WillisBack/dataset-financial-user-claim huggingface dataset:
I opened a HSBC Choice checking account in early XXXX of XXXX. HSBC was running a promotion then that they are still running now ( from their offer terms and conditions ) : " HSBC Choice Checking {$200.00} Welcome Deposit : For this offer, New Money33 is required. HSBC reserves the right to change or terminate this offer at its sole discretion. For purposes of determining whether you have maintained the Qualifying Balance for the Welcome Deposit, a New Money average balance will be calculated by averaging the end of day balances of each Business Day throughout the total offer period. 

Your HSBC Choice Checking account must be open and in good standing at time of gift fulfillment. Limit one Welcome Deposit per customer, including all individual and joint accounts - the first line name on the joint account is considered the customer for gift purposes. The Welcome Deposit to your HSBC Choice Checking account will be reported on the applicable IRS form. Eligible customers who take advantage of this offer can not receive any other New Consumer Deposit Offers provided by HSBC Bank USA, N.A. New Consumer Deposit Offers are defined as  incentives in a form of merchandise and/or cash bonus that are offered to customers who open an eligible checking account and satisfy qualifying activities. '' It is now XX/XX/XXXX and I have both maintained a {$1500.00} balance AND a recurring direct deposit from my employer since the account was opened. However, HSBC is refusing to apply the {$200.00} reward. From their customer service agents, I have received 3 different reasons : 1. The first agent said I do qualify, but would have to wait another 4-6 weeks ( this was in XXXX ). 
2. After still not receiving it, the second agent said I did not receive the reward because my balance was only {$250.00}. This agent was looking at my credit card account, not my checking. When I corrected them, they pivoted and said my account would need to be reviewed. 
3. The agent I spoke with today said that I did not receive the reward because I already had a HSBC credit card which disqualified me from the reward. 

Regarding # 3, here are HSBC 's terms on existing customers : " This offer is available only online for applications completed using the Apply now button on this webpage. You must be at least 18 years of age, have a Social Security Number, currently have a U.S. residential address and have had U.S. residency for the past three years to apply for a deposit account online. Customers who held an HSBC consumer deposit or investment account from XX/XX/XXXX through and including XX/XX/XXXX are not eligible for this offer. All qualifying activities must be completed within the stated time frames in order to be eligible for the Welcome Deposit. '' I did not have a deposit or investment account, I had a credit card account. Again, HSBC is changing the rules as they go along to avoid payment of a simple and straightforward new account reward.
Took out a payday loan and paid it off in full in XXXX 2014. I called the company directly after I received the collection call and verified the account was paid off. Someone called today claiming to be from XXXX XXXX firm. Told me theat my account was delinquent and that I needed to pay ~ {$600.00} or there would be legal action. This individual knew my name, email, and social security number. I did not pay anything to this individual and was instructed to call them back today or else risk the legal action.
PMAB has several collections on my credit reports. But I had no idea until I saw my credit report. I never heard of them and do not know anything about these. I do not feel it is legal to simply put bad information on my credit report without contacting me first and allowing me fair chance to agree or disagree, and then if agree to pay it so it does not go on my credit reports
I have been locked out of my GDAX Account ( Coinbase 's trading subsidiary ) for approximately 1.5 months. As many of my virtual currency transactions have occurred on GDAX, I have been unable to file my taxes, as Coinbase has consistently failed to restore access to my account, or to provide me with the transaction records that would enable me to file my taxes. 

On XX/XX/XXXX, I filed a support request with Coinbase ; their response indicated that I should receive resolution within 1 week. Since XX/XX/XXXX I have called twice per week, with no response, other than an email saying my case had been " escalated. '' My taxes are now overdue. All I am requesting is access to my account in order to file taxes. 

Many thanks.
TRIED TO MODIFY LOAN WITH NO RESULTS. 
I'm in foreclosure again and must sell my home. XXXX XXXX  is the beneficary of this 2nd deed of trust with 9 % interest. Is there any assistance from the XXXX XXXX  settlement for homeowners like me to payoff this non - conforming loan?
I am a victim of identity theft and as a result, fraudulent activities were linked to my account listed below with this company. I attached all the relevant documents that this company needs to verify my claims on XXXX.18, but to my surprise these company failed to block/update these fraudulent  account within 3 days as required by law. 
Please note the below account is linked to fraudulent charges please delete asap : XXXX  ac # XXXX please delete this accounts fraudulent charges.
This company is reaging on old debt and making false and illegal statements on my credit report. 

