WillisBack/dataset-financial-user-claim huggingface dataset:
Last year, XXXX XXXX company sent me a reservation pre-approved card number to apply for, by asking me to provide my SSN and bank checking account number for processing which I did. Later to know that {$300.00} was taken from my XXXX XXXX checking account by XXXX Bank without my concern. I did n't receive any credit card from them or open an account with them so I quickly called on my Bank to dispute that payment and it was refunded. Now that I have received a credit card from XXXX XXXX Bank, just recently and I have realized that there were some XXXX inquiries that affected my credit score, when I traced the source it has been revealed that I have opened an account with XXXX and has been closed, which to me I did n't because XXXX did not issue any credit card to me with their credit limit, therefore, I am disputing those XXXX information because it is inappropriate and irrelevant to my credit report. I once again plea for a dispute for the removal of that credit report. Thanks for your kind consideration.
I saw a credit, from a merchant XXXX dated, XX/XX/XXXX for {$16.00} on my visa card activity history ( Visa card issued by PNC Bank ). I called the PNC VISA customer service, the rep said that VISA USA under the agreement with various merchants provide the credit card info to third party merchants for a fee. Go talk to them, reached the VISA USA at XXXX. XXXX the rep at VISA said, if the merchant says, that I have a recurring auto debit agreement or SOMETHING LIKE THAT ( nothing specific ), The VISA USA in conjunction of banking institution, in this case PNC bank will give MY PERSONAL FINANCIAL INFORMATION TO THE MERCHANT for a fee.

So Visa says, burden of proof is upon merchant to provide unimpeachable documentation that I have given them consent to get my financial information from VISA and THE BANK. Apparently, I can close my account with merchant, terminate all agreements but VISA USA/PNC will give Visa/Financial ; information of mine to merchant just becausethey asked for it. Visa USA conferenced in the PNC bank representative. The Bank said, THEY WILL GIVE MY FINANCIAL INFORMATION, away, to Business partners and affiliates. Based upon this ambiguous hearsay, all of sudden, PNC bnak is an Affiliate to XXXX water delivery, and without my knowledge, or consent give my informatrion to the merchants that pay a fee for the list of their customers account info. Please audit the PNC bank records to see, how many Accounts and related information is being sold to these merchants with flimsiest allegation that customer consented. {$10000.00} fine for each instance when the info was sold on closed merchant accounts, should teach PNC a very good lesson. DISCLOSE to customers, who you are selling the info to and when. I appreciate your kind help.
I was approved for a forbearance. My loan servicer approved the request but still reported me as having late payments despite my forbearance approval. I was told that I would not have late reporting during my forbearance. 

The forbearance had a start date of XX/XX/XXXX and an end date of XX/XX/XXXX with a payment due date ofXX/XX/XXXX. 

I have since consolidated this loan and changed loan companies and this company has been paid in full, yet they still are reporting this incorrect information
I 've had contact with Capital One Bank regarding charges being charged to my account that I disputed for day one. Capital One contacted me and informed me that a request to XXXX XXXX disputing the charges were submitted but XXXX advised them that the charge was correct. I disputed the fact that the charge was being paid in bankruptcy not that I was not aware of the charge. Capital One is now saying they can not request the funds back to be credit to my account. This dispute has been going on for two year with no results or support for Capital One. My credit card had a credit limit of XXXX how could a charge for XXXX be approved and when dispute the fact that the charges are being paid in bankruptcy, Capital One refuse to handle the dispute even when they agreed on receiving proof that the charge from XXXX is being paid in Chapter XXXX Bankruptcy. Capital One continues to allow a charge that is over my credit limit remain on my account although they agreed they have proof that the charge is being paid in Bankruptcy. Capital One is reporting false information on my credit report and approving a charge over my credit limit that I dispute.
See Complaints XXXX & XXXX. This complaint is added on. I reiterate, my wages are getting garnished at $ XXXX/pay period $ XXXX/month. This is not my loan. 
