WillisBack/dataset-financial-user-claim huggingface dataset:
Today, XXXX XXXX, XXXX, I attempted to put a freeze on my credit report with TransUnion and XXXX. The initial attempt for both was made on-line. After giving all my personal information and submitting the request, the automated systems came back and said they could not process my request. In the case of XXXX, they provided information on how to request an alert via XXXX XXXX In the case of TransUnion, I called a number they provided and had such a bad connection that I was unable to complete the call, despite repeated requests to provide a better connection. I have n't even tried XXXX yet. My impression is that the bureaus are making it unnecessarily difficult to place a freeze on credit reports. 

Like many Americans, I was impacted by the XXXX data breach. I want to place a freeze on my credit report for each of the XXXX bureaus quickly. Any assistance would be appreciated XXXX XXXX XXXX, VA
Navien  t 1 ) The principal amount is wrong.
2 ) The interest calculated is wrong.
3 ) The company refuses to provide a detailed explanation of the amount.
4 ) The company charged interest and penalties while I was enrolled in school full time.
5 ) The company reported the student to the credit bureaus as a personal loan.
6 ) The company refuses to provide an address to a written dispute.
Debt owed to XXXX was paid in a judgement to XXXX County Court. I moved from XXXX XX/XX/2014 and the property managers later charged me for XX/XX/XXXX rent and I did n't live there. The judgement I was provided by the courts has been paid in full but a XXXX collection agency is attempting to collect for the same debt.
The collection account ( XXXX  - XXXX XXXX XXXX ) has  been disputed on many occasions due to negligence of a property managment and mishandling of personal information by the company in the time of stay the lease was legally terminated with all cost expunged. I have continued to dispute this error to get it removed from my credit file but it has been to no avail. I need this issue to be resolved
I purchased a computer motherboard from XXXX XXXX in 2010. The company was giving me the run around & did not provide any means for me to contact them by phone so I feared that it may have been a scam. The item I ordered was not delivered so I contacted my credit card company & did a charge back. Soon after that, the item I ordered finally arrived at my door. I refused the package & asked the deliver person to send it back. They received their item back & are still charging me for it.
I leased a XXXX with Ally up until XX/XX/2016. After returning the vehicle in 'mint condition ' ( according to the dealership which inspected my vehicle before the lease ended to check if they wanted to buy it in order to get me a great deal on a new car, but it was going to be too expensive for them since it was in great shape ) I received notifications from Ally that I owe them {$650.00} for 3 (! ) new tires because they were run down. This claim came as a big surprise to us since I personally measured the tire thread with the provided tool before lease end to make sure we wo n't get billed afterwards ( after all it would have not been that expensive to replace worn down tires with some that would have passed the inspection if this would have been the case! ). So after offering an independent inspection which they turned down because they claimed that they had already sold the car at auction I requested the proof that they actually had to put 3 new tires on that car before they sold it which of course I never received! They kept referring me to the pictures of their inspector ( which could have been from any vehicle since they only showed close-up frames ) which I refused to accept since and I never had even one of the tires renewed, so this must have clearly been a mix-up or intentional fraud ( they also included a minor damage in the windshield which was covered but I do not recall wholes in the windshield at all! ). Turns out all my pleas were a waste of time! After spending hours on the phone with them I finally sent a letter to them including my dispute in XX/XX/XXXX. After still only receiving account payment reminders I went back on the phone and then they told me that that was an informal dispute which was turned down internally ( which they never notified me about! ) and that I have to mail a formal dispute if I still disagree with the charges, so I did that ( this time via certified mail! ) on XX/XX/XXXX. After still only receiving account notifications I yet again went back on the phone in XX/XX/XXXX and was told they never received my letter! Of course I told them I have the receipt of the certified mail and that is says that it was delivered just fine but all they did was to tell me that I should send an email. So I did that on XX/XX/XXXX and again on XX/XX/XXXX but the only thing I am still receiving is 'urgent account reminders ' ... This is a which hunt - I am shocked that a company like Ally can pull something like this off without acknowledging my concerns one single time in almost 6 months now ... That being said this is a matter of business ethics - it 's a fraud that leaves me as the consumer powerless. Not once have they acknowledged the problem or tried to work with me. I only keep hearing back from them with regards to the unpaid balance and that they are willing to work with me in paying the 'owed amount ' off. If I had the option to make this go away today by donating this bogus amount to my local XXXX I would n't hesitate for a second, but I refuse to be a victim of a fraud like this ... Please advise and help!!! Thank you!!
I am really concerned and honestly afraid. My loan was recently sold to SLS Mortgage - Specialized Loan Servicing from XXXX XXXX XXXX. My monthly payments are {$1400.00} a month. My principal balance was XXXX on XX/XX/2016 I made an {$8000.00} payment and asked that the rest be put towards the principal. Today XX/XX/XXXX I went to look at the transaction history and it is a mess and says I owe XXXX and that they did receive and cash my payment. Please help. I called today and spoke to someone that wrote a note I the system so that I can be fixed and the guy was nice but so unprofessional. he used words like a, da, bummer. I have also never received a statement and I told the person as well and he was like a ok what kind of statement. I asked to speak to a supervisor and no supervisor. Please help, is t his a legit business?
Was signing up for renter 's insurance with State Farm and she mentioned a reward points program, but never mentioned signing up for a credit card. She automatically ran a year 's worth or renter 's insurance to the new credit card. I just wanted to pay with the XXXX card I already have, never wanted to sign up for another card.
My husband had a tenant he turned over to collections thru United Legal group. The tenant then filed a lawsuit against both of us because they threatened to harm his credit. I sent an email to put this on hold till it could be resolved. They said it could not be placed on hold had it had to be cancelled. I cancelled it and then they sent us a bill for {$52000.00} and my husband called them and they offered to settle for {$10000.00} or " make an offer ''. He told them he had other accounts to send to collections and once this is resolved, he would give it back to them to handle. Until then he thought they might have done maybe {$100.00} worth of work.They then called me and demanded the whole amount and I told them they had done nothing but send a letter and how do they think that entitles them to {$52000.00}? He said to pay it today or it goes up to {$72000.00} on Monday.I would be brought in and held equally responsible because I was the spouse. I told them if they expect to get paid {$52000.00} they need to collect XXXX times that amount to get their commission and he said the debt is owed. This is totally ridiculous. You send XXXX letter and expect to be paid {$52000.00} and then {$72000.00} from the person who hired you in the first place? I work on a commission basis and if the deal does not come together, you do not get paid. How do they think they deserve to be paid this exorbitant amount? Then we got collection letters from their partner company, XXXX XXXX XXXX, which is also threatening to damage our credit.
On XXXX I booked a room through XXXX and when I went to check-in, I was told their systems were down and they were not able to check anyone in and again, I was instructed to contact XXXX to credit back the {$91.00} I had been charged and was again unable to reach a live person at XXXX. I contact Capital One on XXXX and disputed the charge, which they issued a temporary credit, however, there was a rebill on XXXX for the {$91.00}. I have sent them a letter on XXXX explaining in detail the issue again and have yet to see this reversed.
This has been removed from my record, this was a LNI that got wrongfully billed and paid
I was going over my credit report and there is inaccurate information in the details, accounts that was discharge listed that have been reported are not accurate XXXX/XXXX # XXXX, XXXX XXXX XXXX # XXXX, please delete this account is not correct. There is a bankruptcy that is inaccurate. There are addresses listed on my report that are not mine : XXXX XXXX XXXX, XXXX, NM XXXX XXXX XXXX XXXX, XXXX, NM XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, NM XXXX Please remove the following phone numbers : ( XXXX ) XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX I have attached my ID for my address proof of my only address.
I initiated this account for short sale on XX/XX/2016 by submitting lender package, offer and all required financial docs good through 90 days. On XX/XX/2016 we spoke to Freedom Mortgage and they confirmed that our package was received and a processor was assigned for review and all documents has been received but as per FHA guideline this loan must be reviewed for a Home Retention option first and it might take up to 30 days for the review to be completed. FHA Loan modification denial letter was sent to me dated XX/XX/2016 due to " Insufficient Income-Ability to Repay. '' Since the loan modification process was denied, we then called Freedom Mortgage on XX/XX/XXXX, to request them to order an Interior Appraisal as there was no interior value for this property. After document review was completed, on XX/XX/2016 I have received an email from their XXXX XXXX stating appraisal has been ordered. I received a call from an appraiser for access on XX/XX/2016 and access was provided on XX/XX/2016 and the value was good through XXXX/XXXX/2016 the appraisal was completed successfully. 

After several requests, we finally received a copy of the appraisal on XX/XX/2016. Then the value came back very high and freedom mortgage advised to dispute the value. The valuation dispute was submitted XX/XX/2016. On XX/XX/2016 the freedom mortgage XXXX XXXX sent an email stating Loan has been reviewed and determined sufficient value based on current as-is appraisal & AVM. Dispute the offer and supporting documents, the value dispute was denied out and the lender closed short sale process completely without a chance for the buyer to counter. 

On XXXX/XXXX/2016 we reinitiated the file again for short sale by submitting fresh package with all updated financial good through 90 days, offer and lender package. Then I was advised by the servicer that FHA extended the value expiration and it expires in 6 months which is XX/XX/2016. So, I was advised by freedom mortgage that they will order a new appraisal once the current value expires. When we called in freedom mortgage on XX/XX/2016 to get an update on the short sale review and the status of appraisal order they are advising me that the file needs to go through Home Retention Water fall process again whereas it has not even been 7 months since it got denied for Home Retention option on XX/XX/2016. In regards to the appraisal order they are advising me that they do not know when it will be ordered and they are not giving me any clear update on the file. When requesting to speak with management, I was also denied. Freedom Mortgage representatives are even advising me to call FHA for any updates on this file whereas they are servicing this loan.
On XX/XX/2018, I received 2 letters from Bank of America closing the 2 Rewards credit cards I had with them. I have had a credit  card with them for probably about 15 years and pay off my bill every month.The reason given : " Irregular authorized user activity on one or more of your accounts. '' They also ran my credit score which is XXXX. 
When I called them on XX/XX/2018, after being on hold for over an hour and passed around to another department, this is what I found out. ( Dealt with someone named XXXX XXXX ). He said that three people were added onto my credit card ( s ), in XX/XX/2018 : XXXX XXXX, XXXX XXXX, XXXX XXXX. They did this by somehow pretending to call from my home phone ( which is the phone the credit cards are tied to ). I do not know any of these people nor has anyone been inside my house by themselves over this time period. The B of A person could not or would not tell me what other personal information B of A asked for in order to allow this. I was shocked : 1. ) B of A closed my credit cards with no fraud alert or warning ( I monitor one of the cards online ; the other one is not set up online but I monitor the paper bills every month ) 2. ) It took B of A 8 months to inform me 3. ) I monitor credit card charges and nothing suspicious has come up. 4 ) I  have close to XXXX cash back points on one card and probably about 1600 on the other card. B of A said there was no way to give me these points now. This is a considerable sum of money owed to me. I have one more credit card bill to pay for about {$140.00} by the end of XXXX and I can't even use the points for that?
In XXXX 2016, I was induced to open a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX XXXX XXXX AAdvantage miles in exchange for opening a CitiGold account and scheduling two bill payments from the newly opened account for at least 2 consecutive months, and making at least {$1000.00} in total debit card purchases. 

After enrolling with the promotion code, I contacted Citi to confirm that they had my XXXX XXXX AAdvantage number ( XXXX ) and I also received confirmation that the XXXX bonus XXXX XXXX AAdvantage miles offer was successfully attached to my account. 

During XXXX of 2016, I confirmed with Citi that I had successfully fulfilled all of the terms of the offer and I was told by Citi to expect my bonus miles on or before XXXX XXXX, 2016. 

On XXXX XXXX, 2016, I did not receive my bonus points as promised. 

Citi is now stating that they require the original bonus insert, which would have been sent out 6-8 months ago. It was explained to me that the original insert is required to prove I qualified for this offer, despite numerous interactions with representatives who assured me I have qualified and met all requirements to receive my bonus. I disposed of this mailer after opening my account, since Citi customer service confirmed to me that I was enrolled in the offer Even though I have been assured by Citi that I met all requirements to receive my bonus, the bank is now refusing to honor their end of the agreement. 

Citi must credit my account immediately or additional steps will be taken to collect my promised bonus. I am extraordinarily unhappy and suspect that Citi routinely and systematically defrauds their customers.
The credit card company, Bank of America, received a payment for the balance and this account and then we requested the account be closed. Bank of America received a second payment in the amount of {$2400.00} from XXXX XXXX in error. The account is currently reflecting a credit balance and Bank of America is stalling and screwing around, taking their time getting this money back to me. They have now had a credit on a closed account since XXXX/XXXX/17 and the funds still have not been returned to me. They have told me it could take up to 60 days which is unacceptable as they are making interest on money not due them!!!!
The Credit Reporting Agencies are reporting a Chapter XXXX bankruptcy discharge, identified as XXXX # : XXXX, on their own conduct and behavior. I did not give the Credit Reporting Agencies any Prior Direct Consent to communicate this information on my private credit file. Further, Bankruptcy Courts does not report or attempt to report Items on a consumers private credit file. These actions are solely being done by the Credit Reporting Agencies and/or their Agents. 

The reporting of this information is also obscene and profane which lead to the natural consequence being abusive to me the consumer before and after reading and hearing this information.
My XXXX XXXX Visa payment history shows I was past due in XX/XX/2018. This is incorrect and have disputed successfully this issue with XXXX XXXX via CFPB ( see attached complaints letters ) who now alleges they submitted the request to you to update my credit report however this update has not been made. The XXXX  and XXXX reports have been updated to show no missed payments and a balance of XXXX. I have previously disputed this with Equifax however the dispute was not solved in my favor. Basically XXXX XXXX blames Equifax and Equifax blames XXXX XXXX. Meanwhile all creditors think I am delinquent because i did not pay XXXX $ which i did not owe for the month of XX/XX/XXXX. Please update my payment history to show my account closed in XX/XX/XXXX and delete the delinquency for the month of XXXX XXXX.Please do not close this complaint without remediating the information on my report and do not defer me to XXXX ( see attached complaint response letters from XXXX ).
I was notified by the credit bureau that my account with Synchrony Bank ( XXXX ) was closed. After receiving the notice from the credit bureau, I received a letter from the bank saying that my account was closed because of high balances and a delinquent account. There were fraudulent charges on my account which led to the account reporting incorrectly. The bank never contacted me to see if the information reporting was accurate. I should have been given the opportunity to explain. My account payments have been timely and always paid more than the minimum amount due. I feel that my account was targeted and closed based on my ethnicity.
I am submitting a new complaint to the CFPB as the scope and supporting evidence of my complaint has drastically increased since my original complaint ( XXXX ). I was instructed to do so by a CFPB representative after I called to present new information I have obtained concerning additional improprieties such as forgery of loan documents by loan officer XXXX XXXX XXXX and Secure One Capital. 

