WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX First National Bank acquired XXXX branch offices from XXXX XXXX. As a result of this transaction both our checking account and savings account were automatically transferred to First National Bank on XXXX XXXX. Our mortgage remained with XXXX. 
The XXXX XXXX Bank accounts were established ( XX/XX/XXXX ) as a contingency for receiving a mortgage. One requirement being to have the mortgage payment paid directly from the checking account. The only requirement on the savings account was to maintain a minimum of {$25.00} and all fees were waived. 
At no time were we notified by either bank that this arrangement would change. In fact the mortgage was still automatically being deducted from the new First National checking account. 
On XXXX XXXX we visited our local First National branch to withdraw our balances and to close our accounts. The checking account balance was what we expected but the savings account showed a balance of {$1.00}. I questioned this figure and the teller pulled up the account on her computer screen and explained that the reduced balance was the result of fees and finance charge for the account being inactive. I expressed my displeasure and the bank manager called the branch that was responsible for the account. She spoke with the assistant manager who offered to refund {$10.00} in addition to the {$1.00} balance but no more since we were closing the account. 
As of XXXX XXXX we had not received a statement from First National or any communication about their policy on this savings account. As of this date, XXXX XXXX, XXXX, we have received only a notice of the account being closed. I am expecting to receive an end of quarter statement at the beginning of XXXX which I expect will agree with printout that I received from the teller on XX/XX/XXXX. It showed that the bank deducted {$10.00} " dormant account fee '' on XXXX XXXX. This is a mere 11 days after the account was transferred to First National. This was followed on XXXX XXXX with a {$4.00} " service fee '' and by another {$10.00} " dormant account fee '' on XXXX XXXX. 
This whole thing over {$25.00} may sound petty but First National did the same thing to my daughter and her husband. I suspect that we are n't the only accounts that have been ripped off. This could be a substantial amount of money if they did this with every account that was transferred in the sale.
After they called a few times I googled the number and it appears to be some sort of debt collector. They will not say why they 're calling and ask for personal information without explaining why. If I do n't answer they do n't leave a message. I have not received anything in writing about any debts owed, so if they are indeed debt collectors they either have the wrong number or have failed to inform me of what the debt is.
Hello ; I have been at odds for the last two years with all three credit reporting groups ; XXXX ; Trans Union ; and XXXX. 
I have contacted them twice about correcting my name and business history ; and then my items like available credit. 
Most recently my credit score has crashed from nearly 700 to 577 without me doing anything but normal business. And their only answer is that I 'm using too much of my credit! 
I will give them the consideration that I have two disputes and a settlement finalizing about medical care ; but still all my accounts are paid. Even during XXXX treatment I was able to keep all my accounts up, and even later pay balances back down. 
At this point they just ignore my information and report all kinds of things like my available credit being something like {$2000.00} This is asanine!, XXXX XXXX has {$3600.00} available for me ; XXXX XXXX has over {$20000.00} ; of which I only used {$13000.00} and payments are current. Additionaly XXXX XXXX has offered {$38000.00} limits in auto finance ; four other credit offers have been made that total over {$5000.00}, and XXXX XXXX has offered {$6000.00} in a credit line. 
So, i have written them all twice to stop reproting only the bad parts of my credit file, and show the reality of the whole picture! 
This has resulted in a ripple effect of XXXXXXXX XXXX canceling one of my accounts and reducing all my accounts they administer, and my score has crashed from going up steadily to about XXXX, XXXX XXXX XXXX, back down to XXXX recently. And again a vendictive attitude, asanine excuses, and a one way mirror effect from them. 
The biggest thing they ever did was send my complete report from two of them, showing numerous entries of credit checks I never asked for, and again, no mention of my large credit open lines. 
I also closed a bankruptcy in XXXX, and it expired, but the effect is like they are vendictive about not showing it. 
I am way over my head in how to deal with them and the more I say, the worse it gets. They take a defensive tact, and thats the end of that. 
