WillisBack/dataset-financial-user-claim huggingface dataset:
I placed a fraud alert on my credit at the XXXX credit bureaus about 1 1/2 months ago. I continue to receive unsolicited credit card offers from Citi Bank. I have received at least XXXX offers within the last week. I contacted Citi Bank to request that I no longer receive credit card offers by mail. I was told that I would be placed on a " do not mail '' list, however, the representative told me that she was unable to tell me how long the request would be effective. I requested a copy of Citi Banks privacy terms and conditions and do not mail policy be mailed to my home. I was bounced around to several different people and ultimately my call was disconnected. 

When I called back, the representative told me that Citi Bank had a policy not to mail privacy terms or the terms of the do not mail list to anyone who is not a Citi Bank customer. I am not a Citi Bank customer. The representative then told me that I could visit a Citi Bank branch to obtain this information. Despite repeated requests, Citi refuses to send me a copy of its privacy terms or the terms of its " do not mail '' list.
Upon checking my credit reports regularly, my credit score does not increase when trade line balances decrease or are paid in full. I do not have any late payments on my credit report and my credit score is not reflecting correctly.
I am member of the Equifax credit monitoring service and have been for a while now. I have been able to update my score whenever possible. When I tried to update my score on XXXX XXXX, I was unable to. It gave me an error message. I have been trying everyday after that to update my score and get a new credit score. To this day I have still been unsuccessful. I contacted Equifax about this situation on XXXX XXXX and they can not tell me the reason why this is happening. Only XXXX XXXX, I applied for a mortgage loan and my lender was unable to get an equifax score to pre-approve me for a mortgage loan. Again, I called equifax and they were still unable to tell me why this is going on. They offered me a reduce rate on my credit monitoring service but that still does not fix my issue of not seeing a score. This has place a burden on me because the companies I have been applying for credit all use equifax and because they are unable to get a score, I am denied credit. Also, another issue I have having is Equifax reporting incorrect information. My credit card company removed all of my lates off my account and equifax is the only bureau that has not updated that information and its going on 2 months since this has happened. They are also reporting that I am over the limit on a credit card that I only owe {$4.00} on which has raised my utilization to 98 % and dropped my score tremendously. I have also spoke with them about this issue and have not received any satisfaction. The last issue I having with them is they refuse to remove my hard inquiries after I explained to them I have spoken with each company and they agreed to remove the inquiries.
Someone opened a credit card in my name in XX/XX/2018. Through the credit reports I was only able to obtain a partial number of the credit card. The card limit was {$500.00}, but since it was not paid the actual balance as of XX/XX/18 is {$620.00} according to XXXX Credit Report ; in the Equifax and XXXX Reports the balance is {$570.00}. I called XXXX XXXX XXXX in XX/XX/2018 when I noticed the account in my credit report and informed that I have never applied for a card with them. They said that they will investigate and send me some documents in the following two weeks. However, after over a month I have not received any papers. I called again today, XX/XX/2018 ( XXXX ) and speak with Mr , XXXX XXXX who indicated that it will take some 70 days to investigate and that I have to call again in a month. They did not provide any number for the confirmation of claim. This is affecting my credit score because the card has not been paid since it was opened.
On XXXX XXXX, 2015 I sold my condo under a short sale with XXXX and America Servicing Company. ASC reported my sale incorrectly as a foreclosure. I 'm writing you hoping that you 're able to help me get this reported correctly. XXXX reported it as a short sale. XXXX and XXXX are reporting foreclosure and XXXX is reporting short sale XXXX XXXX
All these letters were sent out to creditors advising them to please remove on authorized hard inquiries from my credit report. I have not authorized anyone to place a hard inquiry on my credit report nor am I from money with either of these companies. I have n't heard any responses from anyone and it 's been well over two months since I sent those letters out. I would like for these unauthorized inquiries to be removed from my credit report as it is damaging and hurting my score
I am being billed and rebilled for a Debt at a Hospital that is not mine. It started in XX/XX/XXXX for XXXX plus. I went to XXXX XXXX XXXX XXXX XXXX XXXX and disputed this in person in XX/XX/XXXX and was told to disregard this bill. Now I am getting this reported anew on Credit Agencies as derogatory information in collections As of XX/XX/XXXX now at XXXX. The new Collection letter states this bill was generated on XX/XX/XXXX. I had disputed this at XXXX and it partially went away and now its being reported as a new Collection and is in fact the same from XX/XX/XXXX
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear XXXX, You have listed my personal information incorrectly, I expect this situation to be corrected immediately or I will be reporting you as messing up my personal information for personal gain. You have several things on my credit report that should not be there and without any confirmation of a signed contract from these companies I know for a fact it is illegal for you to list any company with my personal information regarding fraudulent information on my report. I had to file several police reports regarding all of this. My personal information was stolen and used several times which created a nightmare for me, I will not be harassed or treated this way by either you or any other company that deems this ok to use my report for personal gain in anyway whatsoever. XXXX XX/XX/XXXX I never opened this account inXX/XX/XXXX Pls. send the signed contract with my name or  it or -- -Pls. remove this IMMEDIATELY Amerillect XX/XX/XXXX- who is this?? No address, No contract, No signature, again- Pls. remove this IMMEDIATELY XXXX XX/XX/XXXX Who is this?? XXXX if you dont have a contract for them either then, Pls. remove this IMMEDIATELY Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX Consumer Affairs pls. looking to this information since XXXX seems to think it is ok to put peoples personal information on their site without any proof of records.
