WillisBack/dataset-financial-user-claim huggingface dataset:
I tried to get some financial assistance which the company offers during times of hardship. I ask at the outset of the process for the underwriting guidelines so I knew what to expect and how to fill out the application properly. They wouldn't provide the guidelines, nor would they tell me anything about them. I had to resubmit the P & L 6 separate times with 6 separate reps from the company telling me 6 separate things. In the end they denied it because of an obscure underwriting rule that they never told me about even though I had repeatedly asked them to do so. 

My sense is that they offer these assistance programs with no intention of making good on the program. The guidelines were obscure and the representatives were vague and didn't know their own program.
Back in XXXX XXXX, 2015, I applied online for American Express Business Gold Rewards card ( ref : XXXX ). Back then Amex was offering XXXX membership rewards points as a sign up bonus. My application said it needs to be reviewed, so I called Amex to speak with a credit analyst who approved the application. I checked several times with Amex representative to make sure that the sign up bonus was correct ( XXXX ) and Amex representative confirmed it. However, when I met the required spending Amex only awarded XXXX points claiming that that was the sign up bonus on my application. Multiple calls to Amex failed to make any progress. I asked to pull conversation tapes from approval call, but Amex claims they ca n't locate the tapes. I also provided Amex the screenshot of the offer I originally applied online. 

The difference of XXXX points can be valued at $ XXXX-XXXX depending on point valuation applied, so it 's quite a lot. 

Sincerely, XXXX XXXX
On XX/XX/XXXX I used the drive thru ATM at the Wells Fargo branch located at XXXX XXXX XXXX XXXX, TX XXXX to deposit Money into my personal checking acct. I put {$2200.00} in {$100.00} bills into the ATM. It asked me to verify a {$1700.00} deposit. I replied " no '' and pushed the button to return all items inserted. I returned XXXX  {$100.00} bills. I looked around on the ground and saw no other bills. I then took the bills returned inside the branch and had the cashier/teller count them. She put them in a bill counting machine and confirmed XXXX {$100.00} bills. I asked the teller if they would mind opening the ATM to see if the missing bills were jammed inside. I was told at that time that Wells Fargo does n't own, have access to, or audit those ATMs. The company that does own them audits them every 2 or 3 days. I filed a claim there and was asked if I would like Wells Fargo to temporarily cover the {$600.00} loss while the claim was investigated. I said I would and deposited the {$1600.00} plus the {$600.00} credit into my checking acct. On XX/XX/XXXX Wells Fargo debited my checking acct {$600.00} informing me that the ATM owners had found no overages and the ATM balanced. This action put my checking acct in a negative balance and I was charged a {$35.00} overdraft fee. The following day a bill I had previously scheduled to debit was payed by Wells Fargo adding to the negative balance and I was charged another {$35.00} fee. Total loss {$670.00}. Wells Fargo advertises the ATMs as their own giving consumers the feeling of security in using them. Their Logos are prominently displayed on them and their website encourages consumers to use them as being safe, secure and reliable. However, they neither maintain or audit them, leaving this to a second party company. I followed up with Wells Fargo on XX/XX/XXXX stating I disagreed with the findings of the 2nd party audit ( owners of the ATMs ). Wells Fargo told me they would review the findings and that it would take 10 business days. Apparently they could find no discrepancies in the 2nd party 's audit results. I was advised of this through mail 3 weeks later.
Santander Consumer USA is reporting to the credit agencies that my account is charged off. I disputed the accuracy of my account status with the Credit agencies. I also contacted Santander Consumer USA who had stated that due to my account being past due in XX/XX/2017, they will not update my account status even though Im current. How can a company report the account as charged off but still have current payments. I am not past due on my account.
On Wednesday, XX/XX/XXXX, an employee at XXXX XXXX affiliate store, XXXX XXXX, signed me up for an unauthorized account. I was never shown a credit card brochure, told about a credit card, or anything of the sort. I have had to work with the credit bureaus to have this credit account removed from my records. The company was not concerned at all - they have an employee requirement to sign customers up for a specific number of credit cards a month, which likely fosters the employee 's desire to do this. The employee, in his haste, to sign me up for an account used my middle name as my last name. I was able to get this credit card removed from my credit records, however it did impact my credit score.
I pulled my report once again after clearing up incorrect information show from a monitoring service that I'm in the process of getting a vehicle loan for my XXXX  business and I have unknown loan on my report that's not mines at all show XX/XX/XXXX. I am filing this initial complaint being consumer financial protection bureau helped with clearing a unknown item recently. There is an account that show as a collection that I don't have and not aware of and I am demanding that this account be deleted & removed permanently from all 3 credit bureaus - Experian, XXXX XXXX , XXXX XXXX based my research says by the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of XX/XX/XXXX.
I had called the company when my husband had gotten very ill. We had arrangements made but there is no history of this occurring to their records. The credit card is being reported after being verified on all three credit agencies. Here is an example of XXXX. 
XXXX Payment HistoryYear XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * * * * * * * XXXX XXXX XXXX XXXX * * * * * * * * * * *Payment History KeyYou can see in XXXX when my husband got sick, we had arrangements made, and we were supposed to begin deferred payments but the card was closed. This is not what was agreed to. I need help getting these inconsistencies removed from my tradeline they are destroying me. At first I wanted my card back because that was the original agreement now I just want it paid and removed from all three agencies due to all the mistakes, communication, and discrepancies.
Well, I graduated College in 2007, Soon after then, XXXX XXXX wanted to collect, I tried to set up a payment I could afford, but they pushed deferment on me. The thought of no payment sounds great to a struggling single mother. As time went on and no other options where given to me when I asked for payment relief it was never anything I could afford, so my family suffers from high payments. I find my childrens needs much more important than Navients. I lost my job two years ago and all they can offer me is interest payments still way to much for me to afford! One of their employees was so mean when I was trying to work some kind of payment plan, she told me I needed to sell my car to make the payments. Totally out of line! So here I sit at the end of my six months of " interest payments " my payment is now {$80.00} more, I have no options but to be delequent? I have Federal loans that are under Income Base Repayment this is working for me. It is my understanding Navient should be providing something similar? ..I just do n't have money to pay them, it finacially straining on my family. I find talking to them is demoralizing, just because I am poor. This company accutually causes XXXX, XXXX, and hardship on families.
The debt collector called me to ask for medical fee that was paid by my health insurance in full. I told them to check with the hospital that this is no longer a debt and they refuse to do so. The hospital bill was paid late by my health insurance because the hospital did not give all information to the insurance.
On  XXXX   XXXX , I discovered  XXXX  (  XXXX  ) was re-inserted onto my credit file. You are required to notify me within 5 days of re-inserting a previous deleted item. I did not receive a notification. Please delete this immediately.
I disputed the above file # XXXX ( 2 ) times in the last 60 days. The pay status is showing account 60 days past due, also shows 60 days late XX/XX/2015 and 30 days late XX/XX/2015. This account was paid on time and paid off. Each dispute Trans Union responded back to me Investigated and no change. Well the creditor ( XXXX XXXX XXXX XXXX ) sent me these 2 letters with apoligies and a {$25.00} gift card for the trouble and they instructed Trans Union to correct the account pay status as Paid/Closed and payment history XXXX XXXX and XXXX See attached documents. Trans Union has refused, and still reports false information.
I have a loan with SALLIE MAE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and SALLIE MAE with no successful resolution. XXXX and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XXXX - XX/XX/XXXX.
Transunion, XXXX and XXXX has not corrected my Credit File to reflex what is actually been paid in full.

XXXX XXXX and XXXX XXXX XXXX should show a XXXX Balanced Owed. My Credit Score has dropped from XXXX to XXXX due to this Misinformation from these three Credit Reporting Agencies. I want them to correct my Credit File so I can get Credit again. As of this date I have been Rejected for Credit Cards and..

Car Loans because of this Misinformation showing I owe on these two accounts that are Closed with a XXXX Balance Owed.

Waiting for a Reply, XXXX. XXXX XXXX
My employer XXXX deposited my payroll check on XXXX/XXXX/XXXX, Chase advised me that the funds would be sent back to the originator because the account was closed and there is nothing due on the account. I contacted my payroll department and they advised me the funds were not sent back to them. I have had to fight with Chase since XXXX/XXXX/XXXX to get my payroll check from them as of today XXXX/XXXX/XXXX I have not received my payroll check of {$310.00} even though I have called every week about it and was asked what high school did I attend and if you do n't answer it correctly for them then they can not answer your question. I informed Chase last week that I would contact the CFPB if I could not get my payroll. I was then transferred to the executive office and then transferred to another department where they gave me the tracer number. XXXX researched it and was told due to the privacy act chase will not release any information on this account. It 's the new year and I still do not have my check.
Today, I received an alert that my credit report was updated with adverse information. I received this info from XXXX XXXX. I further learned that a collection agency named Allied Collection Services in XXXX XXXX, NV, reported to the XXXX national reporters under my name a claim owing to XXXX in the amount of {$1800.00}. I have never in my life had any dealings with XXXX. I contacted Allied who up to today have never notified me with any communication regarding this matter, and was told that I needed to file a complaint with my local police, call XXXX, then forward them copies of the police complaint and disposition from XXXX. Before this debt was reported to the credit companies, I was never given an opportunity to dispute this matter and am now being required to straighten it out on my own when my credit has already been tarnished. I expect the credit reporter to resolve this issue and remove this mis-information from my reports. My assigned account number from Allied is # XXXX. Their phone is XXXX.
Refuses to report to the credit bureaus that this debt is paid after they settled with me. Paid off settled amount and now is stating I owe remainder and that the payment is late. Tried multiple times to contact agency and then transfer me and will not talk with me.
We received a letter from Complete Payment Recovery Services , Inc. out of Alabama, regarding a debt from XXXX we DO not even KNOW who or what this is. Letter sent out XXXX saying it was a payment to a company we do not even use or ever heard of. Also, an amount we have never paid. We wanted to pass this on if this company is doing this to businesses and are they are not paying attention, it could be a issue. I also do not even use those check numbers.
I went to the ATM on XXXX the XXXX and deposited XXXX checks XXXX for XXXX and XXXX for XXXX which brought my balance to over XXXX. I pulled my account up on line the next day Monday the XXXX, and my statement was showing my Balance as XXXX and my available balance as XXXX. My deposits were pending and so were my debits. XXXX Monday night they put all my debits through including a check for XXXX at XXXX. Then at XXXX they released my entire deposit. According to the person I spoke to at the bank ... they put the withdraws through first at midnight, but do n't put the deposit in until the am. They claim it was XXXX different days. Therefore purposely over drafting my account, and charging me XXXX. But yet if you pull my statement you will see no where, where I was in the negative. I called the bank to ask that they waive the XXXX they refused. They also did this back in XXXX. I had a direct debit come out of my bank at XXXX XXXX, and at XXXX in the morning I had a direct deposit come through my bank. They said I did not have enough money on the XXXX Knowing that I had a direct deposit coming through in the am ... something needs to be done about this how can you overdraft knowing there is a deposit coming through hours later. I think this is very confusing the way they are doing business, and they purposely do business to confuse the consumer.
