WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, I mailed letters to the credit bureaus, asking them to investigate errors on my credit report. They are supposed to respond inside of 30 days, but they have not.
I applied for Bank of America XXXX XXXX Visa Signature card, which was prominently advertised as having a XXXX mile sign-up bonus and {$100.00} statement credit as incentives after {$1000.00} in spend on the card. I was informed that I was approved for the card, and at no point did they mention that I had actually been approved for a different product. Fast forward to me having met the spending requirements, and I find out I had actually been approved for the XXXX XXXX Visa Platinum card, which only offers a XXXX miles bonus and no statement credit. 

The physical appearance of the XXXX cards are nearly identical ( the only difference being a small word " signature '' or " platinum '' in the bottom-right corner ). The only mention that you might be considered for alternative products is buried deep in the fine print of the application ( I had to go find it after the fact ), and there is no way to opt out of consideration for the alternative product. I have never seen any similar process with any other major card issuer ( and I have had cards from XXXX, XXXX, and XXXX XXXX ). This feels like a deliberate bait-and-switch, and many other feel similarly, from reading online.
On XXXX XXXX me and my wife along with a couple of friends took a cruise why on the ship we attended a XXXX XXXX art auction. They offered free art if you apply for a credit card explaining that no strings were attached so i did little did i know about XXXX weeks after i return home they would start billing me for art work i never agreed to purchase .First the company said my wife purchased it using my card then when i explain to them she not authorized to make a purchase using the card i was told because we share the same address they can allow her to make the purchase.When i file a written complaint they attempted to show paper work that forged with a fake signature that not even how i write my name to make things worst they say out of the four pages signed only one has a G as the signature i always use my full name and i would have signed every page of the purchase and not just one
There are banking irregularities at XXXX Bank, the spawn of XXXX which was fined for banking fraud issues. I experienced intolerable delays while trying to fund XXXX XXXX IRA 's for myself and wife.The money was being transferred in from XXXX different sources and was to be placed in a money market CD accounts until funds were received. Customer service was horrendous. When the funds arrived, I was told they would remain in the money market accounts until I directed other wise. Because of the customer service issues, they were told XXXX to leave it in XXXX account status. The fact that they had no idea where it was supposed to go was incredulous! That 's how the conversation with them began. Do they think I 'm moving money around only to later figure out what to do with it? I took steps to get the money out. About the time the money was to come out, I learn that the bank has placed my account in an XXXX month CD! They want me to pay a penalty to get it out! They have been floating themselves a loan at my expense and now want penalty money! There is a total lack of communication at the customer service level. The problem for them is that my wife 's account was transferred out to the new bank! This is correct, but how does this happen simultaneously? I was personally giving direction for all funds simultaneously. Complicate all this with their online security issues and gaining access to your account! We could n't get into my wife 's account all weekend. Hideous is the only way to describe this experience. Or perhaps people at the top of the bank XXXX XXXX of dollars of funds around to take advantage of float. Every delay worked to their advantage. Multiply this by XXXX of XXXX funds containing XXXX of dollars. Something rotten is going on at Synchrony.
i applied for XXXX personal loans on XX/XX/XXXX it is saying that i have XXXX inquiries thats not right
Medical bill was paid in full ... XXXX.. $ XXXXwas paid to XXXX XXXX XXXX on XX/XX/18.. {$400.00} was paid to XXXX XXXX onXX/XX/18.. no idea why it went to collections..no idea why it was even put in collections, or even removed..it just showed up week of XXXX..no bills nothing..paid in full months ago ...
since XXXX, capital one have been pulling my credit putting hard inquiries on my credit without my authorization. 

According to my most recent credit report, the company is currently reporting to the three credit bureaus that I had applied for credit with their organization. I do not recall granting them authorization to review my credit report. If so, they should provide signed documents signed by me where i authorized them to do so. 

Otherwise, they have to remove it as soon as possible. 
These inquiries put my credit down 40 points. since XXXX, i've been sending dispute letters to them through the bureaus ; i've contacted them by phone, but still they haven't taken any action. 

