WillisBack/dataset-financial-user-claim huggingface dataset:
My complaint is with US Bank. I have a checking account with them as part of an arrangement for disbursement of assets from an inherited Trust. I am trying to set up a way to transfer money from that account to my main bank account with the XXXX XXXX XXXX XXXX. After an extensive verification process to link an external account that took 3 days, I was finally able to go online attempt to transfer funds, starting with a test transfer of {$1000.00}. To my dismay, they charged me {$3.00} for the privilege. The funds did not show up today, so I called them and they told me it takes 3 days for a transfer to occur. So they want to charge me {$3.00} per transfer and it is not even a same day transaction?! I think this is an abusive rip-off. Can you please look into it, and let me know if I have any recourse? Thank you!
For the past year i have been contacting XXXX about XXXX accounts they continue to report in my credit history that do not belong to me. Whenever i call i am transferred to another department but no one answers i am forced to leave a message, i never get a call back. I have been dealing with this like i said for about a year-its very frustrating. XXXX File Number XXXX
I was given a equity loan 10 and a half years ago were I was to pay interest only. I have done this on time for all this time. The bank half a year ago told me I was after the 10 years to pay them principle and the interest. I am willing to do this but the principle they want me to pay is much more my wife and I can afford. We are in our XXXX and live on social security and a part time job. After talking to a government foundation who tried to help us for over 4 months they the foundation told us we should file bankrupty before the bank as treatened foreclosure on our home for over 35 years. Please help.
Hi, This is XXXX XXXX XXXX. I want let you know that My wallet was theft by someone. I need you check on someone use online for applied to credit card. Thank you.
This company Debt Solutions never sent me a Dunning Notice upon receiving the debt in XXXX 2016. They just placed a collection account on my credit report.
Lets see where can I begin, first and foremost, these debt collectors think they can magically pull over a fast one over me. I recently decided to check my credit score to find that a new collection had been added to collect on a debt that was never mine to begin with thus dropping my score down to 25 points because of this injustice. XX/XX/2018 commonwealth financial systems decided to collect for the amount of XXXX first I never was sent anything over the mail regarding this debt or my right to dispute this which is a violation of the fair credit reporting act. second buying from another debt collector doesnt mean you can scam me. I have monitored my credit report on the daily to mysteriously find that the numbers from the previous debt collector XXXX matches ( XXXX XXXX ) ring a bell? Again I refuse to give my information out in the open to be scamed. you debt collectors are getting very sloppy which is ultimatley going to end up with you being sued big time. you are getting information about me without express consent. i will be sending this to my lawyer in the meantime for him to look at while we are at it.
I went to the ATM at my bank ( Chase ) on XX/XX/XXXX and checked my balance. I saw that it had only {$14.00}, when I knew that I should have a lot more. I then checked the last five transactions, and saw that there were two withdrawals that I had not made - of {$1800.00} on XX/XX/XXXX and of {$180.00} on XX/XX/XXXX. I went to the teller and reported this. She said they would investigate it and to come back the following Monday. I went back several times. On XX/XX/XXXX, they gave me a letter that said they denied my claim because I benefited from the funds and that they would not pay me back the money that was withdrawn. At the same time, they recommended that I close my account and put an alert on my account at chase.com to protect myself against fraud. On XX/XX/XXXX, a Chase employee gave me a copy of the withdrawal forms for these two withdrawals, along with the two IDs that I used to open the account. They claimed that it showed that the signature on the withdrawal slips is the same as that on the documents, and that the passport was used as an ID when the withdrawals were made. That passport was stolen from me on XX/XX/XXXX. Those signatures are not mine. I sign with my XXXX XXXX since I had a XXXX although I was formerly XXXX. I could not have made the signatures on the withdrawals slips that they claim are mine.
They are not doing proper investigation of my accounts. Under the FCRA they need to contact the company not just a XXXX digit code. Also under FCRA section XXXX they need to have proof of the account in their records in order to report it.
I deposited XXXX checks via the mobile deposit app on my phone on XX/XX/2017 at about XXXX in the evening. After the first deposit XXXX was made available immediately. After the second deposit no money was made available. On XX/XX/2017 I checked my account and noticed a hold was placed on XXXX. I called the bank at about XXXX to inquire about the hold and to verify if this hold would delay my deposits clearing. The first person I spoke with provided information I did n't ask for and then advised a bank teller placed the hold on my account and he could not explain why and I needed to wait until the branch opened to get an answer. I asked for a supervisor. The supervisor advised the deposit department placed the hold and I would need to speak with someone from that department. I was transferred. The first person I spoke with in the deposit department again provided information I did not ask for and was irrelevant to my inquiry, when I pressed for an answer about the hold and how it would effect my deposits I was advised she could not explain the hold and I would need to wait until the morning to find out what would happen. She became rude when I asked for a supervisor. I spoke with a supervisor in the deposit department who again advised no one could help, no information could be provided and that notes on the account can not be seen until the transaction either clears/or does n't. I called customer service and immediately asked for a supervisor so that I could file a complaint. The supervisor in customer service insisted she could help, again I was told no notes where available to explain the decision and they could not provide any answers until my deposit either cleared or did n't clear in the morning. I asked to speak with her supervisor and she hung up on me. I called back and the customer service rep who knew my name insisted he could not transfer me until I gave him my name, he was antagonizing. I finally spoke with a supervisor who again stated nothing could be done, no answers could be provided and I would just have to wait until the morning to " see what would happen ''. I spoke with XXXX different people, none of them could explain why the hold was placed, or how the hold would effect my deposits clearing. I checked my account this morning and the deposits were debited and my account is negative over XXXX. I still have no answers explaining why any of this happened and now I have a negative balance on my account I did not create. If there were questions regarding the deposit, I did not receive a phone call so that I could at least attempt to answer any questions the bank may have had. I did not receive an e-mail either. It would have been helpful if at a minimum notes were entered explaining why the hold was placed and whether or not my deposits would have been effected. I was constantly advised that " this is just the process '', that is antiquated and unhelpful. Customers want to be informed and understand why something was done to their account.
This is NOT my previous address and I have NEVER lived at this address : XXXX XXXX XXXX XXXX CA, XXXX I have asked for this to be removed and it still has not and there has been no response from the bureau.
I started keeping a log of phone calls on XXXX XXXX, 2015 and this company ( Midland Credit XXXX ) has called XXXX time up to XXXX XXXX. Calling repeatedly starting as early XXXX. Calling repeatedly within an hours time. When you answer the phone they do not always speak. They have repeatedly been asked not to call and also written notice when they sent a collection letter as the debit is over 13 years old and was paid in a debit consolidation over 8 years ago. When they have called while I was at work others who have answered also requested them not to call. I do have the dates and times called and wish them to stop calling. They continue and I need assistance with this please.
I never received as the summon declares the demand made for payment XXXX days prior to this summon. This is not the truth. I do n't know who Velocity Investment llc never heard of them. I had an auto account with XXXX XXXX XXXX. They claim I owe XXXX. I do n't owe this, amount this is not accurate. They are sending me to court and never contacted me before this time. XXXX sold them this account. I do n't want to communicate with Velocity or their representation lawyers either. I want XXXX to communicate with me about any debts that they feel I owe them. I sent a letter to Velocity and their lawyers to validate this debt they claim I owe. I do n't owe them anything. I never signed a contract with Velocity or their lawyers.
Equifax announced that there was a breach of over 143M consumer names drivers licesnese social security numbers date of birth and other very critical information. Equifax has information with respect to who is impacted by the Breach but require a consumer to waive legal rights in order to obtain that information. 

