WillisBack/dataset-financial-user-claim huggingface dataset:
Paid my XXXX bill online on XXXX XXXX after XXXX via electronic transfer from my checking account. XXXX website notified me it would take one " business day '' to process, i.e. XXXX XXXX ... XXXX requires payment due by Sunday XXXX XXXX ... of course XXXX is closed on Saturday and Sunday and its normal business hours are Monday to Friday but still somehow they want payment on XXXX XXXX ... a Sunday when their doors are closed, lights out and nobody available ... So that is one half of the problem. I could not pay my payment on a Sunday if my life depended on it, because there is no way to do it ... 
The second part of the problem is that bank super computers magically only processing bank transactions on " business days '' Monday to Friday ... and typically only to XXXX in the evening. So I am questioning the logic of this old school banking protocol of only processing checking account transactions during these very restrictive hours and only " business days '' ... I think as a society we are past this and almost all transactions are being done by super computers at these big banks ... They have multiple layers of redundancy and backup systems and there is really no reason banks can not perform checking account transactions 24/7 and every day of the week ... The reason is simple banks want to slow, postpone and make it difficult for folks to pay bills on time or manipulate timing of transactions because utility companies and banks get tremendous benefit from charging late fees and lack of fund fees based on manipulating the timing of transactions ... If they punch a few buttons on those super computers to provide mor prompt and timely checking account transactions to occur 24/7 they would have tremendeous losses in revenues due to all the late fees and lack of funds fees they steal from folks by manipulating the clock and using the " business day '' requirement that does not actually exist in an era of super computers that process transactions 24/7 ... It 's an outdated protocol from a time when bankers and tellers had to be present to assure transactions are processed ... But it 's all run by super computers now and it is an unnessecary protocol that is deteremental to consumers and the American economy ... checking account transactions for too big to fail banks should be done seven days a week as supercomputers rarely need the weekends off like humans and especially with all the redundancy and backup systems ... There is no good reason, explanation or excuse why these " to big to fail '' banks can not do checking account transactions 24/7 to the benefit of their customers/consumers ... Change is due!?
In Case Number number : XXXX, the CFPB has the authority to do the following when presented with clear and blatant facts of violations by SunTrust Mortgage. The CFPB was directed by the Office of Inspector General of the FHFA to investigate, but did nothing with the CFPB oversight authority. 
" CFPB may bring administrative enforcement proceedings or civil actions in federal district court or state court. The Bureau can obtain 'any appropriate legal or equitable relief with respect to a violation of [ f ] ederal consumer financial law, '' including, but not limited to the following : Rescission or reformation of contracts Refund of money or return of real property Restitution Disgorgement or compensation for unjust enrichment Payment of damages or other monetary relief Public notification regarding the violation Limits on the activities or functions of the person against whom the action is brought Civil monetary penalties ( which can go either to victims or to financial education ) It is also possible hat the CFPB will seek significant fines in its enforcement actions. The penalties that the Bureau may seek are also significant. The CFPB can seek to impose civil penalties of ( a ) up to {$5000.00} per day for the violation of a rule imposed by the Bureau, ( b ) up to {$25000.00} per day for the reckless violation of a federal consumer protection law, and ( c ) up to {>= $1,000,000} per day for a knowing violation of a federal consumer financial law or regulation.
I had  XXXX  in  XX/XX/XXXX . I had medical insurance and I never received a bill from the hospital concerning the  XXXX . Three years later, I received a notice from a debt collection agency stating that I had a balance due from the  XXXX . The balance was {$1100.00}. The debt collection agency has tried numerous times to contact me via phone calls and notices in the mail. On  XX/XX/XXXX , the debt collection company filed a claim against me through  my local county 's  magistrate court.   Last month, I obtained a copy of my credit report and the debt collection agency has placed the debt on my credit report as a collection. I do not owe this debt. I never received a bill for {$1100.00} from the hospital in the years following the  XXXX . The hospital where the  XXXX  took place has filed bankruptcy within the last few years and is under new management. I believe this bankruptcy has forced this new company to try to obtain monies from past patients.
