WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX 2016, I decided to take advantage of A {$200.00} Huntington Bank promotion for opening up a checking account and depositing {$1000.00} within 60 days. After I successfully competed the application process, part of which was verifying my identity using my Drivers license ID number. The Huntington website then took me through an additional identification process by asking me questions regarding my past. I answered all 4 questions successfully. However, this still did not satisfy the process and I was asked to go into a Huntington Branch with my ID. 
On XXXX XXXX I walked into the Huntington Branch at XXXX Mi. XXXX. The teller completed my identification request and updated my application. It was approved and my account opened at which time i immediately deposited {$1000.00}. 
As of XXXX XXXX, 2016 I have not received my {$200.00}. I have contacted Huntington numerous times and they refuse to honor the promotion. They imply that when the teller updated my information it altered the original application to an on sight application. The promotion only honors " online '' applications. That is not my fault and is then a Huntington error. My original application was online. Huntington Bank directed me to go to a branch to complete without any indication doing so would alter the original application. 
For Huntington to refuse to honor the promotion is insane As for my family military status : there is no code displayed that correctly identifies my Brother : XXXX XXXX, he was special forces and all other information about him is classified.
XXXX XXXX is reporting a negative account/several accounts which do not belong to me. I have been disputing this for a year. I have sent the creditor debt validation letters which no response has been received. I have been disputing the error with Equifax and apparently, all they are receiving back from XXXX XXXX are account summaries. There is no contract, no copy of my driver 's license, nothing that relates or belongs to me and according to the FCRA an account summary/bill is not sufficient of validating a debt and Equifax is in complete violation of the law by reporting erroneous information. To add insult to injury I spoke with an Equifax Supervisor today By the Name of XXXX, ID # XXXX, out of the Nevada office at XXXX XXXX  and he was very rude to me, he even put me on hold in the middle of me speaking to him without asking me if I mind holding and told me that my complaint was not worthy of going to the executive affairs team, after I requested to speak with someone one over his department because he kept saying All I can do is, which was not helping me. The dispute in question is confirmation number XXXX
I have disputed this Bankruptcy Dismissal with Equifax many times. I have never file or attempt to file bankruptcy. I believe Equifax has reported someone else information on my credit file. Please assist me in getting this matter resolved. I am tired of informing them of this issue and they have not done anything.
I made consistent payments to Navient for a year, then they raised the payment. After asking to continue at the affordable payments, they refused. I could n't understand why they would n't want consistent lower payments but sent my accounts to a collection law firm. Now I am getting calls from them every 10 minutes.
I had an auto title loan with XXXX XXXX  that was opened in XX/XX/2013 with a 28 month repayment term that was paid in full in XX/XX/XXXX of same year. During the term of loan they claim I paid 30 days late according to their reporting 3 times but they also have reporting payment status details as 2 or 3 times late which is not true actually and even more so proves that they are not reporting 100 % accurate according to the FCRA. I have reached out to XXXX and XXXX XXXX to get this account deleted or corrected due to inaccurate reporting but have only gotten them to say the Account is verified.
On XXXX, XXXX a XXXX XXXX account was opened in my name and it was not me. In opening this account their was a debt for over {$3000.00} that is on my credit and went into collection and it was not me thayvwent a started service with XXXX to have owed them any money. The account was open XXXX, XXXX and closed on XXXX. It was open for less then 1 year and it was not myself that had opened the account to begin with
I have sent in several certified letters for validation of debt due to erroneous mistakes. The balance is incorrect, name, etc. It has yet to be sent to me.
Company sent letter notifying me of debt. I disputed the debt through written notification provided in the 30 day allowance showing proof of debt awarded to spouse in divorce. Company refuses to remove the negative information from my credit report
I recently received a collection account on my TransUnion credit report that I had on idea about for {$810.00} from XXXX XXXX with original creditor being XXXX. I immediately contacted XXXX XXXX about the account and was met with rude comments and profanity about the account. Prior to this appearing on my credit account I have never received any type of correspondence via mail, email, or phone about this debt. They listed the account as opened on XXXX XXXX, XXXX but when I contacted them they informed me that the debt was from XXXX. I informed them that I didn't recognize the account and they told me that they wouldn't verify the debt and that it was my responsibility to file a police report on the debt? I have since contacted XXXX and they also have no record of the account under my name in XXXX, OH. XXXX XXXX   refuse to remove the account from my bureau with false information.
Approximately 3 years ago I had a report put on my credit report that is not mine does not belong to me. The report was placed by a company called XXXX XXXX it was for an amount of {$910.00} they claimed it was a credit card that I did not pay. I never ever had a XXXX XXXX credit card ever. I proceeded to contact them and ask why they claim this belonged to me they said because it does. I asked numerous times for them to send me real proof or why they claimed it belonged to me. To this day they never have sent me any thing not one thing. This is because they can not they have nothing that proves this card ever belonged to me. They reported this to all 3 credit bureaus I proceeded to dispute this with all 3 of them. I asked them to give me proof or the proof they had that showed this to belong to me. After several investigations by XXXX they determined this did not belonged to me and they removed it. It took almost 2 years of filing and re-filing complaints to XXXX they finally did a proper investigation and removed it from my report. I filed all the same reports asking for proof from Experian they have not to date removed it. So this XXXX XXXX company turned this account over to a company called XXXX XXXX. I contacted them by phone and by letter many times. I asked them to send me proof this belonged to me I asked for it in writing to be mailed to me. To this day they have never sent me anything. While on the phone with them on more then 2 dozen times they yelled at me called me names lied to me even told me they were going to send me proof ( which they never did ) on several of the calls they even tried to say that they had all kinds of other debts on file that belonged to me which was all lies. This company has continued to lie they were unbelievably combative and abusive some of there people I spoke to cussed and swore and threatened me. I am at my witts end I have done everything by the book to get this off my report ( now Experian ) to no avail. This should be criminal! I would like to say I have always paid my bills on time ahead of time my entire life and am a very principled person this is why I continue to fight this injustice. Below is all I know about this account that remains on my Experian report. XXXX XXXX XXXX Experian - Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Factoring Company Account Status : Closed Monthly Payment : Date Opened : X/X/2014 Balance : {$910.00} Terms : 1 Month High Balance : Limit : Past Due : {$910.00} Payment Status : Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Comments : Account in disputereported by subscriber This XXXX XXXX company has been causing me untold stress and so much money all over something that is not mine does not belong to me! XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX FDl, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
US Collections West and its Associates are in violation of the following FDCRA sections : 1 : Willful neglect of FDCRA section 805 ( c ). On XXXX/XXXX/2016 at XXXX XXXX. The consumer requested in writing that US Collections West cease and desist telephonic communication regarding the disputed debt through the CFPB platform under complaint ID number XXXX. 

On XXXX/XXXX/2016 CFPB CSR confirmed delivery of written response/request to cease and desist was received by US Collections West. 

The week of XXXX/XXXX/2016, the consumer received more than XXXX phone call from US Collections West. 

US Collections West attempted to circumvent The FDCRA by utilizing an unlisted and unassociated phone number it owns to contact me. The calls were received from phone number XXXX XXXX XXXX XXXX. US Collections West publishes and prior to complaint ID XXXX communicated with me using their published phone number of XXXX. 

After receiving the cease and desist notification on XXXX/XXXX/2016, US Collections West willfully and unscrupulously continued to contact me using telephonic communication of an alternate number. Telephonic records in my possession illustrate the deceitful practice used to circumvent adherence to FDCRA.
I have been called literally XXXX times regarding a fee that XXXX charged my company when we cancelled our telephone services with them. This company is Diversified Adjustment Services located in XXXX, MN but when they call me they have their number appear to be a local number which is an XXXX area code which I am wondering is legal to change the appearance of your number like that. We had been contacted by XXXX about renewing our phone services but told them we were looking to change carriers. We were then told that since we have had services for 2 years already there would be no break up fee if we cancelled the new contract. We asked them again to be certain no fee would be incurred for breaking the contract as we were fine going month to month but again were insured there would be no fee. A few months after agreeing to a new contract verbally, no paperwork was signed this was all done via a phone call from XXXX, we changed our service to another XXXX. When we got our final bill there was a fee of {$300.00} for early termination which we contacted XXXX to say we did not owe. They originally said the call was being recorded so we asked them to pull the recording but only XXXX to 4 months later when we questioned the bill they stated they could not find the recording. Now we have explained this to XXXX, XXXX other collection agency and now Diversified Adjustment Services will not stop calling me. We recently sent them a formal letter to quit calling as the debt is disputed but they have not received it as of yet.
NCP financed a XXXX loan to a person of no association that used my savings account information with not authorizing loan with me. NCP debited my savings account for the loan unauthorized. I am getting no resolution of the problem. I have filed report with my sheriff department who is actively investigating the report. 
I am not the borrower or any association of the person who received the XXXX loan.
Because of an extended period of unemployment ( without unemployment benefits ), I requested a Loan Modification in regard to my first mortgage on my residence of fifteen years. I responded with a complete application and documents as requested by Specialized Loan Servicing ( " SLS '' ). Subsequently, extended periods of time took place in which I would not get a response from SLS. Over a year ago, I was informed that they were missing just a few documents including an authorization to release my Federal Tax Return Transcript, pay stubs for my wife 's XXXX income and confirmation of my consulting agreement with a XXXX XXXX XXXX in XXXX California. Despite the fact that I had submitted these documents in prior submissions, I repeated the task by fax, XXXX and USPS methods. Once again, extended periods of time passed without hearing from SLS. Finally, I received a communication from SLS indicating that they were unable to evaluate the dozen or so programs available for Loan Modification or relief for homeowners who fell behind in their mortgage obligations. Following this startling event, I began copying my correspondence with SLS to local, State and Federal Agencies to raise the concern that I was not being given consideration in a good-faith manner. In a effort to respond without further challenging their system, I have resubmitted a complete application for consideration in response to their request. I have been repeatedly told that while my home was in foreclosure, there was no sale date set which implied to me that they would await the submission of the new application to evaluate these potential programs before proceeding with any further action. Much to my surprise, ten days ago, I received a notification that my home was being auctioned off at XXXX on XXXX XXXX, 2015 which is ten days from this date. You can imagine how startled we were to being told that 15 years of memories are going to be stripped from us -- -family birthday parites, graduation celebrations, the passing of our beloved dog, XXXX , the highs and lows any family goes through. In a wink of an eye, we can be homeless at age XXXX, without anywhere to turn in spite of trying continuously being responsible citizens to seek a solution to a troubling situation. I have now reviewed SLS 's history on the internet and find others have had the similar fate!!!
I took out a loan with XXXX now known as One Main Financial. I fell behind back in XX/XX/XXXX and was offered a settlement amount in XX/XX/XXXX. The settlement offer stated if I paid {$3400.00} by XX/XX/XXXX that One Main Financial would report the account at a {$0.00} balance and settled. I have kept a copy of the cashiers check and letter. To date XX/XX/XXXX my credit report still does not reflect the change. I have disputed it numerous times and contacted One Main Financial directly numerous times only to be given the run around. I was recently denied credit because of this account. I do not know what to do at this point short of hiring a lawyer.
I submitted an application to Umpqua Bank for a mortgage XX/XX/XXXX, 2015 and was assigned a closing date of XXXX XXXX. XXXX XXXX was assigned as the mortgage banker. On the application I noticed that my home value was listed as {$320000.00}, where this figure came from I do not know. After the original good faith estimate was sent to me and prior to going forward and pre-paying for the appraisal, I asked XXXX XXXX if there were any issues that I should be concerned about and I was told no, everything was fine. Unbeknownst to me, the terms of the mortgage were based on a 60 % LTV which was exactly the {$190000.00} I needed to pay off my existing mortgage. This was never explained to me until after I was sent a new good faith estimate which required me to pay an additional {$1200.00} because the appraisal came back at {$310000.00}. When I questioned the appraisal, how XXXX of the comps used and my property were valued the same by the appraiser, yet the comp was assessed {$30000.00} less by XXXX XXXX, I received absolutely no reply from any representative at XXXX. ( I sent multiple emails to XXXX XXXX ). The appraiser also did not account for a storage shed that would have increased the value. In addition, although the closing date was originally set for the XXXX of XXXX, XXXX XXXX tried to arrange the closing the week of XXXX XXXX to which I was amenable, but when on XXXX I was not able to meet with the title company, I did not hear anything from XXXX XXXX until XXXX XXXX, after the closing date, despite calling and emailing him several times. Lastly, despite providing proof that my second half taxes had been paid by my existing mortgage holder ( record of funds coming out of my existing escrow account and being disbursed to XXXX XXXX ) I was required to pay an additional {$1300.00} to pay for the taxes. I was assured by XXXX XXXX that these funds would be held in escrow until the payment posted to XXXX XXXX website. That is not what happened! The funds were immediately paid to XXXX XXXX by XXXX XXXX XXXX. After realizing what happened I contacted XXXX XXXX regarding this and he told me that he would contact the title company to have my money returned to me. I have yet to hear from XXXX XXXX or the title company as to a resolution of this issue.
CRA/HIPAA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNTS APPEARED ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX
After being the authorized user on a credit card with First National Bank of Omaha, they transferred my account to XXXX. After transferring the account, they never updated any information on my credit report. I submitted a formal request to have the information updated, and they received the certified letter on XXXX/XXXX/2015. Since then, I have heard nothing. After calling their customer service center requesting a document that showed that the account was transferred, I was told there was nothing that their company could do as they no longer had information on the account, despite the representative being aware and having knowledge of the accounts being transferred to XXXX. It is intolerable that over 30 days later I have received no information or updates from them, and that their customer service representatives know of the transfer but their reporting and collections department have not done their due diligence in reporting correct information to the credit reporting agencies.
I have been trying to enroll in an income based repayment plan for 2 months. The first time I tried the loan company said they needed my tax information when typically in the past they electronically obtained it. This year, ironically I had to submit the document by mail, email or fax. I faxed the information and they wrote me telling me they could not enroll me in a program because they did not receive tax information. So I resubmitted an application to enroll in the plan and they said I was approved but told me I needed to fill out the, application again! My  XXXX  payment is due on   XXXX   XXXX   and it appears as if they are stalling me on purpose to ensure that I reach repayment status and end up in default. I can not afford to pay {$2000.00} in repayment. This is unfair to me as a borrower. I am depressed and going to see a psychiatrist because of this issue. This will ruin my life and I will certainly be in default by the end of the year if I can not enroll in this program.
My account has been overdrawn since XX/XX/XXXX. I have no used my card since due to the overdraft and even took off my recurring payment to my credit card company using their mobile. Bank of America still processed the payment although I took off the bill pay for it, and charged me an additional {$35.00} on top of all other fees. They did the same of my life insurance payment and they are still charging me overdraft fees. I have contacted them a number of times since XX/XX/XXXX, was on hold and being switched back and forth to multiple people for 2 hours straight. And still no one has helped me. I did took off the credit card payment and XXXX  still refuse to refund me my {$35.00} and I took of the life insurance payment and still the same. They are stealing money from me and expect me to pay back money for transactions I never even processed knowing I have XXXX balance in my account. They are robbing me and refuse to help./ I have complained to several supervisors who has done nothing to help me. They just transfer me back and forth. Please help I want to sue them if this continues to happen.
XXXX, TRANSUNION, XXXX ALSO XXXX XXXX ARE REPORTING FRAUDULENT INFORMATION IN MY PERSONAL NAME. THESE COMPANIES ARE IN SO MANY VIOLATIONS THE DOCUMENTS IVE ATTACHED PROVES IT
Hello, I have a {$62.00} account from  XXXX  for a final bill currently in collections with Stellar Recovery. I was about 1 month late for paying the bill to  XXXX  and  XXXX  apparently put my account in collections. I was not aware of this, but began making smaller payments to  XXXX  for 2 months in a row once I was able to. The day I found out about my collection via  XXXX   XXXX , I contacted the collection agency. I wanted to do a pay for delete, as I was never notified of my account going into collections. The collection agency said they give a grace period after sending out notification of collections before reporting, therefore, they do n't do pay for delete. However, I am very frustrated with this, because I NEVER received ANY notification either from the original company, or the collection agency that I had an account in collections. I was continuing to pay  XXXX  and was never notified about the account going into collections. I would like to pay the debt, but want it deleted, as I was n't every notified, despite making payments. I have contacted the collection agency twice about this, but they have stated they will not delete the collection in exchange for my payment.     Thank you for your time.
Hello CFPB, I am writing to you today regarding my Checking Acct # XXXX with bank of America.The purpose of this letter is to see if you would kindly to help me to remove the hard notice on my name, where is the reporting of my SSN to XXXX ( XXXX ) and XXXX. 
During the time period this account in 2011, I was in XXXX, XXXX and I had returned XXXX checks from my account at XXXX XXXX in XXXX, where I was a XXXX XXXX at XXXX XXXX. Unfortunately, my money was delayed from the US department of State resulted in suspected fraud activities over my Bank of America account. I was not purposely violating the Bank of America regulations. I became aware of the unpaid balance when I got a copy of a XXXX report in of unpaid balance. So, I acted right away and I paid the balance of {$74.00}. under Cashier 's check No XXXX. I am hoping you might review the circumstances under which this occurred and consider removing the negative hard line associated with my name, and give me the chance to restore my relation with Bank of America, especially, I just arrived as a XXXX and I am building my new career of XXXX in the US. 
Your kind consideration in this matter is greatly appreciated.
NCB has called repeatly to my work, which I have asked to stop. Calls are threatening for a debt I do not owe. Mutiple calls daily.NCB has even called my child 's cell phone.