WillisBack/dataset-financial-user-claim huggingface dataset:
This complaint is against XXXX, TRANS UNION and XXXX, after review of my credit report, they shows that a delinquent account, the one with XXXX XXXX XXXX. 
This account was hacked and a balance above and beyond my credit limit was permitted by XXXX XXXX. 
In spite of many calls and letter review, XXXX XXXX still reporting delinquency of an account and has not clear it. I disputed this reporting with all 3 credit bureau and they still reporting it. This situation has become a nightmare because i am being deny credit by most company and this is the only thing negative in my report.
I attended XXXX XXXX University in XXXX XXXX, Florida. Went through a divorce and filed bankruptcy due to the new bankruptcy law in XXXX private loan are not discharge unless extremely hardship. After my bankruptcy discharge I contact my federal student loan to make arrangement to pay by income-based which is fine. Couple of months later my private loan lender sender me a notice that my forbearance had ended and send me payment due for XXXX % more than what I was paying my federal student loan which is double amount owed. So I did a request for repayment option on all three of my private student loans it was denied saying that I have used the maximum time allowed. There the existing repayments plan remain in place since then I made a payment each month not what they want but I pay them four time amount of my federal loan amount until last month. It my fault I missed sending payment in for XXXX XXXX. On XXXX/XXXX/XXXX Navient staff and employee XXXX XXXX had snoop to the point of calling my place employment this number is not listed as a contact number. On XXXX/XXXX/XXXX one of my co-workers gave me a message from Navient XXXX XXXX called XXXX ext. XXXX. I called the next day when I received the message. XXXX XXXX was not in yet so I talked to XXXX XXXX and I had verify my credentials and she said all they want is a payment and I told her all I want for you to not call my place of employment. You 're calling my house and cell phone constantly all time of night and weekends now you are harassing me on my job. I told her to take me to court and quit calling my job she said as long as I owed them money the law said they have the right to call my job until I pay. I told her I am going to report them she said she going to put me down as refusal to pay and I hang up the phone. At noon this same day XXXX XXXX called for me and my co-worker transfer me the phone and said I told him I told your guys not to call my job and said I do n't want to hear about I need you verify your information first then he proceed to talk about payment and said I told you I am at work and said then you need to called me and make arrangement to pay. I said he cut me off and said well when are going to called me. I have been paying on these loans it may not be as much as they want but this does not give them the right to call and harass me on my job when I ask them not to call me there. Why these private student loan companies was given special privileges protection during bankruptcy proceeding had went to their deep pockets and they do n't care what methods used to harass us get their money
America First Finance failed to provide an invoice clearly detailing amounts owed with outstanding balance and failed to clearly identify the type of financing applied for in their marketing. On two phone inquiries, following the mattress purchase when no statement or invoice was received, I was verbally informed that my account balance was {$0.00}. The company drafted my bank account every month since purchasing the mattress, yet increased my balance to a default rate. Further, the company at XXXX XXXX - failed to disclose the rental- purchase terms. It was my understanding that I was applying for product purchase financing not a rent to own agreement. 
When no invoice was received and the company from whom U purchased the mattress went out if business, I assumed administrative delays for the lack of loan disclosure. Never could I have imagined that my account could ever go unto default status with regular monthly payments and no provision of a monthly statement of account. This company 's practices are deceptive and fees are at usury rates.
I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please sep up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXXXXXX
On  XXXX  I made a purchase at Best Buy using my Best Buy Credit Card. At the time of purchase I stated to the store rep. to place part of the purchase on my best buy credit card for 24 month  XXXX  interest financing and the remainder on a debit card.     The transaction showed approved for {$1500.00} on the Best Buy Card. I asked and confirm if this was a credit limit increase as my credit limit was {$1500.00} and approximately {$1000.00}. Best Buy Store said yes. The remainder of the purchase was purchased with debit card. I made the purchase. There was no  Truth in Lending  or Fair Credit Reporting act documentation.     After receiving the bill/statement I was shown that I was {$590.00} over my credit limit which decreases  my credit score and  puts me in jeopardy of losing my special financing.     I asked Best Buy Credit Card managed/owned by   Citibank to increase my credit limit to the total balance amount of {$2000.00} and they refused.
This is a violation of my rights under both Truth and Lending and Fair Credit Reporting Act. Please have Best Buy Credit Card managed/owned by Citibank increase the credit limit without application for credit as this was approved without application for credit    increase.
I have been trying to resolve an issue for almost two years with Chase Mortgage, and can not get results. I am currently in Chapter XXXX bankruptcy, and making my payments regularly. We did not include our mortgage as part of our bankruptcy, so with the interest rates going so low we decided to look into refinancing our home. We met with a Chase Mortgage Banker, but he said we are a month behind on our payments. We have never missed a payment, and have records to prove it!. I have called Chase multiple times to try and resolve this issue and all we get is a run around. They never call back as promised, they never mail statements to show where or when we missed a payment, nothing. The Chase Mortgage Banker, admitted that Chase has lost customer payments in the past especially when Chase buys mortgages from other banks, which is what happened in our case. We originally had our Mortgage with MetLife, and did not have any issues until Chase got involved. 

