WillisBack/dataset-financial-user-claim huggingface dataset:
I opened the account on XXXX XXXX, XXXX for the amount of {$300.00} or so. I was being charged excessive amounts of interest and was unable to make the payments. The company then proceeded to put my account into collections.
Eight years ago, Wells Fargo tricked us into an account which charged us {$30.00} a month. I spent over 7 years trying to get Wells Fargo to switch the account. They refused. Finally, when the President of Wells Fargo was called before Congress, I tried again. They were suddenly willing to change it. A month later, I went on line to see something in my statements. I was not able to access my statements. I called to find out what was going on. I spoke to people in the executive office. At that time, Wells Fargo stated they had removed my access to my statements because I had changed my account. I pointed out that they are supposed to provide my statements, but they were not interested. Since they had taken this action, I pointed out they had forced me to stay in that account against my wishes and asked that they return the money ( {$30.00} a month for 8 years ). This was obviously a mistake. It started a vendetta against me. Immediately afterward, I was blocked from getting copies of cancelled checks. Then they cancelled one of our debit cards. I wrote a letter to the new President of Wells Fargo hoping to get some help with these hostile actions. I received a letter saying it had been received, but I never got another response. However, in response to the letter, the people in the executive office blocked me from transferring money between our accounts. Began charging fees on other accounts without reason, and then cancelled our other debit card. Each time they did one of these actions, I would call them to ask what they were doing. Each time I called, they responded with open hostility. They just sent me a letter saying they were going to close my kids ' college accounts. These people in the executive office are completely out of control.
cant give me information ... chargered me XXXX, cant cxl subscription. my credit score dropped 65 points in one shot and no one can tell me why ... Its a joke
In XXXX XXXX, 2007 I filed bankruptcy and included XXXX mortgages with Sun Trust. But Sun Trust continues saying i 'm over XXXX days late on this mortgage for almost XXXX years. I am in the process of trying to get a new mortgage now and can not until this clears up. I have written them and spoken to them about removing this from my credit. they are illegally reporting this.
To : Consumer Financial Protection Bureau XX/XX/XXXX CC ; Correspondence Team ( Fax # XXXX ) Sub : Dispute of Loan # XXXX of Seterus Borrower : XXXX at XXXX, XXXX CA XXXX 5th Resending!!! 
To whom it may concern, I discussed XXXX, SME of Seterus customer service today XX/XX/XXXX to dispute {$90.00} inspection charge that is not my responsibility but the issue from the transit period to Seterus from XXXX in XX/XX/XXXX. I always paid the mortgage on time 100 %. I never got the transfer letter attached in timely manner and they just charged the inspection fees without any inspection notification letter to me. I am so frustrated that Seterus {$90.00} charge on the statement over 3 years that I have disputed. 
Per the conversation with Seterus Customer Service team in XX/XX/XXXX, I am requesting to waive the inspection fee {$90.00} charging to my account again. This is not my fault but the fault from the previous the previous mortgage servicer, XXXX that never forwarded the fund to Seterus. I also updated my mailing address timely manner but they did not update the correct mailing address so I could not get the transfer information accordingly. This is not my fault so can not pay the inspection fees {$90.00} that Seretus charged and it is not my responsibility. 
Seterus charged 2 times of inspection after XXXX even I updated my address and payment information accordingly in Seterus. Your research department already verified that I paid all payments on time every month. 
Please reconsider and waive the charge {$90.00} fee as XXXX and I discussed and agreed on the phone that I am going to make a payment of {$990.00}. 
Regards, If you have any question, please email me at XXXX or call me at XXXX. 
Regards, XXXX. 
Attachment : transfer letter of XX/XX/XXXX was receive in XX/XX/XXXX.
I was unfortunate enough to have to file bankruptcy. The filing date was XX/XX/2019. 

My checking account where my paychecks are deposited is with US Bank. 

I was expecting to receive the direct deposit today, Friday, XXXX XXXX. The funds are usually in the account first thing in the morning. When I saw that they were not there I figured something was wrong but I was not sure what. I first called my corporate payroll coordinator and she told me that everything looked good on her end and that the funds were sent as an ACH deposit like normal. She recommended I call my bank and ask for the ACH department. I called US Bank and spoke to customer service who told me that the ACH department is not " customer facing '' which I found strange. I was then told that my account had been frozen due to the bankruptcy filing. I had no idea that this was even a possibility or I would have changed my direct deposit or better yet requested a paper check from my employer. 

The amount of the deposit was supposed to be {$1800.00}. There is also a {$100.00} deposit from Thursday, XXXX XXXX that did not clear because of this freeze. 

