WillisBack/dataset-financial-user-claim huggingface dataset:
On Friday XXXX XXXX I signed on to the online banking to check my account when I noticed that my savings balance and available balance were XXXX different figures. I called the bank immediately and was told there was a court restraint on my account. I asked what this meant and I was given a collection agency to call ( Selip and Stylianoup ) to get assistance. I called the collection agency and was told they had a judgment against me from XX/XX/XXXX in my maiden name. I asked for some kind of information about this so I could check into it. The name is my maiden name and my address was wrong. All I was provided was the account was opened in XX/XX/XXXX and that the court awarded them a judgement in XX/XX/XXXX. This was the first time I heard of this, I even asked if she was sure it was me and not my ex husband. She asked if I had an attorney to speak to which I did n't. They had put a hold on my savings account in the amount of {$1900.00} but the judgment I finally got a copy of shows the amount of {$1700.00} and there is actually due {$1300.00} but I was n't given anything to back up this claim. The agent explained that she will send a form to the bank for me to sign which will allow the bank to send them the money and release the hold on my account. She insisted I do this quickly because the hold will stay on my account and I wo n't be able to use my bank. I was so scared I went ahead and went to the bank to sign this form. I am curious though why the judgment had XXXX amounts on it and they took even more money. I have enclosed all the forms I have. 
Thank you
I wrote J H Portfolio and asked for legal validation of this upon discovering the collection on my credit reports in XXXX 2014. They have never responded.
My account is being closed with {$5300.00} in my checking because of recently opened account and making too many transactions so there closing it and i have not even a dollar on me. I have to pay my rent and have no money i also have a sick grandmother i take care of and pay A private nurse to take care of her and nothing. This is really a robbery being commited. I really need help.
Charged an illegal interest rate of over 100 %. In 2016 alone, I 've been charged over {$1100.00} on an original loan amount of {$1200.00}. These interest rates were n't fully disclosed until the loan was finalized.
Primary document is Attachment A. 
Supporting documents are Attachments B1, B2, C, D, and E Active account numbers have been redacted. 
Remaining account numbers have been closed. 
My name has been used because of prior contacts with the Bank.
{$430.00} for capital one in the year XX/XX/2017 I was contacted to make a payment when I tried it failed.
Around the first of XXXX, I contacted XXXX to apply for a cash-out refinance. I explained that I had medical bills from a XXXX XXXX earlier in the year, and I was approaching a critical point with my bills and I needed the cash-out refi to hopefully lower my interest rate, but most importantly to pay off some outstanding debt. The refi process went along relatively smoothly, albeit very slow. Every communication with XXXX XXXX XXXX, XXXX XXXX XXXX was via email, so anytime they needed something, I found out about it after I got home from work, too late for " same day response '' - if they had called, it would likely have cut the process time by a third. At any rate, they process completed and I closed on the loan Friday, XXXX XXXX, 2016. At the closing they stated that the loan would fund on XXXX XXXX. On the afternoon of the XXXX of XXXX ( XXXX ), I received a phone call from Texas Lending stating that we had a problem - XXXX business days after this process started. XXXX XXXX XXXX with Texas Lending stated that they had run another credit check on me, and my rating had dropped below their allowable limit and they would not be funding the loan - this was on the day it was supposed to fund. 

In the beginning I explained that I was approaching dire straits and they were aware that this is what I was getting the loan for. Their slogan, or motto, or misleading tag line - is that they target closing the loan in 21 days. Due to their operational method, they took double that time to close my refi. 

Even after all papers were signed and the loan was closed - signed and sealed, on Friday XXXX/XXXX/16 - they waited till the following Wednesday ( XXXX/XXXX/16 ), on the loan funding date, to check credit and decide not to fund the loan, because I had gotten a little behind on the very credit cards they were paying off with this refi. 

There has to be something illegal about the way XXXX\Aspire Financial conducts business.
Chase bank re-orders transactions to allow their systems to charge overdraft fees. Additionally, Chase uses unfair business methodologies to charge fees to their customers and make poor situations worse. I was charged over {$2300.00} in fees in XX/XX/XXXX and over {$800.00} in XX/XX/XXXX, Recently, an ACH transaction was initiated to pay XXXX XXXX was returned and a " returned transaction '' fee was applied. About 5 days later, XXXX XXXX re-presented to the transaction for payment and it was paid by the bank ( with a lower balance ) at this time and a second fee was charged to the account. Chase also has charged fees for XXXX as " recurring transactions '' when they are truly point of sale. Many fees have been charged for small transactions of less than {$10.00} and multiple fees assessed. This is not fair to any customer.
Columbia collection company has cancelled my payment arrangement twice and then immediately garnished my bank account for debt repayment. They took my boyfriends workers compensation money out of our account in XXXX 2014. Now they sent me a letter saying I defaulted on my new payment arrangement because it closes every six months. I 'm apparently supposed to re start it or they consider it a default and garnish my bank account again. What can I do?!!
I am in the process of building a legal case for intentional, reckless, malicious and willful violations of the FCRA as well as defamation from TransUnion, A copy of this dispute will be used as evidence if needed. The following information is being reported inaccurately, falsely and unfairly by TransUnion. XXXX XXXXXXXX XXXX XXXX # XXXX ... XXXX XXXX XXXX XXXX # XXXX ... XXXX XXXX XXXX XXXX # XXXX ... XXXX XXXX XXXX XXXX # XXXX ... XXXX XXXXXXXX XXXX XXXX # XXXX ... I don't ever recall paying any of these accounts late/after the due date. 
On XX/XX/XXXX, I complained to the Consumer Financial Protection Bureau about the intentional and reckless actions of TransUnion with regards to these accounts. I provided them proof of the inaccurate credit reporting. In their response to this complaint, TransUnion stated that they would reinvestigate and respond to me within 30 days. They did not reinvestigate or respond back to me within the 30 day time frame according to the FCRA. Attached you will find copies of their response to the CFPB complaint. In addition, TransUnion did not provide the name of the person who responded to the CFPB complaint. There is no accountability. This is unacceptable. 

On XX/XX/XXXX, I once again wrote TransUnion directly and once again provided them with additional information proving the inaccuracies with the XXXX XXXX XXXX XXXX listings. Once again they did not reinvestigate or send me results of the dispute within the 30 day FCRA time frame. Attached you will find copies of the letter and the proof that TransUnion received the dispute. 

A copy of this complaint as well as past CFPB complaints on TransUnion is going to the FTC, Illinois Attorney General, New York Attorney General, XXXX XXXX XXXX and my legal counsel.
- Around XX/XX/XXXX, Chase sent me a targeted offer ( attached below ) in the physical mail for opening a Chase XXXX XXXX XXXX card. The offer was to earn XXXX XXXX XXXX if I spent {$3000.00} in the first three months. The inside of the offer had instructions for applying, which was to merely use the link provided and enter your XXXX XXXX account information. 
- On XX/XX/XXXX, I followed the instructions to apply for the card using this offer. Upon being immediately approved for the card, I saw verbiage about XXXX points instead so I immediately called the Chase number to speak with a representative. The representative I spoke with assured me that it was a mistake and I will receive the correct XXXX miles upon meeting the {$3000.00} spend. He even mentioned that he saw an internal email mentioning that people might be calling about this issue and to assure them that they will receive the correct mileage. 
- Around XX/XX/XXXX, I knew I had met the {$3000.00} spend threshold, so I logged onto my mileage, and saw that I was only awarded XXXX bonus miles, which was XXXX less than promised. I called the number on the back of the card, and spoke with a different chase representative. I explained the situation and they told me they will put the request for the credit in, and I will have to wait up to 10 business days for a response in the mail. 
- On XX/XX/XXXX, I received a letter in the mail stating that I am not eligible for any different offer, and that no further miles will be awarded.

On XX/XX/XXXX, I called Chase back, spoke to a different representative, and explained the entire situation up to this point, including the fact that I still have the physical offer that was sent to me. She told me she will put in a request to have this " expedited '', and that I have to wait two billing cycles to see if Chase/XXXX has decided to award me those miles. 

