WillisBack/dataset-financial-user-claim huggingface dataset:
My first experience  with   Sychrony bank was with my TJ Maxx card, they lowered my limit based on my credit score. It was low then so I did n't complain, I just paid off the account and closed it. Next, was my JC Penny account. I have been a card holder with JCP fo r 15 years. I paid off my account in full back in  XXXX  and was informed in  XXXX  that my account was closed. Pe r Sychrony, my credit score  was low in  XXXX   2016 , so they closed the account. At the time they closed the account, my score was  XXXX  points higher than their quoted score in their letter. I have  XXXX  more account  with Sychrony,  my Care Credit account, which I will close so as to not do business with this company or any retail outlets that use th is Company  as their primary credit car d issuing Company. I n the meantime,  XXXX   XXXX  will be getting a majority of my business as their cards are owned by  XXXX  and they consider me a credit worthy consumer, so they raised my limit {$1000.00} for being a loyal customer. My hard earned money and credit will never be spent or utilized with ANY establishments  who use Sychrony in any manner or form when it comes to their business and customers.
XXXX REFUSES TO VALIDATE AND REMOVE AN INCORRECT REPORTING BY XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX , MD. XXXX.
Equifax is reporting a XXXX card that I am an Authorized User on. This is incorrect. I do not know anyone that added me to a XXXX card. I have written Equifax several times over the past few years to no avail.
On XXXX 2016 I sustained weather damage to my residence. My insurance company issued a check for the repairs in my name/lender. I contacted Specialized Loan Servicing damaged property department on the procedure in getting the check endorsed by their company. The representative gave several documents that was required, to do list, that was needed with the check. I mailed the check endorsed by husband and myself with the to do list documents via federal express. I verified the check and documents received by the loss draft department which was received on XXXX XXXX, 2016. I waited several days after not receiving anything in the mail to make contact with the loss draft department of SLS. The representative told me I was missing the XXXX items which was the contractor 's waiver of lien and the signed copy of contract. I explained to the representative that this document was not apart of the to do list given by the first representative. The asked about the procedure again to be sure I understood what to expect next. The rep. stated my check was deposited into an account and once the check cleared a check would be made payable to the contractor and myself. I asked about the interest on the check and she stated its deposited into a non-interest bearing account, so no interest is paid to me nor to the lender. I stated, that really did n't sound like accurate information but.. whatever. I forward the XXXX outstanding documents to them to release the check. I once again verified receipt of the documents, received on XXXX XXXX, 2016 by loss draft dept. I did a follow-up call with SLS, loss draft department again on XXXX XXXX, 2016 informing them the work will be completed on the XXXX and funds needed to be released. I also requested the final inspection from their inspector since the rep. informed me it would take two weeks to get an inspector to sign off. The rep. informed me i would be getting the funds via fedex and provided me with a tracking #. I did not get the funds on the XXXX as promise so another call made on Monday XXXX to XXXX office XXXX XXXX. I explained my problem to his assistance that I 'm trying to get funds released to pay my contractors and not getting any cooperation from Loss Draft Dept. She forwarded me to Executive Services to be told that Loss Mitigation ( Draft ) department is not their area and could not help me. I make another call to XXXX XXXX office today XXXX and was told the same thing that XXXX XXXX can not retrieve my loan information and can not help me. I called Loss Draft to inquire once again about funds. I told them the money was debit from my impound account on XXXX XXXX, 2016 ... why have n't i received the funds? It has been since XXXX XXXX until present XXXX XXXX, 2016, I cant get funds released and no interest on a very large deposit to SLS account. 
SLS, Loss Draft Dept. is making a large return on other individuals insurance claim checks. Where 's the interest on my insurance check and where are my funds?
1. I took advantage of a HERO Program upgrade in XXXX which fee assesses to my annual property tax. I provided the lender a copy of the five year repayment schedule. 
2. Lender advised their approval would be been withheld if I had asked in advance. 
3. Lender more than doubled my Escrow fees which was excessive so I requested to cancel the voluntary Escrow Account and was denied 4. Lender quoted from our loan agreement as grounds for refusal : Lender may waive Borrowers obligation to pay to Lender Funds for any or all Escrow items at any time. Any such waiver may only be in writing. 
5. Lenders Senior Escrow agent advised on or about XXXX/XXXX/XXXX that XXXX tax amount could be removed from the coming year 's escrow analysis if I paid the entire {$10000.00} tax in full which I did on XXXX/XXXX/XXXX XXXX. Lender acknowledges receiving receipt copies and that taxes of {$10000.00} are paid in full ( see attached XXXX - {$5500.00} ; XXXX - {$5400.00} ). 
7. Effective XXXX/XXXX/XXXX, lender held my in Escrow account {$6100.00} 8. Lender conducted a new escrow analysis for the twelve months XXXX XXXX on XXXX/XXXX/XXXX and assessed {$1000.00} in new monthly fees while acknowledging all funds will be refunded in XXXX as no tax is due ( e.g. in XXXX XXXX, lender intends to refund me the approx. {$12000.00} collected ). 
9. Lender plans to continue collecting {$1000.00} per month XXXX {$12000.00} over next 12 months ) for taxes already paid. 
Lender refunded {$5100.00} in Escrow Surplus on XXXX/XXXX/XXXX. 
10. I advised lender of Deed of trust UNIFORM COVENANTS : 3. Funds for Escrow Items : " Lender may at any time, collect and hold Funds in an amount ( a ) sufficient to permit Lender to apply the Funds at the time specified under RESPA, and ( b ) not to exceed the maximum amount a lender can require under RESPA. Lender shall estimate the amount of Funds due on the basis of current data and reasonable estimates of expenditure of future Escrow Items or otherwise in accordance with Applicable Law. '' 11. Lender refused to provide disclosure for voluntary escrow subjecting me to involuntary escrow rules. 
12. Lender advised I would need a subpoena to obtain taped calls to validate its agent instruction to pay the tax in full. 
15. Lender repeated insinuation that I had ulterior motive, other than comply with its agent 's advice, for paying the tax early 13. Lender is now threatening to withhold applying monthly principal and interest of {$1700.00} to my loan, thus triggering a loan default, if I do not pay the additional {$1000.00} in monthly Escrow fees ( total mortgage payment {$2700.00} ). 
14. This violates RESPA 1024.17 Escrow accounts. C., 1, ii. Charges during the life of the escrow account. Throughout the life of an escrow account, the servicer may charge the borrower a monthly sum equal to one-twelfth ( 1/12 ) of the total annual escrow payments which the servicer reasonably anticipates paying from the account. In addition the services may add an amount to maintain a cushion no greater than one-sixth ( 1/6 ) of the estimated total annual payments from the account or the intent of RESPA. ''
In XXXX of XXXX, I was going to take out my first loan on a car and the first time I was ever going to check my credit report. Transunion has me as deceased and after numerous calls to fix the issue, they have given me the run around. Below are dates and times. 
-XX/XX/XXXX : received denial letter for car loan as it said I was deceased. 
-XX/XX/XXXX called transunion and they said they would take care of it. 
-XX/XX/XXXXwent to social security office and they told me they were all good and it could be human error on transunion part and to follow up. 
-XX/XX/XXXXcalled transunion and the automated said my social security was under maintenance. 
-XX/XX/XXXX called transunion and they said they do n't have any documents regarding my social security and would need to file another complaint. 
Nothing is getting done and I 'm just tired of getting the run around with this company. I 'm not decreased and it 's the only company that has me listed as such. It really weighs on me because I was going to buy my first car and really waited til I was XXXX years old to do this. I wanted to be responsible and now because someone else 's irresponsibility, I 'm stuck and in their eyes, dead.
I had sent a Money Transfer ( MTCN XXXX XXXX XXXX ) for XXXX XXXX to XXXX XXXX XXXX in XXXX, XXXX , through Western Union. Since the Beneficiary did not collect the same, I got a letter from Western Union, asking me to go to their Agent and collect a Refund, if I want to. Accordingly, I went to the same Agent ( " XXXX XXXX XXXX '' in XXXX XXXX, NY-XXXX ) through whom I made the transfer. He confirmed that the amount is not picked up but he can't process the refund unless I call Western Union at XXXX and get another Code Number. 