These are the following INACCURATE inquiries ( Validation is need ASAP ) : CAPITAL ONE TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX CAP ONE TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX CAP ONE TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX Capital One Bank Usa TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX Capital One TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX XXXX
My husband and I XX/XX/XXXX XXXX XXXX and Prestige Financial XXXX, UT XXXX was our lien holder account number XXXX. We purchased the car in XX/XX/XXXX. I was in a accident the person that hit my car had XXXX insurance. XXXX gave me a list of companies that guarantee there work here in XXXX, Il so I choose XXXX XXXX. We originally owed XXXX on the car and the damages was XXXX the car was fixed and about 1 year later the car stopped so I called XXXX and they came and towed the car I was told that the transmission went out and the car had XXXX miles.At that time we could n't afford to get the car fixed and make the payments. We informed Presitge, the car ended up being sold to XXXX. We never received a certified letter saying the car was going to be sold. According to Illinois repossession and legal aid they should have done commercially responsible resale which goes under section 810ILCS 5/9-625. Prestige should have sold the car in a auction or made it public instead they sold the car to Prestige Financial for a lower cost instead of the highest bidder. Prestige Financial took us to court and we were not able to go to court so there was a judgement of XXXX against my husband and I. Which we only owed XXXX to began with. I do n't think it 's far that Prestige gets XXXX from us and they sold the car a car that we will never have. Prestige has also been garnishing my husband pay checks
XXXX and Experian are ignoring my requests to investigate, verify and remove accounts and addresses from my credit reports that do not belong to me.
On XX/XX/XXXX I sent letters to XXXX, XXXX, and Transunion requesting that they add five consumer credit accounts to my personal credit profile, and asked that they reply when the information had been confirmed and updated. To this date, XX/XX/XXXX, I have not received a written response from either one of the Credit Reporting Agencies.
In XX/XX/2007, I moved to XXXX XXXX XXXX XXXX, a brand new apartment complex in XXXX XXXX, FL. I signed a lease for a year. My rent for my 1 bedroom was well over {$1000.00}. I think it was $ 120- {$1300.00} a month. Im a complete germophobe, which is why Im willing to pay over {$1000.00} a month for a 1 bedroomfor a new apartment. When I moved in, there were dirt marks and other unknown stains in the tub, on the toilet, and in the refrigerator. I complained about it to the leasing office, and the told me I could move apartments but Id have to pay a moving fee. I didnt think this was fair, so I moved out of the apartments within the same month, but I was hit with a {$4000.00} fee. 

Currently, National Credit Systems, a collection agency, in XXXX, GA has my account. Ive tried contacting them, but they refuse to answer simple questions. I called last week to resolve the debt and a XXXX XXXX answered the phone. She wouldnt let me get out a single word. She wanted to do all the talking. When I was able to utter a word, she hung up on me. 

What Id like to see happen is this debt fall off of my credit report or go to another agency because the current agency is unethical and volatile.
On XX/XX/2018 a letter was sent to XXXX XXXX XXXX   to verify " debt '' notifying them they had 30 days to reply with all 7 items required by FDCPA or to remove " debt '' from credit reporting agencies. Neither happened and calls have continued to try to collect.
Approximately 6 months ago a pop up came up to apply for the new Paypal cash back card when I signed into paypal. The card is supposed to pay 2 % cash back on all purchases. All the paper work, my monthly statements and the card itself state this. But evidently internally to the company it does not pay 2 % cash back.I have been promised a call from a supervisor numerous times and have never gotten one. I would like the company to be honest about what is going on.
Customer service representatives are not helpful in answering questions regarding Public Student loan forgiveness. In XX/XX/2012, representatives stated all you had to do was fill out & send the Employment verification form. They never looked into the loan type to determine eligibility or guided to the right type of loan that would qualify for forgiveness.
I have a loan through ACS for less than {$1000.00} left as I have overpaid on it each month. I got an email on XX/XX/XXXX stating that they were going to be changing the name to Conduent but stated that there would be no changes to my account. I was able to log in and make my last payment on XX/XX/XXXX. I tried logging into my account MULTIPLE different times all throughout XX/XX/XXXX and XX/XX/XXXX and each time I try to log in to make a payment it says the website is " Temporarily Unavailable. '' I have tried typing in my social security number to try and get my account number to call ACS and the website states, " We are unable to find your social security number on our system. Please check that you entered it correctly. '' I have tried calling all of the numbers that I could find on their website and from XXXX. The numbers I have tried are XXXX, XXXX, XXXX, and XXXX. When I call, the recording only gives two options to move forward ; enter in your nine digit account number or social security number. When entering in my social security number and birthday it states that it does n't recognize it. 
I have no idea how to continue paying off this loan when I ca n't access it. I tried emailing them but in order to email ACS you must have your account number or it wo n't go through, which I do n't have. I checked through all of my previous emails and have never received an account number. I used to get emails from them each month stating when my statement was ready to be viewed and paid and the last statement that I have received is from XX/XX/XXXX, when I was able to make a payment last.
The following accounts have been previously removed but keep reappearing on my credit report. The following companies have been removed from the report several different times but keep reappearing with old reporting dates.    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   US Dept of Education   XXXX   XXXX   State Tax Lien   XXXX   XXXX
Dispute with XXXX XXXX On XXXX XXXX, XXXX, I contacted XXXX XXXX to initiate Internet and phone service. I was told I could use my own modem for the internet. They were supposed to turn on service but did not activate it and in calling them a number of times, I found out that I did need to use their modem. Since I was leaving town before that could be done, I cancelled my request for service. I talked to XXXX who confirmed the cancellation and gave me a confirmation number of # XXXX. Meanwhile, I retained my internet and phone service with XXXX XXXX XXXX XXXX now XXXX XXXX putting the phone on a seasonal hold, cancelling cable and keeping the internet active to use with my security camera. 
In XXXX XXXX, I got a bill from XXXX XXXX for {$100.00}. I called them and was told that it was a mistake and that it might take a few cycles to cancel the bill. They could see the account was never activated. 
In XXXX and XXXX XXXX, I got more bills showing I owed them {$100.00}. Each time, I called XXXX XXXX and was told it was an error and they would take care of it. 
On XXXX XXXX, XXXX, I got a letter saying I would be turned over to a collection agency if I did not immediately pay the {$100.00}. I called XXXX and found out that they had already sent my bill over to the collection agency and I would need to call them. 
On XXXX XXXX, XXXX, I called Credit Protection Association ( CPA ) at XXXX XXXX and spoke with XXXX XXXX, who said he would initiate a dispute on my behalf. My CPA reference number is XXXX. 
On XXXX XXXX, XXXX I got a letter from XXXX, saying a dispute had been filed with XXXX XXXX. 
On XXXX XXXX, XXXX, I called XXXX XXXX and spoke with XXXX XXXX XXXX XXXX. He said the dispute could take 24 hrs to 30 days but he had adjusted the amount owed to {$0.00}. He said because the bill was over {$100.00}, it had to go thru a more rigorous process. XXXX assured me it would be taken care of and gave me his personal extension of XXXX. 
I made three calls beginning XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, to XXXX and left messages on his voice mail saying that I have been getting almost daily calls from CPA about the collection. He never returned my calls. 
On XXXX XXXX, XXXX, I got another letter from CPA saying that I will be reported to the credit bureaus in approximately 30 days, if I do not pay. 
On XXXX XXXX, XXXX, I called XXXX XXXX and talked to XXXX, I asked for a supervisor and she connected me to a Florida office and I talked with XXXX. She said she could see that my account was not activated but I would need to be transferred to a collections supervisor. She also suggested calling CPA and filing a dispute. I told her I had already done that and filed a dispute with XXXX as well. She attempted to transfer me to collections and I got disconnected. Despite the fact the XXXX took my home phone number down in case we were cut off, she never called me back. 
I currently have an excellent credit rating and if this matter is turned over to the credit bureaus, it will be negatively impacted. Someone, please help me to stop this harassment for a bill I do not owe.
On XXXX - I sent a letter to XXXXXXXX XXXX XXXX requesting back up from debt Did not receive any information back Company stated they do not have enough information from me to verify debt.
on XXXX - I made a 2nd complaint to CFPB that if the company can not verify the debt to remove from my credit report immediately Company stated once again they do not have info to verify the debt.
this was still not removed I contacted the credit bureaus to remove the information since the company XXXXXXXX XXXX XXXX can not provide back up/I have no idea what these are.
The credit bureaus informed me they can not remove unless they receive a letter from the company ... ... ... This is absolutely ridiculous if they debt can not be verified and detailed back up can not be provided then removed.
The company has enough information to report to the credit bureaus each month but can not provide back up???
REMOVE IMMEDITALEY
I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you!
I have attempted to clarify my mortgage payments with Carrington for a few months now, and I requested assistance from CFPB XX/XX/XXXX, Carrington answered my complaint XX/XX/XXXX. Unfortunately Carrington 's response, while dilligent, was not adequate. In Carrington ; s response their dates of receipt show my transferred.

I understand that perhaps Carrington hadn't set my account up in XXXX and perhaps that's why the payment received XX/XX/XXXX was not applied until XX/XX/XXXX, but that delay made the account seem 90 days late when in fact is was 30 days late. By Carrington 's records they would have shown it 60 days late because of a missed payment to XXXX. I have already attempted to address this missed payment several times with XXXX and recently filed another complaint with CFPB requesting XXXX amend their reporting and sent the amended reporting to Carrington. 
In ay of XXXX, Carrington began returning my payments. I have saved these payments in an attempt to become current with Carrington and have these payments ready to forward to Carrington. The challenge is that the numbers that Carrington is representing that I owe them is more than conusing. On XX/XX/XXXX, I spoke to representatives at Carrington and I was given three different amounts to bring my account current. The last statement that I received from Carrington shows a amount due of XXXX, but o the back Carrington details the missing payments which add up to XXXX. If I add the XXXX payment due the total is XXXX or almost 2000 difference. 
On XX/XX/XXXX, I was informed that Carrington sent my loan to foreclosure adding attorney 's fee 's and inspection fee 's which as per their statement total XXXX, still less that the amount on their statement. 
My goal is to bring my loan current and I am requesting assistance to do just that.
X/XX/2017, I paid XXXX to cover my cash advance balance with Capital One. I noticed I was still being charged 25.90 %, which is {$73.00} in cash advance interest. I called Capital One and asked why am I continued charged the cash advance interest when it shows that the cash advance balance was paid. I was told that until the total bill is paid completely, I will be charged the cash advance of {$73.00}, which is totally unfair. I request that the charges stop because it 's paid and I was declined the request.
Dealing with loanDepot 's local mortgage originator was a joy ( XXXX XXXX XXXX XXXX, XXXX ).  The person with whom we worked with took the time and effort to explain the process to us from start to finish. To lock-in a rate, we 've provided him with our personal and business tax returns, and a list of our assets and liabilities. Unfortunately, this is where our good experience came to a halt. After telling our loan officer that we 've decided to pursue a 15-yr loan instead of a 30-yr, he flat-out stopped responding. Did n't answer his phone or voicemails, did n't return our e-mail. This is a person whom we 've entrusted with our new home. To make matters worse, loandepot saw it fit to print out our ENTIRE credit history, financial assets, complete with our FULL social-security numbers, dates of birth, bank account numbers, etc. Basically, EVERYTHING you 'd need to steal identity and credit. They simply mailed these to us, by good-old US Postal Service, without tracking or signature requirements. And since the packages had so much paperwork, they did not fit through our mail slot, and were thus left UNATTENDED in front of our house, for anyone to take. At a day when identity theft is rampant, and major companies like XXXX have compromised our personal data, loanDepot 's complete lack of good judgement and care in safeguarding our most valuable information left us completely flabbergasted. I choose not to upload photos of any of these documents given how much valuable personal information they contain, but if CFPB requires them, I 'd be happy to submit them later upon request.
I recently was notified there was a " Fraud Alert '' placed on my file by Equifax. I am in the process of moving and have been denied utility service in my new apartment due to this alert. I did not request for a Fraud Alert to be placed on my file and demand it be removed immediately. I contacted the company several times about this issue and have been unable to resolve this. They requested I send in a request in writing with XXXX forms of ID. I complied with their request and the Alert remains.
AMEX, specifically XXXX, XXXX or XXXX has been calling my work, my sister-in-law 's business looking for me. I am making payments on time. I have spoken to them and told them not to call me at work. Yet they continue.
I have continuously sent letter to the reporting agencies regarding my credit history and XXXX score. I have very little on my credit report less than XXXX in overall debt. Once credit card I have been fighting for months they refuse to remove. I did receive this card and closed it the very next month. For some reason they will not remove it. I have XXXX established accounts that I have used and paid in full each month for the past 8 months. I understand that the balances are low and I do not have very much by way of utilization, However, the reporting agencies at XXXX point raised my score to XXXX then seemingly dropped it down to XXXX, this is after I managed to get {$1300.00} in extended credit, which should have spiked my score. I have been DENIED an apartment and even the ability to turn on utilities. Me and my child are facing homelessness because these agencys dropped my score by XXXX points from one week to the next when I had added to my credit utilization not taken or used any. I am outraged at their practices and unfair lowering and raising of scores. I feel that they are not properly adjusting my fico score considering my income {$5000.00} per month to debt ratio ( {$1000.00} ) is extremely low. AT this point I am looking at options to sue and would like some advise as to what my rights are. THank you kindly
Nelnet XXXX Servicer in XXXX Nebraska lied on my 8 year old student loan debt I closed in XX/XX/XXXX and denied my student loan to be discharged. I would like this student loan to be legally looked into by Consumer finance because the Authority and Supervisors for this Nelnet Company has been billing and charging me late fees and need to waive this because they lied and kept my documents that supported the student loan account number XXXX to be removed the Nelnet account number for me is XXXX was under review by XXXX discharge since XXXX XXXX I was no longer to be billed and they reopened a closed account since XX/XX/XXXX. I am filing this complaint to receive justice and on my credit report they lied to all three credit bureaus and put bad remarks on my credit and I have no longer been able to be financed correctly this Nelnet Student loan is not even showing I ever made one payment and their supervisors lied about the amount of payments I make after XX/XX/XXXX their was a ton of interest charged on this closed account. Their was a hurricane that destroyed my home address and I moved and closed the account a month after I could not finish the courses online the funding was enough to study for less than a few months and not even enough to live anywhere. Nelnet is not legit I have disputed this civil debt as a civils issue in XX/XX/XXXX I provided them my Award Letter in the application and their in my personal business and I do n't want nothing else to do with them in XXXX XXXX. Their legally not allowed to have my identity their is Nelnet workers who have stolen around the time my Identity was on file with their Company services even before XX/XX/XXXX. Stop charging me interest for XXXX years but the Law has let Nelnet do this to only me as the Consumer. Filing this Complaint to get justice.