WillisBack/dataset-financial-user-claim huggingface dataset:
TD Bank is using fraudulent terms to bait people into signing up for their credit card and then not paying them the rewards that they are owed. In XX/XX/XXXX I applied for the TD Easy Rewards credit card. The terms and conditions on the application today are the same as they were back then. They state that for the XXXX 6 months, XXXX earns XXXX points at grocery stores with no cap. It explicitly states that the amount of rewards that one can earn is unlimited. Well, my son and I have a LOT of expenses at grocery stores so this was very attractive for me. I applied, took the credit hit from the inquiry, was approved and added my son as an authorized user. For a few months this card was very beneficial to us due to the amount of expenses that we were earning XXXX points on. But in XXXX, TD Bank decided to implement an unwritten points cap and shut people down who had already earned that many points. They will not admit to this, but from reading the exact same experience from others on online forums, I am positive that this is the case. In XXXX I attempted to log into my account and received an error message. I called and asked about this and they told me that they " periodically did security reviews and I was deemed a risk for fraudulent activity '' blah blah blah, said something about money laundering. XXXX of all, this is absolutely bogus. How can you launder money with your own credit card? Money laundering is done by criminals who have a lot of cash they 've obtained illegally that they want to hide. Who ever heard of laundering money with their own credit card? No one, because its impossible. XXXX, I did absolutely nothing differently than I had been doing the previous months. They made up a reason to close my account because they decided I was n't profitable enough for them. I guess they might have the right to do this, except for the fact that they explicitly stated that there was no cap on the rewards that could be earned! This is classic bait and switch. They are making false promises of unlimited rewards which they have no intention of honoring. When my account was closed I had {$14000.00} in pending charges which would have yielded me {$730.00} in points. This is in addition to all of the points I would have made, if they had left my card open for the promotional period. I demand that they pay out on this. They will claim that their T & Cs state that they do n't have to pay rewards if an account is closed, but this does n't mean they can close an account just to avoid paying the rewards! Again, classic bait and switch! Crook institutions like this are exactly why we need the CFPB. Someone needs to hold these banks accountable!
Today I just found out I lost my wallet, it includes my State ID and couple of bank cards, so here I am, trying to request a free annual credit report from AnnualCreditReport.com, but since a month ago a banker checked my credit score from XXXX and XXXX, and denied me a mortgage loan, I can only apply my free credit report from TransUnion. I start my online request form on AnnualCreditReport.com, everything going OK, until it request me to answer some security questions ( to identify me ). It asked me XXXX questions, the first XXXX matches my identity. But the last XXXX did not match any of the fact I remember. The XXXX question asked me, in which state I obtained my social security number? They put out XXXX names in the answer choice, including my home state ( NY ) as XXXX of the answer, but I clearly remembered I received the card in another state besides NY, and it was not listed as my choice, so I answered NONE OF THE ABOVE. Also, I have been asked which was my current or previous employee ( I have been out-of-job for 7 years ), but none of the choice match any of my previous employees, so I also answered NONE OF THE ABOVE, then it says it can not give me my free credit report! If there 's an alternative answers to XXXX of these questions, then those answers are not match my identity. How can I report this problem and correct the answers?
Opened card at banana republic. Wanted to pay it off next day. Website was very difficult. Was told by rude representative that card will not be delivered for seven business days, and that I ca n't make payment without incurring a {$10.00} fee for a {$200.00} bill before getting my card. I will be traveling for the next month, at which point I will be in delinquency status, so I 'd like to get this done now. Only there is no way to do it. That seems quite ridiculous and unfair.
I have disputed inaccurate items on my credit report dating back to XXXX. XXXX and Experian has repeatedly refused to delete the inaccurate items on my credit report in addition they have yet to send my results of the disputes. The 1st dispute was XX/XX/2018, The 2nd was XX/XX/2018, The 3rd was XX/XX/2018 and the most recent was XX/XX/2018. Every dispute was mailed by certified mail, but yet XXXX and Experian has not deleted or mailed by results to me. XXXX  and Experian has gone over the allotted day for a dispute, which is 30 days. they have broken the law mandated by the ( FCRA ).
Experian has refused to remove information that I have identified as fraudulent. I have already provided an affidavit of fraudulent activity to Experian and still they refuse to remove the information. They allege they verified the information with XXXX, however ; I have already informed XXXX that the information is fraudulent. XXXX 's legal representation advised me that I must file a fraud affidavit to have the information removed. They advised I must complete their packet, I have not completed their packet as there is no law that specifies I have to complete paperwork prepared by the creditor but rather simply file the affidavit with a law enforcement agency. I filed the affidavit with the FTC and am providing a copy of the affidavit to Experian.
I paid a debt to fifth third bank on XX/XX/XXXX 2019 as a part of a previous CFPB complaint. They rejected my payment, sent me collections, and damaged my credit score. I didn't realize this had happened until I received a letter from the collections agency. Fifth Third has refused my money, and it is now impacting my credit reputation due to them filing collections. 

XXXX transaction log of attempted payment : XX/XX/XXXX 2019 Credit Return : Online Transfer XXXX to XXXX # # # # # # XXXX Misc. credit {$290.00} {$4100.00} XX/XX/XXXX2019 Online Transfer XXXX to 5/3 # # # # # # XXXX transaction # : XXXX XX/XX/XXXX {$290.00}
In XX/XX/XXXX XXXX XXXX illegally defaulted my loans despite my submitting a request for a deferment. While I only borrowed approximately {$75000.00} I now owe over {$160000.00} due to default fees and penalties. This is loan shark practices. Furthermore, my income tax of over {$6000.00} from tax year XX/XX/XXXX was taken and NEVER applied to my balance. I have made numerous complaints since XX/XX/XXXX to  present to XXXX XXXX, US Department of Education, and Congress. This is loan shark practice and simply impossible to pay. I NEED HELP
I disputed the entry for a mortgage foreclosure with XXXX Bank on Experian. They investigated and put the date of XXXX 2015 as the date of foreclosure on the account. I disputed the incorrect date of the foreclosure on my Experian report and they did nothing to correct it. I attempted to get them to fix the information to reflect the correct date of the foreclosure and they will not allow any additional changes to the data on the basis that it has already been investigate. XXXX and XXXX are showing the correct info.
I sent a request for LCI consumer reporting company a request to disregard the sharing of my credit report sharing. This company shares consumer credit information. This company holds documents that can show up on my credit report that can be embarrassing which could cause harm against my financial wellbeing. 

LCI does not make my credit profile available to me, even though my personal information is held within their company. LCI does not allow a consumer to freeze their credit shown within their database. I Dispute these actions. This is a violation of the FCRA which states a data furnisher of credit must respect consumer credit reporting laws. LCI is not above they law! LCI does not have my permission to share, obtain, nor store my credit information at anytime. 

I sent LCI a request to remove my information on XX/XX/19. LCI respneded XX/XX/19 that they are not a credit reporting agency, saying that LCI does not participate in credit reporting acts. This is false! LCI was found on a credit board being reported by a consumer to sharing bankruptcy information. 

LCI sent me a dishonorable response.
Security Finance sent me a settlement letter in the mail stating that if I paid XXXX by XX/XX/2017 that they would consider my debt paid in full and notify each credit bureau that my debt was indeed paid in full and they failed to honor that agreement.
Was a collection front tv cable, and we talk and we decided to pay i n 2 parts, I pay the first one and I give authorization to get the second pay on my car automatically.    I do n't know why is the complain. I pay for this  XXXX  account alrready.
Making threats to have my license suspended and refused to verify the debt was paid. I was contacted by a XXXX XXXX from national commercial services phone number XXXX ext XXXX XXXX insulted me several times told me I heard voices in my head called my a liar several times.
I am a Realtor, representing a seller of a flooded home in XXXX, LA. The owner has flood insurance and a check has already been disbursed and forwarded to Bank of America and is in their escrow account. We now have the house under contract to be sold, and BofA will not cooperate in providing a pay-off so that the act of sale can be conducted. We have been stalled for 3 weeks, and are getting nowhere in dealing with the pay-off department.
I have obtained a new copy of my credit report while going through it carefully I noticed that on several accounts Experian has placed in the 'Status Details ' in the 'Your Statement ' area. This is evident because other accounts have this placed in that area. <P/>I have not noticed until now that it is suppose to be the outcome results but they have deceptively placed things that I have not authorized to be there, nor made a determination to those exact statements that are used by CRA 's placed there. <P/>These accounts are XXXX XXXX with a statement that reads : Your Statement : Account previously in dispute - investigation complete, reported by data furnisher. <P/>XXXX XXXX : Your Statement : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) XXXX XXXX, which I never disputed there is a statement that reads : Your Statement : Account previously in dispute - investigation complete, reported by data furnisher XXXX XXXX XXXX, which I also never disputed there is a statement that reads : Your Statement : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) XXXX XXXX, in which I had 2 accounts because one car was lost/stolen and that was the one was disputed but the current account that is listed I did not dispute however it has a statement that reads : Your Statement : Account previously in dispute - investigation complete, reported by data furnisher I do not understand why statements of this nature are being placed as if I suggested this in the manner and context of this verbiage. You as an advocate on my behalf to ensure that accurate and truthful information is being reported. I believe that you definitely understand that this IS NOT accurate reporting.
I am a part of the Wells Fargo banking scandal. Several years ago I lowered my monthly rate on my XXXX year mortgage. Unbeknownst to me WF added an additional loan and years to my mortgage. What they told me over the phone and the papers they sent for to sign were XXXX different things. Now I am saddled with a XXXX year mortgage and an additional loan. This last fall WF agreed to lower my monthly rate XXXX point, in house. It is now XX/XX/2017 and it still drags on. Their notary did not properly sign the documents they sent me and I was asked to have XXXX RE-NOTARIZED and re-sent to them. Now they have informed me that this paper has been lost and we need to begin the process all over again?? .The incompetence/ dishonesty is breath taking!! I believe that they hope I will go away so WF will not have to give the point reduction. Their attempt to mitigate their nefarious banking practices.
I was a victim of identity theft in XX/XX/2017. XXXX XXXX should not be on my credit report. It should be removed and my credit score should be higher. I want my credit cleaned up. I have clean credit with no problems in paying on time.
Inquiries that I didn't authorize. I've done all I can do to get these off. It's unfair that businesses can continue to put these inquiries on your credit report illegally.
Having reached the Medallion Qualification Miles ( MQM ) benefit thresholds in XX/XX/XXXX for both Amex Delta Reserve and Amex Delta   Platinum  cards, I was instructed by an Amex  representative in early XX/XX/XXXX ( on a recorded line ) that if I wanted to receive more MQMs for the year I could apply for a SECOND Delta Platinum card. Provided I spent the required amounts on the card within 2017 I would get the MQM bonus. I did so and reached the first of two thresholds on my new Delta Platinum card on XX/XX/2017 by spending {$25000.00}. This entitled me to XXXX MQMs. Then, on XX/XX/2017 I reached the second threshold by spending another {$25000.00}, entitling me to an additional XXXX MQM bonus. The maximum MQMs per year is XXXX and I was instructed that this was per card. 

These MQMs never arrived in my account at XXXX and I have been given the runaround by Amex ever since. Upon further ( and tedious ) investigation with Amex I am told that I would not get the additional MQM 's because I already received them on a similar class of card ( my original Amex Delta Platinum ). This contradicts the sales pitch and guidance I was given by an Amex representative in early XX/XX/XXXX prior to applying for and receiving my card who told me that I would receive them for each card provided I achieved the spending thresholds for each card independently. I am NOW told that their policy is based on " card class '' rather than " per card '', however they are unable to send me a copy of this policy, or point out anywhere on the web or otherwise where this policy was publicized before, during, or after the application process. Not only that, the agent I spoke with last actually told me " that I should have asked! " .I would have NO IDEA that this policy existed and would therefore never know to ask this question. I applied for this credit card solely on the basis on this representation as a consumer relaying on the information provided to me by American Express Company representatives. Therefore, it is fraudulent. I was misled into applying for a credit card where Amex receives ( a ) a substantial annual fee, ( b ) a fee from the merchants for the {$50000.00} in spending I made, and ( c ) potential interest on any unpaid balance ( s ). 

I satisfied the spending requirement for {$50000.00} between XX/XX/XXXX  and XX/XX/2017 and feel treated wrongly by Amex for their withholding these XXXX MQMs. They opened what I describe as a " fake '' investigation to listen to the recorded call in early XX/XX/XXXX where I was guided into applying but I'm told by " a supervisor '' that the outcome of the investigation would only be reprimanding the phone rep, not giving me the MQMs. It has been weeks. Promised phone calls are not returned, I received no written indication that an investigation has been opened and believe my first course of action is this complaint with the Consumer Financial Protection Bureau. As noted below, I support publication of this complaint on its website for the protection of other consumers. Further escalation, including a lawsuit, is likely to follow if a satisfactory resolution ( below ) is not obtained in a reasonable timeframe.
I am attempting to resolve a student loan that is from XXXX XXXX, then navient, i just had XXXX XXXX from consumer credit something at XXXX -- XXXX just call me. Ive offered them XXXX as my loan was XXXX in XXXX they tell me that i have to pay the XXXX that its gotten too or 25 % of that. then claim that I am threatening him when i mention the law suits against Navient, when i offered the XXXX i was told that last month that would ; have worked but not this month the " specials '' are over. They refuse to take the money i have yet say i am refusing to pay. 

what can i do?
I had a Debit Card ending on XXXX witch was cancel most likely more than XXXX month ago. 
This Debit card number was cancelled by me, when i ask to be issue another Debit Card ending on XXXX. 
A company name XXXX witch i make business in the past, have in record my old cancelled debit card ending on XXXX. 
Citibank fail to protect my account allowing a transaction go through with this cancel old debit card number. i call City Bank and ask for intermediately refunds of my funds since they as an institution allowed this to happens by not been properly canceling the old debit card. Call second time and was transferred to the Corporate Support Team where XXXX told me that the case was file and just have to wait. Because of this Bank Mistake my account is in Negative and now I can not perform any transaction in my account causing me an inconvenience situation and frustration no allowing me to take my money out to support my family.
A while back, I checked my credit reports online and saw an account being reported by Trident Asset Management, a " debt buyer '' account regarding XXXX ( I assume XXXX of Florida, not XXXX XXXX ). 

Apparently, this has been reporting as a collection to my credit since XX/XX/2015. They are only reporting it to XXXX, and there is no information about who the collection is from. I disputed the debt and even though they verified it as accurate, they still haven't reported who the debt is from, or provided me with that information. I do not have any debt owed to XXXX and I have yet to receive any information or verification from Trident which would in any way indicate otherwise.
NCC Business Service Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Fl XXXX XXXX Account is paid in full and was told that if was paid the account will be taken off my credit report.
Re : Transunion Dear Transunion, There are multiple spellings of my name and listed address that are not associated with me on my credit report that is incorrect. My name is spelled only one way XXXX XXXX XXXX. My current address is XXXX XXXX XXXX XXXX XXXX, FL XXXX. All other addresses and spelling of my name listed are incorrect and resulted from crime ( s ) that have taken place. You were sent a copies of an sworn identity-theft affidavit and identity-report filed with the federal trade commission. However, these inaccuracies still remain on my credit reports which is a violation of THE FAIR CREDIT REPORTING ACT. Furthermore, these incorrect addresses and misspellings of my name prohibit me from verifying my identity with creditors. Lastly, you have also be sent updated information of my current address which I lived at for the past 25 years. I have exhausted all remedies before I take legal action. The following listing in my file are a defamation of character because they are also associated with debts I DO NOT OWE.
I initiated a money transfer on XXXX/XXXX/XXXX within Citi Bank online portal using their embedded service called 'XXXX XXXX. Both my ( sender ) and recipient 's setup was correct, the {$400.00} amount was debited from my account IMMEDIATELY after I initiated it, and recipient got a text message, which means the token was taken to the correct phone number. The money NEVER made it to the recipient 's account ( which was also with Citi Bank XXXX. 

I called both Citi Bank and XXXX customer service on XXXX/XXXX/XXXX to check where my money was. Neither party knew the answer. XXXX insisted that they had no access to transfer details, the money should stay with Citi Bank. Therefore I asked XXXX XXXX to call Citi Bank on my behalf to confront and confirm whose fault it was. After investigation both party agreed that it was XXXX of my / recipient 's fault. The service just failed for some technical reason that neither party knew about. The Citi Bank supervisor named XXXX PROMISED me that I 'll get my money back to my account on/before XXXX/XXXX/XXXX. It did n't happen. 

Frustrated I then call Citi bank again on XXXX/XXXX/XXXX to see where my own money was. A supervisor called XXXX XXXX ID : XXXX ) had created an internal investigation case for me with XXXX. He refused to provide me with a timeframe when I shall get the money back. After my insisted asking, he PROMISED that he 'd follow up on the case first thing the next day ( Tuesday XXXX and usually I should get the money by Wed afternoon since he 'll ask the internal XXXX to give me an immediate credit as first priority over their " investigation '', since the fact is CLEAR after his own judgment. He also asked me to call back by Wed if no update. 

As expected the money did n't come back on Wed. Therefore I called XXXX again on XXXX/XXXX/XXXX in the evening to track this issue. I was directed to a supervisor called XXXX XXXX Team XXXX, she REFUSED to give me her personal ID ), who showed no sign of helping me with this issue to expedite at all. She mentioned repeatedly that 'YOUR ACCOUNT WAS NOT ELIGIBLE FOR AN IMMEDIATE CREDIT ', despite the fact is clear that I was not at fault and it was my OWN MONEY that was missing. She refused to do anything for me and also mentioned that per her experience such cases would TAKE XXXX TO XXXX DAYS TO INVESTIGATE. Before the case is wrapped up it 's impossible for me to get the money back. After I said this is ridiculous and some unpleasant back and forth, she finally hung up on me without any further assistance to resolve this issue. 

Finally I called XXXX again shortly afterwards, and this time a supervisor called XXXX XXXX did n't provide ID ) PROMISED me to expedite the issue and ANOTHER XXXX TO XXXX BUSINESS DAY 'S WAITING IS POSSIBLE. I asked explicitly XXXX. A callback to address update of the case XXXX to complain the previous supervisor ( XXXX XXXX and that I request AN APOLOGY from herself or her XXXX. Up to this time I 'm still waiting. It 's been XXXX whole days since XXXX/XXXX/XXXX, when I initiated the money transfer.
The disputed account has been given ample time to validate their position of maintaining a collection account on my personal credit profiles. It is now time that I request a division of the Federal Trade Commission known as the Consumer Financial Protection Bureau to demand accountability. I have never paid on any account to this organization. This company obtained my personal information from a debt pooling service. There was never a legal assignment or transfer of ownership. FTC v. XXXX XXXX XXXX ( 2009 ) stipulates XXXX criteria f a legal collection process : 1 ) The debt must be within the resident jurisdiction of legal collectability 2 ) the ownership transfer must be in hard copy documentation, backed up upon request and 3 ) the individual must be given ample notice or 30-days that the legal collection could be posted on a person 's credit report is not rectified within said 30-day notification. In this matter, the collection company failed on all three criteria. The CFPB needs to monitor and sanction Cavalry Portfolio Services, and a " Cease & Desist '' must once again be administered against this company for such illegal collection practices.