At this point I 'm very concerned, because it seems like Chase is dragging this out to a point where I will be less likely to fight about it, and their promise for correspondence in two billing cycles is n't even a resolution to this issue, its a decision on whether they feel like they should.
My XXXX mortgages were service transferred from Ocwen to a new servicer as of XXXX XXXX, 2015. I did not receive any notice of the transfer from Ocwen. My payments for all XXXX mortgages were sent via electronic transfer to Ocwen from XXXX XXXX XXXX my account ) on XXXX/XXXX/15 and were received by Ocwen on XXXX/XXXX/15. I called Ocwen to confirm that they received my payments and they are telling me that they have no record of the transfers to them as of XXXX/XXXX/15. I went to my bank and confirmed that the payments were sent and they were definately sent to Ocwen. Ocwen keeps telling me that they can not tell me where my money is even through they have had it for over XXXX hours in their wire transfer account.
I have filed several disputes in regards to this matter. I spoke with someone named XXXX today to have inaccurate information removed from my report such as names, addresses and debt associated with the address ... I HAVE NEVER RESIDED AT XXXX XXXX XXXX XXXX ... ... THERE IS NO SUCH NUMBER ... therefore the this address reporting as well as the debt associated with it is INCORRECT!!! I 've sent numerous letters and spoken with several people who insist they can NOT HELP ME .... I also submitted a letter stating the creditor DOES NOT HAVE VALID DOCUMENTUON yet the credit bureau keeps sending this back to me as verified ... how can this be when I have never lived at address associated with account .... I also have a credit report from XX/XX/XXXX which does not have this address but the accounts are there then the report from XX/XX/XXXX with this address and am told these accounts are associated with them HOW IS THIS POSSIBLE? Where and who is checking for accuracy? Because clearly this can NOT BE ACCURATE I HAVE NOT LIVED AT XXXX XXXX XXXX XXXX AND THERE IS NO SUCH APT number THIS IS INACCURATE AND ANY ACCT ASSOCIATED WITH IT IS AS WELL verify with post office THERE IS NO XXXX XXXX XXXX XXXX XXXX!! I have NEVER LIVED AT THIS NON EXISTANT PLACE
XXXX XXXX XXXX is trying to collect a debt they bought from XXXX XXXX. XXXX XXXX XXXX is not licensed to operate in Arkansas. This company does not have a license to collect on debt in Arkansas. I wrote a letter to XXXX XXXX XXXX asking them to remove this account from my credit report and they sent me the attached letter. Please Help get this account removed from all three credit bureaus. 

