WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, I opened a XXXX XXXX checking account online. On XX/XX/XXXX, I signed up for online banking and was able to deposit {$2000.00} through the app ( mobile check ), from my other account at XXXX XXXX. By XX/XX/XXXX, I was not able to access my account online or on the app because it said that the account was locked. I called back and it was because the check was still being processed and my account was put on hold and that I should contact them by the XXXX. In the physical letter I received, it also said that I should have access to the money by the XXXX. In the meantime, I also deposited XXXX through ACH directly from the other account ; this is in order to meat the XXXX minimum balance for avoiding the monthly fee. 

I called back on the XXXX, and the representative reported that the holds department is not letting go of my account until after Friday. I called back today ( Saturday, XX/XX/XXXX ), and they now say that I will not be able to access my account until XX/XX/XXXX. I feel as if enough time has passed such that the original {$2000.00} check should have cleared through the bank. Checking my XXXX XXXX account, they sent both {$3700.00} and {$2000.00} on XX/XX/XXXX, and 8 business days has passed by since then. 

I believe a hold on the mobile check is reasonable, but even that given time frame has passed. However, I do not understand the hold on my account such that I can not log in and such that I can not access any of my money at all. Even though I have received my debit card, I have not been able to activate it in order to deposit or withdraw money ( even the amount they said was " available. '' Additionally the customer service agent hung up on me today after I told them I wanted to file a complaint with them.
XXXX XXXX Attn : Experian, XXXX, XXXX My name is XXXX XXXX I have provided you with the following items I have listed below that your company is reporting inaccurately. I look to place all accounts as fraudulent accounts. I am a victim of identity theft, and I have been affected by the credit breach where my identity was leaked. I am unaware of the accounts that you continue to report. Please take this documentation I have provided as an internal dispute and an affidavit. I am allowing XXXX hours for your investigation for the errors to be correct and the inaccurate items removed permanently. If this becomes a problem for any reasons after XXXX hours I will file a law suit against your company for placing inaccurate obsolete information on my credit. I demand a copy of an original contract with under the new FACTA act. I will sue for willful non-compliance under section FCRA XXXX. 

Accounts : 1. XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Witness : XXXX XXXX Witness : XXXX XXXX Thank You XXXX XXXX
Wells Fargo is falsely reporting information to the three credit bureaus, XXXX, XXXX, and XXXX. They are reporting payments as late, when they are not. They are reporting this account as closed, when it is not. They are reporting this vehicle as a repossession, when I have custody of the vehicle and am currently making payments on this loan. They incorrectly charged this account off, 18 days after receiving the XXXX payment. They refer to the XXXX payment as a redemption payment, It is not. It was a reimbursement for impound fees that my daughter incurred. This payment needed to be made before XX/XX/XXXX, to avoid repossession status. It was made on XX/XX/XXXX. Wells Fargo is showing, incorrectly, on my account that I paid this payment on XX/XX/XXXX. 

Screen shots of this account has the amount that I paid incorrect, as well as the date. I am just a cosigner to this loan. They are adversely affecting my credit, while they are still receiving payments and this account is current. They have reported the XX/XX/XXXX payment as 30 days late. It is not. They had this account locked out until XX/XX/XXXX or XXXX, XXXX. I made the payment on XX/XX/XXXX. It posted XX/XX/XXXX. This particular payment, just a couple weeks ago showed as being made on time, on my credit report. Now it has been changed to 30 days late, which is incorrect. 

The account in question is listed in the documents that I will provide. I have included documents showing that I paid to have this vehicle towed to my residence on XX/XX/XXXX, as well as screenshots of the account. I currently have complaints or disputes open with XXXX, XXXX, XXXX, and The Ohio Attorney General.
I was a victim of Idenity theft by a man named XXXX XXXX XXXX who claimed he fixes credit and had a company called XXXX @ XXXX construction he was a con man who put things in my name and never paid. He went to jail for doing this scam to many people and he may or may not be out of jail now ... He put a mortgage in my name from XXXX bank it has been removed from some credit agencys I need it removed from all
US Bank is knowingly and intentionally, providing miss-information to run up an accumulate late fees. Every time a called in to make a payment I was being told that there was not late fee due. Now at the end of the contract, I am being billed a total sum of late charges as part of " termination charges '' along with a termination fee. I believe this to be a calculated process to increase fee income and is unfair to consumers and fraudulent. At no time was I ever billed or asked to pay a late charge during the life of the loan.
Loan Application with Lakeview Loan Servicing Facts : I was gifted funds to assist with a 20 % down payment and closing cost from my children father. We both have separate accounts at the same bank therefore the funds were simply transferred form XXXX account to another. My bank statement clearly discloses the account number where the transfer came from. A letter was provided on the bank letterhead outlining the date and amount of each transfer which reconciled with the express banker deposits that were made into my account, the letter also includes the name and telephone number of the account representative if additional verification was needed. 

