WillisBack/dataset-financial-user-claim huggingface dataset:
I am a XXXX required to use my Government XXXX Card for travel. I was erroneously charged {$130.00} on XX/XX/XXXX by XXXX XXXX XXXX which provides hotel services on XXXX XXXX. I have stayed at their facility in the past, but I was in XXXX on orders on XX/XX/XXXX and had no plans or travel to XXXX XXXX. In XX/XX/XXXX, I went on official travel and paid my bill including the erroneous {$130.00}. When I noticed the erroneous charge I called Citibank to have it reversed. I saw a credit on bill and waited for a check. When I followed up I was told that my credit was reversed because I did not submit a form. They said they sent me a letter telling me about the form. I never received the letter. While I was on the phone they said they would email me the form, the form never arrived. Then the representative directed me to a website where I was able to download the form. I submitted it and my claim was denied because too much time had passed. I called customer service who referred me to the appeals department where I explained that my claim had been opened for months. Eventually she credited me the {$130.00} and that money was direct deposited to my bank. On XX/XX/XXXX I received a bill from Citibank saying I now owed them {$130.00}!!! They said they reversed my credit because they have been able to get a hold of XXXX XXXX XXXX. They said it was my responsibility to get the erroneous charge reversed! I did not make the charge. I am being scammed.
Equifax has several erroneous items listed on my credit report and I'm convinced it's because they have me mixed up with someone named " XXXX XXXX. '' My name is XXXX XXXX - always has been. I've never had any other name. 

