WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, XXXX Citizens Bank received my money via an ACH debit transaction from XXXX XXXX Bank. Citizens Bank did not disclose to me that they received my money, There are no electronic transactions, emails nor phone calls from them to me at all to show that the money even exists, even to this date ( XXXX ) I then called XXXX XXXX to confirm that the transaction did in fact take placeXXXX XXXX gave me a trace number and the date of the transfer. and also told me that the transaction was in fact accepted and not rejected. I then called Citizens bank again on XXXX XXXX, XXXX, and several other times i was told : 1 ) on ( 3 ) different calls that there was a paper check issued for the balance after the debt to citizens was resolved and i should recieve it in 2 to 3 business days 2 ) on 2 different calls i was told there was an electronic transfer that was going to take place with in 2 to 5 days and it has now be 7 the last call ( XXXX XXXX, XXXX ) made to Citizens bank complaint department regarding the entire situation from start to finish only to be rudely dismissed as though my complaint and money do not matter. Citizens Bank has still not given me my funds, as a result of this ridiculous hold, i have now lost my vehicle in XXXX. Had my Car insurance cancelled for non payment. My Credit card which was opened to build credit is now late for the 1st time in 18 months of perfect payment history. and my landlord because i was unable to pay money promised to him for back rent owed is now threatening to evict me. Citizens Bank is aware of all of these details and promised to expedite the process and has not given me my money.
Sam 's Club is charging me for a bed I did not receive, it was ordered and cancelled before the order was shipped. They will not remove the charge.
I conducted a balance transfer from a Capital One credit card to a XXXX Bank credit card. XXXX Bank transferred the full balance of {$600.00}, but Capital One only credited me with {$500.00}. XXXX Bank sent me an image of the check which is clearly in the amount of {$600.00}. The check was endorsed and deposited by Capital One on XXXX XXXX, 2015. Capital One continues withdraw my minimum payment, and refuses to fix the issue. I spoke to representative tonight ( XXXX XXXX, 2015 ) who stated that Capital One would begin a " Payment Investigation. '' He further explained that this would take XXXX business days, and then their " findings '' would be sent to me in the mail XXXX hours later. I could live with this, but then he stated that the disputed amount would appear within XXXX billings cycles ( i.e. XXXX days ). The representative refused to indicate how they would correct the issue of collecting XXXX months of payments after they deposited a check that paid off the entire balance. During a previous call I was told that the {$100.00} would be " applied to my account '' ( if I could provide proof that XXXX Bank paid them the amount I was claiming ). I tried several times to explain that the card was paid off and I did not understand how the {$100.00} being " applied to my account '' would resolve the issue. I did not receive anything remotely resembling a response, except that " this is Capital One 's policy. '' As I stated, I have an image of the check itself, as well as an image of the back of the check where Capital One has endorsed and deposited the Check. This is clearly consumer fraud as the check is clearly made out for {$600.00}. Unfortunately, the image quality of the duplicate is not the greatest, but there is no disputing the amount written on the check ( numerically and in expanded notation ). I refuse to continue to make payments on this account because it has been paid in full. There is no excuse for Capital One 's behavior in this matter, and I would like CFPB to provide some advocacy, and I wish to press any relevant legal charges against Capital One because this is clearly an intentional fraud, and this is further demonstrated by Capital One 's refusal to explain how they will refund payments made once their XXXX month process is completed.
I am receiving collection calls from a third party, usually they hang up when I answer. However when I call back I am on hold for a long period of time. When the rep answers they do not identify themselves instead the rep answers the phone saying can I help you? After they go through their authentication script I find out its in reference to a loan I took out in 2008, for more than double of the amount, which was discharged in my Chapter XXXX Bankruptcy. The rep then tells me that they will make a note that I am refusing to pay and to call back with my Bankruptcy reference number. In the past I have asked for written proof of the debt and I have even asked then to cease and desist from contacting me. To date I am still receiving hang up calls.
I signed up for a " Free '' credit reporting trial with XXXX  months ago. When I signed up, it said just call to cancel. I have tried to call every month to cancel and have been unsuccessful. Experian has you on hold and never picks up. Today, after being on hold for 14 minutes, someone picked up then transferred me to another line where I sat on hold for another 15 minutes. Someone finally picked up after I had been on hold for 28 minutes and I was able to cancel the membership. Experian allows you to update your payment info online but wo n't allow you to cancel the service online. They provide you with a phone number to call but then never pick up. Meanwhile, your credit card is being charged every month. These practices are unfair to consumers.
I had a loan from XXXX Student Loans which I was making monthly payments via direct deposit. I received notification that my loan would be serviced by American Education Services starting in XXXX XXXX. American Education Services would continue to withdraw money via direct deposit until XXXX XXXX, when I would have to set up a direct deposit with AES directly. AES continued to withdrawal money from my account until XXXX XXXX, without any noticed or notification they stopped withdrawing money from my account. They also stopped contacting me by mail. I received no communication from AES via mail that they stopped withdrawing money from my account or that I was past due. On XXXX XXXX XXXX, I was notified that I was in default and referred to a collection agency. They will give me no explanation as to why they stopped withdrawing money despite their promises to do so until XXXX XXXX. I was making monthly payments on time, and then they stopped their commitment and am holding me at fault. I feel that this has been a predatory action, and I do not agree that I was at fault here.
Most of the questions asked were not about my problem! 
My credit numbers dropped significantly because of this problem. 
First off I have two business accounts at WELLS FARGO. 
I applied for a credit card from WELLS FARGO approximately XX/XX/2019. I received a negative response from WELLS FARGO ( approx. XX/XX/XXXX ) stating that I was turned down because ... ... I WAS DECEASED???? How ignorant when I have two accounts with them. 
Please help as it has effected my credit very much
I have been the victim of wire theft involving Wells Fargo. 

