WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018 i applied for a job at XXXX XXXX as an XXXX XXXX XXXX out of XXXX TX. On XX/XX/XXXX, i was given a verbal job offer from a hiring manager on condition of passing a XXXX screening and background check. I received an email from General Information Services asking that I provide my driver license number and social security number. A week later, I received an email from General Information Services requesting I sent a copy of my foreign passport from XXXX. I then received a form asking for my consent to run an international background check. The form asked for me to provide my XXXX National ID number. It is unclear what led GIS to believe i was in possession of a foreign passport and national ID number ( other than for discriminatory reasons ). I provided all requested documents and was told it would be investigated. I called several times to check on the status of my report, as international background checks are known to take some time. Each time I was told they had no information and were not required to provide me what they had. Eventually, on XX/XX/XXXX, I called the office of GIS and requested that I receive a copy of my report as it had taken more than 30 days and I was no longer interested in employment at XXXX because I was told I could not start if the background check was not finished. I was told a report would be sent to me and subsequently one was never sent, This is a violation of the FCRA and it is my fervent belief that I was discriminated against because of my religion and ethnic origin that I was forced to provide extra documents.
SunTrust violates Section XXXX of the Federal Trade Commission Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ) by engaging in unfair billing practices related to incoming wire transfers. SunTrust disclosures do not fully inform customers of the {$15.00} incoming wire transfer fee and marketing materials furnished to the consumer on account opening do not disclose the service fee. 

On XXXX XXXX, 2016, SunTrust charged my checking account a {$15.00} service fee for a domestic, incoming wire transfer ( Fedwire ). The size of this service fee is excessive, causes substantial injury to consumers, is not outweighed by the benefit to consumers, and the consumer can not reasonably avoid the injury. 

The consumer can not avoid injury because they are not made aware of the service fee ahead of time and SunTrust exercises complete discretion is setting the charge. Please see the bank 's email message to me ( attached ). SunTrust writes, " All service charges depend on banks [ sic ] discretion. '' Allowing SunTrust to impose charges based its " discretion '' is arbitrary and capricious and unfair to consumers - particularly when that discretion is not clearly communicated to consumers in marketing materials and annual disclosure statements. Additionally, such discretion increases the risk of disparate impact and illegal discrimination. 

