WillisBack/dataset-financial-user-claim huggingface dataset:
Opened savings account on XX/XX/XXXX with XXXX XXXX and was not given any indication that access to my money would be limited to no access at all within 60 days of account opening. Set up a transfer to transfer money on XX/XX/XXXX from my Popular account to my external bank ( same account that funded account at Popular ). Transfer failed. Called XXXX XXXX and they said they limit access to all accounts during first 60 days and only way to access would be to send them a bank statement to prove account ownership. Otherwise there is no way to access my money. Spoke to a supervisor XXXX who said that's how they do things. Transfer to external account from my Popular account on Popular 's online banking is also locked. How can a financial institution lock access to account holders for 60 days unilaterally and across the board as a policy? Absolutely ridiculous ...
I received an unsolicited letter from a local One Main Financial office. Their requirements are not clear/not conspicuous and the letter itself was very misleading. In addition, the letter flat out lied about me having excellent credit when my credit is just fair to average at best. Further, the misleading mail solicitation implied my credit had been reviewed/screened and also implied that to get a personal loan, that all I had to do was bring in the " Pre-selected Certificate. '' I am certain XXXX if not XXXX of other people are being misled by this company 's solicitations and " marketing. " When calling the company prior to applying, they are evasive and refuse to directly answer the question of if there is any credit score they will not accept. They instead repeatedly tell you to apply online or in their office. 

I am very upset that I was misled by this letter, took my time to go to their office where I received poor customer service, they acted as if they were happy to be alone and a bit irritated that a customer had walked in and then declined receiving a hit to my credit score which had just recently been boosted a bit by diligent efforts to improve it. Because I met the basic requirements of income above {$20000.00}, proof of ID and no BK filings and because I had the " Pre-Selected Certificate '' I thought I would be approved. That is truly how easy their misleading solicitation makes it appear. 

As far as their lackluster customer service, the person who " helped '' me then proceeded to collect personal information about me seemingly in an attempt to get me out the door faster, there were no pleasantries or even a pleasant attitude. It truly made me feel as if perhaps she determined that I was not eligible and was just quickly going through the motions even before she had all my information. 

The letter is extremely misleading, even when I called the branch manager listed on the letter she said that they do not view or pull your credit despite having a letter in my hands that referred to my " excellent credit. '' I told both the branch manager and the person who personally took my application that I am very upset that I was misled and that their company is casting a wide net, ensnaring many who they refuse to help and actually harming credit-wise in their misleading attempts to get more business. 

Neither of the XXXX, including the branch manager offer any resolution. The branch manager only said she can take my complaint, that is not resolution and makes me believe this is how this company gets it 's customers ... by misleading a significant number to get a smaller number they truly want. This company needs to have swift action taken against them for misleading people through their unsolicited solicitations and marketing.
On XX/XX/XXXX, I initiated a transfer from some money I had in " My Vault '' in Coinbase into my  Coinbase wallet. There is a 48 hour waiting period for such a transfer but I had noticed the transaction remained pending 4 days later. Therefore I emailed them on the XX/XX/XXXX wondering why this resolution has not been fixed. 

