WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX of XXXX I submitted an online application for a secured credit card through US bank. Application required checking account and routing numbers in order to complete application. After submitting the application the site informed me that I was not approved for a card at that time and would be sent a letter in 7-10 business days explaining why. Roughly 6 weeks later in XXXX XXXX {$300.00} was withdrawn from my bank account to US Bank for the deposit with no notification of a new secured card account opened. I immediately Contacted US Bank to close the account and issue a full refund of {$300.00}, as I was not aware of any approval on my application. US Bank refused to do either. Was told I had to wait a minimum of 60 days to ensure there was no activity on the account. The account has since been closed due to overdue balance on a card that was never activated and account was never used. I was charged an annual fee along with late fees and interest. That 60 day wait was to charge fees and interest on an account that should NOT have been opened in the first place! They are now requesting an additional payment of {$110.00} in order to issue a refund. They are now negatively reporting to the credit bureaus after stealing not only my {$300.00}. But now want an extra {$110.00}! After multiple calls made to US Bank this has still not been resolved. I just want my {$300.00} back and all negative marks removed!
I have been a victim of inquiry issue. Misreported inquires. Their customer service would not help and take care of the negative inquiries reporting to your credit report. 

Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX XXXX, DE XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX XXXX, DE XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX XXXX XXXX , FL XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX XXXX , OH XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX XXXX , MN XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX, MI XXXX | ( XXXX ) XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX XXXX , FL XXXX | ( XXXX ) XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX XXXX , FL XXXX | ( XXXX ) XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX XXXX , DE XXXX | ( XXXX   ) XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX XXXX XXXX , PA XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX XXXX XXXX , PA XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX | ( XXXX ) XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX XXXX , FL XXXX | ( XXXX ) XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXX XXXX XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX XXXX XXXX  , MI XXXX | ( XXXX ) XXXX
I have asked Cash Call on several occasions now to refrain from contacting me at work. They called again today, and this is not acceptable.
It has been reported in the news that XXXX XXXX XXXXXXXX and XXXX have publicly stated that they will start denying loans and services to companies that are in the firearms business. These steps will be taken without considering the financial stability or credit worthiness of the companies. 
My understanding is that this is discrimination which is illegal under Federal Law and well as attacking the 2nd amendment of the US Constitution. 
Banks are intended to provide financial services and not make political or social statements. Both of these banks have received tax payer support during the recent collapse of the banking systems. By taking public support, they have also, removed any plausible argument that as a independent organization, they are free to make any statements or restrictions of trade they choose.
**Applied for and was approved for a personal loan a total XXXX **In the granting process I put up a vehicle title **I made regular timely payments monthly **I walked into the financial loaner with an outstanding balance owed - XXXX **I made a substantial pay-down to the balance with XXXX remaining very minimal outstanding balance XXXX **made repeated requests and pointed out - the XXXX XXXX holds greater collateral then that of the small personal loan remaining of XXXX **repeatedly requested they renegotiate the loan, release the title, lower the interest
Equifax After chapter XXXX in 2014 there is XXXX credit card account XXXX CREDIT CARD still listed as open. As a result this is bringing my credit score down.
I have tried to request my free annual credit report online from Transunion and they refuse to give it to me. I have called their XXXX number for the free annual report. There they tell me I have to wait 5 weeks to get a report if I request by phone. They want me to give them my phone number to complete the request, I do not wish to do so because I do not want SPAM calls from them. THis is unnacceptable I am in the process of buying a home and have a new collection account which, by law, I am supposed to be able to dispute. Their lack of response is causing me great distress. I dont have time to submit a dispute through the mail or wait 5 weeks for a credit report. Unacceptable.I find it disturbing that these companies get away with being incompetent and get away with it. even make XXXX on poor consumers and greatly affect their lives.