To whom it may concern, I opened a secured credit card account at Wells Fargo a few months ago, and told the banker very clearly that I would do the autopay with my checking account from XXXX. She said no problem and asked me to open a saving account on Wells Fargo. After a lot of signature without further explanation from the banker, she said that I was all set. I was actually very happy at that time, did not know she linked my secured credit card with my saving account from Wells Fargo in which I do not have enough money to pay back. I did not realize it only after about a month. For sure, it gave me a lot inconvenience later. I spent hours on calling/writing them many times trying to ask for the feedback from Wells Fargo. They did not admit the fault they made, repeatedly showed me that my signature was on the document. However, I was never told the document was the autopay linked to my Wells Fargo saving account.

Thank you for listening.

Best regards,
I have contacted fedloan multiple times this year requesting documentation of dates and amounts of interest added to my loan since it began. I noticed earlier this year that my amount due had jumped significantly but there is no record of the exact amount added to each loan, when and why. They basically keep telling me to look in my online account even though I keep telling them, the information I am requesting is not available there. It is crazy to me that I have been unable to see an accounting of my loan since it 's origin. Please help. I contacted them in regards to this on XXXX, XXXX, XXXX, XXXX andXX/XX/XXXX and they have still failed to provide documentation of my loan. I have attached a copy of the XX/XX/XXXX andXX/XX/XXXX statements that are available to me online so you can see that my balance jumped by {$910.00} with no explanation.
I am victim of Mortgage Fraud perpetrated in XX/XX/XXXX. 
I was approached in XX/XX/XXXX to invest in some real estate properties. I closed on XXXX properties the same day, as I was told that they were " bundled properties ''. The agent that contacted me during his investigation mentioned that that should have been my first " red flag '', as you can not close on that many properties at the same time due to income and credit verification. Loans were closed for a certain amount, and Title company took thousands of dollars without me knowing in my name from a bank account. The agent suggested I contact an attorney. After speaking to the Asst. US Attorney in Ohio, i received a letter that the mortgages were fraudulent. I contacted the all XXXX mortgage companies to get some kind of resolve, as I am not in a position to keep the homes. I am seeking your assistance as I would like to get a mortgage histories erased from my credit report. I 'm in the process of getting a Deed in Lieu for all of the properties. 
I sent the US Attorney 's documentation to Chase on XX/XX/XXXX and my loan was transferred to XXXX XX/XX/XXXX as stated in a letter dated XX/XX/XXXX. I was still in contact with Chase as of XX/XX/2016.
As you can over look attached Doc. XXXX collection was reporting on my Credit Report reference to XXXX XXXX Account. 
it was reported by XXXX after disputing with Agency I submitted letter to transunion .. 
Transunion refuse to remove negative account from my report
Hi, I filled out my information for an application for XXXX XXXX and then canceled without submitting the application. I then got noticed that my Experian credit was pulled on XX/XX/XXXX and then again on XX/XX/XXXX. Please remove these two inquires being reported on Experian.
I refinanced my student loans from XXXX to XXXX XXXX inthe amount of approximately {$360000.00}. This refinance payment from XXXX XXXX was processed by XXXX on XX/XX/XXXX. There was an overpayment of over {$4300.00}. I have asked XXXX about the status of the refund of this overpayment multiple times. I spoke by phone in XX/XX/XXXX to an agent who said refunds are processed within 30 days. It has been a month and a half. I have send their customer service department two emails, both have gone unanswered. They have provided no reasonable explanation that they would delay in issuing a refund.
Wells Fargo is foreclosing on me. My husband died in 2013 he served in XXXX, but the courts and the bank want me out and they r gon na enter my home and take all my posesson 's as well. Please help
Equifax ( and likely the other credit agencies ) mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim of this huge breach of consumer data according to their equifaxsecurity2017.com website, and would like a resolution.
