WillisBack/dataset-financial-user-claim huggingface dataset:
I opened an interesting checking account with Citibank at their XXXX XXXX, XXXX branch on XXXX XXXX, XXXX through a referral. At that time there was a promotion of {$400.00} cash bonus for new customer and {$100.00} cash bonus to the referrer. The first Citibank agent I spoke to said we would receive the cash bonus by XXXX/XXXX/XXXX. The second agent I spoke to said we would receive the cash bonus by XXXX/XXXX/XXXX. The third agent I spoke to said he does not know why I have n't received the money and opened an investigation/case on XXXX/XXXX/XXXX. After numerous encounter with Citibank representatives, I was left speechless and annoyed. Right now I still have n't received the money and felt cheated by Citibank. I guess Citibank only cares about profits and number of accounts that they can lure customers to open.
In XX/XX/2018, Chase Cardmember services closed my credit card account, which I've had for more than 5 years and have always been in good standing with with no delinquencies. The reason they gave verbally and in writing was " only merchandise credits have been used to satisfy the balance on your account for more than 2 months ''. 

In this day and age of e-commerce where you may need to purchase a lot of items to keep one ( and then need to return the rest ), I believe this is an unfair practice. I also question whether it is legal to deny me / rescind credit for solely reason. I also believe that my credit score may be negatively impacted as well ( ratio of outstanding balance to available credit ).
i have disputed this item XXXX item XXXX reporting on my transunion credit report, they sent me a response saying the item was verified, i escalated a complaint with XXXX to the collection agency resurgent capital services who is servicing the account with XXXX, after the request the company has agreed to remove the item from credit report, i have attached the copy of the letter received via XXXX, i want transunion to delete this negative information from my credit file immediately to enable me pursue my financial goals
My original loan servicer ( XXXX ) closed, they didn't notify me of the closure, I was still paying on my loans through them. I filed taxes in XXXX and my taxes were offset, this is when I found out about XXXX closure. XXXX is reporting me 18 payments late, 'current status ' as 120+ days past due. 

XX/XX/XXXX they reported account as " okay '' XX/XX/XXXX they reported account as " 90 days past due '' I have sent disputes, tried calling, tried everything. This is stopping me from getting a home. can ANYONE help?
Navient is claiming to be XXXX XXXX, which doesn't exist. I have previously proven this, and via the CFPB process, I have provided telephone call recordings and revealed that Navient filled out two separate - both false - promissory notes. They then attached these via the CFPB process as fillable forms. So, their fraud is extremely evident and irrefutable. Now, Navient is claiming that I owe three different loans, which I don't. They have created this as a new listing on my credit report, and they took advantage of the California Wildfires by placing the listing when my fraud alert dropped off due to being displaced by the fires. I want Navient to stop  all forms of harassment and fraud. I have never borrowed from them, do not have any contracts with them, do not have any student loans, and don't appreciate that the government isn't doing anything to put these people in jail. I have asked for debt validation and verification multiple times. I have also sent hundreds of Cease and Desists. They will not stop. I should never be contacted by Navient. I have had no business with them.
I settled an account with XXXX in 2015. I have disputed it 3 times with Experian and they continue to leave the balance on the account. I have attached copies of both the check and my bank statement showing the settlement of {$810.00} last XXXX. This is a violation of my rights under federal law
These people constantly call my phone asking for someone else. I have told them on numerous occasions that I did not know the person and to stop calling my phone yet they have continued to harass me. The most recent phone call was today, XX/XX/2018. They keep telling me that they will remove my phone number but that is obviously a lie since I received another phone call today ( XX/XX/2018 ). They say just enough to get me off the phone after sensing and hearing the anger in my voice but do absolutely nothing to remedy the situation by removing my telephone number. Based on what I have experienced, it would appear to me that their collection practices are borderline illegal seeing as how they keep calling me after being told multiple times to stop. If they do not stop harassing me, I am seeking legal remedies.
After reviewing my credit reports, I noticed that there are several credit inquiries that I did not authorize. I have requested them to be removed several times now by certified letter asking them to provide me proof that they have permissible purpose to run my credit. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. The inquiries are still on my files and have not received any resolution. Their responses were inquiries are a factual record of file access, please call the creditor directly. I did not give anyone consent to use my information. I sent them a certified letter on three different occasions and they are not complying with the FCRA. 

