WillisBack/dataset-financial-user-claim huggingface dataset:
This complaint is in regards to US Bank and their XXXX XXXX XXXX   XXXX Card : Background : In XX/XX/XXXX and XX/XX/XXXX, I received multiple offers in the mail and via email. I received one advertisement/offer that stated I would get 0 % APR on purchases for 12 billing cycles. A few days later i saw another email that was offering XXXX reward points for signing up. I preferred the 0 % APR offer so I applied through that email. I was approved in XX/XX/XXXX, i started using the card immediately. In XX/XX/XXXX, I then noticed that i wasn't receiving 0 % APR i so i called and spoke with multiple customer services reps and they were completely awful, they sounded so inexperienced. I then faxed a letter and sent them an email stating my frustration about not receiving the 0 % APR. 

In XX/XX/XXXX, i received a response and letter from US Bank president or vice president.. She said that i actually was approved for the XXXX reward points and NOT the 0 % APR. I said " okay.. that's fine, I'll take the XXXX points then. The letter also stated that i would receive the points in the next cycle ( certificates are mailed out in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XX/XX/XXXX rolled around and no certificates were mailed out, i haven't received anything. 

It's now end of XX/XX/XXXX-XX/XX/XXXX and I still haven't received ANY REWARDS certificates. I was told by a rep on XX/XX/XXXX rep that i would receive them and they were mailed out on XX/XX/XXXX. After waiting a few weeks i called again and I was told by a supervisor on XX/XX/XXXX that there was a system glitch that prevented me from getting the certificates.I just feel like I've been lied to. I was supposed to get XXXX reward points for signing up for the card and I didn't receive any certificates for that. I've now accumulated over 30,000 reward points and haven't gotten rewarded for my usage of the card. I also sent an email to US Bank on XX/XX/XXXX and haven't heard back from them This is completely misleading and if I had enough money i would attempt to file a lawsuit but i'm just an average middle class american trying to survive and I mainly use this card just for groceries at XXXX. I'm extremely disappointed.
I currently have a Bank of America first mortgage and I have been trying to refinance my first mortgage. 

Once the refinance process was started and title work was initiated it was discovered that there was a lien on my property as a second note.. Bank of America did do a modification to my loan in 2013 in which the payment and terms were adjusted. During the negotiation of the modification Bank of America never stated that they would be placing a new/2nd lien on my property. 
I have spent over eight months trying to identify who owns & services this lien and how I can achieve a payoff. I have contacted Bank of America, HUD and FHA on numerous occasions and none of them will take ownership of this second lien. Bank of America has told me numerous times that they do not own the lien and do not know anything about it. HUD and FHA have both told me several times that they are not servicer 's of loans and do not hold notes. 
So at this point I am very frustrated with Bank of America, HUD and FHA because I can not get any answers on this lien on my property. If no one owns this second then how and why is showing on my title??? 
With this Phantom lien on my property I am not able to refinance my mortgage nor would I be able to sell my home if I wanted to or had to. I am stuck and feel scammed.
I recently found a copy of my credit report from  XXXX . This is the year I filed the medical malpractice law sue. My date of birth have been changed to  XX/XX/XXXX . My employers shows  XXXX ,  XXXX ,   XXXX   XXXX   XXXX  . That year my address was   XXXX   XXXX   XXXX    XXXX  TN  XXXX . Reported XX/XX/XXXX .   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  TN  XXXX , reported  XX/XX/XXXX .   XXXX   XXXX    XXXX  TN  XXXX . Reported XX/XX/XXXX . I was discharged from wage earner  XX/XX/XXXX  Case number  XXXX  I filed bankruptcy in  XXXX  case number   XXXX  . There was a judgement in  XXXX , that number was  XXXX . I am formerly known as   XXXX   XXXX   XXXX  , aka   XXXX   XXXX   XXXX  , aka   XXXX   XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Address ID XXXX Account number listed XXXX .... is listing account as XXXX $ as of XXXX/XXXX/XXXX date open XXXX Is falsely reporting to my credit as account closed/written off as of XXXX. 
I have sent certified mail to verify this account and was returned on XXXX and again XXXX/XXXX/XXXX which was recieved but no response to verify the account was legitamate and in fact my account. 

