WillisBack/dataset-financial-user-claim huggingface dataset:
I was student at XXXX university since XX/XX/XXXX, and i was A grad XXXX GPA student. 

In XXXX XXXX, i was getting married, i did n't take any days off during my wedding but i continued my classes and did really good in my class. 

In XXXX XXXX, I had XXXX and other health condition so i contacted XXXX Vice President XXXX XXXX XXXX and told him about my medical condition and asked for drop my class for 30 Days. After feeling better, I contacted XXXX XXXX XXXX in XXXX XXXX, XXXX in order to Continue my Class. XXXX XXXX XXXX asked me to speak to XXXX XXXX XXXX in order to sign up my class but after i sign up and they told me they are not offering XXXX program. Instead they have now aeronautical XXXX program which is quite different then my XXXX XXXX Program but they will manage some classes for me. After sign up they asked me to make extra XXXX class fees in XXXX in order to continue my class which i did not took during my health condition in XXXX XXXX. They told me that they had to return tuition fees to financial aids. So XXXX XXXX XXXX fail to told me that i had to make payments and also failed to notify me to sending my medical records. I offered them that i can send my XXXX XXXX but they told me that there is no Guarantee that they will take those payments off from my account. They told me i can not continue my class unless i make full payments and i am XXXX and i had part time job which i could n't afford and they jeopardize my Education and career just because i had health condition. They told me i have to make payments or else they will sent to collection agency. I wanted to finish my education and not to have affect on my credit report so i started making payments {$25.00} every month. Last payments they charge me {$50.00} on XXXX/XXXX/XXXX which was double the amount which i did not authorized. I did contacted person in Bursar office XXXX XXXX so she said she will refund {$25.00} next day but she never did. I did called them couple of time to get my refund but i never received my refund. even though i was making payments regularly they been keep calling me from Bursar office person name XXXX XXXX and i was explaining every day to tell her that I 'm same person she been kept calling and i already made payments and she was saying sorry that she called accidentally. even though till now i was making payments for those classes i did not took due to My XXXX Health Condition. 

They told me that they will not issue any Transcript unless i make full payments which i could not attend due medical condition. Without Notify me They sent to Financial Collection and i received a call today on XXXX/XXXX/XXXX so i had no choice but to set up a payments plan in order to get my Official Transcript. 

even though i was making payments every months they still sent to collection agency " FMS Investment Corp. ( FMS ). even though i explain to Collection agency they said i have to make payments to them now on, so i set-up payments plan. 

Surprisingly Everglades still charging me {$25.00} per month as well as this collection agancy also charging me at the same time.
Recently I closed a citi bank credit card. It was opened for me when XXXX changed from XXXX to Citi Bank. Upon closing the card the Citi representative told me I would forfeit my reward dollars. This does not seem right. My rewards $ 's was small, but I 'm sure some people lost large dollars and in the aggregate it represents a windfall profit for Citi Bank.
I filed a Ch. XXXX Bankruptcy in the XXXX XXXX of California on XXXX/XXXX/XXXX and after completing the plan was discharged on XXXX/XXXX/XXXX. The Trustee noted a property mortgaged by SUNTRUST MORTGAGE as " REJECT & RETURN '' and by Order of the Court, the property was returned to SUNTRUST MORTGAGE and subsequently sold. 
XXXX currently reflects SUNTRUST MORTGAGE as a " Negative Account, Closed Account '' however it continues to report the status as " Wage Earner Plan ''. XXXX reflects negative payment history entries for SUNTRUST MORTGAGE for the month of XXXX XXXX, during which I filed bankruptcy and for XXXX XXXX, the month I was discharged from bankruptcy. 
XXXX currently reflect SUNTRUST MORTGAGE as " Potentially Negative Closed ''. It continues to reflect the " Payment Status '' as " Making regular payments under XXXX. '' I have disputed the incorrect information with XXXX and XXXX on numerous occasions to no avail. On XXXX XXXX, XXXX, I mailed certified letters to three SUNTRUST MORTGAGE addresses, the address listed with the Bankruptcy Court and the addresses listed by XXXX and XXXX, respectively. I am seeking your assistance to resolve these inaccuracies and correct my credit reports.
I've sent in disputes and also spoke so individuals in the office of consumer affairs about these unauthorized inquries and was told that they could not dispute them and to contact the companies listed which I did and was told to dispute it with the credit bureau.
I have XXXX paid medical accounts that went to collection. They were quickly paid in full to original creditor. Collection agency reported inaccurate and incomplete information regarding these accounts before and after they were paid. 

