WillisBack/dataset-financial-user-claim huggingface dataset:
I am a victim of identity theft and someone stole and used my personal information to open an unauthorized and fraudulent account with XXXX. I been receiving harassing and threatening telephone calls and death threats from Enhanced Recovery Company representatives.
td bank in XXXX XXXX florida, i have an antique auction and need access to cash for purchases, and usually in a hurry, they will NOT let me cash a check over several thousand without 24 hour notice, is this allowed that i cannot get access to my own MONEY$$
This is a follow up from a previous complaint to insure proper, final resolution. 
Please find enclosed documentation from XXXX XXXX XXXX regarding a long disputed account I 've had with them. This account has been misreported in recent years by them and subsequently the credit bureaus, which has harmed my ability to obtain credit. 
I 'd like to address XXXX issues that should be updated and corrected per the information contained in the BofA letter. Due to my multiple disputes throughout this year, it appears the account has been repeatedly updated to reflect it as charged off but appearing to be something that is newly reported when in fact it was charged off XX/XX/2012. There should be no other charge off information noted to the account other than 2012. Additionally, the letter clarifies that there is no balance owed ( this has long been reported with a balance of {$21000.00} ). 
It would appear that because of these continual challenges and " updating '' that the account event status was reported as recent and not when originally occurred ( 2012 ). It would appear that this has had a direct impact on my reduced XXXX scores since I have no other recent derog credit, my current account balances have been dropping and all of my payments have been made on time. Please research this as well and make any account updates necessary to restore the accuracy of when events with this account took place ( charged off in 2012 and not recently as well as {$0.00} balance owed ). Thanks
In XX/XX/XXXX I received a bill for an urgent care visit for my daughter. According to the bill insurance had n't paid and the entire balance was owed by me. I called the original creditor and asked them to bill XXXX XXXX as my daughter had insurance. They said they would. Every month I received another bill and I would call again and ask them to re-bill. I eventually recienved a bill and a collection report on my credit report for {$310.00} from XXXX XXXX XXXX/XXXX XXXX XXXX for the above date of service. I called them on XX/XX/XXXX and explained I did not owe this debt as my daughter was on XXXX and the visit was covered and eventually paid for by XXXX. I was told they emailed XXXX  XXXX ( the original creditor ) about removing the collection from my credit report because the account HAD been paid in full by the insurance company. I then called XXXX to follow up and was told by XXXX that it would be taken care of and off my credit in 30 days due to the fact XXXX XXXX had paid the bill in full and nothing was owed on the account. None of this was ever done. In XX/XX/XXXX I called XXXX XXXX to ask for the explanation of benefits showing the bill had been paid so I could send it to XXXX XXXX XXXX XXXX XXXX so they would stop reporting me monthly to the credit bureaus. The lady I talked to instead three way called them to tell them it had been paid and offered to mail them proof. XXXX was also on the line and apologized for the error and stated they would put in a request to have the debt paid in full and would no longer report. He said they report every Wednesday so it would be about a week for them to stop reporting and the bureaus would reflect that in 30 days. It has been well over 90 days since this conversation and they are still reporting monthly. I do not owe this debt, it has been paid in pull by the insurance company and I need them to remove this from my record. The conversation from XX/XX/XXXX was all recorded my XXXX XXXX and could be made available by calling them.
I applied for a loan many times with Rise Credit and they never approved me. They tell me that I was declined with no reason and told me to write them a letter asking why I was denied. I believe I have been discriminated because of my race.
I have several inquires on my credit report that I did not authorize. I have requested that they be removed and they have not. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
I recently obtained a copy of my credit report from Equifax only to discover that a company called XXXX XXXX XXXX has reported that I owe them money and it is affecting my report negatively. In the past I have disputed this information with Equifax because I have never been personally liable to XXXX XXXX XXXX and would like this fraudulent information removed asap. Equifax claims to have confirmed that this debt is mine and that ca n't be true because the debt is not mine. XXXX XXXX XXXX is trying to hold me accountable for a business leasing account that I was affiliated years ago with because the business that is liable is gone out of business and they ca n't collect from that business, so they are going after the only person they can and that is me. Both Equifax and XXXX XXXX XXXX are clearly violating FDCPA Section 807 ( 8 ) and FCRA Section 623 ( a ) ( 3 ) federal laws as they are blatently reporting false, unverified, unvalidated debt that does not belong to me personally. I am requesting your help with this matter
contacted Navy Federal in Early XXXX to confirm travel notification and that my credit card with " no foreign transaction fees '' will work during upcoming trip to XXXX. 
was told it will work, and to put the alert on via the website. did so for both the credit and debit cards. 
the debit card has a foreign transaction fee. 
the credit card will not work. 
i have tried numerous times to contact navy federal while abroad, and they tell me they can not assist me because there is a country sanction from office of foreign asset control. 
why does one card work, and not the other. 
why is it the card with foreign ttsnsaction fees that works, and not the other. 
it feels as though they are steering transactions towards the card with higher fees.
With regards to account # XXXX, I observed that this company had been reporting fraudulent information to the credit bureau and was listed on my credit profile. This false information plummeted my credit score and I told them three times- this account does n't belong to me. I have even asked them to validate the debt to which they have refused to comply. I further asked for as copy of the contract that contractually obligates me to pay them a debt- I do n't owe. I know I have rights as a consumer according to the FCRA and the FDCPA to which they have already violated three times by reporting. This information can be litigated as a civil matter. However, I just want them to delete these account due to it being reported in error.
IN ERROR ON MY PART ... MY {$35.00} MINIMUM PAYMENT WAS NOT PAID ON DUE DATE XXXX/XXXX/15. THE COMPANY E-MAILED ME THAT MY MINIMUM PAYMENT FOR XXXX/XXXX/15 WOULD BE {$100.00}. I CALLED THE COMPANY EXPLAINED..I SEE THAT I DID NOT PAY ON THE XXXX/XXXX/15 WAS AN OVERSIGHT ON MY PART ... I PAY ON TIME EACH AND EVERY MONTH. THE COMPANY INFORMED ME THAT THERE IS {$35.00} LATE FEE FOR NOT PAYING ON XXXX/XXXX/15 BUT THEY WOULD WAIVE THE MINIMUM PAYMENT {$35.00} LATE FEE BUT MY MINIMUM PAYMENT WOULD INCREASE TO {$70.00} DUE TO MY OVERSIGHT. payment was paid today XXXX/XXXX/15. 
This seems an unfair practice and trickery to me. 
I would like to ask can these companies make up rules as they go along. I am XXXX years old and made an error. 
T his is unfair to a loyal and faithful customer who erred and paid 9 days late. 
When I make a minimum payment of {$35.00} the interest charges were $ XXXXit appears that the interest charges are enough to compensate for any error for late payment.
I received a letter from XXXX XXXX XXXX. on XX/XX/18. This letter was for debt collection of {$750.00} from XXXX XXXX I do not owe XXXX any money.