Ive been working with Wells Fargo since XXXX XXXX to sell my house as a short sale. I have provided Wells Fargo all the documentation they asked for to process this action but they keep telling me they havent received my documents and that I also need to send in more documentation. I also have sent in cash offers to the bank from a buyer interested in purchasing my house but Wells Fargo rejects all the offers or they say they never received the offers. Im always assigned to a new home preservation specialist every three weeks so when I call the bank I have to go through the whole process all over again. My house could have been sold three months ago with a cash offer of {$150000.00} from the remaining balance of my loan of {$170000.00} but they rejected it and the buyer walked away now Wells Fargo is sueing me and putting me into forclosure. Ive been working with Wells Fargo and I have corporated but Wells Fargo isnt working with me or corporating with me. I have done everything Im supposed to sell my house to pay my loan off but Wells Faro is putting me into forcloseure on purpose. When I call I can never get anyone on the phone. I just want to sell my house and get my loan paid off. Wells Faro has been a nightmare for me. They are comiting criminal activity.
Caliber Home Loans has engaged in the prohibited pattern and practice of XXXX Foreclosures. The new and old lenders have colluded and conspired to do a XXXX Foreclosure. Caliber Home Loans is effectively acting as servicing arm for XXXX, a private equity vehicle packaging up XXXX of dollars worth of troubled mortgages. XXXX has packaged lots of funds, but the most recent significant ones are XXXX XXXX Master Participation Trust and XXXX XXXX Master Participation Trust. Based upon the information that I 've gathered, it appears XXXX sold its interest to XXXX Master Participation Trust while the loan was subject to a foreclosure lawsuit originated by XXXX. Instead of discontinuing the lawsuit, or substituting XXXX Master Trust as a plaintiff, XXXX has continued the Foreclose lawsuit under the representation that it is the owner of the loan without notifying the court that the ownership has changed. 
On XXXX XXXX, XXXX, XXXX was [ n ] ot licensed or registered to operate in the State of New York according to the New York State of Department of Financial Services ( DFS ). XXXX is claiming to be the owner and holder of the note and mortgage on XXXX XXXX, XXXX. No documentary proof exists showing XXXX was actually the owner and holder of the note and mortgage at the same time. Caliber Home Laons stated that XXXX was the previous servicer of the loan. This is not true and patently false. ( emphasis added ) XXXX was never yhe previous servicer of the loan. 
XXXX. ( " XXXX '' ) is a Delaware corporation and an affiliate of XXXX XXXX XXXX with headquarters at XXXX office in New York. XXXX was the sponsor of the XXXX transactions described in this Order. As sponsor, XXXX purchased mortgage loans from originators and sold them to depositors for resale to the XXXX trusts. 
On XXXX XXXX, XXXX, the Securities and Exchange Commission ( " Commission '' ) issued an Order Instituting Cease-and-Desist Proceedings Pursuant to Section 8A of the Securities Act of XXXX and Section 21C of the Securities Exchange Act of XXXX, Making Findings, and Imposing a Cease-and-Desist Order ( " Order '' ) against XXXX ( " XXXX '' ), XXXX., XXXX, XXXX, and XXXX ( collectively, " XXXX XXXX '' or " Respondents '' ). 
In the Order, the Commission found that the Respondents engaged in misconduct including misrepresentations or omissions in the offer or sale of residential mortgage backed securities ( " XXXX '' ) relating to two undisclosed business practices that violated Sections 17 ( a ) ( 2 ) and ( 3 ) of the Securities Act of XXXX ( the " Securities Act '' ). 15 U.S.C. 77q ( a ) ( 2 ) and ( 3 ). 
Caliber Home Loans has also violated PART 1024 -- REAL ESTATE SETTLEMENT PROCEDURES ACT ( REGULATION X ) Subpart C -- Mortgage Servicing XXXX, XXXX and XXXX.
Hello, To whom it may concern The reason for this complaint today is I have incorrect information reporting on my credit report. I disputed the process three times. They still have failed to show me proof from the original creditor to report the information and no signed contract. I disputed this information XX/XX/2018 WITH EXPERIAN AND XXXX. I received a letter from Experian on XX/XX/2018 stating that they would look further into and investigate the information provided by me within 45days. I still haven't got a reply as of today 's date XX/XX/2018. It has been two months and more since i received the letter. I still haven't received anything from XXXX SINCE I MAILED THE LETTER OUT. They have went over and beyond 45days violating my consumer rights. I will ask for ALL the information that i disputed must be deleted immediately. If this information is not deleted in 15days i will file suit against these two bureaus. I have proof of USPS receipt as well as documentation of my disputes. Hopefully we can get this matter resolved with no further action.
Several days before our vacation, I used some of my work bonus to pay a large portion of my Wal-Mart MasterCard balance. The amount I paid was {$3000.00}. This card was to be used for the hotel and other misc. charges while on vacation. 