XXXX inquiries are : XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX inquiries are : XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Experian inquiries are : XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
I am filing a complaint against Santander Consumer USA due to these facts they report False information to the credit Bureau. First of all this car was obtained on XXXX XXXX 2014 with the payments being XXXX for 72 months with the payment due the XXXX of every month. And the first payment commencing on XXXX XXXX per XXXX request because they were having issues getting me set up on XXXX deposit and that was paid. on time. there was another payment that they received on the first but they did not cash until XX/XX/XXXX. They Reported that they were not paid XXXX From ABNB they received a check for XXXX which was false information I will attach copy of the check for the amount of XXXX that Santander Consumer USA cashed at XXXX XXXX Bank in Texas. Then they stated I made a payment in the amount of XXXX and it was a credit card charge back which was incorrect I sent them a cashiers check in the amount of XXXX and they cashed it XXXX XXXX. I will also send a copy of that check. for proof of that. There are XXXX credit bureaus and they have gave all XXXX conflicting information starting with XXXX they have it on my report as a repossession charge off for the amount of XXXX and stated that I never made a payment and I got the car XXXX 2014 and that it was taken in XX/XX/XXXX as a repossession. then they have it on my XXXX credit report that it was open XXXX XXXX, 2014 and they I only made 1 payment so it was a XXXX charge off paid in full. I will attach the title to my vehicle letting you know its not a repossession or a charge off. So then we did the figuring to this car loan with a high balance of XXXX and we subtracted the payoff amount that was quoted to XXXX on XXXX XXXX 2014 was XXXX and that brought the balance to {$440.00} then we subtracted the XXXX that they cashed XXXX XXXX which bought the balance to {$52.00} but they said I had and overage XXXX which I should have never received the overage because my balance was {$52.00} then But I was unaware of that. So If I owe Santander Consumer USA anything I owe them {$52.00} back because that check for XXXX was incorrect. I will attach documents to all information that I am stating. XXXX XXXX bought this car before XXXX XXXX because that would have been my next payment of XXXX but the Bank bought my car so they got the payout quote.
TransUnion deleted all inquiries prior to XXXX 2016. They reinserted all the inquiries a week later without proper notification being sent. Since then I have contacted TransUnion via telephone multiple times, I have also written letters that were sent via certified mail. They have been uncooperative in correcting this matter. All inquiries prior to XXXX 2016 needs to be deleted and my credit report needs to updated to reflect the most accurate information. Please help me to ensure that TransUnion follows the law. Thank you for your assistance.
I am disputing XXXX reporting negatively on my Experian credit report. I asked Experian to investigate and they replied that they verified the accuracy of XXXX claim. Experian states that if I have additional relevant information that was not present when previously disputed, they would re-investigate. I now have additional relevant information ( attached ). 
If XXXX is claiming I have a debt, they have not done so clearly, and I have no idea from when the alleged debt originates. I have attached XXXX letters sent to me from XXXX different companies regarding the alleged debt XXXX. While XXXX may have purchased a debt in 2011, I have yet to see where this debt came from, and Experian has yet to send me the evidence either, which they said they would. If XXXX purchased an alleged debt, their tactics of using these XXXX companies is confusing and shows their misleading approach. 
I argue that the use of their confusing debt collection tactics as shown here and Experian not sending me the evidence that shows the validity of the original debt, gives me no reason to believe that this purported debt is mine. In this dispute I show that this is yet another trick that XXXX is playing that is not allowing me, the consumer, to clearly and plainly manage my finances.
In 2014, I applied for a XXXX credit card to purchase engagement rings. I was under the impression that I was receiving credit through XXXX. I was declined for XXXX and they sent it to Monterey Financial. I was making payments to Monterey Fin until I fell on hard times, lost my job, and my child died last year. The agent was rude and disrespectful. She called me after I made online disputes for my credit report. She told me on last Saturday, " Pawn the rings and get the money. '' The prices went from {$1300.00} to {$1600.00} to pay off the account but my report says I owe {$1100.00}.
My credit report contain medical bills that 's is not mine did n't see a XXXX doctor i have n't had any XXXX trouble.there 's is also XXXX doctor i have n't had an XXXX since 2003
On or around XXXX XXXX, XXXX I received an alert ( XXXX ) from XXXX in the form of account change. Log on to each bureau and notice it was multiple late payments appearing that was n't the prior to XXXX XXXX in which I only had XXXX 30 day late from SantanderXX/XX/XXXX. Previous I had XXXX 30 day late payments of XXXX and XXXX, which I had received XXXX 2 month deferrments XX/XX/XXXX and XX/XX/XXXX XXXX. I disputed the XXXX XXXX late and it was removed, later I disputed the XXXX late payment in XXXX of XXXX and received a late for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as a result of disputed a XXXX of XXXX. I do have documents if needed.
I have an auto loan through consumer portfolio services. In XXXX XXXX, my husband lost his job and we are no longer able to afford this loan. CPS offered to defer some auto loan payments and I declined. I advised a voluntary surrender was best for my situation. I received a notice in the mail yesterday, CPS processed a due date change moving my payment out 30 days and extending the loan even after I advised I ddi not want this to happen. It appears in XXXX CPS was fined for unilaterally modifying contracts and other illegal business practices resulting in them paying the FTC XXXX XXXX in fines and penalties. I believe the practice I described above is continued unilateral modification of contracts without my consent. On XXXX/XXXX/XXXX, I called CPS and spoke directly with a man named XXXX XXXX at XXXX ext XXXX or direct number of XXXX who advised he would forward my file for voluntary surrender. I have attempted to contact this company regarding the " due date change '' they claim they processed on this loan to no avail.
The dealer who handled my documents did not properly transfer the title, leading the vehicle to get repossessed. He misused my Identity ( ID fraud ) In the interim, he prolonged the time in correcting his mistake, resulting in the car to be sold. I then contacted the initial financing company ( Westlake ) explained the situation and provided them with documentation. Because I was left without a vehicle after financing it, I went to the Dept of Motor vehicle and put in a complaint. Upon the DMV 's instigation, the dealer was fined for faulty practices. I have contacted the collection company in regards to this matter as well as Westlake Financial to properly report on my credit report. I gave Westlake the police report, showing the vehicle was repossessed due to the title not matching the plates and then sold and I had no longer possess the vehicle. XXXX stated they will not collect the balance on this account because I provided proof of the fraud that was committed. However, they continued to report this fraudulent debt on my report.
Nelnet contacted me concerning my student loan and their representative said I needed to consolidate the loan. I was concerned, due to financial losses I was counting on loan forgiveness. I was paying the loan on a regular basis and was under an income repayment plan. I was told the billing would resume in two months. This consolidation occurred for the months of XX/XX/XXXX and XXXX of XXXX. I was deeply concerned when Nelnet wanted to do this because I did not want any lapse in my repayment play. I did not ask for a consolidation. The loans had previously been consolidated early on. The representative reassured me that was not the case and my payment history would be continuous. Now after applying for loan forgiveness, I am informed I was placed on administrative forbearance by Nelnet for those two months so my record was interrupted. I specifically said that I did not want any lapse in my payment schedule. Now only one of the loans is showing as receiving continuous payments after this consolidation and on the one loan that is showing a recored, there are only 40 months of continuous payments recorded instead of over nine years. I was lied to by XXXX. I was afraid of their business dealings due to all of the recent bad publicity and now I understand why. I won't describe my situation but I have taught college level classes to disadvantaged and non-traditional students for over twenty years. However, I had two forbearances due to financial concerns but worked diligently to maintain a continuous payment record over the last nine years. This is incredibly distressing. I can't retire and am suffering from XXXX that may limit my future employment. I do not know what to do at this point.
Experian is reporting inaccurate addresses, names, and SSN variation for my account. 

