WillisBack/dataset-financial-user-claim huggingface dataset:
This was my Aunt 's bank account. My mother was her guardian until my mom passed in XX/XX/XXXX. I applied for guardianship of my Aunt after learning mom had passed.I live in a different state. However, while in court vying to become her guardian, her account was being emptied out by her temporary guardians. Written on the withdrawal slips were the words per court order. Also, my Aunt 's name was misspelled on 3 different occasions.Someone filled out the withdrawal slip using her name. This makes the Bank so negligent, as my Aunt didn't have Id, as she could n't drive & was in a XXXX. If, my Aunt could do banking, why did she need a court ordered guardian? These people did have temporary guardianship over her person only. They did not get full guardianship untilXX/XX/XXXX. However, the money was being taken from the date XX/XX/XXXX. Regardless they never had court approval for this bank account. The bank didn't even ask for a copy of the court order. It states they have a budget from the Court blocked account ; which is a different bank. No one even knew she had an account at this bank until she died in XX/XX/XXXX. I discovered it, when I became the Administrator of her account. I filed a complaint with the bank & also spoke to their Security Dept ( XXXX XXXX on XX/XX/XXXX ). The Bank is in violation of the bank secrecy act, and still did nothing, but swept it under the rug. The money was being withdrawn while they were being investigated by the court. Also, I had closed the PO BOX in XX/XX/XXXX, as it was in my mother 's name. The bank didn't even bother to check the address on the account.
I was visiting each credit reporting agency website ( XXXX, XXXX, Experian ) to place a security freeze in the wake of the XXXX data breach earlier this year. I  was shocked to learn that Experian has a {$10.00} fee in Connecticut ( my home state ) to place a freeze, another {$10.00} fee for every time you want to temporarily remove it when youre applying for a credit card, and a {$10.00} fee to permanently remove it ( see attached screenshot ). Since everyone is automatically opted into their system once you start using credit cards and the like, it is absolutely ridiculous that they can charge you a fee for the basic control and security of your own information. 

A quick search reveals that some states prohibit these agencies from charging these fees : XXXX XXXX XXXX From that article, it shows that as of XXXX, 38 state Attorneys General ( not including Connecticuts ) called upon the agencies to remove the fees, which clearly has not been successful. 

I urge the CFPB to do what it can to stop the credit reporting agencies from charging these fees. Consumers should not have their data collected by a company, only for that company to then charge them for security services on that data. They take my data without my asking and then charge me for its security. 

Thank you very much. I know that this simple policy will help Connecticut residents and those in other states who see these fees - people of any income level - better protect their personal data without being forced to pay a fee over and over.
This is not my debt. In    XXXX   XXXX   2016, I started the process of purchasing a home. In   XXXX   XXXX   2016,   when about to close on my home, I was informed that I had an outstanding collection that had appeared out of no where from this company stating that I owed  XXXX  for an unpaid bill. I was unaware of this debt until that time. At that time, I called  Convergent Outsourcing, Inc. and inquir ed about the debt, they asked for all the information and concluded that it could be a case of fraud. At that time I asked for proof the debt so that I could provide proof to my lender that it was not my debt so that I would not be disqualified from purchasing the home and I was informed that they will send out their fraud packet as well as proof and as of this date, I never received said documents. I have took it upon myself to dispute the debt by sending in proof of my identification and st ill this company is trying to hold me accountable for this debt. I recently contacted the   XXXX   major credit bureaus with a  XXXX  letter to re-investigate this debt and I ha ve recently been informed from  XXXX , that the item has been verified and reported correctly, however, I still have not received documentation validating this debt as mine.
I have been in contact with Equifax several times over the past few years. I have two significant concerns with their integrity at this point.

