WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX/XXXX/XXXX CFPB Complaints From : XXXX XXXX XXXX XXXX : Wells Fargo Cell Phone Protection Plan Phone Damaged beyond repair and Wells contractor refuses to pay claim # XXXX XXXX XXXX XXXX submitted claim to Wells Fargo Contractor XXXX XXXX XXXX SEQUENCE OF EVENTS 1. X/17 - Contacted Wells Fargo to verify coverage since I have a Wells credit card. Wells verified as long as I paid cell phone bill with my Wells credit card, I have protection from theft or damaged phone 2. X/17, X/17, X/17, X/17, X/17 and X/17 paid XXXX XXXX cell phone bill with my Wells credit card 3. X/XX/17 XXXX XXXX cell phone destroyed when home vandalized 4. X/XX/17 filed online claim for damaged phone submitting to CARD BENEFIT SERVICES per guidelines. Claim included : a. Copies of X/17 and X/17 Wells credit card statements showing payment to XXXX XXXX b. Copies of XXXX XXXX billings for X/X/17 and X/X/17 c. Copy of XXXX XXXX receipt for phone purchase X/X/17 5. X/XX/17 email recd from XXXX XXXX XXXX that claim recd and in process Needs more information 6. X/XX/17 called XXXX XXXX and they said needed statement from XXXX XXXX on what was damaged to phone 7. X/XX/17 visited XXXX XXXX corporate store and obtained written statement from XXXX XXXX manager that phone was destroyed. Emailed letter to XXXX XXXX 8. X/XX/17 email recd from XXXX XXXX XXXX need to call their office about claim 9. X/XX/17 called Card Member Services and they said need copy of receipt for phone purchased that was damaged 10. X/XX/17 emailed copy of receipt a 2nd time ( originally sent X/XX/17 ) 11. X/X/16 XXXX XXXX XXXX called and said they would not be able to honor claim due to the cellular telephone protection plan does not cover items which have been rented, borrowed or received as part of a prepaid plan. I ask 3 -4 times I do not understand what is a pre-paid plan and XXXX XXXX never gave answer. I said I do not understand, I do not know why they are denying and that when I called Wells Fargo in X/17 they never provided any disclosure exceptions and there were not any stipulations if claim ever made just pay for cell phone bill with Wells Fargo credit card and cell phone coverage would be provided for cell phone stolen or damaged 12. X/X/17 email letter received regarding denial of claim as outlined in # 11 13. X/X/17 contacted Wells Fargo Customer Service to resolve but they said nothing they could do and refereed me back to XXXX XXXX XXXX SUMMARY There was never a disclosure or definition of a cell phone in a prepaid plan. I disagree that the XXXX XXXX phone is a prepaid plan as I purchased phone from XXXX and I did not prepay phone and I do not have a prepaid phone bill as it is paid monthly the same payment each month. <P/>I am requesting Wells Fargo/XXXX XXXX XXXX honor the claim as I paid my bill in good faith under terms explained to me by Wells Fargo/XXXX XXXX XXXX. <P/>Amount due is {$120.00} less {$25.00} deductible per claim terms or amount owed is {$100.00}. <P/>MY CONTACT INFO XXXX XXXX XXXX
Collection Accounts : XXXX XXXX XXXX, acct : XXXX Auto repossession ; Auto Lease Date Reported : XXXX Date Opened : XXXX Credit Limit {$14000.00} Balance : {$20000.00} I Request the method of verification and ask for the following : The name of the original creditor The address and phone number of the original creditor The name of the person at the credit reporting agency who verified the dispute with the original creditor The documentation that was used to verify This information reporting with all bureaus is incorrect/ this account does not belong under my name and I have never had an Auto repossession.
This is a dispute for case number XXXX : Once again- the right hand does not know what the left hand is doing. The responses I received from CITI stated they will be sending to satisfaction to the XXXX County Courthouse. I was beyond ecstatic to have this finally behind me after CITI 's " clerical error ''. The same " clerical error '' that has wasted MY TIME, hindered me in potential jobs, and housing options. Now, I have found out after receiving XXXX letters stating this, the satisfaction that was supposingly being sent to the XXXX County Courthouse was sent to my ex- mother in laws house. I have no idea why this was done. This is beyond ridiculous. Now I have to spend more of MY TIME to get this document and take time out of work to get this recorded at the XXXX County Courthouse. I would like to be compensated for my time because of this " clerical error ''. This has been a waste of my time and has ruined my life for the last year. Please make a check payable to myself in the amount of {$1000.00}. Oh and please do not send this to my ex- mother in laws house. My address AGAIN is XXXX XXXX XXXX XXXX XXXX, IA XXXX. You know, the same address on the loan docs.
In XX/XX/XXXX, I reach a credit card settlement with Barclays Bank Delaware. 

