WillisBack/dataset-financial-user-claim huggingface dataset:
I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/18 ; XX/XX/18 ; XX/XX/18 ; XX/XX/18 ; XX/XX/18 ; and XX/XX/18 to XXXX XXXX and all the credit bureaus. It is now XX/XX/2018. I sent the XXXX XXXX and all the credit bureaus a copy of my police report, ID Theft Affidavit, ID, and my social security card. The company has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.
Transunion is currently reporting a negative account XXXX XXXX XXXX. I have disputed this account three times. I have asked for validation of this debt and verification of the steps used to verify and validate this debt. Transunion has failed to provide me with this information.
I got a mail invitation from " HSBC Bank USA, NA '' to apply for a credit card and when I applied online, I got rejected due to : Excessive obligations in relation to income The problem is : I have no obligations ; none whatsoever. No mortgage, no auto loan, no outstanding credit card balances, nothing. 

When called, they told me to contact XXXX. There is no problem with my XXXX  credit report, either. I have verified it. 

I believe the problem is due to HSBC Bank 's software systems - when applying online, their web site asked me questions which made no sense ( because none were relevant or applicable to me ). But they refuse to acknowledge their problems, but instead are denying me a credit card illegally and for non-existing reasons.
The school I attended was XXXX XXXX of XXXX XXXX in 2009. the schools tuition was about XXXX. I felt like the program wasnt true to their word because I never got to start a career in my field. I am struggling to pay back a loan for a school that didnt live up to the requirements nor is not even open anymore. XXXX took out 3 loans 2 with navient bka XXXX XXXX and XXXX XXXX XXXX  now now under a new name. The XXXX loan I have paid off but navient keeps taxing on interest that im going to be stuck with forever paying off this loan and I feel like the school was a rip off and I shouldnt be paying on it. Its also hindering me from getting things done as it brings my credit score down terribly.
Someone unknown to me has put me on their account as an authorized user, Inwhich I'm asking the credit agencies to remove / block the following accounts immediately. XXXX XXXX, and XXXX XXXX. I have no knowledge of these accounts.
The company XXXX XXXX  appeared on my XXXX credit report on XX/XX/XXXX and on XX/XX/XXXX. It appears to be finance and personal under business type. When I contacted the company, they informed me that my social security number and other identifying information was used in an attempt to acquire a car loan. I informed the company that I have not submitted any form of application for auto financing and that this inquiry was initiated without my consent or knowledge or permission. The company said they will document the issue and contact me back with further instruction. I have yet to hear back from the company and each time i contact them further, I am told the same thing.
On XX/XX/17 I visited Equifax 's web page for determining if I was affected by their data breech. I was. It was suggested I sign up for their free Monitoring and Identity theft service with a XXXX XXXX protection package. I did so. During the sign up, under terms and conditions where one is able to see the 1 million protection, it showed two different levels of protection. One for 1 million and the other for only {$25000.00}. It did not tell me what was applicable to me. I called Equifax 's help line for this service and the rep stated he did not have access, nor knew of this. I asked for a supervisor. I was put on hold, he came back and it was stated that no supervisor was able to answer this. His instructions were that I call XXXX and leave a voice mail to request that Equifax call me back. That number does not reach such a service. He also provided https : //Help.Equifax.com and while I was still on the line with him, I went there and no such answers were available. At this point I do not know if I am signed up for any protection what so ever, and if I am what the protection levels are.
Chase applied my payment to the wrong account. the problem is they have not taken the 30 day late off of my credit reports yet.
I called in XX/XX/2018 to argue about the amount of XXXX that was billed to my account. I never received my JC Penney Credit Card through mail. Someone else must have received it and used it in other stores. I called Customer service and i was told they would clear my account. I received another statement this month of a bill of XXXX.
Green lineloans the Lender has been paid back XXXX to date on a XXXX dollar loan. After consulting with my attorney I found out they are not licensed to do business in the state of California and I over paid them XXXX which in the interests of good faith I 'm not asking for a refund. Thy claim I still owe XXXX and change.
