WillisBack/dataset-financial-user-claim huggingface dataset:
I signed up for Citibank 's Citigold account via a promotional code ( XXXX ) in XXXX 2015. The promotion was to to earn XXXX XXXX XXXX AAdvantage miles. I met all the requirements months ago, and yet the miles still have not been deposited into my account. I spoke with and messaged Citibank multiple times over the course of the past few months. Each step along the way, Citibank assured me that the promotion code was good, that I was eligible, confirmed that I had met all the requirements, and that I had met all the requirements in the time required ( i.e. before any deadlines ). NOW, they are refusing to honor the promotion and will not give me the XXXX miles. Please help.
Transunion continues to report a U. S. Bankruptcy Court ( Georgia ) item on my credit report that they have not validated or verified as outlined by FCRA. I 've asked them to send me the name, address phone number of the person or persons etc. they spoke with or the documentation validating and verifying the information but they have NOT!!!!!!!!!!!!! Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.
The Bankruptcy Court ( Georgia ) have stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.
My inquiry to the U. S. Bankruptcy Courts confirmed Transunion Credit Bureau has never validated or verified this inaccurate public record entry on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I demand all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.
Help in in getting Transunion Credit Bureau to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file Transunion maintains under my name and social security number.
Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), Transunion is required by federal law to verify through physical verification of the ORIGINAL SIGNED consumer contract and/or judgment ( s ) all accounts and public information that they post on anyones credit report. Otherwise, anyone paying for their reporting services could fax, mail, email in fraudulent and erroneous account information.
Sallie Mae is harassing me ( via incessant phone calls ), and sending mail to my cosigner 's address. I 'm asking that said methods of communication cease. I 've written multiple letters to Sallie Mae, each asking for a path to a resolution regarding the issue at hand, and that they stop the harassment and bullying that they routinely participate in. With that being said, Sallie Mae has made zero effort to return my missives in regards to finding a resolution to the issue at hand. I, in addition to my cosigner, receive nonstop phone calls from various Sallie Mae agents, none of whom I have any familiarity with whatsoever. Meaning, every day, multiple people -- people who I 've never spoken to in my life -- call my phone claiming to be my assigned Sallie Mae account agent. But such claims are not accurate : Sallie Mae has failed to provide me with an account agent name and number, therefore I 'm never given access to a 'real ' human whom I can contact to resolve issues. Instead, I 'm at the mercy of Sallie Mae and their slew of nameless, aggressive debt collectors. I 'd like Sallie Mae to return my letters, stop contacting my consigner 's employer, and engage with me in a dialogue that will lead to a timely resolution to the issue at hand. Thank you.
Freedom Mortgage acquired my loan, then immediately contacted me about a payment lowering, no money down new mortgage. This proved to be a bait and switch as after months of wrangling, they insisted I come to the table with as much as {$18000.00}.
XXXX XXXX PERSONAL CHECKING/SAVINGS ACCOUNT - XXXX I can't close this account and Bank of america are charging this empty account monthly fee 's. I will of course not pay and wish this investigated by grown ups. If any other government agency can help me with all my problems with bank of america I ask the complaint be referred to them. They owe me about {$3500.00} already.
I have not received any calls on my phone nor have I been contacted by mail. I had a loan from XXXX that has a balance of XXXX or more. It was XXXX. They had garnished my pay and have taken all of my refunds each year. I lost my job in 2015 n am now unemployed looking for work but also taking care of my XXXX year old mother. I had a neighbor come over to tell me a XXXX from general revenue Corp XXXX called her asking questions about me. I never received notice that my loan changed hands then another neighbor called telling me the same thing. Both said she asked if she could call them back. Both said no. Today they called my mother 's phone n left a message to call XXXX. Luckily I got the message before she did. It would kill her to know they are calling her long time neighbors. I went online n found numerous complaints about them. I could n't read all due to the large amount. Most said they are scamming and identity theft I am looking into bankruptcy because of medical debts
Transunion : XXXX XXXX XXXX XX/XX/XXXX I did not authorize this.
I am a XXXX XXXX XXXX ( XXXX ) credit card member and account holder and routinely receive promotional offers emailed to me. After receiving a few XXXX email offers for XXXX to XXXX bonus miles ( depending on the email ) I felt enticed enough to investigate my options and sign-up. 

Within the body of the email ( which one can view as a webpage as well- I elected to do so ) there are a few references to " provide your XXXX XXXX number when you call XXXX. '' Alternatively there are several other references to " click on a hyperlink [ to view all packages ] or call XXXX. " Wanting to thoroughly understand my options and obligations I elected to follow the " view all packages '' hyperlink. When following the hyperlinks as a consumer you are then exposed to alternate XXXX content. Specifically for the XXXX, within a few clicks I was presented with different phone numbers to call to sign up for XXXX ( e.g. through the XXXX site, XXXX site, XXXX site ). Unbeknownst to me, as XXXX explained when I inquired about my missing miles ), the number I eventually dialed after viewing all packages as advised by the promotional offer was for a retail vendor and " does n't qualify for mileage awards. " I find the promotion incredible deceptive and poorly managed. The links, content, and offer should have been self-contained. Instead I seamlessly clicked from one link to the next ( all from following the direction in the initial promotional email ). I had no way of knowing that I was suddenly working with a vendor/subsite that would n't make me eligible for the miles. 

When signing up the vendor apologized and said he was n't familiar with how to process the mileage credit and asked me to contact XXXX for clarification. Not thinking anything of it at the time, I called XXXX and they told me to take it up with XXXX. I was stuck in the middle and bounced inbetween both organizations before finally convincing XXXX to investigate the mater. More than 2 months later, after repeated phone calls, emails, to XXXX ( most without XXXX acknowledgement or follow-up ) I was notified I would n't be getting the bonus miles. The reason - " your account was n't eligible for the promotion because your order was placed with a retail vendor and it does not qualify for Mileage awards '' - a vendor I engaged by following the promotional content emailed to me by XXXX. 
I 'm now without my mileage bonus. Stuck in a 2 year contract with XXXX. Paying more for similar services I had before ( TV, internet ). And had a credit hit against me for the sign-up.
I applied for a self lender account to help build my credit. I was denied due to the fraudulent XXXX XXXX XXXX account that is being reported to XXXX  by XXXX XXXX XXXX. I have provided several times the police report associated with the fraudulent account to XXXX XXXX XXXX Check Digital Fraud Claims department several times but the account still has not been deleted from my XXXX  report.
Details Account : XXXX XXXX XXXX Amount : {$97.00} Status : Late 30 Days I challenge the accuracy, compliance and reportability of this listing by XXXX XXXX XXXX, and this is an error and you must remove it, this against the law. 
... grave errorsfalse claims and reportingI want this removed immediately or litigation may follow. 

I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Credit card account from XXXX has multiple charges that are not mine and were unauthorized. Charges were made by ex-spouse XXXX XXXX SSN XXXX. Ex-spouse was in XXXX and I was in the United States while these charges were made. I have tried multiple times to explain this XXXX and to come to an understanding to resolve the issue. A resolution has not been met. XXXX has reported this account as a charge off and continues to report negative derogatory every month for the past year damaging my credit score. I do not wish to establish any credit card account with XXXX.   Please see attachment regarding unsigned authorization to re-establish the account on my credit file.
I have now gotten XXXX calls since XXXX this morning and it is noon. This is extremely excessive and I told them last week and the week before what is going on. I am getting over a call an hour and its stressing me out and keeping me from working. I have asked them multiple times to get the call count down, my account is only one month late.
Spoke to XXXX, forwarded documentation supporting my claim of this account being fraudulent. It was agreed to be removed, but still showing on chexsystems. I have also today ( X/XX/17 ) contacted my lawyer who will be sending out intent to sue letter, I have had my rights violated under the fcra. Asking that this account be removed from the chexsystems file immediately.
I submitted a complaint against Scottrade Bank, regarding a dispute about unauthorized transfers within my Scottrade Bank and Scottrade Brokerage Account. Scottrade Bank did not respond to my complaint after three weeks. I then sent a certified letter to Scottrade Bank asking about their dispute resolution procedures and have still not received a response months later. I submitted a final complaint asking about if there was an arbitration contract and how I could initiate a XXXX party dispute resolution process. Scottrade Bank did not respond. 

I am writing to the CFPB, in hopes that a cooperative resolution resolution can be reached where Scottrade Bank and their affiliates provide appropriate responses to my inquiries. Based on the behavior of Scottrade Bank and their employees, I am worried that Scottrade Bank is attempting to " bury '' this issue because investigation into the matter may reveal corporate or employee fraud and wrongdoing. 

I have attached a draft document outlining some of the actions by Scottrade Bank and intend to follow up until this matter is resolved.
I sold a vehicle to a young couple in Tennessee. When I requested the payoff amount from XXXX XXXX I was informed that the amount given would bring my account CURRENT and paid in FULL, as it was about 30 days behind due to me loosing my employment at the time. The couple had their bank, XXXX XXXX XXXX XXXX, mail a check to XXXX to transfer ownership of the vehicle. The check arrived on the XXXX of the month which is when my account due date was. 

XXXX LOST the check and the XXXX XXXX had to reissue another check to pay off the vehicle. That process took about 10 days before they were able to reissue the check to make sure that it was not in process of being cashed. By time the payment posted, it was the XXXX. 

Upon closing the account out XXXX changed the status of my account to no " more than 30 days late '' after I had to file a dispute with XXXX, XXXX  and TransUnion to get them to close the account out because for 60 days they were still reporting that the account was closed with a balance due! 

How can a vehicle be paid off and the pay off amount does not include any prior amounts due? It does not make any sense. If the amount was incorrect, they how can the account be closed out and it is not current? What is icing on the cake is that there was a credit on the account and a check for the balance was supposed to be mailed. I do not recall ever receiving those funds either.
First Progress Platinum Credit Card XXXX XXXX XXXX XXXX XXXX, TN XXXX I sent a Deposit of Cash for {$300.00} to open Credit Card Account. I closed this Account and they said I owed {$250.00} but they never Returned my Deposit of {$300.00}. First Progress owe me a Refund of {$46.00} with a XXXX Balance Owed Paid In Full. I want an Investigation as to why First Progress never applied my Cash Deposit of {$300.00} to Balance owed of {$250.00}. Waiting for your reply. XXXX XXXX XXXX Credit Card Number : XXXX
FIR ST MARK SERVICES   XXXX   XXXX   XXXX .     D ear First Mark Services : You have not provided proof of the student loan. In you documents you said I received the loan at the   XXXX     XXXX   XXXX . After further inquiry, you must provide me with the original origination papers and contract documents as I requested from you earlier. I also stated to you that the information you provided to  XXXX   XXXX  is fraudulent and I asked you to stop, provide proof and verify these things.     You can not service this loan. I asked you to provide this information to me and you did not. The original documents must include when the account was 'charged or written off ' because you list these accounts date opened in  XXXX  and  XXXX  that  is twenty year s ago.     You can not report this to  XXXX   XXXX  because I identify it as fraudulent. You continue to report it to the agency and I will report you to the student loan ombudsman office and Dept of Justice for unfair, deceptive acts and practices.     You should also check online to see that private loans are not eligible to be listed as federal student loans for re-couperation in the federal guarantee loan system.     Please check your records and send it back to  XXXX .       Regards  XXXX   XXXX   XXXX   XXXX
I received a ping from XXXX XXXX stating that I have a derogatory item placed on all three credit reports. The collection agency, XXXX XXXX XXXX, reported this debt. I called them and was told that have documentation with my signature. I requested to see the documentation and the signature block states Signature on File. I was then told that there was another collector who dropped this pursuit. I disputed with all three bureaus and XXXX  has already corrected my credit report. XXXX, however kept this illegal item. I request that XXXX  provide proof of my signature. I believe that my signature was forged that is reason that I have not received any documents with my signature.
they keep calling me from several numbers for a debt that is not mine. they are harrassing me.
Pressler and Pressler , LLP sent me a letter dated XX/XX/XXXX stating 1 ) they had been retained by XXXX XXXX, 2 ) notice of opportunity to contact within 30 days to dispute the debt, and 3 ) a statement they are a debt collector. The letter was delivered uncertified. 

II. I responded on XX/XX/XXXX. In that letter, I asked Pressler and Pressler , LLP to validate the date. The letter stated to respond to a specific Notary Public ( who would verify and validate receipt of said validation ) within 30 days. The letter was sent by certified mail and received by Pressler and Pressler , LLP approximately one week later. 

XXXX. I also pulled down my credit report and saw that this debt had been charged off. 

XXXX. I was served with a lawsuit on XX/XX/XXXX by Pressler and Pressler , LLP regarding this matter. 

ISSUE : This firm stated they were retained by XXXX XXXX. That claim is patently false, since the debt was charged off. If XXXX XXXX was still pursuing this debt, it would not be at that status, so this firm has made a false statement regarding its disposition on this matter. Further, this firm has stated they are a debt collector further down in the letter. This indicates that they obtained this debt as third party debt collector. 

The statements made by Pressler and Pressler , LLP in the letter are fraudulent and misleading, and intended to intimidate. Further, Pressler and Pressler , LLP has extended this fraud into court.
Experian is reporting a collection account as included in personal receivership. It was not. I paid this account. It was never part of a bankruptcy. I have asked 3 times to have this changed.
I was given this information thru my XXXX App and seen an account that I don't recognize. I called XXXX and was given the credit reporting agency who had recently concluded on my dispute that the information was accurate. So I tried contacting XXXX XXXX and was repeatedly hung up on for days. They will not furnish any information regarding this alleged account that was supposedly opened in 2007. I made my intentions known that I wanted a description in writing of how the investigation into proving accuracy was conducted. This credit reporting agency is who I want to file the complaint against because I don't believe they have effectively investigated this account. I have no knowledge of this account and was only trying to obtain more information on the original creditor.
I recieved written correspondence by mail that ambiguously said to call their XXXX number to discuss matters regarding my account ending in XXXX. I call, because it did n't say what it was about but I knew I had existing fraud claims. I spoke to the agent, referenced the letter and asked if it was in regards to my open fraud case. She stated no. That it was an offer to raise my credit limit and asked if I wanted to take advantage of the offer. Every increase was done without my requested permission so this was new to me. I specifically asked if it was going to put a hard pull on my social. She said no, that it was an offer for an existing account. I explained that if it did, I did NOT want it as I can not have any more pulls and do n't really need an increase in limit, that I planned on purchasing a new car in coming months. I was reassured ( all on recorded lines that I 've played back and listened to! ) that this was not the case. She asked how much of an increase I would like ( again, another first ). I said I did n't really care. She threw out some numbers, went with the lowest. She then told me I would get written correspondence in the mail regarding the increase ( which sounded fishy ). Not an hour later I get multiple alerts on my credit for a new hard inquiry. I waited a few days to see if it would fall off out of error, it did not. I called the customer service line and they assured me it was not an offer, that it was about my fraud claim, and that they would remove the hard pull. They have n't, it is still showing!
A fraudulent inquiry was made today on my Transunion credit report by XXXX XXXX. I was alerted via a credit reporting watch I have with Transunion. A screenshot of this inquiry is below. I called with no resolution and have written a letter. 

I have no open accounts with XXXX and should not have had ANY inquiries on my personal credit report. I am disputing this whether this hard or a soft inquiry ; either way, I want this removed immediately, please. I have recently had fraudulent addresses appear on my credit report and in XX/XX/XXXX, I contacted XXXX XXXX. I sent a letter to : XXXX XXXX, Attn. : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX specifically asking to be certain XXXX XXXX was not reporting fraudulent and incorrect information to the credit bureaus. THIS REQUEST SHOULD NOT HAVE CAUSED AN INQUIRY OF ANY KIND. Obviously, I am trying to clean up my credit report of fraudulent information, not have random inquiries added which would be further detriment. I did not give any authorization or permission for any inquiry.
In XX/XX/2017, Specialized Loan servicing bought a loan of mine from XXXX. They claim it is a second mortgage/ Real Estate loan on my credit report and the address they continue to report as my property has not been mine for 13 or so years. This is an ongoing issue an accounting error had created issues with what was owed etc. Now in trying to purchase a home, lenders say I have to wait because I defaulted on a mortgage.
My husband and I both have, and have had loans through XXXX XX/XX/XXXX. We have both on several occasions set up, online, and over the phone automatic payments. 3 times. Once I tried. Twice he has tried. All three times we receive late notices through the mail with late fines attached. I am convinced this in on purpose so they can collect the late fines. The last time we called, they refused to answer their phones, and put us on a call back list. Four days later they have still not called us back. The last letter was XX/XX/XXXX. It says we have 15 days to pay. The last, of many, phone call we made was on the XX/XX/XXXX. XXXX XX/XX/XXXX says my husband owes {$85.00}. The letter also says we are fourth-five days past due. But we were living under the assumption our automatic payment had been set up, and that the bill was coming out of our bank accout. No email, to my knowledge was sent, and no phone call to notify us of any card number discrepancy or name misspell. Just a letter, already late, telling us we did not even try to pay. I am very frusterated and I would not wish this lack of customer service on anyone. It feels as though there are no humans running their business, only faulty computer systems.
I have disputed a collection with all credit reporting agencies about a collection that was paid and the creditor has disputed the collection as well and has asked all credit reporting agencies to delete the collection from my credit report. All credit reporting agencies have deleted the collection except for Equifax. The collection agency has gone online multiple times and manually requested the deletion, they have submitted the repositories and they have made repeated phone calls to Equifax , I have disputed it online and called Equifax multiple times and the collection has still not been deleted from my Equifax credit report.