WillisBack/dataset-financial-user-claim huggingface dataset:
The Honorable to CPFB : I write filling out of extremely dual complants of unfit XXXX resident report to XXXX. XXXX & Speaker XXXX XXXX address along with Chase Bank addresses XXXX XXXX XXXX and XXXX XXXX in XXXX of horrible dishonored address of XXXX XXXX XXXX as they rejected me of a reward {$300.00} in recorded notice as I felt discomforted with Chase Bank. I complained with XXXX assigned me XXXX was past customer so a past customer signed up Chase account as I received a message from Chase Online Identification Code XXXX Enter online at prompt or in password filed at logon. Tell XXXX changes my mobile number at immediate action as local XXXX staff ca n't trust me as they refused to change different number due of unfitted XXXX resident notification to XXXX. Senators at formal requests. I felt dishonored by Chase Bank which they turned me down Bank application through online as went to local XXXX Bank that most male staffs acted in rudeness as do not interest in my ugliest appearance why I walked in Chase Bank in last month of XXXX 2015 as they made me in dishonored message so I left Chase Bank looks more unfriend society. I can not alone in Chase Bank telling XXXX Male Attorney, as they laughed at me in looking isolation as they may not like me to be around and in Chase Bank situation in XXXXXXXX and XXXX XXXX. Most of male officials at Chase Bank in XXXX XXXX and XXXX XXXX, and XXXX Bank in XXXX XXXX avoided and unfriend society and do not allow meeting me helping as they gave me full of extreme dishonored messages. They made unwelcomed me in Chase Bank at XXXX XXXX on XXXX XXXX and XXXX XXXX last month of XXXX 2015 as extremely avoided me in ugliest appearance as they do ignored strongly as most employees in bad aggressive against XXXX XXXX XXXX. I am victimized harmed from Chase Bank officials in rudeness against XXXX XXXX XXXX notifies to XXXX. Senators and Speaker XXXX XXXX in XXXX XXXX forward responses to XXXX Elected Officials allowing report to appoint to XXXX Male Attorney why reported to XXXX. XXXX XXXX XXXX in your following up report responses in enforcement law seriousness matters what I was harmed not appreciated with Chase Bank turned me away from them!
I have an account with XXXX XXXX and was told I was preapproved for {$11000.00} for a loan with Avant XXXX. It said it would do a " soft '' hit on Credit just to see if I was approved and OF COURSE, I was approved. So I go on to the next part which basically is getting all your banking info, because you have already been approved ( lie ), including my acct number and also access to my account. Sent in all documentation needed and 2 hours later I am told it took an " adverse '' action- basically rejecting it. I feel extremely violated and scared now that my account will become compromised by Avant or anyone else they sell my info to. It is n't about being rejected. I am a XXXX year old woman. I am concerned greatly because of all the information that was shared and how " preapproval '' is just another word for " bait and switch ''.
I was contacted today at work by XXXX, claiming to be a debt collector and that this was a personal business matter, however the caller did not state who they were, what the debt was, nor would they verify the information that asked about. This same number has called my cell phone, with the same lack of information. They are asking me to verify personal information, and want me to answer their questions, however when I ask for a reverse verification they state that they are unable to provide me the information that I am asking for, unless I provide them my personal information.
All XXXX credit bureaus show incorrect reporting of XXXX school loan debt. I resolved the issue with this debt holder. Originally I was not aware of the debt and never paid it. However the holder realized I 'd not been fully informed and also realized under the student loans, I have discretionary forbearance of several months that I had not used, so they simply retroactively conveyed the forbearance and cleared up all past due issues, including any credit reporting claims. I spoke with them again and they ensured they will clear up on their end. I write this complain to ensure this process of clearing any false negative reporting on all XXXX is conclusively reversed and removed regarding all student loan and/or XXXX debt or any debt for that matter, as I 'm current on any and all debts. Regards
As a co-signer on the loan, the primary defaulted ; however, the lending company did not use my driver 's license information ( on file ) to send documents to my address. Instead, in violation of 806 and 805, a sheriff was sent to my place of employment and the summons handed over ( not in an envelope ) to my HR Manager. My personal information was handed over to a third party at my place of employment. I would like to file a complaint since the summons was not sealed and any individual in HR could leaf through the documents and by contacting me at work rather than at home, I consider this a form of harassment. 

It appears as though an administrative error occurred during the paperwork process which showed my address incorrect - the house number and street was correct, but the city and zip code was erroneously typed by the clerical staff at Republic Finance. The proper information ( copied on my driver 's license ) was never provided to the Sheriff 's department to deliver the summons. The sheriff was instructed to deliver to my employer rather than contact me at home. As such, the summons was drawn up on XXXX XXXX but the documents not sent to Sheriff until XXXX XXXX - therefore, I have lost my 30 days to respond. As a co-signer, I recognize that I now am responsible and I am willing to make arrangements, but I need to receive the proper notification and have the time to respond. I would like my 30 days back to address the summons and I would like a formal complaint lodged against both Republic Finance and XXXX XXXX XXXX. 

Finance Company - Republic Finance, XXXX, XXXX XXXX XXXX - XXXX, XXXX, MS
There is a charge in the amount of {$450.00} on my credit card, posting date XX/XX/2018. 

I do not recognize this chargew. 

I contacted citibank, and they indicated that, according to their records, this charge was made with the credit card physically presented. 

The only option given to me was to state that this was a fradulent charge and the card would be cancelled. 

To avoid this, citibank said they would send me details of the charge by mail within 7 to 10 days.. 

On XX/XX/XXXX, I again contacted citibank to check the status of my request. 
I was then informed that I would have to wait 6 to 8 weeks to receive this information. 

I then requested that a temporary credit be issued pending the resolution of this dispute ; I was told no, even though this is standard practice of other credit card companies.
This company calls me at least 4 times per day. They call me when I 'm working. They never leave a voicemail advising me who they are. They often call me from different phone numbers each day. They have called me from XXXX, XXXX, ect. They are calling my cell phone.
On XX/XX/XXXX I authorized a check with Bluebird by American Express for {$1000.00} that I mailed to my landlord for my rent payment for the month of XX/XX/XXXX.
On XX/XX/XXXX I received an email indicating that there was a stop payment that I never initiated or authorized..
Bluebird gave me a very nonsensical excuse about the handwriting on the check being illegible which is not correct since I have been authorizing checks for four years as a consumer with their product with no prior issues. In order to write a check on the Bluebird account one must have the funds pre-authorized in advance and which an authorization code is processed and my landlord had no problem depositing the check to her account. It took Bluebird by American Express almost 2 weeks to send me this type of notification that the funds were stopped which is very disturbing and is now costing me to be late on my rent and I will absorb a bunch of fees in the process for the financial penalties imposed by my landlord
MONEYGRAM IS FAILING TO REFUND FRAUD INDUCED MONEY TRANSFERS FROM XX/XX/XXXX-XX/XX/XXXX TOTALING {$47.00}, XXXX PLUS {$15.00}, XXXX FOR A GRAND TOTAL OF {$62.00}, XXXX.
I had a kitchen fire in early XX/XX/XXXX. I contacted XXXX XXXX and Roundpoint Mortage the next day. XXXX was fantastic theysent an adjuster right out and had acheck with in a week, made out to me and Roundpoint Mortage. I have filled out all of their forms and supplied them with tons of extra paper work. They claim they will send out a check with in 7 days. Its been 5 months the first contractor I hired was an out right theif he was terminated in XX/XX/XXXX he was paid {$1700.00} out of the first and only check received from Roundpoint I also purchased a stove and microwave which were distroyed d in the fire. After contractor was fired my Freind and I removed all insulation and replaced with new cut out burnt sheet rock replaced taped and mudded the whole ceiling and painted the whole upstairs at this point Roundpoint sent an inspector to see the progress she judged it 98 % complete Roundpoint sent acheck made out to me and the terminated contracter I tried to get old contractor to sign the check he refused I informed Roundpoint at this time XX/XX/XXXX since that time they have demanded reams of paper work which has been supplied and they claim they never received it. Their inspector inspected the work judged it 98 % complete I have paid for repairs and XXXX wages out of pocket. They found it good enough to send the check once the work has been done the quality way above what a hired contractor would do. Im the one that has been living in half a house my plants are dying havent been able to cook or have any type of normal life because Roundpoint will not send the money to pay for what has been done and also complete the job. I have pictures before and after. They claim in their paper work that if your Mortage is current you will have your check with in 7 days its been 5 months I want my house back 100 %, Roundpoint should not be able to profit from a fire that distroyed my house They have the Insurance money and Ive fixed the house.
its said I have a outstanding balance dated XXXX XXXX XXXX when I was incarcerated from XXXX XXXX XXXX to XXXX XXXX XXXX
I have continuously contacted Navient about our current situation. We are struggling to make payments. We have been putting our bills on credit cards so that we can make the payment to Navient. I called the company and went through the process of telling them all of our debts and payments. They called me a few days ago and told me that my husbands income is n't high enough to get us a lower payment?? WHAT?! You read that right. We do n't make enough money to get us a lower payment. Is there anyway to fight this?
They have called me upwards of XXXX times in the past month. They are callingmy parents house, and harassing them, after repeatedly being asked to stop.
Have received 10-15 robo calls from XXXX at all hours of the day. They leave a recorded message stating to call United Collections Bureau at XXXX regarding a debt. I do not owe any money to any entity -- and know this because I check my credit reports regularly and my credit score is outstanding. I believe this is a phishing scam.
Synchrony Financial applies credit card payments made after the XXXX of every month ( payment due date ), between XXXX and the XXXX of the next month, to the pervious months billing cycle even if there is no balance due from the previous month. This allows them to apply late fees and interest charges to payments made between the XXXX of the previous month to the XXXX of the next month ( when the statement cycle closes ). This is unethical and they are cheating consumers who are paying their credit card bill in good faith.
I am disputing the final response of disputes on my credit report. All my student loans have been discharged by the Dept. of Education, XXXX and XXXX XXXX XXXX. I have also been a victim of unfair medicare billing that I asked to be investigated and removed.
On XX/XX/XXXX I called Navient the company that has been servicing my student loan to make my Final payment due after basically 20 years .My payment via Debit card was taken by the representative for the balance of {$96.00} I was told i would receive an email and was also given a confirmation # XXXX for my account # XXXX. This was my Final payment Due. I checked my bank account which verified that my payment was taken out. On XX/XX/XXXX approximately I received an email from Navient asking for me to contact them to correct my late payment due. I contacted their customer service ( XXXX ) XXXX XXXX I gave them my information in regards to my previous payment and was again asked to make another payment which I declined I asked for a direct supervisor capable of resolving this issue. I spoke to a woman named XXXX emplyee ID # XXXX who told me that the original employee who took my payment sent this payment to the wrong student loan via the Dept. of Education that I would have to wait 4-6 weeks for them to send me a reimbursement check which i would then have to forward to Navient to finalize the whole deal. I told the supervisor that I expected that there would be no issue with my credit which to this point after 20 years has never had a problem. Fast forward to multiple emails from Navient when my " payment ' is due with the same threats against my credit and offers to help resolve this issue .All to no avail I just received another prompt for help in resolving this from a XXXX dated XX/XX/XXXX No  reimbursement check has come .I guess my next recourse is Court as this has become ridiculous
XXXX XXXX, 2017 approximately XXXX XXXX I entered Citibank on XXXX XXXX XXXX XXXX NY XXXX. I came in the bank to close the account and open another account in which I have power of attorney. The account was blocked by the fraud department because someone had access to the account and routing number ( fake check was made ). I spoke with XXXX XXXX XXXX and he immediately went to get his branch manager XXXX XXXX. They informed me that they have to go to the back to call the fraud department. They need to call the bank that issued the POA and they need to get in contact with the bank that originally opened the account 12 years ago. After waiting for 2.0 hours ( they never came back to check to me ) I decided to call customer service. I called customer service and spoke with a supervisor. The supervisor said the Fraud department released the account over to the Bank Manager and that they should be closing and opening me a new account. While I ha the supervisor on the phone I went to look for XXXX and XXXX because the customer service representative wanted to speak to them. XXXX stated we are not allowed to speak on your cell phone the customer service representative must call the branch. While waiting on the phone ... the customer service supervisor called the branch. They were on the phone for quite some time. She came back to and asked can she call me back because the branch manager wants to speak to the fraud department to see if the account was released to the branch manager. XXXX XXXX I received a call from XXXX. She explained to me that the fraud department confirmed with the branch manager that the account was released to the branch. The customer service supervisor stated that the branch manager at the bank is suppose to close the account and open a new one ... .she was confused on why the branch manager was giving me a hard time. The customer service supervisor stated the branch manager was checking on the guidelines to open and close the account. She said the account was good to go to close and open new one. After waiting another hour  I looked for XXXX XXXX ( XXXX also told customer service she was not the branch manager ) ... ..when I found her she said she was still on hold for the fraud department. Meanwhile customer service stated that they spoke with her already. I explained that to XXXX XXXX she stated customer service is external and for the customers. She said that 's not internal so she have to speak with someone internally. I explained that I been waiting 3.5 hours will anyone help me. XXXX XXXX explained theres nothing we can do for you until the fraud department lift the block. The most they can do for me is open a new account. But before opening the new account ... they had to get the original Power of Attorney from the XXXX XXXX location ... ..I just left with nothing resolved. I felt discriminated against. I felt that they did everything in their power to ignore me. They went to the back office and never came back. I had to go seek for them.
Transunion is reporting the wrong birthdate on my report now. 
I was not born in XX/XX/XXXX. I was born in XX/XX/XXXX. TransUnion is still reporting my address wrong as well. My address is ( XXXX XXXX XXXX ) -NOT- ( XXXX XXXX XXXX ). I believe they are intentionally making these changes to my report on purpose because of my disputes to cause me financial harm and distress. 
I have disputed items on my report in the past and i have always provided my id and SScard. Why all of a sudden after i dispute items on my report my birth date changes and my address. Again how can you do a PROPER INVESTIGATION if the information you are reporting is WRONG. 
( XX/XX/XXXX ) is my birthdate. 
So if they claim to be doing investigations into my disputes how can they find any of them to be mines if TRANSUNION does not even have my BIRTHDATE correct. 
So this means all of there investigatios are fraudulent and they have not done any proper investigations at my request. 
NOW I ASK AGAIN THAT THEY REMOVE ALL OF THESE INQUIRYS FROM MY REPORT, CAUSE NOW I HAVE LEGAL GROUNDS TO FILE A LAWSUITE. 
XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX Fcu Inquiry from XX/XX/XXXX XXXX XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX PLEASE DO NOT TRY ANYMORE STALL TACTICS AND SEND ME ANY LETTERS ASKING FOR MY ID BECAUSE MY ( NY STATE ID ) IS INCLUDED WITH THIS LETTER AS WELL AS MY SS CARD.
I applied for a loan with Embrace Home Loans. I paid for an appraisal during the loan process. After several months without hearing from anyone I received a turn down notice. I attempted to call Embrace but the person I had been working with never returned any of my calls. I applied with another company and was approved but they need to have an appraisal done as well. I was advised I could transfer the previous loan but Embrace would have to participate in making that transfer. Unfortunately after numerous calls they will not even return my calls so I may get access to an appraisal I paid for. Transferring the appraisal simply required an email on their behalf.
I called in on XXXX/XXXX/2016 to make a payment on my QCard in the amount of {$110.00} at that point I was advised by the customer service representative that my credit limit decrease was only temporary due to none payment. I called again and spoke with a supervisor named XXXX who advised that my limit was dropped from {$1000.00} to {$470.00} due to a missed payment. I would like Qcard to raise my credit limit back to {$1000.00} because, the representative advised me per phone conversation on XXXX/XXXX/2016 before taking a payment that the limit would be readjusted. The decrease in credit limit without any notification from QVC caused my credit score to decrease by XXXX causing me financial hardships.
XXXX, I recieved a letter of unpaid debt collection in which i was not aware of till 2 days ago. i recieved a bill of {$75.00} in which I do not carry a XXXX account therefor, resolting in no use for the XXXX XXXX. I want to correct the violation mistake XXXX has caused.
A  Discover Card re presentative called me today about an outstanding balance on  XXXX  credit cards that were opened with them on  XXXX / XXXX / 2016 . I informed him that I have no credit cards with Discover and have never applied for credit with them.. I did report as fraudulently  XXXX  credit card that was opened with Discover back in  XXXX . I informed them that I have a 7 year fraud alert on my credit so no accounts should have been opened without my authorization. They informed me that the card would be closed out immediately. However, after the phone3 call today I 've learned that they did n't close out the card and that there are  XXXX  additional cards opened fraudulently with Discover. Their investigations dept. refused to help me or give me any information as to how these accounts were opened and then kept open even after I informed them back in  XXXX  that they were fraudulent. In  XXXX  I was advised by  XXXX  to get a credit freeze since the lady whose stolen my identity has still been able to open up accounts despite my 7 year fraud alert. I assumed that this issue was over, but as of today I see that it is not. I need these  XXXX  accounts closed as fraudulent.
We have our 1st mtg w/wells Fargo - nothing else, yet they are now sending us checks and have opened up a VISA account unsolicited. Isn't this the very thing they were fined for?
on XX/XX/XXXX I woke up to see 4 inquiries on my report XXXX, XXXX, XXXX  and XXXX XXXX XXXX these are not mines, i contacted creditors they said cintact the credit bureaus nothing they can do. Please tis is destroying my credit
This complain is follow up on previous complain CFPB Case # XXXX On XX/XX/XXXX I contacted Citi Bank in regards to 5 transactions on my account which I did not authorize & I don't know where my money went. Those transactions were following dates & amounts : XX/XX/XXXX {$13000.00} XX/XX/XXXX {$15000.00} XX/XX/XXXX {$16000.00} XX/XX/XXXX {$18000.00} XX/XX/XXXX {$18000.00} Total amount I disputed was {$80000.00}, Citi Bank gave me a name where those transaction went through & I did not recognize that name. Citi Bank advise me that they will investigate it & credit my account. I even called that bank also & i was told that there was no account under my name at that bank told me in order to investigate I have to file dispute with Citi Bank. I was told that I need to open a new account and close old one. 
I opened new account with Citi Bank at XXXX branch, after few days they closed my account also & nobody knew any answer & was told that I would get a check in the mail. 
on XX/XX/XXXX I received a check in the amount of {$83000.00} which i deposit in my capital one account which was later returned as stop payment. Since than I am getting run around from Citi Bank. 
I just need my money back & Citi Bank is claiming that those ach transactions I did it, than I need proof if I did it, what kind of investigation Citi Bank did it & which account money went to because that bank did not have any record for that. 
In my opinion Citi Bank took my money or they lost it somewhere. 
I am trying to sort out with Consumer Financial & Citi Bank otherwise I am going to take legal action against Citi Bank.
For more than XXXX days, the family of XXXX XXXX, through the Administrator of the estate, has been trying to get the HUD Redemption payoff for her home. Freedom Financial is the lender is intentionally stalling in order to avoid or stop the estate from purchasing the home.
Re : Unauthorized Credit Inquiry While reviewing a recent copy of my [  XXXX   ] cre dit report I noticed a credit inquiry by your company that I do not recall authorizing.   I understand that you are allowed to put inquiries on my file, but only if I have given my authorization.   Please have this inquiry removed from my credit file as soon as possible. I have sent this letter certified mail because I need your prompt response to this issue.   I would greatly appreciate receiving a written response that you have had the unauthorized inquiry removed.   If you find that I am mistaken, then please send me proof of my authorization.     Thanks in advance,  XXXX   XXXX   XXXX