WillisBack/dataset-financial-user-claim huggingface dataset:
At the end of XX/XX/XXXX, my mother ( age XXXX and XXXX ), and I opened a " XXXX Checking Account '' at Bank of the West. During the period that we had this checking account we took advantage of the Bank 's Bill Pay Service ( " BPS '' ). While the BPS was active we were charged many hundreds of dollars in " courtesy fees ''. Initially, these fees went unnoticed. However, by XX/XX/XXXX the annual statement shows fee charges of {$2000.00}. 

The Bank of the West operates under a fiduciary duty to their customers. Fiduciary duty means that the Bank has a duty to place the customers interest before the interest of the Bank of the West and its stakeholders. In our case the Bank has successfully avoided its fiduciary duty by programming their computers to charge customers a XXXX to XXXX XXXX dollar Courtesy Fee without prior notice, without cap, and without conscience. 

The annual fee charged by Bank of the West during XX/XX/XXXX was nearly twice the amount that my mother receives monthly. Meaning that the Bank has stolen two of her twelve monthly Social Security payments. This behavior is simply unconscionable when dealing with a customer who is senior citizen on a fixed income. 

I closed this account after learning of the excessive and unstoppable fee scheme in XX/XX/XXXX.
Equifax has refused to block information from my credit file as required by the Fair Credit Reporting Act Section 605B.

I sent a letter requesting the block on XX/XX/XXXX. Along with this letter was documentation establishing my identity and documentation supporting my claims that this was a result of identity theft ( e.g., my FTC Identity Theft Report, FBI IC3 Complaint, 2 police reports, and a criminal indictment ). This letter was delivered on XX/XX/XXXX.

According to FCRA 605B, Equifax is required to block this information within four business days of receiving the request and documentation. While 605B allows for companies to decline to block information, Equifax did not provide any explanation or claim under 605B as to why they were declining to block the information.

It has now been 10 business days. The information was blocked by both XXXX  and XXXX. Not to mention I have a letter from the creditor acknowledging cancellation of the debt.
I sent a dispute to correct errors on my credit file on XXXX XXXX and they ignored my request even though I sent it through fax and was given a confirmation that the fax was successful I sent XXXX pages and upon checking dispute through their website and none of the personal information or accounts that I disputed are under investigation and it will 30 days tomorrow.
MOHELA reports I have several Student Loans open from XXXX XXXX University and XXXX XXXX XXXX College. I only took one student loan. through my family 's credit union, and it was paid off, and I have never attended XXXX XXXX XXXX College. I have contacted MOHELA to report fraudulent activity every year for the last 10 years, and have been promised a packet of paperwork would be sent to me in order to get the accounts removed from my name, however, MOHELA never sends me the paperwork
I was at work and the person never would identify himself and kept asking me to identify myself, and when I did, I informed him that I needed to know who I was speaking with, he got smart and said I told you who I was and stated XXXX XXXX from XXXX XXXX. As I told him it was put in writing not to contact me and you should not be contacting me, he stated that he was calling in regards to collecting a debt, and I stated again that XXXX XXXX and the collection agencies that they have hired know not to call and he acted like it did not apply to him and kept harassing me with conversation regarding a debt, I am at work and I hung up and submitted this complaint
My XXXX year old mother-in-law, XXXX XXXX passed away in XXXX after a lengthy illness. In one of her purses, we found four unused {$25.00} Mastercard Gift Cards. We believe she received them as a gift either for her birthday or XXXX in XX/XX/XXXX. Today I went to " register '' them online and found they were worth nothing because there is a $ XXXX inactivity fee charged. So for each of the four {$25.00} cards, $ XXXX was deducted on each one. Since it has been a year, they are worth nothing. I think this practice is reprehensible. I've never heard of a gift card that charges $ XXXX for inactivity! On the package it says " Gift Card - The Perfect Gift use anywhere Debit Mastercards are accepted. '' Card information for each {$25.00} card # XXXX XXXX XXXX XXXX XXXX XXXX XXXX PIN XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX PIN XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX PIN XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX PIN XXXX Can something be done about this? It seems like this is a complete rip off. Thank you for any help.
Bank of America charged me {$60.00} in savings account fees for a year XXXX {$5.00} per month XXXX from XXXX XXXX to XXXX XXXX which brought my balance of {$100.00} to {$40.00} in the account. I have had this savings account with Bank of America for over 10 years XXXX since XXXX ) and have never been charged a fee ... they suddenly started charging this fees. 

