WillisBack/dataset-financial-user-claim huggingface dataset:
REFERENCE CASE # XXXX Or. Case # XXXX I received the reply from Bank of America but they could do XXXX help me out to recall my money {$8600.00} since it was done by Fraud and Scammed by the recipient, XXXX XXXX XXXX XXXX, which eventually lead me to report this to the local enforcement and the FBI in town here in XXXX XXXX, and I was physically had an appointment to show the FBI the proofs and adviced me to have the bank assist me to contact the other Bank XXXX XXXX in XXXX to investigate the money laundering by the recipient Account # XXXX, XXXX. Bank ID, XXXX. The BANK OF AMERICA MUST ASK TO SOME PROOF FROM THE RECEPIENT BANK TO INVESTIGATE THE ACCOUNT HOLDER ACCOUNT ABOUT THE NATURE OF MONEY AND TELL THEM THAT THE SENDER WAS A VICTIM OF FRAUD AND I STRONGLY REQUEST TO RECALL MY MONEY {$8600.00}. 
I AM LOOKING FORWARD TO HEARING GOOD RESULTS TO THIS MATTER.
I signed up for a credit reporting service with TransUnion for a XXXX dollar charge. Later I learned they were charging me {$17.00} a month. I have stopped the charge but they will not refund {$35.00} charged to my credit card account. I did not know there was a recurring charge when I signed up. 

I am a college student and just starting to use a credit card. If TransUnion had disclosed the monthly charge, I would not have signed up. It is not worth it to me. I believe this is unfair and deceptive. 

Will you help get my money back and have TransUnion stop taking advantage of people? 

XXXX XXXX XXXXXXXXXXXX
I explain several times, with this company that I had a XXXX and to mail me the bill and I would pay on the bill the response was you pass that .and you do n't have any credit to put it on. Ive them to stop until I recover from my XXXX they continue
When I had first received notice in late XXXX from ProCollect, I had sent ProCollect and XXXX  XXXX XXXX proof that I had paid rent, proof that the carpet didn't need to be replaced, proof that the kitchen didn't need to be cleaned. They had also rented the unit out in XXXX, the same month they are trying to collect past due rent from me. In XXXX, XXXX responded back to my complaint, saying I still owe the debt.
I sent a notice of dispute to Experian about an incorrect " Date opened '' for my XXXX XXXX XXXX account reported by them on my credit report. They report a date of " XXXX XXXX ''. This is not correct. That is the date the account was sold to XXXX XXXX XXXX. by XXXX XXXX XXXX. This account was originally opened prior to XXXX with XXXX which sold the account to XXXX XXXX XXXX. I sent Experian indisputable written proof that the account was opened prior to XXXX. I sent them XXXX account statements, letters regarding the change of ownership of the account to XXXX XXXX XXXX, and the actual affidavit of sale of the account from XXXX XXXX XXXX to XXXX XXXX XXXX. They contacted XXXX XXXX XXXX who apparently is not aware that the account was originally opened with XXXX. Experian and XXXX XXXX XXXX are " re-aging '' my account much to my detriment. This is not legal under the terms of the Fair Credit Reporting Act. Only accurate information is allowed to be reported. Experian chose to ignore my written evidence regarding the age of the account and instead relied on the incomplete and/or inaccurate records of XXXX XXXX XXXX which apparently does not have the whole history of the account. Experian is also incorrectly reporting " XXXX XXXX XXXX '' as the original creditor when in fact the original creditor was XXXX. I keep meticulous records of my accounts and I know when the account was opened and with whom it was opened. 

