WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/18 I went into XXXX XXXX XXXX with a pre-approval bank draft from XXXX XXXX XXXX XXXX to purchase a XXXX  XXXX XXXX. Even though I had secured financing on my own, I was required by Sales Manager XXXX XXXX to fill out a credit application. With a confused look, " I asked why am I filling this out when I already have financing set up? '' He replied with, ''this form is just for verifying your identity to make sure you're not a XXXX, I'm not pulling your credit or anything like that. '' So reluctantly I filled it out thinking that he was being honest about what he had just told me. Later on that day, I received an email alerting me that my credit had been pulled by XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, which infuriated me. I contacted XXXX XXXX XXXX about this and the most that they could offer was an apology and second free of gas. I only completed the credit application because XXXX had informed me that my credit would not be reviewed and for that display of unethicality and unprofessionalism, I have submitted a dispute with XXXX. XXXX and XXXX will not allow me to submit a dispute without a Letter of Deletion from XXXX XXXX XXXX. So I reached out to XXXX XXXX XXXX yet again and got in contact with the Finance Manager XXXX XXXX, who's claiming that he is not aware of a letter like this so therefore I'm submitting this claim with hope that you all can help me. Additionally, if it helps at all, I do have an audio recording as proof that the inquiry was never authorized.
I recive a notification on my credit report stating that i owe a debt to debt XXXX XXXX XXXX for a blance of XXXX dollars i called the collection agency and ask for furture information concerning this debt i inform them that i had insurance at that time and was n't aware of this bill i ask for proof they sent me a email i told the rep i was not treated at that hospital by that dr and the debt was from XXXX past the XXXX yr i asked them to remove the debt from my credit i called the hospital billing who also could not verify the account as it was writen off their system instead the account was sent to a another collection agency comonwelath fianacal who also reported it as a current account so now i have multiple collectoin agency who are reporting information that should not be on my credit report when i ask for it to be remove they refused when ask for away to to dispute it she ignored me i asked to speak to a supervisor she hung up
BANK OF AMERICA/XXXX is reporting for XX/XX/XXXX as 90 days behind however reported XX/XX/XXXX to XX/XX/XXXX in good standing. It would not be possible to be 90 days late if the account was in good standing the month prior. This is significantly bringing down my credit.
In XXXX, I had my air conditioner replaced by XXXX XXXX XXXX. I paid them over {$1400.00} outside of my warranty for duct work and other items. I paid for this on my Barclays Aviator MasterCard. Two weeks later, the unit malfunctioned and was not working. It was over 90 degrees in my house. They were unresponsive by phone, their emergency line, email and XXXX. Another company had to come repair he unit and told us the wiring was not grounded properly which caused them to start on fire and short and then they melted together and the unit wouldnt work. We were told that our house could have burned down. The repairman from the 2nd company also told us that the duct work completed was shoddy and we needed to have it fixed. I told this to XXXX XXXX XXXX, the first company, and again they were unresponsive so I filed a dispute on my credit card for what I paid them so I could hire someone to come fix the duct work. I dont know the exact date but they wanted all of my documentation and I sent it to them. They received it on XX/XX/XXXX and have been reviewing it for two months with no progress. Ive been told several times that it was being escalated. Ive been getting the run around for months and I need help. They have a lot of information that I sent to them for documentation. They say XXXX isnt responding to them which is the same issue I had with the company. They wouldnt even respond to my XXXX XXXX XXXX complaint. I told XXXX from the disputes department today that I was filing a complaint with the CFPB.
