WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX in XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ph. XXXX gave me a auto-title loan on or around XXXX XXXX, XXXX and at the time I was XXXX ( as of XXXX XXXX, XXXX ), not receiving any XXXX then or since, or had no means at all to repay the auto-title loan. I did not have to provide any proof that I had a job or any means to repay the loan, only previous pay stubs from a job/employment that I was no longer affiliated with. We went through the paperwork so fast, all they said was sign here, here, here, here. The were out to process as many loans as they could. In XXXX XXXX, another refinance, and then in XXXX XXXX, they towed my XXXX XXXX XXXX, to get out of the pound, my neighbors and friends pooled together over {$550.00} to get my van back. Not only was I charged by XXXX for the tow bill, I also had to pay the tow company ( which I paid separately ) for the tow bill. XXXX billing. The amount of the original loan was only {$700.00} plus all these other charges which I was unaware of.. {$870.00} initially. They call my phone XXXX a day everyday wanting to take my only means of transportation with threatening messages that they are sending this to legal. I feel like I 've been violated. This company is TMX Finance in XXXX XXXX XXXX XXXX, GA XXXX as InstaLoan in XXXX, GA XXXX. I have contacted and filled out application for assistance from XXXX XXXX XXXX XXXX Florida on XXXX/XXXX/XXXX and gave them copies of all the loan paperwork, etc. that I have. I 'm still XXXX, XXXX, receiving XXXX, no unemployment, and have received no other income whatsoever before this action up through today. Please help me as I feel this entire business is crooked. My next step is to take this to the local newspapers for print.
This company has filed a collection against my XXXX and XXXX credit reports for XXXX XXXX XXXX. I have not ever had services with this company and ask that this collection account be removed from all credit reporting agencies ASAP. I did not authorize any services with the company they are collecting for therefore this item needs to be removed,
I opened a charge card account with American Express and being promised that I will get XXXX reward points after spend {$2000.00}. 
I received the reward points after I made a car rental deposit at XXXX and American Express took the reward points back after I return the rental car and get my deposit back. I called to ask American Express what's happened they told me they thought it's a purchase and return so they took the points back. 
I explained what's happened and the customer service told me no worry I will get the points back if I reach the purchase of {$2000.00} before XX/XX/XXXX. I did more purchase and reached more than {$2000.00} at XX/XX/XXXX but did not get the points back. 
I called back to American Express they told me just wait 8 to 12 weeks I will get the points. After more than 12 weeks, I called back again and been told I will get the answer after 10 business days.

After more than 2 weeks, I called them again and they told me my purchase at XX/XX/XXXX is too late. I point out I was been promises I just need reach the purchase of {$2000.00} before XX/XX/XXXX, but the customer service said she can not reach the records and will do nothing to help me. 
I had called American Express so many times and each time they ask me to explain the whole story again and the only response I got is longer waiting time and trying to sell me more credit card from American Express. I was trust American Express so I moved my major charge card and credit card account to them when their sale promised a great service. I did not expect the service will be like this and even more the customer service lied to me. 
Today the customer service lady said she can find no one to help me and there is no customer compliance number for American Express. I do trust CFPB is the only way I can let them know how much they can hurt the credit card business when lie to a customer.
XXXX account is reporting late payments and most recent payment of XX/XX/XXXX. However the account was consolidated by XXXX back in XX/XX/XXXX. XXXX  info XXXX XXXX XXXX, XXXX, PA XXXX | M-F XXXX to XXXX ( ET ) | XXXX Please call to discuss as I have a letter from XXXX regarding this matter.
There is gross incompetence at Freedom Mortgage. My previous rental property loan was transferred from XXXX to Freedom for service. Freedom mixes up my mailing address with my rental property, putting the unit number for my rental unit ( XXXX ) to our mailing address. After calling Freedom repetitively, they still have trouble fixing this error. Then they sent a letter to me indicating that my home insurance did not have the right address. It did. And they make it very difficult to update information, insurance policy, correct errors either by phone or through their online system. This company is so incompetent and one wonders what other serious errors they have in their system.
1. There has been a Chase Bank error in the XXXX Credit Report of this Complainant - consisting of a failure to comply with the 7-year maximum Federal Law to timely remove a defaulted ( " charge-off '' ) credit card debt error in this complainant 's personal XXXX credit report for the credit card debt filed by Chase Bank - listed as the Chase account beginning with # XXXX. More specifically, the error is in the 7-year removal date - where XXXX has not deleted this negative from this complainant 's XXXX report after the end date of the 84th month - the date of XX/XX/XXXX in this case ( in contradiction with the facts this complainant provided in his phone call to them on XX/XX/XXXX and via Faxed documents on the same date, creating XXXX Dispute file # XXXX ). The incorrect end-timing Chase provided to Equifax is " XXXX '' - three months tardy. 

2. The specific documentation of this 1st late fee date ( of XXXX/XXXX/XXXX ) is attached to this complaint. All of the documentation for correcting this complaint error is described in a multi-page letter filed with this 3rd CFPB complaint. Also provided with that letter are a number of documents, including ( a ) the recent Complainant 's XXXX credit report page that includes this error, ( b ) copies of an XXXX Invalid Dispute reply that fails to correct their error, i.e., a reply that ignores the documentation this complainant provided that irrefutably supports this complainant 's corrections, and ( c ) copies of the creditor 's contemporaneous monthly statement postings of the 1st late fees that proves this complainant 's correction this error - using the books of the company that incurred these charges - this complainant 's employer. The attached letter also explains how these credit card debts are all company debts and that none are personal ( non-business ) charges made by this complainant. 


3. This complainant 's lost income damages are also detailed in the attached letter. In summary, these damages are {$420.00} per week-day plus, as this complainant is a victim of fraud and as such, this complainant 's state law specifies treble damages ( of {$420.00} X XXXX ) or {$1.00} per week-day. The damages resulting from the 7-year end date credit report errors began on XXXX/XXXX/XXXX in the case of this 6th CFPB complaint involving the Chase Bank credit card ending in # XXXX ( major negative ) still in this complainant 's XXXX report for approximately 3 months after that date - if not timely removed after the 7-year end date. The lost income damages are due to prospective employers of this complainant not willing to hire him, or any job applicant for a financial or security position of trust if any major negatives appear in their credit reports. As of XXXX/XXXX/XXXX, the accumulated treble damages are {$43000.00} for six weeks and four days of damages, if the CFPB chooses to assess damages in this case.
Hello, I have hard inquires that are reflected on my credit report that I do not recognize. As a result of the numerous unauthorized inquiries, I will be locking my credit report and enabling life lock to protect me moving forward. Please see the following inquires below : XXXX Credit/Infinity XX/XX/XXXX - company unresponsive XXXX Credit/Northwest XX/XX/XXXX - company unresponsive XXXX XXXX XX/XX/XXXX - did not authorize as I am a renter XXXX XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX - Inquiry unauthorized - contacted company XXXX/XXXX XXXX XX/XX/XXXX - did not apply for home loan XXXX XXXX XX/XX/XXXX - did not authorize no account linked to my credit Factual XXXX XX/XX/XXXX - did not apply for a home loan XXXX XXXX XXXX XX/XX/XXXX - Did not authorize, did not apply for an installment loan - company very unresponsive XXXX XXXX XX/XX/XXXX - Did not authorize - contacted XXXX explained it's over the 2 year mark please remove. 
XXXX  - Contact information does not reflect on my credit report to dispute with the company, but have attempted to contact them via the internet. 
XXXX XXXX XX/XX/XXXX - did not authorize have reached out to the company failed attempt will contact once more XXXX XXXX   XX/XX/XXXX - did not authorize XXXX/XXXX XX/XX/XXXX - never heard of the company - did not authorize
On 1XX/XX/2017 I submitted a request for validation and verification of dismissed bankruptcy reporting on my credit report from TransUnion LLC. It came back as verified by the court and reporting that the court is the furnisher of the information. This investigation was completed on XX/XX/2017. On XX/XX/2017 I contacted TransUnion asking who or what entity verified this information, I was advised that the information was verified by a 2nd and or 3rd party. I notified them that with my original request I had included a letter from the court in question that states they do not verify, validate or report any information to CRAs or any other furnishers. When