In XX/XX/XXXX, First Tennessee Bank charged off my second mortgage. I contacted them to make payments of {$400.00}. I made payments for 5 years with them stating it was being applied to my principal. Recently, I was unable to continue making the {$400.00} payment due to financial hardship. First Tennessee contacted me earlier this year to begin making payments. I offered {$200.00} a month. The lady on the phone stated it would n't be enough to cover principal and the accruing interest. She told me in order for the phone calls to stop I had to make the original payment of {$770.00} to include the interest. This does n't make sense to me because in order to charge a consumer interest should n't I receive regular monthly statements according to the Truth in Lending Act? That is the number one reason charge off accounts are n't charged interest because there are laws that apply. Also, in reviewing my original documents, there is no where that speaks to charging interest after the loan is in default. I do n't understand why i 'm being charged interest on an account that is no longer on the company 's records as an active account. To make matters even more complicated the last time the account was reported to the credit bureau was XX/XX/XXXX with a balance due of {$100000.00}. They are n't even reporting to the credit bureau the increased amount.
Wells Fargo discontinued the Nevada  Unemployment program and advised ( in a letter ) that all remaining balances would be send via check. Prior to the program ending I changed my address with Nevada  unemployment to my Ohio  address. After not receiving my check I walked into a Wells Fargo branch and they could not help me so I called on X/XX/17 and inquired, only to be told it was send to the old and inaccurate address. I was also told it would take 10 to 30 days to replace the check and it would be sent to my new address, XXXX XXXX XXXX XXXX, Ohio  XXXX. I called Wells Fargo today and immediately received a rep and they said I have to transfer you to a level 2 representative. I have been on hold over 45 minutes. Fortunately I am back to work and can wait on these funds but I ca n't get anyone to tell me what is going on. I would like my remain balance ( somewhere around {$1300.00} ) IMMEIDATLY and am requesting interest since you are holding my funds. In addition I would like a call so I can arrange to pay off my Wells Fargo credit card, close my checking account and I will arrange to move my mortgage. This was my first experience with Wells Fargo about a year ago and unfortunately it has been very poor. I am also filing a complaint with the CFPB. I finally talked with someone at the company and they said I would receive the funds but now there is no timeline. They cant hold money they owe me XXXX, if I owed them money and I was n't paying back, I would get calls everyday.
I was granted a change of due date from the  XXXX  of the month to the  XXXX . Paid the regular  XXXX  payment and set up for auto withdraw for  XXXX   XXXX .  XXXX   XXXX   XXXX  withdrew  XXXX  payment in   XXXX   and I did not authorize  XXXX  car payments in the same month. I called on   XXXX   and was told that there is nothing they can do.
Equifax reports me as authorized user for a XXXX charge-off XX/XX/2010. I am not joint-owner nor did I co-sign. Also I am not married never was therefore not a spouse and not to be held responsible!
My name is XXXX XXXX and on XXXX XXXX I received notice from WELLS FARGO XXXX preservation Department stating their loan modification was denied on account number XXXX. Currently there is an Appeal on this denial, however I noticed that a ( income and expenses documentation XXXX from XXXX was used in the decision on the loan Modification application submitted in XXXX XXXX. Due to the change in circumstances from The origination of the loan in XXXX, This matter should be investigated.
Late last Summer I was told that XXXX XXXX would be changing its credit card service from XXXX to American Express. On XX/XX/XXXX I called both American Express and XXXX XXXX and told them that I did not want an American Express card. I talked to XXXX XXXX ( XXXX ) XXXX, XXXX at Am. Express. Since that time I have contacted both American Express and XXXX XXXX many times adamantly expressing that I did not want XXXX XXXX to share information with American Express due to previous problems that I had with XXXX. XXXX. Early in XXXX I received a American Express card in an envelope which I did not open until last month. I have not activated the card. I sent multiple emails, letters and calls to both XXXX XXXX ( letters and email XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ) and American Express ( Letters and email XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, & XX/XX/XXXX ). Also, there were numerous calls. They shared my personal information contrary to my express wishes ( that were made clearly ) and transferred money without my permission. They can not close the account without my permission which I have not given. I wanted to have evidence as to who was responsible, which American Express recently blamed on XXXX XXXX. ( note some of the letters were sent with tractability via USPS. Some calls were recorded and emails copied. American Express did not like the fact that I record my calls, as allowed in Georgia, and refuse to call me. P.S I posted this on XXXX. I don't know if the lapse in security caused it ; but, I had an attempt for someone to purchase an American Express card ( {$100.00} ) from a different credit card account ( XXXX XXXX ).
On XXXX XXXX XXXX, a financial wire transaction for sum of {$210.00} USD was executed with Western Union XXXX Co. Western Union XXXX Co for reason unknown to me my bank account was charged three times in the sum of ( 1 ) {$210.00}, ( 2 ) {$210.00}, ( 3 ) {$210.00}. A total sum of {$630.00} monies were withdrawn from my XXXX account and {$210.00} was payout by Western Union XXXX Co. Promptly, as soon as the error was detected dispute form was filed with XXXX XXXX XXXX XXXX in XXXX XXXX. All reasonable efforts initiated in good faith to reconcile the financial error by Western Union. 

