WillisBack/dataset-financial-user-claim huggingface dataset:
I received a targeted offer for opening a Citi Priority checking account with a bonus of 50,000 XXXX XXXX miles after completing certain requirements. I met the requirements months ago but the miles have not posted to my account. According to their support team, my XXXX XXXX number was missing and that is the reason for the miles not posting. Over a month ago I contacted them with my XXXX   number and was told the miles would post in 7 days. That didn't happen so I contacted them again, and again I got the same response. I am tired of wasting my time with Citi representatives and would like the CFPB to step in.
On XX/XX/2018 I sent a letter to XXXX XXXX XXXX, XXXX about a debt that is not mines. I sent them a letter of validation regarding this account. I received a letter stating that they bought an electrical file from XXXX  XXXX. I asking them to provide me with an original contract with my signature and/or electrical signature and they have not provide an evidence that this debt is mines. It is affecting my credit score 's and I would like the debt to just be removed. This company has not and will not provide a contract with my signature because I never signed a contract with them and/or XXXX  XXXX.
Equifax has faudulent and incorrect address information " XXXX XXXX XXXX XXXX XXXX , GA XXXX '' showing as one of my former addresses. This was a part of an identity scam in which my postal mail was forwarded to that address. I want that address removed as I never lived there.
I completed  XXXX   XXXX   XXXX  in  XXXX , my Private and regular student loans we 're placed in deferment, I started making payments in  XXXX , then I had to file Bankruptcy in  XXXX , so my loans went back into deferment. I started  XXXX  University in  XXXX  for my  XXXX   XXXX , I graduated in  XXXX   XXXX .  Navient Student  Loans started contacting me  XXXX   XXXX  regarding payments for both student loans, I told them I was starting  XXXX   XXXX  on  XXXX   XXXX ,  XXXX  and needed my loans placed in a forbearance, I was promised that if I made payments on the interest of the loans, they would n't go into default until  XXXX   XXXX  started, then the College would submit status that I was in school and my loans would go into forbearance.I made the payments over the phone with my checking card, and I received a Bill via, E-mail stating my payment was due to to be auto withdrawal from my bank account. When I made good faith payments supposedly towards the principal of the loans, Navient put my account in automatic payment plan and attached my checking card, which I did n't give them authorization to do. Navient is fraudulent in their scope of practice, and I wa n't a investigation into this matter.    XXXX   XXXX
My car was broken into in XXXX, recently in XX/XX/XXXX after reviewing my credit report I noticed a car loan on my credit reports that is in default. That derogatory item does not belong to me so I have been trying to get it removed from my credit. I filed a police report, filed a complaint with the FTC and contacted the credit bureaus. All my efforts have been unsuccessful. The company the furnished the car loan has sent me several letters attempting to collect personal information from me that they should already have. I have been told not to provide personal information to third party agencies. In addition, the credit bureaus have assured me that they provided all the information that I sent them to the auto loan company, so I am confused as to why they are asking me for the same information.
TransUnion willfully and purposely leaves an illegal and erroneous collections account on my TransUnion credit file. XXXX XXXX collection in the amount of {$300.00} is still on my credit report. They also have illegally added this tradeline on my credit report. TransUnion has received my mailings confirming XXXX XXXX has not validated the debt nor has responded to me in over 60 days after repeated steps. 

All TransUnion does is " investigates it '' by allowing XXXX XXXX to update via e-oscar while verifying nothing and leaving this frivolous charge off on my credit report. 

TransUnion continues to cause financial harm by leaving this erroneous unverifiable charge off on my credit report.
All XXXX agencies are still reporting this entry that was once included in abankruptcy case in XX/XX/XXXX-XX/XX/XXXX. This account is beyond the time limitation. 
Furthermore it was sold to another creditor and now in and good standing. 
This account should be deleted because of this is the same account since XX/XX/XXXX. The XXXX XXXX XXXX. XXXX. I am now with another companytrying to pay my loan and they also have negative entry to the account. Ihave disputed this account with Experian, XXXX and XXXXover a year about this entry but they refuse to delete this account.
I opened a BB & T checking account on XX/XX/2018 under a promotion as outlined below : Within 75 days of account opening you will receive the {$150.00} incentive if 1 of the following is completed : - Enroll in and receive two direct deposits of {$100.00} or more OR - Use U by BB & T bill pay to initiate three online payments of {$25.00} or more I did 3 billpays ( each for {$26.00} ) on XX/XX/2018 which fulfilled this requirement. 

