WillisBack/dataset-financial-user-claim huggingface dataset:
I began taking control of my financial matters and pulled my credit report. After careful review it was determined that I had been a victim of identity theft. Listed on my report was a collection charge in the amount of {$1700.00}. Immediately I contacted XXXX to inquire about the said charges and any details that could be shared. As it turns out I 've never lived in the state of CT at anytime in my life at either address that XXXX csr provided. Secondly I contacted the credit collection agency as well, informing them of the fraudulent activity. The collection agency indicated the would send a investigative packet out to me to complete. I did offer them a copy of my lease which clearly indicates my residence for the ladt 8 years.
They call daily ( in the morning ) and sometimes multiple times during the day ( as late as XXXX ). Either they wo n't leave a message, they talk very suspiciously, or there 's complete silence on the line when I try to communicate with them.
I was a resident of an XXXX owned property for alleged monies owed in regard to a rental apartment. I was sued by XXXX XXXX these monies in XXXX XXXX XXXX and on XXXX XXXX, XXXX a Stipulation and Order for Payment with Judgment to Be Entered Upon Default was entered into between myself and XXXX XXXX. This matter was never turned over to a collection agency nor was any attempt to collect these monies ever made prior to the filing of this litigation. XXXX PROPERTIES ( a separate and unrelated entity from XXXX XXXX XXXX is incorrectly reporting this matter on my credit. According to the lawsuit filed, I do not owe money to XXXX PROPERTIES. In addition, this matter is being reported as a revolving collection account which is more than 180 days delinquent. The payments made on this account have been made in compliance with the XXXX 's XXXX attached hereto and have NEVER been late or delinquent, nor have I defaulted on any such payment. Neither XXXX XXXX or XXXX PROPERTIES have corrected this information. I have also disputed this matter with all three credit bureaus who have also failed to correct this information. I do not owe monies to XXXX PROPERTIES. This account was NEVER past due, delinquent or defaulted upon.
TD bank debited all my sales amount, close to {$400000.00} and I called merchant services and costumer service as well but they are just giving me run around without any explanation. Its been over a week now and I have not received any return calls from them as of today. Please help
I went to kashable.com and filled out my address social security and other personal information and then they blocked me from accessing the remainder of the application. They then emailed me and asked for a copy of my drivers license and social security card and then after I sent it they immediately denied my application before I could finish it by sending me an email telling me that I been denied before I even completed the application.
To : CFPB Ombusman My name is XXXX XXXX XXXX and I am writing to you for some assistance. I know your time is precious so I will do my best to keep this short. 
I was the sole proprietor of my computer repair business. Over 13 years ago I took an order over the internet for the purchase of a large volume of color inkjet cartridges for XXXX XXXX printers. I was concerned at the large amount, so when I deposited the first check I mentioned that the check was from an internet sale. The clerk told me that by general rule if I wait 30 days and there are no problems, then all is good. I did that. 30 days passed and no problems, so I continued to do business with the person over the internet on a regular basis. 
9 months passed by with no problems. But then Wells Fargo tells me that all the checks are fake. I had XXXX XXXX dollars in my account at that time. Wells Fargo took that money and another XXXX XXXX dollars were transferred to my 2 Wells Fargo credit cards ( 1 business and 1 personal ) to cover the total of XXXX XXXX dollars in business I had done over the 9 months. Wells Fargo performed these transfers without my approval. Wells Fargo then proceeded to take me to court, while completely skipping the arbitration process. Colorado case number XXXX. 
I was completely broke. I lost my house, 2 cars, and defaulted on 5 credit cards, because I couldnt make the payments and was homeless for a time due to the actions of Wells Fargo. I was also the sole custodian of my daughter, who I had to send to live with her mother because I was no longer financially able to support her due to the actions of Wells Fargo. When the court date came around to address the additional XXXX XXXX plus some interest and late charges that were added to my credit cards which added up XXXX XXXX, I had no money to hire a lawyer, so the courts levied a judgement on me. 
After starting completely over and persevering through all this, I finally opened a credit union account a few years ago. A debt collector XXXX XXXX of law firm of XXXX XXXX XXXX XXXX in XXXX XXXX XXXX ) XXXX found funds there and have frozen them to pay for the XXXX XXXX still owed. 
Im and honest man. I didnt write bad checks. I accepted bad checks and Wells Fargo didnt cover me at all. I wasnt able to pay the IRS during that time and when they caught up with me I setup a repayment schedule and I have paid the IRS off in full. A few other creditors were affected by the actions of Wells Fargo as well, and I have paid them off as well. What Im saying is that I pay my debts. 
I dont feel that the actions of Wells Fargo over 12 years ago, nor freezing my funds currently are legal. I did some cursory research on Colorado Law and it is stated that a judgement can lapse after 6 or 20 years, but it also says it can be renewed for another 6 or 20. I havent found anyone who can tell me if Wells Fargo applied for the additional 6 years and of course the law firm is acting ignorant about that law. 
Im hoping that you can act as my advocate in this situation. I appreciate your time in reading my corresponce and hope to hear from you soon. 
Respectfully, XXXX XXXX XXXX XXXX XXXX
I registered for my Chase card XX/XX/XXXX. The promotion I signed up for was to spend {$2000.00} and earn XXXX reward points. I contacted Chase in XX/XX/XXXX prior to my 3 months period ending to confirm I have met the requirements and the Chase representative assured me I met the requirements and do not need to spend any additional dollar amounts. 

I tried to create my Chase XXXX rewards login but I was having trouble being that the points did not show in my account. I contacted XXXX regarding the points starting XX/XX/XXXX they assured me they will reach out to Chase and follow back up with me. A week later, I get an email from XXXX stating Chase denied my request and the offer is to spend {$3000.00} for XXXX points. I sent a screen shot of the promotion I signed up for and a few days later they responded saying they can not assist me. 

I contacted Chase multiple times and they assured me they will work on it and follow up with me. A week passed and I did not hear back from anyone. On XX/XX/XXXX I called Chase again and the representative said she would place an encounter for me to escalate my case and to follow up the following Monday. On XXXX I called back and another Chase representative said there are no notes on the account or escalations. I explained I am planning my wedding and would like to use the points soon and if possible to mark it as urgent. She told me she can't and to follow up on Friday XX/XX/XXXX. I called today and I spoke with XXXX, supervisor at Chase and he told me the request is denied and there is nothing he can do. I explained to him the offer I originally signed up for was to spend {$2000.00} for XXXX points in return which I met and was assured by a Chase representative. I told him I have a picture of the promotion and I can send it to him and he insisted Chase will not honor it. 

XXXX went on to say he can not help me however, if I can give him the EXACT date I called Chase ( over 4 months ago ) he can place a request to listen to the call. Of course, I couldn't pin point the exact date and XXXX went on to say there is nothing he can do for me. I have been a loyal Chase customer for over 6 years.
To Whom It May Concern, I am writing as a very aggravated and displeased customer! I have an acct with your company that was placed on hold without my knowledge! Only to find out while attempting to purchase gas and was declined! I called a total of 3 or 4 Times lastnight with each calling an average of 45 mins to an hour hold with many complications when asking to speak with a supervisor! My thoughts are that you are a cold hearted company with no regards to your customer! How could you be comfortable with placing a custom on hold for that long of a time knowing she advised she was stranded at the gas station with no gas and questioning the reason for the decline of my card! If you felt there was a security concern or issue why would you not reach out to your customer before restricting there acct and them being embarrassed with a decline! I will also be reaching out to the Federal Commissioner office because this type of service is very unprofessional, unwanted, and unappreciated! Please reach out to me so transfer my money {$410.00} by XXXX XXXX and cancelling this acct!
