WillisBack/dataset-financial-user-claim huggingface dataset:
A hotel held funds on my debit card, but removed the hold on Tuesday, XXXX. The bank still showed the hold on the account as of XXXX, and did not provide an easy way to remove the hold from the account. The only way they would remove was with a conference call with the hotel. I called the bank through their app, which was the only contact method provided, and an option for a third party call was not available. When I told the rep this, she said she also could n't do a third party call and could n't assist me. She gave no other way to resolve the issue. This is the second or third time USAA has put the burden of resolving their errors on me.
American express platinum Credit card services. 
I attempted to use my Member rewards points ( XXXX ) to purchase gift cards totaling the amount of {$1000.00} on XXXX/XXXX/16. Account was frozen and told to call into CS. The agent explained that my account had been flagged for review. I told her that it was a time sensitive purchase. The American Express Agent then advised me to make the purchase of {$1000.00} using my credit card, and that when my MR points were unfrozen, they could be used to pay the balance. I did as advised by the Amex employee. I attempted to call in about my points over the next month with no help. Finally a letter stating that my points had be retracted due to a prior similar card being opened. I called into CS and explained that i was told the previous card was different and i would receive a bonus on the new card due to it being a different category. I also stated that i had been misled by AMEX into making a large purchase to which i would be reimbursed for. Currently I 'm still with no help and i feel like amex has committed fraud and mislead me.
I am clearly a victim of retaliation except my credit report is taking the hit. I made a flow up report to XXXX XXXX about the XXXX dealer that sold me a car 2012. The bankruptcy court and attorney advised I had to return the car because the court did not approve. The dealership lied. The car was returned a few months later in 2012. After filing a complaint on XXXX and XXXX and Experian. Experian allowed a company called XXXX XXXX in XXXX Texas to list this as a new collection item which drop my score XXXX points. At what point to I have a regulatory advocate that stands up for my rights. I am victmiized over and over. I can only think it is all tied to my complaints on the ther major companies.
I recently ordered my credit report form Equifax and i noticed some inquiries that i did not authorize. Such as XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. I 'm not aware of any these inquiries that has shown on my report.It 's cause significant damage to my credit report. I 've reached out to Equifax multiple times and stated that these inquiries does n't belong to me. I asked them to delete these inquires immediately. I 've put out fraud alerts reports in XXXX and XXXX because of situations like this.Someone stole my identity multiple times and opened false accounts under my name that I had to file a police report for. These inquires should be removed immediately since it 's against federal law ( Fair Credit Reporting Act-15 USC 1681n ( a ) ( 1 ) ( B ) to report false information on my credit report.
To whom it my concern : My name is XXXX XXXX, I have a Loan with WellsFargo, Loan # XXXX and I have a complain the way WellsFargois handling my situation and the way how they have been treating me. 2 years ago I was in XXXX I went for a long divorce process and my employer reduce my working hours due to slow economy in that time I was also fighting my child visitations rights, I had to paid a lot of money to attorney and to the court. I started to get behind with my mortgage payment and I asked WellsFargo for help asking for a Loan Modification program or any other relief available. It is very hard to deal with wellsFargo because they are always sending me to different departments with the manager of the manager of the manager etc. they request the same information many times, I have been sending this information by XXXX many times once they have the information that they requested from me, they asked me again to faxed and a week later the call me to request another information that it was send on the package. I have been doing this over and over and over for the past two years. I have sent all the paper they requested and after I sent all the information they require something else like another paper, another document that has been already sent or a new document. There is no help from XXXX XXXX XXXX, I am frustrated and stress and I feel WellsFargo is not taking my situation seriously and also feel they are laughing in my face. I believe this actual Government Administration gave relief money to the banks and to WellsFargo to help people like me in this Crisis. I am very stress every day because I do not want to lose my home my kids live there. I 'm wondering if WellsFargo does n't want to help me because my name is XXXX XXXX and I am XXXX I feel discriminated by WellsFargo. 

XXXX published on XXXX/XXXX/2013 " WellsFargo former employees : We were told to lie '' the article is based on employees of WellsFargo routinely denied qualified borrowers a chance to modify their loans to more affordable terms and paid cash bonuses to bank staffers for pushing homeowners into foreclosure. 

