WillisBack/dataset-financial-user-claim huggingface dataset:
The purpose of this communication is to initiate the complaint process. 
The claim complaint is based on : ( 1 ) Non selection ( 2 ) Non referrals ( 3 ) No interviews ( 4 ) Never hired to work for the employer. On line web site duplications documents are included to verify applications submitted to the employer, from beginning XX/XX/XXXX to the most recent XX/XX/XXXX. Other applications were submitted before XX/XX/XXXX. 
Application content confirms the use of : ( 1 ) Background information checks ( 2 ) Credit reporting history - credit reports to confirm applications completions. Application section verifies race, other demographics. Applicant submitted additional documentation to verify race and XXXX. 
Factual background relative to the aforementioned claim complaint stated includes pertains to initial paper applications submitted during theXX/XX/XXXX. 

Rejected applicant is : ( 1 ) XXXX ( 2 ) Male ( 3 ) Not XXXX ( 4 ) Over the age of XXXX ( 5 ) Veteran ( 6 ) XXXX a. XXXX b. XXXX. 
These are the bases for the claim complaint. 
Separate documents were submitted with applications to designated identify the applicant 's demographics. 
At this point, employer 's selectees are unknown and no communications have been confirmed to the Human Resources department to justify the selectee 's demographics with the rejected applicant 's demographics. 
Employer 's specific reasons, pretext ( s ) for non selection, non referral, no interviews, never hired to work for the employer are unknown. 
Investigations would be vital and produce results to verify the claim complaint.
XXXX XXXX XXXX has account reported as charged off. {$14000.00} written off. {$9200.00} past due as of XXXX 2017. This account went to collections 2 yrs ago and is currently being paid thru them at {$220.00} per month and on time.
After receiving a copy of my 3 bureau credit report in XX/XX/XXXX, I noticed that Pro Collect was reporting a balance of {$1000.00}. I am unfamiliar with this company so I reached out to them in hopes to get some clarity on this alleged amount due. During the call I was told that they are a third part and have been collecting on the account since XX/XX/XXXX. I requested, both in writing and verbally, a copy of the contract and /or validation of this account on XX/XX/XXXX and have yet to receive either. 
The presence of this account has made it difficult for me to obtain even the smallest amount of credit and has caused a great strain on my lifestyle. I also disputed this account directly with the 3 CB 's and they came back verified. I requested the name and documents used to verify this account well over 30 days ago. According to the FCRA it must be deleted from all reporting entities. I am requesting that Pro Collect comply with FCRA, 15 U.S.C under Section 611 ( a ) ( 5 ) ( A ) ( i ) and delete this account immediately.
I contacted my present mortgage lender, Bank of America, to attempt to get my loan refinanced for a lower interest rate ( instead of my 6.5 % ). I spoke with a representative by the name of XXXX XXXX XXXX # XXXX XXXX. She advised me that Bank of America no longer does loans on anything with a VIN number. I have a mobile home that is on a fixed foundation with brick underpinning. The county tax assessor 's office classifies the property as Real property ( not personal ). The original underwriting attaches a lien to the land with the mobile home attached. In other words, the mobile home ca n't go anywhere. The fact that I have a current, good-standing mortgage with Bank of America, should entitle me to the same right I was afforded when they purchased by original loan -- the option to refinance at rates that are reflective of individuals with my payment history, credit score, and real value of the property.
I have asked Senex Services Corp. to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
XX/XX/XXXX, the borrower filed a paper application for consolidation with enrollment in the income based relief program was filed. In XXXX XXXX, Nelnet who was servicing the consolidation application wrote that a judgment in court prevented consolidation. In XXXX XXXX, the borrower contested the existence of a judgment with the attorney representing the XXXX XXXX. The attorney confirmed there was no judgment and informed Nelnet that there was no judgment. In XXXX of XXXX, the borrower called Nelnet to inform them that there was no judgment. Nelnet acknowledged that it was aware that that there was no judgmetn and said they would move forward with the application immediately. However, when no further information was forthcoming. the borrower called Nelnet XX/XX/XXXX. The borrower was told that Nelnet had failed to take the necessary internal action to move the application forward but that it would do so immediately. After another 6 months of silence, the borrower contacted Nelnet in XXXX XXXX. The borrower was told that Nelnet did not do anything in XX/XX/XXXX or XX/XX/XXXX and that his XXXX XXXX application was now " stale '' and a new application was needed. When the borrower pointed out that the fault was with Nelnet, not the borrower, for the application going stale, Nelnet said that was too bad.
Portfolio Recovery has been contacting me since XXXX 2015 or earlier, for collection on a XXXX credit card account that belongs to my husband, who filed for bankruptcy. The XXXX account was settled in bankruptcy court, so they were paid an allotted amount. I did not apply or use the card, ever. My husband 's bankruptcy has been discharged since about XXXX 2015. I have explained this to XXXX representatives of Portfolio Recovery. The XXXX said she would send me a dispute form ... never happened. The XXXX said he saw where the issue was resolved so he was going to " send it up '' because I did n't owe the debt. The XXXX called last week. She said I owe the debt because I was not involved with the bankruptcy. I argued with her because I have not apply for, or used this card, ever. After I speak with a representative, they stop calling for a week or so. Then, they call several times per day while I am at work and then when I am at home. They continue to harass me. What recourse do I have? They put this on my credit report! What can I do about that?
