WillisBack/dataset-financial-user-claim huggingface dataset:
I applied for a chase sapphire credit card. I submitted my application and got a notice that they needed to do additional review. I 've never gotten anything like that before, so I called chase to ask what was going on.   After wading through a horrible automated phone system, I finally got to a representative who told me that they were denying my application. I asked why, and she said I had too many credit cards already. I do n't understand why that matters. I 've never been late with a credit card payment, I 've never missed a payment. I believe chase is discriminating against me because I 've reached out to the CFPB in the past regarding their terrible customer service and sending my cards to the wrong address.
I have been trying to contact Equifax to change the report. The credit card company has sent me a letter stating that they sent the information to the company to make the change. I have no way of calling and the computer states my records are not available.
I got denied credit for chase freedom credit card, because they said i had too many accounts open or too many loans and thats inaccurate, somebody must be using my information
I have been communication with XXXX XXXX XXXX for the past few weeks requesting written proof that my debt has been paid off and they keep ignoring my requests. They keep telling me to call in three business days and when i call they still deny to provide me with proof and tell me to call back.
I have disputed the student loan accounts XXXX XXXX XXXX XXXX -  XXXX, XXXX XXXX with Transunion for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal
On XX/XX/XXXX my wife tried to do an ACH transaction between her existing XXXX XXXX account - and her XXXX XXXX account. 
The system message she received was that the connection could not be made - this message came from a company called XXXX We reached out to both XXXX XXXX  and XXXX XXXX and they can not see any issue with her account Her XXXX XXXX is set up to accept ACH transfers When we spoke to XXXX  they informed us that the information is coming from Early Warning systems. When we contacted them - they would not explain the reason for the hold - our only recourse at this point to fill out paper work with Early Warning system and wait for approx 30 days I believe that Early warning system is fraudlent blocking legitimate transactions
I have been doing everything I could do to prevent the misuse of my personal information. I even placed a fraud alert on my credit report that was supposed to stop companies from running my credit. The credit bureaus apparently gave me the wrong information and they are not doing anything to protect my information. Someone still has access to my personal information and the companies are not calling me to verify that its me that is trying to obtain goods.
I reviewed my credit report and found that AWA ( Adler Wallach & Associates, Inc ) had placed a collection file to all 3 credit bureaus ( XXXX, XXXX, XXXX ) for payment of a medical debt. 
I sent a Validation Request to AWA via Certified Mail on XX/XX/XXXX ( delievered on XX/XX/XXXX ) I received a statement of the alleged charges which does not meet the FTC guidelines on what constitutes proper debt validation.