Finally, On XXXX XXXX XXXX, my identify theft protection service alerted me to XXXX debt collector attempting to collect {$210.00} dollars. I contacted XXXX, who reported they are a collection agent on behalf of Western Union to collect a debt of {$210.00}. Contact was made with Western Union by emails and phone calls multi-times without adequate resolution. On a follow up check of Western Dispute # XXXX case opened XXXX XXXX, XXXX, Western Union informed me that the case has been closed. Western Union said they would reopen the case and look into it. As many times as I have attempted to communicate this error in good faith, they simply have been no resolution. I am concerned because negative financial information will affect my sensitive Government security clearance and position, I am concern that this may not be a isolated incident, I am concern that Western Union has repeatedly failed to resolve this rather simple issue. Documents have been submitted which clearly indicate that the statements above is both accurate and truthful. 

Please advise.
The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age. However, this is exactly what this company is doing because of not being properly qualified and being unprofessional, relying on automated systems vs. dealing with each lender personally, not doing due diligence in checking for all required documentation and discriminating consumers purely due to their misunderstanding.

First they harassed me with constant marketing mailers claiming that I'm pre-approved for the loan ( XXXX credit score, extremely healthy credit, no derogatory marks at all ). They then denied my application not based on my credit worthiness, but because they discriminate me based on my origin and because they don't have professional services in place to understand my immigration documents and moreover, failed to contact me prior to decision to ask for additional supporting documents. They claimed that my green card expired, even though at the time of application I attached the official stamped extension letter ( form I-797- notice of action of the petition I-795 ) received from the USCIS , stating that my green card and immigration status are in order. I also additionally attached form I-795 ( which is previous step prior to getting extension letter- form I-797 ). My immigration status is already set, and I already even got the approval for green card extension, and their automated system was asking for some other irrelevant form I-90 ( which in only requested after you had a card for 10 years. I had mine for 2 years only, which was shown on the card submitted, and in that case form I-I-795 is requested, not form I-90 ). That made me eligible to receive any type of loan in this country. They however failed to research into this ; didn't contact me to correct it ( never e-mailed me with specifics of question, never called me ; just updated status in the system rejecting my application ) ; thus illegally basing decision on incorrect information. I would not authorize a credit inquiry had I known that the company doesn't understand requirements for the documentation. Nowhere in their marketing attempts or rules do they state anything related to required documents, number of attempts they will make and their ways of handling such cases. And their lack of professionalism caused me damage ; created inconvenience, and made me waste my time while I was waiting for response for more than 3 weeks, not even talking about damaging my credit score. Even after that, they failed to communicate with me and call me to correct their mistake. 
Incredibly bad service. I'd like consumers and financial administration to be aware of that. They don't perform a due diligence prior to making decisions on loans, they fail and thus fail consumers and government.
I was looking to open a new bank account so I could save for specific things in different accounts. I XXXX good banks with promotional offers now, because I figured if I was going to open a new account I might as well get extra money to kick start my saving! I found XXXX reputable banks with good promotional offers that I could meet the requirements. One of these was Bank of America. They offered a {$300.00} bonus for opening a checking account and making direct deposits totaling {$4000.00} within 90 days of opening the account. I met the requirements within 60 days and even called to check I met the requirements. When I still did n't get the bonus I called and they said they had no record of this offer on my account and to take a printed copy of the offer to the bank in person. I did this and the manager of the branch submitted an escalation request because he confirmed I had the offer in-hand and met the requirements. The escalation was denied, because they said this was a targeted mail offer. There is nothing in the fine print that says this at all, and it was something I found directly on XXXX ( not through another page then to BOA, the search results went directly to the BOA splash page ). This is dishonest to promise someone an offer and deny it based on something that was not in even written in the offer. If they had in the fine print on the online offer that you must have received a paper version of this in the mail to be eligible I never would have opened the account!
Opened a checking account which had a {$200.00} signup bonus after a direct deposit. The terms of what qualified as a direct deposit were confusing and in fine print. I was not told that my direct deposit did not qualify until after the period to make one occurred.
XX/XX/2018 I was in contact with XXXX XXXXXXXX XXXX. I did not create a new account with their company.
I opened checking account using promo code that I got in the mail. I opened checking account with citi and completed all the requirements from the promo to receive the XXXX thank you points. Please see included screenshots for the conversation and confirmation from Citi. Citibank does n't want to honor the bonus saying that I was n't targeted.
Receive multiple calls a day, not every day, but on the days they do call there are two or three calls. They won't say who they are until I verify specific personal information ( DOB, SSN, address, etc. ) which I will not do. They will not stop calling, I have asked them to not call, send mail. I have told them they do not have the right number, they still call. I block the number, they call from a different one. It really has to stop- I work and these calls are disruptive.
Multiple representatives continue to call me daily although I have advised them when I will make a payment. I receive at least XXXX calls a day at home and at work. I have told them I will make a payment soon, but they continue to call multiple times a day to continue to pressure me into making a payment.
Bank placed a negative complaint on my XXXX report for suspected fraud activity and I do n't owe the bank anything and there was no fraud on my account.
XXXX has been non-compliant with removing the unverified account EQUITABLEACC which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that EQUITABLEACC was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
# 1. On my Experian credit report, XXXX did a hard inquiry on my credit report for their credit services on XX/XX/XXXX. I received a letter and multiple voicemails to call them to verify my information. I spoke with mulitple departments and no one was able to pull up my information. Every customer service agent I spoke to kept telling me that my old account was charged off which had nothing to do with my current application. There was no record anywhere of my credit being pulled in their system. I then received an email stating that I was denied credit, about 3 weeks after applying and being told that they never pulled my credit report. I would like the inquiry removed from my credit report since XXXX states that they never ran my credit. 

