WillisBack/dataset-financial-user-claim huggingface dataset:
For the 3rd time my bank is withholding my paycheck entirely. The only reason they give me is that they are holding it because they are allowed to do so for 14 days. Last time I went into the bank and they told me it was unusual activity because the check was issued from a new source. I have worked at the same company for over a year and the amounts of the check are the same. 

This only happens when I use their ATM. I went into the bank to deposit my check and the check was cleared immediately. When I contact bank of America they say there is nothing they can do, although last time this happened someone released the funds immediately. 

They refuse to offer any more information, and because the entirety of the check is withheld for 10 days, not up to 10 days, but 10 days, it has caused payments on my account to bounce resulting in additional fees. 

I have proof the check has cleared the business bank but they don't care. They are still withholding all of my funds until XX/XX/XXXX, regardless of whether it has posted or not. 

This is some sort of technical error with their atms, as this doesn't happen on the mobile app or at a branch when I deposit the exact same check for the exact same amount. 
They are refusing to return my money, and refusing to allow stop payment from the other side, as the check has already cleared. This hasn't happened with anyone else that received a check from our employer and all funds have cleared. 

I spoke to XXXX XXXX who issued the check and they said the check has cleared and they personally are not preventing bank of america from clearing the check. I spoke to others online, and this seems to be an ongoing issue. I believe they are doing this in order to tack on fees, as it causes checks and auto deposited items to bounce, including my rent payment.
This is my XXXX XXXX complaint with Equifax to verify XXXX Account XXXX. 
On XX/XX/XXXX Equifax sends by mail my report # XXXX. 
Equifax states XXXX account is accurate. 
Date Reported : XX/XX/XXXX, Balance : XXXX, Amount Past Due : XXXX / Date of Last Payment : XX/XX/XXXX. / Date of Last Delinquency XX/XX/XXXX / Date Closed : XX/XX/XXXX For the record, I have never made any such payment on XX/XX/XXXX I am requesting Equifax and XXXX to provide PROOF of such payment I have supposedly made to XXXX. I want to see a cashed check or any such payment supposedly I have made. 
Facts, I have XXXX XX/XX/XXXX Bank Statement in which I can send Notarized by XXXX XXXX  that shows I made no such Payment to XXXX on XX/XX/XXXX. 
Facts, Equifax is NOT accuarely verifying any information with Creditor XXXX. 
Facts, Equifax is breaking the Law. 
Facts, The XXXX Account reported is inaccurate and has hurt me Financially and unable to buy a house. 
XXXX account Paid On Time XX/XX/XXXX and Closed
Received a call from Alliance Group Associates regarding a loan from XX/XX/XXXXfrom XXXX XXXX  stating loan was not paid. I have written notice from XX/XX/XXXX from XXXX XXXX XXXX  who purchased this debt from XXXX XXXX stating loan was paid in full. When speaking with supervisor at Alliance Group Associates, she stated I had an additional loan which was not fact as I verified with originator of the loan. I have requested my personal data and any information they had regarding a loan or personal data about me and have been refused such information stating they are sending back to originator to verify. They have requested this letter be emailed to them and I do not feel comfortable sending them any information that they can not provide verification to. I believe this company is a false company contacting any information they can find to try and collect additional monies in resulting in harrassment.
I settled the accont with capital one for XXXX dollar pleases let them show my account as settled
W currently have a home loan with Select Portfolio Service. We are looking to refinance with another company to lower our interest rate and they informed me that with Select Portfolio in 20 years we will have to come up with a balloon payment of approximately XXXX dollars or lose our home. This information caught us completely off guard. We bought this house XX/XX/XXXX with a " coffee arm loan '' soon after we refinanced to a 30 year fixed rate at 4.75 % so we thought. I called Select Portfolio yesterday to discuss this with them and they proceeded to tell me we have a Loan Modification with a balloon payment due XX/XX/XXXX for XXXX. My husband and I feel we were misled in regards to the terms of this loan. The lender I am currently speaking with suggested I contact you, he calls this a " Toxic Feature '' I hope you can help us with this situation.
After their reinvestigation on my credit files. They stated that the items have been deleted from my credit files. That they have taken all steps that the items will not reappear. I have sent in there letter head with their name on it showing that this is your company LOGO, stating that these items will not reappear, but a year later they come back up. I have faxed documentation to them showing what their results was. Please asked them to take care this matter immediately.
Greetings, My wife incurred medical bills from her XXXX ; our insurance was late on paying a number of the claims. However, IMC Credit Services, obtained some of our accounts receivable that were inaccurate, had incorrect itemized statements, or for items that our insurance had already paid. I was confused with what to do with IMC, as they used tactics that made me think I would be sued if I did n't pay them. 

