WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, XXXX and in XXXX XXXX I notified XXXX XXXX that the balance they were/are reporting for account is incorrect. XXXX XXXX filed a XXXX notice with the IRS in XXXX declaring {$700.00} of that account was cancelled. As required by law, I declared that amount as income on my XXXX tax return. Therefore, the balance being reported should only be {$440.00}. Not the {$1100.00} that XXXX XXXX is reporting to the credit bureaus, and also being over credit limit. I submitted a fair and reasonable offer to settle this account. This was based on the corrected amount and also XXXX XXXX various FCRA violations in the handling of this account. They have failed to respond to the notification of the incorrect balance being reported, or to the settlement offer.
I used Paypal to send money to an international seller of an item I won via auction. The seller asked me to use the family and friends option to avoid them having to pay any fees. I did n't see an issue with this as this seller has celebrity clients. I would think with that kind of backing I would n't have to worry about being scammed. The auction I won was pricey so they did allow me to split the payment into 2 different transaction. I even paid a week earlier than I expected to be able to pay. Everything seems ok. They provided a tracking number but for a week it did n't work. They said first it would take 48 to post. Then they said they would check into it. Then they said it was siting in customs and would be resent. I even gave them my phone number to contact me if they had any issues. All of a sudden the messages stopped and I realized I was blocked. I have screenshots of our conversations. I tried to dispute the claim on Paypal but since I sent via family or friends its not disputable. I now know why they requested me to send payment that way. So then I tried to submit a dispute for the currency exchange and they declined it. I 'm very upset as I 've been a verified Paypal user for years with no claims ever filed against me. I just want a refund for the money I paid. Any help would be greatly appreciated. Thank you.
I opened my CitiGold checking account XX/XX/2016. I signed up for it because I saw a bonus promotion that promised XXXX citi thank you points miles would my account. To receive the bonus, I was supposed to make a least one bill payment per month for two consecutive months within 60 days of opening the account. After I completed these requirements, I asked Citi customer support when I could expect to receive the promised points. I received a response that contained this : " Upon review of your account ending XXXX, I can confirm that you were not targeted for any promotions for the opening of your account. If you have the flyer that is addressed to you with the terms and conditions of the promotion. I apologize for the inconvenience. " In this message I was told I would receive the points because I was not targeted. There was no mention of targeted offers when opening the account. I met the terms of this offer and Citi should meet the requirements and award me the points.
In XXXX 2015 I applied for a mortgage. This mortgage company ran my credit multiple times resulting in several " Inquiries '' on my reports with all XXXX major credit bureaus. Same thing happened with a car dealership they ran my credit XXXX times with in 2 days resulting in XXXX " inquiries '' on my report.
On XX/XX/XXXX, I received my tri- merge annual credit report and see some hard inquiries that I do not recognize and authorize. 
On XX/XX/XXXX I contacted Equifax via certified mail about the inquiries. few weeks later they responded by saying it was factual record of file access. 

