WillisBack/dataset-financial-user-claim huggingface dataset:
I had recently gottten my credit run and pulled by XXXX XXXX and XXXX XXXX XXXX. I was told I am not qualified to open an account due to what XXXX XXXX XXXX XXXX XXXX XXXX had REPORTED to XXXX and to the credit companys. As soon I was notified of this information I knew it was incorrect and as I am a victim of Identity theft and I have gone through similar problems I knew that this was not me and I had Never banked with XXXX XXXX XXXX or XXXX I have been with XXXX XXXX since 2004 and my home mortgage is also through them and I continued to stay with them. I had contacted XXXX XXXX XXXX Immediately via phone and I received NO HELP at all in fact I was told an Attorney can contact them if I thought this was Fraudulent. I then went into the Bank at XXXX XXXX in XXXX WA ( new location ) and submitted all my documents which included ID Theft Affidavit, Police Report, Credit Freeze showing proof that my credit is on freeze and alert, Social Security Letter showing that I notified SSA, Federal Trade Commission Report and more. I was rejected again and again. I also went into XXXX and gave them all the documents, told them I never banked with them and someone is using my Identity. I was ignored and no one helped. I am XXXX XXXX XXXX XXXX ( XXXX ) for XXXX as a Internal XXXX XXXX and my credit, my Identity and my value and worthiness is very important to me. I have had continues ID theft and its very hard for me to stop this without any help even after submitting countless amounts of documents. I am very tired of this and need XXXX XXXX XXXX and also XXXX to please remove me off their XXXX and also notify XXXX that this is an error on their end.
the bank is freezing my account with {$45000.00} and not giving me any explanation to the reasons why.
I was offered a promotion to open a checking account with Discover Bank. I had to meet a requirement to earn this promotion. The details were clear on my account application. I decided to open the account. I set up direct deposit with my employer and this has been ongoing. The requirement to earn the account promotional bonus was to set up direct deposit totaling at least {$500.00} within the first 90 days. Discover Bank received the second direct deposit on XXXX XXXX, 2015 that put me over {$500.00} in total direct deposits. This account was opened on XXXX XXXX, 2015. The details of the promotion/contract that I accepted was that the promotional bonus would be credited to my Discover checking account within 30 days. I continued to monitor the status of this promotion leading up to XXXX/XXXX/15 and had been assured both in writing and verbally that I had met the requirements of the promotion and that my bonus would post on or before XXXX/XXXX/15. The bonus did not post to my account on XXXX/XXXX/15 and I waited a few business days and then called Discover Bank once again, and contacted them in writing. Discover Bank has refused to credit the bonus to my account. I have fulfilled the terms of our agreement and am asking that this bonus be posted to my checking account.
TOYOTA FINANCIAL IS REQUESTING PAYMENTS THROUGH EXEMPT FUNDS OF UNEMPLOYMENT INSURANCE.
I have a Walmart Card with Synchrony Bank. When I opened the credit card I had a balance of {$500.00} in 2014. I was offered not interest on the card for 3 or 6 months. I paid my payments each month, and I also paid off my balance. Every time I paid the full balance, I got a letter from Synchrony Bank stating that they reviewed my credit report, and due to my score they will need to lower my balance. They did this each time I paid the full balance. My credit balance went from {$500.00} to {$100.00}. When they first changed my balance, I did not know, and they lowered my balance below what I had charged. This change in my balanced cost my payment to change from {$25.00} to {$30.00}. When I received my next bill, Synchrony Bank had charged me an additional late fee. I do not understand how a credit card company can practice Re -pricing based of off unrelated accounts. I truly believe I am being discriminated against because of my race, and because I continue to payoff my balance on this card.
