WillisBack/dataset-financial-user-claim huggingface dataset:
On X/XX/2017 I opened a Certificate of Deposit ( CD ) account with XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. At the time of opening this account, the bank Assistant VP, XXXX XXXX, told me that the rate of the CD was 5.25 % and I could open a cash secured line of credit ( LOC ) for the same rate of 5.25 %. 

He told me this in order to encourage me to open the CD account, as I thought my money would earn interest and I still would have access to the same amount of money in the LOC account with the same interest rate. I thought that was a very good idea to do that. 

A week after I opened the CD account on X/XX/2017, On X/XX/2017, XXXX XXXX sent me an email saying that he had quoted me an incorrect interest rate, and instead of 5.25 %, my interest rate was only 3.24 %. 

I was very upset about this situation, and at that time, I wanted to terminate my relationship with the bank. However, I thought I was stuck since I had already opened my CD and if I wanted to pull my money from that account I would have to pay penalty. XXXX XXXX did not advise me that I could have closed the CD account without any penalty upon the disclosure of the correct rate. 

Recently, as I am trying to close this CD account, the bank refuses to do that unless I pay them a hefty penalty. I have involved the bank escalation process and they have talked to the regional manager, but the bank still refuses to close the CD account without penalty. 

XXXX XXXX XXXX is a fraud and he misrepresented the true rates of the CD and LOC to me back in XXXX 2017. Once that he had me locked down with the CD, he changed the interest rate. He made sure I could n't move my money and then he changed the interest rate.
got a student loan XX/XX/XXXX never graduated but XXXX sent certificate anyway the loan was for XXXX moved around a lot but finally tracked down. i paid when i could and when i could not they snatched my and my husbands federal and state taxes which totaled over XXXX dollars.then XXXX sold the contract to navient and i still owe XXXX dollares now navient is going to garnish my wages again thank you for any help you can give me XXXX. XXXX. the school was computer processing institute in XXXX ct.
I received a letter From Macys explaining my account was delinquent by three months. 
This is the first notice I had regarding the issue, no bill were sent to my email, and I was tild they tried to contact me by phone, they were using an old number that no longer was in sevice. I was charged several late fees, XXXX which was removed. I paid the balance due immediately to avoid any credit damage. I was told the account was paid in full at that time, they offered to connect me with another part of Macys to see about further reducing the late fee. When I talked to the next person I was told they would not reduce the fees and the account was paid in full ( XXXX ). I then received a bill beginning of XXXX stating I owed {$1.00} to the account, still not sure why but I paid it. My balance is still showing I owe {$2.00}. 
I recently had my credit run as was denied a loan based on the the information Macys is reporting. Three months delinquient on payment, all this over owing approximatetly {$160.00} and me paying as soon I was aware of the situation. I have a long credit history with Macys and my accounts have always been in good standing. This report has ruined my credit score and long standing good credit.. I would like a resolution, and have since closed the account with them. I will no longer shop or support their stores.
For the past two weeks I have received repeated emails from Capital One informing me that access to my " on line is locked for too may attempts to log in ''. I have called Capitol One, and have spent far too long on the phone to communicate/explain that I do not use my account for on line payments or for banking. I have asked for my account to be closed, which, at this point the agent panics, and forwards my call to a fraud management process that makes it impossible to get an answer on where, whom, and how someone was trying to access my account. The agents insist repeatedly that it is me trying to login in with the wrong password, and I repeat over and over again to the several customer reps that I have NOT tried to log in! It is a vicious circle that leaves me feeling helpless, and unable to have control of the security of my finances. 

( 1 ) The XXXX notice was received on XX/XX/XXXX notifying me that my on line access to Capital One 360 Banking account was locked for too may attempts to log in. I do not have such an account!, nor did I try to log in! I contacted them on XXXX/XXXX/XXXX to ask what was going on, and after XXXX hour on the phone they said it was a mistake! It is clear that someone was trying tool in to an account in my name, and they Capital One has no idea how to deal with the situation! 

( 2 ) The XXXX notice on XX/XX/XXXX informed me that my credit card account was locked for too may attempts to login on line. I was on vacation, did not try to access my account on line ( never do ). Called on ( XXXX ) to try to fix the situation, and was sent into another endless parade of customer service agents whom have no idea of what they are doing or what they are taking about. 

Seeking CFPB 's assistance in making Captiol One fix what is wrong, and find a better way to communicate with customers ... ... especially using agents that are american, and are not reading from a prepared script. 

