WillisBack/dataset-financial-user-claim huggingface dataset:
TD bank sent an offer for a card that has XXXX cash rewards for the 1st 6 months on gas, dining, cable, phone, and utility bills and XXXX on other items. They also offered {$200.00} cash back if {$500.00} was spent in the first 3 months. 
I applied on line ( XXXX XXXX, 2016 ) for this card by going to the website on the offer and putting in the code in the letter. 
When I received my statement, I noticed I was given points instead of cash back. I called and was told that the card that I was offered discontinued on XXXX XXXX. The card they gave instead has a lot less benefits and only {$100.00} cash back after spending {$500.00} in the first 3 months. I spoke to someone on XXXX XXXX when I applied for the card and asked about the {$200.00} cash back and verified that this was correct along with the XXXX cash back on specific items for 6 months. 
Why are they allowed to send offers for cards that they are discontinuing? 
Now I have a credit card that I do not want but can not cancel because credit bureaus give bad makes for you to cancel a card. And I might have trouble applying for another card that I would like because of the credit limit they gave me. 
I think this id false advertising.
I have disputed a chapter XXXX bankruptcy shown on all 3 bureau reports 2-4 times over the past 1-2 years. They all say they confirmed and it will remain on my credit. I know they are lying and did not confirm, as i do NOT have a chapter XXXX. This has negatively affected my credit for the past 3+ years. Thus my complaint is against equifax, XXXX and XXXX for inaccurate and unfair reporting practices. 
I want them to remove this immediately. Some of my accounts that I paid off even are marked as " dismissed in chapter XXXX ''!!! Its betong infuriating, years of fighting this. Thank you
We filed a construction loan application with Webster Bank XX/XX/XXXX. Admittedly, we had some delays due to finalizing the plans of the home. Once we were ready to close on the loan, and submitted the final contract to the bank, we have had delay after delay due to the inefficiency and lack of attention to detail of the underwriting process. We have had documentation requests come through piecemeal XXXX and XXXX documents at a time. As we fulfill the requests, new and different documents are requested. Further, they have asked for some documents 2 or 3 times, despite our already providing them. It is now XX/XX/XXXX, and our appraisal is expiring for a second time - requiring further delays to the closing date. We have been prompt and punctual through this process but the underwriter turn around is approximately 2 weeks from each delivery. This is unnecessarily drawn out and the goal keeps changing leading to inefficiencies and consumer burden.
I paid my overdraft accout about a year ago amd it is still on my credit scores as unpaid. 
I called before and they said they took care of it. I just need this to be on file and out of my credit scores.
I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  30 days past due as of  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
on XXXX XXXX XXXX XXXX put a late on my credit report. I had told them I never used the card so why i have a late. they agreed to move late fee and late remark. i asking for it to be removed now please its ruining my credit
I receive calls as early as XXXX. and as many times as 3-4 times a day. I have also asked them on several occasions to please stop calling me so early and I was told that it is an automatic dialer that is calling but I informed them that it is still unacceptable and also that actual agents are calling me repeatedly and much too early as I work nights and it is against the law! I also have asked them many times what this is in regards to and if I wo n't verify my social security number and date of birth they sinply hang up on me.
Apparently my mortgage was sold to another lender. There was no notification of the pending " transfer '' or the actual " transfer '' by either my " old '' lender, Central Mortgage Company or my " new '' lender ( as of yet undetermined. ).
On XX/XX/2018, XXXX XXXX XXXX XXXX, placed an account for collection on my credit file impacting all three credit agencies. The original creditor is XXXX XXXX ( XXXX ) in the amount of {$2400.00}. I spoke to a representative at both XXXX XXXX and Helvey & Assoc. and explained that this was my father 's account who passed away. If there is any money owed, XXXX XXXX will have to file a claim against the estate and open probate. XXXX XXXX and Helvey & Associates are trying to subvert the correct legal process and try to collect against myself, who was the XXXX XXXX of the estate. If this is not removed, I will file suit against both XXXX and Helvey & Associates.
The original creditor was notified of my activation under military order and exercising of protections under the SCRA. Immediately following the creditor charged of the account and sent it to this collection company. I notified the company that I was protected from such adverse actions under the SCRA and they said they would call my commander and make and garnish my military pay. Every action taken by the original creditor and this company is a violation of my protected rights under the SCRA
As this is the only soapbox I can use to complain about the credit monitoring services I wish to complain over and over again until this system is fixed or got rid of. I came to this country as an XXXX 30 yrs ago. I worked, paid taxes all this time and paid my debts. I decided to go back to school at the age of XXXX. I applied for a XXXX plus loan. I was denied. I was never given the specific reason for the denial. but it could have been one of the four following. A collection account, a tax lien. I was denied a job in XXXX because of XXXX. I actually paid off the IRS tax lien. I was denied a job by XXXX in XXXX because of the tax lien. I paid off the tax lien in XXXX, 2016. You would think I had bells and whistles and chocolate but no. I have been going back and forth with XXXX I wonder at using XXXX anyhow to determine whether or not I should be able to get an education. In 30 years I have never been given a perfect credit score. Ever. I had a {$100000.00} mortgage until XXXX decided to put me into eleven years of litigation and they graciously let me have a {$300000.00} mortgage which is ridiculous at this stage of my life. I am not the only person in the US who suffered through the Great Recession that has decimated the XXXX and over population. The tattle-tale credit reporting system needs to be overhauled. I strongly suspect that only while middle-age males get perfect credit. I think women, immigrants, of any ethnicity, XXXX and XXXX probably never get good credit ever.
I am assisting XXXX XXXX XXXX with some credit issues. I am a XXXX and XXXX  XXXX with XXXX XXXX XXXX XXXX. We have tried twice to get XXXX XXXX to discuss the account that they have on XXXX XXXX 's XXXX  credit report. They will not speak with us. XXXX XXXX was in the office with me when we called them. They knew that she was in the office and they would not speak with us. She tried speaking with them on her own and they would not speak with her. 

