WillisBack/dataset-financial-user-claim huggingface dataset:
During Key Bank 's takeover of First Niagara Bank, XXXX payments were made to my XXXX Sapphire credit card, each in the amount of {$12000.00}. 

This error occurred due to faulty information I was given by a representative of Key Bank at my local branch office on XXXX/XXXX/16, and exacerbated by their online banking site after the transition on XXXX/XXXX/16. I called the Bank and XXXX credit card company as soon as I noticed the error on XXXX/XXXX/16. I have subsequently made many call and have spent several hours on the phone trying to get my money back. At on point, XXXX agreed to return my extra payment electronically within 3-5 business days. This did not happen. Key Bank said they could refund my account, then work with XXXX to return the funds to them, but this has not happened either. I finally called my US Congressman 's office to enlist their help in getting my money returned, but even he has not gotten a satisfactory answer as to when my problem with be resolved. 

As this was a very significant error, my checking account had over an {$11000.00} deficit for two weeks. I had mortgage payments that became due and were not paid as scheduled. I had to move {$10000.00} dollars from my savings to my checking so that I would not have issues with my mortgages and monthly bills. As such, I am losing the small amount of interest on my savings. If this goes on much longer, I will have to dip into more of my savings which could bring my accounts below the level needed to have monthly bank fees waived. Although this is minor compared to still being out {$12000.00}, they are penalties I should not have to incur. I am very grateful to have the funds to transfer, but this situation is causing anxious days and sleepless nights for my husband and I. As XXXX we hope for a less stressful retirement.
On XX/XX/2018 my old roommate was contact by Nissan Motor Acceptance in regards to my wife 's auto loan. My wife did not use this individual as a personal reference and there was no consent to contact this indivudual. I work in the industry and I am fully aware of who can be contacted and who can not be contacted.
I had line of credit with bank of America. 
I requested some document under Act ( FDCPA ) to send all this information but XXXX XXXX XXXX XXXX XXXX saying on email this loan was sold to XXXX XXXX and not providing any document. I have court date with XXXX and Bank of America is my original creditor. I do n't have any sign contract with XXXX. still I send the requested to them but I did not send me any is bein more then XXXX date.
I sent XXXX, XXXX and experian a certified letter advising that XXXX XXXX mandated they remove ALL payment history prior to my bankruptcy chapter XXXX and there are MULTIPLE inquiries I did NOT authorize and would like them removed as well as payment history. All they did is add BANKRUPTCY FILED to my XXXX CLOSED ACCTS with XXXX then knocking my XXXX XXXX down XXXX more points. This bankruptcy was filed XXXX/XXXX/XXXX and XXXX XXXX/XXXX/XXXX. So to add that comment now after over XXXX yrs is irrelevant. AND REFUSE TO REMOVE INQUIRIES I DIDNT AUTHORIZE AND indicating I have XXXX student loans when I consolidated into XXXX in XXXX if XXXX. I have proof all XXXX credit bureaus received my certified letters with signature required. And have done more damage now to my credit.
I had a collection show up on my credit report that should not be there. I spoke with Hunter Warfield about a debt of {$1000.00} from XXXX XXXX XXXX. That is our old apartment complex but was never told that there was an amount due and all of a sudden it showed up on my report. We left the complex on good terms and now I am getting multiple calls a day from them in Florida demanding payment and threatening to notify my work that I have this collection.
In XX/XX/XXXX, I had lost my credit card ( capital one ) somehow purchases and payments were still being made. This person, has been pretending to be me since then, ( email addresses, social media profiles, my drivers license, and threats from the other victims ). I filed 2 police reports around that time when this first happened to me. 

I created a report to dispute many credit cards that were under my name with XXXX. In XX/XX/XXXX, I received a bill from Capital one saying I owe them over 8 thousands dollars I then created a report and started the process. However my investigator that was on my case, told me in XX/XX/XXXX, that everything has been resolved, and to ignore the bills that I keep receiving because the process takes a while. Once I received a bill I contacted capital one and they are saying there is no fraud, even when my investigator told me everything is good to go. 
I have called capital one for 3 weeks, no answer or no call back. He is the only one who can work with me. I tried to get help from others, but they told me only this guy can help me because he was working my case. 

