WillisBack/dataset-financial-user-claim huggingface dataset:
Earlier this year, I opened an account with USAA via online application. I opened the account with the {$25.00} minimum requirement. Beginning in XX/XX/XXXX I began depositing XXXX per pay period from my payroll deposits into that account since it was going to be my neice 's " savings '' account. XX/XX/XXXX, I went to withdraw money from the USAA ATM fo rthe first time and was given a telephone number to call after the receipt said can not dispense funds. At that time ( XX/XX/XXXX ) I called their CS XXXX requesting information on where my money was, which had only accumulated to XXXX and I was told that the account was put on hold pending eligibility. I informed them that I was indeed XXXX XX/XX/XXXX however my paperwork was in IL in a storage locker and I can not provide it. I was very upset because the account had been opened so long and I had NOT ever been contacted and now my funds were on hold, XXXX. I no longer cared to be eligibile - I want to close the account ( I saw this gap in communication as horrible service ) which I informed them, however the department that closes the account was closed at XXXX. On XX/XX/XXXX I called again and spoke to a member of the dept. who said my fund would be sent via check, expect it in 5-7 business days. By XX/XX/XXXX they had not called - I spent 2.5 hours being tranferred around their back offices and told a manager would call me back in 24-48 business hours. On XX/XX/XXXX I called back and basically accused of having untraced funds from my XXXX Payroll which is clearly stated in the account summary ( attached ) and asked did I ever serve in the military in an accusatory tone from the executive resolutions team and told he would submit a request to their back-office and " see if anything comes of it. '' The same back office who told me on XX/XX/XXXX there is nothing they can do. There is some condescending overtones and I just want my XXXX
While on XXXX with the United States Military XXXX, I was the victim of Identity theft/fraud. Multiple inaccuracies and fraudulent accounts were opened using my credit information. I have disputed these accounts on multiple occasions, with both the credit bureaus and the company who owns the account. With my disputes I have explained the situation, supplied documentation of my XXXX, and the police report filed that led to the arrest of the person responsible. Still the credit bureau and company refuse to remove the incorrect/derogatory information.
I was charged XXXX NSF fees by BBVA compass bank and they placed these charges on my account discriminately and did not post these fees as the charges posted. I requested all XXXX NSF fees reversed and the bank refused and only credited/refunded XXXX of them. Futhermore they charged these NSF fees after XXXX deposits were pending on my account.
I have been submitting my complaints to Equifax with my police report and notarized Identity theft affidavit for 2 years now and they refuse to remove this account. XXXX and XXXX have removed it. Equifax ignores my dispute.
My complaint is due to my divorce and primarily involves my HELOC, though my first mortgage ( fixed rate Home Equity, really ) is with the same lender. I will remain with my kids in the home and want to assume both the Home Equity and the HELOC ( or have my ex-husband 's name removed ) but I 've been unsuccessful. I 've submitted a complaint previously but ca n't dispute the response, possibly due to the age of my complaint, but research takes time. I 've had a chance to review my HELOC docs and have several issues. First, my ex and I both believed the HELOC was secured by a different residence that he 'll be keeping ( no loans attached ). The docs do n't state what property secures the HELOC. After many calls to my lender, and much confusion on the part of my lender during research, I 've been told that the home in which I reside secures both loans. Next, I 've researched some info re : " due on sale clause '' being one of the only tools available to lenders to prevent assumptions. I ca n't locate this clause in my HELOC docs, so I 'm wondering if that may only apply to first mortgages. Whether it applies only to first mortgages or to the HELOC, as well, I 've been told by my lender that I ca n't " assume '' my loans nor can I have my ex removed. If my lender is incorrect in prohibiting me from removing my ex, I 'd like to know how I should proceed. If THAT does n't help my situation, I 'd like to know if the 1982 Garn-St Germain Act applies, and if so, how I should proceed. Finally, my HELOC docs state that instructions for some types of transactions may be made by one borrower without requiring all borrowers to sign ( though reinstatements for borrowing, etc., must be made by all borrowers ). I 'd simply like to instruct my lender to remove liability from the second borrower. My requests for the past 4 years have been denied. I 've shown my ability to pay without a second borrower for the past 4+ years, without any late payments, and I also have liquid assets equal to many months of payments. Aside from the proof of my ability to pay, could my divorce documents be presented to my lender to accomplish my request? We currently own XXXX houses together, XXXX without any loans whatsoever, which my ex will be retaining, and making monthly payments to me. I own the one house mentioned above with a mortgage and HELOC as well as XXXX additional homes without any loans whatsoever. I 'm requesting assistance again due to new information and my inability to convince my lender that I 'm just as trustworthy as I was when I applied for my loans with my ex as co-borrower. I 've always made the payments without his assistance, but as mentioned, can prove I 've made payments for more than 4 years without his assistance. Any help you can provide is appreciated. I 've mentioned a couple of scenarios above that I 've run across while researching, but if there are other options that will help me achieve my goal, please let me know.
I was charged {$470.00} appraisal fee. Royal United Mortgage emailed me all terms related to loan. They were informed this is a permanently fixed manufactured home. Before and after appraisal I was never contacted by co. Had to seek them out to find they did not want to go thru with loan. My credit rating is XXXX. My income is sufficient. The loan I have is FHA. I would like the appraisal fee returned.
On XX/XX/18 I inquired about information relating to the home buying process. I provided my name, email, and telephone number to Quicken Loans. At XXXX on XX/XX/18 I received a call from XXXX XXXX associated with Quicken Loans on a recorded line. 

I was asked if I wanted to give permission to do a hard inquiry on my credit report and I replied that I did not give permission for that, and I am not interested in continuing the process as I was just looking for information. 

On XX/XX/18 a hard inquiry was added to my credit report by XXXX. On XX/XX/18 I contacted XXXX XXXX with Quicken Loans via email at XXXX stating I would be filing a complaint due to a hard inquiry done without permission and my specific instructions not to do so. I received no response. I am awaiting a response from Quicken Loans.
I recently received a copy of my credit report. The credit report showed a credit inquiry by Sallie Mae Bank that I do not recall authorizing. Sallie Mae should contact me before placing an inquiry on my file. I am fraud victim and my credit file indicates to contact me before pulling my credit file. Sallie Mae should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file. I have spoken with Sallie Mae representatives to remove inquiry and they agreed to remove but I did not receive any letter from Sallie Mae to indicate that.
I was told that a soft pull on my credit would be done and not a hard inquiry. I just noticed that it's still on my report and I'd like to remove it.
My vehicle has been repossessed by XXXX XXXX. I have called them and they told me how much I need to pay to get it reinstated. They will not tell me how long the vehicle is going to be at the place of possession, only that it could be transported to an auction lot in 24 hours. 

I also have NOT received any correspondence in writing that the vehicle has been repossessed. The fees are going to mount. I have a very high interest rate, which I am aware of, however, I just need my vehicle back. I can not afford the {$2000.00}. which they want me to pay due to fees etc. this is my second repossession and all they told me that the next time ( if there is one, I will not be reinstated ). 

I know that I should have received some correspondence and also given a date as to when it could be auctioned so that I can pay for this. I have a job but I can not do my job without a car. I have assets in my retirement account but they can not be released until late XXXX 2018. PLEASE HELP.
XXXX XXXX collection according my is not mine identify theft also attached a copy of my police report number
XXXX XXXX with Wells Fargo is deliberitly delaying the refinancing of our loan. She indicated to me that I would be put in touch with a loan supervisor two weeks ago and I never received a call. When I called her today she stated she forgot.
I was attending XXXX XXXX XXXX and was granted a Student Loan with ACS Education Services in XXXX. At one point I was late on making a payment. This account with ACS Education Services was transferred, closed with a {$0.00} balance. This is how it 's reporting on my credit report. I 'm currently paying off this original student loan with XXXX and have never been late with payments. I contacted ACS Education Services in XXXX and XXXX and requested the negative remarks ( late payment ) to be removed from my credit report. I was told via secured email that the account will report accuratly and the negative remarks will be removed from credit report. However, this never happened. I filed a dispute with a credit agency, XXXX in XXXX of XXXX and provided a letter stating that I completed rehabilitation program for the student loan, currently making automatic payments to XXXX and never missed one payment in 2 years. I also provided email communication between ACS and myself stating that they will remove negative remarks from credit report. ACS replied to credit bureau, XXXX stating that the account is reporting correctly since I was late when I had the active account with them, even if my account with them is currently closed, transfered with a {$0.00} balance.
checking my credit report, i noticed a debt in collections. it says it originated with XXXX  XXXX XXXX, in XX/XX/XXXX. i was a customer of theirs, at that time. i cancelled the policy, WITHOUT ANY OUTSTANDING DEBTS. i contacted XXXX   XXXX first about this debt. they have no record of it. i am still a customer of theIrs and they have never tried to collect on it. 
i contacted the collection agency, XXXX XXXX XXXX, they can not or will not tell me what the debt is for. 
i will not pay a debt that no one can tell me what its for. THE AMOUNT IN QUESTION IS FOR XXXX $ i challenged this debt with XXXX. on XX/XX/XXXX.they investigated, and on XX/XX/XXXX completed that investigation. they can not give me an answer either.
Collection service of Athens {$690.00} XXXX XXXX XXXX for {$300.00} for {$94.00} for {$120.00} for {$66.00} and for {$120.00} which was all paid by my insurance company so I do n't owe any collection agency anything. Plus I do n't I never signed a contract with collections of Athens or XXXX agency
We tried to payoff the account and were told there was no account yet there is a lean on the property. We have been trying for almost three weeks to close escrow yet Citibank wo n't respond to requests for payoff.
After reviewing my credit report from your bureau, I found the underlined information on my report. I do n't believe it 's mine so can you remove it from my credit please.
While shopping for a loan I spoke with many lenders to try and find the best rate and fees for my refinance. Guaranteed Rate received an application over the internet from me, but I made it clear I was not moving forward with their firm. Every day I receive an application package to sign and so does my wife. The first instance was well after I first entered our family 's information and had already chosen another lender. We now receive daily prompts to sign our application and full initial disclosure package. This was very confusing and misleading at first. Now, it is a nuisance. 
Guaranteed Rate did not receive my business because they did not have a clear fee structure. What they promised online was not was I received on an initial cost estimate and the loan officer never placed the updated fees promised in an email on paper. She only asked if I was ready to lock today. When I said no, that 's when the application links began. 
I believe this is there strategy to coerce applicants to come back to them, but badgering them with applications after they have passed in hopes they catch the XXXX of XXXX that may come back. I emailed the loan officer and the individual sending the link to stop and remove my file. This has not happened. 

