WillisBack/dataset-financial-user-claim huggingface dataset:
I am trying to close my Webster bank account. It had {$10000.00} in it. I transferred the {$10000.00} out and the transfer finalized on XX/XX/XXXX. There was {$0.00} left in the account. Once I confirmed the transfer went through on XX/XX/XXXX I requested the account to be closed. However, on XX/XX/XXXX they charged me with a {$21.00} monthly maintenance fee because I had less than {$10000.00} average daily balance for my statement closing on XX/XX/XXXX. Now Webster is telling me they ca n't close the account cause there is a negative balance. I simply transferred the money out of the account with the intention of closing the account once the transfer was finalized. Tried calling up two times and they refuse to waive the fee or  close the account since it 's negative. <P/>This is a round about way of charging me a fee to close my account. Very wrong. Asked to speak to a supervisor, said there are none available. <P/>Please help!
There are XXXX inquires onmy credit report and I didnt authorize some of them, try to get it remove from Transunion credit report but they give me a very hard time, I been trying to get this issue resolved for almost 6 months
I was told be Equifax, using their online tool, that my information may have been implicated in their recent security breach or hack.
Equif
ax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency ... Some XXXX. and XXXX residents were also affected. Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from mid-XX/XX/XXXX through XX/XX/XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers.
I called Bank of America on XX/XX/XXXX to ask them if I can deposit a third party check into my checking account, they asked the amount {$2000.00} and if I had ever had a check deposit return and I said no and I was told that I could deposit the check as long as it was endorsed by the third party. I deposited the {$2000.00} dollar check into my account on XX/XX/XXXX as instructed, the check was made out to my neighbor and he endorsed it and wrote deposit to # my account number. On XX/XX/XXXX I wake up to find out the check deposit was returned and now I am being charged a bunch of fees 4 {$35.00} overdraft fees. This is a deceptive practice becase I was given incorrect misleading information. I am also a military veteran and single father of XXXX kids, I called Bank of America and they offered no help, they expect me to be overdrawn without gas money or food for 10 days while I wait for snail mail to send me a legal copy of the check. Bank of America offered me zero help, and only offered me an empty apology. They are not willing to waive fees even though they advised me their own employee gave me incorrect information.
Hi, i have been making several attempts with Transunion and their reps to remove several negative inquiries on my report, Transunion customer service has refused to help in the removal of these negative fraudulent inquiries. 
I have listed the inquiries that i have been trying to get removed 1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX/XXXX 4. XXXX XXXX 5.XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX I have made several attempts with Transunion and the creditors to get these fraudulent inquiries removed please help
Sent a letter to XXXX XXXX XXXX by email and BBB regarding a medical debt that is showing on my credit report. I requested that the company validate the debt ; instead, they sent me documents request that I provide them with information to request documentation for a medical debt they are trying to collect on me. I notified XXXX the rep that the debt did not belong to me and I requested that she provide me with information to validate this debt. No information has been provided. The medical debt needs to be removed from my credit report by the collection company mentioned and stop all collection attempts. I have uploaded the email that was sent to the manager at the collection company XXXX.
I have numerous errors showing on my credit report. After reviewing it I sent Equifax a letter asking them to investigate these glaring errors on XXXX/XXXX/15. I yet to receive anything from them. Also I read that equifax has been sued recently for the same issue. I plan on doing the same very soon if they do not fix their errors.
XXXX 2009. I have asked them to remove it since it has been 7 years and the credit bureaus refuse to remove it. They 're saying it will stay on my credit report for 10 years
I looked on my credit report and seen a credit inquiry on  XXXX   XXXX   2016  from  XXXX  that I did n't authorize
I have an existing loan with Mr. Cooper. Approximately 4-6 weeks ago I contacted the company asking for instructions about how to remove the PMI from my monthly payments believing the property equity now qualified to allow that to happen. 
They gave me the instructions on what I needed and where to fax the information they needed. I did that about a month ago. 