On XX/XX/XXXX, I sent out another certified letter explaining that I did not authorize or recognize these 2 inquiries from XXXX posted on XX/XX/XXXX and XXXX/XXXX posted on XX/XX/XXXX. 
They responded again by saying those inquiries are factual record and asked me to contact directly the creditors. 
Immediately, I contacted both XXXX and XXXX/XXXX on XXXX XX/XX/XXXX via separated certified mail through address provided by Equifax . 
The package was Return unable to forward. 
For the 3rd time I contacted Equifax letting them know the address for creditor the provided me, has came back unavailable. And I request them to verify their reporting and provide me name of individual that provided them with those inquiries. 
They came back with same respond that the inquiries are factual record and to contact the creditor. 
On XX/XX/XXXX I contacted Equifax for the 4th time asking them to provide me for the last time with people they contacted for their investigation and they fail again and again. They keep saying the over and over same thing unable to provide any proof. 
I am so tired to be pushed around by credit reporting agency.
OnXX/XX/2018 I resigned as a Loan Officer with LendUS ( XXXX XXXX XXXX  ). Per my Loan Officer compensation plan for 2018, I am due 100 % commissions for any loans closed within 30 days, for which I had 2. That equates to roughly {$10000.00} ( pre-tax ) owed to me before any deductions. I was due payroll payment today-XX/XX/2018, but did not receive anything. No information was provided either on the lack of payment. I did also notify the Labor Boards for both California and NH ( the state I work and reside in ) of this wage payment failure. 40+ other LO 's are also in the same horrible situation due to LendUS 's disregard to pay separated employees. 
( please remove the following if you post this ... ) Thank you, XXXX XXXX XXXX XXXX
I filed for bankruptcy and received a discharge in XX/XX/XXXX. I had a second mortgage with XXXX XXXX XXXX, which was listed on the bankruptcy schedules. Nationstar Mortgage has continued collection activities against me attempting to collect the discharged debt. Nationstar Mortgage has recorded this discharged debt on my credit report as late for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
I was notified by collection agency " XXXX XXXX XXXX XXXXXXXX XXXX, XXXX '' ( see attached ) on XX/XX/XXXX regarding a tax debt with XXXX XXXX XXXX XXXX for {$940.00}. I responded back to collection agency with a certified cease & desist letter on XX/XX/XXXX ( see attached ) explaining my intension of resolving the account with the original creditor. I have since hired a professional CPA on XX/XX/XXXX who was given my Power of Attorney to resolve any debt with XXXX XXXX XXXX XXXX. Today XX/XX/XXXX my bank notified via automated text alert of a large withdraw in the amount of {$5100.00} made by " XXXX XXXX XXXX XXXX XXXX, XXXX '' with no authorization or notification. This was all the money in my bank account that I currently have checks written out to pay bills with.
We received a letter from our credit card company ( Chase ) stating that we were a risk to the reputation of their financial institution and our account was being closed. This was especially alarming due to the fact that when we tried to call about our mortgage ( with the same company ), the company was unable to verify our identity. I tried to inquire about how I could make sure I was n't being hacked and received zero help. We tried to contact the service number linked to our credit card about our account being closed and not a single person would give me more information than " I was a risk to their financial reputation ''. The only answer we got was that they had the right to close an account at any time and they were unable to give us any other information. Frankly, the representative we spoke with was extremely rude. We tried to talk to her boss and was told that she was the boss and no one was over ( even the CEO when we asked about that ). That is alarming in itself. We called three different times with no response. My concern is that we are being identified incorrectly and we are unable to get any further assistance from the company in finding out what is going on with both our accounts. We have the right to know why they are making these decisions and why they ca n't verify our identity on our mortgage over the phone. Chase has been the worst company we have experienced working with. We are both high-standing citizens, have good credit, pay our bills on time, and also respect our reputation. We do n't feel that being blacklisted over something we are pretty sure we did n't do, is appropriate. The company is un-willing to communicate with us over this matter and I feel that they are very disrespectful to their customers.
Someone else in my neighborhood bought a house, the mortgage company filed a lien document that ended up encompassing XXXX houses in the neighborhood. Said mortgage company then sold it to a large corporation ( Pacific Union Financial ) whom would not return any phone calls or emails from both my mortgage company as well as my title company ( and a third party they hired ). 

We spent over 2 months on this issue trying to get it resolved and were never able to. I received multiple extensions from my mortgage company and ultimately ended up losing the opportunity to refinance at 3.25 % which would have allowed me to save over {$46000.00} over the life of the loan.
Dear CFPB Staff, My complaint is about Remex, Inc who submitted a derogatory posting to my credit report. I believe that, given the timing of their credit report posting, that they took this action with pernicious motives. 

Towards the end of XX/XX/2018 or beginning of XX/XX/2018, I started receiving telephone calls/messages during the daytime from Remex , Inc . They would call my personal cell phone and my work telephone number. My job requires a high degree of concentration with minimal interruption, so I could not answer these calls. However, they left messages indicating that it was a bill collection matter. 

