WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX 2015, I received email from Sears/Citibank asking for verification of a suspected fraudulent {$650.00} purchase made in another state. I called and confirmed that this was not my purchase. I have not been contacted since, so I logged into their website to get a contact number to check on the status of the fraud investigation. Much to my surprise, I found that my account had been closed. When I called customer service, I was told that my account had been closed 2 days after my phone call in XXXX. However, I was not notified that the account was closed nor did I receive a replacement card. They were unable to provide an explanation for the lack of notification on closing the account or the lack of a replacement card. The rep also told me that the amount of the purchase was {$65.00}, which was considerably less than the amount listed in their email from XXXX. When I asked if a replacement card would be issued, I was asked to provide my entire checking account number to verify my information. They were also unable to provide a current status on the fraud investigation.
I sent in 3 letters with documentation to have incorrect information removed from my report that the legal officer on base gave me. I also received a letter from the XXXX county bankruptcy department in regards to a bankruptcy that doesnt belong to me and since it wasnt verified by the courts. I know there is no way it was verified properly. I asked the courts to have it removed and they told me since they didnt report it they couldnt remove it. So I sent the paperwork in to XXXX  and it is still reporting on my credit report after it was once removed.
I took out a  XXXX  loan with Navient my freshman year of college. I 've so far paid {$4500.00} and I still owe {$1600.00} according to Navient. That make 's no sense when my interest rate is set to 4.25 %. Someone please help me with this as I 've been paying and paying and the compounded interest does not seem right whatsoever.
I PAID .WELLS FARGO BANK OF XXXX IL. XXXX XXXX. DOLLARS ON XXXX/XXXX/2016. THEY ACKNOWLEDGE RECIEPT BUT DO NOT KNOW WHERE MY MONEY IS AND DO NOT KNOW WHY IT IS NOT CREDITED TO MY ACCOUNT.
on XX/XX/XXXX at XXXX i check my credit score an notice HARD Inquiry details from Syncb/jcp there is an hard inquiry from XXXX  XXXX, XXXX that i did not consent to nor was acknowledge of being on my credit an would like this removed. I did not an never consent contract or gave permission for my credit too be ran for a XXXX XXXX XXXX XXXX XXXX Syncb/jcp XXXX, FL XXXX ( XXXX ) XXXX
TransUnion credit reporting agency has not removed negative public record from credit report. XXXX   has removed information and has increased credit score to the excellent category.
I had a debt on my credit report from XXXX XXXXXXXX XXXX in XX/XX/XXXX. I disputed the validity of this debt and the reporting company removed it from all 3 bureaus. As of XX/XX/XXXX this debt has re-appeared, this time being reported by GC Services. I have initiated debt validation with them as of XX/XX/XXXX. The biggest issue of this at this moment is the re-aging of this debt. it was originally reported as XX/XX/XXXX and is now being reported as XXXX XXXX. This is a complete violation of 15 U.S. Code & 1681s-2 responsibilities of furnishers to report ACCURATE information. This is completely inaccurate and this collection agency should be reprimanded for their deceitful collection practices.
I opened a account with XXXX XXXX XXXX on XX/XX/XXXX the car was illegally repossessed in XX/XX/XXXX. Santander charged off the account as a loss. However Santander was still reporting the original balance of the loan even though the car was sold at a auction. I never received a XXXX nor a bill of sale from the auctioning of the car. Santander sold the debt & states that they no longer have credentials to it & for me to contact the collection agency. However there is no listed collection agency for this debt AND Santander is still incorrectly reporting this debt.
