WillisBack/dataset-financial-user-claim huggingface dataset:
Citcard rejected convenience check for balance transfer and broke contract to borrow funds. Filed prior complaint:XXXX. 
Contacted by Citicard, XXXX XXXX, and told a code would be sent to me so she can discuss account in a letter from XXXX dated XX/XX/18. I have left messages to speak with XXXX about the fact that I have not received code and have not gotten a response. 
I am concerned about reporting to credit bureaus by Citicard as delinquency in account. 
I am denied access to Citicard on line and customer service at Citicard will not speak with me with the code which I have not received.
Rushcard has not direct deposited my payroll deposit for two weeks now, causing my bills not paid on time, insufficient funds fees and not too mention the emotional stress it is causing, no money is no gas for my car, no car no job which I 'm on the verged of being fired and there is noting I can do about it until XXXX XXXX has fixed the problems, he also should be responsible to pay for fees and stop payments that has resulted from this error.
I have been actively monitoring my credit through XXXX XXXX. In the middle of XXXX, 2017, Equifax  reported information through XXXX XXXX, vwhich resulted in a XXXX XXXX score. Many negative items were disputed by me directly with Equifax via letters. Equifax, removed many of the items due to the failure to verify the accuracy of those negative accounts. However, they also deleted my open and active credit card account, which is in good standing. These actions resulted in a NO SCORE credit file with Equifax. Consequently, I have been denied credit based on information provided by them ( No credit experience ). I contacted Equifax a few weeks ago when I first noticed that my credit card account was deleted. I was not able to resolve the issue with them. Since then, I have not been able to speak with anyone. Furthermore, Equifax has continued to update only negative information through XXXX XXXX, even inquries as recent as XXXX XXXX, 2017 ... .but, not my open, in good standing credit card account with XXXX XXXX . If I have an account in good standing, which was previously showing on XXXX XXXX, I should have a credit scorXXXX for reporting. I have eliminated the theory that XXXX XXXX is the issue, as the rep from Equifax suggessted since I had purchased a subscription from XXXX ( I think thats the name ) and it showed my Equifax score a ( 4 ). Additionally, I tried to purchase an Equifax subscription, using the card that they deleted from my file and my subscription purchase did not go through although my card was charged. I feel as if they are only reporting negative information about me and not positive accounts ... and I have no way to regularly monitor my Equifax report to for errors and accuracy. Ive attached files that show that my card was previously showing, but was deleted, along with proof of my previous score and proof that the XXXX XXXX account exist, is in good standing and reported by other bureaus.
This company, Commonwealth Financial is attempting to collect debt on an medical debt that is not owed to them nor have I ever had an account with Commonwealth Financial. Also, the reporting date is incorrect and the amount is reported incorrectly twice as two entries on my credit, further damaging my score.
I have received correspondence from this company both by mail and by phone call. They claim too be collecting for XXXX XXXX for a credit account opened XX/XX/XXXX and last paid XX/XX/XXXX. I told them I have no recollection of that account and even if I did, that was over 14 years ago and I 'm sure the statute of limitations has expired twice in which to collect on said account. I have asked them on the phone to cease and desist and I have returned their collection letter asking them to cease and desist. I was told today by XXXX that the only way they cease and desist is if I were to go into there office personally and sign a cease and desist form.
I had a XXXX XXXX XXXX Visa card. I was paying my bill on time every month on-line. I received an electronic notification from my credit monitoring system that my account was closed. I called XXXX XXXX and was told they had changed the address of my account due to information received from the United States Postal Service. The address was my children 's new apartment that I had co-signed for but never lived in. I NEVER changed my address with them or with the United Postal Service. The reason for closing my account had something to do with returned mail, which would have occurred because I never changed my address! 

I never received any of their mailed notifications, because I never changed my address. I never had a message from the payment site in the secure message section. I never received a voicemail on my phone that has also not changed. They changed my address WITHOUT my consent and then when they couldn't reach me, they closed my account which will negatively affect my credit. 

I am unable to get basic information on my account without providing numerous identification information, how are they able to take the USPS incorrect information to change my account?
Dear CFPB, my home that was taken from in XX/XX/XXXX and i was told by bank of america that the it was conveyed back to XXXX XXXX and there is still no one occupy the property, at this moment i am pleading with CFPB to allow me to pick up from where i fell off and lower my monthly mortgage payment and allow me to return to my home, i choose this property in XX/XX/XXXX left my footprint in the dirt then watch my home { The XXXX Model } built and then in XX/XX/XXXX i move in, I was so exited, as a single parent raising XXXX children and wanted the best for them i choose a neighborhood i wanted them to be safe so i knew then i had to work hard to keep up with my mortgage and that exactly what i did, i even open my own business and then the recession hit i fell back on my mortgage payment i spent XXXX of dollar to Lawyers and Agencies to help me save my home but unfortunately because the lack of my knowledge my home that i built and lived for fifteen years was conveyed back to the investor XXXX  XXXX, and right now i am pleading with XXXX XXXX please to have some mercy and allowed me to go back home
Incorrect inquiry. Merchant refuses to remove UPSTART credit inquiry not authorized XXXX XXXX, 2017 Creditor Contact Details XXXXUPSTART NETWORK, INC XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
I have applied for a job at XXXX and received a letter in the mail stating I was ineligible for the job due to information in my consumer report. After looking at my consumer report I received in the mail, I noticed the letter contained my twin sister 's name as well and not just mine.
On XX/XX/XXXX I made my credit card payment, before the due date and more then minimum. Then again on XX/XX/XXXX I made another payment however my payment was not due until the XX/XX/XXXX and because I was in the same billing cycle it was not credited to my XX/XX/XXXX statement. Unaware of this I logged into my account on line to make another payment for XX/XX/XXXX and saw that I was charged a late payment fee and was delinquent with my XX/XX/XXXX payment. I have attempted several times to straighten this matter out. All of the representatives I have spoken to understand what happened and they were kind enough to remove the XXXX late fee however they are reporting me late on my payment history. I have had this card 5 years and have NEVER been late with a payment and ALWAYS pay more then minimum. I have a credit line of {$750.00} and have requested a credit line increase and was denied because of a missed payment!!! And this is how they are reporting to the Credit Bureau.. that I was delinquent on a payment!
On Wednesday, XXXX/XXXX/16 I received a call at my home on my voice recorder from a Agent XXXX XXXX with XXXX regarding criminal and civil charges being brought against me and did not say what this was regarding. A call back number was left XXXX and case # XXXX. I thought it was bogus since a bill collector should not be acting like a government representative with the titles he was using. I get a lot of junk mail and calls regarding this sort of thing and thought it was bogus regardless. You really have to have your antenna on to full power now a days. At around XXXX I received a text from my Mom that this Agent XXXX XXXX had called my Dad 's office and spoke to my Dad 's receptionist at his office and left a call back XXXX case # XXXX. I want to know where I listed my Dad or my Dad 's business on any loan document? This is totally illegal what XXXX XXXX XXXX is doing and just using plain scare, intimidation and bullying tactics to collect on some debt. This rogue collector needs to be reeducated. I called back the XXXX number and spoke to XXXX XXXX who answered the phone as XXXX XXXX and there recorder stated they were XXXX, XXXX XXXX. I believe this company has lost there moral compass and is due for a reeducation on Fair Collection Law.
I obtained my experiian credit report there were US Bankruptcy Court items listed on my credit report as per the FCRA 623 ( a ) ( 5 ) if the credit bureau can not validate the information with the original creditor they must remove the said information Experian has failed to provide me the the requested information indicating a Fair Credit Reporting Act Violation. I need all the Bankruptcy information currently showing under my social security number permanently deleted from my credit report immediately my enquirers to the US Bankruptcy Court confirmed Experian credit bureau never validated or verified these public records on my credit report.
I would like to re-new my complaint against Portfolio Recovery Associates because they continue to contact me after I have asked them to stop because they were not able to validate any debt they had against me. all they have done is pester me all night with voicemails and phone calls, sometimes even very late at night. They claim I owe them {$450.00} and must be paid immediately, they are threatening me with more and more interest everyday and I have told them to removed this account from my credit reports because I do not owe anything two them. After my card was closed I entered into a payment plan and whatever they are doing is illegal because at this point i am paying double for the same debt and this makes no sense. I get calls from family embers who I do not live with and they claim that these companies are calling them and asking for me regarding a collection and its so embarrassing! I have not had a card with XXXX XXXX for over 10 years, where is this coming form now?
Complaint against : Forster & Garbus LLP XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Upon receiving a letter from this law firm on XXXX XXXX, XXXX and phone call made on this matter of judgement/execution for asset acceptance of incurred credit card opened in XXXX with a payment made in XXXX, I wrote a formal letter to this law firm for false claims and harassment in the form of wage garnishment that included my employer 's address. I have declared myself a victim in concerns with Forster & Garbus LLP actions and highlighting their illegal actions under the FDCPA guidelines concerning to collect with submission to ownership on a time-barred debt.
ONCE AGAIN XXXX FAILED TO NOTIFY ME OF A COMPANY NAME CHANGE FRO XXXX TO XXXX XXXX. AS WE SPEAK XXXX REPORTING ON XXXX AND EQUIFAX AS XXXX AND THE TITLE ON CREDIT REPORTS MUST REFLECT THAT CHANGE. THE PAYMENT HISTORIES ARE INACCURATELY COMPARE TO XXXX XXXX DATA. 

I AM FILING SUIT AGAINST ALL PARTIES SHOULD YOU FAIL TO CORRECT IN 30 DAYS OR DELETE ACCOUNT.
ON XX/XX/2017 TIME XXXX I CALLED TRANSUNION CREDIT BUREAU ABOUT FRAUDULENT INQUIRIES IN THE Account Review Inquiries AREA. I SPOKE TO XXXX XXXX IN THE FRAUD SPECIAL HANDLING DEPARTMENT. I LET HER KNOW THE FRAUDULENT INQUIRIES AND THE AREA OF THE INQUIRIES SHE STATED FIVE DIFFERENT TIME SHE CAN NOT DISPUTE INQUIRIES IN THIS AREA, I KNEW THAT WAS NOT THE TRUTH. I GAVE XXXX XXXX FIVE DIFFERENT TIMES TO CHANGE HER STORY SHE PUT ME ON HOLD FOR 15 MINS.  AND CAME BACK AND SAID HER SUPERVISOR IS GOING TO LET HER DO IT. XXXX XXXX IS IN VIOLATION OF 15 U.S. 1692 FALSE OR MISLEADING REPRESENTATIONS, AND 15 U.S. 1681-2 REPORTING INFORMATION WITH ACTUAL KNOWLEDGE OF ERROR. I STATED TO XXXX XXXX THAT THESE INQUIRIES ARE FRAUD.
I don't know when this credit card was opened and I've been living at XXXX XXXX XXXX, XXXX Ks. So get your facts right. My number is XXXX. I've had my identity stolen twice. Do I need to send you my papers from the federal government website?
Refinanced my vehicle with Carfinance.com, went to make a payment and realized that they do not offer an option to use your checking account with incurring any additional fees. When I called in to pay, they wanted to charge me {$10.00} pay-by-phone fee. The only option I have is to mail my payment in, and that doe not guarantees me that they will post my payment on time, which may cause addition late fees.
Equifax 's lax security caused my information to be stolen and leaked publicly, including my personal PII like SSN, DOB, Name and Address. Now I am a target for fraud and identity theft.
On XX/XX/2018, I requested a second debt validation via certified mail. AES has failed under the FDCPA to furnish the following : 1. Proof of a permit number that they are licensed to collect a debt on North Carolina Consumers.

2. A copy of all the ORIGINAL documents required under the Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) a consumer contract with my signature on it.

3. A complete payment history on this account.

4.All original copies reflecting an agreement to pay the alleged debt.

5.Copies of all invoices, bills, and notices concerning this alleged debt.

6.If this debt has been purchased or assigned, AES has failed to provide a copy of all related agreements.

7. An explanation of why AES is not reporting on my credit report item is being disputed.

8. Evidence that AES is authorized and licensed to receive payments on this alleged debt.

9. The reason why AES / XXXX XXXX is not accredited with the XXXX.
XXXX XXXX hired attorney Gordon & Wong Law group who filed judgment against me XX/XX/XXXX on a debt that is not mine. They just recently levied my XXXX XXXX XXXX account in ths amount of {$860.00} I contacted Attorneys office and they advised me to file police report of id theft and that this alleged debt is not mine. I filed police report along with FTC complaint and submitted all documentation to attorneys office by certified mail USPS tracking # XXXX XX/XX/XXXX They advised me they would speak to there client and get clarification of the debt. I have called there office every week and they claim that it is still being investigated and that there client has not responded to them with definite answer on validation of this debt. I have asked for my money back from bank levy and to this day they have no answer for me or cant even tell me where this debt came from. Please get me my money back this is not my debt.
Chase Bank regarding hard inquiries : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, theses are the dates they show up on my credit report as hard inquires, after talking with Chase several times and XXXX who is the only one reporting them again several times. After a month received a letter that went to credit reporting agencies to mask the hard inquiry : Then looked at my report and saw two more XX/XX/XXXX and XX/XX/XXXX Called Chase Bank they stated even if it fraud they still put the inquires through and notify the credit reporting system, XXXX says : they have to list it because even if your account may be fraud we still put a hard inquire on your account.
I do n't have nor have I ever asked Chase for a credit card or anything else.
Back when I was a college student in XXXX, XXXX XXXX XXXX reported me for " account abuse '' because of an overdraft. I subsequently paid the {$120.00} I owed and I was told by the branch manager that the account was " paid in full '' and that everything was " taken care of ''. 

Fast forward to XX/XX/XXXX when I tried to open a checking account at another bank, I was denied because XXXX XXXX XXXX was still reporting me for " account abuse ''. I am confused because five years ago in XXXX I paid the bank the {$120.00} I owed and they assured me everything was resolved. So I decided to dispute the Chexsystems entry based on its inaccuracy. 

Then when my mother tried to open a checking account at another bank, she was also denied because apparently XXXX XXXX XXXX switched my information with hers. Recently, we visited a local XXXX XXXX XXXX   branch in order to try to get the mix-up rectified, but we were told that there was nothing the bank could do, and they instructed us to call customer service instead.

This has caused a tremendous amount of confusion and distress for me and my mother. I want the Chexsystems   entry deleted from both my records and my mother 's record as well. It is completely unfair that my mother can not open a new bank account because my information has been mixed up with hers.
I called PayPal Credit ( Bill me later ) on XX/XX/XXXX to get my balance on my account. 
the customer service rep told me that my account has been closed because i filed bankruptcy and that they mailed me a check back in XX/XX/XXXX in the amount of {$1800.00}. I told them i never rec 'd a check and i had already paid them another $ 500- {$800.00} since then, depending on when they did there audit on my account. 
I asked where have all my payments been going since i am paying on my account shouldn't i have a credit on my account? No, because my account is closed. No one can tell me anything. Nor help me. Pay pal owes me a couple thousand dollars at this point. 

i asked them to look at the check they mailed me i never rec 'd it NOR cashed it. To asked that the check be stopped and to send me a new check ALONG with doing an audit on my account to see how much more they owed me since i have paid several hundred dollars more. I was never notified that my account was closed and to no longer pay them anymore. 

I have been calling several times over the past 2 weeks and no one can seem to help me, they just say that they have a " case '' in and that it has been transferred to the back office but the " back office '' does not have a phone number nor can i be transferred to anyone.
Loan No. XXXX, account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX In my initial contact with Select Portfolio Service Inc, I request to Select Portfolio Service to validate their claim of debt owed by XXXX XXXX, after countless threatening letters which includes notice of default and right to cure from Select Portfolio Service Inc, they stated " that they were the holder of said promissory note and it was available for my inspection in the State of Utah ''. As a Servicer/Intermediary between XXXX XXXX banking institution and XXXX XXXX, I gave specific instruction on where to redeem said note with allonge attached to the appropriate obligor. I have fully acknowledged said Warranty Deed which is required by law as well. I XXXX XXXX have exhausted all legal and lawful remedies in trying to satisfy my obligation with said mortgage company, and to make matter worse the mortgage value is not reflecting the state property value in any way. 

Thanks you for your attention to this argent matter XXXX XXXX
In XX/XX/XXXX Citibank started offering {$300.00} to sign up for The Citibank Account Package ( checking account ) between XX/XX/XXXX XX/XX/XXXX. I signed up for the Citibank Account Package on XX/XX/XXXX online. In order the receive the bonus the offer terms stated that Within 45 days after account opening you must complete the following : ( 1 ) you must complete 1 qualifying direct deposit to your checking account OR make 1 or more qualifying purchase transactions with the Citibank Debit Card totaling {$250.00} or more, and ( 2 ) make a qualifying deposit of {$15000.00} or more in new-to-Citibank funds into the new checking account or a new or existing Citibank Savings Plus Account, and ( 3 ) maintain a minimum balance of {$15000.00} for 30 consecutive calendar days following the date when you made your qualifying deposit. Immediately after opening the account, I mailed in a check to be deposited for {$15000.00}. It took Citibank a full 23 days to deposit my check and then an additional 7 days deliver my welcome documents to my house so that I could set up my direct deposit. At this point, Citibank rendered it impossible for me to set up a direct deposit in time to fulfill their 45-day requirement. So instead I made a {$250.00} debit card transaction on XX/XX/XXXX. After the 90 days waiting period Citi had still not deposited my {$300.00} checking bonus even though I had met all the requirements as outlined above. I contacted them several 2 separate times about this issue and each time the front-line customer service rep said that I met the qualification standards for the bonus. Upon further Citibank review, they said that I did not qualify for the bonus because they consider my debit card transaction as a transfer instead of a transaction because it was marked as a money send. Looking through all documentation on what Citibank considers a transfer proved to show that this didnt make any sense. Citibank lists XXXX as a transaction type and not as a transfer type. Furthermore, the promotion sheet used by Citibank only states that the purchase must be made using the debit card to buy goods and services, which I did. Because of Citibanks lackluster turnaround time on opening my account, I was forced to make a {$250.00} purchase I wouldnt have otherwise made and eventually on XX/XX/XXXXI did make that direct deposit, unfortunately, it was 5 days past Citibanks 45-day window.
On XX/XX/XXXX, XXXX, XXXX, Tx received a certified letter from me that contained a insurance co. check, XXXX, insurance estimate, & roofer contract for a new roof on my residence. They said they would issue me a check for my roofer. 
On XX/XX/XXXX, I returned a phone call from XXXX XXXX. They said they needed a XXXX & roofer contract. I faxed both on XX/XX/XXXX. 
On XX/XX/XXXX, I called for a progress report. They said they needed a XXXX & roofer contract. I faxed both on XX/XX/XXXX. 
On XX/XX/XXXX, I called for a progress report. They said XXXX XXXX would call. No call as of XX/XX/XXXX. 
On XX/XX/XXXX, I called & asked for a supervisor. They said no. 
No one ever said anything about incorrect information. 
This has been a big stall.
Experian shows that I have XXXX hard pulls of my credit report by XXXX, XXXX on XXXX/XXXX/16 and XXXX on XXXX/XXXX/16 that I did not authorize. I have not applied for any credit on those dates or within several months. I contacted the phone number supplied by Experian for the company requesting the credit reports, and that credit card company had no record of requesting any credit reports for my account. I have initiated a fraud resolution case with Experian 's " Protect My ID '', but would like the credit report pulls removed from my credit record.