WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX/XXXX/2015 I deposited a check in the amount of {$1200.00} to my personal checking account at Peoples United Bank. I did so using their mobile app. The check was paid on XXXX/XXXX/2015 and I have a copy of the cancelled check from the counter party that proves the funds were paid on that date. 

Nonetheless Peoples Bank did not credit my account until ten days later, XXXX/XXXX/2015. In the intervening time I was charged for returned items and 2 payments that I submitted were returned from the institutions I paid, causing me embarrassment. 

At this point Peoples Bank is refusing to credit me fully for the returned items, will not give me a written explanation and refuses to contact the institutions I had paid with an explanation of the faulty crediting in my account. 

Also, despite my changing my address information with a teller at the XXXX XXXX XXXX branch in XXXX, the address change was never made on my account. They still show the old address in XXXX XXXX! 

I want to be credited fully for the charges issued me during their delay, have a letter of explanation and have my returned item payees receive a letter explaining that this as not due to my fault. 

At Peoples Bank I spoke to a XXXX '. To say that she was surly understates the matter to a ridiculous extent. She kept me on hold for 20 minutes after another person had me on hold for 10 minutes. We did have a loud and angry exchange after that and then she put me on hold ... and for some reason (??? ), we were disconnected. Could she have actually hung up on me? Fortunately there is a tape of that conversation. 
Despite my requests on 3 occasions XXXX has not called me back. 

This account with Peoples United Bank has its origin in the purchase by Peoples United Bank of an account of mine at XXXX XXXX in XXXX XXXX. This account simply receives XXXX small pension payments, SS being XXXX of them. Fortunately I did not move any money to this bank because, after visiting a branch in XXXX my intuition told me that these people were inexperienced and not trustworthy. Therefore I did not move any other money to the account.These accounts do not make a material difference in my life or lifestyle. None the less, when I see how small account holders are really XXXX by banks, are charged usurious fees for overdrafts, are shunted around in call centers and generally abused by the staff I really do not want to hold my peace. I hope you can do something to reform this 'free checking '.
I AM FILING THIS COMPLAINT BECAUSE EQUIFAX HAS IGNORED MY REQUEST TO PROVIDE ME WITH THE DOCUMENTS THAT THEIR COMPANY HAS ON FILE THAT WAS USED TO VERIFY THE ACCOUNTS/INQUIRIES I DISPUTED BEING THAT THEY HAVE GONE PASS THE 30 DAYS MARK AND CAN NOT VERIFY THESE ACCOUNTS./ INQUIRIES UNDER SECTION XXXX ( XXXX ) ( A ) OF THE FCRA THEY ARE REQUIRED TO PROMPTLY DELETE ALL INFORMATION WHICIH CAN NOT VE VERIFIED THAT I HAVE DISPUTED. PLEASE RESOLVE THIS MATTER AS SOON AS POSSIBLE THANK YOU
I was approved at : XXXX : XXXX A person named " XXXX XXXX '' called me and we went over some details. I was approved ( per 2 emails she sent me from " XXXX '' ), she then asked for me to visit a site to do a 'bank verification '. Afterwards, I signed and agreed to a contract allowing me to pay off the {$500.00} loan whenevr I wanted ( so I could avoid as much interest as possible, I know what I am signing up for with this, but am in a bad spot ).

Afterwards she said she would call in 15 minutes with the bank transfer verification, but instead I received a 'Denied '' email.

I don't mind getting denied, but I already signed a contract and provided personal information about my bank and paystub.