1. Inserted false age as last day of usage on credit report 2. Reporting late payments on current credit report for an account last used any activity in XX/XX/XXXX 3. Has reported late payments for entire year of XX/XX/XXXX on an account that last payment was in XX/XX/XXXX 4. Reported false payments made on account 5. This company never provided legal proof off usage off the account for the the years of XX/XX/XXXX or XX/XX/XXXX ( but is reporting usage ) 6. They state that they will report until XX/XX/XXXX, and account was due to stop reporting XX/XX/XXXX 7. Reporting this false info on XXXX accounts ( original Leander and buyer )
I have repeatedly tried to solve this problem in my own. A XXXX balance continues to be reported to XXXX and XXXX. It was disputed many times. Diversified Consultants says they have submitted updates to XXXX and XXXX that the account has been paid in full. XXXX and XXXX continues report that they have verified XXXX as the correct balance when it is n't.
I recently filed a complaint against,  XXXX   XXXX   XXXX  regarding this same issue. However, the same issue remains with  PNC Merchant Services.      In  XXXX  of  XXXX , I purchase a   XXXX   XXXX   in Florida. As part of the venture, I signed up for merchant services with  PNC Merchant services. As part of the agreement, PNC Merchant Services  would take a percentage of my company 's production that was processed via credit card. Each credit card ( e.g.  XXXX ,  XXXX   XXXX ,  XXXX , etc ) had a different percentage that would be deducted for the amount collected.     In  XXXX   XXXX , my   XXXX   XXXX   went out of business and a settlement agreement was reach with  PNC ba nk to write off the remaining loan balance, as the business was sold at a significant loss. The credit/debit card machine was returned to  XXXX   XXXX  via  USPS  delivery confirmation.  XXXX   XXXX  and  PNC Merchant se rvices were both informed that the dental practice was no longer in business and that all equipment was returned.     The last credit card purchase made at my business was during the first week of  XXXX   XXXX , at which time,  PNC Merchant Services  took their agreed upon percentage. No further transactions were processed at the business, and the credit card terminal was returned. However , PNC Merchant Services  continues to sent me bills for aggregate fees, which I do not owe since I have not used their credit card services since the business closed. Any percentage of   XXXX   is  XXXX . Please help me resolve this issue. Thank you.
RE : Santander Consumer USA - Account # XXXX To Whom It May Concern : I am writing this letter to in regards to my car loan with Santander Consumer USA. I am concerned that when I submit my payments the correct amount is not being applied toward my principal. For example my XXXX payment of XXXX was due XXXX XXXX, XXXX and the payment posted on XXXX/XXXX/XXXX. When reviewing my payment history XXXX was applied toward my Interest and {$31.00} was applied towards my principal. 

Original Loan Amount : {$15000.00} Interest Rate : XXXX Loan Started on XXXX/XXXX/XXXX
The third party collection agency is reporting inaccurate information to each of the credit bureaus ( XXXX, XXXX & XXXX ). This company has re-aged an account listed to reflect a recent collection date of XX/XX/XXXX and continues to report this falsified information even after sending documentation to validate the original date of delinquency XX/XX/XXXX which confirms that the correct information is on file but the company is intentionally re-aging the account. I have disputed this account several times but it keeps being reported. It was originally disputed in XX/XX/XXXX
On equifax they have this address on the report and i never live there XXXX XXXX XXXX XXXX XXXX, MI XXXX And theres a couple hard inquires one of them from XXXX  XXXX XXXX XXXX XXXX   Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XXXX XXXX. 

XXXX XXXX they put a account under investigation and they found out its a fraud and they promise me to remove everythings from the report they remove the account but not the hard inquires And theres another companies XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 




XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XXXX  XXXX. 



XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XXXX XXXX. 




XXXX  XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XXXX XXXX. 


XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XXXX XXXX. 


XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Unspecified. This inquiry is scheduled to continue on record until XXXX  XXXX. 

