WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2017, at XXXX XXXX, I went to the Wells Fargo Branch located at XXXX XXXX XXXX XXXX XXXX FL, XXXX, NC, XXXX to withdrawal cash in the amount of {$30000.00} from my personal checking and savings accounts. 

I was promptly told by the teller that I would have to sit down with a Banker to discuss taking that kind of money. I explained that I did not need to speak with a banker to withdrawal my funds. She then went to the manager who said they did not have enough cash in their vault and offered to give me {$10000.00} cash and the rest in a cashier 's check, which I would be charged for. 

I explained that this is unacceptable. 1 ) I should not be charged to take money out of my account, 2 ) I should not have to visit multiple banks to take out my cash, 3 ) I should not have to speak with a banker, so he can ask questions why I am taking cash out while he markets products to me. 

The manager said he would call other branches to see if I could visit their branch, and I declined. See # 2 above. The only other option was to take a cashier 's check where funds would be available next day ; however, I believe I should have access to my funds on-demand within reason. I do not think it is unreasonable to take out {$30000.00} cash for my own use without being charged.
Purchased a home in XX/XX/XXXX. First and second loan was with XXXX XXXX.

In XX/XX/XXXX we modified our 1st loan with XXXX. We asked about the 2nd loan/HELOC with XXXX and the XXXX representative said our 2nd was written off.

XX/XX/XXXXFiled Ch XXXX bankruptcy XX/XX/XXXX - Trinity Financial Services claims they own the 2nd mortgage/HELOC. Hounding to pay $ XXXX+ to bring current or pay off $ XXXX+ XX/XX/XXXX XXXX XXXX from XXXX XXXX confirmed our 2nd Mortgage/HELOC Chase loan # XXXX was " written off '' on XX/XX/XXXX.

Through my own research of calling the companies involved, I found that on XX/XX/XXXX XXXX XXXX XXXX   transferred 2nd deed to XXXX XXXX and XXXX XXXX XXXX ( now XXXX XXXX XXXX XXXXXXXX ext XXXX ), although the Trust hadn't been created until XX/XX/XXXX.

XX/XX/XXXX XXXX XXXX/XXXX XXXX transferred to Trinity Financial oXXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX. - XXXX   It literally took 4 hours on the phone with XXXX  for them to find it was sold to XXXX XXXX, which is now XXXX XXXX XXXX   XXXX XXXX said they bought it from XXXX XXXX on XX/XX/XXXX, then sold it to Trinity XX/XX/XXXX.

I don't understand how XXXX XXXX  received the deed to begin with. The recorded papers filed with XXXX XXXX County do not match up either. Only filings are the initial purchase recorded XX/XX/XXXX between XXXX and myself and then nothing until two recordings onXX/XX/XXXX. The first, DOC # XXXX looks as if the companies stamped in their information and it still doesn't make sense. The " Note dated : '' is incorrect. The date of the Trust is XX/XX/XXXX, yet the letter was signed and notarized on XX/XX/XXXX The second one is between XXXX XXXX and Trinity Financial Services and this letter was dated XX/XX/XXXX.

