WillisBack/dataset-financial-user-claim huggingface dataset:
I applied for a mortgage with Bank of America on XXXX XXXX. When I contacted XXXX XXXX that day he bragged about BofA 's on time closing rate and said they would be able to close on our new home XXXX XXXX. He ran # 's and asked for me to send him required documents. He said we were approved to buy the new house and then sell our home 3 days later. Every conversation with the man he assured me we were good to go for XXXX XXXX. We spoke XXXX and he assured me we were on track. Myself and my real estate agent called/emailed repeatedly the next week asking if he had received the title. Friday, XXXX XXXX he finally gets back with me to tell us he had been out of the office at a funeral and did not have the title. There was no email kickback during his absence saying he was out of the office and to contact someone else or an updated voicemail saying to call someone else. So not only could we not close on the XXXX of XXXX because he did n't have someone working on our file while he was he out, but he had n't done the math correctly ( or contacted someone who could do the math correctly ) and we would have to close on our current house XXXX before closing on the new property. The math should have been done when we applied for the loan and we should of been told up front. We were pre-approved for a non-contingent loan by multiple other lenders. So instead of renting a truck for a day for {$100.00} and having the weekend to move and clear out the old house, we would have to get a POD for {$1000.00}. We reluctantly changed the closing to a dual closing on XXXX XXXX. We received the final disclosure on XXXX/XXXX/15 and I found errors. There was no {$500.00} for failure to close on time as promised by BofA, no {$200.00} for being a preferred rewards BofA member and XXXX had forgotten to add {$500.00} from the seller for repairs. I immediately called XXXX XXXX, XXXX manager, and she put me in contact with XXXX XXXX. XXXX did not get back to me until the evening of XXXX/XXXX/15 and at that point we were faced with XXXX choices. Close on time and lose out on the {$500.00} for repairs agreed upon in our contract with the seller or delay the closing and be homeless for XXXX. She asked if either was acceptable and I told her no. She said she 'd contact her manager and get back to me the morning of XXXX. I have yet to hear anything. So we have lost {$2100.00} because of XXXX XXXX and XXXX XXXX inability to do their job effectively.
I had requested a new debit card from Wells Fargo. They sent it to me in the mail on XX/XX/XXXX. I never received it in the mail. 

On XX/XX/XXXX, I logged onto my online banking. This is when I noticed that I had transactions that were not approved by me. I immediately went into Wells Fargo bank and spoke to a banker to help me claim the fraudulent charges. 

On XX/XX/XXXX, I received a letter from Wells Fargo that they have looked into the claim, decided that all the charges were made using my card and a Personal Identification Number ( Pin ), therefore they will be closing the case without any refunds. 

I was stolen {$2100.00} from and none of it was refunded. 

I have an XXXX and the criminal purchased a XXXX phone, XXXX  rides, XXXX tokens, XXXX XXXX XXXX charges, XXXX ( travel ) charges, and even called a prisoner in jail. 

When I went to the Wells Fargo branch on XX/XX/XXXX, I requested a new card be mailed and immediately installed a lock on my mailbox at home. 