It is a nuisance. It is confusing to borrowers. It is a problem that they are not solving themselves by ending the constant emails.
XXXX called me out of the blue on XX/XX/XXXX about an amount supposedly owed to an ER doctor in XXXX XXXX, Rhode Island. I had already received an EOB from my insurance company saying that I owed nothing. I asked the person on the phone to send me a copy of the bill which they never did. I continue to received daily robotic phone calls from all different numbers. I have spoken again to my insurance company and they say I don't owe anything and if this company sends a bill to forward it to my insurance company.
On several occasions I have disputed an account XXXX XXXX XXXX with Equifax as the account information is incorrect. I have requested multiple times for a verification and validation of the actual debt and I have received NOTHING from Either Equifax or XXXX. XXXX XXXX yet this inaccurate account is still reporting negatively on my credit report. As this has violated my federal rights, this account is to be deleted from my credit file.
I obtained a loan through XXXX to purchase a vehicle. Approximately one year into the loan my account was transferred to Santander Consumer. Once Santander obtained my loan, they modified how my payments were being allocated and as a result my loan has been extended and my pay off amount never seems to change despite my payments. I asked for Santander to send me a breakdown of how my payments were being allocated. They refused. They began harassing me at work despite the fact I asked them to never call my job. I reported the harassment to the XXXX and that prompted Santander to stop sending me any statements at all. Each time I called they transferred me to the bankruptcy department, the office of the president, the charge off department, to XXXX, every where but to someone who could help me. I was told that they can only communicate with my attorney to which I told them numerous times I did not have. They keep repossessing my vehicle as a means to pad my account with charges since I have been questioning how I could possibly owe half of the loan six years into owning the vehicle and paying on it. Each time I call I get different information all amounting to nothing. They have ruined the credit I have been trying to rebuild. Santander is not operating with good business practice by no means. I now too many people having the same issue with how Santander applies payments. They have now repossessed my vehicle for the fourth time in a year. I am seeking some relief and plan on suing them in court. Santander claims that I asked for a cease and desist which I NEVER did at any point. I asked them to obey the law and not cal l my place of employment. Words can not express the level of frustration, embarrassment, and harassment that this company has put me through with their unscrupulous business practices. It is as though this bank is operating under it 's own guidelines without much respect for anything legal. This bank is failing, and they plan on staying afloat by manipulating the poor those of us trying to rebuild such as myself. Who is policing this bank? Is the government going to allow the same thing that happened at XXXX XXXX to go on indefinitely at Santander. At one point when I asked the representative to stop calling my job she kept asking me to give her the number that I do n't wish to be contacted. I refused to repeat that number because they digitally record the phone conversations then manipulate the recording to make it sound as though I am giving the phone number as a contact point. When I said to her, these are the only two numbers at which I can be contacted, then gave her my home and cell numbers, she called me dense for not wanting to repeat the number where I did not want them calling. These are the underhanded tactics they employ at Santander. They also do business with other unscrupulous businesses. The second time the took my vehicle, the repo company damaged and stole my XXXX from my vehicle. Santander has stuck me with the bill of repairing my vehicle. I hope someone here can assist me or at least point me in the direction of where I can get some relief from these thieves.
I 've recently financed a vehicle and the loan company is charging me more interest than agreed upon. The interest is more than the actual loan amount.
On XXXX XXXX, 2016, I received from Amazon.com & partner Chase, an unsolicited " Amazon Rewards VISA '' credit card. As shown in the uploaded pdf files, this unlawfully issued card had a credit limit of {$6500.00}. I shredded it immediately and called Amazon customer service, who in turn referred me to Chase security. According to them, my personal information was used by a " 3rd party '' to request the credit card. However, neither was willing to show me any proof of the information used by this so-called " 3rd party ''. For example, they said the personal information included the answer to my security question asking for my mother 's maiden name. I asked what the so-called 3rd party 's answer was to that question and they could only say that it was " my name '', which is not the established correct answer to that security question. I told each that they should be able to provide me all information used to open a credit card in my name, but they were not able ( or not willing ) to provide me any proof that it was not they who issued this unsolicited credit card. Moreover, I told them that the card came to my address, rather than the address or post office box of a so-called 3rd party ... a fact that makes no sense when a 3rd party had nothing to gain by sending the card to my address. I then contacted XXXX of the XXXX credit reporting agencies, which shared my fraud alert with the other XXXX credit reporting agencies. Each of them provided confirmation of the alert. 
The XXXX document in the uploaded pdf file, shows another instance of Amazon.com and Chase issuing an unsolicited Amazon Rewards VISA for a credit limit of {$5000.00} to another consumer. Finally, the third document in the uploaded pdf file, is the XXXX XXXX CEO 's recent admission that XXXX had also been issuing unsolicited credit cards and other services. Perhaps this was an Amazon/Chase attempt to keep up with their XXXX competition. 
I am requesting that the CFPB require Amazon and Chase to provide to the CFPB, and to me, all information use in requesting and issuing this unsolicited credit card, in a sincere and good-faith effort to convince me that they issued this credit card based on information provided in a request by a 3rd party!
I deposited a check in a Chase branch. Same day, without contacting me, Chase has restricted access to my checking account, which resulted in all transactions being rejected. I have only learned about the restriction five days later when I received a US mail letter from Chase saying that they blocked my account and that the account is pending closure. After calling Chase, I learned that the reason why Chase blocked my account, was that they could not contact the person who wrote the check. This was of course a good check which timely cleared into my account.
My name is  XXXX   XXXX  an d BSI Financial ha s been my loan servicers since  XXXX   2016,   and they encouraged me to work with keep your home California, however keep your own California takes very long time to review my request for assistance and BSI keeps placing my home up for sale every month and it is very stressful and nerve wracking. Since last year we 've requested loan modification from BSI several times, however and they do not give such an option. This is the only home I have and my family lives here, but BSI only wishes to sell it. I want to start paying for mortgage again, but they are asking for too high of price for a home that is only  XXXX  square feet.
This complaint is against gateway One Lending and Finance. I am submitting this complaint because I have been trying to work with this company for quite some time. To make matters short, they have been very troublesome to work with. 

In the end I had an agreement with an individual named XXXX XXXX who stated that if I paid off the remainder of a balance that was owed for a vehicle loan I had with them then they would report it on my credit report as paid in full and they would release the pink slip. Besides the fact that I still disagree that i owed money as I made more than 5 years worth of payments on a 5 year loan, I still paid them to get them off my back and get the pink slip. 

I check my credit report and the account is not showing up as paid. Furthermore, an individual named XXXX XXXX was treating us disrespectfully. he stated that the pink slip was never sent because they did not have my address on file. I do n't see how they didn ; t have my address since the settlement letter that was given to me had my address on it .... I will forward it to you. Then, when I presented that fact to him, he kept talking over my husband and made some pitiful excuse as to why the pink slip was n't sent and why the address was on the letter and not in their system. I feel like I was lied to in order to get me to pay them. That is coercion. Unfortunately for them I am familiar with the law. XXXX Fair Debt Collection Practices Act states that no one engaged in collection activities which includes original creditors can lie to you in order to collect a debt. If they do not deliver what was promised I will sue them. 

That was n't the end of it. He also started insulting us by stating that the account had n't been paid and that our concern seemed petty to him. it is not his place to question his companies policies. It is also not his place to try and belittle us, which he did. They should not treat customers especially ones who paid them this way. He even seemed arrogant when my husband told him he would be filing a complaint against him and said that his manager was unavailable when we asked for him. How convenient. 

Again his name is XXXX XXXX and this complaint is as much against him as it is against Gateway One Financing. Please assist me in getting them to do what was promised before I have to sue. They are now holding me hostage with the XXXX.
My parents bank with a well known bank that I will not name as fear of retribution. My name was on their account. My parents were scammed out of close to {$30000.00} dollars. The bank manager told me she tried to stop my parents and told my father to " call one of your children '', and yet, never picked the phone up to call me. And yes, they admit to " some mistakes were made '' but that is not good enough for me. I would like to see that the banking industry do more to protect this vulnerable population. I would like to see that steps be put into place that when a family member calls to alert any bank that they suspect their family members are being scammed, as I did twice and messages were taken and yet no one ever got back to me, that a " different drop down list comes up '' and they are sent to the banks fraud department, before, not after the fraud has occurred as what happened in my situation.