WillisBack/dataset-financial-user-claim huggingface dataset:
My debit card was lost or stolen on the XXXX of XXXX 2016 and I immediately called the bank. They continued to forward my call to three different people when I finally talked with their security department. The woman named XXXX immediately started questioning me about the name on the check that I had deposited not even 24 hours before. Finally after all of her questions she told me that a withdraw was made at an ATM for {$800.00} and asked if that was me, no and I replied what do you mean I did not even deposit the check 24 hours ago, how could it clear so fast? Then she started making comments about this being a common scam. She said she was going to restrict the account and to wait 2 to 3 days for a determination after investigating. When I finally got to speak I told her " THE REASON I CALLED IS DUE TO MY DEBIT CARD MISSING ''. That is all she said and when I got off the phone I immediately sent a written statement to them regarding what had happened. I got the e-mail and told me to click on a link to see the message, but because of the account being restricted I could'nt get past the sign in screen. I also received several phone calls from them from different people, but when trying to connect back I could not talk with the same person. Today I received a letter from them again and it states that " we finished looking into your dispute and did n't find any errors ''? I did not know that I filed a dispute? Today is XXXX XXXX, and I called them to report the stolen or lost card on the XXXX, no one ever treated this as an un-authorized withdraw from my account and no one ever told me what was going on and I could get any information through trying to look at my account because of the restriction they placed. They are being very rude and unprofessional and I have never been so humiliated in my life! I thought that my debit card was protected by EFT Transfer Act, and Regulation E. I am still in the XXXX.
I was reviewing my credit information with all 3 services and noted that Experian, XXXX and XXXX  are reporting a judgment on my credit report. The judgment was satisfied 3 years ago ( via a payment plan ), and is no longer accurate. I called the County Recorder of deeds in my county ( XXXX County, NY ) and they stated per the NYS Department of Taxation that they do not report tax liens or the status to Credit Reporting Agencies. I then consulted the NYS taxation website and verified that the NYS goverment does not report tax liens/warrants to Credit Reporting Agencies. On X/XX/17 I called Experian, XXXX and XXXX to dispute that a current tax lien satisfaction is being reported by the NYS Taxation or XXXX county recorder of deeds. XXXX, Experian and XXXX contended the information was accurate. I additionally, informed XXXX that the information from their specific report states that the records are furnished by XXXX XXXX. I informed them this information was inaccurate as I do not reside in the county of XXXX XXXX. I have attached the NYS Taxation document stating they do not report tax warrants/liens/judgments to credit agencies and inaccurate information can be disputed.
My husband and I received a letter on  XXXX   XXXX ,   XXXX   from our mortgage com pan  y ( Wells Fargo Home Mortgage ) that ou r account was marked delinquent several times over the time of  XXXX  for our mortgage account and for our home equity line of credit accounts. The months that were in error were  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX , and  XXXX . This also means that it may have affected months before or after those reportings as well. We own our own business and this has affected our livelihood tremendously!!! We have called time after time and written letters over the years trying to find out why o ur credit score was   dropping and could not get an explination. After several years we finally get a letter f rom Wells Fargo Home Mort gage stating that they were in error. We have to have credit in order to keep our business going and to be able to have inventory, banking approvals for customers, and floor plan for our products as well. This has held us back from being able to make our business grow and prosper in the way it should have been able to and has affected not only our business, employees, and customers, but our own family as well. We have not been able to get loans for business and personal accuonts that we have needed. This in NOT acceptable and we have tried to reach out to many different contacts and credit bureau 's ... ... ...  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ,  XXXX   XXXX   ,   XXXX   XXXX   XXXX   , Wells Fargo Home  Mortgage etc. Please help us get this corrected and taken care of so that we can finally be able to run our business the way it should be and so that we are not punished when trying to get loans for business or personal use in the future.
XXXX/XXXX/XXXX I have a prepaid XXXX gift card, marketed by US Bank, with a {$200.00} credit balance. Today I tried to use the card to purchase an airline ticket for {$180.00}. The transaction was denied. I contacted Cardholder Services at XXXX XXXX XXXX XXXX and spoke to a supervisor, XXXX XXXX who told me that airline ticket purchases have an automatic withholding function that requires a 20 % " overage '' for gratuity. I told her that I was purchasing a ticket for exactly {$180.00} and that there would be no gratuity on the account and asked if she would be able to approve the transaction. She told me that it is bank policy to withhold the 20 % overage for any services ( haircuts, restaurants, airlines and cruises. ), and said that she would not be able to approve the transaction. I then inquired what could be done to get the purchase completed, and she suggested that I call the airline and ask if they would be willing to reduce the price of the ticket by 20 % -- laughable. I asked her to provide me with the documentation of the US Bank airline ticket gratuity policy, because the pamphlet that came with the gift card makes no mention of it. She said that she was unable to do so, but that I could write to Cardholder Services at XXXX XXXX XXXX XXXX, FL XXXX and they would be able to provide me with the information. Since the card is administered by US Bank, I asked if I could take the card into a US Bank branch and simply get cash for the balance and was told that I can not do that either. The problems are : 1 ) I have {$200.00} on a card that I would like to use {$180.00} to purchase an airline ticket. 2 ) I have until XXXX XX/XX/XXXX to get the purchase finalized. 3 ) Even if they are able to furnish me with the policy, I am still without the ability to have access to my money, and US Bank has refused to allow the purchase to be approved. 4 ) Never in my life have I paid gratuity on the purchase of an airline ticket, nor do I know of anyone who has paid gratuity to purchase an airline ticket. In fact, I looked up " Can I pay gratuity for an airline ticket? '' on XXXX and was not able to find a single item about it. Lots of info about cruises, motor transportation, and tour guides, but no gratuity on airline tickets. Interesting.
XXXX XXXX is showing up multiple accounts in the same month.ive contact the company and they refused to send me proof with identity and signature from me.the account 's do not belong to me
Ocwen Loan Servicing put a {$500.00} charge on my monthly payment for : XXXX XXXX XXXX XXXX XXXX. They said this is for vacant properties. This property is not vacant, the house is owner occupied and currently occupied. The house is not in foreclosure. They can not explain why they charged this fee. No inspection was made, and Ocwen states there was no reason for any such inspection to be made, yet the fee remains.
I have written Transunion for help but to no avail. XXXX XXXX # XXXX is showing in the payment history as a recurring chargeoff/collection. This is inaccurate, it was a repossession.
" The Work Number '' provided inaccurate information to an potential employer. I called to report this and they used that same wrong information to attempt to verify my identity. Since I did not know the correct wrong answer, they did not do anything. By refusing to conduct any investigation, they violated the Fair Credit Reporting Act.
I have been contacted multiple times by a collection agency that goes by Commonwealth Financial. They are trying to collect on a medical debt that is a result of identity theft. The hospital has different addresses on file that I 've never lived. I 've contacted them they said to contact the collection agency then proceeded to give me the wrong information. I 've sent a request for removal from y report over to this company. Nothing has happened, and I feel very vulnerable because they wo n't remove it and they must be paying the credit bureaus to keep on no matter what happens.
Equifax refuses to follow through with a dispute regarding a XXXX year old account that has n't had any new reporting on since XX/XX/XXXX. When I told them that even the Equifax website says regarding Fair Credit Reporting that " Negative accounts that are 7yrs old ( or bankruptcies older than 10yrs old ) are to be removed. '' Equifax argued with me that the 7yrs begins with the 1st negative remark. No where does it say that, it says when the account reaches 7yrs old. In XXXX I asked for the account to be removed citing the same rule, and it was. However, when the company reporting the account updated the reporting 2 months later it was reinstated.
I opened a Macy 's credit card once, did not get their bill. They threaten me for debt collection. On the phone, I gave them my bank account number, paid for the late fee and everything. At the same time, I requested to cancel my credit card with them. I am still getting another bill from them to pay them another {$2.00}. Even though I am not their customer anymore.
