WillisBack/dataset-financial-user-claim huggingface dataset:
Disputed with the company XX/XX/18. It is now XX/XX/18 and I've yet to hear back from the company. The FCRA gives the company 30 days to respond and I've yet to receive a response months later. 
The company was Source Receivables.
I was not properly notified when I was required to renew my income based repayment information and {$1700.00} was withdrawn from my bank account, when I normally pay {$130.00}. After speaking with Nelnet they told me they were unable to refund any portion of my payment.
This money was sent to purchase a truck which was thought to be through ebay motors. once the transfers were made the individuals involved gave a delivery date and we were waiting on the tracking number which never arrived. we have tried to contact these individuals with no reply. there was no problem with communication before. now thy do n't exist. this was our savings and fraud has been commited.
I have repeatedly told Wells Fargo Dealer Services that they can only contact us via mail or XXXX phone number. They have violated this notice on 3 separate occasions, XXXX/XXXX/16, XXXX/XXXX/16 and XXXX/XXXX/16. XXXX XXXX XXXX, a supervisor, has no explanation of why they continue to violate federal law. Wells Fargo has been told to only contact us at our home number of ( XXXX ) XXXX, however, they continue to harass us and contact me at work and on my cell phone. They have contacted me 3 different times at a phone number not authorized for contact.
I made an additional payment manually after the auto payment posted. Unfortunately, the extra payment was returned NSF by my bank. My credit account is in very good standing and has never been delinquent. 
I inquired with the XXXX XXXX XXXX and was informed that if a second NSF occurred in the future, my account will be automatically closed. It follows that only one returned payment due to NSF is allowed by the policy of the bank, regardless of if the NSF results in a missed on time payment or not. 

I believe it is very unfair and unnecessarily adversarial to count a voluntary additional payment returned NSF, to count as the single allowed NSF before the account is closed if a second NSF occurs. 
Now, I worry that should a second NSF occur for whatever reason, the axe will fall and my account in good standing will be closed even thought the payment that was returned NSF was an additional payment that did not result in a failed on time payment, or late payment.
XXXX   XXXX   XXXX    bank which was acquired by Huntington National Bank is showing I owe a balance of {$4100.00} on my credit card. They have not submitted updated information to reporting agencies since   XXXX  2017 . I transferred the balance of this   card to another financial institution on    XXXX  /17   . I want the balance of the   XXXX   XXXX   XXXX     XXXX   XXXX   on my credit reports as my reports inaccurately reflect that I have more revolving debt than what I actually do. I also want a letter confirming action was taken.
I became behind on my mortgage payments due to several reasons. PNC Mortgage kept sending payments back due to lack of full payment for all that were due. I contact a law firm and they stated they would help. I paid them {$1300.00}. Once that was done they collected pertinent documentation needed by PNC. After the Law Firm spoke to PNC they stated they would be willing to do a Mortgage Modification with a payment Trial period. The law firm then stated they will withdraw from the communication and let me deal with the bank. The bank agreed to let me make trial payments but all the while asking for continuous and duplication of paperwork that was already given. In the meantime the law firm had closed their file and sent it to PNC. I made the first trial payment for XXXX/XXXX/16, by walking it into their branch on XXXX/XXXX/16, which is attached. After following up with the Loss Mitigation department, they stated that my agreement was null and void because they had received financial information from the Law Firm. No where in the agreement does it state that this would happen. All the while foreclosure processing was going forward but the agreement stated if I made the payments ... ... No Foreclsoure Action would happen ... ..I received notification that the Lis Pendens was filed on XXXX/XXXX/16 and papers were served to us on XXXX/XXXX/16. In the meantime our payment that was made for the XXXX XXXX, 2016 payment was refunded via mail. I called PNC Loss Mitigation and they said the previous agreement was null and void and they would have to start a new process to see if we qualify for a modification. After several months of sending information and confusing instructions by several individuals I am writing to you. Please help me save my home! This ca n't be the way Banks can conduct business! Consumers are held to a higher level than banks? All I want to do is pay them what I owe them and continue on. I filed a 45 day extension and now I get served that I have to go to court. Will the court side with the banks? I talked to another attorney and they said a term called " Dual Tracking '', I looked it up and showed that this is way for the banks to prolong the process while the attorney puts your home in Foreclosre.
We have a mortgage with TD Bank that has auto pay so we do not miss any payment. The auto pay is also thru TD. This XXXX, TD Bank apparently raised our Escrow {$50.00} without any notification although neither our taxes Or insurance went up. The XXXX payment was short {$50.00} and TD immediately reported us as late Payment. As soon as I was aware I paid the {$50.00} event though I did not agree. Our Perfect credit score dropped 100 points. We tried to work with TD Bank and their Collections were very nasty and refused to remove the reported late payment stating TD does not make mistakes. We had many mistakes made during our loan process including money removed from our account we did not authorize but we always forgave them
I have contacted the collection agency and asked them to provide me with contract with my signature to verify that this is my debt to pay. The collection agency has not provided proof of this being my debt to pay. I also have disputed it through the three credit bureaus. 

