WillisBack/dataset-financial-user-claim huggingface dataset:
I purchased this used vehicle around XX/XX/XXXX. I asked if there were any recalls or problems with the history of this vehicle and was given a report saying there were no issues. In XX/XX/XXXX I was notified by XXXX that my vehicle was included in the XXXX Airbag Recall and needed to have both airbags repaired. I took the vehicle in and they supposedly repaired the driver side only. The parts for the passenger side were not available and was told I had to wait.  I contacted XXXX   asking about the status of the repair and was told the parts were still not ready and I just had to wait. I just received another notice from XXXX in XX/XX/XXXX saying the parts were still not available, would not be ready until XX/XX/XXXX, and not to allow anyone to sit in the passenger seat until they were repaired. I have been in contact with the local XXXX dealer, XXXX XXXX XXXX, and the lender wells fargo all during the week of XX/XX/XXXX, last communication was with wells fargo today, XX/XX/XXXX. All of them are refusing to help in any way with the situation. Wells Fargo previously denied a request for refinance! The airbags are dangerous and can cause serious injury and death and are not getting fixed nor will they. According to my research they do not have a permanent fix and will not know if they will ever have one resulting in the airbags not getting repaired properly and will still pose a threat of injury and death. The recalls will continue. I still have XXXX left on the loan and have been paying for a car that could kill me or my family. I cant even trade in this vehicle now because since it's on the recall list dealers cant sell it until they airbags are fixed. So both XXXX and wells fargo want me to keep and pay for a vehicle that now has lost even more value due to the recall and could ultimately kill someone! Attached is the letter from XXXX clearly stating the airbags can cause serious injury and death and notes taken from a class action lawsuit from an attorney!
I filed for bankruptcy in XX/XX/XXXX. All my accounts were handed over to a law firm. I checked my credit report in XX/XX/XXXX and  noticed that all my accounts have been closed and discharged except one from XXXX XXXX for {$1600.00} ( originally from XXXX ). I look up their phone number and call ( XXXX ) XXXX to get an account number so I could dispute since I have recieved nothing in writing prior. I speak to rep that transfers me after I provided my social. The second rep proceeds to verify my identity and then tells me that they will not provide me with even an account number.
I filed a dispute a while back ( XX/XX/XXXX ), and another one before that ( XX/XX/XXXX ), regarding a hard enquiry ( XXXX XXXX ), that was place don my CR and I did not authorize a credit application to be submitted in my name with XXXX XXXX. I filed a complaint with XXXX XXXX, and with Equifax, and with CFPB, and nothing has been done to have the unauthorized enquiry removed from my credit report. I received a letter to date, dated XX/XX/XXXX, from Equifax showing no changes were made ( no explanation given ), and I received a letter from XXXX XXXX Dated XX/XX/XXXX stating that Equifax had been requested to remove the enquiry from my report, by the creditor, and that it would take 4-6 weeks to do so, but Equifax has not removed the enquiry, and XXXX XXXX states in the letter that it does not control the conduct of the credit bureau in removal of the enquiry, so apparently it is Equifax not removing it. I want it removed as it has lowered my credit score and will be on the credit report until XXXX of XX/XX/XXXXif it is n't removed. I have included a letter from XXXX XXXX, as well as an updated letter from Equifax that shows nothing has been done in accordance with XXXX XXXX request to remove unauthorized hard enquiry from my credit report, as it has lowered my FICO score as a result. Why do I have to continually ask that my request be honored? I have been trying to get Equifax to remove the item in questions for some time now. I 'm fixing to file suit in Federal court against all those responsible for not doing what is suppose to be done regarding this issue.
I have been an customer of Coinbase.com for the past year. I wire transferred numerous times back into my bank account. In this most recent one on XXXX XXXX, 2017 at XXXX XXXX the funds of {$1000.00} never entered my bank account. I gave them a week and called Coinbase. They said that it went through, contact your bank. I contacted XXXX XXXX and they told me their wire transfer department does n't see the bank wire on their end, and to get them a federal reference number. I then contacted Coinbase again to ask them for the Federal reference number for my bank wire and they replied, " we have moved your issue to a specialist, and moved to top priority. '' Now a month later i called back for a fourth time regarding the disappearance of my money, and they hung up on me. Their company is so backed up with calls that when you call them it says to call again later. I have also reached out to them via email. I have no idea if they even got to my problem.
