WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, I sent a letter to XXXX ( see Attached ) requesting for them to correct the errors on my credit report, AND to provide me with a validation document bearing my signature. There are several serious errors reported by XXXX XXXX and XXXX XXXX XXXX/XXXX ( All account numbers listed on my report ). XXXX send me a response stating they will not re-investigate these items. On XX/XX/XXXX, I sent a 2nd letter to XXXX to requesting for them to correct my report and to provide me with the a copy of the original document I signed, as well as their verification method. I also requested for them to give me the name, address, and telephone number of the verifying party. XXXX again, replied with the same letter stating that they would not re-investigate. As per the FCRA I am entitled to be provided with documentation from the credit reporting agency, bearing my signature, to validate the debt. Furthermore, this request is supported by XXXX v. Trans Union Corp., No XXXX ( XXXX XX/XX/XXXX ). <P/>I believe that XXXX should not be able to use " Bully '' tactics and hold consumers at bay from receiving lower cost financing. As you can see by the attached, I am having the same exact problem with Trans Union and XXXX.
I inquired about a studio apartment rental in downtown XXXX listed on XXXX. It did n't have the usual scam signs and seemed legitimate. Friends agreed it seemed ok. I was asked to secure my rental with a {$500.00} security deposit, the month 's rent of {$1400.00} and a cleaning fee of {$100.00}. I was sent a lease to sign and the above bank info to send the money. Then they barely responded to my emails as my arrival drew closer. This concenened me as I prepared my departure from the East Coast, headed to XXXX. When I arrived, no one showed up at the apartment and have not heard a word since. I called the XXXX police who referred me to this sight. I have contacted XXXX and " prohibited '' the post. The man 's name was XXXX XXXX XXXX and his email was XXXX His phone number was XXXX. Posting : XXXX XXXX XXXX I  have also since been texted by this person and was advised to block them which I did.
I have been disputing an unauthorized bank money transfer with XXXX XXXX ( Comerica Bank ) for the amount of {$1900.00} since XXXX of 2017. I never lost or allowed anyone to use my debit card or shared my account information. As soon as I discovered the unauthorized money transfer, I requested a replacement card and filed my first formal written dispute. 

This is a financial institution that was automatically selected for me to receive my monthly veteran 's XXXX compensation. I have filed ( XXXX ) separate formal dispute letters. Every time I keep getting a letter back from them that reads after investigating my allegation they determined the transaction " never occurred. '' This is extremely frustrating since I have spent countless hours on hold and getting disconnected many times. I have also spoken to service representative who agree that I have a claim and " managers '' have also agreed that it was an oversight from their Dispute Resolution Center. These telephone calls are all supposed to be recorded by them. 

I have all the paperwork to prove my claim. Last year I switched my veteran 's XXXX benefits to another bank. Any guidance you could provide on how to resolve this issue will be greatly appreciated.
I applied the Citigold checking account XXXX XXXX by signing up for its promotion offer - a bonus of XXXX miles upon fulfilling its requirements. 

1. One day after I opened the account, I called Citigold customer service, the rep confirmed that I was indeed signed up for the promotion. 
2. In XXXX XXXX, upon completing the requirements for the promotion, I emailed Citigold customer service again. I soon received the following confirmation email that I indeed completed all requirements. 

" From : XXXX XXXX XXXX Date : XXXX Account Number : Interest Checking XXXX Subject : Re : Promotional Offer Reference : XXXX Dear XXXX XXXX, Welcome to Citigold, my name is XXXX. It would be my pleasure to review your promotion completion status. 

I am glad to confirm that you have completed all requirements for offer code XXXX and the XXXX bonus miles will be credited by Citibank to your XXXX account within 90 days from the end of the statement period in which you complete all offer requirements. Your 90 day waiting period will begin at the end of XXXX. Please keep in mind this waiting period is standard for all promotions and can not be waived. " However, five months later, I contacted the customer service again asking why no miles were posted to my account. I was told that I ca n't get the miles because I was not on their initial target list. 

I said I would be OK with the new decision if Citibank was willing to refund me the {$60.00} Citigold service fee I was recently charged. I would have not opened the Citigold and paid the fee if it was not for the multiple confirmations from their customer service. 

