WillisBack/dataset-financial-user-claim huggingface dataset:
Bank of America ( possibly other banks ) use antiquated timeframes for transactions to clear my checking account when using my debit card and/or routing number with bank checking account number as an electronic funds transfer/transaction forcing me to wait XXXX hours or as many as XXXX hours to show online and deducted from my available balance. This causes me to waste my own personal time, which is money, and my ability to enjoy my life, pay for items I need such as food, transportation and clothing. Think about it, before I can conduct a transaction the cashier or online website must contact the bank to verify I have the funds to complete a transaction in seconds. However Bank of America does n't have to show it online in my bank account for 1, 2, 3 or more days, possibly 5 business days ... how is this even legal in the digital age? If I am using an old fashioned method like a paper check maybe, but even then the casher runs my check through an electronic machine to verify I have the funds ... then why are n't banks like Bank of American required to show the amount verified and reduce that from my available balance immediately? We consumers need this and in this digital age we all know it is possible. For example, when I pay my XXXX cell phone bill it clears my Bank of America account almost immediately ( less than XXXX minutes online with my checking account ). Why do n't all my electronic transactions clear like this, there is no reason other than Bank of American holding out as long as possible to post the transaction to earn interest on millions of account holders or worse to cause us to forget we made that transaction so we have to go into overdraft and pay {$35.00} in overdraft fees, or even worse still up to {$100.00} in fees if there are insufficient funds and both Bank of America and the vendor I was trying to make a purchase charge me $ XXXX {$35.00} insufficient funds charges and still do not pay for the transaction! I need someone like the CFPB to make sure Bank of America makes all electronic transactions " electronic '' and in " real time '' like my XXXX online payments to clear and post within XXXX minutes not 1-3 days. This is costing me time and money, it is wrong in todays world. If my account can be verified for available funds in seconds then when that same transaction is completed that must appear as reduced from my account at that moment not 3-5 business days later.
My husband and I have lived in our house for 3 years and we asked Shellpoint Mortgage ( the current lien holder of our house to perform an appraisal, as we wanted to know how much equity we had in the house at current market value so that we can pay the difference to get it up to 20 % so that we no longer have to pay the PMI. The appraisal was done and we were charged XXXX The value of the appraisal was much lower than the amount on which the county was calculating our property taxes, so I asked for them to send me a copy of the appraisal so I could see where the discrepancy was. It took them nearly a month for us to receive this appraisal ( and I had to call several times to request it ). The appraisal finally came and my husband noticed that the square footage on the appraisal was XXXX, which was XXXX square feet lower than the XXXX that is on record with the county, which resulted in a valuation of our home that was {$10000.00} lower than it should have been ( assuming the same value/sq foot that the appraiser was using on the appraisal ). On XXXX XXXX, I called Shellpoint to request that the appraisal be corrected. Since then ( nearly 4 weeks ago ), I have been calling every few days to check on the status of the correction of the appraisal, and it seems things are not moving forward. They have had plenty of time to correct this straightforward error. Please help. Every month that passes that the appraisal is not corrected is costing us {$170.00} in PMI.
Call XXXX XXXX to inquire bout the notification requiring the inquires.The company direct me to call the credit bureau.Credit bureau states it was factual information.Its not.
While reviewing my XXXX credit report on Sunday, XX/XX/XXXX, I noted two items which do not belong to me and which I think may be related. 

1 ) There is a home address listed that does not belong to me because have never lived in the XXXX. Please remove this misinformation from my credit reports. The incorrect listing is : XXXX XXXX Former Address XXXX XXXX XXXX XXXX NEW YORK XXXX 2 ) There is a credit debt listed by a company with a {$830.00} debt listed I do not recognize but has the same address of one I do. Please remove this misinformation from my credit reports. 

