WillisBack/dataset-financial-user-claim huggingface dataset:
I have called several times to Regions to correct the reporting of my loan to the credit bureau. I have request Regions send me a print out of all payments paid from the beginning of loan. Regions Mortgage has n't sent anything or correct the file.
I had a legal name change and bankruptcy. I came back to attempt to reopen a new checking acvount with XXXX. They lied to me and said my account was still open and I would need to repay the owed money from my Chapter XXXX first. But couldn't officially ask for it back. They have cashed my checks for XXXX dollars so far with the loan account number that I've since verified with Transunion was closed with my bankruptcy. They refuse to speak with me and clearly KNOWINGLY DEFRAUDED this money from me with no intention of offering me a new account.
I don't have a financial obligation to these companies and it is negatively affecting my credit score, please remove it immediately XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX
I have been making automatic payments without fail. My payments were {$160.00} and some change. I did not remember to fill out paperwork for recertification for   XXXX   for income based payments. They say that they sent reminders, but that is not true. On  XXXX   XXXX  of this year I opened my bank statement and was stunned to see that they debited {$2900.00} from my checking account. I spoke to an agent of Navient and said that I was going to fill out the required paperwork including copies of tax returns. I faxed the paperwork to them and told them to cancel automatic payments. Yesterday, which was  XXXX   XXXX  I opened my bank statement and realized that once again they tried to debit my account for {$2900.00}. I had an extreme physical reaction. My   XXXX   XXXX   XXXX   XXXX   and. My  XXXX   XXXX    XXXX   XXXX  . I experienced   XXXX   XXXX   and I ended up taking  three  times my normal  XXXX   XXXX   XXXX . I had to lay down to avoid  XXXX . I contacted  Navient  a couple of hours later after I had recovered to some degree. I was told that if their check went through I could start the process of a refund that w ould take two to three  weeks. I checked today and realized that my stop payment had been honored. I think they are absolutely ruthless and that they could of driven me to a   XXXX   XXXX  . I am going on   XXXX   XXXX   of age and that they acted in an irresponsible manner which could have caused significant damage to my health and well-being. They never warned me of what they were going to do and I believe it was their way of getting my attention and disciplining me.
I submitted an extra payment to Navient with explicit written instructions. The payment was supposed to be applied to only XXXX of my XXXX loans. It also was supposed to be strictly used for principal only. Navient ignored my specific instructions and split the payment between my XXXX loans. It also applied a portion of the payment to interest fees when the loan was up to date in payments.
On XX/XX/2018 I was contacted via telephone from a number showing as XXXX which I was able to determine belongs to Receivables Management Partners. The female caller did ask for me by name but said she needed to verify me by my phone number and/or address. I refused to offer this information to a number and/or party that I do not know. The representative then threatened to call my employer and hung up the phone. At no time did this company say who they were collecting a debt for but instead asked for information that could be used for ID theft.
These student loans are under federal fraud investigation that i have filed with My State, the XXXX and Department if education. These matters were placed on hold by President Trump and the Department of Education for over a year. These fraudulent loans  giving under false pretenses i want removed from my credit or placed in dispute status until the matter has been resolved. The Department of Education already denied over 12000 applications that had no bearing and i was not one of them. I want my credit report reflecting this as these are having a negative impact and have not yet been deemed legally binding.
I tried to charge my chase credit card at XXXX on XX/XX/XXXX for hotel stay but it got denied because Chase thought it was fraud. So, I paid the vendor in cash as per his request and was granted admittance into the hotel. 

Later on, I got a text from Chase that stated : " Chase XXXX We declined {$450.00} at XXXX XXXX XXXX XXXX for card ending XXXX on XX/XX/01. was it you? If YES text 1, NO text 2 '' I only responded to that initial text the next day or XXXX hours after I checked into the hotel. I responded 1 because I wanted to use my card while in XXXX. 

I then received the following text : " Chase Thanks. The Transaction was not completed. If you want to make the purchase with this card, have the merchant reprocess the transaction '' ( see attached screenshot ) I never had the merchant reprocess the transaction, I never gave the merchant my credit card after it was declined, I never authorized the merchant to charge my card again. Because the text said that the " transaction was not completed '' I didn't think I needed to call my credit card company while I was in XXXX nor worry about the transaction. 

When I arrive home and check my credit card account I see that I was charged on XX/XX/XXXX {$430.00} from XXXX XXXX XXXX XXXX. I immediately contact Chase and filed it as fraud on approximately on XX/XX/XXXX. 

Several weeks later I'm told that this is not a fraud case and it was transferred to the Chase dispute department. I never received a receipt for my cash payment nor did I think I needed to keep any documentation because I never reauthorized the merchant to charge my card. I lost the dispute with Chase. 

