WillisBack/dataset-financial-user-claim huggingface dataset:
Wells Fargo is in violation of CA Real Estate Laws, acting in bad faith and in violation of CAHBOR laws and anti dual tracking laws. Wells Fargo must be investigated immediately as this is a very serious violation of ethical guidelines that lenders and servicers must adhere to. At issue specifically is borrower 's request to do a short sale which Wells Fargo has had for months now. As you will see from the attached docs Wells Fargo countered this particular buyer to a certain purchase price. Once Wells Fargo made a counter Wells Fargo was in a legal contract negotiation per CA law. Per their guidelines Wells Fargo demanded a certain amount of monies for the purchase price of the property at which time the buyer accepted. Once the buyer accepted per CA law Wells Fargo was in a legally binding contract to sell the property to this buyer. Instead of immediately issuing their approval letter Wells Fargo illegally set a foreclosure sale date which is against anti dual tracking laws when a file is under foreclosure prevention and then they further acted maliciously and with malcontent when they sat on the short sale request so as to approach a foreclosure sale date. After many, many escalations Wells Fargo finally came back and said the offer was denied and removed from short sale. This illegal activity is to be hereby CEASE and DESISTED IMMEDIATELY. Wells Fargo is IMMEDIATELY REMOVE their foreclosure sale date due to their gross negligence and willful disregard of CA law. Wells Fargo must immediately fully disclose any all issues they have with the current offer and that may not include the offer amount and parties to the offer as this information was already made aware to Wells Fargo prior to the counter Wells Fargo issued.
This collection is on my credit report. Never used or heard of the issuing bank before, never received any contact from the collection agency, yet this has been on my credit report since XX/XX/XXXX it appears. I would think that if this was legit I would have gotten calls or letter in the mail within the last 8 months, but not a single call or letter.
Receivable s Perfor  mance refu ses to remove a debt that has been paid off since  XXXX   XXXX ,  2012 . The original debt was with  XXXX  who, once paid, removed the entry from my credit within 90 days as they said they would. This company though says that they do not and will not remove this entry from my credit even though it 's adversely effecting my credit in a paid status. When you call they put you on silent holds or just let the phone ring. They treat you, even when you have paid the debt, as though you belong in debtor 's prison and you are wasting their precious time.
Dear Support Representative, I just discovered this online and i don't know anything about this debt. I didn't receive any notification about this debt. I would appreciate if you can help me remove the derogatory mark as it affects my credit history. Sincerely, XXXX XXXX
XXXX Bank has added a duplicate Credit Account that was either previously recorded or previously removed from my Credit Report. This is according to XXXX 's records. Per the attached screenshot, XXXX added this duplicate record on XXXX XXXX, 2016. I would like the record removed. 

Thank You.
I was contacted by phone by XXXX XXXX XXXX XXXX XXXX flXXXX ph XXXX agent young park stateing he had a purchase agreement for XXXX timeshare for total aqition price of {$22000.00} plus 5 weeks use pass which he sold for {$7100.00}. Total {$30000.00} would be deposiited in my checking acct when we wire {$2600.00} for transfer to young park XXXXwhen the money didnt show in the acct i tryed to contact young park and got only voicemail and no responce this title co is owned by XXXX XXXX ph XXXX the purchase agreement was for XXXX & XXXX Ph XXXX
Citibank issued me a credit card that I did n't request and I have never had a banking relationship with Citibank or Citigroup. They said they purchased my information from XXXX. I have only had a credit card with XXXX through Costco. I have not been a Costco member since XX/XX/2015 at which time my association with XXXX ended.
The company, Portfolio Recovery Associates, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$460.00} with XXXX, XXXX and XXXX credit reporting agencies. I requested verification on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXXand XX/XX/XXXX of the debt and the account however the business failed to provide adequate proof ( contract, signature, etc.. ) regarding the alleged debt. Considering this business does not have a contract with me for goods or services and was unable to provide a signature or contract from me, I am not obligated to pay for the alleged debt. I have also filed a complaint with the BBB regarding this collection agency and its policy and again they have failed to provide proof or even acknowledge the debt in any substantial way, which has left this matter once again unresolved. This specific account is affecting my credit history with its unsubstantiated inaccuracies.
I have written, called Flagstar Bank , FSB regarding my status as a XXXX veteran and its refusal after multiple contacts by myself to stop escrowing property taxes that my city/state has granted me an exemption from. 