XXXX had technical issues and was send the request for payments for items I 've not received to Google wallet. I contacted google and the rep took XXXX of them off, and was unable to remove the rest, so I was told to contact my credit card to have the rest removed. So I did. XXXX then suspended my account and told me to verify my Id before they would open it back up. I sent all required documents and they did not open it back up.Visa asked them to verify what was charged and they sent XXXX documents, and it was agreed that those charges were legit and was put back on.. Now Google today after my second call ( The first XXXX was very ignorant. ) Told me now all charges that they can not verify must be back on before they will reopen my account XX/XX/2016-XX/XX/2016.. Now why should I pay for something that I did n't receive.
my student loan is still showing on my credit report as adverse credit even though it has been forgiving due to me being a XXXX XXXX XXXX veteran. Navient and XXXX student loans showing as adverse credit due to late payments which I should never have been billed for in the first place. I am asking that those to companies completely remove there adverse reporting from my credit reports to help improve my credit
My soon to be ex-wife forged promotional checks in XXXX against my Bank of America credit card for her own personal gains without my consent or authorization. I immediately reported the incident to local authorities in XXXX, CT XXXX # XXXX. She was arrested on XXXX after several months of an investigation involving several other credit cards and checks forged in my name. A warrant was issued for her arrest on XXXX and she was charged with third-degree larceny ( four counts ), forth degree larceny ( three counts ), fifth-degree larceny ( five counts ), sixth-degree larceny ( two counts ) and second-degree forgery ( nine counts ). Her family posted her bond for {$25000.00}. Her judicial case is docket number XXXX. 

Charges include 4 promotional checks forged on these dates and for the corresponding amounts ; 1 ) On XX/XX/XXXX check forged for {$2000.00}, on XX/XX/XXXX check forged {$500.00} ; on XX/XX/XXXX check forged for {$1000.00} and ; on XX/XX/XXXX check forged for {$1000.00} USD. In aggregate, a total of {$5600.00} ( including transaction fees ) was charged against my account. Charges were removed from my account in XX/XX/XXXX under fraud claim # XXXX but then reapplied to my account in XX/XX/XXXX before the local authorities took action. I've provided all this legal information to the credit card company and I call almost daily to remove the charges I did not authorize ; especially since the arrest. I've sent information multiple times to XXXX  XXXX XXXX through the required fax numbers provided, but I get no feedback because no one in their organization will contact me via email to help resolve. I continue to make minimal payments not to ruin my credit history and sadly I've been a devoted patron to XXXX  XXXX XXXX for over 20 years. They are not responding to reason and I need to continuously explain the scenario and circumstances to a new individual every time I call, even though they claim that each call is recorded and the customer service or fraud representative I speak to claims to allegedly be taking copious notes and actions toward resolution.
I worked with XXXX County Courts to save my home from foreclosure, last year we came to an 5 year agreement, we had XXXX trial payments, then we started a 5 year modification, starting XXXX/XXXX/2015. During the proceedings the mortgage company was made aware of past due taxes still owed on our property, we received a notice of a sale for the taxes back on XXXX/XXXX/2015. The mortgage company paid the taxes due, this year they sent me a notice increasing the amount owed each month by {$500.00} per month, which is for past due and 2 years future payments. I am in a modification and can not handle the extra amount. When I notified the mortgage company, I was advised to file a modification, which I can not because it will cause the court order to be voided. We are paying our mortgage bill monthly and can pay the current escrow amount, but the past due as well as 2 years future payment as a loan payment is something they are aware that we can not afford. My current finances have not changed much, should they do I have no problem sending them extra money.
I was under contract for a house that had credits from the seller and credits from my realtor in order to cover closing costs for the house. The broker told me verbally on XX/XX/18 that those would cover closing costs ( see attached text from broker asking me to call him ) and I would only be responsible for the down payment. My realtor told me closing costs would be higher than the broker was telling me, but I trusted the broker when he told me that the credits I received would cover the costs. As stated, I confirmed this verbally PRIOR to signing the final contract for the house. Unfortunately, this was inaccurate information and when I realized one week before closing that I was lied to, I could not do anything about it or I would not be able to close on my house the next week. I was put in a bad situation that I had to pay additional, unexpected closing costs. The broker nor Caliber would work with me further- nor did the broker respond to my final emails.
