WillisBack/dataset-financial-user-claim huggingface dataset:
I went to the ATM made a deposit and requested a {$200.00} fast cash withdraw. The machine told me to take my card which I did and then the machine acted as though I took my cash and told me to take my receipt. I immeditately went into the bank and told the tellers what had happened and they filed a complaint and temporarly posted the funds back into my account. I received a letter from the bank 10 days later stating after investigation they found no errors on their end and they debited the money back out of my account. The bank staff told me I would have to file a police report for the secuity footage to show whether I received my funds or not. I tried to file a police report and the police say this is a civil matter. The bank is refusing to look at the footage.
I first received a bill from I C Systems Inc regarding an unpaid balance for XXXX back in XXXX of XXXX. I contacted this collection agency to advise that this account was discharged in my Chapter XXXX Bankruptcy. I know as of today XXXX/XXXX/XXXX discovered this collection agency has put this on my credit report as a negative collection. The original date of the bill was XXXX/XXXX/XXXX
XXXX XXXX is reporting 180 days late on my XXXX credit report. This account has been paid off however they are reporting 180 days delinquent on mine report and that should be on my Ex husbands report not mine. I have a court signed judgement dated XX/XX/XXXX that states my Ex husband XXXX XXXX is responsible for all the debts of the martial home at XXXX XXXX XXXX XXXX, La. this Judgement was signed prior to the home going into late status XX/XX/XXXX. I have called Pennyman numerous times to ask them to remove this off my Credit. XXXX XXXX XXXX has sent numerous correspondence to them, and i have filed several disputes with the judgement attached and they are refusing to remove it. XXXX has removed this account and it is not showing on XXXX, it is only reporting on XXXX. However this is stopping me from purchasing another home for seven years. This account is pain in full and closed. I am asking for it to be removed off my credit. I was not responsible for the home when it went into late status.
On XXXX XXXX, 2017 Equifax had a security breach which provided my social security number and other identifying information to " hackers ''. They never notified me of this breach. I learned of it 6 weeks later by reading the news! Are they kidding me with this?
XX/XX/XXXX, I logged on to my credit reports to verify everything was correct and noticed information in all three credit reports of a XXXX XXXX of {$1300.00} opened in XX/XX/2018. A inquiry was made in XX/XX/2018. I also noticed an address that was new. Only showed up in the XXXX report as XXXX XXXX XXXX, XXXX, XXXX XXXX, OK, XXXX. I have already filed a complaint, letters, to all three credit agencies, as well as the FTC this week. I have filed with my local police force of this incident, as well. 
I have only contacted and notified the collection agency, Berlin-Wheeler Inc, of this incident so far.
On XXXX XXXX, 2015 I drafted a letter requesting debt validation in writing of XXXX accounts ( Account Numbers : XXXX and XXXX ) Hunter Warfield claims I owe within 30 days via mail. I discovered these accounts were being reported on Equifax, TransUnion, and Experian. This letter was sent certified mail and signed for on XXXX XXXX, 2015 by XXXX XXXX. I have not received any information from this company regarding these accounts. My complaint is one of noncompliance on this company 's part. Also, these accounts are being reported to all three credit bureaus without providing validity of this debt to me. This is harmful to my credit scores. Not to mention, horrible business practices on this company 's part.
I have been receiving harrassing phone calls at work, home, and on my personal cell phone from a companyh FMR ( Forward Movement Recovery ). Every time they called it was a recording stating my name & they were looking for my whereabouts. AT the end of the recording it says to press 0 to speak to a representative. At that point you're placed on hold & then you are hung up on. Today I called the number back ans spoke to XXXX. AT first he was very friendly & stated that I took out a payday loan from a company called XXXX XXXX XXXX back in 2014 & I never repaid it. He knew my place of employment, my bank account iformation, and my home address. I asked that something be sent to me in writing and he said that he would once he verified my personal information. He stated that this company has attempted contact me via email and regular mail for years & I have not responded. This is FALSE. I have never taken out a pay day loan. When I told XXXX that this was a scam & that I would be reporting this he became very aggressive and rude. Telling me that I was threatening him & he was no longer willing to send me any documentation about this matter. He said that he has my voice recorded saying that I was refusing to pay & that I was reporting them. I just want this to stop. I have never applied for any such loans nor have I ever received any funds. The person I spoke to was XXXX at FMR  XXXX ext XXXX
Upon looking at an alert on my XXXX  and XXXX  report the company by the name of XXXX XXXX put a collection on my report from XXXX XXXX XXXX XXXX XXXX XXXX  for the amount of XXXX it was recently removed from a collection agency before because I had no knowledge of the account, so I called inquiring about it spoke to agent # XXXX XXXX and she said a letter was sent out in XX/XX/XXXX and upon looking at your file this is our first time speaking with you and I said well if thats the case how do I know a letter was actually sent out then and she she stated we are a third party collecting a debt for XXXX XXXX XXXX XXXX and I asked for validation of this debt since they put this in my credit report she said she had to contact XXXX XXXX XXXX XXXX, I immediately knew this was a shady practice and she pretty much pressured me to pay for something I had no knowledge of and said upon paying they will send a email to send to the bureau, so with that being said Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609, and 623. On top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt. Without it please remove it and if it continues to happen I will pursue suit because the company has damaged my excellent credit that i have spent years to get it wear it needs to be surely XXXX I would not let damage my credit or ignore if I have thousands of dollars credit that I pay 100 % on time
On XX/XX/XXXX, I placed a fraud alert on with XXXX and obtained a credit report. I discovered that several entities that I do not have accounts with obtained my person information and conducted unauthorized credit inquiries with the credit reporting agency XXXX. Between XX/XX/XXXX and XX/XX/XXXX Capital One conducted XXXX unauthorized inquiries into my credit at a rate of a minimum of twice a month. XXXX conducted unauthorized inquiries on XX/XX/XXXX and XX/XX/XXXX. XXXX conducted an unauthorized inquiry into my credit on XX/XX/XXXX. XXXX conducted an unauthorized inquiry into my credit on XX/XX/XXXX.
I signed a contract that my monthly mortgage including taxes will increase from {$1600.00} per month to {$2500.00} per month for 30 years. Quicken loans is using predatory lending practices. They agreed it was their error..stated to that from their error. I would not have purchased my home for this amount. I 'm retiredd and I am on a fixed income. Quicken loans escrow representative name is XXXX XXXX.His number is XXXX. He said the XXXX XXXX is also at fault. The XXXX XXXX is XXXX in XXXX. Quicken loans representative told me to move.I just purchased this home 5 months ago. XXXX XXXX, XXXX, was my settlement date.
XXXX XXXX filed bankruspy XX/XX/XXXX they was unable to valdate the account XXXX  XXXX  XXXX had to delete the account then in late XX/XX/XXXX it was put back on credit report
My daughters account keeps on getting charged an overdraft fee on her account. They claim when Internet transaction is made it is not debit the day of the transaction. They also state that the merchant has up to XXXX days to submit there debit to get paid. The bank never puts a hold on the transaction and subsequently charges an overdraft fee. They also say that they ca n't tell me who the Internet transaction is from until it is completed. When I complained that XXXX was unauthorized to debit the account they took there time to investigate RIDICULOUS.
Hello, I was an authorized user on 3 citi cards. I had called Citi and asked to be closed on all authorized users accounts I was on which was on my cousins. But I don't won't wan na be held accountable for the money he owes. 

If you guys can kindly close me out of all these 3 citi cards it would be greatly appreciated.
