WillisBack/dataset-financial-user-claim huggingface dataset:
As the XXXX XXXX XXXX, I reached out to eTrade to set up a business bank account, along with an initial deposit and IRS EIN. I received a letter saying that the account was approved and open, along with instructions for accessing the account. When I tried to do so on XX/XX/XXXX, however, I received errors from their Web site. Upon calling in, I was told that eTrade has chosen not to do business with my team ( my existing personal accounts were not affected ), no explanation would be given, and that I would have my money refunded within 7-10 days. Today, on XX/XX/XXXX, I received a call saying that I would have to submit a letter from my XXXX and proof of identity in order to get my initial deposit back, despite that deposit being transferred from my personal eTrade account. 

It is bad enough to opt to close my account days after it was initially opened. It is worse to opt not to provide any explanation. But it is ( or should be ) downright criminal to then hold my funds for well over a month while waiting to supply me with instructions on how to receive my money. 

I am in the process of supplying eTrade with the requested documentation, but I 've been given no ETA on the refund of my initial deposit. I will be looking at alternatives for my personal and business banking and trading needs and suggest others do the same.
THIS BEGAN ON XX/XX/2018 when I pulled my yearly credit report. XXXX XXXX XXXX collecting on the behalf of XXXX for {$610.00}. I have disputed ( via certified 611 letter ) this ONCE WITH XXXX  AND XXXX AND IT WAS PROMPTLY REMOVED. I have disputed this ONCE with XXXX. I have disputed THREE TIMES to date with TRANSUNION ... ONCE online and TWICE via TWO CERTIFIED 611 LETTERS. They have removed it TWICE and put it back for a THIRD TIME. TRANSUNION is the ONLY credit reporting agency, STILL reporting this fraudulent account. They also report as XXXX XXXX XXXX HAS ALSO PLACED THIS FRAUDULENT DEBT UNDER " XXXX '' ... it's AKA.
Public Records - Bankruptcy XX/XX/XXXX sent letter to XXXX XX/XX/XXXX requesting the Bankruptcy listed on my credit report be deleted as the item was dismissed filed in error. XXXX refused stating it was n't their policy to delete accurate information. 

I contacted XXXX with the same letter and the also stated it was not reported by them but sent to them by third party XXXX and they could not delete the item.
I am a XXXX XXXX assisting my client ( XXXX XXXX, loan # XXXX ) through the process of correcting his default on his mortgage loan. Our company has tried several time to get vendor paperwork completed in order to submit payment on our client behalf. 

On XX/XX/XXXX ; 2nd party authorization was sent along with vendor paperwork via fax and email. 

Beginning of XX/XX/XXXX, I called to verify that the paperwork was received by LoanCare. The agent who I spoke to stated that the paper work was received and would be 7 - 10 business days to process. 

In addition, XXXX XXXX submitted his regular payment, which was returned to him without explanation. 

XX/XX/XXXX ; I called to follow up with the paperwork that was sent as our company hadn't received a response. XXXX at LoanCare stated that the paperwork must have gotten mistaken as just the 2nd party authorization. She also stated that there was no notes entered for the conversation that took place at the beginning of XX/XX/XXXX. She resubmitted the vendor paperwork and stated that it will take 2-3 business days. 
I also addressed the question of why his payment was returned to him. The response was that LoanCare will only accept no less than half the amount owed, approximately {$4000.00}. 

XX/XX/XXXX - I called LoanCare to follow up with the Vendor paperwork that was resubmitted by XXXX at LoanCare. They couldn't find where the paperwork was submitted. I asked what I had to do to submit it. I emailed the paperwork to XXXX and received a email response that gave me a reference/ticket number : XXXX. 