This settlement regarded my now closed account # XXXX. The account was in my maiden name, XXXX XXXX XXXX. My married name is XXXX XXXX XXXX. 

I recently inquired about a home loan and was surprised to learn Barclays had not updated my account to show a -XXXX- balance. The previous balance before the settlement was still showing, which is causing a significant lowering of my credit scores. 

Late last month ( XX/XX/XXXX ), I called Barclays Bank to inquire why they were not correctly reporting the status of the account. The duration of my phone call lasted well over an hour. Most of the time was being left on hold, while they transferred me from one department to the next, because no one seemed to want to help me. The conversation ended with Barclays agreeing to remove the account from my credit report, because of their failure to accurately report the account for more than a year. Again, their action caused my credit scores to drop and make me ineligible for a home loan. 

I asked that a letter confirming our conversation be emailed or faxed to me, specifically the part about the removable of the account from my report. Barclays refused stating, their company policy only allowed them to mail it. I was told I would receive it within 7-10 days. When that time passed, I again called Barclays ( XX/XX/XXXX ). Once again, the call lasted more than an hour while they passed me back and forth to individuals and departments who knew nothing about my account and had no interest helping me. Finally, a manager named XXXX got on the phone. He was rude and difficult. I asked for his company ID and he REFUSED to give it out. He said he didnt see a need to do it. 

When I told him what his company had agreed to do in a previous conversation, including the removal of my account, he stated, Thats not going to happen. I reminded him that Barclays failure to accurately report the status of my account for more than a year was harming my credit scores, he didnt answer me. The called then ended.
I disputed the collection originally because I had payed the debt approximately 5 years prior to the XX/XX/XXXX posting on my credit report. I sent a formal complaint through the credit bureau and called allied to dispute and validate the debt of {$260.00} around XX/XX/XXXX. I never received any letter of validation. It was removed from my credit report around XX/XX/XXXX. Now they Put it back on my report as of XX/XX/XXXX. 