Can you help, I ca n't afford to sue three big firms like theirs, and I guess they count on that? 
I actually think there is a collusion with some entities and their reprots since people that wanted my business had no negative things to say, like XXXX XXXX, but others just jacked up rates and snarled about the " negative reports ''!
I have credit cards for retailers issued through Synchrony Bank. The cards in question had {$0.00} balances and no late payments. Synchrony took it upon themselves to close XXXX of the accounts and lowered the credit limit on the other. This has really hurt my credit through the credit reporting bureaus.
Ocwen became my mortgage servicer XXXX XXXX by XXXX and immediately they foreclosed on me. I got an attorney to fight but held up for awhile, during the time they were being suited, from everywhere, during the same thing they was trying to do to me. I signed a loan with XXXX XXXX XXXX XXXX in XXXX, with XXXX, than XXXX, then XXXX, now XXXX. XXXX still want provide my attorney with the proper information for the modification loan, they offered me. Something really need to be done, about this deceitful companies.
The property inspector hired by Wells Fargo, our servicer, has come onto our property to harass us and take photos of our property from the front porch. This occurred on a Sunday morning at the beginning of XXXX. This was a violation of our property and our privacy and has caused us distress and embarrassment.
To my knowledge, I have not signed any documents authorizing the following companies too view my credit history therefore, these inquiries into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

XXXX XXXX Inquiry from XX/XX/XXXX. XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX ... Experian XXXX for XXXX Inquiry from XX/XX/XXXX ... XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX - XXXX XXXX XXXX Inquiry from XX/XX/XXXX - XXXX XXXX Inquiry from XX/XX/XXXX - XXXX  XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX, XXXX XXXX
Early Warning is reporting a fraudulent and unauthorized XXXX Checking Account on my Early Warning consumer report that do n't belong to me. I am a victim of identity theft and someone stole and used my personal information to impersonate me and opened a fraudulent and unauthorized checking account with XXXX. I have attached documents to this complaint I sent to Early Warning.
XXXX XXXX XXXX posted a unpaid bal on acct, in TX we are allow the choice of a electric provider and can change w/o a plenty.
Today, XX/XX/XXXX I received a credit alert that my credit score decreased. This decrease also reported to all three credit bureaus. The reason for the 22 point drop was because XXXX XXXX XXXX ( XXXX XXXX ) added a comment of " Natural Disaster ''. So I called and spoke with a customer service rep, which was no help at all and kept having a small giggle. So I asked for a supervisor, to explain to my why that comment was added. I paid my balance down significantly, on my own with no assistance from XXXX XXXX XXXX ( XXXX XXXX ). The supervisor informed me that they put that comment on all there clients credit reports because the credit card services was offering a 90 day no interest, late fees on the credit cards. I said, I understood that. However, I did not get any assistance in that nature because I paid my card down on time and it was not late. So technically, that remark should have never been added to my account on my credit. I informed her that putting remarks like that DECREASES consumers scores. My score showed going up for the decrease in balance then dropping 22 points due to the natural disaster remark. The supervisor stated, she will request for that to be updated and removed and they did n't realize it would dropp consumers scores. She also, informed me that if I wanted to go ahead and file a complaint then I can do that as well. So here it is. Now I want to know how I will get my 22 points back? I 'll wait. I do n't know about anyone else, but my credit is VERY IMPORTANT to me and I work hard to keep it up.
