WillisBack/dataset-financial-user-claim huggingface dataset:
I have been using XXXX XXXX Bill Pay to make payment on my loans with American Education Services for a number of years without issue. XXXX in a row AES has failed to process the payment correctly. Their proof of payment process takes XXXX business days, during which they continue to call, email and send letters to you and your co-signer. They have no way of processing it faster or putting your account on hold or in a disputed state to at least temporarily halt the calls, emails and letters. The only way to halt the calls, emails and letters is to make an additional payment. If you do n't it may negatively affect your credit score. Emails they send come on the weekend when there is no service agent to talk to.
It was a Sunday morning before XXXX MCM debt collectors called me about my father 's account which I have no business with
I was a victim of Hurricane Florence and the Tropical Storm that occurred in North Carolina. I informed each of my credit card companies that my job had us out of work due to the damages that occurred and that I would not be receiving any paychecks. I was still charged excessive fees and they did not work with me, but broadcast on their website that they care so much about the victims affected. I am unable to pay the fees that were charged back to these companies. I can take care of what I owe personally but the fees need to be forgiven so that I can get back on my feet. My credit score has dropped terribly because of this. The representatives are cold and inconsiderate and always state that there is nothing that can be done.
On XX/XX/2018 sister transferred {$100.00} to checking account. On XX/XX/2018 {$100.00} transfer deposit was pending and {$110.00} funds were now available. I went to branch on XX/XX/2018 where teller checked account balance showed {$110.00} funds were now available. I withdrew {$100.00} from checking account. Wells Fargo Bank delayed deposit of {$100.00} until XX/XX/2018. Wells Fargo Bank charged account {$35.00} service charge on XX/XX/2018. I requested {$35.00} service charge be reversed. Wells Fargo Bank refused to reverse {$35.00} service charge
Greetings, I have been trying to get a loan modification for the past 5 years. I have tried to work with lawyers and the bank. The bank was mailed a check in XXXX of 2010 and they returned it. I called and offered them XXXX in a cash wire transfer and they refused and hung up the phone. Not just once, but twice!! They got a payout from taxpayers to save their businesses when I did not. Is n't anyone going to stand up to these thieves. They lost my paperwork and I have been fighting them in court for the past several years. I saved MY hard earned money to put down XXXX % for my house. I built it. They do n't care but it 's my last investment. I DEMAND that they follow the law and give me the home loan modification. 

Chase bank needs to be held accountable. If I went down the street and stole a purse, I would be in jail. Chase bank gets to pay a fine and business as usual. 
I will be contacting my Congressman. I vote. I mean it. I 've had it and so have the rest of the American people. 
I want that home loan modification that I deserve today! 

Thank you for your time and attention. At least we have this agency to stand up for what is right. XXXX XXXX
Ditech has obtained my XXXX mortgage ( Home Equity Line of Credit ) which has a balance of {$30000.00} and at a current interest rate of 4.1 % for 180 months and sent me a payment due on XXXX/XXXX/15 in the amount of {$270.00} I ran an amortization of that amount and the payment should be {$220.00}. I contacted Customer Service and spoke with XXXX on XX/XX/XXXX and got no response. I contacted XXXX on XX/XX/XXXX @ Ext XXXX and was promised a response ASAP and no response I contacted XXXX on XXXX XXXX and still no resolution. I contacted XXXX on XX/XX/XXXX and she said she was sending an email to XXXX and her supervisor and I should hear back that day for sure and NO RESPONSE.
XX/XX/2018 Standard Mortgage delivers check in amount of {$1100.00} to XXXX XXXX XXXX for annual hazard insurance payment. Paid out of my escrow account, which was " fat '' because Standard Mortgage had been collecting more than was necessary to cover T & I. On XX/XX/XXXX the check is redeposited in my escrow account. No further action to pay property insurance taken. All this is evident by reviewing my account online. 


Today, XX/XX/XXXX, I received an email notice from XXXX XXXX that tipped me off on the problem with payment. XXXX XXXX says the check was unauthorized. Now of course the insurance company wants me to pay the annual premium ASAP plus the returned check fee. 


I do not know why the check from Standard Mortgage did not issue a valid check to XXXX XXXX. I have never missed a payment and have been a customer of theirs for 17 years. I currently have 2 houses mortgaged through them. 

My biggest issue besides the " bad check '' is that I was not notified and there was no followup action to cut another check to XXXX XXXX.
