WillisBack/dataset-financial-user-claim huggingface dataset:
I went into a XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX the other day. While I was there my girlfriend was trying on rings, the manager pulled me to the side and told me he could do a quick check to see what kind of financing I would qualify for when the time comes. He clearly advised me this was not an application for credit, but a means of seeing how much credit I could be preapproved for. I even double checked and was clearly assured by XXXX XXXX and XXXX that this was not an application for any type of credit and would not cause a hard pull on my credit report. It turns out they were both knowingly lying and filling out a credit card application on my behalf, XXXX XXXX even exaggerated my income and put down {$3000.00} per month after I stated {$2500.00}. This is an unfair and deceptive practice, at no point did I have the opportunity to see the terms of the product I was applying for as I was repetitively assured that I was not applying for anything. This experience exhibits the exact practices that UDAAP and Regulation Z aim to eliminate.
XXXX AND XXXX ARE PARTNERS IN CRIME, PROOF HERE, THE ORIGINAL INSTRUMENT HAS VALUE SO WHERES THE DEBT?, WHERES THE ''BILL ''? HEY XXXX, WHY ARE YOU MAKING FALSE CLAIMS ON ME,? HI XXXX XXXX YOU CRIMINAL MISCREANT, your letter you sent to me has no wet ink signature, its not binding, your words are fraud and presumptions, you never said what you did with the negotiable instrument i deposited into XXXX, isnt it true XXXX attached a cusip number with medallion seal and sold it as a security?, isnt it true that your insurance policy covers all negative balances after 90 days? isnt it true XXXX has been paid more than twice the amount of XXXX?, so where is the debt? where is my ''bill ''? you have my billing address and i never received a ''bill '', do you know the definition of a bill and a statement? how would you like to explain all this fraud in front of a jury, if the check was fraudulent WHY THE XXXX DID XXXX SELL IT?, MY X-GIRLFRIEND WORKED IN A BANK FOR 27 YEARS, YOU THINK I DONT KNOW WHATS GOING ON? AND I DONT HAVE ANY CONTRACT WITH XXXX THEY DONT MEAN XXXX TO ME BUT YOU XXXX CRIMINAL ARE IN SOME HOT WATER NOW, I never received any varified complaint of any ''wrongdoing ' sworn to before a notary either, furthermore you say federal law allows banks to substitute check,, so show me the citation you are speaking about, SHOW IT TO ME WITH CLARITY BECAUSE YOUR YELLOW HIGHLIGHT IN THE LITTLE BOOK DOESNT MEAN A XXXX  XXXX THING, ITS TOTALLY VAGUE AND NOT VALID, SO SHOW ME THE LAW, SO WHATS THE BIG SECRET, XXXX AND ALL THE BANKS SELLING PEOPLE 'S SIGNATURES AS SECURITIES RIGHT,? XXXX MY ORIGINAL CONTRACT WITH SIGNATURE, YOU SOLD THAT TOO RIGHT?
This account is reporting beyond the 7 year FCRA rules from the first day of delinquency. The first day of delinquency dates back in  XXXX  of   XXXX  . This account is obsolete and should no longer be reporting on my credit file. I have requested this item to be removed. This account was opened  XXXX .
I went into sears and purchased a refrigerator and financed it through their credit card, and never got a statement, and also now was reported past due with the credit bureau. I am a XXXX and was treated with distain and like a criminal. I was interrupted many times as I was trying to talk and one person I talked to, XXXX at either sears or Citi bank said that if I make the XXXX dollars that would be fine, she would correct my credit bureau and also make sure all charges were taken off the account,, Then on Saturday I was called by Citi bank and said I was past due. I got a chance to call them today thinking it would take time to correct all the above to find out that nothing is corrected and that I still am past due. I paid the amount ( XXXX ) immediately and now am contacting you. I assume that nothing will be done and I will hear nothing from Citi Bank or sears, but I know my collection department does what we say will do.. and they should too. 

