WillisBack/dataset-financial-user-claim huggingface dataset:
I opened a new checking account with Wells Fargo on XX/XX/XXXX. There was a promo valid until XX/XX/XXXX that was offering a {$200.00} bonus if a direct deposit of at least {$500.00} was received each month for three months within a 150 day period. The disclosure stated that the bonus would be deposited 45 days after qualifications had been met. On XX/XX/XXXX I noticed that I had not yet received the bonus. I emailed customer service and was told that they would have to investigate further and that I would receive an answer via US mail within 14 business days. On XX/XX/XXXX I received a letter from Wells Fargo that stated that I had failed to meet the direct deposit requirements. It said if I disagreed with the letter to call customer service. I called on that day and was transferred three different times. I first spoke to customer service they transferred me to a manager who said she couldn't help me and I was transferred to a customer support team at the corporate office. They all agreed that they were unsure why I had not received the bonus. The final customer support rep assigned me a case number and I was told that I would be contacted by someone from the consumer case management department within 24 hours. The following day I was contacted by XXXX from the consumer case management department. He reviewed the information and told me he would have to contact another department to investigate my claim further. I spoke with him on XX/XX/XXXX he promised me that he would get back to me by the end of the day or for sure by the next day XX/XX/XXXX. I did not receive a call yesterday and am now filing this formal complaint. In terms of documentation, I have all three statements showing that the qualified direct deposits were made for each of the following three months. Also, I have a print out of the promo, my approved application saying that the offer was attached and the offer disclosure. I am happy to provide a copy of the letter I received on XX/XX/XXXX. I am very tired of Wells Fargo. I would warn anyone and everyone to stay far far away from this bank. They obviously have no ethics or morals.
I have been trying to obtain my credit report because I was denied for credit due to information contained in Equifax. I have attempted through XXXX  numerous times and also be paying directly on their website. I called and spoke with XXXX, a rep located in the XXXX call center who I asked to speak to a supervisor after being denied. My request was refused multiple times, as I was told they would have the same authority, and wouldn't be able to offer further help. I was placed on hold, and left without an answer. I have only had this issue with Equifax.
I have been notified through XXXX website that I have been a victim of the data breach of XX/XX/2018. According to their files I have many open accounts that I have no knowledge of and do not belong to me. They are using these files as references for the security questions to gain access to my report. Because these accounts are not mine I have no knowledge of the details surrounding them and therefore can not access my own credit report to correct these errors. There are also errors regarding my name and addresses and former employment. I have made attempts through email to get help from XXXX  and I received no reply.
I did not apply for a XXXX XXXX XXXXXXXX XXXX account or any account related to them on XX/XX/XXXX. Please remove it from my Equifax credit report immediately. 

I did not apply for a XXXX Credit Card on XX/XX/XXXX. Please remove it from my Equifax credit report immediately. 

I did not apply for a XXXX account on XX/XX/XXXX. Please remove it from my Equifax credit report immediately. 

I did not apply for XXXX XXXX XXXX XXXX on XX/XX/XXXX. Please remove it from my Equifax credit report immediately. 

I did not apply for a XXXX XXXX Credit Card or any card related to them on XX/XX/XXXX. Please remove it from my XXXX credit report immediately.
Midland funding llc filed a complaint against me in XXXX Magistrate court court in XXXX county south Carolina. I followed civil rules of procedure in which I had 30 days to answer ( served on XX/XX/XXXX ). According to civil rules of procedure I had 30 days in which to answer excluding the date of service, weekends and holidays. I filed an answer Today on XX/XX/XXXX in answer citing the CFPB consent order in which they violated the order. The magistrate court of XXXX XXXX refused my answer stating that I only had 30 days which included weekends and holidays. XXXX XXXX used the robo signed affidavit of account, attached a validation of debt letter directly to the complaint, never sent it to me to deceive the court that one was sent. XXXX XXXX did not have ANY account level documentation to prove a debt. XXXX XXXX violated the consent order and used everything that was prohibited including XXXX, FDCPA, Fair Credit reporting ACT, Abuse of process collected a default in excess, escalated fees. XXXX XXXX was the Law firm formerly XXXX. I do not owe them. XXXX XXXX is still filing these deceptive complaints ignoring the consent order and making a laughing stock out of the CFPB. I will send you a copy of the complaint and my answer.
Avante USA has violated the Fair Debt Collection Practice Act, section 809 ( a ) ( b ). This account was opened or established without my knowledge or consent. Avante USA provided no initial communication within the five days of any collection attempts regarding this debt. In addition, Avante USA has failed to provide any original copies of verification obligating myself to this debt. Since Avante USA has not been able to provide strict proof of verification, collection efforts must cease and this account should be immediately removed from all three major consumer reporting agencies
I have 3 personal and 2 business credit card accounts with CAPITAL ONE. I have been with them since 2013 and have always paid my accounts on time. Recently, they reported two of my personal accounts to XXXX, XXXX and XXXX as being 30 days late when they were not. I have repeatedly asked CAPITAL ONE to correct this but they refuse to do so.
I am filing this complaint using information obtained from XXXX credit reporting agency. 

On XX/XX/18 I filed a dispute on my XXXX credit report. It was showing that I had 3 public record reports. A few days before the 30 day deadline, it was closed with no change. I contacted XXXX, to see where the information come from. 

XXXX  gave me a tremendous run around, then ended up naming multiple companies as the source. I am filing this complaint on all of the services that XXXX  stated where involved. I am hoping that if you where not involved, that you will at least provide a letter stating that you did not report the public record information to be true, and correct as XXXX has stated. 

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, La XXXX XXXX XXXX The dispute timeline was filed on XX/XX/XXXX-XX/XX/XXXX XX/XX/2018. Once again I ask if you are not the involved party, please at least for the protection of myself, and your name a statement that you have not reported, not obtained a public record search. 

XXXX is using merged information, violations of the FCRA, and there breaking the law to try to push this off on me, and others. Please I am begging you to do the right thing, and help me fight XXXX. 

If you are the reporting co, please leave proper contact information, so I may call you, and get this taken care of. 

Thank you in advance, XXXX
I own half the house. My father is getting XXXX he 's XXXX yrs old. He goes to the bank and chats with them all the time about finances. The bank tried to get him to get a mortgage instead of keeping his line of credit but since I own half the house they could n't do anything without my signature. Charge him {$500.00} with a guarantee he would get it back. 
My father says he had no clue it was a mortgage. He thought he was just redoing his line of credit and locking in the lower interest rate. He did n't know they were going to take {$500.00} out of his account for a fee. Then when he asked them about the money they told him he was guaranteed to get it back. I had no clue any of this was going on until they asked me for all my account info copies on the bills I pay. Never told me it was a mortgage. My Dad told me it was for the line of credit so I agreed to give them my info. They also told me he was getting that money back numerous times. My husband built a back edition on the house. XXXX was pushing us to get it done by this deadline. Told me he would add an additional {$20000.00} to the house value. I said great not knowing it was for a mortgage. Still thinking it was for this line of credit. All of a sudden I listen to my answering machine about giving them a check for an additional {$2800.00} for closing cost when they come in and sign. 
Now they want my parents to go in and sign I find out its for a 15yr. mortgage not a line of credit. My father is XXXX he would be a XXXX til it is paid off. Bank ca n't do anything without my signature. I wo n't give it. Father do n't want a mortgage either. So when I call up and ask where is the {$500.00} XXXX gets nasty on the phone with me and tells me it was basically none of my business and I 'm not the customer and NO we will not get the {$500.00} back. Well yes it was my business when they needed me to sign for a mortgage instead of a line of credit. I own half the house. They did n't realize I owned half for this reason. Trying to get seniors to loose there house. I make sure all the bills are paid including the mortgage.
XXXX   XXXX   XXXX  represented by Credit Collection Services is attempting to collect monies that I feel are not owned. This company has changed the amount of the debt since my last communication with them. But this alleged debt is false. I have mailed documents to this company showing evidence of my position to no avail.
On XX/XX/2018 I received a letter and XXXX   credit card from Capital One, A CARD THAT I DID NOT REQUEST. It should be noted that the credit card had an absurdly high APR of 24.24 % and a {$95.00} annual fee. I immediately called and attempted to cancel the credit card, but the customer representative demanded a lot of personal information to cancel the card, such as date of birth, Social Security Number, home address and phone number. I refused to provide this information for a card that I did not request and the customer representative refused to cancel the card. I was then transferred to a Fraud Prevention specialist who refused to tell me why the card was sent to me or how or why the card was ordered. After a heated discussion I was told I had " no choice '' but to provide my personal information, which I did, since I had no other choice. I vehemently object to providing my personal information to a company, just to get them to cancel a credit card that I did not request.
I contacted navient to tell them that the " debt '' was fraudulent. They did not respond for over a year and so I thought that this matter was dealt with. During that time they did not send any notification or proof of this " debt ''. According to the law this debt can not be collected because there is a statute of limitations. I have all of the e-mails. I gave them 30 days to respond and they did n't respond for over a year.
This involves two different issues that I need solved in the next four days ( byXX/XX/XXXX ), otherwise I will have to escalate this even further.

I was previously given a Dividend card sometime in XX/XX/XXXX, and a few weeks ago (XX/XX/XXXX) I was approved for a ThankYou Premier Card. I have attempted to have both of them shipped to me successfully ( a basic thing ) and both have been misdelivered or lost in the mail, the first ( Dividend ) somewhere between three and five times now over the course of seven months, and the Premier sometime over the last week.

I needed the Dividend for a relevant purchase over six months ago and have still been waiting for it to arrive. I was told by one representative that it was " already sent, '' but it never arrived, then told by another that it was returned as undeliverable ( that would be Citi 's issue, not mine, as I have a correct address listed ), and by another after several attempts to have it sent that it " was sent over a week ago '' ( when it had been sent several months prior ) but that a new card would be expedited to my address at the time and " arrive [ within two days ] '' ( two weeks later and it still has not shown up ).

The Premier card was supposed to have arrived over a week ago, and is needed byXX/XX/XXXX for a relevant major purchase, but has not shown up.

I have moved from the address I previously listed and will be moving again shortly, so I need it delivered tomorrow ( Saturday XX/XX/XXXX ) or Tuesday ( XX/XX/XXXX ) -- no exceptions. The address it must be delivered to is NOT the following, as I have moved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID XXXX but is the following : XXXX XXXX XXXX XXXX XXXX OR XXXX I am moving again onXX/XX/XXXXso both cards absolutely must be delivered by XX/XX/XXXX ( doable through overnight or same-day express delivery ). Again, they must be delivered to the following address : XXXX XXXX XXXX XXXX XXXX OR XXXX I did not want to use the CFPB to accomplish such a basic task as receiving credit cards after seven months, but I have continuously been told false things or downright ignored in every other method of contact ( phone, email, online forms, etc ). I even called a few minutes ago and as soon as I explained my situation, the rep went completely silent and did not respond.

I do not have my card numbers ( as the cards have never arrived ), so the only identification information I can give you are the two addresses listed above, my name ( XXXX XXXX ), and my online user ID ( XXXX ). That should be sufficient, however.
We opened an equity line ( originally XXXX -- later sold to Bank of America ) on our second home in XXXX. We paid via automatic payments before the due date each month for over 10 years. In XXXX XXXX, we received a notice indicating the payment was late. We made payment immediately and then learned that BOA cancelled our automatic payment without letting us know. We then learned the loan matured and BOA offered a modification. No payments have ever been late except the XXXX payment in which BOA cancelled the auto payment. That payment was 24 or 25 days late. Our credit score was XXXX in XXXX XXXX. BOA has reported false nonpayment information the entire year of XXXX and we are unable to obtain favorable interest rates to refinance another loan due to our credit score decreasing over XXXX points due to BOA 's reporting nonpayment. We have paid a total of {$100000.00} during XXXX BEFORE each monthly due date which included several principal only payments and all other payments as agreed to BOA modification and as per instruction from " case manager '' XXXX XXXX at BOA. NO PAYMENTS WERE LATE. BOA had us sign a modification early in the year. We sent it back and thought everything was done. We made the agreed-upon monthly modification payments of {$810.00}. In XXXX, we learned our credit score had tanked. We obtained credit report and saw BOA was reporting incorrect information. We contacted BOA and they said they made a " wording '' mistake in the modification agreement and would need to reissue it. BOA reissued it XXXX modification agreements and they have XXXX had incorrect amounts included in the documents. The latest modification agreement numbers owing were overstated by approximately {$14000.00}. I have spent hours/days on the phone with BOA representatives with no success in obtaining correct numbers or even how they determined the " capitalization '' costs, etc. They mailed the latest modification agreement on XXXX XXXX, XXXX. It stated to return no later than XXXX XXXX, XXXX. We received the package in the mail on XXXX XXXX, XXXX, the day after it is due. As mentioned, the principal balance plus capitalization costs in the modification agreement is overstated by {$13000.00}. I have been unsuccessful in getting BOA to provide details for the incorrect principal balance they say we owe. My credit score is ruined despite the fact that we have made all payments as we were told by BOA. BOA representatives tell me a manager will call me at a certain time the next day and no one calls. This happens repeatedly. I am unable to reach my case manager. On XXXX BOA called me. I was on the phone over 2 hours. OVER 2 HOURS. This was not a scheduled call and I had to completely rearrange my day due to this unexpected call. Even after over 2 hours, NO RESOLVE and another case of being told someone would call me and they have not as of today XXXX XXXX, XXXX at XXXX. Despite kind representatives ( most of them, not all ), no one is competent enough to provide the numbers or detail of numbers included in a legal document I 'm told to sign..which obligates us to overstated amount of loan.
I was a victim of identity theft when XXXX issued a credit card in my name which was fraudulently acquired. XXXX discovered the error and contacted me. On XXXX XXXX, XXXX the credit bureaus were notified and credit monitoring put in place. While monitoring my account, XXXX notified me on XXXX/XXXX/XXXX that persons unknown to me had attempted to open up an account with Synchrony Bank, XXXX  XXXX, XXXX CREDIT ACCOUNT. 