XX/XX/XXXX - I called LoanCare to follow up with the vendor paperwork that I submitted on XX/XX/XXXX. The agent who answered ( Agent ID # XXXX ) verified the loan #, address, etc. of client I was calling for, and also verified other party authorization. I asked her about the paperwork that submitted in order for our company to send in payment, she put me on hold. 
At XXXX, another agent for on the phone and went through the whole verification process, only she didn't find the other party authorization. I stated when we sent that in and that I have been authorized previously. She put me on hold. 
33 minutes into the call, XXXX # XXXX answered and went through the verification process and other party authorization. She stated that the company name was entered wrong on the attachments and that maybe why I wasn't authorized. After explaining once again why I was calling, she put me on hold to see if she could get a customer support representative on the line to assist me. She did check on me twice while on hold. 
After 1 hour and 5 minutes, I still did not receive any clarification or answers. XXXX did forward my information to her manager, XXXX to look over.
Bank of America has instituted XXXX, a feature that requires you to have a US cell phone to receive a text message in order to process certain transactions. The issue I am having is that I am currently living abroad, and hence do not have domestic cell phone service. This is preventing me from requesting wire transfers in excess of {$1000.00}, and thus can not pay my rent. Their solution is to send the money in XXXX separate wire transfers, allowing them to charge me {$35.00} twice for each transfer. In other words, by limiting my wire transfer amount ( in the name of security ) Bank of America is effectively doubling their profit. I have contacted them to have this feature removed, and they refused.
My auto loan through Ally Financial was paid numerous times but the company always called trying to collect late fees 2 days after the bill was paid up to date a fee of {$32.00} and then WANTED AN ADDITIONAL {$32.00} LATE FEE BOTH ON THE SAME DAY. tHERE WERE TIMES WHEN i PAID THE LOAN AMOUT AND PAID ADDDITIONAL MONIES BUT 2 DAYS LATER RECEIVED A LETTER STATING THAT A LATE FEE OF {$21.00} was still due. This went on the entire time for the loan. Mostly it was phone calls requesting {$32.00} late fees after the bill was paid up to date two days prior but I did finally receive a notice two days after it was paid requesting additional late fees. I have documented proof of both, additionally these letters and phone calls were generated a few days after the bill was paid. The car was repossed and I tried to pay one payment which Ally would not accept. I feel that I was a victim to a SIMILIAR CASE THAT INVOLVED A MAN NAMED XXXX, WHICH i SAW ON XXXX. wHILE THERE IS PROBABLY NOT TIME TO SAVE MY VEHCLE XXXX XXXX vin #  XXXX, XXXX title # XXXX, lein held by ALLY Financial XXXX XXXX XXXXXXXX, XXXX, XXXX   XXXX. Debt was collected from PO boxes in XXXX, XXXX. I am sharing my stories so that you can prevent other consumers from experiencing fraudulent activity from ALLY Financial. I have documentation that could not be scanned at my local library but will and send in addition. But Ally also has copies that were sent to me, if they are being honest. I will file other complaints and forward documentation to you with the file.I prefer correspondence in writing and duplicates sent via email, I have had numerous problems with my XXXX account and emails disappearing or not sent to my inbox, another complaint for another time. Thank you in advance for your time and attention.
Experian is continuing to reporting my old last name and addresses on my credit report that I do not want to be associated with. I have been divorced and need my old last name removed from my credit report as I have updated it with all my creditors.     Please delete the following names :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Also, delete the following addresses :  XXXX   XXXX   XXXX    XXXX   XXXX   NJ  XXXX  ( I have not lived at this address in over 10 years )  XXXX   XXXX   XXXX   XXXX , NJ  XXXX  ( This is my daughters old address. It should not be on my credit report )
I have a student loan in the amount of approximately {$44000.00}. Navient is my loan servicer. My loan is currently defered due to unemployment. While employed I was making monthly payments that, unbeknownst to me, were not enough to cover the monthly payment. Instead of reducing the amount owed my principal was increasing every month regardless of my payment. My loan began with a balance of approximately {$38000.00}. I was never informed that the unpaid interest would be added to the principal monthly. The interest rate i s 6.8. It  is possible to extend the loan period to 25 years and reduce the interest t o 6.75 maki ng monathly payments of {$300.00}, which is still too high. My loan balance would then increase to over {$90000.00}, almost tripiling the original amount. It was never clearly explained that the loan amount would continue to increase when I took a forebearance or deferment. It is becoming more difficult to pay this loan as the balance has never increased.
XXXX XXXX is reportinig inaccurately on my credit report. This debt is showing from XXXX but I never received anything from them stating it was my account. I disputed with the credit bureaus and it was updated fraudulently with XXXX dates. I have no recollection of this debt and want it removed immediately from my credit report. I sent a certified letter last month no response as of yet.
Cash central XXXX XXXX called me to collect a payment I defaulted on. I called company to take the payment out would not help he said I defaulted so now someone else was taking over my account transferred me asked the person for a payment arrangement of XXXX a month laughed at me and said it would take 5 years to pay this off. Very rude said that was n't enough and they ca n't help and would prosecute. I have to idea who this company is and sounds like they have doubled what i originally owe. They call and harass me on my phone fron New York XXXX both companies are very rude and ridicule you. Tried to make payment arrangement by me calling them but wo n't accept XXXX a month and that 's all I can afford.
There was auto account on my credit that i asked Equifax to verify. Instead, Equifax removed the account out of collection and re-reported the account as 90days late payments. I never received any notification that the account belonged to me. i notified the company asking for verification and there was no response. Instead it was re-reported as late. and i have yet to receive that notoification
Bank of America is reporting my loan as a charge-off despite releasing the lien and providing a certificate of satisfaction. I have called and faxed the lien release to them and they will not return my calls or confirm receipt once they are told I have one. 

