WillisBack/dataset-financial-user-claim huggingface dataset:
Note : This Complaint was also filed through the Federal Reserve Form. They claim it will be forwarded to you. 

I have attached copy of a Check that a 6-8 week hold was arbitrarily placed on, claiming internal policy. 

Persists in placing 6-8 week hold on a Home Equity Line of Credit without clear cause and appears to be extremely arbitrary and contradicts Regulation CC in several ways. Refuses to Disclose Policy on Home Equity Line of Credit Checks, claiming they are convenience checks-not true. My Name, address, Routing #, Account #, and the name of the institution, ( XXXX ), clearly on the check. Also, Manager claims convenience checks immediately go into collections. No minimum timely release of funds as required by the Regs according to my interpretation. In reading Wells Fargo Policy in this area, it pretty much aligns with the Regulations, just not in implementation. 
Depending on whom you ask within Wells Fargo determines the many contradictory responses you received. ( Customer Service, Manager, District Manager, and now waiting on Executive Services for their take on this issue as they too were confused. 

From Reg CC ; ( 2 ) Basis for determination ; " No determination under this subsection may be based on any class of checks or persons. ''
I 've contacted   XXXX   XXXX   XXXX   for 3 months prior to a previous certified letter I 've sent out a month ago pertaining to a fraudulent account on my credit report by the name of   XXXX   XXXX   XXXX   and TransUnion have failed to assist me with this situation and have caused a great deal of problems to me and my life. Both companies are failing to respond to my letter and have n't sent me anything to show me that they took the proper steps to verify any documents or signatures pertaining to myself. This is an error and it is fraudulent which breaks many laws in the FCRA. I was never contacted at any time when these accounts was open so I do n't know why they continued to report and verify an account that is n't mine. I received several thereatning calls from the creditor and I do n't think thats professional and I do n't want this company to contact me anymore by phone or email.
I logged into my XXXX XXXX. And its been forever. And i see there is chase bank credit card in my name saying its paid. I never had no chase. ACCOUNT no card nothing i want to put a freeze on my credit. I feel they are still using my credit line!!! Please contact me
I opened an account with XXXXXXXX XXXX ( XXXX XXXX ) in XX/XX/XXXX. However, I never received a bill and unfortunately forgot about the account until I discovered it on my credit report in XX/XX/XXXX. On XX/XX/XXXX I contacted XXXX XXXX and explained the problem. They accepted payment for {$350.00} which was the original amount plus interest ( waived the late fees ) and told me that he account would be reported as closed and paid. My next credit report showed that I was still in " charge-off '' status in the amount of {$610.00} ( full amount plus interest plus late fees ) AND I now had an additional current balance of {$250.00} ( amount of the late fees ). I asked for a letter stating that the account was paid and closed. I will attach the letter they sent me. I have been unable to remove the " charge-off '' status or the " current '' balance of {$250.00}. The original charge was {$280.00}.
The interest rate is 24 % with monthly payment at {$470.00}. When payment is made, little amount is applied to the principal. So, I need to fix the issue. For example this month out of the {$470.00} amount paid, just {$51.00} was applied to principal. I believe I am been chat on this loan by the lender.
My account ending XXXX ( settled with XXXX- BOA agent ) and account should show XXXX balance and close status should be CLOSED and not charged off since it is paid/settled. XXXX settlement letter is attached here with .... 

