WillisBack/dataset-financial-user-claim huggingface dataset:
I attempted several times to make a purchase for {$2500.00}. I had well more than what was needed to make the purchase available. The transaction was declined the first time. I called Wells Fargo and verified the last 10 transactions and confirmed my identity through various checks and was told I could now make the purchase.

I tried to make the purchase again and it was declined. I went through the same process as above and was told I can now make the purchase. This happend 4 times. Finally after being on hold for 25 mins, I was transferred to fraud protection.

Fraud Protection told me, after verifying my identity ( which included a question I accurately answered about a car I owned 25 years ago, what items I was purchasing and why ) that they could not remove the security hold and that I had to go to a branch to make this purchase. They said that I had no history with this merchant. That is patently false as I made a purchase with this merchant as recently as last month. Last month they removed the security setting so that I could make the tranx and then put it back on.

I 've gotten multiple hold on this account almost weekly even for purchases as small as {$50.00}. In this case they would n't remove the security settings. I called back again, verified my identity and was told I could make the purchase. In fact, the purchase still wo n't go through. At this point, I lost the sale, ie. the items are no longer available.

The bottom line, they refuse to let me spend my own money even after verifying my identity to their satisfaction according to their own criteria. I had this account for many years with no problems caused by me ( no over drafts, etc ) and they still have the tighest security on it.

Please help. 





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I have made several attempts with the company to get them to provide me specific information pertaining to an account they are saying I owe. I have contacted XXXX funding on several occasions requesting a copy of the agreement they have signed with the creditor that gives them the right to report the information on me XXXX XXXX as well as the agreement that I signed with the original creditor that bears the signature of XXXX XXXX. I have mailed the letters out to XXXX on several occasions via regular mail as well as certified mail. The comapny has failed to repond to my specific request for information yet they are still reporting information that is incorrect and not accurate on a debt that DOES NOT BELONG TO ME AT ALL. The company has not responded to my mailed request but has sent in response to my complaint # XXXX from XXXX in their compliance department but the response does not support this company complying with FDCPA guideline or FCRA guidelines. They simply sent me a copy of a statement from the original creditor. This statement is not PROOF of this debt being valid and I have demanded that the information be removed from my report immediately and the company has failed to adhere to the requests that I have made on numerous occasions
We are not nor have we ever been in debt. I have receive many, many, many, many, many, phone calls from GC Services at XXXX. This is harassment. I demand compensation right now!!!!!!!!!!!!!!!!!!!!!!!!!!!!! I can not take this any more. I want help right now. This should not happen to us. I want these people in jail right now!!!!!!!!!!!!!!!!! My wife and I have always been responsible and do not have any debt. I served for 21 years in the XXXX and XXXX XXXX. I or my family should not be treated this way. I want GC to pay for this harassment. If now help comes from this then I will truly know that doing the right thing and serving my country is a joke!!!!!!!!!!!!!!!!!!
I am disputing the item on my credit report XXXX XXXX   Account Number XXXX this account was never late, and also was paid by me, and XXXX XXXX XXXX  Company my insurance company the account should be paid, and closed. The car was totaled XX/XX/XXXX it was a bad accident, I had full insurance coverage and, Gap.

My insurance company Paid XXXX onXX/XX/XXXX I paid XXXX on XX/XX/XXXX I made payments since XX/XX/XXXX tell XX/XX/XXXX in the amount of XXXX thats a total with all payments made by me and, my Insurance company XXXX also I have gap through XXXX that included total loss plus XXXX XXXX  WARRANTY which I only got to use the XXXX  for nine months, and never used any warranty 's, as the car was totaled XX/XX/XXXX, I paid XXXX  for XXXX plus XXXX  for XXXX. Which was told by XXXX XXXX that will be applied to my balance.

The reporting of this should be paid and, closed with a XXXX   balance, and never late. Please correct this issue, I am requesting an investigation into the late payment in XX/XX/XXXX as, my bank sent them a Teller Check for way more than my monthly payments.
Wells Fargo Loan # XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXXWells Fargo does not have the staffing required, nor the competency, to bring a short sale to a successful close. 


