WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX XXXX, I applied for a XXXX XXXX rewards prepaid card on this website : XXXX XXXX XXXX The online system was not able to confirm my identity, so after calling their customer support team, I was told to fax a copy of my SSN and DL. On the XXXX, I faxed the document, triple checked that the fax number and card id were correct, and made sure the pictures were enlarged and brightened per their instructions. 
I called in the evening to check on the status and was told the fax was not received. I confirmed with the fax system that everything was properly sent and received. I followed up on the XXXX and XXXX, but the fax was nowhere to be found. So I had to fax it again and this time they received it. I then called many times to have them look into their system and find the missing fax, but they could n't even do it. I 'm really concerned that all my personal data is out there, and they ca n't find it. They even told me to keep an eye on my accounts to make sure nobody was using it. Nobody should ever have to fax such confidential data, especially to a service with such lax scrutiny.
A representative pounded on our door on a Sunday afternoon. This person nearly woke our sleeping XXXX month old, and was rude when my husband answered the door. They handed my husband a fake summons ( it was not filed with the court-no clerk 's stamp or signature ), and this was an attempt to scare tactic us into paying the medical bill in full. The bill was less than {$1000.00}. I had just weeks before made payment arrangements with the hospital of {$200.00} a month to resolve any past medical bill debt. ( We moved and did not receive all bills until updating our address. ) After calling, apparently the hospital sold part of the debt to XXXX different XXXX and the BC services was XXXX of them, and was unbeknownst to me not included in my payment arrangement. BC services should not be allowed to pound on my door! A simple phone call would have sufficed.
OnXX/XX/18 I was alerted that I received a hard inquiry on my credit report. I didnt sign up or approve anyone to check my credit report on XX/XX/18 but I got a hard inquiry. I called TransUnion to inform them that their is a duplicate hard inquiry in my report. I informed TransUnion that it wasnt me on XX/XX/18, I  asked TransUnion to remove the duplicate inquiry because its against FCRA guidelines to display inaccurate or false information about me. TransUnion denied me the right to dispute the inaccurate information. TransUnion asked for me to get a letter from the bank and the bank doesnt give out letters like the one TransUnion asked for. This is an error on TransUnions part and they refuse to fix it.
I had a five year home equity loan with Citibank. I had two years left on the loan before expiration and decided I wanted to extend it to a ten year loan. I contacted them and started the loan process to do this. I was approved and obtained a ten year home equity loan. After all the paperwork and legal documents were processed I was the loan became effective I was billed {$1100.00} for terminating loan before it's expiration. I had no idea there were fees to be billed because I was under the impression I was only extending out the first loan for a longer term. At no point did anyone I dealt with disclose or make me aware of these fees or I would not have chosen to proceed. I tried to discuss and clear up with the rep I dealt with and she also agreed that they didn't disclose this fee to me. She as well as myself have been unable to get these fees reversed. I sent a letterXX/XX/XXXX to Citibank to consumer credit, another XX/XX/XXXX also to consumer credit and also on XX/XX/XXXX to Citibank attention XXXX XXXX. On XX/XX/XXXX I sent a fax to XXXX XXXX at Citibank and had numerous phone calls with XXXX XXXX and Consumer Credit at Citibank. No one was able to resolve this for me. In the state of FL there are full disclosure laws. None of these fees were disclosed to me at the time of the loan or I would have chosen not to do so.
This is really a marketing compliance issue. Guild is offering kickbacks on their 97 % LTV loans - in addition to this, their licensing info isn't on their material. This is appearing on XXXX.