XXXX XXXX Phone : XXXX | Fax : XXXX XXXX
XXXX XXXX under this company : XXXX XXXX XXXX, WI I have an award for serving with XXXX. Since XX/XX/2018, which is when the company changed websites, I've been trying to make payments with XXXX XXXX. I knew that my payments usually took a month to be deposited, so I waited. No payments have shown up. On my XXXX account, it says that it has been taken out and the trust officer opened my payment. I attempted contacting them via e-mail. They responded on XX/XX/2018. This was the response I received : Dear XXXX XXXX, Thank you for contacting XXXX XXXX XXXX. 

The {$120.00} payment made through XXXX is not reflecting on your account. Do you have any proof of transaction or any documentation so we can conduct a payment research? 

If you have any questions, please contact our office at XXXX. Representatives are available during the week from XXXX XXXX to XXXX XXXX CST. 

Thank you! 

Description : Description : XXXX XXXX XXXX | Customer Service Representative XXXX XXXX XXXX, XXXX XXXX XXXX I responded with the following ( the same day he sent me the e-mail ) : I have attached the screenshot of the payment. I have made another payment on top of that one that I sent out yesterday. No action needs to be taken yet for that one but I wanted to give a heads up it is on its way. 

Thanks so much! 

XXXX XXXX ( Screenshot of this conversation and of my XXXX account is attached. )
XXXX XXXX is reporting 2 late payments XX/XX/18 & XX/XX/18 on my credit after the loan was paid off. My car was totaled and was a full pay off the end of XX/XX/2018.

I paid my deductible and then XXXX paid off the XXXX loan. XXXX left a {$500.00} balance on there which I was never notified. SO I got the 2 late payments and it is not my fault.

I have disputed this and XXXX said it is for the Deductible I needed to pay. WELL I had already paid that in XX/XX/XXXX!!! SO they made me pay them again! SO I paid 2 {$500.00} deductibles!

I have proof I paid the deductible as advised and proof the car was paid off back in XX/XX/XXXX. There should be NO late payments on my credit this year and I need them removed.

They are in violation of the FCRA and the Debt Collection Practices Act,.

