WillisBack/dataset-financial-user-claim huggingface dataset:
I applied for my barclay gold card actt ending in  XXXX  in  XXXX     2016. I  was informed that since I was an  XXXX   XXXX  military member all fees associated with my account would be waived and given 0 % interest till the end of my  XXXX   XXXX  commitment. In  XXXX   2016 Bar clay changed there policy and announced that these benifits would now only apply to those that had the card open prior to joining the military. This was a change from there original policy open to all those in the military regardless of the card was opened prior or after joining as long as the member was still on active orders. After I saw this change I their policy I called  Barclay and asked if i would be effected. I was told no since I had opened my account prior to the new policy that I would be grandfathered and my benifits would continue till the end of my service. I then just recently revived a new notification from Barclay  informing me that they would not be honoring the policy and that since I applied to the card after joinig I would now have to pay all fees associated with the card. I contacted barclay and asked what was going on they informed me that this was a change in policy and they could not do anything about it. I asked about being told before that I would be grandfathered as I applied prior to the new policy. They told me that I was being grandfathered but only for the fees of the year I joined and that would be it. I told them that when I first signed up I was given a letter that these benifits would continue till the end of my  XXXX   XXXX  service. At this point they just said sorry you can close your account if you want their is nothing we can do. I find this to be disturbing as the policy only changed after the fact and I did not recieve a notification in  XX/XX/XXXX  letting me know. I had to inquire to be told I would not be effected. Just to be told later on that I am now on the hook regardless of the original agreement.
A bank account with XXXX was placed in collections with another collections agency. Told them this was fraudulent and sent copy of police report reflecting that. Today I received a call from XXXX about this same account and told them the same information. They requested copies of the police report. Told her I no longer have and she needed to get the information from the previous collector. Woman said I had 72 hours or submit or collection call would continue and then hung up on me. I called back, spoke to another lady and requested to speak to a supervisor, she went over the same information. Told her I have no intention of addressing the matter any further and wanted to speak to a supervisor. She transferred me and I was told the same thing by another supervisor, told them I was n't sending any information and to cease and desist calling me. She said the collections process would continue.
- I opened a Citibank interest checking account using the {$300.00} bonus offer promotion  (   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ).    - In compliance with the offer, I made a deposit of {$15000.00} on  XXXX / XXXX / 2017 , and also completed the direct deposit requirements.   - According to the terms, the bonus should have posted within 90 days of completing the offer requirements (  XXXX  ) - However, they asked me for additional tax documentatio n (   XXXX   )  on  XXXX   XXXX , even though I had provided all the necessary information with my application. I submitted the tax documentation on  XXXX   XXXX  which was delivered on  XXXX   XXXX , but I still have not received the {$300.00} bonus in compliance with the offer.
I own a condo in XXXX and fell behind in my condo fees because of a dispute. The condo assn filed a document threatening to sell the property at auction XXXX XXXX, 2016. I am XXXX % current on my mtg payment. This dispute is about condo fees and the bank 's collateral. I understand that the property is collateral for the loan. I wanted them to be aware of the threat to their collateral. 
As soon as I rec 'd the doc, I forwarded it to Nationstar Bank. I called them several times and sent emails and they told me repeatedly, someone from the legal dept would return my call. This went on for weeks. I hired an atty who was able to get them moving. When I did hear from their atty, XXXX XXXX, he requested, on the day of the auction, an extension. He stated that his office needed more time. Obviously, this was not acceptable to the board. I borrowed some money and I wired the funds when I did not hear from Nationstar atty. Unfortunately, the board atty, XXXX XXXX, said it was too late. I have no way of verifying what time the money was received by the other side. Now, my bank will not talk to me without an atty!! How do I get any service without paying an atty?. This can not be happening in America.
IC Systems added a collection to my credit report stating I have a XXXX bill, which I never had. The address is a family member but I never authorized a bill at XXXX XXXX XXXX XXXX. I live at a different location with my on bill I wrote the company asking for them to validate. The debt or remove it from my credit report they have done neither. It is crazy to me how they can affect your life and employment with no proof or recourse when they know they are wrong. They do n't even have to respond to your letters. This should be a crime.
XX/XX/2018 I have reached out to All three credit bureaus requesting corrections to my personal consumer credit report. 

I have contacted all three agencies via telephone and also via certified US mail with my requests for corrections. 

Since my initial requests submitted back in XX/XX/2018, I was able to get multiple items corrected on my personal consumer credit report with the exception of several items that are still invalidly listed on my profile. 

Equifax is the primary credit reporting agency that I am having the greatest difficulty with getting them to report accurate information on my personal credit report. I have spoken with them via certified US mail and over the telephone with an agent representing their agency and was told that the only way that I am able to view my personal credit profile online, would be to subscribe to a service that they offer for a fee. 

