WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX i applied for a credit card. I was shopping around and chase had an offer on their website {$200.00} bonus for spending {$500.00} when approved. Cool i thought it asked me if i was already a customer which i am. It asked to enter info to validate to streamline the application. So i did. I did the whole application and the promotion had changed to {$150.00} i called on that day but lending was closed, so i called back XXXX XXXX @ XXXX and spoke a lady that told me it was my error that i had to reapply even though it was the same credit card. This would have been a new inquiry on my fico. I asked her why it was misleading and she said that she would transfer me but there was nothing they could do. When she transfered me i was hung up on. I called back spoke with someone becaus eof the unfair deceptive act or practice and filed a complaint on being hung up on. they said that a account manager would call me bck and hopefully get this resolved. A guy XXXX called me on XX/XX/XXXX left a messgae that i could apply again but they would not honur there own promotion, when reading disclosure if i apply for the same card they would not honor the second promotion. So im being asked to apply again even though if approved i would not be able to receive the promotion. Im not going to pull credit again to lower my score. their system did the ol switch and bait. I called and spoke with a XXXX on XX/XX/XXXX she would only take the complaint i presented. She said there would be no follow up no referance number i really dont believe they took my claim serious. 
I happen to take screen shot from the date in question and they are changimg promotions minute to minute and in my case i click on one offer and was given another I was approved by the way and now they wont take responsibility for the misleading promotions they offer or even right the wrong this is a financial impact to me since for the same purchase i cant receive the bonus originally offered. 

