WillisBack/dataset-financial-user-claim huggingface dataset:
I opened a Citigold checking account over the phone on XXXX XXXX, 2015. At that time, I asked the Citigold representative to put a promotion offer code I received in mail in the system before he submitted my application. The promotion code is " XXXX ''. With that code and my existing Citi XXXX credit card, the Citigold representative confirmed that I would be receiving XXXX miles for opening this Citigold account as long as I spend at least {$1000.00} with my Citigold debit card and make XXXX consecutive bill payments using the Citigold checking account. 

I then fulfilled the spending and bill payment requirements using this account. After that, I contacted Citigold customer service again on XXXX XXXX to check when I would be getting XXXX XXXX miles. The representative checked the details of my account and told me all of the requirements had been met and the promotion XXXX would be deposited to my XXXX account no later than 90 days. She also confirmed my XXXX XXXX account number. With the confirmation, I was expecting that the XXXX XXXX will be available in my XXXX account by the end of XXXX. 

However, I still have n't received anything for the promotion offer so far. I contacted Citigold customer service at the end of XXXX and they said they would set up a case for me to investigate the issue. So the case was set up on XXXX XXXX and they told the case would be resolved by XXXX XXXX. But I have n't received any response from Citi since then. 

This is totally not acceptable and I 'm very disappointed with Citi. Therefore, I 'm submitting a complaint here to request Citi to give me the XXXX XXXX, as said by the mail offer originally.
My major complaint is that my payments were mis-applied and then my file was sent over for Foreclosure. 
They have stated that I have gotten 3 modifications and that is not true. 
If they are a debt collector, then my alleged debt has already been paid when it was transferred over to them and I would like for my file with them to reflect that. 
XXXX did not forward my information over to SPS Servicing and I had to start the modification process all over again, only to be told that it was not a good business decision by my servicer and to deny me any services
On XX/XX/XXXX, I sent an investigation request to Equifax and XXXX XXXX. They are supposed to respond with the investigation results within 30 days. Its been 45 days, and they have not responded yet.
I can not access my credit report because it is confusing me with my twin brother. XXXX, XXXX, and equifax have not helped me at all.
My credit report shows a lot of accounts that were opened as a result of someone applying under my name and credit information. I called XXXX several times to report this crime but they have not closed this fraudulent account. In addition, I have provided them with a police report, yet they continue to still leave this account open, enhancing new opportunities for more fraud.
I contacted the Credit Bureau, requesting validation of the Bankruptcy, because I did not file a bankruptcy. I was sent back a credit report stating that the bankruptcy had been verified by the XXXX Court ( but no documentation to support that ) and if I had questions to contact the XXXX Court at the address listed on my Credit Report. I sent a letter to the XXXX Court requesting they 're procedure for verifying information with the Credit Bureaus and they sent me a letter back stating that they do not report to any of the Credit Bureaus.
I have submitted a complaint about my credit report however I have not received any changes. There are tax liens as well as inquiries that do n't belong to me. I have no knowledge of this debt. Please help me! I am furious!! Take them off!! State lien paid in released ( XXXX ) State lien ( XXXX ) State lien ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Inquiries that were not authorized! XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX/Experian credit works XXXX Experian identity rise consumer info Please Remove them immediately!! It should be illegal to report items that do not belong to me!!!
My interest rate is 5.875 and my balance is {$380000.00}. My payment should be {$2200.00}. They are charging me {$2900.00} per month. I called my mortgage company and they can not explain, I have to request explanation in writing.
XXXX XXXX XXXX has reported to my XXXX and XXXX credit reports a collection in the amount of {$20000.00}. There is no account number. I have never been contacted by this company by phone or mail. Please investigate this issue. thank you.
I had a XXXX card for many years I paid on time every single time never missed a single payment, my card was on auto pay so the the monthly payments where made automatically by the bank. 
XXXX XXXX XXXX has closed my account from one day to the other with out notice therefore my auto payment did not go through, I was in XXXX when all this happened as soon as i noticed the problem I immediate took action to correct it and i had added a other bank account so all is running smooth now, I am clearly not at fault on this issue. 
Please help me out thank you very much Happy new year
I am an attorney representing the homeowner. Wells Fargo refuses to speak with me despite having submitted letters of representation twice via email to the specific account representative and the homeowner faxed same to the fax number provided by the representative. As I type this complaint, I sit on an indefinite hold awaiting a supervisor. My basis of my representation stems from Wells Fargo 's unlawful debt collection practices, in violation of the terms of its agreement with the homeowner. Moreover, these practices by Wells Fargo include improper negative credit reporting and repeated dunning collection calls despite my repeated notices of representation. I am attempting to resolve this dispute amicably, without litigation and without incurring excessive legal defense costs - they just won't even talk to me.
Credence Resource Management , LLC.

