WillisBack/dataset-financial-user-claim huggingface dataset:
I opened business checking account under promotion to receive {$200.00} after making {$1000.00} in deposit. I opened the account on XX/XX/2017 and have had {$3000.00} balance in the account for the last 3.5 months. I have called BOA multiple times, usually being transferred from department to department, spending hours at a time without any resolution. I had been a loyal customer to BOA, and is very frustrated with the way they are treating their customers.
XXXX is claiming A debt of XXXX dollars .I 've called several times after I closed my account when contract was over to see why I owe the remaing amount and they could not give me proof or accurate documentation and had different stories. I don't owe them anything .I finished my contract with XXXX and then went into store and closed my account they told me I had a XXXX balance .I would like to jave this removed from my account. Account status is closed but won't remove it from credit report.Thank you
3 accounts that im not aware of that were previous removed and then added back on without a 5 day letter to let me know they were being readded ... were once again added again. 
Accounts : XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX and trust twice with 2 different accounts. Also a letter was sent verfiying that the bankruptcy ct dors not verify bankruptcys with credit bureaus ... and 2 of those were deleted and one remains and these accounts were under those bankruptcys in which these should be deleted because they were not mine or these accounts.
this company is claiming i opened an account i never done business with them and never authorized anyone to open any account i never been or shopped with XXXX   like they claim i filed a police report and here it is if they dont remove it this time my next step is to take them to court
Equifax,  XXXX  and  XXXX   XXXX  are ignoring my numerous requests to investigate and remove accounts from my credit reports that do not belong to me.
I was injured at work I have a XXXX Representative my case number is XXXX My case worker is XXXX XXXX the claims department number XXXX. I contacted this collection agency to let them know that I provided all my insurance at the time of services they refuse to take it I 'm insured by XXXX XXXX XXXX XXXX. I 'm constantly getting these harassing letters and no proof of the debt. I contacted them and they sent me a letter stating that if I do n't get the proof in 30 days from XX/XX/2016 Everything will cease and be removed it 's XX/XX/2016 no correspondence yet and this still remains on my credit bureaus XXXX of my credit bureaus
borrowed {$1000.00} payments to be {$330.00} per month for 12 months at 497.27 % interest. loan was made on XX/XX/XXXX. Total payment for {$1000.00} loan will be {$4100.00}. I think this would be excessive in the state of Pennsylvania. Money being taken through direct debit until XX/XX/XXXX. Bank account closed at advise of bank to prevent further withdrawing from account.
On today, Optimum Outcomes, INC reported an account to my credit without my knowledge. They have contacted me about a debt in the amount of {$2900.00} that I did not authorize. They have called every single day and night seeking payment. I did not authorize this account.
Good day. My name is XXXX, and I am filing a complaint against US BANK CORP in regards to multiple fees. I opened a US BANK account around XX/XX/XXXX, responding to an internet offer. After an initial deposit to open the bank, I found myself not using the account and did not manage the account for a period time. After receiving a statement saying they were closing the account, I concluded that there was no further action to be taken. Not knowing that a credit card payment had been made due to an auto payment set up, US BANK continued to add on several or more fees knowing that the balance was accumulating over XXXX dollars in the negative. After receiving a letter from a collection agency regarding the US BANK account ( I was unable to login to the account after US BANK had locked up online bank access ) I was shocked to see a balance of {$250.00}. After contacting the collection agency and having them cease and further efforts to collect on the debt, I filed a dispute with the XXXX, and received a statement from US BANK Corp regarding the balance. I disputed their efforts to collect on the balance stating that their numerous weekly overdraft fees, along with a " closing account '' fee of {$30.00} were unacceptable and that I would be willing to pay for the overdraft fee and balance for the payment to my XXXX. What I do not agree with is why banks allow an account to go negative, thus accepting a payment, allowing the balance to go negative and then adding on nearly {$200.00} in fees. It feels like I paid US BANK {$200.00} to open an account for a promotional offer. I replied to their first statement noting the fees and my offer to pay for what I feel is my responsibility, only to receive a second response stating that I was to pay the full amount, and that the record would remain on my XXXX file. No remorse, no empathy for my situation, pretty much that " this is how it is, we hold all the cards, you pay us now ''. I find this unacceptable and for the most part, criminal. I come to you today to assist me in showing these big banks that they can not bully us into paying all these ridiculous fees, a " closing account fee '', really? The further you put somebody in a negative balance the worse an impact it has on their financial situation. I would never even have taken their promo offer if I knew I would be out {$200.00} after XXXX months.
I HAVE BEEN TRYING TO WORK WITH MY LENDER FOR A LOAN MODIFICATION/ATTORNEY GENERAL NATIONAL MORTGAGE RELIEF SETTLEMENT. MY LENDER HAS BEEN DELAYING CONSIDERATION OF THE MORTGAGE APPLICATION, " LOSING '' DOCUMENTS, CONSTANTLY REQUIRING ADDITIONAL ITEMS, MAKING ME SUBMIT NEW DOCUMENTS BECAUSE THE ONES ALREADY SUBMITTED ARE TOO OLD ( BECAUSE THE LENDER DRAGGED ITS FEET ), DUAL-TRACKING ( FILING A FORECLOSURE COMPLAINT WHEN A MODIFICATION APPLICATION IS PENDING ). 

