WillisBack/dataset-financial-user-claim huggingface dataset:
Regarding the complaints Case # XXXX. US bank did not being honest about my case and they lied to me and to you. Thinking that I will go away and you can closed this case because they responses.
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1. Took them 12 days to refunded my own money instead of federal regulation of 10 days. From X/XX/17- X/X/17 2. The day I notified US BANK my transactions was still in PENDING status. If they looked closely it is so obvious it was a fraud transactions.
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a.Transactions being XXXX miles from where I lived.
b. ATM fee balance inquiry at other network for {$2.00}.
c. non us bank ATM DENIED FEE for {$2.00} d. ATM card was in my procession.
c. I was a long time customer.
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3. Because of 3 of my bills being returned due to US bank refused to pay it knowingly that it was a fraud and now I am being charged late fees from my cable and water company.
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I am just a little guy who do not have money laying around for this type of injustice. US bank did have to go by the book if they have a heart. They have the power to pay while the item in PENDING status but they choose not to. They never returned my phone calls after several attempts.
To added the insult to my injury. This account was suppose to be a free checking account. After US bank took over they did not honor the old agreement and now I am being charged with {$7.00} monthly fees. I want my {$50.00} that was charged from my cable and water company. I want US bank to send an apology letter to them so they will refund the late fees that caused by incompetent from US bank.
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Sincerely, XXXX XXXX
On XXXX XXXX, XXXX, I received a phone call from XXXX XXXX OF the Frontline Collection Agency, stating that a previously held joint credit card from the time of my marriage was still in existence. XXXX XXXX insisted the outstanding balance was my responsibility as my name was on the acAcount during my marriage. He requested that I put the outstanding balance on a credit the day of the call. XXXX XXXX incorrectly reported the outstanding amount due as being {$7000.00}. 

I informed XXXX XXXX that this was not my debt and that I had no obligation to pay the debt. I requested the information be sent to me in writing, which XXXX XXXX did. The email I received further added that the debt must be paid by XX/XX/XXXX, which had not previously been mentioned and legal action was threatened. 

I have no reason to believe there is any joint account subsequent to my divorce. A Property and Support Settlement Agreement was signed by my husband on XX/XX/XXXX and by me on XX/XX/XXXX. Both signatures were duly witnessed by NOTARY PUBLICS. This document was ratified into a Final Decree of Divorce is filed in Circuit Court of XXXX County, Virginia. 

The section titled OBLIGATIONS FOR PRIOR DEBTS reads as follows : The parties acknowledge and agree that all joint marital debt has been paid in full and there are no longer any open jointly titled credit cards, and in the event, that this is not correct, such joint accounts will be closed forthwith. The parties agree that any debt incurred by either party shall be the sole and separate responsibility of the party incurring such debt, and each shall hold the other harmless and indemnify the other in this regard. 

Additionally, I have never received by post, by email, or any other method, a bill, or any correspondence with information having to do with the account. If my husband left a joint account open, it was in violation of a court order. 

