WillisBack/dataset-financial-user-claim huggingface dataset:
My name is XXXX XXXX. I have made several complaints against this bank about their discriminatory practices in which I have requested they train their staff in treating other person of other races in spite of their national origin and accent the same way as they treat Americans. I am a naturalized American but I am an American in name but in reality with this bank I am treated differently.

I called this bank on XX/XX/18 to make a transfer on my account from my experience and in my discussion with other friends of mine that are Americans. To speak to a representative after you put in your account number and your pin through the automated system all the representative has to do is ask you your name and do whatever transaction you want to do. The call I made to this bank was around XXXX and XXXX XXXX on the XX/XX/XXXX. I think if I can remember I spoke to one XXXX she asked me my name and I provide that and she wanted to further ask other questions which I refused. I requested to speak to a manager who I think her name is XX/XX/XXXX who said what the representative did was right and she could ask further questions apart from my name. I think they are applying standards higher for me which they do not do to Americans and I know it is because of my accent and national origin. I think this discriminatory practices should be checked and same standards should be applied to every body regardless of nation origin and accent
After multiple attempts to contact the credit card companies like XXXX  XXXX, and syncrony financial, they failed to contact me therefore affecting my credit. Syncrony financial balance remaining is {$1000.00} and XXXX XXXX {$350.00}.
continue my refinancing, I pay off the equity line to Wells Fargo Bank, they charge unknown amount of {$720.00}, call they why charge, they said " you are forclosure, '' I told them I pay off the Equity Line, they said that they will investigate. 
But I got a letter ( attachment ) listed for closure in 2008. 
This was muntrue, I never have forclosure. 
Please check in this, I do not owe them any money. 
Thank you
I went to XXXX in XX/XX/XXXX with a XXXX debt.a firm purchased it and sued me while in XXXX.I was given something to sign by a guard.was n't given a chance to read it, ask questions or anything.did n't receive a copy.only legal advice I got was guard saying it would n't matter by the time I got out.when I got out in XX/XX/XXXX.I got a job and suddenly my wages are garnished.me nor anyone else had any idea that firm had been charging twelve percent interest the whole time.no attempt was made to inform anyone of anything.I panicked at the garnishment and made a deal for weekly payments.I 've been paying every since.they 've collected twice the original amount and I still owe.I feel the way they handled the situation was sneaky, underhanded and just wrong.it 's hard enough for an ex felon to make a living without this.I need insurance, dentures, my kids need help but any money I have is going to the firm
I have been patiently waiting for some response from Wells Fargo. I got my home back in late XXXX ( redemption ). Since then, I have been given NO confirmation to the home being mine again. I even without having a new loan number ( I was told by XXXX I would be given a new loan number ) made a house payment in XXXX. In fear to getting behind on payments again. I was told to NOT do this XXXX XXXX XXXX XXXX because any payments made could be in limbo while awaiting a new loan number. I have received yet again several letters from Wells Fargo on how they are working on details and should have everything resolved by a certain date, only to receive more letters stating the same with a latter date. I ca n't sleep, and all I do is worry because my home was foreclosed on during a re-modification period back in XXXX. I was successful in XXXX to get my home back, with a large amount due in late XXXX, I wired the money from my bank to Wells Fargo, and to this very date I have not received in notification from Wells Fargo, but XXXX did receive a letter ( email ) from CFPB and that my home was mine. I need some clarification, a loan number, an amount owed. I ca n't go on with this waiting in limbo, it has since affected my health. This is XXXX XXXX and I am no closer to understanding what I should or should not be doing since wiring the money in XXXX. I have taxes that will be do, and homeowners insurance that XXXX are included in my mortgage. I can send you copies of every letter I have received from them, Wells Fargo, and how the date gets pushed back. Can you please help me with getting the proper help in clarifying this matter. Thank you for you time again in this matter. Account Number XXXX Case Number with cfpb XXXX and XXXX XXXX XXXX
I received a call from a " company '' claiming to collect a debt. Asked me to verify the last XXXX of my ssn. I did n't verify as I suspected it was a scam and the caller got very upset when I requested to have the information sent to me in writing. I asked the caller to state the company name several times and she did not and after I explained to her I 'm not confirming anything because " this could be a scam '', she hung up on me. Basically confirmed my suspicions.
I was never late paying my auto loan. Equifax and XXXX  wont cooperate when I asked them how they came up stating the account is verified. CFPB amp up and do something to remove XXXX XXXX   XXXX
Paypal will not cancel my account. I canceled my XXXX account no issues due to moving out of the country. I tried to cancel paypal and they stated that I had an outstanding dispute with XXXX. I contacted XXXX who confirmed that I did not. I spoke to 5 different representatives at Paypal after getting their phone number after trying 5 times. They would not cancel and said I had to contact XXXX. XXXX said no, have to contact paypal but we can close out XXXX no problem. I want to close my paypal account but they are refusing do to so.
American Express has misguided me into closing my platinum card account, saying I could still use my XXXX membership rewards for 45 days once the card had been closed. Once the card was closed I could no longer redeem these rewards. I have tried to reopen the card to use the rewards, but American Express have rejected my application to reopen the card citing credit reasons. I feel I have been treated unfairly, and having been an American Express cardholder for 11 years, now feel cheated out of my rewards by having been advised to close the card and stipulated to that I could still access these rewards.
I signed up for a promotion with CitiBank to open a bank account, keep a XXXX balance for 30 days and then receive a {$400.00} bonus. I completed the steps and was not provided the bonus award.
Family Member obta ined loans fraudulently, has subsequently been prosecuted and is serving a  XXXX  term for the crime. Despite numerous submissions of documentation to support this, creditors and credit reporting agencies continue to report inaccurate information causing severe damage and undue hardship with expenses related to higher rates and premiums. Unable to afford further legal fees - desperately seeking resolution.
On XX/XX/XXXX, my father, a physically XXXX XXXX year old man with XXXX to his private residence by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX, ( XXXX ) XXXX. XXXX denied payment for this service, although they had covered XXXX on several prior occasions. 

