WillisBack/dataset-financial-user-claim huggingface dataset:
I signed up for an Amazon Prime store card ( for amazon.com ). This card is issued by Synchrony Bank. When signing up, I was told as part of the marketing that I can manage my account and pay online. 

When I went to sign up, I ran into multiple issues. First, I was unable to sign up because the online software would not display my phone number as they require multi-factor authentication. After that was resolved over the phone ( They said the issue was that they had my home number and my cell number as the same number ), I tried to continue. I reached the part of the sign-up process where I am to create the account name and password. Despite following the password rules, ( Uppercase, lower case characters and at least XXXX numbers, special characters allowed ), several potential passwords were rejected. Upon raising this issue with the company, they informed me that they only supported XXXX antiquated versions of XXXX XXXX XXXX and XXXX XXXX or XXXX. I do n't have a way to easily downgrade XXXX, and I tried installing XXXX and I experienced even worse issues. 

I find it dishonest and misleading that the bank would advertise online account management and make me jump though hoops to use it. There is no technical reason why this should n't work fine - the browsers and standards that they refuse to support properly are not new and they have had plenty of time to write software that is compatible with them.
I am an educator that went back to school in XXXX to earn additional certification as a teacher. I have paid this loan when I had work. Unfortunately, many school districts have seen cuts of XXXX or more from XXXX. Since XXXX, the situation has become much worse. I have been turned over to a debt collector, Performant, that harassed me with multiple calls daily this fall. They have misrepresented how I could qualify for a loan rehabilitation program by having different reps tell me different things. 
When I asked for them to send me paperwork to do this, this did not arrive until the first week of XXXX even though this request was made just before XXXX. When I called before XXXX, which is what I was told to do if the materials did not arrive, not only did the different reps I talk to always tell me an entirely different story, but one even said in an extremely sarcastic and mean voice that I " need to check my mail ''. This was not helpful and everything else this rep told me was different than the previous reps said. I have been trying to call and speak to the collector identified on a letter ( Dated XXXX/XXXX/XXXX but that I did not get in the mail until the later part of last week ( week of XXXX XXXX ). I can not get a human being to talk to, even though I was told to call promptly when I recieved this information. When I asked to speak to " XXXX XXXX '' ( name on demand letter ) I was immediately transferred to a phone for a woman with the last name of XXXX. I offered to start sending in payments promptly so that I could qualify for a loan rehab program, but all I get is a run-around, paperwork is not promptly sent, it is not possible to get hold of a human being that can tell me accurate and consistent information ( I ca n't get hold of a human being now that I got the letter in my hand ), and I am being denied an opportunity to make payments to qualify for a program that would resolve this issue. This is harassment as I repeatedly find that Performant has no intention of helping me yet they have harassed me with multiple phone calls daily ( before XXXX ), are rude and sarcastic when I talk to them, do not tell me truthful and consistent information, and appear to have no intention of letting me get on top of this problem.
Hello, I opened a credit card with XXXX XXXX last year to help build my credit and apparently, they transferred their credit accounts to XXXXXXXX XXXX XXXX ' in late XX/XX/2017. I made all of my monthly payment online at the XXXX XXXX 's website and when I was attempting to make my payment for XX/XX/2017, the website would not allow me to log in. I was waiting for any correspondence to inform me on how to make payments towards the account. At the time, I had less than {$80.00} to satisfy the account. 

I finally received an email from the new company late last month, stating the account is now in collections. After checking my credit report, I verified they've reported delinquency and the collection status. I don't feel this is the best practice of any financial institution, since up until last month, I have not received any electronic or postal correspondence on how to make payments. 

