WillisBack/dataset-financial-user-claim huggingface dataset:
I have been a loyal customer to Capital 360 since XXXX. In XXXX, we established a Trust, and per our Attorney, ALL of our assets are in the name of our Trust, including our bank accounts at Capital 360. Capital 360 has recently offered a XXXX XXXX account. We were informed that although our current status are ALL Trust accounts, we are not able to open a money market in the name of our Trust. I asked to speak with a manager and was directed to XXXX ( Employee # XXXX ). XXXX confirmed they were unwilling/unable to open a money market under our already established Trust accounts. I asked to speak with his manager, as we are already established customers with established Trust accounts and he declared that there was no one else for me to speak to regarding the matter and that I could periodically check back for changes in their policy. This refusal to open a money market account in the name of our Trust, considering we already have XXXX other accounts in the name of our Trust, appears to be random and discriminatory towards people who elect to have their financial affairs in order. XXXX insistence that he has the final say in the discussion of this inane policy was ridiculous, and this matter needs to addressed ensure inclusivity -- especially to established customers!
I have received emails from a company called XXXX XXXX XXXX   and XXXX XXXX regarding my approval for payday loans that I did not apply for. I've also received text messages that I've stated to stop as well. I also have XXXX XXXX to help monitor the situation. 

Email Addresses : XXXX, XXXX XXXX
When i took loan out i wasnt told the interest rate just that it was like XXXX interest fee that i agreed to and now they keep calling saying they are going to sue me and be home at this time so they can serve me legal documents to sign this is from castle payday loans online in ohio
I received an annual escrow disclosure statement from Mid America Mortgage company on XX/XX/2017 informing me that my escrow payment was going up {$200.00} a month due to a 473 % increase in my city taxes. This was not accurate and I have since been trying to request a new escrow analysis and updated payment. It has been over four months now that I have been requesting them to look into and resolve the issue, to no avail.
convergent outsourcing, inc., is trying to collect a debt that is not mine. they say I owe XXXX but I do not owe any money to XXXX. same scam happened to me 2 years ago and I accidently sent XXXX to a different company that said I owed XXXX money. spoke to XXXX 2 years ago and they confirmed that I did not owe them any money.
I had a XXXX Credit Card account investigate though Equifax. After 30 days of investigation the account was deleted. I have a XXXX account which is updated every 7 days and the credit card account is being reported once again. What 's the since of trying to solve your credit situation and we as consumers are constantly battling with theses agencies and the information gets put back on the report after a month or a couples of months.
I made a request for a copy of my online application filled out online to get this credit card XX/XX/2018. May I have a copy of my online application filled out online to get this credit card?
I have a credit card with Wells Fargo. The " due date '' on my account is the XXXX of every month. ON XXXX XXXX, 2015 I went to my online account with Wells Fargo ready to make a payment to my account ... .this was at XXXX. When I opened my file and looked at my account online, my balance had gone up {$35.00} with no explanation ... additionally there were alert messages in red stating " Your account is over limit, remit payment at once ''. I had not charged anything with that card and looked at the definition of " date due '' ... .which clearly states that you have until XXXX on that business day to make a payment BEFORE late fees are issued. 
My complaint is that Wells Fargo is assessing a " late fee '' at the beginning of the day on the date due and not at the end of the day, as the law reads. I feel that this is illegal and should be looked into. Thank You
I have a recently opened credit card with Citi.
It is an AAdvantage MasterCard.
As you can see from the attached, I have a revolving credit limit of {$5000.00}, of which {$1500.00} can be used for cash advances.
Fine.
I went into the bank for a {$1000.00} cash advance on Friday,XX/XX/XXXX. I wanted a cash advance for the very long, XXXX XXXX weekend. I was declined.
I spoke with a bank employee, very friendly, named XXXX XXXX She called the banks " back office '' in XXXX ( XXXX XXXX XXXX ) and spoke with XXXX, and was told two things.
First, there had been fraudulent charges on my account. Second, I could only make my cash advances in some kind of increment and, after 45 days, could take {$1000.00}.
I told XXXX that if there had been fraud on my account, then why was n't I notified. XXXX was told that the phone number for me could not be validated. My phone number is XXXX XXXX XXXX and is the exact same phone number that I used to open the account.
