WillisBack/dataset-financial-user-claim huggingface dataset:
I contacted the company via phone on XX/XX/XXXX 2015 requesting assistance with my account as I am past due, over credit limit, and was shocked to learn that I was unknowingly signed up for a promotion that has led me to be over the original limit of {$1800.00} due to the promotion expiring and me being charged, according to the representative, 42 % interest on the unpaid promotion amount an entire year equaling around {$630.00}. This has left me with a balance due of more than {$2500.00}. Additionally, the representative informed me that I have an additional promotion ( that I have no idea how I signed up for ) that is set to expire in XXXX 2015 which will drive this {$1800.00} debt to close to if not more than {$3000.00}. After speaking with a financial representative for over XXXX minutes he advised me that I " did not qualify '' for assistance at this time and to try back later, despite being nearly XXXX days behing. I got no answers on how to take care of the unknown promotional purchase and no one assisted futher. After reviewing my finances I sent Synchrony Bank a repayment proposal and requested that my account be closed. In that letter I included the XXXX payment as proposed in the repayment proposal and this payment was cashed on XXXX XXXX 2015 via electronic draft. I recieved a call on XXXX XXXX 2015 from XXXX stating that they were collection agency assigned to my Synchrony account. The account supervisor informed me that there was no record of a repayment letter included with the payment, and that my account had not been closed. She had no details as to how the company got the check that was enclosed in the letter, but did not receive the letter. The rep closed my account and took some details of what was enclosed in the letter so that she may relay that information to Synchrony Bank. She could not help me with the issue of promotional purchases because she said she did not have access. I tried to call Synchrony Bank directly, but as they have sent my account to collections I am automatically forwarded to the collection agency who can not help me resolve the many issues I am having. I am not denying that I owe what I borrowed but I DID NOT sign up for a promotion and definitely did not sign on to pay nearly XXXX times the amount I borrowed.
On XX/XX/2017, a charge in the amount of {$350.00}, from XXXX on my Citibank credit card account ending # XXXX, which I immediately disputed a fraudulent, no services rendered. Citibank issued a conditional credit in the amount of {$350.00}, and stated the charge would be investigated. XXXX 2017, Citibank recharged my account {$350.00}, and said XXXX said the charges were for a hotel and the consumer never disputed said charge directly with XXXX. I again reached out to Citibank and disputed the charge asked for a copy of an itemized receipt showing how the charges were calculated and proof of signature and identification. To date Citibank has refused to provide copies of receipts or validated said charge with identification. Citibank requested additional documentation which I emailed the following : 1 ) Copy of a letter to XXXX CEO disputing said charges and requesting itemized receipt. 2 ) Copy of email from XXXX refusing to provide a copy of itemized receipt. 3 ) Copy of letters to state officials charging XXXX with deceptive fraudulent billing. Citibank asked me to complete and sign an additional form and return with the above mention support documentation and said a credit would post within 7 to 10 business days. When the credit did not appear and I reached out to Citibank claimed XXXX provided a copy of a bill and said charges were made online, but could not prove how, provide IP address or copies of receipts. Instructed me to dispute as fraudulent and close get a new card which I did prior to completing Citibank form and sending support documentation. <P/>Citibank is engaging in deceptive business practices and in conjunction with XXXX defrauding consumer to make monies off the consumers account balances and finance charges. Although I provided proof and disputed said charge Citibank accept no proof from XXXX to keep said charge on my account.
An overdraft activity was happened because of the death of my family relative and his burial help. I called Bank of America ( BOA ) branch as well as internal recovery services, XXXX XXXX XXXX, TX XXXX about the issue and financial difficulty and request for corporation and help and after I paid full and my balance was {$0.00}. So, I received a letter for {$0.00} from BOA. Instead to receive money full they put negative remarks and comments in the XXXX. I requested them that they need to remove false/wrong/unjustified statement after they received full payment and the balance is {$0.00}. They need to fix the XXXX and make a correction in the account system that they already receive full payment. It is indicating that complete fraud and harassment attitude from the Bank od America. Please take a necessary action to safe my credit which is damaging form BOA blackmailing and poor services.
On XXXX XXXX, 2016 I made a wire transfer from my XXXX account to an XXXX XXXX XXXX named XXXX. On the same day, I received a Wire Transfer and Receipt and a Confirmation number. The next morning, with no explanation given, I received an e-mail notifying me that " Your Wire Transfer transaction has been canceled ''. Moreover, I have ben denied access to my online accounts and the use of my debit card. It seems that I have become a security risk!!! I spent hours upon hours on numerous phone calls, but the bank insists that I present myself in person at a Wells Fargo branch, a thing I can not do since I reside in XXXX. I am forced to take loans in XXXX to pay debts, while my money in XXXX bank accounts is unreachable. I am XXXX years old and can not bare the stain. 
The above is unheard of and simply outrageous.
On Friday XXXX XXXX XXXX we had signed our closing papers with XXXX XXXX. On the papers, it said that they providing us with an interest rate that is 2.5 % BETTER than our current one, which is FALSE. And they are charging us {$3400.00} for it. They rate with them is actually MORE than the one we currently have. The man from the closing company told us just to sign these and let them know and they will edit the information, and probably just cut us a check for the difference. It would be fine because we have 3 days to back out. So we continued to sign the rest of the papers, and now NOBODY will get back to us from XXXX XXXX. I am getting VERY nervous and frustrated.
this was paid off and closed XXXX  is reporting incorrectly on aall my bureaus
I opened a XXXX XXXX account, XXXX XXXX and a XXXX XXXX account only for {$250.00} and {$300.00} limits, I only used the cards once and I paid the balance off. In the mean time I had them calling me saying I still owe money and that I actually have two accounts with them for incorrect limits of {$400.00} and {$800.00} then they gave me an incorrect address other than mine on file and were very confused when I explained to them what happened they in fact added accounts or someone submitted a fraudulent account/s in my name because I did not open those accounts and I paid my cards off I am so confused and frustrated I've called these company 's over and over again and even when hurricane Irma effected us we were unable to pay off our credit cards because we were directly hit and they all told us it was too late to file so we are swallowed in debt by companies who do not treat us fairly and we have XXXX children my husband is a veteran and we will be XXXX  in 6 weeks because our credit score is effected dramatically and we can't buy a hous or even rent
Johnson mark LLC took money out my checking account on my bank statement says legal order Johnson mark LLC XXXX they the amount of {$340.00}. I never had any notification that they sued me or that they were going to take money out of my account.
I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone pass the 30 day mark and can not verify these accounts, unde r Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Sent first certified letter XX/XX/XXXX explanation of a formal dispute requesting inaccurate information on my credit report showing that I was late 30 days or more late on my car payments in XX/XX/XXXX, XX/XX/XXXX. West lake financial received first certified letter on XX/XX/XXXX, they failed to provide me  with any requesting documentation that I was late on my payments, however after 30 days time frame nor did they acknowledge my dispute my placing a remark on my credit report in disputing this matter. 
I again, followed up with the second certified letter 31 days after sending the first letter, and yet again they failed to acknowledge any of my correspondence about this late payments, requesting documentation. I patiently waited until the 30 day expiration date and they failed to acknowledge my certified letters once again. 

Third attempt, was also unsuccessful.
On XX/XX/2018, a credit inquiry was initiated, but not by me. I contacted Synchrony as advised by XXXX XXXX, but Synchrony could not provide information regarding the account as they are claiming it was not reported by them. I contacted XXXX and their response was to obtain a statement from Synchrony, stating that I did not initiate the request. I received paperwork to submit to Synchrony to dispute the inquiry and they denied my request to remove the inquiry ... again because it's somehow not their account but has their name on it. The specific inquiry has something to do with " XXXX XXXX. '' They recommended I contact XXXX XXXX since its supposedly a known issue that had reached resolve, so I did, and XXXX XXXX suggested I contact XXXX. At this point, I'm being ran in circles and receiving no helpful information from any of the entities involved.
My identity was stolen twice during the past few years. I have opted out of receiving any pre-Approved solicitations for credit. Chase continues to send me solicitations that included pre printed checks that can easily taken from my mail box. 

I spoke with Chase today and asked them to stop sending me these solicitations, especially the ones with pre printed checks with a credit limit of {$15000.00}. I was transferred five times and each department said they had to transfer me to another department. 

On the last transfer, I asked to speak with manager. XXXX came on the line and said she would have to transfer me for the sixth time. During the 35 minutes on hold, I was able to find the cfpb site and fill out this form. XXXX refused to give me contact information so the cfpb can follow up with her. 

I have also repeatedly asked them to stop calling me to offer their promotional vacations and they have continued to call me for the past five years. 

I have formally opted out of all solicitations and Chase continues to send them. Please have Chase and their affiliates remove me from all solicitations. Thank you. 

Best regards, XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX Va XXXX dob XX/XX/62 SS # XXXX Experian will not delete or correct the account for XXXX XXXX on my report I closed the account and I was never late and it showed late after I closed the account because of the billing date. this has been corrected by XXXX  and XXXX  but Experian will not the simple mistake. if they read the last payment date it will show it a mount before the close date and the late payment date. simple math!!!!!! if fact them had to send me a check for the over payment after the account was closed. 

Fix : correct the late payment if this is too hard!!!! simply delete the account
Kohl 's Departme nt Stores co ntinually calls both my cell phone and my home phone to collect a debt that is not even mine. The debt belongs to my granddaughter and I have no idea where she is or how to contact her. I have asked them to stop calling me on  3 diff erent occasions. On the last call I spoke to a supervisor who said it would be taken care of. Yesterday I received yet another call from Kohl 's on my cell phone. If I do n't pick up, they hang up and call right back. Please make this stop!
XXXX recently ( XXXX XXXX 2015 ) re-opened ( once again ) a previously closed account on my credit report which dropped my score by XXXX points. I am in the process of being a first time home owner and this has almost killed that possibility. This account was not only closed but should have been updated as settled. I have been going back and forth with this company ... to include a 30 day late that they added to a CLOSED account. Please review the previous cases with them as well as my supporting documentation of payment. Thank you
XXXX has been notified in writing more than once about incorrect information. They have also been sent a police report showing identity theft in XXXX even tho I have had identity theft as well in XXXX. Notorized letters and proof have been submitted and they respond with the information has been verified when the world knows they do not investigate anything. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX again with different address XXXX mortgage services Known have any dates posted My life has been effected by dishonest pratice of the credit bereaus. This will be my third time sending in endless docs to clear up the mess but I need a outside source to hear and view the corruption of the credit bereaus
In XXXX 2014 I entered into a settlement agreement with Vital Recovery. The terms included making XXXX of the past due balance and the account will be settled. Terms also included removing past negative marks and tradelines on my credit report. XXXX XXXX has completely removed the prior payment history on XXXX however they have not honored the agreement to remove the tradeline from XXXX, XXXX and XXXX. It 's been a year and I would like the credit reports updated immediately per the settlement.
I was contacted via mail by Enhanced Recovery Company pertaining to a debt from XXXX XXXX that they acquired on XXXX XXXX, XXXX. I checked my credit report and noticed that this was also added to my credit report. I decided to reach out to this debt collection company and told them that this debt did not belong to me and I did not reside at this residency during the time that this XXXX account was activated. Also, I neither authorized anyone to open an account under my name nor did I call XXXX to open an account on the behalf of anyone. Someone unlawfully opened an account under my name and this went without notice for a long time. According to them, this account was opened on XXXX XXXX, XXXX at the address.
On XXXX XXXX, XXXX, I had XXXX XXXX at the Wisconsin XXXX XXXX on my XXXX XXXX. Since I was XXXX XXXX XXXX at the time the XXXX was scheduled, I did not sign any contracts or agreements pertaining to the XXXX. I am currently XXXX XXXX XXXX. 

On XXXX XXXX, XXXX, a bill was received from Wisconsin XXXX XXXX for the aforesaid debt in my name only. My mother immediately contacted the Wisconsin XXXX XXXX and informed them that the invoice was incorrectly put in my name ; as she explained I am a minor. My mother explained that my father is legally responsible for the bill due to the martial settlement agreement from their divorce. She provided the employee with my fathers name, address, and social security number. The employee agreed that putting the invoice in my name was an error and indicated he would email XXXX, and request that the bill be fixed and put my father as the responsible party and have the bill sent to him. 

On XXXX/XXXX/XXXX, another bill for the aforesaid debt came in my name. My mother again called and again spoke to XXXX. XXXX confirmed the prior conversation and said he will send another email to XXXX to have the bill put in my father 's name and put him as the responsible party. A few minutes later, XXXX contacted my mother and left a voicemail message that the bill/invoice was fixed and my father was listed as the sole responsible party. My mother contacted my father and he admitted he is responsible for paying the medical bill and indicated he would set up a payment plan once he received the invoice from WI XXXX XXXX. A month or so later, my father indicated he had gotten the invoice. 

I have received no further correspondence from anyone regarding this debt until I received a debt collection letter from RSI enterprises dated XXXX ( that was not received until XXXX/XXXX/XXXX ) indicating I am responsible for the debt. 

I attempted to call RSI numerous times but they only have a voicemail and require you to leave a message to call them back. Since I do not want them harassing me about a debt that is not mine, I did not leave my contact number nor a message. 

On XXXX XXXX, XXXX, I sent RSI a certified letter notifying them that I am XXXX XXXX XXXX and that my father is responsible for the debt and provided my father 's name, address, social security number. I also requested proof that I am liable for the debt. 

At this point, I am seriously concerned that WI XXXX Center and/or RSI have unlawfully damaged my credit, by erroneously putting the debt in my name instead of my father 's name. 

I have attached copies of the XXXX invoices received from WI XXXX XXXX, the letter from RSI enterprises,  and the letter I sent to WI XXXX Center. 

I am requesting that CFPB not provide either company with my email address or telephone number or the email address and telephone number of my mother ( who I have given permission to have access to the status of this complaint )
MY COMPLAINT IS WITH NAVIENT. NAVIENT FORCED ME INTO FORBERANCE AN CONTINUED TO REPORT NEGATIVE REMARKS ON MY CREDIT REPORT CAUSING MY SCORE TO DROP.NAVIENT ALSO ADDED UNIDENTIFIED FEES TO MY FEDERAL LOANS THAT MADE IT EVEN HARDER TO PAY.. I WANT STUDENT LOANS REMOVED IMMEDIATLY OR CORRECTED
Bank of America is still reporting that I am delinquent with them when they no longer own the debt and sold it to another company. I have no account or contract with them but they are still reporting. I have asked for verification numerous times in writing to get none.
I began my dispute with XXXX XXXX XXXX, XXXX XXXX XXXX and NCB Management Services in  XX/XX/17. I disputed these items because I don't feel that they are being reported in compliance with FACTA, the Fair Credit Reporting Act and the Fair Debt Collection Practices Act.
There are 11 inquiries showing on my Equifax and 20 on XXXX  that I did not authorize. I am a victim of data breach, identity theft and have requested these inquiries be removed from Equifax/XXXX  and have had no success.Both Reports show 8 XXXX  accounts student loans that are discharged and very old accounts showing derogatory and 1 ACS XXXX   XXXX XXXX, the credit company just keeps updating the date so it remains on my credit repirt. Account for XXXX XXXX account Balance {$4500.00} showing negative and as Authorized user when I never signed any documents or aware of this account. XXXX XXXX as well is Fraud. I have requested over the phone removal of these items and they are very aware of my Police report as well as the discharge of my student loans. The loans are incorrect information showing. Please have them removed from both reports immediately as this is not the first time I have to go through CFPB.
We tried to purchase a stove on our Lowe 's credit card. Lowe 's called to say the item was not in stock and they would not be charging our credit card. We tried to purchase a second stove and the same thing happened. When we tried a third time we were declined because the XXXX previous stoves had been put on our credit card. We tried contacting the company and the gentleman we spoke with could not understand that our credit was being utilized by a total of XXXX stoves we were unable to purchase and were told we would not be charged for. We tried for over an hour to cancel the stoves to free up our credit. After not getting anywhere we hung up. About five days after trying to clear our credit card we received a letter stating we had asked to close our Lowe 's credit card account. We had NOT asked to close the account. We called Lowe 's to find out why the account was closed They stated we closed it We asked for the recording of us agreeing to close our account. They said the person who has the recording was on vacation. We have called back and have not received a response from Lowe 's.
Before my loans went into repayment once I graduated from grad school, I chose to consolidate. My loans were transferred to FedLoan Servicing. I have previously had loans consolidated with XXXX and have only had good experiences. I currently pay my student loans from my previous degree through XXXX 's direct debit system, with the same bank I am attempting to use with FedLoan. They have repeatedly approved my application for direct debit, then told me I had insufficient funds ( I do not ). I have had issues with them telling me my routing number is wrong, I change it to the one they tell me, then it 's still not going through. It seems that they are deliberately complicating the process of direct debit so that the interest rates do not have to be dropped the tiny portion of a percent. Every time I use my banking information to make a phone payment, that MAGICALLY goes through. I have been calling them at LEAST monthly to correct this issue since XX/XX/XXXX and it is now XX/XX/XXXX. I have launched my second complaint with the ombudsman and requested that I have my account transferred to another provider, hopefully XXXX, because clearly this is a predatory lender.
I had weather related damage to my house. I filed an insurance claim and received a check from the insurance company payable to myself, my wife and the mortgage company. I endorsed the insurance check and sent it to the mortgage company. Had part of the repairs completed by one contractor, the rest will be completed by a second contractor. The mortgage company is requiring I hire one of their inspectors to validate the work is completed on the first part before they will release the funds. They have advised me I must hire their inspector on the second part to inspect at approximately XXXX % and again when the is is at least XXXX % complete. Each inspection is a cost they will reduce my repayment by. The cost for each inspection is only {$37.00}
Hi, I was expected to receive a refund on the XXXX of XXXX from the merchant XXXX in the amount of {$130.00}. This has been processing for some time and I fear that this will take longer than expected and that nothing is being done. This has never happened with this company, and given my luck, I am sure that something more is wrong and going on. I have waited long enough and need my money. I have contacted American Express via phone and the agents say that everything is fine, but they have no way of sending a message to whoever is in control of the processing hold on this refund. I never really received any updated info on this, and day after day, the refund is just sitting there processing. I strongly believe something else is wrong here. My email for this account is XXXX and the last four of my social is XXXX
My complaint is with Chase Health Advance ... I called this company in XXXX 2014, to let them know I was not getting a bill for this account ... .Chase agreed they were sending the bill to the wrong address and agreed to send it to the proper address ... I spoke to someone prior to this and let them know I was moving, and gave them my new address, however, this company still failed to send me a bill ... .In the past I called the company to pay the bill over the phone occasionally when I had time, however, you would think after calling in to change your address, and several other times to get the bill to your house, a large company could follow through ... Having said that, I never received a bill ... This account is being fraudulantly reported to the credit bureaus without my knowledge which violates the fair credit reporting act ...