WillisBack/dataset-financial-user-claim huggingface dataset:
Sign up bonus terms were 50k XXXX points after spending $ 2k within 3 months for Preferred Rewards Gold card ending in -XXXX. Minimum spend was met back in XX/XX/XXXX ; have opened a case with XXXX but they keep blaming an " internal issue '' without further elaboration and keep telling me to wait/check back in a week.
As a side note, I 've also not seen my {$200.00} statement credit post, but I have also not yet been assessed the {$190.00} annual fee, so as long as that does n't post I 'm not worried about the statement credit. If and when that becomes and issue, I will reach back out.
I am a parent of a  XXXX  and tried to open a debit card account for a minor. I already have a bank account + credit card with Chase Bank here in  XXXX , CA. The bank physical address address is :  XXXX   XXXX   XXXX ,  XXXX   XXXX , CA  XXXX  - Today,  XXXX   XXXX    XXXX   around   XXXX   XXXX   I tried to open a minor account for my daughter (  XXXX  yrs in few days ) with me acting as primary account holder. I submitted all my personal verification details and then account manager/bank  manager aske d more information about where I work, how much money I make, what other bank accounts, credit cards and liabilities I have.     I refused to give additional financial information about me and the bank refused to process my request to open an account. The employee called th e manager and manager  repeated the same information despite me saying that they have my  SSN and can always run credit report ( which I assume is illegal also ).      Collecting competitor bank, loan, credit card and other financial information is illegal from my perspective when I am trying to open a simple debit card account. Chase Bank is illegally requesting additional information and denying me to open a simple debit card as a neighborhood bank.  Chase manager  said, it is their policy to " get to know the customer '' and cite d Federal laws in a booklet which says " Banks may ask additional information about the customer '' - but does not  state, that can deny the service if not provided.     I want CFPB to take against this kind of forcing the customers to disclose additional financial information and gaining insights to further market products to customers when a simple debit card account was all I requested. As a citizen not asking for loan/debt, why should I disclose additional financial details to Chase Bank?
I sent a letter to Equifax requesting that send me information that proved the verified the Public Record reporting on my account, and the account XXXX these items are reporting negatively on my report and affecting my credit score. I sent them two letters and they sent back verified for the public record, however they stated they obtained from local, state and federal courts through a third party vendor XXXX. 
I have a letter from XXXX where I opt out of the program and a letter from the court that states that do not report to the credit bureau. They have failed to provide me with a valid resource, person of contact, or agency.
My identity was stolen in XX/XX/2015. My identity was stolen through XXXX and the amount on the account is XXXX. I am not sure when this account was created because I have had many things put into my name that are not mine. However, I estimate the account to be created around XX/XX/2015. I have contacted XXXX many times about this account not being mine and this is not my debt to be paid and they still put it on my credit score and ruin my credit. There has already been a police report file and I have all of the documents stating that this account is not mine and this is not my debt to be owed.
Affidavit of Demand by XXXX XXXX XXXX COMMONWEALTH OF PENNSYLVANIA COUNTY OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of XXXX and am a resident of the Commonwealth of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 

2. I suffer no legal disabilities and have personal knowledge of the facts set forth below. 

3. Date : XXXX/XXXX/XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX I am sending you a Letter of Demand Under Section 604 of the Fair Credit Reporting Act. I see you put an inquiry on my credit report. Please provide me Permissible Purpose of your inquiry. Please provide me proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FRCA section 623. Please provide me Written Authorization, the original contract copies of my signature that I initiated this Inquiry. I have been a victim of identity Theft. Please see my 10-page attachment ( Your Duties Under the Fair Credit Reporting Act ) concerning Fair Credit Reporting Act sections 604 and 605B laws. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this re-investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Last four digits : XXXX DOB : XXXX/XXXX/XXXX
XXXX XXXX XXXX, XXXX. began sending me this bill in approximately 2011. My husband has a mortgage with same. However, I have not ever, nor do I now have an account with XXXX XXXX. I have ignored the bill until news broke recently that the bank was opening credit cards in the names of people without their consent. 

That is when I realized I could possibly be one of the victims. 

