WillisBack/dataset-financial-user-claim huggingface dataset:
signed up thru Home Depot account ( Citi group ) Payment was made thru this system. Received an alert for change on credit report, upon investigation it was determined this was the account that alerted. I received NO indication that this was an issue, however I continued to receive marketing materials from them. I contacted HD credit card services they initially stated that there was some problem in processing. Best they came up with was that the routing number information must have been entered wrong. No answer given was in any attempt to rectify this issue just excuses. Was forwarded up the chain and was told that when the payment was made they would forward that for consideration for removal. Was given the run around when asked when this would be removed and why was I not notified of this issue before the credit report was made. As of today that account will be current to satisfy the issue however i received no satisfactory answer as to this report on my credit.
Ally Bank currently has XXXX Raise Your Rate CD products - a XXXX CD that allows you to raise your rate once during the life of the product and a XXXX CD that allows you to raise the XXXX twice during the life of the product. Currently, the initial rates for the XXXX and XXXX -yr are XXXX and XXXX, respectively. The reason consumers went into these products was so they did n't get stuck when interest rates started to rise - just as the product was marketed by Ally. Now that interest rates have started to increase neither of these rates has budged. Ally is not being competitive with these rates. Per XXXX, the rate they offer for a XXXX is XXXX best and the rate for their XXXX is XXXX best among banks. What 's most telling is that if I wanted to put {$25000.00} in a XXXX with Ally today they 'd pay me a rate of XXXX for XXXX, but only XXXX for XXXX. From a bank 's perspective, I would think that 's counter-intuitive, but it reflects their rates as of today. Even though the XXXX bond market has a normal yield curve, Ally 's in inverted. I believe they wo n't move the rate on the XXXX and XXXX because customers would exercise their option to increase the rate and Ally does n't want to pay up. They should eliminate this deceptive product. If consumers knew that they never intended, in good faith, to budge on these rates, they would have opted to go for a straight CD that paid a little more, rather than paying for the Raise Your XXXX XXXX option - an option that appears worthless. Take their rates today on the XXXX straight CD, which is XXXX. I get XXXX basis points more for a XXXX shorter term CD than the XXXX CD paying XXXX. If past is prologue, I would n't expect Ally to move the XXXX rate. It does n't appear that they are under any obligation to do so, yet the product exists.
On XXXX 2017 I received an email from XXXX alerting me that equifax had a data breach. They suggested I lock my XXXX credit file, but this requires signing up for a $ XXXX/mo ( {$5.00} first month ) premium account which I 'm not interested in. 

They also suggested ( via a link ) that I create a 90-day fraud alert, but their systems did n't allow to do this immediately. They required that I physically mail them which is not possible as I 'm traveling without my social security card ( copy required for identification ).
The following name and addresses are reported incorrectly on my credit report and are putting me at risk for identity theft or a credit merge. Incorrect Names : XXXX XXXX XXXX XXXX XXXX 2 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX
Discover card closed my account last week because a review showed a change to my credit score, which I had already taken care of by settling an old debt which I just became aware of. Unfortunately, it will take time for the settlement to impact the score. I had a zero balance with Discover and a perfect history but they just closed my account and sent me an email to that effect last week.
I was looking for a new renowned international bank with a presence in the US, since I travel a lot. I came across an offer from HSBC US for a Choice Checking account, which included a welcome offer of {$200.00} when activity was met. The nearest branch is about 15-20 minutes from my house so I decided to apply online. I can't describe how frustrating it has become dealing with this bank. After about 30-40 questions and a 30 minute application process, it states all applications need to be verified and somebody would contact me back in 48 hours. The days went by and I called, I was connected to an overseas call center and they explained me I had to wait some more. I asked to speak with a supervisor and I was told they have no supervisors. I waited some more and called again, I was told I need to contact each Credit Bureau and submit a copy of my credit report in writing to them. What the heck? Never in my life have I been asked to submit a credit report. They can do that themselves. Why in the world are we as a country allowing this bank to operate in our country? By the way, at the end of the last call, the person called XXXX told me : " I need you to hang up now sir, we're done here ''. 

