WillisBack/dataset-financial-user-claim huggingface dataset:
One year after I was declined for a store credit card with XXXX Bank, this company did a SECOND " hard inquiry '' on my credit report -- now a year later -- and declined me for credit again. One of the reasons I was declined was due to the number of inquiries on my credit. Now, two of the three inquiries on the bureau are from THIS COMPANY. I do not recall giving authorization to do another hard inquiry when dealing with XXXX Bank and feel this practice is deceptive and without adequate information and consent.
Id like to file a formal complaint against CitiBanks Best Buy Credit card. 

This past month ( XX/XX/XXXX ) my husband and I applied for a equity line of credit from our bank. I was told my credit score was to low to be approved for a loan because of a closed Best Buy from Citibank credit card. 

I contacted Best Buy immediately to find out what this was about. They told me that in XX/XX/XXXX a charge for {$19.00} was made on the credit card and not paid, so the account was closed in XX/XX/XXXX and reported to the credit bureaus as delinquent. 

Here is the background on the BB credit card. 

My husband and I were purchasing a lot of items from BB in XXXX of XXXX. BB persuaded me to open a BB credit card account in XXXX of XXXX to take advantage of an offer ( a BB gift card for {$300.00} ). My Credit score at that time was around XXXX so I was approved immediately for the card. I was set up with daily promo Emails from best buy and electronic statements. 

I purchased several items on the BB card for over {$3000.00} and paid it off in full on the due date XX/XX/XXXX. 

Unbeknownst to me my husband purchased something in XX/XX/XXXX for {$19.00} on the credit card. 

The BB statements were coming via email along with daily BB promo emails. I thought they were all promo emails so never opened them. 

No one from Best Buy/Citibank reached me by phone nor did I ever get anything in the mail about this {$19.00} charge. 

After being denied the equity line of credit I called Best Buy and spoke with XXXX said she would contact Citibank on my behalf to resolve the situation. 

XXXX contacted CitiBank 's XXXX XXXX ( XXXX ) who told us it doesn't matter the circumstance or that the charge is {$5.00} or {$5000.00}. The {$19.00} was not paid and the account was closed. They will not allow me to pay the charge nor will they removed the delinquent status to the credit bureaus. 

XXXX of Citibank 's only communication with her was phone, fax or regular US mail, No email. Yet Citibank 's only contact with me about the Best Buy statement was via email which was lost among the hundreds of emails from BB. 

I have asked XXXX XXXX of CitiBank with out success to please allow me to pay the {$19.00} charge and for them to remove your negative reporting from the Credit Bureaus. 

I called one of the credit bureaus and they said the negative report from Citibank will remain on my Credit report for 7 Years. 

My combined credit available to me is $ 70,000+. We typically owe less than 10 % of that each month. I pay off ALL our credit cards in full every month and have done so since getting my first credit card at XXXX years old. 

Please note this complaint against Citibank, ask them to allow me to pay the {$19.00} charge and remove the negative report from my credit history. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
XXXX 1. Navigated to XXXX XXXX to obtain auto-refinance rates 2. Entered information to identify myself 3. Upon completion of profile, I was asked to provide the LAST 4 DIGITS of my SSN a. This is the misleading part - although it appears I may have authorized them to pull my credit from the last of the terms, I DID NOT KNOWINGLY AUTHORIZE THEM b. See attached screenshots 4. Called XXXX XXXX - they say I did authorize them to give out my FULL SSN ( not last 4 ) to 5 lenders and those lenders could pull my credit.

This is an incredibly misleading practice. Provide LAST 4 of SSN and they go out and provide my FULL SSN to 5 lenders ...
USAA randomly chooses to hold credit card payments for up to ten days. The is the second time I have had my payment held. This time, my high utilization affected my credit score even though I made the payment.

I have called and asked three different representatives who have given me three different answers. One told me I have to sign up for a bank account to get rid of the issue. One told me that they as a company were not able to control the algorithms that withhold payments. And the last one told me that the federal reserve was the reason why they would not credit my account with my payment.

It is part of the terms of agreement that they can hold payments for up to ten days. But now they are implementing this more frequently. That, and they will not give me a reason as to why. I have had the credit account for more than 6 years and used the same bank account to make payments on this card. It is only recently that they have started implementing this hold.

I do find it necessary to file this complaint because it is an abusive policy written in the fine print. If I knew they would do this I never would have begun doing business with USAA. I have no idea whether USAA will withhold my assets from me and for how long when I use my card, it causes all sorts of problems with automatic bill pay. For those who are less financially stable, putting a ten day hold on a payment could be very difficult.