I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX   and CAPITAL ONE with no successful resolution. XXXX and XXXX  are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Amazon and XXXX XXXX are reporting the same debt as a collection on my credit. I contacted both companies with an ID Theft Report proving to them that I was the victim of Identity. I have not received any financial gain from the account listed. 
The entities named above validated the debt as mine, yet they did not provide any documentation legally linking me ( XXXX XXXX XXXX ) to the accounts. 
The problem with their validation is : 1. The accounts are linked to an address that he has never resided at. 
2. according to the FCRA the number one way companies validate an account is through a signature neither of the entities above have done so.
I recently made an overpayment on one of my loans, and specified that the overpayment be directed to my highest interest loan and not to advance my due date. However they processed the payment to advance my due date rather than billing me for my next full monthly payment. I noticed and am planning to pay off my loans in full to avoid any further difficulties. Their default was to advance my due date, which in effect makes it take longer to pay off my loans and allows them to charge me more interest over the long term. Moreover, this was despite the instructions that I explicitly gave them.
I wanted to update my last name after my divorce and they were requiring a court document to have for their file even though I had already provided this to the social security and the license branch and had proper legal ID for them to update this.
In the summer of XX/XX/XXXX the XXXX XXXX monitoring system had some type of glitch where inquiries were removed. I have the XX/XX/XXXX report in which it shows my file to have 0 inquiries. These inquiries were placed back on my report without any notice from Transunion. I have called many times and I keep being told that I was not affected by the breach. I only found this while closely reviewing my reports after the XXXX breach. I also noted many unauthorized credit inquiries that I was told could not be disputed. They want me to get police reports. My police department has said they wo n't investigate because there was no loss to myself or the companies. The creditors will not investigate for the same reasons and referred me back to the credit bureaus for removal. XXXX  has complied but transunion now says inquiries can not be disputed.
My name is XXXX XXXX AND I HAVE SENT COMMUNICATION TO CFPB AND RECIEVED A LETTER ASKING FOR INFORMATION FROM ME REGUARDING BAMK ACCOUNT INFORMATION AND NEED TO COMMUNICATE FURTHER WITH SOMEONE REGUARDING THIS PROBLEM. I FEEL SURE WE CAN RESOLVE RHE PROBLEM.. I KNOW NOW THAT IS N'T TRUE AND NEED TO FIND OUT MORE ABOUT THE ISSUE. PLEASE. COMMUNICATE WITH ME FURTHER AS MY EMAIL XXXXXXXXXXXX IS BEING HACKED AND NOW I WO N'T HAVE A PHONE UNTILL THE XXXX of XXXX 2017. XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX
Executive Summary : Leased Vehicle - Property tax charged through date vehicle was sold at auction, not through lease termination date Background : Near the end of our vehicle lease, we received multiple offers from the manufacturer for early lease termination. The literature generally described that all early termination fees would be waived. We turned in our vehicle one month early ( XX/XX/2016 ) - our lease was up XX/XX/2016. After the vehicle was sold at auction in XX/XX/2016, we received a final settlement letter and a refund. 

