WillisBack/dataset-financial-user-claim huggingface dataset:
On Saturday, XX/XX/XXXX - I made a furniture purchase at our local furniture store. I requested a credit limit increase with Wells Fargo Home Furnishing Credit Program, an account that I have had open for many years. The credit limit was increased as requested, however not for the amount of the purchase. In good faith I paid the difference in cash. However, I opted to contact Wells Fargo on Wednesday, XX/XX/XXXX to request reconsideration of the credit limit increase to prevent the card from being at 100 % utilization. Wells Fargo advised me that the only way to request a reconsideration was to repull my credit report. The representative also steered me to believe that I needed to state additional income of my spouse on the application for reconsideration in order to be a approved. Being that I needed the reconsideration and was under the impression that the additional income would help the outcome, I approved Wells Fargo to repull credit. I was advised to follow up 30 minutes later. When I followed up 30 minutes later, I was told that I was declined and they were unable to advise me a ) of the decline reasons b ) if they repulled my credit a second time. I requested to speak with a manager and they were unable to answer either question ; however shared that I may request a 3rd reconsideration if I permitted a 3rd repull of my credit report. I then notified them I was reporting Wells Fargo to the CFPB and was sent to an Executive Escalation contact who was unable to assist with my reconsideration request or provide any insight as to the reasons for the decline of credit. 
I feel this is not only predatory by requesting a 2nd and 3rd credit report but also that I was targeted and steered to list additional unnecessary income when my DTI is less than 20 % of my total income for a credit card. It is not acceptable for any financial institution to repull credit arbitrarily and impact FICO scores for up to 2 years. I feel that I was mislead, taken advantage of and given no explanation for the decision and hope that I have recourse in this situation.
American Express Serve has t heir call center in the  XXXX . I filed disputes two months ago for  XXXX  charges. The representative apparently forgot to do it? Called back three weeks later to get a status and they said it was not even disputed! So I started the dispute process ( FOR  XXXX  UNAUTHORIZED CHARGES FROM THE SAME COMPANY THAT I CATEGORIZED FOR THE INCOMPETENT PERSONAL ), again waited anothe r two weeks. Three  days ago  XXXX  other charges were finally provisionally credited. BUT THEY FOR GOT  XXXX  OF THEM! They are making me waiting again so since  XXXX   XXXX ,2017 and it is  XXXX   XXXX ,  2017 . Do n't they have a limit  of 30 -45 day s were they and LEGALLY HOLD CONSUMERS OWN MONEY? I have had it with Fraudulent banks that went from mortgage fraud to insufficient funds charging fraud, to fake account opening fraud. Nobody did anything about that. Also. they purposely hire the worst people for customer service.  Poor  people that present a language barrier and they wonder why there is identity theft ... Needless to say this is another one of my rants that you will do nothing about. your pretty much thee same as them LAZY.. this is just an email forwarding middle man site to pay a bunch of more worthless salaries, while there are actually real smart people that work with pride and are jobless getting hung up on by uneducated low-income accepting incompetent workers. So t o American Express,  not that you give a blank about anything but holding poor peoples money. Your customer service is horrible THERE IS NOTHING EITHER AMERICAN OR EXPRESS THAT YOU PORTRAIT. HAVE FUN EATING CHIPS AND SODA AND HANGING UP ON PEOPLE.     CFPB, NO NEED FOR A RESPONSE, SINCE YOU HAVENT DONE A  XXXX   XXXX  THING ABOUT ANY OF THE COMPLAINTS. I WOULD KEEP IT PROFESSIONAL, ONLY IF I WAS DEALING WITH PROFESSIONALS.     TAKE SOME COURSES ALL OF YOU AND BOOST UP CONSUMER RIGHTS.
I took a friend to wellsfargo bank to open an account, during that process I went out side to take a phone call, during that time the bank manager ask me friend all kinds of inappropriate questions about me. I feel like I was profiled for no reason. Then months later I go to the same bank and I needed help so I waited for a teller to get off phone as I waited that same manager aproched me and asked me if I needed help I told him no and that I was fine. Then basked again I told him no I will wait for someone else ..then he proceeded to demand that I let him help me in firm voice that made me not even want help anymore I jus wanted to leave at that point ..so I left and 3 days later I went back to bank to take out money to pay my rent and they then told me that my account was frozen..I asked why and no one could tell me, I then called the toll free number and spoke with several wellsfargo reps and supervisers, still no one could tell me why my money was being held..they all said I had to speak to a bank manager named XXXX which is the guy who has been harassing me , come to find out threw many phone calls, he is the one who put the hold on my account! It was done for personal reasons all because I refused his help and he took it personal ... And it 's almost three weeks later and I still ca n't access my money ..I have XXXX children that I ca n't feed and several bill that are over due because of this man abuse of power ... I need answers!!!! Thanks
This issue started when I applied for the XXXX credit card as a promotion offer they mentioned to give 100 $ cash back when spend 1000 $ or more in the first three months. 
I did it and received the cash back bonus but in the mean while I have received so many letters saying that i would be given 250 $ when spend the 1000 $ as a welcome gift but when asked about it the XXXX guys opened an investigation and took almost 2-3 months saying that the issue will be resolved. But the customer representative when contacted keeps on disconnecting the chats and is trying to avoid the chat with me but when finally I asked for it they say that I was not eligible for it and when asked why?. They did n't give me any appropriate reason. This was so misleading by them that i was expecting the 250 $ cash back at some point of time. BUT THIS IS LIKE A KIND OF CHEATING OR FRAUD BY THE COMPANY. if I was not eligible for that offer then why the XXXX they should send me a tons of mails saying that i would get 250 as an offer. This is completely disgusting and they are not at all bothered about customers and their concerns. I am writing this only to make more people aware that not to fall in any kind of traps, frauds or misleading adds given by the XXXX.
On XX/XX/XXXX, I attempted to pay my rent for my business office space ( {$1400.00} ) as  requested by my landlord, he specified that the had an account set up with Chase Pay with XXXX and provided me his company name. I went to the pay page on Chase.com ( as I am also a Chase customer ). There no instructions on the page or disclosures about how this worked, just a space for an Name, mobile number or email. I put in the information ; Name and email ; and it stated it was pending and would send notification. After 8 days it did not got through, and I assumed that it must be wrong information and was not able to be verified. Since I am in another state, on XX/XX/XXXX, I attempted to send again using the mobile number of my landlord and company name. The transfer stated completed immediately. I contacted my landlord on XX/XX/XXXX and mentioned that the funds had transferred and he informed he had not received the money. I logged into my account and upon closer inspection realized that I had erroneously entered his mobile number. I contacted Chase that day as the wrong number obviously is registered and they would have a way to track where they money went that was clearly intended by name to my landlord. Chase informed that they had no liability in this situation, this was a user error and they do nothing to verify account information ( name and phone/email match ). They also told me that they would try to recover the funds but they would not file a claim nor would they pursue using their resources to get the contact/account information of the account holder that was given the number. Chase Pay with XXXX markets itself as a " safe secure '' way to send money but does not provide any protection in the event of the money going to the wrong person. Clearly Chase also endorses this as a safe way to transfer and yet has no process for safety or security to ensure verification of an account by name. There should be some type of guarantee when using your own bank recommended way of transferring money that the money is not going to the wrong person or if the wrong person fraudulently accepts this money without their name on it, the bank will pursue getting the money back in the same way they would if someone cashed a check sent to another name but to their address. There is no way to contact XXXX and Chase has not attempted to do so for me in case the money has not even been delivered. Clearly we have the contact information for the person who received the money and they must have a registered account with XXXX in order to get the money sent to them so the tracking piece seems like it should be easy but Chase says I am just out of the money. 

