WillisBack/dataset-financial-user-claim huggingface dataset:
I recently had fraudulent activity on my Capital Credit Card ending in XXXX. I miss-placed my wallet and my card was fraudulently used at an ATM machine. Capital One is stating that they are holding me responsible for the charge even though they are clearly Fraud ; and I nor anyone I know did not authorize the charge. They are stating it is due to the fact that I had my pin number stored in my wallet.
Due Diligence from XXXX was not performed on my credit report related to XXXX XXXX XXXX accounts : 1 ) # XXXX, opened XX/XX/XXXX and closed XX/XX/XXXX, most owed {$170000.00} and 2 ) # XXXX, opened XX/XX/XXXX and closed XX/XX/XXXX. I asked it to be removed from my credit reports based on the Independent Foreclosure review performed by the Office of the Comptroller. Per this review, the Office of the Comptroller concluded that XXXX XXXX XXXX practiced " deficient mortgage servicing and foreclosure processes. '' As due diligence does not appear to have been performed by any of the CRAs on this matter, I am asking that these items be removed from my credit report immediately and a rapid re-score be performed. 
Also, I am seeking damages as this derogatory information based on " deficient mortgage servicing and foreclosure processes. '' caused me to be denied employment.
I reviewed my credit report and found a XXXX account on there in which I disputed with the bureau 's and XXXX due to me NEVER having or authorizing a XXXX account in my name..I am only XXXX years old just turned XXXX in XXXX, Never lived on my own, never had any bills in my name. 

I cant quite understand how the Credit Bureaus are stating they verified this information as accurate, and when I asked them for their method of verification, they never responded with such only another response letter saying that the account was verified. 

I contacted XXXX as well and requested account validation, and asked for an investigation into this account, and again I received no response which is why I am submitting this complaint at this time.
I went to the free sight for getting my annual report. After entering all info and gaining access to the page beginning process I checked all XXXX reporting companies. I went to my first company XXXX and was given access to my report. After perusing the different accounts and saving and printing the report, I then clicked " CREDIT SCORE ''. There was nothing on this page. 
My second Company XXXX showed me the following : " WE CAN NOT DISPLAY YOUR REPORT ONLINE ''. o further explanation was given. I was able to purchase the credit score by joining XXXX for {$1.00}. I then got the score but had to cancel my membership within 7 days or be charged the full membership which would be automatically renewed every year until i cancelled. I, of course immediately cancelled. The 3rd company, EQUIFAX, was the worse. They simply responded, after my entering pages of questions, that " WE CAN NOT DISPLAY YOUR REPORT ONLINE '' .No other offers or explanations were given.
On XX/XX/XXXX I filled a claim with Citicards Advantage Mastercard Travel Benefits due a lost luggage claim. I submitted all the paper work after my luggage got declared lost. I received a email from then later saying that I never submitted the claim, where I actually have as proof the email sent at the day I stated on here. Now they do n't want to pay for the lost luggage because they said I need to send the replacement receipts. I already sent all the receipts from all i bought before I lost the luggage as proof of items that I lost. On the Guide Protection Benefits on the Lost luggage is not stated at all that I have to purchase all the items again, I mean I lost the luggage. I am not filling as delay luggage! Even so they are still pending due this receipts. They should have on the Guide Protection consumers PDF that when you loose a luggage you should go re buy everything in order to get paid for the items you lost. They are wrong because it should have in that book, also many years ago my husband got a luggage lost and did n't need to re buy everything. I need you guys help in this matter please. The CITIBANK Advantage Mastercard cards also they have the worst customer service, before I told the problem on the phone to them, I asked about the Protection and they only told that I have to submit the receipts of what I had on the lost luggage, then later they kept asking me they need the receipts now from the replacement, where in the guide the replacement receipts are only asked for damage claims. Everyone should be very cautions with Citibank cards because honestly the are a such Scam and they have the worst customer service, I have to make a lot of calls at the claim department and have to wait for a long period of time as well.
