WillisBack/dataset-financial-user-claim huggingface dataset:
I have attempted numerous times to open an online account with TD Bank via their specific link to a special offer allowing me to earn {$300.00} when I set up direct deposit after opening a TD Premier Checking account. I continually get a message stating " your identity could not be verified in the public record ''. It is not asking me detailed information. It is only asking my name, SSN, DOB, DL info, address, and source of my income ( I am a 27 year veteran and former XXXX XXXX ). They state they have no other means to verify my identity and since this account must be opened online in order to take advantage of this promotion, there is nothing they can do because " the computers won't allow it ''. Now I am on a " junk '' email list from TD Bank which emails me reminders that I did not complete my online application. My last attempt to open an account and speak to CSR was on XX/XX/2018 from XXXX-XXXX EST. 
The company responded that I could still get the {$300.00} by opening up an account at a branch. The closest branch is nearly three hours one way ( XXXX, VA ) and I am a XXXX XXXX XXXX veteran who was born in the US, and been in the US military 27 years and worked for the Federal Government also. How can my identity not be verified?? It does not make sense and to tell me to go to a branch 3 hours away is not resolving the issue. Surely there is some method of verifying my identity - I have a valid passport, SSN, DL, and am willing to scan or mail any or all of these to have my identity verified. Please assist me in getting a reasonable resolution to simply open an online checking account - I have online accounts at XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, and others and never have been to any branch or office to open accounts at those companies.
I have been directed to the presidents office several times and was even told they would contact me regarding my loan, no one has contacted me from wells fargo dealer services
I disputed a account and the results was that it was deleted off my credit report, but it is still on my credit report. I want it to be removed soon as possible
I am writing this complaint in regards to the {$1900.00} balance from XXXX XXXX that is trying to be collected by XXXX XXXX XXXX XXXX XXXX.At the time this lease was broken I was involved in a domestic abuse situation with my now ex-husband which resulted in me having to get myself and my Then XXXX XXXX XXXX XXXX out of the apartment and out of the situation.I have contacted the company on multiple occasions getting the run around.First they told me they would contact XXXX XXXX and inquire about a settlement but they never called me back.I contacted them yet again and they told me that XXXX XXXX stated that they would not settle the balance, so I contacted XXXX XXXX myself and they have a new owner and stated that it was not that they would not settle they just did not have the information any longer being that there was a new owner and the amount had already been sent to collection so there was nothing that they could do.Only in my own research of the Illinois State law and getting the constant run around did I find that there is specifically protection for victims of domestic violence under tenants rights in what is known as the safe homes act in the state of IL.This collection balance should have never been sent to the collection agency in the first place under this IL law.This is causing great distress on my now XXXX XXXX XXXX XXXX and I as it is hindering us from being able to establish residency in a new state as well as greatly negativly affecting my credit score!
XX/XX/2017, total amount : {$200.00}. I booked a air ticket with XXXX air online with wrong date. I called XXXX back with in 3 hours to request to cancel my ticket. They rejected. Then I sought to get help from Bank of America Visa credit card help to dispute the charge. Per Department of transportation 24 hour rule : '' All U.S. and foreign air carriers regarding compliance with the customer service rule that requires carriers to hold a reservation at the quoted fare for 24 hours without payment or allow a reservation to be cancelled within 24 hours without penalty ( the 24-hour reservation requirement ). '' But BOA credit card company visa card customer care rejected me any request in this case.
I called Wells Fargo Card Services at the beginning of XXXX to have them STOP sending me statement stuffers with balance transfer checks. 

Once again, in the End-of-month XXXX billing statement, there was a balance transfer check. 

I had to call again. They said it could take up to two billing cycles.