My wife received phone call, in 2014, stating she won a gift card. Along with this conversation she was asked several questions, XXXX of which being her favorite magazines. A month or so later I noticed we were getting billed by an unknown company " XXXX XXXX '' which I assumed was from the phone conversation. When we attempted to call the number back, the individual who answered stated that they had received numerous phone calls regarding this issue, but was in way affiliated with the activity. After this we went to our financial institute, XXXX XXXX XXXX, and had them investigate the matter. They determined it to be fraudulent, refunded our money and halted all further transactions. This has been over a years time with no word since, emails, calls, mail etc. Last week we received a collection letter for {$1100.00} from another company " XXXX '' through Malcom S. Gerald and Associates, Inc. My wife never agreed to any contract or services of any form. These charges are fraudulent and we would like to get this taken care of before any negative impact may hit her credit.
I have been disputing an account that is reporting on my transunion credit report. ( XXXX XXXX XXXX ). The creditor has agreed to remove and delete this off my report. XXXX has finally deleted the information however transunion is still reporting it. I had to call 3 different phone numbers today to finally get to speak to someone about this problem. I was told I need to supply further supporting documentation. I explained that I spoke with corporate office for XXXX XXXX XXXX and it has been agreed that they will remove this off my credit reports. I explained to transunion today X/X/17 that I spoke with XXXX XXXX XXXX approx 2 months ago ( I do not have the name of the person I spoke with over at corportate ). Transunion said they will re-dispute this information and I will have to wait 30 days for a response. According to XXXX XXXX my score has dropped XXXX points today. I asked the rep at transunion why such a huge drop I was unable to receive an answer. My debt has gone down on my bills and there should be no more inquires so I do not understand as to why the drop in score. XXXX XXXX XXXX does not belong reporting on my credit report. Having this information still reporting is affecting my credit score in a negative way. I also explained the according to XXXX XXXX there has been an account that has been sent for collection which should not be that information is wrong as well. I am submitting this complaint because I have been disputing this information for quiet some time now and getting nowhere.
About XXXX lost my ID SSN and other things on the bus I made a report with Police Station. I have been having problems with things on my credit I tried reaching out to the people on my credit I have not seen any changes. 
1. XXXX XX/XX/XXXX I Mailed a dispute because it is not mine. Have not heard from them yet. It is still on my credit 2. XXXX XX/XX/XXXX This is not my account I mailed a dispute and its still on my credit. 
XXXX XXXX XXXX  XX/XX/XXXX is not mine I mailed a dispute to let them know I did not do this and its on my credit XXXX  XXXX XXXX XXXX. for {$310.00} XX/XX/XXXX this is not mine. I mailed a dispute to let them know
XXXX Account : XXXX is a fraudulent account and has been disputed with both the creditor, The collection agency representing the account, and the XXXX major credit bureaus. I have provided proof of identity theft report filed by local law enforcement agency to all entities mentioned. The collection agency XXXX XXXX has since remove the collection account however, the creditor itemized account in association with this collection is still listed as a " charge off '' with transunion. I have disputed this item with the credit bureau Transunion and was advise that they were able to verify the information as accurate with the XXXX XXXX. I have contacted XXXX XXXX directly regarding this issue and was advised that the account does not exist in their database system and was an investigation could not be filed since the account does not exist in their system. I was then referred back to the collection agency to handle this dispute. After speaking with the colleciton agency XXXX XXXX today, I was told that they have do n't their due diligence by removing the collection entry. I was further told that they only handle reporting issues generated on their end. Needless to say, the item is still listed on my report by XXXX and I am disputing it once more.
