WillisBack/dataset-financial-user-claim huggingface dataset:
I paid off my XXXX XXXX XXXX account back in XXXX 2016. For some reason XXXX has left a {$9.00} balance and I have disputed the balance over and over. Also, when I call to have them remove the {$9.00} balance they say my account is with XXXX XXXX. XXXX XXXX has no account for my XXXX balance. I would like this removed off my credit score ASAP as I do not owe any balance on this card.
I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX Chapter XXXX Bankruptcy XXXX
I received a letter from US Bank that my insurance policy is not acceptable. They state that the investor requires that the deductible not exceed five percent of the policy limits. I live in a condo and it is insured through my condo association. I also carry a personal policy. My condo is adequately insured. No loan documents state the deductible requirements. My personal policy is for {$18000.00} with a {$1000.00} deductible. I called US Bank and the representative told meI have to get my coverage increased or deductible lowered on my personal policy. I 've had this loan for less than a year and my current coverage is the same and was accepted when I took out the loan. My loan balance is only 60 % of the appraised value. The representative told me if I did n't change the coverage amount or deductible they would not accept my policy and force place coverage and increase my monthly payment.
I had car XXXX XXXX XXXX with them I had the car accident in it the car someone hit me the gap insurance an d their insurance paid the rest and they want remove it off my credit Exeter fianc XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX
My loan payments were always sent on time. I keep explaining this to Transunion but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
On XX/XX/XXXX At XXXX I received a voicemail from XXXX XXXX XXXX XXXX regarding a debt that was owed to Tebo Financial. I contacted the company and spoke with XXXX and advised him that on XX/XX/XXXX I had filed chapter XXXX bankruptcy and that this debt was included in the case. I provided the representative with the case # XXXX, and the representative continued to try to collect on this debt. When I advised him that he was in violation of the bankruptcy laws once given this information ; the representative continued. I ask to speak with his supervisor and also advised him that upon given the bankruptcy information calls and collections must stop. 

XX/XX/XXXX at XXXX ; I received another voicemail from XXXX XXXX XXXX that was and automated message, so I called the company again and advised that calls are to be stopped, and Spoke again with XXXX and was advised that was automated system. 

XX/XX/XXXX at XXXX XXXX ; I again received another voicemail from XXXX XXXX company regarding the same debt for Tebo Financial, and again spoke with XXXX. I advised him once again that they were violating FDCPA, Bankruptcy, and other laws since they were given the bankruptcy information and I informed them if the calls continued I would contact the Bankruptcy court, and file a complaint. 

XX/XX/XXXX at XXXX XXXX : I received another voicemail from XXXX XXXX XXXX from representative XXXX. I returned the call and advised XXXX that I had already provided the information regarding the Bankruptcy information and that there are to be no more calls. The representative stated that there were no records of this information, and that he would look into it and ask if he could call me back. I advised him that he could not call me back that the information was already given, and he could check that Bankruptcy court. I received another voicemail on XX/XX/XXXX at XXXX. 

XX/XX/XXXX at XXXX XXXX, XXXX XXXX, and XXXX XXXX I have received voicemails from XXXX again asking to return call regarding this debt. This has now become harassment and I want this company stopped
I have two credit card accounts with XXXX XXXX. ( XXXX XXXX XXXX &   XXXX XXXX XXXX  ) On XX/XX/XXXX of this year a salesperson at XXXX XXXX XXXX requested an increase on my XXXX XXXX XXXX credit card. Instead someone at Synchrony raised my XXXX XXXX credit card amount and put the first charge from the XXXX XXXX XXXX retailer on that account. I have called and done a live chat with Synchrony and instead of just transferring the increase from one card to the other they lowered the XXXX XXXX card and then refused to up the XXXX XXXX XXXX card. This is clearly their mistake and now all these mistakes will be on my credit report not to mention now I can't purchase the kitchen renovation that I thought was all on order.
A non-requested, unapproved, possibly identity theft hard inquiry or opened account was made by and through : XXXX/WALMART XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
I have contacted all three credit bureaus numerous times indicating I never asked these companies to run my credit and wanted proof that i was indeed me. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX They have never provided me with my signature or proof of any kind with any of these companies.
There is 2 Hard inquiries on my credit report that is not mine they are XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX which is hurting my score I want them removed
Hello. 

I am filing this complaint due to an issue with the promotional bonus on a CitiBusines XXXX credit card not being honored. The promotional bonus was XXXX XXXX miles if {$3000.00} in spending is completed within the first three months. The spending was completed as required and Citibank is refusing to honor the bonus stating that it is only available once every 24 months. I can confirm that there was no restriction on this application stating that this bonus was only available after 24 months. 

I sent a secure message about this but there was confusion because they claimed I was already provided the miles on XXXX/XXXX/XXXX. However another representative looked further into this and was correct in determining that those miles were provided to my account due to an error on another card account ( ending in XXXX ). So to be clear, they finally honored a bonus they were disputing on another credit card account, but made it clear that they could honor this one with evidence regarding the promotional bonus. So, they then requested evidence that my current account number ending in XXXX had a bonus associated with it. Including the request Please send a copy of the front and back of the offer you received on your Citi Business American Air World account ending in XXXX. 

This request for front and back does not make sense, however. There is no front and back of an offer. This was an online application link that was not related to a mailed offer. Below is full link that was used at the time : https : //www.citicards.com/cards/credit/application/flow.action? XXXX & XXXX & XXXX & XXXX & XXXX The evidence I can provide are screenshots from my application. It is clear that they do not show any language relating to the bonus not being available within 24 months of any AAdvantage card being opened or closed. 

I already faxed this dispute directly to Citibank with evidence on XXXX XXXX, XXXX and have received no response. On XXXX XXXX, XXXX I sent this same dispute by mail and in almost a month have received no response. So now I am forced to file a complaint with the CFPB regarding this issue. 

Thank you for looking into this and your prompt response.
I bought a piece of jewelry from XXXX XXXX using their relationship with XXXX XXXX XXXX. This transaction totaled about $ XXXX and was made up of two different balance timelines ; one for about $ XXXX and another for $ XXXX. A return also occurred on one transaction that was removed from the balance. I paid off what I thought was the entire balance within the required time frame, but had miscalculated by a few thousand dollars because of the return. I was a few weeks over the line on this small remaining balance and was assessed a finance fee of XXXX on about a $ XXXX balance. Discussions to bring this to a reasonable conclusion failed terribly as they were unwilling to compromise. 

To make matters worse, they have assessed a late fee on a remaining balance of {$25.00} that I did not know about. Now they want {$56.00} in total. This was not a balance that I had financed with them but another fee. 

The just outcome would be a total return of the interest balance that was paid to them. I had made my payments in good faith and even paid the interest balance to make sure nothing ended up affecting my very good credit rating, however being so unreasonable with a credit report to threaten is a bully 's approach of doing business. 

I will not do business with them or anyone that they finance in the future unless this is resolved, and I will make sure other consumers know about it as well.
I was out of town and someone used my debt card for several transactions. I informed Chase of this error in conjunction with the overdrafts fees with these funds not being available in my account.
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. I did n't even know that equifax had my information until I checked using their website.
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. Especially when customers ca n't easily tell which credit monitoring companies have your information.
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
I have tried over 6 times to get my loan re certified for the income based repayment plan. When I finally did get my loans into the repayment plan I have a monthly bill of {$120.00}. I've told Navient numerous times that I cant afford a monthly bill. My income is the only income available to pay bills. I'm paying rent, car insurance, water bill, electric bill and oil heat bill. On top of the bills I also have to pay for groceries. I'm struggling and I need proper assistance. Navient isnt answering my phone calls, returning my phone calls or responding to my emails. What navient does do is send me harassing emails. I'm sick and tired of Navient playing around with my livelihood. I cant afford for my paycheck to get garnished. I need help and I'm not getting any.
I recently checked my XXXX credit report and I notice that there are 8 unauthorized inquiries listed on my report. The only one that I am aware of and take responsibility in authorizing would be the XXXX inquiry made on XX/XX/2017 for a personal loan that I currently have with them. The other seven especially the inquiry from XXXX XXXX XXXX XXXX, I did not authorize. With XXXX XXXX XXXX XXXX they could not run my credit with my understanding due to me not having any identification to identify myself. I had forgotten my driver 's license and was refused service when I made them aware of having no ID on hand. XXXX customer service representative had no right to submit my application if it was not complete. XXXX XXXX, Corelogic Credco, and XXXX XXXX are companies that I have never heard of nor would allow them to have access to my personal information such as my social security number to pull any information about me. I did not sign anything from the list of companies I just mentioned.
I had my banker, XXXX XXXX ( sp? ), update my debit card for international travel. He told me the card was outdated and he would have a newer, updated one sent to me. He never asked me to complete an application nor did I sign any. Three weeks later I received a new CREDIT CARD with a high credit limit. I called immediately to have it canceled and get guarantee this card would not appear on my credit report. The operator assured me they would cancel it and it would not appear on my report. It is canceled but it is on my report. I did not apply for a credit card, I was lied to and deceived by PNC.
On XXXX XXXX, because of the XXXX breach, I tried printing out all my free credit reports. It took me six hours of errors messages. I could not get my Experian report online. I got a message saying : We 're sorry. 
A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form. 

There is absolutely no reason to not be able to obtain this online. I have tried every day, and I still get the same message. 

Give the crisis with the XXXX security breach, people should have immediate access to their free reports.
I had XXXX loans with Citi, a XXXX mortgage with Citi Mortgage and a XXXX ( HELOC ) with Citi Bank ; at the end of XX/XX/XXXX I had lost most of my income and business, my house was deeply underwater, and I applied for a re-structure of both loans, which were both assigned to the same loan counselor at Citi. At that time I was unaware that the HELOC described a farm property which I owned adjacent to my home, and not my home. Ultimately the loans were both re-structured, but the payments were not substantially reduced ; I could not make the payments and had to move -- I offered a deed in lieu of foreclosure, but Citi chose to foreclose the XXXX mortgage. In the process of re-structuring the loans, I had discovered the error in the HELOC description, and had requested a corrective security deed ; that request was referred to Citi 's " research '' department, which never responded. After many attempts to get the error resolved, in XX/XX/XXXX, I filed the attached Affidavit in Aid of Title ; in XX/XX/XXXX, I finally reached Citi 's foreclosure attorney and explained the problem ; he promised to " look into it and get back to me '' ; I followed up with the attached detailed written explanation, plats, the affidavit and copies of the XXXX mortgage instruments -- neither the attorney nor any of Citi 's representatives ever fixed the problem or got back to me. In XX/XX/XXXX Citi sued me on the full amount of the HELOC note ( and not the re-structured amount ) using the same law firm I had originally corresponded with. In my response to the suit and other filings I once again asserted that the lien was on the wrong property, but Citi has never corrected the error, I assume in an effort to gain advantage in their lawsuit. It is fundamental that a Home Equity loan can only be on a home, Citi knows that better than anyone, yet they continue to take advantage of an error that they are legally responsible to correct.
I sent a dispute to each of the CBs identifying the 'hard inquiries ' that " I did not authorize as well as closed accounts, collection accounts and account reporting derogatory for validation of signatures from me showing the account belongs to me and I 've agreed to their terms. Real credit auto is a big account because they have posted my personal information such as Ssn date of birth and also a person address listed for many these inquires and accounts in question. XXXX has recently removed them from my reporting but other CB are still reporting incorrectly. I have also filed an identity theft alert for transunion because of all these hard inquires after my personal information was published. I then filing this complaint asking for assistance with getting the CBs to provide me with proof of their validity and attached the notices that I previously sent and received from the CBs as it related to my claims. Requesting all all reporting be validated with signatures, address and dates from all CB reporting.
I have requested my free annual credit report with Equifax and I included all their required information and documentation, using legible copies, but they have denied my request, stating my proof of identity does not match what they have on file. Then they ask for the SAME items I have already sent them. 

They want a copy of my Soc Sec card AND a copy of my current driver 's license, both of which I have already sent.
I have an installment loan with Always Money in which I pay off on line. The payments are due the XXXX of the month, and II paid the XX/XX/2017 payment on XX/XX/2017 via debit card with a confirmation. I did receive an error message that the balance could not be updated. My bank stated that it cleared on XX/XX/2017 ; however, this store manager keeps calling me -- several phone calls on caller ID which I thought was telemarketing calls. Today, I answered the number and it was this store manager stating that I must pay on my loan because there is no record of my payment for XX/XX/2017 and that I am in default. I, immediately, stated that I should do a fraud alert with my bank because someone within Always Money must have taken it, and he stated no with a condescending-superior attitude. I stated that it was cold in my home -- heat pump problems. He wanted me to go out to the bank and do his research, but I refused. He kept stating that there were several banks in my area and I must go get a printout from the bank. I had just gotten home, my house was cold, recently completed XXXX, and he wants me to go out again driving on these icy roads to fix his problem. He then stated that a missing payment will hurt my credit, and I am thinking " why is he saying this to me '' because I always make my payments online and on time. I explained to him that I, also, have medical issues, and he stated that " you have all kinds of problems. '' I abruptly hung the phone up and tried calling corporate but call went to VM. I then called the XXXX, AL location and the manager there stated that she would research the problem and that it is not up to me to research the problem. This store manager in XXXX, AL is abusive, unprofessional, and not good at keeping records because the payment was made on XX/XX/2017 and cleared my bank on XX/XX/2017. Always Money should not be harassing me and criticizing my medical issues.
I worked with a loan officer name XXXX @ Polaris home funding group. He was helping me with my first mortgage loan but failed to disclose information to me that was part of the contract, such as dollar amounts. 3 days before closing I was told to sign the contract by his under writer XXXX and that I need to rush it and that the dollar amounts on the contract was n't correct but will be fixed by our closing date which was XX/XX/XXXX. I asked XXXX, XXXX and XXXX why are we waiting three days and they just stated we have to wait for things to go through and then questioned me if I was getting cold feet. They never mentioned the fact that I had those 3 days to resend with no penalties. XXXX and XXXX also told me a different amount that I would be paying for my mortgage before closing and at closing it was a higher amount. During this process I was rushed to sign paper work which I did read but did n't understand it and when I ask XXXX to explain to me he became very rude and told me that he was n't in the business to educate which left me to looking my questions up on the internet. XXXX bother XXXX was also my real estate agent who failed to explain anything to me as well and went alone with XXXX and suggested that I rush all signatures. I also had questions for XXXX about the home I was purchasing and he as well ignored my questions and stated he would get back with me but never did ... During the closing I was n't represented by anyone from Polaris and when I was signing the contract the information was different and when I called XXXX on speaker phone he again became very rude and stated that he changed the numbers to benefit me but failed to disclose any of that to me. XXXX then stated that I can just not close that day and threaten me and stated that I will have to pay more at the next closing if I did n't sign the contract. At that time the title representative advised me of my rights and the listing agent XXXX advised me that my real estate agent has n't been in contact with her about any of the questions that I needed answered. With that being said I signed the contract even though I was extremely upset because this was the worst experience I 've ever had and this happens to be my first home purchase. XXXX was withholding information to benefit him and his brother who happened to be my real estate agent. Polaris Home Funding group has agents that have unethical practices.
In XXXX of 2006 I contacted my mortgage company which at the time was XXXX XXXX and ask if my mortgage could be changed from the XXXX to the XXXX. I was told that in order to do that I would have to refinance the mortgage or pay an early payment. I paid the early payment XXXX XXXX of 2006. However the XXXX XXXX payment which was made from my bank, according to XXXX XXXX was not received. The early payment that I made in XXXX on the XXXX was considered by XXXX XXXX to be my XXXX payment and was considered to be late. I have documentation from my bank and from the electronic fund transfer company stating that the mortgage payment in XXXX was deducted from my account and sent to XXXX XXXX. This payment was sent back to my bank but my bank sent it back to XXXX XXXX within 2 weeks and XXXX XXXX received the payment. Though they received the payment XXXX XXXX never documented the payment as being processed so my mortgage continued to appeared to be late. A letter as well as documentation showing that the mortgage was deducted from my bank account and received by XXXX XXXX was sent to Ocwen explaining everything that had happened. Ocwen refused to converse with me so I had a lawyer contact them. My lawyer stated that she was never able to speak with anyone in their law department in attempt to correct this mistake. She felt that my only recourse was to sue them. I am currently in the process of attempting to refinance my mortgage at a lower rate but Ocwen is giving a pay off amount that includes {$6200.00} in late fees which I do not owe. This entire fiasco has affected my credit score and is now going to cause me to lose my locked in rate.
On XX/XX/XXXX a consumer report back ground check was checked status complete report number Id XXXX. upon review of that background report, under label 'criminal check by jurisdiction ' an alert was caste. the criminal case found is dated for disposition XX/XX/XXXX. upon review of 'rights of the fair federal reporting act - Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. 

I am filing this report on XX/XX/XXXX ; 9 years after disposition. This type of outdated negative reporting may cost me my job. that financial loss is an estimated XXXX dollars per yearly income. last year federal taxes report was {$8900.00} XXXX. As you can see. this type of negative reporting is detrimental to my current living and economic status.