WillisBack/dataset-financial-user-claim huggingface dataset:
Suntrust Bank I applied online to get a bank account and it was approved and opened up. About a week or so later I received a letter from the Back office department stating that the account will be closed due to information reported with XXXX XXXX Services. So I left it at that knowing the account was going to be closed and I would have to find a bank somewhere else. Now a few years later I start to clear my credit and pulled and asked for a Consumer report from XXXX and Suntrust Bank has me listed as Non-Sufficeint Fund ( NSF ) Activity and is reporting that I owe them {$84.00}. Now I called the customer services and they stated my account was charged several return check fees and that I had to pay and they would update XXXX and XXXX XXXX Systems. What?? How can you do that when you told me the account was not going to be left open because you closed it due to reported information from XXXX XXXX Services. Such a XXXX double standard
This is our second complaint. Nationstar Mortgage promised on  XXXX   XXXX  to expedite our refund - the woman on the phone told us they were sending the refund TO US. Now, they say they 're sending it to the new mortgage holder with whom we have no relationship at this time. This is entirely unacceptable and is theft.
I initiated a transfer from Bank of American on XXXX/XXXX/2016 that was received by PFCU on XX/XX/XXXX. On Tuesday, XXXX/XXXX/2016 I received an email from Bank of America that Billpay or transfers are now inaccessible. The transfer that was made to XXXX XXXX XXXX XXXX ... 5 days prior to receiving the email about transfers being inaccessible. XXXX charged me a {$30.00} returned ACH fee due to BOA taking the money back 5 days later. BOA Branch said they ca n't do anything.
I am contacting your agency because I need your help in disputing some charges done on my Mastercard XXXX XXXX XXXX XXXX Citibank credit card by a fraudulent company. I have paid several companies thousands of dollars for various online business related and have found myself as a victim of a professionally orchestrated scam. After I paid one company my phone got inundated with calls from these companies offering me their services. I would like you to investigate a all charges done on my card by a company called XXXX XXXX XXXX charged on XXXX/XXXX/2016 {$3000.00} and the have been charging {$99.00} per month since XXXX last year. I paid them after their persuasive salesperson made me promises of a very profitable online business.. I never made a penny.They kept saying how important their services were and would bring traffic to my website. I have been lied to and charged for services that have not been provided as promised. They have used false and misleading tactics and it is clear that they never intended to fulfill their end of the deal. I tried to resolve directly with the company and get my refund but they ignored my requests.I know its been a long time but I need your help in trying to contact my bank so they can open an investigation please. Thank you in advance.
I have attempted through disputes, on several occasions to get Equifax to remove tax liens from my credit history. I have supplied them with actual notices and copies of recorded documents indicating lien withdrawal from the Federal IRS for the liens in question. The courthouses in question do not have a category for Tax Lien withdrawal, so they file them as " lien releases '' which is not an accurate categorization. Equifax has done only half of an investigation into this issue by looking only at the title of categorization listed online, rather than actually opening the documents and verifying them.
I receive a letter ( attached ) from this collection agency.I called them on Friday XXXX XXXX at XXXX and spoke to " XXXX '', verbally agreed to pay {$50.00} every XXXX of the month starting on XX/XX/XXXX.which I did ( Money orders attached ) but they did not care and sent it to the Credit Bureau contrary to what we agreed verbally.this upset me and did not pay XX/XX/XXXX, so I am looking for help.
I have excellent credit.  XXXX   XXXX  inquiry should be removed    XXXX    2017   . Still appears according to my credit card company. Removing it would cause my score to increase  XXXX  to  XXXX  points. Tried to access report #  XXXX  online to dispute. Could not.
