WillisBack/dataset-financial-user-claim huggingface dataset:
I requested my annual free credit report from Equifax earlyXX/XX/XXXX. I received a letter stating that they needed identification data to process the request, dated XX/XX/XXXX. I sent the documents with the letter to the company - should have been received by mid XX/XX/XXXX. I called the company on XX/XX/XXXX to follow up. They had no record of my documentation. They could not even contact the mail room to ensure my documents were received. At this point I believe my documents are being processed erroneously. I did get a fax number for the company and faxed the documentation with a cover letter that day. I waited until XX/XX/XXXX to follow up with Equifax ( as I was told it would take 48 hours ). That was false. I was on the phone with XXXX and XXXX ( a supervisor ) and was told that the 48 hours was only how long it would be to upload the documents. Equifax still does not have record of my documentation. XX/XX/XXXX. I received an email stating " Equifax has completed your dispute for Confirmation Number XXXX. '' This is actually false as well. They updated my file stating I have a dispute but that is all. I was not able to upload my documentation to the web email to Equifax. This is yet another failure on the part of Equifax. I called Equifax, ( XXXX  and XXXX  ) and got a secondary fax number and sent my documents for a 3rd and 4th time today, XX/XX/XXXX. This entire process is unacceptable on the part of Equifax.
XXXX, Equifax and XXXX are reporting a Bankruptcy as a public record falsely. File date XX/XX/2017. I have contacted the United States Bankruptcy Court and they have sent me a letter verifying that they do not verify with any third parties such as credit bureaus. These credit bureaus are reporting this on my credit reports and I would like it removed because it is not verifiable.
In response to a Citibank promotion to open a checking account, I followed the three steps to obtain a {$300.00} bonus, namely : 1 ) Make a qualifying deposit of $ XXXX  2 ) Maintain that $ XXXX  balance for 60 days 3 ) Completed one qualifying direct deposit for 2 consecutive months.

I opened my account in late XX/XX/2017, and set up my paychecks to send {$250.00} twice a month to the account. I have maintained that practice to this day.

After six months of leading me along, with multiple Citibank representatives telling me that I had qualified for the bonus and that it was just around the corner, they are now saying that since it took more than 30 days for my direct deposit to start working, I failed on this technicality to obtain the bonus that I had earned.

The original advertisement did not contain any such language, and subsequent materials Citi has shared does suggest that they have a time limit for the initial direct deposit. However, multiple Citi representatives failed to relay this information over the first six months of this account, making my rely detrimentally on their promises ( which they continue to make ). I would like receive the bonus I earned in good faith.
Ocwen servicing company for XXXX is listed twice on credit report for same account and refuse to update it. They told me to talk to XXXX. I have filed complaints with credit bureau to no avail.
On or about XX/XX/2016, I was fired form my job as a XXXX XXXX XXXX at XXXX XXXX XXXX - XXXX, TX. My mangers asked me about my occasional XXXX. 

I was mot missing time from work and I also had approved XXXX with unlimited absences. I also had nearly 200 hours of PTO untouched. When I did not allow them to violate my HIPPA rights, I was told to update my medical status as soon as possible. My doctors arrange 5 referrals visit for me during the first week of XX/XX/XXXX When I presented this list to my management on XX/XX/2016, I was released without cause or explanation. 

My condition worsen. XXXX XXXX, XXXX XXXX, and positive XXXX XXXX screening is what I am facing today. Despite my issues, I have been actively seeking employment despite my physical appearance. 

XXXX was already under internal and external investigation for similar actions against employees. my medical coverage was terminated before I could make the badly needed appointments. To make matters worst, they continues to show me as employed with medical coverage in place. This action prevented me from purchasing affordable coverage as well as qualify for XXXX XXXX indigent coverage. I hired attorneys to help with this case and a second attorney to address my XXXX benefits. My condition worsen and I had emergency XXXX XXXX in XX/XX/XXXX.
Our mortgage was recently sold to Rushmore Loan Management company. We arranged online bill pay through our bank, XXXX, to send the payments like we always do. On XX/XX/XXXX, XXXX sent the first payment of {$3300.00} and it was received and applied to our mortgage. On XX/XX/XXXX, XXXX sent another payment of {$3300.00}. However, Rushmore is claiming they do not have the money. We sent this payment the same way the previous payment that they processed and cleared with the same account information, etc. They then said that if we didn't pay another payment for XX/XX/XXXX, since they never received the payment, we would be charged late fees. So, we used their online system to send the XX/XX/XXXX payment on XX/XX/XXXX, and then we also paid XX/XX/XXXX with their online system on XX/XX/XXXX. Yet, we still have not received a credit for the missing XX/XX/XXXX payment of {$3300.00} from our bank account. 

