WillisBack/dataset-financial-user-claim huggingface dataset:
I currently spread my spending between 2-3 premium credit cards from competing issuers. It 's no secret that American Express has the best premium card in the business but when I called to apply for the centurion card, I was told it was not possible.
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On an unrelated not, I applied and was approved for a business card recently but the person on the phone who verified my application and approved it said he did not see the promotional offer which had prompted me to apply in the first place.
We are writing to explain our current situation with our mortgage servicer Wells Fargo. As per out attorney he has advised to file a complaint with your organization based on the reason we were given for a denial. Our attorney has received several of the same worded denial letters all where wells fargo is the servicer of a loan. The exact wording given in the denial is as follows : " We do not have the contractual authority to modify your loan because of limitations in our servicing agreement. '' How is it that our loan owned by XXXX and serviced by Wells Fargo and yet we are not eligible to be reviewed for the making home affordable program. We meet all the requirements to be approved for this program and have attached a copy of our submission that was sent to the bank providing supporting evidence for our qualification for a HAMP modification. 

We do not know where to turn at this point as we are being told our servicer can not help us because of our investor yet we are not allowed to ask our investor for assistance. Please help us receive a fair and proper review for assistance. In the meantime our attorney is looking into the potential for a class action law suit given several recent identical denials from Wells Fargo claiming the investor wont give them permission to offer assistance. 

We can not believe that this would be an acceptable rational given for refusing mortgage assistance. We are asking you to look into this and help us get reviewed.
On XX/XX/XXXX, I wrote to XXXX to dispute an inaccurate entry on my credit report in regards to two XXXX XXXX credit card accounts. My credit report showed that I was late on my XXXX XXXX XXXXt card accounts on the following dates : Account # : XXXX ... .. ( XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX XXXX Account # : XXXX .... ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX XXXX. I spoke with a XXXX XXXX representative in XXXX of XXXX. She verified that I was never late on both of my accounts and that it was a mistake. She also stated that XXXX XXXX will report both accounts as current and never late. I also received a letter from XXXX XXXX stating that XXXX XXXX finished their investigation and their research found that all payments are current and never late. They also stated that they will update my account with all three credit reporting agencies. However in reviewing all of my credits reports from all three credit reporting agencies, Transunion, XXXX and XXXX both my XXXX XXXX accounts still showed me as being late on the dates listed above.
16 yrs client. Received letter on XX/XX/19 stating bank wants to terminate relationship. No reason, no contact name, only a XXXX no. to a person ( named XXXX ) who connected me to another person who said that the letter was valid. But could give no reason.
Bank of America told me they would n't resubmit a check that bounced because I accidentally double paid but then they did resubmit the check and it, of course, bounced again. Their customer service guy, XXXX, said the check would n't be resubmitted but then the next day it was. 

The problem started when I overdrew my account in the first place. That was my fault. When I saw that the payment did n't go through, I submitted it again once I determined our account could cover it. I did n't know, however, that BoA policy is to re-run bounced payments. Thus, they ran the original payment through, which was covered, but my second payment now bounced. Knowing now that the bounced check was going to be run through again, I called BoA to stop that. I talked to XXXX who assured me the check would not be run through again. He practically glossed over my problem and started to ask me if I wanted to refinance my mortgage. I told him I wanted more assurance that my check would not be run again before he sold me anything. He assured me in a very unassuring way, so I asked for a case reference number. He said BoA. did n't have reference numbers but that my account would be noted that I had this conversation. I come to find out today that the check said would not be run again has, in fact, been run again, so now my account is overdrawn. BoA mortgage customer service is closed on weekends, so I ca n't to anybody until Monday. It 's Saturday morning now. I take responsibility for the original {$30.00} bounced check but this second one is BoA 's fault because XXXX was wrong about the payment not running through again. I might be on the hook for more fees because I have pending debit that might be overdrawn depending on how quickly BoA credits back my account on the second mortgage payment that XXXX said would be stopped. It was aggravating how he seemed to be more focused on selling me a product instead of providing customer service.
On XX/XX/2018, I received a bill in the mail for the amount of {$680.00} from a MCM or XXXX XXXX XXXX. Upon further investigation after XXXX  the company, they have tried to commit fraud to many unsuspecting people. I called them and told them they had the burden of proof to show I owed the debt. I asked them where the debt originated from and they could n't provide those answers. They stated they are a attorney 's office and will go after me in court. I explained to them I would be reporting this to the Attorney General 's Office in my state and make an official police report. They transferred me several times until I spoke with an male who had an XXXX XXXX accent who identified himself as a manager. He stated the debt was done in error and they would release this from my credit report. I made a police report with the XXXX County, XXXX Sheriff 's Department and XXXX.
