as far as the verification process and validation of this debt.
I am doing mortgage shopping. I applied for pre-approval at XXXX different places within 13 days and got hit hard by it. My score when down XXXX points. It was my understanding that they show as XXXX inquiry and does n't affect much but XXXX points?
I have been disputing a credit card account with Chase Bank and I sent them a Letter asking for the credit card agreement bearing my signature, the date it was opened, and the date of the first delinquency and they sent me a letter back stating that they could not provide me with any of that information because they sold the account. But when I dispute with XXXX, and XXXX it comes back as verified. Chase Bank is not able to verify this account so they are NOT GIVING ME MY DUE PROCESS of the FRCA and are reporting false unverifiable information.
I received an offer from Capital One to open a checking and money market account to receive a {$400.00} bonus ten weeks after completing the conditions ( see attachment ). 

Due to fraud alerts on my credit reports, I was unable to open the accounts online. On XX/XX/XXXX around XXXX central time, I went to the Capital One Banking Branch located in XXXX, Texas and opened the checking and money market accounts with the Bonus Offer Coupon. The Capital One Banking Representative called over her manager to input the code offer into the computer and I was told that I would automatically receive the {$400.00} deposited into my account within 10 weeks as stated on the Bonus Offer. One week after opening the account, I went to the Capital One website and printed a description of the Bonus Offer ( see attachment ). 

After completing the stipulations of the Bonus Offer, I waited patiently week after week but never received the {$400.00} Bonus. Finally, on XX/XX/XXXXaround XXXX central time, I called Capital One at XXXX and spoke with a representative named XXXX. After explaining my concerns to this representative, I was transferred to a manager named XXXX. This Capital One Manager stated that the Capital One representatives at the Branch misspoke and that the offer was only targeted to certain individuals. XXXX offered me a {$100.00} consolation, which I refused. I stated that I would be escalating this as appropriate since there was no supervisor above him that I could speak to. The phone call lasted 18 minutes.
Contacted ERC directly and via CFPB regarding a debt that was not mine after I received a letter in the mail. Within XXXX hours of receipt, I contacted ERC by phone and by mail indicating that this account was a result of theft and I had no knowledge of the account. I provided a police report and FTC affidavit. I was I was told that this issue was resolved ( ERC also indicated such via the CFPB complaint that I filed ), yet ERC just placed a collection on my XXXX report for the same amount but with a service date of XXXX 2015-XXXX 2015. This is not correct as I have never had service. A police report has been provided and it has already been removed from my report once.
reference orig case XXXX ... XXXX XXXX and follow up # XXXX, XXXX XXXX ... This is a REQUEST for information.Please provide SPECIFIC, DETAILED information concerning violations of TILA, and fee shifting provision REQUIRING a defendant to pay plaintiff 's attorney fee 's and costs.ADDITIONALLY, as I interpret the law, I am wholly dissatisfied with SERVICES I purchased with credit card, namely useage of an access check for a 2 % FEE, PAID UPFRONT. I, therefore have the RIGHT NOT TO PAY remaining amount due, which happens to be extorted interest and aggresively extorted " late fees '' ONLY ... Original balance was paid in full prematurely. My RIGHTS are preserved because the purchase was based on an advertisement Chase mailed to me.
Upon reviewing my credit, it looks as if I have ALOT of credit injuries that DO NOT belong to me. I even have some that show up on multiple times from the same company just a few months apart. I 'm unaware of these injuries. On  XXXX   XXXX ,   XXXX  , I sent a Multiple Inquiry Removal Letter via certified mail from the United States Postal Service to  XXXX , which was delivered at   XXXX   XXXX   on  XXXX   XXXX ,   XXXX   in  XXXX , GA  XXXX  asking them to investigate. On  XXXX   XXXX    XXXX   and  XXXX   XXXX    XXXX  ,  XXXX  sent me  XXXX  letters back stating " that the injuries are accurate and that I needed to contact the creditors. '' I contact the creditors and was told to put in a dispute with the credit bureaus. According to the FCRA Rules, FCRA  623 ( b ) ( 2 ) and 611 ( a ) ( 1 ),  it states that any information can be disputed and MUST BE INVESTIGATED and if you do not investigate and respond, the CRA must delete and disputed information from its files. The fact that I received a response 5 days after the receipt of my certified letter shows that there was n't any investigation into the mater. I plan to purchase a home and with inaccurate information reporting on my credit will make it seem like I 'm in a financial struggle which is n't true. I 'm submitting this complaint due to the lack of investigation into my original dispute for hard inquires that does not belong to me. This is unfair practices by a credit reporting agency and that is n't fair.
