WillisBack/dataset-financial-user-claim huggingface dataset:
Acquired a mortgage in XXXX through XXXX XXXX at Total Mortgage in XXXX, CT. XXXX rarely responded to emails after he and his staff demanded we get documentation in by a certain day. We needed our lawyer to request XXXX extensions from the seller 's attorney as a result of XXXX dropping the ball several times. He told us he would try to float down our rate, then never told us when our rate even expired, then tried to bully us into paying for a rate lock extension. XXXX many times threatened us by stating we did n't deserve good customer service and he could charge us what he chose to extend the rate. We had to ask for the GFE paperwork XXXX times until it was finally emailed. 

4 days before our closing the company all of a sudden demanded we close all our credit card accounts since they were paid off. XXXX associate XXXX, then told our lawyer we would n't be closing until at least 3-4 days after the set date. The icing on the cake was right before closing where XXXX admitted to bullying us because we asked to many questions and again said we did n't deserve good service. He then began shouting about all the loans he 's closed this year and how great the company is. Many people we worked with to close our loan were surprised and apologized for the poor service we received by this company. 

I was fine with dropping this but felt a complaint should be filed after I posted a review on XXXX and now XXXX has begun harassing me by texting my cell phone about my review. The next step if I get another text from him will be a visit to the police station in the town he does business in order to discuss harassment charges.
After being discharged from this medical facility I was provided with medical records for another patient that was being seen on that date. I could not even provide proof of hospitalization to my school due to this huge HIPPA violation. In addition I received a bill for test that I am not even sure was performed on me. At that time I was pregnant but according to the test results that belonged to another patient I was not. I have sent a debt verification letter to request detailed billing and I tried to contact some in the billing department of that medical facility shortly after being discharged. I have no trust in this medical facility or any charges that I am deemed responsible for.
I have repeatedly tried to contact AFNI, INC to no avail. It is putting a derogatory mark on my XXXX, XXXX and XXXX  credit reports. This account is hurting my ability to apply for credit.
XX/XX/XXXX I applied for Capital One Card XX/XX/XXXX received an email that my card shipped However, I received a letter dated XX/XX/XXXX indicating " we have been trying to reach you because we think a fraudulent credit card account may have been opened '' I 'm not sure who they were trying to reach as I received no calls, emails, or other correspondence outside of this. XX/XX/XXXX I contacted your office and spoke to XXXX who I verified my full name, DOB, SSN, and full address for She indicated that what I provided was not enough information to verify my identity ( not sure how when those are standard HIPAA verification questions ) She requested my number and advised that it was n't acceptable she even requested my partner 's number ( who is n't on the account ) to verify which was n't acceptable either When I inquired what acceptable verification information was needed I was told she couldnt release that information She indicated I would have to go into a branch and verify my identity I requested all of this information in writing ( which has not been received ) On XX/XX/XXXX while setting up a joint savings account with my partner the system indicated that I already had an account ( not sure how when I never received a card ). I proceeded to call customer service and first spoke to XXXX who advised that I would need to send in a copy of my ID, a check stub, and utility bill to verify my identity ( I was not told this during the first call ). I then requested that the account be cancelled at which time XXXX transferred me to her supervisor XXXX. XXXX indicated that the card was under restriction and I would have to call Mon. and speak to a manager to cancel the card when my partner inquired why there was a restriction and why no one would provide us with information she advised her she was n't authorized on the account I advised XXXX that we were on speaker and I was still on the line She stated she couldnt verify my identity and disconnected the call! All I 've been trying to do is determine if someone else received the card and if they have been using it. No one will give me any information even though I 've requested the information in writing
A checking as well as a savings account was opened with Citi bank on XX/XX/2018. As part of opening the checking account, a bonus of {$400.00} was advertised provided certain conditions were met with the account. These terms were as follows : Opening as checking and savings account with Citi, depositing {$15000.00} to the checking account and maintain a minimum balance of {$15000.00} in the account for sixty ( 60 ) consecutive calendar days. The {$400.00} bonus would then be deposited to the account within 90 days of meeting these requirements. 

On XX/XX/2018 a deposit of {$15000.00} was deposited to the checking account. A balance of {$15000.00} was maintained in this account until XX/XX/2018 when {$5000.00} was transferred from the account. 

