WillisBack/dataset-financial-user-claim huggingface dataset:
I had a checking account with TD Bank and was in a dispute with them over fees charged and told them I was going to open an account at another bank which I have done. In the meantime my insurance company XXXX deposited {$410.00} into the TD account instead of into my new account. The amount deposited was {$410.00} on XX/XX/2016 by ACH transaction ( electronic deposit ). I no longer have an ATM card with TD bank as I no longer use this account. I went to TD Bank to get my {$410.00} out and they said this is a " credit only account '' which means deposits can be made but I cant take anything out. I asked why I can not take the money out since the money is mine and I broke my toe and need to pay the Doctor bills with this money. TD BANK customer service told me to come in and close out the account and they would not be able to give me the money since I owe {$560.00} on my account. I told them I do not owe them anything and they are not correct as I dispute those fees and will continue to dispute them. They are blackmailing me saying the {$410.00} will sit in my account until I come in and close out my account but I told them I am not going to do that unless they remove the excessive fees they charged me which I am in dispute of. TD Bank told me NO. XXXX said they can not take the money out of the TD Bank account even though it was an honest mistake on XXXX part, I would like the {$410.00} balance mailed to my home address. The bank can not hold this money from what my Attorney has said. ( I asked for a free consultation with my Lawyer ). He told me they are illegally holding these funds since nothing showing due on this account and there is a credit of {$410.00}. if TD Bank does not mail me this money asap I am getting an Attorney involved in this!
In XXXX XXXX, I purchased a 2012 Honda Civic from XXXX XXXX, XXXX XXXX, Virginia. The purchase price was approximately {$10000.00}. The loan was 60 months at 7-8 % interest. My car payments, according to the dealership, were supposed to be $ XXXX/month. In XXXX XXXX, XXXX XXXX attempted to take approximately {$450.00} from my XXXX XXXX XXXX XXXX without my permission. I contacted the dealership, and they told me the car payment was in fact {$470.00} per month. I told them I did n't want to do business with them, as that was not the agreed upon price. They took the car back ( travelled to North Carolina and got it ), and told me I was free and clear. In XXXX XXXX, I received a notice of an involuntary allotment from my command by Security National Automotive Acceptance Corp. This was the first time I learned of any legal action against me, as all paperwork for somehow sent to my home of record, despite the dealership and finance company having my address in North Carolina. The judgment against me was for {$10000.00} at an interest rate of 20.15 %. SNAAC 's attorney, XXXX XXXX, told me that they should have mailed me at my NC address or through my XXXX. The judicial decree ordered me to pay the full amount, plus attorneys fees for SNAAC. Further, I have been receiving notices from SNAAC that I have been applying for loans, and those loans are being rejected. However, I have not applied for any loans.
I received a letter dated XX/XX/XXXX, signed by Mr. XXXX XXXX, Wells Fargo Merchant Services, Executive Office, stating that my merchants account ( ending in XXXX ) was cancelled ( see attached ). His response was relating to former CFPB complaint number XXXX filed by me earlier in XX/XX/XXXX. Since then I have received multiple emails suggesting that my merchant account is still open with the latest dated XX/XX/XXXX ( see attached ).
We have had this mortgage for about 15 years, and it has been sold a couple times to other providers. We pay more than the payment every month. We have been doing this for years. Over the last two years there has been multiple times, the additional amount is applied to payments, and not the principal. We call, they apologize, and they say it won't happen again. There has been at least 4 times we have caught this. Due to us not seeing this in the past, it appears they are doing this intentionally.
My mortgage was sold fr om   XXXX   XXXX   ( which I 've never had any problems with ) to   Freedom Mortga ge.  XXXX  notified me of the service transfer on   XX/XX/XXXX ,   indicating that the payment switch will occur betwee n  X/XX/17  and   XXXX  . However, FM did not contact, notify, or inform me of how to pay  until  XX/XX/XXXX   - over two fu ll weeks after the service change.  <P/> I understand that no late payments can be charged within 60 days of the service transfer, but it is also my understanding that FM had the obligation to notify me of the transfer " no less than 15 days *before* the effective date of transfer ''.  <P/> I am concerned about having FM service my mortgage given their infamous customer service, accounting practices, lack of professional standards, etc..
On XX/XX/XXXX, I received a phone call while in XXXX that my XXXX bill had not been paid. I had attempted to pay this online at the airport, but due to a spotty connection, it did n't go through. Having never missed a credit card payment in my life ( XXXX or otherwise ), I immediately gave them my partner 's XXXX account info ( he gave his permission to Comenity on the phone ), as I did not have my account info on hand. My late fee and payment were immediately marked as credited. 

