WillisBack/dataset-financial-user-claim huggingface dataset:
Citibank obtained my credit report without my authorization. I requested a credit line increase on XX/XX/2016 through Citi Online self service. At the time of my request, a disclosure explicitly stated and I quote, " It 's easy to find out if you qualify for a credit limit increase. A credit bureau report will not be requested and you will receive an instant decision. '' Therefore, I went ahead submitted my request and received a confirmation email the next stating my request has been received and will be reviewed. I 'll be contacted with a decision. Several days later, I noticed my credit line has been increased. This happened without further communication from Citi. Earlier this month, when I was reviewing my XXXX consumer report, a hard inquiry dated XX/XX/2016 was placed on my credit report by Citi. I consider this an unauthorized since Citi stated explicitly a credit report would not be pulled and I did not provide my authorization for Citi to do so. This could potential prevent me from obtaining other financial products or receiving a higher interest rate than I would without this inquiry. I 've contacted Citi several times and was placed on hold and transferred with extended period of time with no solution provided. Eventually, I was asked to send a letter to a PO box in order to have this reviewed. I do not feel the burden of proof should be on me since this is clearly an error by Citi. I would like to leverage the assistance of your agency to have Citi resolve their error and the inquiry removed from my consumer report as soon as possible.
I wanted to take my money out of my coinbase account, but i am unable to do it. They are n't replying to my request on gmail and XXXX. I have been trying to contact since months but no reply.
My mortgage servicer has unfairly denied my application for a loan modification. They made an error in the utilization of income and they denied the modification based on only a portion of the income calculated. This decision was appealed and SPS reviewed the file again and once again denied the modification. The denial was contradictory and was disputed. I have not received a written final denial in violation of the XXXX guidelines.
XXXX  has been non-compliant with removing the unverified account XXXX/XXXX  Opened Date XX/XX/2000 which has been deleted by XXXX  and XXXX . XXXX and XXXX  have both completed their research and determined that XXXX/XXXX  was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
I entered into an agreement with discovercard several years ago whereby they would waive late fees and cut my interest rate if i got on a regular payment plan. I have been paying them XXXX every month for several years. Earlier this year I was not able to make a payment, subsequently we entered a new arangement whereby I would pay XXXX for a set period of time. Even though I paid the XXXX in XX/XX/XXXX and XX/XX/XXXX they said they charged off my account on XXXX/XXXX/2015. I have no access to it online nor will they send me statements. I am supposed to keep paying them and if I have questions call them on the phone. I was under the impression that revolving debt had to be delinquent XXXX consecutive days to be charged off. This is not the case. Please help. Thank you.
O/n XX/XX/2618 I contacted Fay Servicing by email to follow up on the payment deferment request my wife made on by phone a few days before. I did not receive a reply from them until XX/XX/18 after I filed a complaint with CFPB on XX/XX/18. 

On XX/XX/18 my wife and I submitted the application for deferment with all required documents explaining our financial hardship situation. After two months, we received a letter dated XX/XX/18 from Fay Servicing stating : " ... unfortunately you are not eligible for an alternative to foreclosure. Our review indicates that, although you may have a hardship, you do not qualify for any available loss mitigation options ''. However, Fay Servicing did not explain in the letter why we are not eligible for payment deferment, even though we may have a hardship.
I was having issues making my auto loan payment using my XXXX XXXX XXXX mobile application, so I called in to XXXX customer service department to make my payment. I was NOT charged a late fee and was also told by the representative that this would not be reported negatively to the credit bureaus. If I had any issues to call back so they can correct THEIR error. Well then I was reported for a late payement on my auto loan which caused my credit score to drop over 70 points, for something that was not my issue. I talked to a supervisor at the credit union and he recommended that I dispute the error with the credit bureaus. So I filed a dispute with XXXX and Equifax. Well after 30 days XXXX has removed the late payment and negative mark from my credit report. But Equifax is showing that the investigation is closed and they are not making any changes to the negative remarks. I don't understand how one bureau will recognize the banks error and correct it and the other bureau will not.. PLEASE HELP. That impact on my credit score is affecting my family 's life and future. On something that was at no fault of mine.
I just got off of a very frustrating phone call with Chase and wanted you to be aware of a bank policy that is hugely profitable for them, and unnecessarily punitive for their customers. 
Thursday evening, XX/XX/XXXX, at XXXX Chase processed a {$20.00} check I had written to my son 's school. We were cutting it close that week, but as of XXXX when I went to bed, we still had a positive {$4.00} balance in our account. I know. Like I said, we were cutting it close. But since we had that positive balance, as meager as it was, I went to sleep thinking " phew, we made it, '' because my husband 's direct deposit would be in our account at XXXX. 
However, I 've come to learn that we did n't make it. 
Chase begins processing transactions at XXXX and this {$20.00} was processed, overdrafted our account, and we were charged a {$34.00} overdraft fee just in time before the paycheck was directly deposited. Seems pretty convenient for Chase. 
I absolutely take responsibility for cutting it far too close for any error that week, but to be honest, that 's what many of us do who are living paycheck-to-paycheck. 
In XX/XX/XXXX, America 's top XXXX banks, Chase, XXXX XXXX, and XXXX XXXX XXXX raked in OVER XXXX in overdraft fees. They make that profit on the backs of people like me and my family. The people who can least afford it. 
Additionally, to keep in mind that my bank processed my check and fee while I was sleeping, when I was in no position to rectify the situation, but also did n't even know about it is sneaky and shady to say the least. 
Had that transaction taken place while I was awake, during business hours, I could have transferred money from my savings to my checking to avoid the {$34.00} penalty. 
The working class sure got a lot of attention during the XX/XX/XXXX election, but I want my elected representatives to remember that the loss of manufacturing is n't the only thing hurting working class people. 
We pay heavily in our day-to-day financial interactions in fees, interest, and penalties and the safety net enjoyed by the wealthy is far out of reach for us. 