We submitted closing documents to obtain HUD approval on Monday XX/XX/XXXX. On Tuesday morning at XXXX EST, the negotiator responded, requesting revisions to the HUD and additional documentations. These were sent to him ( same day ) at XXXX EST - these were ALSO sent to the additional email address of XXXXXXXXXXXX. We received an automatic response that the negotiator would be out of the office until XX/XX/XXXX. We ALSO received the following automatic response from the Liquidation Mailbox : -- -- -Original Message -- -- -From : XXXXXXXXXXXX [ XXXX : XXXXXXXXXXXX ] Sent : Tuesday, XX/XX/XXXX XXXXTo : XXXXXXXXXXXX : Auto ReplyThank you for your email. Your email has been received by the XXXX XXXX XXXX. Documents will be reviewed within 24 hours. Your Wells Fargo Closer will be contacting you with an approval or notification of required corrections. 

Our hours are XXXX to XXXX Monday to Friday eastern standard time. 

Loss Mitigation LiquidationWells Fargo Home Mortgage******Please note that in the response, Wells Fargo 's Liquidation Closing Department stated they would review the documents within 24 hours ... .. 


24 hours came and went and we placed a phone call to Wells Fargo on XX/XX/XXXX at XXXX We were told there was nothing we could do except leave a voicemail for the negotiator, which we did. We also emailed him requesting an update. 

We got nothing ... ... 

At XXXX we called again and were informed ( by an obvious newbie ) that management had been working on it ALL DAY and we would have a response soon. 

Still nothing ... .... 

At about XXXX we called again. The newbie did n't know what to do or how to handle our request to get an approval for closing. I had to tell him he needed to get a manager involved, which took about 20 minutes for him to do that. We did finally get ahold of someone in management. She was very informed and pleasant, but was not able to get ahold of anyone within Wells Fargo that could help us today. We found out through this phone call that no one in Wells Fargo had even looked at the file today -- which means XXXX of the newbies LIED to us. 

It is apparent that Wells Fargos policy is that if your negotiator is gone on vacation, nothing will be done your file. 

Wells Fargo place an auction date on this property and is refusing to allow the short sale to close, even though they have given an approval letter. Their 'word ' means nothing, even if its in writing. 


As a result, this file did not close today, nor can anyone at Wells Fargo give us any idea of when or if this will be able to close. 


Have I mentioned that this is a Federal - XXXX XXXX? 

In addition, we have already filed a CFPB complaint due to Wells Fargo 's incompetency regarding an Authorization - it took 3 months and a CFPB complaint for Wells Fargo to figure it out. I have attached a copy of that CFPB complaint to this complaint. 

This short sale was started XX/XX/XXXX ... and Oh and by the way - the seller has been DEAD this entire time ....
After receiving an advertisement in the mail for a 'TD XXXX XXXX ', I submitted an online application for an express loan through TD Bank in the amount of {$3000.00}. Their marketing scheme for this loan is 'access your funds in up to 48 hours '. I submitted the application on XXXX XXXX, and it is now XXXX XXXX, and I still do n't even have an update on where my loan application stands. I have called TD Bank 's customer care/financial advisors - numerous times. So far, I have heard the following excuses from their representatives regarding why they do n't yet even have an update : - " It can take 5 to 7 business days. '' ( This was on my first phone call & I reiterated that the advertisement stated 48 hours ) - " It should n't be taking this long, I will email my supervisor to get back to you. '' ( This was on my following call, and I never heard back from a supervisor ) - " You have an advisor, but he 's unavailable and the website just has n't been updated yet. '' ( This was on the next phone call & I still have n't been able to reach the contact they gave me. And to this day, the last time the website was updated was on the day I submitted the application. ) Finally, I called and stated that the only reason I applied for the loan with TD Bank was because they sent me the advertisement. It 's now been long past 48 hours, and I still do n't have an update. I informed the representative that I was actually relying on the funds and that I needed an update soon. If not, I was going to look elsewhere. She stated to me that they 've already pulled my credit, and that the loan would be approved or denied by the end of the business day yesterday. She also advised that if I did n't see an update, that I should just go ahead and cancel my application with them and go to another bank. 

