WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018, there's a hard inquiry on my credit report by a company named, EQUIFAX XXXX. I did not authorize this company to run my credit. Their telephone number is XXXX. 

Thank you. 
XXXX XXXX
I never looked at my credit report, because I did n't know how to do so. But when I get the account to get in, so much companies reported informations that I have no idea about. I need help. It hurts me. 

Dates : XXXX XXXX, XXXX Amounts : {$920.00} Actions : I called XXXX XXXX SERVICES and told them that I did not get on the Paramedic when they came to get me after an XXXX attack. My girlfriend told them the hospital never help, so I was not going, neigbors called them but I did not go. I got better on my own term by using natural help from neighbors, by the time they get there. I was already OK. They took my social security number, name and left, and later a bill of {$920.00} came. They did not even touch me. After a couple of years of argumenting with them they got XXXX XXXX XXXX to collect the amount of {$920.00} which we brought a solution in to remove it years ago, but on XXXX XXXX, XXXX it came back on again. And then they got another Debt collector name XXXX XXXX also collecting another {$650.00} which I have no idea where it came from also. 

Dates : XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) Amounts : {$460.00} Actions : I called them, I have no idea what 's XXXX XXXX XXXX XXXX. I checked it on XXXX, the area where this hospital is, I do n't live XXXX hours close to it. I contacted XXXX XXXX XXXX which is the debt collector, I told them I have no knowledge of these charges. They refused to remove them from my credit reports. 

Dates : XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Amounts : {$520.00} Actions : I have never have a XXXX XXXX service in my life before. Even XXXX XXXX yesterday could not verify it. So this needs to be removed. And they need to verify the social security of the person that owed them. The debt collector XXXX XXXX XXXX needs to remove this from my credit report. I have no idea what would this bill for. 

Dates : XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) Amounts : {$100.00} Actions : I did n't take action because people who owe XXXX ca n't still have service with XXXX, I have been with XXXX for 4 Years now, never have an issue. Where is that payment coming from. XXXX XXXX XXXX needs to verify with where they got this information and find the right person who owe them. 

Dates : XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) Amounts : {$530.00} Actions : XXXX XXXX is collecting {$530.00} for XXXX XXXX XXXX BANK which I have no idea what 's that. This needs to be removed. 

Dates : XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Amounts : {$520.00} Actions : XXXX XXXX is also collecting {$520.00} for XXXX XXXX BANK XXXX which I know but the amount is totally wrong, and the account is more than XXXX XXXX XXXX, a family member bought something with it when I found out about it later, and forgot about it ... 

If it was not for XXXX XXXX, I would never know about those false reports. Please remove them
Premier Student Loan Center contacted me about student loan consolidation. I was instructed after gathering my information that I was approved for a student loan forgiveness program and would only be responsible for a portion of what I owed. After receiving charges on my account from XXXX XXXX XXXX I started to question this and contacted the Department of Education. I was instructed that their is no charge for this process and that this was a scam. The representative told me that these companies claim to be making payments on my student loan when in fact my payment amount is XXXX. She also told me that the consolidation process was free. I am calling this company but no one will return my call. I have disputed this with my bank and have filed a police report with local police. My student loan has not been forgiven like they claim. Please advise.
This is an addition to previous complaint case # XXXX / omb # XXXX as I was unable to add additional information to that complaint as a result of Wells Fargo 's responses to me. 

