WillisBack/dataset-financial-user-claim huggingface dataset:
I opened a checking account with Citibank under the impression that I would earn frequent flyer miles as part of a marketing campaign. After completing all the written requirements as explicitly written in Citbank 's terms and receiving further written confirmation that these requirements were complete, Citibank 's representatives are now contending that I am ineligible after all and refuse to award the promised promotional bonus as originally advertised. I fear I have fallen victim to an egregious bait-and-switch marketing trap.
I received a letter from XXXX and XXXX claiming I owe a debt that they never validated nor did Portfolio Recovery Associates. The business is posing as an attorney, yet they have no jurisdiction over me. I want them to leave me alone permanently.
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. 
I am a victim of identity theft and noticed a collection from AD ASTRA RECOVERY. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against AD ASTRA RECOVERY in  regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you
Equifax is violating Section 609 ( a ) ( 1 ) ( A ) Accounts posted on my credit report without verifications of signed consumer contracts. 
UNDER FCRA, unverified accounts must be removed unless copies of verified proof is provided.
I had a personal loan with this company. When I applied for the loan, I opted to purchase the XXXX insurance. In XXXX, I was out on medical leave and made a claim with the XXXX insurance. I submitted the required paperwork from my doctor so that the XXXX insurance company could make the monthly payments until I was discharged from my physician and returned to work. Every few months, I was required to submit an updated physician 's statement in order to keep the claim open and so that the payments would be made to the loan company, which I did. In XX/XX/XXXX, apparently the XXXX  insurance company submitted the monthly payment to the loan company late. The loan company has reported to the credit bureaus a 30-day late payment. When this appeared on my credit reports, I called the loan company and the manager, XXXX, informed me that he would have this removed since the payments were being made by the insurance company and it is beyond my control. XXXX was successful in having this removed from my XXXX  report ; however, it was not removed from my XXXX and XXXX credit reports. I contacted the loan company again and was told that XXXX was no longer employed with the company. I explained the situation to XXXX and she stated that there was nothing they could do and that I should submit a dispute to the credit bureaus in order to have the late payment removed. I have disputed this item multiple times and it is still on my credit reports.
I co-signed for a private education student loan for my nephew in XX/XX/XXXX in the amount of {$9900.00}. I finally was able t re-pay the loan back XXXX ( plus interest ) totaling {$11000.00}. Recently, Navient Solutions XXXX XXXX XXXX XXXX sent me a bill for {$5500.00}. I immediately called Navient customer service to explain and was asked to submit proof to the claim department ( which I did XXXX. Several weeks later I received another invoice, I called again and asked to speak with a supervisor. But without resolve and being placed on hold for long periods of time as well as being transferred from customer service to claims to other supervisors was asked again by Navient to provide a payment history. I asked if they would do the same so I can compare it to what I 've sent over the years but have only been told they 're experiencing technical problems and my payment records are n't available. I 've faxed and mailed check dates, numbers and amounts but still no resolution. Under the Fair Credit Reporting Act, Navient is obligated to provide a detailed summary of all payments received by date and amount. As of today, they have not done so. What is my recourse? How can I get the protection I need to resolve this problem? I am a consumer and stuck in the vortex of a large federal organization who 's common practice is to provide unfair customer service to students, seniors and veterans. The customers services representative and supervisors are deceptive and change their names. I know I spoke to the same reps several times but they swear its not so ... What are my next steps? The more I call Navient, the more excuses I receive ... .If this is happening to me I know others experiencing the same frustrations. Navient is located at XXXX XXXX XXXX, XXXX PA XXXX. XXXX.
