WillisBack/dataset-financial-user-claim huggingface dataset:
I opened a non-resident transaction/checking banking account at Capital One Bank in 2014. 
Recently, when i wanted to transfer money out of that account ( via internet banking ) I discovered that i could not. I contacted the bank about it, via secure message, and they told me that their " system '' does not allow an account without a SS number behind it to do outward transfers! 
Well perhaps they should have been upfront about that when i opened the account as a non-resident who by definitiion then does not have a social security number! 

So currently my money is permanently stranded in my Capital One Account. 

When i opened the account i explained that i would be operating the account mainly via internet banking and that i would need to be able to do transfers to external US accounts etc from time to time and was told that it would be no problem at all. 

It would be quite easy to get around this system obstacle, but so far I have had no help from the bank staff responding to my messages. If their system is really so inflexible ( and archaic ) that it is absolutely dependant on a SS number in order to operate and do the most basic of banking functions ( like transfer money out ) then XXXX solution would be to add a dummy SS number to my account profile to bypass this system anomoly which can only be described as a major system bug! 
A SS number is simply XXXX way of uniquely identifying an individual and is by no means the only way! In my case my passport number would be a perfectly legitimate and unique way of identifying myself to the system, and there is a myriad of other solutions which could possibly be used as well. 
All it would require is a willingness to help me as a client in order to overcome a problem created by the bank itself, but unforunately so far no such willingness has been forthcoming.
XXXX XXXX sent me to collections for a debt I do know owe nor have knowledge of. I 've asked for info from the collection agency and they refuse to tell me anything saying privacy reasons. I can not dispute it without proper information.
FedLoan Servicing made an error during my loan transfer, resulting in XXXX of my loans being left out of the IBR process. The company did not inform me of this error until after debiting a higher amount for my monthly payment. When contacted about the error, there was no follow up or resolution, with the company decided to put in a retroactive administrative forbearance instead of processing a refund as originally stated. The company then continued to have autodebit process my next month payment, instead of the lower amount that was presently due. I was told they could not cancel the autodebit without 3 days prior notice. I was not informed of the incorrect debit amount until receiving a letter prior to a three day holiday weekend, during which time no request could possibly have been made. When contacted on the next available business day, I was informed that a note to call me was in the file, but that no one ever called.
Bank of America is reporting the mortgage as an individual account. The account is joint with my ex husband, I am not a veteran. He received the house in the divorce and is not making the payments. It appears that the house is only in my name and I am not a veteran, so there is no way I can get a VA loan. I have disputed this and Bank of America will not listen. This is not on my ex credit at all. This has stopped from being able to get anything because no one believes anyone else is on the account. Bank of America is breaking reporting laws and I'm requesting this is deleted from my credit report. My ex has filed bankruptcy so my mortgage company says this other mortgage should not be reported at all. So they don't report the house I live in and pay the payments on time. So this one that shows only in my name not being paid on time looks doubly bad.
I feel that I have been making monthly payments and my principal has just been increasing exponentially even though I am making interest payments and they have confirmed some goes to principal. I stopped making payments about XXXX months ago because they automatically kicked me out of a low-income program and said I have to reapply. How am I supposed to save and apply for a home one day if my loans keep growing ... XXXX of them went from XXXX to XXXX. I need help please.
I took out a loan from Cash Call XXXX 2014 for {$1000.00} with monthly payments of {$190.00} a month. I lost my job in XXXX of 2014 and continued to make the payment. I called them to make arrangements in XXXX of this year. Because of my unemployment I told them I was unable to make the payment. They would call me about XXXX different times from numbers from PA, OH, IN, CA, TX and NC. All of the calls were less than an hour apart and sometimes back to back. Even when I speak with them, they would call me back hours after to continue the harassment. It is very stressful and causing so many issues in my life. I have advised them that this is harassment and they can not legally do that. If I missed the payment, they would debit my account with XXXX day notification and refuse to stop it causing me to go in further financial hardship. I told them my account is going to be closing and they debited my account again thus keeping my account open until fees are satisfied. They refuse to stop debiting the bank account for over 3 months and every month is the same thing. I being abused by the reps on the line and bullied by them.
The credit reporting agency called Experian suggested in their letter to me dated XX/XX/2018 ( report # XXXX ) that I write to you about their decision to materially lower my credit rating. 
Their decision was based on me missing a $ XXXX monthly lease payment on a car I had just acquired. That was a simple mistake due to the car dealership erroneously informing me that my monthly payment had been paid with the initial deposit that I made on the car. As soon as I was informed that this was not the case, I paid the outstanding {$79.00} to keep my account with XXXX XXXX up to date. Nonetheless, Experian decided to maintain their downgrade of my credit rating. 
This behavior by Experian is non-sensical and wrong. I hope that you will use your enforcement authority prevent such behavior from penalizing consumers in the future and restrict Experian from acting in this way. 
Please do not hesitate to contact me should you have any further questions or comments in this regard.
i received a SETTLEMENT OFFER FROM CONVERGENT OUTSCOUCING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FOR XXXX XXXX CONVERGENT ACCOUNT XXXX AMOUNT XXXX OFFERING SETTLEMENT XXXX SPOKE WITH REP WHEN I ASKED FOR WHAT ADDRESS THEY ARE SHOWING SHE STATED ADDRESS OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I EXPLAINED TO REP I FILED AN IDENTITY THEFT AFFIDAVIT AND A POLICE REPORT WIHT XXXX POLICE XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX ON XXXX THE REP AT COLLECTION AGENCY SAID SHE WAS SENDING ME A FRAUD ALERT PACKET I ALSO CONTACT XXXX ANS XXXX THEY DONT SEE THIS ANYWHERE ON MY CREDIT REPORT
On M & T Bank 's official website, it was offering a {$150.00} bonus when you open a MyChoice Checking account by XXXX XXXX, 2015. Since this is a public offer so there is no mailer required to open an account. I opened my account on XXXX,2015 and also set up the direct deposit with amount of {$100.00} to satisfy this bonus requirement. I sent a message to M & T bank online customer service to check my bonus status on XXXX XXXX, 2015. M & T bank 's CS confirmed that I am qualified for the bonus and all I need to do is wait for 90 days after the initial direct deposit which was XXXX,2015. 

I waited to XXXX XXXX, 2015 and I did not see any bonus on my account. Therefore, I messaged M & T bank CS again. To my surprise, the CS declined my request by saying I am not qualified and I need to have a mailer with the bonus to bring to a branch to verify my status. M & T bank always puts up this type of promotion on its official website and no mailer is required to open on account online. For example, if you go to XXXX, you can see the current promotion they are running. NO mailer is required. 

I strongly believe the customer service from M & T bank was lying to its customer and tried to avoid fulfilling the promise they made to award the bonus. I have attached the confirmation message sent from M & T confirming that I am qualified for the ongoing bonus.
Navient cheated me out of my rights to lower payments by deceiving me and not giving me the best interest rates and payment plans. Navient has not given me a fair chance to pay back my student loans. At every stage of repayment, Navient chose to shortcut and deceive me to save on operating costs. Navient failed to correctly apply payments to my accounts ; steered me into paying more than I had to ; and hurt my credit by misreporting to the credit-reporting agencies the status of my loans.
Charge was through recurring ACH charge for phone bill. I called and terminated the service over the phone. Company continued to charge, I called repeatedly to terminate the charge, charge was finally terminate 3 months after the original call but I am being charged for 3 months after I originally terminated the service.
CFPB Complaint - XXXX - XXXX XXXX- XXXX XXXX XXXX XXXX , OHio XXXX I have applied with several companies looking for work in the field of XXXX XXXX. I would have great interview but after I signed paperwork for a back ground check I would never hear from the company. I sent a letter to XXXX to get a copy of what they had in my file and I was sent a letter regarding a speeding ticket. I called XXXX and spoke to XXXX to confirm this was what they had and it was confirmed. My not being able to get a job went on for months and it made no sense because of my education. In XXXX, I applied with XXXX and they were not going to hire me because XXXX sent them a report saying I had an eviction. When you work in the field of XXXX XXXX you can not have an eviction. Companies will not rent to people with evictions and they do not want to Hire an employee with evictions. 
I begged this companies patience because I knew I had no eviction. I called XXXX and they realized their mistake and did send XXXX a corrected report and I was able to get that job. I sent XXXX a letter asking them to send corrected reports to all of the employers they sent this erroneous information to and a copy to me for my records and I was told by them, I would have to call all of the potential employer that denied me employment myself. And they never sent me a copy of the corrected report for my personal records. This erroneous eviction against me caused me a great financial hardship and a lot of mental stress. I almost lost my home, bills fell behind it was a mess for me. This erroneous eviction had been on record with XXXX since XX/XX/XXXX. I made contact with this company several times to confirm they had only a speeding ticket and NOTHING was every said or mailed to me about this eviction. The eviction Was NOT mine but it cost me months of not being able to get a job. I had to eat from food XXXX, pawn family heirlooms to be able to keep my utilities on, and my property taxes are still behind. I had to sign two separate contracts with XXXX County Auditors Office to keep my home from being sold for taxes and I am still owe {$800.00} on my property taxes. If I had a mortgage on my home I would be homeless. Had it not been for XXXX providing me a copy of what XXXX sent them I STILL WOULD NOT KNOW WHY I COULD NOT GET A JOB. I have received three letter concerning information being released : XXXX XXXX, I did not get that job, XX/XX/XXXX, I did not get that job. XX/XX/XXXX was the last letter I received. I was turned down for some awesome jobs I really wanted with fantastic companies due to the erroneous eviction and now XXXX can send me a corrected report or let me know what companies they sent the corrected report to and the dates. I
XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX ( XXXX XXXX XXXX, XXXX XXXX, TX XXXX and XXXX XXXX XXXX XXXX, TX XXXX ) sent a first letter on XXXX XXXX, 2017 stating that a member of our household owed money for a return check and a returned check fee. {$14.00} to XXXX XXXX XXXX and {$25.00} Fee totaling {$39.00}. 

