WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, I opened online a Wells Fargo Every Day checking account that was offering a {$250.00} bonus for either making 10 debit card transactions or establishing a qualifying Direct Deposit of an accumulated {$500.00} or more within 60 days of account opening. I was instantly approved and received via-email a confirmation with the following data : Application Reference number : XXXX Status : Your application has been approved, and your new account is eligible to receive a bonus offer. I completed the 10 debit card transactions on XX/XX/XXXX. The bonus should have been deposited into the new checking account within 45 days after meeting the requirements. It has passed over a month after the 45 days waiting period and the bonus has not posted yet.
I received a letter to my physical address I provided to Bank of America. This letter was mailed to my current physical address ( XXXX, WA ) and asking for my country of residence. I provided this on account opening ( obvious since I received my letter ) and am concerned that the information was misplaced, or the web application the bank uses is not committing the information correctly during the automated online account opening process ( or letting anyone, including XXXX 's open accounts ). I wish that the bank could confirm that my account information is secured and that they overlooked my account information prior to mailing this letter. The Bank of America chat representative could not state why my information was missed on the automated and validated online application. I was given no choice but to provide this letter back or my checking account would be closed.
XXXX XXXX failed to properly submit student loan documentation causing student loan to fail to be approved when it should have been. This failure by XXXX caused cancellation of enrollment. After cancellation, XXXX fraudulently charged a " technology fee '' which their attached letter states " Designates CHARGE not yet due ... This bill does not reflect pending financial aid. '' The XXXX letter also states " Previous Balance : {$0.00}. Current Balance '' {$0.00}. Amount Due {$0.00}. '' However, after XXXX XXXX failed to properly process the Financial Aid application and enrollment was cancelled, it properly canceled the " Future Balance : {$1700.00} '' and increased its phantom " XXXX XXXX Fee {$150.00} '' to {$180.00}. XXXX University and its unethical collection agency are inaccurately reporting to the credit bureaus that {$180.00} is due when no money is due after XXXX XXXX 's failure to process the financial aid package which directly resulted in the cancellation of enrollment in the XXXX Fall Semester and all subsequent semesters.
FORECLOSURE FRAUD : Disputed the amount owned on maintenance fees for Timeshare Property with XXXX XXXX. Sent numerous emails and received no response addressing my query on the outstanding balance. 
Apparently my property had been foreclosed on without my proper notification or opportunity to resolve. 
To date do not have access to my property nor any indication of the status. 
Have been trying to contact XXXX XXXX who have directed me to Fidelity National.
Fidelity National in return have directed me back to XXXX XXXX. 
Despite my many attempts to resolve, expressing my dispute on the amount owned, I have received feedback, notification, or information.
I had attempted to pump gas using my debit card, but my card had been denied. I double checked my account balance to make sure I had funds available and I did have funds, but left confused as to why it was denied. I decided to call Wells Fargo after work and in calling them I saw that within a matter of hours, I no longer had funds. In reviewing the charges, I saw non-sufficient fund fees charged. I called Wells Fargo and asked them why these charges were made. They explained that I had over drafted the account. At this point I noticed charges made at XXXX ( {$150.00} ), XXXX ( {$260.00} ), XXXX ( {$45.00} ) & XXXX ( {$65.00} ) that myself nor my wife had made. These transactions all occurred on XX/XX/2018. At this point I submitted my complaint to Wells Fargo. Previous to this whole situation, I had requested a new debit card because my current card was unreadable, but never received it. This was also explained to Wells Fargo on my initial phone call. In Wells Fargo 's final investigation, they deemed that I or someone else that I had authorized had used my card. I tried to explain that none of these charges were mine. I filed a police report to offer further proof. Wells Fargo sent me a copy of the signatures used to make the purchases and none matched mine. The person who used my debit card fraudulently had even tried to use the stolen debit card at a Wells Fargo ATM. Wells Fargo has rejected my request for them to review their cameras to confirm that this was not me.
I owed a balance to USAA. I filed for bankruptcy and included the balances, even though I paid them off after the bankruptcy was discharged. They put on the XXXX XXXX list and i have not been able to open a checking account because of them black listing me. I have paid everything owed to them even though I was not responsible for paying them back since they were discharged, They said that they will keep me on there since I filed for chapter XXXX for 7 years.
