WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX of XXXX I applied in a Wells Fargo branch for a Secured credit card. This card has an annual fee of {$25.00}. On XXXX XXXX XXXX I applied for a credit card offered though Wells Fargo called the Wells Fargo XXXX XXXX XXXX XXXX. That card 's ( XXXX ) application was denied because I am not a XXXX. Because of this application 's denial I recalled that my Wells Fargo had been open for THREE years now and I was still paying an annual fee each year and the card remain a secure credit card. So I called Wells Fargo to ask if the reason my card had not graduated to a unsecured credit card because I was n't a XXXX and they informed me that that was indeed the reason. I asked for the annual fees I had paid to be refunded because the card was never going to do what was advertised as becoming a unsecured credit card in a year or more time. The representative at first informed me that XXXX annual fees would be able to be refunded however later in the call after being put on hold I was told that only XXXX annual fee can be refunded. It is unacceptable that I was never informed of Wells Fargo policy on unsecured credit cards for non-XXXX.
I've sent certified letters stating that multiple inquiries weren't mine and was a victim of identity theft. Experian actually sent me mail stating that they would NOT remove the inquiries and started automatically returning my certified letters. 

I've enclosed a copy of the Identity Theft Report that I filed with my local Police Department and the Federal Trade Commission as well. It has been completely ignored. 