Reference Number : XXXX
There is a delinquent payment posted to my credit report for my XXXX account ; however, this was the fault internally of XXXX when they transferred out of XXXX XXXX. I was in income sensitive forbearance when this transfer occurred. I moved to Florida to pursue work with my XXXX XXXX, which I had not obtained up to XXXX. I had submitted the proper forms for deferment. I was in a major car accident where I had to go through rehabilitation in XXXX. I never received any type of correspondence from XXXX regarding the status of my forbearance. I then started to look into going back to school to obtain my XXXX XXXX. I was accepted in late XXXX. It was not until I looked at my credit report that I noticed there was a delinquent payment noted on my XXXX account. From when XXXX XXXX was the servicer back in XXXX XXXX. This was when I was still in rehabilitation and determined to be XXXX XXXX XXXX from being XXXX XXXX XXXX XXXX XXXX, and I lost my job due to this injury that was not my fault, and I have hundreds of supporting documents from the lawsuits. I never received written or email notification like I do from XXXX XXXX XXXX, and my current SNHU  Loans. I was in injury and jobless forbearance in XXXX, and then I went direct into my XXXX degree in XXXX. Also, it is only 1 payment marked as late, and it is marked as XXXX Days late under worst payment status. under Times 30/60/90 days late XXXX appears. How can I not have marks under 30, 60 days late and a huge hit on XXXX when I was entering school, in rehabilitation for injury, and in forbearances with my other loans. I filed all the correct paperwork out. This is the fault of XXXX and their mishandling of digital and physical paper files, and not sending out proper communications. Also, this hit is the only derogatory mark on my credit and it is making it so I can not even rent my own apartment or condo. This mark is unfair. I have already disputed it twice, and there is a mark consumer disagrees and previous dispute on my credit report in which my broker stated I would not be able to get a mortgage until that is removed, and XXXX Refuses to remove it. They hang up on me every time I try to talk to them about this.
Hello The collections on my report XXXX XXXX XXXX in the amount of XXXX XXXX ( opened date XXXX/XXXX/XXXX ) They have refused to remove this account from my 3 reports. The 2nd account is XXXX XXXX XXXX in the amount XXXX XXXX ( opened date XXXX/XXXX/XXXX ) both company 's have refused to remove this from my report.
Checking on my TransUnion Credit report i found an inquiry from XXXX XXXX phone Co that i did not authorized or have an account with, I called Transunion to see how can the inquiry be removed from my credit report, they refer me to XXXX for a Removal of Inquiry letter when i called XXXX they informed me did not provide such a document to of course call Transunion that only they can do the removal. The back and forth begins.
Attempting to collect a debt for an apartment complex for an NSF check which was paid. All the rent for the entire lease was paid in full before I moved out. A year later, I receive a letter from the debt collector about the NSF. I sent documented information  3  weeks ago of all payments made and now they are asking me to send it again. They also advised me to email it and now they 're saying they did n't receive that either. Today when I called they said they are waiting for documentation from the apt complex  regarding my dispute. Should n't they have received all the documentation they needed   before charging me with an unpaid debt and placing that on my credit report.   The initial letter was dated  XXXX / XXXX /   17  ; it stated that I had 30 days to contact them or they would consider the debt valid. I contacted them and registered the dispute before those 30 days were up and sent them the information. Collection is listed as  XXXX / XXXX / 17  on my credit report.
Upon careful review of my Transunion credit file I determined there is a Public Record listed under my name. Please validate this information and provide me with copies of any and all documentation associated with these accounts bearing my signature. I formally request that this information be immediately deleted from the credit file you maintain under my social security number. 
Please note that I am closely monitoring my credit file and you have exactly 30 days to complete this investigation as per the Fair Credit Reporting Act 623 ( a ) ( 3 ) and I will be keeping very careful records of all actions taken regarding my file. 
A Bankruptcy is public information. Again the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcy 's through third-party research.
I filed a dispute with Transunion XXXX XXXX. The dispute was to have Chapter XXXX removed from my report. It was originally discharged, XXXX/XXXX/XXXX and only reopened for a month in XX/XX/XXXX to correct a document. It should not remain on my report. I have not heard anything from Transunion after faxing the information. When I go online and enter my dispute # nothing comes up. I have called twice and nobody can give me any details of how they are resolving the situation. When I look at my credit monitoring it still shows up and my scores have dropped by 20 + points. There is also another negative remark from XXXX XXXX XXXX that shows as a discharge on my report for {$1000.00}. It was recently added XXXX XXXX. I mentioned this in my dispute and they are doing nothing on my behalf to investigate this. The item from XXXX is not my loan. This was a loan they had with my son that was closed XX/XX/XXXX and now they are adding this negative remark to my report 14 years later. It is my ask that these things are removed from my credit reporting with Transunion and any other reporting agencies. I have tried to get answers from Transunion but I am getting nowhere.
I am disputing acredit card Idid not apply for I received it at Sears They said it was a gift Idid not recieve any application for this And I paid my card off in 2014 but I keep getting billings for this and I did not use this card My payments keep going up and up my bank history payments on this card are over XXXX Plus XXXX XXXX Now they have even tried to give me a number ending in XXXX. No card with this Number my card number is XXXX XXXX XXXX XXXX I refuse to pay anymore payments on this card
Went to a Wells Fargo Branch to apply for a HELOC. The Loan Officer asked me some questions regarding the amount I owed on my home and how much I thought it was worth. I responded the best I could with XXXX amounts. The Loan Officer ( XXXX XXXX from the XXXX XXXX informed me that I would not qualify for a HELOC as my Loan to Value ratio was too high based on the estimates I provided ( Wells Fargo HELOC caps at 85 % LTV ). He quickly offered another product ( non-collateralized personal loan ) for which he did take a complete application. Ultimately I was declined based on my Credit Bureau score being out of range for the product. I subsequently went to another bank, where I made the exact same request for a HELOC. The Loan officer there immediately began the process of taking an application for the HELOC, which incidentally I was conditionally approved. I am not sure how Wells Fargo knew that I would n't qualify without taking an application for a HELOC, but decided to take the application for the personal line of credit. I did some investigation and found that under the Equal Credit Opportunity Act ( Regulation B ) that the answer I received from XXXX XXXX regarding a HELOC would constitute a Declination without an application. Additionally, moving me to the personal Line of credit without taking an application for the HELOC would constitute steering, which is prohibited. It is also my understanding that these actions would be a violation of the Federal Fair Housing Act ( Title XXXX of the Civil Rights act of 1968 ). I am an XXXX XXXX Female, and feel based on the actions presented that Wells Fargo is in violation of both ECOA and FHA based on discrimination based on race and gender.
I have notified   XXXX   that they are reporting  XXXX  wrong addresses on my credit file. I have never lived at  XXXX   XXXX  and  XXXX   XXXX . Please remove these addresses from my credit file.
When my loan was with XXXX XXXX and I was having a difficult time paying my loan they convinced me to use my all my options to continue to delay my payments. At the time, with a young family, I thought XXXX XXXX had my best interests in mind and I agreed to move forward. I did n't fully understand that later in life I would no longer have this option if I ever needed it again. Also the interest was continuing to be charged, so it meant that XXXX XXXX was making more money off me. When XXXX sold my account to Navient I had moved and did not receive the notifications. Navient was not sending me paper bills and the emails they were sending were going to my spam. After I realized I should be paying Navient I called and emailed them multiple times asking them to send me paper bills, and to take off any penalties or credit reporting of late payments however they would not remove any penalties. They finally started sending paper bills. I have had my original loan since 1999 and I do not have even 1/2 paid off. Interest and penalties have piled up so much that my loan is costing me an extremely high amount. This is not something companies should be allowed to do for people who 've taken out student loans with a reputable company only to be sold to another and treated this way.
I have recently pulled my XXXX and TransUnion credit reports and noticed accounts that have been investigated and deleted by another credit bureau are still being reported by XXXX. Attached to this letter is proof that these accounts were deleted. Please follow suit and delete the accounts for accurate reporting. They must be deleted in order to show my true credit history. 

The Fair Credit Reporting Act, 15 U.S.C. 1681, I EXPECT YOU TO COMPLETE THE REMOVAL WITHIN 30 DAYS. 

XXXX has removed all the accounts listed below XX/XX/XXXX Reference # XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Reference # XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Reference # XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Reference # XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Reference # XXXX XXXX XXXX XXXX XXXX  XXXX
multiple letters were sent to national credit systems and request for documentation to validate debt per fcra. I received notification from the credit bureaus stating that the account was verified. I did n't receive proof of investigation for account number XXXX. 
this account has also been on my credit report for 7years which is from my understanding when it should drop from my credit report. do n't know if they have a license to collect in Texas.
Coast to Coast Financal Solutions has continue collaborating with the scam of XXXX XXXX XXXX XXXX XXXX certified letter were already sent. 

Coast to Coast Financal Solutions is well aware of the willful conduct of XXXX XXXX XXXX XXXX XXXX and reported fraudulent collection account to my file
The company has contacted me repeatedly to attempt to collect a debt that I do not owe. I tried to reason with these people and they continued to lie and harass me. The rental application ( which I can submit ) specifically states that unless you pay the application fee, your application would not be processed. No application = no deposit and no hold on a unit. However, after I relayed this information to ProCollect, they yelled at me and accused me of not paying my bills. I requested that they no longer contact me until they send me proof of the bill and they did neither. I am still awaiting proof til this day. All they have ever sent me was a invoice that was sent to them! That 's not proof of me agreeing to pay a deposit or being forced into a apartment I did not put a deposit in for either! My application fee was returned because I accidentally was {$.00} short of the {$35.00}. I called the representative I was in contact with immediately and let him know of the situation and that I would have to wait until I could come up with enough to pay it in cash. He said " okay. '' That was the end of that! 

Until 2016. This year they found me and harassed me. It has stopped me from getting an apartment that would 've helped me out a lot. I am disgusted with the representatives and the company 's response in general! I want them to remove the mark on my credit report and stop contacting me about {$230.00} that I do not owe!
There was a call on my mother 's voicemail from someone named XXXX XXXX threatening to arrest me for a loan that I do not even recall. When I attempted to get some answers regarding this, a young lady got o the line speaking very rudely and loud talking telling me that I did something fraudulently but when I began to question her about where this lawsuit was filed so that I could look it up, she started yelling and then hung up on me. All I could get was that apparently this took place in 2013. Both the young lady I spoke with and XXXX XXXX were verbally abusive and I have gotten no less than 6 calls in the last 15 minutes from XXXX XXXX yelling at me and telling that I need to tell him where to come to " serve me ''. I have had to block the telephone number. His voice message states that I have charges and a claim filed against me but they will not tell me where. Only a file number. I have no idea what they are talking about. This conduct is beyond acceptable.
XX/XX/XXXX I began to see unauthorized charges from XXXX come out of my account so I called to discuss it with someone by the name of XXXX. She proceeded to basically tell me there was nothing I could do about it until my account was brought out of the negative. So I then asked her to close my account and I would pay the negative balance and dispute later. She advised she could close my account but if XXXX continued to try to charge whatever they were charging it would open back up and they would continue to allow the charges to go through and charge me {$38.00} in NSF fees for each charge. I called numerous times after this in attempts to salvage my account but with all the NSF fees I could no longer afford to. There was no assistance disputing anything, no flag put on my account or anything. I ended up opening an account with the bank I work with now and waited for some type of collection activity to take place so I could dispute it, which never happened. Fast forward to XX/XX/XXXX I had to face compass again because my income tax check was sent to them in error. I attempted to call and explain what happened and was told to go to a branch to discuss it. Went to the branch to discuss it on XXXX and was told they were going to keep my income tax money and that the only thing I could do was file a police report for the invalid XXXX charges and they don't know what will happen after that. So still a year later and no resolution. I had my account in good standings with this company for 10 plus years and this is the treatment I recieved. They've done this to numerous individuals even some I know personally. This company needs to be addressed for their deceptive and unfair treatment of their customers.
This is on all XXXX credit bureaus. On XXXX XXXX I traded in a XXXX for a XXXX. Some reports have that I have XXXX car loans, I have XXXX. Under each of the reports inquires they have listed XXXX XXXX XX/XX/XXXX14- XXXX XXXX XXXX XX/XX/XXXX/14- XXXX XX/XX/XXXX/14-auto XXXX XXXX XXXX XX/XX/XXXX/14XXXX XXXX XXXX XXXX/XXXX/14 Where I purchased the car XXXX XXXX/XXXX/14 Which is my loan company XXXX XXXX/XXXX/14 It is my understanding that there should only be XXXX loan inquiry for this purchase. This greatly effects my credit and my score
I have a capital one credit card and I was late with one payment. I called and explained my situation to a customer service representative and asked for a goodwill adjustment since I was only late the one time. She informed me that she would dispute the late payment on her end and suggested that I dispute it with the XXXX credit bureaus myself. After disputing the late payment I called capital one back and was told that it was approved and that the late fees would be refunded. The credit bureaus removed the late payment from my credit reports. I then received a letter stating that they report to the credit bureaus accurate information and that they can not change their reporting on a courtesy basis. They also said they they have placed a disagreement code with a resolution of dispute on my credit file to the major credit reporting agencies. I called and spoke with a supervisor and he told me that the customer service rep should n't have put in a dispute on my behalf and that is why they sent the letter. This will affect my credit and I requested that capital one remove the code and follow through with what they originally said to me. The supervisor told me that he will not remove the code and I feel that it is unfair that this company can put in a dispute on my behalf only to turn around and put a code on my credit report. I am requesting that this code be removed from my credit reports due to them disputing it on my behalf.
I suffered damage to my home from Hurricane Maria on XX/XX/2018. I received a settlement check from my insurance company which I sent to the Mortgage company ( Capital Mortgage Services of Texas , Inc. ) since they had to endorse it. I have a contractor fixing my house now, but I could not obtain a contractor immediately due to their current work load. They started work on XX/XX/XXXX. 

Between the time of XX/XX/XXXX and XX/XX/XXXX I had to undertake a few repairs myself, such as demoing hazards from my damaged roof and patio deck. My contractor had already quoted a price for this, but its no longer necessary to do some of that work, since it has already been repaired. We removed the work from the contractor 's contract that had already been done. 

I asked my mortgage company what happens to the surplus money since insurance had already paid for these repairs. They said that they could not return any surplus funds to me and that it had to go to pay towards the balance of the loan. I am in good standing, and never missed a payment. It was my understanding that they could only collect on insurance claims if you are not in good standing. They also stated that they can not pay home-owners for self performing work. 

Additionally, they will not issue disbursements to me without first getting an inspection. They are automatically deducting {$120.00} from my escrow account for each inspection. The paperwork I signed said that inspections may be required and would cost between {$25.00} and {$50.00}. They are calling for the inspections and then taking money from my insurance settlement to pay for them, which seems unscrupulous.