WillisBack/dataset-financial-user-claim huggingface dataset:
I submitted formal disputes with Transunion, XXXX, and XXXX in regard to inaccurate late payment from XXXX XXXX XXXX XXXX showing on my reports, in which I'm co-signer for my wife, on her XXXX report shows paid as agreed but all 3 of my reports shows 1 30 day late in XX/XX/2017. This caused my credit score to drop more than 60 points, resulting me not able to qualify for personal loan.
I have tried to make online payments with Synchrony bank and XXXX the payments have not cleared because of their servers. I have have written a letter and sent to XXXX address 's disputing my additional charges and no one will contact me other than debt collectors who say they ca n't do anything about me being charged additional fees even though I have fold them all I have disputed the charges in writing, I have asked to talk to someone who can help and they say I must pay all late fees and it does not matter that I have written letters disputing the late fees.
**This is my 3rd time submitting this information. I received a confirmation email, however when I log in it shows that I have no complaints. 

I did not authorize XXXX XXXX XXXX to pull my credit. I never signed an application. I reported this to Experian because they are who I have credit monitoring through and to XXXX XXXX. I was told by Experian that I need to contact the creditor which I did but to no avail. There are two credit pulls from them. 

I noticed there is a XXXX XXXX inquiry on my report from 2017. I NEVER authorized a credit pull. Period. I have reached out to both Experian and XXXX XXXX but have gotten nowhere. 

XXXX pulled my credit twice without my authorization. It was only supposed to be pulled once but it shows a pull on 2 separate days. I contacted Experian and again was told I needed to contact the creditor. Did so but have not heard back concerning this issue.
In XXXX 2016, I called my credit card provider, Barclays. I requested a credit increase in order to cover charges for my mother 's funeral. I was asked to informally state my annual household income. I told the woman {$XXXX}, which is about the same has it has been for the past 2-3 years. I was told my request was denied, without any reason why. I later received a letter stating that the request was denied because I reported my income was {$XXXX}. The woman either did not hear me or made a typo in submitting the request, leaving {$XXXX} off our annual income. This is solely based on Barclays error. I have repeatedly contacted Barclays about fixing this. After being routed through several departments over several days, on multiple occasions, I am told it is my responsibility to contest BARCLAYS ' MISTAKE with the credit bureaus by providing proof of income, tax returns, and more. Since then, my credit score, as well as my wife 's credit score, has been reduced by XXXX points. All of this based on an informal request for my income. Why is it our responsibility to correct this, when it is unquestionably Barclays ' mistake, and Barclays refuses to do anything?!?
I am trying to check my credit report and I can't even verify that it's me because I don't have the " correct '' answers to the verification questions. I believe someone has stolen my identity around 2013 when my XXXX  was stolen. I don't have any evidence that's it's me because it's been going on for so long without me knowing it. I have a military ID and a SS card to prove it's me.
Our home mortgage was sold by XXXX XXXX XXXX Bank to Carrington Mortgage Services, I believe in 2012. The website will not let me access my account at this moment. 

Our payment with XXXX was {$1700.00} Including P & I, Hazard Insurance & Property taxesOur payment with Carrington is {$1800.00} Not clue what this payment includes because I have no signed ( by myself or my husband ) paperwork from this company. 

When Carrington bought our mortgage it raised our payments without our consent or prior knowledge. 

