WillisBack/dataset-financial-user-claim huggingface dataset:
I hold 2 checking accounts with the bank which hold bounce protection. 

Problem with account XXXX There is bounce protection but it does NOT pay and charges the account fees if insufficient. 
Problem with both accounts is that Flagstar Bank has had online banking unavailable several times since XX/XX/XXXX which allows no access to accounts and transfers between. When transfers are unable to go between accounts they all hit WITH the fees which are up to 5 at a time.

I have had {$640.00} in Overdraft fees for 2018, the fees in XXXX   never pay the bounce protection and XXXX account delays transactions which allow no time to deposit to avoid fees.
On XX/XX/XXXX filed a complaint with Navy Federal Credit Union that my XXXX  XXXX had breached my personal and medical info. The bank agave me a credit of {$500.00} back. I had made a good faith appointment for the next week and paid {$500.00} deposit on XX/XX/XXXX. I went to the XXXXs online portal and my medical information that was password protected showed another patients information instead of mine. Clearly this is a web issue. I called upset on the XX/XX/XXXX am to share the breach the office staff agreed to cancel my appointment and refund my {$500.00}. The only problem XXXX  XXXX wanted me to give them my debit card info again. I said, I will not. Thats what prompted me to file with the bank. On XX/XX/XXXX bank adjustment of {$500.00} taken out of my account. No advance notice just said when I called XXXX XXXX showing cancellation policy. This policy was null and void when the XXXX breached my medical information. I should have received refund. This cause my account to not have funds to cover my expenses which created fees being charged on top of {$500.00}. I sent the bank emails sharing the events of messages and response from XXXX. On XX/XX/XXXX after 2 weeks of gruesome phone call with bank I did an appeal they still denied refund.
THE FIRST THING I SAW THAT WAS FRAUD ON MY CREDIT FILES WAS MY NAME SPELLING I ATTACHED MY DRIVER LICENSE TO PROVE MY REAL NAME AND ADDRESS. I ALSO ATTACHED MY CREDIT REPORT SHOWING THE FRAUD, I PUT FRAUD NEXT TO EACH FRAUDULENT ITEM TO THE LEFT OF IT. PLEASE FORWARD THIS COMPLAINT TO EACH CREDITOR.
Collector filed delinquency collection after only 30 days after alleged fall-behind date. I was out of state and did not receive notice. Further, they reported a delinquency and collection after only 30 alleged days instead of 180, an egregious disregard for reporting procedure. 

There is a medical collection with an original statement date of XX/XX/XXXX, therefore I can not fall behind until XX/XX/2016. From XX/XX/2016 I have 180 days to pay debt before it is reported on credit. A delinquency was submitted XX/XX/2016 and appeared on my credit on XX/XX/2016.
I called each credit bureau and requested my credit report updated with correct information. The personal information has not been updated and my credit report continues to reflect incorrect information.     The only address that my credit report should reflect is :  XXXX   XXXX   XXXX   XXXX   XXXX , IL  XXXX
On XX/XX/XXXX I paid my mortgage of XXXX through my bank. Freedom Mortgage reported it late on XX/XX/XXXX. My mortgage would of been late XX/XX/XXXX however they received my payment before then. They stated they couldnt help me and I would have to contact the Credit bureau. Freedom mortgage also stated they tried to call me to notify me of what they were doing. However they had the wrong number on file. I have never been late on a payment, ever.
STATEMENT OF THE CASE On or about  XXXX   XXXX ,   XXXX  , PRM caused to be included in Complainants consumer files, and recorded upon Complainants investigative consumer report ( ICR ), as maintained by   XXXX   XXXX   XXXX   XXXX    consumer  reporting agencies, adverse and derogatory information alleging Complainants default upon a debt owed to the  XXXX   XXXX  and  XXXX   XXXX   (   XXXX  ) to the sum of  XXXX   XXXX   XXXX   ( { $820.00} ) and     XXXX   XXXX  . The reintroduction of this information in Complainants consumer files and recordation upon his  ICR  violates the FCRA and FDPA.
XXXX is reporting the status and amount of a mortgage  for a home I sold in XX/XX/XXXX inaccurately.  They are reporting that the home was foreclosed and I am attaching evidence that this is false via the payoff letters I received from both lien holders.
They are also reporting an incorrect loan amount of $XXXX.  This loan was originally originated with XXXX  in the amount of approximately $XXXX.   
I have tried disputing this with the three credit bureaus in addition to calling XXXX so they could research this issue.  They have been unable to provide documentation to support this loan balance nor have they shown any goodwill made any attempt to update .