I think somebody is expecting a bonus if the push me into foreclosure. This is not fair for me and my familyThank youSincerelyXXXX XXXX
Sallie Mae has continuously called our phone number and we are a XXXX. The person they are trying to reach CAN NOT be reached through this number. Sallie Mae 's representative is aware of this, yet she continues to call and harass employees who are not involved in this situation.
I rented a car in XXXX on XXXX XXXX, 2018. My total payments for the vehicle was {$630.00}, I gave a deposit for the vehicle with my second American Express card of {$250.00}, and then the {$630.00} with the silver card of American Express which I paid in full of the amount of {$630.00}, being this is a prepaid card and the monies there have to be deposit then used. Well, I called A. E. to  get my deposit from card # XXXX back for {$250.00}, being they are no pending charges from enterprise and AE tells me I have to wait 30 days for my monies that are a prepaid deposit for the vehicle I am cleared of with XXXX. 
I had an Agent from XXXX name XXXX, speak to a supervisor and representative there at AE and they still want to hold my monies 30 days without any sympathy if I have other bills or not or if this is just amount I deposit into my prepaid card ... These monies are mine and it should be returned not in 30 days, but in 3 days is acceptable ... I want to get my monies now. I had also called them telling them I needed {$50.00} of my money until it clears for medication and they said no. This is not their money it is mine and I want it back soi can close both accounts the XXXX one and the XXXX ...
PDM continues to harass us over a bill we paid on time over two years ago! 
They have gone as far as to call our relatives trying to collect. 
We already checked with the entity ( XXXX ) six months ago and they checked their records as well, saying we do n't owe. They also told us they never contracted PDM to collect this dept ... so why is PDM involved? How did they get this information? 
XXXX OF THE XXXX EARTH!!!
As far back as XXXX I was the victim of scammers on line. But in XX/XX/XXXX I found out that I had been the victim of Identity theft as well. 

I immediately contacted Bank of America ( I called and talked to a woman named XXXX ) and was told that I should contact the Federal Trade Commission, which I did. I filed a report with the FTC and mailed the letters they provided to all 3 of the major credit reporting agencies and Bank of America. I  also put a 90 credit block on my social security number and name since all of my personal information had been compromised by the scammers. I waited to hear back from Bank of America and the credit reporting agencies but didn't receive any responses until XX/XX/XXXX. 

I received a summons to two different court cases, even though both credit cards that had been compromised were with the same bank. I am being sued, by Bank of America, in Civil Court and I guess small claims court for all of the amounts on my credit cards, despite the fact that I disputed the portions that I believe the scammers and the identity theft were responsible for and can not afford legal representation due to being a XXXX veteran on limited income. I receive XXXX and a small stipend from the Veterans Administration as income. 

At almost the exact same time my son, who lives with me, was involved in a near fatal car accident by falling asleep while driving home from college ( he had earned his tuition through the XXXX  program to attend XXXX  University ) but when I tried to explain to Bank of America that I would be unable to pay even my portion of the bills I had legitimately accrued they never responded to my hand written letters and the only response I have ever received was the summons.
I currently have a Menards card through Capitol One. They are constantly charging me 24.99 % APR interest. They say this is supposed to be variable compared to the national average. How could I ever have a chance at paying this account off at that rate?
This is my second complaint regarding an issue with Bank of America. I was not able to log in to check the complaint status or add more information. My 1st complaint # was XXXX As stated in that complaint it looks as though my doubts regarding BOA 's veracity were confirmed. After not receiving my new credit card and my refund in the timeframe promised by XXXX in the fraud dept. @ XXXX I made a second call to the same dept. and spoke XXXX on XX/XX/2015 She looked up my claim and said that it had been withdrawn. I asked by who and she could not tell me, only stated that it was an oversight and she would correct it. I am livid that a BOA agent supposedly working on customers concerns would intentionally mislead and lie to those customers. XXXX took all of my information which took putting me on holds for a total of XXXX minutes, assured me my credit for a fraudulent charge would be credited to my account within 24 hrs and a new card would be in my hands within XXXX hrs. It looks as though the minute she hung up she intentionally and with malice withdrew the entire transaction. After speaking with XXXX who assured me of the same timeframes I DID receive my new credit card but have NOT received my promised credit. Can the CFPB help me before I have to pay a lawyer to file suit against BOA, which I should not have to do. At this point I am looking at BOA as if they are furthering the fraud that put me in this position to begin with.
