WillisBack/dataset-financial-user-claim huggingface dataset:
This company 1st let somebody use my card for more than {$700.00} worth of transactions, knowing that I 'm in traveling to the other side of the country for work. My Bank did not credit me any of my money for approximately 10 days. Within the 10 days I was only left with {$20.00} to my name while waiting for my account to get credited back. I was charged {$80.00} for transaction fees that I was not aware of as a result for the bank taking my money. When I called to have the transaction fee waived, I was met with hostility and accusations. I was told that certain fees were not going to be waived because I committed the transactions. I explained to them I did not, and they said there was nothing that they can do about it. Person hung on me i called back and then they funed me back the fee they charge. this bank super unprofentional and i will be banking with someone else for now on Santanders bank worst bank ever
I am in the process of rebuilding my credit after a bankruptcy, and US Bank told me that if I get a prepaid card, my account can be reviewed in XXXX months with the likelihood that I will quality for a credit card. XXXX months elapsed, I inquired, and they told me I had been given the wrong information and that I will likely be able to get a credit card after one year. XXXX year elapsed, and I again applied for a credit card. The answer continued to be " no, no, and more no. '' In the meantime, they collect fees on this card, and would continue to collect fees except for the fact that I just closed the account. While claiming this was a tool to rebuild my credit, it seems to me to be a bait-and-switch gimmick that just racks up money for the bank.
Experian continues to negate the facts of FCRA laws. I have asked countless times for inaccurate information on my credit file be investigated and shown proof per FCRA how they verified said account information. Simply telling a consumer that an account is verified does not show me how they came to this conclusion. Per the FCRA I want to be given the proof that I 've requested. The credit report I received does not show me anything but the words " verified, '' which is not what I asked for.
I opened a credit card in-store at a XXXX XXXX Department store in XXXX, California. From there, I never received the card in the mail, so I was unable to pay the card or login and could not contact anyone for help from the # 's provided on the internet. 

I paid the card off in-store with a debit card, and told them about the problem, they sent me another card which I 've had for a while now ending in XXXX. 

Today I received a call and they informed me, unknown to me, that I have a XXXX credit card ending in XXXX, which I have never received a statement, card, call, or email for until today. This new card unbeknownst to me also has a very past due balance they 're just now informing me about as well that is over {$1000.00} XXXX. 

I can not help but feel that assigning a new credit card, transferring the balance of, and not informing a consumer is probably considered predatory lending, and would like to ensure that : XXXX, XXXX XXXX Credit Card, XXXX Stores, or Amex who are all associated with the card do not continue this practice. 

I 'm unsure if I truly owe the amount they are stating that I owe and have sent to collections ( {$1100.00}, or XXXX, they told me multiple different amounts on the phone ) as I paid it all off in-person to avoid having to use this card again after seeing that they did not have normal business practices or customer service. 

I am very disappointed in the hours of time that opening a simple department store credit card has caused me to lose dealing with them on the phone, or attempting to login to their poorly built website online. 

Thank you very much for providing an agency or group to review and monitor these types of businesses who waste time, money, and impact credit reports for Americans. 

Thank you, -XXXX
This is the letter I sent to Citibank describing the issue : It has come to my attention that CitiMortgage paid property taxes from our escrow account for a piece of property that we no longer own. ( Your company managed our escrow account and paid these taxes on our behalf. ) On XXXX XXXX, XXXX, we sold our parking spot ( under said mortgage ), to another unit owner ( XXXX XXXX XXXX ) in our condominium building. I have attached copies of the the transaction and the transfer of the deed. 

The City Of XXXX appears to have recorded this sale properly ( see attachments ). 

However, Citibank, in their never-ending corporate incompetence ( which I have experienced countless times with this mortgage ) continued to pay the property tax on this real estate even after THEY GAVE US PERMISSION TO SELL IT! 

We originally purchased our condominium and parking spot together at the same time, both independent real property entities under XXXX mortgage ( originally through your organization ). 

We applied for, and were granted, a partial release of mortgage from Citibank. We were given permission to sell the parking spot, which we did. 

