WillisBack/dataset-financial-user-claim huggingface dataset:
Describe what happened so we can understand the issue ... 
I was client from XXXX XXXX XXXX XXXX, were I took a loan to purchase a vehicle in XX/XX/XXXX. 
My payment were always paid on time. Later in XX/XX/XXXX XXXX XXXX XXXX XXXX, were underinvestigation from the XXXX County Prosecuting office for money laundering. XX/XX/XXXX, a company called XXXX XXXX, contacted me via phone explaining that they 've purchased the right to collect the remaining balance of my loan which it was a little over {$9000.00}. They also explained that two payment were never received by XXXX XXXX XXXX XXXX, in the amount {$1000.00}. I spoke with XXXX XXXX, and explained that my payments were up to date, and they refused to accept my receipts to show proof of my payments. I was still in communication with XXXX XXXX, to forward proof of my payments via fax. While in communication they dispatched a tow truck company a week later to repossessed my vehicle in the middle of the night. This was XX/XX/XXXX. My kids XXXX gifts were in the vehicle and XXXX {$1.00} XXXX silver coins, given to my sons as a gift from their grandfather which were stolen from inside of my vehicle by the tow truck company together with my kids XXXX gifts. I contacted XXXX XXXX, in the morning and they said if you do n't pay the {$1000.00} we will put the car in a auction. The tow truck company charged me {$750.00} for over night storage which the vehicle was only there for less than 5 hours. While trying to recover my vehicle in the morning I was forced to pay {$1000.00} + XXXX totaling {$1800.00} dollars. I recently checked my credit report, and found a negative nonpayment and delinquent report.
I deposited a paycheck for the amount of {$1500.00} via mobila deposit on Friday, XX/XX/XXXX. This deposit was placed on a partial hold without any notification to me until I called them on Friday, XX/XX/XXXX. I was informed of the partial hold during that phone call to a local Chase branch since there is no national not-automated customer support, and was told this was a temporary hold, {$200.00} of the deposit was made available, and the hold will be released on XX/XX/XXXX at the latest. It is my understanding that Chase is required to inform me when a hold has been put in place on a deposited item, and I received no such communication and the amount is well below the usual hold threshold of {$10000.00}. No reason was given for the partial hold.
Being treated poorly as a customer with Wells Fargo Bank.
I have been with Wells Fargo, for a little over a year now. During this time period my identity was stolen and claims were filed not on my behalf online. Well due to these Claims Wells Fargo originally decided over two months ago that they would close my accounts.
Giving the reason of " Excessive claims '' and then telling me the claims department recommended a review and recommended them close my accounts. After speaking with both the claims department and, prevention loss department. The Prevention loss department determined to keep my accounts as i was not the one who filed the claims. Then several weeks later, The same thing occurs. Once again they re reviewed my accounts and determined to retain the relationship. In the mean time i went to use my debit card to make a purchase and realized my debit card had been closed. I called customer support and was advised to go ahead and go into a branch and get a new card open. I did this over 6 times, With each card being closed within a week. Wells Fargo then makes a third attempt at closing my accounts out sending me notices, and i call once again and they determine that i did not file these claims. Then the representative calls over to the fraud prevention department and has my debit card turned back on, and explained to the rep that i did not misuse my debit card. I was also advised at the time, that as long as no further claims were filed my account would be monitored and kept open. If any further claims were filed it would be closed. No further claims were filed. I receive a letter in the mail, its in regards to a claim. I call the number on the letter to ask them what transactions was this in regards to. The letter advised if you have any questions to call. I did not try to file ANY NEW CLAIMS 0. Since my card was reopened. The rep then tells me she does n't have to give me that information. Then advises top please hold. Once being on hold i am then transferred to a person named XXXX ( Relations Department of the Claims Assistance center ) XXXX then advises me hes going to go ahead and close my debit card, I advised him that this decision to revoke my privileges was already over turned last week, and asked him why my debit card was being closed. I was then told because he can and it should n't have ever been re opened. I advised him the fraud department determined i did NOT misuse my card and decided to keep it open. He says he did n't care what that department said, and did n't care what my questions were. I then asked to speak to a supervisor and he told me he does n't have one. He then proceeds to hang up on me. All of this over a letter, about a claim and all i wanted was information. The next day i find out after filing a complaint on this XXXX. That my accounts are set to Close once again, And when i call to ask why. I am told due to Excessive claims again, even though it was already determined it was not from me. I advised them to check their notes last week, and the agent starts getting irate and says no. This decision is final.
Bach in 2012 was demoted and had a pay loss. Was paying XXXX a month. Asked if I could pay XXXX. a month. Their answer no we can defer your payments. I borrowed XXXX for degree and have made payments until my pay change. I am now XXXX and owe XXXX. All interest because they wouldny accept any payment and eas never offered income based payments. I started to work  temp for 3 months doing taxes grossing 3,500 approximately.  I offered XXXX last year but they said no. I'm tired of this hanging over me and gave been on interviews but  no one wants to hire old prople. What can I do?
During the month of XXXX I deposited about {$300.00} into my Coinbase wallet for Etherium and Litcoin, once I deposited the money my account was immediately locked and I have been unable to access buying or selling currency, I had the intention at the time to deposit over {$10000.00} into the account because Etherium was on a dramatic rise. It 's been 3 months ( XX/XX/XXXX ) and I am still unable to access my funds of $ 1,200+ now, I really need the money as I must pay a medical bill of {$1500.00}. I have received one human message in XX/XX/XXXX about them looking into the issue, never heard back, and their excuse on the site is they are overwhelmed. There are thousands of complaints on social media of this exact same issue and they are not taking care of it all.
To whom is may concern : I XXXX XXXX have been a credit card holder of capital one for at least 5 years. Starting XX/XX/XXXX someone has been trying to steal my identity. Someone would call into Capital One customer service and change my address request new/replacement credit cards be sent out to them. We are XX/XX/XXXX and this is continuing to happen right now today over a course of 4 months. Capital One has failed to meet the satisfaction of a customer by proctecting a customer from such indents and to keep such indents from occurring. Each call the fraudster has made they have been Successful at getting my address changed and replacement credit cards mailed out to them. Despite all measurements I have taking diespite all measurements Captial One has taking with noting my account and placing restrictions on my account. By the time I have changed everything back to my information and I have received my new cards only to have them canceled and the fraudster having other cards mailed out to them. I have placed fraud alerts in my credit files I have all credit files frozen and locked. But so some reason the fraudster is still able to gain access to capital one and get my information changed and new/replacement cards mailed out to them. Capital One has failed to keep a customer information safe and secure. Capital One does not take this matter seriously. And are continuing to put my information at risk by allowing this to continue. Despite telling me my account is heavily noted and nothing can be changed or requested without doing a extensive verification check to confirm identity.
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.     Under the Fair Credit Reporting Ac t, 15 U.S.C. 1681g I  have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required un der Section 611 ( a ) ( 5 ) ( A ) (  i ). By publishing these inaccurate and unverified items on my credit report and distributing them to  3rd p arties you are damaging my reputation and credit worthiness.  <P/> Under the  FCRA 15 U.S.C. 1681i,  all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.  <P/> Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.  <P/>  XXXX   XXXX   XXXX  " NO ACCT # '' UNVERIFIED/NO CONTRACT
I received a " pre-selected '' loan amount from Avant providing a web address to go to for a loan approval amount that WOULD NOT require a hard credit inquiry. Their website stated I was approved for {$3700.00} ( I had asked for $ {$3500.00} ) and provided a loan doc for electronic signature subject to credit verification and asked for a bank account number for a next day direct deposit and for eft monthly repayment. I approved and signed the doc and a hard inquiry was made. I was then asked for two years of tax returns after the inquiry was made. Not wishing to provide two years of business and personal multipage tax returns ( I'm self employed but also have business partners ) I cancelled the loan application but am stuck with a hard inquiry. I feel this is a deceptive process. If they were to provide all possible requirements PRIOR TO FALSELY PROVIDING AN APPROVED LOAN DOC FOR SIGNATURE this would have avoided my having a ding on my credit report for the inquiry. 

