WillisBack/dataset-financial-user-claim huggingface dataset:
I tried applying for a rental home in XX/XX/2017 and was denied due to finding that I was charged {$300.00} from my previous apartment complex. I called the XXXX XXXX leasing office and was told I was charged for carpet due to not being cleaned prior to leaving. The home and carpet was in good condition normal wear for XXXX year living condition. I was not aware that I should have it cleaned as most apartments improve the units with painting and carpet upgrades. Upon trying to get approval of the home I was directed to pay the debt and reapply. I paid the debt with the collection agency in which I did not have a contract with NCC Business and asked for it to be deleted upon payment and a receipt. I was denied for the home with payment due to the account negatively reporting. I recently applied for another apartment and had to pay the highest deposit due to the NCC Business account reflecting on my credit report. The account is severely affecting my renting reputation as I have never been late on a payment and was not aware of the charge. I have paid the debt and sent the company letters asking to delete and remove the account from each of the 3 credit bureaus with no response. I would like for the account to be deleted/removed from my credit report/history as I was not aware of the debt and paid the balance in full.
HSBC is dragging this out rather than just close the account, I did not see any way to update my previous complaint in which the bank refuses to close the account, now they are trying to charge me maintenance fees for an account they refuse to close. 
I have no access to the account and do not want it. 
I signed up for a promotion they offered, and they did not live up to the promotion, their representatives kept adding conditions that were not disclosed, and then telling me I did n't have the 'right ' kind of account in the first place. 
So the promotion was a fraud, I want nothing more to do with them, and their sham of a response 'needing more time ' is just their effort to drag this out and try to collect fees that I do not owe them since the account should have been closed.
I saw that Portfolio recovery associates was reporting a debt to my credit file.The account is listed as a XXXX XXXX account. On XX/XX/2017 I sent a certified letter with return receipt. I still have not received anything from them validate the debt.
I have a complaint pending with the CFPB and the practices of BMO Harris bank regarding a home equity loan that I have with the bank. Part of the agreement was that they were to pay off credit cards and private student loans as of XXXX XXXX, 2015. To date, nothing has been paid by BMO Harris. When I ask for proof of payments, I receive no response but I am told I am responsible for the {$34000.00} that they supposedly paid off. When I attempt to contact customer service I am told that I have to speak to the branch, that they are unable to assist. I do not want to lose my home because BMO claims to have made payments that have not been made.
We contacted IC Systems and we mentioned a credit check that was done on XXXX/XXXX/16 through XXXX. They could not find check in the system. We spoke to a manager, they mentioned they would not remove credit check. They said it was not their responsibility.
I applied and received a secured credit card from " HSBC BANK '', around XXXX, XXXX. After Closing account by phone notification, and offsetting credit balance by sufficient security funds held by HSBC BANK I deposited for the credit card, HSBC BANK continued to accrue interest and penalties against my credit balance. Years later, I discovered on my credit report an outstanding balance reported by HSBC BANK, and sold to other collection companies to perpetuate an updated date of debt beyond the 7 year limit of the law ( XXXX to XXXX ). I do not owe any principle balance or interest/penalties created by HSBC BANK or collectors that I resolved upon cancelling this credit card. My security more than offset any outstanding balance
My credit report has information that is not mine. Social Security number ending in XXXX is not mine nor my Spouse 's Social Security number. My wife 's Social Security ends with XXXX, her name is XXXX XXXX, NOT XXXX. My wife 's D.O.B. is XX/XX/XXXX. We were married on XX/XX/XXXX. 

Also, we never resided at XXXX XXXX XXXX, XXXX, FL XXXXXXXXPlease remove " XXXX '' and her Social Security number ending in XXXX from my credit report. Please input my wife as XXXX and her last XXXX number of her Social Security # as XXXX. Please remove XXXX XXXX XXXX XXXX, FL as an address of mine. I never resided there. 

Please contact me directly should you have any questions at:XXXX, FL XXXX-XXXXThank you, XXXX
I lost my job in XX/XX/2018, I called my loan company to see if I could use the coverage I signed up for when i originally signed my contract ( i.e. help making a payment if I was ever unemployed ), at the time I was told I'd have to make the XXXX payment before I could use the coverage. I called a few weeks after making the payment to discuss the unemployment coverage and was told that since I was not collecting unemployment ( I had been denied my state unemployment benefits ) that I don't qualify to use the coverage I'd agreed to when I signed my contract. I asked if there was anything they could do to help to which they said no. I asked to cancel the upcoming payment since it was set up for auto withdrawal ( since I knew I wouldn't have the money the payment ). I had accepted a job through a temp staffing company but it wasn't due to start until the end of XXXX. I started conversing with my loan company around the beginning of office, I advised them I was trying to keep my car from being repossessed and if they took their auto payment it would overdraw my account causing more issues and risk me losing my car. 