On XX/XX/XXXX, XXXX XXXX ( HR Manager / Director of Business Development at Secure One Capital ) provided an interim response to my original CFPB complaint ( XXXX ) and submitted copies of the Uniform Residential Loan Application dated XX/XX/XXXX allegedly signed by my brother ( co-borrower on the loan ) and me ( file name : XXXX FINAL XXXX ). I am reattaching the exact document they provided in the event they remove the forged document and it is no longer referable. Upon reviewing the submitted documentation from XXXX, it is obvious to my brother and me that his signature was forged ( page 9/10 on the Borrowers Signature field ) because : 1. The signature does not match his legal signature. His legal signature can be confirmed by reviewing previously submitted loan documentation which I am attaching to my complaint ( XXXX ). It can further be verified by viewing the signature on his valid California drivers license ( attached : XXXX  ) and by contacting the remote notary used by XXXX XXXX ( XXXX XXXX XXXX, XXXX, CA XXXX ( XXXX ) XXXX ) which has an official record of his signature that he provided on XX/XX/XXXX. 
2. The Uniform Residential Loan Application dated XX/XX/XXXX was not electronically signed, so there is absolute expectation that the signature in question should match his legal signature ; it does not even remotely resemble his legal signature. 
3. Since my brother ( co-borrower ) is located several hundreds of miles away from the Escrow office ( XXXX XXXX in XXXX, CA ), the final loan documents had to be sent by over-night carrier to a remote notary for my brother to sign on XX/XX/XXXX. The forms were subsequently sent via over-night carrier to XXXX XXXX office for me to sign on XX/XX/XXXX. The final loan documents that Secure One Capital deceived my brother into signing on XX/XX/XXXX were given back to me by notary XXXX XXXX at XXXX XXXX on XX/XX/XXXX when XXXX and I noticed the back dated loan documents. As a result, it would not be possible for Secure One Capital to have certain loan documents from my brother dated on XX/XX/XXXX. 

It has become clear to me that as a result of my refusal to sign the back-dated loan disclosures provided by Secure One Capital and XXXX XXXX, they were missing legally required loan documents that needed to be submitted by certain dates to maintain compliance. Since XXXX XXXX ( Loan Originator Identifier XXXX ) signed the Uniform Residential Loan Application containing a forgery of my brothers signature, I can only conclude that he, and possibly other Secure One Capital employees responsible for the loan documentation, forged my brothers signature and were fully aware of their illegal actions.
XXXX XXXXXXXX XXXX is reporting what appears to be a medical debt on my credit report which I have NO knowledge of. I am fully insured with medical insurance which pays 100 % of all of my medical needs. This listing gives a date opened of XX/XX/2018. Again, I am NOT aware of this debt as being mine and I have disputed it with XXXX  but just got the dispute results back saying it has been updated. The original creditor was XXXX XXXX. I do NOT recall having any medical service done that would generate a bill such as this. Otherwise, according to a new credit reporting law, a listing such as this one is NOT supposed to be added to a credit report until AFTER 180 days giving the insurance company time to pay this. XXXX will NOT remove this.
XXXX is listed with 120 day late payments on my XXXX and Trans Union reports, which are not accurate. I disputed first with both XXXX and Trans Union, and both have kept the late payments on my credit report. I wrote to XXXX, asking them to update the information with XXXX and Trans Union, but never received a response back. I disputed again with the XXXX bureaus, only to have them add a remark to my account. The remark is not helpful when the information is incorrect.
I disputed fraudulent information on my credit report beginning XX/XX/2018. I have provided 2 police reports and numerous other information but still they are leaving on my report fraudulent accounts with XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX   XXXX. I have even provided an internal fraud report number for XXXX  after visiting a local office. I was not even in the country when this happened. I was XXXX XXXX military. XXXX  has done nothing but tell me that I have to provide more information. I am about to lose my home which will make my family homeless. I faxed XXXX  a police report on XX/XX/XXXX and they stated they required a different format which I faxed them on XX/XX/XXXX. I have fax confirmations. This is after several letters dating back to XX/XX/XXXX. Spoke to XXXX at XXXX. 

I did send the same to Transunion and they have removed it from my credit report while it is being investigated. They should have been done with their investigation as I started this in XX/XX/XXXX. Spoke to XXXX at Transunion. I have a copy of the return receipt for Transunion. 

XXXX  has removed it and has been good to work with. 

XXXX has been very difficult on every level.
On XXXX XXXX, 2017 I wrote Equifax that XXXX XXXX XXXX was charging me for fraudulent charges on my card XXXX and that I refused to pay them. I sent Equifax 60 pages of evidence supporting my claim. Equifax had, nevertheless, damaged my credit rating for refusing to pay fraudulent charges.