1- Experian XXXX XXXX XXXX XXXX Texas XXXX phone ( this # given o the report at File Is Frozen etc. '' will not accept my calls. 2- Experian says my " File is Frozen Due to State Legislation '' but will not allow me to access the file to determine exactly what is " state Legislation '' 3- XXXX XXXX XXXX used this Experian report / data to deny me three times a " Special Deposit '' account for me, and XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX which I now dispute as false. 4-I told both Experian and CEO XXXX, XXXX XXXX XXXX XXXX, and others at XXXX XXXX XXXX that I am a XXXX status and thus " State legislation '' does not apply to me. ( see attached )
XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX This auto company needs to update my credit reports as of now not late and have a balance for XX/XX/2018of XXXX. it is showing on my report that I am still owing {$1100.00} while I have no past due as of todayXX/XX/2018. 

They have customer service foreigners that did not always understand me whenever I talked to them.
I contacted Coinbase on XX/XX/XXXX for help approving a transfer of bitcoins from my vault to my wallet, with the intention of selling my bitcoins ( initially it was XXXX, but now I wish to move all XXXX btc. I could not approve the transaction through my backup email address, which can not be updated on the site, so I contacted support. I was told my problem would be handled shortly. I have sent multiple follow-up responses hoping to get my problem addressed, or at least an update on when I can expect it to be addressed. My follow-up emails have all been ignored.
Receivables performance are stating I owe XXXX $ and I feel that I should only pay the service monthly charge and not the early termination due to me bringing over my own phone over which was already paid off.
Today ( XXXX XX/XX/XXXX ) I attempted to freeze my credit report access at XXXX, XXXX and Experian. The XXXX  attempt went without a problem, but I was thwarted in my attempts at Experian and XXXX. After filling out the credit freeze request form at XXXX, I was received the following response : <p> " We are temporarily unable to complete your request. Looks like we are experiencing a problem on our end. 
We are sorry, but we are unable to fulfill your request at this time. 
What to do now : If the problem persists, please contact our Website Access Support team at XXXX, available Monday through Thursday : XXXX XXXX to XXXX, and Friday through Sunday : XXXX XXXX to XXXX XXXX Eastern Standard Time. '' <p> In the case of Experian, it was clear to me that they were intent on making it as difficult as possible to obtain a free freeze. Their request form did not allow autofill, an easily implemented customer courtesy, and after having manually filled out the form and answered ID verification questions, I received a notification that for an unspecified reason they could not fulfill my request, and that I should send the request via USPS mail and include a long list of specific pieces of information, which I had just supplied in their online form. 

I believe if one of your agents attempts to use the free freeze request at the two services referred to above, they can confirm my experiences. Nevertheless, I will double check both of those services tomorrow, and if their response has been more compliant in fulfilling the requirements of the free freeze legislation 's intent, I will so inform you via this complaint submission option. 

Sincerely yours, XXXX. XXXX XXXX, VA
I 've been a victim a identity theft from income tax to credit cards and people trying to obtain things using my credit, such as social security number and birthdate. I called  XXXX  and  XXXX  and they handled the inquiries and bad accounts with no issues, they removed everything that was fraudulent with no problem at all because they can see the pattern of fraud. I called trans union and explained the issue, they told me to call every inquiry on my report and get a letter of deletion. When I call the numbers on the reports the companies state there is no record of me applying for the credit. I have ov er 80 inquiries   on trans union and they will not help me. I hav e 5 inquiries on  XXXX  and 10 on   XXXX , obviously something is wrong. I spoke wi th two su pervisors at trans union and they all say the same thing call the consumer and get a letter of deletion, how can i get a letter of deletion when they do not have the proper information on the trans union report, I called the numbers on my trans union report and the numbers are inaccurate. My loan  officer stat es I seem to be a victim of th e trans union inquiry issue, but I call trans union  and they state I 'm not. I am at a lost here something is definitely wrong with trans union reporting and they will not help at all. The numbers on the transu nion reports to call are inaccurate so i cant get a letter of deletion, I explained that  to two supervisors at trans union and they state there is nothing they can do it will fall off in two yea rs. This is fraudulent and inaccurate reporting what do I do?