Based on this poor account management XXXX and XXXX deleted these accounts from my file. XXXX continues to allow collection agency to verify bad information by rote.
TALKED WITH XXXX CREDITORS THEY TOLD ME THAT THE WHERE NOT THE XXXX KEEPING THIS DISPUTE ON MY CREDIT REPORT /BANKRUPTCY XX/XX/XXXXPAID IN FULL THIS DISPUTE WAS ADDED IN XX/XX/XXXX? PLEASE REMOVE IT. 
THIS IS KEEPING MY GOOD CREDIT SCORE DOWN AND I AM TRYING TO REFINANCE MY HOME. 
THIS WAS CLEARED ON MY BANKRUPTCY/ SPRING LEAF AFFIRMED AND XXXX AFFIRMED THEY ARE NOT HOLDING THIS UP
Any time I try to contact Experian, I receive either an automated message from Experian stating they can't assist me by phone, and I need to send them my request via paper, or I receive the same response on the website, but I can never speak with a Human. I have sent all of my documentation in previously to obtain my credit report. 

When I tried calling the number on the website XXXX, I received an automated system that would not let me speak with a Human, but rather took my information and advised that I would have to mail my issue to the company with proof of who I am to assist me. I then called back and tried a different option ( you only have two ), trying to speak with a person, and the option again took my SSN, zip code, and the house number, and then asked me to record my name, and zip code, and then told me my 'request to add a security fraud on my account had been received and would be reported to all Credit Bureaus '. but not an option to speak with someone directly. 

this is ridiculous. If you are going to have control over anything with my credit, it should be mandated that there is an option for me to speak to a live person. Not just two options on a queue and a disconnection. 

