WillisBack/dataset-financial-user-claim huggingface dataset:
I responded to a mail solicitation from Chase offering a balance transfer with a zero per cent interest rate. I applied and they issued a credit in my name within seconds. The problem is, they offered to transfer only part of my balance. I called immediately and told customer service that I did not want their offer and not to issue a card or open an account in my name. Within a couple of days I received in the mail a credit card. I also received a notice telling me that the account was closed. When I called customer service again I was told that I have a credit line of {$4000.00}. I did not want to transfer a balance from one card to another unless the transfer eliminated the original account. Now, they tell me that all this will be reflected on my credit report. It seems to me that this was a fraudulent offer designed to simply open a credit card account.
Citigroup announced in XX/XX/XXXXtheir new policy of discriminating against lawful companies who sell legal firearms. I contacted them and advised that I have a Citicard through XXXX and I will not in good conscience continue the use of the card if they are going to continue discriminating against Constitutionally protected commerce activities. They offered no defense of the policy and would not answer if they thought it would likewise be appropriate for a bank to refuse banking services to XXXX or XXXX  companies if they felt it appropriate to discriminate against them. My tax dollars bailed out this bank 8 years ago and they are as such government subsidized.
XXXX XXXX was awarded a Garnishment Judgment in XX/XX/XXXX. Their Collector did not attempt to collect on this Garnishment until XX/XX/XXXX. Without warning or notice. According to the ARS 12-1551 ( B ) https : //www.azleg.gov/XXXX This creditor illegally garnished wages after the 5 year period. There is no record of them filing for an extension either. I have had this garnishment taken out of my check every pay period from XX/XX/XXXX - Current. I would like this creditor to stop taking money from me and to refund all funds they have taken. Amounts varied as this was based off of my Net Earnings, not to exceed 25 % of my pay. The second Garnishment order was given to the below creditor in XX/XX/XXXX. Six Years after the original Garnishment Order. This makes this order Null and VOID XXXX XXXX is my Employer. The original Creditor was XXXX XXXX ; their Collector is : XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. ; XXXX XXXX XXXX, AZ XXXX XXXX I would like a full refund of all of my funds that were illegally taken from me.
I was covered under medical at the ti.e of service but it went to colections before i recived any bills. They never want to accept any payments except to split in thirds and that is nust not happeneing and theu file with multiple creditors who duplicaye the account u fairly.imoacting the credit score
My account with an a XXXX XXXX XXXX  XXXX was open XX/XX/XXXX. They reported me be in late XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX and my account was never open. My 1st payment wasn't due till the end of XX/XX/XXXX, they also report it we be on late XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX which is totaled in 6 months past due. I was never late on these dates
On XX/XX/2018 I notified Citi XXXX XXXX card that I dispute all charges related to credit card number xxx XXXX. The charges at the time were in the amount of {$6200.00}. I explained that the account was not opened by me and I had no possession of the card issued under this account. I never authorized anyone to open or use this account. 
The card was opened by XXXX XXXX ( ex ) husband who is responsible for all charges. XXXX XXXX was making the payments from his accounts until our divorce proceedings at which time he stopped paying the card and handed it to me for payment. 

Citi XXXX XXXX gave no consideration to my statements and facts described in multiple letters dated XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 and XX/XX/18 and rejected my claim. 

