WillisBack/dataset-financial-user-claim huggingface dataset:
I had unauthorized charges on my Best Buy card which is through Citi Bank and had a 0 balance prior. While in dispute, Citi filed with the credit bureaus that I had past due payments over 30 days and an outstanding balance due. They did resolve the disputed charges and in my favor, again bringing my card back to a zero balance. I had previously filed a complaint with CFPB, which has been closed, because Citi reported they sent corrections to the credit bureaus and that they sent me a letter stating the same. I have talked to all 3 credit bureaus and the outstanding balance due has been taken off but none of them had received a correction for the more than 30 days past due error. The only letter I have received from Citi is that they want any further correspondence in writing. My original goal was simply to have the errors fixed and my credit restored. This has not been accomplished.
I received a very tricky and dishonest offer in the mail from Bank of America. It offers 0 % interest until 2016 but after really looking into this offer it is trying to trick people who pay off their balances each month ( like me ), because it makes all new purchases subject to interest charges. It is so bad that Bank of America is going this route .... I have been a card holder for years and have a fico score of XXXX, and if i almost got tricked, I ca n't imagine what it would do the the average consumer. This should be illegal and Bank of America should get in trouble for this.
I had a short sale back in 2009 which was negotiated not to be reported negative. In fact the agreement was that the accounts be unrated or deleted.
This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX, Experian and XXXX  consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the Southern District of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile.
Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns.
1. ) XXXX XXXX XXXX XXXX account number XXXX  ; 2. ) XXXX XXXX XXXX, account number XXXX ; 3. ) XXXX XXXX account number XXXX ; 4. ) XXXX XXXX XXXX, account number XXXX ; 5. ) XXXX XXXX XXXX XXXX, account number XXXX 6. ) XXXX account number XXXX ; 7. ) XXXX XXXX account number XXXX 
Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate.
Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review.
Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.
My information was given out by equifax during their data breach. My information is now out there forever and could potentially harm me years down the road.
I 've signed up by their monitoring for free for 1 year ( 1 year is not enough ). - X/X/2017
I was a victim of identity theft and noticed a collection from UNITED REVENUE CORP I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against UNITED REVENUE CORP in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
My difficulty involves a Release of Lien that was never filed by my previous mortgage company, XXXX XXXX - Wells Fargo.

Now I am in urgent need of refinancing my home to get money out of it, and the Title Search shows this lien. This paperwork was never completed by the previous mortgage holder XXXX XXXX aka Wells Fargo. The lien was paid off when I refinanced my home in XX/XX/2004. They show the pay off date as XX/XX/2004. When they were paid off, somehow the Release of Lien never was filed with the XXXX  County Courthouse in Texas. I contacted Wells Fargo and I was informed that they would research it, a process that usually takes 30 days but they will try to get it done faster. The nice lady told me that faster will be by the end of XX/XX/XXXX and then another 7-10 days to get it to me. This is much to long a process. I need this done immediately and it should have been done nearly 14 years ago. On top of the long wait, I don't know if I am going to receive a copy of the 'filed ' Release of Lien or the original Release of Lien that I must then go file myself, a service which they probably charged me for many years ago.