I did call Carrington when I noticed the jump in payment, only to be told that it was to cover our homeowner 's insurance. At that time I offered to pay the amount out of pocket, to keep our payment the same as it was with XXXX. Carrington stated they could not do that, after transferring me to various people.
There were XXXX unauthorized transactions on my account dated XX/XX/XXXX. On XX/XX/XXXX, after multiple attempts to contact American Express, the transactions were confirmed unauthorized and I was told the amounts would be credited back to my prepaid bluebird card. I had such a difficult time reaching a representative at the company the multiple times that I called, that I told them I wanted to cancel the card and have the money refunded to me via XXXX XXXX. I was told the max amount that could be sent was {$450.00} I said that was fine and I would cancel the card after I used my refunded amount. I was told to call back in 48 hours for a tracking number. When I called back, they could not locate a tracking number and I was told to call back again in 48 hours. This cycle repeated itself with multiple representatives ( some who did not understand what the problem was due to the language barrier of their call center being located in the XXXX ) until XX/XX/XXXX, when I was finally issued a tracking number. I went to XXXX XXXX and was told the number was invalid. I called AmEx again and they confirmed the number was correct and that I should try again in 48 hours. Again, the number was invalid and I was told to call back in 24 hours. The cycle continued again until XXXX XXXX when the tracking number expired. Since that date, I have made multiple phone calls to obtain a new number and XXXX times in row was told there was no record of my previous call and to call back in 48 hours. Today, XXXX XXXX, I was able to reach someone at XXXX XXXX who told me the money has been returned to AmEx and I need to deal only with them. This has been ongoing for nearly six months and American Express still owes me {$450.00}. I will never use anything related to American Express again.
I received an Amazon.com Rewards Visa Card in the mail last week ( home address ), and realized that I had NOT applied for this. I called Chase number on card and reported the mistake and they said this was identity theft. We cancelled the card, and I now have gotten a POBox to receive all sensitive mail, and had to alert all other creditors about the identity theft. I put a fraud alert on my credit reports, and am now checking those reports for accuracy. Not sure of what else to do - but was told to report this here to CFPB. Thank you.
Ref : Bank of AmericaI have been working with a loan modification since 2010 bank of america and since then bank has damaged my credit ; I have a credit card with the bank never paid late bank has reported on my credit file I filed Bankruptcy never did. Lender has denied me to reopen my account after I settled loan modification and has discriminated me on my credit application or denied credit. I explained never had or claimed bankruptcy and bank america still showing it on my credit report and refused to deleted error inf.. Can not apply for any credit card and my credit has been damaged by the bank.
I was approved for an auto loan through BBVA/Compass bank on XXXX XXXX of XXXX. Shortly afterward, I set up an online account so I could make my payments. However, when I attempted to make a payment, it did not process correctly, therefore my payment would not go through. 

I called BBVA/Compass Bank 's customer service center on XXXX XXXX of XXXX in an effort to get this corrected. I spoke to a customer service representative named XXXX who asked me to send screenshots of my attempts to make payments. I was on this phone call for over 60 minutes. The customer service representative assured me I would get a phone call within 48 business hours and my issue should be resolved by then. 

However, over one week went by and I received no phone call, and I still had the same problems with my online account and could not make my car loan payment. I called BBVA/Compass Bank 's customer service department again on XXXX XXXX of this year and spoke with a representative named XXXX. I advised XXXX my problems with making payments online were still not resolved. XXXX again tried to help and requested I send screenshots of my attempts to make online payments. I was again on this call for about 60 minutes. XXXX then transferred me to another department of their customer service department who said they would take my payment for me over the phone free of charge because of the trouble I was having. A customer service representative named XXXX took my checking account information, gave me a confirmation number and said my loan payment would be processed. 

I called BBVA/Compass Bank 's customer service department on Wednesday, XXXX XXXX and told them there is no record of the payment I made on Monday, XXXX XXXX. XXXX from their customer service department told me if my payment did not show up by Friday, XXXX XXXX to call them back. 