XXXX XXXX XXXX XXXX XXXX Office Hours ( Eastern Time ) : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX  XXXX XXXX XXXXXXXX CA XXXX Creditor : Bank of America, N.A. Account Number : XXXX Reference # : XXXX Balance : {$33000.00} XXXX XXXX XXXX , Please accept this letter as confirmation of the agreement reached on XXXX with XXXX XXXX . We can resolve your account in the amount of {$22000.00} which must be received on or before XX/XX/18. Failure to comply with these proposed conditions will make this offer null and void and the full balance minus any payments that have been made to the account will be due. We are not obligated to renew this offer. There may be  tax consequences as a result of a settlement. Please consult a tax professional if you have questions or want advice about any potential tax consequences. We offer an on-line correspondence service that will reduce paper consumption and may improve your customer experience. Please visit XXXX to access your account information or make payment ( s ) on-line. You may also mail payment ( s ) to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Calls to or from this company may be monitored or recorded. Interest and/or fees will not accrue on your account. This is a communication from a debt collector. This is an attempt to collect a debt. Any information obtained will be used for that purpose. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PH:XXXX
I receive calls from this company every non-holiday day during the week, sometime multiple times. They use several different number from the XXXX area-code and never leave a message when calling. I have called before, twice, and asked Diversified consultants to stop calling me. The last time I called I was told, " You owe us money and we have every right to collect. ''
NBC Management has not disclosed any information to me in reference to a debt they claim I owe. They did not allow the 30 days to dispute or validate this claim. They have harassed my family members and my friends by calling them all hours of the day. They continue to call my old job looking for me. I received a voice message from them basically saying they had legal paper work they needed to drop off for me and if anyone knew any information of my current employer or residency to give them a call.
MDS has reported XXXX of my accounts to the Credit Bureaus even after I have made payments. I have been making weekly payments and have even paid XXXX of the XXXX accounts that I have with them. The rep told me that I have 30 days to pay this debt in full. She went to advise me that making payment arrangements does not prevent reporting. I think this is unfair especially when I am attempting to pay this debt.
Suntrust Claim Number : XXXX My husband 's wallet was stolen on XX/XX/XXXX. Fraudulent debit card charges in the amount of {$1200.00} and {$61.00} were made at a XXXX and money was withdrawn from an ATM in the amount of {$500.00}. A check was also deposited into our joint account in the amount of {$500.00} from XXXX XXXX of XXXX XXXX   that was denied. We filed a claim with Suntrust on XX/XX/XXXX. Suntrust denied the return of this money stating that these transactions were not done in error on XX/XX/XXXX. The total amount lost was {$1700.00}. Suntrust Fraud team reported under their Regulation E that they didn't have to return the money based on their investigation. I'm asking for help in this situation. My husband wasn't in any of these locations during the times of these transactions. We'll submit the police report number and the findings from Suntrust. We'd like Suntrust to confirm camera footage at their ATM and XXXX to verify who made these fraudulent transactions. This money taken was our XX/XX/XXXX mortgage payment. We really need this money back.
I contacted Experian on XX/XX/18 to inform them that I consolidated my student loans with a new company. I disputed the innaccuracies reported out of spite by XXXX. Experian never followed up with a decision. I never received a response on the matter and XXXX has yet to stop reporting outdated information. At this point XXXX isn't sending updates and the outdated unconsolidated loans are on my credit report. So I have my student loans listed twice on my credit report because of Experian and XXXX.
This company was reporting debts on my credit report that were unfamiliar to me. After seeking legal council I was advised to exercise my right to request validation of the accounts pursuant to the Fair Debt Collection PracticesAct. In correspondence dated XX/XX/2015, the company received my demand for validation. This company simply ignored my request and did not bother to respond to me, concurrently they verified the accounts with the credit bureau following my dispute with the credit bureau.
In XXXX of XXXX I fell behind in payments as a result of a divorce and reached out to Wells Fargo to advise even though my wife at the time had missed payments. Through some hard work and careful planning we were successful in selling our home in a standard sale on XX/XX/XXXX. Although we sold our home and made Wells Fargo whole, Wells Fargo is reporting on my credit report that they foreclosed on my home. The process in California to foreclose is as follows : Prior to foreclosing on a home a lender must record a Notice of Default. The Notice must remain in place for three months after which time the lender can record a Notice of Trustee Sale which can take place at public auction in no less than twenty-one days. The Notice of Default was  recorded on XX/XX/XXXX and Wells Fargo was paid in full on XX/XX/XXXX. The payoff occurred through a standard sale, Wells Fargo did not foreclose and at the time was not legally able to foreclose since the Notice of Default period had not elapsed.

