WillisBack/dataset-financial-user-claim huggingface dataset:
I had a revolving ( last four of the account number was XXXX ) and checking account with Bank of America back in XXXX. In XX/XX/XXXX I noticed drafts from my checking account in the amount of {$650.00} being taken for the past 10 months. I contacted Bank of America for further information and was informed that they were for a Life Insurance policy. I never gave authorization for such policy. I requested a copy of the  authorization and they indicated they did not have it. I demanded a refunded and they refused. They drafted {$6500.00} from my checking account total without authorization and then refused to refund their mistake. I had always kept on top of my financial obligations but was furious when they basically told me they could do what they wanted and that there was nothing I could do. At that point I closed the credit card and felt they had already taken the money that was owed to that card. I even told them that they by law owe me a refund because I never at any point gave authorization for any life insurance policy, they can take the money they owed me and pay off the credit card. That 's money I would have used to pay the balance had they not taken it!. They refused and I even had my attorney offer an additional {$1200.00} to release any and all claims BOA or it 's successors may have against me, which would have total more than what the balance was. That would have been {$6500.00} ( they owed me ) plus the {$1200.00}, giving them {$7700.00} to resolve the issue and remove it off my credit report. Just because they are a huge bank they should n't be able to get away with stealing and that is exactly what I feel this is. I have been fighting this issue since XXXX. If there is anything you can do to help me I would truly appreciate it.
MODEL FINANCE sold my debt I owed them to XXXX XXXX XXXX.  MODEL FINANCE is still showing a debt owed to them as well as XXXX XXXX XXXX showing a debt. Both are reporting on my credit report.  So now if/when I apply for any type of loan or credit it looks as if I owe 2 different companies an unpaid debt, when in actuality its only XXXX XXXX XXXX that I owe the debt to since MODEL FINANCE no longer owns this debt.
After I had filed a dispute of an account with XXXX XXXX/XXXX XXXX. They did not correct the error that they had been reporting. They had been reporting the wrong year from when the account was closed in. The XXXX XXXX account was closed in XXXX yet they still have been reporting it as XXXX. They haven't corrected any of the errors. They had just done an update to the status of the account and in them doing so has lowered my credit score by 65 points. This account has been paid in-full 30 months ago. So by XXXX XXXX updating the status that they had reported to the credit agencies it lowered my credit score by a pretty high number
My work was contacted by a XXXX XXXX from XXXX. My-co-worker answered the call and was told by this person that they were filing a civil suit against me for a debt. She gave my co-worker, XXXX XXXX, the case # XXXX. None of this information should have been shared and I suspect that this is even not a legitimate debt. After I called them back, I spoke to a man that claimed they were calling to tell me they are filing a civil suit for XXXX credit card which I have n't used in close to ten years. I advised this man of this, and he claimed he had 7 years to collect. I again re-iterated that I had not used this card in almost 10 years and began to tell him that I also took out a consumer loan to pay off the balance and other credit cards ... he interrupted me and yelled " If you shut your mouth ... XXXX '' I then stopped him right there and quit talking and hung up ''. I do believe this is also the same company that has called me before at work and would not even tell me who they were collecting a debt for. I also advised this place to not contact me at work since I work XXXX. ... and they are holding up the line. These people do everything against the law and need to be stopped!
After multiple disputes Equifax continues to inaccurately report a late payment on my XXXX XXXX account in XXXX of 2016. XXXX has verified that I do not have a late payment and have sent multiple requests to update the information, yet Equifax is not updating the information.
XX/XX/17 I received a new account notification from XXXX XXXX. I found that it was from Midwest Recovery Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX for the amount of {$1500.00}. Says that it is from XXXX XXXX XXXX XXXX. It does not have a date listed on it as to when the " loan '' was taken out. I have no idea what this is regarding.
There is a US Department of Education ( Direct Loans ) account on my Experian credit report that shows past delinquency. This is inaccurate information. I disputed the account with Equifax and TransUnion, and it was promptly corrected. I have attached a copy of the dispute results from XXXX. Experian refuses to reinvestigate the account, stating that they previously verified it in XXXX 2013. The dispute from 2013 is unrelated to my current request. This account is no longer serviced by the Department of Education, as it has been transferred to XXXX. I would like for this account to be deleted, or for the delinquency to be removed.
