WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX/XXXX/XXXX US Treasury Check ( # XXXX ) for {$12000.00} was issued to me XXXX/XXXX/XXXX I deposited the check in TD Bank XXXX ATM ( XXXX # XXXX ) XXXX XXXX XXXX XXXX Later TD Bank told me that the check couldnt be cashed due to endorsement issue I requested TD Bank to return the check. 
But TD Bank told me several times that the check can not be returned due to their bank policy. 

It took me months to contact IRS and US Treasury Department to find out that someone in TD Bank has cashed the check.
They have XXXX XXXX, social security and another employer who are putting me on a credit report for what have not worked for them over 20 years its not right or fare. Can you please take off any bad thing on my credit report cause its been many many years ago, don't know why employer 's could do such thing. Thanks trying to clean my credit up
Penny mac mortgage is deliberately holding onto an insurance draft check for XXXX + even after 3 weeks ago their own inspector inspected the work, certified it was complete, and sent that info to the lender. I have already incurred the cost of my own repairs and would like my money back. when i call they keep giving me the run around about timelines and such.
I am from the XXXX, and had a savings account in the US with HSBC. I closed the account last XXXX, but only received the cheque for the balance in XXXX this year. It was impossible to contact the bank. It was impossible to get through their automated phone system, as I do not have the items of ID requested ( as I am not a US citizen ). I emailed them, wrote letters and phoned on numerous occasions before finally getting my money 7 months later. No apology, no explanation, and seemingly no reason for the ridiculously long wait for my money. It has been the most frustrating experience, and with no way of contacting anyone of import at the bank itself, I want the world to know how horrendous and incompetent they have been with sorting out this situation. If I could find the name of the chief exec of HSBC America, I would have just written to them, but this seems impossible too, so, I have resorted to this! I would not recommend using this bank to anyone! The levels of frustration - and indeed anger - is incredible, especially as it all seems avoidable. I would love to have an apology from the bank, if not some form or compensation - as I missed 7 months worth of interest on the money they still had ( over {$3000.00} ).
Without realizing it I signed up for PayPal credit while making a purchase. I was unaware of having done so and eventually accrued more than {$92.00} dollars in interest and fees in the 6 month period. I was unaware that the purchase had not been paid in full at the time. PayPal credit also signed me up for a {$1000.00} credit line, which I also did not intend to sign up for. PayPal also conducted a " soft '' credit check against my account, which I also do not recall being notified of.
The sign up bonus is XXXX points after spending XXXX within 3 month for XXXX XXXX credit card. 

I applied the card XX/XX/2017, met the requirement but never got the points. Called BOA and the rep think i should get it but has no authority to award the points so created a case. 
The case never solved. 

Called the 2nd rep 3 month later and had another 'case ' created, at the end they said i did not met the requirement. I complained but never heard back since then. 