At this point - I 'm not even going to call anymore. I am writing this complaint to inform the CFPB of TD Bank 's false advertisement, and marketing scheme.
XXXX overcharged my account which has since been closed in the estimated amount of {$250.00}, so I called my bank to dispute the overages and they stopped the withdrawal. I closed my account confirming a zero balance with XXXX on or about XXXX. XXXX then came back and claimed I owed them {$110.00} which has escalated in owing $ XXXX to date and continues to show up on my credit report over and over after my disputes pulling down my scores. I can provide the names of each debt collector if necessary ; however, my main concern is to stop the initial false accusation of debt by XXXX. I tried and failed to resolve this problem with XXXX spent countless hours on hold and being hung up on only to call back and request to speak to supervisors and was transferred to a Texas customer service office vice a supervisor after holding an additional 30 minutes. XXXX has pulled this tactic with others with whom I have talked to as a way to extort monies when one closes an account with them. As someone who is working very hard to improve my credit I am outraged by corporate tactics to BULLY consumers into paying monies they do not owe and wish to exhaust every means possible to ensure they do not succeed in extorting me any further.
I have sent a letter to them XXXX XXXX 2017 at XXXX XXXX and got nothing in return that is to Us Bank.. To have me please take me off of mitigation but got nothing in return from them but a bill for {$890.00} from them and they will only take the full amount that is all .They are the ones causeless all the pain they are going thought now. I have try to make a payment to them but they will only take the full amount in pay be cause of my low paying job at XXXX that ca n't be done this must end be for I miss one more payment to them..
My Identity was stolen. The person who stole my identity went to the ER in Georgia ( XXXX Hospital ) and got a {$220.00} bill that was not paid. I sent a copy of the police report. Collections is still reporting to the credit bureaus.
I am so desperate I hope you truly are able to help me with this matter that has gotten out of control. I have submitted numerous times a complete modification packet to Caliber and I do not get any help. They always use the wrong income in order to denied me. Caliber has schedule many times a sale date even though my file was under review. I am livid because recently I was denied on XXXX XXXX, 2016 and was advice by Caliber that if I wanted to reapply I can always submit a new packet due to my appeal being denied.Therefore, I submitted a complete packet on XXXX XXXX, 2016 to Caliber. But now Caliber refuses to put my sale date on hold for the reason that my packet was not summit 35 days before my sale date which is for XXXX XXXX, 2016. I explained many times to supervisors that how was I suppose to summit a modification application when my appeal was under review. Literally once my appeal was denied on XXXX XXXX, 2016 Caliber schedule a sale date for XXXX XXXX, 2016. This is not fair what Caliber is doing because I spoke with the foreclosing attorneys XXXX XXXX XXXX and they advice me that they will put my sale date on hold or suspended it but Caliber refuses to submit a request. At this point I am really fed up because Caliber refuses to help me and they just keep prolonging my foreclosure. I can not believe that they schedule a sale date less than 30 days and expected a complete packet 37 days before. Clearly I was set up for failure. They schedule the sale date less than 37 days like they request to postpone and review. This needs to stop and I need to be assisted.
On XXXX XXXX, 2017 I applied for a credit increase for my credit card with Capital One ending in XXXX. I was denied the credit increase with Capital One on the basis that they stated that my payment was returned. I fixed the problem immediately because I hold my credit to be a high priority. I then was told by the representative that I could apply for another card. I really did not want another credit card because the card ending in XXXX has a limit of {$2700.00}. I just wanted a {$300.00} increase. I then applied for the card and was approved for {$3000.00} the card ends in XXXX. 

