WillisBack/dataset-financial-user-claim huggingface dataset:
In the months of XX/XX/XXXX-XX/XX/XXXX, I was going thru some financial hardship and could not afford my car anymore, witch was a ( XXXX XXXX XXXX XXXX XXXX ) I then reached out to my auto loan company witch was autouse/autoloan/lease and rental management. ( weird ) to VOLUNTARY SURRENDER VEHICLE the vehicle was then picked up some time in XX/XX/XXXX and at the end of XX/XX/XXXX the account closed and listed the vehicle on my credit report as an INVOULUNTARY REPOSSESION, and is being reported to XXXX, XXXX, and experian as such, and is totally inaccurate, the other problem is in XXXX XXXX I noticed two 30day lates added to my credit report after the closing of account in  XXXX XXXX.My most major issue is I have not received all the required notices such as NOTICE OF SALE, as of XX/XX/XXXX my credit report still has a balance of XXXX dollars.XXXX  is reporting no payment history on this account at all, XXXX, Experian all are reporting inaccurate account iformation on this closed account, And are also in violation of the FCRA section 611 as well as my prior auto loan company, autouse/autoloan/lease and rental management corp.Ive also disputed with all three CRA 's with no success in witch I will continue until I will have no choice to take other action with all parties.my ability to obtain credit has been hard because of this.
I have filed a few other complaints related to this situation. My payments on the loan I received from One Main Financial were not correctly applied to my balance. And after I filed my initial report with the CFPB, they stopped sending me bills. I figured the complaint I filed with the CFPB had motivated the company to correct their mistake and finally properly apply my payments, making the loan paid in full. So to be sure, I called One Main Financial. I was told my account had been charged off. But, they never sent any mail notifying me of this. I was then transferred to a recovery department. The representative I spoke to told me she could n't give me much info about my account and someone would have to call me back in a few days. It 's been almost two months. I called back today and was just transferred around to several different operators as well as given very different phone numbers for what was supposed to be the recovery department. I finally spoke to XXXX representative who told me the reason I was probably being rerouted back to the main number is because the recovery department goes to lunch XXXX However, I think it 's still ridiculous that no one could give me answers about my account. I want to know what type of consequences the company can face for stopping my bill statement and then charging off my account without notice. They have the title to my car also. Should I get a lawyer? This was a very bad loan, if I pay back the entire amount they are requesting then my interest will have been 100 %! I borrowed {$6000.00} and they want me to pay back {$13000.00}! Please help. My sister is in college and neither me or my dad can co-sign a parent plus loan for her because of this predatory loan One Main Financial misleading led us into. It 's not fair. i 've paid quite a lot on this loan and I 'm just ready for this to be resolved so i can move on with my life.
I HAVE AN ACCOUNT WITH NORTHERN TRUST CO. BEING FUNDED WITH THOUSANDS OF DOLLARS GOING IN AND COMING OUT OF IT. THE ACCOUNT IT MINE. IT IS ASSOICATE WITH MY SOCIAL SECURITY NUMBER AND I HAVE USED IT 2 SEPARATE TIMES TO PLACE ORDERS ONLINE. NOW, I CAN NOT MAKE AN PURCHASES AND THE NORTHERN TRUST CO. IS TELLING ME THAT I HAVE NO ACCOUNT. I KNOW THE ACCOUNT EXIST BECAUSE I HAVE USED IT PREVIOUSLY. I KNOW THE ACCOUNT IS ASSOCIATED WITH MY SOCIAL BECAUSE I HAVE USED IT TO ACCES THE FUNDS. I WOULD LIKE TO REGAIN ACCESS TO THIS ACCOUNT BECAUSE IT BELONGS TO ME LEGALLY AND I HAVE RIGHTS UNDER THE CONSUMER LAW. IF MY PURCHASES CONTINUE TO NOT GO THROUGHT I WILL CONTINUE MY INVESTIGATION ALONG WITH REPORTS FROM OTHER INDIVIDUALS AND I WILL FILE A SUIT REQUEST 3 TIMES THE AMOUNT OF THE FUNDS THAT WERE REVESERED BE PAID TO MYSELF AND ALL WHO ARE EXPERINCING TH SAME PROBLEM. WHETHER THE ACCOUNT IS BEING FUNDED BY THE FEDERAL RESERVE BANK OF XXXX OR NOT. THE MONEY IS LEGALLY MINE. AND DENYING ME ACCESS TO IT IS ILLEGAL AND ACTION WILL BE TAKEN. I HAVE RIGHTS AND BY THE CONSUMER LAW, I WILL NOT HESITATE.
