WillisBack/dataset-financial-user-claim huggingface dataset:
CIT BANK NA The company sold a property that I was a co-owner and I was not notified of the sale. 
The property was re-financed onXX/XX/XXXX for {$240000.00}. It was then sold on XX/XX/XXXXfor {$290000.00}.
On XX/XX/2018 I have submit a complaint with the CFPB and the CFPB submit complaint to Experian. On XX/XX/2018 Experian respond to the complaint to the CFPB stating that the account was verified as accurate. In which, clearly the account is not 100 % percent accurate. I also made a dispute with XXXX  and XXXX  about the inaccurate information on my credit report on XX/XX/2018. On XX/XX/2018 XXXX stated that the information on my credit report is verified as accurate. On XX/XX/2018 XXXX stated that the information on my credit report is verified as accurate. However, none of the credit bureaus is 100 % percent accurate or compliant to the FCRA laws. In which, I strongly believe that I have proven and provided enough evidence to this complaint. So, I need this account to be deleted as soon as possible base on the consumer protection law. 

Under the consumer protection law this account is not practicing the Act. And the Acts are Fair Credit Reporting Act, Fair Credit Billing Act, Equal Credit Opportunity Act, Truth and Lending Act, and the Fair Debt Collection Practices Act.
Transunion had a glitch in their system that violated the rights of their consumers under section XXXX. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquires be removed :
late fees have been charged to the account and are the only charges on the account Two previous calls to AMEX I was assured late fees were waived. each time the charges have not been waived and more late fees are assessed against the previous late fee. The third call I cancelled the card and was again assured that all charges were waived and result in a XXXX balance. That call occurred on XX/XX/18. when I cancelled the card I spoke to an on-shore representative and explained the issue. His advice was to speak to a supervisor if the charges were not removed. Once again the charges were not removed and more late fees assessed. I call back to AMEX on XX/XX/18 and asked for a supervisor. I was told the supervisor would call me back in 15 minutes. It has been 4 days and I am now submitting this compliant on XX/XX/18.
My loan has been delinquent for years I explained to the mortgage company my hardship which was my home was severely damaged during the XXXX storm and was not able to reside in my home and for two years no one lived there while I finished all repairs and started the renovation process since then I finished quit a few packets for loan modification and have provided every paperwork that they requested. I have proven to afford my home and have passed state and county home inspections to occupy my home, I would like assistance in my loan because I can afford my home and I want to keep it.
I dispute this debt belongs to me so I repeatedly requested validation. I received no documentation in response to my requests so I called XXXX via telephone and they confirmed they have no documents whatsoever. As there is no evidence of this debt at all, the trade line should be deleted from my credit report.
About a year ago I had a gym membership. I had switched cards and failed to update my information, which is on me. I understand. However after calling through the gym, another company and finally to a company called First Credit Services, I was on the line with an individual who was very vague and seemed to only respond to very fixed statements and out who I was, the gym i went to and a fairly outrageous dollar amount I had to pay. 
After some time and agreeing to a payment plan from them I got off the phone and looked them up very quickly because I immediately had no trust in them. I found out it was a scam and quickly cancelled my card. It 's one thing to try and pay a debt but when I receive no information and am routed to a " comoany '' that was very intent on me making a payment that day for a high dollar amount sent me off to file this complaint. I am not going to help out a scammer.
I used the OneMain website to inquiry about their personal loans and their website is very clear that it will be a soft pull on your credit report. They in turn did a hard pull. I twice asked them about this and they gave a standard answer. I have attached all documention and have sent letters to all 3 credit reporting agencies to have this inquiry removed. All pertinent information and proof is on the letters I have provided.
XXXX XXXX XXXX  they're attempting to collect a debt for a debt of Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the amount of {$490.00} which has not been verified I have asked several times for them to verify the debt several times and yet they have not verify any of the information.