On XX/XX/2018, I wired {$220000.00} to a Wells Fargo account - I believe in XXXX XXXX - ABA XXXX, Account number XXXX. 

I was in the process of buying a home in XXXX, PA. I was paying cash rather than taking out a mortgage. I am a XXXX-year old retiree with no current income and was using my savings to buy a new home. I was instructed to move the above amount by a wire fraudster using the name and email format of my Title Insurance Company with whom I had been corresponding on a regular basis. 

I discovered the theft within 3 days and notified my bank XXXX in New York who then contacted Wells. 

XXXX received 2 sets of repayment from Wells Fargo on my behalf - {$34000.00} and {$22000.00}. These were credited to my account on XX/XX/2018. 

A remaining {$160000.00} has yet to be returned to me and I have received no information on how the amount returned was calculated and where the rest of my money is.
I am listed as a potential victim according to XXXX. Experian mishandled my information which put me and millions of other people at risk. The requirement of a police report is absurd if they know I have been affected. In addition, they did not notify victims quickly, nor did they notify everyone.
On XXXX XXXX I sent a dispute letter to Penn Credit Corp in regards to innacurate information they were reporting on my credit report and demanded the four accounts be removed if they are unable to verify these accounts. 609 ( a ) ( 1 ) ( A ) the original creditor XXXX XXXX XXXX, and the collection agency Penn Credit Corp are required by federal law to verify through the physical verification of the original signed consumer contract. Under this section unverified accounts must be removed and neither party has provided me this physical proof, but still has ability and or authority to report these accounts. I will be filing a police report with the local police department regarding the fraudulent accounts being reported. I have also spoken with a customer service rep from XXXX XXXX XXXX the original creditor, on XX/XX/XXXX, I explained to the agent that these accounts were not setup by me and your reporting is inaccurate and fraudulent ultimately the representative was happy to file a fraud case on behalf of these two accounts and the representative explained anyone can call to setup a service account all a fraudster would need is a name and a social security number she informed me that I would also need to file a police report ( which costs money ) so I will be filing four of them tomorrow. The collection agency Penn Credit Corp is also being sued by me at this time for violating debt collecting laws. They have sent me threatening letters on two occasions afterwards I sent these letters to my attorney whom filed judgement under these unprofessional violations. I have written them back disputing the validation of this debt they just continue to send copies of bills and because through some system consumers are not suppose to know about, these collection agencies can certify validation through some miscellaneous means and the Credit Bureaus are just as corrupt.
On my correspondence to this company dated XX/XX/2018. I disputed several accounts that has been reported incorrectly and inaccurately. I clearly listed in my letter what the accounts are and what incorrect and missing information there are per account. It is now XXXX and till now have not receive any concrete evidence that an investigation was conducted, nor documents used in their investigation. At this point the disputed information are in verified/invalidated and this misconduct is definitely a violation of FCRA. The accounts that I disputed are the following : 1. XXXX XXXX XXXX XXXX Ref # XXXX, 2. XXXX XXXX XXXX XXXX Ref # XXXX XXXX. XXXX XXXX XXXX XXXX Ref # XXXX 4. XXXX XXXX / XXXX XXXX ref # XXXX.
