WillisBack/dataset-financial-user-claim huggingface dataset:
Complaint regarding : XXXX XXXX XXXX, XXXX MA. 

I owned my first home when I was 25, and owned it for 13 years. I thought that selling it, just like buying it, would be a nervous, exciting and joyful moment that I would treasure forever. The XXXX XXXX XXXX XXXXXXXX XXXX MA. made my experience horrible, unforgettable, frustrating and stressful. Not only did they display unprofessionalism by giving us unrealistic timeframes and closing dates, but they were not transparent in their information sharing. 

Throughout the whole process my realtor had to demand answers. At times reaching out to multiple partners involved in the situation. Thankfully, they were able to get their affairs in order and we did not have to start the process over with a new buyer, but I was willing to do so because they were not taking us seriously and were uncaring about our situation. 

If you want a positive customer experience, a bank that offers you transparency and peace of mind when youre buying or selling a home do not do business with the XXXX XXXX XXXX  XXXX XXXX MA. Although the memory of selling my house will forever be tarnished, I thank XXXX for a great realtor that fought to get answers and provided full transparency regarding the situation.
OnXX/XX/XXXX XXXX XXXX XXXX  disputed 2 collections accounts that are on my credit report from Louisiana Recovery Services ( account numbers XXXX  and XXXX  ). It is now XX/XX/XXXX, which is pass the 30-45 day allowed time frame to respond to my dispute. I haven't received any paperwork or documentation proving or validating that I owe the debt.
I paid my Capital One credit card off and I have a new XXXX but it still shows up on my credit report at least XXXX times
Credit Reporting Agencies should not be able to charge an individual to freeze their credit. An individual 's credit should be frozen on default, including pre-screens, and only be unfrozen at the individual 's request.
There is a derogatory remark on my credit report that involves a tax lien that has been released. The tax lien was reported to the credit reporting company in XX/XX/XXXX. The lien was resolved and released through the filing of a previously missed tax return several years ago. The credit reporting company shows the lien as released but the derogatory remark regarding it remains on my credit report as of today, XX/XX/XXXX. I lodged a dispute with Equifax earlier this year but I have not heard back from them. I have not lodged a dispute with XXXX, believing the derogatory remark would be removed due to its age. However, the derogatory remark remains on both credit reporting reports.
Transunion reinserted old inquiries back onto my credit report. I have sent 2 letters certified mail asking them to remove them. The new inquiries has caused me to have an unfavorable credit rating that is impacting me and my family financially. <P/>XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX
I have written several letters, sent emails, and called. I am trying to settle two accounts I had with Bank of America, and they are refusing to give me a settlement offer. One account was overdrawn {$480.00} and another account {$590.00}. I don't have the money to pay these in full, and really don't feel like I should have to because Bank of America did not receive any principal loss, and the money they are asking for is for overdraft fees, not actually money that I spent. I am willing to try and come to some type of agreement and pay money a settlement for these fees. The last time I filed a complaint the response verbiage was rude and I was not trying to open a new account. I am fine that do not ever want to have a banking relationship with me ever again. All I am asking is to settle these accounts and move on. I have been working on paying my past debts and people make mistakes. I have to wait seven years anyway to get these items off my XXXX XXXX and XXXX even if I paid them in full they would still be reporting it. All I am asking for is a settlement.
DIVERSIFIED CONSULTANTS IN is reporting a collection on my account which has already been paid. Back in XXXX XXXX, DIVERSIFIED CONSULTANTS IN agreed to delete my account when it was paid. I believe it was called a pay for delete. I checked my credit the other day and found they are still reporting this account in collection. Per our oral agreement I would like DIVERSIFIED CONSULTANTS IN to remove this account from my credit file.Please assist in getting it removed my report.
I have been paying XXXX XXXX XXXX dollars a month since XX/XX/XXXX ( XXXX for the first payment ) .The payments get taken out of my account by XXXX XXXX on the XX/XX/XXXXof each month. I have been worried where the money was going since nothing has changed with my loan status. Also, I had been deferred until XX/XX/XXXX. I called XXXX XXXX on XX/XX/XXXX because the payment was taken out early. They told be not to worry because sometimes it happens with processing over weekends. I also asked what exactly my payments were going for. The lady told me the payments do not pay on my loan, but they are consolidation payments to be able to have my loans forgiven. I ended up being satisfied with that answer and haven't worried about the payments since. Now I get a letter on XX/XX/XXXX that was dated XX/XX/XXXX that the Federal Trade Commission has filed a lawsuit against XXXX XXXX for deceptive practices. I need to know if I cancel with them, do I get a full refund?
On XX/XX/XXXX check number XXXX for {$150.00} was mailed to Portfolio Recovery Associates with a letter asking that the account be removed from my report upon receipt of the funds of the check presented. 