Creditor Name : XXXX XXXX Date : XXXX XX/XX/XXXX Creditor Name : XXXX Date : XXXX XX/XX/XXXX Creditor Name : XXXX Date : XXXX XX/XX/XXXX Creditor Name : XXXX XXXX Date : XXXX XX/XX/XXXX and XXXX XX/XX/XXXX Creditor Name : XXXX XXXX XXXXXXXX XXXX Date : XXXX XX/XX/XXXX Creditor Name : Credit Acceptance Date : XXXX XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX Date : XXXX XX/XX/XXXX Creditor Name : XXXX XXXX Center Date : XXXX XX/XX/XXXX Creditor Name : XXXX   XXXX XXXX  Date : XXXX XX/XX/XXXX Creditor Name : XXXX XXXX Date : XXXX XX/XX/XXXX Creditor Name : XXXX XXXX Na Date : XXXX XX/XX/XXXX Creditor Name : XXXX XXXX Date : XXXX XX/XX/XXXX Creditor Name : XXXX Date : XXXX XX/XX/XXXX and XXXX XX/XX/XXXX Creditor Name : XXXX Co Date : XXXX XX/XX/XXXX Creditor Name : XXXX XXXX  XXXX Date : XXXX XX/XX/XXXX and XXXX XX/XX/XXXX Creditor Name : XXXX XXXX  XXXX Date : XXXX XX/XX/XXXX Creditor Name : XXXX XXXX Date : XXXX XX/XX/XXXX Creditor Name : XXXX Date : XXXX XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX Date : XXXX XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Date : XXXX XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Date : XXXX XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Date : XXXX XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX  Date : XXXX XX/XX/XXXX Creditor Name : XXXX XXXX Date : XXXX XX/XX/XXXX Creditor Name : XXXX Date : XXXX XX/XX/XXXX 2016
Transunion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result I have been gravely effected and my score is suffering as a result. No notice was ever given which is also a violation. I am requesting that ALL inquiries be removed. They said that they would delete them all but only some were deleted. And I never received an updated credit report.
I received an offer from Chase, which owns my mortgage, to apply to a lower rate. I applied and was rejected. The application involved a credit inquiry which lowered my score. Since then I 've continued to receive offers to apply to lower my mortgage regularly. I requested that Chase remove the inquiry that lowered my credit score and stop sending me offers.
XX/XX/XXXX received documents in mail about court approved payments to be taken out without myself being served to go to court didnt know anything about it until payments was taken out before i received the letter in mail, amount that was owed {$5500.00} and they received that full amount on XX/XX/XXXX instead they continue to go in my checks and the amount they say i owe no is more then the balance that was owed because the car was sold for the amount of {$6500.00} and the total amount of the car was {$10000.00} as of today they still garnishing my check for {$9500.00} i have documents that say different. The actual company said they received their money years ago and that they dont understand why money is still being taken out from my checks and that i should call the Wilson Lawyer company and i havent received a call back still
I spoke to a representative on the phone around XXXX XXXX about my loan and me still being in school. After I finished my class the quarter was over and the next quarter would start in 3 months are so, I contacted the loan department and inquired about why I received a letter stating that my loan was coming up for repayment status, I was advised to send in income information and in the meantime apply for a forbearance, by the representative. I applied for the forbearance she walked me through it online. I sent in my requested documents. and waited. I was sent and email stating my forbearance was approved and no payments were due. A couple of months went by and I received my credit report and found Navient on my report reporting that I missed payments for 90 days. I immediately called in and spoke with a representative about it. I was told by that XXXX that I must have missed the deadline and that it was nothing I could do, I explained to her that there was no deadline and that I had a forbearance that I was advised to do. She said I would have to send in another forbearance and apply for an income driven payment plan also to contact the credit bureau. I 'm confused as to what I did wrong? I was giving false information that lead me to have a negative item on my credit report by an agency that said they were working with me.
Immediately after my XXXX XXXX bankruptcy was dismissed in XXXX 2016, I began receiving phone calls from ECMC about a debt. I had no knowledge of the type of debt until I googled the company and read the reviews. Later that day, I was contacted by a rep from ECMC who proceeded to explain the nature of the debt. We went over some basic information and I realized it was for my student loan which the company says I am in default because of the bankruptcy dismissal. On XXXX XXXX, I gave the rep my communication preferences which included my home number and the immediate removal of the temporary work number that I did not give them ... or give them permission in which to call me. Today alone, I have received 3-5 robo calls from them as transfers to my employer. The calls began in late XXXX and have been continuous since. The live person I spoke with today, threatened me with wage garnishment on my employer line, and said she received no communication to remove the employer number so they have continued to robo call the number.
XXXX/AES both utilize a glitch in their computer system to collect more late fees/interest on student loans. I started paying back my student loan in XXXX, 2006, and I am 2-3 years ahead in paying back student loan. However, AES indicated to credit bureaus that I was late 60-90 days, when in fact I was ahead 2-3 years ahead in paying back my loan. Whenever a person is 2-3 years ahead in paying back loan, and if they are set up on direct debit where the system/loan gets paid automatically by direct bank payments, the computers start thinking that a person is late once the direct bank payments stop. The computers do n't consider that a person was ahead 2-3 years ahead of paying back loans, and immediately start indicating a 30/60/90 day late notice when no late notices should be charged as person can be ahead 2-3 years. The staff/people at XXXXAES are aware of the glitch, however, they still collect on late fees/interest when we are 2-3 years ahead of paying back loan. I have been waiting patiently for AES to refund late fess and remove negative information on credit reports, but they have failed to do so. It Is against the law what these companies are doing. If you note on attached documents, AES indicates that no payment needs to be made for several months, but on the other document, it states that I am past due 13 days. They ca n't have it both ways, and I am over 2-3 years ahead of payment schedule.
I just need my mortgage information reported by Experian Credit Agency, as it is reported by XXXX XXXX and XXXX. Back on 2016 that information was removed from my credit report and it is not being updated as of today because of the stupid reasons, such as reporting date issue. For more than a year I am trying to resolve the problem with help of my mortgage company XXXX XXXX XXXX and no luck. Experience representatives are confirming over and over again that there is nothing can be done, it is against the law to update my mortgage information with the same loan number. 
Please help me to resolve this ridiculous issue.
I was a recipient of a meager {$500.00} from the XXXX. I was then sued by JP Morgan Chase in foreclosure. I believe when they saw I was a part of that lawsuit the switched out the Plaintiff for XXXX loan with what looks like a fake allonge. At the same time I called XXXX and they said they were in possession of and own the note. 


