WillisBack/dataset-financial-user-claim huggingface dataset:
I was told by a rep over the phone with American Express that I would not incur a hard credit pull to simply add my nephew as an authorized user to my account. I didn't request a credit line increase, just simply wanted a second card. I submitted the request and the second card was issued along with a hard credit pull. I asked a second representative via American Express website and was again told a hard pull would not occur. I have pics of the chat! The reps name is XXXX and on XX/XX/2018 XXXX he said " You will not receive a credit inquiry for either requesting an upgrade, or adding an Additional Card Member to your existing account. However you may receive credit inquiry if you apply for a New card account. '' dispute the inquiry with the agencies, and send a polite letter to American Express asking the inquiry be removed and they sent a letter back on XX/XX/2018 and refused to do so. Can you help? Im trying to buy my first home and this is hindering me. Thanks so much.
coinbase.com wo n't let me withdraw money I have sitting in my mobile wallet, despite having followed all of their instructions to have my bank account verified so that I can withdraw funds ; They also with very little signage only allow withdrawals in XXXX, when i sold my cryptocurrency i converted it to XXXX  thinking i would be able to withdraw, they charged me a fee for this -- they are now going to charge another fee to convert it to XXXX so that i can withdraw ( or so they claim ), this is ridiculous! Despite having followed their instructions to the letter my bank account is still unverified and so they are not allowing me to withdraw my money that is sitting in the mobile wallet. No one from their support has returned my email, I dont expect that they will, their forum is FULL of people complaining about the same issue
On XX/XX/2016 at XXXX cst I commenced a transfer of {$40.00} to a fellow collegue and during this transfer of monies paypal commenced to placing a hold on the funds as they were posted and moved from my account to his. I contacted paypal as there seemed to be alot of the same issues going on for myself amongst others I had spoken with that did business with Paypal. XX/XX/2016 at XXXX cst I built my way up the management ladder and ended up speaking with a mgr by the name of XXXX in the Paypal Customer Securities/Payments. At this time I had already spent about hour or more weaving my way through c/s reps whom seemed to be less than knowledgeable in their job duties with the companies and were of no help with resolving the matter. When I sent the funds I contacted Paypal to make sure the issue didnt arise and was assured it would n't and here we are and Paypal currently is holding the funds and will not release them to whom I sent them to or back to myself.
I applied for a loan modification and was denied based on the wrong income. ( see attached ) Due to a calendaring oversight, my appeal -- which was based solely on the servicer 's error -- was one day late. The letter was dated XXXX XXXX, and I was supposed to reply within 30 days of the date of the letter. I did n't receive the letter until XXXX XXXX. The servicer refused to consider my appeal on XXXX XXXX ( due on XXXX XXXX ) even though it was their mistake in the first place. 
I provided income documentation and proof of the rental and boarder income I receive. One portion of the income is from boarders who co-occupy my portion of the building I live in and own. This is the only income I was given credit for, {$2000.00} a month. 
The income from the rest of the building, {$4900.00}, is currently paid to the court-appointed foreclosure commissioner. Between the date of the foreclosure judgment and the foreclosure sale, the commissioner told my tenants they were to pay him. No sale date has been set, and the foreclosure was on hold while my loan modification was being reviewed, but the commissioner kept the rents. 
The servicer did not give me credit for the rents, even though I provided proof from the commissioner that he was receiving the money. See attached. 
I do not think it is fair to deny me a chance to be considered for a loan modification, because of a one-day oversight to make an appeal I was making based only because of the servicer 's mistake on my income. 
I am represented by an attorney and my attorney is helping me file this complaint.
I submitted a letter from a previous landlord to all three credit bureas for removal. XXXX and XXXX removed the judgement from my credit report. Equifax refuses to remove it with the same documentation that was submitted. The judgement is five years old. I spoke with XXXX XXXX XXXX sessions court on XXXX/XXXX/2016 to see if they provide a letter that states something is VACATED and they stated that this was the only letter that they provide to anyone, which states please satisfy on credit report. Equifax wants a letter that is stating the word VACATED, XXXX XXXX court says the letter they give to anyone will never say VACATED and they do n't know why they are trying to keep it. Yes I understand the credit bureaus rules and regulations. But, what I do n't understand is why XXXX and XXXX removed it completely from my credit report with the same letter and Equifax WILL NOT. I have went through all the proper procedures to have this removed from Equifax and again no problems with XXXX or XXXX. Attached is the official document from the XXXX XXXX XXXX XXXX Court. I would just like for Equifax to comply as XXXX and XXXX did. If all XXXX credit bureaus are under the same fair credit reporting act rules why would XXXX and XXXX remove it with no problems and Equifax try and hold on to it. This is five years old. Please help resolve this matter. You may verify this letter with the XXXX XXXX XXXX all information is valid. Thanks in advance and Have a Great Day. 

