WillisBack/dataset-financial-user-claim huggingface dataset:
I had my Wells Fargo account compromised, I received an email alert notifying me of a change of address. I immediately called their service line to report the activity. The rep advised she was restricting access to my account. I later found that she had only restricted the online access to my account and that they had sent checks to an address in Florida so the representative failed to check for any suspicious activity. On my 2nd phone call, the 2nd representative closed my account and then advised they would send me paperwork to open a new account. The paperwork they sent was PREFILLED with all of my personal information including SSN, DOB, etc. Everything someone would need to steal my identity. I couldn't believe a financial institution could be so incredibly careless with my personal information. I have worked in the financial for 5+ years and none of the companies I have worked for would ever be so reckless with their customers.
Comenity Bank called my parents home X/XX/17 and gave information to my father as to what the call was concerning.
My husband once owned a small business in the 1980 's that went under. He paid all debts and was able to avoid bankruptcy. His credit is now XXXX and mine always has been. Every once in a while, debt collectors latch onto some old, and long since paid, bill and threaten us, knowing that providing proof is difficult after all these years, long past XXXX. ( 30 years ago! ) A new group has begun to harass us on a daily basis. " Diversified Adjustment Service '' calls every morning and leaves a voice message with their title, their contact phone XXXX, and the reference # XXXX for when we return the call. This has been going on DAILY for the last XXXX three months. They never miss a day. I thought the calls would subside once they realized we were not going to get sucked into this scam. Luckily yesterday I found this Consumer Financial Protection Bureau in our XXXX Newsletter. I hope you will get to the bottom of this. Many thanks.
I had a  XXXX   XXXX  on Monday  XXXX   XXXX ,  XXXX  at  XXXX , WV  XXXX    XXXX   XXXX  . Was taken to  City Hospital  until I was stable, then they transported me to  XXXX  Hospital in  XXXX , VA. In  XXXX   XXXX , due to divorce and health issues, filed Bankruptcy  XXXX   XXXX . Currently, trying to establish a business line of credit for my  XXXX   XXXX  and noted on my personal credit that I have a judgement from  XXXX   Medical Center  for {$1800.00} filed on  XXXX / XXXX / XXXX . Why would this not be included in bankruptcy?     Thank you for your prompt attention to this matter.
I signed up for Citigold checking account which had a promotion for XXXX XXXX XXXX miles. After meeting the requirements and confirmation of meeting requirements by Citi Bank, it has taken multiple calls and messages to get the miles posted to my account. I have contacted them again today on XXXX/XXXX/16 to sort it out and have saved the conversation and their incompetence at handling this issue even with reference to said case number. After 6 months of trying to sort this out on my own and given false promises of when my points will post, I am reaching out to the CFPB to help my case.
My joint checking account with Wells Fargo was overdrawn and I made a transfer from XXXX account to another which posted to my joint account on XX/XX/XXXX. They charged me XXXX overdraft fee of {$35.00} each for XXXX transactions stating that they overdrafted on XX/XX/XXXX. However, using my online banking account and looking at my joint checking account it shows that all XXXX transactions in question did not post to my account until XX/XX/XXXX which is the same day that my deposit posted and my deposit is posted immediately because it was just transferred from my husbands account into our joint checking account with the same bank. Put they want to tell me that XXXX checks and an electronic payment posted on XX/XX/XXXX and my online account detail show they posted on XX/XX/XXXX. Here is the proof directly copied from