A gift letter that was signed and dated by my children father was provided per their request. 

Issue 1 : Request for children birth certificate. 

Compliant : The loan officer is requesting copies of my children birth certificate and claims it is a XXXX requirement. I can see several law suits in the development if this practice continues. 

Reviewing XXXX seller 's guide I found nothing that requires that the borrower provide birth certificates or social security cards for their children. 

Issue 2 : Request for Bank Statements from an unrelated 3rd party. 

Although all financial documents currently provided clearly discloses where the gift funds were transferred from and could easily be tracked the loan officer refuse to accept the document. They are requesting the bank statement from the unrelated 3rd party that gave me the money ( my children father ). The party that provided the gift is not associated in any way with the mortgage transaction other that providing the gif. 

Requesting the bank statements of an unrelated 3rd party is excessive when several alternative documents have been provided which verifies the source of the funds and show the history of the banking activity. 

The loan officer is applying XXXX guidelines and the Patriot Act abusively. 

Either intentionally or unintentionally both XXXX and the Patriot Act guidelines are being misinterpreted and causing unnecessary stress and the possible loss of my {$40000.00} Ernest money if the loan is denied. 

I am unwilling to provide my children birth certifications to apply for a mortgage and unable to provide the bank statement of someone else bank account.
I have XXXX loans with Navient, XXXX stafford and XXXX private. My stafford loans went through rehabilitation a couple of years ago and I have really been working hard to make sure I got them paid every month. Starting in XXXX of last year navient apparently began applying my stafford payments ( which total to approximately $ 90/month ) to the private loan ( which I also pay {$60.00} on monthly as arranged by their creditor XXXX for the last 3 years ). They misapplied my stafford payments from XX/XX/XXXX until XX/XX/XXXX and now I have a terrible late payment history on my credit reports which I had been making such great progress on in addition to all the late fees. I only found this out because I recently tried to get financing and was unable to. Not only had I paid what I owed them but I even had paid more than {$400.00} in extra payments ( extra payments in XXXX, XXXX, XXXX, XXXX and XXXX ). Their website is so confusing its taken me hours going back and forth with my bank statements to even figure out where my money went.
I have received a lot of information on my credit thats not mines .XXXX   XXXX, 3 XXXX XXXX accounts, 2 XXXX XXXX, 2 XXXX XXXX, XXXX XXXX, XXXX/XXXX/XXXX charge off, XXXX XXXX XXXX Several inquiries. I have no bad information on my credit. inquiries, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX-XXXX, XXXX, XXXX, XXXX, XXXX XXXX bank, XXXX XXXX, XXXX XXXX/XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX  XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX bank, XXXX several times, XXXX, I have like 100 inquiries. I dont apply for anything
I am a victim of identity theft. The following accounts and credit inquiry listed on my XXXX XXXX, Experian and XXXX credit report is fraudulent, unauthorized and not my accounts or credit inquiry : XXXX XXXX XXXX XXXX # : XXXX,XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX credit inquiry : XX/XX/XXXX. I have never lived at the following address : XXXX XXXX XXXX XXXX, XXXX XXXX, ND XXXX
Bank of America recently deactivated my ability to make payments online. They provided a number to call, but I never get through. I do not have time to wait hours to get a hold of anyone. I 've talked through email and online chat, but those individuals tell me to call the number again. I have n't lost any money yet, but technically I will be paying more interest if I have to mail by payment since they are making it inconvenient. I have never experienced this from my other banking relationships.
Received a notice from " Allied International Credit Corp '' indicating that I owe {$37.00} to XXXX which has been referred to ALC for collection. 
In fact, I have not purchased anything from XXXX in several years. They are also using a name which I do not typically use for purchasing any items on the internet. 