XXXX
I owe a certain amount that I understand is to be paid and In good faith I am willing to take responsibility for my actions. I was properly notified about my debt owed in an ordered manner, what I did not agree on is the aggressive action took apon me of suspending my license if I do n't pay that same day of phone call without a warning or a letter notifying me the legal action. I was already trying to find income as far as getting a job to pay back my debt and was letting the agency know that I do not have money at the money at moment, I received a phone call from someone saying I owe XXXX that same day and if I do n't pay it he will suspend my license. I am XXXX XXXX months XXXX I am XXXX XXXX XXXX XXXX XXXX XXXX, I am also borderline XX/XX/XXXX which means I have XXXX XXXX XXXX and I am in n out of the hospital on top of everything happening to me and my life being at steak with myXX/XX/XXXX XXXX I am convinced to call my attorney and take this to court for stress and risking my XXXX XXXX life due to my stress. On top of that I am unemployed, have no car and I am a single mother living from home to home due to instability of support and financial reasons, I have absolutely no money in my bank account that I had to cancel my account. With that being stated I do n't agree with my license being put on hold for various reasons. How am I supposed to get a job with no license? How am I supposed to go to my doctor visits for my child and I and for the XX/XX/XXXX that I am going to have? I had respectfully told your agent that in good faith I will find money somehow that I do not have too atleast not suspend my license because that 's not the correct way of collecting. The collector did not sympathize with me at all did n't even let me talk once and if I did he said he did n't care about the situation and he 's still going to keep my license suspended. I need to take legal actions for myself and child when I do have a job or income I will pay back my debt but as of right now I have no options I 'm practically homeless need help myself to even have a burger how am I going to come u with XXXX. The collector 's name is XXXX XXXX. I hate to throw anyone under the bus but I am struggling to eve find a warm bed to sleep in at times I have a XXXX year old with me as well and I bend over backwards to make her happy and feed her with no money, while I sometimes starve which is n't good at all. All I want is patience and security that I know I will find some stability and handle this situation properly.
I have already filed a compliant and received a letter from nation star. I filed complaint in XXXX 2016. The letter from nationstar said they were looking into my compliant and wood have an answer by XXXX XXXX 2016. I 'm still waiting. Now I received a letter from nation stars attorney and it said that our home would be sold at auction on XXXX XXXX 2016. Now what do we do?
I was issued a {$50.00} prepaid debit card through a rewards program with Pentagon Federal Credit Union. The card expired XXXX with none of the money ever spent. I am now being told by the phone number on the card ( XXXX ) and PenFed rewards program ( XXXX ) that none of them are able to refund my money or issue a non-expired replacement card. The rewards card # is XXXX
In XX/XX/XXXX I began XXXX school with a unsubsidized and subsidized loan. I was counting on Public Service Loan Forgiveness via the XX/XX/XXXX College Cost Reduction Act. Shortly after graduating, my loan was sold or transferred from XXXX to Aspire. I was set up on a " level '' payment plan- {$490.00} a month. I called Aspire repeatedly to make sure I was on-track for PSLF. Aspire 's phone staff/loan counselors assured me repeatedly year after year that I was on the right track and I just needed to keep making payments. At one point I had even inquired about income based rates and had been told if I deviated from the level plan I was on, I would lose loan forgiveness. In XX/XX/XXXX, my loan was transferred to XXXX. XXXX informed be that no payments I had made would be eligible for the PSLF, despite what Aspire told me. I called Aspire who tells me they shredded all my docs and everything went to XXXX, other than that they conveniently have no record of me. I am now out 10s of thousands of dollars that never went toward PSLF and I have to start all over again! I have paid approximately $ 40K! Had I been on an income based plan, I would have paid a faction of that before I was paid off. Aspire misled me and is now trying to pass the buck to XXXX. XXXX helped me by being truthful. Aspire misled me and cost me years and money! This is wrong!
I am complaining because my loan payment has increased immensly. I am repaying my loan on a repayment plan and i am not informed that i am paying interest only. Navient is not applying my payments toward principal at all. I owe over 43,000.00 in principal and i am not making a dent. I have been paying this loan back consecutively for two years and nothing has been applied toward principal. I called but no call back. It doesnt make sense how my initial loan payment was half that amount and now ten years later after i graduated it is twice as much. I deferred for years due to financial hardship and didnt pay interest but i should still have money put toward principal. This is not right.
