WillisBack/dataset-financial-user-claim huggingface dataset:
I went in to Region Bank XXXX XXXX in XXXX NC and made a deposited of 2200.00 and was advised by the teller XXXX XXXX that a XXXX XXXX hold would be placed on 2000.00 until XXXX/XXXX/2015. I agreed to that, but the problem occurred is when I check my account on XXXX/XXXX/2015 my account was XXXX in the negative. I called customer service, because the branch was closed and spoke with several represents and they was not helpful or concern. I then reach a rep ( XXXX ) that was great and tried her best to assist me, but explain that it could only be handle at the branch. I very upset that I had to go 2 day in the weekend with no available funds in my account, because before I made the deposit it was funds available in my account.
Capital One and XXXX XXXX has a hard inquiry on my credit report and I have nothing at all to do with either company. No credit card, no loan, never had any business with either company. Where did this come from and why is it on my credit report?? I want it removed from my credit and an answer of how it got on my report!
Citibank ran a promotion XX/XX/XXXX where customers who open a checking account with at least {$15000.00} and keep a balance of {$10000.00} for the next 30 days will receive a {$400.00} bonus offer. I have met the requirements of this offer and have been repeatedly promised by Citibank that the bonus is on its away. Despite opening internal case resolutions, I still have not seen the amount deposited and I have been getting the run around.
I had a loan for an auto lease through XXXX XXXX. I turned this lease in early in XX/XX/XXXX and got a new lease through XXXX XXXX. The payoff amount of {$30000.00} was sent to XXXX XXXX on XX/XX/XXXX and shows that it was received on XX/XX/2018. I received over 15 calls harrassing me for late payment where I continually explained to them that the payoff was sent and showed complete. However, after each call and explanation I would receive more calls about the issue from representatives with no prior information of my calls and discussions of explanation. On multiple occasions I asked XXXX XXXX to take action to figure out why this was not showing in their system and I pleaded with them to not report anything negative on my credit. After 45 days of battling with them and XXXX back and forth they finally said that it was their fault and they located the check. I just received a notice from Experience that XXXX reported a late or delinquent account in XX/XX/XXXX but this is more than 30 days past the time that they received the payoff in full. My new loan that shows from XXXX on my credit was at the same time I turned in my other vehicle so there is no way I could have been late on any payment. I do have proof of this in documents and have sent this to XXXX. I take my credit report very seriously and would like action taken against XXXX XXXX for this mess. I have wasted valuable hours during my work day on numerous occasions to deal with something that was their fault. I do not want this reported to any other agency and I would like this and all traces of this removed from my report or I will be forced to seek legal action against the company.
On XX/XX/XXXX US BANK I had a balance of XXXX I made a transaction in the amount of XXXX and XXXX reducing my balance to XXXX. On XX/XX/XXXX with a balance of XXXX I was charged a over draft fee of XXXX twice bringing my balance down to XXXX. On XX/XX/XXXX there was a debit charge of XXXX bringing to to a negative balance of XXXX. I called the bank to dispute charges claiming I had a positive balance and the customer service rep told me that my charge of XXXX was pending prior to the XXXX and XXXX. I requested to dispute charges advising even if the XXXX was pending funds where positive and should have covered the XXXX and the XXXX the rep could not explain how all 3 charges was returned and refused to remove or dispute charges while submitting a complaint I also occurred a extended overdraft fee of XXXX bring my balance in fees to XXXX
My information has been sold to a third company which turns out to be a fraud law office " law office of mitchell " the date on my credit report shows XX/XX/XXXX this company has two of my medical bills one at {$63.00} and the other {$1300.00}, I have not received a notice in the mail about this from the collections agency that was assigned my debt.
I applied for one credit card with US Bank on XX/XX/XXXX. The bank ended up submitting XXXX credit inquiries on my XXXX credit report. The dates of the hard inquiries were as follows : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Attached is paperwork from Carrington Mortgage showing my mortgage interest rate changing every 6 months. I 've also attached information stating Carrington & XXXX XXXX apart of a class action lawsuit for their discriminatory practices. I feel I 'm being discriminated against because I 'm a XXXX woman and head of my household. I do n't want to loose my home. Please help
In XX/XX/2017 I attempted to set up an account with XXXX XXXX XXXX. They sent me a router, but I was unable to complete the set up myself so I scheduled an appointment to have a technician come out. 

XXXX XXXX XXXX did not come at the appointed time, nor did they come at the next appointment. I spent hours on the phone with them trying to come to a resolution, but they never actually sent a technician to my home. 