I recently had an old debt roughly 10 years old reappear on my credit report. The request for payment is not from the original debtors. I started a dispute with all 3 major credit bureaus and only XXXX deleted it. The debt was on my credit report years ago and was deleted once the ( I believe ) 7 year period had passed. I dont understand how it can be put back on my report. I received a letter dated XXXX XXXX 2018 from a lawyers office asking for {$770.00} and a response within 30 days. I believe this debt has been reaged. The collection company who recently put this information on my report is XXXX XXXX XXXX , XXXX ( assignee ). The original debtor is XXXX XXXX. The law office whos asking for the payment is XXXX XXXX XXXX XXXX XXXX the address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, mi XXXX.
My wife and I have been working with NACA ( Neighborhood Assistance Corporation of America ) to buy a home. I had quite a few issues with communication and our first housing coordinator. I requested a new one after being told that we going to underwriting and communication stopping. I climbed the ladder with phone calls and emails and after two weeks was assigned a new counselor. He pulled my work history, and more duplicates of financial documents that i have submitted multiple times, gave me a housing price and told me we were going underwriting. He has said he would call, which was last wednesday, and I have called multiple times to see if they need anything else and to see if we made it to underwriting. No one has returned my calls, or emails. The file does not have notes as everytime I talk to a customer services representative, they say their are no notes. I have submitted over XXXX types of financial documents and upset that I have been jumping thought hoops since XXXX, paid XXXX dollars in fees and have no answers
I sent XXXX XXXX XXXX a letter asking to verify and validate this account in the balance of XXXX and I received no proof of documentation of contracts with signatures. no proof of fair and thorough investigation.
I got a recorded message on XX/XX/2018 from ( XXXX ) XXXX at XXXX XXXX, PT. The content of the message is as follows : " Message from we have an important message from XXXX XXXX XXXX this is a call from a debt collector. Please call XXXX again that number is XXXX. This message will now repeat in XXXX.
In the end of XX/XX/XXXX, I believe the XX/XX/XXXX, I received a letter from TD Bank that I had over drafted my account. I didn't have an account with TD Bank so I immediately suspected fraud. I called them ( spoke to XXXX XXXX in XXXX, SC ), but she wanted my SSN to tell me anything. I never heard of them so I didn't give it suspecting phishing. She told me there was a branch in XXXX, FL if I wanted to go in person, so I went the next day, XX/XX/XXXX. While I was there I spoke with XXXX XXXX, XXXX, XXXX. She told me that the account would be closed, and that I might receive another letter of two while they closed it. The balance due was {$390.00}. On XX/XX/XXXX I sent TD Bank a package that included information that I gathered with the help of IdentityTheft.gov disputing this account and charges. I sent it by USPS Certified mail, and I requested a receipt be returned showing that they received it. I received my receipt about a week later for the article. Unfortunately I can't read the signature. So far I have received no less than 6 more letters of intent to collect from TD Bank, I can't find the last one right now, but it was about two weeks ago and it showed a XXXX balance, so I thought this was over. On XX/XX/XXXX I received a collection letter from XXXX XXXX XXXX XXXX, ( XXXX ) informing me of their intention to collect XXXX on behalf of TD Bank. I called and disputed the charge immediatly. They told me that they would be turning the disputed charges back over to TD Bank. I filed a police report with the XXXX County Sheriff 's Office Fraud Prevention Bureau XXXX on XX/XX/XXXX. 
This account was opened online, the person who opened it provided personal information about me, but provided no proof of who they were.
I filed a dispute with ChexSystems recently after receiving a copy of my report. There was a credit union by the name of XXXX XXXX XXXX that said I owed them close to {$600.00}. I disputed that because that was included in a bankruptcy years ago. 
When I received the response from ChexSystems they told me that they had contacted the United States Bankruptcy Court to verify that it was included in a bankruptcy and it was. I have a serious issue with their response and here is why ; 1. That particular entry has been in my ChexSystems report since XX/XX/2015. 
2. ChexSystems said that they had to verify the information I was disputing with the United States Bankruptcy Court. Why was this information not verified before it was entered into my ChexSystems report? 
3. Because of these actions, I can not trust ChexSystems and they should be investigated for entering information without verifying it first. I've been doing my research and apparently there a lot of people with similar issues. 
4. The letter I received from them said that they removed the XXXX XXXX XXXX entry from my report, but I still can't seem to open another account with a different bank? What is the reason for this? 
5. The copy of the ChexSystems report doesn't show any other negative entries, although I'm not sure I'm reading it correctly. All I see is where they say that XXXX XXXX XXXX is being removed, then inquiries of companies looking me up for whatever reason. What else is holding me up on this report? 
6. How can I be notified each time someone has accessed my ChexSystems information? The credit bureaus have this available to all consumers. You should have the same or something similar. 
7. How do I submit that I don't want anyone accessing my ChexSystems report unless I have authorized it? 

