WillisBack/dataset-financial-user-claim huggingface dataset:
I had a Barclays luxury card. I pay off all my credit cards monthly. Someone added there name on my card as an authorized user. They charged my card up over XXXX in one week. The charges were n't even in my area. I disputed the charges. I had been in contact with Barclays for many weeks/months. They charged back all the charges to my card and noted on the account that it was a XXXX issue because I was married. I have never been married in my life. I am very honest person. Why would I intentionally ruin my credit. There were numerous cards that this happened too. I noticed this person added their name on my accounts as an authorized user.I started getting mail in this persons name at my house. I filed a police report. I had to go to the post office to have this person name flagged. I started received all types of mail and things from XXXX at my address. This has never happened to me. I never got a phone call from Barclays or any mail for the steps that I needed to take. I assumed my credit card company which I trusted would protect me. They have treated me like I am a criminal. It sad that I am struggle and they think I would abuse my authority and ruin my credit on purpose. I have to do what is best to protect my children long term.
Wells Fargo used my escrow account to pay my neighbors property taxes for 2017. My neighbors property is larger than mine causing my escrow payment to increase unexpectedly. Once I discovered that my property taxes were not being paid months were spent trying to get an answer from wells Fargo, and was constantly told that they were paid and they could do nothing about it. After discovering and informing wells Fargo that they were paying my neighbors taxes with my money no progress was made unless I called in weekly. I was not reimbursed the full amount I overpaid.
I turned in my XXXX XXXX XXXX on XX/XX/18. I received an incorrect tax bill for an entire year which I resolved with the town providing proof of early termination. I had contact XXXX XXXX and they stated they would do an abatement. The town has returned the excess money for taxes back to XXXX XXXX. XXXX XXXX stated Since XX/XX/XXXX they would send a corrected bill. I have received numberous phone calls from XXXX XXXX where they are not reading their own notes that this under abatement. They call my place or work, cell and wifes cell 2 to 3 times a week  looking for payment on the wrong amount. Every conversation ends with an apology and they will get a corrected bill out. My last conversation was with a supervisor by the name of XXXX and her employee id is XXXX. I'm simply asking for my correct bill so I can pay but we are continually harassed.
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XXXX/XXXX/2015 on EXPERIAN CREDIT REPORT. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records.
I refinanced my mortgage in XX/XX/XXXX, with my mortgage finally transferred to Chase for servicing in XXXX. My biannual property tax bill due in XX/XX/XXXX was not paid by any of the companies involved with my refinance or mortgage servicing, and I received a overdue tax notice On XX/XX/XXXX. I immediately notified Chase by phone and they assured me they would take care of the bill right away. I sent an image of the bill through their Secure Message Center, and received confirmation from Chase on XX/XX/XXXX and " Please rest assured I have forwarded your request to our Tax Department for review. 
Please allow 7 days for processing. 
Please keep in mind, it could take up to 30 days for the payment to process and reflect on your monthly statement. '' I called on XX/XX/XXXX to check the status, but there was no further information. 

On XX/XX/XXXX, I received a Final Notice Before Tax Sale from the county property tax office. I logged on to my account to see no payment had been made from my escrow account for taxes, I called Chase immediately to check the status. The tax department representative told me no action had been taken on paying my property tax bill, but they would process the payment right away. 

