WillisBack/dataset-financial-user-claim huggingface dataset:
I have had a mortgage on my current house and has always been on automatic draft out of my checking account. My mortgage company paid my county TAX bill late ( -- even after several phone calls to them advising them I was receiving late notices ) -This caused my county ( XXXX ) to put a tax lien on my credit report and now I cant get them to correct it. This has hurt my credit rating and I have dropped from an Excellent rating to a Good rating. I have made many documented phone calls and emails to XXXX will not do anything to correct the situation. I have notified the Credit Reporting agency and XXXX XXXX and nothing has been done in over 2 months. Please Help
XX/XX/2018, I disputed an account reported by XXXX XXXX for XXXX XXXX XXXX, I was informed in XX/XX/2018 that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report, In XX/XX/2018, 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, Requirements relating to the reinsertion of previous deleted material. I am suppose to be notified within 5 business days. If any information 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 re-insertion in writing no 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., I have 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 Transunion Credit agency delete this item from my credit report in order to avoid legal action. I have copied this complaint to the States Attorney 's office, XXXX XXXX XXXX, and
XXXX ran my credit WITHOUT MY CONSENT OR AUTHORIZATION! Transunion or XXXX  did not properly conduct the investigation and has still Not removed this from my credit report hence me filing another complaint in less than 3 months!
I have a Bank of America Credit card. With that card I had a cash advance balance at one higher interest rate and a lower rate on my purchases. I noticed that the cash advance balance was going up instead of down and what I determined is that when they get my minimum payment they take all of the payment and pay the interest charges out for the lower interest purchases first and then they take the rest of the payment and apply it to the principal. That means that the interest accrued on the higher category cash advance is added to that higher rate principal balance as if I 'm not paying anything on the interest of the higher rate balance. Is this even legal to not take the interest rate charges out of a payment but apply it to the lower principal before paying off the interest charges first? If it 's not illegal, it 's at least misleading in how credit card interest rate charges get accounted for. 

Thank you for your help!
In XXXX XXXX, my wife and I secured a loan with Wells Fargo Dealer Services for a XXXX Scion xD. In XXXX XXXX, I became unemployed. My wife and I were able to continue regular payment until late XXXX, after my unemployment was exhausted. I finally secured part time employment XX/XX/XXXX, and finally full time employment XX/XX/XXXX WFDS did defer XXXX payments XX/XX/XXXX, but we have still struggled through XXXX. Our car was repossessed in XXXX XXXX. We explained the situation to WFDS, and were able to borrow money to reinstate the loan and catch it up until XXXX XXXX ( although we were under the impression that it was caught up to XXXX XXXX ). From there, we were unable to make the next payment XX/XX/XXXX ( XX/XX/XXXX per their records ), but were able to pay {$400.00} XXXX ( a full payment ) and another {$300.00} XX/XX/XXXX, with the next payment stated due XX/XX/XXXX. However, XX/XX/XXXX within 6 months, and the vehicle just over 2 months past due, WFDS decided to repo the car again, and is now demanding full redemption to get our car back. We were quoted {$10000.00} before XXXX or the car is to be auctioned. WFDS is unwilling to negotiate. In fact, their staff has been mostly uncaring, rude, and condescending.
I purchased an XXXX  for {$180.00} on XX/XX/XXXX. On XX/XX/XXXX, I cancelled the reservation for a 50 % refund. I was unhappy with a 50 % refund, so I started a dispute with CITI. 

On XX/XX/XXXX, I received a notice from CITI that they were going to reverse the dispute and charged me {$93.00}. A {$90.00} refund had been received but I had also received a {$93.00} penalty, so I ended up paying more than the cost of the XXXX  for something that I had cancelled and received services from.
Navy Federal Credit Union extended a checking account to me with XXXX overdraft protection XXXX. In XXXX they also approved me for a XXXX credit card XXXX and loans. 
My checking account has been frozen 20 times end of XXXX to XXXX. During the Holidays XXXX and XXXX I couldn't access my funds through ATM. I was forced to borrowed money from friends and relatives until the NFCU staff came back from the Holidays to access my funds. The collections department until XXXX would pay my bills using my overdraft monies that was a normal practice for 3 years. Also charged XXXX fees in excess. I requested a line of checking account credit but the representative said they'd have to shut down my visa card for a week for me to get approved. I've been told my account can be approved for a second checking accounts. They've held me on the XXXX overdraft since XXXX. 
I was also told that the fees were correct charges of excess in overdraft eating my paycheck every week. 
Collections threatened me in letter form that my checking account would be closed because of my negative balance but refuse me.
BB & T did not remove my Private Mortgage Insurance ( PMI ) from my mortgage payment whenever my loan was paid down to below 78 %. I called them and spoke to two employees. XXXX ( employee ID XXXX ) and XXXX XXXX ( manager ). Both of them falsely told me that I had to write in to have the PMI cancelled. It's my understandign the the Homeowners Protection Act states that PMI will be automatically removed from a mortgage when the balace is under 78 % of the original appraisal value.
transUnion told me that they will not reinvestigate a public record that 's not mine because they tell me they have information saying that it 's correct but they will not provide the proof they supposedly got about the public record
Bank of America has decided to make banking decisions on social policy rather than on sound business decisions. How can banks deny banking services to perfectly legal businesses? 

