WillisBack/dataset-financial-user-claim huggingface dataset:
Attention : CFPB  Re : AMEX BLUE FOR BUSINESS   XXXX  Back in  XXXX ,  Am  ex Blue  ran a promotion that offered  XXXX  points after first purchase and  XXXX  for the first {$2000.00} spent in restaurants in the first 6 months. I was not familiar with this card initially but when I saw the generous offer advertised online, I applied for it and eventually got approved. For the past  XXXX  months, I had been spending a lot of money towards restaurants ( almost {$1 000.00} ) w ith the intention of maximizing this bonus. A few weeks ago, I decided to check my profile to monitor the bonus that I had received so far. To my dismay, I learned that I was not getting the restaurant bonus I expected to receive. I made a total of  XXXX  attempts to rectify the issue, including requesting for the case to be escalated and explaining to a supervisor my concern. All attempts have been futile.  AMEX  kept on telling me that I applied for an inferior bonus, which only provides  XXXX  after the first spend. I had tried to explain where I am coming from.   a. First off, why would I, with my intact judgment, apply for a much inferior bonus? I know the credit card that I applied for. I would not have applied for this credit card and risk impacting my  XXXX   XXXX  if I were only getting the  XXXX  bonus. It was just not worth it. However, with the generous bonus, I felt compelled to sign up.   b. If I applied for the inferior bonus of  XXXX  after the first spend, why did I continue to spend a lot of money the next  XXXX  months in restaurants? I could have easily just bought a bottle of water, get the bonus, and sock away the card. My spending behavior points to the fact that I was under the impression that I am getting the  XXXX  points/dollar in restaurant spend because that was the credit card I applied for. I have a few other credit cards that would have given me a restaurant bonus but I still chose to use this card.   c. I applied for this credit card during the promotion period, which ran until the end of  XXXX . As I had mentioned, I am not familiar with this card and had no idea they offered multiple versions. I know for a fact that I applied for the generous bonus because I would not have done it if I were only receiving the paltry  XXXX  points after the first spend, when there are other superior offers available out there.   d. I have been applying for credit cards for many years. I know what I applied for. I have no idea what happened with my application but  AMEX  kept on telling me I applied for the same credit card with a significantly inferior bonus. That was so difficult to understand, but evidently, something occurred that was beyond my control between my online application and the system that approved it.   e. I will not be devoting so much time, calling 3 times and writing this letter advocating for this cause if it were not the right thing to do.   Thank you so much for protecting us, CFPB.
There was an unauthorized hard inquiry made by XXXX/XXXX XXXX XXXX XXXX on XX/XX/XXXX.