A company like this should have their approval/denial up front, before sensitive information is shared.
Continuous threatening calls at work numerous times a day although I informed him to stop calling my place of work. He uses profanity and attempts to reach other people within my workplace to share my personal business. He leaves voice mail messages and informed me that he has me on a 24 hr. reminder. He informed me that the debt consisted of XXXX companies, but when forwarding the information to me, it only referred to XXXX company for the full amount discussed. I have emailed him on XXXX occasions to dispute/ try and resolve the matter, he has not responded in writing to either XXXX. However, he will call and speak very rudely to me and continue with threatening to seek wage garnishment and alert my coworkers. I hung up on him and he called me right back 10 times consecutively.
Nelnet keeps adding balances and subtracting balances from my accounts. This is adversely affecting my credit score! I am in the middle of financing and their frequent updates are extremely detrimental to this process. First and foremost, I have been in student status and military deferment since XX/XX/XXXX, not to mention they did not have my correct contact information and I was not notified that I was out of forbearance. I respectively ask that the late payment statuses XX/XX/XXXX -XX/XX/XXXX be REMOVED and set to CURRENT. As soon as I spoke with a rep at Nelnet my loans were put back in Military deferment/Student Status. Also, I am requesting that all loans older than 7 years be removed/deleted off my credit report at once in order to comply with the FCC, as that is more than the SOL for my state I need this done ASAP, as Nelnet is  doing illegal collecting and reporting porting practices to all three credit bureaus.
American Express ( AMEX ) and XXXX had a join promotion under code XXXX from XXXX to end XXXX 2016 for free airport XXXX ride. 
We took the ride on XXXX from XXXX XXXX airport cost {$34.00} charged under my AMEX card. Under the above promotion, AMEX is to credit full {$34.00} to my American Express Card. However, AMEX refuses to issue the credit to me. I have disputed with AMEX but they close my dispute without proper explanation. I complaint through XXXX too, and AMEX simply replies that it is XXXX responsibility to issue the credit ( if that is the case, AMEX has the responsibility to assist my dispute to begin with but AMEX did not. 
I am seeking your help on this matter. AMEX should honor its joint promotion with XXXX and issue me credit of {$34.00}, and issue credit to all other XXXX drivers under this promotion.
I contracted with the Student Loan Care ( studentloancarecompany.com ) to apply the federal student loan forgiveness program on XX/XX/XXXX. They said they would pay for my loan one year instead of me, then I need to pay for them {$42.00} every month. I believed their services and I did not care well about my student loan payment. 
However, I had to pay {$45.00} every month to XXXX XXXX XXXX as well as XXXX XXXX automatically charges monthly {$42.00} immediately from my bank account. 

In XXXX, I realized my loan balance increased and paid nothing for a while. I just found the record my little paid. I have tried to contact and cancel with the XXXX XXXX XXXX XXXX, and then stop the payment to XXXX XXXX. They said I can not cancel until my paid off. I didn't understand why I have to pay them every month for my federal student loan. They did not pay for anything but gave me a damage of my credits. 
I have NOT received any services or notification from these companies for my loan payment. I was SO upset and complain them, but they are still taking {$42.00} every month from my account. I confirmed with XXXX XXXX XXXX that they are not associated with these companies. I already paid them over {$1200.00}. But my XXXX XXXX balance is not changed. 
The Student Loan Care and XXXX XXXX are defraud to threatening student finance. 

And, I am very wondering how they know my federal loan balance and personal information. I am assuming XXXX XXXX serving or XXXX leak out students ' information. 
So that they are running their business without any association of Federal government. 
I got phone calls SO MANY TIMES from this kind of companies. They said all same words to concern my loan balance and help me. It was not only The XXXX XXXX XXXX XXXX. 