Experian is continuing to report the incorrect " Date opened '' of XXXX XXXX and the incorrect original creditor of " XXXX XXXX XXXX ''. I have attached evidence proving my case.
I am a first time home buyer and was excited to find an amazing house. In the pre-approval process, I was informed of a tax lien on my Equifax credit report. In disbelief, I called the XXXX XXXX XXXX XXXX to confirm this lien. I was informed that no lien was found under my name. Further investigation showed the tax lien belonged to my father, who has a similar name. In pursuit of removing this lein from my report, as of XX/XX/2017, I filed a dispute with Equifax. On XX/XX/2017, Equifax " completed '' the dispute. The confirmation letter sent to me read : " We have reviewed the lien information. Case or ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX The results are : This item has been deleted from the credit file. ". After 30 days, the tax lien still shows up on my credit report under the public records section. I have contacted Equifax customer support many times in the past weeks expressing my concerns, they have been extremely stubborn and tell me that I will have to file another dispute and therefore wait another 30 days. At this point in my contract, I do not have another 30 days to dispute this information. The lien should have been properly taken off during the first dispute process.
I have a unverified account from The Affiliated Group. I had previously disputed this account. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I request that The Affiliated Group Cease and Desist all further communications.The Affiliated Group needs to delete this account from my credit report and stop all contact with me.Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also have the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST.
This company was found on my credit report and I did not receive any 30 day notice, any disclosure to my physical address. They do n't have a court order, verbal express consent or written consent with my authorized signature to report on my credit report.
Knowing that I live in a region with aggressively increasing home values I decided to reach out to my lender to have PMI removed. I can support the increase in value based off a current appraisal on behalf of my current mortgage provider. My taxes also increased by XXXX last year and close to that the previous year. It is not joke that I am seeing appreciation to my home. Plus, we have invested over $ XXXX in of updates and additions last year. I requested the removal from my lender and they sent a letter saying I met the initial requirements, but an appraisal needed to be completed. Knowing that PMI is not required below 80 % I knew anything below 80 % should be my target. In their letter they made no mention of LTV requirements, so it should be assume 80 % will be removal. When I called them it was explained that is completely up to the lender if PMI is removed. I find this to be a predatory practice. This was not outlined in the letter from CitiMortgage. How can i be expected to pay for an appraisal when I am not given the true requirements. 

This is not a fair practice, and reason again as to why mortgage lenders and investors create ambiguity and unfair lending practices. No regulation to this practice treats the end consumer like myself unfairly. 

I am just a tick below 80 %, how and why are they legally denying me?
I was approved for the Platinum Delta SkyMiles Credit Card from American Express on XX/XX/XXXX ( see attached Approval Letter ) under a welcome promotion of XXXX delta miles for {$4000.00} in spend in 4 months as well as a {$100.00} statement credit for a Delta purchase in the first 4 months. Despite meeting the spend on my XX/XX/XXXX statement by spending over {$4000.00} ( I spent {$4100.00} between XX/XX/XXXX and XX/XX/XXXX to be exact ), and spending {$100.00} on XXXX XXXX on XX/XX/XXXX ( see XX/XX/XXXX statement attached ) I have yet to receive my XXXX bonus miles or my {$100.00} statement credit. I have been in contact with American Express ( and opened up an investigation as well, investigation # XXXX ), and was told this was a problem affecting numerous customers and would be fixed by XX/XX/XXXX. This has not yet happened. 

The offer was public and available to all applicants and I have not yet had a Platinum Delta Skymiles Credit Card that would prevent me from receiving my bonus. There is no reason why American Express should be withholding my miles when it is a common problem and there is nothing to investigate other than if I met my minimum spend and spent money on delta in the first 4 months - both which have clearly occurred, as the documentation shows.
To whom it may concern : I had a XXXX XXXX auto loan that was charged off in XXXX for a balance of approximately $ XXXX. Sometime late XXXX I contacted XXXX XXXX to negotiate a settlement. A verbal agreement was reached, but no payment or document was signed. Personal circumstances would n't allow me to fulfill the agreement, I called and informed them. The rep. told me to call back if my situation improved. This XXXX I received notification from my XXXX credit tracker accounts that stated a charged off account from XXXX XXXX was reported to my credit reports, the balance was for over $ 18k. 

I called XXXX XXXX and received an automated response that no one could speak to me. 

I filed a complaint with CFPB, and informed them of my situation. 

