WillisBack/dataset-financial-user-claim huggingface dataset:
Logged into the synchrony bank for amazon and I get a message about credit card protection service. I click the box to skip this and it ignores me. hit the button to learn more and than it attempts to force you to sign up for the service. Just one more problem with a bank trying to steal money from an honest individual.
Hello, On XX/XX/2018 I attempted to open a checking account at Suntrust bank at the XXXX location in XXXX XXXX, Maryland. There is an offer online where if you submit your email they will send you a promotional code for a bonus of {$500.00} dollars upon opening the account and receiving a direct deposit of {$2000.00} within 60 days as well as complete 10 debit cards purchases. I brought my code in to the branch and spent an hour with the bank manager setting up the account as well as submitting a {$100.00} opening deposit. Everything seemed well until the banker could not see the offer attached to the account after opening. She reached out to her headquarters where no explaination was given as to why it didnt work. She then closed my account and refunded my {$100.00}. I have tried to reach out via phone to suntrust customer service and they give no answer as to why I could not open account.
This XXXX XXXX debt was never mine as I have NEVER lived in XXXX over the age of XXXX, never applied for credit, nor service from that company. Additionally, I made this known as suspected identity theft and the item was REMOVED from my credit report. However, it has been re-added saying that it is an open account as of XX/XX/XXXX.
Recently, Chase has updated their web site which has made it almost useless. You can not find the information you need. I had to revert back to paper statements because their system is so obtuse. I also rarely use their online payment system because it is so buggy. I really feel that they have done this to make it harder on the consumer and the likelihood is more fees will be charged through no fault of mine. When I contact customer service through their website, no easy task anymore, the answers I get do n't even address what I asked! If I could pay this off and use another company I would, but I am stuck with them.
About 4 months ago this company REV 1 Solutions appeared on my credit report I advised rep I do not have a debt neither a contract with this collection agency I requested the collection agent to produce a contract signed for this debt so I can verify as well as requesting this debt be verified and not validated by them as well as requesting a copy of their license to practice in Florida never received anything debt was removed off credit report go to check my report this morning after an alert and this same debt agency is back on there. Please have them send a contract I signed with them for this debt from the creditor as well as them that they are claiming I owe along with a copy of there license to practice in state of Florida I have NO Contract with REV 1 Solutions so please quit trying to collect for a debt I do n't owe as well please cease any credit reporting unless they produce proof of a contract and license to practice
National news stories being circulated on or aroundXX/XX/2018, reports that CitiGroup and XXXX XXXX  XXXX are using their powers to restrict banking by using their enormous market power to discriminate against customers based on lawful firearm-related business activities. It is reported that they are targeting businesses based on firearm policies and any other legal transactions, industries, and businesses they disfavor, prohibit, or boycott. 

My concern is that as a LEGAL citizen, they will decide if I can or can not use my money, via their credit card or bank account, to make legal purchases. That is counter to the U.S. Constitution ( 2nd Amendment ) and the fact that I am making a perfectly legal purchase based on U.S. and State Laws. If they, Citi or XXXX, do not permit financial transactions with legal business, then that is a form of discrimination. 

As a point of comparison, use and purchase of XXXX is allowed in some states, but prohibited by Federal Law. Why does XXXX or Citi allow people to make purchases with those businesses? Nor do they make policy statements that they will not support these businesses financially. Firearms businesses/manufacturers are legally operated businesses under Federal and State Laws, it is not the bank to decide what is legal and illegal in the United States, but legislatures. 

Thank You
I was reviewing my credit report and i paid the collection account for {$140.00} with XXXX XXXX XXXX XXXX and Kings Credit Service has verified that, i have the call recorded. Yet it still shows as a debt on my XXXX credit report. When i went to see them in XXXX, the VP of operations told me that they report to the bureaus on the XXXX of each month. She assured me that it would be correct by XX/XX/XXXX. I checked in XXXX it was still there. I called tonight ( XX/XX/XXXX ) to ask why do i still owe and they said that i didn't owe anything. If they are going to be diligent with regards to reporting debts, they should be as diligent with removing it.
Every day for at least a year I have been getting several calls a day from XXXX Service. The actual number on the caller ID is XXXX XXXX or some variation. I usually do not answer, they never leave a message, but recently they have been calling so much that I decided to answer. Either no one is there or a recording comes on telling me to call another number which turned out to be Diversified XXXX Services. I called the number Diversified left and was told Performant was trying to contact me. I have payment arrangements with Performant where they automatically deduct payments from my account each month. When I told the collector I am making payments each month per arrangements they said they just want to verify my information. I confirmed the information, none of it has changed, however today as always they start calling at XXXX I answered the third time they called today and a person answered and hung up. What do I do to get these people to stop? Why are they calling me when I am making payments on time each month? There is a disconnect between the collectors and those making the payment arrangements.
