WillisBack/dataset-financial-user-claim huggingface dataset:
CFPB : I would like an inquiry in the handling of wife XXXX XXXX XXXX joint checking account with daughter XXXX XXXX by SunTrust Bank for refusing to release funds and information on XXXX XXXX  portion of account. 

I recently try to close out her account because she is now decease and she had funds with daughter in account since I have been unable to reach her concerning matter. 

I tried to contact bank myself. 

The bank manager was contact to assure account was froze and didn't compile and 800 number is non accessible. 

so we will like file investigation.
I was making month to month payments with care credit, my last payment was about to be made for close to {$400.00} then i realized that all the deferred interested had carried over, now making my balance close to {$1000.00}. Had I know this information, I would have not signed up for them. I assumed that if the balance was n't paid in full that I would owe the interest on just the balance and not the entire amount. This is very defective and complete theft! XX/XX/2016 INTEREST CHARGE ON PURCHASES Date Posted:XX/XX/2016 {$690.00}
I hired a freelancer to make a website for me. I paid 50 % of the total price upfront so that they could begin the work. According to XXXX I am protected by PayPal from fraudulent " Sellers who provide services or digital and intangible goods. '' After multiple delays, the freelancer provided me with a terrible first draft of the website. 

XXXX I decided to terminate the business relationship and asked for a partial refund. The seller refused. I asked for PayPal to step in and assist me, they also refused to assist me and decided in favor of the seller. There is no appeal process available or a detailed explanation of how they reached their decision.
Bank of America closed my checking account and my debit card without notifying me. They did not send me any communication prior to closure and closed my account on the basis of my wife 's nationality. I have a shared account with my wife, and according to BOA representative on the phone they closed my account " because they needed some information and documents '' relating to my wife 's nationality and therefore they decided to close her checking account and mine! They did not call me to ask for " information and documents '', did not email me, sent me no letter through mail and just decided to close both my checking account and my wife 's checking account. 

This is targeting individuals based on their nationality and treating them unfairly. This is discrimination based on national origin. We do not deserve to receive a warning letter/email/phone call because we are of XXXX  origin. And now we will not have access to our funds in the checking account for 10 days until they send checks to our address. I asked the representative if we can at least walk in to a BOA branch and receive the checks today in person, and the answer was no, we will have to wait 10 days for the checks to be " approved '' and " processed ''. They want to " approve '' whether they should give me my money or not!
For Trans Union, I received PRE-APPROVED pappliations for XXXX credit cards. They then reported these as hard inquiries. I read that if you are pre-approved, it will NOT be reported as a hard inquiry. Please investigate this for me. XXXX cards were received and are active. 

