WillisBack/dataset-financial-user-claim huggingface dataset:
Since XXXX we have paid our equity loan on time up to including XXXX XXXX. Citizens Bank returned the XXXX XXXX payment stating the account XXXX is closed. When I called the bank, I was surprised to be referred to XXXX, a debt collection agency who then referred me back to Citizens Bank ( XXXX XXXX XXXX XXXX XXXX who said the account changed last year and is now in foreclosure and then referred me back to the collection agency. 

Last year we were in chapter XXXX bankruptcy and the mortgage and equity payments as NEVER included or an issue in bankruptcy and again we always paid on time. 

The issue is that Citizens Bank never informed us of the account change and continued to add late charges and penalties totaling {$2100.00} XXXX XXXX ( Citizens Bank ) stated that due to the bankruptcy reason, Citizens Bank could not contact us. I stated that every month the bank accepted our monthly payment and although we were discharged in XXXX XXXX, the bank made NO attempt to call, email or send a letter stating the account was changed. My attorney ( XXXX XXXX ) from XXXX XXXX XXXX XXXX XXXX wrote a letter ( XXXX XXXX, XXXX ) to XXXX XXXX, SVP Citizens Bank Mortgage Services. At this point in time, no one from Citizens Bank will respond or speak with me or my attorney regarding the negligence of imposing penalties and late fees. We are asking that the penalties and late fees be removed because Citizens Bank was negligent in not notifying us of the account changes and continued to impose penalties and late fees. 

On XXXX XXXX, XXXX, we received the FIRST statement which shows fees and penalties removed and also added back in on the same statement. XXXX XXXX ( Citizens Bank ) said this was a confusing statement and referred it to her manager to respond to me. After two weeks, I never heard from Citizens Bank and called XXXX XXXX who stated her office was busy and can not speak further until payment is received including all penalties and late fees. 
My wife and I feel extremely frustrated that the bank has made no attempt to recognize the negligence with the only response is to put our home in foreclosure. 

Attached are copies of the letters from my attorney 's office, bank statement, Debt collection agency, and foreclosure notice from Citizens bank.
Unable to access my account online. I reported this issue back in XXXX. When going to the website to login, I get a message that I am using a different computer, which is incorrect. I ALWAYS use the same computer. Their system wants to do additional verification steps. They request to send an ID code via either text message or email. If I choose email, the email NEVER arrives. If I choose text, the text message NEVER arrives. Both my email address and telephone number are correct. There are no emails in a SPAM box. There are no issues on my end. This company is simply incompetent and unable to fix their problems. When contacting this company, they simply reply with canned responses -- it is like taking to a brick wall. There is no real customer service. Only people who read back generic responses that have absolutely no value to them.
Tax debt was filed in my credit reports inXX/XX/XXXX and XX/XX/XXXX. The accounts have been paid and it has been over 7 years since the debt was filed.
This has been an ongoing issue for quite some time with Equifax. I have asked on multiple occasions that Equifax remove a public record that is appearing on my credit file. I have contacted the bankruptcy court who informed me that they did not furnish the information appearing on my credit report. Equifax informed me that XXXX provided this information to them. I have asked for proof of how they verified that the information reporting belonged to me.
This debt is not valid I was never notified about this debt and it keeps reappearing on my credit report
I received an accerlation letter in the mail. I owe less than 60days on the car. I actually owe XXXX which is one XXXX and one payment of XXXX. I pay the note everytime I get paid and I will make those last XXXX payments like I have setup to do with the lady at the XXXX number. Once the loan is paid in full which will be between XXXX 2017 and XXXX 2017, I would like my paid in full loan paperwork mailed to my home address XXXX, TX XXXX
On XX/XX/XXXX I applied for an auto loan with Wells Fargo. To my knowledge, the loan was approved. For the last three years, they have been taking the monthly payment from my checking account ( with my approval ). On XX/XX/XXXX I  received a letter from Wells Fargo Auto Finance indicating my loan had been declined. I contacted Wells Fargo and was told that " It might be an error ''. I asked for a letter stating that and was told that could n't be done. 

