WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2017, I went to XXXX XXXX to make a purchase because I had gotten some coupons in the mail ( which can only be used IF you use your XXXX XXXX card ). Knowing that I had not used the account for a while I went to the store with the only XXXX XXXX card I had. the sales rep that helped me throughout my purchase ( I am sure she was getting commission for the sale and anything else that happened ) asked me for my XXXX XXXX card, which I gave to her. She ran it through and said the account was not active. I told her that I knew that I had an active account because I was still receiving the coupons and I had made a purchase within 6-12 months but I did n't recall exactly. The rep advised that she could not find any active accounts under my name and asked if I wanted to submit an application for a store card so I can use my coupons ( 25 % off sale ). I said yes. As soon as I completed the application on the pin pad, the sales rep tells me " I found your account! '' printed a day-pass ( that acts as a bar code for my card ) and said that if I had n't received a card for this account to call customer service for it, which I never received the card. What seemed to me was a weird transaction became even worse when I received an adverse action letter from XXXX XXXX credit advising that I was not approved " because I already had a XXXXXXXX XXXX account and I could not have 2 open ''. I called XXXX XXXX credit, advised of the entire situation. The issue is, that if the sales rep would have completed their due diligence PRIOR to the application, I would not have submitted it and I requested XXXX XXXX to remove the credit inquiry. The rep on the phone said no, because I submitted the application, which is n't the issue. It seems, that the rep does not understand the concept of Unfair and Deceptive Acts in order to have a customer submit a new credit application ( when in fact it was not needed! ). I know the sales rep got commission for my purchase, but also makes me wonder if they get credit for submitting credit applications. Again, if the rep would have reviewed my profile thoroughly BEFORE making me submit an application, she would have found my ACTIVE account and the application would not have been needed. I believe this is negligence on the XXXX XXXX rep side and because of it the inquiry should be removed. They are in clear violation of UDAAP by not doing their due diligence in finding my account before they made me submit the application.
This is sequel to complaint number XXXX.Bank of America is contending that the direct deposits made on XX/XX/XXXX and XX/XX/XXXX were from " brokerage firms, over-the-counter deposits, and funds transfers ; all of which were not considered as qualifying direct deposits ''. This is not true, the deposits were from a retirement account which is a regular source of income for me. In terms of the Bank 's letter reference number XXXX dated XX/XX/XXXX addressed to me, income from a " retirement '' account was considered a qualifying direct deposit.
XXXX XXXX 2017 {$520.00} Credit limit is {$200.00} Sent proof of receipt payments that rental was being paid through XXXX XXXX. Allowed rental company to recharge and go over my credit limit of {$200.00}.
First, I want to disclose that XXXX and XXXX both have removed this collection from my accounts. XXXX completed their investigation and still has it open. The Amount is {$3100.00} to XXXX XXXX XXXX. The final bill includes {$1100.00} charge for Insufficient Notice Penalty. I have 60 days notice as requested and have the letter of notice. I was also charged {$110.00} and {$97.00} for Water. My water bill NEVER exceeded {$35.00} per month. I requested in writing via Certified Letter copies of those water bills, I was not sent them. Nor, was I sent an explanation of the Insufficient Notice Penalty. If this is not resolved, I will file a law suit against XXXX XXXX XXXX and XXXX. I sent XXXX proof of notice and copies of the Certified Letter requesting copies of Water Bills. I honestly do not believe they investigated this. As stated, the other XXXX credit bureaus promptly removed this from my credit report.
I did n't have any knowledge ( That i can recall ) that XXXX sent a debt to a collection agency. I currently have service with XXXX/XXXX and have had this service for over a year. I called the collection agency because they are reporting it as paid but it is still hurting my credit. They said that they cant remove it. I called XXXX and the first attempt they stated that they had no acknowledgement of it and I even spoke with some in their risk management dept. This was back in XXXX. They told me to call the collection agency to get it removed and they stated that they could n't. I told them that I never paid the Collection agency anything and that I restored my services with XXXX so everything was paid. So recently I tried again to contact XXXX to see if they can report or send notice to the collection agency to remove it since I currently have service with them and was n't aware of them sending something to the Collection agency. They escalated the ticket and I received a phone call stating that even thought I am a " valued customer '' and that it is paid that they wont send them a noticed since it was once put in a bad debt status.
I have disputed on more than one occasion and for the past several months an account I had with XXXX that is listed on my Equifax Credit Report. Equifax continually lists my account Status as Account Included In Bankruptcy ; Type of Loan Charge Account ; Whose Account Individual Account ; ADDITIONAL INFORMATION Bankruptcy Chapter XXXX ; Bankruptcy. It should be noted that I settled the debt on this account directly with the creditor prior to filing bankruptcy and so I never had a reason to include it in my bankruptcy. Despite the fact that I have filed disputes and sent Equifax proof that my account was never included in bankruptcy, Equifax continually ignores my disputing this account and has exhibited this behavior and negligence to me over the past several months. They never provided me with any detailed explanations with regards to how they determined status on this account and they have refused to correct it despite what I tell them over the phone or through online disputing.
On XXXX/XXXX/16 at approximately XXXX a debt collector representing Atlantic Credit and Finance calls a third party ( my brother ) and shares confidential information regarding credit card debt that I allegedly owe to the company. The debt collector asked for contact information regarding me and my place of employment as well as a personal cell phone number. After he received my personal information the debt collector calls me without identifying himself.
Upon being denied from a lender for " multiple inquiries '' from Equifax report, I decide to check my reports from all credit bureaus for accuracy. I have realized that there were a few credit inquiries on my Equifax that I DID NOT authorize and had no knowledge of. I contacted Equifax and had no relief. Please see that the following inquiries that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation none of these companies received any identification or authorization from ME to pull my credit for any reason.      1.   XXXX   XXXX   XX/XX/XXXX   2.    XXXX   XXXX   XXXX    XX/XX/XXXX  3.  XXXX   XXXX   XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX   4.    XXXX    XX/XX/XXXX   5.  XXXX   XXXX   XX/XX/XXXX
I am a  XXXX   XXXX  percent  XXXX   XXXX  an having trouble with Equifax. I submitted the  XXXX  to them to have a collection removed. When I called they told me to fax it to them as I did and was told it would be removed in   XXXX   XXXX   hours. I wait  XXXX  days and it was still there. I called back and then they are refusing to remove it and saying they will just keep it in my file.
I co-signed for my son 's Honda with Honda Financial services. His XX/XX/XXXX payment bounced. We were not notified until the account was past due. I  immediately made the payment when I called Honda Financial services. My credit was compromised by 70 points. 