I was advised at XXXX Tuesday XXXX/XXXX/16 by Wells Fargo rep XXXX XXXX that his managers refused to provide restitution for the purchases I made in anticipation of my vacation to fire island that was cancelled as a result of all the misinformation provided to me by multiple Wells Fargo reps while I was getting a loan modification. I would not have made the purchases if not for the XXXX XXXX trip that I had to cancel. I wanted to add to the complaint that I was told NO restitution is being provided. 
This is very upsetting that this company can tell me XXXX or XXXX different things as it pertains to my mortgage payment amounts and dates, take money from my account when not authorized AND not provide any restitution for or be accountable for their actions causing me and my family great losses. We lost out on a vacation ( TWICE AS A RESULT OF MISSINFORMATION ), which in my eyes, with XXXX children looking forward to is priceless, money spent for that vacation at least {$2200.00}, there was at least {$1000.00} more but that was spent in cash so unfortunately I can not provide receipts for that. Another {$700.00} or so in medical expenses and they say " sorry, cant help you with that '' I would like to insist that at the very least, they provide restitution on this matter with re payment to me in the amount of {$3000.00} Thank you.
Mortgage Escrow account we asked  Chase to remove home owners insurance. Chase did a mortgage escrow account review and noted a shortage. 
Chase printed the statement on XX/XX/2015 I received the notice on XX/XX/XXXX (Saturday), that my total monthly mortgage and escrow payment will change on XX/XX/XXXX Chase gave me the option of paying the shortage, or changing my monthly payment, or paying a portion.
Nelnet approves the loans obtained from XXXX. Nelnet should have obtained my XXXX XXXX application in XX/XX/XXXX at which time it would have been approved as it was in XX/XX/XXXX. XXXX  acknowledging that a XXXX XXXX XXXX is on their XXXX XXXX  loan program approved list should have disclosed the program to me back in XX/XX/XXXX. The loan/program process was delayed for years as XXXX failed to disclose the XXXX program to me which delayed & continues to delay the process/closure of said process. 

XXXX despite knowing from XX/XX/XXXX-XX/XX/XXXX ( undocumented call post graduation XX/XX/XXXX at which time disclosed my head injury and was informed of the now 6 mo grace period ) that I had suffered a XXXX XXXX XXXX in XX/XX/XXXX due to an XXXX  and continued to be XXXX from it today was never offered the XXXX XXXX  program option. I was constantly steered into other loan programs that allowed accumulation of funds/interest. 

I wish to know why in a specific response : 1. I was constantly steered into money producing programs benefitting XXXX, but was never offered the XXXX program as an option. 

2. A XXXX XXXX XXXX definition is listed under XXXX 's allowable XXXX XXXX loan program therefore why was it never offered to me when you knew I am suffering a XXXX XXXX XXXX and it is an allowable injury/illness under the XXXX XXXX  program as a loan remedy/option? 

Having the knowledge of what illness/injuries fall under the XXXX program but failing to disclose the program appears to be a failure to provide available proper loan programs to those they serve, possible a civil rights issue. As per their own criteria they knew I qualified for their XXXX loan program and per their own XXXX illness/injury standards but failed to disclose the XXXX loan program option to me. 

I request you ask XXXX as XXXX XXXX XXXX   are listed under their XXXX XXXX program as an allowable injury why did they deliberately deny me since XX/XX/XXXX the right to apply for the available XXXX loan programs by deliberately steering me only into loan programs that financially benefitted XXXX and disallowed me to right to the XXXX loan option. XXXX approved my XXXX XXXX but it was delayed for years unnecessarily as XXXX deliberately failed to disclose the program option that would better meet my needs due to my XXXX. My medical documents prove clearly my XXXX XXXX   occurred on XX/XX/XXXX and continued through XX/XX/XXXX, as it does today. This documentation shows also that I qualified for the XXXX XXXX XXXX back in XX/XX/XXXX.
I have a US Bank secured credit card with a credit limit of {$1000.00}. I accidently overpaid the credit card which was fine and that created a credit balance on the card. The US Bank website and XXXX app showed the XXXX payments, showed the credit balance and showed by " available balance '' as {$1500.00}. On Sunday XXXX XXXX I went to check into a hotel ( XXXX ) by US Bank credit card was declined. I used another card to check in and called the number on the back of the card for an explanation. I was told that there was a 7 day hold placed on my payments ( which was made on their website via ACH from a checking account ) and that my available balance was just over {$100.00} thus the decline. I asked why the hold was placed for 7 days on an ACH payment and they could not explain. I asked why the website and mobile app showed my available balance of {$1500.00} when it was n't and they said they were not sure that maybe it had not updated. But it had updated to show the payment. 
I asked the first person I talked to if there was any CFPB guidelines on the holding of ACH payments or on the reflecting of available balance on a website that was no actually available. It became obvious that the person did not know what the CFPB was. When I asked if he knew what the CFPB was he admitted he did not. I then ask him to escalate my call to a supervisor and I got " XXXX '', XXXX also seemed to have very limited knowledge of the CFPB or how to handle a customer complaint.
XXXX/XXXX/XXXX {$58.00} XXXX/XXXX/XXXX {$90.00} XXXX/XXXX/XXXX {$90.00} XXXX/XXXX/XXXX {$290.00} I initially applied for payday loan with the understanding that I would be charged small bi-week interest rate until I payoff the full amount. Apparently, I was NOT! AWARE! of the small fine print that the company was charging 400 % more than what I was charged. This company refused to to accept that fact they mislead me with their fees and interest and all they said was it was my fault because I didnt read the contract.
I have now and have had an account with Paypal since 2008. I have always funded my paypal purchases with my bank account. A little over a year ago I was making a purchase and continously received a pop up for what they were calling paypal credit. I clicked on the link interested in seeing what it was about and to get more information. I was instantly signed up and the payment was made on my behalf utilizing the paypal credit. I attempted to contact someone on several occasions and my emails were either ignored completely or I would receive an email back with their policy copied and pasted but never the opportunity to speak with a representative. Over the next year I continued to utilize paypal unaware that pretty much every purchase that I was making was then being defaulted to the paypal credit. I again tried to reach out to someone in Paypal customer service again I was unsuccessful. I had he funds available and did not want Paypal credit. I do not think that I should have to pay them for this unethical practice to trick its customers into accruing debt. I'd used Paypal for 5+ years prior to this with no issues and had no problem paying from my account. This trick to get people to use their credit and in turn run up debt is sad and should be dealt with immediately.
i started a secure credit card with {$400.00} with capitol one. after a {$49.00} fee i had {$350.00} of credit. now when i started the card it stated i could increase the amount by adding more to the account. today i recieved a letter saying after XXXX/XXXX/16 i could no longer increase the amount by deposit. this was not the contract i entered into. i contacted cap. XXXX to tell them this fact, we were disconnected. they did say i could increase it until XX/XX/2016. when i informed them that legally this was not able to be done only new accounts i was cut off.
