WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, 2015 I initiated an international wire transfer for {$30000.00} from Webster Bank at XXXX XXXX XXXX XXXX, XXXX, CT. The money for this transfer was coming directly from my personal checking account at this bank. On XX/XX/2015, I got word from the intended recipient of the wire transfer that the XXXX number had not been included in the information on the wire transfer and without it the funds would not be available to said recipient. I returned to the branch where a wire investigation form was filled out and faxed to the wire transfer department to send to the recipient 's bank. On XXXX I find out, quite accidentally, that my checking account has been frozen by Webster Bank without my knowledge. I am told that this was done because they suspected fraud. My account was unfrozen, but on XX/XX/2015, when the money had still not reached its destination, I returned to the branch to find out that the fax to the wire department had never gone through on XXXX because their fax machine was out of order, and still not repaired on XX/XX/XXXX! The critical XXXX number was relayed via email, and although I requested an email with a confirmation number that the Iban number had been by the end of business on XX/XX/XXXX, it was n't until XX/XX/2015 I finally received that email. By this time, the XXXX project had been shut down for more than 10 days, and I had no idea when this money might reach its destination. By XX/XX/XXXX we finally get information from the recipient bank that they need information sent from my bank and I need to get a message sent. I call the Webster Bank Help Center. They speak directly to the wire transfer department and I go back to the branch and initiate another wire investigation form to send the necessary message. I asked for an email with a confirmation number ; on XX/XX/XXXX, a full 2 weeks since initiating this, when I still had not heard anything by early afternoon, I called and was told that XXXX was not in today. When I returned to the branch once again, I found out that XXXX had received an email early that morning from the wire transfer department stating the recipient bank needed XXXX additional piece of information from me before releasing the funds. XXXX had asked her manager and another coworker to please contact me because she has to attend to an urgent family medical emergency. Obviously they had not, and again a critical deadline loomed. The task was finally accomplished. I am still waiting for the email confirmation. The money was received on Monday, XX/XX/2015, but the government shut down the work site again and a fine of {$130000.00} has been assessed for delays caused by Webster Bank and also the possible loss of the XXXX. trade license which is necessary to do business in that country if this fine is not paid immediately. Money for this fine is not readily available ; business assets are tied up in the current project. I feel entitled to some sort of satisfactory recourse from Webster Bank for their role in the delay that caused this fine to be assessed.
I was a perchasing a truck through XXXX and I was given a bank account to make a deposit at Wells Fargo bank I did so but things began not adding up I contacted wells Fargo and told them the bank account was being used for fraud transactions I was told the money was still In the account and that in order to get it back I had to file a police report I did and the officers also were told the MOney was still in the account the officers told the bank they needed to freeze the account until they could get prosedures done to investigate further the bank no longer would talk to me about the money and they even let the person withdrawal all the money knowing it was a fraud account they had been aware of that from me and the police department
I was recently contacted by CitizensOne Student Loans, which is a division of Citizens Bank about refinancing my student loans. I was approved for the refinancing but the interest rate that I was given is rather high, and is higher than what I 'm currently paying PLUS my XXXX score is higher. I called to speak with someone so that I could be explained why I was offered such a high rate. The customer service rep could not explain it, said that its just computer generated, and the underwriting team does not talk to customers. I asked if I could be provided an explanation in writing, or even what credit score was used to offer the rate and he would not tell me. This seems quite unfair and now I have a hit on my credit, and I feel as though I have been subject to a bait and switch.
These Inquiries are on authorized and I would like them removed. They are preventing me from applying for credit and are currently damaging my credit. 

