WillisBack/dataset-financial-user-claim huggingface dataset:
I was " invited '' to apply for a personal loan at Discover Personal Loans. I have been a discover credit card member for about XXXX years and always pay off my balance each month. I also have a rather excellent credit rating. So I applied online and was told to call their office to complete the process over the phone. They said they were busy that day and a " senior loan rep '' would call me back. They did not so I called them back. I spoke to someone who reviewed my application and then called me back on a secure phone line to ask me some personal questions about my existing credit accounts. I told them and she said that a " senior loan rep '' would call me back in XXXX days to ask me some more questions. Well about XXXX days went by, including the weekend, and I received a letter with a very vague reason for them being unable to approve my request. the reason is " UNABLE TO VERIFY CREDIT REFERENCES ''. So I called to find out exactly what this meant and why I never received a phone call from the " senior loan rep ''. After going up the chain of command, I was told that verification was what they did when they called me on the secure phone line. However she was not satisfied with my responses regarding when I opened a store credit card that I have not had open in approximately XXXX years. I guess because I could n't remember the exact year I opened it. So apparently instead of calling me back like I was told I would be or even to further verify my information, they just stopped the application process and are denying me a loan. I understand if the denied me because my income or credit rating was not sufficient but that is not the case, in fact I more then qualified. I was just because they stopped the application process before even being considered. Also the supervisor I spoke to said I should not have been told that a " senior loan rep '' would be calling me. Apparently that is not what I should have been told. So I feel like not only was I giving the wrong information by the initial phone rep, but also that she stopped my loan process for no valid reason. So I can not reapply to Discover Personal Loans for another XXXX days, because " they 're system wont allow '' as I was told. The other problem is since I attempted to apply with them, my credit rating suffered a drop. So now when I go to my bank or another lender to apply for a loan this week, I will be applying with a lower FICO score then normal, which will make the process and interest cost much different then if I never had dealt with Discover Personal Loans.
As a long time customer with Discover since XX/XX/XXXX, my account was closed on XX/XX/XXXX. I was told the reason was due to multiple lost/stolen credit cards, but I haven't requested one in a long time. This just seems like a made up excuse to refuse payment on the rewards I have accumulated.
This is a combination of fraud/scam and unauthorized transactions. US Bank is selling XXXX Prepaid Gift Cards which are n't activated properly upon purchase though the activation slips after purchase indicate they are activated and nothing is wrong. US Bank then forces you to fax in all the card information to their " activation center ''. You do not receive any calls from the activation center, but then the card will be furtively activated without your knowledge and the funds drained. Either US Bank is complicit in supporting this fraud, or they are completely negligent for allowing this to happen. I have attached for reference the images and fax that I was forced to fax to them to have my card activated.
credit discrimination i recently disputed XXXX debts that should have been taken off of my account, they credit bureau ( trans union ) is failing to remove the bad debts. There was XXXX creditor removed but I only received XXXX points added to an already XXXX. My credit score should not be this low because all of my debts have fallen off or have been removed. transunion is discriminating against those who either complain about their credit reports or XXXX. My credit score with equifax went up XXXX points with XXXX debtor removed. 
not sure if transunion knows the XXXX background of those they follow but this should be looked into.
In XX/XX/2015 I started disputing this issues with XXXX and Equifaxfraud on my credit report. Equifax has not want to do anything aboutthis and in timely fashion. Finally I a letter from XXXX to me andstating sent letter also to Equifax to remove off my credit due to fraud. 
They said they had until XXXX/XXXX/2015 to remove it and as of today XX/XX/2015it is not removed from my credit.
Hello, My wife and I purchase a home in XXXX, we both worked and had incoming coming in. In XXXX my wife was injured by a medical professional and had to receive multiple XXXX to correct her medical issues. She can no work and is apply for XXXX at this current date. We were never late on our home mortgage till the medical issues started. Mr. Copper/Nation star would not work with us on the mortgage starting to be late for 3 years. Even with medical proof my wife could no longer work. After a long exhausting 3 years we sold the home and started renting and downsizing and payed off our debt. I tried to reason with Mr. Copper to have the late payments removed from our credit report but they would not help. My wife and I still can not apply for a home loan because of reported late payments. We closed on XX/XX/XXXX. They still counted XXXX as late payment even when we closed in XXXX and payed off the balance of the loan. Is there anything I can do? Or you can do to help me? 
Thank you XXXX XXXX XXXX XXXX
On my report from XXXX there is a listing from U.S. Bank my bankruptcy filed on XXXX/XXXX/2012 included this account. Fair Credit Reporting Act makes clear that a debt discharged in bankruptcy must be listed as having a 0 balance. FTC OSC section 607, item 6 states : " A consumer report may include an account that was discharged in bankruptcy, as long as it reports a zero balance due to reflect the fact that the consumer is no longer liable for the discharged debt and there should be no additional reporting after the bankruptcy filing date.
I found out on the CFPB website there was a lawsuit against or CFPB ordered Citi-mortgage and citibank to pay XXXX XXXX dollars to home owners that pursued modification from citi-mortgage which I did for 2 years and continued to be denied. Therefore I lost my home to forclosure from Citimortgage of XX/XX/2017 and we were forced to seek rental property that was hard to find. I called citimortgage to find out about the order and they were aware of the XXXX XXXX dollar order but they wouldnot give me the information so I can claim my potion of the lawsuit. 

