WillisBack/dataset-financial-user-claim huggingface dataset:
I have a US Bank secured credit card with a {$1000.00} credit limit. That is the amount of the deposit I made with US Bank to get the card. While I have had credit issues in the past because of the economic collapse I have recovered from those issues. I have not had a delinquent payment for over 5 years now. All the issues on my credit report are old. 
When I took out the secured card I understood that I could add money to my account at anytime thereby increasing my credit limit. 
Recently I decided to add funds to that account, I contacted US Bank and was told that I could not add funds to that account to increase the credit limit until the account had been open for 6 months. That in order to make that deposit I would have to send a cashiers check, along with information regarding my annual salary and my request would be subject to a them pulling a credit report ( causing an inquiry and affecting my credit score ). I was not informed that I could not increase the credit limit by making a deposit to my account for 6 months or that a deposit to my secured account causing an increase in my credit limit was subject to approval of my credit report and income. 
This is a secured account, there is no risk to US Bank, if I do n't pay the card they have the account to collect from. My increasing the deposit to the account does not increase their risk in any way. 
Makes no sense why I would need to wait 6 months or why I would need a new credit and income check
I entered into a HAMP mod with OCWEN in XX/XX/XXXX, the terms of that mod include debt forgiveness/cancellation in XXXX even steps after I perform without missed or late payments in XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. I received a XXXX this year stating that OCWEN has taken the full amount of debt forgiveness against the XX/XX/XXXX tax year. This is debt forgiveness that has not yet been realized as the dates have not been hit and I still have to perform. This is tax fraud ( it has been reported to the IRS ) and I have no doubt that OCWEN is treating all other similar HAMP mods the same way as they are desperate to have losses to package as " advance receivable trusts '' or similar debt instruments. 

OCWEN can not take the " loss '' in XX/XX/XXXX ( in violation of the HAMP mod terms ) without immediately granting me the debt cancellation rather than making me wait several years. OCWEN ca n't pick up their end of the stick without picking up my end also. 

I am harmed by the illegal acceleration of the debt forgiveness as I am obligated to show an additional $ XXXX in " income '' on my tax return. This is unconscionable. The schedule for debt forgiveness is on " page XXXX of XXXX '' in the agreement, paragraph XXXX ( C ) " the modification ''. This is I believe actually the XXXX page of the pdf file attached.
Wakefield & Associates has been attempting to collect a medical debt I do not owe for years and nothing I have done or sent them has gotten this line off of my credit report. The original creditor ( XXXX XXXX ) has even emailed them but they refuse to remove the line. My son was covered by XXXX  at the time of service and my state has laws that protect XXXX recipients from this sort of thing happening to people when billing errors happen. I now have provided not only the Letter of Coverage to all parties involved and I have also provided a statement from the original creditor to the collection agency as well as XXXX  which states the account was paid by XXXX in 2013 ( 5 years ago!!! ) and neither the Wakefield & Associates nor XXXX has take any action to remove this incorrect data from my credit report. XXXX  has even claimed after each of my disputes to have validated this debt despite me having proof otherwise. Both the collection agency and XXXX have been negligent in the handling of my disputes and as a result, my credit scores have been held down. Please investigate this!!!!
Called XXXX XXXX XXXX to close my account on XXXX/XXXX/XXXX. I was told this was completed. Credit bureaus were notified of the account closure. Today I received a statement in the mail that I had an open account which they purchased from XXXX XXXX XXXX with a brand new account number. I never opened a new account with Elan Financial Services and my old account with XXXX XXXX XXXX was closed before the accounts were transferred. Opening new accounts for customer 's without authorization is unacceptable and I would like this account to be corrected to reflect the accurate information immediately.
In response to the recent XXXX security breach of 143 million customer records, I tried to take some precautionary steps by filing a 90 fraud alert with Transunion. Unfortunately, this process did not go smoothly. 

