WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, we submitted the annual required income verification form, indicating that this was an annual re-certification and we wanted to stay on the same plan we had. We received a notice back saying that they could not pull records from the IRS, so we would need to submit paper copies of prior year tax returns. We mailed in the required forms. 

OnXX/XX/XXXX, we received a bill for the full payment amount ( ~ {$3200.00} ). Apparently in addition to the box indicating we wanted to stay on the same plan, a box was checked on that form saying that we wanted to have the cheapest payment possible. A rude and uninformed customer service representative talked us into changing our plan to pay-as-you-go, instead of the Income Driven Repayment plan we wanted to be on. Our interest then capitalized, adding thousands of dollars to our principal. This rude and uninformed employee told us we could make a {$5.00} minimum payment that would count to move us over to the next repayment plan. 

On XX/XX/XXXX we received a bill for {$5.00} and a letter notifying us of forbearance. This was paid on XX/XX/XXXX 

OnXX/XX/XXXX, we received a bill for the full amount again ( ~ {$3200.00} ). AroundXX/XX/XXXX, a representative from XXXX XXXX advised us to not pay that bill, since it would n't go to collections for 90 days. They estimated that the Processing Department would update and correct everything before that 90 days. 

OnXX/XX/XXXX, we received a bill for ~ {$6400.00} -- the prior amount due plus a new amount. A phone call with employee # XXXX on XX/XX/XXXX revealed that a ) we would not receive credit for payments made on XXXX XXXX, XXXX XXXX, XXXX XXXX, or XXXX XXXX. She also revealed that our new payment would go into effect in XXXX. So had we listened to the previous employee who advised us to " not make that payment, '' we would have surely gone into default had we not made a {$9600.00} payment. She advised us to request an administrative forbearance-we could do this since it was taking so long to process the new payment amount. She also advised requesting an 'override ' so we could make an XXXX payment on the new amount and get credit for it. 

Today, XX/XX/XXXX that request was made and we talked to employee # XXXX. This employee was extraordinarily rude, arrogant, and not helpful. He had no idea what an override was, and refused to explain any aspect of what an administrative appeal was or how it worked. Instead of helping, he insisted on making us feel as though he had no idea what we were doing. 

So we attempted to update income on XXXX XXXX. 5 months later, we still do n't have the correct payment amount, wo n't have the correct bill until XXXX, which is 7 months after the initial request, and now have lost credit for months worth of payments. And there 's still no guarantee we wo n't have to make a {$9600.00} payment to clear this all up and to avoid default.
I have paid Kohls credit card on time every month with my online pymnt scheduled out monthly, I was only using the card to build credit. Never leaving a high balance for any length of time, I will pay at least minimum with online banking, somehow the are showing me as 128 % utilization which is hurting my credit score! How can I be that much over when its paid monthly through banking plus me adding payments to keep this low..This being the second month they screwed up, I called Kohls and they told me they will not help me..until XXXX XXXX.Im trying to buy a house, this is hurting me! good bye kohls..
This is a complaint about a promotional bonus not being credited, in violation of the terms and conditions provided to the customer ( me ) at the time of enrollment. 

I opened a Citi Savings Plus account in XX/XX/XXXX after enrolling in a promotional offer, offer code XXXX. Per the terms and conditions provided me at the time, I expected that my account would be credited with {$300.00} within 90 days of XX/XX/XXXX if I deposited {$25000.00} to {$50000.00} by XX/XX/XXXX and kept at least that balance through XX/XX/XXXX, which I satisfied. However, 90 days later ( XX/XX/XXXX ), the {$300.00} promotional bonus has not been credited. 

I have called CitiBank customer service to give them an opportunity to rectify the issue, but they claim that the bonus failed to credit because the offer was " targeted ''. However, the terms and conditions PROVIDED TO ME AT ACCOUNT ENROLLMENT do NOT state any such contingency, and hence that excuse can not apply. In fact, I even received an enrollment confirmation ( of which I took a screenshot along with the terms and conditions ). Despite this evidence, Citi is refusing to credit me the bonus ( citing the " targeted '' excuse despite it being absent from the terms and conditions ), and hence they have failed to uphold the terms and conditions to which I agreed at time of enrollment. 

To preempt a possible response from CitiBank, they MIGHT respond to you claiming that the promotion was " targeted '', but that excuse is invalidated by the evidence I am submitting, namely the enrollment confirmation and complete terms and conditions on which I based my decision. 

I would like to emphasize that I signed up for this savings account SOLELY because of the promotional bonus, and in good faith that my satisfaction of the terms and conditions would result in my being credited the {$300.00} reward. I therefore submit this complaint seeking to enforce the terms and conditions that Citi provided me ( upon which I based my decision to do business with them ), and thus be credited the promotional bonus described in those terms. 

Description of attachments : * CITI SAVINGS OFFER SCREENPRINT.pdf '' -- screen capture taken on XX/XX/XXXX showing enrollment in the promotion ( top of first page ), terms and conditions upon which I based my decision to open my account, and the offer code ( bottom of second page ) * " citi savings plus statement [ XX/XX/XXXX ] .pdf '' -- statements for the account in question showing satisfaction of the terms and conditions.
LVNV funding/Resurgent Capital Services is attempting to collect on XXXX different debts which are now expired past the seven years. I have sent them a letter warning them if it is not removed from my credit report since they are reporting it fraudulently to my credit report, then I am taking them to small claims court. They ignored my letter. 

It is XXXX XXXX that owns XXXX companies. They intentionally go after low income people and then harass them. I did n't even give them my new address. 

They hit my credit info to find out my new address and sent me a letter demanding the full amount of which has been quadrupled from the regular amount of the original creditor. They refused to give me their phone number because they believe that it will make it harder for me to serve them. 

I have given them until XX/XX/XXXX to respond or I am filing in the state of New Hampshire in small claims and I WILL cost them more than the debt is worth. 

***Additional note to add. I forgot to include this I believe with my previous complaint against LVNV Funding/Resurgent Capital Services. It is my belief that the Sherman Financial group LLC owns all XXXX of these companies and operates them as shell companies. 

