WillisBack/dataset-financial-user-claim huggingface dataset:
Apple vamk for savings, a nee york based bank, had scheduled a online convention on XXXX XXXX XXXX, they notified consumer that the online services will be unavailable from XXXX XXXX till XXXX XXXX. However, when i logged on after XXXX XXXX i was stocked thay only some of my accounts showd ( i have several accounts under same username, 1 as a personal and 1 for my business, and 1 for savings ). I wS sure its an error, i called the costumer service line, after a wait of more then 45 minutes, the operator told asked me what he csn help, i said, my business account dosent show online, he said ohh business accounts was not brought over to tje NEW system, u have to go to a local branch to set it up, i askes why i was not notified about it, he was not able to answers. A day latter at the local bank. As a arrived at the bak there was alot of people with the same problem, the bank manager asked us all togetherto come to his office, he first apologised on whays happening, by saying the does not have an idea why this happend and that he was asked by the HQ before the cibversiin date, to notify just few people that will be affected and he did, but ge was told thay the rest will not be affected, but he just learned that " ALL '' business accounts wgere affected, and that he can not even get through the HQ to know whats going on becase that dint answer his phones calls, He than took information from everyone in the room and promisedus that the ussue is going yo be resolved in less tgen 2 days, Since then i tried to check online my bank account on daily basis, but nithing changed, i dont habe acces to my business account, Today it 2 weeks already l, so i went back inyo the local bank, tbe menager was noy therr today, so one of the bankers there asked my whay the issue is, i repeated my priblem, she asked wgats the name of your business?, xyz, i replied, she browsed though a bunch of papers on her desk, she said, your business is not on my list, i asked, so what dies it mean?, she said, your account is bot in a lust of account that we are going to fix today, i asked when can i expect mine to be resolves, she answered i dont know, and i can not give you a tine frame. She then told me a lie, that they notified everyone in advance, something is not ture, i am attaching the only email we got before tge conversion, and the menagers also told us 2 weeks ago that he was in total surprise. Meanwhile, i can not pay bills, transfer funds, reconcile my business records and so on.
I attended XXXX XXXX in XX/XX/XXXX and was given a loan and reassured that I will have a job and be able to pay back my loans. That 's has n't happened. <P/>I went to XXXX XXXX on line XX/XX/XXXX-XX/XX/XXXX. My program was discontinued because the school was " closing '' I was told I would n't be held responsible for my loans because the school was closing and I did n't finish my program. Well all of that was a lie. School is still open. I should not have to pay for something that I did n't complete or get.
The information far as my name and address that is reporting on my credit report is incorrect. My name is XXXX XXXX XXXX address XXXX XXXX  XXXXXXXX XXXX del XXXX everything else on there is incorrect
I am being billed by Nelnet and XXXX as well.I just had a ChapterXXXX discharged in XX/XX/2017. I think I am being double billed?
After filing a complaint with the CFPB, my foreclosure date was postpone and XXXX XXXX Executive Mortgage Specialist Representing Wells Fargo. XXXX XXXX used stall tactics with the paperwork submitted for a short-sale by reassigning the paperwork submitted by XXXX and XXXX XXXX 4 times within a month which by a realtor is very unusual. I received a phone call from XXXX XXXX saying a decision has been made and they ( Wells Fargo was turning down my request for a short-sale due to deadline date was not met and a home loan modification because insufficient funds. Now I know there was no deadline date for the short-sale paperwork to be turn in. I was never notified of this date. This is not fair to me the consumer nor to me as a veteran. I am participating with all that is given o me and to be turned down just because the executives of Wells Fargo wants me gone is unfair. Please do something. I have contacted the legal Bureau as instructed by one of your representatives and I am awaiting on their call either today or tomorrow. I am re-submitting all paperwork sent to them, back to them by fax starting XXXX XXXX, 2016. I still need your assistance to stop another foreclosure date for being place on my property again. I also need Wells Fargo to accept the short sale package given and review the paperwork/ Please help me.
I purchased a car and Westlake was the finance company. I am XXXX XXXX and informed the finance company of this and was told there was no relief for me. I was lead to believe that repossession was my only alternative. They came and picked up the car XX/XX/2017. I have since found out that I was covered under the SMRA and should NOT have had my car repossessed. This is a violation of the federal law that protects military personnel. I have since tried to retrieve my car back without success and my credit has since been ruined. They have been unwilling to work with me to settle this issue.
