WillisBack/dataset-financial-user-claim huggingface dataset:
Hello Team, I opened an online checking account with BB & T on XX/XX/XXXX and deposited online {$50.00} as account opening initial funding. 

After 2 days I transferred {$50.00} and {$200.00} from my XXXX Account to newly opened BBT account. 
These transfers did not go through after 3-4 days and I saw those as reversed in my chase account. 
After this I tried to call the customer care but could not reach them due to certain tool related validations. 

I tried calling XXXX XXXX Branch banker XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX and spoke to her about the issue. 
she was able to validate and told me that my account is blocked and I should visit nearest branch to verify my identity. 
I visited the branch and showed provided my id details. 
I spoke to Branch Banker XXXX XXXX at XXXX XXXX BBT XXXX. 

She verified my details and asked me to connect back after 2-3 days. 
Today XX/XX/XXXX i visited the branch and spoke to them again. She verified and told me that fraud prevention team does not want to un block my account as my license belongs to XXXX  and residential address is of XXXX XXXX. I gave her all my documents to verify but it is little weird why the bank wont open account just because my DL is out of state. 

I want help here to ensure my account is opened and need a answer from bank on what basis they have rejected my account even after providing all proofs that were asked. 


Thanks, XXXX
My concerns are the Inquiries that is on my credit report. I am not concern with the bill you see because I taken care of that already. As you can see I sent them a detail report of the Inquiries on my credit report in which I have no clue why they are on my credit report. This is my complaint against Experian. In which I wrote to them all asking to remove the inquiries that I did n't not authorize with no one verbally, electronically, or written to pull my credit report.
I received an email on XXXX/XXXX/2015 saying Chase bank experienced some potential fraud and as a precaution they were sending me a new card. While waiting for the new card I continued using my old one. On XXXX/XXXX/2015 I went to withdraw money from the ATM to pay my rent and the ATM prompted me to call the bank in which I did. I was advised that the card had been deactivated and I should have already received my new card. The agent I was speaking to verified my address and advised me to check my mail box. XXXX which I do regularly ) After checking my mailbox and not finding the card there I rushed back to the bank and had a teller withdraw {$400.00} from my account. I then went home and called the bank again and advised the situation this agent then asked me to verify my address also and said the wrong address was on file. I advised the agent my address should have been the same address I have had on my account for the past 2 years. I also advised I just spoke with an agent earlier who confirmed my address through verification. The agent then updated my address and advised he would " rush deliver '' my card to me which would take 48 hours. It is now XXXX/XXXX/2015 and I have not received anything. I work Monday through Friday XXXX to XXXX. I rarely have time during the week to make it into a branch to withdraw money. I have 4 checks I need to deposit into my account but b\c of this inconvenience have not b\c I do n't have ATM access and have been forced to deposit them into my girlfriends checking account. 65 % of my paycheck is deposited into this account so needless to say this ordeal has been one of the worse inconveniences I have dealt with from ANY bank. I get paid Friday XXXX/XXXX/2015 and will have to go out of my way to go into a branch to withdraw majority of my money to keep from going back. I am a man with small patience and closed my XXXX XXXX XXXX account for inconveniences as such and although I may not be valued as a customer here I am sure another bank will value me.
We transferred money from our XXXX to our US bank account. Most banks operated with an exchange rate of XXXX the day the transfer was made ( XX/XX/2015 ), the highest exchange rate we have seen that day was XXXX. Bank of America on the other hand gave us an exchange rate of XXXX. This made the transfer about 260 dollars less than expected. After complaining to Bank of America they gave us 130 dollars back, an exchange rate of XXXX. We still mean this is far to high considering the exchange rate XXXX XXXX. 2015. They also informed us that their exchange rate is higher the higher the transferred amount is, and we want to complaint about this arbitrary way of setting the rate.
In XX/XX/2015 I received a letter from Wells Fargo dealer stating my auto account XXXX has been paid never late satisfactory. Since that time and the present Wells Fargo Dealer has changed my status from charge off then recently to paid charge off. This is an error and I believe violates my rights under the FCRA. Please has this status change to paid as agreed attach will be the supporting documents from Wells Fargo dealer and my credit report.
The Barclay  XXXX  credit card advertises special online shopping cash back when purchased through the  XXXX  link and credit card. On  XXXX   XXXX ,  XXXX , I went through the  XXXX  website and visited  XXXX  to purchase a couch in the amount of {$860.0 0} ( ord er #  XXXX   ) a nd paid with the  XXXX  credit card with the expectation in receiving 10 % back through combined rewards. The 10 % cash back, valued at {$86.00}, was never received. I sent an inquiry to  XXXX  in  XXXX   XXXX . After an investigation, they stated I did not purchase the couch through the correct  XXXX  link.  XXXX  does not provide any sort of documentation when you go through their link so you can not provide any sort of documentation to prove that you have.