Time is of the essence to find out but if you use equifax to tell you they will require you to waive certain legal rights including rights to Class Action Lawsuits. 

I request the company provide via all means possible immediate and unrestrictied notification of the breach and the natture of the breach as well as offer on an unrestricted basis any and all protections for credit in that situation without constraint and without the cute little notice that provided for free but then converts automatically to a paid account. 

The head of the CFPB should be in direct contact with Equifax and tell them that all operating authorit will be withdrawn until they are in compliance
For the last two months I have tried calling XXXX and XXXX about removing inquiries from my credit report that I did not authorize and I have gotten no results as of today which is XX/XX/2018 there are over 15-20 inquiries that has made my credit drop drastically and I did not authorize this. Such as XXXX which they said it was fraud on the inquiry and XXXX XXXX XXXX XXXX XXXX
This company pulled my credit unauthorized, I have contacted them and they have not return my call or responded to my email Sometime last week I was contacted by a company who offered me a loan for my business, I was told that they will not be pulling my credit, that the loans were unsecured and not based on my credit but only on my business revenue. By Tuesday ( 4 days later ) my credit had 5 HARD PULLS and had gone from 700 's to the low 600 's. Since then I was denied a LOAN due to this abusive and unauthorized use of my credit report
I was contacted by a service and instructed to call XXXX XXXX XXXX about pending legal action. When I called, I was informed that I had been sent a letter about an old debt, and how would I like to handle the situation. As I had not received any letter, I was not aware as to what the law firm was talking about. They referenced a debt that was from a XXXX XXXX credit card, that I no longer have and is nowXXXX  years old. I was told that I would have to work out a payment plan or pay full amount. If I failed to act, legal proceedings would begin in XXXX XXXX, CO. 
The acct number on the letter they sent was not fully correct. This debt also does not, and has not shown up on any credit reporting check. The only place it showed up was from a credit check that was performed over 10 years ago, and showed as closed. 

I contacted XXXX to determine what the status of the debt was. The acct in question was closed in XX/XX/XXXX and the debt transferred to a company called XXXX. This debt was then later transferred in XX/XX/XXXX to a company called XXXX XXXX. XXXX is no longer in business. XXXX XXXX XXXX was only opened in XX/XX/XXXX. 
I have had the same email and cell phone number since XX/XX/XXXX, and have never been contacted about this until XX/XX/XXXX.
I 've just chosen the largest umbrella issue that I could find, but there are significantly larger issues. Since I 've submitted written inquiries on the web site ( with no replies ) and called multiple on the recorded line, there should be proof of what I 've received. The letter clearly states that I have 30 days for the dispute, yet I was nearly threatened by the rep that unless I pay the bill tomorrow by XXXX, this will stay on my report forever. During every single phone call I 've made, as soon as I 'd state my name, I 'd be transferred, transferred and then transferred again and this game would go for the minimum of XXXX minutes. After finally reaching the rep, I was told a large amount of information with little to none backing and when I requested it, I was told that it 's coming eventually, but that I have no choice and that even if I offer proof, it will not do anything unless I pay the next day until XXXX and otherwise it stays on my consumer record forever. Furthermore, after googling the firm and trying to find more information, I 've found multiple other occurrences with this firm and mistreatment and abuses especially since all the employes never disclose their full name for the recorded line. Some information can be found here : XXXX
I submitted a dispute with Northwest Collectors on XX/XX/XXXX for reporting a account that was incomplete or inaccurate information reporting on my credit report. The furnisher of the information which is XXXX XXXX XXXX provided me a statement stating that they do not have documentation upon which my first date of delinquency occurred on the account they reported as a paid collection. I DID provide this legal document as proof to Northwest Debt Collectors that the information is inaccurate or incomplete and that it needs to be removed from the credit reporting agencies to followthe FCRA Regulation 611 5 ( a ) ( I ) which states, " after any investigation under paragraph ( 1 ) of any  information is found top be complete or inaccurate or CAN NOT BE VERIFIED, the collection agency and or credit agency will delete it from a consumers credit report promptly. 
The collection agency ( Northwest Collectors violated my right under the FCRA Section 611 ( 4 )  which states, " with respect to the disputed information in the file of a consumer, the agency shall review and consider all relevant information submitted by the consumer in the period described inparagraph 1 A. Instead of taking into account the information that I received directly from the furnisher which states theinformation can not be verified, Northwest Collectors made up and furnished there unverifiable date  of delinquency from the account of XXXX XXXX XXXX office. This violated many consumer rights under the FCRA. It is not the job of a collection agency to make up or use there own information to report to a credit reporting agency, but it is there DUTY to report information directly from the furnisher. The information from the furnisher ( XXXX XXXX XXXX ) States the information can not be verified.
This company name XXXX XXXXXX/XX/XXXX took money out my account, after I close my account XX/XX/XXXX, I have repeatedly called this company, and this company keeps on giving me dates on when they'll put the money back in my account, and never does. They don't mind lying to you. Now it'sXX/XX/XXXX and still no money has been transferred back to my account. After pulling up reviews about this company from past customers, I see this is a common practice with this company about computer glitches and slow getting money back to people, and supervisors that are rude and no help to you, and will hang up on you.
In a nutshell, this company is currently jeopardizing my ability to purchase a home by reporting a collection account for a medical bill that is not mine. I am fully insured ( I pay top dollar ) and have been for years. 

The medical bill in question occured on XXXX/XXXX/XXXX and at some hospital in texas that I have never been to. Also, I live in los angeles. When I called the debt collector ( Transworld Systems ), they claim there was no social security number attached to the claim they picked up but a birth date in XXXX ; I was born in XXXX. 

I do n't know whose debt this belongs to but the mere fact that a collection account has been reported under my name for a service unassociated with me while my spouse and I are in the midst of a home hunt should be iiegal and I wish to seek damages. 

