WillisBack/dataset-financial-user-claim huggingface dataset:
I am XXXX XXXX XXXX. Have health issues. Provided my son a list of creditors, banks, a brokerage house. When I die, he 'll be able to communicate ; close accounts. Receive in return, outstanding investments. <P/>I created this policy at least a year ago. From time to time, contact creditors and such, to verify that the information I provided my son is accurate. <P/>XXXX XXXX XXXX, I entered Fifth Third Bank, XXXX XXXX XXXX, XXXX, FL XXXX. Ph. # XXXX XXXX. Communicated with XXXX XXXX, Personal Banker II. <P/>Ask that he update procedures ; what my son most provide / accomplish, to close my checking account when I die. <P/>Was informed, ''-Send a copy of the death certificate. '' I was astounded. Asked if it need be a copy or an original death certificate. '' The response, ''-A copy is fine. '' XXXX XXXX indicated that my son is the designated beneficiary.. Mentioned, ''-we do n't have his social security number. We 'll need that. '' Was told to come back after lunch as XXXX XXXX 's lunch hour approached .... some 30 to 40 minutes later. ( For the record, I am a seven minute ride, give or take from this office. ) Upon arriving home I reviewed my documents ; Fifth Third Bank ; Policies/Procedures. Discovered when I opened the account I was instructed, when my son contacts the bank to close the account, he must provide an Original Death Certificate, a copy of his drivers license and a notarized letter indicating he is the beneficiary. What he wants the bank to do to fulfill his requests. <P/>Upon returning to the desk of XXXX XXXX, I mentioned my discovery, as mentioned above. He replied, ''-well, yeah. That would be useful as well. '' When I asked why the person who opened the account did n't request my son 's social security number, he simply could not explain why. <P/>Upon leaving this bank, I went to a XXXX location. Shared with a representative what I mentioned to you. <P/>The Representative stated, ''-there is no reason why you would have to surrender your son 's social security number to him. '' Woa! <P/>I realized that my notes ; Policies and Procedures, concerning clearing the account, that XXXX XXXX did NOT indicate that my son must present his Soc. Secur. Card. <P/>THERE IS LEGITIMATE REASON WHY XXXX XXXX DEMANDED THE SOCIAL SECURITY NUMBER OF MY SON! <P/>I phoned Fifth Third Bank-HQ this morning. No one provided Policy & Procedures. Demanded that my son 's Soc. Secur. number be purged from 5th 3rd. computer. Was told I 'd be contacted within 24-48 hours. <P/>I stated that I receive a letter indicating my son 's Soc. Secur. number was purged. <P/>I AM horrified. Dejected. Believe I put my son 's security / life and his family 's in HARMS WAY! <P/>Help me! I believe I have been intentionally deceived. Do what must be accomplished. <P/>Thank you. <P/>XXXX XXXX XXXX XXXX XXXX, XXXX , FL XXXX Ph # XXXX XXXX Screen name ; XXXX
The student loan company refused to allow income based repayments while in school. Furthermore they failed to adhere to proper income based repayment structuring. The company continually improperly advised the student such that they would collect the maximum interest thereby making it impossible to payoff. Finally they have reported the loans in delinquent status while on automatic payments are being bade and are in full compliance. With approximately 7 % interest on the loans the interest alone is {$25000.00} a year which is compounding into the principle is increasing yearly.
XXXX XXXX and Transunion continues to PARROT unverified inaccurate information on my CR. CFPB the attachments confirms these accounts are inaccurate and can not be verified. The reporting agencies identified are in violation of the FCRA. XXXX XXXX  Reports charge off but performs a unrequested fraud investigation. I DID NOT REQUEST A FRAUD INVESTIGATION ON ANY ACCOUNTS THROUGH XXXXXXXX XXXX!
XXXX XXXX XXXX Reported an account in tantamount of XXXX all.three credit bureaus. I have no knowledge of this account and I asked company to please accurately validate the debt since I am.disputing the debt. The company never honored my dispute request. this company just reported these accounts without validation or giving me the opportunity to dispute The information listed on on the credit bureaus are wrong. XXXX have a open fate of XXXX 2017 and an amount owed of XXXX, which I do not have any account in that amount that I owe.
I was contacted by Midland Credit Management in XX/XX/XXXX on an account that gone into collections. I was told by the rep that once this debt was paid, it would be reported to the Credit Bureaus for DELETION! I made arrangements and paid this debt XX/XX/2016. It is now going on XX/XX/XXXX, and this collection is still showing on my account.
XXXX XXXX XXXX XXXX ( XXXX XXXX ) provided misinformation on Cash to Close amount needed. The amount disclosed to Buyer, prior to closing, ranged from approximately {$4000.00} to {$6000.00}. 
XXXX sent Buyer a Closing Disclosure on XX/XX/XXXX, just three days before Closing, which showed Cash to Close {$5100.00}. However, 45 minutes after Closing had commenced, Buyer was notified that {$22000.00} would be needed to Close on the Property. Cash to Close cost of {$22000.00} was never discussed nor disclosed to the Buyer at any time leading up to Closing. 

