WillisBack/dataset-financial-user-claim huggingface dataset:
Late last year I received an email offer from BBVACompass bank asking me " to come back ''. They offered me {$150.00} if I opened a checking account with them, made an initial deposit of {$50.00} or more, and had  XXXX  direct deposit of at least {$300.00} deposited into the account within 60 days of account opening. I tried opening the account online but the system directed me to go into a branch. I did that on  XXXX / XXXX / XXXX  and opened the account with the bran ch manager a nd deposited {$50.00}. A direct deposit of {$300.00} was made on  XXXX / XXXX / XXXX  from my employer and numerous calls and emails to them have resulted in multiple promises to deposit the {$150.00} into my account. Continuous run around and still nothing. It is impossible to speak to a representative that actually has the power to give me the money that I 'm owed. They are never " available ''. Early on in this process I phoned the  manager  who opened my account in my local branch, and he told me that he 'd heard from at least  XXXX  clients that are having the same problem. He told me that they were n't getting their cases resolved unless they had the original copy of the email sent to us by BBVA. I have a copy of that email and I 'm still not getting the money I 'm owed. This is known issue to the bank and yet they do nothing to fix it. Abysmal customer service. On a side note, I left the bank originally because they were highly inconvenient and had a poor online presence.     No business should be allowed to treat their customers in such a shabby way, at least without their being a public record of their behavior. I am seeing your help to get the money I 'm owed and log a complaint that hopefully encourages them to change their ways. Thank you in advance for your assistance with my claim.
I made an overpayment on my Chase credit card of XXXX on XXXX XXXX after a prior payment was made on XXXX XXXX. I contacted Chase on XXXX XXXX and let them know I would like that returned to my checking account and was asked for my routing number and account number to return the funds. When the funds never came on, on XXXX XXXX, I called backed and was told that a check was mailed on XXXX XXXX and that it would take 7 to 10 business days to receive and that the first customer service rep messed up and did not inform me that a transfer of funds to my account was not possible because I did not have a Chase bank account. I then asked if there was a way for them to send another check via XXXX or XXXX and they stated that the only option was to wait for the check or stop payment and issue a new check. I have waited for going on XXXX days from the original date of the overpayment and have not seen a check and have called and talked to chase at least XXXX times with no luck and continue to get no other option other than talking to a supervisor who states the same broken line that they can stop payment on a check which clearly was never sent and issue a new one and have me wait 7 to 10 business days to see if it arrives. This is clearly a frustrating very long process of waiting for funds that they have the authority to send via XXXX or EFT at anytime but chose to frustrate and anger customers rather than do the right thing. This policy is designed to hold on to other peoples money for an extended amount of time without any recourse what so ever. The Chase system is computerized and should not allow an overpayment for a large dollar amount without warning people that a payment is already pending as it will not allow the opposite, an underpayment of your minimum balance due. I would just like Chase to do the right thing and issue an expedited check that does not involve the long dreadful waiting game for a check that should clearly be sent and received in a timely fashion, or better yet, transfer the funds via EFT to my checking account as it is clearly possible for a Banking institution that is too big to fail and is supposed to be working for the people that bailed banks out in the financial crisis of 2008. Every single time I have called the highest level I can reach is a supervisor who has no authority to do anything and simple reads from a script over and over about putting a stop payment on the old check ( that was supposedly send out but never arrived ) and starting over from the beginning in a crazy never ending waiting game with no guarantee that anything will ever arrive. If I ran a business like this I would be out of business in days and under investigation for XXXX business practices. Please help me recover my funds in a timely fashion that does not resemble a XXXX at a casino? When did the customer is a valued commodity disappear in the USA. Thank you and hope to hear from you soon!
Citi Bank incorrectly reported a 120 day late payment on my credit report. I disputed the error. Citi Bank sent me a letter dated XX/XX/2018 acknowledging it was an error and requested the consumer reporting agencies to delete the delinquency from my credit report. 

I've requested three times, in writing and with letters sent via certified mail, for this error to be removed. However, Citi continues to report the 120 day late payment, which is in violation of the Fair Credit Reporting Act.
I am a victim of fraud & identity theft. I contacted XXXX  and Experian TWICE. They refuse to remove fraudulent account/ activity on my credit report. They keep doing investigations but never remove it. Accounts : XXXX XXXXXXXX # XXXX I have mailed, faxed, and called repeatedly about my account that resulted in a charge off due to fraudulent charges on my credit report. I've uploaded and sent my identity theft affidavit, identity theft report from the FTC, and a police report. This is my second complaint in regards to this issue. They just keep investigating and then it remains based off of what XXXX XXXX says but no where do they offer proof that this account was not fraudulently used. It was my account but had unauthorized charges that unfortunately I did not become aware of until the charge off appeared on my credit report. This is causing me much unneeded XXXX. I paid the XXXX XXXX account in full anyways because I needed an immediate credit score boost. Not because it was indeed my debt. Last I used my account I had a zero balance.