First Equifax did not full investigate the reinsertion of XXXX XXXX for XXXX XXXX. They can not produce evidence of said original bill. XXXX investigate and found my information to be accurate and removed the account for {$1700.00}. Not once since I started disputing did I receive any written notice of this " new bill '' or a copy of old. Was not notified within 30 days. I started disputing in XX/XX/XXXX it is almost XX/XX/XXXX. This account was added in XX/XX/XXXX, removed and added again XX/XX/XXXX like a new account. Next Equifax put every word I wrote in my complaint to consumer finance on my credit report as a statement from me. I never requested that it be added. I submitted a complaint not something I wanted added so when a company pulls my report they do n't see a huge paragraph from me. I 'm not sure who or why it was added but I never requested a consumer statement be added and o do n't think it 's professional to add a private complaint to my credit report without my permission.
I deposited my financial aid reimbursement check, {$1300.00} onXX/XX/XXXX into my recently opened Capital One 360 account via their mobile application. The check was written out and sent to me onXX/XX/XXXX 
OnXX/XX/XXXXI get an email stating that I need to call CapitalOne360 to verify my recent account activities and that I had 10 business days to do so. That afternoon I call in and get through to their " security '' team. I was informed that there will be a hold on my account and was questioned about the check and if there was something wrong with it. I was unsure as to why or if there was a problem with the check. I told him I would have to get back to him on it. 
I called the financial aid advisors at my school and the institution ( Bank Mobile ) that they used to write out the checks. The college said they already sent the money to Bank Mobile and Bank Mobile said the check was cashed and processed. 
With this information, I tried to contact the " security '' team again at capital one on two separate days. 
XX/XX/XXXX, I would call in and not be able to reach the " security '' team, instead I was told by some intermediate team that I could leave a message and the " security '' team would contact me within two business days. 

XX/XX/XXXX, I would go to a physical branch of CapitalOne and see if someone there could help me with my situation. I was told by the teller their that they had no power to do so and recommended me to call CapitalOne360 again and tell them I was in an actual branch. I did so, and only got through to their intermediate team again and told to leave a message. I told the women that I had doe so the previous week, how I did not get contacted within 2 business, and that I was in a physically branch. She said she could n't help me anymore, and that I could either leave a message again or she could send an email to them and that I would get contacted within 24 hours. With no other options, I requested the email be sent. 
Later that day at home, I would shoot one more call at CapitalOne360 to get a definitive answer. This time a guy answers from the intermediate team, and he tells me that ( according to his limited notes from the " security '' team ) that, 1, account was placed on hold by the security team and he had no power in that action. 2, business relation is ending after everything is set and done. Once the check goes through, they would transfer that money to my account in another institution. 3, my funds would no be accessible to me/withdraw able by me. In response I ask him, " so how do it get my funds withdraw able? '' He tells me that he does not see a set of action for me to do to get my funds withdraw able. I respond " So did you guys just take my financial aid and that 's it? '' I receive an unclear response and he reiterated the that, according to his notes, the hold on my account was determined by the security team.
On XXXX XXXX, 2015 my Paypal account was charged {$29.00} by a company called XXXX. I have spoken to both XXXX and Paypal concerning the charges. After neither XXXX or Paypal could tell me exactly what the charges were for, I reported the items as fraud to Paypal. I received a letter today from Paypal claiming the charges are legitimate -- So I called them again and they are still unable to verify exactly what it is that I have been charged for. Thus, I think there " debt '' collection practices deserve a little scrutiny. Charging people for unknown items they clearly did not receive would appear to be an illegal practice. Any assistance you can provide would be greatly appreciated.
I received a call from XXXX of Assett Associates and in an aggressive manner she stated I owed a debt for someone I co-signed for. I have not co-signed a loan with anyone other than my husband in well over 10 years. I tried to ask for something in writing but she would not answer any of my questions. She did state the debt was to XXXX XXXX for over XXXX. The phone number on my caller ID was XXXX and I received another call shortly after from XXXX.
