WillisBack/dataset-financial-user-claim huggingface dataset:
I am a Bank of America depositor with investments via their Merrill XXXX program. My wife is a joint acct holder on the BoA accts and has an IRA via Merrill as do I. BoA offers a Preferred Awards program for their depositors, which earn rewards at different levels for the different accts and amount on deposit, Gold= $ 20-50K, Platinum= $ 51-100K. etc. ALL of their published literature says the amount calculated is the COMBINED AMOUNT OF ALL ACCOUNTS, ON DEPOSIT WITH BOA AND MERRILL. 
Our joint check and MM savings totals avg ( 90days ) $ 25K, JOINT IRA= $ 3K, My IRA= $ 17K, my spouse= $ 38K, ALL of this totals over $ 51K, making us eligible for the $ 50K, or Platinum Tier level rewards. BoA says, not so, I am enrolled in Gold and My spouse is enrolled in Platinum as HER balances, ( which include our Joint Acct ) exceeds $ 51K, but mine do not. And HER Debit card earns rewards at XXXX level and Mine earns at a lower level ( rewards ) The BoA rep says accts can not be combined and ONLY Individual accts count! That is NOT what is published.
I paid to them a bill that was owed, but I was told I would received an email verifying payment and received written statement that this bill was paid in full. I have received NOTHING CONFIRMING my payment. Glad I paid by credit card.!!!!!! I want my proof I am PAID IN FULL!!!!!!!!
OnXX/XX/XXXX I made an {$150.00} ATM withdrawal at the Wells Fargo ATM branch near my home. The ATM provided me only {$100.00} so it was shot {$50.00}. I went inside the branch and was immediately advised it's not their fault and they have nothing to do with the ATM. I was instructed to leave and call the XXXX number on my card to be reimbursed. In addition I was also instructed to make a second withdrawal of {$50.00} to cover my shortage of {$50.00} from the initial withdrawal. Later on XX/XX/XXXX I called and filed a dispute # XXXX. I have repeatedly asked for a timeline when this will be resolved and have not been provided any date or timeframe for review. I have also asked for a credit of {$50.00} to be placed in my account while they review the dispute and this has not occurred. The branch advised settlement for Saturday takes place on Monday XX/XX/XXXX and they could easily verify that I was not given the {$50.00}. I've still not received my money back. Wells Fargo seems to place barriers to intentionally discourage me from receiving a refund or receive clear guidance on a resolution timeframe. The branch employees do not know or understand the policies of the ATM services group. Perhaps Wells Fargo intentionally keeps funds from certain ATM withdrawals in hopes that customers will not notice or pay attention. This is Unfair and Deceptive treatment of a customer who has never filed a dispute.
This medical debt that Account Service Collection Agency has been reaged. This debt occurred in XX/XX/2011 and was paid years ago. The debt has been reaged and the collection agency is unable to provide the original documentation of when the debt occurred and actual charges that were assessed. There are 4 accounts and 3 of them are charged multiple times ( 3 for XXXX dollars ). There were only two initial charges which was XXXX and XXXX dollars which were paid.
in 2009 we purchased this home The former owner XXXX XXXX ran a business from it. XXXX, XXXX for XXXX years I have received his mail. As of today he still has the business registered to this address under the state of Pa. I have found the business ID on line and researched it. The state refuses to change the address and claims XXXX XXXX XXXX must do that. This year I found a note in my credit report where I would make a consumer statement not under my employment info stating May own and operate a home business. I do not own oroperate any home business and never have
XXXX/XXXX/2015 I received a unknown call on my cell phone with a message left with a threat of a law suit from a law department ; the person calling did not leave there name or what law department they were calling from just the I needed to call Portfolio Recovery. The message stated I must call today to discuss or a lawsuit would be filed and delivered to my home or work between XXXX and XXXX on XXXX/XXXX/2015. I have not spoken to anyone as I received some strong messages from individuals in XXXX, XXXX, and XXXX leaving messages that warrant would be issued ... the message did not say by whom or for what ... just that I needed to call. The numbers were unknown and the tones of the individual leaving the messages were very strong and threatening like a scammer to take you information and steal your identity. I am very nerves as and scared to go to outside to my car or work.