This is yet another systematic failure for Wells Fargo. Wells Fargo knows they have reported foreclosures erroneously for me and several thousand other borrowers. This should be dealt with immediately and with the full force of the law. This is a shameful practice. this issue has resulted in me being rejected for credit and has caused me to pay more in interest for the credit that was granted to me.
In  XXXX  of  XXXX  I was granted deferment on my loans when I enrolled full time in school.  XXXX  of  XXXX  I began receiving letters that my loan payment was overdue. I tried for one week to get answers in regards to these notifications, but every time I called the " system was down '' and they could not bring up my information and assured someone would call me back soon. Finally, on  XXXX   XXXX , of   XXXX   I was assured that my account had always been in deferment and I was to ignore the emails and letters. Today,   XXXX   XXXX   XXXX  , I was informed that my co-borrower has received notification of payments being over 160 days past due and that consequently their credit has been negatively impacted. When I called the company today I asked to speak immediately to a supervisor. The phone called last for 21 minutes,  19  of which I was on hold. The supervisor came to the phone to tell me the " system was down '' and she could not pull up the necessary account information. I demanded someone return my call today because this was not a matter that could be ignored any further and she laughed and said that would not happen.     Additionally, I have never had a smooth transaction with this loan company. I was so happy to get out of business with   XXXX   and switch to my credit union because I thought I would n't have to worry about being conned. Each time I have requested sums from my loan there has been some sort of issue ( i.e. the database showed I had exhausted funds when I still have {$12000.00} left, the payments were late to the school thus causing me to be locked out of my school accounts  ) . I have always paid my loans on time and with no issues. I would simply ask the same out of the company I will be indebted to for the next  twenty  years of my life. I have always treated representatives with respect and appreciation for their help. But today, enough is enough. My co borrowers have now been impacted but irresponsibility I have no control over.
I opened a Citigold checking account under the promotion XXXX which provides XXXX XXXX XXXX miles when completing requirements of an initial deposit and 2 consecutive months of using their bill pay system to pay a credit card. After 90 days from satisfying their requirements, which I fulfilled on XXXX/XXXX/16, the bonus will post. I have messages from Citi confirming my enrollment in the promotion as well as completing the requirements however now they are refusing to give me the miles.
" " '' I have disputed this collection on this UNKNOWN XXXX for months.XXXX and XXXX   have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' ''
Quite simply, I authorized a transaction to Honda Financial Services for my monthly payment in a timely fashion. I posted this payment on XXXX XXXX, 2016 and it cleared my bank ( XXXX ) on XXXX XXXX. My payments are due on the of each month. 5 days later, Honda Financial posted another transaction of XXXX to my checking account without authorization. They claim it to be a " glitch '' but they do not realize that this XXXX over drafted my account. It 's not about the fee! They have denied me access to my own funds through an unauthorized transaction, however long that may be for. This is clearly a violation of my lease agreement. I have paid on time, every month. Doing business with an institution like this ( who violates their lease agreements ), is not in my best interest as a consumer. I wish for any action to be taken to terminate this lease as I do not wish for Honda benefit from hard working, bill paying American citizens.
ALERTS & HISTORY DISCOVER BANK obtained a copy of my XXXX Credit Report. 
Alert Date:XXXX2017 Source : XXXX Company : Discover Bank Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX phone number : no Phone number prone number ..DISCOVER BANK is in violation under the federal and state law, have NOT allowed discover bank to go into my credit report as a result of a loan or credit application. 
ILLEGALLY OBTAINED A COPIE OF MY XXXX  CREDIT REPORT. 
I have not givin Discover Bank permission nor i have not put in an application for any loans. im on XXXX .XXXX XXXX XXXXXXXX. this is my 3rd or 4th times this is and has happened ..intent to commit fraud to get my pvt.information that causes Idenity theft.
I have been trying to get my credit report and I see it hasn't been updated and I need my report update
I have had a XXXX XXXX credit card from Capital One since XX/XX/XXXX. Somebody stole my card number on or about XX/XX/XXXX. I reported it stolen to Capital One on XX/XX/XXXX.