Thank you for your assistance to resolve this!
I SENT THEM A DEBT VALIDATION LETTER ON XX/XX/2018. THEY ARE UNABLE TO HARD COPY PROOF VALIDATE THE DEBT.
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX , XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX/XXXX  XXXX , XXXX/XXXX XXXX, XXXX XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : 01 XXXX XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : 05 XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : 07 XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX, XXXX/XXXX   XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX , XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX/XXXX XXXX XXXX
This complaint is not a duplicate of any previously filed complaint. It is representative of new violations that have recently occurred. This complaint is filed because XXXX. ( hereafter XXXX. ), as of XX/XX/2017 has violated Section 623 ( 5 ) ( A ) and Section 605 ( c ) ( 1 ) of Fair Credit Reporting Act. WHEREFORE, XXXX and XXXX is asking for a cease and desist order compelling XXXX., XXXX, XXXX, and TransUnion to correct the record. 
1. XXXX., has, ( a ) Re-aged account No. XXXX, previously reported as Acc. No. XXXX, and, ( b ) reported information beyond the 7.5 year statutory period allowed by FCRA, and, ( c ) Failure to report the account as " DISPUTED '' as required by FCRA. 
2. Both the original creditor or a debt collector can not re-age a negative account. No matter how many times a delinquent account is transferred or sold from one debt collector to another, the date of first delinquency should not change. The DOFD ( date of first delinquency ) determines how long a negative account can remain on your credit reports. ( see exhibit-A, -B, -C ) 3. A negative credit item, such as a charge-off can remain on our credit report for 7 years from the date of first delinquency. Any collection agency that may end up with the charged-off account must comply with that same date. 
4. Section 623 ( 5 ) ( A ) says : " In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. '' 5. This means that if a debt collector reports a date of first delinquency to the credit bureaus and the original creditor previously reported it, the dates must be the same date of first delinquency. Any different date constitutes illegal re-aging. 
6. A debt collector re-aging an account can cause serious damage to our credit files. Re-aging would allow the collection account to remain on our credit reports in-perpetuity. This action has been taken because we, XXXX and XXXX believe we are victims of re-aging. 
7. Furthermore, Once an account has been charged off, the date of first delinquency should never change because it starts the clock on the 7-year reporting time period. 
8. In actuality the 7-year reporting period is really 7 years plus 180 days ( 7.5 years ). This is how long a negative item such as a charge-off can remain on a credit report. 
9. A charge-off past the 7.5 year reporting date should not be on our credit reports. This includes any collection account connected to that charge-off account. 
10. Even if XXXX. collection effort began yesterday, XXXX. can attempt to collect the debt if there any, but they are prohibited from reporting the debt past the 7.5 year reporting period. 
11. Furthermore, the account has been disputed. However, the current credit reports for me and my spouse, XXXX does not reflect the dispute.
On XX/XX/2016 I opened a student loan with SOLOMON & SOLOMON PC to attend XXXX XXXX XXXX College. Due to XXXX XXXX and family issues I could not complete my education and needed to drop out. It was in XX/XX/2016 that I moved and the debt collectors did not sent notification to the new address.
Disputed an item on my credit report that is clearly a medical collection account. Account type is listed as a collection account rather than medical ( COL 48 vs Med 90 ). Experian unwilling to change account type to accurately reflect the account type. Also, Experian did not add a 180-day grace period to resolve the medical debt before it appears as a past due amount on my credit report per the new law passed on XX/XX/2017.
Navient is repeatedly contacting my uncle, aunt, cousin, and mother regarding my private loan debt. Per the FDCPA laws, debt collectors may only contact a 3rd party once ( which they have violated because they are calling above-named parties every week ) and they may NOT contact the 3rd party if they know how to reach the holder of the debt ( which they do, because they call me 4 times per day, 7 days per week ).
I have been trying for two days now to get Experian to send me my free XXXX score and credit report to no avail. I first attempted to acquire my information through their website, which kept giving me internal error messages, so I called them. During this call they attempted to get me to sigh up for a trail program and pay fo my report. When I rejected their offer I was told that I need to call another number, which turned out to be their automated line, which again wanted me to pay for it. 
I made several more attempts online and continued to receive errors. I even tried XXXX, and it gave me my XXXX and XXXX reports, but also errored out on Experian. So I called them again, and they told me that the only way that I could get it would be to pay for it. WHAT a RACKET!!! The whole reason that I am attempting to get their report is to try correct their errors. They are reporting my XXXX score XXXX points lower than XXXX and XXXX XXXX
XXXX/XXXX/16 I got email from my bank about person to person transfer {$2000.00} was originated to a person by name XXXX XXXX, the transfer was scheduled to go out the next day. I immediately called TD bank tech support line and told them it is fraud, I do not know the person and never originated the wire. TD told me they stopped the wire, they blocked online banking login and gave me 100 % assurance my money are safe, transfer stopped. But the next day money went out and were in pending status, I called again, TD again said they give me 100 % guarantee my money are safe and will be back on my account in 2-3 days. on XXXX/XXXX/16 my money left my account for good. I called TD again, they put all the blame on me, finally transferred me to fraud department. I also filed a police report locally. TD bank did not do anything to stop fraud money transfer originated from my account, they let the transfer to go thru, now they refusing to give me my money back, telling me I must wait 2 wks for their investigation, and even after that, they say no money back guarantee. It can not be that someone hacked into my online banking like the bank says because that someone was acting and changing the transfer data after TD completely blocked my account from online access. It is totally TD fault
I have an agreement with XXXX that they would remove late payments on all closed accounts. Credit reporting agencies refuse to remove late payment information despite being provided with a letter from XXXX asking them to remove. This information gets removed and then reappears.
I have called this company multiple times to get validation for this debt. They do not have information to validate or verify that this account belongs to me. I spoke with 5 different representatives and no of them were able to locate an account in my name. However, this negative account is still showing up on my credit report.
I had  XXXX  auto loans with  XXXX  and was late  XXXX  x for 20 days on  XXXX  xloan but  XXXX  is reporting 90 days late : They reported I was late 90 days but paid in full! First off, if you are late 60 days, let alone 90 days, they would repossess your car! I reported it to the  XXXX  major reporting credit institutes but they wont remove it! They claim they went to   XXXX    and concluded info is correct yet when i call  XXXX , they cant find the account! I want it removed because its clearly a lie! everyone knows 90 days late, and you dont have a car!
My capital one credit limit is XXXX. After requesting increases, I was able to make purchases up to XXXX before the card was being declined. Assuming the line was increased, I received notification from credit bureau stating my score dropped due to over credit limit ... I was told by capital one that their was a glitch allowing it to go that high, she then transferred me over to a senior supervisor named XXXX, who said there is absolutely nothing they can due regarding an issue they they made, and is affecting MY CREDIT in which im trying to build back up upon declaring bankruptcy last year.
Initially i did try to work with XXXX XXXX  XXXX who claim to be representing XXXX XXXX and XXXX XXXX. She told me they were going to sue me if I did not pay I asked her for what?! She claimed I owed money and that I needed to pay them. I told them I had fraud before and asked them to validate claim. They did not send any validation and then sued me. To make matters worse i had to pay a lawyer to get an answer written, which could have went towards said claim that they never proved. To add insult to injury, they cheated me out of a court date, by getting judgement behind my back without serving me for trial, whicheans they probably lied to the judge. I have proof of no filed service. 