Please investigate SunTrust for violations of Section XXXX of the FTC Act as it relates to " discretionary '' service fees charged to checking accounts.
Sometime between XX/XX/XXXX and XX/XX/2015, Citizens Bank switched our checking account from Circle Checking to Premier Checking without our knowledge or authorization. The new type of account has a monthly fee, so Citizens Bank assessed a $ XXXX monthly fee from our account. I called " XXXX '' at XXXX who assured me that he would rebate the money and switch us back. He rebated the {$25.00} but the next month, Citizens Bank assessed the {$25.00} fee and we were still in Premier Checking. I called XXXX again, and again he promised to remove the fee and switch us back. Even he called this practice " unacceptable. '' I want something in writing to confirm this and say it will NEVER happen again. I also want to file charges that the bank attempted to steal our money. This is not the first time Citizens Bank has stolen money from us. Citizens Bank took our $ XXXX insurance check from XXXX XXXX and deposited it into an escrow account and denied us access to it. Our mortgage agreement with XXXX did not allow this practice. We had to refinance our loan with XXXX XXXX in order to get that money back. During that process, Citizens Bank broke the PA State Law by denying us a written payoff amount, thus thwarting our attempt to refinance with another bank. We had to threaten our local branch with criminal charges in order to get the payoff amount. I want to know why Citizens Bank is allowed to flagrantly break the law, steal money from its customers, and change its policies arbitrarily. Please tell me that you will police this bank and enforce the law.
I filed a dispute for a state tax lien on my report, the credit bureau removed the item during dispute but then turned around and put the item back on my credit report and restarted my  XXXX  year clock. The tax lien is for the  XXXX   XXXX  court in the amount of {$2000.00}. This lien has been paid and released. The dispute was filed to dispute the amount as being incorrect. My husbands tax lien public record was removed but mine was removed and then add it back. I contacted  Trans Union  to have the item investigated and all they did was redisputed it for being " too old to be on my report ''. I contacted my local  XXXX   XXXX  clerk office and they informed me that they do not report as to the credit bureau 's but that the credit bureau 's hunt this information and then add it to the consumers report. My goal is to have all of the bureau 's correctly report, or remove my public record for this tax lien.
My telephone ID states " Bloomingdales. '' When I pick up the telephone it is Macys. Macys is trying to collect a fabricated debt. Alternatively, I will get a " Private Caller '' on my telephone ID and it is Macys. 
I am on the National Do Not Call Registry. My understanding is Macys is not allowed to harass me with repeated telephone calls.
I recently submitted a report for identity theft due to recent discovery my identity has used to open up account for medical and utilites. The following items should be removed and deleted from my credit report Account Numbers 1.XXXX XXXX XXXX # XXXX, # XXXX, # XXXX, # XXXX 2. XXXX XXXX XXXX  # XXXX 3.XXXX XXXX XXXX XXXX # XXXX 4.XXXX XXXX # XXXX I was living in XXXX OHIO at the time these account were open. I do not recognize these companies and I have never lived in XXXX Tennessee.
XXXX XXXX XXXX  and XXXX XXXX are in violation of my consumer right, i do recognize the company and i have never done business with them before. please verify the accuracy and i need the account permanently blocked from my report and any future report from the company.
I contacted Enhanced Recovery Corp on XX/XX/2016 and paid my debt in full. Over 60 days has passed and they have not reported to XXXX that the account has been resolved.
I called social security helpdesk because I was blocked from creating an online account to check my social security file. The reason I WAS TOLD WAS BECAUSE Equifax put a block on my credit file without my permission. I have contacted equifax and ask them to remove the block. I am filing this complaint because it is critical that I get my credit file released immediately. I am planning to apply for credit this week and it is critical for me to get the block removed.
The dispute case number attached to this complaint is for Equifax, confirmation # XXXX. I have disputed these unauthorized inquiries with both Equifax and the creditors and each entity has not done anything about removing these unauthorized inquiries. I simply want these unauthorized inquiries removed from my Equifax report.
This company is trying to collect a debt that is well past the statute of limitations. They are also trying to get my financial information from my finance company.
Our mortgage was bought by Fay Servicing. We were told that the process would be easy and we would have an account manager that would handle our file. That was XX/XX/2016. We started out behind in payments since I never received the welcome packet to tell me who to call or where to send payments. Fay Servicing does n't offer weekly payments, so that put us in a bind. I asked for a loan modification and was told I would get a call from a loan specialist and never did. We started falling behind and I emailed and left messages for our account manager no return call or email. Finally I found the Loss Mitigation Package paperwork, filled it out and sent in all documents. I have since been contacted via letter wanting more info, and once by email by our account manager for a more recent check stuff and bank statements. Now they are sending people out to make sure we still live here like we are going to just run off, we want to keep our house they are the ones that are none responsive. We need help, Fay Servicing does n't contact their customers and the account managers must have too many files to deal with, because ours takes weeks if not months to contact us back if she does at all.
Wells Fargo put me on the hotlist because the person who stole my identity opened an account with my identification information and a different social security number to compromise and imbezzle funds from our company. When I found out I was applying for a business account. I filed an identity theft complaint and someone was supposed to get back to me yet I have still have not received a phone call
I was tricked into an all interest loan without given all the information of want the loan actually was until I started noticing that my principal did not move. The loan started out at XXXX and after 12 years it 's down to XXXX after I have put XXXX of my money straight to principle. 
the company is citi -finance. I have been told that i am under a predator loan. But no one has told me want to do about it. I refinanced the loan with them and they pushed the loan back to a thirty year loan.
the past year we have been working on improving our credit rating. received an email from Transunion offering ways to help better our score. I hit the enter key and read the top XXXX companies who could help, i.e. XXXX XXXX, some debt relief co 's, etc. I went into XXXX XXXX entered name and some info, then changed mind. deleted all info. Then received an email from this co that my loan was denied. HOW did they get into my report? They told me they buy names from Transunion of people wo have credit problems, I told them I wanted them to take off their inquiry on my credit report and I was going to notify FCC, XXXX, which have been completed. see attached