I got a response from a bot from the inquiry that was not satisfactory. I then emailed them on the XX/XX/XXXX and again on the XX/XX/XXXX. To no avail, I have not received a response still. I canceled this transfer and initiated the same transfer on the XX/XX/XXXX. It is currently XX/XX/XXXX and again more than 48 hours have gone by.
Applied for a checking account with Capital One with promotional code " XXXX '' and after meeting all the requirements Capital One has only awarded me {$200.00} of the {$400.00} that was stated in the terms.
I wired {$7000.00} to my coinbase account on XXXX/XXXX/XXXX. The money was supposed to arrive the same day. I contacted customer support several times and received no response. It has now been a week, my money has never shown up, and I have still not received a response from their customer support.
A debt under Paramount Recovery Systems is showing in my credit report. I 've tried calling to find out what the debt is and they keep advising that the debt with them that I had has been paid and that no other debts for me are in their system. This continues to be on my credit report.
Transunion had a computer glitch twice that erased all hard inquiries off of my credit report. A few days later those same inquiries that were deleted were reinserted without notifying me of the deletion or reinsertion. According to the FCRA, requires the credit reporting agency to notify you no later than five days after the date of reinsertion, and no notification was provided to me of reinsertion. I have contacted Transunion on several occasions on good faith about deleting hard inquiries from my credit file they have illegally reinserted with no satisfaction. I 've been told to file a police report or contact creditor for a letter of inquiry deletion.These inquiries add a hardship for me and my rights are being violated by Transunion.
I am writing to report debt collection agencies that have been harassing myself and known associates and family members. I have received over the past few months. It has gotten to the point of my family members and friends being contacted repeatedly by debt collectors. They have been receiving threatening phone calls as well. Please let me know how I can prevent this harassment to desist. 
Repetitive voicemails to myself, my mother in law, cousin, and husband. Some two to three times in  a row. 
The most recent voicemail stated that they will contact my employer about your debt because it is now a location of interest I have received calls after XXXX XXXX CST on all days of the week, excluding Sundays. 
I receive calls constantly on my work number which is strictly prohibited by my employer. 
I have received voice messages stating that I will be served paperwork if I do not return phone calls. 
I have received phone calls without disclosure of the collector 's identity. They refer to themselves as the firm and a Law Firm They end the phone call with I will be seeing you soon which is threatening in nature. 
The phone numbers I have been receiving calls from are as follows : XXXX File # Referenced XXXX XXXX No voicemail left XXXX No voicemail left XXXX No voicemail left XXXX File # Referenced XXXX Cadence Farmer is the individual who left the voicemail. 



Thank you,
On  XXXX   XXXX ,    2017  I received another letter from  GC Service Limited Partnership af ter I had explicitly expressed to them and the original creditor that this debt was a result of identity theft. I have provided  XXXX  and GC Services with all the necessary documentation including a Police Report, FTC Identity Theft Affidavit, CFPB Complaints, FTC Complaints, Identity Verification Documen  ts i.e. State ID & Social. After receiving all the necessary docum
entation from me to block this fraudulent account from my credit profile per 605B o  f the FCRA they had removed it from my credit report.
<P/>
All though they had removed it from my credit report they continued to harass me via mail for what is now almost one year. They have recently bega  n to call my phone again twice a day every day for the last month trying to collect on a debt that is deemed fraudulent. This willful negligence is now causing damage to my person and there bombardment of calls is now effecting my quality of life. I will be seeking legal remedy granted to me by Fair Credit Reporting Act and The Fair Debt Collections Practices Act.
My mortgage company continues to increase the interest rate on my loan and I can not it afford as I am on a fixed income
I, XXXX, have made several attempts to reach out to Prestige Financial and find their collection practices to be appalling, to say the least. Their lack of response to my calls or emails is disturbing. I have made several attempts to reach out to them leaving 2-3 messages and I do not receive a call back. We, my wife and I, were going through serious financial hardships and unfortunately defaulted on our car loan to a point where it was repossessed by Prestige Financial. The car loan we obtained for a XXXX back in XX/XX/2012 was for $ XXXX with a high interest rate of 16 %. We had the vehicle for 4 years and paid a total of $ XXXX to Prestige Financial but apparently all the money we gave them went towards interests and late fees. Prestige Financial is still asking us for $ XXXX plus a 16 % interest rate. 

Initially when I contacted Prestige Financial they wanted me to pay {$150.00} towards interest and {$100.00} towards the principle each month. I attempted to explain to them that they were taking advantage of a consumer who could n't pay the car which was why the vehicle was repossessed. I offered them $ XXXX to pay off the file, which in my opinion is more than fair, but they declined my request. I have submitted all my financial information to Prestige Financial where it proves that I am in the red about {$500.00} a month. 