This all resulted from a fraudulently induced modification by XXXX in 2010, where my ex husband who is on the deed did not sign the modification. My income was not enough to pay the loan and still be able to pay other bills. It did not lower the payment or interest rate but they charged me {$1800.00}. They delayed the modification first, for 6 months and added a bunch of charges. I do not believe XXXX was allowed at that time by the DOJ agreement to do modifications. And with the XXXX in settlements from those banks, it appears very little went to the victims. Where did it go? 
The county judge in Pennsylvania would not allow me to file a counterclaim and granted them a summary judgment. 

I can not afford a lawyer. Today I got a notice of Sheriff Sale from XXXX. Is there anyone that can help me?
The beginning : In XX/XX/2017, I was offered by XXXX XXXX XXXX store a XXXX XXXX XXXX  with a discount if I buy a combo package of internet XXXX XXXX and TV CHANNELS, after a little presentation of the benefits of this internet and the price of this promotion, I signed the agreement. 
DELIVERY AND INSTALLATION : At signature, I received the device itself and a schedule date for the installation,. On the installation date XXXX XXXX XXXX, employees came to my house and preceded with the installation, which just a portion of it was completed,. After asking XXXX XXXX to disconnect internet services ; Next day we realised that internet was not working, many calls later a manager of XXXX XXXX XXXX informed us that an issue on driveway made them delay the installation, but it was to be fixed on the same week. 
COMPLAINS : After a month waiting for the installation we called XXXX XXXX XXXX again to check status of the installation and another promise was made, Many XXXX XXXX XXXX technitians showed up on the following two months and nothing was resolved., We hired XXXX XXXX  as our internet provider again, XXXX XXXX was never installed. 
By XX/XX/XXXX a bill from XXXX XXXX arrived, and I informed XXXX XXXX XXXX that I had no intention to keep half of the deal and made clear that my initial interest in switch providers was just because of the possible quality of the internet and price. By XX/XX/XXXX a DIVERSIFIED collection agency called trying to collect a XXXX XXXX XXXX debt. I contacted XXXX XXXX XXXX they couldn't find any past due balance, they transferred me to XXXX depto, XXXX XXXX, and finally after weeks trying to figure this out on XX/XX/XXXX a XXXX XXXX XXXX associate with good intention to help, explained to me how this debt was generated and how to proceed with it in order to have it resolved, I followed his instructions and I made a payment of {$160.00} to close the account and to have my name removed from the DIVERSIFIED collection agency. XX/XX/XXXX I received another call from DIVERSIFIED, And they threatened me, informing that they had not receive any payment confirmation from XXXX XXXX XXXX and they demand the payment, Now not just {$160.00}, but {$780.00},. I spend 14 hours on the phone trying untangled this situation with XXXX XXXX XXXX and another promise was made ; XXXX XXXX XXXX promised to removed my name from debt collector and credit bureaus XXXX XXXX XXXX failed , again. 
I called the debt collector agency DIVERSIFIED to offer them a receipt of my payment with XXXX XXXX XXXX and to request removal of the negative information on my credit and they informed they have no power to clean my name but XXXX XXXX XXXX, I called XXXX XXXX XXXX they said they have no power to remove the wrongful negative information but DIVERSIFIED ; in this back and forth situation I spent another 40 hours with no positive results, my credit score dropped consistently due this collection factor hurting my financials in many different ways.
Thanks for your response and update regarding Select Portfolio Servicing ( SPS ), my servicing company. I really tried to modify this loan but SPS is difficult in assisting me. They promised to help me with a modification but they have not kept their word. The fact of the matter is I loss my job through no fault of mine. I have XXXX XXXX and I am XXXX years old. I have been experiencing more challenges to find a decent paying job versus when I was younger with less qualification. I even contacted my Congress Woman and she has been diligent in seeking assistance! 
I have always taken my responsibilities seriously especially my mortgage to name one. The reason I am behind these payments is because I loss my job on XXXX occasions. SPS accepted my unemployment and said they will work to modify my loan when I found a job, they did not indicate the pay range that will be contingent on my modification. They denied last year due to the debt to income ratio but it they modify to make the payment affordable the ratio will adjust. It was about making home affordable last year. I have been working as of last year and making my mortgage payments but they instantly came to me to cure the loan of approx. {$11000.00} plus, granted I am scheduling mortgage payment as much as 3 in advance. 
Regarding the modification I sent the corrections they requested per your letter and as of now they have all documentations per their requests. The last request was a clarification if I am going to submit taxes for XX/XX/XXXX. Why will I evade my taxes when I have been consistent!! I sent XX/XX/XXXX and XX/XX/XXXX taxes since last month. I called to affirm their clarification. According to them as of XX/XX/XXXX they have all the requirements. They are threatening to take legal action as of XX/XX/XXXX if I do not cure the default amount. I have not received the letter yet but the rep. read that to me Please help me, I do n't want to lose my home!! There has to be light at the end of the tunnel!! 
Thanks! 
XXXX
Response to CFPB compliant # XXXX. Wakefield and Associates failed to respond or validate the alleged debt. What they sent me on XX/XX/18 is not valid information to valid the debt. I NEVER signed a HIPPA release form and they failed provide me any documentation with signature or nor did they have a bill of sale. Please review Attachment. The itemaized document is not valid. 



XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Date : XX/XX/18 Re : Acct # XXXX To Whom It May Concern : I have previously sent you a request to validate my debt, account number XXXX on XX/XX/18 AND XX/XX/18 Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given you 30 days to remedy the situation, which is a very reasonable period. I have received no reply from you. 

Since you are still reporting this account on my credit report, you are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, which I may collect from you by filing a claim in small claims court. I intend to follow through with the suit if I do not hear back from you within 15 days. 

You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 

I look forward to hearing from you, XXXX XXXX
Synchrony Bank of XXXX XXXX administers credit cards for Walmart and its affiliate Sam 's Club. We have a dispute with unauthorized debits from a vendor ( s ) based in XXXX XXXX and in XXXX. Synchrony accepts unauthorized debits to our MasterCard processed by " XXXX XXXX XXXX XXXX .The amount charged ( debited ) was {$89.00} dated XX/XX/2016. We submitted a formal complaint to Walmart 's processor Synchrony Bank aka Synchrony Financial and received a written response XX/XX/XXXX that basically said nothing accept that a vendor has our credit card number and our pin number and they can do whatever they wish. We are returning my wife 's and my Walmart credit card 's as we did last month with a Sam 's Club credit card due to what we consider are 'abuses ' on our credit cards. Have sent letters to Synchrony in XXXX and copies to Walmart 's corporate office in XXXX XXXX but to no avail. They just want our money for items unauthorized. We called the U.S.P.S. and they told us to simply write " refused delivery '' on the packages and return them to the Post Office which we are doing. Desired resolution was to stop doing business with Walmart, Sam 's Club and most of all Synchrony Bank and XXXX. 
My information : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and tel. pho. XXXX. Both my wife and I are in our XXXX and remain active. Product information : " Shipping Dept., Supplements, XXXX XXXX, XXXX ID XXXX '' ( no other information on the packaging except " USPS First Class Mail. '' " Ship to : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX '' Thank you, Sen. XXXX XXXX, XXXX
I am an authorized user of this XXXX XXXX XXXX account and was told by XXXX that this account would report to all national credit bureau 's which includes Equifax. Its been over a year now and have not seen any reporting of the XXXX account. I have attached a document from XXXX in regards to the non reporting of the XXXX account. Equifax please review this document.
I am currently trying to purchase a house, the lender company ( XXXX ) pulled a hard pull on my credit report but they stated they could not pull my XXXX or experian score. I called both on XXXX XXXX and they stated there was no lock or freeze on them. I am in the military XXXX and XXXX said they had to put NY as my state address because they can not use XXXX XXXX such as XXXX. This is becoming so frustrating because we are stuck and I need them to see my scores for all three.
I was called by cbe asking for the last 4 digits of my social security number to confirm I am me so that they could discuss some debt. The repeated the last 4 digits of some social security number and wouldnt say who they were until the 6 time asking. The auto-generated number they used was ( XXXX ) XXXX
I conducted a {$950.00} cash advance at a local XXXX Bank using my Chase Debit Card. 
I looked at my account and saw a fee for {$28.00}. I called Chase '' XXXX telephone banking to inquiry and I was told that is the fee for doing a cash advance. 

