WillisBack/dataset-financial-user-claim huggingface dataset:
I tried to close my IRA Account with Union Bank because I am unhappy with their service. 
I want to transfer the funds to XXXX XXXX XXXX. XXXX XXXX XXXX call Union Bank and was told they need to send a request letter to their IRA Dept and the process would take 28 days, so I went back to Union Bank and requested the funds in the form of a cashiers check. They refused to close my account & give me the funds. They said XXXX XXXX XXXX would have to send a request to their IRA Dept. I asked how long that would take and I was told " a couple of days '' by XXXX XXXX. I went home and called the IRA Dept of Union Bank and they told me it would take 3 to 5 business days after they receive the request letter from XXXX These XXXX banks are only XXXX blocks apart. I feel like I am just getting the run around and I am getting tired of it. Right now I am calling Union IRA Dept every day to see if they received XXXX 's request letter. If they do n't want to transfer the funds they could just keep saying they did n't get the letter. I am an XXXX year old widow and I think they are stalling to get back at me for closing my other accounts at Union after I told them I was unhappy with their service.
i received a gift card from my father in law for {$100.00} issued on netspend visa card. i tried to activate the card online, however the website is always down and wont let you log in. always shows a error that the website is down and to try again later. i tried for over a week and always get the same message. called up and provided the information as requested and was informed that my card has been activated and can be used at any retail location. i have tried to use the credit/gift card on 5 separate occasions and at different locations and the card is always declined. i now have a {$100.00} gift card that can not be used and i feel that my father in law was cheated out of his money. i don't know what else to do and hope the the FTC can get my money back or at a minimum investigate the conduct of this company ( netspend ).
Since XX/XX/XXXX I disputed erroneous trade-lines reported by XXXX XXXX to the credit bureaus. XXXX XXXX said they sold the account to XXXX XXXX because it was charged off on XX/XX/XXXX for {$310.00}. However, I paid XXXX XXXX on XX/XX/XXXX to delete the debt from my credit reports which they granted. Despite that, XXXX XXXX refuses to remove the negative information off my credit reports.
Wellsfargo delayed processing of smaller transactions in order to allow a larger XXXX to post and cause XXXX additional overdraft fees instead of XXXX. This means I 'm getting billed {$140.00} in fees instead of {$35.00}. The XXXX other transactions were all under {$10.00} each.
Back in XXXX, I had a XXXX XXXX XXXX XXXX ( Now Synchrony, JCPenny Card ). They kept charging me fees and overcharging. I paid {$150.00} on XX/XX/XXXX, as final payment on a card balance of {$170.00}. I sent a letter to XXXX XXXX XXXX on XX/XX/XXXX, to get them to address the problem and close the account. They never investigated the problem or issue. They sent it to collections to a company called XXXX XXXX represented by the XXXX XXXX XXXX XXXXXXXX XXXX XXXX. When I sent them a demand and proved they should not have tried to collect the account, the entered a settlement not to sue them or XXXX XXXX for violation of state and federal law. As part of the agreement, the account was to be removed from my credit and a XXXX balance letter sent out. This is not a write off account this account was closed so I would not sue them. I have tried to dispute it several times, and all agency refuses to remove it despite the fact I have a signed agreement the account was to be deleted. I am asking the CFBP fine all three major CB for willful violations of the FACT and other consumer protection law.