XXXX XXXX XXXX. Box XXXX XXXX, sc XXXX Address Id XXXX account number listed is XXXX Balance XXXX as of XXXX/XXXX/XXXX Listed as a Debt Buyer This is a debt buyer purchasing a debt that originated as a XXXX debt. date opened XXXX This has been reported as fraudulent activity multiple times to XXXX and instead of sending me proof of the debt they sold it and stated no longer liable. 
Was reported to for both the Debt buyer and original creditor as well as all 3 credit reporting agencies to be Validated and again no responce. I will also report to FTC and BBB As this report is to be removed from all three agencies immediately and in a timely matter. 

XXXX XXXX AAddress ID XXXX account XXXX debt amount 574 as of XXXX/XXXX/XXXX this debt please remove as the above accounts tried to verify legitamacy with cretified mail and requests to credit agencies and no responces. This account is also going to be reported to FTC and BBB for both agency and credit bureaus for non compliance. 

MY REQUEST ARE FOR THESE ACCOUNTS TO BE REMOVED IMMEDIATELY AND IN A TIMELY MANNER i have numerously requested the credit bureaus to do the same and the disputes come back as complete but no proof is still given. I have opened a case with the BBB and the FTC over the accounts and the Practices of the credit Companys reporting. I want the account in question removed from all three credit reporting agenies immediately.
Through my XXXX XXXX Credit card, I have access to credit tracking using TransUnion credit information. Recently, TransUnion moved from TransUnion New Account Model where my credit score was around XXXX ( XXXX ) to XXXX XXXX where my score dropped to XXXX ( XXXX ). The new model shows excellent for on time payments ( a strong impact on your credit score ), excellent on oldest credit line, average on credit used, average on New Accounts, XXXX on Available Credit, and XXXX XXXX on recent inquiries which has a low impact on a credit score. I can not figure out how I can have a below average score with average to excellent scores on XXXX factors and XXXX below average on a factor that has low impact on a credit score. 
I contacted TransUnion for clarification and was told 'the computer calculates the score ' so there is nothing that can be done. i tried to explain the computer can only do this, if there is a human creating the parameters for the computer to make the calculations. The computer can not make decisions on its own but must be told how to make the calculations. I asked for a manager to call me back so I could discuss this. After a week of waiting for a call, no one has called me back. This type of error costs the consumers a lot of money from increased interest and or points on loans. In addition this XXXX XXXX product is pushing the consumer to pay for a credit monitoring service. If the credit scores were calculated appropriately many people would not need credit monitoring services. 
I need someone to look into this credit score calculation. Without regulation, these services have become very lucrative businesses
I keep disputing the payment history for XXXX XXXX XXXX accounts on my credit report. Every time I dispute they keep saying that the payment history date is right but the date changes everytime I dispute. First it was Collections XXXX, then XXXX XXXX, then XXXX XXXX, now Collections XXXX XXXX. Why does the payment history Collection date keep changing? It is supposed to be collections XXXX. I paid these accounts in XXXX and have letters to prove it. I also included reports from XXXX XXXX showing payment history Collection XXXX XXXX, XXXX XXXX report showing collection XXXX XXXX, and XXXX XXXX report showing collection XXXX XXXX. Fix or I will sue you for reporting false information! And I already called XXXX and they verified what I said and sent me the letters verifying payment in XXXX. They said I would have to fix it through cfpb.
This company has failed to send out notices or contact me. I have reached out multiple times. I 've sent emails, which get sent back. This company has a credit card that was opened long ago. I 'm not even sure it should be on my credit at this point. This company is horrible and does n't communicate. They have no desire to help the situation. I 've contact them many times.
