WillisBack/dataset-financial-user-claim huggingface dataset:
II am having problems with my new bank on his open up my problem is a my nephew owe me some money and he when I get paid he wrote me a check I went down to my bank that I king going to the XXXX and cashett the lady at the register told me that a has to take 7 days I had a would some day to get money back and she kept on persecuting of giving me her the check I said no when I was leaving I'm outside the bank in dress XXXX deposit in through the ATM treatments later I thought I can get money says I directly deposit {$20.00} out it did not give me no money it said An eligible account so sense I didn't get my check to lady inside the branch she flag me she shut my countdown I not know my account was flagged at all I got a loan that got dreads it to my count for me and a my went into my bank to go get out has since I am can get no money I'm doing with the money out and shut down the bank they said they flagged my account for supposedly I activity stop is fraud and does no father I is my money out and set my account they're not doing anything about it and they said they don't banker call the fried apartment they said it was because in my nephews check ID but ID posit and to the ATM I told my nephew XXXX to basely stop check stop payment so he stop payment so a got That's the bank and basically got rejected so I have available balance and they will not give me my money I behadden grounds from the get go from these eyes in the bank is called UMPQUA bank Located in XXXX Washington I try to get money out my dollars I get my up to get my money back so I can shut my back my bank account down I do have deposit coming from security and I would like to have that and since they're not doing anything um I need some help I'm not sure honey people that done this too but it's not right Am I name is XXXX XXXX Count number is XXXX XXXX My social XXXXPhone number is XXXX to XXXX cast my nephews check 3 days ago it was for XXXX that's when Glad me way before that sense I have a overdraft And Took out some money and after that they flagged me and I do not tell me at all and I show the XXXX XXXX balance XXXX XXXX  of dollars my game right now And top it off they shut up my online banking so I can't see what's Going on with my account So with them shutting down my online banking account I can't give you guys any kind of copies of anything
chase bank closed my account. there was a deposit made for {$2000.00} and I was told that the money was in when I called them on the XXXX of XXXX. I checked my account again on the XXXX o XXXX and again was told that the money was there so I paid out {$1800.00} and went on line and it showed that the money was taken out and I still had a balance left. That night I called to order checks and was told at that time that they closed my account because that {$2000.00} was put on hold and therefor I was in the hole. It was almost XXXX days after the deposit was made. I then called and made arrangements to make payments to pay them back. My retirement check was sent to them by XXXX and the person at chase that I contacted told me that since I had made arrangements to make payments they would send me the check in the mail. I called them again today and said that they kept the check and would not be sending it back to me. I do n't believe it is right for someone to tell me that and then the bank goes back on their word. They knew I needed the check so I could pay rent and get some groceries. That leaves me with no money and no food. I hope you can get them to keep their word. thank you ... .XXXX
I have a Credit Card with XXXX XXXX XXXX. after nearly 2 years of on time payments i made a payment with a work account which they rejected. No big deal BEFORE the due date i made another payment and not only did they close my account they reported me late on the Credit Bureaus. The payment was made XX/XX/XXXX ironically i made the payment XX/XX/XXXX and payment was not due until XX/XX/XXXX. You can never get anyone on the phone as my account has not been turned over to a " special deparment '' As i type this complaint i have been on hold for nearly 20 minutes trying to make a payment. Practices like this company go unchecked. They have committed an intentional crime not a mistake and i need help getting them to own " their '' mistake and correct my XXXX Transunion and XXXX In conclusion i was just HUNG up on while waiting to make a payment. Thank you
I have an unverified account from SUNRISE CREDIT SERVICES. I had previously disputed this account. I have never done business with SUNRISE CREDIT SERVICES. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that SUNRISE CREDIT SERVICES provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that SUNRISE CREDIT SERVICES Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
My income is very unpredictable, so I try and make as many advance payments as I can to prepare for when things get tight. My loan was just bought by Nationstar several months ago, I I have yet been able to make a single payment. They keep reversing my payment because they say I 'm paid too fare in advance. Every time I call them I get a different answer. They stated that they refuse to take an advance payment from me. I have never had a problem with any other mortgage company I have had. I 'm so scared I might lose my house, because next year I may not make the kind of money I 'm making now. Please help me force them to accept my payments. They keep reversing them and putting them to the principal, even though that is not what I specifically designated the payment to go to. I have called numerous times, and they do not seem to care. I just want them to accept my advance payments.
I enrolled in Santander Consumer 's autodraft for my auto loan. They advertise " sign up for auto draft and never worry about a missed payment '', so I did that. I paid 71 payments on time ( {$14000.00} ) using autodraft and was never told that the last payment ( {$240.00} ) had to be made manual. Santander refuses to listen to their recordings to see that they NEVER told me it had to be manual ; therefor it did not get paid until I was sent a notification that my credit score dropped. Why would I pay {$14000.00} ON TIME and not pay the last {$240.00}? I disputed it directly with Santander in XXXX and again XX/XX/XXXX with more information. I disputed it with the 3 credit bureaus in XXXX. They refuse to delete the late payment comments even though the account is paid in full. I am unable to get a home mortgage due to this recent late payment because it is so recent and this alone dropped my score 70 points. 

