WillisBack/dataset-financial-user-claim huggingface dataset:
These companies are doing hard inquiries on my credit reports whenever the feel like it. there are no information on these companies except for the names which are " XXXX XXXX '', " XXXX XXXX XXXX '', and " XXXX XXXX XXXX  XXXX ''.
I opened a CitiGold checking account online in XXXX of XXXX. At this time I was already a Citibank customer with an credit card account that earns their 'XXXX Points '. The checking account was opened using a promotional offer that Citi had, which provided a bonus XXXX Points ( worth approximately {$500.00} ) once the following conditions were met : that I make XXXX bill payments in XXXX separate months within 2 months of opening the account. I opened the account, and verified ( via Secure Message and using their Online Chat application ) with Citi that my account was opened using the promotional code, and that I had met the requirements of the bonus. I was told in accordance with the promotional terms that the bonus points will post within XXXX statements or 90 days of completing the requirements, which would have been XXXX XXXX, XXXX. It is now XXXX XXXX, XXXX, and I have paid {$90.00} total in monthly fees to Citi, and Citi has not upheld its side of the promotion. Citi now claims that I was never eligible for the promotion, despite the fact that they confirmed my eligibility several times and provided specific dates and milestones that correlated to that eligibility. This is very unfortunate in that in the seven months this account has been open, numerous Citi reps have confirmed my enrollment in this promotion, eligibility and satisfaction of the promotion requirements to earn the bonus for this checking account. The last Citibank rep I spoke with told me that the points would post within 90 days of meeting the requirements. Only now, after they have collected fees for 90 days of waiting, did Citi decide to inform me that I am not eligible. If I was ineligible, why was I not informed earlier? I understand that Citibank reserves the right to 'target ' specific customers for promotional offers, however, the onus is then also on them screen applicants who apply for their eligibility for said offers. Instead, I was able to open an account under this promotion, and then falsely told multiple times that I would receive a bonus which is now not being honored. Therefore, I find this practice to be very deceptive and would like to file a complaint.
I purchased a car that had a bad engine in XXXX 2011 from union XXXX in XXXX XXXX CA. I took the car in multiple times to have it fixed but the car company refused to fix it and basically said I was stuck with a car with a bad engine and I still was required to make payments. I was unable to afford to fix the car so I called the company and had them come pick it up. Shortly after they started contacting me to pay the amount owed but without a job or income, I could n't pay. Recently I have tried getting information as to how much is owed on the car once they sold it to no avail. The company will not cooperate and when I look on my credit report they are reporting the delinquent account twice and with XXXX separate account numbers and identifying information which is dramatically affecting my credit score and my everyday life. I did not have XXXX accounts with them so they should not be reporting this way. I have contacted the credit bureau to have the information corrected and have been doing so for years to no avail. Every time the company updates the information they update the name of the company or something else but they will not remove the duplicate listing. I have attached a copy of my credit report as of today and a copy of one from 3 years ago showing the difference in information being reported. I feel that this is fraud and the company needs to be held responsible. I am trying to rebuild my life after being a victim of the economic downturn and I find it hard to do so due to the fact that this company is blatantly violating the law by reporting this information inaccurately and refusing to remove it. I think you should investigate them and ensure that this behavior does not continue because damaging someones credit like this is not only unscrupulous but illegal according to the FCRA.
There is a public records on my credit report with Equifax stating that I had bankruptcy that is being reported in error. I 've contacted the furnisher listed on my report using the address that they have reported to verify my account, but the letter returned to me as " not deliverable ''. 
I then contacted Equifax and informed them that they are reporting erroneous information on my file. They 've responded as " verified '' and information remains. Equifax continues to report false information. 
I 've also contacted the organization that Equifax claimed they verified the information from and they have not responded to me. 
This is very damaging to my credit and I I demand this furnisher be removed from my file that they are reporting. It is hurting my credit. I get no verification authenticating that this account belongs to me. 
I 've attached my initial letter I 've sent Equifax along with the response they 've given me of my dispute. It does not makes sense to me to keep information in my file that do not belong to me nor if I ca n't verify with the furnisher of validation that this account does indeed belong to me.
Collection Service Center contacted my employer about a debt I was never billed for by the original creditor, never billed for by their company, nor made aware of in any manner prior to their contact. My receptionist took placed a message on my desk which read " Credit company called, they are attempting to contact you regarding an unpaid debt to XXXX XXXX, please return their call. '' No attempt at all was made to protect my privacy, the most the caller should have stated was their name, that it was a personal call, and a number where they could be reached. After their contact I checked my credit online and found the debt listed on my credit report. I attempted to contact the number she gave me as well as the number listed on the credit report, however, after much searching I discovered they had given and reported an incorrect area code ( XXXX instead of XXXX ). They do not answer their phones during the day, they require that you leave a message and a phone number. I can not be reached at my home number during the day and do not want them contacting me at work again so I refuse to leave my number. They have not responded to any of my correspondence.
