WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX/XXXX/15 I opened a Discover Bank Cashback Checking Account. The mailing that I received said that I would receive a {$100.00} bonus if 1. I opened the account between XXXX/XXXX/15 and XXXX/XXXX/15 using offer code " XXXX '' and 2. a minimum current balance of {$1000.00} must be met within 2 weeks of account funding. Furthermore it said that the bonus would be issued as a credit to my account WITHIN 30 days of completing all requirements. I complied with all of it when I opened the account. The rep specifically asked me for the offer code which I gave. I printed a confirmation of the account opening listing all the information ( Acct #, name, address, funding info, etc. ) which did not mention the {$100.00} bonus so I called and spoke to a rep named XXXX ( XXXX E.S.T. on XXXX/XXXX/15 ). I said nothing was mentioned on the confirmation about the {$100.00} bonus and she said that my account showed XXXX and nothing was printed on the confirmation because that offer was n't available to everyone. I have an email dated XX/XX/XXXX saying that they rec 'd my request that my bank transfer {$1000.00} as an opening deposit which would be credited to my account within 3 business days. Deposit was shown in the account on XX/XX/XXXX. Today being XX/XX/XXXX ( 30 days since XXXX had 31 days ) and my account did not show the {$100.00} bonus, I called ( XXXX ) and spoke to a supervisor named XXXX who said that the reason I did n't receive the {$100.00} was because my account was n't coded for the bonus. When I said that they had asked me for it and that I had called XXXX to confirm it, he said she ( XXXX ) thought I was talking about a different offer. XXXX chances to code the account and neither one was done correctly???? Do n't they record all these calls?? XXXX then said he would file a dispute with customer service but that would take 6-8 weeks to resolve! So, now I have to wait another XXXX weeks for their decision? AND leave the entire {$1000.00} there until then?
I filed an initial complaint with the Consumer Financial Protection Bureau on XXXX/XXXX/2015. It took until XXXX XXXX, 2015 to obtain a response. At that point, XXXX finally gave the name of the company that they sold the mortgage. After which time, their cooperation ended. Contact was made with Dyck O'neal. Dyke O'neal provided a payoff. After which time the request for the Assignments of Mortgage were requested. As they were not recorded and in dire need to show ownership of this mortgage. Nothing was done. XXXX, XXXX XXXX ( XXXX ) XXXX x XXXX or anyone else was did not respond to the repeated requests to provide the information. A clear chain of title can not be completed without those assignments of mortgages. Without a clear chain of title the property can not be sold. XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX credit was contacted in reference to this matter on XXXX XXXX, 2015. ( XXXX ) XXXX. XXXXXXXXXXXX. I have spoken with XXXX XXXX from Dyck Oneal ( XXXX ) XXXX at e-mail XXXXXXXXXXXX. At this point he is not responding to my calls. I have reached out to everyone I possibly could in order to resolve this issue. This file started at XXXX Mortgage, then went to XXXX XXXX. At some point, it must have been sent back to XXXX Mortgage because when XXXX XXXX XXXX Acquired the assets of XXXX Mortgage, they gained possession of this loan. The Corresponding companies and account numbers are as follows : XXXX Mortgage XXXX # XXXX XXXX XXXX XXXX Loan # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX loan number, but Foreclosure Case # XXXX
ATTN : SPECIALIZED LOAN SERVICING : The response packets were received. We have found irregularities and are requesting a correction for the second request in the CFPB complaint # XXXX dated XX/XX/XXXX that ask for the first time SLS sent us the note version with the XXXX XXXX XXXX endorsement, SLS replied with it being their response dated XX/XX/XXXX to our communication dated XX/XX/XXXX. This is wrong! that communication contained mortgage assistance and foreclosure forms no note or disclosure statement. We explained about the breaches and problems that had been encountered and why we felt the need for special consideration for lower rate and principle reduction as found was given to XXXX XXXX XXXX for the predatory lending of XXXX. The copy SLS kept providing had a clause allowing signature only to permit the rate reduction. WE have never accepted the first version copy or second version copy as what was signed or agreed too. Now with the found reprinting, simulations, falsification etc., There is need for investigation.
