WillisBack/dataset-financial-user-claim huggingface dataset:
Upon reviewing my account online with Penfed, I noticed that they had closed my XXXX credit cards. I immediately pulled my XXXX credit report and noticed that none of my credit accounts appeared on my XXXX credit report anymore- including Penfed & XXXX XXXX . I contacted XXXX and filed a complaint with the CFPB against XXXX. 
XXXX said that my credit file had been mixed with someone else and there was a ton of bad accounts listed that belonged to another person with the same name. XXXX has stated that they have now corrected my credit report. I sent Penfed a letter stating that my XXXX credit report had been mixed with someone else and to please reconsider their decision to close my credit cards. I have been a very good customer to Penfed. I am very disappointed that Penfed never mailed me anything stating that they had closed my credit cards and had to find out from visiting my online account. I am even more disappointed that Penfed completely ignored my letter requesting reconsideration. This very unfortunate situation can happen to anyone. I can not control how the credit reporting agencies handle or mishandle my credit file. XXXX has assured me that everything has been corrected. After this fiasco with Penfed, I contacted XXXX XXXX and explained the situation with XXXX mixing my credit file with another person. I have a credit card with XXXX credit limit with XXXX XXXX and did n't want to go through the same situation with them. 
XXXX XXXX was so great and they are standing beside me. I thought Penfed would do the same but I can not even get them to respond to my letter. I truly enjoyed my relationship with Penfed and was proud to be a member of Penfed. 
I have family members and friends that have been with Penfed for years and they are shocked that Penfed is not responsive to me. According to them, this is not typical of Penfed. So I am left confused as to why I am having such a negative experience. I have handled my Penfed accounts responsibly and I truly value my relationship with Penfed.
On XX/XX/, 2018, XXXX XXXX repossessed my car. I have called their redemption department as directed. After waiting on the line for 45 minutes it disconnected me. I called back to be told that the lady who told me to call the redemption department gave me the wrong time and they didnt open till XXXX XXXX Central. So i waited till XXXX XXXX Central time and called again. After waiting on the line for another 45 minutes, the operator told me they were closed and to call back between XXXX and XXXX XXXX Central time. It was already XXXX. I still do not know the correct time they are open. I have called back several times and after 45 minutes, it disconnects me. I keep calling the main line back and they insist they are not able to give me any info. I must contact the redemption department but I can not get ahold of them.
I have had a cash back credit card with Citibank ( Citi Dividend Card ) that allows you to earn XXXX % every quarter on different types of purchases. It advertised XXXX % cash back when you use your card at The Home Depot and any home and garden store between XXXX XXXX and XXXX XXXX 2015. I made a {$620.00} purchase of an outdoor canopy for my backyard at XXXX, which sells home and garden merchandise and is a direct competitor of Home Depot, on XXXX XXXX, but was denied the XXXX % cash back because they claimed XXXX was a wholesale store and not part of the promotion. I believe this is false advertising on the part of Citibank.
The Story This is basically an office front that will look for bank financing for you to purchase panels and then subcontracts out to local companies to install solar panels. My project took nearly a year, when initial estimate was 3-6 months. My project manager quit that company, which was a red flag, but the panels were already delivered. I didn't know if I could cancel at that point, but I probably should have asked. 

They used one loan company, XXXX XXXX, to obtain the 50 % down portion ( {$21000.00} ) and in the middle of the construction, switched to a second loan company, XXXX XXXX , XXXX promising to pay off the first loan, but they never did, leaving me with 2 loans for 150 % ( {$63000.00} total ) of the promised cost. Once I found out, magically, no one answers the phone at XXXX XXXX. I called both loan companies to try to find out what my options are, but I couldn't get any help from either of them. Half of the money obtained from XXXX should be going to XXXX XXXX to pay off the first loan and I feel defrauded and asked for help, but got none. 

