WillisBack/dataset-financial-user-claim huggingface dataset:
There was a collection account reporting on my credit file with XXXX XXXX XXXX account number XXXX. I contacted the company and agreed to settle the debt. I spoke with the Floor Manager XXXX XXXX and he was the one that approved the settlement. Once I completed the payments they were suppose to zero  out the remaining balance and remove it from my credit report, because again it was a settlement agreement. I watch my credit through a credit monitoring site and when I checked to make sure the account was reporting properly I was floored to see that what they did was take the money they agreed to settle the account and actually just applied it to the balance. On XX/XX/2018 I called the company ( XXXX ) XXXX and was transferred several times before I was able to speak with XXXX XXXX again the Floor Manager, at first he too seemed confused and said that there was money still owed. He did finally remember the agreement and said that the accounts were settled and that he would send me a letter showing they were settled with no money owed and that they would delete them from the credit report. I still have not received that letter nor has it been removed off my credit report.
I have been a victim of Transunion Inquiry Issue and customer service would not help and take care of the negative inquiries reporting on my credit report. Please remove XXXX, XXXX, XXXX, XXXX, XXXX, XXXX., XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, & XXXX.
XX/XX/XXXX I mailed a letter to the Citizens Bank branch where I first opened my account, notifying the bank to close my checking account and to send me a check for my remaining balance in the mail to the address the bank had on file. I did not receive any communication or a check for about 10 days, so on the evening of XX/XX/XXXX I logged into the online banking portal on Citizen 's Bank 's website to check my account. I found that my account balance was negative and not only had I been charged a {$35.00} overdraft fee, but I was daily being charged a {$6.00} " Sustained Overdraft '' fee each day beginning on XX/XX/XXXX. In the time between when I sent my letter requesting to close my account and when I logged on to my account, an outstanding check that I was unaware of was cashed. I called Citizens Bank the very next morning on XX/XX/XXXX and asked why I was not notified that my account was overdrawn, especially since I had sent a letter requesting closure of my account. I was told that I HAD been notified through the online website, because I had signed up for online banking. The Citizens Bank representative gave me a " courtesy '' refund of the {$35.00} overdraft fee but would not, nor would her manager, refund me the daily charges of {$6.00} for a " sustained overdraft ''. According to Citizen 's Bank, a message in the online portal constitutes notification. I told them that this does NOT constitute notification because it is PASSIVE ; NOT ACTIVE. It requires a customer to take an action on their own behalf to receive the notification ; that being, logging into the bank 's website. I was told that I can change my " preferences '' to receive an email or letter, for example. I had never changed any of the preferences from their default since signing up for online banking. I went to the tab on the webpage to look at my preferences and found that the default preference is to receive no notification of an account overdraft. This is absolutely outrageous. The DEFAULT notification setting should be ACTIVE notification via mail, email or phone/text. If a person chooses to opt out of active notification that is a completely different situation. How much money is Citizen 's Bank making off of charging fees to people who " screw up '' because they were n't aware that the default setting is to give customers no notification upon signing up for online banking!?!? It was ironic that Citizen 's Bank refunded my overdraft fee and NOT the sustained overdraft fees, because it was actually my error that caused an outstanding check to put my balance negative ; but it was the bank 's unscrupulous policy that caused my lack of awareness of my account balance leading to the sustained overdraft fees. Doubly vexing in this situation is that there is another layer to the problem : I active contacted the bank to close my account ; and probably while my letter was in the mail, the check cleared, such that when my letter arrived at the branch, they found my account to have a negative balance and thus did not close it but THEY TOOK NO FURTHER ACTION, SUCH AS TO NOTIFY ME!
So I went on XXXX XXXX and got a alert saying a place ran my credit Im like what. So I looked it said syncB national credit cards/airlines and Ive never applied for anything like for anything before. I called synchrony bank they said they dont deal with that and told me to call credit people to get it off of there so I called they said I have to get a letter etc from the company and I was like okay so I went back called them and said same thing again so Im getting a complete run around Im XXXX like I dont need this stuff happening
XXXX S.S. # XXXX / CONTACT NUMBER XXXX email XXXX ADDRES XXXX NJ XXXX RE : CITIMORTGAGE INC ACCOUNT # XXXX Complaint against CitiMortgage Inc. CitiMortgage Inc. refuses to report the statu status of the account correctly to XXXX , reporting account # XXXX as derogatory and late 120 past due. The account status should be reported as paid and closed as evident by tax forms XXXX and XXXX and my XX/XX/XXXX tax return in witch I was required to pay capital gain taxes for the property list as XXXX NJ. 
XXXX.This is my primary residence since XX/XX/XXXX.CitiMortgage Inc. also refuses to identify to me who made the unauthorized payments on the account from XX/XX/XXXX until XX/XX/XXXX these payments are fraudulent, reinstating the account without authorization, this is evident by the attached XXXX credit report dispute dated XX/XX/XXXX.The account went into dispute XX/XX/XXXX.The fair Credit Reporting Act states that no negative rating should be issued while an account is in dispute. 
CitiMortgage Inc. is reporting pay status on a closed account as 120 past due. Please rectify this issue. THANK YOU.
I wrote a dispute letter to TransUnion on XXXX XXXX, XXXX notifying them that they were reporting inaccurate credit information on my report. This letter went unanswered. Therefore, I wrote another letter on XXXX XXXX, XXXX to notify the credit bureau that my previous request for investigation had gone unanswered. As a courtesy I included a copy of my first letter as proof. I requested the item be removed as a proper investigation had not been conducted nor a timely response within 30 days as outlined in the FCRA sent to me. The FCRA states that if a credit bureau fails to conduct a reasonable investigation or respond to a request for investigation of a negative item, then they must remove the item from the consumer 's file. It is now XXXX of XXXX and no resolution of this issue has been made by TransUnion. The credit bureau, TransUnion, is in violation of the FCRA and should give this matter the immediate attention it deserves. This item should be removed from my credit file immediately.
Wells Fargo is not honoring their promotion. I have physical documentation of this promotion. I've even followed up and filed numerous claims. Bonus of {$100.00} was never rewarded and now they say they promotion never existed when i have the physical documentation.
On XX/XX/XXXX my balance with JCP was {$3000.00} with a credit limit of {$3500.00} so I applied for a increase of {$6000.00} and was granted {$4000.00}. On XX/XX/XXXX I placed an online order that totaled {$1600.00}. On XX/XX/XXXX I checked to see how much my payment due was and the available credit reflected I was negative {$670.00}. I immediately called the bank to figure out how my account was over the limit and my credit line was increased. I was told by XXXX that my last purchase caused the account to be over the limit and the credit line was only increased to {$4000.00}, but we could not understand how the transaction got approved. XXXX tried to increase my credit to cover the {$670.00} but I was denied and was told to contact JCP.com. On XX/XX/XXXX I spoke with XXXX at JCP.com and was told my transaction got approved because they took the system offline and transactions can go through during that time even if the customer does not have the credit available. I have been a customer since XX/XX/XXXX, never missed a payment and have never charged over the limit. The company gained XXXX XXXX sales at the expense of my account being taken over the limit and my credit score has dropped.
I called Trans union on XX/X/2017 due to the 2 separate glitches they had removing credit inquiries from my credit report and the credit inquiries appearing again after the glitches were recognized. I was not notified of the reappearance and spoke with XXXX at XXXX and XXXX from Pennsylvania at XXXX on XX/XX/2017
Date of incident Open XX/XX/XXXX close XX/XX/XXXX someone opened up the account fraudulently in my name I've been trying to get it rectified I filed a police report I contacted the company they took it off my XXXX XXXX and experience but not my XXXX I contacted the company and disputed to no avail.
Ive taken the proactive approach into reviewing my XXXX, Transunion and XXXX Credit Report after the XXXX 2017 breach. Ive contacted XXXX and was advised via XXXX website ; Based on Information provided we ( XXXX ) believe that your personal information may have been impacted by this incident. I enrolled in the XXXX XXXX XXXX which was offered by XXXX and locked my credit reports. I recently received a copy of my XXXX, Transunion and XXXX credit report. The credit reports showed credit inquiries that I dont recall authorizing. I have wrote several disputes letters to all the major credit bureaus concerning inquires listed on all 3 major credit bureaus report and letters to the creditors listed on my credit report as well. I understand the credit bureaus shouldn't be allowed to put an inquiry on my file unless I have authorized it. The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order
I get a call every single day, sometimes multiple times a day, from a company called RPM ( Receivable Performance Management ). The number is usually from the XXXX area code. The latest was XXXX XXXX XXXX XXXX. 

I only know who they are because I looked up the number. If I do n't answer, I get a voicemail of a recording that says " This is a call from a debt collector. Please call XXXX ''. If I DO answer, I only get silence. At no point can I ever talk to anyone and tell them to stop calling me. 

I have no accounts in collection. I routinely check my credit reports. I just want this company to stop calling me. I refuse to call their XXXX number just because they use robocalling with no one on the other end to talk.
This is a complaint against the Bureau of Equifax, specifically the department of fraud and the technical department. For the following reasons, I am victim of identity theft since XX/XX/XXXX, but this year has been the worst year because there has shown up XXXX accounts that do n't belong to me, that have been opened with fraud and without my permission and also inquiries. Last year the problem was solved after many complaints through here, I sent my police report and affidavit, even though, because this department of fraud is the worst of this country, the communication is horrible and inefficient, they do to your credit report as if it was a joke, even though they have the police report, the affidavit, and all the documents and evidence to show the identity theft. In these last three months, i have sent through fax and certified mail, the new updated police report, where it shows all the fraud accounts in my credit report. And also I call almost every single day to this department and all they do is make fun of me and mistreat me and they are as lying that they have n't receive any police reports when I have the confirmation that the fax was received that I have sent. And also the certified mail was received in XX/XX/2016. This department of fraud is so flawed and inefficient that what they do is pass me from person to person like if I was a ball. According to the manager, they told me I was going to receive calls to solve the case and I have received none. And I still call and they keep making fun of me and do n't take notice of my problem with identity theft in XX/XX/XXXX and XX/XX/XXXX. What type of department of fraud is this that does n't work and go against the federal law of Just Credit when they have the support and evidence of a police report, this law states that when a person is victim of identity theft, that the agency of credit should delete all the fraud accounts in the credit report. For this reason Im making this complaint against Equifax because the technical department even me being a premier member I have to do my disputes online, they should copy the good methods of experian and transunion. These XXXX agencies have already solved my case and are serious people who do their job. I do n't understand how the commerce of this country can go through with Equifax when this department does n't even work. I am going attach the updated police report with my identification to show how this agency makes fun of me.
Equifax, without my permission or consent, compiled personal financial information about me, and then recklessly managed this information they compiled. As a result of their inadequate security precautions, they allowed my personal information to be stolen. When I sough to place a security freeze through their website, I was advised it could not be completed. 

When investigating receiving future alerts related to wrongful use of the information they failed to protect, I was advised that they would not provide that service beyond one year without compensation. Of course, they mismanaged the information and caused harm that will last beyond one year. The monitoring should last as long as necessary to assure no future harm - presumably lifetime monitoring.
XXXX is on my account twice, which the account is fraudulent and belongs to XXXX XXXX. I noticed these accounts on my credit report in which they have been since XXXX. I did not know or have never paid on this fraudulent account therefore this account has been on my credit report almost 10 years which I am sure against FCRA. I am attaching the signature provided by XXXX to CFPB ; and on their application and providing my mortgage signature page. It is plain to see the signature on XXXX 's application and my signature are completely different. Also, XXXX has submitted a letter of acknowledgment in regards to fraudulently signing my signature in which I attached. Again, It shows my signature and addresses which conflicts with the information on Navient application. Also it against the law for them to report the same account twice. I am asking for this to be removed immediately. Also, if the company reviews my documents it is obvious that I was living at different addresses than the XXXX on their application, look at the date on my mortgage page, Worlds Saving and my property tax document which dates my current address beginning in XXXX until current, therefore I knew nothing of this loan.
American Express had a promotion for XXXX credit card with XXXX points with first {$3000.00} spending within 3 months, then additional XXXX points with {$2000.00} spending within next 3 months. I have completed spending {$3000.00} around XX/XX/XXXX, and I have never received the points. I tried to communicate with American Express multiple times, but all they say is it usually takes 6-8 weeks or they need more time to investigation. This is after 14 weeks after I have given them time to investigation. I have not heard back nor received the points.
House is scheduled for foreclosure XXXX XXXX, 2016, the foreclosing lender is not in the chain of title for this alleged loan and in fact it appears that the alleged loan and mortgage or invalid. Attempts have been made to resolve the problems with this current " stranger Lender '' but they simply refuse to cooperate. They have never attempted to resolve the debt, make attempts to restructure or otherwise work with the homeowner. Additionally this is an 80/20 loan and the homeowner never received the 90 day letter or any other statutorily required opportunities to resolve this alleged debt.
My family was faced with both a health and a financial crisis in XX/XX/XXXX. The HAMP program was announced we qualified so we applied through the debit collector OCWEN. Inadvertently we painted a huge bull's-eye on our backs by helping OCWEN identify a property with plenty of equity and owners in distress. We were forced, with threat of IMMEDIATE FORECLOSURE, to signed an illegal loan modification that turned our Home Equity Line of Credit without escrow ( remember no ESCROW ) into a loan with a balloon payment and an escrow requirement. 
Six months later ( sound familiar? ) my payment went through the roof. Ocwen, the debit collector, claims to have miscalculated escrow. 
We have an illegal mod according to Texas law and we ca n't get an attorney to following through. Fact is the first attorney pawned us of on the second attorney without telling us. The second attorney had some kind of breakdown and as far as I know has not been heard from since. I found out and went back to the first attorney who we subsequently fired. By the time we found the third firm the laws in Texas were changed to allow balloon payments on Home Equity Lines of Credit. We did go to court, or rather the firm went to court, we were asked specifically not to attend the hearing. I have attached the letter from the firm that states " As you are aware, the litigation against you has been dismissed and our services are complete. '' We think we have stopped the foreclosure but we have not. There should have been an appeal filed within 30 days of this decision but it was not. The firm basically quit before it was over. 
In XXXX XXXX Ocwen, the debit collector, along with the firm of XXXX XXXX XXXX XXXX XXXX ( operates like XXXX XXXX XXXX ) files for foreclosure with the same tainted documents and signatures as the last time and that is o.k. with the courts in Texas. We hire yet another firm. We have a certified audit that shows over {$20000.00} of our money was never credited to our account. Crazy fees were charged that were never disclosed. We have real evidence of the attempted theft of our home but Texas courts say none of this matters. Ocwen, the debit collector, has all the leverage so their partners in crime the aforementioned XXXX XXXX XXXX have served up another XXXX complete with an escrow requirement. In this XXXX it is spelled out that at anytime Ocwen, the debit collector, can and should be expected to jack around with the escrow account. So in six months time we will be right back where we started in XX/XX/XXXX. We are going to ask that the escrow be eliminated as we have always paid our own taxes and insurance. Our request will be denied because escrow is where the fun is at for these leeches.
Hi applied for credit card line increase on XXXX XXXX. XXXX and few days.. on XXXX the XXXX was denied for credit line increase due to one payment was returned from my bank account XXXX XXXX XXXX XXXX XXXX in the amount of XXXX i called Capitol one and ask them to removed this bank account information around the first week of XXXX and i use another bank information ( XXXX XXXX ) to make the payment again and it went through with no errors and i continue to make my payments in the month of XXXX XXXX and XXXX and finally XXXX XXXX with no payments returned or errors i called capitol one today on XXXX XXXX, XXXX central time around XXXX and i spoke to the supervisor and he told me he does n't have control of the credit line increase and i have to reapply anytime or wait 3-6 months and i asked him can i talk to credit dept or any dept that handles credit he told me that capitol one does n't have a credit dept or a complaint dept and was rude to me and refused to help me i have been making my monthly payments on time with no error and i can hear the supervisor on the background saying negative things about me and forgot to put me on hold i want to filed a possible discrimination against this company and i would like a credit line increased
Called my mother-in-law by phone and began asking her questions such as if she knew me and if she would give them my phone number. Her name is XXXX XXXX and she works for Capital Management.
I obtained a loan from XXXX to move my loans from Navient to XXXX as I have had horrible customer service with Navient and they have been very shady. I calculated the interest on 10 days ( the amount of time it would take XXXX to pay off the loan ) and gave that value to XXXX. I have a screenshot showing where XXXX paid all of my loans in full. Navient is saying that the third loan which was for {$5000.00} in 2014 is unpaid and is trying to solicit payments from me. They are trying to get {$10000.00} for a {$5000.00} loan. This is fraud.
I filled out an online form to see the value of my house and refinancing. Loan Depot has called me 58 times and left 5 second messages. They wont quit calling me. I started to delete my messages before I screen capture so voicemail now says 45. See attached
I recently signed up for an American Express XXXX ( ending in XXXX ) credit card that offered XXXX bonus Membership Rewards points upon spending {$3000.00} in 92 days. I completed the spending requirement and American Express has clawed back my XXXX points and refused to provide a reason for doing so. 

I spent a total of {$3900.00} ( confirmed by AMEX ) and did so within 92 days. I was unsatisfied with the product during this time, and thus decided to terminate my relationship with American Express on XXXX XXXX, 2016. However, since the spending requirements have been met and points have been issued, American Express erred in clawing back the points. There is no provision in the Terms and Conditions that state how long a card must be open to receive the bonus.
I took a loan out with this company for {$400.00} in XX/XX/XXXX. Upon review of my loan documents, I did not realize that this company is charging me an annual percentage rate of XXXX % which is XXXX % per month. I also checked the MD Office of the XXXX of XXXX database to see if this lender is a licensed payday loan lender in the state of Maryland and they did not come up as a licensed lender. Also according to the website, " payday loans '' and other small consumer loans are generally subject to interest rate limitations under Maryland law. For loans under {$6000.00}, the maximum allowable annual rate is XXXX %, though loans under {$2000.00} may have a rate up to XXXX % based on a scale specified in the statute ( statute that governs this is MD Code Annotated Commerical Law 12-306 ). See http : //www.dllr.state.md.us/finance/consumers/comppayday.shtml According to the loan documents ( as attached ), by the time I pay the loan according to their payment plan, I will be paying {$3700.00} which is almost ten times as much as the original loan of {$400.00}.
I called Transunion in regard to an hard inquiry from XXXX XXXX made yesterday XX/XX/2019 which I did not do and have no knowledge of. They told me XXXX XXXX had permissible purpose and advised me to get a letter of deletion in order to get it removed. I then called XXXX XXXX. There are no records of any new accounts with my personal information ; my name and social, in their system, there was no attempt at all. I just cant and dont understand how can this hard inquiry magically appear on my transunion credit profile from XXXX XXXX   and XXXX XXXX is saying they had nothing to do with it. XXXX, the representative from XXXX XXXX said she couldnt provide me with any letter about an inquiry that did not happen.