My wife and I lost our home which we lived in for 10 years because no matter what documents we sent to Citi-mortgage they wouldnot give us a loan modification. 

So please help us find the correct Citi-mortgage department so we can claim out portion of the XXXX XXXX dollar lawsuit
I have debts reporting from Medical Data systems reporting on my credit reports that are inaccurate, and I need them removed. A debt for {$4200.00} acct # XXXX {$160.00} acct # XXXX {$220.00} acct # XXXX and {$600.00} acct # XXXX. 
Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt, but I am unaware of the amount due and your bill does not include a breakdown of any fees. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 
Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 



Sincerely, XXXX XXXX
I am trying to use XXXX XXXX with the card that 's been on file yet for some reason its not connecting or verifying my card when its valid and the app is n't properly logging my hours to match my pay.
This was dismissed in a bankruptcy XXXX XXXX Last reported : XX/XX/2018 {$1000.00} Good
Equifax was recently hacked and I 've been told that I may be a potential victim of the data breach. Equifax did not proactively inform myself or other victims about the breach. I was able to use a tool to find out if I was affected after reading a news report that directed me to the tool.
In XXXX I had a medical bill from XXXX XXXX XXXX. I did not have the money to pay the debt at the time. I sent a cease of communications after talking to Cypress Collections. I spoke to XXXX then, who was very rude and would not work with me. On XXXX/XXXX/XXXX, I reached out to Cypress Collections and asked to speak to a Supervisor. I then waited briefly and spoke to XXXX who claimed she was a Supervisor. XXXX then stated she was a supervisor/ manager/co-owner who did not want to work with me and then kept interrupting me as I spoke and kept telling me ; '' no and it 's not going to happen. '' XXXX then disconnected the phone call without an cause or informing myself. I did pay {$50.00} to XXXX XXXX XXXX on XXXX/XXXX/XXXX and stated the following ; " to make a payment on the account as I know it 's past due. ''
I contacted this company to pay for any debts they held in my name several months back.
I reviewed each item and paid all of them -- except for a court fee that I told them I would not pay because the   XXXX   XXXX   XXXX   XXXX   had wrongly ticketed me over four years ago. Their officer routinely picked up my dog from my house, would hold him ransom For hours ( I would know he had him within minutes ), and then charge me large fees to get my dog back.
I spoke to someone and cleared all debt, also found out there were several amounts around {$5.00}, and under {$100.00}. I asked why I did n't know about those, and the debt collector told me it was because it was such a small amount that they would never try to collect it.
I paid everything except the city fees.
Today, a woman appeared on my porch, she was very aggressive and began yelling at me when I asked her who she was. She said she was an officer of the court and I had to tell her who I was. I asked her her business and stated that she was on my property and I was not going to answer her. She said, " then you 're so and so '' and shoved a court summons through my screen door. I asked her several times why she was b omg so aggressive and she repeated that she was n't, she was an officer of the court and that I needed to answer her.
I got a notice about some unusual activity on an account that I set up for my younger brother to pay his expenses while in college, basically transferring all the money electronically to a different account through a program called XXXX. After confirming that it was n't initiated by my brother ( it was not ), I called and immediately asked for a hold to be placed. For this, I was charged {$30.00} which pushed the account into overdraft, but I was not worried, because I was assured the money would be returned in short order. Fast forward to 4 days, the transaction clears, to my incredulity, for which I was charged an additional overdraft fee. Furthermore, a number of transactions for very minimal accounts were in processing PRIOR to this transaction being posted and I was charged an overdraft fee for all of them. Finally, the bank decides to decline a transaction from paypal for {$9.00} and {$5.00}, respectively. I was charged a {$35.00} NSF fee for each transaction. As if this were not insulting enough, XXXX and the bank then proceeded to recharge, and return those transactions a stunning XXXX times, charging a {$35.00} fee on each occurrence. What should have been {$200.00} that remained in the account, taken out due to unusual activity that I immediately notified the bank to not process, instead resulted in a cascade effect in which not only is the {$200.00} gone, the account currently sits at a negative balance of {$610.00}, of which {$490.00} is solely due to XXXX and the bank attempting to collect the same {$9.00} and {$5.00} multiple times a day for multiple days, and then returning the payment and charging me, despite no permissions granted to do as much. Completely egregious and none of this should have ever happened
The credit bureau 's are reporting a Chapt XXXX dismissed bankruptcy and I have been informed by the courts that they DO NOT verify a bankruptcy. This means that they pulled that information from a third-party reporting agency, therefore, it must be deleted.
