WillisBack/dataset-financial-user-claim huggingface dataset:
Discover, Discover Card, Discover credit, Discover Credit card, Discover personal loans, Discover home loans has along history of preying on people. And now it seems that the are preying on seniors and disable veterans. A few of the Federal court ruling against Discover for consumer fraud!
The Discover Fake Credit Card Agreement Class Action Lawsuit is XXXX XXXX v. Discover Bank, Case No. XXXX, in the in the Supreme Court of the State of New York , County of XXXX XXXX. The Discover FCRA Class Action Lawsuit is XXXX XXXX v. Discover Bank, et. al., Case No. XXXX, in the U.S. District Court for the XXXX XXXX of Wisconsin . XXXX XXXX XXXX has reached a {$10.00} XXXX class action lawsuit settlement over allegations it duped its customers into signing up for the fee-based products : Discover Payment Protection ( formerly known as Discover AccountGuard ), Identity Theft Protection ( formerly known as Profile Protect ), Wallet Protection ( formerly known as The Register ), and Credit Score Tracker. As a result, consumers who were enrolled in one of these products between XX/XX/XXXX and XX/XX/XXXX may be eligible to receive up to {$30.00} from the Discover product class action settlement. XXXX XXXX XXXX has reached a class action settlement over allegations that it used an automated telephone dialing system and/or an artificial or prerecorded voice to place non-emergency telephone calls to a cellular telephone in violation of the Telephone Consumer Protection Act ( TCPA ). If you received an automated call from XXXX XXXX XXXX or any related parties between XX/XX/XXXX and XX/XX/XXXX, you may be eligible to receive financial compensation. A lawsuit has been filed against financial giant Discover, alleging that the company called more than a hundred times to try and collect someone elses debt. The phone call lawsuit claims that Discovers actions violate federal laws detailed in the Telephone Consumer Protection Act ( TCPA ) designed to protect the public from harassment Law360, New York ( XX/XX/XXXX, XXXX XXXX EST ) -- Discover Bank and law firm XXXX XXXX XXXX XXXX XXXX were hit with a proposed class action in Pennsylvania federal court Friday that accuses them of trying to collect on credit card debt without proper evidence. According to the suit, filed by customer XXXX XXXX XXXX XXXX, XXXX, Del.-based Discover, its subsidiary XXXX XXXX XXXX and XXXX-based XXXX, which serves as a debt collector for Discover, have engaged in an illegal and deceptive scheme to collect credit card debt from customers, using false information to back their claims. In Michigan state court there are over 6 cases against Discover and in XXXX county courts over 20!
I have several inquiries on my report from  XXXX   XXXX   XXXX    XXXX   and from  XXXX   XXXX . I contacted  XXXX   XXXX    XXXX   @  XXXX  and spoke with  XXXX  employee #  XXXX  and he was unable to find any applications for me, and he even checked the archives. I contacted  XXXX   XXXX  and they are going to be sending something to have the inquiries removed, but they told me to contact creditor to see about getting them removed sooner. Here are the inquiries :  XXXX   Inquiry  :   XX/XX/XXXX     XXXX   Inquiry :   XX/XX/XXXX    XX/XX/XXXX  Inquiry :   XX/XX/XXXX     XXXX   Inquiry :   XX/XX/XXXX    XXXX  Inquiry :  XX/XX/XXXX    XXXX  Inquiry :  XX/XX/XXXX    XXXX   XXXX    XXXX   Inquiry :   XX/XX/XXXX  ,   XX/XX/XXXX  ,   XX/XX/XXXX  ,   XX/XX/XXXX  , XX/XX/XXXX ,   XX/XX/XXXX  . Please remove all of these inquiries because they do not belong to me, and were not authorized by me.
Auto lease matured in XXXX XXXX and I extended for 6 months. Since the inception of the auto lease, I had automatic deductions made by Acura Financing with no problems. In XXXX XXXX, I extended the lease for another 6 months. In XXXX XXXX, I noticed that Acura Financing did not take out the payment for XXXX XXXX, XXXX and I contacted them on XXXX XXXX, XXXX and they told me I had to sign an extension form and fax and auto payment would resume, which I did. I manually paid XXXX payment on XXXX XXXX, XXXX. Yesterday, I received a call from Acura Financing that XXXX and XXXX payments were not made. I went onto my bank site and determined that was correct, payment was not made. I asked XXXX XXXX why they did not resume auto payments after my discussion on XXXX XXXX, XXXX. The representative from Acura Financing could not explain and read the notes from my previous conversations with Acura Financing ( when I was less then 30 days delinquent ) and could not explain why payments did not resume, especially since this issue did not occur on my first extension AND I called Acura Financing to rectify the issue in XXXX XXXX ( which was not done ). Acura Financing has my email address and I 'm not certain why they did n't email me immediately when the payment was not made. Having auto payments for 4 years stop with no notification from Acura AND for Acura not to notify me of an issue is not acceptable. I have checked my credit reports and they all show that I paid 48 months without incident and that effective XXXX XXXX my account is greater than 30 days past due. The non-payment is due to Acura 's error AND having my email address, I would expect when I am one day late, that I receive an email from them. 
Please also note that I have not had use of my car because of the XXXX airbag recall and Acura supplied me with a stripped down Jeep Patriot rental in lieu of my Acura RDX - so that is further insult to injury. I 'm leasing an Acura RDX, but driving a Jeep Patriot. Something is not right here.
I learned over 10 years ago that the Bush Administration passed a law that would allow those with outstanding loan debt forgiveness if they worked int he XXXX XXXX. For ten years I diligently paid my monthly bill so that I would have a blemish on my record. When I hit 10 years I applied to have my loan forgiven. I completed all of the necessary paperwork, provided work history, had my loan transferred from the third party vendor back to the DOE. To my surprise, after my loan was transferred I learned that I was not eligible because i had been on the wrong payment plan for 10 years. Why would a payment plan make a difference? I paid regularly, I worked in the XXXX XXXX, declined job offers from the private sector just waiting for the day that my dedication to XXXX XXXX would assist in the hefty weight of these loans.

Once I discovered that I was ineligible I emailed my representatives in Washington. Not one responded to my particular issue. I got a curt, pre-populated response from one and no response from my senator.

In my opinion the way that this was rolled out and so poorly represented to the public is fraudulent. Not once did my lender inform me of repayment options. When I graduated with my XXXX  's I consolidated my loans because that is what seemed to make the most sense at that time. There was no education about repayment plans and repercussions of not choosing the right ones. There was no re-education once this bill was passed outlining the need to amend my payment plan to ensure eligibility.

Again, fraudulent, frustrating and a let down.
There is a bankruptcy reporting on my XXXX and my experian credit reports. It shoud not be on my report.
Good afternoon, I have received notifications ; via phone on XXXX/XXXX/2015 @ XXXX your collection agency left a voicemail violating federal laws ( FDCPA ) I called back to see why are they disclosing information over a voicemail. 

When calling back @ XXXX XXXX I spoke with XXXX in XXXX office, he started to give me my personal information like, address, last XXXX of social ( I did not he did, without even verifying who he was speaking with ) He then stated that I need to be transfer to XXXX XXXX, he then started to informed me that it was for XXXX XXXX and the amount I was due for. 

Again collecting and violating federal laws ( FDCPA ) he failed to mini-miranda me before disclosing the reason of the call. 

I then asked to speak with the supervisor ( XXXX XXXX ) to have my account closed out at a {$0.00} balance due to many federal laws being violated to the consumer.
Sent letter in  XXXX  for goodwill adjustment for the following periods :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  this request was denied.   I followed up and sent in a second letter via fax on  XXXX   XXXX ,  XXXX  to request that the delinquent status be removed since due to being granted retroactive forbearance is now being inaccurately reported as being late when. I received a phone call from their  Consumer Advocate center and they stated that they do not have to update what they consider correct information at that time period. Yet Navient refuses to correct and update this information standing behind thei r policies.
The Chase credit card online portal has been down for weeks without notice or explanation. As a result, customers are unable to pay their monthly balance and Chase is collecting large amounts of late payments. 