Recently, I received a demand letter from them that stated balance owed of {$0.00} and it had my wife 's named spelled incorrectly. My wife and I reviewed our credit reports and there is a collection account listed under both of our social security numbers. I 'm unsure how my name is listed if I did not incur any of the services. 

We would like IMC to remove any reporting of this bill on our credit reports. 

Sincerely,
I have set up a payment plan with this company CRM XXXX GA I have made one payment and they attempted to collect another to which I agreed the funds were avalible in my account they are saying it was denied I stated to them that the funds have been in my account for a week now I agreed to four payments to pay off the debt I have made two this would be my third payment I was instructed by them to send the the first payment it was debited from my account Then I was told there would be a surchange for card transactions could I two daymail deliver and I did it was delayed due Labor day I guess because the office was closed USPS told me this directly Iam being harassed by this company I have tried to comply I have been accused of lying and threaten with jail time when I TOLD THEM I WOULD BE CONTACTING FTC I WAS LAUGHED AT. Contacts at CRM XXXX XXXX and XXXX XXXX contact # XXXX
i have not had any communications to collect on this debt and it is negatively affecting my credit score. I have no idea how to contact this agency and get this credit card paid. I have the means to pay and its not a large sum but I want it of my credit report nd I cant do that if I do n't know where to send a payment to. its ridiculous that an agency can just collect an account without any notification to the person whose name it is in.
This is the closest category to my situation. XXXX XXXX was authorized to withdraw {$200.00} a month from my bank account with my bank. Around Friday afternoon on XXXX/XXXX/2015 a check went thru the bank and was rejected pending manager approval for {$1700.00}. I can not contact the bank manager until Monday XXXX/XXXX/2015 to attempt to plea my case. XXXX XXXX has not contacted me since our conversation last year. At that time they only had permission to withdraw $ 200 monthly from my account. The collection agent was very rude at the time. No further communications have been received from them by mail or phone. No communication was made about a {$1700.00} draft on our account. No communication was made about a forced final payoff. The collections agent scheduled a return call for XXXX of 2015.
JP MORGAN CHASE XXXX AND XXXX HAVE COMMITTED WRONGFUL FORECLOSURE FRAUDULENT MISREPRESENTATION NEGLIGENT MISREPRESENTATION AIDING AND ABETTING PROMISSORY ESTOPPEL CANCELLATION OF INSTRUMENT THEY HAD LACK OF STANDING LACK OF JURISDICTION COMMITTED SECURITIES FRAUD MADE FALSE AND MISLEADING STATEMENTS DEFRAUDED THE COURT AND VIOLATED RESPA UNJUST ENRICHMENT THEY FORECLOSED ON MY HOME AND CHASE WHO VIOLATED MANY LAWS THEN STOLE MY HOUSE FOR {$500.00} TELL ME THAT ISNT CORRUPTION THEY BUY IT FOR THAT AMOUNT OF MONEY {$500.00} NOW THEY ARE TRYING TO EVICT ME AND MY CHILDREN
I have disputed  XXXX   XXXX  a number of times with Equifax  XXXX   XXXX . None of them have done a full investigation. I have requested a FULL FULL FULL investigation. I demand that a FULL investigation be done as to every aspect of this account. All original signed documents a  FULL  investigation I demand that the results be made available to me within  Five days. This needs to be expedited, all   XXXX    CRA are in violation of the l aw. Please forward this to FTR and all governing agencies. I have made this compliant to the CFPB previously. I plan on taking legal action my civil rights are being violated in addition to at this pointe being a willful act to cause me harm.
I have an existing XXXX year mortgage at 5.625 % that I am trying torefinance to a XXXX year at 3.64 % with US Bank. I was told that our debt toincome ratio could be no higher than 45 % and our credit scores werefine. Our debt to income ratio is 38 % so when the loan was denied Iasked why and they refused to give me a reason. I have sent numerousemails trying to get an explanation to no avail. I just keep getting therun around, answers like we have new regulations and guidelines tofollow with no real explanation as to why my husband and I were denied.
I have a serious problem and I have tried to get the attention of the data furnisher and have had no success, which is why I am now coming to XXXX. 

