WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX I was trying to buy concert tix on XXXX. The seller said he did n't have a XXXX account, which I always use because it is SECURED. He offered to use XXXX. I immediately went on my bank 's website, WELLS FARGO, and read their notes about their partnership with XXXX. It said clearly that they SECURED XXXX transactions! I felt comfortable and processed the {$500.00} payment. After not receiving my tix in 15 minutes, I was on the phone with Wells Fargo to report fraud. They said, " It was great that I called right away and they would handle this for me. '' Well, after a few months of " investigating, '' they will not reimburse my money and I now see that the " We secure these transactions '' verbiage from their site is no longer there. Please help!
Refused Mortgage because I am a XXXX despite my great credit rating and excellent work history. Reasons were given through a text, gap in employment, a number of different staffing agencies. No credit for gross income or ability to find good paying contracts or that my wife had a full time position.
In late fall XXXX, my mortgage lender Green Tree sent me a no cost refinance offer in the mail. I had about 9 years remaining on my mortgage and a decent rate since I has refined at least XXXX times since I owned the property. I began speaking with a Green Tree rep, XXXX XXXX and she indicate no problem, of course a free loan, ( I clarified verbally and by email, not cost deferred, free ). Approximately XXXX XXXX, a notary was sent out to meet me for my signatures, I noticed approx. {$1800.00} of fees. I called this rep and she indicated she would have the docs redone. ( I have emails to her regarding this communication. ) Approx. 2 weeks later, after repeated delays and excuses, I again went to a coffee shop to meet the notary for the second set of docs. I was told because of an amount difference not accounted for by the reps assistant that I needed to bring a check of approximately {$600.00} to the signing. I was on my way to work, in addition to that the rep and I had communicated clearly verbally and by email on why this second signing meeting was necessary, I signed the documents. For approx. 6 months after this experience, I did not receive any loan statements from Green Tree. 

After calling to inquire, the statements began arriving and only recently after repeated request did I receive most of the 'missing statements from the time period. I took this statements and finance papers to my tax prepare to review. He indicated to me I had fees and points paid to Green Tree, completely against what was agreed from the get go and after repeated attempted repairs and communication on my part to this mortgage rep. I am appalled by the audacity and presumptuous disrespect of the public this rep, XXXX XXXX has in representing Green Tree and myself on one 's largest financial transaction in a lifetime. ( Do Note : Dictec has assumed Green Tree as of mid XXXX )
Merchant & Professional Collection Agency is reporting to XXXX that I owe {$690.00} to them from a debt they bought from the Original Creditor which was XXXX XXXX XXXX. That debt is way past the 7 years from date of last activity or payment to that account. I have disputed with XXXX, but XXXX keeps coming back that they " verified '' the debt. Upon repeated requests to Experian on " how they verified '', they will not prove how they verified, which is a blatant violation of the FCRA. The debt was mine, but it is way past the 7 year window that it is allowed by federal law to be reported on my credit bureau. I just want it off, not fair that I should be punished for this debt forever. I will take legal action if my complaint here does not get the item removed.
Never received letter notification of debt. I found out about the debt after receiving paperwork  from county  sherriff for lawsuit filed in  my county . Had communication with  XXXX  at  Eagle Accounts Group  and she did not disclose that she was a debt collector nor that it was an attempt to collect a debt. FDCPA violation  807 ( 11  ). I do have the conversation recorded.
I have had a Citibank Mastercard account since XX/XX/XXXX. My account has always been current - as a XXXX. My current balance is {$19000.00}. 

I was laid off from my job in XX/XX/XXXX. I contacted Citibank regarding my job status in XX/XX/XXXX and let you know that I would be living off my bi-monthly unemployment benefits for the unforeseeable future. In the meantime, I would continue my fervent job hunt. At that time, I set up a monthly payment plan of {$97.00} for three months in which no interest, late fees or over -the- credit- line fees would be applied. I also agreed to close my account for the time being. I asked what would happen after three months if I had not found a job yet and the representative assured me that we would continue the agreement- if need be. 

Three months later, after having made my monthly payments - I still had not found a job yet. So I indicated that I would like to continue with our new agreement. However, the representative informed me that I could no longer continue the $ XXXX monthly payments and I would need to pay at least {$190.00} a month going forward. 

I was unable to afford to pay {$190.00} at this time. In fact, given my living expenses - I would be unable to live if I paid more than {$97.00} a month. Citibank did not care about this. They were totally unwilling to continue my payment plan. They wanted what they wanted. Period. 