I want this account removed from my credit report.
In XX/XX/XXXX my Lowes Credit Card rate on purchases was 24.99 % APR, in XX/XX/XXXX it was raised to 26.99 % APR. When I called about the reason for the increase, the explanation I was given that is was a corporate decision and went into effect for all customers and that it is line with all competitors rates. My Home Depot card is not that high, nor is my XXXX card. I have an issue with this rate as it is only 3 % below the Criminal Usury Statute here in NJ. I will attach statement from XX/XX/XXXX and XX/XX/XXXX.
On a past mortgage account I had with Summit Funding from XX/XX/XXXX to XX/XX/XXXX, there  was a delinquency that was reported in XX/XX/XXXX that is incorrect. For the month of XX/XX/XXXX my payment was sent around the XX/XX/XXXX. My checks were being sent to XXXX XXXX, VA XXXX as it was stated on the only document I had received since the start of the loan. I had not received any payment books or monthly statements either. A credit monitoring company emailed me saying my account was delinquent. I called Summit Funding and was told that my payments were going to the wrong place and that I was using the wrong loan account number. They were supposed to be sent to XXXX, PA XXXX. I was told that my payments were being re sent to PA and that the correct loan number that was not on my original document was being changed and that it would take up to two weeks to reach the correct XXXX XXXX. During that process it made my payment 30 days late. It is an error on Summit Funding due to the only document I received until I personally called and got all the correct information that i was never given. This error is drastically effecting my credit and possible future credit applications. I would like this error to be corrected since it was an error on Summit Funding and their guidelines state that they will correct any errors that occur on their behalf.
This is bogus I filled out XXXX applications with american express and they call me tell me any rep can assist me witch Is not case leaving me with an secured ref code to make sure im an legit applicant
XXXX /2016,  XXXX ,  XXXX /2016,  XXXX , none just now looking at my credit report I had identity theft someone been using my social
I opened a savings account with B of A MANY years ago to compliment the checking account I 've had with them since XX/XX/XXXX. I only opened it upon being assured that there were no monthly fees associated with it. And, indeed, there were none until, beginning XXXX XXXX XXXX, BofA started deducting a $ XXXX/month monthly fee. They never notified me of their intention of doing this, and I only noticed it in XX/XX/XXXX. By then, I had paid XXXX x {$12.00} = {$60.00} in fees. I phoned to complain and ask for a refund, but the agent only offered one {$12.00} fee as refund. To her credit, that agent then also changed my account to another type of savings account where there are ( apparently ) no monthly fees in the future. 

I consider deducting funds from my account without a pre-notification to be tantamount to theft. If I had been notified, I would have closed the account, or changed to the type of account without fees. 