I received a letter saying I had approx. {$900.00} overage in our escrow account. When I called AmeriHome, they said we were in the red with our escrow. At the end of the year each year, we are approx. {$1000.00} overage in our escrow but do n't get a refund. They asked if I wanted a refund or use that money to apply to next year 's escrow. I asked for a refund but now I 'm being told we are short the same exact we were supposedly over.
Stearns Lending sold my Mortgage to XXXX XXXX but didn't transfer my last payment. They are holding a {$1500.00} payment since XXXX. My bank has contacted them but they say they've transferred it. They havent.
I anticipated bill problems a number of years ago due to upcoming surgeries. It was suggested I " default '' on payments and seek forbearance after the surgeries/rehab. I did. I was under the impression it would not negatively affect my credit scores. It did affect my credit history negatively! ( XX/XX/XXXX and XX/XX/XXXX an the next year XX/XX/XXXX-XX/XX/XXXX ). 
I attended the University XXXX.
Dear Sir or Madam, While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by AMEX. I did not authorize anyone employed by this company to make any inquiry and view my credit report. AMEX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This isa serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to viewmy credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized andfraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. in case it is needed to locate the fraudulent inquiry in their system. 
I then asked them to please send me written confirmation that they have complied with my requests and advised them that their failure tocomply with my requests within five ( 5 ) business days will be my evidence used in Federal Court of their willful noncompliance [ 15U.S.C. 1681n ] and that I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney feesfor each and every fraudulent inquiry. 
Please do whatever is in your power to ensure that AMEX complies with my requests and to avoid other Consumers fromexperiencing the same kind of abuse of their privacy rights.
I 've been trying to reach and/or talk to someone at Ocwen Loan Servicing, and I can never get through to anyone. I 've left several voice messages to get my issue resolved and no one is wanting to help me ( no live person to talk, to about my case ), no call backs ( nothing ). In addition, my checks ( that I 've mailed monthly ) have never been received ( by Ocwen Loan Servicing ) although I 'm sending my payments. Ocwen Loan Servicing does n't want to cash my checks. My call goes to a XXXX number in XXXX ( which is a call center, where people are only reading scripts and not able to help ). I 'm about to loose my house and I do n't know what else to do, no one is wanting to help me. I need help and I do n't know what else to do, I want to put a complaint, because no one, wants to take ownership of my situation and no one cares if I loose my house.
This complaint is referring to the last two times my wife, XXXX XXXX, paid the XXXX XXXX XXXX XXXX XXXX XXXX through the XXXX XXXX XXXX XXXX ( XXXX  XXXX ) online bill pay service to XXXX XXXX XXXX which is operated by XXXX XXXX XXXX XXXX, XXXX. The due dates relevant to this case are XX/XX/2018 and XX/XX/2018. The balance on the statement due XX/XX/2018 was {$200.00}. The balance on the statement due XX/XX/2018 was {$320.00}. The statement balances were paid in full both times. 


For the bill due XX/XX/2018, my wife requested a payment for {$200.00} to be sent through XXXX XXXX online bill pay to be received by XX/XX/2018. The check # XXXX was mailed by XXXX XXXX on XX/XX/2018, and the check was delivered and the money was withdrawn from the account on XX/XX/2018. However, XXXX did not post the payment until XX/XX/2018, five days after the due date. A late fee of {$75.00} plus a {$7.00} default interest charge were charged to the credit card account. 