It was irresponsible that I did not receive notifications of the bounced check. Honda would not take recourse for their actions. Honda does not notify the co-signer of bounced checks or payments that are going to be late yet they have no qualms in destroying the co-signers credit for one late payment since XX/XX/XXXX.
I want the late payment taken off my credit report or I will go to the news.
I received an email alert from " XXXX from XXXX XXXX '' of a negative reporting in my credit report by " DIVERSIFIED CONSULTANTS INC., PHONE # ( XXXX ) XXXX XXXX ''. I immediately called that number and I learned that it is a debt collector acting on behalf of XXXX and I explained that I did not owe them and that this matter had been resolved via a former complaint to the CFPB. Upon checking my credit report, I came to realize that XXXX is again asking for a {$410.00} overdue payment. In response to that earlier complaint ( Case number : XXXX ), here is the specific response by XXXX XXXX XXXX from XXXX which handled the claim by XXXX : Please be advised that I have thoroughly reviewed the above referenced complaint. XXXX XXXX XXXX XXXX XXXX is a collection agency which performs collections sevices for XXXX in association with a collection claim on a defaulted account. 
XXXX XXXX is listed as the responsible party and all communication from our office has been in regards to the defaulted account. Per your complaint, a deletion from your credit file has been processed on XXXX XXXX, 2015 and the account has been returned to our client. You will receive no further communication from our office regarding the defaulted account. 
On behalf of XXXX XXXX XXXX XXXX XXXX I want to apologize for any inconcenience that this may have caused you. If you have any further questions or need additional information feel free to contact me directly at the number listed below. 
Sincerely, XXXX XXXX XXXX do not owe XXXX any outstanding overdue balance and the facts for this declaration were clealy detailed in my earlier complaint, Case number : XXXX. Additionally, the FTC in its online bulletin dated, Wednesday, XXXX XXXX, 2015 declared : " FTC Charges XXXX with Deceptively Advertising the Cost of Its Satellite Television Service '', which is indeed partially at the core of their claim that I owe them noney.
I signed up for a service that was only available to " Accredited Investors '' per rules of the SEC. This service had an " automatic '' annual renewal and the end of the subscription year. I did not receive any notification prior to the renewal date nor did the company in question seek to verify my status as an " accredited Investor ''. I canceled this subscription after learning of charges being posted to my account. Chase has refused to credit them despite the deceitful and illegal practice of the vendor
I recently discovered XXXX accounts reported on my credit report from a company call Alcom. I didn\\\'t recognized those transaction and i filed a disputed. While in dispute Amcol send me two letters requesting payment from medical bills incurred by XXXX XXXX. this letter that came in the mail violated the debt collection act the provided any debt collection agency from contacting a disputer when the deb is in dispute. The act provide penalties for companies that violate the statute. however this company stated that they don\\\'t go by the debt collection act. they said they only go by their company policy. Furthermore, this debt does not belongs to me. This medical bill belongs to XXXX XXXX and they should charge or attendt to collect the bill from her. I never sign any documents nor summed responsibility for any bill of anyone. I demand Amcol to immediately remove the information from all credit report agency affecting my credit between 30 days. failure to comply they will be subject to all penalties by law and actual damages not limited to punitive damages for acting with knowledge and malice. XXXX company is required to act diligence in verifying the debt. they do not have not right to collect debt from anybody else that have not incurred the debt. XXXX
I have a loan with CAP ONE AUTO. 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, XXXX  and CAP ONE AUTO with no successful resolution. XXXX, XXXX and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX.
I, XXXX XXXX purchased my home in XX/XX/XXXX. After sixteen years of ownership and living in my home with several mortgage holders over the years, my mortgage was turned over to Select Portfolio Service , Inc ( SPS ) in XX/XX/XXXX. Due to the Nevada housing bust during the recession, I was offered a loan modification by SPS to lower my APR rate and mortgage. So, I applied for the loan modification however, the modification process has taken a very long time processing. Ive been asked to resubmit the required forms over ten different times for one reason or the other. Finally three months ago I was fortunate to get some assistance from a very helpful SPS agent XXXX that offered his time to assist me through the whole process on their website to make sure no mistakes were made on the required forms. This time after all the required forms were submitted properly, I was informed that I didnt qualify for modification due to the fact that my income was too low to cover my mortgage! So, I requested a breakdown of my mortgage balance at first they said that my account information was Interest Bearing Principal {$220000.00} and Deferred Principal {$350000.00} Totaling at {$570000.00}! When I called and question this outrageous amount after all these years of living in my home and paying my mortgage, they instructed me to put my request in writing which I did and now they have come back to claim that their figures are not only right but the Itemization shows that I owed {$620000.00}! Ive been asking for justification for how I came to owe more than three times the original amount of my home after sixteen years to no avail. 

