WillisBack/dataset-financial-user-claim huggingface dataset:
this is an ongoing complaint with Wells Fargo complaint # : XXXX. A XXXX from wells Fargo contacted me and assured me that she will do a complete investigation on the concerns I brought to her attention. Shortly there after another representative contacted me to start yet another loan modification process. On XXXX/XXXX/16 Wells Fargo requested another 60 days to address this matter. But a letter sent to XXXX XXXX dated XXXX/XXXX/16. States there decision has already been made and state we have review this in the past and we see no reason to review it again. XXXX XXXX was denied the loan Modification for to produce paperwork required. Which XXXX XXXX approved the mortgage and stated he need to show proof of residency which was supplied then denied stating he changed his address just to get the loan modification. So how can they deny on the fact no significant changes when he was approved and also stats the are doing a full investigation and require a 60 day extension and have made there decision on XXXX/XXXX/16. This is clearly age discrimination which is against the law. when you supply all documents get approved then denied are told he will be fully investigated and your reviewed team refuses to even look at all the facts to see he was approved. Which confirms are suspicions. This company need sto start being honest with the consumers and telling the truth and working together with each dept and the consumer to work out a resolution instead of being so anxious to throw a XXXX year old XXXX Veteran into the street instead of with his family where he belongs. Reading all the notes you will see where my comment is coming from and understand working on a loan modification while your attorney is back dooring a lis- pendens without even notifying XXXX XXXX
Equifax 's databases were left unsecured and my information was stolen by hackers. My identity has now been compromised.
I submitted a complaint for Commonwealth Financial Systems as they reported to all three credit bureaus # XXXX for the amount of {$1200.00}. The case was closed and the reports were removed just to reappear on XX/XX/2017 for a different amount {$590.00}, I just git remarks removed from XXXX as Im going the mortgage loan process now Commonwealth Financial Systems has placed those same negative remarks back on my credit report. I do not know how Commonwealth Financial Systems obtained my information. These fraudulent debts are not mine.
On XXXX XXXX, 2016, Transunion Credit Bureau was issued an order for deletion through the XXXX system used by XXXX. Transunion still refuges to remove both debts from my credit report. I have spoke to them 30 times even XXXX faxed deletion control numbers to them. Please help me get these XXXX debts removed : XXXX for XXXX for {$17000.00} and {$550.00}.
[ See ATTACHED Credit Item from my Credit Report ] ... This month, XX/XX/XXXX, a Collection Account for {$1300.00} from Southwest Recovery Services was placed on my Credit Reports ; Collection Account # XXXX, with a opened date of XX/XX/XXXX. The ORIGINAL CREDITOR shows as XXXX XXXX XXXX XXXX. I have NO KNOWLEDGE of ever doing ANY business dealings with XXXX XXXX XXXX XXXX. Additionally, I have NEVER received any WRITTEN DEBT VALIDATION from the Original Credit or the Collection Agency.
Hello, I opened up a virtual wallet checking account with PNC on XX/XX/XXXX I believe. I opened it up with a promo code attached to it that was " Get {$300.00} if a {$5000.00} direct deposit was made and XXXX debit card purchases were done. '' I fulfilled those requirements. I chatted with a PNC customer service representative named " XXXX '' on XX/XX/XXXX about it. I will be attaching a screenshot of the conversation. However, he acknowledges that it is active for my account. I waited the required 60 days and my bonus never posted to my account. I chatted online on XX/XX/XXXX with a " XXXX '' ( screenshot is attached ). She says that I do not have a virtual wallet account anymore and my savings account is closed out. I was confused and never asked or was informed by PNC that my account was being changed like this. XXXX says I am not eligible for the bonus now. It seems like PNC is trying to avoid paying out the bonus. I
I am writing today in hopes to gain your help. At the present time I am working on going over my credit, paying down my balances, and working toward greater credit worthiness. You play a very important role in this procedure. I am asking about the account number referenced in this complaint. 
I see you have reported me 30 days late to the credit bureaus ( XXXX, XXXX and XXXX  ) on XX/XX/2018 and I am submitting this in order to get this remark pulled back. I had believe I had made all my payments on time, the only thing I could imagine, is that my statement didn't get to me in time.