I have attached a screenshot of the tradeline that needs to be removed from my credit report because it is over 7 years old. I went XXXX XXXX XXXX, XXXX and this item should not be on here. I also went through a divorce and do not hold ownership in this property that this loan is attached to. This is harming me in many ways and I am trying to refinance my current home so that I may get a new roof before winter hits in full force here in Michigan.
I 'm respectfully requesting that XXXX remove this out of date information from my credit report. It also belongs to my XXXX and not me. 

This is causing me a lot of stress and I am also a XXXX XXXX XXXX XXXX here in Michigan. 

I AM ALSO REQUESTING NO PHONE CALLS, PLEASE COMMUNICATE BY MAIL ONLY.
I have an Ashley Furniture credit card ; there 's been a pending charge to my card since   XXXX  2016    from a store ; which no one seems to know or ca n't locate. I reside in  XXXX , I 've always paid cash for my purchases at this store ; yet they provided me the store phone number. I humored myself and made the call to hear, what I already knew.  I spent two hours on the phone on a Sunday and Monday ; trying to fix this situation ; yet 6 months later with still this pending charge ; 1 month continuously trying to rectify this situation. I 've had to call numerous store ; which the customer represent constantly, rude or tell me where I to need to call.  Then I had to call Colorado and that the represent was rude and told me their store does n't handle fraud. I 'm continuously, going around in circles, if I close the account it becomes as a negative mark against me. Which I contacted to cancel the card since I ca n't get it straight, now I ca n't close because I have a pending charge. Which on my statement I do n't have a balance ; what is the time frame a consumer has to whole this so-call pending charge on my account. Why is n't red flags against my acco unt for this. Wonder, why fraud is on the rise.
On several occasions I have send a request for Credit Report along with a copy of new address, Gov, I.D . Copy of Bill, Copy of letter with address from the V.A. They keep sending me the same letter as if they had not received it all. I send the last copy regristered and i recieved the same old froam back. It 's been years going through this. But they keep giving out low score 's which I have not used credit in years.
I called Equifax XXXX times to receive my annual credit report. Each time their recording said I would receive it within up to three weeks. Its been three months and I still have not received it!
I 've received an unsolicited loan offer with an annual interest rate ranging from 99.75 % to 184.36 % from a company called LoanMe, Inc. based in XXXX, CA. ( License # XXXX )
I VERBALLY DISPUTED THE DEBT ON XX/XX/XXXX AROUND XXXX. I RECIEVED XXXX CALLS AFTER THAT. I THEN RECIEVED A CALL XX/XX/XXXX AROUND XXXX. I ADV I SPOKE TO THEM XX/XX/XXXX AND I DISPUTED THIS I WAS NEVER MADE AWARE THAT I HAD A TUITION FOR MY DAUGHTER FULL DAY DAYCARE WHEN I REGISTERED HER IN XX/XX/XXXX. THEY CALLED ME BACK NOT EVEN AN HOUR LATER AT XXXX ATTEMPTING TO COLLECT THE DEBT AGAIN. I ADV THEM THAT I HAVE DISPUTED THIS AND THEY WERE CALLING ME AFTER THEY HAVE ALREADY SPOKEN TO ME. I HAVE HAD XXXX MISSED CALLS SINCE ON XX/XX/XXXX AND IT WAS ONLY XXXX. XXXX OF THE REPS CALLED ME A DEBTOR AND THAT IF I WAS REFUSING TO PAY MY OBLIGATIONS. THEY HAVE CONTACTED ME FROM XXXX DIFFRENT NUMBERS XXXX XXXX AND XXXX NUMBERS GOES TO THE SAME COMPANY. I ASKED THEM IF THEY NOTED MY ACCT. AND THEN THEY SAY YES AND TOLD ME THEY WILL CONTINUE TO CALL ME TILL ME UNTILLL THIS ACCT IS PAID. I ADV THEM I WAS DISPUTING AGAIN. SD THAT THAT THEY WILL CONTINUE TO CALL ME ALL I HAVE TO DO IS PAY MY DEBT BECAUSE THIS IS AN ABLIFGATION I HAVE
In a letter written on XXXX XXXX, 2012, I requested that Real Time Resolutions, Inc. inform me of the name, address and phone number of the owner of my loan as they are legally obligated to do. I also demanded to to see the original mortgage note proving ownership over my home equity loan additionally, I asked for Real Time to provide me with evidence of your firm being contractually retained to service my loan. I made several attempts to obtain the information that I requested and Real Time refused to respond to my requests in an affirmative manner within 10 days as required by Section 1463 ( a ) of the Dodd-Frank Financial Reform Act. 

Furthermore, in violation of RESPA, Real Time has continued to report negative credit information to the credit bureaus during this period of investigation.
This is a pretty straight forward complaint. I believe that my credit card statement incorrectly lists interest charged on my purchases as a fee. I called the credit card company to inform them of the possible mistake but they informed me that there is nothing they could do to correct it. If this is incorrect, I believe the credit card company should correct their mistake. Though the amount is small on my statement, the amount could be larger for other customers.
Equifax and XXXX. I signed up two months ago to check my score. Now it is time to cancel because {$40.00} a month is too expensive. The only way to cancel Equifax is to call a XXXX number. It is a long and drawn out process. Finally we talk to someone ( husband and I ) in a foreign country. They ask all sorts of annoying questions and hard sell continued service. The XXXX time they even hung up. We spent a half hour or more just to cancel the darn service!!!! They shoudl provide many more options for cancelling, INCLUDING cancelling online, for crying out loud. 
XXXX is even worse. I logged in to check my score and the info is not made available. It keeps on kicking me out. To cancel, I have to call yet another XXXX number. It is so painfully obvious that they are just sucking the automatic payments right out of you and making cancellation so hard that most people simply give up.
FULL PRICE SHORT SALE XXXX - Seller XXXX - Buyer Complaint against OCWEN Bank Account number XXXX This has been going on since XXXX! 

Ocwen Bank has abused the Seller, XXXX, the Buyer, XXXX & XXXX, XXXX, Realtor and XXXX. Ocwen bank receive a full price cash offer and all requested documents 4 times. Ocwen bank keeps asking for the same documents over and over again. We have receipt that they have received the documents.
My payments to XXXX XXXX have not been applied correctly. I received a letter from XXXX around XX/XX/2018 stating {$1200.00} due by XX/XX/2018. I had made a payment as of around XX/XX/2018, have been making payments on time monthly since my last complaint back in XX/XX/2018. I am totally confused as to why a {$1200.00} payment was due & now, per XXXX, I am 6 months behind on payments. I called XXXX several times before and after XX/XX/XXXX to find out what was going on. I did not make XX/XX/2018 payment due to XXXX rep, finally letting me know 'no one could talk to me until they got clearance '. A call was received from XXXX as of XX/XX/18 while I was at work, a recorded message left to call back. I called back at XXXXXXXX XXXX this same date & spoke w/ XXXX , who states the car is set for repo at this time, that I am 6 months behind as of XX/XX/2018 in payments. I asked XXXX to explain to me how this was so & I had been consistently making on time payments. XXXX states there is a repo set what would I like to do. I did not have any response as I was not willing to make any payments & XXXX keeps sending me letters that I am behind. If I were really 6 months behind then the letter received for {$1200.00} would be incorrect. My payments are {$330.00} a month x 's 6 would be {$2000.00}. So I am completely confused as to why I received this letter in XXXX & XXXX states I was 6 months behind as of XXXX. The requested amount due does not even add up. XXXX did not even offer any other options, just repo set. I do not feel this is fair due to the fact that I have been consistently making on time proper payments. XXXX stated during this phone call that he would send my payment history by email & it has still yet to be received.
Transunion has bad information, addresse 's and are reporting them to credit companies. This is nicking my credit rating. After calling, this is a boiler room operation that employs people that can bearly speak english. This should not be allowed let alone destroy people 's credit rating. This XXXX cent operation should be shut down.
Someone had used my information and made an unauthorized hard inquiries 1.Chase XXXX and XX/XX/XXXX 2.XXXX/XXXX XXXX XXXX XX/XX/XXXX
I applied for a loan and i was not given the amount needed they told me to go online and apply for XXXX more. Now i have a company calling me asking for XXXX for fee and stating i received more then XXXX which I did not because they would not even give XXXX
My information on my BOFA account was compromised on XXXX at approximately XXXX and XXXX in the amounts of {$500.00} and {$700.00} respectively. I immediately called the Fraud department at BOFA at XXXX and was told that the transaction ( s ) had already gone through ( Via XXXX ) and I couldn't do anything about it.They told me to call back Monday morning. 

