WillisBack/dataset-financial-user-claim huggingface dataset:
I applied for the XXXX  XXXX XXXX and was told I would get XXXX miles and a free companion ticket. I did not receive these. When I followed up everyone kept telling me to wait. I followed up again as was told I would not receive this at all. I was still charged the {$50.00} account fee even though I did not receive any of the benefits. I cancelled the card and asked for a refund, or even a prorated refund, of the account fee and it was refused. I don't see why I should pay for an account fee when ( 1 ) I don't receive the advertised benefits and ( 2 ) I don't keep the card for the full length of time. I should get a full refund for the account fee, but at a minimum I should receive a prorated refund since I am not keeping the account for the full year. Additionally, you should look into the shady and misleading practices of Bank of America. When I apply for a particular card and am approved, I should not get moved to some other program without my permission and it certainly should not be a bait and switch, misleading situation.
I 've been battling for about a year now to get some accounts that were taken out in my name resolved. I 've sent this company 2 series of documents and what they 've required for my case. Still, am having issues with a creditor collection company on my report. XXXX. The other XXXX collections came off but this did n't. I 'm wondering if XXXX XXXX XXXX or XXXX pays this bureau under the table or just pays more than what is required but it makes me concerned. XXXX have received also 2 documents and I 've gotten XXXX response from them either. This bureau did respond just with notices of an alert. Also, there 's this judgment for {$910.00}? contested that bc I 'm never been evicted or sued or anything. 

I guess money makes the world go round but still I need help getting this resolved. Let me know if you need anything further but I 'll keep sending certified mail. 

thanks, XXXX
The XXXX XXXX XXXX XXXX XXXX is also reporting XXXX old student loan accounts as payment after charge off/collection. Most of those loans, if not all, are in excess of XXXX XXXX XXXX. At no time, have I ever had any written correspondence from XXXX XXXX XXXX XXXX XXXX
I went online to request my credit report due to adverse action. I went through the verifying screens and arrived at the place where I could access my report. A message on the screen indicated that I was not able to obtain it.
Equifax is reporting incorrect data that has been disputed and not properly verified. They are also reporting an address that does not belong to me and I was told that it would be removed but it has not been removed nor has it been verified. 

The account is listed as XXXX XXXX  XXXX account number XXXX. After sending letters to the XXXX XXXX XXXX and XXXX XXXX  and XXXX have deleted this account from my record. The XXXX XXXX  XXXX nor Equifax have provided me me documents such as business records, an account audit, application or the original instrument of indebtedness. 

I have sent 3 certified letters and responded to a letter sent to me and called on XX/XX/2018.  It was confirmed that my letter was received on XX/XX/2018. I have not heard back from them and it has been 30 days so this needs to be removed from my credit report. I did receive a letter from XXXX that was addressed to someone else. I have sent that letter back to XXXX. I have taken a picture and will attach it to this message.
On today, I was informed that XXXX XXXX XXXX repeatedly called a phone number at my job for the past two weeks attempting to reach me via the company unauthorized telephone. This number is not my direct line nor was this number provided to the company to call. The number is assigned to another employee in the office and not my contact information. I gave XXXX XXXX my cellphone number my home address, and e-mail information if the business needed to reach me. I spoke with the company several times to keep abreast of my debt with the company. Although, I communicated with XXXX XXXX, I continued receiving automated calls up to 10 times a day normally during work hours. In the end, the employees of the bank devised a plan to continuously call an unauthorized number using an automatic recording during my business hours. The recording was heard repeatedly by my co-worker everyday, several times a day for two weeks. This is not their debt. However, they were subjected to daily harassment. Also, my private information and debt to the company was exposed. I spoke several times with an agent today who informed me that it will take some time to remove that number from my account. Although, I never provided that number to the company. Now, my co worker will continue to receive the harassing phone calls until XXXX XXXX XXXX finds the time to remove the information.
I gave a 60 day notice for me to move out for XXXX 2015. I have lived in this apartment for over a year. There was MULTIPLE problems with the apartment. there was live mold in the a/c unit in the bathroom. The location was above the sink in the bathroom. I have pictures while I was living there and moved out as the rust and mold grew from the leaking a/c. The kitchen was infested with roaches. I gave back the keys. The report of the charges that are in collections is not clear. Very BLURY TO READ. I requested a copy 3 times and only received XXXX copy that is blurry. I called there collections agency and it is fraud. One XXXX man answers the phone and does not explain charges only ask to money. I called XX/XX/XXXX 3 times the same person. ITs fraud.
i never had a loan for XXXX college and now all this time they keep saying i do but no proof of master promissory note or exit counseling for loans for XXXX college. They are giving false information and do not want to provide provide proof i signed for a loan because i did not sign for a loan at XXXX college at any point .because they told me i would receive a grant for being homeless and disowned from family because of cultural reasons. now ten years later the Navient loan department ignores me hangs up on me and keeps beating around the bush and keeps putting me on defferement to collect interest and wont remove or give me proof of anything. and wont give me proof of my loan papers because there is none
On Sat evening at about XXXX I called State Farm bank to cancel or report my card lost. I was driving. I provided full name, address, social security #. Phone numbers. Authorized users. I was unable to provide account number as card was lost. They asked for a security question that I did not know. I could not answer a text as I was driving. The company refused to accept my request to block the card. I advised I was not looking for reissue at that time ... wanted the card blocked. They refused -stated that they could not confirm my identity. I provided home phone number, approximate balance, approximate credit limit, last purchase, last payment ... state farm agent. 

the process promotes fraudulent use of a card when a consumer is providing due diligence in their efforts to protect the account.
Capital One is reporting late payments on an account I have with them. I 've requested they show me where I was late by providing with proper statements etc. They continue to pass the buck claiming its my responsibility to provide them with records. I 'm not the one reporting the information. I would like the late payments being reported updated to a positive status & the negativity removed.
I have sent Experian XXXX certified letters asking them to verify that items being reported on my credit report be verified correctly under Section XXXX ( a ) ( XXXX ) ( A ) and Section XXXX ( a ) ( XXXX ) ( A ). They have also failed to provide the method of verification as required under XXXX XXXX XXXX a ) ( XXXX ). 
They continue to respond that the items listed have been verified yet ignore my requests to provide copies of original documents with my signature on them.
I received a letter in the mail RE : What Does FCC FINANCE , LLC DO WITH YOUR PERSONAL INFORMATION. I called to let the company know that I do not want any of my personal information shared for any reason. I then asked the rep why did I receive the notice and asked did I have an account with them. Agent told me that the company has an open account in my name with a balance that should not be open. She advised me to send an email to request closing of the account.
Porfolio Recovery Associates is in accurately reporting two accounts on my credit profiles that the have not verified belongs to me. I have sent multiple correspondence directly to Portfolio Recovery Associates, Credit Bureaus, and by XXXX XXXX asking that Portfolio Recovery Ass. verify that the are legally able to collect said debt. In each request I ask for Portfolio to verify the account belongs to me by sending identifiable information that shows that the debt is legally mine. Portfolio Recovery caused financial distress in my life and continues to defame my name. There unwillingness to provide we original documentation showing where the debt is legally mine violates FCRA laws and is causing harm to my consumer rating. Reps of there 's were rude on the phone, have contacted members of my family, and ruing my financial reputation. Because of their unverifiable, in accurate, and misleading reporting, my credit rating has severely being damaged
Transunion and XXXX I have been in contact with both credit reporting companies numerous time regarding the fact that my social security number is incorrect. I have sent in my Identification Card as well to correct this issue. It has not been corrected and in return, I have had trouble getting a loan at the bank. I have went to the Social Security Administration and obtained an official letter stating that my social security number was correct and sent that as well. My credit information remains incorrect and neither company has made steps to fix this issue.
My problem is with XXXX XXXX XXXX in North Carolina. Due to a glitch in thier upgrade to their software Credit Cards and Lines of Credit were appearing as " nothing due at this time ''. And i never received any calls or notices regarding my line of credit and credit card with them. 
After approximately 3 or 4 months i received a call from the Bank inquiring about no payments. I was told this is a glitch in their system and thet a monthly payment was due. I immediately paid the amount they requested over the phone. 
They immediately then reported this to the credit bureaus. i then was notified that they were closing my credit card account. I attempted for more than 6 months to attempt to close my bank account via fax, email and hiring an attorney. The account appears " disabled '' still today. I've been requesting this bank account to be closed for more than a year. 
They need to remove this from my credit report. Because of their " glitch '' in thier system my bill was reporting " nothing due at this time '' for more than 3 months.
I took a loan with XXXX XXXX company last year.. I sent them all payments on time to my knowledge.. A couple of months later I received a bill from Penny Mac loans XXXX I called XXXX confused.. They said they took over my loan.. So I started paying them, I had to figure out new contact info and such.. 6 months later, Penny Mac said I was late on a payment because when they bought my loan from XXXX, I had a late payment to them.. They paid for that in order to buy my debt from them, and now I owed them.. Took me about three months to come up with a double mortgage payment.. So I feel like I sent XXXX a check and was unaware that it should have gone to Penny Mac.. This is ruining my credit. Penny Mac wo n't correct it..
TransUnion are liars, XXXX gave me a letter that they sent TransUnion weeks ago and was told to delete this 30 day late payment, They need to be investigated and fined and exposed
XX/XX/2017 bank of America reported late payment on my account whichnot suppose to happen because inrollled in auto pay but after 2 months they told I am not inrolled because I have business checking account instant of personal checking I was not inform about this situation on time so please remove this late payment with credit report agency for the month of XX/XX/2017 XX/XX/2017
I have been a Barclay Credit Card holder since 2014. After reviewing my payment history I discovered that they were taking XXXX dollars a month for interest which only 10 percent of my payment was actually going towards paying down the balance. Their terms and agreement page is misleading and unclear.