Marketing as safe way to send money but no protection by your own bank No guarantee the money reaches the intended person 's account I do have copies of the transaction, amounts, numbers, recipient name etc..
On XX/XX/XXXX I received a call from Holloway Credit Solutions, LLC in an attempt to collect a debt. I spoke with someone named XXXX who told me I owed {$1300.00}. I told her I did not owe that amount. She continued to tell me I did and I asked from where and to who. She stated it was submitted to them by XXXX XXXX for the date of service XX/XX/XXXX for my daughter XXXX. I told her the bill was not that much but she insisted that it was and was submitted to them for that amount. I actually had a copy of the bill and she told me that was not the correct amount and that I would have to pay the {$1300.00} in full or they would report it on my credit. I have a copy of the actual bill amount attached.
In XX/XX/2018 I reported fraudulent activity on my checking account. Someone charged over 1500 dollars using my debit card. Bank of America had even flagged my account for fraud, yet they are now claiming I authorized those purchases and want to take back the amount credited to my account. The card was not stolen and yet my PIN was used, according to the bank and they did not alert me.
I was informed that AD Astra recovery service is appearing on my credit apparently it has been reported to the credit bureaus since XXXX of XXXX. I am currently in the XXXX and never received notice of the debt. I am currently stationed away from home and left my mother in charge of my finances. She is the one who informed me of this negative report on my credit report. My mom has informed them that I am currently unavailable due to my deployment. She also informed them that I fall under the XXXX. She was told there is nothing that they can do for me.
Dear CFPB & Department Stores National Bank : I am writing to inform you of unfair billing and debt collection practices. As a result of these practices, to dispute all interest owed and late charges owed on the account, and corrections of any late reporting. 

