WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018, I paid my HSBC credit card balance off in full. The money was deducted from my checking account with XXXX XXXX XXXX XXXX XXXX on XX/XX/2018. My card was declined when I tried to buy food from a food truck on XX/XX/2018. On XX/XX/2018 at XXXX XXXX   PST, I called HSBC to inquire why my credit card was declined on XX/XX/2018. The customer service rep told me that because the payment was such a large amount ( {$1000.00} ) HSBC had to investigate and verify the payment. When I asked why it was taking them 10 days, she said that she did not know, but that the card would be available for use on XX/XX/2018. 

Two things are unacceptable : 1. That it took 11 days to process my payment. 2. That I could not use my credit card for 11 days. 

If I do not get this resolved to my satisfaction, I will pursue legal action.
There is a false record on my credit report from ENHANCED RECOVERY CORP stating that I owe XXXX DOLLAR to XXXX. I have never received any letter neither from XXXX nor ENHANCED RECOVERY CORP that I owe them money. In fact, my account with XXXX is current and I have always paid my bills on time. Additionally, XXXX has also verified that I do not owe them any money. Surprisingly, this false record on my credit report indicates that since XX/XX/2016, I have an open account with ENHANCED RECOVERY CORP.
I went to a Bank of America ATM to withdraw money for my daughter 's back-to-school shopping. The ATM took my debit card and did not return it or display a message. I 1. called the number on the ATM machine to report a problem. Could not do so because I did not know the number on my ATM card since it was in the machine. 
2. I called the phone number on the back of my credit card, got a human being who transferred me to an automated system where I could n't get help because I did n't know my ATMS card number. 
3. Used my mobile application to get connected to a person who also transferred my into an automated system where I could n't get help because I did n't now my ATM card number. 
4. Drove home and logged into my online account. Called the number and after several minutes was still getting offers for XXXX and some cruise line with no apparent way to get to a person. Hung up. 
5. Tried my mobile app again. Got a person who did order me a new debit card. Would not waive the expedited charge. Told him I needed to get cash today. He said he would transfer me to an emergency cash phone number ( promised a person ). Was transferred to another automated system that hung up on me when I pushed 1 for debit card questions ( the only other option was credit card questions ). 
6. I had to borrow money from a 16 year-old!
I tried to obtain my free credit report from Equifax. They only way I can get it instantly is to PAY them. They will give it to you right away, if you pay them. But when you go to  XXXX  they ALWAYS say they ca n't give it to you, and that you must mail in your request along with enough personal information for someone to completely steal your identity if they opened the envelope.     It is my opinion, based on my own past and present experience with Equifax, and comments I am seeing from thousands of others on blogs, that Equifax has purposely made obtaining the free credit report as difficult as possible as many others are having the same experience I am.     In this day and age of financial institutions and consumers losing billions of dollars to identity theft, is it a responsible and prudent practice for Equifax to ask you to include a copy of your  XXXX , drivers license, social security card and other identifying information in  one  envelope to obtain your free report?     How many identity thefts and dollars lost can be attributed to Equifax corporation due to the hundreds of thousands of people who are sending their entire profile of sensitive data in one envelope to get a free report?     I have had money orders stolen so I can attest that mail does get open and stolen and many times by people that work for  USPS  or the shipping companies who are infiltrators that send data overseas. It happened to me and it was explained to me by the  USPS  and   XXXX   XXXX   this does happen.     Once again, big corporations have found loopholes to get out of following the laws, because many wise folks are not willing to send that data in the mail, so you are forced to pay them for a report.     I thought the credit reporting agencies mission was to protect the banks not setup opportunities for them to lose money through identity theft?     It is surprising to me that the CEO of a big corporation with all of its degreed leaders are not smart enough to see the lack of common sense in requesting these documents in the mail from consumers. Greed blinds people and clouds their thinking.     I had the same issue many years ago before this complaint site was established, with Equifax never being willing to send me a free credit report without mailing in all my sensitive data but I could always seem to get it online instantly if I paid them. Interesting how that works.     I was and always have been able to obtain the free report from  XXXX  and  XXXX .
Debt was paid at least a year ago to creditor. Tried to straighten this out through XXXX XXXX, but collector refuses to remove debt from credit report.
This company continues to place negative, derogative, new and recent payment notifications on this account this account. I have been disputing continuously since XX/XX/XXXX. They have placed charged off new activity in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

How does a charge off account that was sold to a collection agency have late payments, past due amounts and balances and they probably filed an insurance claim for this loss also? 

I contacted this company and they ignore my request and refuse to correct the inaccuracies on my credit reports. 

I filed a dispute with the XXXX, XXXX  and XXXX they have not been any helped. 

