WillisBack/dataset-financial-user-claim huggingface dataset:
Amount : {$520.00} Transfer Date : X/XX/2018 Company : XXXX XXXX : XXXX Issue Ticket # XXXX Customer Support Request ( # XXXX Status : My XXXX account is Frozen. I have made multiple request for a link or copy of their policy and procedure have have received no response. 

Background : My friend and I have expressed interest in investing in cryptocurrency called, XXXX ( XXXX XXXX XXXX ). This cryptocurrency is afflicated with XXXX which is an e-sports company which boast XXXX XXXX as one of main investors. 
We settled on an amount to purchase and I purchased the coin via a Crypto Exchange. Since I initiated the puchased, he owed me for half of the amount I investing ( {$1000.00}, so he owe me {$520.00} ) Situation/Issue : He sent me the payment via XXXX, and he added a comment with " XXXX Coin. '' Upon transfer, the transfer was immediately flagged and now it placed on hold indefinitely until I provide proof of what this transfer was far. 

I complied with their request with providing the purpose of the payment and it is currently pending. 

The issue I have with the hold is that it 's unsettling that here are screening messages on peer to peer money transfer. 

My friend could have easily put, " Rent '' or " What I owe you '' but because he put " XXXX Coin '' in a reference to a coin XXXX XXXX is supporting it was flagged as suspicious because they believe I do business with XXXX or ate XXXX food, or smoked a XXXX cigar. 

XXXX could have cancelled the transfer instead they have placed it on hold. Meanwhile since the transfer is on hold, XXXX is early float interest. 
I have already informed them that I will be filing a complaint to the FTC. 

The first issue is that is the sender can add the silliest, inane, and unrelated comment/tags to a payment and the recipients have no control over that. However even though we, the recipient, did not add the comment, we are held accountable for providing additional documentation. 

The second issue is I suspect is engaging in this practice as a means to earn float interest while the transfer is on hold. I talked to my friend and he told me the amount was debited to the account. 

I have nothing to hide, I do not do any business with XXXX and it 's not my fault that XXXX took the comment out of contact nor is it my fault that my friend put that comment, that was and still is out of my control. I can not control the comments put on money transfer. He could have put the most vile comments and it would still be out of my control. 

The larger concern is that they XXXX are auditing comments and invading consumer privacy. 

I am informing you because I feel this is unfair practices and in violation of the Federal Trade Commission Act. 

If you require additional information, I will gladly share all of my correspondence with XXXX  regarding this situation.
Because SunTrust bank has repeatedly under managed our escrow account for home insurance we selected a new home insurance company and paid our annual home insurance premium in advance in XX/XX/XXXX. 
During XXXX and XX/XX/XXXX we repeatedly advised the bank of our action and requested they close the escrow account, refund any escrow balance, and stop collecting insurance payments. 
The Loan Officer said we needed to contact the Insurance department and the insurance department said we needed to contact the Loan Officer. 
We did what they said and provided proof of the insurance policy, its coverage ( in excess of the loan amount ) and showing the bank as designated mortgagee. 
On XX/XX/XXXX we received a letter dated XX/XX/XXXX requesting us to cancel the insurance policy and deposit any refund into escrow. 
We want the bank to close the insurance portion of the escrow account, refund any escrow amount for insurance and stop charging form insurance amounts.
I 've been battling with this company for the last year to get negative and fraudulent account off my credit report. I 've Called this company and asked what they needed.. I 've called the police, the id.gov place. I guess chooses who and when to help a consumer. I need to get this resolved bc my family needs to move and this account and some lates are killing my credit. Please see attached evidence and I have more and can upload if needed. I 've learned so much about the laws and how to protect yourself.
I would like to say I called Each credit reporting agency spoke to their consumer relations department and asked about the student loans I have on my report 12 as a matter of fact 2 for each loan I have they all agreed that yes in fact each loan was reporting twice and that they would have wait on XXXX to tell them there is an and the accounts should be removed how is that possible given that XXXX was given a set of rules " Metro 2 '' Guide lines section 8 of that guide line for student loans says : " For Multiple Disbursements of the Same Loan Combine multiple disbursements into a single account. 
Retain the original Consumer Account Number.

Retain the original Date Opened of the first disbursement.