On my XXXX report there are XXXX hard inquiries from XXXX within a 3 week period. I did not authorize XXXX these inquiries. Why would they need XXXX checks in 3 weeks, anyway? Also, I also was hard-checked by XXXX in conjunction with the XXXX account. They collaborate to install internet, phone and TV services. Also, I already had an account with XXXX. There was no need to do a hard check on an existing account. I just moved. In short, there were XXXX hard inquiries to open XXXX account. Please help me with this problem.
I was contacted by XXXX, XXXX XXXX, and asked if I would like to sell the time share we purchased in XXXX. She said she had a buyer ready, she sent a contract XXXX XXXX, 2015, read it over with me on the phone. Then she said I had to send her commission, which would be fully refunded by the buyer. Then it was title fees, then XXXX fees, etc., and to be refunded back to me. I was also contacted by XXXX XXXX at XXXX XXXX XXXX XXXX, and told he was holding the money in escrow account. Many promises, no action. Have not be able to get anyone to call me back for weeks.
I have been disputing a charge with Capital One Credit Card since XX/XX/XXXX. I purchased multiple tickets through XXXX XXXX using my Capital One credit card. However, during the purchase transaction, Capital One initially denied the payment due to security concerns. After resolving the security concern, I was able to purchase the tickets. Unfortunately, duplicate tickets were purchased and Capital One did not stop the payment when I purchased the tickets on the phone with them. I was told to call the Airline company so it could be resolved. I immediately contacted XXXX XXXX and was told I would lose my money and not be given any credit. I received notifications of a duplicate ticket from XXXX XXXX but again was not able to obtain a refund. Capital One attempted to get me a refund but was not successful. After 6 months of disputing the transaction with Capital One, I was told by a representative that I would indeed be refunded the amount of XXXX. I called Capital One again XX/XX/XXXX to inquire about my refund and was told by a representative that I would receive the refund but would transfer me to a supervisor to have it processed. I was transferred to the supervisor who then told me that I would not be receiving any refund and that the other Capital One representatives did not explain to him that I would receive a refund. In the end, Capital One was not able to obtain any funds from XXXX XXXX and lied to me on multiple occasions about getting my money back. Capital One asked for a credit voucher from XXXX XXXX in order to refund me any money. How do you get a refund voucher from the company you are disputing the transaction with?
I have an old outstanding credit card debt that I am currently paying to a debt collector, XXXX XXXX XXXX XXXX on a monthly bank draft for {$150.00}. The debt collector assigned to my account will call me to attempt to close out the account with an agreed amount, which I have not been able to do. If I do not answer the phone for any reason, he immediately calls my sons, wife, and an old business partner which have nothing to do with my debt. I 've tried to reason with him and have told him to stop calling people who have nothing to do with this, but he persists and continues to call them, actually calling XXXX of my sons this morning three times within a five minute period on his cell phone. I want this to stop. I have an agreement with them, and I 'm doing my part.
CONVERGENT is trying to collect a debt that is not mine. According to XXXX this acct was not opened with no date of birth or social under their no credit check program. my name is a common and and I also have a cousin with the same exact first middle and last name. I am requesting this to be removed because this is not my debt.
My Td bank checking account keeps having its address changed to an address I havent had access to in more than 6 mo. Theyve apparently been sending my checking account statements there for months despite even having the actual address on file for credit cards and numerous repeated attempts to change the address. I had a credit card statement/payment that was stolen from the mail or never sent that they tried to bill fees for and report to credit bureaus. I have called them repeatedly and changed the address for the checking account. I also went in branch in XXXX XXXX XXXX XXXX. I spoke to a XXXX guy who appeared to be XXXX based upon accent. It takes >20 min every time I call in. Ive had people call me claiming to be td bank reps asking for my ssn etc but they called from a slightly incorrect number. Calling td directly they stated that it wasnt them calling and that they wouldnt ask for a ssn like that. The checking account statements have a lot of personal details on it and also have the checking account number. Theres a few thousand dollars in the account. This is obviously extremely scary. TD also on account opening tried to deduct more than {$2000.00} from a brand new zero balance account despite having transferred that amount into the bank. Td bank has already been confirmed to be targeted at a high level to impede my personal economic prosperity with known XXXX insider threats at the bank including especially XXXX XXXX. Factually all of this stuff needs to stop. Banking and financial services are core infrastructure. These actions and or negligence are all illegal at this point and its extremely terrifying. Please mitigate the threats immediately and bring them to justice.
I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made along with errors. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
this company used an automatic dialing system to call my cell phone without my permission on several occasions. additionally the collector did not disclose the " mini miranda '' and this debt is out of statute. several tcpa violations.
