WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX of 2017 I received a hard inquiry from XXXX XXXX XXXX, which I did not authorize. I DID not request to obtain directly or through third party any loan or line of credit or charge card from XXXX in connection with this request.
I am living in  XXXX  working and working in  XXXX , and have been accepted to  XXXX  's  XXXX  business s chool ( to start in  XX/XX/XXXX r ). I h ave applied for a loan and have received a loan offer, but  XXXX   XXXX  requires an Experian credit report. I have tried repeatedly to access my report, but each time I get locked out and get an error message. I 've spent nea rly three h ours on the phone over the last couple of weeks with the customer service and disputes departments, but I 've not been able to resolve my issue. I 'm not sure whether it 's because I 'm abroad or something else that happened when I tried to access my report ( the internet is n't always the most reliable ), but I really need this credit report so I can pay for my education.
Credit acceptance- {$8800.00}. XXXX XXXX {$570.00}. XXXX XXXX XXXX- {$1100.00}. XXXX  XXXX XXXX- {$780.00} and hard inquiries i tryed contacting them no response.
I opened the accounts with Chase Bank in XX/XX/XXXX, in Arizona. I used the accounts regularly until XX/XX/XXXX, when my access to the account was denied. There was a list of phone numbers to call for assistance. I was told they had placed a freeze on the accounts, someone with a foreign instrument had tried to access the accounts, but they were OK, they had been trying to get the account numbers. Two days later after having to get a new E-mail address and password I was able a access my account. The last transaction I made was two deposits {$400.00} and {$130.00} online, they do n't have any branches it Hawaii where I was vacationing at my sons home. 
As I looked at my accounts I saw my deposits XX/XX/XXXX. The balance on the savings account was {$23000.00} the checking account {$2200.00}. 
Then there were 8 transfers from my savings to other accounts ; none of them were mine. 
3 to other Chase accounts, 4 to XXXX XXXX accounts, 1 to  XXXX XXXX account {$22000.00} had been transferred. My new savings balance was {$470.00}. When telling the Chase rep. the account went blank on my computer, they froze the accounts again. 
XX/XX/XXXX, They issued a check {$2600.00}, XX/XX/XXXX a check {$18000.00}, XX/XX/XXXX a check {$2100.00}, XX/XX/XXXX a check {$0.00}. That is {$23000.00}. {$25000.00} was missing. I 'm still short {$1700.00}. XX/XX/XXXX. I was told by a Chase claims Rep.that account was settled. I 've been since XX/XX/XXXX to get a printed statement. They say to go to my local Chase branch and get one. That is a 10 hr. round trip airline fare. I think they could do better than that. With the last check they sent a closing summary for checking and savings, dated XX/XX/XXXX to XX/XX/XXXX. I need XX/XX/XXXX to XX/XX/XXXX.
On XX/XX/XXXX, I called Condor Securitization Trust ( formerly known as Condor Capital Corp ) to request a Paid in Full Letter. First the representative said my account was bought by XXXX and to call them. I immediately called XXXX which advised me that they did n't have my account. They looked me up by my SS # and Phone # and no luck. I called back to Condor and then i was told they had to request the Paid in Full Letter which will take 24-48 hours to receive. On XX/XX/XXXX, I called Condor again and this time I had Condor and XXXX on the phone. XXXX, again told me they do n't have my file. XXXX hung up and I was alone on the phone with XXXX ( Condor Representative ) which he told me the account was written off XXXX for XXXX cent and they received my last payment in XX/XX/XXXX. I beginning to explain to him that you only write off an account when the person who owes you money is not going to pay. I mentioned to him I paid the account in full and your company sent me an refund check so why would you write if off. I asked for a manager but then he put me on with a supervisor name XXXX XXXX. I went over the same conversation i had with the other XXXX. XXXX XXXX, said the Manager was in a meeting and that he will get back to me in 24-48 hours. XXXX XXXX also explain to me there 's nothing they can do since the file was sent to XXXX in XXXX. I told him why would a file be sent over to XXXX in XXXX a year after i paid it off. He said his system ca n't pull a transaction history or give me a Paid in Full letter since they do n't have the file anymore. I explained to him I 'm so confused because clearly I made all my payments and you guys are pulling a scam. He said i 'll send your file to upper Management and they will call you 24-48 hours. I called DMV which told me the title still had a lein on it. On XX/XX/XXXX, I called again to speak to a Manager and no luck again. I did speak with another representative which told me my account had a XXXX cent balance but it was waived but a Manager will call me in 24-48 hours.
