WillisBack/dataset-financial-user-claim huggingface dataset:
I was in the process of purchasing a car for my daughter & I got pre approved by  XXXX   XXXX  ... I contacted  XXXX  dealerships  (   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   )  & forwarded my pre approval with   XXXX    XXXX  but they still ran my credit without my consent ... They knew I had a pre-approval & I wanted to go with  XXXX   XXXX  ... I emailed them my pre-approval as well so they would know the condition of my car loan ... Now I have all these hard inquiries on my credit report which should not be there ... The only  one  that should appear would be   XXXX   XXXX   XXXX  &  XXXX   (  my credit union ) which I applied with before I got my pre approval with  XXXX   XXXX .  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  &  XXXX   XXXX  should have not ran my credit ... I have attached the emails between the two dealerships showing they knew I had a pre-approval through  XXXX   XXXX  ... Please have them delete these HARD inquires of all three credit bureaus ... Greatly appreciate it ... Thank you ...
I have Wells Fargo Business Accounts. When I visit my business account the company advertises a Small Business Line of Credit- pre approved for XXXX to XXXX. However, when I applied they only approved XXXX. I would not have applied for XXXX. I have excellent credit and do n't need smaller amount of credit line than XXXX. This resulted in a credit inquiry on my credit report, which will lower my score. Wells Fargo did False Advertising to entice people for loans, but approved much smaller loans that originally promised.
On XXXX/XXXX/2016, I called First National 's automated system to check my available credit. It stated it was about {$330.00}. My statement also confirms this, Specifically, it states {$350.00} is available. Therefore, I paid {$300.00} on a credit card that I used to pay for an air conditioning repair. 

On XXXX/XXXX/2016, I received a letter in the mail from First National stating the check was returned for {$300.00} ; Moreover, they charged a {$33.00} NSF fee. When I called their automated system, it stated the balance is now {$8700.00}. So there is money that is unaccounted for on the account that has recently come through that they never informed me about through the mail or through their online system. Moreover, the {$300.00} paid to the credit card company is the only recent transaction completed by me on this account since about XX/XX/XXXX. They never should have returned this check and they should given the correct balance when I called.
Hi there, I submitted a " XXXX XXXX '' via the website XXXX XXXX to Transunion to remove a closed account under my name for {$2500.00}. I submitted the dispute on XX/XX/2018 and just now received a notice that they completed their investigation on XX/XX/2018. This totals as 47 days. 
From my understanding of the Fair Credit Reporting Act, Section 611, they are only allowed to have 30 days to respond. I did not supply them with additional information within the 30 days of their investigation, which from my understanding, means they did not have the right to include an additional 15 days to their investigation.
I opened CITI bank Priority account which promised an account opening Bonus of {$600.00} after qualifying activities of depositing {$50000.00} and keeping money in the account for 5 months! 

Even after qualifying activities are fully completed and confirmed by CitiBank Customer Service Representative, they are NOT depositing my Bonus of {$600.00} in the account. 

If I chose to close the account then they will not deposit the bonus even though my account and money ( {$50000.00} ) are held by them in my account for more than 5 months now. 

If I decide to make full withdrawal of my money {$50000.00} and keep the account open so as to receive the bonus amount of {$600.00}, they will charge me account maintenance fee as account need to have {$50000.00} at all the time to avoid account Maintenance fee. 

I simply want to get my bonus of {$600.00} and withdraw all of my {$50000.00} held with them and close the account immediately as I need the my money back soon. 

Purposely they are delaying the bonus depositing process to keep my {$50000.00} locked with them. 

I attempted to escalate the matter but they are not doing anything. I have spent hours with them on phone but they do not seem to care. 

They do not have any mechanism in place to keep a record of two way communication between bank and the client. 

Very deceitful tactics by citibank. 