According to Federal student aid ( department of US education ) and national student database, I have 17 total student loans which has been consolidated under 3 loans with XXXX XXXX borrowers to service my loans. I have confirm with FSA & XXXX XXXX that i have no other student loans, also verified by national student loan database. Company name Solomon & Solomon P.C. claims that they have been hire to collect my student loans behalf of NJ education department. They do not provide any documentation or provide any proof regarding this loans.Solomon & Solomon P.C. is charging daily interest on this accounts. They have report this on my and my parents personal credit under " NJ education dept '' in which balance goes up every month with default status. my families personal credit has been ruined because of this. Lenders look at this accounts as default with federal and therefore it disqualifies with any SBA loans or mortgage loans.
Accounts : XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX   XXXX {$850.00} XXXX XXXX XXXX XXXX XXXX {$770.00} XXXX XXXX XXXX XXXX  XXXX {$870.00} XXXX XXXX XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX {$44.00} XXXX XXXX XXXX XXXX XXXX XXXX {$42.00} XXXX XXXX XXXX XXXX IN XXXX {$44.00} XXXX XXXX XXXXXXXX XXXX XXXX  XXXX {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX XXXX XXXX  XXXX {$310.00} XXXX XXXX XXXX XXXX XXXX {$520.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX {$490.00} I believe this is a bank account I did not open!!!
My husband and I purchased a home in XXXX, we both signed VA loan with XXXX XXXX XXXX. Several years later my husband took out home equity line of credit for XXXX. I did not sign this loan it is in his name alone. I did however sign the lein to our property. In XXXX, my husband died due to XXXX XXXX Exposure in the XXXX XXXX. He left no assets and his estate was probated, leaving the home solely in my name. I contacted XXXX XXXX XXXX and the loan was behind due to medical expenses. XXXX XXXX XXXX did a loan modification for me on the orriginal loan. I am not sure I should have had to pay fees for that loan but I did. When I contacted Wells Fargo, they would not give me any information on the loan, would not eeven give me the terms because my name was not on the loan. They even locked me out of the online account services. I asked if I occuld assume the loan, and they said they could not dicuss the loan with me. They did say that I was not responsible to pay the loan as my name was not on it, but since I signed the lein if it wasnt paid they could forclose. So continued to pay through my bank 100 dollars every month ( the amount due monthly was XXXX ). I still had no idea what the terms of the loan were. A few months ago a statement made it through to my house. This is when I learned this was an intrest only loan with a balloon payment due in XXXX XXXX. I called Wells Fargo and at this point they now said I was elligiable to refinance. Why not three years ago? I dont know, I paid three more years of nothing. The original amount was XXXX I now owe XXXX. I cant get a strait answer out of Wells Fargo and now after fighting scrimping and saving to keep my family home for myself and XXXX children, I risk loosing it even though I have paid XXXX toward the loan over the life of the loan. The last three years without my knowledge that none of it was going toward the principle. Now they are trying to get me to go into a work out??? why I have never been late? They keep sending me hardship paperwork to fill out. My attorney says I am not liable for the loan and shouldnt have had to keep the terms for the last 3 1/2 years. So now a widow of a XXXX XXXX at risk of loosing the family home because of a financial institution taking advantage of consumers
I received correspondence from Central Credit Services LLC dated XXXX XXXX, 2015, XXXX XXXX XXXX about a debt to XXXX for {$110.00}. I had no idea that I owed this, as this was the very first thing I have received about this debt. In this paperwork it stated that if no payment was made that this would be reported to the credit bereau in 45 days. I made one payment on XXXX XXXX, 2015 for {$25.00} and was just about to make another payment when I received an alert from XXXX XXXX which alerted me to this being reported. This should have never been reported since I made a payment before the 45 day period had ended. I contacted this collection agency twice about getting this removed from my credit reports and both times I was denied. I paid the balance owed on XXXX XXXX, 2015 which was {$94.00}. My point here is I made a payment before the 45 day period ended and if you really want to get technical I paid the entire balance within the 45 day period. 45 days from XXXX XXXX is XXXX XXXX. I feel I am being treated unfairly and I would like this removed from my XXXX, XXXX & XXXX reports.
For the past few years I have tried contacted the credit bureaus to dispute several accounts on my credit report that belong to my twin brother. I was responded to with saying those accounts are mine. My equifax report has mine and his name on it. It should just say XXXX XXXX. I also have several collections, a car note, and a personal loan being reported on my equifax report that belongs to my twin brother and not me. I have not cosigned for anything for him as I can not get any line of credit because of the mix up of our credit.
I contacted XXXX XXXX XXXX for reporting late payments for an account during a period which they were not the loan servicer and for reporting late payments on discharged debt. XXXX issued a letter dated XXXX XXXX, XXXX which stated they have deleted all information regarding the loan. 

