WillisBack/dataset-financial-user-claim huggingface dataset:
Dear Madam or Sir, After the passing of my mother, XXXX XXXX XXXX, My sister, XXXX XXXX, presented to Suntrust Bank, XXXX  branch a death certificate early inXX/XX/XXXX. At that time, my sister received her half of my mother 's account balances. As per the instruction of Ms. XXXX XXXX ( XXXX ) of the XXXX   Branch, I submitted a letter to SunTrust Bank, Account Closure Team on XX/XX/2018 to close my mother 's account. As per her instructions, I did not need a notarized letter because my mother 's combined accounts were less than {$25000.00}. I then received a letter from the account closure team indicating that I did need to send a notarized letter. I mailed the notarized letter back to them on XX/XX/XXXX ( overnight ) and it was received XX/XX/XXXX at XXXX in the morning per the post office.

As of today,XX/XX/XXXX I still have not received any check from my mother 's accounts ( XXXX and XXXX ). I have called, emailed, etc. XXXX XXXX several times ( and spoke to her manager ). I was told that they could only email the account closure team and that there was no phone number for myself or them to call to follow up. I spoke last with XXXX XXXX last week Friday,XX/XX/XXXXand was told that it appeared the accounts were closed on Thursday the XXXX. Again as of today, I still have not received a check and what is frustrating is that the XXXX   phone number is merely a call center that is unable to help and the branch where my mother banked claims that they have no phone number to provide me to follow up.

I am very frustrated because I can't plan a memorial for my mother until I receive this money. I am also upset with the lack of customer service available to me to resolve this issue. Please help me.

The Account Closure Team is located in XXXX,   TN.
In XXXX I applied for the XXXX XXXX Premier Rewards Visa Signature Card and was approved for the lesser card ( XXXX XXXX Rewards Visa Platinum Card ). Most of the benefits were the same for both cards including the " Bonus Night Award Benefit '' which entitled you to the last night free on any award stay. Below all the benefits on the application page for the Platinum card it stated " Enjoy all of these benefits for {$50.00} Annual Fee ''. 

Less than XXXX weeks after being approved for the card, I received an email saying effective XXXX XXXX the " Bonus Night Award Benefit '' was going away permanently. I feel like this was a bait and switch scenario. They also did not change the language on the application page for at least a week after announcing this benefit loss. I signed up for the cards under certain terms and now they are changing. I would not have taken the inquiry hit had I known this benefit was going to be taken away. 

To make matters worse, I just read effective XXXX XXXX, there will be XXXX hotels changing award categories, with XXXX hotels moving up and only XXXX moving down. There are XXXX hotels going from either a category XXXX or XXXX to the top category XXXX requiring at least XXXX additional points for an award stay. 

I was not happy about these changes so I contacted U.S. Bank about having my annual fee refunded. They declined the refund and gave me XXXX points for my trouble. I do not feel this is sufficient for such a major benefit loss to their program. This credit card is significantly weaker than it was just 5 weeks ago and I absolutely would not have applied under these new terms.
Received a credit report from TransUnion showing " XXXX SERIOUS DELINQUENCY '' & " XXXX TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN '' which was triggered by an incorrect report by XXXX that the account had not been paid and went to collections. 
This information is not true. I contacted XXXX and they had no record of the account going into collections or being past due. It was paid in full and closed. 
The Transunion credit report is showing a lower FICO score than it should, despite the dispute, which is causing me real harm. I am applying for a loan which is going to cost an extra {$60000.00} over the loan term.
I have a {$300.00} line of credit through Kohl 's department store Kohl 's collection department calls me within 2 days of the due date making false statements stating wrong amount due, telling me I've been turned over to collections, trying to get more than the amount due. Calls received are approximately 3 a day, every single day from XX/XX/XXXX from blocked numbers and last evening it came through Kohl 's corporate office. I'm going to pay the balance, the harassment is unbearable. Most recently on XX/XX/XXXX even though I was not delinquent, rep stated I was delinquent, I asked if it was in collection and he said yes, I proceeded to ask why I would be reported to the bureau if my payment were due 2 days ago? He played a lot of games with me I made two attempts with him to pay. I was harassed for 27 minutes to try and make a payment he had issues with processing the payment I had a fight on the phone with the individual, he was extremely rude defensive and retaliated, he refused to identify himself or transfer me a to a manager. Subsequently I have continued to have calls from Kohl 's on a daily basis because I've been put in a collection loop even though on the same day after calling twice, a supervisor was was asked to make a note on my account the payment would be put in the mail, it should be there in 7 days. This is their method of operation every single month the payment isn't made early or on the due date.
XX/XX/XXXX, a series on letters to Experian Credit reporting agency to correct inaccurate information was submitted in writing to provided address. As XX/XX/XXXX, Information has not been corrected. Have filed online disputes and have tried to call for an in person effort to correct the problems, but inaccurate information still remains. 
I have tried diligently to repair credit and correct information as to show positive steps in securing better scores for the future.
I have repeatedly asked TransUnion for evidence to support inquires showing on my credit report within the last two years, but they repeatedly have failed to provide me with a copy of any viable evidence submitted by various companies substantiating their claims that they had a permissible purpose. I did not authorize for my credit reports to be given to these companies nor did I ask anyone from these companies to access my reports.