For about one month, I have been contacted almost daily by ABC Financial ( Phone # XXXX ) by robo calls and email messages regarding a debt they contend that I owe to XXXX at a gym in XXXX, CA. I have contacted them twice ; once to understand why they believe that I owe this debt and once to tell them to cease this harassment. 
They say that I owe an XXXX XXXX account for gym dues ; however, I do not have now, or ever had an XXXX XXXX card. 
I explained this to them and informed them that there are several other XXXX with my first name in our area and that they have the wrong person. Also, I advised them that I have never been in the gym that they represent. I was thanked by my contact and was told that they would investigate further. 
About a week later the calls started again. After a few days of such calls, I contacted the company and explained the situation all over again. I also advised my contact that I would contact the Federal Trade Commission if I received another call. The contact said that she was removing me from the file and that I would receive no more calls. I thanked her, warning her again of the consequences of further annoyances. Two days ago, I received another call.
There is a negative report that I have a collections open. This was for a never received bill from XXXX which I did not get because I moved and it was not forwarded to me by the landlord from XXXX. It went to collections. I paid this immediately when I was informed over 5 years ago. I want this removed. It has been so long I have no record.
This company ran a credit check on my without my consent or authorization. I have no idea who they are or what this was about. I disputed it but they did not delete it off my credit history with each of the three credit bureaus. This should be deleted off my credit report on / with each of the three credit agencies immediately as it was unauthorized. 

Thank you.
XXXX XXXX XXXX XXXX calls me at least 5 days a week. Got called on XX/XX/19, XX/XX/19, XX/XX/19, and I believe also XX/XX/19. 
I have told them repeatedly to quit calling and to use the postal mail service for any business they have with me. They just keep calling.
I applied as a cosigner in XX/XX/2019 with SOFI to refinance my daughters student loans. I completed the credit application and provided all documentation requested. I was never notified of a credit decision. My daughter was sent an email on XX/XX/XXXX that I was ineligible as a cosigner. I contacted SOFI on XX/XX/XXXX, and was told over the phone that my credit application was WITHDRAWN and an email was sent to me on XX/XX/XXXX, I did not know what WITHDRAWN meant considering i applied for credit and provided all necessary documentation for a credit review and was told that a hard credit pull was completed. I asked to speak to a manager to file a formal complaint based on the fact that I applied for credit regardless I was a cosigner or primary that I completed a credit application and provided any requested supporting documents which included a hard credit pull that I was not formally notified of a decision simply that they could just withdraw my request for credit. My complaint I believe includes several of illegal business practices. I believe if I did not qualify under SOFI 's standards then the application should have been declined, I should have received a formal notification in writing which would allow me to follow up as a consumer. I do not understand how a company can legally pull my credit and then simply Withdraw my application and not provide information to the consumer. I do not understand how the other party involved my daughter the primary applicant received an email that I as the cosigner was ineligible, when I myself as the applicant did not receive proper notice. I believe legally when a consumer applies for credit via a credit application provides all necessary documentation to complete the application the application needs to either be declined or approved and the consumer needs to be formally notified. I do not see how SOFI can legally pull a hard credit pull find a reason not to qualify my request and simply WITHDRAW my application. Tell me that my application is Withdrawn, and email my daughter that I am ineligible and not give me any information on why I failed to meet or what their credit requirements entail.
Hello I have been with this mortgage company for 12 years and I pay them every month, I disputed how they were reporting my information they have been effecting my credit score for years so I sent a letter to the bureaus to pay attention to my report and they still are neglecting to correct their mistakes. I will list mistakes now 1. High Balance is missing 2. Payment history showing 120 days late for over a year how is this mathematically possible? Does this sound right? The Limit is also missing.