The information I submitted ( formal BPO ) clearly demonstrated that the property met the minimum equity ratio necessary to ensure the PMI could be removed. 
I have documentation that the information faxed was received. 
I have since followed up twice with Mr. Cooper. Each time no one can tell me where the request is in process and why I have not had any response from the company. 
I believe Mr. Cooper is merely dragging their feet to avoid removing the fee from my mortgage payment as they are required to do by law.
Credit hurt by multiple credit inquires within two months. Only one authorized but XXXX XXXX via XXXX XXXX has 2 inquires weighing on my credit. I only authorized one. Banks are also forcing me to pay back money sooner by tarnishing credit with unauthorized hard inquires and other devious practices. XXXX XXXX and XXXX XXXX will loss my business because of this over-time. XXXX will not allow me to dispute my hard-inquires??? I have not requested any new credit and hard inquires are showing up. Not fair to consumers. Please tell me they are not going to let big business and Banks walk all over American People?
they 've been calling me for four mounths. I tried to cooperate and pay with them as long as they are legitimate company, First 2months i had no idea, so i asked them to wait me to figure it out from originally generated debt company. they didn ; t let me and pushed me to pay over the phone right away, also i asked them to talk in paper as well but i havent got any paper so far. 
AND i found CFPB to get some information to take care of it today the guy named XXXX XXXX call me and i asked company info, address, and lisence number. 
He REFUSED it BUT he has my information ( dob.address.and so on ) I don ; t want them to call me and get rid of my info thank
I am a victim of identity theft and have been a victim of identity theft for well over 11 years. I have a unauthorized and fraudulent XXXX credit account listed on my Trans Union, XXXX and XXXX credit report that do n't belong to me. The following credit card account is fraudulent : XXXX : XXXX
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Midland Funding Llc XXXX are reporting different amounts for the same creditors they keep increasing the past due amount and these accounts were all closed back in XXXX to XXXX now Midland has put an additional XXXX XXXX XXXX XXXX with an amount of {$1600.00} plus the orginal collection of {$410.00} which I have disputed these accounts and requested documentation showing that I opened these accounts which I did n't they have yet to furnish the requested documentation and I get the run around when I try and contact them. They are reporting differently between XXXX and XXXX when I question them about this they said they will send a letter which I have never gotten.There are several agencys reporting on my credit report they are listed below. 1. XXXX XXXX XXXX {$2700.00} for XXXX XXXX opened on XX/XX/XXXX 2. XXXX XXXX XXXX  {$480.00} for XXXX opened XX/XX/XXXX 3. XXXX XXXX c/o XXXX {$1000.00} for XXXX opened XXXX/XXXX/XXXX XXXX. Midland Funding LLC {$410.00} for XXXX XXXX XXXX XXXX opened XX/XX/XXXX5. Midland Funding LLC {$1600.00} for XXXX XXXX XXXX XXXX These were all disputed removed and are now being put back on with different amounts and I still havent recieved any proof that I opened these accounts. When I call the original company the company has no record of me in their system.
XXXX and experian show my score over XXXX points below XXXX. Every time I try to dispute items that are severely inaccurate, first they say yes we found your file how can we help you? Then they ask for further verification by asking me to choose one of five options that identify me, but every one thru propose is inaccurate so then they shut down any conversation or correspondence with me. They show me as having retail charge cards, I have none. They show me having lived in XXXX Georgia NEVER! they show my spouse as my deceased father! They show me having an auto loan with a lender that I do n't have an auto loan with. They show me as having tax liens, medical bills that are n't mine and public records that I am unaware of. I have 100 percent perfect payment history. My c card utilization is at 19 percent. I have never been late I have never had a bankruptcy they show XXXX hard inquiries that are not mine!! I make XXXX a mo as a XXXX XXXX specialized and certified in XXXX, same job for almost 3 yeRs. Same residence 3 years and 7 years prior state. No criminal record and yet I 'm being denied an auto refinance every month because of their derogatory credit ratings of me. I 'm begging you please help me get them to correct my file and delete the things that are incorrect.
