WillisBack/dataset-financial-user-claim huggingface dataset:
My fiancee and I are thinking about moving. Before we put in an application on an apartment, I wanted to check my credit score. I went to the FTC 's website and followed the directions to get my free credit report. Once I received my free credit report, I wanted to have the report translated into a credit score. I went to Transunion online. I believed I was signing up for a one-time fee of {$1.00} to receive my credit score. Transunion charged my credit card {$1.00}. One month later, on XXXX XXXX, I noticed a charge for {$19.00} on my card from Transunion. I disputed the charge with my credit card company and received a refund. I assumed it had been an error. On XXXX XXXX, I noticed a second charge, likewise for {$19.00}, from Transunion. I called Transunion. The first operator I spoke with demanded my SSN, full name, mother 's maiden name, and email. He asked if I wanted to " cancel '' my subscription. I explained that I wanted the charges to stop, but that it made no sense to " cancel '' the subscription because I had never enrolled. After talking to him for 8 minutes, he explained that he had canceled my subscription, but that the " system was down '' and that I should call back in an hour. I called back three hours later. This time, Transunion asked for my SSN, full name, mother 's maiden name, date of birth, email address, and security question. I then explained that I had noticed recurring charges on my card for services I had not enrolled in. I asked them to stop the charges. I also asked for a refund for the charges previously made. The operator stated that no refunds could be given for services that were provided. I then asked to speak to a manager. She said she would transfer me. The mechanical voice then stated " Please hold while we transfer your call. '' Twelve seconds later, the voice said, " We 're sorry, the transfer can not be completed. '' Then the line was cut. 
1. I did not knowingly or intentionally enroll in any program. I read the website carefully. 
2. I did not receive any services. 
3. I was charged three times for credit reporting services. 
4. When I tried to cancel, I was first told that the system was down. When I asked to speak to a manager, I was disconnected. 
5. I believe I have been defrauded by Transunion. I further believe that the amounts I have been charged are so small as to make the hassle of challenging the charge too great. I further believe Transunion imposes these charges on unwitting customers who need to use its services in order to receive their credit scores. 
6. I worry that Transunion was phishing for personal data and does not safeguard it as they should. I worry that they will sell it. 
7. I believe demanding so much personal data before discussing an account serves as a disincentive and discourages people from " canceling '' services they never applied for.
I sent R S Clark & Associates a request to validate a debt pursuant to Texas Finance Code ( see attachment " RS Clark Dispute '' ). They had 30 days to respond. They did n't. In response to a prior complaint filed with CFPB, they provided an accounting stating that this validates the debt ( see attachment " RS Clark XXXX '' ). It does not meet the requirements under the law and does not validate the debt. They have wholly failed to validate this debt and under the laws of the state of Texas, it must be removed from my credit listings.
Paypal has restricted my virtual payment account and is holding my funds for 180 days. They state that XXXX of my transactions did not follow policy but fail to cite specific text from a user agreement or terms of service. They claim my funds are being held in case of chargebacks or buyer complaints, however I have not received payments to this account over the past 180 days that would warrant the necessity of such coverage.
From my understanding, I was loaned out XXXX $ and i was going to be paying the XXXX  $ back plus a bit more for the fiance charges. I am instead paying back XXXX which i don't see why that is fair. I was never told the finance charges were going to be so high. By now it is XX/XX/18 and I have payed XXXX . I pulled out the loan on XX/XX/XXXX. I still have until XX/XX/XXXX to pay. That is way more money than i expected to be paying
On XX/XX/XXXX I signed up for a checking account promotional offer that I was targeted for via snail mail from Citibank. The offer consisted of the following requirements : XXXX AA miles bonus when you open a Citi Priority Account Package and make {$750.00} in debit card purchases and pay one or more bills for two consecutive months. On XX/XX/XXXX I had completed all requirements which were two consecutive monthly bill pays to XXXX plus a {$750.00} debit card purchase. 