I have an FHA loan. My lender has refused to work with me so that I can save my home. I have a monthly mortgage payment which is XXXX % of my income. I have an XXXX-year-old XXXX living with me who gets XXXX and I have my wife and our XXXX children living with us and our grandson. I have repeatedly tried to work out this situation with the lender. Turning in several modification packets that were denied before the deadline for turning in the packet. Then at the last minute ( 3 weeks before the sale date ) we were sent a modification packet ( XX/XX/XXXX ) that we were suppose to have a 30 day period to turn in. We turned it in on XXXX XXXX, 2016 before the 30-day period was over and then called and found out that they denied us and said we were too late getting it in. My house is scheduled to be foreclosed on XXXX XXXX, 2016. Please help.
I have a checking account with Comerica Bank for many years. On XXXX XXXX of 2016 I deposited {$4000.00} into my account, the deposit was in the form of XXXX money orders of {$1000.00} each. As usual I received a receipt of {$4000.00} deposited into my account. I monitor my account online at Comerica Online Banking. Comerica Bank online banking indicate that my account after clearing certain payments, my account ended with a positive balance of {$590.00} on XXXX XXXX of 2016. On XXXX XXXX of 2016 Comerica Bank charged a total of {$270.00} of overdraft fees, XXXX times {$25.00} in overdraft fees. On XXXX XXXX of 2016 my account ended with a positive balance of {$590.00} after clearing all payments ; on XXXX XXXX of 2016 my account ended with a positive balance of {$590.00} even after Comerica Bank deducted {$270.00} in overdraft fees. I called Comerica toll free phone number to ask why my account is charged overdraft fees when the account never had a negative balance ; the person answering the phone had no answer and directed to contact the branch where my account was opened ( XXXX, CA ). Next day I went to my branch and contacted the branch assistant manager about the overdraft fees ; she was very understanding but said that only the branch manager make a decision in refunding the fees. I had to leave to open my small business ; I was assured by the assistant manager that she will talk to the branch manager and a refund will be initiated. I waited one week and nothing happened. after a week I went back to the branch and talked directly to the branch manager, I presented him with copy of deposit of {$4000.00} and a printout of my account ledger from Comerica Online Banking indicating that my account had never had a negative balance after all payments cleared on XXXX XXXX of 2016 therefore Comerica Bank should not charge me overdraft fees of XXXX the next day. The branch manager ask me for my cell phone number and that he will research this matter and call me by the next day. I met with him on XXXX XXXX of 2016 as of this writing I never heard from him ; he never called nor he refunded the {$270.00} in overdraft fees. To conclude, I want Comerica Bank to refund into my account {$270.00}.
All four major credit bureaus have illegally hoarded my personal information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act all 4 credit bureaus violated all privacy  rights and allowed my personal information to be leaked due to their and false misleading ways. According to the Fair Debt Collection Practices Act all four credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others. 

45 U.S. Code 231k - Incompetence ( a ) Every individual receiving or claiming benefits, or to whom any right or privilege is extended, under this subchapter or any other Act of Congress now or hereafter administered, in whole or in part, by the Board shall be conclusively presumed to have been competent until the date on which the Board receives written notice, in a form and manner acceptable to the Board, that he is an incompetent, or a minor, for whom a guardian or other person legally vested with the care of his person or estate has been appointed : Provided, however, That, regardless of the legal competency or incompetency of an individual entitled to a benefit administered by the Board, the Board may, if it finds the interest of such individual to be served thereby, recognize actions by, and conduct transactions with, and make payments to, such individual, or recognize actions by, and conduct transactions with, and make payments to, a relative or some other person for such individuals use and benefit. 