I do have supporting documents to my home ownership! Yes, there have been late payments during this modification process but owing 3 times the amount of the original cost of my home is not right or fair! I was informed that I may be a victim of a predatory lending and to seek CFPB assistance. Thanks for your assistance in this matter! 

Yours Truly, XXXX XXXX
An application was submitted to remove the co-borrower and the financial institution sent a denial reason that is n't supported. JP Morgan Chase recently changed servicing companies. The co-borrower removal application was submitted prior to the change however, Chase sent the servicing company the application. The servicing company is the company who denied the application however that company was provided all the records of loan payments. The reason I say this is because all loan inforamtion was viewable on the online banking system and close to the change everything was no longer viewable due to the servicing company. In addition, during a phone call with the servicing company the customer service representative I spoke to was able to tell me that she could see I made the consecutive payments required. This is an unfair banking practice and I have supporting documetation to provide that shows the denial reason to be false. I also requested all payments made to the loan be sent to me since that information was no longer viewable on the JP Morgan Chase online banking and is n't available online with the servicing company. This information was never provided. In addition under JP Morgan Chase the loan was under automatic withdrawal payments and the statements did not reflect the accurate interest rate since the loan qualified for a discounted rate. This is confusing and deceiving practice therefore I would like detailed information to determine if I was accurately being charged interest.
I sent a dispute letter to experian requesting that they remove inaccurate information from my report and within 30 days they would have to furnish proof that the info was mine or delete it. They sent me a letter stating they were not going to investigate those items. The 30 days have expired and I want them removed from my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX
I have been working with SWE Homes in Texas. I purchase a mobile in XXXX and placed on some land in XXXX, NC, I sold the land and mobile home to someone and they defaulted on the land contact and purchase owner financing of the mobile with XXXX XXXX XXXX. After not being able to locate the purchaser, I tried to contact XXXX XXXX XXXX, I then later found out that XXXX land had file for bankruptcy in XXXX. In XXXX Through research I found out SWE Homes now owns the land. For months I emailed SWE I all written correspondence, inquiring about the loan in order get the home and land back on track. We no success, I find out that SWE Homes / XXXX XXXX now wants to foreclosure on the home. They did not contact me with any alternative plans, no loan modifications, not work out program. They would not respond to my emails or phones call. I never once, hide and disputed the obligation.
Transunion is reporting an inaccurate address and name for me. 
I never lived at XXXX XXXX XXXX XXXX VA, and my name is NOT XXXX XXXX XXXX. 
I have disputed this and it is still on my credit. 

XXXX is also reporting an invalid name on my credit report. My name Is NOT XXXX XXXX XXXX I have disputed this already and they are still on there. It is affecting my financing and needs to be fixed asap
Dear Team, I have a long standing relationship with PayPal and have been using that account for all my transactions ( Pretty much all online ). lately since the beginning of the year 2018 I had established relationship with Mrs XXXX and Mrs XXXX via PayPal and engaged their specialized services. I was rest assured about my money coz its PayPal protected and I was confident because PayPal has all legitimate sellers and buyers and they protect against any delays or issues in the transaction.

Nature of service I had with both Mrs XXXX and Mrs XXXX was time sensitive and results were 100 % assured and due to issues with initial estimates they had asked me to pay more over the period of last 10 months and as I was really in need of the service to work I did comply with them. 

But my patience wore off and now am at the end of the rope. the service was due way back in XXXX but it kept getting extended out. my last payment towards this service was made in the month of XXXX and I lost all hopes of getting this to completed. Thus I reached out to Mrs XXXX and Mrs XXXX to reach an amiable solution but they were unresponsive. in despair I reached out to PayPal but apparently they can not go beyond 180 days. which I was neither aware of nor feel its appropriate coz its for the same service. 

Thus I request PayPal to look into this matter as the transactions were for same purpose and spanned across 10 months due to the nature of the service and it was done to same 2 people and now I did not get the intended service. the total transactions are 36 and total amount transferred {$8000.00} Thank you
Please help me ... i am a   XXXX  year old   XXXX  man from   XXXX   XXXX   of 25 years. I really want to keep my home ... I submitted my loan modification paperwork with all docs and today they advised me that i waited to late to send in my paperwork. I talked with an attorney and he advised me to file a complaint with you guys and to file a debt validation because i was within my 30 day time period. Please help me to keep my house. I do n't know what i am going to do
On XX/XX/2018 I applied for an American Express Premier Rewards Gold Card. Prior to submitting the online application there was a pop-up saying that I was ineligible for the sign up bonus because the system thought I had received this offer previously, when I have not. I called American Express Customer service to confirm that I have never previously received this bonus, and they confirmed to me that I was indeed eligible for the sign up bonus ( XXXX MR / {$2000.00} spend ). The representative claimed that the system improperly marked that I had previously had the card because I was put as an authorized user on my wife 's own Premier Rewards Gold Card. They confirmed that being an authorized user would not  prevent me from receiving the sign up-bonus. After being assured that I would receive the bonus after applying and guaranteed that I would receive the bonus via phone ( XX/XX/2018 ), I submitted my application. After being approved, I Live Chatted with a representative to make sure that the offer was attached to my account. The offer was not attached to my card, and an investigation was opened to resolve the issue. I was told that since I was reassured via phone call ( again XX/XX/2018 ) and guaranteed that I would receive the sign up offer, I should have no issues. I was told to wait a few weeks while the matter was being investigated. 

I have checked back in with American Express Representatives many times in the past month to check the status of the application.Today XX/XX/2018 I checked the status of the investigation again and was told that I was denied the sign up bonus. When asked the reason they claimed that I have misused the offer. I only just opened the card and have only 1 other credit card with them ; I have never misused any offers. When I asked for them to be specific, they were unable to provide any details. They told me that they can re-open the investigation, but I would have to wait 6-8 weeks before I could check back in to check the status of the investigation. When asked to escalate the issue, because I have already waited a month, they insist that they can only have me wait another 6-8 weeks before I can hear back. 

I feel as though American Express business practices are very deceitful. I was promised I would have no issues with the sign up bonus BEFORE applying and the representative said that I would " 110 % receive the bonus. '' After reassuring me to apply, and that I was eligible, my account had no offer attached and now after the investigation they claim that I have misused the offer. When I asked for them to clarify how I have misused their offer, they are unable to provide any specific details as to how I misused their offer. They claimed that they would re-open the investigation and want me to wait 6-8 weeks before they can tell me what they should have already investigated.
I've filed Bankruptcy in 2017 and there was a debt, XXXX XXXX, that was included in my bankruptcy. On my credit report, it is listed as a collection with an outstanding balance which is included in my Chapter XXXX Bankruptcy. After 3 attempts to dispute the item and even provided supporting documentation for the item, XXXX, XXXX and Equifax continue to allow the item to remain on my credit report. I've demanded them to re-investigate the item and they refused.
I attended XXXX College in XXXX, VA. They promised students the world. The program was so unorganized and the tuition ended up being thousands upon thousands higher than originally quoted. No one in the FA department could ever explain the fees. During class they would pull you out to discuss overdue bills. The program closed down within 3 years. I was forced to not only max out my federal loans but had to take out additional private loans through their affiliate company.