WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX, my XXXX years old son was injured. Settlement was reached with insurance company, and I was assigned a manager of my son 's estate until his emancipation in XX/XX/XXXX. I have chosen to open a Call CD ( joint, under both my son 's and my name ) with then Charter One Bank in IL. It was a 60-month Call CD. It matured twice, in XX/XX/XXXX, and XX/XX/XXXX. In XX/XX/XXXX I changed the length to 20 month, to gain better return. This CD would mature a few times, with closest to my son 's emancipation on XX/XX/XXXX. Initial CD agreement required me to have a clause stating that the funds would not be available for withdrawal unless a court order allowed, OR NO FURTHER COURT ORDER WOULD BE NEEDED once my son would emancipate ( in XX/XX/XXXX ). In XX/XX/XXXX, Charter One Bank completely moved out of IL, and this CD. Closest branch would be in XXXX, OH. In XX/XX/XXXX Charter One Bank became Citizens Bank. In XX/XX/XXXX, I have received a typical notification that the CD would mature on XX/XX/XXXX. I called the bank 's toll-free number in attempt to close the CD and move the funds into a checking account. This way, my son would have a nice present at his disposal for his XXXX Birthday. What I learned during the call was that the CD was " frozen '', and required a court order to unfreeze the funds. I knew this was not the case, and asked to find out why and when the change happened. In the meantime, the CD rolled to another term, with only 0.03 % APY ( due to us being out-of-area ). What I was told later, the type of CD with Citizens Bank was " Guardian '' and did require a court order to release the money. I know this was not supposed to happen since I was the one opening the initial Call CD with Charter One, and it was not a " Guardian '' account. Citizens Bank over the phone advised me to visit a branch, explain the situation, and a branch manager would be able to override the freeze. I did visit a branch ( made a detour while on a road trip ), but was told " the account is frozen, and a court order was needed ). I am upset that the whatever change happened to the account prevented me surprising my son with some money on his XXXX birthday. I am upset having spent at least two work weeks time trying to resolve the issue. I am upset the money was taken out of state, thus making it difficult resolving issues remotely ( again, closest branch is XXXX-XXXX miles away ). I am upset the money is held with almost no return, and with no reason at all, without even letting me to reinvest with them on better terms. I am upset the Bank have not held to the terms of original contract we both signed at the time of initial account opening in XX/XX/XXXX. I am upset for my now adult son for not being able to use his money for his needs.
Debt was initially legitimate. Debt was paid in XX/XX/2014 to law firm collecting on behalf of debtor, XXXX XXXX XXXX. I don't know what XXXX XXXX XXXX did with the money, or was it misapplied, but now 4 years later I am being repeatedly contacted by XXXX XXXX  XXXX, law firm, for same debt. I have disputed, and Capital One simply sends me evidence of original debt. I had 2 judgments, both were paid in one lump sum to XXXX XXXX XXXX for the benefit of 2 Capital One accounts. My money was processed by conversation with XXXX XXXX of XXXX XXXX XXXX in XX/XX/2014, at XXXX, to cover both accounts in full. I appreciate your assistance in getting to the bottom of this.
The company is trident and they are trying to collect a debt that does not belong to me. It's in the amount of {$69.00} and I want it off my credit report. I've disputed this item many times to no avail.
I put an application in to Infiniti of XXXX just to be able to put a deposit onto a car before running the credit. I was guaranteed I would n't have my credit run until I approved on my trade in amount. I never finalized my trade in amount because when I went to put a {$1000.00} dollar deposit onto the car, it had been sold prior. This happened on XX/XX/XXXX with 4 different locations. My credit should NOT have been run until I agreed upon my trade in value and price of the car, which also was not finalized or discussed.
