WillisBack/dataset-financial-user-claim huggingface dataset:
My credit score according to XXXX, is XXXX. I applied for a pre-approval to US Bank on XX/XX/XXXX. They obtained my credit report on XX/XX/XXXX. On XX/XX/XXXX, I contacted them to inquire as to the status. 

They requested to contact the dealer and ID the car, both of which I happily orchestrated. I told them I need an answer, as they advertise " approval in minutes '' and I am losing the option to buy this particular auto. After requesting further documentation, I angrily told them in no uncertain terms I would NOT do business with them. 

They were aware of the XXXX value of the auto I was purchasing, the XXXX I was putting down on the purchase, and aware of my credit score. According to the subsequent institution I obtained the loan with, they confirmed that it was " highly unnecessary '' to request or obtain any further documentation regarding the loan than I had disclosed to USBank. It 's their right to refuse my loan based on logistical parameters, however, this was blatant discrimination. 

My complaint however, is not about discrimination, although I am absolutely sure this was a personal discriminatory decision from a representative of UBank. 

My complaint is that this institution, or someone within it, deliberately, with malice and obtained a second credit report on XX/XX/XXXX, 3 to 4 days AFTER I told them to cancel the application, and that I had " no intention '' of ever doing business with USBank, and that I was in fact going to close my account which is held by them. 
I have proof of this VIA my XXXX Credit account, which alerts me to all activity concerning my credit, including any request to obtain said report. 

I have uploaded a screen shot of the proof of obtainment from USbank on XX/XX/XXXX ( valid ) and XX/XX/XXXX ( Malicious and illegal ). 

Access to the actual account where this proof resides may be obtained from me, to verify and validate the screen shot I have attached. 

I find it revolting that a personal grudge largely stemming from the unethical, capricious and arbitrary actions of those involved, later utilize their position to illegally and without due cause or authority, to take personal action in hopes of one can only deduce, to create a deleterious outcome for me, the consumer.
I would like you to stop banks which are supported and subsidized by the government from discriminating against certain companies and citizens safely and legally producing, selling, and using legal products. 

Recently both XXXX XXXX  and Bank of America have announced that they will no longer loan to manufacturers or dealers of certain types of firearms. They are taking the position that banks can decide what the people of the US can purchase and use ( since if no one manufactures or sells these items, no one can purchase or use them ). These banks should have no right to discriminate against lawful activities carried on by millions of Americans. That is especially true since the banks are chartered, regulated, supported, and subsidized by the American government and the American people. Without this support, banks would be much smaller, make much less money, and not have the power they have. These bank actions are in fact little different than if the banks discriminated in mortgage practices, car loans, etc. 

Federally supported banks should not be able to discriminate against lawful practices by American citizens. 

I have discussed this issue with representatives of both XXXX and Bank of America and they were not interested in my concerns.
On XX/XX/XXXX, I opened a XXXX Platinum card from American Express ( Amex ) with a welcome bonus of 60,000 Membership Rewards points after spending {$5000.00} in 90 days. I met the spending requirement within the first 50 days ( probably sooner ) after I received the card, but the bonus did not show up on my account. Therefore, I double checked with an Amex customer representative ( CR ) online and I was confirmed that the welcome bonus was attached to my account and I have met the spending requirement ( see attached screen shots ). 
A few days ago, I spoke to an Amex CR again as I still did not see the bonus being posted and I was told that I should have the points when I got my 3rd statement. However, after I received my 3rd statement, I still did not received the 60,000-points bonus. Thus, I called an Amex CR again about the same question, and then I was given a totally different story, saying that I was not qualified for the bonus because I had a similar product before. The product being referred to is Platinum card but not XXXX XXXX card. In addition, when I applied for the card I did not get the information and most importantly I confirmed with the representative that I had the welcome bonus and I would get the bonus. 

In short, 1 ) the spending requirement has been met within the required period ; 2 ) Amex confirmed me previously that I would received the bonus ; 3 ) Amex denied the bonus later when I called back.