TransUnion states that these companies had a permissible purpose but have not provided me with any documents showing so.

I need to know the name of the person from each of the companies that received my credit reports from TransUnion and for what permissible purpose as well as all documentation TransUnion received to give these companies access to my credit reports. I am also requesting the name of the person from TransUnion that provided my reports to these companies. I need to see documentation on all inquires listed on my TransUnion credit file or all those inquiries that do not have authorized documentation by me need to be deleted! 

On XX/XX/XXXX, I placed a security freeze with all three credit bureaus to prevent unauthorized access of my credit file. A copy of the security freeze is attached to this complaint. TransUnion ignored the security freeze and allowed these companies access to my file without my knowledge. I also provided paperwork to TransUnion making them aware that my name was found to be in 4 data breaches. A copy of the letter is attached to this complaint. 

The only inquires that I authorized in the last two years were XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX on XX/XX/XXXX and XXXX  XXXX XXXX on XX/XX/XXXX. All other inquires on other dates was not authorized by me. 

I demand that TransUnion delete all other unauthorized inquiries immediately. 

Please help me resolve this problem with TransUnion as I am frustrated with their intentional, reckless and unfair handling of my credit file. 

Thank you in advance for your handling of this matter. 

A copy of this complaint will be sent to the FTC, XXXX XXXX AG, XXXX AG, The XXXX and my legal counsel.
Received credit reporting alerts and XXXX is displaying a 30 days late, deliquent, Missed payments account on my Prestige Financial Services vehicle loan account # XXXX. Issues was resolved with loan lender and lender stated no negative reportings. Federal Government complaints was filed against Prestige. I am XXXX XXXX and Retired.
Well Fargo has repeated called my ex husband multiple times a day claiming my payment was late when I had confirmation from my bank that it was on time, and when I called WF back they confirmed that it had indeed been on time. They also delete online accounts XXXX if they are not accessed every ninety days, but do n't tell you this will happen, and then take two business days and a manual process to reenable accounts, and they refuse to provide statements/paper account summaries. They repeatedly confused my SSN with that of my ex husband, and repeatedly lost my email address -- the same one I 've had for years and which they 've also used to contact me.
On XXXX XXXX 2017 I contacted Wells Fargo corporate office by phone. Explain to the representative that I wanted to deposit my promissory note for a mortgage. The representative informed me that Wells Fargo does not accept promissory notes. I am formed Wells Fargo representative that it was against Universal commercial codes  law and also against the laws governing legal tender for a financial institution not to accept promissory notes from the public. This did not matter he proceeded to insist that Wells Fargo did not accept promissory notes implying that they do n't follow Universal Commercial Code laws which fall under the umbrella of Maritime admiralty law. I asked to speak to his supervisor he told me that someone would be in touch with me within 72 hours and he took my information down. So on XXXX XXXX 2017 a Wells Fargo representative by the name of XXXX XXXX call me back. He proceeded to inform me that Wells Fargo does not accept promissory notes but they produce their own promissory notes that the public has to accept. I am informed him of the laws governing promissory notes legal tender and the universal Commercial Code laws that apply he also insisted that they still do not accept promissory notes from the public again implying that Wells Fargo does not follow Universal Commercial Code laws. 
Here are references for the laws governing promissory notes ; Tender in terms of the Negotiable Instruments Act, 1881 : Public Law 73-10, Chapter 48, 48 Stat 112 ; U.C.C. Article 9 ; 31 U.S.C.
5118 ( d ) ( 2 ) ; 31 U.S.C. 463, Public Law 97-258 ; U.C.C. Article 4, 302 ; 12 U.S.C. 411 ; Securities Act 2 ( 1 ), 3 ( a ) ( 3 ) ; Congressional Statutes at large Title 62 ; Positive Law ; 31 U.S.C. 5312 ; U.C.C. 2- 304 ; 12 USC 1813 ( L ) ; Public Policy AND settlement in terms of the United States Supreme High Court of Justice Rule 45.
I have a a unverified account from  Collections Bureau Of America  #  XXXX . I had previously disputed this account. I have never done business wit h Collections Bureau Of America.  Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15  U.S.C.1692g, I  dispute the validity of the debt purport I owe. I reque st thatCollections Bureau Of America Provide  verification o f the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Collections Bureau Of America Cease and Desist all further communications and collection acti ves and provide the verification of the purported debt.
XXXX XXXX is reporting a collection debt on my account. I do not what this is for. I never received any phone calls or letters in the mail about this debt. I noticed it on my credit file and called them immediately to pay the debt. They are in violation of my 30 day right to dispute for putting this on my credit file.
This account was deleted in XX/XX/2017 due to failure to prove it was my debt. Now it's reinserted on my credit report.
I received a collection notice from XXXX. XXXX XXXX, XXXX. I wrote to XXXX. XXXX  on XX/XX/2016 and requested via certified letter that I '' m disputing the debt and that they please verify the debt as required by the Fair Debt Collection Practices Act. 