We put our house up for short sale, it has been up for sometime. We received a solid offer based the comps in the area. Investors want an offer of {$120000.00}, which is unrealistic. When I asked if the comps were reviewed I was told not really. They refuse to stop the sheriff sale
I revieved a notice on my credit reporting service ( Experian ) that I had a pending Inquiry. I looked into the XXXX inquiry and it was stemming from my previous apartment complex ( XXXX XXXX At XXXX XXXX ). The XXXX said that my account was closed and that I should not be hearing from XXXX. They also stated they do n't work with XXXX and sent my my final invoice showing XXXX balance. Experian opened a case on my behalf but XXXX would not agree to even though I have documentation showing a zero balance from The XXXX. Experian closed my case and stated that I should report to CFPB.
In XXXX my husband and i separated, i left the home at that time ... it took 7 years to come to a conclusion and a divorce with my husband retaining ownership of the home and property. We were divorced XX/XX/XXXX. At that time the mortgage was in good standing and up to date. The divorce agreement stated that my ex husband had to put the home in his name ( refinance ). He never did. And his last payment to the mortgage company was XX/XX/XXXX. He apparently didn't want the house but didn't want me to have it either. so fast forward to XXXX, i have very little power in this process due to the divorce agreement itself, i gave up my rights to the home with the understanding he would refinance, the house sits empty, i have worked hand in hand to the fullest extent i am allowed to, and finally signed a quit claim deed in XXXX. 6 mos later i am called by selene finance who states that the quit claim deed failed. I go thru the process with them all over again and it ended with this email From : XXXX XXXX [ mailto : XXXX ] Sent : Wednesday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX XXXX Subject : RE : 2nd part of email Correct. You are no longer the owner. You deeded the property back to XXXX XXXX who is the investor/noteholder. Every noteholder is required to have a servicer. XXXX and Selene are servicers. Hope that helps! You should be receiving your check sometime next week! 

it is now XX/XX/XXXX and i am still receiving statements from selene finance stating that i owe them money for the above named property, it still sits as an unpaid account on MY credit.. I have called, i have emailed, never any response, no help, answers or a game plan. this has destroyed my life ... i have no idea what do to next. i am now XXXX years old, i left at the age of XXXX i would like to have my own home again. NEVER NEVER would i ever do business with these people again, to say that they couldn't care less is an absolute understatement.
On XXXX XXXX, XXXX I contacted by telephone Experian and was told that I could dispute inquiries that were not made by me, on my credit report. After being transferred I was told only one inquiry could be removed because it was a duplicate. I explained I had already contacted 2 of the inquiries and was told they had no record of my credit being pulled by them. Experian informed me that I would need a letter from each creditor and a letter from me before they could authorize any removals. Prior to that call, XXXX XXXX removed 9 unauthorized inquiries and that was because with them, like XXXX, my personal data had been compromised. I also explained that I did not think any creditor that did not have my authorization to pull my credit would admit to doing it by writing a letter! Currently the only inquiries that should appear on my credit is from XXXX and XXXX XXXX since I bank with them. 
Also, my debt usage is being incorrectly reported and I am unable to dispute online, they are informing me I must send them documentation in the mail before I can dispute anything! My debt ratio should be less than XXXX XXXX and they are reporting it as XXXX XXXX! My score is very low because of their mistake and I feel victimized by Experian. I am trying to apply for a mortgage and this incorrect information is going to prevent me from qualifying. Please help I am XXXX on limited income and can not meet their requirements for mailing and copying information. 

Thank you.
I refinanced my home in XX/XX/XXXX with XXXX. The loan was immediately sold to Stearns Lending. I received a refund of {$680.00} from XXXX which I wanted applied to principal only. Since the loan was sold already, I wrote a check to XXXX and mailed it to them indicating principal only. I received notice from XXXX that they received the check on XX/XX/2016. My first payment is not due until XX/XX/2016, however, XXXX applied my payment as follows : Due Date Applied Date Description Principal Interest XX/XX/2016 XX/XX/2016 PrincipalCurtailment {$9.00} XX/XX/2016 XX/XX/2016 ModifiedCouponPayment {$230.00} {$430.00} XX/XX/2016 XX/XX/2016 OriginalLoanSetUpDate $ XXXX My loan account was not finished being set up until XX/XX/2016. Each email ticket took about a week to receive a reply. 
