WillisBack/dataset-financial-user-claim huggingface dataset:
I contacted Discover Card on XX/XX/2018 to see if there was any offers or opportunities to lower my interest rate. After speaking with an agent, she offered to apply an additional {$25.00} to my principal if I made a one time payment on my account at that moment. I asked the agent if this would result in a double bill since I enrolled in auto pay. The agent said no, it is illegal to bill me twice in the same month. After agreeing to it, I noticed on XX/XX/2018 my checking account was missing an additional {$200.00} which was the result of being billed again by Discover. After calling in to report this and ask for a refund, I received subpar service and was told that a refund check would be mailed out in 3-7 business days which caused me to miss my student loan payment. I asked repeatedly if there was any way to overnight my refund and I was told no, it's against their policy, despite the fact that they provided inaccurate information. The response was totally inappropriate given the situation. As of today, XX/XX/18, I still do not have the {$200.00} that they illegally took from me.
I visited XXXX XXXX XXXX & got a loan through XXXX for a vehicle in XXXX. InXX/XX/XXXX I totaled the vehicle & my insurance company paid out XXXX. This is currently showing on my credit as being reported late with a XXXX balance.
American Express gift card was used by unknown person in California on XX/XX/2017. We live in NJ and have not been to CA. Two {$1.00} charges to XXXX in XXXX ( card was supposedly swiped-magnetic transaction. Then on same day, online {$270.00} XXXX transaction which put the card at XXXX balance. American Express will not take any action and does not consider this fraud.
I sent a letter to  XXXX   XXXX   XXXX   XXXX  asking them to verify  XXXX  liens that are showing on my credit report. They responded that they do not report lien to the credit company. I have attached their letters.     I then sent a letter to Transunion asking them to verify the same  XXXX  liens on my credit report and they sent a letter back stating that it was verified.     If  XXXX   XXXX   XXXX   XXXX  does not report to the TransUnion, I 'd like to know how did Transunion verify that the information they are reporting is accurate and with whom did they verify this information?
Item in my credit report are double and older than seven years. Also there are item listed in my credit report wich state that I recently open accounts and thats not true.
I dont have any of these sickness that have been place on my MIB report. I believe someone else information was placed under my name. Please reach out to my Physician for my up to date Medical records. 
XXXX XXXX XXXX XXXX Or fax number XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX or fax XXXX XXXX XXXX XXXX XXXX, Fl XXXX
I have been receiving unemployment since XXXX of XXXX. My benefits were exhausted in XXXX of XXXX. I have found gainful employment starting in XXXX of XXXX. As a result of my circumstance, I am left unable to make my XXXX and XXXX XXXX payments. 

My unemployment was not a surprise, I had several months notice. During that time, I prepared for the financial loss. One step was to discuss with Citibank the terms of my loan and how many months forbearance were available to me. I was told I had a total of 6 months. I continued to make payments. 

I received a 1 month forbearance of my student loans for XXXX XXXX. I requested the forbearance due to an error in filing for benefits in XXXX, leaving me unable to make my student loan payment. I was granted the forbearance and resumed payments in XXXX XXXX. Before ending the conversation in XXXX, I asked how many months of forbearance I had left on the loan and was told I had 5 months remaining. 

On Monday, XXXX XXXX, XXXX, I requested to have my student loans through Citibank forbeared through the months of XXXX and XXXX of XXXX due to lack of unemployment compensation. I was denied. I pressed and was still denied. I spoke with XXXX, she relayed my situation to her superior. XXXX called me back and informed me that I would was not eligible for forbearance. I asked to speak with her superior and she told me my only recourse was to write a letter. 

Strangely, XXXX called me back on Thursday, XXXX XXXX, XXXX. I was surprised to hear from her. She started our conversation by informing me that I was, in fact, eligible for a forbearance. She then guided me through a worksheet where she, once again, told me I was not eligible. I was very confused. We were having the same conversation that took place on Monday. XXXX forgot that she had already followed up on my account. XXXX also apologized for telling me that I was eligible for two months forbearance, because by the end of the conversation, I would not be receiving a suspension of payments. 

I believe that I am being denied my 2 month request of forbearance unfairly.
On XXXX/XXXX/XXXX I sustained an animal bite and was directed to the XXXX XXXX Department where I received XXXX XXXX. Before being XXXX, they updated my medical insurance information and contact details. 

In XXXX XXXX my medical bill for {$2900.00} was still showing as outstanding in the hospitals patient portal, so I contacted XXXX and they instructed me to contact my insurance company, XXXX, as the payment had not been received yet. XXXX said they never received a claim from XXXX for this ER visit and instructed me to file the claim personally, which I did. I used the online interactive form and forwarded the claim documentation to the insurance company and to XXXX. Both XXXX and the XXXX XXXX XXXX XXXX department confirmed receipt of my claim and I kept both organizations on copy in my e-mail filing the claim. 