Therefore, after finding out that this was related to a medical bill that I had overlooked, I initiated an FSA payment to XXXX XXXX XXXX  ( the service provider ) on XX/XX/2018. XXXX XXXX XXXX received the payment on XX/XX/2018. I also wrote a letter to Remex requesting that they stop their telephone calls and quoting the FAIR DEBT COLLECTION PRACTICES ACT ( the letter was mailed out on XX/XX/2018 ). In the letter, I requested that they submit any future bill-related communication in writing. 

To my surprise, on XX/XX/2018 I received a text message alert from XXXX that there was activity on my credit report. When I logged in, I found out that Remex had issued a derogatory on my XXXX credit report. This derogatory was posted by Remex on XX/XX/2018. This action by them was taken 17 days after XXXX XXXX XXXX received their payment. 

Given the more than three-week lag between the time of my payment and their derogatory posting together with my written notice to them, I believe that their credit report posting was a retaliatory action that was taken to cause harm. 

ATTACHMENTS : XXXX XXXX XXXX - Proof of Payment - XXXX XXXX XXXX - XXXX Remex - Cease and Desist - XXXX - with XXXX XXXX XXXX XXXX Remex Credit Report Derogatory XXXX XXXX
XX/XX/XXXX Was referred to XXXX XXXX Written Correspondence and fax # XXXX ... Submitted all paperwork for Release of Partial Lien on property that the home mortgage is NOT on. We have XXXX plats that encompass the property we own. Well Fargo has a lien on a piece of property that we traded property with back neighbors to square our property off on XX/XX/XXXX. This was an even trade ... .no money involved. Wells Fargo has a lien on their ( XXXX ) property and they need to sell it. All paperwork was submitted to Wells Fargo on the fax # above given to us ... they said it would be finalized by XX/XX/XXXX. That date came and went. I gave authorization to XXXX XXXX XXXX to talk to Wells Fargo regarding the loan lien on his property XXXX submitted all necessary signed authorizations to Wells Fargo. We have XXXX faxes we have submitted and he told us he only received one. A supervisor was asked to intercede.. XXXX XXXX XXXX said faxes were received and he told us we did not have to send any more faxes. XXXX XXXX said he only received one fax. We expected this to go easy but feel we have been ignored ... XXXX XXXX has been ignored ... .and this is a complaint to get this solved. We have been paying taxes on this property all along ... .it is not included in the property plat the home is on. We submitted all legal documents and were told we did not have to submit anything else. we need help in rectifying this situation. We receive no phone calls from them ... .we call and get nowhere ... no one to talk to ... XXXX XXXX is always busy or gone.
I do not have a signed contract and or knowledge the company Receivables Performance Mgmt which also goes by the name of RPM. The mentioned company has placed a debt collection as a derogatory mark on my credit as a third party debt collector agency for XXXX XXXX. The amount shown to be owed is {$540.00}. It is against the law to collect on a debt that is not associated with the original collector and RPM has failed to provide documents that show I had a contract with them! and being that they are not able to provide the documents for the validity of this debt they have to remove the debt and I am requesting that it is removed immediately! I am not responsible for this debt and would like it to be removed from any credit bureau that it is shown. I have repeatedly received threatening correspondence related to this debt but no validity of the debt!! If the debt is not removed from all 3 Credit Bureaus as requested I will be seeking a lawyer as the debt is erroneous and not owed to RPM
I was in short sale review and my home went to foreclosure sale on XXXX/XXXX/17. What I do not understand is why the sale date was still active when I was in review and why I would receive a missing items letter requesting items due back by XXXX/XXXX/17 and the sale was STILL held even after I was advised that the sale would be postponed for the review and counter offer. This issue has been escalated and attempts to reach XXXX XXXX and her supervisor XXXX XXXX have been to no avail.
In XX/XX/XXXX I pulled all three credit reports. I noticed an account from XXXX XXXX XXXX, XXXX. In XX/XX/XXXX I  disputed the alleged account with all three credit bureaus. In XX/XX/XXXX all three credit bureaus came back as verified. On XX/XX/XXXX I received a letter from XXXX XXXX XXXX, XXXX. ( Letter enclosed ) Prior to this XXXX XXXX XXXX, XXXX did not send a dunning notice. They also did not notify me within 30 days of placing negative information into my credit file. On XX/XX/XXXX I sent a certified letter asking for validation of alleged account.
They are reporting a company I have never seen or had any interactions with called XXXX XXXX XXXX I previously had a fraud alert on my credit report and currently have a identity theft form and documentation on file as well as a police report. I never had an account with this company or any companies attached to them and this is negatively affecting my credit. I also have a XXXX XXXX account which has been paid and has not been updated. Also a XXXX XXXX which was paid and I currently have an account with them with the same account number yet it is still reporting negatively. There is also an account named XXXX XXXX, XXXX  which I do not recognize and have never done any business with this company and never had an correspondence prior to this showing on my report.
Hi, In early XX/XX/2018, I opened Citi checking and savings accounts in response to a promotion they were running. The promotion offered a {$400.00} bonus after you deposit {$15000.00} into combined savings and checking accounts. I never would have opened these accounts had they not offered this bonus. I opened the accounts at XXXX XXXX XXXX XXXX XXXX CA XXXX. The banker who opened the accounts for me, XXXX XXXX, assured me that the offer was attached to my account. 

