WillisBack/dataset-financial-user-claim huggingface dataset:
There have been some fraulent charged/scheme involved, stolen cards and unauthorized transactions on my HSBC account. I already reported to the internet law enforcement and also made a police report number XXXX. However, HSBC still did not assist me further as according the Federal State Laws as " Consumer Credit Protection Act of 1968 '' and Fair Credit Billing Act ''. That HSBC did not follow the laws and failed to deliver/provide the promised under the card disclosures.

HSBC ignored my claims and even closed my credit card and debit card without notifying me neither put closed account in writing after very late as I requested. I was treated unfairly and HSBC is definitly showing misrepresntation, misleading me and caused my damages in many ways. Because they made me feel that my rights were not covered and claimed no where I could get my card under protections by federal/state laws. So they made me admited and forced me that I had to pay for all of my fraulent unauthorized transactions.
I have been disputed XXXX with Transunion for a while now. They sent me the results stating that it came back verified. I requested that they provide me with a copy of their method of verification, they have not been able to do so. I contacted the alleged company myself and they did not receive any investigation request from Transunion. So how were they able to verify this alleged account?
It is with great regret and frustration that I write to you requesting help.I must begin to tell you that I am a victim of serious health problems and predatory lending, I shall attempt to describe the circumstances which occur and were beyond my control. I was enticed into a loan by a company called XXXX. I signed a negative amortization loan. A couple years later I owed more than the house was worth. It was also and is today a 9.99 % loan. 
I was unable to sustained my monthly payment. I became extremely ill in XXXX with a XXXX condition. I had XXXX. This a XXXX. I was no longer able to XXXX at my XXXX office a full XXXX hours. 
Due to my XXXX condition, I was required to XXXX. In XXXX XXXX I had XXXX. I had physical limitations due to XXXX. 
My work load was reduced I began to default on my mortgage. I attempted to resolve my delinquency to no success I am recuperating and working now and I am asking for another chance. I am regaining stability. I want to keep my home. The bank does not want to hear or see that these were circumstances beyond my control. I am asking for another chance. 
Please review and advice.
I have had multiple issues with XXXX XXXX and Navient. My loans have been at 16 % +. I have had to make multiple calls to try to get my interest rate reduced. I have been treated very poorly by XXXX XXXX and Navient. The staff there have made comments such as " Its a hard reality to have a student loan '', " maybe you should n't have went to school '', " we will not lower your interest rates, we do n't have that authority ''. There have been multiple other comments made by the company as well. 
When I was going to school there was not clear communication as to what was happening with my loans. I just went to an office on campus and signed some documents and was told everything was fine. When I graduated my initial bill was XXXX a month, I was unable to afford that payment. I had to call and was treated poorly by the company. This also continued as I tried to manage living and eating. I became behind in my payments related to surviving, however, did make some payment every month, I was called relentlessly and made to feel like I was the only person on earth not making payments. Again, I was at least making an effort to pay my loans. I am still paying on my student loans, and desperately need a XXXX XXXX XXXX in which I can not afford as I am still paying on my XXXX XXXX. I can not afford a mortgage payment related to the amount of student loans that I am paying a month. It seems as if there is no end in sight with paying off these loans related to the interest rates, and XXXXNavient has been of no help with having interest rates lowered to be able to pay off these student loans. 
I feel that I have been ripped off by this company when it comes to my student loan rates, and that they have made it impossible to be able to pay off my loans. I can also not consolidate my loans as they are private loans.
someone else charged the account in full over 600 miles from my location and comenity dba XXXX refuses 12mos later to remove the spurious charges.
I might owe them {$10.00}, tops.
anything over 50 is covered by the consumer fraud statute and cardholder agreeement.
has asked for twice this amount and refuses to hand over the acct to a 3rd party. XXXX XXXX also does this. XXXX XXXX also does this. ( showing a trend ) can not place me at PoS becaus I was in XXXX charges were en-mass in XXXX and wo my permission. THEY WERE NOT AUTHORIZED.
I was given a XXXX XXXX XXXX card as a {$50.00} gift card, I never experienced this type of card before. And tucked it into my drawer for when I really needed it. 

The expiration date is XXXX and on the white background above the barcode states clearly {$2.00} activation fee. I went to use it and found out it had to be registered. After submitting all information including an SSN, setting up an account, the website did not allow access to the account information. 

I called and found out that the balance was eaten up due to dormancy fees. 
They said its clearly written on the packaging. I asked where. 
And was told to look at 4 boxes, they were black background with white and blue print. They read : monthly fee- none, atm withdrawal fee {$1.00}, transaction fee- XXXX, reload fee {$3.00}. None of which was Important since I was using as a gift card. I said it doesnt say anything about dormancy fees. 
XXXX the supervisor told me it was below the boxes. I said in font size 2? Yes. She said. It is printed on dark blue background in black ink and too small for me to read even with reading glasses. 

