WillisBack/dataset-financial-user-claim huggingface dataset:
The full touchscreen ATM located outdoors of BB & T XXXX XXXX XXXX XXXX XXXX, NC XXXX does register " touch '' in extremely cold and extremely hot weather. I have wasted gas and time TWICE going to this location outside of regular business hours only to realize there are no push buttons for choice selection and my finger touches would not work. I spoke with XXXX about my frustrations on XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX, the weather was cold and the ATM touch sensitivity FAILED. Now, the weather is hot and the ATM touch sensitivity is still FAILING. This location is also where I had a rude and disrespectful banker named " XXXX XXXX XXXX, NMLS # XXXX '' to tell me that I should " pay my bills '' despite the bank emptying my bank account to satisfy a sheriff levy for a ten year old unsecured platinum credit card. I am very frustrated with this location. There are some good people working there, but the bad ATM service is just unacceptable! I don't want a third wasted trip to the ATM. Can they provide better machines with push button capabilities? XXXX said that he would escalate my complaint since it was my second time calling this year.
1. General Revenue Service has charged me outrages fees that were added to the loan each time I was late. In all, GRC has added more than {$4500.00} in fees to my loan. I believe GRC conducts predatory lending practices in order to add to the load to make it easier to transfer to different lender 2. Between XXXX and XXXX, I was employed at a XXXX XXXX in the XXXX XXXX in XXXX XXXX. Arizona, Working in this area qualified me for a loan forgiveness program, Under this program, I XXXX full-time for XXXX complete and consecutive academic years and was an XXXX XXXX XXXX in a XXXX XXXX that served low-income families. my former district filed the paper work on my behalf, but the student loan services agency did not process it. I am reaching out to you because I have made many attempts, both via the phone and in writing, to communicate and try to settle this matter, with Navient and GRC but was not successful
Had legal action and judgement taken without any knowledge of such nor having papers served to me. The judgement ( XXXX XXXX XXXX for {$1100.00} was due to a continuous billing error I was fighting without the credit card company ever fixing their mistake, ultimately stealing the last {$200.00} payment I made, which they never recorded at the XXXX where I paid. Now, as I am needing to clear this up to purchase a home, XXXX XXXX, who has bought the debt, will not let me pay anything and resolve this until I sign a document stating I will not contest their collection even before they will give me an amount they claim I will owe!
XXXX XXXX XXXX is committing fraud. I pulled my credit report and I noticed XXXX XXXX is negatively affecting my credit profile.I never had a contract with them, I never agreed to do business with them, and I never received anything from them. They are stating they bought a debt from a creditor and they have been reporting since last XX/XX/XXXX. I have tried disputing this inaccuracy in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with them but they haven't sent me anything they just keep verifying to the Credit Bureau. XXXX XXXX is breaking the law, according to FCRA all information reported must be 100 % accurate not fraudulent. Please delete this inaccuracy / fraudulent information from my credit profile.
I read about Experian falsely reporting credit scores, and lenders not using the actual credit scores that were sold to me. At the end of 2016, I went to XXXX. I was n't able to see my score, only the information on my credit report. There was a marketing ad advising me that in order to see my actual score that I would have to purchase the Experian Credit Tracker service for {$24.00} a month. I did that. I just cancelled it last month. After reading about the fine that the US has implemented on them, I called them to request a refund for the service I paid for since those number I saw were misrepresented. I spoke with a woman who told me that since I cancelled the service already that she can not issue me a refund because she has no access into my account, which I think is absurd. Also that fact that I can not see my billing history with them through my account without being forced to pay for another month of service is absolutely absurd. I was advised by the rep that I spoke with that told me she could not give me a refund that my dispute case number is XXXX. Once I spoke to the supervisor, XXXX ( rep ID XXXX ) and she only offered my one month refund at a discounted rate ( {$12.00} ), I asked her for the dispute case number ( in case it was different since I was talking to a different person ) and she told me that they have no such thing, when I mentioned to her that a dispute case number was already confirmed with the previous rep she suddenly found a number to give me. A different number but a number non the less. The dispute number that XXXX gave me is XXXX. I paid a total of {$49.00} to Experian for 3 months of service. The first month was billed at {$24.00} and the second and third month was billed at {$12.00} and I would like the total for the three months, which is {$49.00} to be refunded to me. XXXX told me that the another reason I was only getting a partial refund was because the credit score given to me through the product that I purchased was only an " educational score '' because there is no way for them to know my exact score because things change so often with scoring. Its ridiculous that consumers are the victim of their false advertising. If in fact, my score was only for educational purposes, it should still be accurate, after all, education should always be accurate. Additionally, the fact that the numbers were not accurate should have been mentioned in their marketing information that I saw, that prompted me to purchase their service.
