WillisBack/dataset-financial-user-claim huggingface dataset:
I was tricked by XXXX and TD Bank to create a XXXX financing application for obscured reasons. 
Following my application on XXXX, TD Bank issued me a credit card that is not acceptable anywhere including on XXXX where the application is forced to customers. When I tried using the account, XXXX declined the transaction and requested me to use another credit card. I asked : Why was I requested to provide my Social Security Number to create this account? The company never responded to my request. Soon after, I filed a complain against TD Bank. A Credit Team Manager named XXXX XXXX XXXX called me on XX/XX/XXXX claiming that it was merely a technical issue. She promised that everything will be taken care off. As of right now, my emails have been been flagged by TD Bank and I can't communicate with anyone. Similarly, the company, XXXX, is complicit of of the problem and also flagged my emails to the point that I can't communicate with anyone. 

I am saddened and devastated to know how these companies can betray customers like me just to fill their books. My personal information was obtained to create a credit card account that I have no idea what it was/is for. My credit score was altered and I now have a fictitious account on my file. I am certainly sure that many other people were tricked the same way. I claim this because a XXXX representative told me onXX/XX/XXXXthat I was not the only person complaining about this issue.
I recieved an email that i was late on a payment. I didnt have sufficient funds in my account so no money was withdrawn. This was XX/XX/XXXX. My agreement was to have my account debited XX/XX/XXXX. Further investigation into company I found they are not licensed in the state of Washington. I have sent a total of 4 emails requesting a revocation of my authorization to withdraw funds and have requested an email stating  they intend to honor my request. I forwarded them a copy of the rcw regarding washington state laws regarding non licensed lenders. I have not recieved an email back stating their intent to honor my request.
I called Macy 's CS in XXXX to make sure my auto payments of $ XXXX/month would cover the amount owed within the time frame left on the no-interest Special Event balance and was assured that it would. 

On XXXX I was checking my bank checking account and noticed the auto pay had been reduced from $ XXXX/month to {$25.00}!! 

Made XXXX attempts to reach a representative at CS. No options were available to connect to an actual person, unless I just hung on and did not input my account number. ( I was later told there was something wrong with the system. ) The XXXX rep I spoke to after waiting over XXXX minutes, XXXX, did not know why it had been changed, but agreed to cancel the {$25.00} auto pay and adjust them so account would be paid off within time framed allowed for deferred interest. I was again put on hold. 

When she came back on the line, she said I had made the payment of {$25.00} at a Macy 's store. I HAD NOT and on my end it clearly stated that it was a web initiated payment. I asked to speak to a supervisor and was put on hold, again. 

When supervisor XXXX came on the line. she explained that the change in payment amount was because of a system upgrade linked somehow to XXXX XXXX and all auto payments scheduled were not carried over. I asked how Macy 's could change contractual arrangements it had with its customers and not advise them of the change?? She said I had made the auto pay arrangements through my bank, which I had not. I asked her how she was going to fix this and was put on hold again! After a lengthy wait, my call was DISCONNECTED. 

This entire unsatisfactory process took at least and XXXX minutes and NOTHING WAS RESOLVED. 

I question both the competence and legality of this behavior on Macy 's part and am therefore sending a copy of this letter to the Consumer Finance Agency.
The law firm Aldridge Pite Haan , LLP has been assigned a debt for collection by XXXX XXXX which represents the merchant 's ongoing efforts to help the State of Florida to retaliate against me for calling attention to the federally institutionalized denial of due process for groups protected under Federal Fair Housing Laws, embodied by HUD through the absence of any provision for HUD rules to be adjudicated in Federal Court or for county judges to be required to recuse from any landlord-tenant disputes involving HUD rules within any municipalities wherein HUD Programs are not fully privatized, because of the automatic financial ties county judges have to any landlords participating in HUD Programs within those municipalities -- especially given that county judges are not actually qualified or even authorized to rule on Federal issues. Note in the attached Complaints that XXXX XXXX refused to even forward my XXXX XXXX dispute from last year to the merchant, subsequent to failing to uphold my dispute against the XXXX XXXX XXXX a few months prior, wherein I had detailed my efforts to address the aforementioned federally institutionalized denial of due process for groups protected under Federal Fair Housing Laws, instigated at the insistence of the authorities in the Southeastern portion of the country -- on behalf of Southern-based businesses, such as XXXX XXXX -- that Democracy must never amount to anything more than a subterfuge necessary to extend the influence of XXXX Oligarchy.
I had opened an account with Scottrade Bank some time ago. The account was left dormant and forgotten about. 

