WillisBack/dataset-financial-user-claim huggingface dataset:
I was sent a letter in a first-classmail, postage-prepaid envelope, saying the sending company received an application for a credit card. The return address is : Barclays XXXX. XXXX XXXX XXXX, DE XXXX Aside from the fact that I did not apply for their credit card, this address is out-of-state. They also chose to attach the optional four digits of a ZIP code in the recipient address, but these four digits do not match those of my actual address. Immediately below the recipient address is a USPS Intelligent Mail barcode, which contains the same false extra digits encrypted. On the center right is a XXXX XXXX code that gives a 16-digit number when decoded. A little over two inches above, a small six-digit number beginning with a " 0 '', followed by " 1/1 '', is written and rotated 270 to fit in the letter 's right margin. On the left margin ( also rotated 270 degrees is a six-digit string, with three capital letters and three numerals. There is also, of course, the alleged company Barclays ' letterhead in the top-right corner, with a leftward-looking eagle silhouette logo to the left of the company name. 

The letter reads as follows ( personal information redacted ) : " Application : [ 8-digit number ] " XX/XX/2018 " Regarding Your Application for the Barclays Visa with XXXX XXXX " Dear [ first and last name in all caps ], " Thank you for your recent application for the Barclays Credit Card. 

" We have reviewed your application and determined that additional information is needed before we can process your request. 

" - Please send a copy of the front and back side of the following documents : " - Your Drivers License/State ID, Social Security card, and a current original utility bill or bank statement with your name and address. 

" Please respond within 30 days of the date of this letter by sending the requested documentation to the address below. If we do not receive a response within 30 days we will be unable to give your application further consideration. 

" Card Services " XXXX. XXXX XXXX " XXXX, DE XXXX " We looking forward to hearing from you to complete the processing of your application. 

" Sincerely, " Barclays '' [ no signature ] In smaller print : " NOTICE : The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning Barclays is the Bureau of Consumer Financial Protection, XXXX XXXX XXXX XXXX, Washington , DC  XXXX. 
" The Barclays Credit Card is issued by Barclays Bank Delaware, XXXX. XXXX XXXX, XXXX DE XXXX. ''
On XX/XX/XXXX I purchased two airline tickets from XXXX for {$490.00}. One of these tickets was cancelled with XXXX on XX/XX/XXXX. This charge was never refunded to me. On XX/XX/XXXX, I went to use one of the tickets and found out that the second ticket was never refunded or cancelled. I lodged a dispute with Discover Card for {$490.00}. 

In XXXX, they charged my new account {$490.00} and then took off the charge in the same amount of {$490.00}. This credit has nothing to do with the XXXX charge that is sitting on my old account. If you look at the documentation I provided, it is showing a charges totaling {$990.00}. That number should be {$490.00}. They are missing a credit. Only one airline ticket was purchased.

D

iscover placed a {$490.00} credit on my account but they placed it on an old account. Therefore, I am not seeing the credit. I have made numerous calls to Discover in an attempt to fix this. Each time I am promised that the credit will be moved over to my new account within a few days. But the credit never gets placed on my account. As a consequence my balance with Discover is {$490.00} more than it should be.

