WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/2018- around XXXX in the afternoon while I was at work : 3 charges of {$250.00} each ( total of {$750.00} ) appeared on my checking account with Bank of America . Charges were done through XXXX application, that I had no knowledge of prior to this event. I was at work and remember checking my e-mail as I was expecting an employment letter. I noticed an e-mail from Bank of America asking me to verify, whether I just added " this person '' to my XXXX account. I clicked " no '', but thinking it was just a scam e-mail, out of habit I deleted the e-mail. I tried to log in to my online banking to check if everything was ok, but access was denied so I forgot about the whole thing. About an hour later I received a call from the Bank reporting a suspicious activity on my account. I spent about an hour on a phone with several bank reps and a fraud specialist, who stated that the fraud was done by someone who got access into my e-mail and stole my information through the Bank of America e-mails somehow. She also recommended me to immediately provide the Bank with a new e-mail address, freeze my account and open a new one and I did all that was recommended. 
XX/XX/2018 - 10 days after Bank 's investigation I called in to check on a status of the fraud investigation and I was told the following : " Unfortunately, we can NOT refund you the stolen money, as the fraud was done through your mobile device. '' I almost " passed out '' when I heard the news and felt that a big injustice was done and that someone somewhere needs to help me and other people just like me. I was recommended to contact my Mobile phone provider ( XXXX ) and ask for a letter stating that there is a virus on my phone. XXXX stated that they do NOT provide such letters. I was also recommended to file a police report which I a going to do tomorrow after speaking to the Bank in person. I have a bad feeling that they are not going to help me though, therefore, I am turning for help to others. I just need to do something as this does not feel right! 
Thank you for taking your time to read my letter!
I mailed three separate dispute letters to Synchrony Bank for Wal-Mart, JcPenney and XXXX XXXX on XX/XX/2018. I have not received anything verifying my debts with Synchrony Bank as of today XX/XX/2018. To my understanding if I, the consumer, have not received a letter on company letterhead verifying the debt with my original signature within 30 days, then the company, Synchrony Bank, must delete all accounts from my credit report.
There is a public record judgement reporting on my credit file and it is not mine. I have requested the removal many times and they have not removed it.
TransUnion has failed to provide requested information regarding a Bankruptcy # XXXX listed on my credit report. I requested verification on who reported this Bankruptcy and have not received the requested information to date. It has been more than 30 days.
I was mailed an offer from Discover for a rate of 15.24 %. I called to verify the offer before I applied for it online and was told it was correct. When I applied with them my credit score was a XXXX. My promotion ended with them and now they have charged me a rate of 23 %. That 's insane. When I spoke with a manager they said they would lower new purchases to 18 %. They said when I opened the account it was 22 %. Why was I offered a lower rate today when my score was higher at time of opening? I want what I was told. I feel like they are trying to rob me XXXX.
I Was told thatr I will be getting a credit line increased by XX/XX/XXXX to XXXX and I didn't received it from capitol One and I was told from the higher dept that I have to wait until XX/XX/XXXX for credit line increased and I'm getting few different answers that I have to wait on the XX/XX/XXXX and XX/XX/XXXX ... and I have made my payments on time since XX/XX/XXXX ... I'm so confused of when I will get my credit line increased and no one isn't giving me a accurate answer ... .. And second Complaint is that I have a hold on my account in the amount of XXXX from XXXX XXXX service fee and I was charged twice and I spoke to capitol one about this problem and spoke to higher supervior and they call XXXX on three way twice and at the end of the call I didn't get my second transaction fall off in the amount of XXXX and was told to wait 5 days and its been 5 days
I have disputed the late payments on this XXXX XXXX XXXX XXXX XXXX account for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Debt was already paid. Have n't heard anything back from collection company therefore concerned for my personal information and wrongful reporting.
