WillisBack/dataset-financial-user-claim huggingface dataset:
Hello, Earlier this morning I applied for the HSBC Cash Rewards Mastercard. I got to the Authentication Interview and, after answering the questions successfully, the application pended for further review ( I'm guessing somehow one or more questions were wrong/XXXX has not been fully verified? ).

I just called HSBC and got to an agent named XXXX to get the matter resolved ( I believe overseas ) who advised me that I would have to wait up to 21 days for the final decision. The call took place at approximately XXXX XXXX EST on XX/XX/18. Instead of clearing XXXX with me over the phone or advising me of what I need to send in, he told me that I just have to wait, which is unacceptable. I am looking to use the card sooner rather than later with holiday shopping, and I do not want to wait 21 days. I also thought the rep was very rude. I even advised him that I would be submitting this complaint if we kept going in circles and he didn't care. Then, at XXXX XXXX a manager called me back, apologized, but reiterated there is nothing that can be done, so I reluctantly gave up and just decided to submit this complaint. 

I'd like to have this application reviewed as soon as possible. I understand that there is a log of apps in your pipeline, but when a prospective customer calls in and advises of extenuating circumstances/stresses the need for a more immediate review, the answer should not be " tough ''.
The account was never turned into collection. Kay jewelers is the creditor. The account has a balance of {$2000.00} and was opened on  XXXX / XXXX / 2014 . I have filed police and identity theft reports.
OnXX/XX/XXXX I mailed notice to close my credit card account and refund my security deposit on an expedited ( with in 7 days ) basis as described on the website.

I received notice from XXXX  XXXX   dated XX/XX/XXXX my letter was received and my account was closed.

Today is XX/XX/XXXX, over two weeks, and I still have not received my security deposit refund.
I have not received any information regarding a credit card through XXXX and I have never had a credit card through this company. Collection company has never given me any documentation.
Took out a loan with Consumer Portfolio Services. They have been a nightmare, at best. If I am one ( 1 ) week late, they have illegally contacted family members, called me at work, manipulated their number in my caller ID to show the name of a family member. All of the above are illegal and immoral. In the year I have had the loan, I have never been behind in the loan, yet they harass me on a daily ( calling multiple times ) basis. My wife is not on the said loan, although after my phone rings ( with manipulated number, which is my brothers name ), they will immediately call her once I do n't answer. My mother is quite ill and for them to illegally manipulate the caller ID should call for a law suit in and of itself.These people need to be stopped in their tracks. They are predatory lenders and need to have a class action law suit filed against them and their practice ( s ). When people are paying their bills, they can not illegally call other family members, illegally manipulate caller ID, or call the borrower on his job. Please help. Thank you.
On XX/XX/2019 I attempted to buy basketball tickets by transferring money through XXXX. The tickets were never provided, and I attempted to contact both Chase Bank and XXXX   to resolve the fraud. Chase noted that there are no consumer protections offered whenever using their service through XXXX on transactions like this. Considering this is a bank to bank transfer, there should be a pathway to freeze transactions, or at least obtain personal information linked to the receiving bank account so that this matter could be reported to the police or to allow for civil action.
I have been contacted repeatedly by phone and by mail by XXXX XXXX XXXX, who say they represent Honda. They are trying to collect an old debt. They obviously are not the originator of this debt ( {$1100.00} ) ... I haven't owned or leased from Honda for over 4 years. This 3rd or 4th party collector came from out of the blue. 

Phone calls have been previous to XX/XX/XXXX at XXXX XXXX. Phone number was XXXX XXXX. 
The next call came at XX/XX/XXXX at XXXX XXXX. Same phone number. Several other calls were made before these, but although it was the same number, I did not record the date and time. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. 

I wrote them early in XXXX saying I did not know who they were and had no business with Honda anymore.
I was pre-approved for a home loan by TD bank by XXXX XXXX their loan officer. I proceeded to look for a home with my realtor and when we finally found XXXX and our offer was accepted it was about XXXX dollars less than what the bank offered to us. During the process we were required to pay for the appraisal and inspection for the home. We also gave the bank our deposit. They gave us a conditional approval letter which I believed was unfair since it requested to pay for a cosigned student loans that were not mine. When they realized that and requested the documentation of that it was indeed a cosigned loan, i provided all documentation they asked for. I also did everything else they asked for like taking the home owner class and opening an account with TD bank. After verifying income and employment again and calling my job requesting the same paper work from them again, even pulling me out of meetings, I was told over the phone by XXXX XXXX and my realtor was also informed as well that " I have the house ''. There were multiple closing dates that were moved for XXXX reason or another but as we were guaranteed to move into closing I had given my current apartment notice that they required before I vacate my apartment.The closing was supposed to happen in 2 days and I hadto be out of my apartment in a week when I get a call from XXXX XXXX that I do n't have the loan because they do n't like the amount of hours I 'm working. To me this is crazy because the information about my work they had since day XXXX almost 3 months ago. To waist my time, money and energy and cause extreme emotional distresssince I was left homeless to scramble to find a place to live in a week. That call was the last time I heard from them with no real explanation and its been 2 weeks with no official letter or call. There is no justification is to mislead and discriminate against me claiming information you had from the beginning about my income which was obviously enough to get me the pre approval along with my credit and to even call and tell me that I have the loan as well as my realtor. To lie to me, give me false hope which i made decision based on and that concern my life and my family 's on is horrific! To be at the finish line and to pull the rug out from under me is a disgrace!. I believe that their decision was based on the fact that I am a Woman and a minority. There is no justification to excuse what TD bank has given. They should be refunding every expense that I had to make with regards to this messy situation, our deposit, the appraisal which we never got the report from them on, the inspections, the moving expenses and the realors fees etc. I am out of a place to live which I loved. TD bank needs to do whats right for what they did. Shame on them.
Given the recent news about Equifax having been hacked of millions of personal identity files for many or not all citizens and residents in this country, I contacted the XXXX XXXX XXXX website to review my credit reports. With XXXX the process went through quite easily. For XXXX and Experian, after answering their specific security questions successfully, the message received was that each could not provide access to my credit report online. For XXXX one was requested to print out a PDF form, fill it out, and then make photocopies of a series of personal identity documents with enlarging of some of these if the print was small. Then one was was supposed to mail this packet of highly sensitive personal identity documents to a postal address in XXXX. For Experian, there was the request fill out a form, but no visible link to such a form so that one could fill it out. Also, the report that a number of executives of XXXX selling their stock shares in that firm before the public was informed of the security breach is major strike against the these people and this firm. I know this nation is facing major issues on many fronts, but the credit reporting industry impacts essentially all American  citizens and residents and now in a potentially very damaging manner. I recommend a Congressional investigation and the charging of the specific Federal agencies with oversight to seriously examine the capacity, competence, integrity, and key business models of the credit reporting industry. XXXX apparently does manage its business model in a competent manner. For XXXX and Experian, one has to have questions about these key issues. Finally, there is also a fourth firm, XXXX, that one was recommended to contact in a XXXX XXXX XXXX XXXX of Saturday, XXXX XXXX, XXXX, Business Day, pp. XXXX, XXXX.
I claimed a chapter XXXX bankruptcy in 2008 and it was discharged with {$0.00} balance and I have disputed it with both credit agencies and it still will not come off my credit report..The local bankruptcy department had told me to file a complaint with you to get it taken off my XXXX XXXX and equifax reports.
I have been working for XXXX and XXXX  for the past ten years while dutifully making student loan payments via direct debit. When I submitted an Employment Certification Form ( ECF ) in XX/XX/XXXX my XXXX XXXX account ( # XXXX ) noted that I had 5 out of the 120 qualifying payments left and that I would be eligible for forgiveness on XX/XX/XXXX. When I submitted what should have been my final ECF on XX/XX/XXXX along with an application for forgiveness the response on XX/XX/XXXX from XXXX was a denial because I had not made enough qualifying payments ; it seems that an audit had reduced my qualifying payments to XXXX. During a call to XXXX that day the staff looked at my payments and said that I should qualify and flagged my account for a recount. I have asked XXXX for a list of my payments and they said they could provide me a list from XXXX and my previous servicer, XXXX, but I have not yet received this information. When I looked at my account today, XX/XX/XXXX the number of payments reduced to XXXX. Help!
A buyer has purchased a watch from me online and paid with a Chase credit card. Transaction amount was {$5800.00}. I have mailed the item to the buyer 's billing address with XXXX tracked service. A buyer 's signature was obtained by XXXX at the time of delivery. Chase - the bank-issuer of the buyer 's credit card - initiated an unauthorized transaction request. I have provided XXXX ( my account holder ) and XXXX supposedly forwarded to Chase all the requested transaction and shipping records, which clearly shown that I have mailed the product to the buyer 's billing address and buyer has signed for the package and XXXX checked his government issued picture ID on delivery. 
In about a month Chase reversed the original transaction and has received {$5800.00} back without any explanation!!!! 
XXXX reps confirmed that as a seller I HAVE SATISFIED all requirements for the involved transaction. XXXX reps also confirmed that the buyer 's bank ( Chase ) HAS NOT provided any information regarding the case. The buyer 's bank has to provide NO information on the transaction in question and XXXX would transfer money to the bank EVERY TIME the bank asks REGARDLESS of the evidences a seller provides. They specifically stressed this would happen EVERY TIME. 