I am unsure what else to do except seek further help in getting these matters resolved. Below is the name of the collection agency I have contacted and asked them to provide me with the above mentioned proof. 

4. TSC A/R Solutions/ Original Creditor : XXXX XXXX XXXX $ XXXX/ First time contacting this agency was XX/XX/XXXX. Sent me a print out provided me no signature for this debt. I also contacted the HIPPA office on XX/XX/XXXX. Received no reply. 

The latest letter I sent was on XX/XX/XXXX.
In XXXX XXXXXXXX advised I had XXXX open accounts, XXXX accounts that ECMC claims they represent XXXX on XXXX represented by XXXX. Ecmc garnished wage w/out notification, said they mailed letter but had no proof, told me I was not eligible to contest garnishment at all, later found out I could contest but it would not have stopped the garnishment at that point. ECMC sent a breakdown of my XXXX loans to me. Shortly after contacting ombudsman and getting response in writing regarding ECMC 's XXXX debts, I received another letter from ECMC of my XXXX loans and this additional loan was now on my credit report and XXXX. How did this extra debt get added 5-6 years after I left school?
Weinberg Mediation Group began calling me several weeks ago regarding a XXXX  XXXX   card debt. Twice I answered the phone and talked to a representative, I told them I was going to contact XXXX  XXXX to validate that the debt. The first time the lady was very polite and said that was fine. 

The second time I spoke with a gentleman who was beyond rude. He told me that there was already a garnishment of my wages pending. I asked him how that was if I hadn't been sued and a judgement entered. He told me there was already a judgement against me. This was false information. I then told him the same thing. That I was going to talk to XXXX  XXXX to verify information and would contact their office back. I also requested that they validate that they own the debt. The guy told me that they could not mail me anything. He told me to call total and that " eventually '' I would get routed back to Weinberg Mediation. 

Not even 1 week later Weinberg Mediation called my parents house ( who live 100+ miles from me ) and left the following message on their home phone voice mail " This is a final courtesy call from the Weinberg Mediation Group before  reporting that you've been uncooperative in the investigation against you. If we do not hear from either yourself or your legal representation today we will be left with no recourse other than to report your non-compliance in this issue to the proper jurisdiction. Our office number is XXXX. Again that's XXXX. Thank you. Good Day. '' My mother called the number back and they gave her details on my debt even though she never identified herself as my mother. She told them I didn't live there and they have the wrong address. They told her it was about a debt and that I needed to call them back. 

They have my home address and my home phone number. They KNOW how to get a hold of me, I've answered my phone when they call, outside of the times I'm at work. 

I believe they should be held accountable for continuing to call outside parties when they have my contact information and were just in touch with me a few days prior.
XXXX XXXX XXXX XXXX under the creditor XXXX XXXX has been contacting people that I am not associated with anymore and leaving messages that I will be sued. I contacted XXXX  directly in XX/XX/XXXX and let them know of my circumstances and repeatedly told them not to contact the phone numbers they had listed. I NEVER authorized them to contact my ex-husband, ex-mother in law or step mom. 

