WillisBack/dataset-financial-user-claim huggingface dataset:
I deposited a check to my Wells Fargo checking account for {$8900.00} on XXXX XXXX, 2016. The check was written by my sister on her XXXX checking account. The check was processed and the funds were withdrawn from the XXXX account on XXXX XXXX 2016. I have a copy of the processed check. Wells Fargo sent me a message to my online account the the funds were being held until XXXX XXXX, 2016 due to a bad signature. I was told by a customer service rep over the phone and also by my branch manager ( in person ) that the funds were being held because there were not enough funds in the XXXX account account. XXXX different phone service reps told me that the branch has the discretion to release the funds and the branch manager told me that there was nothing that she could do since the system put a hold on the check. I would like to know if I have any options to get my funds released and if this is a legal practice.
My mortgage on my home in the state of Illinois was discharged via Chapter XXXX, the lender at the time was XXXX XXXX XXXX. I never reaffirmed the home, I have received a loan modification, XXXX to be exact but NEVER reaffirmed or refinanced the mortgage loan. On my credit report is has always showed a closed real estate account with a XXXX balance due to the debt being discharged in the bankruptcy. My husband and I divorced, I managethe home as a rental property, the mortgage is not current due to a problem paying tenant. the home mortgage has been sold to Ditech Financial in recent months, they have began reporting this on my credit report and I have not refinanced or reaffirmed the mortgage with them either so how is this possible? This is truly damaging my credit and I would like it removed. I tried to get a modification through DITECH and was denied, I asked for a repayment plan but what they offered was ridiculous for my situation, they asked for {$1000.00} a month in addition to the current mortgage and so I am in the process of either doing a short sale, deed in lieu or simply walking away. Since technically I am not liable for this debt any longer as a result of the CHAPTER XXXX, this should not be reporting on my credit.
They call every day. They ask for XXXX XXXX. They say it 's an attempt to collect a debt. They say if you are not XXXX XXXX, hang up and call this number. I called the number a year ago asking them to stop calling me. They agreed to stop, but I am still getting calls daily.
INNOVATIVE RECOVERY HAS HARASSED ME FOR YEARS FOR SOMETHING I DO NOT OWE.
I've sent my regular monthly payment into my mortgage of {$1200.00} dollars all of last year, but Ocwen Loan Servicing stopped receiving my payment as of XXXX, 2017. I have been in contact with the company and have submitted numerous requests for an understanding of why they are not accepting anymore of my payments, and why after a number of requests for an loan repayment plan, they keep turning me down, despite a change in my income.
equifax, XXXX, and XXXX has not sent my credit report ftc violation trying to fix the inaccurate information on credit report
This letter is in response to numerous phone calls with Amazon Store Card and the Synchrony SCRA department concerning the end of my XXXX protection underneath the SCRA guidelines. The most recent was Friday XX/XX/XXXX, with their SCRA department. 

After I advised their office XX/XX/XXXX that I was retiring and was allowed 180 days of further protection I was informed that my interest rates would increase in regards to all XXXX accounts you currently hold for me but I could request a decrease and revaluation of my credit to possibly get a lower rate ; I was also told by Amazon Store card and the SCRA department via numerous calls that the interest rate would ONLY increase for NEW purchases not my existing balance. I have since discovered that my and Amazon cards have started charging me the higher rates on my prior balance which conflicts with what I was told. When I spoke with SCRA on Friday they yet again informed me of requesting a review of my credit reports to possibly get a lower interest rate. 
The company has been amazing with help since GE Money bank to current Synchrony excluding these XXXX MAJOR issues. I expect and was told that prior balances would be exempt from the higher rates unless I made new purchases which I have not. Please correct this issue ASAP and refund me the erroneous and inflated rates. I have always been on time and generally pay in excess of my due amount. An average increase of XXXX % increase is insane and unjust.
In XXXX and XXXX I requested a copy of my credit files from each of the bureaus so that I could check my credit after an issue was brought to light by the IRS concerning a judgment which is a result of Identity theft. On checking my reports I noticed that there is a vehicle loan with a company called Ally Financial which is in default and that i am not familiar with. I need to validate this account. Please ask the company to forward via CFPB all verification documents used to open this account ; signed contractual agreement ; and Identification used to authenticate the account holder so that i can verify this debt.
I have submitted countless verification letters to Experian and XXXX in reference to medical accounts reporting on behalf of XXXX/ XXXX XXXX XXXX. Not only have they failed to comply in providing the requested verification documents ; once I followed up with a request of their method of verification Which allots them 15 days to respond .... this was failed on their end as well. They simply sent back notice if " verified ''. This is unacceptable and not in compliance according to the FCRA. Furthermore I have never released any if my medical information to this reporting third party ; so this may very well place these companies in violation of the HIPPA Act as well. I would like these accounts removed Immediately based on these violations.
I opened a secured credit card with XXXX in 2015 with limit of {$200.00} dollars. The credit card mail me back the deposit of {$200.00} and make my credit card unsecured. The problem is how I can use a credit card with {$200.00} dollars limit without be lower than 30 %? I travel a lot internationally. My income is very higher and I have 7y history of credit report and excellent score.
Back in  XXXX   XXXX , I asked Bank of America to close  XXXX  of my Traditional IRA CDs & reinvest them to a Traditional IRA Money Market accounts. I have never taken the money out of the bank. So these are not rollover transactions.     But the Bank of America agent wrongly reported the transactions as premature early distribution under  XXXX  and also as rollovers. As a result,  BOA report ed these transactions to IRS as  XXXX  Rollovers & sent me  XXXX  (  XXXX  )  XXXX  which would have gotten me penalized by IRS for having  XXXX  Rollovers in a year. Which in fact, there was no Rollover transaction at all.     On  XXXX   XXXX ,  XXXX  My wife & I went to the Bank of America branch on  XXXX   XXXX ,  XXXX  to file a complaint, but instead of correcting their mistake, they insisted that they did nothing wrong. Even the bank  manager  thought so. We spent hours at that branch arguing back & forth to no avail. We were very exhausted, wasting our time & energy trying to tell them what they did wrong. They blamed us for signing the paperwork, that meant we 've agreed on the way they did the transactions. But we are customers who got no training on how to do the banking transactions. These bank employees were supposed to know how to do their business. It 's their job! But what happened shows th at BOA did not train their  employees properly, make them incompetent to do the regular banking business transactions.     We were devastated & did n't know what to do. We were so scared to file the   XXXX   taxes because we know if we filed, IRS would audit our tax return. Up to today, we have n't filed our   XXXX   taxes, both the  Federal & CA. T his has caused us a lot of stress, we were never late to file our taxes before this incident. To make the matter worse, CA  XXXX  recently sent a letter that we have to file   XXXX   tax return by  XXXX   XXXX ,  XXXX , or they will take a legal action.
I have been scammed by a company called " The Student Loan Help Center '', based in Florida. This company offered to consolidate my federal student loans for a {$990.00} fee, promising that I would be eligible for loan forgiveness after consolidation through a program implemented by the Obama administration. Unfortunately, I was unaware that federal student loan consolidation i s FREE. This was the second company that offered me the same solution, so I thought it had to be  legitimate. The other company offering a similar scam is called "  XXXX   XXXX    XXXX   '', based in California. Unfortunately, I gave " The Student Loan Help Center '' {$160.00} to consolidate my student loans. When I found out it was a scam, I cancelled my loan consolidation and credit card so they can not take any more money from me. But so far, I am unable to get a refund. Every time I call I get held for hours or transferred to a voicemail. These companies need to be stopped! They are preying on burdened graduates who struggle to pay their student loans.
I got an email from capital one saying that I should use my credit card or else they would close it because it was not being used. So, I promptly went ahead and used the card when I went to fill up gas. I had not used the card in a bit as I had lost it while moving and never seen it since. I had also gone into a branch in the interim and they had promised me that they had sent out a card. 