I canceled the account and sent the equipment back in XX/XX/2017. They did not actually provide me with any service. 

I never heard anything from XXXX XXXX XXXX, so I assumed everything was fine. However, I just received a letter from Franklin Collection Service Inc. attempting to collect a debt of {$170.00} from XXXX XXXX XXXX. They are charging me for {$150.00} for the equipment I returned and {$25.00} for a service they never provided. 

My mailing address, email address, and phone number haven't changed since XX/XX/2017 so I'm very surprised to receive a collections letter over a year after I thought everything was resolved. The collections agency is threatening to harm my credit.
I have gotten 7 calls from AR Resources looking for a person who is not authorized to use our phone. I have called them three times and they told me they would take our number off their list. I keep getting calls so started to document. I received a call on XX/XX/XXXX at XXXX XXXX. I called them to report it, spoke with XXXX, who told me she removed it from the list at XXXX XXXX on XX/XX/XXXX. At XXXX XXXX on XX/XX/XXXX I received another call. I called back again, speaking to a very rude XXXX, who said she removed my name from the list. I asked to be connected to a supervisor and she connected me to XXXX, who did not pick up. I left a message asking her to contact me. XXXX told me they were a call center. Please stop the calls - 7 times I've been told I was being taken off the list. After 35 years, I'm considering changing my phone number - that is not right. This is harassment. Thank you.
The United States Treasury Department and other federal agencies established the Home Affordable Modification Program ( henceforth " HAMP '' ) as part of the Making Home Affordable Program as authorized and enable by 12 USC 5201 et seq. The HAMP are incorporated in the terms of the subject contract between parties. The Making Home Affordable, Handbook for Servicers of GSE and Non-GSE Mortgages, 4 2MP Process and the Supplemental Directive 13-05, G. Section 4 of Chapter V, 2MP Process state in relevant part : " When a borrower 's first lien is modified under HAMP ( Tier 1 or Tier 2 ) or a Standard Modification by XX/XX/XXXX. The 2MP servicer must offer to modify or extinguish the corresponding second lien ... .. In addition, if the borrower 's first lien is modified under HAMP or a qualifying GSE Standard Modification, the 2MP servicer must dismiss any outstanding foreclosure action on the borrower 's second lien. 

On XX/XX/XXXX, I enter into a loan modification agreement, therefore as per the mentioned Treasury Rules, the second lien holder One west Bank was supposed to either offer a loan modification or extinguish the debt. Ones west bank failed to do either and instead sold the loan to XXXX XXXX to enforce the debt. 

