WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2017 a balance of {$920.00} from XXXX XXXX XXXX appeared on my Transunion credit report. I am challenging Transunion to verify this account Per section 609 of the Fair Credit Reporting Act. This is a consumer disclosure section which is to provide for the protection of consumers against false and erroneous reporting. This section of the FCRA places the burden upon the credit bureaus and the creditors to provide the credit bureau a copy or the original creditors documentation, Whatever I filled out and signed upon opening the account with the reporting creditors.
I phoned Capital One 360 today ( X/XX/2017 ) ( XXXX XXXX ) to open a 360 Money Market account because they are offering a rate of
1.20. for amounts over $ 10k. I completed the account opening and moved funds with no issues. However, when looking at the rate it stated .60 instead of the 1.20 and I deposited $ XXXX. This is the first issue. I phoned and the representative stated that it would most like be updated to reflect the rate of 1.20 at a la
ter date.
Me : Okay and can I check on my beneficiaries with this account?
Cap One : You can not have beneficiaries with a Cap One 360 account.
Me : Then can I add a joint owner?
Cap One : Not unless the joint owner is Cap One 360 account holder.
I have been in finance and banking for years and have never heard of this practice and it seems sneaky and illegal that I can have {$1000.00} 's of dollars in an account but can not name a beneficiary or even add a joint owner. I feel this needs to be addressed and the practice changed. I plan to move the money back to my Credit Union where I know my funds are protected and where I can have beneficiaries and/or joint owners.
Hello, I writing regarding an unlawful foreclosure by PHH Mortgage Services in violation of my SCRA rights. 
I am a XXXX XXXX XXXX Vet. I purchased the property in XXXX XXXX in XXXX using a VA home loan and made perfect payments for 5 years in XXXX I XXXX again and while I was away PHH started a foreclosure with no attempt to stay the proceedings until I returned. When I returned in XXXX of XXXX they did not attempt to hold off and allow me to re-modify the loan. This moment in my life made a huge negative impact. I felt I could n't function in " normal society '' I was broke, and signed my self up to go back again feeling I had to go to make a large enough savings account to get my life " back on track '' and since then I have been diagnosed with a VA XXXX rating of XXXX and struggle with XXXX every day. In XXXX I went XXXX my XXXX and be able to function and hold a job. Since then I got a job at XXXX XXXX and in my training I learned more about SCRA rights and realized I was a victim by a company who knew I was XXXX, and played off my lack of knowledge of my rights. 
Please assist me in what information do I need to provide to substantiate what took place and what I can do about it. 
XXXX XXXX, XXXX XXXX. 
XXXX
I have been hit with a $XXXX late fee because my $XXXX minimum payment was not received ON XXXX XXXX XXXX XXXX.  My bank (XXXX XXXX) was closed on XXXX XXXX XXXX XXXX so it scheduled and made the payment on the next business day, which was XX/XX/XXXX.  But that was not good enough for Slate credit card (J.P.Morgan), which says I should have called and made the payment over the phone!!!  The pre-scheduled payment on XX/XX/XXXX was $XXXX, but Slate didn't even say thank you.
I actually have XXXX complaints about Toyota Financial Corp. 
The first is their calling practices. They will initiate collection calls well ahead of when the payment is actually late. They claim they are reminders, but they are clearly collection calls. The calls continue regardless of any arrangements made. Also, the caller ID never identify them as Toyota Financial. 

The second complaint against them is this : I had gotten a bit behind and asked them for an extension. With other finance companies, this has never been a problem. Toyota said I ca n't have one, fair enough I guess, but when I asked for a reason, and when I 'd be eligible for one they claimed that their company policy was to not give out that information. I 'm sorry, but " Because we said so '' is not an acceptable thing to say to a paying customer.
I have a reposssion on my credit file and I asked them to send me all documents validating the account is actually mine. They failed to do so!!!
I want out of the promotional material mailed to me. There 's instructions on how to opt out. A number was provided for me to call to opt out of promotions and marketing ; however, they first asked for my social. That is something I 'm not comfortable giving and is scam like. I want this to stop immediately without providing my Ssn.
Equifax allowed critical personal information to be released on over 50 % of the population United States. This is absolutely deplorable! 

It is important to note that consumers such as me even lost passwords to key business sites including retirement accounts, credit cards and even their email providers. I know this for a fact! 