XXXX XXXX XXXX, XX/XX/2018 XXXX XXXX  XXXX, XX/XX/2018 XXXX XXXX, XX/XX/2018 XX/XX/2018
I submitted a dispute with Equifax on XX/XX/XXXX via the website with an estimated completion date of XX/XX/XXXX. I continued to monitor the request through out the month but there was no resolution posted within the 30 days they have to investigate. I sent a letter ( attached ) with a screen shot showing there were no results after the 30 days and advising them that by law they have to remove what I disputed. They received my letter advising them of FCRA guidelines and they opened a reinvestigation which was not what was requested. They then posted the completion date of XX/XX/XXXX but did not make this available until 45 days after the request. They back dated the completion date because they saw that no results were posted. This was pending up until they received the letter which was well after the 30 days. This needs to be investigated because I know that those things should be removed due to their lack of response. 

The screen shot of the progress was taken the day I mailed the letter ( XX/XX/2017 ) and they uploaded that information on XX/XX/XXXX. Equifax went and back dated to make it look like they had completed my results by XX/XX/XXXX which is absolutely false.
In XX/XX/XXXX, I noticed some charges on my account from XXXX XXXX that I knew nothing about. I immediately called Chase and reported the fraud. They refunded the money and sent me a new credit card. In XXXX, I noticed that these charges reappeared on my statement. I called Chase many times and was promised return call and never received any calls. In XX/XX/XXXX, I received a letter stating that Chase was going side with XXXX XXXX and that I would be responsible for paying for these charges that I know nothing about. I called Chase and closed the account because I refuse to do business with a company that will not stand behind me. Two days after I closed the account, I received a call from Chase that informed me to disregard that letter. He told me that the charges would be gone within 48 hours. The charges were still not taken off. I have spent countless hours discussing this with Chase and was informed that XXXX XXXX   supplied tracking numbers. I checked the tracking numbers and they were invalid. Yet, Chase still will not take these charges off my account.
Speedy cash has had a negative mark on my credit report for years.I applied for a loan from them but got denied due to their files showing I have an unpaid loan.I have never received any money from this company.
The debt collector has repeatedly called and sent messages. i have responded in writing on five separate occasions. the collector alleges that i have a debt in excess of a {$1000.00} for subrogation of an insurance claim from an auto incident that occurred in XX/XX/XXXX in XXXX XXXX. There was an incident but the police determined that there was no liability and that they could not assign fault and clearly stated that each insurance company should pay the damage ( mine was a rented car and XXXX XXXX covered the damage to my car ). neither the police nor any court made a determination of liability but Afni insisted that XXXX ( the other persons insurance company ) determined I was liable. They do not respond to my written explanations and after researching them, I have learned that they have often destroyed people 's credit ratings based on circumstances such as these. On the phone, they repeatedly state I am liable but I am unclear on how legally a company is able to unilaterally ascertain liability and hire a credit agency to harass a person.
I seen a few inquires which I did not authorize or apply for credit added to my credit file. I contacted the companies and the credit agencies and placed a fraud alert and an additional XXXX inquires were added. What do I need to do to remove these and stop any additional inquires I thought by adding the fraud alert on no new inquires would have been added and that did not happen. Please help.
This XXXX XXXX account # XXXX or account # XXXX has been paid-in-full. XXXX XXXX was contacted directly on XX/XX/XXXX and again on XX/XX/XXXX. It is not " Derogatory '' or in a " Payment Plan ''. It should be listed as " closed ''.
My complaint is about a delinquency that started in XX/XX/XXXX through XX/XX/XXXX. There were 29 straight months of the account being reported as delinquent. Seven years from the date of the account initially going delinquent would be XX/XX/XXXX. Because it was a SERIES of delinquency, every delinquent month in that series should have been removed as of XX/XX/XXXX. Right now as of the filing of this complaint they are still reporting delinquencies from that period. The Fair Credit Reporting Act 605 ( c ) is the statute that addresses this situation i.e. " date of COMMENCEMENT of the delinquency ''. I have explained this to the credit bureau and they do not seem to understand. Bank of America refuses to correct the mistake, so here I stand.