Dear Sir or Madam : In each of the next reported items, I have uploaded and provided to Experian documents which substantiate my dispute ( s ) and I have asked for " potentially negative '' items to be removed or corrected. They have not been. I have asked for incorrect addresses and names to be removed and they have not. I have asked them to remove or correct the US Bankruptcy data which is incorrect and they have not. My list goes on and on and I am tired of battling with Experian. I ca n't call and talk to them with the number they provide because it is automated and request a person to log on to their web site. I live in XXXX, TX and I drove to their extremely large call center to speak with a real person and the security guard said that I would have to take a business card on the wall next to the intercom speaker and call them- it is the same number and I can not speak with a real person. I want this resolved and I want my credit cleared up. Experian 's negative and inaccurate reporting is costing me XXXX of dollars in paying high interest on loans, sky rocketing insurance rates and a list of other items due to their inaccuracy. Furthermore, I tried to open a savings account for my oldest child at a local credit union and they have a security freeze on my account which prevented me being able to open an account. There is a fraud alert due to a fraudulent tax return having been filed in my name, but it is not a security freeze and even when I attempted to " lift the freeze '' Experian shows no freeze ; however the credit union provided me with the documents.
I initiated a dispute with Equifax. I filed a complaint with CFPB regarding Equifax not following policies and they refused to respond with the following statement : Please be advised that Equifax will not respond to this complaint via the portal as we suspect that it may have been submitted using a credit repair company. The format and verbiage of this complaint is similar to many other complaints that we have received from consumers utilizing the services of a credit repair company or 'credit clinic '. To ensure the privacy of our response, we will send the results of our reinvestigation to the consumer 's current address utilizing our normal dispute process. However, I am not using a credit repair company. I have been dealing with Equifax for years alone. Previously XXXX account for XXXX XXXX was deleted from my credit file last month and then re added. There are XXXX listings on my credit report for XXXX XXXX. Neither of them should be there. Equifax sent me a letter stating their process which clearly has not been followed and I know the process. The XXXX listings are still on my credit report and need to be removed.
I called FedLoan servicing on XXXX XXXX, 2016 requesting documentation to show exactly how much I owed on my student loans because my original creditor refused to proved me with original documentation regarding my loans. My mother and I signed the PARENT PLUS XXXX contract and filled it out in the financial aid office at XXXX XXXX XXXX. I have yet to receive any original documentation regarding my loans. I called back today, XXXX XXXX, 2016, and they are saying it will yet another 7-10 business days before I receive any documentation.
For the past 4 years I have been dealing with collection accounts from XXXX in my credit report. XXXX XXXX XXXX Fail to investigate the accuracy and say there verified and continue to reinsert unverifiable data. 