Prestige is now telling me that they will do no interest on the file if I have my employer do a voluntary wage assignment. I do n't understand why my employer has to get involved in my financial discourse with Prestige in order for them to rectify my account. I do not believe it is appropriate that I should have to disclose my financial obligations with my employer and/or co-workers and I have informed Prestige of how uncomfortable this situation makes me. The response I obtained was that, this solution, for my employer and I to sign a payment agreement, is the only option I have to rectify my account. I continued to stress to the representative, that I was more than willing to give her ( XXXX ) my checking account information so they can pull the money straight out of my account but she is declining and forcing me to go through my employer. 

Since I felt I was left with no other options, I disclosed the information to my employer and of course they have refused to get involved in my financial discourse. I am being told that the only way they can do this is through a wage garnishment. To top it off I am completely XXXX at work because now everybody knows my financial difficulties and one of the attorneys, at my job, heckles me over not being able to pay my bills. It is my belief that Prestige Financial has a culture or tendency not to call back consumers or answer their phone calls, in order to allow the debt to increase out of control with interests and fees, in order for them to obtain financial benefit. All I am asking for is to be treated fairly by Prestige Financial and not to be taken advantage of.
Went to Free Annual Credit Report to get my XXXX  report. Once I had the report, no issues there, I tried to use the link in the page to purchase my Credit score. The site would not accept any of my credit cards and after a 3rd attempt provided a pop-up window with a phone number to get the issue resolved. 

I called the provided number and ended up speaking to a CSR who would not listen to what I was actually telling him. He then told me he needed to collect more information and only after he had the information did he tell me he was building a profile with Experian! Now, He didn't ask if I wanted to do this, I thought he was going through a verification process. Why he would need to build a profile to provide the credit score material that I was asking for was beyond me. Finally, thirty minutes later, he asked me to try to do exactly what I had done to be directed to him in the first place. I tried and it still wouldn't work. As soon as I clicked the link it took me straight back to the phone number I had called to get in touch with them in the first place. Didn't even try to go to a place where I could re-enter my credit card information. So he tell me I have to call another number, XXXX and that is all he can do for me. I ask for a supervisor. 

After another 20 minutes I finally get to a supervisor and get the same runaround. He tells me that the only way to get my score is to buy the credit report and score combo for {$14.00}. I say, no, I already have the credit report I just need the score. Much more XXXX   about that product not being available. If it isn't your product then why would you collect my information? If it isn't your product why would the EXPERIAN site have the pop-up phone number for this supposed help line? No answer. I give up in frustration and decide to call the other number they gave me. Disconnected or not in service. So they won't help and they deliberately direct me to a number that is not in service.I even asked them to just sell me the product I was looking for and they wouldn't do it. Now I have nothing but a lot of wasted time. Completely useless and these are the people that are supposed to be trusted to collect and provide accurate information for 320 million American 's to keep our financial systems running strong?
XXXX XXXX charged off a XXXX XXXX XXXX account over 5 years ago, did a 1099c and have told me multiple times on the phone this account has been closed. 
I filed a XXXX complaint earlyier this year and then my account suddenly shows up again on my credit report saying I had a outstanding balance and my account is in a late status. This reduced my credit score by over 30 pts and caused me to not be able to refi on a property. Please help has I called them and was told I deserved it and was hung up on twice. I was also told twice that this should not be on my credit report and they would remove it. Experian told me that they can report however they want and I have no right to dispute.
Hi I am contacting you in reguards to my XXXX XXXX and experian credit reports  because they are showing fraudulent accounts and credit inquiries that do not belong to me and I would like them removed as I have been contacting these companies none stop trying to get this resolved but have had no success in getting these items removed so I am seeking your help. Let me first start by saying my name is XXXX XXXX XXXX XX/XX/XXXX and I reside at XXXX XXXX XXXX XXXX ny XXXX and I am a victim of identity theft and my police report is inclosed in this letter. I would like everything below to be deleted from my credit report because it is fraud and someone stole my identity I have already notified the IRS and local authorities. Here is the list of items that are fraudulent Accounts Here 's every account on your XXXX   report. Click on the account name for more details. 

