WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, XXXX, we contacted Wells Fargo and spoke with XXXX to confirm the terms and conditions of an online balance transfer offer. XXXX advised us that since we had a {$10000.00} credit line on our business credit card, that we could transfer {$9800.00} to our checking account, and we would need to pay a one-time fee of 4 % of the balance transfer amount, up to a maximum of {$170.00}. XXXX further advised us that the balance transfer would have a 0 % promotional interest rate for 12 months. 
Agreeing to the above terms, we moved forward with the transfer, and were provided a reference code. 
Soon afterward, we received a letter from Wells Fargo dated XXXX/XXXX/XXXX, confirming the details of the transfer ; however, the letter omitted any information regarding the 0 % promotional rate that XXXX had advised us that we would receive. We assumed that everything was correct, because no other rate was disclosed or specified on the confirmation letter. 
On XXXX XXXX we reviewed our XXXX/XXXX/XXXX account statement, and we noticed that we were being incorrectly charged interest on the balance transfer at a $ 23.99 % cash advance rate. We immediately contacted Wells Fargo and spoke with XXXX, and we explained the situation to her. XXXX assured us that she would submit the paperwork right away to correct the cash advance to be reversed, and instead to be re-processed as a balance transfer with a promotional 0 % rate, as we had been advised by XXXX on XXXX. XXXX further assured us that the correction would be processed within seven to ten business days. 
We heard nothing else from Wells Fargo on the matter, so naturally we were led to assume that the correction had been completed as promised. Throughout the remainder of XXXX, we had automatic payments made every month from our checking account, and we had no reason to review the electronic statements in detail. 
On XXXX/XXXX/XXXX we prepared to pay off the promotional balance of what we assumed was the 0 % promotional rate, and we planned to do this prior to when the promotional rate was scheduled to end in XXXX. At that time, we noticed that Wells Fargo had not corrected the interest rate on the account as promised, and had instead charged us the incorrect cash advance rate of 23.99 % for a total of {$1900.00} in incorrect finance charges. 
On XXXX/XXXX/XXXX we notified XXXX, then XXXX, then XXXX as we were getting transferred from place to place and finally ending up at the Executive Offices, with a person who should have been able to correct this situation. However, instead of correcting the situation, XXXX dismissed the situation as our fault, and basically told us that there was nothing that she could do for us except to lower the rate for a few months from the 23.99 % cash advance rate, to the only slightly less ridiculous rate of 16.24 % for purchases.
XXXX XXXX stated to me on XX/XX/XXXX that I had a debt to them for {$2500.00} that they was sent from another collection company being XXXXXXXX XXXX in which is XXXX XXXX. XXXX XXXX XXXX did not send me any kind of letter of no kind to the said debt by law. I also had a right to dispute the debt before XXXX XXXX XXXX placed it on my credit file. XXXX XXXX XXXX could not even tell me what the debt was they told me to call XXXX which is XXXX XXXX phone number in which I called and was told it was being sent back to XXXX XXXX XXXX. I have also place a copy from the Consumer Financial Protection Bureau Complaint Number XXXX dated back on XX/XX/XXXX as submitted and XXXX XXXX responded back on XX/XX/XXXX as the disputed account has been removed from my credit report and that all 3 credit bureaus should have been sent as well. XXXX has been nothing but a nightmare dealing with the issue at hand. 
Attach is a copy from the company responded back as to the complaint filed to the Consumer Financial protection Bureau complaint number XXXX as proof
XXXX is attempting to collect a debt with very little validation. I received a bill that I have no knowledge of. I believe this is identity fraud. Trans Union assisted XXXX by continuing to report this negative information without proper investigation. 

I decided to go and do research through the secretary of state ( Texas ) as of XXXX ( XXXX ) XXXX does NOT have an " ACTIVE '' BOND to collect debt in the state of TEXAS. This is a huge violation. 

Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.