This is the third. Then, they said it could take up to 60 BUSINESS days, which is a REALLY long time period. In the meantime, I'm subjected to potential fraud, if my statement is stolen.
On XX/XX/XXXX, I used my Citi Bank issued XXXX XXXX XXXX Mastercard to purchase two airline tickets from XXXX XXXX in the amount of {$420.00} per ticket. Upon receiving my XX/XX/XXXX statement, I noticed I had been incorrectly double-charged for both tickets since there were four charges for {$420.00} instead of two. I immediately notified Citi Bank of the unauthorized charges and they opened a dispute claim for each of the disputed charges. Citi Bank also issued a conditional credit for both double charges and I went ahead and paid for the two tickets that I purchased. In XXXX of XXXX, I received a written notification from Citi Bank letting me know that one of the double charges was being officially removed and I would no longer be responsible for that charge. During that same month, I received a separate written notification that the other double charge would not be removed and I would be responsible for paying {$420.00} to cover this unauthorized charge on my account. Following that correspondance, I sent a written explanation of the double charged and requested that this charge, like the previously removed charge, be removed from my account as well. Yet another conditional credit was applied to my account during the dispute investigation. Unfortunately, the charge was re-applied to my account in XXXX of XXXX and as of XX/XX/XXXX has not been removed despite multiple efforts at a resolution via written communication, phone calls, and online chats with Citibank representatives. Citibank is now requesting payment of the {$420.00} by XX/XX/XXXX or I will be responsible for interest charges as well as a late fee of up to {$35.00}. I purchased two tickets and it is unacceptable that I am being charged for three.
There is unknown Wells Fargo credit card account on my credit report that was opened on XX/XX/XXXX and updated on XX/XX/XXXX with a collection of {$700.00}
I have had this ongoing issue for over a year now they have a tracking device on the vehicle and they keep shooting the battery to disable the car when I 'm driving it when I leave the house I do n't know if I 'm gon na get home. They even did this to me one time when I was at a red light, also on XXXX/XXXX/XXXX they were attempting to do it while I was on the highway. I have asked to be put on monthly payments instead of every 2 weeks because I only get my sons social security check but they wo n't do it they know my situation yet they continue to call me XXXX to 4 times a day even after I attempt to make payments I was called today and a message was left your running out of time but I just paid 2 payments a week ago I 'm behind because they keep giving me extensions that they already know I ca n't do. This company is affiliated with XXXX which is my previous employer that I have a year long hair-raising workers comp case through which should be over soon and they know this they just want to further ruin my credit and my daughter who is my cosigner she also just went back to work from being out and have her own bills and ca n't pay mine. We are doing the best we can it is at the end and I do n't understand why they ca n't work with me. It 's bad enough I have other issues to deal with not having an income, health issues and XXXX and then I have to worry about them toying with the car calling me all day everyday and attempting to stall the car while I 'm driving they just do n't care they have no value for humanity If your office could assist in just trying to bring some justice to this situation I would greatly appreciate I know it all sounds dramatic and made up but trust with all that I 've been through I wish it was. They are going say we 'll we have been working with her yes to their advantage not mine the battery is so bad from them XXXX it everyday that acid builds up around it and we have to clean it or it wo n't start I have n't invested in a new one because they are just gon na ruin it anyway. This company is bridgecrest and my account number is XXXX and the vehicle is XXXX jeep liberty. They are also probably gon na deny XXXX the vehicle but I was told this when we purchased it and it is also in the contract that they could do this if payments are not received yet to the customer they say we are here to help but they did n't say they would harass or even try to kill by attempting to disable a vehicle while I 'm driving it and not allow you to pay monthly when they know your situation what does it look like to you? I have never had an experience with an auto loan like this I have 2 more months and my case should be ending hopefully I get enough money so that I can pay off the car and be done with them for good if they do n't try to take it first! Thank for your attention to this matter XXXX XXXX
Please know that I was not late on XXXX XXXX XXXX I wonder why Experian report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me
There are XXXX credit inquiries on our credit report dated the same date. XXXX of the inquiries came from short term loan cash provider. The XXXX came from some sort of credit bureau presumably used by the XXXX entity. I have spoken with the short term loan cash provider describing my circumstances. They indicated to me that they have no information on me on file which suggested to them that someone attempted to get a loan using our name and possibly our social security number but were rejected before the official application process. Both inquiries show up on our credit report but they were not related to activity generated by me or by my wife. So, we are nervous that at least one person may have some form of our identity but we are not sure which information or how much information they may have. The date of the inquiries was XXXX XXXX, 2016 and there has not been any further unknown activity since that date.
On XX/XX/XXXX I became aware, via a credit check inquiry, that my mortgage was over 180 days past due totaling {$4100.00} XX/XX/XXXX, I was informed by the previous lender, XXXX XXXX, that my mortgage was transferred to a new lender, Specialized Loan Servicing, in XX/XX/XXXX. However I never received notification from the previous or current lender that the mortgage was transferred. I still have not received a bill or statement from the current lender. 

I phoned the current lender and they didn't have my correct email, phone number or mailing address. They told me the previous company gave them my incorrect contact information. 

