WillisBack/dataset-financial-user-claim huggingface dataset:
On the day of XX/XX/2018, I was scrolling my XXXX page when I saw a page for offering discount goods, like sneakers and cell phones. I direct messaged the seller per their request for " serious inquiries only '' when I firect messaged the seller, they responded within the hour. I asked was there an XXXX XXXX available for sell and the answer was " Yes '' the person said it would be {$420.00} that's including 2 Day shipping. On the page, the seller takes XXXX, XXXX XXXX, etc which I used XXXX, I also screenshotted our conversation. XXXX requested a First and Last Name, along with the sellers email. Once I transfered the funds it was rather late. So I tried contacting the seller the next day asking for a tracking number, they did not respond, so I waiting until after my classes which I would be in all day. When I tried to contact the seller again, our conversation had been deleted and I was blocked that's when I knew I was scammed. I tried contacting him through a different profile asking him amount my funds and phone, I was blocked again. His XXXX name is XXXX the email he gave through XXXX he also has another email listing on his XXXX I did not message him through email out of fear of being blocked through there. I let him know that I had been saving for months, which I had, to see if that would gain some regret in the seller, it did not.
Synchrony Bank via XXXX opened a credit card account in my name. They sent me the card which I did not activate. Nevertheless they opened the credit card account and certain XXXX charges ( all justified ) were charged to that account. XXXX denied any association with Synchrony and Synchrony refused to close account unless I provided information they should not of had i.e. birthday, Social Security number etc. I refused and they told me there was nothing they could do to close the account. Numerous calls to Synchrony produced no resolution although they did waive an unauthorized {$1.00} charge. After many complaints to XXXX I finally received a letter from Synchrony stating I was a victim and someone had opened an account in my name. Yes, but it was Synchrony that opened the account and activated it without my permission not some unknown person.
It was explianed that I have open up an account witt his company and have had my phone sevices with another company for over 15 years. I feel this is a result from identity theft.
I made two purchases under {$75.00} and am being charged high interest on old balance plus high finance charges on purchases and current balance XX/XX/2017. I have always been timely with payments and believe interest rate is too high and also finance charge is too high. I asked many times for lower interest rate because I have moved to a state ( Illinois ) where  the cost of living is high and income is lower than when I was given this credit in CA. They refuse to lower interest rate and finance charges.
In    XXXX   XXXX     2016 we  found out we had a delinquent  XX/XX/XXXX  mortgage payment to  XXXX   XXXX   XXXX  when we had a credit check pulled. We were wanting to refinance our home. I got on the phone immediately to find out what payment was delinguent. They informed me they had not recieved  XX/XX/XXXX     payment. The   XX/XX/XXXX  p ayment made the  XX/XX/XXXX  payment and now I was late  XX/XX/XXXX . I told them there had to be some kind of mistake because I made the payment. I checked with my bank and got statements to show the payments I had made prior to and after the dates in questions. I emailed them to  XXXX . I called  XXXX  several time after to see if they were able to find the missing payments. I submitted the addess the payments where being sent trying to find out why and where my payments had gone.  XX/XX/XXXX  I checked my bank account and I was credited  XXXX . I contacted my Bank,  XXXX   XXXX   XXXX   XXXX  and asked them why this check came back. They informed me this check was credited back because it had not been cashed or processed in 90 days. At that time I contacted   XXXX   XXXX   and told them what I had found out. I made  2 pa yments to  XXXX  at this time. One check for  XX/XX/XXXX  and the other for the missed payment. At this time I asked them if they could please contact the maj or Credit Companies  because these late payments had hurt our credit. They told me I had to write to their research department to get this matter cleared up to which I did. I provide proof the payment was taken from my account. I provide a letter from  XXXX   XXXX  stating the payment was sent on  X/X/16    making  XX/XX/XXXX  payment. The letter I recieve from  XXXX  stated they are not responsible for lost or delayed mail by the United States Postal Service. I was n't asking for anything other than help with  Credit Reporting Companies.
In early XXXX, i applied and was approved for a credit card by wells Fargo bank in order to build/ establish credit but in XXXX XXXX I informed the bank that my card was missing and informed me that it will be cancelled. In XXXX i noticed a cash advance of {$350.00} in my statement and i proceeded to call the bank. I was told that it was a transaction that happened in XXXX. I live XXXX hours away in XXXX XXXX Virginia. Since it was clearly a fraudulent transaction, i filled a claim with them and was assured that all will be well. While reviewing my credit report in XXXX, i saw a derogatory comment from wells Fargo stating that I was 3 months in arrears. I proceeded to have a notarized statement sent to them in XXXX XXXX defending myself. I also noticed that they had linked my CC to my checking account without my consent. My numerous attempts to have this solved have been in vain
Bank of America was holding a few transactions which were small enough to keep my account from going into overdraft. They were processing these transactions for days until a larger paper check came through which resulted in a transaction reordering. This has happened before and should be illegal and really investigated like it was in 2012. Legislation under the Obama administartion was overlooked and the Federal reserve has done nothing to help the 8 % of the bank account owners from going into deeper debt. 