I am concerned that Chase will be slow to pay this bill, or not pay it at all, sending my home to a tax sale.
I would Like to File a complaint on Capital one bank inference to reporting negative info to the major credit reporting agencies. I have sent them proof of payments and they still claim that my payments were late. Capital One is in violation on the FCRA.
XXXX XXXX HIRED FMS, INC SKIP TRACING COMPANIES, AND COLLECTION AGENCIES TO COLLECT A DEBT FROM ME ON BEHALF OF MY XXXX BROTHER. CALLS, LETTERS AND VALIDATION IN VIOLATION OF TCPA, FDCPA FTC ... HAVE VIOCE AND WELL DOCUMENTED EVIDENCE.
On XXXX XXXX, 2015 I attempted to add {$500.00} to my XXXX REDCard by American Express. I used my debit card and was presented with a receipt showing the {$500.00} was loaded to my REDCard. Immediately after my receipt was another receipt showing that the transaction was cancelled. The receipts have matching receipt numbers and it stated " We 're sorry '' This transaction ca n't go through right now. Please try again later. '' I was assured by the customer service rep that my Debit Card had not been charged. Upon checking the debit card balance I discovered that I had been charged {$500.00}. I checked my REDCard balance and the {$500.00} had not been added to my account. I waited several days assuming it was a computer glitch and that the funds would be returned to my debit card. The funds had not been returned to my debit card nor added to my REDCard by XXXX XXXX, so I called the American Express customer service number for the XXXX REDCard ( XXXX ) to file a dispute for my missing {$500.00}. I provided all of the pertinent information and was told they would investigate the matter and would be contact me if they needed additional information. I called again on XXXX XXXX and XXXX XXXX. I was told that the investigation into the dispute could take up to 45 days and that I would be contacted if they needed any additional information. Today is XXXX XXXX, 2015 and I have yet to hear anything from anyone at American Express/XXXX concerning my dispute originally filed on XXXX XXXX. I called this morning and was told that my dispute had been forwarded to the " Disputes Department '' and they would get back with me within 45 days. I explained that it had already been over 45 days since I filed my dispute and that no one had ever contacted me. I again explained that I was willing to provide them with a copy of my receipt showing that the transaction was cancelled. The customer service rep said that information would be very helpful but that there was nothing she could do since the Disputes Department does not return phone calls and they could only communicate with them via e-mail. I explained that this was completely unacceptable to me and I asked to speak with a supervisor because American Express had basically stolen {$500.00} from me and was no refusing to even speak with me concerning the matter. She understood my frustration and said she would get her supervisor to speak with me. She put me on hold for several minutes and came back on the line explaining that her supervisor was not available at the moment but should be very soon and then put me back on hold. In total I was on hold for over 15 minutes when they actually ( accidentally? ) disconnected me. I was prepared to call again but I realized it would do no good whatsoever because I do not believe they are taking my dispute seriously and are not prepared to return the {$500.00} they deducted from my debit card almost two months ago. I am filing this complaint with the CFPB in the hopes that the negative attention they receive for these deceitful business practices will cause them to act upon my rightful claim. Thank you.
I have sent TransUnion,   XXXX   and  XXXX  each a letter stating my current most updated personal information and that all other information is not accurate. In return either non of the information is updated or partial of the information is updated and other random information such as my social security number was deleted.      XXXX / XXXX /   17  Mailed Address, Name , Work, Phone Number Information update. As of Mid   XXXX , only partial information was updated but old information was still being reported.   XXXX    XXXX 17  mailed another letter to transunion and  XXXX  for all personal info to be updated.
Bayview says not on loan, have power of attorney and faxed with my name and owners name see proof
I checked my credit report through XXXX XXXX and XXXX on XXXX XXXX, XXXX and found an open collection account listed on my Equifax report. The original debtor " XXXX XXXX '' was included in my chapter XXXX bankruptcy filing on XXXX XXXX, XXXX, which was discharged on XXXX XXXX, XXXX. The new collection account was opened by XXXX XXXX XXXX, XXXX on XXXX XXXX, XXXX with a balance of {$0.00}. I called XXXX XXXX XXXX, XXXX on XXXX XXXX, XXXX and spoke with XXXX. I informed XXXX that the original debt was included in my bankruptcy discharge on XXXX XXXX, XXXX XXXX stated that they performed a bankruptcy scrub prior to listed the account as an open collections, but did n't see the debt under bankruptcy. XXXX further stated that she will note account as a bankruptcy and that it should be removed at the beginning of XXXX XXXX, after the update. 
I am disappointed with XXXX XXXX XXXX, XXXX 's remedy to resolve the problem. The original debt was legally discharged, therefore, no one should contact me about recovering the debt and more importantly, list the debt on my credit report as an " open collections '' debt. I am trying rebuild my credit and the inaccurate negative listing has caused harm to my rebuilding efforts with creditors. I feel that I should n't have to wait until XXXX XXXX for XXXX XXXX XXXX, XXXX to remove the inaccurate data ; it should be removed immediately. I tried to file a dispute with Equifax online ; however, I was informed that I need to fax or mail in a request, which would take longer to process. 

Consider This Summary : XXXX XXXX, XXXX -- Original debt included in the bankruptcy petition XXXX XXXX, XXXX -- Debt discharged by bankruptcy court. 
XXXX XXXX, XXXX -- XXXX XXXX XXXX, XXXX tries to collect the debt and lists on my credit report XXXX XXXX, XXXX -- I received an alert from credit monitoring companies XXXX XXXX, XXXX -- I verify the inaccurate data on my report. 
XXXX XXXX, XXXX -- I contact XXXX XXXX XXXX, XXXX ( i.e. XXXX ). 