Background. In XXXX, I attempted to get a loan modification through Bank of America. State of MD posted that modifications were available even if you were n't behind but anticipated problems. I was on time for my payment for both mortgages, but my wife lost her job. We asked for a loan modification for over a year, with no response. I contacted the bank 's military line and they finally responded and stated that they could not do a loan mod unless I went into the forbearance program. Entered the program and when my wife got a job I asked for the loan modification. POC confirmed they had all the information needed and asked us to wait. We waited and were told we were not approved because we were missing information. Of course, the POC no longer worked there. This went on for over a year, including work with a local liaison that worked for the county to work with the banks on load modifications. We applied again and again. After about 18 months we were told that we technically qualified for the loan modification based on the requirements, but the owner of the loan did n't want to modify. Mind you, I applied for this loan via Bank of America via my local branch. Bank of America, never communicated that they did not own the loan. I complained and in XXXX XXXX, I received a check for about XXXX from the Bank stating that they had not properly served me as a customer. I then learned that my loan for my XXXX trust was released, I assumed as a condition of their settlement for improper foreclosures. I aked, but Bank of America never gave me an answer about the check or the release. A year later ( XXXX XXXX ) I sold the home. However, Bank of America continues to report the loan as a charge off. I ca n't buy a house now even though I have the credit scores and the down payment to purchase a home. I have attempted several times to get this removed via credit reporting, calling the bank and going to the local branch. I have essentially been penalized by Bank of America because they were corrected for improper procedures. I have attached the original deed of trust and the certificate of satisfaction with matching liber folio. It is not right to say we treated you wrong, here is our attempt to correct our bad acts and then pretend the apology never happened. I want the charge-off removed and an explanation why they are fighting this. I have attached the settlement statement ( which I would not have without a release -- this was not a short sale ), Deed of Trust and the Certificate of Satisfaction recorded. Thanks for your time.
I purchased a XXXX XXXX XXXX XXXX XXXX purchased from XXXX XXXX in XXXX XXXX XXXX on XXXX date of purchase ) I personally believe the sham starts there as they are the ones that push this company. I understand my credit is not the best and due to that fact XXXX m aware that my interest rate is higher and was told I can pay off early and lose the interest. My loan was initially taken from next step funding and some how I owe the money to monteray financial. There policies and collection protocol is ridiculous. And there customer service and support is non existent. I knew I was going to be paying at least double the sale price which already is border line loan sharing but once you twist up the terms and wording and honestly who reads that stuff. But as it turns out there is no paying off early cause Im actually renting the scooter and will pay a little more than triple the original sale price. But thats not my original gripe. I understand its my fault for not reading the fine print but as I looked online there are hundreds of people with same complaint. So there must be something we can do about this, I already threatened with a law suit and that was the only time I got any consideration. I originally stumbled onto this problem by accicident because XXXX weeks after I bought the scooter is broke down. And repeatedly broke down for about 2 months, I could not get any kind of service or help from XXXX XXXX and I was not going to continue to pay for a broken scooter. I tried next step funding and got no where and then started to get phone calls from XXXX XXXX about 5 Times a day and my fianc as well calling her at work and she isnt even involved, I told them my situation and was told they only gave me a loan and are not responsible for scooter Fair enough I though at the time so I figured I had to balttle with scooter store., I come to find out that I pay a rental fee to them so they are responsible I told them I want to keep my agreement as fraudulent as it is but am not paying fior the time scooter wasnt working I said I will pay for current month once you take old months off,, I guess they just wanted my money cause they agreed and I payed and next month it started all over again and every month since then. And now Im getting bad credit reports. I worked very hard on my credit the past 2 years to repair my childhood damage and Im at a loss here. Please help me
I was unaware of this balance until i pulled my credit report. I provided a forwarding address when i moved from XXXX XXXX but i never received an itemized bill or any correspondence therefore I was lead to believe everything was okay. After seeing this on my credit I called the properties management company to ask what the balance was for I was then told they could not help me since it was now in collections. After being told this I mailed a letter to IQ DATA INT asking them to provide proof of this debt by sending me the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 