- The Buyer inquired numerous times, by phone call and through electronic correspondence, to the amount that would be needed to Close on the XXXX property. XXXX XXXX email dated XX/XX/XXXX estimated Closing Cost at {$4900.00}. XXXX XXXX and XXXX XXXX forwarded documents that reassured Buyer that Closing Cost would be affordable and in Buyers affordability range. 
- XX/XX/XXXX Buyer received Loan Estimate from XXXX XXXX XXXX Estimated Cash to Close : {$6400.00} - XX/XX/XXXX Buyer received Loan Estimate from XXXX XXXX XXXX   Estimated Cash to Close : {$4900.00} - XX/XX/XXXX ( 3 Days prior to Closing ) Buyer received Loan Estimate from XXXX XXXX XXXX Estimated Cash to Close : {$5100.00} - XX/XX/XXXX ( Day of Closing + 45 minutes into Closing ) Buyer received Final Closing Disclosure from XXXX XXXX XXXX Estimated Cash to Close : {$22000.00}.
I have contacted the company in writing and on XXXX to verify this debt which they have not! It says originally from XXXX and I have had XXXX for the last 9 years so if it 's accurate it 's way old. They will not contact me back. I have even emailed and called to say I would like to resolve it and instead of contacting me they have now made it a charge off on my credit! It 's a very small amount of money and I would like it off my credit! I feel as though they would rather ruin credit than resolve issues! I 'm a single mother trying to purchase a home for us and this is causing problems for me over {$500.00}.
They have been calling and harassing me even though I told them I will pay them by a certain date. They got ahold my work number and called me on it. He refused to hang up, he was threatening me with legal actions and he instructed me to get the money from wherever I can even though I did n't have it for another two weeks. I told him I was 3 months XXXX and I can not have this kind of XXXX and I will pay them in 14 days, he would not listen just kept on going on about how I can ask someone for money to pay them. 
They are calling me multiple times a day and this time when I picked up and explained again the situation the manager was rude, harassing.
We used Umqua bank bill pay at the beginning of this year. I have submitted a complaint before earlier this month. Umqua never called me and only looked at XX/XX/XXXX of this year. A late payment on our credit would not show up this fast. I have called the bank twice with no return call. XXXX of the payments we used Umqua 's bill pay for was over XXXX days late. We had this figured out earlier this year between the XXXX banks. When XXXX puts their full faith in bank to do the right thing and they do n't and make a mistake, XXXX expects them to make it right. They did not even call us to get our side, They just did nothing but look at the last month and close the case. I can not even get a return phone call.If we had known that Umqua writes a check and then puts it in the mail instead of an electronic transfer of funds we would not have used it. Again my concerns were not addressed and I was not even contacted by Umqua bank. I went with them because they took no TARP money and I was told their service was top notch, I am beginning to wonder now if my faith is placed correctly
Improper inquiries were placed on report and not properly investigated by Transunion. 
As followed XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX/XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Unauthorized accounts have not been verified after several request XXXX acct # XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX
On XXXX XXXX, 2017 I sent a certified letter to Equifax asking them to investigate and validate the following two accounts on my credit report. 
XXXX XXXX XXXX XXXX Equifax sent letters back saying they were verified. I sent another certified letter on XXXX XXXX, 2017 for XXXX XXXX and on XXXX XXXX, 2017, for XXXX XXXX, informing them that they failed to verify the accounts, asking for a re-investigation and the method of verification of both accounts. I also asked them to provide me with documents bearing my signature, showing that I have a legally binding contractual obligation to pay the creditors the exact amount claimed. On XXXX XXXX, 2017 I received a letter saying the same thing for XXXX XXXX verified. On XXXX XXXX, 2017 I received another letter saying verified for XXXX XXXX. 