I was finally able to speak with someone by contacting the corporate office in IL, and being transferred to 'special services ' to speak with someone. it shouldn't be this difficult to speak with someone there, period.
On XX/XX/XXXX I walked into the only Best Buy that is located in XXXX, VA. I was interested in buying a music deck for my new car, so a tall XXXX male who 's name I do not remember helped me. After he helped me, he suggested that I put my music deck purchase on their Best Buy card, because they offer 0 % interest on the card. I made sure before I took another step forward that I did my due diligence to acquire all information that pertained to the card. I asked the young man did this card require pulling up my credit score, and he replied " yes. '' I then proceeded to ask him if this would be a " soft '' inquiry/pull, or a " hard '' inquiry/pull to my credit. Without hesitation, the young man told me that it would only be a quick soft pull to my credit. Since I take my credit score very seriously, I asked him one more time to be sure, and he still replied " yes, this is only going to be a soft pull to your credit. '' After checking my credit report on XX/XX/XXXX, I noticed that ( Citibank Na., Best B ) placed a hard inquiry on my credit from XX/XX/XXXX, and the purchases I made in best buy that day showed up on XX/XX/XXXX with my XXXX XXXX XXXX credit card. I feel betrayed, because I was given false/wrongful information with the utmost confidence from an employee at Best Buy, and his confidence in what he was doing allowed me to trust him. If he was not sure of what type of pull the company would have done, then he should have gotten someone who could answer that question instead of telling me incorrect information. <P/>Best Buy Address : XXXX VA ( Store XXXX ) XXXX XXXX XXXX XXXX, VA XXXX
On XXXX XXXX, 2015 at approximately XXXX, I received an email from Bank of America or what appears to be Bank of America . The email states that after calculations of activity with the bank they determined I was eligible to receive a fees refund of {$300.00}. They wanted me to submit the refund request and allow them 3-5 days in order to process it. They stent a Refund Form that was attached to the email, I was to open it in a browser and follow the instructions on the screen. 
The form asks for User Information which consists of a online ID and password, billing address, full name, social security number, date of birth, address ( if different from billing ) city, state, zip code, mobile number, and card information credit/debit, the code verification number ( cvv ). It gives you the fees refund {$300.00} usd. Then they want you to use your email address registered with them to confirm a security verification with your email password. 
I called Bank of America because I do n't have any accounts or credit cards with them to confirm. The representative was very helpful with informing me there was nothing in there system with my name.
I was denied a modification based on Negative DisposableIncome. That 's based on my home being valued at XXXX. 
Dollars. I would like a principle reduction. I be leavebased on the true value of my home it will lower my debtand allow me a payment I can afford.
I purchased a computer for a XXXX that I lost XX/XX/XXXX. The remaining balance on the loan was {$2500.00}. I began receiving several telephone calls, and numerous dates to appear in small claims court from Kohn law firm, XXXX, WI. and XXXX XXXX, XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX. Judgement was ordered on XX/XX/XXXX. Telephone calls from XXXX and court dates began XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX. As of XX/XX/XXXX I have paid seven monthly payments to them in the amount of {$990.00}. I explained to them that my husband is ill with XXXX and I am the sole provider for my family at this time. I have gone to court for this several times, and I have sent them a " cease and desist '' letter to stop harassing me with court dates. TODAY XX/XX/XXXX I have been served again for contempt of court. This was for the court date ordered on XX/XX/XXXX with XXXX XXXX. I was there, I have written notes in regard to our conversations with someone who had not even looked at my file before threatening me with the fact that they can send me to court every week or every month if so needed. I asked how can you do this when I have paid you " monthly '' for the last seven months? And will continue to pay until the balance is paid off? Because I would not give him the " name '' of my current employer, ( I am not allowed to receive contact at work, In this day and age anyone and everyone can do a " background '' check. That is how I got my current job ). This is why they sent me to court today. For contempt. He said he would be sending me to court for this. I also sent a " cease and desist '' letter certified mail on XX/XX/XXXX. They signed on XX/XX/XXXX. I am at my witts end with this KOHN law firm. I feel I am being harassed by this company every 45 days. I am going to go to court again and present my case " again '' to the judge, with my notes from the XX/XX/XXXX meeting, my " paid '' receipts to this company, and the numerous harassing they have applied to me. I am filing a complaint with you and with the XXXX ( 4th time ). Is there anything else that you can suggest to get them to stop wasting the tax payers money, adding more money to my balance, wasting the court house and judges time, and my risk of loosing yet another job from this company. ( I lost another job XX/XX/XXXX from having to take time to be in court ) PLEASE help in XXXX. Thank you.
On XXXX 2015 i filed a complaint about wakefield & associate who claimed that i owe XXXX XXXX their response was that they will contact XXXX credit bureau to removed them. after those debt was removed from my credit report, on XXXX 2015 they reinserted again those debts. I am filing this complaint to get this debt to be immediately removed from my credit report
Multiple disputes regarding duplicate accounts being reported. Supporting documentation has been provided numerous times. 
Navient reporting duplicate loans to my credit reports. Reporting under XXXX as well as XXXX. XXXX is no longer the name used for servicing loans as all loans are now listed under XXXX. 
Experian refuses to remove the duplicate items from my credit report.
Company reaged debt and made my credit score plummet without my authorization. In addition, i have tried multiple times to see what debt this is and every time i call them they can not locate my debt. Soemthing is severely wrong here! 