I went to the grocery store today, and my card did not work! On the screen came up something that said DO NOT HONOUR. I was really embarrassed and felt like a criminal. 


Then I called in tonight ( XX/XX/XXXX ) andt he reo said my card d d not work because I had missed a payment which was of course not true. After being questioned over it, the rep admitted hat it probably had nothing to do with that and said the card was closed due to inactivity.
I have no knowledge of said debt and I would like it removed as it is reporting negatively to the credit bureaus and causing catastrophic damage to my credit report and financial freedom.
I just became aware of an account that was added to my credit report. I have no knowledge of this account. I never received any correspondence from this company stating that I owe any money.
Recently Bank of America reported account # XXXX to my credit report as a negative around XX/XX/XXXX with an open date of XX/XX/XXXX. At the time this account was opened I was a student in XXXX. I was not legally able to open debt at the time. I have never opened up a credit card with Bank of America. This account is not mine and I strongly believe is being reported in error.
A few weeks past I received an offer letter from Quicken loans in regards to the VA XXXX refinance program with interest rates that were at 3.25 %. I am always interested in getting a better rate to lower payments and long term savings so so I called expressing interest and to see if I could get some information on costs and timing. I spoke with XXXX of their mortgage bankers and after discussing the program he informed me he would do the credit check and call me back with the details. I received the call back after about 30 minutes and the banker told me that he found a much better program and it was the best option with the best rate however it was not the streamline loan I sought after and now I would have to pay for an appraisal fee and some others which was not required with the streamline. With Quicken being a large and reputable company I proceeded but with caution expressing my concern for the low breakeven payback and high costs of the loan. The banker ensured me that he used " conservative '' safe numbers for the loan that were high and that these high costs would come down once I received the final loan statement when we were ready for closing. ****The catch here is that I had to pay {$400.00} for the appraisal fee in order to get this rate lock that he stated would probably not hold and I had to do it now. This is my grievance and where I feel he was being dishonest. I was told that the {$400.00} would be returned to me at closing in the form of a credit so it essentially was not a cost to me at all but what I eventually learned was that they use this so that the loanee now has invested in this process with them and use it to make sure that potential buyers do not either change their mind on doing the loan or speak with other mortgage companies. In conclusion I had to pay {$400.00} for the appraisal, {$75.00} for the pest inspection and {$140.00} for a water test that I did not need and when the final loan papers came in when we were ready for closing the costs did not go down as Quicken had promised they would. At this point it did not make sense to complete the process as the investment was too high and any payback period had now doubled. I reached out to Quicken to go over this and in their attempt to resolve they actually made an offer to charge me even more for the loan by doing a 15year instead of the 30year we had been working on. In frustration I felt it was maybe necessary to do what I should have done before which is talk to other lenders about costs and rates and this is where I quickly learned where I had been misled. In summary I ended up getting the same loan I had initially asked for from another lender for about {$2300.00} less that what they were charging. They used the appraisal charge as a lock on me and had no intention of trying to resolve the issues. They then use another group to push an aggressive closing date to quickly get their money. I feel that others need to be warned about Quicken Loans about their tactics especially since they are using VA programs that are supposed to benefit veterans.
I applied for a loan for an ATV with XXXX XXXX XXXX XXXX in XXXX XXXX  and XXXX. They passed my credit app to Lendmark Financial. After I submitted Income and my buyers order they said they would get back to me. My first complaint is that XXXX XXXX, the rep I was dealing with could not explain the disconnect on the total price and debt to income disconnect. Turns out she was adding in a {$1500.00} warranty and all of Lendmark 's ancillary products without asking. I had to press her on this and she reluctantly removed them. She could then not explain why I did not qualify with the new payment amount. She stated I was 55.6 % DTI. She clearly stated that 55 % is there max which in the finance world is everything 55 %, not a decimal more. Her numbers were wrong. I did the math and I was at 54-53 %. She was flat out lying, trying to make room for add ons. When they actually received my income it was even more than expected and I qualified in every regard. She then called me back and said that I didn't qualify because I had some credit card accounts that have been paid through a credit consolidation company for over 2+ years. I have never once missed a payment on any bureau. I searched their website, and terms and found no explanation stating that was a reason for denial. Furthermore the consolidation company excludes major installment purchases in their terms. This is a flat our way to discriminate against a qualified applicant.
Banks, Such As Chase And   XXXX   XXXX   Charge Fees For Using A CheckCard, Commonly Known Today As The Debit Card, When A Consumer Pays Their Mortgage, And Charged Me For 2 Decades, Until I Paid My Mortgage Off. The Fees Were From About  XXXX - XXXX - Through To About  XXXX .
The Federal Banking Institution Does Not Charge For Checks, And The CheckCard Was Guaranteed And Introduced As An Automated Check, With Promise Of No Fee, And Benefitted The Payer Who Received Immediate Funds, No Differently Then The Process That Introduced Handwritten Check, As Fee Free.
Having My Original Checkcard, In A Significant Place Of Upper Right Corner It Says Check Card And In Smaller Words, Lower Left, It States Debit Card ... .For Accounting Purposes, It Debits Your Checking Account
This was paid same month due!!!!! Never received info from doctor 's billing correction. This was submitted one year ago as to their error! Please correct this inaccuracy immediately!!!!
I have tried to get my free annual report or to buy one from Equifax numerous times. Their identifying information questions contain information that does not apply to me ( what mortgage do I have, what is the monthly payment, do I have any of several credit cards that I do not have, etc ). When I answer these accurately " Not applicable '' it says I have entered incorrect information. When I try calling them they do the same thing - the information they are looking for is incorrect so it is impossible for me to access my report. I have never had a mortgage, car financing, department store credit or any of the other things they insist I have and want me to identify.
XXXX XXXX  reported me as being late for account number XXXX for several months when I was advised that I would not be reported late. I had a death in the family and keep XXXX XXXX   up to date with everything. They told me that they would remove these late payments but they haven't.
XX/XX/XXXX I received a notice from Chase that my escrow balance was short {$530.00}. They gave XXXX options of how to pay it. XXXX was to do nothing and my new mortgage payment would be {$1100.00} So I paid {$1100.00}. What I failed to notice was that the new payment did not start until XX/XX/XXXX. After lots of time on the phone with Chase, we discovered that they applied my XXXX mortgage payment of {$1100.00} to my escrow shortage and did not give me credit for my XXXX payment. They are saying now that I am behind on my payments and I owe! 0 months of late fees. I have made every payment and I have made them on time. In XX/XX/XXXX my mortgage payment was {$1100.00} so they would not credit my mortgage payment because they said it was short.
I have a credit card with Lowe 's. I received my bill due XX/XX/XXXX that included a regular purchase I made for {$120.00} along with a remaining balance on a promotional amount of {$190.00} ( due in full by XX/XX/2016 ). I made an on time payment of {$150.00} through their automated system. I recently received my statement that is due on XX/XX/XXXX and I notice an interest charge for XXXX. I did n't understand why this had occurred considering the payment I made covered the purchase of {$120.00} and the minimum payment of {$25.00}. I contacted Lowe 's credit card on XX/XX/2016 and the agent told me that the interest was charged to my account because it applied the bulk of my payment to the promotional amount since it was coming up on its maturity. I explained to the agent that it should be applied to the charge that would be assessed the interest first which would have been my regular purchase not my promotional amount. She disagreed and said it was a system decision. Unfortunately, the system is wrong in choosing how I want my payment applied. She informed me that I would have had to call back to tell an agent how I wanted my payment allocated. This is absurd to assume the payment would be applied this way and very sneaky on their part. I also noticed this must have happy at some other point this year and I did n't catch it. They charged me {$1.00} at some point assuming for the same thing. This is criminal. If I do n't pay the promotional amount by the payoff date then I should be charged whatever interest I deserve to be charged. Those are the terms I agreed to. Nothing else. The agent did refund me the {$2.00} interest but I would like the {$1.00} back and for them to change their practices or I will not continue to utilize their card. I have utilized other promotional offers with other companies and nothing like this has happened before.
My mortgage services seterus made a mistake with my county tax escrow account. I received the letter saying my regular payment was gona go from XXXX to XXXX in XXXX. I immediately called and corrected there county tax info they did another escrow analysis. the new payment actually was now XXXX for XXXX.. They refuse to change my payment and say if you do n't pay the amount they will foreclose.
Capital One retaliated because of cancelation ... they recieved the XXXX that was owed them on time, but are trying to say it was late, and that now {$50.00} is owed
I received my card and the first statement closed a few days later, which included the annual fee, which I paid. Then the first month I tried using the card and at every transaction the card would be blocked with a fraud hold, so I 'd have to call to get it cleared. How annoying!!! Today I tried to use the card and it would n't work again! I received a phone call a few minutes later asking me to call XXXX XXXX XXXX to verify some possibly fraudulent transactions. I called and the person was unable to help me because there is now an access code on my account, so they transferred me to the Fraud Department. The Fraud Department claimed that they could not verify the possibly fraudulent transactions because somebody is reviewing my account. They said they did n't know how long the review could take and it could be indefinite. This is getting ridiculous! I have never had a credit card that is so hard to use! It 's like work using this card and I 'm beginning to doubt that it 'll ever work! The customer experience and customer service from this bank is horrendous! I 've never dealt with such a horrible company!
On XX/XX/2018, I used my Bank of America Arizona XXXX card to pay for my car repairs to XXXX XXXX-they did not fix my car 's overheating problem that day on XX/XX/2018 or at any other time. XXXX XXXX charged me {$100.00}. After I paid $ XXXX and drove down the street, my car still over heated to the max. I drove back immediately to XXXX XXXX and complained to the owner that he did not fix the overheating in my car that I paid {$100.00} for on my Bank of America pre paid card for XXXX in Arizona. -and need to refund me now. Owner did not. This is consumer fraud by both XXXX XXXX XXXX and Bank of America. 
I filed a dispute with Bank of America right away. I got one opinion letter and a second from the car dealer upon trade in that my car was overheating XX/XX/2018 and faxed both to Bank of America disputes. 
All Bank of America disputes wanted was a second opinion letter. I faxed that letter and they received it. Bank of America said I had to wait 45 days.

Today, Bank of America on the phone told me, I have to have a letter from XXXX XXXX that my car was inspected. I would be charged again. Bank of America 's denial is an abuse of decretion, capricious and arbitrary.. Bank of America did not tell me that in the beginning. I traded my car in for it was inoperable and not safe. 
They are insured. I want my {$100.00} credited to my XXXX XXXX card now.
I applied for a Bank of America BankAmericard. I received the card in the mail and activated it. I then tried to use my card at XXXX restaurants and it was declined XXXX times. I called Bank of America and I was told this problem was corrected and all holds or blocks had been removed from the card. I tried to use the card once more and it was declined again that is when I placed my second call to Bank of America and they assured me it was because I was trying to use my card in XXXX and my home address is XXXX I then tried to use my card in XXXX and it was declined again for the XXXX and XXXX time. I called again and spoke with a CSR and was told they flagged it as fraud and again told all blocks and hold had been removed from my card. I tried to use the card with the CSR on the line and it was declined again for the XXXX time. The CSR then asked me to hang up and she would give me a call back and I never received a call back. I called again on XXXX/XXXX/2016 and spoke with someone named XXXX in the Fraud Department he told me that he had the ability to see more of my account than the CSR did and he said the card had been reset and was ready to use. I tried to use the card after this and it was declined for the XXXX time. I have called Bank of America 6 times and have not gotten a resolution to my card being declined.