In XXXX 2015 we left our apartment in XXXX as our lease has ended. Before our last day the property management requested for a new mailing address in case they needed to contact us so I provided our new home/mailing address in XXXX, MD. Months have passed and I received a refund check from the apartment amounting to {$20.00}. In XXXX 2015, my nephew, who was also on the lease, found out that there was a derogatory report from XXXX XXXX amounting to over {$500.00}, I checked my credit report and I had it too, my friend, who was on the lease, had it too. We found out that it was from XXXX XXXX Apartment. I immediately contacted the apartment to inquire about this debt and asked them why would I receive a refund if we owe money to them. They could n't give me a clear answer and i was told that they would just notify us after they found out what was going on. We waited for 2 weeks and we didnt hear from them. On XXXX XXXX i contacted them again to follow up. They told me that we owe money for cleaning fee, unpaid untility bills etc. But i asked them why they never informed us regarding this debt, their answer was they sent the statement in XXXX but never heard from us. I told them that I never received anything and I wanted to see their mailing receipt but according to them they sent it via regular USPS mail so there was no receipt. I asked them again why they did n't try to contact me via email or phone before sending it to collection but they didnt say anything. It looks like they didnt exert effort to reach any of us before deciding to turn the debt over to the collection ruining our credit. 
We never received any letter from the collection company too! The property manager sent me an email telling me that they will contact the collection to hold the debt and remove it from our credit for 30 days and we have to pay the debt within that period of time or the adverse report will be back on our credit. We are not running away from the unpaid bills ( if any ), our main concern is the derogatory report that they made and prevented us from making loans, apply for credit cards, etc. for 5 months without our knowledge. We believe that this is not a fair practice of credit reporting and we strongly believe that the people who mismanaged this issue deserve disciplinary action.
In the process of buying a home and credit report was pulled and XXXX XXXX XXXX was on there from XXXX XXXX. Account has been showing delinquent and not paid however I can not remember ever having this account. Account showing with XXXX XXXX XXXX on all three credit bureau but different last payment dates. I attempted to contact XXXX XXXX at XXXX to verify debt and spoke with XXXX XXXX at XXXX on XXXX/XXXX/XXXX. He informed me that my acct was closed as of XXXX and transferred to a collection agency First National Collections. He could not help me any farther with this debt. That is inaccurate information reporting on my credit report as it shows XXXX XXXX however, it should show on my credit report who I need to contact to verify and validate this debt or make payments. If XXXX XXXX no longer has my records then this contract is voided and I need proof of my contract with First National Collections. I am requesting a verified agreement and signature and update to my credit bureaus with correct information. If verification and validation can not be supplied I am requesting deletion from ALL three credit bureaus.
I submitted three cases to the Consumer Financial Protection Bureau, regarding Trans Union repeatedly violated the FCRA 15 U.S.C. 1681i ( a ) ( 7 ). I have requested 8 separate times for Transunion to send me a valid method of verification bearing my signature for a disputed XXXX XXXX XXXX account. TransUnion has also failed to mark this account as disputed as federal law 15 U.S.C. 1681i ( c ) explains. They continue to violate federal law.

Here are the case numbers XX/XX/XXXX # XXXX XX/XX/XXXX # XXXX XX/XX/XXXX # XXXX
Applied for a modification when my husband passed away and I was the only income. They sent me the package which I completed sending all requested documents/tax returns/death certificate-notarizefterd. SS statement of benefits/XXXX years of bank records/copies of all my monthly expenses. All this was faxed at my expense. Then the calls/e-mails started ... ..they needed this they needed that. I sent it all I told them.Well we are missing documents. Sent what they requested again.Faxed. to them. Still missing documents.. Supposedly they assign an account manager to your case but you never get to speak to that person.Anyone answering the phone can help they say. After almost a year I get a letter saying I was denied the modification because of missing documents. I stopped paying my mortgage and told then they can foreclose which will take about two years. When we go to court I will show how they try to " help '' their customers especially seniors. As of now I am only XXXX payments in arrears
On XX/XX/XXXX, I received a notice from Bonneville Collections stating they were representing XXXX XXXX XXXX on a debt owed in the amount of {$5100.00} and that I had 30 days to dispute it. I sent Bonneville Collections a letter on XX/XX/XXXX disputing this debt they purchased from XXXX XXXX XXXX. I don't owe this debt and have been disputing this debt directly with Mr. XXXX XXXX - the owner of this lawfirm since XX/XX/XXXX. Mr. XXXX XXXX acknowledge my dispute via email on or around XX/XX/XXXX and apologized for the way I was treated by his law firm, but then all correspondence with him ceased - even though I attempted on numerous times to get him to get this settled with his accounting department - which he failed to do. I also sent them proof regarding the fact that I had been disputing this debt since XX/XX/XXXX and sent them copies of my correspondence to XXXX XXXX and his accounting department too. 
