WillisBack/dataset-financial-user-claim huggingface dataset:
My husband and I were ( are ) trying to buy a home and took the first step in obtaining a home loan by reaching out to Wells Fargo. During our call, the gentleman that had been assigned to us was going over the program. We specifically asked what was needed and what were the first steps to get approved for a home loan. He did n't mentioned a credit score number that would be ideal nor did he bring up the fact that a certain amount of money had to be in your account at the time we started the loan process. He only was concerned about the amount of home loan we wanted. We did n't know what was possibly for us to get due to not having any information from him still on credit scores nor money in the bank. He was all over the board on down payment % and amounts and could n't give us a ball park answer. We had only given him approval to run our credit score since he stated that would allow him to answer all of our questions. After running our hard credit, they ran another hard credit on our account ( 2 hard credits, which approval was not given on the second one ). After our call today with the gentleman at Wells Fargo, he said that with the home loan we were wishing for we need a certain amount of money in the bank and this we should have known. If we knew that we would have to have the amount of money in our account for that home loan, we would have NOT approved a hard credit and worked on securing that amount of money in our account prior to moving forward. We also could have looked at a lower home loan if he would have told us ballpark estimates on amounts needed for down payments, but he refused to give us this information until he pulled a hard credit. I would have never approved a hard credit pull which has impacted mine and my husbands credit scores significantly if this information would have been presented to us prior.
It was announced XX/XX/XXXX that there was unauthorized access to data controlled by Equifax from mid XX/XX/XXXX through XX/XX/XXXX. Rather than contact people individually and personally, we found out via a press release, and had to verify our identity through their own site to find out if we were affected. I checked today ( XX/XX/XXXX ), and I 'm on the list of potential victims, where my SSN, license number, addresses, and birthday are compromised. That 's more than enough information to allow someone to open new lines of credit in my name, or otherwise compromise my financial standing. The company 's resolution to this is to enroll with their TrustedID partner for protection and monitoring, but the service only lasts for one year. My information can be used for significantly longer than a year, however, as my social security number can not be easily changed without identity theft having occurred, changing my name would be silly, my birthday ca n't be changed, and my addresses are impractical to change. This service is not free after the first year, and we also can not enroll immediately- we 're assigned a day that we can enroll, and mine is n't until the XX/XX/XXXX. We 're also given information on freezing our credit reports, but that 's not free unless you 're already a victim of identity theft.
I turned in my vehicle in XX/XX/XXXX at the end of my lease term and was aware that I had mileage overages that I would be responsible for as well as some sort of " restocking fee ''. 

Come late XX/XX/XXXX I realized I had yet to receive a bill and proactively called Chase Auto Finance where I was informed that I owed {$2200.00} and I should have received the bill weeks earlier. I asked for the bill to be resent so I could review the statement. In this process we found out that they had an old billing address. 

I always keep my billing address up to date on my credit accounts. My Chase account that I paid both my Auto Loan as well as a credit card I have with them, was up to date. It turns out my Chase account billing address online only pertained to my credit card and not the auto loan. I'm not sure how I was supposed to know that. Logic would suggest if I view and pay my bills through one Chase account, that if I update the main account billing that it would reflect across my accounts. 

Nonetheless, we corrected the address in their system and weeks went by where I received 2-3 " change of address '' confirmation letters but never received the bill. I asked them if they could email me a copy and that I would be happy to resolve it if I could see the bill, which they said they were not able to do - it had to be done through mail. They couldn't explain why I wasn't getting the bill and eventually just turned my account over to XXXX XXXX for collections. 

The only logical answer to what was happening here was that they corrected my billing address which auto-generated the " change of address '' letters that I received, but the change never reflected to the actual bill. The Post Office isn't a complicated organizational operation and if I was receiving the " change of address '' letters, there's not reason I wouldn't also be getting the bill if they'd corrected it internally. 

I raised this issue with XXXX when they called me in XX/XX/XXXX and they were finally able to get me a physical copy of the bill. I received it 5 days ago and paid the balance in full today. 