Within two days of this breech, Equifax Board members sold some of their stock. Consumers did not learn of this for about 75 days!
Equifax as a company should not be allowed to exist. It should not be allow to simply change its name. Equifax board members, executives, information technology staff and other employees involved should be punished for what they have done to the citizens of our country.
In the future, Equifax, XXXX, XXXX and similar companies must have comprehensive review and oversight.
I have my loans through Navient. I checked with federal student loans and the reported interest rate was 5.9 % and I checked Navient and they are reporting my interest to be 8 % to 9 %. I feel like they are misreporting my loan amount and interest.
The account it is said to be from XXXX XXXX Bank which I have called and was unable to get an account under my social security. 
The claims said to be incurred in 2007. I have asked for more information this case is now with an attorney XXXX XXXX. XXXX law has not provided me any of the information showing that this is my debt nor the exact date in when I was served. I have contacted them several times and I have been harassed ignored of my request. Now my employer has received documents for my wages to be garnished for an amount and a sum that is not my debt. wrongfully after my wages for an account that I have verified with the original Target that my social does n't appear in their system. I would like some justice.
This company will not state who they are and what kind of " account '' they hold for me. They are also contacting family members on their personal cell phones regarding getting in contact with me.
I have several stuent loans through navient, some of my student loans are about 20 years old. Over the past few years I have made several attempts to get into a repayment status I can afford. I was never told about IBR until I researched it online because I could not afford the monthly payment of almost {$800.00} they wanted me to make. Prior to me researching and learning about the IBR I kept putting my accounts in deferrment where they would gain all this intrest. Once I applied for the IBR, Navient would take longer than normal to process the paperwork and still would send out a bill until I called them continusoly to process paperwork. Also my balance is not being reported accurately under my credit report. Also I filed a bankruptcy in 2014 and was advised there was nothing that could be done when later I found out I could have included this in my bankruptcy.
Dear XXXX CFPB, I would like to complaint than Ocwen Loan Servicing , LLC . ( Ocwen ) appears to show that Ocwen may not be in compliance with certain provisions of the Home Mortgage Disclosure Act ( XXXX ) and its implementing regulation, Regulation C. 

The Home Mortgage Disclosure Act of XX/XX/1975, as amended, 12 U.S.C. XXXX, requires many financial institutions to collect data about their housing-related lending activity, including home purchase loans, home improvement loans, and refinancings that they originate or purchase, or for which they receive applications. 

Annually, a for-profit mortgage-lending institution other than a bank, savings association, or credit union, must collect, record, and report XXXX identified in XXXX and Regulation C to the appropriate Federal agency when : ( i ) in the preceding calendar year, it either : ( A ) originated home purchase loans, including refinancings of home purchase loans, that equaled at least XXXX percent of its loan-origination volume, measured in dollars ; or ( B ) originated home purchase loans, including refinancings of home purchase loans, that equaled at least {$25.00} XXXX ; and XXXX XXXX ) on the preceding XX/XX/XXXX it had a home or branch office in a Metropolitan Statistical Area ( MSA ) ; and ( iii ) it either : ( A ) on the preceding XX/XX/XXXX, had total assets of more than {$10.00} million, counting the assets of any parent corporation ; or ( B ) in the preceding calendar year, originated at least XXXX home purchase loans, including refinancings of home purchase loans. 12 C.F.R. 1003.2, 1003.4, 1003.5. A for-profit mortgage-lending institution other than a bank, XXXX XXXX, or credit union, is deemed to have a branch office in an MSA if, in the preceding calendar year, it received applications for, originated, or purchased five or more home purchase loans, home improvement loans, or refinancings related to property located in that MSA. 12 C.F.R. 1003.2. A violation of HMDA or Regulation C is subject to sanctions as provided in section 305 of HMDA, 12 U.S.C. 2804, and subtitle E of the Consumer Financial Protection XXXX of XX/XX/XXXX, XXXX U.S.C. 5561 et seq., including the imposition of civil money penalties, where applicable. 
Ocwen is in violation of XXXX filing requirements, we urge CFPB to review Ocwen practices to ensure that Ocwen comply with all relevant laws. Ocwen do not follow XXXX, Regulation C, and CFPB guidance, Ocwen continued to request us to submit all Loan Modification Application and always denied our loan Modification for any reasons Ocwen wants to. We get the denied Loan Modification for may times.We encourage CFPB to advise Ocwen to compliance with the laws.
There were three Unauthorized transaction performed by JP Morgan Chase on my account on XX/XX/18, XX/XX/18 and XX/XX/18. The money were sent to XXXX XXXX without my permission and knowledge, Bank owes me my {$24000.00} I reviewed page 21 of Deposit Account Agreement, under section E, titled In case of Errors or Questions about YOUR Electronic Fund Transfers, it does not apply to this transactions because they were not MINE. If it was mine it would apply to my case, but transactions were not mine, I was not aware or authorize these transaction in any way shape or form. Account was mine, money were mine but actions were by JP Morgan Chase. 
This section applies to the case if I sent {$8000.00} instead of {$80.00} or changed my mind. This is not a case, I did not send my money to XXXX XXXX, the money were sent without my permission or knowledge. 
Claim handler XXXX about whom I complain. I is very unprofessional in handling my claim, first of all he has no idea how alerts work, second stubbornly treats transactions my account as they were MY transactions, while those transactions are all done UNAUTHORIZED without my knowledge, but on my account, thirdly he is never at his desk or never pick up his phone. Left him a message for 12th time. How can I defeat this tremendous bureaucracy and get MY money stolen from my account???