Equifax, XXXX XXXX, XXXX credit reports. Are wrong. Address and accounts I never opened. I know accounts. I am a victim of identity theft. Accounts open by someone posing as me. These accounts are not mine. XXXX XXXX XXXX, XXXX amount of XXXX. XXXX XXXX XXXX XXXX amount of XXXX. XXXX XXXX XXXX XXXX   XXXX amount of XXXX. Joint account with a person I dont know never lived in Florida till XX/XX/2017!! 2 accounts from the same company first fraud account XXXX XXXX XXXX amount of XXXX. 2nd fraud account XXXX XXXX XXXX amount of XXXX. XXXX XXXX XXXX XXXX amount of XXXX. These accounts I never opened someone posed as me to open these accounts! This is identity theft fraud fake!! Not mine!!
I have been XXXX since 2009 and I have tried to refinance with XXXX. The only option offered was to extend the repayment out to XXXX years. Being in a bind that I was behind XXXX months those payments would be rolled over. Within the last few days, Quicken Loans ran an ad I responded and was turned. Reason my Fico Score was XXXX and was told that a score of XXXX was needed. 

Am not sure what other options are available. 

Thank you. 
XXXX XXXX ( XXXX ) XXXX
XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX Consumer Financial Protection Bureau - CFPB Subject : Loss of home due to non-response from Ocwen Loan Servicing, LLC Reference Ocwen Loan XXXX CFPB : In the last quarter of XXXX, a contract for the short sale of our single family residence at XXXX XXXX XXXX, XXXX, NY was arranged for by XXXX XXXX of XXXX XXXX XXXX XXXX ( XXXX XXXX ) and the Law Offices of XXXX XXXX XXXX, XXXX. ( XXXX XXXX XXXX, XXXX XXXX, NY XXXX ). 
Our home for thirty years, Ocwen Loan Servicing, LLC, had purchased the mortgage in XXXX, which disturbingly, followed approximately one year after our previous encounter with Ocwen in XXXX, XXXX. There, we had cosigned a mortgage for the home of my sister-in-law, XXXX XXXX. XXXX defaulted and skipped from the property, leaving my wife and I holding her debt. Ocwen bought that mortgage. 
With the XXXX property devalued, we ultimately arranged for a short sale. Ocwen denied our plea for help. The sale failed and the house went to tax auction. Our once excellent credit was destroyed. 
It would seem that, in our weakened financial position, Ocwen has targeted us for fleecing. 
Today, we again face foreclosure. My wifes career as a XXXX XXXX took her from XXXX XXXX to XXXX. The ever enlarging Ocwen monthly fees and usurious charges stretched us to the breaking point. Due to continuing bad credit stemming from our XXXX fiasco, we were unable to qualify for an affordable mortgage. 
While we were current with our monthly payments in XXXX XXXX, we attempted a short sale for our overvalued home. This was with XXXX XXXX in XXXX. Again, Ocwen refused to work with us. 
Then, my wife suffered broken bones due to a fall and a subsequent hospital stay revealed her XXXX. Unable to work, XXXX accepted Social Security XXXX retirement. Similarly, I took an early Social Security benefit in order to be with her. On a fixed income, we moved from XXXX XXXX to more affordable XXXX. Consequently, we stopped our monthly mortgage payments. 
Then, XXXX XXXX of XXXX XXXX arranged for a short sale which was only {$10000.00} below assessed value. Approval of this by Ocwen would begin to heal our credit. Although we have no equity in the home and would receive no monetary return, after many years of high fees, Ocwen would still walk away with a profit. 
Having complied with all Ocwen applications forms, we awaited Ocwen short sale approval. And waited, until finally, the 90 day contract period expired at new year. Our would be buyer walked away. 