Please help me get this resolved. For Identification purposes the last 4 of my SSN : XXXX
I tried to get my free credit report online and I had to answer questions that was supposed to be in my file and only i should know the answer well i could n't answer the questions because it asked me about a mortgage loan and payment I 've never had a mortgage loan and payment it also asked me about a jewelry card I have a card but not from the choices they gave me so they said that there 's a security issues
This happened to us. They opened XXXX accounts for us that we did n't want, and told us that we had to have them .... We are XXXX and wondered all along. Then a year later I went in to the bank and told them we did n't want the accounts. They did n't get rid of them for us, we went back to XXXX, we still had them, and {$200.00} dollars plus later in fees, we still had the accounts. I finally made a big scene in the bank with the manager, and 2 tries later, and each time I went in it was at least an hour with her, and a long wait before seeing her to get rid of these extra accounts. I wanted a full refund and she would only give us back 1/2 of the fees they had deducted. They even transferred money from our other account into these accounts to pay the fees and charged us overdraft protection cost to do that. It was so upsetting! We are one of those customers that they did this to. XXXX XXXX at Wells Fargo in XXXX Arizona is the bank manager. We want something to be done about this.. Thanks for listening. We are XXXX and feel like we have been taken advantage of in the American banking system. Thanks for listening.
PayPal Credit selling assets to XXXX XXXX and APR is going from 19.99 percent to 24.99 percent. That is a unacceptable rise in interest rate! I will cancel all accounts that are associated with XXXX XXXX. I have never missed a payment and enjoy using PayPal on XXXX and am being punished for nothing but greed! XXXX
XX/XX/2018 I entered into a deferment plan with finance company believing that it would bring current but, far from what has happened. This company excessive deceptive acts in applying fees and making it impossible to contact or reach them is horrific.I have request real time payments of account and cant get that info. According to my records i am current and showed an amount of credit. This company bills 30 day in advance and reports me late to Credit report agency sa being late every month. I am a online account holder who pays on line every month but they have now locked me out of my account due to excessive fees that no one can answer to. my online account will not allow me to process a monthly payment. its locks me into only paying the excessive amount onXXXX be paid so it will not take monthly payment of XXXX. Called spoke to supervisor forwarding info they requested and never heard back till i tried paying my bill today.
On XX/XX/2018 I spoke with a gentleman by the name of XXXX regarding my Serve account with American Express. This conversation took place at XXXX.

I asked him not to process a payment of {$160.00} that had been set up on bill pay as I had already taken care of paying the bill. He assured me that the transaction would not take place however it was sent it anyway and processed as a stop payment and I was subsequently charged a stop payment fee of {$50.00} from the town or XXXX. Again, XXXX  had told me that he had cancelled the bill pay and that the check would not be sent.

In short American Express Serve owes me {$50.00}.