I have attached a scanned copy of the letter from ChexSystems. Thank you for your time.
Diversified Consultants, Inc. is repeatedly contacting me on my cell phone as well as my daughter 's cell phone to attempt to collect a debt from XXXX XXXX XXXX. They have contacted me XXXX times since XXXX XXXX, 2015, so far from XXXX different telephone numbers ; XXXX calls in the last week alone from the following phone numbers : XXXX ( XXXX times ), XXXX ( XXXX times ) and XXXX ( XXXX time ). They called me XXXX times in XXXX day from the first XXXX phone numbers. I have explained that I began making my payments and will continue to do so. They continue to call, one representative trying to persuade me to make a larger payment. I am XXXX, on a fixed income and can make small payments on this debt. I tried to get a resolution with XXXX XXXX XXXX ( over the phone and by email ) before it went to collections but I did not receive a response from them. These harassing phone calls are XXXX me, causing me to have XXXX XXXX in the past week. I would like them to stop calling me and simply bill me and I will continue to make the payments monthly.
there was someone trying to open an account in my name from target corporation, which resulted in a inquiry from XXXX placed on my credit report. The company XXXX sent the information over asking Equifax to remove the inquiry. I am even the information over by certified mail, but Euifax refused to removed the inquiry. Equifax violated the fair reporting act.
I leased a XXXX XXXX XXXX back in XXXX XXXX. The lease was for 39 months. My wife and I filed a Chapter XXXX Bankruptcy in XXXX XXXX. Instead of including the XXXX XXXX in our Chapter XXXX Bankruptcy we chose to have the XXXX XXXX XXXX reaffirmed. I only had four more payments left and the lease would end. Our attorney submitted the Reaffirmation Agreement to the courts on XXXX XXXX, XXXX. I appeared in court on XXXX XXXX, XXXX for the Order on the Reaffirmation Agreement. The amount of the debt to be reaffirmed was only the remaining payments due until the lease matured on XXXX XXXX, XXXX. The courts approved the Reaffirmation Agreement on XXXX XXXX, XXXX. The XXXX XXXX was then turned in at the XXXX XXXX Dealership in XXXX XXXX, Nevada on XXXX XXXX to the original creditor and the lease was complete and finished. The original creditor was XXXX. XXXX was then taken over by XXXX XXXX. XXXX, Equifax, and XXXX are all reporting that XXXX XXXX included the XXXX XXXX in the Chapter XXXX Bankruptcy which is incorrect and illegal not to mention it is also showing activity as of XXXX XXXX ( states closed ) which is also incorrect. The XXXX XXXX was turned in and given back to the original creditor with no remaining debt left to pay.
Paypal credit advertises a scheme where no payments need to be made for 6 months. However, interest charges are accrued over that period and charged if a complete payment is not made at the end of 6 months. Due to this scheme I just missed XXXX payment but was charged the full deferred interest for 6 months XXXX like missing XXXX payments XXXX. I believe there should be sufficient information about the interest that will be charged XXXX dollar amount ) in such a last statement should a payment be missed. Basically, I was charged this fee just for missing to read XXXX email. It would also bode well for credit companies to make some exceptions on the fees when a genuine mistake was made in making a payment. Consumers would gladly pay interest/fees where it 's clearly agreed upon. 

I believe the company is preying on consumers by giving them a " free pass '' for 6 months only to charge them the whole fee hoping they miss XXXX payment.
I participated in the refer a friend offer from American Express for my XXXX card. I was to receive XXXX points per friend referred up to XXXX points per year. I referred a total of 4 friends and the XXXX points appeared on my XXXX and XXXX statements. 

They never were deposited into my XXXX XXXX account though. I have called 4 different times and have been told there was an issue with referral points posting properly and that they should be deposited within a few days. Each time nothing happens.

