WillisBack/dataset-financial-user-claim huggingface dataset:
I banked at Bank of America. I am on a fixed income, and unfortunately, due to my finances being stretched thin, and having made the mistake of allowing debtors to debit my account directly, there were numerous instances of my account being negative ( overdrawn ) at the end of the month. But what BofA did, was to monitor my account, then, when debits came in they were not processed immediately, in the order of their occurrence, they were put into a " pending '' status. The largest amounts were then deducted first, taking the account into an overdrawn condition, the result being that they were then able to charge {$35.00} for each small debit, as opposed to the actual in sequence debits, which would have resulted in only XXXX {$35.00} overdrawn charge. The financial impact was numerous months where the charges exceeded {$300.00} ... ..which compounded my financial problems the following month. I wrote to BofA and filed complaints several times ... .to no avail. I know someone was watching my account and doing that out of sequence debiting deliberately to achieve raiding my account for greater numbers of {$35.00} fees than would have happened if debits were done sequentially. I finally left BofA, but they continued to tack on additional fees which today have a total of around {$500.00} ... which I will not pay regardless of the effect on my credit rating. I am XXXX years old and will never buy another thing on credit again. Now that we know the dirty underhanded way the bankers and wall street have cheated, deceived and exploited XXXX for their own gain. It is so sad to me that ehy have not been effectively prosecuted. Such as the CEOs being chaged and found guilty of Felonies for XXXX XXXX, and then were given waivers and the bank was fined $ XXXX, paid by the banks customers. The lying cheating executives got to keep their ill gotten millions. Disgusting!! I am voting for XXXX XXXX in the hope he is elected and my bring about some change in what billionaireds get away with in America.
On XX/XX/XXXX I did a move out inspection with XXXX XXXX the property XXXX of XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX. On XX/XX/XXXX I received certified mail from XXXX XXXX which stated the final billing and settlement statement and all was paid in full with the termination fee and forfeiture of security deposit. On XX/XX/XXXX I get court notice to appear in court for abandonment, I go to court with all my documents on XX/XX/XXXX and the case was dismissed. I have all documents including move out insepection which was provided in my dispute. I am sending you all the documents I provided to XXXX I dont understand with all the court documents and move out inspection why are they still reporting in accurate information. Reference # XXXX for XXXX
I have applied and was approved for a new XXXX card on XXXX, using a promotional offer which required me to spend {$3000.00} on the card within three months of account opening to receive XXXX Membership Rewards points. I have completed the spending required in XXXX and have received the rewards towards my rewards account, however, my account has been frozen since then " to review that all purchases meet qualification criteria '' which means that I effectively can not use the rewards which I received after successfully completing the spending required for the offer ( and paying the {$450.00} a year annual fee ). My account is in good standing and I have paid all the balances on my account. 

I was told that the review takes 8 weeks but it has been more than that at this point and my calls to XXXX did not resolve the issue. Please help me unfreeze my rewards account to make use of my rewards points.
I made a wire transfer to COINBSAE INC on XXXX XXXX, 2017 in the amount of USD XXXX. Below is the email that we received from COINBASE stating that our wire transfer will be sent back to my account in 3-5 business days. It been over 2 months and I have not yet received my money back. I have been to my bank and they requested wire recall three times and COINBASE bank did not respond to wire transfer recall despite they told us that they have rejected our wire. Here are the details of the wire transfer 

XX/XX/17	WT FED#XXXX XXXX XXXX  XXXX=COINBASE INC SRF# XXXX TRN#XXXX RFB#	 	$XXXX

On XXXX XXXX, 2017 at XXXX PST "Coinbase Support"  wrote:

Hi there,

Thanks for your interest in wiring funds to your Coinbase account.

We recently received a wire from a name that didnt match the name on your Coinbase account. Unfortunately, in these cases we are unable to accept the wire, so we will return the wire to the account it was sent from. This reversal process typically takes 3-5 business days, but may take longer.

I apologize for the frustration with this. To avoid any difficulty moving forward, please send future wires from an account that matches the name on your Coinbase account. Please feel free to try the wire again from a different account in your name.