Per the terms of opening the account, the {$400.00} bonus was required to post by XX/XX/2018. This did not occur. Citibank was contacted on XX/XX/2018 to determine the delay of the bonus being credited to the account. Case number XXXX was entered into Citibank system on XX/XX/2018, but there was no further communication on progress of the term violation or resolution ( crediting the bonus to the account ). As of XX/XX/2018, the bonus still has not been credited to the account. Overall, Citibank has violated the terms set when the account was opened and has not acted on resolving this issue within a reasonable amount of time.
I would like assistance in disputing a charge on my XXXX XXXX XXXX. This charge is XXXX of several paid to a company named XXXX XXXX in XXXX of last year. This company charged me a total of {$15000.00} XXXX {$2000.00} of which is on this card ) after selling us on the idea of starting an online business. XXXX XXXX told us that the initial {$8800.00} we paid was to be inclusive of a custom built platinum e-commerce website, marketing, hosting and coaching. They did not do any other the things that were sold the custom website was never done instead they gave bus an empty cookie cutter that we were to do ourselves. The coaching was about selling on eBay and not at all relevant to the site. They did no marketing and the hosting was terrible the site was constantly down. This company has failed to provide the services that were sold to us and when we complained we were told that we did not buy the complete package and paid them another {$7000.00} and nothing further happened. This company has defrauded us by deceptively selling us this opportunity giving us false hopes and expectations of what would come. The intention of this business was to supplement our retirement income and has done nothing more than indebt us. They claimed that they would teach us and assist us in starting and running this business. I had thought I was at a loss as I have been told that I can not dispute charges over 60 days old. I have since discovered that this is not true since these charges are a direct result of fraud and misrepresentation from a telemarketing company. This being the case, I have the right to dispute these charges for up to XXXX year from the billing statement under claims and defenses.
I have never received any written or phone communication from this company. I saw two new negative entries on my credit report and I inquired about them. They could not verify dates of service although they reported it on my credit asXX/XX/2018. I confirmed with the original debtor that the dates of services are four years old.
experian will not correct the incorrect information that is reporting on my credit report with my XXXX account. This account is reporting as a 30 day late payment from XX/XX/XXXX. It has been confirmed several times that this information is incorrect. I never paid this account late. I have submitted and disputed this information numerous times and now experian will not allow me to re-dispute this incorrect information. This account is reporting as potentially negative and is schedulaed to go to a positive status in XX/XX/XXXX. This account should be listed in accounts in " Good Standing ''. I never paid this account late. My credit score is being affected in a negative way because of this wrong information.
On XX/XX/XXXX, I came to Sears store to purchase a mattress. I was offered by the Sales Associate to open a Sears Credit Card and if i spend {$1500.00} purchases the first 90 days, Ill receive {$150.00} store credit. I accepted the offer and opened the credit card. Once The Sales Associate finished the transaction, I noticed there was {$60.00} credit due to I used the card to make the first purchase at Sears store. I asked is this part of the {$150.00} or in addition to the {$150.00} and was told It is another promotional offer from the store. To be sure, I called in to Sears credit card and was confirmed by customer service that the {$150.00} will be credit within 1 or 2 billing cycles after the 90 days. 
Its the end of XX/XX/XXXX, I spent more than the required XXXX but i dont see the {$150.00} credit to my account, So I called Sears to follow up and was told the {$60.00} is all the promotional offered I got. I explained to them and they confirmed there was a call i made in XX/XX/XXXX regarding the {$150.00} but since i got the {$60.00}. They cant issue me another reward. 
I escalated to a manager who was very rude and told me there is nothing he can do. I stated Ill file a complaint because this is falsified marketing scam and he said go ahead. Attached is a screenshot of their promotional offer posted on their website as of now. I would like the CFPB to fix these marketing scam to protect our consumers. Thank you
XXXX/XXXX/XXXX HUD Short Sale Approval Notification Received. 
Sale Amount Approved- {$180000.00} closing date scheduled : XXXX by Lender closing date changed to XXXX by buyer atty due to late approval by lender for buyer XXXX/XXXX/XXXX Closing Disclosure was incorrect. It indicated fees required by seller. This was a short sale transaction and seller was not responsible for fees. A corrected copy was was never provided but seller was assured it would be provided at closing on XXXX I agreed to a {$1000.00} deduction from my relocation check, the seller and buyer agent also agreed to a deduction as well from their commissions In order to make up this amount. In addition, a partial payment of {$1000.00} that I made previously was not refunded to me. I was told it would be applied towards the short sale. I saw no evidence of this amount listed anywhere on the closing disclosure.As requested by XXXX XXXX, I provided a signed letter indicating I agreed to the {$1000.00} deduction form the relocation funds. Once numbers were calculated, the short sale specialist advised there was {$2600.00} deficient.In order to get the short sale completed. 


XXXX/XXXX/XXXX I also signed a 4T-agreement which was submitted to the buyer agent.Since the closing date has to be changed to XXXX. Seller and buyer arrived to closing on time. Placed in separate rooms paperwork signed by buyers. Sellers left in a room for 3 hours and finally told to leave. no paperwork signed and keys to house remained in sellers possession.The Short Sale Specialist XXXX XXXX became increasing frustrated at the constant back and forth with the attorney ; she then indicated it would easier to decline the short sale and just place the house in foreclosure. This was communicated via phone and possibly email to the seller agent. 