I called back Monday morning and opened a fraud claim. They told me they would put a freeze on my account and to change my online password and online name. They also told me to close my accounts. I logged in and changed all of the info. I also went to the bank the next day and closed down my old account and opened a new one and transferred everything across. 

I also changed all my direct deposit info and such. 

I then get a letter saying my claim is denied because my the money was sent from my log in. I called them back and told them I did all that they wanted me to do and why would they deny it? They said they would allow me to appeal it. 

I have been with BOFA for 25 years and have a significant amount of money in the bank with them. Has anyone experienced this? Is there anything else I can do? If they deny it again ( which I am sure they will ) then I will be forced to close my account and bank with someone else. 

Do I have any options? 

XXXX
I purchased a vehicle 3 years ago. As of recently I've made every payment on time. About a year ago I went through a separation from my children 's mother. For custody reasons she has gone out of her way to destroy my credit and career, in order to win custody of our children. She has cost me 2 jobs, by showing up and harassing me. I have evidence of this. She has opened 3 accounts in my name. If have no problem paying these if I could maintain a job. My vehicle was intentionally damaged. Sugar was poured into the gas tank. It caused over {$2000.00} in damage. She disputed 3 payments made through an account that she had used to pay with. She was listed as on the vehicle account as a driver, and on the auto insurance, which she also disputed 2 payments. After which she reported to the auto finance company the location of my vehicle and said to repo it. Then bragged about lying and what she had done one social media. I've since made the repairs using what saved money I have. I'm having troubles catching the vehicle up in order to use it as transportation to an from work. I'm a XXXX   XXXX, and can make money with or with out a job. It's just she to the personal attacks from this individual I'm currently in a circle of dept that has locked my ability to grasp how and what to do to overcome it. I need advise or help. Recently I made {$800.00} in payments to get the vehicle under 90 days past due. Toyota told me they would give me options after I did that, and vehicle would be taken out of repo status. They denyed my request to move the past due amount to the back of the dept like they agreed. Then sent a repo agent to claim the vehicle. I denyed then the vehicle. And will continue to do so. I've worked hard to buy, keep, maintain, and repair my vehicle. I'm still behind exactly what was disputed. I'm only weeks from fully financially collapsing and losing my home and everything. I've exhausted all my resources to stay afloat. This is my first attempt to ask for help. I need options. Please help.
American Express, without notice or explanation, has removed my ability to challenge and/or inquiry questionable charges via its website. Access was removed approximately one week ago. Since then multiple requests to restore access have been ignored. 
XXXX
About XX/XX/2002 we took out a Reverse mortgage thinking it would be of benefit to us. However since that time our loan has been passed from one financial institution to another, to another, to another, XXXX being one of them. These companies have charged us very high rates, and put enforced insurances on our property, to the point now where we have very little equity in our home. We need to downsize due to health problem and age but do not know if we can do it because we have been robbed, we feel. I think this Reverse mortgage thing is a big scam placed on older people. We had to retire early due to severe health problems and now are in dire circumstances. Is there anything that can be done? Or is there any way we can get out of this? Please help us if you can. Thank you. XXXX.