WillisBack/dataset-financial-user-claim huggingface dataset:
I applied today and was denied. XX/XX/2019. And also applied for other cards like discover, XXXX XXXX XXXX. XXXX XXXX XXXX emailed me to apply again because the decision might be different and than. I need a credit card For making big purchases like clothing or shoes for my kids I am a single mother with one income and only getting child support from one of the days which is only XXXX a month. Also for emergency like medicine for them or gas. I have a job working at a XXXX XXXX XXXX and going online for schooling. So I am trying my best.
XXXX XXXX XXXX is reporting under 3 credit bureaus duplicate accounts that they have not verified
Was contacted by XXXX XXXX at Loan Depot to refinance our house with a lower interest rate for our VA home loan. We discussed the amount of consumer debt we had that was being handled by XXXX XXXX. XXXX XXXX said we could solve that. So we applied and everything went well and we discussed making sure that we had the right amounts as some of them have been paid off and/or in the process of being paid off through XXXX XXXX. No problem that will be done. After closing the closing company sent us the checks made out to all the creditors and not with XXXX XXXX as we had been told. No one even called from the loan dept even after I had mentioned about our discussion. Now I am in the 4th month trying to solve this issue with XXXX XXXX XXXX loan originator at Loan Depot. It appears to me she is putting me off with XXXX of money that need to pay some to XXXX law and the rest to us. How long should a consumer wait when you have been up front with people? I am current on this loan and all my debts. I would like this issue resolved. I told XXXX XXXX I was n't going through another month. I have even called her boss. I guess I need to call her bosses boss. Her bosses number is XXXX the subject on my email string is Documentation Request Case ID # XXXX. our loan number is or was Your loanDepot Loan Documents-XXXX
Earlier this month, I set up an electronic payment from my primary checking account to make a payment on a Citi Visa card prior to the due date. I then received an email letting me know I had a secure message online ( after the due date ). I logged into my account and found a letter ( PDF ) stating that the payment was never made. In this letter, Citi had my correct routing number but my checking account number was missing XXXX digit. To correct the issue, I first tried to re-enter my correct checking account information, which Citi would n't accept since they said they already had this checking account on file. I then tried to delete the checking account information to re-enter it, but I was locked out from making changes to my banking information online. So I then contacted Citi again asking them how I should proceed. I then received another email letting me know that there was a secure message online. But when I logged into my account this time there was no letter ( PDF ) or electronic message. I also noticed that I was assessed a {$25.00} fee ( for a returned check ). And, just now, I received an email letting me know that Citi reviewed this account and lowered my credit limit by more than {$1000.00} to the point that this card is essentially maxed out. 

I feel like I am either being punished for noting an error on the part of Citi that they are trying to cover up. Or that Citi used this error ( or prompted this error ) to create a situation where I would unknowingly be late on a payment just to lower my credit limit and thus negatively impact my credit score.
Receiving nonstop calls to my work and it is a recording stating its XXXX does not identify who they are or what they want. Recording states they are trying to obtain my location and whereabouts and if they are unable to locate me the law allows them to contact all references etc. Phone calls are not allowed to my place of employment, calls are recorded and they continue to call. Never identify who they are or what they want. I have no correspondence from anyone nor do I have collection action or anything of that nature on my credit file. They are calling from XXXX and XXXX
I have a Citibank Thank You Preferred card. I was attempting to purchase an international flight, and apparently my account was flagged for fraud. I called the toll free customer service number to resolve, but was told that this would be impossible because my number did n't match the one that 'they have in their systems '. Funny thing is that, on my online account, it clearly lists the last four digits of my number ; the number that I gave them to confirm, and the number that I was calling from. They then told me that they would need another credit card to confirm against with the respective bank that it belongs to. I gave them the card number, and they told me that I would need to wait 24 hours for confirmation. 

I call 24 hours later, and the new person has no idea what 's going on. Gives me the same line, phone number, credit card number, etc. I tell her that I 've done this before, and that I needed a better, more direct solution. She told me that my cell phone number did n't match what they had on file. I gave them my landline number ; they had that one ( the first rep did n't say that ). They say that they 'll call that number, leave a message with the confirmation number, and I 'll need to read that back. Someone is at my house during this time listening for the phone, no call. The rep from Citi said that she called and left a message. 

In the end, I have a frozen account which I can not close, and I can not verify my identity even using the gratuitous amounts of personal data that a financial company such as Citi has on me. I do n't know what to do and Citi is not at all being helpful, and only offering non-solutions to help resolve this problem. 

I stayed on hold for an extended time to get the team-lead 's name and title ( it was a lady ), but she hung up on me after I waited on hold approximately 45 minutes.
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX my current and only address is XXXX XXXX XXXX XXXX, OH XXXXThe following addresses are not mines please remove delete them : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , FL XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX  , XXXX, OH XXXX
In a recent dispute, the results came back verified. 

1. I cant imagine what legal precedence you have that would allow you to report [ Ref # XXXX US BKPT CT XXXX XXXX ]. I called the court and was literally told that they dont verify, validate, furnish, produce, etc., any public record info with you guys. Technically, theyre the original creditors you need firsthand knowledge! 

Delete it and send me a new report. 

2. Can you please explain to me why they are reporting that I have a balance. From what I understand, they write off a portion on their taxes and get paid by their insurance, so why would I pay this too? So they get double paid? 
[ XXXX XXXX Acct no. XXXX ] [ XXXX Acct no. XXXX ] Delete this immediately. 

3. Arent you supposed to have copies of my signed documents in a file there? Well considering that I dont know [ XXXX XXXX XXXX or XXXX XXXX XXXX ] is, I need you to send it to me. 

Thanking you in advance.
Midland Funding, LLC failed to contact me in writing prior to reporting debt collection to the three credit bureaus. I contacted the company in writing letting them know not to report to the credit agencies because the alleged debt is in dispute. Also, Midland Funding, LLC has yet to verify the debt and provide the information that I requested about the debt.
My name is XXXX, but I was XXXX in high school which I never graduated from XXXX. I since have had my XXXX change at XXXX I 'm now XXXX, I still never got my highschool degree nor GED and I 'm being harrashed about paying this back
The dealership finace officeXXXX XXXX misrepresented information on the APR rate in closing our vehicle purchase on XXXX/XXXX/XXXX. When presented with our Bank of America online pre-approved apr of 2.24 %, XXXX insisted that our auto loan and purchase contract can only be written at 3.97 % from the same Bank of America at the time of our closing but the rate will be adjusted once he worked through the application with Bank of America XXXX department. When asked, he told us no further actions needed on our side. Everything will be taken care of. When we got the bank approved letter with XXXX APR, we made it available immediately to dealership on XXXX and again on XXXX. The dealership did not make any indication that they are not going to process the pre-approval letter. When the loan is established in our Bank of America account, we see the APR did not get adjusted as we were informed. We contacted dealership couple times, no response. I got suspicious and contacted BoA on XXXX again as i did not get a response from my call and email to my Bank of America loan officer. I was told by another Bank of America agent that the loan was processed at the dealer without the preapproved apr rate. I finally got dealerships response on XXXX/XXXX/XXXX. We were told the rate canot be changed and we would need to refinance. I sent an email as an official writen request to ask about their fraudulent practices on the same day, they immediately called and tried to resolve the issue but no real offer.
This month, on XX/XX/XXXX, my loan payment of {$450.00}, which was due on XX/XX/XXXX, was mailed to Navy Federal Credit Union by my bank XXXX. Navy Federal Credit Union said that they did not receive it until XX/XX/XXXX. I normally order payments from my bank to be sent 10 days before the money is due.
This problem has occurred twice before within the last year, and I believe that Navy Federal Credit Union is delaying the processing of incoming checks rather than marking them paid on the same day that they are received. I would like an investigation of their bill processing practices, since I think that 9 or 10 days should be sufficient time for checks to be mailed and processed in. 
I asked to speak to an upper level manager of XXXX XXXX XXXX, but the supervisor with whom I spoke refused to transfer me.
We are in the process of a short sale since XXXX 2015, a completed short sale package was sent to Seterus & XXXX to be processed, including all updated financials every month. I received an email from XXXX that they can not move forward because they are waiting on the Servicer, Seterus to complete the necessary paperwork that XXXX needs in order to Approve the Sale. I have contacted the seterus negotiator via email and have called the customer service number at Seterus and has not received a response. On XXXX/XXXX/2015, I contacted customer service again, and requested a manager/supervisor to step in and help with moving this file forward since the Negotiator has been silent for over a month. They told me they say that the last time the file was touched was on XXXX/XXXX/2015 and that buy XXXX/XXXX/2015 XXXX would hav ewhat they needed. Well I follow up today and this was the message I recieved from XXXX:XX/XX/2015 XXXX Sales Borrower eligibility is still being determined. We are still waiting for Seterus to complete their portion of the short sale review. If you have questions regarding the required documents or need an update on the short sale please contact Seterus directly at XXXX. Thank you. 

