WillisBack/dataset-financial-user-claim huggingface dataset:
I tried to sign up with XXXX using my Capital One bank account and was advised by XXXX that the bank is blocking me from accessing my financial data.
Regions Bank continues to charge my account for overdrafts when the funds are available. If there are enough funds for the charge but, others are pending they charge my account leaving it negative by less than what the NSF charges are. They are unethical when it comes to the fees.
I have received this bill from XXXX XXXX XXXX XXXX ON XX/XX/18. I have no idea who they are collecting for as I have not received a bill. I am XXXX years old and my mom usually handles things like this. I called them and she only told me that It was for an emergency room visit in XXXX. i told her that I had not received any bills or my mom would have told me.I then notified her that I was in an accident and did visit two emergency rooms I believe. However, I had insurance and I was fully covered. I then provided her with my XXXX XXXX XXXX Information from my card which stated that the Coverage began XX/XX/2018. She took the insurance information and then asked how would I like to make the payment. I said why would I male a payment when I was covered? That is what insurance is for I said. She then said well, you could pay the balance and then let your insurance reimburse you. I told her, why don't you pay it and let the insurance reimburse you? She then said that we will not be contacting you again about the debt. I told her I did not say not to contact me. I want to make sure that it is taken care of. I asked her was she going to contact the insurance company. She said yes. I asked her would I receive some kind of confirmation that this had been resolved. She could not assure me that I would. I then told her that I have already mailed a certified letter to the address on the letter. I have submitted the bill to XXXX XXXX XXXX. I also told her that I would be submitting a complaint with the CFPB.
I am fairly new to the wire transfer business. 

I am using an online bank XXXX. I set up a MoneyGram and they rejected my banking information and accepted the debit Visa card as payment for {$250.00}. While with the bank account would have cost {$10.00}. By using the debit card it cost me {$25.00}. 

They processed the wire with the debit card. I contacted the bank and asked why there was a problem and they stated that certain merchants don recognize the bank. 

I filed a complaint because it cost me an additional {$15.00} and I wanted a refund, after all it was the same bank. 

Then I received an email that my transaction was cancelled. And I call and they refused to tell me the reason. 

Now they are holding my money for 3-10 business days and this is unacceptable since I wired the funds to settle a debt and now that person is left hanging and I do not have additional funds to send the money through another means. They should have disclosed this information before I processed the payment. 

Stating that it is a security issue is evasive because it is a small amount of money. There is no reason for them to cancel the payment or close my account with no further explanation or immediately returning my money.
Before moving to XXXX XXXX in XXXX of 2012, I opened an checking account with Citibank in XXXX XXXX XXXX near my home. I opened this account because they convinced me that I would be able to use my XXXX account at ATMs in XXXX and elsewhere in XXXX. I deposited {$1000.00}. I moved soon after so never received a statement but I did receive an ATM card which I still have. I also have had a Citibank XXXX which I still use. 

I was not able to use the ATM card as they promised, in XXXX nor in XXXX where I now live. But when I attempted to link my Citibank XXXX to my checking account ATM, my phone conversation with a Citibank representative informed me that they had no record of my account ever existing. All I had was my ATM card number but I was never given a statement so I had no account number. They had no record of my account number even though they had issued the ATM card attached to the account. 

