WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX my debit card would not work at the atm machine. I went inside the branch and told the teller. she did the transaction for me. later that day I found out a check had not cleared so I rush back to the atm before XXXX to deposit the money back except the card would not work. there were another deposit made in the account that was placed into pending although it was cash. The check was paid and I was charge {$35.00}. the issue is the bank was to investigate the matter in XXXX and get back with me, never a letter nor a phone call not even a message. I went to the branch yesterday to see what was going on and I got such unprofessional response from the employees and lies and they stated the bank does not send customers replies to dispute because it is a personal thing that they do so they do not, yet they tell me this employee had tried several times to call me and yet I never received a call or a voice mail, not even a e-mail from this branch. the bank manager was talking to the man employee and when he walked out I asked to speak to her, would you believe she effused to speak to me and she was sitting right there in her office looking directly in my face which she then moved her chair over to the other side so I could not see her and there were no one in her office with her. That employee that was to type up the paper work for the investigation did not know what she was doing and she said so, other people was coming in to help her and because I had been in her office a long time waiting for her my XXXX small grand children got very antsy, so now you know I am getting a little frustrated because every office person should know how to quickly get a customer request resolved, except this one did not. to wait two months for a banking resolution is ridiculous and this type of behavior should not be tolerated from no employer. all your office personnel needs to be terminated and all your bank tellers should be running the bank and then find all new tellers, because they are the ones with class and professionalism. this group at the XXXX GEORGIA NEEDS TO GET THEIR TRAINING FROM THE XXXX, GEORGIA BRANCH ON HIGHWAY XXXX BECAUSE THEY ARE THE TOP WHEN IT COMES TO CUSTOMER SERVICE AND THEIR NEEDS. MORE SO THEY ARE HONEST IN GETTING THE JOB DONE AND KEEPING A VERY GOOD REPUTATION FOR THEIR EMPLOYER.
I was locked out of my Target account as usual because once again I forgot my username/password. I called was helped by a very nice rep who opened it back up. What I failed to realize was I had to answer 3 verification questions and one of the questions I was n't able to answer because lo and behold they had automatically switched my old card to my new card which I am waiting to get in the mail. I had to call again and this time the rep who picked up apparently does n't like her customer service job and hung up on me when I told her my issue and also told her that it was n't right to have switched everything when I do n't even have my new card because now there 's no way to access my account. With that, I proceeded to call a third time and this rep kept repeating himself how my new card is in the mail and I 'll get it in 3 weeks!! Well, how in the world does that help me now?! Especially since I placed an order with my old card yesterday & now I ca n't even check if that went through!! With that, this rep said he 'd transfer but did the same as the last rep & hung up on me! To top it all off, I 'll be away the week my card supposedly arrives & I ca n't use my card because it 's no good anymore because it 's not on file anymore now that my new card, which is NOT in my possession but somewhere in the postal system, was automatically put in. What kind of a company does that?! As a consumer, I 'm the sole person who should be changing my credit card info on file, not the company. That means they just go into peoples ' files. They need to change that. I do n't even know what to do now
Due to an overpayment, I had a large negative balance on  my Lowe 's store credit card. I requested a refund of this balance per Lowe 's policy. This was 50 days ago. I was initiall y told it would tak e 7 to 10   days to process the refund. Several days after that time had lapsed ; I was told it would take up  to 20  additional days for them to resolve my refund. It has now been 30 days since they said that and I still have not heard anything from them. At this point I can only assume that they plan to not release the balance to me. Can you please contact them and ask why they are witholding funds from me against my will? Thanks
XXXX XXXX XXXX is reporting a {$2000.00} balance account number XXXX i do not owe this company any money. balance is o. and they are only reporting this account to experian only.
Midland Funding filed a lawsuit against me a year ago attempting to collect on a debt I do not recognize. The only evidence they have provided is a single affidavit from an employee of Midland XXXX. I believe it to be a robo-signed affidavit.
XXXX/XXXX/2016 XXXX XXXX XXXX VA XXXX GMAC ON MY XXXX REPORT This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus XXXX, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : GMAC BANK To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I 'm sure you 'll agree that verifying your information is in your best interest. 

Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

Sincerely, Signature XXXX XXXX
I XXXX XXXX have recently gone through a great deal of personal hardship. This hardship was caused initially from a XXXX my husband had, along with his fight against XXXX. However, there are several credit cards where I was added on as a user only, and its time that I request the removal of my name off of the accounts of my husband XXXX XXXX. I also demand the deletion of these accounts from every pertinent credit reporting agencies, XXXX, XXXX  and XXXX XXXX respectively. I believe its necessary to file my notice through the Consumer Financial Protection Bureau, as I do not see these creditors working fairly or quickly. Accordingly, I request the deletion of these items from my credit bureaus and the purging of my information with each financial institution.
I am writing to ask that you provide to me a true, correct and complete copy of the promissory note and any other evidence of indebtedness, with any modifications or endorsements thereto, as disscused in California civil code & 294 3 ( b ) ( 1 ). 

Please provide to me a true, correct and complete copy of the deed of trust with any modifications and assignments thereto, as discussed in California civil code & 2943 ( b ) ( 1 ).

Please also provide, pursuant to the truth in lending act ( 15 u.s.c & 1641 ( f ) ( 2 ) the name and address and telephone number of the secured obligation 's owner or master servicers. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Ca, XXXX Account # XXXX XXXX * XXXX XXXX pm *
I was subjected to deceptive trade practices. I explained the situation in great detail and submitted evidence that the company was not following industry standards. 

Chase treated my inquiry as a billing error instead of deceptive trade practices prohibited by Virginia state law and proceeded to resolve the issue with the deception ignored.
XXXX XXXX XXXX has failed to correct their record even after I have notified them of the Notice of Error. The responses that was provided is incorrect.
The attached record will provide proof that XXXX XXXX sold the mortgage to Dovenmuhle Mortgage Inc ( who claim to be the servicer of the loan ) on XX/XX/XXXX ( see attachment ) before I signed the Loan Modification which is illegal. As a result, Dovenmuhle Mortgage added an extra XXXX and set up an escrow account as well as a suspense account to to the mortgage onXX/XX/XXXX in an attempt to recover money they claimed that they lost, once it was transferred from XXXX XXXX XXXX, the previous servicer of the loan ( See attachment ) Dovenmuehle Mortgage contacted XXXX ( my insurance company ) and provided false documents so that they could set up the escrow account. The attached documents will show a clear violation of the contract sign on XX/XX/XXXX. In a letter dated XX/XX/XXXXfrom XXXX to the Insurance Company RE : Mortgagee Clause Change Endorsement Request to change from XXXX XXXX XXXX to Dovenmuehle Mortgage INC effective immediately since the mortgage was transferred on XX/XX/XXXX. The only records that Dovenmuehle Mortgage keep presenting is dated XX/XX/XXXX. Can you, Dovenmuehle Mortgage INC or XXXX XXXX XXXX explain why the Insurance need to change if the mortgage was not sold? Why does the statement showed a new mortgage? Why does the statement show a 2nd mortgage once it was altered if I only have one mortgage? Is this an effort to cover up the truth by all departments involved?
Attached is the letter received from the escrow dept for the taxes showing that violation was corrected from the Notice of Error without admitting it : Dovenmuehle Mortgage INC fail to show the signed documents which caused them to set up a new loan on XX/XX/XXXXwhich was used to make changes with XXXX XXXX. I want such proof An escrow is only necessary to pay for taxes and insurance. If the insured is paying for their insurance and the property is tax exempt why is Dovenmuehle Mortgage the Servicer for XXXX XXXX XXXX charging extra money ( overcharging ) me on the mortgage payment and you the CFPB is allowing it in violation of my consumer rights?
In  2005 a student loan application was processed with my name and information attached to it. I did not sign the documentation nor do I agree with the terms of the loan. My personal credit has been effecting my history and credit reporting agency. I have been trying to deal with the owner of the loan for over 11 years and they still refuse to act. My credit continues to have just one negative report on it. I deserve a timely response in this matter but no one else sees that. Please help restore my credit and step on the lower life form at AES.
Date XX/XX/XXXX A man named XXXX XXXX XXXX born XX/XX/XXXX has driven a vehicle not fully in my name that was on a temporary loan based upon. 