I dont even have the card in possession yet and already all these problems
I continue to get collections letters from a Titans Receivables advising that I owe money from a bail. I have never bailed out anyone and I do not know anyone by the name of XXXX. The bill is also spelling my name incorrect. This may be identity theft but I am not sure since I have not lost my ID in years. This is not my bill. The first bill stated a little over XXXX dollars, now I have bills stating {$3500.00} and {$4000.00} as if this is collecting interest on my credit report.
I was made aware of not  XXXX , but   XXXX   (  XXXX   XXXX  and again in early  XXXX  deleted EVERYONE 'S   XXXX   Inquiries ) and in  XX/XX/XXXX  Experian ) computer glitches that was   XXXX   XXXX    and Experian 's problem - not mine - caused inquiries to be deleted and/or We have recently updated our system to provide our customers with an even more accurate Experian Credit Report and Score, it said. Because of this, some people may notice some information on their Experian Credit Report that they didnt see before..  XXXX   and Experian later added/re added them all ( back ) onto my credit report without giving me the legally required written notice 5 days prior to them being re-added. I have contacted   XXXX   and Experian in good faith to ask them to delete the inquiries that they had illegally re-added. These inquiries have added a hardship and my rights were violated by   XXXX   and Experian. Please, help me to make   XXXX    and Experian stop victimizing me. I ask that a resolution of all of my   XXXX   inquiries be deleted permanently from my report as a violation took place when they were illegally added.
Okay so when I started my credit back in XX/XX/2018, on of the card companies I signed up for capital one credit cards, but I had an issue with them, they approved me for one card and not for another. Which is fine, thing is when I called to follow up and  make an account, they told me that the social security wasnt matched ( off by one digit ), which is weird because why would my credit take a hit if it was off by one digit? I was told I was going to get a call from them to explain what happend, and never did. Being naive to credit I signed up a few more times and my credit took a hit as result of that. Now Im not looking to see if you guys can help me out, my friend actually referred me to this site recently, I never knew the actual gov does stuff like this, haha explains my naiveness.
To Whom it May Concern, I would like to file a complaint, because I noticed a discrepancy in my credit report. I noticed that there 's a credit card on there with a balance of {$840.00} with FNB of XXXX. Please help me resolve this problem as soon as possible. 
Thank You!
I have had this account for close to a year. It has been on auto pay during that time. I have attached an accounting of my payment history. I changed bank accounts and realized that I had not corrected the information at Citibank in time for them to take the money out of the new account. I manually paid online the payment PRIOR to it 's due date ( XXXX ) and that payment posted XXXX. It came to my attention when I received a notice that I had a check not honored and that I had incurred a fee of {$25.00}. I researched my payment again and called Citibank. Even though I had made a payment PRIOR to the due date online, manually, Citibank still proceeded to take ANOTHER payment from an account that was closed AFTER I had made a valid and accepted payment prior to that date. I was connected to a foreign service and after much confusion and language issues, it was finally told to me that I CAN NOT make a payment outside of the auto pay. If I want to do that I have to call them, have them cancel auto pay and then proceed to make my payment. This sounds absolutely ABSURD to me. I 've had many auto pay accounts with other banks and if a payment is made manually before the due date, that auto pay is cancelled for THAT payment. It is a simple computer programming issue. NOT SO WITH CITIBANK. They have figured out a way to trap us into making multiple payments and paying a returned check fee for a payment that was n't even required! Furthermore, they add the fee to the outstanding balance and incur interest on top of that too! THEY WILL NOT REVERSE the charge even for an outstanding customer. I have paid off the account as of today with Citibank. I do not want to do business with a company, that for one ... I can not talk with anyone in a branch locally ( I can request to talk to a branch but that branch might be in another state ), and also an XXXX XXXX that is so intertwined with having overseas people handle their customer service. Branches are being closed everywhere it seems, my closest branch about 30 miles away is now closed. I have a Sears Card that is issued by Citibank ... I 'm canceling that and any other account I run across that Citibank is an issuing bank.
I filed for Chapter XXXX bankruptcy in 2009 and the accounts that were included in the case were listed as charge-off status. XXXX have the accounts listed as closed charge off. But after several disputes Equifax keeps listing the accounts as still open with no closed date. Therefore it is still showing up as an open charge off account and reporting as late and not closed on my credit report.
My home loan lender is Lender Live Acct XXXX, you can not contact them as my loan is serviced by XXXX XXXX XXXX, I have been trying to pay my loan payment for the last 2 weeks today I was able to reach them and found out they updated there system 2 weeks ago and lost all logons so I had to re register in order to logon an pay my payment my loan is not or ever been late but because of there screw up and because they did not notify me or anyone I should not be charged interest for the last 2 weeks its not my fault they did the update and its not my fault they wo n't answer the phone and of course not everyday that goes by they make more money what a rip off. I tried to contact them by email and it was returned undeliverable go figure.
I got calls from different area code XXXX numbers saying that if I do n't call a number they will bring documents to my home or workplace. The voice identified itself as XXXX XXXX and told me to call XXXX XXXX XXXX XXXX. His call originated from XXXX XXXX XXXX XXXX. I 've had calls like this before, and it was quiet for awhile, and now starting up again. I do n't believe I have any outstanding debts, and do n't appreciate them threatening to come to my home or work. Please look into this for me. Sincerely, XXXX XXXX ( XXXXXXXXXXXX XXXX
I have received numerous calls from the company calling my employer and impersonating a lawyer and threatening to sue me
The major credit bureaus such as XXXX, XXXX and XXXX XXXX have an obligation to the public for honesty, that mandated through the Fair Credit Reporting Act. The credit reporting agencies have a strict subscriber agreement to those companies, banks, credit card companies and collection agencies to abide by the laws of the Fair Credit Reporting Act, Fair and Accurate Credit Transactions Act, and the Fair Debt Collection Practices Act. However, debt collectors for student loans break the law continuously. Take ACS EDUCATION SERVICES for one. This agency has never shown proof that they were ever granted collection rights from a securitized trust where all of my student loans were owned. However, upon obtaining my student loan information, I never made one payment to this agency as my loans were always in deferment while I finished school. However, this agency, upon obtaining my information without a right to report it without servicing rights or ownership rights, and this same agency took my information and posted immediate 90-day late payments across the board on at least six separate accounts. This abusive practice by student loan collection agencies is abusive, and I have been the victim of an agency that in my belief had no rights to servicing or ownership. Accordingly, this agency has violated my rights under FCRA and the subscriber agreement they signed with all pertinent credit reporting agencies. These accounts must be deleted and my files purged along with my personal information.
All 3 credit bureaus show credit inquiries from XXXX XXXX XXXX which I have contacted all 3 agencies several times reporting this fraudulent inquiries. My credit reports should not contain any inquiries. My ex husband is using my name and I have reported it to All government agencies. Please remove these credit Inquires off my report as they are fraud.
I pulled a credit report and noticed a collection account. It is an amount of 120 dollars. I reached out via certified mail in an attempt to verify debt and even settle since it was a small amount. First Credit Services will not answer me with any information about debt and unfortunately I can barely understand their customer service when speaking over the phone with them. 

Back in XX/XX/XXXX spoke numerous times to trainer XXXX. Informed me only XXXX could help me. So after numerous attempts in XX/XX/XXXX turned my key fob in to XXXX as I was unable to reach XXXX.I have been charged up until XX/XX/XXXX. Even XXXX called me to get my new card security info, XXXX numbers on back of card, which I never gave out but they worked around that as I never gave consent to debit my new credit card. 
Emailed XX/XX/XXXX via online " email my club '' link asking for membership and contract info identifying myself. That email wentunanswered. 