Our local tax authority here in XXXX XXXX meets several times per year to review documents received from the XXXX veteran proving his or her qualification for this benefit. Apparently in early 2018 I either missed a submission of this proof or it was lost somewhere before reaching the board. It has since been approved. 

I am including copies of documents received from XXXX XXXX indicating I am exempt from these taxes and they should stop escrowing for them. The improper escrowing of property tax I do not owe is costing me approximately {$350.00} more PER MONTH, I would like them to return my house payments to the amount we budgeted for when we signed the documents for the mortgage which was {$1000.00}. 

I provided documentation to Flagstar Bank on XX/XX/2018 as requested to enable them to do a new escrow analysis, and I have not received one as of yet. The last escrow analysis was run on XX/XX/2018 2018
Was recently denied a credit card due to having delinquency/bankruptcy in my credit report. This has never happened to me. I went online to try and get my credit report and all questions to verify my identity at Equifax were entirely wrong- referencing mortgages I never had, paymants I 've never done, retail cards I 've never owned and more. It never accepted " None of the above '' for any of these. I reached out to Equifax, faxing them my drivers license and change of address form, to tell them that 1 ) I 've never been bankrupt, and 2 ) Every question they have on me is entirely wrong. I 've not heard back from them since.
While I was trying to make a booking on XXXX ( XXXX XXXX Website ), I saw an advertisement for American Express Delta Gold card with XXXX, XXXX miles on spending XXXX $ within three months and {$150.00} statement credit offer for making a purchase on XXXX XXXX within 3 months. 

I went through the application process, entered all my details and got approved. Later when I checked with the American Express customer service they told me that I am not eligible for XXXX, XXXX miles promotion since I had this card in XX/XX/2015. As per them, this was buried in the fine prints somewhere during the application process. 

I called this a switch-and-bait tactic since after I entered my personal details, American Express already decided that I am not eligible for the promotion why not warn me before I finish the account opening. I strongly believe that CFPB should punish American Express for such switch-and-bait tactics and force them to show the actual promotion terms before the account setup is finished.
In XXXX into XXXX preapprpved through local mortgage company for cha for XXXX w 3.5 %  down asked by amerisave to upload deppaoys XXXX numerous contract all reuploaded within 24 hours.  On day of close XX/XX/XXXX amerisave decided to tell title company that loan was n't going through after cousins accou t through XXXX XXXX was dinged for wire live transfers. Had to move because buyer need weekend to redo kitchen living bathroom and need money for down payment of new house and to pay off his loan. Letter of homeless caused by amerisave and then they co rates me in XXXX and wonder about why I did n't close yet. Resigned papers 5 times have emails and proof. Rate locked at 3.5 to close showed 3 %
I am a victim of identity theft. The following XXXX XXXX XXXX  XXXX credit card account : XXXX thats listed on my XXXX, XXXX and Trans Union credit report, is a fraudulent and unauthorized account. The account is not mine. I never applied for a credit card account with XXXX XXXX XXXX.
I went  to   XXXX   XXXX   aka   XXXX   i n   XXXX   XXXX   XXXX    . I had a  XXXX . He recommended   XXXX     XXXX   XXXX   XXXX  . I then agreed to take sedation. While under sedation he and his assistant had me sign paperwork. I awoke to   XXXX   XXXX   XXXX   aka  XXXX , that were beautiful and I had paid over   XXXX   for less than  XXXX  yrs ago GONE!!! In their place was some form of plastic tooth covering I was told was to be temporary crowns until he made new crowns???? I had a toothache. I did not need new crowns. I rushed out of dentist crying. Came home and immediately called  Syncrony Bank aka Care Cr edit whom   XXXX   XXXX   assistance, if not  the   XXXX    himself  said I signed my name to a form AND had me sign my current domestic partners name for almost   XXXX   XXXX   dollars. My partners company stood behind him. The   XXXX   XXXX  . And  Syncrony tol d me they would stand behind me immediately and NOT disburse any monies  to    XXXX   XXXX  .   I found out very quickly that this was NOT the case! They not only did n't stand behind me, they took the word of the   XXXX   assistant whom was not even in the room with me, that I am aware of. As I had never seen her prior to my concerns about getting reimbursed. I have both before and after pictures. I had to go to another   XXXX   and pay another  XXXX  JUST to get some of it straightened. It has now been a year. I am at yet ANOTHER  XXXX  whom was aghast as he had done the original work. I am now being asked to pay  XXXX  JUST for the   XXXX   XXXX   had RUINED ... that is not to include the additional  XXXX  for the gums that he devasted when he  XXXX  over  XXXX  of my   XXXX   XXXX   for the sole   XXXX   XXXX   I originally went to him for. I was in extreme pain and he was a walk away is the only reason I went there originally. I have ALL the paper work AND pictures. Care Credit has RUINED my  credit score. I W AS  XXXX  ... I am currently  XXXX , and declining ... ALL over ONLY this care credit . Syncrony o wns SEVERAL other CC that I hold and have NEVER paid late, but they have diminished my credit limit on the other cards also for NO reason. As my other CC have ALL increased due to my payment history. They along with  the   XXXX   have mad e my life miserable. So miserable I have contemplated bankruptcy ... .or??? I have a PERFECT payment history with MANY accounts currently open. I am UNABLE to get further funding to FIX my mouth  that    XXXX   XXXX   demolished. IF you look @  XXXX , you will SEE I am not alone. I want to file a law suit and am going to contact the other ( what appears to be ALL women ) he has done this to. He would not allow my partner in the room with me whom is a man. There is just so much shady and I am aghast that MY CC company would not stand behind me. I have NEVER been through such an ordeal I need someone to please pay attention to this tragedy and assist me to assist myself, as well as perhaps a few other woman who have been harmed by this " so-called ''  XXXX  XXXX . I appreciate in advance any attention and time given to this matter. Thank you   XXXX   XXXX   XXXX
No response on complaint investigation for XXXX after 2 years. I ordered ScoreWatch from XXXX ( Equifax ) and Equifax is still reporting inaccurate information. Original complaint regarding XXXX XXXX XXXX reporting inaccurate amounts ( showing full amount due after XXXX was issued ) and inaccurate dates ( recent lates after charge off, after XXXX issues ) is documented in report XXXX. 

