WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2019 I did a cash advance of {$700.00} on my credit card. I did not use my card after the cash advance. The credit limit for this card is {$1000.00}, which left me a available credit of {$260.00} when I checked on Friday XX/XX/2019. On Saturday XX/XX/2019 around XXXX XXXX I went XXXX XXXX Station in XXXX , IN and was denied a purchase of gas and windshield fluids. I called Capital One and was informed by the staff person, I had no available credit due to the cash advance and it will take five days before the removal come off. I informed the staff person I was unaware of this policy and requesting to have the hold lift. I informed her I was in a XXXX winter storm right now and needed gas, staff person stated there was nothing she could do. She stated I apply for a increase in credit and I would get approved right then and there and I would have available credit. I explained I did not want to run my credit due to me trying to purchase a house but I did it because I was cold and did not want to run out of gas. After filling out the application the system told me I had to wait 10 days for a determination. This is not what the staff person told me. This is not right I have never been late with any of my payments, I had credit that I was not able to use in this emergency situation. Please file my complaint.
On XXXX/XXXX/XXXX I accidentally paid XXXX through XXXX electronic payment to HSBC card services. My account with them was closed years before. The transaction number was XXXX. I have called and spoke with both chase and hsbc and they bothe said there was nothing they could do and the money should bounce back into my account within a few weeks. I have not received my money back and I am so stressed out. Please help! Thank you!
There are several inquires that just hit my credit file and I did not apply for any of these XXXX inquiry XXXX and XXXX XXXX XXXX, XXXX and XXXX XXXX inquiry XXXX, XXXX, XXXX and XXXX I have a XXXX credit card but did n't apply for an additional card these are not mine Please remove these unauthorized inquires ASAP
My checking account was hacked and on the advice of my bank this account was closed and a new account was opened. My mortgage was on automatic draft and since my account was closed my payment failed. The new account was set up and the payment was made. Dovenmuehl has added this charge to my mortgage payment. I was told to send a letter of explanation requesting that it be taken off. My XXXX statement arrived still showing this charge. I called and was told that a denial letter was sent to me but I never received it. I so told them that I could get a letter from my bank verifying and explaiNing the issue but was told that it would n't matter. I was told that they did n't have to remove the charge. I have never given this company any bad checks or had any payment rejects. 
There is clear documentation that my account was hacked. The new payment was made on time. Why is this bad check fee being added to my mortgage payment?
On or about XXXX I received from Wells Fargo 3 seperate mailings indicating the following new accounts had been opened : XXXX XXXX Account with Checking XXXX Overdraft Protection and Savings XXXX {$5000.00} Visa XXXX XXXX XXXX XXXX I have never applied to Wells Fargo for any type of account. On XXXX I contacted their fraud department. Wells Fargo claims I made an online application for these accounts on XXXX. I have never had an online profile with them. I asked : Who's online profile was used? 
What IP address was used? 
How could these accounts be opened online with NO funding? 
How was a credit pull made since I have a credit freeze since XXXX? 
Which bureau was pulled? 
They would not answer any of my questions and referred me to the credit bureaus. 
All 3 confirmed to me credit freeze still in effect with these messages : SECURITY FREEZE :  This file has been frozen or locked at the consumer 's request. 
SECURITY ALERT : Extended Fraud Alert : Action may be required under FCRA before opening or modifying an account. Contact consumer at ( XXXX ) XXXX or ( XXXX ) XXXX. ( Note : This alert is set to expire in XX/XX/XXXX. ) PROMOTIONAL OPT-OUT : This file has been opted out of promotional lists. 
( Note : This opt-out has no expiration date. ) Identity theft victims and XXXX XXXX military personnel have additional rights.
I have received several phone calls from a representative for XXXX XXXX XXXX or XXXX stating that I am going to be sued for an online payday loan that I received on XXXX/XXXX/2010 and stopped paying on in XXXX of 2010. I did not take out this loan nor did I receive the alleged funds. I am very concerned as the company had the last XXXX of my social as well as my bank account information. The company is threatening to send processors and take me to court. Please advise me of my next steps.
I 've disputed this last XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX with Equifax. However, Equifax still stated, " Case or ID # XXXX The results are : We have verified that this public record item is reporting correctly. We verified that this item belongs to you. If you have additional questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Phone : ( XXXX ) XXXX Lien Filed XX/XX/XXXX ; XXXX County Common Pleas ; Case or ID # XXXX ; Amount {$600.00} ; Class State ; Released XX/XX/XXXX ; Verified XX/XX/XXXX ; Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : ( XXXX ) XXXX ''. 
I understand that the public record is reporting correctly. However, the Ohio Attorney General already sent them a letter that this record has been vacated ( expungement letter ) and I also sent them the copy of it along with the statement of release, goodwill letters and other information. I also sent them the screenshot of a forum where same case of mine, they were able to remove the public record. XXXX and XXXX already removed it but how come Equifax can not remove it. If they have remove it for others BEFORE as what it showed in the forum, why is it so hard for them to remove mine. Where is fairness in this credit bureau??? 

