WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018 I submitted a request for a credit line increase online with my XXXX XXXX XXXX card through XXXX XXXX. When I requested there was an option that had a check box which allowed XXXX to access your credit report. Below that it had a statement which reads " Please note that we can still review and consider your request for credit limit increase without accessing your credit report. If you do not wish to grant permission for us to access your credit report, do not select the checkbox ''. In order to prevent a hard inquiry on my credit report I did not select the checkbox, however a hard inquiry was still made on my Experian credit report. I called in XXXX to XXXX XXXX  and was told by the customer service rep there that I would have to dispute through the credit bureau. Experian the credit bureau stated the only way it would come off is if it was a result of fraud, otherwise I would have to contact XXXX XXXX to have it removed. This morning I called again and spoke with a customer service representative who transferred me to XXXX ( ID XXXX ), She told me she was a supervisor and that although the option to not have your credit report accessed is there, it is still done anyway. She also informed me that the hard inquiry would stay on my report. I informed her at the time that this is misleading to the consumer and I would have understood a soft inquiry but would have never requested the increase if I knew it would negatively affect my score with an unwanted hard inquiry I have included copies of the actual statement that is on the website informing the consumer that they can still review and consider a request for the credit limit increase without accessing your credit report.
I have an issue with Capitol One. I have been attempting to gain online access to my credit card accounts for ( 3 ) years. I have 3 credit cards and I have never had on line access do to a glitch in their system. I have tried to resolve this issue for the past three years. They say their system will not let me in due to my hyphenated name ( I have been divorced for 24 years ). 
I can not access my cards on line, or by mobile application. I have begged the customer service team for help and resolution. I have spent almost XXXX hours on the phone with these people. 
I would like to file a clam. I do not have the same resources and rights as other consumers and my issues have never been resolved by the company. 

Pleas help me.
I opened a new business account with PNC Bank on XXXX XXXX, 2016 and then chose to enroll in their Merchant Services ( contract was signed XXXX XXXX, 2016 ). At the time of enrolling I was informed by their representative ( XXXX XXXX ) of the cost the fees to use the hardware for the term of my 4 year lease ( $ XXXX/month with ownership of device at the end of the term ) but was not informed about the potential for further monthly fees for using the associated software on the device. I was intending on replacing my current XXXX service with the XXXX station but was not informed that to make the XXXX function as my XXXX, I would need to purchase an additional software bundle that would cost me an additional {$29.00} a month for the lifetime of using the unit. Had I been fully informed about the potential for these additional fees I would not have signed the contract as it would not have been a sound business decision for me at the time.
On XX/XX/XXXX I was served with papers that XXXX XXXX XXXX XXXX was filing to collect XXXX dollars for a couple of medical bills that I had defaulted on. I was given 20 days to respond. I called XXXX XXXX XXXX XXXX  on XX/XX/XXXX and asked if they would settle on the XXXX and we could work it outside of the judgement. I was told they would " submit '' the request for a settlement but would not have an answer that day. I was told at that time that we would be able to work something outside of the judgement and if we came to an agreement, the judgement would not take place. On XX/XX/XXXX ( exactly 20 days later ) they heard back that the settlement was rejected and then called me on XX/XX/XXXX. 

At that time I had defaulted on my 20 days after saying they would work with me, but needed to get an answer on the settlement. At that point when they called me to let me know they did n't have the settlement offer, but still would be able to take a payment. I was left to believe that we still had come to an agreement without the judgement. I paid them {$1000.00} and told them I could work out some arrangements to payoff the rest, but could not do the full amount they had listed with other accounts. 

That same day the XXXX County ( Iowa ) Court ruled a judgement against me and put it into affect on XX/XX/XXXX. 

My complaint is that XXXX XXXX XXXX XXXX knew about the 20 days, they gave me a false understanding that the judgement would be removed if we came to an agreement. They then held their response until after the 20 days and now are saying I owe them more money due to court costs, interest, etc. They gave me a false sense of understanding that an agreement had been made to keep the judgement from moving forward. Because of this, I thought things were taken care of here in XX/XX/XXXX. 

I recently ran my credit report and saw two things from them. So I called in today and found out that I owe more than those two things on my report due to the judgement. They were not willing to work with me and I did not have any idea that anything was still going on with the judgement. 

