WillisBack/dataset-financial-user-claim huggingface dataset:
we went into wells Fargo to close all of our accounts due to there practices we successfully closed all of the accounts or thought we did the bank and there credit card department even told us they were all closed and the amount 's we had to pay to close all of them. we paid the exact amount they gave us on XX/XX/XXXX at a local branch and via phone with credit card department at the local branch. we even ask if all of out accounts were closed and the card was cancelled and we were told yes. today XX/XX/XXXX we received a notice from them telling us that there is an outstanding balance of XXXX so I call the bank. to find out how we could have a balance outstanding when we took extra effort to insure that all moneys owe was paid on XX/XX/XXXX.. they inform us that they did not inform us of a pending transaction that hit the account the exact same day we closed the account an we still owe XXXX for a transaction that took place after the card was closed. I ask for specific 's of day and time this transaction took place all they could tell me was it took place on the XX/XX/XXXX some time after we closed the accounts
I have contacted Equifax and disputed the XXXX card entry on my credit report several times. Equifax states that XXXX Card refuses to release the entry for 10 years. The final payment made on this XXXX Card balance was in XXXX, 2008 and delinquency began in XXXX, 2008. ( see attached documentation ). I am trying to secure a home loan at a favorable interest rate and this erroneous entry is preventing that.
Performant Recovery Inc. is managing my defaulted loan from the Florida XXXX for the time that I attended Florida XXXX University in XXXX, Florida. I have paid them on time since 2008 through automatic deductions from XXXX of my bank accounts. My loan however is still listed as in default status today and I my principal amount has not decreased. Performant Recovery 's response is that I never signed the correct forms to allow them to begin a default rehabilitation program for the loan. Yet, I did sign papers for them to automatically deduct money from my bank account. Now I would like to enter into their rehabilitation program to remove the default status from my record, and move the loan back to Florida XXXX so that I will no longer have to pay collection costs and actually have an impact on deducting my principal loan amount. Performant Recovery Inc. however is unable to get this program started for me. In the last 3 months I have sent them official documents of my tax returns, pay stubs, all of my bills, drivers license, and they keep telling me that their " auditors '' need to determine if my documents support moving me into a rehab, or if the " auditors '' will raise my payments because clearly I make more money now. They have yet to send me in writing anything that determine how this audit process is driven or what I need to qualify for allowing the eight years of on time payment that I have sent them to contribute towards reducing my principal loan amount and removing the loan from default status. Every time I have spoken with them since XXXX of this year, they need more information for the audit process, meanwhile they are continuing to deduct {$110.00}. from my bank account through automatic payment monthly. 
Please investigate this process and let me know should I contact a lawyer to get my money back, and my payments credited towards my loan principal and removal of my default statusl
I have been a toyaota customer since XXXX, recently I renewed my lease for a newer model as is my option. I recently discovered, that my credit report has XXXX hard inquiries on the same vehicle. Why would Toyota need to have XXXX inquiries that appear on all bureaus, I was approved and signed the papers on XXXX the date of the initial inquiry? I was not advised that an additional credit inquiry was being made. I authorized XXXX. TOYOTA MOTOR Inquiry XXXX XXXX, XXXX TOYOTA OF XXXX Inquiry XXXX XXXX, XXXX I have requested a correction and have not received a reply or response. In addtion I am the Co-Signer on a vehicle and I am not botified of any issue with the payment but my credit was noted 30 days late. I am of the impression that due diligence requires that I am to be notified so I can resolve prior to affecting my credit. This vehicle was a issue and a complaint was never responded to, the initial payment was said to be XXXX, after a reveiw additional service was added when this was discovered before the first payment they revised the contract and the new payment was XXXX. I have reuested a copy of the initial contract since this chanrge was not disclosed. Causing a lower model to be purchased to fit budget, when it was not a valid accurate amount. These XXXX transactions lowered my credit score XXXX points..
I called TFS, and showed them on their online portal that my loan was paid in full for the Month they claimed I was 30 days late, I 've been paying this loan off faster then the amortization schedule is set for this loan. So needless to say it would be impossible for me to be late. On TFS internal  system is says they received a payment for the month in question, however, they did not do anything to correct this on my credit score. I then set up an investigation with the credit reporting agency, the conclusion of the investigation resulted in an " update '' however they did not update anything. I was not late on this account and this late payment is heavily impacting my credit and the ability to get refinancing for my student loans which are crushing me financially. My monthly payment is XXXX dollars I 've been making payments of over 1500 dollars a month.
Alled collection calling me to collect a debt from XXXX yrs ago 1997. They could not tell me if the debt was mine or my ex husbands.
I was a fraud victim from someone who opened up a XXXX account with my name and social. I filed a police report and was advised at that time not to send any more personal information to them. The cop went to comcast in person and told them I had submitted proof to him that it was not me. They refuse to take the charge off my account. I contacted them later and they said they could n't do it bc I needed to file a report on the FTC website. So I did. They still wo n't take it off. Now I can not get anyone on the phone with XXXX. They keep giving me the run around and have told me TWICE that the fraud dept. will contact me in 72 hours and they have not. I am not 100 % sure of my rights, but if a cop says that I have already proven my innocence, can they still demand more paperwork? Since when should I obey a XXXX rep over the POLICE? I am to the point of backing down to get it over with. I have my proof of residency ready to email, but I ca n't get anyone to give me an email to send it to. XXXX when I tried to call, they just transferred me to the FTC and hung up. We were both confused as to why we were even on the phone with each other. I do not have a problem with the collection agency because they have removed it twice already with no hesitation. However, XXXX every so often sends it back to the collection agency all over again. I really need help getting XXXX to clear my name. Thank You!
My name is XXXX XXXX and I filed a debit card claim on XXXX/XXXX/2016. I am appalled at Bank of America 's blatant disregard for the importance of my claim. Bank of America had failed to thoroughly investigate my claim. I was told that my claim # XXXX was denied for XXXX reason and that the other XXXX claim numbers # XXXX & # XXXX were denied for the same exact reason in which was just copied and pasted to the other claim results. If thoroughly investigated how can the denial reason be the same when a pin was n't used for claim number XXXX. After conducting my own investigation it was determined that was a gasoline charge ( no pin transaction ) and the other claim ( XXXX ) was done on a totally different day ( A week and a half prior ) and only brought to my attention by the representative that filed my claim on Saturday ( 2 days ago ). 

This is my very first bank account and I am an XXXX XXXX XXXX college XXXX. So I am very aware that it is impossible to conduct a thorough investigation in less than XXXX hours ( non business days ). I have been working with the police department and school security and they have determined that it is impossible to conduct a thorough investigation. I would like surveillance cameras looked over and witnesses questioned. That was my college refund money that was compromised and my bills depend on the money that was in my bank account. The incident occurred at a casino mile s away in North Carolina while I was at class. I have gotten statements from my professors who could attest that it was utterly impossible to be in XXXX places at once. 

For Bank of America to be XXXX the biggest banks in the world. I ca n't believe that my claim would not be thoroughly reviewed. And not only was it not reviewed it was concluded based on a lie. How can you take XXXX claim conclusion and place it all on XXXX claims with XXXX totally different circumstances. Whoever reviewed this case did not represent Bank of America and it 's alleged dedication to its customers appropriately. 

Therefore, I am requesting a thorough investigation as well as a provisional credit until the investigation is concluded. I would also like a detailed report of the investigation. 

Bank of America has refused to honor the letter from school and XXXX PD stating that I am not a suspect and that pin was compromised with my card and other personal information.
I have been trying to place a security freeze through Equifax 's security breach site. After entering the required information and submitting the request, all I got was a page stating " System Currently Unavailable - 500 Error ''. The last time I tried, it seemed the request might have gone through but then another error page came up. As of Friday afternoon, XXXX XXXX, whenever I try to submit the freeze request I am presented with a page titled " Place, Temporarily Lift, Replacement Pin or Permanently Remove a Security Freeze ''. It appears that the freeze was placed, however I was never offered and have not received a PIN. 

Per Equifax 's own site at www.equifaxsecurity2017.com : " Equifax does not currently email or mail the individual 10-digit PIN to consumers. It is available on the screen, and the consumer is asked to print the PIN from the screen. Our technology team is aware of some limited situations in which consumers are unable to view their PINs. We have identified that this is caused by their browser settings. We are working on a fix for this issue. In the meantime, we are displaying a phone number that consumers may call to receive a PIN. '' Unfortunately I can find no such phone number and when I called the dedicated number set up for this breach the Equifax employee had neither knowledge of the PIN problem nor any suggestions as to a solution. There appears to be no way of getting a PIN short of sending a written request and paying a fee for a new one. XXXX and XXXX had no difficulties in providing me with a PIN despite my browser settings. 

Additionally, when I check my account at Equifax I can find nothing to indicate whether a security freeze is in place, where I might get my PIN, or indeed much of anything beyond links to for-pay services that Equifax is trying to flog.
I am a XXXX XXXX and has been for the last 12 years, and I am currently in the process of filing for divorce, in XX/XX/XXXX I moved out from my previous address and I also opened a XXXX XXXX to have my mail forwarded. Last week I received a letter from a company called Navient stating I am late on my payment, I called the company to explain they have the wrong person I have never been to college nor applied for student loans. The rep then explained that I am the cosigner, for my wife. I never gave my soon to be exwife permission to use my social and to my surprise this occurred since XX/XX/XXXX, she never told me about this and it seems as she has been hiding the mail since then because I am always on the road more than I am at home. I asked her why she used my social for her student loan and she simply said after we got married she thought I would like to invest in her education.
A collection from XXXX, XXXX XXXX was placed on my credit report XX/XX/2013 for the amount of {$320.00}. I disputed the collection because I did not owe a debt or ended the original contract. This collection was a bill from a daycare my daughter attended for preschool. A situation occurred between the teacher and my child 's father, which I was not in a relationship with but shared custody and during his visits he would drop her to school which was required by the custody order that was placed. When I went to the school to pick up my daughter the director XXXX appoarch me for a mandatory meeting. She explained that there was a sitution between my childs teacher and her dad and he threaten the teacher and for the teacher and other staffs safety that I have to take my daughter out of the daycare immediately. The director informed me that she consulted the daycare attorney and that was the best solution they could come up with. The school voided my contract and did not reimburse me for the money for pulling my daughter out of school during the week nor gave me time to find a daycare to transition her. Then the daycare place a collection on my credit and I did not even receive a bill or letter about this debt. I never ended the contract the daycare did and they are responsible for voided my contract without notice.
Thank You XXXX XXXX  for returning my funds finally after 4 months of investigation. As you now know I did not commit any fraud or un authorized transactions by my mother who gave authorization and instructions to take money from her bank accounts when she became seriously ill again. So I want to up load this final document, Affidavit from my Mother to Bank of America that she sent by Fax yesterday to XXXX from within Bank of America Branch, and also e mailed to the person in charge of frauds mr. XXXX XXXX at XXXX. 
This Affidavit is indisputable evidence and documentary evidence that I did no wrong do and that my Mother made a gross error in filing a false claim on me due to XXXX, XXXX XXXX. 
Please keep this Affidavit from my Mother XXXX XXXX on file in the event you are ever contacted again about these issues on claim # XXXX with Bank of America. 

This is in regard to my accounts with XXXX ending in numbers XXXX, and XXXX. As you can see with all the other evidence I sent you audio and video recordings and my affidavit, this new affidavit from my mothers seals the case solid. 
thank you
My student loan was given to be my XXXX XXXX. They already closed down their college. I XXXX 2010 and still ca n't find a job with the profession I chose. I was told by XXXX that they would help me find a job but that was never the case. They gave me the run around. On top of that they lied about how much I would be making. I ca n't afford to make school loan payments and my interest keeps going up, I have n't seen a change on my loan ... .there has been no decrease only increase on it. I have submitted proof that I am experiencing economic hardship but I still ca n't get the help I need. I enrolled at school once again so I can get a good career since this is n't working out, and because I 'm not a XXXX they are expecting me to pay my student loans. I ca n't pay my student loans because I do n't make enough money and have to work full time ... which is why I ca n't go to school full time. It 's impossible.
A collections company called Global Revenue Solutions calls me multiple times a day. I have asked them to remove my number because they are calling my cell number, but they refuse to do so and continue to call.
I received correspondence today XXXX/XXXX/2016 from Carrington Mortgage in the name of my ex-wife only. Please see attached correspondence addressed to my ex-wife labeled " Carrington Mortgage 1 ''. When I called Carrington Customer Service at XXXX XXXX XXXX XXXX to request that correspondence be mailed to me as the primary account holder, I was advised by the telephone service representative to re-finance my mortgage! I simply wanted to have correspondence addressed correctly to me. When I stated my request again, the telephone service representative spoke with the " senior specialist '' XXXX in the Indiana branch ; XXXX ID number was XXXX. The telephone service representative advised me that XXXX advised her of the same thing : for me to re-finance my mortgage! This telephone conversation occurred on XXXX/XXXX/2016. My XXXX mortgages with Carrington Mortgage were recently sold to Carrington Mortgage by XXXX XXXX XXXX, and in the approximately 10+ years that my mortgages were at XXXX XXXX XXXX , I never once received correspondence from XXXX XXXX XXXX XXXX my ex-wife 's name. I am writing this complaint to demand that Carrington Mortgage properly and legally address correspondence for my XXXX Carrington Mortgages to me as the primary account holder or be addressed in both my name as my ex-wife 's name as was done in recent correspondence by Carrington Mortgage. Please see attached document labeled " Carrington Mortgage XXXX ''. It came as a shock for my wife to see correspondence addressed to my ex-wife at my home address ; also for legal notification purposes, as the primary account holder, my name should be addressed on all correspondence from Carrington Mortgage.
I have letter from r egion bank stating that i will receive a check. I called again to see how long the Check will take. Now i was told 7 to 10 days. Ok after the 7 days was up i called again. 
Now they say. My account was not effected. I 'm just trying to see it was or wasnt
When I graduated from school in XX/XX/2008 I was told by XXXX that I was not eligible for XXXX deferment ( XXXX ) and that I would have to go into forbearance if I was unable to make the full payments. This despite the fact that my other loans with other companies were eligible for deferral and multiple of my classmates were able to defer. Because of this I accrued XXXX of dollars in interest during my XXXX. I have subsequently been told by colleagues and a lawyer that this was a lie and I WAS eligible for a XXXX deferment. Given XXXX actions with other groups including service members, this appears to be a clear case of purposeful obfuscation for profit.
XXXX needs to delete and block these fraudulent accounts immediately : 1. XXXX/XXXX XXXX 2.  XXXX XXXX XXXX XXXX 3. Capital Accounts
We recently had insurance unjustly forced on us by Everhome Mtg. We had provided proof of insurance in a timely manner plus XXXX more times after that, because of XXXX subsequent threatening letters from Everhome Mtg., advising that they had no proof of insurance, and, that they were proceeding with the forced insurance. After an exhaustive effort, we finally compelled them to remove this unjust instrument. Our XXXX insurance agent advised us that Everhome Mtg. admitted to receiving all of her prior email/faxes documentations ( the cover letters I attached below ). The problem we have is that this happens every year. I discussed this issue with Everhome 's " escalation '' department. She advised that they have no supervisors or quality control. Her recommendation was to just to " keep calling '' until they acknowledge our proof of insurance. Since the employee I talked to has no record of the problem, it is unlikely to be solved between them and me alone.
T
rans Union XXXX XXXX XXXX XXXX, PA XXXX Dear Trans Union : The credit inquiry named XXXX is damaging my credit rating. Provide full documentation regarding the circumstances surrounding your release of my credit report, pursuant to the permissible purpose provisions of the Fair Credit Reporting Act? The inquiry was placed on my consumer file on this date : XXXX  2016 If you can not provide such documentation, you are obligated to remove the offending inquiry at once.
Sincerely yours, XXXX XXXX
The company XXXX is reporting that I have an outstanding balance with XXXX XXXX Apartment, attached you will find that XXXX XXXX responded to XXXX that I do not have an outstanding balance with them. I have disputed this information several times with the credit bureau and they have replied each time that the information that XXXX XXXX is reporting is accurate. If the company has replied stating there is not a balance with them then how is the credit bureau confirming that the information that XXXX XXXX is reporting is accurate.
Second complaint on  XXXX   XXXX   XXXX   XXXX . We have not disputed that they step out of the Federal Credit Reporting Act Guidelines and reach out to speak to a person that I never worded that was my retained attorney I received my private verification from my friend that is a lawyer. The contract that did n't exhibit my true signature for a loan from  XXXX   XXXX . My private information was sent to a person that I did n't acknowledge I gave POA to or retained I did received the information. How did  XXXX   XXXX  send a letter verifying my 30 days on the debt on  XX/XX/XXXX    but placed the actual debt without verification on my report  on  XX/XX/XXXX ? Sin ce I have filed this compliant  XXXX   XXXX  has placed this on all  XXXX   XXXX  reports after violation of the Federal Reporting Act and sending information that they need verification after they placed on my credit report in  XXXX .     I will file in  XXXX   County Court for f raudulent and misuse of T exas Debt Act an d violation of my privacy by contacting and sending my personal information to another party.
On XX/XX/2018 I was a victim of thievery. Through my XXXX account the perpetrator gained access to my Bank of America checking account. The perpetrator tried to obtain payments in the amounts of {$3500.00} and {$150.00}. i contacted Bank of America on XX/XX/2018 and reported the fraudulent activity. The amount of {$150.00} was paid and released. BofA permitted a claim to be filed for the {$150.00} to be refunded. However, {$3500.00} was in processing and since, my account would not have sufficient funds BofA stated that a claim would not be submitted. I was assured that a flag was placed on my account to prevent any requests of payments being made to XXXX, I would not be impacted any further and my account would be protected. My payroll is directly deposited into my checking account and also, I had sizeable checks that would need to be deposited to pay for Home Improvements being made to my home. On XX/XX/2018, the {$3500.00} was submitted again for payment. My funds were suspend and I did not have access to my account except for {$690.00}. BofA did not recognize the prior fraud, my account was not flagged, I was detrimentally impacted due to me not having access to my funds. I contacted BofA by phone since, I was working and the wait time was over 1 hour to speak with an associate. I then proceed to go to the branch. I then spoke with the bank representative who in turn had to contact the fraud claims. The {$3500.00} was in " processing '' and it was the policy of BofA to not release the funds. As stated this account obtains my payroll deposits, I had reported the fraudulent activities and yet I was not provided access to my funds at BofA.