Thanks for your understanding and patience, and for choosing Coinbase!

Thanks, 

XXXX
On or about XXXX XXXX, 2015 I made my monthly payment of {$2000.00} to my mortgage servicer Seterus XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Ph. # XXXX. On a separate check for {$11000.00} I attempted to make a principal prepayment, clearly writing PRINCIPAL PAYMENT on the check. On XXXX XXXX, Seterus applied this as XXXX regular payments with only {$6900.00} going to principal. I have called and spoken with Seterus on XXXX, XXXX and XXXX or XXXX other times and received promises to correct this but the situation remains unresolved at XXXX. This is malfeasance and possibly predatory lending practice.
I was surprised when I was reviewing my credit report and found a late payment inXX/XX/2017, I am not sure how this happened. I believe I made my payments to you When I received the statements. My only thought is that my statement didn't get to me.
I have multiple private student loans from Navient, and I am under significant financial duress due to the burden of trying to pay {$550.00} worth of private loans with an additional $ 220 monthly on Federal XXXX loans. As such, I contacted Navient to tell them that I 'm not able to pay both loans simultaneously. After a lot of negotiation ; a manager at Navient agreed to extend the payment duration of my private loans and roughly cut my payment in half. The purpose of this was to help me pay both my private and federal loans simultaneously. Navient agreed with 100 % certainty to give this deal to me, provided I gave them authorization to withdraw payments from my checking account monthly. The only catch was that I had to call back the next month to initiate the deal because the private loan payment was already made for that month. When the next payment came due, I called back to initiate the new payment deal, and I was told that this was " never offered to me '' and that they refused to agree to the pre-agreed deal. As such, I requested the recorded conversations between me and Navient. The staff at Navient refused to provide this information to me, and they told me to call the Consumer Financial Protection Bureau if I took issue with their refusal. I am requesting help with this matter because I have been deceived by Navient and they have given me absolutely no flexibility in paying back my loans, despite the fact that I have absolutely no bankruptcy protections. Please help me!
I have had on several occasions noticed accounts appearing on my credit file over the last 5 years an many times contacted the creditors as well as the Credit reporting Agencies involved in these erroneous posting. I was told that someone with a similar name accounts had merged with my own file and over time this was corrected.Recently, I checked my credit with the credit bureaus as I am about to purchase a home and open escrow in a week, but now I find I can not proceed with this real estate transaction due to accounts which I've never opened has appeared as though they were mines.These fraudulent accounts should never appeared on my file as they are fraudulent and misleading about my credit worthiness.
On or about 2018 I took an installment loan from Tower Loans in XXXX Mo at said time they added on a product " involuntarily unemployment insurance '' as I was a fulltime employee that was unfortunately laid off from my employer I submitted a claim and the insurance company refused to pay out I was told by a corporate entity Regional Director and District Manager I was now a fulltime employee with full benefits vacation etc however when I submitted my involuntary unemployment insurance claim the company refused to payout stating I was seasonal although what my employer filled out clearly said laid off due to " lack of work '' not seasonal as Tower Loans and their insurance provider alleged and this decision has put me and my family in a " economic hardship '' and I am unable to pay said loan I intend to file a counter suit if Tower Loans files suit against me they also have violated the FCDPA by contacting my family otherwise know as a third party and disclosing my loan amount and information about my loan to them causing me irreparable harm they need investigated and action taken against them DO NOT get a loan from Tower Loans they sell frivolous insurance and shame on them! My Counter Suit will cost  Tower Loans tremendously. They need to charge off and leave me alone or face court countersuit
This has been an ongoing situation with Chex-systems. I have been trying to open up an account for an auto loan that was approved but the requirements of the loan is for me to open up membership and There is a Fraudulent Checking account that was established in my name with XXXX in which they are reporting a charge off account. I had a police report filed for some other fraudulent accounts that were established in my name. I sent it in to chex-systems and they said they were not going to use my police report because the XXXX Account was not included in the police report. I have filed a new police report with XXXX XXXX XXXX Sheriff and have specifically included the XXXX account that is fraudulent. I need this account to be blocked and removed immediately from my file. This has already token way to long and I have not been able to obtain my car loan because of Chex-systems lack of trying to help me remove this fraudulent information from my Chex-systems file.
someone has stolen my identity and opened up this fraudulent account with your company and you have still tried to collect on it and report to the credit bureaus ... this account is totally fraudulent and needs to be handled immediately
Related OPEN Cases : CFPB # XXXX TO WHOM IT XXXX CONCERN, I believe these documents should be shared with the companies that are involved in my Identity theft which are XXXX, XXXX XXXX-XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Social Security, Federal Reserve XXXX and XXXX else CFPB Seems appropriate. 

