WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX or XX/XX/XXXX I opened an account with fifth thrid bank because a coworker who was my employee advised me that they were a great bank and had a sign on bonus. He said his friend worked there and could supposedly get my funds from my other account transferred because I no longer wanted to deal with them. Not long after I opened I received a call from a fifth 3rd rep I'm assuming was the employees friend asking me to vefiry some personal information in order to transfer my money from one account to another. Said there would be no issues just needed to verify my info and next thing I know I'm getting letters stating large amounts of money were deposited into my account and it was being held. Unfortunately I got no where with fraud dept.the man who screwed my life up by doing this crap is working for this company. It has to be an inside job. I claimed fraud that i did not authorize these funds to be transferred and had no idea where they came from, they still wouldn't help me, never called me back after several attempts to reach investigator. then I noticed my card and info in the folder i got from opening my account was gone and maybe a few days later the man who worked for me never showed back up. I've always had good standing with my banks never anything fraud other than an online purchase or a gemmic and the bank handled it properly. Fifth 3rd on the other hand have allowed someone to withhold me from getting a bank account cause apparently their employees are crooked. I'm so mad and upset each time I speak of this. It's not fair and if I closed an account down how was someone able to take money out of it and where is the camera showing it was not me who made any transactions other than walking in the bank to deposit my initial XXXX  bucks when I opened the account. This is such fraud I've reported to FTA also to fifth 3rd who won't even respond to me other than say it was me. I need help this isn't fair and for once in my life can someone help me. Please
In the last XXXX job applications I asked to be sent a copy of my Consumer Report and both included, in the XXXX and the Felony Including Misdemeanor sections, a " Previous Address '' which I 've never lived at. My current address is correct, which I 've lived in since XX/XX/2001. Most job applications ask how long I 've been at my current address, and I always answer the correct amount of years, but if my 'Consumer Report ' says I 've lived somewhere I 've never been and I do n't even know *when* it says I 've lived there, the places I am applying to may see this as me lying on my job application and thus not give me a job. I do not know how long this has been in my 'file ', but I do know that I have been looking for a job for the past 6 *months*, and as I have no black marks from my previous jobs, no felonies nor misdemeanors nor even a parking ticket, I can only assume it is due to this fake address somehow in my Consumer Report.
This company continues to report incorrect data. I continue to fight with them on removing this debt. I located a screen print of data that shows the re-aged the first delinquency of this debt. HSBC has not been in business since XX/XX/XXXX. I called XXXX XXXX, who I have current debt with, state they no longer show this debt as it has been closed for 7 years. This company is attempting to pass this on as new debt. It is not, which is a violation of the FCRA. In additional Texas Finance code ( Texas Finance Code Section 392.202 ) states it goes by the date of first delinquency.
The company has yet to provide me a copy of the surety bond, which is required to collect in the state of Texas per the Finance code. Texas Surety bond information as required by Sec. 392.101. This company continues to just close my complaints with some bogus generic response.
I pray you force this company to provide a copy of the surety bond and the initial records of my last payment to HSBC, which will prove they re-aged this loan and violated the FCRA reporting requirements. I want all my billing statements from HSBC to reflect this is not new debt and this company violated my rights under FCRA. I expect to receive these statements from date of origination to date to XX/XX/XXXX. I also want a copy of the welcome letter and the purchasing agreement and records reflecting the last payment of this debt and the amount this company paid for the debt. I demand all of this within 15 days of submitting this request.
I will continue to open a complaint until I get the information I am requesting and this is removed from my credit report. This company has yet to provide the requested documents. They are ignoring my requests completely.
This debt was not opened in XX/XX/XXXX or XX/XX/XXXX. And XXXX XXXX who took over HSBC verified this information. I give the CFPB permission to call XXXX XXXX to verify this information and verify this company is reporting wrong information and refuses to remove it off my credit report.
This is a complaint against American Express. I have been a victim of identity theft for two years and my XXXX credit report shows an open account without my permission, without my authorization but this is not the worst thing is that it was opened with another number of Social Security that is not mine, so what is this abuse and lack of respect, the bad work that your department does to report to an agency a fraudulent account in my credit report.
Experian, XXXX, and XXXX credit bureau are reporting that I have a collection account with XXXX XXXX in the amount of XXXX dollars for services rendered for a medical procedure. They are reporting a date of XX/XX/2018 as the date of being delinquent, when in fact this collection is over 6 years old. The debt has been recently sold to a new debt collection company and The collection has be re aged which is illegal and has caused my credit score to drop significantly. I opened a dispute with Experian and the results stated " Updated '' but the dates were not updated and nothing was changed on my credit report to reflect the correct delinquent dates. This collection is showing on my credit report as a new collection and only reflects that it has been 1 month since the collection was opened instead of a collection that is over 6 years old. Please correct and advise.