I filed a dispute with the CFPB in re of XXXX, XXXX or XXXX   not disputing this account that is not being reported with 100 % accuracy. 

I am requesting that you tell XXXX XXXX to correct the inaccuracies on my account or delete this inaccurate account.
I am extremely disappointed with XXXX XXXX XXXX. Over 6 years ago I had work done at with XXXX XXXX of XXXX XXXX XXXX. They always told me they would work with my insurance company on payments. After 8 months they sent me the first invoice, a past due bill and threatened to send me to collections. I worked hard to settle with them even up 1.5 years after the work was completed. They stopped communicating with me and now after 5 years they sent me to a collection agency for twice the amount. I called the collection agency to try and settle again and was told that XXXX XXXX did not want to settle and instead instructed the credit collections company to report it as a collection account to the credit bureaus. They wanted to have my credit score damaged. 

I do n't think this is any way to run a business. I offered to settle and they have decided to be spiteful instead and damage my credit.
A few months ago I realized I was the victim of Identity Theft and some credit accounts were opened in my name unlawfully and charges were made unknowingly to me. I discovered the theft from viewing my credit reports from all XXXX bureaus. I froze all of my credit files, completed an ID Theft Affidavit with the FTC, obtained a police report from my city, sent Affidavits of denial and ID Theft to all creditors and collection agencirs that contacted me trying to obtain money from this clearly fraudulent account. These collection agencies continue to try and collect from me and not remove these items from my credit reports. The collection company is XXXX XXXX and they are collecting for Kay Jewelers aka Sterling Jewelers for account XXXX. This account is one fraudulent account included in my identity theft.
On XXXX XXXX, 2016 I applied on line for a home mortgage with Whitney Bank ( NMLS # XXXX ). On XXXX XXXX, 2016, I received an email from XXXX XXXX ( NMLS # XXXX ), the Residential Lending Officer with Whitney Bank who would be assisting me through the process. In that conversation, I spoke with him about pre-qualification requirements and the XXXX ( XXXX ) XXXX XXXX XXXX Program, a mortgage loan program that provides assistance to cover the borrower 's down payment and closing costs. On XXXX XXXX, 2016 I received a Mortgage Loan Pre-Qualification letter to purchase a home in the " {$350000.00} price range ''. The proposed loan was a Conventional 5 % down payment loan. The loan was also contingent on qualifying for down payment assistance for the XXXX XXXX program. 
On XXXX XXXX, 2016 a final offer was accepted on a house. The executed contract via email was forwarded to XXXX XXXX. The Third Party Financing Addendum of the contract stated that I needed to obtain conditional loan approval by XXXX XXXX, 2016. If for any reason I was not able to obtain financing prior to this date then I could terminate the agreement and have my earnest money refunded. This was highlighted in the email sent to XXXX XXXX on XXXX XXXX, 2016. Closing was scheduled on or before XXXX XXXX, 2016. 
On XXXX XXXX, 2016 I received conditional approval with a few remaining conditions. Conditions were met on XXXX XXXX, 2016. Again, on XXXX XXXX, 2016 I received another approval with conditions that were satisfied in a timely manner for closing. XXXX XXXX failed to deliver final disclosures, and obtain down payment assistance through the XXXX Program in a timely manner. As a result I lost my earnest money and other funds relevant to this transaction. 
Please see uploaded supporting documents and full complaint details.
I was in a lease in 2001, I turned the vehicle in and XXXX XXXX bank signed off that nothing was owed and everything was in good repair. Now they are trying to come after me for money, {$1700.00} when I never even owned a debt in the first place. This has been over 14 years ago, I do not even owe it and they are trying to garnish my wages and charging over 200 % interest. This is illegal. XXXX XXXX bank has no record of it, obviously this is fraud. I believe they constantly harass me because I am a woman as well, this is not even a debt, they brought this from the woodwork and cannto provide me documentation of it, nor can XXXX XXXX, it is fraud.
This company is calling my family and sharing information about the debt with them. My mother answered the phone and they asked for me and she told them that she was my mother and they proceeded to give them the amount of the debt, the original debtor and asked how she would like to pay for this. She told them again that she was my mother and he asked if she would like to help her daughter out and pay this debt. My debt is my business, not my mothers.
i have so many credit inquiries on my reports that i do n't even know these companies. plus i have a collection account from XXXX that is banned from fdca. i have called all XXXX credit reporting agencies and got no where. sometimes ever very rude. i hope you can help.
XXXX BANKXXXX BANK INSTEAD OF ACTIVATING XXXX INSURANCE ACCT AS I AM XXXX AS THE INSURANCE SHOULKD BE ACTIVATING! INSTEAD THIS SOLD THE ACCT SO A COLLECTION AGENCY! 
CAVALRY ; XXXX XXXX XXXX, NY XXXX.
I am a victim of identity theft and on XXXX XXXX, 2016 I send a formal dispute to Rent Recovery Solutions ATTN : XXXX XXXX. This request was sent Rent Recovery Solutions via Fax to XXXX and the transmission verification report states result OK. Enclosed with the request was the following : a copy of driver 's license, proof of address, the police report, Power of Attorney, credit report, Social Security card, and police report as required. We have yet to receive confirmation from Rent Recovery that our dispute was received nor have we heard back from XXXX XXXX after several attempts. Our dispute has now been pending for over 65 days and this should have been ample time to at least hear back from the company. I am not requesting that this account been deemed fraudulent and to obtain a clearance letter to ensure my client will not be held liable for this debt at a later time.
XXXX XXXX ( XXXX ) XXXX calls repeatedly about a " federal loan '' that is not pertaining to me at all. When I call them and tell them about it they will say I'll be put on the do not call list and not bother me, but then still call me every week and sometimes multiple times in a day ....
Applied for Verve mastercardNever received cardCharged {$120.00} annual fee on XX/XX/2015 but never got card or activated it. 
Cardholder services said card mailed out XX/XX/2015, three days after i was charged. 
To me this should be illegal. 
This has happened to many people that i read about online. 
XX/XX/2015 the Consumer Financial Protection Bureau ( CFPB ) ordered Continental Finance Company LLC, a subprime credit card company based in Delaware, to refund an estimated XXXX to approximately XXXX consumers who were charged illegal credit card fees. The agency found that the company 's " fee-harvester '' subprime credit cards misrepresented certain fees and hit consumers with illegal charges. The order also requires the company to pay a civil penalty of {$250000.00}. 
they are still doing this!
To Whom It May Concern : I have noticed that you have placed an inquiry on my Experian credit file dated XX/XX/2016. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this complaint to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter.
Trans Union in inquiry server problems created reinsert inquiries without my knowledge. <P/>Inquiries : XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
I have a TD bank account which was improperly handled and was changed without my permission from a student checking to a convenience checking account which by there own guidelines I am still eligible for ( the student checking ). 
Because of this I am being hit with approximately XXXX $ every time my account drops before XXXX . This is causing significant financial difficulty because Im on short term XXXX right now and have high medical bills from XXXX I had. I just thought the government should be aware of whats going on with TD and there shady business model with being coninously hit with overdraft fees while being less than a dollar short and multiple fees that are the result of not having enough money
I noticed an issue with my billing with I logged onto my mortgage account online. I tried calling the customer service number I usually contact but when I tried to get a representative I was transfered to person 's voicemail. I thought there was a problem with a the system and tried calling back later and had the same issue. I left a voicemail just in case and continued to call for a few days. I then contacted the new mortgages department and asked for some assistance. They encountered the same thing and the person said they would send an email to customer service and see what he could do and get back with me. I got a call back later and was instructed of a way to get through by hitting zero and pound several times. I was able to get through and was told it was because of my account that this occured. I tried explaining that did not make sense and was then disconnected.I send an email through their online system and it instructed me to call my account advisor. She never calls back no matter how many messages you leave. I sent another email and did not receive a respond yet. I ca n't make a payment online, on the phone and ca n't get a call back. It is very scamy and they keep charging me late fees.
BBVA Compass XXXX XXXX XXXX XXXX XXXX XXXX Card and its special XXXX Rewards feature during XXXX Finals ( cardholders can get up to XXXX the points for purchases made during the Finals ) has led BBVA to suspend purchasing on my and numerous other consumers credit cards due to " security concerns '' when BBVA fully well knows people are trying to use their credit cards to cash in a bank promotion that the Bank is not fulfulling. I have tried contacting BBVA about this issue by email, phone, XXXX and XXXX. I have not gotten any answer other than that someone will call be back. As this is a time sensitive promotion, I need specifics or I will consider this fraud by deceptive advertising.
Was recently notified by XXXX card that my FICO score had dropped XXXX points. I checked my credit reports and Equifax shows a tax lien filed in XXXX County New Mexico on XX/XX/2017. There is a new federal law that requires credit reporting agencies to remove liens if they do not contain full name SSN and date of birth. This lien does not. I have been through this with XXXX and they removed it from my report. The County Clerk has also removed it from the records, as it was not timely filed, and I was not a New Mexico resident for tax purposes. The tax lien record number is/was XXXX. Equifax has recently placed this in my credit report, I believe illegally according to federal law. I do n't understand how this could happen. They should be aware of the law and abide by it. I will send copies of all pertinent information to the CPFB along with a copy of my complaint, as I am unable to attach it to this document.
On XXXX XXXX, 2015 I went to an Atm to with drawl my rent money. I have used my direct express card here many times. The Atm froze and never gave my money, but that bank did withdrawal from my account. I have not yet got my money back to pay my rent, now I have to pay a late fee.
I recently set up payment plans with a collection agency in XX/XX/XXXX I set up for XXXX dollars at the end of each month to be taken out and for the first payment to be taken out XX/XX/XXXX. I paid XXXX dollars over the phone for the month of XX/XX/XXXX over the phone the same day I set up my payment plans. Well then at the end of XX/XX/XXXX someone took out XXXX dollars out of my account which I didn not give consent to. I strictly stated over the phone for the XXXX payment to start in XX/XX/XXXX so I know it 's only XXXX Dollars but I did not consent for that money to be taken out of my account. I have been playing phone tag with the people for over XXXX weeks now and I want my money I never gave any consent for that payment to be taken out so I feel as I was robbed it is impossible to speak to anyone who speaks great XXXX so calling this company repeatedly does nothing. Midland Credit Management , Inc. are scammers in my eyes!!
I lost my source of income during the fall of XXXX and fell behind on my mortgage payments that Ditech serviced. 

In XXXX XXXX, I called Ditech and was told I would not be approved for a modification since any modified PI payment would be greater than the pre mod payment. I was referred to their attorneys. Their attorneys referred me back to Ditech. 

Despite over ten requests to change my mailing address, Ditech continued to mail correspondence to an incorrect mailing address. Not once did I contact Ditech and find my " assigned '' rep. 

Between XXXX and XXXX XXXX I contacted DiTech numerous times requesting additional opportunities for modification or alternative ways to avoid foreclosure such as a repayment plan. None were provided other than a short sale and deed in lieu. 

I educated myself on Fannie Mae 's modification programs. I knew that the XXXX XXXX program had replaced all others and that XXXX XXXX, XXXX was the deadline for its implementation. I also knew that the XXXX program was sensitive to those consumers beyond 90 days default with a foreclosure sale date set. This sensitivity expressly stated that requests for modifications did not need documents or borrower financials if default was greater than 90 days. Ditech continued to insist that any modification request would need an accompanying completed package. 

Randomly one afternoon in XXXX I was verbally told my flex modification was denied. I had crunched the numbers using the Fannie Mae 's XXXX XXXX waterfall guidelines ( straight from XXXX XXXX XXXX website and on their letterhead ). Under every scenario, my modification would be approved. Ditech said " nope ''. I sent letters of error and for information to Ditech which were answered well after their mandated deadline and also sent to that incorrect address mentioned earlier. 

The letter provided a breakdown of the figures and calculations they used to deny the modification. The letter provided evidence that Ditech had not followed XXXX XXXX XXXX servicer XXXX guidelines as seen in step 2 which requires an interest rate being set at the lower of my fixed rate or XXXX XXXX XXXX. Also step 4 and 5 of the guidelines were not even discussed as Ditech simply stated I did not qualify. 

I have all the necessary inputs for the flex mod. I have worked in the real estate field all my life. I have reviewed and calculated dozens of potential scenarios. Ditech has lied to me, misrepresented their actions, scheduled a foreclosure date, refused to offer any other alternative to losing my home. Most importantly TODAY I was told once again that I would not be approved and I could send in a complete package for review but that the date of sale was firm. This one conversation summarizes my experience with Ditech. 

1 ) No package is necessary since I am more than 90 days in default under the XXXX program. 

2 ) Ditech was affirming a denial that did not include 3 of the 5 steps in XXXX XXXX XXXX servicer guidelines. 

3 ) The call ended with an overt Indication that I would be dual tracked even if I followed their fraudulent instructions.
I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the XXXX  and yahoo data breach. State issued ID have been compromised and my social security has been compromised. 
I have filed a report with the FTC in regards to this negative misleading fraudulent information that needs to be removed immediately off my credit report. 
I am not responsible for any charges made to this account. 
I would like to request copies of any documentation, such as application and transaction records, showing the activity on this fraudulent account that provide proof I opened this account beyond a doubt like drivers license, passport, social security card.
I started to take out loans XXXX and went to different schools and ended around XXXX. I have been trying to repay my loans the whole time. I found out I was battling XXXX   XXXX ( XXXX, XXXX and XXXX ) and it was hard to keep a full time career. Even though I have Higher education, it was these issues that kept me down. They first, did not tell me or inform me how to make proper decisons before taking out the loan. I also had XXXX XXXX and he kept using my social securtity number to take out loans. I kept telling them this and they refused to listen to me.Basically, because of all these i have been trying to get SS XXXX and became bankrupt during the process. I can not pay of any of it back and thus far have ruined my entire life.