ALLIANCEONEXXXX XXXX XXXXXX/XX/XXXXOpen $ XXXXAccount DetailsLast Reported XX/XX/XXXXCollection Agency ALLIANCEONEOriginal Creditor XXXX XXXX XXXXStatus OpenOpened Date XX/XX/XXXXClosed Date -- Responsibility IndividualBalance $ XXXXHigh Balance $ XXXXRemarks Account information disputed by consumer, meets FCRA requirementsCreditor Contact DetailsALLIANCEONE REC MGMT XXXX XXXX ( XXXX ) XXXXSee something wrong? 
Learn more about how to dispute items on your credit report.
I made payments as needed for all months in XXXX. The credit card company said they did not receive XXXX or XXXX. I provided proof from my bank they were paid and even went as far as to set up a conference call between the credit card company, myself and my bank. After the credit card company refused to apply the amount to my credit card account balance and remove the late fees, I went ahead and placed a stop pay on the 2 months of payments and paid the credit card company {$400.00}. I was told that my next payment would be due XXXX. Since that time I have been receiving XXXXXXXX phone calls per day saying that because my credit card balance is over the limit by {$500.00} that I need to pay them now regardless of what was said/done when I paid the {$400.00}. I have referred the callers back to XXXX at the credit card company to go over the particulars yet the calls do not stop. To make matters worse, they have now reported me to the credit bureau and said I 'll need to dispute it with them. 

