WillisBack/dataset-financial-user-claim huggingface dataset:
I have been a victim of identity theft, accounts had been opened in my name so, I'm requesting these information to be block from my credit report in accordance with the FCRA.This has cause a great damage to my ability to get a better job as well as get funding .Please remove thesee items and all none account holding iquiries from my credit report, an FTC and a police report had been filed, they will be attach to this complaint.
In XXXX, I signed up for a credit card from American Express. The card, the XXXX, was being marketed with a sign-up offer of XXXX XXXX and XXXX XXXX Miles ( XXXX ). I only received half of each of those figures : XXXX SkyMiles and XXXX MQMs. I have contacted Amex several times, both over the phone and via their website. Each time, they have refused to admit a mistake and lengthened the time they expect their investigation to take. I have documentation of the offer, both directly from American Express ' website and from the company 's paid content on credit-card advisory websites. However, all of their agents have refused to look at this. Putting an exact value on the miles I am missing is difficult. The XXXX, which can be used for a variety of XXXX purchases, including airfare, are worth a minimum on XXXX cent each against XXXX fees and can be worth between one and one and a half cents when used for XXXX flights. Even using the conservative one-cent valuation, American Express ' mistake cost me {$350.00}. The XXXX XXXX XXXX are very difficult to value, as they are used to earn various privileges XXXX upgrades to XXXX, priority boarding, etc. ) on XXXX flights. At this point, I can find no way of putting a monetary value on them, so I have excluded them from my estimate of how much money I lost.
On XXXX XXXX, 2006 we refinanced our mortgage and entered into XXXX mortgage loan agreements with XXXX XXXX XXXX XXXX. The XXXX loan was for {$560000.00} at 6.375 % interest for 30 years. The first 10 years payment was to be interest only. The XXXX loan was for {$88000.00} at 8.297 % for 14 years 11 months with a balloon payment on the last month of {$69000.00}. 
The loans were subsequently sold to Washington Mutual Inc. ( WaMu ) who also sold them to Chase Home Finance, our current mortgage company. 
When we first signed with XXXX XXXX XXXX XXXX, we were made to believe that at end of the first 10 years, we would revisit the mortgage interest rates and we would be given the rates that would be prevailing at that time. So we took the gamble and hoped for the best. 
XX/XX/XXXX, which was the end of the first 10 years, we were hoping that Chase would let us know our new interest rates for the remaining loan period and we were hoping that it would be lower than the 6.375 % as the current market rates are markedly lower than what we are currently paying. When they finally called, it was to let us know that we would continue paying our mortgage at the same interest rate as we were before. 
We have struggled to keep up with the mortgage payments with the hope that at the end of ten years we stood a chance of getting a lower rate. One of us is XXXX now and is on fixed income. The one can not pay the new mortgage amounts required. If the interest rates and or the principal were reduced, we think that we could manage. 
Our house is currently underwater or upside down so none of the mortgage companies will even give is second look if we were to approach them looking to refinance. Much as we have kept up making our monthly mortgage payments, we could not refinance our loan like our neighbors did when the government offered relief to people whose homes were underwater like ours. Our loan was not owned by either XXXX or XXXX XXXX!! Some of our neighbors had their principal loan amounts reduced quite substantially and their interest rates on the revised loans cut in half! We have asked for but have received no relief from Chase! 
We have persevered rather than default on the loan as the one who is working holds government security clearance and if he/she defaulted, it would result in a loss of both clearance and employment! We are really in a catch twenty two! We have no way out other than pray to Chase for relief and mercy.
I have asked Caine and Weiner repeatedly to stop contacting me. I do not owe them any of my money. The original debt came from XXXX XXXX which I have spoken with directly. I am on a payment plan with them and making active payments. So I would like Caine and Weiner to stop contacting me because I was told I am not doing business with them. Also they are reporting on my credit report and they shouldnt be!!!! I am sick of this company.