Additionally, it is now reporting several recent late payment dated after the XXXX was issued when I disputed in XX/XX/XXXX. Since the account is closed at charge-off, there is no late payment after XX/XX/XXXX. I have been denied tens of thousands in potential credit for " recent derogatory remarks '' on items that are six years old. 

It is well past 60 days for CFPB to investigate -- it has been over 2 years -- and nothing has happened. All other credit reporting agencies have changed the amount to XXXX per XXXX/IRS guidelines. Repeat requests to change this information has been ignored.
I have reviewed my Credit report and found an account unrecognized items from your office G C SERVICES. I do n't remember doing any business or having having a contract for services with your company. Please forward me proof of contract or my signature etc.
In XX/XX/XXXX I tool out a payday loan with Check n go, some time has passed and I was making bi weekly payments fell on hard times and was not able to make the payment, the last time check n go attempted to collect a payment was XX/XX/XXXX which was returned. On XX/XX/XXXX Check n go out out of the blue without contacting me or giving them authorization took XXXX out of my bank account making it negative and resulting in overdraft fees from my bank. How can they skip XX/XX/XXXX and not attempt but on a random thurs ( XX/XX/XXXX ) not even a fri as scheduled randomly attempt without even contacting me? I am well aware of the consequences of defaulting on my loan XXXX credit hit, lawsuit ) but if they had not received payment in over 2 months how legally can they just try a random day to withdraw the money? I believe this is illegal and should be looked into!
I wrote all XXXX credit bureaus as I found misinformation on my reports. Equifax is the only one that did not respond. I wrote them XXXX.Considering the other XXXX bureaus deleted XXXX errors tells me Equifax has errors too. I sent them all the same ID copies as spelled out on their web sites. Equifax CHOSE to ignore me
The financial mortgage company who is handling my mortgage has taken XXXX extra monthly payments out of my bank account XXXX in one week. The other was a XXXX amount of the mortgage payment the same day. Neither were authorized. They are only authorized to take XXXX payment monthly. I called & notified them & they told me that it was a mistake & it would be taken care of in 10 days. This has happened XXXX & no course of action has been taken on the mortgage company 's end.
Since XXXX XXXX I have been on phone with rush card. They told me they needed a merchant release form, then they told me it would take 1-3 hours. Then they told me 24-48 hours, then they told me 7 days now 10 days. Today is the XXXX day. XXXX XXXX and they have not released a pending transaction. This was money deducted from my available balance. My own money. XXXX on a pending transaction. I have been a customer with them since 2008, my direct deposit is linked to this card and now they will not talk to me.
Well back in XX/XX/2015 I was working a full time job at a XXXX XXXX XXXX. I wanted to make extra money on the side so I did a job/project with someone that needed help so after I did the job/project he compensated me very well. So I went go deposit the check and it turns out it bounce. So I went to go talk to him but he was leaving and I didnt get to talk to him again. By this I was reported to suspected fraud activity. I recently found out after I try to apply again at a bank. I just want to clean all of this and I didnt know it was a bad check. I was XXXX at the time and it was a honest mistake by me and my knowledge towards banking was very minimal. I just want to get this off my record because I have a kid and I just want to start my life right. Thank you for your time
Someone walked into a Chase bank branch, impersonated me and withdrew {$2000.00} from one of my accounts without an ATM card or PIN. Chase froze my account ( I 'm told it will be frozen for 30 days and that I may be reimbursed ) and is restricting access to my funds for that period as well.