It makes no sense that three years AFTER the loan application AND taking the monthly payment, that I should receive such a letter. Nor does it make any sense that they will not put in writing that this is a mistake. 

I contacted the Office of the Attorney General for the State of Minnesota. They have sent a letter to Wells Fargo and strongly encouraged me to contact you as well. 

I 've included the two-page letter from Wells Fargo, dated XX/XX/XXXX and the first invoice I received, showing the first payment was due XX/XX/XXXX.
XXXX XXXX XXXX XXXX/XXXX has discharged a loan and it still shows on my credit report as 129-149 days late. the discharge is due to the fact that should have NEVER been enrolled into this school in the first place.See document attached.
For about 1 year this company has been calling me when I have excellent ( over 800 ) credit rating. Early on I set my smartphone to block their calls from : XXXX yet it still leaves voice mails which say they are XXXX XXXX XXXX XXXX XXXX and leaving their XXXX   number for me to call, which I have never done as that gives them the legal right to continue calling me ; however, they keep calling anyway. All my debt obligations are paid in full or the required monthly payment with no late charges and most are auto- paid. I am not overdue or behind on any payments & have been current for decades. Whatever reason they continue to harass me I believe are unfounded. 
They have called several times each month. I am not certain as to whether they call my home ph. # XXXX or my cell # XXXX   as all my home ph. calls are transferred to my cell phone. Both of these phone numbers are unlisted, non-published and restricted. I figure if this company is really legitimate they can mail me a notice of the debt claim ; however, they never have. I have not been reporting their number previously as I didn't want to take the time to do so ; but would appreciate your help in getting them to stop calling and leaving messages when I believe they are unfounded. Thank you. XXXX XXXX
Jpay is an organization that processes EFT money transfers to inmates. They have a captive audience in a cornered market, so they charge fees accordingly. They charge 18 % per transaction, which is highly disproportionate to the cost of processing the money transfer. These fees are charged to a disadvantaged consumer group : families of inmates who are likely to be financially struggling to get by. I feel it 's a predatory practice and it needs to be stopped. I 'm not even sure who regulates JPay, but the money transfer section of the company needs to be reviewed by the CFPB. JPAY has already been called out and regulated on for predatory charges for phone calls -- upwards of {$14.00} for a 15 minute call. Now the money transfer side needs work.
I joined Ally Bank on Thursday, XX/XX/XXXX and proceeded to set up a direct deposit with them. On Friday, XX/XX/XXXX, I received my first deposit for the amount of around {$140.00} ( dont know specifics because unable to access the account ). Ally has a policy about only sending debit cards after a deposit is made to the account and it takes around 10 days. I figured, since they are a member of the XXXX transfer system, I could then proceed to move my money out of the account to a family members so I would have some money in the meantime for food and transportation costs to my job. However, during the process it said that I had no security questions ( which I did ) and that I needed to call them. I called them and was asked to confirm a multitude of questions some such as the regular Social Security, Date of Birth, Address, Security Questions, etc but also ones such as what is your hair color what is your mothers first name where was your social security issued. I know the answers I provided to be true as I would know my own identity, but was told I would be locked out of my account and would have to send my ID and SS, front and back, to XXXX ; attention XXXX. I proceeded to do this the same day ( Friday, XXXX XXXX ) about an hour after this phone conversation. I understood it was the weekend and might take up til Monday or so. On Monday ( XX/XX/XXXX, I called and to my suprise the back office where it needed to be reviewed was closed due to veterans day. Ok, no problem..So I call Tuesday ( XX/XX/XXXX ) and was told it would be reviewed either today or tomorrow. I again wait patiently. On Wednesday, at around XXXX, I still hadnt heard anything and proceeded call them to be told it would be reviewed later that day, and I would be receiving a phone call. I didnt hear anything. I call them today ( Thursday, XX/XX/XXXX ) and am told the same thing I have been told now for days, that it will be reviewed that day and I will recieve a call. I am getting very frustrated as I am out of money for my transportation, I have no food at my home, and am now struggling just to get through the week because they will not review my account. I told them they had told me it was supposed to already been reviewed and they seemed to not care at all, nor wanted to attempt to prioritize it. It will be a week that I have not had access to my account as of tomorrow.