Ally was overly paid funds that exceeded the total asking price of {$24000.00}. I was involved in a car accident on XX/XX/XXXX. I was rear-ended by another vehicle which subsequently totaled my vehicle, XXXX XXXX XXXX, that was financed through Ally Financial which defrauded myself, the customer, by over charging excessive billing amount that were never agreed upon nor negotiated at time of contract. The XXXX dealership in XXXX took XXXX down payment from my trade in vehicle which automatically would be subtracted from the total agreed upon negotiated price of {$24000.00} leaving a balance of {$20000.00}. XXXX XXXX XXXX was the at fault insured driver insurance, which paid {$12000.00} to Ally Financial directly, leaving a balance of {$7500.00}. I also had GAP Insurance which covers any unpaid balance associated with the vehicle liability loss, which paid {$6400.00} to Ally Financial directly, leaving a balance of {$1000.00}. Also a service contract was paid t o Ally Financial for {$140.00} leaving a balance of {$940.00} I was told by Ally Financial representative that I paid a total of {$5600.00} from XX/XX/XXXX through XX/XX/XXXX/but only {$2600.00} will be applied towards the principal balance, resulting in an overpayment of $ XXXX/ {$1700.00}. I've reached out to Ally Financial on numerous occasions to rectify this matter and they have not resolved this issue at all. Instead Ally referred me back to XXXX and requested that I pay Ally Financial an additional amount of {$2900.00} to resolve the amount of the debt.
There are XXXX student loan accounts for my Daughter that i was a co-signer on. Both of these account were in collection. The agency that serviced these accounts was XXXX and they had written off both accounts in XXXX XXXX. Fast Forward on XXXX/XXXX/XXXX XXXX ( XXXX bank ) was settled in full thru XXXX Bank. The XXXX loan on XXXX/XXXX/XXXX XXXX was settled in full thru XXXX XXXX XXXX XXXX offices who was contracted by XXXX XXXX XXXX contracted by XXXX XXXX XXXX XXXX XXXX to service their accounts. Since this this time I have been trying to get these XXXX accounts reported correctly on our credit reports. Thru numerous disputes dateing back a year or more i can say that this is a disaster. XXXX claims they have nothing to do with these accounts since they wrote them off in XXXX of XXXX yet they are the ones that have done the reporting and who the credit agencies contact for the dispute. XXXX has done another wonderful thing and that is they have XXXX account number for both of those accounts, which is the account number for the XXXX loan, but the XXXX loan is also under that account number But the actual account number is different. Now XXXX and XXXX have sent XXXX letters that these accounts are settled in full, but on our credit reports they are reporting that the Accounts are in collection with a balance due and a balance past due. XXXX even has gone as far as on the XXXX ( XXXX ) of reporting balance XXXX, Payment received XXXX past due XXXX status in collection.Nothing like mixing the XXXX accounts together. I have sent hours i mean hours on the phone with the credit agencies particular XXXX ( because on XXXX/XXXX/XXXX they finally were reporting correctly ... and changed back to reporting incorrectly on XXXX ). All the hours of phone calls and conversations to the credit agencies and to XXXX they absolutely refuse to report these accounts as settled in full. XXXX says they are reporting correctly and the credit agencies tell me they only report what is sent to them and do not have the power to change it. I have also have been told the proof of settled in full is not acceptable because the account numbers do n't match on the XXXX. As i said XXXX did a wonderful thing by listing both accounts under XXXX account number. And They wo n't Rectify that. I know these accounts were in collection and circumstances at the time led to the accounts going to collection. But when the circumstance changed, i made agreements and paid these off. I have worked hard to build my credit back up and my daughter is building hers, that without these XXXX accounts being reported correctly she ca n't buy a home, our insurance rates are higher etc ... We need help and XXXX and the credit agencies refuse to correct this. Your our last resort. 
thank you
That I have went under some names like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX something like that My name is XXXX XXXX XXXX And there has be fraud under these names and now my name ...
We had a charge on our account for contractual services that were never received according to the signed contractual obligation. The change has been disputed multiple times through Wells Fargo. Instead of investigating, Wells Fargo chooses to close the dispute without notice or comment. Wells Fargo refuses to investigate and does not protect their customer/consumer.