i never thought contacting CFPB until now.
Equifax I am an affected person : Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency ... Some XXXX and XXXX residents were also affected. " Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. '' " Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from mid-XX/XX/XXXX through XX/XX/XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers. ''
My mortgage was recently reinstated after Ocwen Servicing wrongfully foreclosed on my property during the processing of my modification request. Ocwen rescinded the foreclosure and reinstated the deed. Recently I received a mortgage statement it reflected a substitute deed recording charge, sheriff fees, Lender placed Insurance fee. These charges have been included in my next month mortgage payment. My house was wrongfully foreclosed. Please request Ocwen remove the fees associated with the foreclosure.
TransUnion score changes every other month to XXXX then to XXXX. This has been going on for a year with TransUnion. Something is going on fraudulently and I need this to be investigated immediately
On XX/XX/2018 XXXX XXXX ( mortgage servicer ) offer me a repayment plan omitting XXXX payment. At that time I was assured that this would not have a penalty. At this time I am trying to refinance my loan to make a bill consolidation and save some money but I was informed by the lender that I could not do it because my mortgage account reported a 1 x 30 on my mortgage, even though I am making my payments according to the payment arrangement. I have contacted XXXX XXXX and they acknowledge that I am making my payments according to the payment arrangement but they are not willing to correct the information on the credit report.
Bank of America Card services. 
XXXX : act # XXXX and XXXX I was recently served with the summons from XXXX and XXXX for collection on bank of america behalf for the account numbers state above. 
Back in XXXX my family and I have experience financial hardship of which B of A were well aware of. I have received financial advice and was able to negotiate payments and interest rates with all of my other credit card merchant companies, but Bank of America cards services refused to offer or intended to help reduce interest rates or payments on these accounts state above. My monthly payments were over $ XXXX/mo at the interest rate of over 26 % ( which is almost triple of the legally allowed interest rate for the state of CA- usury could be a good subject to bring up in court ) .. 
I attempted to negotiate with BofA regarding my situation but instead I was directed to speak with an XXXX card services ; Balance Financial XXXX XXXX and XXXX - these were for people with financial stress ; by all three of these programs whom I spent hours on the phone, all they can verbally tell me was to " look for additional money to pay off the debt ''. This is against all debt recover programs and bail outs received by B of A, and that Bank of America ignored or cared enough to participate or offer settlement relief to their clients .... There are many complaints on CFPB even a class action lawsuit due to ignorance, negligence and incompliance of Bank of America which caused a lot of financial harm to many of the Bank of America card holders. 
Also, do note that first date of default on these accounts was XXXX of XXXX after my numerous attempts and requests for lowering interest rates and payment reductions to you. I have supporting documentation that I would be happy to include in discoveries to be presented to the judge. 
Bank of America is reporting these accounts as " charged off '' but yet you are demanding a FULL payment on the accounts you have charged off/wrote off your books and have received tax benefits from ... 
Recent attempt to settle these accounts with Bank of America have directed me to contact XXXX and XXXX. When negotiating a settlement with XXXX and XXXX I was told that they would have to get approval from Bank of America before they can accept anything less than a full balance. And earlier this year I have received a collection letter from XXXX and Company ( attached ) as an attempt to collect on behalf of Bank of America for the same accounts stated above. Also, At this point I 'm left questioning WHO is the legal owner of this debt? And why Bank of America is stating I need to settle with XXXX and XXXX, who in turn state they need to have settlement approved by Bank of America. And WHY am I served with judgement when I have attempted to settle this debt on numerous occasions ... .I have never refused to repay but B of A rejected all my payments, charged off the accounts, sent me XXXX then now I 'm being served for judgment to pay these charged off accounts and being contacted from a collection company on the same accounts. This is abuse! please help me stop this!
I have sent 4 letters to each credit bureau requesting physical proof of their verification methods ( documentation that they possess giving them the right to list information on my reports, how it was verified, who they spoke to ) and requested that any information that could not be verified with physical proof be removed from my reports. I have only received results stating that my information has been verified and updated with no supporting details or documentation. In my letters I stated that I am not disputing the validity or accuracy of the negative accounts but that I am disputing the credit bureaus right to list these accounts on my reports without proper verification from the creditors and that they must be deleted, under federal law, if they can not be verified. My most recent letters were dated XX/XX/18 but not sent until XX/XX/18. Transunion and XXXX both sent me results without documentation saying that the accounts meet FCRA requirements. XXXX sent me a letter saying the identification I provided ( drivers license and ssn ) does not match their records. They were able to locate my file several times with the same identification I provided in the first 3 letters, the information has not changed, they are stalling.
On or about XX/XX/2017, I signed up for autopay on my Citi double cash card. The payment did not go through, and I received a late payment charge, which was automatically credited back to my account without my requesting. I subsequently re-enrolled in autopay on or about XX/XX/2017 since the previous registration apparently did not work. 

