WillisBack/dataset-financial-user-claim huggingface dataset:
I have a Bank account with TD Bank and have been loyal to them for many yrs. Back in XX/XX/2018 I had opened a joint account for my wife and was offered a promotion cash card from TD where it would give XXXX cash back whether it be towards statements or rewards along with an XXXX XXXX XXXX. Promotion only applies if card is used at 500 or more within a 90 day window given the promo period. I had asked the rep during our sitdown if this would apply towards balance transfers as I had transferred a balance of 5000 over and she explained it would. After waiting a few months, I had called into TD customer service and explained i have not received my rewards and the rep on the phone explained there was a wait after the 90 days to receive the XXXX XXXX in the mail. I don't recall the specific detail as far as the time frame on the delivery but the there was a window period referenced during conversation. A few more months go by and still have not recevied any reward as promised and asked one of the tellers in the XXXX branch during a visit and explained it would have to be redeemed online. Being upset already, I went online to tdcardservices and did not see anywhere that I could redeem my reward and called in XX/XX/2018 and spoke to the card rewards dept. I explained the situation to the rep on the phone and she had apologized for the inconvience and explained she would speak to a manager in reference to the rewards promo. After a few moments, the same rep explained that the balance transfer does not apply towards the promotion and I would have to speak to the branch manager to help me in this situation. Being very upset at this point that the representative on the phone was unable to help me and giving me the run around and not offered the promotion as promised, I am very upset at this point and filed a complaint and to the point where I may close my account with TD bank account. I do not want to see someone lose a job over a situation like this but if you are providing false information intentionally and not being upfront honest simply for a commission spiff, then that is a company I would not like to do business with.
XX/XX/2018 : I deposited {$25.00} into my prepaid American Express card at XXXX. 
Later that evening I tried to use the card to purchase a gift for my son but the card was denied. 
I called the number on the back of my card and when I was finally able to speak to someone I was told that they put a hold on my card because they needed to make sure their was no fraudulent activity. 
This is not a new card. I have had this card for about 3 years. 
XX/XX/2018 : I called the card again and was placed on hold for about an hour and a half and when I spoke to the representative they told me that I could go ahead and use the card. 
I tried to make a purchase and it was denied. 
I called the card company again and was placed on hold for about an hour and when they came on the line they immediately hung up on me.
I had XXXX accounts with XXXX XXXX and XXXX of them was a paid in full charge off that happened back in XX/XX/XXXX. Today, I have a perfect credit but still have this charge-off showing so I did what any person would do and disputed the charges. Today, I logged in to check my credit before traveling to XXXX tomorrow to find a place just to see that of course the item was not deleted as it should had been be re-aged to having derogatory marks that supposedly happened in XX/XX/XXXX. After almost having a XXXX XXXX, I tried to call them but they do n't have a number for you to speak to someone unless you purchase a credit report. This is a joke right? The account # is XXXX
Equifax mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.
There are inaccurate hard inquiries on my credit report. A couple of the companies I am doing business with such as the finance company for my car, but the hard inquiry is reporting for the following year after I purchased my car. There are inquiries that are reporting with companies I 've never had any dealings with. I 've reached out to all  XXXX  major credit bureaus more th an 10 times  explaining the info is inaccurate.   XXXX   constantly states that there 's nothing they could do, and the other ones as well. This situation is inhibiting me from moving forward with my credit as well as attempting to purchase a new home. Besides the inquiries, I 've noticed a couple things in collections that have reappeared that was once removed and proved to not be correct.
To Whom It May Concern This is the third time I have requested the original contract and/or bill of sales, change of title of ownership. I have not received any thing that meets the standard of Section 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting. In addition if you cant obtain this info you are required to delete this information off, is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where the following companies are in compliance with OHIO LAW. The following account are still unverified : XXXX XXXX XXXX Balance {$750.00}, {$510.00}, XXXX XXXX XXXX # XXXX These account are in error. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. I have enclosed all of the accounts If you do not remove this items in a timely matter I will file a law suit under section 617 under the color of the law.