I am assuming that the bank has a legal right to take this action, but the fundamental problem here is the fact that it was a surprise and that I was not given an opportunity to create an alternative solution. Now, what's done is done and I am without my desperately needed funds for a period of days or weeks while my company and the bank communicate and decide to send the funds to me in a different mode, whether that is a deposit into another account, or issuing a paper check. 

Over and over banks unilaterally make decisions that injure vulnerable consumers. 

This is not my first complaint to CFPB. I am hoping that someone who has some influence can do something, anything to hold these wealthy and powerful institutions accountable. Right now it is so one sided, they can do as they please while consumers are left high and dry while they figure out how to solve a financial crisis.
I have been in contact with XXXX as well as XXXX, Equifax and XXXX. Equifax has removed some of the accounts but there are still 5 posted on my credit report. XXXX and XXXX have refused to take any of the 6 accounts off of my credit report. I have never signed any agreements with XXXX. I have nevwr had a loan with this company. I sent notices since XX/XX/2017 to no avail.
Someone in XXXX Arizona is using my name and she is spelling it wrong and using my social security number! She is spelling my name XXXX! I spell it XXXX! The credit bureau is spelling my name like that now! This other person has XXXX bills on my credit report! I need to have those bills on my credit report taken off and the credit bureau needs to get my name spelled right!
On XX/XX/17, the merchant sold me goods for {$530.00}, including sales tax, ( a used truck radiator support part ) different from that agreed upon ( after the purchase I found it would not fit as represented by the merchant ). After being told by the merchant the part would be exchanged for the correct part, I returned it and the return was accepted. The replacement part, however, also was not correct for my classic truck restoration and the merchant had no other part to offer. He refused to provide a Visa credit, went out to his yard, retrieved the returned part and attempted to stop me to throw it into my vehicle to take away. On XX/XX/17, I entered a billing dispute with Citibank. On XX/XX/17, Citibank 's Dispute Resolution Unit ( Dispute Unit ) sent me a copy of the merchant 's response of XX/XX/17, giving inaccurate and false statements submitted by a person who was not a witness or involved in the sale and return transaction. The Dispute Unit then gave me until XX/XX/17 to further respond. I did so on XX/XX/17. Citibank, however, refused to acknowledge the my document ( later, it finally did but said it was then too late to take action ), and relied on the inaccurate and false statements about the transaction submitted by the merchant. Citibank incorrectly stated on XX/XX/17, that it had no authority to take any further action contrary to Reg. Z.
I obtained a construction loan using XXXX XXXX and XXXX XXXX as my loan officers at US Bank. When I went to signing at XXXX title the initial loan amount was incorrect based on the fees and total contract price of the construction minus the funds I brought to closing. During the signing we called and spoke with XXXX about the discrepancy and he recognized it as well and said go ahead and sign and that he would look into it and get back to me. He did not get back to me. 
Since then I have contacted he and XXXX several times about this issue via phone and email. When I contacted XXXX via the phone he has said he would have XXXX look into it, which he did not do. After I emailed XXXX multiple times, she finally sent an email back saying that was based on 80 % LTV, although her numbers were incorrect, and never offered any explanation as to when or how that number would be adjusted to account for the discrepancy. I replied with what I believed to be more accurate calculations, which she ignored. 
I followed up by attempting to contact XXXX XXXX multiple times in order to get a reasonable explanation and find out what he had found out, since he said he would look into it, but he does not return my calls or answer is phone any longer. 
This whole lending process has been the worst I have experienced. The communication has been worse than sub-par and the lenders knowledge about their own product appears to be extremely lacking. I have had several mortgages from online banks and felt that since a construction loan may be more involved and I may need more explanation I should go with an established bank who has brick and mortar business as well in the hopes they would be more professional and knowledgeable. Unfortunately I was proven wrong by their lack of communication and apathy towards making sure things were done correctly. 
I still need to know how this initial loan amount affects my loan. During the conversation XXXX and I had on the phone during closing, he specified that the Builder, XXXX, would not be able to draw any more than our contract price. He did not, however, specify when or if the extra amount would go away. It may very well be that at the end of construction the amounts are added up and at that time will be correct, however they need to explain this and not assume customers who admittedly have never had a construction loan will figure that out on their own. It also seems unprofessional and suspicious that the number was not adjusted prior to closing even though they had all the information necessary to correct it.
Bought a car in XXXX 2015 and financing was accepted and processed by Westlake Financial Services in California. After 4 months I found out that the account has not been presented to any of the credit bureaus. I inquired with the company as to why my account has not been reported and was told there is a discrepancy with my social security number and name and that the company was unable to report the account. I have other accounts that are being reported to the credit bureaus with no problems or discrepancies and simply want this account reported properly. The dealership has sent the company copies numerous times of my ID 's to include my drivers license, social security card as well as military ID, the paperwork submitted by the dealership was typed. I have not been notified of such discrepancy and the company has refused to discuss the details of the supposed discrepancy. The company supervisors have hung up on me, placed me on hold for over 45 minutes then disconnected me and no one will answer any questions regarding this problem. I simply want it reported to the credit bureaus as it should be.