This is the copy of my first complaint here in CFPB with Equifax : Hi, I used to be a traveling therapist which I amended my tax last XXXX. Ohio has been sending the notification letter/ statement or tax lien to my previous address in NM which I have n't resided since XX/XX/XXXX because I already moved here in TX . Thus, I never received the tax lien bill until I found out my credit score significantly decreased last XXXX XXXX. Since then, I inquired about the bill and took care of it last XXXX XXXX. I send out letters to credit bureaus/ agencies stating that I already paid the tax lien. But the credit bureaus will not remove the derogatory remark of state tax lien on my credit. I 'm planning to buy a house this year but because of the remark on my credit it affected it significantly. Ohio Attorney General send out expungement letters to credit bureaus to remove the derogatory remark/ state tax lien on my credit report. Attached herewith are the copies of my request to credit bureaus : The tax lien release, a letter I had sent them, and then a copy of the expungement letter from the Attorney General. In connection with this, I would like to request from your good office to help me in this case. 

XXXX/XXXX/XXXX Equifax CFPB I sent the tax lien release, goodwill letter and a copy of the expungement letter from the Ohio Attorney General. The Ohio Attorney General also sent the letter to Equifax. I took this advice from a forum because they said Equifax and other credit agencies were able to remove tax liens from their credit reports. I attached here the screenshot of one of the complainant that Equifax was able to remove the tax lien from their credit report. If they have done it with the others, how come they can not do it on my case. Thank you.
hello i have in my credit report XXXX account not is mine, and never buy anything for this ammount.
On XX/XX/18 I purchased an XXXX computer ( {$13000.00} ) advertised as qualifying for 24mos. with 0 % interest. This was handled through Barclays bank. 

The computer was shipped to me on XX/XX/18. 

I had set up the Barclays account to autopay the minimum payment each month. 

Today, XX/XX/18, I received notice my payment was due and took the opportunity to look up the online statement to see when the promotional rate expired. 

To my surprise and dismay I found that the promotion was valid ONLY if the purchase was made within 30 days of opening the account, which it was. However, as XXXX didn't ship ( or bill ) the unit until XXXX, XXXX XXXX bank claims that it did not qualify for the promotion. 

When I contacted them to discuss this they refused to discuss this and took the position that it is their policy. 

In effect it was IMPOSSIBLE to take advantage of the promotional rate as XXXX was unable to deliver the computer within the 30 days as it was a brand new model. 

Receiving notice that this was going to exclude me from qualifying for the promotional rate would seem to be the honest and forthright way to handle this matter. 

When I spoke to Barclay 's their position was too bad, that is their policy. 

