WillisBack/dataset-financial-user-claim huggingface dataset:
This was a revolving account in which I paid Wells Fargo National Bank. There fore I am requesting XXXX XXXX be totally removed. As far as Wells Fargo goes, I never missed a payment, but was late on one. But paid the agreed upon contract amount. Instead of calling me as the cosignor, they called my daughter who is a college student. I thought they were offers of credit increases when she told me they called, because they had called before. When I pulled my credit report and realized the account was closed, I called them and asked, how can you close an account in which you are receiving an on time monthly payment on, and they said, it was several months where I did n't pay the full amount and they called the cosigner, XXXX XXXX. I told them I was the cosigner. And then I asked, since they knew I was an XXXX, why did n't they call me? They told me they could only call one person on the account and they chose to call her. I asked them, Where was that law? Needless to say they did n't have an answer. I informed them that all it took was a simple phone call to me to could have resolved this before they went to the extreme. I told them that I was legally entitled to receive a phone call especially before they closed the account. I informed them that I was paying the account off shortly and I did. I opened this account to assist my daughter in building credit and this is ruining her start on life. I made 13 consecutive payments and this account was closed because of negligent policies and personnel being lazy.
There is an collection that is reporting on my credit file that does not belong to me. Please assist me in getting this item removed from my credit file. The account number to this collection is XXXX.
I filed a complaint against XXXX XXXX because they were incorrectly reporting to the credit bureau. Their response was a copy of my payment history which was not what my complaint was. 

I did a volunteer surrender in XX/XX/2016 of my vehicle. Since then XXXX XXXX have sold the vehicle, which they did not provide me a copy of the sale. In addition XXXX XXXX did a write off for a loss with the department of XXXX. 
Upon further research I learned that since XXXX XXXX was able to use my account as loss they should not be reporting to the credit bureaus.
I sent transunion a dispute with copies of verification of items being removed and re-inserted on the same day, on XX/XX/2017. Today I called them and told them I have not received anything from them and asked for status as it has been over 30 days. I spoke with XXXX. 
When I disputed back in XXXX, which XXXX, confirmed over the phone, I did n't receive a written status update or update credit report from Transunion. So today I asked them to remove the accounts I disputed on XX/XX/2017 because they have not responded in the time allotted by law and was told that it was previously ( XXXX XXXX returned from the creditor as " verified '' I have charged off accounts showing balances and reporting charged of monthly which should not have a balance " XXXX '' and should not report as an open account and tansunion does not want to delete this false information. I 'm frustrated because ive been reading the laws and I 'm disputing based on the laws but transunion is not complying.
I opened on-line, on the Citibank website promotion offer page, a new packaged checking and savings account with Citibank on XX/XX/2018 using their {$400.00} promo offer. I deposited the required {$15000.00}, new money from a new customer, across the two accounts at a branch on XX/XX/2018. Their requirement to receive the {$400.00} was to maintain that balance for a minimum of 60 Days. After that they would deposit the {$400.00} into your account within 90 days. I maintained the balance of {$15000.00} from XX/XX/XXXX till XX/XX/XXXX, a total of 72 days. I then withdrew {$5000.00} from the accounts, leaving a balance of + {$100000.00} to avoid the monthly service fee of {$25.00} for the two account package. The following month, XXXX, they charged my checking account {$25.00} anyway. After 4 phone calls and arguing they finally gave me my {$25.00} back. Only to do the same in XXXX  but this time they took {$25.00} out of each account. I agreed with the checking fee but not the savings account as I had withdrawn money dropping below the {$10000.00}. I did that because I was scared to death of what this bank is capable of doing. The {$25.00} fee was for the packaged accounts not each account. I did get that {$25.00} back. NOW after fulfilling all the requirements to receive the {$400.00} they are refusing to pay me that bonus because " I didn't do a direct deposit. '' THAT WAS NEVER A REQUIREMENT. They make this XXXX  up and lie to avoid paying the money they owe you after you fulfill the terms of the agreement. Three times in one month Citibank has tried to cheat me out of money. I am a senior citizen living on SS and a small pension and this is what they do to their new customers. What has this country come too. I have attached 15 Files proving all of this.
I opened a new account with Citi Bank using a {$400.00} bonus offer. During the account set up procedure a security issue ( on their end ) resulted in a delay in the account being funded. This was going to cause me to potentially miss the funding deadline to receive the bonus. 

I contacted citi bank support and was told that it should not be a problem. The issue could be addressed if I called in at a later date and explained the situation. The bonus could then be applied. 

I waited a couple of months and then contacted phone support. At that time I was told that it was too early to verify whether I had met the bonus requirements. 

A month or so later I contacted support through chat. This time I was told that the bonus had been applied. 

About a month later I received an email stating that my bonus had been denied. I contacted support and explained that two previous agents and said the bonus would be applied. I was told that when they checked my account an investigation had been started 90 days before, but a new one would have to be started that could take an additional 90 days. 

At this point, XXXX  has held on to my money for longer than required to receive the bonus. Had support told me from the beginning that I was going to be ineligible for the bonus, I would have closed the account and moved the money somewhere more useful. However, because XXXX  support advised me that the bonus would be forthcoming I left the money in place. I'd like to move the money if the bonus is not going to be awarded, but I'm stuck in limbo because of the additional 90 days of investigation.
On XX/XX/2018 I sent Certified Mail and Return Receipt requesting physical verification of the original signed consumer contract under the FCRA. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). Today as of XX/XX/2018 they have failed to positively verify my request.

XXXX XXXX XXXX, in the amount of {$10000.00}
My husband and I were approved for a mortgage with Endeavor America, almost a month later the lender changed the terms and established a deadline which stated we needed to close by XXXX XXXX. Endeavor never notified my broker, agent or myself in writing or verbally of this new deadline. My team pushed to get the loan closed by XXXX XXXX for other reasons but was told by the lender that they did n't have anyone in the office who could complete our loan because everyone was on vacation or was busy working other files causing us to miss their newly imposed deadline they never told us about. Sometime in XXXX we received a call from the Endeavor underwriter, during that call she explained that they ( Endeavor ) made a mistake by not notifying my broker and agent and that they were sorry for the inconvenience. She also stated that my broker and agent was completely unaware of the newly imposed deadline because she had somehow missed putting the notification on the approval and never sent the new terms. In XXXX my broker spoke with an Endeavor representative about another file and was informed that " they do n't do that type of loan any longer '' so my broker asked " what about my XXXX file '' and the representative told him everything was fine. Shortly after we were notified of the cancelation. They then told us they would only make the loan if we gave them an additional XXXX XXXX XXXX dollars when our original down payment was around XXXX XXXX dollars.
I rented an apartment located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX AKA XXXX. I moved out when my lease was up and checked with the front office in charge of managing the building to see if any payment was owed. I was told I did not owe anything. Less than 1 month later, I receive a letter from a collection company, stating I have a debt owed to XXXX XXXX XXXX. Despite my due diligence, I never received any notice of debt or an invoice before account was sent to collections. No prior attempt was made to make me aware of debt in question, let alone collect said debt. Debt was also posted to my credit report before any contact was attempted with me.
Loan # XXXX Bank of America Home Loan, I XXXX XXXX, I submitted all of my paperwork to Bank of America for a Modification review. I spoke with my customer relationship manager on XXXX, XXXX 2018. She specified I submitted all of the correct paperwork to to finish my modification review, now I am waiting on The Appeals Department with Bank of America to send me a answer on the paperwork I faxed over to them almost 2 weeks. This is so frustrating to me. I need to keep my home. I have submitted everything the Bank has asked for and now still waiting on a answer with the Appeals Department. Whats else do I need to do? I did everything possible. I have sale date on my home for XX/XX/2018. I been working with XXXX also, and they are helping me also with this process. XXXX
ChexSystems Inc. refuses to provide me with any information regarding my ChexSystems file and will not confirm or deny the existence of an investigation even after I disputed records on multiple occasions.
I already had initiated a complaint against DM motors because of an illegal repossession that cost me my job daycare issues and humiliation because they acted as if I was seriously behind yet the payment was n't even due. Then repossessed it and was very rude toward me. I initiated that complaint in XX/XX/XXXX, and it was brought to their attention in XX/XX/XXXX. They proposed a settlement offer but my reasonable outcomes I suggested initially were many months ago and based on a prompt solution not months later. Their offer of {$500.00} plus demanding me to remove any complaints I filed I declined. It cost me well over that by losing my job having people know I was repossessed even though it was n't even supposed to happen plus a day fdaycare I had to pay even though my child did n't go, I do not feel removing any complaints is even a fair suggestion because people need to know this happened and how the business is run. I 'm not the only one who has had trouble. To day I have many mechanical issues with the van as well. I have called and called, emailed, XXXX every way possible but not a single person responds or returns a call. Even for account. Nobody even acknowledges me. Not a proper way to handle a customer.
I currently have viewed my credit report and have noticed inaccurate items such as inquiries tat I did not authorize on my credit report
On XXXX XXXX, 2016 I submitted a payment for my remaining loan balance of {$1500.00}. This resulted in my loan being paid off. On XXXX XXXX, an additional {$500.00} was deducted from my account, which is the regular ACH payment that I had set up. I contacted customer service to ask them to release the funds back to my bank account and I was told that I would have to wait up to 30 business days to receive a check for the stolen funds. 

The Payment Request notification that I received states : " You 'll receive credit on your account as of the payment date listed. '' If my loan was paid off, and showed to be paid off, then why has Great Lakes continued to fraudulently deduct money from my account? 30 business days is entirely unreasonable, especially when Great Lakes is in the wrong. My account should be credited immediately. If that is not possible, a concerted effort needs to be made to issue the check immediately to mitigate my loss. Great Lakes had no problem charging me a daily interest rate of 6.55 %, but seems to think it is acceptable to drag their feet for up to 6 weeks and hold onto my money interest-free! 

When I asked customer service to reverse the payment, they said that only my bank could do that. I contacted my bank and they advised that Great Lakes initiated the ACH, so only they could reverse the payment. It seems that Great Lakes is intentionally failing to take action in order to maintain control of the funds that they took without authorization.
I tried to apply online for a checking account and it says on the letter that I received that I was on  XXXX  as reported by Ban k of America. I do n't own that account. I have no account on Bank of America..
My husband and I received a loan for XXXX on XX/XX/XXXX We have made 6 payments every two weeks for XXXX totaling XXXX. I called on XX/XX/XXXX to payoff loan and they asked for another XXXX to pay the loan off. I do not believe that they have applied any of my payments to the principal. They kept telling me that I still needed to pay for interest that was to paid throughout the original term of the loan. I advised them that I am paying them early so that does not apply to me.
An unauthorized charge dated XX/XX/2018 was made in the amount of {$1800.00} XXXX. I took a taxi from the airport to a downtown hotel and the flat fee was {$40.00} plus I added a {$8.00} tip to the card reader. The taxi driver apparently swiped my card to another device which captured my account number from the magnetic strip. After I left the taxi the taxi driver drove to a location 1.3 miles away and canceled my original transaction and manually entered my credit card number and charged me {$1800.00}. The taxi driver used XXXXXXXX XXXX to process the fraudulent charge. XXXXXXXX XXXX provides for signatures to be recorded by an electronic device such as a tablet and generates a receipt with the location of the transaction indicated on a map. The taxi driver forged my signature on a fake receipt using XXXX XXXX. 

I received an alert from American Express about the charge which I noticed early on the morning of XX/XX/XXXX and I contacted American Express to tell them that it was a fraudulent charge. XXXXXXXX XXXX sent American Express the fraudulent receipt forged by the taxi driver and closed my dispute and told me that in their opinion it was not a fraudulent transaction and that I needed to resolve the over charge with the merchant myself. 

The charge to my account is listed as from XXXX and XXXX. I can not find such a company on the internet and assume it is not a legitimate business. I requested in writing that American Express provide me with the legal name and address of the entity charging my account so that I can file a report with the police. American Express ignored my letter and just sent me form letters. I called on several times and requested this information and was told that they could not provide me with the legal name of the merchant.

American Express does not investigate fraud and does not provide any customer service in dispute resolutions. I can not get anyone at American Express to look beyond the fraudulent receipt provided by XXXX XXXX.
JPMorgan Chase ( " Chase '' ) is over-reaching their ability to capture tax escrow funds by accelerating the City of XXXX property tax due date by 2 months or more since the tax due dates are not due for year 2017. After contacting Chase about the revised escrow disclosure their escrow department was unable to provide proof of when City of XXXX property taxes are due for year 2017.
Since XXXX of 2018, I have called Capital One to STOP sending me credit card offers. My calls seem to generate more offers. Now from the latest offer, the people just hang up on me after waiting to get into a live person for 20 minutes. I want these to stop. Yes, I'm on the opt-out list!!!
XXXX Co {$2500.00} dollars for a shelf corp see attach Was scammed and want Wells fargo to close this fraud account and refund my money Account money was tranfered to XXXX fargo account number XXXX routing number XXXX
XXXX XXXX XXXX XXXX XXXX and their collector, Convergent Outsourcing failed to properly inform me for when the dept was incurred, leading to believe that I was being Over Billed.
This account is fraudulent and they will not delete the trade line even though its been disputed twice and the original creditor acknowledges they have no knowledge of account.
I originally had a title loan with XXXX XXXX of XXXX, AL in XX/XX/XXXX. On XX/XX/XXXX, when I made my payment to the store where I originally received the loan, I was told the next month my payment would be due at a different location, XXXX. When I started getting calls, I did not recognize the number and out of 7-10 received between XX/XX/XXXX and XX/XX/XXXX, I was left two messages that simply said " XXXX, please give me a call at XXXX '' with no other identifying information. On XX/XX/XXXX, I called the number back at XXXX, found out who it was, explained that I was leaving to go out of town, that I would be back on XX/XX/XXXX and I would be in as soon as I returned home. On, XX/XX/XXXX, my mother called me to tell me the title place was looking for me, I needed to call them, etc.. I called XXXX again at XXXX, explained I was still out of town, I had already made a payment arrangement, etc. I offered to make the payment while on the phone with my credit card and was told they could only take debit card payments over the phone. On XX/XX/XXXX, I received another phone call around XXXX, again I explained that I was out of town, that I had already spoken to two other people, and ask that they have their manager call me. On XX/XX/XXXX, at XXXX, the store manager XXXX called to tell me I was getting repeated calls because my account was late, her employees weren't authorized to make payment arrangements after an account was 5 days late, she didn't know who I spoke with because their were no notes on my account, I gave her the dates and times of when I had spoken to someone, and she said ( quote ), " okay, well there's no notes on your account so I don't know who you talked to but they can't make payment arrangements over the phone after your account is five days late. '' She proceeded to tell me that she didn't know how XXXX operated but her store didn't work that way, I needed to come in to make sure I understood how they operated, and again, I offered to make the payment over the phone, and she told me she didn't do phone payments at all, but to make sure I didn't break my payment arrangement. I have proof of dates and times when I spoke with their employees and first, they continue to call five times after my initial arrangemnt, they call my reference after my initial arrangement, and the manager basically calls me a liar when I tell who I spoke with and when.
I am writing to exercise my right to request verifiable proof of the negative events you have listed within my credit file. The 15 U.S. Code 1681g - Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE. 

1. XXXX 2. Judgement XXXX XXXX 3. Inquiries Name of Company Date of Inquiry Type of Business EXPERIAN BUSINESS CR XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX XXXX/XXXX/XXXX Wholesale XXXX XXXX XXXX/XXXX/XXXX Finance XXXX XXXX XXXX/XXXX/XXXX Finance EXPERIAN BUSINESS CR XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX XXXX/XXXX/XXXX Finance XXXX XXXX XXXX/XXXX/XXXX Wholesale XXXX XXXX XXXX XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX/XXXX/XXXX Wholesale XXXX XXXX/XXXX/XXXX Finance XXXX XXXX XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX Banking XXXX L XXXX/XXXX/XXXX Finance XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX EXPERIAN BUSINESS CR XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX Wholesale XXXX XXXX/XXXX/XXXX Banking XXXX XXXX/XXXX/XXXX Banking EXPERIAN BUSINESS CR XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX Finance EXPERIAN BUSINESS CR XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX Wholesale XXXX XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX Banking XXXX XXXX XXXX/XXXX/XXXX Finance XXXX XXXX XXXX/XXXX/XXXX Finance XXXX XXXX XXXX/XXXX/XXXX Finance XXXX XXXX XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX Banking XXXX XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX Automotive XXXX XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX Banking XXXX XXXX/XXXX/XXXX Finance I expect that you will provide verifiable proof as required under the 15 U.S. Code 1681g - Disclosures to consumers within 30 days. If you are unable to provide such proof within that time frame, I expect these negative events to be removed.! Please communicate your intentions in writing.!
Hello, On Monday XX/XX/18, I was told my new credit card account was closed. This was after discovering it went under periodic review XX/XX/18. 

I suspect this is because I wanted to pay my mortgage AT THE CHASE BANK and instead of charging the card a representative attempted to do a cash advance of over {$4000.00}. 

This was not my fault and I feel cheated that I lost my card over a rep messed up. 

Please help me get this card re-instated. Im picky about my credit and this was not a simple decision.
Experian continuously reports inaccurate information on my credit report, including a bankruptcy after requesting proof of validity and verification multiple times. 

I followed their processes and disputed this inaccurate information multiple dates including XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX via certified letters and by following their disputing process online as well. 

Experian has no right to maintain information which the government has deemed nonexistent. Inaccurate information or case, civil or otherwise, which is dismissed and was not adjudicated. 

Pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, Experian is refusing to delete this information from my credit report.
EAGLE MORTGAGE IS VIOLATING THE LAY BY PAYING COUNTY LINE PROPERTYS FOR MORTGAGE BUSINESS IN XXXX. THEY HAVE BEEN VIOLATING CFRPB RULES XXXX NMLS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
XX/XX/2018 Capital One bank reported unrecognized hard inquiry on my XXXX   credit report
First, a Wells fargo rep gave me an incorrect amount to bring my account up to date. I was {$6.00} short, so they put my acct as delinquent. The second time, I called to verify a payment and I was told that it was processed. Then I get a call saying my account is 90 days past due. I pay late fee after late fee, but the bank does not want to take accountability for their mistakes.
Late XXXX, I sent out a letter to Equifax to dispute inaccurate reporting. In my letter I requested that all NON-ACCOUNT HOLDING INQUIRIES OVER 30 DAYS OLD BE REMOVED.