IQ DATA INTI has never responded to my request.
Purchased 2 tickets from XXXX XXXX XXXX on XXXX XXXX XXXX for {$1300.00} each adding to {$2600.00}. Paid to the merchant from XXXX XXXX XXXX account. Never authorized to charge on credit card. When found charges on credit card on XXXX XXXX XXXX I asked merchant to return money which he promised he will. Waited for Merchant to return charges on credit card but this never happened. Created a dispute with Chase Bank on XXXX XXXX XXXX about these transactions. Case Numbers are ( XXXX, XXXX, XXXX, XXXX ). Provided necessary documents ( Bank transaction proof with merchant ) to Chase Bank to substantiate claim to reverse the transaction. Chase came back with invalidating my claim and keeping charges on my account on XXXX XXXX XXXX. 

These charges on credit card are invalid charges and never authorized by me. Merchant fraudulently put a charge on my credit card after I transferred him money from bank. Credit card charges needs to be reversed. Merchant name is XXXX XXXX. Last known address of business XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. Last known contact number XXXX XXXX XXXX XXXX XXXX. Merchant is not responding on phone for some time now.
I took a XXXX student ( XXXX ) and XXXX XXXX XXXX ( XXXX ) from XXXX university in XX/XX/XXXX which were both sent to collection agency conserve in XX/XX/XXXX. I fully paid both of these loans through conserve XX/XX/XXXX at the amount of {$8900.00} total and have attached the documents to this email stating I have fully paid both loans and have a balance of {$0.00}. A few months ago, the XXXX student loan that was already paid off was again taken to a different collection agency, XXXX XXXX XXXX. The portal XXXX XXXX showed that the entire payment was put towards the XXXX XXXX XXXX and {$0.00} to the XXXX student loan making it look as if I overpaid one loan and didn't pay at all for the other. I contacted them and XXXX university, as well as conserve who all have said I have a {$0.00} balance and owe {$0.00} and was told this would be taken care of. I logged on to XXXX again and now instead of showing the XXXX student loan is in collections ( it should show " paid in full '', it shows that I owe {$990.00} with a payment of {$40.00} due on XX/XX/XXXX. I called XXXX again and they told me they were contacted by a XXXX university staff member, XXXX XXXX, stating that I still owe this much money toward the XXXX student loan. I again contacted XXXX university 's XXXX 's office and financial aid office and they have said I do not owe any money and my account balance is {$0.00}. i was told to email the documents as well as a description of the issues to the XXXX University treasury to get this straightened out and for XXXX to be contacted to correct this error and show that both loans ( XXXX XXXX and XXXX student have been paid in full, which I did on XX/XX/XXXX, however I have no recieved any response or confirmation that this issue is being taken care of. My credit report now shows a delinquency of a {$990.00} payment that does not exist and I have contacted these three companies numerous times since XX/XX/XXXX and nobody seems to be helping to solve this problem. I have attached the documents of proof from conserve collection agency that both of these loans are paid in full. 