To the best of my knowledge, this bill has now been turned over to Northland Group , Inc. and they are now still trying to collect an amount I do not owe. As well, it is now a blemish on my credit report.
Dear Sir, I have run the Experian Credit Report dated XX/XX/2018, Experian kept on reporting false information on my credit report. I have communicated my personal information multiple times name, address, SSN, date of birth and various identification details. Experian kept on mentioning wrong details of name and address. I have also communicated to CFPB as well as Experian Multiples times on my name, address and various details. Experian have communicated to CFPB that they correctly mentioned my name and address, again they mentioned various wrong details of my name and address. 
Could CFPB kindly direct Experian to disclose the details of the creditor, who reported the wrong name and address in the credit report dated XX/XX/2018. 
Could CFPB to take appropriate action against Experian for entertaining wrong name and address in my credit report for granting access to creditors even though it was notified to Experian multiple times through CFPB and all the complaints are part of the record.Could CFPB kindly direct Experian to remove the wrong name and address from credit report. Experian holds the accountability and responsibility for creating troubles to consumers and keep entertaining the wrong names and addresses in my report.
Mj Altman agency has been reporting a medical debt on the credit report for years. There is an incorrect date of delinquency, and they have NEVER provided validation of the debt. This has been disputed multiple times- at least annually. The company continues to repollute the credit report and change the date of delinquency to extend credit bureau reporting in violation of FCRA. Several years ago, I received a bill that was past due for some kind of XXXX. I called the doctor office as I had never been there for service, and they said they believed the bill might belong to my father, as he has the same name. Again, makes no sense as he has XXXX, and I had an XXXX at the time that paid 100 % of XXXX fees. In either case, there would have been no balance due. Then shortly thereafter the account appeared on my credit bureau. I disputed the account, and the creditor provided no verification. This is impeding my ability to obtain a mortgage, damaging my credit and violating the law.
I applied for Suntrust 's Home Preservation program last year when I was on XXXX. After finding out the specifics of the program, I asked to be removed. I have asked again this past Spring and was told I was going to be removed after 6 months which would have been XX/XX/XXXX. My mortgage is not 30 days behind. I made my XX/XX/XXXXpayment on XX/XX/XXXX. On XX/XX/XXXX I received a call from the Home Preservation program. When I call in they say they are attempting to collect a debt. I have asked more than once for them to stop calling me and have messages asking to be removed from the program. This is harassment.
I have been requesting verification of the following account that Equifax continues to report on my credit file : Wage Earner Plan/Bankruptcy # xxxxxx. Equifax listed XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, GA XXXX as the source of their verification on XXXX XXXX, XXXX. 
On Thursday, XXXX XXXX, I directly called the XXXX XXXX telephone number that is listed on my report at XXXX and spoke with XXXX XXXX XXXX XXXX XXXX XXXX and she informed me that a security freeze was placed on my account as of XXXX XXXX, XXXX, along with information suppression dated XXXX XXXX, XXXX. I have attached a copy of my security freeze and suppression confirmation that I received directly from XXXX XXXX showing the date of confirmation. 
On Friday, XXXX XXXX, XXXX, I also directly called the telephone number listed on my SECURITY FREEZE CONFIRMATION LETTER FROM XXXX XXXX XXXX and spoke with XXXX XXXX XXXX XXXX XXXX XXXX and he also advised me that my security freeze was confirmed and set into place as of XXXX XXXX, XXXX. He also told me that there is NO inquiry from Equifax or mode of verification from XXXX XXXX to Equifax showing on my XXXX XXXX credit file. And she also stated that XXXX XXXX DID NOT verify the verification that Equifax shows as reported on XXXX XXXX, XXXX. 
I also contacted the U.S. Bankruptcy Court requesting their process of reporting bankruptcy information to the credit bureaus to which I was informed that they DO NOT report to ANY credit agency. I have included the letter from the bankruptcy court as well. 
I demand that this public record Wage Earner Plan/Bankruptcy # xxxxx is removed due to lack of verification and inaccurate reporting of verification date. The entire process of reporting a public record from the original source is a flat lie based on information given from the United States Bankruptcy Court. 
I have repeatedly requested tangible documentation whether electronically or hard copies and Equifax has yet to verify. All they send is a XXXX XXXX address and a statement saying the account is verified. I demand that this unverified account : Wage Earner Plan # xxxxxxx is PERMANENTLY DELETED FROM MY CREDIT FILE. 

