WillisBack/dataset-financial-user-claim huggingface dataset:
Back on XXXX XXXX 2015 I used my easy deal points with my citi card, and also had to pay {$23.00}. XXXX to order the XXXX XXXX Journal news publication for about 10 months. I was told it would take 12 weeks. Well it is now 15 weeks and no XXXX XXXX journal. 
When I called citi cards they said they could not help me. I told them I still wanted the XXXX XXXX journal under the agreement they told me to call easy deals. Easy deals tells me they do not know what happened and will check on this. I called easy deals last month too and got the same story. I am still waiting. I have never in my life had to deal with such incompetence!!! Shame on Citi! 

I am getting the run around from citi cards and easy deals and either want the subscription at what I paid for or cancel the order and credit my money back of {$23.00} centCiti card and easy deals are an incompetent operation to say the least, and have no clue at what is going on. There customer service reps are clueless!!!!! 
When is comes to customer service Citi and easy deals are horrendous! 
I want answers as soon as possible!!!! 
Enough of the run around. I am getting ready to drop the charge card and go else where & gt ; Horrible service. 
I want a higher up supervisor to call me and solve the issue immediately. 

Due to the horrific service and waiting ... I want easy deals to compensate me ALSO with a free yearly subscription to XXXX magazine at no charge!!!! 

XXXX XXXX
The credit report listed an item : XXXX Serious delinquency. When I contacted consumer finance, the agent said that XXXX XXXX XXXX reported I was delinquent on several credit card payments. I contacted XXXX XXXX XXXX and they said that they only had a checking and savings account under my name on file. Both of these accounts were closed years ago and they do not have record of me having a credit card with them. They said they could check archives, but because all of my accounts are now closed, they should not be reported as delinquent in any credit reports.
Im having a problem with a company called Trident. They are calling me on a regular basis in regards to my grown daughter that lives in another state. They are harassing me. They called me XXXX the other day. The lady raised her voice at me??? They called my daughters fathers girlfriend also. He has only been seeing the girl for several months. Do n't know how they are getting the numbers. Please make it stop.
I Contact ( Experian Credit Report ) To Remove Most Of My Inaccurate Credit Report Request for Investigation of Multiple Unauthorized Inquiry I checked my personal credit report, which I acquired from your organization on [ EXPERIAN ] and I noticed Multiple unauthorized inquiry had been made. 

I contacted [ EXPERIAN AND ALL OF THE ASSOCIATION ], who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into [ EXPERIAN AND ALL OF THE ASSOCIATION ] of this multiple inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove ALL of the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation ( With Proof ) within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter. 
Here 's The Following Inquiries .... 

1-XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 

2-XXXX XXXX XXXX XXXX, XXXX 3-XXXX XXXX ( Its Duplicated IT ONLY SHOULD BE 1 NOT 2 OF THE SAME INQURY FROM XXXX ) XXXX XXXX, XXXX 4-XXXX XXXX  XXXX XXXX, XXXX 5-XXXX XXXX XXXX XXXX XXXX, XXXX 6-XXXX XXXX XXXX XXXX, XXXX 7-XXXX XXXX XXXX XXXX, XXXX 8-XXXX XXXX XXXX, XXXX 9-XXXX XXXX XXXX XXXX XXXX, XXXX 10-XXXX XXXX XXXX XXXX, XXXX
I purchased a vehicle from XXXX XXXX XXXX on XX/XX/2017 and two separate hard inquiries have shown up on my credit report for the same purchase. XXXX XXXX XXXX and XXXX XXXX XXXX. This should only show as one hard inquiry as XXXX and XXXX XXXX XXXX is the same company ( XXXX XXXX XXXX does the financing for XXXX XXXX XXXX. When shopping and purchasing such things as automobile and home loans, etc all inquires done around this purchase ( within a 14 day time frame ) should only show as one inquiry, not multiples as this lowers your overall credit score. Please correct my hard inquiry status to show one hard inquiry. I believe Trans Union, XXXX and/or the companies listed above that did the hard inquiries can correct this issue. 