Thank you for your assistance.
I informed XXXX XXXX XXXX that I lost my job after being hospitalized in XX/XX/XXXX. I had no means to satisfy the debt. They continued to call me 3 to 4 times a day. The credit card in question was never applied for. We had never signed a contract. I called Zwicker & Associates PC after I was served with papers at my home informing me that they were representing XXXX XXXX in a lawsuit against me for the credit card balance owed. I offered to pay {$100.00} a month to satisfy the debt, they refused and said they would pursue suing me. I was told by XXXX XXXX that I would need to find someone else to pay the debt for me. That they would not accept a payment agreement unless I paid half the sum owed and an exorbitant monthly fee. I asked to speak to someone else. He said no one else would be able to help me, not the attorney 's at his office, or anyone else higher in his department. He said that there was no agreement to be made and the attorneys would be suing me unless I paid the balance in full or put {$3000.00} down and paid almost {$400.00} a month.
Trying to send money to XXXX account. But td bank does n't not recognize them and can not send money with them by account number and routing number. XXXX is fdic insured for XXXX how can TD bank not recognize them?
I 've already spoken to them XXXX on my cell phone, now they are calling repeatedly on my work phone which is a privately owned business. If they keep calling, I will be fired! I 've told him not to call anymore!
I put a freeze on my credit report in 2009 & received a letter & pin number. Today I asked to lift the freeze and found out that I can not because Equifax ( and only Equifax ) has a middle initial of " XXXX '' in my name vs just a " XXXX ''. Equifax said I must send proof of my name and address in order to correct their mistake. I have a letter from Equifax dated in 2009 & that letter does not have the incorrect middle initial. Also, when I tried to use the online system at Equifax the system ca n't even hold XXXX middle initials. They agreed to process a lift of the freeze but that takes 5 business days & they notify me by mail. The other XXXX bureaus processed the lift immediately & sent an email response. Equifax needs to research their errors & not put the burden on the consumer. Equifax is holding up the checking of my credit standing for 5 business days plus the mailing time since they respond only by mail.
In equifax current Credit report # XXXX summary shows 3 accounts with negative information, however after reviewing the 105 page report, I can not find anything that is considered " negative ''. What I did note was a missed payment on account XXXX which was closed and payed. There are NO designators to show a negative designation. 
My opinion and concern is that creditors are mislead by the summary of 3 negative information, and make their decision based on the Summary, since I don't believe lenders will review the data. 
In Credit report # XXXX ( wife ) it shows in the summary 1 account with Negative information, review of the 52 page report # XXXX incorrectly/improperly and erroneously reported in payment history. The designator is incorrect showing payments for XX/XX/XXXX and XX/XX/XXXX, when NO such payment was ever made. As a matter of fact XXXX XXXX XXXX has reported that there was NO payments due from XX/XX/XXXX to date. The payment history in report shows payment from XX/XX/XXXX to XX/XX/XXXX. 
The improper reporting, the lack of promp update of the file, coupled with ONLY a summary that is incorrect and does NOT reflect the TRUE status resulted in XXXX XXXX action of reducing available credit from XXXX to XXXX and possible other unknown lenders misconception leading to denials of credit
First contact : automated voicemail to call debt company back I called company back to ask what this was about. I would not give my address. Company did not provide any info about debt and hung up on me. 
Automated voice called back and gave me info about who original debt was from and amount. 
I called original company and they have no record of this being my debt ( which I agree with ). 
I called debt collector back and tried to sort it out ( I did not give my address ) - they hung up on me twice. 
I called back once more and told them to send me a verification notice. Apparently, they should have sent this already ( or did I have to ask for it )? 
Waiting for that so I can dispute the debt.
Credit reporting agencies have a bankrubtcy in 2009 for me, this never happened. This is caused my scores to fall below the levels to buy a home even in the Hope program. As well I am a XXXX veteran and the creditors have attacked my ratings, I have been sick and will not return to a regular employment position due to XXXX. So all out dated claims against me need to be removed ASAP, I live in Indiana and much of the claims is outdated and has been sold to different lenders that do not have original paperwork with my signature anyway, and I have not confirmed any debts to anyone at any time. I have also protested some as fraud. Especially the Bankruptcy that never happened. This inaccurate report has further damaged my credit. My real estate was illegally foreclosed in XXXX case and short sell in another, and was subject to illegal mortgage practices by XXXX XXXX and XXXX XXXX prior to recession, XXXX XXXX put illegal insurance on my fixed rate loan and forced my payments to XXXX, causing a economic storm for me and my future. They have since admitted this illegal activity but it does not help consumers like me when we can not be properly reimbursed for losses, and damages to financial reputations.
CFPB : receive monthly social security check and pay bills monthly, however never received bill from barclay card for XX/XX/XXXX but I have received several this week saying credit account is delinquent, The state will be forward to you via US mail. 

we are concern because you recent ruled with a matter with XXXX XXXX   where I was the beneficiary of wife 's account and your tried to rule in favor of no custodial party which we have seen quite often with the ruling authority.
I have began to default on my American Express card. I am in the process of obtaining paperwork to begin bankruptcy. This week, several harassing phone messages were left on my parent 's home answering machine. I did not disclose this number, in any way shape or form, and I have not lived with them since XX/XX/1999. My wife 's parents were also called regarding this debt. My wife is not on this card, and her parents number has also never been disclosed. This has caused many issues within my family as well as my wife 's family. This has not come from a third party collection agency, instead directly from American Express.
I am a victim of Identity theft. I went to rent a condo and on my credit report showed a EVICTION that I never had, the person also went to court using my name and a judgement was settled against me. I did go to the police and the individual was arrested. I did flag my credit now what do i do to take it off my record. I cant rent anywhere with that on my record..
This has been our primary home since XXXX and were up to date with our mortgage company ( LOAN DEPOT ) up to huricane Irma. We are a miltary family with girls under the age of XXXX. 

We contacted loan depot after the huricane and they offered us the option of a disaster modification. I was told that our interest rate would not change since this was a VA loan. After making our trial period payments for {$820.00} for 3 month, they accepted the disaster modification. They sent me the final paper work to have notized however I noticed that the interest rate was increased and we called Loan Depot for an explanation. I was not given an clear explanation by the rep and was told to sign the documents. I asked for a supervisor and the rep noted in the account that I did not want to proceed with the modification which was not true. After finally speaking to a supervior I was told that the rep gave me the wrong information regarding the interest rate. 