My response to this info was I can understand if I was in another country conducting this transaction but for me to get charged that fee in my hometown domestically is ludicrous. 

I went on to asked who can I speak to to have this fee refunded, waived or removed the telephone banking rep told me " no one '' I asked to speak with a supervisor and XXXX continued to deflect and not get a manager on the phone. Evenutally I was put on hold and upon his return he advised me that he spoke with a supervisor and he has been given the govahead to waived the fee but he was XXXX the account so that no other fees will be refunded. 

My compaint is this is extremely absorbant. The maximum someone can take from an ATM is {$500.00} per day. To be charged a 3 % regardless if it is disclosed in a brochure issued years ago when the account was open is mind blowing. 

I can understand a {$5.00} or something but 3 % that is criminal and unethical.
My daughter 's car was repossessed by Kia Motor Finance. I was going to pay to get the car out of impound and refinance the car in my name. Kia told me that once the payment to the impound yard posted they could give me a payoff amount. On XX/XX/2017 I received a payoff amount and that amount was good through XX/XX/2017 with a per diem amount of XXXX. I mailed a check for that amount on XX/XX/2017. On XX/XX/2017 the bank notified me that they had not received the Title for the vehicle from Kia Motor Finance. I called Kia and spent over 1 hour on the phone with XXXX different people who all told me the same thing. After Kia gave me the payoff amount, the next day they added a fee for repossessing the vehicle and now I owed a balance of XXXX dollars and unless I paid that balance they would not release the Title. This amounts to extortion. They knew that the vehicle was in repossession, I asked for a payoff amount, and I paid the amount that they told me to pay. Now they will not release my title unless I pay another XXXX.
I have provided both  XXXX  and Experian with police reports and affidavit from the FTC they have stated the information provided was not good enough to investigate these accounts. I submitted documents in accordance to the FCRA and they have refused to adhere.   They are stating that the police report or affidavit has to be signed by an officer, when the police department has accepted the report and provided a verifiable police number online. If the CRA is doing a proper investigation they will be able to verify the police report number through the  XXXX  Police Department.
This complaint is more of a means to ensure something gets done rather than a complaint for something illegal a company is doing. Although I must say the company in question has harmed me by their inaction.

Capitol One has an account listed on my credit report. I am listed as an authorized user. The problem is that the account is not mine and I have never used the card. It belongs to my sister. My sister has already contacted the company months ago and multiple times over the last few weeks to have me removed from this credit card account as the debt on the card is preventing me and my husband for qualifying for a home.

Multiple times the creditor has told my sister that I would be removed and promised a letter to her. My sister has never received this letter and I am still on the account. It was not until today, 43 days after I was denied for a home loan, and multiple weeks after numerous phone calls that Capitol One finally stated to me that they would send me a notice claiming they had removed me from this account and any credit reporting. Normally this would be enough for me to be happy but considering they have already promised this multiple times to my sister without actually happening then I have no faith in them and am filing this complaint in order to ensure compliance. More so due to the fact that it took me 33 minutes on the phone before I was finally able to convince them to even talk to me and remove me from this account that isn't mine!

That's all i'm asking for and I hope this time it gets done. Also, they said it would take 60 days for it to reflect on my credit report but I know it should only be 30.