However, I recently tried to call Scottrade Bank to check my balance and close my account. After talking to support from the National Service Center I want told that I was unable to close my account because it had a negative balance. 

The support person told me on the phone that this was a result of fees I had agreed to when opening the account. I asked the support representative for a copy of the account agreement and was told I needed to contact my local office. 

After contacting my local office they said they could mail the requested information to me, but after 6+ weeks, I have yet to receive a copy of the contract and dispute provisions.
Experian Date : XXXX XXXX2017 Report # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX PA XXXX is not my address or has ever been any address of mines. Please provide document proof to me or Remove/Delete
We feel that due to the lack of integrity of our loan officers and their team we were forced to pay {$1800.00} in extra costs associated with securing our mortgage from Pacific American Mortgage DBA XXXX Home Loans. We were told that they were familiar with HUD FHA XXXX Streamlined Loans. When in fact they were not. They were not honest with us on more than XXXX occasion. Due to this dishonesty our closing was extended twice which forced us to change plans twice, i.e. extend our obligations. Specifically, we were forced to find an alternate location for belongings to include our XXXX XXXX pull trailer and XXXX XXXX XXXX ( rented storage at XXXX ), pay rent for one and a half extra months at XXXX XXXX at XXXX Apartments with all utilities and insurance, also due to being forced to reside in this location personal belongings were vandalized ( XXXX XXXX XXXX, window broken and work tools stolen, actually totaling {$500.00} ).
Hello, I have a business credit card that was closed by XXXX after the business ( XXXX XXXX XXXX XXXX XXXX XXXX ) went out of business. The business ' debt ( roughly {$12000.00} ) is sitting on my personal credit report and is hurting my credit so badly that my once perfect credit is now in the red. I will not be able to purchase a car or a house because this has affected my credit so poorly. I reached out to XXXX and Equifax to notify them that this credit card was a business credit card that was never a personal card. XXXX wiped the card from my personal credit score in a matter of days, however, Equifax did not. Equifax told me that they would not do anything and that I should reach out to The Consumer Financial Protection Bureau and the State Attorney General Office. I have a letter from XXXX who opened the business credit card stating that it is in fact a business credit card and that they do not have a signed application from me. I would like this business transaction wiped off of my personal credit. Thank you in advance for your help.
I disputed a XXXX XXXX bill on my credit report, XXXX removed the item 2 times and they keep putting it back on my credit report. As of XX/XX/XXXX it is back on my credit report. it was removed on XX/XX/XXXX XXXX file number XXXX. XXXX  XXXX XXXX , XXXX XXXX XXXX, XXXX Ma . XXXX { XXXX } is the credit collector noted on the report
The unvalidated items listed on my credit report in violation of Federal Law [ 15 U.S.C Section 1681 ]. This company is required under the FCRA to have a copy of the original creditor 's documentation of file to validate that this information is mine and is correct. In the results their first investigation, they stated in writing that they " verified '' that these items are being " reported correctly ''. Who verified these accounts with valid proof? They have NOT provided me a copy of ANY original documentation ( a Consumer contract with my wet live signature on it ), as required under Federal law. Under Section 611 ( 5 ) ( A ) of the FCRA, they are required to " ... .promptly DELETE all information which can not be verified. '' Under the Administrative Enforcement [ 15 U.S.C. Section 1681s ], the law is very clear to remedy the Civil Liability for willful noncompliance [ 15 U.S.C. Section 1681n ], Civil Liability for Negligent Compliance [ 15 U.S.C. Section 1681o ] and Obtaining Information Under False Pretenses [ 15 U.S.C. 1681q ] if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts to be validated or deleted immediately under these false allegations. I have no contracts with these corporations ... .15 U.S.C. Section 1692f. This is also a request to remove all non-account holding inquiries over 30 days old as I did not initiate these inquiries. They are required by law, according to [ 15 U.S.C. Section 1681b ] Section 604 ( c ) to remove all inquiries that I did not initiate. What valid proof does the creditors/companies have for the inquiries on my credit report to be, according to them, " a factual record of file access '' when I have no account with them? Non-account holding inquiries and unvalidated inquiries that remain on my credit report that they failed to with maximum accuracy to validate and verify shall be remedied by enforcing my rights under the FCRA. The following inquiries  need to be removed from my credit report immediately. Thank You, By : XXXX XXXX XXXX XXXX
I reached out to XXXX and Experian and XXXX on several occasions by CERTIFIED MAIL ( which I have proof of ), bringing it to their attention that XXXX XXXX was reporting inaccurately with the amount I allegedly paid to settle a debt and they have all refused to remove it besides XXXX. The 1st certifed letter was sent on XXXX X/XX/17. Second letter was sent X/XX/17. Third letter was sent X/XX/17.And the final letter was sent X/XX/17.. XXXX conducted a FULL investigation and realized that I was right and removed the inaccurate account from my report. Experian and XXXX have continously lied and said that it was verified as accurate which I have proof of that that is not at all true. I would like to move forward with a lawsuit and complaints against both parties for refusing to honor my rights as a consumer to only have ACCURATE information reporting on my credit reports.
I have asked that Equifax update my file through XX/XX/XXXX they have { no payment } information from XX/XX/XXXX-XX/XX/XXXX which they stopped I want all payment info from XX/XX/XXXX-XX/XX/XXXX
On XX/XX/2018 I purchased a XXXX vacuum and financed through XXXX XXXX XXXX XXXX XXXX -parent company Scott Fetzer Financial Group Our agreement was that my first payment would be XX/XX/2018 with a 10 calendar days late payment Im made my first payment on XX/XX/2018 using my 10 day grace period On XX/XX/2018 I hard a hard inquire on my credit report because we are correctly financing with a bank and it came back that I had a LATE PAYMENT on XX/XX/2018 the day I signed Parker work for the vacuum, when I called the company ( XXXX ) they said that this was false and that they they did not run my credit-the report said otherwise-and that my account was in good standing with them
I got this Credit card while I was an employee at BMO Harris. During the time that my father passed, I missed a payment and it has been on my credit ever since. It is the only late payment that I have had since I 've had this card and it is affecting my credit score. I have been calling to find a resolution to this situation.
I received two letters and they both were dated for XX/XX/2017 from XXXX different collection companies. I made an settlement agreement with Capital Management Services, L.P., but decided not to pay because one letter state XXXX XXXX XXXX out of XXXX, SC and the second letter was from Capital Management Services out of XXXX Ny and both list XXXX as the owner. On my credit report XXXX XXXX services and XXXX XXXX XXXX are both reported. Please confirm whom is the correct collection of this debt. The original owner was XXXX XXXX
I had over draw protection XXXXautomatic payments come out, I call the bank to get a loan, they decline me over the phone XXXX to fix my acount, decline. I was in a car accedent XX/XX/17. Went in for XXXX My acount got over drawing, no help from the bank over draw fees over XXXX last year alone and closed my last week, now no way to pay my bills XXXX default services XXXX   XXXX XXXX XXXX. XXXX XXXX XXXX XXXXoh XXXX XXXX oh XXXX
Chase Bank is reporting a credit card on my credit report that was not opened by me. I have previously complained about this to Chase however the negative reporting remains. I am a victim of identity theft. I have previously shared with Chase Bank a copy of my lease which shows that I did not live, work, or have any association with the address that they used for the credit card account. I have had to dispute other accounts as well. I am attaching the letters from other financial institutions which have investigated and found that the accounts established in my name are not mine. I encourage Chase to pick up the phone and call the other banks to verify that they did an investigation and found that these accounts were not mine. Chase is the only negative information on my credit report. If this is not resolved within 10 days I will be instructing my attorney, XXXX XXXX, to bring a lawsuit and seek compensatory damages.
I paid off my car loan XXXX 2015. Istill do have not received a clear titleafter numerous contact with loan co. 
have been paying full coverage $ XXXXper month. can get liability for $ XXXXfor 6 months The payoff wasinstructed to send to XXXX XXXX XXXX XXXX XXXX, SC XXXX
I do n't know anything about this debt. I have never been without insurance in my life! I have never received anything from them in the mail.
Well Fargo Dealer Services is incorrectly reporting three late payments, these payments were never late. They tried to force me to buy their " insurance '' product ( which a federal judge ruled against Wells Fargo and ordered them to fix issues relating from this illegal act ). I have ask Well Fargo Dealer Services several hundred times to address this issue and stop reporting false information. They have hung up and tried to micromanage my speech. They refuse to get the proper senior executives involved to address the issue. I have tried for many many many many years to resolve this issue with them and every time they act more like unruly high school kids.
O n    XXXX   XXXX    ,2017   I  sent  NCC Business Services a  pay for delete letter and a {$50.00} check to have the record removed f rom all    XXXX   credit reports upon cashing the check. NCC is attempting to collect a debt that was previously handled.
This account has had a hold for over 3 years. I have sent over documents requested to Capital One for verification to remove this hold. I have just recently resolved the annual fee being charged to me for the past 2 years and it was credited back to the account. However this is useless because I have no card to use this account, therefore a credit is useless unless I can use the card. I have called and left voicemail to the representative handling the last complaint, with no call back or card replacement. My last correspondence to Capital One was a fax with all my verification documents almost 3 months ago. Still no card or response.
I have an XXXX Equity Line loan with SunTrust Bank. For more than two years now, I have begun to make more than the required payment ( additional payment toward the principal ) every month. SunTrust has been unwilling to provide a statement or history of my payment since I have begun to make the additional payments. I have called several times and requested a balance and payment history other than what was being sent to me monthly of which I believe the balance is incorrect and the extra payments have not been applied appropriately. SunTrust has indicated to me that it is against their policy to release payment history other than what was available online, and what is available online is inaccurate and incorrect. The loan department has refused to send me this record and unwilling to show how my additional payments are being applied. This is quite unfair to consumers not to be able to see or request a payment history. I believe something is wrong with this picture and I am demanding a full payment history of my equity loan account with SunTrust bank. This practice is very common with SunTrust. I have shut all my accounts down with SunTrust because of their lack of transparency and the mistreatment of consumers. The consumer is at the mercy of this bank.
I have disputed several times and have not gotten the results I wanted, and the customer service staff was n't any help in assisting. Please remove ALL address off my credit report EXCEPT : XXXX XXXX XXXX, XXXX XXXX, FL XXXX And please correct my name on file to : XXXX XXXX. 

