WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX and Transunion XXXX XXXX  sent this letter with all the other letters that Ive submitted on this portal. Still XXXX XXXX   afforded NO CONTRACTS BEARING MY SIGNATURE obligating me to pay the debts they are reporting. Still has not placed notice of DISPUTE on my XXXX and Transunion and XXXX  file within 30 days violations of the FCRA. The Attached Documents are LEAVING THE DECISION UP TO YOUR BUSINESS to do the right thing and remove this inaccurate and unverified information from my CR. Thank you for your considering my request.
In XX/XX/XXXX, I received a promotion from XXXX  for XXXX flight miles when approved for a Gold AMEX card. I applied and was approved. I immediately saw that I was congratulated with the wrong promotion ( XXXX  ). I emailed, but the company never replied. In a month, I've spent the needed {$1000.00} to receive the miles and was awarded XXXX  instead of XXXX. I called XXXX  and they said that the case would take 6 weeks. After 6 weeks passed, I called again and was assured that it would be taken care of in one more week. It has now been two months with out a resolution.
I had an unauthorized transaction on a business credit card with Chase. I contacted them about the fraudulent charge of {$50.00} ( XXXX XXXX XXXX XXXX Pre-paid Phone ) and they have given me every difficulty in having the charge removed from my bill. I am appalled at their behavior and have never been treated this way when disputing a charge on a credit card before. I have used the card to charge in excess of {$20000.00} of products and services for my business and they have refused to remove a {$50.00} charge because the vendor XXXX XXXX XXXX had " proof '' that someone named " XXXX '' said they had authorization to charge my card for the phone.
Chase has refused to provide me any details about any debt other than to say something for principal and something for fees. 
I still have not received anything about what the money is owed for. 
I was advised in person on XX/XX/XXXX that my account was being closed, I was told by the branch manager via Deputy XXXX of the XXXX XXXX office that I needed to remove any remaining funds in my account at that time or it would not be available to me the next day and that Chase would send a check with the remaining funds in the future. At the direction of the branch manager I removed my remaining funds closing my account. Then Chase left my account open without my knowledge or consent. Now they want to charge me money for something after the account was closed. I requested to be accommodated under the XXXX and for large print. Chase refused to send anything in large print until XX/XX/XXXX in which the debt is not clear at all nor what the debt is for, they only say I owe them money. I do not owe anything since I was told to remove my money on XX/XX/XXXX and that my account was closed. I was told to never return to Chase or I would be arrested. With Chase 's threat of arrest it was clear my account was closed and I was not to return because we did not have any business relationship. Now after the fact and several months later I get a letter that is not clear at all and is over 120 pages. The volume of the pages is overwhelming for my XXXX and is not clear at all what is owned for what. It appears to be an effort to distress me knowing I have XXXX.
On my XXXX credit report I have an inaccurate account listed under XXXX # XXXX. I believe this account is recorded in-error due to XXXX XXXX XXXX XXXX policy and/or United States XXXX Regulation on Seperation and Discharge. You can not separate from XXXX XXXX military with an open credit/debt when such debt would be inappropriate and unmanageable by the servicemember or a government agency. You are required to have proof of receipt the account is PAID IN FULL or you will be extended in your time and service until the account is paid, per military regulations, this record makes me the ONE EXCEPTION to XXXX XXXX XXXX Policy and the XXXX Regulation.
XXXX Credit File XX/XX/XXXX Information # XXXX has on page 10 of 18 Inquiries that may impact your credit rating/score in which I have showing a company XXXX XXXX : XXXX XXXX XXXX in which I have no given any consent or sign any document for or to obtain credit. This is pure fraud on the stated company being XXXX XXXX : XXXX XXXX XXXX and XXXX being that I opt out in XXXX XXXX XXXX that company or companies doing inquiries with out my consent and XXXX allways trying to justify there actions while doing fraud with no real reason and at the same time effecting my credit due to fraud and wreckless errors on and by XXXX has error after error that inpacts my credit score and has or needed to be corrected or I'm in the process of taking this to court for damages and error after error with out my consent.
my loan is with Green Tree servicing fell behind by a mth on my mortgage they are holding payments in suspense and will not apply them I also made a XXXX XXXX payment a year ago the amount was given to me by my then account manager XXXX was her name I need proof that that was applied also I have asked for a loan modification package that the hope hot line told me to ask for I have left messages with my new account manager XXXX also requesting this modification package and she will not return my calls I pay my loan every mth and have proof of it they are trying to say I owe them over XXXX dollars this is not true as I have proof of payments
I am a co-signer for my son, XXXX XXXX. He attends XXXX University in XXXX, PAOn entry to school in XXXX 2011, he took out a XXXX XXXX loan, I co-signed. I was working a very good job at the time and we opted to pay the interest on this first loan right away. I was laid off from that good job a month after school started. All subsequent loans for school, taken every semester since his entry in XXXX 2011 until current, have been deferred payment loans - payments deferred until after he graduates. All loans were taken out on XXXXXXXXAt some point a few years ago, XXXX XXXX informed me that they merged with a company called Navient. At that time, I started getting XXXX different bills for XXXX different loans. I had no idea why as we never took out a loan without opting for the deferred student loan payment. I called XXXX XXXX and they told me they have now " unmerged '' - never notifying me. They left XXXX of our loans with Navient - without my consent. And in calling Navient, they state that they do not OFFER and DEFERRED PAYMENT student loan and thats why we are getting billed for all these loans. On top of this, I have been paying approx {$250.00} per month to Navient and they admitted to me on the phone that they " MISAPPLIED MY PAYMENTS '' causing me to " LOOK DELINQUENT '' and they reported such to the credit agencies, dropping my credit score and my sons credit score by XXXX points!!!! They said it will take days to fix and file a retraction with the credit agencies. No one was very nice or helpful at Navient. XXXX XXXX just blew me off - not their problem - they gave the loans away to someone else. Can you help me??
Received debt collection notice from IC System for XXXX XXXX for {$83.00}. This is not my bill I have n't had XXXX for probably 20 years or close to it. Called IC System and they said this is due to be reported on my credit XXXX XXXX. I can call back in 30 days to check on dispute. I want this resolved immediately. I have good credit and this is not my bill. Account # XXXX and IC System reference # XXXX.
Good evening, I opened a Wells Fargo checking account on XX/XX/XXXXand did so after being told that I would receive {$150.00} if I completed the steps required. When I opened this account I did so with the promise of {$150.00} after. The requirements were to make XXXX debit card purchases, which I did between XX/XX/XXXX andXX/XX/XXXXand to make at least XXXX purchases using my debit card loaded to a mobile wallet totaling at least {$10.00}, in which I made XXXX separate using XXXX XXXX on XX/XX/XXXX and a XXXX on XXXX. I 've made over XXXX since then. I completed the requirements. I originally received an acknowledgment e-mail from them on XX/XX/XXXX stating stating that " my bonus is ready '' and completed all of the requirements before XX/XX/XXXX. I 've already spoke to my local branch XXXX and was told XXXX months ago that it should post any day. OnXX/XX/XXXX I sent them a message through the website explaining my problem and was immediately told that I qualified but needed to fill out an XXXX and the money would be credited before XXXX. That same day I went into my local branch and filled XXXX out. I also filled out and mailed the package that they sent me. I received it on XXXX and mailed it the same day. I want to like this bank. I want to close my old account with another bank and transfer my money into this XXXX but how can I when they wo n't honor their obligations. I assume that they do n't pay anyone until they file multiple complaints. The time that I 've spent trying to rectify this is just ridiculous. Can you help me with this?
So the problem is that the Sallie Mae / XXXX customer service people call me XXXX times a day before my payment is even due. My due date is XX/XX/XXXX and just today XXXX/XXXX/2015, I received XXXX calls with the last one being the infamous XXXX XXXX message. I ca n't understand why they are harassing me when I 'm current? I have spoken to several supervisors including XXXX XXXX and XXXX but neither were helpful not to mention they were the worst customer service people I have ever dealt with. I thought easy lending with aggressive collection practices were a thing of the past? Sallie Mae XXXX XXXX is in serious need of reform.
report shows my address as XXXX XXXX XXXX. I have never lived there. My correct address is XXXX XXXX XXXX. Equifax refuses to correct.
Company called after XXXX ( 15 USCS 1692 ) to collect debt and frequently calls multiple times everyday. 

Additionally, company has illegally tacked on late fees to this account EVERY MONTH it has been open despite having checks DATED AND MAILED directly from my bank prior to the end of the grace period and intentionally posting them to my account as LATE for MULTIPLE accounts resulting in THOUSANDS of DOLLARS in EXTRA Profits. 

Company also purchased EXTRA INSURANCE on my property ( although a policy has been in place for over a year ) and is trying to bill me for the cost of the insurance the purchased although the current policy meets their requirements.
I had identify theft back in 2007 a citibank account was opened for me through my first job. The day before i got paid i lost my wallet with my information in there..i made a report about it to citibank but have n't gotten no help..then i opened a XXXX account so i can get my paycheck deposit there..but i guess the person that had my information from previous situation had gotten a hold of that account..and opened numerous bank accounts in my name and this destroy my credit to the point I ca n't open no bank accounts..i read online it takes 7 years to renew or able to open another bank account its been 10 years with my situation and i still ca n't open a bank account please help me.
I paid my credit card bill, the payment was accepted and then overturned. There was no reason given for why the payment was recieved, accepted then overturned.
I have been a victim of fraud, I will attach the police report. Currently I see a collection on behalf of XXXX XXXX. I never had any account with them. This is fraudulent.
On  XXXX   XXXX  , 2017, some one cashed a forged check in the amount of {$1500.00}. On  XXXX   XXXX ,  2017    when the check posted on our account, we first contacted Chase and informed them of the fraudulent activity, then immediately filed a police report with  XXXX  Police Department case #  XXXX  with   XXXX    XXXX . Chase informed us it would take up to 30 days to investigate and return the funds. On the  XXXX , we contacted Chase to get an update on the claim and they informed us the claim was denied. They would not refund our money because we were negligent with our checks. That we " didnt keep our checks in a safe at all times. '' My husband went to the local branch to discuss this matter further and the banker herself said she has never kept her checks in a safe ever.
TD BANK, XXXX ( TD AUTO FINANCE ). TD BANK WAS PAID OFF ON XXXX/XXXX/2016 BY XXXX XXXX XXXX XXXXXXXX. FOR THE AMOUNT OF {$19000.00}. THIS WAS TO COVER THE PAYOFF OF MY AUTO LOAN ( PAYOFF {$19000.00} ). THEY DID NOT CASH THE CHECK TILL XXXX/XXXX/2016. I HAVE CALLED THREE TIMES & THEY TOLD ME THEY WOULD MAIL OUT MY CHECK FOR {$230.00} ON XXXX/XXXX/2016. I CALLED AGAIN ON XXXX/XXXX/2016 & WAS TOLD I SHOULD GET MY CHECK BY THE 2ND WEEK XX/XX/XXXX. 
I BELIEVE THEY ARE HOLDING MY PAYOFF TOO LONG, DO I HAVE ANY RECOURSE??
I recieved calls and messages from my XXXX brothers, their XXXX wives, and my father stating a man is continuously calling them and leaving messages about a delinquent credit card account and they are filing court papers the next day and he needed to speak to me. I called him, and the credit card # he says i have is wrong for one and then he told me i had to pay {$510.00} right then or id be in a lot of trouble the next day. I told him it was not possible and that thats not my credit card number. He started to yell at me and threaten me, saying he knows im XXXX and id better pay it now or he would be sure to get my XXXX. I hung up on him. He called 3- 4 more times and left a threatening voicemail on our phone. His name is XXXX XXXX XXXX, and he told all XXXX of my family members what debit he was going to collect from me or such and such would happen to me.
more than 10 years ago my wife was very ill and our family experienced significant financial problems. We defaulted on our mortgage and in order to get things back in order I accepted a deal with my mortgage handling company that increased my interest to a very large amount. It was my understanding that after our finances improved, and we demonstrated that we made our payments on time our interest rate would be decreased. Unfortunately that has not happened. I have requested that they review our account but all they have done is tell me that my mortgage is eligible for refinancing. My credit is now excellent but the mortgage on my house is much more than its value and I can not get a new lower interest mortgage. I feel that if the company can increase my interest they can also lower my interest. I have been encouraged by many to " walk away '' from my home but I have been in it for 40+ years and do n't want to do that. I am more than willing to honor my mortgage but need some relief on the interest I pay.
I paid off my loan with Security Finance but they still reported my loan payment late three days ago- I do not owe them any money! I have disputed with the credit bureaus already. This ONE late payment has now prevented me from getting my home loan. The company also repeatedly called me at work after I told them not to do so. This action violates federal law in credit reporting and I am contacting an attorney if this is not resolved!
On XXXX XXXX, XXXX I discovered my personal information had been compromised due to Equifax 's negligence. On the same day, I was offered a free period of monitorying by Equifax. However, this action does not solve or compensate victims of Equifax 's gross misconduct, incompetence, and negligence. Equifax 's business revolves around consumers ' personal information, and allowing hackers to breach their system, affecting half of the United States, is unacceptable. As with other affected consumers, I was not contacted by Equifax notifying me of improper use of my personal information. Moreover, Equifax discovered the security breach on XXXX XXXX, and did not make the information public until XXXX. Personal information, including but not limited to Social Security numbers, full names, addresses, and credit card information, holds monetary value and can lead to inidividuals ' financial losses.
On XXXX XXXX 2018 XXXX XXXX d.b.a. Ally Bank decided to close my account ending in XXXX without specifying a reason and deposit the {$0.00} in my checking account ending in XXXX. XXXX the floor supervisor stated that my checking account ending in XXXX was also in Jeopardy. The bank is relying on the catchall clause regarding its right to deny service for any reason. I have been an account holder for 10 years. My XXXX check goes to them. They stated that I had no right of appeal and offered to forward the XXXX check. The current checking account balance is XXXX
My husband sent me a check in the mail using the online-bill pay service through his Bank ( U.S. Bank ). The bank sent me a check dated XXXX/XXXX/2015. I cashed this check at my Bank ( XXXX XXXX XXXX ) on XXXX XXXX. On XXXX XXXX or XXXX - TWO DAYS AFTER I CASHED THE CHECK - my husband placed a " stop check payment '' on the check. My bank reversed the transaction and said that I owe them {$300.00} because U.S. Bank refused to honor the check. I looked this up, and found out that under Regulation E of the EFTA, this was not merely a " check '' - but that such payments are actually defined as " Pre-authorized Remittance Transfers '' by 12 CFR 1005.30. This is supposed to limit my husbands right to cancel the transaction to 30 minutes after he made it, since it was scheduled more than 5 days in advance. I and a refund of the fee I was charged by XXXX XXXX XXXX for a returned check. I also want U.S. Bank to honor the remittance transfer ( which they insist was just a check ). Thank you for your help.
Card opened XXXX XXXX-I was employed. Needed to rebuild my credit so took this card out with annual fee. XX/XX/2013 lost my job ; I had the coverage on card if I became unemployed>whereby it picked up the payments. Secured new job ; was told I could still use card. Fast forward to XXXX-I noticed my card was 'not available ' for use. I called Capital One and was told the account was closed due to lack of home address ... my mail goes to a XXXX XXXX . Ok, so they closed my account without telling me. Then I asked for the yearly fee or a portion to be refunded and was told 'NO '. My recent conversation with them I spoke with XXXX-he told me I only had 40 days from date account was closed to request that refund. Now ( A ) I never knew the account was closed and ( B ) how come not one other agent ever told me this policy? I want a full refund of the {$60.00} annual fee. It's not my fault this company neglected to secure all proprietary information. and if the original bank who wrangled me into this account sold it off to Cap-One - again NOT MY PROBLEM. I want a credit on my account and will never ever use this bank again.
They call excessively, either daily or multiple times a day. I have advised them of the excessive phone calls and have been making payments on the account however they still call too much!!! Just on XXXX XXXX they called at XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. I expect additional calls today as they just do n't stop calling even with arrangements set up. I previous to that received a call on XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, and XXXX XXXX. This is for an amount of {$200.00} and some change owed to Wells Fargo Bank. They literally call everyday except Sunday 's and Holiday 's. This is an extreme nuisance and I have arrangements setup with them to pay {$25.00} every 2 weeks.
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

XXXX XXXX XXXX- This account has never been late and the balance that you are reporting is incorrect. *please see attached documents that payments have been made on time and the balance is incorrect.
a Fraudulent account was opened under my name without my knowledge or consent. I contacted the company 's customer service and fraud departments to inform them of this. 
I was told that I would be sent a fraud statement. They never did. They have harassed me via telephone ( my cell ) and I am now receiving letters from a collection company.
On XXXX XX/XX/2018, I made an online payment with Citibank for my Universal Card. I  received an email with confirmation number XXXX that the payment was made successfully. I owed {$2.00} and paid {$3.00}. Citi said the payment confirmation is a " pending '' or something like that, which is not stated on the confirmation. 

On XX/XX/2018, I received an email from Citi requesting a call to them about collecting a debt of {$25.00}, which was the {$2.00} plus a {$25.00} late fee. They said my bank XXXX could not process the payment because the account number was entered incorrectly or something. 

I went to the website to determine what was going on, but it would not let me proceed to any screens without making a payment, despite the fact that I was disputing that I owed them any money. I called them but could only get their debt collection section not regular customer service. Debt collection could only process payments and not address any other issues. 

I recorded the phone call with citibank and spoke to 3 different employees. I requested they not call me about late payments. I was told their policy is that they would not call me about anything including fraud. I stated they could not place me on a blanket do not call list because I wanted fraud protection and that they were required by federal law to protect my card from fraud. They refused. I was told they could send text alerts about fraud. I was told they could not guarantee that I would not text about other issues, when I asked about receiving texts only for fraud. 

I requested a copy of this policy and was told they did not have to provide it as a matter of Georgia law. I stated they did have to as a matter of Federal law if they are breaking the law. 

I asked about removing the late fee, when I had a confirmation that I had paid. They refused. I said that was a violation of the credit reporting act. I said it was a violation of State of Georgia law as well. 

I tried to review the data online but their site did not allow me to do that nor edit the data, so I added the account again and paid them the minimum it would let me pay which was {$5.00} on XX/XX/2018. They said they make the phone call so the account is not past due, but they did not call me until the account was 6 days past due. 

I should not be forced to pay any disputed amounts, until a determination about what happened and how it happened is completed.
Portfolio Recovery keeps calling me over and over. I have asked them to stop calling I have no unpaid debts. XXXX is the number they call from
I recently was notified that my Chase credit cards were increasing cash advance APR by 5 %, increasing balance transfer fees from 3 % to 5 %, increasing late fees, etc. I thought this agency was in place to stop this kind of unjustified practice. This is done just to increase the profits of Chase bank with no respect to its customers. 
Thanks, XXXX XXXX
On XX/XX/2018 capitalone closed my account and restricted my account because I field I fraud clame on my account. When I call back I spoke to some one they say that my account was closed because of payments returned as they can see I never had a charged back on my account with no payment l. I talked to them on special accusing about my account and they all was give me the run around and when they found out I call the CFPB thats when they closed my account I just want answers on why my account was closed and I would like to open the same account I have on file. I have everyone I spoked to about my account ID NUMBERS. Thank you