It is now XX/XX/XXXX. I am still unemployed and they served me court papers recently informing me that they are suing me for approx. {$23000.00}. I just mailed in my response to the court. Can the CFPB help me with this crucial matter?
XXXX XXXX, 2017 On Thursday morning XXXX XXXX, 2017 I was informed that a fraud check had been deposited to my Chase checking account. I stated that I had not deposited any check, had not given access or permission to anyone to my account. I stated the check was not mine, I had no knowledge of the transaction and that I didnt want anything to do with it and to remove it from my account. 

I was instructed to contact the Fraud Investigation Department of Chase to resolve the matter. I spent several hours on the phone with Chase letting them know I was not involved with any fraud activities. They advised that they were suspending my account. They then instucted me to log on to my account after midnight to reset the password and everything should be fine. I attempeted to do this however was not able to. First thing Friday morning, XXXX XXXX, 2017 I went into the Chase bank to resolve the matter. The Banker was not able to access my account so they called the fraud department for assistance. The advised us that my accounts ( checking, savings and new Visa card ) were all being closed and they could n't do business with me as a customer. They informed me that they would be mailing out a closing check within 7 to 10 days. No further explaination was given. 

I have filed a complaint with Consumer Federal Protection Bureau as I believe I have been treated unfaily and unjust. 
I did not have anything to do with what happened to the Chase account. It had been " hacked '' and Chase Bank is treating me as the criminal rather than the victim that I am. They have suspended all access to my accounts leaving me without access to my funds until they release them to me. 

XXXX XXXX XXXX
I have disputed this account numerous times and have asked for documentation proving the debt is mine. The debt collector has never contacted me via phone nor have I received written documents.
TransUnion and XXXX are not putting down in my credit report the history of my mortgage payment with XXXX XXXX I have this mortgage since XXXX XXXX have never been late on a payment and XXXX XXXX claims they 're reporting to the credit bureau which I do not believe.I went to one branch in XXXX last Thursday and lie to me in my face. In XXXX I filed Chapter XXXX I finish 2 years ago so Iam trying to rebuild my credit but XXXX XXXX it 's holding me back.please help me. Sincerely yours XXXX XXXX. Account number with XXXX XXXX XXXX.
On XX/XX/2018 I received letter about a debt that Halsted Financial Services claimed I owed. On XX/XX/2018 I called them and asked if they could show me proof and validate the debt. They said they could email it. I gave them my email address and they sent me the same letter that they sent via USPS assuming I would believe that's proof. I said that I need something from the original collector which is a hospital in this case. They then cut me off and tried to change the subject asking how I was going to pay. They transferred me multiple times before putting me on hold and hanging up on me after about 20 mins of hold time. I call back and get transferred to a supervisor. I ask them how they can legally collect a debt they have no documentation on and eventually she hangs up on me as well. After these conversations I received 3 back to back calls from numbers in various cities in Florida where I live, 2 within a minute at XXXX and another at XXXX. I have been getting these calls for days and have ignored them because they are unknown numbers. Since I got 3 I decided to call one back inly to find it was XXXX XXXX all along. So not only are they calling me every day sometimes at odd hours, they are also calling back to back to be rude. All I asked for was proof that this debt is real. I have heard many things about these companies trying to collect debts that are not real. All I want is proof. Attached are phone records of the 3 back to back calls and the email they sent which supposedly " is validation of debt '' that has no documentation of original debt.
I 've been battling for about a year now to get some accounts that were taken out in my name resolved. I 've sent this company XXXX series of documents and what they 've required for my case. Still, am having issues with a creditor collection company on my report. XXXX. The other XXXX collections came off but this did n't. I 'm wondering if XXXX or XXXX pays this bureau under the table or just pays more than what is required but it makes me concerned. XXXX have received also XXXX documents and I 've gotten zero response from them either. This bureau did respond just with notices of an alert. 
I guess money makes the world go round but still I need help getting this resolved. Let me know if you need anything further but I 'll keep sending certified mail. 

thanks, XXXX
I have started to monitor my credit report and noticed hard inquires on my report that I did not authorize. I have contacted the companies and the credit bureaus with no success and no help. The inquiries below should not be appearing on my credit file. I never gave verbal or written permission to these companies to run my credit. I have been a victim of identity theft in the past. 