I was contacted by XXXX XXXX, see reviewed my complaint and the supporting documents I submitted. She stated that XXXX XXXX 's records do n't show they 're reporting a charged off balance of $ XXXX, but for only $ XXXX. XXXX closed my complaint as it being resolved. Soon after I pulled my credit reports and they showed a balance of $ XXXX. I contacted XXXX, informed her of my finds, and provided a copy of my credit report. She told me she would review it. I updated my CFPB compliant that my case was not resolved and sent a copy of my credit report. 

A week after I provided XXXX with my new credit report, she contacted me and stated that the balance of $ XXXX is correct, because in XXXX XXXX, the credit reporting agencies made a change that requires creditors to include interest and fees of past charged off accounts. I asked XXXX to send me a letter that highlights what she stated to me. She agreed. I followed up with an email asking her to send me the letter. I 'm currently waiting on the letter. Also, I called CFPB and updated them on my case. I was asked to call the credit reporting agencies to see if what XXXX XXXX said was true. I was only able to speak to a rep. from XXXX, the rep said it was not true to his knowledge, they only report want the creditors ask to be reported. 

I 'm not sure how many others may be effected by this practice, if it is indeed improper reporting. 

Note : The case number for my previous CFPB compliant is : XXXX. The pass code to open the PDF file is XXXX.
I saw an advertisement for refinance a mortgage at 2.75 % and 2.82 % apr on XXXX. It had the number to call and when I called the number it said it was a XXXX number. The lady asked me what I needed and I told her about the ad and said that it was too good to be true. She said that it was a real rate from one of her partner companies and transferred me to XXXX XXXX  and the operator there said that it was not a real rate and tried to upsell me. I called XXXX XXXX  and told them that it is advertising false rates and the gentleman said he would pass it along. Even today thir XXXX and popup ads are advertising the same false rate.
I checked my credit score and found 5 hard inquiries (from XX/XX/XXXX to XX/XX/XXXX) from Credco (below) on my Credit Report.  I never authorized this company to check my credit.  I refinanced my two houses with XXXX which could account for the 1 hard inquiry on XX/XX/XXXX with XXXX. Inquiry detailsCredcoInquiry from XX/XX/XXXXXXXX CredcoInquiry from XX/XX/XXXXMisc.CredcoInquiry from XX/XX/XXXXMisc.Institution InformationCredcoXXXX XXXX, CAXXXX(XXXX) XXXX-XXXXCredcoInquiry from XX/XX/XXXXMisc.XXXXInquiry from XX/XX/XXXXReal Estate/Public Accommodations
They keep reporting and updating items that can not be verified, even when sent proof that they can not be verified
I opened a Capital One 360 Account with promotion code XXXX  going to web address https : //www.capitalone.com/bonus400/. This was to receive a {$400.00} bonus when opening a checking account. The terms were as stated : ( 1 ) must be the primary account holder and has to be your first 360 checking account ( 2 ) must accept the terms on a new 360 Checking Account by XXXX XXXX, 2017, and ( 3 ) receive 2 direct deposits of {$250.00} or more within 60 days of accepting terms and conditions for your new account. You will receive the {$400.00} credit to your checking account.
<P/>
I completed all of these steps and still have yet to receive the bonus. When contacting customer service by chat I was told that I was n't going to receive it. When I opened the account I put in the code and it accepted it and told me I would. This is fraud by Capital One.
I have a collection account on my credit report maintain under my Social Security number from a collection agency the Bureaus Inc stating I owe {$10000.00}. On XX/XX/XXXX I mailed them a certified letter formally requesting validation of the debt pursue to the Fair Debt Collection Practies Act. I requested validation that is competent evidence bearing my signature showing that I have or ever had some contractual obligation to pay them. I also stated that it is a violation of the Fair Debt Collection Practies Act if they can not verify the debt they must notify all XXXX credit bureau 's to remove/delete the entry. The United States Post Office had made two attempts to deliver a certified letter to Bureaus Inc address listed on my credit reports from XXXX XXXX XXXX XXXX, IL XXXX. The United States post office returned a letter to me XX/XX/XXXX.I notify all XXXX credit bureau 's listed above in this complaint the address provided for ( Bureaus Inc ) by their agenciesand the post office was unable to deliver my certified letter that 's violating my due process of an adverse action as I was seeking to get information of this debt filed under my Social Security number. I asked all XXXX credit bureau 's to validate the information with Bureaus Inc and provide me with copies of any documentation associated with this account bearing my signature and stated to them in the absence of any such documentation bearing my signature I formally request that the information immediately be deleted from their credit file maintain under my security number. I also mentioned in my letter in accordance with section of statute 611 you are required to remove this account from my credit report as it is undeniable proof of and in accuracy of a reporting on my credit history. The three major credit bureaus stated that the information is correct upon looking at my credit reports Bureaus Inc updated my XXXX credit report on XX/XX/XXXX XXXX was updated on XX/XX/XXXX and XXXX what 's updated on XX/XX/XXXX. As verified how could Bureaus Inc validate my Debt and yet at the same time refuse to except my certified letter asking for verification and validation of any evidence bearing my signature of this account. I believe that Bureaus Inc is acting in bad faith, and not have complied with the Federal Trades Commission 15 USC 41, et seq. Subchapter V Debt Collector Practices. I feel that they are liable for willful noncompliance as per FCRA 807 false and misleading representation [ 15 USC 1962e ] for their unwillingness to except my certified letter requesting validation of the debt.
I have chase premier checking account. When i am trying to withdraw money from it - I am having various issues : 1 ) If i am using quick pay using XXXX - it says email address already exists. Of course it exists as i did the transaction like that 2 weeks back. So what chase want - for every such transaction create a new email address?