Tried to open new checking and savings. Was denied and the referenced the security freeze I have with Experian and that I needed to lift it first. 

First of all, I have an alert, not a freeze. They didn't even understand the basic terminology and the ALERT is there for good reason. I'm not changing that ALERT. Most companies ask security questions from my credit report and go from there. These people were unprofessional and intended on ESCALATING the situation further when I was already clearly upset.
I believe I have Genesis loans from XXXX Colleges and would like to know if they were included in the CFPB settlement. 
I attended XXXX XXXX XXXX at address XXXX XXXX XXXX XXXX, CA XXXX.
On XX/XX/XXXX I ordered XXXX cashier 's checks for {$2000.00} each to be expedited to an address in XXXX. Through mislabeling on Ally Bank 's part, those checks did not reach their intended recipient. It has now been 1 month since I have requested the money be put back in my account and it has not happened. I have been told three different stories from Ally about them either being mailed out, or the money being put back in my account that has yet to happen.
Transunion had multiple errors where all my credit inquiries were removed and they reappeared. I stated to them i was a victim of inquiries and they should be removed. They keep responding that after the dispute that it stands which is incorrect. Not once they did this to my credit report but twice. And they dont have an explanation for that reason
I have attempted consumer portfolio on numerous occasions dating back to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, And XX/XX/XXXX to try to make a settlement on this XXXX XXXX XXXX I that I have with XXXX miles on it. The car does not work and I can't do a voluntary repo because I'm in the process of trying to buy a home. I have spent over {$4500.00} trying to repair the car and over {$300.00} in rentals to get to work and to my son 's school. The car is smoking from under the hood, the car had a wiring blower recall, and it's not worth more than {$1000.00} at other dealerships. I have tried to settle for {$5000.00} and {$6000.00} back in XXXX when the company indicated they needed at least 80 % of the loan amount which I owe {$10000.00}. I said that's impossible the car is not working nor is it worth anything. They kept saying we will have the president review, we will have the supervisor review and then no response. They then add the payments to the back of the loan while they are waiting on this response and never contact you. This company has also been sued recently. Please assist in this matter. 


Now I have received an email today as of XX/XX/XXXX about an EXTENSION- I never asked for an extension. NEVER. This goes to show how faulty and fraudulent this company is! Enough is enough of this company. AND AN ADDITIONAL {$1100.00} has been added to the loan some how as the payoff showed around {$9900.00} last week. 

You can see all the payments I made and how they have been applied. The loan was only for {$13000.00} and I still owe $ XXXX. Something is WRONG! 

They indicated on numerous occasions it was nothing they could do and now they are adding some extension.
On XX/XX/XXXX my husband and I visited an XXXX at the XXXX XXXX XXXX  in Texas. We put {$50.00} on her account. We paid an additional {$4.00} for the transaction for a total of {$54.00}. When we got the credit card bill today from First National Bank Omaha XXXX, there was a charge of {$29.00} and a fee of {$15.00}. So the XXXX  only received {$29.00} of a {$54.00} transaction. That adds up to {$44.00} ( {$29.00} + {$15.00} ) in the first place, so where is the missing {$6.00}? But the {$15.00} fee is outrageous and you are not warned, except in the vaguest of language, that this might occur. I would have expected maybe a small fee on top of the {$54.00}, but not basically clipping people for {$15.00} and then a {$1.00} interest charge!!! And where did that extra dollar go -- seems fishy. On top of that there is a minimum interest fee {$1.00}, even though the bill is not due until XX/XX/XXXX!
I received notice that I was going to be transferred to a new lender. At that point the lender told me I had 60 days to pay my mortgage. I received the information after calling about who the lender was what my new account number would be. The new lender acquired the loan after XX/XX/2016 although they told me my payment was due XX/XX/2016. I would like you to assist me with this matter. They say the mailed me my papers on XX/XX/2016, I have n't received them yet. They have n't contacted me and I have made contact with this company which the operator asked me before I could explain to her what was going on. Would I like to make a payment. I told her I want to see some paperwork before I give you anything.