I never received a response back from XXXX. XXXX XXXX, XXXX and proceeded to send dispute this collection directly with the 3 major credit reporting agencies ( XXXX, XXXX, Transunion ). 

I provided the same materials that i'm including in my complaint to the credit reporting agencies and XXXX  as well as XXXX both removed the collection from my credit report. 

Transunion is refusing to remove the collection from my credit report which violates the Fair Credit Reporting Act. 

Please help me bring this issue to a close.
I was a discover card holder as of 2013. During my entire card membershipwith the company, I was never late with my monthly payments, always stayedunder my credit line, and never charged my credit card for any purposesother than making a legitimate purchase. 

This was my first credit card that established my credit history as of 2013. 
About XXXX weeks ago, without any warning and notice in advance, the companyclosed my account and thereby wiped out my 2 years of credit historyassociated with Discover card. I contacted the company and demanded for ananswer. Other than the excuse that " we are no longer able to meet yourservicing needs, '' the company never gave me a forthcoming response. 

Upon the discussion I had with other cardholders and information I learnedfrom the internet, I have a reasonable belief that the closing was XXXX a large number of cardholders with a particular racial and ethnicbackground ( more specifically, XXXX XXXX without a just ground. Ibelieve that CFPB is or will be getting more similar complaints in the nearfuture. 

I respectfully urge the CFPB to take this matter seriously and to look intothis case. We consumers are powerless to protect ourselves fromdiscriminatory actions like this. But if the closing was indeed motivatedby racial bias, the company 's action has to be put in an end. 

Thank you.
XXXX issued to me an IRS XXXX form for cancellation of debt, yet they continue to report to the credit bureaus that I owe a balance. I have filed a dispute with the credit bureaus, but XXXX continues to report incorrectly.
I received a correspondence from AMCA dated XXXX/XXXX/XXXX stating that I owe their company. On XXXX/XXXX/XXXX, I sent them a letter requesting that they validate the alleged debt. On XXXX/XXXX/XXXX, I received a bill from XXXX and my letter back from them, which are absolutely not debt validation as I requested, and they also violated the XXXX laws. That is unacceptable.
This company is reporting a negative account on my credit report, and we do n't have any contractual relationship that make this company entitled to enforce inaccurate credit information on my credit profile. I did n't have a XXXX account and nor have I done any business with DIVERSIFIED CONSULTANTS INC. 

i tried resolving the issue with all 3 credit bureaus on X/XX/17. Also, I sent the company a letter on X/XX/17 asking for a legal contract and there was no supported documentation to verify I signed for a contract agreement. Only a print out of a last statement of a bill was provided.
The {$10000.00} was a down payment and not an additional fee/mortgage. Please see the attached Repayment only if I sell or move within 5 years. So next year this should drop not be added. Also when they purchased the loan from XXXX XXXX  the mortgage didn't have the {$10000.00} attached US Bank just added this last year.
This debt has been paid. It was supposed to be deleted from credit report. I have emailed the company, Portfolio Recovery.
I just pulled my credit report because I noticed a XXXX+ point drop in my score on XXXX due to a new medical collection. The collection agency ( Phoenix Financial Services ) says it is from an ER visit from XXXX at XXXX. I have had no knowledge of ANY outstanding medical bills other than two current bills that I am currently making payments on from XXXX. I never received any notification in the mail from the hospital or the collection agency about any outstanding balance. I never received a notice of right to dispute the claim either. This is the first I 'm hearing of this. I contacted insurance company to check for an EOB, however they state that they do not keep records back that far ( only 3 or so years back ). I also contacted XXXX 's and they say that they do not have records back that far either. The company that is now handling their financial records took over some time in the past few years and they did not keep records going back to XXXX. There appears to be no way to verify this debt/collection effort. 

