WillisBack/dataset-financial-user-claim huggingface dataset:
I will continue to submit complaints over and over and over and over and over and over and over until EQUIFAX puts my account in CLOSED status. I went to state court to have a bankruptcy processed and it was approved by the XXXX State Court.  EQUIFAX is refusing to correct the account to show that instead they're leaving it in OPEN status and putting a note that says " included in bankruptcy ''. This bankruptcy will already be on my credit for 7 years, I'm not asking for anything illegal or more than what I paid for, its not any harder to place this account that's actually closed into CLOSED status than it is to leave it. But what does leaving it do? : It shows a negative account on MY credit ( but what about the other accounts that everyone else put in closed status? do they just disappear? No they are CLOSED but are still on my credit ) ( wow! what a concept? I wish that everyone could see how clicking a mouse to put an account in the correct status, would allow the person who went through the entire embarrassing and expensive process of bankruptcy to have some sort of relief when they check their credit they're now rebuilding and see that everything is back to square one, not ONE company  trying to be difficult for the sake of holding their ground, they're just lowering my score I'm working hard to raise, you know.. THE ENTIRE REASON I SCRIMPED AND SAVED {$1500.00} TO FILE BANKRUPTCY!! I didn't file just to have ONE company refuse to do what the court agreed to. Do the right thing and put the account in CLOSED, this doesn't delete the account, I don't know if you know that..but its still going to be on my credit and showing as " included in bankruptcy ''. Did you know that Equifax? Did you know it will still be there? It just wont be showing as a negative account. THAT'S WHAT I PAID FOR. Why are you fighting me on ONE account? I'm not asking you to go in and change a bunch of stuff. Its ONE click that should've been done 2 years ago!!!!!!!!!!!!!! YOU literally were supposed to change this years ago but now im writing this ridiulous comment for you to ignore so I can copy and paste it again in a month and send it right back. Please just correct the account status that was included in my bankruptcy and is now CLOSED.
Upon reading Citi Bank 's response letter sent to me yesterday I collected from it very little acknowledgement and still no understanding of the series of concerns and questions I have been reporting to them. Nothing at all was mentioned regarding the following, the fraud that took place at the same time as my credit increase request. Not even an explanation as to why I received numerous letters from Citi Bank to contact them regarding my credit increase, then when I contacted the phone number referenced on their letter no one at all helped or directed me to the correct direction. Furthermore, the many supervisors I spoke to who said they reviewed my concern regarding the discrepancy of my credit limit increase assuring me that it will be fixed and granted and noted on my account for the credit analysts. Moreover, calling customer service numerous times ( more than 15 times ) and not a single representative was able to accurately assist and resolve my concern. Finally, a reason and correction as to why did the customer representatives upon calling continuously requested a credit increase which lead to credit inquiries on my credit file was done to begin with and most importantly without my authorization or consent. To summarize I strongly feel that my report to Citi Bank to this date has been reviewed poorly and not in any way considered fairly and in goodwill. I am still expecting a more thorough review and a reasonable response with either it has been corrected or even not and a detailed response as to why it can not be corrected. I was told by XXXX at Citi Bank whom I have spoken to two times for a very short period that she was going to review the recorded calls. I still want to know in addition to my other questions above that if she reviewed the calls them why her response to me in no way solved any of my concerns? I can assure you that if in fact the calls were reviewed she or whomever will hear all that took place and how I was treated and misguided.
On XX/XX/2017 I sold my lite coins shares on the Coinbase consumer site. I attempted to withdraw XXXX From my Coinbase account. I have not received the amount withdrawn. Coinbase customer service has claimed they escalated the claim and passed it to specialists. I have yet to hear back from any representatives of coinbase and still have not received the money. After numerous attempts I am unsuccessful.