The terms said you qualify for the bonus after 60 days and it will be awarded within 90 days after that. I had {$15000.00} in on XX/XX/2018, 60 days later was XX/XX/2018, and 90 days later was XX/XX/2018. I have called Citi and used their online chat numerous times to ask what the reason for the delay is, and am always told that everything looks fine and they will " research '' the issue. 

The bottom line is that Citi has not honored the terms of its offer, and I feel like the bank is using deceptive advertising to rip me off. If I did not fulfill my obligation on time to Citi, it would charge me an expensive fee for paying late or overdrawing my account. Shouldn't this bank face a penalty for not honoring its obligation to me as well? 

XXXX XXXX checking account ... XXXX savings ... XXXX
During XXXX period of unemployment I was kicked out of a pmt plan to try to catch up because I did n't submit XXXX pmt on the XXXX.That cancellation consequence was n't disclosed to me. Wells Fargo told me I could apply for a modification in XXXX. I submitted my application and I had n't gotten much help from my agent. I submitted EVERYTHING that was required of me. They said that I was denied approval due to afforability and because I had already gotten a modification in XX/XX/XXXX. It was actually XXXX that I had gotten my modification. I appealed their decision with an updated decrease in income because I had a non-borrower contributor lose his job ; my husband. Also, I had a slight increase in expenses which does not allow for affordability. During the review process I was told that everything was on hold and to try and save my payments to pay at a later date. During the 7-month period I had another season of unemployment, birth of a child, and a XXXX for my child and for myself. These circumstances dipped into the savings i was able to retain. In XXXX they denied me and told me I was 8 mths behind and that i SHOULD have been paying all along. I had misinformation, inconsistent information, and had to speak to all different agents other than the XXXX assigned to me. I may have spoken to the agent assigned to my case XXXX or XXXX times. He never answered the phone. He never returned a call within 48 hours. I would get letters stating receipt of documentation usually. I would always have to call someone to find out what i needed next. Usually a lot of time had already elapsed be requests were n't made known ahead of time. They denied my appeal and now have me in a suspended forclosure status. I am waiting on a reinstatement quote letter that should have been ordered XXXX. I am still appealing their decision based on the 24-month modication rule i read upon and the affordability aspect.
Equifax is reporting a debt for a credit card on my credit report and it is not mine I have tried to contact them directly with no response
I have contacted this bureau numerous of times to remove these unauthorized hard inquiries. They have not responded back to me regarding this very important matter. They are not cooperating and its very frustrating that this bureau is reporting inaccurate information.
I received a purchase for my lease vehicle from Toyota Financial Services. I was give 30 days to pay.I called a couple of times to make sure that I Had the correct amount.I paid the full amount that was ask of me within that period, I than received an addition about. Next I received another letter saying that my cashier check was missing signature, they were unable to identify my account, the check they said was damaged, the written amount does not match the numeric amount.They also claimed the odometer was wrong.They also sent me back the check. There was nothing wrong with check.No damage, the amount was correct in according to the first pay off that was sent. I have not signed another contract. 
I am now receiving monthly bills. I have went ahead and paid so that my credit is now affected by this. At the time on this my credit was XXXX. My loan was paid in full, before the the pay off date.