I do not use this account and do not pay much attention to this account so I missed checking the statements. When i was recently reviewing my account I found this and called the bank on XXXX XXXX XXXX asking why they have started charging this fees in last year ... when this was not the case for the last decade. 

Their explanation was that there was some waiver on my account ( which I was not even aware of ) ... and it had fallen off in XXXX XXXX and they could not do much about the fees..and only returned {$10.00} as a courtesy. They even said I should be happy i was not charged the fees before XXXX XXXX. 

I think in this situation there was no transparency from the bank ... in terms of why there was waiver before XXXX XXXX ... XXXX they can not even explain that.. ) and why that fell off ... 

I honestly think there has to be some communication when there is a change in the fee structure to the account..and that did not happen.
At XXXX point in my life, I was married. My spouse and I got a divorce that finalized in XXXX. While married, my spouse and I had a joint bank account with Wachovia ( Which is now a XXXX Account ). The account was originally started by myself, in XXXX, but I added her to the account after marriage in case of emergencies. After our divorce, Wells Fargo would not allow either myself or my ex-wife off of the account without both of us being present. I asked about it in person, she later requested in after Wells Fargo almost deposited her pay check into my bank account. I was told that we both had to be present, which seems impossible since we live over XXXX miles apart now. 

A couple of days ago, my ex-wife made some bank transactions to pay bills, and wells fargo took the money from my bank account. I had spoken with my ex-wife about it, I am not sure how honest she is being, but she claimed that she tried to leave the bank account, but was well aware that we were still joined on the account ( Despite her last name being completely different now ), and that she tried to leave the account after they almost deposited her paycheck into my account, but they would not allow her to do so. 