I escalated my complaint to XXXX XXXX, an " Escalation Manager '' who said that I " probably '' must have been pre-informed, and there was nothing he would do to repay the {$45.00} that BofA by then had seized and not repaid. He could not demonstrate to me that I had been pre-notified - only his opinion that " it must have happened ''. He would not give me the telephone number of his manager, XXXX XXXX, for me to escalate further.
On or around XX/XX/XXXX I contacted all three credit reporting bureaus about the removal of a negative item showing paid as agreed on my credit from XXXX XXXX XXXX XXXX. I advised each of them the negative account activity shouldnt be showing if the account is paid as agreed. This is false reporting or double talk. I also raised awareness that just because I dispute old items currently they shouldnt be reporting it like it happened currently as the negative activity happened in XX/XX/XXXX. It was the actual first date of delinquency of this one account. They informed me that the account reported a second delinquency in XX/XX/XXXX and that is the 7yr date they will remove it from. I informed them then that that is wrong. Reporting of a delinquency as I will show you all in the statement disclosure sent with the reports to consumers in the document section. The disclosure specifically stated a delinquent account remains on record for UP to 7yrs of FIRST DELINQUENCY ( XX/XX/XXXX ) not second delinquency. Therefore Im demanding they remove this item from my credit report as it is reporting in noncompliance of the disclosure. They all refuse to let me file a dispute about their wrongful reporting so if they dont remove it Id like to raise the awareness to the FTC of my FCRA rights. This is a violation of my right to have negative items removed in a timely fashion as well as refusal to allow me to file a dispute about it. Not the creditor because theyre information is correct. Im disputed the removal in compliance with the deletion of negative delinquent items. After all if an item is closed and paid as agreed how can it be listed as a negative item and be paid as agreed it dont make sense so clearly its bad reporting on the part of XXXX, Transunion and XXXX. There are laws and I have rights and I ask that this negative paid as agreed XXXX  balance account be removed from my report as well as the other borrower on this account. This account is paid and closed as of XX/XX/XXXX. It is set to be removed up to 7yrs of FIRST delinquency and I ask that it get removed on or before XX/XX/XXXX. I dont pay nothing late and this needs to be fixed. Otherwise Id like it very much that all 3 bureaus be held accountable for unlawful reporting practices by making accounts current thats old when consumers dispute the information and not allowing me to dispute this items removal from my report,
I placed a complaint here on XXXX XXXX, XXXX about US bank closed my checking account and my two savings accounts on XXXX XXXX, XXXX, today XXXX XXXX I have n't received the checks from my two savings accounts. 
complaint ID XXXX. 
Today 's complaint is that with no reason US bank credit card mailed me two letters on XXXX XXXX advising me that they will also close my two credit cards that I have with them 12 years ago and 3 years ago. I have called and let messages to the account 's manager and number on my letters but not answer any of my calls. 
On XXXX XXXX US bank credit card sent me an email with an offer because my good standing on my credit cards and they increased my line of credit in XXXX dollars more for a total of XXXX in on credit card and XXXX in my second card. 
Today as every Friday since XXXX XXXX I went back to XXXX XXXX to ask about my money from my savings and they told me that my two credit cards are closed now since yesterday. 
This closure have to be related to my previous complaint and it is impacting me tremendous because I care a lot for my credit score, my two credit cards were in good standing and with a 100 % on time payments, As we can see US bank has personnel doing a really bad job and are destroying Loyalty customer like I am, I was really happy with US bank because the fixed my credit when I needed and they also gave me my car title before I even paid it because for my good credit they offered me an unsecure loan and I gain may car. 
Today I am frustrated, no answer in the branch and it will cost me time to fix my credit score again. 
I did and give my information when the bank needed the probe are attached.
I closed out my mortgage loan with Selene Finance when I sold my former house on XX/XX/2018. I was told by the closing attorney that Selene Finance would send me a check for the excess money in my escrow account within 20 days of closing. Selene Finance has confirmed that there was approximately {$4000.00} in my account but they have not sent it to me, despite numerous attempts to contact them.
This is loan that Bank of America should have dismiss because that what they me over 15 years ago. An it still show up on my credit report. It was during time period when the interest rate super seeded the loan on the card an their was no way I could keep up the principal rate an the loan got larger making me unable to pay. Back in 2006 it was to have drop.
We were working with XXXX XXXX XXXX on a car loan that we fell behind on. It was no more than 60 days behind and we were working with our account manager to make up the payments and make sure it did not get repossessed. We had a series of payments setup so that we can make the current payment plus the past due payment. 

Well days before the next payment was scheduled to be taken out, which was scheduled by XXXX themselves, the vehicle got repossessed. 

We then went in to the bank the next day to pay the past due amount plus all the towing, vehicle storage, and bank fees that were accumulated due to XXXX not keeping their word. 

This should have never happened as we setup an agreement with the bank to ensure this situation would not happen. 