I had used the same insurance with XXXX previously and I did not have to file the claim myself - XXXX billed the insurance company directly and received the payment without me getting involved in the claim process at all. 

In XXXX XXXX I received a letter from XXXX XXXX XXXX informing me that XXXX XXXX XXXX have placed my account with XXXX XXXX XXXX for collections. I tried contacting XXXX to clarify, but every time I call, my call is routed to XXXX XXXX instead of XXXX and I was informed that I would not be able to speak with an XXXX representative.
I am filing a complaint against MG Credit as I do not have a signed contract with their company. This company is reporting negative information to the credit bureau which is impacting my credit worthiness. I have also attached the search results for Florida which is not showing an active license for this collection agency. According to the state of Florida Attorney General office they most have an license in order to collect in Florida. 

Please have this collection agency submit an active copy of their license to collect in Florida. If the company can not provide, I am requesting this negative account to be removed from my credit file as well as not sold to another collection agency.
Equifax Mortgage Services ( EMS ) made a hard inquiry on my credit report with Equifax , XXXX and XXXX. 
I did not authorized anyone employed by Equifax Mortgage Services to make an inquiry and view my credit report. They have violated the Fair Credit Reporting Act Section 1681b ( c ). They are not legally entitled to make the inquiry. This is a serious breach of my privacy rights.
I sent a letter to Trans Union letting them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and Trans Union refuses to delete the fraudulent accounts from my credit report stating in a letter they will not remove it. Trans Union provided no physical evidence to why they wo n't remove it, according to the Fair Debt Collection Practices Act and Fair Credit Reporting Act they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit.
I borrowed XXXX back in XX/XX/XXXX, and it was my understanding there was a XXXX fee for this loan ... They take payment through my bank account, and we are on XXXX, and live on a fixed income ... ..I thought this would only be a 3 month XXXX payment ... However, they have been taking XXXX out each month, and I called, because they sent a txt saying another payment was going to be withdrawn but this time XXXX!!!! I then went on line, and found out it is costing a whopping XXXX for the XXXX borrowed, and the interest rate of XXXX percent!!! I tried to call them to see if we could work something out, but they are not working at all with me, and I feel like I have been totally ripped off!!! Since the date of XX/XX/XXXX, they take XXXX out of our XXXX, and this month XX/XX/XXXX, I called them to not take the payment as we are having a hardship, and they said no, and the payment is gon na be XXXX this month!!! Well, I had to put a stop payment on this because we could not afford it ... ... I am not understanding one bit how this can be legal. Please help : ( Thank U!
On XXXX/XXXX/2015, I called Capital One to inquire why my card repeatedly declined. There had been a hold placed on the account regarding charges it felt could be fraudulent, but I had made the charges. I spoke to XXXX, an account specialist who lifted it after verifying pertinent information, and who said he 'd lift the hold, but it was n't lifted. I called back, but I could not remember my password, as I just get out XXXX two weeks ago, after having a long stay. I spoke to XXXX and subsequently XXXX who put me through the ringer, doing verification, passing all questions ; and, yet, they still demanded I send in proof of who I am, though by at that point I had remembered my password and it was verified. I went through a long verification process and passed, though XXXX LIED and said I did n't. I HAVE NEVER LIVED IN ARIZONA, SUCH QUESTIONS LIKE THIS WERE ASKED!! This is nothing but harassment. I just got out XXXX, and I am still very sick. XXXX had the audacity to tell me go out and apply for a state ID, as in NY you are not required to have a state ID. Here I am, sick, and this XXXX tells me to go get a state ID and send that in, after she had put me through a very long, longer than usual, verification process!!! This is nothing more than senseless harassment and ABUSE from these XXXX dogs, because they, literally, uncalled for, put me through XXXX! This is why I am filing a complaint, because there is a hold on my account and it is totally unnecessary, because despite repeatedly telling them and the notes showing XXXX verified who I am and was supposed to remove the hold, but he did n't who the system failed, they would n't budge.
RE : COMPLAINT ABOUT TD BANK BRANCH AT XXXX XXXX XXXX, XXXX NY XXXX BRANCH MANAGER XXXX XXXXHello : This is a formal complaint about the above referenced bank and its branch manager. 

First they refused to honor a {$2500.00} check payable to me as the owner of the law firm where I am directly listed on the account as the owner, opener, and as the account holder, thus severely screwing up my accounts and balances - they state they changed their policy a month ago but no written notification has been provided to their customers and no reasonable time was provided before this branch launched into such a disruptive and ridiculous policy. 

Second when I went to open up an attorney escrow account they made it as a regular escrow account not an XXXX Account which was again their severe mistake, with a regular escrow accounts being charged maintenance fees when no fees are supposed to be assesses on attorney XXXX Accounts as per state and federal regulations. 

