WillisBack/dataset-financial-user-claim huggingface dataset:
This all started in XX/XX/XXXXwith My Bank of America personal credit cards. I meet with my accountant and was told to pay down my credit card debt using my home equity line. For the past 4-5 years I have been paying the minimum amount and was set up on the Bank of America website to make auto payments so I would never be late.

When I attempted to make a {$10000.00} payment if was accepted through the website and then denied. I called Bank of America and we had to have a three way call with Bank of America, XXXX XXXX XXXX and myself to confirm that the funds were available. Once XXXX XXXX XXXX   reported that I had the funds to make the payment it went through.

I attempted to do this four more times between XX/XX/XXXX andXX/XX/XXXX with the same problems. I was told that my payment amounts were larger than my typical minimum payments and that a third party that Bank of America used must have messed up my routing number information. Furthermore they locked me out of my Bank of America online banking and I was and still am set up with paperless billing. So I would have to wait to get a call from Bank of America to make a payment and each and every time they told me that they would unlock my Bank of America online banking page so I could keep making payments.

Within the past two weeks I sent them over {$4000.00} in payments and then they sent me a letter telling me that they were closing two of my credit card accounts. I believe that this was done because I was paying down the cards and it appears to me that they were making it harder and harder to pay my bills. It should be noted that I have been a customer of Bank of America since XX/XX/XXXX.

I believe that this is the predatory lending, I believe that they did not want me to speed up paying my credit cards. I have had over a dozen conversations with various people at Bank of America and each and every one of them said that they could not understand why this was happening to me.

I called today to find out if they have set up a payment plan and was told just keep paying the minimum on the two cards that they cancelled.

I believe that Bank of America has been more than paid for these to cards over the past 13 years with the large amount of interest that they charge.

At this point I need your help to contact them on my behalf and either have the reported amounts due changed to paid in full or set up a payment plan as this has no effected my credit rating.