It is now Sunday, XXXX XXXX. The car payment I supposedly made on Monday, XXXX XXXX never got processed. Also, my online account has been having problems since I set it up on XXXX XXXX. Compass Bank is not making any efforts to help me with issues I am having with my online account. Also, I am curious as to why one of their banking representatives took my payment information over the phone on XXXX XXXX and now there is no record of it. I am very frustrated by Compass Bank 's poor customer service, and failure to help me resolve my issues.
On XX/XX/XXXX I reached out to Creditors Protections Svc after I had noticed a collections mark on my credit report. I spoke with a collections specialist by the name of " XXXX XXXX '' I had explained to her I wanted to make a repayment agreement and established a payment amount. When it came time to take my payment jnformation she asked who I banked with, I asked her was I not able to use my debit card? She then stated I was not able to because the payment amount was n't over {$100.00} which was the amount I would need to pay to use a card transaction. I then stated to her you guys sure do make it difficult to make a payment. XXXX then stated to me " that 's what happens when your account is placed into collections it 's not sweet '' I tried to speak the rep then spoke over me would n't allow me to speak, I asked her if the calls were recorded she kept telling me they MAYBE recorded. The rep was extremely unprofessional I asked to speak to a manager she told me there was n't any available. I asked her for a team lead, supervisor, manager, assistant general manager, or the general manager she advised me that no one was in the office that there was absolutely no management or anyone else that I could speak with. She claimed her managers name was " XXXX XXXX '' and that she would have her call me back. The representative then hung up on men
Within the past few weeks, I opened a complaint with CFPB regarding this same credit card account that was in a collection with XXXX XXXX XXXX XXXX under complaint number ( s ) :XXXX,XXXX,XXXX & XXXX. Once I provided the police report # and FTC ID theft affidavit/complaint # XXXX XXXX XXXX they then sold this disputed account to a collection agency called, FirstSource. This is a clear violation of the Fair Debt Collections Practice Act. Even after illegally selling this disputed account to the new collection agency XXXX XXXX XXXX continues to report their name on all 3 of my credit reports. I am once again now alerting FirstSouce collections that this account is from identity theft. I am providing the police report and FTC report numbers. Furthermore, I was also notified by XXXX  that my personal information was in fact compromised during the 'XXXX  Breach '. FTC ID theft report/affidavit # XXXX & XXXX PD report # XXXX by Officer XXXX, badge # XXXX.
Chase emailed and sent physical XXXX XXXX chase account to my address, stating it was opened up on XX/XX/2019. I immediately called and stated I did not open this account and they freezed/locked the account immediately. They are looking into who did open the account but have not contacted me any further. My credit report shows no other fraudulent activity.
THe debt was paid and they still have it showed as open on my credit report but with a {$0.00} balance.
American Express abruptly locked all my accounts without notice. Leading to a major stall with my business. This has caused major inconvenience to the business and altered daily workflow. American Express notified me that they required personal tax documentations. All charges on my cards were legitimate purchases made personally on my charge and business transactions on my business cards. I did not violate any terms or conditions and deem this process unnecessary. I have been a loyal customer since 2016. I recently paid {$95.00} annual fees on 2 separate accounts and have a {$450.00} annual fee posting this month. I paid for annual fees and do not have the ability to use my accounts. Every statement was always paid in full and on time every month. American Express is penalizing a loyal customer for no reason provided. They mentioned an increase in Spend but I have spent more than my current balances in the past and paid in full with statement closing. With holiday season they should not be penalizing for an increase in Spend. American Express has also already requested personal bank statements earlier this year because a college tuition bill was charged on my card. I do not believe American Express has the authority to lock and keep requesting documents from me, especially after just paying for annual fees to use their cards. No terms or conditions where never breached. Most of the business charges came from XXXX, XXXX XXXX, and XXXX.
I received an email offer from Bank of America on XXXX XXXX, 2015 offering a {$300.00} bonus for signing up for a checking account and having $ XXXX of payroll direct deposit within 3 months. I met those requirements and never received the bonus. It has now been over 6 months and still no bonus. I have called Bank of America customer service at least 10 times. I 've talked to multiple supervisors who have to check with their promo dept to look into the matter and to the best of my knowledge they are having trouble finding me in their database of customers who received this offer. This has been going on for 6-8 weeks. No one seems to really want to address my issue. I 've offered to forward the email and provide any other info to prove to them that I received the offer email from them but instead they give me another date and put me off for 2 more weeks while they escalate my issue. I have done everything I can think of to solve this on my own but have run out of options. At one point someone at BofA suggested I go to a local branch and have them fax a copy of the printed email I received which I was willing to do except for there are no branches within XXXX miles of where I live. 
This is fraud. They 've offered me something, I meet all the requirements, and then BofA requires me to spend 25+ hours of my time on the phone with them fighting for the bonus.
Calls placed after   XXXX   XXXX  .
Calls several times per day.
I RECEIVED A PROMOTIONAL OFFER FROM CENTER STATE BANK, CARDMEMBERSERVICES, XXXX, XXXX ND STATING THAT IF I SPENT $ XXXXWITHIN XXXX MONTHS MY ACCOUNT WOULD BE CREDITED {$300.00} IHAVE MET THESEREQUIREMENTS BUT WHEN I WENT TO REDEEM MY MONEY I WAS TOLD I WOULDHAVE TO WAIT XXXX MONTHS BEFORE I WOULD RECEIVE MY. MONEY THE OFFERI RECEIVED MADE NO MENTION OF THIS. I BELIEVE THIS IS UNETHICAL MARKETINGAND I REQUEST I RECEIVE MY MONEY IMMEDIATELY.
In XX/XX/XXXX, I went to my local bank and closed my XXXX Credit Card account to avoid being charged another annual fee, because I no longer needed the card. I was told everything was handled and there was a {$0.00} balance. They removed the account from my viewing on the website, so I had no way to access the account in any way. The gentleman at the bank ensured me everything was handled. I assumed the account was closed, and it was noted on my credit report in XX/XX/XXXX. All of the sudden, in XX/XX/XXXX I saw a number 90 on my credit report. This signified that I was " late by 90 days for a payment ''. I have never gotten any documentation on this matter until this point. I attempted multiple times to contact XXXX to discuss. I went in circles talking to department to department about how to deal with whatever it was that was negative on my account. Nobody responded to my calls. I then was contacted by a third party collection agency who asked me about the situation and I told them honestly I was shocked that months after I closed the account, these charges showed up, but I was more than happy to work with him to figure out what happened. I called the gentleman back several times, and he never returned my calls. At this point I have no idea what to do, or how to get this off my credit report, but this is totally wrong and unacceptable. I have never had a missed payment in my LIFE. XXXX 's lack of direction, response, and responsibility has caused my future to be in jeopardy as now I am applying for a new job, and trying to secure a new apartment, and have this innocent scar on my record.
On XX/XX/XXXX, my husband and I re-financed our mortgage with Chase. We received a letter dated XX/XX/XXXX, indicating that errors were found on the Closing Disclosure. Originally disclosed amount was {$4600.00} and the correct information is {$4200.00}. There was a phone number to call with questions - XXXX. Upon calling this number, a voice message tells you to leave your return phone number and someone will call you with 24 hours. I called several times and finally received a return call one week later. I was told they would XXXX an explanation to me, which they did not do. I just wanted to know where the difference of {$460.00} was applied - as a mortgage reduction or a check to us. The mortgage banker who made the original loan said we would receive a check within 4 - 6 weeks, which has not happened. I called her again and she said she 'would look into it. ' That was over 2 weeks ago and I have not heard from her since.
My credit cards were stolen XX/XX/2016. When I called into Captial one regarding the issue, I was advised that the case had been created and a case specialist would follow up with me within XXXX business days. Once the month of XXXX was up and I did not hear from capital one, I called the credit card company to inquire about my case and was advise the " case had not be opened '' by a representative by the name of XXXX on XX/XX/2016. After I was told the case was not initiated, I asked XXXX to created the fraud case for me. Again, I was advised to wait 10 business days and the case specialist would contact me. 