My son had several  Parent Plus Loans. I consolidated the loans when he graduated ( app rox {$100000.00} ) and the next thing I knew they were all completely under my name. I work for a  XXXX  ( c ) so I applied for the PSLF program and income contingent payment plan. In   XXXX  , I was diagnosed with   XXXX    XXXX   XXXX  and paid approx. {$12000.00} out of pocket. I went through  XXXX , several   XXXX   XXXX   XXXX   and multiple  XXXX . I had to take  FMLA fro m work but I never missed a student loan payment. I contacted Fed Loans and they told be to send an updated income contingent form with a copy of my medical bills so my monthly payments could be lowered. I got a response back that my monthly payments were going up. I only refiled the form because the rep at Fed Loans told me that is what I should do. My son graduated with honors from  XXXX   XXXX   (   XXXX  yrs ) from The   XXXX   XXXX   and currently holds  XXXX  part-time low paying jobs while he is in graduate school because his  XXXX   XXXX  did n't qualify him to do anything in the   XXXX   XXXX  . This loan has become a crushing burden that keeps me awake at night.
I enrolled at XXXX here in XXXX, TN back in XX/XX/XXXX. Moved into my dorm the same month. I applied for financial aid and it was awarded to me. I never received a schedule, nor books. My financial aid advisor later informed me that I would have to withdraw or take out an additional loan, because I did not have enough money to cover my cost. I ended up withdrawing I think in XX/XX/XXXX. Till this day XX/XX/XXXX, I 'm still struggling to pay a loan for a school I never attended. Due to my age my mom an I went to the school and spoke with The President, and he promised to get back with us, and we never heard back from him. We were told that the financial aid advisor had been fired because she was stealing the money, and nothing on my end could be done.
Scottrade froze my account without warning and will not allow me to talk to them. The story behind this is quite simple, after I complained about unauthorized access to my account Scottrade became hostile and would not process my requests for an internal review. 

Instead, Scottrade hired a law firm that threatened to sue me for " defamation '' in the event that I continuing complaining about my account problems. In return I asked Scottrade for my account contract and they refused to answer my questions and instead sent me a blank form stating that I have been harassing them. 

It seams that instead of dealing with customers problems, Scottrade chooses to cut-ties with their customers in order to boost this profit and avoid paying for support staff. I would respectfully submit that Scottrade should provide me, as a customer, with the original copy of the account contract and also work with me in a productive manner to review things such as fraudulent transactions, account security, and the returning of my funds.
XXXX XXXX has mailed out a letter stating that Discover released information about my account to them when no permission was asked.
To whom it may concern, I'm writing to convey my frustration with Citibank and any other financial institution, who find it appropriate to prohibit legal sales of firearms. The responsibility of these creditors is to provide a secure and simple means of purchasing, not to impose their own set of laws ; if a private, small-business baker   can't choose to deny based on their faith or societal proclivity, neither should any prodigious, public, taxpayer-bailout-fund taking large business. 
Their time would be better spent establishing a system to prevent scammers and any fraudulent intent used by their system, not prohibit any and all legal transactions made by law-abiding citizens.
Re Citibank Branch, XXXX XXXX XXXX, XXXX XXXX CA Opening teenage son 's account - unauthorized withdrawal of his money to order deluxe checks after we explicitly said he didn't want any checks. 

On XX/XX/XXXX, I brought my XXXX year old son into Citibank to open his account so that he could have a debit card. I have been with Citibank since XX/XX/XXXX and had several accounts with them. 

When we filled out the paperwork for my son 's account which had to be a checking account for him to get a debit card, we clearly explained that we didn't want any checks for him. Despite that, the bank ordered deluxe checks for my XXXX year old and charged his account {$25.00}. 

I have been long dissatisfied with Citibank and this was the final straw that they would rob from a child 's account. On XX/XX/XXXX, I went into the branch to close all of my accounts and my son 's and get back my son 's money they took to buy checks. They dragged the process on and then told me at the end that I would have to come back after XX/XX/XXXX, to get the money as it was a third party vendor. 

I asked as it was the bank that was in the wrong in taking my son 's money in the first place, if they could draw me a check for it and they could then be reimbursed by the check vendor but they refused and insisted I would have to come back to get my son 's money.
