WillisBack/dataset-financial-user-claim huggingface dataset:
I applied ( straight applied ) for the capital one card. Was approved after they asked me to send my information twice. Sent the card. I tried to activate it. Would n't let me. They said it was fraudulently opened and a code was used but I did n't use XXXX. XXXX was supposed to call me back and did n't. I filed a complaint with the XXXX and XXXX called me and got information from me. I told her if they were not going to keep it open then can they remove the inquiry ( just out of good customer service ) and remove the account completely because it was never opened even though it is showing as opened now. It is showing as an account and is messing up my account age on my credit report, which it brought it down. I understand the was some kind of glitch which is not my fault. They verified who I was multiple times on the phone even after I received my card. I do t even want the account anymore. I just want the to remove the account off of my credit report completely and remove the inquiry ( just for the long drawn problem that I had in dealing with this. ) XXXX never called me a week later. I ended up finally receiving a letter XXXX weeks later and I called her and XXXX said there 's nothing she can do. But when I initially spoke with her she said if they closed it, she would remove the inquiry and account from credit report. 

I 've already closed my checking account with them as well due to this. I refuse to be a consumer with them now and in the future.
As a result of a loss of job, we were trying to obtain a loan modification. Chase continued to deny our request. When we thought they had given us a modification, it was only a hidden second, but it only modified the loan by {$170.00}, which did not help us. We decided to try and keep the home and pay the mortgage and we recently filed for chapter XXXX and we now have to pay a trustee $ XXXX monthly, which includes mortgage payments in the arrears. We continued to struggle paying the high mortgage, even though the loan is upside down ; we owe more than the house is worth ( house is in need of major repairs that we can not afford to fix due to high loan and no equity in house ). Additionally, the house was appraised at a lower price than what the existing loan was. We are both retired and receive monthly pensions and can not afford the mortgage and paying the trustee. We were hoping that Chase would lower our mortgage payment but once again we were denied. They are unwilling to help save our home.
When I make payments they are not processed properly so that it shows I am always late by a few dollars and New late fees are added. I pay those fees to just get rid of them and then next month there are new fees and they tell me the additional money paid was either put towards principle or in escrow by mistake. A mistake is once not over a time of 2 years. This is clearly a purposeful, illegal violation of my rights. I am stuck and do not know where to turn. They have wrecked my credit and no matter who I talk to it never gets resolved. Most recent, monthly bill was XXXX was told was late 2 months. I said pay what I need, they said XXXX. I said ok, then 10 min later on same call, oh you didnt owe that, you owed XXXX. I said just put the extra towards principle and then the regular amount will be due XXXX before the XXXX. I get the paper statement for the XXXX payment and its for XXXX with another XXXX in late fees and more bad credit reporting. Please help!
Hello, On  XXXX / XXXX / 17  I initiated the opening  of Citibank che cking account to take part in a promotion that was for {$300.00} to put {$15000.00} into the account as well as have a direct deposit or purchase of {$250.00} on the account within 45 days. I still have their email communication from  XXXX / XXXX / 17  stating, " We will be contacting you wi thin 5-7 busine ss days about the status of you application. '' On  XXXX / XXXX / 17  I was received their first email stating, " Congratulations! You are on your way to beco ming a new Citibank account holder. There are however, a few more step to complete before you can start using your account. '' I had loaded the account with the required {$15000.00} and made a Direct Deposit t hat hit the account on  XXXX / XXXX / 17 . I reached out  the Citibank on num erous occasions to see when the bonus would post. The representative stated I fulfilled all of the requirements and would receive my bonus after my  XXXX  statement cycled by  XXXX / XXXX / 17 . My account notes were remarked within their systems I was due the bonus.  <P/> Unfortunately, I did n't receive th e bonus and contacted Citibank about this issue. They had reviewed and said my Direct Deposit did n't post until the 46th day when it needed to post within 45 days of account opening. Citibank and I do  not agree on account opening day as they state my account was opened on  XXXX / XXXX / 17  but I did n't have access to the account at that time. Their own team will confirm it can take weeks for an online application to be reviewed and opened. I w as also told on two separate occasions by their support staff that I would receive the promotion. I had been holding this account open with {$15000.00} and direct deposit to obtain this bonus and to not be declined for the bonus is inexcusable by Citibank. Please escalate with Citibank
I am writing regarding a Debt Collector, Howard Lee Schiff in XXXX CT. I am in receipt of a letter from the firm that they will be filing a lawsuit against me for their client on a bill that I believe to date back several years. 

