WillisBack/dataset-financial-user-claim huggingface dataset:
I XXXX XXXX applied for a loan modification with Bank of America, for years they denied me a modification then this year they said if I make trial payments they will give me a modification. I made XXXX trial payments and then they send me a loan modification agreement. And I cant accept it because they want an outrages amount of money that I do n't have. They did n't forgive me the past dew amount. I know there are government programs that exist for these situations that are supposed to help the consumer like my self. But I do n't see those programs working. Please help me with this.
IM EXPERIENCING THE FOLLOWING ISSUES ; ; ; - LACK OF ONLINE & MOBILE SERVICE ACCESS - LACK OF STATEMENTS - REJECTED CHECKS ( WITH FUNDS IN ACCOUNT ) -LACK DEBIT CARD - LACK OF CREDIT CARD - LACK OF CORRESPONDANCE ( APO/ BARCODE LOCATION ) - LACK OF RESPECT & HONORABILITY DURING TRANSACTIONS OF COMMUNICATIONS
At XXXX XXXX XXXX XXXX, 2016 I sent a moneygram to someone in Florida for {$1300.00}. 
My contract says it would be delivered in 10 minutes. I specifically asked the Wal Mart worker if it would arrive in this amount of time due to the fact that it was to be used in a deadline situation. When the receiver tried to get the money he was first told that he could not use the identification he offered : his drivers liscence, a bank debit card in his name and a credit card in his name. They insisted that he use a social security card which he did not carry with him. He disputed their right to ask for his social security card and was told that MoneyGram required it, showing the statement to him on their rules for picking up the money. 
He called me, the worker refused to talk to me. He gave me a telephone number they supplied so that I could see what the problem was. I called the number and was put on hold for 25 min. I only managed to talk to someone by calling back and insisting that they help me. After he repeated his name several times I could not understand what he was saying due to a non-English accent. I told him what my problem was and he said I had to give him information to insure him that I was who I said. He proceeded to ask the following questions : my reference number ; my address ( was on the form for the transfer ) ; a major highway near where I live ; the name of the receiver ( which was on the transfer form ) ; his age ; his relationship to me ; what the money was to be used for ; what he did for a living ; what town he was picking the money up in ( the contract said he could get it anywhere in the state that served MoneyGram ; questioned my telephone number. This money had to be received and deposited in the receivers bank by a XXXX deadline, which I explained to him. By the time it was finally released for pick-up it was within minutes of XXXX, so he did n't get it in time to get to the bank by their deadline. As a result the bank is telling him his account is closed and can not be reopened due to overdraft in which he had the XXXX deadline that he did n't make on time.The money should have been there and been picked up by no later that XXXX XXXX.
Equifax Credit XXXX is reporting XXXX dismissed judgements on my credit report. I have disputed XXXX judgements and Equifax is responding to my disputes with the same response, " The judgement has been verified as correct and is being reported correctly. '' The Creditor/Lender agreed that once the judgement had been satisfied ; the satisfied debt would be removed. Equifax will not remove this from my credit report even though these judgements are not showing on my XXXX credit report.
On XX/XX/2018 a transfer was made into an account by mistake. Chase is not responding to request to return funds.

The amount deposited incorrectly into a Chase account was {$500.00}.