I called XXXX and verified that, I did not own them anything. The person I spoke with stated that they do not do business with XXXX XXXX. He told me to ignore the letter.

I called XXXX XXXX and explained the situation. The representative told me that I owed the money, and suggested that my XXXX  account had been hacked. I told him, I would file a criminal complaint on this issue, and he asked me if he could file the complaint. When he stared asking me personal questions, I told him, I would do the complaint myself. I had no idea who this person was.

This morning I did a XXXX search on the company, and found that they have a long track record of collection fraud.
I sent a letter to Equifax on XX/XX/2017 disputing negative items reporting against my credit profile and Equifax has failed to respond to my dispute letter. I received responses from both XXXX and XXXX  but Equifax did n't reply within 30 days or even reply at all and nothing has been removed as a result of my request.
I tried settling this particular debt with  Portfolio Recovery an d they said that they were n't willing to settle.     In later years, once the debt was past the statue of limitations, I disputed the debt with the  XXXX  major reporting bureaus an d Portfolio refus ed to remove it from my credit report.     This debt is tarnishing my history and preventing me from obtaining affordable housing.
About ten years ago, or so, I closed my checking and savings accounts with Citibank. I met with the manager and a teller, zero ' the balance, got a receipt, and they were closed. Years later, I get a call from Collections stating I owe Citibank around {$5000.00}. Citi failed to close my accounts and started issuing overdraft fees and transfer fees for years. When I spoke with Citi, they confirmed they had my correct mailing address, email, & phone yet did not contact me, allowing this to accumulate for years until it hit my credit report. Everyone I called said it was not their department and gave me a phone number to someone else who said it was not their department. They kept pointing fingers between Citi 's financial services and Citi 's collections department. After a dramatic few months of speaking to a ton of Citi reps who all said they could do nothing, they finally admitted fault and paid all the fees. They damaged my credit report and then promised to remove the dispute status from the reports. I remember vividly speaking to the one final rep who distinctly promised that it would be removed from my credit reports and would not affect me adversely in the future. Now, about 6+ years later, the dispute status is still on my credit report ( despite saying there is zero dollars being disputed ) and I can not get the mortgage I need ( which is time-sensitive ). For weeks now, I 've been having to relive it all again, spending all my time on hold, begging for help. Citi reps were unapologetic and put me through another dramatic round of phone calls. In my last conversation they did say they would open a 30-day investigation. 
I called XXXX today and they were not very polite and also said there is not much they can do. They did say they would open a 30-day investigation. 
I do n't have 30 days. I was promised this was resolved & removed from my credit score years ago. I am in trouble now and being put through so much stress and being treated so cold and rudely by these agencies when I did nothing wrong. This has had a huge negative impact on my life. I am desperate for help.
I mailed a certified letter to verified the debt and no response and I need ask for removal of deletion off my credit files if cant provide. no response.. NO CONTRACT
In XXXX of 2016 my XXXX XXXX account was in good standing, and there was an available credit. I was making my payments on time each month. Although I was making my payments on time each month, the payments were becoming a bit too much. I was going through a divorce and my husband left me with nothing. I called in to speak with someone as to what options I would have. I was told that I could enter into a hardship program. I was told to make a payment of {$79.00} a month for one year, and that I would not be charged any interest as long as I did this. I did exactly what I was told and made the 2st payment by the day that I was told to make the payment. After that first payment I received an email that I not only missed payment but that I had a late fee because I did not pay the minimum amount due, even though I was told to only pay {$79.00}. There was a mistake on the behalf of the credit card company. I was told not to worry about it, and to continue making the payments, and that whatever interest charges & late fees I received would be knocked off the account. Each month went by and those fees were not removed. Every time I would call and ask about it, I was told not to worry about it, and at the end of the years time, it will reflect all my payments. Well at the end of the years time, I started back receiving regular charges they were way too much for me to afford in the original charges and fees that I received after making the first {$79.00} payment was never removed. Also, the payments I had made over the year were not showing. My available credit at the end of the program was less than what it was before I started the program. When I called back after a year to ask why it was still on there and to get the situation rectified the service rep as well as the so-called manager that I was put in contact with was completely disrespectful. They laughed at me, they basically told me that there was nothing I can do when I asked what was going to be done. The guy literally told me he was not going to do anything, and that I needed to make the payments. Well now the payments are too high for me to make and it is making my credit score go down. When my husband left me I was really struggling and my credit score was down below 400.  I have worked really hard over the last year to pull my credit score up to about 635. It has now knocked down numerous points each month because of this one credit card. I feel helpless and I do n't know what to do.
I am filing this complain because experian has ignored my request to provide me with the documents that their company has on file that was used yo verify the accounts I disputed. Being that they have gone past the 30 days 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
We paid cash and closed on XXXX acres of land with closing agent XXXX XXXX at XXXX XXXX XXXX XXXX,XXXX XXXX XXXX XXXX, Suite XXXX, XXXX , TX XXXX on XX/XX/2017. We were guided to this title company by the Listing Agent, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX TX XXXX. 

One month after we closed, we deeded half the property to our son and daughter in law and we each received applications to renew the ag exemption. When I called to tell them there was no such exemption our nightmare began. As the State of Texas Qualifiation Requirements state, " Acreage Requirement : the State of Texas has set a minimum of 5 acres and a maximum of 20. '' The first page of the closing affidavit states there was NO ag exemption. We were not told prior to or during closing that there was an ag exemption on the property We were not given a Tax statement at closing that would have indicated ag exemptions. We were not given the opportunity to negotiate that. Because of the minimum acreage requirement to even have ag exemption it should have been brought to our attention at closing. 

We are being charged over {$4000.00} for rollback taxes that we don't believe we should be charged for. 

XXXX XXXX at XXXX XXXX XXXX doesn't return my calls. We were denied the claim we filed with the XXXX XXXX XXXX. 

With everything that has transpired we had no reason to even question ag exemptions at closing. 

In addition to all the above, all of our closing documents state the property is in XXXX XXXX Texas but we have since found out it is in fact in XXXX Texas.
I  filled out an application with USAA for a credit card. Instead 0f telling me whether I was accepted or not - they requested that I make an account with USAA.I called and they said that I needed to accept a text message security code to find out if I have an account with USAA. To me that 's putting the cart before the horse. I request that USAA delet e all information gathered by my application process and cancel my application-no harm no file.
XXXX  Complaint XX/XX/XXXX I have had a loan with XXXX   sinceXX/XX/XXXX. I changed jobs on XX/XX/XXXX. My paydates changed and I was now getting paid on the XXXX   and XXXX of the month. I immediately contacted XXXX to advise them of the change in my paydates. I spoke with several employees there and was told to send then a letter from my boss showing my paydates and I would be fine. My loan still has not been adjusted.The paydates XXXX   has me on shows my payments scheduled a week or more before my actual paydate. During some months with 5 weeks XXXX expect me to make a payment. How when I get paid semi-monthly. When I had extra money I had no problem making those extra payments. I don't have the extra that's why I asked to change my due dates. XXXX the Account Manager says repeatedly XXXX  don't change dud dates. She continues to refuse to change it, but they consistently call me for payments and I hadn't gotten paid yet. I only have 1 year left to payoff my loan. Now this will be my 2 payoff auto loan with XXXX. I am only asking for my due dates to be changed to th XXXX  and the XXXX ; witch are my paydates. Thank you for your assistance with this matter
After all the bad publicity for cheating their customers last several years, I was hestiant to re-try my banking with wells fargo, however, due to a decent offer they had where if you open an account, and receive direct deposits total {$1500.00} each month for three consectuive month, they would award you {$300.00} I decided to apply for an account.

Upon applying for the account and funding it with the necessary amount of money, I received an email stating " Your application has been approved, and your new account is eligible to receive a bonus offer. '' IT WAS BASED ON THIS EMAIL, THAT I THEN INVESTED MY TIME, EFFORT, AND THE WORK NECESSARY TO SATISFY THE REQUIREMENTS TO RECEIVE MY BONUS. ( please see a screenshot of the email in page 1 of the attached pdf ) Additionally, When I contacted them with a secure message they stated that the only reason I had not received the bonus was due to them not having received a XXXX form from me. I preceed to follow their instructions, print, and complete the form. I walked into a local branch and spoke with a banker regarding my account so that he can submit the XXXX form on my behalf ( he faxed in the form ). This banker also informed me that once they receive my XXXX form they would credit my account with the bonus.

I still have not received my bonus, and it has been in excess of the 45 day period that they specified in the offer. When I contacted the bank again, they said that it was because I had an account with them in the past 12 month. If this was a valid reason, for me not to have received a bonus, they should not have spent me an email stating that my account is " eligible to receive a bonus offer '', nor should the secure message team that responded to my question indicated that I was only missing a XXXX form in order to receive my bonus, nor should the in-person banker have indicated to me that I would receive my bonus. It was based on their communication with me that I invested the effort and hard work to satsify the requirements to receive the bonus, and now they are going back on their word. This bank has a history of deceiving its customers, and this is a continuition of this behavior. Wells Fargo continues to miss treat its customers into 2018. They should not be allowed to treat customers in this manner.
I have asked Portfolio Recovery to validate a collection they are reporting on my credit reports from XXXX/XXXX/16 to XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
I previously have contacted these companies regarding the late payments they're reporting on my credit report for validation of proof of the late payments. After several attempts no justification has been satisfied with this issue.
I have been battling this issue, and others, with Navient for several months. Ive submitted several complaints through their ombudsman and advocate office, as well as three CFPB complaints. One of the cases ( XXXX ) was documented as duplicate. None of my complaints have been resolved yet theyve been marked as closed. Part of my last complaint was regarding a fraudulent loan. While Im fighting the fraud issue, Im still trying to keep the loan from becoming increasingly delinquent. Upon submitting financial information for myself and my mother who is the co-signer, I was placed in a payment program. In the first three months of the program, I had to submit another complaint due to a manager deciding I was no longer eligible for the program, regardless of my XXXX status. The advocates office got involved again. They discontinued the payments and placed my accounts in an administrative hold status. While I was working on the medical documentation required for my XXXX request, my mother received a call from Navient about the loan defaulting. I called the person back and he stated one of the loans had now defaulted due to no payments being made and its been reported to the credit bureaus as a charge off. I made it explicitly clear this information was not accurate. After ending the call I reached out to the advocates office to find out what was happening as none of this made any sense. Approximately 2 weeks later, I was informed that the loan is now in the Navient recovery office for default but that a payment arrangement could be made and the interest reduced to nearly 0 %. Ive reached out to this recovery office but have yet to speak to the person who is said to be the account manager. This cant be legal. This account had three payments made, via the required ACH process. The loan was then on an administrative hold. So I dont understand how they are now able to say no payments were ever made and have subsequently charged the loan off. Not only is this loan included in my current request for the Borrowers Defense Act against XXXX XXXX, its also the loan Im fighting for fraudulently being processed. Its also the same loan Ive submitted complaints to your office about, including written and voice-recorded documentation. Theyve now severely ruined my mothers credit and mine and if this complaint is addressed in the same manner as my previous complaints, allowing things to progress to the present status Im facing, they will get away with multiple illegal actions.
I applied for a student credit card and was denied. I only have ( XXXX ) bad thing that has been on my report for 6 years and I was denied and I think it 's for credit discrimination. Everything else on my credit report is good and in great standing.