I am in a situation where I have no idea what to do or proceed, if nobody from capital one will help me.
I have no access to my money on my rushcard. I have been unable to receive my money since the XXXX of XXXX. Rushcard systems have been down and I have no way of paying bills, buying grocerys, or getting around.
attachment : pg XXXX shows credit of disputed bill - pg XXXX new address and account # with disputed amount credited - pg XXXX previous account number will bill in dispute. ///// I disputed this bill and was given credit on my account. It was a move and transfer request that was fouled up by XXXX XXXX XXXX. The credit amount ( XXXX ) is not exact because of taxes or some other internal computer function, I suppose. Stellar Recovery also rounded to the amount owed as {$67.00}. 
When the issue was correct at the XXXX office with a representative I showed her the notice that it was going into collection but they did not follow through as they should have.
I was a victim of Identinty Theft and had numerous inquiries, accounts opened in my name and wrong information on my credit profile with XXXX, XXXX and Equifax. Several of the accounts that did not belong to me were already in collections and reflecting on my report. At the advice of my attorney, I filed a police report showing that these accounts did not belong to me. Then I proceeded to dispute them with all credit agencies and provided the police report. Within 30-60 days both XXXX and XXXX deleted all accounts not belonging to me. Equifax removed several accounts with the exception of XXXX in collections which I have desputed several times and they still report on my Equifax profile. I have called several times and they claim the information was verified with the creditor. However XXXX of the other accounts they did remove was with the same creditor. I questioned why that account came off and the other XXXX didnt if they all belong to the same creditor. No one would give me a clear answer and simply suggested I submit another dispute. I have been dealing with this issue for 8 months and I am not getting anywhere with Equifax and they can not explain to me why XXXX and XXXX verified the same info and confirmed these accounts dont belong to but they cant do the same. This is causing undo stress and it is preventing my family from qualifying for a home loan.
I DISPUTED A COLLECTION ACCOUNT FROM TBF FINANCIAL IN THE AMOUNT OF {$14000.00} THAT APPEARED ON MY REPORT IN XX/XX/XXXX. I DO NOT HAVE AN ACCOUNT WITH TBF FINANCIAL NOR HAVE THEY CONTACTED ME NOTIFYING THAT I HAVE AN ACCOUNT WITH THEM. I FOUND OUT THAT THIS COLLECTION WAS ON MY CREDIT REPORT AFTER BEING DENIED CREDIT. I TRIED CONTACTING XXXX TO VALIDATE THIS DEBT BUT I HAVE NOT GOT A RESPONSE. I HAVE DISPUTED THIS COLLECTION ACCOUNT WITH EXPERIAN MULTIPLE TIMES AND THEY GIVE THE SAME RESPONSE, " VERIFIED NO CHANGE ''. EACH DISPUTE IS COMPLETED BY EXPERIAN IN 2 DAYS, WHICH LEADS ME TO BELIEVE THAT THEY ARE NOT DOING A FULL INVESTIGATION. IN MY LAST ATTEMPT TO GET THIS INFORMATION CORRECTED I SENT A NOTARIZED LETTER ON XX/XX/XXXX ASKING EXPERIAN TO RE-INVESTIGATE THIS COLLECTION AND HAVE IT REMOVED. I CALLED ON XX/XX/XXXX TO FOLLOW UP ON THE RE-INVESTIGATION AND THE REP TOLD ME THAT THE COLLECTION ACCOUNT WILL REMAIN. I ASKED THE REP WHAT METHODS THEY USED TO VERIFY THE COLLECTION ACCOUNT IS ACCURATE. HE RESPONDED BY TELLING ME THAT IT 'S NOT EXPERIAN 'S RESPONSIBILITY TO VERIFY THAT THE ACCOUNT IS VALID, IT 'S UP TO THE CREDITOR TO DO THAT. I AM REQUESTING YOUR HELP TO HAVE EXPERIAN DO A FULL INVESTIGATION AND HAVE THIS XXXX COLLECTION ACCOUNT REMOVED FROM MY CREDIT REPORT.
Chase has outright lied to both their borrowers and ourselves. We recently submitted a short sale package for consideration to Chase and were called by XXXX at extension XXXX that the short sale had been declined as the investor required that the sellers live in the property to complete a short sale. One problem. This loan was originated as non-owner occupied and Chase has known this all along. XXXX had little to no information to give us ( honestly it would have been far better to have just sent the decline letter as he was totally worthless on the phone ), could not answer any questions ( or was told to lie ), became evasive when questions were asked and couldnt even tell us if the Chase was delegated on the file ( I honestly dont think he knows what the term means ), and if not, had it actually been submitted to the investor. Honestly, we have come to know Chase as a lender that spends little to no money on it loss mitigation department and are generally lied to on all of the files we submit to your company. The final comment that has driven this federal complaint was when asked, XXXX stated that they didnt have to offer foreclosure avoidance options. Here is what we would like to have happen : 1 ) Is Chase delegated on this file 2 ) Whom is the investor that owns the note 3 ) If note delegated, was this file submitted to the investor 4 )  Why were we told that Chase does not comply with California law and offer foreclosure avoidance options? 