I wish I had known back in 2008 when I let these companies hook me into taking their cards out that they would NEVER let me escape them. That they would just wait until the seven years expired then just pile it back on using one of their shell companies. If you do n't believe me just google the company names and see how many lives they have ruined.
I requested a copy of my credit report via Annual credit report. I contacted Equifax on XX/XX/XXXX to correct inaccurate information. The individual updated all of my personal information per my request ; however refused to delete inquiries though I advised that I had not authorized the inquiries and was unaware who those companies were. The representative from Equifax stated that it was MY responsibility to contact the companies who illegally pulled my credit. Though I was upset by this, I did contact each one, that day. They all referred me BACK to Equifax because they had no record of my ever applying for credit with them and stated it was Equifax 's error. I sent a letter via certified mail on the same day, tracking number XXXX which they received XX/XX/XXXX requesting again for a the credit inquiries to be removed because I had not authorized them and per FCRA only permissible purpose for pulling someone 's credit was for a firm offer of credit, insurance, employment or court order. This week, I received another letter from Equifax explaining what credit inquiries are and they were not removing them. I pledge that I have no knowledge of the following credit inquiries that are erroneously being reported by Equifax even after it has been brought to their attention : XXXX XXXX XX/XX/XXXX ( fyi, I have been with XXXX for last 8 years ), XXXX XXXX XXXX XX/XX/XXXX ( please be advised that per XXXX XXXX the XX/XX/XXXX inquiry was a promotional inquiry and that only the XX/XX/XXXX is a hard inquiry because that I when I opened credit with them ), XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX ( XXXX did state that they would provide a letter to Equifax to remove the inquiry since I did not apply ). 
I am requesting that Equifax, immediately remove the aforementioned credit inquiries.
XXXX  I am NOT   XXXX   customer.     I am not   XXXX   customer and I do n't remember I ever registered with   XXXX   IF I did I do n't think I will share with   XXXX   with my personal information like " STUDENT LOAN THINGS with  XXXX .       XXXX   provided my personal financial information a widely with third parties without my permission.     I contacted   XXXX   this mornin g (  XXXXX 2017 ) to dis pute all my credit history from his page. " When I Contacted  XXXX  and requested a dispute my credit report,   XXXX   asked me security question " like how much student loan do you have, and who is the loan provider?     The  XXXX  NOT my student loan lender, this not   XXXX    business, an d again I do n't remember I did share my student loan information with   XXXX  , again I dont want to share my student loan information with  XXXX  so I refused to answer  XXXX  's security QUESTION which related to with my personal financial informations. And   XXXX    sa id " if you do not provide how much student loan do you have and than we will NOT dispute your credit report. ''  XXXX   I  am NOT   XXXX   customer.     The company did provide my credit information to the third parties without my authorized signature/ without asking me. I request   XXXX   to dispute my credit history from the   XXXX   website.     EXPERIAN  I a m EXPERIAN customer.     I am request EXPERIAN to dismiss my OLD credit history from his webpage. Especially olds  XXXX  NO good for my future business.     EXPERIAN provided my credit history to third party without notifying me which have been impacted my business pretty deeply.     SO I request EXPERIAN to contact me first before provide my credit history to THIRD parties
Capital One Will not allow external applications ( personal finance ), that I have granted permission to, access my financial data. I believe I have a right to allow my finances, and all the data that comes with them, to be accessed in a manner that I feel will benefit me the most.
I took out a loan in XXXX with a XXXX XXXX XXXX XXXX XXXX XXXX for {$310000.00}. Now it appears that all the documents are fraudulent including the Note and Proof of Claim and I want to receive all info requested by my attorney in the attached QWR from the alleged new Trustee XXXX XXXX asap via Fax : XXXX XXXX.
Dear Transunion, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that TWO FRAUDULENT INQUIRIES that had been made on XX/XX/XXXX and XX/XX/XXXX are still being reported on my credit report. 
I contacted XXXX XXXX XXXX, who conducted the inquiries and asked them to remove their credit inquiries from my credit profile. According to XXXX  XXXX XXXX, they can not see the inquiries and so they can not remove something that isnt there. In addition to this, XXXX XXXX XXXX reported that my credit limit was increased during that time period but that no hard inquiries were ever made. 
I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX ( XX/XX/XXXX and XX/XX/XXXX ) inquiries on my credit report to determine who authorized these hard inquiries. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiries. ( Do not send me anything via US mail. ) Please note that although the inquiries shown on my credit report are a factual record of the company who accessed and reviewed my profile and although an inquiry is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiries were FRAUDULENT. 
If you find the inquiries referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that these inquiries were not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with these FRAUDULENT hard inquiries. Thank you for your assistance in this matter. 
Very Respectfully, XXXX XXXX
I am the victim of identity theft. On XXXX XXXX, 2015, I received an alert from a credit monitoring service that someone ( likely the person who has been fraudulently using my social security number to attempt to take out loans and obtain other lines of credit ) had attempted to open a line of credit with American Honda Finance using my social security number, or other personally-identifiable information. This showed up on my credit report as an ( erroneous ) inquiry. 
I telephoned American Honda Finance ( " AHF '' ) on XXXX/XXXX/2015 to request removal of this fraudulent inquiry from my credit report, speaking with " XXXX '' ( the only " XXXX '' at the call center ; he would n't give me his employee ID number or extension ). I spoke with XXXX at length, but he refused to assist me in any way. He repeatedly insisted that my only recourse was to call the credit bureaus ( e.g. that as a consumer, I could not request assistance from AHF directly ). This, despite my *repeatedly* telling him that under federal law ( the Fair Credit Reporting Act Section 623 ), as a furnisher of information to credit bureaus, AHF is and was *required by law* to assist me to resolve the fraudulent inquiry as a victim of identity theft. I asked to speak to XXXX 's supervisor, but XXXX repeatedly refused to transfer me - or to give me the phone number of AHF 's fraud or credit department. 
In short : AHF is in standing violation of the Fair Credit Reporting Act in providing me absolutely no recourse, as a consumer who is a victim of identity theft, to dispute this fraudulent entry on my credit report.
I took out a personal loan with Springleaf Financial, which has merged with OneMain Financial recently. I am unable to obtain accurate and timely information about my account and payments due from OneMain. On XXXX XXXX, 2016, I made a payment of {$730.00}. This was for reinstatement of the loan to current since I had missed XXXX payments ( XXXX - XXXX 2016 ). My monthly payment amount is {$170.00} on the XXXX of each month, so I assume the difference of {$32.00} included late fees? On XXXX XXXX I spoke with a representative about my XXXX thru XXXX payments. The representative explained that I was past due for XXXX and XXXX ( true ), and that the XXXX payment was due on XXXX XXXX as per usual. The total amount due was {$570.00}. I questioned this amount because {$170.00} XXXX 3 months is NOT {$570.00} ; there was a difference of {$45.00}. She explained that there were late fees outstanding and an NSF fee from XXXX 2016. This was a surprise to me because if I paid a lump sum on XXXX XXXX, all fees should have been included in the 'amount due ' when I made the payment. The rep confirmed the fees were not included. She stated that she would request a waiver of a {$15.00} late fee and payment of {$350.00} would bring me current until my XXXX XXXX payment of {$170.00} was due. 

