WillisBack/dataset-financial-user-claim huggingface dataset:
My bank of america account debit card was charge for the amount of XXXX dollars and latter for the amount of XXXX dollars, I call bank of America to dispute this transactions and spoke with XXXX from Bank Of America Claims departments he mention to me that the XXXX dollars were a fee over the transaction of XXXX dollars and no matter what kind of dispute i do those fees will be no be reverse until the review of any dispute i filed. 

So the issue is because of both transactions my account was overdraw and was charge a fee of XXXX dollars, Bank of America has refund the XXXX dollars fee for the overdraw and posted a credit of XXXX dollars but leave the XXXX dollars with XXXX cents on my account what makes my account remains overdraw, and the bank is not willing to remove it from the account. 

i have called several times and i am willing to provide the evidence that neither the first charge or the fee where authorized charges but the banker claim there is nothing he cant do
TODAYS DATE:XX/XX/XXXX XXXX XXXX XXXX SS XXXX XXXX DOB:XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX  XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. <P/><P/>I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX XXXX XXXX ( Experian ), and XXXX v. XXXX, XXXX et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. <P/>If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. I look forward to an expedite resolution of this matter Thank you.
When I left my previous employer at the end of 2014, I had a balance on my Citibank work credit card of {$130.00}. Because I never received a bill from Citibank for this amount, I forgot about it. Three months later, I received telephone messages from Citibank. I investigated the issue, discovered what had happened, paid not only the balance, but also the late fees of {$9.00}. Citibank continued to call me, leaving automated messages. I returned their call again, and was treated abusively by a Citi employee, who claimed the post office must have failed to deliver the bills they claimed they sent me monthly. I informed them I had sent them a check for the full amount, including late fees last week. I asked that they not impact my credit rating, considering that they never sent me a final bill and I had sent in my payment. They told me they had already reported me to credit rating agencies, impacting my near perfect credit record. I was insulted by their employee 's behavior and the treatment in general. I do n't believe I have ever missed a payment before in years and years of using that card for work. I paid on time, every time. All I required was for them to send me a bill, and I paid each XXXX promptly.
Yes I bought a 2018 XXXX XXXX XXXX weeks ago and decided to pay it off. I sent them a certified bank check for XXXX XXXX plus still have not applied my payment or reported it to credit bureaus or sent me my title. Didnt even apply my payment to my loan.
In XX/XX/XXXX I had a surgical procedure. Prior to the procedure I was told to pay ( I do n't remember the exact amount ) about {$600.00} upfront to cover charges that my health insurance company did not cover. At that time, I asked the hospital if this was their final bill or would there be any further bills after the procedure. I was told NO, no further bills would be forthcoming. A month later I got a bill for {$220.00} and have been disputing it ever since based on what they had told me prior to the procedure. Yesterday, XX/XX/XXXX, I contacted Nationwide Recovery Services - XXXX - and told them I would pay this disputed amount if they would confirm to me, in writing, that they would remove this derogatory information WHEN they receive my payment. The person I spoke with ( XXXX XXXX ) informed me that they were unwilling to provide any such assurances to me. So, I 'm between a rock and a hard place. I 'm willing to pay a bill that I do n't owe but the collection agency will not confirm that it will be removed from my record WHEN they receive my payment. This is simply outrageous.
FROM XXXX XXXX > XXXX : 2 HARD CREDIT CHECKS I DID NOT AUTHORIZE FORM BANKS I DONT USE! 

XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX
I have several issues with Equifax at this time : I submitted an online dispute on XXXX/XXXX/XXXX. By law, they have 30 days to complete their investigation. <P/>On XXXX XXXX and XXXX, I checked the status of the dispute and it was still pending. <P/>On XXXX XXXX, I sent the credit bureau a registered letter stating they had not yet given me the results of their investigation within the 30 required days. Nor did they notify me that the investigation would take longer to complete. My letter to them was received on XXXX XXXX, at XXXX per USPS tracking ( XXXX ). <P/>Today, XXXX XXXX, XXXX, I received an email stating the results of my dispute were in. Upon logging into Equifax to see the results ; they had marked the completed date and the credit report date as XXXX XXXX, XXXX. THAT WAS 23 DAYS AGO WHEN THE DISPUTE WAS UNRESOLVED. <P/>To compound the issue further, no information was deleted or updated. Accounts that had been disputed and removed with other credit bureaus ; Equifax stated information was updated, however, no changes are showing made. <P/>XXXX account was " verified '', which no supporting documentation was provided from Equifax. Since the dispute was taking so long, I had mailed in supporting documentation to support my case on XXXX XXXX XXXX. This was delivered to Equifax on XXXX XXXX XXXX at XXXX per USPS tracking (  XXXX ). Upon sending additional information, I fully expected this account to take longer to resolve/delete, however, on the " results '' that I was notified of today, XXXX XXXX XXXX - the account shows " verified ''. <P/>This situation needs to be rectified immediately. Under no circumstances should information be back dated so that a company can remain compliant while not performing the validation and services they claim to provide.
Inaccurate, and incomplete enrollment status ... ..wrongly determined repayment and interests of loans. Was enrolled and continued as student from time period of   XXXX   Spring. The loan amounts began prematurely to acrew interest and late fees ... they demanded payment. Called in many times. They demanded loan payment during  XXXX . Have multiple loans that this has occurred on and it has compounded my inability to repay and destroyed my credit history and life. Why?
Paypal sent me a notice that my account was put on hold because a person with a similar name had a negative balance with Paypal. I called and explained that I was not that person and not responsible for this account. Paypal refused to de-link the other account unless I paid the negative balance. 