Facts, today XXXX/XXXX/2016, I was served a foreclosure complaint from Pacific Union Financial LLC. I attached a copy to my complaint. The foreclosure complaint is dated XXXX/XXXX/2016. Since XXXX XXXX, 2016 I have been working with my lender for a modification. I sent them a complete package and currently my loan is in underwriting since XXXX/XXXX/2016. The foreclosure complaint is premature and should not be issued due to the fact that I am currently working with my lender to receive aa modification. This is Dual-Tracking by Pacific Union Financial , LLC. The document is dated on XXXX/XXXX/2016 and at that time pacific union had an application for mortgage assistance on file. My original application submitted to Pacific union for modification is dated XXXX/XXXX/2016. I have been in contact with them as well sending more documents because they claimed were not received. 

Again, Pacific Union Financial LLC is absolutely in the Wrong for filing a foreclosure complaint while my modification application is pending. Actually, my application has been in underwriting since XXXX/XXXX/16. I originally submitted my application on XXXX/XXXX/16 and been working with my lender the entire time. I request disciplinary action immediately against my lender for DUAL-TRACKING. Please see attached foreclosure complaint! 

This is my second complaint to CFPB against Pacific Union Financial LLC! I have been getting the run around from Pacific Union since my file complaint against them! Pacific Union does n't care about struggling homeowners in default and clearly are trying to foreclose even with a complete modification application PENDING.
I received a letter on XX/XX/XXXX from UMB Bank ( which was a surprise since I have online banking & e-statements ), which stated that my savings account was changing to dormant status because I hadn't done any transactions in 18 months. ( Bad that I didn't transfer to it, but good that I didn't use it! ) Anyway, the next day I logged into my account to transfer from my checking, and I see that they charged my savings account a maintenance fee of {$25.00} each month for the last 3 months! The furthest my statement history goes back is XX/XX/XXXX, and sure enough, UMB has been stealing {$25.00} a month from my savings account! 

Of course I immediately called the bank, and the lady in the Customer Service Department was nice, but she couldn't help me over the phone. She ended up getting my original location on the phone, which I neither work nor live near, and the lady said she could only refund the most recent 3 months, {$75.00} worth of charges. She was able to research it a bit though, and found out that UMB got rid of the savings account I signed up for originally, initially grandfathered my account, then ended up getting rid of the grandfathered accounts and put me in an account that had to have $ XXXX in it, or they charge {$25.00} a month. I asked her for a copy of this letter since I had never received it, and I can't look at my history before XX/XX/XXXX, but I haven't heard back from her yet, so I still don't know how long they have been financially raping me. 

I was in XXXX  for 16 years, and I am well aware of the greed of banks and their inflexibility when it comes to waiving overdraft fees. That stinks, but I get it at the same time. However, in this situation, I did nothing wrong, other than not logging in and looking at my savings statements. I'm sorry, but I TRUSTED UMB Bank with my money, and they decided to change my account guidelines and charge me a substantial monthly fee, then refused to give me my money back, and for that, I am repulsed. 

The lady at the XXXX XXXX location, I believe her name was XXXX or something like that, was only able to refund {$75.00} of the hundreds of dollars UMB stole from me ( I don't even know how much since I can't access my history ). 

Anyway, I would appreciate any help you can provide!
Purchased a XXXX truck from Kia Motors in XXXX, Oklahoma and shortly after that purchase the truck was totaled in an accident. Insurance paid the truck off and Gap Insurance made up all differences. While insurance was being processed and evaluated the truck payments were still being made. All insurance and Gap money was sent to Kia finance to settle loan and pay off truck in total including payment overage. There was an overage of funds as payments continued and were made after the accident of {$2000.00} that should have been refunded to the owner after settlement. Kia Finance in XXXX TX received those funds and posted them on XX/XX/XXXX from XXXX and XX/XX/XXXX from GAP insurance. Multiple calls were made to recover funds and no refund check was issued or cut until XX/XX/XXXX with a promise of 3-5 days in mailing. No refund check for the overage has ever been received as of XX/XX/XXXX. Kia customer service Escalation team suggested that we allow them to cancel the check and reissue and that process would take another 15 days plus 3-5 days in mailing. They added there was no way to expedite that process. They were also asked if they were paying interest on the money they have been withholding since XX/XX/XXXX. They answered no, they do not do that. I am pretty sure if the situation was reversed they would expect interest. To date we have spoken to 38 people in Kia customer service in 17 weeks, no check received, had 4 promise of call back and have received none. It has been 3 weeks since they say they mailed the check and none received and the process has been 18 weeks so far with no satisfaction. Now they want another 15 days to reprocess the check and 3-5 days to get it here in the mail. My confidence lever is zero in their ability to mail a check. These are horrible business practices and extremely horrible service. They got their money back in XX/XX/XXXX along with mine and I want mine back with interest. If they were an honest company they could step outside " normal '' policy and expedite the check with interest and apology..
I am a 60 % XXXX veteran. 