I submitted my endorsed XXXX insurance check, via Priority Mail, on XX/XX/XXXX, for a XX/XX/XXXX follow-up damage claim from a XXXX insurance company required contractor 's failing work. The amount of the check was over $ 20k and the check and documents were submitted in accordance with HomePoint Financial 's ( mortgage company ) instructions. My endorsed check and documents were received by HomePoint on XX/XX/XXXX. 

However, all the documents needed by HomePoint 's Loss Draft department weren't communicated to me all at once, which further delayed the lengthy processing of issuing a check to my contractor to start extensive repair work. I made numerous attempts in the coming weeks to follow up, via phone ( they wouldn't respond to my secure emails within their website ), on the status of the check being sent to the contractor before I got all the information needed to submit the many pieces of documentation they required to issue a check for less than both the contractor and I requested. The funds were urgently needed to allow my contractor to order materials and schedule me for an extensive repair. 

Every time I talk to HomePoint Financial, they go through a mechanical checklist with me and treat me like a number they don't care about. Worse than that, their story changes every time I talk to them on the phone. Nobody owns the case or follows through with anything in a timely manner to keep the ball rolling. Last Thursday, the contractor and I had started reaching the end our rope and I requested the Loss Draft department send the check to the contractor by the end of the day. They claimed they would pass the message along to their processor. In reality, the check wasn't sent until Monday, XX/XX/XXXX via untraceable regular mail, which runs contrary to their own guidance to homeowners. So, despite my numerous attempts to follow up and speed up the process so I wouldn't get pushed further down on my contractor 's schedule due to his growing workload, they sent a fully endorsed check to the contractor via regular mail ( I sent it to them with my signature via Priority Mail with tracking per their instructions ). Now the check is missing and they advised me to send it via XXXX or XXXX, I would have to pay for it. 

The contractor informed me this morning that he can not hold his current opening ( I've already slipped once due to delays caused by HomePoint ) for me if they don't receive the check today. Although I requested half of the check amount per my contractor 's business policy, HomePoint will only send XXXX and mandates imposing a monitored and inspected process to meter out the next two payments of XXXX each. HomePoint will not issue the remaining funds unless they inspect the contractor 's work 2 more times. So, I have to miss work and make arrangements for the " inspector '' from HomePoint to come to my home.
On  XXXX   XXXX  I received a reply from Chase Bank in regards to my complaint. They stated they would not correct or take further action towards my account. However, they stated as a form of a accommodation they will request from credit reporters to delete lines. I want to request that  Chase  does not delete my positive history and indicate that the account was paid in full and is in good standing, closed. If deleted, I want it to be indicated that I am had made all payments and it was a positive debt or report of accounts. I do not want it to be deleted as poor standing etc.See previous complaints.
Re : # XXXX US BankI received a lengthy " meaningless '' response dated XX/XX/XXXX by mail from US Bank from XXXX XXXX, Customer Care Specialist, that " did not address the real issue. '' They provided nothing other than what is already known by myself and hence, the reason for my complaint. 

XXXX paragraph, XXXX line states : " The available balance reflects funds that are available in your account for your use and is used to determine if an overdraft occurred on your account. " The " issue and problem '' is and has been they did not reflect any negative balances before I withdrew funds and ONLY added excessive fees after two to three days after withdrawal therefore creating a cascading effect on my account. This exact issue occurred after I closed XXXX checking/savings account at XXXX branch XXXX XXXX XXXX and opened a new account at the XXXX XXXX branch. It is US Bank 's computing system and the lack of US Bank 's attention to detail and dates of transactions that have created a financial hardship I am still attempting to recover from and will not recover from until XX/XX/XXXX 

I also filed a complaint against the XXXX XXXX branch 's manager after her rude demeanor and her lack with the English language in addressing the very same issue I have found myself confronted with. I have since closed my account with the XXXX XXXX branch and will have no further affiliation with the US Bank XXXX. 