I tried to close my Paypal account, but Paypal will not let me do that until I resolve the other person 's past due balance. This is fraud and most certainly illegal under the laws of the United States. I am not responsible for the debts of another, and I am not willing to allow Paypal to keep my account active. I will use other forms of payment from now on.
I was in the process of buying a house, everything was fine until we needed a credit report from XXXX. We did not have any issues from XXXX  or XXXX, only with XXXX. I have an account at Wells Fargo since XX/XX/XXXX. The people of XXXX said that they have not received any report about me from Wells Fargo in years, that the last one was with an address from Arizona where I lived from XX/XX/XXXX to XX/XX/XXXX. So, I called Wells Fargo bank about this issue and explained my problem to them telling that I was in a hurry, that I am in the middle of an escrow and that the only thing that we needed to move forward was to get that credit report from XXXX, and that the guys from XXXX needed the information about me from the Wells Fargo. The person at Wells Fargo checked and said that they have been always reporting to XXXX. I called back XXXX, and that was the main issue here, XXXX  and Wells Fargo have been blaming each other and the problem is not yet solved. 
My realtor and the guy from the financial services have been helping me and my wife with this. I added my wife to my credit card months ago, she is the co-borrower for the credit that we need to buy this house. The guy from the financial services discovered that the Wells Fargo had frozen my credit reporting, we were totally unaware of that fact. We called again Wells Fargo now about this issue, XXXX XXXX ( the  guy from the financial services ) was on the line, he proposed the conference call. We called Wells Fargo and he explained the situation, and we were put on hold, with the new person on the phone he had to explain everything again, I passed the phone to my wife and I told them that I authorized my wife to do on my behalf whatever that needs to be done. I had to leave because I have a job to attend. XXXX and my wife were about two hours on the conference call with Wells Fargo, being jumped from one person to another, waiting in between and having to explain all over again every time. The last person to who they have to talk was the one from the dispute department, it happens that they put a dispute about my data regarding the XXXX  case, all my information was frozen and that has caused a even further delay because the administrative process to unfrozen it takes several weeks. 
Now we lost that house, the seller can not wait any longer and now they are selling it to another buyer. This has caused us too much stress and we have lost a lot of time and also money, the direct expenses in which we lost money were for the inspection of the house ( {$370.00} ) and for the rapid rescore agreement ( {$240.00} ) with the XXXX XXXX XXXX. Other expenses were the fees for the rescheduling of our summer trip and the extra cost of our current rented apartment because the contract is over and we are in a monthly base arrangement.
I have had a very difficult time with Caliber. I have tried to submit for a loan modification several times. I was never able to communicate to the same person which always caused confusion. Caliber always seemed to lose my paperwork, which I constantly had to re-fax. Once Caliber receives the documents, it takes them 5-7 business days to confirm they have received them. I now have a sale date of XX/X/2017, and Caliber is stating they can not review the modification because of the sale date. If Caliber was not so dysfunctional they could have reviewed the modification 30 days ago. I feel like Caliber is being fraudulent and lying to me. All in an effort to foreclose on me.
My mother passed away in XXXX of this year. I go to probate court on Tuesday XX/XX/2018 I informed XXXX XXXX of this and that I want to keep my mother 's home. They filed to foreclose on my mother 's home for a reverse mortgage a balance due of {$5300.00}. 
They won't talk with me until Probate Court. This is not fair. My mother 's home has memories that I shared with her and I don't want to lose it PLEASE HELP ME, I BEG OF YOU