I began receiving mail from USAA Bank confirming the establishment of my new XXXX XXXX XXXX XXXX account. These mailings included account numbers, amounts, membership cards with account numbers, account disclosure statements, etc. I contacted USAA to inform them that I did not, and have never, dealt with USAA - and I was repeatedly transferred to different departments until the call was dropped. I was repeatedly told that they ( USAA ) could not discuss the account with me because it was " restricted ''. USAA possesses all personal information for both me and my wife - I do n't know how they came into possession of this information and they will not discuss anything with me - even though they have allowed this account to be established. FDIC is their regulatory authority and I can not understand why this account was opened in my name without proper due diligence ... .rules state that proper identification must be obtained prior to opening an account. See XXXX XXXX for Banks, XXXX ( a ) ( XXXX ) Customer Identification Programs for banks, etc. I would like to pursue punitive measures against USAA Bank and XXXX XXXX, CEO., USAA Bank XXXX
My original message copied from a screen shot reads as follows : '' Dear XXXX XXXX : Thank you for contacting Wells Fargo. My name is XXXX, and it is mypleasure to assist you today. 
I would like to thank you for choosing to have your accounts with us. Weappreciate having you as our customer. 
I understand your concerns regarding the fees schedule and would like torequest that Wells Fargo make some changes. I know how frustrating feescan be. 
We continually evaluate our accounts and services, while considering theneeds of our customers, industry trends, and impacts of the changingenvironment, and make changes as necessary. Our goal is to set a fairprice that is consistent with the value of each account or service. 
Thank you for taking the time to share your thoughts. Your concerns areimportant to us as we strive to better serve our customers. 
At Wells Fargo, our goal is to exceed the expectations of our customerswhenever possible. 
If you would like to discuss other account options that could bettermeet your needs and help you avoid future fees, please call us anytimeat XXXX ( XXXX ) so we may work together to find theproduct that is best for you. 
In order for us to respond most effectively to your concern, please sendwritten correspondence to the address listed below : Wells Fargo BankExecutive OfficeXXXX. XXXX XXXX XXXX, CA XXXXEnsuring that you have the best possible banking experience is of theutmost importance to us, as you truly are a valued customer. 
On behalf of Wells Fargo, thank you for your business. We are happy tohave you as our customer and appreciate the opportunity to assist youtoday. 
Sincerely, XXXX XXXXWells XXXX Online Customer ServiceORIGINAL MESSAGE : -- -- -- -- -- -- -- -- -Wells Fargo will be losing a lot of customer loyalty based on their fee schedule. XXXX XXXX for example has no international transaction fees ( on their debit cards!!!! ). Almost all banks waive foreign transaction fees since the bank is making money on the transaction itself. My University is actually going to be implementing another fee on students to pay with a major card since banks are not helping but robbing education institutions! XXXX XXXX also provides fee ACH transfers to other banks/credit unions w/o any type of fee. Finally, XXXX XXXX still offers an amazing program while using their checking account and debit card on a normal basis. I have earned over {$100.00} from XXXX XXXX by simply using my checking account. What has Wells Fargo done for me lately? Except fail to work with me on every level, nothing. Wells Fargo, you need to make changes. 
________________________________________________________________________My final response to Wells Fargo Customer Service via the online banking secure messaging : I am shocked that in this new century, lenders would ask for a paper written request to a correspondence address. This should be provided if the customer only wishes to communicate via USPS. I will be forwarding the concern electronically to the CFPB and request their assistance with the matter unless something drastic is done by Wells Fargo to amend this terrible service.
I am a victim of fraud & identity theft. I contacted XXXX and XXXX  TWICE. They refuse to remove fraudulent account/ activity on my credit report. They keep doing investigations but never remove it. Accounts : Capital One # XXXX I have mailed, faxed, and called repeatedly about my account that resulted in a charge off due to fraudulent charges on my credit report. I've uploaded and sent my identity theft affidavit, identity theft report from the FTC, and a police report. This is my second complaint in regards to this issue. They just keep investigating and then it remains based off of what Capital One says but no where do they offer proof that this account was not fraudulently used. It was my account but had unauthorized charges that unfortunately I did not become aware of until the charge off appeared on my credit report. This is causing me much unneeded stress/XXXX. I paid the Capital One account in full anyways because I needed an immediate credit score boost. Not because it was indeed my debt. Last I used my account I had a XXXX balance.