I sent a second Vailidation Request via Certified Mail on XX/XX/XXXX and received no response. 
This collection account remains on my credit file with all 3 bureaus without Validation. 
It also appears that AWA is not a licensed Collection Agency in the State of Tennessee, where I reside.
Im very upset because I went to home buyer program and did not qualify because there are items on my credit that ere not mine. Please remove these items off my report e.s they ere not mine. XXXX XXXX XXXX XXXX ( XXXX : XXXX Transunion : XXXX ) XXXX XXXX ( XXXX : XXXX Transunion : XXXX ) XXXX XXXX XXXX ( XXXX : XXXX XXXX : XXXX Transunion : XXXX ) XXXX   XXXX ( XXXX : XXXX XXXX : XXXX Transunion : XXXX ) XXXX XXXX ( XXXX : XXXX XXXX : XXXX XXXX Transunion : XXXX ) XXXX XXXX XXXX ( XXXX : XXXX ) XXXX XXXX ( XXXX : XXXX ) XXXX ( XXXX : XXXX XXXX : XXXX Transunion : XXXX XXXX ( XXXX : XXXX XXXX  : XXXX Transunion : XXXX ). I contacted the FTC and my local police. Im also working on my own behalf.
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX To Whom it May Concern : Experian XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX   XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. XXXX   XXXX XXXX, XXXX  XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX BANKING XP B XX/XX/XXXX XXXX BANKING XXXX XXXX XX/XX/XXXX XXXX BANKING XXXX XXXX XX/XX/XXXX XXXX/XXXX BANKING XXXX XXXX XX/XX/XXXX XXXX/XXXX BANKING Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, XXXX   XXXX
i spoke to XXXX explained i know longer owe the debt and to remove it from credit report, and that they also reported the wrong amount for collection, and are require to delete. she say it can take 90 days if they decided to remove it. but took less then a day to put on reports. 
the debt has been cleared
This is yet another complaint filed against nasty old Bank of America who has been trying to take my properties under completely false pretenses and your files are FULL of all the XXXX I have been through with Bank of America these past FIVE ( 5 ) years and copies even faxed to the supposed head of CFPB XXXX XXXX who never ever replied to faxes and Emails : (. 
I have now sent a SECOND REQUEST under RESPA and the Department of Justice now has a file and is supposedly looking into this matter. Sent out certified XX/XX/XXXX and NO reply with the requested information as of today XX/XX/XXXX other than they are working on it ( XXXX loan B of A supposedly services and XXXX B of A recently and allegedly assigned to another really bad company in XXXX , XXXX . 
I finally got the money together to bring current the loan on XXXX XXXX XXXX and first sent a check to their XXXX Office which they subsequently returned since I had written on the check " Paid under protest ''. They said the funds now had to be certified funds. 
I then wired funds through my bank XXXX XXXX with another payment and late fee through XX/XX/XXXX so the total was {$41000.00} paid XX/XX/XXXX at XXXX to my account that has been set up with Bank of America and XXXX XXXX for the past few years and account number XXXX. I confirmed this with XXXX XXXX today and they confirmed my account as correct and confirmed the payment. 
We just got notice today that Bank of America rejected this account and said the account is the wrong account!! I know they are trying to wrongfully foreclose on this property just as they finally did on XXXX XXXX XXXX with the forged, fabricated, and phony documents that their crooked lawfim of XXXX XXXX completed on XX/XX/XXXX and even violated Colorado law with a very low bid of {$140000.00} when they had sent me an appraisal ( their opinion of value earlier in the year at {$270000.00} to insure they would not get title to a property they have NO claim against. 
There is even a phony alleged assignment of this note executed in blank by a known " robo signer '' that was done XXXX/XXXX/XXXX with known robo signer XXXX XXXX in blank for XXXX ( XXXX never had any officers ) and recorded in XXXX County. 
I have stacks of files that prove without question that Bank of America never had control of these loans when they allege they purchased Countrywide and all this harassment these past FIVE ( 5 ) years is completely bogus and fraudulent and many recent court cases are finally starting to discover. Please help me as these XXXX are scamming XXXX people and have wrongfully taken XXXX homes they had NO claim to whatsoever. Please follow your recent guidelines where you are supposed to be helping people like this XXXX year old XXXX Veteran. PLEASE this is NOT right.
Opened a business checking account with a {$200.00} cash bonus promotion if {$1000.00} in new money was deposited within 90 days. I have not received the bonus as advertised even though I deposited the required amount of new money with the 90 day time frame.
Coinbase fraudulently transferred moiney in the form of bitcoins valued at {$4300.00} on XXXX XXXX 2018 out of my account to coinbase, the trading exchange. 

I get a message on my phone which states " XXXX coins worth {$4300.00} sent to coinbase '' I never initiated or authorized it nor my account was not compromised. I have all logintimes and 2FA set up. 
Coinbase needs to answer why did they siphon out the coin from my account for no reason and pay me back the coin with fines as I lost asset value as well as the principle amount. 

I complained several times to them and all they do is send me FAQs to secure account, lock up my account.They never answer who initiated the transfer to coinbase which is them and what is meant by the message. 
Also I did not get a confirmation email for the same. 
This is a fraud perpetrated by the company against small investors and since we do not have a voice, they do not have adequate support staff to answer and they lock our account, making us suffer losses as well as mental agony. 
Such fraudulent companies must not be let to operate as they find loopholes to suck out money from our legitimate accounts and give no explanation. 
They seem to have no Risk management or processes in place and scant regard for small consumers as we have no voice. 