1 ) I have never lived at an address or used a bank to pull a hard credit file in Indiana. I was born and have lived in Michigan my whole life. 
See Examples : Under address : XXXX, IN XXXX Under hard inquires :XX/XX/2016 XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX ) In 2016 an erroneous medical bill was put into collections under my name. I fought it with the local doctor and they called and had it removed from Original Creditor Name XXXX XXXX XXXX XXXX XXXX. I then had to call and advise XXXX XXXX XXXX XXXX XXXX  if they did not REMOVE the claim in full ( I never owed a dollar ) not just show it paid that I was going to take legal action as it was haunting me under my credit report. Somewhere the total got reduced from {$57.00} to {$3.00} and closed. I went through several months of Equifax saying that XXXX XXXX XXXX had to remove it ( not just the {$3.00} but the whole claim as it was not correct ) and XXXX XXXX saying that they had sent everything in and that EQUIFAX was delinquent in updating the information. I have begged, pleaded and threatened Legal action. These responses have all been sent numerous times over the past 6 years to get all three of the inaccuracies off of my credit report. I get no response. The other two reporting agencies do not have either of them on them.

I am asking that you please help me. This is having a significant effect on my credit and is causing me to pay extra for insurances, mortgages and etc.
Macy 's failed to secure my accoun and would not share information with me how my account and personal information was compromised. There was a purchase for about XXXX for fancy watch ( out of my state ), which was then credited to my account a few days later. When I called to check the status of the investigation, Macy 's said that since it was returned, there is nothing to investigate. Macy 's fails to provide me information about the incident. I felt closing the account was the best solution, but even after I 've closed the account, I 've received XXXX letters already indicating someone is trying to reopen my account. I had to close other credit card with fear that someone else was going to use them.
I am a victim of identity theft. Someone stole my identity and applied for an auto loan in my name with Credit Acceptance Corporation. I have never applied for an auto loan with Credit Acceptance Corporation. The auto loan account with Credit Acceptance Corporation is fraudulent, unauthorized and not mine. I been receiving harassing and threatening phone calls of profane and vulgar language, death threats, threats of legal action, wage garnishment, arrest, jail and prison time from Credit Acceptance Corporation call center debt collection representatives at home and work at XXXX XXXX and XXXX XXXX for a fraudulent account and debt of {$7000.00}, I dont owe. Credit Acceptance Corporation is in violation of The Fair Debt Collection Practices Act ( FDCPA ).
I missed a monthly mortgage payment earlier this year as a result of a temporary shortfall in income. At the time I made the decision not to pay the monthly payment, I had a solid plan in place to get the account back to current within two months based on the return of scheduled income. Once I fall behind XXXX days on the account, the bank got involved and started introducing a series of bank programs and processes that made it increasingly more difficult to get back to current. These programs were accompanied by additional fees and charges, as well as the fact they bank would not accept monthly checks but required XXXX check only for the sum of the total due. They issued multiple letters with inconsistent terms and conditions and proceeded to change their positions as to which letter was the letter of record. Net result was what was XXXX days past due approached 90 days past due ( totally due to bank policies and programs ) not my ability to pay. These policies and programs generated additional revenue for the bank, and caused unnecessary hardship and stress to me.
I am being charge for XXXX overdraft transactions, each of {$35.00} by my Bank without me being responsible of such. Just because it was posted. I try to speak to my bank about it with no resolution
On XX/XX/18 I received a collection notice from afni Inc . It was for an XXXX XXXX XXXX account in he amount of {$280.00}. This was the first time I had been notified of the bill. 