I would like you resolve this problem ASAP. Thank you.
I consolidated my loans a couple of weeks ago. I talked to Department of Education several times last week and they stated that I owed nothing to them, and they received a payment the end of  XXXX . I am no longer in default. You would think that would be wonderful, so I just received a call from the mortgage company stating that I was denied for the loan due to Department of Education stating that I owe them {$1.00} which  they ust placed  on my credit reports it took my score down  XXXX  points. Mind you   XXXX    was suppose to pay off EVERYTHING so how did a dollar slip thru the cracks How are they allowed to keep screwing my life up I did my part they go paid and still causing me grief they they are making extra remarks on my report. It the balance is paid just say PAID not pad was delinquent nobody cares if was delinquent that just want it paid.I am so furious a DOLLAR really. I called  XXXX  they stated that I did n't owe them anything. PLEASE PLEASE HAVE THEM CORRECT THIS. I OWE NOTHING TO THE DEPRTMENT OF EDUCTION SOMEBODY SCREWED UP, and I am paying for it
To whom it may concern : This complaint is in regards to a promotional offer for an Starwood Card offered by American Express. An offer was sent to me in XX/XX/XXXX that I qualified for that would allow me to receive XXXX Starwood Preferred Guest  ( SPG ) points for {$1000.00} spending for each authorized user I add to my personal card account, up to four, for a maximum of XXXX SPG  points potentially awarded, starting in XXXX of this year. 

I added my wife, my father and mother, and my sister to this card in XX/XX/XXXX, and met the appropriate spending to each card inXX/XX/XXXX. I however only received the bonus for my wife, and not the bonuses for my father, mother or my sister 's authorized card use. 

I have contacted American Express on four separate occasions ; three times using the online agent feature in XXXX through XXXX, last onXX/XX/XXXX, and once by telephone XX/XX/XXXX. After my second online agent discussion, I was told my concerns would be forwarded to their " rewards team '' After today 's online and telephone discussion, I was again told that my concerns will be forwarded for investigation. No timeline was given other than weeks. 