I have received multiple collection calls from One Main Financial for a person that used to have my work phone number. I told the collection agency that I am not the person they asked for, and to stop calling my work phone number. They informed me that they would put down that the number is not valid anymore, but I have since still received at least 4 calls.
State collection services in the amount of {$420.00} dollars under dispute since it was first reported to credit agencies in XXXX  2016. Company has repeatedly failed to provide information substantiating debt claim. No account statement or report of any kind has been received despite requests.
I have been monitoring my credit reports for the past three months, and over that last few days, a new collection account from Diversified Consultants in the amount of {$330.00} has shown up on my credit reports, drastically dropping my credit score. I have never received any communication from this company -- no mail, no phone calls, nothing, so I am completely unaware of this debt and had no prior knowledge of it. I would like this account removed from all three credit reports ASAP as this information has caused my mortgage application to be declined.
I called Ally Bank SEVERAL TIMES and made sure that an international incoming wire transfer would not incur any fee by Ally or XXXX ( the intermediate bank as Ally does not have international wire ). As the wire was received, I noticed that {$18.00} was deducted from my wire. I called Ally, spent 27 minutes with the representative plus a supervisor and was told that it was their lack of training and that I should go to XXXX to request a refund. I called Ally again the next day, this time for 57 minutes. At first the representative was telling me that it was another intermediate bank other than XXXX that charged the fee. After I told her that the previous supervisor told me it was XXXX, she then told me, " Yes it was XXXX. Let me transfer you to my supervisor. '' It took a long hold and a different supervisor picked up this time ; simply apologized and not willing to refund the fee in any way even the customer was being reasonable with them. Defintely not a fair trade.
I got a car from XXXX XXXX XXXX and was sold a lemon when I first got the car. It went hot I paid to have it towed in to them to get fixed and 3 days later it started running hot again. They never did fix I had to ride around with water in my car until I could pay someone to fix it. I wrecked the car while driving it the front end fell off and I hit something come to find out they sold me the car with the front end zipped tide on to the front of the car I knew it was loose and asked them to fix but they never did when the car was wrecked I called them because I had insurance in it through them plus warranty and they never did send anyone out or have it towed the car sat for almost 2 months until my apartment complex had it towed now they have it on my credit report as a repo instead of it being wrecked I had no AC or heat they never fixed it the horn went out the door wouldn't open with keys I was sold a overpriced lemon and its not right and I had warranty yet they still didn't fix after it was wrecked after many calls and emails that I sent I gave up they didn't care the car was not a repo the car was wrecked and they never fixes it like they promised the car sat for almost 2 months they sold me a lemon I have pictures of the damaged car and emails that I have sent and screenshots of all my calls to them yet they never sent anyone to look at the damages or call me back or even send a tow truck. Now they have me down as a repo on my credit report making my score go low and unable to get another car.
On XX/XX/XXXX, I filed a complaint ( XXXX ) with the CFPB as Barclays Miles & More XXXX had incorrectly re-billed me for {$760.00} for a charge from XXXX. I requested three things be done : - This charge be revised - All associated late fees and interest charges be removed - Notification to the credit card agencies that the reported delinquencies be removed On XX/XX/XXXX, Barclays responded saying they admitted mistake on their part, and removed the charge as well as notification to the agency However, even until today, no reversals of the late fees and interest charges has been made, and a balance remains on the account. There should be XXXX balance. 

Attached file shows above from Barclays.
Debt should have never gone to a collection agency because there was no debt. XXXX did not know anything about this until I was getting a loan at the bank I have excellent credit. When I saw this collection from coast to coast for XXXX I investigated and found out alarm services turned in a collection saying I owed them XXXX for a digital monitor the equipment. I gave proof to them that both the monators were sent back and signed for by them on XXXX/XXXX/2014 with XXXX. serial numbers XXXX and XXXX Then the collection sent me an invoice trying to collect for it going to the collection agency which it should not have gone in the first place of XXXX saying this is a settlement offer. I told them that I was not going to pay for something that should have not gone to them in the XXXX place. Then they send me another invoice from coast to coast for alarm monitoring services for the amount XXXX that they are saying I owned them again. In the XXXX place I never got notice of oweing them anything in 2014 then they said it was for equiment they did n't get which I proofed to them they got which XXXX of there equiment was in XXXX package, how did they get XXXX without out the other, then they said it was canceling without notice which I gave them notice. This company has messed up my credit with there lies. I have all the paper work with this if you need it I can mail it to you I do n't know how to put it on here. I sent this to the XXXX and made a complaint to them.