This is a violation of the XXXX XXXX XXXX XXXX
I received a letter from XXXX XXXX ( a dept collection company ) on X/X/2017 informing me that they were the legal owner of a dept I owed from more than 20 years ago. I called the agency to gather more info and the collector went on to tell me they had access to FBI files and he could give me the name of my neighbor if he wanted. He also said they we 're going to file a judgement and the debt would be on my credit report for 6 years. I do not believe I owe this debt and the practices used during the phone call were very threatening. I am also worried that this company obtained my personal information for fraudulent purposes.
This morning at XXXX CST I received an email from XXXX of my Credit Cards - XXXX Bank for XXXX Credit that XXXX payments legitimately made from a joint banking account with Bank of America were advised unauthorized. The amounts are as follows : {$97.00} $ XXXX XXXX Bank for XXXX Credit they received the dispute on XXXX XXXX, 2015 from Bank of America XXXX I have proof that the individual that is making these disputes on the Bank of America account was also an authorized user on the XXXX Bank for XXXX XXXX account. This seems to be an on-going matter with Bank of America allowing payments to be disputed and not doing a proper investigation on this matter. This is a direct violation of their fiduciary duty and they ca n't allow payments to any vendor to be removed. I was an active user on the Bank of America account until XXXX/XXXX/15 - I have proof that I was an authorized user on the account that the disputes were coming from.This is completely affecting my credit and I should n't have to pay for something that was authorized. My ex became extremely abusive hence the reason why I removed myself from the account on XXXX/XXXX/15. I do not think it is fair that they are allowing this foolishness to happen.
XX/XX/XXXX2017, I called DCI for more information about their {$280.00} collections on my credit report. The first collector stated that DCI failed to send out a validation letter informing me of my right to dispute as a result of a Do Not Call Request. He went on to say that the original creditor sent notice and refused to explain to me why his employer, DCI ceased written corrospondents. He ended the call by stating that he could no longer help me. I warned him not to terminate the call. I called back and spoke with someone who identified himself as a Project Manager who begin to repeat an inverted form of my address to me in an attempt to suggest that DCI had the incorrect address. I summarized the previous call to him and he chose to imply that I did n't understand what a validation letter. The manager contradicted the previous collector 's responses and insisted that the Do Not Call Request was instead a request for DCI not to contact me at all. Both collectors interrupted me repeatedly and refused to answer my questions regarding validation of debt. My credit score has dropped 34 points as recently as this morning. How do I rectify this situation?
Attached are scanned copies of the five Zero Coupon Certificates which my father bought years ago for my daughter 's college education. He died before he gave them to me. After Mom died, I found them in a box of Dad 's stuff. Neither Mom nor I knew that he had these. For the past three years I have been trying to cash them. But no one at Wells Fargo will honor them. According to several former employees of XXXX XXXX XXXX  ( which Wells Fargo bought out ) these are checks and records were not kept on their sale. I was told that there is no way anyone could have gotten the money because the original checks were required to cash these in. I realize that in the early XX/XX/XXXXXXXX XXXX someone at Wells Fargo might have known what these are. But now no one seems to remember Zero Coupon Certificates. The five Certificates total {$30000.00}. In XX/XX/XXXX my father purchased one Zero Coupon Certificate in the amount of {$5000.00}. in my name as custodian for my daughter. The funds were to mature on XX/XX/XXXX.In XX/XX/XXXX my father purchased four more Zero Coupon Certificates in my name as custodian. One coupon was to mature each year for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The plan was to provide college money of {$7500.00} per year. Grand total of {$30000.00}. My father died XXXX XX/XX/XXXX, without telling the family about these Zero Coupon Certificates.
( XX/XX/2018 ) I called XXXX this morning to rectify the problem and I got disrespected, insulted, the customer service reps said things like " I don't care '' or they would keep hanging up in my face like little kids instead of addressing the problems. XXXX will print out anything from their computer and claim it as being true when in actuality its a lie, glitch or error. XXXX kept hanging up in my face while saying " Why do you keep calling in? '' I answered " Because you keep hanging up in my face ''. Lastly I spoke with a XXXX  representative that refused to give me his name, he said he was from the XXXX branch within XXXX, He identified himself as " XXXX '' which I thought was very strange. The guy preceded to insult me and speak to me with a condescending attitude. The XXXX rep behaved like a child, repeatedly hanging up in my face and joking around on the phone, finally instead of addressing the problem the XXXX rep said He was calling the police on me for harassing and threatening him. He also said he would do everything in his power to keep reporting negative fraudulent things into my credit reports. After he threatened to have me arrested for calling about my problem I knew XXXX was/Is a criminal enterprise! Why does the US Dept. of Education do business with fraudulent criminals? I went to the XXXX police department to check and see if XXXX filed a false police report against me and they said that XXXX could not do that and they wouldn't take a police report on that if they did. XXXX does illegal things when dealing with students/customers and I would like something done about it.