Amounts are {$1500.00} {$710.00} {$1700.00} {$1100.00} {$1700.00} {$790.00} {$1400.00} {$1100.00} Disputed on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Accounts were removed numerous times and re inserted to credit profile.
On Thursday, XXXX XXXX, 2016, for unexplained and unnecessary reasons, an employee, XXXX, placed my online banking access on hold. I had just visited the branch on Saturday, XXXX XXXX, presented my ID, received a new debit card, made a cash deposit, and received starter checks. 
When I called into online banking on XXXX XXXX, I was told to go to a branch to prove my identity yet again, and I would regain my access. When I got there, the representatives were unsure why I did n't have access, but I was told I would receive a call later confirming my access was restored - I did not. I called into online banking again on XXXX XXXX, asked for manager and again was told I would receive a call back and did not. I went back to the branch XXXX XXXX and again the representatives were unsure why I did n't have access, again I was told I would receive a call later confirming my access was restored - and again I did not. When I called into online banking later that day, I was told, snottily, to be patient. It is now been an entire week since the access was revoked ( to a VIRTUAL account ), without reason, and apparently the only person in the entire bank who knows how to get the hold removed is XXXX, and no one is interested in helping to resolve the situation. I just opened this account three weeks, already hugely regretting it.
On XX/XX/XXXX we got a mobile notification that the balance on our checking account is low, but we were not using this account. Later we learned that someone in Massachusetts, came to a Bank of America branch ( we live in Florida ) and was able to withdraw money from our account, using a teller, not the ATM. Then the same day 2 fraudulent check were cashed in our name as well, the next day one more cashed check appeared on the account and the next day there was another check cashed from our Savings account at the same branch. We never received any security phone call or verification call from the bank making sure that transactions are done by us, they basically granted a thief full access to our accounts and let them walk out with the money. All the checks were in the same amount, made out to my husband 's name, from 2 different people. all of them had the same handwriting on them. We reported this immediately to the Bank of America fraud department, they opened a case. XX/XX/XXXX I also called that branch in Massachusetts and spoke with the manager requesting a video surveillance from the day of the incident, that might have shown us them some leads, they refused to provide it to me, saying this belongs to the bank of america and their fraud department will address it. since then we followed up with them 3 or 4 times, requesting a call back or email with updates on the case, but never received any updates. Every time we call, their customer service people are rude and not helpful and unable to provide us with any useful information. The money has not been returned to us as of XX/XX/XXXX, in fact, the latest conversation I had with Bank of America fraud department representative, they said they were unable to provide us with " temporary credit '' for the amount stolen, after I asked why was this called " temporary '' they suggested that if the case is not resolved in our favor we will have to pay them back the money. How can the case be Not resolved in our favor? Our understanding is clear and logical : we had our money in the bank, bank is responsible to keeping our money safe and secure, if someone steals the money from the bank, and we are affected, they should take complete responsibility, and do everything to accommodate us in this situation, show the best customer service and return us the money they failed to keep safe for us. Non of this has been done by Bank of America corporation, there has been zero attempts to reach out to us and fix the situation by the bank, even after I placed a verbal request to expedite the process of investigation. I hope doing it through CFPB will bring more results and help resolve this disappointing experience with the Bank of America.
On XX/XX/2018 I Despoit XXXX Into Chase Bank.

On XX/XX/2018.

Chase Decided To Close My Account.

And Didn't Write Me A Check.

They are still holding my money.
On XX/XX/ check number XXXX in the amount of {$240.00} was presented and NOT paid by Bank of America. On XX/XX/2018 a fee for {$35.00} was charged. 

On XX/XX/ the check was returned to the business. 

On XX/XX/ the check was presented and processed electronically. 

On XX/XX/, THREE FEES in the amounts of {$30.00}, {$35.00} and {$35.00} totaling {$100.00} were charged. 

On XX/XX/ the check was again returned. 

On XX/XX/ a fee in the amount of {$30.00} was charged. 