my online banking account detail XX/XX/2016 ONLINE TRANSFER FROM XXXX CHECKING XXXX REF # XXXX ON XX/XX/2016 {$1500.00} Expand XX/XX/2016 OVERDRAFT FEE FOR A TRANSACTION RECEIVED ON XX/XX/XXXX {$100.00} CHECK # XXXX {$35.00} Expand XX/XX/2016 OVERDRAFT FEE FOR A TRANSACTION RECEIVED ON XX/XX/XXXX {$140.00} XXXX RETRY PYMT XXXX XXXX XXXX {$35.00} Expand XX/XX/2016 OVERDRAFT FEE FOR A TRANSACTION RECEIVED ON XX/XX/XXXX {$50.00} CHECK # XXXX {$35.00} Expand XX/XX/2016 XXXX XXXX PYMT XXXX XXXX {$140.00} Collapse XX/XX/2016 CHECK # XXXX image {$100.00} Details Check Number : XXXX Posted : XX/XX/2016 Check Amount : $ XXXX : Checks Written Collapse XX/XX/2016 CHECK # XXXX image {$50.00} Details Check Number : XXXX Posted : XX/XX/2016 Check Amount : $ XXXX : Checks Written And now where on my online account does it even show any transactions of XXXX. The next transaction that shows on my account was on XX/XX/XXXX. And the notification they send via online banking in which I can not copy states that the above transactions were paid on XX/XX/XXXX, if they had been paid on XX/XX/XXXX then they would 've posted to my account on XX/XX/XXXX as they always have before.
Good Morning, For the last 2 years Experian, XXXX, and XXXX has deliberately and constantly attempting to destroy my financial well being. I 've contacted them over and over again to get the matter resolved they would delete then reinsert items thats not mine consistently. On top of that speaking on the phone to the reps they are very rude and judgmental as if I 'm a criminal when in actuality I 'm the victim of Identity Theft. I did more research about credit reports i would be an educated consumer via the FCRA and I also come to realized that even the fraudulent accounts they ( all bureaus ) allowed charge off accounts to report balances and re-ages which is a blatant violation of the FCRA. Please I just want some help to restore my life. Just want the bureaus to be fair to me
I applied for a loan with XXXX, XX/XX/2018, in the amount of {$2000.00}, through XXXX XXXX who suggested them through prequalification. I went through the process, providing this company with my bank login credentials once my banking information was entered ( populated my bank login with bank logo ), though I thought this was odd for a lender to request. Within about an hour I was denied. An account was created on their website for me, and I wanted to delete it since I would not be a customer due to their denial, which they cited as being because of " Unacceptable Bank Account History. '' I could not find a way to delete the account on their website, so I called them. A rep told me that they can not delete the account. I asked to speak to a manager, and was put on hold. The rep came back and asked before I speak to a supervisor, did I have an account that was not a " prepaid '' account. I told her that my checking account was not a prepaid account. It is a checking account that I've had for 3 or 4 years. She said it showed that it was a prepaid account that I had had less than 30 days. I assured her this wasn't true. I then spoke to XXXX, a supervisor. She said they can not delete the online account, due to federal regulations. Doesn't seem legal to maintain a login on their site for someone who isn't a customer. She didn't even know how long the account would remain on their site. I need this account deleted. I then asked her why they flagged my account as a " prepaid '' account. She then stated very plainly, that that isn't the reason I was denied the loan. She stated it was because of who I banked with. XXXX XXXX. That they don't " work '' with XXXX XXXX. I asked why that wasn't disclosed prior to me applying, which affected my credit. It isn't on their website. Nor did it keep me from applying once my bank info was entered. She just stated there was nothing she could do for me, " sorry. '' She went on to say if I had another checking account with at least 31 days of activity, they could try to get me approved. I was only denied because of who I have a checking account with. 