They call over 5 times in a day and my ex husband is also getting messages saying that if we do not contact them with a lawyer that they will have no choice but to sue.
On XX/XX/XXXX I noticed from an online inquiry {$2400.00} being taken from my joint checking account without my or my wife 's authorization. I called the involved bank 's hot line and told them to stop the transaction as it was still pending. The bank representative on the phone said they could not do that and I would have to wait 24 hours to see if it became posted. Next morning I checked and it was posted to our account, causing an overdraft. I called the bank again and was told the account would have to be closed and I should either call a different number to open a new account or visit my branch. My wife and I immediately went to the branch and expressed our frustration at being unable to stop this illegal transaction and our concern about losing such a large sum of money. Also, we wanted to know who had done this, how did it happen and what will be done about it. The bank was very compassionate. They helped us open a new account, transferred the existing balance from the old account into the new one and put {$2400.00} into our new account pending an investigation into this matter which they called a " dispute '' and which required me to formally submit in writing. We were pleased with the cooperation of the branch ( which took over two hours to complete ) but still concerned as to why this was allowed to happen in the first place after calling and warning them it was an illegal and unauthorized transaction. Further, I was told that the results of the dispute process likely will not be revealed to me in any detail, only the result. I was and remain very concerned with this dispute process. I want a detailed explanation how this happened, why I could not stop it once I noticed it was in process and notified the bank, and what I should do in the future to prevent it from happening again. And I want assurances in writing that my private account information is safe with this bank. On a broader note, I would appreciate knowing if other customers of this bank ( and possible all banks ) may also be vulnerable to the same situation as me and whether notices or other warnings should be provided to banking customers to beware of illegal activity in checking accounts. I have been the subject of illegal activity in credit cards but never in a personal checking account, hence my concern.
The company I am filing a complaint against is Coinbase. In XXXX XXXX, I was traveling to XXXX for vacation, and when I tried to log into my coinbase account, it was immediately closed due to suspicion that I may live in XXXX. After multiple attempts to contact support, there has been no response at all, and my account is frozen along with XXXX dollar in XXXX.
I made transaction on my Rushcard that resulted in lost funds and interactions with very rude customer service agents and a rude dispute department. I made several transactions that are not showing up in my account. They are telling me that these transactions were never made against my account - Pending XXXX XXXX XXXX - {$67.00} Transaction ID : XXXX Pending XXXX XXXX XXXX - {$67.00} Transaction ID : XXXX My bank statement does not show these transactions but they were made to the company identified in the information about the transactions. 
I want to have a repair of my bank statement done and find out why my debit card was altered to no show these transaction and why my account is in the negative. 
I was allowed to make transactions on my account when it clearly showed that the account was in good standings. However, later changes where made that made the account go in negative standings. I also had problems with my transaction with XXXX on XXXX XXXX, 2015.
I was charged an annual fee on this card on XX/XX/18 in the amount of {$190.00} for a XXXX Platinum card. 

I found out about this and down graded the card to a no fee card. In the past the credit card companies have refunded the annual fee en toto and downgraded the card within 2-3 days There were no charges or benefits of the platinum card during the two day interval. 

I have been informed by Amex that they will hold the refund for 45 days, and then only remit a pro-rated amount, i.e. $ XXXX/365 days * 45 days. This is the case even though there are no other parties or disputes to resolve, so a refund could still be given in 48 hours. Also they are charging for the benefits of platinum, that I as a customer can not avail myself of. 

In addition, they claim since they say they read a disclaimer that they have a right to break from customary dealings and hold the float and XXXX out a prorated fee on a card I can't utilize. 

I think this runs afoul of consumer protections. The only support at Amex were offshore agents who have little familiarity, and stressed the disclaimer. 

Please spread the word about this nefarious practice
On   XXXX   XXXX   XXXX     I telephoned  M & T B ank and requested that an ACH stop payment order be placed on any transactions from   XXXX    (   XXXX   ).  A week later I received a letter from  M & T  Bank notifying me that on   XXXX   XXXX   XXXX    , a stop payment order was issued by  M & T B ank for and ACH from  XXXX  (  XXXX   )  On   XXXX   XXXX   XXXX    , I checked my online web banking bank account register and noticed an ACH debit from  XXXX  for the amount of {$1100.00}.     I immediately telephoned   XXXX   XXXX   XXXX   XXXX   customer service and informed the person who answered my telephone call that  Crossroads Financial  had debited {$110000.00} from my checking account on   XXXX   XXXX   XXXX     and that I had an ACH stop payment order in effect since   XXXX   XXXX   XXXX     for  XXXX  ACH.     The customer service person whom I was speaking to then asked me to hold a few minutes while she could investigate my problem. A few minutes later, the  M & T Bank  customer service person came back on line and informed me that : '' a stop  ACH o rder goes into affec t 24 hours afte r the amount is debited from my bank account. '' Really?? That is a bunch of garbage, I have a stop ACH order against a company called  XXXX  and since that order went into affect on  X/X/2017   , no money from  XXXX  has ever been debited from my checking account.     This is just another example of the utterly inconceivable computer programming mess existing  at M & T Bank. The M & T Bank co mputer banking software is hopeless stuck  in the 1980s instead of being written for the 21st century. It is also a perfect example of M & T Bank customer service representatives  not knowing what they are talking about.
Navient did not properly credit my prepayment of student loan payments, even though I clearly marked my intention for my payments through the web payments system or by separate letter enclosed with my check. It took many hours of follow up by phone with their customer service to correct. Ultimately I refinanced my loan with a different provider, in part because I could not trust Navient to handle my payments correctly.
I have disputed several times and no results on a judgement that is listed on my report. They have constantly got back with after the allotted time of 30 days, with unverifiable information. I called the creditor and they said they took care of things on their part and the court said the Agency should delete due to there was no executed judgement.I dealt with the company.On my last inquiry they should have already deleted due to no responce in the several request.
I have been trying to work on my credit report every since my identity was stolen. I have some child support and auto loan that I am not responsible for. 