It comes time to start paying my stu dent loans. Navient is handling  my student loans, and after mailing them a check they took the money, and did n't attribute it to my payments. Effectively stealing my money. The money disappeared  XXXX / XXXX / 17  Check #  XXXX   ( Converted ACH ) NAVIENT CHECKPAYMT {$140.00}. All I see when logging in is capitalized interest with " no payments '' ( trying to steal more money by means of interest it seems ). I t ried calling them on  XXXX / XXXX / 17 , and was told by a representative that I sent the check to the wrong office. I was also told they would send the check back to me. Even if they do send the check back, they have still taken the money. I have no idea what to do.
This company called using my name and threatened to see me or my son in court. I laughed them off and said go right ahead - thinking, " this is a scam ''. I looked up the number and found it to be a real company so, I called them back to complain about the threatening tactics being used. I spoke with the same individual as the first call. He informed me, " it 's a good thing you called back '' - again implying that he was going to get me. When the company representative gave me the full name of the individual he was looking for it was established I was not that person and the person he was looking for had put my number down as a secondary contact number ( not sure I believe that ). These people threatened me without any knowledge I was the person they were looking for and given their business I fear what might happen to my good name and credit rating.
On XX/XX/XXXX, my wife and I were involved in a car accident. Due to injuries we both suffered my wifes doctor did not allow her to return when her long term XXXX ran out, she lost her employment. She did however find a job in XX/XX/XXXX. Due to the initial job loss we fell behind on payments and applied for a loan modification. We were approved for the loan modification on or around XX/XX/XXXX my wife had significant XXXX XXXX and was unable to drive the 30 minutes to work, we tried XXXX XXXX, XXXX XXXX and XXXX XXXX. 
Nothing worked to help her with the pain and the doctor recommended XXXX XXXX in XX/XX/XXXX so again, she lost her employment as a result of injuries from the car accident. She was working through a temporary agency so they would not hold her job for her. In XX/XX/XXXX, I was told I had an XXXX in my XXXX due to my XXXX XXXX XXXX in the car accident, pieces of my partial XXXX XXXX broke off. In order to save my leg I had to have my XXXX XXXX, I was on XXXX XXXX for six weeks and then a total XXXX XXXX was done on XX/XX/XXXX. I work construction so I can not return to work for 3-4 months after my final XXXX. All in all I will be off from XX/XX/XXXX- MXX/XX/XXXX. As the primary income earner this is a hardship for my family. I have tried working with my lender and they said they have no programs that can help me since I have had a loan modification. XXXX XXXX said I will be eligible in two years. Meanwhile, we get hundreds of calls a week from Wells Fargo they send us letters saying they would like to sit down in person and go over the option but when I asked for someone to come here they said they dont actually do that. I should be eligible for some type of hardship since due to no fault of our own neither my wife or myself are able to work. Also when Wells Fargo did the loan modification they only lowered the payment by {$100.00} or so, this really wasnt enough to compensate for losing {$70000.00} In income. I feel it is unfair to charge someone such a high mortgage payment when they come to you for help. They are also making us pay mortgage insurance which is {$200.00} a month and out loan is paid down enough where that should no longer be an issue. They have delivered foreclosure payments to our child when he answered the door and have made me want to change my phone number because they call from early in the morning until XXXX XXXX XXXX at night. Its hard enough to lose your job due to injury but to wake up every morning to collection calls is horrible- they dont even stop calling us on the weekends.
I took a personal check to my complex to pay rent, and I went to my bank later that day to deposit money into my bank & it has the available balance on the account & my complex did n't cash the check till  XXXX  that night. The night of  XXXX   XXXX . My check bounced, and I never got notified of this problem until my complex had told me it had bounced, now I have to pay an extra {$200.00} of late fee 's now I ca n't pay my other bills. I tried talking to my complex & they said they ca n't wave the fee to try and get the bank to pay for the late fee 's since it was on them. I tried calling them & they said there is nothing they could possibly do. All they could say was that they were sorry, I 'm just really frustrated because now I 'm  XXXX  $ short on my other bills. This is regarding chase bank.
This Keybank/XXXX loan was to pay XXXX, The XXXX. I am on a graduated payment plan, but it is about to balloon more than XXXX the amount I am paying now and they said I have no options. I explained I am a single mom who is currently homeless and with a XXXX ( staying with friends and family ) and would n't be able to afford {$400.00} per month. My net income last year was XXXX. My XXXX may be able to support that much next year but not this year. They refused to refinance me. They said I do n't have any options. It feels illegal and wrong somehow. I 'm still willing to pay I just ca n't afford that much right now. I 'm begging for your help.
First Midwest Bank is a predator for poor people. 