Gentle breeze payday loans Allied collection service
I called on XXXX/XXXX/15 at approximately XXXX and spoke with Branch Manager XXXX XXXX and explained to her my concerns about my account being debited 7 days after a purchase. I explained to her that I had been into my local branch BMO XXXX XXXX and my issues are still unresolved, she stated that she would look into this and call be right back she never returned my phone until after I called her back almost 24 hours later ( what about to Customer Service and Integrity ) After speaking with her on the next day I was informed that BMO Harris system indicated that my actual physical card was swiped 6 days later in which it was not and then removed from my bank account 1 day later. I then explained that I could produce a receipt stating that BMO Harris system is incorrect due to the fact the my receipt shows a date of Friday XXXX XXXX, 2015 not XXXX XXXX, 2015. She informed that its basically what BMO HARRIS system states and not my receipt. I asked for a corporate phone number and or address and she was unable to provide me with this information. She stated that she only had an internal number no contact number that could assist me.
In XXXX XXXX, I was notified by XXXX that they were canceling my long-term credit relationship because of information contained in my credit bureau file. After having a long history of good credit, this concerned me enough to have my credit report pulled by all three agencies. XXXX was the only bureau that was accurate. Equifax and XXXX both recently reported a collection item from XXXX XXXX XXXX ( creditor was XXXX XXXX ). Since I have never had an account with XXXX, I tried to get resolve it via phone conversations. I was bounced between the Collection agency and the creditor with no resolution. I then wrote letters to both credit bureaus via Certified Letter. I got a letter back from Equifax ( Confirmation # XXXX ) saying, " We have verified that this item belongs to you. '' I was finally connected by XXXX XXXX XXXX, Executive Customer Relations, XXXX, Northeast Division. XXXX XXXX asked for my social security number and agreed it did not match the account. However, he said he " reached out to my identify theft department ; while our skip tracing does place you at the account, this may be a case of identify theft. '' Apparently the cable account was established at an address I had previously lived at with my ex-wife XX/XX/XXXX and XX/XX/XXXX. I moved out in XX/XX/XXXX and moved to XXXX XXXX XXXX, XXXX ( later changed to XXXX XXXX XXXX XXXX XXXX XXXX 's XXXX system ). I strongly believe the XXXX credit bureaus started blending my file at that point because the XXXX XXXX address plus new addresses I have never established nor lived at started appearing on my credit reports. FACTS : 1 ) I have NEVER had an account with XXXX ... at any location! 2 ) I have not lived at XXXX XXXX XXXX, XXXX since XX/XX/XXXX and this account was apparently established way after that time period. XXXX ) I have never established nor lived at any address in XXXX after XX/XX/XXXX other than XXXX XXXX XXXX, XXXX. From there, in XX/XX/XXXX, I moved with my wife to XXXX, XXXX. In the meantime, XXXX, doing their due diligence, did another investigation and finally recently deleted that collection item from their report. I encourage you to contact them to see what their decision was base on so that this issue can be resolved without proceeding to my next step ( contacting my Congressional Representative and Legal Counsel. ) After months of back and forth discussions/letters between me, the collection agency, the creditor and Equifax , I have NO idea how they can legally tie this account to me when I did not live at the address the account was established under, the social security number established with this account is not mine. They gave me no information on what they believes ties me to this account. I can, however, provide proof to a lawyer, if need be, that this account IS NOT MINE.
I went to a XXXX XXXX ATM to deposit XXXX., but the ATM machine ate my deposit an did not credit my account. It also kept my debit card. This happened on XX/XX/XXXX at roughly around XXXX. In XXXX, La.I preceded to the main office building to tell the folks, the atm ate my deposit. From there they started a claim, in which XXXX was credited to my account in the following days. On XX/XX/XXXX XXXX XXXX reversed the credit, saying that when they check the machine it only had {$500.00} over, thus stealing my money.
I just returned from a XXXX on the XXXX XXXX and finally have the ability to submit this complaint of something that happened while I was XXXX. I had applied for the XXXX XXXX XXXX XXXX card because at the time, Barclays had a great reputation for programs they offered to military members. They went well above and beyond the SCRA standard. They offered 0 % APR as part of the SCRA agreement. They also waived all transaction fees and well as the {$990.00} annual fee to all XXXX XXXX Military for the duration of their service. This is the explicit reason I applied for this card XX/XX/XXXX. After I had recieved my card, I submitted all the required paperwork required to prove my XXXX XXXX status. Barclays applied my XXXX XXXX status to my account and sent me a letter stating that they would waive the {$990.00} annual fee and give me 0 % APR as I had heard they had done for many others. After that time, Barclays decided to change to terms and conditions they offered to new XXXX members. Every card service representative I talked to stated that if you were a previous card holder you would not be affected. After 10 months of having this card I received a notice in the mail stating that they could no longer honor the original terms and would begin accessing my account the annual fee of {$990.00}. I understand that Barclays Bank went well beyond any other creditor in regards to SCRA, however not honoring the original terms of agreement to current card members is just bad business. I had to close my account while I was XXXX XXXX  to prevent being charged the {$990.00} and was left over seas without a credit card.
On XX/XX/XXXX I received a promotional mailer for TD Bank at our house address. It required a minimal amount of money direct deposited to a new TD checking account in order to receive {$300.00}. My wife and I went into the TD Bank XXXX, SC location on XXXX XXXX. and met with the ( branch manager? ) XXXX. We brought the promotional flyer in and setup our Checking and Savings accounts accordingly. We exceeded the minimum monthly direct deposit for many months. Around XX/XX/XXXX I stopped in the bank ( XXXX location ) and spoke with XXXX - who confirmed that we had met all the eligibility requirements, but were now just waiting for the credit - and that it could take some time. I accepted that as an answer and moved on. On XX/XX/2018 I called the XXXX branch and requested information about where the credit is - since enough time has passed for TD Bank to honor their end of the deal. I was told I would receive a call back - which never happened. I called today ( XX/XX/XXXX ) and spoke with XXXX XXXX - who could not provide any information about where my credit was or what was going on. I insisted that I speak with someone else and got a different number which led me to XXXX ( XXXX, SC office ). She informed me that she had looked into this matter and had attempted to call me at the end of XX/XX/XXXX. She told me she left a message, but I have not received any proactive communication from TD Bank regarding this situation. The bank has my email address on file, but I never received an email. They also have my correct physical address on file, but I never received a letter. XXXX also informed me that " the customer did not receive a mailer '' was the response she received from TD Bank research department. This SHOULD have been something caught when we opened the account in-branch ( with the flyer in hand ) for this specific reason. I requested to escalate this higher and XXXX gave me the number to XXXX XXXX. I called him and he is not available. I have several other local bank accounts and this bank is the worst. They are slow, have terrible customer service, don't call you back - and nobody seems to know what is going on. My wife and I signed up as NEW TD BANK CUSTOMERS just because of this bait and switch offer that they are not wanting to honor. On XX/XX/XXXX I read this complaint to XXXX in order to verify that all of this information provided in this complaint is as accurate as possible.
This company discovered a breach of personal information onXX/XX/XXXX and did not report it to the public until XX/XX/XXXX. Meanwhile there is someone putting inquires on all my credit reports because they have my information and the company has failed to inform me or anyone of that matter. It took 6 weeks for myself and other consumers to find out, while in the meantime credit reports and scores are being affected. On top of that in there findings 3 executives decide to sale there share of the company and protect their self and personal information has been compromised. These unauthorized inquires should be removed.
XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX Inquiry from XX/XX/XXXX + Specialty - Shoe, Hat, Etc. XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX
Use Credit Union Inquiry from XX/XX/XXXX + Credit Unions XXXX Inquiry from XX/XX/XXXX + Specialty - Shoe, Hat, Etc. XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX Inquiry from XX/XX/XXXX + Bankcard XXXX Inquiry from XX/XX/XXXX
Recently I applied for a credit card thru  Wells Fargo  I was approved for the card when I call to activate the card I was told I would need to go to my bank and have the banker call them and I would need a Id. Since their was no wellsfargo banks near me going to my personal bank would be ok. Well did this four times and I live 15 miles out of town after the fourth trip I was told I would have to step into a  Wells Fargo  bank so I drove to  XXXX  Texas which is about a three hour trip from my home to take care of this. I met with the banker their and she was very helpful made copies of my Id and copies of  XXXX  bills they needed. So i left with the understanding all was good then the next day they wanted full pages of the bills so trip back to town to fax the copies. The very next day  XXXX  get a call from a lady that said she never received them I said I have confirmation that you did she said the fax machine was at the other end of the building and she had not looked yet. They kept telling me that a hold had been placed on the card because of recent activity that had been on the card and to activate I would need to call the number provided so we could clear this up we 'll soon as I would call they would tell me that they could not discuss this matter with me that I would need to step into the branch to get it cleared up but the letter I received clearly stated that I was to call them. Each time I was told the same thing. Still I have not got a straight answer because they will not discuss it with me. The lady that had helped me at the  XXXX   XXXX  branch in  XXXX  filled a complaint on them Also. They have lied to me cost me money and time jumping thru all the hoops and they want talk to me about a card that has my name on it yet they are telling me that 's it 's activity on the card but the card has never been activated. Something very shady about this hole deal. I have dates for each event that has taken place emails sent to them And records of all of it. I this normal practice for a bank because it does n't seem Very professional my bank even thought it was strange. Why send me a letter telling me to call them to get the matter cleared up then tell me they can not discuss it with me. Biggest dog and pony show I 've ever seen. Can you please tell me what I need to do. The card is showing up on my credit report and shows the balance but I ca n't use it.
I was fined {$70.00} in overdraft fees for XXXX payments. The payments were reordered in such a way that I was charged XXXX fees, even though there was enough money in the account to clear XXXX payment. second, I had {$4500.00} in deposits come in the next day ; those payments were supposed to come in on the XXXX but instead were posted the XXXX, which is what made my checks totaling {$1500.00} bounce on the XXXX. I contacted Bank of America multiple times and they refused to revisit the fees, even telling me that they purposely reorder payments from high to low despite stating publicly that they stopped doing that in 2013. I was directed to the depositor agreement, which merely states that they have discretion to order however they want, it does not say they order from high to low. They further started that i am not entitled to a copy of the recording of the conversation.
Portfolio Recoverr, a debt buyer company reporting as a factoring company on my credit reports had two accounts listed as collections from XXXX XXXX. Those accounts were never validated. I never received an original consumer contract. I decided to settle the amounts because the collection implied that it would be removed. Portfolio did not remove the accounts. The rep coerced me to settle.
Company - Transunion XX/XX/2017 received a bill for {$1.00} and XXXX Contacted XXXX Credit Card disputing charge and was refunded {$19.00}. Afterwards I have been billed 3 times for a service I did not request. I have no record of requesting this service from Transunion. 