Unauthorized transactions happen, but responsibility and risk have to be shared between the seller/buyer and banks of the seller/buyer. For transactions such as mine - when item is shipped to the buyer 's billing address ( recorded and confirmed by the buyer 's bank ) with buyer 's signature and ID check on delivery - the responsibility has to be clearly on the buyer and buyer 's bank, and not on the seller. Otherwise, ANY buyer can use his credit card and order ANY item online without a need to pay for it, regardless of what evidence the seller provides and regardless what the seller does. 

This practice is very unfair to online sellers and very dangerous for the credit card industry. I expect Chase to deliver the funds {$5800.00} back to my XXXX account and deal with the buyer directly. 

I 'm attaching the transaction records so that the bank can identify the transaction. Here are the transaction details : Buyer 's name : XXXX XXXX Buyer 's adddress : XXXX XXXX XXXX, XXXX XXXX, California, XXXX, United States Buyer 's Phone : XXXX Transaction date/time : XXXX XXXX 2015 XXXX Buyer 's IP address : XXXX Transaction ID ( it 's XXXX or CC trancation ID ) : XXXX
I noticed that there was an unauthorized hard inquires from XXXX XXXX XXXX on XX/XX/2018 on my Experian credit report that i did not make, i called Experian to have this removed and was told they cant remove or dispute hard inquires although they are aware i did not make it. 

I noticed every since i became a member of Experian i get hard inquires things start to appear on my credit file out of know where as if an employee has stolen my information and using it for there own benefit. 

I did not make this hard inquiry, i was driving from another state when i received the notification ... someone from Experian or XXXX XXXX is working together using my info TO OBTAIN CREDIT.
Discover card has been calling my parents house ( three times a week ) for that past three weeks. I havent lived there in 25 years.
Again and again TransUnion , LLC has purposely reported incorrect information on my credit report trying to ruin my credit score! This has been a long uphill battle with TransUnion , LLC and they are still not reporting things correctly! I have discussed these issues with TransUnion , LLC repeatedly only to be notified by TransUnion , LLC and their subsidiary XXXX that something else is being reported wrong! Here is the latest problem, on XX/XX/2017 i received notification from TransUnion , LLC and it 's subsidiary XXXX that my total reported account balance has increased by {$6000.00}. which effects my credit score! This is wrong! In fact my total account balance has decreased and decreases each update! TransUnion , LLC says it 's because the previous balance on all ( XXXX ) of my XXXX credit cards was {$0.00} and this is also incorrect! The first XXXX credit card balance account ending in XXXX the previous balance was not {$0.00} it was {$1800.00} and the current balance is {$1800.00}. The XXXX XXXX credit card balance account ending in XXXX the previous balance was not {$0.00} it was {$3300.00} and the current balance is {$3200.00}. The XXXX XXXX credit card balance account ending in XXXX the previous balance was not {$0.00} it was {$970.00} and the current balance is {$910.00}. The total account increase of {$6000.00} is not right and needs to be removed!!! All of this has affected my credit score!! All of my points being removed while TransUnion , LLC constantly makes errors while reporting my accounts and balances need to be added back to my credit score! I want all of my points added back and the correct information reported! Please see supporting document that I 've uploaded for verification.. thank you!
I have a Bank of American Mortgage Loan which I secured in XXXX for property, XXXX XXXX XXXX XXXX, XXXX GA. Since, XXXX Bank of American removed the Mortgage Payment History regarding this Mortgage from my Credit File. I have contacted BOA on several occasions and requested their assistance with placing my payment history for this particular mortgage BACK TO MY CREDIT FILE. 
Attached you will find a copy of a current Mortgage Statement for payment for this Mortgage along with a recent copy of my XXXX Credit Report which still reflect NO REPORTING of my Mortgage and/or Mortgage History from BOA which I disputed with XXXX. 
It would be much appreciated if CFPB can assist me with getting BOA to come into COMPLIANCE WITH the FAIR CREDIT REPORT ACT!
I received a letter saying my house was going into forclosure even though im up to date with payments.they say when I received a loan modification years ago I missed a payment.i did n't even have this company back then, my loan was sold to them months ago, and its been a nightmare since the beginning.they keep losing my payments or put it in unapplied funds.what can I do?
Hi i sent letters with the past XXXX month to all three credit bureaus and have not got back any response.
There are currently 2 negative accounts on me Experian Credit report. 

XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX. 

