WillisBack/dataset-financial-user-claim huggingface dataset:
This more to get correct information than a complaint.   I deposited a check from   XXXX   XXXX   in  XXXX  to a  Citibank i n  XXXX  on XX/XX/XXXX .I have accounts in both banks.Was surprised to find on the deposit slip :  Fundsfrom your  transaction will be delayed as shown below    XXXX   a vailable to  day, XXXX   XX/XX/XXXX , XXXX  XX/XX/XXXX ,  XXXX   on  XX/XX/XXXX  and the rest on   XXXX   total checks deposite d /cashed on this day exceeded {$5000.00}.   I thought the regulation was availavle fund is afte  3rd d ay when the check comes from bank in the same city.   There was a FDIC information on the counter that cash is available  one plus bus iness day.   Only answer from the ban k manager wa s this is our policy .When I asked him the FDIC  poster in the b ank he really did not have any answer other than saying bank policy I just would like to know where does the regulation state..
I applied for a Fifth Third Essential Checking account online on XXXX/XXXX/2016. My application was approved online and funded on that day. I opened the account because of the sign-up bonus for {$200.00}, which would be deposited after 90 days after completing the following : Qualifying activity includes XXXX online bill payments using Fifth Third Bank 's online bill payment service AND direct deposit. The monthly maintenance fee would be waived for the account if Maintain a combined monthly average balance of {$1500.00} across your deposit and investment accounts. I funded the account to maintain the {$1500.00} balance, but was charged the monthly maintenance fee each month. When I called Fifth Third to have the fees reversed, they reversed one month. When I called customer service again to check on the status of my bonus, after the 90 days have passed and I have completed the bonus terms, they stated that I did not open an Essential Checking account, but a Basic Checking account, which is not eligible for the bonus. I also inquired to have another month 's maintenance fee reversed and they stated that the Basic Checking account can not have the fees waived. I asked why I was placed into the Basic account when I applied for the Essential and they could not provide me with an answer. When I requested to have the account closed and transferred into the Essential Checking, they stated this account can not be closed until a year has passed. 

I contacted the local branch and spoke with XXXX XXXX and explained what had happened. He stated that he would reverse the monthly maintenance charges that were not reversed and close the Basic Checking account and transfer my funds into the Essential Checking account. He opened the Essential Checking account on XXXX/XXXX/16 and kept the Basic Checking account open until I received my debit card. I called XXXX again on XXXX/XXXX/16 stating that I have not received my debit card and to confirm the mailing address. Once confirmed, he said he would mail the card out again. On XXXX/XXXX/16, I emailed XXXX stating that I still have not received my card and would like my account closed and all maintenance fees refunded. In his response, he stated that two months were previously refunded and he would close my account. 

In the Basic Checking, I received 5 monthly maintance charges at {$8.00} each. There was a reversal of {$7.00} and {$8.00}. I was placed into the Basic Checking account without my knowledge or consent. I believe this is a deceptive practice.
Transunion case # XXXX & XXXX Credit card for XXXX store. THIS case is against both of them as a ) this issue never became one and b ) Transunion ruined my credit score downward my -10 points for something not my fault. 