( b ) Every guardian or other person legally vested with the care of the person or estate of an incompetent or minor who is receiving or claiming benefits, or to whom any right or privilege is extended, under this subchapter or any other Act of Congress now or hereafter administered, in whole or in part, by the Board shall have power everywhere, in the manner and to the extent prescribed by the Board, but subject to the provisions of the preceding subsection, to take any action necessary or appropriate to perfect any right or exercise any privilege of the incompetent or minor and to conduct all transactions on his behalf under this subchapter or any other Act of Congress now or hereafter administered, in whole or in part, by the Board. Any payment made pursuant to the provisions of this section shall be a complete settlement and satisfaction of any claim, right, or interest in and to such payment. 
give it to you in ( A ) and take it away in ( B )
Equifaxs XXXX and XXXX remove my public record XX/XX/2018 and it has showed back up my my credit file as of XXXX sent in letters to them asking them how they verify public record they say through bankruptcy court which is a lie I sent them proof from the court and proof pacer which both states they dont verify anything with XXXX
PennyMac is charging us for taxes although we are now tax exempt by XXXX County Texas.
Ive sent 2 letters asking for proof that this is my account but only received my name and emergency information Info but no signatures or any original documents. I want to see a discharge paperwork or some kind of signature proving that the debt is mine.
I feel that the interest charged on my account is incorrect because although I make payment outside of my normal due date, it takes DAYS to be credited and interest is charged during this time. As a result of this, I tried to pay my account in full using a credit card because it is supposed to be posted the same day. When I enter my card information, I receive an error and told to call a number. I called the number several times and it is an automated loop. I called another number which is for " alternate ways to make payment '', I am kept on hold for unreasonable amounts of time. I just want to pay this account off and be done.
We are writing a formal letter to express our sincere disappointment and concern with services received with Navy Federal Credit Union Mortgage department in XXXX ( XXXX XXXX, XXXX XXXX, and XXXX XXXX ). Communication between ourselves, the loan officers and loan processors was subpar and did not meet expectations. The reason for this complaint is that we are also concerned with misinformation received at various points of the process. Whether this was intentional and predatory, or agents were ill informed this is a cause for great concern. Copy of the full letter submitted to the parties involved will be faxed, which include specific issues with dates and screenshots. An attempt was made to resolve the issues on XX/XX/18, transcripts of that email will be faxed as well.
Bank of America just last week, without warning, closed all XXXX of my credit card accounts with them. I just got the letters on the weekend, they were all identical and all dated XX/XX/2016. There was no apparent reason for the closure other than my having actually USED the accounts, you know, as in, I dared to actually use the amount of credit they had already assigned and granted to me! -- and another reason cited was " the state of the overall economy. '' As a result of closing absolutely everything, when I asked again today to have a NSF fee reversed as the payment had been made a month ago from a different account, not XXXX which got me in trouble with this payment when they closed my line of credit without telling me and without a reason. So in speaking to Bank of AMerica today, I was told first that the agent " could n't understand why it would not reverse '', and then she said " oh, the reason it wo n't allow me to reverse it is because the account is closed. '' So I told her that I had originally requested that the {$26.00} fee be reversed on XX/XX/2016, in other words more than a month ago when I had made the {$76.00} payment from my other bank ( XXXX ) account -- -and when my XXXX Bank of America accounts were all open. Apparently the request was forgotten, lost, pigeon-holed, or denied without telling me, because it was never reversed. I just got my credit card statement yesterday and in looking for that reversal I noticed that there was no reversal of the {$26.00} fee as I had requested, so I called to get that fee reversed today and that is when I was told that NOW it " could NOT BE REVERSED because the account was closed. ''
CRA VIOLATION / NO KNOWLEDGE OF THE FRAUDULENT ACCOUNT DUE TO ID THEFT APPEARED ON MY EQUIFAX CREDIT REPORT. 
FTC ID THEFT REPORT # XXXX
I have disputed the inaccurate reporting of XXXX XXXX XXXX XXXX several times.They are reporting that I owe {$130.00} to XXXX. I do not owe XXXX and this is inaccurate information. XXXX is reporting this false information to Credit Bureaus under different names also. Under XXXX it is XXXX XXXX XXXX XXXX   and Equifax XXXX XXXX XXXX XXXX. The investigation into this inaccurate account has been less than adequate.
The original lender for my loan was Countrywide, which went out of business. Its advertising was deceiving because it advertised affordable mortgages. My mortgage monthly payments increased dramatically, making it impossible for me to keep current with my mortgage. In 2009, Countrywide contacted me to pay {$4000.00} to bring my account current. Country wide took the {$4000.00} and other monies from me, claiming that it would bring my account current but it did not. I tried in several occasions to modify my loan but I was always denied. It is as if the bank wants people to lose their homes. The lender is not working in good faith and I have question the legality of the origins of my loan.
I have a medical collection from XXXX XXXX XXXX on my Experian credit report that is unknown to me. It has only ever reported to Experian, since I discovered it. I sent an initial dispute to Experian notifying them this was not my account. Experian claimed their investigation verified the account belonged to me and if I wished to dispute the account to contact the data furnisher for additional information. I then mailed the Collection Agency ( XXXX ) a certified letter whom did not respond to my request to provide information that this medical account belonged to me. I followed up with another dispute to Experian via certified mail, notifying them that I followed their outlined procedure by requesting the information from the collection agency. In response back from Experian, they stated that the results of their investigation were updated in my file. In another attempt to further determine if this was my account I sent a certified letter to the original creditor listed and they did not accept my letter. It was returned to me. I am frustrated that this account continues to report on my report and the collection agency verifies it, but not them nor Experian has provided any information to support that it does in fact belong to me. From what I understand to report anything medically related that they would be able to provide a copy of a XXXX release showing they have the right to report this account they claim to be mine or that they have a business relationship with the original creditor, which grants them the right to disclose private medical information.
I was advised by the Internal Revenue Service that my social security number and other confidential information were compromised. Sometime in XXXX to XXXX my personal details were stolen and have been used up to XXXX XXXX when a security alert had been placed on my credit files. These fraudulent accounts range from medical ; utility accounts and credit card accounts and must be deleted from my history. I forward the details of these accounts in question and a copy of the Identity Theft Affidavit and I have had no response from both the credit bureaus and the creditor/collections agent.
I have tried and tried to dispute a bankruptcy for months and months and it just keeps coming back as verified which trans union will not send me who they talked to and what was said between both parties and what dates i am aware that Credit reporting Agencies are suppose to go to the actual furnisher now to verify the accuracy of this negative item on my report which Trans union has failed to provide me anything from the court saying that this is my record and that it has been verified by said person and at their number so now that i have said this i am certain that trans union has violated my rights under the fair credit reporting act which means they provide me with the proof of the results from the original furnisher which would be the us bankruptcy court i would believe and pacer is not a form of verifying from the original furnisher and Trans union cant tell me this time that i have n't sent in a dispute about this because i got my dispute results from  XXXX / XXXX /2017 which says the bankruptcy was verified and unchanged for one if someone has a discharged bankruptcy and has an amount of   XXXX   as a discharged amount or liability of   XXXX   then it is being reported wrong on everyone 's report besides mine so please respond with proof from the us bankruptcy court in   XXXX   XXXX   XXXX   to prove this is my bankruptcy or get this off my record now
I have not been contacted about this negative balance. I believe its through Alpine Credit or XXXX. This account was positive before I closed it and I do not understand why its still negative. I would like to get this issue resolved immediately because it is affecting my credit score immensely. I have had no debt collector call me or any mail correspondence delivered to me.
I have called and i have sent certified letters to Experian all with return reciepts as proof of delivery. 
I reached out to Experian about a fraud address on my report. They did an investigation and removed the fraud address from my report. 
When they removed the fraudulent address from my credit file they should have also remove the fraudulent account associated with that address. 
XXXX is not my account. ( past due180 days ) ( {$7200.00} is not my account ) This account was not open by me or anyone i know. 
( NO OTHER CRA IS REPORTING THIS AFTER THEY DID AN INVESTIGATION ONLY EXPERIAN. XXXX REMOVED IT, XXXX REMOVED IT. THEY DID A PROPER INVESTIGATION. ) I will be filing a law suite against Experian and will be seeking damages for all of the pain and expences that Experian has caused me and my family and for not doing a proper investigation into the matter. 