This would not do. I would have to give them another number - one that could be validated - and they would leave me a message there. I gave them my home phone number and, in fact, they left me a " code '' at that number. The code was XXXX. I was to call the " back office '' myself, give them that code, and then I should be " ok '' to take my cash advance.
The long weekend has passed.
However, on Wednesday, I went back to the bank with my code. I was unable to speak with XXXX and instead spoke with XXXX XXXX. Also very friendly.
We called the " back office '' again with the code. XXXX confirmed what had occured and passed the phone to me. I confirmed that there had been no fraudulent charges on the account. There were no fraudulent charges on the account.
Fine. I was ready to go to the teller window and request my cash advance, according to XXXX in the back office.
I went to the teller window for my cash advance and was declined.
I went back to XXXX He and I were both perplexed.
Called the " back office '' and XXXX spoke with XXXX. XXXX explained to XXXX  that I can only take out increments of {$500.00} and no more. He also explained to XXXX something about a 45 day hold, etc.
I asked XXXX after he had been on the phone with them for a while, what was going on and did he understand what they were talking about. No, he said.
So, long story short, I need to understand from the bank why I could n't take out a {$1000.00} cash advance when everything that I 've gotten from them says that I can.
I have included a recent email from XXXX XXXX telling me that my credit is excellent, by the way.
Your help with this is very appreciated. I can get no answers from the bank.
Thank you.
I am being wrongfully foreclosed on by Ocwen. They agreed to a short sale on XXXX/XXXX/2015 but OCWEN sent me the notice of trustee sale without giving me a notice of default. My Realtor XXXX XXXX XXXX has submitted several offers that OCWEN has not bothered to fully examine before declining nor they have not performed an interior BPO on the home to establish the value. They refuse to postpone the trustee sale which is scheduled on XXXX/XXXX/2015 even though I have no where to go, they have also refused to give me a moving incentive because they stated that I did not qualify BUT they never stated why I did not qualify.
In XX/XX/XXXX I got a loan from XXXX XXXX. I defaulted in XX/XX/XXXX and property was sold. Then it was transferred to XXXX XXXX. In XX/XX/XXXX XXXX XXXX  changed balance due from {$17000.00} to {$29000.00}. I disputed this and then they did an unauthorized hard inquiry. I disputed that in XX/XX/XXXX and they did another unauthorized hard inquiry. Since then all account info has been removed but the unauthorized hard inquires still remained. XXXX said they take a while to update. Do after waiting a year I disputed it again. Once South State Bank was contacted they did another unauthorized hard inquiry last week. I call XXXX  and was told by " XXXX '' that there's nothing they could do to stop or remove them. I needed to lock my file. I talked to XXXX in there lock Dept and she said they could remove them but I would have to be transferred back to dispute Dept. Well this time " XXXX '' answers and says there's nothing they can do. But amazingly XXXX and XXXX sound like the very same person on the phone and when I told her this we got disconnected. So I need help. If I contact the company they will just do another hard inquiry. They are doing it just to affect my credit score. I finally got my credit back to fairly good since my divorce in XX/XX/XXXX and having someone run up over 89k in debt in my name.
I am a victim of identity theft. I have been a victim of identity theft for over 6 years. The following accounts and credit inquiries are unauthorized, fraudulent and the result of identity theft : XXXX XXXX XXXX, XXXX XXXX Bank XXXX, XXXX/XXXX/XXXX, XXXX XXXX Bank XXXX, XXXX/XXXX/XXXX, XXXX XXXX Bank XXXX, XXXX/XXXX/XXXX, XXXX XXXX Bank, XXXX/XXXX/XXXX and XXXX XXXX XXXX/XXXX/XXXX.
In fall of XXXX, I cancelled my home internet, cable and phone with XXXX to take an offer another company. I paid my bill and XXXX sent a box to return the equipment. That box never arrived, so I called and asked for another box. I returned the equipment ( modem ) in that box and that was that. 

Starting in XXXX, various collection agencies attach a $ XXXX collection to my credit report. Calls to XXXX are completely unhelpful - after hours, I finally found out that they are stating that I never returned the modem and that is the charge with the collection agencies. The collection agencies won't remove it and XXXX won't remove it as it has " gone to collections '', but it is not payment that I owe, so I refuse to pay any amount. 