I have called a Transunion XXXX and they ask for information i.e : name, address and last 4 digits of social in order to find the account, however they continued to ask for more information. I became uncomfortable giving them more personal information and refused to provide the information to them. They then told me they needed more information to help me close the account. 

I would like to have all the money refunded to me and stop payment to Transunion. 
Please - HELP!
Hello, I really was not sure which drop down to select. I have been getting a notice of intent of garnishment from a law firm. The debt is from 2007 and I believe it may be a credit card debt but I am not sure and I not really sure of the cost as it is not listed on the letter that I continue to receive. I am a single father with some major health issues and have had to receive food support from time to to get by. Can this company continue to collect and send me these notice of garnishment from a 2007 case? When I look up the case on public court website it says the debt was paid in 2007 and XXXX is owed. I just dont get it. Can you help me resolve this issue. I have XXXX and things like this does not only put additional stress on me but causes symptoms to react. I really want to know if they can continue to collect on this 2007 case?? I have attached several documents for your review. I have a lot of medical debt and cant afford for my paycheck to be garnished. It would bring great hardship to me. This debt could be from my previous marriage, I am not sure but I do know it is very old. Please review the documents provided. Thank you for your help if you can provide some.
Bank of America has repeatedly contacted me regarding my mortgage that is due on the XXXX of each month with a grace period that is due on the XXXX. I spoke with a representative Wednesday, XXXX XXXX and she stated she submitted sometime of cease and xx. I have received 3 call from BOA and it sickens me to my stomach, and I 'm being harassed during a 15 day grace period.