I am a veteran, I have recently moved to the state of XXXX. The following inquiries appear on my credit report. The inquiries were made without my authorization. Please delete or remove the inquiries promptly within 7 days. I am a victim of someone inquiring without my permission.
Account was paid off in full and I guess there was a remaining balance of 70 something dollars and when I was informed I paid off in full they put it on my report I spoke to them they said it was a mistake it shouldve been removed account was paid off for years early I spoke to them on several occasions they promised me that it would in fact be removed
Amex Serve has a policy of holding a consumers funds 7 days after a transaction is cancelled. They claim to not have the ability to release the funds even if you submit proof from the merchant that the transaction has indeed been cancelled. I submitted a complaint within the last 3-4 weeks and received a vaguely worded response that in no way addressed my concerns. While I 'm quite sure this practice is not illegal, it is a great inconvenience to the consumer.
On XXXX XXXX, 2015 my mortgage company Wells Fargo Home Mortgage made an unauthorized payment to my account of {$2000.00}. without my consent. I called the mortgage company immediately after learning about this problem. I was told on XXXX, 2015, an outbound call was placed to my residence and a male answered the phone. The representative asked the mal if they were authorize to make payments on my loan. The male said, " yes ''. I am the only person on my loan, sole owner of this property without any third party contacts or co-borrowers. As a result, my bank account was overdrawn by {$1000.00}. I was informed by XXXX from Wells Fargo Mortgage that a previous representative made an outbound call to the home and used my previous banking information that was on file to submit the transaction. The male that they are referring to is my son, whom does not know my banking information or any of my personal information. The representative failed to use proper protocol procedures and failed to abide by XXXX Law. I was told that this is a negative on my behalf and can be sought out to be writing bad checks. I requested a reversal of this transaction, I was told it will take 3-4 business days but there will be several ( 4 ) insufficient fund fees totaling {$140.00} that would be charged to my account not along the outstanding fees from the other companies. I am requesting that my money be refunded back to my account, all overdraft fees be waived, and that they pay for the company insufficient fund fees along with a letter of resolution and my credit report clear from this matter.
On XXXX XXXX, 2016, I received a letter from " Bank of America '' stating as follows : " After a careful review, we 've made a decision to close your account above ''. This was a total surprise for me. 
I have had XXXX accounts with Bank of America for over 10 years ; XXXX business accounts, XXXX saving accounts and XXXX personal checking accounts. 
I called the bank to find out what it was ; I received nothing but rude answers that the bank has the right to close the account. I called the back office business support ; they said they had no idea why it happened. My accounts were never overdrawn, I never wrote a bad check, I kept a total balance that was for the most time at XXXX figures. I have a perfect credit with recent score of over XXXX. 
I can only conclude that my information ( and others ) at the bank was compromised, and the bank in order to avoid any liability asks to close the account. Or alternatively, the type of accounts that as agreed pays almost no fees may not profitable to the bank. I can not find any other conceivable reason. 
I am seeking help to force the bank to give me the reason for the closure of my accounts. 
Upon search on the internet, I found out that there numerous people with similar situation, where Bank of America took the liberty to close their accounts without a given reason. 
I am open to show all my bank statements, with all transactions, and all supporting documents for any underlying transactions that took place in my account. 
I think this issue should be presented to all State authorities that regulate banks in my case the State of Florida, as well as government agencies. 
Thanks
On Saturday XX/XX/XXXX  , I w ent to a  Citibank bra nch located at :   XXXX   XXXX   XXXX  ,  XXXX   XXXX , NY  XXXX .  <P/> I asked the personal banker there, to open an account based on the {$300.00} promotion advertised b y Citibank.   <P/> She said that she can assist me with this. Then she asked if I had been a previous customer wi th Citibank. I re sponded that I had been a prior customer and that I had closed my accounts wit h Citibank as of  XX/XX/XXXX .    I was told by the personal banker that the rule for eligibility for the promotion is that I should not have bee n a Citibank customer in the last 24-months.   <P/> I brought to her attention that the disclosure print in the promotion states that to be eligible for this offer, the customer must not be OR have been an owner of a citibank account in the la  st 60-days.
<P/>
The personal banker, told me that based on Citibank 's own rules, the rule is 24-months and that I would not qualify for the promotion. However she did offer to open an account for me, but without honoring citibank 's own advertised promotion.