My prior mortgage servicing company, XXXX XXXX XXXX ( also known as XXXX XXXX XXXX ) has yet to refund my real estate tax escrow balance, even though they were paid off when I refinanced my mortgage back in XX/XX/XXXX. I closed on my refinance on XX/XX/XXXX, at that time my County real estate taxes were now due and payable, therefore I was required to pay the XX/XX/XXXX tax bill at closing on the refinance through the company I was closing with ( XXXX XXXX XXXX ). At that time, Loan Care also attempted to pay the XX/XX/XXXX tax bill. Since the County received the funds from XXXX XXXX ( company I refinanced with ) first, they did not cash the check received from Loan Care and likely was sent back to them. I called Loan Care twice in XX/XX/XXXX, and twice in XX/XX/XXXX to follow up on my tax escrow refund ( which should be approximately {$2100.00} ), each time I have called they stated they were still working on issuing the refund and that they will have an update soon. Nobody has once tried reaching out to me ( mail or by phone ) to inform me of the status of my refund, I have had to initiate each interaction with Loan Care. I have verified that I had plenty in my escrow balance for them to pay the taxes, there was no shortage in escrow at time of loan payoff by XXXX XXXX. The {$2100.00} is a LOT of money, and is money that is owed to me. Loan Care has no right to hold this money this long, when it was confirmed back in XX/XX/XXXX that the tax bill was already paid by XXXX XXXX.
In XX/XX/2018, when I was obtaining quotes for new car insurance, I discovered that XXXX XXXX has been reporting that I have had lapses in my insurance policy several times over an 8 year period. Because of the public information they are inaccurately reporting, insurance companies think that I am a " high risk '' insured because I let my policy lapse. This information is not valid, correct or legitimate. I contacted my agent and they confirmed that this information is not correct and couldn't explain why it is being reported incorrectly. My policy has never lapsed and their answer was to provide me a letter showing the correct information. However, when I asked them to please call and correct their reporting information with XXXX, they didn't know what I was talking about or how to correct it. They advised me that the letter should be good enough and all I need. But it isn't. Any insurance company that runs me through XXXX to verify my car insurance payment history can see this incorrect information and will give me a high risk quote for insurance. I also think that I am paying more than necessary for my current policy due to this information because the underwriters think I am high risk as well. This has been going on for years and I did not know about it. If I hadn't got tired of paying the increasing premiums and was looking elsewhere, I would just continue to be oblivious. This keeps me from getting a new and fair insurance policy if I desire and forces me to pay more for insurance when I shouldn't be. Also, if my lienholder had seen this, they could have repossessed my car thinking I did not have insurance. The State of Missouri could have suspended my drivers license for not having insurance. And my job could have fired me as I have a background check every year and can not break the law in ANY way. This is a serious problem that could have had catastrophic effects for me. This is very unfair to someone who has been a customer of StateFarm for over 20 years and always pays their policy.
This is a follow up to my CFPB complaint # XXXX regarding Equifax continuing to report 4 accounts from XXXX XXXX XXXX XXXX XXXX that have not been validated and that contained the wrong address and phone numbers to contact the collection agency. Equifax responded on XXXX XXXX, XXXX, that " The following disputed items have been removed from the Equifax credit file : XXXX XXXX XXXX XXXX XXXX account number ending in XXXX, XXXX  XXXX XXXX XXXX XXXX account number ending in XXXX, FXXXX XXXX XXXX XXXX XXXX account number ending in XXXX and XXXX XXXX XXXX XXXX XXXX account number ending in XXXX. '' However, the credit report Equifax sent to me, dated XXXX XXXX, XXXX, still showed the same 4 accounts with the incorrect address and phone number. Also, I printed out a recent report today, XXXX XXXX, XXXX, and the accounts are still showing on the report.
I have a business and I got a XXXX to handle my credit card processing.I had a bank account at Citizens Bank.At the beginning of XXXX 2016, my credit card machine broke and I could no longer accept credit cards.I XXXX called XXXX on numerous occasionsonly to be given the run around.They continued to take money out of my bank account, I complained to Citizens Bank but they did nothing to help.I had to close my old account and open a new. 
XXXX is still trying to take money out of a closed account, even though I cancelled their service .They took money out of my account even though there was no credit card activity.