Every time we call Rushmore to try to resolve this issue, they never know what is going on and never have any answers. They tell us that they are researching until a certain date, then the next time, we get a new later date. It is extremely frustrating and the company representatives have not been helpful in assisting us to locate our missing {$3300.00}.
AES ( also known as PHEAA ) is consistently endorsing sending repeated documents through the mail related to 1 delinquency, and this happens throughout a period of 30 days. At this point in time, I have no idea how many pieces of hard mail actually were sent, who they were sent to, and if they have proof of sending them and proof of them being delivered. 

I have a huge problem with this because this opens up ANY INFORMATION contained within those mailings to hackers, identity thieves, and any potential individual who wishes to steal information for any type of reason that could be construed as malicious. AES, instead of recognizing that this is a global issue refuses to do anything about it nor will they cooperate with my plea to refrain from this practice. We 've already had one major company who manages the Credit profiles of United States citizens allow and engage in a breach to occur which affected a very large majority of Americans. 

I refuse to be the victim of this type of criminal behavior going forward. Organizations, specifically financial lenders, banks, and Aid organizations need to be maintaining this as all organizations need to have extreme integrity. Conclusively, if AES will admit that they can not do anything about this, then that openly identifies them as an organization who refuses to abide by keeping information confidential. I 'm appalled that we have organizations who are this careless in our society, as our generation of individuals becomes more and more unprotected from those people and parties who wish to do those of us harm. 
Here 's another problem I have with AES responses to this ... they claim that they do n't put any personal information on those mailings. What they need to understand is that ANY INFORMATION on those documents is enough for a cyber-hacker to use to steal information or hack into a system where they can retrieve the identity of an individual/individuals. 

In addition to this, I 'm forwarding all of this to the current President of the United States, because I think he needs to be aware of just how serious organizations are taking security these days. I think it goes without saying that he would agree with me.
I bought a car in XX/XX/XXXX from a company called XXXX.in XXXX, Ga and paid it out in XX/XX/XXXX., so XX/XX/XXXX XXXX was bought out by a company called XXXX XXXX XXXX in XXXX , fla . so XXXX XXXX XXXX says in order to get the title I have to pay them {$1400.00} for the title because I leased the car from XXXX., so they want to charge me what they called resiual fees. there phone number is XXXX customer services. XXXX XXXX XXXX XXXX XXXX XXXX, Fla XXXX.
To Whom it May Concern : I am very concerned that I can not retrieve my free credit report from any of the credit bureaus. None of the challenge questions match my credit profile at ALL. I am worried that my credit has been comprimised. I have taken the steps to request my credit report and score through the mail but I need action NOW. 

Any information or assistance you can provide would be invaluable. 

Kind Regards, XXXX
I XXXX from college with a XXXX in XXXX XXXX. I then went to XXXX. When I was accepted into XXXX I was also trying to get financial aid to help pay for the XXXX. They accepted y request for aid under the circumstance that i paid off my Perkins loan. They would NOT release my money for the XXXX until it was paid, I then paid the load in full, they released my money almost when I was about to XXXX the XXXX. 
Two years later I received a notice from the attorney general saying that my Perkins loan was never paid. I called the school and they said that it was paid and then re opened for some reason. I have been dealing with this for YEARS now and every year they take money from my income tax. I have been fighting this for quite some time now and my credit is hurting because it shows on there that i have a default loan in the Attorney Generals office.
I am being accused of having a XXXX Card debt that I did n't pay off, so XXXX has turned over the account to another company ; Smith Debnam Narron Drake Saintsing & Myers LLP to harass me. I knew nothing about this, I 've NEVER used a credit card, the name is not even my legal name, now a sheriff served my mom papers where this attorney office is threatening to seize my properties! This is so wrong to do to people! I 'VE NEVER OPENED A CREDIT CARD!!!!
I secured an auto loan through XXXX XXXX XXXX ( American Honda Finance ) in XX/XX/XXXX. I have made all on-time payments and have paid as agreed according to my contract. Due to unforeseen circumstances, I filed for chXXXX bankruptcy on XX/XX/XXXX. I contacted American Honda Finance on XX/XX/XXXX and spoke with XXXX XXXX. I communicated that I would be re-affirming the auto loan to continue to pay outside the bankruptcy. I was told that once the re-affirmation agreement was received and the bankruptcy was discharged, my onetime payments would continue to be reported to the credit bureaus. This was the deciding factor to indeed proceed with a reaffirmation agreement and not surrender the vehicle. The reaffirmation agreement was presented to me and I signed it XX/XX/XXXX and American Honda Finance filed it with the court XX/XX/XXXX. The agreement was a reinstatement of my original contract terms with Honda/XXXX  XXXX. I once again confirmed with XXXX XXXX on XX/XX/XXXX that my payments would report the the credit bureaus after my discharge on XX/XX/XXXX and was told the account would start reporting payment history after discharge. As of XX/XX/XXXX, my bankruptcy is discharged. I received an email alert from FICO on XX/XX/XXXX that there were changes to my credit report and discovered that XXXX/Honda Finance had removed my entire account history from all ( 3 ) credit bureaus. I also discovered that my score declined between 50-70 points among the bureaus. I called XXXX/Honda Finance immediately on XX/XX/XXXX and spoke with XXXX who advised me that any account included in bankruptcy, regardless of reaffirming the account and regardless of the current payment status would no longer be reported to the credit bureaus. I asked when this policy change and she stated " recently '' and could not provide a date. I was not allowed the opportunity to speak with a manger. I now have a 60 month remaining term, a balance of {$40000.00}, a monthly payment of {$880.00} and a car that is only worth {$35000.00}. I will not be able to refinance this vehicle, and my credit has been harmed with this policy change. This is highly unethical as I have made all payments on time and I re-affirmed my obligation to Honda/XXXX XXXX with the promise that my timely payments would be reported to all bureaus as before once my discharge was final.
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
XXXX XXXX/Walmart cancelled my credit on XX/XX/XXXX. I contacted customer service several times and no one could help me I was told to wait for a letter in the mail because for some strange reason they were unable to read it on their computers. They informed me to contact XXXX  because this information was given by them. I contacted XXXX and was informed they do not give out information they receive the information and they do not know why Walmart would say such a thing. On XX/XX/XXXX I contacted Walmart again asking the reason for my card being cancelled because I did not receive any letter in the mail the representative could not give me an answer so requested to speak to a Supervisor I spoke with a supervisor and she informed me my card was cancelled because I am at a higher risk for fraud than others I asked could she better explain it to me and she stated she could not and that is what it stated on the computer I than ask to speak with her manger and was transferred to XXXX ID # XXXX and he gave me the same information I asked him was there anyone I can speak with and he told me no he is the highest level supervisor. I can not get through to anyone and no one will help me. I feel this is a form of discrimination because how was this determined based of the area I live or was it because of my race. I asked questions and he could not give me answers I informed him this was discrimination and he did not say anything. I had my credit card with Walmart since XX/XX/XXXX and never missed on payment and used my card frequently.
On XXXX XXXX, 2017 a certified letter ( see attached ) was mailed to XXXX XXXX about the public record reporting negatively on my credit report. In this letter it describes how maintaining this unconfirmed, unverified, and erroneous public record on my credit report has stopped me from obtaining credit and has caused financial damages as a result. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL FURNISHER, they must remove said information from the consumer credit file. I have called the clerk of Court and also obtained written evidence supporting the fact that TransUnion despite what it says in it 's response letter did not obtain information about a Bankruptcy from a credible original source. TransUnion continues to maintain incorrect unverified accounts on my credit report but by far this reporting is the more egregious of them all. TransUnion is in direct violation of Federal Consumer laws put in place to protect the integrity of the reporting process and consumer 's rights to fair and lawful reporting. TransUnion sent a response letter dated XXXX XXXX, 2017 stating the public record was " verified and accurate '' which is a complete fabrication.
Trans Union of course will never be able to provide me copies of all documentation associated with this Public Record Account bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature because it NEVER CAME FROM THE ORIGINAL SOURCE AS THE FEDERAL LAW REQUIRES. 

Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), TransUnion is required by federal law to verify through physical verification of the original court documents all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. 

So TransUnion must be calling the County Clerk a liar because the evidence is clear that this information was illegally obtained by nefarious ways to malign my good name and credit and is clearly a violation of ethical proportions.
XXXX XXXX, the fees they charge don't bring your account down when making monthly payment. Also when signing for this card I was told I either do it to have the XXXX or not and nothing about any promotional offers was given to me at time of signing and that is one of their excuses for charging me extra. I've been making {$110.00} dollar on average payments and it seems to be going nowhere. XXXX XXXX I think take advantage of the needing and poor to advance their company and it should be stopped. Especially when I went in for another XXXX with a different doctor a few months later and they did it with out question. I feel they are robbing people and they should be investigated. Me and my wife compared our credit card to this company and it is no where in comparison. XXXX XXXX charges a XXXX security fee each month on top of a 26.99 interest rate. It is only beginning of XXXX and here is a description of the fees they have already received. 
Tran Date Post Date Reference Number Description Amount FEES XX/XX/2018 XX/XX/2018 Card Security XXXX {$42.00} TOTAL FEES FOR THIS PERIOD {$42.00} INTEREST CHARGED XX/XX/2018 XX/XX/2018 INTEREST CHARGE ON PURCHASES {$64.00} TOTAL INTEREST FOR THIS PERIOD {$64.00} 2018 Totals Year-to-Date Total Fees Charged in 2018 {$98.00} Total Interest Charged in 2018 {$140.00} Total Interest Paid in 2018 {$760.00}
I reached out to XXXX agency debt consolidator to resolve my debt with J & L Teamworks who is a debt collector. When i sighed we agreed I would only pay {$2100.00} and pay {$150.00} a month to settle my debt and fix my credit. XXXX agency only had business with me for a short while, then transfer me over to another Consolidation company closer to me in California. I ask if my agreement of {$2100.00} would still be in place and my payments of {$150.00} per month would still apply and they said yes. After about XXXX years my balance went down to {$680.00} and I requested a payout. XXXX XXXX said it should not be a problem and reached out J & L Teamworks to settle. I waited awhile on the phone and when they returned they said that J & L Teamworks wanted {$7700.00} to settle and wanted to add XXXX other accounts to my balance. I said no. XXXX XXXX wanted me to sign a new contract to add the new balance and the XXXX other accounts, i said no. They said would I like to terminate my services till I have the funds to pay off the settlement and i said no I want to pay off the original agreement and they refuse to and hung up. When i got a statement the next month they add {$7700.00} to the balance and added the XXXX other accounts. I felt my first amendment right were violated. XXXX then sent me an email stating that i have been paying on the account I never agreed to and sending me false statements every month.
I submitted a check payment in full via USPS in around XXXX XXXX, but the amount was not posted until XXXX XXXX, two days past my due date. XXXX charged me a {$27.00} late fee and {$28.00} in interest. 
They refuse to refund my money when I called to complain. 
This card has an annual fee of over {$200.00} that I have already paid. For what it is worth, this card has award miles associated with it.
Reference CFPB Cases XXXX and XXXX CapitalOne did not resolve this issue again, and the answer is incorrect about what happened. To clarify it : First, the answer given by XXXX XXXX stated : " Our records confirm, on XX/XX/XXXX, you contacted us to close your savings account ending in XXXX. We confirmed that the remaining funds from your savings account of {$2200.00} were mailed to the above address on XX/XX/XXXX ''. That is NOT CORRECT! They never sent it to my current address. NEVER! Secondly, the total stated in their answer IS NOT THE CORRECT AMOUNT! The correct number is a total of {$2300.00} Details Checking - {$110.00} Savings - {$2200.00} I did call them and they confirmed by their support, they have made a mistake sending this check the WRONG ( old ) address. This confirmation is registered in this " Security Number '' XXXX. Now the bank is requesting me to sign an AFFIDAVIT letter? I wo n't sign it. I have bills to pay, and I 'm not PAYING it because this mess caused by them, I just want ALL my money back ... just that. When I requested to close my account, I was there in person with my Florida driver license in hands for address confirmation, and that was handled in person by their own personal. Please, I need to keep this complaint open, since this is not addressed yet. Thank you very much. XXXX XXXX. This is the third time complaining about it, THIRD and CapitalOne is not solving it the way it should. I should suffer for someone else mistake. Attached the print screen of the account.
Not sure where to start but the loan modification that i applied for with Penney Mac was on going but Penney Mac decide to move forward with the foreclosure sale even after stating in the month of XXXX that there was no sale date to worry about and the Loan Mod was in process I do n't understand why this company is XXXX XXXX on foreclosing on my home when i have supplied them with 99 % of the required documents for a loan modification review, I have repeatedly told Penney mac i would like to keep home and obtain a loan modification and not lose my home because of one outstanding document, which they have now as of the date of this complaint.
On my XXXX report and it 's a lot if inquires showing that I attempted to open up a numerous amount of checking accounts I 'm very upset because that 's false in, sure it happened when my wallet was stolen and I had a fraud alert put on y actual credit report so how could this had happened
i had a 2yr contract for sat.tv after 1yr they said they were raising the amount so i told them i was canceling. i was paid up at that time they were going to charge a penalty for canceling. they offered me 2 mo. free and then charged me any way so i canceled. iwas told i could'nt cancel i had a contract. if they can change my contract after 1yr why can't why can't i cancel