In addition, I am in XXXX XXXX and Im sure this happens to people all the time where their credit card is initially denied. I tried reaching out to the hotel via phone and email and they never responded back to me. 

This is not a case of a duplicate charge this is a fraudulent act by this hotel to get an additional {$430.00}.
I checked my XXXX XXXX credit score and my Equifax is showing 6 hard pulls that I do not recognize.XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX were pulled XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX were pulled XX/XX/XXXX. I alerted Equifax and set a 90 day fraud check on my accounts so hopefully that deters any identity thief from trying to take out any more credit. If I could get assistance in this, it would be great.
In XXXX, I was sent court documents saying I was a defendant in a law suit from XXXX XXXX XXXX, for XXXX XXXX XXXX XXXX, for non-payment of a credit card debt ( attachment 1 ). The suit alleged I co-signed a credit card application for XXXX XXXX on XX/XX/XXXX and she ran up a {$3600.00} credit card debt that was delinquent. I did not request, or, co-sign any credit card request from XXXX XXXX XXXX and responded to the law suit with the attached documents I supplied to the court, in XX/XX/XXXX ( attachment 2 ). XXXX XXXX XXXX continued sending me notices and refused to remove the collection information from the credit agencies, as I requested ( attachments 3 & 4 ). After a year of trying to get this off my credit report, I told XXXX XXXX I would pay the debt, even though, I had no legal responsibility to do so, if they would get it completely off my credit report ( attachment 5 ). They agreed. I paid it in full and received their letter, dated XX/XX/XXXX, stating it was paid ( attachment 6 ). To date, this debt collection information still shows up on all three credit reporting agencies. It continues to cause me complications with credit applications, leasing agreements and anything requiring a credit score or evaluation. All XXXX XXXX says when I contact them is, the debt is paid in full. They have taken no action to have this removed from the credit agencies.
Left XXXX XXXX after a semester once known that none of it would be credited, and school closed down shortly after. Never gained any credits or anything from that school, Naviant denies loan forgiveness even though itt tech was sued for fraud and discredited by Department of Education. Not only that Naviant is now being sued for fraud in the same timeline this it happened. They did not help or give much choices, just you can postpone until you pay the amount. Both insitutions were conducting fraudulent activities preying on low income.
I received a XXXX back in XXXX XXXX from XXXX XXXX XXXX. This machine was put down under my medical insurance. In order to pick-up the machine, I had to give a bank account number and routing number and I was told that if my insurance did not pay for the machine I could be automatically charged thousands of dollars. 

I have been in contact with XXXX very frequently to find out if payment had been made on my XXXX by my health insurance. Often times no one answers the telephone at XXXX and I frequently had to leave a voicemail, or my wife did who has also been in contact with XXXX. I repeated game of " phone tag '' has essentially been going on for many months. Whenever we have been able to get in contact with a XXXX representative, no one can verify any information about what my health insurance has paid on XXXX and if anything is left owing. 

I started receiving a bill a few months ago for the amount of approximately {$130.00} that had duplicate charges on the bill for the same type of equipment ( e.g. mask ). I have been making payments towards this bill every single month. This month ( XX/XX/XXXX ) whenever we logged in to make another payment on this account it said there was a " XXXX balance. '' I had left several messages about having duplicate charges on the bill that was previously viewable online/digitally. 

My wife called again and again had to leave a voice message because no one answers at XXXX typically just to indeed verify that nothing was owed and that the account was at a XXXX balance. My insurance company had initially told me that this XXXX would be covered at XXXX % so receiving any type of bill from XXXX needed to be explained, but now receiving a bill or viewing the account online was showing that nothing was owed. 

My wife and I called XXXX and left a message and someone returned our phone call and left a message stating that the account was at a XXXX balance and they were indeed going to verify with the insurance that the XXXX was paid at XXXX % and they would be getting back with me. 