2 ) When entering XXXX routing # and the a/c # - then it says that this a/c exists with another customer 's profile??? what???? what should i do? 

There is no way it allows me to take out my own money ... .called the toll free # ... first first line support and then the supervisor ... paethetic customer service who simply wants to verify me first with my Debit card 16 digit # and the PIN ... i offered them other ways to verify them but they were not moving ... so nothing can be done.
Experian credit bureau refuses to re-investigate items on my credit report that are inaccurate.
I had multiple removals on my credit report and then noticed that a few of them had been reinserted without notification within 5 days via mail that this had occured. I require that these reinserted unverified items be permanently removed as this is in violation of section 1681 of the FCRA. An online alert letting me know 2 weeks after reinsertion is NOT sufficient and this must have occurred via USPS mail. No notification via mail was received and these items must be removed. 
On XXXX XXXX XXXX I only had XXXX negatives remaining after the rest had been removed : Vertans admin ( XXXX ). 
On XXXX XXXX, there were now XXXX accounts : XXXX, XXXX ( XXXX ), XXXX On XXXX there were now XXXX accounts again : XXXX, XXXX, XXXX, XXXX ( XXXX ) This is an illegal practice and these items must all be removed.
TRANSUNION HAS REFUSED TO UPDATE MY CREDIT REPORT WITH XXXX AS REQUESTED TO REFLECT MY FULL CREDIT HISTORY. THEY HAVE COMPLIED WITH THE XXXX, BUT NOT MY AUTO LOAN WITH XXXX TRANSUNION ONLY REPORTING 4 YEARS OF CREDIT HISTORY WHEN MY CREDIT HISTORY BACK DATES TO 2002. PROVIDED PROOF AND STILL DECLINED TO ASSIST.
On XX/XX/12 my father received a phone call from an unknown number stating that I would need to contact them at XXXX in reference to a court appearance. I called the number, and was told that the client was taking me to court, but he could reach out to his client to see if they were willing to settle. He asked me several personal questions such as my employment, my tax bracket, the amount of my tax refund yesterday, and my dependent status. He then said that I could settle with his client. The client sent me an agreement via email. They told me I would need to fax them my debit account number to XXXX XXXX XXXX, then call XXXX XXXX XXXX immediately to ensure it was received. I asked them to mail me a validation of debt to my mailing address they refused saying they did on XXXX, which I have not received anything from this agency. I asked more questions to XXXX, asking for the location of her company, and the address she provided me with was for an assisted living complex.XXXX then told me that I needed to stop emailing her because she is and accountant and to call XXXX.XXXX. I let them know that I was at work and would not be able to call them, they said it didnt matter and only had to the end of business day to take care of it or they would be suing me. I did my research and contacted the original grantor, and received the proper agency the debt was sold to and it was NOT this agency.
Okay clear example how XXXX works.. 