On XX/XX/XXXX, we appealed the XXXX decision. On XX/XX/XXXX XXXX denied our appeal, but determined that XXXX XXXX XXXX XXXX was responsible for the charges. In the meantime, XXXX XXXX XXXX XXXX had referred this account to the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NY XXXX, ( XXXX ) XXXX. I informed all parties of the XXXX decision and that my father was not responsible for the charges. 

XXXX XXXX, of XXXX XXXX XXXX XXXX XXXX XXXX contacted me and asked me to file a XXXX appeal as their client, XXXX XXXX XXXX XXXX, could not. This was a lie ; XXXX has since informed me that XXXX XXXX XXXX XXXX could have filed *and possibly did file XXXX their own appeal. Certainly, XXXX XXXX was aware of this. Not knowing this and assuming XXXX XXXX was being honest, I filed a XXXX appeal with XXXX on XX/XX/XXXX. While awaiting the results of the XXXX appeal, XXXX XXXX XXXX XXXX sent my father a letter threatening to take him to court. 

XXXX informed us in a letter XX/XX/XXXX, that not only were they denying the appeal, but they reversed their earlier decision and my father is now liable for the charges. I had no idea that the appeal could result in a worse decision, although I am quite certain that XXXX XXXX, as a collections professional, did. XXXX says we should not have filed the XXXX appeal and that our only option is to either pay or go before an administrative law judge. 

I believe XXXX XXXX knowingly gave me false information and took advantage of my willingness to help to get me to file a XXXX appeal. This is highly unethical behavior. Preying on XXXX and their families must be the most despicable behavior possible.
My identity was stolen. At the early part of 2016, I started to receive telephone calls from several credit card and a exercise equipment company stating that I had taken out credit and had began to go delinquent in my payments. I filed a police report and provided it to all the creditors that I did not recognize on my report. While some companies have removed the fraudulent accounts from my report, Citicards/Citibank is one company that has refused to do so. I hired an attorney to handle this matter for me. He stated that XXXX would only agree to settle the balance that had now charged off. I made all the installments to pay it in full. However, the impact of identity theft is still affecting me because this shows as a negative entry on my credit. I would like for Citicards/Citibank to take in consideration all of the documentation I 've provided on identity theft and the great lengths I 've gone to get this rectified. I have disputed this in writing and directly through the bureaus but no one will listen to me! I have even agreed to pay money back that I never received. I want them to remove this from my credit report because we NEVER were in business on this account and they have come out the victor by getting money from me anyway.
I noticed a hard inquiry that was on my credit report from XXXX/XXXX on XX/XX/2018 which I didnt request. 

I called their customer service number and the rep told me they do these randomly to increase credit limits. I informed her I dont need a credit increase and she told me there was nothing she could do.
I have been a proud TD bank customer for more than 12 years. I also have a mortgage account with TD Bank. It was a total surprise to me when I received 2 letters from the TD Mortgage Department yesterday : 1 ) missing a XXXX payment and 2 ) a late notice. Initially, I was questioning myself on what was going on since I have taken pride in keeping all my accounts at good standings for all these years. I have never had a late payment issue and have always maintained good balances. It was a real shock to me ; I never thought I would miss a payment. Immediately, I pulled up my online recurring transaction records for my mortgage payment that I set up at the beginning of the year, which I had screenshot from the scheduled transfer transactions confirmation page. The recurring transfer transaction was for the period beginning on XX/XX/2018 and the set amount was {$3700.00} from my Checking account to the Loan Account for the first day of each month ( a total of 12 recurring transactions was set up under a confirmation ID provided by the TD banking system ). I monitored the recurring transactions for the first 3 months, and I put my trust in the Bank system to continue my remaining transactions for the rest of the year. 

