WillisBack/dataset-financial-user-claim huggingface dataset:
I have previously disputed inaccuracies on my bankruptcy # XXXX such as balances, Experian always comes back verified with no proof just name and address of court house. According to the provisions of the Fair Credit Reporting Act 609 ( a ) ( 1 ), ( 2 ). Proof should be verified physically and not through a 3rd party.
I have asked EQUIFAX TO PLEASE COMPLY WITH THE FEDERAL LAW AND SEND ME THE ORIGINAL SIGNED DOCUMENTS PER THE FCRA SECTION 609 THEY HAVE YET TO COMPLY PLEASE SEND ME THE COPIES
I tried to open a high yield savings account with CIT Bank. on XX/XX/XXXX I received an email from them saying the following : Thank you for your recent application for a CIT Bank account. Unfortunately, after further review, CIT is exercising our right to decline your application for an account with our institution due to potentially high risk or undesirable activity. If you have any questions regarding this decision, please contact the CIT Bank Application Referrals Department at ( XXXX ) XXXX, Monday through Friday, XXXX to XXXX EST. I called the number above on XX/XX/XXXX to find out more about what they meant by, " potentially high risk or undesirable activity ''. The first guy I spoke to said that they could not verify who I was and that is why the account was rejected. I asked him with whom they tried to verify the information with so that I could contact them and correct any mistakes. His response was, " that is proprietary information that he could not tell me. '' I then asked to speak to his supervisor. The supervisor came on the phone and said they could only discuss what was in the email. I pointed out to him that the email stated, " If you have any questions regarding this decision, please contact the CIT Bank Application Referrals Department, '' and that I wanted to know more about how the decision was reached. He had the same reply that it was proprietary information. I asked him who I could escalate to next and he said there was no one else above him. I would like to know why they are not able to verify me. I have multiple credit cards, a mortgage, and savings and checking accounts with XXXX XXXX XXXX. I have also previously had student and car loans. I find it hard to believe that they are not able to confirm my identity and their reluctance to explain how they could not verify me is very troublesome.
Re : case # XXXX : XXXX complaint is in response to the above loan. I have previously registered a complaint in regards to this issue. As a result I only received a refund of {$1100.00} instead of $ XXXXThe money was kept for XXXX months and they only paid the refund after the complaint was made. 
PennyMac stated they have applied the balance to my escrow account. They can not do that and they had to refund my whole amount. On the other hand they have increased my monthly payments saying that there is a shortage of escrow. Kindly look into this and help us out.
On XXXX/XXXX/XXXX I came home from work to find a notice from the US Department of Education stating that a student loan of mine was in default. I had no idea I had this student loan. I have been making payments on the student loans I knew I had through XXXX XXXX. I was told that this loan was a XXXX XXXX which was given to XXXX and they said I never made payments and was in default so this loan was given back to the US Department of education. XXXX has never contacted me or given me the chance to pay it back. I now understand why my credit score keeps going down despite my best efforts to improve it. I feel that XXXX is at fault here.
I had signed up on CoinBase in XXXX XXXX with all my information and verified my identity with drivers license which was accepted and verified. Subsequently I was allowed to conduct transactions and purchase cryptocutrency. Over the last month it is not allowing me to do buy, sell or transfer my crypto currency stored on their site asking for verification again. I have tried doing so several times and have sent them numerous messages to ask what other information I can provide, but havent received any response. Meanwhile my funds are tied up with them and I can not access, transfer or sell and close out.
Caller called repetitively in a continuous barrage of rude and unprofessional calls. He did not once state his business. He was reluctant about giving up his name and who represented. He stated that " this will go on all day '' if he did not get to speak to the party he was seeking to speak with. He called 6 times in a row.After the second call he stated that his name was XXXX XXXX. 
The receptionist asked him not to call back and this was a place of business and he should cease and desist or the police would be called. His response was that he would call the police himself. 
He clearly did not state that he was a debt collector trying to collect a debt. 
After some investigation the number came up belonging to Kinum Inc. a debt collection agency. 
This is egregious harassment.
After sending information to verify myself with my disputes, including their internal file number XXXX, Experian has sent a refusal to investigate my credit file claiming a Suspicious Request. XXXX   and XXXX have started investigations based on the exact same request. Additionally, Experians delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. I personally know many other people in my advocacy group who have gotten this same canned response from Experian because they think no one will take legal action ... 