I have called Navient several times over the course of the last few years to get help lowering my payment but they keep saying there is no way to do so. I 've been paying on my XXXX since 2004 and I have a child in college and am having a hard time swinging all of the payments. I 'm not asking for something unreasonable as I 've made payments of {$250.00} a month for years and never missed a payment despite my loans being transferred from the government to private companies. Just some reasonable assistance.
A woman named XXXX XXXX from Dynamic Recovery Solutions called my husband looking for payment on a charged off credit card in my name from 2004. He informed her that the statue of limitation had run its course and she threatened to ruin his credit if he did not give her my direct phone number. 

I then called the company myself and spoke to a different collector who then told me they would sue me if I did not pay the account in full despite me reciting the statute of limitations and my rights under the FCRA. He then hung up on me.
XXXX XXXX XXXX is falsely reporting a high balance on my credit report. I had a vehicle with them opened in XXXX of 2015 for approximately $ 12K. I voluntarily surrendered this vehicle and the remaining balance is $ XXXX after the sale of the vehicle. My equifax credit report shows the accurate $ XXXX tradekime but tally also added another $ XXXX tradeline onto my equifax credit report. It goes without saying that this is negatively impacting my credit score. This trade shows a term of one month, no payment history, and also that it was charged off. I have tried to contact XXXX XXXX XXXX to update my credit report removing this negative information to no avail. Please help.
My name is XXXX XXXX XXXX and in XX/XX/XXXX, I had a judgement against me and went through a wage garnishment. After my wages were garnished, I thought I would receive a Satisfaction of Judgment Letter that the company was to file with the Courts, I called them and they indicated that I still owed XXXX in interest charges. I paid the interest charges in XX/XX/XXXX and wrote them a letter indicating that they submit with the court A Satisfaction of Judgment Letter and mail me my copy. It has been three months and they have not responded to my letter nor sent me my copy of the Satisfaction of Judgement Letter. The company is Modern Adjustment Bureau. I am trying to purchase a house and would like any and all references of Modern Adjustment Bureau deleted from all 3 bureau reports since my debt is paid in full. I wrote them a letter on XX/XX/XXXX, and still have not received a response from them. This is effecting my life as this is still on my credit and I can not qualify for a house since this is still on my credit and I have no proof that it is paid since I do not have my Satisfaction of Judgment letter from the Courts. As I understand it, I could take Modern Adjustment Bureau to court and get damages, but I would rather try to fix this another way. Please help me if possible, I've been going through this for some time now. Thank you
I am a disabled/retired state employee that banks with the State Employee Credit Union. They also hold my mortgage ... Which is two months behind. I have been working with XXXX XXXX, at the XXXX XXXX office in XXXX. Last month she deducted {$300.00} out of my checking account to go towards my mortgage ... without any notice or authorization from me. I live on XXXX and a widow 's check ... And I barely make it month to month. To take {$300.00} from me causes me a hardship you would n't believe. My co-pays for my meds are around {$200.00}. I got on the phone last month and ended up talking to XXXX. He told me that if I ignored letters and phone calls, they could legally take it out. This was the case with me ... last month. He allowed me some money back so I could get my XXXX and live on until my next check on XX/XX/XXXX. Well ... She did it again! She took out {$300.00} on XX/XX/XXXX. Only this time I had not ordered my medicines yet ... Any of them. XXXX XXXX suggested we call the bills I paid that morning to get them to hold or delay payments ... I declined. She also told me that the money was showing in my account and that I should hurry and get my medicines while it was still there. I was NOT out of touch with her ... we had talked the previous month. We discussed me putting money into my share account ... And I had put {$100.00} in there ... she still deducted the {$300.00}. he has no right to decide how and where I spend my money ... And especially not to leave me hanging with no money and n medication for 3 weeks. Seems like she should be doing foreclosure papers ... Not taking my money
On Monday of this week, I logged on to Avantcredit.com. The website said I could check my rate and loan amount without effecting my credit. I answered the questions and was pre-approved for a large dollar loan. I was only needing {$2500.00} and not the huge loan amount that was pre-approved. After three days, my loan still had not been approved. I called their customer service and was told they needed to verify my employment. Each day I would call and received the same response, waiting to verify employment. On the 4th day after calling and letting them know I had filed a complaint with the XXXX, they denied my loan. I believe this may have been retaliation?? Avant is a sub prime lender with extremely high interest rates. It 's pretty hard to be denied a loan by these type of finance companies. I have also had a loan with this company in the past and paid the loan off well before the final payment. This company is very misleading when they state you are pre approved for a loan up to a certain dollar amount. It does not say anything about based on additional credit criteria after applying for the loan. It also stated my credit would not be effected when applying??? Not so sure abut this yet. It will take a few weeks to show up on my credit report. My other complaint about this company is that they ask for your user ID and password to your personal checking account. I was extremely uncomfortable providing this information. They claim the information will be kept secure. Based on my experience with this company, I do n't think anything is secure with them.
BBVA is giving me the run around over closing a CD that recently matured. I have been on the phone for hours and all they do is keep transferring me. I have been told I would have to go to a branch and there are no branches in my state or any neighboring states. It was opened online. They are refusing to close my account at this point and it is over {$100000.00}. Please help, I am desperate for my money.
Experian has re-added a previously deleted account. As of XXXX 2017, XXXX XXXX was no longer appearing on my credit report. Suddenly today, experian re-added the account to my credit file. This account was previously removed by Experian, XXXX & XXXX as this account was fraudulently opened.
I sent a written dispute into experian to have XXXX medical collections investigated and to get them to get the company to send proper proof that these debts are mine and not a computer automated response. I received a letter from the refusing to reinvestigate these XXXX accounts. I originally disputed them online and like I said earlier, they did a computer automated dispute to the company and didnt fully investigate the accounts. I want them to fully verify these accounts are not mine. That is why I sent the written dispute in to stay out of the computer system generic dispute. They do not have the right to refuse to investigate innacurate info and are required to check the validity of a collection account. I want these XXXX medical collections disputed like I originally requested in my written dispute or removed completely from my report. They are XXXX XXXX XXXX XXXX for {$760.00}, XXXX XXXX XXXX XXXX for {$310.00}, and XXXX XXXX XXXX XXXX for {$130.00}. 
Please either investigate thoroughly like I requested in my written dispute and send me the results in the mail or delete these XXXX collections from my report Attached is the letter they sent me refusing to investigate the accounts
On XX/XX/2018 I went to the bank to pull money out for payments including the one to the company that took money out. I noticed XXXX was taken out of my account " without my permission ". I called the company who removed my funds that day to demand that they return the money. I was informed my account was behind and I explained to them I understand that but I never authorized that amount. They were unable to do anything due to no manager on duty XX/XX/18. I used to work the company about a year ago and I agreed to loan with one of the co owners : XXXX ". I never signed for a credit authorization form though. They were able to obtain my card information from calling payments in the past. I spoke to the manager " XXXX '' and informed her if they could please release my funds back minus the one payment that I was gon na make that day. Total amount I wanted back was XXXX then with another arrangement on Friday the XX/XX/2018. They refused to accept that and I informed them my electricity payment is going through in a few days. They still did not accept nor give me my money back and really put me in a pinch and having to ask family and friends to help pay from my electric bill. I understand my account was behind and I was going to make the payment that day but they decided to debit my account without my authorization. I feel this was a deceitful collection tactic to help their collection numbers. I did not receive any letters stating that I would be debited and why wait so long and not when I was one payment behind. I am not sure they are in the right under the FDCPA to remove my monies without permission and without filing out a credit authorization form or going over the contract in depth if so the case.
Company calls repeatedly. I have told them that I do not have a job and can not pay what they want due to all my accounts with multiple creditors being in collections. 

They then turn to " oh I'm calling you at this number and you are answering so that means you have money ... Who is helping you, where are you living? You can obviously afford a phone and food so who is helping you where is money coming from ". How would you like to pay this debt today. We need a payment today.
The finance company because I've sued for fraudulent insurance products sales and withholding loan copies of signed contracts by both parties. I was sold insurance products when I met requirements approving me for this loan by this manager But promises were made to me during the signing purchasing of XXXX and other insurance products of the contract but there was no basis of truth to that promise made by this manager and this finance company which delaying and refusing to pay my insurance benefits by this finance company. The manager and other loan officer at this location has wrongfully denied me access to refinancing my loan as retailition because I filed a insurance claim to receive insurance benefits I was sold and paid for which was included in my loan but has abused their authority and used fraudulent acts against me by willfully denying me access to my renewal amount at the time of XX/XX/XXXX and the renewal amount I was suppose to receive was XXXX included fees against me to increase her commission. 
Also credit card, and debit card payments were called in over the telephone at this finance company and accepted without signed permission in writing prior to taking the payments and not applying proper credit to the balance of my loans. Which violated SC, NC and Federal Law and my rights willfully denying the same. Renewals and telephone renewals were given by this managers friends and other customers but I was denied renewal of my loan as retailition of filing a insurance claim previously. As long as I accepted her previously excessively charging me high interests rates, not requesting customer copy that e both signed and not letting hr throw them in the trash and or keep them I was allowed to renewal of my loan there since XXXX. I was hurt by this finance company 's retailition against me causing hardship on me financially and my good name since I filed my claim which I should add I tried everything in my power to prevent in emails. The last call from this manger that abused her authority and retailited against me. They tried for a year to deny and prevent me from filing a insurance claim stating I never bought XXXX insurance PMT but I produced my customer copy I had to ask for or she wouldn't gave me a customer copy that we both signed.
Transunion had a glitch in there system that violated the rights of their consumers under section 6.11. A s a result, I have been gravely effected and my credit score is suffering as a result. No Notice was ever given which is also a violation. I am requesting that ALL inquires be removed. 
Creditor Name Type XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Bank Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Credit Union Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Credit Union Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Home Furnishings Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Department & Variety Stores Creditor Contact Details XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
I fell behind on my mortgage about 6 months ago due to separating from my wife and then my mother passing, two of the roughest moments in my life. I tried to reach out to Carrington to make up my payments but they wanted everything in full, which being on a fixed income of SSI, I could not realistically do. Then the other day I received a Notice of Trustee sale for a sale date of XX/XX/2018,  not even 10 days notice to prepare for other options or try to seek for help. I am aware that the Notice of Trustee sale should be notified within 22 days of the sale date which it was not. I am familiar with the HBOR laws and I was never provided with a point of contact throughout this foreclosure process, Carrington never offered or told me to submit documents to be reviewed for any type of assistance.
I noticed a collection account on my credit report from XXXX XXXX ( collection agency for XXXX XXXX ) 'date open ' : XX/XX/XXXX. I disputed with the credit bureaus requesting validation. The account came back as being " valid ''. I responded to the credit bureaus by letting them know in plain words that it is physically impossible for there to be an account opened in XX/XX/XXXX as the apartment complex I live in is not contracted with XXXX XXXX. ( I have been in the apartment since XX/XX/XXXX ) At the same time as I responded to the credit bureaus, I sent the collection agency, Convergent, a letter requesting validation of the debt. They responded stating, " This debt is valid, attached is verification of the debt. '' Attached was a screenshot from what appears to be a computer system. 

A contract was not included. There is nothing showing a breakdown of the amount that is owed.
I have been sending correspondence to XXXX since XX/XX/XXXX to have them validate and verify some of the accounts on my credit report. I sent them 3 different letters, each one month apart giving them the chance to resolve the issues. It is my understanding that in order for them to report accounts on my credit reports, they must be able to verify and validate those accounts. They never sent me anything on how the account was validated or verified even after I asked them on several occasions to do so. It has been over four months and there are items that are still on my credit report that I asked for verification on my first letter on XX/XX/XXXX. I would like all of those items off of my credit report since they have been unable to verify that those accounts actually belong to me. I am aware that they have 30 days, plus an additional 15 days to do so and they have failed that time frame. The accounts are on the letters I will attach. They sent me reports over and over saying the accounts were verified and remain on my account but never gave me proof of verification, like I requested.
HSBC REPORTING THE SAME MORTGAGE TWICE, ONE UNDER HSBC T HE OTHER UNDER MORT GAGE SERVICE CENTER. IT LOOKS LIKE I HAVE TWO PAYMENTS DUE PER MONTH FOR {$2800.00} WHEN ITS ONLY ONE.
I received a mail solicitation from Citibank to apply for the XXXX credit card. This card carries a XXXXannual fee. The wording of the solicitation indicated that I had already been pre-approved for this card. Since I already have XXXX credit cards with Citibank, I applied for this card online, using the reservation number given. 
I was declined for the credit card, with the reason given that " Your payments were low on one or more of your accounts with us, '' in addition to the standard " ... balances on your revolving accounts are too high in relation to those credit lines. " I can understand the second reason. I sent a letter, certified and return receipt requested, to Citibank requesting clarification on the XXXX reason. 
I received a second letter in response, only detailing the high balance reason. 
My issue is that I always make more than my minimum payment to Citibank each month on XXXX their cards. They did not provide information to advise on what criteria constitutes an 'acceptable ' payment level in order to qualify for the card that they sent me an invitation to apply for. 
There is obviously a secret criteria that is being used not based upon something known and objective, such as credit scoring, which is discriminating against a customer without them being able to remedy it. 
This is arbitrary and capricious, and should not be allowed.