Accordingly I called that number and spoke to one of their CSRs - XXXX ( Employee Number : XXXX XXXX ), probably in The XXXX. She verified all the information and and put me on hold for almost 20 minitues and at XXXX XXXX said that the she can't process the refund and I will have to wait for a call from some other department, which might come in 24 hours. 
I do not understand why I have to wait another 24 hours, since the Money Transfer is still pending in their system and she has verified all my information. .I told her, I have worked in the Money Transfer industry at the CEO level in the US and also abroad for over 2 decades and have never heard of any such rule.She says that is the rule of Western Union .
I disputed the public records listed on my credit report which were dismissed without prejudice, yet Transunion Smart Move continues to report them as judgments for debts, specifically evictions. I requested an investigation, to which the company exceeded 30 days to respond. And when they did respond beyond the 30 days, they responded and said they verified the information as accurate from " a web site. '' As you will see from the attached. The cases were dismissed without prejudice. However the bureau refuses to adjust this.
The account was opened XXXX XXXX with XXXX XXXX connect by my then fiance without my knowing and i had no clue that the account was opened until after we were divorced in XXXX XXXX and i found out after the dissolution was made. The file was sold to XXXX XXXX XXXX and i never received notice that it was in debt of {$720.00} and now being sued
Dear Experian, I checked my personal credit report, which I acquired from your organization onXX/XX/XXXX and I noticed a fraudulent inquiry had been made on XX/XX/XXXX.