She said its not our fault you cant read it, its written there and the money is gone. 

I see from your website there is a difference between gift cards and Reloadable debit cards. I never used any such thing, I have my own credit cards. I believe these cards are just legal means to rob people by their use of fees. The time of inactivity should begin when you activate the card not when the person purchases it. They offered no solace, no restoration of my {$50.00} gift and said thats the way it is. 

They need to CLEARLY show there are dormancy fees on a white background with black ink that is in a font people can read. Arent there ADA requirements for information that is  detrimental to the individual? 

Banks are charging ludicrous fees every time you turn around and this card just highlights the abuse to people with no credit who need to use this type of vehicle. The bank sucks these poor peoples money through every legal fee in the book. For me it was the loss of a {$50.00} gift card. 

The bank needs to be accountable, make their policies clear and readable. What is not readable it is false or deceptive advertising.
Dear Sir/madam, I have disputed an item that is illegally reported on my credit file with Eperian, But it has been over 30 days since they received a dispute letter. I have n't heard any result of investigation.
I am a XXXX American Veteran ( XXXX ), and in XX/XX/XXXX the Department of Veteran Affairs ( VA ) erroneously input my Social Security Number ( SSN ) as " Deceased ''. The Dept. of VA corrected their files in XX/XX/XXXX and I went to my local Social Security Administration ( SSA ) office and had my Social Security Number ( SSN ) reaffirmed. All government agencies and credit reporting agencies have removed my SSN from being DECEASED, except for EQUIFAX reporting agency. I have submitted the SSA office reaffirmation letters, my drivers license, social security card and military ID card to Equifax TWICE ; but they still will not reinstate my SSN as active on their files.
In XX/XX/2007 i bought a new pickup and financed it XXXX XXXX. On the financing contract XXXX stated that if the contract was assigned to another lender then we XXXX the new lender and I had to sign the new financing agreement, because we could negotiate the new interest rate. One month after we signed contract, XXXX Bank bought XXXX XXXX but they did not comply with the assignment terms of the contract. XXXX was caught laundering XXXX XXXX dollars in drug money, Wells Fargo bought XXXX and Wells Fargo sued me even though XXXX or Wells Fargo did not have any contract with me they did not have standing to sue me in any court or any right to take my property the XX/XX/XXXX truck. The republican judges in Texas all the way to the Supreme Court of Texas just ignored my pleadings. I have a copy of the contract it can still be read even though it was shrunk down when Wells Fargo filed it in court. More damage that Wells Fargo continues to do is even though they never had any contract with me, they report to XXXX XXXX I owed XXXX about XXXX this on my credit report makes it almost impossible to restart my business.
My husband has XXXX and has been out of work since XXXX XXXX and the loss od our daughter in XXXX as well. We have falling behind in our mortgage for XXXX, XXXX, XXXX and now XXXX. We have call Nationstar to and applied for a loan modification and was denied in XXXX XXXX. We not sure if we are in foreclosure yet, but we need you help. Our complaint is this company Nationstar is rude and will not work with us, they are trying to push us into losing our home. We called hope hot line and spoke with XXXX XXXX at XXXX our client number is XXXX and our mortgage rep told him no they want XXXX payments. 
Nationstar rep is XXXX XXXX XXXX ext XXXX we do n't no what to do. We been in do n't want to loss our home. My husband is sicken and cant sleep. we tried to make a payment yesterday XXXX XXXX, XXXX and it was reused. Please help us.
I am very sick an living on XXXX.I tryed to explain this to the people on my credit report but i only get a very small amount to live on. I wish they would remove this items off my credit report.They just keep changing names. 

XXXX XXXX
Re : removal of national credit systems and XXXX XXXX Hello experian, I received an letter from your company stating I had to provide more information in order to help delete these accounts. Well I have additional proof as I have provided previously for XXXX and XXXX XXXX XXXX. I recently disputed these accounts via cfpb and included the response for XXXX in which they cant find an account with my name and date of birth and you still have this account as open when it showed be closed and also national credit has responded they closed the account and in which You sent me a letter saying you wont continue investigations until you have proof. I have included proof. I am requesting that you remove this account from my credit report, and send me an updated copy showing that this account had indeed been removed.. 