Even if Trinity turns out to have a legitimate claim to this heloc, they have only offered us two options to avoid foreclosure, come up with {$94000.00} to reinstate the original loan or pay off the total for {$260000.00}. Given we thought the loan was forgiven almost 10 years ago by XXXX  ( XXXX Representative and a XX/XX/XXXX loan statement balance of XXXX  ) and lack of transparency, we find this unreasonable and unfair.
I was informed my name would of came of on this Mortgage with Bank of America. I submit all proper form I don't reside at the XXXX, Florida that showing my name. It's 5 years my name is on Credit Bureau please help me get my name of the mortgage. Here 's my Email address XXXX XXXX, XXXX
Transunion reinserted XXXX accounts that was not verified nor validated. I contacted XXXX and XXXX Both these accounts where removed : XXXX was removed XXXX, XXXX, XXXX and XXXX I assume bought the XXXX account and TransUnion put that account back on my credit when they took it of on XXXX XXXX, XXXX. I checked my credit and both are back on my credit as of XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX both accounts were put back on my credit. These accounts were not verified nor validated. Transunion did not verify there method of verification meaning who they actually spoke to or the documentation they have to support there verification. E-Oscar is not valid verification. I asked for validation from both collection agencies and got no response with in the 30 days allotted nor after the 30 days. This information need to be deleted asap.
I was notified by Chase bank in mid XX/XX/XXXX that they were closing all XXXX credit card accounts that I have with them. I called their customer service and even went to a local Chase branch, but got no clear answers on why my cards were closed. Customer Service is appallingly bad and useless. A few weeks prior I had reported to Chase that XXXX of my cards was used fraudulently for a balance transfer of {$3500.00}. I suspect this has something to do with why they closed my accounts, but again they do n't want to give me any details. My identity was stolen, it 's not my fault, but Chase seems to think I 'm some type of security risk. At this point I do n't care about the cards, but I told them I have outstanding balances I need to pay, in order to maintain my excellent credit score. They told me someone would get in contact with me but no one has and I can no longer login to the Chase website to pay my bills, but oddly I am still receiving email alerts that my bills are ready to view and pay. So their website design is just as bad as their customer service. Why am I still receiving these emails if I 've been banned from logging in to pay? I need Chase to MAIL my bills to me for all XXXX cards so I can pay my bills. ALSO, my Chase XXXX card has a {$95.00} annual fee that I just paid in XX/XX/XXXX. The card was canceled by Chase along with the other XXXX in XX/XX/XXXX, so Chase owes me {$95.00} for a card that I can not use. They need to send me a bill showing the {$95.00} credit, then I will pay my remaining balances and be done with Chase forever.
Chase closed my account with out warning..been struggling to pay but have been making min payments each month ... as my credit score decreased they increased my percent interest and lowered my credit limit
I applied for a loan to purchase some recreational property and when the bank did a title search on the land it came back stating I had a default judgement against me in the amount of {$1200.00}. So the bank denied my loan. When I asked for a copy of the judgement it does not state who creditor was but it was entered on XX/XX/XXXX.I never received anything in the mail about this and I have lived at the same address for the last XXXX years and was living here when this was entered.My son and I have the same name except he is XXXX and I am XXXX.The Judgement says our full name and a.k.a. XXXX on it.The debtor address is an address where my son used to live.He has horrible credit my credit is good and this Judgement did not show up on any of the XXXX credit reporting agencys on my credit. I went to our court house and tried to get it removed they would not, I went to the title company they said For {$75.00}. dollars I can file an affidavid stating that then bring it to court house and for {$40.00} dollars more I can have it filed. I am not paying a penny for a debt that is not mine. I contacted the Head Person for our county and he said I should hire a lawyer. I tried to contact the plaintiff listed on the judgement the phone number I was given says it can not be reached from my calling area. I google the address and it comes up as a different business when I tried to call the number on the ir websight it says this is a working number but no one ever answers and there is no voice mail.I googled the names of the XXXX attorneys and the law office they are from and I can not not find them in Minnesota. They are supposed to be in XXXX XXXX.And in Minnesota it says that after XXXX years the judgement has to be dropped and it was entered in XXXX and this XXXX.
After losing my business and enduring financial hardship I called US bank for help and was told nothing could be done for me unless I was in default. After going into default I went through the Mortgage Adjustment Program ( MAP ). The first time through the payment was very near the original payment and with only about 30 days notice I was unable to begin the trial period. I submitted a second time with only my income as my wife and I separated and she no longer lived on the premises or shared in the costs. I was approved and received final MAP agreement around XX/XX/2017. I have until XX/XX/XXXX to accept. The bank has added $ XXXX to my principal for missed payments. There is no discussion or negotiation. My principal went from {$140000.00} to {$180000.00}. When I inquired, I was told that they simply tacked on 41 missed payments to the end of the loan. The predatory nature of this is that I did not BORROW more money, I missed payments. Logic would dictate that I would be charged interest for the 41 missed payments, not the amount of each payment including the portion that would be applied toward the principal. I am being charged my own principal payments??? How is this legal?
I received confirmation from HSBC that my request for a loan modification had been approved as of XX/XX/XXXX. After asking several questions regarding the modification, it is clear that the modification will cause more harm than good. The STEP modification will reduce my interest initially then step back up to almost 6 % in 3 years putting me back in the same situation I am in now and will increase the maturity of my loan from XXXX to XXXX. I made in effort in good faith to request the assistance from HSBC but it seems they have only increased the hardship through this modification instead of providing assistance. This is an unfortunate matter to which I would like a resolution.
On XX/XX/XXXX we were processing of Refinance of my house. The Loan Office request me to pay the fee for the Appraisal for {$500.00} and the HOA form for {$200.00}. I did talked with her that the Loan is not approved yet, I only want to pay the fee for both after the Loan is approved. But she keep asking me to pay the fee instead they do know that they don't need to collect that fee until the loan is approved. Finally, they charge me {$500.00} for the Appraisal and {$200.00} for the Form of HOA. After they denied my loan, I called and ask to refund the fee for Appraisal and the fee for HOA form. They promised to refund but up to now I didn't receive any things from them. 

I'd like to ask The CFPB to protect us for PNC treating unfairly to us. Thanks for you concern. 

Best Regard, XXXX XXXX XXXX. I attach here the two documents in which the first one is the HOA form, they order. 
The second document is the Letter of PNC to order the Appraisal for your review
On XXXX/XXXX/17 I sent a document to TransUnion requesting proof that they had verified accounts on my credit report prior to reporting the information. Since then they have not provided the data requested but states that these accounts have been verified without any proof of verification as requested. Please direct Transunion to promptly remove the unverified items from my credit report. I have attached copies of letters sent to them and their response which is proof my dispute was received.
I have two accounts - personal and business. I have also a credit card from Bank of America. XX/XX/XXXX was the due date of the credit card. I deposited {$110.00} the same day and made {$25.00} dollars payment towards the credit card, later that day. I told an employee of the bank that I deposited {$110.00} and not to charge me any fee. She told me that she could see the amount but she said, '' it is not posted, your are not going to be charged late fees ''. Meanwhile, I transferred {$12.00} or {$11.00} dollars from one account, in case to avoid late fee charges. 
On XX/XX/XXXX, I called credit card unit of the bank and asked the reason of the balance never reducing, in spite of my regular payments. 

A lady told me that my credit card balance is not reduced, because, '' first, there is a late fee, second, out of $ XXXX monthly payment, {$10.00} is interest charge and the rest {$15.00} reduces the card balance. '' My argument is this : The bank confirmed that there was a deposited check of, {$110.00} that day, on XX/XX/XXXX, but added a late fee. The reason was the bank did not post the depot, the same day, and I was charged {$25.00} dollars late fee. I think, it is unfair and unreasonable to penalize the customer for its own short fall, not posting the deposit. 
I am writing this, it is not because of {$25.00} dollars significance but, to bring to the surface the absence of fairness and good business practice.
On or about XX/XX/2018 i called capital one to begin resolving an old debt of {$430.00} was referred to XXXX XXXX XXXX  and made arrangements to have {$40.00} taken from my debit card every month until debt was resolved gave the man on the phone my name ss # amount to be taken debit card number, expiration date and security code. Completing what i thought were legitimate payment arrangements since that day i have recieved daily harrassing phone calls and today XX/XX/2018 i recieved a dilinquent notice. I immediately called XXXX was told they never recieved arrangements. I asked to speak to a supervisor she informed me that i agreed to pay {$71.00} which i did not. I asked for copies of my phone calls, i would have to wait until friday i tried to explain my predicament and was met with more harrassment from the supervisor telling me i told the rep. I lost the card made agreements i didnt make and i would be held to what information was falsely written on my account. Account At which point i became very angry and hung up the phone. I called them to settle my debt, become healthy financially. My name is XXXX XXXX XXXX the acvount number in question is acct. # XXXX thank you for your assistance in this matter!
This company sent me a letter stating that they couldn't open a bank account due to information below. When I contacted the company they have yet to send me a report.
I have disputed XXXX XXXX Ref # XXXXwith the credit bureaus and requested debt validation for this account. To date, I have not received proper debt validation documents and this company is depriving me of my rights. Furthermore, why would XXXX  and XXXX  delete this account if this account is verifiable and correct? I sent a letter requesting debt validation XX/XX/ 2017 and never heard from them. Attached to this complaint is a copy of the letter I sent this company.
I have received unwarranted collection for ( 2 ) student loans from XX/XX/XXXXthe company NAVIENT says it bought because we did not include in our CHXXXX  bankruptcy plan which was just discharged in last 30 days. How convenient, what a predatory company this is. 
I have paid all student loans and do not owe any which is why it was not part of the plan. 
They have sent several mailers with pay stubs and terms which show the last month of approved forbearance making this seem real but in fact nothing about this is real! 
I have in last 3 years pulled ( 2 ) parent loans through XXXX XXXX XXXX for my children college loans which would not be possible if I still owed on the same student loan program.
i submitted a dispute with equifax. they emailed me and said they have the results and i can view them by clicking on icon. i did this and filled out all my personal information, which i am sure is correct i did it 5 times. twice it let me get it to a questionnaire section, with i answered all the questions. the all were on accounts supposedly on my file. this brings a new concern and complaint. i have not applied or opened any accounts from XXXX till XXXX the first account applied to was in XXXX all the questions say i have accounts opened in this 11 year period which would be false. so they wont let me access the results or information or give a number that i can call to speak to somebody to begin to straighten out this mess. this is very aggravating especially know all the credit fraud thats going on, and this is supposed to be the source to correct any, what a joke.