Received a couple of calls in XX/XX/XXXX from XXXX and when I answer, no one is there. Did a XXXX search and read that it was a debt collector called capital management and that the call is set up to force you to call them back and then they'll ask for your personal info. They call almost daily now and I don't answer. I blocked the call, but my phone still shows that they called. I've never received anything in the mail stating that I owe any company money, so, I'm pretty sure this is a scam.
My husband and I have a lot of student loans from his time in XXXX school. We are both employed and are working hard to pay them off as quickly as possible. We would like to refinance them in order to receive a lower interest rate. In order to refinance, I need to obtain copies of current statements of all of our loans. With XXXX of our lenders, this was a very easy process, and I was able to retrieve the statements electronically on the website. But with the other lender, I was not able to retrieve the statement for myself. After a lot of searching, I finally found instructions to email customer service. I did so on XXXX XXXX, 2016. On XXXX XXXX, 2016, I received a response stating that due to their policies and because our account was on autopay, they would not be able to email or fax a statement to me but would send one via postal mail. I was not provided with any further detail on this policy or with a copy of the formalized policy. I was told, " I have generated a statement for you, however this statement will only be generated through standard US Mail. Please allow 7-10 business days for the statement to be received by mail. '' On XXXX XXXX, the 10th business day after this exchange, I still had not received a statement, so I emailed customer service again. I was told that the original email was not intended to communicate that a statement was actually generated on XXXX XXXX ; rather, a statement had been generated on XXXX XXXX, and I should expect it within 7-10 business days from XXXX XXXX. I have not received any acknowledgment that I was misled in the original email other than customer service saying that they are sorry that I misunderstood. XXXX XXXX, yesterday, was 10 business days from the second date I was given, and I still have not received a statement. Throughout my emails with customer service, I have tried to clearly express exactly what is the cause of my frustration and have received only the tritest replies. I have never actually even been given the name of the person responding to my emails ; they are all signed " Thank you, XXXX XXXX. '' I find it absurd that 1 ) I was not able to retrieve the statement myself, and 2 ) it is now nearly a month since my original request, and I still have not received a statement. I need this statement in order to refinance our loans.
Dear Sir or Madam of the Bureau of Consumer Financial Protection, I am requesting assistance in resolving previously disputed accounts with ECMC that have remained unresolved for over two years. I have previously disputed these XXXX accounts to no avail through the CRA dispute process. ECMC continues to confirm and report the wrong date of first default. I have a total of XXXX accounts that were sent to ECMC from the original creditor ( XXXX now XXXX ) on XXXX/XXXX/XXXX. XXXX no longer operates. I have requested ECMC to correct my " date of first default '' to the correct date provided to me by the original creditor ( see attached ). In another attempt to correct the information, I contacted ECMC on XXXX/XXXX/XXXX around XXXX am to request they update all of my credit reports with the correct date of XXXX/XXXX/XXXX. I was told by a CSR that " they do not have the date of first default in their system and they ( ECMC ) are using the date they received the account as the date of first default. I told the CSR for ECMC that the date they are sending is incorrect and provided the correct date and was told they " have no way to verify that '' and it would stay as is regardless of my paperwork. In turn on XXXX/XXXX/XXXX at XXXX PST, I spoke with a customer service representative for original holder ( XXXX ) with an employee ID of XXXX and requested documentation to confirm the date the account first went delinquent. On XXXX/XXXX/XXXX I received written confirmation from XXXX that in fact the date the accounts first went delinquent was XXXX/XXXX/XXXX not the date of XXXX/XXXX/XXXX that ECMC has been reporting since XXXX/XXXX/XXXX. I requested that ECMC remove all XXXX of these accounts from all of my credit reports as they stated they were unable to verify the correct DOFD and stated they " use the day the receive the account as the DOFD '' in credit reporting. 

I ask that the Bureau of Consumer Financial Protection address these FCRA violations. I also request that ECMC remove all XXXX accounts from all credit reporting agencies as they continue to violate FCRA. Attached you will find the written confirmation of the correct DOFD for all XXXX accounts and the XXXX trade lines as they appear on my report. I ask and pray for assistance as this causes stress and harm to me.
XXXX, XXXX SOC SEC # XXXX DOB XXXX XXXX XXXX XXXX XXXX, FL XXXXTo Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, TX XXXXEquifax XXXX. XXXX XXXX XXXX, GA XXXX, XXXX XXXX. XXXX XXXX XXXX, PA XXXXI recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

Company Information : XXXX Date of Inquiry : XXXX/XXXX/XXXXCompany Information : XXXX XXXX Date of Inquiry : XXXX/XXXX/XXXXCompany Information : XXXX XXXX Date of Inquiry : XXXX/XXXX/XXXXCompany Information : XXXX : XXXX Date of Inquiry : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXXCompany Information : XXXX Date of Inquiry : XXXX/XXXX/XXXXCompany Information : XXXX Date of Inquiry : XXXX/XXXX/XXXXCompany Information : XXXX XXXX Date of Inquiry : XXXX/XXXX/XXXX, XXXX/XXXX/XXXXCompany Information : XXXX Date of Inquiry : XXXX/XXXX/XXXXCompany Information : XXXX Date of Inquiry : XXXX/XXXX/XXXXCompany Information : XXXX Date of Inquiry : XXXX/XXXX/XXXXCompany Information : XXXX Date of Inquiry : XXXX/XXXX/XXXXCompany Information : XXXX Date of Inquiry : XXXX/XXXX/XXXXCompany Information : XXXX XXXX XXXX XXXX Date of Inquiry : XXXX/XXXX/XXXXCompany Information : XXXX : XXXX date of Inquiry : XXXX/XXXX/XXXXPlease remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX XXXX XXXX XXXX XXXX, FL XXXX SOC SEC # XXXX DOB XXXX XXXX XXXX XXXX XXXX, FL XXXX
I am affected by the Equifax security breach that occurred around X/X/17. No fraudulent activity has happened on my account, but I did receive an alert through " equifaxsecurity2017.com '' that I may have had my information leaked. I am sure many others are filing this report, but I just wanted to have something in writing for reference in case my identity is stolen.
Our small not-for-profit organization setup a small business account with Bank of America ( BOA ). BOA has charged a $ XXXX  monthly service fee deduction to the account and mailing a monthly statement. Otherwise, there has been no activity on the account, no deposits, electronic fund transfers or deductions ( other than Bank of America 's monthly fees ). Due to circumstances at the time, the account was established in a state different from the location of the not-for-profit home office ( basically an 8 hour drive away ). When we called BOA to close the account, we were told that BOA has designated the account as dormant and that we can not close the account and have the funds returned. We were told that to close the account, we would have to physically go to a Bank of America center and make a deposit in order to reactivate the account. Then, we can close the account and get our remaining funds back. 

Basically, this means that BOA can choose to classify your account as dormant even though BOA is making monthly transactions against your account, i.e., making monthly deductions for service fees and mailing out statements. However, the account holder ( you ) can not close the account to get back any remaining funds from the account unless you deposit more funds into the account. Essentially, BOA is holding your funds hostage even though you have a positive balance and monthly transactions are occurring, albeit service fees charged by the bank. 

So, what happens when the funds go into a negative balance, due to BOA 's monthly fees? You, as the account holder, will owe them money. To avoid having a negative balance is the primary reason that we were attempting to close the account by phone so that the account would not reach a negative balance and we could retrieve any remaining funds in our account.
I got a loan from Instaloan in XXXX around XXXX XXXX, and each month I make a payment to them the payment goes up and none of the money I pay is going through what owe them. My payments are XXXX when I pay that I still owe them XXXX I told them I do n't understand why none is going through what I borrowed and I was told I had to pay them more in order for my balance to go down. So the following month they said my payment was XXXX again none went on the amount at all. What can I do about this.
I have an existing complaint in with XXXX  XXXX XXXX. I have applied for Public Service Loan Forgiveness, original application date of XX/XX/XXXX. It appears that they have tried to appease the complaint, however not to my satisfaction as the information they have fed back to me is grossly inaccurate. 