They are currently in the process of deleting the collection but the inconveience and potential money this may cost me should be criminal. People are exploited every day by these companies while the government turns a blind eye. I 've had enough.
I signed up for Fan Dual awhile back and choose to pay with pay pal not pay pal credit, which i never knew existed, and the next thing u know it was being paid through Pay Pal Credit ... i did not not choose this type of pay knowing that u have to hit my credit. I have a paypal acct on ebay and it is not a credit acct.Then u can not pay this credit acct thru online pay pal it has to be a bank acct.. this is XXXX .. They said they would let me slide this one time and pay over the phone ... Does this not send up a flag!!! U let me know bacause i will be discontinuing there services!!!
Hello, I have at least four ( 4 ) hard inquiries on all three credit report agencies ( TransUnion, XXXX, and XXXX ) as well as closed accounts that have since been satisfied in full via two collection agencies ( XXXX XXXX  and XXXX XXXX ). I've  contacted all three agencies directly, as well as through XXXX XXXX and the erroneous information has not been removed. 

I've worked really hard this past year to clean up my credit, I need to move XX/XX/2019 after my apartment lease is up yet these hard inquiries and closed account as previously mentioned, are either old or attempts to obtain credit in my name without my knowledge and consent. Any action you can take to aid in the removal of the negative information on my credit reports would be invaluable. 

Many thanks, XXXX XXXX
XX/XX/XXXX - called me at work regarding debt. I explained in detail that I am at risk of losing my job if I am contacted at work re : debts.

XX/XX/XXXX - called at work again, told caller that I can not accept calls at work and to please stop calling. I was told it would not happen again.

XX/XX/XXXX- called at work again, again asked them to stop calling me at work.

XX/XX/XXXX- called at work.

JXX/XX/XXXX- spoke with agent calling regarding debt. Told her that I have asked multiple times to not be contacted at work, asked if it was legal for her to continue to call me at work after that request. She transferred me to manager. Manager said that he didn't see any notes saying that I couldn't take calls at work. Said he would just remove ALL of my phone numbers ( including my cell ) and if I wanted to pay my bill then I could contact them.
To Whom It May Concern, On  X/XX/2017  I disputed an account reported by   XXXX   XXXX   XXXX   in the file you maintain under my Social Security number.
I was informed on   XXXX   that the item was deleted from my credit report.
Now I have discovered that the item has been reinserted on my credit report.
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.
( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
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I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.
I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the BBB.
Please govern yourself accordingly.
I 've been having issues with my XXXX. Coinbase had me start a new account in XXXX and I never got my BCH from the fork in my new account. I 've been trying to get a hold of support and they 've only sent out a blanket statement saying they are busy. 

Today, I try to log into my new account and it 's locked under XXXX again. I do n't have access to my XXXX XXXX app and I 'm stuck. No one is answering the phones and I 'm getting nervous about my money sitting in limbo.
OnXX/XX/XXXXI tried to submit a dispute on line with Equifax. I 'm unable to answer the security questions due to fraud purchases made by person/persons unknown. I do not have a retail card from XXXX. I do not have a bank card from XXXX. I filed bankruptcy in XXXX, the case number is XXXX. It was filed in XXXX Tennessee Western District. I do not have a XXXX car. I do n't have an income to pay a loan or to lease a car. The last car I had was paid for in XXXX. The car was a XXXX XXXX XXXX. The vin number on that car was XXXX, the plate number was XXXX. The title was XXXX. I 've reported theft of my drivers license to the Department of Motor Vehicle in the State of Tennessee. No-one will do anything here & this city wonder why crime is so high. No-one wants to do their jobs. Yet everyone wants to get paid. I 've told the courts that XXXX XXXX XXXX is posing as a paralegal. She 's deleting my history. The FBI told me this is an inside job, not only is The XXXX is responsible. My former employer XXXX XXXX XXXX XXXX have my identification. XXXX XXXX once lived with my late father. She 's stealing my mail through the United States Postal Service.
My wife and I were in the local mall and stopped in a XXXX XXXX   we were approached by a salesman and my wife showed me a ring she really liked. The saleman told us it was on sale and the store had a promotion whereas we could apply for store credit and get a no interest for three years. So we applied and he told us we qualified for both the store card and the promotion. We bought the ring and had it sent out to be sized. When we came back to pick the ring up the same store clerk told us there was a problem with the no interest part and that we had to call the credit department. We tried multiple time to get this strait and then were told that the purchase was not enough to qualify even though the store told us otherwise. Then we were told the store was closing and they do not take back merchandise. I feel this is a bait and switch technique and should be illegal. I am a XXXX veteran and my wife has XXXX we can't pay the monthly bill as it is now 3 or 4 times higher then the XXXX a month we were told. I just fixed my credit a year ago and now it will be ruined again. I have documents but no way to add them at this time. Thank you, XXXX