I had signed up for a XXXX under a promotion that was supposed to reward me with XXXX AAdvantage miles after spending {$1000.00} in debit purchases and 2 consecutive bill pays. I had signed up in XXXX 2016 and received the account in XXXX. At the beginning of the process, I called Citi to make sure everything was straight with the promotional details, and was assured that when I completed the requirements, the miles would end up in my account. I promptly made the required debit purchases and bill payments and called Citi again in XXXX 2016 to ask when the miles would post. I was told by one Citi representative that the miles would post as soon as the statement period closes in XXXX. An online representative told me to wait until the end of the month. When that happened, I checked and the miles had n't posted. I spoke to a representative online and was told it would take 90 days for the miles to process and I should check back in XXXX or XXXX. That answer was very uncomfortable to me because I had planned to use the miles for a trip in XXXX and I needed to book tickets 2 months in advance. So I called back again and was told that the miles would appear on XXXX XXXX. When I checked on XXXX XXXX, the miles still have n't posted. When I called back again, the representative could n't figure out why the miles had n't posted and decided to open up an investigation on my account that would take a few weeks to complete. On XXXX XXXX, I received an email saying that my account was n't eligible for the promotion, which contradicts everything I was told by Citi since I signed up in XXXX. I followed Citi 's instructions as they were given to me, and believed the representatives as they told me the miles were coming. 
Also, I held my account open much longer than I would have if I knew my miles were n't coming, and paid the monthly fees to keep the account open. When I was told my account was going to be investigated, I presumed I was n't going to be charged the monthly fee for the account, and I did n't use the account at all during the time period. I did n't want to fuss with an account that 's being investigated and I do n't think I deserved to be charged for the account during that month. However, Citi still charged me for that month and it led to a {$38.00} overdraft fee that I do n't believe I deserve. I believe I was wrongly misled during the signup of the account, throughout the account 's lifespan, and charged monthly fees and overdraft fees for falling into their deception. If I had waited until XXXX like one representative told me, I would have been charged a lot more in fees, miss out on my XXXX trip, and get XXXX miles in reward for my effort and sacrifice. This is obviously unacceptable.
I have tried a number of times to resolve this issue with the creditor Navient to no avail. They are reporting 6 late payments on each one of my 3 loans out of their office from the months ofXX/XX/XXXX - XX/XX/XXXX causing me to have 18 late payments reporting on my credit report despite any proof that I was in the repayment phase of my loan. According to official records obtained from the XXXX XXXX XXXX XXXX XXXX there is nothing to show that I was in the repayment phase for the period of time reporting late. On the contrary, the XXXX  documents show that I entered repayment XX/XX/XXXX and forbearance the very next month XX/XX/XXXX where my account status remained until XX/XX/XXXX when my account went into repayment status again. This information is verified and supported by my account activity pulled from Navient 's website ( which i have attached to this complaint ). Under Fair Credit Reporting Act Section 623 Navient has a responsibility to furnish accurate information, investigate claims of inaccuracies, and update information determined to be inaccurate. I have included an excerpt of the section of the FCRA that has been violated by the inaccuracies being reported by Navient. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
(
B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the ad- dress specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information. ( 2 ) Duty to correct and update information. A person who ( A ) regularly and in the ordinary course of business furnishes infor- mation to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determi- nation and provide to the agency any corrections to that infor- mation, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.
my XXXX loan is with Bay View loan servicing. They modified my loan under HAMP program. When i went to modify my XXXX loan with XXXX, I am told that Bay View Loan Servicing failed to file correct HAMP related paperwork with Treasury department. I do n't know what that means and Bayview is unwilling to work with me to correct this issue. My XXXX loan with XXXX is stuck. In the mean time, i am falling more and more and more behind on my mortgage.
Having enough in my account from my retirement XXXX every since I open up this account constantly been accessed fees that were inappropriate due to abuse of power by the president at the bank also based on stigmatized and sterotyped being of another race. And taking me like I am stupid and constantly every month being charged excessive fees that were deemed to be access to my account ; Suntrust bank on XXXX XXXX in XXXX pk XXXX XXXX XXXX XXXX. facing biases.
I opened a checking account with Citibank N.A. through their online portal and funded the account in the amount of {$15000.00}. I received a bank statement for the period XX/XX/2018 through XX/XX/2018 that stated that the deposit had been made on XX/XX/2018. 

On XX/XX/2018, I called Citibank to inquire why I could not activate the debit card that they had sent me and I was advised that the account had been closed by Citibank. They claimed there were issues about my address and they unilaterally closed my account when they could not resolve the issue. I was further told that in order for Citibank to send me my money they would need a copy of a utility bill. On XX/XX/2018, I faxed a letter to Citibank that stated that I do not have a utility bill in my name as they are in my husband 's name and his last name is not the same as mine. I faxed Citibank a copy of the debit card which I had received and the copy of the bank statement as proof that the address that they had was a good address. 

On XX/XX/2018, I called Citibank to confirm receipt of my fax. I spoke with XXXX in the New Accounts Department ( she refused to give me any last name or employee information ) and she said that she could not send me my funds unless I had a utility bill or went into a bank branch to get my money. I live in Georgia and the nearest branch is in Washington D.C. I offered to send a copy of my driver 's license to prove my address but she told me that that was not acceptable. I asked to speak to a supervisor and XXXX told me that there was no supervisor available. 

I need the help of the CFPB to get me my {$15000.00} which Citibank is illegally holding.
I am a victim of Identity Theft. Please remove the account from all three credit bureaus immediately.
We paid off our loan with Ditech in the beginning of XXXX and had a balance in our escrow account which the Mortgage company said would be refunded to us within 30 days. Their system shows that a check was issued on XX/XX/XXXX but we haven't received it. We called a number of times and were told that it takes 30 days to reissue a check but we still have not received our money back. it is now XX/XX/XXXX and we still have not received anything. I did an internet search and it appears that there are a number of other account holders having the exact same problem with Ditech
I rented a house using my credit card through the XXXX website. There were problems as soon as I arrived, beginning with the fact that there was no connection to the internet. I worked with the owner and repair crew over three days to try to fix the internet issue as well as numerous other issues with the house such as 1. no heat -- house at constant XXXX degrees fahrenheit 2. insufficient electrical service to house to allow functioning of household appliances such as dryer or washer or jacuzi tub, electric broiler. 
3. Leaky roof ( leaked water onto living room floor ) 4. Hot water supply tube under kitchen sink leaked water onto kitchen floor creating a puddle and underside of sink covered with black mold creating a potential health hazard The evening of the third night the hot water ran out and since there was still no internet the next morning I sent the owner an email that I was leaving. The owner acknowledged that she was sorry that I was leaving and asked me where the keys were. I told her and left the property. 
The original charges were {$150.00} security deposit to be returned upon receipt of unharmed property at termination of rental and {$640.00} rental charges etc which included taxes and fees. I arrived on the XXXX in the afternoon and left on the morning of the XXXX. 
The amount of communications between myself and the owner is voluminous. The credit card company has not taken the time to read it in its entirety. Many of the statements made by the owner following my departure are not in agreement with those made beforehand. 
I discussed the problems with XXXX and asked for their advice during several telephone calls in the first few days. XXXX took no responsibility and insisted that the homeowner had discretion to refund my fees at any time. The owner had " warned '' me that my " window '' for cancellation was going to pass. This is not what XXXX claimed. I wanted to stay and resolve the problems but the house became uninhabitable with the cessation of hot water and continued problems with the internet. After my departure I called the credit card company and described the problems and stated that I wished for my money to be returned as the house was not as described and had no heat or hot water. 
I will try to organize the documentation that I do have and submit it with this summary. It is ludicrous that I should be charged for a 14 day stay including the non return of my security deposit ( {$150.00} ). 
I have some photographs to document my claims and will send the digital images along with this complaint. 

Attachments : ( How can I submit these?? ) 1. response to credit card company for major issue ( {$640.00} ) 2. under kitchen sink mold and electrical connections 3. Evidence that Homeowner knew I was leaving on the XXXX 4. Leaving the house 5. leak under sink 6. Trees cut neighbors property in attempt to strengthen signal ( homewowner aware of previous internet problems ) 7. My response to credit card company concerning return of security deposit 8.Keys left, prior emails 9. misc. issues, internet
I was taken to court by Turner acceptance. Turner Acceptance and I came up with an agreement that I will pay XXXX a month for 6 months. My last and final payment was XX/XX/2018. I was sent a paid in full letter by the company and was told to send the letter to each credit bureau. The letter was sent to each bureau. On XXXX first I was hit with a late charge on XXXX. In XXXX I also disputed with XXXX and sent them the paid in full letter. I was sent a letter stating that the account is in good ( improved ) standing and the balance is XXXX. On XX/XX/XXXX I review my credit report and XXXX XXXX has reinstated the account as a chargeOff and never been paid. I went to court and the court order was to have the update the account as paid in full once all payments were received. The debt has been reinstated on my XXXX credit report as well. The debt has been paid and they are now reporting it as a charge off. They are violating the court order. The debt was Paid in full.
Diversified Consultants, Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX FL XXXX | Complaint : Diversified Consultants placed a collection debt on my credit report ( s ) during the debt validation process that was not legally validated pursuant to FDCPA Section 809 ( b ). 

A recent review of my major credit reports reveal Diversified Consultants placed a collection debt on my credit report ( s ) regarding XXXX XXXX XXXX XXXX during the debt validation process that was not legally validated pursuant to FDCPA Section 809 ( b ). 

I have not received any written communication from Diversified Consultants via US Mail regular 1st class mail service, or any certified mail service that my signature guarantees my receipt of debt validation, and debt collector validation. 

Most important, I have not received the due process of validating the debt, and the debt collector. 

On XX/XX/XXXX, I, XXXX XXXX XXXX, submitted a consumer dispute regarding the collection debt through the companys corporate website at www.dcicollect.com ( copy of dispute attached ). My dispute outlined the necessary information a debt collector must provide to validate the debt, and to validate the legitimacy of the debt collector. 

On XX/XX/XXXX, I received an email response from employee XXXX XXXX, Compliance Analyst ( copy of email attached ). The email stated that she would forward the email to the appropriate office ( Copy of email attached ). The email also states that I could receive something in the mail. 

On XX/XX/XXXX, I received a notice from XXXX XXXX that Diversified Consultants had placed a collection account on my XXXX credit report ( copy of email attached ). 

Under FDCPA Section 809 ( b ), debt collectors are not allowed to pursue collection activity until the debt is validated. In XXXX XXXX, XXXX XXXX XXXX XXXX, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XX/XX/XXXX, the courts ruled that reporting a collection account indeed is considered collection activity. 

I filed a complaint with the XXXX XXXX XXXX of Florida. The company states they have done no wrong. The company states they mailed validation information XX/XX/XXXX. I did not receive any information in the mail. The company has not provided any proof of mailing from the United States Postal Service such as a " certificate of mailing '', or a " certified mail return receipt ''
I asked multiple times to cancel PMI on my loan, and they continued to refuse. The only way I could reduce PMI was to refinance with a different lender, costing the time and expense of refinancing.
On XX/XX/XXXX, at approximately XXXX, this debt collector called regarding a debt to a payday lender called " XXXX XXXX XXXX ''.
They also contacted my sister and have made repeated attempts to do so, leaving voicemail messages. This particular voicemail message, however, provided my sister with a link to enter an account number and my zip code. Therefore, my sister was given complete access to the confidential information, including the amount they claim they are owed, as well as the original creditor, etc. My complaint involves repeated contact and voicemail messages with me and my family members, as well as unlawful disclosure of the debt they are attempting to collect.