Kindly help.
NationStar/ Mr. Cooper is intentional miss applying extra payments attended to pay down my mortgage. After several phones call and threats to file a complaint they applied {$390.00} paid to them in XXXX on XX/XX/XXXX ( see documentation ). This payment should be adjusted for XXXX when it was paid to them and not holding it for 2 years in some unapplied account fund making the company money via interest in their accounts. Furthermore, after phones call in XXXX and XX/XX/XXXX regarding extra payments paid to them in XXXX they reversed {$430.00} that was applied as a regular payment XX/XX/XXXX ( see documentation ). When I question why would anyone want to make extra payments toward interest and not the principal, they gave me some lame excuse about they thought I was just paying a month in advance.
ON the XXXX of XXXX I got alert from XXXX that a collection was added to my credit, when I checked the information it came from this collection agency MIDWEST RECOVERY SYSTEM LLC XXXX XXXX XXXX XXXX, MO XXXX. 
XXXX Amount is {$610.00} I disputed the information on my XXXX report with a statement that the following never took place before the collection agency report the information on my credit A. I never receive any form of communication from the collection agency both mail and phone calls B. I was never given the XXXX grace to acknowledge or dispute the debt.
c. they did n't follow the protocol on debt collections D. I told them to remove it from my credit and go through normal process of collections, they tried to bully me by telling me when I pay they will remove it. which I refuse E. after my refusal, they decided to sent a notice through my email, immediately I dropped the call with them, dated XXXX XXXX specifying I have XXXX to dispute the debt. by sending the email today and dated XXXX XXXX I told them I have until XXXX of XXXX to respond after which if I fail to act they can then report it to credit bureau but they refused please kindly tell them to follow the due process and do the right thing, because they ca n't send me notice today the XXXX of XXXX when I challenged them, while they already report the information on my credit without the notification and XXXX response.
Original balance {$1500.00}. After receiving a settlement offer letter from Portfolio Recovery Associates, I decided to pay the single payment plan of {$1000.00} that was offered in the letter. The letter also stated that once paid, the account would be considered " Settled in Full ''. I sent a cashier 's check for the {$1000.00}, as well as a letter back to them stating that I have paid what they offered. However, they have not made my account as settled in full like they said they would. They only deducted the {$1000.00} from original balance, saying that I still owe {$470.00} on my credit report. I have copies of their letter, my letter, and the cashier 's check. I do n't know what to do.
To whom it may concern, I have been a loyal customer at Wells Fargo since XX/XX/XXXX. On XXXX XXXX, XXXX, I deposited a personal check from my wife 's account in the amount of {$1200.00}. The receipt provided stated that {$400.00} would be released immediately and the remainder on XX/XX/XXXX. With that information in mind I proceeded to write out checks. When I checked my account on XX/XX/XXXX not only was the money not available, my account was negative which is a first for me. Instead of contacting me, the XXXX, NY branch withdrew the funds which put us in a panic. I contacted the customer service department who told me that there was a signature irregularity. Being that my wife was a XXXX for XXXX years I immediately contacted her. She in turn contacted her Credit Union which informed her that they were never contacted regarding a signature verification. With that in mind we called customer service back and asked to speak to a supervisor. The representative connected us to XXXX XXXX whom I believe works out of the Minnesota call center. She did not see any notes about a signature discrepancy and could not understand why there was a hard hold on this check. She then connected us to the corporate office and we spoke to XXXX. Unfortunately I do not recall her last name. She assured me that this issue would be taken care of immediately and that she would get back to me first thing in the morning which would have been today. I never heard back from her and when trying to reach her I was unable. 

In the meantime my wife logged into her online banking account and noticed that check # XXXX in the amount of XXXX already cleared her account. While thinking about placing a stop payment on this check she was now unable to. 

Knowing the check cleared her account we decided to go into the XXXX, NY branch which is located on XXXX XXXX ( zip XXXX ) which is where we deposited the check to begin with. We talked to the branch manager XXXX. He also could not understand why the check was n't released. We showed him a copy of the check clearing my wife 's account. He called several individuals XXXX being the deposit operations department and the other being his district manager. None of these parties were willing to assist us. We then spoke to a XXXX XXXX and XXXX XXXX who stated they were from the executive office. Both talked down to us and when I asked why my check was being held his answer was " I 'm sorry I ca n't help you '' this was said to me several times. At one point XXXX XXXX from the executive branch said that the Branch Manager ( XXXX ) had the authority to clear this. When contacted, XXXX said that only the corporate-executive branch has that authority. 

Wells Fargo has displayed immoral and unethical practices in this matter. I regret that the matter had to go to this extreme. It is really sad when a corporation of this size and stature resorts to such illegal actions. 
Thank you!
I took out this loan 15 mos ago. At first it seemed like a good deal at the time. Then I found out after I had already signed to the terms that they had duplicated my student loans more than once when they were calculating my DTI. My loan was consolidated as XXXX loan at the time and it was in deferment so when they duplicated it they added it several times as a XXXX. I 'm not sur if this was to drive up the interest rate or what. Also they reported mostly interest to the front of the loan, so paying it off was going to take longer than it would a regular loan. Lastly I paid off the loan on the XXXX of XXXX. I was told that they were going to report it paid to the credit bureau on the first and mail me back my original contact, however they have not and I have already spent money on a credit report with my mortgage company, just to have it show inaccurate information.
On XX/XX/XXXX, I received a postcard saying I recently closed on a mortgage with Suntrust Bk. There was a mortgage number id that didn't match my mortgage number, which was paid off in XX/XX/XXXX, and there was no return address or identification of a company. I am attaching a copy of the post card with this complaint. 

