WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX US Bank {$200.00} gift card bought XXXX/XXXX/16 and opened to use on XXXX/XXXX/16 but both cards had been fraudulently used prior on same day, XXXX/XXXX/16 at XXXX 's in store and Pajama-gram. Card numbers stolen and applied to new fraudulent cards and total amt drained off cards. I am now out {$400.00}
I am requesting assistance for a distraught family that would like to prevent a foreclosure on the Deceased owner 's property that was left to her son.     The property has a Reverse Mortgage wit h Financial Freedom LLC, a CIT  company.  <P/> We are in the " grace period '', and have an offer from the Grandson of the deceased to be able to keep the home in the family. I have requested a postponement, however, now I am being  told that we need Proof of Funds to po stpone or a loan approval.  <P/> The buyer/Grandson is in the midst of obtaining the loan. Initially the representatives advised that as long as we had an offer and working towards the purchase that we would be able to obtain a postponement. We understood that it would not be for months, but enough to allow us to complete the purchase and avoid a foreclosure.  <P/> Our concern is that since there is equity in the property, the lender  may not care  to allow the postponement. The representatives initially advised that we could submit the offer showing that there was a bona fide offer so that the lender would allow the postponement. I sent the offer several times and tried to no avail reach someone at  Freedom/CIT Company  only to be told last week that we needed to have proof of funds or a loan approval. I advised that we were in the process of the loan and that is why we need the postponement, so that the loan approval would be finalized.  <P/> I was finally able to get a hold of a representative at the bank and I was informed that they had received the offer on XX/XX/XXXX  and proceeded to review the offer as a short sale. I advised that it was not a short sale, that it was a standard offer as there is equity. Apparently the " short sale '' was denied, so now that does not help us since there is a denial in their system. Neither the Successor Trustee/Son of the deceased received nor myself, received notification of any sort advising of what had transpired on their end.  <P/> That is another issue that we have been facing, it is very difficult to get through and have to wait for the representatives to call when they are available. I also called the  Attorneys handling t he foreclosure process and they too advised they have had issues getting through to them.  <P/> The family would like assistance from FHA/HUD as well since it is an FHA loan to be able to receive a postponement as the lender representatives mentioned that they are following FHA guidelines which would seem contrary to FHA/HUD wanting to foreclose when we just need at most a  30 to 45 day po stponement. I understand that FHA/HUD from many of the advocacy groups I belong to, that they are here to prevent a foreclosure.  <P/> The reason for the delay in closing was that the buyer had a lien that show up that should not have and it had to be resolved. This issue has now been resolved.  <P/> I appreciate your assistance in this matter in preventing a foreclosure and assisting the family keep the long time home remain in the family patrimony.
The agency continues to call me 10 times a day. They have sent documentation of the medical procedure that i recieved without proper HIPAA release signature nor has the company provides the requested sign copy of proof as set by the FDCPA, FCRA acts. The agency and hospital clearly violated my right to privacy in accordance to OCR. Under the FDCPA I have the right to request validation which they submitted a copy of my procedure and medical record with out HIPAA release signature signed by me to give them the right to have my medical information.
This current complaint stems from my previously filed complaint ( XXXX ). My issue originally was merely that I wanted to know the full account number of a XXXX ( for which I apparently am an authorized user ) that was being reported on my Equifax credit report ( I specifically advised Equifax that I was not filing a " dispute '' ). Now, after receiving a response from Equifax to my original complaint and having spoken with their representatives directly, the issue of trying to obtain the full account number of the XXXX remains, but now also that Equifax sought to have XXXX stop reporting the card information on my credit report, despite my specifically plea that they not do so. All begins with my learning some months ago that I am an authorized user on a XXXX ( which has been open for 20 years ).  Wanting to learn with whom I am sharing credit, I first contacted XXXX   directly. However they were unable to locate an account using my social security number or other various forms of identification. They told me they could look up the information in their system if I could provide them with the full account number. I then contacted Equifax to obtain the full XXXX account number and specifically stated that I was NOT disputing the reporting of the XXXX  on my credit report. Rather than providing this information to me ( or telling me they were prohibited by law from doing so ), they apparently contacted XXXX on the basis that I was disputing the reporting, and so reporting of the card was stopped in XX/XX/XXXX, which has lowered my credit rating. In their response to my original CFPB complaint Equifax advised that XXXX XXXX is currently not reporting on the Equifax credit file. If you feel this account should be added to your Equifax credit file please contact the creditor and request to have the account information reported to the credit file. '' Of course because I do not know the FULL account number, I can not request the XXXX do this. I feel like I am in some sort of seventh circle of XXXX with this issue. On XX/XX/XXXX I contacted Equifax at the number provided in their response to my complaint and spoke with XXXX XXXX, then XXXX, and lastly XXXX. I was told ( 1 ) that Equifax is not allowed, pursuant to federal law, to provide me with the full account number due to security purposes, and ( 2 ) Equifax no longer has information about the account because it is no longer reporting on my credit report. I was advised that the only entity that can provide me with the full account number is XXXX. XXXX told me that there was no one at Equifax who could cite me the specific federal act or statute that prohibits them from providing a credit holder with their own complete account number.
I have XXXX accounts that are reporting incorrectly I have disputed several times and experian refuses to investigate Account XXXX XXXX XXXX account is reporting incorrectly Account XXXX XXXX XXXX account is reporting incorrectly
I have notified the credit agencies several times and nothing seems to be done about this. There are unknown accounts which have no validation and names listed I have never used. 

XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX Names XXXX XXXX and XXXX XXXX I have never used these names nor have ever been called these names. Remove and any accounts associated with
Someone opened a credit card in my name through XXXX ( XXXX XXXX ). I have a regular XXXX account but not a credit card. The person who stole my identity used a fraudulent email address to open the card ( not the same one that I have on file with XXXX ), and a phone number that is not mine ( and not the same as I have on file with XXXX ). 
I reported this to XXXX credit card and they denied my fraud claim, stating that, " the information on the account verifies to you ''. This is completely incorrect. XXXX did not properly verify my information before issuing a credit card to someone who stole my identity. 
I will be submitting a police report shortly, and have already filed a XXXX complaint.
I went into the branch to order checks for recently new account because my account had been compromised. Someone had taken XXXX illegally from my account. The banker actually opened addition savings account which I was not aware of, he never asked me at all. I received a another bank card in the mail. I already had a savings account Ways To Save, no monthly charge. Now I am being charged {$5.00} monthly fee which is eating up my balance for no reason. I contacted the customer service department and they apologized about it said they would close it but I 'm currently being charged. 
When I first opened my Wells Fargo account 12yrs ago, I received XXXX new accounts. The banker opened a second account in my name. I took the information to the bank they closed the account and gave me free checks. Wells Fargo scammed me during the time I had already been scammed. I want my money back from charges from accounts the illegally opened in my name.
XXXX ( Chase Banker ) called me twice asking me to open a Chase account & we could earn {$500.00}. We set up an appointment date for XX/XX/XXXX at XXXX. We opened a checking account & deposited a check for {$2000.00}. Criteria for receiving {$200.00} from chase for opening the checking account meant we had to set up a direct deposit. My husband contacted XXXX on XX/XX/XXXX to organize direct deposit of his wages. On XX/XX/2017 he received notification from XXXX that his first check was returned as the Chase Account was closed. I tried to access the account online & was told that the account did not exist. I called XXXX & he advised that there was an issue with the check & it had been mailed back to me & I needed to call the number on the back of my ATM card for further info. I called the company that issued that check & they advised that the check had cleared on XX/XX/2017. I called the number on the back of the ATM card & the operations officer advised that they could not verify the issuer of the check so the funds were on hold & i needed to get them a number for the company so they could verify issuance of the check. Chase never contacted me to advise there was any issue, they just placed the funds on hold & closed the account. It 's the most unprofessional treatment I 've ever received. I contacted the company that issued the check & got the number for the person that signed the check, I called Chase with his name & contact details & they have advised that they can not verify his number as his name is not on public record as being associated with the company. I have never heard anything like this in my whole life.Chase has {$2000.00} of our money on hold for a month now.
XXXX XXXX XXXX, account number XXXX, a collector for XXXX XXXX XXXX is trying to collect a debt I do not owe and is wrongfully appearing on my XXXX  credit file. 
At the time of service I had XXXX, XXXX XXXX XXXX XXXX, A GOVERNMENT INSURANCE that I have had most of my adult life and that was in full force and effect. 
The treatment was for XXXX XXXX XXXX XXXX that was completely covered by insurance.The insurance person at the hospital came to me after doing the paperwork and said regarding the insurance '' ok, everything is fine. ''
Hello, XXXX ( XXXX is a bill collector ) of Suntrust Inc., sent me a letter claiming my wife and I were no longer protected by the SCRA and that I needed to complete their online IBR update. I did go online and complete their IBR update. 

Furthermore my wife, XXXX was an XXXX in the XXXX until XX/XX/2016. Since XX/XX/2016, she is NOW an XXXX and will be for the next 6 years. 