Secondly, This is on the Department of Labor Website for California : The most that the Department of Education can garnish for a student loan is 15 % of your disposable income, but not more than 30 times the minimum wage. The garnishment paperwork states up to 25 % The minimum wage in California as

of XX/XX/2018, is $ XXXX/hr, 30 times XXXX is {$330.00}, i am losing $ XXXX/pay period. Not sure if the 15 % is per pay period or per month. I need help immediately.

I am submitting a Loan Discharge Application for False Certification to the US Department of Education.
I am a frequent XXXX customer and a relative high credit card user. I received a promotional offer via email in XX/XX/XXXX to sign up for a XXXX American Express credit card. The promotion stated that I would receive XXXX bonus points and XXXX XXXX if I spent {$3000.00} within the first three months. I spent the required {$3000.00} within 2 weeks of receiving the card and I called XXXX twice in XXXX to inquire about when I would receive the promotional points. Both times that I called, I was told that XXXX would have have to look into why my points had not posted. I called again today, XX/XX/XXXX, and was told that an investigation had taken place after my previous calls and it was determined on XX/XX/XXXX that I was ineligible to receive the promotion because I had the credit card back in XX/XX/XXXX. Not only do I do not remember having this card, but I was shocked at how rude and disrespectful the customer service rep was being on the phone. I do n't understand why I would receive a targeted promotional offer for a credit card I was ineligible to receive the advertised promotion. To make matters worse, XXXX should have contacted me once they determined I was ineligible. I would not have continued to purchase items with that credit had I known I was ineligible. Now I have spent over {$5000.00} on this card and missed out on points with other cards that I would have used if XXXX XXXX had not been deceptive and misleading in their targeted offer. I am writing because I do n't want anyone else to have the same negative experience that I have had. Please let me know if you need any additional information from me.
This is the third complaint on the same company that I have made to you. Ocwen Loan Servicing is as crooked as they come. First, after forced insurance on what is now a condemned property, my interest fee magically jumped from the XXXX range in XX/XX/XXXX to over XXXX in XX/XX/XXXX, statements a mess with " hidden '' charges the total figure does not match my interest rate, and modification requests constantly denied. In XX/XX/XXXX my property suffered a catastrophic insurance claim, and it has been an uphill fight to get those funds from Ocwen to repair the property the claim was over XXXX and they are still sitting on XXXX and will not release it now 2 years later after repeatedly providing them what they needed .... Now the City is going to tear down the property because I do not have funds to adequately repair it. So not living in this place for over two years because of the funds tied up, and a contractor mis-appropriating XXXX of it. I now stopped paying the mortgage because Ocwen keeps playing stupid on the financial status of everything, and the remaining insurance funding they are sitting on. Six different instance I was told there is n't any money in escrow for the repairs. Over nine times I was told they have no records of repair inspections completed on the property and therefore are sitting on money but they would n't say how much. Twelve times I was told they would have answers on my account which is what they called red flagged within 7-14 days ... .three months later nothing. There are hundreds of complaints online similar to mine about Ocwen and these corrupt practices, preying on distressed homeowners. I single-handedly was raising my daughter here, fought tooth an nail for the place with Litton Loan Servicing previously preying on us, only to be transferred to the vultures at Ocwen Loan Servicing. They are hiding funding, and playing stupid about everything going on with my account. I can not get an accurate statement in writing on anything. They are making out like bandits on this.
I recently saw an article about how the CFPB fined the XXXX major Credit Bureaus. The article encouraged consumers file complaints if they have any. 
I am writing this letter to file a complaint against XXXX regarding a request I made to investigate my consumer file. I believe that my Identity has been stolen because I am having a lot of issues retrieving any Credit information such has Credit Reports and Credit Score from all XXXX Credit Bureaus. 
When companies are processing my applications for a credit card or a loan they are informing me that no credit history exist for me or that I have delinquent accounts. When I log into XXXX XXXX a message appears that my credit information does not exist and that I have to mail or fax in copies of documents so that they can review it. I have submitted copies of the following documents ( Birth Certificate, Social Security Card, Birth Certificate, Florida Driver 's License, XXXX Statement ) to XXXX and to XXXX numerous times for their review and to this day still no response. 