Increase the Original Loan Amount, Current Balance, and Scheduled Monthly Payment Amount ( when in repayment ) to include totals for all disbursements '' Then even gives and example on how it should report just in case the company on the other side can not read I guess. 

So how is it that Experian XXXX XXXX And XXXX are not aware of the rules or is it they just dont care as to the harm they are causing according to the FRCA '' Asarule, itsillegaltoreportinformationthat youknoworbelieveisinaccurate.Youhave reasonablecausetobelievethatinformationis inaccurateifyouhaveknowledge, otherthan allegationsfromtheconsumer, thatwouldleada reasonablepersontodoubttheaccuracy oftheinformation.FCRASection623 ( a ) ( 1 ) ( A ) '' Are the Willfully Non Complaint UNDER THE FCRA and dont care that they are causing undue harm to myself and my family or are the just untrained and lazy?
Again today I received a call concerning a debt owed by an individiual not known to me. I have already contacted this company to report this but they continue to call.
On XXXX XXXX 2015, I filled out an application w/Bay Equity, LLC to refinance my home. On XXXX XXXX 2015, I paid {$490.00} to have my home appraised per Bay Equity, LLC instructions. The Lender notified me on XXXX XXXX 2015 that they had underwriter 's approval for my loan. Then, I was scheduled for 'closing ' on XXXX XXXX 2015. During the 'closing ' I talked to Bay Equity personnel 3 times at numbers : XXXX & XXXX ; while in the process of signing all relevant documents. At no time during this process did Bay Equity personnel cite any derogatory complaints concerning the funding of my loan. As of XXXX XXXX 2015, I have not received any official documentation from Bay Equity : As to why my loan did not fund? So I have made several attempts ( phone : XXXX ) ; ( email : XXXXXXXXXXXX & XXXXXXXXXXXX ) ; & ( certified mail : Bay Equity Home Loans, LLC, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX ), to inquire without response. I initiated this action after recently ( via Internet ) becoming aware that under Federal Law, Bay Equity, LLC fail to notify me ( in writing ) in 60 days of my 'rights ' under the Equal Credit Opportunity Act after my loan # XXXX was disapproved without warning. End of Statement
XXXX XXXX, never called or sent me any bills. 
My husband recalls that he received 2 calls from a very unclear voice, sounded like an overseas scam. no will even attempt to talk to such phone call. 
Several weeks later, I saw this {$750.00} on my credit report. Not sure what is it for. 
This is not how you get the invoice paid. If I owe you money, send me a detailed bill. For the medical bill, there needs to be a collaboration with the insurance and the doctor office. 

Here is the info on my report XXXX XXXX XXXX
On ~XX/XX/2018, I was trying to make a small purchase on XXXX, in the amount of {$14.00}. I proceeded to make my payment as Ive done many times in the past. My payment option is set up through PayPal, which pulls funds directly from my checking account. I had not purchased anything from XXXX in several months, and while going through the checkout process, I was asked to update my information. I believe an old address was listed, so I updated that ( and maybe a phone # as well ). Typical info that would be needed for purchases. I did not provide my social, my salary or anything thats typically captured during a credit application and in NO WAY did I believe I was applying for a credit line. The next thing I knew, the {$14.00} was added to a PayPal credit line that I was tricked into opening. I contacted PayPal right away. I believe the customer service rep blocked my line, but it couldnt be fully closed until I paid the balance due, and I couldnt pay the balance until my statement dropped ( something along that line ). I was then instructed to wait for an email, alerting me of the amount due and to call back and pay the balance off. So a month+ later, I received the email and had to waste more time calling, paying my balance and then closing the account. 

Now today, XX/XX/2018, I received another letter regarding this credit line, advising that my credit account moved from XXXX XXXX XXXX to XXXX XXXX. Not only have I NEVER heard of these financial institutions, but Im unclear why I would be receiving such a notification if my account was closed and who knows what kind of personal info these banks have on me. 