Thank you
wells fargo allowed three ( 3 ) times someone from inside wells fargo to cash advance the credit card and then move cash advances into a personal acct. ( SS ) ( XXXX ) and then into a Bus acct. ( XXXX ) A special code was put on card on XX/XX/XXXX to stop these transactions Yet they happened two more times Payments were made to the card from a wells fargo acct. ( not mine ) wells fargo will not furnish this info as they are covering it up wells fargo has tried to confuse the issue by saying I filed a Fraud Claim I did not I filed a Breach of Security Claim wells fargo has admitted that they know it was not me who did these transactions verified by the voice on the phone I have furnished wells fargo numerous times phone numbers XXXX XXXX Case no XXXX and XXXX ( XX/XX/XXXX ) as to where the Breach of Security is coming from wells fargo will not furnish the acct.info as to where these payments and cash advances came from so I can not file a police report I have lots of e mails to wells fargo over the last six months and letters that can be sent to CFPB as you can not trust what wells fargo says I am part of two class action suits that wells fargo has agreed to settle ( add ons and opening accts not authorized ) XXXX XXXX ( wells fargo ) is well aware of these suits Letter dated XX/XX/XXXX from wells fargo is a attempt to again confuse the Breach
My account is frozen by Wells Fargo. They will not allow me to remove my money and close the account. The custodian over my account died XX/XX/2017. My daughter has been appointed the new federal fiduciary for my VA compensation. They have refused to release the funds in the account to me or my daughter. I am a older person and need help in this situation. I have asked my daughter and son to help me and so far no one cooperated with them either. The freezing of this account has caused a financial hardship. I have had to borrow money when I should no have to because I have money in that account. But my creditors do not care about that they want their money, property or product. Please helpme. I and my children have tried everything in our power. My son even emailed a death notice from the XXXX XXXX. Because Wells Fargo is requirng that I submit a death certificate for the former federal fiduciary. Inspite of the fact he is not a family member and I did not have a personal relationship with him.
I have a mortgage on a home with Santander Bank. The mortgage is for {$160000.00}. The mortgage was originally issues by a small local bank called XXXX. The property is in XXXX, XXXX. 
The original mortgage was an " interest only " mortgage. Several years ago the XXXX Bank was taken over by Santander and I was suddenly a Santander customer. 
My monthly payment had been roughly {$1200.00} a month. 
Last month I received a statement from Santander. I immediately noticed that my monthly payment had more than doubled. 
My issue is as follows : Santander gave me NO NOTICE that the " interest only phase '' of my mortgage was about to end. So this new monthly statement came as a complete shock to me. I know that other banks send out multiple letters to their customers -- -starting a year in advance -- -advising/informing the customer that their payments are about to " balloon '' -- - I received nothing to that effect from Santander. If I had known this was going to happen I would have attempted to modify/refinance my mortgage. 
When I call Santander I am unable to get anyone on the phone who can address this -- -All they do is ask for payment. I will loose my home because I can not afford the increase. Santander, like other banks, must in some way be REQUIRED TO NOTIFY its customers if the nature of a mortgage is about to RADICALLY CHANGE. Can you please help me deal with Santander. They seem oblivious to this issue and their part in it.
Citibank refuses to give me my Rewards benefits earned from the charges they expect me to pay even though i cancelled my card.
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Rewards benefits are not calculated by citibank until one or two billing cycles after the charges are incurred -- so it 's impossible for a consumer to ever cancel and be current on the rewards. citibank online chat says, in effect, " tough luck, our policy is to keep all the rewards after you cancel. ''
CRA VIOLATION / NEVER LATE ON THE ACCOUNT. 
CRA VIOLATION / NO KNOWLEDGE/ TOO MANY INQUIRIES ON MY CREDIT REPORT.
American Express Blue Cash Everyday marketed a 3 % cashback offer on US Supermarkets. I signed up for that here in XXXX, Hawaii. In getting my statement I noticed my Supermarket purchases were not accruing 3 % cashback. I called AmEx to ask why and have been told by multiple people in various customer service departments that their managers said our Hawaii supermarket is NOT a US Supermarket! I stated multiple times that Hawaii is the 50th State of the USA and therefore Hawaii markets are US businesses, but same response. I noted my AmEx statement itself describes the store as a " Grocery Store, '' but they insist it 's not a US Supermarket. AmEx should NOT be marketing to Hawaii businesses if AmEx will not recognize Hawaii as a State. 
In addition, since I was signing up for the AmEx Blue card and their flyer said I could transfer a balance and pay it off interest free I did so. But only upon receiving this XXXX 2015 statement do I find they charged me a transfer fee. Their marketing stresses this free balance transfer option and does not clearly state they will apply a 3 % fee which fees misleading to me. And since the balance transfer only showed up on my XXXX 2015 statement I 'm being told it 's too late to cancel the transfer and they wo n't address the transfer fee. If they were clear about the 3 % fee I would n't have used them in the first place as my other cards offer me transfer checks I could use that do n't include a transfer fee and would n't charge me interest either for 18 months or so. If AmEx was clear in their marketing I would n't have used them for this transfer! 
So I was enticed to move to AmEx for 3 % cash back at grocery stores only to find Hawaii does n't seem to count, and it 's now too late to address the balance transfer fee so AmEx gets to take over {$200.00} from me in transfer fees.
Someone requested a credit card on my account when i did n't request it. I had one card and someone else was able to request another one under my account and racked up a bill. They said they could n't do anything for me because they did n't see the fraud happening. So I got stuck with the bill and had to pay it off. Then someone kept trying to get into my account. I was receiving temporary pass codes and I called them and told them it was n't me trying to access it. I had closed all my accounts with them. I was not very happy with their customer service. I was being sent to different people all the time and they said the exactly the same thing.
Transunion has an account I have with XXXX on my credit report that should not be still listed. From their own records, they state that the account was closed on XX/XX/XXXX, yet say the last payment was on XX/XX/XXXX ... which is not only inaccurate, but impossible. If the account was closed on XX/XX/XXXX, then the first date of deliquency has to be months earlier ... thus over seven years ago and should be deleted by now.
The company  DEVILLE ASSET MANAGEMENT  are seriously violating the FCRA. They took a charged off account that was closed and added an ok payment status on my credit report  on    XX/  2016.  They then closed the account on   XXXX /2  016.   Next, t hey removed the ok status from   XXXX   2016 an  d added an ok status for   XXXX   2016. Th  e n changed the whole history from charge off to failure to   pay. I 've ever did business with Deville Asset Management company and I do n't think it is fair for them to dama ge my credit like they are doing. I have asked them to verify the debt and they never did. This is what they did when I asked them to verify this so called debt! And I gave them ov er 30    days. They did not respond in a timely manner
I am trying to cancel my account for several months. There is an old open case in Coinbase Support : Case # XXXX - Trying to cancel my account Other cases of the same situation https : XXXX
Fifth third bank has placed a hold on a certified check/cashiers check that has certified funds. I called them and was advised they can do nothing about the hold. this is a violation of Regulation CC for funds availability where certified funds checks should be available the next business day. I have also cashed/deposited this same exact check there before and it has cleared with no problems.
I tried responding as a despute but I kept getting an error. 

Case number : XXXX My response today I have been charged NSF fees, {$45.00} to be exact, but that is not the issue I am complaining about. In almost every statement there is charged called a billed finance charge that has added up to {$1000.00}. There were a few approximately XXXX different months when I receive a NSF due to too many things going through my account. I paid them when everything cleared on my account. The NSF issue was resolved by charging me the XXXX charges of {$15.00} as you can see in the statements. I 've been faithfully paying and my payments, and so far I have invested XXXX {$3600.00} into this. Almost a third of that money has been taken by these billed finance charges. I keep getting harassed and contacted by Borrowers First, urging me to give them money, yet they still have not even addressed the obvious large charges on this account. In addition why would my payments suddenly go from {$290.00} to {$620.00}? 

Payments XXXX NSF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX*XXXX XXXX XXXX The companies previous response/ what I am responding to. 

XXXX has researched XXXX complaint and has determined that this loan has been paid down from its original balance. The original loan amount was {$7500.00} and the pre-paid finance charge was {$370.00} ; therefore, the amount originally owed was {$7800.00}. XXXX current loan balance shows as {$6700.00}. Additionally, by reviewing the monthly statements submitted to the CFPB and XXXX account, the loan has not negatively amortized. He has incurred many NSF fees which has added to the overall outstanding balance of the loan, but these NSF fees have not caused negative amortization of the loan.
XXXX XXXX XXXX. 

XXXX XXXX XXXX, NC XXXX XX/XX/2018 Phoenix Financial Services XXXX XXXX XXXX XXXX IN XXXX VIA U.S.P.S. CERTIFIED MAIL/RETURN RECEIPT REQUESTED # Re : XXXX XXXX XXXX XXXX Account Number : XXXX Debt Collectors Account Number : N/A Dear Phoenix Financial Services : I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt. Please be further advised, I dispute the validity of the alleged debt in its entirety. Be further advised that I request the name and address of the original creditor, along with an agreement with my original signature binding me to the alleged debt. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies. This letter may be provided to the Consumer Financial Protection Bureau ( CFPB ), XXXX  XXXX  XXXX  ( XXXX   ) and office of attorney general. The CFPB is authorized to investigate this matter and receive related information. If you fail to comply with this letter, I may turn the matter over to an attorney. 



Sincerely, XXXX XXXX