I have contacted TransUnion multiple times and even contacted the creditor of the multiple inquiries showing on my credit file. I have not gotten a response from the creditors and it has been over 30 days. I contacted TransUnion at the beginning of this month regarding the inquiries and the representative I spoke with told me they CAN NOT dispute inquiries which is untrue as I have disputed inquiries before. He stated I needed to contact the creditor and I let him know I did that and they have not responded back to me. He stated that inquiries are factual records & will remain and I explained to him they are not factual and how can you tell me that if you havent even started a Investigation to look into my situation. TransUnion customer Service has went down hill and they DO NOT help their consumers in any way. They in no way have validated the inquiries as factual and I deman they be removed!
i recently pulled my credit report and discovered that this company has reported that I owe them an un paid debt to. To my knowledge I have never entered into a contract with this company that would obligate me in any way nor have they provided me with any services or goods
I have XXXX mortgage with OCWEN loan servicing company and they are now reporting to credit bureau that I am past due when they are canceled my auto payment options. However I been calling them since XX/XX/XXXX to ask what other options were for me. They told me to let it mature and then I can apply for the modification. So, I contacted them on XX/XX/2015 few days before the mature date to ask if there are any other option. They told me to wait until it matures ( XXXX/XXXX/2015 ) then submit a modification request. So I did and they said it 's been denied because it a XXXX mortgage. Ever since last year they are calling me to refinance which I could have done if they did not give me the wrong information. Now since they are reporting the account as past due which impacted my credit scores to drop from XXXX to XXXX. There is no lender who will refinance for me.
We arranged with Remitly online for {$100.00} to be transferred to a family member 's bank account in the XXXX. The money was removed from our bank account but never transmitted to our family member. Remitly had vague answers over 6 days about the status of the transfer. We contacted our bank to dispute the charge and will make other financial arrangements for the transfer. We will not use Remitly again and advise anyone else to avoid this company.
We received an advertisement by US. mail from Chase Bank informing us of a lower interest rate and lower monthly mortgage payment. The year was either XXXX or XXXX, I 'm not certain.
I had an auto lease account with GMAC that was included in Bankruptcy XX/XX/XXXX. Bankruptcy was discharged XX/XX/XXXX. GMAC is continuing to report this account derogatory on my credit report every month to this day. When I contacted GMAC I was told they will continue to report the account derogatory regardless of it being included in Bankruptcy for 10 years from the date the bankruptcy was discharged. I would like the CFPB to help me to get GMAC to operate within the confines of the Fair Credit Reporting act and to stop reporting this account as derogatory, and further to take all of the derogatory remarks off of my credit report from the time the bankruptcy was discharged XX/XX/XXXX.
I am a victim of identity theft. The following XXXX credit card account listed on my Trans Union, XXXX and XXXX credit report, is fraudulent and someone made fraudulent transactions using XXXX credit card account : XXXX.
Received phone call from GE Capital with a phone number of XXXX. Spoke with a man named XXXX XXXX. Stated I was qualified for a personal loan. He wanted to pay off my credit card above the loan amount to boost my credit score. I told him then I was not interested. This is a Spam Call.
My loan is with a collection agency titled GC services. The only way the company will set my payments up is if I have XXXX references. They already have XXXX on file and I can not find another source who lives outside my home. There guidelines state you need XXXX outside the home so because I do n't have a third reference I can not start repayment.
I sold my property mortgaged with Freedom Mortgage, with closing scheduled XX/XX/XXXX. I have made three attempts to obtain a payoff statement from Freedom Mortgage - XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX - all of which have been unsuccessful. During my XX/XX/XXXX conversation with Freedom Mortgage, they stated that they will make every attempt to provide the payoff statement on XX/XX/XXXX - which results in a likely delay of scheduled closing. 

Why does it take 17 days to obtain a payoff amount/statement for an existing loan?
I enrolled in the University XXXX XXXX in 2010. They offered a one week trial and if you cancel within the first week you did not have a charge. I attended online and I canceled the program on Friday of the first week by calling the sales person for the University XXXX XXXX. As such, I do not owe them any money. They have now been reporting this bogus tradeline on my credit report and now my employer is giving me a hard time for this {$290.00} debt. They are wrong, their own records will show that I did cancel and did not go back online after the first week.
COMPLAINT : 1. I DO NOT UNDERSTAND WHAT CHASE BANK IS NOW DOING WITH MY CREDIT CARD A : WHAT LAW ALLOWS CHASE TO INCREASE MY CREDIT CARD RATE TO 25.24 %. THIS IS ABUSIVE AND USURY. 
B ; HOW CAN CHASE AND ALL BANKS GET MONEY FROM WE THE PEOPLE AT 1 % OR LESS AND THEN CHARGE OVER XXXX XXXX IN XXXX, XXXX XXXX IN XXXX XXXX 25.24 %. THIS IS USURY. MY RATE SHOULD BE XXXX OR LOWER AS MY OTHER CARDS C : AS YOU KNOW, THE SECRET TO USING ANY BANKS MONEY IS NOT TO HAVE A BALANCE. FOR OVER 2 YEARS, I HAVE HAD NO BALANCE AND CHASE IS GETTING NOTHING FOR ME. 
D ; MY CONCERN IS THE MILLIONS OF ELDERLY IN XXXX XXXX COUNTY WHO ARE BEING ABUSED BY THE BANKING SYSTEM. 
PLEASE ADVISE MY RIGHTS? 
CHASE IS TELLING ME. 
XXXX XXXX, YOU HAVE NO CONSUMER BILL OF RIGHTS. 
NO ONE CAN REGULATE XXXX AND WE CAN CHARGE WHATEVER WE WANT
I sent a previous complaint on Western Union. I now tried to submit yet another transaction and have been denied again. I now have to call again and go through the same frustrating process that should have been resolved with my previous transaction. this is so frustrating to be overseas and subjected to this kind of services from Western Union. Please publish this and my previous complaint. may it will prevent other military members/veterans from going through this misery.
I contacted Capital One at the end of XX/XX/XXXX, beginning of XX/XX/XXXX in an attempt to do an extension on my XX/XX/XXXX car payment, due to some extra expenses. The extension was denied, however nobody was able to explain to me why or what are the requirements to obtain one in the event that I need it in the future. All they could say was that " the system '' did not show it as an option ; that " the system '' makes the decision based on my " account status '' ... but were unable to provide what information is fed to the system in order for it to produce said results. As an XXXX XXXX XXXX I was left feeling that the denial is due to a fear from the lender of being unable to repay due to my race, sex and relationship status.
this collector called my XXXX mother 's house after XXXX and scared her. He would not say who he was or why he was looking for me. I have not lived with my mother for over 25 years. This company has also called my work. I have told them not to call me again, and it was after I told them not to call my work, that they called my mother.
I submitted a Qualified Written Request to my " loan servicer '' ( Bayview Loan ), it was signed for on XXXX XXXX, XXXX and I have NOT even received a written " acknowledgement '' of receipt and I am nearing the 30 day limitations under which they have to provide the requested information. It was clearly directed to the person stated in the letter they sent to me, who seems not to exist. I understand there is now a {$2000.00} penalty for default upon this action and that 's not even to mention the fact my loan was predatory from inception, I was extorted more than {$44000.00} by the previous servicer ( XXXX in XXXX of XXXX when they ceased to exist as of XXXX XXXX, XXXX ) and was not even the actual servicer. The XXXX documents that accompanied the Notice of Foreclosure were filed on the exact same day, forged 8 months AFTER the loan was sent to yet another servicer ( XXXX ). Upon serving a QWR upon XXXX on XXXX XXXX, XXXX they immediately drafted yet another XXXX document- the author of which is currently serving time in CA for white collar crime and was completely Robo-signed on XXXX XXXX, XXXX. XXXX subsequently withdrew the foreclosure ( through XXXX, XXXX, XXXX ) and I was later transferred to a company called Bayview, which I had never hear from or of, yet they now sent statements. What should I do? My thoughts are to file a Quiet Title and recoup the damages for erroneous billing ( I was paying the wrong mortgage company for 10 months before I was notified via a " post it note '' on my monthly auto-check, that I was sold to XXXX, it was never late, nor properly accounted for hence my paying in excess of {$44000.00} via the " Foreclosure Mill '' XXXX, XXXX XXXX XXXX in CT - payable to a " deceased entity ( XXXX ). I have been completely defrauded, been subjected to severe distress, financial burden, lies, forged documents and essentially been a rag-doll for the XXXX largest foreclosure mills ( both of which have been under investigation by the CT AG ). My credit has been destroyed by this aside from having broken my back in XXXX of XXXX. I have done everything I feel I can at this point. Can and how do I file a claim for failure to respond to my QWR by Bayview and take further action. I am now on XXXX and am of limited means. I love my family home of 40 years, but these banksters must be stopped!!!!!!
As a single mother of XXXX children, over the past 15 years, I have maintained to the best of my ability and income to keep my mortgage current. When my child support ended per our agreement, I experienced other hardships and I began losing hours and overtime pay at work, it became more difficult to keep current. Over the last couple of years my mortgage has been with Chase. I contacted them and requested assistance and to modify my loan payment to bi monthly to make it easier. They refused and when I submitted my documents for modification they only reduced my payment by {$40.00}. I also asked to have the PMI removed and again they refused. Now they sold my mortgage to XXXX and this company is immediately instituting the foreclosure process after I told them the house has been on the market for a year and I am willing to do a short sale.
I opened this account around XXXX 2016. Ever since I have had the account I have had nothing but issues. When I first opened the account, they ended up opening a secondary checking account without my permission. The account I wanted to be open was being activated correctly by Citibank ( Citigroup ). I asked them why are XXXX accounts open with different checking account numbers and they did n't know. So I had them close the other account. For the account I wanted activated it took almost a month to get that activated because they kept sending me the old account signature card information to sign ( this is to open the account ) and the account I wanted to be open they kept saying that they have n't received my fax or mail regarding the signature card to sign. I had a direct deposit in the account so I was n't able to access any of my money. It makes it worst when they do n't have any branches within XXXX miles of XXXX XXXX. The next issue was the debit card. I requested to have a debit card sent, but they ended up sending me a debit card for the closed account. So I had to wait another 14 days just to receive that. The other issue was the starter checks. I asked for starter checks and they sent me the checks. This was probably the only thing they did right, however, they ended up charging me for a full box of checks that I never ordered and never received. I had to argue with the representative just to get the charge taken off. The last straw was today on XXXX/XXXX/2016. I find out my account has been suspended for some reason that no. Of the representatives can explain. They did n't notify me, email, or even text. So I am about to wake up to go shopping and to check my balance only to find out the entire account is shut down. I was very upset and told them to close the account for good. I have had nothing but issues with this bank and the customer service department is so rude. It 's like they want to argue about everything and put the blame on me, when it 's them not doing their job. I went to my other local bank and told them to stop payment on everything and changed my checking account so they would n't have any crazy charges or transfers from my account. Also, another thing that bothered me was that they held transactions for almost two weeks and when something is done processing and closed, they will reopen that transaction a week later just to see if I have a big charge to make things go negative. Well that happen with a check I wrote and the representative told me they would not charge the account a overdraft fee if I deposit money by check. Well I deposited money by check and was still charged a fee. Citibank even created issues with my car rental company. I had paid off the vehicle and they took the {$370.00} out, but they kept saying there was n't any funds in the account but I had {$700.00} dollars. They held that payment for a long time. Worst bank, worst policy, and by far the worst customer service I have ever experienced from any company.
I filed a complaint on XXXX/XXXX/XXXX and have progressed up to the following steps. 1, I have been given complaint number XXXX - XXXX. 2. My complaint had been received by CFPB and CITIBANK N.A. XXXX. 3. CITIBANK had submitted their response to CFPB and me 4. I have completed draft of my Feedback for The Company 's Response. However when I was sending it using the field in CFPB form, i.e. before I copy paste my draft all of a sudden the system was closed and so my complaint was closed. 

Iam now requesting a repeat for me to submit my Feedback for the same complaint I filed in XXXX - XXXX