WillisBack/dataset-financial-user-claim huggingface dataset:
OnXX/XX/XXXX, I went to XXXX XXXX located at XXXX XXXX XXXX in XXXX, CA to withdraw money from my American Express Serve card. I went through the process of entering in my pin number and the amount along with which account to take the funds out of only to have the ATM machine not to dispense any money. I waited a good 3 minutes to see if the machine would dispense any money, before attempting to it again since I had some bills to pay that was due in a day I really did not think nothing of it, so I attempted to try again only this time the ATM machine said withdraw is not allowed. A male was waiting to use the ATM and stated oh that ATM machine is always breaking down and went inside the branch. I was waiting longer than normal for my ATM card to be returned.

A female employee came outside and asked me if everything was okay, I stated the machine final gave me my card I did not think much of it, she looked at the ATM machine and went back in, I on the other had went to another XXXX XXXX near where I was at this time it was in a grocery store only for the machine to say that contacted lender. I then looked online only to discovered. The funds was showing as if I made a transaction. I attempted to make a transaction but no funds was dispense.

I had to be at work at XXXX XXXX. so I had to head to work on my break on XX/XX/XXXX. I contacted my bank to dispute the charges and on XX/XX/XXXX my bank sent me an email informing me that my dispute was denied. I then contacted XXXX XXXX to inquiry why would my bank American Express serve would say that ATM vendor indicated funds was dispense when they were not.

I spoke with a person by the name of XXXX she informed me that a detail investigation was not done and that American express Serve need to request the date stamps, camera, error log. She only mention that a basic one was done and I need to contact my lender to re investigate.