I have already contacted my attorney,
I disputed an account with XXXX XXXX XXXX XXXX with Equifax. 
This account was removed from my from my credit report, after my dispute. Then, it appeared back on my report. 
I disputed it again, and once again it was removed. 
Now, it is back and showing active since XXXX XXXX. THIS IS WRONG. 
This account was closed in XXXX, is not active, and has NOTHING owed.
ON XX/XX/2018 REPORTED FRAUDULENT CLAIMS TO BANK OF AMERICA AFTER REVIEWING MY STATEMENTS BACK A YEAR AND 13 OF THEM WERE NOT PAID, SUM OF AMOUNT NOT PAID IS $ XXXX.FILED FRAUD REPORT FOR ALL CLAIMS AND WAS NOTIFIED BY EMAIL.SEVERAL NEW CARDS WERE ISSUED TO ME BECAUSE I LOST MY WALLET OR CARDS WERE REPORTED LOST. 
I AM A XXXX PERSON ON SOCIAL SECURITY XXXX AND I DO NOT APPRECIATE MY SAVINGS BEING STOLEN FROM ME!! ALL CLAIM NUMBERS ARE LISTED ON UPLOADED LETTER WITH RESPECTED AMOUNTS.
Equifax had deleted XXXX XXXX XXXX XXXX account off my report now they reinserted it again on my report as of XXXX XXXX 2017. This account in the amount of XXXX was verified to be deleted. Now it 's back on again. I have been dealing with all 3 credit reporting agencies for months now. Once it has been verified to be deleted as it was it should not have been put back on my report
Portfolio Recovery Associates ( PRA ) garnished my wages for a medical debt purchased from XXXX XXXX opened in XX/XX/XXXX. PRA was paid in full on/about XX/XX/XXXX, via case # XXXX reported as closed with XXXX XXXX Sheriff. PRA is claiming that I have a balance of {$710.00} and continue to report negative activity on my credit bureau and harass me with phone calls ( these have now stopped after a formal complaint to the company ). I have provided proof of payment via wage garnishment to credit bureaus to no avail - item continues to be reported as outstanding based on their inaccurate reporting. Not only has this been paid in full, the medical debt was incurred XX/XX/XXXX and statute of limitations for collection expired in XXXX. I would like PRA to close this account, stop all harassing collection attempts and correct it on my credit bureau.
XXXX, XXXX and Equifax are all lowering consumers credit scores, so the interest rates can be raised and we are charged more. They are allowing lenders to report false and inaccurate information on our credit reports so they can cash in on it. This corruption needs to stop. I have been building a case against them for a year now and have documented 10 failed attempts with the CFPB failure to comply and get the job done. So it is now time to sue all three Corrupt credit reporting companies in order to stop the fraudulent activity on my report. The are breaking Federal Law by lowering consumers scores, so they get paid by the lenders to make sure our scores stay  low, so they can charge high interest rates. This is their way of getting around paying government fines and maximizing their profits. THINK ABOUT IT! XXXX XXXX in revenue. Where is all this money coming from? The financial institutions are paying XXXX, Equifax and XXXX to do this. Why do you think Equifax had the breach. Because I know who is doing it. AND WE ARE GOING TO EXPOSE YOU AND YOUR CORRUPTION> I cant wait until I cash my first settlement check from you tyrants
In XX/XX/XXXX, opened share savings account and given membership number XXXX, and in XX/XX/XXXX, opened limited checking account. Someone hacked into my XXXX account and attempted to make purchases with my registered accounts in the XXXX system. With very limited funds in the mentioned accounts, of course, PenFed rejected these debits from the account. However, after multiple attempts/returns to the account, this Credit Union has assessed at least {$700.00} in bank fees. On XX/XX/XXXX, sent an e-mail on the consumer website through " contact us '' advising them of the issue and to reverse the charges. As of this writing, they have ignored my e-mail and have been negligent in noticing/contacting the member about these suspicious transactions on a new account. They should be investigated for the numerous erroneous fees that most likely are charged to the members of this Credit Union.
US Bank Lost all the Deeds and mortgage documents, Then miraculously they found them. From that moment on Witness came forward under oath clearly showing that the Notary signature and his seals were fake and forgery 's. Then The original witness came forward under oath stating the same thing. US Bank has no standing whatsoever and the Loan has been rescinded by us in a timely manner without being responded to within the 20 day rule. Because the contract was never consummated making it makes any past judgment Void. XXXX XXXX XXXX attorney for XXXX and US Bank Knows that they are committing a criminal act Plus they have consistently violated the OOC Cease and Desist Order. We believe XXXX XXXX has been the primary person involved in sending these falsified document across state lines and may have violated RICO laws in the process.
On   XXXX   XXXX   XXXX ,  One Main Financial ran a hard inquiry on my credit report along with my husbands. This was NOT authorized nor did we give them consent to do so. We currently have a loan through them for se veral years. We did not ask to refinance or anything like that. They did not have permission to do this . One Main  has been caught in so many lies, several by me alone. They tell you one thing and then do another.
On XXXX XXXX I decided to end my business with Chase for various reasons, I did n't like some interactions I had with them of recent, and I did n't feel comfortable with them handling my money. 

On XXXX XXXX XXXX issued me a refund for XXXX purchases that did not download completely. After waiting a few weeks, I called Chase to inquire about the check refund. I talked to a supervisor named XXXX, who was fast to get me off the phone. I provided her the transaction number ( XXXX ) for the refund, for which she said that she could n't find, and then she abruptly hung up on me. 

I then spoke to XXXX in Claims Escalation, who would talk over and give me contradictory information, who then also hung up on me. 