Hi I attended XXXX and my school closed and none of my credits were transferable. I called and called the school and the loan provider and was doing fraudulent affidavits and I have n't got a good response at all. Please help the debt was sold to Fed Loans or XXXX and I 've submitted a complaint before and no response. Please help me. Not to mention that I have XXXX loans reporting on my credit and I did n't take out all the loans
We were approved for a HAMP Trial in   XXXX   XXXX   by  XXXX   XXXX , but they transferred servicing of our loan to  Bayview Serv icing before we could complete the Trial and make payments. So in   XXXX   XXXX   the request for modification assistance b  egan again with Bayview.
During the past six months  , all documents requested have been submitted and confirmed on several occasions. Each time, however , Bayview will t hen request more documents or " updated documents '' that should have been requested in the first place.     Now they have pla ced a Sales  Notice for   XXXX   XXXX   XXXX   on our door, even as they have communica ted NOTHING to us via  regular mail, email or our account status on their website, which continues shows us under review for our modification.     And yet a sale is underway.     We have repeated emailed and uploaded complaints to  Bayview o ver their handling of our modification repeatedly. No response except more document requests.     Furthermore, our asset  manager at Bayview has ig nored calls and emails asking for answers, and his supervisor has done nothing but say that just because we already uploaded the documents they are now requesting AGAIN to their website " does n't mean those documents shown on our website are in our actual system. It happens. '' Huh? And that 's OUR fault?     To be clear, the only reason we have not been put into review and modified is because they do n't want us to go into review because they would have to approve us. We qualify. We did before with  XXXX , we do now with  Bayview. Th ey seem hellbent on foreclosing on our home, not helping us. They have n't even offered an workout options like a short sale. We have are already lined up several real offers with real buyers with a realtor ready to submit in case we do n't get our modification, an d yet Bayview is p laying it that if they do n't put us in review WITHIN THIS WEEK they will foreclose with NO other options presented to us.     In conclusion :  1. We and Bayview al ready know we qualify for a HAMP Trial or in-house modification based on their own formulas.      2. Bayview in bad faith  has never put us into review by repeatedly losing our documents, and then after we provide them saying they need more. This because they do NOT want to verify our income or qualifications. Because they already know we qualify! They have the pay stubs, the  XXXX , the tax returns, etc.!      3. Bayview ha s at the same time pursued a dual-track strategy to foreclose on us in the meantime.      4. Bayview  has offered NO other workout options besides foreclosure, and refuses to postpone the sales date while they " gather more documents '' or provide other workout. They are hellbent on RUNNING OUT THE CLOCK, i.e., sell our home.
Today on XXXX XXXX, 2016 @ XXXX XXXX I received a phone call at my work number from a representative of Discover Card named XXXX. She is calling me because I have not made any payments on my Discover Card since XXXX 2016, and I informed her that I had turned the account over to a management company. She asked me if they were a credit counseling agency or a debt consolidation agency. My response was " they do both, and I do not wish to speak with you further because I contacted your office in XX/XX/XXXX to try and help me lower my payment or rate and you refused to do anything at all '' and she stated " I am sorry about that but now that you are behind we have things that we can offer you, however if you are working with a debt consolidation company we absolutely do not work with them we do not consolidate our debts and we will hire an attorney to come after you if the debt goes into default and the consolidation company offers us a settlement which we will take and then have the attorney come after you for the rest of the money owed at which point your credit will be ruined. I am angry with this attitude. I was a loyal customer who paid on time, and I attempted to negotiate with each of my credit accounts when I realized that my income was being adjusted temporarily. They all refused to work with me in any way Discover, XXXX XXXX, XXXX, and XXXX. Now that I have updated my contact information with the phone number of the XXXX XXXX XXXX management company everyone including Discover is calling me at phone numbers that are not longer listed on my account. I want a letter of apology from Discover card for their unfriendly attitude with consolidation debt companies, and an acknowledgement that they will work with them on my account! Discover can provide you with the date and time of conversations that I had with the credit representatives in XX/XX/XXXX where I tried to communication with them of upcoming financial burdens and they absolutely refused to offer anything prior to my credit becoming ruined. I believe I was being a responsible consumer, and Discover showed prejudice and turned their backs and now are threatening me with intimidation simply because XXXX XXXX XXXX may not offer them all they money they want.
XX/XX/18 - a check for {$1400.00} was presented to the acct. It shows as clearing on that date, with an ending balance of {$160.00}. The following day that check was returned and my account was charged a {$29.00} fee for NSF. I contacted them about the issue and was told " there are things that go on behind the scenes that you can't see ''. I then asked for them to explain to me how I would be able to manage my account accurately if they did not provide me with accurate information. They did not provide me an answer, only told me that is not how it works. I contacted the XXXX  and have still not been able to speak with USAA regarding the issue. 