The terms clearly say that the points should be deposited in my account within 8-12 weeks. Those dates have come and gone.
I applied for and received a Citi credit card in XXXX XXXX. I never activated this card, never used said card, and cut card in pieces. Today I received XXXX bill for. {$95.00} annual fee charge. I called Citi customer service and stated I wanted to close this account. I also asked that since I never activated or used said card, that the {$95.00} fee be dropped. I was told the fee can not be cancelled. I feel this is a total ripoff.
Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I sent a creditor 's validation letter to AD Astra Recovery Services , Inc. I had my Personal financial coach speak on my behalf. XXXX XXXX XXXX spoke with AD Astra Recovery Services , Inc. This was a XXXX Pay Day Loan and I sent the letter for them to validate the debt. Accordingly, to the Fair Debt Collection Practice Act a Debt Collection Company has 30 days to validate the debt. In my case my debt was never validated by AD Astra Recovery Services Inc. In this case the debt should be removed from my credit report and out of the office of AD Astra Recovery Services , Inc. because they do not have the right to collect in the State of Texas. Accordingly, to the State of Texas no debt collector can collect in the state unless they are register by the State of Texas.
Experian is reporting that I have an OPEN COLLECTION ACCOUNT with XXXX XXXX XXXX XXXX which is not true. I do not have a open account with this company nor do I have an outstanding amount of money owed. I do not have any account in collections. Please provide the reference number for this account
On several occasions, over the last few years, we have had problem after problem dealing with Navient and their practices as it pertains to my private student loans. During the last three years, they have made several claims that we have defaulted on the loans, and missed several payments so I can not have my co-signer released from the loan. As we get close to the two year mark in order to have my co-signer released, they claim the missed payments, late payments or that we have been in default. 
Also, during a period of XX/XX/XXXX to XX/XX/XXXX, we made a change as to our banking. During that period Navient tried to withdraw funding from both the new bank as well as the old bank. When the payments were denied through the old bank, Navient penalized us and assessed late payment and returned payment penalties. Also during this same period, we have tried in vain to deal with Navient as it pertains to setting up automatic payments from our new bank. 
Navient would not allow this as they claimed those missed, late or in default payments would not allow us to be enrolled in the automatic payment program. Yet, on several occasions we had given our banking information to Navient to have the automatic payments set up and they did not inform us that we could not be part of that program. So, we were under the impression that we had been in fact part of the automatic payment program, but in all actuality we were not. It was not until two to three weeks later when the payments were missed, due to no fault on our part, Navient would call us demanding immediate payment. We explained that on several occasions that we were led to believe we were part of that automatic payment program and this should not have happened. Those within Navient then became rude, insulting and dismissive as to our questions and concerns. 
On several occasions we want to continue in the lower aggregated repayment program, but Navient said that we could not continue in that program as we were in default, missed payments, had payments returned and other assorted reasons.
Over the past 3 months, I have received repeated and incessant telephone calls to my cell phone number from a company called AMCA ( XXXX XXXX XXXX XXXX ). The calls begin at XXXX XXXX and do not end until XXXX XXXX. 

I called back the telephone number and asked a series of questions including verification of my address and date of birth, but the company could not find an account with this information. Therefore, I concluded that this company had no legal right to continue calling and leaving me messages over a debt which it can not verify or validate. I have not received any letters from AMCA pertaining to any debts and did not give this company permission to call my cell phone and harass me. 

When I added one of their telephone numbers on the XXXX XXXX XXXX XXXX list, the company continued calling using a different number and each time someone from XXXX leaves a message. The company is using fictitious United States physical and mailing addresses but the calls come from XXXX.
I am currently in a program that has never been explained to me and am not paying anything back bc my income is so low. I would like a better explanation of the program I am in and how I am supposed to pay my loans back by a real person who XXXX as as their first language who has more understanding than I do
Several unauthorized inquiries are being reported on my Credit Reports from XXXX XXXX. I have been had written communication with them regarding this violation and nothing is done except to continue to request more of my personal information. This is unacceptable to me has the company has my information and has run my report to my knowledge on XX/XX/XXXX and on XX/XX/XXXX. I also received correspondence stated they attempted and inquiry on XX/XX/XXXX. This was done once I already placed a security freeze. I want these items removed from all reporting agencies.
XX/XX/XXXX : I placed a credit freeze in XXXX. Was issued a PIN #. TODAY I tried to lift freeze and am told I have incorrect PIN #. I NEED MY CREDIT TODAY, not in 2 weeks. I have all correct info. I DO NOT WANT THIS COMPANY HOLDING MY CREDIT HOSTAGE!
On XXXX/XXXX/XXXX, Ocwen ( loan servicer ) denied the loan modification on my account. On XXXX/XXXX/XXXX, I have formally appealed and challenged their decision on loan modification denial. Instead of addressing my appeal, Ocwen elected to start a foreclosure process by filing a Notice Of Defalut ( NOD ) on XXXX/XXXX/XXXX. Ocwen chose to ignore and disregard my appeal and proceeded with foreclosure process. This violates CFPB 's Dual Tracking Rules and California State Homeowner Bill of RIghts.