Please investigate and advise.
Ocwen has purposely delayed our Short Sale application which opened XXXX XXXX, 2015 and is still open as of XXXX XXXX, 2015 ( timeline attached with details ). We have signed there requested contracts twice and submitted our financial information twice. Due to there unethical delays we had to go thru a second home appraisal, sign and submit another set of documentation, go thru a second review by the PMI company and now it is costing my husband and I XXXX of dollars in CASH at the time of closing. This is all caused by Ocwen 's incompetence and unethical behavior of charging additional billable hours for the Short Sale process. Each time I speak to a Representative, they ca n't find the information we submitted and do n't know what 's going on. I make appointments with our Ocwen Home Retention Specialist, XXXX XXXX at XXXX but I do n't get a phone call and I do n't receive any messages. Please refer to attached document for detailed timeline and information.
visited TransUnion website on XX/XX/XXXX to put a freeze on my credit checks. Website asked for my personal information including a credit card. I checked the boxes indicating that I wished to freeze my credit checking for both TransUnion and XXXX. Never was there a quoted price for doing this ; however I then received an email stating that I had made a payment for {$19.00} to TransUnion and had signed up to their monthly service. I attempted to call them to resolve this but ending up spending XXXX minutes on hold and never speaking with anyone. Called them again on XX/XX/XXXX and still can not get through. I will be contacting XXXX XXXX and disputing this charge.
We received a Letter in the mail addressed to XXXX XXXX at our home address. It said that synchrony bank received the request for credit for a credit program with Walmart. It stated that unfortunately they were unable to approve the request at that time because of prior application has been submitted too recently. XXXX XXXX does not live at our address and we do not know this person. We believe this is a case of fraud. Synchrony bank told me to send the letter to them and they would investigate it. The back of the letter also said to contact the consumer financial protection agency.
History : I submitted a insurance payout check from essurance to US Bank to pay off my auto loan. The bank has confirmation within their record keeping of possession of check and I have email confirmation ( XXXX/XXXX/2012 ) from XXXX XXXX that they are in passion of the check. XXXX in a call stated that there was an issue, the essurance check was more than the payout of the loan we agreed that U.S. bank would write me a check for the difference. I followed up with US Bank and was advised XXXX no longer works with US Bank, they were unable to locate the essurance check, and my account was now in collections. I have tried for over three years to resolve but bank representatives state they can not help me that I must make a payment. Bank reps have refused to return my calls or agree to meet with me. The balance has been reported to collections affecting my credit. I read an article about your agency 's ability to resolve matters and I seek your help.
XXXX XXXX, its a hard inquiry dated XX/XX/2017 2017
I have been dealing with XXXX XXXX, and i have been making small payments, which i have explained to them why that is, but they felt the need to withdraw {$610.00} out of my account without my acknowledgement or permission, and have sent my bank account severely into overdraft. I am struggling to make ends meet at the moment, and at the time i am paying medical bills, as well as life bills. I need that money back. Please help me.
I have contacted Experian numerous times filing multiple disputes via online and over the phone regarding inquiries recorded on XXXX XXXX, 2017, XXXX by XXXX, another by XXXX not authorized by me. Experian has refused to delete the erroneous inquiries and as a result, I have suffered undue financial adverse distress resulting in higher interest rates and was denied credit opportunity when I otherwise would have been approved. This is impacting me and my family in a negative way, it is unfair and I am demanding XXXX delete the inquires immediately. 

Additionally, I have disputed an account on my credit file listed as XXXX XXXX, account number XXXX. This is a derogatory account that is not mine, I have no knowledge of and have tried for months to have it removed from my file. It is showing as a closed account with a balance of $ XXXX. I have asked Experian to provide written documentation validating this account and they have been unable.The 15 U.S. Code 1681g - Disclosures to consumers requires CRAs to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. I am demanding this account be deleted from my credit report immediately. I have never had an account or contract with XXXX XXXX.
Opened a XXXX XXXX back in XXXX. In XXXX of XXXX I was away and extended my visit on a whim, so I that month 's payment was late. I have NEVER had a late or missed payment prior or since this XXXX time. XXXX 's is reporting this as a missed payment and it is showing up as a negative account on my credit report. I have talked to a few XXXX 's reps and all said that would be no problem to remove this XXXX item off my credit report, only to put me on hold and come to state that they can not do anything about this. All have said that they see my perfect payment history for the last 6-years, and agreed that this is ridiculous. XXXX reps said the company does n't care to help customers out when it comes to even a one-time mistake because it allows them to charge a higher IR % rate. This mark is screwing up my credit score BIG TIME and I had ID theft in XXXX and so I had to start from scratch again with XXXX credit. This is the only negative blip on my CR report and since I have been consistent for years and years with XXXX, I think they should give my a XXXX time courtesy and remove this. It has already been on my CR for four years. Also, the message center for card holders of XXXX is a joke. I Have writeen them XXXX times and keep getting emails that a reponse is in my inbox but when I go log in it says there is tech errors for months now.
Portfolio Recovery obtained credit card debt that was written off from the original creditors in XX/XX/XXXX; since then, they were not only calling our home several times a day ; but both of our elderly mothers at their homes! They would call my mothers house sometimes four times a day ; she refused to answer. We have no idea how they obtained their numbers. 