I fell behind on my mortgage about 9 months ago due to a decrease in my income as I am a small business owner. Unfortunately it was difficult for me to get caught up but now I am in the position where I can confidently pay my mortgage and have the support I need. My loan was transferred to M & T Bank and they never reached out to me to offer me help, they never assigned a specialist to my loan or attempted to inform me that there are alternatives to foreclosure, I found this out by doing my own research online. I feel as though I was treated unfairly and that my rights have been taken away from me as a homeowner.
On XXXX/XXXX/XXXX I made first contact with XXXX XXXX in order to find out what the general status of the debt was. I was unable to get this information as they has stated that the debt had been assigned to ACI ( American Coradius International, LLC. ) for collections and they could provide no further info and that I 'd have to contact them ( ACI ). I then made contact with ACI the same day, XXXX/XXXX/XXXX and was forwarded to a woman named XXXX who stated she was in charge of my account. She verified my contact info, e.g. DOB, home address etc. and gave me my internal reference number for ACI. I mentioned I would be sending in some correspondence and I thanked her and the call ended. Shortly after that call, I went to their site and decided to try and register, which I did successfully and decided to browse my account. Menu options upon logging in were : Balance, View payments, Contact Us and Profile, all of which had info once clicked. I took several screen shots of what I viewed which I will attach to this complaint. I later went back after receiving an email from ACI verifying my enrollment and to my amazement, all of it was no longer available and what was there was merely " Terms and Conditions '' under each category. To say the least I found this interesting. I later decided to fill out a Verification letter from CFPB ( XXXX ) and mailed it off via USPS Certified mail on XXXX/XXXX/XXXX ( file attached ). I have been very proactive in dealing with creditors since my wife and I had a major financial setback in late XXXX. The last time I had utilized XXXX credit was on XXXX XXXX, XXXX and to this date, XXXX/XXXX/XXXX I have had no contact from either XXXX XXXX ( XXXX Bank ) nor ACI in any form whatsoever. I also found it odd that upon viewing recent XXXX reports, from XXXX XXXX and from XXXX XXXX, ACI appears nowhere on any of them in the reporting of this debt, however they requested an " Account Review Inquiry on XXXX/XXXX/XXXX ( screen shot attached ). Now, my last recollection of my balance with XXXX XXXX following my last purchase in XXXX XXXX was approximately {$1600.00}. The amount that I was able to view upon logging in on the ACI website before the info apparently was removed was {$2100.00} ( screen shot attached ) which of course I found completely outrageous to say the least given the lack of contact, not to mention it could very well be violating various codes ( XXXX XXXX XXXX XXXX - XXXX, XXXX & XXXX ). Again I will reiterate, I have not received any communication from ACI let alone XXXX XXXX in any way shape or form since XX/XX/XXXX aside from the " Account Review Inquiry '' on my XXXX report mentioned above.
I have been working on my credit for the last year or more to get my score higher, I monitor my credit and my mail daily. This company Commonwealth just posted a collection to my report without sending me a 30 day notice letter to either dispute the claim or settle it. I have not spoken with them nor have they sent me anything in the mail at all. Had I had been given this opportunity I would have taken care of this one way or the other before the collection ever hit my report.
I XXXX and am on a XXXX month contract. I was crunched with fewer XXXX classes and tried to contact Citimortgage about any type of help I could get within their system. 

After a XXXX month process of speaking to multiple Citimortgage representatives and receiving different answers and interpretations about the same procedures ( possible outcomes and the best timing for initiating which procedures ), I have come here to complain. 

I have two problems with the system currently in place at Citimortgage. 

1. It is reactive rather than proactive. Apparently, the bank will refuse to help unless the customer falls behind and skirts the edge of default ( but paradoxically will not offer a deferment of payment until AFTER the situation has been resolved ). I tried to do the responsible thing and contact them before the issue became a problem of my not being able to pay. 

2. The Citimortgage associates to whom I spoke each had different understandings and misconceptions about what I was trying to do, why I was trying to do it, and how I should go about handling my particular situation. Though I understand that they must follow company policy, each of the representatives should have had the same understanding of how that policy was to be implemented. After having spoken to XXXX different individuals over the course of two months and received multiple possible answers to the same questions, I am EXTREMELY frustrated.
I tried to apply for a Chase credit card, but always got denied because of " previous unsatisfactory relationship with this bank ''.
Some OCwen home loan servicing has paid my taxes on my property and my name : XXXX XXXX XXXX has been removed. 

