WillisBack/dataset-financial-user-claim huggingface dataset:
I am having a problem with a car loan reported by XXXX XXXX. The account shows an erroneous 30-day late payment for XX/XX/XXXX. 
In XX/XX/XXXX, I disputed the 30-day late reported by XXXX XXXX to TransUnion. I reiterated the reporting was inaccurate ; my payments were never more than 30 days late, etc. The dispute results from Trans Union came back stating that the account had been updated to reflect no late payments and the 30-day late payment. 
Trans Union provided me with a copy of my corrected report showing the account was updated and now showed no late payments reported by XXXX XXXX. Since this was the only negative item reporting to my credit, I went on to try to apply for my loan once it was corrected. However, it seems that the late payments were reinserted without my knowledge, some time after it was initially corrected. My understanding is that the FCRA requires written notice of reinsertion of previously-deleted negative information within five days if a negative comment or history is reinserted after it has been removed. At no point was any such notice provided. 
I was never given any notice that the rectified erroneous late history would be re-reported, and wasnt even aware that was something that could be done at all! How can this company verify that my payments were never late, fix their reporting of it, and then turn around to report the exact same false information again? How did Trans Union allow previously-deleted information to be reinserted?
I would like to file a unfair business practice complaint against XXXX XXXX Ford, XXXX, XXXX, NY XXXX and Ford Motor Credit.They were so desperate to make a auto sale that they allowed my husband to sign a loan agreement, which included me on the loan. My husband never does any of our financial documents, as he is XXXX as to what he signs. I never stepped foot into that dealership, so therefore I never signed any loan document. I spoke to the owner and he was not helpful at all. I advised him that I wanted my name taken off the loan. I also informed Ford Motor Credit and they were of no help either. I would like to file a complaint against the dealership who allowed a person to sign a legal document in another persons name knowing that the other person was not there at the time.
M & T Bank has illegally locked us out of our home at XXXX XXXX XXXX XXXX, FL Please help me understand why M & T Bank is inspecting our property and changing the locks outside of the Loan Modification agreement made with XXXX XXXX XXXX. 

* We entered into a Trial Payment plan for XXXX XXXX, XXXX XXXX, and XXXX XXXX. 

1. ) The Defendants hereby certify that an AGREEMENT was executed in XX/XX/XXXX with XXXX XXXX XXXX XXXX, a debt collector on behalf of M & T BANK for a Trial Payment plan for the purposes of a loan modification. The Asset Manager assigned to this case is known as XXXX XXXX at ( XXXX ) XXXX And XXXX. 

2. ) The Defendants hereby certify that M & T Bank issued a WORK ORDER on Tuesday, XX/XX/XXXX which provided access to subject property at XXXX XXXX XXXX UNIT XXXX XXXX, FL XXXX on Friday the XXXX day of XX/XX/XXXX and keys to said property were conveyed. The POC for this WORK ORDER is XXXX and he can be reached at XXXX to confirm. 

* The trial payments were made as followed - XX/XX/XXXX Confirmation Number XXXX with XXXX XXXX XXXX, Agent name is XXXX - XX/XX/XXXX Confirmation Number XXXX with XXXX XXXX XXXX, Agent name is XXXX - XX/XX/XXXX Confirmation Number XXXX with XXXX XXXX XXXX, Agent name is XXXX * We were XXXX a Loan Modification package on XX/XX/XXXX. 

* The XXXX payment was made as agreed on XXXX XX/XX/XXXX via XXXX XXXX XXXX pay Confirmation # XXXX * We were granted an extension review on XXXX XX/XX/XXXX for Loan Modification Documents * The loan modification documents were XXXX back on XXXX XX/XX/XXXX Tracking No. XXXX XXXX XXXX * M & T Bank issued a property inspection charge on XX/XX/XXXX for XXXX. 

Why is there a property inspection charge on my account? 

This means that a vendor entered our property opposite of our Loan Modification? 

New carpet was installed XXXX XX/XX/XXXX. Fresh paint was applied XX/XX/2017 

I do not know what and/or any damages were made to the renovations we completed at this time? 

* M & T Bank has entered our property without notification. 

* M & T Bank has changed the locks to our property restricting access to our home. 

Will XXXX XXXX, the attorney for M & T Bank, explain what is going on? 
We have abided by the agreement and making payments on the Loan Modification as submitted. M & T Bank is restricting access to a property that we rightfully are paying a mortgage payment? M & T Bank is restricting our right to lease out the home and causing additional hardship, stress and suffering. 

I am waiting on a response. No one from Modification has responded to me on what is going on
My prepaid card has XXXX $ on it. I called number on the back and After following the prompts, entering the number and expiration date, I got a voice recorded message that the card and the funds on it are no longer valid. The card is a prepaid discover, and the expiration was XX/XX/2015. Is there any way I can redeem the $ $
Dear CFPB, This complaint is in regards to American Express not awarding a bonus offer on a credit card after meeting the T & C and minimum organic spending requirement. 

Several months ago, XXXX Membership Reward points were awarded by a representative and a chat log was indicative of this. This bonus offer was attached to an American Express Platinum card that I had downgraded after a poor experience at a XXXX XXXX in XXXX. The points were awarded and listed as 'available, ' leading me to believe all terms and conditions of the offer were fulfilled. 

Strangely, I was not given any indication or letter about the lack of bonus offer and believe I may have been misled by false advertising. I would like to request intervention. Thank you.
My Barclaycard Arrival+ account was shutdown without any warning or notice on XXXX XXXX, XXXX. 

I had XXXX points available on that card valued at {$2100.00} in travel credit. I sent Barclaycard a certified, return receipt letter that they received on XXXX XXXX, XXXX asking for an explanation as to why my accounts were shutdown and to have them reinstated. If that was not possible, I asked to be compensated for my loss of points. As of today, XXXX XXXX, XXXX I have not received a response. 

I feel that Barclaycard was deceptive in their advertising practices by allowing me to earn 2 % back in travel credit, and then closing my account without any notice, thus giving me no opportunity to redeem my points.
I am hereby writing to you with respect to the Citi Prestige card ( card number referenced above ) and the Annual Companion Ticket. 
I became a Citi Prestige card member on XXXX XXXX XXXX. Upon joining at this time, we received documentation from Citi Prestige indicating the applicability of the Travel Companion Ticket and its conditions ( refer attached ). 
XX/XX/XXXX, I was advised of some changes impacting the Citi Prestige card, one of which was to the Annual Companion Ticket. However, the documentation which I received from Citi Prestige ( refer attached ) indicated that the Annual Companion Ticket for travel to any worldwide destination and XXXX % savings on airfare must be booked within a year from your first cardmember anniversary date. 
When I read this, I was of the understanding as clearly stated in this communication that I would have until XXXX XXXX, XXXX to make my booking and be eligible to utilize the Annual Companion Ticket. 
In light of this on Sunday evening XXXX XXXX, I called Citi Prestige to understand the booking process for a trip I have planned for later this year with my wife. To my shock, the customer service representatives who spoke with me said that I was not eligible for the Annual Companion Ticket. What was also perplexing about this was that when I inquired as to why I was not eligible for the benefit, I was provided different reasons by multiple representatives, none of which made any sense including one representative who indicated to me that it was perhaps me who was n't comprehending the 'changes are coming to your Citi Prestige Card document even though this document clearly indicates the Annual Companion Ticket for travel to any worldwide destination and XXXX % savings on airfare must be booked within a year from your first cardmember anniversary date. 
In this respect, I will be filing a complaint with the Consumer Financial Protection Bureau and furthermore, I would like to highlight my disappointment in the customer service I have received with regards to this issue where I have been made to feel like I am the one in error. I am U.S. permanent resident who moved to the U.S. in XX/XX/XXXX. I have banked with Citibank since this time and also held a Citi Credit Card since XX/XX/XXXX and I have never been so disappointed in the Citi service, and ultimately their representation of their product. 
In summary, I hereby kindly request that Citi Prestige uphold my eligibility for the Annual Companion Ticket as is stated in their communication.
The amount is over 9000 and it is with wells Fargo. I do not and have not had a loan with them. I have had problems many times on this and trying to fix this I want it off my credit as it is not mine. It was in I think XX/XX/2017when added. Please fix it as it was not me and is stopping me from getting my credit fixed. I need it gone. Thank you. I have had problems in the past with Identity theft as well.
Credit reporting institutions issue inaccurate and incorrect auto loan listed as mortgage information to financial institutions. Auto loan from XXXX has not been updated since XX/XX/2016 even when I furnished proof of payment and/or settlement on balance of {$13000.00} to {$1500.00} which documents provided by XXXX are attached. This has adversely affected my credit that I had to return a leased car due to dealer failing to secure a financier in addition to not being able to obtain funding of any amount. My employment is in jeopardy since it is premised on me having reliable transport.
Equifax has indicated that my wife as well as my own personal and secure data has been compromised due to lacking security measures. Equifax failed to release this information in a timely manner and even let their employees sell stock before it became public knowledge.
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

XXXX XXXX XXXX - this account doesn't belong to me Action Requested : Please delete XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete. 

XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete
ERC collections (  XXXX  ) has been calling me multiple times a day for months. If I answer it goes to an automated system that tells me to press numbers for making a payment, removing my number from the list, or speaking to a representative. Not once does it state what the debt is or who they are trying to contact.     For a while, I would select the option to remove my number from the list, but they would continue to call. I few times I decided to speak to a representative. Each time they would tell me that they do n't see my name or phone number   in their system. They would tell me they do n't know why I 'm getting called and would say they ca n't remove me from the list because I 'm not on one.
The calls continued. I got so frustrated by them that I changed my phone number yesterday. Today, less than 24 hours later, ERC managed to call me on my brand new number.
This has to be illegal. I 'm at my   wits end and I need these calls to stop.
My employer received a so called summons on paper work that was not sealed in a private envelope to keep my personal information private from other employees, this was Thursday XXXX/XXXX/15, then my pay check dated XXXX/XXXX/15 was garnished, stating voluntary deduction on my stub, I was never advised of anything, never received any type of judgement or court order. the payday loan company was Check City.
I contacted all three credit bureaus through certified letters via the United States postal service over 30 days ago to have them investigate and remove this hard inquiry off of my credit reports. They have not responded this XXXX XXXX XXXX hit my credit report on XX/XX/18. I have not heard from the bureaus about my dispute request which violates the FCRA law, the credit bureaus has a responsibility to report accurate information and to respond to consumers in a timely manner.
On XXXX XXXX, XXXX, I submitted a bill payment using my American Express Bluebird account to my daughters ' XXXX. According to American Express Bluebird, the check was cleared on XXXX XXXX, XXXX. However, after speaking to the payee ( the XXXX ) in late XXXX, I was informed that she never received the check. She verified with her bank records and no deposit in that amount was ever made. We believe the payment check was stolen from her mailbox and deposited fraudulently. I subsequently contacted American Express to file a payment dispute on XXXX XXXX, XXXX, which was denied 24 hours later. I contacted American Express again to inquire why the claim was denied, and the customer service team could not provide a reason but told me that I would be receiving documentation regarding the dispute in the mail. More than ten business days elapsed with no documentation having been received in the mail. I subsequently contacted American Express Bluebird again, and they said they would send me the dispute documentation in the mail immediately. It is now XXXX XXXX, XXXX, and I still have not received any documentation regarding the investigation.
A COMPANY WAS ALLOWED TO WITH DRAW MONEY FORM MY ACCOUNT, WITHOUT MY PERMISSION.
Equifax, XXXX XXXX and XXXX are continuing to report inaccurate information. This collection with XXXX  should not appear on my credit file for I have sent proof and it still remains. I agreed with XXXX that I would pay for delete. Item is paid and was not removed. Sent in that proof to the credit bureaus. Per XXXX representatives, have advise credit bureaus to remove due to agreement for pay for deleted was completed, yet this still remains on my credit file damaging my credit scores.
The loan was with Great Lakes I paid they transferred to another agency now they transferred to malt her agency o ca n't get any info I get no bills and they keep taking taxesi called the XXXX collections they said another has it I have no info!
Suntrust, XXXX XXXX XXXX, XXXX, VA XXXX {$330.00} XXXX penalty for the following violations : Mistaken identity claim effective XXXX, mail fraud penalty of {>= $1,000,000} for XXXX XXXX XXXX, XXXX, VA XXXX, equipment leasing fraud with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and attempt to purchase homes with fraudulent documents with XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX of Dividend History ( XXXX adjustment ) and XXXX XXXX  reporting, {$220000.00} fee
The company is castlepayday loans. They pull {$350.00} every other week and when I called to complain about them taking the money out on Thursday when I do n't get paid until Fridays. They told me that the money they took out of the bank account 4 times was for the interest only and not the principal for {$1000.00}. Please let me know what I can do. The loan was processed on XXXX.
I just received a letter saying that i have a debt for {$590.00} from Pendrick Capital Partners, and I never remember having an account with them or owing any money to them. So i'd like them to give me more info so i can figure out what this debt is for. And I don't want to send them any money just in case if it is fraud account. Because this debt does not show on my XXXX XXXX or any previous account i've closed.
About 10 years ago, I had a XXXX credit card through Capitol One Bank. Due to their poor business practices, I closed the account. Last month, I received a statement on this account ( using my old name and including my ex-husband asa user ). This was a shock, since I had closed the account years ago and had not received anything from Capitol One since then. I was very upset and contacted Capitol One, demanding to know why they reactiva ed this closed account. The insisted that I never closed it, but I am sure that I did due to the circumstances at that time. Furthermore, if the account was active I would have received some correspondence from them during the last decade. After a few minutes of arguing with the customer service rep, I insisted that it be closed, again. Again, I received a letter saying the account was closed, yet this month I received another statement from Capitol One. This is outrageous, that they would reactivate this closed account and even after I called to close it again continue to send statement.
I put in a hardship withdrawal request with Wells Fargo to withdraw much needed funds, XX/XX/2017 to consolidate debt and pay past due rent owed to my landlord to avoid eviction, to try and refinance my vehicle, and fix my credit issues. The bank was supposed to send me the paperwork with 2 to 3 business days, it took 10 days to receive the paperwork, i filled out all of the paperwork and submitted the necessary documents and I was told it would take 5 to 7 business days to process and receive a check, i called after 2 weeks wondering why i had not received the funds only to find out that it was direct deposited to a closed account at my bank ( XXXX XXXX ) XXXX XXXX is now holding the funds for 15 days pending a good funds approval. with all of the long drawn out processes, my vehicle has now been reposessed with threat of sale at auction, and i am now being threatened with eviction, Neither Wells Fargo or XXXX XXXX will give me exact answers as to when i will receive my money It is now XX/XX/2017 and i still do not have my money.
I had only made  one or two purc hases on the credit card. Then a few weeks later I noticed the credit limit on it was all gone. And I had not made these purchases. I have proof because I do not have the receipts for them. You can check the camera where the card says I bought it. Or you can check with the cashiers.
Bankers Healthcare Group, Corporate Headquarters, XXXX XXXX XXXX XXXX XXXX, XXXX, Fl XXXX XXXX XXXX I have received several letters offering working capital loan up to {$250000.00}. The letters includes a user name and password to activate this loan. This leaves me vulnerable to someone else activating the loan and identity theft. 

I sent a letter XX/XX/XXXX to the above address requesting removal from their mailings. I have since received letters on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX with user name and password. 

Based from on-line comments concerning this company I am very concern about identity theft. 

I am retired and have no interest in a loan. I am tired of multiple loan letters especially with user name and password, with risk of identity theft. 

I am also irritated that my letter of XX/XX/XXXX was ignored.
Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : WELLS FARGO CARD SER Account Number : XXXX Date : XX/XX/2014 Amount : {$2200.00}
I am  XXXX . I suffer from   XXXX   XXXX  y. I was working while attending the school that I obtained a loan for. At a certain point my  XXXX  had pregressed to the point that I could no longer work, support myself and pay the loan. I applied and subsequently recieved relief under hardship. This creditor had been fully informed every step of the way. They have not only reported me with the  XXXX  credit reporting agencies as having missed payments, but have also reported the same on my  Mothers  credit reports. She co-signed the loans. She too recieved relief under Hardship. She too is  XXXX . Our only source of income is social security ( each ). I deny making late payments prior to my acute  XXXX  and before informing the creditor of my condition or that of my Mother. I believe the current conduct of this creditor is of a retaliatory nature for our inability to pay the loan. Please not the the loan was paid off under the hardship program. We owe them nothing. We also contend that these loans were re-aged so this creditor can continue to report negative credit to the  XXXX  major credit reporting agencies.
I had a loan that I defaulted on because of an unforseen circumstance in my finances. I never heard anything from the company. Then last week my Dad gets a call telling him they are going to turn me into the IRS and got him all worried. When I called them they threatened me. They said they were going to take my car, garnish my wages, have me arrested, and file with the IRS. One way or another they were getting there money. I was bullied into making Payment arrangements with them. They emailed some document to me but I could n't open it up without signing it first. Ithe was just telling me I was making payments to them for the next 24 months of what they said they would only take. I still up to this point had nothing in writing from them of the debt or amount owed. Then they started calling my work and even left a message on my bosses phone wanting to take my wages. I asked them not to contact me at work. They still called my work. I sent them in writing and called several times asking for themail to mail me paperwork. They said they did back in XXXX but last week they said they did n't have my address. I have checked and there is no Judgement filed against me to do with this debt. They belittled me by calling me names, telling me what I needed to do, and bullied me with threats. I made my boss and HR department aware of everything. I called the bank that holds the note on my car and even told everyone that gets a call from them about me to block their number. It has become way to much to deal with. My XXXX has peaked and now my health is taking a toll already because they wo n't stop with the threats and it has only been. A little over a week. The company is United Check Recovery Bureau , Inc. I never get the same person on the phone and they keep bouncing me back and forth with the person they claim holds my account. They are mean and very rude.
I would like the words " Account in Dispute '' removed from all accounts on my credit reports from the XXXX credit bureaus where it 's listed. I am not disputing any accounts listed on my credit reports as of this writing.