My ex wife asked me to sign a quit claim deed so she and her boyfriend could get my name off mortgage in which I sign the quick claim deed she then modified the mortgage on our joint property that we own together in order to remove my name from said property that was over XXXX years ago now I have not only my name on the property but an extra {$60000.00} in debt that I never signed any of this paperwork I did sign a quick claim deed being told that that starts the process of me getting my name off the property but I was not told in any way shape or form that I was going to be modifying the mortgage I never gave Nationstar my permission to do that I would have never signed any of those contracts I am taking my ex to court over 2 times they have all been found in contempt each time of violating the divorce decree but she does not have the credit nor the ability to refinance the property because now the property is owed {$160000.00} its value is only worth {$70000.00} I am remarried and this now cost me my financial ability because I am still in debt on that property with no way to be able to remove it please help me in this situation Nationstar Mortgage did wrong by doing this. There is no way for me to be able to sell the property I have tried to do that but she owes way too much. And what am I supposed to do for my children out on the street I do n't think that would work anyhow this is going to cost me my second marriage by this continuing on please email me or contact me by phone for any questions thank you XXXX
I remortgaged with roundpoint loan number XXXX just under 2 years ago. A couple of months back I rang them to ask about re-valuating my property. The women on the phone said to me that if I was at 78 % I could get my mortgage insurance removed. Knowing I was very close I decided to get a valuation on my house. The valuation came in at XXXX, which means 78 % means an amount outstanding of XXXX meant I could get my MI off. I owe around XXXX. Now supposedly they tell me that since my loan is seasoned less than 5 years it has to be at 75 % at loan to value ratio, before my Mi can come off. This figure was never mentioned to me when I spoke to the agent. The recorded conversation with roundpoint advisor where I repeatedly said will it come off if it is at 78 % the answer was yes.. This is also was their website says. Now they say I can not remove my MI eventhough I am under 78 %. I want them to pay for my valuation since their agent gave me the wrong information.I only got the valuation done knowing I was close to the 78 % mark. Also I have been told legally as soon as you are under 78 % the MI has to come off. I have not missed any payments. I did fill in their form and on it does say you have to be 75 %. However since I was not clear I rang their advisers to ask them who told me it should come off at 78 %. I told Roundpoint that the mortgage has been mis- sold to me and the information I was conveyed was also incorrect. I also asked them to listen to the recorded conversation I ahd with their adviser who informed me that it will come off at 78 %. I did not get a reply. The only reply I got was to say my MI could not be cancelled and did not mention anything about the conversation I had asked them to listen to. Please can you let me know if legally they can avoid my MI coming off eventhough I am under 78 %. Also are they not legally obliged to give me the correct information when I ring them. I would like my MI to come off.
I entered into a lease with BMW financial services four years ago. shortly after signing my lease I noticed the payment date was incorrect, I went back to the dealership and completed the form to change the payment from the XXXX to the XXXX of the month. Over the course of my lease I have had continue problems with the payment coming out on the wrong date. I have completed the change of date form a number of times, I have made phone call after phone call, where I am assured it has been corrected and will not happen again. There have also been a couple times where they will take more then one payment or not take a payment at all, where I will have to battle them to get it corrected. So after all this I have just found out that I have reports of slow payments on my credit bureau, because of the times that they have messed up. I have tried to resolve this with BMW financial however after trying for the past two weeks I have yet to actually speak with a supervisor or a manager to get to the bottom of this.
I applied for refinance with my existing lender Chase. They tricked me into paying {$500.00} deposit that they said will adjust at closing or will refund if denied the application request. Now they are saying they will not refund deposit not approve loan. I provided them all the papers in time. Since they had all the data as my current lender and knew that my rate will adjust to a much higher rate so they waited after 1 & 1/2 month kept asking me this and that papers and denied my loan day before my rate will adjust. Now I can't go to another lender in time without paying higher payment.They will also not refund my deposit ( {$500.00} ) that they tricked me into paying.Please help!