Our pleas for help from Ocwen failed to spark any sympathy in XXXX and today Ocwen remains true to form. 
As our lawyer and our realtor bargained with one part of Ocwen, another Ocwen branch would alternately threaten foreclosure, offer faux sympathy with impersonal letters advising we seek council or offer to restore our contract in exchange for a huge sum of money we did not have. 
Our realtor and we have since parted company, resigned to Ocwens indifference. 
We foresee no benefit from this complaint, other than urge you to confront Ocwen in the hope of sparing others our pain. 
Sincerely, XXXX and XXXX XXXX
On XXXX/XXXX/16 I wrote check # XXXX ( Bank of America ) from XXXX XXXX XXXX, XXXX in the amount of {$730.00} to XXXX XXXX. I discovered on about XXXX/XXXX/16 that XXXX XXXX " put a XXXX '' in front of the XXXX on the numerical portion XXXX the check and cashed the check. The teller " failed '' to read the check and see that the hand written portion of the check stated XXXX XXXX XXXX XXXX dollars. The check was chased for {$1700.00}. I went to Bank of America branch in XXXX, AZ to ask fora {$1000.00} credit for " teller '' error. The local B of A person told me that they could do nothing and that I had to file a police report and then call their Fraud department and that due to the Teller error B of A would credit back the {$1000.00}. I filed the Police report - XXXX case # XXXX ; and then called the Fraud line for B of A ( XXXX ) I spoke with XXXX and was told that since the check read XXXX XXXX XXXX XXXX my account would be credited with {$1000.00} within 24 hours. Two days later my account had not been credited so I called to find out when it would be credited. 
I was told by the Fraud line representative that since the check was " cashed '' and not deposited that B of A would not credit my account the {$1000.00} and that it was my problem to collect the {$1000.00} from the recipient. I asked to speak with a supervisor or decision maker and was told there was no one who could help me or change this decision. 
I am asking fora credit back to my account for the fraudulent {$1000.00} that the teller failed to identify.
I opened an account through XXXX XXXX XXXX with Synchrony Bank.  I have been paying them through XXXX bill pay. On XX/XX/19, I had my monthly payment drafted out of my account and they're saying they never received it, added a late fee and have since reported it to the credit reporting agencies. I have given them all the information they're needing and they're still calling me about it.
During the sub-prime lending crises, I refinance my mortgage which added XXXX to a XXXX mortgage. I paid XXXX approximately {$170000.00} over 15 yrs. They sold my mortgage to another mortgage servicing company ( XXXX ) in XX/XX/XXXX who then collected over XXXX. XXXX then sold my mortgage to another mortgage co., who are now set to collect another XXXX under an ARM set to balloon in a couple of years with a maturity date in XX/XX/XXXX. How is it that I'm paying 5x the value of my home?
XXXX / XXXX /   17  - Called several members of my organization 's management team on their personal cell phones giving them his name, company and asking to speak to me or a member of my legal representation.     This led to multiple calls and emails to my HR department whi ch may result in my termination. He led them to believe that I was in serious legal trouble and needed legal rep resentation.
The following ALLEGATIONS of inquiries is NOT reporting COMPLIANTLY due to one of the following reasons : The claim ( s ) are DEFICIENT of VERIFIABLE PHYSICAL PURPOSE from the EXACTLY IDENTIFIED ME or from any entity PROVEN to have the AUTHORITY to grant such PERMISSIBLE PURPOSE OR THE ACCUSATION is UNTRUE INCORRECT INCOMPLETE UNTIMELY NOT PROVEN MINE NOT PROVEN of MY RESPONSIBILITY or else wise DEFICIENT of Metro 2 compliance in LAWFUL REPORTING. That said it is clear you have NO OPTIONS other than the COMPLETE and IMMEDIATE ANNULMENT by full DELETION/REMOVAL of any and all such physically UNCERTIFICATED information regardless if true or not. PROOF OF COMPLIANCE is NOT VOLUNTARY mandate but rather a REQUISITE for you or ANY ENTITY to RETAIN much less REPORT. Return to federally required compliance and accurate reporting TODAY even RIGHT NOW! 