I was told many conflicting stories from Santander and I would appreciate if they would recognize their fault in this. Do not advertise never missing payments via autodraft, do not record conversations if it is not used for quality purposes, do not tell me it is resolvable when it you have yet to delete the late payments.
CRA violation no knowledge fraudulent accounts on my credit report. FTC ID theft report # XXXX
Citi Reported on my credit report that I was late on this account. I was never late on this account. They reported that I was late on XX/XX/XXXX ( 30 days late ) XX/XX/XXXX ( 60 days late ), and XX/XX/XXXX ( 30 days late ). Even more surprising was the fact on how they reported my information, which shows that they are not very accurate with their records and their reporting. 

What was even more confusing and especially very damaging to my credit worthiness is the fact ( proof will also be submitted ) that they reported me 60 days late on XX/XX/XXXX. This makes not logical sense. How can I be 60 days late in XX/XX/XXXX when I was a not even 30 days late the previous month???? 

Citi has proven an inability to report accurate information clearly by the aforementioned example and is hurting my credit worthiness. I dispute all late pays being reported by Citi. 

I will be uploading my XXXX  report clearly showing these negative inaccuracies. I believe that CITI is violating the FCRA and FACTA. 

I called XXXX  XX/XX/XXXX to dispute this information, so I know that Citi got my dispute and XXXX provided a report showing that the information came back as verified ( which is clearly inaccurate )
DEFAMATION OF CHARACTER Notice of pending litigation seeking relief of monetary damages under FCRA Section 616 + Section 617. Final written attempt to amicably resolve your continued willful violation of the Fair credit reporting act regarding your refusal to delete all of the UNVERIFIED/INACCURATE account information from my consumer file. Despite my three written request items listed still remain on my credit report in violation of Federal law. In the results of your reinvestigation you stated in writing " VERIFIED '' that these items are being " Reported Correctly ''. You still have not identified who verified accuracy and how the accounts were verified.
On XX/XX/2018 I registered with a third party company which checks eligibility to apply and get approved for credit cards. Unfortunately they applied for several credit cards from American Express on XX/XX/XXXX and XX/XX/2018 without my consent and because the request was denied I'm left with multiple hard inquiries on my credit report which is affecting my credit score
On XXXX XXXX a Payment of XXXX was sent to the IRS from my BANK ACCOUNT. Since then I have been disputing with the IRS and even sent a document from the bank proving that the payment has been made. The bank removed the dispute the transaction option from this payment and has not allowed me to dispute the transaction stating " THERE IS NOT A CATEGORY TO PUT THIS DISPUTE IN '' Whch is absolutely ridiculous. I want my money back NOW.
Wells Fargo reported wrong about payments made on their equity loan for XX/XX/XXXX and XX/XX/XXXX to the XXXX credit bureaus. They processed a XX/XX/XXXX payment before they processed a XX/XX/XXXX payment. This caused a 30 day late reporting to the different credit bureaus. In addition after forcing us to turn off paper statements so that THEY CAN SAVE MONEY, they continuously publish false information on their websites for when payments are due as well as their statements ( assuming one downloads them from the website ). They did the same thing for an XX/XX/XXXX payment for the same equity line when they published both on their website and their statements that payments were due by the XX/XX/XXXX when in fact they knew or should have known that this would create a false reporting of a 30 day late payment on all of our credit reports. This has cost both my husband XXXX XXXX and Myself {$1000.00} 's of dollars in higher credit interest charges and has made it impossible to refinance our existing mortgages. We have attempted to have Wells Fargo to fix this with at least 10 X notification that they have been reporting wrong. They have the duty to post accurate information on both their statements and their website..