Unfortunately, in XXXX, I was preparing for a XXXX XXXX. I was so disappointed when I returned home from the hospital and saw that I had received the two letters from TD Bank regarding my missing XXXX mortgage payment. For all these years, I believed that TD Bank had the most secure and reliable banking system, which is why I have been banking with them for so long, but this incident failed me big time! I am writing to you today to inform my dissatisfaction for your banking system that hurt my good standing and my reputation as being a good customer. If you need more information and clarification from me, I am always here. I hope you can build a better, reliable system that will benefit the customers.
There is an item on my Credit Bureau reports that is from Citicards showing a charge off. I have requested numerous times for an itemized breakdown of all charges and credits a copy of the application and who made the charges. Have never received a response. The account is now out of statutes. Texas statutes is 4 years the date of last payment is XX/XX/2011 I called citicards today and offered them a settlement and they refused any money for a settlement because the statutes had expired!!! they informed me that the listing on the credit bureau length of time is up to the Credit bureaus. I called XXXX and the told me 7 years. 
The problem is Citicards refuses to settle and I cant get the credit bureaus to remove until after 7 years. seems only right to me that if the statutes have expired and Citicards refuses to settle, the entry on my credit bureau reports should be removed -- please help.
Since XX/XX/XXXX I have been charged {$17.00} per month as a monthly maintenance fee by US Bank. Several criteria, including deposits and lines of credit, were in place to have this fee waived. Beginning in XX/XX/XXXX the fee stopped being waived, with the exception of a few months ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). A total of {$680.00} has been charged incorrectly and this was discovered just recently as my wife and I were looking into why we would continue to have to pay the monthly fee. US Bank refunded only 3 months worth of fees ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) after we brought this to their attention but refuse to repay the remaining {$680.00}.
Professional Bureau of collections account no.XXXX appeared for the 1st time on my XXXX credit bureau in mid to late XX/XX/2018.The original creditor had been paid 4 months before and said the collection was in error.XXXX today possess a letter from the original creditor saying the debt was paid and gave a contact number to verify.XXXX via phone call service to XXXX said they had received the document but hadn't yet ruled on the matter.I have attached here letters from the original creditor saying I do not owe the debt  and that debt was paid in XX/XX/2018.SO WHY IS THIS COLLECTION ACCT APPEARING ON MY XXXX REPORT IN LATE XX/XX/2018 AND WHY DIDN'T XXXX DELETE IT IMMMEDIATELY AFTER SPEAKING WITH ME TODAY. 
CFPB PLEASE PUT THESE COMPANIES ON YOUR WATCH LIST FOR LEGAL ACTION.THEY HAVE DESTROYED MY CREDIT WITHOUT THE RIGHT TO DO SO.
My husband passed away, the title of the house has been transferred to me as the surviving joint tenant. I was told by Lender to apply for the Loan Modification - Loan Assumption process to get the loan on my name. I have sufficient income and submitted all required documents in the timely fashion following Lender 's Instructions. First Lender was keep asking for the same documents when even the Relationship Manager has to apologize to us for inconvenience. Now on XX/XX/2018 Lender executed the BPO that supported by the similar value of the Lender 's the Interior Appraisal of $ XXXX instead of completing the Loan Modification - Loan Assumption process for the widow, Lender orders another BPO on XX/XX/2018 and denies widow for Loan Modification - Loan Assumption process using the $ XXXX value for NPV Test. My understanding and according to the same Lender only one BPO or Appraisal can be ordered every 90 days. The same NPV test also showed that my gross income three times less than showed on all submitted supporting income documentation. The Lender keeps playing with the value of the property. I hope this all a simply accidental issue and not the staged circumstances to victimize the widow by inflammation of the property price opinion and ignoring valid Interior Appraised value of the property done by certified appraiser hired by the Lender itself. I am requesting to postpone the foreclosure sale for the subject property and review the circumstances listed above to complete Loan Modification - Assumption processed for the widow.
I received an escrow analysis in the mail from my mortgage company, Freedom Mortgage, dated XX/XX/XXXX. It informed me that there is an escrow shortage of {$18000.00} on the account. This is the only notification I received. This shortage is fromXX/XX/XXXX and XXXX. I bought my house in XX/XX/XXXX I was told by a representative from Freedom mortgage that the shortage is from property taxes that were underestimated but that they have already paid them and need me to reimburse them. My regular mortgage payments were {$1900.00} monthly and starting XX/XX/XXXXI will have to pay {$4100.00}. I ca n't afford to pay that amount and I feel that it is unfair to make me pay the {$18000.00} when I was not notified.
In XX/XX/XXXX XXXX XXXX tried to Garnish my accounts. Asked the Court for a request for a hearing as I was never notified of a court proceeding against me for a garnishment to occur. Court denied my request as there no accounts Found Mailed a letter to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX regarding what this was about. Never received a response back from XXXX XXXX In XX/XX/XXXX pulled a Credit Report and saw that I had two public records on my Report 1. XXXX XXXX 2. XXXX XXXX Wrote a letter to XXXX XXXX Court inquiring on these accounts on XX/XX/XXXX Received a response back from XXXX XXXX Court Date Stamped XX/XX/XXXX Wrote a letter again to XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, OH XXXX regarding this matter in XX/XX/XXXX. No response from this Plaintiff In XX/XX/XXXX I received a letter from XXXX XXXX dated XX/XX/XXXX, more like a collection letter stating they are trying to collect a debt. I contacted the number on the paper XXXX and spoke to a " Bill Collection Specialist '' and I inquired as to this debt. I was told they had not filed any suit against me but if I did not pay they would. I gave them the case number and the court and asked for proof of this debt. I also mailed a letter to the address on the letter with the same questions. Never received a response The next time I would receive a response would be from another attorney with XXXX and XXXX who states a judgment has been entered against me and I have 30 days to dispute the validity of the debt and I did so in a letter. The letter from the attorney stated that If you notify us in writing within the same 30 day period that you dispute this debt or any portion of it, we will obtain verification of the debt or a copy of a judgment, if any, and mail it to you. Upon your written request within the same 30 day period, we will provide the name and address of the original creditor, if different from the current creditor. If within the thirty-day period that begins with your receipt of this letter, you send us a written dispute of all or any portion of the debt or request in writing the name and address of the original creditor, we will suspend our efforts to collect the debt until we mail the appropriate information to you. 

The only response I received from that letter was a Motion for Entry of appearance from the same attorneys. Since this was dated XX/XX/XXXX and it was not too long ago I mailed my letter of dispute I did not worry about this letter. 

Then I received a letter from the court that this attorney garnished my bank accounts. Except I do not have any money in the accounts. All the money belonged to my husband from his paychecks and they took his money. 

The final response was a letter from the court that a garnishment was sent to my bank and the bank withdrew all of the money belonging to my husband including the money he placed in the joint account to pay the bills that now the money is gone and the bills are coming through electronically. 
Still no response to my letters. NONE OF THEM
TransUnion 's customer service would not help and take care of the negative inquiries reporting on my credit report. I have sent several certified letters advising them that following inquiries where not authorized by me. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX
On XXXX XXXX 2017, I recieved an email from Discover Credit Card that my account has been closed without any further information. I tried to contact them for the reason behind this message, but they told me that they cant provide any information and when I insist they told me I havent submitted documents they requested. They havent revelaed which document I failed to submit yet, and also told that I have to reapply for a new card in this case. Ever since then they reported this to credit burea and rejected all my applications and enquiries on the same. After they closed my account I repayed the existing balance and cleared my account. I want to know the real reason behind this fraudulent activity on their side and also prevent my credit score being further damaged by this activity, for which I am not aware of the real reasoning. Please help me on this issue.
I received a notification on my Experian Credit Report on XX/XX/2018 that one of my creditors had decreased my limit on my XXXX 's credit card. I was not notified of this before the action took place. I had missed a payment by 8 days and paid it immediately when I found out that I had missed said payment. My payment was due on XX/XX/XXXX and was paid on XX/XX/XXXX. This is the first payment, in the 4 years that I have possessed this line of credit, that has been late. My available credit went from {$7400.00} down to {$3000.00} without any type of notification that my payment was missed or that they would be decreasing my credit limit. This was immediately put onto my credit report and shows now that my credit usage on this account is 97 % and dropped my credit score by 14 points.
Santander consumer USA is my auto lender. They have charged me fees that I keep paying and paying. I have not been late on my payments but every months they generate a reason for why they are tagging more fees onto my loan. As of my last payment, I paid every single penny I was told I owed just so that my account can return to normal. Now I went to make payments, even though I 'm not yet due, and they had more fees from nowhere. They are also not willing to speak on the record so there is n't a repeat of this come next month and they are not willing to speak with me. 

I am afraid if this is not kept in check they will find reason to keep generating and adding endless predatory fees onto my account. 

Please I need your help.
I am in the up most saddest state Ive been in a while. My account had been rigged due to a scam with XXXX. In this situation my debit was withdrawn from me & also my phone which does in-fact have my 4 digit pin. Varies transactions were made in my Checkings & Savings account early XX/XX/XXXX - XX/XX/XXXX I previously called over the funds for the first debit fraud in which I was reimburse the money. I was able to make 4 claims discussing my shortages & damages to my Chase bank account. Never in my life have O experience such trauma like this before. Shortly, after I had with held of my new debit card in where I was then manipulated out of my funds & personal information again I was charged for varies activities, that to my prior did not did not actually make. I have no prior business with XXXX  so therefore do not understand why there is multiple bank transactions with them. I do not know what the whole hassle with the atm fees are about since XX/XX/XXXX I called my bank & was issued temporary credit. But I am here today writing this statement to make sure I am able to fulfill in my actual funds of XXXX. Thank you