WillisBack/dataset-financial-user-claim huggingface dataset:
To the Parties Involved and assigned to Investigate Claim : Due to a pending refinance to pay off my vehicle loan, in conjunction with a brief illness, I asked for a deferment on my payments for XXXX or two months from the original lender Wells Fargo Dealer Services. This is an allowed option through Wells Fargo at least once during the life of a loan. I was transferred and spoke to the Deferment Department where I paid the {$25.00} fee over the phone ( on XXXX XXXX ) and was told my next payment would be due in XXXX. This is my third loan with Wells Fargo Dealer Services and none have had a late payment, all have been paid in full, prior to existing loan. I was told by the Deferment Department that I would receive phone calls from Wells Fargo Customer service about the late payment as it takes some time for the Deferment to go through the system and to " Ignore Them. '' I received voice mails about the late payment, but in regards to nothing else! I also received nothing in the mail regarding the Deferment, nor via email. 
Finally, I answered XXXX of the calls to ask why the paperwork was still pending, the lady was surprised about the Deferment and investigated. She found the payment of {$25.00} initiating but realized the agent was mistaken and never had me fax a signed paper that was required. She was kind and handled it very well and promptly and got it processed the same day for me. Lovely, end of story I had hoped. However, the bank called me on my refinance and says that Wells Fargo has dinged my credit, something I have guarded my whole life, and the result was a credit score that would cost me thousands in interest due to the late payment. So I phoned Wells Fargo D.S and spent an hour being transferred around departments, each time being told this was the wrong department. Finally, I was rudely told it was my fault I had not faxed in the form I did not know existed, and the ding to my credit was nothing they could do anything about. After additional time on the phone, finally, someone told me I could request to have this investigated by the credit company and it would take six months. I also will be notifying the C.F.P.B. 
I am to send all paperwork I have regarding complaint. Wells Fargo initially apologized for their error. Now, they are saying the error is my fault and the notes state they called me. They called regarding the missed payment, but never about a fax number regarding department. They also insist they phoned my work. A small business of about XXXX people, the chances of them not once delivering a message to me is highly unlikely. I also work full time there and was never reached. My husband, the co signer was also never contacted. Nothing was received via email or USPS. It is unethical that my credit is to be reprimanded for a companies mistakes as well as inconsistent training in their representatives. I appreciate any help in this manner. Thank you and please contact me if I can provide any further information. 

Sincerely,
Well i had a checking account with fifth third bank in  XXXX  Michigan. And i had a overdraft go through because theyed payed a bill earlier than the date i set up on billpay. So it charged me  XXXX  dollars so i called and asked what happened and they said that the pitcular bill is sent out through the mail and they dont have the control of when it gets there. But they said they would refund the  XXXX  dollar overdraft fee. So they asked if i wanted a overdraft protection i said no i will just pay my bills a different way. But then i went on my credit report and it said fifth third bank has removed there inquire. So i called and asked why they looked up my credit report they siad they didnt but he will look into it and call me bac k 2  weeks go by and no call so i go in there to close my account and the guy heard me from the office and comes out and said just come with me and brought to the top person in charge a women. And she said  XXXX  you wanted to apply for a credit card and i said no i didnt she said i have it on file. So i said show me and she went into her computor and couldnt find it so she said well it is on paperwork so went into her desk drawer and went through two months of paperwork and couldnt find anything and said i guess you didnt. I dont know what to say she said. Now i definitely was closing my account and a few days later i get a letter from them with a new debit card saying they had a security breach my information maybe compromised here is a new card. So i just want this on file so they dont do stuff like that. Compromising my credit info.i had been there for two years and never had a overdraft or a credit card through them. So i dont understand shy you would operate your business like this.
XXXX   XXXX  ACCOUNT MUST BE REPORTED AS CLOSED BY CONSUMER. THE DISPUTE FLAG SHOULD BE REMOVED AS THE COMPANY HAS RESPONDED THAT THE DISPUTE HAS BEEN RESOLVED IN MY FAVOR. THEREFORE, MY INFORMATION ON THE ACCOUNT IS BEING INCORRECTLY REPORTED. PLEASE SEE THE COMPANY 'S RESPONSE TO THE CFPB.