I see this as an unfair practice on behalf of Chase of an online process that's not transparent, and an internal operational billing issue that I shouldn't be penalized for. As a matter of fair practice, it's not fair to expect someone to pay a bill over {$2000.00} without them being able to review the bill.
I tried to open a bank account with Citibank. 
The account was opened and funded. Now they asked me for verification with Driver 's license. I traveled XXXX and my Driver 's license XXXX a few days ago. 
I asked them if I could fax my Passport they refused. They said it 's only Driver 's license they need.
During the sales process of a new lease at XXXX Acura in XXXX, MA, the car I test drove is not the car I leased & the differences and details were not disclosed to me. The lease terms were fine, but the vehicle I thought I was leasing is not what I received. Additionally, the remote start feature did not work as disclosed during the sales process, which were also explained wrong during the vehicle walk through. I 've tried to resolve directly with the General Manager at the dealer. The options were I could pay more money, or keep what I have. I was n't willing to take it off the lot the day of pickup, but I was told I had to because it was registered to me.
XXXX reported mortgage delinquent between XXXX and XX/XX/2017. This 90 day delinquency caused credit to score to drop dramatically
XXXX XXXX XXXX XXXX XXXX security XXXX Bank XXXX. Mortgage XXXX Bank of American Bank XXXX Bank XXXX XXXX XXXX case XXXX XXXX Customer service Group XXXX XXXX XXXX # XXXX XXXX Texas XXXX XXXX Saving and loan XXXX, failed closed in XXXX Home savings and loan XXXX XXXX bank XXXX XXXX Bank XXXX saving and loan Bank closed XXXX XXXX XXXX Banks XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Fax XXXX. 

XXXX XXXX committed fraud, Fraud, forged deeds loan documents identity she put never Been married on XXXX XXXX my husband death certificate I was married to him 28 years
I am disturbed that you continue to list a dismissed ( filed ) bankruptcy as confirmed. I am aware that you receive your information from a third party verification system known as a pacer system. This system is sometimes inaccurate because of the limitations of providing a complete Social Security number. Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order for relief. '' Any case, civil or otherwise, which is dismissed, no longer exists in the eyes of the law, and a case filed may never have actually been adjudicated. You have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1681 ( a ) ( 5 ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy. Considering it does not require an investigation, I would appreciate your response within two weeks from the date you receive this letter.
XXXX   XXXX ,    2017 Me ssage left on machine looking for another person who was " listed on an application as a reference ''. Caller ID #  XXXX   XXXX , call back number stated  XXXX
I submitted a letter to dispute inquiries on my Transunion credit report. I talked with XXXX XXXX and XXXX XXXX on XX/XX/17 at XXXX XXXX central time. They informed me that Transunion does not dispute inquiries and I asked why not since the inquiries are a part of my credit profile? They said because it was a part of their policy not to dispute inquiries but neither could give me a specific policy to validate their claim. I disputed these inquiries based on full disclosure. I stated in the letter that the inquiries I was disputing did not explicitly state that the inquiry would result in a hard inquiry on my credit report. Transunion refused to go further and has already sent a letter a day after receiving my dispute. For that reason, I am filing this complaint for Transunion to do their job and investigate and obtain proof that I was given full disclosure regarding these inquiries.
What justifies CEO XXXX XXXX To get such a large increase in salary and all the other Executives in JP morgan banking. To have a XXXX dollar salary is not justified to throw at someones salary. HOW MUCH IS ENOUGH. Charge higher rates on credit cards, higher rater on ATM fees, higher rates on small buisness checking accounts, mortgages etc, so the people trying to makie a living go in to debt and all the chase excutives live like XXXX.WHAT IS WRONG WITH YOU PEOPLE HOW MUCH IS ENOUGH. HELP THE LITTLE PEOPLE.
Summary : Coinbase failed to pay me {$1800.00} after I sold assets. 
On XX/XX/XXXX ( 14 business days ago ) - I sold Litecoin in Coinbase. 
On XX/XX/XXXX ( 7 business days ago ) - I sold BTC in Coinbase. 

Both transactions show " completed ''. Their website first said " wire delays 2-3 days '', then " 5-7 days '', now " 10 days ''. I am at 14 business days now. They are keeping my money. Repeated attempts on gaining an estimate have failed. They do not answer their phone. 

I wish for them to do the following : 1. If wire transfers do not work - then perform an A.C.H. 
2. If they are unable to perform the above, then redeposit the sold LTC & BTC into my wallets. 
XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Extended Details : > > > > > > > > > > > -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Total Loss : {$1800.00} Sold Litecoin XXXX LTC @ {$360.00} per LTC Reference code XXXX Payment Method My credit union.. 
Fee {$25.00} Subtotal {$360.00} Total {$330.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Sold Bitcoin XXXX BTC @ {$17000.00} per BTC Reference code XXXX Payment Method My credit union. 
Fee {$25.00} Subtotal {$1400.00} Total {$1400.00} XX/XX/XXXX XXXX XXXX Completed -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Company Regarding : CoinBase XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX-XXXX XXXX@XXXX.XXXX  www.coinbase.com -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Summary : I executed the above noted trades. One has been over 14 business days. The other, over 7 business days. Coinbase, at first, estimated delays of " 2-3 days '' ; then " 5-7 days '', now " 10 days ''. 

They never wired the funds to my bank. 