Thank you for your time.
Recently, I sent certified mail with supporting proof of identity theft and the agency refuses to remove items that are a resulting the theft. I have uploaded documentation that was sent. I have also filed another complaint with the FTC, this way all measures will be exhausted and the only thing left will be a civil complaint. There is nothing more to add as this has been ongoing for sometime and many credit violations have been made. There is a timeline in which this has to be addressed and they have not done anything accept take down my score as my continued effort to fix things get worse.
This is the second time I am complaining about a company who has victimized me and made false statements to the Credit bureau that I have 30,60,90,120 days late on payments when I have not been late but once last year due to a medical hardship which was only one month which I made an additional payment of. The company, XXXX XXXX XXXX, has abused my civil rights by constantly causing a drop in my credit score which I have worked very hard on for the past 7 months so I can buy a home.
In XX/XX/XXXX I took a loan of {$1300.00} from them and continued making {$59.00} payments and they continue changing their policies and now say I owe them {$1000.00}. This has been going on for 2 years of payments and abuse from them. I am contacting the Attorney General in my state as well as a Senior Legal Firm next week.
On XX/XX/XXXX I called them to make a payment and was told my account was in collections because I did not pay XXXX and XXXX payments on the XXXX of the month. My payments were made on the XXXX of the month from XXXX arrangements with XXXX, but was refused the payments as legit and told early payments do not count. This is the kind of games they have played since the beginning of the online contract.
Every time I call them, a foreigner with a XXXX accent tells me a new thing about the account and keeps me so confused I do n't know what they are doing other than victimizing me and scamming me for more money, and as far as I know they are not a payday loan company and do not advertise as one. I need help to solve this outrageous scam.
I keep asking the credit bureaus to remove my the years of XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX late payments. I'm not supposed to have any " late payments '' because I " re-finance '' the car loan with XXXX XXXX   therefore, I started fresh since XX/XX/XXXXto present year of XX/XX/XXXX. They keep refusing to remove the " late payments ''.
XXXX XXXX XXXX went bankrupt and closed all account. I was negatively impacted by this because my score dropped 15 points.
AES had my loan deferred when they were aware that I was no longer attending classes. In doing this they increased the amount of accrued interest substantially. My payments are now unbearably high due to interest charges accrued.
On  XXXX   XXXX , I received an email stating my account was unpaid. I checked my banks website, which I had ebill setup on with CapitalOne for years and have always paid my bill, and they had not received a bill since  XXXX   XXXX . I logged into  CapitalOne 's web site immediately and paid the bill in full, I proceeded to check my email for any indication my account was over due before I was notified on  XXXX   XXXX , but have no communication  from CapitalOne sayin g as much. In addition, I have received no notification that they were going to stop the use of ebills from them via email, mail or telephone. Upon payment in full of the account, the website said it will not be reported to the credit agencies that my account was " overdue ''. I contacted a young lady in customer support shortly there after and she confirmed they are no longer accepting ebills, does not know specifically when they stopped accepting them, and that my credit report would not be affected by this because I was not communicated with about the change in service. She even removed the late payment fee 's due to this. Two days later I was notified by my credit monito ring my credit score  dropped  XXXX  points, and upon review of my credit report even though it shows as everything paid as on time for th e CapitalOne  account, they are reporting it as 60 days late. This contradicts both what the online payment website said, and what the customer service representative had told me. I contacted them again and got a different person, who after almost a hour and a half told me yes as a consumer he would feel frustrated as well but there was nothing he could do and I would have to contact someone higher than him or mail in a letter, not providing any information on who was higher than him, only an address and fax to send a letter to.   
I have been a customer for many years, I do not carry a large balance, maybe 10-20 , which is paid monthly. While the first representative was willing to help and make promises that confirmed what their website said about the credit report, two days l  ater was the first time anything appeared on my report regarding them and the next representative was unable to help at all.
XXXX XXXX XXXX has filed fraudulent information on my credit report which showed up on TransUnion. Transunion has been notified and a dispute filed on XX/XX/XXXX.
They reported on XX/XX/XXXX a " new bankruptcy-XXXX XXXX/XXXX '' This account was paid on XXXX/14 and included in a bankrupty filing back in XXXX. Upon reviewing my XXXX XXXX report, XXXX XXXX falsifying information and reporting actions to Transunion resulted in my credit score dropping over XXXX points in one day! I have worked diligently and improved my credit score over the last 3 years significantly. This is extremely damaging to my credit profile and must be corrected immediately. Please have this information removed and updated so that my credit score is back in the XXXX 's as it legally should be and inform me by letter : XXXX XXXX XXXX, XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX. My attorney has been contacted and can provide the filing or any other information needed to resolve the actions of Transunion and XXXX.
I have asked several times for verification of this debt, i have never received any actual proof that I owe any money, they still reported this account to the credit Bureaus.
Deposited XXXX payroll checks, totaling over {$2800.00}. The teller told me the funds would be available the next business day. Funds are still not available 1 week later despite numerous calls and visits to the bank. At each call and visit, I was told the funds would clear the next day. At the last call three days ago, I was informed that the check would be held for 6 days at maximum. It is now 7 business days in and I have no anser as to when funds will clear. The bank is posting electronic bill payments and calculating a minus balance with imposed late fees despite pending checks. I would like to close account but the bank has refused because the balance is " minus '' despite the {$2800.00} deposit that has not yet cleared.
Activehours needs to access my XXXX account and is currently having difficulties as well as too my XXXX XXXX account also. Its been about two months now and it has been nothing but misrepresentation that has occurred. I would like to do business with Active hours, truly they are an interesting and unique company. I ca n't or we ca n't some how get connected for whatever reason. So I am being asked to reach out for some help from you kind people so we all can get going with this slight situation. Thank you in advance for your time and consideration. Have a wonderful day!
My father, XXXX XXXX, is on a fixed income but financially stable with good credit. My brother who is a substance abuser, has no credit worthiness. My father and brother went shopping for a car, most likely a used XXXX that my father was to cosign for and my brother make payments. At the dealership ( XXXX XXXX in XXXX Ky ), a salesman discovered my brother 's credit problems. My father, not understanding what was going on, was persuaded to be the main borrower. The salesman proceeded to up-sale my brother a brand new car he could n't afford, and used my father to get the bank, ( Chase ) to secure the loan. Now Chase is harassing my XXXX XXXX XXXX father relentlessly, causing him untold stress and no payments have even been late! Is it possible to get my father 's name off this loan at this point? I realize he SIGNED the papers, but he 's elderly and honestly did NOT know what he was signing for at the time.
All my student loan has been paid and charged off. i call department of education and the confirmed it. the even went and check the national student loan database and my account was clear but my credit report show multiple student loan thru multiple collection agency those informations are not true and needs to be removed from my credit report
I opened a line of home equity credit with Wells Fargo. 
My borrowed amount is approx, 13,000..they have added XXXX overdraft protextion. 
I now owe XXXX I want to pay off the loan and I feel the final payment is extortion. 
I was never explained the over draft policy. Wells fargo has opened up an a second checking with out my consent.. They withdraw XXXX and add it to the bill..please help me!
They call my cell, my work and my mother! They have called me before XXXX XXXX  at least twice.
Keep getting calls from Credit control llc about debt collection. I do not owe any money and all my accounts I do have are paid on time every month. I am thinking these calls are for the person who previously had my number. I want the calls to stop. This is harassment!
several weeks ago i noticed that on my credit report with transunion that the XXXX inquiries that were on my credit report were deleted and now has reappeared on my report. here are the companies that was removed and now has reappeared. XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 and XXXX XXXX/XXXX/16. I have called several times and have been rerouted disconnected sent to voicemail. The excuse that i was given is Yes we can delete these inquiries however because your account has a fraud alert we are unable to remove it ( which I have sent transunion a certified letter requesting for them to remove this from my credit file to no avail its still there but thats another issue. Lets just focus on on the removal on the reinserted inquiries ) .. this is what a representative told me from XXXX as well as a XXXX special handling representative. 
Transunion is well aware that they are in violation of the FCRA 611. that advise that notification must be mailed out within 5 business days before reinsertion. I would like these inquiries to be immediately removed. I am tired of being given the run around my next step will be to go beyond the XXXX if this problem is not immediately resolved. Thank you for this attention in this matter
I called into to cancel my payment due to fraud. Dated for tomorrow. I was advised that they would cancel it tomorrow once I called in with my new payment. I explained several times I wanted it cancelled today. I was advised she could n't or would n't do it. Then told due to my delinquency I would have to speak with management. I asked why it could n't be cancelled was told I needed to set something up. Her name was XXXX the debit payment was never cancelled after again explaining it would n't go through due to closing out that debit card. I felt like my checking information was held hostage with nothing for me to do except comply with their demands. I called back to speak with a rep and asked their speedpay policy. All she could tell me was it depends on how far past due you are. I flat out asked could they cancel my payment and was told I still needed to speak with a manager. I should n't and wo n't go through all these hoops to cancel a payment. If I needed it cancelled it should have been done. I planned on calling in tomorrow to set pmts up with my new checking information.
On Friday XX/XX/XXXX I made a purchase online for XXXX and since it was at wrong location they were supposed to refund the money. Because that did n't happen in enough time on Tuesday Morning I was overdrawn by {$6.00}. and some change. I immediately went down and deposited XXXX to cover the overage as the items had not been officially posted yet. 
That brought me into the positive {$13.00}. At that point all of my pending transactions were accounted for in the available balance. ( I have receipt as verification ) Later that day an overdraft fee for XXXX was added to my pending transactions despite the fact that i had enough for all pending transactions to post without overdrafting me. 