I did not hear anything by XX/XX/XXXX, so I called back that Friday, XX/XX/XXXX, spoke with someone by the name of XXXX who claimed to be my case manager. I explained the situation to XXXX and let he know the changes from XX/XX/XXXX were fraudulent. She explained that she would need more time to investigate and would contact me in 10 days and I would be receiving a letter in the mail She explained the process and said I would receive a credit in the balance that was fraud. She also claimed that a new card for each account would be sent to me. 

After a week elapsed, there was no credit card. It is now XX/XX/XXXX. I reached out to capital one and was told that card was sent and maybe it is taking a little while to reach me. After another week, I called to have the cards that were sent as replacements canceled and to send another set of replacements. 

( While experiencing this issue with not receiving cards, my account was not credited during the entire month of XXXX ). 

XX/XX/XXXX, I was able to speak with XXXX again and was told that the investigation was still be processed and that I would hear back in 2 weeks. 

In on XX/XX/XXXX, I called back to have checked the status of my accounts and inquire about the location of my cards. When I was routed to customer service the agent asked me to verify my mailing address, which I provided every time I called in, and I advised my cards has been sent to the incorrect mailing address twice. However, since my cards were being investigated, he was unable to process the replacement and I would have to speak with my account manager, XXXX. After being told this, I asked to speak with here to which I was advised she was unavoidable and would give me a callback. 

The rest od the month of XXXX consisted of me calling Captial one to figure out what was going on with my account a trying to get in contact with my account manager. All the while, capital one is charging interest and late fees. 

I spent XX/XX/2016 calling into capital one and being transferred to different departments, so much so, I was unable to keep a record of the calls and dates. The frustration and time spent has been colossal. 

I was and still am unable to get in to contact with XXXX ( XXXX ) and my credit score is being affected by this.
I have sent multiple certified letters to Transunion about inaccurate information on my credit report. They say I hav e 9 bankruptcies ( which I think is impossible ) and a multiple tax liens, but they say its " verified ''. I ask them to validation of these ( physical proof with my name and signatures ) and they just tell me its verified. I called them to today because now they are saying they have no records on me and then the same day I get a 500 page report with mine and a bunch of other people 's mixed together and it shows they multiple bankruptcies that are not mine. The supervisor was kind of shock with the 500 page report and said i have more than one credit file and he was confused why that was. I need this resolved and they just keep giving me the run around and playing dumb, i.e., we ca n't find your file ... we have it mixed with others ... you did n't give us enough information to verified your identity ... blah blah blah ( I sent them certified copies of my drivers license, social security card and utility bills but I still get the run around. Is n't this a major violation of fair credit act or something. My next move is to contact a lawyer which I want to avoid if at all possible so your my last result.
I would like to formally file a complaint against Equifax, Inc regarding the data breach that included my personal information ( SSN, Name, birthdate, address, etc. ). This was not brought to the public 's attention for over 30 days, including those directly affected by the breach. When contacting the phone number for what Equifax refers to as " The Incident '' on X/X/17, I was referred back to the website I previously used to determine ( www.equifaxsecurity2017.com ) that my personal information had likely been compromised & was told that the only option was for me to enroll in Equifax 's credit protection plan ( which in the fine print negates my legal rights to pursue action against the company. )
Per   XXXX   credit report IC-Collection is maintaining that I owe  XXXX   XXXX   XXXX  my current and landline and Internet provider {$290.00} dating back fro m  2013.  Desp ite my repeated requests for them to provide me with any information regarding this debt they have refused. I do not owe  XXXX   XXXX   XXXX  anything other than my current monthly payment.     I have asked them to correct this information and they have refused.
Misleading and deceptive use of XXXX services to induce customers to buy or lease Lexus automobiles by Lexus Financial Services by promising XXXX months forgiveness of lease payments if a new vehicle is lease or purchased. While they encourage buyer to continue to make payments and providing written assurances that the coupon mailed is valid until XX/XX/2017. Not so and thus consumers are being double charged for XXXX or more monthly payments.
I withdrew XXXX in Euro to my bank account. The transaction is still pending from my bank account. They are still holding my money in limbo without a response. Case # XXXX