I have a collection account being reported on 2 of my credit reports by XXXX XXXX. I sent XXXX XXXX a letter and mailed it certified letter return receipt # XXXX on XX/XX/2018, which they received and signed for on XX/XX/2018. To date, XXXX XXXX has not responded to my written request nor provided me with any validation for alleged debt. I have been forced to file an Identity Theft Report - Report # XXXX with the Federal Trade Commission because XXXX XXXX is reporting this false debt on my credit reports and has not complied with the law regarding The Fair Credit Reporting Act.
I recently looked at my credit reports and noticed that Sears/CBNA XXXX reported negative marks Paid, was past due 30,60 days late on my reports WITHOUT ever telling me they were going to report them. I believe this is incredibly unfair and had I received the federally mandated notice to me, I would have paid on time. 
According to the Fair Credit Reporting Act Section 623 ( a ) ( 7 ) ( A ) ( i ) and ( B ) ( i ), they has a responsibility to provide a notice furnishing of negative information, in writing, to the customer and that this notice is to be given to the consumer prior to or no later than 30 days after furnishing the negative information In fact, the Federal Reserve even created a published form so that creditors can be in compliance. 
Here is the compliant verbiage : We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. 
In short, I never received such a warning notice! 
I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 
I attached a copy of the law and the actual document from the federal reserve
I have no knowledge of the a debt thats being reported on my credit report. I 've disputed this asked for verification of the debt and with no response from the company, I called the listed original creditor and informed them and was told I must contact NCC, no one will give me information, I filed a police report and disputed with CRAs, this is ruining my credit and its not my debt! When I call NCC I constantly get transferred and hung up on when they realize im not paying a 2k+ debt that is NOT MINE!!!
I entered the Capital One Branch located at XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX. The teller XXXX XXXX was very rude and had a delayed response in assisting me to cash a {$16.00}. Ccheck from the XXXX. The brach was not busy as a matter of fact I placed my Driver 's License and Debit Card on the counter. It took the teller over XXXX seconds to finish drawing cats on her notepad before she preceeded to assist me. I advised her I wanted to cash my check. XXXX XXXX the teller stated where another teller and customer directly next to me could hear since you only have {$12.00} in you account you can only deposit the check. I advised the teller since she just violated my privacy rights by stating my available balance I want you full name, agent id # and I want to speak withyour manager so I can file a complaint with corporate. XXXX preceeded to state she did not have an agent id but isnt her last name on her card. I advised her since she wanted to be coy I woukd add ththat to my complaint also. Another teller assisted in getting the manager XXXX XXXX. XXXX was not aplogetic for her agent 's actions and stated im sure noone heard XXXX when she disclosed your balance. I advised XXXX other customers did hear her. XXXX offered for me to go into her office and I declined. I stated I would take my concerns with corporate since she did not resolve the mmatter. XXXX continued to argue and elevate her voice stating XXXX is going through a tough time. I stated I am also but you should never carry your personal problems to work. XXXX began to cry and thet advised her to go to the break room I said XXXX should cry because never would I treat a customer the way she treated me. I advised XXXX I have XXXX accounts with Capital One, an auto loan, credit card and checking account and never have I ever been treated with such disrespect. Another teller finished my transaction and my check was finally cashed. I am at the point that I want to pay off my credit card balance and close my credit card with Capital One because I know if I was not a young XXXX Woman XXXX XXXX would not have disclosed a white woman 's checking account balance. I was humilated and will never forget the belittling experience.
hsbc now has made it real hard to reach. i spent an hour trying to call XXXX. 
new phone system. then i got hung up on. then i was read a scripttheir call centers in other countries they barely can speak english such where when i tried to make a payment on my cc i could not since the representative did not understand english
I received a alert from XXXX stating I had a new collection account. The company never sent me anything to even find out if the debt was mines. On XXXX/XXXX/XXXX XXXX sold the account back to XXXX the original amount was XXXX. Now this new collection agency is reporting XXXX. It is against FRCA to change amount in order to publish on someones credit file. I do not owe this debt.
I revoked the Power of Attorney from XXXX. that I gave to them and asked that the Power given to XXXX be coveyed back to XXXX XXXX. Also Nation or XXXX has not responded to the QWR or the proof of claim i sent to them. Prior to this, I 've tried to work with them on many occasion to work it out for an affordable modification no luck at all
I received an attempt to take me to court by XXXX XXXX but I do not know if the account is true.
Cfpb case number XXXX follow up Closed loan XXXX/XXXX/17 recision date XXXX/XXXX/17 As of today have not received funds from State Farm closing attorney. 