Please pay close attention to the dates. XXXX XXXX XXXX, XXXX opened the inaccurate account one and a half months after the discharge.
I initially filed a claim against XXXX. They informed me that " the mortgage was sold and servicing was transferred to XXXX, XXXX XXXX XXXX, XXXX. This has lead to a Summary Judgement for Foreclosure. The Sheriff Sale is pending now, for XXXX XXXX, XXXX. The listed Plaintiff is TRUST, c/o XXXX XXXX by assignment. According to an independent Forensic Loan Audit, the " mortgage was in Violation of the " FTC Act and Unfair & Deceptive Acts and Practices. '' Some of the specific Violations cited were 1 ) Unconscionability, 2 ) Duty of Good Faith and Fair Dealing, 3 ) Unfair and Deceptive Acts and Practices, 4 ) Preditory Lending, 5 ) Lack of Due Diligence in Underwriting, 6 ) Inappropriate Loan Program, 7 ) Deception, Fraud, Unconscioable, 8 ) Equity Stripping, 9 ) Targeting, 10 ) Acccording to the Audit, the lender Violated section 5 of the Federal Trade Commission Act. A copy of the Forensic Loan Audit is attached ; a partial list of excecive collection calls, after contact ; Letters re : Request for " Validation '' of Debt.or stop contact ; copy continued contact. & response to request..
XX/XX/18 I currently have an account with ace cash express under the label " XXXX XXXX '' I went to use my card to overdraft a few dollars to pay off a bill and was told that it wasn't working. I have tried contacting ace cash express, and was told I was on a cool off period after 16 overdrafts in a years period. However I was never made aware of their policy, and have read every " terms of service '' regarding their overdraft protection program. Nothing is made aware to consumers that there is a cool off period. Do they need to disclaim this to the end user?
LYONS, DOUGHTY, AND VELDHUIS PC have sued me when they have admitted to being a debt collector. They have copied a fictitious letter stating they sent it to me which no proof can be verified as it was not send as a certified letter. 

The above debt collector did not contact me nor did it make any attempt to do so. The first time I heard of them was on the court summons sent to me on the courts behalf stating that the LAW FIRM of LYONS. DOUGHTY, AND VELDHUIS P.C. has sued me. They can not legally act as a law firm and then act as if they are just a debt collector. THIS IS A SCAM TO CONSUMERS!
Ive sent three letters requesting the removing of XXXX XXXX XXXX  inquiry. 

Ive told them this account was fraudulent. They removed the credit card as well as the fraud address and incorrect spelling of my name to open this account. 

Yet when I ask to remove the inquiry they claim I authorized it and will be on my account for two years. If they did their job and called XXXX XXXX XXXX  they would know this account was reported as fraud. 

Also inquires XXXX XXXX and XXXX XXXX XXXX  was placed by a collection agency. When I contacted the collection agency on my account they stated no knowledge of this. 

Please remove them as I have no knowledge.
I have asked Midland Funding to validate a collection they are reporting on my credit reports from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
I obtained a mortgage and they insisted my homeowners insurance was to be paid through them by impounding the monthly charge. My policy expired in XXXX 2016, they did not pay it nor inform me that this policy was not being paid. However they have been collected the funds for insurance this entire time.
I just paid OFF my XXXX XXXX XXXX Credit card on XX/XX/2018 ( with XXXX XXXX ), the account is now CLOSED. 

I'm making a request that XXXX XXXX should be notified to report my PAID OFF account status to all 3 Credit card bureaus to help improve my credit report, thanks.
I applied for a student loan consolidation product from Common Bond. I have excellent credit and always pay my current bills on time with no trouble. I 'd like to take advantage of lower rates in the current marketplace. Common Bond 's marketing products suggested that a cosigner would help me get a " better '' rate. Common Bond 's advertising materials made me feel as if I would be eligible for a good rate based on my excellent credit, good income, and good payment history. Additionally, my husband would have been happy to cosign. 

When I finished the application, I was told that I need a cosigner with an annual income of {$80000.00} to qualify for any loan. This requirement came AFTER Common Bond pulled my credit report, and Common Bond made no previous mention of requiring a cosigner with such a high income. 

I feel that this is a deceptive marketing practice and it unfairly limits my access to credit. Common Bond has wasted my time and potentially damaged my credit report. I have made payments on my current student loans for three years with no problems, and feel that I should qualify, especially because student loans with lower interest will be even easier to pay.
Experian has willingly neglected to delete and block information on my credit report resulting from Identity theft. They continue to host 30 day disputes which is not in accordance with FRCA guidelines regarding identity theft claims. All information has been provided to Experian through certified letter, prior CFPB claim ( XXXX ), and an existing CFPB claim ( XXXX ). 