There were errors on our closing disclosure that is causing us to pay more then the stated amount of {$00.00}. As per the  CD we were to receive {$1500.00}, but due to the errors on the CD we are n ow having to pay {$1000.00} due to a short caused in our escrow account because of the errors on our  CD., As p er  TRID " If  amounts paid by the consumer exceed the amounts specified  under paragraph ( e ) ( 3 ) ( i ) or ( ii ) of this section, the creditor complies with paragraph ( e ) ( 1 ) ( i ) of this section if the creditor refunds the excess to the consumer no later than 60 days after consummation, and the creditor complies with paragraph ( f ) ( 1 ) ( i ) of this section if the creditor delivers or places in the mail corrected disclosures that reflect s uch refund no later than 60 days after consummation '' Though while a  BBVA broker as acknowledged the errors on the CD via email, BBVA has yet to refund the amounts we are short in our escrow or deliver a corrected disclosure 60 days after consummation. BBVA has instead played stupid and claimed that because the Title company will now show them proof of paying the full premium they somehow are not liable for the errors on the CD. Please find our Homeowner 's insurance cancellation letter that was sent to BBVA on or about    XXXX / XXXX /  XXXX  . Yet to dat e BBVA has refus ed to comply with the TRID as required by law.   A creditor or assignee has no liability under this section or section  1607 of this title or section 1611 of this title for any failure to comply with any requirement imposed under this part or part E, if within sixty days after discovering an error, whether pursuant to a final written examination report or notice issued under section 1607 ( e ) ( 1 ) of this title or through the creditors or assignees own procedures, and   prior to the institution of an action under this section or the receipt of written notice of the error from the obligor, the creditor or assignee notifies the person concerned of the error and makes whatever adjustments in the appropriate account are necessary to assure that the person will not be required to pay an amount in excess of the charge actually disclosed, or the dollar equivalent of the annual percentage rate actually disclosed, whichever is lower. Here  BBVA has not done so and has only demanded that we pay the shortage that was caused by the error on the CD and so that now we have to pay more than the stated amount that was on the CD. This is a direct violation of TRID and has caused us harm in that we are being forced to pay more than the amounts stated on the CD. This should entitle us to any actual damages sustained by such person as a result of the failure ( namely the {$1000.00} and ; ( 2 ) ( A ) ( iv ) in the case of  an individual action relating to a credit transaction not under an open end credit plan that is secured by real property or a dwelling, not less than {$400.00} or greater than {$4000.00} however determined by the CFPB.
In response to Transunion 's multiple glitches in XX/XX/XXXX and XX/XX/XXXX relating to " disappearing '' and " reappearing '' inquiries, I requested the removal of the inquiries from my credit report as I felt the information on my report was n't being securely stored or accurately reported. I called transunion and they were not able to remove the inquiries on my report.
I recieve XXXX payments on the " direct express " debit card from " COMERICA BANK '' this morning I attemped to pay my monthly bills as usual only to find that {$800.00} was stolen from my checking account. I called customer service and the bottom line from them was, we will send you documents in the mail in XXXX business days to fill out and return. Then they will begin an investigation and in XXXX days they will decide whether to restore funds or not. so, im XXXX, I have no children and no savings and no rent or medical premium or food. can you please help? besides calling landlord and others i owe to ask them for more time due to stolen funds, what can i do or where can you refer me to at least pay my medical premium
Hi, I opened a XXXX account back when I first turned XXXX years old with my parents which was around XXXX of 2014. We opened 4 lines and I was not aware my social security number was being used when the account was open. We had the service for about a year and then we decided to move carriers. We kept the phones and used another service which was still under the ambrella of XXXX. A year later XXXX  collection agency kept calling informing me we owed money on the phones, which where already paid for. Now three years later Im still constantly getting calls, being harassed even though my number has been changed and Ive moved to a whole different phone carrier. Please help me remove this from my Fico credit report since its making a huge impact on my score.
credit report pulled for initial process for mortgage loan. Loan was approved for the amount {$300000.00}.