I contacted my lender on XX/XX/XXXX. I am late on a few bills because of this situation that I had no control over.
I applied for a position with XXXX XXXX XXXX ( XXXX XXXX XXXX ). I authorized XXXX to obtain information from a third party, First Advantage consumer reporting agency. First Advantage reported inaccurate information on XX/XX/XXXX. XXXX sent a letter to me dated XX/XX/XXXX that they may rescind my job offer based on information submitted in the report by First Advantage on XX/XX/XXXX. XXXX told me I had 5 days from XX/XX/XXXX to contact them to dispute the accuracy of the First Advantage background report. I contacted XXXX by email and phone on XX/XX/XXXX and told them that the information received in the background report by First Advantage was incorrect and that I was disputing the accuracy from First Advantage to XXXX as well as First Advantage. I then contacted First Advantage on XX/XX/XXXX and put in a dispute ( dispute # XXXX & XXXX ). On XX/XX/XXXX, I received an email with a copy of a letter dated XX/XX/XXXX from XXXX that XXXX made a final decision to rescind my job offer. This decision was made before they even received the updated dispute information from First Advantage. First Advantage completed their report on XX/XX/XXXX. First Advantage did not even submit the update information to XXXX until XX/XX/XXXX. On the original background report dated XX/XX/XXXX, First Advantage reported outdated negative information to XXXX that was more than seven years old on my criminal background. They reported inaccurate information on " Search Type-Felony and Misdemeanor Record Search '', Case # XXXX, " Case Date '' was outside the seven year search period as requested by XXXX. Additionally the " Sentence '' was reported inaccurately. First Advantage submitted update to XXXX on XX/XX/XXXX after XXXX had already made their final decision to rescind my job offer and did not even bother to review nor consider the mistakes made by First Advantage because they had not received the updated report submitted by First Advantage to XXXX on XX/XX/XXXX. I believe that because of the inaccurate information submitted by First Advantage on my criminal background on the 1st report, this caused XXXX to make a biased decision on my character which caused my job offer to be taken away. I also think that XXXX made an unmerited decision without the correct information of my background history and gave me the impression based on the letter I received from Human Resources Client Manager, XXXX XXXX that the final decision to rescind my job offer would be based on the updated information received from the consumer report after the dispute was completed.
I applied for a personal loan online on XXXX for {$5000.00}. 
OneMain Financial and several others offered me an approval. 
I picked OneMain Financial because it was closest to my house, and they said they could approve my personal Loan. 
I contact the office in XXXX XXXX, off XXXX XXXX and a XXXX XXXX named XXXX XXXX, she congratulated me and told me I was approved for a {$5000.00} personal loan I would just need to come in with tax returns and paycheck stubs, bank statements, proof of employment, proof of any assets ( bank statements, credit unions, title of car, proof of address, which she said my registration to my car and gas bill was acceptable. 
I rushed in with my info, she spent some time getting my loan through underwriting and went over the disclosure of " where to pay my loan, that some of the money was going to go to pay off my credit card, pay down my other credit card and the remaining would go in my bank account '' On the way out of the office, she was walking me out and Stated that if I was planning to sell my car, to call her and they would release the lien '' I was a little confused, as my understanding was this was a personal loan. 
I did not apply for a title loan, search for a title loan or under the impression that I was getting a title loan. 
I called six months later, with all my payments being current and never have missed one. 
XXXX originally disclosed that if I want to sell my car, just to call her and she would have it released When I called XXXX months down the road she told me that there is nothing she can do to get the lien released, that in order to release the lien I must go and reapply for another loan or have the funds from the sale of the car go directly to OneMain Financial and any remaining balance must be paid in full! 
I was outraged, completely confused and asked to speak to her manager. 
I told XXXX - the branch manager- that XXXX had broken predetory lending laws, in XXXX XXXX ( as even on their website they state they offer personal loans ) that she waited til after the entire process, I was in the parking lot and disclosed a list of things I needed to do to get my lien released. 
which was " sell my car '' 2. Call XXXX 3. XXXX would have lien released. 
XXXX then told me that I could apply for a higher loan amount. Which I rejected XXXX then didnt understand how I couldnt possibly assume this was a title loan. 
I told her I applied for a personal loan, i got approved for a personal loan and was never disclosed that this was a title loan. 
I told her I am not in the profession of personal loans, title loans or auto loans so I did not realize when they told me I was getting a personal loan that that meant a title loan. I told her XXXX asked for my assets and that is the only reason I gave my title of the car as proof that I owned something. 