In either XXXX or XXXX of XX/XX/XXXXI made a purchase with a brand new, just that day, XXXX card. The total ended just under {$18.00}. I 'd just moved to this city in XXXX, MN XXXX so it was first shop at this store. 
A few months later during the move it occurred to me I 'd not RECIEVED any mail from XXXX and oh my gosh! I 've not paid my bill! 
I quickly called, explained why I was late the few months, paid it in full and THAT WAS IT. CARD PAID OFF. 
So explain to me why I 'm being sent to collections and I have numerous days on my account that I 'm past due? I called and paid it!!!! 
Plus I called in XX/XX/XXXX as I saw action on this closed account and I thought I was being used by identity theft!!! I called immediately and was about to call anyone I could but thankfully I had someone from XXXX on the line saying all was fine. 
FINE??? WHY IS MY CARD STILL SITTING IN ACTION BUT NOT BEING " USED ''? 
WHAT IS XXXX DOING TO ME? 
I beg you to please help as I do n't trust whatever is going on. 
THANK you kindly, XXXX XXXX
In XXXX of this year my wallet was stolen and soon learned that there was unauthorized charges to my credit card. I disputed the charges and they took care of the unauthorized charges and credited my account back and even got a new credit card in the mail. Prior to this incident, though I rarely used the account, I did always pay on time when there was a balance. I received a letter from the creditor in XXXX, following this dispute indicating that they had closed my account after reviewing my credit file without warning me. 
When I opened this credit card I had good credit standing and feel that I should have been warned about their decision. In the letter they sent me there are a number of reasons but feel that I needed a fair warning before they decided to close the account. I have been working on re-establishing my credit and this decision that they took will affect this process tremendously.
THIS IS MY SECOND COMPLAINT TO THE CONSUMER FINANCIAL PROTECTION BUREAU IN REGARD TO THE COLLECTION OF MY STUDENT LOAN IN THE LAST TWO DAYS. THE NAME OF THIS LOAN ORGANIZATION WHO PROFESSES TO BE WORKING WITH THE DEPARTMENT OF EDUCATION IS ALLIEDINTERSTATE LLC. 
THEY HAVE JUST SENT ME A LETTER DEMANDING THAT I SUBMIT PAYMENT TO THEM FOR A DEBT IN THE AMOUNT OF {$43000.00}. THIS LETTER, DATED XXXX/XXXX/2016 ALSO STATED THAT BECAUSE MY CREDITOR [ THE DEPARTMENT OF EDUCATION ] CONTINUES TO ASSESS INTEREST ON THIS LOAN, THE ACTUAL AMOUNT OF MY DEBT MAY BE GREATER THAN {$43000.00}. THEY PROMISED TO LET ME ABOUT THE DISCREPANCY AFTER I SENT THEM THE PAYMENT OF {$43000.00}. I WILL ENCLOSE THEIR LETTER TO ME IN ADDITION TO SOME PAPERWORK THAT VERIFIES THE ACTUAL DEBT + INTEREST AMOUNT AS {$34000.00}! 
SO IN THE CASE THAT XXXX & ALLIEDINTERSTATE LLC. ARE NOW, BOTH PURPORTING TO REPRESENT THE CREDITOR [ THE DEPARTMENT OF EDUCATION ] IN ADDITION TO THOSE XXXX ENTITIES, THE DEPARTMENT OF THE TREASURY/BUREAU OF FISCAL SERVICE IS ALSO CLAIMING TO REPRESENT THE DEPARTMENT OF EDUCATION & ACTUALLY GARNISHING MY XXXX PAYMENT TO PAY-OFF THE SAME LOAN THAT THE XXXX & ALLIEDINTERSTATE LLC. ARE CLAIMING TO HANDLE!!!
My Bank of America checking account was overdrawn due to a charge on my account of {$36.00} from XXXX on XXXX/XXXX/2016. A subsequent overdraft fee of {$35.00} was assessed on XXXX/XXXX/16 for the charge of {$36.00}. However, an extended overdraft fee of {$35.00} was assessed on XXXX/XXXX/2016. I explained to the representative that this was not explained to me when I opened the account nor does it show in the Bank of America terms. I spoke with Bank of America rep XXXX on XXXX/XXXX/2016 and ask if this fee could be waived as a courtesy but she refused, only stating that an email was sent to me on XXXX/XXXX/2016 advising me that my account would be assessed an extended overdraft fee if the negative balance was not cleared up. I advised her that the only emails I was receiving from Bank of America were advertisement for money management services. 
I ask to speak with a member of management to which I was connected to XXXX. I explained my situation to her as well and she in turn told me the same thing and refused to assist me. I explained that I wanted to make a deposit to clear up the account today but refused to pay an extra {$35.00} to Bank of America for information that was not communicated to me.
I have doubled my income in the last 2 months and submitted the documentation to the BofA as a change of circumstance. At the same time a sale date XX/XX/XXXX ( 2 days from now ) on my home was issued. Here in California " dual tracking '' is illegal, but the BofA continues to practice it. Here is how they get around the law. My contact person says the underwriter requires more documents, and once I submitted them, the underwriter asks for more while the countdown continues. This is where I find myself today, with the underwriter continuing to review my submissions one day before the sale date. The underwriter has asked me for the same information, so as long as the " review is not complete '' the BofA does not remove or postpone the sale date. 

My contact person sets up a day and time to check in. I call at that time and get only voice mail. The contact may call later that day or another day. When I see who has called I call back. The contact person does not answer the phone, only voice mail. This has gone on for some time and the result is I will receive a computer generated letter saying the bank has made several attempts to contact me, which puts me in a bad light. The appointed day and time for this conversation has yet to occur. All of this is to say that this even more delays being able to complete the necessary submissions for a modification. My sale date is 2 days from now ( XX/XX/XXXX ) and the contact person said she would schedule a phone appointment on XX/XX/XXXX to discuss my modification progress with the underwriter. XX/XX/XXXX is one day after the auction. 

My strong sense of this is that the bank is letting the clock run out by stalling me with these tactics. I have had postponements before, mostly due to complaints filed with CFPB XX/XX/XXXX XX/XX/XXXX. This has come at great relief because I was able to continue to restore the family home which results in more room rentals ( I live on the property ) and continue to develop my skill sets for employment. I have demonstrated a slow but stead increase of income and with this latest doubling of my income I would have expected a modification. It is clear to me in the one day remaining they have no intention in completing it. 

In addition, I asked BofA to reveal my investor. They named the XXXX. I called and emailed them and they said they were not the investor but a trustee on behalf of XXXX XXXX XXXX is Countrywide and is owned by BofA . I earlier complaint to CFPB was not answered by BofA in that they repeated XXXX as the investor. As a homeowner who has been restoring this historic XXXX home that my parents bought for 16 years, I feel I and others have the right to communicate with the entity who holds the note. This issue was covered in my previous complaint. 