XXXX
XXXX XXXX Visa Prepaid card.I can not withdraw my funds.I called customer service on XXXX XXXX to get answers on why funds are on Hold.They keep telling me each day that I have to call back for a update.I have fax and e-mail all the documents but still get the same answer -- '' This is being sent to the another dept because my account was suspened ... I am XXXX XXXX XXXX and I live on my own.
Today XX/XX/2018 I received a letter from XXXX XXXX XXXX demanding that I pay a fraudulent " balance due '' of {$310.00}. The letter references an acct No. XXXX and is addressed to me at my home address. I have never gotten any loan nor had any contact or dealings with XXXX XXXX XXXX or any other outfit for a loan of any kind. This is fraud. 
When I called the Customer Assistance dept and spoke to XXXX, the first thing he demanded of me was my SSA # and my Date of Birth : the very things a thief would use to make a fraudulent claim! He said that he " could not find me in the system '' under my name and the Account number above. He admitted that his company had generated the letter, but said he could not help me at all unless I gave him a bunch of personal financial information as noted. Then he transferred me to his Supervisor, XXXX XXXX, who repeated exactly the same thing.
In XX/XX/2017, I was seeking a personal installment loan to consolidate debt. My credit isn't the best, so I was anticipating higher interest rates. OneMain Financial informed me that my Annual Percentage Rate ( APR ) on my installment loan would be 35 %. I was told that I could repay this loan for up to 5 years at {$320.00} per month. The principal amount was {$8900.00}, so I was anticipating paying over {$3000.00} in interest annually on the principal balance of the loan. What I was not notified of is that 1. ) The 35 % interest is accrued MONTHLY on the capital amount and amortized daily. So that over {$220.00} of my {$320.00} payment would go strictly to interest, leaving my capital balance essentially unchanged. I was also NOT notified that, 2. )  My total repayment would be over {$18000.00} or 118 % of the principal amount. This was NOT my comprehension of the terms when I entered into the agreement. I feel misled and held hostage. I have made XXXX timely monthly payments of {$320.00} to date and I still owe over {$7000.00} on this loan. In order for me to pay off OneMain, I will have to pay around {$850.00} per month for the next 12 months after previously paying nearly {$8000.00} already. This is NOT 35 % APR. I believe this is a blatant violation of Truth in Lending as well as predatory lending.
Payoff was made by bank in XXXX 2011. Original creditor did not credit to account until XXXX 2011, and assessed back interest and fees. Debt collection agency has been sent documentation on two different occasions and has just now sent statements- over a year after contact. This debt has been paid, and needs to be reflected as such.
I have had the same  XXXX  student loans reporting on all  XXXX  credit reports since  XXXX , but as of  XX/XX/XXXX  my  XXXX  credit report is showing my loans twice.   I am in the process of consolidating my student loans with   XXXX   XXXX  , but they have not made any moves on the consolidation as of today, so these duplicates decided to just show up out of nowhere doubling my number of negative accounts and dropping  my credit score ( FICO  )  XXXX  points!!   I can not do another dispute with  XXXX  due to an open dispute with them in regards to a cellular phone bill that was opened by someone else in my name without my consent.   I have been working very hard trying to repair my credit and to seen this drop in my  credit score was dishearteni ng.  <P/> I need to have these " evil twins '' removed from my report ASAP.  <P/> Thank you.