XXXX -- - tried to use XXXX to access my credit reports. Both Transunion and XXXX could not complete the process on their websites. I have screencaps proving it. XXXX XXXX website prevented me from returning to XXXX XXXX interface and continuing my annual retrieval process. Going to XXXX, they forced me to allow them to send me unsolicited offers to get my free credit report and to allow their subsidiary XXXX XXXX to access my reports whenever ( in order to solicit ). I could not opt out on their website immediately, instead I have to contact them afterward ( I can not see what that contact process is like beforehand because it requires me to have an account to see how hard it will be to remove their unfettered access to my records. )
I have concerns about Identity theft So I wish the credit card company to stop all charges on card and reissue a new card or close the account. I wrote them using address for remittance of bill. I get a call from a supposedly Citi rep ( id on a cell phone ) id XXXX requesting personal information. She noted I had to use a cellphone and call XXXX ( number on my bill ). I called that number.the rep ( ( XXXX ) stated I can only call from a cell phone and type in a my personal info ( ssn, address, etc ). I explained I live in an area that does not have cell phone. She noted there was nothing she could do and I requested to speak with a Citi rep she refused or to provide an alternative number to call. Thus, I have no way to close the account without a cell phone. The requirement of a cell phone should not be a condition of having a charge card unless they clearly publish it. The call was automatically transferred to a third party call center service. Customers should be able to access to employees of the credit card company should the third party be unable to resolve the problem.
I have a car loan with West Financial and I have been asking that money paid over the loan amount be paid on the principle. For months they have been telling me ok, but I noticed the next month 's payment was lower. I did not take the bait but the online service would say I owed the full XXXX payment but the statement says I owe XXXX ( i.e. ). However I was told a couple of days ago that they do not apply extra payment amounts to the principle. Is this legal. I live in XXXX and the finance company is in XXXX- WestlakeFinancial. 
The interest rate is almost 25 %.
I requested money on paypal from my aunt for {$1100.00} to repay me for purchasing a hotel for a trip. In the money request it did not ask that I designate it as a friend to friend transfer ( no fees ) or a business transfer ( fees ). My aunt said there was no option to designate as a friend to friend transfer or a business transfer so she just clicked pay. I was charged {$33.00} for the money transfer. I asked paypal to refund the fee because we didn't see options to not pay the fee on the request end or the payment end and they refused.
I received a letter in the mail from Discover Personal Loans offering me a personal loan. I looked over the offers and chose a {$25000.00} loan at 6.99 % for 84 months with a monthly payment of {$390.00}. AFTER Discover wasted my time with a bunch of questions and checking my ( excellent ) credit, they came back and, casually, offered me this loan for 18.99 % with a monthly payment of $ XXXX.This is after I told them I wanted to pay down a credit card that had an interest rate of 14 %. Why would Discover think that I would be stupid enough to accept a loan for 5 % more than I am currently paying? I declined to accept that offer. This sure has the smell of a classic bait & switch!
Security credit services has verified a debt unlawfully and they have listed the debt on my credit report. I have emailed the company, and spoke with XXXX one of the supervisors and left many messages with their compliance department to furnish the required documents proving the debt is mine, and they continuously can not and will not give me the copy of any original contract with my signature showing the debt is legitimate, nor have they furnished me any charges that were made and for what, and any payments made to this account showing from the original creditor proving the amount is even correct. They refuse to follow the sate statutes and guidelines, AND companies that illegally run debt practices like Security Credit Services should be regulated and fined appropriately. I dispute this debt with this company and their unlawful actions validating the debt without the mandatory verification procedures. Please move forward with your investigation as i am also contacting a law firm to make a civil lawsuit against Security Credit Services.
To whom it may concern, I have been a member of Paypal for years without any interruptions or obstruction towards my account. Well, recently opened up a business account on Paypal that specialized in web services. To which, very recently, Paypal had limited my account and asked that I provide documents to prove my identity and such. I followed their instruction to the letter, and yet they decided to close my account. The worst part is that they are trying to withhold my funds from me within the account ( funds that would put me back financially ). I have asked politely asked them to release the funds to me, and I will take my business elsewhere, but they have not responded to said matter. They completely circumnavigated my letter. Again, it is alright that I am to part ways to Paypal, but I disagree with their notion of trying to push me around by holding my funds and ignoring my letters. I simply wish for my funds to be released. Thank you for your time.