There was also an unauthorized soft inquiry made by XXXX XXXX XXXX XXXX on XX/XX/XXXX.
On XX/XX/2018 I received a solicitation in the mail to apply for a XXXX XXXX credit card issued by XXXX XXXX. They were offering {$75.00} bonus money if I spent {$500.00} in the first three months ( {$25.00} credit with my first purchase, {$50.00} after spending the {$500.00} ). I applied online and was approved on XX/XX/2018. I received and began using the card on XX/XX/2018. I received the initial {$25.00} bonus credit from the credit card company on XXXX-18. On XXXX-18 I had charged over {$500.00} and paid the amount in full on XXXX-18. I have not used the card since then. I waited to receive the second bonus payment of {$50.00}, and when I didnt receive it, I emailed the company on XXXX-18 and again on XXXX-18 asking where the bonus money was and was told they would look into it. On XXXX-18 I received a letter in the mail stating that my request had been processed and to allow up to two billing cycles to receive my credit. I finally received the credit to my account on XXXX-18. On the same day, I tried two different times to use my credit card to spend the {$50.00} credit and was told my card was declined. I called the customer service number on the back of the card, and after going around and around in the automated loop for what seemed like an eternity, I finally reached a real person. She said that my card had been blocked and she would transfer me to the department that handled that. When she did, an automated message said that number is no longer in service and it disconnected. I just went online trying to access my sent messages to get the correct dates to file this claim, and for no reason it logged me out. I believe I am getting the runaround because I no longer use the card, and that they are purposely making it impossible for me to get the bonus money that they owe me.
Someone wrote a check and deposited the check into my Bank Of America checking account in XX/XX/2013. I reported it as Fraud transaction. Bank Of America never got back in touch with me about this. I now can't open up an account with no bank because of this. My name is XXXX XXXX.
I was a victim of identity fraud in XXXX XXXX, at which time XXXX credit inquiries were made to Equifax but not authorized by me : 1 ) XXXX XXXX XXXX XXXX on X/X/2017. 2 ) XXXX XXXX on X/X/2017. <P/>On several occasions I have sent information to Equifax documenting identify theft and have enclosed letters from both XXXX XXXX XXXX and XXXX which verify that these inquiries were fraudulent. I will upload the documents I have sent. <P/>Each time I receive a nonsensical reply from Equifax that truly indicates that my concerns were not taken seriously. Equifax is quick to add this information to my credit report but is refusing to remove it despite evidence that it is fraudulent. <P/>Equifax needs to remove these two fraudulent inquiries promptly. They are having a negative impact on my credit score. <P/>Thank you. <P/>XXXX XXXX
I have tried to get information from XXXX for several years and have not been able to have student loans on my credit report verified. I have asked for promissory notes, information regarding the opening of these accounts and for all information being reported to ALL three credit bureaus to be verified and reported accurately.
Some time ago I was ordered to appear in from of Judge regarding these student loans, after an information hearing and subsequent status hearing the case against me was dismissed per the Judges orders.
Moreover he also stated that even if XXXX was able to prove the account ownership ( which they ultimately dis not ) the statute of limitations has passed.
After the data breach/hack on XXXX, I went into all three agencies to freeze my credit. Both XXXX and XXXX made this process very simple and fast ; a couple of click of the mouse and it was done/locked, secured. However, when I went to secure on TransUnion 's web site, it kept taking me back to their paid for credit monitoring service ( they want {$19.00} per month to monitor/freeze my credit ). When I called, their agent ( XXXX ) explained to me that that is a part of the credit monitoring service and if I just want to freeze my credit, he would have to transfer me to another department. Low and behold, we were disconnected. 

I have since found out that the only way I can get TransUnion to freeze my credit is by sending them a letter, via USPS, with the following information : - full name, including middle initial - complete current address and previous addresses for the past two years - social security number - proof of identification ( e.g. photocopy of your valid driver 's license, passport, state ID, military ID, or birth certificate ) - address verification ( e.g. utility bill, cell phone bill, pay stub. Do not send a credit cards statement, magazine subscription, voided check, or lease agreement ) - payment ( check, money order, or major credit card ) Now, say I send all this information, via USPS, and it does not reach them but it actually falls into the hands of a dishonest person - my ID has been stolen. 

Why do they have to make this so hard? I 'm trying to do the right thing and they are making it very complicated. Make no sense to me. 