I think this is very unfair to me. If Amex does not want to give me the bonus, they should inform me earlier or when I applied for the card or at least when I asked to confirm if I would get the bonus or not. This is a high-end product from Amex and the service is simply under my expectation. The whole experience is not what I'd expect from American Express.
Charged fees in excess of allowable XXXX non-judicial foreclosure fees of {$1500.00}. Did not repsond to mediation request or verify with lender that information was correct. Wrote wrong borrowers names on Notice of Default and failed to respond when notified.
I have disputed account listed below that does not belong to me and Experian, XXXX and XXXX XXXX XXXX, XXXX, reporting XXXX, XXXX, opened XX/XX/XXXX XXXX XXXX, XXXX, reporting XXXX, XXXX, opened XX/XX/XXXX XXXX XXXX, XXXX, reporting XXXX, XXXX, opened XX/XX/XXXX XXXX XXXXXXXX XXXX, opened XX/XX/XXXX XXXX XXXX XXXX, opened XX/XX/XXXXXXXX XXXX XXXX, reporting XXXXXXXX XXXX XXXXXXXX XXXX, opened XX/XX/XXXX XXXX XXXX, opened XX/XX/XXXX
XXXX XXXX XXXX mortgage company select portfolio servinging. Acct # XXXX On XX/XX/XXXX we appointed a new insurance agent for our home insurance policy. The agent informed us that we were not given the correct policy for our home from the prior agent. We were under covered by the company. We decided to go with the new account, As you probably know in XXXX Florida you must get a re inspection of the policy in order to update the policy. We went ahead and renewed our policy. Select portfolio is now stating that we must pay an {$300.00} for lapse of insurance. We never had a lapse it takes the new company to send inspection and must go through underwriting to create the new policy. During this course they was no damages to the property and we have all the forwarding information and conversions with the new agent. I feel its completely unfair for this company to now want to send me delinquent letter bill stating we owe them XXXX when the house is insured. We do not have an escrow account with our mortgage company. Once again I fell its a tactic for them to continue to charge bogus amounts to there client. We have had continuous problems with them and they continue to hassle home owners. we tried resolving the issue with them over the phone and to no help. Now we received a certified letter about this XXXX bill. 

Please if there is anyway we can help us to resolve this matter. 

our insurance policy is through citizen
I tried to open an online saving account in XXXX XXXX 2017 and XXXX XXXX 2017 with CIT bank ( online ), but they rejected my application without a legit reason. I feel really offended and discriminated during the process. First time ever to have the issue with opening a saving account
Wells Fargo charged me six overdraft fees in one day, at {$35.00} per transaction for transfers between account and three withdrawals that had shown on the ledger 3-5 days prior, with a remaining balance. {$210.00} is excessive and more than half of my weekly paycheck to a company for allowing transfers, etc.
On XX/XX/2019 I previously filed a complaint with the XXXX ( see attached ). On XXXX.XX/XX/2019, I received a response from each of the Credit Reporting bureaus indicating that they had verified the Public Record, however they did not verify the record with the source of the Public Record. Rather, they indicated that they verified the record using a, unrelated 3rd party, such as XXXX. 

I find this impossible, as I have previously provided them a letter from XXXX indicating that this Public Record had been removed from their file more than a year ago. 

On XX/XX/2019 I sent the a Certified Letter ( See Attached ) to each reporting agency providing complete detail that I do not believe their method for verification complies with FCRA 611 ( a ) ( 6 ) ( B ( iii ). Included in this letter is a duplicate copy of the letter from XXXX confirming that no such record exists in their files. 

I further requested that they actually verify the Public Record with the USBK COURT XXXX FLORIDA as that who they claim to be reporting the record. As provided in FCRA 611 ( a ) ( 6 ) ( B ( iii ), I asked them to provide : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