In XX/XX/2011 after I graduated from XXXX College in Maryland I started making payments back to XXXX XXXX at the time. Through that time I had been working for the XXXX and was only making {$XXXX} a year. I requested assistance from XXXX XXXX and Navient to be placed on an income based repayment plan. Instead of working with me they pushed me into multiple forbearance which I have the documentation to back up. They continually harassed myself and my parents on a daily basis as I struggled to make payments. To this day I feel that Navient is one of the worst companies to work with and they still have my payments XXXX and they forced me to go into auto-pay to quickly try and get them paid off. They told me that 30 year financing was not available and that I would need to make the full payment each month which is roughly {$1000.00}. I think for someone trying to do the right thing and wanting to pay off their loans they are being penalized. As the lawsuit proceeds I would be more then happy to provide any information or documentation to show how I was a victim of Navients scam of pushing people into forbearance.
Transunion failed to remove my two tax liens ; Docket # XXXX and Docket # XXXX. Neither one of these liens adheres to the National Consumer Assistance Plan ( NCAP ) which requires that liens and judgments can only remain on the consumers credit file if it displays the full name, address, SSN or date of birth. The above mentioned liens display a partially redacted SSN and no date of birth. Given this, there is only one solution : Permanent deletion from my credit file/report. The following is from Transunions website : Following the Metro 2 format, Furnishers must report : Full name ( First Name, Middle Name or Middle Initial ( if available ), Last Name and Generation Code/ Suffix ) Address Full Social Security Number Date of Birth ( mmddyyyy ) XXXX XXXX XXXX
I originally signed up for an account thru XXXX when a purchased a XXXX XXXX phone on XX/XX/XXXX. I was not satisfied with the product and requested a return on that was approved on XX/XX/XXXX. I then shipped the items back on XX/XX/XXXX and they were all received on XX/XX/XXXX at XXXX via XXXX Tracking numbers XXXX. I then started to be contacted by your firm almost on weekly bases that my account was delinquent and that you have no record of this return as it takes 60-90 days between your firm and XXXX to confirm the returns. I offered to provide proof of returns via the tracking info and return information and your representatives were very helpful and sated that they would note the account. Yet the calls continued, and I started to notice that my credit history was being affected via a delinquency on unpaid credit account. 
On XX/XX/XXXX i received the attached email from XXXX that a credit was issued. Yet I continued to receive bills from your firm that I still owe late fees on a returned item. I contacted your representatives and they stated that this matter was going to be resolved and that my credit history would be cleared up. My last conversation with your representative XXXX, XXXX was at XXXX EST on XX/XX/XXXX. To date my credit remains with negative/derogatory information from your firm. I believe that I have given your firm ample time to correct this condition.
On XX/XX/XXXX I had a house fire affecting my garage area and an outside storage building of my home. I called my insurance company on this date, a Friday afternoon, to report the fire. On Monday XX/XX/XXXX I was contacted by the insurance adjuster, XXXX XXXX, hired by my insurance company, XXXX XXXX. On XX/XX/XXXX XXXX XXXX came to my home to inspect the damages for the claim. On XX/XX/XXXX I received the letter stating the damages for my house fire along with a check issued to myself and Chase in the amount of {$18000.00}. I then contacted Chase to learn how to proceed with cashing the check and the procedure for repairing my home. I was instructed to visit their website, XXXX XXXX XXXX to start the process. I did so. I endorsed the check and mailed it to Chase for processing. I then contacted the contractor and submitted the attached documents. Chase would not accept the letter from XXXX XXXX stating the damages from the fire. I then contacted XXXX XXXX to explain that Chase would not accept the letter he submitted. XXXX XXXX then contacted XXXX XXXX   to obtain a corrected letter, which is also being submitted. XXXX XXXX who is a seasoned insurance adjuster of 45 years stated he had never worked with a company that was so difficult in their claims process. 
