WillisBack/dataset-financial-user-claim huggingface dataset:
I was at HSBC branch on XXXX & XXXX in XXXX today around XXXX. Before I got on this long line at downstairs foreign exchange office, I showed one of the tellers that I have old Pound Sterling currencies which I would like to exchange back to USD. The teller nodded " ok, just go to the end of the line ''. I got at this very long line, waited nearly 30 minutes, however, when I got to front of the line, teller XXXX told me " these money are old, we can not accept '' ; she further told me that these money are good to use only in XXXX, but foreign exchange office in HSBC bank no longer accepts them. Well, I felt so mistreated!!! Why ca n't her colleague, ( the teller I showed these old money to ) notify me before I got on this very long line to wait??? 

I spoke to HSBC assistant manager XXXX, who seemed have no clue with foreign exchange policy, she kept me wait for another 10 minutes, claimed " she needs to check with the tellers '', she had no idea what types of currency notes HSBC can or can not accept, I showed her again these old XXXX pound money, she was so unsure and did n't even know what guideline as what could be accepted. I requested since the teller MISINFORMED ME that it was ok for me to wait on line to exchange and I took her WRONG advice to wait online. HSBC should at least respect customer 's time and honor this one time exchange!!! However, both XXXX and XXXX had ABSOLUTELY NO CONCERN OR RESPECT to customer 's time, they both refused to honor my one time request to change my XXXX pounds to US dollars. 

I totally wasted 40 minutes of my lunch hour with DISRESPECTFUL HSBC customer service reps and get no results!!! I had been a customer with HSBC for long time, I totally do not deserve this treatment.
I sent a letter to the credit bureau with my disputes on it. I INCLUDED ALL THE IDENTIFICATION THEY ASKED FOR. They sent me a letter saying my identification information is wrong. 
I will attach exactly what I sent.
Reported to XXXX, XXXX and Experian that the balance has been paid in full still reporting that I owe the amount.
XXXX 2017 I surrendered my vehicle to XXXX after they refused to provide and disclose account details in writing. I specifically requested a history of how my payments were applied to the loan. desiring a breakdown of interests, principal fees or charges. 
I was not receiving billing statements and was blocked from online access due to my payment being late. the phone recording stated my balance was higher than the original loan purchase after paying for 2 years? questioning how this may have occurred, I submitted multiple requests for records nothing was ever provided. the only info I have to go one is what is being reported to the credit bureaus as an outstanding balance. if the vehicle was sold I was never notified as required by law. there is no proof of when, how or what proceeds they obtained from the alleged sale or how any deficiency balance was calculated. my credit report is being illegally re-dated as if this incident just occurred, the balance has decreased and increased back and forth monthly. I have been supplied with no proof of anything to date. my disputes with the credit bureaus results in the account either being verified or updated to show that I recently missed a payment which is all false. I receive both auto dialed and recorded messages constantly harassing me on my cell phone and at work. XXXX has been very deceitful in their business practices an violates bot federal and state laws.I have seen that other consumers are experiencing same issues with XXXX. I may need to take legal action to resolve.
I am a XXXX in XXXX XXXX. A client came in discussing harassing behavior by a debt collector. I generally make contact and then send a cease and desist letter on the client 's behalf. This person answered the phone improperly - " Law Office '' then he lied to me about the debt, would not provide a fax number, and then called my office back to harass me. Threatening me and my client. ( By the way, he claims to have been collecting on an HSBC debt. ) He reported the following information : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Phone # : XXXX Fax # : XXXX
Reporting a account they can not verify. I found a Charge offs on my Credit report form Capital One. I disputed it with the CRA it came back verified. I tcalled Capital One about this and spoke to XXXX XXXX, informed me that Capital One has the wrong information on this account and it is reporting under my name. How did they investigate this account with out any documentation about me? I contacted them and their rep told me about and they could not validate the debt due to the account not having the right information on file. This is a violation of the FCRA and the trade line needs to be removed ASAP.
XXXX XXXX has been closed by the government. My loan should be dismissed and I have requested the paperwork many time from Navient ( the lender who bought out XXXX XXXX ) and I never receive the paperwork from them. They have told me that the department that handles that won't take their calls. I read today that the last day to file the paperwork for this is on XX/XX/XXXX. I need help and I need it fast. 

