WillisBack/dataset-financial-user-claim huggingface dataset:
I attempted to open an account online with Wells Fargo on XXXX XXXX, I completed the necessary forms and also authorized them to take {$500.00} from my XXXX bank account to fund the new account. On XXXX XXXX I was advised that I was approved and that my new debit card had been mailed. On XXXX XXXX the {$500.00} was taken from my account by Wells Fargo. On or around the XXXX I received my new card. On the XXXX I tried to activate my new card by phone and was told that the card number could not be found. After several calls to various divisions of Wells Fargo I was told that my account had been closed as a result of a business decision by the bank and that since the account had not been funded the account was automatically closed. I provided the transfer information that I was given by Regions including online tracing numbers and the Wells Fargo Co ID. I spent 3 hours on the phone with Wells Fargo on Saturday and in the process was able to file a complaint and was provided a Case ID # and a number to call yesterday to find out the results of the investigation. I called back yesterday and today and they still say they do not have the money. Thus far I have spent 5 hours on the phone with the bank to retrieve funds that were not to be taken out of my account until the account was operative. They removed the money, closed the account 5 days later and now say they do n't have the money. I just want to know what to do.
RECEIVED A CHECK FROM MERRILL LYNCH, CASHED THE CHECK AND FOUND OUT CHECK IS BOGUS. I AM OUT OF {$2900.00} AND WANT MY MONEY. 

XXXX XXXX XXXX or XXXXXXXXXXXX
Dear CFPB : Please be that advised this statement and request submitted through the CFPB will serve as a formal complaint that Experian ( ( CREDIT BUREAU ) ) failed to properly conduct an investigation/dispute wherein the company, did not acknowledge my dispute, respond to my dispute, and failed to notify me of any results and/or updates regarding the disputed accounts within the federally controlled/allotted days of 30-45 days according to the Fair Credit Reporting Acts Guidelines of handling a dispute. My dispute was sent on XXXX XXXX XXXX sent certified mail with USPS Tracking XXXX XXXX XXXX XXXX XXXX XXXX As per my civil rights, the items I felt are inaccurate. It has been well over 30 days and I have received no reply. I have included a copy of my original mailing and my mail receipt for your records as well as mine to which I have submitted this dispute. Please take immediate action to rectify these issues. 
I look forward to your timely response and to receiving an updated copy of my credit report as per my initial request where the items in question should be deleted. TIME IS OF THE ESSENCE.
XXXX Forward movement recovery SCAM Threatens you and family members with arrest if you dont pay. Sometimes they say IRS sometimes they say pay day loan but it is always the same number calling. I do not owe any of these and have asked them to stop calling. They keep calling not only me but family members. They also change the amount owed and who owes it.
I have on two previous occasions notified the collection company and the hospital that my only income is social security and I am unable to pay the obligation and my income is not subject to judgement. They continue to attempt to collect the debt and make threats.
Bank of America mortgage payment was made on XX/XX/2018, but they reported it as being 30 days late. The payment for XX/XX/2018 was made after the XX/XX/2018, which is reported correctly on the credit report. I contacted bank of America on XX/XX/2018 because the account was showing as closed on XXXX XXXX, and I was told that they closed and transferred the account to XXXX XXXX XXXXXXXX and this is the company I should deal with going forward. They would not speak to me in regards to the late payment reported for XX/XX/2018.
Tide water credit. XXXX XXXX XXXX in recovery department knows of her employee taking a payment on my account and refusing to reimburse me for NSF and adjust the account since it was their error. XXXX XXXX all she does is shout and tells me basically I 'm a liar without any resolution. The account was forward to attorney office which I explain to attorney and requested for me to put in writing. I requested as part of the account being resolve to have them delete this account they agreed. today the account is showing past due with a balance, charged off and late late payments. I tried to resolve this account today with XXXX XXXX again got her rude team members XXXX and XXXX believe name refuse at first to transfer me to a supervisor and I was told to calm my attitude down. XXXX XXXX came to the phone and I advise her after basically she called me a liar that I was going to file a lawsuit she stated good all are calls are recorded. I asked for the reps name who took the payment from me 2 years ago what her name was she refused to give it to Me, all she kept saying was thats not how it went.
XXXX XXXX XXXX turned this to collections without informing me that the insurance coding is incorrect in order for my XXXX insurance to pay. XXXX, my XXXX, refused because of I sufficient coding. It would have been nice if XXXX had shared that with me so I could assist in getting a new code for XXXX to send to XXXX. Yes, you heard that right, XXXX is making me contact the doctor to tell them that they need to send XXXX a different billing code! This does not seem right but what else am I supposed to do?
Received marketing materials stating that during a pacific window if I used my card I would be offered an incentive rate of 1.99 % until 2019 if the card was used for purchases. I used the card to purchase XXXX in airline tickets during the proper window and was not given the promotional rate. Instead when I inquired Citi Bank informed me that I had to enroll in a program to get this rate. The material was received at my house because Im an existing card member. I used the card for this purchase based upon the literature I received. When I asked if I could enroll and then get the rate applied retroactively they said no. The materials were very misleading.
Hello, I have noticed that my len der, Navient, is not applyi ng extra payments I am making to my loan in a way that maximizing my repayment. I followed instructions on the cfpb website with regards to how I wanted my payments to be handled and emailed my instructions to the lender. They shared that they could not set up in advance how to handle extra payments, but rather that each time I paid an extra amount, I would need to wait for the payment to post and then email instruction s ( corresp ondence attached ). I als o called Navient  on  XXXX  to receive additional details that they told me another method would be to send them a check and then send instructions every time I mailed a check. I pay a bit extra every month so this is not a realistic or consumer-friendly policy.     Next, they have an error on their site, they say that you can not add more than the minimum about to you auto payment. It says " Your recurring Auto Pay amount ca n't exceed your monthly payment due at this time, but you can pay more on a one-time basis by selecting Make a Payment in  the navigation menu  and specifying an additional amount for any loan enrolled in Auto Pay. '' However, when I called the lender on  XXXX , they told me that I could pay more than the amount with the autopayment ( ACH ), but that they had to set it up over the phone and that it would " change the terms of my loan. '' When I pushed her on what she meant by change the terms, she said she just meant changing the payment schedule. I asked that she please send me all the details in writing and shared that they are sharing erroneous information on their web portal with their borrowers regarding payment methods.
I summer 2017 I had 2 accounts with XXXX. One in XXXX and one in XXXX. In XXXX, I rented out the house in Arkansas and cancelled internet/cable service. The final bill was XXXX which I paid via a phone call XX/XX/XXXX. In XXXX, I received notice from Diversified Consultants that the account had been turned over to them for collection. Knowing that I had paid the bill, they discovered that it had been credited to the wrong account ( XXXX ). This was on or about XX/XX/XXXX. The customer service representative took additional payment information to make account current and said that collection agency would be notified. I did not hear anything else until I was alerted to negative information on credit report. At that time, I filed protest with Diversified consultants and contacted XXXX and again made payment. They said that they would send a letter stating that the account had been paid but I contend that it was turned over to collection in error since I had paid the balance due on the account on XX/XX/XXXX. Refer to attached bank statement. I have requested that XXXX send a letter stating that account was turned over to collection in error and therefore negative information on credit report should be removed. A letter stating that the account is now paid in full is not sufficient but that is all that they are willing to do.
This debt older than 7 years and should be removed from my credit report. I contacted them to inform them, however, they have not removed it. The debt was charged off in XXXX of XXXX -- more than 7 years ago now. They had closed off the account long before this date. 

They claim there was activity on the account in XXXX. This would be impossible since they charged it off in XXXX.
I sent a debt validation letter to XXXX  XXXX XXXX in regards to an account they have on my credit report. They received my letter of request via certified mail on XX/XX/XXXX. It is now XX/XX/XXXX and I still have not received any type of validation of this debt or communication in its regards.
After years of trying, in XXXX of 2013 Wells Fargo finally processed a loan modification ( after the MHA helpline intervened ). Unfortunately the modification as not done properly and instead of being " current '' once the modification was executed the mortgage was already thousands of dollars behind. While working patiently with them to resolve the problem I discovered that they had apparently changed the terms of the modification after I signed and sent it in, increasing the interest rate and adding a {$75000.00} balloon payment due at the end of the loan. After being recently laid off I applied for a HAMP deferrment and the application was being processed, but after I insisted on receiving answers about the XXXX modification being changed Wells Fargo sent me a letter saying my HAMP application had been withdrawn at my request ( it had not ) and they placed my condo into Foreclosure status and set a sale date for this tuesday without telling me.
This happens REPEATEDLY. Discover shows a current balance online that does n't reconcile with the information for the account. Amounts that were in the " pending charges '' section disappear and get added to the current balance WITHOUT placing them into the " posted activity '' section. Therefore, when I log into check my activity, it does NOT reconcile. I have to call customer service, and they read from THEIR screen, the charges that they have made disappear from my screen when I am logged into my account. I do remember the accounts, but this is not how to do business. If they know the amounts so that they place them into the current balance, then they should be able to add them to the posted transactions section so consumers can see it on their accounts. Not to do so amounts to fraud, as far as I am concerned. As I said, this happens FREQUENTLY with Discover. It is wrong, deceptive and misleading. They need to add charges to posted activity if they are going to list them as current balances. Please investigate this and let me know why they are doing this.
XXXX had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed. 
I have inquiries from XXXX XXXX XXXX XXXX. Dates XXXX, I have XXXX inquiries on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Capital One Bank XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX and XX/XX/XXXX. XXXX XX/XX/XXXX
late XXXX or XXXX XXXX I spoke with a rep at XXXX  XXXX XXXX XXXXXXXXXXXX XXXX, it was an oversight on being late with my last balance due of {$52.00}, i was on a deferred payment plan. I followed up after the call with a letter of hardship. The rep on the phone call agreed to drop one {$29.00} and kept one {$29.00} on the balance, bringing my balance to {$89.00}, I take care of my XXXX year old mother which has brought significant financial problems. My small balance was not intentionally over looked. Hurricane Irma struck on XX/XX/XXXX in XXXX XXXX Fl. I am in a six month forbearance with XXXX XXXX. It has been absolutely chaos in my home and the XXXX XXXX. On the first phone call I asked that my credit card be cancelled. Upon receiving my statement from XXXX XXXX, my balance is now {$150.00}. I presently have XXXX XXXX XXXX installing a XXXX XXXX as my mom XXXX XXXX XXXX. I proved my finances to them. I mentioned yesterday by phone to XXXX XXXX  that I have financial proof of everything. They refuse to bring my balance back to the {$89.00}. Even though the credit card was cancelled by me in good faith, I now read on line that they help hardship clients and disaster victims.
I received notification that between XX/XX/XXXX- XX/XX/XXXX your automotive account with XXXX XXXX XXXX  was removed from your credit report. But upon viewing a recent copy of my credit report with Transunion it is now stating that disputed information updated. By law I was supposed to receive anything related to a vehicle repossession and or sale of said vehicle and have n't when it was repossessed in XX/XX/XXXX. I 've called XXXX  who only gave me information to collection agency. Contacted collection agency regarding this matter over 45 days ago now and no response. This is also showing as {$0.00} balance, so if I 'm no longer liable for money due why is this not been removed from my credit profile?
I made a payment of {$2100.00} to my credit card that was received, XX/XX/2018. The payment was received and cleared by the merchant approximately, XX/XX/2018 and Synchrony Bank granted me around {$850.00} of credit, instead of the full amount. It is unfair of Synchrony Bank to " float, '' {$1300.00} of my payment for 1 week and I believe in violation of state and federal regulations.
Hello On XX/XX/2018 I had a car accident. I was out of work for over 5 weeks. My car was declared total lost. 

on XX/XX/2018 I had made a payment in the amount of {$430.00} to pay for my XX/XX/XXXX payment. 

Irregularities. since my car was declared total lost I was waiting to see how much insurance company will pay and Gap Insurance. I never heard anything from Ally at all.

My Gap insurance denied the claim because I had skip 2 payments due to Natural disaster hurricane Irma back in XXXX ( I have never been late ). 
I'm looking at the account online 4 months later and now the account is back online Which they had taken access away since it was a total lost vehicle. Now is back online and it says I'm 6 late. this was on XX/XX/XXXX I notice this. I immediately call Ally to make a payment arrangement and they say there is nothing they can I do that I have 4 more days to make a regular payment. Then they transfer me to another department ( XXXX ) and this department offer me an settlement of {$690.00} on XX/XX/2018 at the time I did not had the money in my bank account therefore I told them let me gather the money I will call back. 
Now they are telling me that I do not qualify and that they don't do that even when they see in their system the comments on this day by their own repetitive. 
also the Irregularities of this company and I need an explanation of all the transactions they have posted to this loan after XX/XX/2018. The company is showing on XX/XX/ a Unpaid balance reduction of {$550.00} then on XX/XX/2018 a payment of {$17000.00} then they reserve the payment of {$17000.00} ( this was the insurance payoff ) then they reserve this payment on the same day XX/XX/XXXX and posted a payment for {$870.00} then more reversals etc. when my last payment was received XX/XX/2018 {$430.00} since my accident was XX/XX/2018.