This overdraft fee brought me into a balance of negative XXXX. The bank then proceeded to post all the transactions i had made on the XXXX which would have been fine but they posted the over draft fee as the first item, and re ordered my transactions to cause me a futher overdraft.and then they charged me for two more fees.
I tried calling branch manager but she was rude and insisted it wasnt bank error.
I sent a rent check to my landlord on  XXXX   XXXX ,  2016  and in  XXXX  the landlord told me they never received the check ( #  XXXX  amount {$1300.00} ) so I immediately went t o HSBC (   XXXX   XXXX ,  XXXX , NY  XXXX  ) and got a copy of the check, the check was fraudulently endorsed and cashed. I then filled out an Affidavit to start the investigation to be reimbursed. I went back to  HSBC after  a couple weeks and was told the check ( #  XXXX   ) h ad been cashed at a   XXXX   XXXX    XXXX  and they were waiting to get the funds from them. I have called and returned to the bank several times and I am still waiting on this investigation. I have not been reimbursed!!
Innovis, XXXX, XXXX, XXXX, and XXXX set-up XXXX as a means of delivering disputes from the credit reporting agencies to the data furnishers. XXXX does not work!!!! I have had XXXX for numerous years, and have NEVER received a notification of a dispute. Furthermore, I can document instances, that a negative credit blemish was deleted without XXXX notification ... a clear violation of the Federal Fair Credit Reporting Act. XXXX is JOKE!!!!!!!
I was checking my credit score and a collection appeared with no prior notification for a XXXX Bill that was included in my bankruptcy from 2010.
I have an account through BBT and I also have a vehicle loan. On XXXX/XXXX/2016 my husband was hurt at work and has been unable to work since so after talking to BBT we decided to do a voluntary repossession on our truck that we was paying XXXX a month for because we knew that we couldnt pay it with him not working and we didnt want to get behind. When we took the truck back to the BBT location XXXX of their employees told me that they would sale the truck and if there was still an amount owed they would set up a payment plan with me. After that day we had recieved nothing from BBT about our truck being sold. Today XXXX we went to get groceries and our cards wouldnt work so we went over to the same office where they tell us that the collections dept. had froze our account and zeroed it out leaving us with no money which was around XXXX. The guy we had dealt with before said he had never seen them do that and he tried calling around for us but didnt get anywhere. I called and spoke with a collections manager with BBT and she told me that it is standard procedure to take what is owed to them and that it was in the papers that we first signed when we got an account with them even though that has been many years back that we started up an account. What I dont understand is that we have been loyal customers with BBT for years before getting this truck loan and we have never overdrafted or had any problems with them and we have never been late on our vehicle loan either. We didnt get any information saying that we still owed on the loan, they just took every bit of money that we have instead of trying to work with us and do a payment plan. We could have just kept the truck not payed the payment and a couple months from now they would of repossessed it but instead we tried working with them and they done this too us, leaving us with a balance of XXXX in the bank and no cash
Offending institution : US Bank There are two separate instances where I was charged a monthly fee where I do not believe I was fairly charged. 

Incident 1 : On XXXX XXXX, XXXX, I was charged {$10.00} for my account. I had, for the four years prior, always met the requirements to have the monthly fee waived. Without notice or warning, the conditions to have the monthly fee waived were changed for the XXXX XXXX XXXX. I changed nothing in terms of amounts deposited or average activity from the months prior. I discussed at the branch nearest me, and they recommended I open a credit card to have the fee waived. I declined to do so and requested my account be downgraded to the XXXX XXXX XXXX. Per the bank 's website, monthly direct deposits of {$1000.00} or more will result in the fee being waived. 

I have XXXX monthly direct deposits in excess of {$1000.00} each month, so I assumed my change would make the problem go away. 

Incident 2 : On XXXX XXXX, XXXX, I was again charged for my account. This charge was the {$6.00} charge for the XXXX XXXX XXXX. I discussed the fee at the same branch where I made the account change today ( XXXX/XXXX/XXXX ). They do not know why I was charged the fee. When asked to refund the fee, they said that they could not.
My name is XXXX XXXX. I'm currently live XXXX, WA. My phone number is XXXX, and SS # is XXXX. 

On XX/XX/2018 Around XXXX XXXX, I went to the Wells Fargo bank located at the address XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX to deposit money into my saving account ( Acct # XXXX ). Employee ( Teller ) involved in the case was XXXX XXXX. 

We had {$12000.00} in cash. My wife had asked me the night before to deposit {$8000.00}. There were 2 bundles of money with the rubber band in {$100.00} bill in the black plastic bag. I handed to the teller ( XXXX ) and requested to deposit {$8000.00} and didnt realize that I gave her {$12000.00}. I didnt count the money along with her as she was counting them on the counter. All I remembered she had 6 stacks of {$100.00} bill as she counted. She then went away from the counter to count it in the machine. She went back and confirmed it with me if Id wanted to deposit {$8000.00}. I confirmed it. 

I took the empty black bag home. My wife had asked me where the rest of the money was. She had all {$12000.00} in the bag, 2 bundles of {$8000.00} and {$4000.00}. I had thought my wife already pulled the {$4000.00} away, however after she mentioned about 2 bundles of money, I realized I had given all 2 bundles ( {$12000.00} ) to the teller. I recalled as she counted the money on the counter, there were 6 stacks of the {$100.00} bill. When she counted, it didnt trigger me why she had 6 stacks of {$100.00} until my wife asked for the rest of the money when I got home. I then contacted the bank immediately ; however the bank was closed at that time. I then call XXXX number ( XXXX ) to report it. The operator asked me to contact the local bank the next day. I came to the bank in the morning to claim the money back. The manager ( name ) asked me to wait and recounted the money in the draw, then she claimed no extra cash was floating around. Ive requested for the investigation and view all cameras. However the manager contact me a week later to let me know that they found no extra money left over and therefore the case has been closed.
The collection agency, Michael Harrison , Attorney at law, has violated my consumer rights and financially harmed me by their collection tactics. By law under the Fair Credit Reporting Act, they are required to report the debt as disputed with the credit reporting agencies. I have advised them that I am disputing the debt as the medical provider has charged me for a medical service that they did not provide. My consumer rights under the law have been violated as they did not report the debt as disputed with the credit reporting agency, even though I sent them correspondence indicating so. When I called the collection agency, Michael Harrison, the representative was very rude and threatened me. 
I had stated I wished to resolve the debt issue with them but they ignored my request.
For the 3rd time RPM failed to provide a solid document INVOICE or agreement signed by me for the Alleged debt claimed that I owe. Pursuant to my rights under the Debt collection law, RPM is  trying to collect illegal debt that I do not owe. I have no contracts or deals signed by me to this scam agency called RPM stating that I owe them money. 
They have been contacted by me by Certified mail to provide a solid invoice with a contract stating that I owe them the alleged debt, yet, they keep on sending me the same copied spread sheet that is copied or stolen without invoice number or signatures, and a fake copied letter made by them stating illegal debt. I ask CFPB to please investigate the validity of this scam and force this RPM to delete such scam from the credit bureaus.
I have a car loan with XXXX XXXX. My car note is due on the XXXX of every month. XXXX reported I paid 30 days past due which is not the case. My note due XX/XX/XXXX was paid XX/XX/XXXX. When you look at XX/XX/2018 calender that is not 30 days late. Since it is not 30 days late I would like it removed.