OnXX/XX/XXXX I spoke with the sales manager to get prequalified with XXXX XXXX XXXX XXXX. I am completely aware that during the financing process they submit multiple credit applications. With this fact in mind, I specifically instructed the sales manager that I ONLY WANTED TO ACQUIRE FINANCING WITH XXXX. I specifically instructed the sales manager to avoid shopping my credit around because I did not want numerous inquiries on my credit report. I am in the process of acquiring a business loan and was told to avoid that sort of activity. The sales manager did not properly communicate my authorization to only submit 1 credit application to the finance manager, which resulted in the UNAUTHORIZED SUBMISSION to several lenders. The General Manager of the dealership has admitted fault and apologized for the unauthorized submissions. While it does bring me solace to know their actions were not malicious, the accidental submissions has hurt my credit report and ability to acquire a business loan. I have challenged the inquiries with the credit bureaus and have been referred to challenge these directly with the lenders.
XXXX XXXX wrote on XXXX/XXXX/2015 XXXX -- -- -I 'm disputing transaction on XXXX/XXXX/2015 for XXXX to XXXX. I believe there is fraud involved in this transaction. XXXX claim they have never received funds and First Tennessee bank claims that funds were cashed. Please replace my card ASAP. If this issue is not resolved asap I will forward the manner to t Consumer Financial Protection Bureau ( CFPB ) the government agency that handles credit card complaints. I have spent several hours try to handle this issue at both banks locally located in spring hill tn and each other blames the other. I have also tried calling customer service and they have been unable to assist. Frist Tennessee Platnium Premier Visa account number XXXX XXXX/XXXX/2015 for XXXX to XXXX. 
This is the email I sent First Tennessee Bank. My spouse went once again to XXXX XXXX XXXX and spoke with XXXX XXXX as instructed by First Tennessee Bank letter is attached below. XXXX XXXX XXXX provide us with a copy of the balance transfer check that was sent by First Tennessee Bank and the reason it could n't be cashed because the micro number was missing from the bottom of the check. 
This was the response from first Tennessee Bank on XX/XX/2015This letter is in response to your recent correspondence regarding your balance transfer request with XXXX XXXX. I attempted to contact you via telephone on XXXX/XXXX/15 and was unsuccessful. 

Our records indicate that a Cashier 's Check was mailed to XXXX XXXX and cashed by them on or around XXXX/XXXX/15. A Financial Center Representative spoke with XXXX XXXX at XXXX XXXX and was advised that the Cashier 's Check was received and cashed. He indicated that a Cashier 's Check was mailed to you due to an inaccurate account number being provided. Unfortunately, you would need to contact XXXX XXXX for assistance in obtaining these funds. You may reach XXXX XXXX at XXXX or by email at XXXXXXXXXXXX. We apologize for any inconvenience this has caused. 

We have requested a copy of the cashier 's check for your records and this will be mailed to the address on file within 7-10 business days. 

First Tennessee values our customers and our reputation. We work hard to answer any question or correct any problem brought to our attention. If you need additional assistance with your request, you may contact Customer Solutions at XXXX, Monday through Friday from XXXX to XXXX, EST. Please reference the tracking ID XXXX when contacting us regarding this issue. 

Sincerely, XXXX XXXX. 
Customer Solutions RepresentativeFirst Tennessee BankTo notify us of an error or request information about your account, please use the following address. Please include your name, your account number or other information that will help us identify your account, the error that you believe occurred, or the information requested. Send to : First Tennessee Bank, Attn : Customer Solutions, XXXX. XXXX XXXX, XXXX TN XXXX
Freedom Mortgage has repeatedly not credited timely payments by holding up the processing of these payments until after the " late payment date ''. Then the following invoice includes a " late fee '' for not making a timely payment. In this case, the payment was not processed for 3 weeks after the payment was made. As this continues, late payments accrue as it is not possible to receive the next months invoice ( with the new " late charges '' ) in time to pay the next, which based on their processing times exceed three weeks. The last time this happened, they refused to apply my payment because it did not include the " late fee '' and hit me with a credit ding for being 30 days past due. Of course I had no idea it was processed after the deadline, as all of these payments are automatic through my on-line bill payment. 
It seems Freedom Mortgage is using this technique to skim an additional payment on each mortgage payment. It seems irrelevant when they receive payment, they only credit the payment when it is " processed '', which is entirely up to them.
We purchased our house in XX/XX/XXXX.Since then we have been through several montage servicing companies. XXXX XXXX, XXXX XXXX XXXXXXXX, Saterus and currently XXXX XXXX XXXX. To start when we got the house just like a lot of other people we had to get the extra insurance to protect the home loan. We were told that after a few years that we stayed on track with the payments all we had to do was call and stop the that insurance. Well after a few years we did get several letters saying that we could take off that insurance. When I called they said I had to pay to have an appraisal of the house. So to this date we still pay for this insurance. And since then I've heard that some companies have had lawsuits because of this or something similar. 
We did fall behind. Unfortunately with the unexpected passing of my Father in XX/XX/XXXX. In XX/XX/XXXXwe tried to have a modification at the time with XXXX XXXX XXXX. After all the paper  work and time, all that was accomplished was to have maybe {$200.00} off of the regular payment. That by this time it was almost {$1700.00}. A year later we got the letter that Seterus was our new servicing company.. Once again tried to apply for a modification they were of no help. To the point of us being two weeks away to start a short sale. Received a letter that if we had the intent of keeping our house we needed to call to make an agreement and they would work with us on a payment that was doable on our behalf. We did come to an agreement on the payments and the other condition was that we had to agree on the dates that these payments would be automatically taken of our account. Finally we got back on track. Everything was going well. Then out of the blue we stopped getting our monthly statements. When I called they said that its because we were on a coupon-payment system. Yes I did received them in the mail but I have always made my payments through my bank. So now that XXXX XXXX XXXX has sent us monthly statements, I have notice that our balance is about 100,000 dollars different form a statement that I found from Seterus. This is the part that has me looking for HELP ... How it can be possible that we have been paying our house for over ten years and we basically owe the same amount of when we bought our house in XX/XX/XXXX One other thing that I almost forgot is that our loan was set to where the first ten years of payments were only interest. Can someone please help us? I would like to be informed before I give them a call and try to get some answers.. Of all those times asking for help from these servicing companies all I have experienced that its so hard to get help from them cause they don't care about who they XXXX over. Also its so stressful just to try and get answers. When all you get is the run around. I do want to mention that in the middle of all this I did find one person that, I believe did something. XXXX XXXX from Help Center Counselor. I think because of him we didn't lose our house. I have tried to get in contact with him. Unfortunately he doesnt work there anymore..
Good Afternoon, I am in desperate need of help with inaccurate information being reported on my credit report by all three credit bureau 's. There are two collection accounts that are causing me difficulty with my career. I currently hold a security clearance and am in jeopardy of losing it, because of inaccurate reporting 's by XXXX Transunion, and XXXX. One is XXXX XXXX XXXX XXXX, and the other is XXXX XXXX 

I recently reviewed my credit reports and found that there were two collections accounts. One with a company called XXXX XXXX XXXX XXXX in the amount of {$4000.00}.  This was due to them buying an account from XXXX XXXX ( Apartments ) who claimed that I owed this amount for breaking a lease. I explained to both, The Credit Bureau, and XXXX XXXX XXXX that I am a XXXX XXXX, and I am called to XXXX at anytime. In the Lease Agreement there is a military clause that exempts me from the lease if called on XXXX. I notified XXXX XXXX in writing before XXXX that I would be leaving and reminded them of the clause that was in the lease. They seemed to be ok with me having to leave and never said anything to me about monies owed. It was n't until I returned from XXXX that I began receiving phone calls from this XXXX XXXX XXXX, stating that I now owe Them the balance of {$4000.00}. I have never signed any contract with This company and I do n't owe them any money. I explained this to all three of the credit bureau 's and they simply say the debt has been verified.
I had fraudulent charges on my credit card. 
Capital One has had employees tell me different things which included the ability to re open the dispute and that the date coorespondence needed to be received by was not important. 
I provided information to them within 60 days of the charges and disputes but because I opened the disputes up in XXXX, I am not eligible for protection. The policy has changed from Employee to Employee and nothing is clearly a policy but discretionary. In turn, False advertising. 
As of Today, I now have been told differently and denied assistance by Capital One as they are not helping whatsoever with the fraudulent charges. Their employees are all saying different things and the consistency of information, policies or Fraud liability help does not appear to be as advertised. 
Their reasoning is solely based on me not delivering further information within 14 days when again, representatives at previous conversations explicitely stated the dates are irrelevant as long as it is within the 120 day period. 

I spoke to Visa and Visa says the policy is Capital One 's individually but Capital One does not have any sort of policy in writing and has not trained their employees to communicate accurate information.
T.D. Bank N.A. failed to provide me with a statement or bill for a credit card that I hold with their company. T.D. Bank N.A. then applied late charges while still failing to notify me in any manner that there was a balance on my account, and failing to notifying me of the application of late charges ( email, mail, phone, etc ... ). T.D. Bank N.A. then reported my account as delinquent to all major credit bureaus while still failing to notify me in any manner ( postal mail, email, phone, etc ... ) of the balance or delinquency. T.D. Bank N.A. still has not contacted me in any manner : the delinquency was reported to me by a third party ( XXXX ) which notified me of a drop in my credit score ( from XXXX to XXXX ). I learned of the score drop on XXXX/XXXX/16 and called T.D. Bank N.A. on XXXX/XXXX/16. T.D. Bank failed to acknowledge that it owed me any duty to supply with a statement and claimed that it did, although the company failed to do so. I called T.D. Bank N.A. again on XXXX/XXXX/16 to obtain a copy of the past 4 statements, which I have not received, so that I may request a correction to T.D. Bank 's reporting of delinquency to the credit bureaus, as well as to include in a report to the credit bureaus. T.D Bank first attempted to charge me {$7.00} per statement, although the statements were never initially provide. T.D Bank then finally agreed to waive the fee for two statements, but refused to waive the {$7.00} for the remaining two statements. T.D. Bank N.A. has created a system where they fail to notify customers of charges in order to charge as many fees as possible. This has caused graved economic effect to my credit score, exclusively as a result of T.D. Bank 's dubious, unethical, and likely illegal business model. The charge in question was a singular, automatic charge of under {$10.00}. The credit card is otherwise entirely unused.
I was never given a chance to dispute the debt. I did not know about this debt and was never given the chance to pay it. They had a wrong address on file and never sent me anything just reported to my credit report.
I banked with wells fargo since XX/XX/XXXX and had a secured card with them as well. Last summer in XX/XX/XXXX I decided to close my checking account with them and pay off my secured card. I was going to close the secured card but the banker told me that was a bad idea and that I should instead not use the card anymore and then I would get my refund and the card would " fall off ''. I did as the banker informed me to do and little did I know until I saw an email from wells Fargo that I owed a balance on a platinum visa. I called and inquired about what happened and they told me they upgraded me from a secured card to a platinum card. I did not consent to this nor was this ever disclosed to me prior to getting a secured card. I closed that card because I never authorized the upgrade and was told the secure card would fall off and there would not be an active account for that credit card. I feel that I have been deceived by wells fargo. And now this will be reported on my credit that I closed the credit card and that is not good for my credit.
I have been on deferment since 2015 but apparently they sell that information i get at least 3 calls per day of companies telling me they can help me I spend 30 min on the phone and no luck, I 'm sick of the calls.
I recently called BofA to inquire about a credit card payment. The representative who answered my called was asking me for the XXXX digit code number at the back of my debit card after giving out the my debit card information. This should be a cause for a concern. My debit card can be comprised because having giving out my debit card information and the XXXX digit code it can be used for something else. And BofA should stop doing this to its customers as a way of verifying their account.
I am forced to complain once again about Equifax 's unacceptable result of investigations of my previous complaints in XXXX and XXXX. Judgmengt still on my record, only as " satisfied ''. It is not correct as it was REVERSED and as such rendered void. Furthermore, initial XXXX 2014 judgment with with case ID # XXXX was dismissed. XXXX and XXXX deleted this record while only Equifax still reports it as satisfied/released. I demand that Equifax immediately removes this public record.
This is not a dispute for debt, this is a request to remove a name that does not belong to me.
I owe Client Services, debt collector agency, ( Add : XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX ; Ph # XXXX ), an amount of {$1300.00}. 
I wish to pay the amount but they are refusing to accept payment by Credit Card. 
I have no other way to pay this amount but they are refusing to accept the amount from Credit Card. Say that it ia aginst their policy.
On XXXX XXXX, 2017 I attempted to receive an auto loan from XXXX XXXX, I was denied and given a letter of explanation citing a credit reporting agency called SAGESTREAM LLC. I have never heard of this company, nor have I ever given permission for them to obtain my information from other credit reporting agencies. My score from XXXX is XXXX and contains current and correct information. My score from SAGESTREAM XXXX, when I attempted to request my credit report from this unknown company they denied. They require you to mail in forms of id and personal banking information no one else requires. The company when contacted and attempted to find out more information on who they are, I was hung up on every single time. This company uses extortion and stonewalling tactics to increase interest rates for financial institutions.
Equifax has been notified by me that I had several accounts that on my file fraud. This dispute has been going on for over months.I supplied affadavits and police report that support the claim. The same accounts was on XXXX and XXXX.Same companies.These disputes been resolvd before 30 days ... .. When I call Equifax and request a supervisor.Everyone in Consumer Affairs a Supervisor.There no access to higher management.I don't have a direct number to Office of Consumer affairs, Not sure why the have my file instead of the fraud department.This bureau removed my XXXX XXXXXXXX account on there own.
I have a loan with volkwagen credit. They have blocked my number, they are accepting my payments and cashing my checks for my new car. They denied I have an account with them when I blocked my number to call. I asked for a supervisor then was hung up on again. I've never been sent ANY DOCUMENTS AND THESE THUGS BLOCKED MY NUMBER WHO SERVICE MY LOAN??????
I joined XXXX XXXX to find out that I had a {$96.00} outstanding debt from XX/XX/2011. I disputed the amount since I did not know about it. After disputing it with both XXXX and XXXX. XXXX  dropped it from my report and XXXX left it on my credit. The company in question : PROFESSIONAL CREDIT PO BOX XXXX XXXX, MN XXXX ( XXXX ) XXXX The above agency contacted me after I disputed the amount and wanted money. I told them to send me a copy of the bill and I would review it and pay if I thought it was right. I also stated I would not just send them money not knowing what it was for. I never received the statement or bill from this agency. After a month I did not recieve anything so I filed another request to XXXX to inform them that this needs to be investigated because I have received no information regarding this bill. Again they left it on my report and the same company contacted me wanting money with no documentation. I stated to them that I will not pay for this without documentation and that they need to remove it from my credit report because I have never received documentation for this bill. They stated that is not how this works. Another month has gone by and I still have not received any paperwork for this bill. They have updated XXXX and stated it is still due. Attached is the only information I have ever received which is off my credit report. Professional Credit has never sent me ANY documentation on this bill even after I have asked for it twice and told them I am disputing it.