Apparently, on XX/XX/XXXX, without my knowledge, the payment was returned. Comenity made no effort to contact me regarding the returned payment. Evidently, when speaking on the phone, the Comenity representative, who was having a hard time hearing me, missed a " XXXX '' in my account number ( there were XXXX XXXX next to each other ). Despite Comenity 's repeated assurance -- as recorded on the phone call -- that this issue would not be reported to the credit bureaus and as such would not affect my credit score, I noticed my credit score plummet over XXXX points a month later. On XX/XX/XXXX, as soon as I received my statement, I formally filed a dispute with Comenity, who said they would open an investigation to look into the matter. On XX/XX/XXXX, I received a letter ( dated XX/XX/XXXX ) stating only that " the Pay by Phone was processed properly '' and that my credit history would not be corrected. Later that day, I spoke on the phone with supervisor XXXX, who told me that unless I seek legal action, I can not receive detailed access to XXXX dispute team 's findings. 

Comenity 's misleading communication and lack of transparency appears to be an attempt at closing off avenues of recourse besides costly legal action in order to discourage further pursuit of my case. By refusing to share the recorded phone call or any of their notes from the investigation, it is impossible to confirm the veracity of their findings. 

I have never, ever, missed a credit card payment before, and am beside myself that a simple transcription error could jeopardize my credit score for the next 7 years.
I have a credit card through synchrony bank for XXXX as well as for walmart and amazon. I fell behind on my payments and missed a payment XX/XX/XXXX for XXXX. Since XX/XX/XXXX I have made XXXX to XXXX payments every month but XX/XX/XXXX. I new I was behind so I logged in and set up auto payment for XXXX payments ( XXXX XX/XX/XXXX, XXXX XX/XX/XXXX ) to at least pay something until I got my refund XX/XX/XXXX and could pay account off. I have been getting up to XXXX calls a day from them between the XXXX accounts all while I am at work. My job is upset my phone keeps going off I am a Therapist and I can not take calls while in session all day every day. According to the FTC they have harassed me by calling up to 50 times a day, I emailed them ( which I have ) stating I can not take calls do not call me and they continued to do so anyway. I logged into my account and set up these payments within a day or two I got notice that immediately after they closed my account. When I called to ask them about this today I was told that making a payment every month expect one and setting up a payment arrangement was n't good enough. So now, my credit report reflects a bad debt despite me making payments.
I am a victim of fraud and identity theft. An individual was able to finance a car under my name using fraudulent information. I sent the police report, the written affidavit, and proof of identity to Equifax on XX/XX/XXXX. I received confirmation that F.Shavers signed for the package on XX/XX/XXXX. I have called and spoke to several people in the fraud department ; however, the item is still on my account. I am frustrated and feel victimized all over again. It isn't fair to be treated this way. I am at my wit 's end. None of the other credit bureaus are giving me a hard time except for Equifax.
Step 1 : What is this complaint about? 

XXXX XXXX has sent inaccurate tradeline information to Equifax about my credit card four times in XX/XX/XXXX. 
I want the inaccurate tradeline information removed, and have contacted customer service at XXXX XXXX and Equifax to alert them that the information is inaccurate, and I want it removed. 

Step 2 : What type of problem are you having?

My credit report is continuously monitored by the TrustedID Premier service by Equifax. I have received four emails in XX/XX/XXXX notifying me about changes to my credit report, made by XXXX XXXX. The changes to my tradeline that have been reported to me are inaccurate. 

Step 3 : What happened? 

On XX/XX/2018 and XX/XX/2018, XXXX XXXX reported to Equifax that my account had been Affected by natural or declared disaster. 
This is wrong. I have not been affected by natural or declared disasters, and I did not make any such report, ever. I know of no natural or declared disasters in my surrounding area. 
On XX/XX/2018 and XX/XX/2018, XXXX XXXX reported to Equifax that Consumer disputes after resolution. 
This is wrong. I did not make any consumer dispute on my XX/XX/XXXX account in XXXX or XX/XX/2018 at all. I paid my accounts on time in each case, without making any kind of dispute. 

Step 4 : What company is this complaint about? 

This complaint is about XX/XX/XXXX customer service and Equifax TrustedID Premier Customer Care. 
I contacted the TrustedID Premier Customer Care Team at XXXX on XX/XX/2018 to report the inaccurate tradeline update made to my credit report by XXXX XXXX. Equifax TrustedID Premier Customer Care Team told me there was nothing they could do, and I should call XX/XX/XXXX. 
I called XXXX XXXX customer service ( XXXX ) on XX/XX/2018, and described the problem to them. They said they would clear up the inaccurate information and remove it from my credit report. 
On XX/XX/2018 I received a letter from XXXX XXXX saying they corrected the issue. However, they did not. The inaccurate information has remained on my credit report, and they have added more incorrect information each month of XX/XX/XXXX. 
In addition, the correction XXXX XXXX claimed to have put in place was in itself inaccurate. They said my account was no longer in dispute. That was not trueit was never in dispute in the first place. 
When I received information about more inaccurate updated tradeline reports being made to my credit report by XXXX XXXX, I called their customer service line again on XX/XX/2018 to complain about the inaccurate information they keep reporting to Equifax. 
Once again, XXXX XXXX did nothing to correct the situation. 