I have not taken steps to remove my name from official records. 

This is a fraud on my title. 

I
I received a collection notice from Credit Protection Association L.P. for a debt / service I never signed on for. The alleged original creditor is XXXX for the amount of {$550.00}. However, my electric provider is XXXX and my gas provider is XXXX and I have been making monthly payments to both continuously for the past several years. I have never entered into any agreement with XXXX. I do not entertain solicitation notices either by mail, person, or telephone. When I logged on to the XXXX site, the request a dispute link leads to a server error and does not allow you do take any action.
Dept of Education/ Nel Net has been Falsely reporting students loans that are NOT owed to their Department. I have requested 4 times in writing and verbally. I have sent proof to all 3 credit bureaus of my paid in full account with the Department of Education ( not Nel Net ). This error is not only causing harm to my credit file but is also effecting my credit worthiness. Please correct As soon As possible.
Hi On Monday, XX/XX/XXXX I tried to get a service from website called XXXX, in order to get their payment plan they need a credit check from Equifax. 
I got an error from them that they cant obtain my credit report from Equifax, I have called Equifax and based on what they said they dont have my information on their file. They asked me to send them a copy of my SSN to their fax or their mailing address. I have sent them both to their FAX number and their mailing address, and I have proof that they have received them both. 
today Monday XX/XX/XXXX, I have called them many times and they dont know what is going on they tell me they haven't received my documents. 
then today they told me to check with my company that i work with, I did, they informed me they report all my correct information to IRS. so problem is from the credit report company. 
I dont know what is going on but i need a copy of my credit report from EQUIFAX, these are all despite the fact that i can easily and simply take them from FICO and XXXX, its just this company website that i need to use only can verify by equifax,.
The loan was disbursed on XX/XX/XXXX. I attended XXXX-XXXX in XXXX XXXX Missouri for a half of a semester. I dropped the classes when I realized that XXXX dollars for a four year degree from an unaccredited school was a rip off. XXXX-XXXX told me they were nationally accredited and credits should transfer anywhere. I later found out that a school had to be regionally accredited. I made payments of XXXX or XXXX $ for around a year. After my daughter had been born on XX/XX/XXXX I continued to make the XXXX $ payments for awhile. When I called to ask Navient ( Sallie Mae at that time ) if I could lower my payments the lady on the phone said that I could only place the loan into forbearance and the XXXX $ was the absolute minimum. I believe this was in XX/XX/XXXX. I know in either XX/XX/XXXX or XX/XX/XXXX I called to ask once again if I could have my payment lowered and once again I was told I could only have the loan placed into forbearance because XXXX $ was the absolute minimum payment they would accept. I was only making about XXXX $ a month working one weekend a month as a XXXX at that time.
My Citibank credit card p ayment was due on  XXXX   XXXX ,   XXXX   which was a Sunday. My bank processed the electronic payment on Monday  XXXX   XXXX .  Citibank di d not process this payment until  XXXX   XXXX  and charged my account a late fee of {$35.00} and interest of {$39.00}.   I  called Citibank and re quested a refund of both the late fee and interest charges but they refused to refund the late fee or interest.     I have enclosed a copy of my bank statement and credit card statement.
This company, XXXX XXXX in XXXX, Illinois, have made fraudulent charges using my name and social security, in which is reporting inaccurately on my credit report. I have filed complaints to this company and the credit bureaus and they have not responded. This company is under a lawsuit against other tenants that they have committed this unlawful act to. I have attached a Class Action Suit against XXXX to prove my claim. This account is showing as a negative account on my report, it is inaccurate and it is affecting my military career, in which I can not progress until it is deleted permanently.
XXXX-18 : PHH Mortgage Services attempted to make a phone payment. in order to do this, they required I verbally record my voice agreeing to legal terms not on this company 's website - unreasonable tried to make payment on website - couldn't login. requested password reminder. after 16 minutes, received a reset. after 3 attempts it did not work and locked me out of my account. password requirements were excessive : " Your password should have 8-14 characters including at least 3 from the  following character types : number, uppercase letter, lowercase letter, special character ; no more than 2 consecutive repeating characters ; can not contain your username, first or last name ; field is case sensitive. " tried to contact technical support. website said they were open until XXXX XXXX, called at XXXX XXXX. recorded answering machine said close at XXXX call back during regular business hours. incorrect hours listed on the company 's website. 

can not make payment on time. got paid today. payment due today. I am blocked from paying this on time. I have been trying for over an hour. There is no way to make this payment after XXXX. I was at work until after XXXX. 

Terrible company to work with. This is not the first time this has happened to me. This is my second complaint for similar problems. Last time, I received a letter from the President saying to use their other website : http : //homeloans.tiaa-cref.org. That site has as many problems if not more. I was also offered the ability to make phone payments at the discounted rate of {$7.00} a payment. Crooks! 

I log into 10 websites a month to make payments. This is the only unethical company that blocks me again and again from being able to login, and then charges me for paying late.
Cavalry has played hide the evidence for far too long. They send only ONE statement ( which is NOT a full accounting from the original creditor ) without proving they own the debt ( except to say they bought XXXX in debts which is not proof they own this debt ). AND they appear to be trying to collect interest without accounting for the interest XXXX a supplying a contract that agrees to interest. I 've told them this and they have ignored me.
The first week of XXXX, we got a collection notice from Aldous and Associates, for {$220.00}. We did not know what this was for, it said an agreement with XXXX  XXXX XXXX. The only company we know of named " XXXX  '' is XXXX XXXX, which we had a month to month agreement with, which was paid for by a debit card. In contacting Aldous and Associates today, XX/XX/2018, they said it was XXXX  XXXX, and that we owed this money, even though it was month-to-month because we had not actively canceled the membership, and that if we did not pay by the end of the month they would report this to the credit agencies, which would hurt our score. My wife paid this bill even though it should not be owed.
I received a voice mail from a company claiming to be Advance America collecting on a Payday Loan I had taken out in 2013. I called the company back and they told me they had a warrant for my arrest, that they were coming to my job and my house to take me to jail. I knew it was against the law to do this, and so I called a few more times to obtain the agency 's name. One lady screamed at me stating " How dare I call her job and demand that information. '' I finally got in touch with a woman who stated the company 's name was the Law Offices of XXXX and XXXX. I looked up this name and there is no such company. The company then would not pick up the phone and their voicemail says they are XXXX county collection services '' or some nonsense like that. These people threatened me and it is n't right or lawful. Advance America states they are not in anyway affiliated with these people and that my debt had been forwarded to XXXX XXXX.
NOTICE OF PENDING LITIGATION SEEKING RELIEF & MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file.
Despite my three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated in writing that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these accounts or how they verified them?
As previously pointed out to you, Blacks Law Dictionary, 6th Edition, 1990, defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party.
What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury.
Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted within10 days.
A copy of this letter as well as copies of the three previously written letters sent to you by certified mail with proof of delivery will also become part of a formal complaint to the Consumer Financial Protection Bureau. They will also be submitted as evidence in pending litigation provided you fail to comply with this offer of settlement. The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
In order to avoid legal action I demand that you delete all of the unverified accounts listed below immediately & provide me with a copy of an updated and corrected credit report showing that these items have been deleted.
Continuous calls, advised amount owed is incorrect, rep then said that was n't true, I 've been disputing debt and I will pay or they will continue to report inaccurate info on my credit. Rep very rude, I read script to not call then received call from another number of XXXX
I have had a B. P. gas card for over ten years now, never paid late, my interest raye as of XX/XX/XXXX was 21.49 % now since syncrony bank has taken card over, rate has increased to 27.24 % an increase of 5.75 % or ruffly 26 %, I feel as a loyal customer this is unfair, and would like to know on what do they base % on?