I was shocked when I reviewed my credit report and found late payment on the dates below : 90 days past due as of XX/XX/2011 60 days past due as of XX/XX/2011, XX/XX/2011 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
I recently pulled my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never done business with this company and they have never provided me any goods and or services
I am requesting that EXPERIAN immediately delete the address listed on my credit file as reported and previously listed on the EXPERIAN Credit File as : XXXX XXXX XXXX XXXX, XXXX, WA XXXX. Address indentification number : XXXX, Single family XXXX
I went to purchase a vehicle on XX/XX/2018 and come to find out there are numerous inquires from the last YEAR I did NOT recognize. I contacted customer service to help and it was stated that there was a breech and inquires were removed and then put back. I HAVE NOT received ANY notice of this and wanted the last YEAR removed. I was told she couldn't help me. I am a single mother trying to make it on my own and I need to get my credit together after a nasty divorce. I have recently found out MORE inquiries were added. Please remove the inquiries from 2018 other than XXXX XXXX AND XXXX XXXX as those were the ONLY XXXX I gave permission to do so. This is XXXX XXXX mistake and Why was I not notified????
In 2007, I applied for a reverse mortgage loan secured by my personal residence from XXXX XXXX Bank, who has since merged with M & T Bank. The purpose of the loan was to cover catastrophic healthcare medical costs for my daughter, who had a XXXX that make me incurred in medical expenses in excess of {$9000.00} a month. 
After being told that I was approved, I executed multiple loan documents that the Bank communicated were to document the reverse mortgage loan. In reality, the Bank has instead given me a commercial line of credit that was made to look similar to a reverse mortgage and that allowed them to draw on such line of credit and have agents of the Bank invest on the drawn funds. The funds so invested were wiped out and the loan fell into default. 
The original Loan amount was {>= $1,000,000} and the Initial draw 's monthly amount was {$10000.00}. From this amount {$6500.00} was used to pay first the interest on the mortgage, and I would receive the remaining {$3500.00} The Bank has now threatened to initiate foreclosure actions against me for defaulting on a loan that was doomed to fail from the very beginning. I relied on the Bank representations that they were going to invest the loan proceeds and that through their financial savvy I was going to have income for life. 
I did not have the capacity to understand the complex commercial transaction that the Bank induced me to sign. The commercial line of credit that they induced me to sign for allowed the Bank to invest all of the loan proceeds in the stock market ; and to my detriment, they lost more than {$400000.00}.
I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : Account Number : XXXX 180 days past due as of XX/XX/XXXX to XX/XX/XXXX 150 days past due as of XX/XX/XXXX 120 days past due as of XX/XX/XXXX 90 days past due as of XXXX XXXX Account Number : XXXX 180 days past due as of XX/XX/XXXX to XX/XX/XXXX 150 days past due as of XX/XX/XXXX 120 days past due as of XXXX XXXX 90 days past due as of XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.
I am in Foreclosure with a Sale date scheduled for Tuesday XXXX/XXXX/16. BOA instructed my Realtor XXXX XXXX to upload documents to equator as well as fax to begin the Short Sale process. The documents were faxed to BOA on Tuesday XXXX/XXXX/16. XXXX has attempted to upload information in the equator system but BOA has NOT set up the file as promised. I am concerned that as in the past BOA will run out the clock and cause us of filing late when we have been trying.
Transunion refuses to block fraudulent accounts on my report from dispute to remove debt buyer XXXX XXXX XXXX XXXX. I submitted a dispute and they have validated the reporting after I submitted a police report and and an FTC Fraud Affidavit. This company is a debt buyer on accounts that I did not open.
On XX/XX/2017 I made a large purchase for 3 XXXX gift cards at XXXX # XXXX. After running my Discover card a computer error occurred and a manager was called to assist ( Transaction # XXXX ). The manager informed me that store policy states a customer can not purchase 3 of the same brand gift cards in one transaction. Due to the computer error no cancellation receipt was printed. I then inquired if I could purchase 3 different brand gift cards in the same transaction and the manager confirmed I could. I then purchased the 3 different cards ( Transaction # XXXX ). I than left the store and called Discover to inform them of the indecent. Discover informed me that I would need to wait a few day for the transactions to process and the cancelled transaction would be credited back to my account. Without digging into to my phone records I do not have dates or the exact amount of calls placed to Discover. Transaction XXXX was in the amount of {$1500.00} and transaction XXXX was in the amount of {$1500.00}. After investigations by Discover I was told XXXX validate both transactions so I requested they open the disputes again. Discover reopened the disputes. The next time I called I was told that the disputes where settled so I requested info on the validation and discovered both transaction where validated using the receipt for transaction XXXX. I informed Discover of this error and reopened the disputes again. lack of communication from Discover caused me to call them to check the status again. I was informed that the disputes where closed and validated. I again requested that the disputes be reopened due to the inability of Discover to properly validate both transaction again informing them that they validated two different transaction with the same receipt. They informed me that the time frame to dispute one of the claims had passed and they can only open one. This turned into a supervisor review of the dispute and more time wasted. The next call lead to Discover informing me that there is nothing they can do and should take my depute to XXXX. I contacted XXXX and they sent me to the store manager at the store the transactions where made. The XXXX manager informed me that they have very little information on transaction as old as this ( Past 6 months ). However the store manager allowed me to photograph a department sales report and void receipt. This was all they had left of the on file. This information showed transaction XXXX voided. I called Discover and gave them this scanned photo. Discover sent it for a second supervisor review. Shortly after I received an email stating " After reviewing the information you provided, we determined that we've already considered this information or it was insufficient and we could not continue the dispute. '' I put my faith in Discover to properly validate these charges. I informed them multiple time of the error in there validation of two different charges with the same receipt. Discover left me n a situation where I have to pay them for a {$1500.00} transaction that was not validated, interest on the amount and drop in my credit score due to the added balance.
