WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/18 I applied for a XXXX card ( pre-approved ). During the application process, there was a disclaimer stating that applying for the card would be subject to approval and that doing so would NOT impact my credit score. I was asked for only the last 4 of my SSN, and as a prior XXXX XXXX member, the disclaimer seemed legitimate. However, I found out that XXXX did a hard inquiry on my XXXX credit report. I did not agree to this. If I had known about the hard inquiry, I would have thought twice before applying. The " will not impact credit score ''  disclaimer is completely false. 

On XX/XX/18 I contacted XXXX  and opened a dispute ; however, I was told this wouldn't do anything since it was not an inquiry due to fraud. XXXX   instructed me to contact XXXX. I contacted XXXX/XXXX  and they said they couldn't do anything about it. After I pressed for a credit resolutions department, XXXX/XXXX provided me a PO Box for their Credit Risk department. I mailed a letter requesting they remove the hard inquiry as they had an inaccurate disclaimer on their website. I also stated I would be filing a CFPB complaint as this disclaimer during the application process is completely misleading. 

Unfortunately, I did not think I needed a screenshot before hitting " submit '' on my application. I submitted my application in good faith, trusting that the statements on the application were true and accurate. I don't think it's fair that XXXX/XXXX misleads its consumers, negatively impacting my credit rating in the process.
On XXXX/XXXX/XXXX, my home sustained water damage. I reported this to the mortgage company, Nationstar Mortgage LLC d/b/a XXXX XXXX NMLS # XXXX, and my homeowners insurance company. I opened a claim with the insurance company. I hired a licensed contractor who repaired the work and I paid the contractor in full out of my pocket. The insurance company and mortgage company were notified the work was completed and were provided documentation verifying the completion of the work and that the contractor was paid in full. The insurance company verified the work had been completed to their ( and my ) satisfaction and that the contractor had been paid. On XXXX XXXX, XXXX, the insurance company issued check for the cost of repair less my deductible and made the check payable to me and the mortgage company. I endorsed the check and sent it to the mortgage company for endorsement. They have unlawfully and without my authorization withheld my reimbursement of funds. They have lied, they have withheld information, they have made unlawful and unreasonable demands of me and my contractor under the guise of what is required to obtain my funds. When I have attempted to comply, they have denied receipt of documents that they received, and they have continuously added additional requirements before they state they are willing to send my funds. I have requested email verification of their procedures and demands. They refuse. I have requested to speak to a supervisor. They have refused. I am retired and depend on my funds for my life expenses. I have been without these funds for two ( 2 ) months without end in sight. They have effectively stolen my money. I am current on any and all financial obligations to them and they have withheld almost {$30000.00} from my savings.
I signed up for a CitiGold checking account with CitiBank under their XXXX XXXX XXXX promotion where I would get XXXX XXXX miles deposited into my account after completing a short list of requirements. I completed those requirements within the allotted time frame and called customer service several times to confirm that I qualified to receive the promotion. Each time they told me they 'd look into the issue and update me with an email. That has not happened despite multiple calls. I 've read up on this online and apparently other people have been having the same issues with CitiBank not honoring their promotion.
On XXXX XXXX XXXX, I received notification via my credit alert service with XXXX that my credit had been run by XXXX XXXX. At that time, I pulled all three of my credit reports ( XXXX, XXXX & XXXX ) to see what had been done with out my permission. In deed, the XXXX XXXX had pulled my credit report. I immediately contacted, in writing, all three credit reporting agencies with the dispute. Then on XXXX XXXX XXXX, I received a notice in the mail from the XXXX XXXX of the incident  and also discovered that the XXXX XXXX also ran my credit through XXXX XXXX XXXX. NEITHER of these companies had my permission to run my credit.