I believe the letter is a total scam.
Equifax has 4 accounts and will not remove them. I told them ID THEFT VICTIM AND they stated after numerous investigations they have proven accounts were mine and refuse to remove. However. One account is XXXX AND THE ADDRESS FOR THE COMPANY IS WRONG AND FALSE. ALSO I CONTACTED THEM AND THEY HAD NO RECORDS OF ME OR ADDRESS ACCOUNTS WERE LINKED TO. THEY EQUIFAX, XXXX, and XXXX are all ID FRAUD ACCOUNTS AND EQUIFAX refuses to REMOVE IT BECAUSE THEY STATED THEY VERIFIED THE 4 accounts were mine. I asked how they knew that. And all EQUIFAX STATED WAS THE INVESTIGATION IS ELECTRONIC AND ALL THE DEBT COLLECTORS HAVE TO GIVE THEM IS NAME DATE OF BIRTH AND LAST OF SOCIAL SECURITY. THESE ACCOUNTS HAVE BEEN DISPUTED OVER AND OVER AND STILL APPEAR ON MY CREDIT REPORT ALTHOUGH THEY ARE ID FRAUD. EQUIFAX XXXX AND XXXX ALL REFUSED TO REMOVE AND I CONTACTED ALL COMPANIES AND NOTIFIED THEM. AND ALL I GET IS ITS NOT MY ACCOUNT FROM THE CREDIT ACCOUNTS BUT ID THEFT HAPPENED AND NO ONE WILL REMOVE THEM! Please Help me
Dear sir or madam As of XXXX I wanted to refinance for a lower interst rate but I was denied this privilege and I was offered a loan modification in XXXX as the only response to put my monthly mortgage lower, since it was hard for my family to keep up with the payment. I have never miss a payment. 
In XXXX, I decided to refinance to be able to finish to pay in 15 years and lower my interst rate. It was denied many times. I reapplied with my wife XXXX and it went through. in the process of closing my mortgage refinancing that I have started with Bank of America, the bank that managed my mortgage since XXXX. After setting a closing date, bank America was asking me to pay about {$10.00} within 2 hours to be able to close. I did not have that money and still wanted to lower the interest rate that is toxic for my finances. They cancelled the closing. 
I was told this money is a retention from the HUD from XXXX the transaction became official in XXXX as per HUD paper. I can say from XXXX to XXXX I never paid late in fact if you look at my payment history I paid 3 months in advance to catch up. I do not receive a deduction toward my principal for paying several months early. 
Dear secretary of HUD, I will welcome any measures that will allow me to lower my interst and prevent insolvency.
XX/XX/2019 I made 2 check deposits through the mobile app for fifth third bank. The 1st check was immediately available, in the amount of {$180.00}. The second check, in the amount of {$850.00} was placed on hold for 7 business days and no funds are available. Even after 1 business day, the first {$200.00} is not available. From my understanding about federal law, deposits under {$5000.00} are required to have {$200.00} available the next business day. I have contacted several people by phone, and even visited my local branch with no resolution.
In XXXX XXXX, I closed my BILL ME LATER account. 
I made a purchase in XXXX XXXX for {$12.00}. This was somehow charged to PAYPAL CREDIT not my PayPal.com account. 
The {$12.00} charge grew to {$27.00} in late charges, because I did n't know I had a PAYPAL CREDIT account. I suppose it was because I CLOSED THAT ACOUNT SIX YEARS AGO! 
I was able to speak to someone at the PAYPAL CREDIT company, waived the FEES and pay the principle. I CLOSED THE ACCOUNT AGAIN. Fingers crossed this time it sticks. 
Recently PAYPAL was fined and ordered to improve its disclosures for PayPal Credit. They clearly have not done so. 

Regards, XXXX XXXX XXXX XXXX, California XXXX
A review of my credit report showed a collection account by  Diversified  dated in   XX/XX/XXXX .  I have never had any contract with  Diversified Consultants  and my contract with  XXXX  was cancelled. I have disputed this with all   XXXX   credit bureaus on both  XX/XX/XXXX  and on  XX/XX/XXXX , and their response on my credit report is " Meets requirement of the FCRA ''. A letter was also sent via certified directly to Diversified on  XX/XX/XXXX  - their response was to mail me a copy of a  XXXX  statement of account.
I have a checking account at US Bank. 
At about XXXX. on XXXX XXXX, 2016 at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ( hereinafter the XXXX XXXX location ), I asked for a money order for {$120.00} at the bank drive thru. I received the money order. I received an official receipt showing the account 's balance at {$300.00}. 