See an error? 

You can submit a dispute without leaving XXXX XXXX. Look for Direct Dispute in the details of the account. 
CREDIT CARDS XXXX XXXX XXXX Reported : XX/XX/XXXX + {$370.00} Closed OTHER LOANS XXXX Reported : XX/XX/XXXX + {$220.00} Closed Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your XXXX   report. 

XXXX Inquiry : XX/XX/XXXX + National Credit Cards/Airlines ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX + National Credit Cards/Airlines ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX + Department & Variety Stores ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX NA Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX CO DUAL CARD Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX +  XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX +  National Credit Cards/Airlines ( XXXX ) XXXX Collections If you've fallen behind on payments, your account could be sent to a collections agency. This can have a big impact on your credit score. 

SECURITY CREDIT SERVICES Reported : XX/XX/XXXX + {$2700.00} Needs Attention XXXX XXXX Reported : XX/XX/XXXX + {$730.00} Needs Attention Please remove all these items from my report because they are fraudulent and do not belong to me.
XX/XX/XXXX To Whom It May Concern : In XX/XX/XXXX, I obtain an XXXX/XXXX mortgage loan with Countrywide, secured by XXXX. My loan was then sold to Bank of America. I lost my job in XX/XX/XXXX due to the economic recession and was forced to do cash for keys in XX/XX/XXXX, returning my home back to XXXX. Bank of America has sold my loan to a collection agency, XXXX XXXX XXXX to collect on the home equity portion of my loan, which was also secured by XXXX. They continue to call me weekly asking for payment.
Synchrony Bank/Care Credit is committing fraud by listing on my credit report that my account was purchased by a lender. The " lender '' they state they sold it to is XXXX, a.k.a. XXXX XXXX XXXX which is a collection agency who is also committing fraud by listing their account on my credit report as a " retail '' company. They are also trying to list the account to XXXX CA as a charge off and to the other as transferred/sold. They are intentionally reporting inconsistent and inaccurate information to the credit reporting agencies.
I got a notice from hp sears in regards to a payment for XXXX XXXX for an amount that i paid in full in their not once but twice! I paid it twice through XXXX XXXX XXXX because my insurance company refused to pay the debt at the time. Why am i getting a collection notice on something that is over two years old 1 and 2 for something that i paid not once but twice! This debt is not vaild and should not be reflecting on my credit report. In the state of AZ they have 180 days to report to collections its two years old and has also been paid! Therefore this should not be reflected on my credit report
I settled an account for XXXX XXXX with XXXX XXXX XXXX. I have attached a copy of that settlement. I disputed this with all three bureaus and they did not remove the balance on the account. This is a violation of my rights under the Fair Credit Reporting Act. 

XXXX account number XXXX
Honestly not sure I have this debt collector saying I owe XXXX dollars for a loan I never applied for or got not sure how to proceed
A debt collecter from Quantum Collections called me on Wednesday XXXX XXXX, 2015 at XXXX. The represtative did not fully verify that she was speaking to the right person before she disclosed information about the debt. She only verified me by first name then she identified herself, the company who they were representing and the amount of the debt. After she violated not only the FDCPA, but also HIPPA I told her what she did and asked to speak with A manager or the call center director she said XXXX would not be available until after XXXX. The representative said she would pass my information along and have someone call me. I immediately sent an email. I did not get a response back from the company until Tuesday XXXX XXXX at XXXX after I sent another email the director of operations called me and said that he could not pull the recording and he had not spoken to the representative and what typ of resolve would I like.
RE : Previous Complaint No. XXXX Equifax 's response to this complaint ( RE : my XXXX XXXX XXXX  account ) WAS A LIE. They said that they had removed the language concerning " customer disputes information. '' I received a copy of my report on XX/XX/XXXXdated XX/XX/XXXXAND THE LANGUAGE IS STILL THERE! 