I have my loans through navient and they have not been helpful at all with working with me to pay my loans. I have had to put my loan in forbearance twice. They wanted me to make a payment of {$1300.00} a month. I am a teacher and barely make that every two weeks. They told me to take a forbearance for a year which I did. When I explained I could n't afford that they told me to me I could do income base payments the income base payments were still to hire. They said there was nothing they could do. So once again I 'm back in forbearance.
I am receiving phone calls on my cell phone and at my place of employment from a company called Spire Recovery Services, claiming to be a collection agency for a payday loan that was filed in a chapter XXXX bankruptcy. They are threatening that " bad things '' will happen to me if I do n't pay them by XXXX on the day of the phone call. My attorney conducted research on the company that shows them to be a scam with an address located in an abandoned warehouse and when I attempt to reach them at the number provided it goes straight to a voicemail box. They called from a local area code but the call back number is from a New York area code and the address is also in New York.
XXXX XXXX  XXXX XXXX  is on my credit report 3 different times for the following amounts. {$310.00}, {$280.00} & {$280.00}. I do not owe this company and have no signed contract with them. They are also not licenced to collect in the state of Texas. No debt validations has been provided to me. I asked that this get removed from my credit report as it is not my debt. Thanks
Equifax had been hacked and I, being a customer who was trying to avoid my identity from being stolen, had my information stolen.
XXXX of the addresses it stated I lived in MD. I have never lived at that address.
I have submitted information to equifax regarding a collection that I do not owe. I received a letter stating that the disputed account was not reporting. When I pulled my credit report, it was still listed. When I called Equifax, I spoke with a supervisor XXXX  ( XXXX ) who was no help. He just continued to state that the inquiry was not reporting. I explained to him that it was not an inquiry but a collection account. He said there was nothing that could be done since it was not reporting.
This is my second complaint. They have the wrong person. I have spoken to them four times, and they admit they have the wrong person. They say they will stop calling my number, but they do not. The phone calls started again today, and I have received three calls on XX/XX/2019.
My husband and I have been XXXX customers for years, Citibank handles credit card services for XXXX. On our XX/XX/XXXX statement, Citibank closed my card XXXX due to fraudulent charges. They claimed that my card had fraud charges on it when I took a trip to XXXX to see my son. The charges were numerous ranging from {$89.00} to {$95.00}, although they credited our account we were left feeling skeptical. The fraud charges on our statement reflect that they happened during my trip to XXXX. 
So, to avoid further confusion on our account I started paying for my gas with cash. 
Shortly after, I started examining our statements closer and noticed duplicate charges on my husbands card XXXX. I immediately asked my husband if he thought they were correct since this was his card and he had not traveled to XXXX with me, he also added that the charges on his card must not be correct since he did n't frequent the store that often. As an example, some of the charges on his card XXXX were XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, everyone of these charges were for {$39.00}. 
I immediately called Citibank to dispute these charges, they told me they would send dispute sheets but all we received were sheets for XX/XX/XXXX. 
I have been calling to request the forms since early XX/XX/XXXX, the latest forms they sent were statements of our account instead of dispute forms. And, every time I call they keep transferring me between the Dispute Department to the Security Department and keeping me on hold for a long period of time, plus dropping my calls.
I had Savings Account with Capitol One Bank I opened it in XXXX almost one year ago. I put all my life saving in it because of their high interest rate at that time, Also I was preparing myself to move to XXXX and buy a house there. 