This company ( Medical Business Bureau ) reported a collections account debt on my credit report ( XXXX ). They did not send me any written letter regarding the existence of the debt. I have never done business with this company and the info posted to the credit bureau is false and a violation of my right under FCRA.
There are numerous addresses and employers that are incorrect on my report. I have asked that they be removed so that all of my credit reports match. I have sent in  XXXX  letters,  XXXX  fax, and called once and nothing has been changed.     The only address that should appear :  XXXX   XXXX   XXXX   XXXX , Ky  XXXX  The only Employer that should be listed is :   XXXX   XXXX
I had information removed from my Equifax credit report twice and they have sent notification that the information was being removed however within 2 weeks the information was placed back on my file.
XX/XX/2017 ONEMAIN FINANCIAL Promotional Inquiry XX/XX/2017 ONEMAIN FINANCIAL Promotional Inquiry XX/XX/2017 XXXX XXXX Promotional Inquiry XX/XX/2017 XXXX XXXX XXXX Promotional Inquiry XX/XX/2017 XXXX XXXX   Promotional Inquiry XX/XX/2017 XXXX XXXX Promotional Inquiry XX/XX/2017 XXXX XXXX Promotional Inquiry XX/XX/2017 XXXX XXXX XXXX   Promotional Inquiry XX/XX/2017 XXXX XXXX  Promotional Inquiry XX/XX/2017 XXXX XXXX XXXX Promotional Inquiry XX/XX/2017 XXXX XXXX   Promotional Inquiry XX/XX/2017 XXXX XXXX Promotional Inquiry XX/XX/2017 XXXX XXXX Promotional Inquiry XX/XX/2017 XXXX XXXX XXXX   Promotional Inquiry I did NOT inquire about any of this!
I purchased a car from regional acceptance corporation XX/XX/2014. I started off with XXXX and have paid XXXX on this loan, the payments are XXXX a month. The loan is still at XXXX, it 's crazy. In 31 months I have basically not been reducing my loan amount at all. I have tried to refinance for a lower monthly payment, they will not work with me on this. They have sent me off to other lenders and nobody else will work with me, not even my own bank because the value of the loan and XXXX price of the car is XXXX. I have over XXXX in negative equity. No loan officer, nor car dealer will work with me. I am praying and thank GOD that a door will open. I was gon na make bigger payments to try and pay the car completely off, just not able to make that happen right this minute.
I received a letter from someone that appeared to be an attorney 's office ( Jonathan Neil & Asociates ) advising that I owe them {$1600.00}. The letter threatens to suspend my drivers ' license and vehicle registration. This is a fraudulent claim. I spoke to an insurance company previously and advised of what had happened and that I was in involved in an accident. They advised that they would be in touch. I never heard anything back and then received this letter from a company that appears to be a law firm threatening to suspend my license and registration. I have written them asking that they send any proof they have or do not contact me.
I ORDERED AND PAID FOR AN EQUIFAX ACCOUNT AND I STILL AM NOT GIVEN A LOGIN TO VIEW MY CREDIT. I FAXED OVER THE INFO THEY NEEDED BUT AM STILL NOT ABLE TO ACCESS MY CREDIT.
I was shocked when I reviewed my credit report and found a late payment on the dates below : XX/XX/2018 a 30 day late was recorded I am not sure how this happened, I believe that I had made my payments to you when I received my statements. I also believe that my Auto Payment is or should have been set up on auto-pay. My only thought is that my monthly statement did not get to me.