WillisBack/dataset-financial-user-claim huggingface dataset:
About 2-3 years ago, I went shopping for new back to school outfits. I was in dire need of new shoes. I went to a clothing store near me - XXXX. I was told by a representative about a savings deal, that if I signed up for a credit card I would receive a certain percentage discount. I'm a XXXX XXXX, so I of course love any discounted rates available I can get! I gave my information and the entered it in to her computer register. I was approved for the card almost instantly and went on about my day with my new shoes. This letter is not in regards to the quality of the shoes, but in regards to the bad quality of performance. 

I came back to the same XXXX a couple of weeks later, as I wanted to pay for my shoes. I was younger not knowing exactly how credit cards worked, as it was my first time having one- but knew I definitely had to pay them back. I thought I could pay in person, but a representative at XXXX  told me to call the number on the back of my card, that I should be getting it soon in the mail. I said okay and left. Several things go on in a young working XXXX XXXX mind. Days carried on and I never received a statement, an e-mail, a call, or even the card itself. What triggered my memory about this was a call I received for the first time in regards to the card on Friday XX/XX/2017 while driving on my way home from work. This call was not from XXXX XXXX, but from a collection agency. They explained to me what the debt was for and of course the usual routine is to verify youre talking to the correct person before you carry on with the conversation. They asked if they were speaking to the right person, I verified that it was me and I was asked to also verify what my SSN was. Representative then read to me all my contact info to make sure everything was up to date. 

The address she read back to me was incorrect. Instead of XXXX XXXX XXXX XXXX. ; the agency had XXXX XXXX XXXX XXXX. I told them if that's the information they received from you all at XXXXXXXX XXXX, then that should be the reason why I never even received anything. I was willing to go ahead and pay the bill until they told me what the amount was. My shoes were definitely not anything designer. I know for a fact they were not anything over {$50.00}. If my memory serves me right, I'm pretty sure they were around {$45.00} with the discount, thus I am opening a dispute for the amount of $ 200+ I am  been charged as a now debt. 

Pulling up my credit report, I do see XXXX XXXXXXXX XXXX on there ; and it is affecting horribly. This one simple mistake made by this company has brought my credit score down ridiculously low. Now as a XXXX  seeking a XXXX degree, I am getting turned down left and right by lenders and loaning companies because of how badly this negative reflection has affected my credit score. -Everything else is perfect with on time payments on my other currently open credit card accounts. I was told by the collection agency that I had a credit line of {$550.00}! I was sincerely surprised by that because now I can't even get a regular credit card of more than {$200.00} ( With my deposit of {$100.00} even included ).
called TRANSUNION ... trying to tell them I am a victim of identity theft, I told him why would I run my credit over and over with the same company 's and I already have a bill with one of them. guy didn't try and listen to what I was saying brush me off and I tried explaining to him I already contacted XXXX and they are working on it to get it fixed. he told me I need to mail a police report for inquires. 
XXXX XXXX  XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX   XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX   XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX   XX/XX/XXXX XX/XX/XXXX
XXXX XXXX from Experian special services has not contacted me regarding my dispute. Per section 1681i a consumer has a right to access and contact the credit reporting agency to file a dispute. XXXX XXXX has not investigated the items in dispute and has not coded the accounts listed as XXXX 'Item disputed by consumer '. The FCRA clearly states " ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information " If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate ''. 
XXXX XXXX spoke with XXXX XXXX in regard to XXXX XXXX. He never initiates a dispute or initiates an investigation on this item. The XXXX items are known to be reported incorrect. Rather, he says he does than sends a updated copy of XXXX XXXX credit file with a comment 'Please contact the creditor ' at ... XXXX and no updates for the XXXX accounts with results of the investigation or verification of pertinant account related facts. 

This is not an complete accounting or investigation of the disputes items. The XXXX accounts are listed as individual and they were orginally joint accounts. In addition there is multiple errors and misrepresenations that XXXX alleges to be correct and are clearly not. Consumer disagrees with Experian customer service. Consumer knows the law, has the bona fide credentials, he is trained in the law by attorneys, he has work in a city court, and reads adminstrative and procedural law. XXXX XXXX holds XXXX XXXX and a XXXX training. 

If the creditors can not certify the accuracy of the information Experian must remove the accounts no conditions. If Experian was provided certification from the creditors then a copy of such should be remitted for creditor examination and a request for judicial intervention ( RJI ) will be filed in federal court for civil proceeding for FCRA violations. 

The consumer XXXX is the only one who can provide an affidavit to the facts of the accounts not the creditors who communicate misleading and false information via XXXX or other telecommunication or ( digital device ) to Experian.
I have found out that I am a victim of the XXXX  security breach. As a result of this I wanted to put in an extended fraud alert. the company website does not give access to a phone number to do so without " becoming a member '' meaning they wish to collect even more information. The XXXX number for the victims basically verifies that we are victims but provides no other services. My attempts to call XXXX failed even after a total of XXXX mins on the phone on 4 different occasions. Similar failures occurred in regards to placing fraud alerts with TransUnion and XXXX as well. 

I am requesting that you contact these companies and have them provide us the assistance we need- we are victims of their greed and incompetence, and they have gone unregulated for too long. Please do help.
I have been filling out credit card applications at this financial institution numbers of times. I have been recently denied a cash builders credit card by this bank that i have bank Accounts with and been conducting business with this bank financial and credit card Institution for many years. i feel that i have been a valued customer or client with them And feel that i am being treated unfairly, i deserve the right to be granted trust like any other Person or consumer of this bank. my credit score is good, all debts are paid or satisfied There are no issues with financial companies.please do a complete investigation for Discrimination issues and to be certain that i am being treated equally and to avoid future Complaints or disputes with the banks financial institution or who's involved with the Approval of credit card applications.Thank You Sincerely.XXXX XXXX.P N C Bank Customer.
The following statement cites and corresponds with a previous report filed against Navient Solutions , Inc. as of XXXX XXXX, 2016. The issues that will be addressed are in regards to the inaccuracies of Navient 's online account information, and the conflict of information and instruction to clientele between company representatives and paper documentation. 

Navient Solutions , Inc. is requiring three qualifying payments to be made in order to qualify for the Rate Reduction Program. " The Rate Reduction Program you were approved for requires three qualifying payments to be made before you are officially enrolled into the program. Your third qualifying payment is scheduled to post on XXXX XXXX, 2016. '' Recent phone calls from representative XXXX XXXX of the Collections Department of Navient Solutions , Inc. have instructed that these three qualifying payments are set to the amount of {$350.00}, with the program to be successfully initiated after the third qualifying payment, which was recently posted on XXXX XXXX, 2016. A phone call with XXXX XXXX at XXXX has confirmed that the third qualifying payment, as before, is the amount reflected in the Rate Reduction Program. Documentation also states that three qualifying payments are required before the Rate Reducton Program is scheduled to process, though no further information is stated to constitute or define the exact specifications qualifying payment. 

Conflict of interest is also revealed in the recent response made by Navient Solutions , Inc., in reference to to previous Case Number XXXX : " It is important to note that your enrollment into the Auto Pay Program is not set to begin until XXXX XXXX, 2016 when you have successfully completed enrollment into the Rate Reduction Program. The three qualifying payments you had set up over the phone on XXXX XXXX, 2016 for enrollment into the Rate Reduction Program are recurring payments and not payments initiated under the Auto Pay Program. '' This information does not provide clarification for the current conflict of the correct payment amount, which has been previously agreed by both parties to be set to {$350.00} for three qualifying payments. " You qualified for a reduced interest rate of 7.00 percent under the program, which would reduce your monthly payment from {$430.00} to {$350.00} under the program. The Rate Reduction Program requires three qualifying payments to be made for the modified payment amount before your loan is officially enrolled into the program. Your third qualifying payment is scheduled for XXXX XXXX, 2016. Assuming the payment clears, you will then officially be enrolled into the program retroactively, effective from the date you were initially approved for the program. ''
On XX/XX/2018, I sent Rash and Curtis a cease and desist letter via certified mail. It was signed on XX/XX/2018. To date, Rash and Curtis is still reporting collection activity to all three Credit Bureaus and have not been in compliance. they are in violation of the FCRA and FDCPA
The original case number was reported in XX/XX/2017, stating that my husband and I are in the middle of Short sale. I would like to report with proper documentation from XXXX that the house was sold on XX/XX/2017. The property address XXXX GA, XXXX. XXXX and XXXX do not own the house anymore and please see attached documentation that the amount owe needs to be taken off from our credit. This is no longer our debt, we sold the house. See attached closing documentation.
I bank-wired {$3000.00} USD to Coinbase , Inc. on XX/XX/XXXX. They have not credited this to my Coinbase account, XXXX Their phone customer service does not handle this issue. 
Their online customer service has been entirely non-responsive. case XXXX. 
I confirmed by phone with XXXX XXXX XXXX that the wire was received.
It 's a struggle every time I try to get my free annual credit report from the credit reporting companies covered by annualcreditreport.com. I try to space out my requests so that I get a different one every 4 months, but I can usually only get a single one per year from XXXX as it 's the only one that works consistently. XXXX is always blocked by my anti-virus system when they try to transfer me to a malicious website and Experian always tells me that I 'm blocked from ordering through the official website and must make my request by US Mail. These problems have gone on for several years now and I 've tried reporting them to annualcreditreport.com, nothing ever seems to change. It seems that they make it so difficult to get the legally required free report, that the only way to accomplish it is to buy some bogus service from them. Why does n't the government put a stop to this?
Freedom Mortgage continues to send me spam mail and continues to call leaving spam voicemails despite complaints to the FCC and company itself. I 'm on the do not call list and have previously notified the company not to call, they continue to break the law.
I was sent an application for a Citibank credit card. The application was denied. I received a notification through XXXX  that my available credit was decreased from XXXX to XXXX. As I stated earlier my application was denied and I never received a Citibank credit card. I had recently received a mail notification offering a reduced rate for a balance transfer. The card ending in XXXX. That was the information presented on the latest transfer offer. According to the information I obtained through XXXX  this account has been opened since XX/XX/2018. Without the entire credit card numbers closing is impossible.
Ditect is servicer of a loan and property in hawaii. It is in violation of hawaii state mortgage servicer laws XXXX and XXXX.
Went through a loan modification in XXXX with XXXX XXXX Loans. My husband had a XXXX XXXX XXXX and had been out of work. Mod was approved at the end of XXXX, payments to start the trial mod in XXXX or XXXX. All completed on time as agreed. Final modification went into affect XX/XX/XXXX was told throughout the process, the account would be updated to reflect current payments. Now I am being told that ca n't and wo n't be done. I would have not gone through all of this had I not been assured in several phone calls that every thing would be updated to current one the modification was approved. I could have paid XXXX and XXXX late and been current from XXXX forward. I would have been better off financially for sure. 
I only want the time from XXXX removed as that was the time to wait for the trial period to begin. I offered to pay the loan every month and was told not to do so. I think it is only fair to remove the 60,90 and 120 day plates as that is not accurate
I am submitting requested document from CFPB Case # XXXX, notarized affidavit. I previously submitted a complaint to CFPB. You assigned it complaint number XXXX. Then I responded, you gave it complaint # XXXX and today XX/XX/XXXX I am submitting again : The company responded to the complaint and attached a credit card statement that shows my name with an address that I never occupied. This means that this account was opened using identity theft. Though I requested from the collection agency to obtain a copy of the signed credit application and send it to me, they instead sent you a credit card statement. Yet as you can see, the address on the statement is an unknown address for me and this is why I demand that the collection agency obtains and sends me the copy of the signed credit application for that debt. The collection agency has replied on the documents attached to the first complaint I filed, a letter indicating that If I believe that the account was a result of identity theft, that I must file a police report. I went to my local precinct to file an identity theft, yet when I showed the letter from LVNV funding where it says account opened in XX/XX/XXXX, the officer refused to give me a report because he says he ca n't file a report for something that happened 7 years ago and without evidence such as the signed application which LVNV funding failed to provide.
A personal loan account appeared on my credit that was obtained fraudulently by my then fiance. This loan should have never been issued and was NOT authorized by myself. XXXX   should require more identification to issue loans. Second of all, they have never reported correctly in regards to balance, status, and payment information. They are reporting a 30 day late in XX/XX/2017. Please remove this entire fraudulent account off of my credit report.
When I applied for the loan the account that I used was closed prior to receiving money. My account was hacked while paying bills online. I gave them a copy of the account to show I never received the money. I pulled my XXXX report and seen this was on my reported information.
On, XX/XX/XXXX, I mailed XXXX, XXXX, and Experian a letter stating that the names, address, and place of employment showing on my credit file are not those of mine. They sent letters back stating that the FCRA states i am obligated to provide them proof of my social security card and Driver license to prove the information does n't belong to. I have sent this on several occasions including with the most recent letter on XX/XX/XXXX demanding the remove inaccurate address, and names and employers as they are making me susceptible to Identify theft.
I have a credit monitoring service with each credit service, XXXX and XXXX are using the vantage score XXXX with a XXXX score range same as Transunion. But XXXX & XXXX both have my score in the high XXXX but Transunion has my score at XXXX. I tried to get an explanation from several people from TU but only answer I could get from them including supervisors, was that it must be something on my report and they have a different rating system. The last supervisor I talked with could not explain and then began to argue with me. So I canceled my monitoring service with them because since late XXXX until current date my score with them has either stayed the same or gone down a few points when everyone else has gone up XXXX - XXXX points since I have 100 % on time payments and XXXX ballance on most of my credit cards. No late payments, only use less than 18 % of my credit at any given time and have had credit for over 15 years. Transunion could not give me any reason for their score going down or staying at the low #. The man I talked with said that the score had changed and since my membership just ended 2 days ago, I would have to pay {$9.00} for them to mail it to me. They could not tell me if it had gone up or down. I feel they are not doing their job and reporting correct information and everyone I had talked with was very rude with no people skills at all. I know that they are partnered with Creditwise which is XXXX XXXX and they are reporting my info wrong. I would like an investigation to their service. I also know that they want to charge {$39.00} for an all XXXX brueau report and the others only charge {$29.00} when you are a member. I am attaching a copy of my XXXX and I have a hard copy of my Transuinion if needed.
I have lodged disputes with Best Buy/CBNA, Citicards/CBNA and XXXX XXXX/XXXX with the belief they have reported negative items to my credit report not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX, with subsequent requests in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. During the time frames listed I also asked for assistance from each of the credit bureaus. I initiated the dispute process because I contracted with the XXXX XXXX XXXX in XX/XX/XXXX and they were to assist me with paying my creditors. Although I was struggling to keep my payments current I was not late with the accounts listed above prior to contracting with XXXX XXXX XXXX.
I received an email from Chase about a bill, thinking my credit was affected by that breach from the credit bureau. I ran my free annual credit report and saw Chase on there for {$95.00}. I have the card, but had paid it off and not used in over 2 years. I called Chase, and they explained it was for an annual fee ( I had never been charged a fee ever ). I explained to the representative that I do n't pay fees, have n't used card in years and wipe it out and close account. He said he could not waive the fee. I asked why, and was given some explanation that made no sense. I had just received the email about a statement and was telling him to close the account. He said he could close account but not waive fee. I then got angry and told him if not closing account and I have to pay the fee, leave it open. I paid the bill immediately as not wanting to affect my credit. But, the more I thought about it, this was not right. I have great credit and do not use credit cards with annual fees. I do n't know if they did this because I have n't used the card? I do n't know why they just did n't close it for inactivity, but instead charged fee?? 
CHASE CARD XXXX XXXX XXXX XXXX, DE XXXX XXXX card ends XXXX
XXXX sells wrist watches online.It advertises on TV nationwide.XXXX XXXX owns XXXX.Some time in XX/XX/2017 and a few times thereafter, I purchased cheap wrist watches from XXXX for approximately {$200.00} ( XXXX XXXX dollars ) on an installment basis with no interest. I authorized XXXX to draw money from my checking account as the installment payment falls due. After a few weeks I noticed that XXXX was not applying the money it was collecting from my bank account. I called XXXX about it and I even faxed three times copies of my bank statement showing the money it collected.I also sent a certified mail with return receipt to XXXX XXXX with the copies of my said bank statement. They just ignored or disregarded my faxed messages and letter. They kept calling and emailing me. They also referred me to a collection agency who threatened to have judgment against me. Without coordinating their collection, efforts, XXXX and XXXX XXXX kept sending separate bills with late fees, high interest and different amounts without including the amounts collected from my checking account. XXXX XXXX   reported to the three credit bureaus that my account is delinquent. I filed a complaint with BBB and BBB said they have not responded.
Bank of America ran the clock out. I had a Scheduled XXXX Sale XXXX/XXXX/16 On Tuesday XXXX XXXX Bank of America told my realtor they were going to have a new appraisal ; done because of new contract submitted. Bank of America also told my realtor XXXX XXXX they would request a postponement of the XXXX Sale to allow the Short-sale to complete. On Friday XXXX XXXX, 2016 I contacted Bank of America and spoke to XXXX XXXX Customer Care Specialist who informed me no request for postponement of the Sale was submitted. He then requested it and BOA denied. I also received a call on Monday XXXX XXXX, 2016 XXXX pm, I received a Voicemail from XXXX Compliance Dept BOA. I returned his call and left a detailed message stressing the urgency in needing a response. I also called 9 times on XXXX XXXX, 2016 trying to get help. I got no response. Finally after the XXXX XXXX Sale happened I received a call from XXXX on Friday XXXX XXXX,. 2016. I did all I could to prevent the sale from happening. BOA drug their feet. They accused the realtor of not submitting docs when they were. Basically BOA gave my realtor and I the run around At this point I am seeking legal help. Someone has to hold BOA responsible for unfairly treating homeowners in stress.