I bank with Navy Federal Credit Union. My concerns are the EFAA ( Expidited funds availability act ) mandated by the Federal Reserve System. NFCU trick there members into thinking there getting direct deposit early. This is not the case. This has been an ongoing issue. They have changed policies without giving customers any knowledge. At the end of the day there practices are paying interest from customers checks every month. Its stealing and its wrong. Its more than what im explaing. I have the right to choose who I want to bank with. There purposely not giving out valueable information to keep their customer base. Please contact me for further details in this matter. It needs to be address so people wo n't lose money.
In XXXX I applied for and received a GE Money Bank Credit Card with the understanding that I would start payment in 6 months but billing started immediately. I tried unsuccessfully to change the terms with GE Money Bank based on what I felt was a BAIT & SWITCH Scheme. GE Money Bank did not agree but they stopped billing me. The item was placed in collections and has since been on my credit report. AT THAT TIME I WAS UNAWARE THAT IT COULD HAVE BEEN DISPUTED. I eventually disputed it in XXXX and was informed that it would be in XX/XX/XXXX but GE Money Bank sold the account to XXXX XXXX and created what appears to be a recent collections item. XXXX XXXX has placed the item on my credit report, significantly reducing my credit score by 26 points for a debt that is over 7 years old and one that they have not yet billed me for. I have disputed the matter with XXXX and XXXX XXXX and they both confirmed that the debt would be removed in XXXX but I believe because of the mitigating circumstances, it should be removed immediately. Thank you for your consideration in helping me resolve this matter.
PlusFour Inc is reporting something for an XXXX company. I was not transported anywhere in XXXX XXXX or any time in XXXX Please help me this makes no sense
I recently obtained a copy of my credit report. There was an unauthorized inquiry made by XXXX XXXX Bank. On XXXX, I wrote to XXXX XXXX Bank asking for proof of the inquiry. To date, XXXX, I have yet to receive a response from them validating said credit inquiry, which has made my FICO score drop!
I opened a checking account under First Tennessee Bank under a checking bonus promise of {$300.00} for opening an account with a minimum of {$250.00} and direct deposit monthly, which I 've maintained. After a few months of not receiving the bonus, First Tennessee stated that I was not eligible for the checking bonus because the code had expired. I had opened the account on XXXX/XXXX/17. The last day of the promotion was XXXX/XXXX/17. The code I used to open the account was " ONLINE. '' First Tennessee refused to grant the bonus saying the code I used was expired, but they were unable to tell me which code I had used on the application. First Tennessee swindled me into opening an account under the auspices of a bonus, which they then refused to deliver on after all the eligibility requirements were met. I think they did this in order to pad their new account statistics.
I have disputed these accounts several times with Equifax and they always say that they are verified. How can they verify the accounts when the company ( XXXX ) reporting them ca n't verify them. I sent the company a letter asking them under the Fair Debt Collection Practices Act to provide me with the following : 1. what the money you say I owe is for, 2. explain and show me how you calculated what you say I owe,3. provide me with copies of any papers that show I agreed to pay you what you say I owe you, 4. identify the original creditor, 5. show me that you are licensed to collect in my state ; and provide me with your license numbers and Registered Agent. That company could n't provide me with anything. So, I request that Equifax remove all these accounts : XXXX from my file permanently and all credit inquiries.
I have disputed all the credit inquires that are listed on my report and have gotten XXXX help with them being removed.
I opened a Capital One 360 XXXX XXXX Account online on XX/XX/XXXX in response to a promotion offering {$200.00} to any new account holder who deposited {$10000.00} or more. 

