WillisBack/dataset-financial-user-claim huggingface dataset:
I own a XXXX vehicle eligible for the XXXX fuel economy rebate program managed through a company I believe is called Blackhawk. I had a card that expired with a balance of {$230.00}. The paperwork with the card when it was received stated the card could be issued within 5 years of expiration by calling the phone # XXXX. 
In XXXX 2016 I contacted this number, spoke with " XXXX '' who told me my card would be issued within 30 days. 
On XXXX/XXXX/2016 I called because I had not received the card and was told I needed to " wait longer '' as it could take up to 8 weeks. 
On XXXX/XXXX/2016 I called again because I still had not received the card and was told the card had been issued on XXXX and I should have received it. I was advised the card would be reissued. My address was confirmed multiple times with each call. 
On XXXX/XXXX/2016 I called again because I still have not received the card and was told the issue had been " escalated '' on XXXX. I asked if the card was reissued as I was told on XXXX/XXXX/2016 and was told " Yes '' but apparently had not yet been mailed. I asked when it would be mailed and the agent stated he did not know and I would need to " wait longer ''. 
It has now been 4 months or more since I initially called, Blackhawk was reluctant to give me their company name, and is repeatedly unable to confirm any details about when this card will be received or what is causing a 4 month delay. 
I would like the CFPB to assist in the reissue of this pre-paid card in the amount of {$230.00}. 
Thank you for your help, XXXX
I have a Capital One credit card that I can not seem to get a replacement card for. It has been over two years and in both years, I have paid an annual fee for a card that I don't have in my possession. I have on two separate occasions requested a replacement card to be mailed to my mailing address. Both times I have been asked to fax/email a copy of my drivers license and other documentation to support my mailing address. I have both times send over the requested documents and still have not been issued a replacement card. I have paid annual fees in the past two years and no card. 
I do not want to close the account since it will affect my credit, but I want my replacement card.
I am financing a vehicle through Exeter Finance Corp., the loan started XXXX @ XXXX a month for 6 years i financed XXXX for a XX/XX/XXXX XXXX XXXX, i noticed the balance was not going down after XXXX XXXX yrs of payments so when i started to inquire on why that is, in a course of approx 2 months i was told because i pay late they are charging a daily interest rate which is why the principal is not being applied, there is a late fee of 5 % interest on the contract and that is all.
INACCURATE INFORMATION SHOWING UP ON MY CREDIT REPORT FTC VIOLATIONS AND FAIR CREDIT VIOLATIONS
I took Loan out on XXXX XXXX with Condor capital to purchase a XXXX XXXX. 
It was my understanding that it was a 48-month loan, and my original Payment was {$490.00}. 
The original car was approximately {$22000.00}. I had consistently paid the {$490.00} which was approximately $ XXXX year. Earlier Last year I had a hard ship where I had missed payments, I then made payment arrangements that caused me to pay a lump sum of {$4100.00} which was supposed to be all my back payments with interest and penalties. I then went back to making monthly payments. Then I got a letter, followed by a call that the account had been transferred to XXXX XXXX, and was then said to be in arrears again. In which case I sent via XXXX XXXX {$1200.00}, thinking maybe the original issue was not totally rectified. Again went back to making monthly payments. In XXXX of this year again the company started to say I was in the arrears. However, this time I asked for a statement of account and my original contract which I have yet to receive but they came and repossessed my car XXXX/XXXX/XXXX. 
Before I pay any further I want to know that this is in fact my obligation, and I do not want it to adversely impact my credit. I also now do not have my vehicle and was told that each day they have my car I am going to incur a garage fee. 
I researched the company and see that the original company has a financial Injunction for unfair credit processes in New York. I also, believe that is why they stated they sold the contract to the second company which is now in California, but the name suggest they are clearly affiliated.
I have called experian twice regarding my credit report and unauthorized hard inquiries as well as addresses listed on my account.   Those items were  XXXX   XXXX   XXXX   XXXX  mo  XXXX   XXXX    XXXX     XXXX    XXXX   XXXX   XXXX  mo  XXXX   XXXX  hard Inquires   XXXX   XXXX     XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX  &  XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX / XXXX / XXXX  ...  XX/XX/XXXX  XX/XX/XXXX    XXXX   XXXX   inquiry.  XX/XX/XXXX As well as an account linked that i would like removed This is not my account and preventing me from establishing a home Credit acceptance-  XXXX  This was placed on my credit report by experian with out recieveing contract to verify. Please delete
I 've been trying to get this this bankruptcy removed from my record from Equifax and XXXX with the law that went into effect in XXXX 2017. According to the requirements to remain on my record it must have 3 of 4 things. 1. Date of birth 2. Correct address 3. Full social security number 4. Correct name. The name just says XXXX XXXX, theirs alot of them I 'm XXXX XXXX XXXX XXXX, Does n't have a full social security number, the address is not where I live. And the listing has no return address which has to be provided.
