WillisBack/dataset-financial-user-claim huggingface dataset:
I went to the atm machine at citizens bank at XXXX XXXX XXXX, XXXX, pa XXXX to get money from my XXXX XXXX XXXX credit card. I did this on XX/XX/XXXX at XXXX and the machine said " action selected is not available at this time. please retry '' so at XXXX I retried to get the money and the atm said " amount entered exceeds the available balance. Please try lesser amount ''. at XXXX on XX/XX/XXXX I called XXXX XXXX XXXX and I was told that the {$23.00} I asked for was issued to citizens bank the first time and they were unable issue another {$23.00} a second time. so on XX/XX/XXXX I saw the bank manager ( XXXX XXXX ) about the atm did not give me my {$20.00} and did claim {$23.00} on my credit card. he said it was not his problem because he is not in charge of the atm. he said I was going to have to try to get it back myself. so on XX/XX/XXXX I called citizens bank and talked to a XXXX XXXX and she said there was nothing she could do. I talked to XXXX XXXX XXXX on XX/XX/XXXX and filed a complaint and they thought citizens would not ask for the money. on XX/XX/XXXX I wrote a complaint letter to XXXX XXXX XXXX , ceo of citizens bank usa in XXXX, ri XXXX and have not heard anything from the bank. XX/XX/XXXX XXXX XXXX XXXX called me and told me that citizens bank demanded the money. XXXX XXXX called citizens to try to get the money back. they talked to XXXX XXXX and she took down a formal complaint from me and XXXX XXXX XXXX on XX/XX/XXXX. so far I have not heard from the citizens bank about my {$23.00}. I tried talking to someone on XX/XX/XXXX and after making 3 phone calls to citizens and being bounced around 6 times I decided to write to you. 

I feel they stole my money because they were told before they took the money that I never got it in the first place. they put it in their accounts and not mine despite me trying to get it from them.
The following are Unauthorized HARD Inquiries on my Credit Report. Please I am asking for assistance to remove them. I am trying to buy my first home and these are a problem for me. Please help me. They are all on my XXXX XXXX and Experian reports I would NOT have given the Authorization to run my Credit in multiple sequence as such such as I know very well the Negative impact that it can have on me. I really need your help with this. I have called multiple times and all I do is get a Voice Tree that never takes me to a Live Human whom I can Speak with, I get cut off as they are asking for information that I do not have and would not have had as I do n't have an account with them, the few times I do get a Live person they do n't know who to transfer me to. Please Help me Thank You. 