I made a payment on the automated system for my XX/XX/XXXX payment on the XXXX of the month in the scheduled amount of {$1800.00} I usually make my payments online via the website but on this occasion the online system would not accept my payment for an unknown reason. The payment was processed and on XX/XX/2018 the payment was rejected. I inquired with my bank and the mortgage company regarding why the payment was rejected. The mortgage company said the payment was returned for non sufficient funds. My bank told me that the payment was processed under a name other than my own, so my bank rejected the payment because of possible fraud. So in the meantime, the XX/XX/XXXX payment was delinquent and reported on my credit report as a more than 30 day late payment. I filed a dispute with my mortgage company on XX/XX/2018 regarding the payment being processed under a name other than the name on my bank account and explained to them that I have been using the same bank account information for at least the last 12 months with no problem. I provided documentation from my financial institution the reason the payment was rejected, which was not do to insufficient funds but was rejected do to facts stated above. I believe the problem was that the mortgage company automated system does not ask for a name to process the payment under. It only ask for the bank account information excluding a name, and the amount to be processed. The mortgage company did not agree that there was an error or their part despite the letter of explanation proving that I was not at fault and the documents given from my financial institution explaining why the payment was rejected. I requested that the mortgage company reverse the reported late payment from the credit bureau due to the facts above and they denied my request. Do to this incident I have been negatively impacted. My credit score has been negatively affected. I was unable to refinance my home and I have been labeled as high risk for any future borrowing options.
I discovered that my credit score had declined due to a report from Russell Collection Agency. I have never received a call or mail notification from this company and I have no idea what it is from.
talked to lady from XXXX rewards credit card and nothing got done and never got the XXXX like they told me that they were going to give me I am thinking about closing this account because they lied to as a bank an the lady that reviewed my case never even got with me after I had called her bank very bad bank and I do n't recommend it to anyone.
I have been disputing with all three credit reporting companies and have gotten nothing resolved. I have been the victim of bad credit since I can remember. My credit score has always been in the XXXX 's due to improper reporting. This has caused me to continuously get denied for credit and pay very high interest rates on auto loans. Every time I shop for an auto loan the car dealership sends out my application to different banks ( shotgunning ) the credit companies report every single inquiry on my file. I get denied credit because too many inquiries. Credit companies try to tell me all those inquiries on my file only counted as XXXX and did not affect my score. That is the farthest from the truth. They count and that is why my credit score has never reached XXXX. I have also disputed other inaccurate information in my file and each and every time it remains un resolved.
There are false names, addresses, inquiries, and credit account information that are not mine and/or I do not recognize. Initially, I tried contacting the creditors to clear up inaccurate information but I was ignored. 
Adverse accounts have falsely reappeared/posted on my credit report in error. I 've already disputed these items with Experian and their response was that " that items have already been disputed and we ( Experian ) will not investigate them because we are only required to furnish information of activity that has been reported to us ( by the creditors ). '' My credit report was obtained illegally because the companies who viewed it did n't have the right to do so, therefore, inquires should n't stay on my report. Experian is required to follow up with the creditor. " If the credit bureau does n't get a response either, it has an obligation to remove the disputed inquiry. Legally, the credit bureau must respond to you within 30 days. '' I have reported these creditors to CA Dept. of Business Oversight. Experian has failed to comply with their obligatory investigation. 
I 've learned that Experian is not interested in fixing inaccuracies. If they were, they would have done something about it long ago. I 've discovered that the reason it is difficult for Experian to fix inaccuracies is because doing so is contrary to what their objectives are ; to satisfy the furnisher of the information ( creditor ). 
I am requesting Experian to investigate the inaccurate information that I 've disputed with them and I want them removed by suppression technology so that they will not falsely reappear.
Drivetime incorrectly added negative information to my credit report stating that I had a late payment. I contacted them and requested that they remove it. Instead of completely removing it, they changed it to an older month but it 's still on my credit report. This is my XXXX car that I have financed with them and I have been a model customer for the entire time.
Exquifax stored my personal information on an unsecured unencrypted server which led to theft of my personal information due to hackers
I previously had an account with XXXX XXXX XXXX for XXXX College that was a derogatory account on all three credit bureaus. I paid that account off and it was removed from the derogatory account listing on all three credit bureaus. After checking my XXXX XXXX score, however, Transunion had docked my score 48 points when all others raised my score 50 points. I called Transunion after a dispute  was filed and settled and they asked me to contact XXXX XXXX XXXX   and have them file the account as removed. XXXX XXXX XXXX told me it was filed as removed the first time and they no longer have access to the closed account. They stated that I should contact CFPB here to file a complaint on Transunion as the other reporting bureaus issued a credit for 50 points when Transunion docked me 48 points for removal of a derogatory account that affects my credit score dramatically.