Chase claims that they would not be able to locate the refund and issue a check. From past experience I know this not to be true. It 's alarming how Chase dose conducts business.
On  XX/XX/XXXX  i received an email from "  XXXX  '' saying the were now going to be my mortgage payment provider. Which i was shocked to read, to be honest i thought it might be a scam.     Then it turned out to be real. I logged onto  CitiMortgage 's  website to make my next payment and low and behold i have a {$0.00} balance on my loan amount.     I was shocked since i had not received any notification from  CitiMortgage th at this was going to occur or was given any opportunity in advance to refuse the transfer of services.     I  called CitiMortgage  on  XX/XX/XXXX  in an effort to get this corrected and continue to use them as my provider. They said there was nothing that they could do since the loan was already transferred. I asked to speak to a  " manager  '' and so they transferred me, to which did nothing. This is awful, the sad thing is they provided great service since i have been doing business with them since  XXXX . All i want to do is continue to work with them and not some cut rate shoddy company as they have " sold '' my loan.     I told them that i would file a complaint, which is what is being done now.     I did not give any consent for them to transfer my account to a different provider, nor did i receive any notification that this would occur.     I was told by  CitiMortgage t hat a " letter '' was sent, but i never received it. I asked if they had a signature for the receipt of the letter, and of course they did not. Apparently it was sent " general '' mail, so who knows where it ended up. Something this important should be handled with at the very least certified mail, but even better would have been a service like    XXXX    or  XXXX  that requires signatures and proof of delivery.     This new provider does not have the same options and benefits that  CitiMortgage  provided in the past, which is why i would not like to switch or do business with the new provider.
Reason for Contact : We used the CareCredit card to pay for a dentist appointment. We were told that we had to pay a monthly fee until we pay off the whole account. We did n't have a limit or anything like that. After we paid almost a XXXX dollars from the monthly fees, they charged us with an interest fee with a {$1.00}, XXXX when we were told there was no interest and all we had to do with was pay our monthly fee to pay it off. That 's unfair and an act of theft. I work hard for my money for them and I paid my monthly fees on time for them to try and do that.
I was going over my credit report and I noticed a few errors. I was reading according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report, this was definitely not done. I demand the following accounts to be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I sold my condo in XXXX MA in XXXX 2012 in a short sale. Nationstar Mortgage was the servicer on my 1st mortgage which was paid in full at the time of the sale. 
Three and a half years later Nationstar is showing up as XXXX separate dings on my credit report. XXXX dated XXXX indicated start of foreclosure although I was never notified of any such action and never received any paperwork upon sale of the property. The other item is dated XXXX is fraudulent. 
I want these items removed from my credit report.
About 10 years ago, I took out a {$230000.00} home equity loan on a rental property located at XXXX, XXXX, CA. My interest for the loan for the first ten years was 4.24 %. I have now been informed that my new interest rate will be increase to 6 % without having been told of this fact when I signed up for the loan ten years ago. When I originally signed the loan, there was an 18 page document which I signed which was hidden and stated there is a 8 % margin on my loan after ten years which was never explained to me. I have contacted Wells Fargo over 20 times during the past ten years for a clarification as to when is a " margin '', but no one was able to explain it to me. There was a complete failure to explain or disclose to me what impact a " margin '' would have on my loan after ten years. I am a XXXX senior and I feel that I have been misled and deceived into agreeing to a bad, fraudulent loan.
XX/XX/2018 Trash creditor with usurious lending practices. Swiftly and orderly remove junk fee of {$39.00} that you're not charging new customers to same card for. Unfairly charging me for credit card add-on benefits I did not receive. 

Spoke to Capital One on XX/XX/2018 to no avail. Drone like echoed Terms & Conditions while acknowledging fee is no longer charged for same card. Contradicted self after stating that during times they run a promotion for no " membership fee '' then they'll waive fee for current customers. Do not drag feet on this. 

XXXX XXXX
On Tuesday, XX/XX/XXXX Wells Fargo bank received instructions from " XXXX XXXX XXXX, XXXX Field Office '' to freeze my business checking account due to an investigation. Note : I have no knowledge of any investigation to date, nor have I received any correspondence of such activity. 
I am in receipt of that letter, which states " You shall refuse access for a period of NOT MORE than three court days, including the day of delivery.. '' ( Letter is attached ) The letter was received XX/XX/XXXX ( Tuesday ) .. I, and my bank, have not received any other communication from that authority since the XXXX. Due to lack of further action, the bank was required to release my account 3 days after Tuesday ( including date of delivery-Tuesday ), which would have been Friday, XX/XX/XXXX. 
However, Wells Fargo has yet to release my account, they have been giving me the run-around since Friday, and are refusing to release the account due to " lack of approval to release the funds. 
I have reached out to an attorney who believes their actions, or lack thereof, is completely illegal. They have followed instruction and froze the account, but are not following the instructions to release it. 
I want to note : I have not been able to do any sort of business for over a week because of this. I can not make sales because the account is still frozen. Also, all the checks made out to my vendors last week have all bounced, and they are refusing to work with me until they get paid. 
I really need some help to cure this injustice. I have tried reaching out to the XXXX XXXX XXXX office in XXXX XXXX. The agent who answered the phone seemed confused and says they don't know what I am talking about. She repeatedly told me that the XXXX XXXX " does not freeze accounts.. they do not work those types of cases, that is not their jurisdiction ''. 