**THE PASSWORD FOR THE DOCUMENT IS : XXXX Thank you, XXXX XXXX Student ID @ XXXX
XXXX and Equifax have re-inserted a Bankruptcy on my account when it was already deleted. It does not belong to me and it was fraudulently re-inserted back onto my credit report. This is illegal and against the law. XXXX  has already verified this account does not belong to me and has removed it. 

Bankruptcy Chapter XXXX-Discharged. Filed XX/XX/XXXX # XXXX  Court : US Bank Ct. XXXX , Il.
I have a loan that was formerly serviced by XXXX XXXX, and is now being serviced by Navient. XXXX XXXX allowed me to access my loan details, which included principal balance, accrued interest, interest rate and type, and monthly payment amount. This monthly payment amount was periodically reduced to reflect my excess loan payments ( I assume ), so that information helped me to adjust my payments when I wanted. Navient, however, has changed their website and decided that my monthly payment due is n't information that 's important for me to have. Additionally, I used to be able to view statements online. Navient has decided that monthly statements are superfluous, and are also not needed by borrowers. So I 'm basically paying for a loan and tracking the balance myself, while Navient withholds information and will probably show a balance that 's higher than what I have in my records. Did I mention that the only information that is currently available about my loan is the principal balance, interest accrued, and past payments? I do n't know why private student loans are even still legal in this country, but this is XXXX ridiculous. If you guys at the CFPB have any power, the least you could do is stop allowing these predators to withhold information from us and prohibit interest rate increases on loans. I 've made consistent and SUBSTANTIAL payments on all of my loans for the past 5 years, and I should n't have to deal with this XXXX.
During the recession we were having trouble keeping up with our mortgage, so Bank of America offered us a option to help our situation thru the harp program. They took what we were behind in payments, added more to that for fees etc, and extended our loan to a 40 year mortgage. So now we find ourselves paying about the same payments that we were before only now much less of that money goes towards the principal. When you are facing loosing you 'd home, you will agree to terms that are not to your overall benefit.
This is a fraudulent transaction and I informed Best Buy regarding these XXXX transactions. Best Buy tried to charge me a {$25.00} late fee which they waived when I explained the situation with their credit specialist. I had my Best Buy Credit card stolen along with my visa card and reported it to the merchants in question. XXXX XXXX XXXXSocial Security XXXXBEST BUY/XXXX # XXXXXXXX XXXX XXXX, SD XXXXPhone number not availableDate Opened : XXXX : Individual AccountDate Updated : XXXX Received : $ XXXX Status : Current ; Paid or Paying asAgreedReport Created On : XXXX Number : XXXX XXXX of XXXX Type : Revolving AccountLoan Type : CHARGEACCOUNTLast Payment Made : XX/XX/XXXX Terms : Paid MonthlyDate Closed : XXXX Paid : XX/XX/XXXX & gt ; Maximum Delinquency of 30 days in XXXX for {$51.00} & lt ; High Balance : High balance of {$1100.00} from XXXX to XXXX ; {$1800.00} from XXXX to XXXX Limit : Credit limit of {$3000.00} from XXXX to XXXX : ACCOUNT CLOSED BY CONSUMER ; CLOSED
This account was previously removed. According to FCRA I am suppose to receive a 5 day notice before the account is reinserted. Please remove the XXXX XXXX XXXX XXXX from my report. You are in violation of the FCRA.