I had a CD account with Citibank that is now closed. The account was closed approximately XX/XX/XXXX or thereabouts. A Citibank counter check or cashier 's check was issued on XX/XX/XXXX and cashed a couple days later XX/XX/XXXX. The payee was myself. However, I myself was not present at the Citibank branch on either of those days, nor did I authorize anyone else to close the account. ( I just found out about this fraud in XX/XX/XXXX when I went in to check on my CD account. ) Now that I am disputing the check, Citibank Manager is telling me the check is a fraudulent check which they trace back to a Delaware account for multiple fraud issue cashier check and I never had a account with them. Bank manager is telling me they can not locate any information or account number under my name or social security number. Unfortunately, I do not have the account number but I do have letter stating amount deposit along with letter stating when CD account will mature. However, because I do not have an account number and there 's no record showing up for an account under my name Citibank does not want to do anything for me. The challenge in this case is time, the account was closed in XX/XX/XXXX and it is now XX/XX/XXXX they 're telling me their record does not go that far back because it has been purged, not only that, there was never an account open under my name or social security number. Also, the branch I deposited the money at has been shut down, therefore, I had to go to a different branch location. I have try everything from calling customer service to talking to branch manager to filing an " affidavit of forgery '' with no luck. Now I am stuck with filing a police report and waiting to see what happen with my case. I believe this is some sort of fraud within Citibank employee because I know I deposited money into a CD account with Citibank itself.
I am trying to get a loan modification or HAMP, Principal Reduction Alternative and Bayview Loan Servicing says I am not eligible for a loan modification because I did a XXXX-Out Refinance transaction in XXXX and had equity in the property which was fully paid on XXXX XXXX XXXX. I applied for a trial loan modification when XXXX XXXX XXXX was servicing the loan and was approved for a Loan Modification as per the attachment on XXXX XXXX XXXX. For some reason unknown since this loan is with the same investor they will not review any option for a loan modification. 
Please advise how I may save or keep the home because Bayview Loan servicing is saying that I need to pay the past due balance in full to reinstate the loan. 
Currently the home is not in foreclosure. Please advise any option available regarding a loan modification for to keep the house from Deed in Lieu, Foreclosure or Short Sale, my cell at XXXX XXXX XXXX
Bank Of America Have Become Very Inhumane And Their Fees Are Just Unjust! In Less Than XXXX Weeks I Was Charged XXXX Fees Totaling {$490.00}. Some Of These Charges Are For The Same Items - Same Item Charged XXXX Fees ( Fee Charged For Paying Item, Fee Charged For Un-paying The Item And Then A Fee Charged For Overdrawing Account. Called Bank Of America And They Were Not Understanding Of The Depressing And Hardship These Fees Have Caused.
There is a negative/delinquent item on my Experian credit report. It ONLY exists on my Experian report. It recently showed up in XX/XX/XXXX. This new item dropped my score from XXXX to XXXX. I tried disputing it through the bureau, but they did not resolve it. 

From what I can tell, the company does not exist. The phone number on the Experian report for the business does not work. I check the address and there is no company that exists at that address. In fact, the address is currently for rent when I googled it. 

The Company is : XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX According to Experian- It says it was an education loan opened XX/XX/XXXX. 
The opening balance was {$0.00} It says that I failed to pay in XX/XX/XXXX. 