XX/XX/2015 I was approved for a Car Loan and purchased a car which I have been faithfully paying on time. I also was approved for a XXXX XXXX and been faithfully paying that account on time as well. By now having those XXXX accounts should have helped restore my credit history and generate a Credit or FICO score for me.
On the day of XX/XX/XXXX I received my regular check from my employer which it was the amount of XXXX. I later on mobile deposited onto my account and left the check in my purse for several months. on XX/XX/XXXX I went shopping at XXXX and someone stole my XXXX XXXX  purse which contained my work checks from my employer. I was lucky to have my wallet on hand while my purse was on the shopping cart. unfortunally I turned around for a sec and the purse was gone with my personal belongings, phone and checks that where by digital deposit into my account. days passed and on XX/XX/XXXX my employer came up to me and asked if I re cashed a check from XX/XX/XXXX for the reason that XXXX was deducted from her business account. I later realized that the same check I mobile deposit on XX/XX/XXXX was re cashed on XX/XX/XXXX and of course my employer went to her bank and filed a fraud complaint regarding the stolen money. A week had passed and I log into my account and I realized that I was XXXX less which I was confused and of course called my bank immediately and my bank had said they took that money and put it back to my employers account which is XXXX XXXX XXXX. I was furious because now my account is being affected due to this money being less. I went to my employer to let them know money was taken out of my account and they rushed into their bank to talk to a XXXX XXXX XXXX manager to let them know that the check that was cashed on XX/XX/XXXX was thef. I called my bank several times and they could n't do anything for me they stated that the check was cashed on Santander Bank and suggested for me to go and talk to them regarding my problem. I did go and explain my situation and said they could n't do anything for me. I went to XXXX XXXX XXXX ( where the check is originally from ) I explained that fraud claim was made and I wanted answer, they could n't give them to me. So basically a check with my name was disputed/cashed in Santander bank without my Identification or knowledge. I need answers and of course my money back. XXXX XXXX XXXX did n't look into investigating bank Santander where the check was disputed and they went after my account to take the money out. I need answer I have a police report as well and when my employer went to do the fraud complaint she took the police report to show it is thef.
XX/XX/XXXX contacted TD Bank XXXX card service to have a balance transfer of {$10000.00} to my XXXX XXXX  XXXX XXXX XXXX XXXX. 
JXX/XX/XXXX the {$10000.00} balance transfer posted to my XXXX XXXX as {$10000.00} payment received. 
XX/XX/XXXX my XXXX XXXX XXXX was debited {$10000.00} and it was noted as stop payment. 
I immediately contacted TD Bank XXXX Card service. they claim that they never issued a stop payment on the {$10000.00} check. 
I contacted XXXX bank card services and they claim that TD had stopped payment. 
I spoke to supervisors at TD XXXX card services. they sent me letters and a copy of the check cashed by XXXX Bank card service. 
I wrote several letters to XXXX XXXX both the VP customer service and the office of the president of XXXX service. I included all correspondence and a copy of the {$10000.00} check they had cashed. 
I was contacted by XXXX XXXX from the office if the president of XXXX. ( XXXX ex. XXXX. I spoke to her giving her all the above details she told me she would look it and get back to me. I heard from her with in five days. NO solution she told me what I already knew that TD had put a stop on the check. 
I questioned her as to why on the back of the check was a stamp indicating XXXX XXXX bank was involved. They are our payment processing bank. I asked had she gone to XXXX XXXX no was the answer I received. 
TD bank XXXX card service and XXXX service XXXX XXXX both of these bank credit card services claim it is the fault of the other. 
I now owe TD XXXX {$10000.00} and that amount was never applied to my XXXX XXXX XXXX from XXXX XXXX. 
I paid {$400.00} transfer fee to XXXX XXXX. Where is the {$10000.00}. 


