Thirty days after XX/XX/2016 ( on XX/XX/2016 ), I was hired as a XXXX, XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 
I 'm still employed working for the XXXX XXXX XXXX XXXX XXXX employee. Does n't the SCRA provide time for military families to transition from XXXX to XXXX?? 

I did receive a letter from your XXXX claiming an anonymous source notified them that I was no longer protected by the SCRA. We were lead to believe by our Judge XXXX XXXX XXXX XXXX XXXX office that we are still protected by the SCRA as long as we work for the military. Is this incorrect?? 

We wrote XXXX XXXX XXXX XXXX of XXXX who we communicated with in the past, but we have received no response from XXXX regarding this matter or any of our questions. 
XXXX XXXX XXXX XXXX
I lost my debit card last month earlier in the month beginning of this month to this retaliatory XXXX XXXX denial of loans fake Prejudice as PNC Bank and they 're trying to charge me {$110.00} for items I do n't have never received, s supplicating me with any name matching doc, trabsactions slips wherefore where that information transactions or matching the credit card in my name has it appears on my bankthe debt card this has n't been implemented or done for me.this been going on since XXXX XXXX XXXX with soliciting me for money and I never got any of my funds as far back as a year ago I do n't owe XXXX XXXX XXXX any money I have Department of Human Rights complaints pending against PNC Bank for hateful discriminatory crimes and actions they have taken against me at one of their facilities on XXXX and XXXX I was a cruel situation and all they did was made sure that the guy that was involved the branch manager they make sure his XXXX XXXX disappeared right away soon as when I filed the charge vs the bank nonstop harassing calls instead of answering too cfpb, is the Retaliatory norm '' it 's like XXXX XXXX allowing me to open a name up n fraud as a idtheftvicyim, and then sold me at XXXX XXXX a while with two defective heavy battery 's that do n't work..plus upon arriving at XXXX  yesterday the code was not verified to my cell phone as it should had been thnks to a freeze '' on my credit this comp breached and bypassed, a requirement by law, n receipts say pdunn, n thee, computer at XXXX XXXX XXXX XXXX XXXX just dished out a number card, accnt, without security, similar to PNC Bank dish out funds no security then say like " oh u owe overdraft '' no.sorry PNC Bank debt collectors no license I owe u zilch
I received an Exclusive Pre- Qualified credit offer from Capital one. I applied for it with the Reservation # and the Access Code they provider in there offer. I was denied Credit, with a Hard Inquiry Hit of 40 points off of my credit score ... 40 POINTS!!! I Read the small print it said with the Pre- Qualification I would Not Receive a Hard Inquiry.I'am so frustrated! I have been trying to repair my credit. XXXX XXXX suggested I needed more revolving credit and strongly suggested Capital One. It feels like Blackmail. 40 Points for being Denied is unheard of ... please help!!! I applied for this Capital One Offer The Middle of XX/XX/2018.
I applied for a loan modification over a year ago. I have completed the package three times and sent all require documents requested by the mortgage company. Each time about three months into the process they closed the modification for missing documents. 
They do not response to email, fax, are phone messageXXXX mail. I call they put me on hold for hours then they said call back in 5 days. Over a year it is impossible to get a application in their system. They are raising my payment every six months which raise my payments by XXXX. My loan is current so do not care.
On XXXX/XXXX/XXXX I sent a letter Certified mail # XXXX XXXX XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX for validation XXXX debt and XXXX authorization. 

I requested that XXXX XXXX XXXX provide a breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

XXXX XXXX XXXX have not complied with this request.
In XXXX I ordered an XXXX computer from XXXX   on easy pay. My order number was XXXX my name is XXXX XXXX. The computer came to my home and it was too large and bulky. Since it was a XXXX time order I could send it back which I did around XX/XX/XXXX. Not hearing from XXXX I called customer service and was told they received the computer and issued a credit of {$220.00} on my credit card. I kept checking my card and there was no credit so I called back Cust service was again assured my credit was issued  and should show up. Today still no credit called again today XX/XX/XXXX and was now told there was a hold put on my return and she didnt know why but corporate could help. No one answers the phone at corporate you just leave messages. They have stolen {$220.00} from me that I want returned ASAP. According to consumer reports they have numerous complaints against them for this very reason. My name iXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX.
Transunion is reporting a collection account for XXXX XXXX in the amount of {$79.00} account XXXX that was never validated. I have asked for a detailed explanation of the charges, a copy of the assignment and other information that they legally should provide before reporting an account according to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b )
Submitted disputes numerous times with Transunion to delete inaccurate/false information on my credit report. I am very upset that you have included the below information in my credit report due to its damaging effects on my credit standing. As you are no doubt aware, credit reporting laws require bureaus to report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing, and has negatively impacted my life. 