I contacted XXXX XXXX XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX XXXX, they could not verify that the information was being reported.

I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX XXXX ( XX/XX/XXXX) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL. CEASE AND DECIST FROM COMMUNICATING WITH ME VIA US MAIL.

Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT.

If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your investigation for THIS SPECIFIC INQUIRY within 15 business days of the completion of the investigation. Thank you for your assistance in this matter.

Very Respectfully, XXXX XXXX
I got a a call from diversified consultants and they were asking for my social and address before even saying who they are and why they are calling. I declined to give them my personal information and then I see that they reported to credit bureaus a collection of XXXX $ to XXXX that I do not know why i am being billed for it. 
I never recieved an invoice, bill, collection letter or anything. 
All I recieved was a phone call from an agency asking for my social!!
In 2012 XXXX installed a security system that never worked properly. It was " repaired '' and failed again a day later. After many calls, we cancelled their service for non performance. They were sent certified letters detailing the issues and explaining that we would not pay for something that did not work. 
They have now sent this to a XXXX or XXXX collections company and I have to explain the issues repeatedly. Now USI solutions is calling and sending letters after about 2 years of no contact at all. Their rep is very aggressive and nasty even after I explained the problems with the XXXX. 
USI Solutions XXXX, PA XXXX XXXX XXXX
There is a listing for a {$300.00} debt turned over to a collection agency ( XXXX ) but the debt was paid in full directly to XXXX.
After having received 3 emails from Capital One to apply for a credit card that was ideal for my Score, i applied on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, i was denied a credit card without explanation. I did a research and found out that Capital One is on of the credit card Companies that Discriminates against Non XXXX  Americans and especially XXXX   like myself, plus is Misleading and Dishonest on the explanation given after they decline the application. Since i didn't received an explanation from Capital One i called Capital One after every time i applied but their representatives were Rude and Misleading of to why my application was denied. It seems like another Crooked and Fraudulent Wall Street Company who does business without any respect of the " Weak Consumer Laws '', not to mention that Capital One Defrauds credit card holders with their Sky high interest rates 25 % -30 % and fees while borrowing money from the Government with 0 %. After all that's why Capital One and other Financial Companies Bribe Politicians so they will Defraud consumers with Immunity. It would have been better to do business with Mafia than with Companies like Capital One, etc.
Direct Express/Comerica failed to stop an automatic payment I had set up on my account for XXXX XXXX. Direct Express/Comerica then processed another payment from XXXX XXXX after my stop order and is therefore unauthorized. They are now trying to shift the blame to me ( this was not my faulf ) and are refusing to return the money ( {$46.00} ). What transpired in trying to have this corrected is nothing short of surreal due to the reprehensible behavior I encountered. Im attaching a full statement and supporting documentation for my case.
I've written a letter to dispute this several times to XXXX and XXXX   has yet to validate this debt from American Credit Bureau in the amount of {$260.00} from 5 years ago.
On XXXX XXXX, 2015 I requested debt validation from Business Professional. They responded with a letter refusing to provide validation. Please see attached letter received.
Prior to XXXX XXXX announcement, TransUnion had a link to freeze their credit easily. After XXXX/XXXX/XXXX, they change the link and now are trying to hide the link behind their " monitoring system. '' This is disgusting that they are taking advantage of people trying to freeze their credit. This is a service that should be provided for free, after all THEY are the one who messed up.
Trouble using my card, when it came to credit limits when I had my card they would give me credit limits of 50 or 100 at a time even after paying my balances in full, the Fees or interest they would charge was insane they closed my account after 6 years for a XXXX reason of too many returns but my bank account was compromised they never did a balance transfer and I cant get a settlement to be done with these ratchet people ... they claim they do n't do that and I even have cash back on a card which I cant use cause they closed my account!
I have a loan with OCWEN. I have always made all of my payments on time. One day I decided to check my credit on XXXX when I saw an alert come up on my phone, I immediately went on my computer, and I realized that there was a late payment on my XXXX credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX  and OCWEN with no successful resolution. Only XXXX is reporting me late. There was definitely an error on their part, I always made payment on my mortgage a few weeks earlier than the due date, and always on time. I was never 30 days late, and I was never 60 days late three times.
my lawyer has been disputing a false inquiry which reported on all three credit reporting agencies all but TransUnion has removed this error.
I am co-signer on both of my XXXX something year old children 's student loans. Navient has been calling me 4-6 times each day, 7 days a week for over a year now, demanding I pay their loan balances. They have also sent me literature stating they will take whatever means necessary to get the money from me. 
Both of my children have deferments as they are taking XXXX for their XXXX XXXX and further education. 
I am retired now, and only have a pension for income. What can be done to stop Navient 's harassment of me?
I recently spoke with a customer service representative at Transunion stating that I did not recognize the following inquiries that were showing up on my credit report. 