Name of Company - XXXX XXXX XXXX Inquiry Added XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX Name of Company - XXXX XXXX XXXX Inquiry Added XX/XX/XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX TX XXXX Phone : ( XXXX ) XXXX Name of Company-XXXX Inquiry Added XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Name of Company- XXXX-Date Inquiry Date -XX/XX/XXXX XXXX XXXXXXXX, TX XXXX ( XXXX ) XXXX Name of Company-XXXX -Inquiry Date-XX/XX/XXXX XXXX  XXXX, CA XXXX ( XXXX XXXX XXXX Name of Company - XXXX XXXX I -Date Added-XX/XX/XXXX XXXX  XXXX I XXXX, MN XXXX ( XXXX ) XXXX Name of Company - XXXX XXXX XXXX Date Added- XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ( XXXX ) XXXX Name of Company - XXXX XXXX Inquiry Date-XX/XX/XXXX XXXX XXXX  XXXX, IN XXXX ( XXXX ) XXXX Name of Company - XXXX XXXX XXXX Inquiry Date- XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Name of Company XXXX Inquiry Date XX/XX/XXXX XXXX XXXXXXXX XXXX, TX XXXX ( XXXX ) XXXX Name of Company XXXX XXXX XXXX XXXX- Inquiry Added XX/XX/XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX TX XXXX Phone : ( XXXX ) XXXX Name of CompanyXXXX Inquiry Added XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Name of Company - XXXX XXXX XXXX Inquiry Added XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX/XX/XX/XXXX XXXX -Inquiry Added Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquires XX/XX/XXXX & XX/XX/XXXX XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
This company does not use proper collecting practices when calling consumers, they never recite the disclosure statement when initial contact is made, the agents use threats of actions they can not legally carry out. Today XXXX/XXXX/XXXX an agent threatened my daughter whom has assumed payments on my common law husband XXXX Cadillac DTS. The agent told her that XXXX my vehicle a XXXX XXXX that was purchased at a later date and different owner account is connected and since she could n't make payment XXXX vehicles will be sent up for repossession. An agent by the name XXXX refused her partial payment stating she has to have the whole payment putting her further behind. These agents have made personal remarks insinuating having a personal relationship with my husband to my daughter. My husband even called today to ask for a 10 day payoff and again the said representative XXXX replied she would call him tomorrow with that information. A 10 day payoff should have been performed while my husband was on the line, there 's no way he should have to wait for that information.
On XX/XX/2018, I sent a dispute letter to Account Control Technology , Inc. disputing an entry they placed on my credit reports. In dispute, I specifically requested that they provide : *An agreement that states thier authority to collect on this alleged debt ; *Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor *Alleged account number *Date this alleged debt became payable *Original delinquency date *Verification that this debt was assigned or sold to collector *Complete accounting of alleged debt *Name and address of the bonding agent for collection agency in case legal action becomes necessary Account Control Technology, Inc. neglected to submit the information as requested that would validate the debt. Additionally, they failed to submit any documentation that bore my original signature, failed to provide the original delinquency date, did not provide proof that the statute of limitations had not expired for this debt, did not provide the complete accounting of the alleged debt, did not prove that they have the authority to collect on this alleged debt in the state of Texas nor did they provide the name and address of the bonding agent for their collection agency in case legal action becomes necessary. 