This same non disclosure pattern occurs also when asking who decides the sale date. BofA says the investor or the BofA law firm XXXX XXXX XXXX ( XXXX XXXX ) sets the date. XXXX says they follow the BofA instructions.
We filed bankruptcy XX/XX/XXXX  XXXX, our mortgage company at the time, was exempt from the bankruptcy.  However the credit bureaus show XXXX was included in the bankruptcy.  We have disputed this XXXX with supporting documentation and it still has not been removed.  Equifax says they need to contact XXXX.  XXXX filed bankruptcy in XX/XX/XXXX also.  We contacted XXXX at XXXX who informed us that they have no information on any accounts in our name or at our address so they could not help us.  Our account was in good standing (not late or missed payments) withXXXX when we filed bankruptcy.  XXXX took over XXXX accounts in XX/XX/XXXX.  We have continued to make our payments on time.  Equifax is saying they need another 30 days to investigate.  The original dispute was to remove this SAME incorrect information. We have not heard anything from XXXX.  Because of problems with their website we had to send the dispute by US mail.  XXXX is the only agency that has corrected the information.XXXX was sent the exact same information. Since filing bankruptcy we have worked diligently to re-establish our credit. We have done all we can and now we   need your help ASAP to get this information corrected. I had no idea that it would be so difficult and take so long when we had proper documentation. You are our last hope.  Thanks in advance.
I visited the XXXX XXXX on XXXX XXXX XXXX in XXXX XXXX, NJ, I got into a new lease on XX/XX/XXXX of a XXXX XXXX XXXX at a monthly rate of {$470.00}. I made a {$4500.00} down payment including taxes. At the same time of this lease, I was also trading in a new XXXX XXXX XXXX car that was purchased on XX/XX/XXXX for {$23000.00} with a down payment of {$5500.00}. This car was financed at 16 % for 72 months. I brought this XXXX XXXX XXXX back with XXXX miles. The rollover value into the new lease was {$6900.00} vs the car 's actual value. The remaining balance went into the cost of the lease impacting the monthly payments with negative equity from the previous undervalued, high value trade in. This car most certainly sold for more than I received as trade in value. My monthly payments are unnecessarily high, despite the car 's rates currently being advertised for less. Rates at {$200.00}. I 'm unable to get out of this lease into a better option by fault of the negative equity of the previous car applied to this current lease.
I acquired Stearns Lending as my mortgage company sometime around XXXX 2015. After my XXXX payment, they decided to increase my monthly payments form {$1200.00} to {$1300.00} per month without giving any notice, either written or otherwise. I called and asked them what happened and they told me they would research it. I then bounced around on phone calls back to them before finally being told the amount changed when they bought the loan and it had gone down from what my original loan amount was. I told them that was incorrect. I then looked around on their website and figured out they were collecting way too much money for my property taxes. I then called back and they told me XXXX XXXX, Indiana had given them that number and I would need a tax statement showing the proper amount. This took place between the first of XXXX and the middle of XXXX. I then went to the county assessor and they told me they had no idea where Stearns had gotten the tax amount and gave me a statement. I then sent them the statement on XXXX XXXX via email and received a response that the document was received and they would respond within 10 days of receipt with the corrected amount. I then spent XXXX and XXXX getting bills of {$1300.00} instead of the {$1200.00}, and I called at least XXXX times trying to get this fixed. They kept telling me it would " escalated '' and be fixed. I asked on at least XXXX separate occasions to speak with a supervisor and I would then be put on hold for XXXX minutes only to leave a voicemail, none of which were ever returned. Finally on XXXX XXXX, I called and threatened to sue. They assured me it would be taken care of. I called again on XXXX XXXX and they have finally fixed the amount of taxes, but it still needs to go back to their escrow department, which is n't scheduled until XXXX to review it. My bill is due on XXXX XXXX. This is unacceptable and a terrible way to do business. I do n't even want to do business with them after this fiasco, but it is going to cost me {$3000.00} to refinance. They told me I would receive a check for any money they owe me, but that is n't going to cover the extra interest I am paying on other bills I have n't paid in full due to having to pay them {$150.00} extra each month. Not to mention, they did n't give me a time frame in which to expect my money back.
Frauding scams using my credit files as XXXX listed business Frauding as : : : : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Then frauding scams using my birth certificate long form of doctor listed using XXXX XXXX XXXX as multiple XXXX XXXX Then fraud scams using XXXX XXXX. ( Frauding my immazation record of XXXX county Indiana ) Frauding scams using : : XXXX XXXX in Nevada frauding scams frauding XXXX Indiana Frauding scams using XXXX Indiana Frauding scams using XXXX frauding XXXX XXXX
Professional Bureau Of Collections XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX Debt in the amount of {$2100.00} I have been trying to get this debt off my credit report for a long time, at one point the creditor removed it but post it back again. 
the creditor has been denying to provide me with validity of this debt all along. When I try talking to them they will say they will send me documentation to validate the debt and they never do, last time they simply hang up on me when I asked a valid address and the name of the person I was talking to so I could document it. 
They are very aggressive and threatening, and they don't provide any information other than saying you owe them and if you don't pay they will ruin your credit history.
I 've advised this company that I 've never used their services, I don '' t know who they are, this account doe not belong to me. and that they immediately remove this negative inquiry from all  XXXX  credit Bureaus. They have been harassing me with threatening phone calls asking me to pay off this balance.
Last Reported   XXXX   XXXX  , 2017 Collection Agency ABLTY RECVRY Original Creditor   XXXX   XXXX   XXXX   XXXX    Status Open Opened Date   XXXX   XXXX  , 2017 Closed Date -- Responsibility Individual Balance {$950.00} High Balance {$950.00} Remarks Placed for collection ABLTY RECVRY Reported on   XXXX   XXXX  , 2017 {$330.00} Account Details Last Reported   XXXX   XXXX  , 2017 Collection Agency ABLTY RECVRY Original Creditor   XXXX   XXXX   XXXX   XXXX   Status Open Opened Date   XXXX   XXXX  , 2017 Closed Date -- Responsibility Individual Balance {$330.00} High Balance {$330.00} Remarks Placed for collection
Complaint Against : XXXX XXXX XXXX XXXX.

XX/XX/XXXX Topic of Complaint : Cornerstone put me on a " Hurricane Harvey 3 month forbearance period '' on XX/XX/XXXX( that I did not need ).

What happened : I attempted to make a payment on XX/XX/XXXX ( {$370.00} are my regular monthly payments ), the next payment due date, and I was locked out of my account portion of " make a payment ''. On the phone a few times to resolve this, nothing resolved < I was told on the phone because I was on the Harvey plan, that I and all others are locked out. So I kept making requests to get me out of it - nothing ( as evidence of still being locked out of the payment portion of the site ).

The 2 months owed now, its XX/XX/XXXX, I was still locked out from making a payment online and decided to make a payment " with a representative ''. I did this on XX/XX/XXXX for the amount of {$730.00} ( 2 months for my mortgage now owed ) over the phone with the confirmation number of XXXX  and nothing showed withdrawn from my bank! And still I was locked out from making web payments.

Concurrently I have received FIVE " attempt to collect '' letters from their " Loan Workout Department '' while being on the Harvey forbearance program.

