WillisBack/dataset-financial-user-claim huggingface dataset:
My bank will not send requested information to a company requesting it ..in a timely manner. This is causing issues with returned checks and nsf fees. Also my bank is returning items when my account has the money to cover it and then charging me fees for them being returned. They do not show the items being returned but show the fees for the items in my account activity. I have also disputed a charge and have had to call them twice about it and still nothing has been done and the charge was done I believe on XX/XX/XXXX to a card that was reported stolen and no longer active. I 'm still waiting to hear from someone.
My creditor XXXX XXXX has reported twice on Experian. Once under loans and another under Litigation. This is facing a judgement in public records. Due to this / This loan was deleted from my XXXX account. XXXX only report it once. A previously opened charge card. XXXX XXXX that is delinquent and charged off was reported with an incorrect open date of XXXX/XXXX/2013. This account was deleted with the dispute and was reinserted with an open date of XXXX/XXXX/2013. This account is closed but it is reporting a fresh charge off every month. It shows on my credit as a new account. These items are ruining my credit, could you help. XXXX XXXX also reports it as a fresh account.
Some weeks ago, I contacted NetworkCapital about a refi. About a week later, I had second thoughts and informed their representative, both verbally and via e-mail, that I no longer wished to pursue the refi with them. 
Since informing the company, via it 's representatives, of my change in plans, representatives of the company have continued to call me at least weekly ( sometimes more frequently ), even though I told each representative I was no longer interested in pursuing a refi with them. 
This morning, I received another call from a NetworkCapital representative ; I hung up on the caller. 
I wish all calls to me from NetworkCapital cease, immediately!
I have been the victim of identity theft and someone my information has been used to try and open accounts. The inquiries are not mine or initiated by me : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
I have wired XXXX on XX/XX/2017 to Coinbase. Still have not see money deposite to my Coinbase account. I have email to them many times. Feel those reply is by computer. Not real person. Msg to Coinbase employees XXXX on rebbit, no reply. I create case # XXXX I have they will solve this problem ASAP.
we have mortgage with greentree servicing. I applied for an inhouse modification which would reduce the interest and put the late payments at the back of the loan. and forgive the late fees. ( they would not even talk about a mod until we stopped paying them XXXX so thisput a negative impact on our credit scores. we use auto bill pay which insure ontime payment and now they claim we were late and want to tack on over {$10.00} XXXX in interest and {$600.00} plus in other fees. the forms they send out are so confusing and talking to a customer care rep is so bad. This month they send out XXXX invoices for XXXX payment and they are not even sending to my address where I live.
I am using Wells Fargo as my primary bank account. On XXXX XXXX, 2015, someone has been using my card without my permission ( Unauthorized transaction ). My card were not stolen ( I had my card with me ). The unauthorized transaction was being made at XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX XXXX ), XXXX XXXX ( XXXX XXXX ), XXXX XXXX ( XXXX 's ), XXXX XXXX ( XXXX ), and etc,. XXXX transaction with the same amount of {$36.00} were made in XXXX ( total of {$73.00} ), XXXX transaction of exactly {$100.00} was made in XXXX, XXXX transaction of exactly {$200.00} was made in XXXX XXXX ( Total of {$600.00} ), XXXX transaction of {$2600.00} was made in XXXX 's and XXXX transaction of XXXX was made in XXXX. I was in XXXX XXXX with my wife on the same night ( As a proof, I made some transaction inside the city of XXXX XXXX ). All the transaction made within XXXX XXXX were done by me and my wife, but other transaction made outside the XXXX XXXX, such as XXXX XXXX and XXXX XXXX, were not me or others with my permission. Also, I was within the XXXX area, so every transaction I made was inside the XXXX of XXXX XXXX ( such as XXXX, XXXX XXXX and XXXX was used by me ). I filed my claim to Wells Fargo, and they gave me a temporarily credit of {$3400.00} on XXXX XXXX, 2015. But, I just received a mail saying that my claim is closed and they deducted the temporarily credit of {$3400.00} from my account. On the letter, it said, they have completed their research of my inquiry about charges to my account. Based on the information available to them ( Wells Fargo ), they found the charges were made by me or someone who had my permission. I do n't know what exactly happened because I had my card with me, and the only people who knows my pin number is my wife and I. But my wife is always with me 24hours a day, and she was with me on that day too. Also, it 's funny because I have never been to XXXX, XXXX, XXXX XXXX, XXXX 's, XXXX XXXX or XXXX XXXX before. How can I make a transaction in a place I have never been to? Please help me find my money back. Thank you.
On XXXX XXXX was the last day I could use my card. I receieved a transfer from a friend for {$20.00}. I was waiting for my DD to hit on XXXX XXXX but never did. I tried to get online to sccess my acct and it was locked. I tried to call but it was busy busy busy.So I got on XXXX and saw a group about # ENDRUSHCARD and joined. I was seeing people with situations way worse than mine. I went to XXXX XXXX page explaining our situations and no response. I called All news stations, no response, then I called a atty and found out there is nothing we can do because of a Arbitration in the Rushcard agreement.NOW I am worried my mom will not get her SSI money on XXXX XXXX and then she will be XXXX. RUSHCARD NEEDS TO BE TAKEN TO COURT AND SHUTDOWN!
Credit cards have listed balances on Equifax after bankruptcy. Have disputed 3 times and they continue to list balances. My understanding is that balance should be XXXX after bankruptcy.
I am the XXXX of my mother 's estate. I have all the necessary documents from the probate court along with the death certificate. I went to the Wells Fargo branch to close out her savings account. I was told that they needed the EIN of her estate account. I have not had to set up an estate account for her other investment accounts, etc. I informed the bank manager that I do not need an EIN to close out the account. He refused to disperse the funds. I contacted a probate attorney and he verified that Wells Fargo does not need to know the EIN to disperse funds. The funds can be dispersed through a check made out to 'the estate of ' but they do not need an EIN to do that.
In XX/XX/2018 I disputed an inaccurate Public record with EQUIFAX the account which is US Bankruptcy Court.  EQUIFAX investigated and it came back verified. In XX/XX/XXXX I sent in a certified letter to EQUIFAX for a Method OF Verification. This is my right to see and look over and see who verified the Public Record with the credit bureau and the court. I am hereby exercising my rights under the FCRA 611 ( a ) ( 7 ). To request a complete description of all methods used to investigate my aforementioned dispute. I have enclosed a copy of the letter that was sent to EQUIFAX via mail certified and the mail receipt that they received the letter, The letter dated XX/XX/2018 sent on XX/XX/2018 EQUIFAX received the letter ( METHOD OF VERFICATION ) on XX/XX/2018,,, i have copies of the delivery receipts On XX/XX/2018 i was notified that EQUIFAX completed their investigation with the Public Record US Bankruptcy. They failed to send me what I requested how they investigate it and complete the investigation and failed to send me the Methods of verification that I request, I am a consumer and I have rights to request the method verification. EQUIFAX have violated my rights and need to remove the Public Record from my credit, I am filing a small claims for the non-compliance and violation of the FCRA. This is not right ; they failed to send the proof that I am entitled to ... delete the public record from my file. I have all rights to see there method of verification, if they did a 100 % verification then I should have been allowed to see the names and address and phone number of the people that verified the account with the company. EQUIFAX violated laws and my rights and refused to send me what I Requested. Per the FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your company. Equifax received the certified METHOD OF VERFICATION Letter from me. They still refused to send me what I am entitled too ... this is not right,,, delete it please off my credit file,, is not right to violate my rights to what I am entitled to,,, I have enclosed the copy of the letter and the certified letter mail receipt and the delivery notification,, I Should have got the METHOD OF VERFICATION. I was entitled to see that information so they refused to send it. You are now asked to delete the account or I am entitled to damages from this company for the non-compliance I am taking this to court if not removed a.s.a.p. I have enclosed copies of my recent updated Credit report from Equifax dated XX/XX/2018 which shows they have completed the dispute on the US Bankruptcy. Equifax delete the inaccurate information my next step is filing a suit for the willful non-compliance. EQUIFAX WAS GIVEN TIME TO SEND MY METHOD OF VERFICATION AND REFUSED TO SEND,,, AGAINST THE LAW AND VIOLATION OF THE FCRA,
Violation of Section 392.101 of Texas Finance Code which prohibits a debt collector or credit bureau from engaging in debt collection in Texas unless the debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. Furthermore, Sec. 392.303 UNFAIR OR UNCONSCIONABLE MEANS. ( a ) In debt collection, a debt collector may not use unfair or unconscionable means that employ the following practices : ( 2 )  collecting or attempting to collect interest or a charge, fee, or expense incidental to the obligation unless the interest or incidental charge, fee, or expense is expressly authorized by the agreement creating the obligation or legally chargeable to the consumer.
I sold a home in XXXX wisconsin in XX/XX/XXXX. The home was at XXXX XXXX wisconsin XXXX. My morgage company Freedom mortgage Loan # XXXX. At closing I paid the taxes due then shortly after that my morgage company paid them too. The town of XXXX sent the check back to the morgage company XXXX XXXX. I have given them proof that taxes were paid and I have given them proof that XXXX XXXX sent their check back after more then 30 calls to them and over two months I have not recieved my escrow from them. their number is XXXX. My phone number and address is XXXX XXXX XXXX XXXX wisconsin XXXX my phone number is XXXX
YOU ARE STRICTLY PROHIBITED FROM CONTACTING XXXX XXXX WITH THREATS OF INVESTIGATION, MISCONDUCT OR ACCUSATION. YOU ARE UNDER STRICT PROHIBITION FROM ANY MISCONDUCT INVOLVING XXXX XXXX ' FUNDS OR BANK ACCOUNTS. YOU MAY NEVER JEOPARDIZE XXXX XXXX ' MONEY SUPPLY, ABILITY TO EARN, PROFIT MARGIN, NET WORTH OR GROSS DOMESTIC PRODUCT. 
YOU ARE HEREBY ORDERED TO CEASE AND DESIST FROM ANY ARGUMENT OF DOUBT AS TO WHETHER ANY BANK ACCOUNT AT YOUR INSTITUTION IS WHOLLY MINE. 
YOU ARE SEVERELY PROHIBITED FROM ARGUING THAT THERE ARE NOT ENOUGH RIGHTS TO WITHDRAW FROM ANY ELECTRONIC TRANSFER TO FUND ANY ONE OF MY ACCOUNTS. YOU ARE COURT ORDERED TO ADMIT OUT LOUD THAT THE MONEY IN THESE ACCOUNTS IS LEGALLY AND RIGHTFULLY MINE AND THAT YOUR BANK MUST ACT TO ASSIST ME LIKE ANY OTHER CUSTOMER. 
YOU ARE ORDERED TO CEASE AND DESIST FROM ANY BLOCKAGE OF THE ELECTRONIC SYSTEM. 
YOU ARE HEREBY ORDERED TO CEASE AND DESIST FROM ANY OBSTRUCTION OF MY CUSTOMER SERVICE DEMANDS SO THAT YOUR EMPLOYEE DOES ACT TO HELP ME WITH EVERY REQUEST JUST AS THEY DO ANY OTHER CUSTOMER. 
YOU ARE STRICTLY PREVENTED FROM BLOCKING MY RIGHT TO WITHDRAWL. 
YOU ARE STRICTLY FORBIDDEN FROM ISSUING ANY WITHDRAWL TO A WELFARE OFFICER, POLICE AGENT OR OFFICER OF THE COURT. YOU ARE STRICTLY PREVENTED FROM EVEN MARKING MY ACCOUNTS WITH NEGATIVE INFORMATION ON THEIR REQUEST. ALL MARKINGS FROM THE BANK SHOULD REFLECT POSITIVELY ON THE PERSON. 
YOU ARE STRICTLY PROHIBITED FROM OBSTRUCTING ME FROM RECEIVING MY INTEREST CHECKS BACK IN THE MAIL ON MY CD 'S. SEND ME THE INTEREST CHECK BACK IN THE MAIL AT THE END OF EACH TERM ON EVERY SINGLE CD AT YOUR BANK. 
YOU ARE SEVERELY FORBIDDEN FROM ASSISTING ANY SURGEON IN OBSTRUCTING MY ACCOUNTS. 
YOU ARE ORDERED TO CEASE AND DESIST ANY UNLAWFUL ATTEMPTS OF FATAL DEATH THREAT, HARASSMENT OR INVESTIGATION INTO ANY MATTER WITH YOUR BANK WITHOUT FIRST CONTACTING XXXX XXXX LEGAL REPRESENTATIVE LISTED BELOW : XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX
Home located at XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX was up for sale working with realtor and batter on thermostat went dead and caused frozen pipes and major water damage. Could not live in home, and Husband and I did all the water mitigation and had XXXX XXXX XXXX XXXX Adjustor ( XXXX ) come out and survey water mitigation that was done. XXXX approved everything look. XXXX and I submitted a bill to XXXX XXXX and US Bank. US bank is the mortgage lender. XXXX XXXX submitted two checks to XXXX XXXX, XXXX XXXX and US Bank for XXXX ( XX/XX/XXXX ) ( payment for water mitigation per estimate from Service Master ). We did not use service master we did the work ourselves as we were there. Then another check for XXXX ( XX/XX/XXXX) was sent to me XXXX XXXX ( XXXX XXXX ), we tried to cash check for water mitigation to get paid for our work and US bank told us no, they would pay us after all work is done and if there is anything extra left. US refused to cash and it stopped us from moving forward on repairs to get back on market. Whole inside of home was remodeled and painted. Our realtor at the time was XXXX XXXX ( XXXX ) XXXX XXXX XXXX. We are trying to get paid for our water mitigation as US has sold the mortgage to a company. XXXX XXXX stated will reissue me new checks but need to be made out the same and US Bank will not cash and pay us. XXXX XXXX ( XXXX ). US Bank Lost Claims fax  number XXXX Tracking number XXXX Property loss Department XXXX and spoke with XXXX. My name is XXXX XXXX current address is XXXX XXXX XXXX, XXXX XXXX, MN XXXX and current cell phone is XXXX. 
We are currently requesting XXXX XXXX to issue the amount due to us for water mitigation and to release check in our name XXXX and XXXX XXXX.
I have a case number XXXX I would like to add to it after I went up there Georgia on Saturday XXXX/XXXX/XXXX. I received documents of my account. I have paid out {$8800.00} on a {$2400.00} loan. the paper work shows {$5000.00} on XXXX/XXXX/XXXX which I gave them back {$2500.00} back on XXXX/XXXX/XXXX. XXXX. They tell you their internist is 11 %. but if you look it is actually 109.3767 %.. Saturday they wanted me to sign a new contrast which puts me back where I started. I can not get my car reposed so what do you do. I ca n't keep paying them all this money. They are a scam. I have medical issues and other things going on. I am a XXXX income family. I need some help here.I have been doing this for two years I want out. Help me!!!!!! I have to have my car to get to work.
After depositing a payroll check, the bank made available an amount which I used to make a transfer {$200.00} later. one day after, I realized they had removed the available amount, making the whole check unavailable since XX/XX/XXXX until XX/XX/XXXX, this is a company check, I have already deposited three checks from three different payroll period for the same company. As a result, my account has now an insufficient funds fee of {$35.00}, and they say the only solution is me depositing the {$200.00} in order to avoid additional insufficient funds fee. I have left the bank without a solution, without funds in my account, and with the threat of additional fee, all caused for bank errors.
I'm not sure about what category this fits into but my issue is with Wellsfargo Bank and their unethical practices. My wife and myself have been trying to get Wellsfargo, for months, to endorse an Insurance Claim check that we spent the last 2 years fighting for in court and ended up with half the money that was appraised for the fixes that needed to be done. I as well as my wife have tried reasoning with them, explaining that we do not have the money to do the repairs and I even offered for them to be able to come by while the repairs are done to make sure that the issues are being addressed. They have refused time and time again. Wellsfargo sent us a letter stating that we had to send the check to their office and that they would hold on to the money and reimburse us once the repairs are done. This is totally observed being that this money does not belong to them and we need this money to do the repairs on our home. I'm hoping that you can help us or point us in the right direction to who could help. These are bully tactics against the consumers and totally unethical practices. I have spoken with several people that I know and they have had similar issues or problems with Wellsfargo.
Now this debt which is passed the statute of limitations in the state of Texas is sold to this company who is now harassing me regarding this debt and has threatened to place it on my credit reports for all 3 bureaus and take legal action. They continue to call and hang up on my phone while I am at work. They call from different numbers stating they need have documents or issues. One day I believe they even called me before XXXX XXXX. They call 4 times a day on my cell at least daily. I have not given them permission to call me or my cell. They dont leave messages. I feel threatened as this woman just told me I am a refusal that should pay my debt and made some threatening comment afterwards. I advised her I didnt have to and to stop calling my phone and that I was filing a complaint. She sounded lime she was laughing on the phone. I am being harrassed day and night. This company does not have a surety bond in the state of Texas to collect, which is required. Yet, they continue to attempt to collect and violate Texas law. I filed a compliant against this company with the Texas attorney generals office. I am also seeking a class action lawsuit with my attorney due to the XXXX, XXXX  and XXXX XXXX  and XXXX this is causing me as a XXXX XXXX XXXX XXXX XXXX. Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service. Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line or not place it on my report altogether if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ) Regards
I want to report deceptive banking practices of Citibank. They were offering a promotion to open a checking account and deposit XXXX within 30 days ( leave in for 60 days ) and receive a XXXX bonus. It seems to me that they would intentionally set up roadblocks to prevent the customer from achieving the benchmarks needed to fulfill the requirements. First off, they do not have a local branch in my state, so everything must be done online or with phone call ( involving being on permahold ). The account was applied for on XX/XX/XXXX, but was not yet approved. After receiving an email in early XXXX that they would need more documents and information before my account would be fully functional. After completing all the extra documentation, I had to go through the process of adding an external bank account so that I could wire funds ( again, no local branch, can not go in person and just deposit money ). I have a transaction on my account that states I transferred XXXX on XX/XX/XXXX, which should be within the 30 day time frame they require. 
After waiting the appropriate 5+ months ( 60 days for the XXXX balance and waiting 90 days for promotion payout ) I reached out to Citi to ask about my promotion. They stated I would receive an email after they looked into the matter. I received an email on XX/XX/XXXX that I do not qualify for the promotion because I did not deposit XXXX within the 30 day time frame because they show that the transfer I did on XX/XX/XXXX did not clear in their system until XX/XX/XXXX. I don't think it is the customer 's fault that it takes 5 days for a transfer to clear their system. I tried very diligently to meet their requirements, but I believe that they make it difficult to do so, and use banking delays deliberately in their favor.
I RECENTLY RECEIVED A LETTER OF GARNISHMENT FROM MY EMPLOYER. I CALLED THE LAW OFFICE OF XXXX XXXX XXXX LAW FORM TO CONFIRM THIS WAS ACCURATE. 
THIS COURT NOTICE WAS ACTUALLY SENT TO THE WRONG ADDRESS AND DID NOT MAKE IT TO ME IN TIME TO SETTLE IT, SO NOW THEY ARE GARNISHING MY WAGES FOR 25 %. THIS IS RIDICULOUS. IF THE CONTACT INFORMATION WAS CORRECT INITIALLY THIS WOULD HAVE BEEN TAKEN CARE OF AND WOULD NOT HAVE GOT TO THIS LEVEL.
I have a dispute with a negative, item on my account that has been paid, it was originally delinquent XX/XX/2007 and because of that it has been over 7 years and should be removed from my account, the creditor and or the reporting agencies keep changing the date of delinquency, I have an old credit report showing the info and a new XXXX showing that it keeps changing. I have filed disputes but all I get out of it is the date delinquency getting newer and will take longer to be removed. I have included the XXXX reports from equifax but I have had the same treatment from all XXXX agencies.