I traveled to the XXXX last XXXX and went to the same XXXX XXXX branch. The customer service manager named " XXXX '' first check the XXXX Found Money database to see if my money had been returned to the state, but it had not. She saw my ATM card number and said that they had paper records in the back room that they could go through, and would give me a call. I never received a call before I had to return to XXXX. I have tried calling the branch on numerous occasions but calls there are always forwarded to Citibank corporate, and they have no way yo connect me back to the customer service manager I met at the branch. So my money is gone and they have given me no recourse.
In   XXXX   I went to the hospital near where I live in  XXXX  Connecticut I sat there for two hours they did nothing for me I left that hospital proceeded to go to another hospital where I actually receive treatment they claim I owe them {$85.00} for taking my name I am not going to pay it I am getting harassing calls all day long every single day the phone numbers come up with different names different states today 's came up as  XXXX   XXXX  I 've repeatedly told him I will not be paying this and they continue to harass me everyday everyday
Discover has bill me and I've never had an account with them. The company is unable to find said account with my information and says the credit companies have to contact Discover to resolve the issue. However when I tried to issue a complaint I was unable to give an account number since I've never had an account. So, I told they can't do anything without an account number. How then can this be resolved since the company can't identify me with my name, address, and full social security number. They only continue to contact me by my telephone number. I can't send any documents because I only have this account showing on my credit report without any explanation as to how it got there and where did Discover get my telephone number, name and nothing else.
I previously contacted Transunion regarding this account they have never resolved the issue after being provided proof. This account was forwarded to a collection agency. XXXX XXXX states that I owe XXXX this account does not belong to me.
Since  XXXX  -- -- - I have had savings and a money market accounts at the Citibank, which I opened on  XXXX , Florida. On  XXXX / XXXX / 2016  some unknown person requested at a New York Citibank agency a temporal ATM card. Surprisingly the ATM was given to him, which is against the rules because the bank sends the cards only to the clients registered address. With that card that person obtained a new pin and withdrew, using an ATM machine, {$1400.00} and {$100.00}. Later he withdrew {$9700.00} from inside the Agency. At the time of these fraudulent withdrawals I was in  XXXX , as it could be verified by checking my passport. On  XXXX / XXXX /   2016  the bank returned to my account the money that had been stolen by ATM, but they did not want to return the {$9700.00} that had been withdrawn at the ticket window, adducing that the money had been withdrawn using a debit card. In spite that I sent a legalized statement they never justified on writing the reasons for their denial. I enclose a complete description of this scam I have been a victim from.
I 'm filling a complaint against bank of America I had some temporary credits issued to my bank account because of a problem with my cell phone provider and they were not able to resolve my dispute and had to reverse the temporary credits on XXXX XXXX 2017 and I called them a week before asking them to give me an extension till the XX/XX/XXXX which is when I get paid I get paid every 2 weeks from my employer and I usually need this money to survive on again I asked them to extend things to the XX/XX/XXXX and then on Friday XX/XX/XXXX I went to go have some lunch and went to pay with my card since I had just got paid only to have it be declined I looked at my account online and saw that money was taken out by bank of America for the temporary credit reversal I called them and they told me that my extension had been denied so I asked them to return the money cause again I need that to survive on for 2 weeks until my next payday I was never notified of the denial they lead me to believe that it went through I want bank of America to return what they basically stole from me I make very little from my employer I want this agency to help me out and since I 'm from Massachusetts and yes which is represented by senator XXXX XXXX the founder of this agency I figured they can help me out
I have been with  XXXX   XXXX , now  Navient,  since I entered  XXXX   XXXX  at  XXXX   XXXX   XXXX   XXXX   XXXX  in  XXXX . I have been on a payment plan of {$1000.00} per month, but have been notifiied in a phone call In  XXXX  that I have had much more in interest applied to my balance than principal and that my interest rate would be 18 % in  XXXX . I apparently, after 20 years, still have a balance of over {$150000.00}. I did indeed have a forebearance/limited payment from a  XXXX   XXXX   XXXX  ' Degree I got  in  XX/XX/XXXX  from  XXXX  University, but that does not explain the exorbitant interest pending next year or the amount applied to principal being so much less than the amount applied to interest. I request the CFPBs assistance in settling this matter. I was told that summaries of my account-to-date information would be on my site, but have not been able to get access. Seems to be rejecting password and user IDs after several attempts. I would suggest that the CFPB contact Navient and request access itself.
On XX/XX/XXXX, I was trying a purchase a handbag on an application " XXXX '' which is XXXX $ .We contact by mobile texting. The seller said in order to waive the selling fee of XXXX, she suggest me to send her money through XXXX, so the price will be cheaper, which will be XXXX . I pay her XXXX $ on XXXX as reserved fee and begin send her money via XXXX of my bank - PNC. I send her XXXX $ total in two days ( XXXX $ on XX/XX/XXXX and XXXX $ + XXXX $ on XX/XX/XXXX ) via XXXX and XXXX $ via XXXX ( on XX/XX/XXXX ). After I finished all my transactions, She begin to claim that she never receive that XXXX $ fund. But after I called customer service, the agent said it is already completed. What made me find out she is a scammer and I start to file disputes and make police report. The XXXX $ reserved fee is covered by XXXX and that XXXX $ through XXXX charged back via dispute successfully. But neither police, PNC, or XXXX  willing to help on that XXXX $ transaction. My bank denied those 3 disputes without asking further documentation and police said they can't file a out-of-state criminal charge. That scammer is still selling bags on XXXX. I tried to contact her to send me XXXX $ back and she said she will do it but til now, I still get noting. I do have few more screen shot of our whole texting, but it's too large to be upload. So I choice 3 pictures of transactions and a business card of the police including the report #.
The following inquires are on my three credit reports and I did n't authorize them to pull my credit. Please remove them as soon as possible. 