Thank you
I called Capital One credit card to change my billing date. This is not the first time, I have attempted to have my Capital One credit cards due on the same date. The last time I was informed because I just made a payment ; I had to wait till next billing cycle. Today I called again, and the young lady was a little witch on the phone, she was argumentative and obnoxious on the telephone. She kept placing me on hold and saying " thank you for your patience, please continue to hold ''. She informed me because I moved { in XX/XX/XXXX ( It 's XX/XX/XXXX ) } I can not change my billing date, REASON - because I changed my mailing address. She said because I changed my zip code my payments would show late and my late payments would be reported to the credit bureaus. I am not late, never have been late, and a payment is not due. She was threatening, my pristine credit is important - I have never been late on these cards, that is not professional - who am I doing business with? After 23 minutes on hold I hung up. I am paying these XXXX credit cards off and WILL MOST LIKELY END MY RELATIONSHIP WITH Capital ONE and never be a customer again. Very annoyed.
Trademark Management ( XXXX ) contacted my mother and father and stated that they had an open investigation on myself and needed information regarding some legal matters. The messages sounded as if they were written by a law enforcement agency. My parents forwarded the information to me and I called to see what the issue was in reference to. The company told me that I had broken several laws by writing bad checks ( which I never did, the creditor only accepted XXXX ) and that I was being charged with attempting to defraud a financial institution, which they told me was a serious crime. These accusations are completely false, as I had never written a check to the original creditor nor had I any intent to defraud this online lender. I was simply waiting to be offered a settlement amount on what turned out to be a predatory loan. Trademark then told me that they were sending someone to my house with some papers. When I grew angry with the accusations, the supervisor began yelling into the phone that " Hey, we 're not the ones that do n't pay our debts!! '' and started laughing. I am currently in year 3 of my Chp XXXX bankruptcy and the company knew that. This was apparent because the angry woman knew my attorney 's name and phone number and began saying that it was illegal to not pay a debt that was incurred after filing bankruptcy. I immediately called and spoke with my attorney who assured me that this was a violation of the FDCA and that I should file a complaint. I settled with the company to prevent further harassment of this nature but am now wondering if I should have, knowing the seriousness of these actions.
On or aboutXX/XX/XXXX, I opened a CD account, with Valley National Bank. It has been a nightmare ever since it was open. On or around the month of XX/XX/XXXX, I lost my CD check, I ask for a replacement, it took two months for a replacement. The same day, I can in to do the paperwork, I ask to open a CD, I had over 500 , Ms XXXX states I did not have enough money to open one. Then another time I came to get the interest on my CD account the lady with the maroon hair that sat across from Ms.XXXX gave me a hard time. I threatened to call the XXXX office she processed the account even though they don't do anything. These incidents took place in the XXXX office on XXXX XXXX. I spoke to Ms. XXXX at the XXXX office no faster service. 

However, I decided to go to the XXXX XXXX office to get better service I had no problem with them until today, XX/XX/XXXX. I went there to get my interest, the so call XXXX, XXXX stated I should not be getting any interest the bank was just wavering the fee each month for me as a curtsey. I explained to her that was not true. She call the CD department and they told her I was getting the wrong code for the amount I was getting, I ask for the number, she stated they would not give my the number. Her professional behavior was horrible. I have one more month to go I can't wait I will be leaving this bank. Another incident I opened a {$500.00} Christmas club I only got XXXX for the year, but if not paid by time stated you are charged {$50.00}. I will never use this bank again and I will tell others about this matter. I feel since I am a minority this can take place.
On XXXX XXXX I checked my credit with XXXX, XXXX and XXXX and collection company placed a collection on Medical Billing in which my XXXX XXXX covers my health insurance. 

I am Retired, XXXX Lifetime and XXXX XXXX Honorable Military Veteran. 
I am on a fixed XXXX Retirement income and can not be paying debts that I don't owed. 
My Health insurance should pay the {$450.00} debt on Medical billing. 

I wasn't notified of any debt.
I attended XXXX school between the years of XXXX through XXXX. During this time, I took out XXXX {$30000.00} private student loans - XXXX in XXXX and XXXX in XXXX - for a total loan amount of {$60000.00}. Upon graduating in XXXX, these XXXX loans were acquired by American Education Services ( " AES " ). 
I have been repaying these loans since then and as of today ( XX/XX/2017 ) I have repaid {$27000.00} in principal and {$42000.00} in interest -- for total repayment to AES in the amount of {$69000.00}. However, due to AES abusive lending practices, my outstanding balance still reflects an outstanding balance of {$55000.00}. This is abusive and excessive. I am asking for AES to dismiss this loan in good faith given that this loan has been repaid in good faith and the outstanding balance is a direct result of unfair practices. I am also requesting that the Consumer Financial Protection Bureau review AES 's student loan lending practices. 
Thank you Please refer to the attached supporting documentation.
On XXXX XXXX, 2018 I sent a certified letter to the company Portfolio Recovery Associates regarding a debt that is reporting on my credit report. The letter stated them to validate NOT VERIFY a debt that they was attempting to collect from me. I specifically asked for a signed agreement and other documents validating this debt. They sent a letter that clearly does not validate this debt by which does not prove that I am not obligated to pay them anything. They have reported delinquent information to the credit bureaus that i am asking to be deleted. I have no known relations with this company. Also the letter they sent me contains the last four digits of a social security number that is not mines.
Us bank credit card/ sky pass promised bonus miles when I applied. And I been calling them sinceXX/XX/2018. They told me they will update the miles and they told me they not going to update my bonus miles.
On XX/XX/XXXX, I closed my Paypal Mastercard because the interest rate was too high. On my XX/XX/XXXX statement, the APR was 27.74 % ( for " Transactions on or before XX/XX/XXXX '' ) and so I assumed, because I already closed my account, the APR would remain at 27.74 % ( for " Transactions on or before XX/XX/XXXX '' ). I was not concerned about my current APR from transactions after XX/XX/XXXX because I had a XXXX balance at this point. Upon reviewing my most recent statement from XX/XX/XXXX, I noticed my APR was 28.24 % ( for " Transactions on or before XX/XX/XXXX '' ). I never received a letter or any type of correspondence regarding my APR was to be increased. Therefore, on XX/XX/XXXX at XXXX, I called Paypal Mastercard at XXXX and spoke with XXXX . I asked her about why my interest rate was so high compared to my previous statements. She replied that my interest rate is 25.24 % and that she didn't see it as 28.24 %. Then, I told her I was talking about the interest rate for " Transactions on or before XX/XX/XXXX. '' She then responded the same way - that my interest rate is 25.24 % and she didn't see 28.24 % anywhere. I told her that needs to be fixed because I felt the company was trying to deceive me. 

I have attached statements from XX/XX/XXXX to XX/XX/XXXX with " Transactions on or before XX/XX/XXXX '' highlighted in orange. Below the above phrase is " Regular purchases '' which I also highlighted in orange. I also highlighted the corresponding " APR '', " Balance Subject to Interest Rate '', and " Interest Charge '' that I am concerned about. I attached XX/XX/XXXX and XX/XX/XXXX for comparison 's sake, but the XX/XX/XXXX to XX/XX/XXXX statements are primarily my concern. 

XX/XX/XXXX and XX/XX/XXXX statements ' APRs are 27.49 %. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX statements ' APRs are 27.74 %. I never received a letter stating my APR was to be increased. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX statements ' APRs are 27.99 %. I never received a letter stating my APR was to be increased. XX/XX/XXXX and XX/XX/XXXX statements ' APRs are 28.24 %. Again, I never received a letter stating my APR was to be increased. 

I do understand my APR is a " variable rate '' but I had already closed my account. I also have other credit cards where the APR is a " variable rate '' but they don't fluctuate.
I have written the organization more than 4 times for assistance. I followed CFPB guidelines on how payments should be  processed ( there is a sample letter from your organization instructions for payments be made on the highest loan first ). At first I was told it would take time to process but after months I called to file a complaint. I then was told it had been corrected. My most re cent payment was still processed incorrectly
We gave the landlord the required notice to break the lease early and also forfeited our security deposit, but an outrageous debt amount of {$8100.00} was posted on our credit report for collections without us ever being contacted about it.
XX/XX/XXXX i see in my credit score XXXX report me deliquent account, i di n't get email or something about that i 'm still owe {$300.00} pbecause termination but its okay so they give to ic system debt collection, i got letter from ic systemXX/XX/XXXX, and i pay right awayXX/XX/XXXXand ic system sent me letter i did n't owe anything else, but in my credit score i still owe them {$300.00}, they did n't report or what?? they take my money from debot cardXX/XX/XXXX,  can somebody help me thx because my credit score keep going down
for the last 3 months, Portfolio Recovery has been calling my place of work harassing me and not willing to remove my work number, my employer has found out and is taking action against me for having non-work related phone calls at work. Personal phone calls are not allowed. I never gave the collector or anyone my work number
I see a collect debt on my credit report from XXXX XXXX XXXX, from original 01 XXXX XXXX XXXX. 

I reached out to the collection agency, but the issue has not been resolved.
There are several personal information that are very old on all three credit report agencies that I have written letters to to have these information removed and/or updated to which responses have been sent back to me indicating that these information were removed. The following year once I've requested a new report I then see that the same old information reappears on the report. Particularly TransUnion has several times failed to verify my identity while I made attempts to apply for credit due to their systems still containing old information that I could not confirm/verify during phone calls. 

Any help in having this issue rectified would be greatly appreciated. 
Thank you XXXX XXXX
Experian is reporting two addresses that belong to me.      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  TX  XXXX  and  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  CA  XXXX
I've challenged the following accounts on many occasions, however the main 3 credit bureaus, XXXX, XXXX, and Transunion all responded by stating accounts verified. Well then the only thing I can request at this time before going to the FCTA, is the Method Of Verification should in order to close my initial dispute .Who did your company speak with, and what was the method of communication, was it phone, fax, email, text, fax, etc. And what was the date, time, and documentation that made you come to your conclusion. The accounts are, XXXX  XXXX XXXX, one for {$350.00}, and the other for {$130.00}. Nor do I have an contract with this company..please send me the Method Of Verification inwhich your decision was made.
My Paypal account was restricted for no good reason with funds in it and Paypal won't even let me log back in. I called Paypal on XX/XX/2018 to see if I could at least withdraw my funds to my bank account but paypal unlawfully decline for me to manually withdraw my funds I left already my bank account information into my paypal account but paypal blocked my login access to my paypal account ( see picture attached ) and blocked my bill of rights of withdrawing my funds to my bank account after I waited patiencely 180 days paypal hold policy ( see screenshot attached ) or read these paypal message here : " Hello XXXX XXXX, Your PayPal funds are now eligible for withdrawal. 
You may transfer the funds directly to your bank account via online bank transfer '' ( End of quotation ) PS : I want to login back to my paypal account to do by myself my withdrawing by LAW
I do NOT have a signed contract nor any contract with Capital One. I have never done business with this company. They failed to provide me with a signed contract that validates them to collect this debt. I am not liable for these collections. I should not be responsible for a debt that I did not do. I am a victim of identity theft and I had to submit a police report and FTC affidavits the credit bureau for proof that my identity was stolen and these companies are still is saying that I owe them. My next steps will be to get an attorney and sue because they are calling me after a do not call letter had been sent. They are destroying my credit with this false accusation of this account. I sent them a letter requesting proof any contracts, signatures, a copy of my id anything that shows I opened these accounts and all they sent me was a bill which only shows me that someone went shopping.
I have disputed this debt with all the credit bureaus as well as multiple direct disputes to the collection agency via certified mail. They have never responded to my dispute and they have allegedly verified this debt as reporting 100 % accurate to the credit bureaus. I have disputed the balance multiple times with the bureaus and they verified it. I do not agree. I have asked them for the original contract to see if they are legally allowed to add the absorbent collection fees they have added. And they never responded to my dispute with in 30 days as required by law. In the past they have called and harassed my family members to try to get a hold of me. I am fed up with this company. This is my last step before i turn this over to my consumer protection attorney to file suit against them.
To obtain financing on my purchase, Synchrony Bank asked me to jump through several hoops. I have excellent credit, have lived in my home for more than six months, and was born in the US. I also have a Synchrony savings account. 

On XX/XX/XXXX, I submitted my application. On XX/XX/XXXX, Synchrony instructed me to submit a notarized affidavit of identity. They offered me a {$25.00} credit because of the inconvenience. I faxed it to them on XX/XX/XXXX. They were supposed to make a decision within a week. 

On XX/XX/XXXX, Synchrony Bank rejected my application because they could not authenticate my identity, even though I'm already their customer. Why? 

Will this rejection affect my credit report? The Synchrony staff didn't know. Can you prevent this error from hurting my credit report?
From the period XX/XX/XXXX through XX/XX/XXXX three requests for payoff information for this mortgage have made. Requests have been made by both the borrower and refinancing lender. In each occasion XXXX XXXX/Banco Popular has claimed it will take 7-10 business days to produce the information and it will only be provided by mail. After the first request they claimed that no previous requests were made and no information has been received. This is preventing me from refinancing and costing thousands of dollars as a result of their refusal to provide basic information.
I have submitted several disputes to Experian. Attached is the last letter that they sent to me. It lacks sufficient information to identify which dispute they are referring to. They did not identify the account I had disputed. They did not reference the date of my letter. They did not reference the report number that I had disputed. How am I to know what they are referring to? Experian is doing a very poor job of communicating. It appears that they do n't take disputes seriously and/or they do n't care about reporting only accurate information as required by the Fair Credit Reporting Act. This is very frustrating to someone who is trying to get inaccurate information corrected on their credit report. The CFPB should address such problems with Experian and get them to comply with the law.