-First, a minor note : I usually try to use passwords that are 20-30 characters long to ensure maximum password entropy. They wo n't allow that, but also wo n't tell you " what '' the maximum is. I eventually got down to 10 before it went through. This is laughable security for a company that is supposed to be handling sensitive financial data. 

-Second : After answering a bunch of verification questions, it somehow was n't able to verify who I am, and told me to call. 

I called Transunion, navigated their daunting phone tree, and finally got to the point where I could setup a fraud alert that way. Unfortunately, what came next is where my complaint begins. In order to take reasonable security measures for something that is essentially THEIR fault, due to their shoddy data security practices ( see my first note as an example ), They force you to listen to a sales pitch. It 's a sales pitch for their overpriced monitoring services, which I have no need for. Furthermore, when you decline, it keeps going! It goes " are you sure? '' -- and then proceeds to give you another 2 minute long sales pitch that 's even more long winded and aggressive. I almost hung up on them, but then I 'd have to start all over later on. 

This is, quite frankly, appalling. Let me summarize. 

1. Credit reporting agencies drop the ball on data security.
2. Try to take precautions to protect your data and financial security 3. Forced to listen to not one, but two sales pitches before you can actually continue, for overpriced services that you can get from any card company that you do business with, for free.
This preys on the financially uninformed and those who are panicking due to a huge data breach. I imagine a lot of individuals would blindly sign up for this and then get billed monthly for something they do n't really need. Finally, it 's just inappropriate given the circumstances. It completely sets the wrong tone. 

Finally, I called Transunion back a few minutes later and spoke with a supervisor to issue a complaint and verify the alert was actually in place. He did verify it, but then tried to start a similar sales pitch near the end of the call! Absolutely ridiculous.
Asked for verification of debt ( have been asking since 2016 ) nothing has been sent and company has called my job and gave false information to the Bureau XXXX, XXXX and XXXX.
My USAA # is XXXX. USAA wrongfully closed 3 of my credit cards. Two of which where part of a cash rewards program. One of the two USAA decided after a year in violation of regulation Z 's billing dispute timeline of 90 days to charge back fraudulent charges which they finalized in my favor previously. Granted the original billing dispute resolution still took a little more than the 90 days provided by law. <P/>Despite the failure to recognize and follow billing dispute timelines set forth by consumer protection laws, I was charged anyway. These charges should have earned the respective 1.5 % cash back on regular purchases and 2.5 % on gash and groceries. Which charge back fit under which category I am unable to correctly determine as USAA has refused to provide the requested documentation or identify the charge backs in any way. <P/>In addition there was a cash back balance due to my on both my XXXX and XXXX cards as part of the cash rewards program. The previous cash back balance as well as the cash back rewards which should have been earned on the charges returned to my card are unaccounted for. The last document I received from USAA stated a {$0.00} cash rewards balance. Yet I have not received the funds, nor any notice of where they are.
XXXX XXXX from Oracle Financial or Unified PS Group. She left me a message stating that they were trying to reach my sister, XXXX and that she was being investigated for Fraud and that the debt was tied to my social security number. When I called her back at XXXX she was very rude, and would not give me any information on the debt. She also would not give me an address of where her business was. I requested that she stop calling me and she proceeded to tell me that she could not do that. She said she was on a conference call and would call me back, I told her not to bother and then she hung up on me. She has called me 7 times since XXXX/XXXX/15. I have not given her any of my personal information but my sister has. When I googled XXXX XXXX and the phone number, it comes up as a scam. Please shut these people down! At minimum, have them stop calling me!
The CRA reporting agency continues to report this debt incorrectly. I do n't believe they are actually investigating this debt. 

I filed a CFPB compliant against XXXX who is showing as the creditor for XXXX XXXX XXXX. Per compliant number XXXX, XXXX advised they do not show any account in my name with them. Yet, this continues to report on my credit report. 

In addition, XXXX XXXX XXXX does have a surety bond, which is required under the Texas Finance Code ( Texas Surety bond information as required by Sec. 392.101. ). They have yet to produce that they are actually licensed and/or legally able to collect in the state of Texas. This is a violation of the Texas Finance Code and a violation of my right as a resident of the state of Texas. 

