WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX 2017 I received an attractive offer for a Chase - Southwest Airlines credit card. The offer said I would receive {$100.00} credit, plus XXXX points in my Southwest frequent flyer account. I applied for the card, but Chase rejected my application. The rejection letter, dated XXXX XXXX 2017, stated Too many credit cards opened in the last two years associated with you ( please see the first page of the attached document ). On XXXX XXXX 2017 I called Chase and complained about it. I was told the decision couldnt be reversed. On XXXX XXXX 2017 I called Chase again and asked How many credit cards opened in two years is too many? The agent failed to answer my question. Ironically, on XXXX XXXX 2017, shortly after my credit card application was denied, I got an offer from Chase for a home equity line of credit ( please see the second page of the attachment ). That clearly shows that Chase considered I was a reliable customer. In addition, at the time my application was rejected I had two Chase credit cards. Both were always paid in full ( I had autopay set up ). Last but not least, I have an excellent credit score. My honest opinion is that Chase bank declined my application because it did not want to honor the bonuses.
I recently discovered today which is XX/XX/XXXX that I have a credit collections bill from a medical bill that was issued in XX/XX/XXXX with a balance of XXXX dollars.I discovered this by checking on my XXXX XXXX. I called the credit collections ( amcol XXXX sc ) and spoke to customer service said they have called which they have n't. I never received a bill in the mail by collections or XXXX XXXX in regards of having a overdue bill. I called the XXXX XXXX in XXXX north Carolina billing department to see the details of bill, the lady on the phone could not give me any information because the bill was 3 years ago. So I decided to call the head of billing and they said they would mail me the billing information that would come in a day or two.but I am certain that I have already paid the ramander of the bill since I did not have insurance at the time. I want to make sure everything is right before I have to pay for something I already taken care of years ago.
There is incomplete, outdated, and incorrect information reported on accounts that are reporting on my credit report. The accounts are : XXXX. I have requested these accounts to be deleted due to the violation of FCRA. I submitted this request XX/XX/XXXX2016.
In early XXXX I cancelled my automatic payment for XXXX. Citifinancial does not dispute this.However, they neglected to cancel the payment, causing me a XXXX charge. To compound the issue, they redeposited the payment despite me calling them at the end of XXXX to complain about their ineptness and causing me a great deal of stress and embarrassment.Now it has caused me XXXX which they refuse to reimburse unless I fax a bank statement showing these charges. I have no available fax machine nor should I be forced to pay additional money for their stupidity.I told them to call my credit union to verify a returned check fee. They refused.I 've had to deal with a great deal of XXXX, XXXX and embarressment because these people ca n't do their jobs correctly.Fortunately, all my checks cleared before this ET got to my account or it would have been a tremendous mess, which again, caused me great stress.
XXXX XXXX  wrongfully applied the annually-recalculated, monthly Revised Pay As You Earn ( REPAYE ) payment for my student loan. As I am in repayment and on the REPAYE payment plan, I should make 12 monthly payments before my payment is recalculated. XXXX applied the newly recalculated payment amount for this year one month early. Instead of 12 monthly payments at the old payment amount, I made only 11. When I called XXXX and brought this to their attention, XXXX said they would look into it. That was over two months ago and I still haven't heard from them. By wrongfully applying recalculated amounts early, XXXX is in effect overcharging student loan holders. Correctly handling student loan accounts should be XXXX 's foremost priority. It appears to me XXXX is failing in handling this responsibility. Please look into this for me. Thank you.
In XX/XX/2017 I used XXXX  's service to get credit reports from XXXX, XXXX and XXXX. I noticed that there was a 'negative ' account being reported. The account in question was a Wells Fargo line of credit for {$20000.00} that had a status of " Late 30 Days '', even though the account has a balance of {$0.00} and is closed. I contacted Wells Fargo and their analyst agreed it was incorrect and said she would work to get it corrected. I also opened disputes with all 3 credit bureaus. I thought the issue was resolved, but I just ordered new credit reports, and the account is still in " Late 30 Days '' status. This status has been a negative attribute on my credit report for over 2 years, I have followed the prescribed procedures, waited the 30 days the bank has by law to respond, and they have not corrected the problem. Just to be crystal clear, because the Wells analysts were confused on this point before I escalated : there were several periods over the life of the loan where it was 30 days late, but the CURRENT STATUS is PAID OFF with a BALANCE OF {$0.00}, which means that THE CURRENT STATUS CAN NOT POSSIBLY BE 30 DAYS LATE.
On XXXX XXXX Someone used my debit card info to transfer funds from my checking account through Western Union in amount of {$870.00}. Same day did same thing for {$910.00}, but the later was cancelled. It was supposedly sent to my son in another state. I know my son did not receive this money. Whoever did this also put another telephone # in place of mine, but had my sons info correct. ( from prior, legit transfers ) I'm assuming. I called my financial institution to report the fraud and currently their is a claim on file. I called Western union, by advise from my bank on XX/XX/18. They took my info and tracking # 's, gave me a case file # and told me to call proper authorities to get this investigated, with their full cooperation. W/U also told me {$910.00} was not taken, but {$870.00} was already picked up from receiver. Because of this, my acct. was overdrawn by over {$700.00}. However, by XX/XX/18. my account was back to the original amount, due to W/U denying the later transaction of {$870.00}. I have since gotten new debit card and changed my pin. I am afraid this can happen again, seemingly since it was so easy the first time.
the payment books ( 2 ) the payments was {$290.00}. I paid {$300.00}. every month the last page was blank that was # XXXX. went to insurance office for help finally walled the bank they said mail copy of payments the last payment was {$420.00} it looks like a ripoff to me. the bank state farm also gave me the third degree when I called never any problems with other banks
We asked them to remove my sisters accounts off of my credit report because they were not mine. I am in jeopardy of losing my property and earnest money due to waiting almost more then a month for a response with no response back yet. I have continuously contacted them to get this resolved and they continuously just keep blowing me off and telling me to wait
Requested on several occasions they remove incorrect information on my report. These are the dates and corresponding report numbers. 
Report # XXXX, dated XX/XX/XXXX ; report # XXXX dated XX/XX/XXXX ;  report # XXXX dated XX/XX/XXXX ; report # XXXX dated XX/XX/XXXX ; report # XXXX dated XX/XX/XXXX ; report # XXXX. I 've attached the USPS certified mail stamps.
I have tried to get the escrow account for property taxes and insurance closed since XXXX, beginning with verbal requests of XXXX Bank. As shown in the attached correspondence, the Bank has agreed in principle to close the account and remit the balance to me with my agreement to pay all future taxes and insurance. However, they stipulate that I must pay them a fee. It is my position that I do not owe them any fee to get my own money returned to my control. The documents attached show that Citizen 's contends that I benefitted monetarily by agreeing to the escrow account. However, they can provide no documentation to prove that claim, nor do they have any document showing my recognition of such a claim.
XX/XX/XXXX I received XXXX 's credit card in the mail at my XXXX address, account ending # XXXX. I reported identity theft to XXXX 's - XXXX XXXX XXXX. XXXX 's processed claim to close card. I received letter dated XX/XX/XXXX to my previous address in XXXX XXXX, IL XXXX that I had applied for XXXX 's credit card - XXXX  XXXX XXXX Ref ending # XXXX. I contacted XX/XX/XXXX to report identity theft. I received another letter dated XX/XX/XXXX to my previous XXXX XXXX address that I had applied for XXXX XXXX XXXX credit card -XXXX XXXX Ref # ending XXXX. I contacted XXXX XXXX on XX/XX/XXXX to report identity theft. XX/XX/XXXX Called XXXX XXXX to report identity theft on XXXX XXXX XXXX credit card inquire ref # ending XXXX. XX/XX/XXXX pulled credit report, submitted fraud alerts with all 3 credit agencies, submitted Police Report and Identity Theft Report to Federal Trade Commission. XX/XX/XXXX Submitted extended fraud alerts via mail request and mailed dispute requests to credit card companies and credit agencies.
On XX/XX/2018 I have applied for a capital one quick silver card and got denied due to Derogatory marks in the past which were due to Financial Hardship in the past which were over 12 months ago. And presently I have has a job and have been paying off my balances slowly and been making a 100 % on time payments. I have been in good standing and would like to have capital one reconsider my application and I would be the perfect client for the company and wont let them down at all.
I recently reviewed my credit report and noticed multiple inaccuracies. There were several unauthorized inquiries that alarmed me. I immediately contacted Transunion, in part, because I have been a victim of identify theft in the past and also because I was affected by XXXX data breach last year. Transunion was not helpful and requested I file a complaint with CFPB or provide an Identity Theft Affidavit. I am choosing to do both and expect a quick remedy to this issue. I would also like to add a 90 day security/ fraud alert to my file. The following inquiries are unauthorized and I would like to dispute and have them removed from my credit report ASAP : XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX  on XX/XX/XXXX XXXX on XX/XX/XXXX XX/XX/XXXX
All 3 credit bureaus are reporting unauthorized credit inquiries which I have attempted to dispute online with no results. Upon noticing the unauthorized inquiries, I immediately placed a temporary fraud alert on all reports. I would like these false inquiries removed from all 3 reports. 

XXXX XXXX XXXX XXXX XXXX  XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX EQ : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
I preface this by conceding that that automated selections during the complaint process may not be exact to this issue, but perhaps best represent my concerns. 

- On XX/XX/18, I purchased four ( 4 ) tickets for the XX/XX/18 XXXX XXXX concert at XXXX XXXX for an all-in cost of {$690.00}. Subsequently, it was decided that we would not be able to use these tickets ; and so we listed the tickets for sale, ultimately at a loss. 
- The night before the concert ( XX/XX/18 ), we received an inquiry regarding the four ( 4 ) tickets, and agreed via text message ( with buyer at XXXX ) to sell for {$500.00} ( {$120.00} per ticket ). Funds were received ( {$510.00} gross sent ; {$490.00} net received ) via PayPal and tickets were sent to the email address provided ( XXXX ). 
- Nearly two weeks after the transaction, the buyer disputed the charges through their financial institution, which disputed with PayPal. PayPal deducted {$530.00} from our PayPal account ( {$510.00} + {$20.00} penalty ; thus, charging us also for the fees previously paid by the buyer ). 
- Upon notification, we provided evidence of the text messages and copy of the sent email to PayPal. On XX/XX/18, PayPal notified us that they would dispute with the buyers financial institution on our behalf, a process that could take up to 75 days. 
- While still within the 75-day timeline ( which ends XX/XX/18 ), we received a letter from XXXX XXXX XXXX XXXX, dated XX/XX/18, that PayPal sent our balance to collections. We never received notification from PayPal that our account would be sent to collections ; and this remains in open dispute as confirmed via telephone with PayPal on XX/XX/18. 
- More detailed outline is provided further below.
Just filed for a bankruptcy and I got a discharged but some accounts do not show that they are in bankruptcy.
Calling at least five times a day. Today they are calling every XXXX to 1.5 hrs. Have told them I am filing bankruptcy and to contact my attorney. Still harrassing me.
I missed a payment and was assessed a late fee and interest charge to my credit card account by Citibank. Currently, I have a family member with an illness. I apologize for any inconvenience but would like to remain a loyal customer of Citibank and Citi credit cards. I have been a loyal cardholder for 6 years and have made a mistake and it will not happen again. To ensure this, I have authorized Citibank to make a withdrawal from my account every month on the statement due date on the occasion that I do not proactively manage a payment.
I recently came across an account reported by a collections agent XXXX XXXX account number unknown reporting an inaccurate balance for the end of a lease contract. The creditor has added inaccurate charges and states that I have an account balance. This companies practices to withhold deposits anc claim fraudulent balances after the end of the rental contract. 
I am unaware of any damages to the property after the walk through at the end of the lease and I do not owe any outstanding debts. 
I do not agree with the balance reported as owed and I am fighting these fraudulently added charges that are reporting on my 3 bureau reports and I ask for the assistance of the CFPB with accessing documents from this company to include all the disclosure and complete accounting record of alleged debt ; agreement with your client that grants you the authority to collect on this alleged debt ; any insurance claims that has been made by anyb creditor rgarding this account ; date that this alleged debt became payable ; this. I ask that the company provide proof of non payment and images of the damages pertaining to the leased unit. Please be warned XXXX XXXX that failure to provide proof of your claim required to enable me to continue and to complete this dispute my next step will be to file this complaint in my county courts for : 1. defarmation 2. negligent enablement of Identity Fraud 3.  Violation of the Fair Debt Collections Practices Act Iincluding but not limited to section 807-8 4. Violation of the Fair Credit Reporting Act including but limited to section 623-b
I received a phone call/voice mail from  XXXX  at Weinman Acquisition Group, she identified herself as working fo r th  e county,   the voicemail stated there are legal documents pertaining to my social security number that I need to sign and failure to do so would result in a court appearance on my behalf without me being present. I returned the call and they would not tell me what it was pertaining to and they hung up.
I was referred t o Santander Bank  by a friend and they were offering a  XXXX  for referring a friend to their bank. Also in the mail I received a promotion that if I opened an account they would deposit  XXXX  within 90 days of account opening. The account was opened on  XXXX / XXXX / 2017 . Within 90 days you needed to have a direct deposit of  XXXX  or more and within  3 we eks of the account being opened, a  XXXX  direct deposit was made which satisfied this offer. About 70 days from account being opened I received a  XXXX  gift card since my friend referred me. Now this was something you do on a website and they system notices an account was opened. When I opened the checking account, the banker placed the offer code in for the  XXXX . I recently called the branch and they said you could use both offers which I never was asked which one I wanted. This seems like a scan to bring in business and they you do not get what they promised.
Opened on XX/XX/XXXX, a saving account online. Online application went to pending contingent on receipt of account being funded. Check mailed to fund account XX/XX/XXXX. To date have not received any correspondence or notification of account opening. Attempted on XX/XX/XXXX, to initiate chat to determine account status, including providing all requested details, and chat agent ended chat prematurely. Also attempted to call to determine status of account and was placed on a continuous hold.
I have been in a dispute process since XX/XX/2017. The law has not been followed, instead broken, by the credit bureaus while the paying creditors have unlawfully submitted entries on my credit profile without my consent. The law clearly states that my original signature on an original creditors agreement is the only proof that can be provided showing my permission to access and report payment activity. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately. 
The disputed XXXX XXXX XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX XXXX XXXX XXXX   account number XXXX and XXXX XXXX XXXX account number XXXX and XXXX XXXX XXXX account number XXXX have not provided the documentation that is required by law showing my original signature. Equifax, XXXX, and XXXX are not in compliance with the above referenced laws therefore I demand full removal of these accounts as well.
I have disputed inaccurate personal information and inaccurate accounts on my credit file with Experian. They will not provide me with method of verification per FCRA Section 611 ( a ) ( 7 ). They just tell me in a letter " verified, '' which under the FCRA is not sufficient. They continue to ignore my requests and are not completing the requirements per FCRA to furnish such records.
I have filed a dispute due to the inaccurate information on my credit report as reported by Pinnacle Credit Services. I never received a response back concerning the account. The item listed by Pinnacle has missing information such as the proper open account date. The OPEN DATE is in direct conflict with the Date of last activity. This account is in error and should be removed from all XXXX credit bureaus. The account number is XXXX.
the policy with XXXX was never renewed due the fact of the changes on the policy. The representative of XXXX on XXXX in he city of XXXX XXXX XXXX, XXXX XXXX tripled the policy amount by including under my insurance persons I did not know and never met. This was brought to the attention of the representative as soon as XX/XX/XXXX. After the disagreement several changes were made with which did not agree still. 
After that phone communication with XXXX 's NEW assistant I walked in the office to let tem know what I did not wish to have them as my agents any further and that I was shopping other places for insurance. as a matter of fact I am insured now under XXXX and when XXXX representative XXXX XXXX fond out that I got insured Though XXXX send a false bill to TSI. Note I received the debtor 's false collection only days ago, XX/XX/XXXX.XXXX should be ashamed of being represented by thieves. 
this claim can be supported by e-mail contacts between myself under XXXXXXXXXXXX and XXXXXXXXXXXX. That might be the reason why the representative did not include the electronic communication. 

respectfully, XXXX XXXX XXXX XXXX, XXXX MI XXXX XXXX XXXX
My boyfriend left me back in XX/XX/XXXX. I was full-time employed at the time, but fighting to keep my job due a discrimanation case against my employer. My account was XXXX payments beyond during that time, and my lender refused to accept any of my payments. I tried making a total of XXXX full payments every XXXX weeks, and each time the payments were returned back to my checking account. I spoke to a rep and they advised that if I did not make XXXX out of the XXXX payments, the loan would be foreclosed on. So I attempted to take the money out of my XXXX. I received the check to cover the XXXX payments, and I called the lender to workout arrangements for a XXXX time. They agreed to give me the options to gradually get caught up,, and advised that the first payment would need to be around XXXX to start the plan. I said ok, I have the funds, just waiting on the money to clear. XXXX days later I called back to make the payment, but to find out, the account was sent to Foreclosure and that XXXX was needed to bring the account current. In XX/XX/XXXX I completed the loss mitigation packages. I was hoping for some relief, but then I was denied. They claimed I 've already received help from a company called XXXX in XX/XX/2016, and that my debit to income ration indicted, that I would still be struggling to make payments after a repayment plan. It also stated that because I was still working, I was not eligible for any assistance. So in order for them to help me. I would need to be jobless. ( Stupid right? ) In XX/XX/XXXX, I lost my job and re appealed. 
Finally, I was offere a forbearance plan at XXXX a month, for the next XXXX months. In the meantime, I 've received a lump some of money to bring the account current and was told by XXXX, a XXXX at Dovenmule. That If I did that, He would bring my account current and give me the option to gradually get caught up on the attorney fee 's. I called back to set up the arrangement with him. But he song a different tune, and told me to call the attorney, their was nothing he could do .Working with this company has only proven to me that they really do n't care about helping the consumers save their home .I feel like I 'm being forced to lose my home and its really sad to go through this. Also, I 've received a total of XXXX reinstatement letters from the attorney, and the first XXXX letters, the attorney fees were XXXX. When I requested the XXXX XXXX, the fee 's jumped up to XXXX on top of my delinquent amount .Which their stating I now have to pay XXXX to bring the account out of foreclosure. When I should be around {$7800.00}. I 'm not sure why there charging me extra fee 's, when the loan is suppose to be on hold due to the Modification process. 
I cant win! I suffer from XXXX. I need your help. 
I would like my loan brought current and out of foreclosure. I would like a mod if possible with a fresh start. Or all the attorney fee 's waived and given the opportunity to bring my account current without the fee 's