WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX/XXXX/XXXX I transferred {$910.00} from my XXXX XXXX XXXX ( XXXX ) ckg acct -XXXX to my USAA ckg acct. -XXXX. I then scheduled my mtg payment to be debited from my USAA -XXXX ckg acct. USAA placed a hold on the funds until XXXX/XXXX/XXXX even though the funds came out of my XXXX acct that night, and I provided USAA with verification. I em 'd USAA & rec 'd a response from XXXX XXXX. She said it was against federal regulations to release the hold. I ask what reg & and was told it was the Electronic Fund Transfer Act of XX/XX/XXXX. My daughter has worked for XXXX XXXX for 18 yrs. so I asked her if this sounded right, she said no, there was an exclusion for customers transferring money between banks " Any transfer of funds for a consumer within a system that is used primarily to transfer funds between financial institutions or businesses, e.g., XXXX or other similar network. '' She said to look on the USAA website for their policy re transfers, so I did. It said the money would be available right away, within a few business days, not a week. I then called XXXX and ask them, they said USAA could lift the hold at any time just show them the completed transfer from my XXXX, but they said it was nonsense as USAA already had this. But I provided it to USAA, XXXX XXXX anyway. She again said there was a federal reg prohibiting lifting the hold. I told her this was simply not true. 
Hide additional information for activity type other payment XXXX USAA CHK-INTRNT XXXX/XXXX/XXXX : XXXX : TRANSFER ID : XXXX INDN : XXXX XXXX XXXX ... 
Edit Description activity type other payment status type icon cleared XXXX. Select to mark activity type other payment XXXX USAA XXXX XXXX : TRANSFER ID : XXXX INDN : XXXX XXXX XXXX ... as Reconciled -XXXX XXXX Type : Other paymentDescription : USAA CHK-INTRNT DES : TRANSFER ID : XXXX INDN : XXXX XXXX XXXX CO ID : USAA FT WEB I then called XXXX XXXX, a manager at USAA whom I had dealt with on another occasion. He said my average daily balance was less than {$910.00} so they would not lift the hold even though they knew the money had actually cleared. He also said it was against 'federal regulations '. I told him it did not say this on their website, and there was no federal regulation. 
It the interim my mtg payment processed and was declined, then USAA charged me {$29.00} NSF. This is outright discrimination and illegally holding of funds.
I have a Wal-Mart credit card that I recently paid off, XXXX XXXX, in the amount of $ XXXX. Today, my wife looked at our account, lo and behold, Wal-Mart had withdrawn an identical payment on XXXX XXXX. It was listed the same way as the previous payment, an online payment. My wife called our bank, and they could stop the still pending payment, but they would charge us. Even though it was an identical amount for an insanely high dollar value. They told her to call the credit card. When my wife called them to talk to them, they went between saying we did it, our bank did it, maybe a 3rd party did it, or someone paid in store or who knows what. They tried telling her that I must have made a {$670.00} payment on a closed, zero balance card. After much arguing, they finally relented and reluctantly told my wife they would issue a refund. This however would take 7-10 days to get a check in the mail because they do n't issue electronic refunds ( despite the fact that they do electronic withdrawals ). So my wife called the bank back up who only decided to stop the payment and not charge us because we were such " good customers '' with " no previous overdraw fees ''. So then my wife had to call the Wal-Mart card back, and cancel the refund. They continued to blame us for it, and only after my wife prodded them, they admitted that had the refund continued through with our bank cancelling the payment, we would have had massive fees and fines for what they would consider " using a cancelled card. '' We finally got the whole thing resolved, but my wife had to spend all day on the phone. Wal-Mart credit card tried stealing $ XXXX from us, and we had to twist arms to get our bank of 10 years to work with us.
My lender wants to foreclose on my home but have refused to provide a payment accounting statement and proof that my loan was sold to them in accordance to the Fair Debt Collection Practices Act. Last week they posted a Notice of Default - ( a stack of papers at my front door containing my loan number and personal information ). I feel like they are trying to embarrass me. The papers stated that they do not have a valid phone number for me but that is a lie because I have been talking to their insurance department. My water heater leaked and caused water damage, Seterus held on to the insurance payout check. They are paying me in increments as the repairs are being done. So it is not possible for them to claim that they do not have a working number for me. They had also sent a lady from XXXX to take pictures of our house, my husband even closed the garage door for her to get a good picture.
On Sunday, XX/XX/XXXX, I received a text from Huntington Bank about a possible fraudulent charge. The transaction was declined. I went online to look at pending charges and found two transactions before that had been charged to my account that were fraudulent charges. The Transaction dates were on XX/XX/XXXX and XX/XX/XXXX. I called customer service immediately. The customer service rep on the phone agreed that it was strange the charges were done on the East coast ( a place i have never been. ) They claimed they could not do anything till the transactions had hard posted. They also said they would immediately send me a new card. I was a bit on edge, because another credit card of mine had fraudulent charges a few months ago ( discover ), but the fraud charges were immediately taken off. It was a simple process that was resolved within 5 minutes of me calling. It seems Huntington Bank was going to put me through a lengthier process. They claimed this process was similar to another big bank. 