<P/>
I then proceeded to speak with the branch manager on duty then. She explained that Citibank has its own internal policy which explains to not honor cash bonus promotions unless the customer did not have an account in the last 24-months. She did not care to read the disclosure to the current offer that I had asked for, but she was willing to show me prior offers that had disclosures of the 24-month limitation. I refused her explanation as those offers were already expired or were different from the current offer I had asked them about. She also could not provide any written explanations on why the {$300.00} offer could not be honored. Additionally, she kept pointing to an internal citibank rule ( she could not show it to me ) to not honor cash offers unless there was 24-months since the customer closed the previous account.
<P/>
I re-read the fine print and the whole disclosure, and I still did not see any hint or anything related to the 24-month limitation.
<P/>
What made me file this complain was the excellent work that consumerfinance.gov did in here.
<P/>
https : //www.consumerfinance.gov/about-us/blog/citibank-to-refund-700-million-to-credit-card-customers-for-unfair-and-deceptive-practices/ I am attaching a copy of the offer to support my complain.
<P/>
Thanks.
I applied for a modification to my XXXX loan, serviced by Seterus, Inc. seven times since XXXX XXXX with fax confirmations that I supplied all of the supporting documents required. Each time, I was declined for 'failure to provide all of the necessary paperwork/documentation ', which XXXX XXXX XXXX Seterus confirmed was not accurate in XXXX XXXX. 
I was approved for a forbearance for XXXX, XXXX, and was told to reapply for a modification in XXXX, XXXX, which I did. After originally being declined for 'failure to provide all of the necessary paperwork/documentation ' again, XXXX XXXX advised I was approved for a HAMP Trial Modification for XXXX. My obligation was to make payments on time and work with a counselor, which I did. I spoke with XXXX a Seterus representative in XXXX, who confirmed receipt of all payments timely, and who stated he would could take my statement about the counselling, and said he would send notes and questions 'up the ladder ', and was sure the declination would be rescinded, and would ask XXXX XXXX to look into the issues. I formally requested the declination be appealed and looked into again in writing in XXXX, XXXX. 
I have now called XXXX XXXX five times since XXXX XXXX, with no response. I am concerned. She had been a 'voice of reason ' and good communicator through the loan deferment and Trial Modification HAMP processes, yet unresponsive since that time. I wrote to XXXX XXXX and sent her a copy of the counselling report XXXX XXXX, XXXX, and have had no response. 
Since the XXXX XXXX, XXXX letter, I have receive XXXX generic default letters, a privacy statement letter, a letter confirming receipt of my correspondence from Seterus, and a telephone call from XXXX XXXX at Seterus asking 'what I intend to do to bring the delinquent balance current and with the property '. I asked if she had read any notes in my file, she stated she had not, so I told her I to read my file, as I was awaiting a response from Seterus based on my XXXX communication. I no longer am receiving emails advising me that I have messages in my secure online email box at the Seterus website. As I filed bankruptcy, XXXX at Seterus advised that I am not able to login to the Seterus website. Last I was able to see prior to being redirected by the Seterus web site, there are over XXXX messages that I am unable to read in that mailbox. 
This is the same type of lack of communication I experienced with Seterus after requesting a loan modification now SEVEN times since XXXX. We are now in XXXX! 
I have already paid the XXXX and XXXX XXXX payments at the XXXX modified amount, which have cleared my bank. 
I wrote to XXXX again, requesting a status on XXXX XXXX, XXXX. 
I am hopeful that this type of communication is not happening with every loan they service, and am concerned that maybe it is only happening with loans where they have determined that the property is worth more than the loan balance, like mine is. 
Please help me to get this resolved. I am in a very difficult financial situation, and am just able to make the modified mortgage payments. 
Thank you,
Barclay has far to many hoops to resolve this credit card purchase trial and accept disputation as the way to resolve the issue. I tried the sftware last year, did not like it did not renew. Now it is on my card and Barclays will not accept my claim that I do not want the software.I never do automatic renewals. The type of fraud is quite frequent and certainly is known to Barclays.
There is a Hard Inquiry on my report from XXXX XXXX. 
XX/XX/XXXX I have lived at my current location since XXXX and was not looking at any other properties on or around XX/XX/XXXX. 

The Company information on my report under the Hard Inquiry is : Institution Information XXXX XXXX XXXXXXXX, PA XXXX ( XXXX ) XXXX This is the first mode of action I have taken.