WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018, I filed a dispute online with Tower Loan through their online Customer Service Issues about the balance on my account and the date of last payment being wrong that was reported to the Credit Bureaus pertaining to my account with Tower Loan. Tower Loan had not been reporting as the company should have, and there for the information on my Credit Report was incorrect. I presented this information to Tower Loans, but Tower Loan never tried to make any corrections or contact me, until I stated that I would file a Class Action Lawsuit against the company. I filed another complaint on XX/XX/2018, and at that time I also made a call to the XXXX XXXX office where my account is located to find out who the Area or District Manager was and how I could contacted him. I first spoke with XXXX XXXX and Mr. XXXX forwarded some papers to me through an email showing that Tower Loan had been made aware of the problem and was trying to correct it. To make a long story short, Tower Loan would have not tried to correct this issue ( and it still isn't corrected as of today ) if I had not brought it to the company 's attention. Tower Loan is still not reporting the correct information on my account, I have only received one phone call from XXXX XXXX about this issue ( after I made three calls to Mr. XXXX ) and he was very rude and arrogant about the situation.Mr. XXXX XXXX 's tone of voice was like I was stupid and he was not concern about the issue. Mr. XXXX XXXX the Compliance Manager, never called me back, but responded in a letter, passing the buck off on the Credit Bureaus. Tower Loan does not have a reliable office telephone, because the phone listed on the  Complaint Form that is online, is a cell phone listed as " XXXX 's Work '', and the call that I received from XXXX XXXX was from an office in XXXX, MS . If Tower Loan home office is supposedly located in XXXX XXXX, MS , why is it that this company does not have a legal telephone for the consumers to contact the Home Office at the phone number given for the company? As of today, Tower Loan is still reporting the wrong information on my account. Tower Loan has three different balances that is owed on my amount reported to the Credit Bureaus as the pay off amount, date of last payment is wrong, and there is no working with Tower Loan about correcting this. I am sure that there are others who have or have had the same problem with Tower Loan and I am struggling and striving to pay this account off and I will not recommend this company to anyone to do business with. I was also send a copy of some emails where I was rudely talked about and these emails show and are dated on the date that Tower Loan did not think about or try to answer my complaint until I mentioned filing a Class Action Lawsuit against the company.
On XX/XX/2018 a order was placed to XXXX for the amount of XXXX. Two days later the item was delivered in which my signature was forged and someone stole the item. I filled a dispute with XXXX XXXX who is XXXX XXXX and provided them with a police report as well as a Identity Theft report and they refused to remove the charges. They also closed my account without notifying me
Credit bureau services contacted a provider   XXXX   XXXX   in reference to an alleged debt concerning me.   XXXX   XXXX   in turn released my alleged medical treatment provided by him. He did so without my consent. By   XXXX   XXXX   giving Credit Bureau Services my information that is an direct violation o f HIPPA  rights.   When speaking to the representative from Credit Bureau Services she stated she was in possession of my record and proceeded to mail an copy by regular mail where anybody could have came in contact with the information.   I am attaching copies of records sent to me from Credit Bureau Services
My mortgage servicing company is taking a rediculous and incorrect amount of interest on my monthly payments on a simple interest loan. 
My payments are not being applied correctly. They are stealing interest. 
( acording to their own records attached and beginning on the last page in the 2013 year when they begun servicing the loan ).
I have been on XXXX military XXXX since XXXX XXXX and I have been paying back my student loan since XXXX XXXX. I clearly obtained the debt prior to enlisting in the XXXX. 

The Edfinancial representative claims my loan was consolidated in XXXX so I am not eligible for interest reduction relief. The date of my loan origin is now XXXX which makes it seems as if the debt occurred after I enlisted. 

My student loan debt clearly originated prior to my enlistment ; regardless of when the lender decided to consolidate. 

Who can be of assistance in regards to this issue. 

Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX
In XXXX I had all my loans consolidated into direct loans and applied for and was accepted into the public service loan forgiveness program. I learned on XXXX/XXXX/XXXX that XXXX of these loans from XXXX ( which happen to be among the oldest loans ) were never consolidated. At that point, 2 years into the public service loan forgiveness program, I am told that they will have to be consolidated and the clock for these XXXX loans, which account for 20 % of my balance, will begin once this additional consolidation process is complete. 

This error leaves me with an additional two years of loan payments I would not otherwise have been required to make. 

I have presented this issue to Fed Loan Servicing via electronic submission and mail as well as phone calls made to the general customer service number and the ombudsman. The resulting communication from their representatives was that this has happened to others and the situation can not be helped. 

Thank you for time and consideration.
I have disputed 2 XXXX XXXX XXXX accounts with the credit bureau however they are not actually disputing fairly in accordance with the FCRA. I 've asked for the method of verification and they admitted to not actually verifying and if these laws are in place how are they allowed to continue to not follow them? I recorded a conversation with XXXX XXXX XXXX with there knowledge and XXXX admits to not being able to verify 2 XXXX XXXX XXXX accounts that they are reporting on my credit report which is harmful to my credit. They are n't verifying the accuracy of these accounts. I do n't have any accounts with XXXX XXXX XXXX as I have never done business with them. If they are still sending electronic codes that does nothing because there is no proof of this in which I 've asked for many times.
ERC tried to collect on a XXXX XXXX bill that the credit reporting agencies contacted me about. The credit reporting agencies informed me that I was a victim of identity theft and deleted the account from my credit report. ERC then tried to report it. I disputed it and their solution was to sell the debt to XXXX XXXX, who just sent me a bill. ERC knew that there was no debt and they sold it to another company to continue their harassment.
I had a credit card account with Citibank and got closed due to no transaction. I moved out of XXXX during the Citibank shutdown their service in Texas and hence i could n't keep my credit account active as it is only linked with my citi checking account. Now when i returned, i noticed that my credit score is not available and when i checked with XXXX, i came to know that my credit card account details were not reported to credit unions till date. This resulted in loss of business deals and other purchase offers. Please do the necessary to revert back my status and compensate for my loss and sufferings.
My XXXX XXXX account was sent to collections after an address mix up. So this company sent notices to the address that I did not live at. I finally got the notices that were sent to the wrong address and sent them a letter informing them of my actual address and asking for verification of the debt. The verification never came to my actual address but instead to the address that I never actually lived at. Then about a month later I revived a notice from yet another collection agency that XXXX XXXX employeed because I had not responded to the request from the previous agency all because they had the wrong address.
There is a collections account on my Equifax credit report that contains incorrect information. I am disputing the XXXX XXXX XXXX ( " XXXX '' ) collections account on my credit report as it contains incorrect information. XXXX has illegally reported incorrect information on my credit report in retaliation for filing a complaint agains them. The XXXX collections account on my credit report needs to be removed immediately as it is incorrect.
I have been trying to contact Experian for months now! I have been calling constantly to cancel this membership! It is impossible to talk to someone! I have been on hold for hours and hours and sometimes it just disconnects the call! They have been charging me $ XXXX/month for a service that I CAN NOT cancel and DO NOT use. This is the biggest scam ever!
They said they took off the debt for XXXX XXXX after it was paid and I noticed ok my credit file again for the same amount with a different company after it was token off becuase the debt was paid in XXXX 2016
Circumstances of my life changed and I can not currently pay any of the debt on my USAA credit card for a number of reasons : I have had the same XXXX for 18 years and we tenuously made things work, by agreeing as to who pays for what. 

When my landlord gave a 60 day rent increase notice, XX/XX/XXXX, XXXX had a XXXX and is temporarily staying with relatives in XXXX. Her relatives are helping and XXXX can still split the expenses with me until XX/XX/XXXX, and if I do n't find another professional job, before XX/XX/XXXX I will have to move to a cheaper cost of living area. 

On XXXX XXXX, XXXX, I also underwent XXXX, to save my life. XXXX. 

My circumstances are just information, part of which I gave to USAA and not to give a SOB story. 

USAA said that they would not renew my credit card, even after I am able to pay back my debt to them. 

I had previously let USAA know that I am judgment proof, except for Federal debts. I am currently living on a combined military and XXXX pension and have XXXX XXXX car. I had also previously promised that when I get another professional job, I will take care of my credit card obligation, with USAA. 

Today, XXXX XXXX, XXXX, I received another one of repeated calls from the USAA credit department on XXXX. In order to " get me verified '', the caller wanted to know everything about the XXXX cars I have insured with them, as well as my social security number, etc. These are things that the department of USAA which insures me already has on file. I hope that USAA is not planning to try to seize our cars, that a third contracting party claiming to be USAA, without my knowledge, wants the information that USAA already knows, for that purpose.. 

I asked USAA or the anonymous third party claiming to be USAA, once again, to cease calling and told them that if they want to sue me, then that is their option. The estimated amount of the debt is {$4000.00}. I can not stop them from tacking on late charges and other fees, so I hope that I wo n't end up legally owing them a much higher sum of money and that, it can be negotiated when I am able to repay this obligation. My member number with USAA is XXXX. You may choose to omit this information, if you choose to publish this complaint.
A collection letter was sent to my daughter who is a minor.I called the company to explain to them that she was minor and she should not have a collection account. They told me that they could not discuss he account with me because I was not the person on the letter. They inquired as to who I was and I gave them my name. The next month, I started receiving letters trying to collect the debt.
PNC Bank advertised on a large screen TV at the XXXX Branch a " loan discount '' of {$500.00} for a new, qualifying home mortgage if you set up the loan payment as an auto-deduction from an existing PNC account. I had just begun the loan application process and asked my loan officer if I was eligible. He said I was. I was told at closing the " loan discount '' would be credited to my checking account after the first auto-deduction. Following the first auto-deduction from my checking account in XX/XX/XXXX, I was then told the loan discount would be credited to my checking account 90 days after the loan closed. After 90 days, I am now told that my " complaint '' will take several weeks to research. The same scenario occurred with a friend of mine getting a PNC mortgage at the same time. After many phone calls, they did finally get the loan discount credited to their checking account but were so angry at the effort it took to get a benefit that PNC had advertised, they moved all their accounts to XXXX bank. I have had account with PNC for 30 years and feel that I deserve better treatment. It is not a huge sum of money, but if they are going to lie and not follow through with this promise, why should I now believe anything they tell me. I have placed on hold any further business with PNC until this is resolved. I have attached a document containing emails between myself and PNC. The Loan Officer was XXXX XXXX, followed by XXXX XXXX when XXXX was no longer available.
On XX/XX/XXXX Equifax sent a copy of my credit report which included results from an investigation into accounts that were established without my knowledge or consent. Prior to receiving a copy of my credit report, on XX/XX/2018 I spoke with a representative at Equifax XXXX in the Fraud department who advised their verification procedures only included ; a consumers name, address, and social security number. I was told Equifax uses an electronic verification system or a system known as XXXX which performs off of computer generated codes. I advised the representative, that is not 100 % accurate and reasonable verification. I then asked to speak with a supervisor and was told that a supervisor would tell me the same thing. I then insisted on speaking with a manager and was placed on hold for approximately 20 minutes before I had to disconnect the call. In addition, upon Equifax being notified the accounts in question were established through identify theft, Section 609 ( e ) ( 2 ), a business entity that has provided credit to, provided for consideration products, goods, or services to, accepted payment from, or otherwise entered into a commercial transaction for consideration with, a person who has allegedly made unauthorized use of the means of identification of the victim, shall provide a copy of application and business transaction records in the control of the business entity, whether maintained by the business entity or by another person on behalf of the business entity, evidencing any transaction alleged to be a result of identity theft to the victim. Equifax is in violation of the FCRA by not providing an original application with my signature obligating me to the accounts that are in dispute.
Chase is denying me my right to my funds and they do not want to give me access to my funds also I 'm in another state not my home and I need my money to get home and they are still refusing me the right to my money
The Williams and Fudge is trying to collect a debt from the school XXXX XXXX of XXXX. I do not owe that money because the XXXX XXXX schools are being shut down due to multiple accounts of predatory lending and usage of high - pressure tactics to increase enrollment. Over half of these schools are already closed.
I began using my Wells Fargo Credit Card in XXXX 2016. The credit limit is {$8000.00}. My current balance is just over {$4000.00}. On XXXX XXXX, 2016, I went to the local XXXX to take advantage of a promotion of " {$99.00} for one year of membership. '' My Wells Fargo credit card was declined when I attempted to use it at this business. In XXXX 2016, I went online to XXXX to make a purchase of {$53.00}. Again, my Well Fargo credit card was declined. I did n't understand that, so on XXXX XXXX, 2016, I went to my files and pulled my bank statements and discovered that Wells Fargo did not send me a credit card statement in XXXX 2016 ( When statements come in from all sources -- banks and utilities, I put them in a little box, in a pile ). Wells Fargo not only failed to send me a statement in XXXX 2016, the bank deactivated my credit card, and sent a negative entry to the credit bureaus, without notifying me. I have been utilizing credit off and on for 45 years, and this sort of thing has never happened to me. It is the most recent statement, XXXX 2016, that shows derogatory information in my account. Wells Fargo knows that I have excellent credit and, therefore, they should have notified me if they believed that I did not make a payment. The truth is, I did not know until recently, when I checked my bank files, that Wells Fargo had not sent me a statement in XXXX 2016 ( I am in the process of designing a spreadsheet that will show the names of all creditors ( banks and utilities ) and the dates on which their statements arrive ).
My complaint is with the PayPal Credit offering ( formerly known as Bill Me Later ). Earlier this summer, I apparently accidentally signed up for this " line of credit '' after trying to pay with my usual credit card on my PayPal account. When I was paying, they asked for my birthday and last four digits of my social ( which I just assumed were generic security questions websites use to verify identity ) -- but apparently they were asking because I did n't realize the option for " PayPal Credit '' was n't just my credit card. They then took all my other info they had saved to make a hard credit request which dinged my credit score - apparently this is what happened anyway. This is what PayPal explained to me afterwards. I only knew I opened the account after being contacted XXXX. When I called PayPal and said I did n't authorize opening this account, PayPal first told me to file XXXX with PayPal, then PayPal told me to send a written request which they forwarded to XXXX and it was rejected. 

By the time I spoke with someone from PayPal again, they ( finally ) basically explained that they have an option on their website when paying to use " PayPal Credit '' instead of " PayPal '' which I apparently selected on my account. I said this is evidently not clear. I actually asked how this was permissible -- I never signed anything saying they were allowed to do this check or given other info to them. They said they had my electronic signature " stored '' elsewhere as part of my account and that they used that to authorize the line of credit. So by just filling in my date of birth and last XXXX digits of my social security during checkout ( which I assumed was a security check ), they took all my other info and used it to authorize the account. I closed the account, but my biggest issue is that this actually went against my credit report as a credit inquiry which will stay on there for two years. Personally, I consider this intentionally ambiguous website design to trick customers into signing up for the line of credit.
I am XXXX year old woman. I have been a long standing customer of Bank of America for credit card usage. I had set up my account, like all of my other credit card accounts, to be paid automatically with the minimum payment so that I never had to worry about missing a payment. In XXXX XXXX, I had a terrible fall and ended up in the hospital for almost 3 months. I was not concerned about the payment to my Bank of America account since it was set up to be paid automatically. However, once I was out of hospital I received a bill that I was late in payments and had incurred substantial late fees. I tried to resolve this both over the phone and in person. However, Bank of America would not work with me. I explained to them that I had set this up for auto payment for this exact reason - in case something happened and I was n't able to make my payments myself. However, the way their website works, you put in a designed payment amount for auto payment. If the balance increases, the auto payment amount does not increase. All other credit card companies I have used allow for the minimum payment to increase based upon the balance. If the balance goes up, so does the minimum payment. Likewise, if the balance goes down, then the minimum payment goes down. I tried to explain to them that is what I believed to be the case. I also agreed to pay them for what was due but not the late charges since I did n't believe that I was truly late - rather there was a misunderstanding. They would not waive the late fees. It should also be noted that they continue to receive my auto payments while this dispute is ongoing. I have done nothing to deter them from receiving payments from me. I am looking for you to intervene and determine if I can be relieved of the late fees that continue to accrue. Thank you.
I am a victim of identity theft and I am intending to sue. I have sent in over the past few months, a copy of my police report and identity theft affidavit as required by law to remove these fraudulent accounts which were opened by a thief. You are required by FCRA laws to block these fraudulent accounts within 4 days. XXXX  and Experian Credit Bureau are still in violation of the FCRA laws by reporting these fraudulent accounts on her profile.

The law is very clear as to the Civil liability and the remedy available to me (section 616 and 617) if you fail to comply with Federal Law. I am a litigious consumer and fully intent on pursuing litigation in this matter to enforce my rights under the FCRA.

Under section 609 (e) of the FCRA, a victim of identity theft is entitled to the above referenced documents without a subpoena. 1) XXXX XXXX, Acct.#: XXXX  Unverified Account2) Medical, Acct.#: XXXX  Identity Theft Account3) Medical, Acct.#: XXXX  Identity Theft Account4) Medical, Acct.#: XXXX  Identity Theft Account
XXXX Wells Fargo charges fraudulent, multiple, ATM transaction fees, for only XXXX XXXX withdrawal, to other bank. {$8.00} total, when other bank 's ATM machine broken and none other available for several miles, other bank refuses to refund the XXXX. On XXXX XXXX, 2015.
Please be advised I have requested validation { not verification } of a medical debt reported to you by XXXX XXXX XXXX XXXX on XX/XX/XXXX. I received a response that clearly violates my rights according to HIPPA on XX/XX/XXXX. 

XXXX XXXX XXXX XXXX, or the original creditor XXXX XXXX XXXX XXXX XXXX did NOT provide me a HIPPA release that releases my medical information to the debt collection agency, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. Additionally, this debt was paid by FL XXXX. I have attached my benefits approval letter and XXXX ID card to prove my case was opened in FL. 

I reached out to XXXX, XXXX and Experian to let them know this debt is in violation of HIPPA but XXXX Or Experian didnt delete it form my report, while XXXX did delete it..