I greatly appreciate your time and the work you do for all of us. 

Optimistically, XXXX
Since XX/XX/XXXX I 've sent disputes to Experian informing them of inaccurate personal information on my credit report. I 've included copies of my documents as required. There are XXXX inaccurate personal information that needs to be removed from my report ; that 's XXXX inaccurate names and XXXX inaccurate addresses. See enclosed copies of my documents : Passport, social, utility bill and previous copy of dispute mailed to Experian on XX/XX/XXXX They were in receipt of my last dispute over XXXX days ago and nothing was processed!
Upon reviewing my account it looks as if I have a LOT of inquiries that do NOT belong to me on my account. I even have some that show up at multiple dates. I sent certified letters in XXXX in regards to this issue and have not heard back from XXXX, XXXX and Transunion. They are all dated for the year of 2016. I would like for the below inquiries to be deleted. '' I have explained myself about the the email system of XXXX being breached. I even had to call to remove addresses that I 've never lived.
In XXXX I opened a new credit card with Navy Federal Credit Union. The card had a promotional rate of 0 % for balance transfers for 15 months. Once I opened the account I decided to use the card for all of my purchases in addition to the {$9700.00} balance I transferred in. I called customer service and inquired as to how payments were applied to balances and how interest was charged. I was told, in XXXX, that if my purchase balance was paid in full each month by the due date, I would not incur any interest charges-regardless of the promotional balance because the promotional balance had a 0 % interest. For the last two months I have been changed interest by the credit card company, even though I pay off my entire purchase balance each month ( and then some to bring down the balance transfers XXXX. 
When I challenged the company this past month, they explained to me that even though their " statement disclosure '' states that " We will not charge you interest on purchases if you pay your entire balance by the due date each month, '' they claim that they calculate interest using the " average daily balance '' which takes into account the balance transfer ( even though the balance transfer has a promotional rate of 0 % ). 
The terms of their agreement are deceptive and I believe how they are charge/calculate interest is deceptive and intended to confuse customers in an attempt to charge interest on promotional balance transfers that are allegedly 0 %. Their own customer service staff were perplexed why I was being charged interest and were largely unable to explain how I was being charged interest when the purchase balance was paid, in full, each month and the promotional balance transfer rate was 0 %.
I FILLED OUT ALL THE INFORMATION AND WITHOUT ANY EXPLANATION, THEY DID NOT RELEASE MY REPORT OR SCORE.
I am having the most difficult time with Transunion, I recently received a copy of my TransUnion credit report on XX/XX/XXXX. I have been calling them for the past two months ( XXXX & XXXX ) about unauthorized inquiries I do not recognize on my credit report. I also sent a certified letter on XX/XX/XXXX, requesting they delete XXXX of the XXXX inquiries on my credit file. I understand that Transunion should n't be allowed to put an inquiry on my file unless I have authorized it. I also understand under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the accounts listed. Transunion has not provided me any proof or resolution to my concern.
I have tried negotiating to pay Zales the full original balance and have this account closed and removed from my credit report or updated to paid in full and late payments removed. Agents have hung up on me.
Since XX/XX/XXXX I have submitted disputes to the credit bureaus and spoke with company directly about incorrect information on my credit file showing my loan defaulted by 90 days yet my account was in inschool deferment. Fedloan had removed the 90 late then it was reinserted back on my file only to show now it 90 days late only in XX/XX/XXXX but in good standing in XX/XX/XXXX, XX/XX/XXXX and moths leading up to now. In the comments it states account resolved by grantor yet it is not and the bureaus have not done a proper investigation after numerous ongoing disputes
Account was settled on XXXX XXXX it was an account from XX/XX/XXXX and Lvnv reported the balance as a geliquent acct opened in XX/XX/XXXX it was reported on XXXX XXXX XXXX
I never authorized these accounts or Inquiries. My signature is not on anything. 