This morning I received a bill from a debt collector on behalf of XXXX XXXX in the amount of {$68.00}. I have been in constant contact with XXXX and making payments on the bill that I was receiving every month even with the duplicate charges. Every time we call XXXX, no one has been able to verify what was owed on anything. I just spoke with someone XXXX days ago who told me nothing else was owed on the machine, but now I have a bill from a debt collector on behalf of XXXX.
The company is XXXX their phone # is XXXX XXXX at XXXX am they called my place of work. I answered and they asked for me using my full name-when I asked what it was regarding they said it was personal. I said it was me & they wanted to talk to me about a bill because they could n't reach me by phone ( had my phone # changed when I switched carriers several months ago ) I had a patient standing in front of me waiting to get checked in so I told her to not ever call me at work again or I would get XXXX of an attorney. This was very embarrassing for me as my co-workers and the patient heard the whole thing. Very sad that they would stoop that low and put my job on the line by calling me at work. We are not supposed to take or get personal calls.
My identity was stolen and multiple fraudulent accounts where opened under my name without my authorization and or knowledge. These fraudulent accounts are as follows, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX. Ive advised XXXX and Transunion of this. Ive disputed the validity of all of these accounts with XXXX  and Transunion as well as those listed collection agencies, several times to no avail. XXXX and Transunion, along with those collection agencies refuses to provide me with the documentation Ive demanded them to provide me with, XXXX and Transunion refuses to remove these fraudulent accounts out of my name and off my credit report.
I have been Chase Visa card holder since XXXX. I have not used the card since XXXX XXXX. I was notified in XXXX of XXXX that the credit card account will be closed for non-use. I contacted Chase and spoke to XXXX people, XXXX being a supervisor. I was told that my file was reviewed in XXXX and XXXX of XXXX, before the decision to close the account was made. I indicated that I was never contacted about my file being reviewed and had I been made aware of this, I would have begun using my credit card regularly. The initial agent I spoke to stated that typically card holders are notified when their account is being reviewed. However, when I asked for proof ( copies of correspondence ), none could be found and the only subsequent correspondence I received, referenced the initial letter sent in XXXX. The most disturbing part of this whole experience, is that I was informed that if I wanted a Chase Visa card, I could apply for a new XXXX after the existing card was closed. This card is in my name alone and not connected to my spouse in anyway. It 's an important part of my credit rating, since I 've had it since XXXX and it has a high credit limit. I understand that Chase has a right to cancel my account. What I object to is the manner in which they did it. They never notified me or gave me an opportunity to correct the situation. Something you 'd expect, if you were a card holder for 38 years. Further, their suggestions of applying for a new credit card with them, smacks of bad business and dishonesty. A hard lesson learned, but hopefully someone else will benefit from my experience. Be careful who you choose to do business with. A bigger named bank or financial institution does not necessarily equate to better service or loyalty.
On XXXX XXXX Transunion removed all credit inquiries from my credit report and between XXXX XXXX and XXXX XXXX, 2016 reinserted them. I was not notified in writing by Transunion about the reinsertion. This has happened on several occasions when credit inquires are removed and reinserted without notification. I am asking for all credit inquiries to be deleted accordingly.
XXXX XXXX XXXX XXXX XXXX has threatened a lawsuit for an alleged debt passed the statute of limitations, for the second time. The first time was a garnishment of an account I did not have. Now they want payment withing 14 days or they will file a lawsuit.
Trans Union had a glitch in there system that violated the rights of their consumers under section 6.11. as a result i have been gravely affected and my score is suffering as a result. no notice was given which is also a violation and i am requesting All inquires to be removed XXXX
I am the merchant in this complaint. The bank offered my client a 12 month ( same as cash ) line of credit to make a purchase. The client made the purchase in XX/XX/XXXX. At the end of the 12 month term, the client was charged fees and interest by Alliance Data. Over the course of the next several months, the client disputed it with Alliance Data and called us to find out if there is anything we can do. Alliance data contacted us and asked for the client 's signed CBC receipt. We did not have it since the request came approx. 23 months after the receipt was signed. Alliance Data communicated that if we did not provide the signed CBC receipt that the I ( merchant ) could be responsible for any monies due. I read the Terms and Conditions that I originally signed and it did not state that we needed to keep this signed receipt for 18 months after the term was completed. I disputed this with Alliance Data and they responded with a Bank Operating Procedures document that was never provided to me that contains more detail and additional terms and conditions. The last communication was from me via email on XX/XX/XXXXstating that I do not have the signed CBC receipt. No communication was received from Alliance Data after I sent that email. On XX/XX/XXXX, Alliance Data debited my business checking acct {$6100.00}. Still to date, I have received no information regarding what this is for, why this amount, or any means to provide a rebuttal. My complaint is two fold - Alliance Data 's T & C 's contain no specificity. If I knew I had to retain documents for 30 months from signature, I would do so. Plus, this Bank Operating Procedure document that was provided after the fact should be part of the T & C 's I signed and should not be a separate document. My second complaint is Alliance Data 's failure to provide any supporting documentation as to what the {$6100.00} that was debited from my account is for? Their rebuttal process, dispute resolution process and dispute management is non-existent. In the past, if I receive a charge back from a credit card, there are clear procedures on what is being disputed and how to resolve it.

Lastly, the client states that have paid the balance and has provided me documentation to prove this. Alliance Data has not provided any documentation so I don't have a means to reconcile this issue and have to " trust '' that Alliance Data is correct. I can provide client records showing payment if needed.
This company states that I owe money for an account and I am not familiar with business NOR do I owe any money.
I ordered XXXX XXXX service early XXXX XXXX. A technician came out to connect the service on XXXX/XXXX/XXXX. I was not satisfied with the service, canceled the service and returned the cable box & modem on XXXX/XXXX/XXXX. I was told since I did not have service for more than 30 days, I would not have a bill. XXXX is pursuing me for a debt for unpaid charges and/or failing to return equipment. I have a receipt from XXXX date stamped XXXX/XXXX/XXXX XXXX for equipment returned. I have reached out to XXXX to resolve this issue as soon as I received a collection notice. On XXXX/XXXX/XXXX I was assured this bill was in error and would be taken care of. It is now XXXX/XXXX/XXXX and I am being threatened with negative reporting to my credit report for a debt I do not owe. I have informed XXXX I would be reaching out to you for resolution since they are refusing to honor their end of the deal. Also I have faxed a letter of dispute to the Credit Collection Service explaining the same as above. I have mailed a copy of the equipment returned receipt to the XXXX XXXX XXXX in XXXX, MI. Since I live in Oregon I do not have the pleasure of walking the receipt into a XXXX location.
In the process of refinancing my home and title company receives a demand for payment from M. Richard Epps , P.C . in the amount of XXXX for a debt that was discharged in a Chap. XXXX filing on XX/XX/2011. I contacted them in reference to this notice and explain that this debt was discharged in bankruptcy and was advised that chapter XXXX only discharged my personal liability and not the lien that they referenced in the letter. I advised " XXXX '' that I didn't own the home during that time and they couldn't attach asset obtained after Chap XXXX and I would check with an attorney. I then ask him about the amount owed and he stated it was due to the interest that had accumulated over the years. I advised him I would need to speak to an attorney and wanted info on the original amount shown in his system before interest charged. He stated couldn't give me any more info because I stated I would speak to a lawyer and hung up. Call back and got the same rep who hung up as soon as I started talking. 
The letter they sent to title company provided a case number for judgement lien, which I checked with the court XXXX system and its for a case where the " lien '' garnishment was released after Chapter XXXX was filed. They misrepresented information sent to XXXX XXXX!
I signed up for a Citigold checking account in XXXX 2015 during a XXXX XXXX miles promotion and completed the requirements of the promotion within 60 days. Briefly, to earn these miles, I had to do one bill pay in two consecutive months and make {$1000.00} in purchases with my Citi debit card within 60 days of opening the checking account. Despite a representative confirming that a ) the signup bonus had been applied to my account and b ) that I would receive my bonus within 90 days of completing the requirements ( i.e., by XX/XX/XXXX at the very latest ), I have not received the miles. Meanwhile, my Citigold account has a $ XXXX/month fee that is not waivable.
I got an  American Express - Bl ue for Business Card, ( it was Interest free for the Ist year )  XX/XX/XXXX , The first payment was not due til  XX/XX/XXXX . I went into hospital w/   XXXX   XXXX   XXXX   XXXX  , I called when I got out and told them I would pay, Obama law says I have 21 days to pay. I did then later pay. {$36.00}. with in limit. then later they stared charging me interest and it got worse. I did not get statements after  XX/XX/XXXX . Then I g ot one statement and they were charging me 75 % interest out of {$100.00}.  Almost everything was going for interest and nothing to the principal. After  XX/XX/XXXX  I made payments total a bout 1000.00 dolla rs and almost everything went to the interest.   I did not get a couple of statements. I called the up at end of  XX/XX/XXXX . I told them I am not in penalty. never. I always paid on time or called. Some one it sealing there money or scraping the  pot. ( so  to speak, Because all that money I paid has gone to interest and not the principal. I did spend a little on the card but I Paid over {$100.00} every time or more.   They never sent me statements I have few, but they are lying and fudging numbers.   I never got anymore statements. I paid twice this last month, {$100.00}. I paid card to get it out of hock. Then they only credited me Like {$72.00} -- This is not rig ht,    XXXX   XXXX   XXXX   XXXX   I have bank statements to prove payments.  XXXX   XXXX
On XX/XX/XXXX I had to cancel my XXXX XXXX XXXX Credit Card because this company started charging late fees, stating that I had not paid my payment on time, however, I had always paid this bill on the same time period since I had the card since XXXX, then I had to start paying card by sending certified mail. This did not end charges, so I discontinued my card. I did send letter of complaint to company regarding these mistakes, and they did refund my late charges. Now, however, on my XX/XX/XXXX statement they raised my interest rate from 11.99 % to 12.24 % with no prior warning, so I missed this increase on this statement. On my XX/XX/XXXX statement I caught the interest rate increase. Called XXXX  XXXX XXXX XXXX and spoke to customer rep who stated that they were allowed to increase my interest rate. I told rep I thought this may be illegal, as I could not understand how interest rate could be charged at different amount than what you paid at time you purchased the item in the past. This card is closed, and I have not used this card since XXXX. I am paying this card off and have never missed any payments on this card. Should my interest rate still be 11.99 %?