I plan to close the account, but still want answers form the head of Capital One as to what was happening with my account. Thanks.
In trying to sell my residence, it was discovered that a judgment from XXXX XXXX ( no longer in business ) was on my house. The attorney who filed this was XXXX XXXX, who I found out today was deceased. I have had an attorney looking into this, and she also is not getting anywhere.This judgment was on XX/XX/03 in the XXXX County VA XXXX XXXX XXXX XXXX. I have contacted Dominion Law ( XXXX ) XXXX ) after speaking to someone in the XXXX XXXX office ( XXXX ) XXXX ) for them to only tell me, they have spoken with my attorney and myself about this matter, and they do not longer have access to this case. I am now stuck in the middle of an industrial park with no way to sell my home.
I have disputed many things in collections on Equifax and they all come back " verified '' - some of the things, the original creditor information has already been deleted and removed from all XXXX due to SOL or unable to verify the account info. I have disputed the same things with XXXX XXXX AND XXXX, and they have all come back DELETED XXXX XXXX XXXX XXXX and an XXXX XXXX accounts have all been removed from the other XXXX, I even called XXXX myself and they can not locate any of my records, if I ca n't get them, how are they verifying ... this stuff needs to be removed NOW if they can not verify. XXXX of the XXXX accounts ( Salute / Tribute ) by FTC ruling they are not allowed to collect on these charged off accounts, but yet they remain - This is beginning to be bs ... the other XXXX removed them no problem. Even on XXXX the XXXX account is PAID and CLOSED as of XXXX 2010
Called office line on XXXX/XXXX/XXXX from XXXX - XXXX. Inquiry regarding to a closed Credit Card from XXXX. We asked company to send the notice in writing, continually called and harassed office staff. Profane language and repeated calls.
Equifax has been non-compliant with removing the unverified account Chapter XXXX Bankruptcy XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that Chapter XXXX Bankruptcy was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
On  XXXX   XXXX ,  2016   XXXX   XXXX   XXXX  submitted a bill to the credit bureaus in the amount of {$30.00} that I had no knowledge of and it also did not belong to me. I have tried disputing this account several times and nothing seems to happen. I 've also requested verification for this account which the company has not provided me with.
Transuion credit reporting drop my credit score while I had no collections or negative items on my account. Transuion and XXXX said because I paid off my full XXXX XXXX account I lost my good credit score. But Days later I opened the same account again with a new balance.
CFPB team please review Citibank issued Credit card ( Citi DoubleCash Card ) I was recently found out that my credit card transactions were coming up declined and after calling the customer service I found out that Citibank has decided to close my credit card on XX/XX/XXXX It is understood that Citibank has right to close my credit card but with a notice of upcoming closure. They should have given me few days to redeem my rewards that I have legal right to earn as per your terms and conditions across all these years I have had service. In-fact I have accumulated thousands of dollars of charges on the account for which Citi has charged up to 4 % to each merchant i did business with. For tens of thousands of dollars in purchase at the end of the year I earn the Cash back that Citibank stole from me. 
I called customer service on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. They are not ready to help. 
I have my rights to redeem my cash back rewards back for each one of these cards : Citi Double Cash Card XXXX $ XXXX {$250.00} Cash Back that was never credited back to the account for purchases I had made until XX/XX/XXXX I send a letter to Escalation customer service and the citibank via USPS mail on XX/XX/XXXX. There was no response received. I had requested all my cash back on my account to be redeemed and credited back to my bank as a ACH payment or check to be issued. Citicards & Citibank is refusing to give me the cashback for which they had clear terms and conditions to honor their rewards. 

It is unjust and unethical for Citibank/Citicards to forfeit my points i collected for past 1 years paying high interest rates for the charges. 

I am looking for a legal decision to be held against Citibank to make these unjust decisions and stealing my benefits. 

Regards, XXXX XXXX XXXX
During XX/XX/XXXX/XX/XX/XXXX the security of my XXXX XXXX GCs ( XXXX $ XXXX {$17000.00} ) funds loaded was compromised. 
On XXXX XXXX 2016 a PPD dispute and request for replacement cards were filled. 
I have received some random replacement cards, repeated FAX request for remaining balance and detailed statement / ledger copies by mail are ignored. This is my request for 'Refund Check ' of the remaining balance and detailed current statement..
My wife and I were both involved with the security breach at Equifax and our credit is at risk. We both signed up for Equifax 's free credit monitoring - Trusted ID premier. We both established accounts on their web site. When both of us tried to freeze access to our credit reports, the system produced an error message Status-Request Failed ( see attachment ). The web site said to call their customer support number. Several times, I called this number and every time they tried to transfer me to another customer support team. Every time I was transferred, they said I was in the wrong group and told me to call the original support number I called. This has happened several times. I asked to be transferred to a supervisor, and they just put me back in the que to begin talking to another support person who will not help us. Equifax has refused to address our problems and will not allow us to freeze our credit reports.
Today,XX/XX/XXXX, I have dismissed the recent litigation against SPS. So please answer my questions. 