I disputed a collection account from XXXX XXXX XXXX because the information was unfamiliar therefore inaccurate. I submitted a dispute via XXXX mail and I received an email from Equifax stating that the account had been " verified. '' None of the original creditors info was included as far as dates payments, date of XXXX delinquency, a signed original contract between me and the original creditor, a contract between XXXX XXXX XXXX and the original creditor giving XXXX the rights to collect on this debt. I asked for all these things in my letter and they were not provided from Equifax nor XXXX XXXX XXXX. Attached are the results of there investigation, this does not validate the debt
Have sent numerous requests by mail as to how my loan overpayments will be applied to my overpayments. These were my specific request would be handled : I am writing to provide you instructions on how to apply payments when I send an amount greater than the minimum amount due. Please apply payments as follows : After applying the minimum amount due for each loan, any additional amount should be applied to the loan that is accruing the highest interest rate. If there are multiple loans with the same interest rate, please apply the additional amount to the loan with the lowest outstanding principal balance. If any additional amount above the minimum amount due ends up paying off an individual loan, please then apply any remaining part of my payment to the loan with the next highest interest rate. It is possible that I may find an option to refinance my loans to a lower rate with another lender. If this lender or any third party makes payments to my account on my behalf, you should use the instructions outlined above. Retain these instructions. Please apply these instructions to all future overpayments. Please confirm that these payments will be processed as specified or please provide an explanation as to why you are unable to follow these instructions. Thank you for your cooperation. 

This is a continuation to complaint XXXX I filed in XX/XX/2017. Navient says they have no record of my filing this directive with the company and continue to dishonor my request, even after speaking with them on the phone numerous times.
Received a letter XX/XX/2018 from a debt collector on behalf I guess XXXX XXXX XXXX XXXX. I guess the debt collector is TransWorld Systems Inc. First time received about a debt costing {$330.00}. I have been reporting fraud to my bank services XXXX XXXX and XXXX XXXX about fraudulent claims. Unaware about XXXX  services costing {$330.00}. This statement or charge, Im claiming is fraud or possible fraudulent claim as well.
My XXXX who is a XXXX XXXX was taken advantage of by The American Advisors Group. His living room floor sunk on 1 side and he asked for a reverse mortgage. They promised money to pay for all of his debts. The floor was never fixed. the company sent a work crew out to fix carport and paint storage building and he did not want these things done. the money for these repairs was taken out of the {$22000.00} promised. XXXX received roughly XXXX dollars. Now he had to make insurance payment and they are large like a loan payment. The loan has jumped up to {$22000.00} most of this is interest. How is he suppose to pay this? Then there is the matter of his eventual death, they promised that I the XXXX child would have the house which sits on XXXX areas of land. I am afraid They will still the house from me. Like they did in the XXXX XXXX XXXX court case which they lost and it is so close to our complaints. I need this matter resolved and I strongly advisor others to be very cautious about this company and there outrageous claims, lies and theft
Charged overdraft fee on XXXX XXXX, but looking at order of transactions posting on my screen it made no sense. Called help center, they gave me a different order of transactions than what is on my end. Still made no sense. Agent says, " Oh, you 're looking at your screen right now? Let me switch my screens. '' Then the agents stops talking about " order of postings '' and switches to " lets do the math '' because you were overdrawn by XXXX cents. 
( I wont even go into how repugnant it is for a company to charge XXXX overdraft fee on {$0.00}, especially when you have three different direct deposits going in to that account, 1 weekly and 2 monthly. ) I interrupt, I say, " Ma'am, I know the math, but you assess you fees in order of posting and that is what I would like to address. I get overdraft fees and do n't call because I can easily see the order of postings. I am not letting this one go. '' She responds that she is not waiving the fee. So say, well there is really no reason to keep speaking with you. I ask for someone with the authority to do so, she said no one at the contact center would. I ask for a number or email of someone above her and she says I will have to go to my Branch. Which really makes me annoyed since whenever I go to a branch the always say to call. 
If I ca n't trust what my screen is telling me is the order of posting, if when fees are assessed the bank gets to talk about " batch posting '' and every time you call they say their own version of postings, when you click on a prior day 's postings they all say XXXX, how is the consumer supposed to trust the fair application of these fees? 
If a fee is assessed in error they still refer to it as waiving a fee, like they are doing you a favor. Courtesy waivers and rectifying an error are two different things. They should be treated differently.