I received a notice from my mortgage company, XXXX XXXX, that my mortgage would be reduced. Unfortunately, I did n't pay attention to the date of the change ; it was effective XXXX not XXXX, 2015. I paid XXXX, an amount that was {$1.00} short. I was notified by email that they refused the payment and that PNC Bank was notified that the payment was to be returned to me. That occurred on Thur., XXXX/XXXX/15. XXXX XXXX also notified me that a correct mortgage amount needed to be paid. I submitted that payment, {$1200.00}, on XXXX/XXXX/15. That money was removed from my account on XXXX/XXXX/15. As of Monday, XXXX/XXXX/15, my first payment was not yet returned. I contacted PNC and the XXXX XXXX. Both said they did not have my funds. At some point, PNC noted that a 3rd party vendor that processed online bill payments MAY have my money. I was told that I could initiate a dispute to help get the funds returned to me. I was also told to contact the 3rd party vendor. I asked for help in doing that by way of a XXXX way call, but was told they did n't have the capability to do that. After several calls, PNC dispute services told me that I needed to sign a " Written Statement of Unauthorized Debit ( ACH ) '' to verify that I was filing a dispute. I asked for the form to be emailed to me but was told it could not be, that I would have to wait for it to arrive my USPS mail or I could obtain it at the local PNC branch. I had already gone to the branch when this issue began and was not told about this form. I went to the branch in XXXX XXXX, VA for a XXXX time. I requested the form. I was told they did not have the form. I told them I had been directed to get it from them by the Dispute office. Again, I was told they did not have such a form. I left very upset. I called the Dispute office again the next day or so. The first think I was told was that it appeared that I had cancelled my Dispute claim. I emphatically insisted that was NOT THE CASE and that my money had not yet been returned. I also told them about my XXXX visit to the local branch ; they got the local branch on a separate phone line and directed them on how to locate the form for me. After all of this, the next day on XXXX/XXXX/15, I could see that there was a pending transaction for return of {$1200.00}, my XXXX incorrect mortgage payment. Meanwhile, a representative from PNC called, but I was unable to determine the name. I called the number left, but it was a main number. I was unable to contact the person calling since I had no extension. I did call the Dispute office and left a voice mail for the XXXX person I worked with most to say my money had been returned. WHAT A STRESSFUL and upsetting experience. ( I did my best to put these events in chronological order ; I apologize for any error. ) To date, I have not spoken to anyone from PNC that has expressed regret over this situation or to ensure that my funds were returned and accessible to me.
XXXX/XXXX/16 mailed a letter and included required supporting documentation to 1 ) have my married name updated & 2 ) address updated. Results - address was updated but name was not. 

XXXX/XXXX/16 - phone Equifax. Result - name was updated incorrectly. 

XXXX/XXXX/16 - opened an online request. Result - Equifax marked it complete the same day with out taking any action. Name is still incorrect. 

XXXX/XXXX/16 - phoned Equifax. Informed it will take 30 days to have name updated. Request is already 6 weeks old and 30 days is not an acceptable amount to time to complete such a simple customer service request.
I received a telephone call from a company who say they are mediators. There name is ARA. They left a message on my voice mail. I got a call from my ex husband who I have not spoken to in over 20 years. The voice mail message he got was the same. The message is saying that I had committed fraud. Message ... 
I am calling to take action for defendant by the name of blank. Date of birth XXXX XXXX XXXX. This is XXXX XXXX XXXX (? ) XXXX making contact with you from the processing and summons division out of XXXX XXXX XXXX XXXX in reference to a complaint filed regarding fraudulent activity link to your name and social security number. I was unable to reach you by phone etc. 

When I called them they would not tell me what I wanted to know and were very rude. They had no legal right to contact my ex husband. My sister said she also had a call and said she felt it was a scam. The phone number that called us is XXXX.