These actions are in violation of the precedent stipulated Rules set forth as part of the Loss mitigation Resolution by the treasury department. The record reveals that i entered into a loan modification agreement prior to XX/XX/XXXX, and that the lien holder one west bank failed to abide by the Treasury Rules in regards to the debt. At this time debt collector and its affiliates XXXX XXXX, can not enforce a debt that should have been extinguished at this juncture.
Just wanted to make you aware of what Chase has been doing every now and then on their mortgage billing. Just this month I rec 'd the monthly bill due on XXXX/XXXX/16 and XXXX it as I always do on XXXX/XXXX/16. Chase rec 'd it on XXXX and yet sent out another duplicate billing notice I rec 'd today on XXXX. I 've complained to them before about this practice but it 's still occurring. It worries me because there are a lot of elderly people out there who may be getting these duplicate bills and paying them twice -- a little suspicious this happens from time to time.
Our mortgage was transferred to Santander Bank, N.A. from our original lender two years ago, and for the past two years they have failed to provide us basic documentation with regards to our account. We don't always receive monthly statements and we never received a complete statement outlining the details of the mortgage transfer from our previous lender. We have also repeatedly asked them if we are able to find any of this information via a self-service portal, but they have failed to provide such a service to us. 
Now, we have been fighting with their customer service team for over a month ( since XX/XX/2018 ) just to try to get our XXXX form for taxes which they are legally required to provide to us! It is now XX/XX/XXXX and our accountant can not file our taxes by the XX/XX/XXXX tax deadline due to this missing document! We have spent over 3 hours on the phone with them this morning trying to resolve this issue and they still refuse to provide this document to us in a timely manner. As a mortgage servicer, the XXXX form should be a standard document that they provide all customers. If they can not provide this simple form and other simple documentation to us, then what else are they making errors on?
Unable to access free annual reports for maybe XXXX consecutive years now. Information used to verify my identity to get the reports states SEVERAL possible accts I have never even thought to open. Loans I have n't applied for! 
Also I lost my ID card Last year and have since been told by a few eyewitnesses that a female I know had been using my identity in the XXXX XXXX area XXXX XXXX XXXX.
WELLS FARGO DEALER SERVICES PROMISED TO REMOVE ALL HARD INQUIRIES FROM ALL CREDIT REPORTS, ESPECIALLY XXXX DATED XX/XX/2016
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.     Under the Fair Credit Reporting Act , 15 U.S.C. 1681g  I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under  Section 611 ( a ) ( 5 ) (  A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to  3rd pa rties you are damaging my reputation and credit worthiness.  <P/> Under the FCRA  15 U.S.C. 1681i,  all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.  <P/> Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.  <P/>  XXXX   XXXX   XXXX  " NO ACCT # '' UNVERIFIED/NO CONTRACT
XXXX has recently authorized a credit pull without my approval and the negative mark is on my credit report. On XXXX XXXX, 2015 I asked a question and never received a response. Yet, before answering my question, pulled my credit. Please see information attached below.
On XXXX/XXXX/XXXX, I walked into XXXX XXXX XXXX and sit down in a sales office in hopes to opening an checking account. To my embarrassment I was denied opening an account due to the information provided by the XXXX XXXX XXXX. I was told that I had a charge off account from Wells Fargo on XXXX/XXXX/XXXX. To my knowledge I took care of this account by paying it off in XX/XX/XXXX. I immediately went to the Well Fargo Office and they after research they apologize and provided me with a letter stating that I did not owe and they have not reported anything negative to the XXXX. I sent a personal letter requesting to have this negative charge remove off my file and I also included the letter from Wells Fargo. 
To my disbelief I receive a letter from XXXX XXXX XXXX, stated that they did a research and that the negative item will remain on my file. When I contact XXXX I spoke with a lady that only provided her first name XXXX, she stated that a representative from Wells Fargo confirm the negative charge and there 's nothing I can do about it, I should just pay my bill. I ask what was the representative name from Wells Fargo because I have a letter from Wells Fargo. She told me that the negative charge will be on my account for 5 years and that I am getting close to the five years and hung the phone up in my face.
Please refer your attention to complaint number XXXX, This Complaint was filed on or about XX/XX/XXXX, and involved the manner in which the bank had computed overcharges on a checking account. It was apparently forwarded to Regions National Bank on XX/XX/XXXX. 

At the close of business that day, Friday, XX/XX/XXXX, the balance in my account should have been {$11.00}, However the last charge against the account that day was a charge of {$180.00}, apparently for four non sufficient fund charges at {$36.00} each made over the weekend of XX/XX/XXXX and XX/XX/XXXX and the charge for the overdraft which resulted from the application of the overdraft charge itself. 

The charges for the four overdrafts over the weekend were not processed until Monday, XX/XX/XXXX, On that same day, the account was charged another {$140.00}, apparently for the four.overdrafts which were processed on XX/XX/XXXX. Accordingly, from Friday, XX/XX/XXXX until Monday, XX/XX/XXXX, the account was charged a total of nine ( 9 ) overdraft charges at {$36.00} each, when only four overdrafts had occurred over that weekend, not including the overdraft which had occurred as the result of the application of the overdraft charges on XX/XX/XXXX. 

I would like to point out that in no other instance to my knowledge had the ban charged for an overdraft to the account which was the result of the application of the overdraft charge itself. But it is clear that this was the case on XX/XX/XXXX., These charges were made by the bank within a week after the original complaint filed in this case had been forwarded to the bank by your office. It is my belief that these charges were made in retaliation for my having filed this complaint. 