citibank continually try to collect of seeking to collect debt from the wrong person, and for the wrong amount ; Citibank is also seeking to to collect debt that can not legally be enforced ; My mother is deceased ( XX/XX/XXXX) and her estate was probated and finalized. <P/>On XX/XX/XXXX I discover Citibank has is seeking to foreclose on my inhered property based on my deceased mother alleged mortgage ; At the time of the alleged Loan My Mother was Hospitalized before durning and after this pretor Loan ; I have filed several complaints with the CFPB in regards to this matter all to no avail
Discover Financial Services continues to report to XXXX and XXXX an alleged debt even though XXXX reports the last payment date as XXXX XXXX, XXXX. 
No payment have been made on this account since XXXX XXXX, I did however file a complaint with the CFPB in XXXX XXXX Case number XXXX ) and Discover credited this alleged account for a portion of the credit protection program premiums I had paid. XXXX failed to honor this program and I declined their offer to credit the amount they offered. They credited it anyway and then closed the account on XXXX XXXX, XXXX. They also sent a XXXX for XXXX and I paid taxes on the alleged debt. 
No payments were made on this account since XXXX and it is well past the 7 year time period and should be removed from my credit reports. 
I sent XXXX a letter on XXXX XXXX, XXXX asking them to remove this alleged debt from my credit reports but they have declined to do so. 
Thank you for your help. 
XXXX XXXX
Experian does not provide credit report online via annualcreditreport.com. 
I keep getting the message " we are unable to honor your request '' I am being asked to do this via snail mail! There is no explanation as to why.
On or about XXXX XXXX I closed my safety deposit box at Wells Fargo XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in anticipation of a move out of state. XXXX XXXX, Personal Banker at that branch, went with me into the vault to empty the box and I gave her the key when I was done. She gave me a receipt. I moved XXXX the next month and continued my other accts. with Wells Fargo. On or about XX/XX/XXXX I received a call from Wells Fargo saying that I owed for another year 's rent on the safety deposit box. I told them I closed it and gave them the receipt number. The man I spoke to said " all was taken care of and not to worry ''. A year later I was moved back XXXX - still having a Wells Fargo account - and when I went into a local branch to change personal information I was told that I now owed for two years safety deposit box fees ( XX/XX/XXXX and XX/XX/XXXX ) - I told him that box was emptied and closed and he said I would have to take care of that at the original branch. So I drove over 30 miles to the XXXX location and explained the situation with them. I no longer had the receipt. They said there was nothing I could do. They continue to hold the box in my name and charge me yearly fees for an empty box that I closed. The only document I have is the business card of the woman who closed the account for me. I do not wish to collect monetary damages for my out-of-pocket expenses/duress in dealing with this. I just want them to close the safety deposit box account and remove any debt associated with that from my name. They are a rich bank who made a mistake and lost the key and they are trying to make me - who lives on limited income - pay for their mistake. Please assist me with this problem. I did not know where to turn until I saw your name in a news article.
XXXX XXXX was once deleted on all three credit reports ( experian, XXXX & XXXX ) and now i see that they are back. Please delete XXXX XXXX from all XXXX bureaus because it 's now holding me back from purchasing my brand new home. The bank gave me 30 days to work on having XXXX XXXX removed from all three credit reports before they make their final decision on my loan application. Please honor my request so i can finally move my family into our brand new home. Thank you in advance!
This " company '' has now called my co-worker 's number 5 times in a row, within 2 minutes, and have left messages sharing information such as " they have a complaint against me '' on a voicemail that is not mine. This is AFTER they were already told to stop contacting me or my place of business, and to send written verification of a valid claim/debt against me. This has now become harassment. I searched and it appears it may be Global Recovery Systems? They also use a fake number with my area code to try to trick me into answering.
I bought XXXX XXXX XXXX XXXX from XXXX XXXX in XXXX, XXXX, and the software does not perform as outlined. I am a XXXX XXXX XXXX Veteran. I did not take the 14 day free trial period. I bought the software thinking it would help me as a trader in commodities. I haven't had the software for 14 days. I bought it on XX/XX/2018 and the 14 day period, would end on XXXX XXXX, 20018. I thought there was a money back guarantee during that 14 day period. XXXX didn't explain to me that : all sales are final which I believe is a scam. 