Can you help?
I am trying to unlock my credit report that is frozen with Experian. I have tried online and all they tell me is " We're sorry. We were unable to honor your request ''. I tried to unlock my credit report so that I can apply for a new loan. I followed the online form on their website only for it to tell me that my information is not valid and that I could either mail in my identifying ( proof of identity, citizenship though social security card, and bank statements for address verification. I tried to call the number and all it does is play an automated recording, I tried to upload the documents and they gave me the error above. I am currently working overseas and do not feel comfortable mailing all these personally identifiable documents in the mail. Their website offers no other resolution other than mailing their phone number only offers me the same mailing solution.
I filed Ch XXXX bankruptcy on XX/XX/XXXX. I received a discharged from US. Bankruptcy Court XXXX  District of Virginia on XX/XX/XXXX. In my bankruptcy creditors list my attorney submitted to the court included all accounts with XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ), in XXXX   VA. XXXX  and XXXX reported my accounts with XXXX XXXX `` this account is included in Ch XXXX bankruptcy '' that is correct. But Equifax reported this same account " charged off {$12000.00} '' and account open date :XX/XX/XXXX ( after bankruptcy discharged date ), type of account is unknown, monthly payment is unknown, high balance is unknown. I disputed this incorrect account reported by Equifax at least 6 times but Equifax never changed the results. My main point is a same account status, XXXX  and XXXX reported correct " this account is included in Ch XXXX bankruptcy ''. Equifax reported " this account charged off with balance of {$12000.00} ). I requires Equifax should change the status of my account to " this account is included in Ch XXXX bankruptcy ''
My XXXX XXXX bankruptcy was discharged in XX/XX/XXXX, Transunion listed my bankrupt as filed. I disputed this information after my discharge and Transunion came back saying the information on my report is correct. Again in XX/XX/XXXX I disputed my bankruptcy with Transunion as reporting incorrectly and again they came back with the information on my report is accurate. Both XXXX and XXXX   within days of my chapter XXXX discharge reported my bankruptcy correctly.
I filed bankruptcy XX/XX/XXXX and several debts that were discharged now show they were " charged off '' after the bankruptcy. My disputes for each account to the XXXX XXXX XXXX XXXX credit reporting agencies as well as attempts to resolve directly with the creditors have failed. Each agency and creditor refuse to correct the information and cite that it is " accurate ''. These accounts were not charged off prior to my bankruptcy. They began reporting a charge off after my bankruptcy. This results in each of the accounts being identified as derogatory with a charge off after my bankruptcy. This is a significant factor for lenders who review my credit report because they see accounts " charged off '' after bankruptcy which is misleading as to my credit worthiness. It is my understanding that the creditors may charge off an account after bankruptcy for their internal accounting purpose, but reporting a charge off after bankruptcy is a violation of credit reporting and bankruptcy statutes. I have sent correspondence multiple times, return receipt requested, with specific information that should be corrected. It remains in error and at this point they refuse to further investigate despite my repeated attempts. The credit agencies and creditors have also ignored my requests to provide their methods of verification after my disputes under the FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) ; it is my position that neither are unable to provide a method of verification because they are unable to do so. I have repeated the process of dispute when these charge off were reported after bankruptcy for each creditor that is reporting a charge off. Some are not only reporting a charge off after bankruptcy, they changed payment history to reflect a charge off prior to bankruptcy which is untrue. Prior credit reports show that the accounts were not charge off prior to bankruptcy. The credits retroactively changed payment history to charge off after bankruptcy. The creditors who are engaging in these actions XXXX. For example, all of these creditors are reporting that the account was charged off in XX/XX/XXXX -- -after bankruptcy. XXXX specifically retroactively entered charge offs prior to bankruptcy when accounts were not in charge off status.
Sometime in XX/XX/XXXX or XX/XX/XXXX I rented an apartment for my Uncle XXXX. After 2 months the apartment was broken into through the sliding glass doors. After only another 30 days XXXX 3 months into the rental agreement XXXX the apartment was broken into again and this time the XXXX busted in through the front door. After speaking with the police and the property manager, the property manager agreed to release me from the lease without any penalty and I signed a paper stating this fact and went about my business. I recently discovered an account for over {$4000.00} on my credit report for this. After contacting XXXX about this directly they told me that I had not paid the bill due to my having child support issues. Well, I have no children and no child support, so I am not sure if they have the wrong person or what is going on with this account. However, I know that I do not owe a bill to XXXX or any collection agency collecting on behalf of this company.
In XX/XX/2016, I opened an XXXX XXXX XXXX XXXX XXXX Credit Card, and I have not received the bonus XXXX Starpoints. Nor has my mother received the bonus XXXX Starpoints for referring me. I was also under the impression at the time of sign up that I would receive an additional XXXX points for reaching a certain spending threshold, which I believe had been met. I have tried unsuccessfully several times, through phone calls and online chat sessions, to get XXXX to uphold their contractual agreement with me. 

I was told by a customer service rep through an online chat session that these points should be awarded to me in XX/XX/XXXX. After not receiving them, and numerous attempts made, I threatened to sue XXXX and was transferred to a manager who overnighted XXXX points to my XXXX account. 

I later discovered that these were not the XXXX bonus points as promised, but rather a forward of points that I would be in debt to. I was never told this. My account has not been generating consumer spending reward points since. 

I have been lied to my an XXXX rep, on phone record, that a manager would call back within 24 hours to resolve the issue. Never received a call. I have been lied to on chat session about the date I would receive my rewards. My most recent chat session ( screenshots attached ) asked what the next step would be to prevent this from going to court. The supervisor never responded and ended the session. 

Note : Some of the screenshots are not loading. Can I send them to an email address?
They placed me in forbearance and stated on my credit that the loan was deferred. I have served XXXX XXXX in the military and should not even have student loans.
I have a a unverified account from CREDIT MANAGEMENT XXXX. I had previously disputed this account. I have never done business with CREDIT MANAGEMENT. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CREDIT MANAGEMENT Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CREDIT MANAGEMENT Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
I had leased a vehicle through Nissan, and prior to the lease end date contacted them for my options. I was given several including returning, obtaining separate financing to purchase, and to my surprise an extension where as long as I made payments monthly as agreed ; the lease would extend and payments would be applied to principle and interest amortizing to XXXX like a normal auto loan. ( The lease was fulfilled XX/XX/XXXX I contacted XXXX in the months leading up to this - XXXX a supervisor confirmed this discussion during our call this morning XXXX/XXXX/XXXX ) During our discussion this morning ( I originally talked to a rep prior to XXXX ) and she basically said the vehicle was due XX/XX/XXXX or I have to pay the amount in full, when I objected she made remarks that were implying that I was being deceitful such as " well sir we need to know where the vehicle is etc ''. I finally asked to speak to her boss and she was quick to correct me that I can speak to her supervisor. I was upset on the call but had just been given alarming information that took me by surprise and is not good news. 
I talked to XXXX ; who after some back and forth finally got to agreement with me on the way terms were explained ( all was correct with the exception that there was a 2 year closed end cap on the extension meaning I could follow what was explained XX/XX/XXXX but for a max of 2 years ). I explained that I understood and confirm all of the conversation from XX/XX/XXXX with the exception of the 2 year max ; the representative back then explained it that is was open ended and I could continue this until the principle balance was paid in full if I wish, this was in my view a great option and how I proceeded to operate with Nissan under the assumption I would ultimately pay the vehicle off through making my monthly payments. 
XXXX acknowledged that the information given about no max timeline was incorrect and apologized, he offered to extend to XX/XX/XXXX as consolation. This puts me into a significant hardship financially as the monthly payment is the one I am budgeted for. If I had known this arrangement had a max timeline I would have chosen a different alternative. In the short term I 've agreed to extend to XX/XX/XXXX to buy some time to figure out how I am going to handle this. 
I think it is extremely misleading and unfair that I am now forced to make a quick decision on how this is going to go moving forward, the original representative while maybe trying to be helpful clearly provided the wrong information and although while she may not have intended to be deceptive, was nothing short of it.
American express serve is tampering with a fraudulent investigation and refusing to include all fraudulent transactions once reported involing my account been hacked allowing multiple fraudent Transactions on my account from amazon noting I never had any buissness with a place or merchant called amazon.American express serve files a partial distpute than issue a patial credit than take funds from the merchants, than gives it back to the merchant and cancel the remaing of the dispute stateing I cancle the dispute one the XX/XX/XXXX attempting to interfered or tamper with a investigation ... I have all emails if needed
NationStar purchased my mortgage. The initial communication was via phone. I had to request the documentation regarding the transfer because I did not receive the letter from my previous mortgage holder or NationStar. NationStar continued to harass me for payments even though I said I would pay after I confrimed they were the new holders of the loan. I told them to no longer call me as I have received 15+ phone calls asking for money. The last time I spoke to them via phone I told them if they call me again regarding payment before I can review the documents, I would file d a complaint with the CFPB regarding the transfer and my request to no longer received phone calls. They have also sent text messages to my phone which is also a violation of the communication of this debt as other people can see my phone when these text messages pop up.