The unknown credit card company and balance is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ N/A Charge $ USD XXXX XX/XX/XXXX The known and acknowledged card company is called XXXX  for a debt of {$810.00}. I paid that debt in full in XX/XX/XXXX. Its listing ( twice for some unknown reason ) is : XXXX XXXX XXXX XXXX XXXX, NJ N/A N/A USD XXXX XX/XX/XXXX A third error is with Capital One. After I paid my account in full, the bank closed my account and reported a derogatory comment. I have a XXXX balance and will never, ever do business with Capital One for its treatment of me both when I had my car financed by it ( which I subsequently refinanced at another financial institution prior to this transaction and since also paid in full ) as well as this credit card listed below. The error is that I owe it money which I DO NOT! 
CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX, UT N/A Account closed by credit grantor $ USD XXXX XX/XX/XXXX I would appreciate these errors being removed from my credit histories. If you have questions, feel free to call me at XXXX. Thank you, XXXX XXXX XXXX XXXX
Hi, I have has many issues with Citi advantage credit cards. I tried using it for the first week I received the card and it was accepted. A few days after I tried again and was denied. I called and was told they couldn't verify my information. I paid the balance off and I have tried to cancel the cars multiple times and without luck. The same response is given every time I call to cancel the card ; they can't verify my information and they can't cancel my card. For whatever reason, my number can't be verified on their end. Please help me with this issue so I don't continue to pay interest to a card I can't use.
OCWEN LOAN SERVICING, LLC a Florida corporation XXXXXXXX XXXX   XXXX XXXX XXXX a Delaware limited liability Company XXXX XXXX XXXX ATTORNEY The above people are attempting an illegal foreclosure on my home, they used a a well organized plan to be avoid Civil Foreclosure suit use XXXX Deed of Trust assignment which has been rendered Void by various Courts to apply for Letters of Administration in XXXX Probate Court. Ocwen and Dependent Administrator filed eviction and Ocwen had XXXX failed attempts at house seizures and lockdown my house, I have XXXX little children. XXXX XXXX, ( XXXX no. XXXX and XXXX XXXX. XXXX ). XXXX XXXX XXXX XXXX XXXX case XXXX was heard on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX is on appeal. to be heard on XX/XX/XXXX. BACKGROUND ON FRAUD XXXX XXXX CANCELLED. XXXX & Ocwen did could not foreclosure in XXXX yrs because the original loan documents were presumed lost, we challenged them on history payments for yrs, but suddenly Monday they fabricated payments. 
( we never applied for the loan, never received loan docs. XXXX canceled XX/XX/XXXX the loan ). no payments were made, no delinquent notice, no default notice filed or no foreclosure filed. Ocwen LLC tries to collect on canceled loan void Deed of Trust Assignment via probate. We sent letter to the Courts stating their Assignment is Void. Ocwen is illegally seizing our home at XXXX XXXX XXXX XXXX Texas XXXX where I have lived since XXXX. My parents left a Will and the home already has been transferred to me. 
I believe as well as other legal authorities that Ocwen letters of Administration is defective because Ocwen used the known Void Deed Of Trust to obtain rights. The law is clear, it fraudulent. 
There is overwhelming proof that the application for Letters of Administration was made with the knowledge that the Deed of Trust it used was void. 
( Citing 12.002 ( a ) ( 1 ). ( Id. ) Section 12.002 ( a ) of the TEX. CIV. PRAC. & REM.  CODE, and Courts have agreed that fraudulent assignment does not claim on title, the forged Deed of Trust is Void. 
a Under Texas law, XXXX Bank XXXX XXXX XXXX assignment is fraudulent as defined by Section Code 51.901 ( 11 ) ( c ) Violation of Texas Government Code. ( 11 ) The Mortgage assignment was recorded and filed in XXXX XXXX, Texas, the county clerk. ( c ) The court 's finding may be made solely on a review of the documentation or instrument attached to the motion and without hearing any testimonial evidence. 

XXXX Bank XXXX XXXX XXXX XXXX has been rendered fraudulent-void Courts and Texas Courts.
I have been having trouble issuing any payment to my debt. Every time I have tried to pay off my loan, my payments keep getting reversed. Now, I found out that I was reported delinquent with 120 days  late.This is  completely absurd considering the fact that I have been trying to send payments since last  XXXX . Today, I tried to send another payment and was told  by Navient 's customer service to wait another 2-3 days   to see if it will be processed. My checking account has plenty of funds to pay off those bills so that would n't be a valid reason for why payments are getting reversed. I am contacting you because this issue has gotten out of hands and escalated with the delinquency notice. I have attached a screenshot of the payment history to help you further understand this issue.
On XX/XX/XXXX, I had called in to customer service because we had issue trying to make our XX/XX/XXXX payment online. After speaking with an agent, she informed us that it was due to us being approved the loan modification program, which would lower our payments. During the conversation, I was informed that we did need to make a payment until our XX/XX/XXXX payment was due, on XX/XX/XXXX. When XX/XX/XXXX rolled around we noticed that our XX/XX/XXXX payment we into a past due status and I contact the company again to resolve this. At that time I was informed that the call would have to be reviewed, and the agent did see the notes clearly on our account that stated we were informed no payment was due until XX/XX/XXXX. He even mentioned it would take about a week to review and to call back. A week later I called back and was informed it was still being review, and to call back. I gave it a few more weeks and called back the end of XX/XX/XXXX to make our XX/XX/XXXX payment over the phone, and scheduled it for XX/XX/XXXX. At that time, the agent after asking about the status mentioned that it was still being reviewed, and proceeded to inform me that it would be updated on our credit that Franklin is working with us. That is incorrect, because I pulled my credit report this month as a result of the Breech, and we are still showing
30 and 60 days past due, for XX/XX/XXXX and XX/XX/XXXX. We in good faith, did exactly what we had been advised by the rep in XX/XX/XXXX and made no payments until XX/XX/XXXX. We have even during this period of time left message on the online messaging system to seek a resolution, which all 3 have been clo
sed with no outcome or response from Franklin American. The first inquiry online was on the old system and got purged, on the consumer side, when the new website went live, the other 2 have been closed. One indicating we need to verify who we were, which we did when we signed into the account. The second request on the new system was again an attempt to resolve, and was closed with no comments on outcome.
BANK OF AMERICA is a horrible company. They closed my account without my permission. I have complained to BANK OF AMERICA and it 's agents over and over again about closing down an account that should have been closed down. I was hit with over draft fees because I did n't put money in the account. I did n't put money in the account because it should have never been opened up in the fist place. Now they have forced closed my accounts that should be open and kept open the one that should have been closed!
On XX/XX/XXXX I attempted to transfer money from my Wells Fargo account to my Father 's XXXX XXXX account via XXXX. I had previously received a transfer from my sister via XXXX and had no problems. I entered my fathers name and cell phone number into the system and transferred {$870.00} to him to be done immediately. A confirmation number of the transfer was sent to my fathers phone number from XXXX   XXXX XXXX. My father not having the funds in his account contacted me to follow up. I contacted Wells Fargo and reported the funds were not received by my father at XXXX XXXX and that he received a notice from XXXX XXXX XXXX confirming the transfer. Wells Fargo said they would investigate. My father received a phone call on his cellphone in the next couple of days from XXXX  XXXX XXXX indicating that there was fraudulent activity on the account. When he contacted XXXX  XXXX XXXX they told him that they could not discuss the matter with him as he had no account there. Wells Fargo sent me a letter about 2 weeks later stating that they had completed the transfer as asked and disclaimed all responsibility in the transaction. In fact the person who I talked to on the phone after receiving the letter indicated that " I had to learn the hard way on how to deal with XXXX. Wells Fargo claimed that the name on the XXXX XXXX XXXX account and the cellphone matched so they were absolved of any responsibility. Apparently there is no verification of the name on the account by XXXX upon transfers. XXXX XXXX XXXX refuses to confirm the identity of the individual whose account the funds were transferred into as well. Meanwhile I am stuck out {$870.00} for transferring funds to my father whose cellphone was on him and has received all the confirmations of the transfer as some random party was given the funds.
I emailed CheckCity on XX/XX/XXXX because the website would not accept my correct payday, but it had my withdrawal date a few days before I got paid. The customer service rep fixed the problem in their records to be withdrawn on XXXXXX/XX/XXXX, though if did n't show up on the website. They assured me about twice not to worry. <P/>I looked this morning, XX/XX/XXXX, and my bank account showed a negative balance of {$350.00} ( because I had a previous negative balance of {$58.00} until I got paid on XX/XX/XXXX). I had just perfectly figured out my finances for XX/XX/XXXX, so I was extremely upset when I saw this. This money was not supposed to be withdrawn until XX/XX/XXXX. I emailed to demand they fix this error and am awaiting a reply. <P/>I will never use CheckCity again!
Weve had numerous issues with USBank on this loan modification. 

Most recently, USBank has refused to take additional income into consideration, even though both sources of additional income live in the home and contribute financially on a monthly basis. 

We have sent them this documentation on XX/XX/18 and XX/XX/18. On XX/XX/18 USBank denied the loan modification request. They claimed they had taken all provided income into account in the loan modification review THIS IS A LIE USBank did not take ANY additional income into consideration for this loan mod review. The net proceeds of XXXX and his wife is {$4400.00}. US Bank LIED to us on a recorded line, said that the wifes income was included but that they only made {$3100.00} ( see attached pay stubs. ) We were also dissuaded from filing an appeal with the person calling us telling us that only one appeal or complaint could be filed on a loan EVER. Once again. This is a BOLD FACED LIE and the true mark of an organization that has targeted minorities for foreclosure. We believe that the reason for telling us not to file an appeal was so that there would be no record in the file should this file be audited in the future. 

US Banks track record on this file is less than stellar. This file was started as a loan mod and someone at US Bank didnt think that a XXXX borrower was worthy enough to complete a loan mod review on the file and decided to move it into short sale on their own. Once moved back to loan mod there has been one delay after another. 

Now, we expect US Bank to deny everything on this. It is what you do. But for an added bonus we will also be submitting this complaint to Californias Attorney General. I really am sick and tired of every file we have with your company ends with US Bank attempting to commit a servicing violation or outright fraud. 

I want the loan modification to be reviewed with ALL of the income that was sent to USBank.
This is an account I have no knowledge of opening and belongs to someone else with same name. I am not aware of any balances that I owe with that company.
I owe debt but not to these companies, They scammed me into taking my account number and routing number for payment. They owe me money. 

XXXX  XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX
I asked Equifax, XXXX and XXXX to investigate the reporting of a bankruptcy and to provide proof it was 100 % accurate, verifiable and complete. I also asked them to provide proof that its reporting correctly from the Court House and not a third party and delete if anything is incorrect.

1. I did not receive a corrected copy of my credit report.

2. I did not receive proof that it was reporting 100 % accurate, verifiable and complete.

3. I did not receive proof that the information reported came DIRECTLY from the Court House an not a third party.

4. The unverifiable information has NOT been deleted.

Three letters ... 3! How are they allowed to report information without validation? How are they allowed to ignore the law? How are they allowed to ignore me as a consumer?

The continued reporting breaks the law. I want this information DELETED.
I disputed a charge on my XXXX by calling the bank. At the end of the call they told me to follow up with a written letter which I did within the required timeframe. I followed up with a second written letter to the bank when no action was taken on my claim. Now the bank tells me they can not help me with the dispute as I never followed up with a written notice. I sent the bank copies of my written correspondence regarding the claim, but they still failed to help me. Thank you.
Synchrony Bank - Lowes Credit Card The company does not any longer provide an online statement unless you agree to electronic billing. That 's probably legal. 

The company does not provide a statement of " balance due to avoid interest charges on your next statement '' ( XXXX XXXX does ). They 've argued that is legal and they 're not obligated to provide that information directly. Consumers can calculate the amount by subtracting promotional balances. 

Today I 've been on chat support with Lowes/Synchrony to pay my bill correctly, and so far XXXX agents can not explain what happens when I send in a payment regarding how the payment is applied to promotional balances. Oldest balance first? dunno. Allocated proportionately? dunno. 

The answer offered by each is that it is 'automatic ' and 'by the system '. 
It 's probably disclosed somewhere - but why would n't a full time company representative know this? 