Equifax is allowing various companies to list inaccurate information and information that does not belong to me onto my personal credit profile, after I have disputed it several times within the past year. This is hindering my credit abilities and causing great strain within both my personal and professional life. 

One of the main issues that I am having with Equifax, are the correct reporting of my student loans, I have consolidated all of my student loans which should be listed under only one Agency, however Equifax is listing them under the agency that they are consolidated with, but they are also listing them individually making my credit profile look as if I have double the amount of student loans which is impacting my overall credit score. 

Equifax is also allowing XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, to report inaccurate information on my personal credit profile which is impacting my overall credit and credit score.
XXXX XXXX XXXX XXXX collection agency Credence removed an alleged debit from all 3 credit agencies over 3 years ago as the debt did not belong to me. Now Credence has reinserted this same debt to all reporting agencies under my name without properly notifing me in advance. 

I have requested Credence collection agency to provide validation of this alleged debt, but they refused to. However, they mailed me a 50 % off settlement offer instead.
I just noticed that in2016, Citibank paid consumers because of fraudulent activity with Credit Card Protection. They are doing that same thing to me, now. I took the Protection, and just today find it is through XXXX XXXX XXXX. Between 2016 and today less than {$600.00} has been paid on the acct. I called Citi, they will send a statement from 2016 but said acct has gone to collections, how can that be when I still pay for protection. They will not permit me to have access to this acct on line, and I tried two years ago and they said no. Wont send me an up to date statement and XXXX XXXX wont say what they pay or what I am paying them for this Payment Safeguard program. This is Fraud. Someone needs to go after them again, this consumer seems to have no rights. I am to the point I am not going to pay Citi, unless I get answers. Can you help.
I purchased a home in XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, XXXX. This was a short sale purchased from the Bank. This fact is important as I am the first owner of home. The contractor that built the home went bankrupt and during that process he evidently allowed this couple to live there, in the contractor words-trying to recoup some monies. The house was built and not sold before contractor went bankrupt. Evidently a couple lived in house prior to me and had XXXX XXXX XXXX. Shortly after purchasing the home. Letters started to arrive for the previous occupant, then Deputies with warrant in debts. I advised all parties that that guy did n't live here and I had purchased the home. Incidentally I have been a XXXX customer for many years. I am currently a XXXX internet customer. After I called XXXX in XX/XX/XXXX and discussed the letters and deputies coming by stopped. Recently we have begun receiving letters from Stellar Recovery , Inc ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ) ref this debt. A dept that is not mine. I did not even move to XXXX XXXX until XXXX XXXX when I purchased home. I believe what has happened is the collection agency did a records check and since I was the first owner of the home they attached my name. I have discussed with XXXX again. They said its not my debt, not my name, not my DOB and not my SSN. I just sent a letter to collection agency stating- Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I wish to submit a complaint with you ref this collection agency. They are not utilizing any common sense in collecting this debt nor the facts. My only connection to this is the address of the home I purchased. We consider this harassment and want it to stop. Thank you in advance for your assistance
My husband and I bought electronic equipment on a Best Buy credit card, which account was opened specifically for the purchase and which carried no interest for 5 years. The account is held by Citibank. I immediately set up an automatic payment for the account, paying half of the minimum due every two weeks. At the time, my husband and I were employed at a company that pays every two weeks. My husband is still employed there ; I have since retired. No further purchases have been made with this credit card. 
In XXXX XXXX, I discovered that I 'd accidentally set up the payment for a single payment of {$57.00}, payed in XXXX XXXX ; I promptly paid the {$130.00} due, bring the account current. I have been paying {$28.00} every XXXX weeks since then. 
I just got a phone call saying I owed {$110.00} because of a late payment. I did n't understand how I could be late when I 'm paying an extra full payment a year. I spoke with the manager and she finally told me that my payment hit on the XXXX of the month, when I was supposed to make the payment no later than the XXXX. I asked how I could be late when I was making an extra payment every year and she said that we were not allowed to pay the account early!! I was charged over {$200.00} in late fees last year, by their own admission, because I paid my account early and the funds were applied to my balance rather than to the next month 's payment. 
I have brought my account up to date and have changed the payment date to the XXXX of each month and the payment amount to the full minimum payment. 
I feel that Citibank engaged in deceptive practices in order to charge late penalties.
My loans are serviced through Navient, and last year I consolidated my federal loans on an income-based repayment plan. The plan was supposed to go into effect in XXXX, yet I received a bill for over {$200.00}. As I was working full-time over XXXX hours a week, I did not have the time to call and clarify and did not want to be delinquent on my federal loans, so I paid. Same for XXXX and XXXX. When I called in XXXX, I was told that Navient had RECEIVED MY PAPERWORK, WHICH WAS IN PROPER ORDER, but had simply failed to process it. My father mentioned the story that ran on XXXX recently, and I realized that what Navient was accused of was exactly what had happened to me. While paying down loans is never bad, having surprise bills in excess of {$200.00} when you live paycheck to paycheck is massively inconvenient, and now that I realize that this was a deliberate action on Navient 's part, I am infuriated.
I am a member of credit expert I have a membership and am allowed to view my credit report and score once a day. I have been transferred to the dispute Dept then back to the member Dept to resolve this issue mbr ship Dept tells me I have no address on file to view my report and to call experian I called experian and the put my address on my report. I then called back credit expert to view my report and was told I have to call dispute dept because there was a mismatch with my social security number and that over XXXX reports have generated dating XXXX but I still have no access to view them. This needs to be resolved so I can review my credit report and score.