CIT BANK XXXX
XXXX XXXX XXXX XXXX, MI XXXX 
(XXXX) XXXX
Date Opened: XX/XX/XXXX
Responsibility: Joint Account
Account Type: Mortgage Account
Loan Type: CONVENTIONAL
REAL ESTATE
MTG
Balance: $XXXX
Date Updated: XX/XX/XXXX
Payment Received: $XXXX
Last Payment Made: XX/XX/XXXX
High Balance: $XXXX
Pay Status: >Account 120 Days Past
Due Date<
Terms: $XXXX per month, paid Monthly
for 30 months
Date Closed: XX/XX/XXXX
>Maximum Delinquency of 120 days in XX/XX/XXXX and in
XX/XX/XXXX<
Remarks: >SETTLED-LESS THAN FULL BLNCACCT PAID,FORECLSR STARTED<
Estimated month and year that this item will be removed: XX/XX/XXXX
Every month I received a bill from Ocwen for my mortgage. The invoice is incorrect. It is too high. I call Ocwen and they tell me to just pay the amount on the website, the invoice is wrong.
I am a victim of identity theft and recently after the equifax hacking someone opened a credit card with my information and charged several hundred dollars. Equifax sent my credit report but say I have to pay them to get my credit score. After all they have put me and millions of other consumers through we should not have to pay them anything.
On XXXX XXXX of this year, I was informed by the Bank of America that it was terminating my checking and savings accounts I had held with the Bank for about 5 years. I filed a complaint with the CFPB at the time, alleging that they were using a fraudulent method, the FIS Qualifile deposit account system marketed XXXX to determine who among their deposit account holders was likely to default on their accounts, and that I was being unfairly targeted in their use of that system. Nevertheless, in spite of my vociferous demands to see my Qualifile score and the other material BOA used to determine that I was not a good credit risk -- or, stated alternatively, that I was more likely than average to default on my savings and checking accounts -- BOA closed my accounts on XXXX XXXX. I have since received XXXX checks from them for the small amounts of money I had left in these accounts. 

However, there is a much larger check that I have not received from BOA, in the amount of approximately {$800.00}, that is the balance in a savings program in which I enrolled during 2011 that BOA calls " Keep the Change ''. Like automatic savings programs at other banks, " Keep the Change '' rounds up the dollar value of transactions and places these small amounts -- XXXX cents here, XXXX cents there, XXXX cents, etc., and so on -- in a non-interest bearing " Keep the Change '' account. 

By the time the Bank decided to close my accounts, I had accumulated {$800.00} cents in that special savings account. Let me make it plain that this was MY money, deducted from my checking account over a period of XXXX years by the Bank, but I have yet to receive a check for that amount, and it seems that my wait may be in vain. The person at the Bank, XXXX XXXX XXXX ( reachable at XXXX, ext. XXXX ), who was in charge of terminating my accounts, denies any knowledge of this account or this program, and refuses to acknowledge that I am owed this money. 

