WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX I opened a " Business Value 200 Checking '' account at BB & T online website. Deposited {$250.00} initial deposit via debit card during opening process. I set up online banking, was able to log in to see account. 
XX/XX/XXXX I realized I can not log into Online Banking due to " account locked. '' I tried to reset my password, system told me to call in to BB & T Online Banking help XX/XX/XXXX I called Online Banking help, was told that account was locked and closed due to " risk management assessment. '' I was also told that I need to go into a branch with identity/address proof to unlock the account. I said I do not want to deal with this anymore, I want to close my account and retrieve my {$250.00}. Was told to call New Account department on Monday when they open. 
XX/XX/XXXX I called New Account department, was told the same thing as before : account is locked and can not be reopened until I go to a branch to reactivate by providing proof of business and address. I told them 1 ) I can not go to a branch given my work/travel schedule and their operating hours, 2 ) I do n't want to use this bank anymore so I just want to close out the account and retrieve my {$250.00}. Rep ( XXXX ) tells me this is the bank 's process that must be done, there is nothing else offered. I ask if I can fax or mail them proof instead, since I can not make it to a branch ; she says no. I ask XXXX if there is a policy written anywhere that I agreed to that this is the process that must be followed for reactivation, she says no. She reiterates there is no other recourse before I can get my funds back.
In early XX/XX/XXXX, I mailed investigation requests to the credit bureaus, asking them to look into three accounts reporting incorrect information on my credit report. XXXX responded two weeks ago, but I have yet to hear back from Experian or XXXX XXXX.
To Whom It May Concern, I have learned that you are reporting 4 accounts on my credit report with the following balances : {$12000.00}, {$13000.00}, {$13000.00} & {$0.00} which I have repeatedly asked you to validate that the information being reported is correct. The account status shows charged-off yet a balance is still being reported to the Credit Bureau. This information is inaccurate and therefore does not comply to the FCRA. I have disputed this with you on multiple occasions and requested you provide me with my signature of proof that this is indeed my account. Your company did not reply in a timely manner to both letters I sent and which you signed for, one on XX/XX/XXXX and the other on XX/XX/XXXX. By not replying my letters, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing these accounts are being reported accurately. Your non-compliance of federal laws under the FDCPA, FCRA and state laws is unacceptable. I am requesting you resolve my concerns immediately. Failure to do so may require I pursue a small claims action against your company.
I received a Discovery Request dated XXXX XXXX, 2016 from Lloyd & McDaniel representing XXXX. They claim I had an account with XXXX, formerly XXXX and owe a debt. There is no record of that on my credit. I have spoken with their agents several times and they have advised me that they do n't have to provide any proof of the debt and a debt does n't have to be on my credit to be valid. I filled out and sent in a fraud packet in XXXX, but they said their client rejected it.
Hello, I have called to speak with Finance System of Toledo on several occasions starting XX/XX/XXXX. During the initial call I spoke with XXXX XXXX and explained to XXXX that an account from XX/XX/XXXX was on my credit report and I am unsure what the account is. XXXX goes on to tell me that the account is paid and what it is from. I explained that I have never received any notification of this account in the past and that I am unaware of the account. XXXX said " No worries he would send over a request to have the account removed from my files '' which it is only listed on XXXX. I called XXXX to let them know they will be receiving notification to remove the account. I called back later that day to double confirm the deletion and a lady representative stated XXXX did send the request and it will be removed. I called again XX/XX/XXXX to confirm again because the account was still listed on my XXXX report and was transferred to XXXX XXXX and he confirms that the request was sent and it would be removed soon. On XX/XX/XXXX I checked my XXXX report and noticed Finance System of Toledo is still listed on my report. I called XXXX and they stated they they never received the request to delete but in fact they received information to keep the account listed and recommend me to contact the agency. I called and was transferred to XXXX XXXX and explained the situation again. This time he stated that he sent information stating the account was paid. I explained the account was already listed as paid so that request would n't have been requested and reminded him that he stated he was sending a request to delete the account. XXXX says " oh yes that request was sent and I will have our department resend it ''. I called XXXX to update them on what was stated. I then call Finance System of Toledo to confirm this " special department '' that handles deletions and the female rep stated there is no such department. I explained I am very confused and quite irritated with the lies XXXX XXXX and the other reps that confirmed this deletion. I asked to speak with a Supervisor. No Supervisor was available so I left a message for a XXXX. XXXX returned my call at XXXX EST on XX/XX/XXXX and stated she does not see any notes from any of the reps I spoke with and she would need to look further into the issue because she has no call history for me. I am done with getting the runaway from Finance System of Toledo and am willing to take the proper legal steps if the account is not removed.
None of the previous information on this form applies because there is no option for selecting " Other '' or " N/A ''. In early XX/XX/XXXX I saw on the State of TX website for unclaimed property/money that CitiBank had unclaimed money belonging to me of {$290.00}. It was reported in XX/XX/XXXX, but the reason for it was unclear. I had no accounts with CitiBank. In the past, I had 1 credit card through them, but it was closed a number of years ago. My complaints against CitiBank include the following : 1 ) I spoke to several different depts of CitiBank and was told by all that they had no record of having unclaimed money belonging to me and therefore, could not refund it to me. - CitiBank made no effort to contact me regarding that money because my address, phone numbers, and email addresses have not changed in many years. 2 ) I eventually recovered the money by going through the State of TX, but if I had not seen it on their website, I never would have been notified or received my money, thanks to CitiBank. I wonder how many other people 's money they are holding with no attempt to contact them.
My current TransUnion report shows XXXX separate XXXX accounts. XXXX switched all customer credit cards on or about XX/XX/2016 from XXXX to a XXXX account. Yet, BOTH still appear on my report as separate accounts, with both showing a credit limit of {$18000.00}. This is in error. I only have XXXX account with XXXX, and it is now a XXXX account ( beginning with the numbers XXXX ). Please show the previous XXXX account as PAID ... or remove it entirely from my report. It is a duplicate account that does n't exist now, and the debt showing of {$11000.00} is not valid. My current balance is around {$10000.00} and is associated with my new XXXX account with XXXX.
Time after time this is a never ending battle with Select Portfolio Servicing to receive a loan modification. Im still having issues and have very big concerns regarding my home and Select Portfolio Servicing. They have placed my home on a foreclosure sale and has not yet removed the sale due to my loan modification in review.