On XX/XX/XXXX I received an alert that my credit score had changed. When I checked the alert it stated that XXXX XXXX reported that I was 120-149 days late on my payments. I don't understand why they would report that when they sold my account to XXXX XXXX in XX/XX/XXXX. I longer have a contract or even contact with them. I am current and update on my payments to XXXX XXXX. When I call I keep getting people give me different numbers but no one knows what I need to do to have it fixed.
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

Experian Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I have open case numbers # XXXX and # XXXX. XXXX XXXX Team Lead responded and says she had no record of a complaint and I have complained multiple times. XXXX XXXX also said she would stop all further calls and letters and collection attempts and we no received XXXX more letters since her response and calls. I am submitting the letters and envelopes with dates showing they have not stopped.
This is a company that has bought the written off loan. When they answer the phone all they say is business office ... .. They wont give me a name of their company. Just say it's regarding a loan with Ace Cash Express. They call my phone during business hours, if I don ; t answer they call my work and then they start calling old family members, none of which were EVER listed on the application. They did a search of my old address and pulled any number associated with that address. 
I have called repeatedly asking for an address to write them a cease & desist letter, and they will NOT give me an address. They want my information, but will give me no information in return.
My complaint is against Capital One. I have had a Capital One XXXX card for several months. Someone ( I believe from Capital One ) has stolen my identity three times in the past month ( even on a brand new card with a new number in less than one week ). My on-line account was disabled several weeks ago due to the fraud and I was told by a Capital One representative that I would receive an email allowing me to set up another on-line account, but never received it. This prevents me from seeing what transactions have occurred on my account, so I have no idea if fraudulent charges were made. Whomever calls in to Capital One has answers to all of the questions presented to " verify my identity '' and Capital One moves forward with changing the address ( 1st time to an address in XXXX, NY when I live in XXXX, GA ) and then sends me an email thanking me. The next time ( some time this week ), someone called in ( apparently with all the right information to " verify my identity '' ) and changed my email address. Capital One 's response was to file a fraud report with Identitytheft.gov. This is not a viable option as they don't really do anything. Capital One issued a credit card to me about three years ago ( I did not apply ) and I reported it to XXXX as well as my local police department and nobody ever contacted me as a follow up. Capital One refuses to give me the address in the XXXX so I could file a police report and, believe me, police do not have time to follow up on these matters without specific information, such as that address or the email address ( that I also requested ). I just want something done. I have wasted so much of my time during the past month dealing with this issue and it does not seem to get resolved. Capital One won't even provide the authorization I need so I can monitor my account ( in spite of providing my work email for them to send the authorization ). They did not, of course, comply with that request. Further, I contacted Capital One 's fraud department this morning ( after spending an hour on the phone last night ) and I was told that they would " investigate '' but that doesn't ever seem to happen. It did not happen three years ago when Capital One issued a card to me for which I did not apply. I filed a police report for that one ( something that took a half day of my time ) and absolutely nothing was done. I want the address in XXXX, NY and I want the email address that someone tried to link to my account. I believe in these days of so much fraud, and considering that this has happened three times during the last month, I have every right to have that information so I can take the proper steps with law enforcement to get this stopped. 

I am simply disgusted and desperately need to have something concrete done about this, whether it be by Capital One or law enforcement, but they have tied my hands. This could be easily solved by the sharing of information so it can be properly reported, but Capital One has not been diligent in helping to make this happen. Perhaps it is because they are protecting someone within their own organization, which is what I truly believe. I just want this stopped!!!!! 
Thank you!