Thank you for your time XXXX XXXX
XXXX XXXX was supposed to remove this fraudulent trade as of XXXX per their response. It has been removed from all CRAs with the exception of Experian. Please remove ASAP!
I used a credit repair c ompany (   XXXX   XXXX   XXXX   ) w ho promised to get me into a home. I am filing a separate complaint against them, but this one is about the credit bureaus and them not removing the disputes that  XXXX   XXXX   XXXX  filed on my behalf. I have called and sent letters on  XXXX / XXXX / 2017 ,  XXXX / XXXX / 2017 , and  XXXX / XXXX /   2017  to all  XXXX  bureaus. They have not removed the disputes as I have requested.
Citibank has my checking account under review and is holding my funds preventing me from transferring money into my other Citibank account which is negative. It has been a week and I have made over 30 hours of phone calls with no resolution. I need my medication and groceries for my family and they will not give me access nor a reason to hold my wifes payroll direct deposit. It is unbelievable that they can do whatever they want and nobody governs their actions. My assumption is the company that the banks formed XXXX XXXX that causes this. To keep their fraudulent company alive they feed the banks inaccurate information causing red flags to go up everywhere and they are completely inaccurate and have no idea how to govern their technology or lack there of. Please assist the bank as you will side with them anyway.
XXXX sold my mortgage to Carrington Mortgage LLC in XXXX 2015. In XX/XX/XXXX, I paid XXXX {$310.00} to cover an escrow shortage. Carrington 's commumincations advised that I had a {$1600.00} shortfall. When I called to discuss this change, they advised that they are allowed by law to hold a 2 month cushion, which I understand. However, when I did an escrow analysis, I determined that they were overstating the shortfall by over {$500.00} because they were *paying* my homeowners insurance, town and school taxes one month before they are due, resulting in over {$500.00} of the shortage. I called and asked how they could pay the bills before they are even sent out, and they replied that the wanted to " make sure the homeowner was not late with a payment ''. While this sounds wonderful, it allows them to hold {$540.00} of my money in escrow in addition to the {$1100.00} cushion, which is {$540.00} that is not available to earn money for me. For example, my homeowners insurance premium is not due until XX/XX/XXXX, but the escrow statement notes that the payment is sent in XX/XX/XXXX. If Carrington does this for only XXXX mortgages, that 's XXXX XXXX in their bank account instead of the home owner 's account. XXXX recently sold XXXX mortgages to this company. If they hold just {$250.00} from each of those customers, that equates to XXXX in funds that have been collected early, and earning money for Carrington. Understanding that the law allows them to hold a 2 month cushion - {$1100.00} ( in my case ) x XXXX = XXXX in Carrington 's account instead of the home owner 's bank. 
I have owned my home for 16 years and never had any issue with XXXX or XXXX. I am astounded and appalled to know that this company is allowed to practice in a way that causes the consumer to remit funds that are not due for up to 60 days. 
I am in the process of refinancing, but after speaking with Carrington 's customer servcie department, have zero confidence that the funds in my escrow account will be returned to me in a timely manner. Reading the consumer affairs reports about Carrington lowers my confidence level even further. By the time the refinance is complete, Carrington will have over {$2500.00} of my money held hostage in escrow. I would like to know if there are guidelines regarding the process to return money in the event of a refinance, so that I have some ammunition when speaking with the Carrington customer service department.
I disputed the previous address information Equifax has listed. I explained in the dispute that these addresses are not related to me and my current address should be the only on listed. Equifax continues to report this information keeping me exposed to fraud. 
Also I have documents from XXXX stating the account they have listed on my profile should be removed. Please update and delete these items right away.
AFNI has reported to XXXX that we owe {$250.00} to XXXX XXXX XXXX but we do not have any past due amount on our XXXX XXXX XXXX bill, our bill is current. I initially noticed that AFNI was reporting this debt to all 3 credit bureaus but I disputed it a few years ago and XXXX   and XXXX both removed it from my credit because it is not a valid debt. I have disputed it with XXXX but AFNI claims that that the debt is mine despite sending them our current XXXX XXXX XXXX bill with my phone number clearly shown. 

AFNI has a terrible reputation for trying to collect on debts that are not valid and I believe they are trying to scam me into paying them {$250.00} for a bill that I do not owe. 