I deposited {$10000.00} on XX/XX/XXXX. 
Capital One deposited the promotional payment of {$200.00} on XX/XX/XXXX. 

Sometime in XXXX I learned of another new Cap One 360 XXXX XXXX Account promotion called " XXXX ''. It is available at https : XXXX I contacted a CapOne representative on their Chat feature and asked to be included in XXXX. The representative said that I would be included. The representative told me to meet the conditions of XXXX and contact Chat again. The representative said that a XXXX representative would manually deposit an additional {$300.00} if I asked during a Chat session after meeting the XXXX requirement. The representative said that she would make a note to that effect in my file. 

To qualify for the additional {$300.00} promotional payment I then made deposits between XX/XX/XXXX and XX/XX/XXXX totalling {$51000.00}. During that period I also made withdrawals so my maximum balance was {$20000.00}. That was on XX/XX/XXXX. 

XX/XX/XXXX Deposited {$19000.00} XX/XX/XXXX Deposited {$20000.00} XX/XX/XXXX Deposited {$12000.00} Total deposited during the offer period was {$51000.00}. These were not transfers from other CapOne acounts On XX/XX/XXXX I met the conditions and contacted CapOne Chat. I spoke to XXXX. He agreed that a note making me eligible for XXXX had been added to my file. He did not agree to credit my account. He said that my account balance had to be {$50000.00} or more to qualify. 

XXXX 's statement is not supported by the wording of the public offer. It makes no mention of requiring an account balance of {$50000.00}. 

I should receive an additional {$300.00} promotional payment because I met the requirement and acted on a commitment from a CapOne agent. 

************************* Here is the wording of XXXX : " Heres the full scoop on how to earn your {$500.00} bonus : Open a 360 XXXX XXXX account and deposit at least {$50000.00} between XXXX XXXX ET on XX/XX/XXXX, and XXXX XXXX. ET on XX/XX/XXXX. When you open your account, enter your promotional XXXX. ( Please do not share this code with others. ) Deposits must be from another bank ( transfers between Capital One accounts will not qualify ). If you have or had an open savings product with Capital One after XX/XX/XXXX, you're ineligible for the bonus. This offer can not be combined with any othe

r Capital One Bank or Capital One 360 new account opening offer. Bonus is only valid for one account. When will I actually get my bonus? Capital One will deposit the {$500.00} bonus money into your
account within 60 days after completing the above conditions. If your account is in default, closed, or suspended, or otherwise not in good standing, you will not receive the bonus. ''
On  XXXX / XXXX / 2017  a  XXXX    XXXX   XXXX   was pulled from Transunion. This is a soft pull and should not show up as a hard inquiry. I was made aware that this is showing as a hard inquiry through  XXXX  different monitoring companies.  XXXX   XXXX ,  XXXX   XXXX , and   XXXX   XXXX   which is part of Transunion. This error has caused my score to drop and would imply that I have applied for credit. I have talked to Transunion  XXXX  different times Monday  XXXX   XXXX , Tuesday  XXXX   XXXX , and Wednesday  XXXX   XXXX  to get this resolved. The staff that I talked with had no idea how to fix the problem. In fact they dismissed my concern and offered no solution. Transunion is reporting incorrect information and even after bringing it to their attention 3 times they failed to correct the problem. I have attached a copy of an email from  XXXX   XXXX  and  XXXX   XXXX  for validation and review.