OCWEN repeatedly failed to apply my mortgage payments that were sent directly from my bank and those that I sent through the OCWEN website using their payment service. I kept sending my payments, even as OCWEN failed to apply them. I would send in the exact amount specified on the website and on their phone line. I paid for my homeowners insurance in full, out of pocket, then OCWEN claimed I didn't have insurance and adjusted my escrow. Finally, after I kept calling to report that they were not applying my payments, OCWEN started sending my payments back, putting my mortgage behind. This is the second time that OCWEN intentionally and fraudulently failed to apply my mortgage payments to drive my home into foreclosure, despite my paying the exact mortgage amounts specified on my bill. I believe that OCWEN is trying to steal my home, which I alleged in a previous complaint, after they filed a foreclosure on my home, in violation of federal laws, which prohibit them from raising a fixed loan amount. They claimed my escrow was short by a few hundred dollars. OCWEN is trying to take homes that belong to XXXX people in identified neighborhoods, such as XXXX in XXXX, Ohio. I believe they are doing it in conjunction with certain corporations that are engaging in land grabbing in areas being gentrified. I called OCWEN and was told I owed an outrageous amount of money, which multiplies by thousands each passing day. In one phone call, the agent first told me I was behind 89 days, then after I told him that was impossible, he changed it to 169 days. I repeatedly told him that OCWEN sent my checks back or failed to properly apply my payments, then claimed I was behind. They then sent me a request for a balloon payment, after they intentionally failed to apply my payments. I am requesting that OCWEN be fully investigated for failing to follow federal loan guidelines and for stealing homes in XXXX neighborhoods using illegal loan practices. They also broke into my home and stole over one million dollars in personal and business property when my house was not even in foreclosure. In spite of multiple lawsuits, OCWEN has not changed its predatory lending practices, but continues to take advantage of XXXX homeowners that they think can not afford to defend against their unscrupulous practices through lengthy litigation. I can't reach a supervisor or any qualified rep whenever I call. My loan should have been paid off, but they keep restarting my loan every time they force a foreclosure action. They are intentionally driving homes, like mine, into foreclosure that would not be in foreclosure, except for their conduct. I am requesting OCWEN be fully investigated for violating fair lending laws.
Hard Credit inquiries I do not recognize on my account. Some accounts are repeating and can never dispute. Been 3 years since trying to figure it all out but no opportunity has arose. No proof of any debts been received. Credit has been dinged too many times unaurthorized and unlawfully
There is a fraudulent charge on my account, I have researched the charge and deemed it to be fraud. I reported the charge to my financial institution and they have told me it can not possibly be fraudulent because I paid the bill, which is what a person does to keep an account from going delinquent. They told me I must go through an extensive process to reopen the claim even though it should not have been closed in the first place.
Well i was given a notice to vacate at XXXX apartments for violating the lease terms. They of course sent it to a collection agency named blakely witt. Now i expected to owe money but i didnt expect to have to deal with a bs company who posts XXXX what i owe on my credit report without trying to collect from me at all. So i decided to call them and ask how i could owe XXXX?! I definitely did not expect to be disrespected like i was. From the moment he started talking i knew they werent like any other debt collection agency i have ever dealt with. First off he just said hello. He didnt tell me who he was what company he worked for or that he was attempting to collect a debt. I know i called them but every other collection company did whether i called them or the other way around. To his defense though he wasnt trying to collect anything. When all he said was hello i said um hi my name is XXXX XXXX and yall put on my credit report that i owe XXXX and i would like to know what that is for exactly. So he started to read off the list and he said XXXX for rent which sounded high but possible then he said XXXX for damages and that sounded right. Then he said something about a fee for not providing proper notice. I said i was asked to leave in three days how can i leave 30 days notice in three days? He said that doesnt matter and i said yeah it does and then he said let me explain how a conversation works .... At this point i am pretty mad. Then he said a XXXX dollar collection fee. I asked what are you doing to justify that you have been on the phone with me for XXXX min and still havent tried to collect anything from me? He said it was in my lease. I said you arent helping and he told me im not trying to help you im trying to help my clients so i hung up. So then i decided i should go to the apartment complex for a copy of the lease. I asked for it and they took my number down and said they would call when they had it but of course they never did so a few days later i called them and they said they didnt have it anymore because they shred them after a year and i had to get it from blakely witt, but they have a list for what i owe so i got it and it said i owe XXXX something with collection fee included so i called blakely back. This time they asked my name and transfered me right back to the same guy who called himself XXXX XXXX. This time he refused to talk about the debt and just made fun of the way i laughed or something. I said ok whatever i just need a copy of the lease and an itemized list for what i owe emailed to me. He said he cant email only mail it i said i dont have a address because i cant get an apartment because of this debt he said call back when i had XXXX. I said fine here is my moms address but i dont think he wrote it down. Then iasked if he was going to mail it he asked " what of you think ''? Then i said please correct the amount and let me start paying on it and he told me i dont have money so i couldnt pay it then i asked what the amount he had was and he hung up.