I am paying off my Student Loan in its entirety.. 

But I did a test payment first in the amount of {$5600.00} it was scheduled to come out today. 

XXXX has NOT processed the payment and will wait days. Then charge me additional interest! 

Not this time.. They were to take the payment today. 

From this moment forward any and all interest accrued from them not taking the payment with be credited back to me. 

From this day forward XXXX.. You mess with my account, as I finally pay it off and I am coming after you for monetary compensation each and every day you sit on my payment. 

I suggest when you say you will take the payment you do. You are not owed a single XXXX more!! 

I can't stand you!!! 

I will say this now that once the account is paid in full.. You are never to contact me again!!! Ever!!!! 

If you pull any shady stuff in the future I will have you in court so fast your head will be spinning!!!!! 

I will be down your throat until this loan is paid in full to ensure everything is handled properly and today is just another example of your XXXX business practices ...
I got my husbands car impounded by police, car had 30 day hold on it. I went to XXXX for XXXX. When I got out in 3 days found out husband was XXXX. Next day my husband passed away. We had a title loan him borrower, me co signer. I called company told them everything. They said they would get car out and I would have to pay fees to get it back. We talked the whole month. They sold car behind my back.
I contacted my current mortgage company to refinance my existing home loan. I have provided all the information necessary. I had my property appraised and they were able to lock a desirable interest rate. I was following-up on the status of the refinance since I have not heard from them and found out that the employee handling the loan has left the company. I called customer service and it took them a while to get back at me. I was finally able to get a hold of the right person. They were responsive for few days and have now ignored me. I had to apply to another financial institution. With the move, I have to get another appraisal. The worst part is I can not get the same lower interest rate. Why do I have to suffer because the Company has no policy in transitioning client files when an employee leaves. Also, why are they now ignoring me after realizing they are unable to provide the same lower interest rate that was locked but expired because of their own doing.
Several years ago, this company ( Portfolio Recovery ) contacted me about owing this debt that they claimed resulted from a XXXX XXXX Credit Card. I began to pay but questioned whether or not I paid off the account. I stopped using the XXXX Card in XXXX because I knew I could not afford it ; however, I thought I paid off the account within a couple of years. I requested proof that I owed, and never received proof nor further communication from Portfolio Recovery. When I contacted the XXXX to initiate complaint against Portfolio, XXXX could not find the correct address associated with Portfolio Recover. Now, according to the Credit Bureaus, Portfolio is making it look like I opened an account in XXXX and have not paid on it. Which is not true. I have not reestablished having a credit card because I want to clear up and fix my credit.
I was forced into a loan situation using Peaks Loans instead of the XXXX loans i wanted to use while attending XXXX. I would like to get out of these loans but i can not get a loan to consolidate the payments at a lower rate than the 11 % i am being charged now. This company has alos reported that my loans were past due at times that they were n't and would randomly report that i was 90 days past due and then the next month state that i was current. This would bounce around like this for a while and i could not get anyone to discuss with me about the amounts and why they were the way they were.
The credit reporting agencies have added a fraud alert to my credit report without my requesting it. This is a violation of FCRA regulations. I do not understand how they feel this helps after the damage is done.
I have been subjected to high feed/rates since inception with XXXX ( now known as Navient ). I have also been declined all and/Or options to lower rate based on financial circumstances. I was also illegally reported late to credit agencies even though I was opted in their repayment program which was higher than fixed amount b