What I was trying to understand is that I had actually zero current activity but there are XXXX separate zero interest promotional balances incurred at different times. Today I was making a payment. My past payments reduced the balance of all promotional purchases but not the oldest first. No one can explain the logic. 

The agents say that they can not explain the allocation but, to their credit for doing their best within their authority, that consumers have to call or chat each month if the consumer wants the payment applied to the oldest balance or in any particular way. 

Could the company comment, is this information correct? 

Why ca n't anyone just explain the payment policy? ... is it too complicated?
I have contacted all three credit reporting companies, because I received a letter from XXXX XXXX XXXX ( who claimed to have bought a debt relating to me from a third party ). I have continuously stated that this debt is not mine both to XXXX and to the credit reporting agencies. XXXX 's letter notified me that the statute of limitation HAS EXPIRED, and they will contact the credit agencies to remove this debt from my credit report. However, the debt still remains on my report although the statute of limitation has expired. This debt was never mine to begin with, and I even went to court, and it was disposed of by the judge over 3-4 years ago because XXXX 's attorneys could n't offer any proof. 

If you take a look at my supporting documents ( my letter to the credit agency and XXXX 's letter to me - attached ), it is officially from XXXX ; however, the credit agencies " claim '' that when they contacted XXXX, that they were told that this debt is mine -- obviously because XXXX wants money, and rather than the credit agencies doing their jobs, in terms of accuracy, they are failing to do so and being ignorant of my side of the story. 

This debt is not mine, and the credit agencies need to read the official letter sent to me by XXXX. This is harassment on the part of XXXX if they are indeed stating this debt is accurate, when their own letter states that the statute of limitation has expired and even went further to state that they will contact the credit agencies to remove. 

Please assist in getting this " inaccurate '' and " expired SOL '' information from XXXX off my credit report. 

Many thanks, XXXX
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Clarity services inc XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX all these account inquiries are not accounts of mine and I don't recognize them did not authorize them
On XX/XX/2018, I applied for an auto loan at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, IL, XXXX. Ally Bank was one of the inquiries and instead of using one or two of the three major credit bureaus, they used a company called XXXX , XXXX. I was unaware of this company and this when I received the letter of rejection, I saw the decision was based on information provided to them by both XXXX  and XXXX. As previously mentioned, I had no idea who/what this company is/does, but score my was almost 200 points lower than it really is. I don't want my information being shared with and by them and would like to prevent this from happening again. Thank you.
XXXX XXXX AND EXPERIEN I DONT OWE THE DEBTS THAT IS ON THERE IS INACAURATE I DONT OWE CHILD SUPPORT THERE CLOSED ACCOUNTS I PAID OFF ON ALL THREE BUREAU PLUS I AM CLEAR OF XXXX XXXX AND ITS SOME FRAUD ITEMS ON MY CREDIT AS WELL SO THE INFORMATION THEY GOT IS ALL FALSE PLEASE REMOVE ALL THE NAGATIVE ITEMS OFF ALL THREE CREDIT REPORTSO I CAN BE FREE OF THESE FALSE DEBTS. THANK YOU!
Received a letter at my home, from Quality Loan Service Corporation dated XXXX/XXXX/2015, with the heading " Debt Validation Notice ". The pertinent sentences state, " The total amount of the debt currently owed is {$230.00}, XXXX. ", and " The current creditor to whom the debt/loan is owed is XXXX XXXX, XXXX. " I went today to the website of XXXX XXXX, and used the Look Up tool. The XXXX XXXX website states that XXXX XXXX owns my loan. This website also states that my loan ' s Note date is XXXX XXXX. 
Obviously, Quality Loan Service ' s statement is false - as to whom the current creditor is. 
I contest XXXX XXXX 's standing in any foreclosure proceedings, as it is not the owner of my loan. 
I contest Quality Loan Service 's standing as Foreclosure Trustee, in view of the false statement it made re whom owned my loan.
A collections showed up on my credit report from Midwest Recovery Systems. It says it's for a pay day loan. I have no information on this. I have no idea what it is. I don't owe for a payday loan from " XXXX XXXX XXXX ''. I have disputed it on my credit report, but I don't know how to reach this company.