XXXX XXXX {$390.00} ... XXXX/XXXX/XXXX XXXX XXXX {$310.00} ... XXXX/XXXX/XXXX XXXX {$490.00} ... XXXX/XXXX/XXXX XXXX XXXX XXXX ... XXXX/XXXX/XXXX XXXX {$360.00} ... XXXX/XXXX/XXXX XXXX XXXX {$590.00} ... XXXX/XXXX/XXXX XXXX XXXX {$1000.00} ... XXXX/XXXX/XXXX
On  XXXX  2017,  I reported to Equifax that there were accounts reporting inaccurately on my credit report, and requested them to be removed due to them not belonging to me. There are   XXXX   accounts the remain on my credit report that are reporting and do not belong to me, nor had the  Credit  reporting agency provided me with information pertaining to validation such as a name and contact information with whom they validated this information with. The following accounts are reporting incorrect on my account :   XXXX   XXXX  - Acct #  XXXX   XXXX   XXXX  Acct #  XXXX   XXXX   XXXX  Acct #  XXXX   XXXX   XXXX  Acct #  XXXX   XXXX - Acct #  XXXX  To date, Equifax has not provided me with any proof of a contract, nor proof of validation from whom these incorrect accounts were validated with.
USAA Federal Savings Bank is retaliating against me for filing complaint number XXXX for failing to refund my money on a credit card. I called them to report a Dispute on my USAA Checking Account and they have done nothing for 5 days, but give me excuses why they can not give me a provision credit. I have all the documentation for the two charges of {$80.00} for a Deposit for Electric Services and {$120.00} for prepaid energy services that XXXX XXXX was unable to deliver upon. XXXX XXXX said they could get me electric service in about 7 days. They said they could not get me the service after I paid them my last {$200.00} because I needed to get and Easement from some unknown person and they sent me a bill for {$2000.00} approx that they did not discuss when I opened the account. I have closed the account and they have not refunded my money. USAA has not assigned anyone to investigate the case, because they are trying to create Fake Fees OVERDRAFTS in my account. This is retaliation and the FDIC should be notified, because they must be some pretty big irregularities at USAA. It sounds like some kind of Ponzi Scheme is going on at USAA.
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX   Last reported : XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this  title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX Last reported : XX/XX/XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX   SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
The lender has failed to respond to our QWR and  Notice of error request sent on XXXX/XXXX/XXXX and are proceeding to sale set for XXXX/XXXX/XXXX - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel. Department has not completed request and have not given any details as to completion. lender further has further refused to accept the additional documents requested by client because of error of fax that seems to be on their end. Please consider this correspondence to be formal notice that our mutual client is hereby appealing the denial of loan modification because your company failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ).
On XXXX XX/XX/2018 I desposited my school refund and a cashiers chque in the total of amount of {$47.00}, XXXX. 

The monies were available for more than thirty days which my bank PNC then determines the cashiers check was fraudulent and took all the monies back with out an investigation. Are banks insured by FDIC? 