I am disputing account number XXXX with Southwest Credit System because I have sent several dispute letters to the credit bureaus and it comes back verified every single time. I have contacted Southwest Credit System to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act.
On XX/XX/2018 I received a phone call from Synchrony Bank, a major issuer of store credit cards to verify a new account being opened with XXXX XXXX. In XX/XX/2018, my identity was stolen and two bank accounts were opened in my name and credit cards were applied for, but luckily stopped during fraud checks. I promptly submitted short- and long-term credit alerts at all three bureaus. However, despite having these alerts, Synchrony Bank called me AFTER they opened the XXXX XXXX credit card in my name and allowed the individual with my information to make a purchase of around {$5000.00}. After speaking with a credit protection service that is provided to me free of charge through my employer, they confirmed that Synchrony Bank should have definitely NOT issued this account and should have verified with me through their fraud department first. I learned from this service that this practice is commonplace with Synchrony Bank, particular with some stores like XXXX XXXX that contract with the Synchrony to be the issuer of their store credit cards. 

After speaking with the Synchrony Bank fraud department, they closed the credit account and tagged the account as fraud. They did a short investigation and confirmed this account was opened fraudulently and noted that I was not responsible for the account or charges. Synchrony also stated they would submit letters to each credit bureau to remove the account and inquiries from my credit report. Shortly thereafter, I received two letters dated XX/XX/2018 confirming I was not liable, the account was closed and the credit bureaus were informed of the fraud. 

While this issue is not solved, I remain frustrated that XXXX XXXX and Sychrony Bank allowed this to happen in the first place. Protocol would have been to see the credit alert and not open the account without contacting me and verifying my identity and that I made the request. This issue has led to me spending a considerable amount of time speaking with Synchrony Bank and my credit protection service, as well as reviewing my credit reports, verifying my credit alerts and my overall financial picture. My credit score was affected by a number of inquiries Synchrony Bank made on my credit, and again, they flat out ignored the alerts.
XX/XX/XXXX  I  called transunion to dispute a collection account on my report from   XXXX   XXXX   XXXX    XX/XX/XXXX . I have no contract with this agency and have requested previously via mail twice for proof of physical verification they used to verify the debt from Transunion and have not received any as of yet. In the meantime I have also requested physical verification from the collection company and informed them that they have no surety bond in the state of   Texas   making it illegal to attempt to collect any debt from me.  XXXX   XXXX   XXXX  who is operating out of the state of  Texas  has no active surety bond in the state of  Texas  where I have resided since  XX/XX/XXXX  making it illegal for them to do business in the state. According to Texas  Finance Code Section 392.101  requires that a third-party debt collector or credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bond must be filed with the secretary of state. I was told by the representative that I spoke with that that was not a reason I could dispute the debt, but that I could dispute it due to erroneous information I have tried to settle this by disputing through the mail twice and making the call tonight to transunion to no avail. I am looking for this debt to be removed from my report because the debt collector is out of state and does not maintain an active bond in the state of  Texas  and is adversely affecting my credit profile. They have also not provided the method of verification of debt that I have signed with   XXXX    XXXX   XXXX   XXXX  any contract or owe   XXXX    XXXX   XXXX   XXXX  any debt.
I was sent a credit card in the mail by Synchrony Bank in XXXX Fla. in XX/XX/2017. I have no account with this bank, have never applied or asked for this card. This account was opened without my agreement, knowledge or permission. This account has been established fraudulently and I am concerned about how this affects me. I want this account closed immediately.
HAVE TRIED OVER AND OVER AGAIN TO SAVE MY HOME OCWEN HAS MADE SO MANY ERRORS THEY COME UP WITH A DEPRECIATION MODIFICATION THAT WAS SIMPLY FOR THEIR BENEFIT MY ORIGINAL NOTE WAS DRAWN UP WITH DIFFERENT ADDRESS ON THE NOTE WHICH THEY WILL NOT ACKNOWLEDGE ; ORIGINAL MORTGAGE BROKER OUT OF BUSINESS OCWEN WANTS ME TO DO A FOREBEARANCE AGREEMENT WITH A {$81000.00} DOWN PAYMENT ; I've OWNED THE HOME FOR YEARS NOW THE SAME REP WITH OCWEN NOW DENIES MY LOAN MOD REQUEST REPEATEDLY WITHOUT FULL REVIEW ; SAME STORY I'M AFRAID I'M GOING TO LOSE MY HOME PLEASE ASSIST
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/XXXX, 60 days XX/XX/XXXX, 90 daysXX/XX/XXXX, 120 days XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
I had a fraudulent charge on my account. After declaring it as fraud the card was closed and I was told I would have a new card in 5-7 days. After 10 days I contacted them again and they assured me the card was on the way. After another 8 days I called and they told me the account was closed and no card was issued. The only way to get a new card was to open a new account and go through the process. After agreeing to leave it closed I asked about the fraudulent charge still on the account balance and I had to go through the process again of declaring it fraud as if it had never happened before. Very disappointing after having the card for over 8 years.