On XX/XX/XXXX Portfolio Recovery Associates updated their website to show a payment of {$150.00} was made. 

On XX/XX/XXXX check number XXXX for {$150.00} was presented for payment to XXXX XXXX XXXX ( My personal bank ) Between XX/XX/XXXX and Today, the account has for some reason reverted to a balance of {$150.00} and I have tried numerous times by filing disputes with the credit Bureau 's to sending letters directly to portfolio recovery to have this rectified. They continue to only provide me with proof that the original account is valid, not that the balance is valid. 

On XX/XX/XXXX I mailed a final dispute letter to Portfolio Recovery by XXXX ( Tracking #  XXXX ) which was delivered on XX/XX/XXXX at XXXX EST.
i used to own a piece of propriety that has a assocation fee which was due way before i filed for chapter XXXX bankrupcy in 2011 they are still trying to collect even though it was discharged
I am trying to reopen the previous CFPB claim : XXXX Citi resolved the problem last time and corrected their mistake to removed the records from my credit report. But Citi reported the wrong record to credit bureau again. 

This problem has ruined my credit for many years, during which Citi corrected their mistake twice after long-time communications. But Citi reported the mistake for the third time. 

I attached the result and their response last time, and my current credit report. 

I had a Citi credit card in XXXX. Citi charged me an annual fee in XXXX XXXX for the coming year so I closed my account. I was told by Citi that they would remove the fee because I have closed my account. However Citi did not removed the fee and did not sent me any communication and sent the balance to collection agency in XXXX. I started the dispute process in XX/XX/XXXX, and after many many communications, Citi admitted the mistake and agreed to write off the balance. Citi also told me to contact their CBR department to correct the credit report. I faxed the dispute to CBR in XXXX, XXXX. But Citi has not corrected the report up to now. I contacted them again in XX/XX/XXXX after I found out during my mortgage application. Citi is not correcting the error.
I closed on my house in XX/XX/2015. At the time, I put down <20 %  and opted for lender paid PMI, which resulted in an additional .25 % being added to my interest rate for the life of the loan. 

Chase has been unable to accurately manage my escrow account, due in large part to the STAR credit program in New York and the timing of payments received from the state of New York and the receipt of tax bills from our various municipalities ( Village, Town and School ). 

I have repeatedly - over the course of the past 18 months - asked for them to remove JUST the escrow requirement. Not a reduction in rate, but simply giving me back the money in escrow and allowing me to manage tax and insurance payments myself. I'm asking to reduce Their response has been the same - that until your LTV reaches 80 % of the original appraised value we can not release the escrow. The fact that my home value has appreciated has not prevented them from sending me multiple solicitations to refinance, including a sentence stating I should " take advantage of the increased equity in my home ''. 

I just want to manage my finances and reduce Chase 's administrative overhead on my loan.This should not require 5+ attempts and multiple communications to achieve.
To Whom It May Concern : I am writing to file a complaint about Chase Bank where I am the accountholder of a Business Checking Account. Last week, I discovered XXXX unauthorized ATM withdrawals. I live in XXXX, XXXX which, unfortunately, is an area rife with ATM scammers who use a device to rip cardholders ' numbers and PINs in order to process unauthorized withdrawals. ( A number of my friends in the area told me after the fact that they have been victims of the same fraudulent scams ). 