I have an auto loan with Wells Fargo for a XXXX XXXX XXXX. They charged me XXXX fees for not having insurance coverage even though I have maintained full coverage for the entire period of the loan so far. When I refused to pay the extra fees, they began applying my monthly payments to the erroneous fees and then charging late fees. Finally they have charged off my account and will not correct their errors despite over 10 phone calls, email exchanges and discussions through the mail. They are also inaccurately reporting the incident to the credit bureaus, which show that I have not been making payments even though I make the agreed-upon payment ( from the initial contract for the auto loan ) every month and have never missed a payment.
I have requested and demanded that TransUnion validate a public record account/federal tax lien from XXXX.. On three occasions I have disputed this account because the information is not accurate because the account has been satisfied. I ask that they verify with the courts my name, address, date of birth, social security number, status, date of last activity, and the amount. I am overly confident that their entity did not investigate the matter. Each instance they responded by stating the debt is valid. I requested that they provide me with proof of their validation and they have refused. They are harming my way of life by negatively impacting my consumer report. TransUnion has cost me a job that would have supplied my family with a very nice cushion. I 'm stressed, confused, upset because their negligence and unfair practices has ruined my professional career.
I had been working with Bank of America for a loan modification since  XXXX  of  2016 . At that time, i had requested to be reviewed for the HAMP program since the program was going away. The Representative there advised that based on who my Investor was that I was able to apply for the HAMP program and there was still time as long as I applied prior to  XXXX   XXXX . 6 months later, they just barely approved me for a loan modification however, now my payments have increased and i still have an unrealistic interest rate of 6.375 %. I just dont feel that Bank of America  property evaluated me and now I am finding out that they never reviewed me for HAMP in the first place. When i contacted them they said it was too late anyways becau se that program no longer exists!
Judgement filed. I disputed the charges and the company has dropped the case due to lack of documentation and proof that the card was used. XXXX credit
I gave XXXX XXXX a notice of vacating the property on XXXX/XXXX/15 due to him creating and allowing a hostile environment where I was being discriminated against due to religion, gender and ethnicity. His tenant moved from their patios to the apartment entrance to harass my nephew and hung around in front of my door to intimidate me because they wanted me to move ; they were XXXX or XXXX men which scared me. I filed complaint with XXXX and he sent a bill for amounts not owed, He allowed his contractors to damage my chairs and never notified me of any repairs being done to the bldg. He put materials in front of my patio door causing me to fall XXXX and I have XXXX and health problems. When I moved in I had to clean the apartment due to roach mounds,, mold and mildew everywhere and coming through the paint. There were all sorts of insects like bedbugs, ants, roaches, spiders and bait coming inside the apt XXXX Workers with keys entered my apt while I was out and left clues to being there including leaving the door open. The contract said the notice had to be given 60 days before move out and on or before the XXXX of the month. I gave him the notice early so that he would be aware of the move and circumstance. He wanted me to give him the notice after 2 more weeks passed which I talked to him personally on the XXXX about this. So, he was given written notice and verbal notice of my move out. He charged me {$1000.00} for failure to give notice and cleaning expenses. I did what he asked, but he retaliated. I called the XXXX police about the incident and he said that he would do nothing without a restraining order, but he made sure he called the police on visitors that I had and you can check the record -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX GA XXXX. He would stand in front of my door every time he came into the complex which stressed me, because it was intimidating and said that he knows everything that was going on in the complex. His demeanor and actions reflected that he wanted me to move and the people in XXXX XXXX & XXXX made sure that I was n't welcome with their actions. I followed what he told me to do, but the fact that he owed me for the chairs means we break even.
Hi here we go again with Wells Fargo,2nd complaint in 1 week.I have a escrow account thru my mortgage that pays my property insurance.The letter from XXXX XXXX  attached claims they did not make this payment, which was due b4 XX/XX/17, today is XX/XX/17 & is asking me to pay it.Wells Fargo I am really getting tired of your non-stop XXXX & pay XXXX what is due them.Also this affects my insurance as it will show up as a late payment.XXXX  wants there money now which should have been paid 2 months ago.Thank you.