I received these services while hospitilized in a hospital far from a VA hospital and could not be transferd to the VA hospital. It was an emergency hospitilization. 

I had previously notified the VA about this.
I received a letter dated XX/XX/XXXX. The letter advises that I had not cashed my escrow refund check that was mailed on XX/XX/XXXX ( 6 months after we sold the home ). To date I have emailed, called and faxed to no avail. All I get is the typical run around when someone owes you money. They have more excuses than XXXX has XXXX. Its been 3.5 years and this company still hasn't mailed me my refund. I checked with the State of Colorado Treasurers Office to see if Loancare ( Mtg Co ) had turned over the money to them. Nope, not them either.
A collection agency First Credit Online has reached out to me about a debt that I do not owe, from a gym I closed my membership from 6 years ago. Because I am wary of them being an legitimate debt collection agency I asked them for their professional licence number and they refused to give it to me, saying " we can not give our personal information to consumers we are collecting a debt from ''. I 've called back consistently, and even though the number is based in new york ( XXXX XXXX, their office say they are in XXXX, New Jersey, but I get a consistent suspicion that they are working from offshore ( specifically in XXXX ). here is their website which looks slapped together : http : //www.firstcreditonline.com/
I currently owe {$6700.00} on my Wal-Mart MasterCard Credit Card and for sometime already I have been struggling to make ends meet and catch up with past due amounts. To date I have not received any options or program offers to assist me with getting back on track and clear any negative status.
I have sent two financial packets at the request of Fay Servicing @ XXXX XXXX XXXX because we were struggling to make monthly payments. No one calls us back or responds in way all the sudden we get a letter in the mail that our house is being foreclosed on, we tried to maks payments when we first started being unBle the full amount they would not except partial payment, in my opition Fay Servicing just wanted to raise the amount we owed knowing we could not afford them raising the monthly payments, then foreclsose sell to another family just to do the same thing. Can your company please help us save our home. Thank you The XXXX Family XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX
I contacted National Credit within 30 days via fax and mail I followed up and they confirmed they were still investigating the dispute The verification process had not been concluded nor a payment option offered before reporting to the credit bureau. This agency violated my rights to dispute and resolve the matter prior to reporting to credit bureau.
Creditor Name : XXXX XXXX XXXX Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : XXXX XXXX/XXXX  XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : Bankruptcy chapter XXXX-dismissed REFERENCE Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : Bankruptcy chapter XXXX-dismissed REFERENCE Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623
Over a month ago, i filed an dispute with Experian and advised them that reporting on my credit report that inquiries stay after one year is false. I advised them to delete the inquiries at the two year mark exactly.. Experian did not send back to me any results and the following inquiries are in my file : XXXX XXXX XXXX, XXXX Bank XXXX , XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXX XXXX, XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX card XXXX.
1 ) I uploaded a letter from XXXX XXXX XXXX XXXX/XXXX/15. The letter from ( XXXX XXXX XXXX ) reported my XXXX payment as a 30 day late. XXXX, Transunion have not corrected this information. I have never been late. 2 ) XXXX, XXXX XXXX XXXX XXXX, is reporting a {$8100.00} balance amount owed on Transunion, XXXX lien on my credit prior to reaching out and allowing me to discuss correct amount or work with rep to get to verify if it was even owed. This is not correct either.
I received a phone call on XX/XX/XXXX regarding this account that is being reported on my credit report. I asked the representative on the phone to please send me written verification of this debt including the dates that the debt was incurred. I didn't receive anything to that affect. I mailed a letter asking for validation of the debt again on XX/XX/2018. I haven't received anything regarding this account. I did some investigating and found that this account is more that 8 years old so I would like the creditor to validate or cease. I would like this creditor to remove this listing from my credit report immediately and cease trying to contact me about this debt that I believe to be well outside the statute of limitations.
I have been making my payment ( s ) on time for the past 13 months and my mortgage company is reporting to all ( 3 ) credit bureau that my payments have been late. I always submit all my payments on time. Due to the fact, my lender has been sold to another company they do not process my payments on time.
I initiated a 0 % APR balance transfer to my Citibank credit card. This included a 3 % fee on the balance transfer. As part of the promotion, I was told that I would not pay any interest on the balance transfer until XXXX 2018. What was not clear is that since I would be carrying a balance on my account, any additional charges ( ie, standard purchases ) would incur interest charges even if I paid the new standard charges in full. So for example, if I had a {$6000.00} balance transfer charge on my account and accrued additional charges of {$500.00} at a local retailer that month, despite the fact that I might make a payment of {$2000.00} when my next monthly payment is made, I 'm still charged interest despite the fact that my {$2000.00} paid for all the new standard charges and a big portion of my balance transfer. The fact that I would be charged interest on standard purchases ( despite paying them in full ) was not well explained in the marketing. When I called Citibank to complain this morning, I was told, " most people initiative a balance transfer and then do n't make any additional charges on that card so that they do n't get stuck in the cycle you are now in where you 'll need to pay interest every month until the account is paid in full. '' She was unable to do anything to help. Very deceptive.
Hello, I had a federal loan for {$10000.00}, last year I was going through a divorce and was n't working full time, just doing odds and ends to make money. It was a rough time for me. I was contacted by Navient and they suggested to put my loan in a deferment until I could get into a position to repay my loan. I have not heard anything from them since. 

Yesterday, I received a letter from a collection agency showing a balance of over {$25000.00}. I had no idea what it was for, so I contacted them and they told me that Navient had Consolidated my loans in XXXX and then charged my student loans are in XXXX. The woman told me the balance at the consolidation was {$10000.00}, yet when it was charged all the balance was over {$25000.00}. This entire time I have been under the impression my loans were being placed on hold. I am not sure where to turn from here. I have never been offered any type of payment plans like I have read about today. 

How can a loan go up so much in XXXX year? Is this even legal? I know when I spoke with them and they said they were going to put it in deferment status the balance was still right under the {$11000.00}. With no attempts to contact me how is this possible? 

Any help would be greatly appreciated.
This number keeps calling me. When I look it up I get XXXX. This group has a lawsuit agaInst me in XXXX XXXX I live in. We have a hearing next month. But I keep getting their call. I get it once or more per week and I do not answer it. I 'm actually on ssi and they are n't supposed to be able to take my money. I do n't owe them the money I owe G.E Credit which was for amazon. I was turned over to them by amazon while I was actually making a payment to amazon. I should have never been turned over to these people because I missed XXXX payment.
IN XXXX 2017 MY AUTO LEASE PAYMENT WAS DEDUCTED FROM MY BANK ACCOUNT. IN THE NEXT MONTH 'S STATEMENT I BECAME AWARE THAT THE PAYMENT DID NOT POST TO MY LEASE. I CONTACTED MY BANK AND THEY CONFIRMED THAT THE PAYMENT WAS NOT PROPERLY CREDITED TO THE LEASE DUE TO THEIR ERROR. THE COMPANY THEY USE TO PROCESS PAYMENTS SENT A LETTER TO THE LEASE COMPANY ( ALLY FINANCIAL ) EXPLAINING THAT THE LATE PAYMENT WAS DUE TO THEIR ERROR. ALLY CHARGED ME A LATE FEE AND CONTINUES TO REPORT THE PAYMENT AS LATE WITH ALL 3 CREDIT BUREAUS. I REPORTED THIS PROBLEM TO ALLY AND ALL 3 CREDIT BUREAUS. THE CREDIT BUREAUS DID NOTHING AND ALLY DID NOT RESPOND IN ANY FASHION. WHEN I CALL ALLY THEY KEEP TELLING ME IT 'S BEING LOOKED INTO BUT THEY WILL OPEN ANOTHER INQUIRY YET NOTHING HAPPENS. IT APPEARS THAT ALLY DOES NOT HAVE USA BASED CSR SO COMMUNICATION AND UNDERSTANDING IS NEXT TO IMPOSSIBLE.
I have contacted both XXXX XXXX and XXXX in regards to a negative account being reported in my credit files. I received a letter from XXXX dated XX/XX/2018 stating the account was sold to XXXX XXXX. Prior to this date, I received a letter from XXXX XXXX stating they provided verification of the debt, this is untrue. The information received did not have my signature therefore that is not validation. In addition, the letter stated that my credit reporting dispute is with XXXX XXXX XXXX. 

I am requesting for this account to be removed from all 3 credit bureaus, as neither company has provided me with validation that proves this is indeed my account. 

**Both letters are attached **