When i ask that you investigate an account and you just simply verify the account with the creditor and consider that a proper investigation, then you are very wrong. 
I will be giving you one more opportunity to do a proper investigation before i file suite in my county and state against you.
US Bank credit card with zero percent offer balance & purchases. Although the purchases are being paid off monthly, the bank still charges an interest charge because there is another balance on the card ( at zero interest ). contacted the bank every month it occurs however the reps just reverse the fee and tell me to call again when that occurs instead of working on fixing the issue. Payments must go to higher interest balances first so paying off the purchases before the due date should not cause any interest charges.
ive ' had my american express card for over 15 years. my credit limit on this one card is over XXXX XXXX an amount im ' far from reaching. about a week ago, i faxed american express regarding some seven diff airline tickets at like seven diff airports withing two day window. not one signature from me verifying the charges and thats ' fine like who needs verification for that. i guess privacy concers are all talk. lem me explain myself. not once have i crossed the treshhold of my  credit limit, not once did i even come close. today i tried to use my card for a recurring cell phone bill of XXXX dollars..two or three days ago i sent XXXX XXXX on my acct balance. not once did anyone from amex call me to say hey youre late on your acct but for gods sake to have them shut down my card until i pay XXXX dollars oh then the guy goes theres a XXXX dollar late fee due and next breathe goes we didnt get payment since XXXX ... are we in XXXX yet? why does consumer finance even exist. and can you imagine how many have access to my hey i have a question since my credit limit over XXXX XXXX, if i had a sero balance and bought a XXXX XXXX dollar diamond would amex cut me off at XXXX XXXX and go, dont gove that dismond just yet, we acknowledge their credit limit not XXXX XXXX but over XXXX XXXX but until they pay XXXX dollar reaching XXXX XXXX thresh hold dont give that diamond just yet what kind ofcommerce based is this?
Stellar Recovery has placed an illegal erroneous account in the amount of {$1600.00} on my credit reports. It is not mine and this company is causing me immense complications and frustrations because of it. 

I am seeking to have it removed fro my XXXX, XXXX, and XXXX credit reports immediately. 

I have never had any business, ordered service, or had correspondence ( to or from ) with this company, nor the company they say they represent ( XXXX ). 

All my attempts to validate this debt has went without response by Stellar Recovery.
In XXXX, I received a notice from Chase Credit Card Services that my credit card rate was below market at 14.5 % and that my rate was being raised to 16.5 % effective XXXX 2017. I have never been late on the card and have been a loyal customer. I was informed by Chase that if I did not want to pay the 16.5 % I can close my account. I submitted a written request to Chase to cancel this amendment to my credit card rate and honor the 14.5 % rate they provided pursuant to my credit card agreement. All consumers are aware of the impact to your credit score when closing an account. This is an egregious practice in interest rate hikes to consumers and should be stopped. Chase provided no other option besides closing of the account.
I recently submitted a complaint against Ocwen ( my second complaint against them ) through the CFPB due to an Escrow/payment increase/notice issue. I realized today that after I submitted the complaint to the CFPB, Ocwen chose to reverse my previous XXXX loan payments. I called Ocwen to find out why these payments were reversed and they could n't tell me why. They did assure me that the payments were reapplied to the account. However according to the customer online payment history through the Ocwen website, it does not show the payments were ever reapplied. An escrow review should not require a multi-payment reversal. I feel as though Ocwen is retaliating against me for making complaints against them to the CFPB. 
I have never missed a payment and do not know why Ocwen continues to make things difficult for me to ensure my account is serviced correctly. I am XXXX and I am even having a difficult time figuring out what is occurring and why action is being taken on my account. In my professional experience, inaccuracies and misapplication of funds tend to increase with multiple reversals and reapplication of payments.