There were four pending charges on my account. One, was from XXXX  which was never actually charged. The other three were from a flower shop in XXXX XXXX, CA called XXXX. These charges were for {$110.00}, {$110.00} and {$85.00}. These were formally charged to my card onXX/XX/XXXX. For some reason that no one from Capital One could explain to me, XXXX  also refunded two identical credits of {$44.00} to my account on XX/XX/XXXX.

I spoke to three Capital One fraud agents about this. The first was on XX/XX/XXXX. They told me that the first priority was that I be made whole and that all of the money that was improperly charged on my account should be refunded to me within 72 hours.

I gave it a week. Nothing happened. I called Capital One again on or about XX/XX/XXXX. This agent said I should have had all of my money refunded to me by now and that he did not know why it did not happen.

OnXX/XX/XXXX, Capital One then simultaneously refunded me the three charges of {$110.00}, {$110.00} and {$85.00} while additionally charging me three charges of {$110.00}, {$110.00} and {$85.00}. In effect, I was still charged the money that was supposed to be returned.

The last call was XX/XX/XXXX. The fraud agents name was XXXX. Her ID # was XXXX. She told me that everyone else was wrong and that it takes an entire billing cycle to fix this problem.

The billing cycle ended XX/XX/XXXX, approximately one month after I placed my fraud report. I paid the bill in full. No action has been taken to refund my money.

When you call the fraud line you have to talk to someone before being put through to a fraud agent. I asked the person who put me through to XXXX  on the final call to file a complaint on my behalf. He told me that he did ; although, I have not heard anything about it from Capital One. Each phone call with Capital One takes at least 40 minutes. I do not have time to keep calling them just to hear why they can not follow their own protocol.