I contacted and subsequently filed a complaint with my Bank ( XXXX XXXX ) who informed me that Chase would not grant permission to retrieve incorrecty deposited funds.
Was requested by the State of Wyoming complaint number XXXX Important documents were mentioned in my index of documents but were not included by consumerfinance.gov Please add these documents to the complaint. 
Thank You XXXX XXXX
I originally entered into a contract payment with a local car lot that later went out of business and sold the loan to a company whom I have documented evidence of receiving my full payment of XXXX $ for every scheduled payment to date. But I have received notice of a repossession of my car that I need to get to work if they do not receive an amount of XXXX $ I would like to ask what can be done in defense of the integrity of my career
On Tuesday XX/XX/2016, I was notified that my account had been closed due to counterfeit checks. Apparently, while I was at work, my purse and cell phone was stolen with all of my personal information. The perpetrators withdrew money from one of my accounts and at Bank of America, they deposited checks and tried to withdraw money, from my understanding. My account was frozen, so I left work to find out what was going on. After leaving Bank of America ( with not much understanding ) I went to the XXXX Police Department and filed a police report and called XXXX to notify them as well. I have done everything in my power to show them I was at work at this time and XXXX attempted to resolve this as well with no regards from Bank of America. I'm not sure what else to do here, I have resolved this with all of my credit card issuers and XXXX XXXX, where they withdrew money, but BofA has this listed as if I attempted to deposit and withdraw money. I tried to dispute with XXXX & XXXX but they sent me a copy of a statement stating BofA verified the account. I never said it wasn't my account, only that it was hacked. They do not have any documentation of me committing this crime, as I was at work, and have proof of this.
Somebody stole my credit card identity information and made XXXX purchases in a supermarket named XXXX for {$510.00} between XXXX and XXXX. There were other XXXX charges in other locations for {$400.00}. I have never been in any of these merchant locations, actually, I had to XXXX it because I did n't have any idea who it was when I read its name in the charge description. I disputed all charges when I received a text message from Bank of America on XXXX asking my approval for XXXX of those charges. Actually, I was sleeping at the moment I received the text message because I work during night shift. I swiftly replied " NO '', the credit card was immediately blocked, and I went to XXXX of the branches to report all these XXXX fraudulent charges, and requested a new credit card with a different account number. 
XXXX sent a receipt of XXXX of the XXXX charges ( {$220.00} ) to Bank of America that was signed electronically ( it does n't show my handwritten signature ), and the bank asked me a valid credit slip showing that the merchant intended to issue credit to my account. I explained the bank all the facts and impossibility of obtaining such receipt, the bank invalidated my dispute recharging me that amount. 
It draws my attention this merchant presented a receipt for {$220.00} charge only, and did n't rejected the other XXXX disputes ( {$250.00} and {$29.00} ). 
What is more disappointing is that Bank of America honors this kind of fraudulent actions despite I rejected this charge since the very beginning and make me waste my valuable time. Now, I have to go to the merchant place and if I can not get the credit from them, I have hire a lawyer to dispute this charge.
I have filed two letters with Experian to remove the incorrect information that is on my credit report. The information is regarding a bankruptcy that was filed in XX/XX/XXXX. According to documentation that I have received from the U.S Bankruptcy court in Minnesota dated XX/XX/XXXX, they DO NOT report any information to any of the three credit reporting agencies. My first attempt to clear this up with Experian was on XX/XX/XXXX and I received a letter in response stating that the information was valid. My second attempt was on XX/XX/XXXX, and I included their response as well stating that I needed to contact the reporting agency. The reporting agency again DOES NOT provide the information as stated above. I have now escalated this issue to your agency in hopes to get this cleared up. I have included all the documentation needed to clears this matter up. I look forward to your help in this matter. Thank you XXXX XXXX
I have informed Transunion that the XXXX account showing on my credit file do not belong to me. There may have been some mix up or Fraud Activity but this is not my account. I have contacted XXXX and they have not responded to me. So, I do not know how Transunion is getting this inaccurate information.
I recently sumitted an application to XXXX XXXX  located in XXXX, Florida, on XX/XX/XXXX. I was then informed that a background check performed revealed a eviction and judgement XXXX and was directed to their leasing desk to file a dispute. I disputed the eviction and judgement:1 length of time, 2.the eviction judgment acct. Was included in a previous bankruptcy chapter XXXX filed XX/XX/XXXX & discharged XX/XX/XXXX. I was also informed by the leasing consultant XXXX to provide proof of the order of discharge & would proceed with leasing.. All document where provided. I paid application fees and received a confirmation for the amount due {$690.00} to move in XX/XX/XXXX. When my family and I came into the office on XX/XX/XXXX to follow up with leasing. I was then told that they couldn't assist me at this time & I had to wait 30 days to receive a refund of {$250.00} from the application fee. I explained that the action to withheld the {$250.00} would cause more extreme hardship and that i needed it sooner to provide other adequate housing. Equifax denied providing the lease desk with the information. I've tried to follow up with a dispute to them. No success.
I am getting constant calls from Portfolio Recovery Services. I do not have any old debt. They never leave a message. I researched the numerous numbers they use to contact people and I do not answer the phone because it appears from the research that this company is not creditable. I just purchased a house, so I know my credit report is clean.
I 've had XXXX accounts with capital one since roughly XXXX. I had XXXX of the same product for a long time. Yesterday, XXXX XXXX XXXX I was chatting with a representative where I was informed I qualified to be upgraded to a venture card where I get XXXX miles for every dollar spent. I thought this was great and decided to close my other XXXX accounts and transfer the credit lines to my new venture card. Well it turns out that that the venture card is a subprime card where I only get XXXX miles for every dollar spent and my interest rate is 24.99 % variable. They gave me an offer for 7 months to lower rate to 20 % variable. Prior to combining the accounts I had XXXX XXXX XXXX accounts and XXXX of them had a 14.99 % rate variable however, since it was the lowest rate out of the XXXX they charged me a {$79.00} dollar annual fee which they refused to waive. Now I closed that account and moved the credit line due to missinformation and I was clearly missled here. I have a XXXX card with a super high interest rate, poor rewards and I no longer have the card with the 14.99 % interest rate. If I would have known the venture card does not earn XXXX miles for every dollar I would not have closed the other accounts and moved the lines over. I feel missled as a consumer specially since they were charging me an annual on XXXX card and not charging it on the other XXXX cards even though they were the exact same product. If you do it in XXXX card you should do it to all the same products and in my case they were the exact same cards. They just did not want to waive the annual fee because my interest was 14.99 %. I am extremely upset.
I recently relocated to XXXX XXXX XXXX for work. I had to exhaust my savings to move and get a new apartment etc. As a result, I fell behind on my payments from XXXX - XXXX. In the month of XXXX I tried to login to the online payment system for Wells Fargo Dealer Services and it kept giving me an error message and would not allow me to login. 