The bank is not allowing me to dispute the transaction at all, despite the fact that my ex wife has a completely different last name, we are n't married anymore, and it appears as even if I continue to bank with them ( Which is unlikely to happen ) that we will always be automatically linked to the original account in some way shape or form. As a result, I feel as though they are trapping me, and or refusing to resolve a simple problem.
First it should be known that I 've never been late on a car payment, credit card, mortgage or any other bill in my entire life. Chase Bank conducted a surreptitious and unsolicited review of my credit without my permission subsequently reducing Credit lines on several of my Chase credit cards so the ratio of debt to available credit skyrocketed. As a result of this action by Chase bank my credit score plummeted, other banks followed with similar action reducing credit lines and I consider this to be defamation of credit. This is a terrible injustice to me as a consumer and as an American who takes pride in never having been late or behind on any of his bills. I feel this action was taken to try to recover some of the monies paid in fines by Chase to the federal government for other unfair business practices in their organization. I feel I have been unfairly targeted.
I have an account with Coinbase.com for buying and selling Bitcoin. My main concern is that I initiated a wire transfer to Coinbase.com and after 9 days, my account still shows 2 messages Not Verified and Transfer Pending. I am very concerned since Coinbase states wire transfers are completed the next business day. Also, I am alarmed that this is not an isolated case after reading through their support forum.
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On the morning of Thursday  XXXX   XXXX  2017, I initiated a wire transfer in the amount of {$11000.00} from my personal checking account to my Coinbase.com account based on the explicit wire transfer instructions ( see attached ) provided by Coinbase. Coinbase support forum state wire transfers are completed by next business day. Next business day was Friday   XXXX    XXXX  2017. I opened a support case with Coinbase on  XXXX   XXXX , 2017   XXXX   ( see attached ). The only response I have received to date is Coinbase deleting any of my additional submitted cases which is very frustrating since they dont have time to process my wire transfer but can delete duplicate cases. Furthermore, the wire transfer instructions are still available which indicates to me they are not warning customers that wire transfers are an issue. At best, they are running a business with extremely poor customer service and at worse they are committing fraud in my opinion. There is no other way to contact Coinbase support to resolve my issue.
Equifax refuse to remove Federal tax lien. I supplied a copy ofform XXXX XXXX ( Withdrawal of filed notice of federal tax lien release )
Filed dispute with Experian on XXXX, XXXX & XXXX. The nature of my dispute was requesting contract with my authentic signature that started alleged debts. 
As of today, have not heard back from Experian.
Bayview Loan Servicing a Debt Collector sent more than XXXX dunning letters and demands regarding an alleged debt that does not exist. Bayview is a debt collector that does not have prior consent to communicate with me. Bayview has also used several names and different account numbers regarding the same alleged illegal debt. Bayview must obtain verification from the original Creditor, 1692g ( a ), original loan level documents, additionally provide its own validation in compliance with the FDCPA. Verification must be sworn to under oath or affirmation as required. Bayview has been given ten days to comply. If failure to do so, Bayview 's alleged debt will be permanently barred and all expenses, costs, damages and fees will be billed.
I have tried repeatedly to have Equifax update my personal information as well update my creditor account information. Equifax has continually refused to do this. They insist that they have the information that is being reported by my creditors. I have informed them that they do not have the correct information and that I know my creditors have sent updated information. The information they are reporting is 7 months old, well past the 90 days it should take them to update information from lenders. They are still showing two accounts, which my name is no longer associated with, as being open and they are showing an incorrect balance on a third account. In addition, I have asked them to update my new legal name to match the name on my social security card, drivers license, and credit cards. Again Equifax is refusing to do this claiming that they can't prove my identity when I have answered every question they have asked. I'm sure had they updated my information from the lenders at some point in the past 7 months they would have discovered that my lenders have the new legal name already.