I feel this was a deceptive trade practice and would appreciate your assistance.
I had an unauthorized transaction on my checking account and the bank said I should stop payment on my mortgage payment because with the unauthorized transaction the payment would have bounced. I was never told that it would last 30 days. But even after the 30 day period the stop payment was not lifted which they admitted was a bank error but because of that error it resulted in my last loan modification payment to bounce and for my home to go into foreclosure with additional charges and lawyers fees from the mortgage company
Back in XXXX I started running into some financial trouble. After the recession hit, I tried working with XXXX XXXX to reduce the interest rate on my mortgage, which was currently 12+ %, to help reduce the payment. I had requested a reduction to half, even though at the time, the current interest rates were between 2 to 3 %. When that did not work, in XX/XX/XXXX, I tried to short sale the home, but XXXX XXXX was unwilling to work with me regarding that also. Several different departments at XXXX XXXX suggested I dont pay and fall behind a couple of months then they would be more likely to work with me to help reduce my mortgage payment. That turned out to be a total lie and after a couple months I started receiving letters threatening foreclose and advising me to vacate the home I have lived in for 17 years. In XX/XX/XXXX the company that was trying to help with the short sale contacted me and informed me that XXXX XXXX had filed a Notice of Default and had begun the foreclosure process. During that time, I had never even missed payment. Not realizing that these were lies, I moved from my home. I filed a Chapter XXXX bankruptcy XX/XX/XXXX. At the time of the filing, my house was surrendered to XXXX XXXX. I made every payment to the Trustee on time for 4 years and my bankruptcy was discharged in good standing on XX/XX/XXXX. After waiting the necessary time to pass after a bankruptcy I recently started looking for a new home. I was surprised to find out, that XXXX XXXX did not foreclose on my home until XX/XX/XXXX, 10 months after my bankruptcy was discharged. Please keep in mind that XXXX XXXX new quite well that they had ownership of the house because they provided yard care ( both summer and winter ) the entire 5 years it sat vacant. It was also brought to my attention that 4 months after the discharge of my bankruptcy they sold the servicing of the loan to another company. I quit receiving any type of notification from XXXX XXXX shortly after I filed.
To whom it may concern, I am filing a complaint. I am not sure if I am doing this correctly.. the company name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ( XXXX ) XXXX The Complaint is : this lender has placed this loan on my credit report twice, we have called them more than once to have this issue fixed. The last call was todayXX/XX/XXXX I spoke with XXXX, and he yelled at me, and would not address the issue. I told him the situation, and he hung up on me. Below you will see how it appears on my credit report. Two different accounts, same everything. I would really appreciate your help. I purchased a vehicle from a car dealer, the car turned out to be a lemon and broke down within 1-2 weeks, we were promised repairs or exchange of vehicle. Never happened. We contacted XXXX XXXX, XXXX to inform them we would be turning in the vehicle and not paying the loan. XXXX XXXX told us this would be placed on our credit as " voluntary repossession '' which never happened. XXXX Closed ACCOUNT DETAILS Account Name XXXX XXXX XXXX Account # XXXX Account Status Closed Last UpdatedXX/XX/XXXXAccount Type Auto Loan Date Opened XX/XX/XXXXBalance {$4700.00} Original Balance {$5500.00} Past Due Amount {$4700.00} Payment Status Charge-off -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX Closed ACCOUNT DETAILS Account Name XXXX XXXX XXXX Account # XXXX Account Status Closed Last UpdatedXX/XX/XXXXAccount Type Auto Loan Date Opened XX/XX/XXXXBalance {$4700.00} Original Balance {$5500.00} Past Due Amount {$3100.00}