I received a letter from Chase dated XX/XX/XXXX stating that my loan would be transferring to XXXX XXXX XXXX , XXXX on XX/XX/XXXX. This is only a 14 day notice. I contacted Chase for questions and to find out if any funds were going to be issued prior to the transfer. I was instructed that funds would not be available prior to the transfer and I would need to start the claims process over with the new company. I was VERY upset by this and was hung up on by the Chase representative I spoke to. I acted irrationally and yelled quite a bit but I was also very upset. The temperatures during these past two months have been very cold and the damages to my home created by the firefighters as they extinguished the fire left a hole in my ceiling. The hole is inside the home approximately 5 foot by 6 foot. We had covered with plastic but it still brings in A LOT of cold air. I was yelling and was very upset, but with good reason. Everyone in my home has suffered from the cold weather. 
My utility bills have increased more than expected during the winter months and my home still smells of smoke. We have started on the clean up and demolition and are at a point where we can not proceed without the funds allotted to repair the home. We have already paid for the dumpster and labor costs for demolition. 
I dont think it is right for Chase to change my loan provider in the middle of a claim. Now we have to start this process over again which means it will take even longer to repair the damage to my home.
Seterus has not provided me with my XXXX interest form in a timely manner. They have removed my online access since the account was paid in full in XX/XX/XXXX. Therefore I have no way of obtaining the XXXX other than waiting for them to mail. They claim that they mailed it prior to XX/XX/XXXX, but I do not trust or believe them. I would appreciate them providing me a copy of my XX/XX/XXXX XXXX interest form and I would also be interested in seeing proof of their claims that they 've mailed the form to me timely. They have my correct mailing address and verified this with me, but I 've still not received anything. Their standard answer is 'We can not control the mail '. They provided the figures to me over the telephone but I feel more comfortable with the form in hand since I do not trust them due to this same issue occurring last year and issues receiving our overpayment after payoff this last fall. 

I fear they may be compromising my personal information by possibly sending the XXXX form and possibly our refund from payoff to our previous address. I hope this is not the case, but I am not comfortable with the situation.
I am victim of identity theft. I have done everything humanly possible to recover from this. I hav sent to all.3 credit agencys a copy of police report, FTC complaint form, accompanied by credit report identified errors. Thy told me acct verified, so I resubmit my paper work and didnt do nothing but  bring my score to XXXX. These are acts that hav to be blocked permanently because I didnt authorize and were open in my name. 
XXXX XXXX says I ow e XXXX. Thats wrong. Its a laseee. I pay XXXX/month and nvr been lat because its auto ded from checking. And the screen shot is all acoustic to fraudulently opnd and must b permanently BLOCK. And remove all inquiries!
I received a loan from castle pay day loan and supposedly when they went to take the money out of my account it was n't in there when I actually get paid direct deposit. Now they are calling an address and phone number from 20 years ago threatening a lawsuit etc. I have not received any formal letter from this company. If so I would have paid. I also researched them and found out htat they have many many complaints of scamming customers. Please help. They have threatened to send documents etc to my job and everything.
I have made several attempts over the years to dispute an entry on my credit report. Undereducated about the process, I gave up in trying to remove. I recently have refinanced my house and was questioned by my lender about this company on my credit report again. 
Unable to explain and unable to resolve, this entry contributed to my not qualifying for a lower interest rate costing me more money. I once again sent certified letters and made attempts to seek information from this company who has refused to provide any information to me. They are only demanding I send proof to support it being inaccurate. I obviously have no proof if the debt was never mine. 
The company has further stated, they ca n't understand the nature of my dispute. Hopefully this organization can clarify " the debt is not mine ''. 
According to my credit report this company is using deceptive practices by reporting this debt to the credit reporting agency that this is a factoring account. I do n't have any loans that was sold to this company. 
They further are deceptively listing this as an open account and has entries that state I have been late on many occasions. I have never made a payment to this company. This act appears to be refreshing the credit reporting entry only to create harm to my credit score.
OnXX/XX/XXXX, 2017, received by all XXXX credit reporting companies by XX/XX/XXXX, 2017, by land mail ; I wrote a very extensive dispute request to all XXXX  credit reporting agencies ( Trans Union, XXXX and XXXX ) and most of the disputes did not end with a correction in either of my credit reports. Many of the creditors responded in under 15 days according to the credit reporting agencies ( using the XXXX system ). After speaking with a representative from all XXXX credit reporting agencies, they all confirmed that the creditors used the XXXX system to expedite my dispute with creditors and none of them ( credit reporting agencies, Trans Union, XXXX or XXXX ) required the creditors to prove that I had accounts with them, by sending in copies of contracts, agreements or invoices. Instead, the credit reporting agencies used quick reference codes as short as 2 characters to ( respond in about 4 seconds ) say that data on my customer/consumer information is being reported correctly. I had a repossession that I settled, 2 collections accounts I paid off, a credit card that I settled, a bankruptcy application that was on their but not completed. None of these accounts were reporting correctly and in some cases there were different accounts numbers on my credit report that were not the actual account numbers I had under credit. Hence, my bankruptcy request was not approved, so I do n't have a bankruptcy, but the State of Georgia has it on my credit report as a negative account. They show I applied but was not granted and all XXXX bureaus are reporting this as a negative account, hurting my credit and chances at a better life.
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CFPB you got ta help me get this mess off my credit report. I am a 21 year, 2 time XXXX veteran who could not work for years due to my XXXX XXXX XXXX  diagnosed condition. This is what I get for serving my country?
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This clearly violates the CFPB requirement.
I been with a lot of companies, that has used XXXX XXXX XXXX. I been cleared with XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX. They all had used XXXX XXXX XXXX. So I don't understand when XXXX requests a background check, they seems to have me as a XXXX, I have not been a XXXX for almost 20 years, and I hated that job. I was treated unfairly. I never renew my certificate for XXXX because I didn't like it. So my question is, is why does this only happens with XXXX. This cost me a good job. 

Thank you
I was notified in XX/XX/XXXX that I didn't currently have wells Fargo listed on my mortgage insurance. I called in on XX/XX/XXXX roughly at XXXX XXXX XXXX  XXXX to handle this matter. I had a three way call with wells Fargo and XXXX XXXX to resolve this. Both companies said they would take care of this so I thought I was all set. Today XX/XX/XXXX I checked my account and I was billed almost 300 dollars over what my actual mortgage payment was so I called wells Fargo. I spoke with XXXX XXXX and her assistant they told me that I didn't have insurance from XX/XX/XXXX/XX/XX/XXXX with XXXX XXXX. We got on a three way call with XXXX XXXX   they said they never received any payment from wells Fargo so they canceled my policy. Wells Fargo decided they would use their own insurance ( XXXX XXXX XXXX ) cause I didn't have insurance due to them not paying XXXX XXXX. I am just finding this out today cause of the increase in monthly payment. My total premium went from XXXX per year with XXXX to XXXX with XXXX XXXX XXXX. I have been paying the higher premium from XX/XX/XXXX/XX/XX/XXXX to XX/XX/XXXX.
My wife and I went to the bank in BB & T in XXXX XXXX XXXX XXXX PA XXXX Last XX/XX/2018 we went to see if we could increase our line of credit HELOC account from {$80.00} to XXXX after waiting and calling we were approved after couple weeks we got the letter in the mail our HELOC interest rate went up from 4.25 % to 5.99 % .. what they did they close our HELOC account line of credit {$80000.00} without informing us.. and they open a new line of credit wich is 5.99 % .. the only reason that we ask the bank of our HELOC account to increase the amount from {$80000.00} to {$110000.00}
My identity was stolen and multiple account were opened in my name. I reached out to XXXX XXXX XXXX to inform them of this issue but they did not want to remove the account. Instead they sent it to collections. I contacted the collection agency and the collection agency did nothing either.