XXXX has this joint account as an individual account. I am enclosing the XXXX credit report showing the original XXXX account that is joint with her then husband, XXXX XXXX. Then you can see where XXXX XXXX has it listed as an individual account with only XXXX XXXX. 

I am enclosing the decree of divorce between XXXX and XXXX XXXX from XXXX stating the XXXX account as joint and XXXX XXXX 's liability not XXXX XXXX 's responsibility. 

I am attaching documents from XXXX County Municipal Court. I pulled up documents under XXXX XXXX 's name as there are no documents under XXXX XXXX 's name. But you can see in the original documentation that XXXX XXXX listed both XXXX XXXX XXXX AND XXXX XXXX XXXX and listed them at their address where they lived together. Somehow in following documents, XXXX XXXX XXXX 's name is taken off the documentation. XXXX XXXX approached her attorney to assist her in this court matter. Her attorney did file some documents on her behalf. XXXX stopped trying to get in touch with XXXX XXXX XXXX. 

When they went to get personal earnings at XXXX XXXX XXXX, XXXX responded " never employed ''. Of course, XXXX XXXX had never worked at XXXX. XXXX XXXX XXXX still works at XXXX. Both XXXX and XXXX XXXX signed for this XXXX loan. XXXX has dropped XXXX XXXX 's name and apparently responsibility for paying the loan back. We have tried to dispute this through XXXX and XXXX XXXX never received documentation back. XXXX still has the loan reported as individual and not joint. 

We have had no success in getting XXXX to speak with XXXX XXXX about this loan. We have had no success in getting XXXX to report the loan as a joint liability. We would, of course, like XXXX to try to garnish XXXX XXXX 's wages at XXXX since he is liable for the debt and he is employed. XXXX XXXX is on XXXX XXXX XXXX and has been since XXXX.
I logged into credit XXXX to get my free credit score and when I did I discovered that there are debts on there that are not mine are that is already paid so I called Equifax they would n't help me they tried to charge me to answer my questions I tried to log into their site I could n't log in because there were questions on there that I could n't answer about a home loan and a car loan that I have never had I 've never bought a car or house also they say I have opening credit cards and Retail credit cards and I do not they say I have a {$23000.00} debt from the hospital which should have been paid by Georgia Medicaid which I was covered under at the time what do I need to do about my credit report I can not get any help anywhere
Discover bank has falsely held me liable for two ATM cash advance transactions that were done using my Discover credit card pin number. The first transaction occurred on Sunday, XX/XX/XXXX, at XXXX ET ( XXXX PT ) for {$500.00} at XXXX XXXX , XXXX XXXX , California. The second transaction took place Monday, XX/XX/XXXX, at XXXX, ET ( XXXX PT ) at XXXX XXXX , XXXX XXXX , California for {$480.00}. The total amount of fraudulent transactions is {$980.00} plus interest that has been accumulating since the transactions. 