When I made a payment late, they charged a late fee. I should get to charge them a late fee with interest for this 13 year 11 month fiasco.
Two credit accounts were opened WITHOUT my consent or knowledge. One was TJX ( tjmaxx ) and the other was XXXX XXXX. I found out about these fraudulenty opened accounts while checking my credit report on XXXX XXXX. I would like to investigate further into these two unauthorized opened accounts and want to know how this will not continue to happen. Also, I would like to know when the negative impact on my credit report will get reversed. 
Thank you.
Equifax XXXX XXXX, GA XXXX Or XXXX XXXX XXXX, PA XXXX Or XXXX XXXX XXXX, TX XXXX XXXX SS XXXX DOB XXXX XXXX, XXXX, FL XXXX Dear Sir or Madam, Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of FACTA, I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : [ XXXX CR ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX ]. 
As required by FACTA and in support of my request, I am including a copy of my identity theft report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. I may be reached by telephone at [ XXXX ] Sincerely, XXXX SS XXXX DOB XX/XX/XXXX XXXX, XXXX, FL XXXX
I applied for a new credit card from a bank that was linked to an airline. The ad on the airline website offered a bonus of XXXX reward miles, but the bank switched and issued a card with lesser benefits, only XXXX points and a {$200.00} credit on a statement. I was not aware of this other plan at the time I applied. I did not realize the switch until after I had met the requirement of purchases within the first 3 months and was waiting for the XXXX points to show up on my account. When I checked with XXXX the airline and the bank, I was told by the airline that the bank handled the issuing of the credit card, and was told by the bank that the benefits I received were for the credit card they issued. I also checked with a local branch of the bank and after much communication between a bank rep and their home office I was again told the benefits I received were for the card they issued. In all cases they sidestepped the fact that the card issued was switched from what I applied for. I have copies of emails that I received from the bank referring to the XXXX points " reward '', but nothing referring to the lesser reward. In all of my contacts with the bank they completely ignore the fact about switching me to a different plan with no notification. I 'm XXXX XXXX XXXX, of sound mind and body and am now wondering if their responses are due to my age or if this is their standard operating procedures. All I 'm asking for is reversing the {$200.00} credit and give me the additional XXXX points that I expected and the ad promised. I still get emails from the airline suggesting that this plan is still available, and also on the airline website it 's still available. I did not need another credit card in the first place and the only reason I applied was to receive the XXXX bonus reward points.
I sent a letter to Conn Credit Corp requesting that they validate Not verify a debt that they are reporting to the three credit bureaus. I specifically asked for a signed agreement and other supporting documentation. They provided me with no documentation to prove that I am obligated to pay them anything only a ledger. They have reported delinquent information to the credit bureaus that I am asking to be deleted.
I submitted my complaint to the CFPB and my mortgage servicing company on XXXX XXXX, 2015. It is now XXXX XXXX and I have only received XXXX automatic response from the company, Acqura/Clearspring Loan Services, that they have received my complaint and need more time to research my issue. 

Our lives are in the balance here. XXXX our mortgages are about to go out of the interest only stage and we need to refinance immediately. We have been stymied for nearly 2 years by Acqura/Clearspring Loan Services because the company has reported us late on our payments every month while our monthly statements have not shown any problems. We paid 12 months in advance last year in order to clear our record of any late payment reports so that we could refinance without mortgage insurance, but the entire time the company was reporting us as late. 

Like many consumers concerned about late payment reporting, we consistently set up automatic payments and bank withdrawals with our lenders to avoid this very thing, however, Clearspring 's online auto-pay sign up system has failed on numerous occasions in 2015 without alerting me that the auto-pay function was not available to set up online. 
I phoned in XXXX 2015 to ask for auto-pay to be set up and paperwork was supposedly sent to me to do so. The forms never arrived. A second set of paperwork arrived in XXXX. I completed the forms and returned to Clearspring and never heard back. 
On XXXX XXXX, 2015, I phoned Clearspring to ensure that the payment would be made on time and found out that my auto-pay request had been denied. No one had attempted to contact me to inform me of that or why. During that phone call, I found our that Clearspring declared my requested withdrawal date XXXX the XXXX of the month XXXX to be too far after the payment due date. What they did n't consider, for some reason, was that I was actually requesting the XXXX of the PRIOR month to be the withdrawal date to be extra precautious and to spread XXXX of our automatic payments to a different time of the month. 
At that time, the customer service rep told me she would look into my application for auto pay and get back to me. I had to follow up on XXXX XXXX to ensure that my XXXX payment would not be late. The customer service rep at that time said that the problem was that I can only request a draft date within four days of the payment date ( before or after ). So I am back to square XXXX on setting up automatic payments. 
This is XXXX of the smallest monthly bills we have to pay. Why is it so difficult to send them money? The monthly statements the company sends us are hokey. They provide little or no detail about what has been happening to our account, do n't show successfull payments, do n't show late penalties that have been assessed. 
I am concerned that business practices at Acqura/Clearspring place a too-high burden on its customers for making consistent, timely payments. At the same time, the company 's erroneous record-keeping and reporting are damaging people 's lives and threatening to further erode the slow gains the nation 's economy is making.
XXXX account is fraud and identity theft I did not open this account or use it had any knowledge of this account I sent my police report number and receipt to experian by mail and via upload on website this account does not belong to me
The Citi Prestige Card -- there 's a benefit that states the forth night is free at any hotel worldwide when booked through their travel service and booking a non-discounted, GDS-avaibale rate. Well that sounds great, but their travel service seems to cherrypick when they 're going to make a hotel available, and the process itself is very cumbersome ( call, make a request, maybe get an e-mail back in 24 hours ... ) I 'm a travel industry/technology insider, so I understand very well how GDS, TMCs, and the hotel booking process works. 

I attempted to book a personally important trip by calling the Citi Prestige Concierge a few times. Finally, I received an e-mail stating both of my preferred hotels were unavailable, even though they were, of course, available. Each time I checked online AND called the property ( in XXXX XXXX ) to confirm, and the availability was there. I asked ( repeatedly ) that the Citi agent just transfer me to the XXXX XXXX agent so that we can resolve it, but I was told new Citi policy forbid this. 

Finally, I gave up and booked the four night stay directly with the property. Citi should honor their customer commitment and provide me with the fourth night free. It 's an expensive hotel, but it 's peak season in a far-away land. That should n't affect Citi 's willingness to honor their promise and core element of marketing the card to it 's intended demographic ( their words ) affluent consumers on a worldwide basis. 

Also, Citi should think seriously about providing an online booking system just as XXXX and XXXX do for their hotel benefits on their top-tier credit card programs. I believe XXXX XXXX provides those services, and it does n't make any sense at all to involve XXXX people ( minimum ) PLUS the customer PLUS 24-48 hours on each request. It 's almost as if the process is designed to be too cumbersome to be used. 

To the regulator : imagine if booking a ticket or hotel room through XXXX took multiple people, multiple phone calls, and 24, 48, 72 hours of waiting before even knowing if the hotel is available ... and this is supposed to be a " high-end '' service on a {$450.00} per year card. 

Again, a simple ask to Citi : that they honor the 4th night free benefit given that I booked directly with the hotel as a non-doscunted " rack rate, '' and I 'm charging the hotel stay to my card. Also, that in the future, they consider how to simplify the process supporting this primary advertised benefit of the card. 


Thanks, XXXX.
First of all good morning and thank you for taking the time to help me. My issue is with Ocwen, who is a debt collector, supposedly working on behalf of a XXXX XXXX. I know with certainty the product is not regarding a mortgage, though that is what I have been led to believe all along, so am choosing the " mortgage '' option as a default. The product sold to me is more like an installment loan with patents, copyrights and trademarks behind it but that is not what my complaint today is about. 

Regardless of what the underlying instrument actually is on the " mortgage '' account in question, I, a woman, have been trying in good faith to settle the account for quite some time now. Not only is this debt collector engaging in unfair and deceptive business practices, but they also leaked an internal email to me clearly showing collusion and collaboration among their employees and outside counsel. I made a monetary offer to settle and the internal employees ganged together saying this would not be an option and the account in question would accelerate to foreclosure if I did not accept the unsolicited modification they offered me - is n't that like the XXXX asking for a protection payment or something? Sure, the world of debt collection is a dicey proposition but this seems to reach above and beyond fair debt practices. 

I am a reasonable woman, looking for a reasonable solution. I am not interested in more chicanery and deceit with Ocwen or its affiliates. 

I am also attaching a letter from an independent auditor regarding the instrument in question. This may or may not be useful in your investigation of this matter. 

Thank you for your time. I really appreciate it.
I have received repeated calls after I have already stated I will take care of it. I have gotten calls sometimes more than 3 times in the same day. Atleast three to four times a week. I have asked not to call me, and also not to call so early. I have blocked the numbers they are calling on and somehow they just keep calling on other numbers so I will answer.
I resolved some medical debt with other creditors with the help of XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX. I received notification that the debt was discharged and removed from the credit report and now I am receiving harassing phone calls from Dynamic Recover Solutions requesting payment of {$720.00} for account number XXXX and {$170.00} for account XXXX and XXXX XXXX XXXX XXXX for {$430.00} for account number XXXX. The original creditor with whom this was resolved is XXXX XXXX XXXX XXXX. 

I have advised both of these agencies these matters have been resolved and still they continue to call and harass me. I have requested that they send the validation of debt and they refuse to do this and say that they will not send more than what they have sent in the mail which does not state anything regarding any new debt and only lists debts which have already been resolved.
Coinbase, a bitcoin exchange, charged my card 5 times for a total of {$410.00}. These were unauthorized transactions that happened over a month ago. Every time i reach out to them they said they can not issue a refund and dont know where my money went. Ive contacted them over and over again.
I am a victim of identity theft. The following accounts and credit inquiries are listed on my XXXX, Equifax and XXXX XXXX credit report, are all fraudulent and unauthorized : XXXX XXXX, XXXX XXXX XXXX   XXXX XXXX DC, XXXX XXXX   XXXX XXXX Card, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, i never applied for credit or accounts with any of the creditors listed above.
I opened a savings account with TIAA Bank on XX/XX/XXXX with an initial deposit of {$56000.00}. I have only received one bank statement from them in this time. On XX/XX/XXXX I tried to sign up for online banking and to use the mobile application. I created a user name and password but was unable to login even after being text a security code. I called customer service and they said IT wasnt there to assist me and would have them call me on that Monday. Nobody called and I called TIAA on XX/XX/XXXX and spoke to XXXX XXXX, again nobody could assist me and I was told IT would call me. I called again on XX/XX/XXXX and spoke to XXXX XXXX again and again nobody could help me and was told IT would call. I called on XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX speaking to XXXX XXXX, XXXX XXXX, and XXXX XXXX and again IT wasnt there and nobody could assist. At this point in time I am beyond frustrated and upset with this bank for its poor customer service and empty promises of a simple call back. Since I havent received account statements and I am unable to access my accounts with modern technology I pray my money is still there. I would greatly appreciate any assistance from the CFPB with this matter.
I am formally requesting for  Midland Funding  provide the following case #  XXXX  : The Stature of Limitations concerning the alleged debt, furthermore I want to request for the following verification : Any telephonic recorded conversations that you had with me to verify the alleged debt and any payments and payment method I used such as personal checks, debt card, or money orders I made to  Midland Funding, Inc.  These are the items needed to verify a debt owed.
Good Morning, CFPB : I am a Military Service Member XXXX. I am writing reference an account with Ocwen Financial based in XXXX XXXX XXXX, Florida. This is a mortgage account with the underlying asset at XXXX XXXX XXXX ; XXXX, Maryland XXXX. 
I applied for a loan modification for this account. Ocwen took several months to process the modification. During the modification approval process, Ocwen reported adverse information on my credit file with the credit reporting agencies. I was informed by XXXX XXXX, a supervisor with Ocwen that my credit would be restored after the loan modification was executed. This did not occur. 
My relationship manager with Ocwen Financial is XXXX XXXX XXXX. I was advised by XXXX XXXX that I did not need to make a payment on the account until XXXX XXXX after the modification agreement was executed. However, on XXXX XXXX, when I contacted Ocwen to discuss the account, I was told that I had to pay a {$2000.00} past due amount for XXXX, XXXX & XXXX payments because no payment was made until XXXX XXXX. 
Ocwen 's failure to process the loan modification in a timely manner and their misapplication of funds to my account in the loan modification process has adversely impacted my credit and caused a financial hardship for me.
I have multiple inquires in my credit bureau of Experian that I do not and authorized please delete these queries from my account thanks.
I paid my car loan off on time and paid off other bills on my credit report and my credit score drop down very low from XXXX to XXXX when you pay bills off on time how they take my score down .now I can not get a car loan because my sore is very low .I was told my score will go up it went down.I talked to the three credit XXXX  transunion, XXXX. I talk to them around XXXX 2017-XXXXXX2017 ..
XXXX debt of {$580.00} is not mine the name is XXXX XXXX i do not know who this person is. Please remove this debt on my credit report also i am divorced from my husband XXXX XXXX in XXXX 2015 and he has the XXXX XXXX XXXX. I have removed my name from XXXX please remove my name on this debt. XXXX has the car.
I was seen by XXXX XXXX in XX/XX/XXXX for a XXXX. I presented my insurance information at the time of service and was never notified that I owed them {$65.00}. They had my correct address and telephone number but never contacted me by mail or phone that I owed the money in almost 2 years. In XX/XX/XXXX they sent my information to a collection agency ( Transworld Systems ) who in turn reported it to the credit bureaus resulting which totally trashed my credit and dropped my score by XXXX points. I would have paid the debt had I known about it in the first place. It was n't until XX/XX/XXXX that I received a bill for the {$65.00} from Transworld Systems.
I a made a mistake in XXXX of 2015. I did not receive an email acknowledging recept of my payment. Stupidly I made another payment and when I realized my mistake I tried to fix it immediately that did n't work so the second payment bounced. It has been 4 months and they are still not accepting payments from me. They are hitting me with all kinds of charges. I spoke to them and mailed the amount they told me to mail and they received it 2 days late and they returned it to me. I have been trying to 4 months to just pay my mortgage