Reference # XXXX This was check # XXXX routing # XXXX with a non-valid checking account number. No one in our household has ever opened an account with XXXX XXXX XXXX. 

We asked XXXX XXXX XXXX to marked this as fraudulent and not to harass us again. They gave us a file claim # XXXX and said they would not contact us again. XXXX  has since sent two more letters stating they need our social security number and driver 's license number. And that we still owe {$39.00}. 

This is a SCAM and fraud and we need to protect our credit score/history.
My mortgage is with Ocwen Financial Services. After making payment arrangements they continue to call my approximately 15 to 20 times a month, up to 4 to 5 times a day. My mortgage is not in arrears. I have requested that they do not contact me by phone several times to no avail.
Chase charged off my account with them in XXXX. I have received numerous collection letters from different collection agencies since then. The have reported the account 90 days past due each and every month even after they charged if off continuing to hurt my credit. I paid the account in full XXXX. They say it was an accurate account history of 90 days late each month although they sold the account to a collections agency and it was charged off.
I received a call from ( XXXX ) XXXX, I did n't answer but did call back. They stated they were Citi card and asked for my card number or social security number, I did not give them the information because I had a feeling it was a scam. I called Citi from the number on my card and they said that was not any of there phone numbers. I 'm reporting this because these people are probably stealing identities or money from unsuspecting customers of Citibank.
Bank of America filed a fraudulent lien during financing of XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX VA XXXX. Double liens were filed, and when alerted about it, Bank of America is not taking any action to correct the lien status
In the XX/XX/XXXX my husband lost his job and well fell behind in making payments on an installment loan with Springleaf Financial. A judgment was filed for the loan. I was able to get caught up on the loan and paid it off early in the XX/XX/XXXX. I have been requesting since then that the manager and now corporate submit an update to XXXX County to reflect that the judgment has been satisfied for 3 years. To date no action has been taken to correct the situation.
On XX/XX/2017 I received a notification from Bank of America that Online Bill Pay check of XXXX was nonsuficient from XX/XX/2017. I contacted them to findout why the payment was returned, when it was presented at XXXX and I did n't receive a notice that my account had fallen below the balance and deposit was needed until XXXX am on XX/XX/2017. I contacted their Online Bill Pay and was advised the check would be returned, I explained although I could draft another payment, being that I have payroll deposit coming into my account on Friday instead of me drafting another check, if they could just pay the payment, the representative advised me being that I have the direct deposit coming thru they could do a force payment, but their unable complete the force payment on XX/XX/2017, because it was XXXX and the department who handles this process was closed and to call Bank of America on Monday at XXXX and they can do the force the payment through. The representative explained the payment would be returned but to contact the Merchant and advise them to place the payment back thru my account, because the payment would be forced thru I instructed the representative to please notate my account, so when I contact them everything will already be explained and was advised my account would be notated. 

I contacted Bill Pay at XXXX on Monday XX/XX/2017 and the first person attempted to transfer me to Online Banking and the call was dropped. I called back and the call was dropped again. I then spoke with another person when then transferred me Online Banking and spoke with a indivual by the name of XXXX who claimed that was unable to access notes left by Bill Pay and it was obvious he did n't know how to handle the call. He then transferred me to Payment Processing Department called XXXX 5 and the female said they do n't speak directly with customers only Bank of America associates and said she could transfer me back to customer service, but instead transferred me to a fast busy. I then called back and spoke with another representative, who then advised me the check posted on XX/XX/2017 and continued to assure me the payment had posted, until I bascially demanded he verify this was correct information after checking, he came back on the line and explained the check was returned and reached out to this XXXX 5 group to see if the payment could be paid and he came back with the response it was being returned. I then was transferred back to Online Bill Pay, whom I made aware I was making a complaint, kept placing me on holds and she claimed she attempted to contact this XXXX 5, who gave her the same response the payment was being returned. This is just horrible customer service, their representatives do n't know the correct process and procedures and they should have honor the payment being forced as advised by their company representatives on XX/XX/2017. Bank of America is horrible on all levels, when their not masking debit card transactions and posting them at later dates so that consumers will be billed overdraft fees, their providing inaccurate information and not honoring what was quoted.
Capital One supports counterfeit products. I bought Game of Thrones 1-6 from XXXX on XX/XX/2016. I had seasons 1 & 2, but could n't buy 3-6. The seller took 10 days to ship and answered only my first inquiry that he was sure they had been shipped. They were shipped XX/XX/XXXX, received XX/XX/XXXX. I believe the delay kept a bad review from being posted before he could sell dozens more of the fakes. The discs would not play. They froze up after the warning and disclaimer screens. When they did play, they were glitchy, jumped around and lost audio. Counterfeit. The XXXX site has a page about Counterfeit DVDs : http : XXXX I downloaded the XXXX and tested the DVDs. No question ; not genuine. 
XXXX wanted me to return the DVDs, but they seller failed to send a pre-paid return label and failed to answer 2 more inquiries from me. 
When the date for return expired, I filed a dispute with Capital One. " What 's in your wallet? '' Capital One called me a liar and said I must get an opinion from a professional third party on their letterhead confirming that the DVDs are counterfeit. I had supplied them with the XXXX tests I did on my original 1 & 2 ( genuine ) compared to the eBay DVDs. 
So ... DO NOT believe you have protection. This is why so many people hate banks and I 'm not just talkin ' about XXXX
please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles, I have been sending letters to the credit bureaus but they did not reverse the late payments up to now..Please CFPB amp up and fix the account XXXX XXXX XXXX XXXX
I was part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit Reporting Agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking the time to read my complaint.
I never get bill from hospital after my XXXX in XXXX, because they record my address incorrectly. 
Then in XXXX I started to receive calls from Remex Collection. 
They were very abusive, rude and called me every other day. 
I asked them to provide me with the copy of the bill but they refused it. 
I called to the hospital to get bill and finally got it. 
So I called to Remex to arrange a payment plan, but they disagreed and were really rude again.
My mortgage with Wells Fargo mortgage was close to foreclosure. In order to get current I mailed a cashier 's check for the total past due amount plus fees. The check was credited to my account then reversed. When I contacted Wells Fargo I was told there was a problem with the check. In order for the bank that issued the cashier 's check ( XXXX XXXX ) to refund my money I need either the check or a statement from Wells Fargo on the problems with the check. I have submitted requested documents to XXXX different departments at Wells Fargo ( Research dept. & Cash dept. ) with no response. I have made several phone calls and never get a satisfactory response.
I have previously written one of the collections departments and furnished a letter advising XXXX XXXX I am the victim of fraud on or around the date of XX/XX/XXXX. The dates of the even are not 100 percent seeing I was not there and had no knowledge of it for almost a year.The dealership did give me a copy of the loan application. On that documentation it is obvious that the same person signed all signature lines. The name is misspelled the same way on every line and is the same handwriting for all the signature lines.It is obvious that I did not sign this loan. I have sent a letter to XXXX XXXX with copy of my signature and a loan I obtained from the same dealership 3 months prior. Which is how they could have had access to some of my information or my ex husband furnished it seeing we were in the process of separating when this occurred. I have advised XXXX XXXX of this also. The fax transmission date to the finance company is XX/XX/XXXX. It was in XX/XX/XXXX that i pulled my credit and found a loan with XXXX XXXX XXXX. I called the company advised that I had no knowledge of this loan and was fraud. I advised that I would like documentation and information that they have or original loan package. Even with this being identity theft I am still privileged to that information. I have had no assistance from this company in obtaining any loan documents or any information they have used to make a decision to not remove the file from my credit or fund the loan. Since I have no documentation on this loan it is making it harder to fight and obtain counsel to assist with damages if it is not removed off of my credit after this final attempt.
These are errors:Addresses:XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NV XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXXTelephone numbers:XXXX XXXX XXXX
Collection agency is harassing me over the phone. They call repeatedly, and can provide no information about the debt. They just want my personally identifiable information. The same information that can be used for identify theft. Please make them stop calling my phone.
Unfair business from creditor. 
I had an Old Navy Credit Card since XXXX. I have never looked at my balance. I just paid online every month. In XXXX, I reviewed the statement on line and there was an item of {$19.00} and {$8.00} which I am sure this item was not mine. I went back to all the statements in XXXX and XXXX, Old Navy has been billed me the same amount every month. I have contacted Old Navy in XXXX XXXX but I got direct to the machine system. Then I sent a letter in XXXX. Old Navy promised to refund me the money that they have mistaken billed me since XXXX. Again, same item shows on my XXXX statement but under different name. The statements of XXXX and XXXX showed the transaction under XXXX but the statement of XXXX XXXX shows Miscellaneous Adjustment three time with the amount {$19.00} and {$8.00}. 
I am seeking your help to solve this problem. I have been contacted Old Navy Creditor many times since XXXX and seems like they did not want to solve this problem. 
Old Navy have treated me unfairly. 
I appreciated your attention with my matter. 
Sincerely, XXXX XXXX