Thank you, XXXX
Accou nt Control Technology, INC. ACT i s trying to collect a junk debt. This debt also failed validation With another collection agency called  XXXX   XXXX   XXXX , whom failed to provide validation in  XXXX . Moreover, validation was sent today in the mail and ACT failed to respond to my complaint with the Better Business Bureau Complaint ID # :  XXXX . In addition, Account Control Technology called me on  XXXX / XXXX / XXXX  from the number  XXXX  telling me to " make payments '' This also violates the FDCPA ( Fair Debt Collection Practice Act ) by failing to mention offering validation.
I tried to log into my  Coinbase accou nt to check the balance while I was on vacation in  XXXX . They locked my account and have n't restored access and it 's now bee n 2  weeks.     I have contacted the company repeatedly and received no response.
I had paid for the highest level product from Equifax for the protection of my identity and the most updates of my credit report. In the end I had paid hundreds and yet I have been informed I am compromised again. I find this very XXXX, I once dreamed of owning a home, now I will be lucky if a bank will issue me a credit card.
Does not adhere to 15 cease and desist notifications. All I want is all communication to be in writting
On XXXX XXXX XXXX I contacted an ad on XXXX for a XXXX XXXX pickup truck. I left a message and XXXX XXXX XXXX XXXX called me back. He said he was a sales manager for XXXX XXXX XXXX in XXXX Kansas. He gave me all the info I asked for along with a copy of the title, video of truck running and specific pictures I had asked for. We negotiated and agreed on a price. They offered a shipping company who worked for them to deliver the vehicle to me within 72 hours after payment was received. On the XXXX we agreed on {$15000.00} plus shipping. At that time he wanted my drivers license in order to process the state paper work and to title the vehicle. He then emailed me a buyers order and all the account information to wire the money to their bank. On XXXX XXXX I went to our XXXX and wired {$15000.00} to his Chase account. After that he contacted me to tell me he received the money and that they were loading the vehicle on the truck and the truck driver would be contacting me. That evening the truck driver did contact me and said he would be here early afternoon on Monday XXXX XXXX. He would call when he was close. When I never got a call on Monday afternoon I began calling them and and never received any calls back. I started XXXX and realized it was a scam. They are still running XXXX other antique cars on other websites including the same truck I already was scammed on.
Lowes credit card, serviced by Synchrony Bank, is taking 7- 14 days for an online payment to clear if the payment exceeds {$500.00}. Is this a maneuver to attempt to have payments posted as overdue because of the extended time for an online payment to clear? 
Does the law limit this action which does not seem to serve the consumer? 
Visa posts in 24 hours. 
Please advise.
Had a   XXXX   XXXX   credit card. Lost job and it went to collections. I have been getting contacted by  CACH LLC on acc ount  XXXX . I am not familiar who they are. Within my rights, I asked them to provide validation of the debt, proof of how the balance went from what the balance was at   XXXX   XXXX   when the account was open to how the balance got to where it is now. I also asked to provide proof that they are authorized to work on my account on behalf of   XXXX   XXXX  . They refused to provide this. I contacted  XXXX  and they advised that the new creditor does not have to provide this and has closed the dispute several times.
I received phone call and male said he wanted to speak to XXXX XXXX. I asked what it was about and what organization he was with. He would not answer. He wanted my birth date and social security number. I asked him again who he was and whom he represented. He said XXXX and said they sent me a letter and that I should go home and read it and call back when I wanted to talk. I googled their name and phone number. I have no knowledge of this company or their services or letter. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX. 
This was a horrible way to treat someone even if they do own for a medical bill.
Filed a dispute with all three credit reporting agencies, that they are inaccurately reporting the following inquiries that I am not familiar with or not mine ( did n't authorized the hard pull of my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 ) XXXX XXXX, 2016 and XXXX XXXX, 2016 XXXX and the 30 day later notice of : XXXX XXXX XXXX. Not accurate or mines. 
A certified mail was sent to the above mention, as of date, I have n't receive any response and the information is still being report, that impacting my ability to obtain further credit. Without Prejudice