This is a misuse of legal system and harrassment and bullying and a clear violation of federal laws.
All of these Accounts were open up in XXXX XXXX Nevada. And I live in Alabama. I mailed a fraud affidavit. Police report 3 days ago in reference to these accounts. I mailed 16 years of Alabama state Id. Every last one of these accounts are affiliated with XXXX XXXX Nevada. They were all open. In Nevada and have a attached Nevada address. Please see police report and remove from credit file. 1.XXXX XXXX- -'- Fraud auto loan open up in XXXX XXXX Nevada 2.XXXX XXXX- Fraud apartment XXXX XXXX Nevada 3.XXXX XXXX- Fraud merchandise was mailed to XXXX XXXX address 4.XXXX XXXX - Fraud XXXX XXXX Nevada address 5 . XXXX XXXX Fraud XXXX XXXX Nevada address 6. XXXX XXXX -- -- Fraud cable company in XXXX XXXX Nevada 7 Chapter XXXX -- -- -- Fraud was filed online Pro see XXXX XXXX Nevada 8. -22- unaurhirized inquiries Fraud paperwork will show all fraud inquiries on my credit report. With Fraud affidavit and police report please remove ALL from credit file.
Opened account with Victoria Secret in  XX/XX/XXXX .
Received first statement  XX/XX/XXXX  with late fee attached Purchase was {$130.00} added interest {$2.00} and late fee {$25.00} for a total of {$160.00} This was my first statement since the purchase. Contacted credit card company, spoke with agent who confirmed my mailing address and stated fees would be waived, but it would take a few cycles to appear on my statement. I paid the {$130.00} immediately following and did not make another purchase using that credit card. Interest and late fees then accumulated and by  XX/XX/XXXX  a statement total was {$230.00} all an accumulation of late charges and fees. Spoke with a manager who researched back on all statements. Manager stater that these fees were carried over in error. She then waived only {$100.00} in fees and asked that I make a payment of the remaining balance of {$130.00} immediately. I admit that I should have been more vigilant about checking my statements but I trusted that they were removing those fees from the first statement as promised. I now have negative late reports on my credit report that could have been avoided if they had not mishandled this credit account. I contacted them as specified by letter to work with me on the credit report and remove the late filings as these were all the result of late fees and interest on top of late fees and interest which trickled down. They would not take any action.
I was contacted on XXXX XXXX about a debt that i owed. I had spoke to a man he was very rude and kept talking over me. I asked repeatedly for a letter to be sent to me and i would pay the debt. He stated he would send a letter but they can still proceed with garnishing my wages without me getting the letter. As of today, XXXX XXXX, I still have not gotten a letter. I received a call again today, from a different number, and a voicemail stating they were going to move forward with a hearing with or without hearing from. I call and again ask for a letter so i can take care of the debt and he states " a letter was sent but he has not idea why i havent received it ''. we verify my address and he says my only option now to recived the letters is through email. But regardless they are going to continue with a hearing and may request my presence and i SHOULD get a letter. All i want is a letter verifying this is a legitimate company requesting this. Some of his information was wrong and he says he is SURE i have received other letters trying to settle this. Which is false in the last years i have not received any letters.
stop sending me emails about mortgages? iam a cash buyer, having lost ahome to fraudulent forclosure with over 50/ % equity in the house and stole by wachovia bank /wells fargo bank with over XXXX cfpb case claims against this was deliberate govermant act to decieve XXXX from the penshions and will fight for justice until the end of life, the cfpb have fined these banks for fradulent mortgage activity and stole home to order $ $ $ $ $ $ this was organised by the govermant as wells fargo bank was forced by the govermant to take over wachovia bank then the govermant told the bank what to do Fha insurance the cfpb have not passed any monies that they have collected from fraudulent activity committed by wells fargo bank you think this will go away and you blatently robbed XXXX people of there penshions and i hold you totaly responsable for your action it will come out in the wash? thanks XXXX
Bank of America ( BofA ) has charged more than {$1000.00} in overdraft fees over the past two and half years, at {$35.00} each. This was on my business account, which usually has a large amount of transactions and I did n't realize it until today. 
After reading the law I discovered that I was supposed to have had the option to " opt-in '' and that a default opt-in was not allowed. 
I contacted XXXX XXXX at BofA and he stated that there had been no wrong doing on the part of BofA, I was able to get XXXX XXXX to request that I opt-out but I was told the process takes 5-7 days for approval and that I would now be charged a Return Item fee of, {$35.00} for each item rejected. 
What started my research are the transactions that occurred overnight between XX/XX/XXXX and XX/XX/2016. 
At XXXX on XX/XX/XXXX I checked my account on my mobile device and it said I had {$49.00} in the bank and I went to the grocery store and spent {$46.00}. When I woke up in the morning I noticed that I had been charged {$70.00} in overdraft fees. I was shocked, because I had a positive balance of {$160.00}. This was after a deposit that occurred overnight of {$250.00}. When I talked to BofA they told me that the available amount reflected on my mobile device did not include processing transactions, and in my account history it shows that my balance was really {$37.00} at the time of the purchase and a XXXX draft came through for {$9.00} that caused the XXXX overdraft fee. 
This seems very deceitful.
I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX. XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. 
XXXX/XXXX, XXXX/XXXX. XXXX/XXXX  XXXX/XXXX.
My complaint is about a transfer of loan servicing. My mortgage loan is transferred to Rushmore Loan Management Services LLC effective XX/XX/2018. l mailed the payment due in the same amount due from my previous servicer. I just received a letter telling me the payment amount has been increased and Rushmore did not explain why the payment is increased. It is impossible to speak with the servicer via telephone because they say they can not find my account. It is not possible to make a sign-in account on their Internet site because a message appears that says my information does not match my account. I am using the same information that I received in correspondence from Rushmore. I did some Internet searches and discovered a litany of abuses by this servicer, one being the obstruction and/or refusal to accept payments. So my situation is that I mailed them a payment and now Rushmore says the new payment amount is higher and I don't know how to solve the problem. I do not have the ability to accept their phone calls, yet they say that my account can not be available to me unless I talk to them on a phone call which they originate. The requirement for me to be accessible via a telephone call originated by Rushmore is obstruction of account access and other options that are available i.e. electronic, are also denied access. It should not be this difficult to obtain information and make payments. I suspect it is intentional obstruction.
Contacted Experian on XX/XX/2018 about the dispute I submitted today regarding an alert I recieved today. XXXX XXXX XXXX showed a collection item with XXXX XXXX XXXX XXXX, but was unable to validate it with me. 

Experian fraud resolution stated that they don't have to get documents, they verity only the name, address, creditor, and balance. I said even if the account is NOT my debt. I requested that they verify the debt by getting contracts, payment history, or something to validate that debt is legitimately mine, or if they can't validate it to remove it immediately. 

They said they are in the process of investigating it. 

Sent XXXX  a dispute requesting the same account validation stating that it was not mine.