The fact that they told me we could get an agreement and settle without a judgement, and the fact that they got a response on the settlement at the 20 day mark and then called me back on the 22nd day is very convenient for them. At this point it looks very suspect on their actions, how they choose to deal with it.
On X/XX/2018 XXXX XXXX XXXX added a collection account to my XXXX and XXXX credit reports in the amount of {$310.00}. It negatively affected my credit score decreasing it by 6 points. On the XXXX report the remarks are listed as unknown. On the XXXX  report the remarks are listed as medical. They claim the original debt was from XXXX XXXX, which I have never taken a payday loan ever. I am certain that XXXX XXXX XXXX have fraudulently reported a debt to my credit report and demand that I have these removed and have my credit score returned to its original score before this happened. I have tried numerous times to contact XXXX XXXX XXXX and have sat on hold on their phone line with no answer. This fraudulent attempt is damaging my credit score and need this resolved immediately.
I AM EXTREMELY DISTRAUGHT!!! I WENT TO YOUR BRANCH/STORE AT XXXX XXXX XXXX!!! I WAS TOLD BY THE YOUNG LADY IN CUSTOMER SERVICE, MY DEPOSITED CHECK FOR OVER USD {$4500.00} WOULD BE AVAILABLE TODAY. I THEN WENT INTO MY ACCOUNT, SAW THE MONEY AND DECIDED TO PAY MY BILLS!!! ONLY TO SEE THAT I AM OVERDRAWN FOR OVER USD {$1300.00} DOLLARS!!! THIS NOW ALLOWS TD BANK TO CHARGE ME FOR OVERDRAFT FEES!! I CALLED THE CUSTOMER SERVICE WHO YESTERDAY, WAS UNABLE TO VERIFY MY VOICE, THROUGH AND EQUALLY INCOMPETENT VOICE RECOGNITION SYSTEM RESULTING IN MY ACCOUNT BEING LOCKED OUT!!! WHAT IS HAPPENING!!! THIS IS A SCAM!!! TD BANK WILL NOW CHARGE ME USD {$35.00} PER TRANSACTION WHICH AMOUNTS TO 6 TRANSACTIONS, WHICH I CAN NOT REVERSE!!! FOR DOING THE RIGHT THING TD BANK WILL CHARGE ME USD {$210.00} IN OVERDRAFT FEES!!
I purchased a home at XXXX XXXX XXXX in XXXX, Florida, XXXX and the XXXX XXXX XXXX XXXX billed me for their {$60.00} annual dues before I could occupy the property. Their management company, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, Florida, XXXX promptly referred the {$60.00} debt to their XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, Fl XXXX, for collection and refused to even discuss the matter with me. The law firm filed suit for {$2500.00} to collect that {$60.00} debt.The XXXX XXXX even told my tenant of the property to pay his rent directly to them until the debt was paid, thus damaging my relationship with my renters. 
An attorney I randomly selected, XXXX XXXX, was kind enough to negotiate the amount owed down to {$1800.00} on a pro bono basis and I paid the XXXX firm off. I feel victimized by the apparent collusive effort between the XXXX XXXX XXXX and the XXXX XXXX XXXX in direct violation of the principles of the FDCPA. 
XXXX XXXX XXXX XXXX XXXX XXXX
To whom i t may  concern, I submitted a request to have hard inquires deleted of my credit report on-line in order to dispute information, in regards to  XXXX  hard inquiries, that was being reported on my credit report. The request that I submitted included  XXXX  Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA  623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be dis puted and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
I woke up to an email from Credit Care that an online payment was made for {$500.00}. Which i did not authorize and it will make EVERYTHING including my mortgage BOUNCE. I did not authorize the payment on XX/XX/2017 to CareCredit for {$500.00} XX/XX/2017 XXXX PAYMENT - Date Posted:XX/XX/2017 $ XXXX. 
I called the Security Center at Member Benefits at XXXX and spoke with XXXX. She was not concerned with the UNAUTHORIZED charge and I heard a female voice listening and laughing. I asked to have my account closed so that I may go to XXXX XXXX XXXX XXXX as they are professional and take SECURITY seriously. She said that she could NOT do anything to assist me. I am now writing to the Consumer Financial Protection Bureau, the XXXX and The Federal Reserve to report XXXX for not assisting with my SECURITY of my CHECKING ACCOUNT.
Tried close online says to send letter, send letter to close since didnt agree to new fee they added when changed account type on their own. Account still not closed month later while they try to accumulate fees for account type they changed to
Past 5 years done one have been trying to get things in my name want to get all inquiries deleted for in proper use. Below the following HARD INQUIRIES XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX
On XX/XX/XXXX I used XXXX XXXX XXXX in XXXX XXXX, California on XXXX XXXX XXXX to ship box parcels to XXXX.. The total charge was {$340.00} which I paid with my XXXX XXXX. The Tracking # on the Receipt is : XXXX. I have a copy of the receipt. On XX/XX/XXXX, I received e-mail from XXXX XXXX stating that I exceeded the limit that was set before. I called XXXX XXXX and fond that XXXX charged me {$1300.00} on XXXX XXXX for the same tracking # on the receipt of the shipment. I declined the payment, and XXXX XXXX XXXX removed the charges on the next statement after I contested the charges and explained to them that I did not sign for this amount of charges and supplied them with the original receipt from XXXX. Later, I received an Invoice # : XXXX from XXXX with invoice date XX/XX/XXXX for the same tracking # for the receipt that I signed on XX/XX/XXXX. The charges was {$1300.00} as a balance due. I called XXXX and explained to the operator on the phone that this is a fraud and it 's illegal to charge my credit card without my knowledge or consent. I explained to her that I would never have sent the shipment if I would have known that the charges is {$1300.00}. The employee was very rude and told that I have to make the payment to XXXX. I was terribly stressed and shaking so my husband took the phone and ask for a supervisor to talk to. A lady name XXXX spoke with my husband and after half an hour she agreed that I am right and she removed the charges. On XX/XX/XXXX, I received a letter from a collection company Named Transworld Systems Inc. with File # XXXX, Invoice # XXXX XXXX to collect adept on behalf of XXXX with amount of {$1500.00}. They added a collection fees charges of {$190.00} to the original {$1300.00}. On XX/XX/XXXX, I wrote a letter of all the above to XXXX and to Transworld Systems Inc. and asked to remove all the charges because it 's a fraud and illegal to charge me after the fact. On XX/XX/XXXX I received a letter from Transworld Systems INC with the Reference # XXXX XXXX stating that they are stiil reviewing the charges!. I really appreciate your help. I am a senior citizen and I got extremely stressed with every letter regarding this unfair charges. Thank you so much for offering this service.
I contracted with XXXX XXXX for {$1000.00} financing for a tile floor. The company took two days to lay the floor, and did not complete the contracted work, as well as damaging my walls. I complained to Synchrony Bank, who said that I can only make a complaint and stop payment to XXXX after I give them a chance to complete the job. After the job was partially completed and XXXX left, I complained to Syncrony Bank, who then told me that the company said that they completed the job and are paid. Syncrony Bank said that there is no way for them to receive my evidence of the noncompletion and the damages because XXXX is the customer and not me. They advised that I have to allow them to charge off the account if I do not intend to pay what they paid XXXX. I had to take a hit to my credit because of the collaboration between two dishonest companies, and am left with the cost of damages to my home. I made several complaints to XXXX, and they repeatedly postponed responses and coming to see the damage. I received no communications or bills from Synchrony Bank until I received a subpoena, and the lawyer presented my case as a nonpayment of a revolving credit card, and not the financing by XXXX. I have no revolving credit card from Syncrony Bank. Now, Synchrony Bank has subpoenaed me and wants to claim property.
I can not get my refund check from prestige financial out of XXXX XXXX XXXX Utah. Every time I call them I get a different story. The loan has been paid off and the check has cleared the bank.
On XX/XX/XXXX I forwarded a letter Certified Mail to XXXX XXXX XXXX advising that XXXX XXXX ( Debt Buyer ) reported a XXXX entry in the amount of {$8600.00} on my report as a RECENT Delinquency and placed for Collection on XXXX. 

I am aware of the ILLEGAL practice of False Credit Reporting otherwise called RE-AGING a debt to severely damage a consumers credit score. 

I have an older XXXX statement dated XX/XX/XXXX - showing this same account #, when it was XXXX XXXX - before XXXX purchased. Last payment made is showing XX/XX/XXXX. 

In a letter dated XX/XX/XXXX, results state info updated, verified as accurate and updated In addition, XXXX XXXX has illegally requested my credit report without my permission on XX/XX/XXXX, when they placed it into Collections XXXX XXXX XXXX on XX/XX/XXXX - sent a Collection letter regarding the XXXX account to MY MOTHERS address in FLORIDA!!!!!! How EMBARRASSING I have a copy of the letter. ( this was just prior to selling to Portfolio Recovery ) I am on the " OPT OUT '' list for Credit and Insurance. 

XXXX XXXX from their XXXX XXXX NY telephone numbers continues to robo dial me several times a day and a week. 

XXXX XXXX, XXXX XXXX also known as XXXX XXXX , XXXX continues to Robo dial me from the telephone number XXXX and also has illegally requested my credit report
I had XXXX medical bills from college, about XXXX that I did not know existed. They were given to a debt collector and after seeing them on my credit report I paid them in XXXX. Now, a company called Credit Control LLC is attempting to collect the debt again even though it was zeroed out on my credit report.
my mother passed away XXXX/XXXX/15 and left no assetts except for this house which i am on the title.. She had a main discover debt of XXXX which i have been attempting to pay.. I am on XXXX and can not afford to make payments anymore.. Discover has been calling XXXX and sometimes as much as 7 times a day..
I am filing a complaint because I received a call today from my XXXX brother that has the same name saying that he has been denied opening an account because there is information being provided to the institution with our name and my social security number XXXX They are explaining to him that since we have similar information our files are being linked. I have never conducted business with XXXX XXXX and the address reported with the account is a fraudulent address that was being used to obtain credit in my name. I have filed several police reports on this identity theft issue and chex systems has copies of all reports filed. This account shows it was reported last year when the fraud had occurred. This needs to be removed from my file immediately as it is not mine. My file should also not be mixed with my XXXX brother as our socials are completely different and we do not share the same address. as you can see on the report that was provided to my brother they input his information and they provided the institution with the fraudulent account with my social.
I am a customer associated with the Wells Fargo Bank. I recently became a member of XXXX XXXXs and after submitting my information I was going to receive currency from said app. However, it says that Wells Fargo is a supporter of the application but I have yet to receive anything due to my bank not accepting. I would like to receive the currency to continue being a member of both parties. 
Thank you.
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished XXXX XXXX, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are  required to comply. My name is XXXX XXXX XXXX. My current employer is XXXX XXXX, XXXX XXXX XXXX. I am a victim of ID theft, I was going over my credit report and discover that someone has been using my personal id to open up accounts for credit and business. The following addresses are not mine please delete remove them from my file : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXXI XXXX
Thank you, first, for the opportunity of submitting this complaint. I have received a letter dated XXXX XXXX, 2016 from US Bank ( a bank I have maintained an account with for over twenty years together with my spouse ) telling me that the bank has elected to close my account. This came as a shock to me and after contacting the bank, I was informed that the reason for the intended closure was because the bank can no longer accommodate customers who XXXX United States. I did not accept such justification but did not tell that to the bank. I am a United States citizen who maintained such accounts in a normal manner without conducting any transactions that violates any rules, terms and conditions, or laws. I do have the right to have an account at my home country, to which I will eventually return, especially knowing that the accounts I have with US Bank were there for over twenty years. There are no costs whatsoever on the part of the bank to maintain my accounts as all my statements are sent to me electronically ( online ). I do challenge the bank, professionally and with all due respect, to point out an instance where any of my accounts were used in violations of their terms and/or conditions. 
My desired resolution is to keep my accounts open with US Bank. 

Thank you again for this opportunity.
My husband and I moved into our home in XXXX XXXX. We received a loan for {$63000.00}. Today my WellsFargo Mortgage is at {$40000.00} with an interest rate of 4.75 % and has a maturity date of XXXX XXXX, XXXX. I pay {$590.00} per month. I was diagnosed with XXXX in XX/XX/XXXX and was not working often due to XXXX and the XXXX so I had to get my loan modified so that I would not lose my house, but I thought my overdue balance was being added to the end of my loan and my interest rate was being lowered but it seems like I 'm being robbed. It seems like the amount I pay back will be a tremendous amount over what I should be paying back on this {$63000.00} loan. I feel like WellsFargo is robbing me could you please help me out and tell me if this right.
I asked XXXX XXXX multiple times to stop calling me as the debt it time bared and I am disabled and receiving Social Security benefits. I told the person I have {$100.00} after my bills were paid for the rest of the month and they transferred me to someone who could accept a payment. The second person I spoke with said that my number would be removed from the system and I wouldnt receive anymore calls to which I responded that should have been done the first four or five times I had requested it and that was never done.
I opened a XXXX store credit card in 2010. I actively used my card to make purchases, was a loyal customer, never had any late or missed payments on the account, the creditor was never included in any bankruptcy filing, never received any communication from any court or attorney in regard to any bankruptcy, and has no first-hand information whatsoever regarding any such filing. Yet, this creditor has coded my account for bankruptcy and is communicating this status to the credit bureaus. When I disputed the matter with Equifax, they performed a cursory, automated verification and told me that the item has been reported correctly. When I wrote to XXXX XXXX ( XXXX ), they told me that the credit bureau notified them of a bankruptcy filing, so they updated the account, and would not change it. I do n't find this explanation satisfactory. They should not be able to send the same information back and forth between Equifax and XXXX, both citing the other as the source of the information, and claiming the information from the other party validates the information. It 's a circular argument. I 'm asking that the creditor remove the comments pertaining to bankruptcy on my account, or delete the account altogether due to their failure to respond to my dispute with any information to back up their claim. Thank you for your assistance. I 've attached some of my correspondence pertaining to this matter.
I have a few credit cards with a XXXX XXXX and have fallen behind on payments, Im now enrolled in a debt management plan, but in the meantime they call me 10 times a day minimum, they also contact my parents home phone and brothers cellphone and leave voicemails regarding my debt!