I, XXXX XXXX qualified for a discharge for my loans, however I had made future payments to the company until 2019, and they never refunded me for payments that I already made. The company was still charging me interest everyday despite the fact that they were already paid for the interest and principal for that month. For example if I already paid for the month of XX/XX/XXXX and XX/XX/XXXX which is XXXX dollars a month, I would still owe interest on XX/XX/XXXX and XX/XX/XXXX. When I asked isnt the principal and interest included in the monthly payment they reply yes. I dont understand why I have been paying double interest and captalization. The company Mohela even entered my account under a forbearance and they already have a monthly payment. Im so concerned that they are taking advantage of the individuals that owe student loans please look into my account.By the rate that they are going I would never pay them off and I have since cancelled my discharge until they give me the right amount owed.
On XX/XX/XXXX Bank of America wo n't coooperate with my lender ... It 's a whole other pay cycle and they still wo n't communicate the proper info.. Online bank was not taken care right either due to that I received XXXX in overdraft fees and it was the banks fault..
I was tied ti my daughter student account with additional checking and savings. My daughter was only allowed to use the ATM with her student account. In doing so she deposited a check through the ATM which was a fraudulent check she withdrew {$200.00} at that time. I was in another state when she was doing this at college. Since it was a fraudulent check all of our accounts XXXX of them were closed and filed with companies so as to never open up an account again with any other bank. I have since lost XXXX jobs because of this filing and I 'm not able to open up my company again because I can not open up banking account. I need help with this resolving as I have tried to fight with first response and security companies to allow me to make a living I am now destitute. I can not find myself to make a living to feed my family. I 'm a single parent and had a woman own business. please help me to put my life back together.
I have an installment loan through Speedy Cash, and they regularly apply payments to my installment loan account several days later than they are drafted out of my account which causes additional interest to accrue on my account. Payments are never withdrawn from my account on the draft date that I have selected and the payments are never applied to my installment loan account on the date the money is drafted out of my account bank account.
A year or so before the 2008 real-estate collapse my wife and I plus my sister and her husband signed on as partners in a land development loan for a residential subdivision located XXXX WA. in a small town " XXXX Washington '' as additional guarantors. We had hired a local multimillion dollar land developer to manage the project and finance the loan under a joint venture agreement in our project. The project was then constructed under the loan however the building lot values suddenly collapsed and the project went into default. The original bank that issued our loan also collapsed shortly thereafter and our account was taken over by Washington Federal Bank XXXX WA. who then began to be very aggressive in collection demands and hired a very aggressive legal firm to process the collections. At this point the banks legal firm took over and arranged the banks position and the bank took over the real-estate lots and sold them at about out 50 % of former value. After the lot sell off the Bank immediately sued the joint venture to collect the short fall of the loan balance. This is the point where a collusion was arranged between the banks legal firm and our financial partner to literally join together in a legal manipulation to defraud my family and shift most of the loan debt away from our wealthy project manager to our family. To repeat : The bank paid their attorney to join with our partners attorney in a direct legal maneuver to defraud my family our right to hold the wealthy developer in the land loan contract to pay his fair share of the dept. This claim can be documented by my own records and the records in the State records. Basically the " banks attorney '' literally assisted and actively worked for our partners attorney to process file and get approval of a small change in WA State law that allowed them to put a XXXX line down the center of WA State that allows legal advantages on legal proceedings to people on the XXXX XXXX of WA over people on the XXXX of WA State. This was done to accomplish one important goal : they were then able to release our financial partner of his debt responsibility and pay only a very small payment. Why? because our financial, partner had too many outstanding loans and needed assistance to spread out his loan portfolio to avoid bankruptcy. The consequences to my family? The bank forced my entire family file chapter XXXX bankruptcy, loose our life savings, I have to come out of retirement and go back to full time work, and the XXXX my sister. I am XXXX years old, a XXXX XXXX Vet, a registered XXXX, and I am living on SS and a few hours of XXXX per month. The bank still has a {$1.00} XXXX mortgage lean on my {$120000.00} farm I have no money to fight off these crooks. Please help.
