WillisBack/dataset-financial-user-claim huggingface dataset:
Account has been open since XXXX XXXX XXXX.
My boss made a payroll deposit XXXX XXXX XXXX by BANK TRANSFER. This procedure took 3 business days, so we tried to do a PICTURE UPLOAD of his check the NEXT pay period.
This took place XXXX XXXX XXXX  and the funds were transferred OUT of his account that very night., and made available to me the next day.
This only lasted a few hours, because they FROZE my account for suspected FRAUD!
I did speak to a security team member who told me they were automatically closing my account and they would send me a check for my funds in 5 -10 business days.
Being a credit card customer for years did n't make a bit of difference, even after I tried to explain the deposits and offered verification for this.
After useless follow up calls and faxes, it is now 2 full weeks later, and they have not fully closed my account OR sent me a check with MY MONEY.
After each call, all they tell me to do is leave a message with the team ( intake only ) and they will call me back ... well I DO, but they DO N'T.
This account was paid to XXXX. I have no idea what company this is that is trying to collect addition money. I switched over from XXXX to XXXX XXXX XXXX and from my understanding XXXX XXXX XXXX was to pay from me switching over. This is a thrid party trying to collect funds when account was closed. CONVERGENT OUTSOURCING
On XXXX/XXXX/15 I sent a " MoneyGram '' transfer, I then cancelled the transfer a few hours later. I called MoneyGram to find out how long it would take to see the money back in my checking account and was told XXXX days. I have called them back 3 times since then and each time I call I am transferred at least XXXX times and promised I would see the money in a few days each time. It has now been XXXX days since the transaction was made. Their website states they issue refunds in XXXX business days. I called again today and after being transferred XXXX times and on the phone for an hour and a half and I was told to wait an additional XXXX days. No one there wants to help, no one knows why it is taking so long and everyone says to wait a few days just to get us off the phone. Can you please help me in receiving my refund.
I have been contacted by XXXX separate companies in the past 6 months claiming that I owe a debt. Even though I did n't belive I owed the debt, I paid almost {$900.00} to the first debt collector because I was threatened. Then less than 2 months later, I got a call from a XXXX company trying to collect on the same debt. They informed me that the XXXX company didnt " own the debt ''. I did some research and determined that XXXX companies were fraudulent. Upon learning this, my bank refunded the payment that I made. Now, my family members are receiving calls from a XXXX company looking for me for the same " debt '' ( this company has never called me personally ). I have documents from all of the companies. All of which appear to be official but after researching business names, addresses and phone numbers, nothing matches. Also, I requested proof of debt to be mailed to me, but they claim that they do n't have to ability to mail me anything ... .they can only email. I want all of these calls to stop and I would like to see if there is any course of action that I have for the harrassment.
The fees associated with the auto loan in question were not detailed. The amount owed never seemed to decrease through the loan term.
Good Morning to whom may concern, RE : Case XXXX, I, XXXX XXXX XXXX still in disagree with Bank of America in regards its refusal to delete of the Full Reconveyance ( Home Loan ending in in XXXX ), the last three lines that states on the scenario of full collection enforcement of the debt related to this Deed, even it was already BK Chapter XXXX discharged. 
So Far, I just received a letter of a third party " Law Firm '' from BofA that states on this matter wo n't be enforceable by any form by collection. 
I am in demand that Bank of America ammend the Deed of Reconveyance with the last lines related to the possibility of collecting the discharged debt. 
I 'll considering this matter dismissed when this legal recorded document has been edited with the part in conflict is deleted. 
This will be corrected in writing, clears the water. 
Thank You CFPB Staff
I purchased a car in XXXX 2016. The finance company is Alphera. In XXXX of 2016 I had a drastic change in circumstances and it is now a hardship to continue the payments. I contacted the company in XXXX 2016 to discuss options to solve the problem that would both provide some payment for the vehicle as well as have the least negative effect on my credit. Each representative that I 've spoken with has only offered a one or 2 month deferment, refinance that would lower the payment by {$100.00} but this would have to be income qualifying or voluntary repossession of the vehicle. I 've explained that my income would not qualify for a refinance due to my employment change. I have one other option which would be to pay-off the vehicle, which would be possible if I can sell the vehicle to a private buyer. I'v researched the vehicles value and it has depreciated by 50 % in 11 months of me owning the car. I 've had some offers on the car but would need the finance company to work with me on a settlement so that I can rid myself of this debt without ruining my credit. The finance company refuses to offer a settlement to a reasonable amount. I 've searched the internet about the company and have found that " Settlement Offers '' are offered by the company in the XXXX ONLY and not in the United States. I 've contacted the company several times requesting to speak with a member of the management team and have been turned away each time. I 've asked for the names and phone numbers of corporate executives and been told that they wo n't give me that information. I 'd like help with negotiating an affordable payoff for this vehicle.
XXXX and Equifax continue to report erroneous info on my credit file. I have uploaded proof of payment for an account with XXXX XXXX XXXX XXXX and they continue to report the account as charged off with an unpaid balance.
I have placed a complaint against Wells Fargo ( case XXXX ) in regards my Certificate of Deposit that were purchaseD under Wachovia Bank, who has since been bought by Wells Fargo, but all of the local Well Fargo branches are not able to locate the CDs. I recieved a notification that they will look into this issue but unfortunately it has been serval months since contacting them about the situation, and I still have n't been updated to the location of the CDs.
Made a purchase of a puppy off a website XXXX XXXX The puppy never existed ( only pictures fraudulently used on website ). The seller was working with a non existent shipper whose website has now been suspended. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I lost a lot of money as they were very believable. Please do not respond to websites for purchase of items especially pets that you actually can, t see.
I cancelled a contract that dish network forged my signature on. They say I owe them money, but I do n't. Anfi started calling me last month. I sent them an e-mail on XX/XX/XXXX telling them to stop. They did for awhile, but now they started to call again. I am going to sue dish in court very soon and this will be settled there.
On XX/XX/2018 Carrington Mortgages LLC approved me for a Mortgage Loan. My loan manager XXXX XXXX pre approved me for over XXXX dollars. I closed on a home on XX/XX/2018. My closing date was scheduled but it was changed four times due to inconsistencies of processing my loan application and mismanagement issues with the underwriters. I had three underwriters in the course of four month reviewing my loan. My closing dates changed four times. 