I asked for the source to whom performed this verification / validation, I was told they do not disclose that information and that they are not obligated to do so. This in its self is a clear violation of FCRA 611 ( 15 U.S.C. 1681I ) ( b ) ( iii ), ( v ). I further bring notice of the request for verification and or validation requested not only the verification and validation, but also the process and or systems used, any furnishers, persons and or entities used in collection of data and or information in regards to this dispute. This refusal to provide the requested information is a violation under the FCRA 611 ( 15 U.S.C. 1681i ) ( 6 ) ( b ) ( iii ) ( 7 ), FCRA 616 ( 15 U.S.C. 1681n ) and or FCRA 617 ( 15 U.S.C. 1681o ). Under FCRA 609 ( 15 U.S.C. 1681g ) ( 2 ) I will enact my rights to file a suit with the district court in my region
Hello, I have attempted to dispute the account the collection agencies who have taken an account to collections with XXXX credit bureaus in the amount of {$610.00}. The debt does not belong to me, I have attempted to speak to them and have them validate the debt in writing and I have sent XXXX letters of validation to which I have receipts for and they have failed to respond to. Not only is it XXXX company disputing the same debt in collection but it 's XXXX different companies disputing it in different credit bureaus. I will be filling separate complaints to both companies. I am reaching out of your help because as a last resort before I reach out to my attorney. Please help me and I appreciate your time.
I have two separate issues related to Citibank : First, I was charged an expedited card fee when I requested a replacement card, despite the fact that I did not request an expedited card and I was assured by two different Citibank agents that I would not be charged this fee. Second, when I requested the replacement card, I was first sent a card that had the former account number listed, which was to a closed account, was then sent the expedited card for which I was charged the fee described above, and finally, I was sent a third card that matched in account number and CVV number, causing me concern because I did not request two cards. 

-- Issue 1 -- Around the beginning of XX/XX/2018, I realized that I had misplaced my Citibank Double Cash credit card. I called into Citibank to request a replacement card and to update my mailing address since I have recently changed addresses. After speaking with a representative, I was told that they would be closing the account of the lost card for security and would be opening a new account with a new card number and would be expediting a new card to me overnight. The agent informed me that there would be no fee for the expedited card. When I received the card the following day, I attempted to activate the card, but learned through the activation website that this card was to the closed account. It appeared that Citibank had issued a new card for the closed account. 

Later that day, or perhaps the next day, I called Citibank again to inform them of this error and request a card for the open account. I spoke with another representative who apologized for the inconvenience and offered to issue me the correct card, again ensuring me that no fee would be charged for the expedited mailing. 

Upon logging into my account today, I was charged {$6.00} for and Expedited Card Service Charge. I requested that this amount be refunded by contacting Citibank via their webchat. After informing the agent that I would be submitting a complaint to the CFPB, I was told that I would be receiving a credit for {$10.00} to cover the fee. As of the time I am writing this complaint, my account has not been credited. 

-- Issue 2 -- After receiving the expedited card around 10 days ago for the open account as described above, I activated that card and have been able to use it. However, I received in the mail today a second card with identical account and CVV numbers. I did not request a second card. 

This causes me concern because I have been exposed to unnecessary risk by having an additional card in existence that I was not aware of. Additionally, I am concerned that Citibank may have created and mailed more than these two cards and there may be a card in existence that I do not have in my possession and that I am not aware of. Because the account and CVV numbers are identical, for all intents and purposes, this card was mailed as a active and usable card. This represents a very serious security issue as it may have been stolen or otherwise intercepted and would have been usable by anyone.
I received an email that states : " My team is working on your refinance request, but we would like to get more info about your financial goals. '' This email gave me great pause as I have not requested a refinance and I was worried about Identity Theft. I called the number on the letter and was told this is a marketing piece. I think the piece is materially deceptive, appalling, and disgusting that it was sent by XXXX XXXX | Vice President, Mortgage Banking. Regardless if he led the marketing campaign, it is a direct reflection of poor leadership and I believe it violates UDAAP. Additionally, I tried to unsubscribe and the email did not allow. Rather I have to update my preferences, which does not provide for a simple opt-out solution. Again - disgusting. I worry about my parents or other unsuspecting individuals that don't understand their rights or even how to complete the necessary steps online.
Despite four written requests, the unverified items listed below remains on my credit report in violation of Federal Law. Equifax is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their investigations, Equifax stated in writing that the account verified that the items are being reported correctly? I received no written verification of who verified these accounts? Equifax did NOT provide me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Equifax also have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). As such under Section 611 ( 5 ) ( A ) of the FCRA Equifax is required to promptly DELETE all information which can not be verified. yet they have not.
I requested my ChexSystems report and noticed : 1. My report has 5 different addresses which needs to removed. 
2. My name should be XXXX XXXX XXXX, no other name. 
3. This company has me listed as owing 2 banks : XXXX XXXX XXXX in the amount of {$340.00} and XXXX XXXX for $ XXXX am not aware of either of these accounts.In which they have an address that I 've NEVER resided. 
After being denied by a credit union for checking/savings account, I was informed of these accounts. In which they have an address that I 've NEVER resided. 

I have sent a letter to update all of my information and to remove these accounts from my report, as it is preventing me from opening up bank accounts. 

There has not been any resolution to this issue. 

Please investigate.
I had a long-standing credit card account with Fidelity, which was converted to Elan Financial services XX/XX/2016. At this time, I did n't receive notice of the conversion and continued to have access to my Fidelity account online which reflected automatic payments were being made towards my account balance. I received a call on XX/XX/2016 from Elan stating that my account was two months past due and that I needed to make a payment, which I did to bring my account up to date. I was told that I needed to set up automatic payments at a new web address. I promptly tried to create an account on the new website, but it would n't recognize my account number. After many calls to reach the correct customer service office, I was told that my credit card number was incorrect ; that I had received a new card and would have to use that card to set up an account. I explained to them that I never received a new card, but without it I was unable to create an online account. Since then I am still unable to access my account online or set up payments because my account has been restricted. I 'm still waiting to talk to a representative because their " 24 customer service '' number is closed every time I call. Up until recently I could still access the old Fidelity account, which continued to reflect that my auto-payments were scheduled. As of now, I have no access to my prior Fidelity account.
XXXX XXXX XXXX XXXX ACCOUNT # XXXX I have been completely ignored by these companies when it pertains to my rights as a consumer so concerning my credit so I decided to file ANOTHER COMPLAINT to provide that my rights are being violated. I am no longer able to file disputes on their websites so I have to send all of my disputes in to XXXX, Exquifax and XXXX. This account as been disputed mulitple times for inaccuracies and ALL 3 BUREAUS HAVE MULTIPLE -INFORMATION THAT IS INACCURATE AND UNVERIFIED. Yet they have all said that in previous disputes where I have certified reciepts that this was verified as accurate. Did they all contact different companies? 
-DOFD IS NOT CORRECT. 
NO HIGH BALANCE OR INACCURATE AMOUNT EQUIFAX EVEN HAS A MONTHLY PAYMENT REPORTING ON AN ACCOUNT THEY ARE REPORTING IS SOLD TO ANOTHER PARTY. 
LAST PAYMENT RECEIVED IS ALSO INCORRECT.
Friday, XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX. XXXX XXXX XXXX XXXXXXXXXXXX : Synchrony Financial, CARECREDIT/SYCHRONY BANK XXXX XXXX XXXX, FL XXXX : CARECREDIT/SYNCHRONY, Cardholder Name : XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX, Total Interest Charged in 2015 : {$840.00}, Statement Closing Date XXXX XXXX, XXXX XXXX, hereby file a Bill Dispute. I am overtaken, to be aghast and outraged, that the Interest Charges are extremely excessive. Never have I been aware, or agreed to, the extent of Interest Charges imposed by the expiration of a Promotion Period. I am not aware that the expiration of a promotion imposed interest fees. I was first introduced to CARE CREDIT by my Dentist, XXXX XXXX XXXX. The conditions provided identified that payments made by the due date circumvented late fees and interest charges throughout the life of the loan. I am surprised that repercussions of an expired promotion were not clarified. Legally, this victimizes XXXX living on fixed income. At this magnitude, I may need to seek legal counsel for debt settlement. I am not willing, nor shall I discuss debt consolidation. Additionally, it behooves me to report this to the Federal Trade Commission, XXXX, and Consumer Advocates, for a potential class action suit legal settlement, due to conditions of excessive finance interest charges. Cardholder was informed that during the life time of loan, the only requirement was to meet monthly minimum due to defer interest and fees. Cardholder is misled. 

XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX : ( XXXX ) XXXX : Federal Trade Commission XXXX XXXX XXXX, XXXX XXXX XXXX Telephone : ( XXXX ) XXXX
SUNBELT CREDITXXXX XXXX XXXX, XXXXThis company provide me with the service of a personal loan I 'm purchased a couple of Insurances just in case to cover the loan is like life unemployment and etcetera I informed the financial situation about it me beign unemployed they will they said they will mail me the unemployment claim package they never did so they never submit that information to the insurance company for them to pay off the balance due to unemployment and since I pay for that insurance on the loan and I inform them but they never did anything about it I try to validate the account with them but the information that they send me does not meet the Federal Credit Reporting Act criteria
around XX/XX/XXXX i contacted sterling talent solutions about being denied employment with XXXX. they didnt help me with anything and didnt offer to investigate the issue. i wanted them to point me in the right direction of what needed to be done but i was rushed off the phone. they didnt care at all about me being so upset about the problem.
Wells Fargo bank processed the same check in the amount of {$25.00} twice in two consecutive months, My account was debited twice. When I bought it to the bank staff they informed me that one time the check was processed via mobile banking and the  other time via a credit union.I inquired why the bank internal system didn't stop this action. The adjustment dept credited my account {$25.00}. However the resolution dept could not provide me with a sufficient explanation that they had a comprehensive system that would consistently prevent the same action from happening again. I informed the bank staff that I do not consider this matter resolved.
My Son barrowed XXXX for XXXX school in XX/XX/2005. He was making his payments on his loan until they split the loan XXXX times. Now XXXX portion of the loan is up to XXXX He is no longer able to make the payments on this loan due to him XXXX over this. The harassment and hounding from these lenders is unthinkable. We now have to live our lives without him in it due to his student loans. These people should be held responsible in some way.
On XXXX, I transferred {$290.00} to my aunt in XXXX, NV to reimburse for home improvement expenses for my mother 's home which she is in the process of selling. My aunt added her bank information and submitted a transfer request, which should have been completed by XXXX. The funds never showed up in her account so she called me. I immediately submitted a customer service request and waited several days. When I did n't receive a response, I used another service for the transaction ( which completed without a hitch, by the way ) and requested a refund. After multiple customer service requests, I attempted to call, but there appear to be NO phone numbers available for this company. I also tried to call the parent company, PayPal, but their XXXX XXXX corporate headquarters only provide EBAY voice prompts in their phone system. It has been simply impossible to get through to a live person or get any kind of response from this company. I am a senior citizen and need my {$300.00} back! HELP!!