American Express sent me a letter in the mail letting me know that I was pre- approved for their " American Express Green Card ''. They gave me reference RSVP code : XXXX to claim this pre-approval via their online application. I then went online and put in my information, only to have Amex 's system instantly decline me, which added an additional " hard pull '' to my credit report. This practice of sending out fake " pre-approvals '' is fraudulent, and I would like American Express to either honor the terms of the offer in giving me some type of credit limit, or to remove the hard pull which was fraudulently added to my credit report
I have had an account with US Bank since 2008. I opened it in conjunction with opening my son 's as he was joining the XXXX. At the time, I intended to add my husband but forgot about it. My husband received a check for {$2200.00} of which he signed and I deposited into my US Bank account. It was to help us catch up on our mortgage payment ( he recently had his paychecks cut in half for 4 weeks ). Not realizing or thinking he was not on the account, I made the deposit via the ATM in time for the automated mortgage payment. When I checked the account the day the mortgage pended on the account, I noticed a hold for the deposited check. I was worried about the mortgage not clearing so I called US Bank 's call center. I was informed that everything was okay. It was just a hold even though I told them it was available early that morning and there may be an issue. I was reassured and so I accepted that. The next morning, I checked the account to my overwhelming frustration, they had reversed the deposit, returned my mortgage check, and charged an overdraft fee. I then called again frantically and asked for the check back or if I could pick it up so that I can get the {$2200.00} ( a big check for us ). I was informed that the check is in the mail and that it is out of their hands and that this is the process. It was my mistake. I emphasized that I called the day before, requested an opportunity to talk with someone that could help, and was reassured it was okay. All that did n't matter and I had to wait for the check. Four days later I received a COPY of the check with a note that it is like the original. How in the world am I going to deposit this to any other financial institution? My husband is a XXXX and would not be in town to get added to the account. Their only solution was for me to deposit in another banks joint account. So, now I am trying to make a deposit that looks really questionable, then I need to get that money and go back to USBank all in time for the mortgage check to clear as they will resubmitted it. Yes, I made a mistake, but I attempted 3 times to resolve from the moment a problem appeared. Now I am let to handle this on my own and they have charged me a fee for it. I am so XXXX
I took loan from Nation Star Mortgage company XX/XX/XXXX. There was PMI at that time which has a Disclosure. This disclosure reads that we can request the PMI cancellation when LTV reaches 80 % or less which reached on XX/XX/XXXX. we have been requesting the nation star to remove PMI from XX/XX/XXXX but the company is not reading the disclosure and just telling us different stories like they need new appraisal where. as in the disclosure it is very clear that all will based on the Original value at the time loan was consummated, This disclosure part of mortgageSee attached disclosure
Coinbase is an exchange for digital assets. As part of the registration process, they require a payment method to be verified by customer sending small verification amount to Coinbase bank account from the customer 's bank account. This amount is supposed to be added to the customer personal coinbase wallet in a few business days. Following the instructions, on XX/XX/XXXX I sent XXXX EUR with a SEPA transfer ( this is like XXXX in XXXX ) to their bank account with the exact verification code they provided - XXXX. That amount was never recognized or returned. I logged a Support Case ID : XXXX on XX/XX/XXXX and followed up regularly every 2 weeks to which their support either did not  respond or responded with irrelevant auto-generated text. I understand that they may have loads of support cases, but 2 months without even an initial response is a demonstration of either discrimination by country of origin or simply intentions for theft if small amount and expecting people to give up seeking the service. The problem is aggravated as they also collect personal information - national ID or Driving License and do not provide the unsatisfied customer a way to clear these up upon split-up
I have an Army/Air Force Exchange Service ( AAFES ) credit account that was charged off in XXXX. The only statement I have received with this account was this past XXXX. The charge off amount was {$9200.00}. In XXXX, my XXXX Federal Tax Return was garnished in the amount of {$2700.00}. In XXXX, my XXXX Federal Tax Return was garnished in the amount of {$3300.00}. However, in the statement I received just prior to filing my XXXX tax return stated that there was a total due of {$8300.00} and showed interest charged. It also stated that the account was now being handled by XXXX, a debt collector. With both my XXXX and XXXX tax returns paying the account, the total that should be remaining is {$3100.00}. I just received an updated statement showing a payment of {$3300.00}, which is {$17.00} less than what was garnished from my taxes leaving a balance of {$5000.00}. I contacted the company collections department and was told that they can and will continue to charge interest even though they sold the account to a debt collector. Furthermore, she tried telling me that as of XXXX, my debt balance was supposedly {$18000.00}. First this was never notified to me. Second, if there have only been two payments, my federal tax return totaling {$6000.00}, how can they try to claim I still owe {$5000.00} yet claim my balance in XXXX was {$18000.00}. They are fraudulently trying to collect {$1900.00} more than what should be remaining on my account.