On XX/XX/2018 I received a check in the mail along with a letter from PNC Mortgage in relation to my escrow account. The letter indicated, During a recent review we discovered while your loan was in bankruptcy, we did not complete a timely escrow analysis. This resulted in escrow shortage. The amount it closed is equal to a portion of the escrow shortage that you incurred. We apologize for any inconvenience. 

To this letter, I responded and requested a full review of my account dating back to my initial bankruptcy to ensure that a timely escrow analysis was conducted. Depending on the findings I requested, necessary adjustments, credit of interest and fees or a comparable amount of whatever is needed for corrections. It was my belief that, if they failed to do the timing escrow analysis currently, this may have also been done in the past. To this day I have not received a response from the company.
Last year, I switched banks to Santander Bank because they were advertising the Extra XXXX checking in which they credited your savings account {$20.00} per month if you met certain activity requirements on the attached checking account. In radio ads, they clearly implied and stated it was not a limited time perk, but " forever ''. I again asked this when I opened the account and was told it would not be changed. In an XXXX XXXX letter I was informed they would be changing my checking account to a simply right checking effective XXXX XXXX, 2016. So now the {$240.00} per year perk has been eliminated. I feel this was an unfair and deceptive practice because I was clearly lead to believe this was n't going to be changed or a bait and switch tactic - which it clearly was for me and the thousands of other people who believed them.
I have the following companies and XXXX know that I have seen many unrecognized and unauthorized inquiries into my credit report that I did not do. I have yet to recieve an response from XXXX or the companies regarding my request to remove/investigate these inquiries. The inquiries in question are ; XXXX XXXX XXXX :XX/XX/XXXX, XX/XX/XXXX XXXX XXXX :XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Comenity Bank : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX :XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX : XX/XX/XXXX XXXX :  XX/XX/XXXX,XX/XX/XXXX Aliance XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX
Staring in XXXX 2017, I disputed multiple fraudulent charges on my account. PNC bank refused to return my calls or respond to emails for 2 months. After many follow up calls and visits to my local branch, the disputes were found to be valid and the merchants refunded those transactions however PNC bank closed my account and refused an explanation. I have banked with PNC for many years. This has caused undue stress and work for me during the holidays. Having to open a new account, set up new bill auto payments and have my funds on a hold where I could not access them for many days has been stressful.
The home closed on XX/XX/XXXX with Movement Mortgage, then sold to XXXX. Payments started on XX/XX/XXXX. All payments have been made on time. I have proof of all payments. Between the two mortgage companies, the paperwork and transfer dates have been crossed up. I have been receiving phone calls on, late notices, and now late charges for payments that have already been received. I have tried to resolve this issue several times. As of yet, they have not worked together to clear up this issue. XXXX have a transfer date of XX/XX/XXXX, then Movement Mortgage has a transfer date of XX/XX/XXXX. I sent the XX/XX/XXXXpayment to Movement Mortgage and they refuse to send the payment to XXXX because they are saying it would make my account delinquent with them.
I pulled my credit report and discovered that this company has reported that I owe them a debt but I never received a letter from them prior to them placing it on my credit report. My rights under the XXXX section XXXX ( a ) were violated.
Synchrony Bank has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
I was victim of identity theft by a person who gained access to my personal information. This person, XXXX XXXX XXXX fraudulently XXXX signed my name as co- signer on student loan no. XXXX with Chase Bank in sum of {$10000.00} on XXXX XXXX, 2009..I have provided Chase with last known information for XXXX XXXX XXXX XXXX
The credit card is offered to pay for medical or dental expenses and no interest is charged if the balance is paid off within one year. My complaint is that I enrolled in paper less statements and there was insufficient notice that the deferred interest would be charged if account was not paid by XXXX, 2014. However I could not access the account to obtain information as to the start date of the charge so I could be prepared to pay the balance. This has resulted in interest charges of {$750.00} +/- and the original advance was {$2000.00} +/- ( I can not access the history of this account so I can provide dates, etc. ) The deferred interest far outweighs the benefit of the advance. Previous advance was paid in full because I knew the date of the payoff.