On XXXX/2017 I was approved by someone selling an " investment opportunity '' this ended up being a Pyramid Scheme, they used the name " XXXX XXXX '' they charged my Debit Card at Wells Fargo for over {$3000.00} total and then disappeared, they had promised to pay me {$150.00} weekly XXXX {$620.00} a month ) for 12 months and after they charged my debt card, they disappeared, they disconnected their phone and never heard back from them again. I tried filing a claim with Wells Fargo and they wont do it, they said that because I gave him my card I made them an " authorized user '' of my card, so they wont even attempt to recover the money, meanwhile this company is out there probably with another name scamming people our of their hard earned money
Good Morning, I faxed 3 letters to LVNV FUNDING , LLC XXXX, SC XXXX regarding a XXXX Account Number XXXX ... .. It is not my Card ... ..I have asked them to remove it from my credit report.
Hello my name is XXXX XXXX. I am a senior citizen. I do n't recall ever applying for any credit accounts. I recently pulled my credit and noticed several errors on my credit profile. I have not authorized anyone to apply for any new credit for more than 20 years. I 've contacted the following three bureau ( XXXX, Experian, XXXX ) to inform them that I have several errors on my credit report. I 've contacted all three bureau 90 days ago to resolve this matter but it seem that this matter is n't important. I 've mailed off certified letters, police report and more. My lawyer will be sending you a letter concerning a civil lawsuit. 1. XXXX 2. Experian 3. XXXX 4. XXXX 5. XXXX XXXX 6. XXXX XXXX
This company continues to call and leave messages after I 've told them I do n't have the money. Calls my job anonymous after told not to call me at work also made a in person at my job on   XXXX   XXXX   XXXX
XXXX Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -1 XXXX XXXX XXXX  -2 XXXX XXXX XXXX -3 XXXX   Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
XXXX This is the complaints against American Express XXXX XXXX XXXX XXXX credit card. I closed my account and canceled the credit card on XXXX. I cleared all the debts and they agreed to close my account. 
Then I got payment reminder from XXXX in XXXX for some unpaid balance. I called them to inquire about it and they fixed the issue and confirmed they will close the account. It happened again in XXXX, XXXX, XXXX, XXXX, XXXX of XXXX. I had to call XXXX all these months and spent lot of time talking to Representatives. In XXXX XXXX it happened again, then I called and clearly told XXXX reps that I will file complaints and shall my lawyers include in this matter. They fixed the issue in XXXX over the phone and confirmed it will not happen again. I still receive an Emails and Mails regarding unsettled balance again from XXXX, XXXX, XXXX, XXXX and XXXX. Now I am receiving an Mail from XXXX XXXX XXXX to pay the debts which I do not own at all. Now my credit score is getting affected. who is responsible for this? 
It is very disturbing for me. how many times I should settle this issue with them? it is total harassment and mental stress to keep calling XXXX for same issue again and again. I do not have time for all of this every month and I already wasted enough time this year for same issue. It is very frustrating that they do not take critical steps for this kind of situation Attached one PDF regarding XXXX payment reminder recently.
My spouse had to change her number because these people kept calling at odd times to ask about some address in Texas that I never lived at!!!!! We do n't have no {$400.00} to pay them. We 're on a fixed income as it is, and these people just do n't leave well enough alone!
The office of the Attorney general 's office is reporting i owe back child support in the amount of {$12000.00} since XX/XX/XXXX and i have had custody of my XXXX year old daughter since XX/XX/XXXX .I have tried  multiple times over the phone and visiting the local office and still they refuse to remove it from my credit report.I am having a difficult time getting hired by XXXX XXXX XXXX as well due to the high amount being reported being over the allowable limit of {$1000.00} in colloection 's by there company.So i am still unemployed pending this, and it has knocked my credit score down over 60 points also .I contacted Transunion and XXXX to dispute it as well and still have n't had luck through them either. My custody is pending a court order to finalize via the court 's, i would like assistance now to have it removed and i have over 13,000 dollars on hold for me since it 's being taken out of my child support weekly still. Thank You, XXXX XXXX
As of XXXX XXXX, XXXX, AFNI , Inc has failed to remove their Collection Claim Repor to Credit Reporting Agencies for my disputed and expired XXXX XXXX, XXXX XXXX Bill of {$220.00}. 