I took action the day after I received a call from Discover warning me about the fraudulent charges. Mistakingly, I had misunderstood the Discover representative at the time of the initial call and thought the transactions he was talking about were cash advances I had recently made in XXXX, Oregon a few days before and in XX/XX/XXXX while in XXXX, XXXX. The next day I called Discover to let them know that I did NOT perform the recent transactions. Since this call, Discover has relentlessly tried to find me guilty and liable for these charges by manipulating any information I have tried to give them over the phone. I followed through with a police report as requested by Discover. Unfortunately, the police did not want to look into the situation. The banks where these cash advances occurred also could not provide me with video footage unless the police had requested it themselves. After complying with Discover 's wishes, Thursday, XX/XX/XXXX, Discover called to tell me I was being held liable. I then proved to Discover that I was not in XXXX XXXX, California, or XXXX XXXX, California at the time of the transaction. I called XXXX XXXX and they provided me confirmation of my flight on the XX/XX/XXXX, from XXXX, Oregon to XXXX, California which I faxed to Discover on Friday, XX/XX/XXXX. My university has signed documentation that I was in class on XX/XX/XXXX, and I provided that documentation to Discover on Friday, XX/XX/XXXX, as well. Both of these documents have shown that I could not have been in the area where these charges occurred. 

Monday, XX/XX/XXXX, I reached out to Discover after I received yet another letter addressed XX/XX/XXXX, that they were still holding me liable for the charges after reviewing the documentation that I provided them. After talking to the Discover representative, the reason they are holding me liable is that they believe I could have given my Discover credit card pin number to someone. The representative also said I could have written my pin number down and someone could have seen it. Any person could have been looking over my shoulder when I may have used my pin number. Any person could have been watching video footage of me inputting my pin number. It CAN NOT be disproven that my pin was not compromised when I last used it. There is no way Discover can legally hold me liable for fraudulent charges after I told them many times that the charges were not done by me or under my authority.
On XX/XX/XXXX I opened a checking account with Astoria Bank at XXXX XXXX XXXX XXXX. Everything went well and I was told that in two weeks I will received card in the mail. On XX/XX/XXXX, around XXXX XXXX I received a phone call from XXXX XXXX XXXX. She said that her manager found that part of the compliance was not answered. I asked what is that? She said : we need the name and address of your employer and I asked what for and she put her manager on the phone. The manager came on the phone and said that she needs it for compliance, she said we have to make sure there is no drug dealing and needs to control XXXX. I insist my account is private and I do n't want my employer involved. The manager said if you do n't provide your employer name and address, I will just have to close your account and she hang up. <P/>Also, when I opened the account on XX/XX/XXXX they asked to see my driven license and I told them not to copy my license and was told, if they can not copy it then they have to cancel the account. I also told the manager that I have account with other banks like XXXX XXXX and XXXX and no other bank ask for my employer 's name but them.
I currently have credit membership with XXXX XXXX XXXX and they charge {$19.00} a month. EXPERIAN *CREDITREPORT - XXXX, CA to my credit card. I tried calling them several times, they have a automated system to cancel my services but the automated system says I don't have membership and hangs up the call. They have no way to contact live person to resolve this. I have tried numerous numbers. I honestly believe this is fraudulent attempt by them to discourage people and keep billing people for services. There is no option to talk with anyone. There is no way to cancel these services online. They should be investigated.
With failure to regulate credit reporting agencies, or their ability to continually lie, misinform, and fail to investigate factual issues, instead just consider their own financial well being without serving the consumer. In order to join the pending class action against Experian, or not join I sent Experian a copy of all my identifications, social security verification, and address verifications, and they still refuse to investigate information. In their response they list my actual name, but embedded within their report is a name that is not legally my identification, which is the method they use to continue reporting inaccurate information. Additionally, In a previous disputes which has caused me economic harm, they have listed two public records bankuptcies, which I disputed, they responded with they verified the information with a third party and it remains, I contacted the third party vendor concerning the entries, and received a letter which i provided to Experian, which was ignored, and a response that they wouldn't reinvestigate information that they have previously investigated, given the fact that I proved that their information was inaccurate, they continue to fail to perform their statutory duties under the regulations.. Most recently on XX/XX/18 i received a letter stating that they refused to reinvestigate a entry on my credit report, XXXX, indicating that they had previously investigated it. In that request, i provided proof of my name, address, social security number to Experian, and they still refused to reinvestigate, considering the fact that they entry is verified with inaccurate information on their part, but in their statue violation performance when information doesn't verify, Experian will just add the name of the wrong person, to justify their entry. In this XXXX entry, experian previously deleted an account reported as XXXX XXXX XXXX XXXX, which is the same company as XXXX, but refuse to delete this unverifable entry. 
It is my belief that Experian will ignore their responsibility to factually report accurate information to the CFPB, which again will give me leave to join the pending class action against them for the same performance.
XX/XX/18 letter received threatening to report unpaid medical debt to credit bureaus. Itemized bill sent violating HIPAA guidelines. 
Capital Accounts collection agency for XXXX XXXX XXXX XXXX. 
Patient responsibility was paid at time of visit.
On XX/XX/XXXX at XXXX XXXX, I received an fraud email from Rise. The emailed stated that an unauthorized party had access my account and that they recommended that I change my password. On that same day, I changed by password but the website would not allow me to login. I contacted Rise 's fraud department and spoke with a rep. When I explained to her about the email received, she seem to not have a clue what I was talking about. She took down my information and stated that she would call me back. Never heard from her again. I attempted to login in again on yesterday but could not. I contacted the customer service department. The rep I spoke with onXX/XX/XXXX at XXXX XXXX told me that it could have been my internet browser and that is why I could not login. I have an XXXX so she told me to clear out my history but that did not work. She then goes on to say I should try different computers and browsers. None of this work. So I called back again at XXXX XXXX and spoke to someone in the fraud department. I think her name was XXXX. I explained to her again about the email regarding fraud and not being able to access my account. She could not figure it out and told me that she would call me back with more info. I advised her that I refuse to make another payment until I can fully access my account and that they can explain to me about the fraud email.
OnXX/XX/XXXX, Capital One pre-approved my husband, XXXX XXXX XXXX, for a Secured Master card for his use while travelling in XXXX. He was to be gone for XXXX weeks. Since he wanted a large credit line, on XX/XX/XXXX, we electronically sent Capital One {$340.00}. The card was never issued so XXXX XXXX left on his trip without the card, returning at the end of XXXX. 