They have provided no information on whom they represent as their client so I am not sure what this bill is regarding. Back in late XX/XX/XXXX I was a casualty of the financial crisis and fell behind on a few bills that I have worked to clear up. However I have not had any delinquent accounts since at least XX/XX/XXXX.
I have contacted the creditor called XXXX directly and they submitted completely erroneous information and TransUnion is non responsive. The original creditor has advised me they are at fault but have no direct method of letting TransUnion know of the error. That I have to submit this information to dispute the information is not ethical there should be more transparent avenues for creditors to let TransUnion know that it must be corrected. That I must dispute this and then wait for an incredibly long time for it to be resolved creates liability issues since my other creditors could react negatively to the incorrect information. I have attached the account information in the attached document.
I have paid XXXX XXXX now Navient every month until recently when I became unemployed and my wife could no longer afford to make payments to them on my behalf due to medical bills. I called Navient several times to see if I could request a financial hardship. They proceeded to tell me there was nothing they could do. I would just have to make the payments. I receive approximately XXXX to XXXX calls per day from them requesting money. Are there any options that I can take as to keep my credit in tack, thank you.
There are XXXX judgments on my credit report that do not belong to me and I have disputed them directly with the credit bureaus and the court house and no one has seemed to provide me with XXXX legal validation that they are mine and I owe the money. There are no original creditors accounts on my credit report for these judgments and they are causing grave injury to my credit report and score. The judgments are as follows : Court : XXXX County Special Docket # : XXXX Plaintiff : XXXX XXXX XXXX Balance : {$1400.00} Court : XXXX XXXX District Court Docket # : XXXX Plaintiff : XXXX XXXX XXXX XXXX Balance : {$750.00} Court : XXXX XXXX District Court Docket # : XXXX Plaintiff : XXXX XXXX XXXX XXXX Balance : {$730.00}
Fedloan is trying to collect for loans against me that have no master promissory notes. Years worth of loans they say I owe, but they have no records of promissory notes for. 

I 've repeatedly asked for documentation that those loans are actually mine, and they referred me to my school. The XXXX fifth time I made the request for documentation, they sent me a fraud packet. Fedloan said my only option is to declare fraud. 

I think they are trying to collect on loans that I never agreed to. I do n't know if it was the school that made the error, or Fedloan, but there are tens of thousands of dollars in loans I never signed promissory notes for, and I get nowhere when I try to get answers.
This account was a Judgment filed against me 10 years ago. I received a notice of a Levy from our bank account. We are retired and sick and they took the money from us. The money on that bank account was from our retirement check. The judgment was under my name not my wife 's. I have tried calling on several occasions the attorney XXXX XXXX XXXX STATE BAR # XXXX who was handling the case they never called me back or picked up the phone. I called again National Judgment recovery and they told me that they change lawyers they gave me another name XXXX XXXX STATE BAR # XXXX and to this date he has not responded. I really need help to resolve this matter. No one seems to care about our situation and this lawyer is taking advantage of this case that it is already expired. CAUSE # XXXX, XXXX I just received a letter from this attorney XXXX XXXX XXXX XXXX, 2017 saying they wont respond with a validation.