Use the cared for a stay at XXXX hotels on Wednesday XXXX XXXX 2016. This was a one nite stay of {$100.00}. During the stay a problem occured that prompted the hotel to refund the amount of the stay for that night. On the XXXX of XXXX I received a receipt showing I owed no money and my balance was zero. The hotel will verbally confirm this with a phone call.On the XXXX of XXXX when the credit did not appear on my card I called customer service for Amex XXXX and they informed me that the amount will not come back on my card for 30 days, even if the merchant releases it before the 30 day period expires. 
This is a prepaid card, not a credit card where the credit on the card is dependent upon what limit you have on the card is set by a lending institution. The card holder/ consumer sets the limit on what they want to spend. However Amex has decided that if this card is used at a hotel the card holder loses his money if it is refunded by the merchant. 
This action by Amex tells me that the merchant has more rights in the use of this card that the card holder. Also Amex must be mindful of the fact that they, Amex has a fiduciary responsibility to the card holder, the merchant does not. As of the date of this filing {$100.00} has not been refunded to me and according to XXXX customer service I will not get it back until XXXX XXXX. This is grossly unexceptionable. In addition Amex is giving the merchant more rights and consideration than me ; the cardholder. That is a clear violation of the XXXX. It appears the credit contract has and is built on terms of adhesion.
I was told that I was getting a {$10000.00} credit for closing from my realtor and the mortgage bank- us bank would not allow it. I only ended up getting a credit of {$9900.00} and I am out {$590.00} that the seller and I agreed upon. I think this entire deal was not communicated well and was very confusing. Us bank did not communicate any issues until I confronted them when my realtor called me.
I am a XXXX XXXX, we have been trying to close on a transaction in Arizona and had to postpone it is costing my XXXX hassle and money had to cancel his work responsibilities 3 times being is XX/XX/XXXX weekend also his holiday vacations. We were told the loan was fully approved and it has not. Listing agent issued 2 cure notices we had to pay {$500.00} for the first extension {$500.00} for the second extension, Cure notice in Arizona is a 3-day process. Cure notice expires tomorrow my XXXX will loose his {$2000.00} escrow money. The deal stated to be a conventional loan 1 week before closing Lender persuaded my XXXX that it was better to switch to FHA his payment will be {$200.00} lower we will have to extend COE for just a week since we had everything was done, inspection, appraisal etc. Then underwriter needed the second appraisal since the home had been Rehab completely just 3 months before, another delay due to waiting for the new appraisal. My XXXX had to get storage for his new appliances that were supposed to be delivered Friday, XX/XX/XXXX.  pay extra for the landscaping delay since landscaper had already bought all materials and was ready to start the job. They have not cared what so ever about COE. And so hard to find the person in charge that could have help in this matter.
I have a deposit slip in my hand from physically dropping off payments via business bank checking. The deposit/payment into the loan account was {$110000.00}. The checks cleared through the federal check clearing system, and cleared the bank they were written from showing USBank as the receiver of the funds, but the deposit is not showing up in my account/with account number on my deposit slip. The bank branch was confused, double checked and confirmed the physical deposit in person was made at XXXX on XX/XX/XXXX, but as of yesterday could not see the deposit in the account any longer. Today is XXXX XXXX on XX/XX/XXXX. The funds were processed through the federal clearing process in what looks like a normal timeframe. The funds are missing, and not in my customer account! 

