WillisBack/dataset-financial-user-claim huggingface dataset:
I have ally bank checking and savings account. I wanted to transfer $ XXXX from my ally bank account to my spouse 's ally bank account. But finding it very difficult to deal with this bank ( ally ). 
1 ) They have setup limits for XXXX transfer which is $ XXXX for 30 days. 
2 ) they have some very useless excuses " why do n't both of you open a joint account '' rather than fixing this issue. 
3 ) Ally is not ready to increase the 30 days limit to more than $ XXXX even when i am ready to take all the risks/accountability 4 ) They use a bad excuse that XXXX is from 3rd party so they dont have any control. 
I am really impacted due to the limitations by this online bank. Have they been concrete or mortar bank..i could have walked-in and did it on my own.
I have made several attempts for this company Hunter Warfield to provide proof of account ownership and they have not sent any information over to me. I have also called XXXX XXXX which was the original creditor and they said that they do not have any information on me and I need to contact Hunter Warfield. I have disputed this account since 2016 several times with all 3 credit bureaus and they have not provided me any information that I asked for as far as verifying this debt. I have never lived in these apartments. Either send me a lease stating that this is my account as I requested several times or remove this from my credit report.
I am re-submitting a complaint against a debt that I do not owe. Hunter Warfield ( Collection Agency ) and XXXX XXXX XXXX XXXX XXXX   ( Apartment Home ) will not and still have not provided the documents required to me by law. They state that they have pictures of the damage done to the wall of which they will not send and a move out inspection form that was signed by the leasing manager that states I did not owe any balance on move out. The refusal to send the documents shows that the apartment home and collection agency are keeping the information from me. I have attempted to resolve the issue with both parties and they both have given me false statements saying they will send the information I have requested. In my last complaint they responded with a copy of my lease and the bill ( balance of the account ). That information is not sufficient in proving that debt is mine being that a document was signed stating that I had a {$0.00} balance and the pictures they have will clearly show that the wall just needed to be painted. I was also to on the phone " As a one time courtesy the documents will be sent to you ''. First I have a legal right to any documents especially if it is associated with a debt that is owed. Second, painting an apartment is basic " wear and tear '' in an apartment. The bill states sheet-rock repair. If the pictures even actually exist you will see that there are no repairs needing to be made. Third, If they had this information why didn't they include it in the first complaint? At this point in time because Hunter Warfield or their client can not proved the documentation to prove that the charges and the damage are real I have reason to believe this is fraud.
Sent money in the amount of {$10000.00} to daughter using PayPal on XX/XX/2018. Transaction number XXXX. My bank shows that money was withdrawn by Paypal and PayPal shows pending on an echeck send but no funds were ever received by my daughter and PayPal can't seem to answer where the money is. It's been 10 days and I would like the transaction canceled and the funds returned.
My monthly mortgage payment went up from {$560.00} to {$1000.00}. Although property tax went up, this is excessive escrow reserve. Provident Funding is  collecting too much payment for escrow.
About 5-6 months ago early morning I received a call from someone claimed representative of Western Union, I was immediately informed what the call is all about. Per caller it's " Consumer interview '' and told me Ill be ask to provide some personal information in order to continue the use of their service. I asked if it's a mandatory and the caller said no, in response I said I don't want to participate and don't want myself to get involved, the caller responded saying I might loose my Western Union access sending money local/international if I didnt participate. I explained, I have no issues whatsoever participating and providing information to anyone or anybody specially if it's government/federal required, I continued and said my only concern is the authenticity of his call as I dont know if hes really from Western Union as he claim he was. I continued and even ask if there's any number I could call from Western Union or other means to do it so I could provide the company what information they might need to continue my use of their service, I explained further that my hesitation and non-participation to phone interview is due to the recent incident of hacking to my wife 's email account whereas Western Union MTCN I sent her was compromised. Call lasted about 5mins and ended without giving me any other option, caller just reiterate that I might loose my Western Union access sending money. Weeks later I found myself loosing access with all credits in it I earned from using the services. I called Western Union dozen times to report what happened and was told many different things i.e. System glitch, System maintenance and many others and that I could try again next time but still no luck. Few more phone calls and long hours wait before I finally redirected to the right team, they explained what happened and what needs to be done to rectify and reinstate my account, I was compliant with ALL requirements they need and ask of me, unfortunately 5-6 months passed and the issue hasn't been rectified.