My federal student loans are held by FedLoanServicing ( FLS ). Until recently they were on an in-school deferment. In XXXX I received notice that they were now in repayment ( this was for XXXX of my XXXX loans ; a notice for the other XXXX was not provided until XXXX ). However, I was not given any notice that the accrued interest would capitalize or an opportunity to repay it before that occurred -- instead the statements simply showed the principal as having increased. I emailed FLS on XXXX XXXX about this and did not receive any response. This morning, XXXX XXXX, I contacted them by phone to follow up. I spoke to four different representatives and learned the following. FLS received notice from the national student loan clearinghouse on XXXX XXXX, 2016 that my enrollment at XXXX XXXX ended in XXXX. On that date they immediately, retroactively granted a " late student loan notification forbearance '' back to XXXX, ended that forbearance as of that same day ( XXXX XXXX ), put me into repayment, and immediately capitalized all the accrued interest as of that day ( XXXX XXXX ). This all occurred without any notice to me of the accrued interest and without giving me any opportunity to repay it before capitalization. The last customer service representative with whom I spoke, a supervisor, agree with me that this process was not correct. But he said he had no power to change it, and that I would have to wait while a " review '' went through the system, which would take 7-10 business days. Unfortunately, I have no confidence that this review will occur, that I will get notice of its outcome if it does occur, or that it will remedy the situation -- given that FLS has failed to notify me of critical student loan information in the past, that I received no response from my email, and that I was initially left on hold for 25 minutes by the first representative I spoke with today ( apparently hoping that I would hang up ). I am happy to supply the ID numbers of each person I spoke with at FLS if this is useful to the inquiry. Many thanks for your assistance.
Sir, I am a senior US citizen XXXX XX/XX/XXXX, holding an A/c in JPMorgan Chase Bank N.A . 
I am submitting this complaint related to an UNDISCLOSED and DUAL charge of {$27.00} for the same transaction by the Chase Bank, in addition to their DISCLOSED transfer fee of {$15.00}, the transaction being an inward wire transfer dt XX/XX/2017 of amt {$9800.00} from XXXX. 
Prior to the wire transfer, I telephonically asked Chase Bank for their Swift Code ( XXXX, I was informed ) and their wire transfer fee ( {$15.00}, as DISCLOSED to me ). I conveyed the Swift Code to XXXX, who confirmed a wire transfer for {$9800.00} was made by them on XX/XX/2017. 
Although I expected a credit of {$9800.00} ( {$9800.00} less transfer fee {$15.00} ), I was credited only {$9800.00} in my above Chase A/c. There is, thus, an obvious discrepancy of {$27.00}. In response to my numerous inquiries, Chase Bank repeatedly told me that {$27.00} may have been taken by XXXX or some intermediate agency. I made two visits to my Chase Bank Branch and met Vice President XXXX and made numerous calls to their Service Line XXXX. I am sure Chase Bank would have a record of all my conversations, since they all took place on their recorded lines. 
As I could not get any convincing or credible explanation from the Chase Bank staff, I contacted XXXX. I spent considerable time and money ( nearly {$50.00} ) on calls and communications to different officials of the XXXX in order to get at the truth. At my request, XXXX reconciled and tallied all the wire transfer records of XX/XX/2017 with JPMorgan Chase NY and told me in no uncertain terms that they had transferred {$9800.00} to Swift Code XXXX on XX/XX/2017. 
On XX/XX/2017, I rang up the Chase Wire Transfer Dept ( XXXX ) and spoke to XXXX, XXXX and finally their Escalation Supervisor. I asked them just one question - " Does Swift Code XXXX belong to any institution other than JPMorgan Chase Bank N.A., such as any of their subsidiaries or affiliates? ''. Their answer - " No ''. 
Faced with this unambiguous information, the Escalation Supvr told me that she would tell the Customer Service to credit Transfer Fee {$15.00} to my A/c, but did not commit to the UNDISCLOSED/DUAL overcharge deduction of {$27.00}. 
I made one last effort on XX/XX/2017 by calling ( XXXX ). I spoke to XXXX, XXXX and Supvr XXXX. I, even, drew their attention to the online Chase Bank A/c entries pertaining to XX/XX/2017, showing {$27.00} deduction by Chase Bank before the second deduction by them of transfer fee {$15.00}, and also informed them that XXXX, by law, can deduct their fees in XXXX only ( not in any foreign currency ). But all this to no effect. Hence this complaint to you. 