There are two separate accounts with two different balances noted on all of my credit reports for XXXX/XXXX. However these are one loan, not two.

Since XX/XX/XXXXI have attempted to have the Credit Bureau 's and the Debtor correct my credit report. I contacted XXXX directly to have them correct the issue starting in XX/XX/XXXX. They directed me to contact the Credit Bureaus to dispute the charge and said they would correct the issue through the dispute. This has not happened.

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. According to FCRA Section 605, I demand that you remove these items from my credit report due to these items being inaccurate and not corrected within 30 days.

Sincerely, XXXX XXXX
XXXX XXXX XXXX XXXX IS INCORRECTLY REPORTING THIS ACCOUNT TO XXXX AND XXXX AS OPENED CHARGE OFF, WHEN IN FACT IS CLOSED PAID IN SETTLEMENT.
Credit Acceptance Corp has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
on XX/XX/XXXX i spoke with someone in the escrow department of fifth third bank. After a long discussion i came to the conclusion that i would cancel my escrow account as i do not require one having a VA loan. the person i spoke with said i needed to send them a letter stating i wanted to be removed from escrow. I hand wrote a letter and faxed it to the number given to me by the person in the escrow department. On XX/XX/XXXX i called to find out the status of my escrow account, and be sure that they were closing it and sending me the balance. I was told by someone different that they did not have the fax, that it would be another 24-48 hours. So i called back on XX/XX/XXXX to check on the status, and was told again by someone different that they could not locate my letter and requested i email it to her specifically and she would resubmit it and it would take another 24-48 hours from the time she submitted it. 
Totally irritated now i called back and got someone else again, and she told me they found my fax, and they just opened the case. and it would be resolved by Monday the XX/XX/XXXX. and not to send the email as it would prolong the case. I called again to verify the case was resolved and my escrow was closed and the balance was sent to my house. I got someone else again, telling my they are waiting for a fax that i was told not to send and nobody is even looking for the fax what happened to it or wanting to resolve this issue. There are no contact information for the corporate office, so there is no way to contact anybody that might even consider helping resolve this issue. and every time i call back i get someone different and a new story. 
i want my escrow account closed, the balance sent to my home address and a new calculation for my mortgage without escrow and the coupon sent to my house. 
if they cant handle that I may be forced to take my mortgage elsewhere.
I was offered a streamline modification in XX/XX/2016 from Seterus Bank. I made all the trial payments and received permanent paperwork in XX/XX/2016. I continued paying for XXXX and XX/XX/XXXX. They are sending me paperework that I am past due. I am not past due. They have not sent back the permanent loan modification paperwork back to me, leading me to believe my loan is not modified.
On Wed XX/XX/2018 XXXX authorized a payment of XXXX I only had XXXX in this account. I asked Wells Fargo to stop letting payment come thou when no money is available to payment for the charge. Wells fargo is doing this just to charge account holder XXXX. I have removed my debt from XXXX. This company need to change their policy. I also having a pending payroll check, the company state if a payroll check is pending the company would not charge a fee. that is not true the company is still charging funds.
My mortgage company was XXXX XXXX and my lender sold my account to Flagstar banking. I noticed that my credit score dropped  tremendously because it showed that my account was closed but actually it was sold to Flagstar banking. They have not reported that I pay my mortgage through them now and it's effecting my credit score.
Cavalry SPVI, LLC is taking me to court and trying to take money out of a bank that I don't use anymore. They wants me to pay the court cost. They do this every few months. Every time it is {$10.00} in court cost. the account has been closed over 2 years! they have tried over six times in the past year and half. It is getting ridiculous. I understand two times but this is harassment! when the Bank tells you the account is closed then its closed. there is no reason to keep beating a dead horse.
On XX/XX/18 I accidentally hit the " request a credit limit increase '' button on my account page. I immediately wrote a message stating it was accidental and I DID NOT authorize a credit inquiry. I received a response on the XXXX from the company stating they have received my message. On the XXXX I received a message with a letter in pdf form stating they pulled my credit history from XXXX. I wrote in writing that I specifically did not authorize a credit inquiry, received a response acknowledging they received my original message, but went ahead and pulled my credit history anyway. Unbelievable.