Conditional delivery, '' or driving your new or new-to-you car home while a dealer ... If you have n't started investing yet, these tips will help get you on the right track .... to give back the down payment or trade-in if the deal is not approved. ... because the value drops precipitously once a car is driven off the lot. 

Too sum it these individuals took this car without permission resulting in the arrest of one individual, and other ran from the scene during this car accident. 

A YEAR LATER I GET A LETTER FROM AFNI SAYING I OWE XXXX IF NOT ALL THEN SOME OF THE MONEY. I EXPLAINED EVERYTHING TO THEM RESULTING IN OUR DISAGREEMENTS OF TRYING TO FIND PROOF THAT THE VEHICLE WAS N'T MINE LEGALLY IT WAS STILL THE DEALERSHIP NOR WAS I MAKING MONTHLY PAYMENTS YET WHERE I HAD NO DEALER ONLY TEMPORARY DEALERSHIP TAGS WHICH CAME FROM. 

XXXX XXXX will not cover this incident based on my identity being compromised and AFNI is trying to deceive me by theft and deception. They made threats that can impact my credit report saying I was negligent and I was not even the driver nor passenger. Also they made threats by notifying the DOT from suspending my drivers licence and registration privileges. 

XXXX XXXX XXXX at XXXX XXXX WebsiteDirections XXXX XXXX XXXX reviews XXXX dealer in XXXX XXXX, Colorado Address : XXXX XXXX XXXX XXXX, XXXX  XXXX, CO XXXX Hours : Open today XXXX Phone : ( XXXX ) XXXX
I recently sold my old, wheelchair accessible van online. I received payment by a buyer along with the shipping fee for a total of {$65000.00}. I was instructed to wire to the shipping company. The check was sent to me in the mail for {$65000.00}. Navy federal credit union said it would take 48 hours for the check to clear, after which the funds would be available to me. After the 48 hour period Navy federal credit union cleared my check. I then used those funds to wire {$22000.00} to the shipping company to ship the vehicle as per the buyers request. I used the rest to pay off some debt and the vehicle loan for my new handicap accessible van. The very next day my account reflected a {$65000.00} deficit. I complained to Navy Federal via  telephone. Apparently it was a scam. I was rudely dismissed by the phone representative and her supervisor and told that the 48 hour waiting period is really more like five days. I went into my local branch and talked to the manager who was more sympathetic ; but yet the manager still reiterated the fact that yes, indeed, I was told by the bank teller that processed the deposit of the check that the check would take 48 hours to clear before the funds would be available when in fact the period for a check to clear is more like five days. I told the manager that this wouldve been invaluable information at the time the funds were released to my account. I most certainly wouldve waited the additional 72 hours. And I left without a good answer as to why I was told I could access my funds after 48 hours, if in fact the waiting period is more like five days. Now Im stuck with the bill. Its hard to imagine Navy Fedrals motto is serving those who served. Not so much! 