As soon as it seems like we are moving forward with the review process they are in need of something else. Finally they said they have all requested documents in their Ombudsman department.

SPS has all my loan modification documents needed for a review they are reviewing it but still have the foreclosure sale when asked Select Portfolio Servicing they say its still active. How if im in review they still have the sale up. Im really worried about them selling my home. They have been jumping me around for a very long time now with my loan modification. I can not get a loan modification without them threatening me with a foreclosure sale date. I still to this day can not get a loan modification they always denying my loan modification. Please help me with this I have sale on my home XX/XX/2018 I am out of options I do not know what else to do for them to stop the sale and give me a loan modification. Please help me please I need someone to talk to about this. They are violating my Home Owner Bill of Rights and I need the sale stopped imminently for my modification to go through. This is way too long over two years now and I can not get an offer. Im ready to pay my mortgage but need help setting up and receiving a loan modification.
I SENT THIS COMPANY A LETTER DISPUTING TWO CHARGE OFF 'S THEY CLAIM IS MINE AND THEY DID NOT SEND ME INFORMATION VALIDATING THAT IT IS MINE.
XXXX/XXXX/XXXX XXXX systems used Transunion XXXX XXXX XXXX has incorrect information on my report. They are stating there is a judgment that is on there which does not belong to me. I have disputed it with them and they are stating they made an investigation but they ca n't tell me how it was verified and when. 