After the death of my father, I went with my mother to her local branch of BB & T located at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. The purpose of this XXXX XXXX, 2016 visit was to remove my father 's name from their safety deposit box and add mine. We dealt with XXXX XXXX, Branch Manager, and XXXX XXXX, Branch Banker. The latter was XXXX who worked with us on the paperwork. On XXXX XXXX, 2016, I received an alert that a hard pull had been done on my credit. I complained to BB & T that 1 ) they did not have a legitimate business purpose for accessing my credit information and 2 ) that I wanted them to remove the credit inquiry. I received a call on XXXX XXXX, 2016 from a representative from BB & T bank. This rep stated that they did have a legitimate business purpose. She did not cite the specific part of the FCRA to which she referred, but did mention that BB & T was required by law to check to make sure I did n't have any fraud claims against me, etc. if I was to be named on a safety deposit box ( XXXX can only assume " required by law to consider an applicant 's financial responsibility or status '' XXXX although I fail to understand how it applies ). I then said to her that the check was then complete and the legitimate business purpose had ended. She replied that they had an interest in selling me further services at the bank. I told her that I did not want any services from BB & T and that its " interest '' was unfounded. She said she would put me on a " do not call '' list. I then asked why, if this is such standard practice, I was not notified upon signing the paperwork to add my name to the safety deposit box that I would be subject to a hard credit pull, which would affect my credit score. She replied that there is a " huge '' sign " three times larger '' than any name plate on every associate 's desk making this clear. I can assure you that no such sign was present nor was I cautioned as to the credit pull. I will also mention that it was not until I started this complaint process with BB & T that I was also informed that, by adding my name, I was in fact a co-owner of the box and financially responsible for it. At the time, we and XXXX XXXX seemed to be on the same page that I was simply being granted access to the box -- not a co-owner of it.
Blackhawk XXXX gift card. An on-line merchant employee took card info during a purchase and attempted several transactions. XXXX succeeded ; XXXX XXXX XXXX for {$250.00}. Blackhawk says it was a valid transaction and refuses to return the money to me.
I am a XXXX XXXX XXXX Veteran with 3 XXXX XXXX and I need XXXX XXXX XXXX. My wife of many years died and I decided to move to California where my relatives could help me. I contacted XXXX XXXX and informed them I was moving. They told me the equipment could move with me. I told them I was moving to California where they did not service. Arrangements were made to return the equipment. It was available for pickup at the time and the place I had indicated. They refused to pick it up. Now they have sent the bill to ERC for collection after I disputed the account. ERC has placed it on my credit report and NEVER attempted to contact me. I learned about the account through XXXX XXXX. I contacted them and told them I disputed the account for the above reasons and the only thing they would do is try to make me pay for equipment that XXXX apparently did not pick up. No attempt to validate the debt occurred. No attempt to validate my dispute was attempted. No attention at all to my dispute. They just continue to report it.
I applied for a Wells Fargo credit card to do a balance transfer. I asked for {$10000.00} credit and received a {$15000.00} card. When the card arrived I didnt want to use the enclosed check so I called the bank and the customer service rep helped me decide to do a {$13000.00} transfer from XXXX electronically.On XX/XX/XXXX, I find out I owe XXXX to Wells Fargo, even though I only had {$15000.00} limit. I called the bank and was told the rep made a mistake and I should call XXXX to reverse it. After almost 90 days its still not resolved, but Wells Fargo charged me 2 transfer fees, and forced me to pay $ XXXX monthly and no longer takes any responsibility for their mistake
I purchased a {$100.00} XXXX XXXX gift card in XXXX of XXXX. I put the card away and went to use it in XXXX of this year. The card is still brand new in the package and the associate at the register opened the card. This is when I found out the card had been used in XXXX of this year by someone with the last name XXXX out in California. I called XXXX XXXX and told them about this and they informed me to send in a fax to dispute this transaction. I faxed them on XXXX XXXX which showed the card in my possession. I faxed them again on XXXX XXXX from my job. I faxed them again on XXXX XXXX. I called them on today to find out what is going on with the resolution and was told that it was denied because it was outside of the time frame. I got really upset and disgusted when she told me to send in a letter of reconsideration because this happens all the time when someone buys a gift card or is given a gift card and go to use it and find out that it is empty. When she said it happens all the time is when I said to her why should send in a letter of reconsideration if you know this happens all the time. They know that I am in Georgia and that the transaction was done by someone without my name in California. I do n't know what to do at this point. It 's like I have just lost {$100.00} of my hard earned money.
Western Union ( WU ) accepts money for transfer then refuses to complete transaction. Discrimination issue : WU refuses to process transactions to XXXX ( XXXX ) for typhoon relief.
My name is XXXX XXXX XXXX XXXX. I do not owe USCB XXXX for medical bills. Somehow they are reporting it on my XXXX credit report. I believe they have the wrong person. I have attempted to have this investigated but all they want to do is collect. The bills are not mine. The accounts numbers listed are : XXXX, XXXX, XXXX. USCB does not have any listings where you can call them. They make it impossible to contact them to do anything but pay them. They only have a pay website. They do not provide their contact info on the credit reports. 