I have disputed these accounts twice. Both times experian has verified these accounts via the XXXX electronic system. This is not a reasonable and thorough investigation. I have called experian multiple times and they have told me that they only verify accounts using the XXXX system. By FCRA laws Experian is not allowed to " parrot '' the information from creditors and they are not allowed to shift the burden to the consumer, which they have done by telling me to contact the consumer and ask for documentation and account verification. However I have called both of these creditors and on several occasions I was told they have no documentation or contracts regarding these accounts. I asked for something in writing stating this and I was told that I was on a recorded line and that was sufficient enough. 

How could either of these accounts be legally verified if I can call the creditor and they tell me that they have no documentation.
After reviewing the fair practices act- then going over the loan documents with my co-signer we believe that we were led to think that our loans were student loans Not private ones- If I 'm read things correctly the loan provider should have provided one or maybe all the documents listed below as examples :
I have requested verification of this debt from Wells Fargo Dealer SVC on three different occasions by mail, however the business failed to provide adequate proof of this debt being mine. Considering this business does not have a contract with me for goods or services they provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
I have several accounts with Wells Fargo. In the six months I have have unauthorized funds taken out of my checking account. They did investigate and put the funds back in my account. I now feel very insecure with the handling of my accounts.
On XX/XX/2018 I sent letters of dispute under section 623 of the FCRA to the companies listed below. The companies had previously " verified '' the validity of these accounts to the credit reporting agencies, and the items remained on my credit report. Section 623 gives consumers the right to dispute inaccurate information on their credit reports directly to the data furnishers, after disputing directly with the credit reporting agencies. All of the companies listed below did not respond to my disputes within the allotted 30 day period per the law. The accounts must now be deleted per the FCRA. As a refresher section 623 of the FCRA states in part the following : " DUTY OF PERSON AFTER RECEIVING NOTICE OF DISPUTE- After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. '' It goes on to say " ( b ) Duties of furnishers of information upon notice of dispute.

( 1 ) In general. After receiving notice pursuant to section 611 ( a ) ( 2 ) [ 1681i ] of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall ( A ) conduct an investigation with respect to the disputed information ; ( B ) review all relevant information provided by the consumer reporting agency pursuant to section 611 ( a ) ( 2 ) [ 1681i ] ; ( C ) report the results of the investigation to the consumer reporting agency ; ( D ) if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis ; and '' The companies below have failed to follow the law as written. If these accounts are not deleted I will be forced to seek legal remedy under the FCRA. 

The companies in question are the following : XXXX XXXX : Partial Account # XXXX XXXX XXXX XXXX  : Partial Account # XXXX XXXX XXXX : Partial Account # XXXX Attachments : Letters sent to each company Tracking information Proof of signature from each company
On XX/XX/XXXX I went to TD Bank in XXXX VA to have funds ( {$4000.00} ) transferred from my TD Checking account to my IRA at XXXX XXXX. I wanted this amount to be available as a tax deduction for my XXXX filing. XXXX emailed the wiring instructions to the representative while I waited for her to complete the transaction. The funds were deducted from my checking account, but a couple of weeks later in XX/XX/XXXX I realized that there had been no deposit to my account at XXXX. I opened a complaint with TD. To date the money has still not arrived at my IRA account and TD Bank can not account for it. I have been passed around by phone from person to person, department to department. They have no explanation although the manager tried to say that XXXX 's wiring instructions were incorrect. It is clear that the TD Bank representative misinterpreted the wiring instructions and sent my money to some erroneous location or account. At some point during several phone calls TD Manager XXXX XXXX told me that the money was deposited into someone else 's account and they are unable to recover the full amount. No other information has been given to me. 

It's been months. TD has given me no timeline for a resolution, I am running out of time to file my taxes and I will lose the ability to claim the deduction since I don't have another $ XXXX to compensate. I have recordings of our conversations and am planning to file a complaint in court.
WERE DISPUTED FRAUDULENT ACCOUNT DUE TO ID THEFT WITH EXPERIAN MORE THEN 60 DAYS, EXPERIAN DID NOT SENT ANY REPORT BACK TO ME.
Date-XX/X/2017 Amount- {$150.00} Company- XXXX  XXXX XXXX XXXX XXXX / XXXX XXXX XXXX, WA XXXX XXXX Ceditor-Paypal Client # XXXX XXXX Account # XXXX Amount Owed {$150.00} Sent this notice that the records of PayPal Inc show a balance of {$150.00}. XXXX due in full. 
This is an attempt to collect a debt. 

I have contacted PayPal and they did not show me owing any money to them. 

This is a fraudulent claim, I do not owe PayPal any money and they have no record of this debt.
Requested negative accounts to be removed from my credit report, creditor stopped collecting on those accounts. 
Experian refused to remove accounts. 
Today I tried again, it says I ca n't dispute accounts till I pay for another credit report & then I will be able to start a dispute.