WillisBack/dataset-financial-user-claim huggingface dataset:
I observed that there were unauthorized charges on my account XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX {$500.00} XX/XX/XXXX XXXX # XXXX XXXX MN XXXX {$500.00} I have not been credited for those charges and there is also a interest charge that I was charged for as a result of those unauthorized charges. 
XX/XX/XXXX INTEREST CHARGE ON PURCHASES {$810.00}
XXXX XXXX XXXX sent a collection account to XXXX, Equifax and XXXX. The loan was taken out in 2011 from XXXXXXXX XXXX XXXX and they state that the loan is still open. Once I found out that they had no license in Florida and that the loan was illegal I sent them a letter to stop taking payments from my account. They would not honor this request and I had to close my account. This loan is not legal or binding nor reportable to credit bureaus. I disputed this report with XXXX and they said it was verified. XXXX never contacted me about this loan. They just reported it.
I opened a CitiGold checking account online in XXXX of XXXX. I was an existing Citibank customer with a credit card that earns 'Thank You Points '. The checking account was opened using a promotional offer from Citibank, which offered a bonus of XXXX Thank You Points ( worth roughly {$500.00} ) if the I met the following conditions within two months of opening the account - I simply needed to make 2 online bill payments in 2 consecutive months. I opened the account, and verified ( via Secure Message and using their Online Chat application ) with Citibank that my account was opened with the promotional code and eligible for the promotion, and that I had met the requirements the receive the bonus Thank You points. I was told in accordance with the promotional terms that the bonus points will post to my account within three statements or 90 days of completing the requirements, which would have been XXXX XXXX, XXXX. It is now XXXX XXXX, XXXX, and I have paid {$90.00} total in monthly fees to Citibank, and Citibank has not upheld the promotional offer. Upon inquiry, Citibank now tells me that I was never eligible for the promotion, despite the fact that they confirmed my eligibility several times and provided specific dates and milestones that corresponded to that eligibility. This is very unfortunate in that in the six months this account has been open, numerous Citibank representatives have confirmed my enrollment in this promotion, eligibility and satisfaction of the promotion requirements to earn the bonus for this checking account. The last Citibank rep I spoke with told me that the points would post within 90 days of meeting the requirements. Only now, after Citibank has collected fees during my 90 days of waiting, does Citibank decide to inform me that I am not eligible. If I was ineligible, why was I not informed earlier? Therefore, I find this practice to be very deceptive and would like to file a complaint.
I leased a vehicle from Ally Finanical. I never missed a payment, nor was I every even late with a payment. At lease-end, I was told I the vehicle inspection would occur at a later date and I would be informed of the findings. Due to the inability of the company to inspect my vehicle at the time that I was returning the vehicle, I was not able to correct one small issue with the return, the charger was not in the vehicle. In fact, I was not notified until I received a bill for the charger. I had returned the vehicle days before my required date, therefore, if the inspection had occurred in a timely manner I should have been given an opportunity to correct the oversight. Now, after talking with Ally, I have been getting nothing but poor customer service, or no customer service. I had requested to speak to a supervisor, only to be told that there are no supervisors. Additionally, I requested to be provided the information to contact their legal department, and was told there is no such thing. All I want to do is give Ally the charger, and be done with it.
I visited a Costco at the location in XXXX XXXX, Michigan at or around XXXX on Friday, XXXX XXXX. The employee working the credit card station near the entrance made material misrepresentations to me when I applied for the Costco Anywhere Visa Card by Citi. The false statements are as follows : 1. Handing me the terms and conditions of credit card after being told that " I was only applying for a card. '' 2. She handed me terms and conditions for a business credit card, which is a different credit card with different terms and conditions. 

3. I was verbally told that the seven-month, interest-free grace-period would not begin until I used the card. ( Actually, the grace period began to run as of the day I applied. ) 4. I was not informed that my Costco membership would be automatically charged to the card. 

5. I was not given any terms and conditions until after I " applied. '' After reading the terms and conditions, I decided that I did not accept them. We should not have a contract. I do not believe there is one. Still, my credit report will show negative scoring because you issued a credit card in my name without my permission or assent. 

I feel lied to and betrayed. If possible, please remove any discrepancy from my credit report. How will you attempt to rectify this problem?
I 've disputed this account, and asked for verification multiple time in the past 6 months. To this day, XXXX XXXX XXXX has failed to deliver validation of debt. The only response that I received was the deletion of XXXX XXXX XXXX trade line from the XXXX credit report. By the removal of this trade line from my XXXX credit report this has set a precedent that XXXX XXXX XXXX was unable to substantiate this claim of debt and therefore removed it from the report agency. 

This account is further negatively affecting my credit report and score due to this company 's inaccurate reporting. I am requesting the full deletion of this account as a result of XXXX XXXX XXXX not lawfully validating this debt after a substantial amount of time to do so and by the precedent set by the company in the removal of the trade line from my XXXX credit report.
This property was sold and paid-off the above loan on XXXX XXXX, 2014. However, CitiMortgage is reporting the current loan status past due 120 days. I am requesting CitiMortgage send an corrected update to the XXXX Credit Reporting agencies ( XXXX, XXXX, XXXX ) to reflect that loan was " Paid As Agreed ''. 
Change Account Status From : " 120 Days Past Due '' Change Account Status To : " Paid as Agreed and Closed ''
I received a statement from XXXX XXXX stating that I owe my payment to them for XXXX. I called my previous servicer XXXX and the auto message said that my mortgage was recently transferred. I never received anything from XXXX advising this. My auto payment was already sent to XXXX for XXXX. If possible, I would like my mortgage to stay with XXXX. If not, I would need the funds I sent to XXXX forwarded to XXXX XXXX, with no adverse action taken. I have already filed a separate complaint against XXXX.
While I was waiting on the decision on whether or not I would be granted an extension on a forbearance, the bank filed a case against me. A court case was filed against me dated XX/XX/2018. I received a letter dated for XX/XX/2018 explaining that they will not grant me an extension. While applying for help through the Hardest Hit Fund, a housing counselor told me that, by the bank filing against me while I was still in loss mitigation awaiting the bank 's decision on the extension, the bank was doing what is called " dual tracking, '' which I was told was illegal. It was then suggested that I file a complaint with your organization. I have a settlement conference by phone scheduled for XX/XX/2018. On XX/XX/2018, I filed for a continuance with the courts at the advice of the counselor.
I am in the process of building a legal case for intentional, reckless, malicious and willful violations of the FCRA as well as defamation from TransUnion, A copy of this dispute will be used as evidence if needed. The following information is being reported inaccurately, falsely and unfairly by TransUnion. XXXX XXXX XXXX. This account is time-barred and needs to be removed from my credit file. On XX/XX/XXXX and XX/XX/XXXX, I  complained to the Consumer Financial Protection Bureau about the intentional and reckless actions of TransUnion with regards to this account. I provided them proof of the inaccurate credit reporting. In their response to this complaint, TransUnion stated that they would reinvestigate and respond to me within 30 days. They did not reinvestigate or respond back to me within the 30 day time frame according to the FCRA. Attached you will find copies of their response to the CFPB complaint. In addition, TransUnion did not provide the name of the person who responded to the CFPB complaint. There is no accountability. This is unacceptable. On XX/XX/XXXX, I once again wrote TransUnion directly and once again provided them with additional information proving the inaccuracies with the XXXX XXXX XXXX listing. Once again they did not reinvestigate or send me results of the dispute within the 30 day FCRA time frame. Attached you will find copies of the letter and the proof that TransUnion received the dispute. A copy of this complaint as well as past CFPB complaints on TransUnion is going to the FTC, XX/XX/XXXX Attorney General, XX/XX/XXXX Attorney General, XX/XX/XXXX and my legal counsel.
According to my recent credit report request from Transunion, XXXX, XXXX 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 XXXX XXXX Act. # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , VA XXXX | ( XXXX ) XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 

XXXX XXXX  XXXX Act. # XXXX XXXX XXXX XXXX, XXXX , UT XXXX | ( XXXX ) XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 

XXXX Act. # XXXX XXXX XXXX XXXX, XXXX , FL XXXX | ( XXXX ) XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 

XXXX XXXX Act. # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , SD XXXX This account states that I was 30 days late, however, I was never late on this account and the creditor has agreed to remove the late payment to avoid any litigation. I demand that this be removed. 

XXXX XXXX Act. # XXXX XXXX XXXX XXXX, XXXX , MI XXXX | ( XXXX ) XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 


XXXX  XXXX XXXX  XXXX Act. # XXXX XXXX XXXX XXXX, XXXX , FL XXXX | ( XXXX ) XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed.
I ask for Validation from chase bank because they are reporting a account i am not sure of i was sent a letter stating Account info rmation is not available? i also asked   XXXX   to verify and I would Like Proof As per Sec 605, 609, and 623  no proof was every provided but replied back that Chase Bank  Verified  account and updated it on  XXXX   XXXX ,  2017 .
I sent in a dispute to TransUnion regarding a federal tax lien that was an error. I sent the documents that clearly showed an error had happened and I had to get my congressional representative to force the IRS to correct this. TransUnion did not delete this from my credit record but changed it to a paid tax lien. This is not correct and I want this record deleted from my credit records as the other credit reporting agency has done. ( XXXX ).
I notified all 3 bureau I was never late They never responded. I contacted XXXX XXXX they said I was never late.
I am no longer disputing XX/XX/XXXX and XX/XX/XXXX XXXX Account.
During the months of XXXX to XX/XX/XXXX I was going through a very serious financial hardship where it was very difficult for me to make my payments. I was not working, I was XXXX  and trying to work with XXXX  on getting my payments figured out. They did nothing to help me and placed 4 late payments on my credit. I was so disappointed because I thought compaines would be more understanding when consumers are put in terrible financial situations. I now have a career job and a roof over my head so I am able to make all payments on time without any problems. I have been a XXXX customer since XXXX and I have never been late for a payment not until XX/XX/XXXX when I was struggling financially.
I'm actively fixing my credit report with a counselor. I'm following all the rules by 3 credit bureaus. 
EXPERIAN confirms getting my ID information which they asked for but then won't allow me to dispute any info and keeps asking me to verify my identity AGAIN by sending them the same info I already did OVER AND OVER EVERY 2 MONTHS!! 

It WON'T LET ME UPLOAD ID INFO TO THEM VIA THEIR WEBSITE EVEN WHEN THEY SAY I CAN AND PROVIDE THE WEBSITE PORTAL .. -- doesn't work at all ... ..they WON'T LE ME EMAIL IT. 
I send it to them via snail mail & certified mail, THEY CONFIRM they got it but then when I FILE A DISPUTE & SEND THEM THE PROOF their response is to ask me for my ID/verify MY ID AGAIN.! 
I CANT REACH THEM BY PHONE I CANT CONTACT THEM VIA EMAIL THEY DON'T RESPOND ONLY ASK FOR ME TO VERIFY MY IDENTITY BY SENDING THEM the same info I ALREADY DID the prior month. I CAN'T EVEN FREEZE MY ACCOUNT CANT GET THEM REMOVE ANYTHING ON IT NOR GET THE SCORE UP B/C OF THIS CYCLE OF MADNESS IN VERIFYING MY IDENTITY FOR MONTHS ON END.
Resurgent Capital Services collected a debt that has been disputed SEVERAL times with CFPB ; see account # XXXX. 

Resurgent Capital Services filed a claim in or around XX/XX/XXXX in amount {$8200.00} in United States Bankruptcy county under XXXX. A Proof of Claim Objection was file with honorable judge XXXX XXXX and hearing date was set for XX/XX/XXXX, however on XX/XX/XXXX Resurgent Capital Services submitted a WITHDRAWAL OF CLAIM.
XXXX is refusing to prove in writing, their validation and verification process on closed accounts that they are reported as " failure to pay ". 
Accounts are closed and not from the original creditors. 
Amounts are incorrect and not the original amount owed. 
Accounts are showing inaccurate non-payments. 
All addresses except : XXXX XXXX XXXX XXXX, CA. XXXX are to be removed All Hard Inquiries except XXXX XXXX were NOT approved by me.
My fiance and I applied for an apartment at   XXXX   XXXX    XXXX   XXXX   XXXX , TX back in  XXXX    XXXX  . He was there for about three months when he was asked to leave. The apartment agreed to take partial rent payments in order for him to catch up because he was an out of the state  XXXX  living in  XXXX  on his own. He was in the process of getting his income in order to to give full payment of rent when he was evicted from his residence. The office also informed him that the it would not show up on his credit report. He had less than a week to move out. He had to stay from hotel to hotel until he was able to find a permanent residence.     The amount of {$2700.00} has shown up on both of our credit reports. I feel as if this is in unfair that the office agreed to help him catch up with rent and also told him that they would not report this on our credit reports and they did.     He was not the only person that was affected by this. Many people in the apartment complex were evicted from their homes and were kicked out o n the street.
On XX/XX/2018 a Notice of Sale was posted by the HOA management company, on behalf of Seterus. I  just want to know if it is common for the loan servicing company to have the building management company post the sale notice. Also, the notice was placed on XX/XX/18 with a sale date of XX/XX/18. However, I understood the notice to say that the Notice has to be placed at least 20 days prior to the sale. Is this correct?
During XX/XX/XXXX-XX/XX/XXXX I lost my job and was going through severe financial hardship. I filed a financial hardship letter around XX/XX/XXXX and XXXX XXXX XXXX XXXX acknowledged my financial hardship and restructured my loan for me to make my payments lower. 
I have been on time with payments every month since then, up until and including this month of XX/XX/XXXX. 
As of XX/XX/XXXX, XXXX XXXX XXXX XXXX claims they have no power to remove the late payments due to financial hardship, and said I could file a complaint or converse with the credit bureaus to have this unfortunate mistake removed from my report.
There was a XXXX XXXX XXXX Student Loan which I took out on X/XX/2013, which was paid in full. 

Status : Paid in Full Owner : XXXX XXXX. XXXX XXXX. 
Grantor : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX This account which is paid in full and closed is incorrectly reported as Delinquent and 120 days late through Equifax.
XXXX XXXX XXXX XXXX Account Number : XXXX Dates : XX/XX/XXXX I've disputed this account over and over saying it is not my account and requesting that they provide me proof or remove it. 

XXXX XXXX Account Number : XXXX Dates : XX/XX/XXXX I've disputed this account over and over saying it is not my account and requesting that they provide me proof or remove it. 

XXXX XXXX XXXX Account Number : XXXX Dates : XX/XX/XXXX I've disputed this account over and over saying it is not my account and requesting that they provide me proof or remove it. 

XXXX XXXX XXXX XXXX Account Number : XXXX Dates : XX/XX/XXXX I've disputed this account over and over saying it is not my account and requesting that they provide me proof or remove it. 

XXXX XXXX XXXX Account Number : XXXX Dates : XX/XX/XXXX I've disputed this account over and over saying it is not my account and requesting that they provide me proof or remove it. 

XXXX XXXX XXXX Account Number : XXXX Dates : XX/XX/XXXX I've disputed this account over and over saying it is not my account and requesting that they provide me proof or remove it. 

XXXX XXXX XXXX XXXX Account Number : XXXX Dates : XX/XX/XXXX This account was never late. I've have disputed this with this company time and time again. Now this account has been paid off completely and it is still showing up negatively on my report. This is not fair.
Select Portfolio has the correct address for me. I have notified Select Portfolio of my new address ( or addresses ) pursuant to the Select Portfolio 's requirements for receiving a notice of a change of address.They allegedly sold their servicing rights on XXXX XXXX, XXXX. Select Portfolio did not follow the law regarding sending a notice of transfer 15 days prior to date of transfer. ( See 12 C.F.R. 1024.33 ( b ), and CFPB Bulletin XXXX, Date : XXXX XXXX, XXXX, Subject : Compliance Bulletin and Policy Guidance : Mortgage Servicing Transfers )
Any cards with XXXX XXXX are not mine. As of XXXX 2003, I was divorced. These belong to XXXX XXXX XXXX of XXXX, XXXX.
on two separate occasions a company identified itself as Wakefield & associates contacted my fiance and disclosed that i had a medial debt with them. They did properly verify who he was. I believe this is a violation of the FDCPA 3rd party disclosure laws and maybe even a Hippa violation. The calls were placed on XX/XX/2017 and XX/XX/2017. to pone # XXXX
in XX/XX/XXXX i went to XXXX XXXX XXXX XXXX to open an account to deposit funds i was going to use to repair my house, and when the teller said to me i could get a credit card i said i was not interested in a credit card them i did not think anything of it so i went on and few days later i notice a inquire on my credit report i ask XXXX XXXX XXXX and they gave me some kind of mumbo gumbo so I let it slide and then XX/XX/XXXX i had a hurricane damage to my house so i had FEMA flood insurance they took care of the part iwas in insured for and they told me i had to file a claim with my insurance company for the other damages to my house so I did they did not pay enough for all the damages I contact fema and told me to fill out a small business loan i told them i did not want a loan they said that was a procedure and that would not have to start the loan process and i for got about it until i seem and inquiry on my report and i call equifax and they said it was the USDA i call them and they said they did not do it so Equifax lied they were trying to get me to get a mortgage loan and i said i did not apply for a loan and they have not did anything yet
I have visa credit for 6 yr never mists any payment the problem is my name Im a man and my name XXXX XXXX the keeps asking me to verify account info. ... Everytime I input my credit card info and press enter it gos back to ... Every time it asks for verification, it 's like all my address information, plus my .... Go into bank and show my ID
I was charged 1 % over the fixed rate of a conventional loan for XXXX years. The bank provided me with the apology letter but did not add the money that they drafted out of my account as a principal payment. Since this was a XXXX XXXX dollar loan the 1 % over XXXX years was damaging to my financial stability and almost lost all my investment. I have refinanced the loan with a different bank now but at closing we disagreed with payoff amount.
In XXXX of this year, I filed a complaint with XXXX  regarding a fraudulent charge on my Chase XXXX card. As a brief aside, the charge originated in XXXX of this year. I disputed this charge with Chase in XXXX and they rejected the dispute in XXXX. I appealed their decision as I had a receipt. Another month elapsed without meaningful progress or a coherent explanation for the rejection, so I filed a complaint with XXXX. Days later Chase accepts my appeal and permanently credit my account for the difference between the receipt and the charged amount. Before I can retract the complaint with XXXX, I find out Chase has closed the XXXX account and XXXX has removed the account entirely from my credit report. Chase argued this was my fault because I indicated the credit line itself was fraudulent. As you can see from my documentation, this is not correct. I have spent the summer speaking with the Chase employees below trying to reopen the account and restore the lost chase ultimate rewards points. I'm here because I think they are truly powerless to make this right but have resisted pushing this issue to someone who can fix. At one point, I gave up on this and simply tried to reapply for the card. The system wouldn't accept my application because it is still showing up on my account. The following is a list of people at Chase who I've spoken to this summer. 

XXXX XXXX ext XXXX XXXX XXXX ext XXXX XXXX XXXX ext XXXX XXXX XXXX ext XXXX
I went to XXXX XXXX XXXX XXXX with the promise of helping with job placement and have n't heard anything and I graduated 6 years ago. They 've never called for my certification testing or anything. Now my loan is in default because I have no way to pay for it.