In XX/XX/XXXX I moved to XXXX after I sold my condo in XXXX and added the sales money to the same Saving Account. 
In XXXX I found my dream house and I paid {$10000.00} to a Title Company and the rest of the buying price would be paid at the closing date. 
In XX/XX/XXXX I closed my saving Account with Capital One and asked if it possible to send whatever left in my account to where I reside in my brother house in XXXX XXXX. They decided it 's not aloud and they will send check by XXXX in the amount left to the original address in their record ( XXXX ). 
Since XX/XX/XXXX until this day XX/XX/XXXX I have n't received the check in XXXX or in XXXX. Every day since I closed the account I call about 2-4 time daily trying to know the fate of the check ( My Money ) with no avail. In every call I have to spend 10 to 15 minutes only trying to convince Capitol one Bank agent on the phone, that is me ( XXXX XXXX ) who was talking and asking about his money, and always the call ending without reaching any conclusion or knowledge where about my money. I asked, since no one cached any check yet, if they can transfer the money to a new checking account I opened here in XXXX, they said NO, or if they wire it directly to the title company, still NO. I could not find any way or solution to have my life saving money back, still no help from anyone big or small and almost no communication with their way of communications in the phone. 
The closing date with the title company on XX/XX/XXXX that mean if I ca n't have my money to pay the rest of the house price to the title company by this date, I will lose the {$10000.00}, the house and all the money I spent so far to secure the loan ( Appraisal, Inspection, Pay Insurance for the house for the whale year, and many ... many more about {$5000.00} so far ) Please Sir/Lady ; I beg you try to find some way to let me have my entire hard earning money other wise my lost would be a disasters for one like me living only on his S.S. money ...!!!
I have the final payment amount for my 30 yr mortgage and the lien holder is demanding that I pay this amount via XXXX money order to a special account. Otherwise they will charge daily interest on any amount not received by the normal mortgage payment date. 
I do not understand how they can change the rules on the final amount rather than accept the payment via routine authorized account withdraw as we have for the duration of the loan. This sounds like a trap to squeeze more money out of us. This loan was sold to Seterus who have hounded us ever since. 
Resolution requested is to have them accept the final payment via the routine account withdraw.
In order to provide you with the proof that reporting truncated or abbreviated account numbers constitutes reporting missing or incomplete information appearing on my credit report, I have looked into the issue with the Federal Trade Commission. They guided me to this letter on their opinion on the issue. I have a letter from the FTC attached to attest to this. These are the accounts that are not reported accurately due to the fact they do not express the full and accurate account numbers and they MUST be removed immediately to avoid litigation : 1.   XXXX   XXXX   XXXX    XXXX  .... 2.  XXXX   XXXX   XXXX   XXXX   XXXX  ....   3.   XXXX   XXXX   XXXX   XXXX    XXXX  ....  4.     XXXX   XXXX   XXXX   XXXX    XXXX  ....     It is also proved in my investigation that by sending me account statements from the creditor does not dignify ownership.     I have provided through experian.com/upload a copy of my social security card and driver 's license.
in XX/XX/XXXX I lost my home with HSBC. I tried since XX/XX/XXXX to do a loan modification with them directly. they made me send in papers and fax over statements. in the end they didn't approve or help me at all. I had to lose my home to short sale at XXXX XXXX XXXX XXXX XXXX fl XXXX. I heard about the HSBC mortgage settlement. I called the number but they can not help me. I already moved to a new home XXXX fl XXXX. I need to know if I am eligible to receive a settlement from HSBC? thank you.