I applied for an XXXX credit card on their website since we were purchasing kitchen cabinets from XXXX in the near future. I was approved for the account on XX/XX/2018, and received the card a week later. There was a bonus in that if you spent {$500.00} at non-XXXX stores in the first 3 months you get an XXXX {$25.00} gift certificate. So, we were using the card for various purchases and we received the first bill on XX/XX/2018 for {$33.00} which was promptly paid off. We kept using the XXXX visa card for everyday purchases until I was at XXXX supermarket and tried to use the card, and was denied approval. This was embarrassing and thus we used an alternate card for payment. Since I have a credit score as of late XXXX of XXXX and haven't missed any payments in the last 30 years or so I was baffled why the card was denied. I called the XXXX card issuer ( XXXX XXXX ) on XX/XX/2018 to inquire why my card was declined at the point of sale since I thought my credit was impeccable. The rep, XXXX stated the reason why my account was closed as there were " Number of recent credit inquiries on your credit report '' A week later I finally received the closing account notices from XXXX XXXX. What does that mean especially for someone who has a credit score like I did? I also looked at my credit report online and found that there were only 3 recent inquiries and " ALL '' of them from XXXX XXXX. How can Credit Card issuers like XXXX XXXX  treat consumers like this? Isn't this anti-competitive in that I now will do business somewhere else and I know that there are credit issuers that will want my business. Who are they trying to protect, themselves from good customers? What is more upsetting to me is that XXXX stated the XXXX XXXX had the right to close the account as well as another XXXX project card due to the fine print that was in the credit card agreement. I read it and I have a college degree and it was hard for me to understand. If I decided to sue the agreement states that I could not sue but that I had to use the arbitration system for all disputes.
My husband and i bought a car through XXXX XXXX and they went out of business. They sold the debt to another agency.Did have my permission to sell it. The abutration said that it cant be sold without my consent. Then that company sold the loan to a collection company. This debt is going from hand to hand.So from XXXX   XXXX to XXXX, to XXXX to some collection company. This has no rights to due business like this. Just keep passing all my information alone leaving it in anybody hands. I didnt know nothing about XXXX when they transferred. I did business with one company not 4.Violation of all our information
Despite me having clear communication with them on my financial situation I am being called at least twice a day daily by navient student loans. I 've advised them that I feel harassed and that my financial situation will not change within 24 hours and they tell me until I pay them their money they will keep calling me as much as they want
I received a letter from a credit card co. that my account was closed because it was past due, but I was unaware of a balance because they stopped sending a statement, and they did n't send an e-mail notification either. I paid the outstanding balance, which included {$99.00} in fees plus interest, because I thought it may have been my error, but after researching the matter realized it was n't. now they say because the account is closed and the balance has been paid off they ca n't refundthose fees. I have always up to that point paid my bills on time. This has had an impact on my credit rating.
Ally Bank closed my   XXXX   and  XXXX  account on   XXXX   XXXX   against my wishes. They claimed my address was not a physical address and cited the PATRIOT ACT as the reason they had to close my account.      But I have a physical address on file with Ally and always have. At best, this was caused by a mistake in their physical address database. They refuse to acknowledge their error or re-open my account.     Although they eventually returned my funds, I suffered over {$200.00} in fees and penalties by having nearly {$8000.00} suddenly withdrawn from my account ( a day before I pay most of my bills  )  and distilled to a check that was not returned to me for several weeks.
I am going through XXXX XXXX I have consolidated and personal finance is one of my creditors that we have consolidated and XXXX from personal finance keeps calling me at work threating me that he do n't work with this company and they are going to garnish my wages. I am dealing with a guy named XXXX and he told me that yes they do work with personal finance. How do I get personal finance to stop calling me at work? The number for personal finance is XXXX. This bill was getting paid until I consolidated it. Please help me .. Thanks again XXXX XXXX my number is XXXX
Chase bank has closed my account and did not tell me they were closing it until i saw on my chase app that it was suspended when trying to log in. This is unfair and I am a customer that uses this bank to make all of my payments. There was fraud on my account that happened and some of the money was given back and some were not because my card was taken from me and I did not know that it was. I talked to the bank multiple times and they said there was nothing they could do on their end because I stated that my card wasnt in my possession but I do not use my card everyday to know when it is. This is completely ridiculous and unfair. Ive banked with chase for years now and this has never happened to me. I need to bank with them because my family uses this bank as well so its the most convenient for me. Completely ridiculous. I can not believe this.
I started a dispute online with transunion on XX/XX/XXXXand today XX/XX/XXXX still open status with no update status Ive ask them to look into some facts that where to me not right. 