Thanks XXXX
I been having Issues with Equifax since XX/XX/XXXX I have fax numerous of faxes totaling 16 pages each time. Every time I contact Equifax someone telling me they did not received my fax or Equifax customer services rep will tell me they only receive 3 pages. Its nowXX/XX/XXXX. Issues have not been resolve. I been faxing paper work over to Equifax everyday day. Im a victim of identity fraud also I was effective by their Equifax breach. Equifax has numerous of credit inquiries on my correct report, a 2 collection and a bankruptcy 13 including inaccurate accounts that are fraudulent, which does not belong to me. I provided all the documentation Equifax need ( including a police report, a copy of my social and driver license, also all items which are fraudulent and need to be remove immediately. I have been dealing with this issue for three months now. This has effective me in some many ways.
This is the third action I have pursued regarding Equifax reporting of Hard inquiries. After XXXX complaints to them, they reported on XXXX XXXX 2016 that XXXX is reporting no inquiries, see attached, but NO corrective action was taken on their part to remove this bogus entry from my report. What 's more, they claim that they can report my credit status ( hard inquiry ) under virtually any conditions. " If you apply to have certain services, such as utilities ( gas, electricity, water, etc. ) phone service, XXXX, your application, whether verbal or in writing, generally allows the company to make credit inquiry ; and '' So if someone claiming to be me for some anonymous company requests my credit information they can get it!!! This is unacceptable, with today 's public records all you need is a name a birthdate to obtain all info including but not limited to my SS #. 

THERE MUST BE LAWS WHICH REQUIRE CONFIRMABLE CONSENT for such information. 

I have no idea who XXXX is nor do they have a record of an inquiry, however, my credit record is damaged and obviously, Equifax has no intention of correcting the records without written proof from me or XXXX saying remove the entry. 

This is an example of how difficult, no virtually impossible it is to have erroneous entries removed from a consumer credit record. As indicated in the attached document XXXX they accept no responsibility for correcting their error. 


I DEMAND THAT THIS AND OTHER ENTRIES WHICH I DO NOT ACKNOWLEDGE BE REMOVED FROM MY REPORT!!! 

What 's more, I will pursue congressional action to place strict access limitations on this information.
XX/XX/XXXX, I had overpaid my Home Depot credit card in the amount of {$190.00} and therefore, the card carried a debit balance in my favor for this amount. XX/XX/XXXX, I made XXXX purchases in the total amount of {$960.00}. Within the next 3 weeks, I returned some of those purchases. This led to a net purchase amount of {$280.00}. There was some confusion regarding how this pending overage payment would be applied to my account and balance. After repeated communication with Home Depot was able to resolve this and I made the balance payment of {$87.00}. Home Depot waived all the fees etc assessed while this issue was being resolved. This brought the balance of the account to zero. However, Home Depot still decided to report my account to credit bureaus.
For some odd reason Experian is keeping everything on my report for 10 years. I do have a bankruptcy and understand that has to stay, but other things that should fall off in XXXX ... everything is defaulting to 10 years.
XX/XX/2018, .XXXX. XXXX XXXX, ca. a amount of : {$370.00}, was taken out of the, XXXX XXXX Account, by a unauthorized persons, and the credit card company has not reimbursed the amount, or amounts to any of the previouse compliants, made, round or about XX/XX/2018-XX/XX/2018. The complaints were made to : ICE, internet crime complaints online, thru-XXXX County Sheriffs office.=, XXXX XXXX , @ processing payment services : XXXX XXXX XXXX XXXX Texas ,XXXX  . The complaint is the credit card company has not returned any if the amounts set on any of the complaints
Equifax, XXXX, and XXXX are reporting an allegedly negative account from XXXX XXXX. This account appears in error. This account need be deleted immediately. I have no balance outstanding or owed to XXXX XXXX. I have contacted XXXX XXXX directly and initiated a dispute with all XXXX Credit Reporting Agencies.
Hello : I have a school loan that has been deferred by XXXX XXXX. I was told that the school loan would reflect current on my credit report however is shows that it 's closed. I spoke to the Dept of Education and they told me to dispute with the reporting agencies ... .XXXX and XXXX . I would appreciate some assistance regarding who to contact and how to begin this process to correct the information on my credit report.
Offered {$800.00} but only needed {$600.00} was never told the high high APR % of 448.5174 %. I have paid 6 payments and stopped payments on last 2 payments that were to come out of my bank account. I called and asked why I wasnt told about the over 448.5174 % APR rate. I was hung up on. Then I've called back twice just to wait on hold no answer. People do need help sometimes when an emergeny happens like for me it was a hot water heater gave out and busted but being dishonest to a consumer When I was not told I would have to pay 448.5174 % back on {$600.00} in interest. The true APR rate wasnt shown until after the loan was processed. They should shut this XXXX XXXX XXXX/ XXXX  XXXX  /big picture loans down. This was a scam Loan Effective Date : XX/XX/XXXX Loan Maturity Date : XX/XX/XXXX APR : 448.5174 % My Account is now Delinquent due to the fact I refuse to get ripped off from some company that is lying to people upfront instead of being truthful about ridiculous Interest rates ( APR % )
i have increase my credit score by 30 points also have been waiting several months for 5 inquiry to go off my credit score that did go off in XXXX after this started to get emails from XXXX and letters in mail from them saying pre approve for loan so i taught was in good shape so i apply got pre approve so submitted rest my info then got denied so this added another inquiry on credit i never would have apply if they made me think i would get approve by sending me email and letter right after my hard work getti g score up and waiting for inquires to go off just to turn around get one put right back on and score drop down few points again.. I would like for them to take the inquiry back off. if you dont have them do it i caint cause they will just say i apply which is true but not untill they started sending me emails and letters after i work to get score up and inquiry off
this company is currently reporting several accounts on my credit report that are closed and deleted .I have requested that they be removed months ago and they are still being reported.
SPS, Select Portfolio Servicing , INC, a mortgage servicer, servicing loans in California is refusing to comply with HAMP modification guidelines. They have received a complete modification package on this file several times. They assure a response within 30 days. Thay have NEVER responded in writing as to a resolution to the file. They ask that we start all over because they did NOT review the file in a timely manner. I have submitted FOUR separate COMPLETE applications, and not once have they approved or denied in writing ....
I was let go from my job today XX/XX/XXXX and I reached out to AES and they stated there was nothing they can do to help me. 