Citibank replied with refusal to refund the fee, and re-affirmed the refusal to honor the promotion I signed up for, despite what their reps confirmed in the past.
USBankcorp issues the XXXX card, which part of the benefits they provide for the varying Annual Fee is a Bonus Award Night on any award stay of 2 nights or more. Today, XXXX XXXX, USBank and XXXX XXXX have removed that benefit effective XXXX XXXX, though their XXXX website is still showing this as a benefit of the card. 

I recently applied for the card and was approved on XXXX XXXX, I applied specifically because of this benefit and will not actually be able to receive the benefit that was offered as it takes USBank and XXXX 4-8 weeks from the time of the account opening to give the initial bonus points on sign-up and consumers are given 90 days to earn the additional bonus points, this is beyond the less than 2 months notice provided by the card of the change. 

I contacted USBank to ask them if they were waiving the Annual Fee or pro-rating the Annual fee due to this significant change to the product ; I was told that they will not. 

This amounts to bait & switch, both companies advertised a product with specific benefits to get me to sign up for this credit card ( a product they are still advertising with no notice the benefit will end on XXXX XXXX, which shows intent to defraud customers while continuing to gain new applications ), have a Credit Report pulled ( which stays on my credit for 2 years ) and then shortly there after, removed the advertised benefit while still expecting me to pay for the new lesser product which I am not interested in.
I received a call from my banker advising that my home equity line of credit payment would be increasing from interest only payments to 2 % of the balance effective XXXX XXXX. around XXXX XXXX due to a drop in my credit score. The following week I received a letter from the bank confirming the above mentioned. I ask the banker to see if I could retain the interest only status until I could examine what caused the drop in my credit score.  Approximately 2 days later I was advised there would be no change in the actions taken. 
XXXX XXXX I sent a certified letter to the financial institution advising the effect and impact of raising my payment from {$190.00} to {$570.00}. The scheduled payments had never been late or missed. In addition to increasing my APR and payment on the line of credit my XXXX was also shut down and the APR increased, neither payment has never been late since inception. I did receive a response but not from the certified letter. The response stated that the bank exercised a clause allegedly in the HELOC that they did n't provide a copy of. This harsh unexpected increase will at some point send the products into default. The response went on to say the decision was n't because of late payments but rather an overall review of my credit report provided by the credit reporting agency XXXX. I did not authorize a review of my credit nor was it covered in the disclosures ( Unfair Deceptive Practices ) that a periodic review would be conducted that would grossly impact my ability to pay. In addition to the payment increase the rate was increased and as stated the accounts had never been late. Please help, I have confirmation of registered mail copies of the letters etc. Thanks
Purchased condo XX/XX/XXXX for {$220000.00}. Initial Mortgage : {$210000.00}. 
80 % XXXX {$170000.00} XXXX - principal down to {$170000.00} as of XX/XX/XXXX. 
78 % XXXX {$170000.00} XXXX - principal down to {$170000.00} as of XX/XX/XXXX. 
Current Principal Balance : {$170000.00} as of XX/XX/XXXX I contacted Dovenmuehle Mortgage after making the large payment XXXX {$35000.00} XXXX, which was credited to the account on XX/XX/XXXX. I was below the 80 %. I was told I would need to pay for an appraisal before the PMI would be taken off. I was recently told the appraisal completed as part of the purchase of the condo was to be good for 3 months. 

As of XX/XX/XXXX, the mortgage principal reduced to {$170000.00} which is below 78 % of the original value of the condo. I have been current on my payments. Dovenmuehle Mortgage continues to charge me the {$72.00} per month for the PMI. 

I contacted Dovenmuehle Mortgage Co on XX/XX/XXXX, they will not cancel the PMI until I pay the appraisal fee ( {$420.00} ). They want confirmation the value of the condo has not reduced. In the last 6 months I put in close to {$100000.00} in renovations. You better believe the value is more than {$220000.00}. 

Based on federal law, the servicer must automatically terminate PMI on the date when the principal balance is scheduled to reach 78 % of the original value of the home, which was XX/XX/XXXX.
I currently have Rushmore, ore Loan Servicing as the lender for my mortgage. I have receive several conflicting reports about my mortgage payments. I am currently up to date on my monthly payment s.. Payments have been sent and returned to me and additional late fee applied. This has occurred on more than XXXX occasion. Request for a loan modification application have not been sent. I have most recently received a letter with an intent to foreclose. I like to have my account current and maintain monthly payment as to such time I have paid the loan off.
I definitely understand the importance of good credit and being a responsible person. During the year 2017, I experienced some health problems that caused me to missed several days, even weeks of work. That lead to getting behind on bills and payments. I contacted XXXX to explain the situation. After several months of treatments and doctors, I am able to get my situation back on track. All I asked for in the GoodWill letter that I faxed to them was to excuse 4 late payments, since out of the 2 years prior I had not been late and now the last 4 months been current or before time. I am the only one employed in our household and everything falls to my shoulders.
I have sent numerous letters to XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX, WI XXXX. Requesting VALIDATION LETTERS, showing my wet ink signature, that I have agreed to pay XXXX XXXX XXXX, XXXX for this alleged debt they say I owe them. They have failed to provide me with anything other than a copy of the agreement I had with the original creditor. They are reporting this alleged debt to TransUnion, showing it in " Collections " and in the " Remarks '' section, it says, [ TransUnion ], Account information disputed by consumer, meets FCRA requirements. 
My complaint is that XXXX XXXX XXXX, XXXX has failed to provide any validation that I have requested in the numerous letters that I have sent them.So, how can it meet FCRA requirements?? 
I have asked for the following:1 ) The original Credit Agreement that I have with XXXX XXXX XXXX , XXXX XXXX with my wet ink signature on it. THEY HAVE FAILED TO PROVIDE2 ) Proof that the debt has not been " wrote off '' to an insurance company and claimed as a " business loss '' or redeemed through an insurance claim by the original creditor. THEY HAVE FAILED TO PROVIDE3 ) Proof that this debt was not sold to their agency for a lesser amount, and if so what that amount was for. THEY HAVE FAILED TO PROVIDE. 
4 ) Their agencies license to lawfully and legally collect debt in Minnesota. THEY HAVE FAILED TO PROVIDE. 
5 ) Validation of the alleged debt, ( the actual accounting showing a loss to their agency ). 
THEY HAVE FAILED TO PROVIDE Since they have failed to provide any of the above information, yet XXXX, XXXX is still reporting it to TransUnion, along with the remark by TransUnion that it is being disputed but still meets FCRA requirements, I feel that this is in violation of the FCRA, the FDCPA and also Violation of U.S.C. title 18 Section 872, attempts to extort and Violation of U.S.C. title 18 Section 1341, 1342, Fraud and Swindles clause. I request that this entire negative report be immediately and permanently deleted from my credit report. 
They have Attorney XXXX XXXX from XXXX XXXX XXXX, XXXX representing XXXX XXXX XXXX , XXXX and I have also written to him with no further response.
Chase bank closed my account and did not return over {$2000.00} that was on my account.
Dear Sir or Madam : I am writing to dispute the following information in my file. Below you will find description of the item on my credit report I am disputing. 

This item Account paid in Full ; was a Charge-off reported by XXXX XXXX XXXX # XXXX is inaccurate and incorrect as you can see on the attached letter dated X/XX/2016 which states : XXXX XXXX XXXX XXXX recognizes the above referenced account as paid in full on X/XX/2016 The information on my credit report is inaccurately stated and reported by XXXX XXXX XXXX, proof of which is the attached letter sent by said bank regarding my account. 

The inaccuracy has had negative effects on my score and consequently on my relationship with said creditor and others as well. I am requesting that the account be removed. 

Enclosed are copies of the later dated X/XX/2016 by XXXX XXXX XXXX details supporting my position. Please investigate this matter and delete the disputed item as soon as possible. 

Sincerely, XXXX XXXX Attachments : - Item Being disputed ( XXXX ) - Item Being disputed ( XXXX ) - Letter by XXXX XXXX XXXX dated X/XX/2016
I must required XXXX filed XXXX charging complaint against Bank of America in worst unresolved of overdraft, checking, debit, and credit card into their discrimination issues as they made unresolved of my appearances and they do not like me, too escalated much! They do not welcome me remain with debit, checking, and other banking services until move out of state. At worst unresolved complaint - I am not happy with Bank of America people in XXXX, OR at XXXX in downtown, In addition, they do not interest in my appearances and others in their discrimination reasons are all unresolved problems. I escalated complained against Bank of America are all unresolved problem. They made their responsibility hatred against all my appearances must be recorded to U.S. Senators and Speaker XXXX XXXX in enforced cooperation addresses to XXXX for more excessive orders!
I deposited XXXX money orders on XX/XX/XXXX and XXXX money orders on XX/XX/XXXX. I was not notified of a hold on the first deposit until after I already deposited the money orders on XX/XX/XXXX. Apparently, Bank of America believes that one of the money orders from the XX/XX/XXXX deposit is uncollectible and as such has placed an extended hold on that money order, plus all XXXX money orders in the XX/XX/XXXX deposit for no apparent reason. I have attached all of the receipts that should be relevant to this issue. The bank branch has reviewed the physical copies of most of the items and has informed me that they are still unable to release the hold. The hold times are in clear violation of Regulation CC. The hold on the one money order from the XX/XX/XXXX deposit has been released as the hold was apparently set to expire at XXXX on XX/XX/XXXX. The bank has no reason to believe that any of the money orders deposited in the XX/XX/XXXX deposit are uncollectible. They are simply using the second deposit hold to extend the first deposit hold longer than what may be legally allowable if the first deposit was subject to an exception hold. Not only is this a clear violation of the Regulation, it effectively allows the bank to hold funds indefinitely as long as deposits to an account are being made.
On XX/XX/XXXX, I pulled a copy of my credit report from Equifax. There was an account for XXXX contained therein. On XX/XX/XXXX, I wrote to Equifax disputing said alleged account and asked for validation. 

Equifax failed to respond to said dispute within the 30 day time frame. 

On XX/XX/XXXX, I again wrote to Equifax requesting them to immediately delete said item since they did not respond to my XX/XX/XXXX, letter in a timely manner. 

To date, XX/XX/XXXX, the alleged account has never been validated nor has Equifax marked my credit report as being " disputed '' ; although, Equifax continues to report said item.
I have 13 late payments on my car loan with Nissan Motor Acceptance. I was having financial hardship with repaying my loan and fell behind on payments at one point. I have reached out to the company with a goodwill letter in hopes that they would honor it and remove but was unsuccessful and they weren't willing to change the status. i am current and have been for the last 12 months.
Was not informed on the debt I owed or need to pay until it had already been sent to collections. I was only XXXX at the time and had no way of paying it back. was told that I would have a whole XXXX grace period to pay whatever was owed yet I 'm constantly being harassed and my credit is being taken advantage of.
On Saturday XX/XX/XXXX I purchased a sofa from XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, CA XXXX for the amount of {$760.00}. It should be noted that XXXX XXXX XXXX is owned/operated by XXXX XXXX, XXXX. When I purchased the sofa the sales associate charged the purchase to my personal XXXX XXXX  Visa credit card and the sofa was later delivered to my house. I did not open an account with XXXX and I did not finance this sofa. The sofa was paid in full on my own XXXX XXXX  Visa credit card on an account I have had for years. I have the signed credit card receipt as well as a bank statement showing I was charged and completely paid for this sofa. A year and eight months later on Monday, XX/XX/XXXX, I received a notice in the mail dated XX/XX/XXXX from a " collections agency '' stating that I owe Stoneledge Furniture {$760.00}. This collections agency is Merchants Credit Adjusters , Inc. located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In the course of a year and eight months I was never contact by the XXXX XXXX XXXX in XXXX nor XXXX XXXX XXXX. If they had contacted me I would have provided documents demonstrating that the sofa was paid in full. I believe this is fraud on the part of either XXXX XXXX, XXXX XXXX, or Merchants Credit Adjusters to have me pay twice for an item that was already previously charged to my credit card and already paid in full. I argue that somewhere along the line either through an employee at the XXXX XXXX XXXX XXXX or at Merchants Credit Adjusters , Inc that my information was falsely used and they are trying to defraud me for an extra {$760.00}.
I was contacted by by phone by someone at Synchrony Bank regarding my XXXX store card. I did not note the name. After being told about the issue, I asked to be transferred to a supervisor. After holding for quite a while I spoke with XXXX. My payment was due on XXXX. I made a payment for more than the amount due on XXXX. However, that payment was applied to XXXX ( which I had already paid in XXXX prior to the due date ). XXXX indicated the problem would be resolved by speaking with Customer Service. I held again, was transferred, spoke briefly to someone whose name I did not note, and then was disconnected. I then chose the " live chat '' option online, and was told by the representative that they would not be able to adjust my account to indicate that it was paid on time, that it would still show late for XXXX. I find it extremely unreasonable that a payment made prior to the due date can be considered late, and can be reported to the credit bureaus as such.
Hello My name is XXXX XXXX and I am a XXXX born citizen. I have been working for XXXX XXXX XXXX XXXX for over 20 years. 
Wells Fargo and XXXX  XXXX XXXX closed both my checking and savings accounts for no reason what so ever and with no explanation. 

I truly believe they closed my accounts due to my last name -I am being discriminated against!!!
On Friday, XX/XX/XXXX at approximately XXXX EST, I got e-mail alerts stating that three transactions were placed against a PayPal-issued debit card. These transactions authorized bill payments towards XXXX XXXX XXXX ( I am a XXXX customer ), for amounts totaling XXXX, XXXX, and XXXX. I immediately called PayPal 's customer service department to report this fraud, and after being placed on-hold for THREE HOURS, I finally was able to reach a person who could directly work with my debit card account. The card was closed, and they said they placed a fraud alert on my account. However, I did not receive any follow-up e-mails or notifications - as promised - that they were actively investigating the fraud that occurred against my account. After not receiving any correspondence, on Monday, XX/XX/XXXX, I submitted a fax to PayPal 's fraud department detailing the incident as well. ( I also tried contacting PayPal through social media on Friday, XX/XX/XXXX to urgently get a hold of someone with no success ). 

Also on Friday, XX/XX/XXXX ( while on hold with PayPal ), I was able to file an incident report with my local police department in State College, PA reporting the theft. As my PayPal account is linked to my credit union checking account, I faxed a fraud alert to them on Sunday, XX/XX/XXXX. My credit union got a hold of me on Monday and issued stop payments to PayPal.
This debt has been paid in full since XXXX 2012. There is a zero balance for this paid collection. Please remove it from my credit report.
I told XXXXXXXX XXXX XXXX XXXX XXXXXXXX, that this is not my debt.
Wells FargoMy husband is POA for his father who is in a rehab center and is XXXX. He had 3 CD 's due in the month of XXXX which we did not want renewed which where set up for auto renewal. 

XXXX XXXX or XXXX went to the branch and told them we did not want the auto renewal on them. Was told could not do that to the grace period which would start XXXX XXXX and XXXX XXXX. 
Not living in XXXX we returned home to XXXX 
XXXX XXXX call the number of the CD renewal and was told them not to renew. Was told it would be deposited into savings. Why it could not be just changed but waited. 
XXXX XXXX call branch bank and asked why not into savings. Told it takes 3 business days. 
XXXX XXXX called the number on the CD was told it was in process and would show up by Friday XXXX XXXX. 
XXXX XXXX called still not into savings. There shows nothing to stop renewing. Spoke to supervisor and said she will take care of it Monday. XXXX XXXX and call to confirm. 
Monday no call. Cal again on XXXX XXXX and another person would take care of it. But it takes XXXX business days. Well of the 3 CD 's only XXXX were done correctly. Again time on the phone and now with holiday maybe XXXX. 
No one should be put this this incompetent bank routine of infuriating customers and denying them there own money. 

This is {$150000.00} why should someone need to wait to get there own money and the process of stopping the renewal could not be done at anytime. Poor service and customer service. Incompetent
XXXX XXXX XXXX XXXX XXXX has corresponded and called me continuously in reference to a debt they allege I some how owe them and I have never signed a contract with them. So I sent them a letter requesting they verify this alleged debt and they ignored it and are still trying to pursue this alleged debt.
Tried to open an account at creditkarma.com, and it stated that the information that I had entered did not match their records. I have never visited or entered my information on that site before, or any website of that kind.