Im furious that this occurred. PayPal has wasted time I dont have, violated my trust and took advantage of the payment process to trick me. This was incredibly deceptive, to say the least.
My mortgage account is not reflecting correctly on my credit reports, XXXX is showing my account as closed after numerous disputes and documentation sent to prove account is open still no resolution account still showing as closed, contacted my mortgage company they stated that they are reporting the account correctly.
Threatened that I would be sued or was being sued by HSBC. This caller ( with a masked caller ID XXXX stated that '' he did n't want to have to notify XXXX named my employer ) with this '' XXXX take it to them XXXX but had to speak to me TODAY. I researched and found that HSBC might mean any number of companies of credit. I have had no contact with any of those companies in more than XXXX years IF at ALL. I firmly believe that this company is pursuing debts that exceed the statute of limitations and are trying to use bullying tactics to do such. I did contact a financial attorney today and informed him of the issue and the recording I have of the gentleman threatening to contact my employer about a debt I do not owe.
My account information is showing incorrect to the credit reporting agencies, it shows a duplicate past due payment that was already listed in XXXX for 30days past due for a XXXX payment. XXXX 30 day was listed on all 3 credit bureaus XXXX, XXXX, XXXX. since then it has showed back on my report like a recent 30 day past due and this is incorrect as i have made a payment in XXXX and now in XXXX, this has already reported and should be showing as currently behind and is not. I am very upset about this matter as is causing issues now to my credit and have also lossed additional points to my credit that since XX/XX/XXXX with the one 30day past payment i got back. Why am i getting hit again? This account was also closed by the grantors request and i am actively making payments to finish this account off in final.
My employer issued my wages on a business check with funds held at Suntrust Bank. 
I presented the check ( instrument of commerce ) to the Teller at Suntrust Bank. 
They stated that " internal policy '' was that NONE of the THREE ( 3 ) separate forms of Government Issued I.D . 's were " acceptable '' to them to exchange the check for cash ( FRN 's ) Their POLICY violates LAW under the Uniform Commercial Codes - as well as Rules that the Federal Reserve standards for banking. Furthermore - they wanted to charge ME a " fee '' for being a NON DEPOSITOR of their institution. Their branch manager REFUSED to provide me a copy of their Policy, cite any Legal Authority, provide the name of their legal counsel, and stated that I could call their XXXX # to file a complaint with Suntrust. Suntrust is n't operating their Federal Reserve branch offices UNDER THE LAW - or Under Federal Reserve 's Rules - WHO INVESTIGATES CONSUMER 'S COMPLAINTS? I am a SS # AccountHolder Attached to a LEGALNAME - Registered to Operate In Commerce - but - acting as the Agent of my employer in Presentment of the Bill of Exchange - NONE of MY LAST XXXX complaints I 've filed with this " CFPB '' have resulted in any remedy at law - therefore why SHOULD N'T we just shut this " government agency '' DOWN?
XXXX XXXX XXXX, XXXX as the trustee for Option One Mortgage Loan Trust XXXX claims to be holder of the note and claims to have a valid transfer of assignment. We did a title search on X/X/2011 and Option One Mortgage Corporation, a California Corporation was the holder of the note, but a transfer of assignment was filed in XXXX County Land Records office on XX/XX/XXXX, after our mortgage was in default.
On XX/XX/2018 the aforementioned debt collector called my employer 6 to 7 times during the times of XXXX and XXXX. There have been calls prior to this date. Today XXXX XXXX  at approximately XXXX, the debt collection agency was told to stop calling place of employment. I was informed by my employer of this called, and that employment was verified. Debt collector stated otherwise to my husband over the phone.
On XX/XX/XXXX, I attempted to create an account with Equifax to allow me to freeze my credit. The creation seemed to go well, until the last screen where I received an error. Thereafter, whenever I tried to log into my account, I received an error stating " We are temporarily unable to complete this request. '' I am also unable to create a new account, as equifax indicates that an account already exists with my information.