Because we're 3 months past the fulfillment of the requirements, I checked with Citibank via online chat what was the status of the bonus. I received the following from the chat rep in regards to my request to check on the status of my promotional offer being disbursed : " You are correct. {$750.00} was made within 60 days upon opening which is XX/XX/XXXX. Two consecutive months bill payments made 1 in XX/XX/XXXX and the last one is XX/XX/XXXX. 
XXXX at XXXX, XX/XX/XXXX : And it states that : XXXX at XXXX, XX/XX/XXXX : The AAdvantage bonus miles will be credited by Citibank to the AAdvantage account within XXXX calendar days from the date when the client completed all offer requirements. Bonus miles credited will be based on the consumer account package at the time of qualification. 
XXXX at XXXX, XX/XX/XXXX : This should be posted automatically by XXXX Thursday. '' On XXXX I received an email notification that I did not meet the requirements. The following language was Thank you for choosing Citi for your banking needs, and for your enrollment in the Citibank {$600.00} Checking Offer ( " Checking Offer '' ). Unfortunately, we have determined you have not fulfilled the Offer 's required activities for the following reason : The required deposit balances were not met during the offer period My mailer offer was NOT for {$600.00}. It was for XXXX AA miles. The requirements were {$750.00} in debit purchases and two consecutive monthly bill pays. Citi may have a {$600.00} checking account offer that is worth {$600.00} bonus but this was not the offer that I received. 

I am seeking a resolution to this issue that Citibank is notorious for, not fulfilling offer promotional terms and conditions.
I called the credit bureaus and spoke to the representative. I informed her of wrong alias and addresses on my credit report. This is not my legal name as reported. The rep stated, they had been removed and I will receive an updated copy of my credit. My updated report is still showing the incorrect alias and addresses.
I went into Chase bank on XXXX XXXX XXXX XXXX XXXX GA XXXX. I applied for a business loan for the second time in two years. On XXXX XXXX, 2017 I got a letter from them that denied me. They said that it was for the following reason of derogatory personal public record or collection filed along with a few other. They also said that they relied in whole or part from a report from XXXX and my credit score showed XXXX. I pulled my credit and XXXX showed XXXX and XXXX XXXX score. I also have no derogatory public records as of XXXX/XXXX/17. I want to have CHASE investigated because I have been with them 13 years and want to know what criteria is needed to get a loan because I feel like I am being discriminated against. I am also seeking legal counsel on this matter. I can email someone supporting documents. 

XXXX XXXX
In XX/XX/XXXX. I opened both a savings and a checking acct with wells fargo and deposited over 130,000.00 initially to open my account. Over the next several months i took numerous flights back home to visit my mother in Texas who became ill. I was so busy i didnt have a chance to verify my banking transactions. When everything settled down i finally got a chance and noticed errors on my statement. A hand full of unauthorized charges adding up to over {$1600.00}. I repirted them to Wells Fargo and was issued providional credit instantly. Not even 10 days the credit was reversed. I asked for documentation as to why the credit was reversed but never did i receive anything. One employee told me over the phone that thete was nothing to send. So wells fargo based their decision on speculation. After several complaints they closed both my accounts. Thats the service I got after putting {$130000.00} in their bank not even 6 months earlier. I didnt know how to oursue this until I read about this website on line. And it so happens that i received a recent email from Wells Fargo asking me to submitt any complaints by XX/XX/XXXX and they would be happy to resolve the matter.
" XXXX '', XXXX XXXX XXXX has contacted myself along with my father and my step-mother 's father ( on XX/XX/2018 ) with a voicemail containing false and misleading information. I have audio recording of the voicemail, including the agent stating their company name as " XXXX '' instead of the full company name. Agent, XXXX XXXX, proceeded to state legal action was going to be taken against me if there is no response. When contacting the agent on XX/XX/2018, the agent never stated the Mini-Miranda warning. Agent threatened to terminate call without resolve when I brought this up. Agent transferred me to a manager. Manager did stated the Mini-Miranda. Manager transferred me to the payment processor, and I signed a document listing the series of payments. No where on this document states I can not cancel this series of post dated payments. I contacted the company XX/XX/2018. Agent on the phone did not state the Mini-Miranda. Agent stated that I signed a contract of these series of payments and at first stated they can not be cancelled. Agent then stated payments will be cancelled and this will be sent back to the client, did not state who the client is, to be sent to another agency.
In XXXX of 2015 before the sheriff sale, wells fargo gave a cleaning permission to break into my house. The company XXXX XXXX XXXX XXXX XXXX il stole all of my electronics and furniture. I made a police report and contacted the bank. The bank then told me they would compensate mr . They never did. They bank also assured me {$3000.00} in relocation monies if I did not destroy the house or take the appliances. We left the house in very good condition. The bank sold the house for {$50000.00} more than I owed and left my family out on the street with no relocation money. Then they are reporting that i owe them on my credit report.
Vital Recovery had contacted me several weeks ago, outside the hours of XXXX and XXXX. At that time I advised them that although I have an XXXX phone number I actually live in Hawaii. I advised and confirmed with them my physical address, and advised them that I do not wish to receive calls outside the XXXX to XXXX window. Today XXXX/XXXX/2015 I received a phone call from them at XXXX XXXX XXXX Time.
I have disputed the late payments accounts for months. Experian refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP. XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ;
hhgregg / Synchrony bank / GE capital involved in predatory lending when they sold me home appliances. They labeled their lending as interest free. They never send me any paper statements showing that they were charging me interest. Lender asked me to provide my bank account number so they can setup automatic payments, and promised me that they will not charge any interest when I gave them my checking account number. 
they have charged me XXXX in interest over last 3 years and I sill have half the outstanding balance. Lender used tricks in me thinking that I was not paying any interest by not sending any paper statements. 
I am requesting full refund of all the interest I have paid in this account.
Experian will not update a judgment lien from the Circuit Court of XXXX County or allow me to dispute the item just because they investigated my original dispute in XX/XX/XXXX. I paid the judgment lien a year later in XXXX. Twice, I have mailed in a copy of the satisfactory letter and nothing is done. XXXX and XXXX has already updated my credit report.
On XX/XX/XXXX, I called XXXX XXXX XXXX XXXX to be guided on a personal loan I wanted to request and XXXX XXXX let me know the documents I had to provide. On Monday, XX/XX/2018 I sent the application online and then I sent the other documents by email as required by the instructions. The same day, XXXX XXXX XXXX XXXX XXXX called me to let me know that he was going to send me the application by email because the system had not registered it when I filled it out online. Immediately I proceeded to fill it out and sent it to XXXX XXXX 's email so he could process it. Today, XX/XX/XXXX, XXXX XXXX called me to inform me that he needed my husband 's information so he could process the request. I informed him that the loan was going to be requested only by me since my husband has the credit very affected and I did not want that to affect the low interest rate that they could offer me if I did it by myself. I mentioned that I had previously obtained loans without including my husband, but XXXX XXXX replied that including the spouse was a rule of the bank. I told him that I didnt know that it was mandatory to request with the husband since it wasnt explained in the web page instructions, not in the application and not when I called to get the orientation. I told him that if I had seen that rule before I would not have applied for the loan because I wanted to do it by myself. I asked him if he had obtained my credit report and he said yes, that he had it with him and that the score had gone very well. I understand that XXXX XXXX had to wait until he had the main documents and then proceed to request my credit report because in the application I let him know that my marital status is Married. This action resulted in my credit score having been lowered because I didnt accept that my husband entered the loan without having knowledge that it was a requirement of the bank. It is fair that this inquiry be removed from my credit history because I have no knowledge of this bank rule of having to include the spouse in the personal loan.
I have received calls from XXXX and indicated they were on a recorded line. Advised the number the person was calling was place of business and they need to contact on the personal phone. They have called a couple of times and it is inappropriate to call the work place.
After purchasing an item on XXXX on XXXX/XXXX/15, I clicked on the " Go To XXXX '' link. Instead of then being allowed to choose my payment option as had always been the case previously -- including twice the very day before -- my XXXX XXXX was charged WITHOUT MY AUTHORIZATION. Upon realizing what had just happened I tried for appx XXXX hour to void the transaction and pay by my usual method, to no avail. I then tried to contact the seller but he was away and by the time I received a response his assistant had already shipped item. XXXX and PayPal customer service, when finally reached, were, not surprisingly, no help whatsoever. Not wanting to alienate the seller after the item had already shipped, I sent a second payment through PayPal on my regular credit card, and then disputed the original unauthorized charge. Charge was temporarily removed pending the investigation, whereupon I was asked to submit documents, which I did, faxing conclusive proof that the seller had been paid as I had originally intended, but the unauthorized charge was reinstated anyway, despite the seller now having been paid XXXX. Countless attempts to deal with the company directly have gone absolutely nowhere.
XXXX LETTERS IN AND THIS COMPANY STILL WILL NOT TAKE THIS OFF OF MY CREDIT REPORT AND STOP SENDING ME PAPER WORK THAT DOESNT BELONG TO ME!!
Speedy cash sold my file to XXXX XXXX XXXX XXXX. This was paid and has been disputed with XXXX XXXX several times. They reported on all XXXX credit bureaus, received an attorney letter plus has been disputed with all XXXX credit bureaus since XXXX 2011 and they refuse to remove it. Statute of Limitations in Texas is 4 years. They are a debt buyer illegally reporting
We changed homeowner insurance companies in XX/XX/XXXX. Navy Federal was notified immediately. The annual premium for the new company was paid in full by me, by check, check # XXXX, at the time the new policy was taken out. Navy Federal, however, went ahead and paid the old company a new annual premium after being notified that we were not going to renew the policy. I notified the old company that the refund should be sent to me since I had paid the premium in full for the new policy. I sent Navy Federal a copy of the canceled check proving the payment in full. They feel the refund from the old insurance company is theirs to keep and I was out of line to claim it. I have requested an escrow analysis. I keep getting verbal analysis that change daily. Friday, XX/XX/XXXX, I had a surplus of {$360.00}, today, XX/XX/XXXX, I have an overage of {$39.00}. ( Nothing has been paid out. ) How does it fluctuate so dramicatically? ) When I question that, I am told that they are not going to talk to me because I am being unreasonable. I don't think it is unreasonable to try to understand where {$300.00} went in 4 days when there were no expenditures! This is the second complaint of this mortgage division in three months. Do you think we are being singled out? I have furnished copies of tax statements, cancelled checks, invoices, etc. I have faxed, emailed, and scanned and submitted on their system. They claim they have not received them. They processed the checks.
I contacted Capital One about my credit card 's annual fee and what other cards I can get because the one I currently have does not seem worth it. It was assured that my annual fee would be fully waived/credited so I would not have to pay it to keep the card since they were not allowing me to upgrade to the no annual fee card that has the same exact benefits ( even though my credit score is in the range for that card ). My fee recently posted and they now are telling me all they can do is credit {$20.00} of the fee. I feel like I was scammed and this is a bait-and-switch. This is very unprofessional and I feel like I have no power since all representatives I called are not honoring their word.
this has been going on for abo ut 2 mths with captial one they dont  care are they treat you on my credit report ga power that dispute. there is no delq on my acct .it has been update
XXXX XXXX XXXX XXXX XXXX is trying to collect a credit card debt that is not mine. Someone stole my information and opened a Capital One Union card with my information. 
They called my wife 's cell # and demanded she verified all my information thereafter demanding she paid my debt. The phone # they called my wife from is XXXX. 
Capital One has been trying to take money out of my XXXX bank account to pay the credit card. I called XXXX and put a stop to the payments. I haven't been able to resolve the issue with Capital One and now XXXX XXXX XXXX XXXX XXXX is calling my wife for payment.
XXXX XXXX XXXX XXXX is reporting a debt that they charged off and can not legally verify belongs to me. I have no recollection of the said debt yet all 3 credit reporting agencies refuse to remove the debt after several rounds of dispute. None of the 3 credit reporting bureaus have provided any documentation with my signature nor anything that validates the accounts. They simply refuse to follow the FCRA section 609 guidelines. XXXX, Experian, and XXXX XXXX continue to willfully report this inaccurate information and severely affect my potential to receive credit. I have asked for copies of verification of the original contracts or bills singed by me, which by law, is my right. I have yet to this day to recieve such verifications on any dispute i have ever filed.
DISCOVER BANK WOULD NOT ALLOW ME TO CASH MY CASHBACK BONUS BALANCE ON MY CHECKING ACCOUNT
I opened an account with citibank - specifically checking and savings account under a promotion which they were running, The terms of the bonus was to open a citibank account package between XX/XX/18 - XX/XX/2018 and within 30 days deposit {$15000.00} to new checking or savings account and maintain the balance for 60 days - Get {$400.00} deposited to your account. 

I opened the account package on XX/XX/2018 and funded my savings and checking account with {$100.00} and {$15000.00} respectively on XX/XX/2018. It has been over 90 days since I satisfied the conditions of the offer and I am yet to receive the bonus. I did chat with the customer service twice and I was given different information both the times. Once I was told it is not 60 days and it is 60 business days. The offer does not says 60 business days and it is clearly 60 days. The other time I was just told to wait. 

It appears Citi is just giving a run around for their customers and not honoring their promotion. I have all evidence that I satisfied all terms of the offer. I would like to get my bonus ASAP
I filed for bankruptcy in XXXX XXXX it was dimsd/closed chXXXX. Then in XXXX XXXX chapter XXXX was filed but I was determined to keep my home and did not pursue the bankruptcy. 
XXXX credit bureaus XXXX and XXXX have reviewed the Bankruptcy cases and removed them from my credit. Equifax has not removed them from my credit. i have disputed 4 times with them.
This is a general complaint and observation. XXXX XXXX XXXX # XXXX has conducted very shady business for quite sometime. Whether loan app dates, loan apps, XXXX  decisions, closing, tolerance cures, many of their practices are not compliant.
Currently you have a lawsuit with Navient and XXXX XXXX and did n't know who to contact about my same issue with the company? I have taken loans from XXXX XXXX and they transferred them to Navient. I am currently in a forbearance program and racking up interest. I did n't know if we were part of the law suit or what direction should I take to get some relief? Thanks
I hired a lawyer to represent me in a divorce case. I pre-paid a significant amount of & gt ; $ XXXX dollars. The lawyer did not perform and was significantly unprepared for my case, missing discovery items, etc.. Extremely poor performance. 

They lawyer / firm is now charging me for hours that I do not believe are accurate, and I do not believe that the lawyer/firm performed at all. 

They are putting an amount of {$5900.00} into collection ( they are the collector ) and it is on my credit report from the XXXX major agencies, and they are trying to harm me with. 

I have outstanding credit, except for this, and it is hurting my score by approximately XXXX points in the negative. 

I did not establish a credit line, or agree to the charges in good faith with this lawyer/law firm and sent them a letter of my dis-satisfaction even requesting a refund of monies paid. 

The fees they are claiming are excessive, and the amount XXXX pre-paid should have been more than sufficient. 

My lawyer 's performance was so bad, that opposing council was awarded fees from me, and those fees in total were only {$6000.00} dollars. The opposing councils efforts who totally destroyed my lawyer, and the opposing council was/is a top dollar and rated lawyer as a comparison. This opposing lawyer fees are less than what my unprepared and newbie less expensive lawyer and firm are trying to charge. Something is definitely not correct. 

This is a strong arm tactic trom the lawyer/law firm that damages an otherwise excellent credit history from me. I do not think that they are a creditor, and they always wanted their money upfront and had a credit card from me on file.