Plain and simple, I want my money back. Who knows how many accounts are being closed using the Qualifile credit scoring system, and " Keep the Change '' accounts being seized along with those closures? I think there is something brewing that constitutes another fraudulent and illegal pattern of behavior by a big bank. Please help me get my money back, and the money of others who are being ensnared in these little schemes. Thank you.
I can not get my escrow account with CitiMortgage corrected due to tax refund discrepancies. I have been overcharged for my taxes and XXXX County tax commissioner 's office resolved the issue, but I can not get it corrected with my mortgage company. My XXXX exemption with XXXX County Tax Commissioner 's office was reinstated to my property in XXXX XXXX. My homestead exemption was removed from my property for the years of XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX. XXXX XXXX was the specialist that handled the reinstatement of my homestead exemption with XXXX County Tax Commissioner office. Her contact information is XXXX. The XXXX County Tax Commissioner 's office stated that they mailed refund checks because with my homestead reapplied to my property, my taxes were lower. The County Tax office stated they mailed XXXX checks to my mortgage company - CitiMortgage -- in the amounts of - {$280.00} ( check # XXXX ), {$13.00} ( check # XXXX ) and {$6000.00} ( check # XXXX ). These checks were mailed out on XXXX XXXX, XXXX. I have contacted my mortgage company several times and each time I was given a different amount on the tax refund the XXXX County Tax office sent to them. On XXXX XXXX, XXXX, I received a letter from CitiMortgage stating that the tax office will be sending them refund checks in the amount of {$41.00} from XXXX County over payment and {$950.00} from XXXX XXXX/ XXXX over payment. Then on XXXX XXXX, XXXX, CitiMortgage sent me an escrow disclosure statement stating they received refund checks of {$3500.00} ( check # XXXX ) and {$13.00} from the tax office. The discrepancy between what the XXXX County Tax office refund amounts is said to be and what CitiMortgage say they actually received is very concerning to me. I can not get my escrow account with CitiMortgage properly settled because the tax office will not give me anything in writing of the refund amounts sent out on XXXX XXXX, XXXX and CitiMortgage stated it will take 30 to 90 days to investigate the refunds the tax office actually sent them. In the meantime, with all this confusion, I have to pay my mortgage that is over charging me for my escrow, when I was already overcharged for XX/XX/XXXX to XX/XX/XXXX.
I have several complaints and issues wirh my loans. First of all, the school that my ex husband & I attended was closed soon after we left. We find out that the credits attained through the programs there were not transferrable to a 4 year university, therefore, I had to stsrt all over again through another accredited college. The aid I received was not beneficial and attending that school, XXXX, was a waste of 2 years. Secondly, my husband & I are now divorced but since the loans were consolidated, they are on my credit negatively and I 'm told there is nothing I can do to separate his loan from mine. That does not make sense as we are divorced. According to our divorce decree, he has been ordered to pay his portion of his student loan debt which ca n't even be enforced so it is affecting my credit negatively. This needs to be changed immediately!!! The circumstances under which we received the loans in the first place were WRONG. I 'm so upset by how this is still affecting me years later. If there 's any way to resolve this issue I would be truly grateful.
I saw a doctor on   XXXX   XXXX   XXXX   Chapter  XXXX  Bankruptcy was filed   XXXX   XXXX   XXXX     and discharged   XXXX   XXXX   XXXX   The medical debt from  XXXX   XXXX ,   XXXX   was sold to a debt collector who made no efforts to contact me, but reported the debt as delinquent on my  XXXX  credit report as of   XXXX   XXXX    . I and my attorney have contacted this debt collector on multiple occasions since that time asking them to verify they have a legal right to collect this debt, to which we have received no response. I have also disputed this debt with  XXXX  on  XXXX  separate occasions, both times receiving the response that it has been verified.     In summary, this debt was  discharged  in my bankruptcy as of   XXXX   XXXX   XXXX     yet the collection agency continues to report it as delinquent on my credit report and has ignored all requests for verification of the debt.
Contacted creditor for proof of this debt to validate this is actually my responsibility. Creditor sent me information related to this debt that proves it belongs to someone else.
Equifax received my certified letter on XXXX XXXX, 2016. My correspondence requested Equifax to provide a physical verification of the original contract signed consumer contract, which is required by Federal Law according to the FCRA 609 ( A ) ( 1 ) ( A ), Equifax is required to provide these documents before accounts can be posted on my credit report. Equifax still has not responded to my communication. Since Equifax was unable to verify my account I am demanding that report information regarding XXXX Child Support be removed off my credit report immediately as Equifax is in violation of the law and are reporting this information incorrectly. If Equifax does not remove these items from my credit report I will continue to file a small claims action against Equifax and XXXX XXXX for damages of {$5000.00} for 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act. 
The tracking number for the request that was sent certified mail is XXXX.
I agreed with the finance company to make an " interest only '' payment for two months. The company is reporting that I made a late payment. I 've contact the credit bureau to have it resolved with no success.
The Receivable Management Services Corporation ( XXXX ) sent me a notice in the mail of an attempt to collect a past due health insurance premium of {$140.00}. The original creditor bill was from XXXX This is not a valid debt because I had paid the premium due IN FULL on XX/XX/2016.
I am a Bank of America Customer. Sometime around XX/XX/2018 two new  accounts were opened in my name without my knowledge or approval. 1 Checking account and 1 savings account. I called Bank of America to notify them of the issue and possible identity theft and/or fraud. I asked for the following information : Who opened the account? 
When was the account opened? 
Where was the account opened? 
what identification documents ere used to open the account? 
What steps were taken to verify identity? 