Some balances that are there that should not be there
I would like this charge removed from my credit reports because it has been changed over from XXXX XXXX to XXXX to XXXX XXXX XXXX. This is hurting my credit report as I am trying to purchase a home. 

I am currently paying the same account with XXXX XXXX XXXX. I would like to have XXXX XXXX / XXXX removed from my credit reports from XXXX, XXXX, TransUnion and XXXX. 
I would like to have XXXX removed from all reporting agencies : XXXX, XXXX, Transunion and XXXX. 
I would like to have XXXX removed from all reporting agencies ; XXXX, XXXX, Transunion and XXXX.
BBVA Compass bank incorrectly reassessed my escrow account basing my estimated taxes on the previous year ( which was a partial year of taxes since I had just moved into the home ). They did this same thing with my brother who has a mortgage with BBVA Compass. When this happened to my brother I went into my local branch and specifically asked them if my escrow account would be funded correctly. They reassured me that my escrow account was accurate for my taxes and insurance payment. A year later now and I received a statement showing a deficit in my escrow account and stating that my mortgage payment would increase by about {$400.00} a month. I explained to them this is unacceptable and that I do n't have an extra {$400.00} a month laying around. They basically stated that their was nothing they could do even though they were at fault for not calculating the correct amount of estimated taxes by looking at the published tax rates for the county/city.
Received a bill from  XXXX    XXXX   of {$900.00} in  XXXX . Called and sipited online ( see email attachments ) The next thing I know I received a letter from  Carter business service a debt collector with a different amount of {$1900.00} ( a mount I was never aware  of ) d ated  XXXX / XXXX / 2017 . Sent a debt validation on  XXXX 17 got a replied  XXXX  and my credit report was hit with the collection within the 30 days thus violating my Fair Debt Collec tion Practice Act.    It has been reported to the bureau within the 30 days.   See attached I am filing a complaint re : wrong amount and violation of my rights.
TD Bank accepted and processed my Additional Principal payment of {$5000.00} immediately on Monday, XXXX XXXX, 2016. The money was withdrawn from my account instantaneously. The payment still had not been recorded as of Monday, XXXX XXXX, 2016, after fourteen ( 14 ) days. When inquiring about the status of the payment at my local bank branch both the Branch Manager and Customer Service representative learned that the exact location of the {$5000.00} is unknown. I have no complaints and in fact compliment both the Manager and Customer Service Rep at my local branch because they did all they could but even after an hour there was no resolution. They promised to pick up the trail today. 

The loan department indicated that this is an ongoing problem at TD Bank mortgage division for IT reasons and that I should " call them '' in advance of making an extra payment - presumably so they can " look out '' for the transfer of funds so they do n't get " lost ''. This has happened to me before but the last time the money was " found '' after three ( 3 ) days. 

So I, as a consumer am being forced to give TD Bank an interest-free loan of {$5000.00} while my regular mortgage accrues an additional 14 days of interest. I view this as a tactic to discourage consumers from pre-paying the loan which is allowed under the terms of my mortgage. In addition, I am becoming seriously concerned about the solvency of TD Bank when they are hiding money for two weeks. If I did n't complain would the payment ever be recorded properly???
This collection agency knowingly reports incorrect the " Date of 1st Delinquency '' of an account that the collector acquired. 
The original creditor was XXXX XXXX. According to the original creditor the " Date of 1st Delinquency '' was XX/XX/XXXX. Therefore the account is not supposed to be on my credit report any longer. 
The original creditor does n't report this account due to age to any of the credit reporting agencies ( CRAs ). 
This collector in fact RE-AGED the account. 
I have disputed the information pertaining to this collection account with all XXXX CRAs. I have disputed " Date of 1st Delinquency ''. Only XXXX " verified '' the information pertaining to this collection account. Other XXXX CRAs promptly removed this account. 
I have multiple full credit reports ( in electronic format ) from all XXXX CRAs that I received between XX/XX/XXXX and XX/XX/XXXX. These reports conveniently show all information pertaining to this XXXX XXXX account. Reports say : " This account is scheduled to continue on record until XX/XX/XXXX '', " Date of 1st Delinquency XX/XX/XXXX '', " Estimated month and year that this item will be removed:XX/XX/XXXX ''. 
" Payment history '' on the reports clearly shows that the account was 30 days past due as of XX/XX/XXXX. 
Again, I have disputed with the CRAs but the collector " verified '' to XXXX. This collection agency knowingly reports false information, which violates FCRA.
I am a XXXX XXXX XXXX and have been for the last 17 years. In XXXX I was told my employment qualified me for the Public Service Loan Forgiveness ( PSLF ) program as long as I made the " 120 qualifying payments '' on my Direct Loan. Accordingly, I submitted the necessary employment certification and applied for the loan forgiveness. I was informed that the program would only apply to payments dating back to XXXX. ( I 've been paying my student loans since XXXX ). My loan was transferred to FedLoan Servicing and I continued to make my monthly loan payments. I called last year to in XXXX to check on the status of the program, but was informed that my loan " type '' did not qualify for the loan forgiveness. This was the first I 'd heard of this, but learned that I had to be in a " income driven '' repayment plan to qualify for the PSLF. This was never mentioned in the materials I initially received. Nonetheless, I requested that FedLoan transfer my loan to the type of program that would qualify for forgiveness. Last month my loan was transferred into an income driven plan. To my shock and surprise, when I called to check on the status of my PSLF I was told that my loan would not be forgiven since it had not been in the " right '' plan for 120 payments. Moreover, I was also shocked to learn that my monthly payments had been increased from {$800.00} per month to {$2000.00} per month! I believe that FedLoan is engaging in fraud and deceptive practices. I was tricked into applying for a loan forgiveness program and my monthly payments have more than doubled.
What in the world is happening here that my concern was not attended by Equifax!! I am exhausted sending letters and did not get anything from them!! Not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX  XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, and Chapter XXXX Bankruptcy Discharged XXXX
On XX/XX/2018, I sent XXXX XXXX XXXX a certified letter with return receipt asking them to validate a debt they had listed on my credit report. They received it on XX/XX/2018 and never responded within the 30 day time limit. To this day, they have not validated the debt by sending me documenation showing that the debt is mine and they continue to report negative information on my credit report.
I have disputed a collection on my report from XXXX XXXX XXXX XXXX who claims they are collecting on behalf of XXXX. Account number that shows is XXXX. Equifax refuses to remove this incorrect collection from my report. I am including proof I do not owe money for this. As you can see I have a {$0.00} balance with XXXX because student loans paid for this.
My credit reports at TransUnion, XXXX  and others are showing that XXXX XXXX has reported 2 credit card accounts in my name. I filed Disputes with both using their on-line form, stating that I have no knowledge of any such accounts. They have both responded that they investigated and that the reported information was verified by the reporting entity. Their investigation did not request nor does it require any providing of any sort of proof, but relies solely on the word of the reporting entity. 