inXX/XX/XXXX2017 i paid in full a credit card debt that was in collection. i was sent a paid in full document dated XX/XX/2017. on XX/XX/XXXX2017 the company XXXX funding placed my paid in full account into a derogatory status as though i had never paid it. this dropped my credit rating by XXXX points and is against federal law related to paying collections in full. i was told my credit report would be updated within 10 days to a positive because i paid in full. instead they updated it negatively
I contacted the bureau and creditors many times about how and why this information is on my credit report I have not business with any of these accounts. Im XXXX from XXXX XXXX. I ca n't drive and I don't apply for loans I'm on a fixed income here. please help remove this information from my credit please.They don't listen to me ever. XXXX bless XXXX XXXX XXXX Status Closed Balance {$1600.00} Type Collection Payment Status Late XXXX   XXXX XXXX Status Closed Balance {$1700.00} Type Collection Payment Status Late Do you see errors in your report? SEE OUR DISPUTE GUIDE XXXX XXXX XXXX Status Closed Balance {$0.00} Type Installment Loan Payment Status Paid XXXX XXXX XXXX Status Closed Balance {$4000.00} Type Installment Loan Payment Status Late XXXX XXXX XXXX CO XXXX Status Closed Balance {$16000.00} Type Installment Loan Payment Status Late XXXX XXXX XXXX XXXX Status Closed Balance {$7100.00} Type Installment Loan Payment Status Late XXXX XXXX XXXX XXXX Status Closed Balance {$0.00} Type Installment Loan Payment Status Paid
USA Funds accounts were student loans that were taken over by XXXX. I am in good standing with all XXXX accounts, but the USA Funds are showing active and past due.
USA Funds account numbers 1-XXXX 2-XXXX 3-XXXX 4-XXXX 5-XXXX XXXX account number XXXX-XXXX  XXXX-XXXX XXXX-XXXX XXXX-XXXX XXXX-XXXX
XX/XX/2018, prior to obtaining a auto loan, I checked all 3 credit bureaus reports, as there were major discrepancies in my pre-approval XXXX  and XXXX score ( s ) ... 670-672 -vs- my monthly monitoring of actual scores results XXXX. 
Of the 3 credit major credit bureaus, Experian was only agency to include multiple errors. Multiple ( 5 ) accounts from my father 's ( Senior 's ) credit file ( credit card accounts ) were reported as mine, and applied to my ( Junior 's ) credit file/report. 
After consulting my parents, my mother ( auth.user of accts ), contacted the card companies, and each denied reporting the errors, each stating that they did not have my ( Jr 's ) personal information ( social, DOB, etc ) that would even allow them to make such reports/errors. 
All erroneous accounts were disputed with Experian as " not mine, not authorized user ''. ( I also signed up for Experian monitoring service to more easily monitor this problem ). 
Experian very quickly removed all of the errors, and sent me update stating corrections completed, file has been updated. 
However, on XX/XX/2018, when applying for an auto loan with XXXX XXXX, XXXX XXXX, etc ... all debt errors ( $ 24,000+ ) was still reported as mine, therefore causing my 'debt ratio ' to be vastly incorrect, and as a result, 4 auto loans companies have denied me credit stating " credit card debt too high ''. 
Hard inquiries are now present ( expected ), with very negative results ( not expected ), and long term results that should have never occurred. 
Today, XX/XX/2018, I was going to print, and send copies of Experian credit file errors/corrections to the 4 loans companies, in hopes that it by some miracle, it would help me, although very doubtful, now that they have a negative image of me. 
However, in trying to do so, only one of the many corrected disputes are showing as having occurred. Obviously, this will be in total contrast with the report ( s ) the auto loan co. 's have on file. 
Three of the five corrections were with same company ( XXXX XXXX XXXX  ). I don't know if this has anything to do with the lack of 'corrected results ' showing. However, when Experian reported errors as mine, they were reported individually, therefore should be shown as corrected individually. 

Thank you very much.
Navient has made it impossible to make payments on my loan. They would only take close to XXXX a month. My loans has since doubled because I am never able to make that large patent.
I had a check from a friends company deposited into my new chase college account now there is a restriction On My Account And I Cant get my funds I Really need help I just paid my car note off the card before the check was deposited
I am being hounded for a medical debt by a company that is not bonded in the state I reside in XXXX Texas XXXX. After numerous attempts to have them validate the debt with written proof that I am in an agreement with their company specifically ( XXXX  XXXX XXXX ) they failed to do so and only sent general information in the form of a bill for the account that I am not familiar with as I have no knowledge of this debt. 
I am asking that this account be removed from all credit reporting bureaus immediately due to this fact. 
My account number with the company is - XXXX. 

Please confirm receipt of this request an I look forward to its ' immediate removal. 

Thank you XXXX XXXX
Network Capital is calling me daily from different numbers. These are unsolicited and unwarranted calls. They do not leave a message. They do not stop calling even after told to stop calling
I recently received an identity theft alert on   XXXX   XXXX   from the  XXXX  service as I was a recent victim of the    XXXX   XXXX   data br each. This alert identified a new account in the amount of {$160.00} that was posted to my credit file on   XXXX   XXXX   by an entity name d Transworld Systems. I immediately called to place a fraud alert on my credit file.       Transworld Systems has never attempted to contact me about any debt in any amount before placing this on my credit report, and I a m completely unaware of the alleged amount ow or what it is potentially for.     I believe this is an attempt at identity theft and will also be filing complaints at the state level and considering legal action. I wish to file an initial complaint agains t Transworld due to th e fact that they have provided me absolutely no information of any kind or even attempted to contact me by mail or phone to explain what this bill is for. Nor has  Transworld sent m e any correspondence or bills tha t I may review o r dispute.
EQUIFAX, XXXX AND XXXX HAVE inaccurate information on credit report please let them know that my cra and ftc rights have been violated code protection consumer rights
I have a XXXX Visa Citi debit cards ( $ 100/card XXXX and realized the expiration was XXXX on XXXX cards. I called today and they told me they would not reissue the cards. The cards are definitely less than 2 years old so this restrictive timeframe is not consistent with the direction provided by your site XXXX that a 5 year time frame would be allowed XXXX.
I have sent multiple credit disputes to XXXX XXXX, XXXX, and XXXX  regarding my credit report. I was a victim of identity theft in 2012 when my License and my social was stolen. I have 5 inaccurate debts on my credit that I have never heard of or signed for. XXXX XXXX ( says charged off as bad debt ) XXXX ( has two separate accounts one says closed one says charged off ) XXXX XXXX ( charged off ) XXXX XXXX XXXX XXXX ( someone stole the car ) And XXXX XXXX
Our mortgage was suddenly sold from XXXX to Greentree mortgage services XX/XX/2013. We were n't notified of this or any changes until after the barraging phone calls started when we were 1 week late on our mortgage payment. I had just been put out on XXXX from a XXXX, and was formerly the main wage earner for our family. My husband had just started a new lower paying job after not working in this bad economy for over 2 years. His pay was sustaining utilities and food only. I was involved in a workplace lawsuit, and was having a hard time getting any benefits or payments established. I communicated this to Greentrees representatives who were very angry and harassing. We were receiving phone calls up to ten times a day, with threats of jail, them sending the sheriff to just take our home, they threatened to attach wages and take money from our bank account. Their representatives were even bold enough to speak to, threaten and scare our children. They spoke with threats of taking everything we own away. It got so bad at one point a lady told me that they did not have to go through the legal processes, and did not have to notify us, that we 'd just be thrown on the street and homeless! My children are very scared, and now have severe panic attacks. At one point after a phone call from a nasty representative, I was rushed to XXXX and treated for XXXX ... ( XXXX ) I was advised by my doctor to send a cease and desist letter to stop them from calling. I sent one certified letter but still continued to call and question the ability to correct and mitigate my mortgage situation. I was told each and every time that my excuses were unacceptable, and we could n't be helped. We at one point received a mitigation relief package from them, filled it out, then months later received a letter stating that we were delinquent on making payment to mitigate our situation, and therefore unable to receive help, when we were never notified of any mitigation? I kept in contact, despite their threats. I received pre foreclosure letters, but never anything on how we could be helped. We considered bankruptcy, but were told for chapter XXXX, I needed to have a job. I went through several rigorous appeals with unemployment. I now recently picked up a part time job, and tried to notify Greentree again, and received a letter from DiTech. It 's not clear if they are our new mortgage service. They are asking me to honor our obligation, but now I found out that Greentree just settled a lawsuit for exactly the same issues and harrasments my family endured. I need your help to be included in that lawsuit. I 'm formally documenting our harassment by Greentree in this complaint, and would like to make sure we have no further problems with Greentree
My XXXX XXXX XXXX Credit Card is not on my Trans Union credit report. In the past it was.
Capitol One has placed a delinquent account on my credit report. I have disputed the account and it still remains. I did not open this account nor have I ever used or had access to this account. It was turned over to a collection agency called XXXX and they are yet to remove this item after multiple attempts to resolve the matter. I received a statement from Capitol One several months ago stating this item would be deleted within 60 days.
I applied for a {$500.00} payday loan from Cash Central on XX/XX/XXXX. I faxed and emailed a Notice of Cancellation on XX/XX/XXXX that I was rescinding the loan. I also called Cash Central on XX/XX/XXXX and spoke with XXXX or XXXX at XXXX to confirm I was cancelling/rescinding the payday loan and written documentation had been sent. Cash Central contacted me back on XX/XX/XXXX that ACH transactions had been disabled on my account effective XX/XX/XXXX and I needed to return the {$500.00} by certified check or XXXX XXXX. I purchased a certified cashier 's check from my bank on XX/XX/XXXX and returned the funds to Cash Central by overnight certified mail. The cashier 's check was cashed by Cash Central on XX/XX/XXXX. I contacted Cash Central by email and telephone to confirm receipt of the funds and no additional penalties or interest would be deducted from my account since the ACH function was disabled on my account. I was assured by XXXX a service manager that no additional fees were due and nothing would be deducted from my bank account. On XX/XX/XXXX Cash Central deducted {$140.00} from my bank account without my knowledge or authorization. I do n't owe them those funds! I want the funds returned to me immediately!
I have an account with XXXX who still show open with a balance and was send to collection without my knowledge. I want this issue to be fixed immediately. I want the collection to be remove in the time manner. I start received calls from collections agency about the debt that I will not know why in collection.
I have for many years tryed to find out about my loans and payments its been over 4 years since I have recieved any bills or even mail from them. I get things from the government but not from the lender. I was told that my credits would transfer if I went to a different college to find out that is false. Not one of my credits are eligible at any college. I would have never went to the private college XXXX. XXXX  is shut down because of that reason.
I fell behind on payments late XXXX and went through loss mitigation. Thankfully, I was allowed a modified mortgage in XXXX XXXX, made my 3 trial payments but the modification documents were not finalized until XXXX XXXX. I have made mortgage payments in accordance to the loan modification agreement for XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. Some payments during that time were returned to my bank by the mortgage company for various reasons, resulting in my having to pay the bill by phone to ensure acceptance. The mortgage company is also falsely reporting on my credit report, stating that we are more than a year delinquent! 
Meanwhile, I had been receiving mortgage statements that had not reflected my payments. When I started to receive phone calls and letters from the mortgage company stating that I was behind on payments, I always called and talked to numerous agents who always assured me my account was fine and not going into foreclosure. I even called for verification after receiving the HUD letter, loss mitigation packet, and a letter from a local attorney stating the mortgage company was foreclosing. I was again reassured that my payments had been processed and my account was not going into foreclosure. 
This week I was served a summons from the local sheriff that stated the mortgage company was moving forward with the foreclosure. I called my mortgage company, very upset and was ensured a call back within one business day. I have yet to receive a call back from the mortgage company. I finally talked to many agents from the mortgage company this morning, stating that the information has been handed off to a supervisor to discuss with foreclosure department. I can no longer accept a verbal reassurance from the mortgage company that this problem has been resolved, and am looking for some sort of document as proof.
I have called and sent information regarding inquiries on my credit report and they refuse to remove the inquiries that are not mine on my report. I am a victim of identity theft and its stated on my report. I was told that I have to get a letter from the company stating that I did n't apply for credit, I am getting the run around from Equifax and the actual credit company. I should only have XXXX inquiries on my credit report.
I WAS NEVER PROPERLY SERVED WITH A summons, XXXX XXXX & XXXX XXXX XXXX enter a affidavit for garnishment on XXXX/XXXX/XXXX WITHOUT ALLOWING ME TO DISPUTE THE DEBT OR VERICATION, THE WAY I FOUND OUT THERE WAS A PROBLEM MRS.RHODES THE PRIMARY ACCOUNT OWNER WENT TO XXXX XXXX THAT WAS WHEN THEY TOLD HER ACCOUNT WAS FROZEN ON XXXXTHEY ARE BREAKING THE LAW IN MANY WAYS GOING AROUND OUR BACK TO COLLECT ON A DEBT THAT I REQUEST FOR VERIFICATION, ATTACHED IS WHAT XXXX XXXX SEND TO ME ITS A TRIAL CALL ORDER ENTER FROM DIFFERENT LAWYER ON XXXX/XXXX/XXXX
I went into a XXXX Branch at XXXX. to open an additional checking account. The banker saw all of my accounts with them and offered a Home Equity line of credit product. I gave her and her manager my information on my home. I advised them that XXXX had my mortgage and my Principal balance was $ XXXX. They estimated my properties value at $ XXXX without an appraisal. The were working on their calculators and insisted I had enough equity to apply for the line of credit so I started the process. I received a call 2 days later from the manager and he told me I could not move forward with the application. I asked why not? He said there was an issue because my mortgage was not with Citibank. I said I told you from the beginning it was not with Citibank, that it was with XXXX. You even told me that was OK and did n't matter. Then he stated because there was not enough equity on the property. I asked how much was needed? He gave me a number over $ XXXX. I said you already knew I did n't have that because I gave you the numbers. No I have unnecessary inquiries on my credit report. He stated it would n't impact my credit because I had such a good credit rating. I stated I 'm not comfortable with what they did and I wanted them to contact the credit bureaus and have them removed. He said he would get back to me in a few days. 

They should have known that I was not even going to get far with the application process. They knew the numbers were way off to getting approved. With the numbers they had through our conversation, the equity was somewhere around 9 %. When he called me, he said 25 % or 30 % was needed. 

I feel like they just wanted my application to meet some quota. They submitted my application knowing I did n't have enough equity. Is this what Citibank is coming to?
Navient is not communicating fully about the loan amount they're not reviewing documents or responding back after review documents over the phone and emails I've provided also ones that were carbon copy to them as well as myself the original subsidized and unsubsidized copies from data base online showing over payment. I've asked for copies of returned checks which the XXXX XXXX 's XXXX XXXX nor Navient could provide but state that the amount disbursement was one amount one document were documents provided earlier by NSLDS with different amount. So I'm contacting your company to help me address these issues. That they are ignoring. I've been told I would be contacted I have copies of emails where appointments were set and not held. With XXXX XXXX