They sent me a new card and I activated it on XX/XX/XXXX. In order to do that, I had to go on the website and use my birthdate or my last four of social security number to activate it. No PIN was needed. The thief could have done this by looking at my other mail items.
I applied for this card XX/XX/XXXX. When I applied I screenshot the offer. It was for XXXX points after spending $ XXXX. In XX/XX/XXXX I received a {$200.00} credit and XXXX points. I didn't know what it was, but assumed it was part of my offer and the rest would come later as they tell you wait 6-8 weeks for processing. I waited until XX/XX/XXXX to contact Chase in an attempt to give the rewards time. I was 1st told the offer was NOT valid when I signed up. Then I was told that because I applied while l was booking, that I was offered the XXXX points and {$200.00} credit. I have NEVER seen this offer in my life!!! And today when I called they told me that since I waited 90 days after signing up that I can't get the points. They tell you to allow time for processing, so that's what I did. They being Chase.com. My 90 days would have been app. XX/XX/XXXX. I have reviewed multiple reviews online of Chase doing this!! I think their practices are very deceptive and they should have ONE offer at a time if they are going to do things like this! I would have never signed up for an offer of XXXX points when offers are posted with more points OFTEN!! I don't want {$200.00} in credit, nor XXXX miles. I want the XXXX miles I signed up for! My screenshot wasn't enough for them, of course. There are multiple websites that show the offer when I applied. If it has happened to other customers, this is a pattern. I have read where people have complained with the CFPB before to no avail. But I felt I still had to try, because this is unacceptable!! I can go to their website today and that's not the offer! Even though that means nothing. I have messages from them stating the offer was only valid XX/XX/XXXX and XX/XX/XXXX. All of the different reasons they gave have lead me to believe this happens often with them and they are used to deflecting. I have the dated screenshot of when I applied but not sure if that'll work. 

These are just a few sites that track these deals. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XX/XX/XXXX Attempted contact via employer XX/XX/XXXX Call and informed not to contact at work that it is not permitted by employer to receive personal and other non-work related calls XX/XX/XXXX Attempted contact via employer despite instruction not to contact me at work
I have a previous issue with XXXX XXXX, Experian, and XXXX. There has been several issues with this account. XXXX does not own this account I have contact the corporate office of accounts, there was no account found to update. Somewhere there is a disconnect in information and communication. I am failing to understand how there can be an updated on an account when XXXX is claiming they do not have the account in their office. I do not believe that XXXX XXXX, Experian and XXXX have actually done any type of simple or detail investigation. I have asked to have the status deleted from my profile deleted not updated with a bogus balance adjustment. This account need to be deleted until further noticed and proper noticed can be account for.
On my XX/XX/2018 statement there were 4 fraud transactions for a total of {$1500.00}. On receipt of the statement, I immediately called in and was told that I had to call the vendors for the transactions. XXXX XXXX and XXXX  XXXX. XXXX stated this was a known fraud already under investigation. XXXX XXXX said I needed to call Citi bank. I called Citibank and was told this would be resolved and noted the fraud. 

A replacement card was issued and sent via XXXX. Yesterday XX/XX/2018, I received a notice for past due impacting my credit. I then did the called and was told it was handled. No resolution. 

Today, XX/XX/2018, I then did the online dispute for the second time on the remaining transactions. Finally, got an automated response delaying payment for FRAUD transactions. 

Taking more than 45 days to clear fraud which were reported immediately and compounding with interest is unacceptable. This card was in a drawer and I have never used it.
Hi, I disputed the collections account that XXXX California sent to USCB America, XXXX XXXX, CA. 

To no avail. 

I have tried to get information on the collections account from USCB America, over many months, including trying to pay it in full as it is negatively impacting my credit, also right to work and lending underwriting, this company appears to be corrupt. Never have I dealt with a collections company that does n't do everything possible to take your payment. This behavior tells me, they want to keep you in collections limbo so they can increase their fees on the debt amount. 