I am constantly charged excessive overdraft fees even when my account is not in the negative. I estimate about {$500.00} a month in over drafts and extended over draft fees each month from this bank. 

In the month of XXXX I deposited a total of {$5500.00}. I spent a total of {$4100.00} and I paid a total of {$490.00} in overdraft fees. 

XX/XX/2018 I received a direct deposit for {$920.00} and received an Overdraft fee of {$32.00} the same day. 

XX/XX/2018 the day of my direct deposit I got an over draft fee the same day for {$36.00}. 

On XX/XX/2018 I reviewed a direct deposit payment of {$1800.00} I made purchases of {$180.00}, {$12.00}, {$1500.00}, {$3.00}. and the next charge that exact same day is a CONTINUOUS OVER FRAFT FEE FOR {$32.00}. 

On XX/XX/2018 I has a direct deposit go in for {$1800.00}. My account was not in the negative however the following day I was still charged an overdraft fee. 

On XX/XX/2018 I deposited cash to cover a check that had not yet cleared my cash was held the for days and I was again charged an overdraft fee even though I provided funds to cover it. 

If you deposit cash in a branch or at the ATM it is held like a check. This bank does not trust CASH. 

No transaction is ever declined. They will except any transaction rather you are in the red or not in order to charge more fees. 

There are virtually no ATMs for this bank except for the branches so you are charged fees from both First Midwest and the ATM service to access any cash. I have been charged as many as 5 overdraft fees in one day. 

You don't even get until the end of business to cover a transaction if it posts early. I get charged a fee before a transaction is even cleared. 

Almost half of my income is going to overdraft fees. It has become impossible to manage my account because of this. I make $ XXXX a year and I can barely cover my living expenses because First Midwest is  literally robbing my account as soon as I get a dollar. 

They have never offered me a resolution. I find a way to justify each transaction and will even go so far as to yell at you. I fell like a victim. This is the worst back I have ever done business with and I have had a bank account since I was XXXX and I am now XXXX years old.
My wife and I purchased a car from XXXX XXXX XXXX back in XX/XX/2014. When my wife started her XXXX treatment, we realized we were in need of filing bankruptcy. Before filing, we took the car back to the dealership and let them know we were unable to keep it. The charge off on our credit is {$6700.00}