WillisBack/dataset-financial-user-claim huggingface dataset:
I recently called Bank Of America for a dispute I had, because I had {$300.00} taken out of my account through an atm. That was after I realized they stole my whole wallet from my jobs XXXX party. First, they do the claim over the phone, and ask you a series of the dumbest questions I ever heard! After, like 20 min on hold and 45 min trying to explain what happened, I get no temporary credit or anything. I told them that 's was all my money and for holidays. So I had to wait 10 whole days for them to send me a message saying the claim will not be paid, because the transactions were dispensed and just. I know they were dispensed, but not to me. I am do upset with this bank and how they play you from every angle. Plz help.
I applied for a " Discover IT '' credit card. and was approved, I sent in documents to prove my address and social security number and was told verbally that I was approved for a {$1000.00} credit line and my card would arrive in 7-10 day. so I wait a week and the card never shows neither does an decline notice. I checked back online after a two weeks for my application status only to get a message stating that I has been declined for the card and I would be getting a letter in 7-10 days. I 'm very confused as to why they would approved me then deny me for a credit card and why no denial letter was ever sent out. I sent them everything they asked for XXXX but I never received any correspondence from them after I think these are bad business practices and I ca n't help but think that is slightly discriminatory. My credit history is perfect never missed a payment on anything. So I really would like answers as to why I was approved then denied for a small credit line with no explanation
I had XXXX collection on my credit report. It was from XXXX / First National Collection Bureau at http : //www.fncbinc.com/. A former roommate rang up pay-per-views on my account, I did n't agree to them and closed my account. 

Here 's the thing, the account was closed in XX/XX/XXXX or XX/XX/XXXX. It 's XX/XX/XXXX, it should have been off my report. 

However, according to the credit bureaus, it was opened for collection all the way into XXXX! I disputed this online, and lost somehow because they " proved '' it was sent to collections only in XX/XX/XXXX. 

Is n't that illegal to forge the date that something was stopped being paid on? Or hold on to collections and report them later? 

Not only that, the other day, I called First National, and paid it ( I should probably back charge it ). So after calling them and paying them over the phone, the charge on my card came up as XXXX! How weird is this?! Is XXXX playing a game where they own the collection agency and fudging dates? It seems so! 

Dispute numbers I entered - XXXX of them is correct, but only had 30 days after dispute back in XX/XX/XXXX to view the results. There was another dispute that I won I had in my email with the dispute number with XXXX still.
Dear Consumer Financial Protection Board, On XX/XX/XXXX I attempted to sell XXXX XXXX XXXX E-Gift Cards to gift card reselling website Cardpool, with a total face value of XXXXUSD. Following the submission of my order, Cardpool marked my order as order as a " physical gift card sale '' and requested that I send them the gift cards via XXXX. I then contacted the store and explained that I did not have a physical gift card and asked if they would process the transaction, as I had already submitted to them the gift card numbers and pin information. Since then I have sent several emails and have received no response. Although Cardpool does not provide an exact timeline for customer service, their website notes that they " will get back to you within a day. '' It has been over two weeks. I am requesting the CFPB 's assistance in garnering a reply from Cardpool, and ideally, would request that the company process my order and sent me payment for the gift cards I have sold to them. 

For reference, the emails I sent along with the dates are provided below : XX/XX/XXXX I am attempting to sell your company XXXX XXXX XXXX E-Gift Cards, face value of XXXX USD per card. The transaction ID is XXXX. However, when I went through your online check out process your site noted that I now need to send you a physical card to complete the transaction. I am confused as to why this is, as I recently sold you site a similar XXXX XXXX E-Gift Card with no issue. I have also already provided your company with both the gift card number and PIN number so do not see why it would be necessary to send a physical card. Any assistance you can provide would be appreciated. 

XX/XX/XXXX Dear Cardpool Support, I am writing to follow up on the below inquiry in respect to my recent attempt to sell your company XXXX XXXX XXXX gift cards. I would appreciate your attention and any assistance you can provide. Thanks! 

