WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/2017, I applied in-store at XXXX XXXX XXXX in XXXX, NC for an XXXX Credit Card served by XXXX XXXX. Due to a fraud alert on my XXXX report that was on my account at that time due to the XXXX  breach, the account was not approved. Later it was approved for {$250.00}. It is important to note that I have two other store accounts with XXXX XXXX   XXXX XXXX XXXX XXXX 

I later received a letter from XXXX  saying they tried to contact me using info on my credit report I have no contact info on my report. I call XXXX, and in XXXX had them remove the fraud alert from my report and applied for a credit limit increase. I received another letter from XXXX  stating the same as above we tried to contact you at the info on your report. 

I then tried applying again in XXXX same thing. I call XXXX and they informed me that XXXX is wrong. There is no fraud alert on my report, and thus no phone number. I call XXXX, and they STILL insist that there is, and I can not get to an actual person that can help only 1st and 2nd line respondents, and XXXX   has no corporate complaint facility. 

All I want is for XXXX  to process my credit limit increase WITHOUT trying to contact me based on info in my report ( XXXX informed me that NO ONE has a number on their report unless there is a fraud alert ). If XXXX has their own " fraud alert '' on my account, then they need to remove it. It would be obvious everything is on the up and up if they would simply look at the other accounts I have with them. This is a situation that is checkers, but XXXX  is going out of their way to make it chess including quoting their " policy '' as a " law '' which is just amazingly naive.
I was sent a promotion to open a Citi Gold account @ Citi bank. This was a unique promotion code, and not a generic one, probably based on the fact I had a credit card with them. 

My part of the offer was to open an account, spend {$1000.00} within two months, and pay some bills with it. 

i went to the citi branch in XXXX NY, and account was opened in the end of XXXX 2016 ( from some reason, they opened a saving account in addition, although I did n't request that ), and when I called sometime in XXXX ( after 2 months ), they said it did n't kick in just yet. 

Upon following up again, they said I did not fulfill the agreement, and I was supposed to pay bills with their online bill payment system, not with the brand new gold debit card they gave me. 
I have yet to find what they are basing this on, and I was clearly not aware of this, nor the branch where I opened it ever instructed me to do so. 

Multiple disputes were denied, although, most reps I spoke with, said I deserved those points. 
With every denial, I got a letter, saying if I want to reach out to them, I should call customer service, which is total useless, as they ca n't do anything. Sometimes they were rude, sometime nice, but always clueless, and powerless to do anything, resulting a loop, where I can never present my case. 

Giving up on their " justice '', I closed the account, and now I am waiting to receive my check for the remaining balance. This check did not arrive yet, but I heard stories ( on their facebook page ) that those check are a hassle as well. 

In my final attempt, I reached out to their social media team at XXXX, and there were very understanding, followed up in a professional manner, and tried their best to help me, along with open another dispute. 
They identified with my situation, and were very understandable. 
In our conversation a compromise was brought up, that I will pay two future months bill payment via the online service in order to complete the requirements ( as seen by the promotional team ). 
Apparently, this was not possible as well, so I was left with no option but to close the account and reach out to Consumer Finance. 

I appreciate your time, please feel free to contact me with any more info needed. 
Thanks
I have had automatic payments taken from my bank account in the same amount for approximately 2 years. Recently Bank of America changed my minimum monthly payment to more than what was being taken from my checking account. I was unaware of this change which resulted in penalties and fees and a bad credit report because my minimum payment was increased above what was being deducted from my checking account. When I called to resolve this problem I was on the phone for at least 30 minutes and was then told the only way I could change my payment amount was online. When I went online to change my payment amount I was denied access because my credit card account had been closed by Bank of America.
My mortgage is currently serviced by Bayview ( BV ). XXXX XXXX, which is the single point of contact assigned to our account. My loan is backed by XXXX   XXXX ( XXXX ) and is currently delinquent. On many occasions, I have sought loss mitigation efforts with BV and contacted XXXX XXXX regarding the same. BV, has refused to process my loan modification and issue unclear underwriting determinations. Per E-3.4-01, Suspending Foreclosure Proceedings for Workout Negotiations ( XX/XX/2016 ), When a delinquent mortgage loan is referred to a law firm, the servicer must continue to work with the borrower to bring the mortgage loan current or finalize a workout arrangement up to the date of the foreclosure sale, unless the servicer has determined that all workout options are not feasible, to make a reasonable effort to modify the loan. Since the loan is insured by the XXXX, this regulation applies, as well as the liability reporting valid information to HUD / FA. It is clear that violations of the False Claims Act ( FCA ), 31 USC 3729 - 3733,  since they knowingly withheld information and reported false records to a Federal Government Agency. 