FCRA section 609 states, Credit Reporting Agencies ( Credit Bureaus ) must provide a copy of the verifiable original creditor documentation. Experian nor this company has ever provided proof of my original application. They provide insufficient documents which I did not request nor satisfies this request of the FCRA code. Page 7 ( 2 ) Verification ( B ) of the information in the consumer 's application for the credit or insurance, to determine that the consumer meets the specific criteria bearing on credit worthiness or insurability. No one has provided me a copy of the original application to report this debt or even validate it. Experian continues to state it has been verified. Yet, how can they verify something they themselves do not have in their file for me.
I tried to lease a vehicle at my local XXXX dealership. Upon running my credit, they submitted my information to at least 6 loan companies. I had specifically told them i wanted to try only with XXXX financing. Now i have multiple inquiries which has made it difficult for me to acquire new credit due to the high number of inquiries.
We have not been able to work with XXXX XXXX XXXX and now Green Tree Servicing and have not had a mortgage payment since 2006 when XXXX was refinancing. Green Tree Servicing has stonewalled all our attempts to get a gov't program and/or loan modification.
I have lost my income, and my First Citizens Business Credit Card is long overdue. On XX/XX/2018, First citizens Bank called my in-laws and left a message about my uncollected debt.

This is unacceptable. I have never lived with my inlaws or listed their number as a way of contacting me. They must have found this information with a XXXX search of my next of kin. I do not want my inlaws involved in my personal financial business. This is a serious breach of confidential information, and it is harassment. 

What can I do to stop these calls?
I became unemployed in XXXX, no fault of my own, and fell behind on my mortgage payments by 4 months. I was trying to work with Greentree ( Ditech ) to help me in anyway so I could get caught up. They offered me a trial payment period via telephone ... I never received an official letter of this conversation yet I sent my payment of {$500.00} in XXXX, XXXX, and XXXX XXXX. I could not reach my account representative so I made another payment for XXXX to be on the safe side. Finally a customer service rep said I think your next step in modification so I 'm sending you the application to complete. I sent all information back in but was denied modification. I 'm unsure why I was denied. I was only making {$9.00} an hour and my mortgage was more than XXXX % of my income. I have attempted modification 3 and 4 more times since and now I 'm told my mortgage is " not '' more than XXXX % of my income. In attempts to do whatever I can to save my home, I contacted XXXX to help me work with my lender. We completed a 3-way conversation XXXX XXXX. They basically stated there are no other programs I qualify for. I asked the question, " why did I go through a trail period of payments to just end up being denied time after time? '' The customer rep tells me that an offer was made to me by mail in XXXX XXXX. This was the first time ever hearing that an offer was made. I never received an offer. 
I then proceeded to contact XXXX XXXX, the investor for my loan. I filed a complaint against Greentree with a lady named XXXX. She has since contacted Greentree ( Ditech ) and advised them that an investigation be completed in this matter. I contacted Ditech first week in XXXX XXXX to follow up, customer service stated that all is noted but that 's all the notes she has. Meanwhile the foreclosure proceedings have accelerated and a sheriff sale is scheduled for XXXX XXXX XXXX. 
To add to the misery I have been put through during modification ( s ) include but not limited too.. ( 1 ) .fax numbers reading " no answer '' or " busy '' for days on end. Eventually calling to get a second and sometimes a XXXX working fax number. ( 2 ) My account representation changed sometimes every 30 days ... resulting in voice messages and documents never making it to anyone. ( 3 ) account reps being rude and laughing and snickering over the phone. I had many problems with one rep named XXXX. ( 4 ) modifications being canceled for unknown reasons and having to start over. 
I would also like to add ... the day before my court hearing, the mediation, with Greentree. I received by XXXX, a letter from XXXX XXXX XXXX stating that my XXXX % XXXX mortgage loan has been forgiven. ( {$12000.00} ). Now I know for a fact I can afford my XXXX mortgage payment, yet I keep getting denied. This also causing my mortgage to now be below the XXXX % of my gross monthly income.
Fast bucks made a draft check submitted to my bank account with out my ok they paid loan off {$480.00} i was not notified about this transaction my bank information was not to be used in any form of payment! i was only One month late i always paid on time with debit card or cash called fast buck employee said district manager would call me back and she never did!! So wrong! thank you! also filed complain with bank they are investigating also
On XXXX/XXXX/16 I spoke with a representative named XXXX at CITI and he declined my request for a report detailing my charge history and interest rate changes over time. He told me he would have to call me back to verify my account after I provided XXXX digits of my social security number. 