Lastly, I attempted to now pay THREE mortgage payments on XX/XX/XXXX for the amount of {$1000.00} ( confirmation number : XXXX  ) and seen I was finally allowed to make web payments and the payment shows paid on Cornerstone - BUT has not been taken out and today is the XX/XX/XXXX ( like theXX/XX/XXXX situation ).

I called today, XX/XX/XXXX( yet again, but now spoke to one of the managers ). I was not irate, but sternly concerned for their lack of coordination and vision of how to help those affected from Hurricane Harvey.

Problem # 1 : This is not a forbearance plan, a forbearance is when the months owed that are on " pause '' are applied to " the end of the life '' of the loan. Here they are expecting full 3 month payments as a BALLOON payment due immediately! Just 300 yards from where I live, 100s of homes where totally lost - I was lucky, and those mortgages are easily $ 2,000+. Imagine having to pay 6,000+ on the 3rd month when the plan is done on XX/XX/XXXX! ( While receiving debt collection letters along the way ... ) Problem # 2 : Lack of strategic planning 1 : Why would you lock out the customer from making payment if they want to make payments?! I had plenty of REAL forbearance periods in my student loan lives - and I ALWAYS had the chance to pay when I could within the period on my WEB PAGE options and was never locked out from the option.

Lack of strategic planning 2 : Debt collections?? Then I am told to just " ignore '' the letters ... I'm sure the debt collecting team will forget to sort out who is who from the letters of Harvey and non-Harvey stacks and send all for default on XX/XX/XXXX( as my 5th letter stated ).

Help please, RM
My Experian credit report is reporting a Public Record Information that is inaccurate in its filing. As XXXX and XXXX determined the term " Dismissed '' means that it is adjudicated by the law it was removed. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the XXXX The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court or XXXX or XXXX has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
I am a XXXX person w/ no transportation available. Three weeks ago I tried accessing my TD Bank account on line, and the security question was " What high school I had attended and I gave the lady processing my new account the answer, however i do n't know if she typed it with caps or without and two words or one word, the result is that after having tried three times the account was locked. I called the Toll free number on the screen XXXX. After reviewing the account the agent told me that because the account was totally freeze I had to go to a branch to get it unlocked. On XX/XX/XXXX I was able to get a ride and went to the branch located at XXXX XXXX XXXX XXXX , XXXX, FL XXXX. The lady was very nice, I gave her my ID, SS and account number, ad to my surprised, She told me she had to call to get the account unlocked, EXACTLY THE SAME THING THAT I HAD DONE THREE WEEKS EARLIER. They kept us waiting for half an hour and I suggested that since she had already verified my identity, that she handle the rest of the unlocking of the account, I was told she could not do that and I informed her that I could not wait there forever since my ride was waiting outside. Today XXXX XXXX aT XXXX I called the toll free number and asked to speak to a supervisor, I was kept waiting for over 15 minutes and XXXX ID no XXXX and to my surprised, she gave me the same answer, that there was nothing she could do over the phone and that I had to go the branch. HERE IS WHAT NEED YOUR AGENCY TO ADDRESS : 1 ) SINCE I AM A XX/XX/XXXX PERSON ( XXXX YRS OLD ) UNDER THE AMERICANS WITH DISABILITY ACT, TD BANK IS IN VIOLATION OF MY RIGHTS 2 ) THE BANK HAS FAILED TO ADDRESS THIS PROBLEM AND AS A RESULT I STILL HAVE NO ACCESS TO MY ACCOUNT, STATEMENTS AND TRANSACTION LEDGERS. 3 ) THE BANK NEEDS TO PUT IN PLACE A SYSTEM IN PLACE THAT ADDRESSES THE NEED OF XXXX PEOPLE. 4 ) INSTRUCT TD BANK OF THE VIOLATION AND TO ADDRESS THIS PROBLEM WITHOUT MORE DELAY, EVEN IF ONE OF THEIR EMPLOYEES AT THE BRANCH HAS TO COME TO MY HOUSE TO DRIVE ME TO THE BANK. I HOPE THAT YOU ADDRESS THIS VIOLATION AS SOON AS POSSIBLE AND MAKE THE TD BANK ACCOUNTABLE FOR THEIR ACTIONS
Equifax has been non-compliant with removing the unverified account XXXX/XXXX  XXXX which has been deleted by XXXX   and XXXX  . XXXX  and XXXX  have both completed their research and determined that XXXX/XXXX  was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.