I would like for XXXX XXXX to refund the money to my account or to send me a check for the money owed. The money owed is the difference between the three XXXX charges ( {$110.00}, {$110.00} and {$85.00} ) and the two XXXX credits ( {$44.00} and {$44.00} ). This equals {$220.00}.
Standard Mortgage ( " Standard '' ) placed a forced " hazard '' insurance policy on my account for a total of {$110000.00} in coverage because they were unable to verify my existing coverage. Standard was subsequently provided evidence of hazard coverage my my homeowner 's association and indicated to me that the coverage was deficient by approximately {$22000.00}. I purchased a supplemental policy with {$25000.00} of coverage, however, Standard is attempting to charge my account {$430.00} for coverage from the time in which the forced policy was put in place up until the {$25000.00} supplemental policy was purchased. The {$430.00} is the prorated amount for insurance providing {$110000.00} in coverage. Since I already had a hazard policy in place, and the deficiency in coverage was less than {$22000.00}, I should not be charged a prorated coverage for more that the deficiency in coverage. This in my opinion is an unfair trade practice. Additionally, please note that Standard has clear evidence that the mail they claimed to have sent which requested insurance information was returned to their office and never was delivered to me.
I have disputed the late payments on XXXX XXXX account for months. XXXX  and Experian refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Today, XX/XX/XXXX, I spoke with XXXX XXXX XXXX with XXXX XXXX XXXX XXXX XXXX, about two accounts for {$750.00} and {$56.00} that appeared on my credit file. I was told to fax in my phtoto id and dispute these two accounts. XXXX would then notify the credit bureaus to delete both accounts. These accounts are not mine and were opened fraudulently. Fax was confirmed at XXXX XXXX eastern on XX/XX/XXXX. I am disputing these accounts that Equifax is reporting that has an adverse affect on my credit score and worthiness.
I am a victim of identity. Someone has obtained my personal information and created fraudulent accounts. I did not know how my personal information was obtained or who obtained it. I did not give permission for anyone to use my personal information and I did not receive any services or goods from these accounts. I filed an Identity Theft police report and also reported this to the Federal Trade Commission ID Theft Affidavit. I have sent the company notification I am a victim of ID Theft have sent them my ID Theft affidavit, statement and ID Theft police report. Desgn Rec still is knowingly reporting the fraudulent accounts on my credit report after they are aware I am a victim of ID Theft. These are not my accounts, they are a result of ID Theft and I need all attempts of collecting these fraud accounts
On XX/XX/XXXX I received a call from PHH Mortgage Servicing that I had not made my XXXX payment, and demanding payment plus a late fee immediately over the phone. I knew my payment had been sent via ACH on XX/XX/XXXX. the agent verified they received the funds on XX/XX/XXXX, but stated they had applied them to my principle, and again demanded payment. I explained again, she claimed I failed to make the full payment, so they applied it to my principle. She refused to provide a Supervisor when I asked for one repeatedly. The claimed my payment had gone up due to my escrow, even though my escrow was refunded for an overage. So, once again, they have messed up my escrow and raised my monthly payment without notice, or reason, since my taxes and insurance premiums have NOT increased! I am beginning to believe they are putting these extra payments in THEIR pockets, since they can not or will not explain WHY my payment increased by {$60.00} per month. Their Tax Dept confirmed they have the wrong tax amount XXXX it's too high ) but only by about {$100.00} annually. Their tax dept is researching, but can not explain the higher payment either.
I disputed a tax lien thats incorrect on XXXX/XXXX/2015 via certified mail on XXXX/XXXX/2015 I received a response from the credit bureau that they previously verified and will not investigate it. I disputed this in XXXX of 2015 to get the info correct and they said they verified, I asked for method used to verify with no reponse
I logged into Discover Student Loans XXXX on X/X/2017. I noticed in the top right hand corner there was a message waiting for me. I rarely log into Discover Student Loans because I pay them the same amount each month as I have for the past several years. For the second time since XXXX 2017, there was a notification that my interest rate had increased. In XXXX my rate increased from 3.75 % to 4 % and then in XXXX they increased it to 4.25 %. I was not given a written notice, or any correspondence regarding this increase. I check my credit score regularly and it has continued to increase so it can not be related to that. Also, I have already paid over {$13000.00} above the principal balance over a period of 11 years and I still owe them over {$5000.00} dollars.
I 've disputed this collections amount because I have no knowledge of the account itself. The bureau investigated and item and status has remained unchanged since my last dispute in  XXXX   2017 .
I had the unfortunate situation where the merchant charged me {$950.00} for the XXXX XXXX. They utilized my XXXX XXXX from USAA that advised that if I didn't give them permission to use the card then it is considered fraud and per the terms of XXXX XXXX themselves has the area which shows it as a fraudulent transaction.

Please see the area below : Thieves may acquire records containing your personal information and/or account information from intercepted or discarded financial statements, payroll stubs, or other records sent to you or from third parties with whom you interact in your normal course of business where such information is disclosed.

My XXXX XXXX was on the XXXX   Webpage. The merchant in XXXX made the charge without my permission and I contacted them as a email came through to me. They advised me it was in error and it would be cancelled.

USAA had me completed the required Fraud forms and submit them and after many months came back with a non written response stating that I gave them permission to use my card. I firmly denied it and they insisted and then went into a personal matter I told them about my health. ( Per their request ) The USAA representative sided with the XXXX XXXX with no proof to back their position. They do not have a signature and they have my sworn statement that I contacted them in the window of cancellation with no charge if the employee hit a button during the call. I expected a company with a reputation that was built by XXXX  would not be soiled by lies and fraud.

I have requested all proof with signatures that show that I made the transaction. Additionally, the hotel is not admitting to calls and stating that I needed cancellation numbers which they said were not needed at this time.