They ca n't find my account They ca n't find my account number, even with my SSN, full name, address, etc. 
They ca n't transfer me properly They transfer me to people who do n't handle collections They do n't have the expertise to handle my inquiry They do n't speak with comprehension They hang up if you raise your voice out of frustration I want this debt discharged from all credit reporting agencies immediately,
Synchrony Bank from Amazon has been calling me repeatedly throughout the day in attempt to collect debt. I have already set up incremental payments to them for the debt I owe. I pay them through electronic check. They continually call me from what shows up as " unknown '' constantly through the day AND they call me while I am at work. I told them if they do n't stop, I will report them. These constant calls have not stopped.
Asked XXXX Chase credit card company to change date of payment for bill to show up with all my other bills. They said they would do so. Subsequently, I missed timely payment by one day. They had not made the change they said they would. Ask for a refund of late fee + interest. They absolutely will not provide me with a credit. I paid my bill in full minus the penalties + interest and card was canceled plus my points voided. Asked again for balance to be zeroed out. They not only will not do so but they have been incredibly and consistently rude and insulting. I have called XXXX. They will not do anything. They ( Chase Bank USA NA ) are now compounding the penalties and interest. They truly seem to enjoy telling me " there is nothing we can do '' and seem in utter delight to belittle and insult me. ( " You have been previously been informed of our rules, have n't you? '' " I know you 've been refused on this before.. '' for example. ) I do n't understand why they are so interested in generating ill will. I do n't understand this commitment to punish and humiliate a formerly good customer. I would like to hereby issue a formal complaint.
On or about Sunday, XX/XX/2018 I lost my wallet. It was left in a car that I rode in. I got my wallet back in my possession on or about XX/XX/2018. I notified my bank that I had some charges on my account that I do not recognize. Two from XXXX on my USAA account and one on my XXXX XXXX card. This total from XXXX on my USAA account was {$580.00}. USAA denied the claim and stated I made the transactions. I immediately filed a police report and sent it to them to reevaluate the claim. I called today, Thursday, XX/XX/2018 to get a update and I was told they are sticking with the decision and I am to be held liable for the changes.
Cash net usa is not charging me on my payment dates they are doing it before and I 'm being charged overdraft fees each time and I have called them several times about it
I am a homeowner who is currently recovering from a XXXX and I have been off work for the past 6 months. I received payments from earned leave and advanced leave from my employer. In XX/XX/2015, my leave reserves were depleted. I still required recovery time, and I was placed on FMLA without pay. I have been unable to pay on my Bank of America mortgage since XX/XX/2015. To date, I have missed XX/XX/2015, XX/XX/2015 and XX/XX/2015 payments. I contacted Bank of America as soon as possible to inform them of my current financial and medical status. I was informed by them to file for the Keep Your Home Program and they can offer {$3000.00} per month toward my mortgage and provide temporary assistance with some utilities as well. I applied with the Keep Your Home California program and I was conditionally approved XX/XX/2015. The KYHC program indicated in the notice that my loan servicer Bank of America must agree to a Loan Modification in order for me to get help. Bank Of America sent me a notice in XX/XX/XXXX stating that I they would be reviewing my account for the Hardest Hit program. Then on XXXX/XXXX/2015, I received a call from Bank of America and spoke to an Agent by the name of XXXX. XXXX stated to me that I have until XXXX/XXXX/2015 to pay {$7.00}, XXXX or they will be issuing a Letter of Intent to foreclose on my home. 
I know that I am behind on my mortgage, and I have been trying to return to work, and hope to return to work soon. However, I am suppose to be in a work-out stage with my loan servicer and I should not be threatened with foreclosure while I am in a work-out stage. 
Additionally, I do n't understand how they think that I can come up with {$7800.00} by XXXX/XXXX/2015 when I am currently XXXX and not working. I had to deal with Bank of America Representatives before, and I have had them laugh in the background, make fun of me, belittle me and try to shame me because of my circumstances. People like me and Homeowners like me need real help and real solutions, and we do n't need people trying to cause more heartache and problems in our lives. We are people too. I am hoping to get back to work soon so that I may be able to continue being a productive citizen in society. 
Bank of America is deliberately, willfully and intentionally trying to sabotage me and keep me from getting the help that I need so they can foreclose on my home. 
I have invested a lot of money into my home, and I want to keep my home. But Bank of America and it 's representatives are giving me the wrong information. I had XXXX from Bank of America tell me that she was giving me a number to the Hardest Hit Program, but she gave me a number to the KYHC program. When I informed her of this, she just non
My Bank of America credit card account was closed without prior notification/warning. I tried to use my card on Thursday, XXXX XXXX, 2015 and it was declined. I called Bank of America customer service, waited 38 minutes, and was transferred 4 times. The last person I spoke to proceeded to tell me that they were missing some information in regards to my citizenship, that they sent out a letter requesting this information and received no response, therefore my account was closed. I never received a letter, an email, a single phone call from the bank requesting this information. I had recently requested a credit line increase which was approved, about a couple of weeks prior to this. All of my payments have been made on time during these last ten years, and my balance was about 10 % of my credit limit. 
The solution offered was to re-run my credit to reinstate my account - which I declined since I never requested my account to be closed.
I left a business in which I was the Guarantor on several accounts. One account being a XXXX XXXX credit card. Per legal contract with the business I was leaving they were to remove me as guarantor from all accounts and assume all prior debt and future debt. This was in XX/XX/XXXX. 

