WillisBack/dataset-financial-user-claim huggingface dataset:
In the beginning month of XX/XX/2018, I started my process on first time home buyer with XXXX XXXX, during the process I had to put forth XXXX dollars with earnest money for the home I am interested in purchasing. The lenders have made this a long drawn out process, the application was sent to the under writer, and was returned for a few documents, every time I send a document, the next email is for a different document. They have been calling my bank asking for information, calling my employer, asking for information that violates my privacy. I have submitted the same documents over and over. I received a request today asking for a voter registration, it seems I am being racially discriminated against. The more I submit the more they request. A long drawn out process. They continue to state that the reason they are so detailed is because of the down payment assistance which is less then XXXX, however ; it is a great importance for a young single mother such as myself. They dissect every little thing finding a concern they may not be merited. They say the earnest money I had was void cause my dad had giving me money, but the earnest money was paid by me out of my account. Then they stated my income was not enough based on debt to ration, things included that may not be merited, I then asked my mom to come on the mortgage, she agreed, they said she didn't qualify for the Conventional Mortgage, now they are stating I am under the FHA, every step is a hurdle and complications.
Portfolio Recovery license XXXX is collecting a debt that I am not aware of and the license is expired to collect in the state of Florida the account number for this debt is XXXX .... 
The amount trying to be collected is XXXX I would like this collection to be deleted from my recent credit reports Last 4 of my social are XXXX Won't let me put it in the next page
XXXX XXXX, XXXX, XXXX and Greatlakes reporting loan payments 60-120 days late when I provide to the credit bureau proof I was in school XXXX and completed the documents to correct with each servicer. I have even filed a complaint with the omb office and no results.
Please know that I was not late on XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX.. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me
I 've been a wells fargo customer for over 10 years. Recently I got a wells fargo credit card and put a {$3700.00} tuition charge on it. I set up automatic payments and took a look the day the payment was supposed to be due ; by the end of the day it still did n't go through. Looking at the automatic payments page, it says it will only pay whatever the remaining balance is after any previous payments were taken into account, so I went ahead and made a manual payment in order to avoid the credit card late fees. This was on X/XX/17. The next morning i get notifications that my checkings account is overdrawn and multiple service late charges were posted to my checkings account. It turns out automatic payments ignored my manual bill pay and paid the {$3700.00} again. I called customer services and explained my situation, and they gave me a timeframe for this to be fixed. They also told me they 've escalated this to customer services. Their estimated date was today and the payment has not been returned. When I called customer services again they told me since the amount is large, they may or may not have to wait even longer to refund, nothing clear.
I dropped a class from XXXX university within the allotted time. They still charged me for the class. They then referred me to their collection agency which never wrote or contacted me. They just put it on my report. When i called them they had the incorrect information. But they stilled kept it on my report and are reporting as reported correctly. I disputed electronically with the bureau but they came back that said it is the correct debt. This is a false debt that is reporting on my credit report
I have a settlement sheet showing this house was paid off on XX/XX/2017 however this bank is reporting incorrectly that I was 60 days late on the loan as of XX/XX/2017. Reporting shouldve ended on this line of credit for XX/XX/2017 with me only being 30 days late at the time.
This account is reported in to XXXX, XXXX and XXXX. The account is being reported to have a derogatory rating which is very troubling to me! I am concerned about my credit because I was recently denied a loan and my existing credit accounts have increased my interest rates. This negative rating has caused me serious financial distress and will continue to cause me financial and emotional distress until this issue is resolved. 

In researching my legal rights, I have found several items that I understand I am entitled to. In order to rectify this situation and ensure my rights have not been violated in any way under the various consumer protection laws, I must hereby formally demand and information request!
My vehicle is finance d with Ally Financial. I received a call from Ally Financial   XXXX   XXXX ,    2017  stating they had issued a repossession order for my car because of the other charges on the account for the repossession fee. My vehicle has never been repossesse d Ally added those fees to my account and I do n't owe them. I would appreciate your assistance with resolving this matter. I 've been harassed by Ally  every since I 've purchased this vehicle. Ally does n't mail me a monthly statements reflecting my monthly payments and the balance of my loan. I need to know what the loan balance is and a statement reflecting my payments being posted to my account Thank You
Discover is reporting to my XXXX report that it was settled for less than agreed. Discover was very aggressive in collecting on this account. I told them I would pay it off for the agreed amount if they agreed not to report it to my bureau. They agreed and we proceeded. I 've recently learned that it was only charged off by around XXXX dollars. I offered to pay that off in full and they said they 'd take the money but not remove it. I feel this was a deceptive practice and they 're not willing to make it right. They 're also unwilling to work with me on paying off the former charge off. I honestly do n't understand why they would n't want my money at this point. I 'm attempting to repair past wrongs and they were very rude about it when I called.
I am unsure if this is the right department to be contacting, but after applying for a job, I received a copy of a background report from Transunion stating that I have a felony on my record. XXXX. This is not me!! The report stated that I have a right to dispute inaccurate information and offered a generic link to consumerfinance.gov. So, here I am. Please help!! Thank you.
In XX/XX/2018, I applied for the Capital One Quicksilver credit card that included a 0 % introductory APR for all purchases in the first 15 months of opening the account offer. Shortly thereafter, I received a Capital One Quicksilver credit card in the mail. Upon receiving my second billing statement in XX/XX/XXXX, I noticed I was charged interest for my purchases. When contacting customer services at Capital One, I was advised that eventhough I applied for the credit card that included the 0 % introductory APR offer, I was actually approved for a different Capital One Quicksilver credit card that did not include the 0 % introductory APR offer. 
I was never clearly advised that I was not receiving the credit card that I actually applied for, and since the credit card that I received had the identical name of " Capital One Quicksilver '', I was unaware that interest would be charged on my purchases. I feel this was false advertising and deceitful practices.
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX XXXX XXXX CO on or about XX/XX/XXXX on Transunion. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX XXXX CO has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.
calls from XXXX every morning after XXXX XXXX. Leaves no message Company name Amsher, found on the internet. I do n't owe anyone anything.
First, this complaint is n't about XXXX. It is about TransUnion. 
I 've have a credit freeze on my TransUnion account for many years. A company that I wanted to do business wanted to access my credit report. So I called TransUnion and had them temporarily remove the credit freeze but install an access code. I specifically asked whether anyone would be able to access my credit file without the access code and was told " No. They must have the access code. '' About XXXX minutes later, I decided to go to the XXXX website and get a copy of my TransUnion credit report. XXXX did not ask me for my access code ( instead asking me a few questions about prior addresses, etc. ) and did provide me with a TransUnion credit report. This means that TransUnion sent them my credit report without my access code being provided. I called TransUnion immediately after this and verified that I do have an access code. However, they told me that a company asking for my credit information does not need the access code to access my credit report. ( They said that most banks have configured their software to recognize that an access code has been set so that they can ask the customer for that code, but the banks do n't have to do so ). So basically, an access code would provide no protection if the inquirer did not care to honor it. As far as I 'm concerned, TransUnion made a fraudulent claim about how the access code works.
Re : Bank Of America account # XXXX To whom it may concern : Please consider this letter as my formal complaint against Bank of America.

I have sent certified/return receipt dispute letters to Bank of America requesting verification of this account in accordance with FCRA. These dispute letters were received by them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Bank of america was unable to verify/validate this account in accordance with FCRA. 

As this account was hindering my credit worthiness, and with Bank of America unwilling to correct their records, I decided to pay the full balance allegedly owed by sending a pay for delete letter and check. On XX/XX/XXXX I sent this contract along with a check for full payment in the amount of {$5100.00} in which they received on XX/XX/XXXX, and cashed on XX/XX/XXXX In the letter and written on the check were the following terms : By cashing this check, you agree to terms of this contract : -Show paid in full. 
-Remove credit items from reports -Cease collections Currently Bank of America has yet to correct their reporting according to the contract. They are still reporting a negative collection account in the amount of {$5100.00} to all 3 Credit bureaus.

I implore your agency to please assist me in having this unverifiable, and paid in full account, removed from reporting on my credit files. Bank of Americas practice is highly damaging to my credit and i would be remiss not to request your assistance with this issue. 

All return receipts, and evidence available upon request if not included in this complaint. 

Thank you for your time and assistance in this extremely important issue : My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX FL, XXXX CC : CFPB CC : XXXX  CC : Attorney Generals office : XXXX XXXX Office of the Attorney General XXXX XXXX XXXXXXXX XXXX, Texas XXXX XXXX XXXX U.S. Department of Justice XXXX XXXX XXXX, XXXX Washington, DC XXXX XXXX XXXX Office of Attorney General State of Florida XXXX  XXXX XXXX XXXX, FL XXXX
I received a promotion communication ( see Attachment 1 ) from Citibank regarding the new Citigold checking account offer in XXXX XXXX. I used the promotional code in the communication to apply for my Citigold checking account last XXXX and my account was reviewed and approved by the Citigold new account service team without any issues. After I met all the terms and conditions to obtain the benefits of this offer, the incentive was not credited properly to my account. Thus, I made the first inquiry regarding this promotion in XXXX XXXX ( see Attachment 2 ), and the customer representative indeed confirmed that I met the requirements for the promotion and suggested me to wait longer since the incentive should be credited no later than the end of XXXX XXXX. However, Citibank never issued the credit and subsequently claimed that I did not qualify for this promotion which should be targeted to customers who received the promotion communication, even though I do receive the communication and can provide a photocopy of the printout as a proof of eligibility ( see Attachment 1 ). 

I must reaffirm that the Citigold checking account offer was addressed to me and I have met all the terms and conditions to obtain the benefits of this offer. I should qualify for this promotion based on the following two reasons : First, I do receive a promotion communication regarding the new Citigold account offer and keep a physical printout of the offer disclosures ( see Attachment 1 ), which serves as a proof of eligibility. Second, I used the promotional code in the communication to apply for my Citigold checking account. My account was approved and the Citigold new account service team never informed me that I was not eligible for the promotion throughout the account reviewing/opening process. If I was truly not eligible for the promotion, my account application should have been denied at first place when I used the promotional code to open my account. However, I never received an error message nor notification informing that I am not eligible upon account approval. Furthermore, the customer representative has confirmed that I met the requirements for the promotion when I made the first inquiry regarding this promotion in XXXX ( see Attachment 2 ). 

Citibank should not take advantage of this misleading marketing advertisement to lure customers to open new accounts. Please keep in mind that there is also a relatively high monthly service fee associated with the Citigold account and it would take several months for new account holders to meet all the terms and conditions to obtain the promotional offer. It is not justifiable and should be considered fraudulent for Citibank to attract new customers using this false advertisement, collect high monthly service fee from new account holders, and not honor the promotional credit after customers opened their Citigold checking accounts, met all the promotion requirements and paid the monthly service fee accordingly.
Transunion continues to report an inaccurate account on my report which is in direct violation with FCRA law. They are reporting that I was late on a XXXX XXXX account number XXXX  4.9 years ago however they are not reporting the month date or year on my credit report and they refuse to provide the documentation they are using to report the inaccurate information. I need your assistance in getting this inaccurate account off of my credit report asap. They are reporting that it last updated in XX/XX/2017 buy yet is says payment status is unknown but saying in my summary that I was late. It's contradictory information that they are reporting and it's all wrong. I've also requested they remove the employer reporting for I don't work there and they continue to report the inaccurate information.
I recently had a baby and since then have been struggling to pay one of my Sallie Mae student loans that has an interest rate of 9.5 %. I have repeatedly tried to call and speak with a collection representative to lower my interest rate and possibly my montly payment. Up until this point I have made my student loan payments and on time. I simply can not choose between childcare and supporting my family or paying student loans. Sallie Mae has refused to work with me other than offering forebearence which I plan to use in the future when we have another child.
Our customer transferred by wire On XX/XX/2016 to a Wells Fargo account with the beneficiary of our company. This was a fraudulent account and we do not have an account with Wells Fargo. We believe the account used to receive and launder the funds was one that was set up by their employees which is related to the accounts that were opened up without proper authorization or documentation. Wells Fargo clearly did not exercise any caution given the problems they have with the unauthorized accounts. At the minimum they should have a matching program that would verify account holder name and number matched and that the account holder has been verified when handling wire transfers.
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX/XXXX  2017 - 30/60 DAYS LATE I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
On or about XX/XX/XXXX, I disputed and requested a written accounting of my mortgage payment from Ocwen Loan Servicing LLC. I did not receive said request however Ocwen did cause a Notice of Default to be filed against my home. I subsequently had to file Bankruptcy Chapter XXXX, which stayed the foreclosure proceedings, and Ocwen received 5 plus years of mortgage payment. On or about XX/XX/XXXX, Ocwen filed another Notice of Default against my home - claiming at least 10 different alleged amounts of money owed them when I contacted Ocwen to again request written accounting I was told " You're a loser ... you'll get kick out of your house ''. During the last 8 years Ocwen has threatened, harrassed, and has used unlawful tactics ( wrongful foreclosure ) against me to collect wrong amount of monies owed. I currently have a Trustee Sale date  scheduled of XX/XX/XXXX
On XXXX/XXXX/16 I received a call from a scam falsely claiming to be IRS and that I owed over {$5000.00}. I was told that I must buy a {$500.00} tax payment voucher or {$500.00} of XXXX gift cards at Best Buy and call in the numbers on the gift cards, or face a warrant for an arrest. I bought the {$500.00} worth of XXXX gift cards at the Best Buy, but did not call in the numbers to the scammers. I went to my elected official and I was told it was a scam. So I went back to Best Buy immediately to return the XXXX {$500.00} gift cards and to have my credit card purchase cancelled. Best Buy told me that you can not return XXXX cards once they are purchased. 
I write to ask your help in allowing me to return the Best Buy {$500.00} gift cards and have my credit card purchase cancelled. My credit card company called Best Buy and confirmed that Best Buy policy does not allow return of XXXX cards. 
Since then, I recently heard a news report by XXXX that retailers should be aware of this scam and warn customers before making large purchases. I was not made aware of this scam by Best Buy, so I believe that Best Buy should accept my return of the XXXX cards and cancel my credit transaction. 
It just seems wrong that XXXX & Best Buy were aware of this scam and profited by my purchase. The Best Buy manager felt sorry for me that I am a XXXX that was victim of this scam, but still did not cancel the transaction.. It seems wrong to me that XXXX and Best Buy profited on this XXXX scam. 
The Best Buy is at XXXX XXXX XXXX, XXXXXXXX Also, I filed a report with the Treasury Department on this scam. 
Thanking you in advance for your help.
got sick in 2016 and i have no place to go i am a edley man and it is very cold side
I owe Conserve XXXX, from XXXX XXXX XXXX. I offered XXXX is the most that I can afford and asked them at least submit the request to XXXX, however they laughed and disregarded me. I work XXXX and it is illegal to not submit a consumers application to a lender in the even that they ask. I do not know what laws apply to protect me but I fell like they could at the least submit my request. I offered the, which is the only money I have. I am currently supporting my father who just lost his home and I feel really disrespected.
I have a 30 day late payment reported on my Transunion credit report from a company called XXXX ( account number : XXXX ) from XX/XX/2015. I personally called XXXX and they acknowledged the mistake but said that they could n't get the credit bureaus to remove them and that I needed to contact the credit bureaus and start an investigation. I did just that. Transunion sent me a letter stating that the 30 day late payment has been verified. How is this possible when XXXX knows it was a mistake? To me this was a lazy investigation.
I was XXXX on XX/XX/XXXX. I was unable to make my mortgage payments as I had no income while I was living in XXXX. Countrywide lending put in for forclosure and BOA ended up with the loan. BOA reported to XXXX in XX/XX/XXXX that my mortgage was forclosed on. Now BOA is saying that they never forclosed on my loan and they are harrassing me after I sought credit help to fix my credit with XXXX. BOA changed their paperwork to say that it was never forclosed on in XX/XX/XXXX and I have the XXXX report that I printed out to prove it says forclosed owed {$0.00}. BOA is so very dishonest they only changed the status of the loan after XXXX contacted them!
on XX/XX/XXXX there were unauthorized charges on my American Express serve card, upon noticing these charges I immediately called to have the card shut off and dispute the transactions. After a few weeks without a response and after calling to inquire many times, on XX/XX/XXXX I filed a complaint with the CFPB. In retaliation for my complaint on XX/XX/XXXX American Express denied my dispute. They gave no reason to deny my dispute other than in response to my complaint. This is entirely the fault of American Express because they haven't chip enabled their cards so my number was stolen.
I've repeatedly complained but to no avail. This morning I noticed that payments that were marked " on hold '' on Friday now show as coming out today. Citizens holds larger payouts until a poor man 's account is low and the system changes the arrangements of payouts on the app balance sheet. Then, they fine me for an overdraft. They do like to remind me that I read the Terms And Conditions. But my credit isn't bad, just not good enough to be considered for overdraft protection. This IS now matter how it's worded, a tax on me for being poor. Please help. I'm working one whole week to pay back fees that my neighbors aren't all charged.
I have mailed 4 different letters to all 3 credit bureaus asking for validation of a collection account ( XXXX XXXX XXXX  ) that is reporting on my credit that I have no idea what it is. I have yet to receive a response showing proper validation that it is my account and it's not removed. This account isn't mine yet they won't remove it.
Experian is delaying my request for an investigation by means of multiple requests for identification ( # XXXX ) that was provided with the initial request. Experian has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report. This is a serious ongoing issue with them as you will see ACCOUNTS XXXX ***XXXX XXXX ****XXXX XXXX XXXX XXXX XXXX XXXX XXXX****XXXXXX/XX/XXXX{$260.00} ****XXXX  XX/XX/XXXX {$57000.00} ****XXXXXX/XX/XXXX {$6100.00} XXXX XXXX XXXX XXXX XXXX ****XXXX XX/XX/XXXX {$380.00} XXXX XXXX XXXX ****XXXX  XX/XX/XXXX{$54.00} XXXX XXXX XXXX ****XXXX XX/XX/XXXX {$130.00}