I called equifax at XXXX who explained that there was an error creating my account, but that the matter had been elevated to the specialist department. I tried calling again on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Every time I am told that there is a technical error on the equifax side, and the matter has been escalated. Each time I am told that I should receive a call or email, but I've never received any further contact from someone at equifax. I would simply like to create an account to allow me to freeze/thaw my credit.
This complaint is against Wells Fargo Bank for violations of the terms and conditions of Federal government 's mortgage modification program ( HARP ). Violations of the law include but are not limited to the following:1 ) A blatant miscalculation of income. ( Adding a 25 % increase in income on a household contributor even when it was not supported by fact, law, or the documents submitted ) 2 ) Taking longer than XXXX days to deny the appeal. 
3 ) Not following the guidelines for the application and appeal process set forth by the Federal government for loan modifications. 
4 ) Wells Fargo falsely falsely accused customer of not submitting enough documentation to support appeal of original denial. 
5 ) Customer we given false and conflicting reasons for denial.
This is an FHA mortgage which BOA has violated the HUD regulations regarding counseling ( 24 CFR 203.500, and 203.604 ) prior to initiating foreclosure AND while BOA was in receipt of a complete package did not attempt to cancel a trial and obtained a final judgment and sale date against the property in violation of 12 CFR 1024.41. In addition, after successfully obtaining a final judgment, in violation of 1024.41, BOA did not provide an opportunity to have an extended sale date to allow the borrower to have more time to be properly reviewed for a modification. 
Attached is confirmation of the documents sent to the lender. All documents the lender requested were submitted and complete. On XX/XX/XXXX, the bank requested : Our client has advised that the review can not be completed until the following is submitted:1. Both Non borrowers to provide signed and dated XX/XX/XXXX tax return2. Bank statement shows XXXX XXXX XXXX XXXX XXXX XXXX as mailing address. Borrower to provide signed letter regarding address discrepancy. 
3. Borrower to provide additional bank statements for acct ending in XXXX that is consecutive to XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX 
After submitting all the requested documents on XX/XX/XXXX, we assumed the file would be reviewed, but on XX/XX/XXXX, we were informed an additional, not-previously-requested bank statement was now needed.
Calls from a # that does n't state who they are. Sent cease and desist email and they still call. Never received any written notification of what the debt is.
TD Bank adjusted account to bill for paper statement fees without my consent. I contacted the bank multiple times via secure online messaging, customer service telephone and certified letter to branch location. I directed TD Bank staff members to refund all unauthorized fees, close my account and mail a check to the address listed on the account. TD Bank failed to close the account as directed and continued to bill for paper statement fees. After a third certified letter to the branch office, the bank did mail a check for the remaining account balance, but failed to close the account and only refund one of several dozen paper statement fees. 

Today the account remains open and TD Bank continues to bill for overdraft fees without my consent. In a letter dated XXXX XX/XX/2018 TD Bank Senior Vice President XXXX. XXXX promises that my account will be referred for further collection action if additional deposits are not made to clear the overdraft. 

TD Bank Branch Location : TD Bank XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX
I cosigned for a vehicle for my roommate. He had a good paying job and I was taking him back and forth to work. He was turning his life around and tried to assist him by helping him build his credit and assisting him in getting a vehicle. He had occasional trouble paying but I would help him when I was alerted of the trouble. 

My roommate moved in with his girlfriend and I thought he was making payments. Then one day I woke up to a call from my former roommate that his car was gone. It had been repossessed. I called XXXX XXXX XXXX in XX/XX/2017 to ask what had happened as I had never been alerted to any late payments or a pending repossession. I let them know that if I had been alerted I would have made the payments. They did not create a plan for me to get the vehicle back, only kept repeating " You should have made the payments. '' I was alerted that I needed to go to a hearing on this matter. It turns out that they could not find my former roommate so they were going to make me responsible for the entire remaining principal debt after resale of the car ( {$14000.00} ), attorney 's fees ( {$750.00} ) plus cost ( {$430.00} ), and pre judgement interest ( {$370.00} ) totaling {$15000.00}. 

I do not feel that I am responsible for this debt as I tried to make arrangements with them to make payments. I also feel that I should have been alerted when the account was in jeopardy. Finally, If anyone is to be responsible for these payments I feel it should be the primary borrower. The only reason the court said I am responsible is because I was a good citizen and showed up. Since they can't find the primary ( even though I told them where he was XXXX they said I am fully responsible for the debt.
I XXXX XXXX applied for a mortgage on or about the year of XX/XX/XXXX. I applied for a mortgage amount approximately of {$100000.00}. I filled out a XXXX form and supplied all necessary documentation along with signing a XXXX form so Webster bank who originated this no income check subprime mortgage could verify I can afford it. Webster bank who originated this mortgage committed fraud in the fact that they never audited and ordered my XXXX directly from the IRS to verify my actual income and stated what it was instead. The current mortgage with Webster Bank loan # XXXX on my Owner Occupied Property : XXXX, NY XXXX, my S.S. # is XXXX D.O.B. XX/XX/XXXX. Webster Bank NA are committing the following Fraudulent and Federal Law violations:1. LACK OF STANDING TO FORECLOSE ; ATTEMPTED ON OR ABOUT XX/XX/XXXX2. FRAUD IN THE CONCEALMENT ; 3. FRAUD IN THE INDUCEMENT ; 4. INTENTIONAL INFLICTION OF EMOTIONAL DISTRESS ; 5. QUIET TITLE ; 6. SLANDER OF TITLE ; 7. DECLARATORY RELIEF ; 8. VIOLATIONS OF TILA ; 9. VIOLATIONS OF RESPA ; 10. VIOLATIONS OF HOEPA ; 11. RESCISSION. 
12. MAIL FRAUD IN BILLING AND CONTINUALLY BILLING TO THIS CURRENT DAY.
Beginning in late XXXX I applied for a loan. I knew that I had placed a freeze due to Equifaxs security breach. I attempted to remove mine and my wifes freeze in order to obtain the loan but needed a security pin to do so. A pin I never received. I have requested for the pin 3 times. Two via phone and one in writing, but yet they still do not know where my wifes or my pin is, and can not unlock my report so I can get a loan. It is now mid XXXX and still no Pin. THEY ARE PUTTING A FREEZE ON MY LIFE.
My mortgage was transferred to LenderLive for servicing after we closed our loan. Once transferred, we submitted a form to request automatic ACH debits. Although they advertised online submission of the form, it was impossible to submit online. After attempting multiple times to submit online, we physically mailed in in the form. It has been three months since we submitted the form, and we have received no response, despite a promise for a response in less than 30 days.
I HAD A VERY SMALL AMOUNT THAT WAS OWED TO WELLS FARGO BANK CARD AND BECAUSE OF A DISPUTE AND REQUEST FOR A REFUND ON A FEE THAT WAS CHARGED, I WAS ASSIGNED A 30 DAY LATE NOTICE WHICH HAS REALLY HURT ME GREATLY. 

I WAS EXPLAINING TO THE WOMEN THE REASON THAT I WAS NOT PAYING THAT AMOUNT AND ALSO TOLD HER THAT I DID NOT HAVE THE FUNDS AT THAT TIME AND SHE WAS ANGRY CAUSE I DID HAVE THE AMOUNT IN MY ACCOUNT. I NEEDED THAT FOR OTHER REASON AND SAID I WOULD PAY IF I HAD TO IN A FEW DAYS BUT NOT NOW. SHE DECIDED TO GIVE ME A 30 DAY LATE WHICH HAS HURT ME BIG TIME OVER THE LAST 6 YEARS. 

I AM A XXXX AND I AM IN NEED OF THIS TO BE TAKEN OFF MY RECORD IMMEDIATELY. IT HAS BEEN OVER 6 YEARS AND 4 MONTHS AND WILL COME OFF IN 8 MONTHS AUTOMATICALLY. NEED THIS OFF NOW, THIS IS THE ONLY 30 DAY LATE I HAVE HAD IN OVER 10 YEARS. I HAVE PAID ALL MY BILLS ON TIME WITH A PERFECT SCORE EXCEPT FOR THIS ONE 30 DAY LATE WHICH IS CAUSING ME TO BE TURNED DOWN FOR CREDIT
XXXX Account # XXXX was opened on XXXX, XXXX. The account was disconnected on XX/XX/XXXX. The account balance was paid in full. The customer service representative promised that the security deposit will be refunded after receipt of Box-Set Top Box and Router. The Box-Set Top Box and Router were packed and dropped off on XX/XX/XXXX and the XXXX office issued a drop-off receipt. XXXX never refunded the security ; however, I received another bill for {$60.00} for unexplained reason. In response to repeated calls to the different departments, an adjustment to the account was finally made on XX/XX/XXXX and {$59.00} credit was issued but the account was reported as delinquent to the credit agencies ( XXXX, Experian, and XXXX ) in XX/XX/XXXX. I made multiple attempts to reach XXXX offices in XXXX, TX ( XXXX XXXX ) and at XXXX XXXX, MO ( XXXX XXXX ) but no one attended to the calls. I have excellent credit history but need assistance from your agency to avoid exploitation and unnecessary harassment of consumers like me.