Company is deducting a commission from the payments I have made equaling 25 % of my payment.
My loan went into default, I received a letter from XXXX XXXX XXXX in XX/XX/XXXX I believe. I was n't sure why they had my loan, so I called and they explained they had my loan. I then asked if they would send out another letter. I received the letter XX/XX/XXXX. 
I then called to make arrangements. The women on the phone hung up on me when stated I needed to go to XXXX and get a card so that she can take the money from ( because my bank accounts are being garnished ) and I will call her back. I felt this was very rude and was n't sure if this was a legitimate company. In XXXX I sent Navient through fax my financial information and a letter stating I wanted to make arrangements. I heard no word. I then received a letter from Pioneer. I called them and mention I do n't know what is going on because I have letters from XXXX different companies. I called pioneer again today at first I did n't want to submit the information they were asking but I realized I called them and not them call me asking for disclosure. I then spoke with XXXX XXXX who transferred me to XXXX XXXX. When we got to the part about my phone number I stated I was not taking my phone number off the do not call list because I will sue if the call my phone to much. I also stated they could contact me through email or mail. She stated she could not make arrangements with me if I did not release my phone number. I am writing to you because I believe it is my right to have a payment arrangement without enduring the harassing phone calls. they are blocking me from paying my bill. Please assist me if you are able. 

Thank You XXXX XXXX
I asked for a moratoriam of payment for three months in the payment after a huracane and they accepted, went to pay and they did not accept the payment. They offered to try for a modification. After several months providing information they denied without much explanation. Now they want to foreclose.
I checked my credit report and there are multiple issues with inquiries that are negatively impacting my credit. I don't recognize inquiries from : - XXXX/XXXX, XX/XX/2018 - XXXX XXXX, XX/XX/2018 - XXXX, XX/XX/2018. 

In XXXX applied for a mortgage with XXXX XXXX, but I have over 5 inquiries from companies that I don't recognise : - XXXX, XX/XX/XXXX and XX/XX/2018 - XXXX, XX/XX/2018 - XXXX XXXX, XX/XX/2018 - XXXX XXXX, XX/XX/2018 I do not know where these inquiries but they have really damaged my credit.
I have a Tax Lien on my Equifax credit report maintain under my social security reported by the XXXX Recorder 's Office. I have contacted the Recorder 's office and I do n't have a Judgment legal item. The Recorder 's office stated to me that they do n't provide information to credit reporting agencies, nor do they ever validate a public record due to privacy laws. On XX/XX/XXXX I received a letter from the Recorder 's office advising me to contact Equifax indicate on my letter to clear out my Federal Tax Lien. On XX/XX/XXXX,XX/XX/XXXX I sent Equifax certified letters asking them how did they validate and verified this public entry record with the XXXX Recorder 's Office and to please permanently delete this Public Record immediately along with a copy of the letter from the Recorder 's office. In my letter I stated according to the Federal Credit Reporting Act ; Section 6099 ( a ) ( 1 ) ( a ) you are required by Federal Law to verify through physical verification of the original signed consumer contract-any and all accounts /public records you post on a credit report otherwise, anyone paying for your reporting services could fax, mail, email in a fraudulent account. I received a copy of my credit report Equifax on XX/XX/XXXX stating the tax lien information has been verified. I sent another letter on XX/XX/XXXX to Equifax asking them to provide the name, address, and telephone numbers to each person contacted at the XXXX Recorder 's Office and I formally requested a copy of any documents provided by the Recorder 's Office bearing my signature. An employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. On XX/XX/XXXX I sent Equifax another letter certified along with a copy of the recorded lien withdrawal certificate from the XXXX. I have reviewed my Equifax credit reports from XX/XX/XXXX,XX/XX/XXXX and Equifax still reporting the TAX LIEN I requesting this information be permanently deleted from my credit report.