Please update our mortgage documents to reflect that WE NO LONGER OWN THE PARKING SPOT under this mortgage. We have not held title to this property for almost two years. 

That means all the property taxes for the parking which you paid to the City of XXXX on our behalf AFTER we sold the parking spot, should be refunded to us. 

These would include all taxes paid for : XXXX XXXX quarter XXXX XXXX quarter XXXX XXXX quarter XXXX XXXX quarter After XXXX XXXX you unloaded the mortgage to XXXX ( then they kept paying the taxes, as well! ). 

DO NOT continue to pay property taxes on this sold property ( parking spot ) on our behalf. We no longer own it. 

If you have any questions, or need any additional documentation, please let me know. You can find all the documentation regarding this past transaction at the website for XXXX. 

XXXX
I had a XXXX XXXX XXXX card. I had it configured to pay the full balance every month by automatically withdrawing payment from my checking account. 

XXXX discontinued the XXXX card. Without notifying me, they transferred my remaining balance to a new XXXX XXXX, which I did not want and did not activate. They did not transfer over the autopay settings. 

I received no written or electronic correspondence that my balance had been transferred, or that any payment was due, until I received a letter today ( XXXX XXXX ) notifying me of a past due payment ( which affects my credit score ) and a late fee of {$35.00}. 

This is a fraudulent late charge and should be removed immediately. I called customer support but was never able to connect with a human being to request that they take action.
To Whom It May Concern, In XXXX of the spring time I took out a payday Loan online. I made all my payments and was Late once and paid off loan in XX/XX/XXXX for XXXX and XX/XX/XXXX I paid additional XXXX to settle all interest and XXXX XXXX XXXX are owned by same company.
Shell Point Mortgage place a lender insurance on me increased my payment by {$600.00} all because they failed to payment my insurance payment on time. I have a conventional loan that includes mortgage, taxes and insurance. I have been overpaying since 2014 and they refuse to help me lower my payment. All I get is the run around.
I 've been disputing items on my EQUIFAX Credit Report for over a year. I 've submitted police reports and grand jury indictments which I also uploaded to your site. EQUIFAX has done nothing to delete the fraud information or place a block on the disputed accounts so that they 're no longer on my report. Both XXXX and XXXX XXXX immediately took action and removed the fraudulent information and blocked the fraud from ever reporting again. EQUIFAX has done nothing. Police report and Grand Jury Inductment were already uploaded on my past request, but I 've heard nothing back.
GM Financial Complaint Consumer Financial Protection Bureau Submitted XX/XX/XXXX The XXXX % XXXX, retired of XXXX who has experienced continued health problem that has caused her to be hospitalized on multiple occasions and have to rely on family and friends to assist with her personal affairs. XXXX XX/XX/XXXX XXXX was unlawfully possessed in XXXX, Kentucky, at The XXXX on XX/XX/XXXX. Under Illinois repossession ( citizenship, XXXX XXXX License Plate ) or XXXX ( XXXX dependent student attends college ) she had not received any written notice of her rights and deadlines/fees. In fact, XXXX contacted GM Financial when she was made aware that her caretaker responsible for paying her monthly bills amongst other bills. XXXX spoke with XXXX and had made arrangement to bring the General Motors Financial Account current as by XX/XX/XXXX. XXXX advised that at that time that there was not any order for repossession, and this was confirmed with the GM Financial Lost Litigation Department. However, XXXX was forced to surrender her XX/XX/XXXX XXXX, and keys at The XXXX, XXXX, XXXX, KY XXXX on XX/XX/XXXX, as her dependent student returned to the University of XXXX. In speaking with XXXX, neither XXXX or GM Repossession department aware of the repossession, and there was not any order to repossess. This was further verified by XXXX a supervisor in GM Financial XXXX XXXX Department. In addition, both individuals expressed that GM Financial was aware that the vehicle was in XXXX, Ky since it is registered to in XXXX. This left me stranded in XXXX. After the XX/XX/XXXX incident, XXXX assigned another family member to handle her affairs, for she has experienced multiple TIA and mild XXXX. XXXX vehicle was XXXX behind when it was repossessed on XX/XX/XXXX, as she was unaware. 

XXXX XXXX was not properly notified per XXXX Law or XXXX Law on repossession. She has also filed a complaint with the Attorney General Office in XXXX because she is receiving conflicting information on if XXXX has jurisdiction since it was repossessed in XXXX or XXXX has jurisdiction because the vehicle is registered in XXXX. The complaints are pending a response. In addition, a complaint has been filed with the Consumer Financial Protection Bureau. XXXX is grateful for any assistance the Better Business Bureau can provide, as her family and she continue to seek legal representation. To dateXXXX has received no written notification on the repossession, whereabouts of her XX/XX/XXXX XXXX been able to retrieve personal items, or sale date. In addition, because XXXX from XXXX Attorney General Office contacted GM Financial on XXXXs behalf prior to submitting her formal complaint in writing she is being advised that she can only speak with GM Legal Department. XXXX XXXX is grateful for any assistance the Consumer Financial Protection Bureau can provide, as her family and she continue to seek legal representation for she feels her rights as a consumer has been violated. 

XXXX XXXX has paid the following towards her XX/XX/XXXX XXXX {$10000.00} [ Down Payment ] ; {$28000.00} [ Financed through GM Financial ] ; {$9900.00} [ Amount to pay-off in full ], prior to repossession.
The reason for my complaint is : Improper reporting of credit to the XXXX major credit reporting agencies. XXXX separate credit card accounts dating back to when delinquencies started ( XX/XX/2011 & XX/XX/2011 ). The XXXX referenced items were supposed to be " charged off " 150-180 days after the dates of delinquency ( as told to me from a current co. I am working with to secure a loan and by the credit grantor that created the problems ). They were not. They are still being reported as being late. XXXX credit card : 30 days 1x - 60 days 1x - 90+ days 64X. XXXX credit card : 30 days 1X - 60 days - 0X 90+ days 64X. The credit grantor stated, " The dates of the credit cards " charged off " were XX/XX/2011 & XX/XX/2011 ( respectively ) '' .The credit reports from the XXXX reporting companies do not indicate this at all. I was told, " The accounts are in the Recovery Dept. ''. 64X @ 90+ days late = 5,760 +/-. Well past the time they were supposed to have been " charged off ". This has greatly affected my credit in the past years and is currently affecting my credit. I am in the process of applying for a home loan and the loan co. noticed this on my reports. I do not get regular credit reports or keep a constant watch on what is and what is not being reported.
On XX/XX/XXXX, I submitted a request for mortgage assistance to LoanCare. On XX/XX/XXXX, I was informed my application has been deemed complete and they will be assigning an underwriter. On XX/XX/XXXX, I was then informed they needed additional documents which were faxed. On XX/XX/XXXX, I received a Notice of Trustee Sale for an auction sale date of XX/XX/XXXX to much my surprise because I am aware of the XXXX and that appeared to be dual tracking. On XX/XX/XXXX, I was advised that all documents have been received and my application was again in review with underwriting. Called again on XX/XX/XXXX and was advised more documents were now needed, submitted the requested documents on XX/XX/XXXX. As of today, XX/XX/XXXX, I am now being told that my documents were received back on XX/XX/XXXX, however, because the sale date is scheduled for XX/XX/XXXX there is now suddenly not enough time to review my application. I have never been assigned a designated point of contact with LoanCare and they proceeded to file the Notice of Trustee Sale while reviewing me for loss mitigation. They have all the documents they need are are being completely unfair by telling me 3 days before my sale date now that suddenly there is nothing they can do!
On XXXX XXXX, 2016, I requested a credit line increase and I was approved for a {$1000.00} increase bringing my card limit to {$1500.00}. Nonetheless, I do not feel like this is a fair credit line increase since all of my other credits have limits in excess of {$1500.00} in addition to my good account standing with Discover. Moreover, I have a 100 % on-time payment history with Discover ( as I do with all my credit cards ), and have not had a credit line increase since I have had the account for over 2 years despite my current credit score of XXXX. I reached out on XXXX XXXX, 2016 to see if the credit card limit could be reevaluated and I was told that I would need to call their Card Portfolio service. I called them and they indicated that since the request was yesterday, they could not do anything. Nonetheless, the representative indicated that I could apply anytime for a credit line increase. After getting off the phone, I requested another increase via the online system. I was told that it would take 2 days to review my request. I initiated an online chat with Discover and had asked if there was any credit line increase time limits, such as a certain amount of days after receiving a request. The online agent indicated that Discover does not have any such limits. That agent recommended I call back the Credit Portfolio department. I called them back and the representative indicated that the application for a credit card increase was denied because of the short credit line history ( the same credit line increase that I wanted to be reevaluated ). She also said that a credit line increase request would be granted within 30 days of a prior increase, which was contradictory to what the online agent had indicated. I asked to speak with a supervisor. I was transferred to XXXX who was very condescending and indicated that the regulations of the industry ensured fair treatment. Consequently, he argued that an exception to the day of the request for a reevaluation could not be granted because it would not be fair for other customers. I then indicated that it did not seem fair that I had about only a half-hour before the customer service department closed when other people that applied that day would had more time to ask for a reevaluation. He then indicated that I could define fairly however I wanted, even though minutes prior his definition fair was the reason why I could not be granted a credit line increase. As mention before, I have several credit cards with other companies and I have never heard that a credit card regulation prevented a credit card increase reevaluation regardless of the time of the request. I believe XXXX was incorrectly state federal regulations and possibly even fabricating them to explain away an issue. At the end of our conversation, I asked for an employee ID number and XXXX refused to give it to me.
I have written to Transunion four times in reference to inaccurate information on my credit report. I have requested that they delete it. Each time they have responded to my letter claiming that they have verified the information on my credit report but have not provided me with any physical verification or proof that these are my accounts. This is in complete violation of laws in the Federal Credit Reporting Act.
I get calls at least once a day and sometimes twice about my son owing for a medical bill, they just called now again twice within XXXX minutes. Their number is XXXX, must be a collection agency and I consider this harassment for so many calls, why ca n't they send mail with their requests
Debt Collector : IQ Data International ( Phone : XXXX ) Debt Owed to : XXXX XXXX  XXXX XXXX XXXX  in XXXX TX IQ Data spoke with me on XX/XX/XXXX and XX/XX/XXXX about a debt I owed in the amount of {$3900.00} with my previous apartments. I explained that I had a loan dispersing soon but did not have the funds yet. XXXX XXXX stated that I should give payment information for the amount now, that IQ Data would attempt to collect the debt from my bank even without available funds, and an NSF would just " buy me time ''. As we expected, the payment came back NSF. I reviewed my debt and wanted to contest the reletting fee and make payments on the rest ; I explained this to rep XXXX XXXX when I called today XX/XX/XXXX. I offered a payment in the amount of {$1000.00} which was not accepted. XXXX XXXX transferred me to her manager, XXXX, I believe, who stated that I would be charged for the bounced check and my debt would now be tripled. The manager stated she would not take a payment from me and that further collection actions would be put on my account.
My account with XXXX XXXX XXXX XXXX XXXX has been completely paid in full for months. Originally I tried to pay this debt through XXXX and was denied the opportunity and was forced to go through the collection agency which I did not want to do due to miscommunication. I paid off the FULL balance in order to receive a deletion from my credit report. XXXX XXXX and XXXX both have not taken the necessary steps to remove this account from my XXXX, Experian, and XXXX credit reports and it is just unbelievable especially when I tried to pay the original creditor directly and was told I could n't! Now my balance is reporting incorrectly on some of my credit reports it says paid in full and on others it says " settled '' which I never settled I paid the FULL balance. This account needs to be deleted from all XXXX of my credit reports as agreed especially seeing as I dont owe them anything. That negative account is severely affecting my way of life at the moment and I need to see it gone. I keep requesting that the credit bureaus contact XXXX which they did and they even have sent me MULTIPLE statements saying my account was paid in full so I even have documentation. Please remove from my credit reports. I want to believe that XXXX is a good enough company to do this for me.
Called Nevient today about public service loan foregiveness ... ... Told then that my original loans were direct loans ... .they told me that I would have to consolidate again to apply for program which would start the clock over for me been paying on time since      1997. V ery misleading I have less than 120 months left on loan
I have been trying to get XXXX XXXX XXXX to remove inaccurate credit reporting information for over 4 years. Recently, because of an investigation by the credit report agencies and Education Ombudsmen it was discovered that my mail forwarding address from XXXX XXXX, when the loan was transferred to XXXX XXXX XXXX, was inaccurate. I have never lived at the address listed from XXXX of XXXX and did not receive mail at my correct address during this time. As a result XXXX XXXX put my account as delinquent without any notification having been received. My account has since remained in good standing. I have tried to have this resolved NUMEROUS times filing disputes, talking to supervisors, and even getting the Ombudsmen involved to no avail. XXXX XXXX XXXX always says that the reporting information is correct when in fact it is not. This violates the Fair Credit Reporting ACT which I have made them aware of numerous times. THEY ARE NOT COOPERATIVE AND DO NOT PROVIDE ACCURATE INFORMATION. This has caused me great financial distress. I have been denied auto loans and could not secure housing because of this on going issue.
In XX/XX/2018, I completed a dispute of an account in collection ( {$1000.00} ). The account was not verified within 30 days and was promptly removed from my credit report in XX/XX/2018. I check my credit monthly and upon checking my credit today ( XX/XX/18 ) I was alerted that the collection account had been re-inserted under the collection agency : Diversified Consultants in the amount of {$1000.00}. It is required that I receive notification of any previously deleted item being re-inserted on my credit report. I have received no such notification. Please have this deleted immediately.
Federal Tax Lein was released and withdrawn by the IRS With the withdrawal filed with the XXXX XXXX XXXX Transunion is not updating and removing this from my credit report as they are supposed to. They have updated it to a paid Tax Lien and not withdrawal
The Credit Card and checking account was opened in XX/XX/XXXX for my mother. I only had a P.O.A. that says no financial gains. A contract was issued in my mothers name ( Not Mine ). It was under my mothers name as card holder and I would have to use her date of birth and social security to access the account. In XX/XX/XXXX Wells Fargo on there own changed the account which was in there best interest. XX/XX/XXXX my mother pasted away and the accounts were to be closed. Wells Fargo again change the account to my name with out my knowledge and now expects me to pay the account off. 
I have asked for a copy of the contract showing my name on it but was told " Because we remove banking records and history according to guidelines the application is no longer available for review ''. This is not acceptable and the account should be removed from my records. Instead they have reported several months late to the credit bureaus and have destroyed my credit rating.
Back in XXXX, I notified XXXX, Equifax and XXXX of fraudulent activity on my credit report with XXXX XXXX XXXX multiple accounts fraudulently reporting and XXXX and XXXX XXXX hard inquiries fraudulently acquired without my permission. As of today, nothing has been done. I 've provided Equifax and XXXX with requested info such as police report, identity theft affidavit, FTC identity theft report and more but XXXX, Equifax and XXXX have not deleted inaccurate accounts and inquries off my credit report. XXXX XXXX XXXX accounts are not mine. XXXX, XXXX, and Equifax has not complied after I have complied by provided proof those accounts are not mine or permanently deleting them off my report. They have repeatedly violated my rights as a consumer and are in violation of crediting reporting laws.D
According to the Fair Credit Reporting Act, I am permitted to have accurate and true information reflected in my credit report. To accomplish this, I have requested that my good pay history with XXXX XXXX be added as soon as possible. The account has been open since XXXX XXXX, 2014. The account number is # XXXX This account is a reporting subscriber to Transunion, and I have asked numerous times for it to be added to my credit file. 

I understand that, A consumers credit report should reflect completeness and accuracy within a reasonable time after notification by the consumer. I look forward to receiving an updated copy of my credit report reflecting this change.