XXXX XXXX XXXX reported fraud to my report on chexsystems a few yrs ago. When I found out last summer XX/XX/XXXX I called XXXX and they stated that they never reported i had fraud and that my account I had with them was closed because it had a negative balance. I then contacted chexsystems to remove the fraud report and they said they would investigate. 30 days later i recieved a mailer stating they needed more time and I have not heard from them since. 
The night of XX/XX/XXXX I tried to open a debit account with XXXX XXXX and I was denied because of fraud with Chexsystems. So they obviously never investigated nor removed the fraud defamation.
I visited the XXXX location XXXX XXXX XXXX, ( XXXX ) XXXX at in XX/XX/XXXX after verifying that they accepted my insurance. At each visit I provided my ID card showing proof of dental coverage. The company only submitted one claim for services provided. My copay for services was 20 %. Per my HSA records I have met this payment amount ( excluding the over priced toothbrush and fluoride rinse I purchased from them ). I confirmed the billing codes with my dental provider. I made payments for services at the time of my visits. The practice neglected to timely file claims with my dental provider and have submitted my information to 2 collection agencies. I have been threatened to have adverse information reported on my credit. I do n't mind paying what I actually owe. I knew the services would not be free of charge. And I received good service from the dental staff. But I do not think that I should be liable for the practice poorly handling their claim processes. Instead of billing me the 20 % they are attempting to bill me for 100 % of the charges incurred. I am attaching a copy of the letter I sent to the practice and the collectors to explaining the issue. I was first approached by XXXX. XXXX, XXXX XXXX XXXX on behalf of XXXX. Their letter gave me 30 days to respond in writing. After responding I received 2 phone calls. When I was able to return their call, I did not receive a call back. Later, I received a letter from a different collector ; Central Credit Services, LLC, XXXX, XXXX XXXX. XXXX. I am writing them a letter on the same day that I am submitting this complaint. I will also respond to a letter I received from XXXX dated XX/XX/XXXX. Contact : XXXX., Patient Satisfaction XXXX xXXXX ; XXXX, XXXX XXXX. Thank you.
I purchased a XXXX XXXX at lease end in XX/XX/XXXX, using a loan from credit union. My town has a property tax on cars that is billed after the fiscal year is over. The tax bill goes to the listed owner, which in this case was XXXX XXXX XXXX. I received a letter dated XX/XX/XXXX from XXXX XXXX XXXX that {$250.00} had been paid on my behalf for property tax and the amount was added to my account. I therefore sent a check via my online banking to XXXX XXXX XXXX c/o Chase with the same account information that I had used to pay lease payments. This check was returned as the account was reported as paid in full. 

I have tried calling XXXX on two occasions and have spoken with 4 different service representatives, none of whom could help me. They eventually referred to an agent named XXXX at XXXX XXXX. I have contacted her twice and was sent to voicemail both times and have not heard back. It appears Chase has sent this to collections, but I can't get a clear answer. I can not get anyone on the phone to send me a bill in writing to clarify what I owe or to whom nor how to pay it.
On XX/XX/XXXX I viewed a report that Equifax had not protected consumer information and was victim to a cyber attack. Using the website XXXX I was informed that my information was subject in this attack. Equifax should not have allowed my information to be gathered as I will now be subject to identify fraud and identity crimes.