These questions are important to me because I need to know if someone has access to my personal information and is using it in a fraudulent manner. BOFA said they would open an investigation but, to this date, I have not heard from anyone. Calls to BOFA for information have resulted in nothing. No one seems to know what is going on. I need answers to these questions right away and I can not afford to wait any longer. Please help.
I was residing in Connecticut at the time of the incident in which I was hospitalized. And so now I reside in a different state I lost track of that account I would like to resolve this issue.
On XXXX XXXX, XXXX, I contacted XXXX XXXX XXXX from XXXX XXXX XXXX at XXXX to seek advise on how to apply for a modification, ( it was over the phone ), the first question she asked me is that " are you current on your mortgage? what is the reason why you 're applying for modification? My answers were Yes, I am current and I want to make my mortgage lower because I 'm having a hardship ''. She then advise me not to make payments for at least 3 months in order to show to my lender that I 'm really having a hardship making my payments. And she told me that I have to pay {$2500.00} for their service but she did not tell me that I have to pay {$500.00} every month until the modification is done. So we waited until XXXX XXXX, she then email me the paper works to fill up. All the documents that they requested was sent but it was already a year and nothing happened so I asked another agency ( XXXX XXXX ) and they told me that modification should be done by XXXX4 months only and then advise me to stop dealing with XXXX and just work with them instead. 

I started working with them on XXXX XXXX, XXXX and same thing I gave all the documents that they needed. 




. 
Please advise if we can do something about it, I know I can no longer get my house back but it was so painful and unfair and XXXX, we were forced to moved out from the property on XXXX XXXX and we were staying at a friend right now because I 'm having hard time to get a place for me and my family because of my credit. I just hoped that they gave me chance to work on it or at least sell the property myself. 
XXXX XXXX XXXX was already foreclosed and sold. XXXX XXXX XXXX, and XXXX XXXX XXXX ( XXXX XXXX XXXX, phone # XXXX ) promised to help me save my home, first, they advised me not to pay my mortgage so that I will make PHH believed that I am really having hardship because I lost my job, I paid them almost {$9000.00}, it was almost a year but it never get done, he always said that its under review, I also tried to work directly with PHH mortgage and I submitted all the paper works that they requested. An agent from XXXX XXXX XXXX. from XXXX CA offered help to get the modification done that will cost me {$3500.00} ( need to pay them $ XXXX monthly ) but still nothing happened, I know they did all their best but PHH Mortgage still foreclosed and sold my house to XXXX XXXX. in CA without notifying me that it was already foreclosed and sold on XXXX XXXX, XXXX. I was forced to leave the house because the new owner filed an eviction complaint against me. PHH did not gave me a chance or an option how to fix the problem. The property has an equity of almost {$250.00}, XXXX and they should just allow me to sell the house my self so I can get something to start with, I faced eviction and the XXXX I faced and my XXXX kids was very painful. I did not even know that the modification was denied because I did not received any notice, I just found out on XXXX XXXX, XXXX when the Sheriff came and told me that the property is already foreclosed and was already sold.
We began a home mortgage application with USAA Federal Savings Bank on XXXX XXXX, 2015. We were speaking with XXXX XXXX ( NMLS ID XXXX ). After going through all of the information, we came to the point where we were going to lock in a rate. The rate she gave us was very good ( 3.625 % with 0.5 points ). There was another rate quoted with 3.875 % and 0.125 discount points, but we " LOCKED IN '' with the first rate. We even asked her if the rate was good because of our good credit. She said " yes. '' Two days later we got the written paper work, which had our correct interest rate, but now had 2.375 discount points! A cost difference of {$4800.00}! USAA says there is nothing they can do. The agent must have made a mistake. But, we feel they should honor the original rate or credit us {$4800.00}. Because of the rate we locked in, we did not shop around to other banks and we lost XXXX business days to do so. Meanwhile rates have increased. This is a bait and switch. It should be illegal. When I LOCK a rate, I should get the rate that I LOCKED. Not a different rate that I find out about 2 days later.
Hello -- I was approached to consolidate my federal student loans via a company called studentloanaid.us. They charged me a yearly fee and then managed my student loans for me under a income contingent plan. I now can not reach this company, their website is defunct and they have no functional phone numbers. I have no idea what to do about my outstanding loan. Can you please help me?
Wells Fargo gave me wrong information when declining application for Home Equity Loan. 
1. They said that there was a foreclosure on the credit report. They claimed that a 'charge off ' if a foreclosure. 
I checked my credit report and also did a title check ; there is no foreclosure listed on either. 
2. They said that there was an {$1800.00} per month student load payment. 
I called my student loan company and checked my credit report ; the payment is listed at {$740.00} per month.
XXXX   XXXX   notified me that  USAA  is not relaying information timely so it is hindering my use of their services
I am XXXX, I am XXXX years old, my name is XXXX XXXX XXXX, I have received by e-mail messages from wells fargo bank, about amounts deposited in my account, and credit card, the fact is that I do not have wells fargo account, never I used the wells fargo card, following the email received confirming that my wells fargo card will arrive. check it out, the links refer to the wells fargo page, it's not a fake page, someone opened an account on my behalf.