On XXXX/XXXX/XXXX, I signed a Retail Installment Contract and Security Agreement with XXXX XXXX, XXXX, WY, that was assigned to Wells Fargo Auto Finance. My payments were to begin on XXXX XXXX, XXXX and continue for 60 months. When I received my XXXX/XXXX/XXXX statement I was surprised to see a late fee assessed. On XXXX XXXX, XXXX, I spoke with a Wells Fargo customer service representative named XXXX about this late charge. Although the payment was mailed on XXXX XXXX, XXXX, she indicated that it had not been received until XXXX XXXX, XXXX. I was skeptical because past experience indicated that it typically took 4 to 5 days for my payment to arrive. For the next 31 months, I sent every single payment via certified mail, intentionally varying the weekday each was mailed. Not once did it take 7 days for my payment to arrive in XXXX ; in fact, it continued to average 4 days. Although the payments due in XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX were received at the address provided by Wells Fargo Auto Finance prior to the XXXX of the month, I was assessed a late charge. On XXXX XXXX, XXXX, I sent a letter to Wells Fargo disputing the late fees and attached copies of the certified mail receipts that showed each payment was received at the Wells Fargo mailing address before the XXXX of each month. Payments are considered received when they arrive at the address designated by Wells Fargo, not when someone eventually opens the envelope. Wells Fargo has charged unauthorized late fees and has failed to return the title of my vehicle to me.
I have contacted XXXX several times via phone and online on many occasions in regards to inquiries that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look like I have been begging for credit and I have not. I am trying to refinance something in my credit file and it makes it difficult when theyre checking credit and I have inquiries from places I didnt inquire credit from or gave consent to. I have disputed and reach out to the bureaus several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. The following inquiries that were not authorized are the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Closed my account with Scottrade Bank today because it 's been over a month and I never received a debit card. I called them a week ago, and they said I was supposed to request one. Request a debit card??? Why would n't that be automatic? Then they said it could take 3-5 days to get it ... wrong again ... Somebody is definitely asleep at the wheel. The brokerage could n't even contact their own banking representatives. What a joke
Hello, I had to file a complaint approximately 2 years ago in order for XXXX XXXX to reach out to me regarding an interest rate reduction plan in order to make my student loans affordable. In XX/XX/2014 they terminated my interest rate reduction plan for no apparent reason, siting the fact that the payment amount owed was not paid. I was setup for automatic payments being pulled from my XXXX XXXX checking account. This should not of happened. 

Since then after phone calls and trying to ensure that my interest rate reduction plan would continue, no one proved to mention the fact that XX/XX/XXXX payments had changed. They still pulled the original amount setup through the rate reduction plan $ XXXX/mo. and just continued to let interest build on my principal balance. 

I have setup the interest rate reduction plan yet again and I just received a past due notice even though they setup the payment to pull on the XXXX of each month. This is making it impossible for me to payoff my debt and push towards a goal of financial freedom. Please help. 

Sincerely, XXXX XXXX
On XX/XX/XXXX i found out that pro-collect had reported information that was not mine to the three credit beauers. I contacted the company and gave the account number that was listed on the credit report and the last of my 4 of social security number. The represenative stated to me that i have no account there and i said send me a letter and removed it from my credit report. The amount for both accounts were totaling over 6,000 dollars. The representative XXXX XXXX XXXX stated i will mail you a letter and you should receive it in 5-7 days. On XX/XX/XXXX when i didnt receive the letter i called back and the supervisors. XXXX XXXX stated this is your account and i said i have proof that was mailed to me by your company which is n't my information on the lease application that they had mailed me. She stated i must send her a lease of were i have being living for past 3 years and i told her i been living with my parents and dont have a lease and she said well there nothing i can do to help you but for you to pay this debt off.She was very rude starting saying this is your account and unless you send me a lease in which i can verify this account belongs to you despite the incorrect social security number and other pertinent information. I told her i was n't going to pay for account and she said ma ' you will because you are using 2 social security number and when i told i do n't she hung the phone up. I have disputed with the credit bearurs and sent the information to them that was sent to me by pro-collect and they said its nothing can be done even though it does n't ' have my social security number on it.
