WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX/2017 I contacted all 3 credit bureaus to dispute inaccurate information reporting on my credit report. I supplied them with the accounts in question and it is now XX/XX/XXXX2017 and I have not heard from Transunion or XXXX at all regarding these matters. Additionally, XXXX 's only response to my dispute was to send me a copy of my credit report with nothing to show the outcome of my disputes in question. This is completely unprofessional and a violations of my rights as consumer. This inaccurate information has kept me from obtaining new credit. Please remove it immediately. I have attached each letter that went out to the credit bureaus to this complaint.
I opened a Citibank citigold account with a promotion code XXXX, which comes with a XXXX Miles. After I fulfilled all of the requirements, Citibank neglected to deposit the XXXX Miles into my XXXX account.
I received correspondence via postal vial to my physical address from Capital One credit card services stating I was approved for a credit card. From here, I filled out the application through capital one 's website and was instantly approved for a credit card with a {$1000.00} limit. The capital one credit card arrived within XXXX business days to my physical address. I activated the credit card and used it to by fuel on my way to dinner, the card worked, at dinner I attempted to pay with the capital one credit card and it came back declined. I called the number on the back of the card and was told by capital one the card was suspended due to suspected fraud, after they asked me a few personal and sensitive questions about my past, information only I would know, I answered all the questions correctly and capital one released the suspension on my account. The credit card worked so I was able to pay for dinner. The next day I was at the grocery store and attempted to use the credit card, it came back declined, again I called the number on the back of the card, answered sensitive questions only I would know and the suspension on my account was once again instantly lifted. A few days later the credit card was again suspended, so I called the number on the back of the card and was told I needed to visit my bank in order to confirm my identity. I went to my bank, XXXX XXXX XXXX, and was told the bank did not offer such a service and after speaking to a branch manager was told this sounded fishy. I contacted capital one and told them my bank did n't provide such a service, capital one requested I visit a XXXX XXXX XXXX branch to confirm my identity. XXXX XXXX XXXX told me the same thing my bank told me, they do not provide such services to confirm ones identity to capital one. Again I called the number on the back of the credit card and was told to visit another banking institution. I declined to continue searching for a bank and was told to fax capital one my birth certificate, social security card and a copy of my utility bills, I decline, feeling uncomfortable to send sensitive information to capital one and also to continue doing business with capital one. I asked capital one if I paid off the credit card balance today if I could cancel the card and they declined saying in order to cancel the credit card I would have to fax capital one a copy of my birth certificate, social security card and utility bills with my current address on them. I continue to make payments on time and have my banking information linked to the capital one website, the payments I make are much higher than the minimum payments and are deducted directly from my checking account. To date, I receive a letter from capital one once a week via us postal mail saying they suspect my account of fraud and have called many times and requested they discontinue sending such correspondence to my physical address. All I wish to do is to pay off the remaining balance and cancel the account, to date, capital one declines my requests.
On XX/XX/XXXX I had noticed that there were fraudulent charges on my bank account which I called Chase to address. I recently moved from XXXX  to XXXX XXXX so I was unable to go into a branch to resolve the issue. The nearest branch was over 150 miles away in XXXX XXXX, and without the funds from my bank account, there was no way for me to get there even if I had the time to take off of work. Furthermore, they refused to have the funds transferred to the account of another bank in my name or make any other reasonable accommodations for my circumstance especially in consideration of the fact that my rent was due on the XXXX of the month. 

After 3 separate calls with Chase they finally put my account on " restricted '' which would close the account in 10 business days. I essentially had to live without access to any of my money for two full weeks. Come the end of the 10 business days, the account was still not yet closed even though the notes of all interactions with chase indicate a closure date of XX/XX/XXXX and mailing of my funds by XX/XX/XXXX. I had to call again to have the closure of the account " expedited '' which isn't the correct term because the date of closure guaranteed to me was already past. As of XX/XX/XXXX, the writing of this, the account is still not closed and no check has been mailed to me. Chase has been extremely unresponsive and I've spent over 15 hours on the phone with them over the past two weeks to be " guaranteed '' different deliverables by different dates only to have them continually pushed back. They have made it ridiculously difficult to simply close my account and all of this is noted in their notes as multiple representatives I've spoken too have read back to me. I have been informed the account will now be closed by XX/XX/XXXX Monday, but even if it is I have been unable to pay my rent or access the funds I need to buy groceries and pay other bills because of the actions, and inaction, by Chase. Simply put, I will never bank with Chase again and they ought to be responsible for any negative financial consequences I've incurred as a result of their inaction.