They lied to me and told me that they had a career services department. I went to the dean during my second semester and asked to be enrolled in the program and he started looking on XXXX for jobs. He said that was the career services department. There are a lot of other things they lied to me about. They also forced me to get several private loans, and also switched loan companies from Navient to XXXX and didn't tell me.
See prior CFPB Complaint Case number : XXXX Wells Fargo failed to process multiple requests for an extension to close a short sale until 9 days before the closing date. Wells Fargo has indicated that the extension request was denied but has not provided a detailed explanation. This buyer has been waiting for over 2 years for this short sale to be approved. It has been mishandled by Wells Fargo and delayed for no justifiable reason. I have attached the emails showing that the extension request was not processed until XXXX despite the requests sent throughout XXXX. Wells Fargo is denying they received the requests, but I have attached the emails showing I had requested the extension in XXXX. Now, we have to start over with the short sale because of their failure to request an extension from the investor in a timely manner.
Wells Fargo in XXXX MN. XXXX XXXX XXXX ) over road my signature on a refund escrow check and decided to give my ex-husband half. Which he was not entitled to by our divorce decree. Wells Fargo in XXXX XXXX then excepted the other half as a deposit and entered my account without my knowledge. XXXX XXXX is a very good friend of my ex-husband and ex-brother in-law. Either XXXX XXXX did not give the full story to her boss or she was not given the full story. They did have a way to contact me and were trying to get away with theft and forgery.
On XX/XX/XXXX we made a payment of {$730.00} to BMO Harris Bank, as we always do on or around the XXXX of each month, but a few days later we noticed that the payment had come out of our account twice. One on XX/XX/XXXX. and one XX/XX/XXXX We did not authorize a double payment. We contacted our bank, XXXX XXXX, and they told us there was nothing they could do for us and suggested that we contact our mortgage company, ( BMO Harris Bank ). We contacted BMO Harris Bank, at XXXX and talked to a woman named XXXX on XX/XX/XXXX and explained the problem and told her we needed the money back to pay other bills and that the lack of money in our account was making other payments bounce, incurring charges from our bank for two over drafts. They told us they would mail us a check right away. They didnt. We called over the next month or so talking to other customer service people, one named XXXX near the end of XX/XX/XXXX. and there was always an excuse for why they hadnt sent the check. Finally one of the customer service people told us that they would just apply the money as our next months payment. They told us not to make the payment for XX/XX/XXXX. so we thought the matter was resolved. Then we got a payment delinquent notice for not paying the XX/XX/XXXX. payment. We called and ask for a manager, that manager was XXXX XXXX and explained everything to him. He assured us that he could see on our account that every thing had been taken care of, and not to worry. He gave us his number XXXX and encouraged us to call if anything went wrong. The following month we got another delinquent payment notice and the manager we had talked to, XXXX, will not answer his phone or return our messages left on his voicemail. They took our money and wont give it back or apply it as a payment. They are just keeping it.
HSBC XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX This is regarding my HSBC credit card account. When I checked my account on HSBCs website, I found online that my two electronic payments of {$100.00} each were returned and a {$25.00} fee charged to my account. My credit union account had plenty of funds to cover the payment. When I contacted my credit union, they confirmed the funds were there and that no payment had been presented to them on XX/XX/XXXX at XXXX XXXX. 

On XX/XX/XXXX in the evening, when I contacted HSBC via  their chat service, they could not help me and advised that I call customer service. My account was on a security hold and they could not tell me why. I explained that I saw no fraudulent charges to the account and confirmed my identity. 