Finally on XX/XX/XXXX, I sent cease and desist letters for both of our accounts listed with this agency. Contact did not cease ; but I didnt send it certified mail/return receipt. On XX/XX/XXXX, I sent the letters again, writing second request. 

Today, XX/XX/XXXX, we received 9 envelopes in the mail from this company. Some included proof of credit card debt ; the other letters stated that we could request substantiation of the debt. The letters included with proof of debt owed are worded as, in response to your dispute ... 

Nowhere in the letters sent to them ( twice! ) was a request for validation, nor disputing the debts. It asked for them to cease and desist contact. 

Other letters sent to agencies sent us responses acknowledging our cease and desist request. Portfolio Recovery either employs people who can not comprehend/read the letter, or they are bold and continuing to harass us.
Brief summary : It appears that there may be fraudulent activity on my XXXX mother 's Wells Fargo account. Due to security concerns, Wells Fargo was unable to help us on the phone, and directed us to visit a retail location. The bank staff there ( XXXX, PA ) were hostile, uninformed, and impossible to work with. Fraud is an important concern for all of us. Wells Fargo initiated contact with us to request follow-up, but their staff have completely failed to help.
To whom this may concern, A previous dispute was completed on my behalf in which R. S. and Associates deleted this account from XXXX of my credit reports. However, this account is still listed on my XXXX  credit report. This debt was paid to XXXX XXXX prior to this company attempting to collect any form of debt payment from me. I was not notified by this company they were in an attempt to collect a debt that had already been paid. I do not have a contract with this company nor has any services have been requested by me of them.
My Chapter XXXX BK has been discharged. I also have multiple Hard inquiries I have requested to be removed multiple times that are still there. Transunion makes it very hard to dispute them. XXXX has BK as DISCHARGED but has XXXX Hard inquires, Trans has XXXX inquires, XXXX has XXXX. That is a big difference. Also XXXX reports as 8 late pays when that is impossible during CHapter XXXX. XXXX XXXX is showing 1 30 day late on all and that should be removed as well. The balance is also XXXX not XXXX
Not sure where to start. But recently we decided to rewrite our loan with a local bank ( XXXX XXXX ) because our PNC loan was sold to XXXX and then XXXX XXXX. 
After going over paper work with this reputable man at XXXX XXXX, we found out that back in XXXX, when we were forced into a foreclosure program ( PLEASE KNOW this wasnt our fault ). 
I ( XXXX XXXX XXXX ) had lost my job like many others. They were saying on the news to contact your mortgage company for some options, to keep or sell your home. 
PNC did a BAD thing ... .they have done this to SO MANY OTHERS ... they put us into foreclosure and we were NEVER behind a single payment. WE HAVE PROOF! 
I have records of EVERYTHING and yet going up against a big business like PNC feels hopeless. Please tell us we can get help! 
As we went to rewrite our current mortgage recently, we found out that PNC had rewritten our loan to a 40 year mortgage to help us out. This we understood. We did not want to leave our home, especially because we did n't HAVE to. But what we recently learned was ... .PNC had taken all our equity put into this home. {$25000.00}!!!!! We have lived in this home since XXXX and we have NOTHING to show for it thanks to PNC!!! 
We are sick!! We do not want this to happen to anyone else. THIS WAS A SCAM. 
As I researched online to see if there are any lawsuits against PNC, I came across SO MANY others that were put into the same scam!! How sad is that??? 
**Please PLEASE help us** ... .this was done unfairly. This was done to us while we were under attack and scared. This was done UNJUSTLY because we were never behind in any payments ... .all we did was ASK what our options were. 
I hope I have given enough information here and I welcome you to call me/us. 
Thank you very much for reading our complaint. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL
I called and spoke with an agent and then a manager asking to have my hard inquires removed. I have writte letters to each of the companies and have not received a response of validating or a letter of having the inquires removed. They are currently being showed on my credit report. 

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 credit inquiries are related to none of the aforementioned permissible purposes : 1. XXXX XXXX 2. XXXX 3. XXXX 4. XXXX 5. XXXX 6. XXXX Please remove these inquiries from my credit report immediately. I have enclosed a copy of my driver 's license as proof of identity.