I also purchased another vehicle from XXXX of XXXX XXXX on XX/XX/2017 and two separate hard inquiries have shown up on my credit report for the same purchase. XXXX XXXX XXXX and XXXX of XXXX XXXX. This should only show as one hard inquiry as XXXX and XXXX XXXX XXXX is the same company ( XXXX XXXX XXXX does the financing for XXXX XXXX XXXX. When shopping and purchasing such things as automobile and home loans, etc all inquires done around this purchase ( within a 14 day time frame ) should only show as one inquiry, not multiples as this lowers your overall credit score. Please correct my hard inquiry status to show one hard inquiry. I believe Trans Union, XXXX and/or the companies listed above that did the hard inquiries can correct this issue.
Equifax Credit Agency : Deleted a good standing trade line from my credit report without me the consumer contacting the credit agency or disputing the account. My fair credit rights were violated due to the trade line being in good standing and was not ten years old. The trade line was deleted from my credit report on XX/XX/XXXX, when it was not due for deletion until XX/XX/XXXX. The trade line was with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX. Telephone number XXXX. When I contacted Equifax Credit Agency regarding reinserting the trade line it was stated to me, " that I had to contact the institution. '' I did! I contacted XXXX XXXX XXXX the Vice President, credit disputing department on XX/XX/XXXX. Her telephone number is XXXX. She stated, " I would have to move forward on my complaint against Equifax. Equifax stated, " to me XXXX Bank, sent in an electronic portal requesting to have the good standing credit line removed. '' I do n't know who is telling the truth or who is n't. What I do no is my FAIR CREDIT RIGHTS WERE VIOLATED. I am asking for the good standing trade line, [ description account number XXXX ] to be reinserted with all major credit bureaus. My fair credit rights have been violated. This has cost me tremendous stress, cost my credit score a tremendous score hit, meaning lowered my credit score. And most importantly, I continually to be miscommunicated, mis-leaded by both Equifax, and XXXX Bank. Please investigate throughly. As always, thank you.
Please see attached Credit Reports for all three credit bureaus. The following changes have occurred since those credit reports where pulled XX/XX/XXXX : - My hard inquiries have decreased from ( approximately ) 7 to 2 ( depending on the Bureau. Please see attached documentation ). This change is a significant difference but it isn't reflected in my score and no increases have occurred to account for it.

- All of the accounts payments listed on my reports pulled XX/XX/XXXX were listed as okay ( " OK '' ) and most of the amounts paid were reported. The new credit reports ( XX/XX/XXXX ) all omitted this valuable information ( listed as " NA '' or nothing at all with not payment amounts ) and it lowers the evaluation score pulled by lenders.

- My U.S. Education Loans length is not displayed and shows that my loans activity has started in XX/XX/XXXXbut the loans age should not be changed because the lender is the same and only the servicer has changed.

- My U.S. Education Loans were once only reported as one loan even though there were actually two. This has since been changed but didn't increase my credit history average.

- I have attached XXXX  credit card statements for your review. You will notice that there are occasions when my credit card utilization is high. If you reference my XX/XX/XXXX and XXXX  bank statements you will notice that there was a credit card utilization of {$900.00} ( approximately 9 % utilization ). No factors in my credit, debit or purchases have changed since XX/XX/XXXX but this past XXXX I utilized approximately 9 % and my score went down 10 points instead of three. The recommended utilization for a credit card is 20 % and I barely use half of that so my credit card score shouldn't have even gone down three points this past XXXX  and certainly not 10. There is no reason for this change and I believe that they are using unfair practices to evaluate my score by miss reporting information.

- My on-time payments, my consistently low credit card utilization and my decrease in hard inquiries on my account should have significantly increased my credit score but information has been changed and inaccurately reported resulting in my credit score only going up 7 points ( Transunion : XXXX > XXXX  ), 0 points ( XXXX XXXX > XXXX  ), and -1 point ( XXXX  XXXX>XXXX  ). I have attached the full credit reports from XX/XX/XXXX for all three bureaus. You can review the soft XXXX from XX/XX/XXXX to review the credit scores that I had at that time.

damage ever since.