We have attempted to verify this in writing through the credit bureaus, but they have not provided us with any sort of breach of contract that would have resulted in a repossession ; and they are reporting it incorrectly.
I received a letter from Experian stating that they will not reinvestigate items that I have disputed which is against my rights. I am in the process of filing a lawsuit against them for having incorrect information on my credit file. XXXX has already removed the items, along with XXXX. Experian has to do so as well. They have until Friday to remove these items or I will be filing a lawsuit for the full amount due to me because of their refusal to reinvestigate and remove these items. I have attached my intent to sue and the final dispute letter that I have sent them because they are breaking the law. I plan on suing for the full amount due to the full extent of the law. This has been going on for 10 months. Enough is enough.
Was unemployed from XXXX to XXXX. Called every month and told them I could n't make a payment. Told me the only option was to lower payment ; no deferment and no option for no payment. I was finally informed in XXXX that I could defer my payment for up to 12 if I paid {$50.00} for each loan every 2 months. After the 6 months were up I could not make any payments still and the only option was to lower payments and to have payments automatically withdraw from my credit card. Now I ca n't make my credit card payment after 6 months of the automatic withdraw coming out and I ca n't make the lower payment. I called twice and told them I need help ; I ca n't keep making the lower payment or any payment and they tell me they ca n't help and their is no options for help and I have to pay.
I agreed with portfolio recovery associates to settle my debt and have it removed from my credit report for XXXX dollars and they left a balance on my credit report for XXXX. 
Totally illegal
I just attempted to payoff my second mortgage with Shellpoint Mortgage Servicing. I went on line to get a payoff amount. The system had me enter a payoff date and gave me an amount but had a disclaimer " Please call for updated figures prior to remitting funds as they are subject to change without notice ''. I called and the agent could not verify the figure and I was told that I would get in a few days. When I asked if I could make a payoff online or on the phone, I was told the online limited me to {$20000.00} of additional principal and they also could not take it over the phone. I would need to mail a check or pay for a wire transfer. This seems to be a very deceptive practice to delay a customer from paying off a loan to increase interest income.
XXXX XXXX FAILED TO REMOVE THIS ACCOUNT NO # XXXX AS PROMISED in several LETTER. PLEASE RE-DELETE XXXX XXXX XXXX ACCOUNT FROM her INNOVIS CREDIT REPORT TODAY. THANK YOU.
Wrote TransUnion letter on XXXX, and advised them that I am a victim of XXXX data security breach inquiries on file are a result of the XXXX data security breach. XXXX never responded to me, and I called several times and was on hold for over XXXX minutes.
I paid for as long as I could on a {$6000.00} loan. I lost my job, and now I am on Social Security. 

The debt was apparently bought/sold to a new company, and I believe they have violated the FDCPA by : 1. Refusing to validate the debt, and instead trying to serve me and sue me 2. Collecting past the statue of limitations for TN, which is six years from the date of the last payment. They claim I made a payment in 2012, I did not, and they will not provide ANY proof that I did. I need the Federal Government 's help.
TransUnion is at it again! Since my last complaint I just filed a short time ago they have now posted a totally false collection from some company I 've never heard of before! 
XXXX XXXX {$1000.00} {$0.00} XXXX account reported on XX/XX/2017 XXXX accounts reported on XX/XX/2017 Open Account # XXXX {$1000.00} Balance XXXX XXXX MIXED CC Original Creditor {$1000.00} High Balance XX/XX/2017 Opened Date XX/XX/2017 Last Reported Individual Responsibility Placed for collection Remarks Note This is fake! I feel TransUnion is deliberately trying to ruin my credit! They should be put out of business! This whole situation with TransUnion is getting very old.
The credit reporting agency will not block the fraudulent addresses and accounts off of my credit report due to fraud. I have disputed these same items over 2 years.
XXXX Charge Off reporting incorrectly. 
I contacted XXXX and they were not able to provide information regarding this Charge off Account
I received my monthly statement from discover for  XXXX   XXXX  the to  XXXX   XXXX    XXXX  . It had an additional fee charged as minimum interest charge fee. I called to ask  Discover  what the charge is about and I was told by  XXXX   ( EMPLOYEE  ID #  XXXX  ) that it was for my  XXXX  purchase on  XXXX   XXXX . I argued that a purchase in the current statement should not be charged interest until the statement bill is due. I was told that since I did a balance transfer in  XXXX    XXXX  , all purchases after the balance transfer will be charged interest immediately. I reported that I wasnt told about this and this sounds pretty deceptive. She told me it was in the fine print of the balance transfers.   It just seems that this is another way of credit card companies to make money by not disclosing the terms and charging fees at very high interest rates.
I am a Mortgage broker and have been work with a family that owns a home on Hawaiian Home Lands. The own the lease, and have a great need to refinance. Their current rate is 6.74 %. 
XXXX and XXXX XXXX have never been 30 days late in paying their mortgage to XXXX XXXX XXXX since XXXX. However, the mortgage was sold to Penny Mac on XXXX XXXX XXXX. You can see the print out from Penny Mac showing a late fee of {$1100.00}. How can this be late when no notice was served?. Attached are copies of checks of payment for the months of XXXX, XXXX XXXX showing all payment to XXXX XXXX XXXX were paid on time. Once the mortgage was sold to Penny Mac everything went sideways. The first payment to Penny Mac show a last fee of {$1100.00} but was never reported late? Attached is a print out from their account with Penny Mac which shows all their payments. 

