WillisBack/dataset-financial-user-claim huggingface dataset:
I have XXXX XXXX account and i have XXXX XXXX   card. It is advertising 5 % cash back when I'm placing order yet i cant see my cashback points and not XXXX nor XXXX  representative were able to fix the issue after 4 hours phone conversation and call forwarding back and forth to XXXX and syncony 4 times. 

Even after the phone conversation, today i am placing order with XXXX using store credit card and its displaying 5 % cash back, which I do not receive. 

I have placed approximately XXXX  worth of orders lately and no cashback as was advertised. 

XXXX XXXX account email : XXXX XX/XX/2018
Unannounced, they came into our place of business and started taking pictures. We are not a public-facing company. We are a private call center. They startled my employees. Would n't leave when asked. One girl went home crying. We threatened to call police and they said they had the right to be here. We started calling police and they left real fast.
The Credit Reporting Agencies hold consumers hostage and decide their credit fate at their whim. Their undisclosed algorithms calculate a score that consumers do not have access to unless they apply for a loan or " buy '' the score from the agency ( for a monthly fee of {$29.00} ). When you do buy a score from XXXX of these companies, it 's not guaranteed to be the same score a creditor would get if pulled on the same day. That is because each reporting agency has multiple scoring systems and there is no certainty as to which XXXX the creditor is pulling. The " key factors affecting your credit score '' are even more of a joke. They do not provide any real insight into your score and are not consistently supported by what is in your report. I recent requested by XXXX report from XXXX. Despite no delinquencies, charges offs, or other negative information showing on the report ( not XXXX derogatory item ), the top factor affecting my score was " serious delinquency. '' The credit score tracking provided by XXXX of my credit cards ( presumably from Experian ) is no where near close to the credit score disclosed to me on a risk based pricing notice from a creditor from the same period. The credit reporting agencies have a monopoly over individual 's credit access and they are not held accountable nor is there any transparency. When is the CFPB going to regulate this industry and hold these companies accountable? How many studies must you conduct regarding the abuse before you take action? FCRA does not provide any consumer protection from these for-profit agencies.
I returned my lease vehicle in, and purchased a new vehicle. At the time my vehicle was turned in, it was accepted and I had no further liability for any charges associated to the lease. 
Five months later I recieved my first letter dated XX/XX/XXXX stating I have an account settlement amount due of {$2600.00}. I disputed all and any charges relating to the leased vehicle, stating it was turned in with NO further liability, and requested my deposit back of {$700.00}, I stated this in 3 corresponding letters also stating I would contact the FTC for violation of my consumer rights and perpetrating a scam. 
My most recent letter I recieved, dated XX/XX/XXXX, said I now have a total amount due of {$1300.00}, and I have 10 days until they notify the credit bureaus! 
I've now sent 4 letters stating I have NO liability to any charges associated to the lease in question, and not to contact me, and that I will be filling a complaint, with FTC.
I took out a home loan and signed a note in 2004 with XXXX XXXX for $ XXXX, They filed bankruptcy soon after ( RESCAP ). The Bankruptcy Trustee holds the note and claims it was never transferred nor sold. Since then recently and alleged XXXX XXXX XXXX claims to be the TRUSTEE representing a non existent alleged LSF9 MASTER TRUST out of the State of Delaware which has not proven it owns my note, nor has purchased my note for any consideration, nor has the original properly endorsed note. They are not the Beneficiary and have no right to transfer any Servicing rights to any other company, including an alleged Caliber Hoam Loans. This new company, Caliber Home Loans out of the State of Texas, has no standing to service my loan since they do not have any evidence that XXXX XXXX XXXX represents the beneficiary of my loan, and therefore can not act on behalf of an alleged LSF9 Trust incorporated in the State of Delaware, which has not shown to be the beneficiary either, nor paid any consideration for my note. It does not have my original properly endorsed note. This is all fraud and they have failed to include me in the class action as requested by my attorneys the XXXX XXXX XXXX which is properly authorized to file all the necessary complaints including with the FBI, Attorney General, etc. to get to the bottom of this fraud.
I have no knowledge of this debt or the creditor. It is reporting as open on to the credit bureaus and is negatively affecting my credit profile.
In XX/XX/2016, I was induced to open a Citibank CitiGold Checking account with a bonus offer. The bonus offered XXXX AAdvantage points in exchange for opening a CitiGold account, making {$1000.00} in debit card purchases, and scheduling two bill payments from the newly opened account. Over the past month, I 've reached out to Citibank trying to obtain confirmation of when my AAdvantage points would reach my account but they 're either blatantly ignored me or given me a broad explanation of why I may be denied the bonus. My attached document provides a timestamped breakdown of my inquiries with them.
XXXX has sent this account to several different debt collectors. I did have XXXX at one point but the service was so bad and the technicians had to come out 6 times. The service was never corrected. Enhanced never sent me a validation request letter.
I 'm having trouble with Equifax. They showed my credit report on XXXX XXXX at almost XXXX one week and then in one week I checked it again and it showed XXXX. Anyway it dropped XXXX points without any reason in one week. I pulled a credit report and nothing had changed since I last checked it. I tried to get Equifax to tell me what happened or if something was wrong but all I got was there is no hard inquiries on your report and that I would have to purchase a copy of my credit score. I just ca n't comprehend why XXXX XXXX and XXXX has my score at XXXX but Equifax has it much lower. I do n't know if Equifax is trying to force me into purchasing a credit score or what!
ftc violations item unknown XXXX, XXXX  XXXX XXXX, XXXX, XXXX inquires that i'm not aware of
Good evening. 

My Fiance and I have been mortgage holder to a loan being services by Seterus , inc . Through the course their servicing the loan we have experienced instances where there were over payments to the account through payments into escrow, when we inquired about an analysis of the file, Seterus would either stall or not call us back. 

We were on a plan to refinance our mortgage, one month there was an oversight and the payment was not made on the due date. When we logged into the system to make the months payment we realized it and made the double payment. Seterus did not contact us by call or email to let us know that the payment was not received. When we pressed on about the amortization of the loan, they sent us a check for XXXX with no letter explaining why there was so much money in the account. 

Our position is that seterus prays on the loan holders and works it so that refinancing is not possible due to the late payments, this is predatory and a unfair practice. If there is an overage, why did they report us to the credit bureaus. 

We filed a complaint with the better business bureau and the Florida State attorney. 

Please help us.
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. 

XXXX  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. 

XXXX  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 XXXX, 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 XXXX  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. 

XXXX  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.
The debt collector is Southwest Credit Systems. The amount is {$320.00}. It was posted on my credit report on XX/XX/2018. It supposedly for XXXX equipment that returned. I have contacted XXXX on numerous occasions and have had no help in determining the cause of this incorrect credit posting. I returned the equipment approximately 5 years ago. I do not have a receipt for the returned equipment, but I am quite sure XXXX  would be able to resolve this by checking their records and serial numbers of the equipment.
I have been trying to lease a new apartment and while going my report I discovered I had some Fraudulent addresses on my credit report and inaccurate information as well. My Name is XXXX XXXX XXXX please remove any variations of my name. My current employer is XXXX XXXX XXXX XXXX. Please remove all others. The following number are showing on my XXXX XXXX report they are not mine please delete them ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Please remove the following addresses they are not accurate : XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX XXXX, OH XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
I have been spending years trying to clear up identity theft and experian will not send proof nor the collection company of a judgment I am unaware of and XXXX collection accounts they simply say " account meets federal guidelines '' Experian is violating the FCRA for not disclosing reasons why they will not remove. Accounts that have been paid by the state throught the Victums fund for example.
I bought my truck lease out with GM Financial on XX/XX/2018. They gave me a payoff, I sent them a check and they sent me my title. They sent me a letter acknowledging my lease is paid in full. They are now billing me {$210.00} for a tax that has nothing to do with me. I have called them several times to get this resolved. They have admitted to the error and promised fix it. This has not been done, now not only has the bill gone to {$420.00} ( dated XX/XX/2018 ). This is effecting my credit from all three agencies. I am unable to get credit due to this issue. The people in customer support promised this would never get to a reporting agency.
Equifax said I have nothing on my file. Even asked me if I have credit. XXXX years old have never had a problem getting credit pulled up. They told me to send identification documents which I did they said would take 48 hours still have no file. They seem to not be able to tell me why I have nothing in my file. Told me to resend documents. They have no answers for me why I dont have any record of credit and what will happen when I give them the identity documents.
I have tried numerous times to work with these people. I was making payments of almost 500 dollars a month. With 2 car payments and a mortgage that is impossible, we have been struggling to live, Not to mention XXXX children. They deferred all my payments for the 1st 3-4 years, just talking in circles. Not telling me the terrible effects of deferring payments. It 's honestly a shame and a sham, basically I had XXXX in student loans that doubled to XXXX because of Navient. I have paid down around XXXX. I would be willing to pay another XXXX the actual amount that I owed instead of the deferred amount that Navient created. Not to mention just recently I applied for the income driven repayment, which I was approved for. Then received an email saying I was denied. Was a total kick in the stomach.
On XX/XX/XXXX, I got a call at my workplace from XXXX at XXXX XXXX XXXX about an old debt that I co-signed with my father ( deceased ) on his XXXX card about 12 years ago. He used the card to purchase a TV and I co-signed. I never got any written notice about this debt or attempt to collect the debt. I recall that it was paid in full. They said the debt was {$450.00} but they threatened to escalate it to {$4000.00} with legal fees and court costs. I got a second call from the same person on Friday XX/XX/2018 again at my workplace for the same thing. She also threatened to send someone to my workplace to serve me. A third call on XX/XX/XXXX was from XXXX XXXX with XXXX also at my workplace. The phone # they gave me was XXXX and the account # was XXXX. The method of payment they wanted was for me to use XXXX or XXXX with email receipt. I did not agree to that. I asked for a mailing address and he did not give me that information. I did let them know that I disputed this debt and I called the XXXX card company and found out that account was closed a long time ago. I have not heard back since XX/XX/XXXX. I have contacted my Legal Aid office and was advised to file this complaint. I do not believe this is a legitimate debt collection firm since I never received any written notification from them.
My mother had a reverse mortgage on the house. When she passed away I tried to communicate with the reverse mortgage company but they changed and would not communicate with me. I was denied the 90 days and they started foreclosure on the house. 
My mother passed away on XX/XX/2017. I tried communicating with the company but A lawyer needed to get involved.
An merchant account was created in my business ' name using my company 's EIN number. This account was created by someone who was not an officer of the business and Chase followed NO due diligence in making sure the account being opened was actually legitimate. Over a week before the account was closed, they allowed over {$7000.00} in charges ( that I am unaware to which bank account they went, since it was not mine ) and are claiming I will be liable for any charges made under my business name. Moreover, they are absolutely REFUSING to disclose any information to me without jumping through numerous hoops and filling out paperwork. They wo n't even give me such simple information such as WHO Opened this merchant account, because they could not have been an officer of the company. I 've spent several days waiting on calls back and spoke with several representatives all of whom acknowledge the fact that my identity and business ' entity 's information may have been compromised but they refuse to help me in any way or disclose the information I require to further investigate or take action against the perpetrators. I demand Chase disclose all pertinent information regarding this case ASAP.
There was a background search requested by XXXX XXXX XXXX, to First Advantage XXXX XXXX XXXX. This investigation came back with a criminal charge on it that is not mine. The only thing matching is the dob with myself and the person found. Due to this criminal remark on my record I am unable to attend certain events at my daughters school.
Our original mortgage was sold to Lakeview Loan Servicing , LLC ~XX/XX/XXXX. On XX/XX/XXXX Lakeview sent a check from our prepaid escrow account to our local tax collector for {$2500.00}, which was an incorrect amount, and the tax collector sent it back to Lakeview on XX/XX/XXXX and to date Lakeview has failed to pay our XX/XX/XXXX taxes. The first we were made aware of this failure was XX/XX/XXXX when we received a letter from XXXX County Tax bureau informing us our taxes had not been paid. Since that date we have made repeated phone calls to Lakeview with no results. Lakeview has admitted it's their mistake ; they have acknowledged to us they have our XX/XX/XXXX tax money and that they are responsible for all late fees which continue to accrue the XX/XX/XXXX of every month but despite our numerous phone calls, 2-letters from us and 1-from our attorney, they have still not dispersed our money they received last year to correct this problem. We have had customer service reps and supervisors " promise to call us back '' and they have never called us. We feel this company is a fraud, incompetent and essentially they have stolen our escrow tax money. XXXX county has also advised if Lakeview does not pay our XX/XX/XXXX taxes, our property will be added to the tax sale list. Please help us and stop this incompetent company!
I have had a 30 year fixed mortgage for about 7 or 8 years ; the mortgage was serviced and or owned by XXXX XXXX XXXX simple principal and interest payment. On or about XXXX or XXXX of XXXX Nationstar Mortgage from Texas purchased my mortgage and then it began. The very first payment to Nationstar, I submitted my mortgage payment of {$1200.00} and Nationstar unilaterally decided to take from my mortgage payment {$62.00} for an escrow account, THERE ARE NO PROVISIONS IN MY MORTGAGE TO DO SO. So the writing campaign began - after several months they stopped tatking {$62.00} from from my regular payment but did NOT credit my account, therefore, from this time forward because of this my regular payments became late. I send to them each and every month my payment by Certified Mail and I have NEVER been late and/or missed any payments. I have in my possession copies of all my cancelled checks back to XXXX XXXX. Next fee to appear on my statement is a Property Inspection fee of {$60.00} - I live in Pennsylvania Nationstar is in Texas - when I inquired they wanted to make sure I was taking care of my hone! Next they " force '' me to purchase Flood Insurance for the year XXXX and XXXX it must be {$250000.00} - Flood Insurance is NOT in my mortgage agreement, I only owe {$140000.00} plus the courts have ruled you can not do so - I am a member of this Class Action ; did not matter I personally purchased Flood insurance approximately {$500.00} for each year. I have written to them by Certified Mail to Cease and Desist, delete all the fees, including the late charges, and to send me an " Amortized Statement '' of my mortgage account showing a straight principal and interest payment - to date they have refused. Requested an appeal procedure, such as arbitration, no response, no appeal procedure and no arbitration ; they just keep sending from letters, each time from a different person. I want to refiance my home because my interest rateis 8.9 % and I know it is NOT being caculated correctly ; with this on my credit record it is hopeless! Bacically, Nationstar " Unilaerally '' ignored the sign Mortgage Agreement and simple forced placed their " own '' rules.
Have tried to fix the following problems with the Credit Agencies and sent letters to each company and spoke to them on the phone.
1. XXXX was paid in settlement XX/XX/XXXX Balance ( XXXX ) as of XX/XX/XXXX still being listed in collections, it should have been moved to an account with negative remarks and they are refusing to do so. ( All Three Agencies ) ( XXXX XXXX. ) Want they fined the {$1000.00} and removed.
2. XXXX XXXX XXXX- Paid-In-Full XX/XX/XXXX {$1500.00} still in collections area XXXX, XXXX , Equifax listing as negative account status of Collection/write-off, Fraud. Paid-In-Full, Unjustly harming my credit score. Want they fined the {$1000.00} and removed. ( XXXX XXXX. ) 3. XXXX XXXX - Paid in settlement XX/XX/XXXX {$160.00} Account listed still as Collections/ write-off, There is no collections when account was paid in settlement. I agree that the status can be paid/write-off or paid/closed and the account activity or comments field be utilized to state that the account was a collections/ write-off paid in settlement leaving balance {$150.00}.
" I have return receipt of letter sent to all listed above all claim they have done their part and blame credit agencies. I have even offered to pay the remaining written-off amount if they would take care of these errors all have said no. '' XXXX told me to pay them and XXXX would remove collection effort, lie, I have email from XXXX telling they wo n't remove it from collection it a trademark!
XXXX XXXX is contacting me regarding a debt they are claiming I owe, date of service starting XX/XX/2014. I replied to them that I was stationed in XXXX XXXX, AL until XX/XX/2014 and was not in the same state that the service was rendered. They are demanding my social security number, a police report identifying a suspect, and a utility bill proving my location. 
I advised that the XXXX does not provide utility bills when you are stationed in the barracks. I have my XXXX proving I was in XXXX XXXX AL until XX/XX/2014 and I have provided my bank statements showing that I was using the XXXX XXXX until early XX/XX/2014, proving that I could not have been in the same state they claim the services were opened. They are claiming the debt has been " verified '' - they have sent me paperwork with the wrong address, the wrong telephone number, and an illegible signature they claim is mine. I have provided multiple documents proving that my address had changed and that I was nowhere near the service location at that time. I have disputed this debt with all three credit reporting agencies and they have removed this debt from my account. However XXXX XXXX continues to harass me regarding this debt and will not respond to my questions regarding confirming or denying the debt.
XXXX. 
ACCOUNT # XXXX THIS IS A INVALD COLLECTION ACCOUNT. THEY NEVER NOTIFIED ME OF THIS ACCOUNT PRIOR. THEY HAVE NOT PROVIDED PROOF THIS ACCOUNT BELONGS TO ME, AS WAS REQUESTED IN THE CERTIFIED LETTER SENT TO BOTH XXXX and Experian. THIS WAS A IDENTITY THEFT CASE. PLEASE REMOVE THE COLLECTION FROM MY REPORT.