I've reached out to the credit bureaus but I've not been able to reach any outcome.
Financial institution offered {$300.00} bonus for new account being opened and meeting condition of 3 consecutive months of {$1500.00} being direct deposited to account. Conditions were met in XX/XX/2018 and payout of bonus is said to occur within 45 days. Bonus has not been paid.
Midwest Recovery Systems, LLC reported to the credit bureaus that I had an account placed in collections. According to XXXX data the company placed the account into collections on XXXX XXXX, 2016 and reported an unpaid balance of {$480.00}. Midwest Recovery Systems, LLC indicated that the Date of 1st Delinquency XXXX. I was never notified in write about the attempts to collect a debt nor any information sent to my address indicating what I had a debt with this company.
I have a mortgage with Bank of America. My husband passed awayso I asked for a loan modification. Bank of America asked me to not paythe mortgage while they are processing the modification. I did everythingthey instructed me to do. Before that I was not late on my mortgage. 
I was waiting on my modification, they were behind my back trying toforeclose on my home. This bank has done so much wrong to me. 
They just kept giving me the run around. They asked me to send thesame papers over and over again. They always stated that they did notreceive it. Then they denied me a modification several times. Pleasehelp me.
My sophomore year of XXXX, I received a private loan from Navient then known as XXXX. The loan was for XXXX. It is now worth over 43,000. When the recession occurred I was unable to go back to school. I was out of school for almost two and a half years. The second year I was out of school I received a call detailing my delinquency. I was young and naive but I grew up that moment. I had no clue that XXXX had been trying to collect payments. They never called and sent one mail that I received before they sent me to collections. I called and they agreed to put me on forebarence because I was ineligible for income-driven repayment though I was making minimum wage in XXXX which was XXXX. I began paying them monthly around 250.00, with escalating cost each month and no decreasing balance. In XXXX I received an email from my school offering an opportunity to go back to school. I immediately accepted and returned in XXXX XXXX making a payment for XXXX because XXXX said I was n't eligible to receive deferment for XXXX. I graduated on XX/XX/XXXX.I started a job in XXXX XXXX and began repaying them before I was accepted into a XXXX program at XXXX university XXXX I then entered in school deferment because I was n't working full time with the company that provided enough income to substain the payments but I was working two jobs. In XXXX XXXX I was accepted into the XXXX school of XXXX, of which I still attend. I have no income except for my federal refund that goes toward living expenses such as rent and food. I was contacted by Navient and told I would have to pay them. They offered no resolution saying that I have no other options and that they would send me to collections again. I am currently being educated for a field in which repaying them would be a foregone conclusion yet I 'm restricted because of inadequate private loan laws and unreasonable contracts companies like Navient offer low-income students because we have no other source of income.
PER THE SAVINGS ACCOUNT XXXX WITHDRAWALS FUNDS LIMIT OF XXXX WITHDRAWALS FROM SAVINGS ACCOUNT PER THAT PERIOD OF ENDING BANK ACCOUNT STATEMENT. 
PER FROM XXXX XXXX, 2016 thru XXXX XXXX, 2016. I DID HAVE XXXX WITHDRAWALS FROM MY SAVINGS ACCOUNT. BUT THE BANK FEE FOR THIS SHOULD BE ONLY {$3.00} AS A {$3.00} FEE CAN BE CHARGED FOR THE NUMBER OF SAVINGS ACCOUNT WITHDRAWALS OVER THE BANK LIMITED OF XXXX PER BANKING STATEMENT PERIOD. 
ADDITIONALLY, THE BANK SENT AN EMAIL THAT THEY WILL CHARGE A FEE OF {$10.00} PER OVER THE XXXX LIMIT OF SAVINGS ACCOUNT WITHDRAWALS, ( IMPROPER BANKING FEES PRACTICES ) THANK YOU.
I was recently denied for the HAMP program and according to my income the payments are not affordable. the denial letter did not give me that reason. i can not afford my payments at the present time although i keep trying and wind up paying late. my value of my home keeps dropping drastically.
These people continue to damage my credit that Im trying to rebuild and continue to call and make harassing threats
On XX/XX/XXXX, I submitted {$60000.00} dollars to XXXX XXXX from my XXXX  XXXX XXXX checking account. Like many others, my account was frozen without warning for 60 days when I tried to withdraw money back to the same XXXX   XXXX XXXX account on XX/XX/XXXX. I called and was told that I needed to show proof of ownership of the checkings account and this was done for security purposes. 

This makes little sense, since I already transferred money in from the same account, so I researched complaints on this bank and was astounded to find the link below, covering many custoemrs complaints of funds being frozen 60+ days, after speaking to countless supervisors and promised certain dates, only to still not be able to withdraw funds. 

I've emailed and called XXXX XXXX, and have heard nothing but that a supervisor would call me back. My money is frozen in this account XXXX XXXX XXXX
Voss and Klein LLC has put a balance of {$550.00} on all XXXX credit bureaus that I do not owe as I am a victim of identity theft.