And as you can see there is two inquires from the same company in one month I only have two credit cards one from XXXX XXXX and one from XXXX thats all the credit i have
I have a previous complaint that was " resolved '' in  XXXX .  Citi h ad put me on a " do not use '' list for appraisers by there mistake. They resolved the complaint by sending me a letter saying " sorry for the miscommunication '' and said all is good now. Except it 's not all good. A company called  XXXX  (  XXXX ,  XXXX   XXXX  is in charge of quality control with   XXXX   ) wont send me any business because they still see my name on the do not use list. Th is Citi error  has now cost me 4 months of business from at least one client that I know of and countless others that I do n't know. I need Citi to update ALL of their " do not use '' lists to remove my name immediately. Also, will be consulting an attorney to see if there is any financial relief that might be available. Hard to make a living with Citi 's " error ''.
I attended a school that was closed down just a couple months after I had signed up. The teacher refused to come to school due to their pay being cut as well leaving us with out a correct attendance.. I have tried to explain to Navient the situation. They mention they were unable to do anything I pushed the matter further and have spoken to many of the higher authority which was just circles after circles. They mention they did n't have any information that I will have to contact department of education. I requested my transcript in which information was incorrect I have never signed any paper to withdraw. I had to go through department of guartuneeship. I was forced to pay the full amount unable to settle I am a single mother that is trying to make a better life for my children and purchase a home the only way I am able to was to pay this off. The customer Service was horriable Navient did not report to my credit for two months making my credit go down. After I contacted them after payment they mention they were unable to see my account!
I submitted a dispute letter through certified mail to ALL XXXX credit reporting agencies along with copies of bank statements. The exact dates occurred on XXXX XXXX, XXXX and XXXX XXXX, XXXX. I received a correspondence within 30 days after submitting the original dispute letters indicating the information was accurate. However, when I spoke with XXXX and XXXX Student Loans almost a year later on XXXX XXXX and XXXX XXXX, XXXX -- they confirmed no investigation took place via XXXX during the XXXX calendar year by ANY of the XXXX major credit bureaus. ALL calls have been recorded and are available on XXXX for public viewing. I have been reported incorrectly as being past due by more than XXXX and 120 days past due with XXXX and XXXX XXXX XXXX. The Credit Bureaus including XXXX, XXXX, and TransUnion are in violation of the FCRA.
I did not authorize this company to check my credit. I do not have any agreements with them so the inquiry on my report needs to be remove. They are saying someone else requested but it was a pull from there company. Please remove immediately
I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
XXXX {$410.00} OPENED XX/XX/2016 XXXX {$160.00} OPENED XX/XX/2016 Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed up top. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
My information/data was stolen from Equifax during their large security breach in 2017. I am filing this complaint to report the theft. I believe Equifax did not take the proper security measures to safeguard my data.
I obtained a copy of my credit reports and discovered an account under XXXX XXXX pertaining to a collection. I sent my first letter ( XXXX/XXXX/XXXX ) disputing this account and also requesting validation. They responded but did not provide a valid signature. I sent another letter on ( XXXX/XXXX/XXXX ) again requesting validation, however ; again they responded but without a valid signature. According to federal law, XXXX XXXX XXXX is required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which they did not. I also requested validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. The company sent me some papers showing my name typed in, which is not a signature. Anyone can type a name, so please send me proof of a signature that shows validation. 

I have retained a copy of their signature and date of receipts, as well as time-stamped copies of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. The listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. Additionally, they have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 

I am maintaining a careful record of my communications with them for the purpose of filing a complaint with the FTC and the Attorney Generals office, should they continue in their non-compliance of federal laws under the Fair Credit Reporting Act. 