On XX/XX/XXXX, it is stated on my credit report that I have a hard-inquiry from XXXX. This was not me applying for the card. On XX/XX/XXXX, I have a hard-inquiry from XXXX XXXX, I am 100 % not sure where or what this company is. On XX/XX/XXXX, I have a hard-inquiry from XXXX XXXX XXXX, not sure as to why I have one with them, when all I currently have is a debit card.
I own a small business that accepts credit cards for payments. The company used to process the cards is First data. They constantly withhold MY funds for DAYS and tell me that it is my bank blocking the deposit. Seriously????? They lie to me constantly and as of today, I do not have funds totaling {$4200.00}. I have asked for a wire and they refuse. The are owned by XXXX XXXX who has XXXX me before with the scam in XX/XX/2012 where they take your money and open other accounts without permission. 5 times in a two year period for me. Now they are withholding funds. I understand First Data does this to many people. They are scam artists holding onto my money for days. I NEED THIS MONEY FOR MY BUSINESS!!!!
The company has been harassing around about 3 months for account open by identity theft with XXXX, We request a copy of the alleged agreement and a copy of his license to collect money in my state and have not given me any kind of document. Rather they began to report the XXXX credit bureaus account. Credit card companies, XXXX, XXXX, XXXX, remove the account when you do get the police report of my identity theft, and the agency returns infrige laws and nuemamente I reported the same account. I already have bad with constant harassment, I will take an action with this agency or fined for not following the CRA rules.
This is in regards to the recent claims against Navient. I have had horrible experiences with the loan provider since finishing my XXXX in XX/XX/2013. They constantly try to tell me to pay more on my loans. I work for a non profit and make just enough to get by. On multiple occasions they have gone through my finances and said I would have enough to pay a higher rate. I sobbed and sobbed to them and after going through different avenues I had to fight for a rate that was somewhat manageable. It was to the point that I would n't have any money in savings and when I said do you want me to lose my home the man was inappropriate and laughed. This is n't the first time I have had horrible experience with the customer service agents there. They often laugh when I cried on the phone, disrespected me, and violated my privacy insisting they needed to know a complete breakdown of my expenses and said bases in my pay check, which is already little, I could pay a certain amount. They constantly tell me that their extremely high interest rates are normal and nothing can be done. I ca n't make a dent in the loans because of the interest rate. Hope this helps others experiencing the challenges with Navient.
Home mortgage with Wells Fargo. Mo pmt is about {$650.00}. I pay {$350.00} every two weeks through auto deductions. Problem is that WF keeps the first {$350.00} and holds it until the second {$350.00} pmt is rec 'd and then they post a pmt to my acct. Should n't I get interest for two weeks worth of {$350.00}? -OR- Should n't I get credited immediately for each {$350.00} pmt they receive? WF just tells me it 's the way they do business. -OR_ Would it make more sense to pay {$700.00} every four weeks. The goal is to pay a bit more than I owe each month and to get in an extra payment every year.
Your client initiated foreclosure within the early intervention period in violation of Regulati on X, 12 C.F.R. 1024.41 ( f ). Your client failed to provide our client with a Post-Foreclosure Referral Notice in violation of 12 C.F.R. 1024.39 ( b ) - We have also requested a QWR response as of 4/20/17 an d request a response ASAP to this information being requested
XXXX XXXX, XXXX I called XXXX XXXX XXXX about an inquiry on my credit report. I did not authorized them to do. Upon speaking with XXXX, the XXXX I learned that they pulled for XXXX XXXX XXXX. I asked for a copy of My signed authorization. Oh course, XXXX refused to provide me with a copy of My consent. She instructed me to contact XXXX XXXX XXXX. I called them and they indicated they have no record of me on file in none of the XXXX offices and they also informed me they do n't use XXXX XXXX XXXX used XXXX. I asked them to provide me a letter stating that fact and to notify XXXX XXXX XXXX to have inquiry removed. Both companies refused to do so and this has been on my credit report since XXXX/XXXX/XXXX is doing great damage to my credit worthiness.