Bank of America opened a credit card account in my name without my authorization, at the same time I opened a checking account with them.
I, wish to report in this complaint Ocwen Loan Servicer for fraudulent business and predatory lending practices. The aforementioned has harassed and threatened me in it 's attempt to have me to enter into a Mortgage Loan Modification, that they have no authorization to do so. They have provided fraudulent information to support their attempts, misleading and inaccurate, outdated data that has no bearing on this matter. The DEED of TRUST that I entered into was with Litton Loan Servicing and when they went out of business that agreement was legally null and void, and non-transferable. I have not entered into any agreement with the aforementioned entity, and will not do so at this time. They have no authority or standing, to pursue this matter which has now become predatory in nature in their relentless pursuit.
I 'm on XXXX, when I finally won my case I needed a bank so I can have my checks directly deposited. I opted for a Netspend card, I thought I had researched it, but apparently not. The check I received from XXXX was {$75000.00} I had made some Purchases, then I noticed money was disappearing, charges were made from XXXX for a cell phone unlock thing. I do n't have a cell phone. Double charges, That was how I noticed I was being ripped off. I contacted Netspend, nothing, they hang up on me, tell me lies, I come to find out that its an offshore call center. The first thing they ask you is your SS #. There is so much to this., We finally got somebody from Netspend in the XXXX to talk to us, but then he gave us the run around. Lied to us, did absolutely nothing to help. He even said he would send me a copy of my account info, when he did they charged me {$5.00} for it. Bottom line is I 'm missing at least {$20000.00}. My family and I spend a year homeless because of my XXXX, we 're about to be there again. I need my money. All I want is my money back. If you check online on how many complaints there really are on this company, in the last month alone, its crazy and wrong. This company should not be in business.
I was applying for an apartment and kept getting denied because they can not pull my Equifax credit score nor report because its saying I dont have a score. I contacted my creditors to make sure it was not a problem with wrong information. My creditors is reporting my credit to Equifax but they is not postings it on my credit file nor giving me a score.
I have notified the credit bureau on several occasions that the reporting of XXXX is incorrect. I have obtained a letter from XXXX verifying that my account with them was current and that there are NOT suppose to be any lates reporting on my credit report. XXXX told me that all negative reporting should be removed and they would give me a letter verifying this information, which they did. I have forwarded the letter to the credit bureaus reflecting that my account needs to be reported as current with no lates on the report. However, due to the credit bureaus negligence, I have applied for credit and their false reporting has affected me in getting a loan. I was denied credit based upon their negligence in credit reporting and the credit bureau should be assessed a hefty fine due to their negligence.
Receivables Performance Management ( RPM ) LLC is reporting a collections account on my credit reports for the amount of {$550.00}. The original creditor for this debt is XXXX 

In early XXXX 2016, I sent a debt validation letter to RPM. ( Please see attached ). I received a response from RPM dated XXXX XXXX, 2016 which states " Upon completion of our investigation, we do not have sufficient information at this time to make a determination of the dispute. '' ( Please see attached ) I strongly believe that RPM should delete this account from my credit reports. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of this debt. Pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA, RPM has the statutory obligation to provide me with : Proof of my agreement to pay the original creditor ; A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest and other charges ; and for all other charges, the date of and basis for each charge. 
Agreement with your client that grants you the authority to collect on this alleged debt. 
Verification that this debt was assigned or sold to a collector. 
Complete accounting of the alleged debt. 
Commission for debt collector if collection efforts are successful. 

RPM has failed to provide any of the above information. 