I think that it is particularly strange that I just wanted a small increase from a card company whom I have had an account with for the past 7 years. I then have to apply for another card in which I am approved. My credit score goes down and I have more debt with the company. The combined total of both the cards are {$5700.00}. The interest rate is also higher than my first credit card which has an APR of 29.99 % I think that Capital One deliberately gave me the card in order for me to have more debt. This card is 10x more than what I asked for. I have a good payment history with Capital One and now I am responsible for more debt than I should have! I spoke with XXXX XXXX with the extension of XXXX only once. She said that should would call me back but she only emailed me once and called and left a message. Every time I tried to call her I received no answer!! Capital One states in their letter by XXXX XXXX that they reviewed my account and unfortunately, its not eligible for a lower APR or lower fees at this time. I really did not want the second card or burden. I feel I have been scammed by Capital One and they have not offered viable solutions to my dilemma!!!
This a XXXX XXXX loan for my daughter. She graduated in XX/XX/XXXX. Our loan is through Navient, The next payment is due on XX/XX/XXXX for {$800.00}. Navient tells me they can not lower my payment. I am trying to figure a way to make the payment more manageable. Do you have any ideas. 

XXXX XXXX Balance {$100000.00} XXXX XXXX  XXXX XXXX. 
XXXX, Pa XXXX Email : XXXX XXXX
This issue stems back fr XX/XX/XXXX to XX/XX/XXXX. I was under debt program with XXXX XXXX XXXX ( XXXX ) I have had consent ltrs fr several collection agengcy of $ XXXX bal with XXXX XXXX XXXX. Per XXXX, bal pd in full however, other past collections added new balance each time sold to another agency. I contacted, atty general office, state rep and Tlas.og for help. I have some brochures of what to do however, nothing has been resolved. I told United coll bureau on yesterday that I retired on XXXX in XX/XX/XXXX and have no funds to pay because their records are incorrect. I also requested an updated history of acct fr their office. The supervisor refused to speak to me, the agent was very persistent after an hour and half. I don ; 't have the money and I most definitely do n't owe it. Today I spoke to XXXX reps, XXXX and XXXX advising me to contact you for to file a complaint.
I 've disputed this debt with Senex Services and the credit bureaus but Senex continues to verify the debt as mine when in fact it is n't. I requested them to validate the date which they have yet to do and to report a debt that is being disputed before the completion of a thorough and fair investigation is a violation of the FDCPA and FCRA. 
Duly noted as I request assistance from the CFPB in helping me resolve this matter correctly and fairly
I opened checking account and Money market account with PNC bank in XXXX. According to the documents that I received then, there is no minimum balance requirement to maintain the checking account. I deposited {$290.00} on XX/XX/XXXX. On XX/XX/XXXX I deposited XXXX and paid online bill for XXXX in the amount of {$78.00}. In XXXX, I deposited XXXX. I have not received any paper statements pertaining to my checking accounts. In XXXX, I deposited {$1500.00} another deposit {$270.00}, balance in the account was XXXX. 
Just recently, I learned that the balance in the account is {$850.00} and that the PNC bank changed the balance requirement from XXXX to XXXX on XX/XX/XXXX ( significant change ) and changing it to a different account without my permission. I have not received any notification about this major change from the bank. PNC bank has been deducting {$25.00} per month due to insufficient funds according to the change in the balance requirement which I was not informed via any paper statement. 
Any financial institution has a Fiduciary responsibility with the consumer. 
I tried to resolve the issue with the PNC Bank in person and again this morning via telephone. The bank is giving me a run around and not taking any responsibility in resolving this issue, meanwhile they deducted another {$25.00} from my account this weekend after I started the inquiry.
Went through XXXX XXXX XXXX which made an agreement with XXXX XXXX XXXX in the amount of XXXX through the law office which was representing XXXX XXXX. Payment made for the first XXXX and then the second payment of XXXX was made on XXXX2016 over the phone to the law office from XXXX XXXX. I have the receipt with transaction number. I was not aware this was not cleared till 15 months later when I received a letter from XXXX XXXX telling me I was delinquent. I have spoken to many individuals at XXXX XXXX who keep telling me they are working on it and have not resolved receiving the payment from the law office. They keep telling me they are trying to resolve it but meanwhile this still is sitting on my credit report.
I received a permanent loan modification on XX/XX/2016 from Bayview Loan Servicing LLC. I made all the trial payments according to the requirements and signed a new loan contract with Bayview which detailed all the financial requirements of the new loan. All financials were provided and detailed and made available. I have been making on going on-time payments since that time. However, I recently received a statement requiring me to pay {$390.00} for a " Rec. Corp. Advance. '' I inquired about this fee and the agent said it was a bill that was due prior to the loan modification. Why was this not included, then, in my loan and made known to me then? I do not believe this bill is valid.
My name is XXXX XXXX XXXX. I attempted to create an account with " Credit Karma '', ( creditkarma.com ), using my email account in order to obtain my credit score ( s ). 
But I was unable to do this because My email is still registered to my mother who passed away in 2016. ( I held a 'Durable power of attorney ' on her behest until her death ). 
( This is a serious issue, because it directly affects my ability to obtain and monitor my credit activity ) Credit Karma 's Help section does NOT provide any way to correct this. Further, Credit Karma has failed to provide a 'contact number ' anywhere on their website for issues such as this. 
Having 3 degrees in computer sciences, I was able to obtain one single phone number for their XXXX XXXX office through some of their filings with sec.gov. ( Securities and Exchange Commission ), But that number appears to connect to their 'Loan department ' I placed a call to that number and it went straight to 'voice mail '. Having no other option, I briefly described my situation in the voice mail, but have yet to have heard back from them.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Acct # XXXX Ditech Loan Servicing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Fax # XXXX XXXX I faxed and have proof of submission to have PMI removed from my loan and they continue to stall and refuse my request. I called multiple times and have been getting the run around they are purposely preventing me from requesting this PMI removal so they can make more money charging hundreds of dollars more for unnecessary PMI for the housing market in XXXX, XXXX my assessed value far exceeds the requirement. Today I XXXX XXXX, 2016 I will attempt a XXXX time to send a CERTIFIED letter even though i have proof and confirmation my fax was received by them on XXXX XXXX, 2016.
I am wanting to make sure that this debt is being reported accurately on my credit report. On XXXX/XXXX/16, I sent a 2nd request for validation of debt via traceable mail. The letter was received on XXXX/XXXX/16. On XXXX/XXXX/16 a dispute letter was sent to XXXX to challenge the validity of the debt and make sure it was reporting 100 % accurate. 