AFNI 's Claim ( Account # : XXXX ) expired XXXX under California Statue of Limitations XXXX XXXX & XXXX ( commencement of action within four years upon any contract ) AFNI , Inc 's Debt Verification : XXXX XXXX, XXXX XXXX XXXX Account Number XXXX '' Amount Due '' / " Quick Bill Summay ''
These inquiries were posted, and unknown to me, on my credit report : EQUIFAX XXXX XXXX, XX/XX/XXXX. XXXX XXXX XXXX, XX/XX/XXXX. XXXX/XXXX, XX/XX/XXXX. EQUIFAX XXXX XXXX, XX/XX/XXXX. XXXX XXXX, XX/XX/XXXX.
Pulled my credit reports and saw inaccurate information on them i then wrote the collector and told them the debt was not mines it was a chargeoff in which i havent had any buisness with this company the bill was suppose to be an XXXX bill who was the original creditor i informed them that it was unlawful for them to put inaccurate info on my credit report without my knowledge. i told them i do not consent and i can sue them under the FDCRA and to delete the inaccurate information
XXXX was grossly negligent in the handling of their consumer data resulting in the leak of my personal information. In order to protect my wife and myself we will need to pay {$60.00} total to freeze our credit reports. In the next two years we plan on finding a place to rent then buying a house. This will cost us {$120.00} a time to thaw then refreeze our credit reports ( not to mention any other new bank account/insurance/or loan ) just so we have the illusion of financial safety. I do not believe that any of the credit bureaus should be able to profit from being grossly negligent.
I wrote to Chrysler Capital about an account that had shown up on my credit report when I was denied a mortgage loan acct # XXXX. I then sent a certified letter stating I want validation that this was my account I never owned a vehicle with them. They sent me paperwork stating that I was the co-signer of. However, they violated the Fair Credit Reporting Act, Section623 ( a ) ( 3 ) by not placing the disclosure within the required 30 day period. I then sent a XXXX letter stating the following above I have not received a response, but they have marked this account as disputed on my credit report.
The Company in question is XXXX XXXX XXXXwho garnished {$180.00} from each of my weekly payroll. They claim until the amount of {$3000.00} is paid for judgement against me in XX/XX/XXXX for a debt bought from Santander for a delinquent auto lien on a repossessed vehicle. The garnishment took place on the payroll of XX/XX/XXXX and the XX/XX/XXXX. The problem is this debt was legally settled through another collection agency XXXX XXXX & XXXX on XX/XX/XXXX. I was contacted on XX/XX/XXXX by my parents that XXXX XXXX & XXXX called in reference the delinquent auto account from Santander. The reference number is XXXX and account # XXXX. They advised it was a attempt to collect a debt from Santander and gave me three options to settle. The settlement options I believe were a 12 month payoff of {$5000.00}, a XXXX payoff for 6 months, or to pay off immmediately for {$1000.00}. I agreed to settle for {$1000.00} and under contract they gave me until the XX/XX/XXXX to pay it in full. On the XX/XX/XXXX I noticed I was garnished for {$180.00} by another agency XXXX XXXX XX/XX/XXXXin referecnce the same debt. I was furious and notified XXXX XXXX $ XXXX in referecnce the garnish and they stated that Santander have used another creditor in addition to them. I said that breaches our contracted agreement and asked will this end the garnishment that came after we agreed to settle. I was advised it takes 60 days before it clears through all the credit bureas so I paid {$820.00} which they agreed upon due to the {$180.00} garnishment applied for the same debt. Even after paying I was garnished again on the XX/XX/XXXX so I tracked down the contact for XXXX XXXX XXXX XXXX XXXX and XXXX. He is claiming the two firms do not know each other and he will not accept the letter of settlement I sent him, because he owns the delinquent account bough from Santander. XXXX XXXX XXXX claim the same account and instead of garnishment opted for settlement. Somone is a fraud but both to have claim legal right to the account. I am now being garnished for the settled debt by XXXX XXXX. Now XXXX XXXX is rollingback on the settlement and refunding the money but I am still being garnished by XXXX. I am not at fault here I paid the debt under legal terms. Both claim ownership on their own terms, but stated to be lawful. I am caught in between for a debt contracturally settled. XXXX XXXX and XXXX have grievance against Santander for double selling the debt contract not with me. I did not agree to accept a refund for this legally settled debt, I am no longer liable. I need XXXX to cease garnishment and pursue Santander or XXXX XXXX for settlement. I am not paying twice for the same account and XXXX now is trying to charge me more than what I had already settled for. 