As such, I respectfully request the Consumer Financial Protection Bureau to intervene and request RPM to either provide the legal documentation I requested when I sought validation of this debt or remove this account from my credit reports.
I have made a couple of attempts to apply for a secured card. I was told my transactions were not verified although I contacted my bank so that my information could be confirmed. I suspect that the issuer is attempting to undermine my attempts at obtaining credit with them even though it is a secured credit card
On XX/XX/2018 was my official day of receiving Welfare in the State of New York I went to ATM TD Bank on XXXX XXXX, XXXX and the newly install ATM in this Bank or Store did not accept the EBT Debt Card from the State of New York Welfare and I was not able to withdraw money from the EBT Debt Card is this legal that EBT Card is not able to used in this bank or store and is the United States Department of Agriculture aware that many or the ATM in the United States are not acceptable or capable of reading the EBT Cards and is this legal please investigate and all misconduct and mismanagement found all individuals involve be converted according to United States Federal Regulations
The Homestead Lien Contract and Deed of Trust dated XXXX XXXX, 2005 on our XXXX acres and home was misfiled as a " Homestead Lien Contract and Deed of Trust '' and should have been a simple Deed of Trust securing the Note - not creating a home equity loan. We relied on the knowledge and expertise of XXXX XXXX XXXX in Texas Mortgage Law to be correct ; however, this does not appear to be justified. This filing should never been designated as a " Home Equity '' loan. My letter of XXXX/XXXX/2015 was arbitrarily dismissed without citing any specific error in my position. My letter of XXXX/XXXX/2015 cited Texas Statute as to the error in the mortgage documents filed. I can not get a response from the lender beyond they are researching - for the last 6 months.
On XXXX XXXX, 2017 visited XXXX XXXX in XXXX Al. I specifically told salesman XXXX, that i didnt want my credit pulled ... i kept repeating that to him. He reassured me that it wasnt gon na be pulled ... He was taking a long time in the underwriters office so i walked in and there was my credit report pulled and all notofications of a hard pull was coming to my phone.. This made me furious. Then XXXX says, what my score is and speaks about my report..then he pushed a paper towards me saying here sign this this is for me pulling your credit ... But I TOLD YOU ALL NOT TO PULL.. SO NOW im stuck having to deal with all these erroneous inquiries.
I believed that all of my payday loans were paid. I have not received any information regarding this debt from XXXX XXXX XXXX. I spoke with a man from XXXX XXXX, after an electronic phone message was left on my coworkers phone. I called the number listed in the message ( XXXX ), and they had no record of me. I then called the number that left the message ( XXXX ), and he said he was from XXXX XXXX, and that he was trying to to collect on a debt from XXXX XXXX XXXX. I asked him for written verification and the address where the alleged written communication was sent. He stated that it was to an address that I have not lived at since XX/XX/2011. He stated that he did not have any documentation and that I needed to set up payment arrangements. When I asked how I could get some type of documentation, he said, " ok since you are not willing to pay, I will forward your case to the court and you can wait to be served by them. '' I looked up the company, XXXX, and the contact information is wrong.
On XXXX XXXX, 2015 I called spoke with XXXX XXXX of United Recovery Systems and agreed to pay the full settlement amount of {$620.00} which would close out the account completely. On XXXX XXXX, 2015 I called and spoke to XXXX XXXX on why the account is not closed and she explained to me that there is a remaining balance of {$400.00} due on the account.
IC Systems Collection agency reported a alleged medical debt of {$1400.00} to the credit reporting agency from XX/XX/XXXX I received a credit alert. I contacted the collection agency on XX/XX/XXXX and question the debt and why I was not notified in writing, which the letter was then sent a week after my telephone. I have repeatedly verbally ask the collection agency to validate this debt by sending me documentation and not just a itemized bill. I asked that it can be sent either from them OR the original creditor directly to me due to any HIPPA laws. I have called to follow up on several occasions.Dates of contact were XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I kept getting the same response " the original creditor has not responded ''. I sent a electronic request via IC Systems Collections website to dispute on XX/XX/XXXX, again no information was sent and I lastly sent a certified letter on XX/XX/XXXX. This is becoming so overwhelming and is also effecting my credit score.
I had rolled over my IRA from XXXX XXXX XXXX to Santander Bank. On or about XX/XX/2018 I had closed my IRA account at Santander Bank. I had been told by my tax accountant that my 1099 R  should be coded as a " G '' for a rollover. I received a letter from Santander that it was a rollover ; however, I do not see anywhere on the 1099 R that says rollover or " G ''. I had contacted Santander customer service and was told that there is no way for a customer to speak to anyone in their IRA Department and that they would have to open a case on my behalf. I then tried to contact corporate escalations but to no avail. The representative who I had spoken to had kept me on hold two times for an inordinate amount of time saying she was going to verify my account but never returned to the line or called me back. I have to get a clarification on this issue as it will greatly impact my taxes if Santander didn't report it to the IRS as a " rollover ''. 
What kind of bank does not allow their customers who had an account with them to speak to someone in their IRA Department or any department that may be appropriate??? 
Santander 's banking policies/regulations do not appear to be fair or ethical and should be investigated as such.
i was contacted from XXXX who left a message stating that they were a process server which would attempt XXXX last time to serve me at my residence ( which I no longer live at ) and also at my place of employment and that if I was unable to be served would report to my county court. If I had any questions to call the debtor at XXXX and give the ref #. I called and was transferred to several people before I got to XXXX XXXX whose direct phone number is XXXX and offered me a settlement amount of {$450.00} as a onetime payment by the end of the month on a balance of {$610.00} or he could divide the payment into XXXX equal payments for a total of {$610.00}. I asked XXXX how did I know that once the money was paid they would not proceed since It was already supposed to be turned over to the county. He claimed that he checked a national database where there had been no filing to the county court to place a judgement and that as long as payment info ( debit, credi card or prepaid credit card ) was placed on file he could stop legal proceedings and the entire {$450.00} had to be paid by XXXX/XXXX/15. I advised XXXX I would not make any settlement without being provided with something in writing. so I was emailed a letter stating that the balance due was {$1200.00} with a settlement offer of {$450.00}. Not the initial {$610.00} that he stated multiple times over the phone.
I wrote Transunion on XXXX XXXX. I reviewed their investigation results and let them clearly know I did NOT dispute their findings ( letter attached ). I received a response from them date XXXX XXXX. They did not take anything I asked out of that dispute status. Because of this my mortgage person can not get me approved for a mortgage.
Account from XXXX XXXX. 
The whole account Balance of {$360.00} for XXXX XXXX was paid in person, was paid in full and in cash, back on XX/XX/2018after the customer service representative in the store denied taking my payment because I was using a Debit Card with a Visa Logo and had a chip. 
They did not gave Me a received Because it couldn't print but later that day I did received proof of payment by e-mail from XXXX XXXX. After a week the payment was never posted to the account, so I requested an investigation. After weeks in some of the Credit Bureaus it was update that the account was paid in full. But an about two months later I received a letter stating that they couldn't find the payment so they reverse all charges. Not only that they reduce my credit line from {$8000.00} down to {$500.00} dollars they also closed the account. 
Now they ( XXXX XXXX ) is reporting the account every month to Credit Agencies being late and are charging every month late fees.
Inaccurate closing documentation was signed at closing. They set our loan up knowing we could n't afford the payments. We were told to just make the payments for 2 years and then refinance the loan to where we could afford it. After many complaints to them they have yet to resolve setup and delivery issues. We had to hire an attorney to help get this fixed. We tried to get them to modify our loan to make it more affordable and they refused.