Also I am in possession of two checks {$6900.00} and {$8000.00}, they are issued in the name of closed and nonexistent account, my instructions were to deposit my money to my other related business account. The checks are good only for next 10 month, I am retired and living in XXXX, have no plans to visit US in the next 10 months, so money supposed to be deposited according with my instructions to my other business account XXXX XXXX XXXX. {$6900.00}, {$8000.00} and {$24000.00}.
I called outsourcing convergent inc on the XXXX XXXX XXXX and told them I had an account on my credit score from them. I told them that debt wasnt mine and it was fraudulent. No one has been any help. Ive called once a week for over a month now.
This is an amendment to complaint # XXXX I did not list the inquiries to be blocked : I have inquiries on my credit that do not belong to me and I have disputed these multiple times with the credit bureaus ( XXXX , Experian, XXXX ). I submitted a police report, FTC report and letter XXXX times and they refuse to remove these in violation of section 605B. Under this section, all disputed account must be blocked within 4 business days and require a full investigation. I have never disputed these inquiries before ; therefore, they can not be considered frivolous. This is my last resort before I send an intent to sue. I am a victim of identity theft and these inquiries are the result of someone else using my information. 

These are the inquiries that must be blocked within 4 business days : XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX
This is a complaint against the department prevensin fraud credit card Costco, the reason for this is the lack of respect towards me and discrimination, for no reason have blocked my credit card and to check if I am the owner of the card. I have been asked a number of papers that have no problem in supply and in fact send by fax, and have called multiple times to see if it was reviewed your request, and just tell me XXXX we have not received anything yet. that brazenly tell me in my face liar. In view only tease me saying that you have not RECEIVED nothing and that in such case they how many days it takes not to receive and review them, reason that makes me go to this department to provide a complain to expedite this as pc they are a serious department. This is disrespectful because I met the card payments and have paid more in one month and I do not even want to increase the credit limit I have with them.
Ocwen Loan Service and I are in arrangements to take care of a back payment I owe on mortgages attached to my mother 's estate. As the executor I make arrangements at certain times of the month to pay portions off in hopes of remaining current. 

Despite me making these arrangements, I get back to back calls while at work on my cell phone WHICH I ALSO USE FOR MY LINE OF WORK! These calls come sometime just days AFTER I paid a portion of this debt. OCWEN KNOWS my next payment date may be weeks off or even the next month! 

Last week I instructed them NOT to call at work. I gave them an after hours time frame ( which they can easily accommodate ) if they must to reach out ( the money wo n't arrive ANY sooner but hey ... ) The rep at Ocwen looked down at a series of notes and acknowledged that they were calling before the next payment cycle. Therefore making it a lost cause because there are n't any funds until that scheduled day. This morning at work I get XXXX back to back calls and a voicemail. OCWEN KNOWS my next payment is on XXXX but I will probably get about XXXX or XXXX calls ALL DURING MY WORK HOURS!!! All they have to do is look at the notes and NOT call. They WILL get their MONEY!!!
XX/XX/23 Sent a letter certified mail to Experian in regards to fraudulent accounts for removal. Since then I have not received a response or seen any action taken place for removal
My name is XXXX XXXX and my complaint is with chase mortgage company. Two years ago we received a fha loan mod from this co. According to our loan docs our loan is considered in good standing unless it falls 90 days behind. We are currently 2 months behind because of financial difficulties. We tried to make a payment to keep us from falling 90 days behind and they are refusing the payment. They want our house. We are planning on selling the home within the next 6 months as we have a lot of equity. Please help they are trying to take our home.
I have several inquiries that need to be removed. fraud never authorize. Please delete at once. 

XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX # 1 Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX # 18 Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Bank ( XXXX ) XXXX
Dear Experian, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. 
I contacted XXXX XXXX/XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX/XXXX, they can not see the inquiry and so they can not remove something that isnt there. In addition to this, XXXX XXXX/XXXX reported that my credit limit was increased during that time period but that no hard inquiry was ever made. 
I request that you initiate a REINVESTIGATION into XXXX XXXX/XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX
I paid this account with the doctors office in full. They mistakenly turned it over to Transworld Systems Inc. Transworld Systems Inc then placed a " Major Deragatory '' on my credit report. I had a arrangement with XXXX and honored it. To make matters worse XXXX misdiagnosed me and almost XXXX me. Thankfully I was rushed to a competent physician and had XXXX with in hours.
Ca n't get my annual free report from Experian online. Gives bogus response that it ca n't pull file for security, this is a lie, since the other credit bureaus can. They just want me to sign up for their own overprice {$20.00} a month service. They have done this continuously year after year and I am sick of it that they are premiered to get away with it. I am not going to send them anything additional in the mail when XXXX and XXXX can give my report right away with no problem.
Experian data breach. call center unreachable. 134 million people affected and 2,000 call takers. numbers do n't match. web site unresponsive. information only available thru media. ca n't institute a credit report lock. web site only interested in selling additional products.
Opened a credit card account with Wells Fargo in XX/XX/XXXX AWSOME bank by the way ended up closing the account in XX/XX/XXXX and payed off in full after closing. Pulled my credit because now I do XXXX XXXX and I see its reporting still and also has a late payment which is stoping me from getting loans with my company because of the late payment and it still reporting after being paid in full.
Last month, I received a notice from JPMorgan Chase that the interest rate on my credit card that I have had since XX/XX/XXXX would increase. This increase they state would align the interest rate with other comparable credit cards that the firm offers. This is the product that is now called the XXXX XXXX card. When I opened this account, I was an employee of the XXXX and the XXXX solicited the card to all employees with an employee interest rate that remained at 9-10 %. They allowed balance transfers over the year. Naturally I moved balances to this card and do carry a balance because it had the lower rate. Starting end of XX/XX/XXXX, any future charges will assess the higher rate. As I was forced into retirement by the XXXX after more than 40+ years employed with them, I find that first they changed two conditions not just one condition. They only communicated the change around the interest rate and did not communicate the condition that the employee rate would no longer be honored. I can no longer use this card due to the increase in the interest rate now and I feel JPMorgan Chase did not communicate to those that have had the card for a very long time under the initial card agreement and that the card no longer is an employee discounted rate credit card.
I disputed with transunion last year in XXXX about discrepancies on my credit report. The balances were in accurate. There were some accounts showing late when they were paid etc. It took about 3 weeks to resolve but we did! I asked for a copy of resolve letter and they provided me with it. So my question is this ... Why is my credit still showing all these negative accounts!!! I have the document that they sent. If this is not resolved, i will be taking this to court.
ATM Machine at XXXX at XXXX XXXX XXXX, XXXX, California XXXX USA is set up so that the sun will not allow you to see the screen. XXXX has put in many requests themselves to Citibank to move the machine or do something to make it safe and workable. According to the store, Citibank does not care and does not come out to deal with the problem. It creates many inproper clicks on the ATM because people can not read what they are doing. If trying to hold magazines or something around it to be able to see it causes customers purses, papers, etc. to all fall to the ground and makes them easy targets for theft. Even with doing that, it is very hard to try to see what you are pushing unless you have all of the screens memorized. Citibank has made it impossible to locate on the internet just who to contact to correct this problem. I am a Citibank customer with quite a few accounts and I use the XXXX ATM machines all the time but the one at this particular location is completely unsafe and Citibank needs to IMMEDIATELY to something before someone gets injured or is robbed or looses their money all because they thought they were pushing another button while trying to hold on to something to help them see and hold their personal belongings at the same time.
I have a problem with getting my identity verified at Coinbase. It was not a problem the last few months but now it appears that they do n't know who I am. I have been unable to perform any transactions at all. I am unable to sell any XXXX, XXXX, or XXXX. I noticed about 6 weeks ago that I essentially lost control of my money and assets. After a few weeks of trying to use their online solutions, I became fed up and sought the assistance of a real person. I called at least 5 times and waited over 30 min on hold each time with no answer. Finally I just wrote an email and received a return email that said they would get back to me when they can. I have lost all buying and selling opportunities for the last month and a half. I am also unable to withdraw any funds to my bank account. Funny thing though, I tried depositing into the account from my bank account and apparently they knew me well enough to receive my money and take the deposit. I sent the email on XXXX XXXX and received an email the same day saying they will get back to me later.. I would like to have access and control over my own account and to not be locked out and ignored. Customer support is a complete joke and it feels as though they have just taken everything from me and could care less