1. XXXX XXXX 2XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX/XXXX/XXXX 4. XXXX XXXX XXXX. XXXX 6. XXXX XXXX. XXXX XXXX 8. XXXX XXXX 9. XXXX XXXX XXXX/XXXX/XXXX 10. XXXX XXXX. XXXX
XXXX is having direct deposit problems, they blame Netspend and I can not access my money and Im having a big problem with my mortgage payments. XXXX or Netspend did not give any heads up on this problem
I have contacted XXXX XXXX XXXX regarding accounts XXXX IN THE AMOUNT OF {$140.00} dated XX/XX/2018 thru certified mail asking to verify that I owe their company any funds and for what. Ive also ask for anything bearing my signature that validates I have obligations to pay them or have had any business dealings with them. Yet they have failed to validate according to law. This collection company is damaging my credit file and cant provide legal proof. I have not had any dealing with Allied Interstate or whom they represent. I am also a victim of identity theft and this account is a direct result of identity theft as i have never ever done any business with them. Not only that I have never heard from Allied before they inserted this account into my file. I was never give my right to dispute and ask for validation. Please remove this account from my credit file.
I spoke with a collection company called XXXX XXXX XXXX XXXX XXXX XXXX in regards to an old account that was under my ex wife, we came to a settlement to avoid damage on my credit, My credit card company blocked transaction as fraud charge. 
Collection company called me yesterday during works hours i asked to please call me after work which they do not did. Today after the first phone call during work hours i told Capital group to call me at better time a representive from this company started threated me bad with abusive language saying that im hiding to not paid this charges that im a fraud person, saying that i better take care this balance, i ended up hangup the phone. 
He decided to call me at least 10 times after i was clear that i cant talk during work hours. 
This could cost my job and i dont feel comfortable with a company like this having my private information and constantly harrasement over the phone.
Who is monitoring how they decide on our credit rating? I do not understand how I can get denied for numerous car loans because of hard credit checks ( per equifax agent ) which where from the car loan inquiries. How can they be allowed to destroy a persons credit without being regulated. My boyfriend has a better credit rating and he filed bankruptcy a few years ago and all I have is XXXX medical bills that I am paying on in collections and I have a credit account in excellent standing. How does that make me a risk for a car loan? Seems to me the credit industry is in there pocket. Maybe they intentionally give us low scores so the credit industry can hike our interest percentage. The worse your credit the higher they can hike your percentage. See attached credit report from XXXX and tell me how I am a risk for a car loan?
I have reported the collection to the cfpb which found company did not respond correctly and information was sent to the FTC..the account was off all the bureaus but after months is on Equifax..I called the collection agency who understood it had been incorrectly reported too long over the 7 year limit and put in for removal from Equifax..it after weeks will not come off ... he went back in and checked that he did remove it ..he has now put in for removal twice ..this is XXXX XXXX XXXX ga XXXX..He suggested I call equifax and see what is going on. , I did and the company can not help..I stated its been pulled by the collection agency but they just say dispute the item again which I 've done many many times..To be such an important influence on a person financially Equifax should have decent customer service and not outsourced overseas to people who can not answer neccesary questions..So as of right now I still have a collection on my report that 's been reported on since 2007 which the collection agency has removed but Equifax will not.
My name is XXXX and I'm writing you about an entry listed on my credit report. Apparently someone with as similar name to mine filed bankruptcy in XXXX, NJ bankruptcy court and it appeared on my credit report. I decided to contact the bankruptcy court and they informed me that they don't provide anyone with debtor's full social security number and they don't provide any credit reporting act to report erroneous information. As you know it a a violation of fair credit reporting Act. And I'm requesting to have it removed immediately.
The company Ability Recovery Services , LLC picked up an old bill of mine with XXXX University one that I had already discussed with XXXX University as inaccurate. They then reported it on my credit report which was inaccurate and aged out due to fair credit reporting act. I sent an email to Ability Recovery Services notifying them of this matter and requested a validation letter of this account and I didn't hear back from them. I made them aware that this was affecting my credit and got no response.