After months of calling and trying to communicate with the Finance dept at XXXX XXXX, the Finance chief quit the company and told me that it would be unlikely that they will refund the money owed. They knew what they were doing when they made false promises.
I have contacted Equifax several times about unauthorized inquiries that was placed on my report. When I first contacted Equifax several months ago they advised me to place a fraud alert on my account and contact each company to have them remove. After contacting each company by certified letters and phone calls, I 'm told by these companies to place a dispute with the credit bureau it 's reporting too. I 've contacted each of these companies, by certified mail, requesting documentation that these inquiries where authorize by me. Majority of their respond where get in contact with the credit bureau. As we know, mailing letters to these companies was very expensive only to receive a letter back stating contact the credit bureau
I opened an account with USBANK only to retrieve cashers ' checks to move into my new place from Oregon to XXXX XXXX Nevada. I opened the account with {$50.00}. The personal banker XXXX XXXX on XXXX XXXX XXXX XXXX never read a disclosure or informed me that a hard inquiry on my credit was going to be pulled. I signed some electric pin pad that I assumed was just to sign for the checking account. XXXX points were taken from my FICO score. Since opening the account, I have learned that I have a checking and savings account with a secure credit line, and there is a {$6.00} fee per month that was never disclosed to me until my husband was put on the account. I NEVER asked for these services, I wanted a simple checking account to get cashiers ' checks from my main online bank that I do business with. This account was supposed to be mainly for my husband on the account, for when he moved here. I called XXXX XXXX 2 times to explain the situation, with no follow up. He stated he would talk with the branch manager. I called XXXX other times and left messages with no result. All I want to do is close my account. All that should have been checked is XXXX ; my credit should never have been pulled. I feel I was tricked and deceived. I filed a complaint on the wrong bank previously. My mistake it is USBANK. I received a call from a XXXX whom stated it would filed, yet I have received no future response stating my credit has been cleared up with the Credit Bureaus. the only thing that was resolved is the credit line is gone. I need my credit reports to reflect I have all my points back with no Inquiry from USBANK.
In XXXX 2015 I received a call from a blocked phone number that said I needed to call XXXX regarding legal papers they needed to serve. I called that number, they did not identify themselves, did not state was for a debt collection and gave vague information regarding a debt I owed. When I asked further they gave me a non existent account number and customer service phone number for XXXX XXXX. I called XXXX XXXX and they had nothing on file for that account. I called back to the XXXX number to get further info and was told I could pay {$400.00} of the total of {$600.00} to make it all go away. I said no and I needed proof of the debt in writing. They said they would mail it out, never did. I sent a certified demand letter which came back to me today as undeliverable. The company is XXXX XXXX XXXX XXXX who is also now on my credit report, that is the address I used to mail the demand letter. I have not heard anything further from them to date. I do not have an outstanding bill and will not pay anything on an account that does not exist.
Around XX/XX/2018, I disputed 3 charges of {$250.00} from XXXX XXXX XXXX. I cancelled this warranty on around XX/XX/2018 when I put a claim in and they denied it I probably should filed with CFPB on this about them but didn't. I told them to cancel and on around XX/XX/XXXX, I disputed the charges with my credit card. when XXXX refused to refund all my money. They charged me {$750.00} for a {$500.00} warranty. They refunded me {$250.00} but I'm still waiting on the rest. US Bank claim numbers XXXX XXXX and XXXX XXXX. On XX/XX/XXXX, US Bank requested more information. I sent them all the information including emails I had with this company and contracts. on XX/XX/2018 by Certified Mail tracking # XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX it arrived at XXXX. On XX/XX/XXXX, US Bank reversed the provisional credits. Sent me 2 letters dated XX/XX/XXXX. and arrived here onXX/XX/XXXX. They say in the letter they didn't receive the additional information in time. It wasn't even 30 days. I have federal logs showing my location date and times that show I have not been home to respond to any of this as quick as they want. Request your assistance in getting my {$500.00} credited back to my credit card.
I am filing a complaint about the XXXX XXXX XXXX service. This fall, in XXXX, the company changed the way they notify customers of payments due. In the past, they sent emails containing the amount due on the card, which I would then pay using secure bill payment with my XXXX app. Please see screenshots of emails below. I included one from before the change and two from after the change, which offered no reason for me to think I had a past due payment. I missed a payment due to this change, which I was never notified about. I paid the principle as soon as I realized it was due, but did not realize I had an outstanding late fee, which continued to accrue fees over the next two months. When I received a letter from XXXX in the mail asking for payment, I was shocked and made the payment as soon as I could. However, this 90-day-late payment has now caused my credit score to go down 90 points, and will not leave my credit report for 7 years. As a medical student in my mid-twenties, this is a major problem. I need to have a good credit score in order to qualify for loans. I have taken this matter up with XXXX, and while they were able to reduce my late fee, they refused to do anything to help me get this delinquent payment off my credit report, which is the far more critical and pressing issue.
On XX/XX/XXXX resent request to have entries for XXXX XXXX and XXXX deleted. Accounts had not been verified/investigated per FCRA. 
Original creditors admit to not having information regarding account in question. 
XXXX-has no record of account in question unable to provide information. 
XXXX XXXX- has not responded with original signed documentation of account.
On Messenger a person hacked into the XXXX  Arizona '' s Mayor 's personal account an sent me a message about an available program from the Government that I might be eligible for, sort of like a grant for {$50000.00} that I would not have to pay back but I would have to submit a payment of {$350.00} with the application. I also had the Mayors personal number as our conversation did not sound the same, I could tell by the reply 's something was off.

Thank God I didn't give any personal info but I have theirs.

If you want more info please send me info on who to report this to.

Thank you
Equifax is reporting a duplicate account with negative rating. With documentation from CFPB that shows reporting is wrong, letter from company apologizing that report is wrong, and calling Equifax and they state it is wrong. The report continues to report a duplicate account even after several attempts to dispute on line. 
Next phase will be suing Company and Equifax to false reporting.
I paid off a balance of a student loan ( i.e. one of four ) I took out for my daughter on XX/XX/2018. 

I received a letter in summary that : - confirmed that I authorized a debit of an account with another financial institution - a notification from Wells Fargo of limitations of withdrawals under Regulation D - a footnote that " some states require us to inform you that this communication is an attempt to collect debt and any information obtained will be used for that purpose '' I called Wells Fargo to understand what they think their obligation is in notifying me of a withdrawal from another financial institution and compliance of Regulation D. Wells Fargo could not explain this to me and offered for me to speak with someone in their compliance department. I declined - as I reviewed Regulation D and I believe that Wells Fargo was overreaching in this notification to me. 

I also spoke with Wells Fargo on the footnote they provided at the bottom of the letter. Wells Fargo 's defense was that the student loans are debts that they are collecting and that there is nothing more to that footnote than notifying me as such. 

Although I am an educated consumer, I felt that I had done something wrong in paying off a student loan. In this circumstance, my paying off the student loan was not a " collection matter '' nor was Wells Fargo obligated to notify me of Regulation D - that obligation would reside with my financial institution, as applicable ( of which it was not ). Plan and simple, I felt intimidated for paying off a loan and had to research what I might have done wrong ( which was nothing ).
My student signature private loans through Navient were not deferred in XX/XX/2016 when I returned to college as a full time student without an income. I contacted Navient and was told that I would continue to receive late fees every month if I did not pay my loans. Navient told me there was no way to defer that particular loan or any options to reduce my payments. I have had perfect credit up until this recent issue.
For upwards of the tenth time in the last two years, I have made a monthly payment on my Bank of America credit card after the bill issued, and they failed to credit it for that bill, instead imposing a late fee, reporting me late, and requiring a double payment. This has been complained of to CFPB multiple times before, and yet it keeps happening. Here again I sit after having spent a half hour earlier this week during the work week trying to get it straightened out, then when that representative said he had it straightened out and credited back the erroneous late charge, on the immediate next bill it said I was late and required double payment. Very simply, bill issued XXXX XXXX, due XXXX XXXX, I paid it XXXX XXXX, and yet they do not credit the payment. This has happened seriously upwards of eight times, perhaps more., I have complained repeatedly to CFPB, spent HOURS on the phone with B of A, been told varying stories by B of A, but they just keep getting it wrong. This is now a chronic consumer finance problem with them bordering on intentional.
I called  XXXX  twice on  XXXX / XXXX /17 regarding inquiries that should not be on my report. The first gentleman that I spoke to would not allow me to speak and I could barely understand him due to the language barrier. I requested to speak to a supervisor and he discod the line on me.
<P/>
The following inquiries should not be listed.
  XXXX   XXXX    XXXX , PA  XXXX   XXXX / XXXX /17   XXXX   XXXX    XXXX  , NJ  XXXX  which is also showing twice within 30 days.  XX/XX/XXXX  and  XX/XX/XXXX .
Good morning. 

I co-signed for a student loan for my daughter in XXXX. XXXX XXXX XXXX XXXX XXXX sent the loan into collections because my daughter could no longer make the payments after she lost her job in XXXX. She received numerous deferments and was maintaing minimum payments until it wen into collections with XXXX XXXX or XXXX ( I'm not even sure if either of these companys were legitimate now ) around XXXX. I was paying the loan myself beginning in XX/XX/XXXX up until XX/XX/XXXX when my mother suddenly passed away. I asked the agency for more time unitl unitl I could get my mother 's funeral settled and her apartment cleared out but I was told no. The account was then transferred to Roosen Varchetti and Olivier. I was served with a Consent Judgment in XXXX XXXX, GA. I don't know what the origional loan amout is. I have no documents showing the bank that provided the loan. I've attempted to contact XXXX XXXX but to no avail. I think I'm being misled by the current debt collection agency because I've asked for monthly statements with shwoing current payments and the ballance due. I'm paying {$350.00} a month to this company and not sure where I stand. All I receive is an email stating that I made the payment. 

I'm trying to have my security clearance reinstated ( it was revoked because of the negative past due for this loan ). I'm could possibly lose my job if I can't show that I'm I current with this account. I stated this to the account rep for the agency but she states there's nothin she can do. I'm asking for assistance in this matter.
Have been disputing with the credit bureaus since these have reported on my credit and they still have yet to send any type of verification. The last certified mail was received over 90 days ago on XX/XX/2018. They are not associated with me and I have been fighting it since I found out it was inaccurate on my reports and its making it impossible for me to do what I need to do credit wise, I couldn't even go on my house loan so it is just my husband because its reporting negatively and they aren't my accounts. I can't continue my education and get my XXXX  now. Every time I reach out to the companies or bureaus the time frame seems to be starting over of when it will be removed. When I have reached out to the bureaus in regards to this and disputed them and nothing is getting done and it is extremely unfair. I have 10 plus phone numbers on my account and only one is  actually mine. The FCRA gives the company 30 days to respond and it has been over that time frame even from the last letter.
Portfolio Recovery Associates is reporting aa account for {$850.00} on my credit report that does not belong to me. This account is from identity theft. I have contacted the company and told them that this is from identity theft and they sent me a computer generated bill saying that it was verified. I told the rep the I spoke to that the bill was not from me and I had been a victim of identity theft.
I am very upset due to inquiries that are being shown on my credit report. This was my last resort. I was told to contact the credit bureau and the credit bureau told me to contact the creditor but they told me to contact the credit bureau in which I did after sending them over 5 letters in which the last letter I send them was certified at the post office tracking number- XXXX XXXX XXXX XXXX XXXX in which it went ignored and transunion refused to remove these inquiries after I informed them that I didn't authorize anyone to run my credit and do any hard pulls placing damage to my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights.
I made my payment XX/XX/2018 The payment posted XX/XX/2018 of XXXX. 10 days later the co. Is stating the payment was reversed and went back into my acct. I have provided several items from my bank have diligent worked to get this situation resolved. However the co. Has not excepted anything I have faxed them. Haven't reached out to even say faxes have been gotten. I've had to go through CS line automated lines 30 mins plus to get to the right staff. Everytime. I began emailing information it was said they would email back when received never have. But at this point. No contact from them and the status of my account is still delinquent. Might I add I have only one payment left to make on this loan. I am desperate for help at this point.
Received fraudulent surprise debt collection having never received any bill. When sent a letter disputing and requesting verification, all that was received upon XXXX signed receipt of dispute, was an invalid resolved summons ( with a different amount no less ) and no bill or proof of anything.
I had applied to modify my loan to try to get a lower interest rate because, from all guidelines, I qualified. I submitted my application and was approved BUT the new loan was ridiculous and would have extended my mortgage by another 10 years AND increased my monthly payment which would be crazy for me to accept so I wrote and declined the modification and told Ditech I was sticking with my existing mortgage agreement. That was 4 months ago and I have made two monthly payments that the bank has put in " suspense ''. I kept calling and have been told it is because my loan in is " Loan modification review status '' which is just not truly. I spoke last week to " XXXX '' and have all the time/date/extension details. She told me it would take 24 hours but she sees that I rejected the modification offer but because I did it in writing and not on the phone, there was a problem? She said she would fix it within 24 hours and now it has been many days STILL and it has still not been fixed and my amount due shows a HUGE $ amount because I have two full, complete, total payments put into " suspense ''. Please help me!
The collection agency told me they would send exactly what the debt was pertaining to and I never received anything. I called XXXX and they told me they did n't know what I was talking about with the debt because I was paid up
A Military Star Credit card, aka Take it Home Today, was settled in a dispute resulting in no balance due following settlement. As part of the settlement, the company agreed to remove the item from all trade lines. As of today the information for account # XXXX is still showing on the " XXXX '' credit reporting agencies trade line under my name, and is a violation of the agreement made by the company almost a year ago.
sent letter regarding a bankruptcy that is on my credit report, after investigation they stated that it was verified as true. i contracted the bankruptcy court and the said that they do n't report to credit agencies and will not verify