On XXXX XXXX, XXXX I obtained information from Experian, XXXX and XXXX that states my FICO score is negatively impacted by " your mortgage or non-mortgage installment loans ''. My wife, XXXX XXXX XXXX, and I have no installment debt and any mortgage debt was discharged. 

Additionally, Experian says my revolving debt has " heavy use ''. I have a {$3500.00} credit card that is paid to XXXX or low balance every month as I use it for business and am reimbursed by my employer every month. 

This type of information is negatively impacting XXXX XXXX score and my wife 's. The fact is I have a zero balance on on credit card and the other card ( XXXX ) is paid off monthly. The lower FICO score is impacting the mortgage loan quotes we are receiving for the purchase of a residence. 

XXXX states it has removed the XXXX information yet the attached was obtained on XXXX XXXX, XXXX from my XXXX account. 

My wife and I have nominal consumer credit ; our bank savings and checking balances are over XXXX our outstanding balances and we have a combined household income of over {$170000.00}. We had a Chapter XXXX - discharged in XXXX - and have paid all accounts as agreed. There is no reason our credit scores should be below XXXX by any credit reporting agency. The fact is the incorrect reporting by XXXX regarding mortgage payments remains a significant negative influence on our credit scores.
I have contacted primere auto credit on several occasions.. I purchased my vehicle in XX/XX/2018 and I had to get car repairs done in XX/XX/2018 that totaled an amount of over {$700.00}. When I asked if I could defer a payment I was first told to send in documentation to support my request. When I finally had my documents I was than told no I could not do a deferment and I did not need to send in any documents and in order to defer I would have to make a total of 10 payments. This was in XX/XX/2018. I have recently contacted them and requested the same thing and was told to send in paper work again. I declined and advised I was told something different in XX/XX/2018. I have tried speaking with a supervisor and the customer service reps I get the refuse to transfer me and say they are transferring me to a voicemail which I get hung up on. I am at the point I can no longer sit on the phone with rude unprofessional people trying to get correct answers to my questions regarding my loan.
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX XXXX that they later confirmed I was affected by per their " Potential Impact '' sit
e www.equifaxsecurity2017.com. They have put myself and millions of others at risk
of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services.
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior.
My mortgage was transferred by PHH Mortgage to a third party mortgage service company without formal notice to me my PHH Mortgage. Complaints and questions were met with a telephone tree of customer service reps with no answers. Further escalations resulted in form letters and evasive conduct by PHH Mortgage.
XXXX XXXX XXXX is attempting to collect a debt for XXXX originally from HSBC that is not mine. I challenge that I owe this debt and request proof that I actually incurred this debt, not simply proof that a collection agency owns it. Furthermore, for this debt to hypothetically be mine, it would have been first delinquent in XXXX 2008. This places the debt outside the 6 year statute to be collected on, and past the 7 year limit on being reportable to credit bureaus. Collecting or reporting in this debt is a violation of my consumer rights and the FCRA, as well as the FDCPA.
Experian will not release my credit report to me. States there was an " issue '' and to try again later. I continue to get this error over and over when trying to obtain my free annual report. The correct information was provided as it was the same information accepted by XXXX, etc. without an issue.
I have upwards of {$1000.00} stored on Coinbase in virtual and real currency. Due to an error on their system they said I am temporarily unable to buy currency I should contact their support. This means I can not access any of my funds stored on their exchange XXXX. Their support has not responded in over a month.
AmeriCollect continues to harass me about accounts that are a direct HIPPA violation. I have repeatedly disputed these accounts. AmeriCollect did not provide me a copy of my signature with the provider of services to release any of my medical information regarding alleged debt as well as cease any credit bureau reporting. This entry on my credit reports is a blatant HIPPA violation and a violation of my consumer rights. These entries must be deleted from my credit reports immediately. XX/XX/15 ( {$54.00} XXXX, XX/XX/15 ( {$160.00} ),