I further remind them that they may be liable for their willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
On XXXX XXXX, XXXX, per my XXXX XXXX statement, Discover Card hit/posted my account ( ending in XXXX ) with a charge of {$230.00} from XXXX Car Rental, which I did not make, and submitted/attempted 7 times by the vendor and Declined 7 times by Discover because it had been attempted on a prior account ( ending in XXXX ) which had been cancelled in XXXX for reasons of Fraud. Nevertheless, eventually, Discover accepted the current charge to account XXXX from the vendor, paid the vendor, transferred the charge to XXXX closed Discover account XXXX to active Discover account XXXX and is now trying to collect it from me saying the vendor 'pushed ' it through even though they ( Discover ) declined it repeatedly. How can this possibly be? ... or even be allowed? The frustration I have gone through with Discover is beyond belief, not accepting responsibility for what happened. Discover should be reprimanded in the harshest way for a system that is allowing such a financial transaction being fraudulently passed on to a Consumer and on an Account they know is not responsible.
Dear Director Of Operations, After talking several times to the customer service department they failed to correct my concerns! One they failed to add a authorized user to my account. Two seem not to be able to credit payment properly to the account that currently has a XXXX balance after two payments posted. Three have a freeze on the account after they have been provided proof of said payment and processes. Please  have someone correct these issues and complete the update to the account immediately. CPA has verified all has properly been done on my end as a card-holder per the agreement provided upon enrolling with this bank. If, they can't proceed to complete these simple requests very fast close the account.
The rude collector emailed me twice and then called saying they were going to inform XXXX XXXX XXXX to issue a felony arrest since I did not pay back a payday loan. The payday loan they said I took out was apparently XXXX of 2015 and I did not take a payday loan out and the address associated with the loan is not mine and the job title I supposedly said I did is not me either. The rude lady would not give me any more details or help me on what to do she said I needed to pay it or I would get arrested and the judge would be mean and nasty and make me pay it anyway even if I did not actually take out the loan.
There is no way I can pay this bill off when every time I make a payment they turn around and charge outrageous interest charges. My bill payment fluctuates from month to month, so I never know what I will have to pay until I get notice through my statement. I have never missed a payment and it's a complete struggle to make these payments and never get ahead, There have even been times when I've made the requested payment and then, after receiving my payment they will charge so much interest that it takes my account over the limit. Outrageous.
To whom this may concern, On XXXX XXXX, 2017 I filed a dispute online through TransUnion online dispute center via XXXX XXXXXXXX XXXX website. The dispute is due to an account from XXXX XXXX XXXX in the amount of {$860.00} that is on my credit report that i did not authorize. They gave me a Estimated completion date of XXXX XXXX, 2017. However, it has been well over 30 days since my initial dispute. I am in the process of building credit and this account is damaging to my credit health. Furthermore, this is a violation of the Fair Credit Reporting Act.
I respectfully request the XXXX XXXX to order and approve my application for reconsideration. please see attachment for complaint submitted for references and score references. Thank you for your cooperation and understanding. Sincerely yours, XXXX XXXX
I have multiple hard inquiries on my Transunion credit report that I did not authorize. Hard inquiries from the following companies and dates : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX & XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX & XX/XX/XXXX. I have contacted Transunion on several occassions for assistance with the removal of these inquiries, last of those attempts being today. I have also contacted the companies reporting these inquiries and have been told they have no record or to contact Transunion because they are reporting. Today I spoke with XXXX XXXX and was told " Transunion only maintains credit report hard inquiries and are a statement of FACT. The creditors have accessed my file ststing they have permissable purpose to do so ''. How is this factual when I the consumer state I DID NOT AUTHORIZE THEM. My back is to the wall at this point, I am only one person and can not seem to get assistance. I have contacted Transunion XXXX XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX.
Constant calls 7 days a week, early morning, late night. I paid the debt in full after being told it would be marked as paid in full and removed from my credit report. It wasnt, only after i realized a collector cant remove or alter whats been reported to the credit report. Even after the payment was made in full ( 2 months after ) i received calls asking to make a payment.
Good Afternoon, I am filing a complaint on Alpha Recover Corp for contacting me illegally pertaining to my siblings debt. They called me this afternoon, at work, telling me that it would be in my siblings best interest if I provided them information of where my sibling was. They have been contacting my sibling so they already had my siblings information. I then asked followup questions and they provided me their companies name ( https : //www.alpharecoverycorp.com/ ). It 's clear from their website that they are a debt collection agency. 

My main complaint is a concern of how they received my personal cell phone number. It is unclear how they got it and I 'm deeply concerned of how they are obtaining other family members information. I confirmed with my parents that they were also called. So they are working down some sort of a list that they did not get permission to have from the actual individual being contacted. 

Debt collectors have legal requirements to meet and after reviewing I believe that this company is acting outside of those bounds.