XXXX/XXXX/XXXX XXXX XXXX indicated he numbers were correct just wait on her final approval. After 6 hours of waiting and constant contact by the attorney and seller agent, XXXX XXXX then advised she did not have final approval authority it had to come from " her boss ''. 

XXXX/XXXX/XXXX As a result of this delay. I have incurred additional storage fees of my household goods now totally {$350.00}. I have also incurred hotel fees now totally {$280.00}. Meals have now totals {$75.00}. Despite allegation that the process is being rushed, it is now becoming obvious that Carrington MS is stalling in order to place the house in foreclosure and cover up their lack of attention to this matter. We were notified today that a reply from HUD is pending which appears to be evident that the process is starting over. I still have keys to a house that was approved for a short sale and because of the lack of due diligence on the part of the lender, this will now cause the approved buyers to loose out on a purchase and the seller to suffer the consequences of a foreclosure proceeding. 

A close look at Carringtons business practices needs to be examined for abuse, excessive delays and unjustified threats to the determine of the homeowner. The emotional and financial stress this has caused is unmeasurable.
I have been disputing a debt Nationstar Mortgage , LLC has been trying to collect since XXXX XXXX, XXXX. On XXXX XXXX, XXXX, Nationstar responded to a CFPB complaint declaring they were the servicer for Bank XXXX and the account was XXXX payments delinquent. On XXXX XXXX, XXXX, Nationstar 's counsel sent me a letter advising they were rescinding the acceleration of the debt. This contraverts the response on XXXX XXXX, XXXX indicating the loan was XXXX payments delinquent. Nationstar never purported to accelerate the alleged debt. There has been no activity on this account since the alleged transferred. I have never made any payments or executed any loan agreements with Nationstar. In conclusion, On XXXX XXXX, XXXX, XXXX days after the alleged Rescission, Nationstar responded to the XXXX credit dispute indicating the account and past due balances of the account were {$0.00}. Nationstar has consistently given conflicting information referencing the alleged debt. It appears they have n't done any due diligence to investigate this account ; after I 've vehemently disputed it. PLEASE HELP ... ... ..
Hello I have social security XXXX I 'm a XXXX veteran, social security deals with XXXX XXXX card through comerica bank, money is direct deposited. Money has disappeared from account several times have filed XXXX disputes and have over 12 hours on phone with banks employees. I have several lies on recording they told me I was hacked. I 'm missing over XXXX dollars now on XXXX Friday my account was drained I called and made them aware it was n't me and comerica bank supervisor said I had to wait and let it be stolen then file a dispute. Another employee stated that the manager was to lazy to stop payment. The bank refuses to send me statements from day one. They refuse to allow me to file a dispute. The internet says that comerica bank was hacked and wo n't tell costumers. This is an inside job as every card they issue me is stole from before I even use it. They have put XXXX dollars back on my card and want me to go away. I want a full investigation into my account and the bank they are responsible for my money being stolen and refuse to help me. This is grand larceny and committed over several states so FBI matter also, I live in Ohio card was used all over united states on XXXX Friday. While on the phone with company my money was stolen. If I close account and switch banks I will never recover money they will only talk to costumers. Help me please.
I have been trying to remove some hard inquiries off of my credit because I did n't try to open the accounts and the investigation took to long and never removed the stuff off of my credit
I have recently joined M & T and love the bank but the fee 's are outrageous. I have received over XXXX dollars in fees since I have been with them and I have called to request a few fees back and nobody will help. I have always received assistance with other banks. They wont help at all. In addition there fee 's are XXXX each. I just asked for half of my fee 's back. I dont know why they dont try and accommodate there members
Un Verified Accounts Pursuant to the FCRA & the FDCPA I am filing this complaint to exercise my lawful right to question the validity of two specific debts that all three credit reporting agencies have on my credit file and claims to have become due and negative. According to the FCRA, if a credit file is going to be reported on a consumer 's report it has to be properly verified by the credit bureau. The FCRA states that the bureaus are the ones that have to keep this verification on file. I am well aware that under the FCRA section 609 disclosure to consumers, a credit reporting agency is not required to remove accurate derogatory information from my file, unless the information is outdated under section 605 or can not be verified. All three credit bureaus have placed this information into my credit file with NO VERIFICATION! Nothing has been done as to whether these accounts are valid, hence they are Unverified! I understand that All Three Credit Bureaus have violated my rights to report these items on my credit report! Fair Credit Reporting Act ( FCRA ) protects me and governs the activities of Credit reporting Agencies and regulates how they report information about me. They are required to have copies of the original signed credit application in their files, which they have failed to provide to me. Each time I dispute these two entries it has come back as verified within a few days, which further lets me know that they have not fully verified the accounts. They are required to have a copy of the credit application that I signed when I supposedly opened the credit account with the creditor on their files. They have failed to show that their agency verified the information and the accounts belongs to me and to show that their agency verified the information before they placed it on my credit report by identifying the proper identification required ( driver license and SS card ) + a written contract/request identifying me.