On XXXX XXXX and XXXX XXXX, XXXX I made two payments to American Express Platinum in the amounts of $ A and $ B respectively. They have acknowledge receipt of those payments on those dates. Unfortunately the later payment was credited to the wrong account by my error. On XXXX XXXX I recognized the error and called American Express to correct the matter and ask that the latter payment be transferred to the correct account. American Express assured me the matter would be corrected within 48 hrs. On XXXX XXXX it had not been done. On XXXX XXXX I was denyed use of my card. I checked on the account and determined that the $ B credit had not been credited to my account so I called again to ask that the transfer be done and was assured that it would be corrected. On XXXX XXXX American Express called and demanded a payment to bring the account current and indicated that I would contunue to be denyed use of the card if I did not. I explained that I had made a payment and was trying to get it credited to the account but was not getting any help from American Express to rectify the matter. I explained the matter to the representative, they acknowledged receipt of the funds and again told me that the matter would be rectified within 48 hrs. and that notes had been made in the file to that effect. I called American Express on XXXX XXXX and was told the matter was still pending but had been submitted for approval on XXXX XXXX and should be corrected within 48 hrs. I called American Express on XXXX XXXX and have now been told that the submission on XXXX XXXX was denied because the representative did not use the correct procedure and that it will take another 48 hrs after a submission to get the matter resolved. Notwithstanding that I made the payment on XXXX XXXX I am now being denied use of my card and auto payments are being returned to the vendors.
I just received a notification that " XXXX obtained a copy of your EXPERIAN Credit Report '' from XXXX credit monitoring service. I have not authorized a credit pull and need this removed!
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
There is some kind of discrimination going on here. I 'm pre-approved, sign loan documents, then for some reason I 'm informed that I 'm denied.
I noticed XXXX unauthorized charges were made to my bank debit card by PAYPAL. When I contacted Paypal ( representative as well as her supervisor ), I was informed that my account in on hold since XX/XX/XXXX because of certain verification information is needed. I questioned how can they make an unauthorized or authorized withdrawal from an account that is on hold or pending some verification? It is my understanding that they should not be able to withdraw from my account either if my account was under verification, and if they did, they should be able to refund the amounts on request. I question the legitimacy of their practice that when an account is pending verification, they can take the money out of that account but will not refund it under the same status even if those charges are unauthorized and fraudulent. 

Following XXXX charges are unauthorized ; XXXX/XXXX/XXXX {$10.00} MERCHANT PAYMENT PAYPAL XXXX - XXXX XXXX XXXX/XXXX/XXXX {$10.00} MERCHANT PAYMENT PAYPAL XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX {$2.00} MERCHANT PAYMENT PAYPAL XXXX - XXXX XXXX/XXXX/XXXX {$2.00} MERCHANT PAYMENT PAYPAL XXXX - XXXX Following charge was authorized, taken from my bank account, but never paid to vendor nor Paypal will refund it to me : XXXX/XXXX/XXXX {$7.00} MERCHANT PAYMENT PAYPAL *XXXX -
I asked that my fraud alert be removed as it has prevented me from using my personal credit in both a personal and business transaction, yet to no avail.
In XXXX my mortgage was transferred to PNC Bank. We were completely in the dark during the transfer and then notified we were late on our first payment with them. Prior to this, we had never been late on a payment before and with several other banks that have owned our mortgage loan. I have since been on the phone with a representative of this institution every single month due to an incredible level of negligence and incompetence. We set up auto pay the second month, XXXX, but we 've been notified of late payments every month because they fail to draft a payment. I call again, I express my problem and my frustration, they apologize, they correct their mistake, and then we do it all again the next month. We 've tried setting up a Bi-Weekly Draft Program twice now and both times they have failed. I just received a letter in the mail today, XXXX XXXX, informing me that " I '' did n't meet the payment deadline and therefore they ca n't set up bi-weekly payments. Their administrative oversights are consistently constant. I have not seen a single bit of evidence that their staff has successfully completed any task in regard to the management of my mortgage. Beyond this, their customer support is the most toxic I have ever encountered in any form of business I have ever encountered in my life. To properly gauge this comment, PNC Bank customer support is worse than a cable provider. They are openly rude, condescending, and overall hostile to me every time I 'm on the phone with them.
While reviewing a copy of my Experian credit report I noticed a total 5  unauthorized credit inquiries being reported. The companies listed below should n't have been allowed to access my personal credit information or put a credit inquiry on my file because they did not receive any type of authorization from me prior to doing so.
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XXXX XXXX XXXX XXXX - Inquiry date ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX - Inquiry date ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX - Inquiry date ( XX/XX/XXXX ) XXXX XXXX - Inquiry date ( XX/XX/XXXX ) XXXX XXXX XXXX - Inquiry date ( XX/XX/XXXX ) I am requesting that the above unauthorized inquiries be removed immediately from my credit file. Again, I did n't authorize anyone employed from any of the above companies to make these inquiries or access my credit report. Please remove the inquiries from my report as pursuant to 15 U.S.C. 1681b Section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by the consumer. This is a serious breach of my privacy. I have sent letters to the above companies and asked them to stop the unauthorized inquiries and have them removed from my credit report. However, it has been 60 days and I have had no response from them. I have also placed a credit lock on my Experian report which will hopefully help to avoid these type of un-authorized inquiries in the future.