BV, has also advised that they refuse to offer a standard foreclosure mediation, which is a requirement per Indiana law. This is a clear violation of Indiana Code 32-30-10.5. Per the IN statute, clear notification must be sent to the home owner, giving the option for standard foreclosure mediation. BV, has set a foreclosure sale date for XXXX, during the period where mediation and loss mitigation should be occurring. 

BV, is in clear violation of False Claims Act, RESPA law and IN Code 32-10.5. BV, has imposed a foreclosure sale date on XXXX. Overall, I feel deceived by BV, on a number of counts and I am seeking your assistance on this matter. 

While trying to acquire information on these workout programs BV, agent XXXX XXXX violated the FDCPA, failing to properly verify 3rd party or state the mini Miranda prior to disclosing personal account information on his call on XXXX. The mini-Miranda is merely one element of the substantial, complex regulatory requirements set forth by the FDCPA. For collection agencies, ensuring the appropriate use of the mini-Miranda and other communications is a critical component of regulatory compliance, and for consumers, its a valuable protection against unfair and deceptive debt collection practices. The FDCPA requires that a collector make meaningful disclosure of their identity when calling a debtor ( 15 USC 1692d ( 6 ) ) and that whenever communicating with a debtor, must disclose that the call is coming from a debt collector ( 15 USC 1692e ( 11 ) ). Therefore, on its face, this appears to be a violation of these two sections of the FDCPA. After all, they called, they spoke to the debtor, and they failed to identify who they are or that they were a debt collector. A collector can not pick and choose which sections of the FDCPA are better to violate. They can not violate any section. 

You can reach me via email at XXXX.
I recently checked my XXXX credit report and I notice that there are 8 unauthorized inquiries listed on my report. The only one that I am aware of and take responsibility in authorizing would be the XXXX inquiry made on XX/XX/2017 for a personal loan that I currently have with them. The other seven especially the inquiry from XXXX XXXX XXXX XXXX, I did not authorize. With XXXX XXXX XXXX XXXX they could not run my credit with my understanding due to me not having any identification to identify myself. I had forgotten my driver 's license and was refused service when I made them aware of having no ID on hand. XXXX customer service representative had no right to submit my application if it was not complete. XXXX XXXX, XXXX XXXX, and Informative Research are companies that I have never heard of nor would allow them to have access to my personal information such as my social security number to pull any information about me. I did not sign anything from the list of companies I just mentioned.
received call from number XXXX. Hung before I could answer called back. XXXX XXXX XXXX- have and numerous communication with them of the past few years attempting to collect for past phone number owner ( XXXX XXXX XXXX ). Called back this time and was notified numerous times that this was recored, all information collect was to collect a debt ... ... 
Got operator and provide operator with my home number XXXX ... asked who she was speaking to and advised her I was not supplying that information. She ( her company should know who they are attempting to contact I have had other debt companies similarly and response with the XXXX name, and when I reply that that is not me ( I have had this number over 10 years now ) they will take me off the list. operator still insist on me providing my name. I ask to speak to a supervisor. After 5 minutes she returns advises me that a supervisor is not available. I again request that then this number need to be removed from this list since she can't validate who they are attempting to contact ( or won't ) she refuses. I say that any future calls will result in a complaint being field she say that's fine we'll just call again. I responded with are you serious that you just said you would just keep calllling and she hung up.
Was interested in refinancing my vehicle ( XX/XX/2013 CXXXX XXXX XXXX  w/XXXX miles ) since my current APR was 8.24 %. Called " XXXX '' because they popped up in my XXXX   feeds for loans for vehicles, so I figured with my XXXX credit score I can get a better APR.