On XX/XX/2016, I called and finally reached a representative. She told me it takes about a week to make the change on the payment. They will not apply it retroactively to the date they received the monies. Also, it is now XX/XX/2016 and the account is still not fixed, as shown in the table entry above. They are saying my next payment due is XX/XX/2016. I question that they are still not applying my payment properly and holding my monies as early payment rather than a principal payment.
I took out a couple loans in 2013 against my XXXX XXXX. The following year, due to uncontrollable bills from XXXX XXXX, I had to begin the process of filing for bankruptcy. The past 6-12 months this debt collection company, Retrieval Masters at XXXX, calls me multiple times daily to inform me a lawsuit is being served to me for criminal intent. My Bankruptcy Attorney has tried to call them numerous times, but the debt collection company hangs up on his office as soon as they mention they 're representing me. Last week, this company called a friend I used as a character reference for the loan and told him I committed Internet Fraud, or something similar. They call 6-10 times a day and this has got to stop. Thank you.
never late paying apartment rent nor deposit..never late during my two and a half years there ... followed instructions on terminating lease yet got billed for a months rent plus cleaning and damages caused by the maintenance man on a prior incident where he knocked over a fire extinguisher that sprayed all over the place and in the air and under the appliances ... .not my responsibility. I WAS NEVER EVER LATE! manager seemed to hold a grudge against anyone with suggestions of improvement in this seniors facility, and personality changed.
I placed an order for currency on XX/XX/XXXX, was charged, but the currency was never delivered. Case number XXXX. 

I am being told over the phone " it is being escalated '' and " they have to respond to the case '' but it has been nearly a month with no reply, and no way to contact " them. '' I do not want to dispute this charge.
I have filed multiple complaints XXXX on this going all the way back to XXXX and have filed multiple complaints on XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXTransunion.com XXXX, XXXX XXXX Fax : XX/XX/XXXX Additional documents being mailed. 
Dear Ladies and Gentlemen ; The reason you have received this letter and old copy of my TransUnion credit report is due to the multiple, nearly monthly credit reports disputes regarding XXXX formerly known as XXXX. 
The letter by an unidentified individual at TransUnion clearly states that " Our goal is to maintain complete and accurate information on Consumer credit reports. '' It goes on to state that the company reviewed my information and " After reviewing XXXX complaint, we are unable to process his request because we were not able to determine the nature of his dispute. In order to investigate information contained in his report. Please XXXX provide us with the specific account name and number and specify why he is disputing it. " I have made myself clear for almost three years now, the amount of the XXXX formerly XXXX automobile account is wrong, the nature of the account is also wrong. This item considering the fact that obviously the account is being reported incorrectly and has been for some time, nearly two years, should be removed from the credit report now and forever. 
This specific matter was clearly described on a multitude occasions The balance of the account was wrong, and I was absolutely clear on this matter and frankly am surprised that this is still an issue. 
I have communicated with the lawyers for XXXX formerly known as XXXX and it was clearly an issue where XXXX restructured the financing on an automobile account and moved XXXX delinquent payments to the end of the contract and later when I dealt with XXXX debt collector 's I entered into an agreement with the debt collector for a settlement of XXXX of with at least XXXX has been paid. This matter was reinforced later by the attorneys for XXXX XXXX and I entered into litigation that was settled out of Court. 
In addition, the automobile was repossessed and the fact that the automobile was collected and resold XXXX, XXXX. The automobile was sold for the amount of $ XXXX have sent another copy of the credit report that is in dispute to your attention with the account under dispute clearly and boldly circled with arrows and the words XXXX '' If there is any misunderstanding or confusion, please contact my XXXX XXXX XXXX XXXX at XXXX. Or email XXXXXXXXXXXX, XXXX XXXX XXXX
They call me every 15 to 30 minutes daily. It is causing XXXX.
I recently tried to do a Temporary Lift of my Security Freeze with Equifax and was not able to complete it online or via phone, I kept getting a message saying 'Invalid PIN ' I know my PIN, I have my original letter from Equifax dated XX/XX/XXXX that clearly shows my PIN. 

Because of the 'Invalid PIN ' message that I kept getting, I had to call Equifax and find out why my PIN was not working. The Equifax rep that I spoke with said at first that I had my PIN lifted since XX/XX/XXXX. I said that was wrong, his information was wrong, I never did that. Then he said that my PIN had been changed when my address was changed in XX/XX/XXXX because I lost my PIN. I said that was wrong, his information is wrong again, I never lost my PIN, I have a copy of my original Security Freeze letter dated XX/XX/XXXX that clearly shows my PIN. He said again that my PIN was changed when my address was changed. I wanted to know why my PIN was changed without my knowledge, without my permission, without my consent, and why was I never notified of the change to my PIN and why was I not informed in writing of my new PIN. He said that a letter was sent to me in XX/XX/XXXX, I said that it was not, he was wrong again, I never received any communications regarding a change to my PIN. I had to ask him what my PIN is now so that I have it. I then requested a written communication be sent to me about the changes to my PIN, and a new letter be sent to me that clearly shows my new PIN. He said that he would send me a new PIN confirmation letter, and that I would receive in 7 -10 business days. It is almost 3 weeks later and I have not received a letter that clearly lists my new PIN from Equifax, or any communications regarding the changes to my PIN.
Chapter XXXX bankruptcy being reported I have no accounts in bankruptcy this was error. I have spoken with creditors ask this to be removed Violating my consumer rights Public Record Credit Reporting Standards to Begin XX/XX/XXXX Civil Judgments and some Tax Liens to be removed from many credit reports New standards for how tax liens and civil judgments are included in credit reports will go into effect on XX/XX/XXXX. These changes are part of the National Consumer Assistance Plan ( NCAP ), an initiative of the three nationwide consumer reporting agencies ( CRAs ) XXXX, Experian and XXXX  to enhance the accuracy of credit report information and to improve the experience consumers have when interacting with the CRAs about their credit report. 
Beginning XX/XX/XXXX, public record data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain minimum identifying information and be collected at more frequent intervals as follows : Minimum reporting of : ( 1 ) Name,
THERE IS XXXX INQUIRES ON MY CREDIT REPORT. AND WHEN I CALL BARCLAYS BANK DELAWARE THEY HAVE FAILED TO SEND ME PROOF THAT I MADE THE INQUIRES
i am very very upset while i understand the right the bank has to file foreclosure i want a loan modification and to pay please. I do not have time though i will if i have to to write a formal answer to the complaint. or the money. XXXX of the barriers is is my ex husband refuses to help me wtih the income taxes 2015. so i can apply for loan mod. I do have income now and can and want to catch up. PLEASE help me. filing this while i know you have the right to makes me very upset, stressed and i want to avoid it. PLEASE. i have XXXX and XXXX payments and soon will have more. I have gotten letters previously not helping me. I need to know how to pay. Please call only after XXXX and only at XXXX PLEASE. work with me. I have reached out many times and your system of sending letters is not helping. I have no money for fees so despite them being valid please remove so i can stay on the right side. and avoid taking any legal protections i want to avoid. i am working XXXX XXXX to catch up. HELP how do i pay? what is escrow shortage? who can i pay? can we set up a forebearance plan. my issue is without the ex husband doing the taxes 2015 as only he knew how to do it i am stuck I care i will do anything please. help
I went to the TD Bank at XXXX XXXX XXXX, XXXX, NY XXXX on Sunday XXXX XXXX between XXXX and Noon to make a deposit to the ATM. I deposited somewhere around $ XXXX {$320.00} in the machine, at which point the machine withheld my card and failed to credit my checking account with the amount I deposited. The machine then displayed a message asking me to speak to the branch manager. I went inside and filed a claim, but they were very dismissive and declined to give me a temporary credit. I was told to wait XXXX10 business days for the issue to be resolved and given no other recourse. This is two days worth of pay for me that has now just disappeared into the ether and I 'm being asked to remain patient while this institution decides whether or not to return MY money.
The short sale was approved by Chase on XX/XX/XXXX. Settlement was scheduled originally for XX/XX/XXXX. The documents were submitted to Chase for HUD approval on XX/XX/XXXX. The closer did not respond or even review the documents until the day before settlement ( XX/XX/XXXX ). Upon reviewing the information the closer advised that he could not get HUD approval in time for settlement and that he was backed up on other HUD approvals. He advised we reschedule settlement for the XX/XX/XXXX or XX/XX/XXXX. 

Settlement was rescheduled for the XX/XX/XXXX, ( today ). The HUD approval documents were resubmitted the morning of XX/XX/XXXX, giving a full 3 business days for review and approval as instructed in the short sale approval letter. HUD approval has still not been issued. In speaking with the Chase escalations department, there is nothing they can do and several files are backed up. I was advised to cancel settlement and wait for a response from the short sale department. 

The short sale approval letter expires tomorrow. Chase is not handling this file properly and we are going to lose a buyer. This home will end up in foreclosure.