I feel strongly that this information is available only to the company, and as a consumer being charged 26.99 % interest I have a right to know my history.
AES slash p h e a and XXXX XXXX XXXX reporting that I was making payments to them and then I stop making payments for 10 months showing 30 late payments on three different loans that are duplicates from three other different Loan Servicing Company which are all paid off including the ones held by these people who say that I made 30 payments. The loans were in deferment during this time and there's no way that I wasn't making the payments because they were in deferment. I wasn't making any payments so therefore there couldn't have been any late payments before or after the loans have been paid in full. I've disputed the loans with XXXX  and XXXX and they're still showing up on three of the XXXX XXXX XXXX has 10 late payments on each loan totaling 30 late payments which is hurting my chance to rent an apartment and buy a car because of the late payments. I had a loan of XXXX one for XXXX and one for XXXX  and they've all been paid off satisfactorily through XXXX. I never made a late payment!
On XX/XX/XXXX two month ago i bought a car XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX phone # XXXX XXXX XXXX the car was advertise for XXXX i confirm the price over the phone before i go there. when i went the price was XXXX i deal with it because i need a car right away. That is false advertisement Then they say the car come with more service but they never discuss any price with me. they give me so much papers to sign very quick it was already XXXX XXXX because XXXX make me wait a very long time before they rush me to sign a bunch of papers. when i check the paper contract 2 days later i notice extras charges for key replacement XXXX maintenance just oil change only up to XXXX XXXX miles XXXX gap insurance security XXXX plus tax on all services XXXX plus the interest rate in the total amount i ask to cancel all those Services. This is the message Cancellation Confirmation from my Email that XXXX agree to refund me Your refund will total as follows : Maintenance {$1100.00} Gap {$1400.00} Key {$400.00} -- -- -- -- -- - {$2900.00} + {$95.00} ( tax ) -- -- -- -- -- - < $ XXXX ( total ) Your total interest over the loan was : {$5300.00} once the refund amount posts : {$4200.00} -- -- -- -- -- - < $ XXXX ( Obviously will vary if you pay off faster ) XXXX say the XXXX plus interest will be refund between 6 to 8 weeks .During the two month i receive many email advertisement to buy a new car I contact the loan financial two month later i was told they never receive my cancellation paper that i signed in the dealer 2 days ago on the XX/XX/XXXX i call all day everytime the assistant transfer the call to financial department no one pick up the phone or call back. I call XXXX main line many time He never pick up and he never call back. I left many message for general manager sale manager finance manger XXXX XXXX different manager none of them pick up the phone none of them returned the call. The assistant that pick up the phone told me many time they are too busy to talk to me. I don't go there because the last time I went to sign the paper they make me wait a long time and when XXXX finally come he was Rude and unprofessional They even charge me pre delivery charge XXXX i pick the car in the dealer and it's a used car that is my first time buying a car by myself as I told them. i research about that charge it s for new car from manufacture the dealer need to refund the total amount for the extra service XXXX plus the interest they add in my loan without discussing any price with me. Just has the agree to cancel the service and refund the price And for wasting so, much time they need to refund another {$300.00} Also refund the XXXX delivery charge And Stop doing false advertisement For their cars
I have made several attempts to register on line for autopy and each time get this response " A system error has occurred. Please try again later. '' Yet I am mysteriously able to make a manual payment using the same payment account information ( routing number and account number ). 
I recently was late as I thought my auto payment enrollment was successful and it apparently was not. I would like this investigated as an intentional means of forcing account holders to pay manually each month. Further the phone number on the login page is completely worthless and provides no meaningful assistance in answering even the most basic account questions.
On XXXX, I received an advertising email from Citi Bank offering me a new Credit Card in their XXXX XXXX AAdvantage program ( see attached Citi_Invitation_Email.PDF ). The biggest bonus is to earn XXXX XXXX XXXX Frequent Flyer mile if I spend {$3000.00} in the first three months of account opening. 