I applied for forebarence on my Navient loan which was approved. They continued to call and harrass me for payment anywhere from 6-10 calls per month. I finally spoke to a person in XX/XX/XXXX and they told me the loan was n't in forebarence even though I had a letter stating it was. I negotiated with the collections rep to make a double payment by the XXXX of the month every month until the loan was brought current. I made that first double payment XX/XX/XXXX on the phone. I sent the second double payment XX/XX/XXXX via mail which they received on XX/XX/XXXX. My next double payment should n't be due until XX/XX/XXXX. This morning ( XX/XX/XXXX ) I received a phone call saying my payments are late and need to be brought current. No record of course with me negotiating the double payment back on XX/XX/XXXX. I am doing what I said I would do and the phone calls and harrassment does n't seem to stop.
National Credit Services is showing on my XXXX Report that I still owe {$440.00} to XXXX XXXX. There was a separate negative account showing on my Credit Report XXXX XXXX that controls XXXX XXXX that was satisfied and dismissed thru XXXX County Magistrate Office File number XXXX I contacted National Credit Services that this collection they are attempting to collect was dismissed and satisfied from XXXX County Court They have refused to verify and remove from my credit report they keep saying it is my responsibility to prove my case I believe I have done so with the report number being given to them and with XXXX credit bureau XXXX did nothing but remove XXXX XXXX Courts showing the account was satisfied that collection was showing XXXX XXXX and the National Credit Service shows XXXX XXXX -- - They are both the same company This collection is having negative effects on me I have proven my case but no one wants to remove this my credit report
On Thursday, XX/XX/XXXX, I spoke with a Bank of America manager who was handling a credit card late fee escalation on my account. I had previously been told that a {$38.00} late fee on my Bank of America credit card would be waived. After multiple escalations, the manager told me it in fact was not going to be waived and I needed to pay. On that same call I decided to go ahead and pay the {$38.00}, funded by my Bank of America checking account. The manager read me the disclosure and asked me to confirm I was authorizing the {$38.00} payment from my checking account. I agreed. The next morning ( Friday, XX/XX/XXXX ) I logged into my account and found that my account was not charged {$38000.00} instead of {$38.00}. My checking account was overdraft by over {$35000.00}, leaving me with no access to any of my money. Out of all days for this to happen, it was a day I had taken off from work to take my daughter on a tour of a sleep away camp. The camp was offering an early discount if paid that day, however my daughter wanted to see and experience the camp first-hand prior to submitting the deposit. Since I had no money for fuel, I could not make the trip, devastating my daughter. In addition, I had no money available that Friday to go to a supermarket for food or formula for my XXXX month old XXXX son. Bank of America told me it would take 3 days to process the refund ( the following Monday ) which was unacceptable. After over 3 hours of  phone escalations, Bank of America informed me I would receive the credit by XXXX Friday ( same day ). In the early afternoon I was then informed the credit wouldn't be issued until XXXX. I then received a call that I would need to wait till midnight to have access to my money again. To add insult to injury, the credit was issued by Bank of America by placing a stop payment on the check that was issued to the credit card. A stop payment fee was then placed on my account ( additional {$30.00} ) which I needed to call and have refunded today ( Monday, XX/XX/XXXX ). I am ready to move my business elsewhere after having been a loyal Bank of America customer since 1995 ( 23 years! ).
On  XXXX   XXXX ,   XXXX  , I became aware of a fraudulent transaction of {$87.00} charged to my debit card on  XXXX   XXXX  by  XXXX . I called my ban k ( Chase ) o n  XXXX   XXXX  to clear this up and was told that I would be given a temporary credit for said amount until an investigation was conducted. Today, on  XXXX   XXXX ,   XXXX  ,  Chase  decided to reverse the credit. I contacted the bank and the representative told me that  XXXX  provided my name and address and said that it was strong evidence that the transaction was legit. I feel that this is merely evidence that my information was stolen. I have never made a single purchase from  XXXX . Furthermore, I use my debit card daily for so many things and would not lie abou t this one transaction.
cash central loan was bought by another creditor and paid off yet it is still showing on my XXXX and XXXX credit reports as a negative account.