Fast forward to now. Last night, XX/XX/18, I transferred funds from my USAA savings account to the USAA checking account. The balance in my account prior to that transfer was just a little over {$300.00}. I made the transfer and went back into the account to make sure it was in there. The " current balance '' and " available balance '' both indicated {$1300.00}. No hold, or delay, was indicated. When I checked the account this morning, it now shows my transfer did not go in until today and the items presented came through causing a negative balance of {$230.00}, then the deposit was posted. I contacted them this morning and was again told " that's not how that works ''. The information in the depository agreement does not specify the funds would not be available immediately. The transfer information on the website said transfers between USAA checking and savings accounts were immediate. I inquired as to why my available balance would not reflect the difference between current and available. They did not provide me an answer, only told me that is not how the app works and they are sorry I was confused. 

I now am going to have to deal with the repercussions of this returned check from the financial institution it was deposited to. I am going to have multiple fees and no one seems to care that what can be seen by members is clearly not accurate. It is ridiculous for them to expect me to be okay with seeing an available balance that is plenty to cover the presented items, only to be blindsided the next day with returned items and fees. I have been with USAA for 12 years and feel they do not have members ' best interests at heart. I also have reached out multiple times today to the office of the CEO without any success. I am at a loss and feel I may need to get a lawyer involved because these business practices that are costing me money and time. 

I would love to provide you with screenshots of my account, but they have it set up so you can not screenshot the account.
Navient student loan people keep calling me about another person. I have no student loans open. I have told them repeatedly this is not me and to stop calling and they keep calling.
Credit Management , LP of XXXX, TX is attempting to collect on a debt that is known to be invalid. The alleged debt originated with XXXX, who has continuously assigned or sold the debt to third party collection agencies since 2012. Every 6-12 months, I receive a notice from a new debt collector attempting to collect the debt. 

Each time, I request verification of the debt and, because it is not a valid debt, each time it is returned to XXXX. I submitted a complaint regarding this debt to the CFPB recently when the agency " XXXX  XXXX '' was attempting to collect. When I informed XXXX XXXX that the debt was invalid, I instructed them to inform XXXX of the same, which apparently they did not do or XXXX ignored.
In XXXX of XXXX I noticed a debt collection listed on my XXXX credit file with Syndicated office Systems aka Central Financial Control that was fraudulent in the amount of XXXX. I immediately contacted them to dispute the item. I have been disputing this debt with Syndicated/Central Financial to no avail. I had previously provided an affidavit and police report of identity theft requesting the debt be removed due to fraud. I spoke to an representative numerous times for almost two years and nothing has happened. I continued to send the affidavit and the police report for now almost two years. I call and now they tell me that they will only respond to me via me making a fax request as it has been reported as fraud. I do n't know what else to do when I have provided the identity theft police report and affidavit of identity theft as to this XXXX debt. It has affected my ability to obtain credit for almost two years now and has caused me irreparable harm.
I pay extra money each month on my mortgage. I have let my mortgage company know on multiple occasions that the extra money is meant to go toward paying down principal owed on the load. 

Every few months they reset my account without my consent or knowledge and set my extra money to go toward next month 's payment and not toward paying principal. This does nothing but get them more money due to interest that I'm paying and from being able to take the money that I'm giving them " early '' and investing it for a profit. 

If this was a one time occurrence that would be ok but it happens repeatedly as though they are hoping that customers won't notice that they are being wronged.
Attn : XXXX XXXX : I am a victim of ID theft, my identity and account information was stolen and used fraudulently to obtain new accounts and incur fraudulent charges on open accounts by someone I suspected. In correspondence dated XX/XX/2016 I reported this matter to the Federal Trade Commission and the Police Department, both of who declared me a victim of ID theft. I forwarded my ID theft packet to your company, under FCRA 605B ( 15 U.S.C. 1681c-2 ), which states that you are to delete the fraudulent account from my credit report and give up all collection activity. Your company not only failed to do this, but also verified the debt as a valid debt when the credit bureaus contacted you to verify validity of the debt. This is a blatant violation of my rights FCRA. Additionally, the only response to the ID Theft report that I had sent your company was sent to me by your assignee XXXX XXXX XXXX, who perplexingly claimed that I needed to send them more information, and perplexingly they asked for the police report again
there is a debt collection agency that continue to send me information on an account I never had after asking them for information that shows this lender info they stated that I will have to call the company myself after searching for the lender and also looking up reviews from this company, there is no way to reach the company that says I owed them money for a credit card I never had, I feel that if this is truly a debt I caused I should have the info.