On XX/XX/XXXX I follow the instruction of the email and applied. The application was approved the same day ( see attached Citi_Approval_Email.PDF ). 

Three months went by, I spend more than {$3000.00} with the card and I have not received the XXXX bonus miles. I connected their customer support and filed a dispute. On XX/XX/XXXX they inform me the reason why I have not received the XXXX miles bonus is because Terms and condition state Acquisition Special Offers will not apply if customers have existing accounts in the same product approved or closed within last 24 months. ( see attached Citi_Account_Mail.jpg ). 

It is true that I had a similar card ( already cancelled prior to XXXX but within the last 24 months ). 

My dispute is as follow : 1. Why would Citi Bank send me an invitation to a program that I am not qualify? 
2. Why would Citi Bank approve my application if I am not qualified for the program? I post this question to Citi Bank ; their answer was that my credit qualifies for the card but not the bonus. 
3. Why would Citi Bank not inform me of this problem upon approval?
I took out a loan with XXXX Loans on XX/XX/18 for {$500.00}. I have since paid a total of {$560.00} ( {$81.00} every week ). After paying more than the amount of the loan I was informed that the payoff amount is {$500.00}, more than the cost if the loan I originally took out!
I sent a request for an investigation regarding an erroneously reported account by XXXX Support to Equifax. Equifax in turn sent these letters to XXXX XXXX, which invaded my privacy as XXXX XXXX has and had nothing to do with XXXX Support. Not only did they send my personal information regarding my credit but they also sent my social security number, date of birth and my address. This was the wrong thing for them to do and can be damaging to me and my credit. I do n't understand how they could be so careless with such personal information. I as well as other consumers trust them to maintain our privacy. I also sent Equifax proof that this account was paid in full so they could update it and they did not help me with this issue. I have good credit and my accounts are in good standing. I have no history of not paying my debts. This is a gross neglect of my rights and the Fair Credit Reporting Act on Equifax 's behalf.
I refinaced my home in 2016 with Ditech. I was promised a much lower payment. Which how I got that lower payment is an issue I found out at the end of this year. In 2016 I was paying {$640.00} a month in escrow. I even got an escrow refund of {$440.00} dollars because they made it seem like I overpaid. Did not really stop to think about it. The new mortgage they charged {$420.00} for escrow even though nothing changed in my taxes or homeowners that they were aware of. So come the end of this year I have a {$2400.00} escrow shortage. Which will bring my payment back up to where I was before the refinance. The only reason I can see for them charge so much less escrow when the bills were the same was to keep the promise of a lower payment for 1 year and now my payment goes up XXXX a month. XXXX for the escrow I should have been paying and XXXX more for the escrow that I am backed up. I feel that was a deceptive practice to try and convince me to go ahead with the refinance because my previous mortgage was discharged in bankruptcy.
The XXXX XXXX Account # XXXX needs to be removed from my Experian credit report. I have provided Experian with a letter from XXXX XXXX stating that my account has not been 30 days late. Please have this deleted on my report.
Citi is in engaging in bait and switch of bill statements. We are constantly having to request a paper bill when we have never as to paperless. In between billing statements they are sending paperless billing to our email. We have never asked for paperless. What happen is on the months they are bait and switching to paperless leading us to believe we are maintaining payment that are not 30 days delinquent. We have lost XXXX % of our income and have still continued to make payment.