I am having to submit a new complaint for Regions Bank - please see original complaint [ Case number : XXXX Below is my new complaint ( following my previous complaint ) : Initially, I filed a complaint ( with you ) against Regions Bank - and they ( initially ) investigated the transaction and refunded our {$590.00} back into our account - and also sent a letter to you ( CFPB ) confirming that our funds were reimbursed. However, recently - this bank has gone back and reversed this transaction and again took/debited {$590.00} from our account. When we called them on the phone to inquire - they stated that it was because someone overlooked our " supporting documents '' for this transaction ; then they apologized and assured us that they would " most definitely '' place the funds back into our account ( within 1 to 2 days ). However, these funds have not refunded. When we called to inquire about the delay with our refund, we were informed that although there are supporting documents to validate our claim - that they have " changed their minds again '' and suggest that we " go to the merchant '' When we explained, that the " merchant '' should have never even been permitted to take these funds in the first place, since the bank had been notified " prior '' to the merchant 's transaction ( that the merchant WAS NOT AUTHORIZED ) - and also that their bank had cancelled and shredded our debit card to prevent this transaction from happening ... ... a representative from their " Consumer Solutions '' department ( kindly, and without hesitation ) filed a written complaint on our behalf and " escalated '' it to another department. In the meantime, we are patient and inconveniently waiting for these funds ( {$590.00} ) to be placed back into our account. ( PLEASE VIEW ATTACHMENTS - " Regions documents '' ).
Discover Card, after their initial provisional chargeback credit, reversed their decision in merchant 's favor. Then, upon presenting incontrovertible evidence, they re-decided in my favor. Based upon fraudulent representations and so-called policies which were never presented to cardholder and which were certainly never agreed to or even seen, Discover incorrectly re-decided against cardholder. Merchant was untimely. Merchant presented irrelevant, unilateral, and fraudulent documentation. Cardholder then presented even more overwhelming evidence against merchant, but Discover decided to be a mere merchant lapdog. XXXX XXXX ( XXXX ) charged cardholder for services not only which were not satisfactory, but cardholder maintains were fraudulently never even rendered. Discover has not followed their own Dispute Rules Manual and other dispute procedures which is posted online. Discover is not in compliance with Regulation Z of the Truth in Lending Act and/or Regulation E of the Electronic Fund Transfers Act, as applicable.
I have no problem paying the assessed fees. My concern is when you are on the automated system and you are paying your loan, the message states the amount includes any fees that are owed. You submit the payment with the impression that the fees are paid. I found out today that the fees are still outstanding. The employee I spoke with indicated that " sometimes the system does not pay the fees and applies the amount to the payment. '' I have still received benefit, I understand that. But, you think the fees are paid and then they are not. At the end of the loan you could have several fees outstanding that you think are paid based on the fact that the automated system said they were. I think this is a deceptive practice and could cost a consumer at loan of money at the end of the loan if they were not diligent. Yes, it is the consumer 's responsibility to read their statement, but the practice should match what their system said is going to happen. Please have Chrysler Capital update their automated system to match their business practices. The employee I spoke with today said that she would have to submit a request to have the funds moved, so they will correct it, but it should not happen that way. As I stated, I feel this is a deceptive act under the UDAAP guidelines, as the consumer could end up paying additional money as they thought the fees were paid and if they just move the funds to cover the fees, it could change the payoff amount at the end of the term. I did explain to the employee that I felt this was deceptive and I would be filing a complaint with the CFPB.
I have a mortgage loan with Amerihome Mortgage. In early XXXX, they sent me a check for the amount of my XXXX payment with a note stating that my loan was transferred. When I got someone on the phone, they gave me a number to call. I called and they refused to talk to me -- said I had to call back. I believe that they intentionally did this to get a late payment on my account so that I could not HARP refinance. I have sent XXXX payments to these fine folks ( XXXX and XXXX ), but they refuse to remove the late payment from my credit. I have filed a complaint with the XXXX and now with you. Please let me know if I can get any help with this problem. I still have the note that they sent with my check and will try to get a copy of the check ( I deposited the check to cover resending the payment ). 
Thanks and XXXX 's Blessings -- XXXX XXXX XXXX ( XXXX )
My student loans has reappeared on my credit report with a balance without a 5 day notice which is against the FCRA. These loans were paid in full and the credit bureaus has resubmitted them with balances without my knowledge.
On XX/XX/XXXX I wrongly deposited a check for {$50000.00} at a Citibank ATM machine to my credit card account instead of my checking account.. I called XXXX XXXX XXXX credit card that same day and was told it would take 3-5 days for the check to clear and for them to transfer it to my checking account. On XX/XX/XXXX I called again and was informed that due to the large amount of check, it was 5-7 business days not 3-5. They said the latest it would be was! XX/XX/XXXX. I called on XXXX and was told the transfer would take 5-7 business days from XX/XX/XXXX not XXXX which was the first day I requested it. They now say the funds will be transferred to my checking on XX/XX/XXXX which will be 10 business days from my originally request of XXXX.
Unbeknownst to me, while on vacation in XXXX, for 4 weeks, an automatic payment to XXXX XXXX XXXX XXXX XXXX scheduled on the XX/XX/XXXX was returned due to insufficient funds on my account. 

Upon returning from vacation, my investigation on my account led me to the conclusion that because of the bank imposing a hold on a check I deposited resulted in this event. 

In this age of technology commerce, banks should not be allowed to hold funds longer than a day. The funds can be easily verified by making a call to the institution. My bank is local, therefore, it makes no sense on holding it for that long. 

Another note for Golden 1 to consider is that I have been a long time member and I have my pay check direct deposited to my account. 

I'm asking Golden 1, as an act of good faith, to indicate a technical errors caused the funds to be unavailable
The fowlowing information Im attaching Is to provide the complaint concerning the Home Depot request for payments they had.my payments made in store but have not corrected the problem. They Requested copies as though they did not have the information that was a false Statement attaching proof.
Experian reports credit scores way different to different lenders. This is causing me to not qualify for a lower interest rate. I subscribe to XXXX XXXX credit reporting plan and my score there is XXXX this puts me in the excellent category. It 's been that number for a year. I go for a car loan and XXXX XXXX tells me it is only XXXX causing me to pay way higher interest rates. I call Experian to find out why the agent will not even talk to me unless I pay {$35.00} to pull my report! When I complain he tells me I can go online and get it for {$7.00}. I go online, pay the XXXX and it says my score is XXXX. This is a scam and Is costing me and obviously money in higher interest payments. Experian needs to be investigated and fined. I also need to have them report my true score of XXXX as they report to me.
I am a victim of identity theft. Today my credit monitoring service alerted me to a collection account that was just added to my credit profile. The collection account is : Midwest Recovery Systems which is a debt collector collection a debt for the original creditor " XXXX  XXXX XXXX ''. 

I have never done business with XXXX XXXX XXXX or heard of XXXX XXXX XXXX. A quick look at my credit report shows zero late payments for any accounts and only one negative account which is this collection account. 

Several years ago my office was broken into and several identity documents were stolen. Included was my driver 's license, my passport and my social security number. I filled a report with my building 's security and then later after my identity was stolen I hired an attorney who had my file a police report. Several bank accounts, credit accounts and even a penthouse apartment lease was executed in my name without my knowledge. All of these accounts have been investigated and removed from my files after outside investigations. 

I have attached a copy of the affidavit of identity theft affidavit and the police report. I have also attached copies of letters from XXXX XXXX XXXX regarding bank accounts opened in my name fraudulently and a letter from an apartment complex where someone had executed a lease in my name without my knowledge, approval or authorization to back up my identity theft claim. All of these documents have contact information on them if any party needs to verify any of the information. 

This debt collector and original creditor may only contact me in writing either through the CFPB portal or through the mail. This debt collector and the original creditor may not contact me over the phone, all communication must be in writing.
XXXX ( parent company, Sterling XXXX Company ) is reporting information on you consumer file that is inaccurate and surpass its statue of limitations governed by the FCRA and the FTC. This company is reporting information about me with false information disclosing this falsified information to my employer. This company is indicating information from XXXX TWENTY SIX ( 26 ) years ago just because my name matches their database. Additionally, they are reporting information that is almost TEN years old on a name match in the State of New York, XXXX XXXX. I am requesting they cease their abuse and clear violations of the FRCA.
My wife XXXX XXXX XXXX sold, closed and funded a home which we previously owned at XXXX XXXX XXXX, XXXX, Texas XXXX. The home had been financed by Seterus Mortgage, loan number XXXX, and the loan was paid in full on that date and all proceeds paid over to us over and above the sale price to the new owners. From XXXX XXXX, XXXX to today 's date, XXXX XXXX, XXXX, Seterus has not removed the item from our credit report, showing paid in full.
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft, CFPB please step up and eradicate Bankruptcy chapter XXXX-dismissed XXXX
I looked into a loan from XXXX XXXX. Unbeknownst to me, they sent my inquiry to them out to several other companies. I have never heard of some of them. Out of 10 hard inquiries, I only know of one that I actually applied for.
I have several credit cards through Capital one ; I always make my payments online through their website, there have been several times when I have paid my due payment on the payment due date and have still been charged late fees and other fees. Their customer service reported to me, that if I dont pay the due amount by XXXX XXXX  on the due date its considered late and they charge me a late fee, many times its only a few minutes past XXXX XXXX. I dont think thats fair, I have several other cards Through other banks and none of them do this .. capitol one is the only credit card that does this. Over the years Im quite sure this has costed me hundreds of dollars in fees. Is what they are doing legal. 
My card numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Please see the following case numbers XXXX. 
# XXXX - # XXXX USAA finally gave me new credit cards and re opened my accounts. However, I was told that I had a " collection '' code attached to my new cards and I would not be able to use them. The company is so big that the person who opened and made my account available did not remove the negative red flags that were attached. Again I was on the phone for hours trying to work on this yet again. More wasted time. So if my accounts are in good standing and I have never been late. Then they should now be useable. They even sent me new cards. Also, I even offered to show proof of income. I want the codes removed from my cards so I can use them. Also to make sure nothing negative is reported to my credit report. This has been going on since XXXX, XXXX, 2015.
XXXX XXXX called my fianc when the auto-payments I had set up had not been processed leading to several past due payments. In the phone call, they told him the exact balance of my account and how much was due at that time.

They have also called my fathers number multiple times looking for me, even though they have my location ( address and phone number ).

I had received no phone calls or letters dictating that I was past due.
Equifax said : Explanation of closure I have a confirmation from Equifax " please see below " From XXXX XXXX 2016, however, this item still not reporting on my Equifax credit report. 
" Equifax has reviewed your complaint and its records regarding your dispute. XXXX XXXX should begin appearing on the credit file within the next 60 days. Written confirmation has been sent to you. ''
I have had XXXX and have been covered fully since 2012. I have faxed proof, contacted several times and it never gets resolved but is continuing destroying my credit score.
Tradeline : XXXX XXXX Bank Experian properly addressed my concerns and corrected this account 's historical information when completing the previous dispute process ( CFPB Complaint # XXXX ). However, in correcting the historical information, as requested, Experian changed the payment status of the account from the correct status of 'PAID, WAS A CHARGE OFF ' to " DEROGATORY / CHARGE-OFF ''. This new status is misleading as there is now no indication on my credit report that the account has been paid in full. 

Please either return the payment status to 'PAID, WAS A CHARGE OFF ' or otherwise notate the account as PAID. 

Thank you. 

Please note : I was unable to open a new dispute for this account via Experian 's online portal because it had recently been disputed ( though for a different reason ).
Diversified has called my office on multiple occasions from different numbers attempting to collect a debt from someone not associated with this office or myself. 

XXXX XXXX We 've asked them to stop calling but they continue and I feel as if they are violating the FDCPA. 

Can you please assist?
I closed my account with XXXX and paid them what I owed. After return there equipment I received a bill in the mail for movies they say I did not pay for. I called XXXX and we resolved the problem, I had thought. When we had XXXX as our Internet we were not able to get any of the movies we were trying to order. XXXX was no help we soon canceled them. XXXX at the time tried to help us get these movies and we could not watch them for some reason they would not come in. We tried many different things resulting in showing that we ordered these movies. They said we would not be charged and we were not at the time. Now somehow another part of XXXX has sent these charges to collections. After explaining more than once to the collection agency and XXXX, I am getting no where still getting bills and calls to pay. The collection agency is affiliated, there # XXXX.
I purchased an item online at XXXX XXXX on XX/XX/XXXX. The item was a gaming PC that costed {$1700.00}. I checked the tracking number one day and it was marked as delivered, but I did not receive it. I called XXXX XXXX  about it looking for them to resolve it and they did not help. They told me it was out of their hands. The item was signed by someone that I do not know and I told them that. They also told me it was delivered to the house 4 houses down on the street that I live. And I do not live 4 houses down my street. They still refused to help me. I called my bank Chase to help. 3 months later on XX/XX/XXXX, I was told that my dispute was denied and that my bank can not help me.
I initially disputed an account, which came back as verified. I believe that the investigation is questionable.
XXXX/XXXXXX/2010 shows late. This account was paid and closed from collections. It listed as late to date and has been listed for more then 7 years, this is illegal. It had credit score lower then correct number and has caused damage to loan approval. My XXXX and XXXX is XXXX score whike experian ia the continual problem and non truthful reporting.
We have a mortgage currently serviced by Wells Fargo. We made a large ( 25 % ) payment of principal of the loan amount. They did not adjust our payments. We called, and it turns out, the consumer has to call Wells Fargo, request a form, have that form mailed to them, complete and return the form, and only then will Wells Fargo adjust the payments. If I had not called, they would have charged me the original amount for the next 29 years. This is something a computer will do in two seconds, and they should do it automatically. By failing to do so, they are overcharging, and misleading their customers.
At the beginning of last year, I had my credit pulled for a pre-qualification for a loan. It came back that I had a collection account with XXXX XXXX that I was unaware of. I contacted the company that was handling the debt, asked for validation, and it was removed off of my credit report. It then was resold to XXXX XXXX XXXX on XX/XX/2018 and reappeared on my credit for {$460.00}. It is the only negative collection account on my report, and as I previously stated I had no knowledge of the account at all. I have tried to reach out to the company about having the account removed, and every time I called I was spoken to extremely rudely and they demanded that I pay 70 % of the debt to have it settled. The problem with that is that it will still report negatively on my report, and the debt is not mine to begin with. I even offered a smaller amount in exchange for a Pay to Delete agreement just to get rid of it because I am XXXX XXXX military and I am trying to buy a house. They were nothing but rude every single time I spoke with them, and I refuse to deal with them any longer. I just want the debt gone and off of my report.