Step 5 : Who are the people involved? 

The people involved are myself and the customer service representatives at XXXX XXXX and Equifax TrustedID XXXX Customer Care.
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against Security Credit Service. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long.
XX/XX/2015 I noticed a public record account of a property tax lien on my credit report. It was a tax lien from XXXX County Superior Court in Georgia for the amount of {$1100.00}. It was listed with the Transunion company. This is the only Credit Reporting Agency that had this listed. 
This tax lien was not mine. I have never been to XXXX County, never lived there, never owned property there. Over the past year, I have filed XXXX disputes trying to have this removed. I have asked for verification of their information. They could not provide this. I have asked for their method of verification. They did not supply that to me. I have gave them a name and phone # from the XXXX County clerk of courts office of someone they could talk to about this. They did not call them. I have sent them a copy of the index listing of tax liens in XXXX County for the date listed on the lien. This came directly from the clerk 's office where tax liens are filed. It was proof that it was not there. They said I was being frivilous. I did one of the disputes on line. The rest I either typed or hand wrote. I had several of them mailed by certified letter and notarized. It did not help. I recently got my last rejection letter about this dispute. They changed the amount from {$1100.00} to {$150.00}. It 's like they do not get what I am trying to tell them. Changing the amount is not going to make it right, it is still not my tax lien. I went through XXXX disputes about this, and on the tenth all they changed was the amount. I have talked to XXXX different people at Transunion, with several of them being managers. Please help me get this removed from my credit report. I do not know what else to do. I have informed them that they are breaking several laws by not fixing their error. That did not help. I am uploading copied of the credit report. One showing it before they changed it, and one showing after they changed it.
I purchased flowers for my wife on XX/XX/XXXX for delivery on XX/XX/XXXX via the internet for a delivery in XXXX, Ok. on XX/XX/XXXX. I charged {$79.00} to my XXXX XXXX XXXX XXXX XXXX card. These flowers were never delivered to my wife. I contacted the dispute department on XX/XX/XXXX explaining these details to them with a follow up forwarding them the purchase order I printed from the web sight indicating delivery on XX/XX/XXXX. I received a letter from an individual named XXXX XXXX Card member Service, indicating they would not reverse the charges because I didn't cancel the charges or return the merchandise. 

I followed this up with 2 phone calls to XXXX XXXX and a supervisor by the name of XXXX employee # XXXX that their was no merchandise to return because no merchandise was ever received. They refused to reverse the charges. 

My case # with XXXX XXXX is XXXX Please help. 

My name is XXXX XXXX XXXX XXXX XXXX XXXX, Ok. XXXX Phone # XXXX XXXX XXXX
There is an account that is listed on my credit report for XXXX, that shows up as a derogatory account. This account was closed more than 8 1/2 years ago, and all of the credit reporting agencies still have it listed, and refuse to take it off. All it says on the report now is " Dispoute resolved, customer disagrees '' but I do not consider the complaint resolved
I contacted Wells Fargo regarding a purchase from XXXX XXXX for a vehicle that I rented which did not meet my expectations. Issues with the vehicle included faulty unsafe equipment, AC that did not work, and ultimately vehicle suffered a mechanical malfunction. XXXX had been notified through their consumer relations department and through two separate XXXX XXXX XXXX complaints. ( Complaints XXXX onXX/XX/XXXX, and XXXX on XX/XX/XXXX respectively ) Wells Fargo was contacted on XX/XX/XXXX and instructed to place a stop payment on any XXXX transaction. They were given card numbers, and pertinent details regarding the matter. Additionally, they were contacted again on the XX/XX/XXXX and given a specific dollar amount to add to the stop payment order. On XX/XX/XXXX, the transaction in dispute posted to my account in the amount of {$1100.00}. On XX/XX/XXXX, I was informed to file a dispute to the transaction. Upon speaking to the dispute representative, I was informed that I did owe them money, that I did purchase a product from them. Wells Fargo is not the moral adjudicator for my financial dealings, nor do they have sufficient information to determine whether XXXX honored their portion of their obligation to me. Wells Fargo did not act within the scope of their obligation on my behalf. Wells Fargo did not honor the stop payment requested by me on two different occasions, and Wells Fargo did not act in good faith on my behalf, their customer. The representative simply read XXXX invoice ver batum. I was under the false impression that Wells Fargo sought to assist their customer, not act on behalf of the merchant.
I have used AnnualCreditReport.com with no issues for years. The last XXXX times I 've tried to use the service it has failed starting in XXXX of 2015. This time when I tried to get my report from Experian, after entering all my information it immediately goes to a page that says, " We were unable to honor your request. If you entered your credit card information, we did not charge you. '' Then it proceeds to tell how to get a credit report, how long it will take and how much it will cost. It also requires a copy of a government issued photo ID and a recent utility bill or like document. 

This is totally unacceptable. I did a quick internet search and have found similar complaints from many others. it appears the credit reporting agencies are not holding up their agreement to provide a free credit report annually to those who request it. I am asking you to contact them and require them to correct this error immediately. 

Thank you, XXXX XXXX
My number is currently being spoofed by Secure Lending Corporation. For several months, they have been calling people in XXXX County ( they only appear to call numbers with the XXXX area code ). I would get people calling me attempting to " return my call ''. When I tell them that I did not call, some would get upset with me. I did not know why this was happening and without a company to file a complaint against, I had little recourse. But finally they slipped up. 
They happened to call my wife while spoofing my number. With my phone next to me, there was a call coming in on wife 's phone and it was apparently me calling. When I answered, the lady said she was with Secure Lending and she wanted to talk to me about my mortgage. When I asked here why she is spoofing my number, she immediately ended the call. 

Ultimately, I would like to stop this practice. I hope someone will be able to stop them.
I am a customer of NYCB, using the physical branch of theirs ( XXXX XXXX ) at XXXX XXXX XXXX, XXXX XXXX as regarding this complaint. 
On XX/XX/18, I scheduled an ACH payment of {$870.00} to XXXX for a Credit Card account held there. In so doing, I transferred the necessary funds from my E Money market account to facilitate the transaction. And, the request was therefore confirmed by XXXX. 

On XX/XX/18, an employee of XXXX XXXX, XXXX XXXX XXXX posted a check for {$300.00} that belonged to another customer of their bank to my account in error. 
On perusing my account on the night of XX/XX/18, I saw that there was an unauthorized debit posted to my account in the amount of {$300.00}, and immediately contacted their Customer Service via my online account-telling them of the problem. And, I cc'ed same email to the bank personnel at the XXXX XXXX  branch XXXX The unauthorized debit to my account, negligently facilitated by the bank employee rendered an overdraft on my checking account as the ACH was still paid despite the balance being {$300.00} short due to the bank 's error. 

I received a call from the XXXX XXXX bank employee on XX/XX/18, and she apologized and promised to resolve the matter as soon as possible. She assured me that visiting the branch was unnecessary. 

On XX/XX/18, I decided to check my account, and was quite dismayed to see that there was an Overdraft Fee assessed to my account, which again put the account in overdraft. 

There should be no Overdraft and no Overdraft Fee assessed to me for a fault that was engendered by an incompetent employee who took money from my account in error. 

I visited the branch to see the employee and have her reverse the Overdraft Fee, and rightfully put my account back in the black. 

To date, I have not received any response from NYCB Customer Service. My email to them was not acknowledged, and neither was there a response to my email account regarding their internal snafu. 

People intent on doing business with NYCB and XXXX XXXX   should remember caveat emptor, as their staff is ill-equipped for their fiduciary responsibilities.
I tried to apply for a gas card through XXXX and was denied due to showing XXXX hard inquires on my credit report. I checked my credit report and as a result saw there were hard inquires on my credit report as well as my personal information is incorrect and needs to be updated my day of birth shows XX/XX/XXXX and that is incorrect. There is information on my credit report that needs to be deleted due to have been paid off, it 's from the XXXX XXXX XXXX XXXX it was originally from XXXX XXXX then was appointed to the government. I have filed a complaint before in regards to the issue I had with XXXX XXXX, which now is XXXX, but related the another issue. It is reported as closed but is showing on my credit report. The hard inquires for these last 12 months are not something that i recognize and would like them removed off my credit reports.
1. XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , SD XXXX ( XX/XX/XXXX ) 2. XXXX XXXX -XXXX XXXX XXXX XXXX, TX XXXX XXXX/ XXXX XXXX ( XX/XX/XXXX 3.XXXX XXXX XXXX ( XX/XX/XXXX & XX/XX/XXXX ) 4. XXXX XXXX XXXX XXXX  XXXX, OH XXXX ( XX/XX/XXXX ) 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) I want these hard inquired removed off m y credit report.
I applied for a line of credit with my bank compass bbva i have a security freeze as well as a fraud statement on my report. I received a letter saying i was declined because of the statement. I called was told to visit a branch. I did that at which point the branch manger called me back told me i would ned to run my credit again i said no I was told t bring this info he then decided he should scold me and hung up the phone.