EQUIFAX IS TOTALLY INCOMPETENT! LITTLE WONDER THAT OUR INFORMATION WAS HACKED!
BANK OF AMERICA COLLUDED WITH XXXX TO COMMIT ACCOUNTING FRAUD BY MANIPULATING MY ACCOUNT 'S FINANCIAL RECORDS. 

BOTH INSTITUTIONS REPORTED THESE FALSE CLAIMS TO ACCOUNT HOLDER. 

THESE FALSE ALLEGATIONS ULTIMATELY LEAD TO OVERDRAFT FEES THAT WERE EVENTUALLY RESCINDED BY THE BANK. NEVERTHELESS, THE BANK DID ENGAGE IN MANIPULATING ACCOUNT ACTIVITIES TO COVER UP BOTH XXXX 'S AND XXXX 'S INVOLVEMENT IN AN ATTEMPT TO PLACE ONUS ON COMPLAINANT!
My ChexSystems report shows that an inquiry initiated by consumer action occured on  XXXX / XXXX /  XXXX   by  XXXX   XXXX  on behalf of  XXXX   XXXX  Now. I made no such inquiry. No money was taken but my concern is the use of my social security number for others to obtain payday loans.
The first year of my mortgage I paid a different bank approx XXXX $ a month. Exactly 1 year into the loan I was sold to M & T, the first month went over fine at the XXXX, the next month I was bumped up to XXXX, I figured it was just taxes increased for the year and I wasn't happy but bought their story. The next year, my escrow apparently had a shortage, I looked into it and found it was an error of the county and quickly rectified it, I even received a tax refund for it. I contacted M & T to correct this and they informed me that they will only provide an escrow analysis once a year in XX/XX/XXXX after the county provides them with the new bill in XX/XX/XXXX.

I contacted the county assessor and they bill in XX/XX/XXXX, you know the government end of fiscal year, and also we're willing to provide me certified statements of my correct tax bill. I was excited with this news and called M & T back to have it fixed ... They gave me the same story, that they only review escrow in XX/XX/XXXX ... Now I asked to remove the escrow since obviously I seem more capable of handling my own taxes, I submitted the form hand signed and to the exact fax number and person they instructed me to, I even placed contact information in the case there was a problem, no on called so I figured it would be solved by the end of the month ... Nope. Another {$1600.00} bill from M & T, I called and asked what's up, they informed me, a month later, that my request was denied. Of course I questioned this and after several holds and transfers they came back stating it's part of my contract and can not be removed. Well I then researched my loan, no mandatory escrow for my loan at all, I even contacted the VA to verify this. I called again and was given the same 2 answers, no we will not remove it and no we will not re-evaluate it. 

Now I am seeking an attorney to help rectify the situation since apparently I am not the only sucker sold out to this criminal group. What steams me the most is they told me " don't worry you'll get any overage back in XX/XX/XXXX of next year '' ... Don't worry? My mortgage payment is almost {$500.00} more a month than the agreement I signed, I am going out in a limb here and saying if anyone in the general population is hit with {$500.00} extra a month, that is going to cause serious damage or hardship. Where do these people get off at thinking they can hold onto approximately $ 5-6000 for a year ( most likely earning interest ) and it's ok because they'll return it in one years time.
My collections portion of credit scores for Equifax and XXXX state I owe XXXX XXXX from 2010. XXXX report says {$150.00} the next report states the amount due is {$170.00}. I just spoke to XXXX in XXXX and she could not find any account like that in my name. I have not received any collections attempts. I would really like to settle the account but she did not find one. This matter is being forwarded to another department and I must await their contact.