PLease help me get my lien released as I am trying to sell this car and have a buyer willing to pay {$5000.00} today.
This is a reoccurring problem with XXXX and Transunion allowing a Company named XXXX XXXX to every year update this collections account as current and partially paid on my credit reporting. They are reporting it wrong and against the fair credit reporting act. 
This account started in XX/XX/XXXX when I vacated an apartment and they agreed to take partial payment. They put it on my credit for paid less than full balance. I listed them on my bankruptcy as a debtor in XX/XX/XXXX. On XX/XX/XXXX, the United States Bankruptcy Court, XXXX   District of Oklahoma discharged my debts. XXXX XXXX XXXX is listed as a discharged debtor. I filed a dispute with XXXX. Yet, they allowed XXXX XXXX to continue to report this as an unpaid partial collection. In fact XXXX XXXX is showing they added it again XX/XX/XXXX as a partially paid collection with a note, Consumer disputes this account. This company needs investigated for continually going against the Federal Law and Federal Bankruptcy laws and needs fined so they won't continue to do it. 
Also XXXX and Transunion need fined for allowing it to be falsely reported on my credit report. I recently was issued a credit card for 24 % from XXXX XXXX because of this lowering my score and showing as current debt instead of included in Bankruptcy.
I received a letter from a debt collector on XX/XX/XXXX and I sent them a debt validation letter in return.
I have used car Gateway One Lending & Finance company. Account number XXXX. And I am strangle with spelling my last name spelling and address. Calling again and again trying update my last name and address. Please help me update my last and fierst name and address. Thanks. XXXX XXXX
I bought my home in XXXX from Gmac Since then it has been sold 2 times to home comings and nor XXXX.
My husband passed away, the loan is my loan only in my maiden name. Last year I noticed they had my load dated as a sign date of XXXX. I never went or signed a new on this home. I put XXXX down and they basil have me back at where I started. I should be only paying the loan no interest at this point. I asked for original loan document and they sent me a copy of a letter with my married name signed. I never signed unsee my marrieded name and I did not marry until XXXX  and they dated it XXXX.
I have been late each month to get to talk to someone because calling them Did not work!! I never refinanced I never pulled out any money on load. The goal was to mortgage free.
Now I have insurance damage to my home. My insurance has sent me checks for a lot of money. Spoke with Ocwen they said my load had to be up to date. I explained why the late fees. They said it has to be up to date. So I paid all late fees. Went to check my mortgage payment went through with all late fees pain. When I called they tried to say I owe another XXXX in late fee to put my money the money to fix my home that I have pain insurance on with the state farm from the first day I bought home. They also have never sent me a escrow overpay. As of XXXX my escrow has the full amount for my taxes yet they are charging me for it. They also changed the loan payment now Please help They are crocks and my home should not cause this much stress.
Name on account is XXXX XXXX Note that they sent has my married signature of XXXX
I disputed about 13 transactions on my account dating from XX/XX/XXXX through XX/XX/XXXX. For the total amount of {$5100.00}. The reason why i am disputing these charges is because the merchant failed to provide expected services, Services not rendered and inadequate customer service to resolve any issues. I had annitially filed my complaint back on XX/XX/XXXX. I had filed a dispute for all those charges. I was told to wait 7 /10 business days. I waited 10 and called and they stated that they were filed wrong. I was angry that they did not file the paperwork properly. I filed a new dispute and had to wait another 10days. It had seemed that every person who i spoke to during thus whole ordeal that i asked names of and phone numbers all had a different story to tell but nobody had the information correct. After almost a month of filing paperwork they are still not providing me with sufficient evidence in regurds to my dispute. I have cought them in lies and deceptive behaviour a number of times.
I believe the company to be a scam, and trying to get money out of me. Contacted me on a " XXXX year old debt '' that I 've never heard of until now.
On XXXX XXXX, 2017, my account was paid in full to XXXX XXXX ( City of XXXX ) and I was told by an associate that the collection will be deleted from all 3 credit bureau reports once paid in full. Experian deleted the collection the next day. Now, the collection is back on my report and I was not given the 5 day notice required by law before a collection is reinserted under the same name. Also, on XX/XX/XXXX, I received a voicemail from XXXX from the City of XXXX stating to give her a call back. She claimed in the response that we spoke and resolved the issue but Ive not spoken with her at all. I received the voicemail well after the collection was deleted, not before. So she lied.
Collection agency harassing me and filing fraudulent information to credit bureau for monies owed to an apartment complex I never lived at. 