Contacts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX Case # XXXX XXXX XXXX XXXX XXXX & XXXX XXXX   ext. XXXX XXXX
I sent a letter to EQUIFAX disputing the credit reporting on the following items on XXXX XXXX, 2016 which they received on XXXX XXXX, 2016 ( USPS TRACKING : XXXX XXXX XXXX XXXX XXXX ) : XXXX - XXXX 90 LATE PAYMENT STATUSES IN XXXX AND XXXX on all XXXX accounts with XXXX. 
XXXX - XXXX 30 DAY LATE PAYMENT STATUSES IN XXXX AND XXXX XXXX - THAT I OWE {$840.00} AND THE ACCOUNT WAS CHARGED OFF. 
XXXX - I HAD A 30 DAY LATE PAYMENT ON XXXX XXXX - THAT I AM 150 DAYS PAST DUE AND OWE {$7000.00}. 
In the letters I asked them to " Please validate this information with the creditors and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that the 30 day late payment be immediately deleted from the credit file you maintain under my Social Security number. '' They did not respond back with in the 30 days with any viable proof bearing my signature. When I call them they tell me they ca n't do anything. I have dealt with the creditors and they tell me to talk to the credit bureaus, and when I call the credit bureaus and they tell me to call the creditors. It is a never ending circle.
I have already addressed BofA 's incompetence and illegal reporting of a a student loan account that was discharged in my Bankruptcy in 2010 and had it removed once. Now it is back XXXX up my credit again reporting a balance and lates month after month and needs to be deleted ASAP!!! Attached is a screenshot of the illegal reporting and the page from my BK clearly showing it was included and discharged.
I have been receiving a bill from XXXX medical center for over a year now for case # XXXX in the amount of {$480.00}, I was covered by XXXX XXXX which is a XXXX program in the state of Connecticut who provides insurance coverage, now I recently received a bill from CBCS collections agency for that amount which I should have not received. I spoke with a gentleman in the billing department at XXXX Hospital and advise him they need to be contact the collections agency and bill Connecticut XXXX.
We stopped to pay our mortgage since XXXX. I could n't work for a year because my XXXX babies came, so I quit to take care them. Months later my husband lost his job and we struggled with everything. By XXXX Penny Mac offered us and program for 9 moths that we can pay XXXX dollars per moths, but finally by XXXX I called them and I told that we were ready to pay our full monthly payment ( XXXX ). Then, they told us we need to start a Modification program and need to qualified, because I requested that wherever we owned we will lie to be transferred to the end of our balance. However, by XXXX this process starts and we could n't make payments because " we were on the process to modification '' even if we talked them we can pay our full monthly payment like we used to do before we got in this situation. My the middle of XXXX we recieved a lawyer letter saying we will be sue for whwerere we own, few days after we got papers for the same lawyer from Pend Mac that we need to go to court. We have been trying to get in contact with them so someone can explain us why we need to go to court if first, we are waiting for the modification, we want to pay just we do n't have the balance money ( XXXX ). we want to start to pay our regular payment. 
Plus they said we need to pay for their lawyers expenses. we do n't get a call for them and we want to reach them we just hear " wait '' we are working on your modification. I hope it get clearly soon__ thank you
I have been trying to close my deceased Father 's account with Citibank since XXXX, at which time I was wrongly advised Citibank was working on the matter. Three weeks after I had completed about a dozen pages worth of forms I received notice from Citibank that I was claiming the assets as my deceased Father 's " next of kin, '' despite the fact that I had submitted a XXXX page letter explain how my legal right to the money was due to a Trust agreement of which I had submitted appropriate pages to Citibank. From there Citibank made the assumption, also erroneous, that the total value of my deceased Father 's assets at the time of his death were less than {$150000.00} and required me to complete a form affirming such, or Citibank would wrongly maintain control of money which legal belongs to the beneficiary of my deceased Father 's Living Trust. 

Citibank has dragged their feet each step of the way, and has now proven themselves uncooperative. I would very much appreciate some help on this matter.
In XX/XX/XXXX, I received a flyer from Citibank. The flyer says that I am invited to become a Citibank banking client and earn XXXX XXXX   Aadvantage bonus miles. 
On XX/XX/XXXX I called Citibank to open the Citigold account to earn XXXX Aadvantage bonus miles after making ATM Debit card purchases of {$1000.00} and making 1 or more Bill payments for 2 consecutive calendar months. 
The Citibank representative says that they successfully applied to my account, and the offer code is XXXX. 
( See attachment : XXXX Citibank flyer ). 

On XX/XX/XXXX I contacted Citibank via Chat to ask them whether I have met the requirements of the bonus offer. The Citibank representative confirmed that I had met the requirements for the XXXX miles offer and that the AAdvantage bonus miles will be credited by Citibank to the AAdvantage account within 90 calendar days from the date when the client completed all offer requirements.

( See attachment : XXXX Citi confirms XXXX AA.pdf ). 

On XX/XX/XXXX I received a letter from Citibank saying that the requirements for Promotion XXXX were not met because this promotion was not available to existing Citibank customers. Their records indicate I have a existing checking account number ending in # XXXX, which was opened on XXXX XXXX. This account was closed in XX/XX/XXXX. 
( See attachment : XXXX Citi letter denying requirements met.pdf ). 

On XX/XX/XXXX I contacted Citibank via Chat to dispute the letter on XX/XX/XXXX denying that I had met the promotion requirements. They confirmed my checking account ending XXXX was closed in XX/XX/XXXX. However, they said that I was not eligible for the requirement because I was not a " New-to-Citibank Client. " New-to-Citibank Client must not be have owned a Citibank checking account within the last 180 calendar days from the date of enrollment in the targeted offer. 
( See attachment : XXXX Citi chat denying requirements met.pdf ). 

I am a raising a complaint because : 1 ) When I called Citibank in XX/XX/XXXX to open the account, they did not tell me that I was not eligible for the promotion. They went ahead and opened the account for me and told me the Offer code was successfully applied to my account. 
2 ) When I contacted Citibank on XXXX XX/XX/XXXX, Citibank confirmed that I had met the requirements of the XXXX miles offer and the Aadvantage miles would be credited to my account within 90 calendar days. Nothing was mentioned about me not being eligible.

3 ) I received an 8 page flyer from Citibank inviting me to apply for the promotion. Of the 8 pages there was only 1 sentence in the fine print that mentions the " New-to-Citibank Client definition. Also, this definition is not in line with the normal understanding of these words. Most people would think that if someone did not have an existing Citibank bank account then they would be a new banking client.

4 ) It is misleading for Citibank to send me a flyer with a targeted offer for this promotion, when they are now saying that I was disqualified from the very beginning.
My wife XXXX XXXX and I had an Auto Loan through XXXX XXXX. Unfortunately, we had to voluntarily surrender this vehicle because we simply could n't afford the payment. A few months after surrendering the vehicle, XXXX XXXX XXXX XXXX XXXX reached out to us in regards to paying the remaining balance. We came to an agreement of {$130.00} a month which we started paying in the XXXX of 2016. Since then, legal action ( judgement ) was going to be taken against us. In order to prevent having a judgement on our credit reports, I reached out to XXXX XXXX XXXX to work something out. The agreement was that if we paid the balance in full, the case would be dismissed. We paid the account off in full and successfully worked with the staff from XXXX XXXX XXXX which was working to collect the debt for XXXX XXXX. I immediately disputed the information as being paid on my credit report through Equifax. Equifax came back 30 days later and informed me that all information was reported correctly, but the account was still not showing as paid. After receiving this information, I called XXXX XXXX myself to find out what the problem was. The representative informed me that my account was showing a XXXX balance and has been paid in full. Furthermore, this was showing as a voluntary surrender but has now been updated to a collection. This account was paid in full.