XXXX pulled my credit report on XXXX/XXXX/XXXX Syncb pulled my credit file on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX Macys/Dsnb pulled my credit on XXXX/XXXX/XXXX Cbna pulled my credit file on XXXX/XXXX/XXXX Credco/Mr XXXX pulled my credit file 3 times on XXXX/XXXX/XXXX Cbna/Sears pulled my credit on XXXX/XXXX/XXXX Sterling XXXX/XXXX/XXXX
XX/XX/XXXX I contacted USAA and asked for guidance. I was nearing the conclusion of the escrow for my home at XXXX., XXXX , CA XXXX. My home was under construction and nearing completion. My question was to a loan officer. I needed guidance as to what I could do to finish the back yard and other finishing construction needs once I closed on my home. I knew that I would have {$30000.00} in equity upon closing between the purchase price and the value of the house without the upgrades. 
I was advised to take out a personal loan with the purpose of converting it into a Home Equity Loan after closing. I was concerned that the payment was high and told the loan officer that I could only carry that payment of over {$700.00} for two months at the most. I was assured that I would only be responsible for that payment for 30 days at most. After several days of consideration and discussion with knowledgeable friends, I consented to the arrangement on the condition the loan would be converted right after closing in XX/XX/XXXX 
I closed on my home, activated the USAA loan as agreed, and called to convert it to an Equity Loan in XX/XX/XXXX per our agreed plan. 
I was told nothing could be done at all because USAA 's technological system was being updated. 
I called in XX/XX/XXXX and was told the system was being updated and nothing could be done. 
I called in XX/XX/XXXX and was told the same thing. 
I called in XX/XX/XXXX XXXX times and was told the same thing. 
I called twice again in XX/XX/XXXX and was told the same thing. 
I called three times in XX/XX/XXXX and was told the same thing. 
I called multiple times in XX/XX/XXXX and was told the same thing. 
I called in XX/XX/XXXX many times. The third or fourth call I was told USAA was not granting Equity Loans any longer. 
I asked what other options I had, and was not guided in ANY way. 
I called back in XX/XX/XXXX and was not guided or helped. 
I called back in XX/XX/XXXX and was told to go to another institution. I was not guided as to what institution or what to ask for. 
I called back in XXXX XXXX and was not given any options by USAA. 
I called multiple times in XX/XX/XXXX and was just told to hurry up and find something. 
I have requested someone from your office to contact me for help in finding a reasonable product. I have made this request in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have not heard from anyone in your office and it is XX/XX/XXXX. 

USAA Banking knew from the beginning that I was seeking an equity loan not a personal loan with a monthly payment of over {$700.00}. An equity loan came with a monthly payment of {$350.00}. I was purposely put of with the objective on USAA 's part to keep me at the $ XXXX monthly payment when they knew from the beginning that I did NOT ask for or seek in any way a personal loan!
For the past four years, I have requested a lower interest rate from Target Card Services in order to minimize the overbearing finance charges imposed on my account. Since XX/XX/XXXX, I have diligently been trying to get assistance from their guest services as I contacted them via telephone but was unsuccessful in my negotiations. In XX/XX/XXXX, I submitted a written letter ( attached ) and was informed the company does not participate in these type of requests. In XX/XX/XXXX, I attempted asking again via telephone, and was told a canned response that was not helpful to my situation. XX/XX/XXXX, I came across a general note in my online account indicating to submit updated information to determine if I could qualify for an interest rate reduction. I submitted my information a month later and never received a response. I have attempted making on-time payments each month, nevertheless ; I may have been late once in a XXXX month cycle as it still should not preclude me from attaining a better interest rate. I have never been with a credit card company that does not fairly negotiate with their customers. At the rate I am going, it makes the process more difficult to payoff the remaining balance considering other debt taken into account. Therefore, I would greatly appreciate your assistance in resolving this matter.
My partner and I opened a joint checking account at Citizens bank responding to an offer of {$150.00} bonus for opening an account. This was mailed to me. See attached. To date, we have not received our bonus ( account was opened on XXXX XXXX, 2015 ). We had to call to report this and they asked us to scan in a copy of the original offer. We really should n't have to go to this much trouble. We have met all the requirements and we feel if we had n't complained it would have been forgotten. In light of the recent complaints against Citizens you would think they would do a better job at treating their customers better. To be fair, we are waiting to hear back from them. Customer service said it would take a couple days.
Back in 2011, I paid off my equity Loan with PNC Bank. PNC chose to say this loan was discharged/forgiven. This was not the case. As of today I can still walk into any branch of PNC and the loan amount still shows outstanding on their system.
On XXXX I reached out to Action Collection Agency to resolve a debt on an old medical bill when I did n't have insurance for the amount {$790.00}. 

I have been working with a mortgage company to be qualified for a house that my wife and I have been looking at to be conditionally approved with a favorable rate the mortgage company requested the negative trade line be deleted to give me the credit score bump to cross that thresh hold to qualify. 

On a recorded line with Action Collection Agency we made an agreement that if I paid in full that the tradeline would be deleted. The women I spoke to asked her manager and she agreed to delete. The mortgage company faxed over a letter confirming what they told me. 

I waited a few days and the mortgage company called and gave me the bad news. I was not approved at a reasonable rate. 
The account was updated to " Paid Collection ''. 
1. This is not was what agreed upon with ACA. It was clear that it was to be deleted. 
2. " Paid collection '' stays on your credit file for 7.5 years barring me from a reasonable mortgage until that time. 

This had been a huge disappointment for me and my wife. We essentially had to turn down the mortgage offer on a house that we had fallen on love with after a several month process. I am a man of my word and I expect ACA to act with integrity and right this wrong.
For the last three years, everytime I try to get a " free '' annual credit report from Experion online, it  tells me there is a " problem at this time '' even though I give them all the correct information. I have no problem getting a credit report from XXXX XXXX and XXXX, giving them the same information! When you try to call Experion, you get a recording and prompts for information and it kicks you out, even though you give them the correct information, saying they " didn't get that, '' either pressing or saying the choice prompt. After that, they say you can not order a report by phone. You can not call and get a live person, either, which is frustrating. They then advise you that you have to get the report by mail. After about seven or eight tries, I was finally able to get them to send me a report by mail. This was done on XX/XX/2018. It appears to me they do this intentionally so as not to encourage anyone to get a free credit report but pay for one! This is a dishonest practice!!!
i was approved for a checking account with navy federal. I was sent a debit card, account number, and a welcoming email. after my sister asked about the XXXX referral fee I was then told that my account was fraudulent and denied access. I was told that I could not have any access because my sister and I have different last names. but we have the same parents. I was told that I could use my marriage license on the phone but when I got there I could not use my marriage license. I was basically told that I was liar and my money would be sent back to the irs even though my son gave me the money from his tax refund so basically I was not only called a liar but a fraud. I have not done anything wrong. my son called which he is a member to verify he gave me the money he was told that there is nothing he could do. my mother and father are deceased. my sister name is XXXX but was born XXXX dob XXXX/XXXX/1965 in XXXX which now she resides in XXXX
I have a mortgage still being reported to my CBR, according to Ohio law this should be removed from my CBR after 7 years. As the last reported information on this accounts was on XXXX/XXXX/2008, I am requesting this be removed from my credit report.
I am trying to stop my foreclosure date XXXX XXXX 2015 because i think because i have file a previous complain they got mad and issue me with forclosure notice. they told me today that my circumstances having being change since i have apply and that is not true i started i have rented out XXXX room which is now bringing in XXXX. XXXX extra dollar per week.please help me to stop foreclosure so i can resummit my application.
On XXXX XXXX, 2017, I receive a credit report ( XXXX ) from Experian, after I had requested that Experian, send me proof of my liability of disputed accounts. My request was under section 609 of Fair Credit Reporting Act. The company receive my request on XXXX XXXX, 2017. The company state that the accounts is verified but never send me any proof to support the claims. The law require credit reporting agencies to have a copy of the original contract on file. I have made several request to Experian in good faith that the company will honor my request. All I receive is a frivolous letter stating that their investigation verified that the accounts. Experian do not have this information on file an they is in violation of my rights under the Fair Credit Reporting Act.
Basically I reached out to the credit bureau explaining that they are reporting inaccurate information, and they then in turn reached out to XXXX 's explaining the same. XXXX 's then wrote me stating that I owe for the bill and that if I am experiencing any hardships to let them know. I then wrote a validation request letter to XXXX 's asking for any information that would make them think I am responsible for an account that I did not open. I asked for any documentation with signatures etc. They have now sent me a bill again stating I owe {$330.00}. They still are not answering the request for them to validate this debt. I have been a prior victim of fraud as well and have made this known as well. I also have
Eaton Group Attorneys are collecting an alleged debt for XXXX XXXX XXXX and continue to contact me at my place of employment ( also a law office ), leaving recorded messages, voice mails on my employer 's phone and it is an automated call. I have written, faxed and e-mailed Eaton Group, provided them videos of the recorded calls and voice mails, and photographs of the caller I.D . at the law office where I work together with an Exhibit listing the dates and times of the ongoing calls and they still will not discontinue the calls. I have been verbally warned by my employer not to continue receiving " personal '' calls at the office and am in fear of losing my job!! 

Because I can not seem to get anywhere with Eaton Group directly, this is my next line of action. 

I have also provided Eaton Group with an Affidavit showing that the XXXX XXXX card for which they are trying to collect was never in my possession and was likely stolen along with my vehicle a couple of years ago as that was around the same time that whoever stole the car also started using the credit card. I have disputed owing the debt but doing so is like talking to a brick wall. They do not seem to " follow the rules '' when it comes to debt collection practices.