In XX/XX/XXXX I found out that they were still using my personal guarantee and had made no attempt to remove me. This was a fraudulent use of my credit. I closed the accounts immediately I hired an attorney and began a law suit which resulted in an out of court settlement agreement. It was too late to fix any credit issues that came up. qn attorney who did not understand that I needed to expedite the process before my credit was trashed. 

I am an account holder with Experian credit reporting as my FICO Score is normally between XXXX and XXXX on average. On XX/XX/XXXX my score dropped from XXXX to XXXX ( 200 Points ) and XXXX XXXX  XXXX credit card services reported two months of missed payments. 

I believe I had the right to be notified of any changes prior to my score being changed and notifications of any payments in default. If they sent that to the company I no longer owned of it was not forwarded to me by mail or email. 

XXXX had my SS # and could have found my home address at any time. 

Now under the settlement agreement I managed to get the account paid in full within a week but after two months of missing payments by the company. XXXX did remove the non payment info but not the business address. However, they only restored 132 points to my FICO credit score making my normally excellent credit score just good. 

I noted another address that looks like a typo to my home address. Have to fx that also and was placed on the report by XXXX 
. 
I placed a Fraud alert on my accounts and Experian used the words military service. I am XXXX years old and have no reason to join the military. I am now forced to explain by letter to correct that. They cant explain or fix it by phone. I guess i many now be in the military under XXXX XXXX. 

MY issue is that my credit was used fraudulently. I have hired a firm called XXXX XXXX to go through my credit reports and have them fixed and have provided all legal documents.. 

The one big no answer that a have received from everyone so far is why cant I get my full FiCO credit points restored. Am I the only one to ask? Experian said it was a computer-generated decision, so now according to the computer I am not good enough to have excellent credit only good credit.But I can fix that over time they said. I have already spent 32 years keeping excellent credit scores but that does not count. 

So does anyone know how to restore Fico Points removed from an account by fraudulent use. I could sue XXXX XXXX and waste more money but there should be a way to dispute the point Reduction in cases of fraud.
I made a purchase on XXXX/XXXX/XXXX for {$1500.00} worth of bitcoins. XXXX XXXX XXXX. 
The estimated arrival day that was provided was on XXXX/XXXX/XXXX. It is now XXXX/XXXX/XXXX and I have yet to receive any of the bitcoins I purchased even though the bank transfer was completed. 
I called the company and was on hold for more than 2hr before getting to speak to a representative. In the middle of our conversation the call was drop and I was unable to receive any assistance. I later received on email from the company support, where I provided all the information for them to correct the issue, but as of now nothing has changed. 
All in all it 's been almost a month and I have yet to receive my bitcoins.
This student loan has been in deferment and in forbearance until XX/XX/2017. The customer service representative said they made sure they back dated everything to reflect current as my other student loans because they all should show the same status. They are still reporting incorrectly and showing late payments.
TransUnion intentionally refuses to be in compliance with FCRA laws & more importantly Fair and Accurate Credit Transactions Act ( FACT Act ) of 2003 enacted by congress. 