I have been receiving numerous calls from Credit Central at XXXX trying to get in touch with my sister-in-law that I have not spoken to in two years. I have no idea where she is located and I did not give her permission to give my personal identification as a reference ( ever ). I have asked this organization at least three times to remove my phone number from their records. Just this week I received a call on XXXX/XXXX/16 and XXXX/XXXX/16. I told them again to stop calling me!
This complaint is with XXXX XXXX XXXX, I have bills showing up on my score that have already been paid, they have opened another suit on me for bills Ive paid and have garnished wages again trying to collect money on something that has been paid. Ive tried calling and telling them the situation but they are still trying to charge me again, and now I see them on my credit report. They are calling and harassing me still. Thank you!!
I have received multiple calls from multiple numbers. I have not received anything in writing about the debt to date. They call 6-7 times per day and DO NOT answer the phone. One guy burped in my ear, another was talking to his colleagues and hung up. Most of the calls they hang up. I've had to resort to blocking multiple numbers as no one answers. I believe its Tek Collect? 

XXXX XXXX XXXX XXXX XXXX XXXX
On or about XXXX XXXX, XXXX and XXXX XXXX, XXXX, I disputed a XXXX debt in the amount of {$2200.00} on my credit report Account # : [ Acct # XXXX ] asking that the credit bureaus show validation of this debt that I owed it, without sending me an viable evidence I indeed owe this debt. XXXX send me some kind of an agreement, which had not signature. Since the CRA have posted the debt on my credit report, I have the right to verifiable evidence this debit belong to me.
I was exploring Interest Rates for a purchase of a vehicle. I utilized XXXX. I was unaware that by using XXXX XXXX   that I would have multiple inquiries on my report. I would not have proceeded otherwise ; as I am very conscientious about applying for credit. I started to get alerts regarding inquiry. I was able to identify XXXX XXXX as the party responsible. I contacted them to advise that I was not aware that this would generate a credit inquiry. I was advised that is was in paragraph 5 ; which is below View Free Offers however ; if you are using a mobile device ; the paragraphs do not readily display on the screen. Typically, other websites, make you scroll down or actually check a box to agree before proceeding. I have seen other complaints regarding XXXX XXXX regarding this issue and they are not being transparent to the customers on purpose so they can generate leads. I was advised that up to 5 inquires could be sent. I have a picture of how it shows on my XXXX XXXX that I can provide. I am unable to dispute inquiries on my credit report and I am not sure how this will impact my credit score. Further, I had already purchased a vehicle and I am still getting credit inquiries.
I have a a unverified account from DIVERSIFIED CONSULTANTS # XXXX. I had previously disputed this account. I have never done business with DIVERSIFIED CONSULTANTS. Pursuant to the Fair Debt8 Collection Practices Act ( FDCPA ) XXXX U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that DIVERSIFIED CONSULTANTS Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that DIVERSIFIED CONSULTANTS Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
I am looking at my credit report and my name is not fully my legal name. I would like to update that information as soon as possible.
XX/XX/2018 To : Consumer Financial Protection Bureau Im writing this letter to complain about XXXX XXXX false information provided to Credit Bureau ( Experian ) about delinquencies reported for account Account ( XXXX Advance Mastercard Account Ending in XXXX ). XXXX XXXX  reported on XX/XX/XXXX that my account has later payment for 3 months and current balance {$100.00}. 
After receiving alert from Experian on XX/XX/XXXX, I checked my FICO score and it was lowered by 77 points because of that fraud report. After talking to XXXX XXXX  ( credit card and collection department ) I was told that this is not correct information and bank DID NOT REPORT IT. I attach the letter from bank to confirm their answer. ( date XX/XX/XXXX ) Experian credit bureau dispute was initiated on XX/XX/XXXX and result was returned back on XX/XX/XXXX back that said that information still correct and bank confirmed about my negative status of my CC balance.Currently there is still negative report in my account ( attached copy is provided ). Second dispute is initiated again. 