XXXX XXXX requested your credit report on XXXX XXXX, XXXX. 
XXXX XXXX XXXX Credit Card was opened on XXXX XXXX, XXXX XXXX Credit Card was opened on XXXX XXXX, XXXX. 
XXXX XXXX Credit Card was opened on XXXX XXXX, XXXX .New Inquiry - XXXX
I am filing a compliant agains t Automobile Acceptance  (  XXXX   XXXX   XXXX ,  XXXX , GA  XXXX  ), because I have settled in full a title loan with this company and their attorney  XXXX ,  XXXX   XXXX   XXXX ,  XXXX  (  XXXX   XXXX   XXXX   XXXX , GA  XXXX  ). on   XX/XX/XXXX  f or account  XXXX  in the amount of  XXXX . Automobile Acceptance has reported and continue to report to credit bureaus   XXXX     &  XXXX  that I have an account  XXXX  as a single pay loan, duration term 1 month, last payment   XX/XX/XXXX , an d payment  XXXX  a month ... all this information is incorrect, I never signed or applied for loan with them for the info listed above, the account I had  XXXX  was correct and settled, it is my belief that this company is reporting the balance after settlement. I have submitted several disputes to the credit bureaus to have this information verified and to be removed, and it still remains.
Wells Fargo published false and derogatory in formation about me when reporting to credit agencies. I wrote to them and they replied telling me the apologized and had corrected the issue. However, my credit report again shows they published new information with additional false claims. How can I get them to stop this defamation permanently?
About inspection fee. I called bank of America to let them know that I will be late on my payment before the due date about XXXX days before they should send any body to inspect my home. But they charge me for that which is not right. If I did not call they can charge me but I called already, they should not send any one to inspect my property.
i checked my credit report for XXXX and XXXX and i see a KAY JEWELERS account that says " OPEN '' in XXXX XXXX, 2013 i just want it disputed for both bureaus bc i dont wan tit to keep saying is OPEN when i dont have an account at all
I received XXXX letters from XXXX XXXX dated XX/XX/XXXX regarding account ending in XXXX. 
The XXXX letter Dated XX/XX/XXXX stated they correctly reported the first date account ending in XXXX became deliquent was XX/XX/XXXX. 
The XXXX letter Dated XX/XX/XXXX stated they correctly reported the first date account ending in XXXX became deliquent was XX/XX/XXXX. 

On XX/XX/XXXX aprx XXXX. I called XXXX XXXX at XXXX. 
Customer Service Rep XXXX Stated he was not able to verify any old statements on account ending XXXX. He stated he could not tell me or verify the date of first delinquency. He stated he did not have this information and had no previous statements on this account to provide me with the information regarding this accountI believe that XXXX XXXX does not have sufficient information to verify this account
Chase has caused so many delays for me getting the repairs of my home done. Last complaint I filed with CFPB Chase said when the 75 % inspection was complete the next installment of fund for repairs would be sent. The 75 % inspection report was complete on XXXX Chase 's policy is that funds will be send 4 business days. XXXX XXXX was the 4 business days and as of today XXXX XXXX no payment has been sent. I did ask all correspondence to be in writing from Chase I have emailed them asking when the funds will be send since the 75 % inspection has been completed and my contractor is waiting on funds. Chase replied to my last complaint they would send out fund - but they do n't do what they state they will do.
BofA did not post my payment correctly in XXXX of 2011. This resulted in me being labeled as delinquent. They then posted me as delinquent for the next 8 months as 60-89 days late. They refused to speak with me on the matter. This has had a tremendous negative effect on my credit score.
Nationstar is our mortgage servicer. We had a mortgage from XXXX XXXX XXXX and we were n't informed until after 60 days from the transfer. We had been current with XXXX and had never had any delinquent months since ou purchase. We immediately noticed that our amount owed monthly was different. Nationstar failed to provide any documentation of breakdown in details of " fees ''. 

The current problem is that following my extensive and repeatedly hospitalizations, we became behind XX/XX/XXXX. It was our first time being behind 30 days. Our XXXX/XXXX/16 payment was late 60 days. We were able to catch up a bit and bring it back to 30 days late for the XX/XX/XXXX and XX/XX/XXXX payments. Due to additional hospiatlizations our XX/XX/XXXX payement was 60 days late ( paid on XX/XX/XXXX ). On XX/XX/XXXX we made the XX/XX/XXXX bill. The account showed as pending until after XX/XX/XXXX. XX/XX/XXXX suddenly the payment showed as REVERSED. I called Nationstar to find out why. Their response was there must have been an error on my part with the number. I asked to speak with a supervisor who confirmed that the number had been used before. She asked that I go to bank and 3-way call with them to confirm that the number was our account and they would be able to credit the amount as paid and take the money again. When at the bank, the manager confimed with nationstar rep that account was valid and money was still there.XXXX manager also explained that Nationstar did not attempt to take the money. Nationstar explained that it was nw XX/XX/XXXX and by not having XX/XX/XXXX payment in account it was now 90 days delinquent. XXXX again confirmed funds were in bank and the funds for XXXX I attempted to pay. They told bank manager that funds would not be allowed to be paid to Nationstar. The problem resolution request was sent by rep but would not lkely be addressed until XX/XX/XXXX. In the meantime they refuse any payment. This would make it 120 days late. 

So by reversing payment in XX/XX/XXXX, they have caused t to be 90 days late. And then again refusing XX/XX/XXXX would make it 120 days late. And acknowlegeing it would take until XX/XX/XXXX cause it to be 150 days late. 
How can they fraudulently cause a delinquency?? 
Also all the funds I pay each month over what is owed to be applied to principal and " fees '' has never been applied. They even reversed escow funds out of that I have paid. 
They now say that because the XX/XX/XXXX payment was n't credited they have moved case to foreclosure!!! They will not speak with XXXX or myself further.
I am a recent victim of identity theft. I received my XXXX letter in the mail giving me access to a free credit report to check for any additional fraudulent information. I identified an address that was not mine. I do not live there, nor have I ever lived there. I disputed the information and XXXX got it removed successfully, no problems. Then, I went to Transunion and pulled my credit report and found the same information. I tried to start the dispute process online, but when I did the second address was not listed as something I could dispute. I called Transunion at that point to speak to a representative. The representative was extremely rude, insulted my intelligence, and was unable to help. I sent an email to their customer service, and was told to call the same number again. So, I called today and the representative, again, did not believe me that there was another address. He told me to call back when I was in front of a computer because he did not believe me that I was looking at the TRANSUNION website ( again, insulting my intelligence ). I followed his instructions, called back when I was home, with the credit report in front of me. I spoke with a representative who was unable to help and requested he send me to his supervisor. I spoke with his supervisor whose name was XXXX XXXX and he AGAIN insulted my intelligence. He asked me to read him the URL of the website I was on, refresh the web page, etc, to prove I was telling the truth. Every representative I have spoken to has been insensitive, dismissive, and rude. INCLUDING the representative who answered my email with not even one complete sentence and did not offer to help me AT ALL. When I asked to speak to XXXX 's supervisor, he said I would have to speak to the XXXX team who would not be open until tomorrow. I even offered to send him a screenshot of what I am seeing but he just told me to talk to the other team. I am beyond frustrated with Transunion and their rude, insensitive behavior. You would think these representatives would be trained to handle identity theft victims with a little more empathy.
XXXX XXXX XXXX violated 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Original creditor : XXXX XXXX XXXX : XXXX XXXX I had a XXXX account in XX/XX/XXXXwith a credit limit of {$200.00}. The account was used to buy one item, then paid in full and closed by XXXX ( due to extended inactivity ). There is no balance or debt owed whatsoever. 

In XX/XX/XXXX, I ran my credit and found out that XXXX has reported my account as paid and closed. This is all reported correctly on my credit report. 

At the same time ( XX/XX/XXXX ) I also found that XXXX has reported the same account as owing {$580.00}. My original credit limit was only {$200.00} and already reported as paid in full and closed. I, in NO way owe XXXX ANY money, let alone a random amount of {$580.00}. 

I called XXXX 3 times ( XX/XX/XXXX ) and was told every time I called that they will not provide anything to me regarding the collection debt, where it came from, what it is for etc. The also verified that the account I did have is paid in full and closed. They said I had to contact the collection agency ( XXXX XXXX ) to obtain proof of debt. I have called XXXX XXXX, at the same time I contacted XXXX ( XXXX XXXX XXXX XXXX ) and was told that they will not provide anything in writing to me regarding proof of debt. They did however say if I paid the debt in full, or settled the debt with them, they would send a letter saying the debt was satisfied. 

I can not get any assistance in this matter. Neither company will send me proof of any debt they reported I owe, nor will they acknowledge the fact that the same account is claimed twice on my credit report ( One reported as paid/closed and the other is closed/owe {$580.00} ). I want this taken off my report and/or proof of debt sent to me detailing what/where/how this balance is {$580.00}. I also need full account numbers as I have proof of paid in full account.
This is in response to previous complaint XXXX. The issues from this complaint were not addressed. 

1. Denied loan due to " GARNISHMENT, ATTACHMENT, FORECLOSURE, REPOSSESSION, JUDGMENT OR COLLECTION. '' I do not have any of these items on my credit report, nor have I ever. I called XXXX and verified that what is is listed on my credit report is NONE of those items. My credit report states some cards were " being managed by a credit grantor/ financial counseling program. '' A debt management program is VOLUNTARY, not ATTACHMENT! 
2. I was wrongly denied this loan. 
3. On XX/XX/2016 I was called at XXXX by XXXX from the chairman 's office. I returned the call 30 seconds after I recieved the message, and the call did not ring and went straight to XXXX at the chairman 's service voicemail. I have left many many messages, while calling XXXX over and over again, almost every day, for the last two months. I have called corporate numbers, where they have said they will send an email to get someone to call me back. Conveniently, no-one ever does. XXXX XXXX, who provided the response to my original case, has provided me the same number to contact them. I have phone records of all of my attempts to call and reach anyone at this company. 
4. I feel this company is extremely shady, and I will be sending letters to XXXX, the company this iPhone upgrade loan is through, to provide them with this terrible feedback, and taking it further to a lawyer if this company can not provide an appropriate resolution for their wrong doing for over two months now.
Bank of America is aware my account receives deposits every XX/XX/XXXX of the month from the government through the Treasurer Department for XXXX, I had written out two checks ; 1. {$5.00} - XXXX XXXX XXXX   XX/XX/XXXX 2. {$400.00} - XXXX XXXX ( My landlord for rent ) Dated XX/XX/XXXX I had the appropriate funds in my checking account when the checks were issued, however due to having the need for clothes, I made a purchase at XXXX for {$64.00} that unfortunately was budgeted incorrectly and led to an over draft for the written checks.

I spoke with Bank of America and was refused any courtesy refunds, I was notified I had one " valid '' overdraft waived last year in XX/XX/XXXX therefore can not receive another, however Bank of America fails to realize I've banked with them for over 30 years and never abused their policies or took advantage of requesting my fees to be waived.

It's unfortunate this occurred and Bank of American can not provide help to their customers who have been with them for this long.