- The first time I called to address the why my score went down I was told that my score didn't change, the second time I called I was told that the score is low because of two late payments back in XX/XX/XXXX. But I have been recovering from that damage for four years now and its impact on my score shouldn't have changed because all the factors in my reports have stayed the same. I talked to about 7 different representatives and finally, after asking how I could report this, she referred me to Consumerfinance.gov.
A hard inquiry showed up on my credit report from XXXX dated XXXX/XXXX/2016. All of my online research shows that XXXX is associated with XXXX or XXXX XXXX credit cards. I have not applied for any lines of credit within several months of this hard inquiry showing up on my credit.
I applied for a Citigold Checking Account XX/XX/XXXX with a promotion to receive XXXX AAdvantage Airlines Miles upon completion of the requirements ( {$1000.00} debit card spend, 2 monthly bill pays in sequential months ). I talked to Citi through Citi 's online messaging tool and the representative confirmed that I had met the requirements and that I would receive the points, and to call back if I had not received the points by XX/XX/XXXX. Since then I have called back for three consecutive weeks in XX/XX/XXXX and was told they are looking into it and there is nothing they can do in the mean time. They are delaying my requests which is costing me additional monthly fees ( I have now been charged {$60.00} worth of fees ) for the account. I am requesting that the XXXX miles be posted to my Aadvatage account and the {$60.00} in monthly fees be credited to my account.
I found a credit card on my credit report that I have no knowledge of opening. The card is from XXXX/Wal-Mart opened on XX/XX/XXXX in the amount of {$280.00}. The account was sold to XXXX XXXX XXXX, They are reporting it on XX/XX/XXXX. On XX/XX/XXXX I filed an Identity Theft Report with the FTC and called the local police. The police said they needed info from the creditor or debt buyer as to determine where the account was opened before they were able to file a report. On XX/XX/XXXX I sent a FACTA letter to XXXX XXXX XXXX demanding information on this ID theft account, and they did not reply with all information requested and delete this from my credit files. Instead, they asked for more information, and reported the Account as " disputed '' under the FCRA requirements. I also contacted XXXX XXXX with a FACTA claim of ID theft, and they have removed this account from my credit files and deleted the reporting with all agencies instead of providing info I requested from them. I filed a complaint with the Office of the Comptroller of the Currency. I've attempted to file FACTA claims thru the Credit reporting agencies, but they will not accept my dispute without a police report. I can't provide any proof unless I have enough account details to be able to file a police report, I've attempted this and the Police will not take my report without sufficient details.
I accidentally paid my bill on my XXXX XXXX XXXX XXXX credit card a few days late the last 2 months due to medical issues and being in and out of the hospital, however the bills were paid. The company suspended my use of the card, then decreased my credit limit from {$1600.00} to {$950.00}! I have had this card for over a year and this was the first time I have ever had any issues!
Original Creditor ( XXXX XXXX  ) charged off and closed account then sold it to another company ( NCB Managment ). The other company has filed a collection and is reporting on my credit report as a collection account.
I called to request a loan modification and was told by an agent that I did not qualify for a loan modification, and in order to do so I would have to stop making payments in order to qualify for a short sale or a deed-in-lieu. 
I began completing paperwork to begin the short-sale process. While doing so, I stopped making payments, as advised. I listed my house for sale with a real estate agent, and have since gone under contract for {$100000.00} which is roughly {$7000.00} over the payoff amount of the mortgage. 


Whenever I forward the information to Ditech, they tell me one of the following, in various orders : ( a ) they have not received it ( b ) its not complete ( c ) its the incorrect form ( d ) its nothing that they can do ( e ) they are not going to do anything to change the foreclosure date I have never been able to complete the paperwork, according to ditech even though I am constantly following up with them. Ditech 's representatives make it entirely too difficult to complete the paperwork, as most of it is not available to be done via a webapp and it 's hard to verify or confirm whether or not they have truly received my paperwork via fax and/or email. I have even heard that my emails are too hard to read so they have thrown them out. My real estate agent and I have both pleaded with the company telling them that we have offers far above the payoff amount of the loan. It seems that the mortgage company is more interested in foreclosing on my home than they are with actually helping me to sell it.
My mortgage switched mortgage servicers. Previously I had your standard mortgage due on the first of the month with the 15 day grace period which wasn't great but doable with my income schedule. Now that the mortgage servicer has switched ; they charge me to make a payment online on their website, and they also charge me late fees after only a couple days from the XXXX of the month. So, I went from always being current on my mortgage to always being late and charged fees on a monthly basis. I never would have agreed to a mortgage with such terms and I had/have no control over my mortgage being sold to a different servicer that implements such terms. This is creating unnecessary financial hardship for me as I have two mortgages that were sold to this servicer.
XXXX XXXX XXXX XXXX Is creditor, " not '' XXXX XXXX XXXX XXXX, XXXX doing business as XXXX XXXX. As of XXXX 2014, when XXXX XXXX XXXX SOLD THE LOAN to XXXX XXXX SERVICES called LOAN POOLS! XXXX POOLS WERE ACCUIRED BY XXXX XXXX XXXX XXXX " NO " LETTER OF TRANSFER " HAS BEEN RECEIVED FROM XXXX XXXX XXXX XXXX. 
AND FEDERAL LAW STATES THAT : " A LETTER OF TRANSFER IS A REQUIREMENT ". I DISPUTE AND DO NOT AGREE WITH ANYTHING!!!!
XX/XX/XXXX, my wife, who normally takes care of all household finances, was XXXX and was diagnosed with XXXX XXXX, which made her very ill for the duration of her XXXX. During this time, most of our bills were set up on automatic payments, but this Mortgage, in my name only, was unfortunately not. I take full responsibility here, I had the ability to pay, but with a sick wife and then a new XXXX at home, I fell behind on my payments. 

I have since caught up and will be making regular payments moving forward. I have been very happy with the service, but realize I was not the ideal customer and have made mistakes with the handling of the account. I became aware of the unpaid balance when I got a copy of my credit report in XX/XX/XXXX. 

I know that payment was my responsibility and I am not attempting to justify this breach of my user agreement. I was, however, hoping you might review the circumstances under which this non-payment occurred and consider removing the negative trade line associated with this account from my three credit reports. I have already contacted the Mortgage Company was told that they won't do a good will adjustment, nor are they willing to help me fix the credit history. 

Wells Fargo has also continually lied about my account status. In XX/XX/XXXX, a rep there told me I was able to make my next Payment in XX/XX/XXXX, but when I went to make the payment I was told my house had been put in foreclosure.
I do not recognize nor did I authorize the following inquiries to be made : XXXX XX/XX/XXXX Equifax Mtg XX/XX/XXXX XXXX XXXX XX/XX/XXXX
On XX/XX/XXXX.. I paid off my credit cards to capital one.. over {$6000.00} in card debit. Today XX/XX/XXXX.. I check one of my accounts and someone has racked up {$1600.00} worth of stuff. When I paid off my card.. I asked to have new cards sent to me as I have been going back and forth with capital one over misuse of my accounts. I do not own XXXX account, I do not shop at kohls and XXXX. The XXXX is not my checking account.
CFPB case number : XXXX XXXX, XXXX, XXXX, XXXX - XXXX - XXXX, XXXX, XXXX, XXXX, XXXX. CFPB is not allowing me to dispute response from XXXX XXXX with Ocwen Loan Servicing, Consumer Account Analyst, Office of the Consumer Ombudsman letter dated XXXX XXXX, XXXX. Ocwen is using XXXX XXXX to blow smoke circles for them while they hide behind there computers covering up the facts and the truth again only to level attempts to cover up Ocwen continuous fraud against me and several other victims. Ocwen scums may think its going to work but as always it will always caches up with them. Ocwen Loan Servicing use Homeward Residential as a tool to use fraud upon the court, using forged fabricated documents and robo-witnesses to seek fraudulent judgment, then later the cool XXXX thought it would n't come back to bite them, boy it will bite like XXXX. Ocwen scums say they were not involved in the XXXX XXXX Bank vs XXXX XXXX case but they know XXXX well that was the secret tactic plan they used and thought they get away with it. I am glad Ocwen is responding to my consumer complaints with all lies. New evidence will bring you down. I will be filing a new XXXX lawsuit, If Ocwen is able to pull off another fast XXXX against using forged fabricated documents I will never stop until my matter reaches the XXXX court and be given my right to a fair jury trial. Recently, I found out who the individuals working for Ocwen who have committed so much fraud against me and my family. I know who you are and now its time to sue you. I 'm glad Ocwen was able to recently settle CFPB investigation into Ocwen 's servicing practices. ; ) I would like to have the right to dispute Ocwen Loan Servicing 's robo-worker responses. Please provide XXXX with your findings, they have not received a response from you. ; )
I live in Kansas and when I called military star they stated the account was opened in Texas. I attempted to dispute the card and they continued to report to the credit agency. I do not qualify for a military star card, I have never served in the military.
It has come to my attention that an old account from XXXX XXXX XXXX XXXX has been recently reported as late. This account was charged off in 2012 and has not had any subsequent activity since then. For the past 3 months you have reported me as late, however this account was charged off. I have called the bank and verified that there has been no recent activity and the only activity that should be reporting is a charged off account.
Experian refuses to investigate disputes for XXXX XXXX and bankruptcy on my credit report.
Hi, I have a personal loan through one main financial. I have insurance on my loan, if I am out of work the insurance will make the payments so I do n't get behind in my loan payments. I was out of work on XXXX. I contacted one main financial to let them know I was out of work, so they could submit a claim. one main contacted me to set up the paperwork needed to submit the claim. as the claim was processed, a member of the company contacted me. he left a XXXX minute message on my phone. the message that left was very inappropriate. message stated was the gentleman on the phone started of by sounding XXXX and saying " hey I love XXXX, I love big XXXX, I could play with an suck on big XXXX for hours. Then talking about movies, Grandmas boy. XXXX year old XXXX, with co workers in the office. then he said they were XXXX while watching these movies. message ended. I then contacted the district manager stating my complaint, he said that he would look into it. I felt that he blew our conversation off. nothing was done.
I have been the victim of ongoing ID theft and have a few fraud accounts and inquires reporting on my Equifax credit file. I have sent in a police report several times. The following items are fraud Equifax please needs to block and or remove these items. I can never access Equifax 's online dispute due the website always having issues. 
1.XXXX XXXX XXXX/XXXX/XXXX 2.XXXX XXXX/XXXX/XXXX 3.XXXX XXXX XXXX/XXXX/XXXX Please update my correct address to the following XXXX LA XXXX
I am in the process of purchasing my first home. On XXXX XXXX 2016 I received the Closing Disclosure for my mortgage application. The Closing Disclosure indicated a change in the " Calculating Cash to Close '' section in the " Adjustments and Other Credits '' line item. In the Loan Estimate I received on XXXX XXXX 2016 this line item indicated " {$0.00} '' and on my Closing Disclosure it indicates " {$840.00} ''. 

While I was prepared to absorb some additional cost this was a shock. Section K of the Closing Disclosure I received indicates this adjustment is due to " Items Paid by Seller in Advance '', specifically prorated Town/County Taxes. The prorated taxes for the seller are required to be disclosed on both the Loan Estimate & the Closing Disclosure in accordance with 12 CFR 1026.37 & 1026.38, however, were not included on the Loan Estimate I was provided. 

Since the Loan Estimate I received was non-compliant with 12 CFR 1026.37 ( h ) ( 1 ) ( vii ), and the official interpretation in Supplement I ( XXXX ), it does not seem fair, and possibly illegal, for USAA to require me to pay for an adjustment that was not disclosed on my Loan Estimate. The seller is certainly entitled to prorated repayment of their property taxes, however, the lender should pay at this point in the process since the closing date was already established when I received the Loan Estimate. The lender certainly had enough information to estimate this cost and they did not, waiting instead until we are within a week of closing and putting us in a very difficult position, it feels like we are being extorted. 

The above situation is my primary concern. It is also worth mentioning that the difference in estimated Cash to Close between the Loan Estimate and the Closing Disclosure appears to just be an increase of 7 %, however, it is deceptive of USAA to present this information in a way that makes their initial Loan Estimate for Cash at Closing seem even remotely accurate. By their calculations it appears the Cash to Close only increased by {$130.00}, however, this is only because the seller agreed to pay an additional {$1000.00} closing costs. When this correction is accounted for the actual increase in Cash at Closing increases by approximately {$1200.00}, this is a 69 % increase on the Closing Disclosure above their original Loan Estimate.