Transaction reordering should definitely be a crime and investigated to the extent! I just paid {$60.00} x2 for my XXXX credit card payments and over XXXX for a XXXX cable bill. 
' We need to put an end to this and rewrite these Algorithms which are making the banks richer and the poor poorer. They also started charging me a XXXX per month fee to keep the account after 12 years. 
Please help put an end to this and throw these crooks to the curb!
I have never had a loan with Ocwen, however they are reporting negative loan information on my XXXX and XXXX credit reports. I have repeatedly filed disputes with these credit reporting agencies and they keep telling me they have verified that these mortgage loans are mine. I 've even asked Ocwen to show me the loan origination papers that I signed if this is my loan, but I have not received any response from them. Please contact Ocwen and advise them to delete this negative information off of my XXXX and XXXX credit reports. ( This is not reporting on my XXXX or XXXX credit reports ) The account in question is showing on my XXXX and XXXX credit reports as : OCWEN LOAN SVCG LLC # XXXX
Someone walked into a WellsFargo Bank at   XXXX   XXXX   XXXX     XXXX , TX on  XX/XX/XXXX  and changed my debit card pin and withdrew {$900.00} from my account.
<P/>
My apt was broken into and my debit card was home and they went to the bank and withdrew money. I reached out to the bank and they basically denied my claim and said that it was nothing they could do. They told me I probably allow this person to withdraw money from my acct.
My direct deposit has not posted. I have two deposits, one for {$1900.00} and the other in my spouses name for {$1200.00} which are not available. The deposits were suppose to be settled on XX/XX/2018. Netspend, in partnership with XXXX, is holding my funds. I've supplied both companies with the tracer number to track the transfer and they will not give me a confirmed date on when my funds will be available in my account. They stated that the federal reserve did not send a file which is causing a delay in the transfer. Furthermore, I am aware that this is currently effecting a large number of Netspend customer 's. They are blaming the problem on a technical glitch with no ETA.
I previously had a home equity loan with XXXX XXXX ( XXXX XXXX XXXX ) that was discharged in Bankruptcy more than ten years ago. The loan amount and information is incorrect and appears on my credit report as if it is a much newer loan. 

XXXX wrote a letter ( see enclosed ) which supports my position. XXXX sent the letter to all three credit reporting companies recommending that they remove the account because the loan was discharged in bankruptcy more than ten years ago. Two of the three have complied. The remaining Experian has to date refused. I have called Experian a number of times and have even spoken to a manager. I have filed complaints through their website but to no avail. I sent Experian my bankruptcy papers the same papers I sent XXXX. The people at Experian seemed confused that XXXX XXXX was formerly XXXX XXXX, which is a well known fact that they changed their name of business. They seem confused that the loan amount and information is incorrect and appears on my credit report as if it is a much newer loan. 
I told them the whole things is wrong and should n't be there to please take it off. XXXX did as well. 
XXXX : XXXX XXXX XXXX Please, I am trying to purchase a home and this is adversely affecting my credit score and my ability to get better terms on a mortgage. Please have Experian remove this very old home equity loan that was discharged in bankruptcy more than ten years ago. Thank you very much. 
XXXX XXXX
My Wife, XXXX XXXX XXXX passed away back in XXXX XXXX 2014 and Credit Systems from XXXX MT has sent me a letter saying I owe an amount of {$8600.00} all from medical bills she built up before she got on Medicade in XXXX. The account number is XXXX under XXXX XXXX. I had just paid off my own debts and plan to move to XXXX within the week of this submission. And simply can not pay and debate on filing for bankruptcy.
I enrolled in a long-term repayment plans and Navient failed to disclose the annual deadline to renew my plan, misrepresenting the consequences of non-renewal, and obscuring the renewal notice to me, the borrower, when it was due for renewal.