I am very disappointed with Citibank Advantage Mastercard.
I highly do not recommend this card to anyone!
They call from multiple numbers sometimes from different states to get people to pickup. So far this month I have received 5 calls. I do not want to talk to this woman who has my case file. I have never had issues with collectors beforw. But this whole thing seems fishy to me. When I got evicted I only owed XXXX that was what was on my eviction notice. About 7 months later I get a call in the middle of my college class, not one call almost about 10 to 20. I thought someone in my family died. The lady would n't let me get off the phone to go back to class and so I hung up. Week or so later I get another call, and I 'm trying to figure things out there were some issues with the apartment like mold that I needed to get an answer for and she kept talking over me yelling saying that I said I 'm refusing to pay the debt, that I have n't given anything in 6 months and that I 'm irresponsible and that she was going to call the apartment complex I rented from that I qas evicted. Now I disclosed to my landlord that I was evicted and I rent from a place that allows to rent with evictions so I covered my XXXX. They threatened to call my parents who have no connection to the lease I signed for the apartment I got evicted from and I told them they were not to do that because they did n't sign anything and we 're not liable and could n't help me out anyway. I just got berated and talked over the whole time. They call me at least 5 to 10 times a month. I got some legal advice because apparently they are tacking on interest to my bill which when I got the letter from them finally saying what I owed it had gone from the XXXX on my eviction notice to XXXX dollars and now I 'm up to almost XXXX dollars. I do n't give them anything because I have n't received a statement of everything I have charged for the lady told me over the phone, but I do n't even know what I am paying for. I feel violated and do not appreciate the aggressive behavior that has been exhibited by them. I also asked to speak to the owner or the head of the company and they refused to connect me with him so I do n't know what 's going on. I looked them up online and there are pages of complaints by people saying the same thing I have they get harassed, multiple phone calls, threats to call third parties, threats to call apartments we rent from. I just wanted to let y'all know that I read the fair renters act or law and they break quite a few things on it. I also got asked to settle by XX/XX/XXXX for XXXX or something like that and XXXX by XX/XX/XXXX. With my job I ca n't make that ever, not even close I work for tips and even if I worked every day all day the entire month I would be nowhere close to that. They seem to set high high expectations and I ca n't do it.
XXXX  retaliated againgst me for reporting them. Fraudulently stated I recently reported identity theft which I did not. Multiple disputes used the cover that I reported identity theft to avoid handling my legitimate disputes with XXXX XXXX, Santander and XXXX. XXXX  should be investigated today the lowered my credit score 68 points because of XXXX XXXX a company that failed to advised what happen to my return and what they are ruining my credit over. XXXX should be fined for manipulating my credit score showing as if XXXX XXXX is a recent legitimate debt. Without showing debt or proof of debt.
I use to have XXXX loans with XXXX and then consolidated them into which then it went to navient. I have been in forebearance or deferment for the last few years do to hardship. I recently received a small settlement and would like to pay off my student loan. Like most people know student loans do n't usually settle. I owe a little over XXXX at the moment when I received these loans I only borrowed a little over XXXX. Anyway my complaint with Navient is how much interest has occurred on these loans in such a short time. From where they were at when Navient took over till now. Is there someone who can look into this and see if I 'm being ripped off or what can I do. I want to pay this loan off now but for the right amount and I think I 'm getting screwed over with the interest rate and how my loan has went up so much with them so fast. Please help me
On XX/XX/2017, I attempted to pull my annual credit report from TransUnion through the " annualcreditreport.com '' website. After filling out the form, I received the message, " Unable to Complete Your Request ''. Beyond that statement I was not given any other information for why I was receiving this message. Additionally, I was not given any contact information to understand what this message meant, let alone a source that I could contact to try and get this problem fix. As you can imagine, after receiving a message like this, I searched the rest of the website for some kind of help. The only thing I was able to eventually find was an online form. No phone number, no email, just a form. Well, I filled out the form, hoping, that someone could help me. They never responded. 
I figure since " annualcreditreport.com '', is sponsor by the XXXX credit bureaus that I would contact TransUnion directly to discuss the matter with them, since they were the ones that the report was not coming up for in the first place. It should be noted that the other reports for the other credit reporting agencies were in fact coming up, just not TransUnion. Well after spending several hours on the phone talking to 6 different individuals at Transunion, I was no closer to getting a single question I was asking, answered. Transunion claims that I can get it online, but when I told them of the message I was getting, they simply told me to contact another number within TransUnion. When I told them I had already contact that number and spoke to an individual within that department, they play stupid and told me they could n't help me. Additionally, during some of the conversations that occurred with those six individuals, some of them alluded to some kind of reason for why I was not able to obtain my report, but when I asked them to clarify, or specify, or confirm what the exact issue was, they would, either, not say, or would tell me to contact some other department to get the details. When I did so, the only thing they told me was that I should contact the department I was just on the phone with before them. It was a complete run around. When I asked them why other external organizations are able to obtain my credit report, and I ca n't, and I am the one the report is about, they did n't have an answer for that either. When I asked to speak to a supervisor or to elevate this matter, they were of no help either. If that was n't enough, during this back and forth calls that were going on, some of the messages that I would get from one person would contradict what messages I would get from the other individuals who I had talked to. 
At the end of the day, TransUnion is not fulfilling their obligation to provide a credit report online. At the very least their employees are incompetent, unable to answer the most simplest of questions. Additionally, I suspect based on phone calls that occurred here today and the conflicting messages that I received, that some of them are lying through their teeth. I request that the CFPB investigate TransUnion shady practices.
On XXXX XXXX, 2017 the allege debt XXXX XXXX, XXXX. is reporting as owed is inaccurate and has been discharge pursuant 11 U.S. code 727. XXXX XXXX XXXX is reporting false information to XXXX. I have made several attempts to settle this matter and XXXX XXXX XXXX. continues to cause injury and damages to my personal credit, defame reputation, and slander my character. XXXX XXXX, XXXX is in violation of Fair Credit Reporting Act, Fair Debt Collection Practice Act, and NEW YORK STATE Debt Collection Laws..
In XXXX of 2016, my American Express card was hacked. I called and asked that myself and my family members be issued new cards. The person with whom I was dealing with on the phone was very difficult to understand. The American Express representative apparently changed the terms of my credit card WITHOUT MY CONSENT. The company made some of my charges " billed over time '' and changed the terms of my payment to " minimum balance '' causing me to rack-up INTEREST! If I want a credit card with interest as a component, I would obtain a low interest Visa card, not some random American Express interest. I have called every month since discovering this in XXXX. I have patiently explained that I do not WANT to pay interest. My account is on auto pay, and they are to draft the complete amount I owe each month. Each month the interest has been waived, I 've been assured it wo n't happen again, and it does. The last supervisor assured me the interest was waived and could not understand what I was upset about. When I asked if the actual settings were changed and this no longer would continue, she left me on hold and never returned. I remained on hold for an extended period of time. The issue does not seem to be resolved. They continue to charge me interest. I continue to call and they waive the interest. This feels like a XXXX XXXX situation where the company has put pressure on their employees to change the terms of the customer 's accounts for a bonus. Is that true? Why not investigate? I 'm sure there are many other customers on auto pay who do n't even know they ' re being charged interest by American Express. I think this warrants further digging by the CFPB. In a way they have issued me a new kind of interest generating credit card that I NEVER ASKED FOR!
I have been trying to get a modification for my home mortgage. I have been doing so since XX/XX/XXXX. I have submitted at least 4 times their requested documents on their application process. They always deny it stating I am only eligible for a short sale. I am working with a government appointed organization in XXXX County. I have sufficient income and not much debt. 
Submitted applications on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Hello, This concerns XXXX and my loans with that company. I have been paying on them for years but went into grad school so have had them in deferment for a year. 
I tried to log in a few months ago and the website said that my login information didn't work, that there were changes being made and issues with the site, and to wait. I couldn't log in for weeks. 

I tried to log in yesterday and it looks like XXXX has been changed to XXXX. My log in information does not work, and my social security # is not recognized at all. 

I called ALL numbers provided on the site for assistance, and my loans are nowhere to be found and there is no history of me being a client/borrower by using both my social security number and my mom 's ( who originally it was under ), and both of our birth dates. 

I am extremely concerned that my loans are with another company accruing interest and penalties for late payments and i have received NO notifications from XXXX about this change or what to do. The last email I received from them was XX/XX/2017 when I requested a pin number for a password change. 

I'm not even sure if these loans are private or federal and if theyre from my XXXX XXXX University XXXX or my 1 year at XXXX University. Please help.
I am in XXXX army XXXX and I have dropped XXXX classes of XXXX University XXXX thru the XXXX Portal XXXX. In this case, The XXXX University XXXX XXXX XXXX shall get paid for the 75 %. XXXX can not collect the full amount because I droped the class before the deadline. But after XXXX took the 75 % which is {$1100.00}. XXXX tried to collect addition {$370.00} from me personally. This was wrong claim because I have drop the class at its 75 % point. Now XXXX is using a company called Reliant Capital Solution ( RCS XXXX to get {$480.00} from me. RCS wanted this to be paid by XXXX XXXX 2015 with fees and interest. The claim is wrongful because I have dropped the class at its 75 % point. The fees and interest % is also so high that is over the Service Member Relief Act. Please help a solider in this wrongful claim and harassment.
XXXX  forced me to take this loan back in   XXXX  , the original amount was {$5000.00}, and it was service by  XXXX   XXXX , since then I 've having been paying this loan on time but I still owe about {$3300.00} on the loan, it 's has been 15 years I have been paying this loan alone, if this was a car would be done by now. I like to complaint about  XXXX   XXXX  Navient that ripping off students like me, and they still doing this to other students.
There is an inquire still showing on my report that should have been deleted by law. Name of company is XXXX XXXX the removal date was back on XX/XX/2018 and still shows on my credit. I'm trying to buy a house and is affecting me on my eligibility for it. Thank you in advance for your help to this matter. XXXX XXXX XXXX
I applied and received a loan from Check n Go. During my time with them I received XXXX late payments, which were wrongfully pointed to me. When I contact them about it they said that if I paid my account in full those late payments will drop. I pay around {$2700.00} to have those late payments removed and they have not. I contacted them and they are saying those late payments do belong to me, which even if they do, they said they would clear it if I was to pay the entire amount in full. I would please like these two late payments to be removed from my credit history.
I had my child in a daycare and made all my payments on time. I found out that this daycare was putting XXXX removed my child from this day care. XXXX other mothers did the same. I was all paid up at this time. I was then told by the woman that owns the company that I owed dues not only for that month, ( which was paid ), but also for the following month, which I did not. I have the proof that I owed nothing more to this company and can provide this. I then began receiving collection notifications from Pacific Credit Services that increased each month. I never received any notification from the daycare - no warning, grace period, statement explaining what I owed this money for, etc. My credit report now states that I owe {$790.00} for nothing. Not only that, but they continue to re-age my account, when I have made no payments, have had no contact ; nothing. That in itself is grounds for a suit pursuant to the FDCPA. This company is absolutely violating my rights and I intend to sue this company if they do not remove this negative and illegal listing from my credit report immediately.
On XX/XX/XXXX, I purchased a {$1000.00} money order from USPS. I did not need it so I deposited into my CHASE account VIA ATM machine. On XXXX it cleared ( or so I  thought ) and for the entire day my account was in positive status. At XXXX I get an email stating my account was - {$270.00}. They wiped out all of my money in my account. When I contacted them they said it wasn't THEIR fault, it was the fault of the USPS, that REFUSED payment. When I called USPS they informed me that the money order was NEVER presented for payment, and wherever it is its still a viable MO. My theory is that CHASE presented the MO with the wrong serial number or did something in ERROR and I am paying for it as the customer. They are closing my account, and USPS has told me that since they wont give the MO back ( only provides a legal copy ) they would have to do a 60 day inquiry in order to see why this happened before refunding my money. I have been to CHASE branches, where the employees are more than helpful, but cant do anything because " the return process has started. '' I am in a hellish nightmare, cant eat cant sleep had to stop my direct deposit, borrow money, and even facing eviction, and can't believe this is happening to me. The worse part is them saying USPS refused payment.I feel I was profiled for depositing the MO in the ATM. CHASE felt that a XXXX year old grandmother with the zip code in an urban area shouldn't have {$1000.00} and something must be fishy, so just give it back. They won't admit they're wrong, won't help me, has spoken to me horribly on the phone, BRANDED ME A CRIMINAL, all this while me and my family suffer. I am BEYOND devastated by this. Even the employees I have spoken to by going to the branches have tried their best to help me by scanning their fraud department my receipts making calls to help and they are turned away. THEY have even said THIS IS WRONG. I am at my wits end with this institution unwilling to admit their mistake and PROFILING me ... PLEASE HELP ME
During XX/XX/XXXX a new account with XXXX was reported twice. I only have one new account with XXXX. This affected my credit score that decreased one point. Also, XXXX-XXXX   decreased my credit limit but I was not informed. This information maybe wrong with Experian.
Between the years of XX/XX/XXXX and XX/XX/XXXX, my parents ( XXXX and XXXX XXXX XXXX : address XXXX XXXX XXXX XXXX, GA ) ( the police report upload has it a few items mistaken like the name on it has XXXX not XXXX ) took out many student loans under my name without my permission with themselves as co-signers. The disturbing part is the fact that the XXXX has paid for my entire schooling and I have proof of that. I had contacted all of the credit bureaus ( XXXX, XXXX, TransUnion, etc. ) to let them know what had happened with a police report and proof. But they are still reporting the student loans with incomplete/omitted information, that is bottom line fraudulent. Also after contacting them discovered that they were not keeping up with the right information anyway, like my home address. And if it was changed, my parents did so by using the return address on the gifts I would send my baby brother, never by me. They never tried to do research to find the paper trail, because if they did they saw the paper trail they wouldve seen that the money went into their private accounts and never used for school. The companies that Ive found so far are as follows ( all amounts are approximate ) : 1 ) XXXX/XXXX- {$3400.00} 2 ) XXXX XXXX XXXXXXXX- {$10000.00} 3 ) XXXX XXXX- {$17000.00} 4 ) XXXX XXXX XXXX- {$16000.00} 5 ) XXXX XXXX XXXX- {$10000.00} 6 ) XXXX XXXX- {$3400.00}
I am a Licensed Used Car Dealer with the State of Alabama. I contacted my friend XXXX XXXX at XXXX XXXX in XXXX, Alabama to purchase a New XXXX Truck under my Company 's Name using it's DUNs Number and EIN. He explained to me that I would have to XXXX the loan in which I new. I inquired about a XXXX XXXX truck, explained to him that my Transunion score was a XXXX and that I only had XXXX Tradeline. I made specifically clear to him to tell his Sales and Finance Manager to only pull my credit once, to only use my Transunion Credit report and to only send my loan request to XXXX XXXX. Well that did not happen, XXXX XXXX pulled my credit 3 times and they sent my loan request to 19 different lenders in which is fraudulent and unacceptable. I did not give them permission to blast my information to all of the Lenders they sent them to with me knowing that my Transunion report was the only hope I had. They took advantage of me, lowered my credit scores and now preventing me from Refinancing some commercial property I am buying on a lease purchase. I want all of the credit inquiries removed from my Credit Report Immediately