I have met the terms and conditions for this offer - I do n't think any agent has expressed to me otherwise that I have not. I expressed concerns that previous promises of escalation and investigation have not lead to results. I have not received any direct correspondence about any investigation from anyone.
I am opted out of overdraft protection at BB & T. I have been charged an overdraft fee on numerous occasions, even as i have been opted out of all overdraft protection for over 30 days. I would like to launch a formal complaint against BB & T charging me when i have not authorized overdraft fees.
XXXX XXXX XXXX & XXXX XXXX XXXX is saying I owe this debt, but I DO NOT owe it. 
I was victim of of identity of ID theft.
After reviewing my credit report I noticed a late payment status dated 3.5 years ago on my XXXX XXXX XXXX XXXX. This is NOT correct. I have never been late on my payments ever.
Brief description, This is for a medical bill for {$100.00}. I 've been XXXX three times in the last 12 months, and this is XXXX of XXXX bills left that I have been tackling. My accounts were sold to a collection agency for my deductible portions before I even recovered. This Financial Corp of America, called my brother 's home number, XXXX towns away with a different last name, and left a message for me on his family 's machine saying it was from a debt collector for ME giving my name. I called them back and asked how they got his number and they said it was listed as an emergency contact in my medical records. I would like to know how a medical collection agency has access to my medical records if this is in fact how they got his number. My brother is not listed on anything, anywhere. They also confirmed that they do have my correct address and phone number so there was no reason to call my family other than pure harassment. My family has been worried about me enough over 12 months, letting them know I have debt as well as a result of being sick is is more for them to worry about. I 'm beyond upset over this. My brother has the recorded call and the agency has my recorded call when I called on XX/XX/XXXX at XXXX XXXX
Commenity bank representatives are calling me every hour between XXXX and XXXX from blocked phone numbers and leaving no messages. I asked them to stop contacting me in XXXX XXXX and they have since been calling from blocked numbers.
XXXX XXXX from XXXX XXXX calls approximately 10-20 times per week from multiple numbers. He never leaves a message. The only way I know his name is because he called and demanded to speak to my employer and accidentally called my boss while doing so. I have called and asked him to cease all verbal communication and contact via written correspondence only but he told me that he is going to " file paperwork '' and have me arrested if I do n't pay a loan which he discloses nothing about.
I have disputed numerous times with Equifax concerning Equifax has continued to state that XXXX County contacted them and verified this information. XXXX County Clerk of Courts stated they did not report any information at any time. Equifax has been violating the FCRA and stating that they did and giving their contact information and its not factual
My name is XXXX XXXX, I had an loan with a company name Ocwen Servicing Loan in which was brought out by XXXX now XXXX XXXX. At the time of transfer, I asked several account rep and Service manager to validated the payment history before assuming this loan from Ocwen Servicing. At no time XXXX now XXXX XXXX   validated or send me a verifiable payment history with Ocwen servicing Loan. I eventually paid this loan off and ask for this account to be closed. At this time, the credit report is not correct due to the date and open of the account, payment history, and the account showing closed as of XXXX17.
I had got a loan with One Main Financial, made payments then fell behind, I called to see about setting up arrangements and they didn't know what office was handling my account, I gave them all the information and they said they would contact me and never did, I reached out to them again once to settle the debt again they didn't know where my account was located still never received a response. SO I filed a complaint with the XXXX, they then pulled my account from collections and made it current. Then when I contacted them again they STILL could not locate the account. Now its on my credit again and was sold and this is damaging to my credit. I made numerous attempts and complaints and nothing. This is over a course of 4 years. I am fed up with them reporting when they never tried to resolve it when I was initiating a response.
I sent a letter to FIFTH THIRD BANK letting them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and FIFTH THIRD BANK refuses to delete the fraudulent accounts from my credit report stating in a letter it 's verified. FIFTH THIRD BANK provided no physical evidence to why they wo n't remove it, according to the FDCPA and FCRA they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit.
This our XXXX case we were forced to open with Discover as they completely ignored the issue citing unfounded claims. I have had an ongoing issue with Discover. They reported incorrect enrollment dates for XXXX and residency, based upon which I was charged exorbitant late fees while in school deferment periods. We have also had issues with premature capitalization occurring while I was in medical school, as well as multiple erroneous and fraudulent capitalizations on same loan during valid in school deferment status. At this point we were informed that Discover has changed their records to erase evidence of the school status. We tried resolving the issue with Discover directly and have been " bounced '' around from specialist to specialist, finally dealing with XXXX XXXX in the Executive Offices. She was both aggressive and antagonistic when I asked how to help resolve these issues. We decided to involve the CFPB instead of a lawyer at this time as we can not afford to pay hourly fees for legal representation. We have been charged exorbitant amounts of money and we are certain that Discover is guilty of fraudulent record keeping and egregious mismanagement of my Student Loan accounts. 
XXXX XXXX XXXX
CAPITAL ACCOUNTS violated federal law by not notifying me within ( 5 ) days before they REQUESTED this account to be INSERTED on my credit file pursuant to 15 U.S. Code 1681i ( B ) ( i ) ( ii ) and ( iii ) Requirements relating to reinsertion of previously deleted material. Although this is not a refusal to pay ; however, your noncompliance within the ( 30 ) day time frame is a violation of both the federal and state law according to the disclosure requirements of the Fair Debt Collection Practices Act and the Uniform Commercial Code ; yet, CAPITAL ACCOUNTS fail to meet the legal requirements by law.
I attended   XXXX   college from  XXXX  of  XXXX  until  XXXX  of  XXXX . I was on an   XXXX  scholarship  that paid 75 % of my tuition. So I needed a loan to cover the other 25 %, which was about {$3000.00}. This is the only student loan I should have. The following year I was given more scholarships for   XXXX   and I joined the   XXXX    and   XXXX   programs. With both of those programs they covered the left over 25 %. For my  sophomore and junior year I moved off campus so if anything my tuition should have went down. For some reason the school took out another {$8000.00} loan my Junior year. I never saw any of that money and I never signed for it. When I told navient this they sent me a promissory note that I signed my freshmen  year for the {$3000.00}. They advised that once I signed that letter my freshmen year I do n't have to sign anything again for them to take another one. So basically they can take a loan when they want once you sign a promissory note. It doesn'the seem right to me. I should have had to sign something for them to take out {$8000.00}. I even tried to go to the school to get some paperwork from back them and they could not provide me with any. I 'm not disputing the {$3000.00}. I know I owe that but I should n't owe the other {$8000.00}. I never needed or saw it applied to anything.
I was going thought one broker ( XXXX ) then they said there was an indemnification issue and they needed to change to a new lender ) Mean While XXXX at RP funding talked to me be said the indemnification is not an issue he was also aware I was 90 past due over a year ago ( just shy of 30 now ) he offered me a great rate XXXX plus they were paying the closing cost.. Once the underwriter got the file the exact issue I told him about I was denied for after weeks of asking what 's wrong with no clear answer. Once they cam back to me they started to tell me all sorts of things like I was 5 months past due and it was a conventional not FHA loan neither which were not true. I feel that this was a stall Method in order not to have to give me the rate they offered.
We contacted Consumer Finance regarding errors in our billing. ( We pay one month in advance due to Santander 's high interest rates ). As the result of the complaint, we received an apology and assurance that the problem had been fixed. This month, not only were we arbitrarily removed from receiving paper statements, but our online statements have all been changed, so that now there is actually no evidence of our ongoing extra payments. I phoned the office on XX/XX/XXXX to speak to someone about this and " XXXX? '' informed me she is " not allowed '' to speak to me and all calls I make must be " handled by the legal department ''.
On XX/XX/2018 i went to a XXXX store to buy a sim card and the agent told me they have a plan for 4 for XXXX per month. When he asked for my social security number, I first asked him what for? He said JUST FOR THE APPLICATION. AND I ASKED HIM " WILL THERE be A CREDIT CHECK? HE REPLIED " NO. '' and again i asked if not even a soft credit check? ONCE AGAIN HE REPLIED " NO ''. Few minutes later i got an email from credit karma notifying me of a hard check while i was still in that store..i immediately complained. 
The rep called XXXX and I also called the same day to have them remove that, BECAUSE I CLEARLY STATED THAT I DO NOT CONSENT IN CHECKING THE CREDIT. XXXX SAID THEY WILL WORK ON IT AND I AM STILL SEEING IT ON MY TRANSUNION REPORT. 
XXXX TOLD ME TO COME ON THIS WEBSITE TO FILE THIS COMPLAINT AND IT SHOULD SPEED UP THE REMOVAL PROCESS.
The initial compliant number was XXXX Pennsylvania HIGHER EDUCATION ASSISTANCE AGENCY in XXXX, PA are still attempting to collect a purported debt that is not owed at all. They stated that they are not going to do anything else and here is proof that they are XXXX LIARS. XXXX XXXX, has been satisfied with the payments that have been provided and XXXX, is not collecting so why am I being harassed Pursuant to section 806, 15USC1692d ( 1 ), and ( 2 ) by A XXXX SET OF DEBT COLLECTORS, I am nervous and upset by them attempting to GARNISH the little money that I make and I have been working with the XXXX XXXX XXXX XXXX teaching school for the past 15 years and this CORPORATION is trying to garnish my pay. I really need to be compensated for their disregard for the CEASE AND DESIST ORDER. I am filing another complaint so they will know please do not attempt to contact me again. I will also file a Court case against them if they call me a borrower one more time. I also need them to send me a check in the amount of {$10000.00} for harassment. These people XXXX do not want to work and want me to become a slave for them. I am already dealing with enough. I do not want to see anything but a check in the mail. These XXXX better obtain a job like I have and they have the nerve to want me to send my information to them concerning my banking and investment assets really. These people need to send me money for even asking about my private information. XXXX CEASE AND DESIST, CEASE AND DESIST CEASE AND DESIST. The rest of the DEBT COLLECTORS have been satisfied and here you come trying to get my signature so you can obtain money there is none so why are you trying to steal from me. STOP STOP STOP. I have the full faith and Credit of the United States and this DEBT COLLECTOR is in Commerce not I a Natural Person who has power to obtain anything for family, personal, and household use. The CROOKS ARE IN COMMERCE. ESPECIALLY XXXX XXXX XXXX XXXX I KNOW NOTHING ABOUT THESE CROOKS.