I am a victim of identity theft and someone stole my identity and personal information to apply for a loan with Lend Up. The loan account was an unauthorized and fraudulent account. I never applied for a loan with Lend Up. I filed a police report with XXXX XXXX Police Department. The police report case number is : XXXX
Wells XXXX. Still no resolution. Wells clearly accepted a bid from an investor posing as an owner occupant. The property at XXXX XXXX XXXX XXXX, XXXX, NH XXXX was put up for sale as a bank owned property. Wells clearly did not follow it 's own advanced ownership policy and sold a property to an investor who has no intention of living at the property for the next 5 years. I bid over the asking price as a homeowner and was beat out by the investor, who by his own admission to the abutting neighbor, buys houses to fix them up and sell them. No one seems to care. It 's very wrong. This buyer should be fined and Wells should examine It 's process or remove claims of Community and Homeowner Support from it 's website.
Auto debit on Nelnet is not doing what it advertises and taking automatic debits from my account on the due date. I 'm not behind on payments but they put me in a status that is " no pay hardship kwikpay ' and I never requested that.
XXXX XXXX I set up a joint account for my mother and I. We needed a way to share funds because we are purchasing a house together. I signed up for an account online. I received an email stating I needed to send a bank statement to verify my identity, so I sent XXXX. I later received a call saying that was n't good enough because they tried calling my credit union to verify my information but the credit union would n't share information. Why call my credit union when everyone knows they 're not going to give out my information? Why ever ask for the bank statement in the first place if the statement itself was n't enough? 

So then they asked for more information. I clearly explained to the person on the phone that I was at a new address and did not have any bills at the new address yet and my license still had my old address. He said I could send a copy of my license and a copy of a bill for the current address with my roommate 's info and that would be sufficient. I sent XXXX items and did not get a request for any additional information. 

Then last week I got a check in the mail for my account balance and notification that my account was closed. When I called to find out why, they said the information was not sufficient. I asked why and they could not explain why because the notes did n't have any details. Then they said they could reopen the account. So I waited for a personal banker to get on the line, we went through my request, and they said I would be contacted within 1-2 days to let me know what information they needed to finish reopening the account. 

A week later I had n't heard from anything so I called back. After 10 minutes on the phone, someone finally said that I could not reopen an account that had been opened online. Why was I told differently the previous week? Why did I waste a week waiting for a phone call that was never going to come? They want me to start the process all over without being able to explain to me why the previous documents were not enough and what I can do differently to make sure the account opens correctly. They want me to risk wasting a bunch of time trying to open this account again. I have now wasted a month and a half trying to set up an account. A month and a half I could have been progressing on the house purchasing process. And all because Citi ca n't figure out what documents they want and how to do basic communication with a customer.
TD Bank has been locking me out of my savings and checking accounts if I do n't complete a transaction at least every 6 months. They claim the are protecting me by assigning the account an " inactive '' status. THEN, in order to get it activated, I have to call their XXXX number and fight with them to prove my identity. NO personal data, PIN, or ATM card number is sufficient ( SSN, DOB, account number, nor are ATM transactions, past checks, or other evidence acceptable ). ONLY an electronic debit of some sort is acceptable to prove my identity, OR a trip to a bank branch and a wait for a bank officer. Since I can not log in, I can not obtain that information, which, by definition has to be more than 6 months old Even though I get printed statements, they 're often buried in boxes, and finding the particular type of information -- if it even exists -- is darn near impossible. Their phone staff is adamant, however, including their Supervisors. Going to a branch is sometimes impossible if I am traveling in a city where they have no branch services. I have quite a few accounts with TD Bank, and in some, a fair amount of funds on reserve. Are they allowed to deny me all access to my funds because I have not used an account for 6 months plus 1 day? That seems illegal. Other banks that I do business with use a 1-year inactivity threshold, AND they are more reasonable and realistic and professional when dealing with them. I am an older person, and using my accounts less and less, so I think TD Bank is preying on older Americans for whom in-person banking can be a tremendous challenge.
There were multiple issues with this company. To start they called me at work. You can say my place of employment is one that would be considered unusual or inconvenient by the FDCPA because we answer emergency medical calls on the line they called. When I picked up the phone they said they were a law office trying to keep me from going to court to put a lien on my car. They also said they mailed something to my address ( my correct address ) and it was returned. I'm not sure why this one piece of mail is returned but nothing else has ever had problems. The debt they are coming after me on is well over the statute of limitations in the state of Ohio, and when I asked what this was for all they could tell me is it was a mastercard. My credit report is clear of any derogatory marks. I have spent the last 3 years monitoring my credit closely and taking care of any old debt on it.
I am in the process of looking to buy a home. This is why I pulled my Credit Report. I could not believe the information I found. There are several loans and accounts on my report that I have no knowledge of and I contacted each creditor and have not been successful in removing these items, the reps were rude and told me even if I had no   XXXX   XXXX   is reporting  XXXX  times as well. These are not my accounts! And I will not rest until I get results. This is preventing me from getting a home and I feel it is very unfair to have to pay for something I did not do nor had any knowledge of. These accounts are reporting in error. Please help me to resolve this,
XXXX XXXX as Car Dealer has done hard inquiries on my name without my permmission to : XXXX XXXX XXXX on XX/XX/2018 Ally Finance on XX/XX/2018 XXXX XXXX on XX/XX/2018 XXXX   on XX/XX/2018 Other ... 
XXXX XXXX on XX/XX/2018 XXXX XXXX on XX/XX/2018 2018
XX/XX/XXXX, I received, from ANDREU, PALMA, LAVIN & SOLID, PLLC, a photocopy of a NOTICE OF ASSIGNMENT OF JUDGMENT in my parents ' mailbox. Their document was dated XX/XX/XXXX. This document came via first-class mail and was enclosed in an envelope with another AFFIDAVIT OF ASSIGNMENT OF JUDGMENT, dated Tuesday, XX/XX/XXXX, for a Final Judgement in XX/XX/XXXX, when I was ten years of age. I tried to speak with a representative at this law firm over the phone about this matter but they demanded my Social Security number. I refused and they would n't proceed with the call. I know for a fact that this matter is either an intentional fraud or a hoax. They are demanding {$2400.00}. Again, I have no knowledge of this debt from XX/XX/XXXX, as I was only ten years old in XX/XX/XXXX.
I had refinanced my home XX/XX/XXXX from XXXX XXXX XXXX XXXX. XXXX sold the loan to Nation Star Mortgage. As per the original loan documents and private mortgage insurance disclosure, my PMI would automatically terminate XX/XX/XXXX. Nation star is refusing to honor the original document. Nationstar wants me to go for a new appraisal or wait till loan to value falls to 75 %. My decision to re-finance the home was based on number of factor and XXXX of the main factor was PMI. I refinanced from FHA loan to conventional loan to avoid paying higher PMI for a longer period of time. I have also attach the document that was given to me by XXXX, communication between Nation Star and me and the payment history. Request your intervention to get this issue resolved. I have always paid the monthly payments on / in time. I have never been late on the payments.
I got an loan from Advance Financial based in XXXX, TN. And I am inquiring if they can continue to charge me this outrageous percentage to pay them back. I told them I was in the military ( in the XXXX XXXX ) but they said I was fine and continued with the loan.
back in XX/XX/2018 I contacted this company sending them copies of affidavit that this debt was a result of identity theft I do not recognize this account and it needs to be removed from their records and any reporting agency that they have sent it too .... I have not been able to get a response ... then I mailed them again registered XX/XX/2018 I have had numerous accounts opened from fake addresses from my identity being stolen this is my last attempt to reach out before potential exploring potential legal ways to fix this problem ..
PORTFOLIO RECOVERY XXXX XXXX XXXX, XXXX, VA XXXX this is not my account this was a result of id theft i have sent many disputes with proof portfolio recovery constantly calls and harrassed me they do not care how late the call they also use robo call which is illegal i am trying to resolve this without going to court but if they do not remove the item off of my report i have no other choice than to take legal action
I have asked AES numerous times for ALL my loan records as one loan seems completely made up. The information does not match to any loan made by me. The date they started reporting it was XX/XX/XXXX. However, it shows it was opened in XX/XX/XXXX. I never opened a loan on that date. There is a whole 8 years gap of reporting, which is illegal. In addition they fraudently wrote it off for {$65.00}, XXXX and sold it. The other loans I did take out were open prior to that and did not exceed $ XXXX. They were reported in XX/XX/XXXX, than this loan for an absurd amount was reported years later. Their practices are illegal and false.
Currently my student loans report that I have over seven late payments during the XX/XX/XXXX-XX/XX/XXXX time period however they have been in good standing since the end of XX/XX/XXXX. This reporting on late payments is negatively impacting my credit score and is enabling me from obtaining a mortgage. I have emailed the CEO of Navient about the issue as of XX/XX/XXXX and have yet to receive a response or resolution on this issue.
The M & T online banking website was updated around XXXX XXXX 2016. The new online banking software would not allow me to login because the website requested my location. I have used my same laptop to login to this website since I had these accounts for around a year and a half. I have used this laptop for all my banking and bill paying and still do. I currently use this lap top to login to XXXX other online banking accounts and they all work fine. I have only had a problem with M & T online banking website allows me to put in my ID and password then gives me an error saying that I need to turn on my location services on my lap top. Why does M & T online bank services need to know my location now? Does it matter? This is the reason that it gives, for me not being able to login and transfer my funds. M & T login banking did n't need my location for the last year and a half. Not being able to login for this reason has caused me to be charged horrific fee 's. I had money in another account that should have been used to cover the debits and checks that I usually debit every month. This bank continually charged my account multiple times for the same incident for insufficient funds when I had money in another account, that had not been transferred. XXXX XXXX 2016, my system of banking was upset by the new M & T online banking software failing to let me login because it did not know the location of my laptop, when in the past it did n't need to know the location of my laptop. I have been a excellent account holder, never any charges for insufficient funds or anything, never. I have excellent credit. I am an educated consumer whom follows the rules and avoids fees and charges by the bank on accounts. I really think the M & T updated website was designed to create this location error so that they can get rid of consumers whom they do n't make much money in service fees. I would like to present my laptop to your bureau to show how they used this deceptive practice to extort money out of smart consumers. I worked for 40 years in the technical industry. I build computers. Please allow me to show you my laptop.
Comenity bank called me and the rep left a voicemail that says I need to call or they will sue me. Comenity bank is now trying to say that is not what the voicemail says. They offered a XXXX credit which I do not accept, and the gentleman by the name of XXXX said they have tried to call me several time and no he called me one time and I have since called and left 3 voicemails to discuss this further that he has not returned. I have saved the voicemail and this is not acceptable. I have had 5 different people listen to the voicemail and we all hear the same thing EXCEPT the creditor does not. Being threatened and then ignored has caused my XXXX to act up as well I have had XXXX XXXX from having to deal with this. I have filed complaints with the AG and BBB as well and I will NOT allow this company to treat me this way. I have attached the voicemail as well
Somebody cashed a fake check with a fake signature ( which the bank did not catch ), emptying my account and now Wells Fargo refuses to refund the amount stolen.
According to Equifax 's website, http : //www.equifaxsecurity2017.com/, my confidential credit information was stolen in the recent security breach. I am extremely disappointed with the way Equifax handled my information, which has put me at risk of credit fraud. I am also sorry to say that I was not even alerted to this security breach by Equifax, and had to discover it for myself on social media.