This is yet another example of Chase breaking federal and state laws without any regard whatsoever to their investor, their clients, and their own employees. 

I look forward to your response, but have come to realize that the responses you send back rarely answer the questions at hand and often are fabrications of the truth. 

CC : XXXX XXXX, Attorney General of California
XXXX XXXX XXXX from XXXX XXXX, XXXX I told this company and Transunion that this inquiry was made without my knowledge. 

XXXX XXXX from XXXX XXXX, XXXX I told this company and Transunion that this inquiry was made without my knowledge. 

XXXX XXXX from XXXX XXXX, XXXX I told this company and Transunion that this inquiry was made without my knowledge.
Online Collections submitted a {$190.00} collection for XXXX XXXX XXXX and failed to send me any notification to my known address on my credit report for over 2 years. This is in direct violation of Federal Law. Since I never knew about debt they failed to disclose it to me by not sending me a 30 day notice before placing it on my credit file with caused adverse reaction to my credit file in which they are liable to the fullest extent under law.
I have been paying my daughter 's student loans for the past 20 years and I have never been missing a payment. Throughout the years I received notifications of the loan being sold to various service industries. The original loan amount was $ XXXX and change and after 20 years, the balance is $ XXXX and change. This is not right and I would like the consumer affair to conduct an investigation into the US Department of Education and its servicing industries. 
My daughter attended the University XXXX from XX/XX/XXXX to XX/XX/XXXX, I started repaying her loans immediately after. I am barely making ends meet, near the end of my life and do not think I will be able to payoff this loan, however, the number of payment I have so far made is double the original amount and I would really need an investigation to be made into the manner loans are being managed.
I have been receiving frequent calls from CommonWealth Financial Systems. Though initially I was unsure of who the caller was because I typically do not answer unknown numbers, one evening I decided to call back in an effort to halt future calls. Once on the phone with someone, they immediately informed me of a medical debt from 2012 that was never paid. I knew this was true, so when they offered me a price to close my debt out at, I agreed. I also requested a confirmation letter so I could have proof of closing out my debt, to which the lady I was speaking with agreed to provide for me. However, instead of sending me confirmation, she sent me an additional bill regarding other accounts I have with them. The problem is that I was led to believe that the large payment I made over the phone was going to close out my debt to them entirely, now they are telling me I still owe them. I never received a confirmation letter in the mail listing the payment I made.
I have a loan with CAPITALONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and CAPITALONE with no successful resolution. XXXX, XXXX  and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2016.
on XX/XX/XXXX I went to the XXXX, acct # XXXX, for emergency services. I did not have insurance at the time so I filed for charity care. i was approved for charity care to cover XXXX % of the charges and XXXX % of any future visits for the next 12 months. on XX/XX/XXXX I went to XXXX, acct # XXXX, for emergency services. i received a bill for this visit and i forwarded the charity care determination which shows XXXX to be responsible for XXXX % of the charges. I never heard anything else about this. XX/XX/XXXX I noticed a new collection item on my credit from AMCOL, acct # XXXX. I immediately disputed this as being paid in full. XX/XX/XXXX, I received a phone call from representative on behalf of XXXX trying to collect this debt again. I advised about the charity care and forward them over all documentation. They advised me this would be closed out. I then forwarded this to AMCOL who told me they would investigate it. Lastly I reached out to XXXX Billing who also said they would investigate this and have the account pulled out of the collection agency. On XX/XX/XXXX, I called to follow up and ensure this was removed as this is negatively impacting my credit. I was told by XXXX Billing that I have to re-fax everything again and they can not tell me a time-frame of resolution. I expressed my concern because every month this continues, my credit is being damaged. I then reached out AMCOL and spoke with a rep named XXXX who told me that XXXX advised that this debt is still owed and that they will not accept my charity care letter because the account number XXXX is not listed on it. I advised to the rep that Charity care states they do not have to add the account number to the letter because under XXXX XXXX it states that XXXX is responsible for all payments for future visits 12 months after the original visit, which this visit falls in that category. As of today, there is no resolution and no urgency to correct this. I have been going around with both companies while my credit continues to get damaged. AMCOL also tried to state that XXXX was only responsible for XXXX % and i had to explain that the handwriting looks like that but you can see where is says patient responsible for XXXX % and that it is truly XXXX % which charity care can confirm to both AMCOL and XXXX.
Credit acceptance refuses to remove the inaccurate account from my credit that they are reporting. This account has been paid and resolved. The remarks reporting are erroneous and devastating to my credit worthiness.
On XXXX/XXXX/2016 at XXXX EST I got a call in reference to my late car payment with Hunting bank from phone number XXXX. I paid the car payment hours earlier today and before the representative called. The representative started giving out my personal information including year make and model of my vehicle and past due/payment amounts before they had officially verified it was me on the line. They literally asked If I was ( my name ) I said yes, did not ask another question. If it had been anyone else on the line they would have continued the discussion giving out my personal information but I informed them I was upset and they told me that this is how they do business and they did nothing wrong. No apology or anything.
An attorney that I fired is trying to collect after being paid cash in full. I have receipts. 
Just as well, I was notified by Plus Four that the attorney was attempting to collect yet again and that they were going to place this on my credit. I advised that the debt was not valid by certified letter which I have copies of for this exact situation. 
When speaking with XXXX XXXX they were advised of my petition of Bankruptcy and the name of my attorney. The following day, they reported to my credit in a last ditch effort to unjustly collect on a already paid debt. 

Recording of phone call placed to XXXX XXXX, dated XX/XX/2016 @ 11:29am proves notification of bankruptcy proceedings.
I have been out of work due to illness, however I was able to meet my monthly expenses, even though it was difficult, with help from family and finding little work here and there. I heard about the XXXX program and decided to apply last year XXXX through my mortgage company. I was asked to submit certain documents and I did so in a timely fashion, fearing that by the end of the year this program was not going to be available any more Initially I received calls from a service representative requesting additional information. That was submitted immediately. When I stop hearing from my mortgage company I called for updates. Every time I called, I was told that the case was at underwriting and that someone will return my call. This never happen, However I kept calling every week for an update, of which I got the same response. At XXXX of the calls I was told that there was an missing document. The representative checked the uploaded file and found that the documents were already there. they proceed to put a note on the file to inform underwriting that all documents were in. On XXXX XXXX, 2017 I received a call from the mortgage company looking for the payment. So I asked for an update. I was told that the case is closed because they did not received the information on time. I believe I was ignored. That my mortgage did not make an effort to help in my situation.
Once I realized my credit had been compromised I went on a campaign to repair it one of the companies I came up against was National Credit Systems the original complaint came from XXXX XXXX XXXX XXXX to which I never lived at. I have been trying to get them to remove this from my credit report for years. It was actually removed from XXXX and XXXX for some reason it is still on XXXX. I didn't even get the chance to ruin my credit someone else did it for me I am trying to buy a house in the next two years and this is a problem. These people are rude I try to reach out them so that I can get the details of this account and they hang up or don't want to speak to me. I figure this is the best way so that we can take care of this once and for all.
This debt came about cause of a terrible court ruling in a eviction case in XXXX XXXX. I had been living at XXXX XXXX for two years. They had had several landlord changes. They all knew ahead of time I work out of town for the summer. There is several reasons why i believe this ruling was wrong. For one they had more then enough notice knowing i would be out of town. Cause they had tried to evict me and dropped it after i told them i had phone records to show they knew cause i had called them. Two by the Iowa calculation of time the rent was paid on time. I had a hearing in which my attorney did absolutely nothing to help me. And after the hearing i lost. i did some looking myself and found out the Iowa codes and appealed the case. The judge took about three months to rule. In here ruling in which see stated the wrong facts she ruled to up hold the original judge ruling but gave me my appeal money back. i was on a month to month lease so honestly by my lease agreement which XXXX XXXX has XXXX broke the lease. My lease agreement said rent was late after the XX/XX/XXXXand a XXXX fee was added. It also says that there was a dollar a day fee UNTIL rent was paid. The amount XXXX is trying to collect from me has the XXXX fee plus the dollar a day for each day after the XX/XX/XXXXin that month. I am unable to try to get legal help any futher in court. This collection agency knows this ruling was completely wrong and has evidence there to show it. They told me if i could show the ruling was wrong they would drop it. I did. Then he said they would drop all the over charges and they haven't. They just filed a false claim in court against me saying i was hiding not to be served. They have an attorney there XXXX XXXX so they should know the law and these ruling was wrong.
Here is the short version of my 2 complaints : 1 ) In the summer of XXXX in discussion with Citi rep about the  best way to lower my existing Citi mortgage, the rep suggested a loan modification given the fact that I no longer had 2 years of steady income. I went thru a 9 month horrifying process of repeatedly providing financial details which were repeatedly lost by Citi and re-requested. Citi account reps assigned to the account were swapped out 5 different times and each time it entailed new requests for same documentation. Each rep was never reachable by phone. The rep phone number rang into a call center in XXXX and they would schedule a call with the rep with an average of 2 week delay. The process is completely broken and truly feels like its designed to purposely dissuade people from continuing. At the end of the process they declined the request mainly because I was current on my mortgage and because they believed we had the ability to pay. Why wouldn't they have suggest a straight refinance? 
2 ) Worse yet, we are now being harassed by Citi. We have been and will continue to be current on our mortgage and Now have received a letter suggesting that we are approved for a shot sale. And if we want to " suspend foreclosure activity and accept this offer '' for short sale we must contact them at XXXX WHO ARE THEY KIDDING THEY ARE GIVING US JUST 2 OPTIONS ; A SHORT SALE OR FORECLOSURE. HOW DO THEY HAVE A RIGHT TO EVEN SUGGEST EITHER WHEN WE ARE ABSOLUTELY CURRENT AND ALWAYS WERE. THIS IS BULLYING AND HARASSMENT AND I WASTED 9 MONTHS OF MY LIFE I CANT GET BACK WITH THEIR LAME LOAN ADJUSTMENT PROCESS. 

I HAVE KEPT RECORDS AND I AM PREPARED TO TAKE THIS TO MY ATTORNEY AS NEXT STEP IF THEY DON'T IMMEDIATELY STOP SUGGESTING THEIR IS REASON FOR FORECLOSURE ACTIVITY ON A LONG TIME PAYING MORTGAGE CUSTOMER. 

PLEASE CONTACT ME