In XXXX of XXXX I purchased a mattress from XXXX total cost was around {$2800.00} and was offered a promotional 0 % interest credit card promotion from Synchrony Financial formerly GE Capital. I also set up automatic payments and e-bills rather than paper bills. In XXXX of XXXX my promotional offer ended and I was charged differed interest at a 29.99 % rate in the amount of about {$960.00}. In my ignorance I did not realize that my promotional rate had expired until a few days ago. I found not only was I charge the XXXX but had been charged interest a 29.99 % of the new total balance for the past 6 months. I did not understand that this was a differed interest rate or should I say I misunderstood. So overall I have now been charged a total of XXXX in interest so more than half of the original cost for the matters. I believe that these differed interest rates deals are deceiving and in some cases predatory. They were once outlawed but stores and companied lobbied for them and congress created a loop-hole in the system. I have found many more who have been duped with this deal and I want to make others aware. If you have any ideas as to how I could reverse this I 'd appreciate it.
I recently received a letter stating that I owe {$930.00} for an old XXXX account that I had going back almost 10 years ago. I recently received a letter stating that I owe {$930.00} for an old XXXX account that I had going back almost 10 years ago. I had this removed from my credit report just about two years due to them not being able to provide any sort of proof of the debt within the 30 day time frame and the collection agency recently switched the name of their company from XXXX  to Convergent and now they are threatening to damage my credit if I dont pay the amount listed above even though the debt is way past the statue of limitations. Please investigate this matter
I sent a dispute to TransUnion based on inaccuracies being reporting by XXXX XXXX XXXX XXXX. The account was set up on automatic deduction and the credit union failed to take out. I spoke with representatives from the credit union who asked me to send a dispute to TransUnion and when TransUnion contacts XXXX XXXX XXXX XXXX, ( Creditor ) they will request the information be corrected. TransUnion deleted the account, along with XXXX other accounts I have with XXXX XXXX XXXX XXXX. XXXX account was paid in full with a perfect payment history, and the other XXXX accounts are being paid, with a perfect payment history. A total of XXXX accounts were deleted, due to Trans Unions error and has affected my score and my ability to secure a mortgage.
I found out there was a judgment placed against me for a CC account that I never opened. Upon finding out about this judgement, I contacted the circuit court, who gave me the information of the company who filed the judgement. I finally tracked down the original company ( XXXX XXXX XXXX XXXX ) who took the account with hopes of collecting the defaulted funds. Through constant communication and filing an ID Affidavit with there company, XXXX consented verbally to XXXX to remove the fraulent account from my record. XXXX sent written correspondence for XXXX and Experian to do the same. XXXX also notified both agencies to inform them that the accounts were removed on my other reports. I, too, sent correspondence letting XXXX and Experian know as it was suggested that I do so to ensure that my credit reports reflected similar, accurate data as much as possible. XXXX reviewed the info and removed the account from my report. Experian has refused to remove the report although I have provided them with the same information I gave to XXXX, XXXX, and XXXX proving that this judgment should have never appeared on my credit reports. I do not feel like I 've received serious or effective assistance from Experian in a manner that effects my current and future livelihood.
XX/XX/2016 I closed my First Tennessee checking account as no matter what amount I had in the account they found a reason to still charge me for the checking account. Then XX/XX/2016 a direct deposit was sent to this account. Instead of rejecting it, they put it in my closed checking account and then, started charging the closed account, my home equity yearly fee, checking account fees plus a bundling charge. I did not know this until 2 days ago they sent me a email regarding my home equity acct. otherwise I would not have know this had happened.
My name is XXXX XXXX XXXX, I had gotten behind on my mortgage in XX/XX/XXXX, due to some unforeseen family expenses. I called Wells Fargo and set up a repayment plan to bring my mortgage current. After three months and speaking with XXXX different Wells Fargo Representatives ( XXXX XXXX & XXXX XXXX ), I was advised to discontinue the repayment plan and submit an application to be reviewed for a loan modification. Following their instructions, I submitted an application for loan modification discontinued the repayment plan. In XX/XX/XXXX, Wells Fargo denied me for a loan modification. They stated that because I had already had a modification, I could not have another, ( that was five years ago ). since then I have been trying to work with them in hopes of bringing my mortgage current. After that decision I continued to try to work with Wells Fargo to bring the mortgage current and in XX/XX/XXXX, I was working with my HPS ( Home Preservation Specialist ) ( Wells Fargo ), his name ( XXXX XXXX ), who indicated that he would continue to post my payments for me until I could bring the account current, by this he meant making XXXX payments, or adding additional monies each month until my account was current, ( he gave