Discover is failing to fix this for me, despite numerous calls.
I purchased a car and it was a total loss. The company Santander was going to be paid in full for the full balance by XXXX XXXX. They have reported the loan late every month eventhough the loan was to be covered because it was a total loss. This has stopped me from being able to qualify for a home loan becaus they should be reporting the balance as {$0.00} amd never late.
My husband had borrowed in my current house.The entire loan was on his name. I have been trying to instate myself on the loan so I can retain my home. Ocwen is not reinstating me on the loan due to a bankruptcy done by my husband. They are offering a loan modification to my late husband. I want to keep my home. I have provided all the proof and I have a great job. I am a XXXX and have done everything right in my life. Its my bad luck that my husband did not look out for me. I have a XXXXr and an XXXX year old mother who live with me. They depend on me. It will be a shame that I will lose my home for some silly paper work. I am willing to work with Ocwen. I have contacted them several times. Please help me save my home
Dear Consumer Financial Protection Agency ; I am emailing you regarding a problem that i have with Mercedes Benz Financial Services, The problem started in XX/XX/XXXX when I decided to pay off my vehicle because I was in the process of buying a house ( my kids school was rezoned and they will be attending a not so good school because of that so we decided to move to another neighborhood with better school ) which I cant do anymore because Mercedes financial reported late payment to the credit bureaus which dropped my credit score to low XXXX. Mercedes claim that i was late on my payment in XX/XX/XXXX, however i did mail them a cashier check back in XX/XX/XXXX, unfortunately i only wrote the last six digits of the Vin number on the cashier check when i called them two days later to make sure they received the check they informed me that they cant locate it and to give it few more days. A week later i mailed them a copy of the cashier check and XXXX receipt, finally after two weeks they were able to locate the check but by then we were in XX/XX/XXXX already and they informed me that i will have to send another cashier check, at that point I asked them to please not to report it to the credit bureaus as a late payment considering that they did n't wan na overnight me the first cashier check and I had to wait a week before I received it. When I received back the cashier check we were in XX/XX/XXXXalready and at that point i decided to wire transfer them the money instead of mail to make sure that wont refuse it again. Because of that now I have low credit score and I cant buy the house that I wanted for my kids so they can attend a good school. Its sad that I have a late payment on my credit report considering that the vehicle is paid off and I really did mail them a check in XX/XX/XXXX and i begged them back then not to report it since now i have to wait for them to mail me my check back before I can do another one. When I asked them not to report back in XX/XX/XXXX they did inform me that it gets done automatically but they told me not to worry because once they receive the other check they will take it off!! when i called them today they said they cant take it off because a third party does the reporting and they do n't even have a phone number where I can reach them
TransUnion is inaccurately and incompletely reporting credit history for my mortgage with XXXX XXXX. I have asked that this be corrected on numerous occasions without corrections being made. 
See Attached letter to TransUnion.
Hello, I contacted Equifax on or about XX/XX/XXXX after I received my credit report. I noticed a lot of inaccurate information and decided to dispute and ask for validation. I started with inquiries that I did not authorize. I wrote a letter to Equifax and haven't received a response. Under the FCRA 30 days is typical. I was able to get the CEO 's email after my many attempts to call and resolve these have failed. My email went unanswered by XXXX XXXX. 

The FCRA states the only permissible purpose for pulling someones credit report is ) - Firm offer of credit - insuarance - employment - a court order none of the below do, and i repeat none of them had/have my permission to pull. 

- XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX, XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXXXX/XX/XXXX - XXXX XXXX   XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX  XX/XX/XXXX I have contacted this company via phone, email and USPS more times than i have can count on my fingers and am now asking the CFPB to step in and help me.
Williams and Associates has contacted my siblings, my XXXX yr old grandmother and said they have a warrant for my arrest to 2 of them and said to one of my siblings and myself they are sending a summons for court for an unpaid debt. They say this debt is from XX/XX/XXXX -XX/XX/XXXX I've owned 2 homes and built a home 3 years ago and have nothing on my credit report nor have I had an account with said debtor. They have threatened and harassed my family members. It's out of hand!
I had a checking account with US Bank. In XX/XX/XXXX there was fraud on the account for which we filed a police report. In late XX/XX/XXXX we went into the XXXX, AZ branch to notify them that fraud had occurred on the account. No action was taken at that point by US Bank. Since the no action was taken, the account remained open and an automatic draft went through placing the account in a negative balance for a few dollars. The amount of the reported fraud was more than the amount the account went negative. If the fraud had been processed the account would never have gone negative. Because of the negative balance, US Bank added 6 overdraft fees ( NSF ) for a total of {$220.00}.

In mid XX/XX/XXXX I receive a letter from US Bank stating the account was in negative balance. The same day I received the letter I went to my local US Bank branch to get this cleared up and provided them with a copy of the police report. I was told by the banker i spoke with that they would begin working on resolving it and that I would be contacted with further steps. I specifically asked the banker to confirm this would not be placed in collections until I was contacted.

I did not hear back from US Bank until early XX/XX/XXXX when I received a letter stating the account was now in collections. At that point I have gone to my local branch to get this resolved but keep being run around in circles. I submitted a fraud claim with was denied without notification to me. I contacted US Bank again and the claim has been re-initiated, but I do not have confidence any action will be taken.