I was reviewing the outcome from XXXX about a complaint issue with XXXX XXXX # XXXX****, XXXX*** There are several errors on my report. I am requesting a PROOF OF CLAIM or SIGNATURE. Be advised that their claims are disputed as well as the method of validation for this previously disputed account from which nothing was provided to me in writing. XXXX has already deleted these issues see attachments proof of claim of the disputed debt is requested in accordance with the HIPPA Act laws. I have absolutely no documentation or nothing in writing any type of proof that I can verify any claims against my legal person. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed. XXXX XXXX days of receipt of this letter. This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to please produce a CONTRACT!
I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant.
XXXX was the last time I was contacted by Illinois Collection Services to the best of my recollection. I was contacted over an {$84.00} bill that my insurance company informed me they had paid. I explained to them that this was paid by my insurance company and I have not received any further communication from them regarding this issue. Apparently XX/XX/XXXX they then sent me to collections over a matter that I had reasonably assumed was resolved since I had not received any further communication from them. I learned of this being sent to collections from a XX/XX/XXXX credit report request. At no time did Illinois Collection Services contact me to let me know this was an ongoing issue. When I asked to see the documentation of this supposed debt that their representative quoted several times while speaking to me on the phone, she would not provide it or tell me how to obtain it and transferred my call to a voicemail. If, in fact, my insurance company did not pay the {$84.00} like they informed me they did, then I would have pursued this further had there been any communication from Illinois Collection Services that the matter was still open. I have not received anything from them in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, or yet in XX/XX/XXXX. I would like this matter removed from my credit report because I believe it was improperly put on my credit report, and reasonable communication from them would have resolved this minor issue of {$84.00} before the situation escalated to this level.
Got a call on XX/XX/XXXX from a third party asking me to contact XXXX XXXX out of CA and ro provide a case #. I am told by XXXX XXXX that I have an lawsuit that is in prelit in regards to an a debt with XXXX XXXX from XXXX. That they have been sending me letters about this.I was told I could settle the claim at that time and if i did not pay that then they would take me to court and I will owe more then {$5000.00} including attorney 's fees and expenses. I have never received any letters from XXXX XXXX or XXXX XXXX about any money owed. I asked the company to provide me with statements or an account number to prove that I owed this money. The rep told me that they did not have to. That and document 's that they had would be provided to me in court. If i did not pay something like {$1200.00} at that time, they could sue me. I would not be able to negotiate and could garnish my income and or tax return. I kept asking for proof. She then asked me for my email address and that she would send me a letter about it. I gave it to her only wanting further information, thinking this was just a scam. Never did i agree to any of the claims. I called XXXX XXXX Recovery Dept and they do not have any accounts in my name. Current or past. The rep at XXXX XXXX told me to insist on the company provide me with proof of this debt. Even an account number and give it to XXXX XXXX to research. I do not owe this money. Nothing has ever showed on my credit report of any money owed to XXXX XXXX  or any other company. I have made major purchases and this would have showed up.
We have returned all equipment to XXXX XXXX. During the time we subscribed to their services between XXXX lightning had ran into our unit which they promptly replaced. The unit which was replaced was taken by the technician that fixed the problem. We have paid in full and returned all equipment. We have talked to them 3 times in the past 90 days to resolve the issue. The last lady we talked to said she did not see where anyone had put in a search for the item.
Mt father has a mortgage with  PNC bank/mo rtgage company. I was attempting to be place on the loan with him. The initial person my father and I spoke with was  XXXX   XXXX . He stated that we could do this on a Harp refinance. He stated that there would be no money involved in this process and it would be a relatively short process. He told us that there would be no appraisal and no closing costs. this started in   XX/XX/XXXX  of this year ( 2017 ). A s the loan was being processes we had contact with him on several occasions and also with the processor  XXXX   XXXX . After about a month we were asked to submit a title surrender form to our city hall of records. It was determined that no title existed for our double-wid e in our county an d that the bank had no original copy of the title or apparently any of the initial paperwork in the initial purchase of a new double wide. About this time they sent me out an updated  Loan estimate which stated there would now be a closing cost for the load. They also called  and notified us their would be an appraisal of the house. I spoke with the person we initially spoke with to begin the process  XXXX   XXXX  who informed me he was wrong and that the underwriter needed an appraisal. He also informed me it would be my responsibility to pay for  a Title bond and  that he was also wrong about no closing costs. I also spoke with the processor again to get some clarification of why the initial person could say we had no closing and appraisal and to find out why the bank did not take care of this title issue. I could get no answer on any of these issues at that time. I asked to speak to a supervisor and was put in contact with a  XXXX   XXXX . We spoke of these issues and by this point the appraisal had been completed. She could not explain to me why it was necessary or why there was a closing cost. After sever conversations over a wee k or 2 with  her there was no resolution about the title. They are dealing with a title company outside of their own bank. After receiving no resolution on this i asked again to speak to a higher supervisor. I was told i would be receiving a call from who ever the next person was in the chain of command was. it has not happened as of yet. However i have received yet another another loan estimation update that has more than doubled the closing costs. We have no idea what will happen when we pay off this mortgage with the title situation. We have paid for 15 years on this home with no clue there was no title. I am the person who has been paying for 15 years on this home and because I am not on the title i can not claim my rights as a totally  XXXX  vet for tax purposes nor have i or my father been able to claim the interest paid at the end of the year on taxes.
The debt was not mine/paid, but thought paying it would be easier then going the not mine route. 