Bonneville Collections NEVER responded back. 

On XX/XX/XXXX, I called to try to handle an outstanding medical debt in the amount of {$180.00}. It was at this time that XXXX advised that my account with them had an outstanding balance of {$5800.00} stating that the remainder of this outstanding collection was for monies owed to XXXX XXXX XXXX. I informed them that I don't owe XXXX XXXX XXXX anything and that Mr. XXXX XXXX is fully aware of breach of contract I had with their law firm too. I questioned them about the invoice I received from them dated XX/XX/XXXX wherein they fail to notify me who this debt is for and instead say " Referred by : Your Creditors. '' XXXX stated that they could report this outstanding debt because they had a contract wherein I signed stating I would pay XXXX XXXX XXXX for their services. This is accurate, but I also fired XXXX XXXX XXXX because they failed to hold up to their commitment of our contract ( breached contract ) and I had to go elsewhere to get the assistance me and my XXXX XXXX XXXX XXXX sons were needing/seeking with regards to our Temporary Restraining Order and Custody Case.
In XXXX XXXX, I was surprised to find a collection entered on my credit report from Gold Key Credit , Inc. when I did n't have any prior notice, warning or communication that this debt was subject to or nearing collection efforts. At the very least, I would have attempted to settle the debt after confirming ownership to avoid this from hitting my credit report. I received a piece of mail on XXXX XXXX, XXXX from Gold Key Credit , Inc. requesting payment. According to their records, this debt occurred in or around XXXX XXXX. I was hospitalized for 5 days but XXXX XXXX XXXX XXXX reduced my debt to {$100.00} due to the fact that I was uninsured and unemployed. I can not confirm the validity of this debt as I was in a XXXX accident in XXXX XXXX and went to a different hospital, yet XXXX bills state I owed money to XXXX XXXX XXXX. The debt resulting from the XXXX accident has been paid through my attorneys and I produced documentation of payment to XXXX XXXX XXXX.
i opened a brokerage account with Citi. I was told by XXXX XXXX ( XXXX ) that I would get {$100.00} sign-up bonus by opening a brokeage account by XX/XX/XXXX and transferred $ XXXX assets within 2 months. The sign-up bonus would be credited to me by XX/XX/XXXX. 

I applied the account with XXXX XXXX ( XXXX ) on XX/XX/XXXX and submitted request to XXXX on XX/XX/XXXX. $ XXXX assets was successfully transferred on XX/XX/XXXX. 

I confirmed that {$100.00} bonus with XXXX. So far, I have n't seen the bonus yet. I emailed XXXX a few times regarding to this. He said he was working on it, and I should see the credit soon. It 's a year now. and I still have n't seen the sign-up bonus.