http : //support.coinbase.com/XXXX
I attended XXXX University and during my studies at XXXX, there was an outstanding debt owed to them. When I left XXXX I provided adequate and precise forwarding mailing information of which they failed to capture. 2 years later I realized there was an outstanding amount of XXXX dollars and the school charged me and extra XXXX dollars of late fees assessment due to a negligence on their behalf for not capturing the correct mailing address. When I found out about this year I added it to my current loan provided then new information and in return they were suppose to give me a default letter clearing this matter. They have supported and email identifying receipt of the funds from a government loan institution and yet they refuse to give me a clearance letter knowing that I need to begin classes XX/XX/XXXX. I am really upset that my semester will be delayed because they simply are upset that I wrote them a very strong email identifying there error in managing this situation. I hope that they understand the ramifications and jeopardy they place me with on an educational stand point. They can easily give me a default letter but they seem to want to not help and have me miss my semester with the new school.
As per your respond to my complaint for the above mention dispute cas number, Eperian states that the item was deleted from my credit report. However see attachment, the item is still showing up on my credit report dated XXXX/XXXX/16 that i receive from experian.
CFS placed the same account on my XXXX  bureau twice in the amount of {$1300.00}. XX/XX/XXXX they say it is a account from XXXX. I've never lived or sought medical treatment in XXXX, KY. Also I have 3 accounts for medical bills all from XXXX , KY the 3 accounts total {$500.00}. I've reached out to them with No help. I also have a account with XXXX  XXXX XXXX that does belong to me from XXXX XXXX XXXX XXXX that was paid by my insurance, but creditor refuses to send me copy of the bill. There is one more account for {$220.00}, but it's also a medical bill. None of these medical collections belong to me I've never lived in XXXX, but my ex Wife has since XXXX. These are all fraudulent accounts, not belonging to myself. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX SSN I've reached out and filed disputes on all of these accounts over the past year and have NEVER received a letter, phone call or email from anyone whom represents XXXX.
I own a XXXX. I entered into a contract withMoneyGram to become an XXXX. An employee ofMoneyGram contacted me saying the lease wasexpiring on the terminal they furnished. Longstory short my business was scammed out of {$38000.00}. I have proof it was an employee ofMoneyGram and I am still being sued. 
MoneyGram did not cooperate with the policeor my lawyer. My attorney asked for proofthat the money was paid to whom, when andwhere. We were told the information wasirrelevant. I need help I am being scammed2x by the same company
I disputed a collection account that is still showing as an " open account '' ithis s account was discharged in my bankruptcy XX/XX/2015. I called the collection co. in question after viewing my XXXX credit report. i was told by the collection co. rep " XXXX XXXX '' that the account is being reported correctly. spoke to attorney XXXX XXXX and was told they have to update and report the account correct.
On XX/XX/XXXX I disputed my credit report which contained information being reported by Kay Jewelers. 

I mailed a certified dispute letter to Kay Jewelers requesting validation of the account being reported by XXXX, XXXX, and XXXX. 

I received a response on XX/XX/XXXX stating : " All account information and documentation was transferred to XXXX XXXX, XXXX and any questions or concerns regrading the account should be directed there '' Per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Kay Jewelers, is required by federal law to verify through the physical verification of the original signed certified consumer contract of all accounts you request to be posted and or reported on a credit report. They have failed to do validate the account, due to lack of paperwork. 

The Three credit bureaus have failed to protect me under the Fair Credit Reporting Act. After disputing this with all three as well, they continue to report on an account that ca n't be verified. 