In fact, I was led to believe I was approved so I had an earnest money of XXXX XXXX dollars.deposit which I want in return for this issues and my loan manager not being transparent with me upfront that I wasted my time and money going through this burden past four months. 

My realtor told me that Carrington Mortgage LLC was going to return my deposit, I have not received it that's why I am writing this complaint I did not appreciate my loan manager speaking directly to my Realtor in reference to my loan and my medical conditions with the VA. During a conference call with the VA , my loan manager stated that I will not get a mortgage loan with another company due to what's in his credit report. I found this unprofessional and I was offended by this. 
This is unfair business practice and a violation of my privacy.
US Bank bumped up their overdraft fees on their checking accounts. At around the same time, they began marketing a US Bank Credit Card to customers to open so they can get a lower fee on any overdrafts if they were to occur. What a XXXX! You are bumping up the fees and then trying to get your customers to take out a line of credit they may not necessarily need. You need to stop using XXXX XXXX as your mentor.
Around XXXX XXXX, I noticed a fraudulent charge on my credit card for an online purchase at Best Buy. I immediately contacted Citi to dispute the charge which they approved as fraud. A day later a package arrived at my house addressed to someone else from Best Buy. I called Citi back to report that the alleged package arrive to ask them for direction on next steps. They informed me that they could not tell me what to do with the package so its at my discretion but that they had approved my dispute and the money will be credited back. I decided to return the phone to Best Buy. I explained to the customer service rep the situation and told them I needed to just give them the phone back and he said they could n't do that but they would have to issue a credit. I tried explaining that Citi had already given me a credit but he said it must be processed as a return anyway. I have also requested from Best Buy and Citi the IP address of where the item was purchased to provide to the police which I have not received from either company. 
My complaint is now that 3 months later I see a charge on my citi card that occurred on XXXX XXXX but posted XXXX XXXX. When I called Citi to inquire they said they were recouping the credit since Best Buy returned the item. I told them I understood but wanted to given some leeway as now I owe $ 900+ which I viewed as a statement credit at the time and was never informed that this could happen especially not after almost 3 months. I am extremely frustrated that Citi did not set the expectation of their policies on the front end nor was anything at any point communicated to me. I am a loyal customer who pays my bill in full every month, now I will endure a financial hardship for something I did not create. Once the credit from Citi was not corrected within a month, I reallocated my budgeted money. I asked Citi if there was anything they could do for me because of unexpected charge and now my responsibility to pay for it which will cause a financial hardship this month. I was only offered a {$75.00} statement credit for my time.
I have made multiple attempts to have a student loan account that has been on my credit file for quite some time resolved. I have reached out to Cfpb, and have still had no luck in removing a student loan account. 