I XXXX XXXX IS VERY, VERY DISPLEASE WITH BANK OF AMERICA WHO IS ILLEGALLY WITHHOLDING UP MY ACCOUNT AT XXXX ENDING # XXXX DUE TO THE FACT XXXX XXXX STATED THAT HIS MONEY I TOOK BUT IS DUE TO MY SELF WHICH HE MADE FRAUDLENT TRANSACTION FROM MY ACCOUNT TO HIS ACCOUNT, I WANT THIS BANK TO RELEASED MY {$400.00} RELEASED BACK TO MY ACCOUNT, BANK OF AMERICA WENT INTO MY ACCOUINT FRAUDLENT AND IS WITHHOLDING, HOLDING UP MY ACCOUNT, BANK OF AMERICA XXXX XXXX XXXX, NJ XXXX XXXX.
I bought a house with the lender Security National Mortgage in XXXX. Less than a month later, the loan was sold to XXXX XXXX. Since XXXX XXXX, I 've made my payments on time with XXXX XXXX but Security National Mortgage is reporting me past due for the past 6 years. 

I remember receiving a call from Security National Mortgage late XXXX and i agreed to send them a check for the payment amount. I sent the payment and never heard back. I did n't get any letters or any phone calls from them after, that made me believe that everything had been taken care of. 

Earlier this year, I checked my credit and found they were still reporting my account as past due. I sent a check late XXXX XXXX XXXX XXXX, mistakenly for {$700.00} instead of {$720.00}. But Security National Mortgage continues to report as past due and continues to report the balance as {$720.00}. 

I am more than happy to pay the {$21.00} that are left, but not before they remove all derogatory information from my credit report. They did not make me aware that the payment had not been received and they continue to report inaccurate information to the credit bureaus.
Compass Bank had the XXXX lien on my property located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. The property went to foreclosure in XX/XX/XXXX. XX/XX/XXXX XXXX, XX/XX/XXXX was the last reported date on my credit report revealing I was XXXX days past due. However, it was reporting that I had a monhtly obligation of {$23000.00}. This was reflecting in my monthly DTI at the present time. I disputed this information through Experian in late XX/XX/XXXX XX/XX/XXXX when my Credit Score was XXXX. I have been rebuilding my credit since the foreclosure and imagined that this erroneously large monthly obligation 's removal would only help me. Instead, Compass Bank eliminated the monthly obligation and updated the status to a charge off as of XX/XX/XXXX XX/XX/XXXX. I believe that Compass Bank exercised neglience in FAIR reporting in XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX and now I 'm being penalized again, for an event that I was already penalized for. This is duplicative penalization and all my rebuilding appears to be futile as my credit score in one month has dropped significantly, down to a XXXX. This is worse than it ever was during foreclosure proceedings and post-foreclosure reporting. Please help. This is negligence on Compass Bank 's end and I should not have to be burdened again.
I recently filed for a loan with my bank I received a denial letter. Stating I had account in collect or delinquency. I have no accounts in collection or delinquent Lack of revolving account information. I have multiple loans. In my name reporting to all reporting agencies Lack of bank/national revolving informal. I've been with the same bank for 25 years. 

Length of time accounts. I have multiple loans/accounts that have been open for years. 

The report was from Experian
I tried to add my children as an authorized user with their DOB, SSN address and phone number and set the card spending limits. The cards are sent via overnight mail. The next day I receive a call from Capital one fraud department stating they need the kids 's drivers license and a copy of their social security card. I called Capital one back stating I am not sending in the information and to cancel the request of adding them as an authorized user. The rep says they can not cancel that request until the documents are sent in. I told them the kids do n't have drivers licenses and that I am not sending in their social security cards. I told the rep to cancel the card.The rep states that she can not submit a request to cancel the card due to the " fraud restriction '' and that I would have to send the ssn card and drivers license. Her name is XXXX # XXXX. I asked if he had any other options and asked again to have the card cancelled. She stated they would not be able to cancel the card. I paid the balance in full so it 'll be zero but they wo n't cancel my credit card.
In XX/XX/XXXX I filed for chapter XXXX bankruptcy and I continued to pay for the mortgage after the debts were dismissed. I never reaffirmed the debts. I stayed in this home till XX/XX/XXXX and lost my job so I could not afford my home. The home was worth less than I owed so a short sale was done. 
Currently I am trying to get a new loan in order to purchase a new home. The under writers are telling me that this short sale is showing up in the fha underwriting system even though it was covered under my chapter XXXX bankruptcy. 
I can not be approved for a loan because this is showing up as a short sale of less than 3 years
I closed out a lease with Chrysler capital in XX/XX/2016. On XX/XX/2016, they took an extra monthly payment even though I no longer had the vehicle. I have contacted them multiple times now and get a difference answer every time I call in regards to my refund. I contacted them today and was today my account was " pending closed '' and my refund would n't be processed until the account was " officially closed ''. When I asked how to officially close it, I could n't get an answer from them. They refused to transfer my call and said someone from a different group would call me back in 5 to 7 business days.
Navient has not allowed me to access my online account for over a year. I need this access in order to make payments and check documents. As of right now the only way I can make payments is through the phone. Navient charges a fee to make a payment through the phone. It is posssible that Navient purposely restricts access to online accounts in order to make extra money through fees.
I have XXXX collections on my credit report that are listed as being closed accounts. However, these accounts continue to update monthly, suppressing my score. Further confusing me, the same credit report shows I have no collections on file. They are also listed as factoring company accounts with high credit limits and past due dates, appearing as though I am past due but there is no original creditor listed. I 've attached screenshots evidencing my position.
As of XXXX XXXX I had repaid my debt with an excessive amount. On that day, according to my account NBP sent a reimbursement check to me. I have not received it. When I contacted by email I was told to contact XXXX, to whom my last payment was made. When I contacted by phone two weeks ago I was told the holiday weekend may have slowed the check in the mail. I was told to call back at the end of the week if I had not received a check. This week I contacted XXXX, which actually showed that I had a XXXX cent credit which they promised to send to me. I called NBP immediately after and was told that XXXX owed me. I explained that, no, according to both statement and conversation with XXXX, they do not owe me more than XXXX cents. After being placed on hold I was told that I could call back after the XXXX of XXXX because only then would they be able to void the check and send me payment. I might also add that every month I received an email threat that they would take my monthly payment from my account and if there were insufficient funds I would lose even more money. They, apparently, do not hold themselves to the same standards.
This is compliant is about about the unscrupulous business practices of XXXX XXXX / XXXX XXXX who contracted a collection agency to collect a debt that I repeatedly contended was not opened by me. The collection agency finally acknowledged that they were unable to validate this alleged debt and therefore removed the entries from my credit report ; however XXXX XXXX XXXX XXXX XXXX continues to report this on my credit report. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX XXXX / XXXX XXXX is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. I have demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) for all collection accounts on file both via phone and via my previous compliant to the collection agency but still have yet to receive this information. XXXX XXXX / XXXX XXXX failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and clearly they are unable to provide me or the collection agency a copy of verifiable proof. It has been longer than 30 days since my original request and therefore I demand that all collection attempts cease and I demand that all negative entries be REMOVED. My next course of action will be litigation if I am contacted about this again outside of being informed that all negative credit entries to XXXX, XXXX, and XXXX have been deleted.
My business closed on XX/XX/XXXX. I contacted XXXX XXXX to cancel me account. They cancelled the account with a written notice from me.. I contacted them 1 month later to inquire about my refund of bill paid. They stated that I needed to return their equipment. I informed them that the equipment was there when I leased the space, and I no longer occupied the space and they would have to contact the landlord. 
I gave them his information. I called the following month again inquiring about my refund. They states that they did not get the equipment and will not issue a refund with out the equipment. 
The following month I received a email from a Focus Receivables Management ( Debt Collector ) demanding I paid {$70.00} for XXXX XXXX. 
I again contacted XXXX XXXX on XX/XX/XXXX to find out why I was sent to collection for a debt I did not owe. 
Also, they failed to notify me of any debt I owe to them. 
The fact is that they owe me my refund of fees paid. 

I then made arrangements with the landlord to give access to XXXX XXXX to access the space and retrieve their equipment. I schedule a time with them on XX/XX/XXXX between XXXX and XXXX I sat in the parking lot from XXXX to XXXX and no one from XXXX XXXX arrived to retrieve their equipment. 
I have tried numerous time to resolve this issue to no avail. 
Any help you can provide is greatly appreciated.
A financial institution which requires military affiliation to join was notified of fraudulent misrepresentation regarding a member who has never had a military affiliation and became a member by opening an account while living in another state due to the state presently living in affords no opportunity for the person to obtain any type of checking account. It is apparent that this financial institution does not properly conduct its due diligence for verification purposes to allow a person who has already been convicted of illegal account activity by kiting over several years time. 
The securities department was contacted after numerous discussions with law enforcement, district attorneys and investigators and following their advice contacted victims of fraud which include this financial institution. Realizing this is the internet era where much is done online absent walking into a financial institution and giving the drivers license to a banker to open an account only to find out dozens of banks had reported NSF, Kiting, overdrafts, etc. Treated badly by a securities young lady at this financial institution who had no care whatsover that fraud exists. 
As a military dependent most of my early years and later on as a military dependent of a spouse, I find the conduct by this institution 's security/fraud division so egregious that it shocks the conscience.
Starting XXXX XXXX, XXXX, the three major credit reporting companies - XXXX, Experian and XXXX - were to enforce stricter rules on the public records they collect, requiring each citation to include the subject 's name, address and either their Social Security number or date of birth. As of XXXX/XXXX/XXXX, the inaccurate inaccurate information is still reporting on my Experian credit report.
Subject : XXXX and XXXX XXXX 's Account Number XXXX This letter is to dispute the correspondence dated XXXX XXXX, 2016, where XXXX XXXX with Wells Fargo Recovery Group determined our account was handled appropriately and he found no errors in servicing our account. 
I respectfully, XXXX XXXX can in fact prove without a reasonable of a doubt that Wells Fargo Loan Mitigation department and the assigned loan modification rep, XXXX XXXX, misplaced legal documents needed on our account and ignored numerous incoming phone calls / voice messages requesting confirmation on the requested documents needed to proceed with my loan modification request. 
I am asking this denial be over turned and reopened as well as all phone logs/records to show I did in fact call multiple times and left multiple messages on XXXX XXXX voicemail of which all were ignored. To refuse to reopen this matter is wrong and would amount to predatory lending practices and a violation of the lending laws. 
Please advise as soon as possible if you are agreeable to rethink your denial letter in getting back our home and to avoid further legal action here on our part. We have done everything asked of us and in a timely manner. This was my second time to request a loan modification with the first time being fully completed with no issues or missing documents. In addition, I have all backup paperwork sent in to Wells Fargo and phone logs recorded on all conversations that were answered and not answered by XXXX XXXX. I look for your response soon and If you need anything further, please contact me at XXXX or email me at XXXXXXXXXXXX
This issue is with XXXX XXXX. They have failed to report our information correctly. We never included our mortgage in the Chapter XXXX bankruptcy filing. We paid the loan off based on the short sale agreement established with this mortgage company. The date of the bankruptcy was XX/XX/XXXX and the house sale date was XX/XX/XXXX.