On the same day at about XXXX., I went to the grocery store and purchased {$13.00} worth of groceries.I swiped my US Bank account card, a debit card, about 4 times and each time it showed the transaction was not completed. So, I said, let me go to the US Bank branch located next to the grocery store at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ( hereinafter the XXXX XXXX XXXX location ) to see What 's goining on with my account. 

I was told at the XXXX XXXX location I had a negative balance of {$170.00} or {$170.00} because I had written a check for {$480.00} on my account. I stated that I did not have checks or write checks unless I came into the bank and requested over the counter blank checks and that I had not requested over the counter blank checks for about 1 year. 

After some investigation and questioning of me, the bank teller and assistant manager at the XXXX XXXX location solved the problem. They discovered that the bank teller at the XXXX XXXX location had cashed the person 's check behind me in the bank drive thru line on my account. 

The error denied me access to funds in my account. The error caused me great mental distress, harm, and trouble. Suppose I had went to a restaurant and ordered and consumed food, and I then had given the waiter my debit card to pay for my meal? Which I have done before. Or suppose I had filled my vehicle with gas and then went in to pay for the gas? Which I rountinely do. Or suppose I had went to XXXX, XXXX miles away, and purchased gas at tlhe gas station XXXX miles from town? Which I have done. All of those things I have done before with confidence that the balance in my debit card was accessible immediately for use. 

The error immediately caused me extreme mental distress not only for the denial of immediate funds with which to purchase food but for funds needed for future use to make medical appointments which I had the following day. Initially was told I would have to wait until the following day with would have destroyed my ability to make my medical appointments. But after further investigation by the manager and bank teller and a call to the XXXX XXXX location, the error was corrected on the spot and I returned to the grocery stor and completed my purchases. I was also able to purchase vehicle gas. 

I mailed a letter addressed to : US Bank XXXX XXXX XXXX XXXX, XXXX XXXX Dear XXXX and XXXX XXXX XXXX XXXX on XXXX XXXX, 2016. I asked for an explanation of how such an error could occur. Now I ask for any compensation owed to me as a result of the error and the harm and XXXX caused Sincerely, XXXX XXXX XXXX
I have been disputing unauthorize inquiries and credit errors on my credit report for over three years and XXXX, XXXX and Equifax has n't deleted negatives from my credit file. Credit reporting agencies have not supply evidence of my handwritten signatures with me applying for credit with lenders or credit companies. Some creditors companies will sign consumers name just to protect themselves from any Federal lawsuits. This is the list of unauthorize hard inquiries on my credit report that is damaging my credit scores with XXXX, Equifax and XXXX. According to XXXX XXXX monitoring credit and scores my XXXX credit scores is at XXXX, Equifax XXXX, and in my free membership with XXXX monitoring credit score is at a very damaging score at XXXX. Credit reporting agencies are very aware that I am a US Military Veteran and I am XXXX XXXX XXXX XXXX. Under my XXXX XXXX Act under the Department of Justice and Federal and State Consumers Laws I am been Discriminated and Retaliated because my National Origin as a XXXX XXXX and Military Veteran status. Here is the twenty five or more Unauthorize inquiries list on my credit reports that 's damaging my credit and scores .A Bankrutcy Chapter XXXX was filed on XXXX XXXX and XXXX , Texas Federal Judge Discharged on XXXX XXXX and as I view my credit report XXXX, XXXX and Equifax was not deleting collections and negatives wording statements on my credit files. Unauthorize Hard Inquiries list of twenty five or more are as follow that is displaying on my credit reports.. 1.XXXX XXXX .Inquiry date XX/XX/XXXX Misc.Reporting Agencies 2.XXXX.XX/XX/XXXX.Misc.Reporting Agencies 3.XXXX XXXX XXXX XXXX .XX/XX/XXXX 4.XXXX XXXX XXXX.XX/XX/XXXX 5.XXXX XXXX .XX/XX/XXXX 6.XXXX XXXX XX/XX/XXXX 7.XXXX XXXX.XX/XX/XXXX 8.XXXX XXXX XXXX .XX/XX/XXXX 9.XXXX XXXX XXXX XXXX .XX/XX/XXXX 10.XXXX .XX/XX/XXXX 11.XXXX  Pre.owned Auto.XX/XX/XXXX 12.XXXX XXXX XXXX.XX/XX/XXXX 13.XXXX XXXX.Personal loan.XX/XX/XXXX 14.XXXX. XX/XX/XXXX 15.XXXX XXXX.XX/XX/XXXX 16.XXXX .XX/XX/XXXX 17.XXXX XXXX XXXX.XX/XX/XXXX 18.XXXX XXXX.XX/XX/XXXX 19.XXXX.XX/XX/XXXX 20.XXXX XXXX.XX/XX/XXXX 21.XXXX  XXXX XXXX.XX/XX/XXXX 22.XXXX XXXX XXXX.XX/XX/XXXX 23.XXXX XXXX.XX/XX/XXXX24.XXXX XXXX.XX/XX/XXXX 25.XXXX XXXX.Utilities & Fuel.XX/XX/XXXX This list of creditors should supply Federal Government on my file complaints with my hand written signatures
This company put an old debt beyond the statute of limitations back on my credit report after it had fallen off over a year ago via the original debtor and another collection agency trying to collect on it. They NEVER sent any communication nor called me and allowed me to dispute it. They also lied about the dates and put XXXX XXXX. This debt was from XXXX. I saw it on my credit report via XXXX. They illegally parked an old debt and did it silently. I called and advised them to take it off immediately and advised them it was illegal and I would report them. The lady said she would NOT help me because I raised my voice and told her to take it off, that it was illegal, and an illegal practice. She advised me, she did n't care.
The responses offered did not fit my situation. The ones I chose were closest to it. 