I continue to dispute all charges of the Citi XXXX XXXX card account and there would be no further payments made for this account.
After multiples inquires with the general number and visiting the branch I was advised by Wells Fargo that I do not need an account to qualify for a personal line of credit. The website was n't explicit either hence why I deferred to calling the general number and visiting the branch before applying. After all my inquires I made it clear I was looking for {$100000.00} and wanted to know key eligibility requirements. I was never told an account would be a basic requirement ( even after asking ) and was led to believe income and credit would be the major factors. Nevertheless, after all my attempts to understand basic qualifications we ( my fiance and I ) were denied after applying primarily for not having an account. I not only think this was unfair but it was deceptive because other major competitors clearly outline qualifications which I will submit as evidence. 
To add insult to injury I was contact by an underwriter I believe from California to further question the application after applying. At this point I was advised we wo n't qualify for the {$100000.00} because of no relationship and minimum assets with Wells Fargo ( thank you for telling me after applying ). However, I felt somewhat relief that we would be able to receive a counter offer up to {$50000.00} without having a relationship per the representative. I was then advised to allow further processing and to follow up with the banker that assisted me. 
After, following up with the banker and her manager they were both in shock of the denial of credit considering our credentials and escalated the issue. Long story short, the resolution was we were not qualified because of no relationship and limited assets with Wells Fargo and too many recent credit accounts opened. Please be advised recent applications of credit and restructuring of my debt was tactical to reduce my debt to income and increase my chances of credit approval before purchasing a home which would increase my debt to income. 
Bottom line, had we known what we knew after applying we would n't have applied. We would n't have based our future plans on the possibility of a credit line and would have seek other alternatives. However we did, we felt like we did our homework and prepared for success but still failed due to misguidance. Now what?
Upon being denied from a lender for too many inquires on my XXXX report, I decided to check my reports from all three credit bureaus for accuracy. I have noticed there are inquired from Transunion, XXXX, and XXXX credit report that I DID NOT authorize and I had no knowledge of. I contacted all three credit bureaus immediately by phone and two letters and was give no relief. I also have a fraud alert already in place to avoid any future issues. Please see the following inquires that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of these companies received any identification or authorization from ME TO PULL my credit for any reason : Transunion : 1. XXXX XXXX XXXX XXXX Date : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX 2. XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX : 1. XXXX XXXX XXXX XXXX/XXXX/XXXX 2. XXXX XXXX XXXX/XXXX/XXXX 3. XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX 4. XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX 5. XXXX XXXX XXXX/XXXX/XXXX 6. XXXX XXXX XXXX XXXX/XXXX/XXXX 7. XXXX  XXXX XXXX/XXXX/XXXX 8. XXXX XXXX XXXX XXXX/XXXX/XXXX 9. XXXX XXXX XXXX/XXXX/XXXX 10. XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX 11. XXXX XXXX XXXX/XXXX/XXXX 12. XXXX XXXX XXXX XXXX/XXXX/XXXX 13. XXXX XXXX XXXX XXXX XXXX : 1. XXXX  XXXX XXXX/XXXX/XXXX 2. XXXX XXXX XXXX/XXXX/XXXX 3. XXXX XXXX XXXX XXXX/XXXX/XXXX 4. XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX
Medical Business Bureau has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
On XX/XX/2015, I viewed my checking account activity at XXXX, and a check I had written for {$80.00} had not been presented. I had a direct deposit scheduled for XXXX, XX/XX/2015. I checked my account summary again the next day, and noticed a {$35.00} fee assessed to my account for overdraft. My concerns are : 1. Exorbitant bank fees for the smallest infractions. 
2. There was money in my savings account to cover the {$8.00} that generated the fee. 
3. I was told by bank officials that they have previously returned fees to me and will not do it again. They fail to understand that I am the one that works overnight for the money, and it does not belong to them. I am supporting XXXX XXXX grandchildren and the money that they so casually deduct is needed for gas, kids lunch, etc.
I took out a 18 months zero percent interest by XXXX name change. I sign loan with XXXX company. They sent loan to Wells Fargo and they set payments low so i could'nt pay off in 18 months. I 'm a senior and did n't realize this. Until 18 months was sent bill i owe XXXX company still XXXX and Wells Fargo XXXX interest. Please help me to understand this. Im just confused. Need Help!
On XX/XX/18, I was browsing on refinancing my current vehicle. I came across the XXXX XXXX website and just for my own curiosity filled out their form to see what kind of offers were out there. I did not provide my social security because I was not that serious about refinancing. If I had been asked to provide my SSN, I would have stopped right there and forgotten about the whole thing. Next thing I know, I received a credit monitoring alert that my credit report had been pulled. I called Lending Tree to see how this was possible given that I had not provided a SSN. Apparently they do not need you to provide this to be able to pull your credit report and I agreed to all this by clicking on the Submit button because buried deep in the Terms of Service this means I had consented. I admit I did not read all 30 pages of their terms of service prior to hitting the submit button because I thought I was safe considering I had not provided my SSN to them. How is this even legal?? What a scam. They count on consumers not reading the fine print and will continue to get away with this very deceptive business tactic.
In XXXX 2016, it came to my attention via my credit monitoring with all XXXX credit reporting bureaus ; XXXX, XXXX and XXXX that ( XXXX ) credit cards had been opened and utilized in my name with American Express. I notified American Express both via the phone and by filing a complaint with the CFPB regarding these accounts. On XXXX XXXX, 2016 I received a response from American Express REF # : ( XXXX ) concerning my case. In the letter American Express acknowledged that XXXX of the XXXX accounts was in fact deemed fraudulently opened where as the other XXXX were still under investigation. It also stated that it could take up to 60 days for their investigation to be completed. 