In the following 4 months I repeatedly contacted BB & T bank through secured messages online and was repeatedly sent canned responses that delays the opening bonus. 

Their response stated that " Your account will be reviewed between 75 and 120 days '' and " The {$150.00} incentive will be paid within four weeks of qualifiers being met. ". 

It has been 129 days since I met the requirement and they are not responding to my messages anymore.
I called the collection agency and was told that the medical bill was for someone other than myself, so I advised to remove this from my credit because its not be clearly.
On  XXXX   XXXX   TD  Bank charged me  XXXX  bounced check charges for transactions that were made fraudently to my checking totaling {$170.00}. TD was aware of the situation that my account was compromised and shut down my debit card.Yet they are charging me {$170.00} bounced check fees for charges that TD knows are fraud.Made a phone call to their customer service and told me they werent reversing bounce charges that i should be lucky that fraud charges got reimbursed.Very nasty and unpleasant conversation.
I purchased a credit report from TransUnion online for advertised price of {$1.00}, charged to my XXXX XXXX XXXX XXXX card. Upon receiving my XXXX bill this morning there was a charge from TransUnion, in addition to the {$1.00}, of {$19.00}. I called TransUnion, whose representative insisted I was liable for this additional charge because I did not " cancel '' within 7 days of ordering the credit report. ( While the representative did agree to cancel my " subscription '' for any future months and to send me a confirming e-mail, I have not yet received any confirming e-mail from Trans-Union and am concerned they will seek to impose this charge in future months. ) I saw nothing on the TransUnion website imposing this alleged additional monthly charge or any obligation on my part to " cancel '' within 7 days of the date [ XXXX XXXX, 2015 ] I ordered my {$1.00} credit report. Looking at TransUnion 's website as it exists today following my unsatisfactory call with TransUnion, I did see this proviso there in small print and not presented in a way that most people would notice. My perception is confirmed by the large number of similar complaints against TransUnion on the XXXX website and by my conversation with XXXX XXXX XXXX, who advised me they have received many complaints about this TransUnion practice from their credit card customers. 
The deceptive sales tactics of TransUnion are obviously designed to mislead consumers and to evade TransUnion 's legal obligation to provide an annual free credit report and/or limiting the amount of money they can charge to provide a credit report. I contacted TransUnion for my credit report on XXXX XXXX immediately after receiving a letter from XXXX XXXX that my personal information in their system had been stolen by hackers. TransUnion first refused to send me the free annual credit report, to which I am legally entitled, online, because they were not satisfied with the answers I gave online to palpably obscure and misleading questions supposedly designed to ensure I was actually the individual in question entitled to the report. However, TransUnion was willing to and did send me my credit report online when I went on their website an hour later and agreed to pay them {$1.00} for it per their deceptive offer. ( In the latter instance, unlike my initial application, I was not asked any obscure questions going back XXXX 30 years. )
Lender WLCC XXXX/DBA Arrowhead Advance is charging interest rates in excess of State of Hawaii lending regulations. WLCC XXXX is a company registered in California with XXXX XXXX listed as its CEO/CFO and the sole Director. Additionally WLCC XXXX has a mailing address for payments in Delaware where it is hiring loan processors. Additionally a XXXX search of XXXX XXXX shows his involvement with the XXXX that more then likely gets a tiny portion of the loan with a substantial amount of the loan going to WLCC XXXX. 

WLCC is not a licensed lender in Hawaii. WLCC XXXX is using its relationship with the XXXX XXXX XXXX to avoid state lending laws by taking advantage of the XXXX sovereignty. Considering that WLCC XXXX is a California registered company, and has loan processing and payment operations in Delaware it is not a true XXXX.
There are four ( 4 ) fraudulent inquires on my credit file from a company called Credco that occured on XX/XX/XXXX, XX/XX/XXXX. Remove the for ( 4 ) fraudulent inquires.
My XXXX boys received NetSpend XXXX debit cards for XXXX last year ( XXXX ). Each was loaded with {$50.00}. The cards were not activated until XXXX XXXX, at which time we notified NetSpend that we would NOT be reloading the cards and simply wanted to activate them as " one time use '' cards. A PIN was established for each card and we were charged an " activation fee '' of $ XXXX/card, reducing their value to {$44.00} each. 

