WillisBack/dataset-financial-user-claim huggingface dataset:
Unexpected Fees - Non Disclosure of Fees. The banking industry needs more oversight and consumer protections placed on it. I was issued a check from my Father 's succession by the title company with an account from JP Morgan/Chase. My bank would hold the check for 10 days. I had an emergency, under duress, stress, and financial hardship and needed the monies asap. I was told over the phone by a Chase Bank, XXXX. XXXX, XXXX, LA teller, there would be no problem cashing the check as I explained I do n't have an account with Chase. There was no mention of an {$8.00} fee. After driving 45 mins.out of my way, even though I ca n't afford the gas, and the stress to get time away from work, to the nearest location to me, I was told there would be an {$8.00} fee which the manager refused to waive and I was told it was their policy. I asked the teller where was that policy posted in this bank building, and she told me that it was n't. They had their bank disclosures posted on the wall, but the print was too small for me to read with glasses and people with XXXX XXXX ca n't read it at all. I also pointed out to the same teller who also mentioned the posted policies that the {$8.00} fee should be specified and it 's not. I asked - she also did n't know. The fee for walking in this bank building and cashing their customer 's check cost me {$8.00}. They are charging their customers and non-customers alike. The principle of anyone taking any money out of my father 's estate except his heirs is infuriating. As a Sr. Citizen, this is unjust! The FTC should be involved as well. I want my {$8.00} from Chase, and I want the US Government to end this unfair banking practice. At the very least, Chase bank should be made to post a sign at the point of transaction at the teller 's window that if you are n't an account holder it 's going to cost you one way or the other. This is a violation of the public trust, rules and ethics and non-disclosure. No wonder businesses are suffering in the US. I would never want my customers to suffer cashing a check from my bank.
I received a letter on XX/XX/2018 that Barclays bank closed my 2 person cards due to " your history of account usage '' Multiple calls to the bank has yielded no explanation as to what I had done wrong, and why exactly my accounts were closed. I have been a loyal upstanding customer with no missed payments, and have been wrongfully shut down.
Chapter XXXX bankruptcy is invalidly reporting on credit bureaus have contact them to get it removed and all three major credit bureaus refuse to remove it. Along with bankruptcy the following accounts need to be removed : XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX these are not my accounts they are on my report as a result from ID Theft ; credit agencies also have copy of police report and ID Theft Report # : XXXX.
XXXX/XXXX/16 my husband and I traded our vehicle and the payment was upcoming due on the XXXX XXXX of XXXX 2016, however the dealership stated they were paying it off and for us not to make the payment on XXXX XXXX ND 2016. The bank went into our joint savings and withdrew the payment. For XXXX it 's not just my husband 's money it 's mine as well when I called the bank 3 times they did not want to speak with me because I was not on the auto loan. But they still touch my money out of my savings so how do you explain that. However I finally spoke with XXXX or XXXX from collections department, and she understood what happened and stated she would reverse the payment. It is Saturday the XXXX the of XXXX and nothing is back yet. I called again and spoke with a XXXX and gave me attitude and kept arguing with me! I asked for managers and supposedly there was not any asked for a supervisor and he was understandin and explained what was happening with the reverse funds. I need in writing that a loan that only my husband has they have the right to withdraw from a joint account when I 'm not on that loan
I recently am getting my wages garnished by some phantom judgement sent to my job from pressler and pressler. I do not know what this is about, I never got one notice in the mail until the judgement was made and I could do nothing about them taking my wages! These shady and ileagal tactics these companies use to collect a debt is wrong and dirty! First, off I do n't remember having any XXXX credit card or anything dating back to God knows when. They said they got the account in 2012 and not once did I hear from them about this! This is serious! They are taking {$140.00} a pay check that I ca n't afford! I do n't make much to being with, and with all the other bills I am drowning in debt! I call them they ca n't help or do anything! What good are they, but they are quick to sue me for no reason! I will complain everyday until I get this solved and they clearly explain what this is and give me a chance to defend myself the right way! Venue I looked online does n't even exist anymore and we 're a shady company too!
I went to XXXX and filed for a loan their number XXXX, ive spoken with a man named XXXX and XXXX. at ext XXXX and XXXX they claim that when you pay XXXX for the first initial payment, they then will place the money into your bank account. Once they receive the money, they do not place the money into your account and they continue to tell you that they need another XXXX dollars to do the transaction. they are using a phone number for XXXX Illinois and the police department in Illinois stated that they are a fraudulent company claiming to be in XXXX Illinois and after they investigated the company, they found there is no company. They believe this company to be overseas. I have receipt showing money was transacted, text to show they contacted me. Please I need you to return my call regarding this fake company. my number is XXXX and my name is XXXX XXXX. thank you.
Bank of America illegally transferred my loan to different lenders and banks without proper notification to me. Once I was not in a position to continue my mortgage payments, Bank of America dumped my loan on other lenders and separated my XXXX and XXXX mortgage which made it extremely difficult for me to negotiate and follow whatever crumbs which were left for a paper trail.
I have a mortgage with M and T Bank for 10 years. The house appriased for XXXX when I bought the house. I am still paying PMI after 10 years I think it should have been taking off when I reach XXXX % LTV {$91000.00} which I am around XXXX now.
I have had numerous issues with XXXX. This particular issue is that as I am working to rebuild my credit following a bankruptcy, I have an auto loan that I had prior to filing my Chapter XXXX bankruptcy. I reaffirmed the debt and had to dispute with XXXX that the amount was n't in bankruptcy. After that was finally resolved, they continue to report that my account is closed. I have disputed this no less than five times, online, by phone and in writing. This is a company whose sole purpose is to fairly report credit and they had done absolutely nothing to confirm that my account is open and current or they would have accurately reported it. XXXX does n't seem to do any due diligence in trying to accurately report credit for consumers. Moreover, they have reported payments being made after my account was allegedly closed ( because it is still an open account ). This is just one of the recent problems I have had with Transunion. This is important to me as I am rebuilding my credit and having an open, current car payment loan is good for me and hopefully my next car loan wo n't be at 12 % interest when current interest rates are 3-4 %.
I am writing this letter to file a complaint against Credit Karma a.k.a creditkarma.com regarding making numerous request to investigate my consumer file. I believe that my Identity has been stolen because I am having a lot of issues retrieving any Credit information such has Credit Reports and Credit Score from all XXXX Credit Bureaus. 
When companies are processing my applications for a credit card or a loan they are informing me that no credit history exist for me or that I have delinquent accounts. When I log into Credit Karma.com a message appears that my credit information does not exist and that I have to mail or fax in copies of documents so that they can review it. I have submitted copies of the following documents ( Birth Certificate, Social Security Card, Birth Certificate, Florida Driver 's License, XXXX Statement ) to XXXX and to Credit Karma numerous times for their review and to this day still no response. 
In XXXX 2015 I was approved for a Car Loan and purchased a car which I have been faithfully paying on time. I also was approved for a XXXX XXXX and been faithfully paying that account on time as well. By now having those XXXX accounts should have helped restore my credit history and generate a Credit or XXXX score for me.