We arrived on Saturday XXXX/XXXX/16 and the MasterCard was declined at the hotel front office. I immediately call customer support. I was told that the {$3000.00} payment was on hold for an unknown reason. I was told, possibly because it was too large of a payment I explained the situation and also informed the agent that this was an electronic transfer from my bank and not a check. After explaining what the card and money transfer was to be used for, the agent was able to resolve the situation and I was told that {$3800.00} was available for credit. The card was subsequently accepted at the hotel front office. 

I made a purchase on Friday XXXX/XXXX/16 at the local grocery store and the Wal-Mart MasterCard was again declined. After using my debit card, I again called customer service. This is when I was told that my credit limit was changed from {$4500.00} to {$900.00}. I explained the situation for a second time. The agent was unable to help and I requested her supervisor. I explained to the supervisor the situation for a third time. I also explained that it seemed more that coincidental that after the credit card company received my {$3000.00} payment, they then decided to limit my credit. The supervisor offered a temporary increase of {$250.00}. I disinclined as this would do nothing to pay the {$1600.00} hotel bill. I did request my {$3000.00} payment back minus the monthly due. He indicated that he did process the request. 

Note that we have not defaulted on this card or any other card. the fact that the credit card company decided to change my limit after they safely received the balance of what was over the new limit seems unethical. I understand that I had medical issues and some bills went to collection. This would seem consistent with a limit change and I 'm not implying this was wrong or unfair. What I am implying is the underhanded way business was conducted on this matter. The credit card company put me in a very bad situation, while the whole purpose of having the card was to provide a safe way of traveling with the security of having funds available. 

I am asking that the credit card company return my {$3000.00} payment minus the monthly payment due. The payment I made which I succinctly communicated to them was to be used as available credit for my vacation. I also ask that the credit card company be investigated for unethical practices for changing my limit after I paid the balance. I believe this would not have been done had I not paid the balance.
I disputed an " Adverse Account '' with Transunion multiple times in reference to an old account which is : XXXX Bank, a revolving credit card account which I included in my Chapter XXXX Bankruptcy filed on : XXXX XXXX, XXXX. XXXX stated they did not XXXX I filed for bankruptcy until XXXX in which they then closed the account. 

I submitted a letter to XXXX regarding the closing date which they admitted was in error, and should have been in XXXX not XXXX, but have not responded to my letters, or have submitted this correction to Transunion, so Transunion can delete this account from my file. 

Transunion stated that by me continuing to dispute this information was frivolous, and that they were reporting this information correctly with the Fair Credit Reporting Bureau. Transunion is reporting this information with " account included in bankruptcy under " Pay Status '', and Chapter XXXX Bankruptcy under " Remarks. '' Transunion removed the Chapter XXXX Bankruptcy from my file, but not the XXXX account, which should have been removed in XXXX XXXX, XXXX. 

Transunion has the removal date as : XXXX XXXX, XXXX, not XXXX XXXX, XXXX, which would make this account 9 years old. 

I am requesting that Transunion update, and remove this account immediately from my file.