WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX purchased laptop from " XXXX '' on account. I lost my job and XXXX. Who Knew ... When it rains it pours. It was a recession. I did not see it coming. I was unable to pay any bills including my mortgage and utilities. The account went into delinquency and later turned over to webbank to collect. XX/XX/XXXX the account was sold to attorney " Buchan and Hosto '' in XXXX Arkansas. Thats when all hell began. I returned to work and of course after being unemployed for over a year, and working now for less money, I still am in hardship. " Buchan and Hosto '' harrassed and threatened for over a year. They taxed and added on astronamical fees to the actual cost. They finally got a court order to garnish my salary. I forwarded a letter to the judge explaining my financial situation and hardship. I beg for mercy from the court. I explained the numerous medical bills I know have and the need to heal in order to work. My " little '' salary was garnished. For 4 months 30 % of my salary was taken and given to " Buchan & Hosto ''. A month after said amount was satisfied, my salary was AGAIN garnished from " Buchan & Hosto '' for additional accumulated interest fees. 7 years from XX/XX/XXXX, I am sure this account has been written off. " XXXX '' has received a credit from the government in taxes for debts annually. Where is the statue of limitations? Why do we as consumers must be punished over and over and over for the same purchase? We suffer the credit bureau as is. Then the attorneys go on a blood thirsty hunt to take your money. No matter what. If, I had not started to work and depended on the state or government to support me ; the govt would not pay any debts especially for a computer. I feel my medical bills are more important than a credit account. Double standards! The government has limits but the consumer " it 's open game ''. Garnishments from salary should not be a free for all debt collectors. I think the judge, never even read my letter or maybe they all work togeather. This is unfair. The consumer should have more protection. I only thank " XXXX '' I did not lose my home and was not put to the streets.
I submitted a police report with a police report number to Equifax and XXXX showing that I am victim of identity theft and Equifx is still reporting on my credit file, I had requested documentation on why they did not remove this from account and I have not yet receive anything from both party, and no resolution
I applied for a Wells Fargo Secured Credit Card on XX/XX/XXXX with the intention to establish a credit history and graduate to an unsecured WF credit card as soon as possible. When I applied for the Wells Fargo Secured Credit Card, neither the Account Agreement nor the Terms and Conditions specified any restrictions on the eligibility for an upgrade to an unsecured WF card. On XX/XX/XXXX, after almost three years with the card and multiple contacts with WF customer service confirming that nothing on the account speaks against an upgrade of the account and asking for more patience, WF still has not upgraded the account. This appears to be due to a clandestine addition of restrictions on upgrade eligibility to the Account Agreement and Terms and Conditions by Wells Fargo without informing customers of these restrictions. Specifically, WF added a clause rendering individuals who are not " U.S. Citizens or Permanent Resident Aliens '' ineligible for upgrades. 