I received a letter from XXXX XXXX on XX/XX/XXXX stating the XXXX was trying to collect a debt of {$440.00} from me. I called Convergent within 30 days of getting the letter, they said they put in a dispute for me since I strongly believed I owed the money. I did not hear anything, nor did I receive anything in the mail. On XX/XX/XXXX I went down to the XXXX store on XXXX XXXX to see if I could get this resolved there, XXXX was helping me. He stated that he could not see anything on my account, only that I owed {$440.00} but could not see what it was for. He called XXXX XXXX and was on the phone with them for about 20-25 mins trying to help me get this resolved. XXXX stated that they could not see anything either as to what the debt was for. He gave me a phone number to call XXXX XXXX at XXXXand stated I had to deal with them. I called as soon as I left the XXXX store, the number he gave me is for Convergent. So I was confused as to why I got their number, but anyways, I was talking with XXXX XXXX on that same day, XX/XX/XXXX, he can not see what the debt is for, just the amount. He put a dispute in for me again. I asked if I needed to submit something in writing to them, he stated no. He told me to call back and 30 days to see what the status is and to check the account. It has not been 30 days but I feel this has been too long already. I would like this resolved.
This " reporting agency '' does not do what is in the best interests of the consumer. XXXX XXXX did 3 hard inquiries that were unauthorized. I reported this immediately to all three credit bureaus, the Attorney general and the FTC. I even had to file a complaint against this scam company to the CFPB ( Complaint ID : XXXX-XXXX ). Nevertheless, they will not remove these hard inquiries from my credit report citing that people are allowed to pull inquiries whether its authorized or not specifically authorized. If this is the case, then these inquiries should not affect a persons credit score and reflect negatively on a credit report. When I call the credit bureaus, they do not remedy the problems. When I write the credit bureaus, they do not remedy the problems. Who has the best interests of the consumer? I did not authorize the hard inquiries from this scam broker and if the credit bureaus had investigated my complaint like they said they did, there would be NO evidence to support their inquiry into my credit and the inquiries would had to have been removed. A quick XXXX search will show how crooked and shady this person is. XXXX XXXX of XXXX XXXX XXXX was not authorized to pull any inquiries on my behalf. He has refused to respond to the CFPB, FTC, and Attorney General regarding my complaints against him and his company. Why do the credit bureaus continue to mislead consumers with regards to their investigative practices? They never investigate anything until an official complaint is launched against them.
I did a dispute two weeks ago as well as last week regarding creditor XXXX XXXX advising that the status was showing to be under the incorrect status of ''Open '' and not closed. I received the update to my credit report on XXXX/XXXX/16, but since then the credit reporting agency has placed this account back on my credit report as of XXXX/XXXX/16 & XXXX/XXXX/16 as open. This account should reflect in the paid status as before listed on the attachment stating ''Equifax report XXXX on XXXX/XXXX/16. This has caused several plummets to my credit-score due to this account looks like the account is still open and active I have attached the credit report for XXXX/XXXX/16 showing the now ''incorrect status '' and the XXXX/XXXX/16 report showing what the report was and should be for this creditor and appearing incorrectly now. I have also attached a phone conversation between myself and equifax management advising me on XXXX/XXXX/16 that this matter had been completed but it has not been completed and report is showing updated with the same information as before.
Provided company with police report dated back in 2016. Also made credit bureaus aware of the fraudulent account yet it still appears on my Equifax credit file
XXXX XXXX Former Address : XXXX XXXX XXXX XXXX XXXX XXXX FLORIDA XXXX I have never lived at this address nor does anyone else. This address belongs to a Drs Office Complex. I have called and complained and was told it would be corrected for over a year now ... and here it still sits. I spoke to them on the phone, corrected this on the phone BUT they want ME to send proof of where I live! I told them to send a letter to THAT address ( which is much easier for me ) and to see that it WILL come back to the sender! OR send me a SELF ADDRESSED STAMPED envelope to me! I'm getting really upset that this hasn't been taken care of in over a year!!
I do not owe this debit, I requested written validation of debit from the company and received no information.