Over the next few months, we attempted to use them at a wide variety of stores without a single successful use. We eventually just gave the boys cash instead. 

Today, we called NetSpend to see if we could finally get resolution. Instead, we discovered that NetSpend has been charging a monthly fee of {$5.00} since activation and the card values have been fully depleted. So for {$100.00} sent to NetSpend, we received {$0.00} value and 100 % frustration. We were never informed that there would be monthly fees deducted from the accounts and were unable to find a single business whose credit/debit system would accept these cards. 

This is the very definition of a scam. I assume that most people put $ 20-50 on the cards to use as gifts and recipients simply give up on use and throw them away, leaving NetSpend with all of the money. 

Contact information is www.netspend.com, phone XXXX. Cards are issued by XXXX XXXX XXXX, phone ( XXXX ) XXXX. XXXX is headquartered at XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. Their email is XXXXXXXXXXXX.
There is an account reported on my credit file with Synchrony/Walmart XXXX I believe to be over the statue of limitations. I can not get proper documentation from anyone showing a true payment history.
This complaint is submitted by counsel as attorney for the complainant at his request. Complainant is a XXXX-year old double leg amputee and XXXX veteran. 

On XX/XX/XXXX, complainant had his checking account with Synovus Bank in XXXX, XXXX On that day, he visited a Synovus Bank branch and informed it of numerous unauthorized debit card transactions in his account. He was told the bank would fix it, asked not to close his account, and to make a police report. Complainant did so, making a full report to a police officer at the branch the next day. Complainant was not told of anything else he needed to do and believed the matter would be resolved by Synovus. Complainant visited the branch two more times to check on the matter. Each time he was told the bank would be telephoning him. It never did. 

Still having no word from Synovus, in early XX/XX/XXXX, complainant again visited the branch. He was told he had never disputed the unauthorized transactions, that he had to fill out the written form and that he could not recover anything for charges older than sixty days from that date. Synovus therefore denied complainant recovery for the month of XX/XX/XXXX, the month which had the highest amount of unauthorized charges. 

Synovus subsequently recredited {$2200.00} to complainant, but complainant has still lost over {$23000.00}, which Synovus refuses to recredit.

Additionally, complainant by letter to Synovus on XX/XX/XXXX and XX/XX/XXXX requested it to provide him with information and clarification pursuant to 12 CFR 205 et. seq. on : ( 1 ) All EFTs in issue from XX/XX/XXXX to the present for which Synovus failed to recredit complainants account ; and ( 2 ) All EFTs in the same period the investigation of which Synovus closed for alleged lack of information. Synovus has made no response to these requests.

Synovus conduct above violates Regulation E.
[ AFNI, INC SCAM ] AFNI, INC XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX XXXX This account was opened in XXXX Michigan XXXX at XXXX XXXX XXXX. This account was paid IN FULL on XX/XX/2014 and XXXX was paid Directly to XXXX desk agent at the XXXX store in XXXX XXXX Michigan. I have my credit card monthly statement to prove it. This debt was a past bill that was unpaid but had to be paid in order for me to start a new service at my new address at XXXX XXXX XXXX XXXX, XXXX XXXX, Michigan. The debt collection companies " buy already paid debts '' and past it around from collection company to collection company to attempt to rod people of money. Both XXXX and XXXX have investigated and removed this same item from their credit reports after I disputed them. So now the collection company is trying the last credit reporting agency XXXX to steal money from consumers. Not only that ; XXXX ending up sending me a check because they owed me money for over payments. XXXX XXXX
XXXX    XXXX  ,2015-  XXXX  -   I call Well Fargo Home Mortgage and they will try to removed this off my credit report because it 's past 7 years old. no change on my credit report.
EXPERIAN HAVE NOT VERIFIED NONE OF THE QUESTION I ASK NOR DID THEY ANSWER ANY OF MY CERTIFIED MAIL. I SENT OUT ON DATES XXXX/XXXX/XXXX NOR XX/XX/XXXX AND XXXX AND XXXX XX/XX/XXXX AND XXXX SO I GUESS EXPERIAN REFUSED AND TOLD ME IN A LETTER THAT I WILL GIVE U STATED WHEN HAVEN T DONE NO INVESTIGATION AT ALL. REASON NO ID AND NO SS CARD WAS SENT IN. I HAD TO LAUGH AT THAT I CAN RECALL EVER TIME I SEND MY LETTER IN WITH FULL COLOR ID AND SOCIAL SECURITY CARD. HERE ARE MANY LETTER THAT EXPERIAN TOLD ME IN A LETTER WHAT I SENT AND ALL MY STUFF IS DATE. 