I called Chase immediately upon discovering the authorized withdrawals ( which totaled over {$200.00} ) and was told by the bank that its fraud team would investigate the transactions. After a week I had n't heard anything back so I called them and was shocked to learn that they had closed my dispute request without even notifying me. I asked them why and they said that because at one point I had let my assistant borrow the card to pick up some camera equipment that they would not be investigating the fraudulent transactions further. I assumed that they would pull the camera footage from the ATMs but they did not, and moreover they refused to tell me why they would not pull the footage. Now I am left with no recourse to dispute these charges. I have spoken with multiple supervisors, and no one has been able to provide me with any additional information on why my dispute was denied or why they refuse to pull the footage. As a result I have no choice but to move my business account with an institution that has a better record when it comes to resolving fraud disputes. 

If you have any additional questions about this complaint, please feel free to contact me. Thank you for your time. 

Best, XXXX XXXX
CoreLogic disclosed information to XXXX XXXX XXXX. I call and requested a copy of the report. I was told that it was not on file. I am requesting a copy of file from CoreLogic and a deletion of my file from all credit bureaus, XXXX, XXXX, XXXX. I have placed a security freeze on my CoreLogic information XX/XX/2018 the information was solicited XX/XX/2018.
Union Bank is placing fraud holds on minority owned accounts. On XX/XX/2018, I traveled to XXXX XXXX. I was able to use my debit card on Friday and Saturday using my pin code and debit transactions. Sunday came and I was unable to use my debit card. I knew they had placed a fraud hold on my account. I attempted to call union bank, however, they were closed. They were also closed on Monday for the Holiday. My concern is if you are placing a fraud hold on someone's account on a Sunday, there is no way of releasing that hold. No one to contact, you are just stuck without access to YOUR MONEY. This is not right. If they are placing fraud holds on those days they need to have some way to release it. Whether it is verification online or via automated system there should be some way instead of leaving the customer without a way out. I called and spoke to a supervisor on XX/XX/18 at XXXX XXXX. ( please review the recorded call ), they told me that I am REQUIRED to place a travel notification on my account. I asked him where is that in writing at, he stated in the disclosure. After asking him what page and where, he then changed it to it is not in writing. So, basically, union bank would like their customers to violate their own privacy rights in order for them to use their own money. I should not have to disclose where I am going or that I am traveling to utilize MY MONEY. Then the supervisor told me that traveling was not the only reason they put a hold on my account. I knew that it was because I am a minority. Then, he came back and stated that traveling was the only reason they put a fraud hold on my account. I am wondering why was a fraud hold not placed on my account when I initially got to XXXX XXXX on Friday or Saturday when I was using it. Also, I was putting in my pin number. So why was a hold placed in the first place? I say that they only do this to minorities because a friend of mines who is not a minority has the same bank and never has this problem. I have had this problem several times. Please launch an investigation against union bank regarding their violation of privacy rights ( as they are telling customers they are REQUIRED to disclose their travel plans ) and also for only placing fraud holds on MINORITY accounts. Thank you for being a blessing in this world CFPB. The consumers of America need protection against companies who engage in discriminatory and illegal practices.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX In XXXX I took out a loan for {$140000.00} with USBANK. This loan when I took it out was a HELOC. ( It was a revolving line of credit. ). Then in XX/XX/XXXXUSBANK converted the loan to a XXXX ( MORTGAGE ) that does not have a revolving line of credit. But USBANK did not amend the DEED OF TRUST that they used to record the loan on title. On XXXX XXXX I applied for a HOME Equity Line of Credit with XXXX. Aproximately 3 weeks later I found out that there was a problem with how USBANK had recorded the current loan ( {$140000.00} ) was recorded on the title of my house. I brought this to USBANK attention right away but they took 3 months getting back to me with a definite answer. They said they had done nothing wrong. Though they wrote me several letters that stated. 1. they had done nothing wrong. 2. They had reported everything properly. 3 That I had a MORTGAGE and did not have a revolving line of Credit. 4 That the mistake was not theres but it was the title company 's ( XXXX XXXX XXXX ) who misinterpreted what they recorded. I have found out that that the only instrument that USBANK recorded was a Deed of trust that clearly states that I have line of credit with a max loan amount of {$140000.00}. This was correct in XX/XX/XXXXwhen it was recorded but when USBANK changed my loan in XXXX to a mortgage without a LINE OF CREDIT there should have been an amendment to the the original deed of trust. As a result of their failure to amend the DEAD OF TRUST. I had my loan with XXXX cancled and had to restart my loan at .25 % higher rate after USBANK finally put in writing that I do not have line of credit and actually have a MORTGAGE. I believe also that USBank has done the same thing to all of their customers who had HOME EQUITY LOANS with them prior to XXXX when they converted all of them to mortgages. I Believe that USBANK should pay the difference in the cost of my loan over the life of my loan. ( {$5300.00}. ) This is the damage that I am incurring as a result of 1. USBanks slow decision making ( 3 months ). 2. The fact that USbank never amended the Deed of Trust to reflect the loan change that they made in XXXX. Sincerely, XXXX XXXX XXXX
I have disputed these accounts and have sent letters to the bureaus and companies and no one will help me resolve my problems.
Collector debit bank account removing XXXX benefits and refuses to accept responsibility for actions despite documentation showing their error. This is on a tax lien which is owed, however XXXX benefits are exempt according to documentation given to me by the collector. I have spoke with XXXX and am in the process of a hardship submission. Premier Credit refuses to work with me and has placed my held in danger.
attempted to sign up for free score but was asked for a credit card which their commercial says they do not do.
I am a victim of THEIR inquiry issue. Transunion had a server error in which they did not follow the legal process, and fraudulently added inquiries on to my account that do not belong to me. I now have a fraud alert on my account but yet they will not remove the fraudulent inquiries. 

