WillisBack/dataset-financial-user-claim huggingface dataset:
Unauthorized & unethical withdrawal of funds in the midst of paying not delinquent on time payments after speaking to several agents who assured & misinformed me of procedure. While literally in the middle of making on time payments, NFCU accosted funds on non pass due accounts. I use the " XXXX fund method '' of managing debt & so my young child 's lunch money account would not be affected by NFCU 's often egregious unauthorized access I was told by an NFCU agent to simply move any funds not owed into my Savings account. Unbeknownst to me until after my son 's school accounts were paid by check, upon reading a myriad of other complaints against NFCU 's underhanded practices, I checked my account, only to find that I was intentionally given misinformation by an NFCU agent. On  XX/XX/XXXX around XXXX EDT hen I inquired about this - & several other issues - that seemed to contradict info given me, I had several agents agree & transfer me to a supposed Supervisor who was rude & abrupt & hung up on me before I had an opportunity to even ask a single question. Ever bit of my XXXX  school age child 's lunch funds stipend of {$60.00} plus dollars had been taken without authorization leading to the epitome of un-integrity. To have a supposed Supervisor whose very job is to serve customers, hang up on me so abruptly was inconceivably unprofessional, especially in an organization owned my members. I had the names of every previous agent, yet when attempting to find out who said rude, unprofessional, utterly unconcerned NFCU agent to make the deplorable treatment known to her department head, all of a sudden there was no one willing to do their jobs & connect me with the agent who perpetrated such utterly incomprehensible action. There is ABSOLUTELY NO excuse for treating ANY customer in that fashion, & I will leave no stone unturned to have that lacky made accountable for her actions! Her treatment was UNACCEPTABLE.
Contacting me about other people I know accounts. Threatening to call the police and pull up at my residence. Employee used her job title to have XXXX XXXX with someone I know who has an account as well
We purchased our home inXXXX. My address is XXXX XXXX XXXX XXXX, NJ. We locked in our rate at under 3.25 % But my rate was changed by my bank ( a flat rate ) to 7.50 %. I paid this rate for more than two decades. InXX/XX/XXXX I complained and the bank said that they would now change the rate to 4.25 %. They never gave me any credit of monies for there admitted mistakes. And they would provide me with a modification which they said was permanent. I recently received information about my home being up for Sheriffs sale. In XX/XX/XXXX I owed {$24000.00}. And even though I have been in bankruptcy and paying the mortgage company directly I never saw a decrease in what was owed. Wells Fargo now has doubled the amount owed ( {$45000.00} ) and changed the rate to 4.75 % .They never told me that the XX/XX/XXXXmodification was temporary. And most recently I was rejected for a modification. And my home is listed every single month for Sheriffs sale. Wells Fargo has deceived me throughout this whole process. They have always cheated, and been dishonest about this whole process. I have never had any equity in my home. Not from the beginning until now. As a matter of fact Wells had my home equity as - {$25000.00}. I have small children and I have been diagnosed with XXXX XXXX   XXXX. My health is failing. I just want to be in peace XXXX XXXX XXXX XXXX. I as the your organization look throughly at all of the accounting from day one until now. The only thing that I want to happen with this matter is my Deed paid in full from Wells Fargo. I dont want any more temporary empty promises to pacify me in any way. That way I can live in peace XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Please help me, I have disputed previously a couple things with Equifax , provided them my ID 's so they can process, they decided to change my name to XXXX XXXX from XXXX XXXX XXXX which is my legal name, XXXX XXXX is NOT my name. There are also many addresses which are NOT accurate the only XXXX addresses they should have on my credit file is current mailing address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX and prior XXXX XXXX XXXX XXXX, TX XXXX. There is also an account with XXXX XXXX which is unknown to me. There are several mistakes listed. Can someone please help
Frost Bank did a hard pull on my credit without my consent. I inquired about a loan at a branch, gave all my personal information and asked to have my file sent to an underwriter. But I never agreed to have my credit pulled. No disclosures were given to me and no consent was obtained verbally or in writing. I called Frost Bank after a hard credit inquiry appeared on my credit report to have it removed. They were going to speak with the branch banker who had only ever taken one application prior to mine and get back to me. I called three times, spoke to employees in various offices, and a woman promised to get back to me. I told her this was clearly a regulatory violation ( FCRA and Regulation V ), reporting a credit inquiry without having obtained consent or providing disclosures. Please ask Frost Bank to remove this incorrect information from my credit report.
COMPLAINT DETAIL XXXX XXXX XXXX. 