Issue : In XX/XX/2016, we received a notice for {$870.00} for property tax related to the vehicle. Our lease agreement ( section 15 ) does indicate that we will pay property tax assessed for any period PRIOR to lease termination. I called Chase to verify the date the taxes were prorated. The agent indicated it is their policy to prorate the taxes through the date the auto is sold at auction. In this case, there is nearly a two month difference between the date our lease terminated and the date the vehicle was sold at auction. As a lessee, we had no control over the date the vehicle was sold, which theoretically, could have been many months after lease termination. I asked to speak to a supervisor who said she would research the issue and get back to me. She did leave a return message, but there was no way to contact her specifically to follow up, as she did not leave a specific extension or last name. Despite four calls to Chase referencing my case number, I have not received resolution.
My wife and I stopped by BB & T located at XXXX XXXX XXXX, XXXX GA. The checking account is in my name, and as we are waiting for my wife 's permanent green card to arrive, the bank has not allowed us to place the checking account in both of our names or to open a joint checking account. I had two checks made out to my wife, one from XXXX and the other from a local hospital. The teller immediately refused to cash the checks because my wife 's name was not on the checking account ( we were in the drive through ). I explained why her name was not on the account, and he said he needed to look into the matter. I gave him my driver 's license, her driver 's license, and my debit card. After 20 minutes of checking he came back to tell me he could not cash another check I had given to him ( we had given three checks, the third was to me and my wife for a washer we sold as we were planning to move ). At this point we had been sitting in the drive through for 20 minutes, and our XXXX children under the age of XXXX were needing their naps. I walked into the bank to collect our IDs my debit card and checks ( none of which were cashed ). I asked to speak to a manager however the teller refused to let me speak with a manager. The teller 's name was XXXX, his shirt was untucked, and his overall attitude was very unprofessional. I left the bank, called and spoke with someone in the bank who identified herself as XXXX. XXXX told me that there was no manager in and that they were unsure when a manager would arrive, however someone would be in  touch with me later that day to discuss what happened. No one called. I have dealt with a great deal of unprofessionalism at BB & T the last 2 years, and have had to email them regarding their employees conduct, unwillingness to help, and general cluelessness. These interactions do no inspire much confidence in BB & T. Still, no one from this BB & T branch has reached out to me to discuss what occurred which is why I am filing a complaint. I need to add that I took all three checks to a BB & T close to my home later that afternoon, and the local branch manager cashed them all without any problem. He could not have been any nicer.
From XX/XX/2017 until XX/XX/2017, I have received several texts and phone calls on my mobile cell phone from Midwest Title Loans ( XXXX area, www.midwesttitleloans.net ), asking to speak with a person named XXXX who was apparently delinquent on a loan. I called back at that number, informing the agent that they had a wrong number, I do not know this XXXX person. Midwest Title Loans initially acknowledged my request, and said they would update their files. Despite those assurances, the lending company continued to call and send texts on my mobile phone. Since then, I have informed this company no less than 5 times ( either via phone or text ) that they had the wrong number and that they had to update their file information accordingly. On today XX/XX/2017, I received another collection text and called back ( again ) the company : I informed them that they have to update their information, failing which I will file a complaint. The lady on the phone explained to me that there is nothing they can do to stop the texts because those are " generated by a machine '' (!! ). I asked if I could talk to their legal department to get that straightened out. She said that their contact information is on their website ( which I could n't find on the website ). Therefore, I have no choice but to file this complaint to ensure that Midwest Title Loans takes its obligations under the FDCPA seriously, since I am unable to get any traction with Midwest Title Loans directly.
Hi, I have duplicate credit reports on my report. it increases the number of my open accounts which affects my report. This duplicate loans are for my Students Loans. I 'm still a students and have graduated so my payment wo n't start till i graduate. I have attached a screenshot of all accounts. my student loan servicer is one agency as far as know. it should be XXXX account and not XXXX different account. Thank you so much
I already have submitted a complaint. I am writing further to inform you that the Franchise Tax Board, State of California, has recorded a Lien against my property. This means any sale, transfer or rental is illegal. Pass it on to the subject ( s ) of my complaint. I have no mortgage, nor have I had one ever with Ocwen Loans, or any of the other parties so connected. I am the registered, Deeded owner, and I have sent documents to illustrate this fact.
I went to XXXX University in XXXX, XXXX and XXXX, XXXX. 

I did n't receive enough federal loan money to pay for college, so I had to turn to private loans if I wanted to pay for my education. My college 's financial aid office did nothing to help me understand federal and private loan borrowing, but recommended I take out loans with XXXX XXXX ( now Navient ). This was quite possibly the worst advice they could have given me! 

I was once told that I could release my co-signer after two years of consecutive, on-time payments. When they told me this, I informed the cust. service agent that I wanted to go through with releasing my dad from my loans so she set me up with a new monthly payment in order to be eligible to release my dad as a co-signer in two years. So, you better believe that I made my payments, in full, on time, for two consecutive years. After two years had passed I called in to request my dad off my loans. This time, the cust. service agent told me that in order to qualify for the co-signer release I needed to make principal + interest payments. I told them that I thought I WAS making principal + interest payments because that 's what the cust. service agent told me two years ago when we set all this up! After what felt like forever of begging and pleading with them to allow my past two years of payments to count towards the co-signer release, I finally hung up the phone, exhausted and so completely hurt. They straight-up LIED to me! I had worked so hard those two years to make my payments giving up so much along the way. My dad wants to retire soon but is scared that if anything happens to me that he will be on the hook for these loans, so he continues to work. This HUGE lie from XXXX XXXX has put an indescribable strain on our once fantastic relationship. 

Since 2010 I 've been paying between {$580.00} - {$700.00} per month of interest only payments. I originally took out XXXX loans totaling {$66000.00}. My loans have now increased to {$95000.00}. I 'm told that I will have to move to a graduated repayment plan since I 've expended the interest only payment option. I struggle to make my {$580.00} payment now, I have no idea what I 'm going to do when my monthly payment goes up. 

XXXX XXXX ( Navient ) has been the worst lending company I 've EVER had to deal with. I have had problems with everything from mismanaging my payments, to yelling at me on the phone when I could n't make my enormous monthly payments because I did n't have a job or was n't making enough money to live. They have lost checks, not informed me when accounts were transferred to new servicers and misapplied payments between my XXXX loans ( which incurred fees ). Not to mention, every time I call into XXXX XXXX it takes an average of 45 minutes to get my issue " resolved ''. I also have a hard time understanding the cust. service agents when I call into XXXX XXXX. All of this makes working with XXXX XXXX extremely difficult. 

I got an education to better my life but have yet to live my life because I ca n't afford to. 

Please help me!!
XXXX XXXX XXXX Talk to XXXX XXXX  about the debt i paid in full with XXXX XXXX XXXX  was told that i needed to talk to XXXX XXXX XXXX about the tradeline being reported as owing XXXX Again call XXXX XXXX XXXX and they sent me back to XXXX XXXX.
I refinanced my previous loan with One Main Financial back in XXXX & I lost my job at the end of XXXX. I had been at my job for almost 5yrs. I had a payment due in XXXX & I immediately start receiving calls & I stated my situation but the calls persisted. While trying to obtain other employment, I was open & honest about my findings nut the calls got more frequently. I 've talked to several employees there but they started to get very unprofessional with their tone of voice, tactics & eventually threatened to sue plus continue to call. I 've gotten XXXX calls in XXXX day leaving messages & getting calls from different numbers at all times of the day & well into the late night harassing me. I answered strange numbers thinking it was an employer contacting me about a job & it turns out being them. I had just received a call from an unfamiliar number & it was them calling me stating I was n't being financially responsible, insisting on me selling my household items to pay them by tomorrow or they was threatening to sue. This type of behavior is uncalled for, irritating & very frustrating when I 'm putting forth every effort to find employment so I can take care of my financial responsibilities.
Medical Bill was already paid by XXXX to XXXX XXXX on XXXX 2016, but CIB still shows a balance of {$680.00} dollars, this account needs to be in a XXXX balance. 

CIB account # XXXX
My complaint is against Equifax and  XXXX . There are liens appearing on both. The liens are  PAID. T he liens were filed " after the fact ''. The debt was satisfied before the liens were filed. Yet, they refuse to remove since the liens were filed in error. They are going to keep on my files for 10 years. This is absolutely insane. This is causing me much   XXXX   as I am attempting to purchase a home. As long as the loans appear on file, even though they are paid, lenders are declining credit or charging exhorbitant interest rates. I did not have this same problem with   XXXX  . Equifax and   XXXX    should be held accountable. They are truly inept and have horrible customer service agents. Why do we have to have (  XXXX  ) bureaus, any way? This is absurd ... ..
The account of XXXX XXXX XXXX account # XXXX has not been validated. I have asked XXXX XXXX and Exquifax also XXXX XXXX XXXX to provide me proof of this debt bearing my signature and all i receive is a a letter from the credit reporting agencies saying that its accruate and then a itemized list of charges from XXXX XXXX. What is that? that doesnt tell me anything? .. By law i am allowed to asked for this information and it is to be provided. I have written letters and nothing is getting done. I wrote a letter on XX/XX/XXXX i wrote XXXX XXXX and they sent me and itmeized list of charges. look at the attached credit reports from bureaus. they are all different and reporting inaccrurately and violates my consumers rights to have accurate information on my credit reports be 100 verifable at all times FCRA. 

account is charged off -- XXXX XXXX date XX/XX/XXXX, equifax XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and how is there a usage on a closed charged off account? it cant be past due ... dofd is not accurate on all 3 bureaus. 
2 bureaus dont have no high balances reported etc
Barclays Wyndham Visa credit card is not honoring their XXXX pt offer when I applied. Originally while on a trip to XXXX in XX/XX/XXXX a Wyndham representative indicated that I can link my XXXX account when I Apply to the Barclays Visa Credit card and I will earn points. Plus I would get XXXX bonus points after I make a certain dollar purchase on the credit card. This IS the information that I was told. I did my due diligence and I started using the card. In XX/XX/XXXX of this year I called to follow up with the missing XXXX points and I was told that it might be in the next billing cycle since I had to wait up 90 days. Well XX/XX/XXXX went as did the XX/XX/XXXX billing cycle and no points. As of today XX/XX/XXXX also no points. So I called Barclays Wyndham Visa and they told me that I was not supposed to get XXXX points. I was pretty upset to hear this and they said just look at your agreement. My contention is that a representative from XXXX who gave me the application gave me a pamphlet and verbally told me that I would get the XXXX points and pointed it out in the pamphlet. It really feels like a bait and switch deal. After calling XXXX at the Barclays Wyndham Visa card the best I got was " Do you still have that pamphlet ''. Its been 5.5 months that I 've been dealing with this and NOW I 'm asked to show proof of a pamphlet from XX/XX/XXXX. Its not like I just threw it away today that I can look through the garbage and find it. It was 5.5 months ago. I 'm asking your assistance in this matter and please have them honor what was promised.
I have submitted several disputes to Equifax regarding XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX. All these accounts are closed on my credit file and are reporting negatively. Equifax is constantly stating the accounts were VERFIED/BELONGS TO ME, and the creditors have not provided any VALIDATION OF THESE ACCOUNTS. Also Equifax has not provided me with any VALIDATION OF THESE ACCOUNTS. Equifax constantly sends me an updated credit report that these accounts BELONGS TO ME. I requested from Equifax what did the company VALIDATE with them, and I have repeatedly been ignored. Since Equifax and the listed companies above have refused to provide a VALIDATION WITH A CONTRACT SIGNED BY MYSELF.
I received two notifications from Fingerhut and Capital One Bank to remove from my credit file. Please see attached.
I opened a Capital One 360 Money Market account on XX/XX/XXXX using promotion code XXXX, and fulfilled the requirements of this offer with cumulative deposits as of XX/XX/XXXX. Although the required 60 days have passed. Capital One contends I am ineligible for the {$500.00} incentive due to not depositing {$50000.00} all at once. However, the terms of the offer were plainly written and do not require the deposits to be made all at once : " Here 's the full scoop on how to earn your {$500.00} bonus : Open a 360 Money Market account and deposit at least {$50000.00} between XXXX XXXX ET on XX/XX/XXXX, and XXXX XXXX ET on XX/XX/XXXX. When you open your account, enter your promotional codeXXXX. ( Please do not share this code with others. ) Deposits must be from another bank ( transfers between Capital One accounts will not qualify ). '' My deposits were in excess of {$50000.00}, came from external banks, and were completed on XX/XX/XXXX. However, the incentive was not deposited even though it has been more than the 60 days required in the terms. 

I wrote to Capital One by mail on XX/XX/XXXX and again on XX/XX/XXXX, but have not received a response.