When I try to login to their online disputes process, most of the security questions do not apply to me. I'm asked about accounts / monthly payments that I do not have, which again, further indicates that Equifax has me mixed up with someone with a similar name.
XX/XX/XXXX Account Number XXXX This is the fourth or fifth time complaining about my mortgage company, Roundpoint. I am currently attempting to secure a successful short sale of my property and this is the second time that i have secured buyers threaten to walk away because Roundpoint is dragging their feet with timely processing. My attorney and listing agent has worked tirelessly to get this short sale completed. Roundpoint continuously allows time to transpire letting timely delivered correspondence to expire and my having to submit documents over and over again. I attempted a short sale in XX/XX/XXXX that fell through because of this same issue. I then attempted a loss mitigation that was forever attempting to get completed and was only done after i submitted a complaint and then it was more than my original mortgage payment. Now again attempting short sale because of illness and loss of work that started on XX/XX/XXXX. As of XX/XX/XXXX the 90 day contingency has expired and the buyers are  now threatening to pull out of the deal because of the lack of confidence of ROUNDPOINT internal processing!! This is unacceptable. One because my case is not escalated it is still being handled by a POC that does n't respond in a timely fashion and two because this will be the SECOND time losing a sale on my home. WHAT THE XXXX is going on over there!!
Experian continues to report a XXXX XXXX account on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything. I contacted the creditor which is XXXX XXXX and they sent me the attached letter stating that they are unable to find an account for me. THIS IS NOT MY DEBT! I WANT THIS ACCOUNT REMOVED FROM MY EXPERIAN CREDIT REPORT IMMEDIATELY!
Upon turning over my mortgage from the originating bank to LoanCare, I advised and provided them with documents showing that the Homeowners and Property taxes had been paid, up front and in full. I asked that they remove the escrow whereas they provided me with steps that I needed to perform to begin the process. I followed their steps, providing them with their compliance and they still continued to collect escrow. Every one of the 32 phone calls leading up to this day, their agents gave me a textbook response that there is a cycle and it will be deleted within 5-7 business days. Well, I call every five-seven days and with each call they tell me it is in process and I continue to send to them copies of the paid taxes and Homeowners insurance for the years XXXX and XXXX. They leave me on hold in excess of 90 minutes, they bounce me from escrow to insurance and insurance to escrow. I have requested management and they will not escalate. No one is ever available and no one ever calls me back. Time was of the essence because I needed to make sure they are not paying out what has been paid and what do I receive in the mail, a notification that they have indeed paid out again. I have not received my monies that they collected for escrow even though I provided them with payment receipts. The insurance company even advised them personally on 4 occasions that they were in receipt of full payment for XXXX and XXXX. I want off of this merry-go-round and for someone to intervene so that the escrow is removed as I requested in excess of 32 phone conversations. They assured me it has been in process for the past year. This is unethical, I want my money returned and the escrow removed and they be accountable for this misjustice.
There are multiple reasons in the list above that apply to this complaint. Frequent calls and calls outside of XXXX-XXXX and they were foul, threatening and abusive to me on the phone. They repeatedly hung up on me when I tried to tell them that I had moved and needed to update my address as I had NOT received notification from them he said I was lying that too much had been sent - he also said that I was a " piece of work '' and on another call said " way to be a good example for XXXX '' ( my little girls name ) how do they have my little girls name? I do n't deny I owe the debt - I am in bankruptcy - he accused me of falsifying that information as well. He said he was n't notified of my bankruptcy - how can that can be true but my not receiving notices because I moved can not? This is the MOST horrible experience I have ever come had in any business manner. I spoke to both XXXX XXXX and a man named XXXX within the same office and they were both MISERABLY rude people.
For the past few months, XX/XX/XXXX to be exact I have not been able to pull my XXXX Credit Report from Equifax which I am entitled to through the XXXX XXXX XXXX XXXX I subscribe to. In addition this issue, I am now not able to lock/unlock my Equifax Credit Report which is another benefit that is included in the product I subscribe to. This has caused me a great deal of grief which has escalated because every time I have called I have been asked to give them another 24 to 72 hours to resolve which in itself would is not that bad ; however, we are 4 months into this and not once has anyone from Equifax called me to say that we are still working on the issue ; called at least ten times with the first call being made on XX/XX/XXXX and the most recent calls where on XX/XX/XXXX, XX/XX/XXXX and again this morning. On yesterday I just asked that they unlike my file so that I could submit and application and was assured that it was unlocked but of course that was not the case. I would just like to get this problem resolved, considering I have been paying monthly for a service that I not receiving.
Wells Fargo processed a large item first so that they could charge a fee for the smaller items. I should have only paid XXXX for fees instead they charged me XXXX. The ATM took my monies which create an erroneous balance. The bank refused to cover fees that were created because my account did not have enough funds.
**This is n't a duplicate request please read as I have loaded supporting documentation**I was advised incorrectly from the creditor that my credit report would delete the derogatory marks after six months. However the information was incorrect, it was actually 9 months. The nine months have passed but no updates to all XXXX credit reporting bureaus. To delete the inappropriate marks on my credit report in a timely fashion because the XXXX advised the update was sent on XXXX/XXXX/15.
Credit Systems of the Fox Valley has been calling my cellphone and my work phone simultaneously for the last 15 minutes over and over again. I have no idea how they got my work number. They 're not allowed to have this number. 

They do n't leave a message either. It 's distracting me from my job and upsetting me.
Citibank account was closed accepted payment in full.