Collection accounts was added to my credit bureau only as an attempt of intimidation and with out any notification of claimed debit as a aggressive tactics to pay a debit that is not mine.

I was notifified by my alert system Of collections 3 weeks ago In the amounts {$1200.00}, {$120.00} and other {$120.00}
In XX/XX/2017 Ally financial is reporting late payments to the credit bureau. Payment has never been late. Always make payments on time ever month. Customers is reporting inaccurate payment history.
Beginning XXXX XXXX, 2015 I began reporting this charge on my account : Pending-POS Debit - XXXX Check Card XXXX XXXX XXXX XXXX - {$9.00}. Each time I followed the instructions of Navy Federal Credit Union ( NFCU ) representatives ; which was to submit a report of a fraudulent charge and cancel my debit card. Since my initial complaint, I have cancelled XXXX ( XXXX ) debit cards and yet this charge continues to appear on my account monthly. Moreover, there has been no resolution presented by NFCU other than to continue to cancel debit card after debit card and since this is a recurring problem cancelling my debit card has brought no resolution. Matter of fact, the number of cards I 've cancelled and have had reissued has caused a hardship for me with other ( authorized ) creditors. I have asked over and over for a way to block this charge from being charged to my account, to no avail. The latest representative recommended that I contact the vendor, who is unknown to me and I explained as much to the representative but it fell on deaf ears. I am frustrated and out of options of how to end this recurring unauthorized charge from my account.
I paid off the balance of my XXXX XXXX card issued by the Bank of America on XXXX/XXXX/2016 ( mailing date ). The amount paid was the total balance and it was paid prior to the due date on the bill. I sent the payment via USPS Priority Mail to ensure it arrived quickly. On XXXX XXXX, 2016 I received another billing statement from Bank of America indicating that I owed {$73.00} for interest charges. On XXXX XXXX, 2016, I mailed a letter via USPS Priority Mail to the Bank of America indicating that I was disputing the {$73.00} amount showing as owed to them. I paid {$78.00} to the Bank of America on XXXX/XXXX/2016 to close out the account. On XXXX/XXXX/2016, I received another billing statement from the Bank of America indicating that I owed them $ XXXX XXXX/XXXX/2016 at XXXX ( Eastern Time ) , I called Bank of America and spoke with XXXX XXXX regarding my dispute of the billing statements. She assured me that Bank of America would issue a credit for {$3.00} and send me a letter acknowledging that the account was now closed. To date, I have not received such a letter and I continue to receive billing statements.
I had a Citi XXXX card. In XXXX, I charged a total of {$9900.00} dollars to this card. This would normally pay out XXXX in cash back rewards. Citi chose to close my card for no reason. In fact, they sent me a letter effectively saying they have no reason - they 're just choosing to invoke their clause to close my account. 
But, they are refusing to pay my rewards. They are effectively stealing money. I mean, let 's look past the fact that they are closing my account down for no reason - as they noted, if they do n't want to do business with me - fine. I chose this card over other cards that did not choose me down. Citi profited on swipe fees with my account. Now, they are stealing the rewards they chose not to pay. This is deceptive and borderline criminal.
Claim Numbers : XXXX XXXX XXXX XXXX Although my mailing address XX/XX/XXXX, was : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, New York XXXX, I resided at : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, New York XXXX. 

XXXX XXXX of XXXX XXXX and XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, New York XXXX XXXX , New York XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX , New York XXXX XXXX and XXXX XXXXXXXXXXXX, stole my business debit card on or about XX/XX/XXXX or XX/XX/XXXX. They are family members of my ex-girlfriend and were aware of my home being raided by the police, the arrest of my ex-girlfriend and I, nobody caring for our home nor personal effects as of XX/XX/XXXX. Thereby feeling safe in illegally gaining entry into my then home to burglarize it. I was XXXX from XX/XX/XXXX, at XXXX until XX/XX/XXXX, continuously and did not verbally or otherwise authorize the possession nor use of my bank accounts in any manner whatsoever. See enclosed XXXX. XXXX documents. This fraudulent activity was reported to Bank of America by me via mail which was never responded to in or about XX/XX/XXXX, and to a Bank of America representative in XXXX XXXX, New York by my Power of Attorney XXXX XXXX on XX/XX/XXXX, both times within sixty days of its occurrence, but the representatives failed or refused to do anything/make a proper note of it for addressing or reference by the appropriate personnel. An internal complaint has been filed against the XXXX representative as well ( Reference # XXXX ). See also : Federal Trade Commission Identity Theft Complaint Reference # XXXX, XXXX. Complaint Report # XXXX which Detective XXXX XXXX, XXXX or XXXX, is investigating, XXXX.Case Number XXXX which identity theft and fraud investigator XXXX, XXXX, is investigating, and Bank of America 's credit department also granted my claims surrounding the other fraudulent crimes I have been a victim of by the same above mentioned individuals. 
I have contacted numerous Bank of America Associates and Supervisors whom have failed or refused to properly investigate this matter for its proper resolution. For they have not even contacted me requesting any documentation in support of my claims or otherwise so as to conduct an in depth inquiry. Instead they have continued to deny my claims summarily. This despite the fact that my Bank Account could not have been closed by any third party without any Power Of Attorney irregardless if they do not have it on file through some obvious error of theirs. Therefore making it evident that they were in fact on timely notice of the fraudulent activity but failed to act through their own ineptitude. It should also be noted that my Debit card had a photo of me on it as a security feature but such was not used for my protection when fraudulently used. 
Your time and help in the proper resolution of this matter will be greatly appreciated. 
Cordially, XXXX XXXX