I used to live at XXXX XXXX, XXXX XXXX, Tx XXXX and i XXXX on XX/XX/XXXX.I had to vacate my apartment and break my lease because i have to go for XXXX and XXXX. My XXXX started XX/XX/XXXX and ended XX/XX/XXXX.I then proceeded to the XXXX. I got out of XXXX XX/XX/XXXX.I relocated to XXXX, Texas XX/XX/XXXX.I got an apartment in XXXX, Texas and during background check, they discovered i was owing XXXX $ XXXX.I called the manager at XXXX XXXX and she told me that, I incurred a debt of {$110.00} because they spent it to clean my apartment unit after i moved out.I asked her about my security deposit and she told me that, i have forfeited that because i moved out without completing my lease agreement.I explained to her that i broke the lease because i had to go for my basic training and i submitted all necessary papers.The apartment manager said she is aware of that but it was their policies to hold on to the security deposit.She then told me that my debt has been given to an external creditor.I called the external creditor instantly and paid the debt.The external creditor ; XXXX XXXX XXXX XXXX ( Phone Number XXXX XXXX XXXX ) closed my account after payment but the left it on my record.My problem is that this debt appears on my credit report anytime my rental history is pulled up and prevent me from getting an apartment unit.I was on a XXXX and i should not incur this debt in the first place.I will be grateful if this particular record is removed from my credit report.I dispute the validity of the debt and actions taken by the Management of the XXXX and XXXX.Please find attached document showing details of my schedule and program for my XXXX.
I contacted Professional Credit Services to assist me with settling a long standing debt with XXXX XXXX XXXX. I explained very clearly that I am the XXXX of a XXXX parent and that I was her sole breadwinner. I was told by one representative ( XXXX ) that I would be able to settle this debt and get it removed from my credit report. XXXX transferred me to a man named XXXX who not only told me that he refused to settle, but was very abusive and wanted me to send my mother 's medical records to him to prove to him that she was XXXX. I told him that I would n't do that and that because of how he was treating me considering that I initiated the call myself to try and get this debt settled, I disconnected the call.
I am currently in foreclosure mediation. Please take the time to read my attached PDF file. THANK YOU!
Due to Equifaxs credit information breech and notification that I have been effected, I placed a freeze on my credit reports. Equifax charged me XXXX to do this, my husbands was free as well as several friends. They seem to sporadically charge people. They should not make money off the damage they have caused us.
XXXX contacted my parents at XXXX one morning, if that was n't enough. This past Sunday my family tried to contact me on my cellular phone, XXXX though, but instead they reached XXXX. I called them directly and spoke with the XXXX, but he wanted to play XXXX about forwarding my phone directly to his company 's phone. I then contacted XXXX my phone carrier, but they acted oblivious to my inquiries on how this were to occur. I was very upset because I just renewed my contract on XX/XX/2017
My daughter opened a fraudulent credit card account in my wife 's name and attached it to our bank account. It was open from  XXXX   XXXX  until  XXXX   XXXX . Chase bank is doing very little to help us. We have filed a police report.
When I pay over the minimum payment as told to by others, they seem to just keep that money like several others! This has been happening for years, and they charge me interest + interest! Macy 's and others* promises all these discounts but do n't even offer discounts for the perfumes and makeup I buy from them! Their products are cheaply made like from someone in XXXX or somewhere, that hates U.S. Then they turn around and sell it at an overpriced price and on top of that do all kinds of extra charges in interest and bill payments. I 'm not in accounting but when I overpay it drops my payments, and is supposed to pay off more cheap products than interest! I saw better things offered in XXXX than these places offer in America, online. I 'm so mad I finally had to say it again. Macy 's was very nice to me, but their accounting probably needs an IRS Audit. And again, for their products! Who made this junk and why are they selling it so high? At my yard sales no one wants it, they just judge me. And I ca n't return the unopened products because I bought them awhile ago.
on XXXX 2015, i reported my credit card lost, but capitalone credit card stated that they will issue the credit card, which will take 7 to 10 days, but i have not receive my card and I told capital one XXXX, but i have still not received my credit card, i verify my address too. I know that capital one has some not pleasing customer service issues, which i decided to file a compliant. The company is holding my credit card, I also had my card stolen and there was some unauthorized charges on my card. Which I had to call and tell capital one about the charges, but the company only gave me partial amount of the unauthorized charges, which for the third time, there is still another XXXX that the company owe me. They tell me not to worry, but the company has a XXXX fraud liabilty, so since they wont cooperate, i decided to file a compliant.
On XX/XX/XXXX I had an appraisal done on my home as I want to get out of paying my monthly PMI on my mortgage. I know recent comps in my neighborhood have sold well above $ 400K so I feel it was a good time to have this appraisal done because I feel I have the required 20 % equity to remove monthly PMI. I found out on XX/XX/XXXX that my home ( which has more sq. footage, just as many bedrooms & bathrooms, and sits on more land ) came back $ XXXX less than a house that just sold a couple months ago that is in the same Cul de Sac.