Kay Jewelers has violated my rights under Section 623 ( a ) ( 2 ) of the FCRA. This section addresses the duty to  correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus.
I have been trying to get a payoff amount from my mortgage company for 2 weeks. My mortgage officer has submitted a request. My Title company has requested this 2 times. Each time the rep at Freedom Mortgage states that they are sending the payoff with per diem. The company has not complied with this request despite numerous contact encountered.
My complaint is regarding an opened XXXX XXXX credit card account. XX/XX/XXXX I have been unable to use the line of credit from XXXX XXXX credit card due to a restriction placed on my account XXXX. XX/XX/XXXX they refused my request to close the account since I am not allowed to use it, for which my request was denied. XX/XX/XXXX XXXX XXXX assessed a {$19.00} annual fee to my account. I refused to pay the fee being that the account is restricted, I can not utilize the line of credit, and they refuse to close the account. As a result, that have assessed several months of past-due fees and interested and reported my account delinquent to all XXXX credit bureaus for past few months. What actions can I take against XXXX XXXX to force them to close my account and correct the negative information on my credit file? Is what they are doing legal?
My old/ previous student loans are being reported on my credit report twice as derogatory accounts. Same accounts are reported by XXXX XXXX and then again by XXXX XXXX XXXX XXXX. All of my student loans were refinanced and consolidated into 1 loan in XX/XX/XXXX, but yet my credit report is showing that I am in default with a balance of {$32.00}. Prior to me refinancing my loan it was in forbearance, prior to my loan being in forbearance I was enrolled in automatic payment which saved me .25 % in the interest rate. I spoke to a customer service rep that assured me that once the loan was out of forbearance the automatic payments would simply continue and I would n't have to do anything. Somehow my loan was transferred from XXXX XXXX to XXXX XXXX and then from XXXX XXXX to XXXX XXXX XXXX XXXX. I never received a notice of this transfer or any changes until I received a transferred call from my supervisor at work. I immediately refinanced the loan after in XX/XX/XXXX. I am now informed that the call made to my supervisor informing him of my student loan being in default was illegal and violated quite a few laws and I will most likely be pursuing legal action. Either way there should n't have never been any negative reporting on my credit and most certainly not after the XX/XX/XXXX refinance because my loan has remained in auto payment with XXXX XXXX and remained in auto pay even after the current loan was transferred to XXXX.
On  XXXX    XXXX   2017 a fraudulent charge of {$57.00} was made on our Capital One Visa Signature card from a   XXXX   in Georgia. We live in Illinois and have never been to Georgia. It was flagged as fraud and we were told another attempted charge was stopped. A credit was issued as well as a new card immediately. On our   XXXX    statement the charge was reinstated for some reason. I have called several times and have gotten several different reasons that it was recharged. One being that we have used the card at a   XXXX    elsewhere and another said that someone else called and said it was valid which is not the case. I have insisted that it was fraud and that it had been originally flagged by Capital One, but it is now nearly   XXXX   and I can not get it removed. We have cut up our cards and no longer use them and will probably close the account once this issue is resolved. I am writing letters to the company today as well to try to get someone 's attention and a credit of {$57.00}.
I opened a Bank of America checking account on XXXX/XXXX/XXXX. 
There was a promotion in which I was to make at least 2 direct deposits of {$250.00} or more and then I would receive a {$100.00} bonus. 


On XXXX/XXXX/XXXX I inquired as to when I would receive the bonus. The told me that I should receive a check within 30 days. They gave me this number as a confirmation : XXXX. 


On XXXX XXXX I called to inquire as to why I have n't received the check.They told me that the account actually needed to be open for 6 months before the money would be sent to me as a deposit into my account and I should received the money on XXXX/XXXX/XXXX On XXXX XXXX I called to inquire why I have n't received the money. They told me that my " escalation '' was denied. I am not sure which of my inquiries was the escalation but they never informed me. They told me the reason for the denial of the escalation was that the account was not set up with the promotion activated. This is bogus. Had my promotion not been activated then I would have been told so on XXXX or XXXX and not been promised that I would receive the money. Additionally, shortly after opening the account, I also confirmed at a physical branch ( XXXX XXXX XXXX XXXX, XXXX, TX ) that the promotion was active on my account ( I was unsure as to how many days I had to make the qualifying deposits ) When I disputed the denial of the escalation and explained the above, they re-escalated it, giving me this reference number : XXXX. 


After 40 minutes I spoke to XXXX XXXX of XXXX California, the " Checking Department '' manager and he told me that escalations take 30 days to resolve and they would be happy to review the terms of the promotion. I reminded XXXX that on two separate occasions the Bank has already promised me, regardless of the original terms, that I would receive the bonus. 


XXXX confirmed that I met all the financial requirements of the promotion but said I did not click on the correct website link. I possess no record either way on this matter and I only have to rely on the promises and assurances of the Bank that I was in line for the promotional bonus. 


XXXX told me that Its not up to him, it is up to the back office people and I should call in 30 days and follow up, I should say exactly : " I have a XXXX XXXX ( offer code : XXXX ) '' I have already been fobbed off for 30 days, plus 3 days, and now I am being fobbed off another 30 days.
ADVANCED COLLECTION ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ADVANCED COLLECTION or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ADVANCED COLLECTION or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX