WillisBack/dataset-financial-user-claim huggingface dataset:
on or about XX/XX/XXXX I requested a copy of a cancelled check I wrote on my home equity line I was given the check # XXXX the amount XXXX .I was told it would be sent out & I would have it in 7 to 10 days .on XX/XX/XXXX I called again & spoke to supervisor XXXX .I told him that I never received the image I requested he said we sent it I asked him to please e mail it he said no I ask him to fax it to the bb & t XXXX branch he refused to do that he said it would be sent out & I would have it Friday & he would call me on Friday to make sure I got it .I have n't received to date or a call from him I went to the XXXX branch the following week & spoke to XXXX the manager she could n't find the image she called XXXX XXXX XXXX & XXXX both called me the next week to tell me the image did n't exist .the following Sat. my girl friend received a packet in her mail addressed to XXXX XXXX & XXXX XXXX in XXXX va. Not XXXX va. the address I gave them over & over. in it were 3 years of statements for XXXX & XXXX XXXX in NJ.i call XXXX & she denied sending it to me. I told her I am a letter head with my on it & she signed it .still denied sending. they also took {$330.00}. out of XXXX account for there statements .they cant tell me where my paperwork is or why I have n't received it. please help us .XXXX needs to be reimbursed. please call me XXXX
I have  a Fraud Victim Alert s ince  XXXX   XXXX , when I was a victim of a crime and it extends for 7 years . Alert  includes my phone number so that anyone using my identity to apply for credit, the vendor has to contact me to insure that it is me applying for credit. I was able to obtain a HELOC and credit cards in late  XXXX  with no problem, with said alert in place. In  XXXX , I applied for   XXXX   XXXX   XXXX   XXXX  ; I was subsequently denied because Experian said they had No phone # for me. Upon request of my repor t (  dated  XXXX / XXXX / XXXX  ), I saw incorrect personal info on my report and requested same be corrected. They also claimed they gave the correct # to  XXXX   XXXX . Today I receive  2nd report  dated  XXXX / XXXX / XXXX .  Information ( w hich included an INCORRECT residential phone # that was not ever mine ) was deleted. However, a new residential phone  # ( again  -not ever mine ) now appears, not 7 days after giving them the correct information. It is impossible to contact anyone by phone, nowhere on either credit report is anything that says customer ID # which they require to submit further disputes online. They need a designated contact Phone number answered by a live person for consumers in the midst of a dispute. Instead th e 1st 3 pages of each r eport are trying to sell me consumer fraud protect ion (   XXXX  for {$8.00} a month. Experian is not protecting my credit but rather exposing me to additional risk. How do they get a new residential phone number for me, when I just spoke to them a week ago, confirming the o nly 2 numbers I have, ( one for over 30 years )? I still have not gotten an explanation as to what happened with    XXXX   XXXX . Representative said they would contact  XXXX    XXXX   to see what happened as my phone number is on their fraud alert ; However, I myself contacted  XXXX   XXXX   XXXX   and security showed me that my phone number was not included when they did the credit check. Experian is not protecting the hard-working taxpaying consumer, but rather the thieves. Are they going to tell me where they got this new fraudulent phone number? They continue to operate under the protection of the government, yet the consumers are not protected
Attempts of having false credit inquiries removed from credit report. No actions were taking on the " lender '' side.
XXXX XXXX / XXXX XXXX reported that I am 30 days late to credit reporting bureaus even though I had made arrangements to pay late with a promise they would not penalize me. I paid as promised and they reported me 30 days late anyway. Their agreement with me was extremely misleading and this was the first time I was in this type of situation with my payment and I have been a good customer. Please have them remove the late payment on my credit reports.
Our mortgage changed hands XX/XX/2016. The new mortgage holder is sun trust mortgage in XXXX XXXX We have been paying our mortgage for years using automatic bill pay from our bank, XXXX XXXX . To pay the new payee for the first payment on XXXX XXXX, I changed the bill payee to Suntrust mortgage and updated the mailing address for the payment. Unfortunatly- I did not update the account number and left the account for our old mortgage in the memo section of the check. The money was debited from our account. Suntrust claims never to have received the payment. They are calling us delinquent on our mortgage. When we caught the error we updated the account number, and have paid every month since ( XX/XX/XXXX-XX/XX/XXXX ). We have not missed payment. We have had countless phone calls with Sun Trust and claim numbers as well as escalated claim numbers related to this issue. The company continues to telephone us demanding the 'delinquent ' payment. It is now bordering on harassment. We have spent time on the phone with XXXX XXXX, and in the local XXXX XXXX branch. We have faxed the paperwork which was asked for by Suntrust on multiple occasions. XXXX XXXX has sent the paperwork directly to Suntrust as well. Each time we speak to Suntrust, they tell us they will have an answer in 36 hours and to call back. When we call back they claim to know nothing about any paperwork which we have faxed.
I went with my XXXX year old mother to purchase a new car at XXXX XXXX of XXXX located at XXXX XXXX XXXX XXXX XXXX, Michigan. 
Prior to going there my mother and I had been to a different nearby XXXX Dealership for purchase of the identical vehicle she was sold fraudulently by XXXX. My mother is physicaly XXXX after a very serious automobile collission. At the time we went to the first dealership we discussed the vehicle she wanted, the accessories she needed, but my mother was not physically up to purchasing a new vehicle then. That salesman set her two handwritten letters saying she could lease the same vehicle she ultimately purchased for no money owed at the time of purchase, and lease payments of approximately {$150.00} per month, consistent with newspaper advertisements from all XXXX XXXX dealership. She was ready to purchase, called this salesman to discuss figures and he required she come into the dealership to discuss figures which she was unable to do this.She built the car on the XXXX build a XXXX website and received a call from a salesman at XXXX who said he would have her in and out of dealership in less than 30 minutes. Salesman asked me for my Discover Card. I said why, he said please sign receipt everybody pays {$1100.00} at closing. Salesman fraudulently for {$3600.00} which I did not know until I got my bill. Then two people came over and had us sign blank screen. In violation of Michigan Law we left the dealership without any purchase documents. Almost a month later we received the purchase agreement which was fraudulent as the dealership filled in figures after we signed blank documents and we never agreed on. It was fraud. Discover has a policy where they guarantee a best price guaranty that Discover violated. Discover will not dispute fraudulent {$3600.00} although it was clearly fraudulent as even dealer agrees they are in violation of Michigan and Federal Law
Costco went from XXXX XXXX to Citi Card. {$3000.00} has not been credited to my account. 
I have spoken to XXXX people @ Citi Card and no one can help me. XXXX XXXX will not take my calls. 
Costco is not taking responsibility. I have all my AM XXXX statements and ALL payment information. I need some help
I used Carvanas auto loan calculator which said I would receive a rate of 10 % for a car loan. Once I went through the process and submitted documents the rate went up to 18.69 %. Nearly double that of the advertised rate I was given. I purchased a vehicle through them previously and had to refinance because they had done the same thing then. I offered to put nearly 25 % of the price of the vehicle as down payment and they only wanted to lower the rate to 17 %! This is shameful and needs to stop.
I applied for a job with Bank of America in XX/XX/XXXX and was asked to complete a background check prior to the company making an offer. I agreed to the background check and was notified after approximately 3 days that Bank of America would not be moving forward with me as a candidate due to the results of the initial background check. I contacted the companies listed in the disclosure provided by Bank of America and both companies indicated that they had not received a request for a background check for me from B of A. I have contacted the recruiter and the corporate security department on four separate occasions by email ( 3 times ) and by phone requesting either : 1. a copy of the background check results or 2. The name of the organization to contact regarding the background check results. It has been approximately 4 weeks since I agreed to the background check and I have been unable to obtain a response from B of A. I would like to have a copy of the report on which they based their decision so that I can dispute any erroneous information if appropriate.
A late fee of {$39.00} was assessed to my XX/XX/XXXX mortgage statement for account XXXX on XX/XX/XXXX. My mortgage was not late on this day. 

Seterus received 3 mortgage payments from me via Priority express mail where I mailed 3 separate checks to cover 3 separate mortgages of different addresses in XX/XX/XXXX. 

Seterus chose to credit the payments for the other 2 mortgages on XX/XX/XXXX, but held off on crediting account XXXX until XX/XX/XXXX. 

I have a 16 day grace period under account XXXX before a late fee is assessed. However, a late fee was assessed to this account on XX/XX/XXXX, when Seterus had in fact received the payment well before this date. 

Even if Seterus had received the payment for account XXXX on XX/XX/XXXX, they should NOT have assessed a late fee to this account. 

Seterus will not remove the fee from my account, and thus, I am asking your office to intervene on my behalf. 

My mortgage statement for XX/XX/XXXXshows a late fee assessed to account XXXX on XX/XX/XXXX. 

Also, can you ask Seterus to STOP sending me out double mortgage payment statements for account XXXX, as this seems like intimidation to make me pay 2 months of mortgages ahead of time. I have the right to pay my mortgage on the dates due and should be assessed a late fee if the payment is late, but Seterus does NOT have the right to force me to pay mortgage payments ahead of time, nor should they assess late fees to me on dates when fees should not be assessed. 

Thank you in advance for your assistance.
I wrote to XXXX  ; XXXX  and TransUnion Credit Reporting Agencies on XX/XX/2018 to challenge the reporting and compliance of a closed account reported reporting under account number XXXX with a balance of {$3200.00}. This information is misleading and is reporting serious factual errors. My identification has been comprised and I am following the instructions of the FTC by thoroughly reviewing my credit and this is when I came across factual errors regarding the account status and account information. The company XXXX XXXX is reporting a partial account number, and this partial identification has hindered the completion of this process. This closed account that is reporting incorrect information it one of ( 2 ) accounts with the same account number being reported by XXXX XXXX and it is causing confusion and havoc to my credit and needs to be removed.
I submitted a CFPB compliant # XXXX  against National Credit systems onXX/XX/XXXX. and here was there response to the complaint : Company 's response This is National Credit Systems , Inc. ( NCS ) response to the complaint filed with your office by XXXX XXXX I would like to point out that National Credit Systems , Inc. is only a third-party debt collection agency that is collecting a debt on behalf of XXXX XXXX XXXX. XXXX XXXX is disputing this debt because of the charges assessed to her by the XXXX XXXX XXXX.. These charges were not assessed by NCS. Naturally, she would not have a contract with NCS since her agreement was with XXXX XXXX. XXXX XXXX   has disputed his debt and NCS ; and, as required by law, has submitted her dispute to the CRA 's. We have conducted an investigation of XXXX XXXX XXXX dispute. The outcome of our investigation has been mailed her. We would now ask the XXXX XXXX identify the specific item of information that is in dispute ; explain the basis for the dispute ; include all supporting documentation required to substantiate the basis for the dispute. I hope that the above response will provide your office with the information you are seeking. Please contact me with any additional questions This is National Credit Systems , Inc. ( NCS ) response to the complaint filed with your office by XXXX XXXX I would like to point out that National Credit Systems , Inc. is only a third-party debt collection agency that is collecting a debt on behalf of XXXX XXXX XXXX. XXXX XXXX is disputing this debt because of the charges assessed to her by the XXXX XXXX XXXX.. These charges were not assessed by NCS. Naturally, she would not have a contract with NCS since her agreement was with XXXX XXXX. XXXX XXXX has disputed his debt and NCS ; and, as required by law, has submitted her dispute to the CRA 's. We have conducted an investigation of XXXX XXXX XXXX dispute. The outcome of our investigation has been mailed her. We would now ask the XXXX XXXX  identify the specific item of information that is in dispute ; explain the basis for the dispute ; include all supporting documentation required to substantiate the basis for the dispute. I hope that the above response will provide your office with the information you are seeking. Please contact me with any additional questions.

National Credit systems also stated in the compliant : Company 's response The outcome of our investigation has been mailed her. We would now ask the XXXX XXXX identify the specific item of information that is in dispute ; explain the basis for the dispute ; include all supporting documentation required to substantiate the basis for the dispute.

However I never received anything in the mail of the outcome of there investigation so I would be able to identify the specific item of information that I have been disputing : nor have I not been giving the opportunity to explain the basis for the dispute.

Furthermore I sent National Credit Systems a Certified Letter by mail on XX/XX/XXXXrequesting for documentation and they have yet to respond to my Dispute and letter request.
I applied for a credit card at Chase Bank. They needed additional documents to verify my information. The first letter indicated that they needed my photo ID and proof of residence. I sent them my passport and utility bill. A while later, I get a later saying that they ca n't read my passport. I call to ask why that 's the case. Turns out, they need my social security number verification. My passport photo was actually fine. This was already one month into the application process. I send them a fax of my social security card. They swore that they received it. I call 3 weeks later because I still have n't heard from them. They then say they never received it in the fax. I send them one in the mail. I call them on XXXX/XXXX/XXXX ( I applied for this card around XXXX time XXXX ). They tell me that I will find out about the status in 1-2 weeks. They are legally obligated to tell me whether I got rejected or accepted. I do n't hear anything on XXXX/XXXX/XXXX. I call the bank again. The gentleman checks the status, says that I have been rejected because they could n't verify my information and the application has been closed. I ask if he can send me a letter explaining why I have gotten rejected. He says he can not. I told him he 's legally obligated to do so. He says yes he is, but he still wo n't send me a letter. I asked to speak to his manager. He said his manager is unavailable, so he will call me back. I did everything I can to apply for this credit card. I have a superb credit score - XXXX. I have a credit card through XXXX XXXX XXXX. I pay my bills every month. I deserve a reason why the incompetent bank can not verify my identity even though I followed every single step they have asked me to poorly communicated with me to do so. I had to call them every week to check the process because they were very unhelpful with the application process. Every step of the way, they were n't clear what they needed.
On XX/XX/XXXX, I filled, in person, a job application to work with XXXX XXXX XXXX XXXX, base at XXXX XXXX XXXX XXXX XXXX, IN XXXX, at the XXXX XXXX in XXXX  Florida. I consented for a background check. A week later, I received a letter from First Advantage XXXX XXXX XXXX XXXX XXXX, iN XXXX. In their Letter they said I have a criminal record dating to XX/XX/XXXX that I was sentence to a XXXX XXXX XXXX. Letter was dated XX/XX/XXXX the date after I applied.I have never been arrested, never been in trouble with the authorities And never been on XXXX. This record is false, I dont know what is the purpose of this, or the meaning. If this is a tactic utilized by XXXX XXXX XXXX XXXX to denigned employment shame on them this need to stop. I need your help because I dont want them to forward erroneous information to my future employer.

I contacted them, ( First Advantage ) they couldnt give me any information of who gave them this information or why or what was in the report. All he was interested was getting my social security. I assumed that XXXX XXXX XXXX XXXX, provided them with this information.I was told to contact The XXXX  Court System. I went in person to get a copy of my criminal record they couldnt find anything not civil, no criminal, no probation, nothing. there wasnt any record. When I showed them the letter send by First Advantage, I was informed that this letter is a fake, fraud, the case number mentioned in the letter is non existent thats not the format use by the court systems. Im very concern, upset and confused by the way the private information I gave XXXX XXXX XXXX  was used.
In XXXX or XXXX we contacted our second mortgage company requesting a modification with regard to our second mortgage with USAA Federal Savings Bank, the bank advise us that we did not need to request mortgage modification in order to maintain our lower interest rate due to the SCRA. We were to obtain a modification on our first mortgage with XXXX XXXX XXXX mortgage. USAA Federal Saving Bank is telling us they are not offering any modification or refinancing regarding our secondary mortgage in order to lower higher current rate now of 8.5 %, after they told us we did not need to, and our rate would remain at 4 %.
XXXX XXXX XXXX XXXX and bank are misleading and fraudulent. I was out of work for a total of 3 months in the transition of changing employment. I fell behind on payments and on numerous occasions called to ask for smaller payments or a payment arrangement. I was told " No, unfortunately we do n't offer any such program ''. 
Once I began working for my new employer, I made several other attempts in which I was again, denied payment arrangements to catch up with my account. The account was opened in XXXX and remained in good standing until this incident in XXXX. Furthermore, I finally spoke with a representative about 3 months later who offered a 12 month program. Very similar to the one I inquired about yet was always turned down. He set me up on monthly payments. However, little did I know that I would need to consistently chase XXXX XXXX XXXX once again, to ACTUALLY deduct these payments. After escalating the matter, A payment arrangement was finally scheduled for 12 months beginning XXXX XXXX XXXX XXXX. I received a notice in XXXX XXXX stating that my account will soon resume back to normal status once the plan completed in XXXX XXXX. 

Here we are, in XXXX XXXX and I have n't received any other notices from XXXX  XXXX XXXX so I decided to call. I 'm also NOT ALLOWED To log into my account or event view any statement information since initially having the issue one year ago. I stated to the representative that I would like to continue making payments however, she notified me that my account has been closed since XXXX XXXX. This is outrageous! No one has mentioned, or disclosed this and I was notified that my account would resume normal status as of XXXX XXXX. They also failed to mail any letter or memo indicating this. 

The representative then told me that I would continue to not have access to any of my information online. However, they also discontinued sending me statements so I 'm blindy making payments and they refuse to disclose my balance, payments and any other charges they may be adding. 

Please assist with this type of credit card bullying. They took me for a ride this past year and now they refuse to disclose my information per my consumer rights.
In the XXXX quarter of XX/XX/XXXX, my credit score was impacted adversely due to a medical bill that was reporting adversely in error to the Credit Bureau. This bill was paid in full ; however, the medical provider posted the payment to the wrong account which resulted in the error. During this same time, I made a significant large payment to Citibank. Within days of making the large payment, Citibank reduced my Credit Line from what was over $ XXXX to my revolving balance amount. When I called about the reduction I was told it was due to my FICO. Between the medical bill and the CL reduction, my XXXX decreased over XXXX points. I researched the issue with the Credit Reporting Agencies and found the medical bill error. This was corrected on all XXXX Credit Reporting Agencies by XX/XX/XXXX. My FICO then increased over XXXX points. In XX/XX/XXXX, I had contacted Citibank about restoring the line back to the original limit since the reduction had effected my score as well. I was told that they could not give me a reason why and I would have to wait until I received a letter. I requested to escalate the issue and was told that no one could take my call. This is unacceptable and it is a bank Regulation to provide a reason for adverse action. I am currently making over $ XXXX a year with $ XXXX in income through a XXXX property.I have been actively paying down my accounts in the past year. I think that this treatment is unfair and breaking the Regulations set forth. I wish to have my credit line restored to the original limit with no intention to use, only to improve my credit score. I am in the process of buying a home and this issue is preventing me from obtain the best avaliable option. I have paid my account on time since opening the account over XXXX years ago and I have alway paid the fees associated. Please consider restoring the Credit Line and address the Regulation violation. Thank you!