I had fraud on my Wells Fargo Credit Card the end of XX/XX/XXXX and funds returned XX/XX/2018 in the amount of {$1200.00}, this was including the Adjustment Purchases and Interest adjustment as well and these were International charges as well. Wells Fargo replaced my card with a new one as well. On XX/XX/2018 my account showed 2 bank adjustment 's one for {$430.00} and the 2nd for {$140.00}. I saw these charges XX/XX/XXXX and called in about them. They explained that one of the International merchants had returned funds and it had gone to the old credit card number that had fraud on it originally ; the system in error did a bank adjustment on my new card and added the two amounts making me responsible in paying them back. They stated that the system would correct the error in 24 to 48 business hours. That time passed and I called back again being told the same thing, they stated that they would do a manual adjustment so those charges would be removed from my account but it never happened. I was then told in the beginning of XX/XX/XXXX when I called back that the fraud department was not allowing the correction to be made. XX/XX/XXXX I called customer care to request a case be opened as I was beyond frustrated by this situation. The customer care representative agreed that there was an error and attempted to resolve it with fraud and had no luck. He opened a case # XXXX and told me it would take a few days. A week passed and I called again XX/XX/XXXX and was told a XXXX  was assigned to it but nothing had been started yet but I would hear back from him. I still had not heard anything and called XX/XX/XXXX XXXX and spoke with a XXXX XXXX who was very helpful. She also reached out to fraud and found them to be very frustrating, she compiled an email to make clear what had happened and what needed to be done. XX/XX/XXXX she let me know she was told by a fraud manager that they  would make the corrections and would credit my account the {$570.00}. It would again take 24 to 48 business hours to complete. I checked my account on XX/XX/XXXX and saw that they did not credit my account but did a balance transfer of two amounts of {$140.00} and {$430.00} ( the original amounts that were to be removed ) as a debit to my new card. So I am now carrying a balance of {$1100.00} on my credit card that were from fraudulent charges. Wells Fargo has not fixed this error and has only made this worse. This high balance on my card is affecting my credit and I am being held responsible to pay for charges that are not mine. I will attempt to call back again to try and resolve this situation but I feel I am being victimized by Wells Fargo by them not fixing this error ( s ).
On XXXX XXXX, I deposited money for my father in XXXX. The online portal that MoneyGram has Only allows you to put the receiver name and receiver last name. Due to my father having a middle name, he was unable to get the money transfer. This is MoneyGrams fault because I was only asked for first and last name. I tried to log in and coincidentally my account was not identifiable and had an error. After I called Moneygram, they said they can cancel transaction but I would n't get my money until 10 days. That sounds like fraud to me.
This complaint involves XXXX companies that each claim innocence. They each tell me to talk to the other company and none offer any method to resolve the issue The companies are XXXX TransUnion and XXXX Specifically ; XXXX XXXX Provides me My XXXX score and an explanation for any change as follows ; Your XXXX ( XXXX ) Credit Score is based on your TransUnion credit report using the XXXX ( XXXX ) Score XXXX. 

The " problem '' is that that after months of having a XXXX score at or near XXXX, my XXXX score dropped to XXXX as reported by XXXX XXXX XXXX. The Credit Card offers a free XXXX score updated monthly. XXXX, shows the reason for this decrease is : " 1. PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH The balances of your non-mortgage installment loans ( such as auto or student loans ) are high compared to your original loan amounts. As you pay down your loan your balance decreases, which reduces the proportion. '' The key to the above statement is " NON-MORTGAGE installment loans ''. are HIGH. 
In reality, the only financial activity that I was involved in was a refinancing of my HOME Mortgage. In fact, the action was to refinance an existing balance at a reduced interest rate with no cash out. Bottom line is that there was no change in outstanding debt, the only change was a debt that is now 100 % of the " new '' mortgage balance as compared to, approximately 75 % of the " old '' mortgage original loan. REMEMBER ... the debt amount is exactly the same! Also remember that this is MORTGAGE debt ... Not the " non-mortgage debt '' as referenced in the XXXX Card explanation for change ( decrease in score ). 
Upon discussion with XXXX, they directed me to TransUnion, who can not /will not explain the change and they blame XXXX as they are the company who determines the score.When I discuss the problem with XXXX they in turn blame TransUnion who provides the data for the XXXX score determination. 
So as a consumer, I am directed into a XXXX way loop of blame, XXXX blames TransUnion, who blames XXXX XXXX ... who blames TransUnion. I have experienced a significant change in my XXXX score that is unwarranted. The fact is, that by refinancing at a lower rate, I have lowered my monthly payment, which in fact ( common sense ) should improve my credit score. There is a significant problem in either TransUnion '' s classification of Debt type or in XXXX formula for XXXX score determination. This case shows that consumers who refinance could and some cases will experience a significant decrease in their XXXX score, which in turn can have a significant negative impact on future borrowing costs
I have repeatedly asked for proof that the debt belonged to me via certified mail. They can not provide me the information requested and refuse to remove the item from the credit report.
On XX/XX/XXXX, I filed a dispute for an ATM Withdrawal where funds requested were not dispensed which occured on XX/XX/2018 for {$320.00}. After initially filing the dispute with NetSpend Customer Service, my prepaid card accounts held with NetSpend were closed on XX/XX/XXXX and I am not allowed to open anymore accounts with them, despite having been a customer in good standing for years and never having filed a dispute in the past. 

This decision was made immediately preceding the filing of my ATM Dispute. I feel that NetSpend has purposefully closed my accounts and want to ensure that my dispute is handled appropriately. I am asking this dispute to be further investigated to ensirr. Compliance with FCRA Regulations, including Regulation E for which I have also submitted then attached ATM Dispute Notification Form in Writing.
Dear Sir or Madam, XX/XX/2016 I traveled to XXXX and used my Chase credit card during my travels. Of particular concern was a double charge on my card that was from a bar that I visited. However, I only authorized and signed for a single charge from this bar. I contacted Chase about this extraneous charge and they immediately reversed the charge of {$130.00}. On XX/XX/2016, I received a letter from Chase stating that they contacted the vendor, XXXX, to dispute the charge. The vendor provided XXXX sales receipts and thus, Chase considered the charge valid. Chase provided these XXXX sales receipts to me in the same letter. However, what is apparent is that the signatures on the sales receipt clearly show XXXX different signatures, one which I had signed and authorized and a second signature which I had not authorized or signed. None of my party signed or authorized the charge as well. If you focus on the signatures on the attached sales receipts, it is clearly evident that the signatures are clearly different. After noticing the discrepancies in the signatures, I contacted Chase again about this fradulent charge, speaking to at least XXXX people on the matter, all of whom were unhelpful and bounced me around to different departments. Eventually, I was then instructed to write a letter to Chase explaining the charge. On XX/XX/2016, I sent in a letter to re-dispute this matter. A month later, I received a letter from Chase on XX/XX/2016 stating they consider the charge valid because they are unable to find a " billing error. '' Again, I, nor any of my authorized users, authorize this charge. Just because I was present at the same establishment does not mean that the charge is valid. My credit card was swiped twice and someone else signed for it. I can only speculate that this charge was an error on the part of the bartender and the establishment, however I should not be the one liable for this charge when the vendor mixed up the sales receipts. Chase refuses to acknowledge this. I recently paid off the amount of {$130.00} because it was the remaining balance on a closed account and I no longer want to have a balance on it. However, that is not a justifiable reason and I would like Chase to refund me the amount of {$130.00} that was fraudulently charged on my credit card. If you would like, I can provide all correspondence between Chase and I on this matter, including the sales receipts that was provided by the vendor. I appreciate your help on this matter and please feel free to contact me at any time to discuss.
i went to get an auto loan and when they ran my social security number it came back as deceased. i have all called all XXXX credit agencies and no one can seem to give me an answer
1. Equifax is well past 30 days past due on a Judgement in the amount of {$620.00} that was awarded to me and is attached. 

2. RE : Intent to file lawsuit, no response for Validation documentation. 
Validation Letter sent to : XXXX A Debt CollectorXXXX XXXX XXXX XXXX, FL XXXX Account ending in # XXXX To Whom It May Concern : Please be advised I have requested " validation '' { not verification } of an item reported to you by the above original creditor/collection agency. I have received no response from them and/or no proof to validate their claim. 
They have broken the law by their non response within the time period allowed by law. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this erroneous claim. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
On XX/XX/XXXX i filed a dispute with equifax. I just checked and the web page for disputes pertaining to Equifax says temp unavailable. This has already been a week with the same message. I call the phone number and it is impossible to get through to a live person. On the phone it says that the investigation was completed on XX/XX/XXXX. I never received the results. If Equifax is so irresponsible to handle my dispute with such disregard. I dont see why they should be allowed to report on my credit. My name is XXXX XXXX the last four of my social are # XXXX date of birth is XX/XX/XXXX. I want someone to call me from equifax. I also want my results mailed to me. Lastly I want Equifax reprimanded for not keeping thier website in working order.