This lack of a need of proof leaves the consumer vulnerable to fraudulent reporting and to being charged higher charges for bad credit when these reporting agencies are allowed to report as they please, with no oversight or consequences.
Summary - This complaint is regarding Bank of America home mortgage online pre-qualification request as being intentionally misleading. 

Background - I applied for a pre-approval on BOFA website on XX/XX/2018 with following details - 1. Loan amount of $ XXXX 2. Down Payment of $ XXXX ( ~7 % of loan ) 3. Zip Code XXXX 4. Co-applicant with me and wife.

5. Primary Residence 6. Score estimated - 700-739 ( My email ID is the PDF for you to be able to identify my specific request. I spoke with XXXX as my loan officer ) In response on online application, Bofa website indicated below details for me - " Your APR for a {$590000.00} loan could be as low as 4.059 % ''. The loan estimate also clearly states - " This rate and pricing information is based on your credit scores and assumes you're making a {$45000.00} down payment and using your loan to purchase a {$640000.00} townhouse ( single unit ) in the XXXX area to be used for primary residence. '' See attachment for the details. 

The loan officer then called me and i only agreed to proceed because i was expecting to be qualified around the low interest rates they indicated and the down payment of ~7 % as i indicated in the questionnaire. The loan officer ran a hard credit check and confirmed that he can only pre-approve me of $ XXXX with a down payment of $ XXXX. In our conversation, he did confirm that the loan pre-qualification was based on the low down-payment amount and not credit history. The loan officer also mentioned that there were other attributes in play, but would not confirm what they were and how they differed from questions I answered online. 

I would not have asked for a hard credit check and hurt my score if the website would not have mislead me into believing i would be approved on for a higher loan limit with less than a 10 % down payment.
Today I was at work when I was interrupted by my Supervisor around XXXX and was notified that Security needed to see me. My supervisor escorted me to Security and I was handed some paperwork. The man appeared to have a badge on his blue shirt that read " Constable ''. I was told by the man who had the badge that I was being served for a credit card but that it was n't a big deal and that I had 20 days to respond. He was explaining to me that I was being sued for a credit card but he did n't ask me to sign anything and I did n't end up sign anything at all which I thought was odd. After taking a look at my credit report, I noticed that this debt was from XX/XX/XXXX and the last time I had made a payment was XX/XX/XXXX. According to Nevada law I know that they only have 4 years to sue me which would have been XX/XX/XXXX and I know that they can not come to my place of employment. They have violated my consumer rights by trying to sue me now in XX/XX/XXXX and coming to my place of employment. I am also not sure if the person was really a law enforcement official or not I 'm still trying to figure that out.
my phone was stolen by a FORMER friend, who used my identity.I WAS TOTALLY UNAWARE OF THIS COLLECTION UNTIL I TRIED TO GET A CAR THIS MONTH.
XXXX has put a false collection report against my credit. They are saying that I owe them {$690.00} for equipment that was not returned. When I cancelled our service with XXXX I took the equipment we had ( boosters to help with the cell signal in our home ) to a XXXX store for them to send to their warehouse for return. I received a bill from XXXX after this and explained that I had returned the items to the store. XXXX claims they never got them. I contacted the store 3 times and the manager assured me that the items had been returned. The first time they were sent to the wrong warehouse but they were tracked down by the shipping tracking number that the store had. The manager said it would take XXXX takes to get this updated. I tried to explain this repeatedly to the collection agents that called me but they were rude and just wanted money that I do not owe them. I have a voice mail from the manager of the XXXX store stating that these items were returned as requested. I do not owe this money to XXXX and from researching complaints online, there are thousands of other people that are experiencing the same thing with XXXX. They should not be allowed to get away with this type of scam. This is the second time that XXXX has put this on my credit report. I disputed it the first time and it was removed and then they gave the claim to another collection agency and the phone calls and harassment started all over. This is just plain wrong!