1. This loan ( from Prosper Company ) was not strictly a mortgage. It was a debt consolidation loan for {$15000.00} and the rate promised me was 15.41 %. They took out 5 % of the loan as some sort of fee which made the loan amount {$14000.00}. At a three year rate of paying {$520.00}. a month I will be paying a total of {$18000.00} which is an interest rate of 24.6 %, ( based on the total loan amount of {$14000.00}. ) not 15.41 % as promised. At that rate I never would have taken the loan. It is the same exorbitant rate the credit card companies were charging. 
2. I would like the {$750.00}. ( origination fee? ) returned to me. And I would like them punished for dishonest business practices.
I received 2 phone calls in the moth of XXXX for a company titled GNC. ( I think that is the name never received anything in writing ) When I asked what was it in reference to they would not give me any info stating I had to verify who I was first. I said to them, I just confirmed my name but I will not give you my address or DOB and I do n't know who you are. I even asked for a website. Nothing given so I politely asked not to be contacted by phone but to send correspondence by mail. In XXXX I received a hit on my credit report for a collections from XXXX. Long story about this with sprint I will explain at the end. I called XXXX to ask why I was sent to collections when they had just corrected my bill to the right amount the beginning of XXXX. I was told by sprint my account was at a different office and given a number to contact them. I called the number provided XXXX and low and behold it was GNC or whatever their name is. I asked to speak with a supervisor received a call back and she proceeds to tell me there is nothing she can do and ironic her office tried to contact me but I refused to give information. I told her is it normal for a representative to call and not verify who or why they are calling. I told her if they said they were calling on behalf of XXXX I would have been more inclined to talk. The manager tells me they have to protect their clients privacy. What about my privacy ... That was stupid right there. So I then asked her ok this is more trouble than it 's worth. If I pay it will this be removed she proceeds to tell me no. They will just report it as paid in full. First I was unfairly sent to collections and then you wont remove it. " Now on to how we got here '' I canceled my service with sprint on XXXX/XXXX/15 and they sent me to collections on XXXX/XXXX/15. In that time sprint had sent me a bill for {$1400.00} which was {$600.00} over what I owed. I called sprint numerous time to correct this and spoke to numerous representatives. Finally on XXXX/XXXX/15 it was corrected to what I truly owed which was {$730.00} but on the same day they sent It to collections. I never even received an adjusted statement to be given an opportunity to set up the correct payment. I called Sprint 6 times today and no one was willing to fix this problem. I have been totally railroaded by XXXX and the collection company. I had no problems paying what I owed but I wanted a correct statement. XXXX also never gave me credit for my original phone that I turned in so I am very XXXX off at this point.
I am hoping that someone from your office can help me with something. I have several collections on my credit bureau 's, but their not 7 years or older. I have paid them all off and they have zero balances. My wife an I are trying to buy a home, but some of the companies refuse to delete the negative history ; or delete the trade line. Each of these companies tells me that it is in the Fair Credit Reporting Act that they " must '' keep it on my report for the 7 years. The aggravating thing is that they also said that if I would have sent them a letter saying that I'm willing to pay it off " if '' they will delete it ; then they would take it off my report. But now that I've paid it, they claim they will not delete. Isn't that a double standard? I have been wrestling with them for 60 days now and I'm exhausted. I am a good man who has worked hard to " right '' my ship and be responsible. All I'm trying to do is buy my wife and children a home. I have already disputed the collections, but I'm running out of time with the offer my wife and I made for the home. All of my numbers are good ; i.e. debt to income, cash flow, my employment, and the price of the home is well below what it will appraise for. But I can't seem to do anything to get my credit score high enough to get approved. Please help me. Thank you.
XXXX XXXX Transunion shows XXXX flagged account " Unrated or Bankruptcy ''. 
Have {$0.00} Balance and No Account Records Available. 
Contacted XXXX/XXXX/2016 WHEN NOTIFIED BY MYIDcare. Called XXXX XXXX ( XXXX ) She could find no records and said " I would have to file a complaint with the Credit Bureau to have the submission removed ''. 
XXXX
I am facing foreclosure and I would like to have a principal reduction. I requested a modification packet and still has not submitted it to me. This is a FHA Loan and was bought out by the Federal Government.
I opened an account with Bank of the West a couple of months ago. The manager of the local branch was extremely rude to me and made veiled threats to make sure my deposits weren't made available to me. Her representative cursed at me, screaming " XXXX XXXX! '' at me because I told him he was being rude to me. Later, I tried to complain to the bank and I was met with apathy and more rudeness. I was extremely irate - this isn't about a lunch order - this is about a bank employee making me feel threatened and unsafe having my money in her hands. The Executive office said they'd call me back in 3 days. They never did. Instead, they sent me a letter that called me abusive and said they did nothing wrong. Today, I tried to use the ATM at that branch and it took my card. The branch manager wouldn't even try to retrieve it and said I can't have it back until next Tuesday. Again, she was rude. I questioned whether she was denying me my card because I had complained about her. She said she didn't even remember me. I reminded her that her employee cursed at me. She then started yelling and saying it didn't happen. I yelled back that he admitted it. She then threatened to set me up for fraud and have my account closed. I did file a complaint with the bank, but, considering how they responded the last time, I doubt I'm going to get any sort of authentic response from them. This branch manager has threatened me and my account twice now. She also told me that NO MATTER WHAT, that employee that cursed at me would not be fired. I asked her why - I couldn't think of any other reason that someone would protect someone like that unless they were sleeping together. She went ballistic and now she refuses to give me my card back. I don't want this woman to have access to my account. She's threatened to set me up for a crime. I don't trust Bank of the West to do the right thing. They keep calling me, their customer names, and excusing their employees who cursed at me and threatened me. That's insanity.
Complaint for attempts to collect fees paid at time of rendering services by XXXX XXXX XXXX XXXX XXXX. ( several years of attempts! ) After being bombarded with collection agency notices for five separate {$30.00} fees from nearly a decade ago ( total {$150.00} - {$180.00} ), I contacted the company and told them these fees / debt was paid at the time of services being rendered. The attempts to collect increased as they did not even attempt to appear to verify my assertions that these were paid at time of rendering. The attempts by XXXX, a debt collection agency, increased and now phone calls were added. I dug through my old records and found the appropriate records of these payments. I next contacted the medical facility were the services were given and fees paid for by myself. This required over an hour of digging through records, organizing them and contacting the provider, XXXX XXXX XXXX XXXX XXXX ( now operating as XXXX XXXX ) spending nearly a quarter hour with them and their many, many phone transfers, delays and more as they tried to find someone who would address my situation. I was able to eventually speak to someone in accounts that had relevance to my collection harassment basis. I cleared up the matter and emailed/faxed copies of my payment receipts from the dates noted for " collection. '' They agreed these records show the payments their records failed to reflect. Their records were flawed, not my payments. Fortunately, I keep records or I would have no evidence of payment. Their collection attempts began again in a most harassing manner. I have had to put several hours into dealing with their incompetency in record keeping and the average person would have to pay them again and again for the same debt. They appear to use old debts that are difficult to validate payments and insists they have not been paid. Their repeated efforts, even after proven paid, indicates a nefarious behavior on the part of the collection agency, or worse, or a callous indifference to the public at the least. Their incompetency has cost my several thousand dollars in lost time, and untold costs for their repeated efforts based on incompetent records, all of which hyper inflates health care cost in this microcosm, multiplied nationally and were talking $ billions and hundreds of thousand son people losing time, personal or productive, It is their time, it is my time. <P/>When a company continues to harass a patient for fees long paid, something is terribly wrong with the administration all the way to the proles blindly making debt assertions, damaging the public and the individual, this time it is me.
This complaint is in response to my previous complaint (  XXXX  ) which Transunion are failing to rectify and/or provide an adequate response.     In Transunion 's previous response they state - " We have reviewed your complaint along with the information you previously provided regarding this issue. On  XXXX / XXXX / XXXX  you contacted us disputing the accuracy of  XXXX  #  XXXX . As a result, the item was removed from your credit report. Please be advised, it is TransUnions policy to remove disputed authorized user accounts as you have no legal liability to pay the debt. '' Both myself AND  XXXX  have already advise d ( multip le times ) that the dispute was lodged in ERROR and that it should be removed from my account. Both  XXXX  and  XXXX  have honored this request and are re-reporting this account  XXXX  #  XXXX  on my credit report  YET Transun ion are still refusing the re-add the account despite multiple requests from myself and  XXXX  to do so. I do n't know how much more clearer we can be that the dispute regarding the balance showing was an error. I did not realize that  XXXX   XXXX  took 30 days to update their statistics.     My wife and I a rrived in the US  in  XXXX  and as I was unable to apply for a credit card my wife opened this account (  XXXX  #  XXXX  ) as the primary and added myself as an authorized user so that I could build credit. This is the only and longest holding account that I have and by removing it from my Transunion credit report means I show no accounts and therefore m y credit score  dropped from  XXXX  to just above  XXXX .     What is unclear is why  XXXX  and   XXXX   have had no problem re-reporting this account YET Transunion continue to refuse to re-add it DESPITE  XXXX  and myself and the primary account holder ALL explaining that the dispute was simply an error.     If Transunion continue to refuse to report this accou nt (   XXXX  #  XXXX  ) I will be seeking legal advice as to whether or not you are violating my rights and reporting incorrect information on my account. Since this has been ongoing from  XXXX   XXXX  I will certainly be seeking emotional and physiological damages for the stress this situation has caused me along with the fact several loan applications have been denied because of my lo w credit score  provided by Transunion.
On XXXX XXXX, I submitted my deposit from XXXX, a non-profit where my position is publically grant funded, for around {$2200.00} ( I ca n't access my paystub from my computer ) to Bank of America. That day, I was able to spend around {$80.00} but did not try to use until XXXX XXXX ( to buy XXXX presents and groceries ). When I tried to pay for groceries, my card was denied. When I looked on my phone for my funds, making sure I did n't overdraft, it had my account locked and I called Bank of America. They said I would be able to access my funds from a week from my deposit. The next Tuesday, I went to Bank of America in person to close my account and receive my funds, but my account was closed and I was n't notified. When I asked why my account was closed and where my funds were ( roughly {$2100.00} ), they called the Risk Dept. which told me they flagged my account because my check had been thought to being tampered with ( my check is again from a XXXX ). They said on XXXX XXXX, they would either send me a cashier 's check for what is in my account or discuss the fraud. Today, XXXX XXXX, I called and asked where the check has been ( since it has been two weeks and it should n't take that long to put a check in the mail ). I talked to three different people, totaling around an hour, and ended up being sent to the " escalation dept '' - however, I 'm a social worker and made it to stay calm during the whole process. I was told from one person that in order to gain my funds, I needed to send a letter from my organization telling Bank of America the check was legitimate ; I was then directed to another department and told they were going to email the people who hold funds, could n't talk to them, and in 1-2 days I needed to call them and see what actions I needed to take in order to gain the funds " I believe are not fraudulent '' ( again, I work for a non-profit organization and have no past of criminal or fraud records ). I asked during this time, why was n't I notified, why I was told they would send a check XXXX ago but not notified of any actions, why I have to initiate all of these actions to funds they are holding even if they are legitimate funds.
Good afternoon my name is XXXX XXXX someone else is using my Social Security the name is SYNCB international credit cards/ airlines as shown on my credit report. I already contacted XXXX. I fax them with all the poofs I had. But they keep coming back on my credit report with the same name. I really need a help. Thanks