This is a complaint being filed on behalf of my mother-in-law who has a credit card with XXXX  XXXX XXXX XXXX through XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, Ohio. According to her, she only used her card for one purchase, which according XX/XX/XXXX or XX/XX/XXXX was for {$1300.00} as of XX/XX/XXXX. However the statement listed her balance as XXXX even though she was paying her bills. After talking with a representative of the credit card company after my mother-in-law gave her permission, I was instructed to send a letter to obtain copy of her payment records to the address above. I sent two letters that has my mother-in-law 's signature -- XX/XX/XXXX and XX/XX/XXXX mailed on XX/XX/XXXX. Payments were included with the first letter and were process according to her next bill. The XX/XX/XXXX, letter was sent by certified mail USPS XXXX and was received. As of XX/XX/XXXX, I have received no response from the bank.
I recently reviewed my XXXX  consumer credit report and discover a company calling itself Portfolio Recovery reporting a negative account on my report. I have no knowledge of doing business or signing a contract with Portfolio Recovery. This willful and negligence action is causing harm to my credit score.
On Saturday,  XXXX   XXXX ,    2017  I sent by certified mail a  XXXX  letter to equifax. On Tuesday,  XXXX   XXXX ,  2017  according to th e USPS tracki ng information it was received. Today is Tuesday,  XXXX   XXXX ,    2017  and according to my  XXXX   XXXX  report there was a collection by the name of  XXXX   XXXX   XXXX  that was removed and added back again to my report. I have not received any type of letter, phone call, or email from either the collection agency or equifax stating that this item on my credit report would be removed or added. If the research I have done is correct, it states that once an item is removed they have to send you a letter giving a 5 day notice stating that they are added something back onto your report and if not it has to be deleted because thats illegal and in violation of the FCRA. Ive reached out to equifax and was told there is nothing they can do.
Paid bill 2 weeks in advanced but they processed bill a week after due date, causing it to appear as though I was late. Moreover, now they send out bills within a couple of days of due date. This has affected my credit greatly and making it appear as though I'm late constantly! In trying to tell them that they're sending out bills late, Rep. Informed me that its not their fault about the US Mail. So I asked, why is it that the same courtesy is not afforded to me, as she stated that my payment may have gotten late because of US Mail. Rep. stated its not their responsibility to check for mail. This is ridiculous, they want to be absolved from sending out late payments while charging me for the same thing they are forgiving themselves for. Moreover, my payment was never late as it was not process promptly.
This loan is under American Eduction System, under the name of XXXX XXXX or XXXX XXXX for attending XXXX in the XXXX XXXX area in California. We believed this loan was originally for our older son XXXX XXXX, however he attended XXXX XXXX XXXX garduating in XXXX. The loan was issued in XXXX when neither one of them were attending XXXX. We have been trying to get loan history and whos loan this is and have not been given any information. We now believe that we have been paying on this loan for 10 years without actually owing any monies. The reason we have waited to dispute this is beacause we did have 2 kids go to XXXX and we did take loans out for both, however when we took the loan to the kids, we decovered the descrepancies in the loans. All loans for XXXX XXXX started in XXXXXX/XX/XXXXandXX/XX/XXXX, with XXXX XXXX which were sold to XXXX services. XXXX XXXXXX/XX/XXXXStafford XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX. Thank you XXXX XXXX
My US Bank XXXX XXXX credit card offers 5 % cash back every quarter on categories that I choose. For the XXXX quarter of 2015, I choose electronics as XXXX of those categories and made a purchase in the amount of {$1900.00} at XXXX based on receiving 5 % cash back for this purchase. XXXX is specifically listed on the US Bank XXXX XXXX rewards site as " popular merchant in this category ''. On my recent statement, US Bank is only crediting me the standard 1 % cash back. Upon contacting US Bank, they explained that I was n't eligible for the additional 4 % because the merchant coded their transactions as Catalog Merchant rather than Electronics. While I understand that US Bank ca n't be held liable for how a random merchants codes their transaction, by listing them as an example of a merchant in that category, they are falsely implying that transactions with that merchant will receive the 5 % bonus ( despite the fine print that they ca n't guarantee a purchase will qualify for 5 % rebates ). US Bank has not done their due diligence to verify that their list of example merchants is accurate and as a result is deceiving their customers. This deception affected my purchasing decision. I would not have made this purchase without the promise of 5 % cash back and as a result have been injured in the amount of {$79.00} in lost rewards.
Wanted to check if I established some sort of credit in the past, curious to see what I might have. Experian Questioned if I tried to get a mortgage loan last year or applied for a retail card? The amount I applied for on the mortgage, I did none of those things whatsoever, at all, or even tried to apply for a credit card.
On  XXXX   XXXX ,2017  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX   XXXX  had inputted an inquiry on my credit report without my authorization.
I submitted a complaint with XXXX for allowing information to be reported to my credit after it was reported as fraud. I got an email from them that the documentation was n't acceptable or that they needed something additional. I have attached that snippet to this complaint. I submitted a valid/approved police report from my local state agency. They are asking for all of the pages. I submitted all of the pages. It was only one page. It has the officers name that approved it, with the date, time, and the state agency that approved it. There is nothing else that goes along with it. I called the agency and they said that there is nothing else that the bureaus should need. They did advise me that I have the right to file a small claims lawsuit against them if they continue to give me any issues. I will be doing so this week if I get another email stating that what I have sent over is n't acceptable which is letting me know that the cfpb, XXXX is all working together. I am also waiting to see what the outcome will be in regards to my complaint with the ftc. All I want is for them to remove the XXXX XXXX XXXX that was just reported, which should n't have been because it was just removed and XXXX XXXX XXXX needs to be removed as well as I have been stating for the past couple of weeks. I am beginning to think that they are refusing to remove the information and if that is the case I will be taking further action. I look forward to this being resolved. 