this information is inaccurate, i do n't have any evictions record at all. I want this deleted immediately.
I bought XXXX BTC from Coinbase, Inc on XXXX XXXX 2017 using a debit card. As per their site, debit card transactions should process " instantly '' and the Bitcoins should have been in my virtual wallet on Coinbase. It is now over a month with no contact from Coinbase, little to no support or even the ability to speak to a person. I have sent multiple emails and the responses are computer-generated messages with no information of the status of my transaction. The money left my bank account immediately so I do not know why I have not been able to receive my Bitcoins. I just want this transaction to go through and then I am closing my account. Coinbase is a scam, where they take your money and offer no way to contact them or get your money back. They make too much money of every single transaction that this kind of issues are unacceptable.
Navient has misapplied my payment in the month of XXXX, XXXX & XXXX. I have been working with them since XXXX to get the payments corrected. As of this time they still have been unable to fix my accounts. My complaint has made its way to the office of customer advocates which I was told is the final level of account escalation with Navient. I do n't know where else to turn for help.
Bayview Loan Servicing is applying an additional fee that states " Recoverable Corporate Advances '' to my Mortgage payment before the grace periods has expired. I was never advised of this information and why is there an additional fee applied to the payment that is received on or before the grace periods has expired. I was advised during the modification of my loan that my payment needed to be received on or before the XXXX of the month.
Portfolio Recovery Associate ( XXXX XXXX XXXX repeatedly contacting me to collect a debt I do not owe. Several months ago, I proved it was not my account and original creditor, XXXX Office, cleared my information however, XXXX XXXX, ruined my credit report and caused damage despite me proving I was not the person that owed the XXXX bill.
My Bank of America card set up for Automatic payments on the XXXX of every month of {$100.00}. From XXXX - XXXX of 2015, I have been charged Late Fee. I contacted their customer service and they indicated I was a day late every month. I tried to explain that would make me 29 days early every month. 
The customer service rep told me " NO '', I was late every month and being charge a late fee. These late fees of {$25.00} - {$37.00} for 6 months should be refunded to me.
XXXX XXXX XXXX XXXX initially was trying to collect on a medical bill that was paid, and they placed a collection on all 3 credit bureaus. All 3 was deleted and they reInserted the line. Again XXXX and XXXX deleted the bogus item. I am enclosing the documents. As for XXXX they will not, even though they are reporting the account as being DELIQUENT as of XX/XX/XXXX .... but the catch here is my XXXX was on XX/XX/XXXX. As confirmed by XXXX XXXX, this account wasnt delinquent and the bill wasnt generated until XX/XX/XXXX. So for this medical bill ... before my insurance could settle up .... 3 months and 14 days later they are reporting it as a collection account. With the new laws I was under the impression we had up to 6 months to get the situation taken care of because of the insurance companys protocol. Again this is there 2nd time inserting this on my credit file. Please remove this collection asap..!! Thanks in Advance
On XX/XX/XXXX and again on the XXXX 2018 I called TransUnion Credit Reporting Agency to get XXXX inquiries off of my report that should not be there. They said I needed to talk to the fraud department who then also gave me the run around and said I should be talking to the people I first spoke with who transferred me to them in fraud department. This went on for 2 days. They said they did not know how they could help me. This action has cost me XXXX in business working capital that our business needs to operate.
There are missing payments on my loan lost by Santander Consumer USA. They are impossible to get help even though I have sent proof of payments
I sent Transunion a letter on XXXX, 2018 and a follow-up letter dated XX/XX/XXXX asking that Regular Inquiries on my credit report be removed and I also sent a letter on XX/XX/XXXX asking that three Public Records be removed. I attached a  letter from the U S Bankruptcy Court in Missouri, stating that they do not verify public record information with credit bureaus. Per a conversation with a Transunion supervisor on XX/XX/XXXX, he stated that my letters were invalid and would not send me their decision in writing. Please refer to File No. XXXX.
This letter is in dispute of account number XXXX in the amount of {$1000.00}. XX/XX/2012, I spoke to a XXXX customer service rep that misrepresented the unlimited data plan. I was told that it was unlimited data all inclusive, but was sold the product incorrectly, it was not unlimited data. I asked the rep several times before accepting the plan if was truly unlimited and he said it was. I was lure to accept a package that was not actually unlimited data. I would have never agreed to the terms of the plan, if I had known the correct facts. I had also explained to the rep that my husband was injured in XXXX and XXXX retired so I needed a plan that would not be a financial burden. I received a bill that was over $ XXXX-XXXX. I called and spoke to a XXXX manager, who review the recorded phone and indicated that the rep did provide inaccurate information. He also stated there was not anything he could do to help us. We canceled our contract. The charges include early termination fees.
XXXX   XXXX , a lender that I have had a roughly 8 year relationship with and having never been late for a payment, incorrectly reported to the credit agency Experian that my installment loan account was in " past due '' payment status, when it is, and always has been, current. I called them a month ago, and they have failed to fix this, resulting in my being rejected for an auto loan.  XXXX    XXXX   are crooks. Steer Clea r!
I had my credit card number changed XXXX over the last year by the issuer for fraud prevention. The automatic payments I had on the old card numbers were apparently going through, with no alert or issue, even though those old card numbers were supposed to be inactive. The issuer never issued a statement of any kind on these charges. The oldest number was changed in XX/XX/XXXX. On XX/XX/XXXX the issuer moved XXXX of these charges to my current account with the note " MOVE DEBT FROM FRAUD ACT '' for a total of {$1400.00}. I have no way of knowing if the vendor, date or a way to verify these charges. I called the issuer and they refuse to take these charges off even though they can not give me a statement as to who billed and when. They simply label the charge " MOVE DEBT FROM FRAUD ACT ''.
Inquiries on my report that were not authorized by me XXXX XXXX, 2015 XXXX XXXX,2015 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate information information being reported XXXX XXXX # # XXXX incorrect past due balance XXXX XXXX # XXXX incorrect past due balance XXXX XXXX collection incorrect reporting account open date Contacted transition, XXXX, XXXX  to report unauthorized inquiries and they failed to remove the inaccuracies on my report
I am the mother of XXXX children with savings accounts in your institution. In XX/XX/XXXX, I went into a branch in Florida and opened XXXX custodial accounts. I have been struggling since then to save money for their future as every month Bank of America takes {$5.00} monthly fee from each account. At times, putting me negative and I have to add more money to just have a positive balance. To my dismay, I just found out that this is something that was not supposed to happen and the account was opened in XX/XX/XXXX incorrectly by the financial representative. The person put my date of birth instead of my childrens date of births and due to the representatives error, my children have been financially affected. Bank of America has been stealing my childrens money for years. I have been trying to save for their future, college, etc and it is to the point where I had to open accounts elsewhere because I am fed up with the theft of my hard earned money. 

I called Bank of America and was told that they could not return my kids money for the years that your institution has stolen from me. They could only go back to XX/XX/XXXX. How is this possible? The money that was stolen was not BOA money but my childrens future funds. Bank of America has been robbing us blind for years and will not do the right thing by reimbursing the service maintenance fee since the accounts have been opened as well as any negative balance and overdraft balance paid. As a Bank of America customer since XX/XX/XXXX, I am appalled at how this institution can rob childrens accounts and do nothing to fix it. I even went to an actual branch today and was told they could only do an incident report and wait 14 business days to see IF it will be decided to refund money that WAS NOT YOURS TO BEGIN WITH. I hope that this email reaches someone that can do something to change this.
My loan provider, Navient, formally XXXX, would not work with me on repayment options. I was not given options in terms of repayment based on my income and family obligations.
Citibank chose to close my credit card after 5 years of current payments, with no reason or advance notice in XX/XX/XXXX. 
At first it was told to me that I was not current on minimum payment. Untrue. 
XX/XX/XXXX Citi operator said it closed due to suspicious activity. 
I have yet to be temporarily credited or documents on dispute I addressed in XX/XX/XXXX by XXXX XXXX for {$560.00} in XX/XX/XXXX, unauthorized. They closed the account, issued new card w/ account, but denied me $ 0 % liability on unauthorized transactions. 

1. I am NOT paying the disputed amount plus interest on the XXXX XXXX charge. 
2. Explain why Citibank choose to close my account. 
IN WRITING OVER CFPB ONLINE AND TO MY MAILING ADDRESS. 

Regards
I was utilizing the XXXX XXXX sight and saw a balance transfer offer from Barclays Rewards card. I transferred over a XXXX credit card balance over to Barclays and come to find out that the amount of the new interest rate was much higher. It just seems deceptive and/or misleading that a consumer can transfer a balance over with a potentially lower interest rate
To whom it may concern, I was planning on buying my first home i had checked my credit and seen that I have 22 accounts that does not belong to me. I do not know if it 's a mixed credit file or if someone has been using my info, But what I do know is that these accounts on my credit file does not belong to me. One of the accounts are Grant Mercantile Institute. On XX/XX/2016 I filed a police report with my local police station and filed an FTC Affidavit with the Federal Trade Commision. I then sent all that info plus some supporting documents to the credit bureaus and the creditors of the accounts. After waiting 30 days I received an response from the 3 credit bureaus that they concluded that my claim was frivolous. In accordance with Section 623 FCRA, 15 U.S.C. 1681S - 2 of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ) section 623 ( a ) ( 6 ), If a Furnisher learns that it has furnished inaccurate information due to identity theft, It must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information Section 623 ( a ) ( 2 ). 

When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f )
I have found fraudulent accounts in my report :  XXXX   XXXX   XXXX  -  XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX
On XX/XX/2018, I spoke with Wells Forgo about refinancing my car loan. At that time the information I received I knew there was no need to run my credit. There fore I asked them not to, but they did without my consent anyways.
I applied for a loan modification with flagstar back in XX/XX/2018. After reviewing it they say wasn't eligible. I never got a denial letter. Called them daily telling them I never received the denial letter. Flagstar told me to write it up and send it in and include new income. I did exactly what they told. I called 2 sometimes 3 times a week to check on my appeal. They kept saying it was being processed. They even have been rude. You can pull their phone records. They are unprofessional. Ok finally you got supervisor on the line and she told me to send in my contributor receipts I did. Ok called back something it is being processed and they have 30 days to come back with a response. They did not look at my new income at all. They automatically said it wouldn't work. So on the last day a loss mitigation representative XXXX called to say that the underwriter needed 30 days of pay stub. I have been calling 3 times a week and never was told this. On their loss mitigation package it clearly states to send in 2. I said ok I will upload them tonight. Well she assured me she will te the underwriter. But then I get a call back from the XXXX stating that I have to reapply. I said why because it is passed your 30 days. That is not my fault. I have been in communication with flagstar. I am XXXX  now because I did request to speak with a supervisor about the situation never received a phone call. It has been 3 week now. I sent back the application the next day with supporting documents. My loan is back in foreclosure with a sale date. Now everytime I call I am missing something. I uploaded everything they ask me to ... the loss mitigation XXXX stated she see the documents but the loan processor XXXX doesn't. They are trying to foreclose without helping. I need help ... please I am XXXX. They are doing the exact same thing they were made to pay for.