I 've been trying to resolve the multiple negative student loan accounts on my credit report. The Credit Bureau 's ( XXXX Experian, XXXX ) are neglecting to verify the accounts properly to determine which ones are duplicates or original. Due to poor lack of investigation and communication I 'm requesting that all of the accounts to be removed. All of the loans in question were recently consolidated but the negative accounts that have been reported are hurting my scores. A list is listed below. XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXXt date opened XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX
This company never tried to contact me in regards to this debt, Placed on my credit report without giving notice. Debt is more than 7 years old please remove now. Going against. 

Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act This account was opened in XXXX and the last payment was in XX/XX/XXXX.
Phone # XXXX called my aunt in XXXX right after XXXX and said i have a bounce check and they need to serve papers to me .Afterwards, I then received call on my work phone from both XXXX and XXXX saying they want to serve papers for case XXXX. Both XXXX and XXXX said they were calling from XXXX and XXXX law firm. ( i have the recorded calls ). calls went to voicemail. called them back and they wanted to verify my personal information and i advised them they will have to sent me information via paper bc im not providing my personal info. when i talked to XXXX he said no we can not send a paper confirmation of debt. And XXXX proceeded to tell me once a payment arrangement is set then he can send an email a confirmation. During any of these conversations, they did not say they were a collection agency, only from law firm. i asked for the company they are representing and they said advanced america and said it was {$410.00} owed for a payday loan from XXXX advised i will talk with them directly to resolve and XXXX said its too late for that. XXXX also stated were going to take t to court and charge u court fees and take everything you have. then XXXX hung up the phone. called back and got voicemail for XXXX XXXX
Citi closed down all the credit card accounts on XX/XX/XXXX. Four different accounts were closed at the same time. 3 of those accounts do not have an annual fee associated with the credit card. One of those accounts is a Citi Prestige Credit Card, which has an annual fee of {$450.00}. 

I had paid that annual fee as of XX/XX/XXXX. Here is the transaction record that shows up on my statement : XXXX XXXX, XXXX MEMBERSHIP FEE XX/XX/XXXX-XX/XX/XXXX Additional Details Transaction Type : Fees Posted Date : XXXX XXXX, XXXX Category : Miscellaneous Reference Number : XXXX Print {$450.00} The credit card account was closed XX/XX/XXXX. As a result, my {$450.00} annual fee was forfeited and I did not receive any of the benefits associated with the annual fee. Citi has not addressed or returned any portion of the fee. The annual fee is part of their service to the customer for benefits which no longer enjoy. 

Other corporations, like XXXX, return the annual fee since that means I lost out on the benefits throughout the year. For example. If I paid for an annual fee throughout the year for XXXX XXXX, and XXXX chooses not to have me as a customer, XXXX would reimburse me the annual fee that I paid, since they are closing my account. 

Citi is responsible for treating its customer fairly and ethically. As a result, I expect the fee ( or a prorated part of the fee ) to be reimbursed to me. 

Thank you.
XX/XX/XXXX XXXX XXXX I did go here to look at a car but backed out of car deal and still they ran my name to many times XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I never in my life asked for a credit card thru XXXX NEVER XXXX XX/XX/XXXX refuses to take any action!! Once Again didnt know they was running my name 10 times XXXX XXXX XX/XX/XXXX didnt ask for this to be ran either 2 XXXX  XXXX credit cards XXXX XX/XX/XXXX I did not file for a card they XXXX XXXX ever!!!! 
XXXX XXXX XXXX XX/XX/XXXX did not ask for this to be ran either!!! 