Transunion also allowed an item to be reported to my report as Fraud and that was XXXX XXXX XXXX. It was reported on XX/XX/XXXX. That needs to be removed as well as it was fraud. I have sent them over a fax with the same information along with my police report and I have n't gotten a response.
collection attempts were made by a out of state debt collector who failed to provide verification of debt to me Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) by the following company MEYER & NJUS, P.A ATTORNEYS AT LAW XXXX, MN XXXX validation request sent via USPS certified XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/2015 after failing to prove the debt they transferred the account to there sister company XXXX XXXX, MI XXXX FOR FURTHER HARASSMENT OF LEGAL ACTION TRYING TO FORCE ME TO PAY THERE FIRM TO WHICH I DO NOT OWE ANY OF THE ABOVE FIRMS I HAVE NEVER ENTERED INTO CONTRACT WITH.
Someone stole my identity and had opened a XXXX XXXX credit card. I had opened multiple cases with Equifax to remove this fraudulent account from my credit file. Equifax always comes back with same response '' Account # XXXX The results are : We verified that this item belongs to you. Additional information has been provided from the original source regarding this item. '' This has caused my credit score to drop from XXXX to XXXX. 
Also this was the address used to open this fraud account : XXXX TX XXXX. I have never lived in this address. Equifax is not removing this address from my credit file. 

I had opened multiple cases to fix this issue, but Equifax never removes this negative account from my file. Below are the case numbers : XXXX XXXX XXXX XXXX
Every month I get XXXX10 calls a day from my mortgage company PNC Mortgage. Whether I pay the bill on the first or the XXXX ( last day to pay ). They go into my account and withdraw money with out my consent. They are very rude when I talk to them. They call as early as XXXX and as late as XXXX.
I noticed my credit report is showing a account from XXXX that does not belong to me I never did business with XXXX  never opened no account with them or anything. My identity was stolen and access to all of my information was compromised as well as a individual changing my security questions to gain access to my information. We found out that someone was stealing mail out of my mailing address mailbox. The address has mail coming from XXXX address to me but I never opened an account with XXXX  so I never opened any of that mail.
I had a bill from XXXX that I defaulted on and made all payments to Stellar Recovery Inc for the amount of {$280.00}. I have made final payment to the account and now I am being told that I defaulted on a payment and have NFS fee 's from my payment in XX/XX/XXXX. I am being charged an additional {$30.00} to this account. The payment in XX/XX/XXXX was automatically withdrawn through my bank and I have checked with the bank and there are no return fee 's on my account. I checked with Stellar Recovery and was told I had to handle it through XXXX. I have called XXXX sent them proof and I am still being given the run around. I called on XX/XX/XXXX and was told to give them 7 days to process and they would contact me. I called again today and was told I need to give them an additional 7 days to process again. They do n't provide someone in there collections department to speak with and I am getting no where with closing this account.