On XXXX XXXX, XXXX I purchased a money order, for cash, from PLS Check cashers at XXXX XXXX XXXX, XXXX XXXX, NY XXXX. The money order was for {$500.00} and was payable to XXXX, my landlord, for my monthly rent. 
I mailed the money order to XXXX at XXXX, XXXX XXXX # XXXX, XXXX NJ XXXX. XXXX informed me that they did not receive the money order and after PLS researched for me I was given a copy of the money order which had been fraudulently altered to be payable to XXXX XXXX, to the order of XXXX XXXX XXXX. I do not know either XXXX XXXX or XXXX XXXX. 
On XXXX/XXXX/XXXX I completed an Affidavit of Alteration and was told by XXXX, Store XXXX at XXXX XXXX XXXX XXXX, XXXX, NY XXXX that it would take 6 months to research my problem. I also filed a police report. 
After 6 months I was told the research would take a year but I still received no information. I consulted with XXXX XXXX XXXX who also called PLS and were told that the research would take 18 months and no further information was available. XXXX XXXX XXXX wrote on my behalf to PLS and to XXXX XXXX, XXXX XXXX, Illinois the issuers of the money order but no further information has been received. 
It is now 21 months since I filed my Affidavit of Alteration. I believe I should receive repayment of {$500.00} or an explanation as to why that is not possible.
Harassing me at work, calling and harassing fellow coworkers, will not answer any questions with any form of pertinent information. Would not tell me what the company was other than a name.
Co-signed for someone on a vehicle that was repossessed without my knowledge. I was unaware the car was behind on payments prior to the repossession or I would have taken over the payments.
I have a checking account with Bank of America. The bank overdraft my account by issuing an overdraft fee when my account shows there was money in the account covering the purchase. The phone representatives were very rude and had XXXX excuses why the bank would put a false overdraft fee on my account. It appears they somehow switched the processing of transactions so that they could overdraft my account.
Infiniti Financial Services has reported many inaccurate statements of late payments and early lease termination on several accounts with them. These include Account numbers  XXXX  and  XXXX . I have not been late. Regarding account  XXXX , I was in dispute with them direct because they did not validate vehicle insurance when I leased my new vehicle from them in   XX/2016 . The  lease is therefore void and not valid. Also, they reported I was late in   XX/XX/XXXX  whe n we were in dispute and they said they would not. They never returned any of my phone calls.     They have reported on several other accounts with them. Stating falsely that I terminated lease early when I purchased a new lease from  XXXX   XXXX  in  XXXX  from  Infiniti Finance. I w as never told they would report lease terminated early.     They promised to remove all negative account information because I have not been late and I have not terminated any lease early.
I have had a checking account with Citizens Banks since 2006. The terms of the account was that if I have direct deposit from my paycheck the account was to be free of charge. Recently, I have noticed that I am being charged a servicing fee of $ XXXX/month. I would like to close this account and have all these fees waived since that was not part of what I agreed to. I have already cancelled my direct deposit from my payroll. I feel the charges are inappropriate and taking advantage of the consumer. 