The attached files are the Wells Fargo Secured Credit Card Account Agreement that WF provided to the CFPB which does not include any language on upgrade eligibility, the current Account Agreement provided on WF 's website as of XX/XX/XXXX which does list such restrictions, the Terms and Conditions at time of application for the account ( XX/XX/XXXX ),  and files that document the timing at which upgrade eligibility criteria where added to the Terms and Conditions ( XX/XX/XXXX ) and to the Account Agreement ( XX/XX/XXXX ).
on XX/XX/XXXX I applied for a personal line of credit with Wells Fargo in the amount of {$30000.00}. After applying I received a message that my application was under review. a few minutes later I received a text message from Wells Fargo 's automated system indicated that my loan was conditionally approved and that I needed to sign into wellsfargo.com/status for more details. When I signed into the website and clicked on the application it asked me to agree to digitally signature. I went through the process and and agreed. The system then told me that my line of credit request was approved conditionally upon signing the credit agreement which stated that my line requested was for {$30000.00} and my approved amount was {$30000.00}. It also indicated that my apr was 13.25 % variable. Once I reviewed the document ( several pages long that indicated all of the terms and conditions of the line of credit ) I got a pop up message that said " Congratulations you application has been fully approved ''. 2 hours later I received another text message from Wells Fargo that said my application was declined. I logged back in and reviewed the information provided. Still holding in hand a document that stating that my line approval was for {$30000.00}. I called Wells Fargo and asked for more details. They said there was a known glitch in there system. I asked to escalate as I already signed a legally binding loan agreement with them online that said the loan terms and conditions were non-negotiable on the bottom of the documents. When speaking to the supervisor, he indicated that this was a known glitch that the system was approving tons of people who did not qualify for the lines of credit since they migrated to a new platform months ago. I told him that I had a signed a legally binding contract with wells fargo for this line of credit and that this was UDAAP & Fair Lending issue. It would be one thing to deny the application but since the application had already been approved and the contract signed/executed that this was unfair and deceptive. He said there was nothing he could do and offered to transfer me to there executive office. There executive office opened a case on XX/XX/XXXX number XXXX. I was told this would be resolved within XXXX days. We are now more than 30 days out and I have not even received a phone call from them. I did receive a letter dated XX/XX/XXXX from a XXXX indicated that they needed more time to investigate and that I should be contacted no later than XX/XX/XXXX. Wells Fargo has failed to meet there commitments at every turn in this process. They are in clear violation of UDAP, UDAAP, and fair lending laws.
To my recollection XX/XX/XXXX Unifund CCR Partners seized money that I had in XXXX. I never received any notice or certified mail regarding any type of court dates. The debt was not owed to them directly. They bought the debt from XXXX. Then XX/XX/XXXX they garnished wages from my employer. To date they 've taken over {$3000.00}. I was recently contacted and notified that I was part of a class action lawsuit against Unifund CCR Partners because of their illegal and unethical business practices. Which is exactly the case with me. I won a very small amount because of the number of claimants. But nevertheless, I won the case against them.
Ford Motor Credit tells you that your payment is due on the XXXX of the month and you have 15 days before it is considered late. So, the XXXX of month is 15 days later. However, when you call to pay them, they wait 2 days to process your payment. Payment must be made Monday - Friday before XXXXXXXX XXXX. and payments made on the XXXX, XXXX and XXXX are not posted until 2 days later. Then they charge you late fees even though they received the payment before the XXXX of the month. And they report you to credit bureau for late fees.
On XX/XX/XXXX, I bought two XXXX the musical tickets from XXXX XXXX XXXX for a show on XX/XX/XXXX @ XXXX  at the XXXX XXXX  in XXXX XXXX. After I bought the tickets, I was sent an email saying someone wanted to transfer my tickets through XXXX  for a showing onXX/XX/XXXX @ XXXX ( notice this isn't the correct time - and there wasn't even a showing at that time ). On top of that, the link was broken. I called XXXX XXXX to tell them the situation, and they were confused why I would receive an email from them when I bought the tickets on a different sight. They said their service isn't used in such a way. Therefore, I emailed XXXX XXXX XXXX. I only received an automated response that they would get back to me. However, they never got back to me. From the automated email, I noticed that there was a company name " XXXX XXXX '' from the XXXX. I searched around on XXXX, and many results came up commenting that they are a scam that make legitimate looking site for shows and musicals. ( The real site doesn't have dashes in it XXXX XXXX XXXX/ ... It's easy to confuse ).

Long story short, I protested the charge with Discover for {$190.00}. The first time they reviewed it, they sided with the merchant. Therefore, I uploaded documents including emails I received showing the broken link and things I found on XXXX  showing that this company is a scam. Again, they reviewed it and sided with the merchant! How could this be? They told me the merchant claims that I received tickets via email. However, I already told Discover that the link they sent me was broken, and I never actually received tickets. Also, the tickets they supposedly sent me were for a time where a showing didn't even exist. They said they're going to give it 90 more days for a final review. I've spent several hours trying to get this correctly resolved and sending all the proof I have. Yet, somehow Discover is protecting scammers from the XXXX instead of the consumer.
I have contacted each credit bureau several times about incorrect names and addresses on my report. My name is oft-times misspelled by creditors and reported wrong. I 've submitted my drivers ' license and passport to show each credit bureau the correct spelling and styling of my name as well as my address. I 've requested to have my reports updated. To date, this has not happened. I want my name ( s ) corrected. The only names that should be on my report are my maiden and former married name : XXXX XXXX XXXX XXXX I DO NOT HAVE A MIDDLE NAME. My former married name has a hyphen, not a space between the maiden and married name ( s ), nor do the two names run together with no space. The name is hyphenated. ( XXXX XXXX ). <P/>The ONLY addresses on my report should be my current residential address : XXXX XXXX XXXX XXXX XXXX, GA XXXX *My mailing address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX *and my former residential address : XXXX XXXX XXXX XXXX , GA XXXX
There is incorrect information on this back ground check that is not mine. 

* XXXX XXXX XXXX ( XXXX ) Jurisdiction XXXX  ( XXXX ) Jurisdiction XXXX ( XXXX ) I think these belong to my father XXXX XXXX XXXX XXXX My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

What is mine is the following : Jurisdiction XXXX XXXX ( XXXX ) Jurisdiction XXXX XXXX ( XXXX )
I,  XXXX   XXXX , of  XXXX   XXXX   XXXX ,  XXXX ,  XXXX   XXXX , purchased a vehicle in  XXXX   XXXX  and santander consumer financed it. I got behind in  XXXX   XXXX ,  XXXX   XXXX , and  XXXX   XXXX . We did an extension and put those payments on the back of the loan. We agreed to remove the late payments for those months since they had been added to the remainder of the loan. All of the other late payments, there was no such agreement, therefore, they are not included, nor am i disputing. I simply want them to do what they agreed to. I have called several times and have been told, they were unable to assist me. I have written numerous letters with no response. Please advise.
i received the enclosed package from Wells Fargo flatly refusing to help me in any way shapre or form and still not taking responsibility for there mistakes. 

I asked for modification documents, short sale and deed in lieu 4 months ago, to date i have received nothing, and have been refused any modification any principle reduction without even applying for assistance. 
XXXX owns my loan Wells Fargo services this loan. Without allowing a borrower to apply for these programs without due cause is not legally allowed. Under what grounds are they denying? 

They have yet to resolve the title issues but for the protection of themselves they filed a claim with the XXXX, if they didnt mess up the modification with not properly showing liens i had no knowledge of the modification wouldnt have been allowed. 

I asked for a new Rep since it just felt like the rep assigned is continously stating they did nothing wrong. Well if you did nothing wrong you wouldnt have a claim in with XXXX. and you would be handling my concerns and providing the paperwork for programs that are in fact out there for people in my situation. 

Any thing i have asked WELLS FARGO THEY REFUSE TO HELP OR ASSIST
On XX/XX/XXXX, I deposited a check to Bank of America, in the amount of {$8000.00} but the check was payable to my wife. I deposited the check in my account. My wife told me not to deposit in my account. So I called the bank to cancel the deposit. The banker told me it was on hold. I asked why it was on hold, The banker told me the system automatically put the check on hold because it has a different name. The banker said the check may be rejected. The banker said there a debit transaction of {$8.00}, XXXX. He asked if I recognize that transaction. I told him I dont know that transaction. He told me theres a contact number by the transaction and I need to speak to them. The banker transferred me to business credit card department. I was told in the business credit card department that since I had balance on the credit card they took the balance out of my checking account. They did this without my knowledge. I told them its my wifes check. I told them since check is not in my name and fund is not mine, can they reverse the fund. The representative said since its in my account, its considered as my money. After I disconnected the call, I went the branch and told them the check I deposited, belongs to my wife. banker told me If the recipient name is different from the account holder, You can not make a deposit. I told to call the check processing department to find out more about it. I call back to customer service and they said I should talk to the fraud department. On XX/XX/XXXX, I called the fraud department and they said since the name on the check is different, the check shouldnt have been deposited. At that time check was on hold and debit transaction was pending. They said they will reject the check on XX/XX/XXXX midnight and will give me back the check in three business days. But the next day check looks like cleared So I called the customer service again and they transferred me to the fraud department. I spoke with someone in the fraud department again and they told me the check was cleared. I asked why them why the check was cleared after I was told the check shouldnt have deposited so check will be rejected that day midnight and will return it in three business days. The banker just told me check was cleared and no fund can reversed. I was told speak to their investigator. The investigator said they couldnt see image of the check so they couldnt help me. I spoke with fraud department and banker at the branch and was told the check never should have been deposited. 
I think they should give me back the check and Cancel the debit transaction that the bank of america business card department has withdrawn.
Transunion will not allow me to access my credit report online at all or they will not mail it to me after a recent investigation. I need my credit reports asap for my attorney.
I've been a XXXX customer for over 30 years. 

I currently have a home mortgage that is in default because of my business hitting hard times, an income reduction of approximately 90 % at its worst point and illness which took me out of circulation for over a year. I requested a short sale from SPS and have submitted several offers to complete it. We have had one problem after another with the servicer of this loan ( SPS ), including poor communication, no communication and taking substantially longer than standard practices allow to evaluate and close a sale. As a servicer - SPS should have issued a disposition on our complete file within 30 days. They have violated this standard several times. They need to be held accountable. They have not assigned me a single point of contact. I have not received any notices of such or any acknowledgments of my short sale application/process. 

For example, we submitted an offer to SPS a year-and-a-half ago ( XX/XX/XXXX ). It took SPS nearly a year to evaluate it. During that time the buyer was transferred by his employer to a different city and could not complete the sale. However had SPS moved in a timely manner the house would have been sold over a year ago for {$600000.00}. 

Last week we submitted another cash offer for the property and I was told on Monday XX/XX/XXXX, by SPS, that they would not consider the offer because the auction date is XX/XX/XXXX. 

I am writing to ask you to cancel the Foreclosure sale which is currently set at XX/XX/XXXX and allow the current offer, that we have submitted to SPS as the servicer of my loan, to close. There is no downside to anyone including myself, the buyer, SPS or XXXX of allowing this sale to complete. Please cancel the sale immediately and order an evaluation of this offer. I have done everything in my power to work with SPS not to lose this home to foreclosure. I do not want it to that route- I have supplied all the necessary documents they have requested in a timely manner. Please look into the violations they have committed as a servicer. If you dont, who will? If they had responded in a timely manner the last time we gave them an offer- this would have been a done deal. 

Loan # XXXX SPS
Dear Consumer Financial Protection Bureau Representative ( s ), I have received a federal direct subsidized student loan while attending XXXX XXXX XXXX, Maryland. Now I transferred to XXXX Maryland XXXX XXXX XXXX to earn my XXXX 

However, Nelnet Student Loan Servicer, my student loan servicer has already started accruing of an interest while I am still at school. Although I have contacted them several times to remove the accrued interest in my account, they refused to do so because they claim that since I already XXXX from XXXX XXXX XXXX with XXXX, I am responsible for the interest accrued since my XXXX date ( XXXX XXXX, 2016 ). I have repeatedly said that I am still at school ( XXXX status ) pursuing my XXXX XXXX XXXX at XXXX Maryland, XXXX XXXX. In addition, they also claim that non-school days such as break times, winters and summers are considered as " out of school status '' where the interest starts accruing which is NOT true. In addition to my previous knowledge, the information I found, about Direct Subsidized Student Loan, on the Federal Student Aid 's website ( on the Q & A section ) says : " Question : Do I become responsible for paying the interest that accrues on my Direct Subsidized Loans because I graduated from my prior program prior to or upon meeting the XXXX percent limit, and enroll in an XXXX program that is the same length or shorter than my prior program? Answer : NO '' I am contacting you because I am in a big frustration -- I keep receiving the same response from the subordinates and supervisors at Nelnet. I believe there should be a fraudulent activity in this " loan servicer '', and I suspect that other students might have also been impacted by these related illegal activities. 

I kindly request you to launch broader and deep investigation about all the activities that Nelnet has been doing because I feel that I am being defrauded. 

Thank you for listening.
There are XXXX judgments on my credit report that do not belong to me and I have disputed them directly with the credit bureaus and the court house and no one has seemed to provide me with 100 % legal validation that they are mine and I owe the money. There are no original creditors accounts on my credit report for these judgments and they are causing grave injury to my credit report and score. The judgments are as follows : XXXX XXXX Special Docket # : XXXX Plaintiff : XXXX Balance : {$890.00} XXXX Docket # : XXXX Plaintiff : XXXX Balance : {$1900.00}
This was an account with XXXX high speed internet.I ended the service because of poor service with there internet speed. I was told that I did n't owe any money to end this account by XXXX billing services.
I have been billed for condo association assessments for a property that I do not own and did not own during this billing period : 1. I transferred title to this property on XX/XX/XXXX 
2. The property association send me bills for the XX/XX/XXXX assessments, due XX/XX/XXXX for this property on XX/XX/XXXX, on XX/XX/XXXX, and again on XX/XX/XXXX. Each time I returned the bills in writing with a note stating I no longer owned the property as of XX/XX/XXXX 
3. On XX/XX/XXXX, Meridian Financial Services, a debt collector send me a letter stating my " debt '' had been placed with them for collections. Their contact info is : Meridian Financial Services , Inc . 
XXXX XXXX XXXX XXXX, NC XXXX N.C. Dept of Insurance Permit # XXXX Account manager : XXXX XXXX 4. On XX/XX/XXXX I wrote a letter to Meridian Financial stating that I was not the owner and that I had notified their client of this 3 times previously in writing. 
5. On XX/XX/XXXX, XXXX XXXX/Meridian send me another nasty letter demanding payment. 
6. On XX/XX/XXXX, my attorney, XXXX XXXX wrote to XXXX XXXX and stated very clearly that I had conveyed the property on XX/XX/XXXX, enclosed a copy of the deed, a copy of the Florida statute showing I was not liable for any assessments after the transfer, that Meridian Financial was in violation of not only Florida law but federal law concerning unfair debt practice act. My attorney demanded that Meridian correct any report that reflects negatively on my credit that had been reported by Meridian. 
7. On XX/XX/XXXX I purchase a car. My credit report showed row Meridian had reported negative credit to XXXX and the other major credit bureaus. As a result, my car loan interest rate was considerably higher. 
8. On XX/XX/XXXX, I received another demand letter from Meridian. 
9. I have disputed the credit reported by Meridian with XXXX. I included all of the written correspondence above. XXXX contacted Meridian, Meridian has certified to XXXX that the original info is correct. So, even after all of this, they refuse to fix their mistake. 

Meridian Financial has continued to ignore me and my attorney. HELP
This debt it 10+ years old and they will not provide proof of the original debt. We mailed the cease of communication notice in XXXX 2015, it has been received by Dynamic Recovery Solutions and they are still contacting us by mail and phone. The latest letter I have is XXXX XXXX, 2015.
Per my previous complaint XXXX, Equifax advised they were able to find my credit file on their system, and that they would send me a copy of said credit report via mail. I received nothing in the mail and now Equifax customer service are unable to locate my file based on true and accurate information provided on my part. This being my 2nd complaint requires Equifax 's immediate response and effective action to deliver a resolution. Thank you.