XX/XX/XXXX Dear Cardpool Staff, This email marks my third attempt to follow up with your company in respect to my sale of XXXX XXXX XXXX Gift Cards for XXXX USD per card on XX/XX/XXXX. I again request that your staff review the order and process it as an e-gift card rather than as a mail-in order, as your system had wrongly designated my order when it was placed. If I do not hear from your company within the week, I will be forced to elevate this to the Consumer Financial Protection Bureau. I hope that this does not come to that action and hope to hear from your staff soon.
on XX/XX/XXXX I try to use my rewards point, american express refuse to let me use the rewards i earned on each credit card because the account was suspended. They took all rewards and instead of being separate by card all cards show only one credit card rewards. I demand full cash refund if the are not allowing me to make reservations online.
I was trying to get a lowered rate and payment : My lender will not modify my mortgage and calculated my income incorrectly.
I have contacted WorldOmni multiple times with no resolution. The car was repossessed XXXX. Following the repossession no notification was given, by law in NC, of time and place of sell of car. I received no written information afterwards on the debt, the details of the sale of car, the amount of loan left. When I contacted them there was {$6900.00} then the next time I contacted them it was over {$8000.00} in debt they stated it was their interest. I requested to see documentation in my loan paperwork that it was valid. I requested multiple times to have information sent to me on the amount of the loan, the amount of the sale when and where it took place, and the amount of debt that was owed. They continue to not provide me with information, and have steadily been increasing the amount with no documentation showing me where they had the right to do that. They broke NC law when the car was repossessed as they gave no notification of sale time and location but rather told me to pay full amount of loan to get back car within 48hrs.Since that time they have provided me with no documentation of which I have been requesting. 

I have received zero documentation from WorldOmni at my home which my address has not changed.
I do not owe this company anything, all equipment was returned. This is false and a scam.    RGS Financial  #  XXXX  {$790.00} Requesting this be removed
For some reason my XXXX XXXX XXXX and my XXXX cards thats in good standings is not reporting on my report my husband added me on to his account and Experience, XXXX and XXXX XXXX is not reporting both cards
ever since my loan was transferred from XXXX to this lender Nationstar there have been major discrepencies in the billing. For many months they would send a bill that i owe {$25000.00}. and another month stating something different. I have a loan modification agreeme nt since XX/XX/XXXX. But it seems like Natiotnstar is attempting to change my modification without my consent or official acknowledgement. My modification, which was signed by me and XXXX should be in effect until XX/XX/XXXX. In XXXX, i fell upon financial hardships and i missed XXXX payment. Hence, in XXXX i mailed XXXX payments to rectify and catch up. both payments have been cashed ( i had to pay post office to do research ) both money orders have been cashed via their records. Hence the payments havent been posted. When i called Nationstar ( mostly bc during my bankruptcy, they kept sending me collections via certified mail ) so i called to get some answers then i was informed that my mortgage payment has been DOUBLED. When i call every time i receive differnt answers, XXXX answer was my home insurance was increased, i called state farm ( my insurer ) and they only increased by {$110.00}. Then i was told that XXXX made error in their calculations years ago. I have requested several times for a copy of my modification, a copy of these increases and a copy of changes being made. I have not recieved anything i requested. I would like your help in this matter. I would like a copy of necessary documents and a ledger of all transactions made between me and this lender. I dont really like how they are doing business. I feel like they violated the banckruptcy terms and i would like the XXXX lien, to be stripped via the bankruptcy. this home is underwater. I am being harrassed and hoodwinked. i am poor but i do need a home to live in and i ffeeling real comfortable making my payments prior to getting with Nationstar. they are causing me undue stress and it is affecting my health.
This is a complaint for Tcf Bank I have never met a group of unorganized individuals. I feel like they are trying to get over on me. I had a debt with them from XX/XX/XXXX I paid the debt off in full in XX/XX/XXXX and in exchange I was promised that they would removed the fraud alert from my name in XXXX and to this day they have not removed it yet. I call them everyday I call the Tcf Bank in XXXX Illinois and they told me to call back I call them back and get told to call back again. This is the worst experience ever. I just want this fraud alert to be removed from name so that I can acquire a new account this has been going on for a few years now. I have proof of the receipt that the debt has been paid in full which I will attach to this complaint. Please resolve this matter.
Equifax, by their own admission, has exposed my social security number and other personal information to hackers.
XX/XX/18 Transworld Systems attempting to collect a debt for what I believe was XXXX XXXX XXXX called my place of employment, I did not answer. Shortly thereafter they called my mother who was listed as my emergency contact and left a message on her machine stating that the call was regarding my 'past due account '.
I  XXXX   XXXX   XXXX  request the Consumer Financial Protection Bureau to intercede where Bank of America is still carrying my PAID IN FULL account as a CHARGE OFF. I find this practice to be offensive to American consumers. We American citizens were never given a bailout like our national banks. When I paid off even the back interest, Bank of America had to take the credit item from sub-standard to standard, and that in effect removes the Charge off status. This is a violation of  Rule 5000  FDIC and it does apply to the fair Credit Reporting Act. If national bank can have it both ways pertaining their abusive practices of FDIC regulations against FCRA guidelines, whats the point of individuals working their way back financially from a financial crisis they caused. This account should be upgraded to simply PAID IN FULL!!!
I have had nothing but trouble from the very beginning since they took over my home loan. I did a home loan modification in XX/XX/XXXX and bank of America received {$22000.00} from FHA. Bank of America needs to understand that this money wasn't to go in their pockets but to catch up my payments that were behind. They refused to show where the money went. Bank Of America was reporting {$4500.00} past due on my statement prior to my bankruptcy and this is what I reported to the bankruptcy court. It was on the mortgage statement which I have proof of. I also didn't have to pay their attorney fee 's when I filed for bankruptcy in XX/XX/XXXX and XX/XX/XXXX. They hired the attorney so why should I have to pay their attorney fee 's for me just filing for bankruptcy. I have to pay my bankruptcy attorney plus their attorney fees. They just don't want anything to be easy on me because I am a single female. And females are mistreated and abused in this country. Since I am the sole breadwinner in my household and having to support my son on top of it. Nothing is easy for a single female. Bank of America is trying to MILK me for all the money i got to pay for my food and other bills. I am getting sick and tired of it. " Why bother to file for a modification " to lower your payment. If by LAW they can raise it to {$560.00} from {$510.00}. They are making my life very difficult to live. One other thing I would like to point out. My bankruptcy lawyer works for me not them which I am paying her. And I shouldn't owe their attorney fees because he is not representing me but Bank Of America! " Just to look over my bankruptcy filing! ''
I have disputed the late payments on this XXXX XXXX XXXXXXXX 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 would like validation of the credit application and signature sent to my mailing address. I do n't want any verification through any other company. I would like this removed from my Credit report if there is no valid validation.
Alright so back on XX/XX/2017, i made a car purchased and the dealer sent out inquiries to alot of lenders, i need help getting this disputed from my credit report, if you guys can help me that would be awesome. Please and thank you.
This is my 2nd complaint against Capital One for the exact same reason. 