With all of the highly personal information that banks collect ; how long before they start enforcing their social policy on consumers? I think the banks that had such poor policies that they required almost {>= $1,000,000} of US taxpayer money shouldn't be trying to push legal businesses out of business.

We need all banks to follow the laws that apply to they and not be listening to fringe groups that encourage them to break the laws of banking. Americans need you to come down hard on banks that aren't following laws and policies that are meant to protect ALL legal businesses and people in the USA.
I opened this account and I was saving little by little. I work XXXX   XXXX .. a man with whom I worked for gave me a check and I immediately called the bank to see if the check was good. They kept laughing and hanging up .. when I drove to the bank the lady called the cops and told me that the check was bad. She then closed my account and reported me too XXXX XXXX FOR FRAUD. # 1. How was it fraud if the person gave me the check? How was I supposed to know? 
# 2 she called my brother a XXXX XXXX XXXX and said she would have him XXXX XXXX * COMPLETLY UNPROFESSIONAL *.. I waited for the cops and they said for me too just call the corporate because that was ridiculous.. I want MY NAME CLEARED FROM XXXX XXXX   BECAUSE NO MONEY WAS EVER CREDITED FROM THAT CHECK AND I DIDNT SPEND ANYTHING AND I DID NOTHING WRONG!! Complete disrespect and I have had all my banks CLOSED DUE TO HER REPORTING ME!!!! Crazy
I am beyond exhausted with all my efforts to resolve this matter with ability recovery for a # of months Ive been back and forth trying to find a solution to have this account remove off my consumer report. I have no response back from any of my corresponders within all departments. Ive been advised by my attorney to file a suit and sue for for damages that Im entitled to under the FCRA. I prefer to work directly with this company in resolving this issue that will result in removal of this account off my consumer report. I have no choice but to sue should I find no response once more after this complaint, this is my final attempt. I will therefore move forward with my supporting document. Ability recovery has this account # on this report that I have absolutely no knowledge of. This has been a complete devastation to my entire family and myself due to fact this has held up an entire mortgage process having us nearly homeless. Please assist me in the aggressive removing of this account.
I requested an investigation into the following unknown and unauthorized credit inquiries listed on my Transunion credit report, yet they remain in direct willful and continual violation of the FCRA ( Fair Credit Reporting Act ). 

1 ) XXXX on XXXX/XXXX/XXXX XXXX ) XXXX  XXXX on XXXX/XXXX/XXXX XXXX ) XXXX XXXX on XXXX/XXXX/XXXX Under the FCRA Section 604, please provide the following information : 1 ) Permissable Purpose 2 ) Proof that the consumer initiated the unauthorized inquiry 3 ) Written Authorization Failure to provide the above requested items as evidence that I authorized these inquiries is sufficient grounds for removal of the inquiries from my Transunion credit report. 

Thank You For Your Time.
XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX, Equifax, XXXX, XXXX Re : Acct # Fraudulent Accounts reinserted without notifying me To Whom It May Concern : On XX/XX/XXXX I disputed an account reported by XXXX XXXX, XXXX XXXX, XXXX, XXXX, CXXXX XXXX XXXX in the file you maintain under my Social Security number. I was informed on XX/XX/XXXX that the item was deleted from my credit report. Now I have discovered recently that the item has been reinserted on my credit report. XXXX XXXX posted several bogus account on my report to try and get some compensation thinking that I was ignorant enough to fall for it. This is by far disrespectful and misuse of my credit report, several laws we 're broken according to FCRA. I am consider filing charges along with filing a civil law suit at the court house in my county upon the response I receive in 5 days or less. 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 consumer 's 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. 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 General 's Office, and the BBB. Please govern yourself accordingly. XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
On XX/XX/18 I used the website Coinbase.com to buy {$1200.00} of Ethereum cryptocurrency. They mistakenly took twice that amount {$2400.00}. I disputed the charge through my bank, Coinbase cancelled the transaction and I got the additional {$1200.00} back. 

Because of this Coinbase had frozen my access to their exchange ( GDAX.com ) where I keep the rest of my money ( about {$5800.00} in Ethereum and Litecoin ) until the situation was resolved. 

The issue that caused this was resolved during the first week of XX/XX/XXXX and I am still locked out of my account. I can't buy/sell/transfer any of this money. 

I have been in contact through phone and email with their support many times and they have simply told me that my case is " escalated. '' This has gone on far too long, especially because the issue that triggered the account lockout as solved over a month ago. 

Can you please help me? 

Thank you.
I am disputing a hard inquiry from XXXX XXXX. I pressed the wrong button and was applying for a XXXX card. This is a mistake. This hard inquiry has to be removed. XXXX stated they are reviewing the application so I cancelled the application. This inquiry was meant to be for XXXX, not XXXX. I explained there was issue with my phone and it went straight to XXXX instead of XXXX. I don't want that card even though I am approved or not.
I have been contacted on my mobile phone four times by CMRE Financial Services. The first two times they left a message asking specifically for my child who is XXXX years old. I called the number that was left ( the contact number changes every time ) and was able to speak with a representative who told me that this was a financial matter regarding my child. When I informed the agent that my child was a minor, the representative then said that she needed to verify some information and asked for my child 's birthdate. I told the representative that I would not provide her with my child 's birthdate and she proceeded to ask for our home address. I did not provide that either. I requested that she forward any billing statement or printed materials regarding my child to the address that they have on file. The representative became belligerent and then disconnected me. This has happened twice. I do not know where this stems from and it has me concerned. Any assistance that you can provide would be greatly appreciated.
I have been trying to work with the credit bureaus XXXX, XXXX, and Experian with getting these fraudulent accounts removed from my report, they always say the information will be removed or they'll follow up with me but they don't. I have contacted them several times in regards to this situation, I do not want to be held accountable for something that isn't mines, I just want the accounts to be removed and from under my name and my credit report.
I signed up for a Chase Checking Account on XX/XX/XXXX. Chase.com advertised a {$200.00} bonus when direct deposit is made to the account within 60 days and with a coupon applied. I signed up online by clicking the green Open Now button shown in attachment Capture1, which states below it " Coupon code automatically applied ''. I opened the account through this link believing the code was applied. 

Apparently, this was not the case and the code was not active, in spite of the advertisement on Chase.com. My first direct deposit was made to the account on XX/XX/XXXX, as shown in attachment Capture2. I waited until statements covering 60 days were posted, but did not receive the {$200.00} bonus. 

On XX/XX/XXXX, I visited a local Chase Bank branch and spoke with a manager who referred me to call the corporate customer service ( XXXX ) to investigate why I had not received the bonus. 

On XX/XX/XXXX, I contacted Chase 's customer service team and was told by the first representative that I should have received an email with the code. I explained there was no code provided because I had followed the link where the code should have been automatically applied as advertised. The representative told me that because I had not applied the coupon code ( which was never provided ) to the account within 30 days that the {$200.00} bonus was forfeited. I asked her to transfer me to a manager for further discussion and she disconnected the call. 

Frustrated, I immediately called back and spoke with a different representative. She explained that the code indeed should have been automatically applied and must have failed at some point in the process. She placed a note on my account detailing that this {$200.00} sign on bonus is active until XX/XX/XXXX, but told me that my only option was to contact a manager of a local branch to ask them to add the code retroactively to my account.
Zenco collect called my and my wife 's mobile number and left a recording stating a " serious legal complaint '' has been filed against me and I need to call them immediately to prevent action. I returned the call and they stated they were going to garnish my wages in court tomorrow for {$8000.00} unless I settled a debt with XXXX. When I stated I am not aware of any valid debt, they stated it " would not be on my credit report yet ''. I said go ahead and said goodbye. They called again, and then stated a " legal complaint '' had been filed against me and they are going to court for XXXX. When I stated they just called me and stated XXXX was filing against me, they said something about being the same company. I asked then to speak specifically to a registered attorney who was filing the complaint they connected me to person who said they were an attorney registered in XXXX Tx. When I stated how can they can call a mobile phone and threaten me with legal action in XXXX different states for tomorrow with no basis ( they seem unsure which state I lived in ), she stated that she never " not threatening '' me and stated your associate just did, and she hung up.
I have had this issue with experian time and time again. they keep using my current address as an old address. I can not remove or lift the freeze from my credit report when i need to because they are using information that is not mine. I can not even verify identity using their system because their system is asking me questions that do not pertain to me and it is indicating my current address as an old address. When i file a complaint, they will fix the issue temporarily and them put it right back to incorrect information. I live in XXXX, SD and not anywhere else. I would like them to use the correct information and stop with the fraud tactics. I have a fraud alert placed on my credit but the credit bureaus are committing the fraud.
I took Wells Fargo mortgages to court over 3 years ago and they still have not applied my payments correctly. The judge had to call Wells Fargo every month from I beleive if was from XXXX XXXX thru XXXX XXXX to get Wells Fargo to follow the stipulations on judge XXXX 's decree in my favor. Finally on XXXX XXXX they said they did everything the judge told hem to do. 
They did not do what the judge told them to do. For he next 3 years they have not applied my payments to my account. I have made my payments according to the judges decree. I 've made my payments, when I make my payments and let 's say for example my payment coupon/statement would say I am XXXX in arrears, I make my payment and it now says I am XXXX in arrears even though I just made a XXXX $ mortgage payment. My decree states that from this point forward that I XXXX XXXX will XXXX my payments as such : there is no balance plus payments to be paid, just my payments. 

Ive called Wells Fargo and the open a resolution, but every time they send me back a list of all payments received which does not include all of my checks received : I provides them proof of all my payments and they just aend me their itemized liar XXXX payment received and then they close my case. They do not even look at what the judge has decreed. They just throw if write back at me when the judge had to keep calling Wells Fargo dos 3 months for them to get their act together : I then reopened my lawsuit with Wells Fargo and the judge order them to lay me XXXX $ this was XXXX $ for each of my XXXX loans. 

I finally ended up doing a loan mod on XXXX of my loans and they again tried to foreclose on my home even though I made all of my payments. Now they are trunk to foreclose on my rental property. Wells Fargo does not follow judges order and they take no responsibility for their actions. 

XXXX of the things Wells Fargo responded was that payments were to begin on XXXX XXXX for both my properties. Actually the court documents state payments are to begin XXXX XXXX. I had started an inquiry in XXXX XXXX I beleive and every 2 weeks I received a new letter stating they needed more time to investigate this went on for over 6 months
TD Bank hereinafter called " alleged lender '' claims that they lent their money to me. Alleged lender claimed to me that the alleged lender would charge interest as compensation for lending me the alleged lender 's money. Financial institution 's CPA audit opinions claim that financial institutions involved in issuing alleged loans or loans follow Generally Accepted Accounting Principles, GAAP. There is a dispute regarding who loaned what to whom regarding the alleged loan. The alleged lender claims that they lent me their money. The alleged lender claims that the alleged lender has loan papers with the affiant 's name on it as evidence of a debt. The bookkeeping entries show the opposite and that the affiant was the lender and that the alleged lender was the borrower : According to GAAP, this is what happened : the alleged lender and financial institution involved in the alleged loan never lent XXXX cent to the affiant as adequate consideration to purchase the affiant 's promissory note. The affiant first became the lender to the alleged lender and the alleged lender was the borrower. According to GAAP, the bank recorded the promissory note as a bank asset offset by a bank liability. The promissory note was recorded as a bank asset in exchange for credits in the affiant 's transaction account or to give value to a check or similar instrument. The matching principle in GAAP requires that there be a matching liability offsetting the promissory note recorded as an asset and that the liability shows that the bank/alleged lender owes the alleged borrower money for the promissory note that was lent to the bank or alleged lender. The promissory note was deposited in a similar manner as cash is deposited into a checking account. Depositing cash or a promissory note into a checking account or a transaction account is the same or similar to loaning the alleged lender the cash or promissory note. According to GAAP, the promissory note was deposited as a bank asset offset by a bank liability with the bank liability showing that the alleged lender owed the affiant money for the promissory note that was received from the affiant and deposited. When the bank deposited the promissory note and credited the affiant 's transaction account, the alleged lender, the one who claims they own the promissory note, recorded a loan from the affiant to the alleged lender, making the affiant the lender and the alleged lender the borrower. The alleged lender returned the equivalent in equal value of the loan to XXXX XXXX, the lender per GAAP. When the money was repaid to XXXX XXXX, the true lender per GAAP, XXXX XXXX and ignored the bookkeeping entries which proved the money trail of who lent what to whom. The alleged lender claims to be the lender using a promissory note to claim they lent money to the affiant but GAAP shows that the opposite happened. The alleged lender did the opposite of what the affiant, XXXX XXXX understood and believed was to happen, creating an XXXX XXXX
XXXX - XXXX XXXX XXXX XXXX XXXX. I have never been late in a payment and they reported I was 30 days late on a payment. I call every month to take care of my payment. There is no reason why this was reported to XXXX