I have asked repeatedly that this be taken out of collections given the previously explained information with no action from US Bank.
On XXXX XXXX, i contacted TD bank mortgage services to inquired if TD Bank would be providing any deferment to customers impacted by Hurricane IRMA. The representative informed me that yes, they are providing 2-month deferment to customers in areas impacted by XXXX XXXX that she would need submit a request to the working back office team. After submitting the request she told me that i would be receiving a package through the mail in 5-10 business days. After 10 business days, i called TD Bank again, spoke with another representative and she said that there are a lot of request to please give it another 3-5 business days for the package to arrive. After the 5 business days, i called again and spoke with a XXXX and he said that he will make call to this department the following day to see what is going on. Few days later i started receiving collection calls as i was past due. I explained to the rep the conversation i had with the TD bank XXXX to please look at the call log notes. The rep apologized and told me that he will stop collection auto calls until XXXX. I called again XXXX spoke to a representative and explained again my issue and he told me he was confused because he 's done many of these requests and he does not understand why you have n't received a letter or package yet. He said that he would call me the following day or for me to call after XXXX pm XXXX and asked for him. XXXX i called back to speak to him, he return my call and said that the back office team told him they need proof of damage to property and working contract of with timeline when it would be completed. He was confuse with their response so he sent another email to that team asking why? He said he would get back to me the following day. on XXXX, i made a comment on XXXX to TD Bank leadership team, i received a phone call back the following day from XXXX XXXX, she began to explained to me that the reason a package was not sent was because my loan is an FHA loan and FHA is only providing forbearance for 60 days but at the end of 60 days, i would need to pay back the 2 months and current monthly mortgage payment. I was very upset and explained to XXXX that it took TD bank over 30 days to tell me that my loan is an FHA loan and i do not qualify for a deferment!. Because of the lack of due diligence in their process, now i am past due 60 days on my mortgage, if I would of know this information early i would of made arrangement to pay one moth  past due and begin making payments in XXXX. All we are asking if they could place these 2 payments at the end of the loan, i feel like we were mislead with all of the incorrect information TD Bank provided to me as a customer. I feel like we were mislead with all of the incorrect information TD Bank provided to me as a customer. They are asking me to complete an request for assistance form to request to look for other form of assistance. We are concern that a loan modification would be needed then interest change will increase and we would also be responsible for closing cost. we do not want this!!
I was promised  XXXX  bonus points once I made {$5000.00} in purchases within 90 days. I met that requirement. That is how the offer was mailed to me when I decided to apply for the card. I had even confirmed with the customer service representative on  three di fferent occassions : once when i activated my card, once I had made the purchases, and few weeks after the completion of required purchases.     I was assured that I would receive the  XXXX  bonus points with in 6-8 w eeks. I just inquired as to why I did not receive these points.     I am being told that I had a similar card bac k in 2012 that was cl osed and they can not provide another bonus.This is not how the offer was mailed nor were these conditions relayed to me at any time prior to or during when I made these purchases. This is false advertisement on  American Express a nd I believe that I would like a fair resolution for this matter.
I attempted to cash a check from an employer at my local Bank of the West. After waiting for an unreasonable amount of time and being treated as though I had done something wrong ( like they suspected I stole the check ) I polity asked what the issue was? I was then told that they did not believe the signature was legit and they refused to cash it ... Essentially accusing me of being a criminal. I suspect at this point, I am being XXXX profiled and I take offense to it as any one would. However I kept my cool and asked to speak to the manager on duty.She confirmed that they will not cash the check, so I told her that I was unaware that the bank hires hand writing annalists. This sarcasm was met with out right hostility. At this point I just wanted my money so I requested she called the number that they had on file and maybe my employer will answer a number he did n't recognize. To my surprise he picks up and confirms that he wrote a check to me for {$500.00} the day before, and instructs the bank manager to pay me my money. This is when she steps whey out of bounds and insists that he give her the check number, which of course he does n't have in his hand because he is away from his check book at the moment. Now she begins to give my employer a massive attitude and tells him she does n't have to cash the check and she " Is doing him a favor '' .... At this point I tell her she is n't doing anyone any favors. In fact it is her job that she is refusing to do and I suspect that this whole debacle is fueled by some XXXX predecease on her behalf. She responded by telling me to get out of the bank and threatens me with calling the police. I realized things were getting way out of hand so I left, taking her business card and promising her that I will follow up with a complaint. I am not looking for any sort of financial compensation. I just want the satisfaction of knowing that I put in a complaint that will have consequences.It is unacceptable and humiliating to be accused of being a criminal based on XXXX my XXXX. I would appreciate any help in resolving this matter. Thank you..
