WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, Hurricane Irma damaged my town, in Southwest Florida. It resulted in me losing my job. I was unemployed a few months. I fell behind. They allowed me to do a repayment plan. They waited for 3 months after the disaster to report payment history on customers ( XX/XX/XXXX ). From that point forward they reported me late at 120+ days even though I was paying. My issue isn't that though! I was grateful for this assistance. My issue is that I am now paid up to date and they said they will not report it to the credit bureau because I am in a disaster zone. Well, that " benefit '' has been lifted for over 6 months now! They reported me badly all during those repayment months and now that I am completely up to date ( I have XX/XX/XXXX paid as well ), they will not report me current. It shows I haven't paid since XX/XX/XXXX. The disaster excuse is completely an excuse and a lie. When I review the payment history on their website, they take my payments and put them in an " Unapplied Funds '' account. I keep asking that they to not do that, and to pay my mortgage. They claim they are considering it payment for mortgage. There is a major clerical error going on and it's not only hurting me, it's hurting my mother 's credit who co-signed for my mortgage. She is moving into a community that does credit checks. Her credit is in the 500 's because of this! Why are they punishing hurricane victims this way? I made no claims against my insurance policy. I never have! Not reporting on bad credit scenarios is one thing. But those hat are paying should not be punished this way! I am very concerned that if they have this many errors going on, I will likely be file lis pendens upon, and be in a foreclosure status soon.
My XXXX XXXX XXXX XXXX XXXX XXXX credit card recently had a large change in terms after having paid the annual fee. After I found out about it, I called in to complain and was told that the card could be closed, but no annual fee would be refunded since it had been more than XXXX days since it was charged, but that as an apology, they would give me XXXX points, which is not even close to the value of the fee. I recently found out that the representative who spoke to me was either misinformed or lying, and that due to the drastic change in benefits, XXXX was indeed issuing refunds of the annual fee. When I called back, I was able to speak to a supervisor, XXXX, who said while he empathized with my situation, he could not do anything more. I summarized the situation for him that now I had to suffer the consequences for a XXXX error ( or a blatant lie ), and he agreed that that was the case and even said a complaint to the CFPB may be necessary as there was truly nothing he could do to close the account and refund the annual fee.
Referring back to complaint # XXXX with XXXX XXXX, the investigation was completed and XXXX XXXX reported correctly the status of a mortgage account that was transferred/sold back in XX/XX/XXXX. XXXX   and XXXX  both have the information reported correctly on my credit report ; however, Equifax did not report the information as requested back in XXXX. My credit score has been significantly impacted with Equifax due to their error. This error was noticed on XX/XX/XXXX when I was trying to obtain financing for equipment for my business. I contacted Equifax and was told " we do not enter any information without the lender sending it over '' ; therefore, I initiated a dispute with my lender, XXXX XXXX. After the investigation into the matter by XXXX XXXX, the fault for my credit score dropping, dropping and dropping again is due to Equifax not reporting correctly on my report. Provided is documentation backing up my complaint. 
1 ) Copy of XXXX and XXXX credit reports indicating the transferred loan was reported back in XXXX. 
2 ) Copies of Equifax credit reports indicating my score and reporting of the loan in question on the dates ofXX/XX/XXXX ( indicating 2 mortgages open ) ; XXXX ( corrected report with 1 mortgage open ) ; XX/XX/XXXX( no mortgages open ) ; and XXXX ( open loan added back to make report correct AGAIN ). 

As you will see, my credit score went from XXXX to XXXX to XXXX to XXXX in a matter of 9 business days ... without any activity other than the Equifax entries. 

My question is ... Why did XXXX and XXXX get the information posted correctly back in XXXX and Equifax did not? Thru XXXX XXXX 's investigation, the information was sent to Equifax on XX/XX/XXXX, to report the loan as transferred/sold ... so why was it not done??? XXXX XXXX also resent the same information to Equifax on XX/XX/XXXX as a precautionary update and at that time, Equifax removed all open mortgage loans on my report. UGH! 

I am very upset with this entire ordeal, as it has caused me to not be able to obtain lending since my Equifax score is below the 620 threshold my bank requires! This is no fault of mine and I desperately need this score repaired immediately as I need to purchase a {$50000.00} piece of machinery for my business! 