I would not have had my credit dinged with an inquiry had I known, or their website declined my input once my bank was identified on their website. I need the inquiry removed from my credit, and I need the account they created on their website removed.
On  XXXX   XXXX ,   XXXX   I sent a letter disputing multiple accounts to experian and asking for written verification of account. They responded sending me a letter stating verified without sending me any written proof. I then resent additional letter stating I had not gotten any proof via certified mail and fax also on  XXXX   XXXX . They again resent a letter stating verified and to contact the reporting agencies to dispute myself. They have failed to respond t o two r equests now to research and delete inaccurate accounts on my credit report. These accounts do not belong on my report and I have no written verification they belong to me. In addition, the response to the second letter was dated the day after they received the certified mail. How could you provide any written verification or any legitimate research in one day?     I Followed up with a phone call today  XXXX   XXXX  and they told me the disputes were verified and when I asked about what verification they received, the rep said they do not have to provide consumers any verification.
XXXX XXXX  IS REPORTING A ACCOUNT ( XXXX ACCT # XXXX  ) TO EXPERIAN THAT IS STILL SHOWING DERROGETORY INFORMATION THAT SHOULD BE DELETED FROM MY EXPERIAN CREDIT REPORT.

THEY SOLD THE ACCOUNT TO XXXX XXXX, BUT NEVER DELETED THE ACCOUNT WHEN THEY SOLD THE ACCOUNT. THIS ACCOUNT WAS SOLD TO XXXX XXXX  ON XX/XX/XXXX. SEE EXHIBIT ( A ) ATTACHED.

ON XX/XX/XXXX AND XX/XX/XXXX XXXX XXXX  SENT DELETION NOTICES TO ALL CREDIT REPORTING AGENCYS TO DELETE THE ABOVE ACCOUNT, ATTACHED IS EXHIBIT B & C TO SEE THE LETTERS OF DELETION TO ALL CREDIT BUREAUS.

I CONTACTED EXPERIAN, AND THEY STATE THAT ITS UP TO XXXX XXXX TO REQUEST THE DELETION OF THE XXXX   ACCOUNT # XXXX.
I paid for my credit report at XXXX today and my FICO scores are the following : XXXX : XXXX ; XXXX : XXXX ; and Experian : XXXX, but there are " revolving accounts '' that have been closed for years in some cases and should be removed. I was able to file online " disputes '' with XXXX and XXXX with ease and with no problems. But the online link for Experian from both XXXX and Experian 's own website sends the user in a circle and does not allow me to file my dispute -- even with all of my personal information from my credit report that Experian currently has on file. I also tried Experian 's XXXX # XXXX with again being sent in a circle and eventually hung up on by the automated system.
Equifax is reporting that XXXX XXXX XXXX, Account # XXXX was late 2 times XXXX XXXX and XXXX XXXX. That information in incorrect. XXXX and XXXX confirmed it was an error and they corrected it. Now I need Equifax to correct it as soon as possible. Thank you!
I asked for a withdrawal of {$600.00} of my money ( see below ) and it shows complete but no funds were received. I've emailed over a dozen times ... one response with case number ( see below ). I've also tweeted, facebook, and called Coinbase/XXXX  for resolution with zero response. Case # XXXX is the only thing I was given on XX/XX/. 


transfer XXXX XXXX - XX/XX/ XXXX XXXX Transfer ID : XXXX On XX/XX/, at XXXX XXXX, Coinbase Support XXXX wrote : Hello there, Thank you for contacting Coinbase! 

Sorry for the trouble and for the delay on responding. 
Having investigated the issue, I am working with a specialist to address it properly. We will follow-up with you as soon as we have an update. 

Thank you for your patience. 

You can always visit our self help tool found at XXXX XXXX XXXX for more issue resolution steps. 
If you require further assistance, please let me know. 

Thanks, XXXX Coinbase Support Hello there, Thank you for contacting Coinbase! 

Sorry for the trouble. This message was sent to XXXX in reference to Case # XXXX Follow this link to view the status of your case and add additional comments : XXXX XXXX XXXX
HUNTER WARFIELD has placed an unauthorized derogatory, harmful, and damaging account/item on my Consumer report. 15 USC 1692c ( a ). HUNTER WARFIELD has violated my federally protected consumer rights without causing injury, harm, and damages to my pursuit of happiness and right to utilize consumer credit. 

I have included an attachment requesting HUNTER WARFIELD to respond point by point with verifiable facts and authenticated documentation validating that I owe them any alleged debt. 15 USC 1692g ( a, b : " until debt collector obtains verification of the debt '' ). Failure to do so will result in Civil Penalties according to Consumer Protection Laws and other laws that may apply. 

HUNTER WARFIELD has no proof of claim with verified, validated authenticated documentation. HUNTER WARFIELD has violated the FDCPA 1692 and is Civilly Liable according to 813 Civil Liability [ 15 USC 1692k ] and other consumer protection laws. 