On XXXX XXXX, 2015, I made XXXX purchases through Pay Pal. I have made many purchases using Pay Pal in the past, and have always had my debit card selected as the default payment. The XXXX purchase I made on XXXX XXXX, for {$100.00}, utilized my debit card as the payment method. When I made the XXXX purchase, for {$45.00}, I believed that my debit card was also selected as the payment method. The next day, I received an email informing me that the {$45.00} purchase had actually been designated to open a PayPal credit account. I did NOT select PayPal Credit during this purchase, and I was very confused about why PayPal would set their Credit service as the default payment option without my permission. I called PayPal immediately that day and spoke with customer service to express my frustration that I had effectively been tricked into opening a credit line with them. I asked that I be allowed to pay my balance immediately, and that the credit line be closed. My budget is extremely tight, and I needed to make this important purchase while I still had the funds in my account. I was told by the Supervisor that there was no way to make the payment and close the account immediately because the payment had not posted from the Vendor to my PayPal credit account. They informed me that if I wanted to make the payment immediately, I would need to contact the vendor. The vendor was a professional contact that I was not willing to involve in my financial matters, so I was left with no option but to let the credit line remain open and hope that I would have enough money to pay the balance when it finally posted to the account. I was confused, frustrated, stressed, and upset, and at the time I did not know that I had any recourse. I read on the news last night that many other consumers had experienced the same issue with PayPal, and that the Credit Protection Bureau was fining PayPal for this deceitful credit practice. I immediately decided to submit my complaint as well, in hopes of adding the voice of XXXX more consumer that was tricked into opening a PayPal credit line against my will and without my knowledge. I have attached the PayPal credit statement, which indicates the date of the purchases and the methods of payment used. I will also attach a portion of my bank statement that shows where I paid the balance.
Greetings, I am writing to complain about my student loans. I understand that the plan is to allow students to go to school to further their education, but the interest rates are extremely high. I will never be able to get out of debt and being that I went to college and was n't informed of the 5 years of deferment that has sky rocketed my loans. I feel that this has caused not only me, but others like me, to be in debt. I had to do a deferment for 3 months and based on the loan amount, 3 months add an additional almost XXXX to my loan. I do n't even make 2000 a month after taxes and there is no way that I will ever be able to pay this. I was not able to finish college because my mother had a XXXX during my college term and I was not able to finish because I had to drop out to help her. I am not making excuses but we are getting charged for stuff that we can not afford. We go to college with guarantees in our mental states that we will get a job, but rather then get a job we are getting high student loan rates. How is that if we have XXXX in the bank, we do not receive higher interest rates then 1-2 %, but if we owe student loan rates, they are tripling the debt? I am forced to live in a undersized apartment with my wife because we are both overwhelmed in student loan debt. We will never be able to afford a house or anything because the interest rate alone on the student loans has guaranteed us a life of poverty. I have even tried the student loan forgiveness plans and still I have come out on the bottom. My last check was {$850.00}. My part of my car note was {$310.00}, I filled up my truck for {$35.00}, I paid my {$100.00} towards my car insurance, and paid {$160.00} to cover my cell phone bill and I have less then {$200.00} left for groceries, gas, and products for my home for a two week period. I am asking for anyone that can to understand and to help with any type of assistance or forgiveness. We are out here trying to live right and to do whatever it takes to be great people to our society and we are loosing the fight against our country.
USBank has a pilot project for small dollar loans from XXXX to XXXX dollars, an installment plan to pay it back in XXXX payments. 
On XXXX/XXXX/17 at XXXX XXXX, I phoned the number on the email that was sent to me and gave all information needed. I was asked my residency and told them i am on a XXXX visa in the united states. The agent checked with the underwriter and the underwriter gave approval for a {$1000.00} loan. I was told the money would be in my account within 48 hours. I withdrew the {$1000.00} from my account at XXXX XXXX on XXXX/XXXX/17 ( after the 48 hours had passed ). The money was not in the account. Ii have been charged overdraft fees since XXXX/XXXX/17. I phoned the same division on Monday XXXX/XXXX/17 and was told the quality control at the bank had put a hold on the loan, even after underwriter approval. The agent told me she would look into it and contact me within 1 hour. I did n't received a call back. I phoned again XXXX/XXXX/17 and was told that no response back from the quality control division. I phoned again on XXXX/XXXX/17 and they told me that the loan was denied ( this would be 1 week after it was initially approved ). I have been charged overdraft fees and they bank would not credit them back to me. Until my last call was made, i had received no calls from the bank explaining the loan had been denied.