BACK IN 1996 WHEN I SIGNED UP FOR COLLEGE IT WAS THEN KNOWN AS XXXX XXXX COLLEGE. BUT THE NAME CURRENTLY IS XXXX. I SUBMITTED A AFFIDAVIT AND LITERATURE TO XXXX XXXX XXXX   SHOWING WHERE THIS SCHOOL WAS STEALING MONEY FROM STUDENTS AND WAS ORDERED BY THE COURTS TO REPAY THE MONEY BACK, THIS WAS AROUND THE TIME I HAD SIGNED UP TO ATTEND THIS SCHOOL. THEY WERE CASHING STUDENTS CHECKS, FILLING OUT PAPER WORK FOR FALSE STUDENTS TO GET THE CHECKS. I SIGNED MY NAME 5 TIMES AND SUBMITTED TO XXXX XXXX XXXX. XXXX XXXX XXXX IS ASKING FOR A POLICE REPORT THIS TOOK PLACE IN XXXX, ALABAMA IN 1996 WHEN I CONTACTED THE POICE DEPARTMENT THEY LAUGHED AT ME WEN I TOLD THEM THE YEAR OF THE INCIDENT THIS DEBT HAS BEEN FOLLOWING ME FOR OVER 20 YEARS NOT KOWNG ABOUT MY RIGHTS AND THE LAW I NEVER KNEW THAT I COULD HAVE REPORTED THIS SCHOOL YEARS AGO, I WAS YOUNG AT THE TIME AND I THOUGHT THE SCHOOL WAS CHARGING ME FOR NOT FOLLOWING THRU AND DIDNT GRADUATE. THIS DEBT IS ALL FRAUD!!!!!!!!! WHEN I GO ONLINE AND LOOK AT MY RECORD. IT SHOWS ME AS A GRADUATE STUDENT FROM XXXX XXXX COLLEGE. THATS THE FIRST INACCURACY I NEVER GRADUATED FROM COLLEGE WHY WAS IT REPORTED THAT I WAS? SECONDLY I NEVER CASHED A CHECK FROM THIS SCHOOL. I SIGNED MY NAME 5 X AND SUBMITTED TO XXXX XXXX XXXX. I AM ASKING THE DEPARTMENT OF EDUCATION TO STEP IN AND ASSIST. I SENT XXXX XXXX XXXX CRITICAL INFORMATION I GATHERED FROM THE XXXX, ALABAMA COURTS THAT SHOWS THIS COLLEGE XXXX XXXX COLLEGE STOLE MONEY FROM THE GOVERMENT AS WELL AS STUDENTS AND I ENCLOSED IT WITH MY DISPUTE / FRAUD. I HAVE A POLICE REPORT FOR FRAUD BUT NOT FROM 1996 AT THE TIME THIS WAS NOT ON MY CREDIT REPORT UNTIL MANY, MANY YEARS LATER. I HAVE PROVIDED CRUCIAL EVIDENCE THAT THE SCHOOL WAS MISUSING STUDENTS FUNDS AS WELL AS CASHING CHECKS OF STUDENTS THAT HAD WITHDREW. PLEASE INVESTIGATE AND REMOVE.
Transunion and XXXX have the same debt listed under XXXX different collection agencies. Transunion Reports XXXX XXXX XXXX and XXXX reports XXXX.. Both are reported at {$10000.00}. The original debtor is XXXX XXXX XXXX. There is only XXXX DEBT, not XXXX. This mistake is lowering my credit score more than it should. XXXX or XXXX of these is wrong and should be corrected / removed. Furthermore, I have never heard from XXXX XXXX XXXX, and XXXX XXXX XXXX has not finalized the supposed debt, at times asking for a much lower amount to settle the claim.
I just received a very threatening call from a debt collector ; first leaving a threatening voicemail saying I was in dire straights and I need to call back immediately because someone issued complaints against me. I was very confused thinking who could file a complaint against me so I called the phone number that was left on my voicemail. After calling the phone number, the representative XXXX XXXX XXXX explained I had debt with US Bank. I was very confused because I had not had a checking account with US Bank for over 7 years when I closed my account because I was moving to a different location. I told her if I had a credit balance where I owed money to US Bank, they would not have allowed me to close my checking account. She then said that I had an outstanding credit balance of over {$500.00} and If I paid her a little over a {$1000.00}. everything would be taken care of. I told her I would go to US Bank and take care of this since, I legitimately closed my checking account with US Bank without a credit balance. Please help?
Central Financial control is a collection agency that is handling my medical debt. I spoke with an agent in XXXX of 2016. They agreed that if I settled the balance then the items would be removed from my report. I paid the times and the agency is still reporting as negatively. i paid half of the debt which was considered settled in full, however, the remaining balance is showing negatively on my credit report. I am requesting that you contact the agency and have them remove theses items from my credit report.
Since graduating from school in XX/XX/2010 the creditor company names continue to be changed, taken over, replaced through acquisition. When I check my credit report different companies are listed but the amount is the same. I have tried several times to get them to remove the accounts since they were closed due to the original company being replaced. It has truly affected my credit score since it is the same accounts over and over again. I was informed that after 7 years the account would be removed. The lender company for my student loan has changed names and ownership several times. Yet the amount keeps reappearing as if I owe to each one. I am really trying to work on building up my credit but this is seemingly becoming a hardship. In my credit report I have the same loan showing up with 5 different names. It would be great if the old ones would be removed. 
Also for one of my accounts it continues to appear as closed even though it was paid in full. It does not reflect or let potential lenders know that I have paid the creditor the full amount that was due.
Dear Sir or Madam : I am writing to file a complaint against HSBC Bank, NA for failing to provide me with a service routinely available to its richer clients. 