Im struggling here because I already filed bankruptcy in XX/XX/XXXX due to having over $ 232k in student loans and I got upside down using credit cards to make loan payments. 

My student loans were not discharged or lowered and Im not in that same position. 

Its sad. I have tried to work with AES so much but, they are impossible. Multiple emails, live chats and calls and same thing - they can not do anything. My salary made it look like I could afford it but, with $ XXXX in student loans l, $ XXXX in cc, a car payment, rent and medical bills. Im hurting - bad. Now losing my job Im terrified. 

I did put a borrower defense claim in for my grad school loans with XXXX XXXX because of false advertising, misleading info and not transferring credits, etc. then I have mother private loan with XXXX XXXX but they are working with me nicely. 

XXXX : XXXX XX/XX/XXXX-XX/XX/XXXX and XXXX XXXX XX/XX/XXXX-XX/XX/XXXX Grad : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX-XX/XX/XXXX AES ID : XXXX XXXX XXXX ID : XXXX XXXX XXXX  ID : XXXX
I logged in today XXXX XXXX/XXXX/XXXX XXXX to make sure I was current and to schedule my next payment. It states my amount due is {$34.00} and not due until XXXX/XXXX/XXXX. I have two student loans : one due for $ and one for XXXX that totals {$34.00}. I called to ask Navient 's customer service why my payment was n't due until XXXX and I was told that I had over paid so I am not due until XXXX. But this {$34.00} is late fees. If I overpaid, why was n't it applied to late fees if i have them? If I am paying in advance how do I have late fees? And if those are my late fees what is actually due and when?
They call daily for my daughter. We have explained to them that she does not live with us nor does she have a working phone.
Equifax credit agency is reporting untruthful information on my credit report i have told them repeatedly that the birthday that is listed on my credit report is n't correct I have sent in my driver license and also my social security more than three time via mail in also email I sent all the mail certified also. I also had disputed some inquires that was listed on my credit report i told them that there where not mine in i dont even know have of the company that is listed they told me it was my job to call in ask the company to remove them i told them how can i ask them to remove something that i dont even acknowledge they then told me they the company is paying them to keep the inquires on the credit report in that why when we disputed the inquires we get a return result the next day. the inqures are   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX  / XXXX    XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX    XXXX
A background check contains incorrect information : I have never been in Illinois. The assertion that I have been in XXXX, Illinois suggests that my identity has been stolen.
I opened a non-targeted Citi Bank checking and saving account combo on XX/XX/2018 because they have an ongoing promotion of {$400.00} to new customers who deposit more than {$15000.00} in new money. I deposited {$1500.00} on XX/XX/2018 and {$15000.00} on XX/XX/2018. I maintained at least {$15000.00} throughout the time with Citibank in order to get the promotion. Citibank has tendency of deceit and bait and switch on these marketing tactics. I have chatted with the customer service representatives many times on the bonus, and all of them informed me that I would get the {$400.00} by XX/XX/2018. You can see the attached screenshot. However, when I contacted Citibank on XX/XX/2018, they said that I did not qualify for the promotion, despite the fact that this is still an ongoing promotion on their website : https : //banking.citi.com/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX