WillisBack/dataset-financial-user-claim huggingface dataset:
Mortgage Company ( recommended by our builder ) has now made XXXX hard inquiries on my wife 's and my credit report. We were under the impression that by signing the paper for them to pull credit, this would be done XXXX. The mortgage company is now trying to dictate the closing date to us even though the house is nowhere near completion. They are once again requesting excessive paperwork for the loan ( that has been provided now XXXX in the past ). I would only assume that since completion of the project is still almost 3 months out, they will again pull a hard inquiry on both of our credit reports ( lowering the score and we are both in the mid to upper XXXX ) causing the interest rate on the final mortgage to be higher for the next 30 years.
My mother passed away over a year ago and I have been trying ever since to get someone at Bank of America to act on documents giving me, as her court appointed personal representative, access to a small personal IRA she kept at the XXXX, Florida branch for many years. I have visited the bank XXXX times in total since my mother 's passing with all the required legal documentation and personal identification necessary to enable me to legally distribute the IRA 's contents to the heirs as stated in her will. However, to date ( XXXX XXXX 2015 ), I have yet receive anything other than a Patriot Act form that asked me to state that I was indeed a citizen of the United States ... a bit of information I have already submitted XXXX times. I have tried contacting both the managers of the XXXX branch and of the downtown XXXX office by certified mail only to have my letters returned ... unopened. I feel I have been more than patient in my efforts to get someone at Bank of America to act on a simple request for access to an account that I am legally entrusted to collect and distribute. Can anyone here help me?
I have a prepaid XXXX card through XXXX XXXX. I bought a product at XXXX XXXX. I loaded more money onto my prepaid card. I returned the product to XXXX XXXX because I needed to replace my refrigerator. I was denied the ability to purchase the XXXX $ refrigerator because my funds were frozen for 72 hours due to the returned merchandise. My balance per the phone line was over XXXX $ the returned merchandise was XXXX $ and yet the denied my XXXX $ purchase. I began an absolutely infuriating attempt to discuss the situation with Customer Service and have spent hours upon hours trying to identify who " handles '' the money flow for the XXXX XXXX Prepaid XXXX card. XXXX XXXX says it has nothing to do with the card. XXXX says they have nothing to do with the card. US Bank says they have nothing to do with the card. Customer Service says they only supply the card but do n't manage the money flow. Customer service also refuses to allow a caller to speak to a supervisor, refuses to identify their company name, refuses to provide an address to file complaint with. And in the end if you work at it long enough they finally offer to open a " dispute '' escalation ticket on your behalf with an assurance that someone will call you right back, which then becomes Within 24 hours and then with in 72 hours. They also presented a moving target on the actual reason for the hold, first saying the specific company was blocked and then when I attempted to make a purchase at another lumber store, was told it was the type of retailer, so then I went to a bank and was denied and they said no, it was my card that was blocked. But, pardon my diversion, back to the " escalation '' process which promised a call back from a " dispute resolution specialist '' who actually never called back until nearly XXXX weeks later within hours of me calling XXXX XXXX to express my frustration. 

My complaint/biggest concern is that this is not the banks money being advanced to me on credit, this is my money, placed on a prepaid card so that I can take advantage of electronic purchasing and manage my finances on line. Banking is a nearly instantaneous activity these days and customer service folks routinely fix issues immediately. But in this case not only is customer service a sham, but they are placing holds on money that is n't even in play. I would not have appreciated the hold being place on the returned merchandise that I bought and returned to the exact same place with the same prepaid card but I would have understood it 's policy and accepted it. However they blocked the entire XXXX $ plus that I had deposited on the card and prevented me from having any money or access to money for 3 days over a weekend when banks are closed as well. 

I believe that is nothing short of theft by fraud. And if and when I am ever able to get a straight answer about whose policy was acted upon, by whom, and under whose responsibility the money transactions on Prepaid XXXX Cards are conducted, I will likely file a small claim for the theft and value of the refrigerator I was unable to buy because all of my funds were frozen, not just the value of the returned item.
I have disputed this twice with TransUnion in the past year..

TransUnion continuously report ( s ) names I have NEVER used..

TransUnion continuously allows finacial companies ( banks, credit-card etc ) to access my information although I have NOT authorized..

The FTC spells out financial companies must have authorization for credit inquiries..

I have filed a fraud report with the FTC ( identitytheft.gov ) ..

I have placed a fraud alert on my account..
I left the country and moved to XXXX in XXXX. I visited the local Citi branch and changed my address to my XXXX address to receive my monthly bills. I was unaware that my card was being unpaid as I did not receive any of the mail. I have never been late in paying the card or any bills at all in my life until this move, I'm unsure why my mail was still sent to my former address when I went to have it changed and explained my move at the branch. Late reports were listed on XX/XX/XXXX & XX/XX/XXXX
Ive notified Experian via certified mail on numerous occasions requesting documentation to prove that the negative information being reported is accurate. With each request, Experian only sent me a credit report stating that the accounts were verified. The FCRA says that Experian has to provide me with the information used to verify the account in question. FCRA says its required by law to verify through physical verification of the original signed consumer contract, any and all accounts thats listed on my credit report. Ive demanded to see verifiable proof ( original signed contract with my signature on it ) of all negative accounts being reported. Experian has continuously ignored my requests & has continued to report the unverified negative information on my credit report. FCRA states that unverifiable accounts must be removed and if the company is unable to provide me a copy of verifiable proof, they must remove the account.
I saw that I have a collection from XXXX XXXX XXXX. I paid this and settled at least 2 years back. 

Thank you, XXXX XXXX
On XXXX XXXX, 2015 I applied for the US Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX and was instantly approved. I was charged the annual fee of {$75.00} soon after. At the beginning of XXXX, US Bank announced that as of XXXX XXXX the Bonus Award Nights feature would be gone. This kind of devalued the program by a half. 

Planning for a trip to XXXX in XXXX I decided to go for another US Bank Club Carlson Premier Rewards Visa Signature Card in order to get enough points before the Bonus Award Nights benefit was discontinued. I applied for the new card on XX/XX/2015. The application was then under review. 

I called the reconsideration line the next week. The agent said my application was turned down and all of my XXXX existing US Bank credit cards were closed as well. I tried to reason with him. He gave me a number of the security department or something to call. The XXXX agent rejected my appeal as well despite the fact that I have a clean credit report and I had been a customer of US Bank for a year. The reason she gave was that I had too many newly open credit lines and they thought I am too risky of a customer. 

I can not accept arbitration like this. If they thought I am too risky as a customer, why did they approve me in the first place? How could the rejection of a new application lead to the closure of all existing cards? The fact is I had a new charge card in XXXX and XXXX new credit cards in XXXX including XXXX US Bank credit cards ( more can be said about this ). All the other banks are fine with it since I always make payments on time. 

What I try to argue is that US Bank can not take my annual fee and then remove the card benefits that were promised upon approval soon after. Besides they can not close all my cards for arbitrary reasons two months after they take my annual fee.
I was shocked when I reviewed my credit report and found late payments on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never 30 or 60 days late in the months of XX/XX/XXXX or in the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
I am not sure how this happened. I have always made my payments on time to you when I received my statements. My only thought is that there was a billing error with my statement.
I made a deposit into the atm at Navy Federal on Saturday. My account receipt showed an available balance of XXXX after making it. As my account was overdrawn prior to my deposit because of a transaction i made before. I used my card a few other times because the atm said i had an available balance. I found out today i did not. Called in and asked for a manager i was given XXXX. She ended up hanging up on me twice after i asked to be escalated higher. She told me she was the only supervisor and i could not speak to anyone else before hanging up both times. I called a third time and spoke with XXXX and she gave me a Supervisor by the name of XXXX. XXXX was nice and helpful as possible. I do not feel i should be punished by overdraft fees for an atm error. No where on the reciept it showed only XXXX would be available. This was an awful customer service experience. Being hung up on when asking for more help and lied to.
this credit card charged off in XX/XX/XXXX and is showing on my CBR that the balance is {$0.00} however, Bank of America Contacted me on XX/XX/XXXX via email. below the the mail they sent : Bank of America XXXX XXXX XXXX : This is a reminder that your account ending in XXXX with a balance of XXXX has been charged off because of missed payments. However, you 're still responsible for making payments on the outstanding balance until it 's paid in full. What you need to do Please call us at XXXX Monday through Thursday XXXX XXXX to XXXX XXXX or Friday XXXX XXXX to XXXX XXXX Eastern to review payment options. We 'd be happy to assist you. If you do n't wish to discuss payment arrangements, please choose one of the following payment options : 1 payment of {$10000.00} 12 monthly payments plan ; First 11 payments of {$910.00}, 12th payment of {$920.00} 36 monthly payments plan ; First 35 payments of {$300.00}, 36th payment of {$310.00} 60 monthly payments plan ; First 59 payments of {$180.00}, 60th payment of {$180.00} Mail your payment ( s ) to Bank of America, XXXX XXXX XXXX, XXXX, DE XXXX. Be sure to write your account number on the front of your check or money order. What you need to know The law limits how long you can be sued on a debt. Because of the age of your debt, we will not sue you for it. We will also not consider any payments you make under this offer as extending or restarting the time we have to file a lawsuit. Questions? We appreciate the opportunity to work with you to help you resolve this debt. If you have questions, please call us at XXXX, Monday through Thursday XXXX XXXX to XXXX XXXX or Friday XXXX XXXX to XXXX XXXX Eastern. Visit us online This is an attempt to collect a debt and any information obtained will be used for that purpose. This account is issued and administered by Bank of America, N.A. Correspondence may be mailed to Bank of America, XXXX XXXX XXXX, XXXX XXXX, TX XXXX. Payments can be mailed to Bank of America, XXXX XXXX XXXX, XXXX, DE XXXX. This is a service email from Bank of America. Please note that you may receive service emails in accordance with your Bank of America service agreements, whether or not you elect to receive promotional email. Read our Privacy Notice : XXXX Please do n't reply directly to this automatically generated email message. Bank of America XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, NC XXXX Bank of America, N.A. Member FDIC. Equal Housing Lender : XXXXXX/XX/XXXX Bank of America Corporation. All rights reserved. This email was sent to : XXXXXXXXXXXX This is time barred debit and per FCR Bank of America sold the loan to a 3rd party and that party has removed the balance off my CBR - They should not attempt to collect.
Citi Cards is hitting me with 2 hard inquires for XX/XX/XXXX and XX/XX/XXXX. I should only be hit with 1 inquire as both were done on XX/XX/XXXX. The confusion is it took an additional day to process the other part. I have spoke to them on the phone around XX/XX/XXXX about the situation and they agreed to remove the Inquiry on XX/XX/XXXX. 

Since than I have noticed no changes and I have put in 2 separate cases/complaints about the matter which both have passed the 30 day rule. 

I than called up Citi Cards again and they were unsure what to do and could not find my agreements in the files. I just hope they follow there original agreement as I have been a good cardholder with there company and plan to continue to be.
On  XX/XX/2017    I contacted  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX , AND  XXXX   XXXX    XXXX    XXXX  in order to remove hard inquiries that was placed on my credit report by these companies and no one could help me as they do not know what the process is in order to remove them. I disputed them online through Equifax and was told that I needed to contact the creditors directly but they was of no help at all. I need these  XXXX  hard inquiries removed from my credit report. Equifax told me that they could not personally remove these inquiries and each of the creditors told me that they could not remove these inquiries and that Equifax has to do it.
National Credit system is attempting to collect a debt that I never establised a contract with them XX/XX/2001 of a balance of XXXX and a balance of XXXX. They placed the negative item onto my XXXX credit report file which is a false witness to my name. They are violating the FCRA law and the status of limitation to collect a debt
I had a vacuum cleaner company that came to my house and have me buy a vacuum cleaner, I hesitated, but they insisted I should use the vacuum cleaner and send payment to them, I had been paying them, and then I lost my job, and also seen that they vacuum cleaner was over prized, but I still paid them until I could not pay them any more because the vacuums cleaner price keep going up. And after sometime I was sued and taken to court by a certain company I did not know was not the vacuum cleaning company I used to make payments to too, and a judgement was entered in thousands of dollars. I tried to explain that the vacuum does not cost that much and that I have been making my payments but to no avail, now I can not not refinance my home, and my credit is ruined, I have a XXXX year old mother and I can not take care of her because I can not take out money from my house to help her.
I can not link my capital one credit card to my XXXX XXXX account. They simply block the transaction so I cant share my information with a service like XXXX XXXX   really?
i keep asking to have the wrong address removed from my report which is not even spelled correctly and is a XXXX XXXX and not a home address and they continue to update it or put a new XXXX XXXX address similar to the one i continuously ask to be removed. 

which is : XXXX XXXX XXXX XXXX, XXXX XXXX NY and XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX none of these addresses are mine. i dont understand why transunion will not remove
Please be advised that we have a short sale file opened with Wells Fargo Bank. WE have cleared all liens, and our buyer is going to walk if we do not get approval. The seller started the process long ago, and Wells continuous delays will cost them another buyer. WE have filed complaints with the senator, congressman, XXXX XXXX HUD 's contract and need additional assistance. The offer supports the best offer in the current economy. This is an FHA loan that will require mold treatment and a loss to the XXXX government and tax payers if the home is conveyed to HUD with a substantial loss to the XXXX government and tax payers.
I HAVE TO US ADDRESS, BUT ONLY USED MY MOTHER 'S ADDRESS AT A TIME WHEN CITIZENS BANK WOULD NOT ALLOW ME A FOREIGN ONE. THEY ALSO TOLD ME I HAD NOT BEEN BORN IN PENNSYLVANIA, THOUGH I WAS. THIS IS KAFKAESQUE. FINALLY, THEY SUGGESTED I LOOK FOR ANOTHER BANK. SO ... NOW I FINALLY HAVE A CARD THAT DOES N'T WORK, AND THE BANK WO N'T SEND ME THE PIN. IN SIX MONTHS, IF I DO N'T USE IT, IT WILL AUTOMATICALLY BE CANCELLED. IS THERE SOME LONE RANGER, MASKED AVENGER, OR OTHER, THAT CAN EXTRACT ME FROM THIS  NIGHTMARE? I HAVE BEGUN LOOKING FOR ANOTHER BANK, AND I 'M CONSIDERING HAVING MY RETIREMENT INCOME DEPOSITED AUTOMATICALLY IN MY XXXX ACCOUNT OF 12 YEARS, BUT THERE ARE BUROCRATIC PROBLEMS. HELP ME GET THE PIN!
I was contacted by email from someone to advertise a sticker on my car and he sent me a cheque but when I deposited the check on  XXXX / XXXX /   2017 I   was confirmed by my bank Chase that it will be verified and clear good in 24hours, which they did in the next day, but on the  XXXX / XXXX /   2017 I w as told to send the money overnight as Money order to an address so they can put the sticker, so I cashed the check even my account did n't have the funds before the deposit but my bank gave me the money in cash without telling that they ca n't since the cheque was not clear or I do n't have enough funds. and I sent the money, but on  XXXX / XXXX /   2017 I re ceived a notice from my bank that my account is overdrawn by the amount of the cheque which is {$2900.00} because the cheque was returned.   the bank froze my account and told me they do n't want me as a customer anymore after I deposited more than the overdrawn amount.   I feel I was mistreated by my bank by not being clear and fair. they should of known the cheque is no good and waited to clear the cheque before giving me the cash.   I did file a report to FBI about the scammer.
Hello : I have a mortgage with US Bank. They have a relationship with a company called XXXX XXXX which has been processing my bi-weekly payment for almost 10 years now. I have several times requested a detailed amortization schedule which reconciles my payments every two weeks and they refuse to give them to me. I went to US Bank and they only gave me a monthly amortization schedule. When I told them I need to bi-weekly version, they tell me they can't and that I have to go to equity accelerators to get that information. I've now spent hours with equity accelerators and they claim they are unable to give the information to me ... ..they point my back to US Bank . 


I believe there is a scam going on here and would appreciate your help.
I paid my bill to University XXXX New Mexico XXXX XXXX XXXX through my bank checking acct at XXXX XXXX Bank on XXXX XXXX, 2015. They kept sending bills even though I sent bank information twice. Now I am in receipt of a collection letter from Transworld Systems Inc .
XXXX/XXXX/XXXX I had an agreement with Meyers and Njus to pay {$1200.00} amount was paid in full XXXX/XXXX/XXXX. XXXX/XXXX/XXXX they are telling me I still owe the {$56.00} in interest that was not in the agreement. The FDCPA states they ca n't add interest, fees, or charges not authorized in the original agreement.
XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX  , REPORT IN MY CREDIT FILE AN ACCOUNT NUMBER  XXXX  NOT BELONG OR AUTHORIZED OR SIGNED BY ME, I CALL THE COMPANY, AND TELL THAT ACCOUNT WAS PAID IN FULL, WITH NO BALANCE, BUT MY CREDIT REPORT SHOWS  XXXX  IN CURRENT BALANCE, AFFECTING MY CREDIT & EMPIRICAL SCORE.
There are two debt collections on my credit report that are incorrect. The company XXXX XXXX, apparently, is attempting to collect a debt owed by me to XXXX. When I first saw this on my credit report I called XXXX and asked them if I had opened an account with them, they told me that I had not. I live in XXXX and was in the US for medical treatment by the VA and needed a phone to be in contact for medical appointments and opened an account with XXXX. I filed a complaint with XXXX XXXX stating that I had no knowledge of the debt to XXXX. The complaint was evaluated and stated that I did owe XXXX, as noted on the attached screenshots of my credit report. The last reported use of my account with XXXX is XX/XX/2018 and XX/XX/2018. As stated previously I live in XXXX and no longer need to purchase minutes from XXXX and, therefore, I do not understand why XXXX XXXX is reporting that I did use my account with XXXX or for whatever reason, they are using to report that I do have a debt with XXXX. Thank You for your time in this matter, XXXX XXXX
Concerning American Express Serve prepaid card. An ATM transaction I was charged for but did not receive the funds. Theft of funds by charging me more then what was approved I have disputed the ATM transaction and Serve sent this document claiming to be from the merchant. The document and statement are fraudulent. I went to XXXX XXXX and got a copy of the transaction and as you can see it was declined by the institution. I also contacted the ATM provider, XXXX, they too show it was declined. 

Attached is the statement showing amounts taken from my account along with receipts for what was authorized. I was only able to have these XXXX transactions corrected by including them with the disputed ATM transaction. You can only dispute it if they send you a form. Complaining to customer service goes unnoticed and they are used by management as a shield for their unscrupulous practicies. As a result I 've been taken for thousands over the years. 

Serve blames the merchants. This is not on the part of merchants, this is being done in the '' back room '' of Serve. When the correction of the XXXX transactions was made, the statement reflected not what was taken out XXXX XXXX & XXXX but what the original payment order was XXXX & XXXX. The difference of XXXX was put back into the balance. When I confronted Serve with where the money went and where it came from I was put on indefinite hold, shuffled around to numerous departments and fed all kinds of XXXX. until it was admitted Serve was the culprit. They call it " padding ''. Padding their pockets is theft. 

I wish the CFPB to force Serve to cease its unscrupulous practicies and turn over detailed transaction records relating to all current and past accounts held in my name
I sent all three credit bureaus a certified letter, requesting an investigation in to this hard inquiry from capital one on XX/XX/18. It has been well over 90 days and they have never responded back. This has cause me a great hardship in my life as well as stress and has caused my credit score to drop drastically which has led to me being denied credit and home loans. The three bureaus have violated the FCRA, laws that are in place to protect the consumers. They're suppose to report accurate information and they have a responsibility to respond to all consumers within a timely manner.
I received a bill from a collection agency in the mail today. I thought it was bogus bc I've never heard of or had any affiliation with the companies listed on the letter. I called no one answered. The realty company ( XXXX XXXX ) that was listed as the creditor answered the phone and told me they were across the country and had no facilities anywhere near where I live. I then pulled a credit report and there have been numerous hard/soft inquiries from various rental companies and power companies ranging from the east to west coat that are fraudulent dating back since XX/XX/2018.