An account with XXXX XXXX XXXX XXXX has been placed back on my report after 5 months of it being removed which reflects Experian has failed to block the information which is required by law. It is also out of the 30/60 day of investigation/re-investigation time-frame. 

All information supplied to Experian is attached and shows the multiple attempts to resolve identity theft on my report. XXXX and XXXX handled this matter professionally and quickly. Any further attempts from Experian to only dispute and not delete and Block the  information will result in legal action. FRCA guidelines are attached for use by Experian as they have failed to delete and block the information.
In XXXX 2016, I was induced to open a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX AAdvantage points after opening a CitiGold account and then scheduling two bill payments from the newly opened account and making at least {$1000.00} purchases with Debit Card. 
Having completed the eligibility requirements, I inquired with Citi about when I would receive these points. I was extremely disappointed to hear from Citi about the outcome of case XXXX. After first offering the promotion, it appears Citi is refusing now to honor its promises. I appealed this denial citing several interactions with Citi representatives replying to my communication regarding the promotional offer. The debit card was not delivered to me several weeks late. Following communication has been initiated : XXXX, XXXX, XXXX, XXXX. I would like to point that I am in position of the promotional offer and screenshots made on XXXX/XXXX/2016, the day I applied for the CitiGold account, that clearly indicate the promotion code and Rules and Conditions and the fact I am eligible. 

I received the same form response that I was not eligible for the promotion without citing T & C of the original offer. While researching this issue online, I have found widespread complaints about Citi from other clients who found themselves in the same situation. 
I am extremely unhappy as I am currently in processes of transferring my assets over to Citi, but this event has seriously undermined my trust to your bank since such marketing practices are deceptive and misleading. I truly believe Citi must take steps to honor the bonus offer.
On XX/XX/2016I received a letter from this auto lending company Credit Acceptance and when I spoke with them via phone they explained that they would remove this transaction from my credit report that shows 3 times over thirty days late I am attaching a letter that shows that this matter was settled these transactions should have been removed from all three Credit Reporting Agencies XXXX XXXX and XXXX  because they agreed to remove these transactions they are now along with XXXX  XXXX and XXXX in violation of the Fair Credit Reporting Act.
On XX/XX/XXXX ; my wife and I purchased a new XXXX XXXX XXXX that was a loaner car from XXXX XXXX in XXXX. We signed all the loan documents and were told we were pre-approved for the car loan through American Credit Acceptance, we gave our {$1000.00} down payment and left with the car. A few days later, we go the hard approval but we needed to give our proof of residency, and do our welcome call. We provided the requested documents and did our welcome call. We then waited for our license plates and registration but they never came. 

We were contacted on or about XX/XX/XXXX and was told our approval was rescinded because my income did n't add up because the dealership failed to get my self employment documents which I then sent over and the approval was reinstated. 

On or about XX/XX/XXXX ; we went in to sign updated paperwork and were told everything was done and that everything was fine. 

On XX/XX/XXXX ; I was contacted by the finance manager that American Credit Acceptance wanted copies of bank statements for an account I no longer have access to. I was told that this would n't be an issue a week ago when I spoke with the regional manager from American Credit Acceptance. 

I am suspecting that I am being asking to provide all this additional invasive information because I am XXXX American and being discriminated against. This has been a nightmare and I have been more than accommodating to both but this is ridiculous.
In 2009, I went to XXXX XXXX in XXXX, NY for XXXX XXXX XXXX. One of the XXXX XXXX employees offered me an option to apply for a Care Credit credit card, in which it would pay for my loan and the card was also interest free. I was never advised of any other terms of the card. I accepted it and went through with the procedure. I continued to pay on my Care Credit account, with no late payments, until it was approximately half-way paid off. I then noticed my pay off balance had substantially increased. I contacted Care Credit via phone and they advised me that, since I did not pay off the entire balance during the " promotional period '' that all of the interest was applied back to my account. I was not made aware of this by XXXX XXXX nor Care Credit and I was completely taken off guard by their response. If I would have known then I would have certainly paid off my balance in that time period.
Received a collection letter from alltran financial stating that I owe {$860.00} to XXXX XXXX. I have verified that I do not owe XXXX XXXX   anything. 

I did ask alltran financial for verification of the debt but they refused unless I verify my social security number and other personal information. ( I will not provide any information of that nature over the phone ) I Am also looking into litigation against them as it feels like a scam.