EXPERIAN DO ALOT OF FAKE VERIFICATION PROCESS THEY NEVER PICK UP A TELEPHONE AND CALL NOBODY AND ASK THE PROPER QUESTION AT ALL. THIS IS AMAZING. 

THIS ONE ACCOUNT NAME XXXX XXXX XXXX  # XXXX SHOW AT LIST OF INACCURATE INFORMATIOM 1. DATE OPEN SAY ON EXPERIAN XXXX XXXX THATS WRONG XXXX  SHOWS DELETED XX/XX/XXXX AND EQUIFAX SHOW DELETED XX/XX/XXXX 2. EXPERIAN HIGH BALANCE SHOW {$2100.00} XXXX HIGH BALANCE SHOW DELETED AND XXXX HIGH BALANCE SHOW DELETED 3. EXPERIAN CREDIT LIMIT SHOW {$300.00} WHEN XXXX SHOW DELETED AND XXXX  SHOW DELETED .. 


I DON ; T KNOW HOW IS THIS COMPANY PUT FAKE AND UNVERIFIED ACCOUNT ON MY CREDIT REPORT EXPERIAN NEEDS TO BE FINE {$250000.00} TODAY FOR MAKE UP A ACCOUNT FOR CUSTOMERS AND SELLING MY INFORMATION TO A THIRD PARTY SITE .. BECAUSE OF EXPERIAN DATA BREACH
My account was closed with XXXX XXXX, one XXXX XXXX and one XXXX. I did n't have a balance on either. When I called XXXX XXXX, because it was first, I was told because I do n't use my card. The representative explained to me 92,000 cards were closed for the same reason. WOW! XXXX, had the same response. The letter stated serious delinquency, however upon review of my credit report nothing has been paid late. I am being punished for choosing not to carry a balance, for being wise about my spending habits, for having an open line of credit, and not giving the bank money in interest.
I reviewed my XXXX credit file In XXXX XXXX and discovered that there were XXXX collection notices from Credit Service Company in XXXX, XXXX on behalf of XXXX XXXX XXXX at XXXX XXXX XXXX Hospital in XXXX, XXXX. I asked XXXX to investigate and they quickly verified that the bills belonged to me because the collection agency had a lot of my personal information. I had been hospitalized in XXXX XXXX at XXXX XXXX XXXX Hospital for at least a week. Medicare and XXXX XXXX XXXX XXXX XXXX paid the hospital bill in full and I assumed the associated bills from XXXX XXXX XXXX XXXX which is a separate billing entity were also paid in full. They usually have been paid in full. No one contacted me about unpaid balances From XXXX XXXX until now I have never received a telephone call nor correspondence from XXXX XXXX Hospital, XXXX, nor XXXX XXXX XXXX. Only XXXX XXXX XXXX XXXX uses XXXX XXXX XXXX as bill collector. I can not verify that the amounts ( approximately {$210.00} ) are vaild. There is specific no description of the services provided. The bills paid by XXXX and Medicare amounted to over {$5000.00}. I ca n't even find an accurate telephone number nor address for XXXX XXXX XXXX Services. I will not pay the collection bills until the amounts are described and verified. I have lived continually at my address in XXXX, XXXX and retained the same telephone number for approximately 29 years.
I am filing a complaint with Equifax for refusing to comply with the FCRA 605b. I followed FTC 's process and got police report, turned in 2 forms of ID and a letter requesting that I have accounts that were tied to ID theft. I waited 3 hours to speak with a supervisor and was told that these my remaining accounts would not be removed. In accordance with FCRA 605B these items are supposed to be suppressed ( removed ) from my credit report as long as I have submitted required info with 4 days. The supervisor, who would not give his name, told me " anyone can get a report and claim id theft, we are not blocking your info ''. I asked him about being notified within 5 days that they are/are not blocking the info by letter, I was also told, they will not disclose any info pertaining to my account or as to their company policies.

I am demanding to have these fraudulent items BLOCKED FROM REPORTING, I followed procedures and am being denied my rights according to the law ( FCRA 605b ). Equifax, is preventing consumers like myself from remedying the disaster that ID theft has caused us financially and credit wise. If this is not settled, I will be pursuing litigation to recoup the damages they have continually cause to my credit health and reputation. This is ILLEGAL and should not be accepted.
I was going to buy a car and I pulled up my XXXX XXXX, XXXX XXXX, XXXX and Equifax credit report found XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX Fraud Student Loans that were not open by me nor did I give anyone permission to use my name to take out a loan. I found addresses that do not belong to me as well on my credit reports. 
XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX   XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX , XXXX, OH XXXX
I revoked my ACH option for the loan. The loan was forwarded to a third party collections company who made an attempt to represent a check to my back it was returned. I contacted the company on XX/XX/XXXX to let them know that they do not have permissions to present any checks to my bank. On, XX/XX/XXXX another check was presented and then I contacted the company they were hostile and were not appearing to offer a solution.
Direct Express Bank in XXXX XXXX, TX, call me and said there was Fraud against my account in XX/XX/2016. I will send you information to return back to us and open your claim. I sent the information in and I called them two weeks later. They said they never received it. I called two more weeks. Direct Express said the claim was closed due to you not sending in the information. I told them I did, so they told me to write a letter with the information and they will open the claim. I did what they said and I call them a week later and they did not receive it. I call again, they did not receive it. Direct Express told me to write another letter. I verified their address ( XXXX. XXXX XXXX XXXX XXXX, TX XXXX ). I sent the letter again, however, like always, they never received it. Next, they told me to fax it in to ( XXXX on XXXX XXXX, 2016 ). I tried to fax it but received busy all day, until 6 hours later. The Fax went through with confirmation. I called a week later, they said they never receive my fax. XXXX XXXX, 2016, and ask to speak to a Supervisor and the Supervisor said, she never receive the fax or letter. She said I need to send it to ( XXXX. XXXX XXXX XXXX XXXX, TX XXXX ). I explain to her that this is frustrating and she said I 'm about to release the call. I told her do n't hang up the phone and she did. My wife witness the entire message because I had it on speaker phone. The currently owe me over {$420.00}. The person doing the fraud was taking out a little bit at a time. I requested additional Bank Statement from them and never receive it. I believe more money was taken from my account. I believe employees inside of Direct Express in ripping off consumers because this third party bank was design for people to receive their social security money and XXXX veterans. I do believe someone on the inside is ripping consumers off.
Income tax lien filed in XXXX in the XXXX XXXX Court. I have lived in State of XXXX since XXXX, and this liens were filed in XXXX for income taxes owed for a XXXX taxpayer with similar name. If I am not living there in that period how can I owe income taxes in State where I am not living or working or having any investments. Finally, my social security if different from that taxpayer. 


Consent to publish the
A company named NPS has constantly called my resident reference to a collection for someone else, that we do not know or has had this phone number in the last 10 years. We have repeatedly asked to have our phone number removed from their data base without success. They just keep calling.
XXXX XXXX of XXXX, XXXX whom then became XXXX XXXX XXXX XXXX and Finally Sold out to Cars America located on XXXX XXXX XXXX XXXX XXXX, TX XXXX. 

Cars America Repossessed my XXXX XXXX XXXX on XX/XX/XXXX claiming that I was not supposed to leave the State with the car. I moved from XXXX to XXXX due to a Job Opportunity. XXXX XXXX was my only means of transportation. I was never told nor informed that taking the vehicle out of the state of XXXX was not allowed. 

Back in XX/XX/XXXX when I electronically signed the Contract, the Sales Manager at XXXX XXXX XXXX XXXX never disclosed the " no leaving state clause '' she was only INTERESTED IN THE {$3000.00} DOWN PAYMENT I had with me. 

I did not electronically signed anything specifically in regards to and/or acknowledging the " not leaving the state of XXXX '' clause. 

Also, they sold me a vehicle with FRAME DAMAGES ... ... in XX/XX/XXXX, my car was hit while unoccupied " hit & run '' and upon removal of the Right Front Fender it was discovered that the vehicle has FRAME DAMAGE when I informed XXXX XXXX XXXX XXXX they said that I should have check the vehicle before signing the contract.. how am I supposed to check the FRAME? They should 've never put this car for sale with FRAME DAMAGES as it is not allowed.