Alas today is XXXX XXXX and my account still shows a past due balance of {$570.00}. I called OneMain to question why my payment of {$350.00} has not been applied, and what happened to the late fee waiver? The rep explained that on his end he can see an amount due of {$200.00}. I have enclosed a screenprint of my online account so you can see the amount online does not match what the rep instructed me to pay. He then came back and stated that the late fee waiver was not updated in the system because they are n't reflected until the payments post. Why has my payment not posted in 8 days? 

I am further frustrated by the lack of any valuable detail on my billing statements. They do not break out the origin of outstanding fees, the date said fees were incurred, how my payments are applied toward principal, interest, etc. I have attached several months of billing statements to substantiate this claim. These billing statements are as useless as the online account. The representative I spoke with today is now confirming that I only owe today 's payment of {$170.00} which I have literally NOWHERE in writing. The rep states that he can send a 12 month payment history to validate how my payments have been applied but I have no confidence whatsoever.
WITH MIDLAND CREDIT THAT IS A THIRD PARTY COMPANY WHO PURCHASES DEBITS OWED THAT HAS NO CONTRACT WITH ME, I HAD A CARD WITH XXXX  AND THERE WAS CHARGES THAT I HADNT MADE AFTER REPORTING THIS DIRECTLY TO THE COMPANY I NOW HAVE XXXX OFF MY CREDIT DUE TO IT WAS RESOLVED I CLOSED MY ACCOUNT AND SOME HOW MIDLAND CREDIT PURCHASED THIS OLD ACCOUNT AND I HAVE NO CONTRACT WITH THIS COMPANY TO EVEN COLLECT THIS AMOUNT, I CLOSED DOWN MY ACCOUNT AFTER THE FRAUD PURCHASES WHERE RESOLVED NOW I HAVE THEM THREATEN TO GARNISH WAGES AND THEY DONT HAVE A CONTRACT WITH MYSELD WHICH HAPPENS TO XXXX XXXX XXXX I WOULD LIKE FOR THEM TO STOP REPORTING ON MY CREDIT AS THE ACCOUNT IS CLOSED DUE TO MY REQUEST AND THE CHARGES HAVE BEING RESOLVED, PLEASE PROVIDE ME WITH A CONTRACT THAT I HAVE WITH YOU AS YOU ARE JUST A THIRD PARTY WHO PURCHASED THIS OLD ACCOUNT THAT HAS BEING CLOSED
This is in regards to complaint # XXXX, I request to reopen complaint as Wells Fargo is deceiving CFPB and hiding the fact that I did contact Wells Fargo onXX/XX/XXXX spoke with XXXX from XXXX XXXX IA fraud department, she was not helpful then I requested supervisor and she would not allow to speak with supervisor. I went the XXXX WI branch and worked with Personal Banker XXXX XXXX who spent an hour on the phone while they recycled him, after an hour I left. In a week I came again and spoke with banker XXXX also he kleft me his number XXXX., also week later with XXXX . I was questioned, all my cards and ID was searched and sent away. OnXX/XX/XXXXI spoke with XX/XX/XXXX from Oregon. On XX/XX/XXXX I contacted executive office XXXX who did not give out her ID, called again spoke with XXXX in XXXX Branch, then called again and spoke with XXXX  supervisor of customer service in XXXX OR, his ID XXXX.. Then called again on XX/XX/XXXX and spoke with XXXX premier banker. Bank closed my account for solo reason not to pay rewards as promised. I request that this bank is investigated for fraudulent activities and my rewards paid. There was no reason to close the account because I did respond multiple time to the letters and paid bill on time.
I made a purchase on XXXX at XXXX in XXXX XXXX XXXX XXXXXXXX Illinois for new Counter Tops as well as other home improvement items. The purchase amount was for {$3900.00}. Synchrony ( Through Lowes ) was offering promotional APR of 5.99 % for 84 months with a fixed payment which would ensure the purchase would be paid off within 84 months. In reviewing my statement this month I identified that due to an error by either the Lowes store or Synchrony Bank this promotional APR was not applied to my account and Synchrony has been charging my account interest on the purchase at an APR of 24.99 %. To date they have over billed me in excess of {$1000.00} in interest charges. I contacted Synchrony to ask that they remedy the situation by crediting my account for the over charged interest and move the remaining balance to the correct interest rate for the remaining life of the promotion. The agent I spoke with acknowledged that there was likely an error by Lowes when ringing up the purchase and also acknowledged that I had taken advantage of this promotion previously on another purchase which seemed to corroborate my explanation that I should have received the 5.99 % promotion. After speaking with an agent and her supervisor they both refused to honor the promotion. They informed me that I needed to reach out to Lowes and get a copy of the original receipt and have the store re-ring the purchase so they could make the adjustments. I expressed my dissatisfaction with this because it should not be my responsibility to fix a mistake caused by Synchrony or Lowes ( Their 3rd Party Provider ) and  require me to drive 30 minutes from home to a store to do so. But regardless, I reached out to Lowes.  They have not sent me the requested receipt and the phone agent from Lowes indicated that even with it the store would not be able to do what the Synchrony Reps suggested. At this point I am still looking for Synchrony to honor the terms offered to me which I accepted.
XX/XX/XXXX debt collector tried to claim I owed over {$3000.00} when the debt was {$1700.00}. Refused to accept payment plan and/or tax return despite ( his ) lawyer saying ok to it. 
XX/XX/XXXX debt paid in full XX/XX/XXXX-XX/XX/XXXX more debt added to accound despite being paid in full. Also paid new amount in full. 
XX/XX/XXXX funds siezed from bank despite account being paid in full. 
To date no letter stating debt was paid has been recieved dispite state law requiring one within 21 days, and they will not return additional funds siezed above amount due and paid in full.
In  XXXX  we received a letter for  XXXX  stating that we had applied for an  XXXX   XXXX   XXXX  card. We had not. We called  XXXX  and they blamed us by stating that we 'clicked a button ' at    XXXX    that  initiated the request. They told us that they would close the request.     Last week we received another letter from  XXXX  that has exactly the same information. Today I pulled my credit report and am shocked to see that  XXXX  has continually been running credit inquiries. These inquiries have brought m y credit score  down.     The inquiries from  XXXX , which I did not initiate, were on these dates :  XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX  I would like help to have those inquiries removed from my Credit History since I did not initiate the requests. In fact, I checked with  XXXX  and in order to initiate the request an application must be filled out. I never filled out an application because I have no interest in having a  XXXX  Credit Card from  XXXX . Thus this is a repeated fraudulent request. Can you assist with resolving this so that my   Credit History is fixed and does n't continue to drop?
Thank y  ou.
I paid off the past due balance on a credit card through the assigned collection agency in 2011 ; however, the original creditor shows that the debt is still owed - this is incorrect on my Experian report. XXXX XXXX needs to indicate that the debt was sold. The collection agency shows correctly that the debt was settled in full in 2011.
XXXX XXXX AKA XXXX XXXX is reporting to my credit report they are doing so against the Hippa Laws and against the privacy act they reported his account when it had a XXXX balance every time this account is seen on my credit file they are in non compliance with Hippa and the privacy act My medical bills are part of my medical record I did not waive my hippa rights 1. if I waived my hippa rights please show me 2. I want a full contract 3. full payment history of account.