I called and spoke to a customer service rep in which they refused to acknowledge the error. 

These inquiries are fraud and do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Our loan was scheduled to be closed on Friday, XX/XX/XXXX at XXXX. This has been the date for the entire loan application process. Today ( Tues XX/XX/XXXX ) our realtor received a call from our lender 's closing department informing her that the Settlement and closing documents are being sent out today to review online, and " due to new guidelines '' and citing a holiday tomorrow XX/XX/XXXX the closing now has to be postponed until Monday XX/XX/XXXX. This is not necessarily a complaint against my lender. This is a XXXX customer who now has to re-schedule moving company, allow the seller an extra 3 days of lease after the delayed closing date due to the fact that they have to close on this house prior to closing on their new house, all because of these " Know before you owe '' guidelines that " will not cause any delays ''. In the real world, they do cause very costly delays. There needs to be a way that mortgage applicants can choose to waive these new guidelines.
I paid my balance on my Wells fargo credit card under the agreement that they would both close the account under my name and remove it from my credit report. They agreed to do so when they received the final payment on XXXX/XXXX/XXXX. I left the matter alone and was notified with my credit report later that the account had not been removed from my credit report as promised. Ive disputed this claim with XXXX and XXXX to no avail. This was not the agreement I made when completing my payment and my credit report should reflect that accurately.
XXXX transfer to COINBASE - my money is gone. 

On XX/XX/XXXX, I transferred XXXXDKK from my own bank account to Coinbase as I would like to invest in cryptocurrencies.

Two days later onXX/XX/XXXX ( where the money still have n't been credited my account on Coinbase ), I received a mail from Coinbase, where they told me that ; " We apologize for the difficulty. Unfortunately your recently attempted deposit could not be processed because we do not yet support this type of currency. 
Currently, it is possible to deposit and withdraw Euro using the XXXX payment system. In order to return your funds promptly, please visit https : //www.coinbase.comXXXX and make sure you have entered your full banking information, including IBAN number.