I am writing to request several credit inquiries that were unauthorized be removed from my Equifax credit report. OnXX/XX/XXXX, I received a copy of my credit report and became aware of 6 inquiries that I did not authorize or receive. They are as follows : 1. XXXX XXXX XX/XX/XXXX2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XXXX  XX/XX/XXXX 4. XXXXXX/XX/XXXX 5. XXXX XXXXXX/XX/XXXX 6. XXXX XXXX XXXX XXXX ( 5 ) XX/XX/XXXX
I applied through XXXX XXXX ofXX/XX/XXXX for a personal loan. I understand XXXX XXXX shops for the best loan offer with outside Lenders. I received an email from XXXX and XXXX XXXX, letting me know I had been preapproved through XXXX XXXX and that XXXX and XXXX XXXX was ready to make an offer to me. I decided I did not want to go through with either loan, so I did not reply to any emails from XXXX or XXXX XXXX, which meant, I was not interested in moving forward with the approval. I noticed XXXX  sent 7 emails to me, dated from XX/XX/XXXX to XX/XX/XXXX. It was on XX/XX/XXXX I noticed the email said I had been denied the loan. I then checked my credit report and noticed the hard pull from XXXX. I contacted XXXX and demanded the hard pull be removed from my credit file because I did not respond to their pre approval offer, offered to me on XX/XX/XXXX The representative apologized and began to ask me for my personal information in order to create a fraud ticket in his system. He then said it would take 30 days to resolve the issue. I told him I did not have 30 days to wait. He continued to ask for personal information but I chose not to give my information and informed him I would submit the complaint a different way.
I previously filed a complaint XXXX which was resolved to my satisfaction by XXXX 's XXXX XXXX. The resolution involved updating the 3 Credit Reporting Agencies with accurate information regarding XXXX tradelines. After correctly reporting these to all 3 bureaus, XXXX reverted to the prior incorrect reporting with Equifax and XXXX. XXXX remains accurate. I left phone messages with the person who previously handled the complaint, with no returned calls. Therefore, I am re-filing this complaint. Under the FCRA, XXXX  has exhausted the 30 day period to correctly post the tradelines and I am requesting deletion of both accounts pursuant to 15 U.S.C. 1681 ( a ) ( 1 ).
ON XX/XX/XXXX I WAS A VICTIM OF ID THEFT. NUMEROUS ACCOUNT HAVE BEEN OPENED FRAUDULENTLY IN MY NAME WITH MY ID. BELOW ARE THE ACCOUNTS THAT I HAVE NOTICED ARE FRAUDULENT.

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDIT CARD XXXX XXXX XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX I HAVE FORWARDED THIS INFO TO : EXPERIAN, XXXX AND XXXX. EACH CREDIT BUREAU HAS REFUSED TO REMOVE THE FORGOING DATA.
Experian lists on my credit report XXXX Report # XXXX ) one negative account -- a XXXX XXXX XXXX XXXX ( XXXX ). Experian also states that because the item has been contested once that my only options going forward are either to upload " new '' information that would, according to Experian, justify a reinvestigation or to call Experian and almost certainly be put on hold. So obviously this method is much more efficient for me both in time and with regard to the fact there is no " new '' information to upload -- the fact is that the account is past the statute of limitations for listing. The first missed payment/delinquency occurred over seven years ago. There is nothing I could upload that would clarify this for Experian. A company does not get to start the statute of limitations clock based upon the first time an account was sent to collections, but rather when the last payment was missed. I also do not recall what I based my earlier request for an investigation on but I strongly doubt it was based on a statute of limitations argument. It may have been that at that time I did not recognize the account, as the origin of the account is well over ten years ago.
The County and Federal Courts do not report to the credit bureaus, I have sent several certified letters to Equifax asking them to delete the public records they attached to my social security number. In addition, there are freezes at XXXX, XXXX, XXXX, XXXX and several other companies that report public records, with files with my social security numbers. It is for these reasons that I know that they are lying with regards to validating these public records.I am requesting that they remove them immediately.
My wife and I, who have been home owners for the last 16 years, and who have lived in our current residence since 2009, applied with Quicken Loans to refinance our current first-lien mortgage. We both have excellent credit. We completed all the application and required paper work, and provided all requested supporting documents within the first 6 hours of the process XXXX including tax returns, XXXX 's, XXXX 's, XXXX 's, and XXXX 's ). Since that time it has been over 2 months and we have not received an approval notice and we never received an adverse action notice. In fact, except for a few phone calls initiated by us, there has been no communication. It is my understanding they only have 30 days from the completion of the application to notify us if a decision. During this time interest rates have moved in an unfavorable direction. The more time that transpires the more money we are losing.