Also, I have tried to change my name many times and they keep loosing my information. My new name is XXXX XXXX XXXX, no longer XXXX. I will attach a copy of my drivers license.
I am trying to review a account in which I am a authorized user and am not liable for the account, no one will will help me without a account number, I do not have that information. They keep hanging up on me
Chase Bank lied in response of a previous CFPB complaint I submitted. The case was closed despite their lies and my documentation that they lied. I submitted a follow-up complaint making the CFPB aware that Chase Bank lied in order to have their complaint closed. To my knowledge, it has not been processed and my record of it has been removed from the system. 

This attempt at deceiving a federal bureau to assist in defrauding their customers warrants an additional complaint.
A {$500.00} charge was initiated on the card by XXXX App on XX/XX/XXXX. The merchant promised to deliver 2 {$500.00} gift cards for this amount. The promised delivery date was XX/XX/XXXX. The merchant was contacted multiple times and eventually they promised a refund after the delivery date was missed. I have proof of these contacts. 

After receiving no refund, I opened a dispute on XX/XX/XXXX. According to my billing statement, it looked like the merchant had refunded me manually since the {$500.00} credit did not say anything about a temporary credit. I then canceled the dispute assuming that it was resolved. I contacted Chase via secure message to let them know I am ONLY canceling the dispute under the assumption the merchant has done a refund on their end. This was obviously not the case, and on XX/XX/XXXX Chase rebilled me {$500.00}. 

I contacted Chase on XX/XX/XXXX and was told I needed to fax in a letter to reopen the dispute and get the {$500.00} credited back. I did so the same day. I then contacted Chase on XX/XX/XXXX to check on the status, and Chase informed me they had not received the fax. I was told that I needed to send it again to reopen the dispute. I have confirmation that the fax was submitted.
I am writing you to express my concern about the closure of my checking account and my name put in the XXXX XXXX XXXX. On XX/XX/XXXX, I contacted your customer service department to make arrangements to bring the account current. I spoke with one of your representatives and explained that I can make a deposit on XX/XX/XXXX which is my payday. The representative was agreeable and told me that I can make the payment on XX/XX/XXXX. On XX/XX/XXXX I checked that account to see how much I would need to deposit and discovered that the account had been closed. I then immediately contact Wells Fargo customer service department and spoke with a representative named XXXX. I explained to XXXX what had transpired and she checked the account and acknowledged that the account had been closed. I then explained to her that I had made arrangements to make a deposit on the XX/XX/XXXX. She checked and said that a statement had been put into my account stating that she had given me until XX/XX/XXXX to bring account current. Then I asked XXXX, why was the account closed, she stated that accounts automatically close after 60 days, which my response was, Why did the previous customer representative agreed to let me make my account current on XX/XX/XXXX. She was unable to give me an answer. I requested to speak with someone in the executive office, she then transferred me to someone named XXXX or XXXX whom stated he was a representative of the executive office. I explained to XXXX XXXX the situation and right off the bag he began to state that all accounts are closed within the 60 day period. I went on to ask hem had he reviewed my account, he stated not yet. I then asked him how you can be judgmental about this account until you do a thorough review. I also explained that I was given until theXX/XX/XXXX to bring account current. He stated the representative must have made a mistake. I then asked him why I should be penalized because of a mistake your representative. He was unable to answer that question. I found XXXX XXXX XXXX to be cold and uncaring about customers. I then told him all I want to do is pay the overdraft and not have my name put in XXXX XXXX XXXX. He then replied we report all accounts that are closed. At this point I decided I was hitting my head against a wall. XXXX XXXX stated he will investigate and call me back. I was not available for the next several days due to I was on travel. I returned today and did have a message from XXXX XXXX stating that he called, but didnt leave a resolution. I am writing this letter to you with an attached a courtesy copy of a summons that I will file to protect myself from being unjustly put in to a checking system XXXX XXXX XXXX after arrangements was made with a Wells Fargo representative to allow me to make my account current on XX/XX/XXXX. I dont want to reopen an account with your bank. I just want to pay the overdrawn amount and not have my name put in the XXXX XXXX XXXX. I will be looking forward to your response.
so on the  XXXX  of  XXXX    XXXX   I received an email from Best B uy ( BB ) th anking me for my order. the email was timestamped  XXXX .     But I did n't order anything.     I found the email and read it sometime before   XXXX   XXXX   XXXX   that day because I had already call ed citibank/bestbuy had the car d canceled and changed my password on all my accounts. My balance on the card is  XXXX  today.     However I wondered what would happen to the {$1600.00} laptop that was ordered. Would BB actually ship it? I was dismayed to learn that even no more than  90  min after the order was made e ven CS at BB could  not cancel the order but they informed me that the matter had been sent to their fraud department whatever that means. I have to say that th e BB CS was abysmal I can t imagine anyt hing worse. They didn ' t seem to care about the fraud, or want to discuss what would happen next but they were very interested in verifying my identity. This order was made online and I ha ve the BB  card, it has never left this house.     The person receiving the order is "  XXXX   XXXX   XXXX  '' in  XXXX   XXXX   XXXX   XXXX   XXXX  NJ.   Needless to say orders are not charged until shipped an d Citicards/BB said  it would not ship as there was no valid card active.     However it did ship and is on its way. I have been told that I am not responsible as I reported the fraud before it was shipped but what I want to know whose card was charged or is this a ploy of UPS/BB to intercept and arrest whoever signs for the package on the  XXXX  of  XXXX ??   I have not been able to get any assistance from  CIti or Best Buy on this matter and I am turning to you to help me understand since BB will no t or can not tell me why they sent  XXXX  dollar order that no one had paid for.     I tried to contact  XXXX  but there was no way to do so, I tried to call the police department in  XXXX   XXXX  but they hung up on me. Nobody wants to stop this crime.
I submitted a complaint to XXXX, TransUnion and XXXX and they verified the following accounts : XXXX XXXX credit cards, XXXX XXXX XXXX credit cards, and XXXX XXXX credit card. I sent them a request for the verification of the documentation they have on file for these creditors per section 611 ( 5 ) ( a ) of the FCRA. But they continue to report the information would providing me with the proof of " signed documentation '' from their systems. I sent the letter certified letter return receipt on XX/XX/2017 and I also faxed it on XX/XX/2017. Verification only required a 15 day turn around by law and none of the XXXX reporting agencies have responded to my request. Thank you for your time and consideration.
I was attempting to do a modification on home XX/XX/2015.I was instructed to submit certain documents which I complied to in a timely manner. I check in periodically with the financial institution on a regular basis to check the status on modification which I was instructed that they needed more documents on XXXX separate occasions I complied right away. At which time I was notify that the sales date had been put on hold. I was told that the paperwork that was needed was receive and complete and the documents were on there way to the underwriter. I check back to make sure that the underwriter had receive my documents at which time they told me that it takes up to XXXX hours for the underwriter to review them. That was on the XXXX of XXXX. I was told to check back on the XXXX of XXXX which was a Monday because they were closed on the weekend. I check back on Monday and was told that the house went up for sale on XXXX the XXXX of XXXX. At that point I checked with the auction and was told that the house did not sale it went back to the bank. I called the bank back and they said the could not help me it was out of there hands. I obtain representation to the sales date resend they did not help me. I was to contact CFPB to see if they can help me to get the sales date resended.
Chase charged {$5000.00} in unneeded overdrafts things like charges going through twice can you demand that Chase open a new account with the XXXX in the account?
Poor DSL service was at a rental house I owned. XXXX service cancelled by occupant to obtain service from XXXX on XXXX XXXX, 2013. Bill in dispute was never sent to my home and was for services not provided by XXXX. I had no Knowledge of bill until XXXX contacted by recovery company. 
Service by XXXX - DSL service for this address was not my responsibility. Charges were dismissed by XXXX with XXXX and have now been filed by AFNI.
I was using overdrawn my bank account and did n't had a change to pay and cover is up. Because i was on vacation, wen I return and try ti make the payment my bank is being report to early warning are ready so I ca n't open any bank. So i wan to get removed from early warning so i can open a bank again. I need a bank so my parents can able to send me money to used it and able to make payment plus to rent a place to stay.
On XX/XX/2017 Midland Credit Management ( MCM ) contacted my husband at work at an inconvenient time for him to be getting a call. He calls back to inquire as to the purpose of the call and the representative he spoke to identified themselves as a debt collector and the purpose of the call was to collect a debt. 

The representative proceeded to tell my husband ( a 3rd party person ) the amount owed and how he was going to pay it. My husband told the man that he just broke a federal law and hung up. 

I called the company and authorized my husband to speak to them on my behalf just this once in regards to the debt. My husband called them back on his break and asked for a representative from the US and was placed on hold for over XXXX minutes and hung up as he had to get back to work. In XXXX minutes, MCM called him 2 more times while at work resulting in harassment. 

The following day, XX/XX/2017, MCM contacted my husband again in regards to the debt while at work. After my husband got off of work he called them back to verify if it was the same company. Another representative proceeded to tell my husband that it was an attempt to collect a debt and provided the amount owed. 

Twice in 2 days MCM has broken FDCPA law by speaking to a 3rd party about my debt owed and attempted to collect from him. FDCPA states that a debt collector may not discuss the debt with a 3rd party and can only call a 3rd party one time in order to locate the customer.
There is a hard inquiry from XXXX XXXX for Utilities/Fuel and Telephone Companies on my XXXX and Equifax credit reports. First, I have zero affiliation with XXXX XXXX in any capacity ; second, they are a telephone services company and NOT a utilities/fuel company. Both initiated an immediate red flag for me. The hard inquiry is negatively effecting my credit score. The inquiry was made on XX/XX/2018. This is all appearing on both my XXXX and Equifax credit reports shown through the XXXX XXXX website. I have spoken with a representative at XXXX XXXX in the fraud department and confirmed the hard inquiry.
Dear Federal Trade Commission : This is a letter serves as a formal investigation request investigation for a breached agreement by Focus Recovery Solutions. 

On XX/XX/2018, Focus Recovery Solutions mailed a counter-offer in response to my original settlement letter dated XX/XX/2018. On XX/XX/2018 I faxed a letter accepting their counter offer in the amount of {$390.00} contingent upon deletion and any negative remarks on this account. 

Despite my financial hardships due to their willingness to resolve this account I paid the counter offer as agreed on XX/XX/2018. I feel as though their eagerness to help me resolve this account was a form of deception get me pay with no intentions of removing from my credit after settlement. 

On XX/XX/2018 not only did they update this account on my credit report as a new collection account they added a negative remark indicating this account was settled for less than the original amount owed. Their actions not only dropped my credit score 21 points but has cause other revolving accounts to affirmation actions to include lessening my credit limits based off current credit score. 

I am requesting the immediate removal of this account that i am no longer liable for. Should this account status remain on my credit report, I ask that my payment of {$390.00} be returned for breach of contract and any further communications cease. 

Thanks in advance for your prompt assistance in this matter.
I went to a college in XXXX XXXX florida XXXX they closed bankrupted before I could finish I tried to transfer no one would take the credits stated that the loan was given to non credited teachers. Not sure but I know I did not get what I paid for. But in my credit report the loan is over and over it started XXXX XXXX then it moved to XXXX XXXX XXXX now its sometibg else. The loan is from 1992. It has put more weight on me keeping me from getting loans jobs a home. Because its on my report over and over. It says on my credit report I took the loan out when I was XXXX years old. It has I owe XXXX for a XXXX XXXX that I never was able to finish nor had enough knowledge to even get a entry level position. I paid XXXX XXXX   a year and a half and its just as bad as before but even worse now