Can you help?
I disputed a charge wit h TD Bank they  still have not reversed it so that the account is overdrawn constantly. They also debit the withdrawals before they deposit the credits to cause the account to be overdrawn. I had deposits totaling over  XXXX  and withdrawals that totaled around   XXXX   yet they still overdrew my account to charge me fees. The deposit was n ot one  that was put on hold it was an immediate credit.   They do this just to increase their charges. They have charged me close to {$5000.00} in fees year to date.   THEY ALSO DEBIT MY ACCOUNT FOR A CHECK IF THERE IS NOT ENOUGH FUNDS. EXAMPLE I HAVE {$100.00} IN THE BANK THEY ARE PRESENTED WITH A CHECK FOR {$1000.00} THEY DEDUCT THE {$1000.00} FROM MY ACCOUNT CAUSING IT TO BE OVERDRAWN $  XXXX  CHECK IS PRESENTED FOR {$45.00} THEY RETURN IT BECAUSE THEY HAVE MY ACCOUNT OVERDRAWN WHEN THEY ARE NOT PAYING THE {$1000.00} DEBIT
Company continuously delays reporting information timely to all 3 credit reporting agencies and/or producing billing statement. Correct information on one report and incorrect information on the others. Current balance, payment history, and date of last payment is incorrect and needs to be updated on all 3 reports consistently. Have filed disputes with 3 bureaus but still shows wrong information.
I had cancelled bottled water service with XXXX. They said they would come by and pick up the water cooler and XXXX remaining empty bottle. They would send me a final bill. 
Within a month i received a collection notice from Collection Bureau Of America for {$340.00}. 
I called them and they said I needed to return the cooler and bottle and then pay the balance. They would not know the balance until I returned the items. I called XXXX to ask what happened and they do not have my information any more and I need to call the Collection company to find out where to return the items. I called the collection company again and they gave me an address but did have a phone number!. 
This is now showing on my credit report as a collection item when XXXX was supposed to pick up the items.
I received 2 emails from FCS Advance Loans, the first email was sent on XX/XX/XXXX and XX/XX/XXXX. The first letter I received on XX/XX/XXXX it was sent to my personal gmail account and in the letter they claimed I owed a debt of {$840.00} and threaten legal action, credit reporting, and garnish wages. After I received this letter I ignored it because I knew I did not apply to this loan and I am not familiar with this company. 

Fast Forward to XX/XX/XXXX, I received another email from the same company claiming that I owed {$840.00} and threatening legal action, credit reporting, and garnish wages. This time I responded to the email stating that I did not apply for this loan and that I did not appreciate the threats. A person name XXXX XXXX respond to my email stating he wants to settle thie balance of {$840.00} or else. 

The first email from FCS INCORP on XX/XX/XXXX ( the file number is XXXX and balance is {$840.00}. The email address is XXXXXXXXXXXX and phone number is XXXX The second email from FCS INCORP ON XX/XX/XXXX the file number is XXXX and amount is {$320.00} Initial Loan and Total Out Standing Balance is {$840.00}. The email address is XXXXXXXXXXXX and person number and phone number is XXXX XXXX XXXX
I was not planning on reporting this- but when I saw my review online, The XXXX XXXX -XXXX- Credit Card had HUNDREDS of horror stories on the website under the 1-star reviews. So I felt obligated to report this card - because at best it is literally useless, at worst, it is fraudulent and costing consumers hundreds of dollars in fees and interest. They should be stopped. 
In my case : They only gave me a {$500.00} credit limit. I make a very comfortable living on my own, and with my husband, we are, well off, making about $ XXXX per year. My credit rating is over 800. My other credit cards have either no limit or a limit of >XXXX ( on which I do not carry a balance ), yet this silly little store credit card only extended me {$500.00} of credit - even though they could see from my XXXX purchase history that I buy that much in one sitting on a regular basis! And, then I can almost never use it for any purchases after the 1st time, because the limit was reached instantly after the first purchase. I immediately set up online payments, but still kept getting denied all purchases 2 days after placing XXXX orders with this card, making all my deliveries LATE!!! Making the use of this credit card impossible before the payment was due / payment credit was recognized. It has literally taken them 30 DAYS to credit my account with direct electronic payments from my XXXX XXXX   account to them. 
In anticipation of future XXXX purchases, I even tried to pay the balance off IN ADVANCE and I tried over paying, the credit card company would debit my bank, show the payment and credit my balance, but NOT CREDIT MY Credit so that when I went to use it, my card would say my balance was XXXX but my available credit was still only $ a few dollars or something. So I could not buy anything that cost more than $ a few dollars! 
Its a total scam. 
Awful and frustrating card. 
I called their customer service line and they were no help. They said after the first month it would get fixed. That it was just until my account and bank account was established??? But its still the same and now some of my XXXX gifts and subscribe and save orders that went on that XXXX Credit Card that set up as my default card were late and useless. 
I also tried and requested a credit line increase and was denied. 
So, buyer beware. 
The link below should go to the Synchrony Bank XXXX XXXX XXXX website comments page. 

https : XXXX
Greetings! I have recently filed a complaint with CFPB, case # XXXX, and have receive a very unclear response. Since the company in question, CITI BANK does not reply to my follow up, not XXXX XXXX XXXX has ever picked up the phone, I am submitting another letter with more precise follow up questions. 

To recap : my XXXX credit card application was denied solely for the reason of my citizenship and/or immigration status. 

XXXX XXXX, please, address the following questions with as much precision as you can to help me fully understand the reason for the inability of your company to continue with the process : 1. In your original letter, you mentioned that " due to the United States laws and regulations pertaining to transactions with or in XXXX ''. QUESTION 1 : what laws and regulations you are referring to? Please, cite names and numbers, if applicable, so I can familiarize with them. NOTE : I have never heard of any such U.S. laws as I presently have and had in the past credit cards with all major banks. QUESTION 2 : if such laws and regulations exist, are other banks exempt from them? 

2. I would like to clarify the actual reason for the denial. To my knowledge, the bank is NOT making transactions WITH XXXX, NOR IN XXXX. I am a private citizen and live in the US for many years, I am a resident of this country and pay taxed as a resident. The back of the letter you sent me explicitly states that ECOA prohibits discrimination based on many factors, including national origin, provided the applicant has the capacity to enter into a binding contract. In my opinion, my credit records do show my capabilities and trustworthiness, unless you can present a reason why you would think otherwise. QUESTION 3 : how come your sole reason for the denial is my citizenship/immigration status? Isn't that a direct violation of the ECOA laws? I say : look at my credit score, not my passport! 

3. I was speaking several times with CITI BANK representatives and have been told repeatedly that CITI does not discriminate, even though in my mind, this is a direct discrimination based on citizenship status. QUESTION 4 : to help me better understand the discriminatory policy, please, provide a hypothetical example, where your company would indeed discriminate someone based on the same factor. 

4. QUESTION 5 : does CITI BANK have a unified policy towards ALL applicants? What I mean is whether any non-US citizen or XXXX XXXX holder is not able to obtain a XXXX credit card? Or Ukrainian citizens are in a specific list, for which CITI BANK does not want to open accounts? 

Thank you.
American Internet Mortgage sent money from my escrow account to an insurance company that I did not approve or have insurance with. They never reached out to me to verify the change in policy but instead just sent a check to a random company. AIM ( american internet mortgage ) told me that I would have to retrieve the money and send it back to them. I found out who the company was that AIM paid and that insurance company informed me they sent the money back to AIM and they cashed the check. I provided AIM with a check number and date that the check was cashed by them. They are refusing to reimburse the money in the escrow account and now I have an escrow shortage for money sent to an insurance company that I did not approve. I gave AIM all this information at the end of XXXX and was told they would open an investigation. I never heard back from them again ... I spoke to them a few weeks ago and they are still saying they can not help but offered to open another investigation. I have left several voicemails over the last two weeks but I am not getting a return call. My escrow account is short by almost {$1400.00} and now my mortgage payment has gone up. At the end of the day, AIM got their money back from the insurance company and they are now taking money from me that I do not owe. They are stealing money from me!
I request validati

on of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ).

The statute of limitation in Texas is 4 years. The original debt is over the statute of limitation for this debt to be collected on.

Texas Surety bond information as required by Sec. 392.101, this creditor is does not hold a surety bond in the state of Texas as required ( see attached ). Per the code, this a violation punishable by {$10000.00} per occurrence. A complaint has been filed with the Texas Attorney Generals office. I request my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note Transunion, Experian, and Equifax are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).

Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards
Please pull the phone records for a conversation that took place approximately XXXX XXXX 2015 between myself and a XXXX  customer service agent. I had received a statement saying I owed a very high payment. My understanding was you do n't have to pay until 6 months after graduation. So I called in because I had graduated only 3 months prior. The representative told me that I was correct and that XXXX starts sending statements nearly right away and I could ignore them until my 6 months grace period was up. After following the directions given to me by the XXXX customer service agent on approximately XXXX XXXX 2015 I waited another 3 months in " grace period '' and it goes by and all of the sudden XXXX XXXX  notifies me that approximately 45 late payments were posted to my credit report. 1 for every sub-loan account on record with XXXX, and for every month, for 3 months in a row totaling to approximately 45 late payments. Even if it was true and I was late I would 've been late paying one payment per month not one separately for every single sub-loan account with XXXX! 45 late payments is malicious and has indescribably made my life a living XXXX. I 've been rejected to buy a house, I ca n't get a decent rate on my car loan, and basically my credit score has been brought down to the XXXX 's solely due to XXXX XXXX customer service giving me misinformation and their false reporting of every single sub account as separate payments when in reality you only make 1 payment not 15 separate payments to separate sub-accounts! I have submitted disputes directly with XXXX 3 times detailing my story and never once have I been able to state my case to a human. I send it in and the system rejects it and then I have appealed it every time as well and the appeals have been rejected too. I have called in and talked to customer service representatives who have confirmed that this has been a problem with many others and they told me to keep submitting more disputes ; which I have to no avail. I have also hired XXXX XXXX which I have been paying {$100.00} a month for, for over 2 years and they have filed many, many disputes with all 3 reporting agencies against these XXXX false reporting s. All of this time, money, and energy has been to no avail. This is ruining my life. I graduated and I got a good career and I have had my XXXX  student loans set to Autopay ( never missed or late ever ) and yet I am be rejected for a home mortgage and can not move forward in life. Please help me consumer financial protection bureau! Please do n't let them just ruin my life!
I disputed this loan in XX/XX/XXXX and again XX/XX/XXXX. I requested documents showing that I signed up for a loan.The program I was in was a free program and for some reason, I received a bill. In my disputed, I asked for some proof and all that was submitted to me was my grade school transcripts. My XX/XX/XXXX dispute all they submitted was a typed out letter from someplace I have never heard of. The school closed while I was attending and this is why I 'm disputing this loan. I would have disputed this loan prior to XX/XX/XXXX but, I did not know I could.
I just began the credit repair process and when pulling my reports Meade & Associates has been reporting to my credit since XX/XX/XXXX. Around XX/XX/XXXX I was contacted by someone from their office asking if the named doctor was ever my physician after identifying what office they were calling from and what it was for I advised I owe nothing to that doctor 's office. If I did, I was not properly notified. My cellphone number has been the same for years I never received a call. As of XX/XX/XXXX I've sent a pay for delete advising I am not claiming this debt as mine but for the sake of my credit I want to pay it off and get rid of the history of this account in its entirety. No response was given. On XX/XX/XXXX I mailed a certified letter requesting validation of this debt. The letter was signed for by initials XXXX on XX/XX/XXXX. I've learned a debt can not continue to be reported or updated to my credit report until it is verified. I did not receive an answer. On XX/XX/XXXX Meade & Associates updated the debt on my credit report again. They refuse to allow me to settle this debt along with refusal to verify this debt.