A company that has presented itself as Warner Asset location services ( claims processing department ) has called me on multiple occasions over the last few months because they are trying to get in contact with a former co-worker of mine. They have indicated the former co-worker put me down as a reference back in XXXX. I have told them I do n't know what this is about. That him an I do n't speak. I did not give permission to be added as reference and to please stop calling me. They refuse and have continued to aggressively contact me from multiple numbers. They say their " sources '' confirm we are family ( We are not ). I do not have any delinquent debts. I am tired of blocking their numbers.
Most recent call was today XX/XX/XXXX- from XXXX. They have also called from : XXXX ext. XXXX. Today 's representative 's name is XXXX.
CREDIT BUREAU HAVE NOT PROPERLY INVESTIGATED NOR REMOVED FRAUDULENT ACCOUNTS OF MY FILE WHE N IM  A VICTIM OF IDENTITY THEFT
Hello, XX/XX/XXXX applied for and received a Barclaycard Mastercard as part of an effort to rebuild my credit. As is the case with folks with less than perfect credit, the card had an exceptionally high interest rate and onerous fees for everything. Right off the bat there were issues with access my account, viewing statements, but I paid as I spent, and my limit was only {$2000.00}. 
At one point XX/XX/XXXX, I was nearly at my limit. I paid a minimum payment, and then set up my bank to pay automatically, and I put the card away. Somehow the minimum payments just seemed increase despite the fact that I was not spending on the card. I did n't notice this for some time because I did n't think they would increase if I had n't spent. 
Then the calls came, multiple times a day, disrupting me at work. Half the time no one was on the line. They called when payment was due, the same day I made a payment, the day after, and I got emails telling me I was near my limit, thanking me for my payment, telling me my statement was ready. Each month the minimum payment was climbing by $ XXXX+. I could n't pay that, and I continued with the automatic payments at less. 
XX/XX/XXXX my last statement said my minimum payment was {$700.00} - on {$2000.00} limit card? Then I received a letter that my account had been handed over to a collection agency. No warning. No letter or email or voicemail. Just XX/XX/XXXX statement, and XX/XX/XXXX collection agency. Efforts to talk with them just get me diverted to the collection agency. 
All the work I had done to repair my credit destroyed, and not so much as a warning. I was told making timely payments was most important, even it they were not full amount. 
This has been devastating. It was a terrible decision, and Barclay is a terrible and predatory organization.
I left my wallet at a friends house and when I retrieved it later that night I found about XXXX-XXXX dollars missing from the card, he swore he was going to return it to me but now he wo n't answer my text or calls!!!
On XXXX2016 XXXX XXXX made a final attempt to have the college debt discharged. 
XXXX XXXX XXXX XX/XX/16 to XXXX Hello, I did all of the steps to discharge my loans but I'm not seeing any results. 
I have been XXXX with a XXXX XXXX and one of my options with the student loan program is to discharge if I'm with a XXXX XXXX. 
I would like someone to follow up with me and assist me with finalizing this option. 
Thanks, XXXX XXXX
Multiple contacts made with outside family members and their employers. Also contact made with general acquaintances of mine. All were told I was trying to be located regarding many different scenarios all of which were lies. Credit card and bank information was requested from the contacts by stating I had given their phone numbers ( many I do not personally have ) and statements were made saying I had made payment arrangements that involved outside parties having to divulge their private credit card and bank information for payment of my debts and so the caller was calling to request that information from them. Also when I contacted the company I was told that for {$60.00} I could get my loan out of default, clear my credit report, be able to qualify for new loans and All I had to do was pay {$10.00} initial payment and {$5.00} a month for 10 months. The company refused to send me a copy of my bill and refused payments unless I set up automatic credit card payments. This company has my correct address phone and email but yet still calls my familyand their employers as well XXXX my acquaintances and misrepresents the purpose of their calls. The company is enterprise debt collector.
I never received any correspondence by mail or email about such debt. I am entitled to be notified prior to placing anything on my credit report. I am unaware of such debt and I was unable to request validation of debt of such debt prior to reporting on my credit report which is required by law if I choose to do so. Unfortunately, I was not given that option. 

MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/18 Dear MIDWEST RECOVERY SYSTEMS XXXX : XXXX After viewing a copy of my credit report, I noticed a collection account placed on my credit from Midwest Recovery Systems. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed break down of the fees that I owe. 
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of 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 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. 

Sincerely, XXXX XXXX XXXX