On XX/XX/XXXX, further contact was made to the company to have the card cancelled and the monies returned. They requested proof of his address and identification which was scanned/faxed to them at that time. No further communication from them was received. 

In XXXX and again in XXXX, more lengthy phone calls ( hour long calls ) were placed and different responses about the " lost '' funds were received in each phone call. 

On XX/XX/XXXX, another call was placed to Capital One ( XXXX minutes long ) and the agent came back stating the the {$340.00} was refunded to our same XXXX XXXX XXXX account on XXXX XXXX, XXXX. 

This morning I phoned XXXX to verify this and after XXXX minutes on the phone, they verified that this has not taken place. 

PLEASE, help. We are out the funds and out of patience! 

XXXX XXXX and XXXX XXXX XXXX
I have a Mortgage with Nationstar from Texas, recently I have been notified that I owe more than {$12.00} XXXX in back taxes and they want to foreclose my home. I have been paying my mortgage normally without any trouble in the last XXXX years. It seems that they have not observed carefully that it were more taxes to be paid througout this time, now the county where I live have send me a notice to foreclosure and I am in the pool for the end of the year auction
While reviewing my XXXX credit report, I noticed a collection account listed as XXXX  XXXX, ACCT # XXXX. I have no knowledge of this company or this account. I DO NOT or have NEVER had a contract with XXXX XXXX. I am not liable for this collection. I am requesting that this debt be verified and validated as a legitimate date. I would like physical proof of this, including a signed contract containing my signature, or It needs to be deleted from my credit report.
With the recent outrageous Experian breach, I checked the website and it said we could be part of the 143 million consumers harmed by their lack of security. On the Experian website, at their suggestion, my husband and I both froze our credit because we were instructed that it could be unfrozen at any time. Now we are meeting with a loan officer tomorrow to obtain a mortgage loan to move closer to our children. When I attempted to unfreeze our credit record, I was informed that we must send a letter by snail mail along with {$10.00} each to unfreeze our credit. This outrageous extortion will cause my husband, age XXXX, and myself, age XXXX, extreme inconvenience. Ca n't anything be done about this travesty? We did not apply for this credit report with Experian and feel we should not pay anything for their lack of security practices. Shut that company down!!!
car was total ins co sent ck over. Bank needs to process gap ins claim, also XXXX needs to be refunded to me on ext warranty that was cancel.. 

2. XXXX needs to be refunded as my tax return was not process tax act. 

3 XXXX XXXX refunds are to refunded from XXXX as they were return and was informed not to hip any more product. 

the last time i heard from bank was early XXXX, the above needs to be credit to my act.
I applied for the Bank of America Small Business Checking Account on XX/XX/XXXX. They had a promotion going on ( Promo code XXXX ) where if you deposited {$1000.00} or more within the first 60 days of account opening, that they would award a {$200.00} bonus. The exact wording of the promotion was " You must : ( 1 ) be approved for and open a new Bank of America Business Fundamentals Checking or Business Advantage Checking account online by XX/XX/XXXX '' I applied on XX/XX/XXXX and received an email confirming my account approval that day ( XX/XX/XXXX at XXXX XXXX  ). This falls in the time frame of the bonus. I have screenshots of all of these things. I met the {$1000.00} deposit requirement on XX/XX/XXXX but wasn't awarded my bonus. I called Bank of America on XX/XX/XXXX and they said I wasn't awarded the bonus because my account wasn't " technically open '' until XX/XX/XXXX. The bonus requirements state that I have to apply and be approved by XX/XX/XXXX. As mentioned earlier, I received my approval email on the afternoon of XX/XX/XXXX.