I have a student loan account with XXXX University on my credit file showing to be open XX/XX/XXXX. I attended XXXX in the Fall of XX/XX/XXXX-Spring XX/XX/XXXX. I completed one year at XXXX and never returned after XX/XX/XXXX. The student loan account is appearing on my file after I left the University. The account has been closed a number of times, and later re-opened since the loan has been on my report. When I pulled my credit report it does not show the date the account became delinquent, which has been well over 7 years I never made payment on this student loan account. 

The FCRA Compliance Date is the official beginning of first date of delinquency ( DOFD ) which can not be changed once an account is charged-off. The 7-year clock begins 180 days from the time you FIRST missed a payment. Once a charge-off or collection account reaches seven years the credit bureaus must purge the account and it will no longer appear on future credit reports. This date from which the collection must be removed is informally referred to as the purge from date. 



The Fair Credit Reporting Act states : The 7-year period shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity ; charge to profit and loss, or similar action. 

Creditors can charge-off an account 180 days after the first date you missed a payment. The date you became delinquent begins the Aging process and once the debt has matured 7.5 years, it must be deleted from your credit report. 

Some creditors and debt collectors will report to the credit reporting agencies a more recent status date, thereby extending the negative reporting of the charged-off account. This illegal practice will hurt your credit score. 

Re-Aging a delinquent account is a serious violation of the FCRA. Once the original creditor reports the FCRA Compliance Date to the credit reporting agencies, it is set in stone. This date can not be changed or updated under any circumstance. 

XXXX has not provided any information about when the account became delinquent, and further more the account is showing closed XX/XX/XXXX, with a balance of XXXX dollars. The account was previously closed with a balance of XXXX dollars on XX/XX/XXXX, and prior XXXX has opened and closed the account with incorrect balances. This is affecting my score tremendously, XXXX attempting to re-age this old account is against the FCRA and the account needs to be removed. I also need them to provide the accurate date of when the account first became delinquent and 7 years from that date is when the account should be removed. Each time i try to have the validated I am sent a bill, THIS IS NOT VALIDATION.
These are bills that were from having XXXX take me to the hospital and for treatment of my back. This happened more than once as seen by the differant dates. I was found to be XXXX with XXXX and was put on XXXX XXXX/XXXX/2011. I recieved medicaid at that time. I also filled out a financial hardship form from the hospital that promised to pay most if not all of the bills. I submited the bills to medicaid too. They were suppose to pay bills up to two years before I was put on medicaid.
I have been fighting with Harley Davidson Financial Services since I was convinced by a misrepresentation of costs associated to finance a vehicle with them was done with me in 2012. Simple saying, I realized that this company is squeezing me with an absurd interest rates and I am simple tied with them to pay an absurd of interest. Which almost will make me pay the amount necessary to purchase XXXX of the vehicles at the final of the term. They had been irreducible and inflexible in almost every attempt I have done to solve the issue. I offered even returning the vehicle for them but the losses at my side of doing so is simple unacceptable. I am trying to renegotiate the loan with them at a reasonable, accepted interest rate or have a offer to purchase of return the vehicle that would be reasonable and fair. I already filled two different complains with the state of Florida financial services but they simple gave me the same responses I got directly from the company. I am pretty upset and feel myself unprotected, mistaken and frustrated. But I will not give up on my rights as a customer. I do n't know if because English is not my first language the sales person took advantage on me convincing that the terms were reasonable and fair at time of purchase. I am attempting to find finally a resort to protect my rights here with this agency
sent for and received a copy of my credit report, and it shows me to have lived in California. I have never lived in California in my lifetime.
The credit reporting agency, in spite of the fact that they have stated to the CFPB in response to another complaint that they have removed the incorrect information are in fact still falsely reporting that I have a Chapter XXXX bankruptcy. I never filed a Chapter XXXX bankruptcy. The public record shows one filing for a Chapter XXXX in XX/XX/XXXX that was successfully completed and discharged on XX/XX/XXXX
Since XXXX 2014 Experian has ignored my numerous requests to investigate, verify and remove XXXX account from my credit report that was opened fraudulently.
I have sent TransUnion numerous of certified letters requiring them to verify my Chapter XXXX Bankruptcy. I have included copies of the original disputes, which lists in detail the type of verification requested. I understand that my bankruptcy remains on my public record, not my credit report. This Bankruptcy is a third party reporting, TransUnion was able to get my public information. Bankruptcy XXXX and credit bureaus are not affiliated in any manner and the court is unaware of their process and procedures for reporting or removal of information from a credit report. In addition, the XXXX Court does not report or verify information with credit bureaus. The credit bureaus have their own procedure for retrieving information from the public record of the XXXX Court and the court has no knowledge in this regards. I ask TransUnion to validate ( 3x 's ) with the United States XXXX and provide me with copies of and documentation associated with my Bankruptcy, bearing my signature. This unsatisfactory as proof that TransUnion is unable to provide me the documentation. TransUnion, have not complied with my right to have validation of my Chapter XXXX Bankruptcy, according to the standards of the FDCPA, and you not responding is hereby rejected as a validation of the Bankruptcy. You must remove the collection listing from my credit report, or I will be seeking a minimum of {$5000.00} in damages for violation of the Fair Collection Practices Act, Negligent of Identity fraud and Defamation.
I am a US Bank NA customer & I have a complaint about the way the bank charges overdraft fees. The bank will tell you that you have until XXXX to deposit funds that will be credited to your account the same day. Yet I have checked my account as late as XXXX in the morning & it will show a positive balance only to check again later in the morning & find that they have processed checks, added to my account for the previous day which makes it overdrawn. They then charge me overdraft fees for those checks and/or debits added the previous morning. This seems to be a way for the bank to continuously collect overdraft fees. If I knew there were outstanding debits that were going to hit my account on a certain day I could try to cover them. When I do n't know then I assume my account is in good standing until at least the next banking day. This definitely puts the consumer at a disadvantage. If XXXX is the cutoff for a business day then the bank should not be allowed to post debits to accounts the next day as they have done to me on numerous occasions. I can only imagine how many other customers go through this.
There is a XXXX bill that has shown up by a credit agency and they continue to call me even though they know it was my ex-husband that opened the account. This is not my debt it was opened fraudulently and I want it removed from my credit report without further harassment. 

I should not be treated this way for something that I did not purchase or get the benefit of.
I submmited a fully document Request for a Loan Modification with mortgage company M & T Mortgage XXXX Investor XXXX XXXX XXXX to reduce my mortgage payment ; instead to consider my case for a HAMP review, they approved me for a Streamline Loan Mod that reduced my mortgage payment to 43 % of my monthly gross income ( {$2200.00} ). Also they decided to charge me {$980.00} modification fees.
Hello, My husband and I filed bankruptcy on XXXX/XXXX/2016 and were discharged on XXXX XXXX, 2016. However, XXXX XXXX and XXXX XXXX XXXX reported that we had an " Open Account '' and were behind in our payments. They never reported that we were in an active bankruptcy and that the accounts were included after being notified by the bankruptcy court and our attorney. However, I called Equifax and they repeatedly hung up on me and never changed or removed the information after sending them in our discharge paperwork.
About 3 weeks, I reported fraud to Experian and explained that my identity was stolen and that I have no knowledge of the credit card creditors listed on my credit report. I also explained that I had made an official report of my identity being stolen through the CFPB. Experian never followed up with me regarding one of the decisions they made to keep one of those credit card creditors, named XXXX Bank XXXX on my report. It wasn't until I checked my credit that I saw Experian 's comment of completing the investigation - in support of the creditor that I have no knowledge of. Experian did not properly investigate because they made a decision in only about two weeks to keep the unknown creditor on my report -even after I informed them that my identity was stolen and that I had reported my identity stolen. If they had properly investigated, they would have found that I have never lived at the addresses listed on the creditors files, I have never signed anything authorizing credit, and that my name is misspelled and listed incorrectly. My name have been listed fraudulently on creditors file as XXXX or XXXX. I also reported to Experian that I have no knowledge of the following creditors and that they are fraudulent activities because my identity had been stolen -and could have been do so through breaches of Experian and XXXX ; and that I have officially reported my identity stolen through CFCP Identity Theft 's reporting. Those creditors listed that do not belong to me, as I have never applied for them are : XXXX Bank XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX  I would like for these to be removed immediately, as I do not have knowledge of them, they do not belong to me, and my identity was stolen. Also, I have disputed XXXX as being listed twice on my credit file. I would like the one that I have disputed removed from my credit file.