Perhaps this is just an oversight or result of high volume of disputes you receive daily. I highly doubt an agency that is responsible of maintaining accurate information would neglect to follow the laws that govern them on purpose. I am sure you will want to tend to my request as soon as possible.       Incorrect Name :   XXXX   XXXX   This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA.       XXXX   XXXX   XXXX   This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA.       XXXX   XXXX   XXXX   This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA.       XXXX   XXXX   This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA.       XXXX   XXXX   XXXX   XXXX   FL   XXXX   This address is incorrect and is not an accurate address for me. Delete this name for violating the FCRA.       XXXX   XXXX   XXXX   XXXX   FL  XXXX  This address is incorrect and is not an accurate address for me. Delete this name for violating the FCRA.      XXXX   XXXX   XXXX   XXXX  FL  XXXX  This address is incorrect and is not an accurate address for me. Delete this name for violating the FCRA.       Incorrect Social Security Number :   XXXX   This SSN is incorrect and is not an accurate SSN for me. Delete thi s SSN  and any accounts associated with it for violating the FCRA.      XXXX  This SSN is incorrect and is not an accurate SSN for me. Delete this  SSN an d any accounts associated with it for violating the FCRA.      XXXX  This SSN is incorrect and is not an accurate SSN for me. Delete this  SSN a nd any accounts associated with it for violating the FCRA.
After filing Chapter XXXX Bankruptcy in XX/XX/XXXX, I made payments to Ally Financial through the court trustee. The plan was completed and discharged by the court in XX/XX/XXXX, and the ENTIRE AMOUNT OF THEIR CLAIM WAS PAID IN FULL WITH INTEREST. However, while Ally acknowledged the amount paid through the wage earner plan, they are refusing to correct the account balance to {$0.00} as my other creditors did. I disputed this information with the credit bureau, and received confirmation from XXXX that the account information had been deleted and the matter resolved. However, I later discovered that rather than making the correction, Ally instead reported this tradeline as a NEW balance, dramatically impacting my credit score. I then contacted Ally directly to discuss the problem. Their representative, named " XXXX '' ( she refused to give a last name ), was extremely rude and made no attempt to be helpful, insisting that since there was interest that had not been paid, Ally would not report the account as a {$0.00} balance. I demanded to speak to her supervisor, XXXX XXXX ( not sure of spelling ), for whom I left a voice mail message. As of this report, I have not received a return phone call.
I 've disputed several accounts with Experian and even provided police report and ID Theft affidavit to help resolve the issue and Experian has refused to address the matter. They have failed to verify to accounts 100 percent and have only relied on an automated process. The following accounts are a result of ID Theft : 1. XXXX XXXX XXXX # XXXX 2. XXXX XXXX # XXXX 3 XXXX XXXX XXXX # XXXX
A company called Harris and Harris keeps calling our landline number saying we owe a debt. We do not have any debt and believe this is a scam call. Review online about the number calling us ( XXXX ) and asking we call them at ( XXXX ) indicates this is a scam company. We don't want to answer the phone or give any personal information. We'd like these calls to stop.
I have several loans under " Navient ''. I have NEVER signed a contract with Navient. They continue to harass me and my co signer.
They call every XXXX min at least XXXX per day.  I work during the day so I can't leave to pick up my personal cell phone everytime my phone rings. I have told this company before that it is to the point of harrassment since they call so frequently and NEVER leave a voicemail with this specific phone number. I have told them before to leave a message and I will get back to them when I am free.  But they have not honored my request.  They said it's an autodialer and they can't control it.  That doesn't make sense at atll!  I would love to call them every XXXX and hang up--see how they like it! Ridiculous!
XXXX XXXX XXXX does not have my debt statement due to a compromise of payment agreed upon in XX/XX/2015. This debt has been settled and dismissed.