I sent a notice of debt validation lettwr to the company. They never sent me a copy of a signature page from  XXXX . I called  XXXX  and they states that they have no debt in my name. I sent the company a letter stating that I was willing to settle the debt because I 'm trying to buy a house and wanted it removed off my credit. They sent a responding letter back saying they would settle for {$75.00}. I sent them a responding letter stating that since  XXXX  had no information that I 've had an account with them in my name they needed to now send me proof. They failed to do so?
I have XXXX separate loans under consideration ( I 'm opening XXXX separate incidents, XXXX per loan ). Each loan was transferred a number of times, and satisfied with the final lender. The problem is that the original lender is still showing the loan as not satisfied with XXXX of the XXXX major credit reporting agencies.
Tried to pay it off but was not getting through the agent. Wanted me to pay full amount was rude and didnt want to work with.
I seemed to have been impacted by the equifax hack. I checked my status at https : //www.equifaxsecurity2017.com/XXXX and it came back saying I may have been impacted by the hack. I feel that this is a misuse of my credit information and am highly concerned about this information being used to harm my credit. I have not been able to pull my credit report from equifax either using XXXX XXXX XXXX So I have no idea how this has impacted if it has yet at all.
In the third phone call I have received by the company within 24 hours, I was threatened to be taken to court, the representative XXXX XXXX exclaimed that " as a XXXX, I should pay my bills. '' She proceeded to tell me that I would have someone come to my job and or home to collect the debt from me. The first representative I spoke to said they were not trying to resolve anything, they were simply taking me to court, which I have yet to receive a summons for. The issue I continued to address with the parties is that the debt is not on my credit report and I have no one of validating the debt beyond what they were saying.
Received calls on the following date/times : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Answered phone first and second time to inquire as to what call pertained. They said collection was for medical payment for three payments of {$270.00} for copay to local primary care doctor office. Local health network uses electronic accounts and billing, in which all accounts are paid in full and current. Their billing department is unaware of why a collector is contacting me for this. 

I've informed the collection agency XXXX XXXX of this error and to please stop contacting me. They continue to call me every two days, including weekends.
Mortgage held by Atlantic Pacific Mortgage Corp. was paid in full XX/XX/XXXX, but Deed of Trust was never released. This was discovered XX/XX/XXXX, when processing a refinancing transaction. Despite numerous telephone calls, emails and a demand letter sent via certified mail, the Deed of Trust still has not been released.
Purchased home in XXXX 2013. Bought specifically for potential equity position in rapidly growing and valuable area. Put 5 % down knowing that in a few years my home would be worth enough to justify PMI removal. After requesting PMI removal in XXXX this year, it was denied because I had XXXX late payment while I was out of the country and my servicer did not have online capabilities and I could not phone. they would not waive this late. Due to this late, I was instructed to start the process again in XXXX this year. The only method of contact for my servicer 's PMI department is email. They have no phone number and no one to contact, just have to email and hope. After several emails, I received a letter saying the removal was denied bc my home was not at 80 % LTV. It is in fact at 75 % LTV and even that tax recirds indicate so. I sent in a dispute and have followed up weekly for six weeks with no action form my servicer. I have spent countless hours on the phone and have sent numerous emails, the most recent being a " fifth and final request '' in the subject line and within the body stating that I was going to seek external assistance, which I am doing now. 
My PMI is $ XXXX/month and so far I have spent an extra {$3000.00} annually on this insurance that no longer applied to my credit terms and by my servicer 's determination I have paid an extra {$560.00} because of their lack of action ( the discrepancy there is due to the date I think the PMI should have been removed VS the date they claim )
While trying to qualify for a mortgage, my lender indicated that there was several items on my credit that were making me unable to get a mortgage. All of the items that were explained to me were not associated with me and I have no idea what these negative items are about.