No other names or addresses should be on my credit report. 

Thanks.
On XXXX XXXX, 2016 and again on XXXX XXXX, 2016, I sent Wells Fargo " Requests for Information '' ( RFI ) and " Notices of Error '' ( NOE ). 
Wells Fargo did not comply with my inquires and sent me XXXX letters delaying the reply. 
It has been over 120 days from the first RFI NOE and 60 days from the second NOE.
I reviewed my credit report and saw a collection item from AFNI Inc. which I was never aware of and never received any kind of correspondence. I disputed the item through the XXXX credit reporting agencies and this company responded to them in record time that these items are valid which is untrue. I then sent a letter via certified mail in XXXX and got absolutely no response. Yet instill this collection item is still currently on my credit report and causing me to be denied credit.
Dovenmuehle mortgage transfered my loan to XXXX with an incomplete file ... for 3 weeks I have been unable to make any progress on getting {$7000.00} of my insurance money on a completed project ... can not no progress after hours on the phone
I was approved for a XXXX HAFA short sale on XX/XX/XXXX by XXXX XXXX the first mortgage holder. I also has a 2nd lien from XXXX XXXX XXXX XXXX/Synovus. I was notified on XX/XX/XXXX from XXXX XXXX and XXXX XXXX that they would consider a {$7500.00} payment from the first lien holder. Six months later I had negotiated a contract and the condition for the first was that the XXXX could get {$6000.00} which was negotiated in the contract. When I told XXXX XXXX XXXX XXXX I had a contract and was ready to close they said they would NOT forgive the debt ( {$55000.00} ) but would release the lien to allow it to close. The payment was only {$55.00} a month at the time and I did n't know what else to do. Although, a condition from XXXX was never met.. '' prior to releasing any funds to a subordinate mortgage/lien holder, the servicer through its agent must obtain written commitment from the subordinate lien holder that it will release the borrower from all claims and liability relating to the subordinate lien in exchange for receiving the agreed upon payoff amount. '' The clear intent of this government program was to help customers who were underwater on the values of their home to avoid foreclosure. XXXX XXXX XXXX XXXX  refused to accept ANY funds, even if it reduced my liability. They clearly skirted the real intent of this program by not accepting any funds thinking they could still go after the borrower for the full amount of the lien. How can they arbitrarily pick and choose which customers they decide to accept the short sale on and which ones they do not? I met all the terms for the HAFA program. I closed on the short sale XX/XX/XXXX and never signed a new note or understood the terms at closing. On XX/XX/XXXX I received a " Demand for Immediate Payment '' letter for the {$55000.00} which was the first notification I received although I had been paying the {$55.00} on time. Apparently it was a 10 year note and it was due. They gave me 10 days to pay off the note. I hired an attorney and have been trying to settle. I offered them {$10000.00} ( which I do n't think I even owe that ) and they would NOT accept any payment but wanted the entire amount. The question is.. was in XX/XX/XXXX a 2nd lien holder under a HAFA loan allowed to not accept any monies and in turn go after the full amount from the borrower? In the servicing Guide of XXXX, Part VII, Section 604 : Preforeclosure Sales it reads XXXX XXXX IS REQUIRING ANY PAYMENTS TO SUBORDINATE LIENHOLDERS TO BE PAID FROM THE SALES PROCEEDS AT CLOSING FOR EITHER A SHORT SALE OF DEED-IN-LIEU OF FORECLOSURE, IN EXCHANGE FOR A LIEN RELEASE AND FULL RELEASE OF LIABILITY FOR THE BORROWER. ALLOWABLE PAYMENTS FROM THE SALES PROCEEDS TO ALL SUBORDINATE LIENHOLDERS TO FACILITATE LIEN RELEASES MUST NOT EXCEED {$6000.00} IN AGGREGATE. XXXX XXXX XXXX XXXX/Synovus is requiring {$55000.00} to release the lien. Again, this was clearly not the intent of this program. My attorney felt like I was " strong armed '' in to closing this deal.
Paypal limited/froze my account on XXXX XXXX, 2015 for reasons that have not been revealed to me. They stated they would release my remaining funds {$280.00} within 180 days. To date, they have not released my funds despite numerous emails that have gone unanswered.
I have a savings account with CapitalOne 360. On XX/XX/2018 they transferred {$170000.00} out of my savings account into an external account belonging to my wife that doesn't even have my name on it, and subsequently closed the account. They closed the account because I apparently exceeded the maximum 6 transfers per month out of my savings account in two consecutive months. Instead of calling me, or perhaps blocking my 7th transfer, or even texting me, they decide to unilaterally close my account and arbitrarily transfer the money into an account that happens to be linked to my checking account even though that had no idea who it belonged to. What if it was my contractor 's account, or what if my wife and I were divorced? This qualifies as downright gross negligence to me and I strongly urge you to penalize CapitalOne to the greatest extent possible. 

I called CapitalOne and their Manager acknowledged " this part of their process needs to be refined ''. Are you serious???