THE REAL TRUE STORY IS THAT MY ACCOUNT WAS CLOSED IN XX/XX/2018 AND CHARGES THAT WERE MADE TO MY XXXX CREDIT CARD ACCOUNT WASNT AUTHORIZED. CURRENT BALANCE NOW XXXX AFTER WAIVING ALL FEES. 

My complain is about false and misleading information from both agency : Experian bureau and Bank XXXX. There is no real information provided from both of Agencies. XXXX customer support told that none reported to Credit bureau, but Experian Credit Bureau notifies twice that there is still account in bad condition ( balance of charge and later fee for delinquencies ). 
On XX/XX/XXXX I tried to reach both company ( XXXX and Experian ) but none was able to help me as it was so hard to reach correct department and right people who is in charge of doing such reports. I dont think that FICO scores and Credit Bureau reports of people should be TRUSTED by any banks or financial companies. 
Please help me to fix that fraud information and fix my score.
I borrowed money from Cash Net USA, the sum of {$450.00} sense that time I loss my job and they new this. They called me several times and I told them my income had dropped tremendously but they kept calling me. Then they started running a check through my account every night until the bank closed my account. I paid out more than {$400.00} in over draft fees which could have been their money but they ran a check through my account every night until I have no account now. I did n't know that my account had been turned over to a collection agency until today when I received a notice from the XXXX. It stated that Cash Net USA had turn my account over to XXXX XXXX XXXX. I have been receiving a lot of calls from credit adjusters over the pass couple of months they call me at lease 3-4 times a week. They ask me for personal information such as my Social Security Number and my birth date and I refuse to give that information. We were told by the Federal Government not to give out personal Information over the phone because you never know who you are speaking with on the other end of the phone. I refuse to give out that information. XXXX XXXX XXXX refused to give me their address instead they started asking me a lot of questions, all I wanted was the address from them and they refused to give it to me instead they asking me a lot of questions.
XXXX XXXX submitted a hard inquiry to Equifax Credit Bureau on XXXX/XXXX/2015. I have no knowledge of this company.
Please refer to this Case number : XXXX and XXXX. 
Completed Form XXXX was sent on XX/XX/XXXX by usps postal mail. Anyway they had my SSN and all the details from XX/XX/XXXX so not having XXXX with SSN is a mere excuse. Now they are sending letter for collections even when i was never sent the statements in the past ( got it after opening the last CFPB case ). The current letter is regarding overdraft charges which are also incorrect. I just want to close this inconvenient account and have my {$400.00} promotional cash back.
There are several items which are unknown and several which are past the statute of limitations. I have disputed these several times with no outcome. Please help XXXX XXXX XXXX XXXX Past the statute and unverifiable - Remove XXXX XXXX XXXX XXXX XXXX - Past the statute and unverifiable - Remove XXXX XXXX XXXX - Past the statute - Remove XXXX XXXX ( I have an open GREAT account with this company but there is an old one showing that is PAST THE STATUTE with a XXXX balance - REMOVE XXXX XXXX XXXX - Past the statute and unverifiable - Remove XXXX XXXX # XXXX - DUPLICATE AND INACCURATE REMOVE XXXX XXXX ( I have an open GREAT account with this company but there is an old one showing that is PAST THE STATUTE with a XXXX balance - REMOVE
I have requested proof of debt from collector for about 6 months. My last request was made XX/XX/XXXX. The hospital injured me and then tried to charge me to correct the problem, which they failed to do. They provided me no medical care on the dates in question XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX The hospital in question is : XXXX XXXX hospital and XXXX XXXX XXXX
Hello, I would like to file a complaint against Diversified Consultants. They have called and spoken to my husband and myself multiple times per day this week ( at least 5 ).

They called last night and lied to my husband saying that they had already spoken to me ( which they did not ).

They called me today and said that my husband agreed to pay last night but they needed to talk to me for payment ( he never agreed to pay, nor did I ). She also got very belligerent, yelling at me and continued to lie to me about their conversation last night ( which I Was present for ).

I told her that they need to stop calling me and my husband and they need to talk to my attorney, she hung up on me then promptly called my husband to attempt to collect from him again.