This is what their website says : " USCB XXXX is a leader in providing innovative business process outsourcing and accounts receivable management solutions to some of the largest private and public institutions and healthcare providers in the Nation. Utilizing " best practices '' and leveraging decades of experience in the XXXX and XXXX XXXX industry, USCB XXXX delivers to its clients customized, turn-key XXXX XXXX XXXX that improve cash flow, streamline workflow processes, reduce administrative redundancy and optimize XXXX XXXX XXXX ''
My property foreclosed, the was sold, the HELOC holder, SLS is still Asking me for money. When the house foreclosed, the loans was extinguished. SLS has placed it on my credit report, it is ruining my credit. SLS was offered to communicate with the primary lender at the time of foreclosure, but they refused.
despite my inquiries your company has reinserted accounts previously deleted and unverifiable. I am demanding the deletion of the accounts bellow XXXX XXXX Status Closed Balance {$790.00} Type Collection Payment Status Late XXXX XXXX Status Closed Balance {$870.00} Type Credit Card Payment Status Late XXXX XXXX XXXX Status Closed Balance {$830.00} Type Collection Payment Status Late
Good Morning to whom this concern This incident is totally about disrespect, and lack of respect, as well my name is XXXX, my wife XXXX went to the Apple bank in the XXXX on XXXX & XXXX XXXX on the morning of XX/XX/2016, just to get a letter Notarize, the Notary a XXXX woman there, was very very professional and kind and was telling my wife and I about opening an account there which we were considering, being a XXXX I have seen and felt so much issues? from all walks of life but I will always believe 1 day we all learn to respect one another, just then an XXXX woman came from another direction walk toward her desk and shouted to another worker at another desk ( while looking at me ) why she did not put her pocket book away, the other worker apologize for not putting it away, I was so offended that I told my wife I am not opening an account there, once the notary was done I told my wife outside what the woman had said, she said that she was talking to the notary and did not hear everything and she wanted to go back in and say something to the woman but I told her no, that I a will write an letter to the President of Apple Bank, The woman who made that remark ( Manager or Not ) should be reminded words can hurt and be offended and profession is required by all Levels Thank you for listening XXXX XXXXXXXXXXXX The service do not give me an option box to click on so I will click on Management because she was woman was on higher than a teller level My number is XXXX I do not wish for her to be fired just remind her to stop judging. Thank You again
XXXX XXXX XXXX, XXXX does not have a XXXX XXXX XXXX credit card and he has not lived a XXXX XXXX, XXXX, AL. Would appreciate having this corrected. Look forward to hearing regarding this correction.
I have only been at my current job for XXXX months at XXXX months I received notice that my wages were going to be garnished and I contacted allied who is the collection agency and told them they were n't supposed to garnish my wages until I had been at my job for XXXX months they called me a liar and continued with the process if garnishing 15 % of my wages ... At XXXX months at my position I called them again to tell them they need to stop garnishment and I wanted to set up a payment plan ... They gave me XXXX fax numbers that did n't work as a means to give them my tax forms to work out my payments and sisd they would contact my payroll department and stop the garnishment and they still have not done so.
XX/XX/2016 XXXX, Please assisted me regarding this matter. I have filed XXXX consumer protection complaints : XXXX ; XXXX ; how can we kept giving the crooks more lead way than the people with integrity. This company has engaged in deceptive trade practices and attempted to engage in theft by deception. 

I have filed XXXX complaints against NCC Services for trying to collect debt on a fraudulent insurance claim that can not be validated since the old company, XXXX, XXXX XXXX, XXXX., XXXX NV. personnel, committed an insurance fraud scheme by charging me with damage to my apartment after I moved out. This company forged my name and stated they I owed them a combine total of almost {$2500.00}. They produced no pictures of any damage and I was notified XXXX months later once I returned back to XXXX to address the foreclosure hearing on my property in XXXX. I showed the management the foreclosure notice and they said that they wish me luck. In XX/XX/2016, a loan XXXX tried to force me to not dispute the fraud in order to re-financial my current property in XXXX. I refused. See letter. XXXX weeks ago, this collection company which used XXXX names : NCC Services and National Collection Services demanded the {$2500.00}. See documents. I am trying to purchase a new loan and I do n't have time to wait 60 days for a company that has no license in Texas to attempt to collect fraudulent debt, unable to validate the debt since the old company XXXX was bought out XXXX years ago by XXXX XXXX, conspired to put this fraudulent account on my credit report, unable to produce a contract assuming the fraudulent debt, and uses XXXX names to committed this collection fraud. This is clear cut deceptive trade practices and fraud by the collection and XXXX. I have filed a police report for fraud in XXXX XXXX XXXX, XXXX. Please have your staff insist on validation today and delete this from my credit report. Please have an Ombudsman contact me at XXXX if they can expedite this matter. 

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