The rep I spoke with told me she had cancelled the auto payments on the loan and I'd need to re-set up the auto withdrawals going forward to keep my loan on a good payment schedule. Turns out the company still tried to withdraw the money from my account and I had to file a dispute with my bank and nearly lost my car. They even tried to make another auto pay withdrawal again on XX/XX/XXXX and I am disputing it again. They want me to make a payment or do an extension but the condition is that I would need to add auto payments back to the loan. 

I've received multiple calls a day, including within the same hour. I've also gotten multiple voice mails left within the same hour on the same day. Every call I get comes from a different phone number which is really upsetting me. I am feeling harassed and under undue stress.
I signed up for a free Paypal account and nowhere did I enter my social security number or any portion thereof. I logged in the next morning to see Paypal had the last XXXX digits of my social security number ( hereto referred to as " SSN '' ) and that I had a credit line. I was alarmed and called Paypal to ask how they had my SSN, without me ever entering it, and was told they obtain it through my name, date of birth and street address. I was taken aback and asked about the credit line, to which I was told I signed up for PayPal Credit. No worries, she said, it was a soft pull and they could close it. I closed the credit line due to never signing up for it and closed my Paypal account due to them obtaining my SSN without my knowledge or consent. I had a feeling I was lied to and it was a hard pull so I checked and sure enough, it was a hard pull on my XXXX report. I disputed the pull with XXXX and was denied because Paypal insists it was a factual pull. Per their request, I sent it a form asking Paypal to remove the pull and they refused - over and over again. Not XXXX single customer service rep expressed concern or surprise. On XXXX XXXX, 2015 the CFPB issued a complaint against Paypal for this very problem. With this as my proof they were in fact signing people up for Paypal Credit without their knowledge or consent, I again asked for them to remove the hard pull from my XXXX report. They again refused and asked me to forward the request to their Executive Escalations Team, to which I have not received any updates or response. 

Paypal signed me up for Paypal Credit, I did NOT apply for this service. I did NOT see anything informing me I was signing up for credit, when I signed up for regular Paypal. Their practices are deceptive and illegal. XXXX confirmed Paypal only used my name, date of birth and street address to do the unauthorized hard pull. I want the hard pull removed from my credit report.
On XX/XX/XXXX, I noted that a charge of {$190.00} was pending out of my Netspend account. The company that was attempting to charge the funds is XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX . 
I immediately called Netspend and was told by their representative that because the transaction was pending, they would not file a dispute until the transaction was complete. I told them this was not acceptable as I knew nothing about this company and had not made a purchase, nor was I authorizing any transaction with the company. 
Netspend told me that because a fraudulent charge had been made, they needed to block card and send me a new card. They told me, by doing this, they would be able to stop any further action on the account.
I spoke with a manager and she told me she would be refunding the money to the account, which she did. The following day, the funds were back in the account. However, in blocking the card, and therefore blocking the account, net spend made a transaction by the IRS to remove {$500.00} from the account, impossible.
Yet, the fraudulent company, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , who made an attempt to draw out funds again on XX/XX/XXXX, was able to do so for {$190.00}, thus making the funds Netspend had reimbursed the account for on the XX/XX/XXXX no longer available. 
I called Netspend again to try and resolve the issue and I spoke with an agent, and a supervisor, only to be told that NOW I needed to submit the dispute in writing and it would take 10 days from the date Netspend receives it to help qualify me for reimbursement on a fraudulent transaction that I tried to prevent in the first place.
In the mean time, I have no access to my money in the Netspend account, as I am still waiting for the new card.
I called Netspend again today to close the account and to have access to my funds, only to be told I have to wait for the card to arrive.
I tried to file a complaint with Netspend, which they took over the phone, but refused to allow me to speak with their complaint department or their legal department, and refused to even send me a copy of the complaint they are supposedly submitting.
I have tried to communicate through Attorneys to  resolve the inaccurate information on my credit report with XXXX XXXX XXXX and XXXX XXXX. XXXX XXXX agreed to correct the inaccurate amounts owed and remove the negative reporting of Three ( 3 ) XXXX XXXX XXXX XXXX accounts from my credit report, once the accurate amount was paid. I agreed and paid the accurate amounts. XXXX XXXX XXXX XXXX reneged on our agreement and continued to allow the inaccurate information to be reported by XXXX XXXX and XXXX XXXX companies, which consisted of duplicate accounts with different account numbers. 