I was unable to get the documents notarized because the documents had my maiden name and the notary could not sign them. I notified Loan depot and I was told they would send me a new packet which I did not receive. Instead I received a letter denying the modifcation because they did not receive the notized docs back by the deadline. They are not allowing me to make a partial payment only a payment in full. 

I filed an appeal since I could not sign the documents they had mail me and provided them with support documents ( marriage certificate and appeal letter ).  Today XX/XX/XXXX I was told our appeal was denied. I am filing this complaint because due to the lack of attention to our case this is affecting us and they have denied to reopen my case for the disaster modification. This error by loan depot caused me not to be able to have them notarized.
XXXX XXXX XXXX is not being reported properly on my Experian credit report. XXXX 2013, XXXX 2013, XXXX 2013 and XXXX 2013 payment reporting and history do not seem correct. I asked for results of the account review and I never received a proper response.
XX/XX/XXXX account was illegally opened as XX/XX/XXXX account and should of been a prepaid account I never received a letter from the collection agency.

XX/XX/XXXX I was informed by a XXXX associate that I pay balance in full it will be removed from my credit.
on XX/XX/XXXX XXXX XXXX credit card collection agency-NKG settled the debit owed by me along with my lawyer to {$12000.00}. see attached settlement letter. 
Since then I have regularly paid the said amount to the debit collector. later this debit collection was taken over by XXXX XXXX XXXX firm. The payments were made to this debit collector. The final payment was made on XX/XX/XXXX XXXX a total amount of {$12.00}, XXXX was paid to the debit collector ( see attached bill payment statement from XXXX XXXX XXXX ). I have paid an excess of  {$80.00}. since XX/XX/XXXX after the final payment was made i called NKG office many times and requested a zero balance letter, refund of my excess payamnet, and report to credit bureaus as fully paid. NONE OF THIS HAPPENED FOR THE PAST MONTHS. I have called NKG debit collector and emailed them several times more than 20 times with the attached settlement agreement sent by NKG and the total amount of payment made to the new debit collector. 

XXXX sent me a credit report which states that there is one negative report on my report. I disputed it with XXXX. but they came back with the same resolution that I still owe {$3700.00} as of XX/XX/XXXX. THIS IS INCORRECT. XXXX XXXX CC IS ROGUISH FINANCIAL COMPANY THAT PREYS ON POOR PEOPLE AND MAKE UP FRADULENT CHARGES. THEY MUST BE TAKEN TO TASK AND MADE TO PAYBACK MY EXCESS PAYMENT, and fix my credit report immediately. 

I am applying for a home mortgage to refinance my home which is going under foreclosure. but this negative report and dishonest loan balance reported by XXXX XXXX is severely affecting my mortgage loan application. 

I humbly request the CFPB staff to take immediate action and order XXXX XXXX to remove the inaccurate credit reporting. 

see attached files from XXXX  report on XXXX XXXX CC and supporting evidence that I have paid the loan as per settlement agreement. 
XXXX one must report as XXXX balance. 

thank you for your help and prompt action. I am very grateful that our government has created agencies like you to help citizens from predators. 

thankyou XXXX XXXX
Last week, I had deposited a check into my Santander account in the amount of {$250.00}. Unfortunately, the account from which it was drawn decided to hold funds longer than I had expected, thereby causing the check to bounce. This set off an avalanche of overdraft fees ( 15+ in all ) that were assessed against my account to the tune of {$520.00} as of this writing.
In XXXX XXXX, I cancelled my registration for an event/conference. When I registered for the event in XXXX, I paid using my business debit card. At the end of XXXX, I closed my business and my business bank accounts at SunTrust Bank, and filed my final business tax return. The event vendor refused to refund my registration fee in any way other than crediting the card I 'd used when I registered. SunTrust accepted the refund, even though the account was closed. SunTrust has issued a check payable to my former company and refuses to cash it for me and the other former owner of the former business. The only option they have given us is to open a new business account in the same name ; again, that business no longer exists and the final tax return has been filed.
I just saw this debt appear on my credit report today. The date opened is incorrect, I have not had any communication with this company. I am a  XXXX   year old a nd have been out of   XXXX   XXXX   for only two years. I 've never had a primary residence of my own in order to have applied for any type of credit with them or  XXXX   XXXX   XXXX . I need this item to be removed from my credit report for I am a young adult that is just now starting my adult life and do n't need any derogatory marks on my credit file.
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
one main finance company has continue to call my jovb, have automated calls come through more than XXXX times a aday, leave messages on work answering machine, calling my contacts harrassing them, ask not to call job several times
Stellar Recvery Inc. and XXXX together Placed a derogatory collection line on my XXXX Credit File on XXXX/XXXX/2016 before and without sending me any notice to either make me aware of the debt or explaining my rights to dispute. Stellar failed to perform proper notification in writing required be ( FCRA )