WillisBack/dataset-financial-user-claim huggingface dataset:
On  XXXX   XXXX   2017 , I made a deposit into o ur US b ank account from our  XXXX   XXXX  Account, both accounts located in Arizona total deposit  XXXX . I checked our account to find the deposit listed as other balance adjustments  XXXX . No explaination, no note, nothing indicating as to why??? I checked our  XXXX   XXXX  account and could clearly see that the check had cleared on  XXXX   XXXX ,  2017 . I called  US  bank, I was given the run around and told that fraud placed a hold, gave me the #  XXXX  and trasnferred me, they are closed on the weekends. I call back to customer service, response is that ca n't do anything, asked if I go to my branch can they release with the check showing clearly that the check had cleared  XXXX   XXXX , response, No sorry only fraud can help you quoteing Regulation CC. I called fraud this morning  XXXX  stating that the funds were not available from m y   XXXX   XXXX   account, untrue, check cleared same day, told me the hold was in place for 7 business days, I asked if I could send her the cancelled check, she said no, that I have to go to my local branch, what the heck is going on here. I said that is my money, that I have revceived no notification that they legally  have to send to me, I said I wanted a copy of what ever documentation the fraud department had that stated the funds were not good, she could n't give me that, she hung up on me. Now I have to wait again and contact the local branch at  XXXX   XXXX , This is criminal as far as I am concerned, we have been good customers at  US B ank, now to be treated like I am a fraud is beyond comprehension, Banks should not be able to treat customers that are trusting their money with them this way.
we have this account for more than 1 year but try use my card and decline when talk to agent in the bank told me the bank has that right to close the account any time and dont get me any reason
I have wrote Equifax several times about the Chapter XXXX Bankruptcy on my credit report. Requesting for them to provide me with proper documentation bearing my signature. I ask for validation. After, numerous attempts along with writing the CEO of Equifax, Equifax removed the Bankruptcy off my credit report. Now, after the Hacking of Equifax system I discovered that the item has been reinserted on my credit report. In accordance with the requirements of the section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days.
I just turned XXXX on XX/XX/2018. I have no credit and have never applied for credit in my name. I may be an authorized user of some of my family members credit but nothing personally of my own. There is an American Express card that does not belong to me reporting on my credit and shows as an individual account opened 4 years 11 months ago, I was XXXX then. I did not apply for this.
I thought I was paying a debt I owed to the a state of California agency. This caused distress as I am a XXXX XXXX XXXX. I paid the debt not realizing that it was actually a debt collection company for medical debt. The name California Business Bureau is very misleading and is purposefully intended to trick consumers and pressure them into paying by associating itself as a state agency or credit bureau. 

Pursuant to Federal Trade Commission ( FTC ) Opinion Letters XXXX ( XXXX ) and XXXX ( XXXX ), CALIFORNIA BUSINESS BUREAU, is in violation of Section 807 ( 16 ) of the  FDCPA which states " a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. '' This company is engaging in capricious activity and attempting to mislead consumers by associating itself with the state of California and as a credit bureau.
WELLS FARGO LOAN # : XXXX REQUEST TO APPLY OUR " Cash Balance '' FUNDS to First Trial Payment due XXXX/XXXX/16 Wells Fargo has offered us a 3-Month trial payment plan for {$2100.00} per month starting on XXXX XXXX, 2016. We currently have $ XXXX sitting in a " cash account '' which we 'd like to apply for the XXXX XXXX, 2016 trial payment. We will easily be able to pick up the XXXX XXXX, 2016 payment and be in good financial standing for the new streamlined modification loan we were offered. 

XXXX XXXX, my account representative, told me twice on the phone that I could receive a check with these funds and he would expedite it, then he placed me on hold, came back and informed me, " I can not issue you this check and we can not apply these funds to make our payment ''. Please pull our phone conversation from Tuesday, XXXX XXXX, 2016 for the most recent misinformation spreading to a customer in need. 

I do not believe it is legal for Wells Fargo to hold our funds and I 'm requesting that your company make an exception and apply these funds immediately, so we can start the " XXXX Streamlined Mortgage which puts another {$200000.00} in the pockets of Wells Fargo '' and if not, we are requesting a full explanation along with the statute and law that allows the bank to confiscate these funds or hold them in limbo, when they could easily resolve our current situation with a simple transfer of unapplied funds. 

Wells Fargo is threatening to start foreclosure process if we do n't make the XXXX XXXX, 2016 payment. We also spoke to XXXX XXXX, XXXX, who also confirmed this misappropriation of our cash balance funds. When I asked to speak with her manager, " XXXX XXXX '', she rudely denied the request vehemently which coupled with resulting in my overwhelming distress and unnecessary upsetment causing severe emotional trauma. 

XXXX please help us resolve this amicably and simply apply the funds that our legally ours to help us start the streamline program on XXXX XXXX, 2016. We have XXXX young children with special needs and this is the only asset we still own. Please help us.
On XXXX I received a phone call from XXXX. When I answered and said, " Hello '' they hung up on me. I called them back and the girl informed me they were Frost Arnett Collection Agency and wanted to collect a debt. I asked the girl if she would make a settlement, she said no, so I informed her I did not have the money to cover the complete amount. She tried to press me to give her my employment information. When I refused, she accused me of threatening her. ( Which I did not ) These calls were meant to harass, annoy, and upset me and violate my rights under the fair credit reporting act.
Wells Fargo 's cross-selling practices were also a culture in the mortgage bank and their predatory lending practice is resulting in foreclose proceedings on my home in New Jersey. 
During the modification request process, Wells Fargo reassigned my loan to XXXX XXXX who started foreclosure proceedings last year. After I sent documentation to Wells Fargo showing that they had extended XXXX loans to me instead of the XXXX loans I thought I had over the past 12 years, they had suspended the foreclosure proceedings and approved a short sale without my requesting one. 
These XXXX mortgages and lines of credit ( LOCs ) amounting to approximately {$4.00} XXXX were extended to me between XXXX of XXXX and XXXX of XXXX when my annual salary was in the low $ XXXX and my credit scores were in the low XXXX. As a result of the crash in the housing market and deaths in my family, I have had extreme financial difficulties and hardship in repaying these loans. I tried on numerous occasions to get permanent modifications but was only approved for temporary ones. After numerous denials, I was forced to short sell my properties and I am now left with my primary home which is under water. I owe over {$300000.00} more than what my home is worth, as Wells Fargo falsely appraised my home for more than what it was worth to provide the line of credit. 
All my loans were interest -only and as my primary home loan and line of credit approached the 10 year mark where it was due to reset to a principal and interest loan that I could not afford, I tried several times to get a permanent modification or forgiveness of the line of credit but Wells Fargo was not willing to work with me and reassigned the loan to XXXX XXXX to start foreclosure proceedings. 
After sending my letter to the Executive office in XXXX with the details of the XXXX loans, Wells Fargo has been sending monthly letters stating that they are conducting research on the predatory lending practices. Every month I get a letter that they expected to complete their research by a certain date but they keep extending the date. I think that this is a stalling tactic so that they can foreclose on my home. 
Even though they are still conducting research, they restarted the foreclosure proceedings because I did not get an offer on the short sale by XXXX XXXX. 
With more knowledge and experience, it 's now clear to me that these many loans were extended to me, so that my Wells Fargo mortgage broker could gain more commissions based on the incentive structure created to profit the bank. This is predatory lending and I would like this to be investigated. Attached is the spreadsheet with the details of the XXXX loans.
Bank offered {$350.00} bonus offer for opening account and completing direct deposit for three consecutive months totaling over {$3000.00} or three consecutive months of XXXX or more bill pays for the account. Meeting both conditions on or about XX/XX/2107, it was said {$350.00} bonus offer would be deposited within 3 weeks. However, bank has failed to provide funds tied to the bonus promotion to my account. Inquires about the bonus are replied to with fanciful information.
I am the XXXX for the homeowner of a property at XXXX XXXX, XXXX, MI XXXX. Ocwen holds XXXX mortgages with and there is a XXXX mortgage withe the state of Michigan. I have submitted all required documents to Ocwen to gain an approval for the a short sale and Ocwen provided me an approval, however the approve left off the XXXX lean to the state of michigan. I submitted request XXXX lean required information and Ocwen keeps telling me that it is not acceptable. I ask them over and over what they want me to send and when I send it they continue to ask for the same document over and over that I keep submitting. I have been working on this file since XXXX 2015 and it has been a difficult task every step of the way with Ocwen.
My vehicle was involved in a collision on XX/XX/2018. My car was taken to the dealership for repair and my insurance issued a check payable to myself and Capital One to be endorsed and sent to the dealership, XXXX XXXX XXXX, to pay for the repairs. I endorsed the check and forwarded it Capital One per their instructions. Capital One instead credited my account for the total amount of the check which was significantly less than the payoff balance. This check should have been immediately recognized as a check for repairs and not payment as it was sent by the insurance company and I had previously notified Capital One of the accident and insurance claim. 

After many weeks and phone calls, Capital One finally acknowledged their mistake and removed the credit for these funds from my loan account and agreed to forward a check in that amount to the dealership that had performed the repairs on my car. After many weeks of waiting and multiple phone calls, I was told many different things such as the repair check WAS being overnighted out, the repair check HAD been overnighted out and then finally that I had been misinformated and that they do not *ever* overnight checks but that a check had been mailed via U.S. Mail on XX/XX/2018. I advised them that I intended to seek legal counsel if this was not resolved quickly at which point they told me that they would no longer speak to me and would only speak to an attorney calling on my behalf. I then sought an attorney who called Capital One on my behalf. He was told the same story by Capital One that a check had been mailed directly to the dealership and to check with the dealership. 
To date, no check issued by Capital One on my account has ever been received by me nor the repair dealership of XXXX XXXX XXXX. Several weeks ago the dealership called Capital One directly and was told that the check Capital One insists they mailed has not been cashed and that they could stop payment on the check and send a new one. The XXXX XXXX XXXX employee confirmed the address it was sent to as correct and asked that a replacement check be overnighted to the same address. Capital One denied their request for an overnighted check but said a new check was going out. Today is XX/XX/2018 and I am still unable to claim my car from the dealership as they have still not received the forwarded funds my insurance company paid to have my car repaired from Capital One. I have been making payments on my loan all of this time but have been without the use of my vehicle since XX/XX/2018. 
We have recently experienced a major national disaster as I live in an area devastated by Hurricane Florence and public transportation has not available in my area and taxi or ride sharing services are limited. This is making my ability to get to work nearly impossible and may cause me to lose my employment impairing my ability to make future payments on this loan.
XXXX of the addresses listed on my credit report XXXX XXXX XXXX XXXX is incorrect. I have never lived on XXXX XXXX XXXX XXXX XXXX, Md. XXXX
In XXXX XXXX I called XXXX XXXX to make my monthly payment, decided to pay 2 seperate pymnt in order to pay 1 month in advance.I had no idea when fraud occurred & credit  union cancelled my card that XXXX pymnts were not paid. No NSF fees, trying to recover cash, contact all auto-debitors, finding unknown SS #, addresses, employment, credit inquiries, attempts to finance a vehicle and more connected to my credit report ... what i later found to be XXXX recorded messages in my vmail sound like telemarketing, incomplete, started with 2 min white noise, cut off with incomplete info & was unsure who called. They reported me dropping my credit score 42 pts overnight.I was in 1st stages of home equity loan to upgrade my home, this ruined all arrangements for that.I spent hours, days, made over 40 calls to XXXX/Experian, Corporate promised me a callback in 10 min, after visiting a store manager asking him to please call in order to attempt getting someone to help me, they never called.He was embarrassed for corporate. I tried everything, I explained the fraud, offered credit union statements, proof no NFS fees, you name it and they referred me time and time again to Experian who referred me back to XXXX. Started on XXXX XXXX and it is XXXX XXXX, no one has ever responded to my calls, emails, requests for help, complaints, nothing but a runaround from a huge chain that never sent a letter about my missed payment, never responded to my many emails or phone calls, but manages to blow up my email daily with duplicate " offers '' in an attempt to entice me to spending more money. They make sure they have the resources for marketing while leaving long time customers hanging in the wind with no answers or assistance of any type. Paying them off income tax time and destroying the card which I have not used in months.Bottom line, XXXX did not make a effort to contact me about the payment via email, phone or mail other than a poor recorded call that lacks required contact information. In the end, I was promised help the never came, a phone call from the gentleman at Corporate that oversees accounts who I was told is unable to accept phone calls in his office.
Unauthorized hard inquiries from XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, and TransUnion Interactive IN all occurring on XX/XX/2018. 

Subsequently I was contacted by XXXX XXXX XXXX on XX/XX/XXXX claiming I owed money on a loan that I never took out with them. This has been documented in complaint # XXXX.
chase bank is agressivly attempting to collect on the debt that is not mine. I did not sign a contract with chase for this credit card and this should not be reporting on my credit report. This accoutn was opened as a corporate credit account when I worked for XXXXXXXX XXXX they signed the contract and I was an authorized user and NOT an owner or a responsible party on this credit card. My numerous attampts to have chase cease and desist their collection efforts went ignored. I'm still getting calls for this collection at my house, work and now my parents house. Now I got a call from chase threatening to take me to court or arrest me if this account was not paid. please help this is not my account!!!
In XXXX, I received a mortgage loan modification from IndyMac, without ever receiving a legal/official copy of the modification or a call back to discuss the questions I had. I knew my modification was approved because my monthly mortgage statements reflected it. After the modification, my mortgage was transferred to Ocwen. Ocwen mailed me a notice of the loan transfer amount, deferred interest amount, and dates interest would adjust annually, maximum interest of 5.25 % in XXXX. I have since called Ocwen to request to speak to a rep regarding refinancing to a lower, fixed interest rate. I also called to request a copy of my mortgage contracts. I keep getting transferred and do n't reach anyone that will help. I have excellent credit and want to refinance to a lower fixed interest rate, but can not do so because lenders want to see the contract, not just a current payoff statement letter from Ocwen.
I have tried on 2 other occasions to get Experian to update my balance to the correct amounts, my creditor all have different balances according to my account records as of XX/XX/2018 : 1. XXXX/XXXX # XXXX - Please correct the balance on my credit report, My balance should be XXXX, NOT {$570.00} -- -- - 2. XXXX/XXXX  # XXXX - Please correct the balance on my credit report, My balance should be XXXX, NOT {$470.00} -- -- - 3. XXXX  # XXXX - Please correct the balance on my credit report, my balance should be XXXX, NOT {$160.00}
Western Shamrock has a credit inquire on my XXXX credit report. I did n't receive a loan from this company.
XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX I filled Chapter XXXX bankruptcy in XX/XX/XXXX and 7 years have passed. By law you MUST remove the Credit card account from Transunion credit report. You have refused to remove the account and this is why I MUST fail a complaint. See info : Account Details Last Reported XX/XX/XXXX Creditor Name XXXX Account Type Credit Card Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$1800.00} Term -- Monthly Payment {$0.00} Responsibility Individual Balance {$0.00} Highest Balance {$10000.00} Payment Status Payment Plan Worst Payment Status Unknown Date of Last Payment XX/XX/XXXX Amount Past Due $ XXXX Times 30/60/90 Days Late 0/0/0 Remarks Chapter XXXX ; wage earner plan account XXXX XXXX XX/XX/XXXX
XXXX 2016 I borrowed {$200.00} from Speedycash using their online Installment Loan service. I have made several attempts to payoff the loan. Although the website publishes a way to payoff the loan at their website, my payment is not accepted. I have noticed my debit card has an incorrect expiration date so Intried to correct it but the response that is returned says the card number is already on file. I sent Speedycash an email to call me or fix the payment issue. I have received no response. I believe this is a deliberate attempt to prevent me from paying off my loan. 

I will make another attempt Friday, XXXX XXXX because another fee will be due Monday, XXXX XXXX
I have multiple complaints. 
1. My husband and I became unemployed in XXXX and applied for a Special Forbearance we were approved and was told we had to make payments of XXXX my question is if we were unemployed how do we pay XXXX a month? I maxed out my student loans just to make the payments up until XXXX because school ended in XXXX I could not get any more funds. I thought when I got my taxes I would pay past due and then continue to make payments. However, my taxes were delayed 3 months due to marketplace insurance. In XXXX we received a letter denying the Special Forbearance and was told we did not qualify for any other programs. I was told by the XXXX Georgia rep this month that if we were unemployed we should not have been required to pay anything. Now I am in default with my student loans. 
2. I received advertisement that my house has a foreclosure sale date of XXXX XXXX, XXXX. I did not receive any default paperwork nor did I receive notification of any kind pertaining to the sale. I received a letter from an attorney that my house was in foreclosure dated XXXX XXXX. At which time I contacted Bank of America to start the process for a loan modification at which time the representative should have disclosed the sale date to me. I tried applying sooner but was told that we did not qualify for any programs. I tried applying when my job started working in XXXX and was told that I had to have 30 days of paystubs in order to apply. I called Bank of America after getting flooded with advertisements. to inquire why I did n't receive any notice regarding the sale date the rep said that a notice dated XXXX XXXX, XXXX was mailed indication default and foreclosure status. The issue that I have is that my loan was modified and bought current in XXXX at what point is the foreclosure status removed? I should have not been blindsided new notification should have been sent to me. 
3. Bank of America will not release {$3000.00} of funds paid by my Homeowners Insurance Policy for my roof a year ago. They are requiring a roof company to fix the roof and we can not afford the deductible and the roof companies will not do it for less. I have someone that will repair the roof but BOA will not release the funds
I was contacted by phone by the Collection Center of Wyoming regarding accounts that were not mine that they were claiming were. These accounts were in the name of XXXX XXXX, and were medical bills in XXXX Wyoming and a cable bill in the same name at the same location. These accounts were old and I have never been contacted about them before now. I was an XXXX but divorced and changed my name in 2001 ; I have also never been to XXXX. I called the hospital that reported the debts ; these accounts do not match my social security number, middle name, or date of birth. The hospital called to remove this from my record. The collection agency also removed the cable bill. This collection agency did report XXXX medical bills to the credit bureaus before they contacted me about them. I was told that these were corrected but today are still showing on my reports. As I am planning to purchase a car this weekend, I again contacted them. They said they could write a letter that I can give to the dealership but it has to be approved by several people before they can get it to me and it could take several days. They should have verified that all information on the debts matched mine before this was ever reported to the credit bureaus. I should have also been contacted long before it was reported if they believed it to be me. I have never received any written communication regarding these debts.
I filed investigation for collection account on my Equifax report for XXXX XXXX XXXX. The collection agency failed to respond within 30 days of me requesting validation of the debt. I requested name and address of the original creditor, documentation obtained from the creditor proving that I have a legal obligation to pay, and all notices required by law. The collection agency failed to furnish this information. Equifax failed to remove this information from my credit report when I requested and provided proof the collection agency failed to follow the law.