Lending consultant : XXXX XXXX | XXXX XXXX   Advisor | NMLS ID XXXX | XXXX XXXX | Chase | XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX| Office : XXXX XXXX XXXX XXXX | Fax : XXXX | XXXX | XXXX XXXX | Lending Manager | NMLS ID XXXX | XXXX  | Office : XXXX
I have notified Equifax twice that the inquiries that are on my credit report are fraudulent inquiries that were not authorized. I have sent several letters to Equifax by certified mail, yet the inaccurate information, remains on my credit report. These inquiries add a hardship and my rights were violated by Equifax. I ask that CFPB help me make Equifax stop victimize me.
XXXX sold my XXXX Bank loans in XXXX, 2018 to Navient. I am XXXX and XXXX years old. I already am paying XXXX & XXXX a month and XXXX {$45.00} a month. My S. S. I. payments are {$750.00}. I tried to get a forgiveness, but they sent the application to the Dept. of Education. I am currently still in school and I can not stop the program yet. I needed a payment plan that would help include the other private loans from XXXX Bank that were sold to Navient. They said because I am already making no interest payments on the private loans of {$68.00} a month I can not lower any more payments, and they want to start raising payments for XXXX Bank to a total of {$150.00} starting in XXXX, and then, going up from there. I have tried to get some kind of payment plan that I can afford for all the private loans like an income contingent plan. They have offered me nothing and I need help asap. Instead, after I sent all the doctors information and their application, they sent the information to the Department of Education for total loan forgiveness, but that does not stop the private loan payments. They are just trying to delay addressing my application to them by sending the application to the Department of Education. I am willing to make payments but they need to do an income-contingent plan and they are not observing the contract I signed with XXXX for XXXX Bank that forgives loans if you have a physicians statement, which I sent them, in fact, I sent them 2 statements and my S. S. I. income statement. In my condition at XXXX years old, what can I do?
Unfortunately what I have noticed is CFPB is VERY similiar to the reporting agencies in their methods of " limited options '' when attempting to remedy problem. Basically, giving the consumer options that generally DO NOT FIT many of the problems they are encountering ... ... what a tactic. Anyways ... ... received a document from Synchrony Bank regarding an account ( will submit document w/info. ). First ... ..this document is USELESS!!!! They wrote on their own document this phantom account was a " charge off in XX/XX/XXXX'' ... ..so ... ..how do they propose to investigate on an account THEY DOCUMENTED THEY CHARGED OFF in XX/XX/XXXX?????? THEY THEN DOCUMENTED THEY WERE PAID ... ... THIS YEAR ( NOT FROM ME, yet they continue to claim I did ) ... ..BUT YET CAN NOT SHOW DOCUMENTATION FOR IT???? NOW they have the nerve to send me a document to " investigate '' ... ..A MAKE BELIEVE CHARGE onXX/XX/XXXX for {$12.00}!!!!!!!! WOW ... ... SYNCHRONY BANK HAS JUST COMMITTED FRAUD!!!!!!! ... ... .they just sent a document on an account that does not exist ( they have no documents if anyone actually owned this alleged account even when I have demanded to have them sent to me ) ... ..and based on their letter to me, was a " charge off ''. So how is a " charge off '' from XX/XX/XXXX ( their own document states this ) magically reopened and used on XX/XX/XXXX. ONLY SYNCHRONY BANK CAN PERFORM THAT SCAM DIRECTLY!!!!!!! Under merchant ... it says " FRAUD SALE '' ... .WHAT????? This is sick!!!!!!!! Synchrony bank has committed fraud ... ..I never opened an account ... ..Who at Synchrony BAnk is telling their workers to open up accounts without consent???? Is this how Synchrony Bank obtained all their business ... ... opening up phantom accounts?????