US Bank ( branch ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Bank XXXX Nebraska Branch, XXXX XXXX XXXX XXXX NE XXXX XXXX XXXX XXXX
On XX/XX/2016 I opened an account with XXXX. After four or five days I switched back to XXXX XXXX XXXX. On XX/XX/2016 I returned both phones to the store and paid the {$35.00} restock fee for each phone. XXXX has turned me into collections for {$1800.00} for the phones. I was not provided a receipt by the clerk at the time I returned the phones. He gave me some reason which I can not remember. I have my bank statement showing each {$35.00} deducted from my account to XXXX on that day. The collection company, Source Receivables Management, will not remove this debt from my credit report. I have spoken to management at the store who have told me they can track the phones through the IMEI number, that it has been initiated but it has gone nowhere. Source Receivables will only accept a receipt showing I turned them in. The store has looked in their system and it doesn't exist. I feel like the clerk took the phones leaving me on the hook.
My auto loan is with Santander Consumer USA. I am a co-borrower on the loan with my ex-fianc, XXXX. XXXX filed a Chapter XXXX  bankruptcy, and released his interest as a title holder on the car. The car was not included in the Ch. XXXX bankruptcy plan, as it is my primary vehicle and I did not file bankruptcy. Payments have been made timely on this loan since the time of loan origination. The bankruptcy filing occurred in 2016. Santander ceased credit bureau reporting at the account level upon the bankruptcy filing, versus at the borrower level, therefore there is no credit history on my credit report for this performing loan. When I contacted Santander they told me the only option was to re-finance the vehicle, which I am unable to do, due to low credit scores. If my loan was reporting as performing, at the extremely high payment amount I pay per month, my credit scores would be improving. Santander 's policy is negatively impacting me as a borrower. In addition, Santander shut off auto-bill pay due to the bankruptcy, when the auto-bill pay comes directly out of my account, and has been deducted for over a year now, post bankruptcy filing. I was not notified of this change, and when I contacted Santander to inquire why the payment had not been taken from my account, they indicated a notice was sent to XXXX XXXX bankruptcy attorney. As a result, my loan is now showing past due. Santander has zero options available for repayment plans, for me as a borrower, because again they have tied the bankruptcy filing to the account versus at the borrower level. Again, this is negatively impacting me as a borrower, due to Santander 's policies when there is a non-filing borrower and a filing borrower on the loan. Billing statements are not provided, and online access to my account is locked, due to the bankruptcy filing. So, while I am making my monthly payments, which is benefiting Santander, I have zero access to the balance of my loan, short of calling Santander and enduring extremely long wait times.
i would like to know what the XXXX bank of america is doing??? there has been 3 investigators call me and all 3 dont know what the XXXX theyre doing??!!!! they all diassapeared! and i dont want this complaint removed either by the CFPB!!!! LEAVE MY COMPLAINTS ALONE TILL THEY CAN RESPOND!!! AFTER MONTHS AND MONTHS OF COMPLAINTS I HAVE NOT RECEIVED ONE XXXX VALID RESPONSE FROM CRIMINALS OF AMERICA!!!! THERES NO VALID CONTRACT,!! THERES A CLOSED ACCOUNT IN XXXX THAT THEY THREATEN ME TO PAY A BALANCE HAS ALREADY BEEN PAID, AND IF THATS NOT ENOUGH THEY THREATN ME TWICE WITH THEIR XXXX CRIMINAL FRIENDS XXXX!!! NOT CRIMINALS OF AMERICA OPENS UP A CLOSED ACCOUNT AND IS DOING SOMETHING WITH XXXX DOLLARS?? WHAT THE XXXX ARE THEY DOING????? WHERES THEIR SIDE OF THE BOOKEEPING???? WHY CANT THEY ANSWER MY QUESTIONS AND SHOW VALID ANSWERS, WHY DO THEY HAVE XXXX XXXX XXXX CALL ME,???? THESE PEOPLE ARE XXXX XXXX,!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! THEY STILL USING FICTITIOUS NAMES TOO, OVER 20 COUNTS OF FELONY IN MY PAST COMPLAINTS AND STILL I HAVE NO RESPONSE!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
I have made several phone calls and send several letters disputing inquiries that I did not authorize. For the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX last letter I send they responded back on XXXX XXXX in which they ignored my letter. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and serious breach of my privacy rights. Equifax has failed to validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature an inquiry in the absence of any such documentation bearing my signature I requested the fraudulent inquiries be immediately deleted from the credit file that is maintained under my social security number.
On XXXX I received a debt collection notice for {$1500.00} for a closed XXXX cellular account. This debt, however, was paid via XXXX on XX/XX/XXXX. Initially, XXXX did not provide me with a closing bill ( the process took 6 weeks and a complaint to the California Public Utilities Commission before they finally sent it to me via email ). Since I was set-up on " auto-pay '' with XXXX, they charged my XXXX on file - which I charged back with my card issuer while the final amount/bill were in dispute. Upon receipt of the bill, I reversed the chargeback in full ( {$1500.00} ) with my XXXX XXXX and have a statement to that effect. 

I have contacted XXXX corporate no less than 10 times via email, explaining the situation, providing statement copies and a transaction number - only to have XXXX tell me that they " never received the payment ''. XXXX maintains the transaction went through on their end - and again - provided me with a transaction # and confirmation code. To date, two weeks into the dispute process, I have not been given anything further - other than threats of further collection efforts and damage to my credit. I need the CFPB to please intervene here. I am willing and able to produce all documentation, including the endless email trail with XXXX, to prove that my final bill was paid - IN FULL.
Asset Acceptance LLC is reporting the wrong Date of First Delinquency on my credit report. The Original Creditor, XXXX XXXX XXXX XXXX, is showing a first delinquency date of XXXX. Asset Acceptance is showing a date of XXXX. According to the terms of the FCRA 623 ( a ) ( 1 ) ( A ), the collection agency Date of first delinquency must match that of the Original Creditor.