The items in question are as follows : ACCOUNTS XXXX XXXX  XXXX XXXX never late XXXX XXXX XXXX XXXX not mine INQUIRIES XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX  XX/XX/XXXX unauthorized XXXX  XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX   XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX   XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX XXXX not mine
A woman called me from an out of state # XXXX and said she was calling me because a Civil Action Lawsuit was being filed against me. She would n't tell me what the lawsuit was in regards to, she was rude, she said I needed to call XXXX and reference a case # within the next 2 days before I get served with a Summons. I called the toll free # and a man requested my name and DOB and said the call was in regards to an outstanding XXXX account the was 7 years old. I explained to him that I 've never had a XXXX account. He said I should know about it because it would have been on my credit report. I told him it was n't and I know this because I just purchased a home. When I told he to no longer call my phone and that I work at a lawfirm and will begin recording the conversation he got really upset and requested my bar number. He then said I could n't record our conversation and said he was going to hang up.
I was XXXX XXXX and had to be given hospital an XXXX by insistence of police officers who cuffed me in my own house because they thought I was drunk. Now a false crediting agency, Wakefield & Associates is requesting a payment of XXXX and I am unemployed as well as case is still undecided. I will not pay this
My husband was approved through our XXXX to be exempt from property taxes here in XXXX XXXX XXXX Va as he is a XXXX veteran. The problem is that Caliber home loans is continuing to take out the taxes, and will not adjust our loan to reflect the exempt status. I have called several time and each time they advise they will " open a new inquiry '' through their tax research dept. I am then advised to call back in a week because they are an inbound call center only. When I call back I enter the same loop again. I talk with someone who has no clue, am told they will open another inquiry, and I have requested to talk with a supervisor but am always denied.
I have been having financial issues and I had worked out something with them before but things did n't go as planned for me and I 've talked to XXXX a few times and told her that I was n't sure when I would be able to pay. I know that I owe and I had an issue before with them calling my work and also calling my references and my dad. I told them not to call my job or the family but yet they are still calling my references and family and also telling them why they are calling and telling them that it 's because I have n't paid my loan. Not only is this a breach of privacy but it is embarrassing for me beacuse I do not want anyone knowing about my financial difficulties. I am extremely upset but the things that have went on with this company. I 've submitted a complaint against them before for this same reason and apparently it was never resolved and I do not appreciate the blatant disrespect for my wishes by the employees there.
I have a forbearance on my Navient account until XX/XX/XXXX. On XX/XX/XXXX, I applied for a IDR plan due to changing teaching positions. Navient did not approve this plan until XX/XX/XXXX. I continually called and uploaded documents to their website due to the documents disappearing after 7 days .for the entire month of XXXX Then they sent me a ebill also on XX/XX/XXXX to pay the first payment on XX/XX/XXXX. I called them on XX/XX/XXXX to discuss finishing the previous forbearance or using one month of the forbearance to start making payments on XX/XX/XXXX. I was informed by two representatives, " XXXX '' and " XXXX '' that I had used all of the forbearance and could not change the original due date. They both told me that I could not use the remaining 2 months of the previously approved forbearance, that I could set up my budget to repay this bill. At the same time that I submitted IDR paperwork to Navient, I submitted it to XXXX and was approved on XX/XX/XXXX and my first payment was set up for XX/XX/XXXX, which I already set up for automatic payments. I simply want to start my Navient payment on XX/XX/XXXX.
Personal info stolen fro XXXX. 
Attempts to get credit cards from companies that I already have an account, caused hard hits on my credit report.
I went to a dealer to see some cars and the y run My Credit to Many times and shows there that i have some Credit card that i never have before
My debt was deducted by as previously scheduled from my bank account.

However Chase sent me black mail letter citing I am not paying. The letter was initiated on same date as monthly scheduled deduction.

This is unlawful banking practice just like Chase is acting like XXXX.