I have been employed with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a XXXX  XXXX XXXX XXXX XXXX XXXX organization since XX/XX/XXXX. My Human Resources director has verified this with XXXX  XXXX XXXX, and they told me they have record of that verification. 

I have recently received a letter from XXXX XXXX XXXX stating that my beginning date of employment was XX/XX/XXXX ( the date I applied for PSLF, not the beginning date of my qualified employment ). They are only counting payments that were made from this date, which is 11 payments. This is inaccurate, and I believe they are only counting payments that were made once I applied for PSLF and my loan was transferred to them as a servicer. I was previously serviced by XXXX and XXXX. I have made every single payment on time since my employment began in XXXX, so I should have around 80 qualifying payments. This means they are putting me about 6 1/2 months back in the whole process of loan forgiveness.
Upon reviewing my most recent credit report, I have found a third party medical collection account on my credit report with, XXXX, XXXX  and XXXX  with a company that does not have a surety bond with the Texas Secretary of State. According to Section 392.101 of the Texas Finance Code,  they are illegally attempting to collect this debt and are in violation of Chapter XXXX. I request that they stop reporting this debt and have it removed from my credit by notifying the said credit bureaus immediately. The company that this complaint is in regard to is stated below. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX XXXX Debt Amount- {$410.00} Opened on- XX/XX/2017
I had been making online purchases with my Paypal XXXX XXXX XXXX card which was linked to my paypal account. I had been loading my paypal balance with the Paypal XXXX card so I can make online purchases. I had sent {$50.00} to a friend for his birthday and just performed online shopping as I have done for the past year which was the only transaction which was not typical of my account. I get a notice that my account was permanently limited for violation of T & C and my debitcard was closed. 

I have been doing online shopping via this method for over a year and was not aware that I was in violation of policy. When I called paypal and was asked what I was in violation of, the reps were not able to clearly articulate the nature of the violation. 

My Paypal Case ID Number : XXXX
unable to check my balance or any other information about my loan over the phone or online. spoke to numerous customer service personnel .no one able to tell me why i can not access my account .tired being on the phone 45 minutes at a time back and forth transferring from department to department
I financed a mobile home in XX/XX/XXXX with Green Tree. The amount financed was {$30000.00} and as of XX/XX/XXXX I have already paid Green Tree {$68000.00}. The principal balance is {$21000.00}. I have a copy of my Green Tree payment history and on several of my payments {$0.00} went toward principal. This does n't seem right to me. According to Green Tree I still owe another 15 years at which point I will have paid them over {$140000.00}! I was inexperienced in Mortgages when I took the loan and did not realize that I would be paying so much interest. I talked to them about refinancing and Green Tree said they do n't do that. I ca n't sale my mobile home because I owe much more than the value of it. Could someone please look into this and let me know if there is anything I can do about this?
XXXX XXXX XXXX  Debtor is XXXX XXXX XXXX XXXX they claim it was opened on XX/XX/XXXX but it was sent to collections in XX/XX/XXXX for amount of {$930.00} Rpm ( RECEIVABLES PERFORMANCE MGMT ) Debtor is Also XXXX XXXX XXXX XXXX in amount of {$530.00} opened on XX/XX/XXXX when this is tied to same acct as listed above it was sent to collections in XX/XX/XXXX same company has opened false accts and when its close to the 7yr removal date they send it to another company and they reopen it again and again
I have filed ID Theft reports with the FTC.gov platform. In XX/XX/XXXX XX/XX/XXXX and and update inXX/XX/XXXX. In those complaints I informed XXXX, XXXX and TransUnion of a variation of my name as " XXXX '' and and address of " XXXX XXXX XXXX XXXX XXXX XXXX  Mi. XXXX  '' was incorrect and it has been removed. But XXXX XXXX XXXX Address continues to appear on my credit reports and this is a huge security issue. For the last time, Could you please delete the " XXXX XXXX XXXX XXXX. '' Address.