WillisBack/dataset-financial-user-claim huggingface dataset:
I opened an account with XXXX XXXX online in XX/XX/XXXX in a process that took a few minutes. I never received the debit card for the account. I called a few times and they said they can't issue a new debit card without the account number. I never received a debit card or checks or anything with my account number on it. Their solution is for me to go into the branch but I moved in XX/XX/XXXX and do not live near a branch. I would have to take time off work to go. I tried to just close my account to end the headache but they said they can't do it over the phone and that I have to mail in a letter. After mailing the letter they told me it had to be notarized and that they couldn't close it. 

I just want to close this account and get my {$25.00} back. If I opened it online and confirmed the opening with a phone call I don't understand why I can't close it over the phone after providing all of my personal information. I have closed bank account over the phone before. I feel like they are just making it difficult so that I won't follow through with closing it.
Fulton Freidman & Gullace, LLP have garnished my bank account without notifying me. They have taken everything in my bank account plus thousands more leaving me thousands of dollars negative without money to live off of. Also this is a debt that is almost 10 years old.
I am trying to apply for a mortgage loan, and all banks are not able to pull my equifax credit report. I have spoken with equifax multiple times where they have guarantee me that there is nothing wrong with my report and that everything is correct. I 've had different backs attempt to pull my report with NO success. They are only having a problem with equifax. They are able to pull XXXX and XXXX with no problem. This is costing huge problems with my living arrangements. 

I need my bank to have the ability to pull my credit report as soon as possible.
Quicken Loans used misleading tactics to attempt to have me sign an intent to proceed. Without prompting and months from expected closing date from a new construction home, I was contacted and told a few details about a loan estimate. However, most of the focus of the conversation was focused on signing documents within the next couple of hours and sending documentation to continue moving forward with the process. I did not know what that really meant, but when sent the information, I looked up what an Intent to Proceed meant. I clearly was not ready for this as I had not even received other lender 's loan estimates nor was I ready to start paying fees so far from being able to lock in a rate or close on the house. I told him as much, and the response I received was : " I 'm not too sure I know what you mean at not wanting to proceed. Even though the home is n't constructed yet, the most prudent thing to do would be to make sure the loan is approved through the underwriters and to lock in the credit I was able to get for you. What is your concern? '' This is clearly deceptive and unethical. No further response was received after I made it clear that " to lock in the credit '' was clearly not able to be done, that I did not want to pay fees so far out, and that other lenders wanted to give a more fair loan estimate at a date closer to locking in rates.
On XX/XX/XXXX I transferred {$15.00} USD to gdax.com. Their process is to first transfer it to their sister site coinbase.com and then transfer it to gdax.com. The funds were taken from my bank account and deposited to coinbase on XX/XX/XXXX and have been pending a transfer to gdax since XX/XX/XXXX. I have sent them 3 emails requesting an eta on my money but I only get a generic response. My last request was sent on XX/XX/XXXX and as of now I have not received a reply.
XXXX ( opened ) XX/XX/XXXX {$75.00} Filed disputes with XXXX credit agency.  Debt has not been correctly verified or validated. Debt is not mine as I have been covered by state insurance for the past 4 years. Debt could be a result of identity theft. A police report has been filed. DEBT IS A VIOLATION OF HIPPA LAW XXXX XXXX ( opened ) XX/XX/XXXX {$150.00} Filed disputes with XXXX  credit agency. Debt has not been correctly verified or validated. Debt is not mine as I have been covered by state insurance for the past 4 years. Debt could be a result of identity theft. A police report has been filed. DEBT IS A VIOLATION OF HIPPA LAW XXXX XXXX ( opened ) XX/XX/XXXX {$150.00} Filed disputes with XXXX  credit agency.  Debt has not been correctly verified or validated. Debt is not mine as I have been covered by state insurance for the past 4 years. Debt could be a result of identity theft. A police report has been filed. 
DEBT IS A VIOLATION OF HIPPA LAW Debt Recovery Solutions ( opened ) XX/XX/XXXX {$59.00} Filed disputes with XXXX credit agency. Debt has not been correctly verified or validated. Debt is not mine as I have been covered by state insurance for the past 4 years. Debt could be a result of identity theft. A police report has been filed. DEBT IS A VIOLATION OF HIPPA LAW Incorrect social security number.
I have contact XXXX XXXX several times, and every time I dispute the amount shown on my credit report they indicate I owe it to them. I asked them to show me proof of my signature and all they send back is that the debt is valid. I would like for them to show me my signature for the loan they say I owe. They have still yet to provide me with proof.
XXXX XXXX, Senior Collector at XXXX XXXX XXXX XXXX contacted me on XX/XX/XXXX about my account being negative. Since it was a new account I had just opened in XX/XX/XXXX, I had not even used the account yet. I was only able to set up my direct deposit from my part time job. I replied to XXXX 's email stating that my XXXX account was hacked and fraudulent purchases were made. Because my new bank account was attached, it tried to withdraw from it. I contacted XXXX and they closed my account and I had to create a new one. I even provided her with the email from XXXX in regards to the fraudulent charges. The bank told me I had to physically come inside the bank to dispute. At the time, I lived in XXXX, GA and could not XXXX XXXX into any branch, therefore opening up a dispute online through their secure inbox. Even after providing proof, they still didnt close the account for fraud and began reporting this on my credit report. I have attached the conversation between me and XXXX from Florida Commerce.
On XXXX/XXXX/17 around XXXX XXXX I received A CALL FROM A REPRESENTATIVE BY THE NAME OF XXXXXXXX XXXX ( NAME WAS N'T CLEAR ), AS I KEPT REQUESTING XXXX TO DISCLOSE THE REASON FOR THE CALL HE FINALLY TOLD ME THAT HE WAS ATTEMPTING TO COLLECT A DEBT, AND KEPT ACCUSING ME THAT A DEBT BELONGED TO ME. I QUICKLY MADE XXXX AWARE THAT HE WAS IN VIOLATION OF FDCPA RULES AND REGULATIONS AND REQUESTED HIM TO REMOVE ME OFF OF HIS COLLECTIONS LIST. THE DEBT WAS FRAUDULENT AND I HAVE KNOW KNOWLEDGE OF THE DEBT, AND ALSO ASKED HIM TO STOP THE HARASSING CALLS AND TO CEASE AND DESIST ALL COLLECTION EFFORTS.
XXXX XXXX XXXX taken in XXXX was added to parents bankruptcy XXXX yrs ago. Late husband, me and my parents bought home together so Bankruptcy allowed XXXX on their bankruptcy case. Some paymts cashed, others returned. 3 mos. prior to bankruptcy ending, sold loan to XXXX XXXX XXXX, serviced by Green Tree Servicing. Green Tree merged with DiTech recently. Late husband has been dead for almost 12 yrs., but DiTech and Green Tree have been sending letters to my XXXX address to my late husband. When I contacted Green Tree, it initially seemed it would go smoothly, except there 's over $ 2k with Bankruptcy that should have been posted to our loan more than a year ago and no one will file a claim for the money, they refused to give my atty an accurate acctg, and wo n't give me an accurate balance or establish payments. Atty has quit case Also, I remarried and moved to XXXX in 2006. XXXX transferred loan to a XXXX office and changed the acct no. on the loan. Now that loan has been sold, Green Tree and DiTech have been listing my current husband 's home as the lien property, which it is not. They outright refused to correct the information on their correspondences, even though they 've admitted they have the proper lien address in their computer. I am going to call them again and try to get this straightened out, but the bankruptcy has been deemed complete and over a year has passed. We have n't made a payment because we were advised by either the bankruptcy court or the trustee to keep payments until they correct the lien address, which they refuse to do. I believe they are trying to put us in a position that allows them to foreclose on the property. A rep. for Green Tree told me, in a recorded call, that foreclosure would not happen, but would not tell me what the payments would be. Instead, she told me to offer her a payment amount, and then suggested {$500.00} a mo, which is higher than the original payment. At that time, I would n't agree to any amount because they did n't have the correct balance. When our atty at the time requested an accounting of the payments, including a correct balance after the $ 2k-plus has been posted, they returned the $ 2k-plus to Bankruptcy, stating they did n't know what acct the money was to be applied. Since I have specifically spoken to several representatives from Green Tree, they were completely aware of which account the money should have been applied. Green Tree, and now DiTech, has done nothing but give us the runaround. My parents still live in the XXXX property but are old and sick. We want to sell that property and move them to XXXX with me, but can not do that until we are able to straighten out the account with DiTech. Since they refuse to correct the lien address, I 'm at a loss, so I have decided that filing this complaint may help, especially since the recent letters which have been addressed to my now 12-yrs-passed late husband, were sent concerning submitting a complaint about their handling of our account. These letters were sent, according to a DiTech rep, due to recent litigation.
Debt collection was placed on my credit report on XX/XX/XXXX for {$660.00}. I do not owe said collection for a XXXX bill from XXXX as it was paid in full. I disputed with XXXX and XXXX. This company is a junk debt buyer and should be shut down as they are not good for consumers or legal debt collectors.
XXXX used a bait and switch tactic to trick me into paperless billing in order to save costs on paper and postage. There should not be a popup that asks the question in deceptive way. I never remember opting out of paper billing. THe end result is that I did not pay my minimum for two months. When I found out through a telephone call, I immediatley paid the amount due and the late fees assessed. I asked that my credit report be corrected as I have never missed a payment or defaulted on an amount owed in my XXXX  years. I also explained that I needed paper billing due to a memory condition that I could validate with a letter from my XXXX. They still refused to remove the late payment, which is destroying my credit rating and has caused me to pay a higher rate on a recent mortgage that I applied for. The paperless billing pop ups are deceptive and misleading and are worded in a pay that infers the saving of natural resources. They do not pose the question obviously as a yes or no.
I applied for a secured credit card with USAA bank with a written agreement that I could not only use it to improve my credit score, but to also increase my savings by adding funds to the Certificate of Deposit which the card is connected to whenever I pleased. Even though it runs off of a Certificate of Deposit which I paid into, they still ran my credit, then they charged me a fee, only to then tell me that I may no longer add funds to the CD as agreed to originally due to a " banking decision '', which is a vague and undescriptive response. 

Now I am stuck with a CD that I can not increase, as to the original agreement, a laughable credit limit, a hit to my credit score, and in order for me to start another secured card with another agency I would have to suffer yet another hit on my credit. 

Is it legal for a bank to back out of a product after they have already established an agreement??
We spoke with Pennymac about mortgage rates and got a quote that sounded better than the one we had and were working on ( in the application process ). <P/>The first thing the guy wanted was our credit card for the appraisal. We did n't even have an application or Loan Estimate from them. But he said this was required before other steps could proceed. We gave him our credit card info. <P/>It was days before we got any other information from him, and we decided not to go with him because we had an uncomfortable feeling dealing with him. The Good Faith Estimate had fees that had jumped way above what he had quoted us. When we next spoke to him, he did n't speak in specifics but more in vague generalities and this put us off. On the evening of XX/XX/XXXX, our real estate agent emailed us saying he was unaware that we had swapped lenders. We told him that we did not change our lender. Although the Pennymac guy had sent us links to his application but we did n't sign it. Because of our deep discomfort with this guy, we did not commit to using Pennymac. A few days later, he called to ask what was up. We told him that we were going with another lender. At the end of this conversation, he said something about our calling to stop the appraisal - or something like this. The gist was that we had to do something in order to stop an expense to us. My wife 's recollection is that he had said that he would pull it, or void it or cancel it. Before I could ask more about it, he ended the call. <P/>On XXXX XXXX, 2017, we got an email referring us to a website from which we could download the " Property Valuation ''. This was a big surprise. The next morning, I checked the credit card and saw the Reservation of {$450.00} made on XX/XX/XXXX, but had not been " collected ''. We did not follow the link to the website to the point of accessing the " Property Valuation '', as this might have " accepted '' the service that we had n't pursued. <P/>My wife is very upset about this transaction. She ca n't understand how a bank would proceed with charging us for an expense without a signed application. She is only grateful that we backed out of dealing with this guy.
I had a personal Loan of {$500.00} with XXXX XXXX XXXX. It have been paidand closed since XXXX/XXXX/2015 and it is still being showed on my Transunion rreport till this day. Have provided receipts to them showing it has beenpaid but ca n't get it updated for some reason.
My two business accounts were closed at Bank of America, with no warning and no explanation : o XXXX XXXX XXXX. # -XXXX approximately {$6000.00} balance o XXXX XXXX XXXX  # -XXXX approximately {$6000.00} balance I was told that they were legally allowed to do this according to the deposit agreement I signed when I opened my account 18 years ago, however they can not provide me with my signed copy.

For the past few weeks, I have spent various hours on the phone speaking with supervisors and have gone to my local branch and no one will give me any information.

I received a document for each account dated XXXX XXXX  2018 which states, Weve closed your account listed and any remaining balance wont be returned to you.

I have no access to my account, my money, or my bill pay information, and the various Supervisors Ive spoken with in the account closure department ( the number listed on the letter ) continue to say my account is under review, with no speculation as to when I will receive further information.
We are with this mortgage company name OCWEN. We are trying to modify a loan but the company keeps asking for documents that we have already submitted numerous times. The company claims that they are not receiving the documentation. It has been seven months to try to get this modification completed. During this seven month period the company stop excepting our mortgage payments and received mail that they are starting foreclosure. On their documents it states that while we are in the process of modification that there would not be a foreclosure filed.
On or about XXXX XXXX my roof was damaged in a storm. I contacted my insurance company they sent someone out and they agreed to replace my roof. Funds were disbursed to the lender QBE/Seterus License # XXXX approx. {$19000.00}. We selected XXXX XXXX to complete the repair because of their outstanding reputation here in XXXX, FL. QBE/ Seterus refuses to start the repair process on my roof by releasing funds to the roofer unless I can find a roofing company that will agree to sign their Contractors Conditional Waiver of Lien attached here with. I have called XXXX roofing companies here in XXXX Florida and all refuse to sign such a waiver. Seterus then told me to go hire an unlicensed contractor to do the work???? Since XXXX the roof has become more and more unstable and is now leaking down the walls of the home and the a/c unit has filled with XXXX mold and has stopped working properly. The home is becoming completely uninhabitable and the damage continues to mount. Please Help Frustrated and Furious that Fannie Mae allows servicers like this to handle their affairs.
I am unaware of the inquiries your company listed on my credit file. I have attached a letter in the file section below along with pictures showing the inquiries. It came to my attention that your company is reporting inaccurate errors on my credit file. I am in distress and I feel violated as a consumer that your company is reporting such information in my credit without me knowing this was going on. Pleas read letter in the files section. 

Sincerely XXXX XXXX
I graduated in XXXX with a substantial amount of debt. I immediately enlisted in the military with hopes for additional repayment options, etc. I utilized the SCRA to help while XXXX XXXX, however AES/PHEAA/XXXX immediately began their scare tactics upon my discharge. 

The first straw was in XXXX when the co-borrow called to make a payment on a past due loan that was through XXXX XXXX XXXX. They took the money, allocated wherever they wanted, neglecting the loan that actually needed to be paid. It defaulted. Once questioned as to why it wasn't sent to the right accounts, the response was " he didn't say he wanted it all allocated there ''. COMMON SENSE SAYS TO PUT IT WHERE IT NEEDS TO BE- NOT WHERE IT ISN'T NEEDED. They conducted an " internal investigation '', claiming they listened to the recordings and were not at fault. Yeah, right. I told them about his age ( and why he doesn't do online payments ) and they said- " maybe he was just confused ''. DISGUSTING! My father ended up using his entire savings to cover this loan once it was in default/collection. 

I have called countless times to make other payment arrangements, only to be told by one representative I had such and such options and getting my hopes up. But then I get notice that my loans are 90+ days past due and my good faith payments were for nothing. I then call back and get a representative saying things such as " I don't know why the last person would have told you that '' and escalating me to a " supervisor '' who said that things just haven't processed to reflect the amount owed. A week later, I see I'm 103 days past due. I call back yet again to be told : " you used all the options available ''. 

In short, I want to pay! I just can't pay the amount they want. I can't get a consolidation loan somewhere else because XXXX/AES has ruined my credit beyond belief. I'm to the point that I ask myself why pay at all? If what I can give isn't good enough, I may as well keep the money in my pocket to pay my rent and eat. 

The original cosigner for the loans is now XXXX and living on Social Security. WHY are options for repayment so limited? I'd sell a kidney just to be able to move my loans to another servicing company with actual legitimate repayment terms. They have done nothing short of ruining my credit and quality of life.
I opened up a certificate of deposit XX/XX/XXXX which was a 4 month CD at the interest rate of 4.88 % and stated automatically renewable meaning it just rolls over. I contacted JP Morgan Chase bank regarding this CD and I was told by XXXX from the executive office that CHASE CLOSED MY CD account sent the funds to RETENTION and they can't find my money. XXXX from Chase executive office is handling this and also told me that CHASE CLOSED my account and the last time the CD was listed on my statements was XX/XX/XXXX. The money is NOT IN RETENTION, It's not been forwarded to the State Of Illinois as unclaimed money. They asked me to locate my XX/XX/XXXX-XX/XX/XXXX tax return to see if I filed an amount from a XXXX. Well the XX/XX/XXXX-XX/XX/XXXX tax return on my computer states its a corrupt file. XXXX only goes back to XX/XX/XXXX to get copies. I can vget copies thru the IRS at a cost of {$50.00} per tax return. Mind you CHASE closed my account without authorization and without any notification oif such. I told XXXX to send me XXXX so I can get those tax returns and she's yet to call me back. I want my CD money which was opened with {$10000.00} with all accumilated interest at the rate of 4.88 % from the time I opned the CD till the day I recieve the accumilated interest. This is CRIMINAL FRAUD AND THEFT. I included a copy of the certificate of deposit and the reciept for opening up such
Coinbase has been taking no action to resolve my fraudulent identity verification. I have been locked out of my assets with my account frozen since XXXX. They had no problem taking my money and allowing me to trade up to the amount of over {$10000.00}, then began requiring identity verification. It was only a problem because they did not recognize any address and provided me with false identity verification questions. 
I have tried to contact them in a regular basis since mid XXXX. No minimal correspondence and no resolution. They even drop my calls when I call customer service and do not call me back. They hang up on me after I get connected with an agent more than once as well. 
I need access to my funds as it is unlawful and fraudulent to hold my funds with no explanation nor attempt to fix the problem. As a result I have lost thousands in trading possibility as well as investing at times that would have profited me signinficantly. There have been damages in excess of {$10000.00}.
Tried to contact attorney on file, I even thought at one point that maybe my sister opened this account illegally on me and I offered to pay however they never returned my correspondence. I just keep getting pre recorded messages that I need to contact them about an urgent legal matter with no option to push to speak to someone. Then I got notice to go to small claims court from another company but with the same credit card but it was the week after the holidays so I was n't able to make it to let the judge know this was n't mine so a judgment was made. Now I am being told I must pay over {$900.00} plus daily interest and appear in court next month or face a warrant. On the court documents there is no account info, no identification information other than a name and address and when I apply for credit I always use my middle initial unless it 's a store card because you are there and they use your photo identification for that.