On XXXX/XXXX/16 Enhanced Recovery Corp responded to the XXXX dispute with a statement " Verifying '' the account and it 's correct and accurate reporting. 

The Fair Debt Collection Practices Act clearly states that collection agencies MUST cease all collection activities until they provide validation of debt, once a consumer request is received. 
By them verifying the debt with Equifax without validating the debt, they violated the FDCPA. 

Furthermore, Enhanced Recovery Corp failed to report the item as " in dispute '' with XXXX..which is another violation of the FDCPA.
I started with XXXX XXXX from XXXX XXXX who pre-approved me for a VA loan after he ran my credit and took all my information including my income, etc. and said he could do a VA loan for me up {$160000.00}. This was in XXXX of 2018. On XX/XX/2018, I found a brand new home for myself and my family and I signed a contract. We were to close on the home XX/XX/2018. Mr. XXXX assured us this loan would go through and everything was on track but as the days passed there was little to no contact from him.I began to get more and more weary of him especially when I was getting paperwork from Carrington Mortgage. It had looked liked he brought it another mortgage company without me being aware of this. I still was not able to get in touch with him nor was my realtor or the title company.But I was signing all paperwork that I was sent and giving all the necessary information needed to proceed with the loan. Then when I finally did hear from Mr. XXXX, he told me that the loan was to be postponed to XX/XX/18 because he had not ordered the VA appraisal yet. Our realtor, the builder, the title ; company was all waiting for Mr. XXXX to order the appraisal and give final approval of out loan so that the final closing date of XX/XX/2018 could be set and then the call came in to our realtor NOT to us that our loan was in fact denied. NO explanation was ever given to anyone especially us and we were never called, never sent a letter or anything!! Never use XXXX XXXX or Carrington Mortgate. EVER. Now weeks before XXXX my family was all packed up with no home to go to.