I kept being persistent and kept calling customer service. On Tuesday, XX/XX/XXXX, the transactions had finally hard posted. I called and they put me the fraud department. They said i would probably receive a provision credit within a week and that they would immediately send me paperwork to fill out. 

The current date is XX/XX/XXXX. I have checked the mail every day and have found no credit cards or fraud dispute papers. The fraudulent charges are still on my account. Everytime i call, the company seems to give me the run around and is prolonging the process. All the paperwork, replacement card, provisional credits, issues of resolve have not processsed at all. There is nothing, but silence from the part of Huntington Bank. 

the fraudulent charges ( which the customer service reps seem to acknowledge is fraud ) are posted on post date XX/XX/XXXX trans date XX/XX/XXXX Wawa XXXX XXXX XXXX , FL reference number XXXX for {$100.00} post date XX/XX/XXXX trans date XX/XX/XXXX XXXX XXXX XXXX XXXX, FL reference XXXX for {$99.00} the third fraudulent charge that was not processed matched the XXXX XXXX above. They acknowledged that was fraudulent, but refuse to do anything about the ones that have gone through.
Clarity Services Inc, a financial reseller, made two separate unauthorized credit inquiries on X/XX/2017and again on X/XX/2017. I have never heard of this company and did not request/authorize an inquiry from this company.
Transunion continues to post a report of a duplicate negative report from XXXX XXXX XXXX Transunion # XXXX despite my continued complaint that this account is in Arizona, and not XXXX account. I have no account with XXXX XXXX, and I owe NO money to XXXX XXXX. Arizona is the originator of the account, and should be the only XXXX reporting to the credit bureau. See attached XXXX credit report showing the reporting of the account which was also reporting twice the same account. This was recently cleared up. I was just turned down for a credit card with XXXX on XX/XX/2016 due to my credit. See attached. This incorrect posting of this account can affect my job prospects as well. The facts are that I have overpaid my Arizona child support by {$8000.00} plus dollars, but that 's another story. Please take into account my XXXX years of military service of this country, and how I must feel being unfairly punished by this misreporting, and seemly impersonal process by Transunion.
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