This is a new complaint due to the many lies and deceptions contained in the company 's response CFPB Complaint # XXXX. In short, SPS has blatantly lied on multiple answers : 1 ) I raised the issue that the judgment is dormant due to a clear violation of an Ohio statute. SPS said, " We have reviewed your claims and SPS does not agree that the debt is dormant and uncollectable. '' However, the issue is not subject to 'debate '. It 's a statute that was clearly violated. 2 ) In response the fact that I have a foreclosure sale date set, and have had one set since XX/XX/XXXX, SPS said, " ... you request that SPS cancel the foreclosure sale date ... however, there is not a foreclosure sale date scheduled at this time. '' However, on XX/XX/XXXX, the attorney representing Plaintiff XXXX XXXX  sent a letter ( attached ) that CLEARLY STATES that a sale date is set for XX/XX/XXXX. Additionally, the court docket shows the same ( attached ). 3 ) In multiple phone calls with SPS representatives over the past couple of months, it was determined that the ONLY piece of information still 'missing ' was a profit and loss statement for the business named 'XXXX XXXX XXXX ' . I then uploaded that P & L statement on XX/XX/XXXX, and rec 'd a confirmation email from SPS that the specific information requested - the P & L from 'XXXX XXXX XXXX ' had been received. And yet, today, SPS said, " OnXX/XX/XXXX, SPS submitted your account to be reviewed for all foreclosure prevention options. We require a complete loss mitigation application to review your account for all available options for which you may be eligible. On XX/XX/XXXX, SPS sent you a letter detailing the information required to complete the application. We still require all of the information noted in that letter. We have enclosed a copy of that letter for your review. We require the following information before we can review your account for the available options for which you may be eligible : SPS received a profit and loss statement from XXXX XXXX XXXX, XXXX ; however, the tax returns show as XXXX XXXX XXXX with the profession listed as Sales and Marketing. We need clarification if both businesses are the same. If they are not the same, we need a profit and loss statement for the Sales and Marketing Company. '' I 'm at a total loss here ... I have a sale date set for 31 days from now that SPS has repeatedly said is not scheduled, I have a statute that clearly says the judgment is dormant, and I have confirmation that I have submitted 100 % of the information SPS requested to BOTH start the review AND STOP the foreclosure, and yet, they still insist the do n't have the requested information, the judgment is not dormant, and there is no sale date set anyway. Federal law is crystal clear that a sale must be stopped if a completed loan modification is submitted 37 days or more prior to a sale date. I have demonstrably met that standard, and yet, a sale date is still set on my house, and worse, SPS is denying that a date even exists despite receiving from me 5 days ago screen shots of the Court docket showing the sale date.
XXXX   XXXX   is saying I owe them {$830.00}. They sent this to Equifax and Equifax put it on my credit report from   XX/XX/XXXX .  Then they sent it to DIFFERENT ( I think its called  XXXX  ) collection agency and they put it on my report AGAIN. I disputed both of these. First dispute number is  XXXX , says it is closed with no change to my report. Equifax never mailed me anything. Second dispute number is  XXXX , this was just disputed a few weeks ago because I noticed it was from a different collection agency and opened in    XX/XX/XXXX .   I need something in writing, documents that I owe   XXXX   XXXX  , something, anything that Equifax has saying I owe it, and from all these opened dates, otherwise it needs to come off my report. It is hurting my credit. They can not keep turning it over to different collection agencies and then they report it as a new account ( j ust opened ) to k eep the 7 years starting all over again, this is against the law. I have had  XXXX  for the past  XXXX  years and still have  XXXX  and can prove it thru them.     Thank You,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX     XXXX   XXXX  , CO  XXXX   XXXX   Social :   XXXX  I ALSO MAILED YOU AND EQUIFAX A LETTER
Today I received a letter from Bank of America dated XXXX XXXX XXXX. When I called the phone number on the back of the letter and I entered the last XXXX digits of account closed in XX/XX/XXXX, it said my first name and then said it was being " consolidated '' at my request!!!!! What? I asked the persons in XXXX ; XXXX and XXXX as I was bounced from state to state and disconnected again and again : where are the XXXX credit card statements I was promised two weeks ago? I was told they would be mailed so I can forward them to the XXXX credit reports - some of whom have already removed it based on the date alone. But others are miscommunicating the term " correctly reporting on your credit file '' which not true! Now - today - Bank of America has stripped their own computers of the furnished payment information in each month in XXXX and XXXX XXXX ; such that the bank 's responders to disputes ca n't see what they furnished in XX/XX/XXXX/XX/XX/XXXX that is still on my credit report. Bank of America fabricated phony credit card statements to show the XX/XX/XXXX closing by me. However, they ca n't create documents in XX/XX/XXXX, as promised two weeks ago? The bank is hiding the fraud on this account by deleting the furnished data. That is fraud. The envelope received today did not come from Delaware either, despite the return address. It has been an annoying habit that letters are mailed from Bank of America from states other than the one it is written from. I suspect this is the bank 's way of avoiding the Attorney General of the state listed from having jurisdiction on the matter. This is compounding an already disasterous situation for no reason. The letter in no way allows a customer to talk directly to the place listed on the letter. Clearly, it was a fake form letter.
i have been told that I have a " credit freeze '' by those whom I am seeking credit from. I have called the bureaus and spent countless hours only to be hung up on. I am not able to unfreeze my credit by contacting any of the 3 bureaus. I need my codes to get my credit or my credit unfrozen pronto.