They advised me to immediately notify Synchrony Bank 's fraud alert team which I did. 
I spoke with XXXX who gave me a reference number of # XXXX for further inquiries. 
I was also notified on that day that the fraudulent request for credited been denied and that an investigation had begun and that I would be notified by mail within 30 days. On XXXX/XXXX/XXXX they sent out a letter denying me credit after doing another hard inquiry which was also fraudulently initiated. 
I responded to them that they should not have been sending me a letter denying me credit because they had already been informed 4 days earlier of fraudulent activity attempted on my credit and that there was credit monitoring in place. After being given this information they in turn did another hard inquiry, I believe, in a greedy effort to open up as many credit cards as possible. 
I also asked them to remove these hard inquiries from my credit report because they were made as a result of fraud. The credit bureau had informed me that the company making the inquiry had to remove it. That has not been done. Neither has Synchrony Bank responded to my certified letter that I sent them on XXXX XXXX, XXXX asking them to rectify this matter. They made the error, especially after being notified of the situation on XXXX/XXXX/XXXX. Their response was to turn around and do another hard inquiry in hopes opening up new credit debt for me. 
All I want them to do is remove these hard inquiries from my credit report because I do n't want false information on my report that can affect my future credit needs and opportunities for up to three years. Thank you
I logged on to my XXXX XXXX account today and saw a new account in collections. It was a different collection agency but the same account that had already been removed previously because I didn't take it out. The new company is called XXXX XXXX XXXX who are collecting for XXXX XXXX. They say I opened the account in XX/XX/2017. Which I know for a fact wasn't true because I wouldn't open a new credit card account ( and wouldn't be able to ) when I had lost my job and was being evicted. I call and they tell me that I bought new tires for my truck, which I didn't. The only truck I have hasn't run properly in five years, I am not putting thousand dollar tires on a truck I can't use. It has already been removed as fraud, now they are just harassing me and putting it on each report over again, weeks before I buy my house as well!
Almost 3 years ago, I was in desperate need of a loan. A friend told me about Title Max in XXXX, GA. I went in, explained that I needed {$4000.00}. They told me I qualified for {$7000.00} but they failed to tell me that I would probably NEVER be able to pay if off. No one explained that the full balance needed to be paid off within 30 days or that the interest rate was extremely high. I did n't discover that until almost a year into the My husband recently lost his job and I explained to Title Max that I could no longer afford to pay them as I am now the sole source of income for my family -- which includes XXXX kids in college. To date, I have paid TitleMax almost {$19.00}, XXXX on a {$7000.00} pawn. And the balance I owe now is MORE than I originally borrowed! I 've applied numerous times to have my case reviewed and my title returned and was told, " No ''. This seems blatantly immoral and illegal. I live in constant fear and stress that my vehicle will be repossessed.
Following Select Portfolio Servicing ( lender ) subsequent denial of the loan modification for the subject property located at XXXX XXXX XXXX , XXXX MN XXXX, and select portfolio servicings letter dated XXXX XXXX 2016 explaining XXXX date values of the subject property. I applied to Select Portfolio Servicing on XXXX XXXX, 2016 for approval of a short sale. My request has yet to be reviewed by Select Portfolio Servicing, no relationship manager has been assigned to the file and I have not received a single correspondence from the lender regarding my application.
I have disputed the late payments on this XXXX XXXX  XXXX account for months. XXXX   and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
I received an alert from XXXX  that my credit score had decreased. When I logged in to try and figure out why, I noted a collection from Midwest Recovery showing an opening date of XX/XX/2019 and non payment each month thereafter. The original creditor was XXXX XXXX in which I have not had an account with in over 15 years. This collection company is attempting to destroy my credit and is succeeding by reporting false information. They have simply re-aged a very old debt to make it look as though I opened a new account and fail to pay. I disputed this twice with XXXX and they have failed to remove the account.