WillisBack/dataset-financial-user-claim huggingface dataset:
I graduated in XX/XX/XXXXof XXXX, and by XXXX of XXXX, discover had already called me asking me, when will I make payments? I advised I just finished college and I am currently unemployed therefore I couldn't make any payments. They told me they could give me 6 months to find a job but after I would have to start making payments. 6 months go by and I still could not find a job that could afford $ XXXX {$930.00} per month. So I decided to call Discover and see how we could lower my payments, so I could at least give them some type of payment to show I am not abandoning my payments. I called and spoke apparently spoke to a frontline rep, manager, and supervisor, whom all explained to me, " They could not do anything for me, but either put my loan in forbearance, or let it go to the creditors and ruin my cosigner and my credit ''. So we decided we will attempt to make the payments but also try and find ways so we can lower the payment, consolidate, or anything that would make these payments affordable. Every month around the XXXX and the end of the month, I would call, make my payments, and ask if there anything we can do to lower my payments. In XXXX of XXXX Discover took an entire payment for a loan I could not pay for and only authorized them for the minimum payment, over drafted my account, and told me they would have to reverse the payment but would not reimburse me for my overdraft fees they caused. After 10 months, Discover advised a repayment program, that would last for 6 months, but didn't advised me that my payments would rise after the 6 months. I accepted and payments were temporarily more affordable but quickly risen and currently still finding any and every way to get these payments done. I attempted to reconsolidate my loans and they have denied me 5 times due to my salary. Discover 's advise was to " Go find another company to reconsolidate with because they can not help and because I've had a repayment program I will now have to pay $ XXXX $ XXXX {$1000.00} per month. So I asked to speak with another supervisor XXXX, XXXX, and XXXX of XXXX, to explain I can not continue to make payments as much as they would like because they are asking for way to much money and I can barely survive because my paychecks are going directly to them every two weeks. I know doctors and lawyers and they DO NOT pay no where as close to what I am paying and that Discover is taking advantage of consumers like myself. Just recently I received a phone call from Discover threatening that if I do not make my payments that they will forward me to the credit bureau. But I had to correct the rep on DISCOVERS mistake because they put one of my previous payments on the wrong loan, and the rep advised even though it was a mistake on our behalf, you still might be forwarded to the credit bureau for your payment being late. I asked how when it was their fault, and she had no answer but it may still get forwarded and told me have a great day. 
I've explained to them my situation and if they could work with me because it's not like I do not want to pay off my debt but paying $ XXXX a month is outrageous.
I have an open XXXX XXXX credit card. I got it back in XX/XX/XXXX. It was my first credit card and I was unsure about paying by a certain date and not just any time that month and ended up paying late on XX/XX/XXXX and then I was severely affected by hurricane Harvey and was unable to pay on time in XX/XX/XXXX however I did pay on XX/XX/XXXX and more than the minimum payment was. I called XXXX XXXX XXXX   and asked them if they could remove the late payments after I explained my situation and also since it was severely affecting my credit score. The agent agreed. My credit report still reflects late payment however when I call XXXX XXXX they report no late payments in their system anymore.
ACE Cash is saying I owe them money for a loan I do n't remember getting, and wo n't give me any paper work and date this happen.They are saying they will file a judgement with the court on XXXX XXXX. What should I do.
On three ( 3 ) separate occasions over the past 2 years, a charge has appeared on my Chase Freedom credit card account of {$16.00} from a company I have no knowledge of, and have never done business with ( XXXX & XXXX # XXXX ). When I complained to Chase about the erroneous charge, they removed it and closed the account. They then issued me a new account number, which meant I had to wait for the arrival of the new card, and then take the time to notify all my reoccurring charge accounts of the new number. I can understand how a scam company might somehow get a false charge posted to my account, but you can not make me believe it can happen 3 times, with XXXX separate account numbers without collusion with Chase. In all the many, many years I have had credit cards with various banks, this is the only time it has ever happened, and it was with Chase, and three times.
I received services from a healthcare provider XXXX years ago. Recently I got a call from a Collection Agency who said the debt has not been paid. The healthcare provider and I were in agreement that they 'd take care of billing but somehow my name was thrown into the mix. The healthcare agency does not respond to my inquiries about the debt or to the collection agency 's inquiries about the debt. This has a possibility of ruining my credit.
I filed for a small personal loan through what a I thought was a legitimate loan company " XXXX XXXX XXXX '' based out of California. I received a telephone call from the " representative '' clarifying the information on the application. In going over the information, the representative stated that he had my bank password, which he proceeded to tell me. Surprisingly, he did in fact have my password. At no time, did I provide my password to him. He transferred money from one account to another, making it appear that the loan was granted. However, TD Bank is stating that fraud was not committed as they are stating that I willingly gave the password to the caller and authorized the three separate transactions.
I would like to file a complaint on American Express Credit card services. I have the blue sky miles card. I signed up and had an introductory rate of 0 % for 15 months. My interest rate is now 17 % and I 'm being charged this interest. I have submitted the request for SCRA benefits over XXXX times and have had no results from doing so. I 'm currently on XXXX in the XXXX. Someone from the SCRA department over at american express contacted me and told me I was n't eligible for the reduced interest rate under the SCRA and that they already credited my account all interest charges back but once I continued using the card it went back up to the cardmember APR. I know that this is n't by the law and should at least be by the mandated 6 % for active duty service members. I was told that they would n't do anything for the XXXX or any interest charges. I 'm also XXXX soon and they did n't regard any of that. Finally, I 'm still on XXXX and need this adjusted I 've submitted these requests more than once. I 've since racked up over {$300.00} interest. I 'm considering suing American Express over this issue
XXXX is showing an outstanding debt that was not ours. We have resolved it with XXXX, however it is still showing up on my credit report
INFORMATIVE RESEARCH Hello, This inquiry is on my credit report that was pulled without my knowledge for a morgagte with XXXX XXXX I would like this removed as well as I did not receive a loan from this company and do NOT have any morgagte loan at all so I did not receive anything from this company and they are on my credit report and I have no business with them.
XX/XX/2018 a letter was sent from XXXX XXXX, XXXX. XXXX XXXX, XXXX, OH XXXX to my attention regarding a denied application for a XXXX Credit Card. I never applied for a XXXX credit card and do not need another negative mark on my credit showing that I was seeking a credit line when I never did. The company does not list a number to call to correct this issue and only states to contact them via post. Not only is this fraud, but they've made it incredibly impossible to communicate with them. 
I want this inquiry removed from my credit and I believe XXXX XXXXk should have to list a customer service number in order to avoid any UDAAP issues in their future.
HSBC credit card is showing on my credit report and XXXX XXXX XXXX, XXXX is trying to collect on a debt on HSBC behalf that I am in disagreance in with. It is reporting {$1100.00} - I do not have any knowledge of this account this account was reported to my XXXX  credit bureau it is drastically and negatively affecting my credit. I am currently in the process to buy a new home and this company and or HSBC is delaying the process due to this collection account. I have reached out to this XXXX XXXX XXXX twice and they are not able to provide me with current or correct dates. Also, I am filing a formal complaint with the XXXX   in regards to this debt collection. Collection agent/agency stated they spoken with me I have never called in at all to speak with anyone at this collection agency. I am exercising my FCRA rights with this debt.
On XX/XX/XXXX my husband ( XXXX XXXX ) received a phone call from a process server who wanted to schedule a time to deliver documents, they gave him a phone number to call so he could find out what this was about. He included me ( XXXX XXXX ) in on the phone call. The number was ( XXXX ) XXXX. The company was a XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. We spoke with a XXXX XXXX. She explained that they were a legal firm and that they were representing Fifth Third Bank. On a overdraft charge made about 10 years ago and that they had sent us notice on XX/XX/XXXX with an offer of 1/2 off the  balance. We never received anything in the mail from them. We requested proof of this debt. She told us that she did not have to give us any and that we would see everything when we went to court. The original debt and all the agencies that have held title on it. Our debt was {$1800.00}. If we went to court we would owe the debt in full and the court cost all due that day. If we had to have his wages garnished it would cost us over {$3000.00}. We decided we would have to call her back. When we got home, we called Fifth Third Bank and all they could tell us was that XXXX XXXX did have an account with them 10 years ago but it was closed and they no longer had anything on file. They told us we should check XXXX XXXX to see if it is on there and that would have tracked the debt. At the time we could not get onto the XXXX XXXX site and were unable to pull the report until 2 weeks later. Since we did n't know what was going on, we decided we would try and pay the debt in full, so we would not have any legal issues. We called XXXX XXXX on XX/XX/XXXX and asked if we could work with them on this. She told us if we could pay within 7 days she could get the balance dropped to {$730.00}. I went ahead and paid it the next day. Giving her a direct transaction from my checking account. I will attach the email and form we signed. Since then, we have received numerous calls from debt collectors trying to collect old debt from my husband from banks he never had accounts at, all of them threatening court. We have also received a XXXX XXXX report and all 3 credit reports and Fifth Third and none of these other banks or balances are showing on any of them. I have recently done a lot more research and now know our consumer financial rights and believe that this company is a fraud and has scammed us out of our money this debt would also have reached it 's status of limitations and they would not have been able to take us to court over it.
I have a a unverified account from CBE GROUP # XXXX. I had previously disputed this account this account. I have never done business with CBE GROUP INC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of th debt CBE GROUP INC purport I owe. I request that CBE GROUP INC Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CBE GROUP lNC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number # XXXX
While visiting the Wells Fargo Bank, a banker offered me a credit card, according to what he read from the bank site, I was eligible for a card with an APR of 8 %, with 0 % rate for 15 months, I agreed on the condition that my rate would be 8 %. When I received the card, it had a rate of 21.4 % after the promotional period. I contacted customer service by phone, when I told the representative about it, she urged me to go into Wells and see the banker, have him call in and it would be honored ; however, I went in, the banker called in, but Wells was not willing to honor the rate. I feel that it was discrimination, as XXXX are often given higher rates, despite their credit scores.
On XX/XX/2018 I sent dispute letters to XXXX and Transunion, regarding an account on my credit file that had incorrect or missing information. I stated : " I am writing to challenge the reporting and compliance on an account with XXXX XXXX/XXXX  that is being reported on my credit report with incorrect/missing info. 
More specifically, I am referencing the fact that you are reporting an incorrect account number. 
Your improper procedures are highly damaging to my credit score.  Please immediately delete this item. '' When I received the response back from each company, they stated the account was valid, but they did not address the fact that I can't see an account number for me to verify it myself. Just a bunch of XXXX 's. 

As required by section 609 of the Fair Credit Reporting Act, it states that by not reporting the entire account number, 100 % of the information is not being reported accurately. 

I have enclosed these documents below.
On X/X/2017, in the course of debt collection activities related to my account, XXXX XXXX XXXX XXXX XXXX ( the debt collector ) contacted a 3rd party via phone and violated the Fair Debt Collection Practices Act with the following actions : ( 1 ) The debt collector, without being requested to do so, voluntarily identified XXXX XXXX XXXX as his/her employer, a violation of 804.1, and ( 2 ) the debt collector stated that the purpose of the call was to collect a debt, a violation of 804.2, and ( 3 ) The debt collector, without my consent and without being requested to do so, voluntarily gave the 3rd party identifying information for my credit card account and the exact amount owing per the debt collectors records, a violation of 805b.
On XXXX/XXXX/XXXX I made first contact with PayPay Credit in order to find out what the general status of the debt was. I was unable to get this information as they has stated that the debt had been assigned to XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX for collections and they could provide no further info and that I 'd have to contact them ( XXXX ). I then made contact with XXXX the same day, XXXX/XXXX/XXXX and was forwarded to a woman named XXXX who stated she was in charge of my account. She verified my contact info, e.g. DOB, home address etc. and gave me my internal reference number for XXXX. I mentioned I would be sending in some correspondence and I thanked her and the call ended. Shortly after that call, I went to their site and decided to try and register, which I did successfully and decided to browse my account. Menu options upon logging in were : Balance, View payments, Contact Us and Profile, all of which had info once clicked. I took several screen shots of what I viewed which I will attach to this complaint. I later went back after receiving an email from XXXX verifying my enrollment and to my amazement, all of it was no longer available and what was there was merely " Terms and Conditions '' under each category. To say the least I found this interesting. I later decided to fill out a Verification letter from CFPB XXXX XXXX ) and mailed it off via USPS Certified mail on XXXX/XXXX/XXXX ( file attached ). I have been very proactive in dealing with creditors since my wife and I had a major financial setback in late XXXX. The last time I had utilized PayPal credit was on XXXX XXXX, XXXX and to this date, XXXX/XXXX/XXXX I have had no contact from either PayPal Credit ( XXXX Bank ) nor XXXX in any form whatsoever. I also found it odd that upon viewing recent XXXX reports, from XXXX XXXX and from XXXX XXXX, XXXX appears nowhere on any of them in the reporting of this debt, however they requested an " Account Review Inquiry on XXXX/XXXX/XXXX ( screen shot attached ). Now, my last recollection of my balance with PayPal Credit following my last purchase in XXXX XXXX was approximately {$1600.00}. The amount that I was able to view upon logging in on the XXXX website before the info apparently was removed was {$2100.00} ( screen shot attached ) which of course I found completely outrageous to say the least given the lack of contact, not to mention it could very well be violating various codes ( XXXX XXXX Code XXXX - Unfair practices, Sections, XXXX & XXXX ). Again I will reiterate, I have not received any communication from XXXX let alone PayPal Credit in any way shape or form since XX/XX/XXXX aside from the " Account Review Inquiry '' on my XXXX report mentioned above.
Loan Modification : We owed a balance of about {$300000.00} on our home in XXXX. We receive a loan modification in XXXX with OCWEN Loan Servicing LLC we now owed {$350000.00} and we have a balloon payment at the end of 30 years that we do not know how much it is. This home is only worth about {$200000.00}, I thought loan modifications was supposed to help people not hurt them we have lived at this house since XXXX XXXX and we still owe {$320000.00} on the house something is not right here if you ca n't help us at least point us in the right direction. We have been approved for two principle reduction. This company did not work with us so we did not receive either one of these principle reduction we want this company to be responsible and give us our principle reduction.
XXXX XXXX XXXX XXXX put debt in the amount of {$790.00} on my credit report that I do n't owe. I explained to them that I had insurance during the time in question. While I was attempting to dispute the debt, they just put it on my XXXX credit reports without completing the dispute process and reaching a resolution prior to just reporting the alleged debt to credit bureaus. I do n't owe the debt in question. It 's three years later and they are just now addressing the issue. They should 've been made me aware of a debt not paid by insurance. Instead of waiting too late for the alleged debt to be resubmitted. I do n't owe the debt as i had health insurance during the time in question.
I HOLD AN ACCOUNT AND DEBIT CARD WITH SANTANDER. ON XX/XX/XXXX2016 THEY BLOCKED MY CARD WITHOUT NOTIFYING ME AND WITHOUT SPEAKING TO ME. 2 DAYS BEFORE XXXX I GO TO THE STORE AND MY CARD IS DECLINED. I AM EMBARRASED. I CALLED THE BANK AND I WAS TOLD THAT MY CARD WAS CLOSED AND THEY ALREADY SENT ME A NEW XXXX. HOW CAN SOMEBODY TAKE MY MONEY AND MY CARD WITHOUT MY KNOWLEDGE. AM I LIVING IN COMUNIST COUNTRY? OR COUNTRY OF FREEDOM. I CAME HERE FROM XXXX AND GREW UP IN XXXX AND WE DIDNT HAVE TOO MANY RIGHTS. NOW SANTANDER CAN DECIDE WHAT IS GOOD FOR ME WITHOUT ME AGREEING. THEY VIOLATED MY RIGHT. WHAT IF I WAS OUT OF THE COUNTRY AND I HAD NO OTHER CARD???? I WANT TO USE MY MONEY WHENEVER I WANT AND I DO N'T WANT SANTANDER TO DECIDED FOR ME. I AM STUCK 2 DAYS BEFORE XXXX WITHOUT MONEY. I DO N'T HAVE TIME TO GO TO THE BANK. I WORK AND IT 'S BUSY AT THIS TIME OF THE YEAR. I HAVE BEEN TAKEN MY RIGHT TO CHOOSE AWAY FROM ME I CA N'T DO WHAT I WANT TO DO WITH MY CARD AND MY MONEY. THEY BLOCKED AN ACCESS TO MY MONEY. I FEEL VIOLATED AND I FEEL LIKE I HAVE NO RIGHTS WHATSOEVER IN THE EYES OF SANTANDER BANK. THIS IS ALSO UNAUTHORIZED CARD USE!!!!! I DID N'T AUTHORIZE THEM TO TOUCH MY CARD
There are several inquiries on my credit report that I did not authorize. I have written to each company listed informing them that they pulled my credit without my permission. I also disputed these inquires with Equifax. Equifax has said they would not remove them as I authorized them. I have asked for each company that inquired for my credit to provide me with proof that I authorized these inquires. I also have asked Equifax to provide me with the proof that they have received from each inquiry showing that I authorized these inquires. Both the company and Equifax have failed to provide me proof that I authorized these inquires. Equifax has also failed to remove these inquiries from my report as they were not authorized by and are now FRAUD inquires. 
1. XXXX XXXX XXXX XXXX XXXX - Date of inquiry XXXX/XXXX/XXXX2. XXXX XXXX XXXX - Date of inquiry XXXX/XXXX/XXXX3. XXXX XXXX XXXX - Date of inquiry XXXX/XXXX/XXXX4. XXXX XXXX XXXX - Date of inquiry XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, & XXXX/XXXX/XXXX5. XXXX XXXX - Date of inquiry XXXX & XXXX/XXXX/XXXX6. XXXX XXXX GA - Date of inquiry XXXX/XXXX/XXXX, XXXX/XXXX/XXXX7. XXXX XXXX - Date of inquiry XXXX/XXXX/XXXX8. XXXX XXXX XXXX - Date of inquiry XXXX/XXXX/XXXX9. XXXX XXXX XXXX - Date of inquiry XXXX/XXXX/XXXX10. XXXX XXXX XXXX of inquiry - XXXX/XXXX/XXXX11. XXXX XXXX XXXX XXXX - Date of inquiry XXXX/XXXX/XXXX12. XXXX XXXX XXXX - Date of inquiry XXXX/XXXX/XXXX
I received an email that my social security number was compromised on the dark web. I've contacted Transunion, XXXX, and XXXX to investigate 20+ inquiries over the past 2 years XX/XX/XXXX-XX/XX/XXXX that were unauthorized by me. They refuse to offer any assistance in these matters. It is easy for hackers to get innocent citizens information EX. social security numbers but made difficult for us to get information on our reports verified and corrected. When innocent citizens information is compromised the 3 credit bureaus should take these matters very serious, its could be life altering for us. I feel like representatives do not take these matters seriously. They offer no assistance after hours of holding just to be told their is nothing they can do. If they do not want to protect our information and offer help when it is compromised why do they have access to it? I feel like my Personal Information is not protected and at anytime can be accessed which leaves me at the mercy of the 3 credit bureaus who offers no help.