WillisBack/dataset-financial-user-claim huggingface dataset:
I filed original complaint # XXXX on XX/XX/XXXX. I also spoke to Wells Fargo XXXX XXXX in executive office on XX/XX/XXXX who was handling the case. She agree about certain things that were not done correctly and stated they would like to get the loan finalized especially after spending 2 months working on it. And bad and lack of communication from the people I worked with in the application and approval process. They were named in the first complaint. She stated she would call me on XX/XX/XXXX. She did n't call me and I called and left a message. She called me XX/XX/XXXX with XXXX XXXX on speaker phone. Most people have another person for a witness to the conversation and its also XXXX against XXXX. Now other issues came to light. They stated first I need to pay {$4200.00} for escrow and late fees but more important was property needs to be out of XXXX for 6 months. I asked them to show or tell me in writing pertaining to this information. They said it was proprietary information and I would need to have a attorney to subpoena it. They stated it was XXXX XXXX guidelines. Why would n't they be public? XXXX guidelines are public. I specifically asked if it was their guidelines and the told me no. XXXX stated this came from their national underwriters and they know everything. Also CFPB would be able to listen to our conversation. A lie. I told them I was going to make another complaint and XXXX said go right ahead it will come right back to her. First how can she investigative herself? Conflict of interest. If XXXX XXXX guidelines should all be public information. Also her demeanor changed from the previous phone call. From I 'm here to help you to not at all. I told them the people I was working with do n't know the program. XXXX tried to cover for XXXX XXXX and XXXX XXXX stating the guidelines changed since XX/XX/XXXX when I applied for the loan. That 's a lie. Guidelines have not changed. I also told XXXX to use her brain and think of another way to refinance this loan. She did n't like that. They are lying and trying to cover up their employees incompetence. Also feel they came up with this because of the 1st complaint.
A mortgage company I used to have a loan with has refused to show the loan as closed. The loan was closed with a XXXX   V.A. Loan. XXXX shows the loan still open in my name. That is incorrect. The loan is paid as House was refinanced under The name XXXX XXXX XXXX. I should not have ANY open mortgage accounts at this time. Thank you. XXXX XXXX XXXX XXXX
I am unable to access my account information with customer service. They indicate that I do n't have security questions/answers on file, therefore they ca n't verify my. Never have I been presented with the ability to complete said security questions/answers. The account was originally created with AmTrust who was then acquired by New York Community Bank. Since then, I 've been locked out of my account via their website and can not get assistance on the phone due to the lack of said security questions/answers. I do n't receive paper statements, they are online only so I have no visibility to what is going on with the account. I was n't too concerned about this since I have n't used the account in several years. Yesterday I received a overdraft notice in the mail on the account for {$8.00} and customer service ca n't assist me in determining why/how, again due to the lack of said security questions/answers. I 've provided them every piece of identifiable information I have ( account number, name, SSN and address ), yet this is not sufficient verification to assist me with resolving this overdraft issue.
XXXX XXXX XXXX has put a judgement on me and wage garnishment over a discover account I never had applied for. Every year they put a hard inquiry on my credit report without my consent. I do n't know what they want from. This is illegal practice of theirs. They need to remove this judgement off me because they have no valid proof that debt belongs to me.
I was making regular monthly payments to one of XXXX XXXX collection agents. Then Navient took over, stopped the payment and I began receiving numerous threatening phone calls. I filed a complaint with the Better Business Bureau, a Navient advocate responded & said they would respond to me personally, which they did after a very long time. This man phoned me, but whenever I tried to get back to him, he never picked up and he did n't return my voicemail messages. The BBB case was closed, unsettled but put on file. After this, I began receiving threatening calls from the same nasty female Navient rep.
Background : I have a checking account and Line of Credit that is in repayment with Citizens Bank. My company also has accounts with Citizens. Every month since the LOC went into repayment my company cuts a check for at least {$700.00} which more than covers the amount due every month. 
On XX/XX/XXXX I mailed the {$700.00} payment as I normally do every month. On XX/XX/XXXX I received a statement from Citizens indicating that my payment was over due. I went online immediately and transferred {$600.00} and {$10.00} from my personal checking to cover the overdue amount. 
On XX/XX/XXXX I sent in another {$700.00} for the XXXX payment. On Saturday, XX/XX/XXXX I received a certified letter which said that they were going to start foreclosure proceedings. On Monday, I called the help line and after 3 hours was told that the payments never posted and that I had to prove that they were paid. All of the accounts are Citizens accounts. I was told that they could see the payments coming out of the account ( XXXX  ) that the checks were cut from but couldn't see where they were posted to the account. 
So as of today, XX/XX/XXXX, despite several calls and a visit to the local branch, Citizens has received over {$2000.00} ( two checks, one online transfer ) and not one dollar has been credited to my LOC! I also can't find out where the online transfer went. Although it shows it debited from my checking account, it doesn't show that it was posted to the LOC. 
I suffer from XXXX XXXX and XXXX and have been extremely stressed out and can't sleep because the whole thing is Citizens fault and no one will help me straighten it out. All I get is a run around.
I am filing this complaint because Equifax has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify those accounts, under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified, that i have disputed. Please resolve this manner as soon as possible. Thank you.
I have paid this. In person in full. XXXX made me pay it in order to hook up service at a new residents. They keep assuring me it will be removed and keep letting me down they tell me they will have a manager call me and no one calls me this happened five times I 'm really tired of this I paid these people and they have no record of anything! XXXX told me that I did not owe anything and they would send me a letter to send to the collection company stating that the debt was paid and not a debt any more! i 'm still waiting for a letter that was supposed to come last week I 'm not holding my breath.
I have been with First National Bank for 30 years. Over the years, there have been a half dozen times I have considered changing banks. Today I resolved to do so. In the latest incident, we deposited a check through the ATM on a Saturday ( XX/XX/XXXX ). Monday morning I checked and saw the deposit was pending. If I had gone in to the bank Monday morning to deposit the check, the funds would have been available that afternoon. As it was explained to me just now, because I deposited the funds through the ATM the previous Saturday, they did not give us credit for the money until Tuesday morning. XXXX or XXXX things that went through Monday afternoon/evening were counted as overdrafts even though there was money to cover them had we been credited with the check. Tuesday XX/XX/XXXX, I got an email about my account and within 10 minutes was at the bank with cash in hand to not only cover, ( because it was already covered by the check from the previous Saturday which had just gone through ) but enough to be nearly {$1000.00} to the good. They still charged me nearly {$200.00} in penalties and late fees. I was of course very upset but the most troubling thing was to come. The manager stood over me with his arms crossed, scowling and repeating the same ridiculously unfair deposit practice over and over as if I was a feeble minded child. At one point, as he remained standing and I sat, he leaned into me. I finally just decided it was not going to be fair regardless and the manager, who obviously held all the power in the situation, literally bullied me out of the bank. Horribly unjust, unfair and intimidating. If I have to pay fees, so be it but as a customer of First National Bank of PA for about 30 years, I did not deserve to be intimidated and bullied.
This is a short sale and we submitted an offer over appraised value but the investor will not accept it.
Gentlemen - I recently received a letter from XXXX dated XXXX XXXX 2017, stating that Equifax had suffered a data breach, and that XXXX was working with Equifax to learn more about the event. I have been encouraged to take several actions of which I have done, in addition to which is file a complaint with the Federal Trade Commission. I was told in this letter that you maintain a database that law enforcement agencies use for investigations and that filing a complaint will help you better assist me should I become a victim of identity theft. 