I feel the bank ( XXXX XXXX ), insurance company and appraisal company ( XXXX XXXX XXXX XXXX ) are working together to devalue my house to ensure that I have to continue to pay monthly PMI.
This comaplaint is for XXXX for the XXXX XXXX XXXX credit card. My credit card was used without my consent on XXXX XXXX, 2017. There were two charges made. One charge was was at XXXX XXXX XXXX for {$47.00} and another at XXXX for {$440.00} in XXXX. I do not live or have visited XXXX. I did n't notice these charges on my account until XXXX XXXX. I immediately reported the fradulent charges on my account and asked to be sent a new card. My balance on the account before the fradulent charges was {$490.00}. My main problem right now is that XXXX closed my account with the balance of {$990.00} and reported it to the credit agencies. My credit report currenly shows that I have a closed account with this high balance. It is affecting my credit score in a very negative way. I understand that XXXX needs 10 to 14 days to complete an investigation, but there is no reason why my credit score needs to hurt in the process. I have never been late on any of my payments. I have been a good customer. This protocol they have taken is not right. Why should my credit score hurt while they do their investigation. They should have never closed the account with such a high balance, specially when part of the balance was not even authorized by me. In the past, when I had a fradulent charge on another account it was not handled this way. The account was n't closed and reported to the credit agencies with the fradulent charges. They simply just send me a new card, and an affidavit to sign, where I stated that the charge was not authorized by me. As of now there is one XXXX XXXX account showing a balance of {$940.00} and another one of {$47.00}.
I was released from a lease which had three lessee 's and tried to settle but the lease holder XXXX XXXX XXXX XXXX in  XXXX Florida would not accept my portion of the lease, due to another lessee being delinquent. They refuse my check several times, and then agreed to write me off the lease. They later sent turned over the collection to Hunter Warfiield XXXX XXXX XXXX XXXX XXXX FL, XXXX. My account number is XXXX they have a claim for XXXX. I again contacted them to settle, they refused to settle. I would like to settle, but they released me from the lease only to notify I owned XXXX. I do not owe this amount. I supplied documents they signed releasing me form the lease after they refused to accept my payments.
I want to hereby denounce Eastern Account System Inc. for continuing to violate the FDCPA and Experian for continuing to violate the FCRA. 

Eastern Account System Inc. 

On XXXX XXXX, 2015 I wrote to Eastern Account System to dispute the account being reported by them on my XXXX credit report, and I requested DEBT VALIDATION under FDCPA Section 809 - Validation of debts [ 15 USC 1692g ]. ( Letter enclosed ) Eastern Account System responded by sending a copy of a computer statement printout. ( Answer and computer printout enclosed ) A computer statement is not a Validation of Debt, and once again I demanded that the collection agency obtain verification of the debt. 

Eastern Account System responded with the exact same computer statement printout. ( Answer and computer printout enclosed ).