Senex services placed an entry on my credit as a collections I have asked them to validate the debt with no success I have contacted oringinal creditor and they stated I have no outstanding balance nor has anything been sent to collections with my name birthday or ssn. I want this entry removed and i want them to follow the laws as far as debt collecting. They have severely impacted my credit on a bogus claim I owe money and if not resolved I will pursue legal options if this is not validated and or this entry is not removed from my credit. I have no statement with Senex Services nothing with there name and address. or phone number i had to get online after my credit alert notified me of a deragatory entry on my credit. I have contacted and visited original creditor and this is not a valid debt1
I have a ldw ( loss damage waiver coverage and Gap insurance with Lobel Financial since XX/XX/XXXX i first financed my vehicle I've had this vehicle 1yr 10 months i am so close to paying it off. Car accident of My car was hit and ran i was not at fault on XX/XX/XXXX i submitted my police report to the company. After calling then endlessly and being hung up on multiple times vu the company 's Claims customer service rep, they eventually sen out an appraiser Two days later XX/XX/XXXX, she tokd me they'll have my repot the same day. I erged them to please expedite the process due to this situation holding me back from obtaining another loan for a vehicle because i do need to get to work with stable transportation. However i gabe them a call today XX/XX/XXXX amd was told the appraisal report was not sent to them so i hung up with the representative amd called the appraisal representative myself amd she informed me that my appraisal report was indeed sent on the same day XX/XX/XXXX, so the compnay definitely have it. Why are they making me sufder prolonging my claim? If they don't want to handlr thesw ttpes of things maybe theu shouldn't be in this type of business or providing tne tyoe od services they are offering, poor customer service and they give me the run around and hang up in my face, denying me to speak with a manger, they treat me like i am doing something wrong, like they are punishing me through dragging my claim out and getting me back on the road. I aksed then will tbey ne repairing my vehicle or would they be totaling it out so that I'll know what u meed to do for now however they are not giving me any answers when it is my right to know. This is sad because there's no other way to get in contact with anyone else for this company. I am very exhausted and emotionally botgeres dealing with this type of treatment from this company is this hie they treat their customers something big has to be done about this. I need more resources for getting this business recognized for these foul and negligent acts against consumers
I was mailed a XXXX XXXX CHASE Credit Card offer in the mail. This violated my opt out submission that i placed online for 5 years. This is more than three months after requesting to be removed from the mailing lists.
On XX/XX/17 I contacted XXXX XXXX XXXX XXXX XXXX  and spoke to XXXX XXXX. I asked her if her company had debt that I owed them. She looked up my name and said " No it was sent back to XXXX XXXX XXXX XXXX '' I said well your company continues to report this on my credit report would you please stop. She became Irate and told me to dispute it through the credit bureau and hung up the phone.
I refinanced my  XXXX   XXXX   XXXX   XXXX  was financed with  XXXX   XXXX   XXXX  in  XXXX  In  XX/XX/XXXX  , I fell on some hardship after making  XXXX  current/ok payments.I ended up also, totaling my vehicle.Became homeless for a few months, and was in between jobs.I made a payment in  XX/XX/XXXX .That was n't updated to the Credit Bureaus that   XXXX   XXXX   XXXX  . reports to.One of the criteria for   XXXX   XXXX   XXXX  .agreeing to refinance my payment agreement.I had to make a {$100.00} payment towards my previous account  XXXX . Before opening a new account with my new refinanced account   XXXX  ..  XXXX   XXXX   XXXX  .is reporting my account as a 120 days past due in   XXXX   XXXX  .When I made a payment in  XXXX  as instructed by   XXXX   XXXX   XXXX  .which took my balance down.Upon opening the new account  XXXX  that decrease is reflected on the new account.In the CRA  manual  in which the current status is clearly defined as a snapshot of the account status as of their last reporting.Which was n't reported correctly or timely to the    XXXX   XXXX   XXXX   XXXX   has a statutory requirement ( FCRA 623 ( a ) ( 2 ) ) t o update any prior reporting so as to maintain its accuracy. Their prior current status of delinquent is no longer accurate.My status should be pay as agreed/ok, closed/paid/refinanced to the following Credit Bureaus :  XXXX , and Equifax.