I never had this account and don't know what it is. As I mentioned earlier, it showed up out of nowhere a few months ago. 

Also what makes this weird is how can one fail to pay a XXXX  balance? 

I attached 3 screen shots : 1. Shows the account on my credit report, you can clearly see the opening balance was XXXX and it is negative in XXXX 2. I attached a screenshot of Experian saying I can not dispute this again, I tried calling and they forwarded me to you 3. I attached a screenshot of the address listed on the Experian report is currently vacant and for rent as of XX/XX/XXXX supporting my claim that this is a non-existent company
XXXX, NY XXXX, NY XXXX These are not my address, They are my son, XXXX. 
Also there a charge for XXXX for {$1100.00} This is not mine, It my son also.
I had a credit card with XXXX XXXX with my spouse ( joint account ) which he added me to his account. Now the account shows closed with {$180.00}. In XX/XX/XXXX my spouse check his credit report and it showed Applied bank on his report. In XX/XX/XXXX he check his report and applied Bank was off his credit record, but it's still on my credit record. I ask few times to have TU check this out, no outcome, still on report
Legally paid in full for less than the full balance ... this is a false and inaccurate statement that Experian declines to remove from it's records, and I recently received a letter stating that they will not reinvestigate this claim again ... yet they have failed to forward me any document or original contract with my signature or a name of the verifier ... this is against F.C.R.A. law and violates my rights ... this was not a charge-off or collection ... I paid this account as was agreed upon ... 

XXXX XXXX XXXX  XXXX
This is the second complaint files with cfpb regarding the same problem Cfpb closed the other complaint  (  #  XXXX   ) b efore any resolution was made. The original complaint was that my loan mortgagor failed to provide a {$5000.00}  XXXX  incentive on   XXXX   XXXX   claiming that I had not filed Treasury forms. The forms were in fact filed, and Nationstar Mortgage has tracked them down due to my last complaint and said they were going to send them to the Treasury, and that barring any mistakes in their filing, I should receive the incentive by   XXXX   XXXX   XXXX  . I have called my customer service representative  (   XXXX   XXXX   XXXX   ) at    Nationstar and have left two mess ages for her to call me regarding and update on her progress as the incentive has yet to be applied to my account.   As of   XXXX   XXXX   my mortgage will increase which is based on my principle balance. This balance should be {$5000.00} lest than the number they are using to calculate my new payment. It also should have been used in   XXXX   XXXX   XXXX   to calculate the increase which was imposed back then.   In short, I filled in and sent the appropriate forms for th e HAMP incentiv e in a timely manner, and the incentive was to be " automatically '' deducted from my principle on   XXXX   XXXX  .  Nationstar failed to sen d in their Treasury forms regarding my incentive, and have calculat ed two ( 2 ) year s of mortgage incorrectly. And their customer service representative  (   XXXX   XXXX   ) re fuses to return my phone calls.   Supporting documents have been sent to cfpb when filing the previous account.
I have an identity theft case going on they have made 28 inquiries, applies for payday loans, car loans. Etc etc
Dear Sir/Madam, I am writing to express my concerns about a behavior of Scottrade Bank and their affiliates which may have adversely exposed my personal information and lead to identity theft and fraud. 

Specifically, in going through my records in order to better understand how I could resolve ongoing identity theft, I discovered that when applying for a bank account at Scottrade Bank, Scottrade Bank improperly handled a number of documents which had very personal information on them. The actions of Scottrade Bank not only broke from the current standards of data security but also broke Scottrade Bank 's internal policies regarding handling customer information. 

Specifically, on or around XXXX XXXX, 2013 ( XXXX XXXX ), XXXX XXXX, a regional manager from Scottrade Bank offered to receive Scottrade Bank account application documents via email. Email is a notoriously insecure medium of communication yet XXXX XXXX allowed and offered to receive the documents via email, despite the fact that it was against Scottrade Bank 's internal policies and does not have any of the normal safeguards in place to handle personal customer information. The XXXX XXXX, 2013 email contained PDF attachments that included my full name, signature, address, bank account numbers, Social Security Number, and other very personal and sensitive information. 

