WillisBack/dataset-financial-user-claim huggingface dataset:
I made a regular home equity payment on XX/XX/2018 using two checks from different accounts. One check was in the amount of {$200.00} and the other was in the amount of {$370.00}. On XX/XX/2018 I received a text alert that one of the accounts was overdrawn. I had to have my daughter transfer funds to the checking account until I returned to research it. I was out of town during this week. After researching it, I discovered that Suntrust processed the payment out of one account not the two that the checks were written on. When I returned on XX/XX/2018, I went to the Suntrust branch that processed the payment and asked them to fix it. The teller said that it was already processed and she couldn't do anything about it. She said their system holds account numbers and that the lady processed it through the incorrect system. I then told her that I was going to call the XXXX number for Suntrust and ask them to fix it. She didn't care. This wasn't the first mistake they made with this account. Many other mistakes have been made since securing this loan. I then went out in the parking lot and called the XXXX number. I spoke with a woman who assured me she could fix it. She then took the correct number of the account that the {$370.00} was to be taken out of and said she would process it and that she wasn't sure if the money could be put back in the other account electronically but if it couldn't we would receive a check. On XX/XX/2018, {$370.00} was debited from the correct account and to date, we haven't received the money back from the incorrect withdrawal. That money was to be used to pay a bill. We don't have the money, nor credit for the extra money on the home equity. Suntrust has the money but we have no record of it being a credit to our account. I called again today and spoke with a gentleman who told me that the complaint kept getting pushed around and that he thinks a check is issued. I told him I was filing a complaint as this money was to be returned to us by now and instead Suntrust took another {$370.00}.
Beginning XX/XX/2018 I begin my dispute process with XXXX, Equifax, XXXX   and XXXX concerning inaccurate and unverified bankruptcy reporting on my credit report maintained under my social security number. FCRA Section 611 ( a ) ( 2 ) requires the Credit Bureaus to contact the original furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this alleged and dismissed bankruptcy. 

Therefore I have filed my FTC Identity Theft Report, and 605 B statement ( attached ) and mailed certified affidavits as notice of the guidelines of the Fair Credit Reporting Act has been violated as it relates to my credit file, according to the 15 U.S.C. 1681 2 ( b ) obligations to investigate. 

I requested validation of all data for this Bankruptcy reporting account, every notation, dates and balances, whether reported or not and errors pertaining to the following Personal Information. Per FCRA 611 ( 15 U.S.C. 1681I ) is required to provide me with a description of the procedure used to determine the accuracy and completeness of this disputed information. After my disputes were received by XXXX, XXXX, Equifax, XXXX, and XXXX XXXX, they are required under 1681i of the FCRA to forward me a dispute verification form to the original furnisher, requiring them to verify the credit information accuracy reporting.
I was online ( AnnualcreditReport.com ) requesting my credit report from all three reporting agencies. I got a message from Experian indicating that I had already received my report - see below. This request today is the first request I have made in over three years. I attempted to contact Experian ( XXXX ) and was routed to a automated system wit no option for speaking with a person. I was able to find another number ( XXXX ) - this is for subscription support. Here I was told the number ( XXXX ... ) was the only way to get in touch with Experian Credit Bureau and I was welcomed to request/access my credit report at freecreditreport.com . 
What I am having a very hard time with is the fact that this company is a " public '' company that sells credit support services and is also supposed to also provide a mandated service to the general public. They are not meeting this mandate! Providing a number that does not facilitate any option for problem resolution is derelict and should be addressed. They can not serve two masters. This is the same agency who dropped my fraud alert statement and refused to update it after I had my identity stolen. I am very concerned that their system is indicating that I have received a report which is not true and I have no way to find out additional information or speak with anyone concerning the matter. However, if I had an account I would have been assisted immediately. What exactly are my consumer rights when it comes to getting the support necessary from theses agencies? 
If my experiences are any indication of how they comply with the mandate they are given then, consumers need protection from Experian! 
Here is the message I received : Annual credit report can not be accessed**Attention! 
Our records indicate that you have already received your free annual credit report from Experian. Would you like to request your free credit report from freecreditreport.com*? *****The XXXX.com report will be in a different format than the XXXX Report, but will contain the same type of credit information and inquiries that a lender or creditor will see when they check your credit. 
You may also purchase a full credit file disclosure on our site for a fee of up to XXXX, which displays all inquiries for your credit report, including inquiries which are not disclosed to creditors. 
XXXX XXXX XXXX
I have filed a dispute two times with Equifax about an error on my credit report, and two times they have claimed that the invalid debt is still active and on my account. I called XXXX XXXX to see why it was still on Equifax 's report, and they told me that the debt was invalid and had been cancelled and that all reporting agencies should reflect that in the report. Equifax continues to not do so, and I have attached an email from a customer care person from XXXX XXXX that states in plain writing that the debt is invalid and should be removed from my report.
Based on my researched. I have file numberous complaints against XXXX XXXX /XXXX XXXX XXXX XXXX. in regards to alleged illegal foreclosure process. I know have a new foreclosure attorney acting on behalf of Bank Of America, Which I never had any contract agreement with Bank of America or listed on my Deed of Trust and Note. So therefore I would like for Bank Of America to show proof of claim that I owed the alleged debt and Also XXXX XXXX XXXX show proof of discovery and legal contractual agreement from there law firm and Bank of America. I never receive Bank Of America mortgage statements in day of my life.
I also show violation of Preditory lending, Truth n Lending and Adjustable Rate Mortgage, RESPA., alleged payments increasing due to loan.
I directly contracted the company, AARGON AGENCY INC XXXX XXXX XXXX XXXX XXXX, NV XXXX and asked that this debt which is showing as a collection on my credit be removed. The original creditor is listed as XXXX XXXX. I have never lived in Nevada, have never had an electric/light bill in NV, and do not owe this money. I've also contact the credit bureaus to dispute this, but they stated that the collection agency reported it as valid and put it back on. At this point, I don't know what to do. I've never owed this money, and I don't want to pay it, but it's negatively impacting my credit score.
When purchased our home in XX/XX/XXXX XXXX XXXX with Finance of America ( NMLS # XXXX ) estimated our property taxes for a XXXX loan, the problem is our loan was for XXXX. The taxes and insurance were included in the loan so that we wouldn't have any major lump sums due. Because of XXXX XXXX error we now owe our mortgage company {$1700.00} and we owe XXXX county {$1800.00}. Our Payment went from XXXX to XXXX, and we have to get on a payment plan with the county. XXXX XXXX error was missed when we refinanced, so I'm not sure if the new mortgage company is also at fault as they used the figures from our old loan to figure our payment. If the loan had been figured properly from the start, we would have passed on this home and found something with a smaller payment.
I had sold a home that I owned with another person. At the time of closing the proceeds were split XXXX. Then the Mortgage company fifth third mortgage sent a check back for our escrow refund, check was sent to a address I do not know. I had called fifth third bank several times about the escrow check and they assured me that the check would have to be signed by both parties. Then the other party took the check to fifth third bank signed his name to the escrow mortgage refund check and deposited it in his account with out my signature. I am not on his checking account. So fifth third bank has let the other party take the Mortgage escrow refund all to himself. I contact fifth third bank and was told to bad. Please investigate
I opened up a bestbuy credit card in 2011 an in doing so they said I signed up for a debit protection plan. When I signed up all they had me sign was a electronic pad that only had a signing box nothing telling you what you were sighing for so you were at the employees mercy to what you were sighing for and he told me it was just for the credit card and reward card. Nothing about a debit protection. My bad but when I got the bill I just payed it and did n't look at the statement. Then my wife seen it and seen that there was a XXXX $ fee it just said fee nothing about what it was for so I called and they said it was a debt protection plan. They took XXXX $ out for 4 years which means they scammed XXXX $ from us. They said I signed it and sent me a copy but once again I had only the employee to tell me what I was sighing for and I googled it and many others had the same issue and said that the employee would get a XXXX $ commission to sell this so they were not enclosing what you were sighing for. By the signature I sighed when they sent a copy to me it said debt protection but no amount for the fee to be charged and the people on line all were paying different amounts. What do they fraud you into sighing this and then get to pick a amount for the fee out of a hat. I have contacted them many times and still no answer to that question. They keep saying they will not refund our money. I feel this is fraud at its best which makes me mad because we have been a loyal customer for many years and we trusted them to look out for our best interest. Why would we sign up for a interest free card and sigh up for a debt protection fee of XXXX $ on a XXXX loan? Please help us this is a lot of money to my family.
Nationstar is in direct violation of the XXXX Guidelines and Massachusetts Statute XXXX, unfair and deceptive Practices Act. Nationstar refuses to accept a Quit-Claim-Deed duly recorded in the Massachusetts Registry of Deeds.Furthermore N-Star is in violation of the XXXX Guidelines requiring servircers to XXXX evaluate a borrower for XXXX prior to offering an in-house modification.N-Star has approved me for multiple in-house unsolicited, no documentation Trial Payment Plans that actually INCREASED my payment.I have never received and the servicers have never generated a HAMP Denial Letter which is in direct violation of XXXX guidelines The potential financial harm to me due to N-Stars blatant violations of XXXX Guidelines, is in excess of {$380000.00} over the life of the loan.
I was asking for information on a medical bill I am disputing. I requested information pertaining to bill and they sent me my sealed medical records. They are not suppose to have that. I sent them a certified letter question their access to my private medical history and procedures and they never answered. And they have been reporting this erroneous debt to the credit bureaus regularly.
Since  XXXX   XXXX ,   XXXX  , everyday at  XXXX ,  XXXX  and  XXXX  Capital One calls me and it 's not a live agent it 's a machine. I do n't mind the  one  call a day but two is excessive and  3  is annoying! I get it, I owe you money but  3  voicemails that are 18 seconds long with a recording is too much.
My client is a   XXXX   XXXX   and can no longer   XXXX   his two story home. He asked us to assist in him in a short sale. His listing agent obtained an offer for {$250000.00} and we submitted it t o SPS  on  XX/XX/XXXX   . On  X/X/17    when I spoke with SPS I was told the value was {$240000.00} and that they would have a decision in 30 days or less. I followed up on  XXXX  and the rep said the value was missing - when I told her it was in and at $  XXXX  she found it. I called on  XXXX  and was told that we need to remove the verbiage HAFA from the HUD and put in the sellers name. I ordered that revision from the title company and submitted the revised HUD via e-mail on   XXXX    . They uploaded it to their system on   XXXX    . I have called every other day since then and am told it will be 30 days from the last date the document was received (  X/XX/17    ). I have tried to escalate the file but management and the Ombudsman department refuse - telling me they are " allowed '' 30 days to review. I understand federal regulations but why HOLD the file for 30 days just due to  one sma ll clerical change on an offer that is {$15000.00} ABOVE value? They continue to hold the file until  X/XX/17   .
I'm not sure where to begin but ill try and begin at a relevant point, over 2 years ago I wound up in a difficult life position, I needed a new home and I needed new tradelines on my credit profile. I walked into wells fargo bank and asked about getting a credit card. they declined me because no reporting trade lines ... so I opened a secured card, which I was told would be graduated in 6-12 months by the employees of the branch and is some brochures they showed me. 

I have never missed a payment and paid on time for 2 years, ive asked this card to be graduated many times over the last 18 months and each time I was told its automated. when I made deeper complaints I was refered to the office of the president case number XXXX in which I was told I would have the matter settled on no less then 3 occasions over the last 4 months and each person who contacted me and said I will have this complete in 30 days ..never heard from them again then I would respond to the original email, and a new person would tell me they would resolve the matter in 7 days and forth all the up until now 4 months later.. 

they just billed me again for the annual fee because I couldn't graduate or change products because they are fee harvesting me, I am definetly being abused in this situation and I need your help.. 

the greater point is this, I have paid the account to XXXX balance and I need the deposit to pay off another card which is not secured. these other balances are making my utilization appear higher then it really is as I move toward a refinance of my home. hurting my credit score and driving up the expected rate I will pay on a conventional mortgage..so to me there is more at stake then my deposit my wells fargo card number is XXXX
I 've dispute XXXX aka XXXX for years and they have ruined my life for years when the account is not right. I try to submit the letter where it should be removed and they say the file is too big. They do everything they can to harm individuals. Additionally, they report an extra address that 's not mine and refuse to remove it. I live at XXXX XXXX XXXX XXXX XXXX XXXX, they have a second address as XXXX XXXX XXXX XXXX XXXX XXXX that 's a typo and all these extra, incorrect addresses hurt my report, yet they do n't care one bit. I 'm a single mom and they 've destroyed my credit for years claiming they investigated, yet your records will show every time I actually investigate myself, it 's removed. I 'm a single mom and this has been my nightmare. This company does n't care.
I have been banking with wells fargo for about 3 years. I have had constant problems with their services. Starting in XXXX 2016, they claimed they investigated XXXX and refused to give me back my XXXX deposit for the rental car. I had to contact the attorney general in XXXX to get my money back. This month, they claim I do not have online banking, I am XXXX or something close to that in the negative in my account. I can not access my account anymore online so I can figure out what charges should be there and what charges should n't be there. I am currently stuck in XXXX, XXXX because of wells fargo. I have received several e-mails concerning this matter about my account. I told wells fargo to notify me when my account reaches below XXXX. I only receive maybe XXXX e-mails concerning this account. XXXX XXXX in XXXX, XXXX-XXXX XXXX XXXX down from the XXXX XXXX XXXX hospital claimed I was already in the negative when I arrived in XXXX, XXXX now another bank in XXXX, XXXX downtown area near the county courthouse claimed it was when I took out the XXXX from account in XXXX at a wells fargo account that made my account in the negative. I just trying to figure out what should be refunded on my account and what should be charged on my account.
I reported my card lost/stolen on the night of XXXX XXXX 2016, at the time I wanted to expedite my replacement card, I was told that i would have to wait I would have to wait til Monday. Monday morning I call and I am told the hold is still on my account. Tuesday XXXX XXXX, I call with the same request, this time they tell me the card was sent. I asked how this was possible, they had no answer for that question. I asked for time of delivery and they said XXXX10 business days, so I tell them i have financial obligations I need to take care of, so we setup another replacement card to be expedited ( XXXX3 business days ). i did not receive it in the time allotted, i have talked to these Representative countless times and this still no mitigation.
Suntrust experienced IT network, account hackers and/or IT incompetence. They were showing debits, by ( me ) consumer XXXX XXXX XXXX XXXX XXXX F XXXX . This on clear transitions, summary ( see attached ) This was only perpetrated to charge my account overdraft fees and extending over draft fees {$150.00}. I advised Suntrust their mistake or IT incompetence, was the cause since I manage my account by their website. In accordance with PCI-DSS, this information MUST be up-to-date an accurate, by law it was SunTrust responsibility to be such.
On XXXX/XXXX/XXXX I received a notice from the bank that I owed them {$120.00}. So I pulled up my bank account and saw that their was a Phone number attached to the amount being levied against. So I called that number it was the California XXXX XXXX XXXX debt and collection unit. I got a call back from a person name XXXX XXXX XXXX ) XXXX Fax ( XXXX ) XXXX Voicemail, I explained to him that I was on Social Security and the account that Wells Fargo levied against was a account that I have n't used in sometime and when Wells Fargo levied my account the account was XXXX. He told me he did n't understand why Wells Fargo would do that because they knew that they would not be able to collect upon the debit and I would have to take that up with Wells Fargo. So I called Wells Fargo And spoke to someone over in the Legal Processing Unit ( XXXX ) XXXX they told me the case was closed because their was no money in the account to collect. But I still owed the bank {$120.00} for the processing fee of the court order. Wells Fargo is charging me this fee on an account that was already delinquent on funds. To charge this fee knowing no money is available is a very greedy practice.
Specialized Loan Servicing, XXXX XXXX : Refinanced my HELOC about 4 years ago. They represented it as a 30 year fixed loan for about $ XXXX. I asked for a letter confirming this and got it. 
About 2 months ago, XXXX XXXX XXXX XXXX notified me they had possession of the loan and I was to repay them. No one knew anything about the 30 year fixed loan from SLS. Weeks later I got a notice to pay $ XXXX in back interest on the loan. I protested and they backed down. Now they 've decided the full amount $ XXXX or so, is due on XXXX XXXX, 2016. They declined my request for a refinance. Something is very wrong here. Can you help?
One Main Financial ha s incorrect hard inquiries on both my   XXXX   and   XXXX   credit reports. They are showing inquires from  XXXX / XXXX /  XXXX  . Inquiries that I did not authorize.  One m ain financial has sent me a letter on  XXXX  stating that they do not see hard inquiries on those  XXXX  reports even though I sent them a copy of both reports. I do not know wha t one  main financial is nor did I apply for anything from them. A fraud alert has been placed on my account since the discovery of these inquiries I have spoken to them via phone and sent countless letters and they refuse to remove these inquires from my   XXXX   and  XXXX  report. The inquiry date is  XXXX / XXXX /  XXXX
Citibank appeared on my bank deposit from XXXX. and finances deposit into the account Acct # XXXX. Contact Citi Bank in person for answers and the outcome was negative also called the back office XXXX and a employee decided to pass the information to the supervisor.
I am with bank of america and I have a core checking account. I have recurring monthly charges to be billed to my account, and in XX/XX/XXXX and XX/XX/XXXX i was charged overdraft fees for services which automatically billed, and the bank determined to clear on the own volition. I did call into bank of america on XX/XX/XXXX and was advised by the supervisor that the fees were valid, and that i had no right to their return, even though i had originally requested a bank account that would not let that happen. I was then advised that the checking accounbt i was in, allowed for those to go through, i could not stop it, burt i should have been originally set up in a " safe balance '' account. this is a checking account from bank of america that does not allow those charges to go through. I was never advised this bank account existed previously. the person at the branch did not ever advise me of this bank account even though it best suited my needs and requests as a consumer when i opened my account in XXXX of XXXX the banks website does not offer the checking account product to someone going to open a checking account online. the supervisor came back and was unablke to show me on the website where the safe balance checking was offered as it isnt. consumers who do not want their debits to go through without proper funds in their account have no option online or available in the branches if they do not specifically know to ask for that specific account. i was told wiith my account it wouldnt happen, and yet it did. the supervisor did refund the {$70.00} in fees at the end of the call, but also stated there was no way for a consumer to know about the other account unless specifically offered it.