On XX/XX/XXXX I called Wells Fargo Dealer services because I still could n't login and wanted to take care of the issue. I was notified that they had initiated repossession on XX/XX/XXXX. I offered to pay the entire amount of past due payments and late fees and resume the loan, they declined. The rep on the phone said I could turn in the vehicle and owe the remaining $ XXXX balance or I could offer a settlement amount and pay {$1500.00} - $ XXXX/mo until the settlement balance was paid and then I would retain ownership of the vehicle. 

I asked several times to make the entirety of owed payments and late fees and was denied. The rep said that turning the vehicle in or settlement were my only options. A settlement was reluctantly offered of {$8500.00} with concerns of the aggressive {$1500.00} - $ XXXX/mo pay schedule. I was told that the settlement would be sent to a manager and I would receive notification of approval or a counter amount. I did not receive contact back. 

I am not sure why I can not pay the amount of owed payments and late fees and resume my loan. If a settlement is my only option I would like that to be decided soon or receive confirmation from the lender.
Notified by Capital One of restriction ( no purchase authority ) on our XXXX XXXX credit card account effective XXXX XXXX, XXXX with closing in 90 days, due to lack of activity over the last XXXX years. Letter received early XXXX, XXXX, with no prior notice of intent to close account. However, the current cards in our possession do not expire until XXXX, which we intended to use during this upcoming XXXX season. Call to Customer Care on XXXX/XXXX/XXXX was unsatisfactory wherein the first agent merely repeated what 's in the letter. No option to unrestrict or reopen account once closed. She suggested to my husband he could apply for another account if desired -- which makes no sense. Why apply for a new account if the existing one can be left open? Perhaps it is Capital One 's intent to close " no annual fee '' accounts or to push people to new accounts with new terms and maybe ones with fees? 

Because this is an old account ( 20 years? ) in our credit history, closing the account negatively affects our credit score because it takes a long established account out of the mix.. We are seniors and it is an account that has been used regularly in earlier years, but less so in recent years ; however it was our intent to use again this month for the upcoming holidays. Also spoke with a supervisor ( XXXX, XXXX ) after getting nowhere with the first agent. XXXX came on the line, indicating he had been briefed by the first agent. He repeated the same mantra -- there is no flexibility to keep from closing the account. I asked for rationale for closing an account that the customer wanted to keep, that was not in arrears, with an excellent payment history, and would use in the near future. He explained it as the right of the company to make a business decision to close out unused accounts. Even though we intend to use the account and did not wish it closed, he said they would still close it. It did n't matter what the customer wanted nor is there any other option to seek an exception to this rule. I thought he was a bit assertive and showed no empathy. With another credit card account with Capital One and bank accounts with CXXXX XXXX XXXX, I am shocked with this treatment of a long standing customer. 

I would not complain if there were official prior notice of inactivity that may result in account closure and consumers are given a reasonable time ( eg 60 days ) to demonstrate use or lack of use. Plus our current cards clearly state the expiration is XXXX. Why would I think the account would be unilaterally closed with no prior notice? Keep in mind, our account is not yet CLOSED. They have restricted the account such that no purchase activity can be made, and giving us 90 days to use the program benefit points associated with the card, but it will be closed in 90 days. To receive a letter after the fact with no options, is XXXX treatment of consumers.
I've called all 3 credit bureaus about these hard inquiries that appeared on my credit score. I've spoken with consumer service and they did not do anything. All year long I have been fighting these hard inquiries and recently notice more duplicate inquires and some that re-appeared from 4 years ago.