I have provided them with proof of my correct residency during the time in question as well as the XXXX XXXX XXXX police report number where I filed a complaint for identity theft. 

They have not contacted me since I supplied the police report number but continue to post negative filings with credit bureau.
I obtained copies of my credit reports and I also had my credit report pulled by a mortgage company and to my surprise there was a big difference in my credit scores. I looked over the credit reports and noticed that Sam 's Club cards, though opened in XX/XX/XXXX, they were not reported to the credit bureaus until XX/XX/XXXX. 

One Sam 's account was only reported to XXXX and XXXX. Never reported to XXXX. This same account which was opened in XX/XX/XXXX, was never reported to the credit bureaus until XX/XX/XXXX,  which is almost 2 years of good payment history which was never taken into consideration into my credit score as it was never reported by XXXX XXXX/ Sam 's Club . 

The other account with Sam 's was opened the same month and year, XX/XX/XXXX, which is being reported to all 3 credit burueas but the dilemma is this : though the account was opened XX/XX/XXXX, they did n't start reporting the account to the credit bureaus until XX/XX/XXXX. This a a whopping 6 years of good payment history that is not calculated into my credit score, meaning my credit score could be hight if those years of payment history would have been reported. I have paid higher interest rates, been denied credit due to them not reporting ALL of my timely payment history, which is truly not right! 