me 6 months to complete this task ). XX/XX/XXXX, the IRS placed a block on my bank account which held up my funds from being debited from my account. XXXX XXXX assured me that once the block was lifted, he could then post my payments. In the meantime, XXXX XXXX was transferred to another department, and the new person is not recognizing my current situation. The new specialist ( XXXX XXXX XXXX, will no longer acknowledge the agreement that I originally had with XXXX XXXX. I am trying to bring my account current, and keep my home from foreclosure. In the last 3 month, I had to discuss my account with XXXX different representatives each one giving me different advice as to how to bring the mortgage current, no one is accepting my payments that are still in the bank to be applied to my account, if payment were accepted I would not have to deal with this matter. At this point the monies are still in my account, but Wells Fargo will not accept any payments from me. The representative has indicated that at this time the account is 7 months delinquent, if they accepted the payments, I would only be 3 months behind, I could then bring my account current. They have as of XX/XX/XXXX placed my home in foreclosure. In a good faith effort to resolve this matter, I am able to make XXXX payments to help bring my account current, which they will not allow. I am very confident that once my account is brought current that I will be able to resume making my monthly payments in a timely fashion. I am simply asking that they assist me by giving a modification, or allow payments to be accepted, bringing me out of the foreclosure status. 
Thank you for your consideration.
I wrote XXXX, Experian and XXXX in XX/XX/XXXX and XX/XX/XXXX about an account that has been on my credit report from XX/XX/XXXX for an amount of {$1700.00}, this account has an account status as closed and it is now 21 years since this account has been there and I was not aware of this account until recently when I tried to get my credit report and it was pointed out to me.
I have tried reaching out to XXXX, XXXX and TRANSUNION with regard to NUMEROUS incorrect names and addresses on my credit report! I have made phone calls, as well as sent certified letters. I have been unable to get this resolved after multiple attempts to dispute. I have even had to do my own freeze on my accounts until this is fixed! They have me listed as names that I have NEVER, ever used. I had ONE name from XX/XX/XXXX to XX/XX/XXXX and from XX/XX/XXXX ( when I was remarried ), I have used ONE name. In addition, there are MULTIPLE addresses on my credit report! I have never resided at those addresses! This is putting a significant amount of undue stress on me as we have just acquired property AND is in violation of 15 U.S.C. 1681 and they are REQUIRED by the FCRA to have properly verified the accuracy of items listed on my credit report! Please help with this.
On XX/XX/18 I contacted Preferred Collections Management regarding an open delinquent account of {$100.00} that showed on my credit report. I have never received notice of this debt via written notice OR phone calls from the creditor. Preferred Collections Management indicated that 2 weeks prior to my call on XX/XX/18, they had returned the debt to the original source and could not accept my payment. They told me they reported this closed account to the credit reporting agencies. Today, XX/XX/18, I contacted Preferred Collections Management again who advised they did not show any open accounts and this was once again reported to the credit reporting agencies. I then contacted the original creditor, XXXX XXXX XXXX XXXX who advised they have never received this account back from Preferred Collections Management. They are unable to accept payment from me as they do not see the account in their new system. Therefore, I am unable to pay this and dispute it with XXXX. This is negatively impacting my ability to apply for a mortgage.
companies refused to close bank accounts for three months or more after repeated requests and repeated XXXX balances. sometimes these banks claim pending acount activity when there is none.They refuse to cease all auto drafts of said accounts.This really needs be reported to ftc. They dont want the complaint.
I have contacted Chase multiple times to file a claim for reimbursement for a Rental Car Auto Accident. I have had a pending claim since XX/XX/2018 and every time I call the claims company handling it I am told a representative will contact me in 3-5 days. No one has every contacted me. I have submitted all the requested documents to support my claim. The accident occurred in the XXXX XXXX and I am unable to obtain any more documentation other than what I have submitted which I believe is more than enough. The car rental company do not have individuals who communicate in English as they are all XXXX speakers. My requests for a cost matrix was met with confusion. I have followed up twice in XXXX and once in XXXX and still this issue has not been resolved. I have the Chase Sapphire Preferred Card which includes Primary Rental Insurance. Chase is not meeting their obligation to cover this claim. I can be reached at XXXX or XXXX. The claim number for XXXX   online ( Chase 's third party service ) is XXXX
CitiBank unilaterally took {$10000.00} from my XXXX  XXXX XXXX bank account on XX/XX/18 and put the money in my credit card account. 