As is clear by Scottrade 's online disclosures and policies, Scottrade Bank states that it will never transmit customer information over email and or ask for or receive personal information via email, however, XXXX XXXX, a manager at Scottrade encouraged me to send the information by email to expedite the process, with no disclose of the security concerns. 

I am writing today to ask Scottrade to explain why they let my personal information be transmitted in a way that puts me at significant risk to identity theft. I would also like to know what the current status of the email and personal information is, has it been deleted, has it been accessed, are emails records secure, who could have gained access, was the email accessed via HTTP or HTTPS, was it confirmed a secure connection? 

The actions of XXXX XXXX, put me at my personal information at risk and could have likely been the direct cause for hackings that happened weeks latter and accounted for over XXXX of fraud.
XXXX XXXX XXXX XXXX XXXX has me listed on my credit report as being Late in XX/XX/XXXX. My payments for XX/XX/XXXX, were {$87.00} For my loan and {$88.00} For my credit card. I paid {$200.00} on the loan and, {$160.00} on the credit card, but yet on all 3 credit reports, it has my XX/XX/XXXX payment for my Loan and Credit Card as late for XX/XX/XXXX. I have called the XXXX XXXX XXXX XXXX repeatedly, and disputed the error, I have emailed them to their company as requested " XXXX " and have gotten no response to the emails, and rude, offensive customer service, regarding my complaint. When I call. I have also called, Equifax, XXXX, and XXXX. Neither XXXX XXXX XXXX XXXX XXXX, Equifax, XXXX, nor XXXX   have correcited this on my credit report. I have disputed this 5 times with each, with no correction.
AS IS REPORTED BY YOU OFFICE DITECH IS NR XXXX OR SO ON THE LIST OF THE U.S. WORST COMPANIES FOR COMPLAINTS OF FRAUD BY CONSUMERS. MY LOAN WAS ORIGINALLY WITH XXXX WHO TURNED IT OVER TO XXXX, WHO TURNED IT OVER TO GREEN TREE WHICH IN TURN WENT UNDERGROUND AND BECAME DITECH. XXXX ITSELF IS NOT MUCH BETTER. MY LOAN IS A SIX AND ONE HALF PERCENT LOAN WHILE THE REST OF THE U.S. IS IN THE ONE TO TWO PERCENT RANGE. IT IS A NO RISK TO DITECH XXXX XXXX LOAN.. I HAVE REPEATEDLY ASKED FOR AN INTEREST ADJUSTMENT BY DITECH XXXX AL. THIS IS A XXXX COMPANY WHICH ALSO OPERATES UNDER THE " DO IT TO OTHERS BEFORE THEY CAN D IT TO YOU '' COMMANDMENT AND THE BUSINESS MOTTO OF '' PREVARICATE, CHEAT AND PURLOIN '' THE LATEST COURT ACTIONS ARE PART OF THE CONTINUING EFFORT LOAN COMPANIES TO PERSECUTE XXXX XXXX AND THE CFPB, THE ONLY GOVERNMENT AGENCY THAT TAKES THE SIDE OF THE TAXPAYER AND CONSUMER. 
THE CONGRESS ITSELF IS PUTTING IN MAJOR EFFORT TO AUTHORIZE LOAN COMPANIES TO DRAIN THE BLOOD OF THE TAXPAYERS. I WOULD BE WILLING TO BE A WITNESS FOR CFPB AT ANY CONGRESSIONAL HEARING ON THE SUBJECT. DITECH EFFORT AGAINST ME IS ALSO XXXX ABUSE AND AGAINST CIVIL RIGHTS
My husband and I decided to fiance a new car through the dealership. I was unaware however, of how many hard inquires the company actually performed. I just recently found that a total of XXXX hard inquiries were performed, XXXX for TransUnion and XXXX for XXXX. 
Because I was only aware of XXXX inquire, to be made by the dealership itself, it is my hope to dispute and remove these other hard inquiries as they were performed without my permission and have damage my credit already.