I recently received my XXXX mortgage interest form from Bank of America. It was not correct. My XX/XX/XXXX mortgage statement stated that I paid {$22000.00} in interest. My XXXX, which was available online on XX/XX/XXXX, stated the amount was {$20000.00}. I called during the 1st half of XXXX and was told by the person that they would send a revised form. As of XX/XX/XXXX I had not received the form so I called again to find out the status. The phone system says a new form was sent XX/XX/XXXX ( it wasn't posted online and I didn't receive a copy in the mail ). When I reached a person ( XXXX employee # XXXX ) she explained that since I have prepaid 4 months of my mortgage, they would only report interest through the scheduled XX/XX/XXXX payment ( which was made in XXXX ). I mentioned that the Table 1 Instructions for IRS publication 936 ( page 10 ) states that " You can deduct all of the interest you paid during the year on mortgages ''. When I asked to speak with someone that could answer why BofA was interpreting mortgage interest this way she would not forward me to anyone else. She said that both the Tax Area and Year End Department were closed for the day ( this  was at XXXX in the XXXX  EST ).
I have on numerous, document occasions, attempted to resolve the unfair and deceptive practices performed by Citibank. Despite refusing to provide the bonus offered in unsolicited advertising sent to me, Citibank continues to send me unsolicited offers for similar cards for which I have no idea whether they will honor or not. 

This is unfair and deceptive. I require you provide the advertise offers you send me. 

If you make a mistake and send me offers which I then respond to, you should acknowledge your mistake before I meet my end of the implied contract. 

If you can later determine I am ineligible, do not send me the offer in the first place. 

Please provide appropriate restitution for your actions.
Made a Washer purchase from sears on XXXX/XXXX/15 cost {$950.00}. Was told if I opened a account, would get promotional discount and no interest for 12 months. The washer was defective and returned. An exchange was made on XXXX/XXXX/15 cost {$900.00}, before the XXXX item was delivered. I change canceled the XXXX washer and purchased a lower cost washer {$840.00}. I made several payments but notice as higher balance on the account and was told I was being charged for XXXX washers. I called several times disputing the amount. After several attempts I was told as long as the account was in dispute, there would be no attempt to collect on the disputed amount. That was untrue as I received multiple calls to attempt to collect on what I did not owe. After all the calls I did not receive the promotional discount.