I have incorrect information on XXXX, XXXX and TransUnion reported by XXXX ( Medical/Health Care ) for the amount of {$720.00}. Submitted for collection on XX/XX/XXXX to ; XXXX XXXX # XXXX. XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX. 
I have requested proof through XXXX, XXXX and TransUnion, but have never received it. I have also called XXXX XXXX and requested proof that I am in fact liable for this debt, but have received no proof as of XXXX.
i refinanced my home on XXXX XXXX XXXX with XXXX XXXX XXXX ( XXXX ) in the amount of XXXX dollars. XXXX did not payoff and satisfy the XXXX XXXX as stipulated in the Promissory note recorded by XXXX on XX/XX/XXXX. XXXX has been falsely reporting to the 3 primary credit reporting agencies ( XXXX, Experian, and XXXX. ) XXXX has been claiming I have 2 loans with their bank since day one and I am presently indebted to XXXX in the amount totaling XXXX dollars. XXXX has been reporting my mortgage loan erroneously by variously titling my single transaction as a Real Estate- Jr. Lien/ Non Purchase Money loan while simultaneously retiling the same transaction as Installment Account Open, On XX/XX/XXXX XXXX and their attorneys XXXX XXXX XXXX XXXX , XXXX XXXX XXXX refused to pay XXXX the outstanding balance and proceeded to demand XXXX to " charge it off to me and release the satisfaction statement to FCB. XXXX has exaggerated my indebtedness and has caused irreparable harm to my credit worthiness. I disputed with the 3 primary credit bureaus? ( XXXX, Experian, and XXXX ) I also asked XXXX to correct errors and they failed to do so.
XXXX XXXX, the seller of property at XXXX XXXX XXXX, XXXX, CA, accepted an offer to sell her mobile home on land and opened escrow with XXXX XXXX. Since there was a mortgage on the home ( originally with XXXX XXXX and then sold to Chase Bank ) Escrow requested the pay off amount and a conditional lien release from Chase Bank on XXXX XXXX, 2016 per California Dept. of Housing & Community Development ( HCD ) requirements. 
Dozens of requests and phone calls later we still do not have the conditional lien release. Chase 's inability to provide a simple Conditional Lien Release is jeopardizing the seller 's ability to secure a permanent new home to live in ( she 's currently living with friends ) and the buyer 's desire to own this property. 
Our last contact at Chase Bank was XXXX XXXX, a Senior Service Rep Escalator at ( XXXX ) XXXX ext. XXXX. Chase Loan # XXXX.
Have submitted a prior compliant under number  XXXX . The complaint shows closed, but have been unable to read the company 's answer and justification for closing the complaint. Until I can read their reply, I consider this matter unresolved.
