WillisBack/dataset-financial-user-claim huggingface dataset:
Wells Fargo closed my checking, savings, and credit card accounts due to being unhappy with me for depositing Money Orders into the account. I worked with a banker at the Wells Fargo in XXXX XXXX CT XXXX XXXX. She called several times regarding the matter. My complaint focuses on the checking issue and refunding my balance. She was told and relayed to me that my account would be closed as of XXXX XXXX and a check for my remaining balance would be sent to me. After waiting a few weeks without any check arriving I returned to the XXXX XXXX Wells Fargo and XXXX XXXX called again. During this phone call it was 1st relayed to me that they would contact the agent who was handling my case ( they would not give me the name ), then put me on hold and then told me Wells Fargo was keeping my balance! After being escalated to an executive custome service person I was then told the agent would be contacted again. I shared my concern about hearing several different stories over the past weeks but the only answer was that they would contact the agent and I could call back. Due to hearing several different stories and the amount being XXXX, I feel I have no choice but to file a complaint in order to get my money. I informed Wells Fargo of my intentions. While Wells Fargo may be unhappy with the deposit of several money orders, I have done nothing illegal. The funds have cleared from XXXX XXXX, and Wells Fargo is simply holding my money hostage.
I had a XXXX XXXX card which I always paid on time. In XXXX I deployed to XXXX and asked for my payments to be deferred which was done at a later date by AAFES. However, they still reported negative information on my account. In XXXX while stationed in XXXX my AAFES card was fraudulently used to purchase a computer notebook. I did not make the purchase and didn't know that a purchase had been made on my charge card until after negative information started appearing on my credit report. AAFES confirmed that the purchase was made but failed to send me the dispute documents. They said the purchase was made online and shipped stateside even though I was still in XXXX. I made some payments and then felt that I should have to pay for something I didn't purchase. AAFES then took the remaining balance from my Tax Refund. I did not want to continue to argue with AAFES so I called and asked if the account was paid in full and they confirmed the account showed a XXXX balance in XXXX. In XXXX negative information started showing on my credit report. The negative information showed {$1.00} was owed and placed for collections. 

In XXXX AAFES also agreed to remove all negative information from my credit report due to several situations arising while servicing the account. 

I am a XXXX XXXX XXXX  veteran and AAFES mistakes is making it difficult for me to find adequate housing. Due to my XXXX i have limited options where I can live.
I WAS CHARGED INTEREST ON A MORTGAGE PAYMENT TO OCWEN FOR XXXX OF 2016 WHEN MY MORTGAGE WAS PAID OFF ON XX/XX/2016.MY LOAN WAS PAID OFF SO NONE OF MY PAYMENTS SHOULD BE TO ANYTHING BUT PRINCIPLE AFTER XXXX. 
OCWEN CHARGED ME INTEREST FOR BOTH XXXX AND XXXX 2016. OCWEN IS A PREDATORY MORTGAGE SERVICING COMPANY RUN BY XXXX.
We purchased 2 tickets to travel from XXXX, IL to XXXX, XXXX on XXXX. The travel date was XX/XX/2017 to XX/XX/2017. XXXX cancelled this trip due to the company insolvency. We did our best to resolve issue with the company, but there is no response. We also filed a case with credit card insurance company, but insolvency is not covered by them. Our credit card issuer is a major bank so we expect it to have more power in resolving this kind if issue compared to our individual power, but the bank declined the credit card dispute we initiated.
I opened a Citibank checking account and deposited {$15000.00} on XXXX/XXXX/16. I signed up for a bonus that would earn me {$400.00} if I kept the {$15000.00} in the account for 30 days. The bonus code is XXXX. I did leave my deposit in the account, and Citibank accidentally closed my account on XXXX/XXXX/16 with no notice. The only notice I received was the {$15000.00} check with a letter saying account was closed on XXXX/XXXX/16. I feel that I should receive the {$400.00} bonus because I did n't close the account, Citibank did for no reason, and I kept my side of the bargain when I deposited my money, and it was in the account for at least 38 days.
I held an American Express corporate card as an employee XXXX until XXXX XXXX, 2014 when XXXX XXXX was acquired. I paid the balance to zero and cancelled the card upon the acquisition. American Express did not cancel the card despite my request. In XXXX, American Express billed me a membership reward fee. I called and indicated this was in error because the card had been cancelled. Again, they indicated they would cancel the card. They did not do so. I received more statements including interest fees on the membership reward amount. I called again to ask them to cancel the card. They did not do so. Finally, today, I received a phone call from their collections department for the {$91.00} for the membership rewards payment. I again, requested that the card be cancelled and the fee be waived. American Express refused to waive the fee and it is unclear to me as to whether they have formally cancelled the card.
I am very concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the account has nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Equifax failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please this is very exhausting, nobody wants to grant me a loan because of this ... 
XXXX XXXX XXXX XXXX XXXX
I 'm XXXX years old and my KeyBank account has been compromised. By a attorney who has used fradulent documents to get access to my account. Which has allowed this attorney to get my privilege information. Which include my checking, saving and my investment information. When I first contacted KeyBank no one seemed to know anything about these actions. I went to court several times and there was no attachments. Then after the last time going into court this attorney told the court that he had my money. With out my knowledge I 've never been contacted at any time in regards to this issue. I feel very violated I never had any judgements at all never even been to court about this. Just out of the blue he choose my name to include in his scam. Preying on the XXXX trying to get there money which is basically stealing.
Nationstar opened an escrow account attached to my principle/interest only mortgage. Regular principle and interest payments were paid on the first of every month via automatic pay through my XXXX account. Those payments started on XXXX/XXXX/15 and have continued monthly through XXXX/XXXX/15. After erroneously opening the escrow account due to lack of insurance without our knowledge or consent, Nationstar credited my payments to the escrow account and not my regular mortgage payment thereby adversely affecting my wife 's and my excellent ( XXXX fico scores for both ) credit rating lowering our scores dramatically. This seems to me to be fraudulent. When I have spoken with Nationstar regarding this matter - several hours total on the phone - I have repeatedly been told that they can not fix this or send me a letter regarding the on-time payment history. Nor, have they made any effort to correct the erroneous credit reporting described above. I am submitting the proof of insurance showing Nation Star as loss payee that I provided to them and a complete mortgage payment history.
My credit rating is wrong. My score is XXXX my rating poor this is wrong. 
The score starts at 300 top score 850. In the United States Of America. 
The math is simple 300-410 is a score. 411-521 is a score. 522-632 is a score. 
633-743 is a score. 744-855 is a score. That is the American math system. 
The credit rating allowed by the United States Of America is Bad, Poor, fair,  good, excellent. If this is correct. The math is simple. My rating should read on my credit report fair with a XXXX score. My complaint is XXXX, Equifax, an XXXX  has my credit rating wrong according to their allowed score of 300-850. It has a window of 550 divided by bad, poor, fair, good, excellent you have 110 in between the 300 score and the 850 score. My score falls in the line of fair and once it reaches XXXX my rating should read good. XXXX has a correct credit report but the rating is poor which is wrong. But they are the only credit reporting company with the correct information.
I called American Express to report my prepaid debit card lost and stolen when I last used it at XXXX XXXX to report that someone made a fraudulent charge for {$9.00} and American Express never returned the money back to me but thought I was responsible for the charges that were made on my card, even though I reported my prepaid debit card lost and stolen, but American Express thought I was responsible for the fraudulent charges in my prepaid debit card and they wo n't pay me the {$9.00}, that someone charged on my debit card, probably because I have a hard time keeping track of my prepaid debit card and I loose it and they have reimbursed me in the past when I have reported my prepaid debit card lost and stolen. But now, they are stealing my money and they wo n't give me back my {$9.00} and that is why I am filing a complaint to get the money that someone stole in my prepaid debit card, when I asked them to send me a new one and they are rude to say they do n't want my business anymore. And I violated a terns of conditions agreement all because I was always asking for a prepaid debit replacement card and they have no proof or evidence that I did that charge and I want them to give me my money back, otherwise I will report them to the news media for terrible customer service.
I purchased a XXXX XXXX XXXX through XXXX XXXX in XXXX, TX on XX/XX/XXXX.

The amount to paid off is {$18.00}, XXXX  on the vehicle. I voluntarily gave the vehicle back on XX/XX/XXXX. XXXX is now known as Bridgecrest. Non of may payments were ever reported to any of the 3 major credit bureau indicating that I had an existing car loan.

Additionally, when I fell behind three payments in XX/XX/XXXX harassed me and threaten to repossess the vehicle unless I sign document s to put payments on the back-end and I would still be charged the interest on it daily. I feel that I was taken advantage of through predatory lending.

Also, the language in the contract was one-sided. It stated that The arbitration agreement itself contains a clause that states, in relevant part, Unless you reject this Agreement, this Agreement provides that upon your or our election, all disputes between you and us will be resolved by BINDING ARBITRATION.

If you or we elect arbitration, you will be GIVING UP YOUR RIGHT TO GO TO COURT to assert or defend your rights under the Contract ( except for individual claims that may be taken to small claims court ).

Your rights will be determined by a NEUTRAL ARBITRATOR AND NOT by a JUDGE OR JURY
I purchased a 2011 XXXX XXXX. GM Financial financed the purchase. I elected to purchase GAP Insurance ( was not required ). The amount of the installment contract was {$440.00} a month - {$460.00} with the optional GAP Coverage. I have since cancelled the GAP Insurance - but GM Financial continues to bill me the {$460.00}. If the {$19.00} a month is n't going toward the insurance - where is it going?
I went through a foreclosure with WellsFargo, that ended on XXXX XXXX, 2010. Since then I have requested the paperwork in regards to the foreclosure on a few occasions. Most recently I requested the file on XXXX XXXX, 2010. WellsFargo is still unable to provide this documentation for proof. Also, the bigger issue is that the foreclosure is reported incorrectly on my credit report. It does not show the date of the foreclosure, which I was able to confirm with the Veterans Administration ( VA ) Regional Office XXXX. The VA confirmed they payed {$44000.00} in guarantee on XXXX XXXX, 2010. This needs to be corrected.
My issue is with Honda financial services for a motorcycle I financed with them. It all started when I let a friend borrow the motorcycle for a bike night and unfortunately, my friend had a XXXX accident and the bike was a total loss. Not knowing what to do about the situation because the bike was n't insured and my friend was in a XXXX I was not able to pay my monthly payments to honda financial. One day out of no where I get an email from a mother of my daughters friend from her school that a lady from Honda had called her looking for me and she was n't sure why they would call her. I then realized that I had just become friends with her on XXXX and that must have been the way that the representative from Honda got a hold of who she was and her information. I then decided to call the representative that called my daughter 's friend mother and demand why she had the nerve to call a total stranger looking for me and getting her information through my XXXX. She could have looked for me another way. At this point no one had ever shown up to my house to try to repossess the bike or anything. Although the bike was at a tow yard. She then began to accuse me that I was the XXXX doing something illegal because I was stealing a motorcycle by not paying for it and keeping it. I then explained to her what was the situation on the motorcycle and that I did n't even have the motorcycle in my possession because it was completely destroyed in the accident. She continued to say in appropriate things and that is when I decided to just end the conversation with her. I did n't even know how to begin to explain to the mother of my daughters friend why they would even call her! I was so embarrassing and I do not see why she had to receive a phone call about my personal life when she was merely just an acquaintance through my daughters school.
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX XXXX DOB XXXX/XXXX/1968 ESCALATE THIS TO YOUR LEAGLE DEPARTMENT IT HAS AN ORDER THAT MUST BE FOLLOWED TO REMOVE THE BANKRUTCY CHAPTER XXXX FOR XXXX XXXX XXXX THIS HAS BEEN IGNORED I NOW HAVE THE COMPLET ORDER READ PAGE XXXX OF THE ORDER. 
DO NOT USE E- VERIFY OR XXXX XXXX YOU MUST READ ALL DOCS XXXX. Old address on page XXXX MUST BE REMOVED REMOVE ALL FRAUD ALERTS AND REMOVE ID SECURTY ALERTS I DID NOT ASK YOU TO PLACE THEM ON MY REPORT. 

BANKRUTCY chapter XXXX for XXXX MUST BE DELETED VIA COURT ODER SEE PAGE XXXX OF ORDER I HAVE SENT YOU THE COMPLETE ODER AND I AM IN THE SETTELEMENT DOCKET # XXXX XXXX NUMBER XXXX YOU CAN CALL THE COURT AT XXXX TO VERIFY ORDER XXXX ALSO MUST BE REMOVED VIA COURT ORDER READ ORDER IN CHAPTER XXXX FOR STATE OF VA remove COAF INQUIRY ... DO NOT SAY VERIFIED I CALLED THEM AND THEY DO NOT KNOW WHO I AM AND HAVE NO PAPER TO SHOW I APPLYED FOR CREDIT. 
PER FCRA YOU MUST SHOW HOW YOU CORRECTED THE ITESM AND SHOW HOW YOU INVESTIGATED THE COURT ORDER.
I asked for a month extension, something I have asked for before. I was told I had to wait 12 months, I called back after the 12 months and got denied. I asked for a supervisor who started arguing with me over what the policy is, I just wanted 1 month extension to get back on my feet financially.
{$33000.00} was added to the principal on my mortgage without notifying me, giving me a reason or allowing me challenge it. Is the lender allowed to do that? Home is in California. I had a loan modifications 5 years ago from XXXX and as part of that modifications, {$99000.00} will be deferred and in 3 equal installments over 3 years of the anniversary of the modification, 1/3 of the deferred principal will be forgiven in which after 3 years, all {$9900.00} will be forgiven. XXXX sold the loan 4 years ago to Shellpoint Mortage and in XX/XX/2018, they just tacked on {$33000.00} back to the principal, thus breaching the contract. They have yet to respond to my inquiry and they are ignoring me.
Speedy Cash took {$1000.00} out of my bank account without my permission on a {$300.00} loan.
The credit bureau report XXXX XXXX late on my credit report. I was never late. I pay on time
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX none of theses accounts have validated the account to belong to me. XXXX have removed theses accounts from there Credit Reporting profile they investigated that the account were not mine
My husband and I, who were separated at the time, were expecting a XX/XX/XXXX tax refund check of {$XXXX}. My husband received the check in the mail, which was addressed to XXXX XXXX ( myself ) and XXXX XXXX ( husband ) on XX/XX/XXXX, took it to Wells Fargo bank in XXXX, CA, and deposited it into his independent account. Above my husband 's XXXX ethics in this situation, the bank violated national regulations since it deposited the check without my signature. Wells Fargo even violated their own policy that stipulates that XXXX payees be physically present to sign when the check is cashed. The bank 's response was that they were sorry, but they could not stop the check and that I should call the IRS to have the check stopped. I was unable to get through to the IRS to stop the check.
I recently reviewed my credit report on XXXX/XXXX/XXXX and saw a new entry for a collection account that was placed on my file in XXXX XXXX. It refers to XXXX and is in the amount of approximately {$3600.00}. We went to a seminar in XXXX held by XXXX in XXXX Tn. and were offered a package THAT COULD BE CANCELLED within 30 days. I contacted them within the 30 day window and cancelled my obligation. I spoke to them verbally and also sent a written request to cancel. The agent for them said she noted our file and acknowledged it was cancelled. Again, the service offered by them was never used in any manner and was cancelled properly. This was 8 years ago. Now, for some reason it has been re-surfaced and turned over to a collection service. I want this removed immediately from my credit report. The debt IS NOT VALID.
Hi, I consolidated my school loans with XXXX XXXX under the belief that my payments would count for eventual loan forgiveness after 120 consecutive payments. I am a full time local government employee and my employment was certified, but after 5-6 yrs. of payments, I have been told that none of those payments would go toward the forgiveness program. I was misled by XXXX XXXX. I recently consolidated with the right program after I sent the certification forms and found out. 

Something should be done. It's not right that I was misled. I went back to school at night and on weekends. I did so as a single custodial parent. This type of program would be very helpful to my financial situation. 

Please advise how this can be remedied. I made on time consistent payments through auto-deduction and it's not right that nothing can be done. 

XXXX XXXX
I have recently been using XXXX XXXX to monitor my credit in an attempt to repair and increase my credit score, and have diligently been working on it. When I created my account, I found 2 derogatory marks on it from the Collection Bureau of Fort Walton Beach and have tried to use the XXXX XXXX website to file a complaint with XXXX but they keep telling me that my information does n't match theirs. At no time did I receive any type of correspondence from the Collection Bureau regarding either of these charges. One is for XXXX XXXX XXXX for XXXX and entered XX/XX/XXXX and I have not used that clinic or any of it 's services for at least 10 years. I have no idea what this charge is for or when. The other I will do a separate complaint for, is for XXXX XXXX XXXX, dated XX/XX/XXXX in the amount of XXXX.
I have been sending letters to Experian and XXXX  for months now and I have repeated myself over and over again. I am extremely concerned about the actions they are having on my life..I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I do not own XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX
I contacted XXXX at the XXXX first and asked for a copy of the lease agreement and an invoice or documentation of the charges they claim that I owe them. The gentlemen stated to me that he was unable to send me a copy of my lease because they no longer had a hard copy due to it being 6 yrs ago. He said he could only provide me a bill of what I owe but it would n't be an invoice or documentation ( whatever that means ) He said I owed {$500.00} but my credit report is showing {$530.00}.
I requested a HAMP Modification to my mortgage in   XXXX   from  Flagstar Ban k. I worked through the difficult process of sending required documents that were lost and did not receive communication back. I was uncertain of  Flagstar  ability to process the loan so after 4 months of no progress, I sent in a mortgage payment. I sent two mortgage payments to  Flagstar  and both were sent back to me b y Flagstar. I  continued with process and began emailing any staff at Flagstar regrading by modification. My complaint is that I was just informed by my current mortgage lender,  XXXX   XXXX , that  Flagstar  did process my modification under  HAMP  after I asked for a Payoff quote. It appears that since my interest was n't lowered, years added to loan for a total of 40 years, and deferred principal amount of {$26000.00}, Flagstar merely completed a streamline loan modification. Therefore, my loan was n't a HAMP as I intended and the deferred principal was n't forgiven.
I paid of my XXXX student loan more than two years ago and even received an email congratulating me for paying off my loan. Recently, I began receiving emails from XXXX about my balance being available, but when I logged in to their website, there was no balance. I assumed this was a computer error. However, XXXX apparently has sold my imaginary debt to AES, which now claims my debt is XXXX plus XXXX in unpaid interest. There is no way this is even possible. Ten days ago, I submitted a written request for verification of the debt to AES, at which point they began harassing me with phone calls multiple times a day. Then today I received an email from AES saying my request could not be completed because I never returned their calls. I realize this is for a small amount of money, but it is money that I do not owe, and I have a right to receive written verification of the debt. My credit has already been ruined by student loans and I'm not going to start paying made-up debts that I don't owe.
In response to your response of We appreciate the opportunity to respond to this complainant. A review of our records reveals an account that may belong to the complainant. The name is a partial match ( 2/3 ) perhaps maiden name used, but the address does n't match. The account was placed with us in XX/XX/XXXX and a collection notice letter was mailed to the account owner. To properly review our records we will need the complainant to confirm the address used during that time period along with her date of birth and/or social security number. Upon receipt of this information we will complete our investigation of the complaint. 

My Name Is XXXX XXXX. The account must be under my maiden name ( XXXX ) You claim to have had this debt since XX/XX/XXXX but yet you placed it on my credit report between XX/XX/XXXX-XX/XX/XXXX? Again as a consumer that 's protected under the FRCA i would like to be able to use MY rights and dispute this account. It needs to be removed while i am requesting debt validation from this agency. I am requesting proof of this debt and a medical release form.
I had a loan for a XXXX XXXX that was financed by Capital One Auto Finance it was opened on XX/XX/XXXX and was closed due to it being totaled on XX/XX/XXXX due to a serious car accident. Capital One was made aware of the car being total and provided all information related to the insurance payoff that would be made to them due to their lien on the vehicle. The insurance company sent me a certified letter showing that they had paid the Capital One - however, Capital One shows that I was past due on the account which is untrue and false.