WillisBack/dataset-financial-user-claim huggingface dataset:
Someone's name is also on my credit report and social security. they have hard inquiries for auto and home loans also credit card. and I would like these removed and corrected SCREENING REPORTS, I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I haven't ever dealt with theses companies never given authorization for them to inquire about my credit
While reviewing my XXXX AND XXXX credit report, I noticed an unauthorized and fraudulent inquiries initiated by BMW FIN SVC on XXXX/XXXX/2015. I did not authorize any employee of BMW FIN SVC to review my records for any purpose at any time. Further, I personally contacted BMW and requested that this adverse information be deleted from my report and/or provide me with any verifiable documents signed by me authorizing them to review my reports within 5 business days. T o this extent, BMW FIN SVC disregarded my request in clear violation of my civil rights under FCRA and PRIVACY RIGHTS Act. As a direct result, I have continued to suffer irreparable economic loss including but not limited to my inability to secure meaningful employment, housing and/or obtain new credit, due in large part to the gross negligence of the BMW FIN SVC employees acts and omission.
Dear XXXX, I received an email from American Express to offer me a new Business Gold Rewards Card. The welcome offer for the card, as described in the email, is to get XXXX Membership Rewards ( R ) points after I spend {$5000.00} on purchases with the Business Gold Rewards Card within the first 3 months of Card Membership. My application must be received by XXXX XXXX, 2015 to be eligible for this offer. 

I was not sure if I need the card but though the welcome offer was generous and finally applied the card and got approved on XXXX XXXX, 2015. 

However, 3 months after I met the spending requirement, I did not receive the XXXX Membership Rewards ( R ) points so far. I have contacted American Express many times ( through phone and online chat ), but never get the issue solved. They told me my welcome offer was XXXX Membership Rewards ( R ) points after I spend {$10000.00} on purchases with the Business Gold Rewards Card within the first 3 months of Card Membership. And, since the 3 months already passed and I spent less than {$10000.00} on my card, they can not offer the XXXX Membership Rewards ( R ) points. 

Although I still has the email and offered to forward them the email, but they never asked for the email. They simply declined the welcome offer they sent to me. 

Please help me to make American Express do what they promised. 

Thank you very much.
XXXX, have created an inaccurate account with identity theft violating the fair reporting act and the reporting transaction act.name XXXX XXXX XXXX and XXXX XXXX charging us both for non active accounts enrolling us as married.
While reviewing my credit report, I noticed that a collection has been reported on my file by XXXX. 
However, I respectfully dispute the validity of the debt.I request validation of this debt as required under Fair Debt Collection Act ( 15 USC 1692g ), and also, I am requesting that XXXX., provide me with all verifiable evidence, including but not limited to signed documentation by me obligating me to this unpaid invoices. 
Furthermore, I request that the Agency provide me with the name and address of the original creditor if the creditor is not the one listed above. 
To this extent, upon belief and information, this account is as a direct result of ID THEFT, as such I am not liable to the debt. I never signed or consented in anyway to this debt.
They hired a 3rd party collector, and collector is trying to file a complaint with the Texas DA trying to say it is criminal charges for a " Hot Check ''.
Texas courts and prosecutors should uniformly reject these complaints unless there is additional proof of fraud.
I lost my job and everything, this is the first time I am hearing about this.
And now that I am aware of this issue, they are stating that they are on a " Federal Recorded Line. '' Only options they gave me was for within 24 hours to make a decision.
I have been unable to redeem my XXXX reward points from PayPal Master Card/Synchrony Bank using their online awards page link which does not work. Selecting, cash, gift card, travel or merchandise all lead to a web page with two boxes : CONTINUE or CANCEL. 
Selecting CONTINUE has no effect at all. I reported this to Synchrony Bank customer service by telephone on XXXX/XXXX/2016. Customer service advised me to wait until I accumulated XXXX reward points, then redemption would be " automatic ''. ( Information I believe to be incorrect ). My XXXX PayPal Extras Master Card paper statement informed me that my XXXX reward points expire in XX/XX/XXXX2016. I contacted them again about this issue on XXXX/XXXX/2016, this time, by emailing them at the PayPal Extras Master card secure message center. They have neither acknowledged nor responded as of XXXX/XXXX/2016. 
Hence this complaint.
Received the background screening report from Advantage Credit Bureau. They reported negative information older than seven years which should not have been according to the summary of my rights under the fair credit reporting act. The report was dated XX/XX/2018 and initiated by XXXX XXXX. This resulted in an adverse action taken by the company I was in the process of being hired for.
I went XXXX XXXX military XX/XX/2013. I had an outstanding balance of over {$1000.00} on my discover card. I left my finances in control of my financial broker as I was unable to control my accounts. After I left, my discover account had a fraud alert and was locked out. My broker was unable to regain access to pay the bill off the following month. When I regained control of the account I paid the debt in full. However, I was charged with a 30 day delinquency on all my credit reports. I have contacted Discover with this information on a yearly basis and even provided my military XXXX. Although this is considered a valid charge the negative impact on my credit is damaging my job field in the military as I have a XXXX in jeopardy. 7 years is a long time to punish someone with a good history of bill paying considering I had no control over the account and was on XXXX XXXX at the time. I would like the 30 day delinquency removed from the credit reporting agencies.
I was shocked when reviewing my credit report and found a late payment on the date below : XXXX days late as ofXX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
I know for a fact that this loan has been paid in full, because the payments were coming directly out of my paycheck from my employer. I did not send a direct payment into them, it actually was the  XXXX  loan I had with the company. When the money stopped coming from my paycheck, I automatically thought it was paid in full
XXXX XXXX  is showing up on all 3 credit bureaus. I have disputed this acct with the company directly and with the credit bureaus. THE BALANCE THEY SHOW IS {$4500.00}. And they will not remove this account from my profile. I have written them asking them to provide me with the original loan application with my signatures and they haven't not provided me that. They sold the account to XXXX XXXX XXXX on XX/XX/2016 with an balance of {$4600.00}, I have also reached out to them asking for a copy of the original loan application. My date of both is incorrect when they called to try to verify the account with me.
I get Robocalls from Comenity Bank at least XXXX times a day. They have called under the following numbers : XXXX and under Unknown. I made a payment of XXXX dollars last month in addition to another XXXX dollars. I only owe XXXX. I work for a federal government office and I am a fraud coordinator for our internet programs. They have threatened me with legal action, they call me outside of XXXX. I have kept all of the voicemails with the people 's extension ( my iphone stores the voicemails as text ). I informed them of the Telephone Consumer Protection act every time and that if I just made a payment of over XXXX dollars they need to stop with the phone calls until I am past the next payment due date if that is all necessary. This is excessive Robocalls. In addition to that they are using an outside company XXXX XXXX XXXX to make their calls. This is not a collections company. I thought that was illegal for them to do as well. They are sharing my information and debt information with outside companies.
Fein, Such & Crane LLP are debt collectors claiming to represent another debt collector XXXX XXXX XXXX XXXX as an alleged Trustee of a REMIC. The consumer is being terrorized civilly not only by the debt collectors named above, but by the Tribunal, Supreme Court of New York XXXX County. Fein & XXXX are maliciously and abusively prosecuting an illegal debt collection action styled as a Foreclosure in state court. The consumer has issued several Notices and Demands all under the FDCPA, federal consumer laws. Both debt collectors are ignoring each of those communications by the consumer and creditors and continue to violate the FDCPA. My consumer goods obtained for personal, family and household purposes, such as my private home is attempted to be illegal confiscated by these XXXX unknown debt collectors. The CFPB has made clear the rules and regulations, with clear interpretations to consumers regarding its use. Fein and XXXX are engaging in illegal, fraudulent, and abusive debt collection against this consumer. Fein and XXXX was ordered to " obtain verification '' ( sworn and under penalty of perjury ) and proper " validation '' from the alleged original creditor supported by Original Loan Level Documentation. If Fein and XXXX complies strictly with the FDCPA, it will obtain the verification of the Rescission, TILA and the fact that " no debt is owed. This of course is based on the fact that Fein and XXXX are enforcing a legitimate debt which originated from a legitimate transaction.
someone contacted me asking did I want to make quick money and they were from the FDIC. It was in regards to money that my bank owed me. They asked me for my personal bank information and I gave my information out. They deposited money into my account and then later told me that it was n't my money and it needed to be sent back. They gave me the names of the accounts in which the money was owed back to. I sent the money back and I thought that was the end of it. Later that night another deposit hit my account and I got an email and that basically told me I would n't have access to my account due to suspicious activity. I later called my bank and they told me to file a police report and it is attached to this statement.
my student loans were originally thru sallie mae they were sent to navient. some how one of the accounts were sent to XXXX XXXX XXXX. i have paid navient in full according to XXXX XXXX, XXXX, and federal student loan website. portfolio recovery says i have not paid my student loan in full and still owe around {$2900.00}. there phone number is XXXX all document of proof of pay of were sent to portfolio recovery, which they didn't accept for proof of pay off.
I sent a letter to  XXXX  requesting to have several credit inquiries removed that were not mine, The credit bureau just sent me a letter stating the definition of what a credit inquiry is.
Mortgage Company was contacted by a family member claiming they were helping me with obtaining a mortgage. The broker ran my credit report discussed my financial information with this family member and then gave them a copy of my credit report. This was done without my knowledge or consent. Upon contacting the mortgage company, they apologized for the oversight of not confirming my authorization and offered a XXXX subscription should this individual attempt to utilize my information.
I recently checked my credit from TransUnion. I have applied for credit in over 3 years, yet I have 18 inquires on my credit file. I called TransUnion and explained that I should not have any inquires on my credit report. I told them that my report is showing inquires that I made back in 2015 but now these inquires are showing up as recent inquires as if I applied for credit within the last 2 years which I have not. Also some of the inquires are duplicates from the same company 2-5 times in a row.
I am unable to find a phone number that will get the to the correct person and/or get the report I need. On-line just says can not do it on-line due to information not matching but I verified I entered correct information. I had personal info hacked on an account and need to get credit report but not letting me on-line and can not get hold of anyone to see what the issue is.
XXXX XXXX is reporting a debt of {$620.00}. I have no business with XXXX XXXX. They are a third party collection agency that does n't appear to be licensed in the State of Nevada. I am requesting that this negative account be removed from my credit report with all three Collection Bureaus.
I did n't receive a paper copy statement for my Capitol One credit card for the month of XX/XX/XXXX with a payment due on XX/XX/2016, so I called on XX/XX/XXXX to request a copy and spoke to a supervisor ( XXXX - ID # XXXX ). I was informed by another Capitol One customer service agent on XX/XX/2016 that this request for a paper copy was not processed, stating in the notes that I did n't verify my address ( when I was never asked for it ). I paid the amount in full before the due date, but Capitol One NEVER provided me with a paper copy, stating that the XXXX might have lost it. I believe the statement was purposefully never provided in hopes that I would miss the due date and have to pay late fees.
" " '' I have disputed this collection XXXX XXXX for months.XXXX  and XXXX   have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Since Green Tree Servicing has taken over the servicing of my home loan they have relentlessly called me every time my payment was even a day past due, sometimes XXXX times per day. They have also ( on XXXX occasions ) falsely reported to the credit bureaus that I have been 30 days delinquent on my mortgage. They are difficult to contact and just plain rude when I am able to get hold of someone. I do n't understand how a company such as Green Tree is allowed to operate using such malicious tactics.
My debit card and all my banking information along with pin # were stolen from my office desk by day labor that was hired to pack up my my office to move. On XXXX-XXXX-2017. 1 ) Personnel account. on XXXX there was a {$500.00} atm withdrawl and onXX/XX/XXXX they tried using the atm card a number of retail stores, the bank stopped allowing any more charges. They then deposited a fraudulent check for {$2300.00} at an atm on XXXX the {$2300.00} check posted and the bank reversed out the {$2300.00}. chk. because it was a 3rd party chk and had a fraudulent signature on the back. After investigating XXXX XXXX approved the {$500.00} withdrawal and put the money back into my acct. My acct. was closed on XXXX I was told they would send me a chk. for the bal. in my acct. After not receiving a check. I call and was told my funds are now frozen in a Recovery account and could take up to 3 more months to investigate? It has been almost 2 months and know. I keep getting the run around and was told I needed to address the problem with my branch. I called the bank manager and she told me it was out of her hands. no one will give me a timeline or reason why they wo n't return my funds after the account has been closed. other than they were checking to see If any outstanding charges that had to be recovered. The bank manager told me she has seen it take anywhere from 3 months to a year? This is timeline is Unacceptable it does not take that long to figure out a simple bank account.
On XXXX/XXXX/XXXX, my mortgage with Wells Fargo Bank ( loan # XXXX ) was paid off in its entirety. To date, my escrow overage AND mortgage over payment totaling in excess of {$10000.00}, has NOT been received. It occurred to me that Wells Fargo routinely charges its customers interest on monies owed them. Moreover if Wells Fargo engages in a " pattern and practice '' of this type of behavior, the potential for HUGE ( and improper ) profit taking, would seem wrong. I submit this for your agency 's consideration. Thank you, XXXX XXXX XXXX
In XXXX 2016, I was induced to open a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX AAdvantage miles points in exchange for opening a CitiGold account and scheduling two bill payments from the newly opened account. 

After enrolling with the promotion code, on XXXX XXXX, 2016 I contacted Citi through messaging and received confirmation that the offer was attached to my account. 

On XXXX XXXX, 2016, I confirmed with Citi through messaging that I fulfilled all terms of the offer and to expect my bonus around XXXX. 

On XXXX XXXX, 2016, I asked when will I receive my bonus AAdvantage miles and I was told that " Our promotion offers are available by invitation to specific targeted clients by an email listed and/or letter sent by mail from Citibank. " Even though I have a written confirmation from Citi that : The promotional offer is attached to my account and ; I qualified for the promotion and ; I met all requirements to receive my bonus. 

On XXXX XXXX, 2016, I asked Citi again that I got written confirmation from citi represtative that offer was attached to my account but Citi denied and I was informed that my bonus would not be honoured. 


Even though I have been assured by Citi that I met all requirements to receive my bonus, the bank is now refusing to honor their end of the agreement. The CitiGold checking account has cost me { {$60.00} } in fees so far and does not deliver its promised benefits. 

Citi must give bonus AAdvantage miles immediately and refund the {$60.00} fee that they have charged so far and or additional steps will be taken to collect my promised bonus and refund the charged fee. I am extraordinarily unhappy and suspect that Citi routinely and systematically defrauds their customers.
I have a debt on my credit report that is not my debt. I do not know who they are, who they represent,, name has changed twice. They continued to ding my XXXX Report. I have filed a complaint with BBB ; complaint XXXX Submitted on X/XX/2017. Complaint against XXXX XXXX XXXX, XXXX Thank you for your attention to this matter.
Sincerely, XXXX XXXX XXXX
I received a letter in the mail from Lakeview Loan Servicing , LLC in XX/XX/2018 stating that I had an escrow shortage of {$230.00}. I sent them the payment in full and the amount was cashed from my bank account on XX/XX/2018. The letter stated that If I do not make the escrow shortage payment, then I would be responsible for increasing my monthly payment to {$870.00} beginning XX/XX/2018. It also stated that if I do make the payment, I would only be responsible for making a payment of {$850.00}. 

On XX/XX/2018 I checked my bank account and the loan servicing company withdrew from my bank the full {$870.00}. I called immediately and asked them to apply the difference to the principal. When I saw that they did not do that, I called a second time and asked them to mail me a check for the difference. The supervisor told me that he would mail the check and put a rush on it. I waited about a month to receive the check in the mail, and never received it. 

I called the company again today, XXXX, and the person over the phone told me that they will not be giving me a check, but will be holding it in their account and applying it over time towards my escrow payments against my wishes to either mail me the difference or apply it to the principal. I explained to the agent over the phone that this was mismanaging my money, no matter how small the amount is, and he was not interested in helping resolve the issue, despite admitting fault that the company wrongly took an excess of money from my account. 
This is the second time I have had the issue with this company taking out more money from my account after paying an escrow shortage. The previous incident occurred last year. I did not report that incident.
My loan reverted to the original predatory note from XXXX XXXX XXXX XXXX. I have asked via my rights under respa to understand for 90 days with no response : 1. Why my payment is going from XXXX to XXXX with no notice and why I was told my mortgage would adjust to XXXX ( in writing ) and then it went to XXXX. 
2. Detailed Itemized Summary of payments and fees that have caused my loan to go from XXXX to XXXX in principle. I am told no history exists and they can not provide the exact details of what fees were charged.
There is a debt being reported to my credit report from Receiveable Management that I paid years of go. I have sent letters to the credit bureau and the company and the debt was verified without any proof. This is killing my credit score.
I had a chase credit card Account that has been closed for years. I still am making payments but because of the fees and interest this account is still not paid off, they call repeatedly when my payment is late and are unwilling to work with me on payment arrangements. In the past 5 years I have had XXXX, had a XXXX XXXX XXXX, issues with medical problems sustained during my service in the XXXX, XXXX of a XXXX XXXX, and now XXXX which have affected my ability to work and have resulted in me having to take leave without pay. I just want to settle this account so I do n't have to deal with this companies harassment. I must have paid thousands of dollars in fees and interest and it is causing great strain on me and affecting my credit report negatively.