1. XX/XX/XXXX : received E-Document with two separate disclosures. The first disclosure was listed as the " initial '' disclosure with the second disclosure noting the rate locked at 4.6 % with closing date set forXX/XX/XXXX.

With closing date set forXX/XX/XXXX and move in date of XX/XX/XXXX, we were then able to schedule a date for vacating rental property, moving company, transfer of utilities, postal service, etc.

2. As credit report would have been expiring before closing, a new credit report had to be pulled. I received word via email on XX/XX/XXXX that the rate had increased to 5.1 % which would note a {$74.00} increase in monthly payment. I agreed to the increased rate that same day. No disclosure was received that day.

3. On XX/XX/XXXX, I received email from Suntrust stating that my file was cleared to close with a closing date of XX/XX/XXXX.

4. It was not until XX/XX/XXXX @ XXXX that a second disclosure was received indicating that the rate was increased and the date for closing remained XX/XX/XXXX.

5. It was not until 4 hours later that I learned that the closing date had been changed to XX/XX/XXXX. The notice for the change in closing date did not come from SunTrust but came from my realtor. I still have yet to receive any official change for closing from SunTrust.

I am a XXXX XXXX  and have to really manage schedule tightly and can not cancel patients at the last minute. My wife is a XXXX XXXX and can not take off from work without at least 2 weeks notice. We work late hours and can not accommodate standard business hours. The previously scheduled closing date was done far enough in advance to adjust our schedules to accommodate others. Now, we have unnecessary fees and expenses as we now have to reschedule all of the previously scheduled transfers, movers, etc. I now have to urgently cancel patients from my schedule on XX/XX/XXXX in an effort to be moved out of the rental property by XX/XX/XXXX Additionally, the lack of organization and negligence in which SunTrust has handled this mortgage has added unnecessary stress.

Not only has SunTrust 's negligence added financial and emotional stress, this amount of stress exacerbates my spouse 's underlying medical condition which could possibly result in loss of employment and unnecessary medical expenses due to physical decompensation.
my purse was stolen and i made a police report. since then there has been a couple of cell phone accounts made in my name. collection company after collection continue to buy this old debt and try to collect from me.