I have been repeatedly denied a credit line increase on my Capital One credit card account. I have made all payments on time ( aka no late payments ) the life of the account and have paid my account in full the past few months. I have made several inquires into why I 'm being denied a credit line increase via email, chat, and phone. Each time I inquire as to why I 'm being denied a credit line increase I am told that the customer service/customer service supervisors can not help me and to read my letters of denial. The denial letters I 've received give no explanation as to why a credit line increase is being denied except that my " account is currently being reviewed at the current credit limit ''. I have contacted the company via chat - I 'm giving 'canned ' responses, I 've contacted consumer affairs for Capital One - no one responded. 

I filed a Better Business Bureau on this same issue about two years ago, and again I 've filed another complaint this past week. I am not being provided with a valid reason why this credit line increase is being denied, nor is Capital One providing acceptable customer service on this issue. I believe I may be being retaliated against by Capital One because I filed a complaint with the BBB two years ago, and fear this retaliation has and will continue as I was forced to file yet another BBB complaint and now another CFPB complaint as well.
On XXXX XXXX 2016 I contacted Harley Davidson regarding a trade line that has been listed on my account. I do a show here that they deleted the Tradeline, however, they did not delete the inquiries. I have never owned a Harley, nor have I ever applied for one. Please listen to the attached recorded call as Harley Davidson can NOT find me in their system, yet they continue to report negative information on my credit report. Please also find attached letter that I have sent to try and resolve. 

At this point I feel that the damage has been done and Harley has violated FCRA and FDCPA, which to my understanding entitle me to around {$1000.00} per violation + attorney fees. I do not wish to litigate, but am prepared to do so if this issue does not get resolved expediently. I am requesting that Harley Davidson not contact me by phone and only do so by USPS Certified mail or via the CFPB Portal. 

Looking forward to a hopefully uneventful resolution. 

