WillisBack/dataset-financial-user-claim huggingface dataset:
I applied for and received a Care Credit charge card app 4 years ago. It allows up to 2 years promotional balance with no interest fee if paid off by end date. It is ( was ) specific to medically related charges only. I did get a renewal card again app 2 years ago and renewing was no issue The process to renew this card was simply sign the back of the new card and call the 800 number to activate. 
Several months ago I received a notice with a new card that told me to sign the back and activate as usual. I did so, thinking it was time for renewal again. There was the usual multi-page document enclosed which I BRIEFLY looked at and put aside. It said Care Credit on it so I followed their instructions. 
When I was about to throw out the paperwork, I noticed something unusual. It was a notice on the very back that said once you signed up for this, you could not change anything. As i panicked and read further, I saw that it was now a XXXX XXXX Care Credit card and no longer offered the promotional balance as with the original Care Credit Card. 
I immediately called the customer service number and was told since it had just been a matter of minutes, they would switch me back as I was such a valued customer. 
This never happened. They told me they would re-open the original type card with a new account number which would take about a week. After two weeks I called to report I hadnt received my card and they said they were unable to reverse the error. I now was stuck with a XXXX I did not ask for or want with a revolving account. A totally different kind of card than the original Care Credit. 
Both cards are identical other than the small double orange circle in the lower left. I never even noticed the symbol as I was used to the general appearance of my original Care Credit cards which is almost identical to this one And the bills also look identical. It doesnt even noticeably say XXXX anywhere on it. 
I believe this is so deceptive of both companies. I dont even understand how they can combine like that. The address for the bill is the same. Theres no particular caveat when you open the envelope ; its still the same look as with the original card.. I tried cancelling it but I have the promotional balanced still to pay. And they will not let me open another Care Credit that IS NOT a revolving card. 
These cards are 2 completely different animals providing a totally different type of service. It seems just another a bait and switch scam, Thank you for your attention.
I am the seller of the address listed XXXX XXXX XXXX XXXX XXXX XXXX, Florida. The buyer was obtaining an FHA loan through Bay to Bay Lending XXXX Florida XXXX XXXX XXXX # XXXX Fed XXXX # XXXX. On XXXX XXXX, 2015 the title company closed this property HUD 1 was approved and full loan package was signed by the buyer XXXX XXXX XXXX. On XXXX/XXXX/15 XXXX XXXX advised that the Mortgage broker had made a mistake they would not fund the transaction. I was then advised that they made a mistake and another appraisal was necessary ( at my expense ) After incurring Attorney 's fees and numerous expenses the transaction was finally funded XXXX/XXXX/15. HELP! this is wrong
According to my recent credit report request from Transunion.com there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. 




VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED USBK COURT XXXX CALIFORNIA Docket # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Date Filed : XX/XX/XXXX Date Paid : XX/XX/XXXX Date Updated : XX/XX/XXXX Type : CHAPTER XXXX BANKRUPTCY DISCHARGED Responsibility : Individual Debt Court Type : Federal District Plaintiff Attorney : PRO SE Estimated month and year that this item will be removed : XX/XX/XXXX USBK COURT XXXX CALIFORNIA Docket # XXXX THIS ACCOUNT DOES NOT BELONG TO ME AND SOMEBODY ELSE I HAVE NEVER FILED FOR BANKRUPTCY PLEASE REMOVE IT OFF MY CREDIT REPORT XXXX COUNTY # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME AND SOMEBODY ELSE PLEASE REMOVE IT OFF MY CREDIT REPORT
XX/XX/XXXX ( last year ) my mother passed away and I went to Ohio to help with her funeral and ended up paying many expenses we thought were covered by her insurance. Due to using my savings to help with funeral expenses I was unable to make my next mortgage payment. I made mortgage payments the following two months, but was still 1 month behind. At the beginning of XX/XX/XXXX I was laid off from my job. Knowing I could n't catch up the month I was behind and that I would n't be able to make any more payments until I went back to work, I called US Bank Home Mortgage to see if there were any options for assistance. I was told by the agent " Off the Record ''  that I needed to be at least 3 payments behind before they could do anything to help me catch up. I asked if that means I should just not make payments for at leas three months so I could get help. The agent said he ca n't advise me to skip payments, but " yes. '' So in XXXX I again called US Bank and applied for mortgage assistance. It was determined that I was not eligible for assistance at that time. I immediately attempted to pay 3 months ' mortgage payments to catch me up to being only 1 month behind, but the check was returned to me uncashed stating that I owed 4 months mortgage payments and they would n't accept 3 months payments because it was n't the full amount owed. I was advised " off the record '' to make sure I have no money in my bank accounts and try applying again for assistance. That would make it more likely I would get help catching up payments. So I used my savings to pay other bills XXXX while my credit bottomed out due to mortgage ). With no money in my account, I applied again. I was again denied, and told they were starting the foreclosure process unless I could come up with the total amount that I am behind..which is n't possible.
EVERBANK is showing that I was consistently 30 days late on payment for my home for months in a row.this has never been the case. Even after the home was SOLD they are yet reporting late payment
Hello, I have been inexplicably been locked out of my XXXX account ( Coinbase.com ), as of XXXX XXXX 2017. 

When I try to log in, it says " Sorry, account temporarily disabled. Please contact support ''. 

I have around XXXX GBP stored in the service across two " cryptocurrencies '', but also in hard cash ( GBP ). I need access to these funds urgently. 

I have not been using my account fraudulently or in anyway that contradicts their 'Ts & Cs ', I am a XXXX resident [ XXXX citizen ], whilst they are a US company so I  have been advised to contact you. 

I have been unable to get hold of their customer services team and it has been 48 hours, I am currently travelling ( in XXXX ) and need access to my funds. 

My customer service 'Case ' ticket number is # XXXX Please advise, Thank you and kind regards,
1. Unauthorized inquiries on my credit report on Equifax, XXXX, and XXXX. I can only provide images of Equifax, and XXXX  inquiries.
2. Remove any address on file other than XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 3. Remove any other social security numbers that is associated with my credit file other than XXXX 4. Remove XXXX XXXX XXXX XXXX off of my credit report for jobs. Remove any salaries and please update all correct information.
5. Remove any other names other than XXXX XXXX Please update 6. Correct all of the errors
XX/XX/XXXX Wells Fargo bought my mortgage loan and almost immediately theywould hold my envelops until the payments were late. I was informed that sinceI was late that they would have to put me on a balloon payment. The increasein payments got to the point that I was on the phone all the time trying to workwith them. I was told at one point that if I did n't come up with the money thatthey would put me in the street. Sometime in XX/XX/XXXX a bad storm came throughthe area and lightning hit the home and burned it to the ground. My insurancepaid the amount of the mortgage, but Wells Fargo did n't want the check forXXXX. We were told that they needed a letter from out insurance companyexplaining why we wanted to pay off the mortgage.
I was notified and sueing XXXX because of data breach have a security freez for free and Experian refuses to I filed complaints to CFPB over or about XXXX times now Experian has blocked me from disputing information on my credit account, Because of the XXXX   data breach I see on XXXX information hard inquiorys I didnt aplly for so called the companeys on the list and they have not ever heard of me and dont have me on file ever apllying so contact Experian and they refuse to do anything then I found out that someone was working under my information in XXXX Washington I live in Texas. 
Then I wrote a letter to them XXXX times about the problem they blocked me from writing then I had a piad account but they blocked me from that then after they blocked me from online account they still charged me for servicesw till my bank XXXX XXXX blocked experian from all accounts so no one can use there cards for them. 
then I called they blocked me form calling but by law they have to send me a letter showing the reason they blocked me and they have not I know this for a fact because they dont even have my right address so could not even send me anything so they told at one time that they dont dispute hard inquiries I had to contact they companies directly but they cant do anything because they dont even have me on file so they dont have nothing to dispute on file so they cant help, then I contacted experian they said cant help me even with a police report they dont care. 
Then when I call they say I am blocked, online I am blocked then write a letter they reurn it in there self addressed envelope and return it to me with a letter saying I am blocked from writing, I did CFPB complaints on them then they tell me to call them when I call they say I am blocked from calling to right them so I write them they return it saying I am blocked from writing then I go on line to dispute the isue and I am blocked from my account saying I have to write they keep saying this on response to my CFPB complaint then when I respond they restart by telling you to call in there response all over again. 
Then I have a friend they worked for them they said on complaints through CFPB are all automated responses and a real person never responds to the complaint ever, and on the account they show I have XXXX new hard inquiries as of XX/XX/2018 and score dropped and then I look and there is no new hard inquiries since XX/XX/2018 so they enter peoples account change records for score with nothing changing on the account fraud Identity theft and XXXX   and XXXX and Experian are showing inquiorys that I didnt do all being done because of the XXXX data breach all three tell me they cont care and cant help me.
Several request have been submitted to this agency and the credit agencies to validate and provide proof, nothing has been received nor any proof or validation of ownership.
I 've applied for a JP Morgan card with a banker in a branch, then again via telephone and now am submitting a formal complaint via the CFPB - XXXX has not processed my application and claims that there is no record of my previous applications.
Client is a non-borrowing spouse on a reverse mortgage. The XXXX spouse died on XXXX XXXX, XXXX. Upon husband 's death Financial Freedom contacted non-borrowing spouse and advised that in order for her to remain in the home, non-borrowing was to provide a tolling agreement and several other documents XXXX death certificate and marriage license XXXX to Financial Freedom. XXXX XXXX spouse sent the tolling agreement to Financial Freedom by XXXX, tracking number XXXX. This tracking number shows that the documents were received by Financial Freedom on XXXX XXXX, XXXX at XXXX. Moreover, on XXXX XXXX, XXXX non Borrowing emailed the required documents to XXXX XXXX at XXXXXXXXXXXX. On XXXX XXXX, XXXX XXXX XXXX confirmed that he had received the documents by sending a text message to Non-Borrowing Spouse. Non-Borrowing Spouse has since heard nothing from Financial Freedom or XXXX XXXX. On XXXX XXXX, XXXX we called Financial Freedom and were told that none of the documents submitted by XXXX XXXX Spouse have been received and that it XXXX take " a while '' for the documents to be uploaded to their system. Financial Freedom sees to disregard the time element of due and payable due to the death of the borrowing spouse and ignores the fact that the non-borrowing spouse has XXXX says to submit her documents to Financial Freedom as required by HUD. Financial Freedom 's delay is causing harm to the Non Borrowing Spouse and is prejudicial to her ability to remain in her homestead.
After contacting transunion regarding an inaccurate address they refused to remove from my credit report. They are reporting a address that I DO NOT RESIDE at. I have asked that they remove this inaccurate outdated information from my credit report as I do not authorize them to report any address but the address I have submitted on my drivers license.
While I was XXXX due to Military Service, my vehicle was financed through US. Bank. But a Company call XXXX was handling the payments but they went out of business in XX/XX/XXXX while I was unable to communicate Stateside. I was not notified of this matter until I got home XX/XX/XXXX. I have sent numerous emails asking how I should resolve this situation and got no reply from US. Bank. Since I got home I called US. Bank and they are telling me that I have to pay the entire car loan off, and they are threatening to repossess my vehicle.
I've received notices from companies XXXX XXXX and XXXX that there were some items on my credit report impacting decisions made towards my credit worthiness. Given that I just purchased a second home ( XX/XX/2018 ) and my current score is XXXX as of XX/XX/XXXX based on the information that XXXX XXXX ( XXXX XXXX XXXX ). On the document it says the following : Several delinquent accounts High Balances ( two home loans ) I don't have any delinquent accounts and if I did, I wouldn't be able to purchase another home. I've reached out to Equifax before about this issue and was given the run around. This agency never provide responses that are useful or makes changes. The information that they provided is never accurate.
I paid off a loan in 2 years vs. 5, my credit score went down XXXX points. I have never missed a payment. Only had one late payment in 2014 ( less than 30 days ). These Credit companies are misusing the credit reporting system. When you look at what a XXXX is made from, it states nothing about paying off loans to quickly, hurting your score. I guess companies loose money on the interest, if they are paid too quickly, so they feel spiteful? I am also annoyed with the amount of promotional inquires on my credit report. They are all unauthorized.
The company calls 4-5 times a day and leaves messages on my personal phone and work phone. When I call back, they do n't answer and have me on hold.
The credit reporting agencies are incorrectly reporting my current account status as 60-120 days past due. I paid the accounts and have a zero balance. I want the credit agencies to report the current status correctly as " Paid as Agreed ''.
My loans are serviced through XXXX XXXX. I have been in the IBR/IDR program for years and have kept my account current. AES contacted me as they do every year and stated I had to renew my IBR program. I sent in the form and paystubs over a month ago. I feel that they are intentionally delaying my right to reduce my payments under this law of this program. I have sent my paperwork in several times and they keep denying it due to additional documentation needed. I've sent my paystubs 3 times in the last six weeks to get this resolved. I've sent in several emails including this one today to AES which states the following : I have been trying to get my IBR/IDR case processed through you company for over a month. The last letter I received says you denied it because you don't have all the documentation. I have sent over my paystubs which displays I can not afford a $ XXXX  monthly payment and I have a XXXX dependent in my household. I take care of me and my daughter. I am a single mom. I feel like you are intentionally delaying this process and therefore, I am going to put in a complaint with the government regarding your company. You are not allowing me to exercise my right to reduce my student loan payments due to income. Once again today, I have sent over my IDR form and my paystubs. There is no other documentation to provide you. I am not married. I have been in this program for years and it is very ironic that you are delaying my right to reduce my payments all of sudden. I would like a supervisor to contact me to get this resolved or I will be moving my loans over to another company.
I opened a Capital One account in XXXX XXXX that had a {$300.00} credit limit. Due to recent layoffs at my former employer, I was unable to keep up with the monthly payments. However, in or around XXXX XXXX, I paid the account in full. Over the past year or so I have struggled to get in contact with Capital One regarding this account. It should have been removed almost a year ago but being that I initiated a dispute, it is not showing as being reported on XXXX/XXXX/XXXX which is extremely inaccurate. All I want is for this account to be removed from all XXXX credit reports like it should have been a year ago. It is affecting my credit in a negative manner and hindering me from getting other credit. It 's being reported inaccurately due to the updated reported date.
I spoke to a representative that informed me on how to have my account put into deferment status. She walked me through the steps and told me that it was completed. Months later I received an email stating that my account was pass due, I then called into to the company again and spoke with another representative that reviewed all of the notes and informed me that all of the late payments would be removed due to their mistake but its still on my credit report.
I am a veteran of the XXXX. Job moved out of country. House went into foreclosure. NJ Hardest Hit Program approved me for their NJ Homesavers program. Caliber Home Loans refuses to recast the loan even though the VA states that they are able to do it.

My sheriff sale is XX/XX/2018, NJHMFA and the VA are working hard to push this through and they have run into a brick wall with Caliber Home Loans says no to recast of Mortgage.

I will have to go Chapter XXXX  Bankruptcy if things fail to keep me house which is unfair because NJ Hardest Hit Fund has XXXX they want to put on my mortgage with Caliber Home Loans and save my credit and save my house.
On XX/XX/18 I opened a Bank of America checking account with referral-promotion code XXXX. This promotion code entitled me to {$150.00} bonus after meeting certain requirements such as two direct deposits of {$500.00} or more each within 90 days of account opening. 

I can confirm I met these requirements, however I was paid only {$100.00} on XX/XX/2018. for the promotion. After talking to Bank of America, their customer service representatives are clueless and continue to escalate the situation by opening up " tickets '' to supervisors which I never hear back from. Wasted time, efforts, and resources for the promotion that was not given as promised. 

I have attached the promotion page and promotion code given to me through a referral that stipulates all the requirements. Bank of America should and WILL honor the promotion for the {$150.00} as promised.
XXXX XXXX XXXX was paid {$160.00} for an outstanding bill. XXXX XXXX XXXX is still reporting to my credit file as a collection.
I did n't modification with my mortgage company to save my home and they told me I had to miss three months worth of payments in order to qualify so I did that I we did the contract they lowered my payments they charge me {$36000.00} to do so I think it includes you know the late fees and interest fees but then I found out two weeks ago when I went to refinance because my interest rates going up again this year it 's going to go up 1 % every year until does it backed up to where it was to start with but anyway I found out two weeks ago that they actually added 13 years onto my 30 year mortgage so I 'm going to be worse off than I was when I asked for help I thought this was a government program that was supposed to help homeowners like me that were in a bad place I lost my job had to take a lower paying job and I just could n't make the payments I kept hearing about the government having a modification programs to help people out and I do n't think they help me out I 'm going to be in worse shape
Trans-Union Credit bureau discloses in my credit as the following ( Debt included in bankruptcy ) I have already sent them a letter from the XXXX XXXX XXXX  to Trans-Union stating that the debt was voluntarily paid in full and not included in the bankruptcy ( which is not allowed in CA ) I am attaching a letter again from the XXXX XXXX XXXX, this time dated XX/XX/2018 stating that the debt was paid in full and if they want to investigate for for any questions, they can contact the Dept 's Default Resolution group to confirm the information.
I have sent letters requesting these " debts '' to be verified and they have not responded then today I do a compare between my reports and the same " debt '' is showing up with two different company names and one will show Open and is a Charge Off then the same account with a different name will show Open Refinanced or Renewed this shows on all four which I have attached screenshots of. I have NEVER spoken with this company to " Refinance '' anything seeing how my ONLY correspondence was sending them letters asking for Validation from Central Financial Control I have even less idea who Syndicated Offices are. How can two differently named companies be on my report for the same " un-validated debt ''
I was called and I told them how I recieve no income and they said to me I had option to pay to take away debt after me telling them I was a XXXX vet and on my credit report it shows how the account is closed however I have an email from 2018 where it js from XXXX XXXX asking me to pay off the debt and they will not take it off of my credit without ever showing me proof from anywhere that i owe it. On my credit report XXXX. States thats an attorney has been assigned to this account and it is closed but yet I have recieved a call and after a couple disputes with them knowing they can not sue me they added more verbage such as seriously and very bad assigned to attorney after I made two attempts for then to please take it off of my credit