In hindsight - I should have been with XXXX XXXX where I have had a checking/savings account where I never had this issue even when I used overdraft protection over the past ten years with XXXX XXXX ; never.
I have called customer service trying to get a matter resolved. I have made 4 calls. The first call I was on line 45+ minutes and got someone and they transferred me. I waited for at least 20 minutes and did n't hear from anyone and hungup. Next, I called back. Another 45+ minutes to get matter resolved. No answer. Called again and about 40-50 minutes I got someone. They apparently were over worked and as they were not good to work with at the time. I am on the phone again today, I received someone on the phone in 33 minutes. They put me on hold again and I have been another 25 minutes and still no one back on the line. This is such a poorly run credit service. Please find out what the heck is going on. 
A very disappointed Customer. 
XXXX XXXX
I have been working with the XXXX XXXX regarding options to save my home for the last few months. I have provided all the information they requested and am being told there is nothing that can be offered to me. I have never been assigned a point of contact and when calling I am always getting different answers from the representatives there. I am facing a foreclosure sale date and they are treating me as though I have no options and are proceeding with the foreclosure. I feel my rights have been violated and that I am one of the the many other homeowners who are facing this exact predicament. The people who can help me save my home are in fact not trying to help me at all.
Bank purchased my mortgage from XXXX XXXX in XX/XX/XXXX. On the XX/XX/XXXX mortgage, they attached an " other fees '' quantity of about {$15.00} to the charge. I called and they told me that they were charging me for a " property inspection '' that they had to undertake as part of their purchase. When I protested, they told me that I had signed original paperwork allowing for the unlimited sale of the loan. I responded that I had not signed anything accepting costs incurred by the company purchasing the loan during the course of their purchase. They then removed the charge but told me I was no longer eligible for any further " charge forgiveness '' associated with this account. The small amount of money relative to the loan, and the lack of any notice to me that they were doing the " inspection, '' as well as the opaque labeling of the charge on my statement as " other fees '' clearly identifies this as a common theft of money from home owners technique by this bank.
I CONTACTED YOU REGARDING AN INQUIRY INTO MY CREDIT FILE BY XXXX PER MY CREDIT REPORT WITH XXXX. THE REPORT STATED THAT IT IS REGARDING XXXX THE FILE NUMBER WHICH YOU ORIGINALLY ASSIGNED TO ME WAS XXXX FOR THIS CASE. YOU NEEDED MORE INFORMATION AS TO THE COMPANY 'S NAME. THE SAME DAY THAT I CONTACTED YOU TO RE-CHECK INTO THIS CASE, UNFORTUNATELY, WAS THE SAME DAY THAT THE FILE WAS CLOSED- WITHOUT THIS BEING RESOLVED. AS I STATED IN MY ORIGINAL COMPLAINT, I HAVE NOT APPLIED FOR ANY CREDIT CARDS FROM ANYONE IN 10-PLUS YEARS. I WAS ONLY ABLE TO FIND OUT INFORMATION ABOUT THIS COMPANY BY VISITING A WEBSITE CALLED XXXX. THIS SEEMS TO BE THE FRAUDULENT WAY THIS COMPANY OPERATES- PULLING PEOPLE 'S CREDIT REPORTS WITHOUT THEIR PERMISSION. I DO NOT HAVE ANY OTHER INFORMATION ABOUT THIS COMPANY. THE NAME FOR THEM AS LISTED ON MY CREDIT REPORT IS XXXX. THEIR PHONE NUMBER IS ( XXXX ) XXXX. I FOUND THIS INFORMATION OUT ABOUT THEM VIA THE WEBSITE XXXX
I had deposited my tax check from refunds plus in my chase account they restricted my account so that i couldnt use my money out of the account even when the check had cleared. I got a letter from the fraud department saying they was going to close my account after 10 days if they can not verify the funds is have jump through all the hoop they asked my to do to the t and they still will not release my money after giving them all the information and all the steps they asked me to do. i have since been evicted and have been living in an hotel me and my XXXX kids this started on the XXXX/XXXX/16 it is now XXXX/XXXX/16.