I obtained a loan from Exeter Finance Corp with an interest rate of 22.9 %. After making approximately 12 months of payments I began the process of purchasing a home and secure a mortgage. I was informed that my auto loan with Exeter contained a outrageously high interest rate, high payment, and the vehicle had around {$5000.00} dollars in negative equity in the vehicle. I was informed by lenders, my legal counsel, and the veterans home loan association, that I would still be able to obtain loan provided Exeter reported correctly and only reported a repossession to the credit bureaus. Exeter has wrongfully reported that I was late in paying on my account, and has subsequently caused me to insure a financial loss of {$30000.00} dollars. After speaking with XXXX, in the escalations department and offering Exeter a settlement offer, XXXX told me I would receive a call back from XXXX XXXX, however, I never did.
Back in XX/XX/XXXX, I received an email regarding upgrading my XXXX Honors American express card. The email said that if I upgraded today, I would receive XXXX XXXX honors bonus points if I spent {$1000.00} in the first three months. I clicked on the link to upgrade. I was taken to an American Express website stating the terms and conditions of the card. It would be an increase from my {$0.00} annual fee to a {$95.00} annual fee, but as I would be receiving XXXX bonus honors points to use for hotel stays, I thought it would be worth it. So I accepted the terms and was told I would receive my new card in the mail soon, which I did. I got working right away to meet the {$1000.00} obligation so I could get my bonus points, even though I wouldn't have usually spent that much on that card because I have other cards with better interest rates. I exceeded the {$1000.00} requirement, and patiently waited for my bonus points to appear in my account. After about a month I called to inquire as to where my bonus points were. I was told that the channel I used to upgrade my card didn't offer an upgrade incentive ( even though I used the link that they provided in the email they sent me advertising it ) but they could open a case if I wanted to dispute it. I did open a case. Over the next several months, I repeatedly called and each customer service representative looked up my case, telling me that the case was still being looked into and I would have to wait. Today, XX/XX/XXXX ( five months after I upgraded the card ) I called again and was told that the case had been marked closed with the same conclusion, that the channel that I'd used to upgrade did not offer the incentive. I told them that this was false advertising, because the whole reason I upgraded at all was for these points, and demanded a refund of my annual fee, which she obliged. She also offered XXXX points in compensation, which was the most she had the power to award anyone ( I have yet to receive these as of the time of writing this but hope they will go through ). Since false advertising is illegal, I believe they should award me the remaining XXXX XXXX honors points I was promised upon my upgrade.
I have contacted Lvnv funding LLC several times in an attempt to get validation of debt. I never received anything validating the debt but yet the credit bureaus keep reporting that the debt comes back verified. The only communication I have received is an attempt to settle for  XXXX  instead of a full balance of {$310.00}.
i received a reply from HSBC on case # XXXX, here is my loan # i had with them XXXX, they didnt have enough information to process my loan, yet i called and was given my own account # hmmmmm. I PAID this loan off, it was NOT transferred. Also they show my last payment late XX/XX/XXXX when loan was paid, my last late payment XX/XX/XXXX.
Made a deposit on XXXX XXXX in the afternoon, bank is holding it until Thursday XXXX XXXX because I had {$2.00} in the account and made a deposit. So due to me spending money in my own checking account, and then depositing a payroll check from XXXX XXXX a hold was placed on the check. So the excuse is invalid because I 'm only using my banking account how I see fit ; within their guidelines, even. I 'm not sure the last time a multi-billion dollar company bounced a {$360.00} check, so there 's no reasonable doubt to be had. So there 's no legal reason to have had a hold placed on the deposited check. Even though it was deposited online, according to the " Check XXXX XXXX '' even an electronic image is handled as a real check. The excuses are bland, murky, and have no place being thrown around in what should be a professional, efficient environment. It 's completely illegal to do this in the first place, according to the " XXXX Funds XXXX XXXX ''.