I WENT OBED ON XXXX XXXX WHENI WOKE UP IT WAS MONEY MISSING OFF MY CARD I CALLED RUSH CARD TO DESPUTE AND WAS ON THE PHONE WITH THE FRUAD DEPARTMENT MORE MONEY STARTED TO COME OFF MY CARD BE FORE SHE STOPPED MY CARDS THEY TOOK A TOTAL OF {$2400.00} I WAS TOLD THAT I NEED TO COMPLETE THE FORMS AND THEY WOULD EMAIL XXXX THE FORMS IT WOULD TAKE 3 HOURS IT TOOK OVER 5 CALLS AND 18 HOURS TO RECIEVE I FILED A POLICE REPORT AND COMPLETED THE FORMS AND FAX BACK IN ON XX/XX/2017 THEY EVEN WIRED ME MONEY OFF MY ACCOUNT BECAUSE I DIDNT HAVE MONEY TO GET TO WORK TILL I GOT MY NEW CARD I SPOKE TO MULTIPLE CSR EVERYDAY AT RUSH CARD THAT SIAD MONEY WILL BE RETURNED ON OR BEFORE THE XXXX OF XXXX ON XXXX XXXX AT ABOUT XXXX I SOPKE WITH A REP AND WAS TOLD THAT IT WILL BE BACK ON MY CARDLATER THAT DAY I CALLED BACK LATER WAS TOLD THAT IT WAS A DECISON MADE AND I WASNT GETTING MY MONEY BACK I HAVE APPELLED THE DECISON AND IS REQUSTED FOR ARBITRATION
On XXXX XXXX, 2015 my dog was attacked by another dog. As she was bleeding out in the middle of the night, I took her to the vet, but was not able to pay for the emergency surgery out of pocket. The vet had me apply for Care Credit, which covered {$500.00} of the expenses. I am now trying to pay my bill. I, understandably, was a bit distressed during the application process and do not remember my log in information. So, I have been trying to call the company at their published number of XXXX. When I call, all that happens is I am congratulated on being eligible for special offers, which I decline, only to be met with another offer and another and another until finally I am given another number. When I call that number, the ads begin again. I want to pay my bill. I do not want this to negatively affect my credit, but this company is obviously actively making that a very difficult thing to accomplish. I would appreciate if someone cracked down on them. They are obviously not legitimate and are making money off of emergency situations, then making it so difficult to pay a bill that they compound the payments owed by creating a situation in which consumers have no choice but to be late on their payments.
On XXXX/XXXX/XXXX I tried to manage my netSpend acct on line but found it blocked. Upon contacting customer service I was advised that my acct had been closed on XXXX/XXXX/XXXX for " unacceptable acct usage pattern '' and that I was " no longer eligible for netSpend services. '' I waited 45 minutes for a supervisor who informed me that she could not tell the exact reason as my acct was closed by XXXX, but said they did not have the phone number for their parent company. On XXXX/XXXX/XXXX I called XXXX to inqure further about the reason for my acct closure. XXXX denied any responsibility for acct terminations which the rep assured me was at the sole discretion of netSpend. On XXXX/XXXX/XXXX I contacted netSpend and spoke to a supervisor again attempting to obtain an understanding of what transpired with my acct. This time I was told that such information was not available since my acct was " no longer accessible '' due to its closure. When I asked for the regulatory agency responsible for netSpend operations, I was transferred to the risk management voicemail line. I left a clear message with my information. As of XXXX/XXXX/XXXX, I have not received a call back. On XXXX/XXXX/XXXX I received a check from netSpend for {$44.00}, the balance from my acct at time of closure.
I am complaining by a recent attempt by Citibank to improperly and without cause charge me {$32.00} interest on credit card purchases last month. I check my balance online every day on their website and WE NEVER RUN A BALANCE. I pay several times a month online. I do n't like paying interest charges. Their annual fee is enough. I called them today and they said that I actually DID HAVE a balance but that it was n't showing up on my screen! I said, " Then it 's a software issue for Citi, not a payment issue for the consumer. Their new website is misleading. It is an attempt to hoodwink consumers! Call me anytime for details. OUTRAGEOUS behavior to up their numbers for the quarter.