Call from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia, XXXX
I just checked my credit report and XXXX XXXX have four accounts listed on my credit report from XXXX XXXX XXXX XXXX XXXXi have never have a contract with these companies. i did not receive a dunning letter in the mail saying I have a right to dispute this debt. This company hold four accounts with my name social security number address date of birth without my permission which is identity theft.They bought these accounts from another collection company. This company needs to delete my personal information out the database.
I responded to a Quicken Loans solicitation to Refi my home. After going through an XXXX process online, the system then pulls my credit. That 's fine, I expected them to. However, it instantly came back with 'It does n't look like there is anything we can do for you '. It then says I can call our XXXX number, or chat with an online rep. I 'm not pleased because I do n't want unnecessary credit checks on my credit if there is absolutely no way to qualify. I decide to engage in a chat. Well, after talking with their representative who has the title of " President 's Club Banker '' due to his level of experience, he reviews my file. It takes only seconds for him to say, 'sorry there is n't anything we can do because you need at least XXXX % equity to qualify w/o PMI and at least XXXX % to qualify for FHA XXXX which is all he offered me '. I feel that this is so incredibly deceitful because if I had known what their threshold was for assisting me in refinancing, then I would have known that there was no way for me to qualify at this time, and therefore would not have submitted to a credit check. Instead, they bait the consumer with this possibility that I could qualify and thus proceed to allow them to damage my credit with a quite unnecessary hard pull inquiry. As a consumer, I certainly would want to try and lower my monthly payment and felt it very possible to qualify since my current loan is $ XXXX and my home appraised for $ XXXX only 3 months ago. However, based on how quickly the system rejected to extend an offer of credit, and how quickly their agent rejected to extend an offer of credit, it was quite clear that they operate within strict ( and pre-established ) guidelines that even consumers who are in a positive equity position ( like myself ) will get denied ( and frankly did n't even come close to qualifying - he said I needed at least {$35000.00} cash down at time of refinancing! Seriously? ). So, I sit here frustrated and upset that I felt baited into this hopefulness that I could lower my monthly payment and save some money to help with my other monthly obligations for my family to be in a more favorable position in our financial situation. This felt misleading and deceitful. I am trying to strengthen my credit score and this did the exact opposite. It would have been easy enough for Quicken Loans to generalize what their predetermined qualifying criteria was on perhaps their first application page ( or in the solicitation itself - clearly marked ) which would help consumers make wiser decisions upon whom to attempt to apply for an offer of credit vs. attempting to apply for an offer of credit where there is absolutely no way at all that I would be offered credit. I am very displeased at having my credit harmed when a ) there was no way I would qualify and b ) my credit was never even a deciding factor in the decision - since it was entirely based on loan-to-value criteria that was never spelled out ( or even generalized ) for the sake of educating consumers. I 'm tired of being tricked, lured and baited by these companies that do n't care if they hurt consumers.
I was charged a clinical visit debt, on my daughter 's behalf, which was covered by government medical assistance. The payment was due at the time of service, thus my daughter would not have been seen if the payment was not verified on that same day.
on XXXX/XXXX/2016, I opened a citigold account with {$50000.00} deposit, referred by my neighbor, who was told by financial banker, XXXX XXXX, XXXX ID : XXXX, that at the end of 3 months, everyone will receive {$500.00} credit and {$300.00} referee credit, also {$100.00} referral credits if refer anyone on member to member referral program. However later to find out that the promotions are the scam because these XXXX promotions ca n't be combined and the branch personal banker XXXX XXXX gave us the wrong information when we opened the account. 
After waiting for 90 days, I requested the additional {$300.00} via security message center but I was told that the promotions could n't be combined. 
XXXX XXXX stated that he did n't know these XXXX promotions ca n't be combined at the time when the account was opened. It is unfair for the customers to bear the lost created by the bank staff. 
My friends who were under the same situation told me that they were able to receive the additional bonus after the complaint was submitted. I would like to be treated equally too.
I used XXXX to investigate this account. It's showing open account and that I opened this account in XX/XX/2018. I did no such thing. I would like some proof that I have opened an account with Diversified Consultnts such as signature/payments made toward this account/social security number that I applied for credit with this company. The original delinquency date of this account must remain the same as it was with the original lender. This isn't being shown on my credit report at all. 


Diversified Consultnts XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX
XXXX and XXXX are two different Company showing on my credit report and I know anything about this. This is fraud and I know anything about this reporting on my credit report. 

XXXX, I have no knowledge of this account and XXXX, this is unverified account
A company calling themselves " American Express '' and also " American Express XXXX '' have been repeatedly running my credit report several times a year for years. I have not done any time of business with American Express in well over 12 years and did not authorize any of these inquiries. I also have a LIFETIME ban on promotional inquiries into my credit. There is no excuse for American Express repeatedly invading my privacy like this. As you can see on the attached Experian credit report, just this year they have run my credit report XXXX times under XXXX different names ; American Express and American Express XXXX, and also used XXXX different addresses. They have done this for several years now and I have sent them letter to stop as well as complained to the credit bureaus to not allow it. It has not worked, American Express continues to invade my privacy.
I called Debt Recovery Soloutions spoke to a XXXX was offered a settlement on my debt with a debt i had from XXXX from 5 or 6 years ago for the amount of XXXX. i sent two payments from my checking account one for XXXX which cleared my bank from the creditor on XX/XX/XXXX check # XXXX and another for XXXX check # XXXX which cleared my bank on XX/XX/XXXX i called the company to see if they recieved my payment since it shows it was cashed through my bank and the answer i recieved is no, they don't have my money even though they cashed my checks an my payments have not posted as far as there concerned, i called my bank to see if i can dispute these transactions since the company is stating they dont have my money i was told no since the company has recieved payment an checks have been cashed i can not be credited or get my money back, I spoke to a XXXX XXXX who is supposebly the Vice president of client services for Debt recovery solutions and i was told that this would be looked into and i haven't heard anything back the only thing i can think of is maybe someone at the company pocketed my money or posting error i have no clue but there is XXXX of my money that was cashed but yet not credited an company states they have no record of my money. Also upset with XXXX XXXX serve for not crediting my account bank and looking further into dispute for me
I have sent Ad Astra XXXX certified letters and XXXX email requesting they cease all contact with me. I have asked them not to contact me at work yet they continue to call my place of employment. They are violating my rights an I want them to stop harassing me.
I thought I was not signing for a credit card but somehow now I carry a paypal credit card which I really do n't want.
XXXX Mortgage has been discharged via bankruptcy NEEDS to be removed from my credit profile Transunion is ignoring and not investigating XXXX mortgage DELETE XXXX MORTGAGE FROM MY CREDIT PROFILE!!!!! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX Va XXXX
Bank of America has repeatedly represented to me l have submitted multiple requests for mortgage assistance ( RMA ) without providing copies of the RMAs upon receipt of my requests to do so. 

Starting in XXXX, Bank of America began to provide me with boiler plate template letters stating I have forwarded financial documents as part of a RMA application package. Since XXXX I have requested these documents and informed Bank of America of my on going concerns regarding identity theft and that Bank of America may have compromised my financial, personal, and privileged information since I have not submitted any documentation whatsoever as part of a new RMA or modification application package constituting reapplying or restarting the modification process as the modification process based on my RMA of XXXX XXXX and subsequent application package of XXXX XXXX is pending to date, as a matter of law, and will remain incomplete until a written determination letter is issued to me by the Appeals Department based on the XXXX XXXX, XXXX Appeal Report conducted by Appeals Specialist XXXX. 

107 ) Federal Trade Commission Act. 
108 ) Fair Credit Reporting Act. 
109 ) Equal Credit Opportunity Act. 
110 ) Home Mortgage Disclosure Act. 
111 ) California Identity Theft Resolution Act. 

Smart phones got apps. The government got Acts. If financial institutions are doing things they know they should n't, chances are there 's an Act for that allowing for the behavior to be addressed. 

All previously mentioned resolutions are desired and mandatory. Additionally, Bank of America must provide complete true and correct copies of all RMAs, application packages, and supporting or supplemental documentation along with all modification initial determination letters and subsequent appeal determination letters, if applicable, associated with this account.
To Whom It May Concern ; On Friday, XXXX XXXX, XXXX I initiated a transaction in amount of {$1500.00} USD on Coinbase.com ( Page 1 ). 
On XXXX XXXX, XXXX I found out that my purchase of virtual currency was not credited to my account. I opened a ticket with case number XXXX at Coinbase customer service center and made a phone call to escalate the issue ( Page 2 ). 
On XXXX XXXX, XXXX I sent another email to check the status of my case ( Page 3 ). 
Still waiting for a response on XXXX XXXX, XXXX I made a phone call and for the second time, I escalate my issue and a representative sent me a conformation email of our conversation ( Page 4 ). 
As of today XXXX XXXX, XXXX still my account has not been credited. Hereby I seek your help to resolve this issue, and get credited by Coinbase for the total amount of {$1500.00} USD for the purchase of virtual currencies, Ive never received. Please refer to attachment on page 5 for a copy of my account activity on Coinbase website which indicates I never received XXXX ETH in total amount of {$1500.00} USD. You may also refer to page 6 for a copy of my bank account statement showing the withdraw amount made by Coinbase on XXXX XXXX, XXXX and the transaction ID. 