I had to call and follow up to, get them to send funds, not sure why I 'm doing statemfarms job
I logged into my account today and notice there was a late charge on my account. I received an email from Capital One advising my payment had not been received - at this time I did n't know that Capital One had charged me a late fee. I called Bank of XXXX back in XX/XX/XXXX to inquiry why payment had not posted yet. The bank stated the credit card company rejected my payment and did not state why. After witnessing this late fee on my account, I contact Capital One to remove this fee. Capital One stated to me the fee will not be waive even though I have not had any late payments. I never call in and request anything from this Bank. I have received poor customer service. The bank does not care about their customers customers, no matter how loyal you are to the bank. I have been with this bank for years and I always have issues with the level of service. It has me serious thinking of closing out this card and going with another bank. It is not my fault the bank rejected my payment - it is on Capital One. Why am I being held accountable for their mistake. I called my bank and requested a letter explaining the reason for rejection. I was informed the letter can not be generate due to Capital One not giving a reason for this.
I was forced to file a complaint ( XXXX ) a couple of months ago because Chase bank failed to give me the British Airways points I was entitled to on my credit card. After you intervened, they fixed it. Now the same thing has happened on my XXXX XXXX statement. How many times do I have to go through this? I emailed Chase this morning and told them I would be canceling the card as soon as the annual fee again comes due if this were to occur yet again, but meanwhile, can you nudge them to give me the points I have earned? Thank you.
Collector calling my home at XXXX and XXXX in the morning. I am XXXX years old and this has been frightening being awaken in the middle of the night. I have had a couple of XXXX and really can not handle these harassing phone calls. I asked the person to stop calling me because this debt has been turned over to a debt consolidation agency because my husband passed away over a year ago and I am no longer able to handle that bill.
There are XXXX XXXX accounts listed on my credit report on which I was an authorized user in the past. I'm no longer an authorized user and I have requested XXXX to remove these accounts from my file since they do not belong to me. They keep reporting the account as Closed/Paid/Zero Balance.
I opened a Kohls Card and made one purchase on the date I opened it. I never received the card it was sent to XXXX XXXX XXXX, XXXX XXXX California, I reported this to Kohls, who said they would do an investigation and look at video and signatures. I received a letter with the account charges. None of the signatures match the original signature of the day of my first purchase. I just receive a letter dated X/XX/2017. Stating that an investigation was completed and no fraud was found. The signatures do not match, an I have not set foot in a Kohls store after my first purchase. I would like for this investigation to be completed thoroughly. Please look at the signatures! they are not mine they do not match the original when I opened the account.
XXXX, Experian, and XXXX has not provided the information I requested To Whom It May Concern : I am writing to file a complaint against XXXX, XXXX, and Experian. 
Over the past several months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with XXXX, XXXX to date.I am requesting your assistance in putting an end to this matter. 
I am requesting the removal of bankruptcies ( below ) on my XXXX credit report due to Civil Case No. XXXX, XXXX , XXXX, v. XXXX, I did not know the source of their information on those judgments and bankruptcies and due to this, XXXX has violated the Fair Credit Reporting Act ( FCRA ). Please remove these judgments and bankruptcies as soon as possible. Since this is a request and not a dispute, I would like to receive confirmation that all judgments and bankruptcies listed on my credit report has been removed within 15 days of the date on this letter. Your attention to this matter is greatly appreciated. They have yet to provide the information I been asking. I called XXXX and a lady name XXXX they do not have the right to obtain any information without my permission. 
I also sent a letters informing them that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 
They responded account verified without any proof. I trying to fix my credit situation and they are constantly giving me the run around, and are not providing the information I asking for. Can you please help.
I believe that citizen bank is knowingly commiting consumer fraud with advertising and offering overdraft protection. On the morning of XX/XX/2019 asi walk to work I check my account to find the insurance policy I recently purchase being debited from my checking account. This transaction made my account negative. Less than 24 hours I transferred money from my saving account to cover the transaction, however the bank had already charged the overdraft fee. What is overdraft protection for if the consumer still gets hit with overdraft fees less than 24 hours of a transaction even after covering the overdraft balance? The bank does not have the best interest of the consumer and I feel like they are fraudulently offering protection from overdraft and charging overdraft fees.
I have never lived anywhere except XXXX, Louisiana my entire life. There areally XXXX addresses listed that are n't mine.