I submitted an inquiry via their support website ( they do n't offer phone support ) on XX/XX/XXXX, XX/XX/XXXX,  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I 've got 2 " cut and paste '' replies that state they are sorry and working on it. However, their website states there are only 10 day delays for wire transfers - but it 's been 21 days ( 14 business days - as of XX/XX/XXXX ). They 've apparently sold my holding, stated it 's " complete '' and still are holding my funds with no intention of depositing it into my custody. I tried to call them today & they do n't answer. 
= -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -
Equifax is not allowing me or creditors to access my credit reports. I have complained numerous times about this. We can not access it at all. It has caused me to be denied for credit multiple times. It is causing he horrible harm.
For some time I have received American Express bills that I paid online. Sporadically these bills attempted to scam me by showing the Current balance to be paid to be slightly less than the actual balance ( see attached PDF copies of XXXX bills and the deceptive payment screens for each ) in order to trick me into paying less than the actual balance, thus earning penalties ( described on each bill ). I attach XXXX instances showing the actual bills and the online payment forms that I received with the alleged Current Balances and the actual Current Balances shown. In the past I corrected the amount to be paid, but now that is no longer allowed, forcing me to underpay if I pay online. Therefore I will no longer pay online. I consider this scam on the part of AMEX to be fraudulent.
Identity Theft Victim : Sent Debt Collection Agency several copies of the police report ( Court papers ) I didn't generate this debt ... 



XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX ( XXXX ) XXXX
On XXXX XXXX, 2015 I made contact with Cardinal Financial Company LP Doing Business As as Sebonic Financial through the web site XXXX. I agreed to apply for a mortgage to refinance my personal residence. The mortgage terms were to be 30 year fixed at an interest rate of 3.375 %, origination fees of {$350.00} and a 30 day rate lock. After multiple delays on their part, on XXXX XXXX, 2015, two days prior to closing, they informed me that instead of paying origination fees of {$350.00} as originally stated in the Good Faith Estimate ( GFE ) dated XXXX XXXX, 2015, if I wanted the loan at the original terms I would have to pay origination fees of {$2700.00} as a rate lock extension charge. When I pointed out that the bulk of the delays were on their side and that on two occasions I was told by Sebonic/Cardinal representatives that if I was timely in my production of documents I would not have to pay for a rate lock extension, I was told by XXXX XXXX, XXXX XXXX XXXX, to take it or leave it. Given that rates had increased 84 % from the 3.375 % to around 4.0 % in the intervening 67 days and the XXXX is assumed to start raising rates in XXXX, I could do nothing but take it and pay the increase in fees.
My XX/XX/XXXX Total Student Loan debt in the amount of {$8500.00} owed to Sallie Mae, parent company on Navient, was discharged through Chapter XXXX Bankruptcy, In XX/XX/XXXX-XX/XX/XXXX Navient began to sending statements regarding this balance. They wanted me to begin making monthly payments. I did not believe I owed this debt since it was discharged in the bankruptcy, however I also did not believe I had any legal recourse or the funds to fight this in court, so I filed for forebearance and was approved in late XX/XX/XXXX. As of XX/XX/XXXX I am supposed ti begin repaying this debt.
My  Wife added me to her   XXXX   XXXX   card Issued by   XXXX   XXXX   last month. The card came in 3 weeks ago however I recently pulled my report and I was told that It would show up on report as an Authorized user However it has not. I was wondering if that was going to happen before months end (   XXXX   XXXX  . )
On approximately five occasion I have opened up billing disputes with Amex regarding a {$110.00} charge that was mistakenly applied to my account. The charge originates from XXXX and XXXX XXXX XXXX. I did not make the reservation. I did not stay at the hotel. I should not have been billed. Amex refuses to refund my money without explanation.
We have a XXXX mortgage on our home and it is a balloon loan that is due in 2017. We are attempting to pay an extra {$500.00} in addition to our monthly payments of {$120.00}. but our mortgage company Ocwen keeps applying a monthly fee to the {$500.00}. extra payment. I wrote " For Principal Only '' on the check and checked the box on the statement for principle only. Our statement shows that we are only paying {$370.00} on the principle and we are several months ahead in our monthly payments. They are trying to make it very hard to pay off the principle, Can you help us? 
Thank you, XXXX XXXX
There are a bunch of items that are past the statue of limitations listed, these items were disputed and still listed and a bunch of duplication 's. 
XXXX assistance XXXX total, XXXX XXXX XXXX total, XXXX accounts through XXXX XXXX. Please help as this agency is not complying
XX/XX/XXXX I attempted to payoff my student loan with Nelnet. I contacted them for a remittance address. I was given the wrong address and my remittance ended up with the Department of Education in XXXX. When this problem was discovered, I contacted Nelnet. I was told by the customer service people that my loan would be put in forbearance and not accrue interest as it would take some time for the refund from the Government. It was their mistake to give me the wrong address. The money was finally remitted and I again tried to payoff the loan in XX/XX/XXXX. Nelnet received the payoff on XXXX XXXX, XXXX. They are now claiming I owe more that {$1400.00} in interest, I do n't think I should have to pay interest because of their mistake. I did discuss this with several managers. The last one claimed I had been notified that the loan was still accruing interest. I have attached a listing of the correspondence from Nelnet. As you can see I was not notified of anything! I received my XXXX from the University XXXX XXXX.
XXXX has been non-compliant with removing the unverified accountUSA FUNDS which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that USA FUNDS was not established  by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
DEAR CFPB : This matter is in regards of a debt collector that uses several phone numbers to contact me. I explain the debt collector that i need the fallowing information : 1 ) verification of the debt. 2 ) tp provide me with names and adresses of the original creditor. 3 ) tp provide me with days, dates, bills, from the original creditor. 4 ) provide me with the policy number on my insurance card. Further more i explain and i spoke with the debt collector male who refused to give me his name. And I told Him : 1 ) DO NOT CALL ME ANY MORE. Its against State and Feral laws. DO NOT CALL. 2 ) DO NOT HARRAS ME ANY MORE.3 )  DO NOT THRETENING ME ANY MORE. Date collector wrote me a letter XX/XX/2018. Date i wrote the collector answering Him : XX/XX/2018. Thank you. Very Truly yours ...
XXXX sold this " alleged '' account to XXXX XXXX at XXXX XXXX XXXX XXXX, FL XXXX. I disputed this account and it was removed from one of my credit bureau. It is still on my XXXX report. I am requesting that this debt be removed from all credit bureau as no one has validated this debt and this debt has now been sold to another collection agency called, ERC ERC - Enhanced Recovery Corporation XXXX, Florida XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Toll Free : ( XXXX ) XXXX I do not have a relationship with this company and I am requesting that they remove this debt from all credit bureau.
On or around XX/XX/XXXX, I received an e-mail alert from Experian stating that XXXX XXXX reported my credit card account ( Account # XXXX ) as being delinquent or late for 30 days for the month of XXXX, which is inaccurate on account of the fact that I pay my the minimum amount due by the XXXX of each month ( the billing due date ) and I would normally get an e-mail reminder from XXXX XXXX stating that I have a new bill for my account prior to the XXXX. I immediately contacted Experian XXXX XXXX at XXXX on XX/XX/XXXX to dispute the incorrect status on my report from XXXX XXXX. On or around XX/XX/XXXX, I received an e-mail alert from Experian stating that my dispute results were ready ; however, I noticed that XXXX XXXX has not taken the proper steps to update my credit report and provide the correct status of my account from Late to Current. I then contacted the Credit Bureau Team at XXXX XXXX on XX/XX/XXXX at XXXX around XXXX XXXX and I was able to talk to two representatives on two separate occasions ( XXXX and XXXX ) who informed me that there was nothing that they could do regarding updating the status on my credit report despite the fact that I was informed by an XXXX XXXX Customer Service Representative on XX/XX/XXXX at  XXXX that I needed to contact the Credit Bureau Team to have my report updated. The XXXX XXXX Credit Bureau Team representatives I spoke to on XX/XX/XXXX referred me back to the Customer Service Department at XXXX so they could be able to assist me with updating my credit report. Around XXXX XXXX, on XX/XX/XXXX, I contacted the Customer Service Department at XXXX and spoke to XXXX or XXXX who told me that I needed to call the XXXX XXXX Credit Bureau Team to have the issue resolved despite my best efforts to explain that the Credit Bureau Team referred me to the Customer Service Department on two occasions. The bottom line is that I had been given the extensive runaround and no one from both departments could not resolve the issue. I have attached copies of my billing statements for XXXX, XXXX and XXXX and the billing statements clearly reflect that I pay my bill either before or on the due date, which is the XXXX of each month.
I bought product from a kiosk at the XXXX XXXX from a company Called " XXXX ''. They fraudulently did not disclose that all sales are final and tricked me into buying the product with no course of refund. I tried to dispute the transaction with Capital One and they denied my case and told me to work with the merchant. They promise fraudulent protection yet denied me when I needed it the most. If i could have resolved the issue with the merchant I would have. But the fact I couldnt want why Iook the option to dispute the charges
USAA credit card services ( -XXXX ) continue to send me statements for {$3000.00} plus dollars for merchandise that they own and are in possession of!! 
Besides being unethical, it is also illegal to bill me for something I do n't have or own!! 
USAA has been very unprofessional and refuses to acknowledge this issue. 
USAA has also been charging me interest on that {$3000.00} plus dollars and refuses to stop, they also owe me {$150.00} for shipping charges!