The last account is reporting to all 3 bureaus, also opened in XX/XX/XXXX again but not reported until XX/XX/XXXX. 

I have contacted XXXX XXXX and spoke with representatives and a supervisor by the name of XXXX, who have tried to refer me to the credit bureaus, and have told me it is at their discretion as to when they report an account to the credit bureau. They offered for a complaint to be filed which would take up to 60 days, however I have applied for a mortgage and this inconsistancy and failure to report all information has caused me to be denied, as factoring this information in will afford for an increase in my score and an approval.
I have been working with XXXX since XX/XX/XXXX to fined a workable solution for a balloon Heloc that has no repayment terms other than the Balloon payment XXXX has refused to work with me. In XX/XX/XXXX I filed a complaint to CFPB about this loan in the XXXX response XXXX stated they will review my situation in 60 days they did not. They STILL have offered zero solution other than for me to pay them XXXX immediately. In addition they do not have not a a single point of contact with me this is a violation of the CFBP settlement. For example of the last XXXX single point apoitment I have had with them my rep was only there for 1. I have had different reps call me most of whom I can not understand because of poor English skills, in addition they have made very many edited notes to my account so the substitute point of contact in unable to help me. Also-they have told me they can not help me only the investor can as they are not the bank yet the investor ( Citizens Financial ) stated that it is up to XXXX as they are the servicer and it would be '' unfair '' to their other customers to help me- in addition I have left XXXX different messages with the Ombudsman at XXXX who answered my original complaint with CFPB, she will not return my calls even though she has stated for me to call her with any questions. I need some type of solution XXXX last week told me to apply for another modification however both my self and with the help of a hud loan counsler I have applied 3 times to XXXX to be turned down I told XXXX nothing has changed so they said I will be turned down but I should apply anyway, I do not understand why they would want me to apply if im going to be turned down, its very apparent that this is a pre scripted response delivered by incompetent call reps. Obviously from the many similar complaints about XXXX to the CFBP this is pattern of unethical behavior. I want a solution Immediately XXXX agreed to help home owners in the settlement with my CFBP I demand that they comply.
Hello I sold my XXXX gift card that was worth XXXX dollars to XXXX. They offered XXXX for it and I accepted. 
I did this online XX/XX/XXXX. To date no word from them it just says pending. Its been 9 days of me waiting. So my gift card is useless now and they refuse to communicate with me. 
They have my bank account information too and now Im worried. They took that gift card and now Im ignored. 
Thank you
GM card, I could not log onto the GM card website to pay my monthly bill, due to a new verification process. I realized I could not find the card. On XX/XX/XXXX, I called customer service to request a new card and pay the bill. I was inform by GM Card ( Capital One ) would not re-issue the card until the account was current. I paid by check over the phone and informed I would have to call customer service back in a few days, after the check was processed. I called back on XX/XX/XXXX and requested a replacement GM card and reported my card lost. At that time I was informed that I would receive the card in 4 days. On XX/XX/XXXX I recieved a Capital One XXXX card. When I called Capital One and spoke to XXXX the supervision, ID # XXXX. She told me a new GM card had been issued but not sent, because my payment had lapsed. I informed XXXX, I do n't receive a paper statement and ca n't log on my account because of the new verification that requires that I enter the security code on the back of the card, which they will not send me.
I had a CapitalOne 360 checking account which I used for withdrawing cash for foreign travels. This checking account was used purely for that propose ; I would deposit funds occasionally on a needed basis. Several months ago, I phoned in the rep told me that if I open a savings account and deposit {$50000.00} and I would get {$500.00} bonus. I remembered that I was told that the funds need to come from an external source and I am certain that I was told specifically that the funds needs to be deposited to the new account directly ( otherwise I would definitely do that since the sole reason for me to open the savings account was the bonus ). I had direct deposit linked with my primary bank and so I transferred the fund to CaptialOne 360 checking account and then to the savings account. This to me followed the requirements called for the bonus. But now, Capital insisted that because the fund did not deposit directly to the savings account, it does not qualify. I have tried to reason with a supervisor as well as through their customer satisfaction department ; both declined to honor their original offer, citing that it does not meet the requirement. I felt this is an un-ethical practice they designed to scam the consumer. They provided no written statement ( paper or email ) about the requirement and simply mentioned it vaguely over the phone. Then their plan to decline any of such promise since most consumer will likely not qualify. I would like to see the payout vs declined ratio and see if they actually tried to game this. To me, the bonus is one thing but I felt this bank has no integrity. I would appreciate if appreciate action be taken and stop CapitalOne from any further fraudulent activity.
1. Tek Collect is attempting to collect a consumer type debt allegedly owed by Plaintiff to XXXX XXXX XXXX XXXX with account number XXXX in the amount of {$530.00} ( the " Debt '' ). 
2. Sometime around XXXX XXXX, 2016, Tek Collect sent me a letter attempting to collect the alleged Debt. 
3. On or about XXXX XXXX, 2016, I sent a letter to Tek Collect requesting validation of the alleged Debt. In this letter, I stated that I paid the alleged debt in full. 
4. On XXXX XXXX, 2016 or about XXXX XXXX, 2016, I sent a letter to Tek Collect requesting that it cease and desist communication from with me since they were repeatedly calling me at work and did not comply with my verbal request to not call me at work. 
5. On or about XXXX XXXX, 2016, I obtained my XXXX credit file and noticed that Tek Collect reported the alleged Debt in the amount of {$530.00}. This stated that the date opened was XXXX XXXX, 2016, which is also false as I was first contacted by Defendant prior to XXXX XXXX, 2016. Further, Tek Collect did not flag the alleged Debt as disputed, in violation of the FDCPA. 
6. On or about XXXX XXXX, 2016, I obtained another XXXX credit file which again showed that Tek Collect reported an inaccurate balance of {$530.00}, an inaccurate opened date of XXXX XXXX, 2016 and it did not flag the account as in dispute.
I participated in the Student loan rehabilitation program due to my student loan ( s ) being in default. I made the necessary 9 payments successfully and was never late paying. I completed the program which brought my loans out of default and any late payments would be removed. The late payments are still showing on my credit report for all three bureaus. I have disputed multiple time without any success. They refuse to update my payment history and their response is they verified with the one who furnished my loan. I know that to not be correct because XXXX was the one handling my defaulted loan and I have the letter from them informing me that I successfully completed my rehabilitation. The credit bureaus did not investigate this information and they listed a generic statement XXXX and XXXX list the name as XXXX/XXXX and Equifax list the name as XXXX/XXXX. This is very frustrating because it is preventing me from obtaining the loan needed to purchase my home.
I have a XXXX store card from XXXX XXXX   that has been closed about 6 weeks ago which I have no problem with but a multiple payments were made by mistake on this card and it now has a negative balance of {$29000.00} that XXXX XXXX owes me. 

I contacted the customer service several times and was told that the check was mailed every time. But after not receiving the check I called once again and after insisting I was told that my account was being reviewed by an account specialist. When I contacted the account specialist I was told that it would take a month for me to receive my funds back but here I am 6 weeks after my account closed and my money is still being kept by XXXX XXXX. 

Latest statement from XXXX XXXX has been attached. It is clearly showing the amount I am owed.
The date it all started was XX/XX/2017. Amount in question is {$13000.00}. It all started when Specialized Loan Servicing LLC ( SLS ), volunteered and paid {$13.00}, XXXX to XXXX XXXX XXXX XXXX XXXX XXXX, in a disputed matter I had with them. Afterwards SLS placed the amount into my escrow account and increased my mortgage to {$1300.00} from the {$330.00} per month, I have a modification through the Home Affordable Modification Program ( HAMP ). I have tried to work it out with them, but have reached the end with them starting foreclosure. I never signed any loan agreement for the amount in dispute. I have not missed a mortgage payment in over 13 years prior to this matter happening.