Bottom line -- -- why did 2 out of the 3 credit reporting agencies get the information correct the first time it was reported and Equifax made four different entries on my report causing me to suffer???
XXXX   XXXX  I was th e victim of identity theft / credit card fraud. I pay for the identity theft and monitoring service through USAA as well and followed all directions provided as well as all requested from USAA ban k. Provisional credits were issued on both my affected credit cards and checking account.     However, on  XXXX  card the charges were charged back to me, only to be credited back yet again. At which time  USAA  sent documentation that all credits were permanent. However, a year later in  XXXX   XXXX  without notice, explanation, or even contacting me to t ell me USAA  decided to charge back only  XXXX  of my affected credit card accounts for the finalized fraud/billing dispute a year prior. This is in violation  of Paragraph 13 ( c ) ( 2 ) of Subpart B 1026.13 ( c ) ( 1 ) Effective D ate :  XXXX / XXXX / XXXX  of Regulation Z.
I applied for a TD Go account on XXXX/XXXX/2016 for my grandson who is going to co to college. I have called several times giving my order confirmation # and authorization no. to many of your customer service representatives who at any given time have absolutely no answer as to why this account, or car has not been issued. Each time I call I get a different person of course and they no nothing and I am being told there is no one you can speak to regarding what is happening. I am extremely angry with TD bank as I have been a customer for XXXX years and can not understand this form of business dealing. -- I am at this point going to close all my dealing with this bank and believe me I will tell everyone not to deal with TD bank ever again VERY POOR CUSTOMER SERVICE
We have a mortgage with BB & T on a property in Virginia. In planning the estate we wanted to transfer the deed to the property to our daughter while retaining life estate. In our initial phone calls to the bank, the local branch manager stated that changes to the deed would not affect their current mortgage. After speaking with our attorney, we asked BB & T what language would need to be in the transfer deed to acknowledge the existing deed of trust. After this meeting BB & T stated they would not accept a life estate deed as this would trigger the due on sale clause. BB & T stated that their policy was only deed transfers to Revocable Living Trusts or straight deed transfers were allowable under the Garn St Germain Act of 1982. After reading this act, the law states " a lender may not exercise its option pursuant to a due-on-sale clause upon ... ... a transfer to a relative resulting from the death of a borrower ( or ) .... a transfer where the spouse or children of the borrower become an owner of the property ''. It is our opinion that if this is in fact BB & T 's policy that life estate deeds trigger the due on sale clause, then this does not comply with the intent of the law.
Ic systems never sent any debt verification to allow me to dispute as I have never had XXXX
From XX/XX/XXXX-XX/XX/XXXX 25+ phone calls made 19+ representatives/supervisors 6 requests to have calls pulled 51 business days, 73 calendar days unresolved. Company is claiming that our account was at one point 30-60 days delinquent and has been FALSELY reported to the 3 credit bureaus. It was reported on XX/XX/XXXX that the XX/XX/XXXX payment was 30-60 days late. We have had calls pulled and transcripts reviewed documenting that the account was never 30 days delinquent. This information was provided to us in letter form, outlining what occurred on the calls but is still being prefaced with there is no bank error and it is still the account holders error. HERE ARE ALL OF THE EXACT PAYMENT DATES WHICH CAN BE VERIFIED THROUGH EVERY SINGLE PHONE CALL!!!!!! THE ACCOUNT WAS NEVER MORE THAN 16 DAYS LATE!!!! XX/XX/XXXX - Account was opened. XX/XX/XXXX - {$84.00} payment due - payment made XX/XX/XXXX with live representative XX/XX/XXXX - {$84.00} payment due - payment made XX/XX/XXXX with live representative XX/XX/XXXX - {$84.00} payment due - payment made XX/XX/XXXX along with the XXXX payment with a live representative XX/XX/XXXX - {$84.00} payment due - payment made XX/XX/XXXX through automated system in the amount of {$160.00} XX/XX/XXXX - {$84.00} payment due - payment made on XX/XX/XXXX through automated system with XXXX payment XX/XX/XXXX - {$84.00} payment due - payment made XX/XX/XXXX with live representative XX/XX/XXXX - {$84.00} payment due - payment made XX/XX/XXXX through bank website XX/XX/XXXX - received notification that there was a change to our credit scores and found that it was reported our account was 30-60 days late. We contacted the customer service department to find out what happened. On this call, the representative acknowledged there was a system error that post dated our XX/XX/XXXX payment to XX/XX/XXXX causing the system to think the account was late. The representative removed the XX/XX/XXXX late fee, submitted a dispute on our behalf to have the credit report error fixed, and assisted us with getting the payment processed that was pending and making the next months payment for XX/XX/XXXX. XX/XX/XXXX - it was reported to the credit bureaus that XX/XX/XXXX was 30+ XX/XX/XXXX - we were told that the XX/XX/XXXX payment is what was 30+ days late because there was no payment showing on the XX/XX/XXXX statement. No calls were pulled per request even though the XX/XX/XXXX payment was made on XX/XX/XXXX XX/XX/XXXX - we were told that the XX/XX/XXXX payment was 30+ days late. XX/XX/XXXX payment was made on XX/XX/XXXX On four different occasions, four separate representatives told us different dates that were late. We were told XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and then XX/XX/XXXX in that order. There are inconsistencies from what they are telling us, what was discussed on the phone calls, and what they reported to the credit reporting agencies. Additional documentation attached.
I.Q. Data called my phone on XX/XX/2018 to discuss a debt that I had already disputed in writing. The first lady on the phone seemed nice and acted as if she was understanding the situation that my old apartment complex had put me in. She tried to tell me about laws regarding age of carpet and charges to tenants. Then her supervisor XXXX got on the phone and was yelling at me about how I needed to give them my credit card information right away or else it would show up negatively against me. I let her know that I did not feel comfortable giving out that information and she proceeded to tell at me about how i was refusing to pay. I repeated that I was disputing the charges and she hung up on me. The company still has yet to investigate my dispute.
Northest Collections Agency XXXX. They have the wrong phone number, I have repeatedly asked them " nicely '' to stop calling to no avail.
Dear Transunion, I checked my personal credit report, which I acquired from your company on XX/XX/2018 and I noticed that there was a Fraud/Security Alert placed without my authorization. Regardless of the reason for the alert, please immediately remove the fraud/security alert from my credit report/profile. In addition to this, I am giving you advance notice to NEVER place such alert ( s ) on my credit report/profile without my EXPRESS CONSENT. I have attached a copy of my Social Security Card and a copy of my California Drivers License for verification. Thank you in advance. 
Very Respectfully, XXXX XXXX ( XXXX ) XXXX
Affidavit of Denial XXXX XXXX XXXX COMMONWEALTH OF XXXX XXXX OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of XXXX and am a resident of the Commonwealth of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 

2. I suffer no legal disabilities and have personal knowledge of the facts set forth below. 

3. THIS IS NOT A DEBT VALIDATION LETTER Date : XXXX/XXXX/XXXX Dear American Coradius International LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Account Number : XXXX Reference Number : XXXX Amount Balance : {$5600.00} FTC Identity Theft Report Number : XXXX Victim Fraud Assistance Department I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. I deny this debt as I am a victim of identity theft. 

Please provide me with the following : 1. Agreement with XXXX XXXX XXXX that authorizes you to collect on this alleged debt 2. The original non-electronic agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete non-electronic scan payment history on this account along with an accounting of all additional charges being assessed 6.  Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ). If your office fails to reply to this denial letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX cc : Pennsylvania Attorney General Office cc : Better Business Bureau cc : Consumer Financial Protection Bureau cc : Office of United States XXXX XXXX XXXX
So a couple days ago ( XX/XX/ ) I purchased XXXX which my bank ( Suntrust ) allowed me to do but I had to call and verify the transaction. I just moved down to Georgia and got my first paycheck. After my move funds have been tight so I deposited my first check in the amount of {$5100.00} to a Suntrust ATM on the night of XX/XX/. I tried accessing my account online today ( XX/XX/ ) and have found out by calling that my account has " violated terms and conditions '' which was information disclosed by a customer service representative. I don't get paid again until ( XX/XX/ ) and a lot of bills will be due at the same time. I know I am making this complaint early, but I have seen the horror stories associated with banks such as Suntrust freezing money of their clients while they " research the account ''. My account has been open for less than a month now and that was the only transaction that set off a flag and had me call to verify which I thought was standard buying cryptocurrency. If this does violate their policy I would just like my money as soon as possible. I asked the customer service representative where I could find the terms and conditions of the account and he claimed " the only place to find this would be through your online account '', which I have no access to. It feels like I'm being taken advantage of already and I am willing to own up to it if I am not allowed to purchase cryptocurrency. If that's the case I should have read the fine print. I would just like my money so I can start an account elsewhere or to have this issue resolved in anyway possible.
In complaint XXXX, Green Tree responded that " As a customer courtesy, Green Tree is updating your account to report as current with the credit reporting agencies for the first 90 days of your account transferring to Green Tree from your prior servicer. '' They have not done so - XX/XX/XXXX and XX/XX/XXXX are still showing as " not reported '' at the major credit bureaus. 