XXXX What HappenedThe service is a medallion signature guarantee - in effect, a stamp from a bank or other financial institution that guarantees my signature, and has checked my ID to confirm that I am who I say I am. The bank is guaranteeing that I am not forging someone else 's signature, and will accept liability if somehow the signature turns out to be a forgery. 

Because a bank generally wo n't issue this guarantee to someone they do n't know, it 's best to obtain a signature guarantee from a bank or brokerage firm with which you do business. 

In my case, that 's HSBC. I have been a customer of HSBC for many years, and have a checking account there. ( I also have used HSBC for a business account for my small private business, which is no longer operating. ) I have lived in XXXX at the same address for almost XXXX years ( we own our house ) I am employed, and I pay my bills. 

Recently, my father has XXXX, and both he and my mother have signed power of attorney over to me. ( My father 's XXXX faculties are still acute, but XXXX ) They live in XXXX I live in XXXX. I have power of attorney over their bank accounts at XXXX Bank. 

My parents are not customers of HSBC bank. I am. 

And as a long-time HSBC customer, I expected the bank to guarantee my signature -- I came prepared with the signed, witnessed and notarized power of attorney docs, my XXXX state driver 's license and my XXXX passport, as well as the XXXX request for a signature guarantee. 

After some confusion -- the account executives at the branch on XXXX XXXX, XXXX XXXX did not what a medallion signature guarantee is -- the bank refused me this service after calling someone in operations in XXXX. XXXX in XXXX, who was also unfamiliar with the signature guarantee medallion, declined to provide this service because I was not transferring securities. 

It 's true that I am not transferring securities within HSBC, but I will be transferring securities as an agent for my parents ' financial affairs. 

There is probably no law that compels HSBC to issue the stamp. But this type of service is routinely provided to banks ' and brokerage firm customers as a courtesy. 

I can only conclude that HSBC is withholding this service because I am not a rich enough customer. 
Desired resolutionI want someone from the bank in the greater XXXX area or XXXX to issue a medallion signature guarantee ( guaranteeing my signature ) so that I can complete the process of becoming agents with power of attorney to my aging parents. 

Thanks for your prompt attention to this matter.
Discover card placed a hard Inquiry to XXXX without my knowledge or authorization on XXXX XXXX 2016. 

