WillisBack/dataset-financial-user-claim huggingface dataset:
Huntington Bank, XXXX, OH I have a long standing loan for mortgage that last month I tried to pay off in full. I went to my local Huntington Bank branch in person asking for a payoff amount good for that day/date. Teller advised me it was my monthly payment amount - once paid - it would satisfy my mortgage and a mortgage satisfaction would be filed by the bank. Last week I received an invoice for the loan in the mail from Huntington Bank stating I owed {$1.00}. I went into the same Huntington Bank branch ( XXXX, PA office ) where the teller said that she would give a copy of the invoice to her manager and that I did not need to pay anything. After that visit today, I call XXXX ( loan manager ) at the XXXX, PA office where I was directed into voicemail. I was told to call XXXX via Huntington Bank 's XXXX customer service number. XXXX XXXX voicemail stated that the system was not operational so message could not be left. As I need to have this real estate shown as free and clear - I need the mortgage satisfaction filed ASAP.
This debt is not mine. I spoke to the billing department and I do n't owe anything. Never been to this hospital. There is no medical record of the date and service that the collection is for. I never lived in the address that the collection has on file. This collection is invalid or another person did it not me. I have medical insurance there is no way I would a have a bill like this.
I filed a dispute concerning XXXX XXXX. When I did n't get the response I expected I filed a report with CFPB. I received a letter from XXXX XXXX stating that " XXXX XXXX reported your account to the credit reporting agencies as a " Satisfactory Account- Closed at Consumer 's Request '' in XX/XX/XXXX. In XXXX and XX/XX/XXXX, your account was reported as " 30 days past due '' and " 60 days past due '' respectively. However, upon the closing of the billing dispute noted above, your account has been re-aged. The delinquencies have been removed and your account will report as current for XXXX XX/XX/XXXX with the next reporting of your account. We regret any frustration you may haveexperienced as a result of this situation. The issue regarding the credit has been escalated to the appropriate team for further research. " I called Experian and asked why my account has n't been re-aged and why they reported the Account closed as of XXXX, not XXXX. I stated that I attached the letter from XXXX XXXX. XXXX from Experian explained that the Account # XXXX XXXX reports is different than the Credit Card Account #. XXXX said that they will send the letter to XXXX XXXX to verify. 

Why was n't the letter sent to me by XXXX XXXX verified before completing the dispute? I would like this issued resolved as it seems to be lingering on.
When I moved out of my apartment I received a bill for {$650.00} for damages to the apartment. I asked the apartment complex to send me an itemized bill of the damages along with photo proof. The apartment complex failed to give me an itemized bill and photos of what they were charging me for. 2 weeks later I received a letter from a collection agency for the money that was supposedly owed. The collection agency has since started charging me interest on this account, and I still have not received a bill or photos telling me what the damages are.
Online Collections XXXX, XXXX, XXXX XXXX, telephone number ( XXXX ) XXXX are attempting to collect debt of {$16.00} from their client XXXX XXXX XXXX when I am paying my bills to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, telephone number XXXX. 
Also all my XXXX XXXX XXXX XXXX are under XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, CN XXXX, XXXX, XXXX XXXX, telephone number XXXX.
I had an issue paying my bill and in XX/XX/2017 I contacted them and they offered a 3 month fixed payment plan. What they failed to tell me was that this would be listed in my credit report as a missed payment on XXXX - XX/XX/2017. If I was notified of this I would have never have taken the option, I would have just paid as I always have. 

I contacted Chase bank and they investigated, however they called me back and told me that the recording of the conversation no longer exists and as a result they would not remove the report on my credit. I feel this is extremely unfair and as stated I would never have agreed to the plan if I was informed of this.
The original account was with XXXX over 7 years ago. When the account was closed, the remaining balance was credited and was left with a XXXX balance. This account was removed from XXXX, but is still being reported by XXXX and XXXX. This account is more than 7 years old and I am no longer liable for this account as it was paid prior to going to collections with Trident. Each time that there is a new acquisition of XXXX  accounts, this account keeps getting transferred instead of being formerly closed out. I have never had an account with Trident Asset Management and this should be removed from my credit report as it is infringing on my rights to Fair Debt Collection practices. This account appeared on my credit report in XX/XX/XXXX ( never reported prior to this time ) and when I noticed this old debt I contacted the agency to remove. It was agreed that they would remove it, but the debt keeps appearing on my credit report. I contacted the better business bureau and they have sent on XX/XX/XXXX and I also spoke with their representation onXX/XX/XXXX I escalated the call to the manager of the rep as she was unable to produce information as to how my credits were applied ; she advised that this debt was merely validated. I asked for an explanation of charges and this was never produced. This debt is too old to report and should be removed from my credit report instead of keep getting sold to additional credit collection agencies. Please have the company update the records and remove from my credit report.
I paid an {$85.00} bill. This collections agency put on my XXXX credit report as I still owe this money. They told me they update the report every Friday. Friday came and no update. the next Friday showed up and no update. Then they told me they would send a receipt and I would have to contact XXXX myself. Three times I asked for this receipt and they never sent anything to me. I had to put a reverse on my credit card. Now they are trying to collect this debt again.They put XXXX more negative things on my report. They could only put negative information on credit reports This collections agency should be shut down
I am trying to understand what is going on what the payments to this account. My account is set up for auto-debit. The amount to be debited was supposed to have been calculated by XXXX to include the accumulated interest between payments. I am reviewing the payments made relative to the accumulated interest, particularly for XX/XX/2017, and see that the interest amount kept accumulating despite the monthly payment amounts exceeding the monthly interest accumulation. I don't understand how this is possible, especially since I am now learning that this loan is re-amortized on a quarterly basis. My loan statements indicate the monthly payment was being entirely applied to interest, and yet the interest kept going up, in some cases by hundreds of dollars in-between months. 

I have previously asked for the terms of my loan agreement, specifically that part that addresses interest rate calculation, amortization, and other pertinent terms to the calculation and pay-off of my loan. My monthly loan payment was changing, and I did not understand why this way occurring. I even went through the CFPB in an attempt to obtain the relevant documents. CFPB closed out my case after XXXX responded, and did not provide me an opportunity to indicate whether the information provided addressed the issue. XXXX responded that the monthly payment changed due to changes in my interest rate. However, to date, I have only received a two-page promissory note, but nothing with the loan interest rate or calculation formula. I have requested this information so that I can review it. I do not have a problem with paying an owned debt ; however, I would like to know how the debt is determined so that I can make informed decisions as a consumer on how best to resolve the debt. This issue is only occurring on my CitizenBank student loan serviced by XXXX. Each time, both entities keep telling me I need to go through the other party for the requested information, resulting in me not being able to obtain the information from either. Attached is all of the information I have received from either party relating to the terms of my loan. The document DOES NOT address the loan terms, but simply defines ( incompletely as terms are clearly missing ) them.
I sent chase auto, XXXX XXXX and XXXX a letter requesting verification and validation for account number XXXX requesting original documentation in its original form with signatures. During the time the loan was taken I was in XXXX so I know I dont have a contract. They didnt not give me a full and Thorough investigation._1
We have been receiving phone calls to my wife 's cell phone from Diversified Consultant Inc. We have attempted to block their number ; however, the following day they would call from a different number. Calls are received everyday around XXXX XXXX  and around XXXX XXXX. Here are some of the numbers they have used to call us : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX It appears to be a collection agency. We have no outstanding debt that would require debt collection. 
We have spoken to someone from the company named XXXX. He said they would remove our number from their list.
A hard inquiry was made into my credit report on XXXX XXXX, XXXX without my approval or knowledge. I communicated with a mortgage consultant at XXXX XXXX XXXX about refinancing my home, but I did not complete an application and I did not approve an inquiry into my credit report. This inquiry apparently dropped my credit score by 5 points. I would like to dispute this inquiry and have it removed from my credit report. 

Date : XXXX/XXXX/XXXX Company that made the inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX Phone : ( XXXX ) XXXX ; ( XXXX ) XXXX Email : XXXXXXXXXXXX
TCF BANK LOAN XXXX HAS VIOLATED THE '' THE DODD-FRANK ACT ). PROHIBITING UNFAIR, DECEPTIVE, OR ABUSIVE ACTS OR PRACTICES IN THE COLLECTION OF CONSUMER DEBTS. 
XXXX F.C.R.A. VIOLATIONS, UNLAWFUL RE-INSERTING LOAN ONTO TRANSUNION AND EQUIFAX CREDIT REPORTS ( WITHOUT 5 DAY NOTICE TO CONSUMER ) BY CHANGING ACCOUNT TYPE, STATUS, DATA ETC.. AND FINALLY RE-AGE DEBT. 

XXXX T.C.P.A VIOLATIONS TO MY WORK AND CELL PHONE, AFTER CEASE AND DESIST ORDERS AND DO N'T CONTACT NOTICES. I HAVE ALL RECORDS, VOICE AND DOCUMENTATION. 

S.O.L. EXPIRED STILL TRYING TO COLLECT ON A DEBT THAT XXXX DISCHARGE UNDER XXXX MODIFICATION BY XXXX MORTAGE.
They have charged overdraft fee XXXX times in a roll in XXXX day. Each one was {$35.00}.
As advertise by Wells Fargo bank I have opened new account and followed instructions for direct deposit. This new account has promotion of {$250.00}. After several e-mail communications bank is refuse to pay promotion amount. They are claiming direct deposit is not valid. Account was opened in XXXX 2017.
I sent copies to Equifax to dispute XXXX 30 days late from XXXX. It clearly shows that I made my payment and collected by the end of 30 days. Dispute all of these copies of proof they would not correct the problem. The law states that consumers has 30 days to make payment before it is reported to credit bureau. This ensures that the consumer is protected.
ABR Recovery Services LLC refuses to address BOTH accounts they are reporting to XXXX. I will put a complaint out every single day until it is rectified. I will send a complaint to the Attorney General of California until they are federally investigated. I will do whatever it takes from here on out to get these fraudulent re-aged accounts off of my credit profile. 
I am attaching both accounts listed on my credit report that you guys keep changing dates on. I want a FULL explanation of both accounts. When they were opened, when they were charged off and the exact amounts of BOTH accounts. Until I get an explanation of both accounts, and why one the newest account I wasnt notified and just landed on my credit report 2 months ago, I will pursue this until the end. 
PLEASE SEE ATTACHED CREDIT REPORT PAGES SHOWING BOTH ACCOUNTS. SEND ME A COMPLETE EXPLANATION ON BOTH ACCOUNTS AND DATES!
on XX/XX/2018, I went to my local TD Bank to withdraw funds from my TD debit card. When I tried to withdraw XXXX dollars, the ATM at the TD Bank would say it could not process the transaction. I tried the only 2 ATMs there and it would not withdraw funds because it was " Unable to process the transaction. '' It was after bank hours so I couldn't speak to a representative. And I had about one thousand dollars of available funds so there was no reason why my withdrawal could have been declined. 

I had to use my XXXX XXXX XXXX ATM card to withdraw funds from that TD Bank. I was able to but was charged 3 dollars from TD Bank and also incurred a {$2.00} fee from XXXX XXXX XXXX, totally {$5.00} in fees because the ATMs couldn't withdraw from my card. 

I went to TD Bank the next day and told them what happened. We tested the card and it worked fine. There was nothing wrong with it. The banker said it must've been the machines. At this point all he could do was file or log a complaint, but couldn't reimburse me for the fees. He said I would have to speak with XXXX XXXX XXXX since TD Bank doesn't have any fees charged on their end. 

I called XXXX XXXX XXXX and they also gave me the run around, saying that the fees are standard so they couldn't do anything about the fees either.
Capital One blocked my credit card because I redeemed miles on the account. To verify the account they demand ID, front and back, Social security card front and back and a utility bill. I consider these demands for verification onerous and absurd. They will " unblock the account '' after 72 hours! No other bank engages in such demands.
Hello, I contracted with a company named " Fair '' to acquire a short term lease to acquire a car to use for work.

I should have realized not to do business with this company after they ran separate hard credit checks inquiries simply because the car I wanted ( and they promised was ready ) was unavailable and I needed to get a different car.

I picked up the car, which was misrepresented by the company in the ad, with pertinent damage the exterior and interior with major stains on the cloth interior. The payments were automatically billed against a credit card, however after a few weeks, FAIR began billing each of my two cards {$220.00} per week even after I unsaved my credit card information. 

Attempting to contact them, in the month of XX/XX/2018, I was required to wait 45 minutes for a human representative who would put me on hold again for a supervisor, who were always conveniently " Not available ''.

When I attempted to return the car, the company did not show up & on the agreed upon date and did not call. Fair continued to bill me after my pickup date because the car " did not get returned ''. I have a copy of a signed document showing the car was picked up on the XX/XX/XXXXhowever, a bill on the XXXX. Yet the Fair representative picking up the car insisted I was not allowed to have a copy of the pickup receipt, which I found incredibly inappropriate. However I was so desperate to end their overbilling, I was afraid of giving them any more reasons to say " The car wasnt pick up yet '' and continue to overbill instead of acknowledge their failure to use vendors who do not give out receipts. 

I was overbilled to the sum of {$1100.00} over the 3 months I was using the car for work, and I received threatening form letters however I can not for the life of me get a supervisor on the phone to actually fix their mistake. 

I have sent multiple emails and attempted to call their office but I have gone ignored once the person insists its going to a supervisor, but the issue is clear : there isn't anyone with the necessary authority who is available to their customers, after they sign on the dotted line.
Discover claims that I signed up for " payment protection '' XX/XX/2011. I do not recall signing up for this service. By my math, since XX/XX/2011 I have been charged {$450.00} in fees for a service I did not enroll in. I called Discover and was told that I could only be reimbursed for the past six billing cycles. I would like to reimbursed for these charges in full.
I opened a XXXX checking account in XXXX 2016 after receiving in the mail promotional code XXXX. This promotion entitled me to earn XXXX XXXX Bonus Miles if I made XXXX electronic bill payment for two consecutive months and {$1000.00} in purchases using the Citibank Debit Card. 

These were required to be completed within 60 days after account opening ( meaning by late XXXX 2016 ). I am not sure what the problem is in Citi 's operations department, but I had to call customer service multiple times in XXXX and XXXX because I never received a debit card. I first needed the debit card before I could make the {$1000.00} in purchases as well as activate my online account to make the bill payments. 

Finally in early XXXX I received my debit card, over 60 days after account opening. I called customer service and explained the situation, and the representative explicitly told me I could still complete the steps and receive the promotion, even though it was past the stated deadline. The representative told me to call back in and report when I had completed the bill payments and purchases. 

I called in early XXXX to report that I had met the requirements, and I was told I would be awarded the miles within 90 days. After over 90 days had passed, I called on XXXX/XXXX/2016 and inquired about the status. After waiting 5 more days, I received an email stating " your account does not qualify for the promotion because the required bill payments and debit purchases were not made within stated timeframe. '' I called again and asked for a supervisor, who told me that " the Promotions team may have told you that you qualified this summer, but now they say you do n't. '' Had I been told this originally in XXXX and XXXX when I called, I would n't have kept my account open. I have been paying a XXXX monthly service charge each month waiting on the miles to vest and deposit into my account. I honestly believe that Citi enticed me to open an account with a promotion, then intentionally provided slow service and mixed answers so they could continue to collect my monthly service charge. 

I am extremely angry with this situation and Citibank 's response. Not receiving a debit card for over 2 months as it was supposedly " lost in the mail '' multiple times is unacceptable. On top of that, being explicitly told I was granted an exception to the promotion timeframe deadline, then being told the opposite with no recourse after Citi extracted multiple months of service charges, is ridiculous.
-vehicle was towed -on date vehicle got towed registration expired so i could n't get it out only the lien holder who had title due to rules at tow yard -the lien holder who navy federal credit union -the tow company sold vehicle -navy federal is trying to not accept responsibility by saying i still must pay for the car -in addition they claim they never got a title which is a lie due to the fact the dmv has proof of electronic title -also navy federal stated that they never received mail from tow yard stating car was there which is a lie post office has proof of delivery -then are trying to give me a rake hike due saying the do n't have title -i am stuck with no car and having to pay for car plus cant get another car
In 2013 Wells Fargo foreclosure on my house at XXXX XXXX XXXX XXXX XXXX pa XXXX What I need from Wells Fargo is documentation of the foreclosure and eviction for my records the loan number is XXXX. Please try to get this information.
XXXX / XXXX /2014   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , Fl  XXXX  This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.
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You are required by federal law to provide me with verifiable proof on file of each account listed below. It is against the law to retain in my file, assemble, and sell a credit report containing unverified and invalid information. Your failure to positively verify the validity of the accounts listed below has hurt my ability to obtain credit. Under the FCRA you required to promptly DELETE NOW all unverified and invalid accounts, to avoid potential violations of FCRA 605.
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Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. Please verify and validate all data for each listed account, every notation, dates and balances, whether reported or not. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
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Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
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Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
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Name of Account : ALLIED COLLECTION SERVICES Thank You,   XXXX   XXXX
I have bank of america for last 20 years. I used to get email when my balance of my account go below theshold limit so i do n't pay them maintenance fees.     bank of america has started charging me {$14.00} fees for las t three mo nths without my knowledge, as i was not getting any paper or email statement starting from  X/XX/2017    to   XXXX     i have paid {$42.00} in maintenance fees.     every time i tried to call them the line is too busy and there is no email address to send them email on there website.
I filed for bankruptcy XX/XX/XXXX, which my home was in foreclosure from XX/XX/XXXX to SeptXX/XX/XXXX. From the time that I filed bankruptcy until it was discharged the XXXX for the home continued to try and collect funds from me. Bank of America refused to provide documentations showing that they submitted a claim through their FHL process to recover and pay all XXXX fees from the time that the home entered into foreclosure until it sold. It miraculously sold right after I sent them a 2nd notice that my bankruptcy was finalized. They continued to keep the home in my name through the bankruptcy process and after. Instead of selling it at auction.
I am being taken to collections for a service I never requested. I never received a bill, a late payment, any notifications of anything due, nor did i ever receive a phone call or notice of payment from the collector.