I received a collection notice from ERC dated   XXXX   XXXX   XXXX     for a  XXXX  account that is not mine. The collection notice is from  XXXX  account number  XXXX . I mailed ERC a debt validation on  XXXX   XXXX  requesting for them to tell me what I owe the bill for, how they calculated what I owe, to send me copies of any documentation that stated I agreed to pay what they say I owe, to give me copies containing my signature, their   XXXX   license number, and to cease all contact with me until they sent me the above documentation. I disputed the validity of this debt and still have not received any information from ERC regarding this account. ERC also contacted me on    XXXX   XXXX    after they received my letter stating for them to not contact me. According to FCRA  1692g ( b ) If the consumer notified the debt collector in writing within the 30 day period described in subsection ( a ) that the debt or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. ERC has not done this. ERC has violated the FCRA by not validating the debt as well as attempting to contact me by phone after receipt of my letter stating for them to cease contact unless provided with the information stated above.
Wells Fargo send me a letter, the reason I could not refinance my loan supposedly not enough assets. I do have enough money into my account to pay for settlement. I have try to reach out to XXXX XXXX XXXX XXXX what other options I have for refinancing my loan, no returned calls have been made. I have XXXX skip payment for this month, and the money that is in the bank is for settlement cost if they decide to settle with me.
I 've tried to work with speedy cash, however, due to the high interest rates and inability to pay the exact loan. I switched my bank account to cope with how to pay them on my own terms. Recently have had a call with them saying I can pay in XXXX but got default notice a few days later.
We wanted to make sure it was known that after a thorough search of options, we selected to apply for a VA Home Loan with XXXXXXXX XXXX XXXX XXXX. Everything sounded great, and there was absolutely no mention that the loan would be sold until we found it in the edocument disclosures to sign. Their online system actually scans past all of the disclosure information and sends you straight to the signature line. We had to scroll back up to read all of the information in the disclosures. ( Luckily, we did that because there were several errors. ) Needless to say, in the middle of all of the disclosures is when we found out the loan would be transferred. This is what we consider to be another shady practice of Stifel, and we think that the mortgage officer should have talked to us about the transfer up front. We should have known before we decided to lock in our rate and push forward with closing with Stifel that they would not hold our loan.
On XX/XX/XXXX at approximately XXXX I received a call from XXXX XXXX with advance collections bureau in regards to account XXXX creditor XXXX XXXX {$1700.00} I was very confused when I received his call I had no idea what he was taking about I asked XXXX to please provide documentation for what he was taking about he later sent me an email with a move out invoice a lease agreement from XXXX XXXX apartments after I review the information I recognize the account o signed 6 months lease for apartment number XXXX XXXX XXXX with XXXX XXXX apartments in XX/XX/XXXX. 2 weeks into the lease the apartment upstairs cought on fire and I was ask to move out because my apartment had water damage and the roof could collapse. Now a year later I receive a call from a collection agency claiming I have a past due balance with XXXX XXXX apartments for apartment number XXXX please note I never signed a lease for apartment number XXXX. The lease I sign was for apartment number XXXX. Today XX/XX/XXXX I received another email from XXXX with a different amount of {$1000.00} but again no lease agreement for apartment number XXXX. He sent me a copy of the lease agreement for apartment XXXX where it shows clearly that someone changed the number XXXX to a XXXX. Please see images below.
XXXX continue to contact me every time they see a number change on my records. I am contuing to receive letters from XXXX XXXX XXXX to make a payment along with the letter it ays Due to the age of this debt, we will not sue you for it or report payment or non -payment of it to credit bureau. 
I was threaten by an associate name XXXX that she will go into my bank account. XXXX XXXX to harass me so much in calls til I started getting XXXX and XXXX. XXXX XXXX will yell at you constantly agrue with you and if you hang up the phone they will continue to call you back by phone. I ask them not to contact me they continue to do so my number has been change I applied for credit XXXX 2016 I did not give my number to XXXX the associates lie about when they purchase the collection. XXXX XXXX has been harassing me for over 8 years XXXX XXXX contacted harasssng me as of now. XXXX XXXX is not listed on my credit reports But I am still receiving data that XXXX XXXX is still acquiring to all my credit report bureaus, after being deleted from all XXXX credit reports and still demanding payments from me. I sent a cease and desist letter.
Hello, I had my installment loans and late payments deleted by the XXXX XXXX  XXXX XXXX and now my account Is in forbearance. XXXX deleted the XXXX XXXX XXXX   off my report due to the fair credit act. Equafax deleted the XXXX XXXX XXXX off my credit also but now there back on there. I have no current balance open with the XXXX XXXX XXXX nor do i have late payments open because my account is in forbearance. I will submit proof of every thing
this company has been sending me several emails threatening to take me to court. The company at first starting stating they were   XXXX   XXXX   XXXX   then they stated they were  XXXX   XXXX  and now they are stating they are  LVNV f unding. This company is impersonating different companies per their emails. I do not have a contract with LVNV Funding or do I have a contract with  XXXX . This company has not sent me any validating legal contract with my valid signature that I agreed to do business with them. this company is now showing on my credit report hindering me from establishing credit.
Wellsfargo online has been down, and not accessible since yesterday ( XX/XX/2019 ). I have been unable to conduct banking business. I have a debit, savings, and credit card through wellsfargo, so this is a considerable inconvenience.
XXXX XXXX, XXXX : Initially, had pulled a cash advance of {$2500.00} amount from a physical branch location. The next day made the exact payment of {$2500.00} to clear the cash advance after not needing it. 

XXXX XXXX, XXXX : Reached out to Wells Fargo over the phone, was told they would issue a check then I would have to physically go into a branch, make the {$2500.00} payment and tell them I wanted to pay off the cash advance. 

XXXX XXXX, XXXX : I had a banker sit down with me at a branch location after being told that the amount cant be applied directly to the cash advance, it would be split between two separate interest rates ( purchases and cash advance ). The representative on the phone advised me that I should still make the {$2500.00} payment in the branch, in addition I would make a {$7.00} payment and that would clear the cash advance amount. I did everything they had told me to do. 

XXXX XXXX, XXXX : I received my billing statement and the cash advance amount is still on my statement and I have reached out to Wells Fargo once again, to no resolve. A supervisor told me they will reach out to me after I asked her to pull audio recordings of the representative that told me the cash advance would be cleared on my account with the payments made in the branch that day, however when I asked for her direct line she gave me an incorrect direct line phone number when I tried to contact her the next day to follow up and she has not contacted me. Im very disappointed in these banking practices by Wells Fargo they have told me to do all this running around to no avail and Im continuously lied too just to get me to go away and be another respresentatives problem.
I have spoken to Transunion multiple times in reference to unauthorized inquiries that are listed on my credit report. I spoke to a US Rep by the name of XXXX and she informed me she would be removing all unauthorized accounts from my report. Two months have passed, and nothing was deleted. I called Transunion again, spoke to a Rep named XXXX and he was rude and hung up on me when I questioned about the inquiries never being deleted. I am requesting that all inquiries that I have not authorized be deleted from my account. 

Inquiries are as followed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX  I am requesting these inquiries be removed from my account.
This account keeps leaching into my credit file on Trans Union XXXX Credit reporting data bases. It has been removed from my credit file once already under a different name and now reappears under a new collection agency name. 
This is not mine and I am really tired of all this drama.
Wells Fargo Home Mortgage left a message on a home answering machine. Stated this is Wells Fargo Home Mortgage and this a attempt to collect a debt and so on. This home answering machine is shared by other residents in the home. Message was heard by everyone in the house and was very upsetting. I also had guest in the house for dinner that day who overheard the message.
XXXX Behavior by BMO Harris Bank I called BMO Harris bank to inquire about the requirement for opening a new checking account. During the call I mentioned that I was a XXXX and not a citizen and the BMO Harris agent said they do not open account for people who are not US citizens. When I said that their requirements online did not say so, he said they can add their own requirements and why do I need to open an account with them anyways? 