I have done everything Discover has asked me to do as they have admitted they have no knowledge why I have an Inquiry.
In XXXX of 2016 I turned in my leased vehicle ( leased by XXXX XXXX # XXXX ) to XXXX XXXX XXXX, XXXX. Since I turned the car in a couple of months early I had a balance of {$1700.00} left. On the day of my turning the car in my salesman and I talked to a representative of XXXX to tell them what I was doing and that XXXX was going to pay off the balance of the lease agreement. There was no problem and the transaction was given the go ahead. Lo and behold, in XXXX I started getting letters from XXXX demanding payment and threatening Collection. In XXXX I received an officious letter from SELIP & SDTYLIANOU, LLP demanding payment. Throughout all this time I had been in contact with my salesman ( XXXX XXXX XXXX XXXX ) who confirmed that XXXX had paid. In fact I am holding a copy of their cancelled check as I write this. On two occasions I have FAXED the above named company, I have called both XXXX and Selip but to no avail. I only became aware of how dire this situation is when I tried to open a Credit Card and was informed I had a severe overdue account. Hopefully, this situation can be rectified with the credit bureaus and all other entities. Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX Selip & Stylianou , LLP XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, NY XXXX XXXX XXXX
I used a balance transfer offer that had to be posted by XX/XX/XXXX. I deposited it in my checking ( {$7100.00} ) ( XXXX XXXX ) XX/XX/XXXX. XXXX XXXX says Fifth Third was notified on Monday ( XX/XX/XXXX ) and Tuesday ( XX/XX/XXXX ) that the balance transfer check was deposited. Fifth Third acts like they received nothing. I feel it is their intention to stall it off till XX/XX/XXXX. At that time they could get out of the deal AND charge me {$240.00} transfer fee for a 21 % cash advance. The " customer service '' operator at Fifth Third said that sometimes it may take 2 weeks for confirmation. Ridiculous, it is not XX/XX/XXXX!!.
On XX/XX/2017 At XXXX XXXX capital one blocked me from accessing my account via the XXXX  mobile app
I was only comparing rates for a mortgage. House was paid as a cash purchase. No mortage was required.
In reference to my response from Citi Bank I was contacted by a rep by the name of XXXX XXXX I spoke to hear about my credit card request she promised me that my credit card application would be reacessed for credit card approval. I then call the reacessement line to get a up date only to find out that a credit card application reacessement was not submitted so she lied to me about submitting a request. this is one of the problems of the big banks no respect a bad customer service that lies to customers I am requesting that this be looked into because this only proves my point that these big banks do discrimmate againist minoritys I do n't understand why I was lied to about my credit card reacessement which was never submitted.
I have contacted XXXX about XXXX inquires on my Transunion credit report on XXXX XXXX. I was told that they would contact Transunion removing the fraudulent inquiries. They have not. Then when I contacted them again, they directed me to Transunion in which they directed me back to XXXX. I am entitled to have these fraudulent inquiries removed XXXX Inquiry XXXX XXXX, 2015 XXXX Inquiry XXXX XXXX, 2015 XXXX Inquiry XXXX XXXX, 2015 XXXX Inquiry XXXX XXXX, 2015
Request for experian credit bureau to remove old outdated information and all hard inquires only slowing XXXX hard inquire also show length of credit over 2 years current from my car loan with santender bank paid and paid off timely over 26 months.which is on my XXXX XXXX.my scores went down from XXXX to XXXX would like to see my scores restrung to that level.working diligently in restoring my credit for a home purchase.Thank youXXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Florida XXXX XXXXXXXXXXXX or XXXXXXXXXXXX XXXX
I am enrolled in a XXXX XXXX XXXX program. XXXX, a representative of Republic Finance, is calling my wife and I two and three times a day leaving voice mails and he has been calling my daughter XXXX, at work. She has asked him to cease and desist his calls to her but he ignored her and yesterday,XX/XX/2016, he called her four ( 4 ) times at work! 
( She Does XXXX ). When he calls, he does not state who he is with and will not disclose the information when asked. My wife is in poor health, XXXX XX/XX/XXXX from the VA because of my XXXX health. 
This Harassment needs to STOP NOW! He has gotten on my LAST NERVE!!!!
On XX/XX/XXXX I innocently switched my mobile phone carrier from XXXX XXXX XXXX to XXXX and Without my permission or knowledge XXXX did a Hard inquiry on my credit report which has Negatively affected my credit score. I called XXXX and asked if I paid off the balance of the phone I was financing and brought my account to a XXXX balance, would they remove the inquiry. They said yes so I immediately paid off the {$660.00} balance and they put me on hold only to return to tell me that They could Not and to contact transunion. I contacted Trans union and they said that they needed a letter of deletion from XXXX. I called XXXX again and they said No and referred me to this website. 
This is Not fair because XXXX DID NOT DISCLOSE THEY WOULD RUN MY CREDIT WITH A HARD INQUIRY. If they had then I NEVER WOULD HAVE SWITCHED MY CARRIER!
Equifax security breach, whole family affected including our children. Replacement cards, freezing accounts, constant credit monitoring to protect our credit that costs us with no reimbursement from equifax and will affect us for a long time. Equifax did n't notify us right away and waited until the media found out. This has caused anxiety and equifax has not provided any support.
There is a Bankruptcy on my credit that is not mine. Please remove this bankruptcy immediately as I have never filed bankruptcy and it is only reporting on my transunion credit report. Please this inaccurate information.
My property is in foreclose and the banks have not been cooperating with loan numbers or payoff information. I have lost at least XXXX sales and been threatened lawsuits against me for money damages because I could not get loan numbers in order to get payoff information so I could close. The bank wants my property and refuses to cooperate in the sale because I have equity in the property. It took me two years before I could find out the loan number on the XXXX. I now have another offer and the bank is now telling me that they can not find the file. They want it to go to sale so they can steal the equity even though they have already been paid for the loan.
My name is XXXX XXXX XXXX and I am disputing the accuracy of the information o my XXXX Credit Report. On XXXX/XXXX/XXXX, received a copy of my XXXX Credit Report. The dispute is with REAL TIME RESULTIONS # XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX ). I do n't recall opening an account with the aforementioned retailer. My Bankruptcy discharged XXXX/XXXX/XXXX. 