The company in question is : Avant XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, IL XXXX XXXX
Fifth Third Bank in XXXX, FL were contacted to re-finance my home in XXXX XXXX 2017. After 5 months of attempting and re-attempting to submit all my financial documents they, without my knowledge, changed my loan from a refinance with cash-out to a refinance. After 5 months they told me to change it back we would have to re-submit all our documents again. The following people were involved in the deceit : XXXX XXXX : XXXX ; XXXX XXXX : XXXX ; XXXX XXXX : XXXX ; XXXX XXXX : XXXX ; XXXX XXXX : XXXX. They all contributed to in way or another extending the process by asking for documents 2-3-4 times. They also after an inspector of the Banks choosing measured our house at less than 400sq ft than the previous 4 measurements done in the past 10 years. They colluded to try to get CD and other types of loans against the house and forced us to open an account in their bank to proceed with the loan origination. My credit has been decreased because over the course of the 5 months the checked my credit score over 8 times. We are current mortgage holders of this bank, so we were perplexed at how the process moved since it was so smooth 8 years ago.
I wrote a check for {$270.00}, but WellsFargo gave the payee {$470.00}, taking {$200.00} extra from my account and additing {$35.00} fee. The extra {$200.00} was set a side by me for gas and food the rest of the week. WellsFargo said they ca n't do anything for 10 business days until they " investigate '', there 's nothing to investigate!!! The check clearly shows {$270.00}, WellsFargo said it was their mistake, but maybe the payee made the mistake of the extra {$200.00}??? How is my account protected, no numbers or letter were altered on the check.
On  XX/XX/XXXX   I had stated process of trying to get information about the care loan that I had with the  XXXX   XXXX   XXXX   XXXX . I sent them a letter asking for the information of of the loan that was reported on my credit report. I let over a mouth go by and there was no information sent. I then sent a second letter out   XX/XX/XXXX   and nothing from that.. I sent a the third letter XX/XX/XXXX   . All of the letters were sent certified with a return card. I bank is stating  one  a amount on my credit report but was saying that they sold the car. But is reporting the amount as if they did not sell the car.
On XXXX XXXX, XXXX, Nation Star Mortgage took over the servicing of our home mortgage from XXXX XXXX XXXX. When XXXX XXXX XXXX was servicing our loan, our monthly escrow payment was calculated at {$860.00}. On a yearly basis, the amount we have been depositing into our escrow account has been {$10000.00}. 

We were completely startled and caught off guard when Nation Star, based on their XXXX XXXX, XXXX analysis of our escrow account, aggressively increased our expected monthly escrow payments from {$860.00} to {$1000.00} in XXXX of XXXX. Our assumption is that for XXXX, our escrow balance is expected to cover what it has always covered : Property Taxes, School District Taxes, Homeowners Insurance and PMI. We have seen no corresponding increases in our yearly responsibilities that come anywhere near requiring an extra {$1700.00} be deposited into our escrow account. 

In looking back on previous years ' expenses that escrow is expected to cover, below are the total expenses for XXXX and XXXX. In addition, below are draft expectations on where XXXX will end up. ( Note : some of those expenses for XXXX have already been confirmed. ) In XXXX, the numbers were as follows : Property Taxes : {$3100.00} School District Taxes : {$4700.00} Home Owners Insurance : {$830.00} PMI : {$1400.00} Total Escrow Payments : {$10000.00} In XXXX, the numbers were as follows : Property Taxes {$3300.00} School District Taxes : {$4900.00} Home Owners Insurance : {$810.00} PMI : {$1400.00} Total Escrow Payments : {$10000.00} In XXXX, our expected numbers ( based on the recent school budget vote ) Property Taxes : {$3200.00} ( see attached ) School District Taxes : {$4900.00} ( based on recent school budget vote, no expected increase ) Home Owners Insurance : {$940.00} PMI : {$1400.00} Estimated Total Escrow Payments : {$10000.00} Based on that math, our escrow payments for XXXX should average {$870.00}. There exists no mathematical evidence as to why NationStar Mortgage has aggressively escalated our monthly escrow payments to $ XXXXmonth without any corresponding increases in the accounts that our escrow balance is expected to cover. I spoke with a NationStar customer service representative that could not clearly explain the mathematical reasons as to why NationStar is requiring that we deposit an additional {$1700.00} into our escrow account without any corresponding increases. 

We felt it was incumbent on our family to file a complaint directly with the Consumer Finance Protection Bureau as to NationStar 's policies involving escrow payments.
I opened a new checking account at a local Citizen 's Bank ( CB ) branch. CB was running a promotion ; make {$500.00} in direct deposits within the first 60 days and CB will deposit a {$200.00} bonus. I asked the banker, XXXX, if the initial qualifying {$500.00} direct deposit could be broken up into multiple deposits, or had to be one large lump sum. She specifically told me that as long as the direct deposits added up to {$500.00}, either would be fine. 

I immediately adjusted my funding accounts at work for two direct deposits of {$250.00} each to be deposited over the subsequent two pay periods ( totaling {$500.00} ). However, the {$200.00} bonus was never credited to my account. I called in after the 60 day period expired, and was told that the initial deposit had to be one lump sum of {$500.00}. So I contacted XXXX, who advised that she reached out to CB 's marketing department and asked for an exception. Unfortunately, the exception was denied, even though she initially advised us that the qualifying deposits could be broken up. 

I attached the e-mail conversation with XXXX. She advised that she never stated that the initial deposit could be broken up. However, I would not have broken up the deposits if I was n't informed I could do so. The only reason I broke up the deposits was because it was more of a convenience ; doing the one lump sum would have required me to temporarily delete one of my funding accounts from my company 's payroll system. 

The whole ordeal has been really unfair. I know it 's my word versus the banks, but I really feel that this is a UDAAP issue. Please make an exception and credit me the {$200.00} intro bonus.
I have never engaged in any business with XXXX nor have I received any products or services from this company to whic IC Systems is trying to collect payment for.
Ok, SO! On XX/XX/XXXX I see 2 installment loans from the XXXX XXXXXXXX XXXX  XXXX : one in the amount of {$2500.00} and another in the amount of {$2500.00}. THESE WERE NOT OPENED BY ME and you can see how much just pure XXXX I've been put through ever since XXXX when my husband started using my SSN AND out children 's to file taxes. I've had SO much stuff on my accounts that I've had to fight until I just felt like giving up because I can't. The XXXX XXXX XXXX XXXX XXXX remarks are so rude. They're just like nope this is you and that stands. Ok WHY. WHY DOES IT STAND WHEN I NEVER APPLIED FOR THESE LOANS? LOOK at my history! I'm having a problem now with FOUR fraudulent hard inquires showing up on my credit report and Equifax can't even confirm my idenity with my OWN SSN, DOB, OR NAME. WHAT DO I HAVE TO DO TO MAKE THESE HEARTLESS, CRUEL AND UNCARING PEOPLE SEE THIS IS RUINING MY LIFE. I'M SO TIRED OF FIGHTING BUT I CAN'T GIVE UP BC I CAN'T EVEN GET A {$500.00} LOAN YET I'VE HAD AUTO LOANS AND PAYDAY LOANS AND STUDENT LOANS AND ALL KINDS OF EXCUSE MY FRENCH BUT XXXX GOING UNDER MY NAME! The proof is THERE!!! They just are too wrapped up in themselves to realize this is causing ME to suffer bc i can't even rent a decent place to live or build any kind of future for myself bc they are flat out REFUSING TO ADMIT THEY ARE WRONG!!!! PLEASE PLEASE SOMEBODY HELP ME. IT'S THE XXXX XXXXXXXX XXXX XXXX ... THEY DON'T CARE IF IT'S THE TRUTH OR NOT BC THEY DON'T CARE ABOUT US AS PEOPLE BC THEY ARE FUELED BY GREED AND SELFISHNESS. I WILL KEEP FILING AND KEEP FILING until somebody does something about this. I'm sorry I'm upset but enough is enough I'm tired if this!!!
I was under contract on a home after receiving lending approval on XX/XX/2018 and an approved purchase amount from NACA. 14 days prior ( closing was scheduled for XX/XX/XXXX ) to my scheduled closing date NACA informs me that they are unable to honor the approval. Which are due to the errors of their own underwriters, licensed mortgage counselors and home counseling staff. 

I have multiple written correspondences with the approval date and amount, as well as attempts to eliminate any potential issues prior to the end of due diligence periods however their counselors, management staff and underwriters were non responsive via phone and email.
I have disputed XXXX XXXX XXXX with Equifax on numerous occasions and they continuously take whatever information is provided to them with now actual review of their own records for accuracy. I called Equifax directly after the last result on XXXX/XXXX/16 and spoke with their representative to find out why nothing had changed. The representative told me all they do is take the information submitted to them and report it. I asked them to review the status which states open even though the account clearly shows paid. She stated yes, however, that 's how it was reported to them by XXXX. I asked her if she could see where this was a collection agency not a creditor, yet it 's reported under my creditor accounts. She said yes, but that again, they can only report what XXXX gives them. I asked her if she could not see they are reporting several missed payments like a creditor though it 's a collection agency and got the same response. If they actually investigated the information and linked it back to the XXXX, they would see the original creditor lists last date of payment as XX/XX/XXXX, XXXX lists it as XX/XX/XXXX. She finally told me if I had issues with it to call XXXX, which I did. XXXX 's response was they report it correctly and if there 's a problem, it 's due to how the CA is reporting it and to send in my receipt of payment to the CA. Neither will take ownership of this problem, nor correct it.
On XXXX XXXX, 2017, I wrote to the company asking them to validate debt as I did not have a contract with Portfolio Recovery ever. They sent me ( 4 ) bills to validate debt which was from ( 4 ) different companies, for 4 different accounts. I have never opened any account with Portfolio Recovery. I have tried disputing this debt on numerous occasions as I did not have any contractual agreement with this company. Sending a bill is not validating an account with said company. I have asked them to show i actually signed and agreed upon said debt. The amounts on the bill does not attach what has been reported to my credit report. 

Accounts : 1 ) XXXX XXXX {$680.00} 2 ) XXXX XXXX {$490.00} 3 ) XXXX XXXX  {$440.00} 4 ) XXXX XXXX {$380.00}
This account below has been deleted from my credit report twice and readded. i have provided in a past the XXXX XXXX for this debt. it should be de ; letd again from my report. it is also more than 7 years old. not sure what equifax is doing on credit reports but alot of the information on my report is missing or readded debts that are mines. 

XXXX XXXX {$7600.00} Closed Overview You 're currently using 254 % of your account 's limit. 
Balance {$7600.00} Credit limit {$3000.00} Minimum monthly payment {$7600.00} Opened XXXX XXXX, XXXX ( 6 yrs, 5 mos ) Payment History Youve made 71 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last payment XXXX XXXX, XXXX Current Payment Status Charge-off Amount past due {$7600.00} Worst Payment Status No Info Account Details
Agency refuses to update my account to the credit bureaus and supply the information that my debt has been reduced after consistent monthly payments. Under Sect. 623 of the Fair Credit Reporting Act, they have the duty to report supplementary information to the credit bureaus. When I have called them about it, they are insulting, abusive. I waited on hold for 45 minutes while they supposedly researched the statute but I finally had to hang up, so I could n't hear what conclusion they reached.
I have an account that 's in collections with Equifax that is not mines. 
I never opened this account and it is erroneous. What is my recourse???
Experian, XXXX, and XXXX continues to report a repossession which is not associated with me, despite repeated disputes with both the CRAs and the creditor.
My taxes of {$7400.00} were taken and being a single mom needing to move to better my life this was definitely a huge barrier. Please review to see if any money can be returned. thanks and XXXX bless!