I have expenses to pay : store rent, employees, kids tuition, etc. 
Please help me resolve this ASAP!
I cancelled a cashiers certified check for {$2000.00} sinceXX/XX/XXXX and i am still waiting for the funds to return to my account. That is more than a 104 days. I keep calling and going to the branch and noone can tell me what is going on. The branch says to call customer service and customer service says to go to the branch. Because of this hold up. My automatic bill payment checks have bounced. The bank has charged me fees and blocked my account. 
My billers has also charged me fees. By the time they give me my money back it will just cover fees i incurred because of their lack of organization and fairness. 



I will never buy a certified check again.
I would like my loans verified and I am are concerned about the recent allegations against Navient. I would like them to be removed from your report if they can not be verified.
I have an account with Wells-Fargo. Over the life of the account, nearly 5 years, I have been repeatedly charged NSF or overdraft fees that are a direct result of daily review of transactions by Wells-Fargo and changing the order of transactions to maximize their take on said fees. 
The attached bank records only show the monthly tally. What they do n't show is the very deceptive practice of manipulating transactions, AFTER they have shown as posted online, to maximize the assessment of fees for NSF or overdraft activity. 
This activity includes the approval of online transactions, only to assess me NSF fees by holding onto those transactions for several days before posting to the account. 
Clearly this is a practice designed to dupe the client out of their hard earned money. There is no excuse for this and it is morally and ethically wrong.
I paid {$300.00} via XXXX for XXXX concert tickets. This was my first ever XXXX transaction. The seller never s not them and disappeared. I tried to do a stop payment right away with PNC, but you cant with XXXX. I filed a dispute, and although they acknowledge the scam, they say that because I authorized the transaction that its not considered fraudulent. What protections is PNC offering? How are they not investigating this rampant abuse, as Ive come to learn. Why is nothing being done about my {$300.00}, and more importantly, stopping this XXXX XXXX ( XXXX ), and others like him, from continuing to do this?
I had a vehicle loan with GM financial and after my husband lost his job my vehicle was repossessed. I was in discussion with many financial representatives for hardship status and after speaking with GMs representatives we came to an agreement amount in XX/XX/2016 that they would accept {$3800.00} as full settlement and agreed to dismiss the charge off and list it as paid in full per our conversation and agreement. This was not honored. I have worked very hard to improve my credit and have not abused lending. I have not been afforded any chances at reestablishing myself as GM/XXXX did not honor their end. If it was never the intention of the company to forgive the amount left over, they used a very dishonest way of misleading me into believing if I came up with this VERY large amount of money, that I would be free of this debt. They were able to sell the vehicle, I paid on the vehicle for a couple of years and I paid the settlement amount agreed upon. I would like this charge off, unpaid balance removed from my credit report and I would like an updated report sent to the companies who requested my information. Thank you for your time and consideration.
I've repeatedly, over the last several years, been unable to pull the free annual credit report from Experian. Every year I get " A condition exists that prevents Experian from being able to accept your request at this time. '' and suggestion to send a letter in the mail. 

I've tried calling Experian in the past and gotten frustrated by the hold times, operating hours, etc. Never gotten through to a human, don't trust that a letter sent blindly will succeed, and don't like the idea that my credit report, with all that information, might be sent to me in the mail in the first place. 

I believe Experian has done this to prevent me access to my *free* credit report, trying to get consumers to pay for something they should not have to pay for.