Sir, my main complaint refers to the UNDISCLOSED and DUAL charges {$27.00} and therefore I request your intervention to get a refund of {$27.00} by the Chase Bank. And if you deem it appropriate, I further request that Chase Bank should desist from charging UNDISCLOSED and DUAL fees from customers. 
Thank you for your consideration and help. Kind regards. 
Yours faithfully An Affected Senior Citizen
Received an automated phone call at XXXX EST today. The message referenced a " recent transaction involving your bank account '' and then a case number was provided. After researching the number online, I found that it was yet another scammer ; they seem to love me. I 'm thinking they might be trying to collect on the same debt as the company in my previous complaint were.
On or about XXXX XXXX 2017 I initiated an ACH transfer into the account of Coinbase, Inc. located at the XXXX  XXXX XXXX of NY, and I did so on the accord of  their site : " Bank Account deposits made to XXXX are sent via the ACH bank transfer system, which typically takes 3-5 business days* to complete after initiating a purchase. You may see the funds immediately debited from your bank account when you initiate the transfer, but they will not appear in your XXXX account until the transfer has moved between the banks and cleared in our bank account. '' The amount is negligible to some, {$300.00}, however, it 's still {$300.00} that I transferred from my credit union which provided me with a credit trace number showing Coinbase received the funds. I 've attempted on numerous occasions to reach Coinbase support, both through email and through their XXXX handle as recommended through their own website. I have not been able to reach their support staff in over 3 weeks. At this point I just want my funds returned. Their community site is littered with many posts similar to my own and my trust in this company ... well, I have none. They are robbing people with no explanation.
Dear Consumer Financial Bureau. 
As I have already stated in my complaint # XXXX, I have been for the last 4 years trying to settle an equity loan with Citibank Financial group. After receiving a loan settlement from XXXX in which I responded with a payment plan of 6 weeks they denied once it was submitted to Citibank. Then citibank took back the loan from XXXX and started sending me communications. I then hired the law offices XXXX in which I submitted several loan settlements and all were turned down. Once again I am being penalized for a home that I have owned for the last 20 years. After been unable to continue payments to the law firm to represent me, I have been sent several email messages to my loan support specialist XXXX XXXX and made several telephone call to Citibank XXXX number, only to keep getting transferred from one representative to another and unable to speak to XXXX XXXX which they keep stating is my Support Specialist but she is unavailable. Although I keep giving them her extension number they will not transfer the calls to her. Citibank keeps playing games and does not respond to any of my emails or telephone calls. Meanwhile the loan interests keep on piling up and I have no way to reaching them. This is unjust and unfair. Once again proving how the big banks keeps punishing the little guys. I would like someone to intervene of my behalf and assist me in getting this matter resolved.
That has been recirculated now XXXX times and is the result of retribution for a bad XXXX review when they charged my account {$40.00} for a missed appointment for my XXXX daughter. I had never signed any paperwork saying that I would pay such a feat and I tore them up on yelp now they will not let it go in this company continues to persecute me for any legal debt debt I do not know that they have no proof of and yet they continue to extort people for fake debts. When are we going to stop it?
On XX/XX/XXXX I sent all 3 credit bureaus certified disput letters along with sending alleged creditors the same letters all certified, 3 different accounts were to be investigated. I did receive names and contact information for verification on 2 of the 3 accounts being disputed, but never on one in the amount of XXXX , since I was given no evidence of my obiligation to pay these debts in the time given by FCRA requirements I sent another letter by certified mail XX/XX/2018 urging all 3 bureaus to remove this debt before legal action was taken and still have had no response. And I was never sent my free credit report that was also requested in disputed letters.
I signed up for a Macy 's credit card. I made a purchase in the store without my card for approx {$67.00}. I never received this card. I made the full payment of {$67.00}. I received a bill for late fees. I called and emailed them about this. I am now getting a vill of almost {$300.00} for late fees on an item I paid for in full. 
I still have not gotten a credit card. 
My daughter is having the same problem with Macy 's.
I have accrued extra interest during unnecessary forbearance due to customer service emailing me that as my only option during the period I was not in school. They were not willing to work with me for other repayment options. They also called my phone and family members phone repeatedly after being asked not to call and using an automated dialer to make the calls and leave voice mails.