HUNTER WARFIELD has placed this alleged account on my credit report to intentionally cause harm to my pursuit of happiness by affecting my Consumer transactions for personal, family and household purposes.
XX/XX/2017 {$84.00} Debt came up on my credit report and its not mine can you please help.
Sometime in XX/XX/XXXX I tried to use my American Express XXXX XXXX and to request for a credit increase. It was denied. I then called their call center and a representative told me that sometime in XX/XX/XXXX I should recieved a letter starring that American Express will be discontinuing the XXXX program and that all American Express cardholders accounts will be closed. My account closed?! I never recieved such a letter. Therefore I was informed by the rep that I will continue to make payments on the account, but I will be unable to use the credit card to make any charges. This was completely absurd and quite unfair to the consumer. I didnt even have the card for a year and American Express closed my account. The rep informed me that I had to reapply for a regular American Express Card, which they would have to go through the very same process as when I first applied for the card. I was quite insulted and irate about the whole situation, but then it gets worse. I then get a billing statement dated XX/XX/XXXX for the total amount due of {$1100.00} and with the minimum amount due of {$330.00} with a due date of XX/XX/XXXX. With the due date, there is a footnote stating If we do not recieve you minimum payment due by XX/XX/XXXX, you may pay a late payment fee off {$38.00} and your APR will increase to 29.99 % in penalty. 
Then I get a letter from XXXX XXXX XXXX, a professional Debt Recovery Agency. The date of the letter is XX/XX/XXXX. The creditor : American Express with the total amount due of {$1100.00}! Thats TWO DAYS after Amex submitted the billing statement I have been turned over to a collection agency and with a completely different total amount due! And it gets more interesting : I then get a letter from American Express thats dated XX/XX/XXXX informing me that my account has been transferred over to the collection agency XXXX XXXX XXXX with a total amount due of {$1100.00}! This letter was printed after THREE DAYS AFTER I GOT THE COLLECTION LETTER! WHATS GOING ON HERE?! WHAT HAPPENED TO THE ORIGINAL DUE DATE OF XX/XX/XXXX ON THE STATEMENT?! As a consumer I feel cheated. First American Express cancels the XXXX program and cancels my card without notice, then American Express cant wait to send me to collections and post to my credit report?! Quite unfair, impatient, smarmy banking/business practices! Very lowbrow.
Commonwealth Finance is a scam. I have been fixing my credit for a year now. I got a XXXX XXXX card and just recently this year this random company hit my credit for an old medical bill from back in 2014. Nothing has ever been reported and I have never been notified of this debt. I was never notified that I had a debt. In fact the one time I went there I got my medical bills covered by a grant and by XXXX XXXX for using me to test trial a new medical gauze. Until now I had never heard of this debt. I disputed it and XXXX XXXX took it off. Then suddenly I get 2 accounts from the same company " Commonwealth Finance '' 3 times the original amount. I have read about this company and everyone is having similar issues. This company does fraudulent business.
Check into Cash states that I owe them {$1100.00}. At the time the dates are listed, my bank account information was stolen. I honestly do not remember this transaction.
i have capital one investing account i was not able to open my trading account on morning of Friday XXXX XXXX 2017. It opened only once or twice and i was able to place one trade ( sell XXXX put ). But overall it was very inconvenient. I tried my cell phone app as well as multiple browsers. 