I discovered this on XX/XX/18. I called them and the customer representative told me that they were aware of this, that a ticket has been created. Yet I was never informed nor had they made any effort at that point to return the money. 

I asked for the money back and she said that they would pay me back in 2 business days. Okay, I thought. I have time and will be able to make my mortgage. 

Today, XX/XX/18, a week later, the money still has yet to be transferred. 

I called Citibank again and asked for my money to be returned. The customer service rep said it would take another few days. I asked for the money to be wired into my bank account today because my mortgage is due and he said he could not do it. 

I asked to speak with his supervisor. XXXX got on the phone and informed me that it would take 2 business days for my money to be transferred. I asked for the money to be wired today. He said that he could not do that because he had to follow protocol. I asked if it was protocol for money to be stolen from customers accounts. No. Then, you dont need to follow protocol and return my money. He said he could not do that. 

I asked why it wasnt returned in the 2 business days as I was promised. He said because the money went into validation. I asked why I wasnt informed. No answer. He said it went into validation because it is a lot of money. I said, clearly I know it is because I need to make mortgage and I cant. I asked for compensation so I could pay my mortgage. He refused. He said they gave me extra award??? I dont think extra awards are going to help me pay my mortgage. 

I asked to speak to his supervisor, someone who could authorize my money to be wired today. He said he could schedule a call in 24 to 48 hours. 

I screamed at him to give me back my money. He hung up on me. 

I called back and spoke with XXXX XXXX. She said that she could not tell me when the money would be returned. That it is in approval. They would inform me when it is out of approval.
Receive continues calls from Professional Bureau Collections of Maryland. I told them I could pay off the debt in XXXX because I was XXXX from the XXXX. They keep checking how much I have on my credit cards and telling me to barrow money. Today at XXXX and XX/XX/XXXX I informed them that I could pay it off in XXXX once I receive my final check. I am constantly being harassed by them and I have not refused to pay at all.
i was added to my husband XXXX XXXX XXXX 's account at Kohls department store as an authorized user a few months ago. He had a high balance when i was added. The next month i asked to be taken off account as a user because the balance showed up on my credit account and lowered my score. They took me off the account. It still shows a high balance of XXXX on my account as an authorized user on credit reports. I have since in the last few days opened my own account at Kohls in which it does not show up yet. But i want my husbands account balance off my credit report - please.