Again, I had no knowledge of the debt and I am asking that it be removed from all three credit bureaus as it is negatively affecting my credit. Any help you can provide would be GREATLY appreciated.
I received a XXXX Cancelation of debt for this account. Please remove this account from my Experian Credit Report as the retention time has expired and it is causing me financial harm.
I have submit a identity theft Affidavit to Trans union by certified mail they received it XXXX XXXX that the should block the fraudulent acc that on my credit. I called sever times to speak to supervisor the said they filled out a form for someone to call me back. they will not follow the laws.
I do not have a signed contract nor any contract with PHOENIX FINANCIAL SERVICES LLC. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX XXXX. I am not responsible for this debt with PHOENIX FINANCIAL SERVICES LLC. 

Also per State of Florida XXXX XXXX XXXX XXXX you must be licensed and bonded in the state of Florida to collect. 

Please see attachment showing this company is not licensed nor bonded in Florida.
I was never late with this company. I had to file a chapter XXXX and offered to pay them in full and NOT include them in the bankruptcy. First they said I could do that, then they said I could n't. SO, I included them in the bankruptcy and since they are a secured creditor they are getting paid in full. In XXXX 2015, 1 month after my Chapter XXXX was filled, they reported to my credit file that the account was charged off and have been reported it charged off every month since then.
XXXX and Equifax have failed to remove all the fraudulent inquiries and accounts from my credit file. I have explained to them how I am a victim of identity theft and through my previous complaint with you, they failed to ignore my request of removing the inquiries that were put on fraudulently. These are the fraudulent inquiries that are currently on my credit file. They have not been removed or updated on my credit report. XXXX  claimed that they aren't showing up but when I pulled a current report ( XX/XX/2018 ), they still appear. A supervisor told me today that it would be updated by tonight ( XX/XX/18 ) but this needs to be blocked/removed immediately. You have received all of the theft reports but you continue to fail to follow the law and permanently block my information. The NEW Fraudulent account on my report is XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX. This account does not belong to me but yet they have added it to my account. Also, Equifax has the following collections on my account that I have an identity theft report : XXXX XXXX XXXX and XXXX XXXX XXXX. This needs to be removed as soon as possible. XXXX  you have been notified about the multiple inquiries on my report from : XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. Please assist and remove.
On the morning of XX/XX/18, I deposited four checks at Bank of America, three for $ XXXX {$13000.00} each, and one for over {$300000.00}. The funds were put on hold for processing, but within 24 hours, BofA released all my money. My " available balance '' reflected the full amount of the deposits, there were no holds, the money had been withdrawn from the two accounts on which the checks were made ( which were also my accounts ), and so I paid some bills. 

After 8-10 hours, BofA RETROACTIVELY placed a hold on the full amount of all four checks. And my account was suddenly overdrawn. ( Some of the bills were immediate cash transfers to credit cards. ) When I called customer service, I was told that while BofA indeed indicated the funds had been released, I should have known better than to believe it, because it was such a large amount. Additionally, I should n't have deposited the smaller checks ( checks I deposit with the bank every month ) with the large one, because that was the only reason those funds were also subject to a nine-day hold. 

Now I have an overdrawn checking account and many checks and transfers that will now bounce. And several BofA customer-support staff and managers say it 's all beyond their control. 

What 's not beyond my control is finding a new bank, which I will do the moment the funds clear. I 've been a BofA customer all my life, I have a checking account, a money market account, two credit cards and an IRA, and all will be closed. Also, these checks were from my own accounts, and several were regular deposits that had never been held up previously and, again, BofA simply tells me I should have known not to deposit them simultaneously. I also should have known everything would be held for nine days, even AFTER BofA 's own website reflected the funds as cleared for the entirety of one business day.
For the last 24 months I have inquired with American Education Services ( AES ) in regards to lowering my monthly payment, applying for temporary hardship, as well as modifying my repayment plan. Prior to 24 months, my monthly payment was {$370.00} per month. This was manageable as I am a XXXX XXXX XXXX  Over the course of the past two years my loan payment has increased to {$480.00}, {$570.00} and now is {$890.00} per month. I have requested a temporary forebarnce as I am a full time XXXX student, and have been denied. I have missed payments and have requested assitance, and have been denied. AES has sent my account to collections in which payments collected were not applied to all of my loans in which six of my loans are now in default. AES collection agencies are aggressive and intimidating. I have continued to manage paying my monthly installment even if it is past due with little success. There is no support or assistance available to debtors from AES or its associates.