If you have any additional questions, or if this payment does not return to your bank within the next several days '' Since the e-mail above from XX/XX/XXXX, I have contacted Coinbase several times but still have n't got my XXXXDKK back. I 'm pretty sure the responses I get is auto generated from a bot ( I will include screenshots of the full contact to this complaint - It 's a lot of screenshots! ). 

It has been impossible to get a response from Coinbase since XX/XX/XXXX where I contacted them the last time. 

Please help - I 'm desperate.
I was denied credit from XXXX ( XXXX XXXX ) on XX/XX/2018. They used Equifax 's credit report. I then logged into Equifax website to obtain my credit report for being denied credit. 

1. ) I entered the info requested by equifax at : https : //aa.econsumer.equifax.com/aad/landing.ehtml 2.  ) Received a prompt that I will receive an email with further instructions, which I did with the following link provided by equifax : Use the link below to login now because the " status of my requested report failed. '' http : //myservices.equifax.com/AAD_dashboard Your product is ready to use right now. 

Your order transaction number is XXXX and username is XXXX. You will use this username and the password that you created at registration to login and view your products. Be sure to keep this information in a safe place for future visits to the XXXX XXXX. 

After you log in you can : - View your current product ( s ) and features - Edit your profile, including Username, Password and e-mail address - Access educational information and utilize easy to use financial tools Thank you for your order. We look forward to serving you in the future. 

Your Equifax Customer Care Team Copyright Equifax 2018 | Privacy Policy | Terms of Use | FCRA 3. ) Once I log into their website following the above link, the only options are to PURCHASE they reporting products. Nowhere can I find a resource to get my credit report from the " failure '' or even an option to speak to someone. The 800 number provided is 100 % automated and speaking to a person is not an option. 

My issue is : I am entitled to my credit report WITHOUT unnecessary burdens in place. Please investigate this matter further. It should not be this difficult to obtain information. Also, they circles Equifax puts you in gives you no choice but to purchase their products. This is unethical and taking advantage of people. Thank you for your time. 

XXXX XXXX XXXX XXXX XXXX XXXX
I have several hard inquiries on my credit report that I do not recognize : - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX - XXXX XXXX ( yes a second time )
On XX/XX/XXXX I sent Coinbase Inc. a wire in the amount of {$20000.00} from my business account to my personal account at Coinbase. After a few days the funds were still not in my account. I contacted Coinbase and they stated on XX/XX/XXXX that {$20000.00} would be reversed back due to my personal account name not matching my business. They stated it would take at 7 to 10 business days to process the reversal as of XX/XX/XXXX. 

I followed up well after 10 business days on XX/XX/XXXX, and Coinbase stated that they have a specialist addressing it and will follow up with me as soon as possible. 
I contacted Coinbase on XX/XX/XXXX due to lack of response. 

They still have not responded to me as of XX/XX/XXXX.
I received a XXXX Credit Card on XXXX XXXX and want to cancel the account immediately. 
I tried to fax the request to ( XXXX ) as instructed on their phone message on XXXX XXXX as well but your fax number did not work either. 

I tried calling numerous customer service number listed in the credit card booklet but all were the same automated message. 

XXXX has an address mail the cancellation request and it is in XXXX, GA in their booklet and I will send that well but I wanted to file a complaint so no one else will fall into this trap. 

XXXX Customer Service Number I called are : XXXX XXXX XXXX XXXX All of the above are the same automated message for XXXX XXXX XXXX XXXX.
hello, i opened three accounts with First National Bank of Pennsylvania - Personal checking, business checking and a savings, I believe it was in XX/XX/2017. First National Bank closed my Business Checking Account and My Savings Account without prior notice somewhere around XX/XX/2017. My accounts were at a {$0.00} balance. I had a debit card and checks for the business checking account. I don't feel this was right. i could see if it was at a negative balance for an unreasonable amount of time but instead they closed it for zero activity. The account had not been open for more Unfortunately I don't have any other information because the account was closed and i can't retrieve my account number online anymore. The name on the account was XXXX XXXX DBA XXXX XXXX XXXX ( or something like that ).