I open this account approximately a year ago I was told when I opened it that my credit would be evaluated every six months and if I was worthy of a lower interest it would be lowered by Chase. After six months I contacted Chase to ask if my account was evaluated for a lower APR and I was told by a representative that because the Fed had raised the rates several times in the recent past they have not evaluated my account. I called Chase today ( XX/XX/18 ) and spoke with a supervisor and I asked him if my account has been evaluated since it is now been a year and it supposed to be evaluated every six months. I also asked him for which date it was evaluated and what decisions were made about my account. The supervisor named XXXX could provide no date that my account was reviewed nor could he give me any answers about why my rate is staying the same and not going down. I recently read an article From a case your agency just settled with XXXX XXXX and I believe that Chase is also violating the truth in lending act by failing to reevaluate and lower APRs therefore causing the consumer to pay higher rates. I would like someone to look into this please. I understand that a reevaluation of my account does not mean I automatically get a lower APR however my credit score ( high 700s low 800s depending on which credit bureau is viewed ) has went up considerably since I open this card and I have payed down debt. It would seem to me that I am worthy of a lower rate and Chase should have lowered it already on their own as they state they reevaluate account every six months but can not prove this. Essentially the supervisor told me that I just have to trust that he is telling me the account has reviewed every six months but he could not provide me with any dates or decisions made about my account based on the supposed evaluations. The lowest rate on this card when I spoke to the supervisor today is 17.49 % and the high is 29.74 %. I am currently at a 24.74 % rate.
My mortgage servicer was inept & consequently did not use my escrow account to purchase home insurance from XXXX XXXX. 
The m0rtgage company told me that I needed insurance, or my insurance would be " force placed '' Consequently to be safe, I paid XXXX XXXX directly with my credit card. 
I have sent proof of insurance twice to XXXX, and they still state that I have no insurance, and so my insurance must be " force placed '' This is not the first or even the second problem I've had with XXXX, but it is the most recent. 



To be safe, I purchasedMy mortgage servicer said to confirm my home address ith my insurance company.
I would like to submit a complaint regarding my student loan from Wells Fargo. I have been paying off this loan since XXXX. I pay from {$200.00} to {$300.00} a month towards this loan. My last payment was {$200.00}, of which none of that money went towards the principal balance, only towards the interest. I find it ridiculous that I am basically paying for all this interest, while the principal balance remains untouched. When I took this loan in XXXX, the original balance was {$17000.00}. After making payments for 4 years, my current principal balance is {$15000.00}, only a XXXX dollar difference. After making these monthly payments only to see a minimal dent in the principal balance is disheartening, to say the least.
Follow up to previous Complaint # XXXX filed on XXXX/XXXX/16, XXXX XXXX XXXX is attempting to obtain a Writ of Garnishment against my pay filed on XXXX/XXXX/16 ; after falsifying documentation as the creditor and continuing on a judgment obtained by lying to the Dist. Courts of XXXX XXXX stating that I moved and served docs to locations/addresses where I would never receive notification to defend/appear in court. Current creditor Peroutka is currently seeking a pre-judgment amount plus {$940.00} in legal fees. Peroutka has now provided legal documentation that the debt was transferred to his law offices and that the debt is not time barred that they are trying to collection upon. Peroutka law offices needs to stop the Writ of Garnishment obtained under false pretenses and fraudulent docs submitted to the courts. I am also seeking legal counsel to sue the law offices of Peroutka, Miller, Kilma & Peters, P.A.
I have an XXXX credit card from Barclays Bank. Around the second half of XXXX, I found an error in my statement and immediately called XXXX XXXX credit card customer service department and explained my concern about an unauthorized purchase at restaurant. I even spoke to the supervisor, at least the clerk told me about it. 
My old credit card has been canceled and replaced with a new one. About a week ago ( XX/XX/19 ) someone contacted me from the security department of the bank and told me that I would return {$16.00} for someone's purchase ( unauthorized purchase ). I tried to explain the situation again, even asking the clerk to allow me to talk to his supervisor ( again, as before, a couple of months ago ). The contact person only told me that the manager would call me within 48 hours. However, no one called me back. What is wrong with this bank - once issued a credit, in a couple of months it requires a money back!
For several years, XX/XX/XXXX-XX/XX/XXXX I was unable to make payments on my student loans and the company told me that my only option was a forbearance. That is how my XXXX loan became a XXXX dollar loan. Please help!
XXXX XXXX XXXX XXXX IS INCORRECTLY REPORTING THIS ACCOUNT TO XXXX AND EXPERIAN AS OPENED CHARGE OFF, WHEN IN FACT IS CLOSED PAID IN SETTLEMENT.
I just found your website. Wish I had learned about it earlier. This complaint is not timely nor do I want a response. I just think those in charge of banking law enforcement should be aware. 
It 's been a couple years now. I deposited a personal check from my mother in a Wells Fargo checking acct. at one of their ATMs. ( XXXX XXXX, Ca. ) The screen reported that the check was " questionable '' and funds from this deposit would not be available for 10-14 days. I now know that checks must be honored or returned in no more than 4 days max.. 
Here 's the kicker! A couple months latter, I deposited a tax return check from the State Of California. Again, I was informed that " our system finds this check questionable '' and funds would be delayed for 10-14 days. If this is widespread, I can see how it could be lucrative for Wells Fargo. Free Money! 
Shortly thereafter, I heard they were in trouble for other violations. But I never heard of them being charged for this. Just headsup!
I'm very dismayed by my recent interactions with BB & T. After many years as a devoted customer, my beloved mother passed away. I've been attempting to close my mother 's BB & T checking account. I live in California. I've been told to fly 3,000 miles to come in person to a Florida branch to close it. I'm the only beneficiary. I have a trust account at a different bank and I have all forms required ( will, trust paperwork, notarize death certificate ). BB & T will not allow me to close my mother 's accounts. In the age of internet banking, this is not a feasible option. My mother 's other banks all provided online forms or requested notarized copies of materials. How can there not be other options? I've spoken to people in the corporate offices several times and the only other recommendation they offered was consider flying to Texas and going into a branch there as it is a bit closer. This is something that has happened to many others I've learned as I researched the BB & T complaints which are extensive on the consumer protection websites.
I sent a letter to CREDITORS DISCOUNT & A letting them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and CREDITORS DISCOUNT & A refuses to delete the fraudulent accounts from my credit report stating in a letter its verified CREDITORS DISCOUNT & A provided no physical evidence to why they wo n't remove it, according to the FDCPA and FCRA they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit.
Hello the nature of my situation is that branch banking and trust has placed a hold and or closed my checking and saving accounts and they will not release my funds to no one but the account holder which is I however I 've talked to the corporate office of the bank in XXXX north Carolina and filed a complaint although my complaint was forwarded to in investigator name XXXX XXXX whom informed me that bb & t can not con firm my identity because the bank do n't have a signature card on file and that I was never sent XXXX when the account was opened moreove I ask the investigator that will a power of attorney will do and a copy of my birth certificate and social security card he insisted that the bank will not accepted it I advised the investigator that I am incarcerated and that what you are asking to visit a local branch I can not due however he advised me that he will be back in the office on Tuesday XXXX XXXX, 2016 and that I should contact him to gat a status update I did and was advised that my account will remain blocked and eventually donated and closed then sent to the state of Alabama and I would have to collect it from them furthermore I asked that I can send my finger prints for verification he insisted that it want do the investigator confirmed I was incarcerated so therefore any documents I would try to send to verify my identity want do because they want me to come into the branch in person I even assigned my aunt to be my power of attorney although investigator will consider that and I 've talked to several attorneys whom also advised me to contact this bureau for immediate assistance I ask that this bureau to find a solution because that bank is going beyond the scoop of the banking laws it just not right thank you
I told these people by phone, not to call me ever again about three months ago. I also reminded them of the law that makes it illegal to repeatedly call and harass, after they have been told to stop. They asked me to send them a signed, written notification, which I did. I told them I was aware of the debt and would start paying as soon as I could. They continue to call.
Trans Union is debitting {$17.00} from my account monthly and I can not stop it. I have called several times, account confirmed cancelled, and they keep taking the money. They refuse to provide documentation of this monthly debit being authorized. I demanded documents, they refuse. The Escalation Department resists service to me. Even my Bank is not responding to my disputes of the debit. There is no evidence of this obligation.
Citibank charged me a {$450.00} fee for an annual fee. I sent a note to cancel the account via mail response. I was still contacted about owing the fee in XX/XX/2016. I cancelled the account at that time and was told the fee was removed. The credit card fee offers airport lounge access that I utilized for the initial {$450.00} fee but chose not to utilize again in 2016. I have not used the lounge access again in XX/XX/2016 since XX/XX/XXXX. And then I was told in XX/XX/XXXX that there would be no issue cancelling the charge due to lack of usage and desire not to move forward with the card. However, I was contacted this week numerous times by Citibank to be told that I still owe the full {$450.00} fee even though the card was cancelled only XXXX months after the charge was filed and Citibank originally told me the fee would be waived due to lack of usage and desire to utilize their service.
Hard inquiry against my credit report exists, without my knowledge, and consent by Avantus LLC, on XX/XX/2017, which I dispute and would want to be removed