I am again requesting a criminal investigation with you, among other investigative institutions. This request for investigation is based on tax evasion, money laundering, predatory lending, deceptive trade practices and fraud. 

I requested the name of the XXXX XXXX that my note was in, and have not received it yet. XXXX XXXX XXXX XXXX XXXX XXXX was the original lender on my note, not XXXX XXXX Mortgage XXXX as illegally placed at the lender on my note. With this Deed and note publicly recorded, XXXX XXXX XXXX may have committed Fraud, Forgery, Perjury, money laundering, among other crimes. 

My note has been through Assignments several times ( Attached ), each of which appear to be Fraudulent with signatures of Bank Employees, not XXXX XXXX XXXX XXXX XXXX XXXX employees, which went out of existence on XX/XX/XXXX and could not sign or transfer any documents or Assignments ( As attached ). Since XXXX XXXX XXXX XXXX XXXX XXXX had no authority to remove or assign my above note after XX/XX/XXXX, why were there Assignments in XXXX and XXXX? 

Each signatory of each document should be investigated to determine if they were in fact XXXX XXXX XXXX XXXX XXXX XXXX employees, or Bank Employees creating Legal Documents to Defraud the Homeowner. 

I have sent a XXXX asking basic accounting questions about records which SPS does n't seem to have.
In XXXX I took out a mortgage with my wife. In XXXX XXXX we divorced. Per our divorce decree she was to refinance or modify and take me off. The mortgage company modified the loan without my acknowledgement which caused me to become ineligible for another loan for 3 years. They did not obtain my signature or permission to do the modification. 

They refuse to take the loan off my credit report XXXX the loan is current ) and it shows a modification and I am told there is a 3 year waiting period. My damage is that I can not move on and purchase another home because they did a modification without my signature.
I received an email earlier through XXXX XXXX was still working on the issue. At XXXX I received an alert there has been another change. Both accounts were settled same day with Sears not as reported by CBNA/SEARS through XXXX XXXX XXXX  for 3rd party disclosure adversely and drastically affecting my credit score within 15 days.
XXXX XXXX XXXX is reporting a collection account to all 3 credit  companies in the amount of {$9300.00} this account is not mine. 
I need written confirmation/proof that this account is under my name. 

Thanks
I dispute transaction ref # XXXX, XXXX and XXXX, and then bank of america provide claim ID # 's XXXX, XXXX, and XXXX. The purchase was from XXXX and the transaction amounts were {$74.00}, XXXX and {$460.00}. The transaction were disputed because the shipment not being received. I tried to go to the company and ask for a refund however, was denied because the shipment said delivered. However, I did not receive the shipment. Upon reviewing the track number no proof of deliver was provide that had my signature or a signature of anyone I authorize to pick up the shipment. I proceed to dispute the amount with Bank Of America and a credit was issued for the amount. On XX/XX/2017 the credits were reversed for no reason or follow up. The merchant has not provide evidence nor have I received evidence showing I received the package. I respectful ask for a credit to be issue and a refund out to the merchant account.
I have written to the original credit who is DICK 's Sporting Good The information is being reported inaccurately, The notice receive first indicated that they were reporting correctly but Dick 's, Synchrony Bank or   XXXX   XXXX   has yet to show me evidence of my signature bearing this account. I have not been given, the evidence of the validation of the correct measure by law and the Fair Credit Reporting Act as well as who or want person name, address or telephone to whom was supposed to validate that I owe this company. A computer print out by an employee going through a data base is not the proper proof of an debt owed by me.
I Have Called XXXX XXXX and told them about my problems even paid off balances on these two card that where opened on my name fraudulently by my ex Wife.
I have a checking account at Wells Fargo bank and on XX/XX/2018 I make ATM deposit of {$1000.00} Money order from post office. The same day I realize that the online balance show {$100.00} deposit instead of {$1000.00}. The same day I called customer service of Wells Fargo bank and let them know that my balance doesnt reflect the correct amount of the deposit. Now one week later I called Wells Fargo bank and they say that the investigation is going to take 10 days. 