6-8 months ago, my mortgage company, US Home Bank Mortgage, marked my house vacant for an unknown reason. Even their own associates could not understand why it was marked vacant or how it was marked vacant. Since then I have been unable to get them to remove it. They even sent a company to change the locks on my house!!!!!! I was in bed at XXXX when I heard a knock on my door from a man who had gone into my backyard already and seen that there were still items there. This is causing so much more trouble because if I try to make a partial payment on my mortgage they will not accept it. An example of why I would make a partial payment is as follows : I am currently going to school full time and my XXXX is helping me financially while I attend school. A part of that financial help is that XXXX a semester they send me a housing check to help me pay for my current housing. The check is made out to myself and the mortgage company. I am supposed to sign the check and then send it to them. Because my house has been marked vacant, they are telling me that they will most likely reject the payment. And I can not make a partial payment for the extra amount owed after the check is processed. I either have to pay all or nothing. This is how it is constantly. I once fell behind on my mortgage and was trying to get caught up as I could. I would try to pay a few extra XXXX here and there as I could but they refused to take my payment, stating again that it had to be all or nothing. Also I was n't allowed to make payments online it had to be over the phone, even after I was caught up, and then they would charge XXXX dollars every time to process my payment. This is completely absurd and made it almost impossible for me to get caught up. I 'm still trying to get caught up on all the late payments they have charged me. Also because they marked my house vacant my insurance company has tried to drop there coverage numerous times. These people are vultures and their customer service are completely incapable of helping.
On XX/XX/XXXX I have received an email from Chase Bank that someone called and let them know that someone posed as me online to let them know that that large purchase would be made to my credit card. I did not make the call and at the end, it says to call me to report if I did not request this spending notification. The email was sent to me around XXXX XXXX and XXXX XXXX and I checked my email around XXXX XXXX at work and I promptly made a call to Chase to find out what was going on to XXXX as per instruction on the email. Someone was making an online purchase at XXXX XXXX online store and trying to charge like over {$2000.00} which was not aware of. I reported the fraud and they promised me that they will protect me and resolve this issue. Next few days, I received a notification regarding this fraudulent charges and the charge was reversed. Today, XX/XX/XXXX, I received a phone call from XXXX at chase bank that she investigated the charges and she can not reverse the charges and she will have to put it back in my account. I asked her to provide me an evidence. but she refused to do so. She kept on saying based on the merchant 's evidence they provided and she can not reverse it because of the evidence but she can not disclose the evidence that is for sure that it was me. When I told her that I want to appeal to this, she said I can not appeal to it. She did not give me a chance to appeal at all. She simply put me on hold for 5 minutes and told me this will go back to my account in next billing cycle. I was upset and I was angry. She did not even give me an option to do anything and trying to punish me for what I did not do. she did not let me speak to a supervisor at all at the time of phone call and she refused to escalate the case after I threatened her multiple times. After numerous argument and yelling and threatening her, she finally told me that she would escalate the case but she still did not provide me with proper information and evidence how she got to her conclusion that the charge is mine which is NOT mine. She told me that she will send me an email but she never. She accused me as a thief, accused me to lying, accused me of deceiving Chase and she caused huge XXXX XXXX to XXXX and a XXXX  XXXX XXXX women by wrongfully accusing me based on wrongful conclusion she made without proper channel confirm it. I want to report this inhumanly treatment she has given me on this wrongful accusation.
XX/XX/2015, Midland Credit Management was told that I was represented by counsel and that they had failed to respond to a request to produce documents including account statements, account numbers, payment history, proof that account was mine. At that time they ceased all communication. However, for the past two months, thy have violated my rights by once again started calling our number, XXXX and leaving automated messages or hanging up and calling again numerous times. On XX/XX/2015, they mailed me a letter, in violation of consumer protection laws, referencing an account number, account XXXX, knowing that I had counsel. They still failed to provide any documentation or proof that this account belonged to me. I have retained copies of their correspondence. midland was sued by you for exactly this type of violation. They are now trying this same tactic with me, in violation of my rights. I ask that they stop this collection activity immediately or I will file a complaint against them and any counsel contacting me against my rights, with the attorney generals office and take legal action as appropriate for this violation. Thank you.
I have tried filing a dispute regarding info on my credit report just last month. I show that in my report I asked all three credit reporting agencies. I have a first financial account not reporting correctly at all- XXXX XXXX shows past due late payments when it reflects a balance of XXXX. I can not make any payments in an account without a balance. This account needs to be updated removed because there obviously isnt a debt I owe to this company. I feel all three agencies needs to report the same info and/or be corrected. I have an account consumer collection management that was recently removed from transunion report however my equivalent is incorrectly reporting the account as if it is mine. Please correct my credit report this is affecting me trying to acquire a home for me and my child due to incorrect info on my credit report.
I am a student at XXXX. ( XXXX ) and although I am XXXX XXXX, the school has not provided accommodations. As a result, my condition worsened. I discussed my options with the school and called " FedLoan Servicing '' about my grace period where I was told that if I drop below half time enrollment the 6 month grace period starts and then resets the moment I return to half time enrollment. 