I disputed the charge because it was fraud. A company employee charged a phone bill to my personal account ( not authorized ) then was fired after discovery. XXXX XXXX XXXX  sent the bill to collections and I continued to dispute the charge as fraud. Finally, after two years of no action I paid the amount, only to have Credence Resource Management refuse to delete the negative credit hit on my personal credit report. Credence Resource Management told me on the call they often delete negative credit hits for other consumers, just won't do it for me even though I actually paid the fraudulent amount.
On XXXX XXXX, XXXX, I reviewed my credit profiles from XXXX, and discovered Capital One Bank is erroneously reporting XXXX derogatory credit card accounts on my credit report. I contacted the Capital One Bank fraud department on or about XXXX XXXX, XXXX, and spoke to a fraud account manager, XXXX, and explained that I am a victim of identity theft and that I never opened credit card accounts with Capital One Bank, and requested that this information be removed from my credit files. XXXX requested that I forward all supporting documents and said he will investigate the fraudulent activity. 
On XXXX XXXX, XXXX, I completed gathering the requested supporting documents along with a cover letter stating, " On XXXX XXXX, XXXX, I realized I may have been a victim of identity theft and immediately filed a police report at the XXXX Police Department ( copy enclosed ). 
As promised, I have also contacted XXXX XXXX XXXX and obtained a copy of the claim relating to fraudulent activity on my account, specifically XXXX XXXX ( XXXX ) unauthorized ( ACH ) electronic debits paid to Capital One Bank between XXXX XXXX, XXXX and XXXX XXXX, XXXX ( copy enclosed ). 
I have just today reached out to XXXX XXXX fraud department and initiated a claim in connection with the XXXX XXXX XXXX transaction for {$280.00}. I will advise of the outcome of their investigation and any documentation obtained as well. '' To date, Capital One Bank has failed to remove the fraudulent information from my credit files.
I called TD Bank where I hold several accounts to apply for a line of credit with their Visa card. I specifically told the representative that I wanted to do XXXX balance transfers. He said that " would be no problem '' and " even if the line of credit does n't cover the balance transfer amounts, they would approve it '', " do n't worry about it ''. The call was recorded. They proceeded to approve me for {$5000.00} line of credit which did not cover the balance transfers. Assured me they would approve these transfers, and proceeded to end the call. I called 7 buisness days later to find out, the balance transfers were rejected, but I had an open line of credit for {$5000.00} with a high APR. The balance transfers are 0 % APR. When I brought up the complaint, I spoke to a supervisor, and was told the matter was " being looked into ''. I now have to close an account I will not use and they ran my credit with assurances that I would have my balance transfers accepted. The supervisor ID that was handling the matter was # XXXX on XXXX XXXX and XXXX XXXX # XXXX. The matter is still being looked into as the conversations were recorded. In conclusion, I opened a credit card with false pretenses, which later I had to cancel and does show up on my credit report. As noted above, I was able to obtain employee ID numbers of everyone I spoke to. When I called my third time to close the account and inform them I am filing a formal complaint with CFPB, the employee would not offer me his employee ID number. Only name and extension.
I have never heard of this company before yet they have arbitrarily decided to show up on my Credit Report. They did not give me any notice of my right to dispute the debt and are in violation ( s ) of the California Rosenthal Act and it's federal counterpart the Fair Debt Collections Practices act.

I have never heard of this company in my life. I have also sent them a request to validate the debt, which is attached. I have faxed it and sent it to them via certified mail. According to the law, they are required to cease all Credit Reporting until they can abide by the FDCPA and FCRA.

I wanted to attempt to resolve this through the CFPB instead of filing a lawsuit, but of course, that will be next if they do not remove this item from my Credit Report ( s ) right away.
I have a mortgage with Nationstar Mortgages for a new condominium I purchased in  XXXX  of  XXXX . This loan includes an escrow account for taxes. Nationstar acquired the loan in  XXXX  from  XXXX   XXXX   XXXX . Neither of these  XXXX  companies have paid my town real estate taxes stating they will not due so because it is a new condominium and the tax bill is for   XXXX   of the  XXXX  units in the association. I have provided documentation from the town verifying the percentage of the taxes that my unit is responsible for. I have also asked that if they will not pay the taxes, that they refund me the escrow so that I can pay the taxes. Both companies have refused to do so. The town has said they are starting the process of placing a lean on the property. As well, there are over {$80.00} in late fees that neither company has been willing to pay.     I have close to   XXXX   XXXX    in  my escrow account. I have tried many times to resolve this and have had a least six phone calls and have sent letters to them, have sent them all the requested documentation, but they have not resolved this. In my last phone call on Friday,  XXXX   XXXX ,  XXXX , Nationstar said they would not resolve this until the next fiscal year in  XXXX , despite being aware the town plans to start the process of placing a lean on the property.
I received an email from my employer on XXXX/XXXX/XXXX advising I had a garnishment processed on my paycheck. 