I  have asked Experian to investigate my dispute through physical verification and provide me a complete file disclosure pursuant to FCRA, Section 609 ( a ) ( A ). I have also asked them to delete disputed items if they are unable to provide me a complete file disclosure. My first reques t was sent out on   XXXX   XXXX   XXXX    , of which they received my letter on   XXXX   XXXX   XXXX    . My second request was sent out on   XXXX   XXXX   XXXX    , of which they received my letter on   XXXX   XXXX   XXXX    . As of today, I have not received any disclosure that relates to the disputed items on my credit report. This is a violation of the federal law where Experian has denied my right as stated on FCRA. I ask you to step in and demand Experian to follow the law and provide me a complete file disclosure for the disputed accounts on my credit report.
I originally sent EXPERIAN a dispute letter regarding 6 late payments to XXXX on XXXX XXXX. ( XXXX letter for each late payment, 6 letters total. ) I asked for any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature, I requested that this information be immediately deleted from my credit file. They responded with an updated version of my credit report simply verifying the information without proof. 
I then sent out a second letter dated XXXX XXXX, giving them 15 days to do a reinvestigation in hopes of getting this issue resolved. They did not respond within the 15 days which is in violation of the FCRA. 
I would like your help with this issue. 
Thank you
I sent a money transfer on Tuesday XXXX XXXX XXXX from my bank account to Coinbase website for XXXX. The transfer should have lasted 1 or 2 days to be delivered. But one week later, I've n't received it yet. I sent an email to the customer service Friday XXXX XXXX but I didnt get an answer. We are on XXXX XXXX XXXX and still nothing. My case number to the custumer service is : Case # XXXX
I have been trying for 10 + years to fix I had a account with XXXX XXXX in XXXX and I got hurt at work, i am permanat XXXX should have been paid off they sold or transfer at least 8 times every time new one called I told them never hear from that one and then it was sold to someone else well on XXXX it was sold to XXXX XXXX and on credit they did says new open in XXXX and when I desuted it saying it tis from another nothing Equifax does dispute in my file shows open XXXX from XXXX same account the below says XXXX XXXX XXXX XXXX they bought this in XXXX from XXXX even says on report sold charged off and they being XXXX keeps trying to say no it open in XXXX this account is over 10 years old and they just ran my credit again this year This is the only account all my others when I got hurt did what I bought XXXX insurance never thinking I would ever use it and still they keep screwing me I have talk with my credit union about this in the collections department and they say they cant do that the account is from XXXX not new in XXXX I have copies of the results they just did and it shows it clearly How many years do I have to pay for getting hurt 10 + 20+?
I need the corrected and I do n't know what else but fight it over10 years old. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX XXXX
this account is clearly fraud and needs to be removed from my credit file i have had to deal with this for quite some time .... they continue to report this even after it is clearly not my account my information was used to open this account i have listed it on my police report and notarized id theft affidavit concerning this matter.
I recently opened an Amazon Store credit card, issued through Synchrony Bank. About a week after opening the account, I was notified by Amazon security department that my amazon account was compromised, and unauthorized purchases had taken place. They locked my account, and cancelled all unauthorized orders, which all contained e-gift cards that were claimed by people who I have never heard of. Amazon sent me an email saying all transactions were being reversed. Two weeks went by, and the orders had been cancelled but my Amazon credit card ( issued by Synchrony ) had not been refunded. I contacted amazon numerous times, and they finally told me I needed to contact Synchrony Bank to have the charges reversed. I contacted Synchrony and opened a dispute. Several weeks went by, and I never heard anything from Synchrony or Amazon. I was forced to make a payment on the account to avoid late fees and a derogatory mark on my credit report. I contacted Synchrony and was told the dispute was closed due to lack of details, but they would open the dispute again. I have no faith in this process, given I already went through it before with no results. All of the charges that amazon told me would be reversed took place on XXXX XXXX and XXXX XXXX. There were a total of XXXX charges, totalling {$4000.00}
Last Reported : XX/XX/XXXX Collection agency : XXXX XXXX XXXX Date openXX/XX/XXXX {$1000.00} I want to know how was this account open XX/XX/XXXX.. 
I would like to have this account removed off my credit..
On XX/XX/2018 I made an international online purchase for {$25.00} so I used my XXXX   XXXX that says it charges no foreign transaction fees. When I viewed my statement I saw that I was charged a {$10.00} cash advance fee. I immediately contacted a representative and was told that the fee was based on the coding of the vendor and that XXXX could not remove this charge. I reluctantly paid the full amount of {$35.00} and when I viewed my account again I saw that an additional {$2.00} " minimum charge '' fee was added after I had paid. I called a representative again and the lady told me that this was a minimum charge on the cash advance and she could not remove this charge neither. I pay an annual fee of {$89.00} a year, make a {$25.00} purchase and get billed {$12.00} in fees.
portfolio recovery has called up to weekly to collect on a debt b y some one with  same name. It is not my debt and I dont feel I should have to respond.I also should not have to do their work.If they did their proper due diligence they wouldnt have to harass peo ple needlessly.They ha ve called in the past I told them it wasnt me and stop calling .The calls have resumed  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  .6  months ago I informed a  XXXX   XXXX  from  portfolio recovery   XXXX  Virginia  XXXX   XXXX   XXXX   XXXX  to  stop harassing as th ey had wrong person
I AM XXXX XXXX. BANK OF AMERICA REFUSES SERVICE AT THE BRANCH TO ASSIST ME WITH MY ACCOUNT. I AM NOW TURNED TO THE ONLINE ACCOUNT WHERE I HAVE TO ENTER ACCOUNT NUMBER THAT I DO NOT SEE. THE ONLINE SERVICE HANGS UP REPEATEDLY. 

THERE IS NO ASSISTANCE TO ME, A LEGALLY XXXX PERSON, AS PROVIDED UNDER THE AMERICANS WITH DISABILITIES ACT TITLE 3 EFFECTIVE COMMUNICATION AS WELL AS THE CIVIL RIGHTS ACT OF 1963.

I AM SO FRUSTRATED.

THE BANK OF AMERICA WEBSITE IS NOT COMPLIANT WITH AMERICANS WITH DISABILITIES ACT AS IT DOES NOT PROVIDE A MECHANISM TO BYPASS POP-UP SCREENS AND I HAVE TO LOCATE THE CLOSE BUTTON ; THEIR WEBSITE DOES NOT PROVIDE AN ALTERNATE METHOD OF NAVIGATION TO INCLUDE USE OF THE TAB KEY, OR ALTERNATE BACKGROUND, IMAGES HAVE NO DESCRIPTION TAGS, THERE IS NO WAY TO INCREASE AND DECREASE THE FONT
21 % interest rate. Stating a loan in the past was not paid which is incorrect. The loan in the past was paid in full within the first month.
Opened a Santander business checking account and, after meeting all the requirements for the {$500.00} bonus, I called in. The agent I spoke to ( I recorded the call ) said that I had indeed met the requirements and I should expect the bonus in my account within 30 days. That was in early  XXXX . Today, I called Santander and they changed course and mentioned that the marketing team had put in my file that I had not met the requirements for the {$500.00} bonus.
I never received a dunning letter from ERC. The only notification was when ERC reported the collection on my credit report and I received the alert via the credit monitoring program I am enrolled in.     I sent a certified debt validation letter  XXXX . ( attached ) ERC reponded  XXXX , almost  one month and 15 days later and did not validate the debt accord ingly . ( Letter  attached )
I owed XXXX XXXX XXXX in FL a hospital bill of over {$1800.00} which I was paying {$20.00} per month on before sending me to a collection agency XXXX. I tried to resolve the issue but they would not work with me. 
I owe another hospital, XXXX XXXX over {$2000.00} which I am also paying {$20.00} towards and also {$20.00} for a separate doctor bill. {$60.00} per month on medical bills is a lot when you just don't have anymore to give. XXXX XXXX agreed to let me pay the {$20.00} and tried to get XXXX XXXX to set up an agreement as well. Instead XXXX XXXX sent me to XXXX collections! 

I was forced to retire to care of my husband then lost half of my income due to his death. I'm on social security and paying for both his funeral and my daughters who I lost 5 months prior to my husband. I tried explaining this to XXXX as my reason why I can't pay any more than {$20.00} per month. I spoke with them and a supervisor on two separate occasions, XX/XX/XXXX and XX/XX/XXXX. They said they have no option but to report this on my credit report unless I could pay {$200.00} per month! I still continue to pay {$20.00} getting the bill down to {$1700.00} and now is on my credit report. I believe they used bully tactics to get me to pay more and don't feel this is right.
On Saturday XXXX XXXX I check my Transunion credit report to find that there were inquiries and collection accounts that were added to my credit report that was not on there before. Subsequently I found out that there was a glitch in their system and peoples credit reports were altered. I called on Monday XXXX XXXX to see if they were going to remove the inquiries and I was told that I have to write each creditor and request that they remove the inquiries. I never received any type of notification that these inquiries will be added to my report per the FCRA. I would like all inquiries and collection accounts removed from my credit report. I am trying to start the homeownership process next month and this would set me back from starting the process
This company continues to call my mothers home repeatedly, a third party, although they have been informed I do not reside there and was asked to stop calling on several occasions by the third party, my mother.
Capital One put credit inquiries on my report on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX. I did not authorize these inquiries. I sent them a letter disputing these inquiries and was sent back a generic response that inquiries are a matter of record and it would n't be removed. I did not authorize these inquiries and I would like them removed from my report.
In XXXX 2014, I went to PNC Bank to pay on my loan at the XXXX XXXX, with the Branch Manager who is no longer there ... He mailed my payment, and a month later PNC called me from where the loan was being serviced and stated they did n't get my payment in XXXX ... I explained to them over the phone, that I made the payment with the branch manager at PNC XXXX and they should get in contact with them, and that I would also follow up on my payment ... .I went to the Branch and they said to me we mailed it to the Loan Servicing Dept. and Loan Servicing Dept. at PNC stated they would call the Branch ... I spoke with the XXXX XXXX, and the Branch Manager XXXX said the Loan Servicing Dept. at PNC never called to ask about the mailed payment ... .At this point it 's showing up on my credit reports without my knowledge which violate the fair credit reporting act ... I expect pnc to act in accordance with the fair credit reporting act and delete this account from my credit reports ....
did not receive a court order to appear in court, being garnish for over 400,00 monthly by XXXX XXXX XXXX, no name on papers as to what co. I assume it was from bank of America for a credit card from XX/XX/XXXX or XX/XX/XXXX balance on card was XXXX XXXX, their bill XXXX XXXX.i received a check from bank of America dated XX/XX/XXXX. I paid insurance monthly covering the card in the amount of XXXX never cashed it first garnishment was XX/XX/XXXX no way I can afford this. Complaint # XXXX same as mine. Thanks