As a consumer I can not express my outrage strongly enough at the lack of responsibility Equifax has shown in this failure to safeguard and protect my personal information. As much as I despise the power which has become inherent in the credit monitoring and reporting system, I have played by the " rules '' and have established an impeccable reputation which now is threatened through no fault of my own. This is inexcusable and infuriating! 

Please place my information into your database so that, should I fall prey to these evil perpetrators, I might be able to take advantage proactively of any restorative services you make available to me.
I HAVE SEVERAL HARD INQUIRIES ON MY CREDIT REPORT THAT DONT BELONG TO ME! SOMEONE IS TRYING LIKE CRAZY TO APPLY FOR STUFF IN MY NAME! 

EXPERIAN : - XXXX/XXXX  XX/XX/2018 XXXX  - XXXX XXXX XXXX XX/XX/2018 Bank Credit Cards -  XXXX  XX/XX/2018 Finance, personal XXXX : - XXXX  XXXX XXXX  XX/XX/2018 Bank Credit Cards - XXXX - XXXX XX/XX/2018 Miscellaneous Utilities - XXXX XXXX XX/XX/2018 Telephone Companies - XXXX/XXXX XX/XX/2018 Personal Loans Cos. 
- XXXX/XXXX  XX/XX/2018 National Credit Card Cos. 

XXXX : - XXXX  XXXX XXXX XX/XX/2018 Bank Credit Cards - XXXX  XX/XX/2018 Credit card and travel / entertainment companies - XXXX XX/XX/2018 Utilities and fuel - XXXX XX/XX/2018 Utilities and fuel - XXXX XX/XX/2018 Utilities and fuel
The Bank of America has decided to close my account without giving me an appropriate response. I spoke to the Bank 's account closing department and they pointed to a customer agreement and they said they took a business decision to close the account and they are not required to provide any reason to me. 

I am operating this account as a joint holder along with my husband since XX/XX/1999. I have been the bank 's customer for over 20 years. I work with a reputed organization and earn annually $ XXXX. I also have a brokerage account with the bank 's brokerage arm ( XXXX XXXX ) with net funds invested over $ 300K. 

There was not a single incident of violation reported on my account from my side in last 20 years. I am a law-abiding permanent resident of the USA. Such an abrupt closing of my account without citing any reason makes me feel the bank has discriminated against me. 

Please look in to this as soon as possible. 

Thanks, XXXX XXXX
On XX/XX/XXXX I sent out a 609 letter informing XXXX, transunion and XXXX credit reporting agency that the list of credit inquiries that I have written down were not requested by me. I asked them to investigate the issues and supply me with a written response and documentation on how they validated these inquiries within the next two o days. I have not received any information on this matter from any of the listed parties. Upon calling XXXX I was informed by one the the US supervisor that they do not validate inquires and that it is not their job. I then responded to her by saying " this is not the truth, it is on the credit reporting agencies to ensure that all information that is placed on a persons credit report must be accurate and that if a consumer has informed them of fraudulent information it is their job to pay investigate. ". Again she said no and that I need to either file a police report and or a complaint with the CFPB. So here I am filing a complaint because it seems that XXXX knew that people 's information was compromised and did n't do anything after the fact.
On XXXX/XXXX/16 I arranged for a payment to be withdrawn from my bank account to Chase for the amount of {$100.00} to be posted on XXXX/XXXX/16. I was unable to get the money in my bank account so I cancelled payment online on XXXX/XXXX/16. I received email confirmation of the cancellation. However, on XXXX/XXXX/16, my bank showed NSF fee for {$28.00} due to Chase crediting my bank account {$100.00}. I contacted Chase and they said they had no record of my cancellation. After many " secure messages '', a few phone calls, and having screenshots of my bank statement, cancellation page from Chase.com, and the cancellation confirmation email, they were persuaded I had indeed cancelled that payment of {$100.00} ( which I made two days later ) and that I was due {$28.00} for the NSF fee. COMPLAINT # 1 : When speaking to Chase, they refused to send the {$28.00} back to my bank which I had to pay. Instead they insisted it had to be put on my CC balance. The lady stated " it still goes back to you ''. On the contrary, they closed my CC and I do not have access to it. They put it on my CC balance, but it did not go toward my next balance due date either. I WANT MY MONEY BACK IN MY POCKET OR BANK ACCOUNT! COMPLAINT # 2 : After looking through my bank records and seeing payments to Chase, my credit report, and the fact I had to prove I canceled a payment, I would like to call into question the security of Chase 's website : electronic payments, personal info., credit reporting, etc. I dispute ALL information Chase has reported to all XXXX credit bureaus and would like CFPB support. If Chase can lose one cancelled payment and claim it has NO RECORD AT ALL, it is reasonable to say that other information could be missing and/or could have been mishandled that is negatively effecting my credit report at this time. In addition, I am questioning my balance due and other charges that have been placed on my CC. Since Chase has closed my account, I would like CFPB support to clear my credit report of any record with Chase and push for a balance due of {$0.00}. My records indicate that the balance is not even half of what Chase states it is now. In conclusion, my complaints are directly from Chase 's incompetency in quality assurance, customer support, and customer/website security. I would appreciate your help in this matter, thank you.
I have a few addresses in my report that are incorrect and i would like for you to dispute them. I have never lived on those addresses and are effecting my credit.
This is a follow up to Complaint # XXXX ( now CIT ) responded within days of your having contacted them. 

They have sent several letters, we have spoken several times on the telephone, the bank has acknowledged that they have no legal standing to continue to hold their lien against our home. 

Despite their promises to resolve the matter, today, three months after our initial contact with you and 20 months after we first requested that the bank release the lien, as of XXXX XXXX, 2015 the lien release has not been recorded. 

This morning I spoke to XXXX XXXX XXXX to express my dismay at the delay. I pointed out that if this were a sale, the transfer would be recorded in three - five days. He said he had no explanation nor was he able to contact anyone else in the bank who might have some insight into how to move the process along and reach a resolution. 

I appreciate the Consumer Financial Protection Bureau 's assistance and can say without equivocation that it was your involvement that moved the bank to begin a dialogue. 

I hope that you are equally able to help them solve this in a timely manner.
XXXX has been non-compliant with removing the unverified account MERCEDES-BENZ FINANC which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that MERCEDES-BENZ FINANC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to  confirm each account is unverified.
Please review complaint no. XXXX again. American Express is misleading you by saying its a duplicate. In the first XXXX reply they said I should pursue XXXX XXXX for a refund. I contacted XXXX and they said the error was caused by XXXX and not XXXX and that the refund must come from XXXX. 

Pls ask XXXX to refund {$990.00} to my credit card account. Their letter to me saying they will stop responding to this complaint makes no sense as I followed up with the airline as they instructed.
I had disputed an account ending XXXX with XXXX XXXX XXXX and sent via certified mail on XX/XX/18 to experian where they signed and acknowledged the certified mail on XX/XX/18. I called experian to address and ask why is my credit still reporting inaccurately ... Customer rep was rude, and acknowledged that he did indeed receive my documentation. This has been reporting on my credit inaccurate and has affected my well being and denial for credit. I followed protocol and provided validation from creditor of what needed to be updated on my credit report. The customer rep acknowledged that they received my documentation but did not want to make the needed adjustment per my FCRA right which has been violated. Rep also stated that he didn't care if i contacted CFPB as it wont make a difference. At this point this is affecting my way of life as credit is everything and to have a rep tell me he didn't care was complete disrespect to me and violated my FCRA rights. I placed my call to Experian at XX/XX/18 XXXX EST. Credit is everything and when you entrust in the system to do right make sure they take their job serious and especially when documentation is supported per their validation process its disheartening and reason why people lose faith in the credit reporting agencies. So many of us have inaccurate items on credit that goes unnoticed and without a care in the world to make it right.
XXXX   XXXX  ,2017 30  days late amount {$100.00}  Compass BK Auto l oan
I purchased a mattress in XX/XX/2017 at 0 % financing for 12 months. 
The purchase then appeared on my statement as a regular financed purchase. I called XXXXXXXX XXXX credit department each month ( XXXX, XXXX, XXXX, XXXX & XXXX ) after receiving my new statement to resolve the problem. During each phone call I was promised the problem would be corrected and all interest charged thus far would be credited back to my account. 
To date, the problem still is NOT fixed. I am still being charged interest on the mattress purchase and the back interest still has NOT been credited to my account.
XXXX reported my credit score as going down 85 points because I paid my credit card off. I called XXXX and complained because this happened before and I filed a complaint on XX/XX/2018. It took weeks to get it fixed. I called XXXX today and they told me that the credit score that Credit Karma is showing for me is not their credit score for me. So, if that is true, Credit Karma is showing the wrong score and I fear they are doing so to get me to take out more credit cards. Also, I received a called from XXXX telling me a fraud was placed on my social security number and that I needed to call XXXX immediately. 

I am concerned because my mortgage loan is currently in the underwriting process and I am unable to know what is going on because of these current actions. Also, since underwriters check fraud records during their approval process, I fear that a scammer has gotten my information while that report was being run. Also, I am concerned that Credit Karma is showing me incorrect information on my account. 

Please invesitgate to help me and others. Thanks!
Last week I received a letter from Chase that they will be closing my Credit Card on XXXX XXXX XXXX because " we are no longer offering personal and business credit card accounts to current or former non-US officials, their immediate families or close associates ''. 
This is a new credit card that I have used for less than 2 months and that I want to keep open. 
I consider this as a violation of the Federal Equal Credit Opportunity Act. 
I made them a call to the number they provided for additional questions but they were not able to provide information at that number. They referred me to a bureau to which I am sending a letter to request keeping my credit card open. I am providing both letters From-Chase and To-Chase as attachments to this complaint. 
Regards, XXXX XXXX XXXX
Shows up as " Medical Data Systems ''. I do not recognize this phone number or this company. I do not answer numbers or callers that I do not recognize. If a call from an unrecognized number leaves a voicemail, I delete that voicemail before the message even beguns to play. Too many scam robo-calls out there. 
Thank you for your help.
I disputed XXXX public records of bankruptcies showing on my TransUnion credit report. TransUnion responded with investigation results of " verified, no change. '' California Federal Courts do not report bankruptcies to credit bureaus. An employee looking at their computer screen, seeing my name listed in an Internet database is NOT verification or validation of any alleged bankruptcy. TransUnion can not provide me with any viable evidence of verification or validation of these bankruptcies which is a violation of my rights under the FCRA.
Keep increase credit limit to temptated me using the card. I finally overspent and couldn't even afford to pay the interest. Tried to talk to them nicely, but they refuse to help.
A representative from XXXX XXXX XXXX contacted XXXX relatives regarding an account in my name. 1. They contacted my daugther by phone, shared information with her about the account, and attempted to set up payment arrangements. 2. They also contacted my son-in-law about the same debt. During the phone call to my daughter 's husband, the representative shared information about the debt such as the asserted balance owed.
Discover card closed my account, refused to take payments from me, transferred the account to a collection agency alleging that a credit consolidator had approached them regarding my account, and finally reported the account as delinquent to credit reporting bureaus. 
I have never used a credit consolidator, and have not asked anyone else to contact Discover card on my behalf. 
After approx. 6 months Discover identified the name the credit consolidator they allege is representing me. I called the credit consolidator, who confirmed that they have never heard of me, have never represented me, and have never contacted Discover on my behalf. 
False negative reports by Discover have seriously damaged my credit rating, to the point that I was no longer able to secure a pre-approved mortgage.