Just recently, another collection agency posted to my credit report that this was a new debt from XX/XX/XXXX, so I don't even have the option of it aging out of the system ever.
Our loan is with XXXX XXXX. We were making XXXX payments ( and still are ) per month XXXX} XXXX XXXX} to loan, {XXXX} to principal. XXXX was holding checks until complete payment was made, and then this caused us to show " late ''. In addition out bank account was hacked and we had to replace XXXX returned payments. I sent the information from our bank to XXXX and they were to drop the late charges on this issue. 
As to the XXXX late payments, I have sent letters, emails, and spoke with multiple customer service reps on the issue. All have stated that the issue would be resolved in our favor. This has gone on for over 5 months ... .HELP. A copy of the most current email is enclosed. 
The actions, ( or in some case inactions ) has caused damage to our XXXX XXXX and ability to refinance our loan. 

Thank you, XXXX XXXX XXXXXXXXXXXX XXXX
Describe what happened so we can understand the issue ... 
XXXX account number XXXX this account is out of date its past the original it can be reported check the first date is was past due it has a zero bal and needs to be removed
I HAVE A CREDIT INQUIRY ON MY CREDIT REPORT FROM XXXX XXXX AUTO FINANCING XX/XX/2017. I HAVE NO KNOWLEDGE NOR HAVE I SIGNED CONSENT FOR THEM TO CHECK MY CREDIT. I HAVE DISPUTED WITH BOTH OPENLENDING AND EQUIFAX. THE ONLY RESPONSE I HAVE RECEIVED IS ITS FACTUAL, FROM EQUIFAX AND NO RESPONSE AT ALL FROM OPENLENDING. HOWEVER, CUSTOMER SERVICE REFUSES TO PROVIDE ME WITH THE INFORMATION OR DOCUMENTS USED TO VERIFY THAT THIS INQUIRY IS FACTUAL.
on XX/XX/2018 an old collection account that was removed over 8 years ago reappeared on my credit report for {$1200.00}. the account is XXXX. XXXX XXXX
The questions used to verify my identity had nothing to do with me and therefore could not be answered correctly. Because of this I was unable to verify my identity and therefore could not get a copy of my credit report. I am afraid this is because someone has been tampering with my identity as my drivers license and as card were stolen earlier this year.
I used the XXXX website to request my credit report online and was refused. I have been delayed in obtaining a mortgage recently by some detail in my credit report, and needed to obtain my credit reports immediately, in order to clear up any discrepancy. When I submitted my request on the website, each of the XXXX credit reporting agencies refused to provide a report, and instructed me to request it in writing. This will cause weeks and weeks of needless delay in completing a mortgage request.
I want to know if my husband 's name and my name were being used by Wells Fargo to open phony accounts. We were their customers for auto loan from XXXX XXXX to XXXX XXXX. I found it odd because our Honda CRV 2003 was paid off in 5 years by $ XXXX to compare with Wells Fargo 's Mazda3 XXXX it took us 7 years to pay off $ XXXX Thank you, XXXX
I have 20 missed payments from XXXX on my credit reports from all three credit bureaus, XXXX, XXXX  and Equifax that I want removed. I have been sending XXXX letters and disputing online but I have not heard anything from them. They refuse to mention anything to me about my late payment and won't tell me anything. At the time of the late payments, I was on deferment and was heading back to school in XX/XX/XXXX ... Also was dealing with moving and not being able to receive most of my mail if they sent me anything. I've been reading that CFPD sued XXXX because of not offering it's clients the income driven repayment plan ( which is what I am on now since XX/XX/XXXX ) and I believe that I was one of the victims of XXXX offering the repayment plam instead ... Please remove all late payments from my credit reports so I can continue improving my credit
On my Equifax Credit Report, XXXX XXXX is showing twice for the same account. The dollar amounts are {$1.00} off. I have been in contact with XXXX XXXX AND Equifax for over a year. XXXX XXXX showed me proof they have only ONE account for me. I sent this information to Equifax and since XX/XX/2017 all they do is send me a letter saying it's verified. It's not getting corrected. I want the account that is showing in the amount of {$830.00} to be deleted.
I had several attempts to get information about my account and payments. unfortunately I have n't received any statements and other confirmations. Please consider my complaint as serious as possible to stop the discriminating process of women. I never was in bankruptcy due to discrimination process of employment and rejects to pay the bills I ca n't find or reach any information about my accounts and if I do it all messed up. They prevent me to find any job and apply through internet to any available positions blocking my internet connection that nobody is receiving my application. My keyboard does n't work properly, I have never filed bankruptcy or anybody contacted me I do n't have any paper work to proof that I am in process and I need a lawyer. Since they started to harass me I ca n't do anything even use my computer or buy a new XXXX to protect my privacy and financial stability of loosing all information any place I go for employment it said XXXX I will never find employment at will any other places. My administrator password from my computer is under CIA spy agency. 
I will stop all payments until I will see my statement that money that I pay are not lost. I do not know anything nothing is billed or mailed to me as confirmation of all payments. Please Advise.
open a simply checking account in XXXX 2016 due to the promotional XXXX bonus have not received of this date called customer service was told did not received it because my son has me on his account what does have to do with the fresh account under my name that i open in XXXX have to do with the promotion very dissatisfied if the person at the branch would have told me that because my son put me in case of a emergency on his account i would have never open XXXX at this point i am looking into other company to do business with
XXXX has continued to contact me illegally even though I have repeatedly asked that they not do so. They have also continued to send correspondence by mail. Today on a call they threatened to place a lien on my property and lobby the XXXX to attempt to foreclose. My original XXXX assessment was {$290.00} in XXXX. As of XXXX/XXXX/2016, XXXX Resources have added so many charges that my current bill is {$900.00}. It is absolutely unfathomable that a company can add over {$600.00} in collection cost in 6 months. The XXXX was not considered delinquent until XXXX. The American citizen is being fleeced by organizations such as this.
My loan was transferred from XXXX to Wells Fargo in XXXX of XXXX. Wells had my loan for approximately 10-years. They recently forwarded my loan to XXXX XXXX XXXX ( XXXX ) with a balance of {$230000.00}. 

There seems to be some discrepancy with the payments made to Wells Fargo. The balance forwarded to XXXX does n't seem to have deducted the amount of money that 's been paid to Wells over the 10-year time frame. 

So, I need an account of ALL payments made to Wells Fargo from the time they received the loan from XXXX XXXX of XXXX to when they transferred my loan to XXXX in XXXX of XXXX.
Years ago I used my Bank of America card to keep my XXXX year old mother in a nursing home. The balance soon grew very large. After she passed away I began to repay BofA a larger monthly payment. I did pay monthly {$500.00} a month and XXXX or XXXX times I payed BofA {$1000.00} a month as they requested, to get the balance down. This was very difficult, so I reached an agreement with them to pay $ XXXX monthly I did this automatic payment for about two years. 
About 6 or 9 months ago I noticed the {$200.00} was not being taken from my checking acct. I called BofA and was told my acct. was written off and it was sent to collections. I told them I would have happily continued sending them {$200.00}. They did not contact me in anyway that to say the payments were schedule to stop. I asked what could I do. They said " nothing, once its gone to collections, there is nothing you can do ''. I asked for the address to begin paying again to a collection agency. Of course this places a negative credit mark for many years on my credit history. It seems so wrong the way they managed my acct. and placed my acct to collections without a tele. call, nor an email, or a letter to give me a chance to continue making payments. This lack of common courtesy to me by sending my acct to collections was wrong, and costs me a lot in higher interest rates throughout my life. I am XXXX years old and do not have a lot of years to wait 7 years for them to remove the " Sent to collections ''.
My ex fianc had a   XXXX   XXXX   credit card he opened in   XXXX   before I met him.  XXXX   XXXX  has an  XXXX  and   XXXX   XXXX   store account, which are linked. I was added as an authorized buyer around  XXXX . We broke up in  XXXX  and around  XXXX  I noticed both accounts are on my credit report. As an authorized buyer I have no obligation to this debt. I called   XXXX   XXXX   and they stated I was added as a joint user. I never gave any written or verbal consent, nor did I give them my SSN to be added as a joint user. I have been disputing with  XXXX   XXXX  and all  XXXX  credit bureaus to have this removed since  XXXX .   XXXX   XXXX   refuses to remove it, even with a police report submitted to them.   XXXX   XXXX   also refuses to provide me with any information showing I agreed to be a joint account holder. When I file disputes through the credit reporting agencies, I 'm advised that   XXXX   XXXX   does not investigate this issue, instead they send a generic response back indicating the debt is mine and they fail to show supporting documentation. Both accounts need to be removed ASAP!