I HAVE AN ACTIVE FORBEARANCE EFFECTIVE XX/XX/XXXX THROUGH XX/XX/XXXX.. 

WHILE ON FORBEARANCE XXXX  HAS NEGATIVELY REPORTED DELINQUENT STATUS ON ALL CREDIT REPORTS
I was away in XXXX for 10 years when I came back home in XX/XX/XXXX I tried to get an apartment. I contacted all the companies that said I owed and they all said I still have to pay it or my credit will be ruined and possibly be sued. I spoke to my lawyer and I was afraid of going back to XXXX. He told me to reach out to you for help. This all happened from XX/XX/XXXX- to recent. I never had credit. 

XXXX XXXX XXXX XXXX Status Closed Balance {$0.00} Type Credit Card Payment Status Late XXXX XXXX Status Closed Balance {$450.00} Type Unknown Payment Status Late Do you see errors in your report? SEE OUR DISPUTE GUIDE XXXX XXXX Status Closed Balance {$0.00} Type Unknown Payment Status Late XXXX XXXX XXXX XXXX XXXX Status Closed Balance {$0.00} Type Credit Card Payment Status Late XXXX XXXX XXXX Status Closed Balance {$7100.00} Type Collection Payment Status Late XXXX XXXX Status Closed Balance {$2400.00} Type Unknown Payment Status Late XXXX XXXX XXXX Status Closed Balance {$11000.00} Type Collection Payment Status Late XXXX XXXX XXXX Status Closed Balance {$270.00} Type Collection Payment Status Late PORTFOLIO RECOV ASSOC XXXX Status Closed Balance {$6300.00} Type Collection Payment Status Late XXXX XXXX   XXXX Status Closed Balance {$9600.00} Type Installment Loan Payment Status Late
I am unable to get my EQUIFAX credit report. Either the " validation '' questions and multiple choice answers do n't apply ; OR I make it through and then get an online message that they ca n't deliver my report online and that - allegedly - I have to " call ''. I DO NOT WANT TO CALL. With this complaint, I have uploaded my valid driver 's license and a current utility bill for proof of identity. 
Of note, I am XXXX of the many XXXX who was affected by the XXXX data breach of personal info ( name, DOB, SSN, driver 's license number, etc ). I want to check my EQUIFAX report but am unable to receive it.
In XX/XX/XXXX sometime I was served for a judgement against me for Collection Professionals Inc. in XXXX  Wyoming. I did not receive any other type of communication from them explaining the debt I owe, how much, or to whom I owed. In XX/XX/XXXX they garnished my wages. I was unaware that they were going to do so because I didn't receive any type of communication once again from their company. I found out because the company I work for sent me something in the mail. They garnished around 400.00 dollars every two weeks. I had assumed I was finished paying my debt with this garnishment, because once again I received no communication from there company, and my judgement was no longer on XXXX, XXXX or XXXX credit reporting agencies as it was in the past.I recently received a notice in the mail from the company I work for that I was going to be garnished. This blew me away because I have still heard nothing from Collection Professionals Inc. I am a family of XXXX   and the only one working and due to recent health issues I struggled to work fulltime. I called Collection Professionals Inc. and explained my situation. The man I spoke with was rude and threatening, he told me they could not work with me and the garnishment would go on. I then asked how much I owed because I haven't received anything from them. He told me over 11,000.00 dollars. I knew something had to be incorrect, so I asked him if he could send me something in the mail in order for me to verify my debt. He said he would so I made sure he had my correct address. I waited for a week or so, and when I didn't receive anything in the mail from this company I went there to speak with someone in person. This time it was a female, I spoke to. I explained my situation and I asked if they could let me make payments instead of garnishing me so that my family and I could still survive. She spoke with her supervisor and said unfortunately I am stuck with the garnishment, she was nice and I could tell she felt bad. I then told her I still haven't received any type of communication showing how much I owe or to whom I owe it. She then printed me off some papers but indicated they were not very detailed so she would send me some in the mail as well. I waited and about a week later I did receive more papers in the mail from Collection Professionals. Most of my debt was medical and from XX/XX/XXXX, and because I can't afford an attorney I researched Wyoming Statute of Limitations. My understanding is that the debt is past the statute of limitations and they shouldn't be able to collect it. They last garnished me in XX/XX/XXXX and because it had been 4 years since they garnished me on this judgent it went dormant and they should be able to garnish me now due to the law in Wyoming. When I looked at papers I received from Collection professionals I didn't see where I had even gotten credit for my garnishment in XX/XX/XXXX. There are several things that are wrong with this whole situation, and now I was forced to work full time regardless of my health because of this garnishment and I still can't pay my bills because they are taking around 400.00 dollars out every two weeks.
I used my card to make a purchase at XXXX XXXX on XXXX and the transaction went through. I forget something and went back to purchase another item and the transaction was declined. My wife used her card ( joint checking ) and was also declined. There was over {$1000.00} in excess funds in the account. I received a voicemail on the morning of XXXX saying my card was flagged for a fraud alert and placed on hold. I called, verified the transactions and was told that the hold was lifted. Went to lunch 5 hours later on XXXX and was once again declined. Call the bank and was told that there was still a hold on the card that should have been lifted based on my my earlier interaction with them. They can not tell me what triggered the fraud alert and am subjected to being humiliated in of strangers and co-workers when my card gets declined when " MY '' funds are unavailable to me. This is at least the XXXX or XXXX time that this has occurred to either my wife or myself.
Chase closed one of two credit cards that I got issued from it without a proper notice. Chase sent me the first notice by 'mail ' only threatening me that my account will be closed without a proper explanation. I called the customer support, the representative could not figure out exactly what happened and she promised that this won't happen again. After a month while I traveling abroad, Chase sent the second 'mail ' stating that they closed my account due to a payment being made with a refunded credit. I use the affected credit card exclusively for XXXX purchases and have only made few purchases over the last few months. I returned few defective items and got refunds. Chase is claiming that I did not make any payment due to refunds being credited earlier than when Chase could charge my bank for payment. I understand what happened systematically, but Chase 's claim simply does not make sense for the closure of the account. If they wanted me to make payments for my purchases, I would have done so, but they never asked me to do so before the closure of the account. They never explained with the first mail nor the first communication that I had with the customer support. I am dismayed by such an abrupt, inconsiderate and one-sided customer treatment by Chase and it must be condemned. I also have a concern that this closure would affect my credit score.
XX/XX/XXXX received letter from Huntington Bank indicating could no longer make bi-monthly payments on home equity loan (my primary mortgage) effective XX/XX/XXXX; letter dated XX/XX/XXXX, taking 6 days to receive. Have automatic payroll deduction to them every 2 wks, approx 1/2 mortgage payment. Payment to be sent XX/XX/XXXX, fulfilling XX/XX/XXXX obligation. However, won't get paid again until XX/XX/XXXX, 8 days after next full mortgage payment due. Huntington told me they would give 15 day grace period for XX/XX/XXXX; after that, full payments due XX/XX/XXXX of every mo. I have multiple problems with this: received viturally no notice; I live on a budget, unlike your disconnected director, Mick Mulvaney. I have 6 days to re-budget for full payment, even though won't get paid again until 8 days after due date. Asked if I could change due date, Huntington refused. Change not discussed or authorized with me, is nothing short of payment demand, and a change to the loan re-payment plan I originally agreed to. Now I either have to pay extra every mo, or make a principle only payment monthly in order to get previous benefit of bi-monthly payment. This is wrong; makes me think it is a result of Trump admn dropping previous consumer banking protections. Happen to be paid 8 mos ahead on my mortgage because of benefit of bi-monthly payments, and will continue to pay extra, but how many other Huntington customers cannot or will not? This change will discourage them from using the benfit to reduce their mortgages ahead of term. Not currently in a position to change mortgage companies, if I was, would drop Huntington. This activity seems on par with XXXX XXXX changing mortgage terms without customer knowledge. Doubt there will be resolution of this in my favor - return to bi-monthly payments, or that the CFPB even cares.