So I dropped a class XX/XX/XXXX taking me just below half time and returned to full time status in the XXXX. I attended every class, and did all homework. Unfortunately, I still was n't quite well yet, and started having XXXX which I saw a medical professional about XX/XX/XXXX. I was told that if I dropped at that time there would be a full refund and that I would be eligible for student loans in the summer. Based on this, and what I was told about grace periods, I felt safe dropping the semester XX/XX/XXXX intending to continue again in the XXXX. 

FedLoan Servicing instead sent me a letter telling me that my grace period ends XX/XX/XXXX, which would be the case if the grace period never reset in XX/XX/XXXX, but the grace period should end XX/XX/XXXX. This is a big deal, because the XXXX semester starts XX/XX/XXXX, and instead of resting as I am supposed to be, I 'm XXXX over what should be a simple issue. 

On XX/XX/XXXX I sent FedLoan servicing documents from my school showing the date that I fell below half time was last XX/XX/XXXX and I quoted back to them their policy : " If you go back to a Department of Education approved school at least half-time before your Grace Period ends, you will get another six-month Grace Period the next time you leave school. '' I explained that either my grace period should end later, or they lied to me when presenting this policy. They told me the matter would be reviewed and I would get a letter 7 to 10 days later. I waited 16 days, sent another email asking why I have n't heard back from them, then today - XX/XX/XXXX - they said that on XX/XX/XXXX they checked my current status which said I am not currently enrolled. In other words, they did n't even try to investigate the actual matter. They tell me that the school has to update my status as active for them to do anything, which is simply not true. I am not currently enrolled in classes and that should n't matter. 

All I expect them to do is follow the rules they provided me in advance of making decisions about my loans. Either the grace period is set to end XX/XX/XXXX, or they committed fraud by withholding important information from me. Either way, I will be taking classes again starting XX/XX/XXXX and I want grace period issues to be corrected. 

The only reason why I have not already registered for summer classes is because I am still paying the school back for the XX/XX/XXXX semester, and I have to have it all paid back before I can enroll in classes again. It 's especially strange to owe the school money for the loans that FedLoan Servicing denies exists. I told them they should have a record of this, since the school paid them back for the returned student loans, but they act like they do n't.
I applied for an FHA Streamline refi loan with Freedom Mortgage corporation, but I felt I was being given the runaround while waiting for approval from their Underwriters ( was asked to provide the same documentation repeatedly, etc. ). I decided to apply with another lender and withdraw my application from Freedom mortgage, but now they are sitting on my FHA case # and not releasing it to my current lender, which is holding up my loan!
I disputed derogatory accounts with all three credit bureaus on XX/XX/2018 XXXX  deleted and corrected the situation with the derogatory collection accounts, ( Accounts : XXXX # XXXX, XXXX # XXXX ) with Experian and XXXX  the two derogatory collection accounts have not been deleted, Experian or XXXX investigation method does not equally reflect XXXX  investigations or results.
Hello, I have a private loan with XXXX XXXX XXXX. I defaulted on my loan and I was n't able to pay because of unemployment. They sent my debt to collections were I was making {$40.00} a month payments. Then they sent it to another collections agency and now it is with XXXX XXXX XXXX. They sent me a letter in mail saying pay in full. But I 'm still not working and have XXXX money in bank they only thing I can afford is {$15.00} a month until I 'm employed and I 'm more than willing to make higher payments. My father co sign but I 'm responsible for the loan he is n't working either and have medical bills because he had XXXX and had to have surgery last year. He had a total of XXXX surgeries in XXXX months the most recent in XXXX 2015. When he cosign he had no idea I would n't be working and could n't pay. Every month XXXX XXXX XXXX keep sending loan to different law offices. So I 'm responsible and just need to make monthly payment plans or a rehabilitation program that I was n't offered by original loan.
Around XX/XX/XXXX, I had called Citi to find out ways to settle my HELOC account. The account was past due for quite some time. The mortgage unit had told me a specific person would help me with my situation. XXXX of CitiMortgage had suggested a file a hardship application so they could assess my settlement offer/situation. I was denied around XX/XX/XXXX. I noticed they pulled my credit in XX/XX/XXXX, I consented to this request. No issue here. 

