WillisBack/dataset-financial-user-claim huggingface dataset:
Last year Bank of America put my information into the Early Warning System due to an honest mistake. My account was closed due to a check that was entered into their system that belong to an older account of mine. I explained to them that I was teaching my grandmother how to use the check feature on the banks mobile app when my phone froze. While I did n't see the mistake until later I tried to make amends only to still be denied. So now every time I have tried to open a new bank account it is shut down. Being a college student hours away from home it is highly inconvenient.
On XX/XX/XXXX I filled an online application with HSBC Bank to open a Advance checking account and was declined with no explanation.The application reference is XXXX.I sent a letter on XX/XX/XXXX requesting the reason for the denial and have not heard from HSBC. 
I believe my application was declined for no valid reason.
I recently became aware that Amerisave Mortgage Corporation participated in some illegal practices that harm customers. I did not know at the time ( until recently ) that I had any legal recourse for an issue I had, and I would like to seek restitution at this time. I applied for a 30 year fixed rate mortgage loan with Amerisave on XXXX/XXXX/06 ( loan application # XXXX ). As part of the process I paid for an appraisal. I also paid for " discount points '' to lower the interest rate on the mortgage. These payments were made through my credit card on XXXX/XXXX/06, and I have those records. Shortly after I cancelled the loan, as the terms had not been satisfactory. It was my understanding that the {$390.00} appraisal fee was non-refundable, but the {$3000.00} that was paid in discount points should have been reimbursed. I inquired many times to Amerisave to get this {$3000.00} reimbursement and they said they could not refund the money. Not only was this bad customer service, but caused customer harm to me in a deceptive and possibly illegal action of not returning the {$3000.00} in funds. Although it has been nearly 10 years, I would like to have this money refunded to me. I did not know at the time that I had any rights to get this money back, and was told to the contrary. Please advise. Thank you.
TransUnion via the website the CFPB directs us requires users to create an account with them to correct inaccurate data- my birthdate is inaccurate by 7 years. Why should I have to create an account w ith a 3rd Party  who reports on my credit without my consent in order to fix their inaccurate information in order to get it fixed.   A secure system through the CFPB should be available to allow simple corrections of this nature to be submitted without creating an account with each of these  XXXX  outfits.
I received a call on XX/XX/2017 from XXXX XXXX County from XXXX stating there was some type of warrant against me and for me to call the number XXXX. I called the number and spoke to XXXX XXXX. She claim she was with the district attorneys and asked if I had received notification or served with some papers, I told her no and then asked what it was in regarding, and she said it was from XXXX XXXX XXXX   and that I owed the amount about {$4000.00} when I only took a loan for {$2500.00}. XXXX XXXX asks why I have not made payment on the loan. I told her the amounts were too much for me to pay. She asked me to pay {$420.00} so, they would not proceed to take action against me, she had all of my information as my address and email address, and she repeated to me to verify including my social security number. I put {$420.00} in my XXXX XXXX Debit card, she was able to take the amount the next day, and then she said the remaining balance for the XX/XX/XXXX is {$3000.00} and some dollars. She then said she was going to send me an email ; XXXX XXXX never did. When I asked her about the receipt, she stated that they do not send out receipts and I can check on my bank electronic payments. I made a payment arrangement so, she can take {$500.00}, and she said she can take {$600.00} and some for the next three months and I hung up with her. This did not seem right. I realize afterwards, ( from the FTC board ), collection agencies are not to threaten consumers with lawsuits or imprisonment. The part that really made me think about what happened, when someone from XXXX XXXX County calling me that I have a warrant. I filed a complaint with XXXX regarding XXXX XXXX XXXX and XXXX denied my claim. I had talked to consumer affairs and told I would have to take them to small claims. I request from XXXX, the denial letter, and it looks, as though a third party Called XXXX XXXX was the one who collected the money from my debit XXXX. They tried to contact me because I refused to put more money on my debit card but manage to take {$370.00} from my debit card. The person who called ( XXXX XXXX or someone ) left a message it seems you are trying to deceive us by not making your payment. Which I am not sure if I had erased the message or what. Collection agencies should not threaten consumers and use County
every time I try to contact Equifax to try and get a free credit report over the last Five years they have refused to give me XXXX as they ask me information that is incorrect and when I try to contact them I go thru their electronic phone tree to talk to someone they hang up. I can never get their report unless I pay for it. I am tired of battling them. Please I just want to see my free credit report so I can get things cleared up and be able to move on with my remaining years. 
You can contact me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Oregon XXXX
We heard a radio ad from a talent ageny in XXXX XXXX that was being hekd called The Event asking to bring your children for an audition. Would your child like to be a XXXX star? They sold us a sales pitch scam for {$4700.00} and are in no way affiliated with XXXX. I later went home and did some research finding out this company is a huge scam. I tried calling the number but it was a XXXX you 've won a {$100.00} XXXX XXXX gift card. I then faxed a certified letter saying I do not want their sevices and I would like a full refund. I received a letter stating they will not refund my money because it was past the XXXX day contract period but I can attend a later event for an extra {$1000.00}! I have written letters to XXXX district attorney offices and filed a complaint. XXXX in XXXX XXXX where this happened and in XXXX where this company 's stated their address was on the flyer we received. Neither received a response and the address is not valid. I also went to a small claims court free class and they suggested I sue my credit card company because it would be hard to find this company since it was all a scam. I contacted my credit card company and they have refused to help! They said you signed the contract but I tried to explaining it was all a scam and that I never received any services from this company at all and it 's fraud! They still refused to help. It is now a charge off on my credit. I also had the XXXX office write up a letter stating that I would be taking them to small claims court if they do not refund my money. I never received a response just like both attorney general offices who have tried to contact The Event. I have attempted to try to get this fixed for the past couple years but havent been able to contact this company at all. I would like to make a report against The Event and also Discover credit card company for not helping me when there is a reason they have the fair credit card act. I would like to find out if there is anything I can do to get this off my credit. I would others to be aware of this scam company!
I finally paid off my perkins loan through ACS in 2017. ACS sent me an email that my tax form is available online only. I go to sign in to retrieve the form and I learn that ACS is now managed by Conduent. 

Every time I try to sign in it says the site is currently unavailable for the past month. So I try to reset password and it says I do not have an account there. Then I try to register and it says I have an account already. 

I try to call their customer care center and it is just an automated service with only ONE option - to hear your account summary. But they can not find the account. 

I try to email them, but it just says " Thank you for your feedback '' and no response for weeks. 

I want my tax form for this loan I finally paid off! Please help.
I had the mortgage set up for auto debit. In the beginning of XX/XX/2018, the mortgage company took two payments out of my account. I called them and brought this to their attention. On XX/XX/2018 the mortgage company sent me a statement indicating that my next payment was not due until XX/XX/2018. Despite this, at the beginning of XX/XX/2018, the company attempted to take out another payment from my account. I immediately called them to protest the payment. The company indicated that it would not reverse the XXXX payment ( per XXXX ). In discussing the issue with them, the company claimed that I initiated the payments which was untrue. 

In order to avoid yet another payment being withdrawn from my account, I put a stop pay on the account and stopped the auto debit. The stop pay cost me {$35.00} to defend my account from a debit which should not have taken place. On XX/XX/2018 the company sent me a letter asking me to replace the stopped payment in certified funds. It also threatened to report the stopped payment to the credit reporting agencies.
Discover Bank withdrew funds for an XXXX XXXX to another one of my bank accounts on XXXX/XXXX/XXXX. They have repeatedly claimed that they issued an XXXX XXXX instruction on XXXX/XXXX/XXXX as part of that XXXX/XXXX/XXXX Tuesday evening 's business to credit my account at the XXXX. However, those funds did not arrive at the XXXX until today XXXX/XXXX/XXXX, two days after they should have arrived for an XXXX XXXX transaction submitted with Tuesday evening 's business. 

Discover Bank refuses to account for who had my funds on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX or to explain why my funds were missing for two days. Instead, they think that I am some XXXX XXXX who does not understand how the Federal Reserve Automated Clearing House system and its transactions work. 

Furthermore, Discover Bank blames my XXXX for not properly crediting the funds to my account in a timely fashion, something that I believe that is defamatory to my XXXX and that I believe that can prove is not the case, basically, because my XXXX is not a XXXX bank that plays games with other people 's money. I have spoken with the XXXX, and they have said that no aspect of the XXXX XXXX was delayed on the XXXX 's end because of any exception handling or any other problem : this delay resides squarely with the XXXX.
XXXX   XXXX ,  XXXX  CFPB : JPMChase denies me credit as retaliation for complaints that I have filed against JPMChase, and disparages me to other financial institutions, causing them to also deny me credit. Because of that, I have been homeless and automobileless for the pa st five ( 5 ) years . JPMChase claims that I owe it over {$140.00} on my JPMCha se Visa Platinum Credit Card, in information that it has supplied to Credit Bureaus. In its Affidavit of Mortgagee  on ARM Loan  XXXX ,  XXXX   XXXX ,  XXXX , JPMChase alleges that it performed more than {$140.00} of Maintenance on my Family Homestead,  XXXX   XXXX   XXXX ,  XXXX , IL  XXXX , built by my parents,  XXXX  and  XXXX , in  XXXX . In fact, NO Maintenance had been performed. I perform my own Maintenance. JPMChase threatened to take away m y Family Homestead and  the personal property  of five ( 5 )  generations of my family, if I did not pay the Undeserved Maintenance Fee. JPMChase intimidated me into paying the Undeserved Maintenance Fee.   I demand that JPMChase remove ALL negative information that it has supplied on me to Credit Bureaus, as the Undeserved Maintenance Fee, that I paid, more than covers the alleged Outstanding Balance on my JPMChase  Visa Platinum Cre dit Card.   If CFPB can not get JPMChase to agree to this, then I request CFPB to get JPMChase to accept payment from my JPMChase Checking Account to Completely Pay Off the alleged Outstanding Balance on my JPMChase  XXXX   XXXX  Credit Card. And remove the negative information.     Sincerely,  XXXX   XXXX   XXXX ,  XXXX  XXXX  XXXX
In XXXX when I realize I was in trouble I reached out chase filled out loan modification paper cause they said could help me just be told in XXXX that lost all my papers I would have refile them so I did ... .so time went by they kept telling me they need more documents I sent numerous papers all ways get told was n't good enough so behind my back without warning they filed Forclosure on me I found this out when cops served me..so I called them to ask they tell me well all my paper work expired wanted it reviled for 3rd time to be told month later nothing they could do.plus since XXXX I had tried make payments they would n't work with me at all was very upsetting way all of it was handled.come find out chase makes money off ever time they have me file..
On or about XX/XX/2018, I, XXXX XXXX, went to a club in XXXX. When I tried to pay, my wife was notified by the Citi Bank credit card company.  My wife, XXXX XXXX, did not know I was there thus put an immediate freeze on the credit card. 
Due to that freeze on the Citi card, and once I made my wife aware it was me making the charge, we were unable to immediately release the freeze on the Citi card to pay my tab, so we used XXXX XXXX, a friend 's, credit card to pay the FULL tab. 
( Of which I have an email confirming the payment and communication with the bar manager, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas ). 

XXXX and I noticed a couple days later that our Citi credit card still showed the transaction as " pending ''. So we both called Citi Bank and discussed with them that the charge for the Club should not go through because 1 ) Our Citi card was frozen, and 2 ) we had proof ( in an email and with receipt ) that the payment was, in fact, made with another credit card ( XXXX XXXX ). So we submitted a formal dispute with Citi.

Citi recently emailed XXXX to say that they would not stop the payment to the Club. 
That is exactly why we are filing this claim. Our card was frozen and the payment was already made with another credit card, thus Citi should NOT charge us. 
We feel that Citi is taking egregious advantage of us.
I understand that a large breach of personal information from XXXX recently occurred. I 'm filing this complaint because I feel that as a business that profits on credit reporting and tracks/stores large amounts of personal and sensitive financial and other information about me, my family, and my loved ones should, if not by law then at minimum as a best business practice, be required to control this data securely. I have been exposed to fraud due to poor practices at XXXX ; i 'm taking steps ( i.e. 90 day fraud alert ) for myself ; however, several people that I care about are not equipped to submit online forms and paperwork and research solutions as I have done. 

I would request the following from XXXX ( and other credit monitoring companies ) : 1. provide professional counseling service from a qualified individual to guide those affected/potentially affected by the breach so they can minimize risk. 
2. provide indefinite fraud alerts for all individuals whose data is gathered/held ( not just the free 90 day fraud alert available currently ) 3. Provide insurance or an escrow fund for legal fees and reimbursement for people who suffer identity theft in connection with XXXX ' handling/mishandling of data 4. Institute a more secure way to access my credit-i.e. a form of 2 factor identification that makes it harder for other individuals to use my information. 
5. Ensure that the above options can be easily requested and accessed by the layperson and people who do not regularly use the internet. 

I would be in favor of broad overhaul of credit monitoring and tracking practices on a national/global scale.
XXXX we submitted the complete short sale package to US Bank for review. Sellers sellers had relocation benefit that would go to the deficiency to US Bank totaling XXXX the benefit expires XX/XX/XXXX so we asked for an expedited review and were denied. After several calls US Bank manager said she would request the file be expedited. When I called today I was told it was still with the processor and they were awaiting assignment to a negotiator. Please see the attached letter I have provided describing the entire episode.
I have been sending correspondence to XXXX  since XX/XX/2017 to have them validate and verify some of the accounts on my credit report. I sent them 3 different letters, each one month apart giving them the chance to resolve the issues. It is my understanding that in order for them to report accounts on my credit reports, they must be able to verify and validate those accounts. They never sent me anything on how the account was validated or verified even after I asked them on several occasions to do so. It has been over four months and there are items that are still on my credit report that I asked for verification on my first letter on XX/XX/2017. I would like all of those items off of my credit report since they have been unable to verify that those accounts actually belong to me. I am aware that they have 30 days, plus an additional 15 days to do so and they have failed that time frame. The accounts are on the letters I will attach. They sent me reports over and over saying the accounts were verified and remain on my account but never gave me proof of verification, like I requested.
I complained to you in XXXX and was given case no. XXXX. I had a problem with Wells Fargo putting a hard hold on my deceased brother 's CD # XXXX in the amount of {$3000.00}. A Texas judge had signed a Small Estate Affidavit, leaving this money to XXXX XXXX ' XXXX siblings. The CD contained XXXX payments made to him XXXX. Wells Fargo sent me a letter after you contacted them telling me to ask XXXX to send Wells Fargo legal dept. a letter releasing the hold on the CD. I called XXXX and they said they can not do that since when the veteran died they had nothing further to do with the matter. The XXXX contact told me that only Wells Fargo could release the CD. However, Wells Fargo is refusing to honor the court order to release the money to XXXX heirs. Can you help? We are at a stalemate. Thank you, XXXX XXXX XXXX
I have a big problem with the holder of my mortgage lo an Nationstar.  I had been approved for a loan modification while my loan was with  XXXX   XXXX   XXXX  and had already begun making payments when the loan was sold  to Nationstar. I spoke with Nationstar and they told me they would honor the approved modification. After making a few payments to Nationstar, they told me they were not going to honor the modification and that I had to start over and go through Nationstar to get approved. They sent my payments back to me. Now I have spent over two years trying to get this straightened out with Nationstar. They are completely unorganized and their customer service is terrible. They never should have gone back on their word and refused to honor the modification. It was already signed and completed, I think their ac tions are illegal.  <P/> I bought my home in  XXXX  and refinanced into a predatory adjustable rate mortgage in  XXXX . The interest rate could go as high as 11.87 % and there was a two-year prepayment penalty on this loan. I have had steady employment working as a  XXXX  for over 30 years so even with the bad loan I was able to make the payments as agreed. In  XXXX  I discovered that my  wife (  now ex-wife ) had been stealing money from me and was not sending in the mortgage payment each month. This created a major problem and led to divorce. At that time I reached out to  XXXX   XXXX   XXXX  to resolve this issue and went through the process and was approved for a modification. I completed the paperwork and began making the paym ents. Shortly after receiving the modification the loan was transferred to Nationstar. Their agents told me that Nationstar would honor the approval ( I BELIEVE THEY ARE REQUIRED TO HONOR THE APPROVAL ) and I thought I was all set. A few months later Nationstar told me that they would NOT honor the approval and told me that I would have to go through the process AGAIN with Nationstar. Then they sent my payments back to me. I have literally spent the last two years trying to get this straightened out, and I went from an approved modification to a sale date in a few months. This is wrong. I want to file a formal complaint against Nationstar.
XX/XX/2018 - sent letter to car dealer and loan provider asking them to verify i accurate reporting on my credit file. 

XX/XX/XXXX- sent letters to XXXX , XXXX , and XXXX asking them to remove this from my credit file since i have recieved no reponse. 
after no reponse from loan holder i sent second letter demanding loan holder to provide me with valid documemtaion that they are reporting accurate information on my credit report. 

XXXX XXXX- lender sent me copy of original sales contract and title registeration, but didnt supply me with proof they followed law after repossession is what i requested of them! 


A lender must follow these rules after a vehicle repossession. 
1. A written notice of Sale within 10 days before propossed sale of car.

2. After a car is sold a lender is then required to send a second notice stating the amount that lender credited you from resale as well as a cancellation notice of the original sales contract.

I demanded proof that the repossession was legal in accordance with the UCC : 9-506 Effect of Errors or Omissions 9-611.Notification Before Disposition of Collateral 9-612 Timeliness of Notification Before Dispostion of Collateral 9-613 Contents and Form Of Notification Before Disposition of Collateral
I completed grad school in XX/XX/XXXX. A previous student loan was in deferrment while I was in school and I requested the deferrment continue for the first six months after school. I recently started getting collection calls from Navient for my approximately {$10000.00} loan. They say I was supposed to start paying back the loan in XXXX when I finished school. They informed me that the loan was due immediately because I had dropped out of school. This is not true, I graduated from school. 

In the fall of XX/XX/XXXX, I consolidated all of my Federal student loans and lowered the interest rate to 3.25 %. My student loan through Navient is 6.25 % interest with a variable rate and the payments are very high for such a small loan. I requested the opportunity refinance at a lower fixed rate and they have told me that they do not refinance and I am stuck with the loan as-is. I need help lowering my interest rate and getting it fixed.
XXXX, XXXX and Experian are showing inaccurate information on my credit file a XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX all these account have been charged off/ wriiten off or sold to another collection company which under the fair credit act the companies charged it off on their taxes, which technically means that they can not come after me and should be deleted off my report and XXXX is reporting late payments if I 'm technically making payments so it also has to be removed. this is impacting my credit tremendously please take action