Sincerely, XXXX. XXXX XXXX, XXXX, XXXX. 
XXXX Veteran
I was locked out of my CitiBank online account. 
I reset the password twice. Eventually got 100 % locked out to where Citibank said that they would send a new card. 
New card was never received and when called to finally close out the account I have not received final confirmation that the account it closed.
On XX/XX/2018 I was alerted by XXXX, XXXX and XXXX that Commonwealth placed a collection on my credit file. I have had no notification from this company at all regarding this debt. Therefore I have disputed this as a fraudulent account. Also I have no signed contract with this company stating that I owe them.. No signature can be provided.
I Have disputed a fraudulent account which went into collections with EQUIFAX over 4 times. Each time they claim they verified status and they keep saying they have not received the documents I uploaded via their own websites and also that I faxed to them. I have letters from both the collection agency : The original creditor XXXX XXXX XXXX has also submitted and it is not getting updated. I would like this removed from my credit report however I am tired of disputing it with EQUIFAX. Fortunately I provided the same proof for XXXX and XXXX and they removed it also immediately.
XXXX XXXX XXXX XXXX, XXXX  is charging for XXXX {$570.00} which are claiming that insurance didnt cover, XXXX never notify me the consumer when they did the XXXX how much I was going to pay, if insurance didnt cover costs, they send me a bill after the procedure.
To Whom It May Concern : I am having issues with Flagstar trying to maintain my home ownership after divorce. Per the divorce decree, my ex-spouse must be relinquished from all financial liability of home ownership of said property. 
I have requested through multiple formal submissions to FlagStar Bank, mortgage servicer for XXXX, to assist in maintaining my home ownership - beginning XX/XX/XXXX ; with a follow-up request occurring XX/XX/XXXX ; and most recently, I have sent a third request XX/XX/XXXX. 
Throughout these past months, I have not only been met with resistance from FlagStar, but I have even had the FlagStar representative dictate to me I should " Sell my home ; downsize ; and get something more affordable. '' My sister was on the phone and witnessed this statement. I find this comment deplorable and offensive. After much thought and research, I am confident neither the CFPB or Fannie Mae would find those words acceptable. As a result and in addition to submitting to FlagStar, because of all previous denials ; lack of responsiveness ; refusal to find the " right '' solution and/or provide possible options ; and offensive words, I am also submitting this mortgage complaint to the CFPB for support and guidance to navigate the mortgage process and help me keep my home. 
I absolutely want to maintain full ownership of my primary residence. I am established in the community as a graduate of XXXX university ; XXXX ; and my family lives in the same subdivision. 
Please assist me. 
Thank you.
Capital Management Ph # XXXX All creditors have been notified to contact my Debt Settlement Attorney XXXX XXXX at XXXX. 

YET XXXX/XXXX/XXXX Capital Management Called my personal cell and left a voicemail.
When pulling my credit report through XXXX there is a judgement in my name at the XXXX County Superior Court 2 for XXXX XXXX XXXX XXXX. I have contacted the XXXX County Superior Court and Clerks office about this judgement. They sent my copies. I do not see this judgement as well as the XXXX County court. It is not in their records. 
I have contacted XXXX XXXX XXXX XXXX and they stated that the account was closed. 
I am disputing this because the judgement is keeping me from proceeding with my line of credit. My credit counselor has advised me to take care of my judgements in order to help my credit score. I have taken care of everything but this account is incorrect. 
Please help me to get to the bottom of this.
In XXXX I opened an account with XXXX, both to manage my personal XXXX holdings and to support a XXXX related business I was building. I was able to open and use a merchant account, and used the Coinbase XXXX to process XXXX subscription payments for my business. 

In XXXX of XXXX my business had grown a great deal, and I had a number of recurring subscriptions to my service set up through Coinbase. In order to stay compliant with all the rules regarding identity, I updated the address information on my account, as I had moved from one state to another. This update triggered an automatic review of my account that has not been completed to this day ( XXXX XXXX XXXX ). This review process suspends all activity performed via the XXXX ; that is, all of my subscriptions were now unable to be processed, and new customers were unable to start subscriptions. 