I demand and request this public record : Wage Earner Plan/Bankruptcy # xxxxxxx is removed/DELETED PERMANENTLY due to lack of verification, INACCURATE REPORTING OF VERIFICATION DATE and invalid process of reporting a public record. Please help!
I am writing in dispute to the payment history reported fromXX/XX/2017 throughXX/XX/2017. During XX/XX/2017,XX/XX/2017, and XX/XX/2017. I paid as agreed per a Trial Payment Plan (TPP), a partial payment agreement, which was supposed to be reported to the Credit Reporting Agencies (i.e. XX/XX/, Equifax, and XXXX). According to the recent credit reports I have received and my communication with each agency by phone, this information was not disclosed by XXXX. Instead, due to the partial payments, my payment history reflects 60+ and 90+ days late during the aforementioned period. I have a copy of the TPP that I signed and that was approved by XXXX, with highlighted statements. On page 2, bullet 7, it states “Please note that except for your monthly mortgage payment amount during the TPP, the terms of your existing note and all mortgage requirements remain in effect and unchanged during the TPP.” On page 2, the 3rd bold section under “Additional Trial Payment Plan Information and Legal Notices state, “Your current loan documents remain in effect; however, you may make the Trial Payment Period Payment instead of the payment required under your loan documents.” (I also have monthly statements fromXX/XX/2017 showing the dates these payments were received.) Despite the acceptance and fulfillment of this TPP, and despite reassurance from 3 different XXXX   representatives each month that I personally made the TPP payments by phone, I have incurred 60+ and 90+ late payment marks on my credit report with XXXX. The TPP document clearly states that I may make these partial payments; the TPP payment agreement is the exception, but all other mortgage requirements remain in effect.
i was just looking at my credit report and i was a collections from XXXX XXXX XXXX for the sum of XXXX for a account i do not know about.
I talked to transunion reps about inquiries on my credit report as I did n't ask for my credit to be ran. I am trying to tell them I did n't authorize these but they are failing to delete them.
There are quite a few inaccuracies that i have tried to rectify with all 3 credit reporting bureaus ( XXXX, XXXX and Transunion ). 

1. Mainly being my previous addresses. I have contacted and disputed will all 3 bureaus NUMEROUS times over the past few years and they are refusing to fix it. I have homes on my credit report of which i have NEVER lived, or information that is being mixed in with mine from other family members. I have never lived outside of my county and i have leases to prove where i have lived and how long ive lived there. This is preventing me from obtaining credit and makes me seem unstable. I have even been turned down from a job AND an apartment because of what my credit report showed ( made it appear as fraud ). I called all 3 bureaus on XX/XX/XXXX to try to update the information again. EAch time i was rerouted, or sent to a special agent that told me that ca n't change anything or remove it because a " creditor '' reported that address. Which brings me to another issue. 

2. In XX/XX/XXXX, for several months i sent out certified letters to each bureau and called each bureau throughout the year. I told them that i did not recognize ANY of the credit inquiries on my report. I was told by a Special Handling US Agent/Rep that i would have to submit in writing my dispute. I informed her and the other reps that this had already been done. No investigation had been submitted. No one has removed these inaccuracies and once again I was turned down for a credit loan and car loan. This is very difficult for me and I pray this situation gets rectified. It has been WELL over a year and my report remains the same. No disputes or anything further have been filed even though I have called an complained. 

I told them my next step would be to file a complaint with the CFPB, and yet they are very slothful and nonchalant in helping me. I have XXXX children and this is making it very hard to care for them!
Applied a American Express Gold Card on XX/XX/XXXX, the page shows if I spend over {$2000.00} during 3 months, I will attain XXXX XXXX points. But I finish all requirement on XX/XX/XXXX and ask Amex why I didn't receive the bonus. It said that i can not receive that even i did not receive any notice that i can not receive that. After Amex internal report unitl today XX/XX/XXXX, i still can not receive the bonus with reason misuse history of incentive. It's unreasonable since no that notice before i apply the card.
After my mother passed away in XXXX, 2016 I received XXXX from her will. I asked my accountant what he thought I should do with it. He recommended that I should put it into tax free municipal funds. The XXXX was initially put into my checking account at TD Bank. I went into a TD Bank branch and a customer service representative told me that he could help me with tax free mutual funds. He ended up putting {$180000.00} not {$190000.00} into a life insurance product from XXXX XXXX XXXX. He got my signature on pages that were misrepresented as tax free mutual funds. I returned to the same TD Bank branch and found that that same representative no longer worked there. I went to the branch because I needed some funds for medical expenses ( I have XXXX XXXX ) and educational expenses for my son in college. I found out that I do n't have any tax free mutual funds but an insurance policy. I believe that I was given the wrong information by TD Bank and lost XXXX to a product that was misrepresented.
Between XXXX of XXXX and the end of XXXX I lived at XXXX XXXX XXXX XXXX XXXX on a lease with their community leasing center where I handed off the apartment in the same ( good ) condition I received it since the leasing center offered me to continue someone else 's lease who was leaving the country and indicated I did not need to provide a security deposit since the leaser before me had already given XXXX. During this two and a half years rent was paid on time every single month. 
At the time of leaving ( ending the lease ) I handed them the apartment in the same good conditions which was received by the leasing administration without a problem with both parties consensus. I never received phone or written communication from them or any representative to indicate something was pending, not even when I left the apartment and they indicated everything was fine and that they were comfortable with the condition of the apartment. Nothing pending was claimed at the time of giving the administration the keys of the apartment. 
A few days ago I noticed in my credit report that I owe {$1000.00} XXXX to IDEAL COLLECTION SERVICE and that there was a debt originally from XXXX XXXX AT XXXX so I communicated with them right away to understand what was going on and asked for details about it. After several tries ( calls and emails ) they replied to me indicating I had to deal directly with the collections office. Ideal Collection Services sent me a vague description of what was claimed to be the charges without any proper documentation supporting these false claims. None of these charges were mentioned when the end lease agreement was signed and it is strange how after the apartment was received in good conditions after 6 years I hear about these charges for the first time. 
Given the irregular situation, I request through you, suspend this irregularity on my credit report which affects me and to properly request documentation supporting this claim to the collections office where the debt is currently held with the " check out '' agreement that was signed when the administration received the apartment keys indication clearly that there is a payment or repair pending on my side. Additionally a copy of the attempts to reach me to communicate said pending charges since I have not receive any communication from XXXX or the collection office at all at this moment and were denied to me when asked for it to XXXX and later to the collection office where they provided a vague letter without any details or backup of said pending charges.
Today ( XX/XX/2018 ) I learned my outstanding mortgage balance is nearly {$10000.00} higher than it was a month ago. I called XXXX XXXX XXXX XXXX  to get it either 1 ) corrected or 2 ) explained why this occurred. Instead of providing help they asked me to send them evidence and mail them a credit dispute. 