Transunion >XXXX >XXXX >XXXX >XXXX >XXXX  >XXXX   >XXXX >XXXX >XXXX >XXXX  >XXXX   >XXXX  >XXXX >XXXX  >XXXX  >XXXX >XXXX   >XXXX XXXX  >XXXX >XXXX  >XXXX >XXXX   >XXXX  >XXXX >XXXX >XXXX >XXXX >XXXX   >XXXX >XXXX >XXXX  >XXXX >XXXX   >XXXX >XXXX  >XXXX >XXXX  >XXXX >XXXX   >XXXX  >XXXX >XXXX
I submitted XXXX transfers to RIA Financial Services totaling {$3300.00} to my friend in XXXX, recipient of previous transfers from me. RIA Financial Services called to ask if I was XXXX. I refused to answer, because any acceptance or denial of service on their part based on my ethnicity or national origin would be per se discriminatory. RIA subsequently cancelled my my XXXX transfers, using as justification the fact that I was n't XXXX, and they only work with " family assistance. '' I am complaining that I was discriminated against due to my race, ethnicity and family origin.
According to this company, that I do n't know exactly what its real name is, my mother, XXXX XXXX, has n't paid a bill from the XXXX she had done last month on XXXX. My mom has already paid a bill from this procedure already. She has n't even received any other bill. This lady said her company has been sending this new bill to my mom 's but she has n't received it because the address they said they have on record was n't my mom 's. If this is not a scam, they should correct the address they have in the system, send a new paper bill and give my mom a reasonable monthly payment. My mom was stated that she has been previously contacted by other XXXX speaking representatives to collect this debt which amount is according to this lady, {$900.00}. My mom has n't received any call from them before. My mom was asked to pay this amount immediately by phone that day or they will report her to the Credit Report Agencies. My mom got really scared and called me. I have repeatedly called them and nobody answer my call, and I have left my name and number in voice messages. When you call the welcoming says " Nation Wide ''. What kind of medical institutions or debt collectors institution is this XXXX that attempt to collect a medical bill this way. My mom asked if she could pay this debt little by little and they told her that she had to pay that amount in full. I think this is a scam.
I received statement from XXXX XXXX XXXX for total balance {$3700.00} that I did not make purchase. I am living in XXXX, and the purchase was made at XXXX XXXX FL. As soon as I received statement, I called Saks to put on fraud alert. I was told the purchase was made via phone and it was under investigation, the representative told me someone will call me back, but 2 weeks passed by, nobody has called me yet.
I just speeded both of this with XXXX as well as TransUnion they're showing for folio management company that is still as I open collection amount with a XXXX balance I've requested them to remove it because it was paid in full and satisfied now they're telling me that the company responded back saying this company this is a correct amount and it will stay in your credit report if it's paid in full and no longer active it should no longer be reported on my credit to hurt my credit in order to obtain other items cuz it's showing as an open collection or if it shows other clothes collection is still needs to be removed from my collection credit report for both Transunion and Equifax
Not sure of exact date going off report received from XXXX reported XX/XX/2016 states I was reported for Suspected fraud activity in the amount of {$190.00} closure status UNPAID. I was residing in Georgia temporarily & i opened an account with Bank of America, upon traveling back an forth to New York, I lost or misplaced card & I did not give my pin # to anyone. I reported card lost/stolen & my account was closed after review by Bank of America. I was never informed i had any outstanding balances owed to Bank of America. I recently went to the bank with my mom to be added as a signer on her account an the branch manager informed me that I could not be added due to fraudulent activity reflecting on my social security number was entered.
I have NEVER EVER been late on my mortgage. I set up an automatic bill pay through my online banking and every two weeks they get a payment from me. I alway pay a little over and I am 2 weeks ahead. 

DiTech, the mortgage servicing company, misappropriated my payment a couple of months ago. I have called them on numerous occasions and each time they look into the record, they see what has happened, and tell me that they have to submit the issue to another department to rectify the problem ( place the payment in the appropriate account ). After a while, they begin to tell me how behind the department is and that is why the payment has not been correctly appropriated. However they still assure me that everything is alright. Then the following week I am getting emails and phone calls about the same issue. I am told the computer is automatically generating the calls and letters, but rest assured everything is okay. Finally I spoke with a Supervisor, who tells me that she sees the problem and that the previous advisors had not contacted the right person, she is going to contact the department head and I should not have any more problems. Now, I am concerned because they have started charging me late fees and my statements show I am thousands of dollars behind. 
The final straw was that I am now receiving letters from a collections agency, which greatly concerns me, because that means this is showing up on my stellar credit report. I am livid now, because we work hard to pay our bills on time, we work hard to keep good credit and to have this happen while they are getting my payments every two weeks is appalling. Can someone PLEEEAASE help me straighten out this mess! Please explain my rights or options.
I was part of the XXXX and received payment last month. 
I was told that the foreclosure should and would not be on my credit report. I learned that it was and disputed it with all XXXX credit monitoring servicers. 
I told the companies that i was involved in the Independent foreclosure review and they still would not remove because of BANK OF AMERICA responded to them stating it was accurate. I was involved as a member of the the UNITED STATES XXXX. I have only a check stub stating the amount and reason why the check was issued. That is the only documentation the bank will give based on the settlement agreement with the federal government.