I have a medical collection that was supposedly owed through service at XXXX XXXX in XXXX, NC on XXXX/XXXX/XXXX. The bill was received initially from XXXX XXXX XXXX, in the amount of {$670.00}, who I contacted to find out what the charges were for. The hospital had no record of the bill, my insurance had no record of the bill and the company provided nothing more than the date of service and the amount due despite several requests on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. The bill was then sold to Optimum Outcomes IncXXXX who I have again tried to validate with on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX by both fax and mail. Again, despite my requests to validate what was owed and for what service, I was once again given only a date and an amount. I have repeatedly requested this either validated or removed from my credit reports with no assistance from the company or the bureau who just keeps stating the company validated it. I would pay this, but I can not find any proof that I owe it and the insurance has no record that I should owe it. I have tried numerous times to correct this with both companies and the bureaus with no luck. Please assist. Thank you.
XXXX XXXX XXXX closed my checking account XX/XX/XXXX which I thought was only for a negative balance. I later find out they closed my account for fraud which Ive never committed. The account balance was {$38.00} which I paid on XX/XX/XXXX. I talked to multiple representatives at XXXX XXXX XXXX on XX/XX/XXXX and not one could pull up information about fraud being committed. I completely understand that my account may have been closed due to a negative balance, but Im being reported for something thats completely inaccurate. Fraud and insufficient funds are 2 total completely different things. After trying to resolve the issue I spoke with Chexsystems and XXXX XXXX trying to get the issue taken care of. I spoke with a representative at XXXX on XX/XX/XXXX and told him my issue how Im being misreported as fraud. He basically told me he knows and XXXX XXXX XXXX risk department reports EVERYBODY as fraud even if they havent committed any type of fraud and if I dispute its a waste of time because chexsytems works for the banks not the people. He later told me also if I wanted it removed I would have to wait 5 years or pay {$400.00}. I then called XXXX XXXX about the situation and they told me to file a dispute which I received the documents in my email XX/XX/XXXX. This entire time Ive been misreported and its completely unfair to me because I cant get no type of Bank accts. All of them see me as fraud when Ive never done such a thing. I paid the {$38.00} that I indeed owe and I just want things to be done fairly. Yes I owed on a negative balance, no I didnt commit fraud. I called XXXX XXXX XXXX risk department today ( XX/XX/XXXX ) to see if they updated Chexsystems and XXXX XXXX so I could pursue getting me a new account with a better bank who doesnt just reports every account closure as fraud. The lady told me even though I paid, this account will stay reported as fraud until XX/XX/XXXX. I then told her that Ive never committed fraud and its reporting inaccurately. She told me that I shouldve filed a claim after the account was closed. I wouldve indeed filed a claimed if the account was closed to fraud, but I was under the impression that my acct was only closed because I had a negative balance of {$38.00}. Nobody at XXXX XXXX XXXX can tell me how I committed fraud but theyve reported me. This is completely unfair and its causing unnecessary stress in my life because Im being reported for something that I didnt do. Chexsystems and XXXX XXXX are working with the banks so its basically 3 against 1. Ive never committed fraud and XXXX XXXX XXXX is violating my rights. I demand some type of physical or legal proof showing I committed fraud, if not I need this misreported information removed immediately. Its at the point now where its affecting my daily life because I cant get another bank acct anywhere. If theres no proof where I committed fraud, I need to be removed from Chexsystems and XXXX XXXX immediately. Like I stated earlier, having an negative account and committing fraud are 2 completely different things.
I went to XXXX in XXXX XXXX, pa in XX/XX/2015 to get brakes put on and while there they said that i needed {$400.00} worth of work because my wheel bearings were destroyed. So i had them fix them, but after driving two minutes down the street realized nothing was fixed. They had given me a XXXX credit card to pay with which I used to pay for everything. So i went back a second time and they once again charged me on my XXXX credit card to fix the same problem and when i left i realized they still were not fixed. So after going back a third time and being charged again on the same credit card and still not getting my car fixed they said they probably wont be able to fix my car and to take it to a dealership. I then took my car to a XXXX dealership and they notified me that not only did they not fix anything properly on my car and that i would have to pay for all of it again, but they also cross thread my axle and i needed to purchase a new one, so i was charged {$1300.00} at XXXX for all repairs. After multiple attempts at trying to contact the district manager at XXXX from me, XXXX and my mom, no one answered any of our calls or called back. The credit card has an extremely high interest rate which i was not aware of and has put me into debt which i from services that were not even done properly. The credit card debt has now been turned over to a collection agency, XXXX XXXX.
I made a payment on my checking account for my credit card. My deposit did not credit until the next day. This caused my bank account to overdraft XXXX The next day I credited the account but still have an overdraft fee. I ca n't afford to pay this.
I sent letter to debt collector/creditor to verify debt I received no response and/or documents. I mailed letter on XXXX XXXX and have proof from post office verifying this. I have complied with all credit reporting laws and have given the appropriate time to respond and would like this matter resolved and deleted from all credit bureaus.
I am writing to inform you that SYNCB WALMART DC is not my account. 
I am contesting it as fraud. Please have it removed.
XXXX XXXX legally had to remove from my credit and they did, then they illegally put it back on my credit. its not mines then XXXX XXXX   reported me and its not mines. they don't respond to me. these accounts are not mines XXXX XXXX XXXX Reported : XX/XX/XXXX + {$2000.00} Closed XXXX XXXX XXXX   Reported : XX/XX/XXXX + {$0.00} Closed inquiries not mines XXXX-XXXX  Inquiry : XX/XX/XXXX + Telephone Companies XXXX/XXXX Inquiry : XX/XX/XXXX + General Clothing Stores XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry : XX/XX/XXXX + Personal Loans XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + XXXX XXXX XXXX XXXX.

( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + All Banks Contact the inquirer : MAIL ONLY XXXX XXXX Inquiry : XX/XX/XXXX + XXXX XXXX ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX + Miscellaneous Utilities Contact the inquirer : MAIL ONLY XXXX Inquiry : XX/XX/XXXX + Miscellaneous Utilities Contact the inquirer : MAIL ONLY XXXX XXXX Inquiry : XX/XX/XXXX + National Credit Card Cos.

Contact the inquirer : MAIL ONLY XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX   Inquiry : XX/XX/XXXX + Finance ( XXXX  ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance ( XXXX  ) XXXX XXXX XXXX   XXXX Inquiry : XX/XX/XXXX + Finance ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX + Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Automotive ( XXXX  ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX  ) XXXX
I recieved a letter marked XXXX XXXX 2015 from Robinson, Reagan, and Young pllc.The letter states that I owe {$160.00} to XXXX.I sent a letter back certified and it was signed for by an XXXX XXXX I believe ( cant make out signature and name was not printed ) on XXXX/XXXX/15. In the letter I asked for validity of this debt, copies of bills, why they think I owe this debt, and name and license number of the agent for debt collection in the state of Florida.I recieved another letter a few days ago just saying I failed to communicate with them about this supposed debt and to avoid action taken against me to call and make arangements.they did not address any of the questions I sent in the certified letter.I believe I am being scammed by this " business '' and would like some help please.
I received an alert from a credit monitoring service of a credit inquiry to Experian initiated by XXXX XXXX, which I did not approve. I have not been able to reach anyone at XXXX XXXX or Experian to resolve the matter.
West & Associates, a company in XXXX, California posing as a collecting agency for XXXX, collected money I owed XXXX bank but did not pay this money to XXXX bank. XXXX bank denied West & Associates was their collecting agency.
I have been fighting with the  XXXX ,  XXXX  and Experian to remove an item off of my credit report that was paid by the actor  XXXX   XXXX  on  XXXX   XXXX ,   XXXX    XXXX   XXXX   XXXX   XXXX  I am attaching a printout of t  he ledger where it shows we had a huge credit balance.
No monies are owed and i would like this deleted off of my credit report unless they can show written documented proof that thi  s money is owed.
I have seen a collection on my credit from Ability Recovery Services for {$990.00}. It is the only collection on my credit and I 've never taken out anything for that amount. It was dated for  XX/XX/XXXX . I disputed it and asked the company to provide me with proof that the debt belongs to me. They ignored my request and re-reported it on my credit stating the debt was from  XX/XX/XXXX  which was when I had initially disputed the debt. Instead of providing me with adequate proof, they instead reported it to the credit bureau incorrectly saying I had opened this debt on the date I attempted to dispute the debt.
IDENTITY THEFT NOT RESOLVED Source Equifax XXXX Date XX/XX/2018 Balance Date XX/XX/2018 Balance Amount {$54000.00} Open Date XX/XX/2018 Status Date XX/XX/2018 Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX CREDIT BUREAU XXXX XXXX XXXX XXXX NC Zip XXXX
Recently I reviewed my credit reports from XXXX and XXXX and noticed that Phoenix Recovery Group is reporting a debt on my credit reports that I do not owe. I 've sent them certified letters requesting that they validate this debt. I received a letter from them in XXXX XXXX with a signed copy of my lease and documents stating that I owe monies for rent in XXXX XXXX. I sent Phoenix Recovery Group another certified letter which they received on XXXX XXXX, XXXX presenting them with an email that I received from the Property Manager confirming that he was in receipt of my apartment keys on XXXX XXXX, XXXX. I moved into my new apartment on XXXX XXXX, XXXX which I have the lease for this. How can I owe a debt for the entire month of XXXX if I returned the keys back to them on XXXX XXXX, XXXX? 

I have not heard back from them in regards to the email that I sent and was received on XXXX XXXX, XXXX. After further research I found of that this company is not even legally licensed to collect debts in the state which I 'm a resident of, FL. In addition, they have falsely misrepresented themselves as my credit reports list them as a Collection Agency/Attorney. 

I contacted XXXX XXXX XXXX to advise him that they are reporting incorrect information on my credit report and that I want this removed especially since they are not licensed to collect in FL, not Phoenix Recovery Group or their parent company. 

I have recently been denied credit because of this collection account, this is damaging to my reputation, as I am in the process of starting my own business and this debt haunts me.
Equifax currently has my name and address listed on my account in various ways and it is severely negatively impacting my credit worthiness. I have requested on several occasions for this to be corrected. Via sending in my current license, and my marriage license. And the corrections still have not taken place.
Wells Fargo failed to review information as provided regarding a personal loan. When challenged, under-writers within the company made sure the re-review was 'in-house ' to prevent a correction in the decision. This is a part of a bigger and known problem with Wells Fargo and their unfair lending practices.
Initial Complaint :  XXXX  Response : Dear CFPB, I did not receive any calls from  XXXX . I informed  XXXX  that my cell phone was stolen and provided them with an alternate contact number. They could also have direct messaged me through  XXXX . I contacted  XXXX  numerous times with calls and direct messaging. I was told to call, but when I telephoned, I was transferred repeatedly and consistently to numerous departments with no help or answers. If I visited  XXXX  multiple times, it was to open accounts for my  XXXX  children or to address  XXXX  money being transferred to them, not for my own personal use. I had to file a complaint to get them to talk to me.     First, I left my purse on the counter while shopping during  XXXX  Friday, but it was later returned. Secondly, my van was broken into and my phone, purse, and personal items were taken. A couple of my cards were compromised. As a result, I looked further into my accounts.     I confused this card with a  XXXX  card and application. I explained to  XXXX  that I had no knowledge of the account or card when I telephoned and needed to close it. Why would I go through all of this for {$35.00}?     I have slowly been transitioning to my new home at  XXXX   XXXX   XXXX  in  XXXX ,  XXXX  while it is being renovated, so I havent fully changed my address yet.     Regardless, derogatory information was reported to the credit bureaus while this issue was supposedly under investigation. I was told that the first investigation was inconclusive. Negative information should not have been reported to the credit bureau if the credit card account was under investigation, and I was not aware of the results.