On XX/XX/18 : at XXXX I contacted my bank to let them know that I was wiring money to family. At or around XXXX XXXX, I returned a call from a Western Union representative. I was told that the transaction was confirmed and that the receiving party could go pick up the funds which Western Union advertises as " Money in minutes ''. I have the emails showing that transaction was confirmed, only to receive a cancellation, without warning, while receiver had to wait 12 hours at a Western Union waiting to pick up the money. I wasted hours of my life, calling Western Union, answering the same questions, over and over again. On that particular transaction XX/XX/18 I was given a confirmation number XXXX. The money never made it to the receiving end. I was told, 1 hour later, that the transaction was cancelled due to security issues. Lies, lies, and more lies. Nobody knew where my US {$1000.00} went, my family member waited 12 hours at the receiving Western Union end, only to be told another unsubstantiated story. Each time I called, it was a different story. They finally conceded they had my money but it was going to take up to 7 days to get my US {$1000.00} back. Their suggestion? " Mam you need to do a new transaction ( while they had my my $ US {$1000.00} ). I asked them to either credit my money immediately as I don't have another US {$1000.00} sitting around at home. In spite numerous phone calls ( from XX/XX/18 to XX/XX/18 ), the issue was not resolved. Nobody could give me a reasonable answer. Every time I called, I was given absurd and different reasons as to why the transaction was either cancelled or delayed. Problem still unresolved.
Southwest Credit Systems has put an account in collections that does not belong to me. I have had this removed from my credit report in the past because I have proved that it isnt my account, they remove it, then wait about 6-9 months and put it back on. Honestly this is harassment. I am in the process of buying a house and this continues to be a thorn on my side that I keep needing to have removed. Please stop allowing them to abuse my credit score, my finances and my right. Thank you.
XXXX payment was not late in XXXX 2013 as per the payment history i received from the company, XXXX. equifax failed to report properly.
OnXX/XX/2018 I sent a letter to XXXX XXXX/Walmart in regards to acct # XXXX in regard to late payments and to validate the  debt. The certified mail on signed on XX/XX/2018 respond back from XXXX XXXX/Walmart was a letter copy of app with monthly statements ,no receipt of signed purchases made, no canceled checks, receipt of documents itemized bills does not constitute verification. Than I sent another letter on XX/XX/2018 certified XX/XX/2018 informing XXXX XXXX/Walmart that they have Violate the federal law per the requirement that they are to provide the credit bureau with the disclosure within the period required by law and which they have failed to do.You are required by the law to place a "notice of dispute" when you signed on XX/XX/2018 with in the 30 days required XXXX XXXX/ Walmart is in violation, The Fair Credit Reporting Act Section 623(a)(3) for not placing a "notice of dispute" within the timeframe and evidence certified mail you must now remove the item. XXXX XXXX/Walmart has since place a "notice of dispute" on credit report but still in violation because you are to place a notice of dispute on all bureau you are reporting to not your favorite one. XXXX XXXX/ Walmart has part way acknowledge there violation by the federal law but will not fully acknowledge it XXXX XXXX/Walmart has remove some of the information off of the XXXX report but did not remove all this is still violation in frauding the system.XXXX XXXX/Walmart fail to remove off of report on XXXX,XXXX credit report which is scaming the system and they do what they want to do if you don't pay attention. The copy of my report are attached to prove evidence and I have never even got a letter that they tried to part way removed off of XXXX  because they were gonna re-insert info back on with out my knowledge. 
THIS IS VIOLATION OF RULES/FEDERAL LAW THAT YOU HAVE TO ABIDE BY. TO PLACE A "NOTICE OF DISPUTE" ON XXXX,XXXX,XXXX   CREDIT REPORTING AGENCIES.THE FAIR CREDIT REPORTING ACT SECTION 623(a)(3)REPORTING FURNISHERS OF INFORMATION TO CONSUMER REPORTING AGENCIES[15U.S.C.1681s-2](a)(3) DUTY TO PROVIDE "NOTICE OF DISPUTE" YOU MUST NOW DELETE THE ITEM AND PROVIDE ME WITH A NOTICE OF THIS DELETION OFF REPORT.
PLEASE ASSIST THE COMPANY ABOUT THE LAW AT HAND THAT THEY HAVE VIOLATED.
These are NON Account inquiries, and I have requested deletion of them.
( 1 ) XXXX - XX/XX/XXXX - XXXX XXXX XXXX  XXXX, NH XXXX ( XXXX ) XXXX.
( 2 ) XXXX - XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX  ) XXXX.
( 3 ) XXXX XXXX XXXX - XX/XX/XXXX - XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX.
( 4 ) XXXX XXXX - XX/XX/XXXX- XXXX XXXX XXXX XXXX XXXX, DE XXXX  ( XXXX ) XXXX I contacted XXXX XXXX XXXX XXXX XXXX/ about removing the following inquiries that resulted from credit limit increase requests made on line that did n't indicate Hard Inquiries would be done. I was told that I could dispute them with the credit bureaus without any affect to my account with them but I was told that I could n't by the Credit Bureaus. The following are the dates of the Inquiries on my report ; XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX
My names is XXXX XXXX recently i 've checked my credit report and came across XXXX inquiries about my score i 've checked on the inquiries and they have popped up coming from different states i 've never been too like XXXX XXXX and XXXX these inquiries are from XXXX XXXX XXXX, XXXXXXXX XXXX card i would really appreciate your help and assistance in taking care of these inquiries i am worried about my credit information so please help me figure out these situation.
I applied for a American Express Card with my mother at XXXX in XXXX Wi XX/XX/XXXX my mother recently passed on XX/XX/XXXX in which I was able to make a payment in XX/XX/XXXX. I received the next monthly statement like usual in which the payment was due on the XXXX of each month I phone American Express to make a payment and was transferred to the deceased account department I explain to the representative that informed me that I had to make the payment in full that I was not able to make the payment in full and would need to set up a payment arrangement and continue making monthly payment the representative ask my a couple of more questions about my mothers estate in which I informed her that there was no estate but my name was on the account and I would need to continue making monthly payments for now the representative told me that was n't a option and told me to have a nice day and hung up I continued to contact American Express like every week to make arrangement and was transferred to this deceased department I was denied a chance to make payments on a monthly basis now I have been sent to a credit agency and the account in now in collections and I have negative reporting on my credit I set up payment arrangements with this company who gave me a number to call to stop the negative reporting I was then told that the negative reporting would continue until the balance of XXXX is paid in full I could not believe that American Express would treat a loyal customer this way I have never missed a payment and this account was current up until my mother passed and I was not allowed to make a payment unless I pay the balance in full in between my calls to American Express I did some research on their website in which it clearly stated that you could have the deceased person name removed and continue making payments I was not given any options what so ever I also explained that my mother never used her card I was the only card user but when we applied my mother had more of a credit history and was named the primary on the account I would like the negative reporting to stop immediately
Behind on mortgage with Greentree, made a XXXX $ payment in XXXX 2015 to make account current however my account info reflects that a payment of {$41000.00} and Greentree continues to add other fees to my statements saying that we still owe ie : legal fees. Have followed their reguirements or steps ( all inguiries have to be made in writing, we speak to customer serv and supervisers, managers and we are told to send all inguires or requests for account info in writing. Our account is to this day not accurate. Payment of {$43000.00} made with cashiers check, have the reciept for proof and Greentree continues to refuse to help with this matter.
I need to file a claim prior to the end of the HARP program. Please have someone contact me as soon as possible so I can file a claim against HARP as they have double charged me in closing costs. Here is my email address - XXXX. 
My phone number is XXXX. Please let me know how to proceed. This is my fourth request! XXXX XXXX
Client in the process of selling their property. A lien popped up on title from an old XXXX account. The company purportedly handling the lien is called XXXXXXXX, XXXX, TX XXXX. Despite being asked on numerous occasions to provide a payoff to escrow, they have refused. The seller ( client ) now is being threatened with a lawsuit by buyer because of this company 's actions. XXXX is in violation of XXXX XXXX XXXX XXXX XXXX and XXXX, XXXX.
On XX/XX/XXXX I received a phone call from XXXX XXXX XXXX regarding a debt owed by my ex husband per my divorce decree which was granted in XXXX. We were to each pay half of the credit card debt. I was threatened with a law suit suing me and cancelling mine and my current husband 's credit cards and seizing our bank accounts. My bank account is strictly for my income, which is Social Security XXXX, and my ex husband 's retirement, ( annuity ). She told me the amount of the interest that had accrued over the course of 19 years and then threatened to sue me in a court of law if I didn't make arrangements to pay this debt. She insisted I pay {$1300.00} down and make payments of {$30.00} a month until the amount they would settle for of {$3800.00} was paid in full. She wanted to take this {$30.00} per month payment from my credit card.I tried to tell her I thought there was a statute of limitations and they needed to go after my ex husband. After she was through scaring me and badgering me, I was transferred to another agent who advised me that the conversation was being recorded. He repeated the amount owed and the amount of monthly payments that would be charged to my credit card. They attempted to run the {$1300.00} twice on my credit card ( per my bank fraud protection. ) This man insisted I call my credit card company and authorize this payment. These people scared me and I honestly thought they were going to seize mine and my current husband 's assets along with hurting our credit.
A representative from SOCO Finance knocked on my apartment door at XXXX on XXXX XXXX, 2015. The representative continuously knocked for ten minutes and then placed a letter in the door. The knocking frightened my children as they were uncomfortable with someone knocking on the door at late hours and caused my dog to bark ferociously. Our apartment has a sign that states no soliciting and therefore there should be no one knocking to solicit any information especially at such late hours. I called SOCO Finance at XXXX on XXXX XXXX, 2015 to speak with the manager. I spoke with XXXX the manager concerning the issue. He said that he will continue to come to our house at such late hours and will come again tonight. He was very unprofessional during our conversation.
On XXXX, Diversified Consultants, Inc. forwarded me a debt collection letter from XXXX XXXX in the amount of {$420.00}. On XXXX, I contacted XXXX XXXX XXXX, supv. to inform him that if any thing XXXX owes me due to fraudulent information provided by their employee and XXXX which resulted in my XXXX destroyed. I explained that I have discussed this matter with XXXX on several occasions. And yet, to receive an intelligent response. Enclosed is a letter written to the XXXX XXXX dated XXXX XXXX, XXXX. I asked XXXX XXXX for his company 's bonding license number ( XXXX ) ; what he provided resulted in " no such record ''. Next, I asked XXXX for the contract which shows proof that Diversified Consultants purchase this disputed debt for XXXX. XXXX XXXX is unable to provide this contract. Next, I asked for all correspondents received by Diversified Consultants from XXXX reflecting that I had already disputed this account. No information of disputes were provided to his office. I asked XXXX XXXX to provide the full payment history of this account in an effort to verify the disputed debt. In the XXXX XXXX, XXXX, XXXX XXXX acknowledged that the XXXX employee provided inaccurate information which resulted in unwarranted cost charges against me, the consumer. I waited for XXXX to adjust the account but they failed to respond. Instead, XXXX obtained another collection agency. As embedded in the body of the XXXX XXXX, XXXX letter, the collection agency at that time was XXXX XXXX. This is the same fraudulent collection agency that was given a Stipulated Final Judgment and Order between Consumer Financial Protection Bureau and XXXX XXXX on XXXX XXXX, XXXX in another fraudulent credit collection case. In the XXXX XXXX, XXXX settlement, XXXX XXXX was ordered to pay {$320.00} in the form of a consumer rebate for violating federal credit laws. As result of this payment which was paid on XXXX. The identify thieves are using Diversified Consultants , Inc . The pattern that exist here is that rogue individuals are accessing my computer in order to destroy XXXX. In the account where XXXX XXXX paid me {$320.00}, this was a fraudulent collection matter where XXXX XXXX stated I owed a debt on what I believe was an XXXX account that was not mine. The circumstances of that fraudulent debt collection effort was during the time when I needed to get credit approval for a school loan to complete my dissertation. XXXX XXXX stipulated that I would not get the education loan unless I paid them. I believe that these were the circumstances. Now, out of retaliation of your office assisting me in that case, some rogue individuals have contacted Diversified Consultants. Please have Diversified Consultants provide the contract from XXXX as to purchasing this debt. This is a fraudulent account because XXXX allowed my XXXX to be hacked into ; resulting in my research being destroyed and uses a fraudulent collection scheme to claim I owe them when in fact, the record reflects that both XXXX XXXX and Diversified Consultants, Inc. are being illegally and fraudulently used as a distraction when the real crime was to stop me from competing my XXXX.
I have had to defer my payments due to no income and a chronic health issue that has prevented me from being able to find employment at this time, I need some other options that are legit and not scams in order to be able to defer my payments out longer than the few months that the online deferment allows me to do until I am able to return to work, this has really stressed me out and according to my Dr 's they have advised me to go on this website to see if the Consumer Finance Protection Bureau can advise me of other options that are legit or reduce my payments to the very minimum until I am able to return to work.