On the onset, TransUnion, indicated there was a reinvestigation which signals an initial investigation was done. Results from that investigation were neither logged, rendered, nor provided to Ms. XXXX, in 30 days and or til date, despite Ms. XXXX repeated requests. Second, Ms. XXXX requested TransUnion to provide the method of accuracy & verification used by TransUnion pursuant to FCRA 611et.seq. and or 611 ( 5 ) ( A ) ; and TransUnion remains non-compliance till date. Third, Ms. XXXX requested TransUnion to provide a court order judgment showing that named Creditors listed was the injured party and or an order of this allege debts with a judicial signature with circuit/district 's stamped seal regarding account # s listed for Creditors. Thus proving its legal accuracy & verification of this allege debt belonging to Ms. XXXX. Hence, TransUnion again went silent. 

In fact TransUnions only provision has been a computer generated rubber stamped answer to wit ; ( " the customer disagrees '' etc. ). Furthermore, Ms. XXXX didn't ask for TransUnion to speak on her behalf for her or through her nor did she send TransUnion a XXXX word statement expressing explicitly HER disagreement to be added onto her credit file opposed to Demanding TransUnion to remove an inaccurate, unverifiable, and unsubstantiated record pursuant to 609 et. seq. immediately for failure to produce a legal verification of the allege debt. 

TransUnion now gives the mere appearance of impropriety by violating Ms. XXXX privacy rights as a PRIVATE CITIZEN along with engaging in unfair and deceptive business practices. ( UDPA ) Notwithstanding TransUnion 's willfulness to violate FCRA laws, Fed. & State 's rules, opinions, codes, statutes and erode public policy consideration goes unprecedented. 


Whereby, Ms. XXXX is requesting through TransUnions general counsel to provide TransUnion 's insurance carrier 's information.
On XXXX XXXX, 2016 I submitted an electronic withdraw payment from my XXXX account to pay my mortgage with Ocwen Loans. On XXXX XXXX, 2016 I received an email, on my bank statement, and electronic withdraw statement from my bank that the funds were withdrawn from my account and sent to Ocwen. Ocwen reported to me that they did not receive the funds until XXXX XXXX, 2016, making it 30 days late. Because it has been 30 days late, it is now showing on all three of my credit report. I talked to XXXX XXXX an escalation department manager. I emailed him documents that showed that the funds were sent and paid on XXXX XXXX, 2016. He talked to his accounting department, they reported to him, and he reported to me on my voicemail that they can not remove the 30 days late from my credit report. I 'm not satisfied with their decision, and I want the 30 days late to be removed from my credit report. I showed proof that this payment was paid in full by the XXXX of XXXX.
Two loans 1- subsidised 1- unsubsidised Navient consolidated loans without my permission - verbal or written Since XX/XX/2010 all payments paying interest only!!! Four years of first double payments, then single payments paying consolidated loans without my permission. Contacted Navient many times. No resolution. I see online that thousands of complaints filed and several lawsuits class action underway. 

This is a nightmare!
I used my TD Bank credit card to purchase XXXX baseball jerseys. After receiving the first one, I realize that the website was a scam and they were not authentic as the website indicated. Additionally, the website would n't give me an address to return the item. I spent several hours arguing the issue with TD Bank and requested a refund through the dispute office. They claimed that I did not submit enough information even though I feel like I did. Also, TD Bank is now saying that they ca n't refund me because it has been too long since the purchase even though I notified them of the issue the day that I received the jerseys. The website that I made the purchase from has since been identified as one selling counterfeit items : XXXX I believe that TD Bank did a very poor job in representing me.
I applied for a loan through Rise, and was denied, which is fine. I checked my credit report and saw that my credit report was checked without my permission. When submitting an online application on their website, a notice was never generated, asking me to allow them to pull my credit report. As a consumer, it is my right to allow or deny a hard inquiry from a finance company. 

When i contacted RISE on the phone, the representative could not tell me where on the website it asks for permission to check my credit.
I believe that I am a victim of predatory lending. I have asked several times that my mortgage company Ditech who is servicing my loan for XXXX to provide me my original loan documentation to me for the last six months. As of today I have not received them. I found out last year that I have a 2nd mortgage that 's a thirty year interest only at 9 % for $ XXXX.This loan was originated in 2007. This is unheard of.