After being laid off on XX/XX/XXXX within the months that followed, it became increasingly difficult to pay the full amount of my mortgage at XXXX time due to lower unemployment insurance ( UI ) payments. By XXXX I was informed that my UI had run out. Eighteen months before I had received a home modification. When I consulted my home preservation specialist with my loan company ( Wells Fargo Home Mortgage ) she informed me that I should be able to get another modification. 
I was told to pay a lesser amount that was about XXXX of my current mortgage while the modification was being reviewed. After about 5 months I was informed that I was denied the modification and told to pay the {$5000.00} plus arears that I owed or be foreclosed on. I did not have the money so today I am in foreclosure due on XX/XX/XXXX 
In addition, I changed my home insurance in XXXX XXXX and was given a refund for the remaining 5 months which I in turn attempted to deposit back into my escrow account to account for the insurance shortfall when the new coverage began. WFHM did NOT apply that refund back to my escrow account. They posted it towards my " INTEREST '' and said I owed on my escrow account and charged that amount back to my principal!!! Now I have an increased principal due to this misapplied payment. The principal depart and the escrow departments are in conflict where those monies were applied. Neither will admit that made the payment towards to the escrow only that they can " see '' the payment was made. Now my escrow shortfall has resulted in an increased monthly payment.
I pulled my XXXX credit report and it disclosed 6 accounts in derogatory status. I recently discharged from a chapter XXXX bankruptcy on XXXX XXXX 2017. I contacted the debtors whom advised me to make a complaint with CFPB.
I was given a check from a friend for {$85.00} drawn on her Chase checking account. I went to cash it at the JP Morgan Chase Bank ( Branch XXXX ) and used the drive through window at XXXX XXXX on XXXX XXXX, 2017. The transaction took far longer than I expected, and when I asked the teller, XXXX, what the delay was for, she said they were verifying the funds availability. I was then given a sealed envelope with my cash and ID and I opened the envelope about 1/2 hour later. To my dismay I found they had assessed an {$8.00} fee which is almost 10 % of the total amount of the check. Not once did the teller inform me that they were assessing any fee, much less {$8.00} for a check drawn on their bank. I returned to the bank the next morning, as they were closed by the time I discovered this fee. I spoke with XXXX XXXX XXXX at XXXX XXXX on XXXX XXXX, 2017, less than 16 hours  and less the 1 business hour from the time the transaction was completed. I was told that they could not do anything about it because it was completed the day before. They claim they had to charge the fee since I did not have an account with them. My complaint is twofold : They did not tell me they were charging a fee at all and the fee they charged was excessive. I would like a refund of {$8.00} since the check was drawn on that bank.
The account should not have a balance, it was paid in full as of XX/XX/2018. This need to be updated on my credit report to a XXXX balance.
I sent a written request to XXXX XXXX at : UNITED CREDIT & COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX Requesting proof that I am legally liable for the debt listed below ; and they have the legal right to collect from me. I haven't received any type of documentation from this debt collector. 

UNITED CREDIT & COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, MO XXXX ( XXXX ) XXXX United Credit & Collecti Opened XX/XX/2013 {$1300.00} Original creditor : XXXX XXXX XXXX   After UNITED CREDIT & COLLECTIONS did not answer my request I submitted a dispute to the three major credit reporting agencies. XXXX and XXXXXXXX removed the info from my CBR permanently. XXXX removed the info then added it back to my CBR after a couple months.
I had a bill from XXXX, which I *never* received. XXXX transferred it to a debt collection company - " XXXX '' XXXX XXXX, which I called and PAID on XXXX XXXX. I have the confirm number for this payment. I now have a new bill from Transworld Systems for the very same bill, XXXX... It is as if fedex ( or the creditors ) would like to keep collecting from me over and over.
I signed a Financial Disclosure For Reasonable And Affordable Rehabilitation Payments on my student loans with XXXX. XXXX XXXX XXXX, XXXX.. They based the monthly payment amount on my income. This has been being paid monthly since XXXX/XXXX/XXXX yet it is still showing as a collection that payments are not being made on with all 3 Credit Bureau 's. 
This is incorrect and needs to be fixed back to the date of XXXX/XXXX/XXXX immediately.