Please help!!! I made my payments as I was supposed to however, they did not process them ( Proof provided from my bank. ). I paid them an agreed upon amount in XXXX XXXX with the understanding from XXXX on their Executive Communications Department that my next payment was not due until XXXX. Despite all of this, I 've now been reported to the credit bureau and receive multiple phone calls per day, even while at work, harassing me to pay my over limit balance immediately.
I XXXX XXXX notice that my account balance wasn't correct so I contacted Fifth Third Bank concerning this matter I spoke with XXXX I then notice that there were a fraudulent transaction made that I didn't authorized someone had stole my information from my account and my debit card they purchase XXXX dollars for XXXX XXXX blues tickets. I never receive any service nor goods from this vendor and I never attended any events that XXXX XXXX I don't listen to blues music I had my information stolen and my credit card debit card was used in XXXX I were in the state of Illinois and went to the Bank to show my where about. I'm a victim of fraud and this person had been using my identity and bank information I contacted XXXX XXXX and they refuse to give me my money back. I am not responsible to pay for someone else bills or entertainment and I received no goods nor service. Fifth third bank can't make me repay this money back. I didn't authorized nor give no one permission to use my account or bank card.My account and card has been hacked. Fifth Third needs to close the entire account and card and reopen a new one my money should be safe and secure at all times its FDIC.
On XX/XX/XXXX. I checked my credit report and saw there was a new collection on my XXXX report.I called the company 3 times and 2 times was hung up on. The 3rd time I ask the collector what address the validation notice was sent he stated did not have an address . I was informed that there where other debts of mine in there office and it was not reported to the credit bureau .He hung up on me . Texas has not reported any of my medical debt before I was told they do not. Violation of the FCRA and FDCPA for abusive behavior ..Continue to hang up and not try to resolve the issues..If they report to the credit bureau they must report all DEBT as of today the only report is for XXXX XXXX from XX/XX/XXXX the others have not been reported they can not pick and choose
I disputed this information from my credit report which is being reported to XXXX back in XXXX XXXX. I asked for verification of this bill and never received anything. I then contacted the company in which they say I owe the bill to. XXXX dba XXXX and spoke to several representatives at which time I advised that the bill had been paid and the service was to be turned of in XXXX of XXXX at the latest, but for some reason I was still being charged all the way up until XXXX XXXX. I have payments that were posted to this account from my bank account and I also have proof that I was no longer at this address as of XXXX XXXX. I feel as though the company is just trying to get something out of me that should not be. I even offered to pay them {$150.00} to settle this account and get removed from my credit report, but they refuse. I refuse to pay for service that I did not have, but was willing to try and meet them halfway. Below are the payments made to XXXX and when I cancelled service and started with XXXX from my bank account with XXXX : Payments to XXXX XXXX XXXX XXXX AUTOMATED DEBIT XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Other Withdrawals and Service Fees continued on next page XXXX XXXX AUTOMATED DEBIT XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX MISCELLANEOUS XXXX XXXX PURCHASE XXXX, XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX PURCHASE XXXX, XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX PURCHASE XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX AUTOMATED DEBIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX AUTOMATED DEBIT XXXX XXXX XXXX XXXX XXXX XXXX This has been an emotional stress on me due to them trying to continue to collect more than what is due. Received letter stating that XXXX XXXX does not accept settlements on accounts.
I had signed up for a Citibank promotional offer in XX/XX/2018. The promotional offer was to earn {$400.00} for opening a new checking and savings account and complete qualifying activities. The qualifying activities listed on the promotion included depositing {$15000.00} into the new checking or savings account and maintaining that balance for 60 consecutive calendar days. According to the promotional text, that was all I needed to do. I deposited {$15000.00} into the account within 10 days of opening the account and held the funds in the savings account for 60 consecutive calendar days. In XX/XX/2018, two months after opening the account, I was expecting to receive the {$400.00} bonus. I called Customer Service and was surprised to hear that I would need to wait another 60 days before receiving the bonus. I then lowered by balance in the savings account to {$10000.00}, the minimum amount required by the bank to avoid a monthly fee. All throughout this time, my checking account was open but did not have a balance. In XX/XX/2018, I received an email notifying me that I had met all qualifying activities and would earn {$400.00}. However, when I logged into my online account, I noticed my checking account had been closed automatically by the bank. I called customer service to inquire and learned my checking account was closed due to XXXX balance after 90 consecutive days. As a result, I would not qualify to earn the {$400.00} sign up bonus because both checking and savings account needed to be open at the time of their bonus deposit. I feel this promotional offer was deceptive marketing by Citibank. At no time was I ever informed I would need to maintain a balance in my checking account. The Customer Service representative even said I would have qualified to get the bonus if I left {$1.00} in my checking account. The promotional text does not specify which account to leave the money in, so I left it in the savings account due to potential interest. I tried to explain my situation to Citibank but to no avail. The customer service representative said she would note my story down as feedback for future promotions but offered nothing else. As a result, I closed my savings account and did not receive any bonus even though at this point I have left my money with them for 4 months. I could have been better off not opening the accounts in the first place and leaving these funds in a high yield savings account elsewhere earning 2 %. I have had bank accounts elsewhere and have never seen them being closed automatically for XXXX balance. This was a deceptive tactic by Citi so that some consumers who signed up for the promotion would " drop-out '' of their program by purposely closing their accounts after 90 days. I would like Citi to clarify their promotional offers to future consumers so they do not have the same experience as I did.
Good Day I 've sent a letter regarding this matters and some of this has been handled however this is n't my problem. This issues are the duplication of pulled inquires on my credit report. I 've sent XXXX this information over numerous times but have not verified anything with me. I receive a letter from XXXX  stating they have verified everything but never sent me anything from the companies. I 'm extremely frustrated with this matter. This will be a on going process if XXXX does not handle things on their end. I 've submitted something on the XXXX XXXX, XXXX XXXX, XXXX XXXX and now XXXX XXXX. These are the companies : XXXX XXXX XXXX X/X/2016 and X/XX/2016 XXXX XXXX XXXX XXXX : X/XX/2016, X/XX/2016, X/XX/2016 XXXX XXXX : X/XX/2016, X/X/2016 XXXX XXXX : X/XX/2016, X/X/2016, X/XX/2016, X/XX/2016