As stated in that complaint, non-reporting creates a RICO-violating " racket '' by which customers are forced to patronize Green Tree Services without their consent. This is a criminal offense, and I would also like some advice from the CFPB in how to pursue pressing charges.
Citigold customer service has sent a letter denying my {$400.00} promotion for opening a savings plus account and depositing XXXX with them. Every representative officially has confirmed that i should be getting the {$400.00} promotion in my account. I am including proof of that as well. My frustration is that after waiting for 6 months, citi has declined paying out the promotion. I would like to be compensated for all the inconveniences in additon to the {$400.00} promotional offer.
they keep collecting on a debt that is not mind i never rented a car from the dealer is all fruad i wrote to them told them i disputed this debt and there still refusing to send me proof they claim that they have an invoice which is not mind i never signed anyting with these people
My husband and I lived at this apartment complex for one year. We were provided a move out amount which we paid in full and had a walk through during which there were no damages pointed out. Months after moving out of the complex, the complex claimed there were damages and that we owed more in rent because they provided the incorrect amount earlier. I tried to reach the property manager several times to discuss these charges but they never answered my calls/emails. Months after this, they sent my account to collections. I provided the collections agency with the inventory list that I was provided when I moved out and proof that we paid the full amount we owed on the account when we moved. They contacted the apartment complex about the dispute and they simply stated that we owe more and they are refusing to erase this debt despite the proof I have presented. They also refuse to provide any visual proof or inventory list of the damages.
I am forming a complaint against both companies XXXX XXXX and TransUnion. In XXXX XXXX I became late with my XXXX XXXX loan. A letter was sent to my home in XX/XX/XXXX from XXXX XXXX in reference to them taking me to court on default of my loan. 
On XX/XX/XXXX, I went into my local XXXX XXXX office located at : where I made a payment of {$210.00} which included my XX/XX/XXXX and XX/XX/XXXX payment. I spoke with a female customer rep that handles court judgments ( I believe her name was XXXX or XXXX, whomever handles judgment accounts ). I signed paperwork that removed the court filing and made me agree to on time payments going forward. At that time I was told the judgment and collection information would be removed from my account in 30days. A month later XX/XX/XXXX my Transunion and XXXX still showed the account was closed and no payments was shown received. I called XXXX XXXX the local branch that handles my account again and told them that my account was still showing closed, they told me my account was not closed and suggested I send my the credit reporting companies my payment history. On XX/XX/XXXX I sent Transunion my payment histories printed from my online account history to dispute the inaccuracy that my account was showing which was an inaccurate account balance, no payments showing since XX/XX/XXXX and that my account was not closed/collections as being reported. I also called XXXX XXXX Customer Service on XX/XX/XXXX at ( XXXX ) XXXX ) I spoke with a female Customer Rep by the name of XXXX. I asked her if my account was closed she confirmed it was not. I told her the issue I was having with my credit reports showing my account was closed and not reporting payments or accurate balance. She told me to fax over my credit report to fax ( XXXX ) -XXXX so that she can see how it was reporting. Once we hung up 10 minutes later she called me back and stated she called the local XXXX XXXX office at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MD ( XXXX ) XXXX spoke to the office manager explained the issue and that I did not have to fax over my credit report as she requested before and that the branch manager said they would contact the credit companies and send them correct information about my account that is was not closed/collections and also send my payment history and balance. A letter dated XX/XX/XXXX from Transunion was mailed to my home stating that they would not change the information that they had that it was confirmed correct. The information is not correct so that is why I am submitting this complaint. I have included the following documents with my compliant : 1. Payment history screenshot from on online XXXX  account showing all payments made on time since XX/XX/XXXX 2. A download of all payments since my account was opened from XXXX account 3. Fax that was sent to Transunion and all supporting documents I sent them. 
4. Response letter from Transunion postdated on XX/XX/XXXX I am only requesting that the record is reported correctly, showing my account is not closed and not in collections, showing all payments are being received and showing and accurate balance.
I have three hard inquires one is from On-site Manager Inquiry from XX/XX/XXXX, I never heard of them before. As well as I never applied for anything in XX/XX/XXXX. That's false identity and consent. Secondly, I have two hard inquiries from XXXX XXXX Bank Usa Inquiry from XXXX XXXX, XXXX and XX/XX/XXXX. On XXXX XXXX they had advertised credit card base off your credit score. Around that time, they had offer XXXX XXXX and it stated free credit check, no hard inquire for applying. I had applied not knowing it would affect me later on, until I saw it on my credit report. I have tried to dispute this case but no action has been taking place.
I am well advised that Transunion experienced a glitch in XXXX and XXXX that caused all inquiries to be removed from consumer reports. It is illegal for inquiries to be re-added to a report without notifying the consumer within 5 days of intending to add them. My rights have been violated and this has caused me financial hardships. I have called transunion on XX/XX/XXXX. At XXXX, I spoke with XXXX XXXX She was unwilling to remedy the situation and claims that I was not affected by the glitch because my inquiries had not been on my report from 2 years before the glitch. This is inaccurate information.
Company calls multiple times a day even after being told not to. 
Will not answer any questions about who they are. 
Will not validate the " supposed '' debt Caller has identified themselves as either XXXX XXXX or XXXX XXXX. 

Phone number lookup identifies the company as American Collection Services. However, no one who calls will tell me the name of their company.
I sent documentation to the three credit bureaus to remove XXXX XXXX XXXX from my credit report along with a letter from XXXX XXXXt. The file was not removed from Transunion.
My indentity was stolen and now I have hard inquiries on my credit report that werent authorized.