If they are unable to verify this record DIRECTLY with the Creditor they claim as the reporting party, I demand that they immediately removed this record from my file. If they again claim to have verified the public record, I insist that it not be with any unrelated 3rd parties and that they provide the details of the verification as described above
Equifax, a financial data collection service, whom I never gave permission to collect my data, failed to keep that data safe, and has compromised 150 million people 's personal information, including my own. Furthermore, the FREE protection that they have provided in the aftermath of this nightmare, does not go far enough to protect those affected, forcing us to pay for a more secure protection service. How can these people be allowed to collect our data without our permission and then not have enough security in place to protect us. This is unacceptable!!
I rented a apartment from XXXX which required the tenants to use their power & water XXXX XXXX. The original lease agreement states that all bills to XXXX must be satisfied in order to close out the lease for the apartment. I closed out all my bills and did a final walk thru with no worries. Several months later I received a call from National Credit Systems INC saying I owed XXXX XXXX. This is a total scam. My balances have been closed out but these crooks keep trying to say I owe money. I have been dealing with this for years. these people are crooks and are tied into the scam with the apartment complex which does n't even exist anymore.
Merchants called me in order to settle a collection account that was referred to them from my medical provider. When they called, they refer to themselves as a CREDIT BUREAU. As far as I know there are only XXXX national credit bureaus ( XXXX, XXXX, XXXX and XXXX ). When I questioned them about who they really are, they insisted that they are a credit bureau when in fact they are a credit collection agency. Their name is misleading and so is their representation to people they speak to. They try to intimidate me even when I kept questioning them. I believe they are fraudulently mis-representing themselves to the public in order to get clients to pay their debt.
I have a mortgage on property at XXXX XXXX XXXX XXXX, XXXX XXXX, La. since XXXX and the mortgage have been transferred about six times or more. I am now assigned to Vanderbilt Mortgage and Finance Co. also XXXX XXXX it was a 80 to 20 loan. I filed a bankruptcy on XXXX XXXX, XXXX and payments was collected monthly in the bankruptcy payment plan and I paid XXXX each month.I have proof that the payments was paid. My attorney XXXX XXXX advised me to asked Vanderbilt for a modification and I did send the paper work in, I got out of bankruptcy in XXXX XXXX and continued to make my payments even now. I received a card from the Sheriff in my door. I would like to save my home but they told me I would have to pay {$6000.00} to bring my account current. I still pay XXXX XXXX each month. I would like you to investigate the payments I was told that when I got out of bankruptcy the money owed would have to be paid to bring the account up to date. I would like you to investigate .and remove this complaint from the better bureau from my record. My daughter is with me and I have more income to help me pay my morgtage she help with all my bills and that is why I asked for a modification loan and was declined or pay XXXX to catch up.
I do not believe Navient is amortizing the payments correctly. I 've been paying for over 2 years and my principal balance has only gone down about {$1100.00} and I pay {$50.00} per month extra
I had student loans starting from XX/XX/XXXX. Once it was time to start paying I called us doe, was told XXXX XXXX had my loans. Called XXXX XXXX and they informed me Navient had them. Navient was adamant they did not. Spent 2 years you g back and forth looking for my loans. I gave up. Fast forward to XX/XX/XXXX XXXX XXXX tells me that NAVIENT sold my loans to them. Too late, they had been in default for a while. I had to rehab them. Meanwhile my credit score drops severely. I pay XXXX XXXX for 10 months only to find out they got transferred BACK to Navient!! I do n't want to deal with these people and have to worry about if they 're going to do me dirty again. I should have never been in this situation to begin with. Navient lied to me about not having my loans when they did and it hurt me since I was not able to make my payments. What can I do??
This bill is 9 years old and was written off. Midland picked up an old bill and is listing it as new. There has to be a law to stop something like this. Is n't it illegal?
In XX/XX/2018 XXXX XXXX XXXX appeared on my credit report for {$81000.00}. This is not my student loan. Equifax refuses to verify the account and send me proof, provide me with a valid phone number or address for this company and they refuse to remove it. If Equifax will not provide me proof that the account is mine or supply me with a valid phone number or contact information ... .how can they hold me liable for this account? I have been told by Equifax employees to XXXX the company. If this complaint doesnt work I am going to hire and attorney and sue Equifax. Not only for this situation but all of the erroneously reporting they have done on my credit that has caused my credit to suffer immensely. This is a violation of my rights and fair credit reporting. They are required by LAW to provide me with proof this account is mine and contact information.
On XXXX XXXX, XXXX I pulled my credit report form XXXX and noticed that Clarity Services have pulled my credit file without my permission and on be half of lenders I did n't apply to. These or hard hit inquires that will remain on my credit file for two years. Dates or as follows : XXXX XXXX, XXXX, twice XXXX XXXX. I opt-out on XXXX XXXX, XXXX from any and all promotional companies to review my file. 
Show less Account name CLARITY SERVICES INC Date of request XXXX/XXXX/XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Address identification number XXXX Comments Line of credit on behalf of XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XXXX XXXX. 
Show less Account name CLARITY SERVICES INC Date of request XXXX/XXXX/XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Address identification number XXXX Comments Line of credit on behalf of XXXX ( XXXX XXXX. This inquiry is scheduled to continue on record until XXXX XXXX Show less Account name CLARITY SERVICES INC Date of request XXXX/XXXX/XXXX Address identification number XXXX Comments Line of credit on behalf of XXXX ( XXXX. This inquiry is scheduled to continue on record until XXXX XXXX.