1.XXXX  XXXX  11.XXXX XXXX 2. XXXX XXXX 12. XXXX XXXX XXXX 3. XXXX XXXX 13. XXXX XXXX 4. XXXX 14. XXXX XXXX 5.XXXX XXXX 15. XXXX 6. XXXX XXXX 16.  XXXX XXXX 7. XXXX XXXX 8. XXXX XXXX 9. XXXX XXXX XXXX 10. XXXX XXXX XXXX I asked if there could be an investigation into this matter an was told that inquiries are to remain on your report for the time that is dated. I was so disappointed in knowing that Transunion did not want to take the time to help figure this out. Therefore, I am reaching out to you for help in this matter. I have spoken with XXXX  about this same matter an with no issue they removed those inquiries. I even mention this to Transunion and they did nothing. I appreciate your time and effort into looking into this for me. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX
On XXXX XXXX I logged on to the Citi website ( citicards.com ) and saw an offer for the XXXX XXXX card stating new cards would earn a reward of XXXX aadvantage miles for {$0.00} spend. This was way better than the typical offer for the card so I applied. On the application page the offer was again stated as XXXX aadvantage miles for {$0.00} spend after opening the card. I would not have signed up for the card if that was not offered. 

I was subsequently approved for the card, and upon receipt of the new card, it came with an offer letter stating that I would only receive the XXXX miles after I spent {$5000.00} on the card within the first three months of opening the account. 

I have contacted Citi numerous times. On XXXX XXXX I faxed them copies of screen captures of the Citi website clearly stating the offer, and have received nothing but misdirection and stalling with no confirmation that they are working to fix the issue. 

All I want is for Citi to honor the offer that was publicly displayed on their website.
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX PLEASE REMOVE any other variations of my name they are not accurate. 
I am the Owner of XXXX XXXX XXXX XXXX XXXX My current and only address is XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please remove the following addresses they are not mine : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX
Commonwealth Financial systems a 3rd party collection agency attempting to collect a debt in the amount of {$1900.00} for medical when all information was given day of services and has been paid in full.

This collection agency has reported to my credit bureaus, I am asking them to show proof that this debt is owed to Commonwealth Financial Systems and please remove permanently from all 3 credit bureaus.
Synchrony Bank Walmart closed my Walmart store card on XX/XX/2018 due to a return ACH payment from my bank. I called XXXX XXXX XXXX and was told that this was my second check returned within a year and it was automatically closed. I was told that I could dispute the decision only if I had documentation from my bank stating that it was the banks error. I have such documentation and I am submitting the letter to them. I thought I had previously sent in this information with my bank activity showing I had the funds to cover the payment but I still received a rejection to open my account back so I requested a more detailed letter from the bank and they sent it to me. The Walmart account should not be closed. It was a bank error and this should be re-opened
I have sent several requests to XXXX per the Fair Debt Collection Practices Act, 15 U.S. Code 1681, Fair Credit Reporting Act section 623 ( a ) ( 1b ) and section 623 ( b2 ) requesting the show me the documents required by law that they have to hold me responsible to this debt. I have also submitted a complaint via the CFPB, case number XXXX. XXXX responded saying that I owe them money but with none of the documentation required by law including signature bearing contracts. I disputed that response on XXXX XXXX, two moths ago and have received no response. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. 

At this time I am submitting this as so that the FTC will have on record that I have attempted on numerous occasions to have this company obey the law and they have refused to produce the documents they are required to have on file to continue to report this derogatory information. I have been given no original contract bearing my signature or documentation of any kind. 

It was advised that I try to have this issue resolved though the mediation of the CFPB before I filed suit in state court seeking remuneration for several things including but not limited to : Violation of the FCRA, Violation of the FDCPA, Defamation of character and Identity Theft as they have opened this account without my knowledge or consent. I have lost opportunities due to this illegally reported information remaining on my credit profiles.
I called the XXXX XXXX Bank and I told them someone open fraud account under my name. I also told them that I have fraud alert on my name company called me. The presonnal that I was speaking to told me that they do n't call. I think that was their fault and i think should be deleted completed. ( that is not me ) Also i have others inquiries under my nameXXXX XXXX XXXX