1. ) XXXX XXXX XXXX is a agency assigned by XXXX XXXX and XXXX XXXX to handle this account reference # ending XXXX. 
I paid {$260.00} dollars to accurately resolve and ( Pay  in Full ) this account on XXXX XXXX, XXXX. 
***Paid in Full Letters Provided*** 2. ) XXXX is a agency assigned by XXXX XXXX and XXXX XXXX to handle this account # XXXX. 
I paid {$200.00} dollars to accurately resolve and ( Pay  in Full ) this account on XXXX. 
***Paid in Letters Provided*** 3.XXXX is a agency assigned by XXXX XXXX and XXXX XXXX to handle this account # XXXX. 
I paid {$130.00} dollars to accurately resolve and ( Pay  in Full ) this account on XXXX XXXX, XXXX. 
***Paid in Letters Provided***
XXXX has been non-compliant with removing the unverified account XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
I have complained about XXXX on my credit report with XXXX XXXX XXXX, XXXX from 2010. I threatened to file a lawsuit for a procedure he did on me personally and highly embarrassed me and I told him I was going somewhere else. When I did, the doctor said what he stated was wrong was not right and it was the WRONG XXXX. I advised him I would not pay the bill, I talked to him on the phone, he even called the second opinion doctor. He advised me he would remove the charges and I just got a copy of my credit report and saw this on there. I am fighting to have this removed. Please do what you can. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX Phone number, Social is XXXX. Thank you!
On XXXX XXXX, 2017 I cancelled this loan transaction under the Truth In Lending Act. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX ignored my written requests to close the account even though I sent them via certified mail signature receipt the written and signed " notice of right to cancel '' which they indeed signed for. They are continuing to harass me over this and report it on my credit report even though I have formally disputed it. The cancellation of this account was recorded in XXXX County,  New Mexico and I can provide supportive documents upon request.
XXXX XXXX from JMS Associates ( XXXX ) XXXX called our office asking for XXXX XXXX who is an old associate of this company. The gentleman advised that it was impertinent he speak with XXXX this instant regarding a financing settlement in their office and pushed and used aggressive speech and tactics to try to get me to give away XXXX contact info. I advised him that XXXX no longer worked in this office and he rudely replied again in an aggressive tone that this is the number XXXX provided, as if I was lying about XXXX no longer being affiliated with us and demanding to get his contact info. Once again I said to him that he was calling an office line and that XXXX no longer worked here but that I would take his info and give XXXX the message. We hung up. The next day the same guy calls me with the same tone, I reminded him XXXX no longer worked here but that I did him the favor of giving him his info for him already and that he was not to call this office anymore. He began yelling at me telling me I did no favor for him and that he had every right to call and that I had no idea what I was talking about and proceeded to harass and use aggression and yell at me with rude behavior until I finally hung up. This is a violation of section XXXX which constitutes a {$1500.00} fine. This man # XXXX should not be discussing someone elses debt with me over the phone and telling me about XXXX settlement and I am not the debtor nor is he allowed to use those tactics with the debtor. He also did not identify himself as a debt collector when calling. He said he was a law office calling about a financing settlement. When I look online it is clear this office is a debt collector.
The bank charges extremely high over draft fees.   My account was  XXXX  dollar  I o verdraft It by  XXXX  dollars I Now have  7 over draft fees..  <P/>   XXXX   XXXX     XXXX   XXXX   shut down ...   I dont want a first citizen account ... Even though you may purchase my account does n't make me forced to keep the account ... I do n't want to do business with first citizen
My wife and I were having difficulty with our mortgage payments because it was a variable rate. Over time the loan payments went from {$2000.00} to {$2600.00}. We wanted to refinance/re-modification, the bank rejected our application twice. At this rate if nothing is done we might be in position of not being able to keep up with payments. We have children who are under XXXX. Repeated calls went unanswered or fell on deaf ears.
I received a marketing letter from Sunset Finance about a loan offer in the mail. I needed money quick for immediate living expenses and decided to contact Sunset. Big mistake, these guys are loan sharks. I did not realize the interest rate was 87 %, what a rip off and a way to take advantage of someone who fell on hard times. Now they are calling my friends, family an colleagues 2-3 times daily, leaving voicemails and triple-dialing my work phone. I sent a cease and desist letter and still getting calls disrupting me at work. These collection practices are unethical and unnecessary. I let them know I was in a car accident but does not seem to matter.