I received a call from the company. I didn't think the debt was mine. I asked for a copy of a bill and received an incomplete bill. They dinged my credit and my wife - currently the only negative information on our XXXX.
urned in my XXXX XXXX XXXX lease with XXXX XXXX in XX/XX/XXXX under the provisions of the XXXX. Received confirmation of the lease turn in XX/XX/XXXX after several attempts to contact XXXX. Received multiple statements from XXXX claiming that we owed money on the remaining payments while I was XXXX to the XXXX XXXX. XXXX XXXX  told us multiple times to disregard the statements that our account would be fixed since it was turned in under XXXX. In XX/XX/XXXX we went to purchase some land and saw that we were shown as having late payments on our account for several months after the car had already been turned in under XXXX. After several attempts ( probably 20 or so ) contacting XXXX XXXX and talking to multiple customer service reps and managers we were assured that our account had been corrected. As of today XX/XX/XXXX the account still shows 60 days late on all three credit reporting agencies with updated dates in XX/XX/XXXX despite XXXX telling me that their system shows it being cleared with no late payments. I have been promised that we would get a letter that states the account is incorrect on multiple occasions and have still to receive any letter. This has now cost me hundreds of dollars in additional fees and deposits required to establish new accounts because of the incorrect information. I have been promised for months that the issue would be resolved, yet nothing has been done to correct the issue. I was told to dispute the information that it must be incorrect with the credit reporting agency. I did dispute with XXXX which returned with an affirmation from XXXX XXXX that the information was correct.
On XXXX XXXX, XXXX, I noticed XXXX fraudulent ATM withdrawals ( {$400.00} each ; total {$800.00} ) pending from my Citibank checking account. I immediately contacted the Fraud department to make a claim for XXXX unauthorized transactions. Because it was a Saturday, the Fraud dept. could not tell the exact location where the cash was taken. On Monday, XXXX XXXX, XXXX, those XXXX fraud transactions posted on my account showing funds withdrew from an ATM machine in XXXX, XXXX. I am physically located in XXXX XXXX, XXXX. I have no relatives in XXXX and have not made any trip there throughout my entire life. When I called to make a report on XXXX XXXX, XXXX, I told the fraud dept. that on XXXX XXXX, XXXX, I authorized my mother to withdraw only " XXXX XXXX dollars '' from an ATM located in XXXX XXXX, XXXX. The XXXX unauthorized transactions were withdrawn XXXX hours apart from that transaction which I did not authorize. I clearly made my statement however Citibank Fraud dept. has declined XXXX of the XXXX unauthorized transactions, stating that " I authorized the withdrawal of XXXX of them. '' This is what I learned from the Assistant Branch Manager at one of the branches in XXXX, XXXX on Monday, XXXX XXXX, XXXX. 
This is totally absurd and ridiculously where Citibank Fraud dept. has fraudulently stated that " I authorized it '' in order to deny refunding me {$400.00} plus the non-Citi ATM fee of {$2.00}. As of now, I am still waiting to see if I will get my remaining {$400.00} + {$2.00} back which I had to make another separate fraud claim on Monday, XXXX XXXX, XXXX. 
How could I positively authorize the withdrawals in XXXX XXXX when 1 ) I live in XXXX XXXX XXXX and the ATM card has been in my possession all the time, 2 ) I can not possibly make a 2-hr fly to XXXX, XXXX from XXXX XXXX, XXXX, and 3 ) I have no relatives in XXXX XXXX nor has ever made any trips there. 
I 've been with Citibank since XXXX and it 's a great disappointment to know how the Fraud dept. can carelessly accuse someone making an authorization where no basis or evidence was provided to the consumers. This is one of the example that Citibank Fraud dept. commits a " fraud '' themselves. This is the first time it ever happened to me and I 'd like the Consumer Financial Protection Bureau to know and take appropriate actions to protect consumers who may have ran into similar situations like myself.
Today is XXXX/XXXX/2017, Equifax has just had a massive data breach affecting most people with credit, even though they did not choose to have their information stored by Equifax. 