XX/XX/XXXX I received a call from Midwest Recovery Services stating I owed a debt for a supposed payday loan taken out in XX/XX/XXXX. They stated that I owed {$600.00} to XXXX XXXX XXXX XXXX and that I gave them permission to take an ACH from a XXXX XXXX account ( which I've never had ) and that it was insufficient funds. When I asked them to send me documentation regarding this debt -since I'd never taken out a payday loan or had a XXXX XXXX account, they hung up on me. I called them back and spoke with a XXXX XXXX and she stated that they are just a mediator and do not have access to that information. I explained that the address they had for me was not mine and that I never had a XXXX XXXX account nor taken out a payday loan and she threatened to send it to the Attorney General for prosecution and that once they do that I would have access to this documentation and then hung up on me again. I did some research online and discovered that they do this to a lot of people and say the same thing and these people also have never taken out a payday loan. This company needs to be stopped. They are ruining peoples credit with fraudulent information.
The problem is first of all I have been told that I should not be the one responsible for my son 's loan as a co signer for Navient. I want to be taken out as a co signer. When he took out the loan he was not an adult to be responsible for a loan. Then I paid interest on it since the loan was taken out. This goes back to XX/XX/2012.
I wish I had know about the CFP years ago, but I could use your help now. I was foreclosed on by PHH but filed a countersuit against them. All of that is over now but PHH refuses to send me monthly statements. I 've called them and sent notes with my payments. The second call about a month ago they told me, they would send statements. I am not 100 % sure what the payments are and fear getting in trouble with them again. My house will be paid off in a couple of years but meanwhile, lots needs to be fixed, etc and I ca n't get a loan. I 'll look some more at the website but if you could get them to send me monthly statements, I would really appreciate the help.
My account is not being reported correctly. It shows my account as open with XXXX when this has in fact been paid in full. Also none of the balances are reported correctly, each credit agency is showing completely different payment dates and details. This information cant be reported accurately if it isnt matching on all three credit reporting agencies data. Correct information should match on all reports. I am attaching a letter that claims you have researched and are showing information is being reported accurately which is false. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Installment Account Loan Type : AUTOMOBILE Date Updated : XX/XX/XXXX Payment Received : {$300.00} Last Payment Made : : XX/XX/XXXX Pay Status : Current ; Paid or Paying as Agreed Terms : {$280.00} per month, paid Monthly for 23 months Maximum Delinquency of 30 days in XX/XX/XXXX and in XX/XX/XXXX for {$280.00} High Balance : High balance of {$4800.00} from XX/XX/XXXX to XX/XX/XXXX ; {$4800.00} from XX/XX/XXXX to XX/XX/XXXX ; {$4800.00} from XX/XX/XXXX to XX/XX/XXXX ; {$4800.00} from XX/XX/XXXX to XX/XX/XXXX
as of today XXXX XXXX they have the following accounts reporting incorrectly and refuse to investigate XXXX financial services account # XXXX this is being reported incorrectly XXXX XXXX probation account # XXXX they have me listed as late I have never been late and they refuse to investigate XXXX account # XXXX again another account that they refuse to investigate this is also being reported in correctly
XXXX XXXX XXXX never sent me a letter regarding alleged debt. This VIOLATES the FDCPA. They fictitiously reported to credit bureaus that I owed XXXX dollars to a business named XXXX XXXX XXXX. Once again, this violates the FDCPA. I have never done business with XXXX XXXX XXXX nor applied for a loan with them. I contacted credit bureaus and disputed. XXXX and XXXX are no longer reporting this fictitious account. TransUnion continues to report because XXXX XXXX XXXX continues to report this fictitious account to them. This is another violation of the FDCPA. This is nothing more than an attempt to extort money. Furthermore, payday loans have been illegal in the State of Arizona since XXXX XXXX, 2010 according to the Arizona Attorney General.
To be given restitution or loan forgiveness for over charged interest rates to charge to me attending XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX on campus in XXXX, Texas and online in XXXX XXXX IL location please help me resolve my issues with XXXX XXXX. They say I owe {$73000.00} Sincerely, XXXX XXXX, XXXX XXXX ID # XXXX at XXXX XXXX
I am not sure how many more times I can do this without finally concluding the only way to resolve this is through the court system. 

On XX/XX/XXXX, I filed my 5th CFPB complaint against TransUnion case # XXXX, Concerning accounts on my credit report that were the result of Identity Theft. 

I provided a detailed chronological history and documents supporting my claims. I even forwarded my complaint to CEO XXXX XXXX XXXX I showed that I had followed all the requirements to have ID Theft accounts blocked from my report. I was also able to show numerous untruthful statements and violations by TransUnion. 
As a result, TransUnions response on XX/XX/XXXX assured me that all the accounts I had filed as a result of ID Theft, were either previously removed or would be removed. ( see attached CFPB case XXXX ). 

However, after viewing my TransUnion credit report two ( 2 ) XXXX accounts continue to remain ( see attachments XXXX XXXX and XXXX XXXX ). Despite the fact on the following dates I had reported both XXXX accounts as a result of ID Theft and requested TransUnion to block them. ( see attached copies of TransUnion/XXXX   tradelines ) On XXXX, XXXX I filed my first ID Theft claim and request to block numerous account including 2 XXXX account. Results : No response from XXXX and accounts were not blocked On XX/XX/XXXX I filed a 2nd claim with TransUnion and XXXX identifying these XXXX accounts as Identity Theft. Results : No response from XXXX and accounts still not blocked Note : Twice, in XXXX & XXXX, I had sent certified letters, documents & an Affidavit to XXXX advising them of my ID Theft claims and requesting them to investigate and provide me with those results. To this day I have not received a response from XXXX. 

I would like to think this was a simple oversight and hope TransUnion recognizes their previous response along with my previous ID Theft claims. ( See attached ID Theft claims FTC Report Number XXXX from XXXX )
On XXXX/XXXX/2017, I attempted to have TransUnion startup an investigation into inaccurate and/or incomplete information they are reporting as public record. Rather than investigate my dispute as to who was the Trustee in an alleged bankruptcy case they attempted to give me the run around, and refused to investigate my complaint. I further requested the Court Number which they refused to investigate. When I informed them that I would file a Federal consumer complaint and asked where to file my complaint, they intentionally misguided me telling me to file with the BBB, not the CFPB.
In XX/XX/XXXX I hired a credit repair company to help me remove some things of my credit report from all three credit agencys in which they did help but, I have one of {$600.00} that 's keep coming back after it was removed a couple time but reappear. I sent letters every 90 days and still nothing
XXXX sends out printed advertising but application for the loan is done online. On XX/XX/XXXX, XXXX XXXX ( XXXX XXXX XXXX, XXXX ) approved a loan in the amount of {$6500.00}. I printed out the email showing that the loan amount of {$6500.00} had a 14.99 % APR and a term of 3 years. I selected these terms on applying for the loan. These terms were repeated in an email on XX/XX/XXXX, when the loan was funded. 
In actual fact, a loan proceed of {$6100.00} was deposited in my checking account. 
When I called the XXXX number on XX/XX/XXXX, I was told that a loan origination fee of {$320.00} was deducted from the amount deposited to my account. The origination fee was not declared on any of the information about the loan I printed out. 
After the fact, I went back to the advertising sent to me and found in closely spaced, tiny 2 point grey print reference to an origination fee. 
The CSR knew who I was, but told me that the origination fee was 5.25 % ( which I converted to XXXX during conversation with him to check the math ). Then he changed the percentage of the origination fee to 4.79 %, and this was correct ( XXXX x XXXX = {$320.00} ).
Under the FCRA, unverified, invalid accounts must be removed. 

If Capital One is unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from credit reports including but not limited to XXXX, XXXX and XXXX XXXX. 

I demand the account be verified, that I be provide PROOF or removed immediately! 
The law is very clear as to the Civil liability and the remedy available to me for the " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law.

On or about XX/XX/2017 I submitted a request to Capital One to provide me " wet signature '' actual proof of authorization to report any credit information according to the Fair Credit Report Act, Section 609 ( a ) ( 1 ) ( A ). 


Despite numerous, requests, Capital has not removed from the reporting agencies information for : : Capital One a/c XXXX XXXX XXXX XXXX Capital One a/c XXXX XXXX XXXX XXXX I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed below : The fair resolution to the is for CAPITAL ONE to remove any credit information they are reporting unless they can provide HARD COPY PROOF TO ME through the physical verification of the original signed certified consumer contract - of any and all accounts o be posted and or reported on a credit report.
A Capital One credit card is not reporting on my XXXX and XXXX credit report. The account starting with XXXX was opened XX/XX/XXXX2001 and has been paid in full. I 've notified the company repeatedly but they have failed to update the XXXX credit bureaus with the accounts information and only update the section which displays when the account last reported.