FIVE FEES totaling {$160.00} were charged for ONE CHECK-which was never paid by Bank of America.
I have XXXX claims open against Ocwen Loan Servicing , LLC that need to remain open XXXX, XXXX, and XXXX. On XXXX XXXX, XXXX I submitted a request for Appeal on my loan modification.offered on XXXX XXXX, XXXX. Since that time Ocwen has only answered some of my questions and has not since answered my appeal and provided me with a NEW loan modification. The questions that remain unanswered are as follows : XXXX XXXX, XXXX Ocwen Loan Servicing , LLC Attn : Home Retention Department XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Fax : XXXX Email : XXXXXXXXXXXX In the Matter of : XXXX XXXX XXXX Account Number # XXXX APPEAL to Loan Modification offer XXXX/XXXX/XXXX 2. Your " OFFER '' is clearly beyond my means. 
3. There is NO WAY I can afford this payment. 
4. I SIMPLY do not receive enough income to manage my monthly FIXED expenses, OBLIGATIONS on top of the " PROJECTED PAYMENT '' Please explain : Please be aware that you have kept denying me a reasonable modification over the past 8 years based on the following. 

7. This is a XXXX loan and is ILLEGAL and TOXIC ( XXXX ) MIN : XXXX, Note Date : XXXX/XXXX/XXXX, Servicer : XXXX XXXX XXXX XXXX XXXX, Phone : ( XXXX ) XXXX " XXXX Court Rules XXXX Business Model is illegal '' ( XXXX ). 
( Documents attached ) 8. The US Government bailed out the BANKS and the SERVICERS where to notify the mortgage holders ; I received NO SUCH NOTIFICATION. 
9. I have read that CFPB filed a case and charges against OCWEN Loan Servicing for faulty practices. But you continue to do what you still do. 

Please use my correct financials moving forward. I would like to be issued a revised offer based on my TRUE and CORRECT, INCOME and EXPENSES and the ABOVE XXXX BULLET POINTS. 

As of today I am still waiting for a response back from Ocwen tp # XXXX. I also disputed this claim on case # XXXX which was not acknowledged by CFPB and uncertain whether that dispute was sent to Ocwen. THIS HAS BEEN GOING ON FOR 8 YEARS AND ENOUGH IS ENOUGH. OCWEN AND THE CFPB NEEDS TO GET THEIR ACT TOGETHER AND RESOLVE THIS ISSUE. 

I HAVE TRIED NUMEROUS TIMES TO GET AN UPDATE BUT MY CALLS ARE DIRECTED TO XXXX. I REFUSE TO SPEAK TO A PERSON IN INDIE FIRST OFF. THIS IS A USA ACCOUNT, I AM A USA CITIZEN AND I WAS BORN IN THE USA. ALSO OCWEN OPERATORS # XXXX XXXX AND OPERATOR # XXXX XXXX WERE RUDE AND DENIED TRANSFERRING MY CALL TO THE UNITED STATES. HORRIBLE CUSTOMER SERVICE.
Please forgive me if I mix up servicer and owner of my loans. Its not always clear what is actually going on and I think that is the point of it. 

On XX/XX/XXXX I was accepted a loan modification offered by loan science on my private student loan consolidation serviced by ACS education. There was a principle reduction and an interest rate reduction to 0 % in the loan modification. The principle reduction was honored which was great, however there has been no movement of the interest rate. 

I first reported this to the CFPB on XX/XX/XXXX that the interest rate had not been changed. The complaint number for the original complaint was XXXX. On XX/XX/XXXX loan science replied that the suggested changes ( interest rate 0 % ) had been made to my account. I waited several weeks to see the changes and they never happened. On XX/XX/XXXX I  provided feedback that the interest rate had not been changed. However, my complaint was still closed. 

What actually happened is that XXXX XXXX sold my loan to XXXX after my complaint without changing the interest rate. That sounds like a crime to me. 

Today I learned that my loan will be switching servicers to XXXX XXXX on XX/XX/XXXX. It was also noted in this document that XXXX will " create a new account number '' for my loan. I assume this is some sort of move to try to distance my loan from my loan modification documentation to further avoid honoring it. Its time to get this sorted out and to quit playing musical chairs with my loan to avoid the loan modification that was offered and accepted. 

The current lender listed on the XXXX website is XXXX XXXX XXXX XXXX and the gaurantor is XXXX XXXX XXXX. This information itself is out of date and probably illegally so since this information has been wrong for over a year. 

I believe that ACS, XXXX, XXXX XXXX, XXXX XXXX XXXXs and XXXX should be contacted and the responsible party should then act.