I am on my 3rd leasing contract with XXXX XXXX XXXX. I leased my XXXX vehicle in XX/XX/XXXX. During that time, I was over my mileage for my XXXX  vehicle in which the vehicle was surrendered. I received a bill in XXXX in which I was advised to pay {$1300.00}. I also received a phone call from a gentlemen advising me to pay a little shy under {$170.00} per month to satisfy the past due amount. I explained to him it wasn't feasible for me to satisfy that amount since I'm already paying over {$300.00} for the newly leased vehicle. It was explained to the representative that I could pay {$50.00} per month at a minimum. I asked during the call if this account would affect my credit and was told no. I was also not told during the call that the monthly amount being requested was finalized and could not be changed. My initial payment on the XXXX vehicle was XX/XX/XXXX ( {$50.00} ), XX/XX/XXXX ( {$100.00} ) and XX/XX/XXXX ( {$50.00} ). Today, XX/XX/XXXX, I received a call from XXXX stating I am 117 days past due on my account and it needs to be resolved today before taken any further. The initial lady I spoke with call was disconnected so I had to call back. I ended up speaking with XXXX who informed me that the monthly amount I was told to pay was not a formal agreement however the amount is being reported on my account and is 117 days past due. I was asked to confirm an amount I'm comfortable with so the account didn't go any further. I asked how can the account go any further, when XXXX has been accepting my monthly payments? I informed XXXX I can pay {$50.00} at a minimum per month. When the balance was split into about 22 months, the agreed amount calculated to {$50.00} and will be due on the XXXX of each month. So it's safe to say, the " formal agreement '' took place on XX/XX/XXXX which was 4 months from when the initial was generated. I would like to have the inquiries disputed that's being reported by XXXX XXXX XXXX to be investigated and be reversed.
Good Morning, I pulled my credit bureau report from XXXX and I discovered EOS-CCA had a debt account inherited from XXXX XXXX XXXX tied to me. All information and letters stating I had an account in collections with them never reached me as they were sending all correspondence to an address inhabited by other parties and not owned by myself. They refuse to acknowledge the fact that I never received any correspondence and have the documentation to prove I was on a lease in another city as well as employment information that I am employed in another city so I was not able to receive any correspondence to handle this issue before they submitted my account to the credit agencies.
There are XXXX liens that are inaccurately reporting on my credit report for Transunion. In fact, they are not even reporting on any other credit bureaus, not XXXX nor XXXX. What Transunion is doing is blatantly discriminating against me. They have been doing this to me for over a year. They have violated my constitutional, federal, civil rights, and the state constitution. They are also violating the FTC and FCRA rules and regulations. They are in violation of everything I can think of. They clearly stated that they verify with a third party which I do not know of. It certainly is not the courts or the source of any records, where I have so called lien records. 

WHO DID YOU VERIFY THIS INFORMATION WITH? WAS IT THE SOURCE? 
I DID RECEIVE THE XXXX VS XXXX PERSONALLY IN THE MAIL SHOWING THAT YOU CREDIT BUREAUS HAVE BEEN IN VIOLATION OF VERIFYING PUBLIC RECORDS ANYWAY WITH THIRD PARTIES. AND YOU ARE THE ONLY BUREAU STILL DOING THIS. YOU MUST BE STOPPED!!! 

Who Told them it is ok to report it? There is no law requiring any public records to be posted to a credit bureau. And there is Section 603 in the FCRA which states that in order to post anything to a credit bureau, you need the consent of the consumer. They are private, for profit ( massive profit!!! ) companies and they can not put just anything on there that they feel that they have a right to do. Plus XXXX does not have any firsthand knowledge of the actions they report. How do we know they are accurate? Unless Transunion is going straight to the courts, anything being reported is hearsay. YOU need to prove it with a certified document and not just on YOUR word which is worth squat. 

I trust that it 'll be resolved the second time around. I have filed a complaint with the Consumer Financial Protection Bureau and am in the process of filing with the Federal Trade Commission, and later I am going to SUE if this is not resolved!! 
I WILL ALSO FILE A SECTION 42 USCA 1983 ON YOU!! 

I have included the letters from the courts that I have received from them, which is actually the source showing that I do not have any current or prior tax liens with them. So, I have concluded that that is a fraudulent claim that you have against me and it is intentional. Call the source at their numbers on the letters and hear it from them. Or write them. I want these liens removed in 4 business dayS!!!