XX/XX/XXXX called XXXX spoke with XXXX who tried to call the XXXX branch but like usual no one was in. XXXX said she would call me back when she heard back but would not give me her extension or direct line to reach her. She never called me back. Several calls later all with no answers I had to cancel credit/debit cards and get new account. Since then it appear as if penalty fees have been assessed. 
The cancellation letter and the amount to collect do not even match.
I arranged for bank # 1 to transfer my IRA account to bank # 2 that was paying much higher interest. The IRA Transfer Request I used included this statement : " If you are age XXXX XXXX or older, your required minimum distribution must be processed prior to transferring your IRA to bank # 2 ''. Bank # 1 failed to process the remaining required minimum distribution before transferring the IRA account. When I realized what happened and called them about it, they refused to admit they had made a mistake and refused to do anything to help me request the required minimum distribution from bank # 2.
The following statement consists of the information on the matter of the XXXX XXXX  account that we have gathered so far. 

After the statement there will be a few items we would like you to address. 

The XXXX XXXX statements that were emailed to us lists our address as a p.o. box address in XXXX XXXX S.D. However, we have never lived or even visited XXXX XXXX S.D. When we looked further into that p.o. box online we discovered an additional p.o. box in XXXX V.A. we were also unaware of. When we researched the new p.o. box we discovered an unknown owner that shared the p.o. box in XXXX and owned another p.o. box that shared a close proximity to the XXXX XXXX p.o. box. 

We have never received any statements prior to those you sent, upon request, thus we had no prior knowledge of the account until your company called. 

According to XXXX XXXX, payments were made from XXXX, XXXX through XXXX, XXXX, with payments ending on XXXX, which corresponds with the information you provided. However, our bank has no record of either themselves or us, the account holders, stopping the automatic payments. 

Additionally XXXX XXXX shows payments being made on XXXX and XXXX of XXXX but there is no record of payment for those two months in our bank records. 

Finally, XXXX XXXX states that the payments should have been XXXX XXXX dollars but the XXXX XXXX statements you emailed to us only show XXXX XXXX dollars as payment due. 

In conclusion we have several requests for you to look into. And they are as follows. 

1 ) We request a list of all purchases made since the opening of the account in XXXX till the last purchase made in XXXX of XXXX. 

2 ) Find out why the account was closed and who authorized the closure. 

3 ) What is the location where the account was activated in XXXX.
My XXXX Credit report shows ERC placed a collection account on my credit file. I am requesting debt validation
I have been called repeatedly by a recording from " debt collectors '' named Harris and Harris, wanting me to call their number. This occurs every few days for the past year.
On XXXX/XXXX/2016 I contacted the XXXX to help me obtain a letter from Dynamic Recovery Solutions to have an inquiry on my XXXX credit report removed. 
When I contacted Dynamic recovery solution they would not allow me to have any information involving the account because the social security numbers do not match, therefore how is the account mine if I can not access it due to the social security numbers not being a match. I have not owed any outstanding debts involving my credit in over 7 years, therefore Dynamic recovery solution had no grounds to access my credit information and it should be removed. 
Although this matter on my credit report is somewhat resolved, I would like the proof ( who the client is ) that hired DRS to perform the inquiry. Again, I have not had any outstanding debts over the past 7 years and according and to Section 213 ( 2 ) of the CPLR it states that the statute of limitations to commence an action upon a contractual obligation or liability, express or implied, except for residential rent overcharge, certain transactions described in the Uniform Commercial Code, or warranties on new homes, must be brought within 6 years after the cause of action accrued. This statute of limitations includes all " consumer credit transactions, '' such as credit cards, and is calculated to run from the date of the last transaction ( either the last credit purchase, or the last payment made, whichever occurs last in time ). 
The purpose of contacting CFPB on this matter is to reveal how Dynamic Recovery Solutions did not abide by Section 213 ( 2 ) of the CPLR, in which DRS should be very familiar with considering the nature of the business. Furthermore, DRS still has not provided any proof as to whom hired them to inquire about my consumer credit report to the XXXX. And on the letter they emailed me, it clearly has the wrong social security numbers. I hope CFPB requires DRS to produce the proof leading them to obtain my consumer credit report, which is the whole purpose of this complaint. DRS is a company that could get anyone 's information at their fingertips, and should be investigated for not following guidelines. I pray that CFPB thoroughly investigates this matter and is able to help in aid to put DRS in some type of violation of code due to this kind of intrusion of my personal information. Federal law strictly regulates who can obtain a copy of your credit report. The Fair Credit Reporting Act ( FCRA ) lists the " permissible purposes '' for obtaining a person 's credit report and I believe DRS did not rightfully have one. 

Regards, XXXX XXXX XXXX
I have been dealing with Navient to make student loans payments. Since XXXX I have notified Navient of my correct address. However, as recent as XXXX Navient representatives have indicated they have a separate address that I have never given anyone on any students loan document. How can I know what I am suppose to pay or what should be paid if I have not received proper notice via US Mail or email? This has resulted in loans becoming defaulted and credit score being negatively impacted. On at least two separate occasions ( XXXX and XXXX ) I have provided the correct mailing and email address information to me.
The company keeps reaging the account on my credit report. 
Please remove convergent isnt bonded to collect in Texas
I ca n't get Carrington Mortgage to correct an erroneous escrow analysis. My first contact/request for correction was XXXX/XXXX/XXXX. CMS Customer Service submitted my request to Escrow Dept. and immediately cancelled it. Then I called them for a status on XXXX/XXXX/XXXX and CMS Customer Service had to submit it again. This time, instead of submitting to Escrow Dept. as an escalation, they just placed it into a regular queue. I called again on XX/XX/XXXX and still they had not started on it. I was transferred to their property tax vendor who said the Escrow Dept. would need until XX/XX/XXXX ( Saturday! ) to complete it. I called again on XX/XX/XXXX and still it was n't completed. I 'm angry and frustrated because they are increasing my payment by {$300.00} a month based on an erroneous property tax projection. Please help me. This happened to me in XX/XX/XXXX and it 's the same nightmare all over again!
Please see paragraph 6, on this uploaded motion presented to Puerto Rico US Bankruptcy Court by XXXX XXXX XXXX ( XXXX ). 

Here XXXX indicates to the court that debtor ( me and my ex wife ) as of XXXX XXXX we were in arrears by 71 payments. Therefore if you subtract 71 months from XX/XX/XXXX, XXXX, it will bring the delinquency to XXXX XXXX. 

Experian is reporting this account as First becoming delinquent on XX/XX/XXXX. This is incorrect as it then would have been only 43 payments in arrears from XX/XX/XXXX, not 71. 

Therefore this account have been reported longer than 7 years from when it first became delinquent. XX/XX/XXXX and is in violation of 15 USC section 605 ( 4 ) Please order XXXX to remove this account from my Experian report and permanently STOP further reporting this account to any Credit bureau.

Respectfully XXXX XXXX XXXX XXXX
everbank claims my escrow account is XXXX short for this coming year.
they are proposing  to raise my escrow by XXXX per month and an additional XXXX
on addition to the XXXX.
THIS IS NOT NECESSARY.   SOLUTION:
simply increase monthly excrow to XXXX
this will ;eave more than enough to pay taxes in XX/XX/XXXX
I gave XXXX XXXX in XXXX Ga permission to run my credit ONE ( 1 ) time for auto financing on either XX/XX/2018 or XX/XX/2018. I can not remember the specific date. I went inside the dealership and this occurred between XXXX and XXXX EST. Instead of running my credit once through one lender, they did it with 6 different lenders, without my permission. I have 6 hard inquiries that I did not consent to in one day!
I enrolled in a biweekly interest minimizer program XX/XX/XXXX and on XX/XX/XXXX they notified me by email that the program is no longer available but I need to know where my money is that was taken from my account in XXXX previous to the email. My house payment is now outstanding and I need my money back. I 've called over XXXX times and you get a recording to call back due to high call volume. I 've emailed and no one returns my email either.
their score has n't changed from XXXX for six months, competing credit companies scores are as follows and they change ever month XXXX XXXX, XXXX XXXXXXXX XXXXThey say they use XXXX XXXX but nothing ever changes.
We had a few major medical and vehicle repairs hit all at the same time. We got behind on the loan.
I have disputed  XXXX  public records that are showing in error on my credit report. I have sent certified letters requesting that they validate it and provide proof of who and what they have that verified the information. They are verifying through a  3rd  party agency, not the original creditor. I have already spoke with the original creditor and they have verified that the credit bureau has not contacted them, and that they could n't provide the verification to them anyway by law. However even after submitting this information and requesting validation again, the credit bureau has continued to just send me notices saying that it 's been validated.
I am filing this complaint because Equifax has ignored my request to provide 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 these 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 was browsing the internet and came across a company Big picture Loans and I was in a financial burden I took out a small loan for XXXX $ and the company misled me and the interest rates were very high which was not stated initially and the payments dates were twice a month which is a tremendous inconvenience and placed me in more of a financial strain. Right now my balance is {$1100.00} which is outrageous can you please help me resolve this problem. This loan was given to me XXXX/2017. My account number is XXXX. Thank you
Wells fargo is threatening to close my account because I deposited a small amount of money into a new account with them. 

They say they dont believe the checks wills clear although one already has cleared and the rest are pending because its a weekend. I feel this is discrimination.
Since PNC purchased my Mortgage note, I have had nothing but problems logging in their website to check where my account is at. Their EST hours make it difficult for me to contact their support. I get no paper statements, they charge me for online mortgage payments ( my other lender did not ). Nothing but problems.