This past Thursday. XXXX XXXX, I was notified a total of ( 3 ) times by their now collection company representing one of the accounts that I originally disputed ending in :XXXX, the Amex Everyday card by their third party collection company ( XXXX ). They confirmed that the account they represented was the Amex everyday card ending in the aforementioned account number, that was all they would verify, and that they amount that was owed was {$2900.00}. I explained to multiple people during one of those phone calls that the debt was not mine and that I had already filed a complaint with the CFPB concerning this. Needless to say, they did n't care and proceeded to warn me of my consequences if I were to not rectify this debt by paying them. 

I am now filing another complaint to the attention of Amex concerning the remaining ( XXXX ) accounts that I have yet to receive a response on. Nevertheless, apparently AmEx has taken the liberty to assign and subsequently sell this debt to their collection company. First and foremost, I have never in my entire life had any accounts with this bank nor any of their co-branded affiliates. Again, I am disputing this account along with any other accounts that my be considered still open, sold or presently under investigation accordingly. 

Regards, XXXX XXXX XXXX
XX/XX/XXXX discharged Chapter XXXX Bankruptcy for a XX/XX/XXXX {$88000.00} home equity loan. Original obligation has not been discharged under Title 11 of the United States Code.
I opened this account with XXXX like 2 years ago. Sometimes this year i called the company and demand that it should be closed. They told me that i can keep the account open and that they will not charge me annual fee if i do n't use the card. Later on they called me and told me that i am owing money on the account. I explained to them what happened the last time i spoke with them, so they told me they will clear the debt and close the account. I think they called me 2 more times to ask that i pay the money, and on all occasions i explained to them that i have requested the account be closed. 

Later when i lost my job in XXXX, i applied for a load and they turned me down that my account is delinquent. I did n't understand what that meant, so over looked it. It was when another company closed my account with them and mentioned the same delinquency that i had to check my credit and saw that it was reported by XXXX as past due twice, one in XXXX and the other one in XXXX! Then i applied for a job and they would not proceed with me because i have a bad credit. XXXX sent me a mail 2 days ago that they had to reduce my credit line because i had a delinquent credit. 

I called XXXX XXXX and they told me the account was closed in XXXX XXXX! How can an account that was closed in XXXX, be past due by XXXX and XXXX? They told me that they reported it well and that i can file for a dispute and that was how i ended up here.
Ditech Mortgage notified me on XXXX/XXXX/016 that our loan was eligible for a modification. I requested that they lower our interest rate and modify our loan to lower payments. The additional requested documents were faxed to them as requested on XXXX XXXX, 2016. 

I recently checked their website for status of modification and it shows they were unable to approve our modification, however I have never had XXXX call from these people since this process began, never been asked XXXX question, or for any documents, other than by letter which I complied with. I want to know why they are so inept at processing a modification, that should have been good to go according to their letter dated XXXX
1. We attempted to work on a new loan modification with Bank of America and then XXXX but were denied. For years, we continuously submitted document after document being requested only to be denied for failure to submit documents ( which was untrue ). 
2. On XXXX XXXX, XXXX, Bank of America/XXXX sent my attorney a letter stating they received our request regarding a loan modification and it was referred to a specialist. 
3. On or about XXXX XXXX, XXXX, we received a letter BOA/XXXX, stating that we were denied a loan modification " after being offered a Trial Period Plan or modification, you notified us that you did not wish to accept the offer ''. This was not true as evident by the payments made by us from XXXX XXXX through XXXX XXXX. 
4. In XXXX XXXX, we were offered and accepted a trial loan modification plan. For almost two ( 2 ) years, we were making our monthly payments from XXXX XXXX until XXXX XXXX, without a problem. 
5. In XXXX XXXX, we sent in a payment and our check for the trial period amount was no longer accepted by the bank and it was returned because it was not the full amount. This was through no fault of ours and we were baffled as to why this sudden halt in payments and in the agreement. 
6. After two years, BOA decided to stop accepting the payments from us arbitrarily and without cause. They sent a letter denying their loan modification. 
7. Since then, we have been attempting to return to their modification plan and have received nothing but a mouse chase around from the Bank of America representatives. Our intentions are to keep the home for our family. We were being considered for the Department of Justice loan modification prior to their denial. 
8. We have been attempting for years to work out a deal with the bank. Last year we attempted to work out a keys for cash deal and because we could not clear the title due to old releases not being filed by the banks, however we were unable to do same. 
9. We ca n't provide what we do n't have or ca n't get. 
10. Now we are being told that our home will be put on auction. We feel railroaded and without options other than accepting the auctioning of our home.
This company is putting a delinquent account on my XXXX credit report, when it fact this delinquent account does not even exist. Their client, XXXX XXXX, used them to collect a debt that insurance paid, and they are inaccurately reporting bad data in my credit reports. I WANT THEM DELETED ASAP I believe that they might be under violation of the FDCPA for misrepresenting the fact I owe them money. I need them rectify ASAP
Online Information Services sent me a letter for an alleged debt I do not owe. When you speak with them they become evasive and hostile which is a flagrant violation of the Fair Debt Collection Practices Act. I have never heard of Online Information Services prior to their letter nor do I owe them any alleged debt. They flagrantly violate the Fair Debt Collection Practices Act with their hostile and evasive debt collection practices.
Navy Federal Credit Union, explained that they would not adhere to the XXXX, and my request to dispute certain items, due to perceived fraudulent transactions. In my official XXXX letter mailed to Navy Address in XXXX, Virginia I requested all statements, and ancillary information. I was informed by the Navy CSR that if I did n't imminently make payment I would be reported to the CRA as late. This is a clear and cut violation of the Fair Credit Billing Act, and its provisions that the CCPA codified XXXX which requires CREDITORS : " In addition to creating a mechanism for dealing with billing errors, the FCBA contains additional regulations, including the following : Billing statements must be sent at least fourteen days before the payment is due for open end credit accounts that have a grace period prior to adding finance charges. 
If banks report payments as delinquent to credit bureaus they must also report a charge is disputed. 
Credit card companies may not prohibit merchants from offering discounts to people who pay with cash or check. 
Banks may generally not use money in checking or savings accounts to pay a delinquent credit account with the same bank. 
The XXXX XXXX gives a consumer the right to sue or assert defenses against the credit company ( instead of the actual merchant ) in a dispute about the quality of goods or services received, to the dollar extent of the amount of the charge ( s ) involved. ( The dollar amount of the charge must exceed {$50.00}, and the purchase must have been made in the consumer 's home state or within XXXX miles of their address ( unless the creditor is affiliated with the merchant, in which case these restrictions do not apply ). The consumer must also make a good faith attempt to resolve the dispute prior to invoking this right. ) Especially now is all the more prudent to support openness and not be punished in light of XXXX which stated purpose that created the CFPB is " To promote the financial stability of the United States by improving accountability and transparency in the financial system, to end " too big to fail '', to protect the American taxpayer by ending bailouts, to protect consumers from abusive financial services practices, and for other purposes. '' Id say the mere treating of reporting me as delinquent when I challenged a statement is not only counter to XXXX its counter to the mission and work of the CFPB. I am disappointed in NAVY
On or above XXXX XXXX, 2016 I closed a saving account with Citi Bank located at XXXX XXXX XXXX XXXX NY XXXX. On XXXX XXXX, 2016 I received a promotion offer # XXXX to open a citi gold account and earn XXXX thank you point equal with {$500.00} gift card. On same day I went to citi bank branch address above but associate costumer service unknown name refused to open account who later called his branch manager XXXX XXXX XXXX who disrespectfully and arrogantly stated " I do n't allowed my employee to open account for you because you just closed one last month. I said that saving account has nothing to do with this promotion. he disrespectfully said : I 'm the boss and I 'm not allowed him to open an account for you just because you closed an account with us last month. I stated that I will file a complain against you and legal action. he aid " Go ahead and do it '' On same day I called citi bank and filed a complaint with XXXX XXXX ID # XXXX I asked for reference number she said that the system do not generate a complain reference number. On XXXX XXXX 2016 I called to find out the status of my complaint but my complain no where to be found. The costumer service filed another complain with reference # XXXX On XXXX XXXX 2016 I called back to find out the status of my complain which seem to be a dummy reference number. I filed another complain with XXXX XXXX reference # XXXX stated " do not think that they will fire branch manager just for that. On XXXX XXXX 2016 I called citi bank to find out about my complain. they said do not call any more citi bank executive manager will follow this matter. I said do I expect to receive any formal respond they said no.