Anecdotal reports indicate that whether the website will tell you if you were affected or not is randomly generated and they are using their own security negligence to push more paid services on the consumer. 

I find it unsettling that most companies offer 2 factor authentication for free to protect your information but credit reporting agencies do not and will even charge money for monitoring. 

This data breach can affect anyone involved many years later and the company should offer free monitoring for at least 7 years to anyone affected. They should not be trying to profit off of a breach that their own negligence has caused.
I have had XXXX initial contact with ACB Recovery and in that conversation, I have stated that I did not have the means to pay because I was disputing the charge. I told the person, that I would contact THEM once the balance with the payee was resolved. Since that conversation, ACB Recovery has called me everyday for a period of more than XXXX consecutive days between the hours of XXXX. This constitutes harassment.
Dear CFPB, I am having a problem with accessing my credit. I 've applied for XXXX ( XXXX ) credit cards from XXXX. In XXXX 2015, I was denied and the reasons for their decision was credit bureau information missing or unavailable. I made a complaint to XXXX and they gave a response that was somewhat satisfactory. They explained that a initial fraud alert was placed on XXXX credit file. I then resubmitted the same application a month later and was denied for the same reason. I spoke with a supervision in the application dept. on XXXX/XXXX/15 at approx. XXXX and it was suggested to me to contact the CRA and get the initial fraud alert removed because they are not able to see items in XXXX credit file.
I want to express my frustration with working with Nationstar Mortgage { Mr.Cooper } as so its now called, in working with a Loan Modification on my subject property located in XXXX, New York. I 'm very certain that they changed their named to Mr.Cooper  because of all the lawsuits that they keep receiving due to mismanagement of files, and also for misdirecting clients and forcing some clients to loose their house to foreclosure due to not understanding the situation of the client. 
My complaint has been going on with Nationstar for a while. It started years ago with with a simple request of a Loan Modification due to my default in XXXX XXXX XXXX. All the time through the process, they kept requesting the same documentation over and over again with no results. They claim most of the time that documents were not received or mishandled. All the time we tried to contact them for an update, there is a different representative, not only did they not know what was going on with the file, but they could not find any updates, any documentation of my file. Most of the times they kept telling me that there was no current updates and that an account specialist will follow up with me and they never did. 
It is not my fault that I felt behind on my my mortgage and have caused this large debt to be accrued. I have done everything in my part as they have requested, until this date no resolution has been reached. I finally was able to execute a complete package, and have the correct income to qualify for my mortgage. I was able to rent part of my property and collect a rental income of {$2500.00} on a monthly basis. My daughter is able to give me a contribution to assist me with the daily expenses we have in the property and for the family. All I 'm looking for is for HELP. 
Now, Nationstar has placed a sales date on my property and is for XXXX XXXX XXXX. I do n't understand why they have placed a sales date, when I been doing a loan modification to save my home, you have a complete package with updated information for a review, and you do not want to open a template for a review my loan modification for a possible solution, all you want to is sell my house on foreclosure auction unless if I can reinstate. If I was able to reinstate the loan, I would not be asking you for help when I really need it. I believe you have been " dual tracking '' my case. If I was in process of a loan modification, foreclosure should have been placed on hold until a review is completed. You are against the law at the moment for not opening my case for a loan modification, and forcing me to foreclose. 
I believe its just not fair that you ca n't even give me the opportunity to have my file be reviewed for a loan modification, to give me an opportunity that I can show you I can afford my house, and have a win win situation not only for myself as your client, but for the investor of this loan.
I attempted to obtain my yearly free credit report on or about XX/XX/2018 via the XXXX website. I was able to get one from XXXX but there was a technical glitch when I went to get the ones from Experian and XXXX. I submitted a customer service request via the website form stating that I wasn't able to get the Experian or XXXX reports but I received a letter in the mail from Experian stating I had already received my free annual credit report. A date of my having received this report was not given. I rarely request my credit report. Perhaps every three years or so - I'm sure you can check that figure. I believe the date they claim I " received '' my credit report was the exact date I sent the customer service request email stating that I was not able to view, print or download the reports.
We cancelled home Internet services with XXXX XXXX XXXX when we moved. We went into the store closest to our home, returned our equipment, and paid our final bill in full. We have the receipt for this transaction and we were told at the store that we were " good to go. '' XXXX XXXX XXXX reported us to a debt collection agency for non-returned equipment one month later. We received absolutely no notice that this would occur, even though the company has our mail forwarding, current phone number, and email. The first information we received was from the debt collector notifying us that we had been sent to a collection agency.
Equifax did not verify the accounts I disputed on XX/XX/2017. I requested a copy of the verification for the accounts in dispute however I did not receive any.
On Friday, XXXX XXXX, 2016, I submitted an Identity theft report to Experian. On This account was documented in the Identity Theft report that was provided to Experian on XXXX XXXX, 2016. The account in question was for a collection company called XXXX XXXX XXXX. On XXXX XXXX, 2016 Experian removed this account. 
On XXXX XXXX, 2016, Experian added a collection account from a collection company called XXXX XXXX XXXX. XXXX is attempting to collect the same debt that XXXX XXXX XXXX was attempting to collect which was a fraudulent account documented in the FTC Identity Theft report, the police report.
I went in speedy cash on XX/XX/XXXX2016 to apply for a loan but I was told by a speedy cash rep. That I already had an existing account with them.I told the speedy cash rep. That the existing account was not mine and I have never gotten a payday loan from speedy cash.so based on the existing account not belonging to me I have been permanently blocked from getting a payday loan from speedy cash.
I filed disputes for removal cause of missing information from credit rating, amount paid, balance incorrect, and incorrect account number
i was told by paypal credit i will have no interest and or fees for XXXX months after buying merchanidise on all merchanidise however now i find that paypal has spilt some payments for interest and fees to be paid in full