When I called on XX/XX/2017 and spoke to an employee who would only identify herself as " XXXX, '' she told me that there were no finance charges applied to my account. However, my statement showed a charge of {$22.00} on XX/XX/2017, and when I pointed this out, " XXXX '' acknowledged her earlier false statement without explanation. " XXXX '' refused to reverse the finance charges.
Equifax is reporting my previous mortgage which is paid in full, as 30 days past due, which is impossible. I called Equifax and spoke with XXXX who literally had no clue. She kept referencing the wrong mortgage company ( XXXX vice XXXX ) and told me that she does not see what my report is stating. She also stated that what she sees and what I see are totally different which makes no sense. I am engaging CFPB before I engage legal resources to document I filed with CFPB. 
From Equifax : ( note loan is paid in full however current status is 30 days past due ) Once again current status, not the history of the loan is 30 days past due on a loan that has been paid in full. 
Name : XXXX Acct # : XXXX Credit Limit : n/a Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Past Due : {$0.00} Acct Status : PAYS 31-60 DAYS Hide Details XXXX XXXX XXXX XXXX XXXX, CA XXXX Account Number : XXXX Current Status : PAYS 31-60 DAYS Account Owner : Individual Account. High Credit : {$330000.00} Type of Account Revolving loans have an amount owed which varies from month to month, like a credit card. Installment loans have a fixed number of payments and the same payment due each month, such as a mortgage, car loan or student loan. Option loans require that the entire balance be paid each month. : Mortgage Credit Limit : N/A Terms Duration : 30 Years Terms Frequency : Monthly ( due every month ) Date Opened : XX/XX/XXXX Balance : {$0.00} Date Reported : XX/XX/XXXX Amount Past Due : {$0.00} Date of Last Payment : XX/XX/XXXX Actual Payment Amount : {$0.00} Scheduled Payment Amount : {$1800.00} Date of Last Activity : N/A Date Major Delinquency First Reported : Months Reviewed : 2 Creditor Classification : Activity Description : N/A Charge Off Amount : {$0.00} Deferred Payment Start Date : Balloon Payment Amount : {$0.00} Balloon Payment Date : Date Closed : XX/XX/XXXX Type of Loan : Date of First Delinquency : XX/XX/XXXX Comments : Consumer disputes - reinvestigation in progress, 81-Month Payment History No 81-Month Payment Data available for display.
National Credit System is attempting to collect a debt from me for XXXX dollars and I never established a contract with this company.Furthermore this company has reported negative items on to my credit report and is violating the FCRA standard.
I filed a dispute with Equifax on XX/XX/XXXX over fraudulent inquiries I noticed on my credit report. They did not remove them, and I filed another dispute on XX/XX/XXXX. I contacted them by phone on XX/XX/XXXX and they told me they could not remove the fraudulent inquiries without a report. 

To date, I have at least XXXX fraudulent inquiries on my Equifax credit report that are hurting my credit score. 

I was able to contact XXXX and XXXX, and they removed fraudulent inquiries from their reports. Equifax is the only credit bureau that refuses to remove the inquiries.
I recently made a complaint to cfbt and was unable to login to see the response from the credit agency. However, Since then, the agency has taken steps to even further damage my credit score. I have done everything in my power to correct my past mistakes and continue to build a respectable history. I feel as though this agency, Transunion and its employees or reps are incorrectly reporting and I would go as far to say taking retaliatory actions on my report as they have once again lowered my score by XXXX points. My score now is even lower than it was when I initially began to attempt any corrections last year. I have retained a malpractice attorney and we are in process of a civil suit. I 'm not certain as to what this site does to attempt to help and protect the consumer because nothing positive has happened since I have taken the time to reach out for assistance. I am writing once again to make certain I have record of every single action this agency has taken as well as snap shots of every time this agency has negatively impacted my credit with no cause. Every action all showing the same drop in score from XXXX points per change. Please note once again that I have increased by credit line, paid all payments on time the last 9 months, paid off XXXX debt collection ( I have XXXX at the moment. ) All of these positive steps I have taken Clearly should have increase my score, it is plain as day to see it is retaliatory action.
MOHLEA customer service told me to contact a company to have them enroll me in public sector student loan forgiveness program. They referred me to a company called XXXX XXXX XXXX which charged me over {$700.00} an d did not change anything but put me on a income based payment plan.
On XXXX XXXX I went to my bank to initiate a {$6000.00} USD wire transfer to coinbase. They are an online cryptocurrency exchange. They promised that it would be processed and credited to my account in one business day. 

It is now XXXX XXXX and my account has not been credited by coinbase. I have called numerous times in the past weeks and their customer support is a joke. They can not help you with anything, only escalate your case to a 'specialist ' which in return sends you an automated e-mail. You can only contact this 'specialist ' by e-mail, but when you attempt to, they never respond to you. 

My money is in limbo and I can not do anything. I can not get an answer for why my money has not been credited and where it is, I am told to simply wait. I have been waiting for now approaching close to 1 month. 

They also are continuously accepting new bank wires even though they acknowledge they have a massive amount of backlogged wires from XXXX. 