Never in my life have had a check bounce. How will my bills get paid? PNC took all money back and spoke with an investment bankers who said they were not suppose to go in my account and do that without an official investigation.
Loan Payoff : Wells Fargo Bank loan was originally a XXXX Loan. XXXX received a loan for {$360000.00}. The loan was meant to pay off my existing first deed of Trust which was for {$170000.00} recorded XXXX. This {$170000.00} loan was never paid off, and still remains on the house. The house has been upside down since the initial refinancing of the house. Wells Fargo refuses to correct this error. 
Subordination : Wells Fargo has subordinated these two loans, putting the larger {$320000.00} ( Recorded XXXX ) one in first position, without paying off the smaller {$170000.00} Loan. ( recorded XXXX XXXX Thus the house was always upside down Duel Tracking : According to the California Homeowners Bill of Rights, they can not file a notice of sale until after the loan modification process is completed. The sale date has been set for XX/XX/XXXX. This sale date was set during the loan modification process as well as the resolution. 
Payoff larger loan : ( which was always in second position ) Wells Fargo has not satisfied my requests. I wish to stay in the home and modify payments.
RE : acct XXXX I spoke with XXXX On XX/XX/2017 and agreed to do a pay and delete on an outstanding debt. As of XX/XX/2017 I paid the agreement amount of {$130.00}. However, since that time the debt still appears on my tradeline with all XXXX credit bureaus. I have spoken with several agents and supervisor and recently spoke with a manager named XXXX who on several occsians, most recently XX/XX/XXXX and XX/XX/XXXX who indicated information was sent to have the tradeline removed and yet it still appears. I was also advised on several times by the same manger that he would have a delete letter sent and its has now been two weeks and still no letter. Several phone agents advised that the same letter would be emailed, and still no letter. However the manager advised the letter could only be sent via mail. I have received nothing but conflicting information, and now that my debt has been paid they are refusing to remove the information from my tradeline. These collection agencies collect on accounts but then they do not honor the agreement. The requested documents are never sent and when you call, you are either disconnected or told there is nothing they can do. In my recent conversation with XXXX he advised that they would not contact the credit agencies and that he could not control the mailing time. He also indicated they would not be re-sending a letter. This collection agency has used false practices so that I could pay the debt. Now the debt is paid and still remains on my account and is still affecting my score, although it has been paid. I was told my the initial phone agent, several agents in between and the manager that the debt would be marked as paid and DELETED BUT NOTHING HAS BEEN DONE. Please assist me in getting this matter resolved and accept my complaint against the misrepresentation of this collection agency.
This company is reporting an incorrect amount on my outstanding balance as well as false late payments. The tradeline has been updated with the date of XXXX delinquency changed and now will show on my credit reports negatively for 10 years. This is a violation of my rights.
XXXX has been non-compliant with removing the unverified account DISCOVERBANK which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that DISCOVERBANK was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
This mortgage company is the Absolute WORST company that I have ever dealth with!!! I have been going back & forth with them for 3 months regarding my Hazard Insurance on my account. I have had Hazard Ins on my account from Day one XXXX. I have supplied this information to OCWEN every year and it was NEVER an issue. OCWEN changed the requirement and I was NEVER informed. They stated that they sent a letter to me XX/XX/XXXX.I HAVE NEVER RECEIVED that until One week ago when it was emailed to me from the Executive team that I placed a complaint to. Please note that I spoke to a OCWEN representative XX/XX/XXXX and they advised that the letter was sent to another address ( NOT my address ) & they then changed my address in the account. I was Advised XX/XX/XXXX that I am now required to have Hazard Ins on " my indwelling '' of my property. I purchased the additional Ins XX/XX/XXXX when I was advised of the change and provided the Ins proof to OCWEN.This complaint is simply that OCWEN placed Hazard Ins for my Indwelling on my account and Escrowed it into my Mortgage XX/XX/XXXX and I was NOT advised or informed of this. I purchased the Ins when I was advised and WILL NOT pay for something XX/XX/XXXX When they did NOT inform me of it. XXXX managers from OCWEN advised that they were going to look into this matter and get the Placed Insurance credited and I have not had ANY resolution to this issue. I have Names & Dates of the XXXX times that I spoken to this customer to get this issue resolved and it is still Not resolved. PLEASE HELP!!!
I asked this company to send me original copies of the statements from when this account was opened. 

They have not provided sufficient proof. 

Student loans were included in bankruptcy.
I think that XXXX is unreasonable for a Saturday, considering that they were looking for a XXXX XXXX, someone who could not have had this number or address for at least 12 years. There should be some due diligence on who has had the phone number. There is on and has not been a XXXX XXXX or XXXX XXXX at this number, so why do I get calls about them 12 years after this number was assigned to me?
I have three unknown inquires on my credit report. They are from XX/XX/2018 one is XXXX XXXX XXXX XXXX, the other is XXXX XXXX the last one is openroad lending