Background : Sometime last year, Macy 's changed credit card providers. They sent me a new credit card issued by DEPARTYMENT STORES NATIONAL BANK, pursuant to a license from XXXX XXXX. I started receiving collection calls from " Citi '' in XXXX XXXX, and twice requested statements. The first statement I received was backdated statements from XXXX XXXX though XXXX XXXX, and postmarked XXXX XXXX, XXXX. 

Purchases Made : At the time of the new credit card being issued, I had no purchases on the account. I did make XXXX purchases on the account, both at Macy 's ( XXXX XXXX and XXXX XXXX ). 

E-SIGN Consent Not Provided : As I did not activate the credit card, it is not apparent that I provided consent to receive electronic statements. Nor have they been able to provide me this electronic consent. They consistently ask me to go into Macy 's account to activate and receive the disclosures. They have stated that they are provided to my email address, however they are not able to disclose the email address that they are provided to. I have not received any electronic disclosures. 

TILA Billing Statement Not Received Timely : A billing statement was not received, either electronically or in paper format. I requested these statements twice in XXXX, and received by me on XXXX XXXX, XXXX. Without the billing statement, I was not able to pay or dispute any amount owed. 

Fair Debt Collection Action - Unfair Collection Practices : A company started calling on behalf of Macy 's beginning in XXXX XXXX. I spoke to them in early XXXX, and in XXXX. Both times I requested a copy of the statements. They introduced themselves as " Macy 's '', " your XXXX XXXX XXXX '' or " Citi ''. The phone number they call from varies, and they call at all hours and multiple times a day. They call as early as XXXX PST and as late as XXXX PST, 7 days a week, up to five times daily. I repeatedly ask for a copy of the statement. 

My credit score as of XXXX XXXX was XXXX. I work hard at paying my balances in full monthly, or more than the amount required. As a result of no billing statement being received, no apparent E-Sign Consent provided, and unfair collection practices, I am requesting the following : Remove all interest and late charges from the account. 
Remove any delinquent reporting with the credit reporting bureaus in accordance with the requirements of the Fair Credit Reporting Act. 
Close my Macy 's account.
I have tried to dispute an incorrect inquirie from XXXX on my credit report. Transunion will not allow me to file a dispute and have told me several times that I need to get a deletion letter from XXXX. XXXX keeps acknowledging that they do have an invalid inquirie on my report as I do not have an account with them. They have told me that they have filed an incident report but being that I do not actually have an account they is nothing to keep record of. They have been apologetic but keeps telling me that transunion can only remove it and they cant do anything though they are aware that I do n't have an account. Transunion tells me that it is XXXX responsibility to resolve the issue but then XXXX tells me that it is transunions power to do so. the process has continued for weeks
Coinbase - GDAX. 
On XX/XX/XXXX I initiated a trade on the platform which I have been an active user of since XX/XX/XXXX. When I tried to make a trade I received a notice saying that transactions have been XXXX. My account froze and I am no longer able to access it at all. 
I called customer support and was told that they don't know why, they are Coinbase support and not XXXX but they would escalate it and email me the phone number of XXXX support. The email I received reads as follows : Case # XXXX Hello, and thanks for reaching out. 

Ive taken a look at your account and it appears that you are not currently eligible to create a purchase order. This restriction may have been applied in error. 

Ive just escalated your case to our subject experts who will be completing a review of your purchasing eligibility shortly. 

You will receive a notification email if were able to restore your purchasing ability. Please note that while these reviews are typically completed within XXXX business days, it can sometimes take longer depending on our current case volume. 

For security reasons, Coinbase can not guarantee eligibility for every account. If your account has experienced chargebacks in the past this, as an example, can impact your eligibility. 

Thank you for your patience and understanding as we complete this review. 

This morning XX/XX/XXXX - I called support again and was told they had no answer. 




As of now - I have no access to the funds in my wallet- ( {$12000.00} ) and I can not get an answer from anyone as to why - when I did nothing out of the ordinary to trigger this activity.
Lease is up on vehicle, I inquired about purchase option with Ally Financial. They are not recognizing the purchase option amount in my contract ( equal to residual, with no fee for purchase option ). The amount they quoted was 2,500 higher than the residual value stated on my contract.
Equifax Confirmation Number : XXXX. Equifax has reinserted previously deleted information ( i.e., previous address ) and this is a major violation. Previously deleted information is governed by the Fair Credit Reporting Act ( FCRA. ) The FCRA requires a credit reporting agency to notify me no later than five ( 5 ) days after the reinsertion. I was never notified of such reinsertion. Additionally, the creditor who reinserts the item must also certify the information is correct. Reinsertion of previously disputed information is governed by FCRA 611 ( a ) ( 5 ) ( B ). Equifax is well aware that a extended fraud alert and security freeze are in place on my consumer file and such measures should prevent previous deleted information from reappearing in my file. Equifax is very well aware that my information has been mixed with someone else who has a similar name and measures should be in place to prevent my file from continuing to be mixed with another individuals information. I want to be very clear that I have only one name, one social security number and one address. My Equifax file should only reflect such information. There should be no previous address in my file. The only address I have lived at is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. Please refer to the attached copy of my driver license as proof. The following address does not belong to me, I have never lived there and it should be deleted from my file immediately : ( previous address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Reported : XX/XX/2018. ) Please provide me with the source verifying this incorrect and mixed address. Please provide me with the method of verification for obtaining this mixed address. I have attached a copy of ReInvestigation Results from Equifax showing the previous address listed above was deleted because it was " mixed. '' Attachments : Driver license, social security card, equifax reinvestigation results from XX/XX/18, Equifax credit file from XX/XX/18.
Approved for permanent modification with ocwen loan servicing, One day you call them and they say there are no fees owed.. The next day you call them there are fees. Inspection fees ... .What are they inspecting? and why do they charge me for this. Additionally, paid all trial payments on time, credit report reflects current for those months. After trial period was over still making payments now credit report says 180 days past due. Called ocwen and they say I 'm current. Their own website does n't even reflect this it says I 'm XXXX past due. Who am I supposed to believe. Need to hire lawyer in order that they accepted my documents for the modification. They turned down the documents XXXX times before I got the lawyer and threatened to sue. Getting really tired of dealing with this company. They are very unorganized to the point that it 's obvious. There are so many discrepancies for my account on their website that it 's laughable .... There are numerous different amounts stated that I owe. Let me see ... Eeny, meeny, miny, moe which one shall I choose. Only in business to rip good hardworking people off. This company is a joke
I have notified Equifax since XX/XX/XXXX2017 that there were two medical debt accounts reporting on my credit report from XXXX, one in the amount of {$18.00} and another in the amount of {$430.00}. I contacted Equifax and advised them that I do not owe the debt and that the original creditor said they will bill my insurance company. Equifax stated that I needed to dispute the account, I disputed the account and Equifax then responded saying the debt is valid and to contact XXXX. I contacted XXXX that advised me that they were not aware that the account did not have a balance and to contact the original creditor. I contacted the original creditor that stated that they will notify XXXX that I do not owe a balance and to remove the account from my credit file. I then contacted XXXX. XXXX then stated that they received notification from the original creditor that there was no debt and to remove the information from my credit file. I contacted XXXX to request documentation to confirm that they have requested the deletion. I received documentation which I then submitted to Equifax as proof that the information on my credit file is inaccurate and to remove it. Equifax has since denied my request stating that the company has not sent them a request to delete the information from my credit file. I contacted Equifax on XX/XX/XXXX and spoke to XXXX ( Provided ID # XXXX ) that stated that she was a supervisor at Equifax and that Equifax can not remove anything from my credit file and that even though I have submitted proof that the information is inaccurate they do not have the ability to remove it.
We sent the following email to the Flagstar Class Action Settlement email and received no response, after reaching out to a Flagstar Banking Representative on XX/XX/2018 and we received no response or follow-up and are requesting that our checks be reissued for payment : Hi Flagstar Overdraft Settlement Dept, We just received the following checks in the mail on today and would like to please request a  reissue of the the checks, since you have cancelled the settlement checks from being negotiated after 60 Days : 1. Check # - XXXX - {$80.00} - Dated XX/XX/2018 2. Check # - XXXX - {$13.00} - Dated XX/XX/2018 We reached out to The XXXX XXXX XXXX  on this morning and they stated you would reissue the checks. 

Again, we received these checks today - XX/XX/2018 from the following address : FLAGSTAR BANK OVERDRAFT SETTLEMENT XXXX XXXX XXXX XXXX OR XXXX Also, your Postage was Dated on XX/XX/2018 and Stamped by an Internal System XXXX XXXX U.S. Postage. This is the same date as the Check Date. Was this purposefully done internally by Flagstar and held for 6mths to withhold Settlement Dollars? 

We truly appreciate your time and consideration and look forward to hearing from you.
I requested a loan modification in XX/XX/XXXX or XX/XX/2017 and now after a year, I am being charged a past due fee of {$110.00} for a property evaluation they did. I was never notified, no authorization and no notification that I will be responsible to pay for this evaluation. First time I heard about this was when they added this past due in my mortgage statement in XX/XX/XXXX. Called to clarify what was this all about and this is what they told me, that a property evaluation was needed because I applied of a loan modification and that they need to know the value of my property. They denied me flatly at that time because I was not in default on my mortgage payments. So what is the point of the evaluation when they know they will not approve it. I called several times for them to take this out but they said they will not. Is this legal for them to charge me this? Wondering if this is a new rule that property owners asking for loan modification have to pay for something that they don't know about, that lenders can just do whatever they want without requesting for approval and then ask property owners to pay for it? As far as I know, when someone applies for a loan modification, they are not to pay anything regardless.