I want to stop Chase 's XXXX  activity.
On various occasions i have overdraft my personal bank account. My pay day falls on every other saturday. As per bank policy i understand overdraft fees will be assessed. On my payday i have received text message from the bank advising me of available balance with the overdraft fees already being subtracted. On monday morning when i got to check my bank account i have been charged with extended overdraft fees. This is a glitch in the banking system but it has been costing me and no one can seem to help me i have called the bank customer service and have gone to the bank and no one wants to reverse the fees.
On XXXX XXXX, 2017, I contacted the XXXX XXXX Clinic in an effort to pay a debt that was owed. The representative stated that the account was closed/charged off and that they account was turned over to a collection agency. I asked her what is their process when sending the account to the collection agency. She stated that " they buy them out. '' I have not a reason to contact the collection agency in order to pay for a debt that I do not owe to them, as the original creditor settled the account.
On  XXXX   XXXX ,   XXXX   I send out a certified letter to SYNCHRONY Bank to validate the inquiry that was made to my credit report. I receive a letter from SYNCHRONY on  XXXX  stated that they was unable to provide me copy of the application based upon the paperless method used for submission but they record indicate that the inquiry was accurate. I am victim of Identify theft and someone has been use my name. I do n't know this company and do n't know what they are. and I am requested them to remove the inquire our of my credit report
XXXX   IS BLOCKING ALL CREDIT FURNISHERS FROM REPORTING ON MY   XXXX   CREDIT REPORTS.    BARKLEY NE EDS TO CONTACT   XXXX    REPRESENTATIVE TO FURNISH WRITTEN EXPLAINATION FOR THIS DODD-FRANK ACT.
I need to send money to my XXXX account. Capitalone is blocking my efforts. They will soon loose me as a customer for this.
In XXXX XXXX I filed for bankruptcy. My accounts with my student loans were all in good standing and I was on an income based repayment plan which was {$0.00} a month. After filing I noticed that my amounts were closed but then I noticed that I all of a sudden had 12 late payments. When I looked at my credit report all of the accounts had XXXX as failed to pay. How exactly do you fail to pay {$0.00}? I feel that was deliberately done to further bring down my credit score.
My complaint is with Capital One 360 ; they do NOT allow an individual account depositor to add a " Payment on Death '' or Beneficiary to an account. Capital One 360 is an online banking subsidiary of the Capital One Financial Corporation, a financial holding company publicly traded on the XXXX ( XXXX : XXXX ). The web-only bank officially took over ING Direct in 2012 and offers an array of depository banking and lending products, in addition to its brokerage platform. The Capital One 360 branding was first introduced at the XXXX of 2012. I completed the online application form with Capital One 360 and officially opened an account a month ago. I called to add a POD to my account and spoke to XXXX ( XXXX ) ; he told me Capital One 360 does not allow this option but I could change my CD to add a co-owner. Not satisfied with this explanation, I called Capital One 360 two more times and was told the same thing. I was highly upset! I 've never dealt with any bank that did n't allow a POD to be added on my account. One of the customer reps that I spoke with offered an interesting tidbit of information stating when Capital One 360 bought " ING '' online bank in 2012 - it 's been very difficult to integrate the two systems. Really!! Their IT Dept has n't been able to figure out how to add the option for their customers to place a POD or beneficiary on an account! This is outrageous! I 've checked with other online banks ( XXXX, XXXX, XXXX, XXXX ) and they all accept a POD or beneficiary to be added to your account. Had I known this option was n't available with Capital One 360, I would NOT have opened an account with this online bank. They have breached my trust! I 'm asking for your assistance to research this information and to make everyone aware that Capital One 360 online bank does not allow the option to add a POD or beneficiary to an individually owned account.
Date : XX/XX/2018 RE : Complaint ID XXXX To Whom It May Concern : Thank you for your vital assistance regarding complaint XXXX, Chase /Student Loan Division. 
However, the correspondent, I received from XXXX XXXX XXXX, Chase, Executive Office on XX/XX/2018 did not address my concerns. 
I understand the debt was cancelled, yet when I was financial able to pay on the loan Chase refused the payment, nor would they reinstate a payment plan. 
My question is is it company policies or federal regulations reasons why Chase would not accept payments, after the XXXX was issued. 
Regard, XXXX XXXX P.S. My original concerns did not have anything to do with credit reporting procedures.
I had a checking account that was set up to auto pay a mortgage I was on with my ex-wife. We divorced and she was deeded the home. At that time ( XX/XX/2015 ), I canceled the auto-draft and my ex-wife opened a new account and set up the mortgage payment from that account. They continued to pull from my account so I closed the account and opened a new one. I noticed the payment was still coming out last month and after further research discovered it has been coming out for 1 year for a total of {$4900.00}. They have continued to pull the payment from my ex-wife 's account as well for a double loan payment monthly. All of these accounts are with Wells Fargo including the mortgage. I have spent countless hours on the phone only to be told today that they are unable to help me in any way. I never signed an authorization to have the payment pulled and even opened a new account to ensure the payment would not continue to come out of my account. The only way they would have been able to pull the money ( since my name is still on the mortgage ) is by right to offset, however the mortgage has never been past due to warrant the debiting of my account. They are saying there is nothing they can do and I will lose the {$4900.00}.
I opened a savings account at Wells Fargo to deposit money. I was told I needed a checking account, a second savings account, and a credit card in addition. I had no clue that the savings account had a minimum deposit of {$25000.00} to be maintained. Two years ago I withdrew most of the money from the account. I haven't looked at my balance over the years but had no clue Wells Fargo has been withdrawing a monthly fee to the point that the account is now empty.
On XXXX XXXX, 2017, last date to pay vehicle note before penalty, I received call from Wells Fargo Dealer Services. XXXX ID XXXX informed me of late fee due today. I reminded her that the XXXX day was today and no late fee should be applied. She continued with the amount of the late fee : {$100.00} ; and said that the late fee is added the XXXX day. Why should it even exist when the consumer ( me ) is paying on the XXXX day? I refused to pay her total {$450.00} that includes the said late fee, but paid the monthly {$350.00} ( {$350.00} ) over the phone. 
Each time I have had difficulty with Wells Fargo Dealership and presented my concerns to CFPB, it was resolved with justice.
I was contacted by XXXX XXXX XXXX XXXX on XX/XX/17 saying that there were contacting me from the City of XXXX XXXX DA 's office and that I was currently facing trail for nonpayment that I was going to be served papers and that I was going to be summoned to go to court. I was told that the only other option was to pay {$1200.00} by credit card or pre-paid card only and that I had to make the payment that day in order to not be processed in to trail, the person name was " XXXX XXXX '' with the City of XXXX XXXX DA 's and this was her one and only communication as a courtesy I asked for them to email me a paper trail and all they sent over was the attached.
Their address is linked to a XXXX in XXXX, NY The number they called from was XXXX an known scammer
XXXX XXXX is reporting a collection account on my credit report that they have made absolutely no attempt to validate the debt before placing on my credit. I have never heard from them and when I went to apply for a loan I learned that they were reporting an account that XXXX XXXX charged off 4 years ago. 
Not only did they not validate the debt before reporting it they are now re-aging the debt. They show the account opened in XXXX when it charged off at the end of XXXX. I complained to XXXX XXXX about a charge and they did n't respond and it led to a charge off. 

The account is also duplicated. XXXX XXXX is also reporting the account. 

That means there are XXXX violations due to a single trade line.
On XX/XX/XXXX my wife and I went into the XXXX, IL. branch of US Bank to transfer out two IRA 's to another bank, each IRA had matured on XX/XX/XXXX. At the time of the transfer the assistant manager processing the paperwork reduced the amount of each IRA by {$30.00} as a fee. We had brought all our IRA paperwork with us to the branch and asked the agent to show us where this fee was disclosed. After looking through all the IRA paperwork the assistant manager XXXX called an internal US Bank support line for help. After the call he provided us a " Consumer Pricing Information '' brochure ( printing XX/XX/2016 ) showing a transfer fee. We opened the IRA 's 5 years prior and were not given any fee information for the future, and there was no mention of any fee until we tried to access our money. We did asked to have the fees waived but were told only the manager ( XXXX ) could do that and was not available that day. We also called the US Bank 24 hour banking line the following Monday ( XX/XX/XXXX ) who referred us back to the bank branch we had already visited. I also called the branch the same day and spoke to the branch manager ( XX/XX/XXXX ) who could not help us in refunding the fee. The attached support documents only discuss early termination fees and nothing about transfers at maturity. Attached please find a copy of all IRA documents ( note : wifes IRA is identical in terms, dates, and fees, I can provide these if necessary ) This practice seems predatory in nature as we were not informed of the fees, never signed anything acknowledging the fees, and are charged this {$30.00} fee on each and every IRA account.
I Am a nine ( 9 ) year account holder with Rushcard, on XXXX XXXX, 2015 Rushcard updated their system which was more like a crash leaving myself aswell as XXXX customers with money and direct-deposited funds missing from their accounts. 

When myself and others ( As I have read online ) attempt to access our accounts our money is missing and deposits made to our accounts are lost in limbo with really no answer from customer service and a customer service number that plays elevator music while u either remain on hold indefinately or are hung up on when the line is purposely and repeatedly disconnected. 

Today is XXXX XXXX, 2015 and this has been an ongoing problem since XXXX XXXX, 2015
I opened a home equity line of credit ( can be used similar to a credit card, against the value of my home ) with TD Bank a few months ago. My limit was XXXX. The only transaction I did was for the amount of XXXX, to pay off my remaining mortgage and home down payment. When my first statement arrived in my home, the balance stated over XXXX. More than XXXX was spent by someone else, using my card that TD Bank said they had mailed to my home, but I never received the card. Somehow, these people activated my card and used it on a spending spree all over the city -- at many ATMs to withdraw cash, XXXX, and many luxury goods stores along XXXX XXXX in XXXX. Since then, as they asked, I filed a police report ( that I will attach ), and it 's been over 6 weeks. TD Bank will not return the funds to my account. They are in a never-ending state of " We are still investigating '', but meanwhile I can not use that balance in my account for business matters. It is causing me great XXXX to have this hanging over my head.