The following information therefore needs to be deleted from the report as soon as possible : XXXX XXXX, acct. XXXX. I have no knowledge of this fraudulent entry on my credit report. I have no accounts with the account numbers reported. I opened no accounts on the dates referenced. I have had no communication in any way, EVER, from the reporting agencies. The above information needs to be deleted as quickly as possible and confirm these deletions within 30 days. If these fraudulent accounts are not permanently deleted, and/or if you are unable to verify and refuse to delete, I will be filing appropriate complaints against you with the FTC for FCRA and FACTA violations, the FDCPA for violations of FACTA and the FCRA, I will also file a complaint with other appropriate State and Federal authorities. Please note that your Credit Reporting Agency is now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on Abusive Acts or Practices. ( Section 1031 of the Dodd-Frank Act )
Since Wells Fargo took over Wachovia bank 6 years ago I 've been using their services ; which I 'm not happy from day one. I have direct deposit {$1500.00} from XXXX ( XXXX ) pension fund Wells Fargo deducted my mortgage payment for the amount of {$980.00} per month at once I was using the balance to pay XXXX or XXXX bills, but I was n't every month. My concern is to have enough to cover my mortgage there was a time tat I was n't using any money left from my account. I never see my balance or never have any money left ove to pay the rest of my other bills on my checking account. Besides I have {$600.00} or {$400.00} to deposit and still be short at times. My problem with the Wells Fargo bank is that they never have enough money to pay my mortgage or any bills. Three years ago I went to the branch at XXXX XXXX and XXXX and deposit {$600.00} on my sister account and she lives in Florida and she never received it .A week later I asked her if she got the money her response was no i have n't. So I went to the bank and complained about it, but I did n't have my receipt. I did request for them to check the Camera or the video and they refused to help me. I described the person who attended me that day at the window, and their feedback sorry there is nothing we can do since you do n't have proof or receipt.
Hard Credit Inquiries on my XXXX  and Transunion Credit Reports : XX/XX/2017 XX/XX/2017 These are Unauthorized Inquiries, that I still to this day question where this came from I have tried to work this out with XXXX XXXX on this and they refuse to Address this situation. I will continue to file complaints from this point forwarded and increase the pressure until they properly address this issue or delete all the hard inquiries off my credit reports. A new complaint will be submitted every 15 days until a resolution is met XXXX AND TRANSUNION : They refuse to even investigate the issue I have asked them many of times and they continue to say its just a record, and that it may be but to me it more than just a record. XXXX  and Transunion continues to break the Fair Credit Reporting Laws that clearly states the following : That I have the right to dispute incomplete or inaccurate information. If I identify information in my file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. 

*****Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. ***** I have asked Transunion and XXXX   to investigate and they are NOT PROPERLY INVESTIGATING my disputes not when they release an update in 1-2 Days. I demand that TRANSUNION AND XXXX  INVESTIGATE THIS MATTER. I WILL ALSO SEND A COPY OF THIS COMPLAINT TO THE CEO 's of TRANSUNION AND XXXX
Equifax had a leak affecting 140ish million americans. A visit to their website regarding if your info was leaked told me it was probable that my info was leaked.
I do not owe the full XXXX $ balance. I made payments on this loan and I should only owe about 100 $ left because I only borrowed XXXX . I was told that the debt does not go up.
I have been trying to deal with this since XX/XX/XXXX, but this still hasn't been fixed. I set up an automatic payment in XX/XX/XXXX, which was never set up until XX/XX/XXXX. After setting up the autopay in XX/XX/XXXX via email, I assumed that would take care of minimum payments. However, it wasn't set up as promised, and I was charged a late fee because of their inability to set up this automatic payment. They waived this fee in XX/XX/XXXX. Then I was told that the automatic payment would go through. And guess what, it didn't again. So I missed the next payment too, and I was charged another 2 late fees even after multiple calls. During all these calls, I was told that the late fees would be waived, but they still weren't, nor were the automatic payments set up. Then finally the automatic payment was set up on XX/XX/XXXX, but I was still waiting on the refund of the 2 late fees. One was refunded, but the second wasn't. When I called back, I was told that they couldn't refund it, even though on the previous call they did tell me they would. Not only that, but they have been charging me interest on the late fees which they have not refunded. After talking to them for half an hour today they finally told me they will not be refunding the late fees, even though it was due to their fault that even after setting it up in XX/XX/XXXX and following up with multiple phone calls totalling to many hours of time, this was still not resolved. I feel that this is utterly unprofessional and I should be refunded the late fees since it was their inability to set up a simple thing like autopay that caused this whole mess in the first place.