I 've attached a document that will explain my complaint. This is an additional complaint in reference to my 13 years of continual identity theft that CFPB has greatly assisted me with. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ***THE XXXX DOCUMENTS THAT WILL EXPLAIN MY COMPLAINT ARE CFPB LETTER TO XXXX BANK AND LETTER TO XXXX XXXX XXXX XXXX, THE REST ARE SUPPORTING DOCUMENTS. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Note : Please mail all hard copies to my address b/c my online access has NOT been accessible since the first complaint. For some reason i can not get access to it and have gave up on attempting to resolve this issue. 

NOTE : POLICE REPORT IS INACCURATE B/C MY ADDRESS IS NOT XXXX XXXX XXXX XXXX, XXXX, IA XXXX. THAT ADDRESS IS THE SUSPECT ON MY POLICE REPORT, XXXX XXXX. 

THE SUSPECT, XXXX XXXX WAS UNEMPLOYED FROM XXXX. XXXX XXXX DID NOT RETURN TO WORK UNTIL XXXX WHICH MY MOTHER GOT HIM A JOB WITH HER WHICH THEIR TAKE HOME AFTER TAXES IS A LITTLE BIT OVER XXXX, AND HIS DIVORCE WAS NOT FINALIZED WITH HIS EXWIFE ( a victim of abuse by suspect XXXX XXXX ) UNTIL XXXX, WHICH HE HAD XXXX KIDS STILL IN SCHOOL AND HAS BEEN WORKING A REGULAR LABOR JOB AT " BASE PAY, AND THE XXXX, XXXX XXXX IS ALSO XXXX MY MOTHER BOTH PHYSICALLY AND MENTALLY, which was discovered in XXXX, and is when XXXX XXXX from the Attorney General 's Office requested the letter I attached below Thanks Respectfully and Sincerely, XXXX XXXX
Several attempts were made by me to request Validation of debt on account reported on my credit report by Pinnacle Credit Services. After two written requests, the most recent one XXXX/XXXX/2016, they have completely ignored me and not responded at all. There is a required 30 day response time which has not been met.
BACK ON XXXX XXXX 2016 I RECEIVED A CALL FROM A LOCAL LOAN CO. WHICH THEY SAID IF I WOULD COME UP AND PAY THE LOAN OFF IT WOULD BE LESS THAN WHAT IT NORMALLY IS SO I WENET UP AND PAID IT OFF AND XXXX AND EQAFACTS AND PROBALY XXXX STILL HAVE IT ON MY CREDIT REPORT IF THESE COMPANIES DO N'T UPDATE THERE RECORDS WHY ARE THEY STILL IN BUSINESS BECAUSE THEY CAN XXXX ALOT OF PEOPLES LIFES UP THANK YOU.
Mobile banking app does n't update the correct balance. Which has caused multiple over drafts in the lifetime of my account. Some of which have been reversed but some that have not. They are slow to send information to  3rd  part applications such as "  XXXX  ''
I opened XXXX CD with Ally Bank five years ago the maturity was XXXX XXXX, 2016, we closed the CD on XXXX XXXX, 2016 and did not receive interest from XX/XX/XXXX till XX/XX/XXXX. I can not find my disclosure but I thought that they pay interested in the grace period. 
I called and they told me that do not pay interest because I close the account. 
Can you tell me if this is common practice?
I purchased two dresses from Macy 's totaling {$260.00}. Bill was due XX/XX/2017. I returned both dresses on XX/XX/XXXX for full credit which XXXX out the balance - and with enough time to be reflected on my next bill. But, when the next bill came in there was a Late Fee of {$27.00} and a Delinquent account status even though the bill clearly shows full credit of the previous month 's balance. There were NO interest charges -which means their system knows it was paid in full - but still applies a late charge and delinquency. Nothing was owed - the full balance from the previous month was XXXX out. I called and they told me I had to pay even though the full credit covered the balance. I advised the agent that paying would have caused a credit balance of {$260.00} and she said no it would n't??!! Then they told me I had to pay the new charge made on XX/XX/XXXX of {$37.00} to remove the late fee and delinquency even though it is not due until XX/XX/XXXX. I asked for a supervisor who told me the same thing and stuck to the same story??!! Then I tried to use their online system which is so horrible to use - the chat function does not work - the email system provided an auto response with no information on when they would get back to me. They are ruining my perfect credit score and trying to make me pay the {$27.00} late fee. Please help. This is a scam - who pays when there is NO balance? How many others have they charged a late fee to when no balance was due? The fact that no interest charges were applied shows that this system is flawed.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, CA - XXXX Citi Bank, Card Member Services, XXXX, XXXX XXXX, SD XXXX Re : Unauthorized Credit Inquiry SSN # XXXX XX/XX/XXXX and XX/XX/XXXX Dear Citi Bank, I recently received a copy of my XXXX credit report. The credit report showed a XXXX credit inquiry 's by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, and then please send me proof of this. 
Thanking you in advance, ... ... ... ... ... ... ... ... ... ... ... ... ... .. 
XXXX XXXX XXXX XXXX
Our home has been financed by Citi since 2006. We have never missed a payment or even made a late payment. In early XXXX this year I approached Citi about refinancing to gain a lower interest rate. I was quoted a rate about 1 % lower than the rate on our current loan and promptly submitted an application. The appraisal was completed to confirm there is more than ample equity in the home to justify the loan. The unblemished credit reports with XXXX FICO scores were provided and every piece of documentation or information requested has been provided. A clean title search is ready for delivery upon request. More than 3 months later Citi has still not completed processing our application for final approval and today has once again requested I provide nonsensical information that has already been provided despite its irrelevance. I now suspect it has and continues to purposely delay approval of our application in order to continue collecting the higher interest charges that have and continue to accrue. Had I even suspected Citi would handle our application in such bad faith I would have gone elsewhere at the outset and undoubtedly would have already completed the refinancing process well before now.
All the accounts below have been cancelled and I have XXXX as proof. They are attached to this complaint. 


XXXX Dispute this item Account Number : XXXX .... 
Date Opened : XX/XX/2011 Status : Paid, Closed. 

XXXX Dispute this item Account Number : XXXX .... 
Date Opened : XX/XX/2011 Status : Account charged off. 

XXXX Dispute this item Account Number : XXXX .... 
Date Opened : XX/XX/2011 Status : Account charged off. 

XXXX Dispute this item Account Number : XXXX .... 
Date Opened : XX/XX/2011 Status : Paid, Closed. 

XXXX Dispute this item Account Number : XXXX .... 
Date Opened : XX/XX/2011 Status : Paid, Closed.
On XX/XX/2017, I sent Nationwide a copy of my driver 's license, power of attorney ( notarized ), a signed authorization form and the title to the XXXX XXXX motorcycle. Before mailing them to Nationwide, I made XXXX copies of the documents and scanned them to my wife 's email so that we would have documentation of what we forwarded to Nationwide. 

Nationwide insists that they never received the title to the motorcycle. I spoke to them on several occasions letting them know that the required paperwork was sent to them. In addition, Nationwide has raised my interest rate from approximately 7 % ( the reason I chose to refinance with Nationwide from my original lender XXXX XXXX ) to 24. 99 %. My monthly payments have gone from XXXX to XXXX a month. They have done so because Nationwide claims that they never received my title. 