My Name is XXXX XXXX XXXX This is the second time I have contacted your agency regarding the following information below. I am requesting that you promptly delete these addresses and inquiries immediately. I do not believe a proper investigation was done from my file through your office. Please remove the following addresses from my files I am not associated with them : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX I have had issues with my information being sent to these addresses and I do not live at any of these locations. 
My current and only address is : XXXX XXXX XXXX, XXXX, GA XXXX I Have lived here for over 5 years
Every two months, Wells Fargo loses my online account info and locks me out. They also " lose '' the contact info I call every two months to correct. And although they record calls, they hang up if I tell them I too am recording the call to protect myself. I called back and again informed them I am recording the call and the woman told me " then I ca n't talk to you. '' When I asked for supervisor, she put me on hold. An hour ago. I am still holding. I am completely at their mercy!
I opened a CitiGold account on XXXX XXXX with an account bonus of XXXX XXXX miles with promo code XXXX. 

In order to be eligible for the bonus, you needed to make least one bill payment for two consecutive months within 60 days of opening your account and make XXXX in debit card purchase. I completed the requirements within 60 days and confirmed multiple times with online reps and through secure messages that I was eligible for the bonus. However, at the time of actually paying out the bonus, Citi said I was not targeted for the promotion. There was no language in the promotion that said anything about being targeted.
FRAUD OF ( PennyMac Loan Services , LLC ) REF : PennyMac Loan Services , LLC, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, XXXX. XXXX ID # XXXX. 
I have an account with PennyMac Loan Services and I have Insurance with XXXX XXXX XXXX for last 5 years. PennyMac Loan Services NOT Releasing the payment from my Escrow account. My agent reached PennyMac Loan Services , LLC 3-4 times and there is NO Response from PennyMac Loan Services. and iLLegally Imposing Amount : {$2800.00} for insurance. XXXX/PennyMac Loan Services always play these games. I have a OLD Complaint against XXXX XXXX XXXX and Returned my Money. After Complaining to CFPB. Please Help me AGAIN with Fraud of PennyMac Loan Services. 
Regards XXXX XXXX
A  few weeks ago I sent your bureau a request by certified mail to investigate items on my credit report which were highly suspect. As per the FCRA I allowed you 30 days to correct my report. However, your company has failed to take any consequential action and continues to maintain a file on my which is grossly inaccurate. The creditors that I called have not been able to verify me, whereas you dubiously claim to have somehow verified these items .
I submitted a dispute to State Collection Service for 2 medical bills. State Collection Service first sent me a letter requesting all of my personal  information ( account number, name, address, phone number ), before I could respond to the letter, they ( State Collection Service ) sent me another letter with attachments of all medical procedures that were done at the facility. State Collection Service should not have access to the medical records or medical procedures, this is a violation of HIPAA and my rights.
My personal information was divulged to an unauthorized third party by Equifax due to extremely inept cybersecurity practices in use at the firm. My data, including my SSN and other sensitive information, is now being held by an unknown entity without my consent.
In  XXXX     2017 I r eceived a mailer fr om US BA NK stating the following : " Available nationwide, U.S. Bank is offering you a chance to earn a {$200.00} bonus when you open a new consumer checking account with direct deposit valid through  XXXX   XXXX ,    2017 wi th  promo code   XXXX . '' On  XX/XX/2017   , I called US Mortgage and spoke to a representative to explain the fine print On  XX/XX/2017    I opened my checking account online with USBANK.   I have since completed all the requirements and fine print, I waited the allotte d 6-8 we eks to receive my refund.   On  X/X/17    I spoke to various representatives and branch employees stating many different things from " we do n't offer that promotion '', " you need to wait more '', " your funds will be deposited on  XX/XX/17    ''.   On  XX/XX/2017   , I spoke to a representative named  XXXX  this morning and was told to wait some more.   This is a clear case of false advertising.
In XX/XX/2013 this Account was consolidated into XXXX Acct # XXXX
XXXX is reporting to Equifax and XXXX as current 120 and 180 days delq for an account that was charged off in XXXX for both of us- XXXX . XXXX XXXX has already removed the derogatory item all together. XXXX is dropping our credit scores by XXXX points based on these consistent lates for years. We demand they fix their reporting right away. We have complete 4 rounds of dispute letters to both Equifax and XXXX and have attempted several CFPB complaints and to date we still have not received any assistance or resolution. We demand CFPB steps in and gets this fixed right away.
Reference Case # XXXX Still having great difficulty communicating with BOA applicable employees/customer service reps/robots. None of the latter return phone calls, have voicemail, and obviously do not listen a/o care about any such msgs left on their extension #. It 's either incredible or purposefully planned this way by BOA management ( XXXX ). If ... ... ... .because of BOA 's deliberate/disinterested lack of support and response ( s ) the short sale offer on our waterfront lot is withdrawn by the interested buyer, what action ( s ) can we take vs. BOA?
My name Is XXXX XXXX XXXX today I was informed by my wife that she was in contact with a debt collection company named XXXX recovery because she requested my credit report and this account appears in my credit report. I was shocked and upset at the fact that they never contacted me to dispute this debt in writing because they are not the only debt collection company who is trying to attempt to collect this debt. Another debt collection company name Professional Bureaus of Collections of Maryland Inc is trying to collect the same debt. I believe that XXXX XXXX has violated the FDCPA, first failing to send me a debt collection notice in the mail to give me the chance to dispute this account, reporting this account to the major credit bureaus without a validation of the debt, improper sharing information with a third party my wife, trying to collect a debt that other debt collector allegedly own. I am filling a complaint with Federal Trade Commission and Attorney General Office as well.
In XX/XX/XXXX after receiving a copy of my credit report from XXXX I filed a dispute for a bill in the amount of {$1200.00} with XXXX XXXX account # XXXX. On XX/XX/XXXX I received a letter from XXXX stating that they had contacted the credit bureaus and requested that the account be closed and deleted from my profile. I receive a current credit report on XX/XX/XXXX and it now shows this account is with a different agency by the name of Source Receivables Management for the same amount of {$1200.00}. None of the Credit Bureaus notified me within the 5 days required by law that this item would be re inserted back on my credit profile.
I originally had a student loan which has been sold several times since I consolidated in XXXX. XXXX XXXX sold my loan to Navient. I have automatic withdrawal of my student loans and have never been late or missed a payment. I was checking on my account which I took out with graduated payments expecting it to be paid off in XXXX. To my surprise my pay off date is now XXXX, another 5 year of payments to my loan which were not authorized. My interest rates remained the same but how did they add 5 years to my loan without my knowledge??? Then my son who also attended XXXX XXXX university for his XXXX degree and took out a consolidation loan for 10 years, noticed his payments were less and found the same issue. He was extended to 20 years without his knowledge or consent. He was annoyed and paid off his student loan within a couple of months not wanting 10 more years of interest at over 7 %. My interest rate is acceptable, but how do they get away with adding 5 years of interest without consent. I had trouble keeping track of the loans. I have another for my daughter which went to XXXX which will be paid off soon. I am XXXX years old, 5 years longer is outrageous!! No response to emails requesting how this happened. Can not tell from current documents when change occurred.
charging interest not charged on disputed medical bill turned over to them .Placed on credit report without stating disputed Debt. Placed on spouses credit report when he did not sign for debt and again did not state disputed debt. Notified neither party was going to place on credit report.
My name is XXXX XXXX. I have never been married and never have legally changed my name. I was born on XXXX XXXX, XXXX. On XXXX XXXX, XXXX I submitted an official dispute with XXXX XXXX for reasons including possible fraud/i.d theft. I also sent the management company a letter asking to provide me with any proof or information that would help delete the incorrect info on my credit profile. XXXX XXXX or company have yet to resolve or provide any info regarding this investigation.