Between XX/XX/XXXX and XX/XX/XXXX. I have called Experian several times. 

1. On XX/XX/XXXX, I sent a handwritten letter to Experian ( certified mail, receipt attached ) asking them to remove incorrect addresses. 

2. On XX/XX/XXXX, I sent another handwritten letter to Experian ( certified mail, receipt attached ) asking them to remove incorrect addresses. 

3. On XX/XX/XXXX, I sent a third handwritten letter to Experian ( certified mail, receipt attached ) asking them to remove incorrect addresses. 

4. On XX/XX/XXXX, I sent a typed letter to Experian ( certified mail, receipt attached ) asking them to remove incorrect addresses. 

I have sent 3 handwritten letters and one type notarized letter ( all certified mail ) disputing incorrect addresses on my credit report and Experian has failed to delete the addresses.
Beginning XX/XX/XXXX until XX/XX/XXXX I acquired approximately 7 different loans from Nelnet student loan service. I was faced some difficult times during years XX/XX/XXXX-XX/XX/XXXX, at this time I was placed in a loan repayment program where I was paying XXXX XXXX a month for 1 year. Once the year was completed all the loans with Nelnet were purchased by XXXX  my current loan servicer and are now reporting current and up to date. I have disputed twice before with all credit bureaus asking for a deletion or even a simple status adjustment from Nelnet. The credit bureaus disputed but results came back saying to contact Nelnet. I reached out to nelnet via phone and they refused to assist me and sent me back to the credit bureaus. I wrote a good will letter and sent it in certified mail to Nelnet asking please to provide a status adjustment to atleast current since they wont delete the information off my report. The information being reported is duplicated because the same exact information is being report accurately by XXXX.

Loans : Opened XX/XX/XXXX {$3500.00} and {$6000.00} Opened XX/XX/XXXXXXXX  Opened XX/XX/XXXX XXXX Opened XX/XX/XXXX XXXX  Opened XX/XX/XXXX. All loans listed above were consolidated by department of education and is now reporting XXXX in total and current.
I have an evict ion from   XXXX   that is coming up on my record and it is preventing me from renting an apartment. This eviction was ordered by a judge to be dismissed and sealed from my record in    XXXX   XXXX   XXXX   . Its still coming up on my record and it is preventing me from renting. I am currently   XXXX   with my   XXXX   kids because of this.
Nelnet is putting a student loan on my XXXX credit report that does not belong to me. This long must belong to a different person. Please verify social security number for this loan. I 've been trying to get this removed from my credit report and Nelnet, nor XXXX will not remove this loan that does not belong to me. They have also been sending me correspondence. My Social Security number is XXXX.
There were suspicious hard inquiries about my credit that I did not authorize. It happened XXXX XXXX and XXXX. I was at work on those dates but I received a notification that there were changes on my credit report thats why I log in to my account. I saw that there were atleast 7 hard inquiries from different companies that I did not authorize. That is unlawful and that is illegal viewing of my finances. I never gave authority to any body to view my credit, especially without my knowledge. It was for car loan credit inquiries. I went to XXXX car dealership in XXXX and spoke to the manager. I told the manager that they run my credit without my permission and I really wan na complain about it. I told them that its a serious matter for me and I felt very threatened and furious of what happened. It could be identity theft and I was so sleepless for two nights because of that. I was told by the manager that somebody represented me on my behalf and told them that shes my nom. They ran my credit without my consent for several times without even double checking and asking for my ID. I really felt that these companies violated my privacy and rights. I am so afraid and XXXX off right now at the same time and I wan na take this in legal action.
XXXX XXXX  / XXXX / Walmart / XXXX XX/XX/2017 Attempting to collect a Charge-off account NOT in my name. 
I requested them to verify the names on the account which is NOT my name. but they still have it on my credit report. 
the amount is {$1400.00} for the fake XXXX account. 
the amount is {$1800.00} for the fake Walmart account.
Citibank offers a yearly bonus of XXXX Elite Qualifying Miles on AAdvantage if you charge and pay more than {$40000.00} in a given year. In 2014 I exceeded that amount by almost 50 % yet they refuse to honor that bonus offer which, by the way, is still shown on their web site.
Bank of America started charging me monthly fees for a money market savings which used to be called keep the chang savings. Bank would transfer the change from checking as a savings method. They change the account set up to this type of account and then requiring their customers to keep a minimal balance. I called to get the fees waived for the last two months when they started charging but bank wouldnt waive it. I closed the account since I have other bank accounts with the bank and dont want to incur fees. I had this account for a very long time and Ive been with bank for many years. They could of waive the fees as a courtesy since Im closing the account and they wont have to maintain this account anymore. Total fees {$24.00} for 2 months since they started. They couldve just transfer the balance to my remaining accounts and notify me they will be closing account instead of charging me maintenance fees.
I received a loan from XXXX XXXX XXXX. I was in an accident where my car was totaled by a drunk driver. the total amount owed on my loan was {$11000.00} ( i have submitted my loan paperwork from XXXX XXXX XXXX ). XXXX paid {$9000.00}, GAP insurance paid {$1600.00}. The taxes remaining on my loan was {$570.00}. XXXX XXXX XXXX is reporting that I owe {$2900.00}. The only amount I owe are the taxing remaining of {$570.00}. 

loan:XXXX ( PAID ) Geico:XXXX ( PAID ) GAP:XXXX ( PAID ) Taxes:XXXX ( UNPAID )
I sent a certified letter to transunion over 45 days ago requesting verification of late payments and collection accounts. I informed them to send me documents that they have in their file as of date to verify the accuracy. Under the fair reporting act ,15 U.S.C 1681g, I have the right to demand all documents retained in their file. NO copies were ever sent. This is a violation of Section 611 ( a ) ( 5 ) ( A ) ( i ). They did not mail evidence of the accuracy of my accounts on file within the 30 days. Unde the FCRA 15 U.S.C. 1681i all unverified accounts must be deleted promptly. No copies of the verified information on file was sent to me in the 45 day period. Thats a violation of my rights. Just mailing a letter stating verified is not enough. I needed documents mailed to me from the files of all the late accounts or collection accounts. None were ever sent. Now I am demanding all account that are negative or in collections removed due to no verification documentation was mailed to me. 
XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX. 
No documentation was mailed to me that was in your file. The 45 day period has expired and by law these accounts must be deleted. Just sending a letter stating verified is not enough. I requested documentation. I did not received a single documentation. This is a violation of my rights, I have consulted with an attorney. If documents ( proof of account being late, letters you have from creditor, proof that these are indeed my account, and balance owed on all accounts ) you have in your file are not mailed to me immediately, I will have to persue further action.
I fell on hard times when unauthorized charges were debited from my checking account. In XXXX 2015, I started with working with a debt Management company XXXX in order to contact my creditors and make settlements/payment arrangements. XXXX contacted XXXX XXXX many times and was not successful until the debt was sold to XXXX XXXX XXXX. XXXX XXXX forced me to work with this company and I now have multiple negative reports on my credit report for these XXXX credit cards- XXXX and XXXX. I want these negative reports removed from my credit report - all three reporting agencies.