A late payment ( greater than 30 days ) was reported on XXXX XXXX. That month the payment increased from {$2900.00} to {$2900.00} without prior notice. In XXXX XXXX, they accidentally paid the old payment of {$2900.00}. However, they paid the difference by the end of the month. How can this be thirty days late? We need your help! My clients have called Penny Mac many times and have had no results. WE want to have the late payment removed from the XXXX credit report ASAP. Sincerely, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX
XXXX refuse to remove outdated information from XXXX XXXX XXXX/ On the file is shows XXXX. XXXX  stating delinquency is from XX/XX/2013. 

FLORIDA LAW REDUCES THAT TIME TO 5 YEARS FOR A WRITTEN CONTRACT OR PROMISSORY NOTE AND 4 YEARS FOR AN ORAL CONTRACT OR OPEN-ENDED CONTRACT/NOTE.
Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXXXXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX  XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX   XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX   XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I have disputed these items by letters with all three credit bureaus.
I created an account with  XXXX   XXXX   XXXX  whom conducted an investigation on this collection account. As a result of the investigation, the collection account was removed from my credit reports. Last week, the collection account was placed back on my credit report with  XXXX  and  XXXX , showing a new balance owed.
On XX/XX/XXXX I entered into a credit consultation agreement with XXXX XXXX XXXX XXXX XXXX, credit consultant manager and Credit Repair Today promising to improve my credit worthiness which I later found out My credit rating was a fico score of XXXX. I was later contacted by a XXXX XXXX XXXX on XX/XX/XXXX stating that I qualified for a special offer and brand-new vehicle. At the time I was XXXX years old and very naive. I unfortunately entered into retail installment contract with Toyota Motor Credit on XX/XX/XXXX. According to Toyota Motor Credit, I still owe {$8500.00} to date which is outrageous to say the least. This account has been open for 6 years and 2 months and I am still submitting monthly payments of {$450.00}. XXXX on a XXXX XXXX XXXX under a % 17 interest rate and {$4.00} per diem. I believe that the amount owed is incorrect and that I have satisfied this account. I have paid {$31000.00} as of XX/XX/XXXX to Toyota Motor Credit.This company has been unfair in their practices with me as a consumer. I have been a victim of non-disclosures and deception.
Equifax was hacked and this resulted in the disclosure of credit information including social security information for millions of persons including myself. At a minimum, the CEO, CFO and IT security people need to be FIRED, FINED heavily, and JAILED for gross incompetence. In addition, the company should be liable for any and all financial losses for all individuals whose information was stolen, and used illegally for any purpose. There is NO excuse for this at all. The databases where this information is kept must be so secure that no one individual has access to open and download the files by hacking. The personal data needs to be strongly encrypted at the source and it should require at least two valid VP level usernames and strong passwords for each to access the database files. These databases need to be virtually unbreakable. After a small number of unsuccessful attempts to open/hack the database, the system should lock out the attempted hackers so they can not open the database even with the valid userID and password.
We have a reverse mortgage with Wells Fargo reverse mortgage and we have been unable to acquire money from them for various reasons according to them. we used a lot of the money a certain quota which they say it has to go through HUD. and I have to write a letter instead of over the phone like we always did before. My complaint is I sent XXXX letters to them priority mail but they say they only received XXXX and they said I forgot ss # or birth date of the person whose name is on the account. 
The account name is XXXX XXXX birth date XXXX XXXX # XXXX today is XXXX 2016 Loan # XXXX Pin # XXXX Wells Fargo Phone XXXX Reverse Mortgage I sent a fax from their bank they said they could't accept a fax.