4
I have disputed XXXX XXXX XXXX  with Experian and they have simply stated it is accurate without conducting a proper investigation under FCRA requirements. There is a 4 year statue of limitations in Florida and a 7 year from first date of delinquency reporting max per FCRA. This credit bureau ( Experian ) is allowing inaccurate, incomplete and erroneous information to show on my credit report. The XX/XX/2018 credit disputed for Experian show the payment history is incorrect. If you look at the payment history, you can see it is impossible for payment to be like that. They say the account is charged of but still have a balanced. I dispute the date account open and the payment history. They refuse to delete a charge off from a company. I've disputed this account many times and they refuse to delete this account that is just parked there without reporting or sending me any original signed contract that Ive signed. to provide me with the METHOD of Verification of their investigation. I have demanded to see verifiable proof ( original signed contract with my signature on it ) of all negative accounts being reported on my credit file.
Central Financial Control and XXXX XXXX XXXX XXXX XXXX refuse to acknowledge that payment in full was made and deposited into XXXX account on XXXX/XXXX/2015, and to remove their collection notice from my credit bureau reports. I have called CFC to explain this several times, and I have faxed the information to them twice, most recently over 3 weeks ago. 

XXXX refuses to discuss accounts which have been sent to CFC for collection, which makes it impossible for me to explain to them that they have already accepted payment in full.
In a recent pull of my credit reports from the credit bureaus my Mortgage with USBank does not show up at all. Since I was in good standing with my mortgage this should show up with no late payments. When I made the complaint here about USBank not reporting the correct information within months all information disappeared of the credit bureaus.
Carrington Mortgage has lost my XX/XX/XXXX & XX/XX/XXXX payments. it has been 47 days and they still can not find the monies. They have sent me a Right to Foreclose letter, even though they received both payments on time. I have sent in verification of payments, my bank has sent in verification of payment, i have faxed in checking statements, spoken to multiple people and still no resolution. The loan was refinanced by them XX/XX/XXXX - I have provided both the old and new loan numbers and they still can not find my payments. I can not get any Supervisors to return my phone calls and the Escalated Payment Resolution representative will not return any of my emails. I will mention XX/XX/XXXX when I refinanced my loan for a lower rate, I did not realize they provided me a new loan number. That being said, the XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments were all processed correctly. They can not tell me why beginning with the XX/XX/XXXX payment the issue began. The level of customer service and communication is deplorable. I work at a bank myself in the loan department and not once have I seen it take this long to find a missing payment - nonetheless XXXX missing payments.
I closed on my home on XX/XX/2017. Thus far I have had no trouble making payments or keeping up. However my loan was sold for its original holder to loan care its current servicer. This is a normal practice of course. What I am upset about is, when I paid my loan in XX/XX/XXXX, I was charged a XXXX dollar late fee for paying on the XX/XX/XXXX. According XXXX XXXX regulations, a servicer is not allowed to charge a late fee to the borrower until after the 15th day. I have tried call them many times to resolve the issue, but just ended up hanging up, because the hold times for an operator is over 1 hour.
Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. My credit score had suffered from this glitch. No notice was ever given which is a violation and I am requesting that ALL inquiries be removed : Datafacts - XXXX 2016 Datafacts - XXXX 2016 Datafacts - XXXX 2016
XXXX XXXX credit card Open XX/XX/2018 Its not reporting on my credit report For all three credit companies Plus my users on they report
In my credit report I see a collection of {$230.00} from PARAGON REVENUE GROUP, XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX. 

Original Creditor - XXXX XXXX XXXX UNIVERSITY This debt is not mine. I never received or authorize any medical service from XXXX XXXX XXXX UNIVERSITY in 2013.
I have o n 2 sep arate occasions tried to resolve a collection account being reported by this company. I do not know where this account originated from. After recently obtaining my credit report I noticed this account. I am unaware of any terms or conditions regarding this account. I have requested that this company provide me with a contract or any documentation bearing my signature that will show what I agreed to and if so when. Both of my attempts have been ignored. I called that did n't go well I sent a certified letter before waited the 30 days still no response called again and told me it takes time. After the allotted time went past again I sent another request to date I still have not received a response and the 15 day time frame has passed.
Hi! PayPal Credit is engaging in misleading and predatory practices. In paying for an ebay purchase, I inadvertently and somehow signed up for PayPal Credit on a " Promotional Financing '' offer. Rather than using my checking acct. via debit card, which is what I had checked, PayPal used credit on the first " sign up '', and on several subsequent occasions, despite me checking " PayPal '', not " PayPal Credit ''. PayPal checks, then unchecks my choice of payment, and puts the purchase on credit. I have emailed PayPal with my complaint, and received no response. PayPal 's " Promotional Financing Offer '' is no payment/interest free for 6 mos., then they start charging 19.99 % from date of posting, a few days after purchase, if you do n't pay off the entire balance. This reminds me of the medical " XXXX XXXX '' scam, but at lease medical expenses can be paid. No consumer needs a sneaky credit scam to buy stuff on ebay! Please investigate -- this is just wrong. Thank you.
My wife purchase d 2 {$50 0. 00} Visa Prepaid Gift Cards fro   XXXX   XXXX   XXXX   on  XXXX   XXXX ,   XXXX  , costing a total of {$1000.00 } ( {$5.00}  activation fee per card ). My wife provided the  Visa Prepaid gift ca rds to me, and I registered them under my name and address provided. None of the cards ' information was provided to anyone except for when used to make a payment fo r one of my wi fe 's hospital bills paid on  XXXX   XXXX ,   XXXX  . On  XXXX   XXXX ,   XXXX  , there w ere 3 fraudule nt charges detailed in this report.  Two charged tot alling {$480.00} was charged on prepaid card ending  XXXX .  One char ge of {$250.00} was made on card ending  XXXX . Total fraudulent charges is {$740.00}.      Two charg es were made in the city of  XXXX , CA at a  XXXX   XXXX  on  XXXX / XXXX /  XXXX    XXXX   XXXX   XXXX   XXXX   an d one charge  in the city of  XXXX , CA at a   XXXX   XXXX   on  XXXX / XXXX /  XXXX    XXXX   XXXX   XXXX   XXXX   based on online transaction data provided by   XXXX       Someone had prior knowledge of the account # of the prepaid visa gift card and was able to identify when the card was activated as it only took 2 days from day of activation to fraudulent use.     A current dispute has been file w ith US Bank  who issues these visa prepaid gift cards.     Based on a quick google search, there have been many instances of this happening to people who buy the variable load visa prepaid cards from primarily  XXXX  and other supermarkets. The cards are mostly th e black cards wit h purple gift box pictures on the packaging. BUYER BEWARE.     There is a current dispute with  US Bank, the issuer of the visa prepaid c ard, but due to the large amount fraudulently used, I am reaching out to CFPB to expedite the process as I need access to these funds quickly.
I had requested a mortgage modification to see if the interest rate could be reduced. That was XX/XX/XXXX. I received a packet from XXXX with all the forms that were necessary. The forms were filled out and returned to J.P.Morgan / Chase using the return envelop that was enclosed. Then XX/XX/XXXX I was informed that the information needed was incomplete and had to re send information by their FAX line. This was done within a week. XX/XX/XXXX comes around and another packet of paper work arrived by XXXX. This was third time I had to fill out paperwork for them. Have not heard a word from them.
Credence Resource Management attempted to contact me via telephone and mail. Invoice states that a debt originating from XXXX XXXX under my name was owing. I currently have a XXXX account and contacted XXXX to verify the debt. They have NO record of any debt under my name/SSN/Telephone/Address. I attempted a certified, return receipt letter to Credence Resource Management as directed in the letter to decline ownership of the debt and to request documentation from the originator of the debt. I followed the tracking number and the address given by CRM does not exist ( XXXX XXXX XXXX, XXXX XXXX, XXXX, GA ) under Credence 's business name. I sent and email to file a complaint and request verification of the debt on XXXX XXXX, XXXX I still have not received an answer. I question the legitimacy of this debt and this companies operating tactics.
In early XXXX of XXXX Equifax was victim of a major security breach which I 'm sure the reader of this complaint is very familiar with. Unfortunately I 'm a little inexperienced with the whole credit industry as I 've had enough to deal with trying to further my education and experience. I 'm now a little anxious as to what could happen to my identity in the future. Unfortunately it does n't seem like Equifax is doing much to protect those who may have been affected. I honestly believe that this a big money grab by credit agencies to sell extra protections to those who ca n't handle the anxiety that this breach may bring.