For this reason, I have not discussed this matter with the bank prior to providing you with this addendum. I plan on visiting the branch office of the bank on Monday to discuss this with the manager, but the last time I went to the bank to discuss this matter I was threatened with arrest. Please understand I need this account I just wanted to be treated fairly. It is the only means I have to collect my very modest pension and social security benefits. 
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Under current federal law, the XXXX credit reporting agencies are suppose to let you review you credit report annually. I have tried for XXXX years and I always get various online replies from the XXXX agencies that they can not process my request or that I have already requested a report. It seems like if you do n't buy their additional credit products they refuse to give the consumer their free credit report as required by law.
There are multiple unauthorized transfers occurred lately in my saving account in Chase bank, it is common sense that nobody use saving account for online purchasing, I did n't get any alert / call from the bank, due to the security loophole in their online banking system, those transaction went through without any authorization or approval from me, and they refuse to fully recover my loss, which is totally unacceptable : XX/XX/XXXX RETURNED ITEM FEE FOR AN UNPAID {$980.00} ITEM - DETAILS : XXXX XXXX XXXX WEB ID : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit {$990.00} {$380.00} XX/XX/XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit {$990.00} {$1300.00} XX/XX/XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit {$970.00} {$2300.00} XX/XX/XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit {$930.00} {$3300.00} XX/XX/XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit {$760.00} {$4200.00} XX/XX/XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit {$640.00} {$5000.00} XX/XX/XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit {$560.00} {$5600.00} XX/XX/XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit {$500.00} {$6200.00} XX/XX/XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit {$420.00} {$6700.00} XX/XX/XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit {$350.00} {$7100.00} XX/XX/XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit {$270.00} {$7500.00} XX/XX/XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit {$180.00}
I have a problem with my American Express XXXX XXXX XXXX card and i am hoping someone can help me. i was supposed to get XXXX points after spending {$3000.00} in 3 months which i did fairly quickly. In fact, this offer is still on your web page ( screenshot attached ) : https : //online.americanexpress.comXXXX XXXX XXXX XXXX XXXX XXXX  Later, we noticed that the XXXX points had not been allocated even though we had spent the money. We called and they promised to open a case and call us back in two weeks. When no one called, back. we called again and found that there was no case registered. We then spoke to your rep XXXX ( ID # : XXXX ) who opened another case ( XXXX  ) and has again promised a call-back.

Finally, we contacted the CEO 's office and they told us that we would not get the card because we had had the card earlier, which was apparently in some fine print that we were supposed to read.

However, our problem is that we are lay people expected to read many layers of fine print but American Express, with its army of lawyers, appears to have committed fraud by loudly proclaiming the XXXX   points without being equally loud in stating the exceptions. Also, when we are expected to read an unfamiliar contract, why would they not even know that my application would not qualify, right at the beginning? Also, why would not tell me when they at least gave the card? Or when i made the initial requests until it got to the CEO? Clearly, the intent to commit a bait and switch fraud and hope i would just give up.
I have contacted XXXX, TransUnion, and XXXX about a collection on my account that the agency XXXX XXXX deleted. Its still reporting and dropped my credit score during the home buying process. I have disputed this matter through the credit Bureau, XXXX  and Consumer financial Protection Bureau. I contacted the collection agency through the CFPB and they said they was deleting it because its not my account but the credit bureaus are still reporting it.
I was late on an account from XX/XX/XXXX to XX/XX/XXXX with XXXX. I subsequently made the three missed payments and have been up to date and current since then. However, I received a collections letter from XXXX XXXX XXXX XXXX with the amount for the XXXX loan on or around XX/XX/XXXX. XXXX XXXX XXXX XXXX has reported this as a collection account on my credit report. I have spoken to them several times, On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They advised me that they own the account but to keep making payments to XXXX. I spoke with XXXX on XX/XX/XXXX and XX/XX/XXXX. They advised me that they own the account and did not know who XXXX XXXX XXXX XXXX was. I never received an opportunity to validate this debt with XXXX XXXX XXXX XXXX. They refused to provide me a copy of the original validation letter on XX/XX/XXXX. I have disputed this account with all three credit bureau 's but they did not remove this account. Attached is proof i have been making payments to XXXX and not XXXX XXXX XXXX , XXXX. XXXX did move to a new computer system in late XXXX, I am not sure if this affected my loan and caused errors, it is very disturbing.
My home loan mortgage was modified due to TILA violations by XXXX XXXX XXXX. The loan came with {$1000.00} per year principal incentive for 5 years provided I was timely in my payments. The XXXX {$1000.00} credit was issued by XXXX XXXX in XXXX XXXX the 1st year anniversary of my modification. The loan went from SLS to XXXX XXXX in XXXX. In late XXXX the loan went to Bank of America. In XXXX XXXX I contacted BOA by telephone and through the messaging Center about the missed {$1000.00} credit to principal. To date it remains uncredited. There response was they do n't have any documents that explain such a credit. I faxed those documents to them and requested they send me a copy of what documents they do have from the transfer from XXXX XXXX to BOA. I got no response and no credit. The transfer of the loan to BOA has been a mess from the start. I want my credit and an apology for having to work so hard for something that was agreed to in writing in XXXX.
I was shocked when reviewing my credit report and found late payments on the dates below, which are inconsistently reported : 30 days late as of XX/XX/2016 on XXXX and 30 days late as of XX/XX/2016 on XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.