LOOK AT THE MESSAGE I RECEIVED, I ALREADY RECEIVED OTHERS SAYING I HAVE DEPOSITED VALUES IN MY ACCOUNT. 

Wells Fargo XXXX Your card will expire soon We are writing to remind you that your Wells Fargo Debit Card ending in XXXX will expire soon. 
Please check your address We will mail you a new card before your current card expires. Please sign on to view the mailing address.

You will receive another email once your card has shipped.

Your new card will retain the same card number and Personal Identification Number ( PIN ) as your current card.

Customize your card now Personalize your card before it ships by uploading a favorite photo1, business logo, or by selecting an image from our online library within the next 7 days. Eligible cards  can be easily customized by signing on to the XXXX XXXX XXXX. 
If you have any questions, please call XXXX ( XXXX ) or sign on to send a secure email. Phone Bankers are available 24 hours a day, 7 days a week.

Thank you for choosing Wells Fargo. We appreciate your business.

Sincerely, Wells Fargo Debit and Prepaid Cards wellsfargo.com | Fraud Information Center Please do not reply to this email directly. To ensure a prompt and secure response, sign on to email us. 1Wells Fargo reserves the right to accept or reject any artwork, images, or logos. For example, any third-party trademarks, copyrighted materials, or name, image, and likeness of any public figures, will not be approved. 
XXXX XXXX
I am not sure if this is the correct place to make this complaint or not, so please redirect me if it is not. Some months ago, I was sent via email and regular mail, an offer from Citicards that if I used CitiCards with XXXX that I would earn 10 times the XXXX XXXX XXXX miles that would normally be earned, up to a maximum of XXXX miles. I was an existing Citicard XXXX card member. 

The offer was good upon enrollment and ended XXXX/XXXX/2015. So I enrolled in XXXX and used the XXXX option. I checked my statements and noticed that there was no bonus miles being awarded for using the apple pay for eligible purchases. So I called the customer service for the card at Citibank on XXXX XXXX and the agent had to check what was going on. He came back on line and said the program was never initiated because of a disagreement between XXXX and XXXX XXXX. He apologized that customers who enrolled were not notified and offered me XXXX free miles for my trouble. I had already earned an expected number of free miles greater than that, but accepted the offer. I asked why customers had not been notified and he had no idea. 

My problem is that Citi was earning merchant fees and maybe interest under a false pretense that they were awarding bonus miles to the customer, even when they knew the program was not in effect. Unless someone carefully checks their statements they have no idea that the bonus miles are not being awarded. This is not right. It would have been relatively easy to notify enrolled customers about the program cancellation via email, but this was not done. Who does someone make a complaint about this to? Thanks for any help. 

XXXX XXXX