Was given phone # XXXX to call XXXX and reference case # : XXXX. 

When I called a XXXX answered the phone and denied any request to not be recorded. Advised my mother was served my summon on XXXX/XXXX/XXXX, I advised I am not my mother. Then I was told I called in on XXXX/XXXX/XXXX but I did not. 

I asked for ownership of the debt to be mailed to me and stated I feel that my rights were violated because I do not understand how I can be garnished when I never had the chance to dispute said debt. 

When I asked what documents would be mailed to me, rep XXXX and Supervisor XXXX XXXX informed me they do not know and were not required to know what I am suppose to receive and would not provide me with the name of the regulatory agency I should follow up with if I feel that my rights were violated. 

If this debt is valid I want to make good on the debt and I want to keep misinformation from hitting my credit report. At this time I feel powerless because they already have garnishment withholding order in to my employer. 

I advised that if I do not receive the documents I will be at their office to request paperwork in person. 

They said they had me on recording acknowledging the debt but refused to provide any copy of the recording or to play the recording on the phone. 

Please help me. 

XXXX XXXX
I was unaware of the said debt and was not notified about the debt. The debt appeared on my Equifax credit report on XXXX XXXX, 2017. I immediaetly filed a dispute and neither Equifax nor the debt collector was able to provide me with debt validity. This collection was also removed from both XXXX and XXXX as well because the company was unable toshow proof of the account. Equifax responded to my dispute by stating that it was verified by XXXX XXXX XXXX. I did recieve any inforation concerning debt from Equifax or the collection agency. This account is reporting negativley on my Equifax report and causing me credit issues.
I received a voicemail stating the following " XXXX, My name is XXXX, i am reaching out to you today as a courtesy in regards to documentation that was placed attached to your name and social security number i have to review this matter and i want to give you a chance to provide a statement on your behalf prior to my recommendation being made. it is imperative i speak with you to discuss this matter further i can be reached directly at XXXX and when returning the call please refer to reference number XXXX ''. I contacted this bussiness back to see what this was concerning and the party i spoke with stated i had a debt that was owed and was pending trial. He stated they would be sending my information to an attorney and i could dispute it then. I explained i would like him to notate that i am verbally disputing the debt and that the statue of limitation to collect on this debt had past. he continued to talk over me and stated i would have my day in court and could do so then. i explained that i would like to speak to the attorney handling the case. He refused to give me the information i asked for. I asked for the oringal creditor information and he stated he did not have that info and they would not speak with me. During this time he did not provide a meaningful disclosure or the mini miranda. I asked mutliple time if he was a debt collector and he refused to answer my questions. He became upset and terminated the call.
I have been unsuccessful with mailing in disputes and calling in reference to unauthorized inquiries been reported on my credit file.
Continues to call even though Ive asked for proof of my debt which they keep telling me they will send but they do not. They even contacted my family and go as far as to ask them personal information about me. The calls are stressing me out and if I block it they call from a different number. Ive already tried to handle this but they will not send me anything in the mail to confirm they just want payment over the phone.
Ally financial is trying to collect on a account thats not mine nor did I sign for to be a co signer for. The date opened was XX/XX/XXXX for {$11000.00} and closed on XX/XX/XXXX. They have called and harassed me about this account and threatened me about and I tried to explain to them but they just kept on. I even checked and they are not even licensed to collect in the state of Arkansas.
Creditor reported debt that is outside of Texas SOL on my credit report. No written communication sent to debtor.
Was trying to use my Debit Card on XXXX/XXXX/16 and was declined. Checked online banking and received notice that my account has been frozen. I called cusotmer service and they said my account was closed but they could not or would not tell me why but no withdrawals or deposits could be made on my account. Was not given a courtesy call from the bank letting me know what is going on. Went to the branch on XXXX/XXXX/16 and was told the same thing. Yes it is frozen and will be closed and you will receive a letter and any remaining funds in the account in about 10 days.
I was unemployed for 4 weeks and got behind in payments the first month. I fully intend to repay the {$800.00} loan for dental services. Yet they continually call 5-10 times a day, send letters, and emails. I can not repay the loan if Synchrony Financial continually harasses me while working. I will lose my new job and will not be able to make the payments. I can not make the payments, if Synchrony Financial continually harasses me at work, I will lose employment.
This is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from Transunion, XXXX, and XXXX  with no success. They have refused to update information. Accounts to be removed : XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX # : XXXX, XXXX XXXX XXXX # : XXXX, XXXX XXXX XXXX XXXX XXXX # : XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # : Unknown XXXX XXXX XXXX XXXX XXXX Unknown , Tax Lien XXXX : XXXX XXXX I have never lived at XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL. Never worked at XXXX XXXX.
After reviewing my credit report I noticed a few inquiries on there being reported by this credit bureau in which I have disputed them and put a fraud alert on my account as well with the creditors and the credit bureau is still reporting these not proven compliant inquiry deficient of true permissible purpose that REQUIRES immediate and permanent deletion, on my credit report. The last two letters I sent certified with tracking numbers in which the credit bureau responded back with verified and updated. After calling them, they told me if I believe this was unauthorized, please contact the creditor and still reporting these inquiries and ignoring my request of dispute. My complaint is towards these unauthorized and or possibly fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegations of credit inquiries by Original Creditors on my TransUnion credit report. Regarding the following inquiries. 1 ) XXXX XXXX. XXXX XXXX from XXXX XXXX, XXXX, & AGAIN on XXXX XXXX, XXXX, XXXX ) XXXX XXXX  Inquiry from XXXX XXXX, XXXX, 3 ) XXXX XXXX Inquiry from XXXX XXXX, XXXX, 4 ) XXXX Inquiry from XXXX XXXX, XXXX, 5 ) XXXX - Inquiry from XXXX XXXX, XXXX ( and ) XXXX XXXX, XXXX. I have disputed these unauthorized inquiries for several months with no help from the companies or TransUnion. I have repeatedly asked for any type of detailed documentation of an original signed contract or proof of signature from all companies inquiries. I have NEVER applied for credit online or in the store with any of these companies. I have had no response from certified letters sent to several of these companies. XXXX XXXX service is a third party for another company and keeps telling me that they will not investigate these two inaccurate inquiries that they requested on my credit file. XXXX XXXX  Company keeps referring me to the credit bureau to investigate or Veterans home loan. It is NOT my job to track all of these companies down. These are UNAUTHORIZED inquires. I am not a veteran nor have I applied for a home loan. XXXX XXXX responded that there two inquiries were not authorized by me but they needed an updated address for a bill. I DID NOT AUTHORIZE XXXX XXXX to pull my credit not once but twice they pulled it to find my address??? ABSOLUTELY no reason to pull a HARD inquiry on my credit report without my authorization! I am demanding that all of these unauthorized inquiries be deleted from my credit file immediately! I am demanding that TransUnion do their job and abide by the laws!!
XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX , Ga XXXX Experian XXXXXXXX XXXX XXXX XXXX, TX XXXX I am writing to dispute the following information in my file. ( XXXX XXXX # XXXX ). According to section 609 of the FCRA this item is inaccurate and falsely reported onto my credit file. I am requesting that the item be deleted. 