Account Control Technology , Inc. must delete this unvalidated, unverifiable, inaccurate, erroneous entry from my credit reports immediately!
ok this is my second time I talked to this people XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX.. OK they called me today and tried to use scar tactics on me. They tried to get my information to verify a debt from 1991 this is illegal back dating of debt that's not minds.. I don't owe or have any idea of what they are talking about.. second when I didn't want to give them my information she got very aggressive with me and threaten me if I did not agree with the debt. So I asked her for the original contract with my name on it ... she said they don't have to provide that.. the fair debt credit act states they must verify any debt if I requested this debt be verified .. they have to have me signature on the original contract. or me on video signing the original contract or my ip address from my computer.. according to the fair debt collection act. they are in Violation of this act ... I want them to stop Harassing me stop with the threats ... I don't know how they got my information or who they brought this re aged debt from 1991 from but definitely not me.. stop selling my information. my name and credit is good now for years now and I don't owe anyone anything please help stop this scam and lie please..
I have been making payments to XXXX XXXX XXXX. I am qualified for loan forgiveness through the public service program. However, my sevicer continues to charge me over {$600.00} per month in payments. They are telling me this is the only payment I can make to qualify for the forgiveness. At this rate U wont receive any forgiveness I will pay double what my original value was. Furthermore, I have used any extra money I can to pay towards my principal balance.! i have repeatedly asked that they apply all my extra payments that way. Despite this I have discovered they are still applying it as paid ahead and taking interest payments out! After more than a year. I have been paying this amount for 3 years and have paid extra. Thats over {$21000.00}. Yet my balance has Gone down less than {$13000.00}. This is really unacceptable.
Hello, On  XXXX / XXXX / XXXX , I was trying to settle my charged-off student loans with  XXXX  ( formerly  XXXX   XXXX   ).  Because the of the account status,  XXXX  would not speak to me directly and my calls were automatically forwarded to  XXXX   XXXX   XXXX  (   XXXX   ), their third party debt collection agency. On that date, they offered me a {$18000.00} cash settlement to close out the account, which I was unable to pay so they agreed to monthly payments in the amount of {$250.00}. On  XXXX / XXXX / XXXX , after making all my payments on time, every month, with no issue, I had saved enough to settle the rest of the account and called  XXXX . I spoke with  XXXX   XXXX , a manager, who assured me that if I paid the {$14000.00} that my account would have a {$0.00} balance and  XXXX  would update my credit reports. So I paid the {$14000.00} and was provided a reference number of  XXXX . I received the settlement offer and a {$0.00} balance letter in writing showing that my account was settled in full. I let a couple months go by and my reports are still not updated. I submitted disputes to all  XXXX  credit bureaus on  XXXX / XXXX / XXXX  and it 's still showing that my account is charged-off, with an open balance, a past due amount and payment terms after the investigations were completed. This is not right. I settled these accounts so I could improve my creditworthiness and now it 's almost as if I never made the payment. I even had   XXXX   re-report that the accounts were 120 days past due on  XXXX / XXXX / XXXX  when I had already settled the account 45 days earlier. Can you please help? I do n't know what is happening.  XXXX  had to get approval from  XXXX  to settle on the account so I do n't understand why they are not updating all of my reports.     I 'm attaching the settlement offer as well as the {$0.00} balance letter for your review.
PNC Mortgage is not allowing a short sale to proceed because the XXXX buyer cancelled the purchase. A few days later a XXXX buyer submitted a complete package to PNC Mortgage, but PNC refused to delay the trustee 's sale to allow the 15-days needed to approve the new deal. This is a violation of Cal. Civ. Code section 2924.11 ( d ) because once the buyer and seller was approved for a short sale and proof of funds supplied PNC was required to file a notice of rescission of the trustee 's sale resulting in dual tracking.
it in XXXX 2015, 15 years later. XXXX XXXX said they did n't and they did n't have too. They have no documents and said i could n't dispute it. It was never sent to collections nothing. I do n't think i owe a debt. Then they moved {$870.00}. If they made mistakes then and now why am i fighting and losing the battle. I think i shpuld have been notified instead of them just seeing that i had a credit and decide to take money. Where is the due process here? Why did n't it go to collections? Why am I being told i ca n't dispute it? What 's the statute of limitations?
On XX/XX/XXXX I sent {$900.00} to my brother-in-law from my checking account with BB & T using XXXX. He immediately received a notification from his bank, XXXX XXXX XXXXXXXX, about the money. On XX/XX/XXXX I sent {$550.00} and again he got a notification from XXXX XXXX  XXXX. We tried to download the XXXX app on my b-in-law 's behalf but got a reply of " alias duplicate registration ' '' several times. I called XXXX. Their Customer Service told me that I had to check with my bank so I called BB & T. The response I got was not to worry, that if he didn't claim the money, it would return to my account after 14 business. Meanwhile, we called XXXX XXXX XXXX, who turned us back to XXXX, and XXXX to BB & T. 
After several days of waiting, probably more than 10, XXXX XXXX XXXX mentioned that the phone number I used, and my brother in law got it from XXXX in XX/XX/XXXX, had previously been used by a customer who had an account with XXXX XXXX XXXXXXXX, to receive money thru XXXX. I inquired about the name and they said they couldn't provide because of privacy laws. I demanded that BB & T started an investigation. On the phone they said they couldn't do anything to help me. The woman who I spoke to tried to say that if I mistyped the phone # or the name, it's my responsibility. However, that's not the case, both are correct. The banks claim they can't release the name because of privacy laws but XXXX XXXX  XXXX failed to verify that the name of the payee was not who I sent the monies to. BB & Tsent me a form with some questions to answer. It arrived very late so I brought it in person to a manager at  the BB & T branch in XXXX NC. He notarized my signature and took the letter to send with their internal mail. But nothing else was informed. 
I don't want to be left in the middle. If BB & T endorses XXXX for money transfers, which they do in their literature and as a big slap in my face ... When I called and was on hold for more than 30 min, all I heard over and over, was how secure and fast and this and that XXXX is. But there was obviously a big flaw in safely transferring your money. 
I DEMAND THAT BB & T, XXXX AND XXXX XXXX XXXXXXXX, RETURN MY {$1400.00} IMMEDIATELY.
On XX/XX/2018 Experian reported my account as enrolled on a consumer credit counseling service. That action prevented my 19-year-old bank, XXXX XXXXXXXX XXXX from extending a loan for a new vehicle. XXXX XXXX  XXXX had 3 of  my homes, my auto and has never being paid late, by denying my application without even considering my credit record, current income and impeccable history with them, they are discriminating against me under the FCRA act. 

There is no difference between a person like me that negotiated a re-payment plan with a few credit cards and never defaulted and a person that either has horrible credit or bankrupt. That is unfair to me and any other party that has kept their re-payment agreement as negotiated several years back. 
We are suffering the same faith as a bankrupt person. There is no incentive on us trying to protect our credit, we still get XXXX XXXX. 

I did not cost any of the credit cards income or default on their books. I just negotiated a better rate that they do offer to other clients. This is not fair under the terms of the FCRA. 

Please advise of ways to correct this. 

Sincerely XXXX XXXX XXXX Member of the XXXX XXXX  XXXX XXXX
I have never requested a fraud alert and made several attempts in attempting to get the fraud alert removed. I wrote one credit bureau about a balance discrepancy and the next thing I knew I got a letter that one credit bureau would take it upon them selves and notify the other XXXX national credit bureaus about a fraud alert to be placed on my credit reports I then wrote in with all my personal information and the only response I can get is the fraud alert has been extended. I did not request any fraud alert and now I have been discriminated against over an active credit card account with no card because the card is worn out.My privacy rights were violated and discriminated against when I was denied a new card over a fraud alert that I never requested. If someone thought that I had requested a fraud alert then the credit bureau should have contacted me in writing the consumer to confirm that I had requested a fraud alert, next how do they get a fraud alert out of a balance discrepancy, and last nobody got my permission about placing any fraud alert on my credit reports. My privacy has been invaded and I do n't know what to do to be compensated but I again contacted the bank that wont give me a new card and they still claim that the fraud alert has to be removed from file before the card can be issued so also that is called discrimination. what is the verification process for if they are going to deny me over a fraud alert.
ACCOUNT SERVICES COLLS ARE REPORTING A {$140.00} FOR A MEDICAL BILL FOR XXXX THAT MYH INSURANCE HAS ALREADY PAID. XXXX AND XXXX HAVE SINCE REMOVED THIS DEBT AFTER MY INQUIRING FOR VALIDITY. NO VALIDITY COUND BE PROVIDED AND THE ACCOUNT WAS REMOVED. I NEED XXXX TO DO THE SAME ASAP.
I am a victim of Predatory lending. I was given a pick-a-payment loan in 2006 and Wells Fargo said that they could only help me modify if the loan was in default and advised me to stop making payments and then they would modify the loan. They said they were participating in the Help for Homeowners program. They also said because of my age and the fact that I was an unmarried single woman that women are considered a high risk. I eventually went into foreclosure because they would not work with me and now I am in Bankruptcy court. We filed a modification and had XXXX meditations. In the first mediation on their Good Faith estimate they using to try to show I did n't qualify, they had a XXXX forced place home owners insurance on the document and also the wrong amount for my salary. They told me and my attorney to submit proof of new insurance and more pay-stubs which they already had. I sent them my new Homeowners policy for XXXX and more pay-stubs the next day. In the next mediation they said they would need a letter of explanation regarding my bonuses I receive from my job and I submitted that the same day. In both mediation they said once we produce the documents and letters that my figures were good and I would have no problems qualifying and getting approved. Then we got a denial. So now we are starting the process all over again. Houses ' are going up in my area and I believe they are using stalling tactics, so they can get more money or try and kick me out. They are refusing to work with me even though I qualify. I also have requested all documentation such as the Appraisal of the property and the original Good Faith Estimate with their fraudulent figures in it. And any and all documentation they used to prove to me why they denied me. They have yet to produce any of their documentation.
Out of necessity I used Money Gram money transfer service to send money international, I pay the fee service required to send money with the promise that will only take 5-15 minutes to be available for the recipient to claimed. It has been more than 10 days and my money does not reflect as being deposit. For the last two weeks I have contact MoneyGram to find out the status of my transfer, which every time I have contact I have been informed that my money is ready and available to be claim, when my recipient tries to claim the money it does not appear available. I have asked MoneyGram for a clear answer, however MoneyGram has not been able to provide me with a clear response as to where my money is or what happened. I requested for my money to be reimburse immediately, I was informed today that it will take 10 days in order for me to get my money back, which is something that does not reflect in their policy. I am a hard working individual, and if used the system is out of necessity, I do not want others to go to the same struggle I am going through. It is not acceptable for MoneyGram to lied about their service, it has cause many troubles with this issue.
Requested and received preapproval for auto loan from  XXXX  on  XXXX / XXXX / 2017 . Bought car from   XXXX   XXXX    XXXX   XXXX   XXXX ,  XXXX   XXXX , MO  XXXX , (  XXXX  )  XXXX . Dealer had participation agreement with  XXXX  for purchase so no need for additional inquiries to be ran. Did NOT authorize additional inquires. Dealer ran inquiry through their system on  XXXX / XXXX / 17  without authorization. Also ran  XXXX  additional inquiries thru  XXXX  portal without concent on  XXXX / XXXX / 17  and  XXXX / XXXX / 17 .  XXXX  stated they only initiated inquiry on  XXXX / XXXX / 17  which we agree. the other  XXXX  are invalid, did not consent for  XXXX / XXXX / 17  and  XXXX  on  XXXX / XXXX / 17 . all  XXXX  should be removed.     I talked to th e Finance Manager  at  XXXX   XXXX  and he said he had to run report due to liability. We did NOT concent to inquiry since we already were preapproved thru  XXXX .
There are many wrong items in my report. I have never paid late these accounts :  XXXX  Account #  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   Account #   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   Account #   XXXX   XXXX   XXXX   XXXX   -   XXXX   XXXX   XXXX   Account #   XXXX   XXXX   XXXX   XXXX   XXXX    -   XXXX   XXXX   XXXX   XXXX   -   XXXX
I have responded to the first notice from Optimum Outcomes and provided them with copies of canceled checks showing the account was current and had been paid in full. I have repeatedly asked them to not call me that the number they had was also a business number, the owner of that number has told them not to call but they have ignored the request and continuously call. They will not leave me alone even after proving the debt was not owed.
Multiple hard inquiries on my credit report for a XXXX account that is lowering my score. Have disputed numerous times and can not get removed. I did not authorize these multiple inquiries. I do not have a XXXX account.
In XXXX we received an email that our loan was purchased by LoanCare. The end of XXXX we received another form email that the transfer was complete. However we never received any USPS mail with account specific information. 

I mailed our check and added a note that we did not receive info about our account and could they please mail us account information. Additionally I explained we do not receive mail at the physical address so please send the our PO Box ( the address was supplied ) In XXXX same thing. No mail so I sent the payment and a letter. Again please send to PO Box . 

Today we were served a threatening letter that they were going to foreclose on us and we were behind on payments. We have never missed a payment and have tried over and over to obtain information about our loan. 

Please help us get our account information On a note this is the 3rd company this year to have our mortgage and this is the only company who will not mail us a statement.
Hello, I am writing in response to the Equifax data breach. As an individual that has been impacted by the neglect of a corporation, I urge the CFPB to guide Equifax in removing the conflict of interests in their proposed solution. 

Equifax should pay for consumers to use another credit protection service other than their own service as a result of their negligence. I am not a current or former customer of Equifax, nor do I wish to use their services. However, I do wish to protect my credit information.
On XX/XX/XXXX a debt was paid in the amount of {$530.00}, payment receipt # XXXX to XXXX XXXX XXXX, XXXX. A representative of XXXX XXXX advised that the updated information will be updated with bureaus within 14 days. As of this day, XX/XX/XXXX bureaus are still reporting incorrect information. I called XXXX XXXX again this date and no one was able to advised me if the information has been updated. NOTE : My checking acct shows payment withdrawn in the amount of {$530.00} on the XX/XX/XXXX. 
The use of credit is updated within hours on reports, it should also update within hours when repairing, repaying, or logging incorrect information complaints with creditors.