Placed for collections : XXXX/XXXX/XXXX Balance {$1900.00} Original Creditor : XXXX ( Retail ) Should you have any questions regarding this matter feel free to contact me at the contact information below. 


Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
This company calls every morning, leaving a message on voicemail, and does not identify itself and asks that I call about " a very important matter ''. The number they ask me to call is XXXX. After research online, i found that they collect junk debt. I want them to stop calling me.
In the    XXXX   XXXX   XXXX    I was erroneously charged {$83.00} for co-insurance by the hospital I work for related to services provided in   XXXX   XXXX   XXXX   XXXX   XXXX  . Hospital policy is not to collect co-insurance from employees and family members covered under the employed individuals benefits plan. I did explain this in writing in a notification sent back to the hospital billing department.   In   XXXX   XXXX  , I received a notice of debt collection from  XXXX   XXXX   XXXX . I sent a written notice on   XXXX   XXXX   XXXX   demanding immediate cessation of attempts to collect this erroneous debt.   On   XXXX   XXXX   XXXX   I received another letter seeking to collect this debt with the addition of accrued interest making the total {$85.00}.   I have sent another notice to the company as of today,   XXXX   XXXX   XXXX   demanding immediate cessation of attempts to collect this debt.
On my Citibank statement of XX/XX/2018, my balance was {$3500.00}. As a result of my divorcee, as pasrt of the settlement, the agreement required the payment of the balance by my wife. That payment was made by her attorney which should have left a " {$0.00} '' balance. 

The payment was posted to the account on the XX/XX/XXXX statement. Despite the foregoing payment they charged a late fee of {$25.00} and interest due of $ XXXX.The XX/XX/XXXX statement reflected the balance at {$48.00}. When the XX/XX/XXXX statement came in, I paid that amount in full. Again they added {$35.00} in fees and {$0.00} in interest. I spoke to Customer Service about the charges and during that conversation, I requested that the account be put on auto pay. The XX/XX/XXXX bill came in and the auto payment was not reflected on the account which they say they had no record of. Under the circumstances, I can not prove the request for auto pay but feel that this matter has gotten out of control. To add insult to injury, they have also reported my late payments to the credit bureaus. I am on social security, have no pension and work 2 jobs. I have tried with good faith to take care of this situation but have been unsuccessful in trying to work this out with Citibank.
My original Home Equity Line of Credit was transferred to Ocwen from XXXX XXXX XXXX XXXX. 
The loan was paid in full on XXXX XXXX, 2014. 
Although many attempts have been made, and Ocwen promised to send me a satisfaction of mortgage, it has not happened to date. 
This has costs me many hours of time, effected my credit, prevented me from obtaining loans and is still shows up as a lien on my home.
Creditor advises account was reported to credit bureaus as of XX/XX/XXXX. However based on the conversations i've had with XXXX, XXXX   and Equifax, account never reported to any credit bureaus. 

On XX/XX/XXXX I contacted XXXX XXXX XXXX  and spoke to Senior Account Specialist XXXX XXXX. Specialist advised account was reported to bureaus and was the responsibility of the credit bureaus to report account.
XXXX has sold this debt once again this time to AFNI. The debt is not mine and I have a police report on file during the period in which this fraud took place. XXXX should not continue to sell this debt when they have been advised of it being a result of identity theft. Neither ATT or AFNI can produce a contract stating I agreed to this debt. Thus this debt can not be validated and has not been by AFNI or anyone else. I 'm very familiar with the FCRA and the FDCPA laws and these debt collection tactics are a violation. If they cause me any further damage and that includes my credit standing I know that I 'm within the law to file a lawsuit. I 'm asking for your assistance to help put this away quickly and quietly
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never late 30,60, or 90 days late in the months of ( XX/XX/2017 through XX/XX/2017 ) .I 'm not sure how this happened, I have always made my payments to you when I received my statements. My only thought is that there was billing error with my statement did not get.