Very recently I noticed they pulled my credit twice in XX/XX/XXXX. That 's almost a year later after my hardship request had been denied. I never agreed to these hard pulls without my consent. I started paying Citi back and recently I paid the loan off. Throughout the whole time I was paying the account, I kept getting letters that someone in the hardship team was going to review my account. Once I was denied, I never filed another hardship request. The Citi team was a bit disorganized. I understand things fall through the cracks, but this was a bit annoying. Literally XXXX letters of the same information. What a waste of paper! I would like this account and credit pulls to be removed from my credit report. I never consented to these pulls! 

Appreciate the help! 

Thank you
This complaint has to do with an automobile lease but the issue impacted my credit score so I'm filing it under credit score. I hope that's ok. On XX/XX/2018, XXXX XXXX sent information that lowered my credit limit with them. They used to show the credit limit as the full value of the car but then decided to reflect the balance of the lease amount instead. So it effectively lowered my credit limit by {$15000.00} overnight, dropping my score by 23 points. When I called XXXX XXXX XXXX, they were unapologetic, essentially didn't care and will continue to drop the credit limit despite on time payments since the lease was signed. So, effectively, my credit score is dropping every time I make a lease payment on time and in the correct amount. What can I do?
Attached to this complaint is all the evidence and records proving that TransUnion is willfully negligently and recklessly reporting inaccurate data on my credit file and not conducting reasonable investigations causing me financial injury. They keep willfully reporting even after I provided them proof.

An investigation needs to be done regarding TransUnions abusive and reckless method of verification process.

I am in the process of building a legal case for intentional, reckless, malicious and willful violations of the FCRA as well as defamation from TransUnion, A copy of this dispute will be used as evidence if needed.

The following information is being reported inaccurately, falsely and unfairly by TransUnion. 

XXXX XXXX XXXX # XXXX TransUnion is causing me financial injury and negligent enablement of identity fraud. 

I am fearful to apply for new credit because of the anxiousness of thinking I will be denied resulting from TransUnion 's inaccurate reporting. 

METHOD OF VERIFICATION I would like TransUnion to provide me the name of the original creditor, the address and phone number of the original creditor, the person at TransUnion who verified the dispute with XXXX XXXX XXXX at the time of the dispute request and the documentation that was used to verify the dispute at the time of the dispute request. If TransUnion can not send me these simple items, then I demand the account be deleted. 

I do not consent to XXXX as a means of reasonable investigation for my credit disputes. I need proven documentation, i.e. signed contracts, and/or dated signed cashed checks to show accuracy of the verification of my particular dispute. 
TransUnion must prove they conducted a reasonable investigation for them verifying it at the time of the dispute request. XXXX can not hold in court as per the noted court cases. 

XXXX v TransUnion XXXX v XXXX XXXX v XXXX ( XXXX ) The XXXX data breach has shown me that I need to stay on top of the credit bureaus compliance to all Federal Laws regarding my credit file. This XXXX model of verification must stop because of the many fraudulent accounts it may create for consumer credit reports! 

At this time, TransUnion does not need to falsely verify this account again. The only acceptable thing they need to do now is to delete it immediately! 

I demand to see TransUnion 's method of verification and the documents they relied upon to verify this account at the time of my dispute regarding this particular account as per the FCRA.
I have a credit reporting account with a company called XXXX that is now called Experian and some how I am not able to cancel the account with them anymore. The only way to cancel is through a call in number that no one attends even after stay on call for more than 15/20 mins. This is a scam and does not seem like the agency has any intent of canceling the accounts once enrolled.And they charge my bank account every month without any issues.
Portfolio Recovery is repeatedly calling my phone, sometimes 20x a day, and they are spoofing their phone number to come up as random businesses like XXXX XXXX from Illinois, even though they are actively trying to collect debts. They're doing this with the express intent to defraud consumers who should have the right to know the name of the actual business calling.
I had a direct deposit issue and I received help via the CFPB. American Express responded and clearly indicated that they were sending my funds back to the original funding source. My direct deposit was for XXXX which went into the incorrect account due to an error with direct deposit number entry. American Express has only refunded me {$530.00}. Where is the additional monies that they said they were sending back?
There has been an unauthorized transaction of XXXX to XXXX in venmo account. I reached out to venmo support team and did not do anything to handle the issue.I have did some personals investigation of the user on the other end and many people have reported this user. I have reached out to many users that had problem with this other user they too have reported Venmo about this. Venmo instead froze my account and is threatening to send me to collections If i do not pay the XXXX to the other User
I am a victim of identity theft. I have sent all the information requested in order to have fraudulent accounts removed. I have provided police reports, Identity Theft Report, and documentation that several accounts and address on my report are fraud. I have followed all protocol provided by the FTC to handle Identity Theft. I still have accounts on my report that not been blocked or removed according to section  605B of the Fa ir Credit Reporting Act.
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Experian and XXXX and XXXX XXXX XXXX with no successful resolution. Experian and XXXX  are reporting me late. There was definitely an error on their part. I was never 30 days late.