After they pulled my credit and sending me documentation to print and sign, I decided to take a minute to read the documents, my remaining balance was around 7,700.. the loan that they were trying to have me sign was for around {$10000.00}.

They had roughly about {$3000.00} in hidden fees and charges that they absolutely never mentioned once about, and I almost signed for it.

My complaint is I shouldn't have my credit score have a negative effect from this majorly misinformation. And, to inform others about companies like this.
I have XXXX XXXX XXXX Credit account that is close due to all being " PAID IN FULL '' I ask that they be removed IMMEDIATELY from my report.
I had been receiving alerts via XXXX regarding " short term '' loan inquiries. As directed by XXXX I had requested my consumer reports via XXXX and XXXX. Nothing unusual on my XXXX report. My XXXX report was a different story. I have XXXX inquiries made through Clarity Services via multiple PayDay Loan Lenders including, XXXX XXXX running under the name of XXXX / XXXX / XXXX ( TWICE ), XXXX / XXXX, XXXX, XXXX, XXXX. Then there is XXXX company not listed at this time and that is XXXX in which they send me a email requesting more information for a loan I had not applied for. I called them and told them they had better not issue any loans in my name for any reason. What I had discovered during my conversation with XXXX was that the applications are coming over with an old address and phone number. I have attached a copy of the XXXX report. I believe that Clarity Services is negligent in their practices by not requiring that the companies requesting credit checks provide appropriate documentation ( i.e. Identification ) prior to releasing information.
In  XX/XX/XXXX I was made aware that I became a victim of identity theft when someone unknown to date used my information and attempted to file a tax return. I followed all steps and even filed my affidavit with the IRS in   XX/XX/XXXX   In   XX/XX/XXXX   when pulling my credit report I discovered that Portfolio Recovery   XXXX  b ought an account and started reporting it to my credit report I have disputed this account over and over and not being knowledgeable of all the credit laws I did not know that this company had to provide me debt validation upon my request over and over I disputed this as a fraudulent account the only reason I did n't have a police report is because I had no information to provide as to who was n't using my information .I filed many disputes with the credit bureaus that the debt is not valid and not mine and each time Portfolio Recovery has sent back as " verified  '' .Upon  reviewing all FCRA laws I sent the company a letter of validation XX/XX/XXXX  requesting proof of the debt because I know this is not my debt. I hold  one    XXXX   XXXX   account that I opened in XX/XX/XXXX  that is the only   XXXX   Or account I have ever had. I sent a certifed letter to the address the company has on my file requesting validation and today XX/XX/XXXX  they did not sign for it and it returned back to me as undelivered due to address they have again have reported to the credit bureaus that the debt is valid effective XX/XX/XXXX  what documents are they using to validate this debt this debt does not meet FRCA guidelines because they never ever sent me any validation ever. Proof of the account address information nothing showing that I am liable for a debt or in any contract with  Portfolio Recovery   XXXX   for a debt. I am a victim of identity theft and I want this account removed it is not mine. Please see the attached documents in regards to my claim/dispute
Through XXXX XXXX I have an XXXX, Walmart,  XXXX XXXX and XXXX XXXX store card. Around XX/XX/XXXX I noticed that I saw a " payment past due '' on the XXXX XXXX card account. I was baffled since I had set up all my credit accounts with recurring payments and minimum due. I paid the XXXX XXXX account to include the late payment which I should not have done. I went to each of my accounts on XX/XX/XXXX to ensure that all of them were enrolled in recurring payments AGAIN. Today XX/XX/XXXX I see that Walmart Store Card account was AGAIN talking about " payment past due '' and they had tacked on a late payment fee which I told them I refused to pay. They claim that they were doing me a favor by removing the late payment fee but that I had to pay the full amount due by XX/XX/XXXX to keep from getting a 2nd late payment fee. I asked them what was the amount due on XX/XX/XXXX and that was all I was going to pay them, minus the late payment fee. I believe somehow Synchrony did something behind the scene to remove the recurring payment enrollment on these cards so they could generate a late payment fee.
I deposit a check that was sent to me by a company, the bank cash it and three days later rejected and said I committed fraud. I would like to take this off because it looks like I committed fraud which i did n't it was with Bank of America
I sent money through western union and an hour later I received a call from western union asking me that they want to interview me and ask me few questions. And if i don't comply they will cancel my account and I won't be able to send or receive money through western union. The western union compliance department 's number that wanted to interview me is : XXXX. Another issue that might be related is that when I called the consumer financial protection bureau at XXXX, someone in XXXX answered???? What is going on? The CFPB has been hacked too.
This complaint shall serve as a formal notice of my intent to pursue litigation, due to your disregard for the law.
TRANSUNION claims to have somehow verified several items I have previously disputed. Therefore I legally requested a description of the procedure used to verify the items. My last correspondence was dated XXXX XXXX, 2017 where I requested for the second time, the method of verification used to verify the items/accounts that I disputed. As of XXXX XXXX 2017, TRANSUNION has not responded or complied with this request and have thus not performed your duty according to the law.
Federal law requires you to respond within 15 days ; it has been nearly 60 days. Failure to comply with these federal regulations by credit reporting agencies is investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you in regards to this matter ; for the purpose of pursuing litigation if needed, if TRANSUNION continues to disregard and violate the law. For the record the following items are being erroneously reported on my credit file.
1. XXXX XXXX XXXX XXXX, reported balance {$2500.00}, truncated account number XXXX 2. XXXX, reported balance {$2200.00}, truncated account # XXXX 3. XXXX, reported balance {$1500.00}, truncated account # XXXX 4. XXXX, truncated account # s XXXX provided on credit report twice, Balance {$0.00} TRANSUNION claims to have verified these items but they refuse and have failed to provide the method of HOW these items were verified by providing the following information for each of the items. What certified documents were reviewed to conclude your investigation? Please provide a complete copy of all of the information that was transmitted to the data furnisher as a part of the investigation as required by the Fair Credit Reporting Act : Who did you speak with? What was the date? How long was the conversation? What was their position? What number did you call? What is the name of your employee that spoke with the creditor? What is the position of your employee that spoke with the creditor? Also, in accordance with the FCRA in addition to the above requested method of verification information, TRANSUNION needs to obtain and provide the original copy of the loan application from each creditor listed, that I am disputing in this correspondence, that is signed by me ( XXXX XXXX ) If you do not either verify all the reported items/accounts completely, lawfully and legally according to the FCRA or remove these items/accounts within 15 days of receipt of this correspondence, I will be seeking my lawful and legal remedies through litigation. As stated before, I am keeping records of my communications with you. Thank you for your prompt attention in regards to this very important matter.
The above text in a letter form was sent to Transunion on XXXX XXXX 2017 via certified mail and received on XX/XX/XXXX per USPS tracking. It is attached to this complaint.
Almost impossible to reach anyone on phone. HAVE NEVER RECEIVED MONTHLY STATEMENTS BY MAIL. No one seems to be able to get our zip code right. Have not received our tax form. Somehow threatening letters, however, get here. Can not ascertain payments due to sloppy customer service.
On XX/XX/XXXX I submitted to Equifax a request for an investigation of an improperly reported lateness on their report Confirmation # XXXX for account XXXX from XXXX XXXX XXXX who is my mortgage servicer. 

As I stated on my letter to Equifax, an incorrect 90 days late for XX/XX/XXXX was being reported. 

At that time I was under Chapter XXXX Bankruptcy protection and legally under reorganization ; Case # XXXX United States Bankruptcy Court XXXX XXXX of California XXXX XXXX filed on XX/XX/XXXX. Because of it no credit reporting was proper or required. The bankruptcy case was successfully completed and discharged XX/XX/XXXX. 

On XX/XX/XXXX when the alleged lateness occurred that being was reported I was in fact under an active bankruptcy chapter XXXX plan. 

Equifax not only did not care to investigate the facts after my written request but Equifax now arbitrarily and very damagingly reports on their new report Confirmation # XXXX a brand new bankruptcy case filed on XX/XX/XXXX. Never mind the Case # is the same of the XXXX case. It also reports a wrong court address. Finally it reports my mortgage under Wage Earner Plan when in fact it is not but it is current and being paid as agreed. 

All these new reportings are negligent and irresponsible and as such very damaging to my credit and reputation that I have fought diligently to repair since the economic downturn of XXXX ; witness the successful completion of the Chapter XXXX reorganization and an excellent paying record, to have now the credit reporting agency so carelessly and abusively dismiss.
I contacted Quicken Loans for a home mortgage loan and was quoted an interest rate of 2.99 % with no fees charged by the lender. Even though I could n't tell the Estimated Closing Costs contained a XXXX % origination or points charge, I signed the form anyway. I have complained to Quicken Loans that I was not informed of paying points. I have asked them to produce the recordings of my conversation with their loan officer where he fully explained that I was paying points. They have not provided such confirmation. I must pay it to close but want them investigated for predatory practices. If they do this to me, I 'm sure they do this to numerous individuals. Thank you
Today X/XX/2017 at approximately XXXX XXXX I was called by what I was told was the " Bureau of collections of Maryland '' attempting to collect a debt from XXXX XXXX. They notified me that the call was being recorded. They stated that I owed around XXXX to XXXX XXXX and wanted to " update '' my information and get this amount taken care of. At this time I stated that I do not not have the funds available and since I am working right now I requested that they call me back later on in the day. She then asked " why did you answer the phone then if your at work? '' At this point I stated " because I have been being called and harassed regularly by this phone number for the past few days, and the calls ONLY come during my work hours '' at this time I stated again " can you please call me back later today I am at work '' she said " I 'll give you my information so you know exactly who your talking to and what amounts we are talking about '' I said " okay. '' Out of nowhere another RUDE and demanding voice comes on the phone demanding to know why I even answered my phone if I was at work, and I explained AGAIN that I was being harassed by this number. She told me they had called me yesterday X/XX/2017 and that I had answered and said " who is this '' and when I found out it was them I hung up. THIS WAS A LIE!!!! I have never spoken to this company prior to today, and if I had, why would I answer at work KNOWING it was them? Paying ANY debt to this company now concerns me because if they are willing to lie about something so trivial why would I trust them with money/ bank information and any debt resolution? She then stated that " I have no more time on this matter and if I do n't pay half right now they will just report it to the credit bureau. '' I again told her " No I will not being doing that today. '' Her reply was " Fine well just report this to your credit '' and then hung up on me. All I wanted was to not be harassed at work and instead got this rude phone call from a debt collection agency that refused to work with me, demanded money I do n't have, and offered no help in resolving this matter. I refuse to be harassed at work! I will be doing more research on the Fair Debt Collection Practices Act. No one deserves to receive harassing phone calls like this, especially not people who are trying their best to make ends meet for their family and fall short on a bill or two here and there.
I ordered a copy of my credit report and notice that incorrect information is being reported on my credit report. I contact the credit bureau and they refused to remove invalid addresses as I am afraid of identity theft. They informed me that I needed to submit a copy of a piece of mail along with identification and social security card and was told to fax the information but the fax number that I was given was not working. So I tried calling back to get my information updated and was told to send in the requested information so they did not fix the situation.