WillisBack/dataset-financial-user-claim huggingface dataset:
Several issues here : Issue # 1 : I submitted payments latest one being XX/XX/2019 in the amount of {$1500.00} to Discover via the android app. My payment was taken from my bank and applied to the card but the card did not reflect the payment. I called discover to inquire about this and they said they had to " call the bank for verification the funds were sent '', I have an outstanding payment history with Discover and have NEVER missed a single payment. I use my credit cards to avoid Fraud potential issues on my bank card. When they lock my card down for 8 days ( to call the bank ) it creates hardships as I am scared to use my bank card at gas pumps. I have never heard of a company having to call the bank to get fund transfer verification. This has happened twice now both consecutively. They refuse to unlock the paid amount with the first tech and I always have to ask for a supervisor. I have NEVER seen any credit card company do this. This happened previously in XXXX, after 4 days I had to contact Discover to find out why my card was still locked, I was NOT waiting that long this time. If the money cleared my bank the funds should be available. 

Issue # 2 : When I originally opened this card with Discover it was secured due to poor credit history from my ex-wife. I was told my card would graduate in 7 months if I had a great payment history which I do. on the 7th month I called in to see if it graduated, I was told the initial graduation was 8 months. I called in XX/XX/XXXX which was the 8th month, they told me it was 7 months and did not graduate. I have made every single payment, sometimes 2-3 a month on the card, it has been 10 months and I am still on a secured card. I see many complaints online in regards to them not releasing deposits back to people but still qualifying them for a {$5000.00} un-secured card. When I inquired about paying off my account and closing it I was told it would be 70 days until my deposit would be refunded. If I have the account paid in full, deactivated where no more charges can hit it and I met my contract obligation my deposit should be released immediately ( yes I know it could take a couple of weeks to write a check and mail it ) but they are refusing. I feel like this is fraudulent actions on Discovers part as I was not notified of these things during the initial setup of my account.

I asked for a corporate number to Discover and was denied such rights. The customer retention department was very short and did NOTHING to calm the situation except offer to cancel my account as they said they were sorry to see me go ...
A representative from Prosperity Home Mortgage contacted me about pre-qualifying for a home loan. During the conversation he indicated he obtained my information from XXXX XXXX XXXX in XXXX, VA. I did not authorize the sharing of any of my information.
I XXXX makes a claim with the Consumer Financial Protection Bureau ( CFPB ) that the following attached attempt to collect a debt is highly fraudulent. My personal information is being floated in what is known in the debt collection business as a " Debt Pool '', whereas collection information is outdated and not even enforceable. The attached collection from XXXX does not state that the debt is no longer enforceable, a stipulation by the Federal Trade Commission. The method of an illegal posting of a collection on my personal credit report, or an illegal collection against my rights of the Fair Debt Collection Practices Act can not be tolerated. In Federal Trade Commission v. XXXX ( 2009 ) the federal district court decided in favor of the Federal Trade Commission that a collection agency must operate within strict guidelines in the collection of a debt. The criteria are as follows : 1 ) The debt must still be enforceable within the state of procurement or where the original obligator resides, or a combination of both. 
2 ) The debt collector must be licensed and bonded if applicable within the state in which it is trying to collect, if the debt is collectable. 
3 ) The validation of debt ownership must be proved, without exception. 
There is no statement on the attached collection that the debt is no longer enforceable. The collection agency stipulates that Bank of America obtained a judgment against me. By legal mandate, the docket number of the judgment must be listed as well as what county clerk 's office the judgment is filed with. In this case, there is no judgment. The statement saying " This judgment may be forwarded to an attorney for execution '' is a complete falsehood. There can not be a lawsuit as the legal time limit to enforce a summary judgment action has passed. 
Even though the collection letter states that illegal, abusive, deceptive and unfair debt collections are illegal, this collection in its entirety is just that, a deceptive illegal attempt to collect a debt that is no longer enforceable. 
I demand that all my information be purged immediately by XXXX and Bank of America, and that the Consumer Financial Protection Bureau ( CFPB ) take the necessary steps to sanction both companies for using such abusive collection tactics.
I called the XXXX XXXX XXXX, managed by the National Consumer Telecom & Utility Exchange ( run by XXXX ) to place a security freeze on my XXXX XXXX XXXX data report. They said that they could not locate my personal information. I am very worried that some crook could use my XXXX XXXX XXXX data report to open credit in my name, without my authorization, because of the horrendous, enormous XXXX   security breach earlier this year.
XXXX XXXX XXXXr XXXX keeps adding balances and subtracting balances from my accounts because the amounts being reported are incorrect. I have requested written documentation verifying my signature on loan documents to no avail. This is adversely affecting my credit score. XXXX has REMOVED the information from my accounts because of Great Lakes inability to provide proper documenatation, however, the accounts are still showing inaccurate on XXXX and XXXX.
I have 7 times written letters to this company that my health insurance paid this bill. This home health care was awful while treating us, and even worse with billing.
XX/XX/2014 a title loan was taken out in my name, but it wasnt me. They have filed criminal charges against me. I just found out last week. I called XXXX and all the information I. Their system is wrong about me. They wont release my account information to me.
On X/XX/2017, I 'd downloaded my credit report. I called on X/XX/2017 to get a rssolution, no results. I explained that it was a computer glitch that was TrabsUniob problem, not an error of myself caused my inquries to be deleted. Once the glitch was realized, TransUnion added them back on my report. I did not receive proper written notification 5 days prior to it appearing. I 've contacted TransUnion in good faith to ask them to delete the hard inquiries that they had illegally re-added. These hard inquiries add a hardship and my rights were violated by TransUnion. I am asking CFPB to help me make TransUnion to stop victimizing me. Also, I am asking a resolution that all my TransUnion inquiries be deleted permanently from my report as a violation took place when they were illegally added.
Missed a payment on care credit card, they have emailed, texted, and call at least 3x a day, and leave at least one voice mail a day. This is harassment.
I'm writting to dispute an unauthorized charge for the amount of {$1000.00} was apparently charged to my Chase credit card account ending XXXX as of XX/XX/2018. I am requesting that the error is corrected, that any finance of the amount to be credited to my account, as consumer will not be held responsible for any mistake by the institution or merchants. I have contacted to the original merchant XXXX in regard of this unauthorized charges, and have come to an agreement to have the unauthorized charge to be resolved. Please provide the bill of sale, authorization of charges within 5 business days period. Unable to comply with request determined the unauthorized charges to be void. 
*Under Fair Credit Billing Act ( FCBA ) it is mandatory to comply with disputed request of 161.Correction of billing errors, 165.Treatment of credit balance, 166.Notification of credit card issuer by seller of return of goods, etc., by obligor ; credit for account of obligor. 
170.Assertion by cardholder against card issuer of claims and defenses arising out of credit card transaction ; prerequisites ; limitation on amount of claims or defenses.
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  (  XXXX  )  XXXX   XXXX  XXXX  XXXX  SS #  XXXX  Re :  XXXX   XXXX   XXXX  Equifa x To Whom It May C oncern : I am requesting that a dispute be initiated for a   XXXX    XXXX    XXXX    XXXX   XXXX  account. Account list account is closed I continue to dispute the validity of this account I request that the account be deleted from my credit report. Can you also verify and forward me a description of the verification method and method for verification? Can you notify me of the outcome of this correspondence?   Thank you Sincerely,
My loans are being serviced by Great Lakes and they are the worst servicer I have dealt with, They are not offering any financial hardship assistance to me whatsoever and I do not want to continue to work with this agency. I spoke with XXXX in the wage garnishment department who was rude, misinformed, avoiding to answer questions, refused to give her last name, refused to get a manager on the phone when requested and not helpful at all. I then had to hangup on her because she offered no assistance and called back and spoke with a lady who claimed she was a supervisor who the other representative claimed their were none available and I spoke to XXXX XXXX, who was not very helpful either and spoke down to me and my representative and would not offer me an affordable payment arrangement after I had given her my income information. I told her that I could not afford that and she insisted on that amount to be paid in order to stop my garnishment. I offered to pay an amount that was more affordable and was turned down to do that. This lady works off commission and gets paid if she get money from me and I just want to resolve my loans with reasonable payments so that I can feed my XXXX children and still pay my rent. This is deplorable and I want this agency to be removed from servicing my loans and allow me to consolidate since that is the only reasonable solution for me at this point.
I disputed this debt with Resurgent Capital / XXXX XXXX twice and in XXXX and XXXX they provided me a " verification of debt '' after asking for a validation of debt. I do not recall " XXXX XXXX '' debt and therefore I asked they provide a documentation showing where this came from and linking me to the debt. All they have been able to do is send me an " internal '' statement and no evidence or burden of proof this debt and amount owed is mine. When I called them today to just say I will pay it to go away they advised me they can not delete it. Why would I pay XXXX for a debt especially when it is scheduled to be removed next year. In addition, if I pay it then the account will update with the bureaus then causing my score to drop. I feel as though I am between a rock an hard place. So, when I spoke with XXXX today and once again asked they provide validation she stated I will need to put it in writing once more. When I asked her what validation they will provide she stated it would be what they provided in the past. How is it that LEGALLY they can fo this??? This is an injustice and is a kink in my consumer rights. Please look into this for me?
Our small payday lending business has been banking w/XXXX XXXX XXXX XXXX since they came to XXXX Kentucky market in 2015. They recently closed our checking, money market savings & affiliated Credit Card accounts providing no rationale except because they can. 

It appears this bank discontinuance action may be a residual of the " XXXX XXXX XXXX '' era of banking practices. 

Please review the attached detailed explanation letter I recently wrote to the FDIC, the Federal Reserve, and your interim Director as well as my state & Federal Legislators.
The company reposessed my vehicle, XXXX XXXX XXXX XXXX, the day I joined the XXXX XXXX, XX/XX/XXXX. I was unable to respond to the repo. I now have a charge off on my credit report and a balance of $ XXXX. I fall under SCRA laws and entitlements.
Debt created by XXXX XXXX XXXX enclosed document will explan every thing on how debt was started. I will up load all party in vovled firsrt Transunion credit credit reporting agency 2. XXXX XXXX XXXX 3. the reporting other is to XXXX XXXX XXXX open XXXX XXXX,2017 Original Creditor. XXXX XXXX At XXXX debt amount XXXX I Dispute this debt and need it remove now. p.s. this is a complaint on all party listed.
XXXX   XXXX  with  OFG LLC,   XXXX , contacted my mother asking her to have me call. I called inquiring what this was about and advised I was at work, so this needed to be quick or I could callback later.  XXXX   XXXX  stated I took out a loan with  XXXX   XXXX  and I needed to either pay in full or make payment arraignments. I explained I filed for bankruptcy, he stated this debt was not included. I again explained I was at work and told him he has my address, he can mail me the information he has because to date I have received no calls or mail about this debt. I also asked for no phone calls at all and only contac t via USPS. Thi s is when he stated in a threatening tone, he has a job to do and will just do his job. I would like to receive documentation and proof of the debt, this seemed to anger  XXXX   XXXX . I also will not be bullied until a payment arraignment without verifying a debt and can not understand why this is an issue for  XXXX   XXXX   XXXX  and  OFG LLC.
Chase has stolen my identity and is continually running credit check EVEN THOUGH I HAVE NOT APPLIED TO THEM OR THEIR AFFILIATES FOR CREDIT. THESE INQUIRES ARE ILLEGAL ACCORDING TO THE FCRA ACT AND I WANT THEM REMOVED IMMEDIATELY. They APPEAR to be doing this to hurt my credit and by continually doing it they are trying to force me to put fraud alerts on my credit report when they are the ones committing the fraud. The FIRST TIME, though suspicion of an inside job I filed the credit report and as soon as the 90 days was up the started again and keep doing it. THE RUNS ARE NOT ACCURATE REPORTING BECAUSE I DIDN & # XXXX ; T AUTHORIZED THEM! I want this to stop and I want it to stop IMMEDIATELY as they were just fined for this very violation. As part of your & quot ; investigation & quot ; please also request the ip address of the supposed application. From the application you can see that no application would submit lacking this much information AND they are using my address which would defeat the purpose of someone trying to get a credit card sent to them. I am being violated and my credit run illegally. MAKE THEM STOP PLEASE! I could NOT submit this information through the " upload '' even though the file was small enough and the person assisting me on the phone said that " any company can run your credit report for business purposes '. and I KNOW THAT THIS IS A LIE. The credit report could be run as part of a backgroud check for a job or as was indicated by the denial letters IF I AM TRYING TO OPEN OR APPLY FOR AN ACCOUNT! I DID NONE OF THAT and per the FCRA these inquiries are ILLEGAL and for the XXXX to say otherwise needs to be reported. In addition, I 've found that CHASE has a habit of doing this and just had a class action as a result. It is as if as soon as they closed the class action they started again the illegal pulls using Amazon as a source!
My wife and I are building a home in XXXX XXXX XXXX and we went to BB & T for a construction loan. We disclosed to the loan officer in XXXX of 2015 all of the conditions of our construction plans. We also disclosed that we had started construction and were going to build with {$200000.00}. of our cash of the {$360000.00}. estimated total cost. We disclosed that we owned the land outright. Our loan officer, XXXX XXXX, indicated that BB & T would be happy to make the loan after our initial submittal of tax returns, financial statements, retirement account statements, etc. 

Then the endless delays began in the processing of our application. We have been askedthree separate times to update information between XXXX and XXXX. Every time we have updated information for the bank, we experience one to three week delays then receive new requests. 

We explicitly requested that BB & T not move ahead with the appraisal unless they were confident that they could make the loan to us. When they ordered the appraisal and we paid for it, we took this as an indication that our loan was approved. We have never been told that we did not qualify for the loan yet we have never received anything in writing to confirm the loan approval. 

The closest we came to an approval was a request by BB & T to set a closing date on XXXX XXXX 2015. Mysteriously, the closing date was cancelled. No new closing date has been scheduled. 

Each time BB & T requires new information, and we provide, weeks pass with new requests coming. We received an email today, XXXX XXXX requesting information provided to the bank last week. 

Each time we lose our patience, and ask if we have been rejected, they say no, thay are eager to make this work. But there is no end in site. 

We have now spent our planned cash expenditure and are in need of the loan to continue the construction which is 62 % complete.
Ive filled a complaint with this company before. The account doesnt belong to me. They previously presented a payment history that Im unaware of. They also have reported inaccurate information with has ruined my credit profile. Ive attached the reporting documents. The account open dates are all different and they have continued to leave this unknown account ; OPEN on my credit profile.Ive contacted the company and theyre unable to provide documentation to prove my identity.PLEASE REMOVE THIS ACCOUNT!!!
{$1500.00} - Original Creditor : XXXX XXXX, Currently Held By : XXXX XXXX XXXX XXXX, Opened ON:XXXX - Joint Account. The lease was not supposed to be under my name, I was staying with a friend for a month and had to fill out paperwork stating that I would be there for a month. When I contacted the company I was informed that the most that could be done was take it off my credit if I paid half the debt.
I have called this company many times and have told them that the information reported on my credit report is not accurate and does not belong to me. Yet they have taken no action and continue to report the inaccurate information on my report. They threaten to increase reported amount of I do t pay them. Unnecessary threats are being utilized as a tactic for them to receive payment for something that is not mine.
We have payed over {$80000.00}. on our rental property this year. The mortgage balance is now {$3000.00}. We sent in our payment of {$1500.00} on XXXX XXXX. 2015. Check # XXXX. The amount of the payment due is {$500.00}. The payment represented our payment plus extra payment on the principal. Ocwen mortgage put in the wrong account. Our acct. # is XXXX. We have called numerous times but they refuse to give us credit even though we sent proof from the bank that the money was deposited into acct. # XXXX instead of our acct. Now they notified us the house is being placed in foreclosure with all the extra fees plus late charges. We have sent them certified letter explain what they did but they are ignoring us and saying they did n't receive the XXXX payment. We are senior citizens and need help to stop these crooks. We have never been late and we are paying this house off 25 years early. We understand that this a common practice with this company. Please help us or send us in he right direction for assistance.
Best Buy issuer, Citi, has not processed my request to obtain a copy of the Card Members Agreement to formally dispute an Adverse Action taken against my Open Credit Line. The bank has misled me with their processes which have led to the not fulfillment of the CMA. Attached is evidence of the above mentioned.
Not sure what to call this company in the complaint. I do like the company but I am in a stand still. I have opened the checking account with them since I already took the loan and have the investment account with them. I have never received my card in the mail because I can not reach them after submitting the information they asked for to make the change. I submitted my new drivers license picture as asked on the for to change address. I have also been asking them to change my phone number to the new number that I have without changing the number I am unable to do anything as in transfer money or anything because it always says they sent a verification text to my old number. I have tried calling 10 times never once got anyone on the phone I did the emails many of times got no response I did talk to someone on the live chat while promised it would be changed by end of day that was a week ago. I did not want to complain but the money struggle is real now and I could sure use some of the money I have in that account before I start to miss bills. I was also saving this money to do my son 's Christmas shopping which now I may be using bill money because he isn't going to suffer because a company doesn't want to allow me access to money that is mine.
This is completely inaccurate and not mine. They have even said this but yet they still report it.
In accordance to the National Ocwen Settlement agreement, Ocwen is to provide borrower a copies of any assignments of mortgage or deed of trust required to demonstrate the right to foreclosure. Ocwen has once again commenced foreclosure on our home without providing us the requested copies of assignments of mortgage or deed of trust. According to the National Ocwen Settlement agreement, Ocwen shall send borrowers a statement setting forth facts supporting Servicer 's or holder 's right to foreclose and containing the information required in paragraphs XXXX ( items available upon borrower request ), XXXX ( account statement XXXX, XXXX and XXXX ( ownership statement ), and XXXX ( loss mitigation statement ) herein. Servicer shall send this statement to the borrower in XXXX or more communications no later than 14 days prior to referral to foreclosure attorney or foreclosure trustee. Ocwen has posted our home for foreclosure without providing the requested documents before posting our home for foreclosure.
i have disputed to experian twice they have an address of XXXX XXXX in XXXXXXXX XXXX i never lived at and will not take off also a XXXXXXXX XXXX and XXXX XXXX that is not mine are not mine
XXXX   XXXX   XXXX   XXXX   /CBNA is s everely affecting my credit worthiness by having a inaccurate late payment on my credit report on  XXXX   2016 . I have contacted them severely time to only be treated rude and disrespectful. This is unfair to treat a consumer this way. My payment was submitted on time. However,  XXXX  process the payment late and inaccurately put it on my credit report.
On or about XXXX/XXXX/2015 at, XXXX,XXXX,XXXX,XXXX and XXXX I received phone calls from the number XXXX. No vocie messages were left on my phone for a call back. On XXXX/XXXX/2015 I received XXXX phone calls XXXX at XXXX, and XXXX. The phone calls again were from XXXX. On XXXX/XXXX/2015 I decided to call the number back in which the phone operator identified themselves as Allianceone Inc. The phone operator had told me that it was regarding a XXXX Credit Card. I then responded to the operator about receiving debt verification before I was going to disclose any personal information. On XXXX XXXX 2015 I sent allianceone Inc an email requested debt verification, followed with another email dated XXXX XXXX 2015 with no response. On XXXX/XXXX/2015 I sent a demand for debt verification to listed fax number at XXXX. As of XXXX XXXX 2015 I have not received any type of debt verification or communication from this debt company regarding this alleged debt.