I followed up with a letter to afni on XX/XX/18 ( see attached ). I copied my attorney on the letter as I always do on this type of correspondence. In XXXX of this year afni send our attorney the collection notice. I NEVER stated we had hired an attorney to handle this and I do not understand why they would change the billing to him. Also, they have not, as of today provided me with any additional information regarding service address, etc.
I have been disputing with Experian for the last 6 to month about many items on my report. Many of the items were removed by the other reporting companies. But every investigation comes back verified. Well this time on report for XX/XX/XXXX Experian explained they would no longer RE-INVESTIGATE the items and gave me the numbers and address. I called and spoke to a few and sent letters to the rest. Well, one of the items in question stated that they do not give information to 3rd parties or report to credit companies, and note that this item has been this report since XX/XX/XXXX. ( When disputed with the other reporting companies was removed in 30 days ). Next, the next two items was disputed atleast times and came back from Experian VERIFIED and will not re-investigate, yet again no reply from one collector after sending 2 letters for validation and verification. the 3 company sent something back saying they cant locate NO INFORMATION, as of XX/XX/XXXX.
This Agency has continued to report inaccurate information on my report even though they know its not accurate.I have complained to them reapeatly but nothing has been done.
I went to XXXX in a time of need searching for a car. I was sold a XXXX XXXX XXXX XXXX XXXX with a selling price of XXXX which is was over the value but doable. After a year of constant on-time payments I figured it was time for me to refinance, wrong! I was told by numerous banks that they were unable to lower my payments due to the value and age of the vehicle vs. the amount owed on it. I was confused. Somehow I ended up being financed more than needed and owed a total of XXXX after a year which apparently came down from XXXX. I was in a shock. I feel like I was taken advantage of being a young kid in need of a car. I even asked the lender if I was able to trade in my vehicle for something with lower miles due to being affected by hurricane Harvey I am now back and forth between XXXX and XXXX they replied, " If your balance is XXXX or lower. '' I asked was a able to re-negotiate my contract that was a no. I tried every way possible to remedy this situation it is impossible, especially with no help from the lender or dealership. I do not recommend doing business with them, they are not for the customer.
XXXX XXXX charged off an account of mine in XX/XX/XXXX. There were payments still being made. I had been under the impression that the balance was actually paid off. No communications from barclays until XX/XX/XXXX when doing a background check for employment. Found the balance double the limit. XXXX has told they tried to contact me for a brief time, ultimately it was not their responsibility and that they sold it off to a debt collection agency ( this was told to me by a member of the office of the president ). I never had such an account on my report, no such company has ever tried to contact me. The balance has been paid in full. I have asked barclays to present post dated proof, where they have attempted to contact me. I do not trust what they log in their system. That can always be altered. I want physical, post dated proof, because I was not contacted for a period of three years. Further, they charged off an account which was still being paid, I have confirmation of payment emails still in my inbox. 

I demand that this trade line be removed from my experian report.
I am in need of your assistance please. My wife and I purchased a house in XXXX while we were XXXX, and as you know the market collapsed shortly thereafter. In XX/XX/XXXX I XXXX was forced to leave my family behind to continue trying to sell our house. After a couple months of nothing, and an upcoming XXXX to XXXX we decided to contact XXXX XXXX XXXX at the time for assistance, and they said they would n't help us so we had to leave the house as is. 
After being in XXXX for a couple months a friend of mine moved into our house, and I took out a loan from my Grandfather to get caught up on the house. We than got a long term resident in the house with intentions to purchase the house from us after settling some things from his last house. We got stationed in XXXX XXXX in XX/XX/XXXX where we lived until XX/XX/XXXX. 
In XXXX XXXX our renter up and left the house leaving us with no notice or anything. My wife 's paycheck was going strictly towards the house for 7 months until my wife had to quit because of orders taking us to XXXX where we are currently stationed. While we tried with the bank to do a short sale, we were getting the run around which was very difficult being in XXXX, and it did n't seem like the VA was helping us get the documents loaded into the system, and I had to make daily calls for a week at a time to make sure things were getting done, and after about a month we got an offer on our house that was very good. I called Nationstar and the VA again almost on a weekly basis to try and get the house sold. After well over 90 days of waiting on the bank and making constant phone calls, there was a really bad storm in XXXX where rain had got in the basement and our sump pump went out. We were than notified that there was mold damage now, and the buyers backed out, and we do n't have the means to get the mold fixed, and the bank said they would not pay for it. 
So now the only thing I could think of was a Deed in Lieu, to try to get this house out of my name and try to rebuild my credit. I submitted paperwork to the bank 2 weeks ago, and since then have been contacted by the bank 4 times asking about the short sale, and how that process was going. Each time I had to explain again that I had submitted the paperwork to do a Deed in Lieu. 
I am now convinced that if personnel that work at this bank and handled my account had done their job my house would have sold when we did the short sale, and they should be held accountable for what they have done. If this is happening to me and my family I ca n't help but think if there are other Soldiers and families going through the same difficulties as I am. As a XXXX I had to try to reach out to someone in a position to make a difference not only for me but also for what could be numerous Soldiers and their families that are going through the same problems. 
Thank you for your time Sincerely XXXX XXXX XXXX XXXX
I Open up XXXX XXXX XXXX credit card account inXX/XX/XXXX and i always made my payments on time and never been late and i was out of town during the summer of XXXX and my credit card was stolen ending in XXXX and i never use this credit card at all and i noticed there are the charges i didnt do nor i do business with and i filed a dispute with XXXX XXXX XXXX and few months later it was denied by them and they marked the card as ' as lost ' and i called XXXX XXXX XXXX and reopen the investigation around XX/XX/XXXX and they marked my account as a stolen card and i fax it over them and so far i havent heard from XXXX XXXX XXXX and i check my credit score and it went down to XXXX from transunion and i called XXXX XXXX XXXX on the XXXX of XXXX and asked them to email or send a letter to 3 major  credit bureaus and letting them know that my dispute isnt closed but the refuse until this day i have a major and outstanding balance of XXXX and it showing on my transunion  credit report
TD Bank has left me in SEVERE financial hardship and no way to pay my rent or other bills. 

On XX/XX/2018, a Saturday, I was attempting to make a purchase with my TDbank debit card. The purchase was declined. I called my bank to see if they could rectify the problem and a rep told me that my account was drained because of an " offset ''. I checked my account and there were XXXX dollars in the account that should have had {$1200.00} in it. Also, appearing in the transaction history are these items : DDA OFFSET XXXX - {$310.00} DDA OFFSET XXXX - {$460.00} DDA OFFSET XXXX - {$270.00} DDA OFFSET XXXX - {$100.00} DDA OFFSET XXXX - {$77.00} totaling {$1200.00}! 

The ENTIRETY of ALL my money with TDbank. They took it all. I do not have other accounts elsewhere with any funds in them -- this was ALL the money I had to support myself. And of course, no one at TDbank is anywhere near helpful, so I have had to wait until monday because their " collections department '' is closed on weekends, and standard tdbank lackies do nothing because they aren't in that department. Tdbank 's social media is merely damage controlling PR, ignores you, and is not supportive whatsoever. 

I have no knowledge of these other accounts that supposedly are in my name for which tdbank insists I owe them this money, nor have I ever recieved postal mail, email or phone calls insisting I owe money on past accounts at this bank. Td bank has taken money out of my account for accounts I didn't even know existed! 

Additionally, according to the " Right to Offset '' law, social security funds are EXEMPT from " the right to offset '', Section 207 of Social Security Act ( 42 USC 407 ). Tdbank has taken social security funds that were deposited into the td bank account which was drained. " A Financial institution can not offset social security benefits against any other debts owed to the bank. '' But they still did, of course! to the tune of {$86.00}. 

My account was completely drained and brought down to XXXX - leaving me with no way to pay rent, buy food, money for transportation or my medications. If TDbank does not refund my money to me immediately or rectify this issue either by phone or in person, I will be filing more complaints with the FDIC and the Office of the Comptroller of the Currency, who regulates TD BANK , N.A . 

TD bank has left me in severe financial hardship, leaving me without a way to pay my rent to keep a roof over my head, no way to pay bills and no way to even buy food or pay for transportation. TDbank " Customer Service '' lackies should be ashamed to work for such a heartless, greedy bank that would do this to their customers and leave them in a near-homeless situation. 

Also I was not able to afford my medication due to TDbank taking every cent I owe and TDbank has caused me to miss doses of a medication that I can't currently afford. 

I want this situation fixed ASAP, or I will consult a lawyer. 

FIX THIS, TD BANK.
XX/XX/XXXX disaster ... Deposit not avail. Systems physically not available and once again BBT dropping the ball! I've filed a previous complaint and BBT had the nerve to give me an unfavorable review.. Lol! Really so I guess my concerns was petty until today when BBT entire system crashed and the XXXX and XXXX gave BBT the negative business in regarda to fees, deposit processing, and the attitude of branch staff at various locations.. The same concerns I voiced. I understand stuff happens yet as a consumer BBT has a bunch of unbalanced terms and conditions that only favor corporate profits.. Now you ask your members to be patient.. I scoff at that when my balance XXXX make XXXX deposit and BBT return fee me XXXX on a XXXX transaction.. Balance been XXXX since XX/XX/XXXX add XXXX equal XXXX all day long.. I want my XXXX back.
I have been working with Ditech on a Deed in Lieu of Foreclosure on my property and throughout the whole process the last XXXX7 weeks was under the impression that we were working on a XXXX application and that I would qualify for relocation assistance and now they are telling me in the final steps of the process that I never qualified for that process but wont tell me why. Now they are saying any relocation assistance offered to me was on their behalf and that the home was not left clean enough for them and they wo n't be giving me all of the money I was told I would get because they are going to be paying someone to clear the property. I feel completely misled and swindled by this company. No one cared to mention to me in the past 6 weeks that I did n't qualify for the XXXX program for whatever reason and now that they 've changed the locks on our house and had me sign all the paperwork they are telling me they wont give me the relocation money at all.
I went to Walmart as I always do to get my weekly shopping done. I have a Walmart credit card through Synchrony Bank that I use all the time for this. I use this card and pay it off at the end of each month. The cashier informed me that the card does not work and is not good. This was very embarrassing, deplorable and shocking for me. Only then did I know that something was wrong and Synchrony had closed my account. After a lengthy conversation the Synchrony representative told me that a third party Debt Consolidation company had contact them and advised that I was in counseling with them and Synchrony had made an agreement with them to settle my debt. I was shocked! This is not right and Walmart/Synchrony explained they could do nothing more for me, that was also shocking. I have been an exemplary customer. I then explained that they clearly have the wrong person. They finally provided me the Debt company info that was on the other side of the United States called XXXX XXXX in California. XXXX XXXX stated they used their clients credit report to obtain the credit card number that they sent to Walmart/Synchrony Bank. I continued to be the middle person ( as the innocent person ) for the XXXX companies and they XXXX seemed to not know what to do. I since found out that the person has nothing in common with me XXXX other than the account number error ) and that this has been reported to my credit report as an adverse event. Negatively impacting my credit. SO to date, Walmart/Synchrony bank has been reporting my credit to this other persons credit report and my report, they closed my account on the word of a third party sharing information with that third party without contacting me and will not correct this serious mistake that has impacted me ( the innocent person XXXX negatively! Everyone admits that this was wrong and errors in security have taken place, but no one is willing to fix this or compensate me for this embarrassment. Now I live with this for 7 years? I need some assistance with this horrific error and violation of my credit security.
This complaint is related to CFPB case number : XXXX ( see attachment entitled : " CFPB Case XXXX '' ). In response to that complaint Nation Star Mortgage indicated in a letter dated on XXXX/XXXX/2015 that proof of insurance was received ( see attachment entitled : " Nationstar Letter Acknowledging Receipt of Homeowners Insurance XX/XX/2015 '' ). In a Nation Star Mortgage Statement dated XX/XX/2105 it is clear that the escrow payment for missing insurance was eliminated as a result of the CFPB case. However in the most recent mortgage statement dated XXXX/XXXX/2015 an escrow amount of {$640.00} mysteriously appears ( see attachment entitled : " Nation Star Mortgage Statements XX/XX/2015 '' ). I would like Nation Star to eliminate this mysterious escrow amount from my mortgage statement.
CALLED ME ON CELL 7 TIMES, MY SISTER 2 TIMES AND MY MOTHER 11 TIMES. 

WENT ON CREDIT REPORTS. WITHOUT APPROVAL HARASSMENT AT ITS BEST AND ILLEGAL!