Later I checked online again and on finding no such requirement on their website, did an application online. I have to say that I regret that decision. Not only they have XXXX attitudes, they are the worst bank I have ever encountered and are set up to gouge customers on fees. I was told that I have 2 months to get set up and meet the requirements to avoid the monthly account maintenance fees. I met the requirements and by XX/XX/XXXX had more than {$1000.00} required to waive the monthly fee. But they went ahead and charged me the {$12.00} fee on XX/XX/XXXX anyway. When I called to inquire about that, they tried to bait me into opening a credit card with them. When I said no to that, they said there is nothing they can do about that. When I asked for a supervisor, they said there is no one available as they are all in meetings ( on a Sunday ) and someone will call me in 24 hours. No one called me in 24 hours, so I had to call them again and they again refused to do anything about the fees. 

I request that you put this complaint so that others can see how dishonest and corrupt their practices are.
it started 9 months ago when both my wife and I both had fallen XXXX. My wife nearly XXXX and I almost had a XXXX We fell behind on payments lost XXXX our vehicles and now we started a loan modification in which Wells Fargo deinied after we went through hoops to complete and was never complete by their standards. But no forebearance was offered to me by Wells Fargo for my past VA home loan payments.
On XX/XX/2015 sent husband to cash income tax check. I was not present, so I signed and gave my husband my Drivers ' License. Check could not be cash because I was n't present, but could be deposit in the account and money available the next day. I felt the bank did not give my husband a good understanding about what would happen to our income tax check, and made him feel the check would need to be deposit in order to get the money. I also went to the bank after work and to find out what happen to the money to pay our bills at that moment. The bank told me there is nothing they can do, XXXX pick the check up at noon, and they do not have the check in front of them.The bank policy is to take your money, but have restrictions on how they disburse your money.I do n't have to be present to deposit the money, but present when they cash the tax check, and there are no documentation, or check scan on computer proof of check deposit.I feel I have been lied to and inconvenience.
Upon having my credit report run in order to qualify for a mortgage about one month ago, I was surprised to see an active, joint credit card account with my ex husband of 3.5 yrs. with no pmnts made in 90+ days. I called FNB Omaha ( creditor ) to request to be taken off acct due to my divorce in XX/XX/XXXX and my not being responsible for overdue balance whatsoever. On XX/XX/XXXX, FNB emailed me their required " request for one party to be removed from a joint acct '' form for both me and ex to sign and have notarized then mail ( I priority mailed instead ) back to them. I called FNB on XX/XX/XXXX to confirm receipt of form and the person I spoke with said that if I bring the acct current ( just over {$900.00} ), I would be removed from the acct! This was a surprise, but I quickly complied, making a {$1000.00} pmnt. FNB told me to wait until Mon., XX/XX/XXXX for my pmnt to post. So, I called XX/XX/XXXX and they confirmed it had indeed posted. I asked to be removed from acct asap and they said they'd have to have someone else call me back with that answer. I then proceeded with releasing a home inspector for {$320.00}, thinking I was in good standing to qualify for my mortgage. On XX/XX/XXXX, XXXX w/FNB called to inform me that I could not be removed because my ex 's credit score wasn't high enough. I explained what I'd been told on XX/XX/XXXX, so she put me on hold while she listened to that recorded conversation then proceeded to tell me she'd send my case to their President 's office for further review since I'd been given " mis-information '' that she indeed heard in that XX/XX/XXXX recorded conversation. Essentially, I was given misinformation on XX/XX/XXXX and XXXX herself confirmed that to me in my conversation with her. XXXX also asked that I email her my entire Divorce Decree that shows the effective date of XX/XX/XXXX. So, then I waited. 
I placed several calls to FNB seeking an answer and instead received delay after delay from no less than three FNB employees, with whom I'd have to repeat my entire story. My most recent call to them on XXXX ultimately yielded a final answer of " NO, I can not be removed from the acct '', despite my paying {$1000.00} under false pretenses. I in fact held up my end of their deal and FNB did not. I even mentioned " deceptive collection practices '' and that I brought the acct current under " false pretenses '', but they didn't seem to be phased or to care. I spent {$1000.00} in the expectation I'd be removed from the account, plus another {$320.00} to have a house that I now can not buy, inspected. FNB Omaha is misleading and more importantly, dishonest, and others need to  know.