Westlake bank put my payments on pause and after dispute. The company went forwards and put me back on active payments to avoid taxes for the Internal Revenue Service!
Account with ATT/Citbank Universal Card. I disputed receipt of statement but paid without but it was a few days late. They took away the promotional rate of 7.99 to 29.99 accessed fees. Despite all my attempts and payments to resolve this, they gave to attorney. I made agreement and paid the amount. My account was to be marked as closed/ paid. Attorney still filed judgement, but court also found that it was satisfied and paid. Citibank charged off " after '' I paid the agreed amount and is still trying to show it as an open balance. The account should show nothing owed. In the judgement they tried to say i received all statements and I never disputed. But all that was sent to me with each letter was a generic message that i was not entitled to a promotional amount. The judgement also had the court paying me back money. I just want my credit reports to show this is closed/paid. It should not be charged off and with a balance. Filed to have judgement vacated.
Credit Management XXXX, has made repeated telephone attempts to collect a + {$200.00} debt on behalf of XXXX. The problem with their story is that XXXX auto debits my bill, and when I called XXXX, they said they never heard of Credit Management. 
The only other scenario I can imagine is that someone has stolen my identity, despite having a bank supplied identity protection service.
XXXX County Tax Lien showing on my Equifax Credit Report should be removed as it was filed in error over six years ago. I have submitted several times a copy of the Satisfaction of Lien from XXXX XXXX yet Equifax continues to report this incorrect information.
I manually changed the monthly payment amount for my Capital One credit card to {$1200.00}. The next day Capital One charged me for the amount I changed my monthly payment to and then also charged me again for the entire balance on my credit card {$1500.00}. I called Capital One the next day as soon as I noticed that I had been charged twice. The payment was made on the XXXX of XXXX and I called them on the XXXX of XXXX. I also checked with my bank account with XXXX XXXX  from which the funds were supposed to be drawn from, and they had no information about the transaction, and so the funds had not been withdrawn from my bank account yet. I called and spoke with XXXX Bank wh told me that Capital one should be able to cancel the transaction since the transactions had not posted on their end.I had a three way call with Capital One and XXXX XXXX. When I spoke to Capital One they informed me that the transaction had been posted to my account on their end and they hadn't receive the funds yet. The transaction had posted to my account less than 24 hours after the due date, even through every other transaction takes 2-5 business days. Capital One told me that they could not reverse the charges and told me that the only option I had to reverse the double charge was to put a stop payment in with XXXX XXXX account. XXXX XXXX was not able to do this as it would take 2-3 business days to cancel the payment, which by then the payment would have gone through on their end. So Capital One was not able to offer me any solutions for dealing with a double charge. Their systems were flawed in that they allowed for two payments to be made on the same day without having raised any questions. Their inconsistent practices with the time that it takes to process transactions created an unfair situation where I did not have enough time to adequately deal with an accidental double charge to my account. The speed at which Capital One processed the transactions prevented me from having enough time to put a stop payment in pace with XXXX XXXX. Furthermore their inability to offer any feasible options for resolving the issue is predatory as it forced me to pay they funds which I did not have at the time, and then pay them more money for late fees.
OnXX/XX/XXXX I submitted my recertification for an income based repayment. I uploaded the required documents through the official FedLoan website. A week later, it was denied. When I called back, the representative explained that on their end, reviewing the documents and requirements, there was no reason for a denial. 
The representative stated that they were re-submitting my documents again and attaching a note verifying the documents were complete. Therefore, as this is time sensitive ( due date for accepted recertification is XX/XX/XXXX ), that it should be expedited. 
Called again todayXX/XX/XXXX, and was told no notes or expedited requests could be placed on re-submitting a recertification request. Then, customer service tried to blame me for the denial of my request, even after reviewing the documents I submitted were in fact the documents needed to obtain the recertification. 
I had similar issues with FedLoan Servicing in XX/XX/XXXX, and again this year in XX/XX/XXXX 
A student loan servicer is required to service my student loan. Therefore, when I submit the correct documentation to recertify my income based repayment, and I recieve a denial every year, usually creating a situation where I pay a large sum of money for two months while FedLoan fixes their mistakes ; they are in violation of the agreement and contract they signed with the federal government to service my loan.
I have been trying to get Equifax to report correctly. They sent me a letter stating it 's been taken care of, but it 's still reporting the same -- that the amount is owed. XXXX has not corrected it as well, I 've been trying to deal with this issue for over a year and it is still not resolved.
I have contacted LexisNexis about a bankruptcy appearing on my credit report from XX/XX/2010. I asked the rep at LexisNexis how they verified this account as accurate, and he stated that they obtain their information from public records and sell it to the 3 bureaus ; XXXX, XXXX, and XXXX for profit. Under the FCRA laws, LexisNexis MUST obtain their information DIRECTLY from the ORIGINAL CREDITOR of the account, or it should be deleted from my credit report immediately. As you can plainly see in this letter which I have included from the United States Bankruptcy Court in XXXX, ND, the Clerk of Court states that " The Court does not send this information directly to these entities. '' If LexisNexis is not verifying this account information with the ORIGINAL CREDITOR, they are in violation of FCRA laws, and this bankruptcy should be deleted from their records and from my credit report immediately.