My Case ID is : XXXX.
I made a call to XXXX about unauthorized credit inquiries on my account. After speaking with Customer Service Rep, XXXX XXXX and then being transferred to Customer Service Supervisor, XXXX XXXX, I was told that there was nothing that they could do on their end without having a Letter of Dispute or Termination on Contract from the listed companies. When reaching out to the various companies they were unauthorized to run a credit check on my behalf, I was more or less told by 2 of the 5 company customer service reps that " Hard Inquiries '' fall off in 2 years and I am approaching that 2 year mark. Of course they worded it in better terms but nonetheless, this is disgraceful hearing from a company as they do not want to own up to their misuse of people 's information and as a result, the only solution that they offer is to " wait it out '' since the 2-year dismissal is approaching. These credit inquiries are affecting my XXXX and FICO scores now but these companies bank off of bad debt and do not want to remove them. The companies are as follows : SANTANDER CONSUMER USA XXXX XXXX XXXX XXXX XXXX, TX XXXX Ran unauthorized inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Ran unauthorized inquiry on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Ran unauthorized inquiry onXX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX, NC XXXX Ran unauthorized inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, OH XXXX Ran unauthorized inquiry on XX/XX/XXXX
I had a debt of {$1900.00} from a school loan that was paid off. Since then, it has been removed and placed back onto my account XXXX times now. Currently, it is showing as being owed. I DO NOT OWE THIS ANYMORE. My income tax was garnished and this was paid in full!
I received a message on my voice mail from Asset Recovery Associates, stating that I needed to call them right away about a " bad check and breach of contract filing '' against XXXX XXXX. XXXX XXXX is my ex-husband whom I have n't seen since 1997 ( except in Family Court ). I was given the case # XXXX, and the phone number of the " Plaintiff '' is XXXX. When I called the number, I was told that I was a " co-defendant '' with XXXX XXXX in this case which has already been filed in XXXX, IN and I should be served with a summons soon. I informed " XXXX '' that I have never set foot in XXXX, and that XXXX XXXX and I have been divorced for quite some time. She kept refusing to give me any further information and said I would just have to wait until I 'm served, and then she hung up on me. My husband also called, and he was hung up on as well. After calling the XXXX County, XXXX County Clerk 's office, I was told to do a search at mycase.in.gov and that if there was anything filed against me it would show up. I did that with both my name and my XXXX XXXX 's name, and nothing came up. In addition, one of my daughters told me that she received a phone call asking about contact information for me, but she did n't give them any. It 's possible that my other daughter did, but she and I have no contact. I 've only been married for a little over 2 years, and have only had my cell phone number for maybe a year. The company would not tell me how they received my name and phone number.
I made a payment to my account on XX/XX/XXXX. I have sent the bank all of the proof that it was delivered on XX/XX/XXXX. I also provided a copy of the cashed money order that was cashed on XX/XX/XXXX. It was cashed by the bank. It is XX/XX/XXXX and after talking to the bank Rep they claimed that they have n't received any of those items that I have the proof that it was delivered and cashed by the bank. Synchroney Bank.
I am an XXXX Service Member in the XXXX. I attended the financial briefing in XXXX from the military. Following guidance from the Financial Planning Counselor, I attempted to obtain all XXXX credit bureau reports and my FICO score. I am unable to locate any information when I contact the bureau 's to include FICO score. I was told that I need to create a profile. I am a member of XXXX XXXX, and I have received a score thru XXXX, therefore I am unsure as to why I can not directly obtain from the websites. 

Please advise! 
XXXX XXXX XXXXXXXXXXXX XXXX
I have a loan with NAVIENT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and NAVIENT with no successful resolution. XXXX, XXXX and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XX/XX/XXXX / XX/XX/XXXX.
TransUnion refuses to remove a public record from my report in accordance with NYS GBL 380-J ( F ) ( iii ). TransUnion states " we do not follow part of the law '' and does not differentiate between a paid tax lien and a paid sales tax lien. Despite the later is to be removed withing 30 days, the former remaining for 7 years. 
TransUnion refuses to verify this information with the original creditor ( NYS ). 
*see attachment
my identity theft was stolen and tried to open credit under my name and there is a lot of hard and soft inquires that is making mt credit score very low i called and they will not remove them ( TransUnion Factor Details ) XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX + Misc. XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX  Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union
I have been requesting a modification for a more affordable mortgage payment and and they came up with a balloon payment that will make me pay the value of my poprrty for {$50000.00} more ta than what I purchased it for. They are also charging m reinse for for reinstatement fee of {$500.00} more because I rejected their proposl. 
I have never had to pay the reinstatement fee in my previous modifications. This company needs to be investigated for their ruthless activities. My main concern is that since in the inception of this loan they have always made mistakes on applying my mortgage payments. back in 2015 they have posted a negative impact on my credit as having paid late. and after their research they found out that I had paid all my payment on time. I have proof of this Iam in constant contact with them because they keep misapplying my mortgage payments to the Escrow. I do n't know what else to do with this company.