XXXX XXXX XXXX
In XX/XX/XXXX, I paid off my Wells Fargo credit card, as it was in collection status. Due to financial struggles, I never had the chance to pay it off for almost four years prior to this. After paying it off, Wells Fargo informed me by letter that it will be reported to all three credit bureaus as closed & that it can be removed, along with the late payments from XX/XX/XXXX-XX/XX/XXXX. However, that status has never changed and the account is being reported as a " charge-off ''. I've disputed this account with the three credit bureaus, only for the dispute to be denied.
This a collection notice for medical for a work comp accident. This is an illegal collection attempt under the work comp laws of Texas.
Chase Bank did not send me a statement. Chase Bank did not contact me until my account was 30 days past due. Since the day I received my card ( about 6 months ago ) from Chase Bank, I have not received a single statement. I'm never late on payments and never have a carryover balance on any of my credit cards. My credit score was 800+, now thanks to this unethical company it has dropped about  75 points for who knows how long. When I looked in to it, I learned my card was 0 % interest and the only way they made money off of the card was through late fees. I don't think it was a coincidence that I never received statements. I'm done with Chase and hope they're not doing this to anyone else.
In XXXX of 2015 I went into a chase branch to open an account. My partner ( a male ) also has chase. We XXXX wanted to have the same banks to allow for easier management. When I tried to open a checking and savings account I was told there was an account already opened up under my name. The rep told me if the account was not mine, which is was not I would have to file through their fraud claims process. Here we are now 7 months later, after chase has put me through hundreds of phone calls to them, endless paper work and documents etc. Chase made this process nothing but easy, all the reps that I would work with at their executive office would never call me back. I would have to call daily and follow up on the account. Finally I got confirmation from Chase bank telling me that they approved my fraud claim and was not liable for anything and non of this would effect me. I was last speaking with a man by the name of XXXX and a woman XXXX XXXX. XXXX XXXX knew my situation and told me once the fraud case was approved in my favor I would be able to open an account. Why would I go threw 7 months of phone calls with Chase and letter and constantly following up with them for no outcome? XXXX XXXX told me once the fraud claim was approved that she would reach out to the chase branch and inform them that it was ok for me to open the account. This was about a month ago. Finally after leaving XXXX about a dozen voicemails I never got a call back. So I went to Chase.com and opened the account online. A few days later chase canceled my account. When I called in to Chase executive offices to find out why after they promised they would open they gave me a whole different story. I called to the main number and spoke with a man named XXXX he told me that XXXX was on leave. He told me that I was a risk to the bank and that the bank did not want to do business with me. I said how is this possible? I said Chase put me threw a difficult fraud claim process over 7 months, Chase told me the account was not mine and confirmed it was opened fraudulently. XXXX could not really answer my question, other than to say that It was Chase 's compliance department that would not let me open the account because I am a risk because someone opened up an account under my name. This makes no sense to me! I have been more than pacitent. It is not apparent to me that my initial concerns of Chase trying to discriminate against me as a XXXX male trying to bank at the same bank as my partner are true. How can I be responsible for an account that someone else opened up under my name. Chase is clearly discriminating against me as a XXXX male. Please see attached paper work for the approval letters.If Chase does n't comply with what they promised I have no choice but to turn to social media and let the world know how Chase treats their XXXX customers. I will reach the TV stations, media XXXX etc.
My elderly mother XXXX XXXX was XXXX XXXX 2015 and I her daughter XXXX XXXX went a gathered all her bills to be paid, XXXX account with Synchrony Bank was delinquent and was sent to " XXXX XXXX, XXXX '' in the amount of {$310.00}, I paid the account in full on XX/XX/2015 XX/XX/2015 Synchrony Bank sent a statement with a new balance of {$94.00} with no previous notification or services provided to my mother. I sent Synchrony Bank in writing a letter stating the account was settled, they sent back a letter to her to contact the collection dept. to be better able to assist her. So together we called and they stated they do not deal with XXXX or any third party companies! I read the letter to her and she asked that I hold as she tries to remove the fees ... ... Comes back and states she can not remove the fees. They keep sending statements with more late fees now. Also the account is frozen and she can not use the card for her XXXX needs at this time. So I am now contacting you for assistance. Thank you
I got an alert that someone had made an inquiry into my credit without my permission. Upon further investigation I discovered that someone tried to obtain a credit card in my name. I wrote a letter to Transunion when I discovered this in XXXX, I have not received a response. This hard I quirky to my acct was made on XX/XX/2018, and it was a XXXX card. 

Any assistance you can give me with this matter will be greatly appreciated. Thank you in advance for you help.
DITECH is committing mortgage fraud. DITECH is printing two invoices, from my account, in a single 30 day period with erroneous data. One invoice shows my payment on time and the second one does not. They use the second invoice to show the credit bureaus I did not make a payment, when in fact I have made the payment on time and in whole. DITECH is causing me harm and others like me. I want DITECH to provide to the CFPB what month I was late with invoices and bank statements, and I will show the bank statement and DITECH invoice that shows every single payment on time for the past 12+ years. Due to the fact, I have never missed a payment nor have I never not sent the whole amount as per the mortgage contract. DITECH is attempting to seize my property which has a large amount of equity and remove me from my home of 12+ years. DITECH 's reputation proceeds them as a crooked and fraudulent mortgage company. They are no better then countrywide, green tree and other crooked mortgage providers.
I have not been able to get Ocwen to modify my ARM mortgage. I have tried a few times over the years. Their last response was that it was modified in 2008 and is ineligible to be modified. Mortgage rates have been so low and because my mortgage is considered " underwater '', I really can not refinance it elsewhere. I just want a LOWER, FIXED RATE! Based on comments I have read on the internet, I am not the only one having issues with Ocwen. Complaints have been written by homeowner around the country. I even read where the XXXX has investigated them for their practices of not helping homeowners by rejecting loan modifications.