I owe over {$4000.00} in back payments and my credit score has taken a huge hit.
I have repeated told them I have had some medical issues arise, I have been put on XXXX, I am aware of the debt and to please stop calling multiple times daily as it doesnt help get them any money or help me get better where I can work and pay my debt. Very nasty individual called today speaking to me like a 2 year old. I may be sick but I am not a child
XXXX/XXXX/2016 XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX CIC credit on my XXXX report This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus XXXX, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : CIC CREDIT To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section XXXX ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I 'm sure you 'll agree that verifying your information is in your best interest. 

Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

Sincerely, Signature XXXX XXXX
During the month of XX/XX/2018, I submitted a request for a Goodwill Adjustment to my credit file and the following response is being submitted as my request was unreasonably denied based on the circumstances surrounding my request : Made several attempts to return phone calls to the company. On each occasion received voice mail message. Left messages for a return call. Never received the same. In any event, my request was for a simple deletion of 1 late payment of 30 days. My unforeseen circumstance was presented with documents verifying the same. The death of one 's spouse is a very devastating event and this was the sole reason for the missed payment as the account is now satisfied and paid in full. Not asking for the entire record of the account be deleted, just the one 30 days late reported. This action would not be unlawful in any event. I still think the company is being unreasonable based on the circumstances surrounding my request for said Goodwill adjustment.
I was reviewing a copy of my credit report and discovered it contained some errors. 
i am a victim of identity theft. i have no idea how the theft took place. i also have no knowledge of any suspects. i did not receive any money, goods, or services as a result of the identity theft. the information does not relate to any transaction that i have made
I received a response letter from US Bank dated XX/XX/2018. I responded to this letter with all information requested from US Bank and re-iterated my concerns ( see attached ). In this letter, I disputed all mentions of any negative payment status to include late payment information showing up on all 3 of the major credit reporting agencies. As requested by US Bank, I attached copies of the disputed information showing up on the 3 major credit bureau reports. The reason why I am disputing this is that I was advised by a US Bank Home Mtg representative to miss at least 3 payments as a condition to qualify for a short sale of my home. On numerous occasions, I have asked US Bank Home Mortgage to provide proof in the form of a recorded phone conversation with US Bank that I was indeed advised to miss at least 3 payments as a condition of the short sale. US Bank Home Mortgage has still been unable to provide any evidence to the contrary or in support of my concern. I submitted this letter on XX/XX/XXXX and it was received by US Bank on XX/XX/XXXX ( see tracking ). It is now 32 business days later and I have not received a response from US Bank regarding this concern.

Please note that I sent a separate unrelated concern to US Bank which was received by US Bank on XX/XX/XXXX, they sent an auto-generated response of insufficient information dated XX/XX/XXXX ( this response was almost identical to the one I received on XX/XX/XXXX ). I do not consider this a timely response to my concern received by US Bank on XX/XX/XXXX.

As US Bank did not respond to my concern within 30 days, I am requesting they remove all negative reporting / late payment reporting to all 3 credit reporting bureaus.
I applied for a capital one card with a promotional code that was send to me and was approved for XXXX cards. One was for XXXX and the other XXXX When filing out the application I put in my personal information and received an alert that I had XXXX inquires on my credit report. I created a user name and password and was giving immediate access to my card and was able to use them. Capital one is decided that the promotional codes were sent out in error and it was a glitch. The company has since restricted access to my cards, I 've called the fraud team and they are giving no information. I want to know what I need to do as a consumer so that this does not affect my personal credit. I would have never applied for this card had I not received the email and I feel it was bait and switch. Another concern that I have is how will this be reported to the credit bureaus? How will my utilization be affected as thisis 30 % of my score. I do not feel it is fair for them to approve a card, mail it, then restrict it with an explanation to what happens next.
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. They are Unverified Accounts, I demand the following accounts be verified or removed immediately. XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX Moreover, I have never paid late these accounts, please investigate : XXXX XXXX XXXX # XXXX XXXX # XXXX
JD BYRIDER { CNAC }, XXXX, Iowa has been taking car payments, electronically out of my checking account for the last month and a half without my permission or consent for a vehicle loan that is in no way associated with me or my name.I am XXXX years old and am trying to survive on a fixed income and now have a negative checking account balance.
I received a letter from Aargon collection agency on XX/XX/2015 saying I owe a debt that I have no knowledge of. The date on the letter is dated XX/XX/2015. I responded to the letter asking for verification and for them to respond only through mail not by phone and l also gave them my new address. I have moved from the address that they have on there letter. Aargon collection agency is know for ignoring letters and putting debt on your credit report without verifying. The address on there letter is for collecting money not for disputes. That 's their way to say I did n't dispute this debt. I sent a letter to the address anyway. I also have a copy of the tracking and date it was sent well before the 30 days. Need help with my letter of dispute getting to the right address so this does n't end up on my credit report.
I did a ftc report fir identity theft and sent multiple dispute with debt proof its me all my credit on file is fraud i never git a chance to build credit no one is helping take i toff transunion XXXX  and XXXX
I got a new cell phone number last year ( XXXX XXXX ) and this " XXXX XXXX '' company has been calling me every morning after XXXX am since XXXX of this year. And everytime I pick up no one answers, and everytime I call back to tell them to stop calling, they give me this " our representatives are busy, please hold '' spiel. I do n't owe them anything, so I 'm pretty sure my number was used by someone before me.
I am currently dealing with a dispute with discover. I filed a dispute with them on XX/XX/XXXX and froze my card. I was advised that my credit card would not be charged again by the gym, but it was charged again
On  XX/XX/16    I logged into my   XXXX   XXXX   XXXX   XXXX   account and made an additional payment of {$710.00} to my mortgage account which is due on on the first of the month. As stated, this was an additional payment being made as I already made my monthly payment. However, while making this additional payment I did not realize that I permanently turned off my automatic payment request that was being made on the  XXXX  of each month. As a result my mortgage account went delinquent in  XXXX  and  XXXX . However, I had no idea I was not making my monthly payment for  XXXX  or  XXXX . Since I subscribe to   XXXX   XXXX   and   XXXX   XXXX   I noticed at the beginning of  XXXX   XXXX   XXXX  started reporting to the credit bureaus that my payment was delinquent. I immediately called  XXXX   XXXX  to determine what had happened and found out the automatic payment was turned off. I had no idea that making an extra payment would result in turning off the automatic payment. I immediately paid my mortgage for the 2 months past due, and late fees. However,  XXXX   XXXX  will not reverse their decision to report this honest mistake to the credit bureaus and it is negatively effecting my  credit score  on all 3 reports. I attempted on  XXXX   XXXX  to submit my complaint to  XXXX   XXXX  and it went denied. I believe  XXXX   XXXX  is acting irrationally in reporting the late payment to the credit bureaus. I have NEVER been late on a payment to any of my creditors and I have been a  XXXX   XXXX  customer for over 10 years.
Ally pulled credit reportXX/XX/18 through Equifax and told the dealership there was a fraud alert on the credit report and could not proceed. I verified with Equifax there was no fraud alert.
In 2011 my doctot 's office submitted a claim to XXXX XXXX for {$220.00}. This bill was an office error in coding to my insurance company and was resolved and paid in full by XXXX. I visited the doctors office accounting today and they show no balance due. I contacted XXXX XXXX be phone today and they show no balance owed. They said to contact Equifax and have it removed, as it was removed or recalled by my doctor 's office. I do not owe, nor have I ever owed this bill since 2011.
On XX/XX/XXXX I submitted a case to Coinbase.com. The case ID is XXXX. 

My issue is I previously had an account with Coinbase shortly after they started doing business over 4 years ago. I have since lost access to the phone and email attached to my old account. This is not a new issue for Coinbase, as they have steps to restore access to your previous account on their website. 

I followed the help article for restoring access step by step. I created a new account, uploaded identity verification documents, and submitted a case for resolution. Since XX/XX/XXXX I have received one correspondence from Coinbase, which was a support rep giving me the link to the help article I already followed. That was on XX/XX/XXXX. I have updated information on the case multiple times since then in an attempt to gain their attention but they still have not restored access to my previous account nor merged the two. 

I understand with an influx of new users there may be a delay in handling support tickets, but two months is excessive and shows they have no sense of urgency.
We received a mailed collection letter from Transworld Systems Inc in the amount of {$13.00} plus {$1.00} collection fees on behalf of XXXX XXXX XXXX. This is not our debt, for XXXX reasons : 1 ) we have not done business with XXXX and 2 ) the letter is addressed to " XXXX XXXX XXXX '', which is XXXX for " select or enter. '' A quick search on XXXX shows that this is a common ploy for Transworld Systems, formerly operating under XXXX XXXX XXXX.
I disputed a collection on my Equifax on XXXX XXXX and was given a case number XXXX and then checked my credit score on XXXX XXXX th and my credit score dropped XXXX points yet nothing on my credit report changed actually my XXXX went up XXXX point I would like to find out what happened if you could help with this I would be grateful