We refinanced our home at the end of XX/XX/XXXX with Freedom Mortgage Corporation. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX which is owned by Freedom Mortgage provided the services for refinancing the new loan and paid the real estate tax on XX/XX/XXXX as part of the closing cost. Also, in XX/XX/XXXX our real estate tax was paid a second time from our new escrow account on XX/XX/XXXX. Our new escrow account immediately went negative for all of XX/XX/XXXX. Not realizing that our account was negative and trusting in good faith that Freedom Mortgage Loan Services was handling our account correctly sent us a Escrow Account Disclosure Statement on XX/XX/XXXX indicating an escrow shortage of thousands of dollars and increased our mortgage to an incredibly large amount to cover the negative balance and the XX/XX/XXXX real estate tax. We have sent a Notice of Error Letter directly to Freedom Mortgage with documentation proving that the real estate tax was paid twice for XX/XX/XXXX and they responded on XX/XX/XXXX verifying that it was paid twice and stated in their letter that a refund can take up to 4 weeks to process. We still have not received a refund 8 weeks later and are still making incredibly large mortgage payments.
I previously submitted a complaint with the CFPB. I learned today from XXXX, through your office, my complaint was denied. She read me the letter from the bank 's representative, XXXX XXXX. I have talked with XXXX XXXX since my complaint was filed at least twice and he never mentioned the reasons for their denial. I am outraged and appalled. Never had the bank or any of its representatives mentioned to me that my loan was submitted through the Community Reinvestment Act ( CRA ). My loan, I learned today, was approved through XXXX as my income was " too high '' to qualify for the CRA. As a result, the {$2500.00} credit that was continuously stated on the bank loan documents is not being refunded. My closing costs were almost doubled to {$11000.00} due to the CRA denial ( $ XXXX {$2500.00} = {$6100.00} ). Not only that, but during my conversation s with XXXX XXXX, I pointed out the bank delayed the closing of the mortgage loan with continuous requests for multiple XXXX 's bank statements, pay-stubs from my wife, two P & S extensions from the sellers, which caused substantial extra costs for rental and condominium fees. I was fortunate this did not cause the sale to collapse. I 'm attaching previous documents submitted as well as additional information. I expect the bank to refund these additional fees and expenses which has resulted in substantial costs to close the loan in XXXX 2016. Not only that, they ignored my initial requests last year, on multiple occasions, which I also mentioned to XXXX XXXX. All his seeming assurances to me were apparently just a time stall tactic. I hope that this new complaint is speedily resolved to my satisfaction.
On XXXX/XXXX/XXXX I noticed that an ACH withdrawal for a higher amount than I authorized for a student loan payment posted to my checking account. I called my bank to have them reversed the ACH transaction and they said that they can not due to technical limitations of my account. The only way forward is to dispute the charge and that has an unknown amount of time before the money is returned to me.
Experian atill has a XXXX collection that is not reflected in my other 2 bureaus for fico scoring. This is flr a medical bill and this was resolved when i gave them a copy of my insurance information.
I applied for a loan modification in XXXX. It took two years to complete because Wells Fargo did not read the faxes I submitted. This cost me thousands of dollars that was added to my VA financed loan. The modification was finally approved in XXXX XXXX. This placed my home up for foreclosure. I started payments in XXXX XXXX where Wells Fargo continued with the foreclosure my home was foreclosed on. The proof is public record in XXXX County Fl. I have been trying to get my home deeded back into my name so that it will be affordable since XXXX when I found out it was no longer deeded in my name due to a foreclosure in XXXX XXXX. Wells fargo has taken payments and no one knows how to get the deed titled in my name again. Because I am a XXXX veteran I am due tax breaks that would reduce my mortgage payments drastically and Wells Fargo, who is known to have defaulted and not worked with VA backed loans illegally still will not have my home deeded in my name. If I pay this home off tomorrow it will not belong to me. No one at wells fargo seems to think that my home was ever foreclosed on and does n't know where to send me to get it titled in my name. This is costing me more money. If I default on this loan I will be a homeless veteran with a child. Due to Wells fargo refusing to assist in this matter.