Please be advised that all Responses can or will be use in a Federal Court. 
1. I Disputed everything on my Equifax Consumer report XX/XX/2017- XX/XX/2017. 
2. XXXX Disputes exact I have n't received I responses yet today is XX/XX/2017. 
3. I Demand everything negative to be removed immediately. And as you can see on the attachments the investigation was way past 30 days
i am filing this complaint because equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. 
being that they have gone past the 30 day mark and can not verify these accounts, under section XXXX XXXX XXXX ) ( A ) of the FCRA-they are required to '' ... promptly delete all information which can not be verified. " that i have disputed.Please resolve this manner as soon as possible. Thank you
I have been banking with Chase Business services for some time and thought I understood how they work in processing transactions. To my surprise, over the weekend I received XXXX non-sufficient fund fees for a withdrawal they said I had funds to make. Their systems are usually very accurate, but this resulted in another XXXX non-sufficient fund fees for a total of {$350.00}. So, the first internal transfer between Chase accounts said I had funds and then it said I had funds for XXXX additional transfers of {$20.00}, {$20.00} and {$35.00}. So I paid a {$35.00} transaction for a {$20.00} transfer, another {$35.00} fee for the second {$20.00} transfer and another {$35.00} fee for a {$35.00} transfer. This is the equivalent of paying 100 % interest for one day or annualized at 36,500 % interest. Their representatives could n't explain why this happened according to their time stamps. So, they guessed on what could have caused it. I spoke with a representative at Chase and a manager, then asked to speak with the supervisor of the manager who said they were not available and would call me back.
I signed-up for a Navy Federal Credit Union ( NFCU ) savings account using their web form. The ( extensive ) disclosure statement provides NFCU the industry-standard capability to monitor a member 's credit, presumably for specific targeting of services. I receive a credit monitoring notice that NFCU performed a " hard '' credit check XXXX the kind normally reserved for applying for loans and credit cards ) and not a " soft '' credit check XXXX the kind used by credit monitoring services and targeted marketing ). A representative tells me that NFCU *implicitly* reserves the right to perform whichever kind of credit check they like. I have two problems with this : ( 1 ) I did not apply for credit and ( 2 ) I do not believe that I provided consent for a hard credit pull.
I have been trying in earnest for over a year to set up a repayment plan I can afford for my student loan. I was finally put in touch with FMS to set up what they call a loan rehab agreement. FMS requires extensive documentation to make these arrangements ; I understand this need, and I do not have a problem with that requirement. However, I have now supplied every document they have asked for four times over a two month period. I have supplied the correct documents with the correct data ; they have acknowledged that I am eligible for the program ; I have begin making payments to them over two months ago, but they continue to contact me requesting the same documents over and over. And although I have been and continue to make payments to them, they continue to call and email me asking for the same documentation and telling me I am still not " officially '' rehabbing my loan even thought they are collecting payments every month. Today I sent them yet again every document they have asked for. I wonder if they are losing my documentation which contains highly sensitive personal information, and I wonder if they just continue to stretch this out to increase their fees. 
Why would the Federal Government enlist such an incompetent or unscrupulous company to act on their behalf?
Premium Asset Services has misrepresented who they are. They are rude, have used profane language, and have told me on several occasions they are calling from a law office ( Offices of XXXX XXXX XXXX. They act as though they are lawyers and threaten litigation. I attempted to set up a payment plan for my debt and they were not willing stating I have room on my credit cards to pay the debt in full. They will not work with me at all and then say that I " refuse '' to pay the debt which is FALSE. They also have threatened to contact my employer if I did not respond and pay the debt in full. They never told me who they were, I found out the company through my husband, whom they have also harassed. He had to continue to ask many times for them to say where they were calling from. They are telling my husband I have secret credit cards, and told him that we are pieces of XXXX. A different person calls me each time and from different phone numbers. They have stated my debt is 1 to 2 thousand more dollars then it actually is. They are harassing me, misrepresenting themselves, and constantly threatening me. They have caused great emotional distress and I am in fear that they have fraudulently acquired my SSN and personal information.