On XX/XX/XXXX, I received a letter from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX The letter stated that I was delinquent on a loan. I was instructed to pay the amount due by the due date. If payment was not received I would be considered in default. The letter further stated that if I did not notify them within 30 days after receiving the notice that I disputed the validity of the debt or any portion thereof, the lender would assume the debt was valid. No loan information was provided in the default letter. 

I never have nor would I ever apply for a loan with XXXX XXXX XXXX, which I believe is an online payday lender. I contacted the company using the site provided in the letter ( XXXX XXXX XXXX XXXX ) using the Contact Us feature and notified them that I did not apply for loan through nor did I receive funds from their organization. The organization did not accept my notice that the debt is not valid. 
In follow-up correspondence that I received, the following information was included regarding the invalid debt. 

Customer Information Loan Information Original Amount : {$1000.00} Fee on Appl. : {$300.00} Payment Due : XX/XX/XXXX Application Date : XX/XX/XXXX Origination Date : XX/XX/XXXX While my social security number and address were correct, all of the other information provided by XXXX XXXX XXXX is not. More specifically, phone numbers, e-mail, payroll, bank, and employer information is not correct. I do not have a XXXX XXXX  XXXX account nor have I ever worked for XXXX XXXX XXXX XXXX XXXX failed to do its due diligence ( e.g., credit bureau report ) that would have confirmed that I am not the borrower. 
My situation is identical to the allegations, more specifically Collecting loan payment which consumers did not owe, noted in the action taken by the CFPB against XXXX XXXX XXXX on XX/XX/XXXX. 
I did not apply for a loan with XXXX XXXX XXXX. I did not submit any of my information to the organization nor did I sign any loan documentation. This company needs to be shut down for its inability to confirm the identity of its borrowers and aggressive collection efforts against individuals that I have not applied for credit with them.
Bank Of America Bank of America Platinum credit card tied to my bank account on Smart Phone.     I pay my payment every month,  XXXX  month in advance, always paid on the  XXXX  of the month. But every month I was apparently receiving a late fee that was not listed on my online ( phone  )  bank statement not on the year end summary of the account.     the bank is saying the payment was due by the  XXXX  of the month, and even though I paid every month a month in advance on the  XXXX  of the month it was considered late. Only months that I made additional payments did I not receive a late fee. No where online or in statements does the account indicate that there is a windows each month that you can not make payments,  XXXX  to the  XXXX  of the month, the most frequent time people make monthly payments.     In addition the online account never shows the fee being charged for account. The fee apparently is posted on the last day of the account statement, and is not visible any other time. The online as the statement only shows the current statement period and after the next day the fee is no longer visible. The link to previous statements is deliberately hidden.  The Highlight and Underline on the text for statements has been removed so there is not way t t ell that is a link to previous statements.     Even the Year end statement deliberately does not include fees charged on the account. If you are a modern person, especially a Millennials, who maintains tracking accounts on your smart phone and use the account to ensure you pay monthly you will never know you are being charged late fees for the card. Only way you can tell what fees you are being charged is to download the monthly statement which is only way to access statements when using paperless option.     It 's was gong on for over a year., I have unknowingly paid over {$250.00} dollars in late fees. In addition and the fees change from  XXXX  dollars to  XXXX  dollars randomly.     This is truly engineered predatory banking for online paperless banking.
I moved from XXXX to XXXX to start a business. I have never worked for this company. For the last 4 months, people from XXXX XXXX XXXX XXXX XXXX have been calling me telling me to pay them money. I have never gotten money from them. They keep telling me that I was an insurance agent for they company. I have explained to them over and over that I took a XXXX Insurance Agent test but I have never worked as an insurance agent. Today XXXX XXXX, 2016, I received an alert from XXXX that XXXX XXXX XXXX XXXX XXXX has reported an account as unpaid. I do n't know what 's going on. This company is committing fraud because I have never worked or received money from them.