Below are fraudulently unauthorized inquires on my report : Company : XXXX Date : XX/XX/XXXX Company : XXXX XXXX   Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX Date : XX/XX/XXXX BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : XXXX XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance:XXXX
XXXX XXXX is facing a financial hardship. He has reached out to his servicer BSI for assistance to retain his home. BSI has stated that they will not assist XXXX XXXX because they are stating he has insufficient income and excessive obligations per the decline letter sent in XXXX 2015. XXXX XXXX has the home and a small car payment of XXXX monthly ; no further obligations. He is delinquent on his mortgage in the estimated amount of {$59000.00} without attorney 's fees and cost. He became delinquent due to his wife becoming XXXX. She was no longer able to work and there were excessive XXXX bills along with a curtailment of income. 
BSI then stated via email XXXX 2015 that the home has equity in the amount of {$100000.00} as XXXX is showing the value of the home around {$330000.00}. BSI failed to provide an actual figure which they should have on hand as they had just reviewed the home for modification. A BPO should have been on done and provided. BSI stated that the " current payoff not including fees and costs is approximately {$230000.00}. '' XXXX is failing to acknowledge the provable hardship and using incarnate information. The homeowner has NO equity in the home as he is behind since 2012 in the amount of XXXX without the attorney fees and costs. A short sale would not benefit XXXX XXXX. The value of the home ( see attached ) per the property profile that we paid to pull XXXX unlike XXXX which is free and more often than not inaccurate ) stated the property value of the home at XXXX. THERE IS CLEARLY CONFLICTING INFORMATION. 
XXXX XXXX feels that BSI is discriminating against him based on his Race, ethnicity, language, and national origin. There is no tangible reason for BSI to refuse to assist him. To clarify, they stated XXXX reason to deny him in writing and then stating another via email. XXXX XXXX is not against asserting his legal right in district court and will name BSI as well as XXXX XXXX and XXXX XXXX XXXX as defendants.
On XXXX XXXX XXXX XXXX XXXX XXXX banned me from opening an account with any other bank because of a check fraud scam. I was a victim of check fraud and they treated me like the criminal who committed check fraud. They froze my assets and closed my account. I have not been able to open an account since. I tried to file a dispute against the claim but XXXX XXXX XXXX was very uncooperative an their customer service was very unfriendly and not at all helpful. The staff inside the bank would not even help me dispute the claim. It is now XXXX and I still am not able to open an account, and all of the evidence is now lost so I am not able to file a dispute, and XXXX XXXX XXXX will not allow me to open an account or allow me to open an account with any other bank. If there is a check fraud scam XXXX XXXX XXXX will assume that you are a criminal and treat you as such. They will not work with you and all of your attempts to clear the account will be futile.
I have a loan with SEARS/CBNA. 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   and SEARS/CBNA with no successful resolution. XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX and XX/XX/2018.
IS SHOWING OPEN ACCOUNTS COLLECTIONS ON MY XXXX CREDIT REPORT. ALL DEBTS HAVE BEEN PAID
Experian is reporting a past due balance from a credit card company. The credit card company did not notify me of a past due balance. I have no other late payments with any other companies. The other 2 credit burrows have removed this issue from my credit. Experian is a terrible company and someone needs to do something about there in ethical lazy appreciate to dealing with issues.
XXXX XXXX XXXX is continuing to report 8 accounts onto my credit file that does not belong to me. I am a victim of identity theft and the accounts are a direct result of identity theft. I have never had any obligation or any contract that binds me to owe XXXX XXXX XXXX or any company that it represents. I have never received any communication from XXXX that informs me of these accounts that would have given me my right to dispute the validity of each account. 
XXXX in the amount of {$1300.00} XXXX in the amount of {$1700.00} XXXX in the amount of {$1700.00} XXXX in the amount of {$1300.00} XXXX in the amount of {$2000.00} XXXX in the amount of {$2000.00} XXXX in the amount of {$1400.00} XXXX XXXX XXXX in the amount of {$1600.00}
I 'm trying to link my Capital One 360 account to XXXX, and Capital One is blocking me enabling external applications.
Pay-O-Matic cashed XXXX of our checks to a customer without verification. We had stopped payment on the check at the customer 's request. Now, they continually harass me and my company 's management regarding this check.
A company identified as IC Systems contacted me by telephone at my job about a week ago and wanted me to " verify my address ''. Because I had no established relationship with them and did not know who they were I refused to give any information and asked that they not contact me on my work number again. They have since called the company repeatedly, prior to my work hours, and have disconnected or hang up the call as soon as someone answers other than me. I was told they asked what was a good time to reach me and was told after XXXX XXXX. Since I spoke with them about a week ago ( after XXXX ), their names appears on my employers call log on at least two occasions -- most recently this morning ( XXXX XXXX, 2016 ) at XXXX XXXX.
Please consider this correspondence to be formal notice that our mutual client is hereby filing a complaint on the denial of loan modification because your company failed to evaluate this borrower for all los  s mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 (  c ) ( 1 ) ( i ).
The lender has refused to review this clients file for loss mitigation options due to the package being received on  XX/XX/XXXX 2017 with a sale date of  XX/XX/XXXX 2017 - This is more than 7 days prior to the sale date and being that the lender services more than 5 thousand loans they are required to review this file.
ALLY XXXX RAN MY XXXX CREDIT 9 TIMES IN 1 YEARS 8 TIMES WITHOUT WRITTEN APPROVAL IN VIOLATION OF FCRA.
Sent several letters out to XXXX, Equifax and XXXX about not having the accounts verified through electronic verification and provide me with documentation showing the validity of these items. Two letters have already gone to XXXX, Equifax and XXXX asking for personal verification and not electronic, and all 3 credit bureaus continue to verify it as correct through electronic verification. They did not contact the creditors personally, but did it though electronic verification after I requested that they do not use that form of verification and to verify my signature. They have failed to do this request. I do not have the correct account numbers since all they have is X and not the correct numbers. The bankruptcy is incorrect and they will only verify thought XXXX and not personally from the courts.
I was offered credit to purchase a pet at XXXX XXXX XXXX in Michigan. They told me there would be 0 % interest for the first 6 months. They did not make clear that if the balance was n't paid in the 6 months that I would be charged interest based on the original balance. On a balance of $ 3000+ I made 30 % + of the full payment with no interest to try to get the balance as low as possible assuming I would be only charged interest on the remaining balance. 