We suffered a water damage loss in our home. XXXX XXXX issued a ck for $ XXXX to us and the lender Wells Fargo. We have been working on the repairs. WF has refused to issue a check to pay for the repairs. We have taken $ XXXX from our IRA to cover the expenses we have incurred. I have uploaded all supporting documents to WF to show what we have paid for. We have been promised a $ XXXX check from several of the people we have spoken with but still have not been reinbursed despite my calling in on a near daily basis.
I was checking my account and see  XXXX  different account in collections in my credit report, both are payday loans that I do n't know about
XXXX XXXX {$5000.00} Under the Soldiers and Sailors Civil Relief Act I contacted XXXX XXXX in  XXXX 2012 to notify them I was going on a XXXX and submitted the regard documents. The company fail to honor my contract under the Soldiers and Sailors Civil Relief Act while being XXXX to XXXX and the clause of the contract that I paid extra fees in case I got injured. I got injured in XXXX and the company fail to honor the clause of the contract as well. As a veteran I contacted to the company to retrieve some information about my account and why they did n't honor the Soldiers and Sailors Civil Relief Act as well the clause of the contract and someone hung the phone up on me. This company continue to this day to report false information on my credit reporting file as a charge off causing me financial difficulties. XXXX XXXX {$0.00} Under Soldiers and Sailors Civil Relief Act XXXX XXXX also fail to suspend my account while serving in XXXX that led to additional charges that we made on my account without being notified. I file a complaint with the BBB and the XXXX XXXX. stated to me that they have no record of me coming into there establishment to cancel my account and that they normal shred the documents the same day. I stated to the rep. I came me as customer and submitted the proper documents why should I be held accountable and not your rep. He simply stated to me that it 's not his business fault it 's mines and send him a copy of my orders. I simply responding by saying " You let fraudulent activity continue on my account for numerous months and fail to reach out to me but soon I come home from a 12 month XXXX I have a bill that 's in collection from XXXX XXXX '' after I came into your establishment and provided the proper documentation. Now I have to contact the XXXX XXXX XXXX and track down some orders from 5 years ago. I do n't think that 's fair for any service member that 's serving overseas to come home and receive a letter stating you owe and debt that you were n't aware of when you simply done the right thing. I paid the account and brought it to a XXXX balance in order to close on my home because, I did n't want this to affect my credit file but I want XXXX to remove this from my credit.
I have contacted Transunion on numerous occasion about the inaccurate reporting of an account listed on my credit report. I have submitted evidence that I received from the original creditor admitting they can not verify the account and require more information. I am a XXXX and will be leaving for XXXX soon and will not be able to be present in court. Im hoping that that filing this complaint shows that I'm serious about correcting and deleting inaccurate information on my credit report.
I have initiated XXXX separate disputes with Experian for XXXX XXXX XXXX accounts that are reporting on my credit report. The balance, date of first date of delinquency, and status are inaccurate and Experian has sent me documents claiming to have verified it. How is this possible if the creditor has n't verified with me the alleged debtor. The address for XXXX XXXX is NOT listed on my credit report so I googled XXXX XXXX 's address and sent them XXXX letters as well. No response. I feel this company has violated my rights under the FCRA and your ( FTC ) guidelines. Attached is my credit report, letters sent to XXXX XXXX, certified receipts, & letter sent to the credit bureau. I sent a new complaint letter yesterday XXXX/XXXX/2016 via certified mail pleading for the credit bureau to take this matter seriously. 

**please see back of report under creditor contacts to see where the address is not listed** Thank you for being here for consumers to have a voice!!
Concerns About Capital One Initially I should explain that I am not a resident of the United States nor have I had, to my knowledge, any dealings with Capital One. 

My concerns arise because of a succession of emails I have received from Capital One which relate to an account holder called XXXX. 

These emails appear to give me the opportunity to access XXXX account. 

On receipt of the initial emails I contacted my own bank which has confirmed that there is no apparent malevolent activity. 

I contacted Capital One on their customer service number and sent them the original emails. The response on the telephone could be best described as disinterest but the operator said that I would be contacted eventually by Capital One. Other than an acknowledgement I have no response to my emails or the original telephone call. 

On XX/XX/XXXX I received another email for XXXX offering better interest on her deposit accounts which I forwarded to Capital Ones complaints service. Again I have received no response. 

My concerns are two fold, firstly, how did Capital One obtain my email addresses and secondly, what, if any action have they taken to ensure that if XXXX is a real account holder her account has not been compromised. 

If these concerns are in any way within your remit and you would like additional information I would be happy to forward the original emails to you. 

Regards XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX