WillisBack/dataset-financial-user-claim huggingface dataset:
I have been paying XXXX XXXX XXXX for a XXXX account for a year & a half & they refused to update my credit report to show I was making payments. The original amount was {$3400.00}. On XXXX XXXX, 2017 I came to an agreement which I got in writing from them before sending payment. The item was settled in full & was supposed to be removed from my TransUnion report. After multiple disputes & phone calls & submitting a paid in full letter from XXXX to TransUnion the item was still confirmed by XXXX to TransUnion as owing {$3400.00}. I ca n't get it off my report no matter how I try. XXXX claims it has a XXXX balance TransUnion claims XXXX confirms I owe {$3400.00} meanwhile my credit score suffers & I am declined for further credit. I need help XXXX uses unfair collection tactics.
On XX/XX/XXXX I saw an online offer by Bank of America on their website ( bankofamerica.com ) offering, for the travel rewards card, " XXXX online bonus points after you make at least {$1000.00} in purchases in the first 90 days of account opening- '' Since I had another BOA credit card with their phone number, I called and asked for the promotional offer. The woman was not sure about the offer, but, I assumed that since it was advertised on the BOA website, it would appear. I called back BOA right after I completed the application on the phone to make sure that I had gotten the XXXX online bonus points and they said that they would get back to me. I just received a letter today, XX/XX/XXXXstating that I would not be granted the XXXX online bonus points since I did not fill in the application online even though I asked for the offer and called back immediately after applying to check on the offer. I was not told that the online bonus points were only if you completed the application online ... I would have, certainly, applied online, had I been made aware that the offer only applied if you did the application online!! So, I called today and spoke with XXXX XXXX at BOA. I was told that the offer was not part of my credit card and that I would not receive it. This is deceptive advertising as it was not made clear that the online bonus points would only be granted if you completed the application online. The agent told me that I should have scrolled down to the bottom of the online application to see the terms ... I do n't think that I should have been misled at the onset and, then, forced to read all the way to the fine print to realize that this offer was only for completing the application online. This violates full disclosure as it is deceptive and misleading, not adequately disclosing that the offer is not available if you applied by phone. I have attached the capture of the website promotional offer. It, still, appears today. I just scrolled down to look at the terms and there is nowhere that it is required to apply for this online!!!
I requested my equifax free anual credit report. Received a " request for proof of identity '' which I replied back ( I believed a normal procedure cause it 's a new account ) including my SSN and a bill for address proof. 
Received 15 days later two credit reports ( with a submitted date difference of one day between them ), the first 14 pages, the second 18 pages. 
the second one ( dated one day later ) explicitly said on the first page : " We are please to let you know that the results of the dispute you recently filed with Equifax '', which I never did, it 's my first credit report.
The following personal information was inaccurate on both reports : last name, DOB. 

Opened a dispute online, got a confirmation number valid to check till XX/XX/2017, and ca n't check status on the webpage ( https : //www.ai.equifax.com/XXXX ) not responding and over the phone with an " unable to check the status '' msg. I tried every day since I 've got the email confirmation about the dispute resolution ( XX/XX/2017 )  with the same results. 
Got denied at least 4 times from different financial institutions that get the reports from Equifax probably cause of this inaccurate information. This is impacting in my credit and financial ability and I have no response from Equifax.
in XX/XX/2017 we in Florida were hit by the hurricane, I had problems with my work, I called this card to make payment arrangements, we agreed to only pay {$80.00} dollars for a year. at the end of the year they raised my interest and my minimum payment without my consent, now they started charging {$110.00} dollars of which only XXXX dollars go to my favor. I called them to work with me but they have no answer. today I owe more every month. My doubt right now is {$4600.00}
On XXXX previous occasions such as this, XXXX XXXX has configured software logic into their banking system designed to force me into penalties and interest charges on a 0 % credit card offer by not allowing me to make a transfer or even pay my balance due. After many conversations over the phone I am told that a checking account balance must be resolved before this account may be brought current. These XXXX have nothing to do with XXXX another and should be considered fraudulent behavior by the CFPB.
I have attempted to contact the trustee at the XXXX locations documentation disclosed for the amount I need to pay to reinstate the loan. The number the documentation says to call is always busy. Through the second number I talked with XXXX XXXX on XX/XX/2016. I have not received the reinstatement amount information he promised, even though I was told I would receive the information within three days. The trustees are XXXX XXXX XXXX XXXX and XXXX, XXXX.
XXXX   XXXX   XXXX   XXXX   CITIBA  NK N A   XXXX   XXXX ,  XXXX  Open {$910.00} Account Details Last Reported   XXXX    XXXX ,  XXXX  Collection Agency   XXXX   XXXX   Original Creditor  XXXX   CITIBANK N A  Status Open Opened Date  XXXX   XXXX ,  XXXX  Closed  Dat   e -- Responsibility Individual Balance {$9  10.00} High Balance {$910.00} Remarks Placed for collection Creditor Contact Details   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , VA  XXXX  (  XXXX  )  XXXX  Since you currently have an open dispute request, you ca n't dispute any other errors through   XXXX   XXXX   at this time. If you found new errors to dispute with   XXXX   please wait for your prior dispute request to be processed or contact   XXXX   directly.    XXXX  See the details here Compare this account on your      XXXX   XXXX
Attempted to purchase my credit report from Transunion.com. I am continuously prompted to join their monitoring service in order to get my credit report and/or score. There is literally no way around these pressure tactics. It 's either join, or do not access your report! And if there is another option, it does n't exist ... .attempted to order via their " disclosure '' link ... ... it states " system error ''.
In the last two weeks I have received three robo calls from Harris and Harris , Ltd. in XXXX, Il. I have no indebtedness and an excellent credit rating. There is absolutely no reason I should be receiving calls from this agency. Each time they call, they leave a different number for me to call. I have yet to return their calls because I believe to do so will just further complicate the matter ( based on others ' experiences ). I was required to answer some of your questions in ways that do n't really apply here. For instance, I do n't know if they think they have some indebtedness information on me or my wife or one of my grown children. I just know they are harassing me.
Since 2003, the number they are calling has been on the do not call registry.
I am An interest only mortgage holder in the year XX/XX/2007 I think I wanted to lower my payments like everybody else. I was advised that because I was current that I could not refinance. The mortgage holder advised me to stop paying my mortgage and do a remod I agreed. when the forcloseure process began I did a remodification the bank lowered my payment put me back in a 30year mortgage again and increased my principal by XXXX. I was always paying interest only on $ XXXX now I 'm paying interest only on $ XXXX I was never paying off my principal just interest only why am I paying interest on on XXXX that I never had
After successfully verifying my account that I had recently opened with Skrill, I was able to transfer money ( about {$500.00} ) in to the account ( from my regular bank account ), but all of the payments I attempted to make were denied by Skrill. I called numerous times while trying to make one payment because the transaction was being declined- twice I was told everything was all set and to try again after a few minutes and after the third phone call, I was told I 'd have to wait 24 hours to try again because I had made too many attempts. The next day, Skrill closed my account without explanation, even after I asked, and they have yet to refund my account balance ... .it 's been over a month. When I called, the person I spoke with told me that she needed to look in to my account and would email me with information about my account balance. She emailed, said it was sent back to my bank account, but did n't give the date as I requested. I responded and asked for the date the money was sent back and received no response back. I have emailed multiple times without response.
Initiated contact via written notification of billing errors on XXXX XXXX 2015. Citibank failed to acknowledge and to respond to our Fair Credit Billing act dispute letter. Certified letter was recieved by Citibank of XXXX XXXX, confirmed via recorded telephone line. Contacted citibank multiple times and failed to return call after asking to investigate verbally as well. Last correspondence was via phone on XX/XX/2015 and citibank account manager refused to investigate, escalate, or resolve issue.
The below information is being reported to my credit report and is not correct. The company also has broken HIPPA rules by disclosing private health information to the public. I do not owe this company any money, I requested information and signed itemized invoicing to prove such amount owed. Too date nothing has been sent and adverse information is being reported to my credit report.

ADVERSE ACCOUNTS Adverse information typically remains on your credit file for up to 7 years from the date of the delinquency. To help you understand what is generally considered adverse, we have added >brackets< to those items in this report. For your protection, your account numbers have been partially masked, and in some cases scrambled.

RECEIVABLES MANAGEMENT PARTNERS LLC # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ( XXXX ) XXXX Placed For Collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$190.00} Date Updated : XX/XX/XXXX Original Amount : {$190.00} Original Creditor : XXXX XXXX XXXX XXXX ( XXXX XXXX ) Past Due : {$190.00} Pay Status : >In Collection< Remarks : ACCT INFO DISPUTED BY CONSUMR ; >PLACED FOR COLLECTION<
this is my fourth attempt to resolve this issue with Equifax and XXXX, The student loan that is being reported has inaccurate open dates, I am not disputing the account is not mine, The student loan belongs to me, But what I have been disputing is your report shows that it was opened in XX/XX/XXXX which is false, CRA have stated every time the account is mine and accurate, I have the promissory note that was signed and dated by me, as advised by attorney is try and have date validated again and cause I have tried a few times the FCRA requires the account to be delete, Due to the fact the account has been re-aged. the account was opened on XX/XX/XXXX, as advised the CRA is to investigate and review information provided by creditor reporting using the promissory note that has a date, The promissory note I have will be granted to the CRA in court under discovery if we have to go to court, Again since CRA has had plenty of time to correct and felled to. that this my last attempt before I have attorney file.
I feel like interested was added from previous student loan provider thus making hit difficult for me to see any progress with payments. I do n't clearly understand how interested is added and why my loan amount seems to be increasing rather than decreasing.
I most recently have gotten back my results from a dispute I have opened up about the following account on my credit report. " ACCOUNT # XXXX XXXX/XXXX   XXXX XXXX ''. The dispute confirmation number is XXXX. This account has yet again come back " verified & update '' despite the fact that I sent it a letter from the company stating that it had no contract with my signature on it linking me and proving that I am responsible for this alleged debt that is still on my credit report, bringing down my credit score and had cause a decrease in a line of credit I have with XXXX. 

I would like to know how was this account investigated? I would like to know to what methods was this account investigated and verified and updated? What human person at this company did someone from Equifax speak to and confirm that there is indeed documentation and a binding contract with my signature on in proving I am the one whom indeed opened, used and accrued debt on this account? 

I am again to believe that Equifax has broken FCRA laws and not done a complete and thorough investigation in to the validity of this account. I am to believe that yet again after another dispute with backing documentation, Equifax instead used the XXXX   system to yet again verify this account. 

As this account was wrongfully verified I would like it immediately removed and deleted from my credit report. Also for each time I disputed this account, whether it been by mail or online, I would like to be shown, IN FULL DETAIL, how each of these disputes came back verified or updated. If i am denied this information I will see the as yet another violation of the FCRA as negligent and willful noncompliance by Equifax. 

I intend to bring suite to Equifax, for multiple FCRA infractions and punitive damages they have caused me in pursuit of trying to get this negative account removed from my credit report.
1. The Closing Disclosure is wrong and inaccurate it does not account for the Items pre-paid by this buyer/borrower of which both invoices and canceled checks have evidenced those payments for : WDO inspection, Water Test, Survey & VA Appraisal Made by the buyer/borrower who is an unrepresented XXXX individual. ( as per SSA & VA ). 
2. And the lender appears to not be willing or able to take or accept delivery of and payment of two ( 2 ) advanced payments [ for XX/XX/XXXX & XX/XX/XXXX ] and is inasmuch instructing this borrower to make said payments payable to ( XXXX ) a subsequent [ not yet transferred to ] service entity for the pending ( set to close on XX/XX/XXXX ) mortgage.
today XXXX ocwen called to inform me AGAIN that i needed to fax them our tax returns and a letter stating when our hardship began and our application would be complete. i have faxed it XXXX times now along with the letter of hardship. this is ludicris. i have never in my life seen something like this. this is exactly what ocwen did to us when they told us if you want help you must fall XXXX months behind and we did and after we called for help and we sent in a complete application they just kept wanting things over and over and over again the whole time assuring us they would help us to find a resolution to stay in our home. they did this to me for XXXX months, mind you we were already XXXX months behind bc they told us in order to get help you must fall behind, now XXXX months into that help how can you get caught up. does anybody care what they do? is anyone listening to me? if i find me a lawyer that aint scared of ocwen im suing their pants of them. they better cross their every t and dot their i because if their paperwork is wrong i will fight them all the way to the top.
I asked them to verify the debt and they sent me a printout of a paper showing the amount they are saying I owe to the credit bureaus. I asked them to provide information with my signature or something from the original creditor showing that they have the right and authority to collect on this account and they have not. They put the account on my file and then sent me a letter saying they have mad XXXX attempts to contact me. I was willing to pay the debt up until they did not provide the requested documentation and after XXXX contacted the original creditor and they informed me that no such account exists in their file.
Opening a checking account with M & T bank responding to an promotional offer. Mentioned the {$250.00} bonus and met all the requirements. However, the account only received a {$100.00} bonus. This shall be due to banker 's mistake or bonus system error.
Called Experian and XXXX  for them to remove a ( PFD ) Pay for Deletion account on my credit report. Had an agreement with XXXX XXXX that if I paid my revolving debt off it will be deleted off my credit report so I can close on my house. It is in XXXX XXXX system so if any questions needed contact XXXX XXXX.
I am having work done on my house and checked my Discover Card account to see if the flooring company had charged me for anything after ordering my materials. I saw a couple of things on my account that did n't look right. When I looked further there were XXXX companies and a number of transactions that I had not been involved with. I called Discover Card and they put me through to their fraud department. The companies were XXXX, XXXX XXXX, XXXX 's XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX. Discover cancelled that card.
please find attached the documents and my dispute letter for XXXX of my XXXX accounts, these accounts have never been late and never been delinquent. i have disputed few times with XXXX major credit bureaus but not been successful, also have written letters to the creditor as well, still no resolution. 
please help me to remove these late. negatives from my records. 
thank you
My problem is with the servicer of my FHA mortgage loan, Loancare. I was facing a foreclosure sale date and filed bankruptcy in order to give me a chance to negotiate and be considered for government programs. However Loan Care sold my home anyway!! I then had to go through a process with the Master Commissioner to get the sale voided. Once this happened LoanCare assured me they would review me for government options for assistance. However, after sending my paperwork in they made excuse after excuse and continually lost paperwork and never actually conducted a review. They assured me my sale date was on hold but then they went and sold my home AGAIN last week! Instead of considering me for modification or partial claim or repayment plan they tried to sold my home! I wanted to file this complaint because I think Loancare is violating the servicing guidelines for a loan backed by HUD I live in this home with my wife and XXXX daughter. I was excited as a first-time homebuyer to qualify for this loan due to my income and steady employment at the XXXX XXXX XXXX. Problems started a little over a year ago when my hours were cut by 1/3rd. This was unexpected and I could not make ends meet for a time and missed a couple of mortgage payments. When I contacted Loancare to try and resolve this matter they told me they did not want a partial payment or a single payment. They wanted the whole past due amount along with late fees. I was only two months behind at that moment, but was still struggling and could not afford to make two payments at once plus all the late fees and junk fees that Loancare had added. Due to this I fell further behind. I asked Loancare for other options. I asked for the opportunity to apply for a loan modification but was told there was only one option, reinstatement in full. 

Loancare has failed to follow the rules for the servicing of an FHA loan. They have not conducted a review of my current and correct financial information nor have they assigned a single point of contact. They have not allowed me to apply for any homeowner assistance options such as modification, partial claim, special forbearance or repayment plan and have obstructed my efforts to save my home and have instead pushed me into foreclosure. Additionally, they failed to provide any Occupied Conveyance paperwork for me, which I think they are supposed to send out PRIOR to setting any type of foreclosure sale date. 

I am beyond frustrated with this company. I just wanted an opportunity to be reviewed for these programs now that my temporary financial hardship is over. However Loan Care went and sold my house instead.
I have tried numerous times to get fraudulent inquiries deleted off of all of my credit reports and I have spoke with the credit bureaus, disputed the information, and have received the same " Inquiries are a factual record of file access. '' within 2 days of filing the dispute and no resolution.
my account with XXXX has been settled. originally equifax had the information correct on my report but then changed it to open with a balance of {$400.00}. it should be closed with a zero balance
I took a personal loan with Tower loans in XXXX XXXX XXXX, XXXX, AL and six months into the loan, I realized that the company added life insurance, disability insurance and other insurance products to my account without my consent.I was never asked if I wanted to add these add on insurance products to my account.Anyway, I realized after six months of payments that my balance was higher than the original loan amount. When I called to find out why this was the case, the Manager explained that I had all these add on insurance products which I didnt sign up for.I requested for the insurance products to be removed from my account, but the Manager said that, I have to come in person and sign some documents for the products to be removed. So, on XX/XX/2018 I went to the Tower loan branch to sign documents to get the insurance products removed from my account.However, I was surprised when I called on XX/XX/XXXX, to make a payment and I was told that I have insurance products on my account.Again, I requested that these add on products should be removed from my account and the Representative told me he removed them, even though the Manager had told me before that I have to come into the branch and sign documents for them to be removed. XXXX XXXX, XXXX preys on their customer with their deceptive practices. This has to stop, otherwise I will never be able to payoff the loan.Please take action this deceptive company.
Wells Fargo is incorrectly reporting late payments on my home equity loan within HELOC for the months of XX/XX/XXXX and XX/XX/XXXX. I have been and am current and in good standing. These inaccuracies are unfortunately impacting my credit score quite dramatically ( 80+ points ). It is extremely disappointing to have these unjust discrepancies as I have been a fantastic customer.
I applied for a wells fargo credit card on XX/XX/XXXX in the branch and I was immediatly approved for a business card. I planned on making two very large purchases this week for XXXX and XXXX respectively on the card so that I could get their sign up offer of XXXX $ rebate afyer spending XXXX. 

Wells fargo shipped the credit card to my old address on file rather than the address I gave them during my application. They actually sent my debit card to the correct address they just mailed all of the credit card stuff to the wrong address. 

What makes this even more frustrating is that they also activated the card for me somehow without it being in my posession. So the 90 day clock to spend XXXX has already started ticking since the card has been activated without me even putting my hands on it. 

This is negligent. I only gave them one address when I applied for the card, and that is XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA. They sent the debit card to this address, then sent everything else tl XXXX  XXXX.