Additionally, I called and asked to cancel my motorcycle insurance ( as I had relocated to Florida and would no longer be required to have insurance ) and yet they failed to update my account in a timely manner. They have sent my account into collections and a collection company is charging me XXXX. I was always on time with my payments and this is an unfair charge.
When filing my XXXX taxes my tax preparer included incorrect information for my refunds to be direct deposited. The information they listed on my taxes was routing number XXXX- assigned to TD Bank in XXXX ME. The account number is XXXX.
The Federal return was rejected by the bank as my information did not match this account however they accepted the State of NC deposit even though the information did not match. The deposit was made on XX/XX/XXXX and the trace number is # XXXX.
I, my tax preparer XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX have all contacted this TD Bank numerous times and they refuse to reverse the deposit and send the monies back to the State of NC so they can issue it correctly to me.
Closing Bank info/relationship : XXXX XXXX  CREDIT CARD openedXX/XX/XXXX limit {$27000.00} BUSINESS INK CARD opened XX/XX/XXXX limit {$15000.00} paid in full and closed it reopened XX/XX/XXXX limit {$20000.00} PERSONAL CHECKING opened XX/XX/XXXX PERSONAL SAVINGS opened XX/XX/XXXX BUSINESS CHECKING opened XX/XX/XXXX BUSINESS SAVINGS openedXX/XX/XXXX All in good standings Shutdown all accounts was told they were terminating relationship and closing all accounts no further explaination available Tried calling customer service and given another number to call. Called that number and was told company policy is no reason needed to be given. Asked if can speak to someone to help and keep accounts opened was told could not. XXXX  SCORE Personal Info : XXXX : 750 # of credit lines opened in last 12 months across all banks / total credit lines : 3 Overall utilization across all credit cards as currently reported to the credit bureau : 10 % Total Percentage of CL to Income at the bank that shut you down : 18 % { Optional } Total debt ( student loans, mortgage, personal loans, etc. ) :11k MS Activity : 0 List all methods of MS used : None List volume of MS in the last 30 / 90 / 180 days : None Do you cycle your credit limits? No Have you deposited money orders into a bank account that you have with the bank who shut you down : No How do you usually pay your credit card bill? Online banking Have you changed the method by which you do so recently? No Ratio or percentage of MS compared to organic : 5 % Spending Behavior / 'Consumer Profile ' : How much organic spend were you putting on cards issued by the bank who shut you down?

I dont even know what that means but I just shop normally and only use my credit cards as needed or big purchases.

Have you ever sold the bank 's points to someone else? No Have you filed multiple chargebacks with the bank in the past 12 months? No Has this bank ever taken adverse action against you before? No Has any other bank? No Have you in recent history significantly increased or decreased either the level of your organic spend or MS ? No Do you have any new derogatory marks on your credit report? No Are you sure? Yes Have you checked since you were shut down? Yes
After I had paid the {$75.00} annual fee for my XXXX visa card ( issued by US Bank ), the benefits of the credit card were changed and severely devalued. XXXX of the key benefits of the card that convinced me to pay the annual fee was the fact that I would get XXXX free night at a XXXX hotel whenever I redeemed points for an award stay. However XXXX/US Bank abruptly ended this benefit and changed the terms of the halfway through my XXXX year of having the card without providing any compensation. If I had known that I would n't be receiving this benefit for the full year, I would not have applied for this card or paid the annual fee. When I contacted US Bank they falsely stated that customers had been informed of this impending change before the annual fee was charged ( we were not - customers were only notified in XXXX, after my annual fee was paid ), and they refused to refund the annual fee or reinstate the benefit. They offered only a very small compensation in the form of points, an offer that did not nearly compensate for the lost value of the benefit or the annual fee.
i have written XXXX on XX/XX/2018 to have them address an issue on my credit report and they fixed the problem on XXXX, but closed my account and wrong open date for Equifax. Please assist me in correcting the issue