Unknowingly after the 6 month period ended I was charged interest on the full balance ( {$3400.00} although I had got the balance down to {$2200.00} in the 6 months ) of the original loan NOT the balance left at a very high interest rate. I called to try to work something out and was told they could take a small part of the interest rate payment off but not all of it. I realized based on the rate and the finance charge which brought the balance up almost {$500.00} that I would not be able to make minimum payments but would basically only be paying the interest so I asked for the hardship programs they had. They told me in XX/XX/XXXX that I was enrolled in one lowering the interest rate which was 20 % + to 9.99 %. I immediately paid the minimum outstanding based on their representation that I was enrolled in the program. On XX/XX/XXXX I called after my statement did not reflect the new interest rate and asked what happened. A women told me that there was a system error and that I had not been enrolled yet and that a new statement would come out. I called again on XX/XX/XXXX after I did not receive a new statement and my online account did not reflect a change and was told I was not enrolled in the program again. I have also emailed them and received no response. I am at this time stuck paying the higher interest although they told me when I made the payment in XX/XX/XXXX that going forward my interest would be significantly lower. While I have had lines of credit with Commenity Capital Bank in the past, this particular arrangement is deceptive, unfair, and has been an undue burden and caused me substantial financial loss. The people who extended the line of credit at the Pet Store did not properly inform me what I was getting into and Commenity Capital Bank has failed to be responsive to my concerns.
I received a bill by email from for an item I NEVER received, it had my name, address and city was wrong.
It has been more than one year since contacting you requesting help with my incorrect ending balance at bank of america who is the servicer of my home loan. I have tried unsuccessfully numerous times to refiance my mortgage loan dating back to 2013 first with bank if america then next with XXXX. BOth banks will not close my loan unless I pay a balance that is incorrect. Bank of American has added to fixed 30 year monthly payments and ending balance incorrect forced insurance, late fees. Reported too all Credit reporting agencies my loan as being late over the past twelve m onths. Impacting my credit reporting scores to be too low to obtain another loan. MY current rate is XXXX plus. I have lost out on over three years of XXXX to XXXX per month in loan savings
I am being charged almost {$10.00} a month for life insurance credit protection through Best Buy/Citibank credit card. I never signed up for this service. The company will not remove any charges even though I have asked them for proof that I consented. In addition, I 've never been given any sort of paperwork or any details on exactly what this product is. The monthly fee is XXXX of my payment every month. Because of this fee I 've barely paid down my balance, it 's just a continuing cycle.
in 2011 XXXX located at XXXX XXXX XXXX XXXX XXXX, OH XXXX charged me {$3900.00} for an apartments i co-signed with my ex wife. First, They refused to show my wife the apartment before signing the lease. After signing the lease the actual apartment was filthy, muddy and had sign of roaches. My ex-wife asked to cancel and they refused. They stated they would charge us XXXX months of rent regardless they rent the place the next day. They did surprisingly. It 's been reported on my credit with National Credit System, a collection company. When i contacted the manager for XXXX XXXX they refused to talk and stated i would have to talk to the collection agency. This is a violation of my rights as a peaceful citizen and a tax payer. This is a fraud since they key was never handed to us and we never had to move either since they refused to show us another apartment or even cancel the lease which they promised to do if we did not like the apartment. This place is a total bluff and a scam.
Received an e-mail offering  XXXX  bonus points after spending {$500.00} wi thin three m onths.   I spent more than {$500.00} and the bank awarded my just  XXXX  points.   When I inquired, was told that offer expired the end of  XXXX ,  2017 .   Yet everyday, I receive the same e-mail offer from the bank when I log onto my account.
XX/XX/XXXX, I had originally opened a credit card with Sovereign Bank, which was administered by the third party XXXX XXXX XXXX. XXXX Santander Bank 's acquisition of Santander Bank XX/XX/XXXX, all credit card administration was transferred from XXXX XXXX XXXX to be handled in house by Santander Bank. Upon reviewing my credit report XX/XX/XXXX, I noticed that my credit reporting history dd not include any of the time that my credi card was handled by XXXX XXXX XXXX as part of Sovereign Bank. I inquired about this first with Santander Bank, and was told that they did not have any record of my credit history prior to the acquisiton on Sovereign Bank, ( this despite the fact that I never closed any accounts, and all of my checking, savings, and credit card account balances were transferred over ). I was instructed to contact XXXX XXXX XXXX. XXXX XXXX XXXX informed me that they no longer have n records of the credit history for any clients that were transferred to Santandr Bank, as all client records were handed over toSantander Bank. I have filed multiple inquiries with Santader Bnk to no avail, and am contnually told that they do ot have any information, again, this is despite the fact that I never closed any accounts, and all of my checking, savings, and credit card account balances were transferred over following the acquisiton by Santander Bank. This situation is negatively impacting my credit score and the average age of my account balances, as well are credit reporting history. I am requesting a formal CFPB complaint to be filed against Santander Bank and XXXX XXXX XXXX regarding into this matter.
I 've received a letter from this company, claiming I have an account with them or I them you something. I have never entered into any business arrangement and I have never signed any contract to conduct any kind of business with them. Also, because they are a 3rd party collector, they have no permission to furnish any information on my credit report. 

Furthermore, the debt that they are trying to collect has been a result of identity theft. 

I do not owe this company anything and I want them to close my 'account ' with them immediately.
I have received a phone call every day since XXXX/XXXX/15. Asking for someone who I do n't know. I have repeatedly asked them to update their information. They constantly ask for my birthday and social security number.