All Navient does is call all the time demanding money and threatening economic harm if they do n't get it. They wo n't send me the log in info I need to get into their website, they wo n't give me a straight answer to my questions on the phone and they insist on humiliating and harassing me by refusing to get to the point until I answer all sorts of personal questions, as if an identity thief is going to succeed with anything by talking to their collection dept. Please give me another servicer, I am so close to not caring anymore about default because of Navient 's abusive conduct. Please help me.
I acquired a reverse mortgage for my mother in XXXX. She passed away XXXX XXXX, XXXX. I contacted Champion Mortgage about the repayment of the loan. I was told to submit the following documents : 1. Certification of Trust ; 2. Letter of intent to sell the property ; 3. Listing Agreement from the Real Estate company ; 4. a copy of the Death Certificate. I sent the documents on XXXX XXXX, XXXX. On XXXX XXXX I called Champion to ask why I had not received the payoff balance. They said I sent the documents to the wrong address XXXX and not to the XXXX office. The XXXX address was the address I was given. I faxed the documents to XXXX. XXXX XXXX I called Champion to confirm that they had received the documents. They had. I was told I would receive the payoff balance between XXXX XXXX. On XXXX XXXX I was told they needed the complete copy of the Trust. I faxed the complete Trust. On XXXX XXXX I called Champion again and was told that they did not receive the complete Trust because it was the Amended Trust. I explained that the Amended Trust was the valid Trust and the original no longer existed. I called Champion numerous times about this and was told each time that the Trust was incomplete. They also told me that I was not authorized to get the payoff because I was not the borrower. I explained that I was the Trustee of my mother 's estate and that I was the one who obtained the reverse mortgage. I am on the XXXX to the property. My loan officer who originally obtained the reverse mortgage has also been in contact with XXXX XXXX, a manager at Champion. My loan officer sent the Affidavit of Change of Trustee and another copy of the complete Amended Trust. Champion still would not give the payoff balance to the title company. The property is in escrow and closing today, XXXX XXXX, XXXX. 
I wrote to the XXXX and the XXXX. The XXXX has filed a complaint against Champion. Champion has refused to cooperate and has repeatedly denied my request for payoff. The buyers for the property are waiting for the title to clear so they can move into the property. This whole process has been absolutely the most frustrating and disturbing experience of my life. Champion and XXXX XXXX are complicit in conducting illegal behavior that no one should be subjected to.
I finally got the non deniab fact, and proof of it. XXXX XXXX who am complain about sent me the paperwork I needed. Turn out it was a bad check that they are trying to recover for. California has a statue of limitation of two years on checks, and bad checks do n't belong on my credit report. Thank heavens I did my own investigating on this matter.
Ever since my checking account was transferred from XXXX XXXX XXXX to Key Bank I 've had nothing but trouble. 

I admit I have overdrawn my account on numerous occasions and have paid their fees. The issue is Key Bank likes to slip in extra fees. 

This past summer I signed up online with a merchant for a free 30 trial. As is customary the company ran my debit card for a penny. to verify my card was valid. At the time my checking account was a negative balance. The merchant never processed the transaction. However Key Bank posted the transaction for {$.00} and then charged me a {$38.00} NSF fee. 

In XX/XX/XXXX I hadXX/XX/XXXX charge my card {$25.00} on a Sunday. It was a pending transaction on Monday when I deposited the cash to cover the transaction. The following day Key Bank charged me an NSF fee for {$38.00}. I asked the Branch Manager why I was charged a fee and he came up with a very lame excuse that the merchant finalized their transaction prior to me making my deposit. This is an outright lie. Every time my debit card is used as a charge with XX/XX/XXXX it has taken two days to post and clear to my checking account. 

Their latest ploy is to hold my deposits for 5 business days. I have never had an issue with checks that I deposit being returned so why would Key Bank place a hold on my checking account? By limiting my ability to make deposits only provides more fees being earned ( stolen from me ) by Key Bank. I pay bills throughout the month and to know that Key is going to hold my deposits only benefits Key by taking more money from me.
I received a promotional offer ( XXXX ) in XX/XX/XXXX ( XXXX American Advantage miles ) to open a CitiGold account with CitiBank by XXXX/XXXX/XXXX. The account was opened on XXXX/XXXX/XXXX. It was written that certain parameters and criteria had to be met in a certain amount of time in order to receive the promotional offer. Those criteria were met in XX/XX/XXXX. It was my understanding that after 90 days, the miles would post to my XXXX XXXX Advantage account. I began the process of follow-up XX/XX/XXXX, by way of secure message on Citi 's website, then again on the week of XXXX/XXXX/XXXX. On both occasions, the CSR indicated that I had met the requirements pertaining to promotion XXXX and I would receive the miles by the end of 90 days ( XX/XX/XXXX ). On both attempts with CitiBank, they responded that I was ineligible which is a contradiction to what the CSR 's shared with me. To date, those miles have not been credited and I need your help.
Synchrony Financial has locked me out of the account for almost 11 months. I try to access to pay the bill and the system will not recgonize my Correct information. Unable to access to pay the bill they have slapped me with horrendous finance charges. Ive call many times to no avail, files a dispute stating I can not access to pay with no result. Contacted their collection service and tried to explain with no result. No one seems to get the fact that I wanted to pay, I was several months ahead of the no intrest schedule when this happened. I have both audio and video recordings that prove their system is locking me out. No one will acknowledge this fact. I have hired an attorney to try to help me resolve at XXXX per hour.
I took out an installment loan from Avant Credit. I paid all of my payments and thought after the final payment was made that my account was paid in full. Two years have passed since my last payment was made and I pulled my credit to review what was on there and clean up any necessary accounts. I noticed that Avant was still on my credit as an open account and accruing interest. After my final payment was made ( in which they were automatically drafted from my account ), I never heard from Avant again. I reached out to Avant by phone on XXXX XXXX, XXXX and was told there was nothing they could do that I would need to email the dispute department, which I did that same day. On XXXX XXXX, XXXX, I received an email back stating that I had a very minimal balance on my account after the final payment was made because I moved a scheduled payment so that has been accruing interest ... ..since XXXX XXXX, XXXX. I responded once again on XXXX XXXX explaining that I was disputing the fact that I was accruing interest on a balance that I did not know existed and would have known existed had I not pulled my credit report and reached out to them. Today, XXXX XXXX, XXXX, I received an email from Avant again stating the same thing that there was a balance and has continued to accrue interest. I responded and told them once again I did not know there was a balance and since they did not tell me, that is why the balance remained unpaid.
I contacted American Express today to find out why I did not receive the XXXX refer a friend points, as promised by a previous customer service representative. Unfortunately, this was the WORST customer service experience EVER! I initiated the call with XXXX ( Agent ID XXXX ). XXXX was ARGUMENTATIVE, UNPROFESSIONAL, AND XXXX! XXXX REFUSED to allow me to speak with a manager and she REFUSED to provide me with a contact number for the corporate office in the United States. However, she did allow me to speak with her supervisor XXXX ( Agent ID XXXX ). Unfortunately, XXXX 's customer skills are WORST than XXXX 's. Like XXXX, XXXX REFUSED to let me speak with an English-speaking manager in the United States and he REFUSED to issue the XXXX points. However, XXXX did provide me with a fax number and mailing address for AMEX. Why do I need to write a letter? Why ca n't I pick up the phone and speak to someone? I did not have to write a letter to apply for this sorry XXXX credit card! Nonetheless, when I asked to speak with a manager, XXXX transferred me to XXXX ( Agent ID XXXX ). XXXX was EXTREMELY RUDE! She stated there are procedures to follow to get the XXXX points. I told XXXX I followed the procedures to the best of my ability, as they were extremely vague. XXXX continued to TALK OVER ME and REFUSED to help. Therefore, I asked to speak with a manager in the United States. XXXX transferred me to XXXX ( Agent ID XXXX ). XXXX REFUSED to help me. She REFUSED to give the contact information for the regional manager " because they do not take calls. '' Also, XXXX REFUSED to give me a contact number for AMEX Corporate Office. XXXX stated she is in XXXX XXXX, XXXX and she is the highest person that I can speak with. I told XXXX I am going to contact the XXXX and the Consumer Financial Protection Bureau. XXXX stated, " Whatever suits you. ''
I have XXXX filings in my credit for XXXX apartments that I 've never lived in. They are still on my credit report. I have letters explaining these issues. Also, I looked these properties up, they do not exist. Another company took them over and now are a different name. I do n't know what to do at this point. I 'm trying to live at another apartment complex and this is the only thing holding it up. Please tell me what I should do. This is very frustrating. XXXX is from XXXX, XXXX went to this collection agency in XXXX.
Equifax is frustrating the purpose of the XXXX XXXX Initiative and violating publicpolicy because they are refusing to remove a Withdrawn XXXX tax lien from my creditreport. 
Under the XXXX XXXX Initiative, XXXX if consumers pay their liens in full and the XXXXgrants a consumer a " Withdrawal of Filed Notice of Federal Tax Lien After Release '', CreditReporting Agencies are expected to delete the lien from consumer credit reports to provideconsumers with a fresh start. The new public policy was confirmed by all XXXX credit reportingagencies and their trade organization, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to XXXX XXXX, Vice President of Public Affairs for the XXXX, " I'veconfirmed that all three credit reporting agencies remove withdrawn XXXX tax XXXX. '' XXXX XXXX XXXX, XX/XX/2013, I obtained a Withdrawal of Filed Notice of Federal Tax Lien AfterRelease, and submitted the notice to XXXX, XXXX XXXX, and Equifax. See Exhibit A. XXXX and XXXX immediately deleted the federal tax lien from my credit reports. SeeExhibit B. Equifax however ignored the notice, refused to delete the lien, and determined thatthe lien would be reported as released and remain in my credit file for up to XXXX years. SeeExhibit C. 
In sum, Equifax is violating public policy and frustrating the purpose of the XXXX XXXX Initiative by refusing to delete the withdrawn XXXX tax lien from my credit report. Thankyou for taking this matter under consideration. Please let me know if you need additionaldocumentation.
This company has repeatedly attempted over the past 8 years to collect on a debt that is more than ten years old according to there own records and simply harass me when I asked to see proof of the debt. At the time I was certainly sure I had blue cross. I also was the victim of id theft on three credit cards and my social security card along with my id taken from a XXXX in XXXX. 

Nevertheless, I have asked this very aggressive company to provide proof of the debt and the have only threated to call my work if I did not begin to make payments. " My other number ''
I completed the income based repayment plan renewal and received an email confirming the repayment plan was approved on XX/XX/2018. I received an email for the change in terms on XX/XX/2018, stating that my new payment due is {$440.00} per month and that payment schedule replaces all previous schedules for this loan. All emails after XX/XX/2018 have stated payments have been accepted and that amount is my current due amount for the loan. I now have a balance due of {$580.00} due on XX/XX/2018. There was no notification of a change in the monthly payment. This amount includes no additional fees, only principle, and interest. This is the second time Navient has failed to notify me of changes in my monthly payment and sent me a bill for an incorrect value. I have contacted the company about this issue, they just fixed it last time. They need to be held responsible for sending incorrect changes, failing to notify borrowers their bill has changed, and changing the bill to an amount that is different than the agreed terms.
I have an account with  XXXX   XXXX  that was paid and closed in  XXXX . For some reason, they started reporting the account again in  XXXX , even though it was paid off in  XXXX , and the account closed. Both   XXXX   and Experian are still reporting the account. Experian says it will stay on reporting until  XXXX . This account should be gone from my records.
this is like the 15 th time i have had to make a report about this credit reporting agencies, XXXX, XXXX and XXXX i have made police reports, ftc affidavids wrote them called them and they still keep putting this fraudulant info on my reports then they take it off to get it back three months later under a different collection agency name, I HAVE HAD AND STILL HAVE FULL COVERAGE MEDICAL INSURANCE FOR THE PAST 11 YEARS NO DEDUCTABLE! AND THEY KEEP PUTINNG THESE FRAUDULANT ACCOUNTS ON MY REPORT, NOW IT SAYS IT IS FROM 3 MONTHS AGO XXXX XXXX XXXX FROM COMMONWEALTH FINANXXXX XXXX XXXX WHICH IS A TOTAL LIE FOR ONE I MOVED TO XXXX XXXX XXXX 7 MONTHS AGO SO I AM NOT EVEN IN THAT COUNTY XXXX PLUS I HAVE INSURANCE THEY ARE SAYING I OWE XXXX XXXX I ASKED FOR WHAT SINCE I DONT EVEN LIVE IN THAT COUNTY THE CREDITOR CAN NOT TELL ME OR HAS NO SIGNITURE NO NOTHING BUT THEY PUT THIS FRAUD ON MY CREDIT!! I AM GETTING SICK AND TIRED OF THISOH BUT THE CAR I PAID OFF IN FULL NEVER LATE IS NOT PUT ON AS GOOD CREDIT BECAUSE I PAID IT OFF THIS IS SUCH A SCAM PLEASE HELP ME THANK YOU
I received the collection letter without any notice that I owe the debt to dispute and the debt is a charge off from 2009, 8 years old and 1 year past reporting the credit reports and ability to collect.
Questions It states THERE DECISION was based in part on a credit scoring system that was used to evaluate my application the reason where I did not score well compared with other applicants have been determined and are listed below insufficient credit history on file so my question is is it legal or is it fair that they are evaluating or trying to generate score a credit scoring system based on they are comparing me with other applicants in order to create this credit score I do n't think it 's fair that they want to compare mine my personal information or evaluate me if I am up to par and compare that with other applicants and that 's how they determined second question it also States some information used to make this decision was obtained by the credit reporting agency it did not make this credit decision and is unable to provide you with the XXXX reasons of our action
Equifax illegally displaying false information on my report. A medical collection account keep reappearing on my credit report. I have no knowledge of this account and I did not sign a contract nor did I give anyone permission to give out my personal information. My only conclusion is this account may be from a workers comp claim from my employer, which I am not liable for, also all claims and bills for that claim was satisfied by workers compensation. You need to resolve your problems with workers comp and not me.
XXXX XXXX retaliated on XX/XX/XXXX after a complaint had been filed and XXXX  allowed duplicate and triplicate reporting of debt to be placed again on my credit report. Some or most of the debt is NOT even mine. When I complained about the debtor changing account information from individual to joint they added more reports of debt to my credit history. I will never get out from under this mess unless I file bankruptcy which I should n't have to do since the Hospital wrote the debt off in XX/XX/XXXX, XX/XX/XXXX. The debtor XXXX XXXX is pursuing me out of spite and malice.If I could have afforded to pay the XXXX bill I would have, I did n't have insurance or a job when I was hospitalized or my spouse being hospitalized for a Worker 's Comp Claim that XXXX XXXX XXXX XXXX should have paid but did not. Please get this creditor to stop harassing me and ruining my life. I ca n't get a job, I ca n't get a loan, I ca n't do anything to help recover from this mess and most of the mess is not even my debt nor did I receive the services.which are exclusive to ONE persons being hospitalized getting care not joint. I did NOT sign as a guarantor on any of the paper work and the Provider is on a federal venue for indigent care. I qualify for care under that status alone. XXXX has a duty to prevent unlawful entries, duplicated entries and entries which demonstrate the creditor is abusing their power with repeated entries duplicate account numbers or the same account number being entered over a dozen times with different amounts when the aggregate of that account should have been used once.