I called capital one help line twice and had to hang up as no one answered my calls even after waiting for more than 10 minutes each time. I emailed capital one and they told me to call back. I replied and told them to call me as i had not been able to talk with them i pay top dollar to capital one for their service and i expect better. Moreover this is second incident in last few weeks. Something similar happened few days back the losses that i incurred are below. 
1 ) Couldnt sell my orcl put on time. It cost me at least {$50.00} per contract and i had 12 contracts. So total loss {$600.00}. I was able to sell XXXX puts when XXXX  was at XXXX, when i wanted to sell them when XXXX was at XXXX 2 ) Could n't sell stock - carb, syx and unt on time. I lost {$100.00}. I wanted to sell Carb when it was at XXXX. I ended up selling it when it was XXXX 3 ) Frustration and tension i lost {$700.00} because of capital one and i feel that capital one should compensate me for the same and ensure that I dont face similar issues in coming days. I have huge number of Micron options and i dont want to face any losses due to Capital One 's in efficiency let me know what you could do for me and please ensure that consumers dont face similar issues again.
i did a modification on my loan and was lied to saying i was getting a % reduced and a term extension. And a few years later when i wanted to sell my house Seterus ( who have a one star rating out of 5 ) they added {$48000.00} to my loan??? They never said anything on the phone about that at all??? And they say i signed for it that way. but, every time i ask them to send me the full contract for my lawyer to look at they do n't? Everybody i talk to that is in mortgage business never NEVER! heard of such thing. and when i get all my statements per via email its shows what i should owe on the house. never shows the amount with the extra {$48000.00}. weird. shows i owe {$100000.00} but when i call them they say i owe {$140000.00}
I graduated in XX/XX/2009. When my loans went into repayment, I was unemployed. Both myself and my co-signor were receiving incessant phone calls regarding payment and threats of credit reporting, lawsuits, and default. In order to avoid these issues, I was told I need to put my private loans into a forbearance. I was not provided any additional options including, but not limited to, rate reduction programs, income driven repayment programs, or federal loan consolidation. When I applied for a forbearance I was not provided any documents, paperwork, or additional information informing me that interest would be capitalized to principal. After applying for the initial forbearance, I was not contacted by the student loan servicer ( XXXX XXXX or Navient ) until two years later. It was at that time I was informed that the unpaid interest had been capitalized adding tens of thousands of dollars to my private and federal student loans. During the pendency of my forbearance, I would contact the servicer ( XXXX XXXX or Navient ) and inquire about my loan status. I was informed that it was in forbearance and no payments were due. After the loans had capitalized, I contacted the ombudsman office for the servicer ( XXXX XXXX or Navient ) and was informed they could not reverse the capitalization of interest due to federal law and was offered a " new '' rate reduction program. I applied for the rate reduction program ( which I am still in ). After the appropriate period, I applied to release my co-signor. That application was denied. I was informed at that time that my co-signor would not be released because ( despite my ongoing payments ) the payments were not " level '' payments and a co-signor release would require 24 to 48 months of " level '' payments ( which I can not afford due to the capitalized interest ). I asked on several occasions during my time in the program about a release of co-signor and was never told that the co-signor could not be released while in the rate reduction program and, in-fact, was told to fill out the form to have the co-signor released and the servicer ( Navient or XXXX XXXX ) would make an independent determination. I applied twice. Both times my application was rejected. Throughout the rate reduction process I was also provided inconsistent information regarding reapplication and extensions. In addition to the misinformation, misrepresentation, and breach of fiduciary duties, there have been several occasions where payments were misallocated to interest and principal. Finally, these are mixed use loans which beyond the cost of attendance and are therefore not subject to the same type of collection actions as federal subsidized and unsubsidized loans. At the time of repayment, I was told these are student loans subject to the higher education act and that any future wages could be garnished. The mischaracterization, misinformation, and breaches of fiduciary duty has damaged me tens of thousands of dollars, caused increased payments, undue hardship to the co-signor, and an inability to establish a financial future.
XX/XX/XXXX My two previous complaints has unlimited misleading inaccurate information and W.F.B should is violation of RESPA, TCPA and so on.

Currently my request to have loan modified again no decision has been made even though I have used HUD counseling service. Reason for not denying or approving loan modification is one my daughter who is not a borrower or on the loan did not provide her pay stub. 

My daughter 's income has nothing to do with loan modification since she is is not on the loan or has borrowed form W.F.B. 

Since W.F.B has acted same manner which includes around XXXX when XXXX tried to assist me. 

Rest is in the two attachments that has many misleading and false information. 

W.F.B should cease entire sending fake letters when I do not file any complaints. Letters from XXXX XXXX XXXX are faked and its only to indicate FED and State of CA response have been made. Unlimited numbers of letters I have received from her she dose not or have never called me. Her letters are all faked and she should stop sending me fake letters when I did not contact W.F.B which never