This software does not generate XXXX XXXX XXXX for XXXX. When I bought the software on-line, I was not told : all sales are final. This is a scam to get my money which was {$1500.00}. I used PayPal. Here is the information from PayPal : XXXX2018 XXXX XXXX XXXXXXXX Loading transaction details forXXXX XXXX XXXX - negative {$1500.00} XXXX XXXX this XXXX XXXX with XXXX XXXX XXXX XXXX  Ship to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL  XXXX United States Category Software Transaction ID XXXX Return shipping refunds Request return shipping refund For more info See Terms Seller info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1500.00} Total {$1500.00}
I have been a victim of Identity Theft and sent Transunion a Id theft report and police report. XXXX XXXX loam reporting Fraudulently.
I recently opened a Premier High Yield Savings Account with CIT Bank. I received an email on XX/XX/XXXX that account had been funded. I received my first statement with CIT Bank and the total amount of funds sent to open account was short by $ XXXX. I tried logging in to my account ( I had logged in previously, shortly after account was funded ) and I believe the correct amount was shown in account. When I went to log in today, XX/XX/XXXX, I received message to call customer service. I did so. Customer Service told me I could not access my account and that a " specialist '' would be calling me in 3-5 days. I asked to speak to supervisor and she said same. They would  not give me any information on why a specialist needed to speak with me. It is very upsetting to me that I have to wait 3-5 days to find out what is happening with my monies, not to mention that if I needed the money quickly, I can not have access.
I have had horrible experience with CIG financial. First and foremost the employees are extremely rude and unprofessional. I receive calls, text messages, and emails with very demeaning remarks. They have contacted my family members, friends, and neighbors disclosing information about my account and threatening legal action and imprisonment. The employers and supervisors of my references have also been contacted and given information about my account. Even after contacting supervisors and general managers the problems continue. I have been humiliated and my references jobs have been jeopardized due to the harassing calls and personal issues being presented to the work place.
On or around XX/XX/XXXX, I requested Experian 's method of verification in regard to a specific collection account, XXXX XXXX, that is on my credit file to no avail. Instead, I received a form letter response. To date, Experian has not provided me with any information they utilized to determine that the information XXXX XXXX provided was accurate. Again, on or around XX/XX/XXXX, I disputed the XXXX XXXX with Experian to no avail. Experian has failed to comply with 610 ( 1681h ], clearly and accurately disclose the requested information to me.
XXXX XXXX XXXX has been reporting to Experian through XXXX for over 10 years. Recently we realized that XXXX had gone out of business and none of the information we were reporting was appearing on Experian. Furthermore Experian deleted all the information we had ever reported through XXXX without either company informing us. We have been dealing with the manager at Experian, XXXX XXXX, and the supervisor, XXXX XXXX for two and a half months now without any solution. We were denied being able to report to them directly yet we are still being charged to be able to purchase credit reports from them even though at this time we know they are not accurate because valuable information from our company has been deleted. Over ten years worth of information is missing for our customers. Experian refuses to reinstate the information.
I am writing to dispute XXXX/TOTAL CARD ACCT # XXXX. The highest balance on the account is incorrect.
My first home mortgage from BB & T bank was a short sale transaction. The bank accepted less then the mortgage. I signed the XXXX form in XXXX of 2014 selling the home to another individual. BB & T bank then reported the loan delinquent 180+ days for the next 20 months. I have tried to dispute this information XXXX in which I have included the lawyer signed documents showing the home was sold in XXXX of 2014. XXXX has not taken proper actions to fix my credit report.
Last 2009 when I was stationed in Georgia for the XXXX XXXX I bought a Nissan frontier through financing from a dealership there and I have no idea that they charged the sales tax under my name. And take Note the truck has already been paid off a long time ago.I called the Department of Revenue of the State of Georgia and they told me that it has already been Cancelled/Withdrawn, they gave me a copy of the Document and I will include the copy on this Complaint. I went to check of their site The Department of Revenue State of Georgia to check if my name is on their Delinquent Tax Payers List and i Screenshot the result of my search and i will too include it here. 
Now my concern is it is still showing on my credit reports with the XXXX, XXXX and Equifax and it really affects my credit score. 
I hope you guys can help me sort out things regarding the matter.
The  Huntington  Bank bill pay recorded a payment to our condo association of {$220.00} on  XXXX   XXXX ,   XXXX  . They tell me they sent a check that was never cashed. Apparently that is the extent of their responsibility to me as they stated they are not responsible for the late fee we have incurred or so I was informed by a CSR supervisor this evening,  XXXX .     But what really concerns me is that on that date they wash the funds from our checking account into a  Huntington Bank account and debit my account that time. It is now nearly 24 days later and the money is gone from my account but still resides in the Huntington bank account where I assume they accrue additional float on the funds not available to me. Prior to Huntington  bank purchasing  XXXX   XXXX , the  XXXX  bill pay sent checks from our account and did not record the payment until the check was cashed thus providing us the ability to know that a check was not cashed in a timely fashion and to inquire as to why.     They tell me I agreed to this process in the transition from  XXXX  to  Huntington  as it was likely in the " fine print ''.     I am certain what they do is quite legal if not moral. Our monies are our monies until a creditor decides to cash a check we have sent time or that the bank, through its bill pay service, sends them.     Shame on you Huntington.