On XX/XX/XXXX at XXXX XXXX, I called customer service at XXXX. Customer Service could not help me and transferred me to HSBCs security division. I was on hold for security for one hour and sixteen minutes. The security advisor, XXXX, could not help me and transferred me to her boss XXXX. XXXX was not at his desk so she advised that he would call me. At XXXX, he returned my call but I was not at my desk so he left a message with a reference number. When I returned his call, I held for over twenty minutes and could not get through. I tried contacting HSBC several times using their chat feature and presenting my reference number but no one could help me. To date, no one from HSBC has contacted me further regarding this matter.
I just need  3 mo re days in order to pay in full. I have a sells closing date of  XXXX / XXXX /  XXXX   and  Wells Fargo i s trying to auction my home today.     My daughter 's boyfriend/fiance has financed my home ...      Wells Fargo w ill be paid in full ... every single penny owed ...     I spoke with     XXXX   XXXX     at  Wells Fargo  and I faxed her all the documents she said she asked ...     I also did everything that their attorneys at      XXXX   XXXX   XXXX      asked ... I spoke to  XXXX  ...     My mother had a reverse mortgage and I could n't get approved ... I tried, but I do n't make enough ...     I just need until  XXXX / XXXX /  XXXX   to close and they will be paid in full that same day ...     Please I 'm not working and I 'm too young for retirement ...
XXXX XXXX XXXX XXXX is attempting to collect a total balance of {$300.00}, as of XX/XX/XXXX from my XXXX credit card account. I had previously reported my XXXX card lost/stolen to XXXXXXXX XXXX and requested the card be closed. XXXXXXXX XXXX failed to close the account and the card was used fraudulently. I contacted XXXX again and disputed the charges. XXXX closed the account at that time, but left the charges owing. The account was then purchased by XXXX XXXX XXXX XXXX. I called XXXXXXXX XXXX  to get this resolved, but they were not able to do anything. I advised XXXX XXXX XXXX XXXX and filed two disputes forms with them to get this resolved. Unfortunately, they have failed to resolve this matter. I do not know the exact date the XXXX card was lost/stolen or the date I first reported it to XXXXXXXX XXXX. The last time I made a purchase on the card was in XXXX.
I had a loan taken out to help with school from Citibank. The loan went into charge off status XX/XX/XXXX. XX/XX/XXXX Citibank reported to the Credit Bureaus that I made a payment. Then XX/XX/XXXX, they reported that I missed a payment. I have not made a payment to Citibank since the account has been in charge off status XX/XX/XXXX. I tried to contact them but they do n't have a contact number, just a fax number. I faxed them and ask them to update the information. Instead of them updating it correctly, they reported to the credit bureaus that my account went into charge off status XX/XX/XXXX and then fraudulently reported that I have been making payment since then. Then fraudulently reported that my account went into charge off status again XX/XX/XXXX. As you can see in the supporting documentation XXXX, they are reporting that I have been making payment since XX/XX/XXXX, but at the bottom where it says " account history '', it says " DPR ', which mean date payment received, they report " ND ', which means no data. You absolutely right there is n't no data because there never was any payment made. When I call Citibank customer service, they also verify that I have not been making any payments but since they are not the credit dispute department of Citibank they ca n't help me.
I have a mortgage that was modified back in 2009. At the time my mortgage was with XXXX XXXX. It was a tiered mortgage with the final interest rate at 5 %. It seemed reasonable then. XXXX. As the years have come my loan has been sold 5 ( five ) times to different service companies. During these changes and my rate increases it has become more difficult to maintain my mortgage payment. Partly due to the rate increase, party due to my house being under water, and my husbands retirement, and lastly, is our farm income not as forth coming. Added to that charges showing from our service companies after being transferred for miscellaneous items, such as administrative cost, appraisal fees, missing payments etc.. have been added. I have disputed these in writing with documentation, only to be told that it did n't matter, what they had from the previous servicer was correct. My bank statements did n't prove payments? Needless to say I am way behind on my mortgage. I put together a loan modification request with all the bells and whistles, jumped through every hoop they asked, some several times I might add. I have never once been allowed to speak with a loan modification specialist, never once have I been allowed to speak with the same person twice, I have always had to speak with whom ever answers the phone. That person is generally a customer service rep, who has to read my file, give me an update, take my message, and have someone get back to me. That could be anywhere from a week to a month. Generally in a form of a letter telling me they need something else. Needless to say. I have only been told by customer service that they did not accept my dispute letter and documentation on my late charges from my last service company, because they read that from their screen and a letter was sent to me. I have yet to get that letter and have told them that on 2 ( two ) separate occasions. To date I still have not received a letter of response. I have although finally received an answer to my request for a new loan modification. The answer was absolutely not. I was not eligible for not 1 ( one ) program. They had no even had one answer to even try to work with me. The paperwork I submitted was done in accordance with XXXX making Home Affordable trickle down. I could easily afford the payment and become current and keep my home. They could refinance me at a lower interest rate for blessed sake and keep me in my home! But they have done nothing but give me the run around and treat me like I am a lowlife Human being. I realize they do not have to offer me anything, however, if I understand the Making Home Affordable Program, is n't it for the Owners of the loans XXXX, not the Service Company ( Seterus , Inc. ) to aid homeowner 's who wish to stay in their homes, help them stay in their homes? By the way Ohio is considered in one of the hardest hit States to boot. What can I do to get help in getting a restructured Mortgage when I have a Service Company who clearly is n't interested whether I keep my house or not?
Equifax says that none of my information matches their information I want them to send me proof of what information they have that does not match. I have never given out false information. I believe they are doing the same thing they always do and that is pull the information by the address and not by the name and address. They have done this in the past and my mom would get the entire family living here credit info on her report. 

I complained about that because they used to give out the full credit card number and at the same time tell you to never give your card number to someone you do not want to have it. They WOKE UP and then continued to pull the info the wrong way but now only the last numbers are showing. 

They need to give me what info they have before I supply any info
XXXX has been non-compliant with removing the unverified account NAVY FCU Opened Date XX/XX/2016 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that NAVY FCU was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
NCB Management Services is incorrectly reporting a closed account as open as a negative collection on my  XX/XX/XXXX  and   XXXX   XXXX   credit report. This account was included in my chapter  XXXX  bankruptcy which was discharged i n  XXXX / XXXX /   2017. Th ey should not be constantly reporting negatively on my report. I filed a dispute with   XXXX   XXXX   on  XXXX / XXXX  /2017.  Who stated that the company would not cooperate with. I feel that this is unfair reporting on this companies part.
I have made repeated attempts to inform Berks Credit & Collections that the account that it repeatedly reports as delinquent on my credit report is not my account. I have contacted the originator of the account and was unable to receive any form of documentation that the account is my reponsibility
Re : CFPB No : XXXX Capital One was not able to provide an explanation as of why the information provided was false and did not match the information in the credit report. The reason for the decline : " Based on your credit report from XXXX, length of credit history ''. This information is false and not reported as such by XXXX, where the credit card history is stated as 21+ years. Capital One has inquired with XXXX and XXXX as well based on the credit report inquiry information. Capital One needs to provide the reason why the reason for the decline does not match the XXXX report. A complaint will be file with XXXX as their information was used falsely. <P/>Manager mentioned that Capital One is not inclined to open an account for someone who is citizen of another country or has dual citizenship. This seems to be the only justification for the decline.
Equifax hack led to breach in personal security. I was listed as potentially impacted. Due to a lack of security system, my personal information is now in the hand of hackers and my credit can be ruined leading to huge personal impact.
I have asked Credit Protection Assoc. to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
On Monday XXXX XXXX I called the company around XXXX. I spoke to a guy XXXX XXXX XXXX stated I believe I was a victim of some type of inquiry issues. XXXX would not help me with the matter that was at hand. I have XXXX hard inquiries on my report and I 'm only knowledgeable of XXXX.
I applied for a loan for a used vehicle through XXXX XXXX in XXXX SD. I received a rejection letter that was based off credit reports with information that is soon to be outdated. The bank that rejected my application was wells fargo and I highly feel that due to my address on my application which is on the XXXX XXXX is a reason for rejection also and this is a form of racial discrimination from wells Fargo.
U.S. Bancorp Investments, Inc XXXX XXXX XXXX XXXX XXXX MN XXXX Complaint Description : Re : Loan No. XXXX This letter is in reference to the above home mortgage from lender U.S. Bank N.A. and administered by XXXX XXXX. Re : XXXX XXXX. XXXX XXXX XXXX XXXX US Bank Corporate Trust Services XXXX XXXX XXXX XXXX XXXX MN XXXX This letter is in reference to the above home mortgage from lender U.S. Bank N.A. and administered by XXXX XXXX XXXX XXXX. In reviewing my credit report it appears there are some discrepancies or errors in the payment history which needs to be corrected under the Fair Credit Reporting Act. Specifically the errors in the reporting are for the months of XXXX, XXXX, and XXXX 2015. All three months were paid on time and need to reported as such. I have copies of the bank statements which can be provided if necessary. I am also notifying the actual lender ( U.S. Bank N.A. ) of the potential violations of law when errors are not corrected. I also request confirmation that in fact your office did receive mortgage loan payments for XXXX, XXXX, and XXXX and that they all were processed. I will need a formal letter on Company letterhead dated and signed by an authorized representative. If you fail to provide the confirmation that the payments for XXXX, XXXX, and XXXX were received tendered and processed timely I will proceed to procure a subpoena as I am entitled to this by law. Very Truly Yours, XXXX XXXX XXXX XXXX.
Case numbers : XXXX/XXXX/XXXXI need to know why my credit score dropped dramatically.
Over the past week I have received multiple calls from what appears to be a debt collector named allied interstate. They do not leave a message, they do not identify themselves. I have received no written communication from them. I am not aware of any debt that could be owed to them. I have had no opportunity to dispute whatever they might be calling about. I don't even know if I am the person they are trying to reach.
Every month for the past two years I contacted Equifax to ensure my credit information was correct. 

Every year I pull my credit report, and again during the year if denied credit for whatever reason. Every time I am denied or charged higher fees it is due to the falsely documented information provided by Equifax.
Since their multiple breeches I now call every two weeks or each time I get an alert on my credit monitoring account. 

I immediately informed them that my addresses were incorrect. I told the agent what my correct information was and she intentionally typed a combination of addresses on my report and submitted it as my current address. When I heard her repeat misinformation I corrected her again and she in turn tried to hurry me off the phone. 

I called back to complain about what happened it appeared same woman got on the phone posing as a supervisor. My addresses were never corrected and they refuse to do so. They stated the info comes from creditor reporting but that is false for no creditor has a record of my addresses being what Equifax intentionally submitted. 

I just spoke with them again this past Tuesday to resolve the matter and once again they refused. I informed them it is illegal to falsify an individual 's credit information and even worse when a credit bureau worker is the one doing the false documentation. I also informed them that I will be reporting them.