XXXX XXXX XX/XX/XXXX didnt take action even tho I didnt apply for this at all! Never applied for this company says nothing can be done!!! 
XXXX XX/XX/XXXX refused to remove even tho I did apply for this card either!!! 
Santander XX/XX/XXXX twice didnt ask at all to be ran either all these are on my XXXX and some on my XXXX please help me with these! I worked hard to get my credit up and then I see all this and been trying for months to get help with removing all this off of my credit
I am receiving constant calls from Chase Receivables regarding a medical debt I never received a invoice from the original provider. I spoke with the the collection agency several months ago and requested documentation on the charges. I provided a supervisor my name and address and told them I would research and call them back. I never received anything from Chase Receivables. Chase has continued to call my home phone number XXXX to XXXX times a week.
On XXXX XXXX, 2017, at around XXXX XXXX, I tried to cash a check at the Chase Branch located at XXXX XXXX XXXX. XXXX, CA XXXX. My attorney and I presented a check for deposit to a Teller named XXXX XXXX I explained to XXXX we needed to deposit two checks made out to The Law Offices of XXXX XXXX XXXX and XXXX XXXX XXXX to my checking account. One check was for the amount of {$2300.00} and {$1900.00}. My attorney and I both endorsed the checks in front of XXXX the teller. XXXX refused to deposit the checks because they were made out to me and my attorney. I explained to XXXX I had called Chase 's Deposit Review Department to get the specific instructions of how to deposit my checks. I asked  XXXX to call and verify with the Deposit Review Department for instructions on how to deposit my checks. XXXX refused and went in the back to ask the Banks Manager. XXXX returned and said his manager instructed him he could not deposit the checks. I asked if I could speak to the Bank Manager, so I could explain I had already spoken to The Deposit Review Department before I came to the Bank. XXXX refused to get the manager and rudely told me to get out of the Bank. The Manager had a responsibility to resolve my deposit issue with XXXX. The Manager should make every attempt to resolve any and all banking matters before turning away a customer. Further, XXXX lacks professionalism in his dress as a XXXX. XXXX was dressed in a XXXX XXXX XXXX jacket. A job as a teller is a professional job and should dress accordingly. Tellers need to project professionalism for Chase Bank and their customers.
i had a comnercial mortgage on my business i never missed a payment. the leander named hopkins financial has tried to say i missed 3 payments. there accounting practices are messed up i have proof of that. i never got a lettet saying that i had 30 to  bring it current. i gave them bank statements cancelled checks their receipt saying they recueved the payment and their atterony did n't care. they foreclosed on me i lost my property but they have done a wrongful forecloser and i am going to file a law suite against them like they have never seen.
Equifax is currently allowing the collection agency XXXX XXXX to report a collection account on my credit file as an open revolving account with a Late status. Its not listed in collections its listed under other accounts. This is a collection agency that has no right to report a debt as an open revolving account. I disputed with XXXX XXXX and they state to me that i must take the dispute up with the CRA reporting the account. This is incorrect reporting and should not be allowed by a collection agencies - its unlawul practices also They are reporting this alleged collection account with a past due balance It is reporting that I pay as agreed from XX/XX/XXXX-XX/XX/XXXX Marked it as a collection account XX/XX/XXXX then continued to report paid as agreed I never acknowledged this account nor have I given them a dime- this company has unlawful practices and EQUIFAX is reporting this account inaccurately.
I had a personal, unsecured loan with Wells Fargo, which I paid in full well over a month ago. I have yet to receive any sort of confirmation the loan is paid, or a charge-off statement. The loan is still being reported to my credit. When I attempt to contact Wells Fargo, they advise me they have no record of me or my loan anywhere when searching by my social security number. They have intentionally lied to me about which department to speak with, about there being a supervisor in the relevant departments, and about the process of obtaining proof of payment in full. I have also been hung up on anytime that a person is unable to answer the most simple of questions, or when I ask for a person who can resolve this issue directly.