For more than a week now they have called everyday sometimes 3 times a day. I have told them I ca n't pay, I have no money coming in. What money I have is to pay utilities, and do not call back.
This account was paid in full, but world finance has submitted information to the credit bureau that I owe {$3100.00} but, the loan was for {$610.00} and I was taken to court for XXXX. The XXXX has been paid in full and I have attached the documents to prove it. I did receive a receipt for my last payment. Now world finance is submitting fraudulent information to the credit bureaus.
I added money to my PayPal account and later went to atm to withdraw funds. The funds never dispensed. I contacted PayPal XX/XX/XXXX they stated they would have to file a dispute and provisional credit would be given. Once they provided the credit they limited my account on XX/XX/XXXX said I would have to wait 180 days to get my money. I called XX/XX/XXXX to try and see if the hold could be lifted early because I am going through a hardship and really needed my money. The agent said no in case a customer has a dispute I informed her there was no customer interaction on my account I personally added those funds via cash at my local XXXX so who would be disputing Me. As of today XX/XX/XXXX the credits are final and no longer a provisional credit and I would like my funds released as soon as XXXX   because its my money!!!
On XXXX/XXXX/15, someone created fraudulent checks and went to XXXX different Comerica Bank locations to cash checks from our accounts. In total XXXX checks were cashed on the same day. The bank branch suspected fraud and called us but could not get through to us immediately. We were able to speak to the bank branch that day, instructed the bank that it was fraudulent, to stop cashing those checks and to call the police. The police were able to arrive and arrest one individual while he was trying to cash a fake check. The police noted the other assailants fled the scene. Comerica Bank originally returned all of the stolen money to our account after they had us sign affidavits at their branch. Then on XXXX XXXX, 2015 they informed us they were deducting the entire stolen amount from our remaining balance and we were to be held liable for the fraudulent check cashing. Despite the police report showing the checks were fraudulent, Comerica Bank is still holding us accountable even though we are not the ones in a position to determine whether a check is fraudulent or not nor were we in a position to stop the cashing of the checks. Comerica Bank has a duty to ascertain whether checks are fraudulent before cashing them. In this instance, they already suspected fraud yet still continued to cash the checks. This issuspicious to say the least. So after signing affidavits attesting to fraud, they can collect from their insurance at our expense. By law, we have 60 days to report fraud. We reported it the same day it was occurring and by our own hand stopped more fraud from occurring. Comerica Bank on the other hand, negligently cashed fake checks and perpetuated repeated fraudulent check cashing when they clearly suspected fraud.
There is a public record on my credit report being displayed as tax lien. This is being displayed inaccurately. I was on unemployment and there was a wage garnishment placed to repay some of the funds i was allotted. Also the public record was placed more than 7 years ago and should be removed from my credit report. This is negatively impacting my credit report and is being inaccurately reported by the XXXX major credit reporting bureaus.
On XX/XX/2015 I sent a letter questioning several accounts on my credit report. I have waited well past the 30 days they have to respond. I have received nothing in response. today is XX/XX/2015.
XXXX/XXXX/15 I deposited a computer generated check at the Capital One bank in XXXX XXXX Tx, & have a deposit reciept. The bank has since lost my deposit, & have no trace of my check or the finances. I have contacXXXX the check writer and will have a copy of both front and back of the illusive check, as well as the deposit reciept. I drove the check to the bank and have a witness when I deposited the check. The bank has not depositted the funds or even acknowledge that the check ExIsts. I have The proof in a reciept but the bank will not honor the deposit. Now although I worked and received a check fRom my empemployer and depositted the check Capital one will not honor the check. I 'm colecting all necessary information. And will be notifying the police monday as the amount they are holding is over XXXX dollars. I belIeve that makes the amount being with held from me illegally a grand theft charge. I intend to press charges as I did my part and the bank is not.