I'm mailing the letter tomorrow and will attach the screenshots showing the discrepancy between what TransUnion and XXXX  ( XXXX XXXX ) and XXXX XXXX app. 

Additionally, considering how fraudulent XXXX has conducted themselves in the past, I'm inclined to not pay another mortgage payment until this is resolved.
bought a bed from conn 's XXXX and have made all payments and in XXXX. of XXXX called them to make a payment and i knew i did not have a large balance so while making the payment i ask what the pay off was. they said XXXX owed so i called at the end of that week to pay off balance. about six months later starting getting calls saying i owed XXXX dollars and now it has gone through the roof. i told them to play and give me a copy of the phone recording but would not then i ask them for a copy of all payments would not give me that info. they keep calling i told them ( no lie 100 times to stop calling i had to change my numbers and they keep finding me harrising me for payment. tried to find the owner of the company but no one will give me the info. do i need to get an attorney and sue them for this. because this collecting has gone to far they even put it on my credit and damaged it
In XXXX 2017 I changed my primary checking account and signed up for E-billing services as advertised. Since then I have been receiving the e-bills sporadically and have called Customer Service several times, most recently today. The probem extends to more than one biller so I think the problem is within my bank. In each case i was told it would be up to me to contact the biller to resolve the problem. As I think the answer to the problem is technical in nature and in " bits and bytes '' terminology I do n't think its my place to resolve the problems. If they offer E-Billing, and I signed up for the program, I think its up to my bank to resolve the problem.
I became a XXXX thanks in large part to receiving my XXXX grants for my graduate studies. In XXXX of XXXX I was notified by XXXX XXXX XXXX that my " grant '' was now a loan that they were collecting on. I became a certified XXXX in XXXX and am now tenured. I have been with the same employer since XXXX. XXXX XXXX is not interested in working with me and have indicated that they feel justified in collecting money from me that the US Department of Education granted to me. I make sacrifices to continue XXXX ; financial, personal, and professional sacrifices. Please rectify this issue.
There is an inquiry that is reporting on my Experian credit report from XXXX XXXX XXXX placed on XX/XX/XXXX2017. I do not recall applying for a XXXX XXXX XXXX and I did not authorize XXXX XXXX XXXX to obtain a copy of my credit report. I have asked Experian to place a block on the inquiry because it is fraudulent. They asked me for documents and I have sent them everything that they have requested. The inquiry is still remaining on my credit report and I do not know what to do. It is fraud.
My student loans were taken out in  XXXX . I thought once they wer e 10 years old the y are not suppose to take them. I never got to use the skills I went to school for and I have been a single mother barely working. I a have been homeless 3 times since  XXXX , I received deferments and forbearance they knew I was a low income household and was struggling with no help from my children 's father.     They still took my income taxes two years in a row and still show that I owe them. Please help stop the harassment I am dealing with.     Thank you for your attention to this matter.    XXXX   XXXX
I am vastly ahead of the repayment plan in payments and for the second quarter in a row the interest rates are going up on my loans. How does paying ahead and having improved credit result in the student loans taking your interest rate and raising it again even legal?