THERE HAVE BEEN MULTIPLE ATTEMPTS TO HAVE CREDIT CARDS ISSUED OR EXISTING CARDS MAILED TO AN ADDRESS IN XXXX WHICH IS NOT MINE ( I LIVE IN XXXX, FL AND HAVE NEVER LIVED IN XXXX ). WE ENROLLED AND PAID FOR XXXX MONITORING. THEY REPORTED IN AN ALERT THAT A NEW ADDRESS WAS ENTERED ON OUR CREDIT REPORT. I CALLED EQUIFAX AND THEY SAID THE NEW ADDRESS WAS ADDED BY EXPERIAN AND THAT I NEEDED TO CALL THEM. I CALLED EXPERIAN AND THEY SAID THE REQUEST CAME FROM XXXX XXXX AND I SHOULD CALL THEM. I CALLED XXXX XXXX AND THEY SAID THEY HAVE NO RECORD OF ANY XXXX ADDRESS ON MY ACCOUNT. 
THE EXPERIAN CREDIT REPORT NUMBER IS XXXX DATE XXXX XXXX, 2016 THE ADDRESS THAT IS FRAUDULENT IS XXXX XXXX XXXX, XXXX, FL XXXX ADDRESS ID XXXX XXXX XXXX DOES NOT RECOGNIZE THE ADDRESS. 
I SIMPLY WANT THIS ADDRESS REMOVED FROM MY CREDIT REPORT SO SOMEONE CAN NOT TRY TO CLAIM THAT I LIVE AT THIS ADDRESS.
XXXX XXXX I have been dealing with acceptance now on a account that was not in contract but continues to report to my credit report as open and delinquent I have reached out to the district manager and higher and have not gotten the proof needed I get told off and talked to bad as of now the delinquent have hurt my credit score tremendously they have lied liked they call me and have not I am fed up with the treatment and my credit being damaged because the manager refuses to send me the letter stating this is closed
I filed a home modification with Caliber Home loans XXXX XXXX due to falling behind on my mortgage. I filled out the paperwork and submitted by email and fax. Several days later I call and they ca n't locate the paperwork, next time I call they have all the paperwork and the modification dept was going to review. I receive a letter stating I needed to send more information and I email the information and receive another letter not enough information- this has been ongoing for a year now. Same story they received the requested documents and then I receive a letter that they need more. I hired a lawyer and he has had the same issue with this company. Meanwhile they tell me not to send a payment because I 'm going through modification and I 'm behind. Now 8mos into this ongoing issue I am going to be faced with foreclosure because their departments mysteriously lose documents after I keep resubmitting.
Received a letter from IC Systems stating that they have sent my information to the credit bureaus in regards to the debt with XXXX XXXX XXXX XXXX. Whereas I was making payments on my account and was in constant contact with the XXXX office on charges and was told by personnel that they were still claims on my account with the insurance company and they will contact me when claims have been resolved and I will receive new payment information.
I'm requesting that the following accounts be blocked from my credit report, ( 1 ) XXXX XXXX XXXX, {$120.00}, XX/XX/XXXX, I was not in XXXX Hospital on XX/XX/XXXX, so this account can not be mines. And in accordance with the FCRA law physical documentation need to be presented to the consumer and if not the account shall be removed. Also I have absolutely no contract with the above. Account # 2, XXXX, {$910.00}, XX/XX/XXXX, this account is not mines either, and nor did I ever have a contract with this company, Account # 3, XXXX XXXX XXXX {$1000.00}. And account 3,4 and 5, XXXX XXXX XXXX, {$56.00}, {$52.00}, {$52.00}, XX/XX/XXXX, XX/XX/XXXX, I do not have a contract with any of the above.
since XX/XX/2017, I have sent over 25 letters to the three credit agencies, XXXX, .XXXX and transunion . Those letters were comprised of ; change of personal information ; hard inquiries ; collections of fraud ; accounts that are fradulant etc.. Each letter was timely, giving 30 days response time with notices of possible small claims action, yet they refuse to correct /remove the mentioned complaint.
On XX/XX/19, I ordered our free annual credit reports from all credit reporting agencies. We received our XXXX  reports within 7 days, XXXX   followed 2 days later. We have not received our Equifax reports. We did not receive Our Equifax reports last year but decided not to make it an issue. Contacting Equifax without a report # is impossible. Tried to re-order but denied because we already ordered them. 

We want our free reports.
I have mortgage with XXXX which originated in XXXX, XXXX. They used Loan Care for their mortgage payment processing. I submitted payments directly though them, although would occasionally also use The XXXX XXXX 's web page. On XXXX XXXX, XXXX I submitted my monthly payment to them using my credit union 's bill pay feature ( as I had done in the past ) I did not know that it had been transferred the previous month. I was told in XX/XX/XXXX, by the XXXX XXXX, that my XX/XX/XXXX payment was late. I then found out about the processing center being changed. I contacted Loan Care and asked them to forward my money, as they had in the past, to the XXXX XXXX, or to return my money to my account. I had used an electronic transfer, so it should be easy to verify. As of XXXX XXXX, XXXX they still have not forwarded or refunded my money, making my mortgage now 4 months late. I have placed numerous calls and emails to Loan Care to get this resolved to no avail. I call every XXXX days. Often, they will tell me they are waiting for information I already supplied. They tell me it is forwarded to a manager, and that they will contact me. No calls are returned. I have asked XXXX XXXX to help, since the loan originated with them. Nothing has been done.
I filed a complaint Case # XXXX and the claim was closed before i received my credit report. XXXX is still reporting incorrectly to XXXX XXXX and possibly Equifax. 


At the end of XX/XX/XXXX I contacted XXXX XXXX via phone and in the process the customer service rep asked me to verify personal information. I was asked to verify my birthdate and when I replied XX/XX/XXXX the rep refused to continue the call because I did not answer correctly. I called back and spoke with a different rep and was informed that there were multiple ways to verify a customer account and the birthdate didnt need to be verified to continue discussing the account. At that point I was concerned I had this account since XXXX Shortly after XX/XX/XXXX I received a letter notifying me that the Mortgage Origination Date was corrected on XXXX for tax year XXXX and I would receive a copy via mail. I immediately called XXXX and spoke with XXXX XXXX and she informed me that my case XXXX was being handled by XXXX XXXX and gave me his direct contact number XXXX XXXX XXXX which did not work. While on the phone with XXXX I checked my credit report for all 3 credit bureaus and discovered that XXXX  did not have XXXX XXXX  reported at all only XXXX XXXX. I refinanced and had a first loan with XXXX XXXX and a second line of equity with XXXX XXXX  in XXXX. I refinanced the first loan with XXXX XXXX  in XXXX and the loan was paid off but I still had the second loan with XXXX XXXX. XXXX had no record of XXXX XXXX which explained why my credit score was 30 points lower than XXXX  and Equifax. I immediately initiated a dispute with XXXX and they responded swiftly XXXX XXXX XXXX stating there is nothing they could do because the account never appeared on the report. I then submitted another complaint disputing XXXX XXXX  instead of XXXX XXXX  after speaking with a manager at XXXX to get XXXX to respond so they could discover the error with my XXXX XXXX. XXXX  responded XXXX XXXX XXXX to the second dispute and I still had not heard from XXXX XXXX.
I applied over the phone for a mortgage with Bank of America on XXXX/XXXX/2015. I gave them permission to pull out my credit for that day. While I was checking my credit file, I discovered they made another hard inquiry again on XXXX/XXXX/2015 without my permission. I emailed the loan officer and I never get any response. I contacted the credit bureau, they said they can not remove it. They advice me to file an identity theft complaint with you and mail to result to them to remove that inquiry from my file.
Capital One Auto is reporting a late payment XX/XX/2018. It is impossible. We traded in the vehicle XX/XX/2018 and there has been a zero balance on the account since the dealer sent the pay off check in XX/XX/2018. This reflects perfectly in the history of the balances on my credit report. If you look at the balance history it is obvious there could be no late as there was nothing owed for 6 months prior on an installment agreement where no additional charges could have occurred. 

Capital One Auto acct # XXXX I am attempting to secure housing for my family and this is impacting my ability to do so. It is inflicting severe financial and emotional damage on me and my family. I am recovering from a serious illness caused by stress and this is causing a relapse.
Hi, I appreciate Experian and your hard work but you are incorrect on your last response on my home loan. This is very simple the lender I had was XXXX XXXX I'm not disputing that ok. What I'm disputing is the loan balance it's been paid in full. I sold the house! Sighned the closing on XX/XX/2018. I want the balance to be shown as a XXXX balance on my report and XXXX debt under where it says realastate debt. Since a buyer has already bought the house. XXXX XXXX XXXX XXXX is the company that closed the house. XXXX is the number to XXXX XXXX XXXX XXXX. I have uploaded and by mail sent proof house was sold and closed to Experian already. But Experian has failed to get the correct response on my report. I want a zero balance showing on my report under XXXX XXXX. Thank you!
Someone duplicate my debit card and the bank closed my account on the internet. When I called to complain, they asked me about the last transaction and they did not charge me for other charges they had then. Four months later I realized that there were fruity charges and after the investigation they reported that I spent a lot of time. I had not noticed these fraudulent charges because they closed my internet account and I informed them that I was out of the country so I did not have access to my account statements. Nor did the operator inform me that there were charges after my last transaction.
An investigation was completed on my credit report Completion Date XX/XX/XXXX. 
Report Number XXXX. Item was deleted on my report and placed back on my report. I reached out to equifax on XX/XX/XXXX and advised them that the items was placed back on my report. doing the conversation I was told that the Items was found and would be corrected. After waiting and updating my report several times. It has come to me as of XX/XX/XXXX, that the report is still stating that the items are still on my report. I am asking for my report to be updated and corrected.
XXXX co-branded airline credit cards ( XXXX XXXX XXXX XXXX XXXX, Citi XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX Visa ) offer free baggage checking to the primary card holder and accompanying passengers. But this benefit does not apply to non-primary cardholders flying alone, though they do possess their own co-branded card with their own name and a linked account number. On at least 2 occasions, my spouse, when traveling alone, was denied free baggage checking, even though she had the appropriate co-branded airline card. this is blatant discrimination against the 'little woman traveling without hubby '. These credit cards issued to by the non-primary cardholder are valid for any purchase around the world but can not be used for the benefit of free baggage checking when the non-primary card holder travels alone on the appropriate airlines. The fees for baggage checking seem to start at {$25.00} or more for each trip and would be even more with minor children traveling often with a woman not accompanied by her husband. I think all such fees should be disallowed and refunded to all spousal passengers who have had to pay for what would have been free if 'hubby ' had also been traveling. I blame both the financial institutions issuing the credit cards and the airlines for coming up with these restrictions. The fact that these restrictions are vaguely mentioned ( " all passengers traveling with you '' ) in the information sent with the credit cards does not make it fair or reasonable. Thank you for your attention to this matter. And I hope the CFPB manages to survive intact despite the desires of those who are so offended by a government agency protecting citizens who are victimized in financial matters.
I ordered a XXXX Wells Fargo credit card for our daughter to use in case of emergency. 
The brochure with that XXXX credit card clearly stated that she could get a cash advance ( in case of emergency ). Our daughter tried to get such a cash advance at XXXX different branch locations without success. While this was going on I called Wells Fargo headquarters and was informed they had no power over any branch office to assist.
I had deposited a check on XXXX XXXX 2014 via mobile deposit for {$350.00}. On XXXX XXXX, {$350.00} was taken out of my account as a credit adjustment and when I contacted Wells Fargo they informed me that I had made a duplicate deposit of the same item on XXXX XXXX. but I never made that XXXX deposit. I went to a Wells Fargo branch and after sitting there for hours trying to figure out where they were seeing this duplicate deposit, they informed me the check had been deposited into her wells fargo account. I filed a fraud claim right away and went down to the police department and file the police report because somehow this woman had stolen the check and which I did not endorse the back of it. therefore Wells Fargo had accepted a non endorse third party check to be deposited which is against their policy so for Wells Fargo to cover their mistake of negotiating the duplicate item, they withdrew the money from my account to pay this woman. it has been a month and a half and they still have not refunded me {$350.00}
I was signed up for direct debit and all of a sudden they took me out with out notifying me and when I kept calling and trying to log in online the password would not work I kept reporting it no one would help me and now my credit has dropped over 90 points while I am in the process of trying to buy a home. I have tried to get help and I have tried to have them remove this off my credit with out a reply, like all the other times I was trying to get help before it was to late. This company is a scam and they have ruined my life and credit.
Hello, I opened my CitiGold checking account with a promotional code to receive XXXX Thank You points and now am being told I wo n't receive them. I have been told by multiple citi agents via chat and phone that I did in fact sign up the correct way, completed the required 2 bill pays and would receive the points within 90 days ( XX/XX/XXXX ). Since then I have only been billed the $ XXXX monthly maintenance fee and received no points. One agent refunded my first {$30.00} fee and even promised me an additional XXXX points for the troubles. He then sent this information to what they refer to as " research '' and research denies it telling me I wont be getting anything because they do n't feel that I should. This is a scam and awful that they are doing this to people.
Repeated phone calls from rude and harsh debt collector who do not state the specific reason of the debt and demand address and other personal information. The person also said in a threatening tone " well I have your address '' The collector spoke to me in a rude/scolding manor as if I was a child. Even after politely expressing that the collector was rude she continued to be condesending and rude interupting me every time I tried to speak. 
The collector also would not release any information about their agency.
In XX/XX/XXXX, I made the purchase of some XXXX to the company XXXX XXXX, this company since day number 1 that made the delivery of the equipment was delivered without the software that would be the main tool of work, after calling and performing in controlled by them cybernetically were those who nailed the software to the computer, without providing any type of CD, Password, or Key product. After a week the product began to fail such as computers, we got in touch with them and several opportunities were told that I wanted to return everything and that I would be reimbursed for my money since the service was bad, deficient and not I had no more than 72 hours and I already had problems with computers, after so much insisting on calls and emails I had to call to my credit card, where I was still in my legal time frame to make any claim, which accepted me to begin a case. 
The bank of this card was XXXX XXXX Mastercard.Then they started the temporary credits, which were removed from my account again, Then they started asking us for proofs of what happened and I were provided with all the emails that I had with this company and photos, then every time I called they told me that I had to keep waiting, I received a letter from XXXX XXXX Mastercard where I was left to know that XXXX XXXX also responded to the case but they agree to return the money if the computers are returned, after receiving this letter several times I try to communicate with XXXX XXXX to know why they had not sent us the shipping level to return it or at least provide us with an address to know where we would send it, at the same time I communicated to XXXX XXXX Mastercard and asked them what had happened with the software because that I never received the product, not even in key product license by email at least and they told me that they were still disputing that ; I let them know that the XXXX XXXX  company did not answer me and they told me that if I wanted to continue with the case I had to send a letter by fax and send it to the address that appeared in the contract and send it to them and that way they could already make the hardware credit,2 times I was let know that I had to write letters to continue with the process, which I did, on XX/XX/XXXX I received a call from the case manager letting me know that they could not continue with the case since Mastercard did not allow them because The deadline had expired and there was not enough evidence to return the money.