For the bill due XX/XX/2018, my wife requested a payment for {$320.00} to be sent through XXXX XXXX online bill pay to be received by XX/XX/2018. The check # XXXX was mailed by XXXX XXXX on XX/XX/2018, and the check was delivered and money was withdrawn from the account on XX/XX/2018. However, XXXX did not post the payment until XX/XX/2018, two days after the due date. A late fee of {$75.00} plus a {$7.00} default interest charge were charged to the credit card account.
online not seeing how last payment posted, told then I was afraid to send next payment until I know where my money went. they just say researching. 
balance not going down it was originally XXXX, conventional fixed rate loan in 2005, now they say interest bearing. Something not right. principle basically stays the same. When I send " extra '' in the " get caught up '' they always have some fee that eats up my unapplied balance. right now at XXXX but over XXXX disappeared since XXXX.
I have been a customer of Capital One for a few years now and have XXXX credit cards with them. Over the last year and a half, I have requested credit limit increases on both cards and have been denied. XXXX was receiving a message of denial stating that my payments were XXXX small. I increased the payment amounts and started receiving the following denial of credit message : " A credit limit increase is currently not available upon request because Capital One is evaluating account activity at assigned credit limits. '' I have been receiving that message for 8 months now. Additionally, my other card has been receiving the same denial message for 15 months now. This message implies that an evaluation is being performed on the account and that at some point there will either be an increase or a reason for denial based on this evaluation. The fact that these messages started showing up after I increased the payment amount are not a coincidence. I feel that Capital One does not want to provide a legitimate reason for denial and do not have a concrete reason. The evaluation period seems to have no end. So, I contacted their customer service and their customer service was no help. All they were able to do is state that currently they are reviewing the credit limit increase policy. However, the letter does not state that they are reviewing policy ... it states that they are reviewing my account activity. So, either the letter itself is not factual or the customer service representative lied to me. I simply wanted to know when the evaluation period would end or if they could provide me with a concrete reason. I believe this is a violation of regulation B and the FCRA as I do not feel like they are providing me with sufficient reasoning for the denial of credit. I will be attaching a copy of the most recent letter I received - although they are all the same. Additionally, I am attaching the conversation I had with the customer service from Capital One.
Transunion has failed ( as usual ) to adhere to proper procedures and credit laws. A XXXX account is on my credit report and needs to be deleted immediately XXXX correctly removed this account that is reporting incorrect information.
I 'm on XXXX and there not supposed to be able accordingly to there letter to touch my XXXX but the have for the last 2 months and I 'm on XXXX also and I 'm XXXX household
The company claims that on XXXX XXXX, XXXX, I made a payment via the automated system using a different checking account number than was previously used in the last six months and that the payment was subsequently returned by my financial institution as unpaid on XXXX XXXX, XXXX. This information is false. My financial institution has confirmed there was no request for payment submitted whatsoever. Furthermore, I have proof I used that bank account within the previous six months sucessfully to make the payment. Company claims the same thing happened again on XXXX XXXX, XXXX. Again, my financial institution reports no payment request was made, and, again, this account was used successfully in the past. Company claims they gave me a {$25.00} credit. They did not. They refuse to return the two {$25.00} returned check fees. There were no returned checks, so they need to refund me the Two, {$25.00} returned check fees. A customer service representative told me he would refund the returned check fees. They never did.
I paid this lender off a couple years back. It is not even on my credit report however they are sending me violent email about how my social security is going to be black listed and and I will have a warrant out for my arrest. From ACE legal
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 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.
In XXXX, I purchased my duplex condo through XXXX XXXX XXXX. At the purchase agreement signing I was told that the original HOA had been dissolved and that an agreement would exist between me and the adjoining condo to maintain the property. I did n't question this until XXXX when the adjoining condo went into foreclosure and I assumed the costs of maintaining the entire structure and property. In XXXX I knew I would be retiring soon and looked for a realtor to sell my property. I approached XXXX realtors over a year and none would agree to represent me as I was underwater and had no existing HOA agreement. I attempted to refinance to lower interest rate and did not qualify because I was {$60000.00}. underwater and there was no HOA agreement. XXXX more condos on my block foreclosed bringing comparables to a third of my purchase price. Green Tree Servicing took over my mortgage in XXXX. In XXXX I stopped making payments and found a realtor who would try a short-sale. I found a buyer but the property was foreclosed on before the paperwork at the bank was completed.