I was seen in the ER at XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, GA XXXX due to being involved on car accident that I was not a fault for on XXXX/XXXX/XXXX. The hospital was given the driver that was at fault information. 

On XXXX/XXXX/XXXX I noticed I had a collection from Central Financial Control for the amount of {$550.00}. I sent a dispute through XXXX that day that I had no knowledge of this debt. On XXXX/XXXX/XXXX I received my first notice and a letter to settle this debt for {$270.00}. I wanted to get this taken care of right away the same day I made a payment of {$270.00} with the understanding the debt would be settled and deleted from my report. I was told I would be mailed a receipt. 

To this day I have not been mailed a receipt and the balance is still showing on my report as closed. I used my XXXX card to pay for the balance and they are also requesting documentation on the balance paid. This needs to be removed as I was not notified in a timely manner and I made payment as soon as I was aware of this balance. I was also told it would be removed if the balance was paid.
I went to BB & t Bank on XXXX XXXX XXXX. in XXXX XXXX in the year of XXXX, XXXX.I was denied a loan both times. 1 st reason was because of me filing chapter XXXX in XXXX XXXX. 2nd reason was because of my debt ratio. I explained and told Mr. XXXX XXXX that I have 2 cars 2 houses in my name. One car, one house belongs to my daughter which she makes the payments. I had to show this information before I was granted the mortage with BB & t, 5 years ago. I need the money to have trees trimed and cut which my insurance co. does not approve of giving any money, to help me. My next door neighbor is bugging me about getting it cut. My email address is XXXX my contact number is XXXX. I feel that I'm not being treated fairly. I feel that Mr. XXXX made his own decision about my loan. I never received a letter from the underwriter, confirming the reason why I can not get a loan. I will wait for a responds from you all.
whom it may concern, I mailed several letters of dispute last one being certified on XXXX XXXX XXXX in regards how XXXX XXXX is reported on my credit report. Once again within a few days it comes back as verified. XXXX is reportinb me to be anywhere from 30 to 90 says late and being over XXXX behind. They only purchased my mortgage in XXXX from another servicer. In XXXX I obtained a government modification which at that time my acct was at a XXXX past due and my new payment became XXXX a month. It does not add up. I am given the run around when it comes to verification. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response a week after the receipt of my certified letter, one can assume that there was no investigation into the matter. I was told they have reinvestigated the account but it seems that all they have done is parroted information given to them by other sources and shifted the burden back to me to to contact the creditor to verify the account which is clearly a violation of 1681 ( a ) ( 4 ). Under section 611 ( 5 ) ( A ) of the FCRA it states the CBA is required to promptly DELETE all information which can not be verified.
Ive faxed and mailed several letters to XXXX, Transunion and XXXX   stating that accounts was opened in my name when I was still a minor which I never authorized. I provided proof of date of birth along with my social security number. My year of my date of birth is incorrect along with some addresses that I never lived. These are some of the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXk XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX is my cousin which Ive tried many times to remove. 
The addresses that I dont recongnize is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I am attaching a credit report from XXXX XXXX XXXX my lender is using for a mortgage loan I am in escrow for. Capital One / XXXX XXXX XXXX is showing 90 day late delinquencies in late XX/XX/XXXX and early XX/XX/XXXX that are unequivocally false and incorrect. I was not late at all during those times, in fact, the account has been charge-off since XX/XX/XXXX. Their ca n't possibly be lates after an account has been charged-off. 

I am in a dire situation as my mortgage process is completely on hold until I clarify the error, and prove to my lender that the 90-day lates reporting are absolutely incorrect and did not occur on the dates reporting.
After my attorney sent them a letter of representation, they continued to send at least XXXX collection letters to me, in violation of state law. They also failed to respond to a letter from our state 's Department of Consumer Affairs, which was an attempt to resolve these violations.
My account was closed in error by Citi bank with a deceased code. While the account was closed, and as I awaited Citi bank to correct the error, automatic payments were no longer made on my account, and it was not possible to make payment otherwise. After the deceased code was finally removed from my account, it resulted in a charge off. I am requesting that Citi bank remove this charge off listed on my credit report immediately, because it has negatively impacted my credit score through no fault of my own and only due to the fault of Citi bank.

I have attached supporting documents and letters I have sent to Citi for reference and further details.