I am happy to submit our current XXXX XXXX XXXX bill to prove that we do not owe them {$250.00}. Not only that, I am quite certain that XXXX XXXX XXXX would have cancelled or suspended our phone service if we truly owed them this money. We have had our phone service with XXXX XXXX XXXX since 2007 with the same phone numbers and XXXX XXXX XXXX can verify this. There is no way we could owe them this money.
There are XXXX medical collection accounts on my credit reports that are not mine. 
I have contacted all collection agencies and they were unable to validate the accounts to my name, last name or even the amount showing on all XXXX credit bureaus report collection agencies are XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Debt Buyer ) XXXX XXXX XXXX
I have several credit inquires on my credit report that were not requested by myself and were given without my authorization  1.   XXXX   XXXX   XXXX   Date Filed   XXXX    Type Credit Unions 2.  XXXX  Date Filed  XX/XX/XXXX  Type Mortgage Reporters 3.   XXXX   XXXX   XXXX   Date Filed  XX/XX/XXXX  Type Mortgage Reporters
XXXX XXXX has violated 15 USC 1692 by continuing collection activity after cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus
Regions Bank is unlawfully reporting an account on my credit report. I was unlawfully " opted in '' for paying overdrafts when I never consented. I received overdraft fees and they charged me fees on a deposit advance product they had, when they said they would n't.
I am in receipt of my Equifax credit reports dated XX/XX/XXXX, I noticed the following credit inquiry on my report : ( See attachment ) The following unauthorized hard inquiry which impacted/lowered my credit score was placed on my credit report by XXXX on XX/XX/XXXX, without my expressed verbal, wriiten consent or knowledge. In addition, XXXX also placed an soft inquiry on my Equifax report on the very same date. 

I immediiately reached out to XXXX and asked verification and removal of the hard inquire placed on my Equifax report. According to XXXX they placed several requests with Equifax to remove the above mentioned inquire. 

I contacted Equifax several times attempted to dispute the above mention inquiry an was told consumers could not dispute inquires. I informed Equifax under the FRCA consumers are permitted to dispute any inaccuracies contained the consumer report/file which included hard inquires. 

Equifax refused to allow the consumer to dispute hard inquiry place on my report also refused to provide the contact information of XXXX i.e. address, telephone which FRCA requires Equifax to provide consumer with this information. 

To date Equifax had refused XXXX and the consumer request to delete above mentioned inquiry with full knowledge this impacts the consumer credit scores. 

I belive Equifax is targeting minorities with this practices to intentionally lower Americans of XXXX decents credit scores. 

This is not the first discriminatory practices of Equifax I have reported to the CFPB over the years and to date you have refused to provide protection to consumers.
Dear Credit Bureau, Regarding the following account ( s ) : XXXX XXXX / XXXX   # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX Federal law requires that the credit report bureaus ( XXXX XXXX, Equifax, XXXX ) that you provide mechanisms to ensure that eachitem on my credit report actually belong to me. If the above are inaccurate, misleadinging, or incomplete, you have violated federal law. I expect you to make a reinvestigation immediately, My social is XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
I make monthly payments and my balance never decreases. It states $ XXXX goes towards the balance when my payments are $ XXXX.
I was defrauded by two companies XXXX-which is under suit- and XXXX dba XXXX dba XXXX. XXXX stole money to pay XXXX, which is in settlement for chXXXX and disputed since XXXX. I had an attorney on retainer. They wardialed me multiple times. This I can prove. XXXX took advantage, scammed me into a bait and switch, slapped digital banners in my face, sent my internet willy nilly an infected four machines, which I had to disinfect. REIGONS, the bank in question is refusing to settle any claim whatsoever. XXXX is doing same on other matters, I am more concerned with my bank and how banks are getting away with more and more consumer fraud and deciet. VISA and MC, even XXXX have policies which these corporations DO NOT ABIDE BY.
I have made several attempts recently on  XXXX   XXXX   2017 , the student loan was transferred and its being paid with   XXXX   and it appears in my credit  XXXX  with a default loan which hurts my credit.
For a billing statement XX/XX/XXXX, I had a due date of XXXX XXXX in the amount of {$100.00}. My payment of {$110.00} XXXX overpaid ) did not clear the bank until XXXX XXXX which made me 1 day late and caused me to have a {$35.00} late fee added to my card. I did not receive a bill in by the XXXX week of XXXX, so I called to confirm that my account had a zero balance ( I was unaware the payment posted a day late and resulted in a late fee ). I was advised of the late payment and associated late fee. I made a payoff payment for {$30.00} over the phone. I later found that no payment had been accepted when I got my statement for XXXX. I immediately called and paid {$35.00} on XXXX XXXX and asked about why the payment never went through when I did it previously on the automated system and they advised me that they could not pull up records for the automated payment system. They convinced me that it was completely my fault. I then paid off the account balance on XXXX XXXX for the amount of {$270.00}. 

I had a payment due by XXXX XXXX before it was considered 30 days past due. I made a payment by phone on XXXX XXXX and I was told the payment went through. On XXXX XXXX I received a letter in the mail saying that the payment did not properly go through. When I called the billing department they told me that the system showed my payment on XXXX XXXX. They also told me that on XXXX XXXX it was found to have had an error and the payment did not go through. My concern is that I did attempt to pay the bill before XXXX XXXX. And if I had been notified by phone ( on the XXXX ) of the issue then I could have still paid the bill before XXXX XXXX. 

After having the issue in XXXX, I have no doubt that I was correct when I believed their automated payment service also messed up with an error for the XXXX " late '' payment. I am now showing a 30 day late payment on all XXXX credit bureaus for XX/XX/XXXX because of this. I have contacted the company several times via phone, email, and mail, but I either get no response or I get told that the automated payment services messing up is my problem and not theirs. The credit limit was also lowered from {$1800.00} to {$100.00} after these issues. I am asking that these blemishes be removed from my account and the credit bureaus.
Upon the end of my service contract with XXXX XXXX I had a balance of XXXX on my account and I decided to go with XXXX XXXX XXXX with a new service contract app on the switch I had made sure I did not owe XXXX any money and after the switch I received bills from XXXX saying I owed money for early termination fees which is not possible considering I switched carriers at the end of my service contract I have tried to resolve this matter with XXXX with no success
I had a XXXX Credit card that was included in a discharged bankruptcy. I accidentally made a payment to that closed account through online banking. I am XXXX and sometimes have trouble with my eyes. After the money was taken from my account I spoke to the bank and found out what happened. I immediately contacted XXXX and was told that Resurgent Capital Services was had the account. I contacted them and was told that they had not received the money from XXXX yet but that I would need to fax a refund request to them. The funds came out of my account on XXXX/XXXX/15 and I faxed my request for refund on XXXX/XXXX/15. I made numerous follow-up call checking the status of the refund. I was finally told that the funds were received from XXXX and that in order to process the refund that I need to fax proof that the funds had been taken out of my bank account. I faxed a copy of my bank statement showing the debit on XXXX/XXXX/15. I called back a few days later and was told that it had to be sent to a supervisor to process. I continued to call and was told that they would email the supervisor to follow up. On XXXX/XXXX/15 I called and was told that usually any payments received are considered voluntary payments and may not be refunded. I explained that I a m XXXX and on a limited income and that this was part of a bankruptcy that was discharged and that the debt was no longer owed and that I had received my form to show the bad debt on my taxes and that I would not make payment for a debt I no longer owed! I was to that a follow up email would be sent and to call back on XXXX/XXXX/15. I called back to find out when the refund would be made and was told that the supervisor said that it would be considered a voluntary payment unless I could prove that a third party made it. I asked to speak to the supervisor and was told that she was busy helping another customer but that she would send her an email letting her know that I would like to speak to her. I was transferred to a voice mail and left a request for a return call. I have not received a call back and based on the past 2 moths experience has no confidence that I will hear from anyone at the company. 
I have been mislead the entire time and forced to disclose my personal information in an effort to recover money that XXXX nor this company is entitled to as the debt has been charged off and cancelled by the discharged bankruptcy.