My question to you is : Can banks take whatever time they say to take a look of checks or money order deposits and correct the amount.?
I have disputed all inquries on my credit report as ones I dont recognize and Equifax has chopsen not to respond to my inquiry within the allowable 30 day time fram per FCRA. As a result, I would like them removed due to no reponse from them.
XXXX XXXX XXXX XXXX continues to report my credit bureaus as me being delinquent being down my credit score when my accounts are in forbearance I havent been able to pay them because of the high rates they been charging me I now owe over a XXXX dollars in student loans with just them. I will never own anything because of them.
TransUnion kept on reporting a debt that has been paid already. These debts are as follows : XXXX XXXX XXXX for {$150.00} and XXXX for {$290.00}. All these debts have been paid yet TransUnion kept on reporting it as an " open '' collection.
Have an auto loan that I acquired in XX/XX/2013, Ive been late a lot of time due to financial hardship but never stopped paying. Now my loan has mature I am done with all my payments and the are charging me almost 2 thousand dollars more. When I called they told me it was late fees and months that I had requested extensions and that I needed to pay all XXXX XXXX dollars at once or they where coming to get my car. called again trying to get a plan to pay everything without them taking my car but I was told now that everything I owe is interest and late fees ( they say today that they are not coming to pick up my car ). The issue is that they are not consistent on why I owe that much money every time I call they give me a different story and on top of that they are constantly harassing me calling me all day long even when I speak to them they keep calling back, they call my job, they call early in the morning late at night from different numbers even from out of the country numbers. They dont check their records before calling even after I pay they call me saying I need to make a payment And a lot of time they are not very nice when they call.
I has established a direct deposit to my new savings account opened with TD Bank. The amount was received by the bank but they held it in a warehouse and refused to credit the funds to my account despite numerous requests. At first I was told that at TD Bank unlike all other banks direct deposits get credited only at the end of the business day and not first thing in the morning. When I pushed back on the explanation provided, I was told that the funds ( large amount exceeding XXXX ) was being held in their " warehouse '' as the instructions indicate the account type is checking and not saving. After being placed on hold for over 30 minutes was told that the " warehouse '' has been requested to release the payment. It is not guaranteed but the funds " may be '' made available tomorrow. I indicated that it was not acceptable for the bank or the " warehouse '' to simply hold my payment for over 24 hours ( or more as not guaranteed ). I was told I was at the bank 's mercy and they can hold my payment for as long as the " warehouse '' deems necessary and that the bank can only send them a message which they have already done. When asked to speak to a Manager I was placed on additional 15 minutes hold and then old no one is available. When asked on how as a consumer I feel helpless and taken advantage of and need to escalate I was again placed on another long hold and then asked to leave a voicemail to the Manager. Left the voicemail and as expected did not hear back. 
What protections if any do I have when the Bank or its agent - the " warehouse '' illegally hold my funds with no resolution or guarantee on when I will get the funds? 
What are the penalties and sanctions that the bank is exposed to for such illegal, unethical and immoral acts? 
Are consumers in this country just at the mercy of banks like TD bank and banks can hold the hard-earned direct deposits funds whenever and however they like? 
What are the labor law violations that the bank has committed by avoiding a worker from having timely access to their wages? 
Most unacceptable daylight robbery by the Bank. 
Details of the individuals involved : Agent - Her name was probably XXXX - She seemed completely ignorant with no knowledge of banking what so ever. 
Supervisor - XXXX. Refused to give her full name. Extension - XXXX. Called herself both the supervisor and Manager. Was extremely rude, arrogant, and indicated that the bank could take as long as they want and that as a consumer I had no recourse against the Bank or their " warehouse ''. 
Manager - The voicemail indicated her name was XXXX. Failed to contact me despite my detailed message and plea regarding the important matter on hand.
The I C SYSTEM INC company reported to the credit agency a medical account that is not mine, because I do not owe anything. So I think it's a fraud.
I recently filed a dispute with CFPB regarding NCC business Services reporting incorrect amounts on my credit report as well as re-aging the dates on my credit report. I also stated how NCC business service refused to respond to my validation request that was sent to them by certified mail. NCC responded stating that they reached out to the landlord and stated incorrect dates that were supposedly given to them by the landlord and that they did respond to my validation request which is also untrue. In my dispute I provided a copy of a civil judgement that was discharged listing a date and amount that is different from what NCC is reporting. According to the FDCPA a collection agency CAN NOT verify a debt only a creditor can. Im requesting that CFPB submit proof that original creditor verified the  accuracy of their reporting amounts and dates. NCC also claimed that I broke my lease in XXXX of 2013 but on my credit report it has an expiration date of XXXX of 2013. NCC stated that they in fact responded to my VALIDATION letter in which I attached a certified mail receipt proving that my letter was sent and received. Its only fair that NCC attach proof that they in fact sent me a response letter as well as a copy of the validation letter that was supposedly sent to my address. Im also requesting that NCC also submit proof that I gave them permission to even contact me regarding this alleged debt. Im also requesting proof that I gave NCC business services permission to use my PII to establish an account on my behalf-which can be a form of identity theft. i did send a copy of my drivers license and social to NCC which was after they placed this negative information on my credit report and created an account in my name without my consent. Im also requesting proof that NCC provided me with a 30 day notice before placing the alleged amounts on my credit report. NCC is not only violating my rights and the laws within the FDCPA but have caused me tremendous amount of stress but had also caused my credit to be damaged. I also request that instead of NCC sending me the proofs that Im requesting I would rather they attach with their response to this complaint.