In 2014 I pulled up my credit report to view it and seen there were XXXX addresses tied to my name and the were sending me debt collection bills. I immediately went to make a police report and stated that I had never lived in that city. I recieve harrassing calls from Pro Collect Inc., even after I have already sent in all my documentation showing proof that I never resided there.
I paid off one loan from them in XXXX for a total of {$950.00} on a {$350.00} loan. At the time, a Mr. XXXX XXXX told me the loan was paid in full. Last week he contacted me again saying I have another loan over due, also for a settlement of {$1000.00}, on a loan of {$350.00}. I believe that is too much money. I can not pay any where near that amount. I have emails from this company if needed. I don't know how to send emails to you from them.
I received a payment demand from " Mr. Cooper '' aka Nationstar. I contacted the company and explained to them a mistake had been made by the company. The major issue is I do not have a loan from them now, nor in the past. I further explained that I do not own the property they claim I own. They have ignored the mistake and continue to send certified and regular mailing to me and my wife demanding monies. I am not sure why they have not simply checked with County Auditor to verify the home ownership. In my opinion this appears to be a scam.
I have recently submitted a compliant about Specialized Loan Servicing purchasing insurance on my behalf ( illegal in New Jersey ) when they already had copies of my insurance dec pages ( both flood and hazard ). SLS responded to CFPB with a letter stating that the insurance they had purchased was cancelled and I would not be charged. I have just received a letter from SLS ( dated XXXX/XXXX/16 ) giving me notification that my escrow account was being charged for insurance that they already reported to CFPB that was cancelled. They had no right to purchase insurance on my behalf in the first place as they already had proof of insurance on file. So which is it? Is SLS charging my escrow account for insurance or did they cancel? I was told by the CFPB rep to file another complaint as the last compliant ( case # XXXX ) was supposedly resolved and obviously is not since SLS is still trying to charge my escrow account for the insurance.
XXXX turnedmy account over to XXXX. I settled my account with XXXX  for XXXX on XX/XX/2018.
I applied for a FHA mortgage loan with Bancorpsouth in XXXX, AL in XX/XX/XXXX. During the loan process my credit was pulled and I was questioned on one of my creditors ( XXXX XXXXXXXX XXXX XXXX ) and the Creditor was called by XXXX XXXX to gain further information. There was discrepancies on the part of the Creditor ( XXXX ).  I explained to the Loan Officer the discrepancies. I proceeded to contact the Creditor to get the incorrect information corrected. The Creditor did an investigation and during their investigation, they found that they had in fact provided the incorrect information. Bancorpsouth requested further information from the Creditor. The Creditor stated it would take them 10 days because they would have to do another investigation. The Loan Officer insisted I hindered the Creditor getting the information to them because I had contacted them to correct what they had wrong. Bankcorpsouth asked XXXX for a pay history before, during and after the bankruptcy. I had disclosed to Bancorpsouth that I had filed a Chapter XXXX bankruptcy and at the advice of my Attorney, I surrendered the home in the Chapter XXXX and the house sold in XX/XX/XXXX, the bankruptcy was filed in XXXX ; therefore, there would not have been a pay history during and after the bankruptcy. I was denied my loan and I am inclined to believe the true reason of my loan being denied was based on my race ( XXXX American ). On XX/XX/XXXX the Loan Officer put derogatory information into the HUD system about my denial before I had received a letter from Bancorpsouth informing me that my loan had been denied. I find it very ironic that she input the derogatory information into HUD only after another Loan Officer from a different Mortgage Company requested the information from her. Due to the derogatory information that was put into the HUD system, this prevented me from getting a mortgage loan with the new mortgage company. I personally think this was a vindictive act from the Bancorpsouth Loan Officer and the Underwriter. I did not receive my denial notification from Bancorpsouth until XX/XX/XXXX days after the derogatory information was put into HUD.
I ordered a pest removal service from terminix XX/XX/2015. The service I requested consisted of spraying the entire inside of the house, as well as removal of a beehive attached to the outside of the house. The problem is, the service was never provided. A representative of the company came and after seeing the beehive, he said he would be back later that evening, though he never returned. 
I called XXXX to find out what happened, and was told they saw it was not completed but would reschedule an appointment for the following weekend. i agreed, waited all day on the agreed upon day only to have nobody show up at all. I called the next day, and XXXX apologized for wasting my day waiting, and offered to schedule another date for their representative to come perform the services. They did n't show up to the rescheduled date either, nor did they show up for the next XXXX rescheduled appointments either. Each time I was apologized to but no explanation was given. After all of these missed appointments, and wasted time, I called another exterminator and he performed all of the services needed. 
i saw that XXXX charged my credit card and called to ask why they had done that if they never performed service. They apologized and assured me they would refund me and correct the error. they never did, so i called my credit card company and had the charge reversed. I started receiving bills from XXXX stating that i owed them a balance of {$270.00} ( for the service they never performed ). I again called them and was assured their mistake would be corrected and I should not worry. They never corrected the mistake, and instead sent it to a collection agency called NCI. After receiving the letter from XXXX claiming I owed a debt, I called XXXX and was told I would need to send them a letter in writing asking for proof of the debt, Which i did within thirty days of receiving their letter. Their proof was a work order from XXXX stating that they sprayed some chemicals outside the house, and in the area where I supposedly signed is a horizontal line. I was not there when they supposedly performed the service as I was receiving treatment for XXXX in XXXX. The signature is fraudulent. Besides that, the services I ordered were primarily for the interior of the house, which they clearly state was not done. ( I would not order the service of removal of a beehive for {$270.00}, which is a ridiculously high amount. My local exterminator quoted the same service for less than {$80.00}, and ended up performing the interior for a total of {$150.00} combined ). 
After receiving the alleged proof, I attempted many times to contact NCI by phone but was continuously hung up on by their phone system before being able to speak with anyone..
OBTAINED AUTO LOAN FOR A NEW XXXX THUR XXXX XXXX XXXX. PAYMENTS WERE MADE ON TIME. AN ATTEMPT TO REMOVE THE BANK ( TITLE FRAUD ) WAS TRIED AND FAILED. UNKNOWN OF ANY INFORMATION ON WHO WHAT WHERE. XXXX  XXXX XXXX CLOSED THE LOAN ON ME EVEN THO IT WAS IN GOOD STANDING AND IS NOW RUINING MY CREDIT. I AM NOT RESPONSIBLE FOR ANOTHER PERSONS ACTIONS AND SHOULD NOT BE LIABLE FOR THIS ACCOUNT SINCE I WAS LIVING UP TO MY END OF THE AGREEMENT. I VOLUNTARILY RELINQUISHED THE VEHICLE YET THE BANK IS STILL CHARGING ME FOR REPOSSESSION,
BEWARE OF SPEEDY CASH IN KANSAS! THEY ARE SCAMMER AND LIARS!! 

I have paid over {$2500.00} on a loan for {$990.00}. I was told this would be for six months at 30 % interest on two separate occasions. 

Today, I requested a stop payment to Speedy Cash for the ACH transaction. However, it is quite difficult since the payment amounts change each two weeks. 

I have paid {$250.00} a month since XXXX 2015 .... It has now been 10 months. 

I was scammed! Ripped Off! Lied to .... and so disappointing. They owe me at least {$800.00}.
this started about a month ago, when i first paid my credit card for {$100.00} for unknown reasons the payment was declined and i have to file a dispute with my bank before the i can get my money .again on the XXXX i made a payment of {$100.00} and i was notified by them that the payment return again i went to my bank and filed a dispute and until now i havent gotten the money on my account yet my due date is the XXXX th of the month and for now we are not on the XXXX of the month i just do n't know what is this.it look like is a scam credit card, also my credit report is not accurate i never filed a bankruptcy but i do n't know why credit report is showing like a filed one i want my report to be accurate.