THE BEST SERVICE COMPANY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX OR XXXX Partial account # XXXX Date Opened : XX/XX/XXXX First Reported : XX/XX/XXXX Address ID # XXXX Terms : 1 Months Original Creditor : XXXX XXXX XXXX XXXX Monthly payment : Not Reported Type : Collection Credit limit or original balance : {$460.00} Payment history : XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX is saying that the checking account was charged off and is listed as account closed on XX/XX/XXXX due to account abuse but I didn't ever commit such acts. They only paid for ( 1 ) EFT TRANSACTION MERCHANT : XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX CK # XXXX AMOUNT : {$340.00} DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX WAS OPENED AROUND XX/XX/XXXX AND WAS DONE COMPLETELY ONLINE. THEY BLOCKED MY ACCESS FOR SECURITY REASONS AND I HAVE NEVER BEEN ABLE TO USE MY DEBIT CARD NOR HAVE I EVER RECEIVED ANY MONTHLY STATEMENT FROM THEM. IT'S LISTED TWICE UNDER THE BEST SERVICE COMPANY DEBT COLLECTOR. THE 1ST ORIGINAL AMOUNT OF THE ACCOUNT WAS {$5800.00} AND AS OF XX/XX/XXXX THE AMOUNT IS {$7900.00}. THE 2ND ORIGINAL AMOUNT OF THE ACCOUNT WAS {$1200.00} AND AS OF XX/XX/XXXX THE AMOUNT IS {$1300.00}. THEY JAVE COMMITED FRAUD/UNAUTHORIZED SERVICES AND I HAVE IT ON MY XXXX   CREDIT REPORT AS SUCH ALONG WITH A FRAUD ALERT ON ALL 3 CREDIT REPORTS THAT I'M A VICTIM OF IDENTITY THEFT/FRAUD.
I had already spent over 10 hours with customer support at Bank of America.
I had opened an account on XX/XX/XXXX based on {$300.00} cash bonus if I deposit {$4000.00} into my account.
My account was opened with   XXXX   XXXX  , BofA,   XXXX   XXXX   XXXX  ,  XXXX , CA  XXXX .   XXXX   XXXX   XXXX  . (   XXXX   XXXX   XXXX , AVP ) Two direct deposit went into my account from my employer on  XX/XX/XXXX  and  XX/XX/XXXX .
My employer is   XXXX   XXXX  , I work for   XXXX   XXXX  , this is my Bank email address.
Presently your branch is in breach of a legal contract and misrepresentation.
This is a demand for immediate payment of {$300.00} by close of business Monday  XXXX / XXXX /2017 + interests + restituions of my time spent due to repetitive follow up with BofA where BofA was very blatant with non-performance in a timely manner and in showing a purposeful intent not to resolving open escalated complaints #  XXXX .
  XXXX   XXXX
I contacted BOA XX/XX/XXXX to let them know we wanted to short sale the home. I was told we had to apply for and be denied a modification first. I provided the requested documents, was contacted for more documents, and this cycle continued for five months. Despite sending in a requested letter of explanation on my situation in XX/XX/XXXX, and requesting a short sale, NOT a modification, my file remained in review for modification until XX/XX/XXXX. I 've heard multiple stories about the process to get this done and have received bad information, faxes and emails were " LOST '' phone calls NOT returned, etc., all to find out I am still in the beginning stages of NOTHING. All the while, I have a contract for purchase on my home that was signed months and months ago. Most recently, my real estate agent was asked to open a file in equator and when she attempted to do so, was unable to due to " lender placed property is already active '' error message. She reached out to BOA for help in getting access to my property in equator to move this along, and after several messages to XXXX people ( XXXX XXXX - XXXX ext. XXXX. His manager is XXXX XXXX - XXXX ), they still have not received a call back. The first message was left on XX/XX/XXXX ( SEVEN days prior to today ). I have also called the manager referenced above ( XXXX XXXX ) and have not received a call back. I have done everything in my grasp to make this situation right, and it 's dragging out longer every time I turn around. I can never speak to the same person at BOA and get different information almost every single time I call. With a check of the phone conversations ( which are recorded ) you can see the different stories I have been given. You can also look at the log of information BOA requested, and notice how quickly I have provided everything they ask for, sometimes more than once. The buyer who placed a contract on my home has to move from his current home XX/XX/XXXX. We are nearing that date and he is going to walk away if we can not make some headway here. This company is disorganized, lacking in basic knowledge and completely lacking in efficiency. I am seeking a manager or leader of some sort who can help me through this process. It has been over seven agonizing months of chasing my tail. While I understand a short sale can take time, unfortunately, I have n't even made it to that department yet due to sheer incompetence. Thank you for any help you can provide.
I have a student loan that was taken over by XXXX. With XXXX we agreed upon a 12 month hardship agreement that I would only pay XXXX monthly. My loan was taken over by Navient, who will not honor this agreement. According to XXXX Navient is supposed to honor any agreements previously made with XXXX and their clients. Navient is claiming that they do not have the appropriate information to honor my previous agreement, however XXXX that they have sent all of the information over. Navient is threatening to take legal action if I do not make settlement. Based on my current income, I am not able to make the large settlement payment that Navient is offering, and they will not lower the settlement option.