# 2. XXXX is also misreporting an account I had with them as both current and charged off which is having a detrimental effect on my credit report. I paid XXXX directly in the amount of {$210.00}, which I have a copy of my bank statement showing the amount and that I paid XXXX and not a third party collection agency. 
Beginning on XX/XX/XXXX through XX/XX/XXXX, XXXX reported my account as charged off. From XX/XX/XXXX through XX/XX/XXXX, they reported my account in good standing. XX/XX/XXXX, XXXX again reported my account as charged off and then in XX/XX/XXXX and XX/XX/XXXX, reported my account as in good standing. XX/XX/XXXX it was reported as charged off again. Having the account go back and forth from in good standing to charged off wrecks havoc on my credit report, when the minimum that should have been done was to update my account to paid collection. 

I have reached out to XXXX to have this matter taken care of, to show that I have paid my debts and have my credit report updated, but after months of being told to contact the third party collectors, whom I never paid nor are they on my credit report, and completely disregarding my concerns and I would like this completely removed from my credit report.
dropped a check to pay XXXX of my citi bank credit card infull in the night deposit at there XXXX branch on XXXX accounts end in XXXX and XXXX got a call from the head teller who refused to process my payments and said he was mailing them back to me. branch manager refused to speak with me. even asked the head teller why he could not just mail them to citi bank since they were in the envelope provided with my monthly credit card statement and all he could say was it was illegal for him to process my payment in any way shape or form and he refused to transfer me to the manager.
Fair Collections & Outsourcing has been trying to collect a debt of {$2000.00} on behalf of XXXX XXXX. FCO Has given no real documentation that I owe this debt. I spoke with XXXX XXXX both corporate office and XXXX facility as it is known today and they had no information about the account. FCO has sent me a copy of a ledger no letter head of company claiming that I owe the alleged debt as proof of validation. When I challenged this, they proceeded to send me a copy of my lease from XXXX, which they could have obtained from any where. I sent them an email XXXX/XXXX/2016 requesting viable information proving that I owe this debt. I have asked fro the following in my email : CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting history leading up to alleged debt. 
Commission for debt collector if collection efforts are successful. 
They answered me today, by providing the same ledger that proves nothing and lease agreement that they could have obtained from anywhere.