Please do not hesitate to contact me if you need any further information. 

Thank you so much for your time and consideration. 

Sincerely,
I have had an open line of credit for over 7 years yet only 2 years of my credit is being reported by XXXX, transunion, and XXXX.
XX/XX/XXXX expecting a deposit from netspend/XXXX and did not receive called them only to be told they are having a problem with ACH and are holding payments, XX/XX/XXXX still havent received my hard earned money ( some customers were complaining they havent received theres in over 5 days ) I couldnt imagine, they have no further details they cant even give me a Estimated time I am a single mom with kids I have bills to pay and they are holding my payments! There is a whole forum of a group of people also complaining and they get no response or reason for this hold and how long they will be holding our direct deposits this is completely unacceptable, people are talking about suing, I need reasons for this issue and when netspend/XXXX customers will be getting their money
NATIONSTAR MORTGAGE HAS REPEATEDLY REFUSED AND CONTINUE TO REFUSE TO MODIFY MY LOAN DESPITE MY QUALIFIED ELIGIBILITY AND MY NUMEROUS REQUEST AND DOCUMENTS SUBMISSIONS. INSTEAD, THEY OPTED TO FORECLOSE ON MY HOME WITHOUT CAUSE, AND DUE PROCESS. I HAVE BEEN IN THIS MODIFICATION PROCESS WITH THEM SINCE XXXX XXXX, 2014. ALL DOCUMENTS HAVE BEEN TIMELY SUBMITTED. ****
For every day in which I am unable to utilitze the online service to file a dispute with Experian Credit Monitoring Service, I will be submitting a complaint. On XXXX XXXX, 2016, I received an email from Experian Credit Monitoring Services indicating a change to my credit report. I logged into this service, in which I am paying a fee for each month, and attempted to dispute the information that has been reported to the credit bureau ( s ) as per Experian Credit Monitoring Service ; however, when I attempted to do so, I received a notification online indicating that I am not allowed to submit a dispute online, and that a reason can not be provided to me. Two documents have been attached to this complaint submission, one document showing the email notification I received from Experian Credit Monitoring Service, and the second attachment is the notification I receive when I attempt to dispute the information reflected in my account with Experian Monitoring Services.
The investigation of my discharged bankruptcy and unauthorized inquiries by the credit bureaus have been extended for more than 45 days. No validation from the credit bureaus or validation from the companies that the credit bureaus gave access ( to my credit file XXXX XXXX XXXX ) has been given in writing. No validation of Debts has been given at all by XXXX, XXXX, XXXX and XXXX XXXX. BY law You MUST delete the discharged bankruptcy and all accounts in the discharged bankruptcy and ALL the unauthorized inquiries ASAP
My citi prepaid/debit card expired and they will not reissue the money or replace the money.
I have had this auto loan since XX/XX/2010. Its for a XXXX XXXX XXXX XXXX. So far I have paid well over {$51000.00} dollars and still owe more on it. I did some research on Santander, and found out about money going strictly toward the interest payments. I never was told nor agreed to anything like that. This vehicle is a plain van. It doesn't even have power steering, air or heat in the rear of the vehicle. I read about the settlement that they have agreed to with lawsuit that was brought upon them. I need help in straightening this out. I AM a XXXX senior citizen. I'm not asking for pity. I just know that this is not to be right.