My husband wrote a personal check from his XXXX account to my wells fargo account. for {$1000.00} my receipt stated the funds would be available XXXX XXXX, 2016. On XXXX/XXXX/2016 the {$1000.00} from my husband account cleared the check XXXX XXXX. When I checked my wells fargo account it stated there would be a hold on the check until XXXX XXXX, 2016. When I contacted XXXX XXXX to understand the delay, I was given no reason why my deposit would be delayed 2 weeks when the money had already been deducted from my Husnands accont. after numerous calls to wells fargo and a visit to the local branch I received a letter yesterday XXXX/XXXX/2016 stating that the account on which the check was written which is highly inaccurate as my attachment will attest. as a result I have suffered extreme hardship due to this mistake by Wels Fargo and have had to cancel my travel plans and appointments which have to date cost me {$190.00}
I filed for bankruptcy in XXXX of 2014. My case was discharged by the courts in XXXX of 2014. My mortgage company Caliber Home Loans refuses to lift the hold on my account stating that they never received an " abandonment of property '' document. This is issued before the case is discharged by the trustee but once the case is discharged that paper means nothing.They will not send me statements or allow me any internet access to my account. I have never missed a payment. They charge me XXXX dollars to make a payment on the phone so I have been paying via bill pay at my bank. I dont know if my escrow is being paid or my insurance. The amount of my payments changed and I was never notified. There is mony in an account of unapplied funds that they wont apply it to my account. I feel like they are trying to make me default on my loan which they bought from my original mortgage company. Help please!!
This company keep putting this account on my report I 'm a victim of identity theft they keep putting on and taking if off back and forth I do n't no what to do again given summit all document to them and it was removed from the rest of credit agency.
I submitted letters to  XXXX ,  XXXX , and Experian regarding multiple student loan accounts that were on my credit report that are duplicates back in  XXXX . These accounts have been closed and paid, transferred to another lend er ( Consolidated ). I have also called them in regards to this matter as well.  I have not received anything, no results.
I filed complaint # XXXX back on XX/XX/XXXX regarding Portfolio Recovery Associates Inc. regarding false statements or representation. They claimed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were retained and responsible for providing the correct amount of payments I made on XXXX County case # XXXX. The original debt was {$20000.00} but a settlement was reached for the amount of {$8200.00} with payments to begin XX/XX/XXXX. Portfolio Recovery Associates Inc. has been reporting the incorrect amount since XX/XX/XXXX and claimed in response on CFPB complaint # XXXX that XXXX XXXX XXXX XXXX XXXX were the ones responsible for reporting the incorrect amount. My credit report has Portfolio Recovery Associates Inc. reporting the incorrect amount. I reached out XXXX XXXX XXXX XXXX and they sent me the attached letter. This is proof that Portfolio Recovery Associates Inc. has been negligent and reporting false statements to all 3 major Credit Reporting Bureau 's. The letter dated XX/XX/XXXX indicates my balance is {$5100.00}. Since then, I have continued to send my {$100.00} per month due the XXXX  of every month. My balance should be {$4600.00}. This is the correct amount that should be reported.
Between XXXX and XXXX XXXX, Equifax was hacked for over 140,000,000 credit reports. These reports included social security numbers and birth dates, everything needed for successful identity theft. This can have enormous repercussions if this data are ever used to forge my identity, and I must protect myself accordingly. Given the size of the US population and the number of individuals with credit information, it is highly likely that my identity was compromised in this hack. This high probability mandates that I act as if my information was stolen due to the negligence of Equifax in storing my information in an insecure manner. They should not have disclosed my information ( knowingly or unknowingly ) to anyone but me. This data will be in the hands of those who stole it for the rest of my life. Given that my social security and birth date will not change ever, this puts me at risk for identity theft for the rest of my life. In order to protect my identity for the rest of my life, I need to purchase ID surveillance software in perpetuity. The cost of standard packages is $ XXXX. Given that I am XXXX XXXX XXXX XXXX XXXX XXXX, and the social security administration estimates my lifespan at XXXX XXXX, this means I will need to pay for this service for an expected XXXX years, which is a total of {$13000.00}. I would like this money given to me now to compensate for this negligent improper use of my financial and credit information. 

Additionally, I already filed a complaint to this effect and was treated quite poorly by Equifax. I received a boilerplate response with no actual dealing with my problem. If this comment is not fixed to my satisfaction in this round, my next step will be to file a small claims suit against Equifax for the lifetime damages they have caused me.
We rented a car from  XXXX  via our insurance company. After the rental, I received the bill on  XXXX  which had multiple errors. As per  Fair Credit bi lling act, I responded the company in written mail on  XXXX . But the company failed to acknowledge my letter in 30 days so I also sent email on   XXXX   XXXX   on their email address (  XXXX  XXXX  XXXX  ) which they ignored as well. Now they sent bill to debt collector and they are telling me to pay in 30 days.     Total Amount Charged : {$650.00} Total Paid so far : {$590.00} Amount pending : {$43.00} I sent them following mail : There are 2 errors in this billing :  1  ) {$20.00} amount per day is invalid, when we rented the car on   XXXX   per day rate was {$18.00}. If {$20.00} is valid per day rate, Please send me proof of document which I signed on   XXXX   which says {$20.00} per day.      2 ) Invoice  got invalid time of return, we returned the car in morning around  XXXX  on  XX/XX/2017   , which basically counts to 28 days of rental but they charged for 29 days.
Santander Bank Violated the Fair Credit Reporting Act by not verifying and validating her mortgage debt as requested on XX/XX/2015. The  Defendants wrongful course of conduct is as stated to be unfair billing, not providing license to collect a debt, and not providing a validate OMB Control Number under the Paper reduction Act XXXX.
I submitted a dispute on a collection account on XXXX/XXXX/2016 to Equifax. To date, the dispute has n't been resolved. There have been no updates, verifications, or deletion made to the account. Currently, when I log in to Equifax with my confirmation number the investigation still shows as pending. I contacted Equifax on XXXX/XXXX/2016 to ask why the investigation had not been completed, and why the account had not been removed. They replied with a generic response stating that I should call during business hours. I emailed again today, XXXX/XXXX/2016 to make sure that my inquiry would be reopened. I have not yet received a response. During the 30 day investigation period I was not notified by Equifax that they needed additional time to complete the investigation. I have just been waiting. I would like the account removed. I have attached a screenshot of the status of my dispute, comfirmation # XXXX. It was submitted XXXX/XXXX/16 and is still pending.
Equifax did not protect my sensitive personal information. The data breach was due to their inability to secure my information adequately and thus put me at risk. Again, it is up to me as the consumer to deal with any risk, remediation, and taking additional steps to secure my data and identity. This is simply unacceptable, given this is Equifax.
This homeowner has had some issues with XXXX XXXX XXXX in reference to some home repairs that were to be done according to the homeowner the bank contracted their own contractor and paid them I have receipts. The homeowner is a XXXX and is devastated. Please help us to help the homeowner retain his home.
XXXX XXXX Debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are grave errors that I recently discovered during a review of my credit report ... there are no contracts for the accounts ... these accounts were settled quite sometime ago with the original creditors.Consequently, I have contacted the collection agencies, and they have informed me that they have not and can not validate these erroneous debt claims, because they do not exist ... now this is against F.C.R.A. law, and litigation will follow if they are not removed ...
I opened BMO Harris Premium Rewards credit card on XX/XX/18. 
It was advertised that I was supposed to get XXXX points ( {$300.00} value ) after spending {$2500.00} within first 3 months. I have met that requirement, but never received this bonus. 
When I contacted the bank they closed my card for no reason and responded that I couldn't get bonus because my card was closed. I have not violated any rules and met the bonus requirement, so I consider their decision a violation of their advertisement. I suspect they closed my card simply to avoid the bonus payment.
Wells Fargo Dealer ServicesXXXX XXXX XXXX, CA XXXXAccount number : XXXXI rescinded the car loan according to TILA Regulation Z. 
I have not received my payments back. 
I have received the title although this is because the final payment was paid early with rescission notice following days later. 
20 days had passed with no notice of any objection to the courts about my rescinding the loan hence the bank has waived their opportunity to dispute their responsibilities under Regulation Z. 

They must return to me All payments and fees. 
I would prefer that they would send the value in XXXX to the following address:XXXX
I have owed XXXX XXXX XXXX for over 4 years a bill that was just recently bought by a different collection agency, Credence Resource Management XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. They are now reporting this as a brand new debt and not reporting the age of the debt. They did the same thing last month with a XXXX XXXX  collection account that we ended up paying XXXX XXXX. This is a completely unethical practice. They should be reporting the debt from when it occurred, not as brand new debt. 

The effect this has had on my credit has been huge. For the second time in two months our house closing has been denied just because of this company. This company has brought down my credit score over 50 points each month when the mortgage loan company goes to check to begin closing processes. We have now lost the house. 

When we called regarding the XXXX XXXX  bill, they at no time indicated they had another account for XXXX XXXX XXXX. They are rude, can't speak in a manner that you can understand, and are not helpful at all. They still haven't reported that XXXX XXXX has been paid in full even though they confirmed payment with XXXX XXXX while I was on the phone. 

Reading the reviews and on-line information, they should be forced to correct their reprehensible collection and reporting practices. We want this company to be truthful and report correctly. They are negatively affecting peoples lives.