Please help me get this resolved. For Identification purposes the last 4 of my SSN : XXXX
We are having trouble with Freedom Mortgage Company making payment for our property taxes from our escrow account. On XX/XX/XXXX, I contacted freedom mortgage through email asking for our taxes to be paid and for a response about why they had not been paid. I received a response to add a loan number for clarification. On XX/XX/XXXX, I emailed again providing our loan number for clarification, and another request for taxes to be paid. At that time, I again mentioned that our taxes were late and had not been paid. I still received no response. The only response that I received was an automated response form letter that said I should hear back soon. On XX/XX/XXXX, I received a certified letter from the City of XXXX warning that our property taxes would be sent to tax lien on XX/XX/XXXX. I immediately called Freedom Mortgage to ask why the taxes had not been paid. At this time, I spoke to a woman named XXXX who said she would open a new ticket. She could see that I had a ticket already submitted but that nothing had been done on it. I submitted the new ticket and added all documentation. After waiting 24 hours, I decided to check in on the status of my request. This time, I spoke with a man named XXXX. I told XXXX my situation and he told me that he could not see any of the documents I had sent. He said they must not have been uploaded yet to the Freedom Mortgage site from my emails. I immediately asked to speak to a supervisor, and I was told that I was not able to speak with a supervisor, rather, that he could solve my problem. After outlining my problem, and asking for my taxes to be paid from my escrow account, I was told that he can not guarantee anything but he would put in a ticket. I then asked to speak to the tax department, and was told that the tax department does not have a phone number. He told me he could not transfer me to them either, as there is no direct line. He continued to say that I was speaking to the right person. I asked him to talk to his supervisor and was not given access. He then spoke with his supervisor, as I requested to get my ticket expedited, as our property will go to tax lien in less than a month. I was told that there is no such thing as expediting a ticket. After complaining many times and threatening to go to both HUD and the XXXX XXXX XXXX, I was told that they may be able to give me an answer by next Tuesday but they could make no promises. It was at this time that I decided to issue a complaint with XXXX XXXX. At no time, has anyone apologized for these issues or non-payment of my taxes. I have also received no explanation as to why they were not paid. I was told that {$10.00} was paid on XX/XX/XXXX. The City of XXXX has no record of this payment. The total amount in our escrow account is almost 3 times the amount due in taxes, yet Freedom Mortgage can not make payment or provide any answers.
I contacted BBVA Compass Bank on XXXX/XXXX/XXXX notifying them that I traded in the vehicle to XXXX XXXX XXXX XXXX and provided them with the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Phone XXXX XXXX My payment was n't due until XXXX XXXX, XXXX, so they had plenty of time to contact the dealership and provide the proper payoff amount. In the meantime, XXXX XXXX called Compass Bank with a payoff amount and the automated system stated that it was good for 10 days. XXXX XXXX overnighted a check for {$25000.00} on XXXX XXXX, XXXX and I asked XXXX XXXX if I needed to make a payment to Compass Bank and he told me that I did n't because I no longer owned the vehicle. I called Compass Bank on XXXX XXXX, XXXX to see if they had received the payment and they claimed that they did n't, meanwhile I kept receiving calls from Compass Bank regarding payment and when I inquired about the funds that were overnighted by XXXX XXXX, I kept getting the run around. Actually, it took them over a month to find the funds and although the account it paid in full, they reported my loan delinquent 30 days even though they had the funds in hand. I 've had nothing but problems with Compass Bank and I 've reported them several times because of their lack of concern, misappropriating funds, and some would say incompetence. I want this resolved quickly and I want them to remove that report from all credit reporting agencies. They are being spiteful because I ended my business relationship with them. I simply just got tired of the run around and the unprofessional behavior as well as unknowledgeable personnel that I always had to deal with.
There was a student loan taken out in my name for XXXX XXXX XXXX XXXX in 1992 and I was living in XXXX XXXX at the time where there was no such school. XXXX had an address code linked to that loan and it was not linked to any addresses that I had lived at. A police report was filed and an affidavit was sent to the Dept. of Ed. accordingly. XXXX has properly removed the dispute, but Equifax has not and claims that are forwarding the paperwork to other creditors. A third party collection agency, XXXX XXXX XXXX, is now demanding payment, and they were sent the same ( police report, affidavit to Dept. of Ed ) but is now demanding paperwork all the way back to 1992, that no longer exists. With the Readings of both 15 USC 1681 et seq and the Fair Debt Collection practices Act, I have submitted all that is required under Federal law to eliminate reporting of this debt and this collection agency is demanding paperwork that exceeds the requirement of the IRS, which is the gold standard for such retention. Inclusive of requiring expenses that would put me in hardship as I am on a fixed income.
I never received a notice of intent to collect on this debt so i do n't know what it is for. I discovered it on my credit and i have reached out to the complaint on several occasions and i have yet to hear back from them
Experian will not remove debt off of my credit that can not be properly validated. I do n't know what they take as validation but this company trying to get money out of me has not sent me one thing to prove anything I owe. XXXX removed everything and followed the law. Not sure why Experian is not. 

I have a company saying I owe medical debt. This company WILL NOT validate this debt. It has been over 60 days since they have received my certified letter requesting this ( attached XXXX. The debt collection agency has thirty XXXX 30 XXXX calendar days to respond to a debt validation request. If a debt collector has failed to respond to a debt validation request, then they have essentially admitted, per Texas XXXX that the debt in question is inaccurate. The debt collector has five XXXX 5 XXXX days after admission of inaccuracy of this debt to cease collections and remove credit bureau listings. They have not sent an admission of inaccuracy or any other information. I am a residence of Texas and under Texas XXXX. ( under the FCRA ) A debt collection company attempting to collect debt in Texas must be bonded and licensed to do so. Failure to maintain an active surety bond is grounds for an immediate cessation of collections and reporting to major credit bureaus. 

Experian has NOT done their job in accurately upholding the FDCPA or the FCRA. If they would have they would have investigated properly and understood that this company is trying to illegally get money out of me. This company will not and can not prove this debt is mine and is n't even allowed to legally operate in my state. To accurately validate and verify this debt the items listed below are needed, if Experian can not produce these items that the company has sent to them then it needs to be removed from my credit! 

The name and address of the original creditorThe original date of default or non-payment of the debt with original creditorThe date the debt was transferred from the original creditor to the third party debt collectorThe original balanceThe current balanceContract between the original creditor and the collection agencyAny fees added by your agency. XXXX Texas Surety bond information as required by Texas XXXX XXXX XXXX XXXX
Reporting delinquent on a old account. Over 7 years. Unable to verify remaining balance and show proof of value when car was auctioned
Disputed fraud on my Transunion report of an account showing on my credit report through Transunion and XXXX. Both are reporting the account but have not provided notification of the account for XXXX XXXX. Informed them of the problems and disputed and did not verify any results and findings about the account. They did not provide proof of a contract with my signature
Was called numerous times and was being threatened to be taken to court and have my wages garnished, because of these threats I signed a payment agreement so they would n't take me to court now I can no longer afford the payments I signed up for and am asking them to lower it they are stating they ca n't lower it because I signed a legal agreement
I reached out to XXXX XXXX XXXX to pay a debt that I was told I owe to XXXX XXXX XXXX. I was given the number XXXX to make arrangements or my current services would be disrupted. I called this company several times without any reply. I then went to the following website link XXXX XXXX XXXX to set up payment arrangements, leaving all my contact information along with dates I would begin to pay and called XXXX XXXX back to inform them, but still received no callback or mail correspondence from this collection agency. I was finally able to reach a person after calling and stating a was now recording the calls to prove that I was attempting to pay off a debt. Upon calling the next time a live person, not a voicemail answer, and I spoke with my account rep, because my services had been disrupted for none payment of this debt. I called them on XX/XX/XXXX and attempted to pay online, but did not have enough information regarding the debt to pay online. I stated that I could pay {$100.00} a month on or around the 8th of every month without it causing financial strain, The account Rep XXXX to my card information, stating he needed permission for the payment plan, and I asked to be called back because they never return calls. He stated he would process that payment, but needed management approval of the future payments, he then never returned my calls. 

On XX/XX/XXXX, after already paying my current XXXX bill of {$220.00}, I came back home to find my current home services disconnected for failure to pay the debt to XXXX Collections on XX/XX/XXXX, a date I never agreed to in my arrangement. XXXX XXXX refused to put my services back on, even after being told they made an error and I felt harassed about this debt. I am a XXXX student and only had their services for the internet and home phone for my children, which I stated, but none of my pleading help. I felt then and still feel today that they tried to bullying me and took no ownership of the lack of communication between their debt partners and department of Accounts Management at XXXX XXXX. After being treated so horribly, and having nobody take ownership or apologize, I ended my relationship with XXXX. I proceeded to pay as agreed my {$100.00} on XX/XX/XXXX to XXXX XXXX, and still to date have not received a return call, receipt, letter of repayment agreement, or anything information regarding this debt I am paying on, although I have asked several times. 

I would like something in writing regarding this debt, the remaining balance on the account, a working number that is answer or returns calls, and an apology for losing services that I needed to complete my schooling. XXXX refused to put my services back on saying I must pay in full when I did everything they asked me to do and was not in a breach of agreement by any fault of my own. XXXX and XXXX have used unethical and unfair business practices while dealing with me and I am owed an apology an a consumer. They say that all the calls are recorded, so if they review these calls they will find where the misunderstanding took place, and which agent failed to note my account properly, or return my calls. 

Sincerely, XXXX XXXX
I also hold the Capital One business card something happened funny about this situation to cause me to lose my whole bank account cleared my account and took my {$50.00} and would n't open my account said I need to pay {$50.00} again in the corporate office reported that nothing was wrong with my account they had fixed everything back the way it was the bank say I do n't owe them nothing but I have a big amount right there showing that they sell old money and when I 'm clear day old XXXX XXXX card in the name of XXXX,
Equifax is reporting XXXX XXXX # XXXX on my credit file as being late on XX/XX/2016. However Im an authorized user on that account which is in my wifes name XXXX XXXX, we pulled her Equifax file and the same XXXX XXXX account on her file is not reporting late payment on XX/XX/2016. Obviously you cant have the same account reporting different information on 2 different credit file. I have enclosed a page of my wifes account reporting correctly on her file.