I opened a Citigold checking account with a promotion code that said would provide XXXX XXXX XXXX miles once met the requirement. There was no any word in the term saying that I am not eligible for the offer and I also confirmed several times with the bank and the customer service people, they all told me I could get the offer. However, recently, Citi bank told I was not eligible for this offer because the offer is only available to certain people. They never mentioned that when I opened the account. They should fulfill the offer.
I have been a SAMS CLUB member over 10 years, and I just find out they sold a unpaid bill under my name to a collection angency and placed on my credit report totally out of my knowlege. This unpaid bill is for a creadit card that I have never ever received, neither a actual creadit card nor a single paper statement! Therefore I called SAMS CLUB, XXXX of their representative told me the account was closed, he can not give me any information but only a number for the Debt collector. This is insane and not a proper way to treat a royal customer. On my credit report, it shows there is just XXXX original charge of {$170.00}, and fees add to it every month, the amount had increased to {$320.00}.
ON XX/XX/XXXX I applied for credit on a used car but when I arrived at the dealership for my appt. time, they sold it just prior to my appointment and tried to sell me another car I didn't want. On XX/XX/XXXX, I looked at some cars on the XXXX and the salesperson said I qualified for one of their cars but only offered me {$1000.00} trade in on my XXXX XXXX XXXX so disgusted, I turned down his offer, On XX/XX/XXXX, I purchased a new XXXX XXXX from XXXX XXXX, but AFTER I purchased it, an additional 6 hard hits came in thru XX/XX/XXXX. These 9 hits should be enveloped? as one due ( 1 ) to  the car being purchased and I was unaware that hard hits were continuing and I don't believe they were authorized. 
Second, On XX/XX/XXXX, I was pre-authorized to buy a second car which my brother and I wished to purchase together. On XX/XX/XXXX we purchased a new XXXX XXXX and was assured that we were financed by XXXXXXXX XXXX XXXX and was and due to the XXXX holiday, and the car needing pre-delivery update we returned after XXXX and took possession of the Car. The Hard hit 's continued thru XXXX for a total of ( 21 ) which should again be enveloped? as One (! ) due to they were not authorized and for a single purchase started on XX/XX/XXXX and accepted on XX/XX/XXXX.
As I called to file the dispute with Bank Of America in mid. XX/XX/2018 about my XXXX XXXX transaction. My dispute is that I prepaid XXXX XXXX for service that I have not received. 
I stated on my dispute : in order to receive the service, I must attend one of the mastermind events in XXXX XXXX or XXXX. So I scheduled to go to XXXX XXXX from XX/XX/XXXX to XX/XX/2018 for XXXX and XXXX XXXX including with my XXXX XXXX XXXX. However, XXXX has been brought to court by the FTC on XX/XX/2018 and by law, no communication at all with XXXX during the court time. 
I submitted the documents of FTC and my confirmed schedule to go to XXXX XXXX together with my booking plane to go to XXXX XXXX from XX/XX/XXXX to XX/XX/2018 for my services. 
When I got the denied letter of BOA, I called BOA to ask the reason for the denying. XXXX, BOA agent, told me : that time of the event is not coming yet and it might happen in the future day from XX/XX/XXXX to XX/XX/XXXX as I scheduled to go for the mastermind and coaching, so my dispute has to wait for that time coming. And if the events are not happened, I must call to request to reopen my dispute case. 
The Judge move the TRO ( Temporary Restraining Order ) to XX/XX/XXXX, so I wrote a letter to BOA to ask to reopen my dispute. At BOA location, I faxed my letter and the XX/XX/XXXX TRO to BOA to ask to reopen my dispute. To make sure, I called BOA before and after XX/XX/XXXX to ask to reopen my dispute, they told me to write a letter to explain why I want to dispute with information to support the dispute to BOA. One of my call in XXXX, the BOA agent told me that he reopened my dispute and I have to write a letter to explain my dispute with this Claim ID : XXXX. Therefore, I wrote my letter on XX/XX/XXXX to fax. 
My fax on XX/XX/2018 includes invoice, confirmation for masterminds, airplane ticket, airplane cancelation, and few first pages of TRO on XX/XX/XXXX and XX/XX/2018. 
However, BOA balance is not halt ; BOA states my minimum paying and the due date. It means that he did not reopen my dispute case. In addition of confusing, I saw a different claim ID : I checked my dispute in BOA message center, I saw a different claim ID. I change the claim ID and faxed it again with Claim ID : XXXX on XX/XX/XXXX letter. On the last call, BOA agent told me that he couldnt reopen my dispute without reason : he told me that he cant open it permanently. 
I dont remember how many calls I make with Bank Of America. The call were about to reopen my dispute, and at the last call, I ask an agent and he told me that I did call on those date : XX/XX/XXXX and XX/XX/2018 XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2018 Bank Of America keeps changing the claim IDs, so the dispute has been confused. 
Claim ID : XXXX Initial Date : XX/XX/2018 Claim ID : XXXX Initial Date : XX/XX/2018 Claim ID : XXXX Initial Date : XX/XX/2018 Claim ID : XXXX Initial Date : XX/XX/2018 Claim ID : XXXX Initial Date : XX/XX/2018 Claim ID : XXXX Initial Date : XX/XX/2018 Claim ID : XXXX Initial Date : XX/XX/2018
XXXX has frozen my safe with {$100.00} in it and is not allowing me to access my funds. I have been trying for 2 months to access my funds, but the account has been frozen. I have been trying to contact customer service, but have been unable to reach them. They are holding my {$100.00}, and I want to either load my card or have them mail it to me. 
My username on their site to access my safe is XXXXXXXXXXXX 'm attaching a picuture of what happens when I try to log in. There is {$100.00} in the safe that is mine and they are holding.
Bonus miles not applied to my account. The bonus miles are claimed to be available only if you use the card for a minimum amount of purchases in a three month period after account opening. While this is clear on the airline 's website, the terms and conditions as advertised, are not clear on the bank 's site. Using the internet archive, the website, as I saw it at the time of account opening is not available.
Equifax shows a Federal lien in the amount of {$1400.00} that has been withdrawn by the XXXX. I have submitted the paperwork from the XXXX showing the withdrawal on XXXX separate occasions. Each time Equifax claims to have verified the lien. This is not possible as I have a copy of the court recording and have verified again with the XXXX that were are absolutely no liens that were not withdrawn.
I had a flexible spending account with ADP. I would put XXXX toward my medical bills each year. In XXXX I had a filling filled and my XXXX gave me a receipt. XXXX did not accept the receipt because it was n't itemized. I then sent the explanation of benefits from my insurance company. I thought that it was set. However it was n't. And I lost the XXXX dollars from the XXXX plus everything that was left on my flexible spending account because they locked my account until I could produce a itemized bill that was not an EOB. This was about XXXX dollars. It stung but I swallowed it. 
In XXXX I planned to have a child so I signed up for XXXX XXXX. This time putting XXXX dollars are the card since I knew my care would be expensive. I also spoke to my drs and was assured that I could get an itemized receipt for services. I tried to use my card and was told the card was still locked pending the receipt for XXXX. I explained that I had forfeited XXXX dollars then and that I could not get a receipt at this point. XXXX then told me it would not matter, as I only have 1 year to submit a receipt. So I asked how do I resolve this and fee my funds. XXXX told me that I could not and that all XXXX dollars would be forfeited at the end of the year. I got my company HR involved but they could not help me either. 
I then called a few class action suit attorneys but did not have the time once my daughter was born to follow through. There may not be much you can do for me, but I hope this does n't happen to anyone else.
I've spoken with Navient multiple times about rectifying my account. The interest rate on all of my loans are are 6.8 or higher ; thus, my payments and amount owed rises by the day. In past times, Navient was not forthright about information concerning deferment and forbearance and what it would do to my account. I initially took out XXXX and now I owe XXXX and I just graduated in 2013. How did I jump XXXX over five years? Additionally, I am paying {$500.00} a month and it's not putting a dent in the overall amount at all. Navient has greedy/sneaky tenancies and that behavior is unacceptable. When I try to communicate with them about my concerns, they give me a vague answer, and never really assess my account or address the issues I have. I know something isn't right with my account and I feel stuck.
I had an agreement with XXXX XXXX XXXX that if I paid the debt in full, they would have it removed from all three credit reporting agencies. I reviewed my credit reports on X/XX/2017 and the account remains on the credit reports. I disputed the items and also called XXXX XXXX XXXX and spoke to XXXX. She stated that the account should have been removed from my credit reports because the company had instructed the credit bureaus to remove it. She stated that I needed to contact the credit bureaus to have them remove it. She said she would send me a letter via email to the credit bureaus stating that it should be removed. I still have not received the email containing the letter.
I mailed off a letter to the credit reporting company with a tracking number and my mail has been sitting at the XXXX also mailed to the XXXX in XXXX Texas and the reporting company still have n't picked up my documents. How am I to adequately dispute the inaccuracies on my credit report if Experian will not pick up there mail that has been sent through the usps using certified letters. Also the mail is being delivered at the XXXX that has designated to sending consumers disputes.
A friend owed me money and wanted to pay me in Bitcoin. I accepted a created a Coinbase account to receive the Bitcoin. I created this account, received the Bitcoin, and made a bank account so I could attempt to withdraw the Bitcoin. They are holding my Bitcoin hostage until I am XXXX. Custom Service claims when I was signing up I was warned I had to be XXXX but I recall no such warning, and they let me sign up with the birthday XX/XX/XXXX. This birthdate would make me XXXX. I have {$230.00} in this account and by the time I turn XXXX in a year and a half it could be {$0.00}.
ON THE LAST XXXX XXXX  PAYMENT OF OUR XX/XX/XXXX XXXX XXXX THE PAYMENT WAS OVER PAID. TOYOTA REIMBURSED THE OVER PAYMENT IN A TIMELY MANNER. THE PROBLEM IS, THAT ANOTHER XXXX PAYMENT WENT OUT AGAIN IN THE THE AMOUNT OF {$500.00} IN XXXX. TOYOTA HAS INFORMED US THAT WE HAVE ALREADY BEEN REIMBURSED FOR THE FINAL PAYMENT IN XXXX AND THE PAYMENT IN XXXX. WE HAVE BEEN IN CONTACT WITH SEVERAL SUPERVISERS WITH ANSWERS THAT MAKE NO SENSE. ONE OF THESE APOLOGIZED FOR THE PROBLEM AND TOLD US THE OVER PAYMENT WOULD BE SENT OUT AND WE WOULD HAVE A CHECK IN SIX TO SEVEN WORK DAYS. TOYOTA ASKED FOR DOCUMENTS FROM XXXX  THAT SHOWS XXXX  XXXX  DEPOSIT AND WE EMAILED IT TO THEM AS DIRECTED AND THEY SENT US AN EMAIL STATING THEY RECEIVED IT,
I received a XXXX title loan for my XXXX XXXX. One of my family members was XXXX and I took out the loan to help that family member get out of XXXX. My family member got out of jail and didn't pay me back the funds that he assured me that he would return. These same funds were supposed to pay my title loan back. My loan was due on XX/XX/XXXX. ( Today is XX/XX/XXXX ) I've recently been terminated from my job further preventing me from paying my loan. I advised the title loan company that I'd like to just voluntarily surrender my vehicle ( which still runs ) and allow them to redeem the vehicle for whatever it is valued at. My vehicle is currently valued at around {$1200.00} at this point. XXXX XXXX XXXX advised me that they didn't want the vehicle and advised me that if I returned the vehicle then they'd just let it sit in front of the store. I advised the representative that I understood the process and that if there was a remaining balance that I'd try to settle it once the vehicle was sold at auction. The representative confirmed that they didn't want the vehicle because it's in their best interests to allow interest to build up on my account. I advised the representative that once I surrendered my vehicle then the interest should stop accruing to which the rep responded that that's not always true. I advised representative that these are predatory practices. Representative told me that he didn't have anything else to say. Advised representative to cease and desist with calls. Representative told me that Cease and Desist laws doesn't apply to my loan. Representative 's name is XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX
I have a loan with HOME POINT FINANCIAL C. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and HOME POINT FINANCIAL C with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXXr - XX/XX/XXXX / XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX.