WillisBack/dataset-financial-user-claim huggingface dataset:
I 've been going back and forth with XXXX for the last few weeks about disputing and deleting items off my credit report that does not belong to me. And they have done absolutely nothing to help me the accounts that 's on my credit report with them are not mine it 's two of them on there and I have over nine or 10 inquiries that do not belong to me and they will not delete them off and I 've been going back and forth with them for weeks all they keep doing this updating the information which is making it stay on my credit report longer I do n't understand how my credit keep getting run if I have the credit Identity On It so that anytime I credit is wrong you have to verbally speak to me to be able to approve me for credit I do n't understand how somebody is still able to run my credit and give me all these inquiries. 
Accounts that are not XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX its on the report 3 times.Inquires that are not mine XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .Please help me with these accounts an inquires i did not give my permission on these. Nor did i authorized it.
We are currently 24 days past the due date of XXXX/XXXX/2016 on our auto loan. In the life of the loan, we have been late but have never been more than 30 days late. This morning I have received phone calls at XXXX XXXX., XXXX XXXX. and XXXX XXXX - all of which have been while I 'm at work. This does n't include any calls that were possibly made to my husband 's phone as well. When I mentioned on the third call the amount of calls and this being harassment, I was informed they could call up to 5 times a day between XXXX XXXX. and XXXX XXXX We understand we are late on the payment and are incurring late fees, but we take full responsibility for that and will get it paid before it hits 30 days past the due date. We just want the amount of calls to be lessened.
Please see complaint XXXX and the company response. They have not awarded promised airline miles from last XXXX. The letter they wrote after the first complaint said it would be resolved by today. It 's not. They have not given me the miles I earned.
I have send certified letters to ATG regarding the alleged education debt on XX/XX/XXXX, certified letters to XXXX, XXXX and XXXX XXXX regarding the debt and have not received any resolution. 
I also sent a certified letter ( on XX/XX/XXXX ) requesting evidence and verification of the debt and ATG sent incomplete verification, debts in a different amount than what they are showing as a collection on my credit report and they are trying to collect funds from a VERY OLD DEBT from XX/XX/XXXX. This alleged debt that is incorrectly showing on my credit report is from XX/XX/XXXX ( 7 years ago ) so it is a very old debt as well. 

Please help me in getting this fixed with ATG.
The name XXXX, XXXX XXXX and address XXXX XXXX XXXX XXXX, NC XXXX does not belong to me.
I had applied for Chase XXXX XXXX card. They put my application in review and I had to send my SSN card copy and address proof for review to be completed. They decided to approve the application. But when I got my card, they closed my account saying credit check was performed again and then rejected. Please provide me a credit card or remove the credit inquiries
In mid XXXX I received a letter from XXXX bank, a company I admit I owe money to, informing me the debt was transferred to JH Portfolio Debt Equities , LLC. JH has never contacted me directly. On XX/XX/2018 I received a letter from XXXX XXXX informing me they were acting as debt collectors for JH Portfolio and I had 30 days to respond. The next day, a Friday, after XXXX, I received a call from a representative of XXXX XXXX wanting to know how soon I planned to resolve the issue. I told him about the letter I got only the day before and I planned on using my 30 days. 

At the point a supervisor jumped on the call and informed me he was retracting the 30 days, this needed to be resolved by the end of XXXX. I said I could not agree to this, told him the payment terms I might agree to, he said it wasnt good enough and he started to yell at me and belittle me. I said the conversation was over and his response was the conversation was over when he said it was over. I hung up and blocked the number they called from. 

On Monday I called the offices for XXXX XXXX and spoke to someone I was told is a manager. I told him my story but at first all he was interested in discussing was payment terms. He backed off when I informed him I did some research and know his company has been repeatedly reported for abusive behavior. He then asked me not file a report. However, this will never be resolved to my satisfaction if I let it sit.
I applied Chase Sapphire Reserve credit card in XXXX 2016. As the benefit of this application, I should get XXXX credits for travel expense. So I used this credit card to book XXXX night stay in the vacation condo XXXX in XXXX XXXX, Texas in XXXX 2016. But I did n't receive the travel credit. So I called Chase twice and their representatives said this XXXX is classified as real estate agent in their system so my reservation is not qualified for the XXXX travel credit. 

But as a customer, how can I know which category this vacation rental belongs to in Chase 's system? I do n't think it is my responsibility to verify company property. I used this card to pay travel expense, and I think it is not acceptable that I can not get the benefit I should get. Does this mean in the future if I use this card to book any vacation rental house, I have to verify with Chase before I make the reservation to get the travel credit? Or each time they can use the same reason to refuse to give the travel credit to other customers? If vacation rentals have different categories in Chase 's system, should it be Chase 's responsibility to give each customer a list to let us know which vacation rentals are qualified for the travel credits? I felt I was cheated by Chase since the annual fee for this card is {$450.00}, but Chase did n't provide the corresponding service. 

So I fill this complain and wish CFPB can help me get an acceptable answer from Chase. Thank you very much!
On XXXX/XXXX/XXXX I opened Discover Savings account number XXXX. At the time there was an offer for a {$200.00} bonus if the account was funded with {$20000.00}. The terms of the offer read : " Apply for your first Discover Online Savings Account by XXXX/XXXX/XXXX. Enter offer code XXXX when applying. Deposit a total of at least {$15000.00} into your account by XXXX/XXXX/XXXX to earn a {$150.00} Bonus or deposit a total of at least {$20000.00} into your account by XXXX/XXXX/XXXX to earn a {$200.00} Bonus. '' I was able to successfully open the account online using the offer code XXXX on XXXX/XXXX/XXXX. 

As of XXXX/XXXX/XXXX I still have not received the {$200.00} bonus despite meeting the requirements of the promotion - {$20000.00} was deposited into the account on XXXX/XXXX/XXXX. I have called Discover several times asking about the status of the bonus and have been given multiple excuses as to why it has not been credited. These excuses include : XXXX The bonus will post I just need to wait until the end of XXXX. 
* When I called after the end of XXXX I was told the bonus " might '' post by the end of XXXX. 
* I was n't specifically targeted by the marketing department so I wo n't be getting the bonus -the offer did not mention anything about being targeted and it was available on Discover 's own website. 
* I did n't use the offer code on the online application - I did enter the code as it was the only reason I opened the account in the first place. 

I expect Discover to credit the {$200.00} bonus as I have met all of the requirements of their promotion. 

Thank you, XXXX XXXX
On XXXX/XXXX/XXXX XXXX contacted my relative and disclosed my information to her and got a payment from her for the amount {$190.00}. I explained to my relative that they were not suppose to give her any information regarding a bill in my name and they could not take her money. They continued to contact her and give my information to her over the phone. I have disputed this bill since due to the violation of the Fair Debt Collection Practices Act. I requested cease telephone communication. Some time had passed and the phone calls stopped and the bill stop coming. After many years my relative called XXXX to get service they told her they could not help her till a bill in my name was resolved. They again disclosed all my information and transferred her to Southwest Credit Collection department. Then Southwest disclosed my information to her as well. I notified CFPB and filed a complaint against XXXX. I sent a Certified letter disputing the bill on XXXX/XXXX/XXXX. XXXX still calling. I then sent a second Certified letter XXXX/XXXX/XXXX to Southwest Credit informing them of the violation and that I am left with no other option but to file a complaint to cease telephone communications. Southwest Credit in turn sent me a bill with balance saying I owe {$310.00}. CFPB was not able to handle the matter with XXXX so CFPB notified the FTC. Even after sending a Certified letter to Cease Telephone Communication I continue to receive collection calls from XXXX. Another violation of the FDCPA. On my voice mail when I received a call from XXXX a man said on my voice mail. " I got this '' then hung up. Something must be done about this harassment. I am taking the steps to have this resolved to that they will not continue to do this to me or anyone else.
Hello, I am complaining about XXXX XXXX AKA XXXX XXXX XXXX AND XXXX. 
On XX/XX/18, I discovered accounts on my report. I reported these to all 3 credit bureas. XXXX has not responded nor has the  XXXX XXXX. On XX/XX/XXXX, I called XXXX. On approximately XX/XX/XXXX, XXXX  added an additional unknown account to my file called XXXX XXXX. Dispute is also noted next to my new credit card account ( which is not disputed and I opened a few days ago to build credit in preparation to buy a home. There are {$1.00} payments being added and subtracting from the XXXX XXXX  aka MCM to make them active. I found out XXXX is using unknown credit cards from 7-8 years ago and renewing the the active dates to harm my credit score. I opened 3 online disputes, however, I am denied access to them with the reason saying " unable to verify your information ''. I received the same thing with an email dispute. I have held on the phone for 3 hours trying to reach XXXX personnel in disputes. It is a difficult process that only tells you what you have already read on your report. Questioning XXXX  about XXXX XXXX   resulted in an immediate 30 point drop in my credit the next morning with no explanantions. I have waited since XX/XX/XXXX. The 30 days are way past what I should wait. No call, no email, not 30 response.
For over a year Ocwen Servicing has stated my loan was delinquent, I have repeatedly informed Ocwen that I have a cancelled check for the full mortgage payment for every month on this loan. I have sent certified letters with copies of the cancelled checks and made multiple phone calls. Their response has been to send Pre-Foreclosure letters starting in XXXX 2016, which I responded to. I received the exact same Pre-Foreclosure letter in XXXX ( new date on letter was the only change ), which I responded to requesting a In Person meeting ( per page XXXX of their letter ), I then received the exact same letter in XXXX ( with a new date ), which I responded to again asking for a In Person meeting, additionally I had my attorney send them a letter also. And I have again received the exact same letter, which I have again responded to asking for a In Person meeting. I dispute that I am in any way shape or form delinquent in my payments, I can ( and have ) provided copies of cancelled checks. ALL correspondence has been sent via certified mail, and I have the signed return receipts, so I know they have received the information. Ocwen is beyond frustrating to deal with, I have spent hundreds of dollars trying to get them to respond to me in a way other than a computer generated form letter, all because some where along the line, THEY have made a error with my payments, and now I can not get them to correct the issue or even acknowledge my correspondence. I am afraid they will find a way to escalate the process and cause further monetary damage - I have resorted to sending my monthly mortgage payment via certified mail so I have evidence it was sent to them in a timely manner HELP!.
I am an Amex card holder for over 10 years. I had 3 cards that ended in account numbers XXXX, XXXX, and XXXX. I live at XXXX XXXX XXXX XXXX XXXX FL XXXX which is a FEMA Federal Disaster area after Hurricane Irma. 

Amex cancelled these cards around XX/XX/XXXX in the financial crisis. While others defaulted on their debts I dutifully made payments on my accounts for over 10 years. In XX/XX/XXXX I collectively owed just over {$10000.00} on these 3 accounts. I made payments online to pay these accounts in full at that time. 

I believed that I had paid all 3 accounts in full. 

Unfortunately, there was interest charged on account XXXX that I was not aware of that left a balance of about {$27.00}. What happened next is infuriating and I am asking that American Express resolve this. 

1 ) - I assumed my accounts had been paid in full. 2 of the 3 were. Account XXXX was not. I paid {$5200.00} on XX/XX/XXXX to attempt to pay this account in full. 
2 ) - Amex does not offer the ability to pay more than the balance owed. I would have paid the interest outstanding which was {$27.00} but that option was not allowed 3 ) - I assumed my account was paid in full and cancelled my recurring payments given my pay-off of {$5200.00} on XX/XX/XXXX. 
4 ) - On XX/XX/XXXX I received a credit monitoring alert that an account was past due. I researched this alert and realized it was from American Express account XXXX 5 ) - On XX/XX/XXXX I realized that a {$27.00} balance was left on this account when I paid it off. American Express then charged me late fees in XX/XX/XXXX and XX/XX/XXXX. {$38.00} each month for {$76.00} in total. I received no phone calls from American Express that my account was past due in this 60+ day time period. 
6 ) - On the note above - any time I previously was a few days late on a payment American Express immediately called me every day to let me know I was late. In this case when I attempted to pay off the account I received no calls from American Express. They apparently would have just charged me {$38.00} a month late fees for perpetuity and gladly taken my money. 
7 ) - On XX/XX/XXXX I contacted American Express customer support and they were worthless with no ability to help 8 ) - On XX/XX/XXXX I went ahead and paid my account in full ( again ) for about {$93.00} which was the {$27.00} in interest that I owed plus the {$76.00} that American Express charged me in late fees. 

I am asking for fairness. I paid the account in full on XX/XX/XXXX. They can see it in my records. I paid my account on time dutifully for over 10 years. My credit report should not be negatively marked because of my mistake which was compounded by American Express not calling me or notifying me that a balance was owed and my account was now late. I would argue vehemently that American Express had set a precedent that if my account was late I would be called daily. I have no idea why I was not called or notified in this situation. 

Please correct the credit report to show my account is paid in full and never late. 

Thank you
I keep getting notices that I have to re-certify my Income Base repayment plan in XX/XX/XXXX. However, when I log into the Federal Student Aid website it says I do not have to re-certify until XX/XX/XXXX. I spoke to a representative at Navient who said I only have to re-certify with the one form on the Federal Student loan website, but she couldn't explain why Navient had one date and the FASA site and my other loan servicer had a completely different re-certify date if I only submitted one form that went to all. 

I am also filing a complaint that Navient doesn't participate in the Public Service Student Loan Forgiveness program that I am already participating in with my other lender. What kind of company doesn't support Public Service employment?
In XXXX of XXXX, I was denied a loan by Equity Prime Mortgage, NMLS # XXXX /NMLS # : XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, MD XXXX. At the time of denial, I had a credit score that exceeded the minimum requirement to obtain their product. DTI ratio requirement met. Proof of income, and proof of ability to repay. Subject property also met financing guidelines.The company did not provide the reason for the denial nor attempted to advise on how to obtain approval. I felt discriminated against because I met all minimum requirements to obtain a loan. 

The company may have changed names during this period.
I disputed an inquirty from Ccb/Ppc with Equifax on XXXX XXXX, 2015 and was sented the results stating that the Inquiries are a factual record of file acces. I disagreed with Equifax and ask in a cerified letter dated XXXX XXXX, 2015 that they provide me with:1. Method of Verifcation2. The name and phone number of the person they talked to. 
3. Copies of any documents paper or online they used in their investigation. 
Equifax responed by senting me the same letter i received on XXXX XXXX but with a different Confirmation number. Equifax voilate my right under the FCRA section 611 ( a ) ( 7 ) and i intend to file a claim in small claims court against Equifax for this violation. I have include uploads of the return receipt from the XXXX postal service showing Equifax received my letter, copy of the results from Equifax dated XXXX XXXX 2015, a copy of my letter ask XXXX Equifax for their method of verification and whom they talked to and their phone number as well as any documents used by Equifax to validate their results and a copy of thier letter dated XXXX XXXX Equifax sent when i ask for results show how they investagated this inquirty. 
These are my rights under the Fair Credit Reporting Act ( FCRA ) section 611 ( a ) ( 7 ).
I received a car loan from Drive Time on XXXX/XXXX/XXXX. During the life of my loan I fell during some hardship hence losing my job and unable to keep up with bills. My issue with drive is this, They would call my phone three times a day and leave messages when I would not answer. I my self XXXX XXXX XXXX XXXX XXXX XXXX XXXX know that after you make contact and leave a voice mail they can not call again and they can not call three times a day. Two in XXXX of XXXX I just started my job with my current job and would not get paid for two weeks. I spoke to customer service rep whom stated that they would prevent my car from being reposed if I made a payment on XXXX/XXXX/XXXX. Then not even three days later they took the car. I then filed a complaint with BBB I was advised that they would settle the account but had to be in one lump sum they offered two weeks to pay a XXXX settlement. They advised i would receive a settlement offer which I never did. I am now seeking counsel to file a harassment law suit with the company and providing me the consumer with false and misleading information about assisting me with payment plan during my hardship and refusing me a hardship hence i was behind one payment after being on time for more than 7 months.
We spoke to Bank of America nearly 4 months ago because we used their Billpay service to send a check to our HOA for a check for {$250.00}. This was on XXXX 2017. However, the check was stolen and cashed. The signature on that cashed check was not the HOA 's signature, and the account was not under the HOA name. We reported this check as stolen with the police. 

Bank of America, however, has yet to actually refund our check ( 3 months later ). They told us that we would get the money back in 90 days for sure. However, it 's been more than 90 days and they are saying that they are still waiting on the Federal Reserve to refund. I 'm not sure why they promised us we would get the funds back in 90 days if it was n't true. 

It 's taken more than 5 phone calls, countless hours and emails so far and we have not had the funds returned.
I am still disputing this debt that you stated is VERIED but did not confirm that it is VALIDATED, I contacted the original creditor who was unable to validate this credit account was mine. I am responding in a timely matter to your attempt to validate this debt because I still consider this debt as '' still in dispute ''. I would like documentation to clear up my reasons for disputing this debt ( agreement that bears signature of the alleged debt, complete payment history on the account to prove the debt being collected is correct, etc ). In addition, you must also be aware that until you validate this debt, you can not continue to report this information on my credit report as that is non- compliance with FTC . Accounts- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- reporting twice XXXX XXXX XXXX. XXXX, XXXX
On XX/XX/2018, I started the process to dispute unverified information on my credit report as reported by the three major Credit Reporting Agencies ( CRA ) or bureaus, XXXX, XXXX   and TransUnion. As of XX/XX/2018 and through 4 rounds of letters sent by certified return receipt, the items I disputed still remain on my credit file as unverified. XXXX was the one CRA that would not respond to my 4th letter, stating they had previously processed my dispute and information was verified. I would like to submit this complaint on them for your investigation.
There are XXXX accounts on my credit report that show open and in collections. The XXXX accounts were included in the Bankruptcy Chapter XXXX filed in XXXX XXXX. The United States Bankruptcy XXXX granted a discharge in XXXX XXXX, XX/XX/XXXX.I have filed a dispute in XXXX XXXX with XXXX in regards to have the XXXX accounts debt removed from my credit report. As of today, it still shows on my credit report.
Why are we still allowing banks to allow charges to go through when our balance is XXXX? And then charge up to five times in the same day overdraft fees? This is a predatory practice by Wells Fargo. The online balance does n't update, they play a shell game with your charges to cause you to fall below your actual balance. Now I find they can cash post dated checks. If it 's my bank, my account, why am I the only one out of control? Anyone who wants my money gets it and I am forced to take a loan? Banks are syphining money from the working poor and they treat us like we do n't matter! I was charged {$120.00} for a total of {$80.00} worth of charges? Loan sharks do n't charge more tha. The loan??? Protect the consumer and REGULATE THE BANKS!!!!!!!!!!
I mistakenly paid {$70.00} less than the statement balance on my Chase Freedom credit card -- ~ {$2200.00} rather than {$2200.00}. So, their tactic is that the ENTIRE balance is subject to the borrowing interest rate ( that is, the usual grace period is null and void for the credit card ) - not only for the previous statement period but for the following statement period until the payment is received. So, I had interest charges of approximately {$10.00} apiece for two consecutive months ( by which time the balance was completely paid ). Essentially, {$70.00} borrowed for 2 or 3 weeks resulted in {$20.00} interest charge which would amount to an effective annual interest rate of almost 400 %. I hope there could be some reform in the laws so that only the UNPAID portion of the credit debt could be subject to interest assessment.