FOX COLLECTION CENTER XXXX XXXX XXXX XXXX, TN XXXX Phone : XXXX XXXX XXXX Acct. No. XXXX Fox Collection Center reports to have a collection account dated XXXX in the amount of {$160.00}. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore I request validation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me.
Search ID XXXX Search Type Address Mover Completion Date 2017XXXX ( 2 ) I have never lived in this state someone is using my birthday and information please take this off this is not me
I contacted both the collection agency XXXX XXXX XXXX XXXX. and the creditor, ( XXXX XXXX ). The creditor investigated and then sent me a letter stating that this NOT my debt and will inform the credit bureau 's to delete this account, however EQUIFAX refuses to delete this account in spite the request to delete the account from the collection agency, which was also sent to them on XX/XX/XXXX, and me faxing them the same letter clearly resolving me of this debt from the creditor twice, once on Tuesday, XX/XX/XXXX and again on Thursday, XX/XX/XXXX. To this date,XX/XX/XXXXEquifax continues to say they have not received any contact or information from the collection agency and they can not use the information that they have finally received from me until it is " verified '' and that they are still investigating a dispute sent by me, I only requested one dispute and they state it has since been resolved and that it is still my debt. I do n't understand what they are still investigating when there is clearly nothing left to investigate, this is unjust, and unfair and this account needs to be deleted immediately. I have also filed a fraud report with the FTC
This company is reporting a debt to credit bureau and never sent me a letter. I have sent them a letter requesting verification and have not received a response.
Getting calls from a number from a company claiming to be Midland. Caller says name is XXXX XXXX and he threatens to deliver papers to my place of employment and a case is being filed against me. I 've already been to court and settled with Midland.
Please reference the letter I am attaching. I sent this investigation request to XXXX  and XXXX XXXX on XXXX XXXX. Nearly 3 months have gone by, and neither have responded. They were supposed to respond within 30 days.
I had three credit accounts with XXXX XXXX XXXX. I got into some financial difficulties and I was not able to make my payments on time to capital one. After several failed attempts with XXXX XXXX XXXX to reduce my monthly payments or to make an arrangement with me so that I can keep paying capital one on time my accounts went into collection and charge off status with capital one. Within a few once my finances started picking up. I called capital one to pay for the debts. I was told that they can offer me a settlement amount on each three accounts and I a pay the settlement offer in one payment instead of making monthly payments. So I made payment on the accounts as follow : My three accounts ending in XXXX charged off on XX/XX/XXXX, with a balance Of {$2100.00}. On XX/XX/XXXX, this account was settled for  {$1100.00}. My account ending in XXXX charged off on XX/XX/XXXX, with a balance of {$2100.00}. On XX/XX/XXXX, this account was settled for {$1000.00}. Your account ending in XXXX charged off on XX/XX/XXXX, with a balance of {$870.00}. On XX/XX/XXXX, this account was settled for {$430.00}. All of which I paid and paid in full. 
Now I previously file a complaint that capital one is not reporting these trade line correctly. These accounts are paid and on XXXX XXXX XXXX these account are not reporting that I paid these account. So it makes the account look like I did not pay any money on these accounts when I paid these accounts over 3 years now. For the whole 3 years Capital one has been violating both state and federal law and reporting these accounts inaccurately. Now according to new York State Law paid charge offs are supposed to be remove from a consumer report 5 years after the first date of delinquency. I would like Capital One to remove these accounts off of my credit files being that they have been reporting it inaccurately for some many years, and has caused me and my children hardship.
I pulled my annual credit reports from all XXXX bureaus. There is an unauthorized hard inquiry on my XXXX report. I could not dispute this with XXXX ( it rejected 4 times! ). This same creditor is listed numerous times online for unauthorized hard inquiries so I figured this is a job for the CFPB. While we still have one. There is NO account, just the inquiry. Here 's mine : Hard Inquiries : XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX
these lender do n't care becuase all my payment just pay interest and dose not pay toward the princlbe
I do n't know how much they are charging in fees because the debt collector wo n't mail me a statement. He says he needs a payment arrangement before he sends me anything in the mail. When he called me, for the second time at work, and I answered him for the first time, he accused me of having a blaze ' attitude and shamed me for ignoring him. He was very unprofessional. When I requested he mail a statement, he said he could n't do that unless I gave him a debit card. I just want something to be sent to me in the mail. He scolded me for not calling him, and I told him I only respond to letters when collections are involved, but no one has ever sent me anything from his company.