I went to Equifax site to check to see if we were impacted by breach. Typed in last name and last 6 of SS #. Said I was impacted. Did all family members, all supposedly impacted, all sent to credit monitoring. Got suspicious, told them name was XXXX with 6 random numbers, same answer. Told them my last name was XXXX and XXXX with random 6 numbers. Always reported impacted, and sent to monitoring website. This is not acceptable. Am I impacted or not? Sending every inquiry, every name and number combo to monitoring is being used to sooth fears without actually being informed if we are indeed impacted. This is a massive fraud by Equifax.
my Social Security payment money was fraudulently stolen from my card Direct Express card. Direct Express will not resolve the fraudulent theft after many attempts by me and I have heard nothing from them for a month since reporting the theft.
XXXX XXXX XXXX XXXX XXXX XXXX. Account no.XXXX. Repossessed XXXX/XXXX/XXXX. Credit reports not posting XXXX XXXX payments, city of XXXX just mailed to taxes due from XXXX XXXX this XXXX XXXX first received XXXX. city of XXXX hired XXXX XXXX. I am XXXX since XXXX, on fixed income and not able to work. For a year now I had to get rides to medical appointments and missed some.
In XXXX XXXX, my house was broken into ( in XXXX, CA ), personal information stolen, and my vehicle stolen and totaled. I placed a fraud alert at that time. I had a couple of failed attempts at opening accounts by someone, but nothing further occurred. On XXXX/XXXX/XXXX, I placed another fraud alert because someone tried to open XXXX accounts in my name. I received an email yesterday ( XXXX/XXXX/XXXX ) stating that a new credit card account had been opened with XXXX XXXX XXXX and a new card was being mailed out to an address in XXXX, CA ( an address that has never been mine ). I do n't understand how a new account could be opened when I already have a fraud alert. I tried to file a new credit alert but Equifax and the FTC website both said that I already had fraud alerts in progress and could not file a new one. I was also unable to update the current alerts with updated information because the website is not functional or user friendly. I have already filed a police report for this incident. I also have police reports for the past incidents. I am not sure what to do.
I previously had a BOA account which open but it has been over 120 days without activity as of XX/XX/XXXX. The last statement I received indicated I was over drawn due to monthly fees in the amount of {$32.00} ( estimate ) I was unable to put anything in this account until I made an cash deposit on XX/XX/XXXX in the amount of {$660.00} at BOA ATM. Upon making the deposit I called & was told the account was closed. I understand the reason, but I have been unsuccessful getting my funds returned or additional assistance on the phone. I was willing to pay the fees. However anything in excess should be returned. I attempted to get assistance over the phone & have been bounced around from department to department. I need assistance because if they are not willing to provide an account for me I need to be able to take my funds elsewhere. Please note the rep I spoke to onXX/XX/XXXX stated the funds showed in their system & she & her manager was confused why the card was still active. I did not know about the status of my account until after I made the deposit onXX/XX/XXXX & called them.
Trans Union. I put a freeze on my credit reports with all agencies online on Sunday, XXXX XXXX, 2017. The  only problem was with TransUnion. I was asked to answer a security, my father 's middle name. In trying to access the account the security question was different, my favorite car, a question which I never would have answered. Account froze : call XXXX. I called the number on the on Tuesday morning about XXXX XXXX  The transmission was exceedingly poor and no help after asking all the questions : SS # address, etc. Then, I was given another number to call XXXX. Again a terrible transmision, same questions and no help to simply access my online account that I started. Finally, I was told to use the line number for online accounts, XXXX, but this number was not posted online. Again very poor transmission and no resolve to the online problem, but finally at XXXX, I think, they indicated that they will send me a code in 5 or 10 days. This is the only agency that put up so many road blocks to put a freeze on my credit report.