Hello, when I graduated in XXXX 1990 my Student Loan balance leaving was approx. {$22000.00}. It was a combination of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Perkins XXXX, and XXXX : XXXX Stafford loans. I consolidated these loans through XXXX XXXX. Today, 27 years later, my current balance is {$35000.00}. My loan is currently held by American Education Services and is in good standing. I had issues finding a job and making payments when I graduated. Over the years I have put off payments with forbearance and negotiated with lenders as my Student Loan was bought and sold. At one point in time I made a payment of {$10000.00} to get it back in good standing. I always kept my loans from being employer wage garnished. I am seeking advice in investigating how my Student Loan got to where it is today. Thank You.
I mailed in a request for credit line blocking along with a copy of my D L, SSC, I dentity Theft Affidavit, and proof of address. It was sent by certified mail on  XXXX   XXXX . To my understanding it has yet to be processed and the time fra me is 4 busine ss days. I have called numerous times to check the status and I believe the people overseas who answers the calls have absolutely no idea what I 'm talking about. I 'm completely getting the run around and being told to check back.
On XX/XX/2015 J.P. Morgan Chase withdrew from my checking account {$6600.00}, apparently on IRS behalf. After the internal file went through the complaint department, J.P. Morgan Chase confirms funds wo n't be returned, unless IRS authorized. I have never received any communication from IRS, and after I called them I was told to talk with the bank. As mentioned above, the bank wo n't return me the funds. So I feel abandon and extremely frustrated. The reason why the funds were withdrawn is because XXXX form was incorrectly filled out BY, J.P. Morgan Chase. Moreover, this situation is causing me financial issues as I ca n't afford the bill is committed myself.
My bank asked me to apply for a bank credit card, I was turned down, they showed me a screen shot that had accounts in good standing reported as derogatory that have never been late and in good standing. They told me if I could get a copy of my credit report to show that these accounts were in fact in good standing they would reverse their decision. I got a new credit report for myself and one sent to the bank and showed them in plain english and directly on the credit report that these accounts were in fact in good standing and not derogatory. They then told me that does n't matter they have to go by the original decision even though there information was inaccurate and did n't reflect what the actual credit report read.
My dispute is over the fact that my husband and I owe to the same creditors. Payment history is the same. His FICO score is XXXX points more than mine. 
Trans Union - reporting that I owe XXXX mortgages on our house XXXX - Reporting my house is a business. 
XXXX - His FICO score is XXXX points more than mine.
In XX/XX/XXXX, I got an FHA loan for a home in XXXX XXXX Missouri with my wife. We were both low income and were able to make the payments, until the market downturn. In early XX/XX/XXXX I enlisted in the military due to not being able to make ends meet even after working 2 jobs and my wife working. We tried to sell the house, from XX/XX/XXXX through XX/XX/XXXX, but there were a number of foreclosures on our street and this was after the housing bubble burst. We applied with Bank of America, the mortgage servicer, for loan modification, short-sale, and deed in lieu, but was denied at every turn. After I went into the XXXX, we decided to let the house go into foreclosure. AS it turns out, Bank of America found out I joined the military and stopped the foreclosure process. We communicated with Bank of America for years, we told them we would sign off on any waiver needed to allow them to follow through with the foreclosure. We were told by Bank of America that it was not our decision to make. Finally, in XX/XX/XXXX, Bank of America finally filed suit in XXXX XXXX, MO county court to get a default judgment against us in order to foreclose. At that time, I put a complaint into the Missouri State Attorney General for unethical business practices for holding the foreclosure for 6 years. Bank of America returned with a statement saying that they did nothing wrong, the lengthy time was due to court proceedings, however, they could produce no evidence that they had filed anything with the court prior to XX/XX/XXXX. While this was going on, they decided to let us try a short-sale. I spoke with the short sale specialists there and was under a program where loans that were in delinquent status were offered a short sale and they would also pay the consumer {$10000.00} if a short sale is closed. At the same time, they also had a lawyer working on getting a default judgement though the court. In XX/XX/XXXX, we received a short sale offer on the house. We started the process of the short sale. Two weeks ago, I received news that everything had been put on hold due to the fact that Bank of America has decided to sell our Mortgage to XXXX XXXX XXXXXXXX. Just before finding out that our loan had been sold, we were also given a consent judgement from XXXX XXXX county court. So the short sale was going through, and the foreclosure was finally moving forward, then they decide to sell my mortgage to a predatory lender. I believe that Bank of America has acted in bad faith toward me and my family and I do n't know if any laws were broken, but they have definitely acted unethically toward a now XXXX veteran  who served his country for over 6 years. I would like Bank of America to pull the mortgage back from the sale and follow through with the short sale or foreclosure. They are sending my mortgage to another company in the middle of a sale and in the middle of a legal proceeding. 
XXXX XXXX ( affected person ) XXXX XXXXXXXXXXXX Bank of America Short Sale specialist XXXX XXXX XXXXXXXXXXXX XXXX ext XXXX Lawyer contracted to Bank of America for Foreclosure XXXX XXXX XXXX, XXXX. 
XXXXXXXXXXXX ( XXXX XXXX XXXX ext XXXX My lawyer XXXX XXXX XXXXXXXXXXXX ( XXXX XXXX XXXX
CHASE CONTINUES TO REPORT LATE PAYMENTS ON A CLOSED ACCOUNT. PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT.