WillisBack/dataset-financial-user-claim huggingface dataset:
I made a credit application with Chase XXXX XXXX after reviewing the program on XXXX and XXXX, both of which identified that the {$85.00} annual fee is waived the first year. My first statement came in with the {$85.00} enrollment fee. I called customer service and they acknowledged that their website does offer that and that they would review and probably refund the {$85.00} fee. I received a letter two weeks later saying that I made application with a different offer and that I owe the {$85.00}. I called customer service and explained the situation. The response from both the representative and supervisor on XX/XX/18 was sorry there is nothing we can do. I immediately cancelled the card for fraudulent and misleading business practices.
This is a complaint against Equifax XXXX XXXX and Depart of Security Frezz The reason of this complaint is because I have a very serious problem with this credit agency because of the improper use of my credit profile and membership, they do what they want with my credit profile without my permission or authorization. They put fraud alerts, they freeze it when even they ca n't remove the freeze that they put on the freeze when I gave them the pin that they gave me through mail. They have my credit so badly managed that its impossible for me to obtain my profile utilized and my credit score. Its so badly managed that the blockage has been so negative that even the positive accounts that are under my name and social security Equifax does n't let them report them. I have proof of letters from all the banks that I have accounts in so they can report those accounts in Equifax because they are good accounts and make my credit good and better. Also I have two months calling all week to solve this problem because only with Equifax , I do n't have any problem with XXXX or XXXX, these companies report correctly but Equifax does n't. I have reached a conclusion that I have n't been only victim of identity theft but also a game of the personnel that work with Equifax. This complaint I would want the team of executives to see and do a review because this problem has become a game a joke towards me. Every time I call they are only going to do a ticket and every ticket they do n't solve anything. Also where are the positive accounts like XXXX XXXX ( credit limit XXXX ), XXXX XXXX ( credit limit XXXX ), XXXX XXXX Credit Business ( credit limit XXXX ). Where are these accounts that were opened in between XX/XX/XXXX and XX/XX/2015 and I know because I have the letter in proof that these banks have sent in the reports, the only problem is Equifax because they do n't want to report these accounts. I am sure that XXXX that if these accounts were negative Equifax would be the first to report them, because they are here only report the negative not ever the positive. This agency is here only to damage the profile of me and I am sure many other people. They have a horrible system and a personnel that is badly trained and horrible as well and they do n't solve anything.
I believe the XXXX out of Address Line XXXX : XXXX XXXX XXXX XXXX. 
Address Line XXXX : XXXX XXXX City : XXXX XXXX Zip Code : XXXX Is not compliant with XXXX Consumer protection. 

Under the name of 'NETSPEND ' Netspend Corporation XXXX XXXX XXXX , XXXX XXXX I have been receiving real credit cards under my name without ANY contact by me. They are sending real cards that can be easily intercepted and used without consumers evening knowing they had a credit card in their mailbox. 

SImply put, NETSPEND/XXXX is sending out credit cards out to consumers without ANY contact. The implications are very serious as a consumer would not ever know a credit card is on the way without prior knowledge.
XXXX credit bureaus are reporting inaccurate home repair debt information from XXXX XXXX XXXX and Fair Collections & Outsourcing who are not able to show evidence or proof of this reported debt. Their letters to me claim to have " verified '' the debt but this is not true under the law. I sent certified letters to all XXXX reporting agencies that showed the creditor has no record of ever communicating a debt to me. 
In response to my request for validation of a debt, XXXX XXXX XXXX and Fair Collections & Outsourcing mailed me an illicit and unsigned move-out sheet with fraudulent home repair charges they are using as their supposed evidence that I owe any debt. 

The company failed to provide the following information : Certified communication notifying me of the debt Signed agreement between myself and XXXX XXXX XXXX or Fair Collections & Outsourcing validating this debt Payments I made toward any original debt and my agreement to pay someone this sum of money Communication to me indicating damages made by myself to the home Statements of accounts or receipts that show contractor payments toward home repair as a result of my negligenceI submitted documentation to the reporting agencies and the creditor that shows XXXX XXXX XXXX is responsible for the repairs listed on the move-out sheet that they are in fact dishonestly charging me. This documentation included:1. An inspection ticket by a XXXX XXXX, TX city inspector showing inadequate home repairs. 
2. A certified letter from me to XXXX XXXX XXXX ( dated XXXX XXXX, 2014 ) listing all existing repairs the home needed upon my taking residence. The items listed are various items that XXXX XXXX XXXX shows on the invalid move-out sheet used to charge me this debt. 
3. A certified receipt ( dated XXXX XXXX, 2014 ) showing XXXX XXXX XXXX ' receipt of my certified letter. 

This creditor has several complaints filed against them with the XXXX with other tenants who are victims to their dishonest actions. XXXX XXXX XXXX did not adequately maintain the home in question and has now made unmerited accusations and reported false information to the credit bureau. The repairs listed on the move-out sheet mailed to me are the same repairs I notified XXXX XXXX XXXX via certified letter that needed repairing. I have a copy of this letter ( that shows the detailed list of repairs ) and a copy of the returned certified receipt that shows they signed and acknowledged my request for them to make repairs on the home. I also have copies of the move-out sheet the debtor sent to the credit bureau as proof of a debt, This move-out sheet is not signed or validated and lists the items that I informed XXXX XXXX of via certified letter notifying them that they were responsible for them. 
After I vacated the home, the repairs had not been completed by XXXX XXXX XXXX and now the company is charging me for repairs that existed before I took residence of the home.
This is in response to CF PB Claim Number   XXXX .     In the original CFPB claim  XXXX , I stated I did not owe any debt and that I wanted to contest. I said I had aske  d Transworld for an itemized invoice but they did not provide one.
It seems Transworld responded by sending another invoice that IS NOT itemized. I will not pay an invoice that is not itemized, especially if I have never done business with Transworld or the debt they are allegedly trying to collect in the place of    XXXX . I have not used  XXXX  in recent memory.
they do n't have a number to contact them by. Google them and the company is out of business? Can not find anything else on this one please help!!!!! 
Thank you,
In XX/XX/2015 I reported to the credit bureaus ( XXXX and TransUnion ) that I did not authorize XXXX., to run my credit with any banking institution for credit on a new vehicle. I gave XXXX permission to run my credit and I told them if their financial institution could not finance me then I do n't want the vehicle. I was informed by my sales Representative XXXX. that my credit would not be sent to other financial institutions. But I found out later that was a lie, when I pulled my credit report it had four inquiries ( XXXX, XXXX XXXX, XXXX Bank and XXXX ) I did not give permission to run my credit. I wrote XXXX and they did not respond to my request for them to contact the financial institutions and have them to remove those inquiries of my credit report. These inquiries are hurting my credit and me and my husband have put off building a home due to these inquiries. I have given them more than enough time to remove these inquiries and they have not. I am attaching a copy of a signed receipt from XXXX where they did receive my letter to have these banking institutions to remove these inquiries.
took a loan out for XXXX spring leaf financial advertised on XXXX website much lower intrest than I am being charged. loan officer never went over intrest rates with me, just monthly payments. after making 3 paymnts, I notified them. was never told about a credit reopt fee. I filled out the app on website. XXXX % plus is the interest rate. also had to put up television for collateral ;. these people knew way in advance about my financial situation. I called them and told them that the interest rate would have to be renegotiated. or I will not pay the loan. very deceptive business practices.i am XXXX vet. would appreciate some suggestions.
I took my niece to an XXXX when they came to visit in XX/XX/2014. I provided her insurance information but to my surprise, I got a collection letter stating that my insurance, XXXX, refused to cover the cost. I called XXXX and explained that XXXX would not pay because my niece was not covered under my military insurance. I supplied her insurance information AGAIN and thought it was all taken care of. A few weeks later, I started getting embarrassing calls from Transworld Systems Inc., basically accusing me of refusing to pay my debt ( a debt that 's clearly not mine ). At some point, I asked them to stop calling me, then they started mailing me collection letters. I have called them several times, provided my sister 's insurance info, she too has called them but for some XXXX reason, they refused to even listen to her, insisting I am the one that owes them. I have filed a complaint with XXXX credit reporting companies and to this day, the debt is still showing on my credit report. My sister called her insurance and they told her that because the medical center failed to do their due diligence and put in the paperwork, they could not pay the insurance, understandably so, since they chose to bill XXXX rather than the appropriate insurance company. The Medical Center had my insurance info on file because I had used them a few times in the past. I think it 's a bad practice to bill the wrong person/insurance and then refuse to correct their mistake. I am a service member, retiring soon from the military on XXXX, the last thing I want is to carry a bad debt and bad credit reporting into my unknown future, especially when the debt is not even mine. Please kindly assist in this matter. I need them to remove this debt from my credit report and completely remove it from XX/XX/2014 when they started reporting it. Thanks a lot for your assistance.
filed for Bankruptcy in XXXX. Still getting call from collection agency attempting to collect on XXXX XXXX loan. Have a XXXX form sent from XXXX XXXX for cancellation of this debt. Received a call from XXXX Service.wanting me to pay this. spoke with XXXX XXXX XXXX, phone XXXX they called XXXX. Then on XXXX received a call from XXXX XXXX with XXXX XXXX saying I was being sued for check fraud by XXXX XXXX. Explained to this person that this has been canceled in bankruptcy, also faxed the dept cancellation form from XXXX XXXX. What can I do to stop these call. Every XXXX XXXX months I get these calls. XXXX phone XXXX. Your help is appreciated.
I was one of about 143 million US citizens affected by the Equifax security breach reported on XXXX XXXX. I have checked and the website that tells users if they were affected or not and they believe my information was compromised.
This item is wrong and inaccurately reported on my report for a while now under different names, first started with XXXX, then XXXX XXXX and now it 's listed under Southwest credit system. 
I 've contacted XXXX & XXXX in writing and requested a permanent removal to this item since it does n't belong to me, the mailed me back that the item remains and they did n't include any proof to support their investigation or any proofs pairing signature that the item belongs to me. 
so, I contacted them again in writing requesting from them to provide a solid proof pairing my signature as proof of my ownership to this account, yet the failed to provide anything or documentation pairing my signature and they still stated the item remains on my report. 
XXXX wo n't give me any answers or access to learn about the account since it 's not mine. 
I 'm writing to CFPB today requesting to press a serious action against XXXX. 
for their incompliance and violation of the FCRA, unless they are willfully give a fair investigation to this matter, provide any documentation pairing my signature or solid legal proof to my ownership to this account, and if they are n't able to provide any of the above then they should permanently delete this item off of my XXXX credit bureau reports with no reinsertion even if the same debt comes back with different entity collection. 

the collection or debt info is : Southwest credit system/XXXX account # XXXX balance : {$1000.00}
Ok XXXX XXXX XXXX XXXX in XXXX XXXX XXXX XXXX va XXXX they keep calling me about a item or debt that I have no knowledge and Im unaware of the so call debt they are talking about ... I asked them to verify it and send me the original contact to me with my signature and my ss number and my address they wont do it I ask for this in writing they wont provide me with this information. They refused to send it to me.. but they keep calling me and harassing me and I cant take it nomore ... I asked them to take me off there calling list but they wont stop PLEASE HELP Me
I had opened a XXXX bank account back in XXXX using promo code XXXX. This promo code granted you XXXX thank you points after you make at least XXXX bill payment for two consecutive months within 60 days of opening your account. The bill payment has to be initiated from your online account at citi.com using their own bill payment system and it has to be an external bill. 

When i called citi to open the account i told the rep about my code, and he said it should not be a problem. He informed me it would be easier to fill out the application online. I did this, and submitted the code for the promo. Fast forward to XXXX, i have met the requirements, and confirmed with custer service chat rep ( see attached ) they inform me the points will post sometime in XXXX. I send a message to citi askign when my points will be deposited as it is now XXXX. They do an investigation, and tell me since i was not targeted for the offer i will not receive the points, even though a representative from their company told me i would. 

I have since been paying XXXX a month for this bank account, and they refuse to honor the promotion. I am seeking the XXXX Citi thank you points.
Citibank returned my payment made by check for no reason and proceeded to charge me a late fee. I had the funds to cover the check and the representative lied and said my bank returned the check to them. XXXX of the vice presidents at XXXX XXXX XXXX assisted me with a XXXX call to get the matter resolved. I feel they tried to defraud me, a XXXX, by returning my check and could not provide me an explanation and charged me a late fee. I wonder how many other seniors they do this to???
After relentless effort to have an entry removed from my credit report as it is IN ERROR, the Florida OFR was FINALLY able to get the company XXXX XXXX to admit their error and agree to delete from my report. In a letter dated XX/XX/18 from XXXX, a request for deletion to all 3 credit bureaus was submitted. Ironically, Equifax is the only one who has NOT removed the derogatory information, It has been almost 4 months and it still remains. I honestly believe this CRA gets a thrill or may be a kickback of some sort by NOT removing negative information albeit INACURRATE. I had previously disputed with them on several different occasions and item always came back as verified accurate. Funny that the company has admitted otherwise ...
Hello, My credit report was dropped due to these 4 companies Cap One, XXXX, XXXX XXXX, and XXXX. My account was on security lock monitor during the inquiries.I am very disappointed because my credit was ran without permission, Capital one was suppose to pre-approve a card to up my credit instead it was ran numerous time.All 4 company didn't suppose to check my credit.
I made a request in writing to this lender to stop calling me at my home, cell and place of employment but they still continue to call me non stop.
I inadvertently overpaid my Bank of America credit card. When I called to get a reimbursement for the overpayment they refused to reimburse me for several days and insisted I would have to call again after 3 business days so they could verify my payment. The payment was already posted from my bank account. Overpayment was {$1300.00}
I had a credit card with Chase Bank. Chase reported it, correctly, as a Charge Off in XXXX XXXX. On XXXX XXXX, XXXX Chase cancelled the debt, wrote it off as a loss, and sent to me a XXXX Cancellation of Debt form. I had to count the $ XXXX as income and pay taxes to the Federal and State of Ohio 's government on it. However, Chase kept reporting this as a charge off each month despite the debt being cancelled. I submitted to each agency the correct information and they cleared it off my credit report. Chase then reported, again, on XXXX/XXXX/XXXX that I still owed the debt to them on my credit report, despite them writing the debt off as a loss, placing it back on my credit report. There should be no reporting 's from Chase after XXXX/XXXX/XXXX. 
I have spoken with people from Chase repeatedly and the response I get is that I still owe them the money ( despite them reporting it as a loss ) and then he tried to collect the debt from me.
Dear Sir/Madame
I applied for a loan with Bank of America, XXXX didn't explain for me that I will be asked to repair the house even before my loan approval. Also, I have been mistreated by my loan mortgage specialist XXXX. 
After the XXXX appraiser report I contacted XXXX the boss XXXX. I explained to him my situation, and he proposed to contact the appraiser agent to talk about the house. Then, XXXX told I will need  to fix just the safety issues which are fix the wood floor in the living room, fix the ceramic flooring of the kitchen and the bathroom, the XXXX rail for the stairs to the roof, and replace the deck. Even though, it was hard to get in the house because of the seller's bank kept changing the lock of the front door, I fixed all this issues. Therefore, I did all requested repairs.
I got surprised from the XXXX appraiser report, because it's asking me to fix some ridiculous thing such as facing still missing, not finishing drywall.  The real problem is XXXX got this report on XX/XX/XXXX  My real estate agent XXXX kept asking her for it, but she kept telling him she knew nothing about it. She released the report just a few days before the closing, so I can do nothing . By her actions, she took away my right to make a decision about something very important to me. I mean, by hiding this report until the last days, she put me in hard position. Now I don't have enough  time to do anything about this matter.
In the end, I've fixed what I have been told to fix.  XXXX hurt the feeling of my real estate agent XXXX and mine as well by treating us like we were in a primary school on the XXXX century. Also, she made me lose my money, my work, the help of many friends gone for nothing, and my time as well.

The appraiser inspection with evaluated the house XXXX more than the loan priceXXXX$.
 I spent for it almost XXXX plus I paid down payment of XXXX
In  XX/XX/XXXX  I hired  a licensed builder to add an addition that included a garage, bedroom, bathroom and bonus room to our home. The builder contracted a licensed  architect ,  XXXX   XXXX  to draw up plans for the new addition. The  Plans  were finalized and signed by    XXXX   XXXX   in  XX/XX/XXXX .   <P/> Meanwhile I contacte d   XXXX   XXXX   of Prime Lending in   XXXX  , NC in  XX/XX/XXXX  to start putting together a construction loan for the new addition. The construction loan documentation was completed and the closing was in  XX/XX/XXXX .   <P/> The town advised us that we needed to   replace the septic. My current builder   XXXX   XXXX   had no experience septic builds so in  XX/XX/XXXX  I terminated my contractor   XXXX   XXXX   and hired   XXXX   XXXX   friend   XXXX   XXXX   who is a licensed builder already vetted by Prime Lending to complete the addition because he was more knowledgeable about septic builds.
<P/>  Draws against the construction loan were taken to pay for : the time the original builder put in a new septic to accommodate the additional bedroom and bathroom a new water heater.  <P/> On   XX/XX/XXXX ,  XXXX  co ntacted me via text saying that a problem came up with the town. It turned out that the current setback did not accommodate the new garage addition. No one checked with the town during the drawing up of the plans.   The builder,  XXXX , drew up a new addition that was aesthetically disappointing and did not include a garage.  <P/> In   XX/XX/XXXX , I  contacted  XXXX   XXXX  and told him that the construction money would have to be paid towards the mortgage principal because we could not go ahead with the addition. He stated that this was the first time theyve ever done this so they will have to research to find out what to do but his underwriter did not contact   XXXX   XXXX   for direction un til Mid- XX/XX/XXXX .   <P/> I filed a complaint with    XXXX   XXXX   in  XX/XX/XXXX  but they have not resolved the issue I am paying interest on {>= $1,000,000} that is sitting in an account making Prime Lending money when it should have been transferred to my mortgage loan principal in  XX/XX/XXXX  when I first made the request. Repeated status requests to Prime Lending get me nowhere. It seems that they are happy to let my money sit in their account earning them interest while I pay interest on money that I have no control over.
DIVERSIFIED CONSULTANTS INC reported to my credit report XXXX XXXX XXXX. After purchasing the debt ( {$1200.00} ) from a collection agency ( XXXX XXXX XXXX ) who was not authorized to report on my credit due to having invalid information. I was never notified to the debt being sold or my right to dispute. I understand I am supposed to have 5 days but I was given none. The original debt was from XXXX in XXXX with the amount of {$540.00} being owed. None of the information Diversified Consultants inc is reporting is accurate, along with the fact that I was never notified.
XXXX has turned over an account to collections that I resolved. I moved, and they did not have service in the area I moved to so I cancelled my service, and dropped my equipment off at their drop off box on XXXX XXXX. I do not owe the debt they have turned over.
XX/XX/XXXX I had XXXX as my cell phone and internet provider. There was a break in service which came from a tower issue. My fiance needed the internet for her business ( which is XXXX ). The service was interrupted for XXXX days, even though XXXX had been contacted daily ( and sometimes several times a day ), causing my fiance to lose clients and thus, money. This caused a financial hardship for her. After the XXXX day, we were forced to shop for another internet provider. XXXX was advised, but continued to bill me for the service, as well as late fees and early termination fees.
I have unauthorized inquiries reporting on my XXXX report. I have contacted the XXXX XXXX and Capital1/XXXX as well as XXXX for the six inquiries and still no results.

1. XXXX Capital/XXXX   2. XXXX 3.XXXX XXXX 4.XXXX XXXX 5. XXXX XXXX   6.Capital1/XXXX