I requested support from Coinbase, but this ticket has never been responded to. The net result of this long delay is all of my monthly customer subscriptions through Coinbase have expired and can not be renewed ; reducing the revenue stream of my fledgling business, causing confusion among my customers, generating additional support load for my business, and requiring development time to move to another XXXX.
XXXX/XXXX/XXXX, recieved summons in Civil Court stating, I owed XXXX dollars plus interest from XXXX XXXX, Weinberg, Weltman and Reis CO..LPA by XXXX XXXX XXXX XXXX XXXX. Copy of the complaint had wrong address on it. I called and spoke with XXXX XXXX/XXXX/XXXX @ WEinberg, Weltman and Reis, Explained that this was not my address and that I had never lived in XXXX Va and that I had never taken a card out with XXXX XXXX XXXX, ever. He stated that they reseached and it came back to me and my address. I told him this was not me and this had to be someone else, Identity theft.He stated it was me and that he would send the information. Giving me case number XXXX and phone # XXXX. 
I pulled my credit report, XXXX/XXXX/XXXX, wrong addresses, diviation of ss #, and entries from XXXX ( debt buyer ), XXXX XXXX Bank, XXXX/XXXX/XXXX I called Experian and disputed the inaccuarate info. I called credit XXXX bank and spoke with XXXX who could not find and info at all.. 
XXXX/XXXX/XXXX XXXX, XXXX and XXXX asking for XXXX, giving my #. XXXX stated that XXXX was not in, she could help me, I told her I had not recieved any forms and she stated this debt originated from XXXX. I told her I had never heard of them as well as I had contacted Excperian and this was Identity theft. 
XX/XX/XXXXI contacted XXXX At XXXX he stated I did owe the debt, tht i had made a payment of XXXX dollars, I asked when he could not tell me he told me to call WW & R, I did spoke with XXXX XXXX he again sending packet, I again stated Identity Theft. 
I sent answer to XXXX County Court ( Date XX/XX/XXXX ) I filed police report XXXX/XXXX/XXXX, as well as Identity Theft Notification form XXXX XXXX, as well as Identitiy Theft Victim 's complaint and Affidavit. I also as instructed sent disputed account-notice to furnishers to XXXX, XXXX XXXX Bank and WW & R enclose ID Theft Affidavit, proof of ID ... .... 
Only one I Have heard back from is XXXX XXXX XXXX stating I am not responsible for any previous or further balance occured on this account ... XXXX
This company has inaccurate information. I would like full validation of this account which was prior requested and nothing received. I want to see the initial signed contract, full list of every payment made, etc. They have failed to provide so now I am asking your agency to help.
Representative called and the first thing I heard was that the call was being recorded and them asking to speak with my husband. When I notified them that they were calling his wife 's phone, they asked me for his social security number to verify who they were speaking with. I informed them I do not give out our information and they asked me to have him call, and tried to hang up without providing any information. They never announced the name of their company when I answered the phone, and when I asked for the name of the company, they provided it, and quickly hung up the phone without giving me a phone number. I reverse XXXX the number of XXXX from my caller ID to get their info.
On or around XX/XX/XXXX I noticed that I had some inquiries on my Transunion credit report that I did not approve. The following day XX/XX/XXXX I sent a letter to Transunion explaining how I did not authorize these inquiries listed on my credit and I wanted them removed. Transunion replied by sending me a standard letter explaining why inquiries are on my credit and none of it dealt with unauthorized use. I then contacted them several more times over the course of a year ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) about the unauthorized inquiries to no avail.
When I pulled my TransUnion credit report there is my name on it but there is also XXXX, XXXX, XXXX. I do not know who this person is nor have I ever used this name.
We called my Mortgage Company my finance and I in XX/XX/2018 of this year and ask them was there anything they could do because my son was having a XXXX XXXX Transplant due to his complications of his sickness, Not only did I provided all the documents as far as my XXXX, I also time taken off work, which was from XX/XX/2018 until XX/XX/2018 because I was my son care giver at the hospital I stayed from the beginning to the the end of the procedure. I explained to them with me taken off work it will put us behind with our mortgage, they told me sure I will see what I will do, just provided me with everything.The hospital Social Worker wrote a letter. From the time I sent all my paper work while in the hospital until now. It is now the end of XXXX they still say send me this, send me this, but he wait until 3 week just send me this, another two weeks just send me this. I don't know what else to do were trying to play catch up of course they return the money back. We told them we don't want to sell our home, they still ask. I fell I were being discriminated against. Can you help please me with some advice.