Again please reinvestigate this matter according to FCRA section 609 and delete the disputed item as soon as possible. 

Sincerely, XXXX XXXX
My mortgage was transferred to XXXX XXXX XXXX XXXX on XX/XX/. Because I was in the process of a bankruptcy when my mortgage was transferred to XXXX XXXX XXXX XXXX, it was automatically sent to their bankruptcy department. I received and signed a reaffirmation agreement with XXXX XXXX XXXX XXXX XX/XX/XXXX that was submitted and approved prior to the discharge of the bankruptcy. The time allotted to rescind the agreement ( 60 days ) ended over a month ago meaning that this reaffirmation is now legal and binding. I was told by my XXXX XXXX XXXX representative, XXXX XXXX, that after the rescind period was complete the account would be released from the bankruptcy department and would also start reporting to the credit bureaus. This has not yet taken place. I have called numerous times over the last month to get this taken care of and my calls go unanswered nor will XXXX XXXX return any of my voicemails. Because this loan was reaffirmed, it has survived the bankruptcy as a valid mortgage and needs to reported as such. Payments to my mortgage company were always made on time prior to, during and after the bankruptcy and should accurately be reporting as such.
Liberty Aquisitions in XXXX XXXX somehow sent a court order to my employer to garnish my wages. Says debtor is XXXX XXXX and XXXX XXXX, Last known address is XXXX XXXX. Judgment entered XXXX XXXX XXXX. My name is XXXX XXXX but there are probably XXXX XXXX XXXX 's in the country. I do n't know who XXXX XXXX is, I have never lived in XXXXXXXX, I moved to XXXX XXXX from XXXX in XXXX XXXX, not XXXX. This is Crazy. How can they garnish my wages because I have the same name?? I called and they said my social does not show up anywhere. I have nothing on my credit report. Have n't been sued, have n't been notified, just a court ordered garnishment. Do n't know what to do. Ca n't believe collection agencies can do this to anyone. it 's just crazy.