XXXX sent an unpaid portion of a final bill to collections and I accepted a settlement offer and in return for cashing the check it was agreed upon that they would remove the item from my credit, they cashed the check and left the item showing unpaid and open on my XXXX report,
All three major credit bureaus have illegally hoarded my person information without this Consumers expressed written consent. EQUIFAX WITH A SECOND HACK ON XXXX2017. I 'M IRRITITATED. Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacyrights and allowed personal information to be leaked due to their and false misleading ways. According to the Fair Debt Collection Practices Act all three credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others. My wish is to demand on my behalf that all 3 credit bureaus remove all of this  Consumers social security number, date of birth, financial accounts or credit/debit card numbers, driver license number, detailed health or medical history or similar sensitive information. All relations with these 3 credit bureaus are now in question for reporting fraudulent information to disgrace this Consumer. Consumer wishes for damages of XXXX XXXX dollars from all 3 credit bureaus for their Treasonous deeds and all will be forgiven. Consumer would also like thank thr Consumer Finacial Protection Bureau for protecting her/his Personal, Family, and Household.
SLS sent a notice of default to me, on my loan, prior to 120 days of delinquency in violation of XXXX. The letter was sent to me certified on XXXX/XXXX/2015, which was only XXXX days delinquent.
My credit bureau report shows me being late with my primary Wells Fargo loan and a second lon as XXXX being late./ This is an error. I was late as indicated in my file for the second loan but the first mortgage loans was always on time and was not late. How do I have this changed? I 've written to the bureaus on-line but have never received a response back.
There is an item I have disputed several times reflecting XXXX Mortgage which the first date of delinquency has been past 7 years, the late payments reports every month balance, past due balance on this stated collection. There is nothing accurate about this account. I am requesting some assistance from your company
i made my car note payment on the XXXX of XXXX about the XXXX of XXXX I along with the Account holder started getting calls about the payment we were told that the payment was decline, I explained that the transaction was ran twice approved the first time and declined the second time I was asked to fax my bank statement to there office I did that, a few days later more calls came in again I explained my situation about the payment ( this is a different person ) I was told that the fax was not able to locate it and ask to fax it again I not only fax it I hand delivered a copy to the XXXX office, again a few days later more calls came in this time I 'm talking to XXXX I was told by here that I have been very uncooperative! now she 's asking to speak with my bank because I do n't know what I 'm talking about and get off the phone! so I ask XXXX who would you like to speak to from the bank im standing in the bank now? mind you I 'm standing in the tellers window with the teller and Bank manager so I ask again " XXXX who would you like to speak to from the bank I 'm in the window now? she stated " get me someone that knows what there talking about! I ask who XXXX would you like to speak to she either hung up on me or just refuse to talk I kept saying hello XXXX 5 times she never replied so I hung up and called back, then she started shouting I hung up on her, by now the Bank manager suggested that XXXX call her direct? XXXX stated she could n't call the bank and the manager of the store said she could n't talk on my phone, so I ask XXXX what do you want me to do you cant call and she cant get on my phone? at this point XXXX decided she would call the Bank which is illegal, after XXXX spoke with the Bank Manager about my account she ask to talk back to me when I get on the phone now XXXX is asking for my Credit card information Card number expiration date and security code which is totally unethical. then I spoke with several other peoples from Honor Finance and no one could find or figure out what happen to the payment, after I gave all my CC info I was told by XXXX she would call me and the bank to inform us on the status of the issue this was on or about the XXXX 2017, after speaking with XXXX a few days later I got a call form a manager XXXX? I explained to him the situation he began to laugh! I ask was it funny he stated he 's not laughing at me but at what I 'm going thought so it let me know that the treatment I 'm getting is really a practices no one took the time to find the payment but everyday I was receiving calls about the payment from at least XXXX different employees of Honor Finance.
I have been trying to get assistance with my mortgage s ince  XX/XX/XXXX . I asked for a lo an modification. Received the modification, but the payment was higher than my original payment. If I was having issues paying my regular payment how can I pay the new payment.     So I asked about the temporary forbearance program, which allow 11 months to catch up. I was told I qualify for that sent me the information to sign and send back with a payment of {$600.00}. I followed all instructions.   I get a call and agent tells me the temporary forbearance was removed and I was put on a loan modification. I did not sign anything regarding a modification. I did not want my payment to increase {$130.00}. I was prepared to pay the extra to get caught up. Basically everytime I call I get some different information. So now I was told I will need to send another statement stating I do not want a loan modification, and put down another down payment for the temporary forbearance program. I just trying to get caught up on my pymts and it seem  like no one can help.