WillisBack/dataset-financial-user-claim huggingface dataset:
I am having issues with Google I have a balance of  XXXX  on my account for purchasing  Google play  cards in the last week I have had my account closed are I purchased these and redeemed them upon doing so I made a new account and had the money switched to another account in which they closed it as well I have been on and off the phone trying to get my money refunded back and I 'm being told they wo n't give it back I was stolen from to begin with which is why they say they closed it initially I understand that but I made a new account and they still closed my account and are unwilling to return my money back to me I feel this is illegal for them to keep purples money like this I should not be penalized for someone having my account
I have a child support arrearage dated XXXX at {$11.00}, XXXX. I currently have filed a lawsuit in XXXX Court that my rights were violated in relation to this due to improper service of summons as I was homeless when the judgment proceeding happened and a summary judgment could n't be made this will get started by XXXX XXXX, XXXX. Since XXXX I have been working and paying child support plus 20 % toward arrearage per state law. I was charged prime+10 % interest for this arrearage, which doubled the amount to around {$25.00}, XXXX over 2 years, when I was n't employed and homeless. Despite having the interest turned off after one or more years of on time monthly payments, it is still reporting as the wrong amount, and despite my on time monthly payments through the state, it still is now reflecting as 120+ days delinquent on my credit reports. I have submitted complaints to XXXX and Equifax to get the right amount from the state, but they have not. The state DHS Child Support office tells me the balance is below {$24.00}, XXXX, although the county currently still tells me it is above {$25.00}, XXXX. It is reporting wrong. With no interest compounded since XXXX, and the +20 % payments each month of approx. {$120.00} per month, it should be getting smaller, not larger. I estimate it should be less than {$23.00}, XXXX There are no Public Assistance Arrears associated with this either.
I was checking out for a {$200.00} purchase at Kohl 's Dept Store in XXXX, NJ and planned to use my VISA. The checkout clerk tried to have me apply for a store cc which I declined. Then in the process of using the VISA there were multiple questions on the keypad. Asking me to type in my name, asking questions about my citizenship and finally asking for my SSN. I refused to provide my SSN and they would not process my VISA. The store clerk told me it was the law and that I had to enter my SSN to use my VISA. I know that to be false but he insisted. I suspect the store had some kind of sales promotion for the checkout people and he was trying to capture my information to get the sales promotion rewards. I imagine that people not aware of the law may be duped into providing Kohls their SSN.
I requested my credit file not my report, I needed to know what paperwork/contents were, how  XXXX   XXXX  and   XXXX  /Equifax was verifying erroneous account information. Under section  609 o f FCRA I am entitled to this informations, All companies refused, the reps have no idea of this act or section I was referring to.   I last spoke to  XXXX   XXXX   XXXX / XXXX /  XXXX  , the reps and supervisors do n't know the difference between a credit file which should contain, contracts with my signature for each creditor, I asked for who verified the information, how it is being verified This fell on deaf ears.   I am disputing an fraudulant account
Capital One Card is showing a missed payment from XX/XX/2018 - payment was not missed or notified of missed payment.
I am a XXXX XXXX  employee in XXXX status due to the XXXX. Toyota Financial Services has offered help to those affected that have good standing loans/leases with them. My lease is in good standing. 

To my surprise, they offered me a 60 day deferral ( moved to end of lease ), for a fee of approximately {$290.00}. I was shocked! They are not helping us, they are helping themselves to additional charges to XXXX XXXX that are vulnerable. 

I have contacted 3 other financial institutions that I have business with. All agreed to defer one or two months, interest and fee free. 

This is wrong.
I paid receivables performance management for a XXXX debt owed. Original debtor was XXXX. The debt was paid years ago and I have statements proving so, however, they have reopened the debt and placed it for collections on my XXXX credit report.
The company has contacted me at my place of employment twice. The company interest rate is well over of the cap for the state of Minnesota. They are not registered with the Minnesota Department of Commerce to make small consumer loans in Minnesota. Also, they tried to withdrawal funds on XXXX using check number XXXX. I never provided this check number to the company. 
I was unaware of my rights after the fact.
Applied and was accepted by American Express Gold Corporate Account. In the course of Activity, parties unknown accessed the account, illegal created 4 addtional accounts, continued to cahrge with out authorization using the Company Name and American Express. It appeared to this former Company Officer that Company Vendors and Merchants were used to access Company Charging Activity to develope customer profile of sole authorized user. In additon, XXXX XXXX XXXX indicated that the legitimate Company Charging Activity was not recorded in the proper Calendar Year of 2015. Individual Transactions, hard copy records in possession of sole authorized user, currently inacccessible. However, this user has in Response to American Express Collection Attempts which included State Supreme Court Action, requested in writing and verbally over recorded collection telephone conections with American Express Call Center and Fraud Operations Staff requested copies of the entire active account history in attemps to located illegimate transactions to no avail.
I had a credit card with XXXX XXXX which had a charge for a service which I did not receive. I refused to pay the charge and closed the account. They show a charged off account on my credit report. This is a disputed charge for a service I did not receive and it should not be on my credit report. Though the amount was much smaller, XXXX XXXX kept adding interest and late charges and the total charge wound up to be {$550.00}. I was in a local hospital XXXX. During this time, I was XXXX got sicker as a result ... wound up sick for nine week. I called the hospital, complained and refused to pay my share of the bill ... {$150.00}. The hospital sent the bill for collection and it wound up on my credit report. XXXX these items are disputed charges which XXXX XXXX Bank, the vendor involved and the hospital have refused to dismiss even though they were not legitimate bills and should never have been due and payable. I have asked Trans Union and the other credit reporting companies to remove these charges from my credit report, but they consistantly refuse. My credit, which should be exemplary, has been destroyed for uears as a result.
We took out parent plus loans for our son the college just kept adding to our plus loans and not to my sons loans. 
We have been struggling since 2005 with major health issues at this point my wife is on XXXX her loans are on hold. 
The only help Navient and Salliemae gave was deferred payments and forbearance every year a struggle to get some help only option was forbearance. 
We are now expected to pay more than our mortgage payment on these loans which would make us homeless. 
We have been sending a {$100.00} good faith payment all we can manage at this point. 
We are not refusing to pay but stop charging interest on top of interest and help us so at least a payment makes a difference we will never be financially sound as we grow older and retirement and old age faces us. 
No amount of talking hours on phone even to ombudsman can get any compassion in the meantime a XXXX XXXX loan is now almost 75000 $ something has to be done. 
As the person at Navient said the compounded interest pays my salary therefore no incentive to be of any help.
On XXXX at around XXXX PST, I tried to request my annual free credit report for Experian, I got this error message, '' XXXX XXXX XXXXXXXX We 're sorry A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the XXXX XXXX XXXX XXXX form. 

XXXX XXXX XXXXt XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX ''
I was contacted by a company called XXXX XXXX. They called me using a blocked number and told me they were XXXX XXXX XXXX asking for a relative of mine. I told them they had the wrong number and they proceeded to tell me it was in regards to an arson incident and had me write down case number, phone number and company name to give. That it was so urgent and involved legal documents needing to be sent. Out of curiosity I called the number to see if it was legit and this is how I found out who the blocked number the woman called from belonged to. A representative for XXXX   XXXX XXXX answered, gave a name and I told them I obviously am not who they are looking for. They asked for the " case number '' to see what was going on. I asked how they got my name and number when I know this relative does not have it. He claimed he got it from my relative 30 days prior. That it was the main contact info given. I told him that is impossible and he cut me off claiming it's the info given as contact and until they reach my relative there is nothing they can do. I asked what this is even in regards to and that the woman from the other company they work with said it was something about arson. He claimed he could not give me any further information and that they were a civil mediation company. So in response I asked if it was for a debt and he replied no. It was to talk to the relative and be the middle man in a situation and if the papers he needs to get aren't given then there will be legal consequence and he could be picked up. I told him I don't know where they are and this is not their number so if they will not stop calling I would pursue other legal means to stop it. He again said they can't take my number out and just to relay the information to the relative and that was it. The relative they are looking for is not involved with any mediation lawyers. Not to mention, I have never heard of any arson cases involving this type of lawyer. We live in IL these lawyers are not based in our state either.
Jefferson credit systems took over my credit card account. I lost job and had baby and got way behind on the card. Meanwhile Jefferson has not called me at home, they have called my new employment and family members and now they are trying to garnish my wages
This Complaint is against Equifax XXXX. XXXX XXXX XXXX, GA XXXX On XX/XX/2018 I have sent a dispute letter to Equifax certified via mail tracking # XXXX and letter was received by Equifax on XX/XX/2018. I waited 43 days for a completed investigation and response from Equifax and still did not receive anything in the mail from them. So on XX/XX/2018 I sent a 30-day non-response letter certified via mail tracking number # XXXX and was received by Equifax on XX/XX/2018 stating to Equifax to remove all negative accounts that I have disputed with them on XX/XX/2018 because Equifax failed to show proof of debt and failed to respond to my dispute with in 30 days by law. Equifax then sent me and updated credit report via mail on XX/XX/2018 credit report confirmation # XXXX and in that report they did not update and delete all accounts that I have disputed with them on XX/XX/2018.
Earlier this year, I refinanced my mortgage with Freedom Mortgage. 
In XXXX, my mortgage was transferred to XXXX Mortgage. 
My XXXX mortgage payment was sent to Freedom Mortgage, For the past FOUR months I have been trying to get Freedom Mortgage to send that payment to XXXX. I continue to be bombarded with calls and letters telling me of my delinquency. I have called over 40 times XXXX, I keep getting told I will get called back. No one calls me back. The only numbers I have are toll free numbers. People I have talked to about this problem include : XXXX XXXX, " XXXX '', " XXXX '', I asked to speak to a supervisor, XXXX XXXX XXXX, left countless messages-he never got back to me. I am worried about my credit rating, I am beyond frustrated. I need your help! Please!
A debt has appeared on my credit report from EOS CCA for some time. I have tried to dispute it in the past and it has never been removed. The original debt is from XXXX XXXX, a company I have not done business with in over 6 years. They are unable to provide me with any proof from this and it continues to appear with a new date every year.
For the last few months, I have been making payments of $ XXXX- {$35.00} OVER the minimum payment in order to reduce the cash advance balance, which has a higher interest rate. For example, my minimum payment in XXXX was {$54.00} but I paid {$85.00}. The purchase balance was {$60.00} at 15.99 % and the cash advance balance was {$1900.00} at 20.99 % interest. I did make one purchase  on this card last month in the amount of {$20.00}. I received my new statement today. My purchase balance went down to {$29.00} and my cash advance balance went up to {$1900.00}. I thought that payments made over the minimum balance were required to be credited to the higher interest balance first, but it isn't happening. I contacted Chase last month about the same issue, because I again paid {$27.00} over the minimum payment in XXXX, with XXXX purchase of {$24.00}, yet my purchase balance dropped to {$60.00} and my cash advance balance increased from {$1900.00} to {$1900.00}. They claim that they are applying my payments properly, but I disagree. Isn't it illegal to apply extra payments to the LOWER interest rate balance first?
I had an accident on XX/XX/XXXX, the car was total, it was a XXXX car accident so the person that caused the accident insurance paid my lien older, they said my car was an older year car so I guess they did n't pay out much to my car lien holder ... my car was an XXXX my lien holder was US auto credit, they have put this on my credit as a repo which is making it hard for me to get a next vehicle, we called them to ask if you got payed from the insurance company, ( XXXX ) why did you put this on my credit ... they said the payout they got from XXXX company was not enough, now US auto credit put this on my credit as a repo and every 2 months they add more money to the account. First off I was it from behind the accident was not caused by me, the person insurance ( XXXX ) even sold the car to copart a place that buys accident vehicles so the can sell to the auction, I contacted XXXX who told me who to talk to at XXXX company, and that 's how I found out the payed my lien holder.but now US auto credit is asking me to pay them as if from I have the car in XX/XX/XXXX I only paid them 2 months, I have paid them up until XX/XX/XXXX, I had the accident XX/XX/XXXX ... please please please I need your help I have XXXX kids that I am having problems taking to school and picking up back because I also have to go to work, I just need some help please, because they put this as a repo I ca n't get a vehicle it 's so hard ... please and thanks for your time and help.
I received a letter dated XXXX XXXX, 2016 ( the " XXXX XXXX Letter '' ) from JP Morgan Chase Bank , NA ( " Chase '' or " the bank '' ). A scan of the XXXX XXXX Letter is enclosed herein as Exhibit # XXXX. I have had a checking account with Chase for over 15 years. On XXXX XXXX, 2016 I checked my balance by using the bank 's text message service. The text message response from the bank indicated balance of {$1700.00} in my account. A copy of the text message I received from the bank is enclosed under Exhibit # XXXX. On XXXX XXXX, 2016 I went in person to the bank 's branch in XXXX XXXX XXXX ( the " XXXX branch '' ). The teller at XXXX branch informed that I have {$1700.00} in my account. A copy of the receipt the teller produced is enclosed as Exhibit # XXXX. On my request the teller withdrew {$1700.00} from my account. A copy of the receipt the teller produced after withdrawing {$1700.00} from my account showing the remaining balance of {$0.00} is marked Exhibit # XXXX. The XXXX XXXX Letter alleges that my account has been overdrawn. Evidence described above and presented herein demonstrates that my account has not been overdrawn. I disputed these allegation by sending the bank a letter via XXXX CERTIFIED MAIL No XXXX XXXX XXXX XXXX XXXX that included all Exhibits stated in this complaint ( the dispute letter ) and asked that the bank reimburses me for excessive fees the bank has charged my account for the allegedly overdraft. The bank has ignored my dispute letter and charged my account with numerous fees including allegedly Insufficient Funds and Extended Overdraft fees. My XXXX XXXX dispute letter clearly stated that I dispute these allegation and notified the bank that should the bank continue to charge my account with these unjust fees I will have no choice but exercising my legal options. XXXX XXXX XXXX, 2016 at about XXXX a bank representative made a harassing phone call to my cellular phone, demanded that I pay money to the bank, and threatened that the bank will report me to debt collectors and financial institutions.
Case number : XXXX Case Number : XXXX in reference to previous complaint listed above Penn Credit today just sent another demand for payment after no communication of 3 months upon receiving notice and verification that this debt was paid by XXXX services for both XXXX XXXX and National Grid and I am now repaying social services. I had uploaded all relevant documents on your website, Including asking for debt verification from Penn Credit via certified mail.
Completed the course that I was signed up for. Finished paying the in school loans, and was promised job assistant when I went to applied for those jobs in which the school referred me. They saw the school I had graduated from and the time that I graduated, I was then told that my diploma/certificate was invalid due to credential loss half way through my education. I was told that in order to rectify this and be able to be a candidate or the position then I would need for the position, it was recommended that I return to school and redo my credentials. 
I called the school, they told me, that everything was fine, if there was more credential needed, I would need to return to the school and re apply for that course. Even after explaining my situation they advised that in that case it would be in my best interest to return to school but that I would have to pay for the course again and that they would help me reapply for all the same loans so that I could come back and redo the course. Receiving no understanding for the situation that I was in due to them I was only offered a change for me to come back in and speak to another councilor and that they would be more that happy to redo all the loans in which I already had again and could n't pay for, and that I did need to understand that any new loans would be in ADDITION to all the current loans. I asked why I would want to do that when I could n't pay for what I already had because I could n't get a job as promised when I signed up for the course as I was unemployed at the time of enrollment but was promises that that was n't a big deal as at the end of my course I would be assisted in job placement so that I could repay every loan that they signed me up for in the first place. Which in all fairness I do n't understand how they could possibly tell people who had no form of income to come on in and sign up for thousands of dollars based on a promise that they would in fact help make it so that I could repay them and still have money left over to support myself and my family all of which today I am learning were lies. And I want to report this as a fraud. Therefore, I need documents to file a fraud against Navient or XXXX XXXX. I am still refusing to pay this due to not even working in the XXXX, per say as my dream job. It has been ruined, so I have chosen a different career. Thanks.
I had a medical debt show up on my credit report, I disputed it and there was a lack of proof, so the credit bureaus took it off ( around XXXX ). A month or so later a new bill in the same amount for the same false medical bill showed up under another name ( PHNX FINAN ) in the exact amount ( {$1600.00} ) on my credit reports. I was not notified that a debt was sold or purchased. I called the company PHNX FINAN ( Phoenix Financial ) at XXXX and asked them to send me proof. This was around XXXX XXXX, I believe. A couple weeks went by and I received nothing. I called back and they asked me to wait a few more days. I called back a week later ( not sure of date ) and she stated that it showed that it went out on the XXXX, but that she would send out another. I never received anything from the company. I spoke with XXXX today, XXXX XXXX, XXXX, and she stated that she sent it out ( inferring one time ), I said well I have not received anything and I have sold that house and need to give you the new address and would you send a copy there. She said that she was not going to send me out another copy. I am not responsible for this medical bill and my rights have not been upheld by this company.
Navient.com is calling my number  XXXX  every day from different numbers. I have no business with  Navient.  I called the numbers received and I get an automated answer asking for social security number or loan number. Please advise on how to stop these calls..
At XXXX XXXX on XXXX XXXX, 2017, there was violent pounding on my front door, repetitive ringing of my door bell, and flashlights shining in all my windows. I called XXXX. When the police arrived, they announced a gentleman was looking for a XXXX XXXX. Turns out, the recovery agent at my door was looking for my former spouse. I was NEVER on his loan, NEVER on the vehicle title, NEVER a co-signer, etc. I did not live at my current address when my ex opened the loan, so it 's unclear how the lender obtained my address. The recovery agent told me, and the police that I was on the loan. I advised I was not. I asked for proof that I was on the loan, and he would not provide it, because of course, there was nothing to provide. The recovery agent threatened return with the sheriff. Once normal business hours rolled around, I called the lender and advised them that their agent violated the Fair Debt Collection Practices Act, as well as threatened me. I also wanted to confirm I was not fraudulently added to the loan. By giving my ex-husband 's information, they could confirm I was not on the loan, and did say they would enter a cease and desist order for me and my property. The lender did have my name and address. I was NEVER listed a reference on my ex 's auto loan. Lender advised they got my information through a skip-trace service.
Im showing inaccurate information on my Credit report that is not mine & I have disputed with Equifax before which was removed & now XXXX XXXX XXXX has re appeared back on my report .I have explain to Equifax that I was a victim of fraud.Federal law requires that Equifax provide mechanisms to ensure that each item on my report actually belongs to me. Please have the following item deleted as this is inaccurate.
XXXX XXXX XXXX XXXX. Had a disagreement w/ XXXX. Refused to pay. 
XXXX closed account due to lack of Pmt -- XXXX XXXX. Did not report pass due till XXXX XXXX. You ca n't have it XXXX ways. When does the clock on 7yrs start ticking? 
Spoke with EQUIFAX -- -AGAIN today. Was told by someone who spoke very unclear english that it will NOT come off till the balance is PAID. Also that the time ( 7yrs ) starts when it was turned over to the collection company. We went over and over and over the legality of this -- - to NO avail. Very Frustrated. Please help. XXXX yrs old. XXXX Vet. Trying to obtain a VA Mortgage. Both XXXX and XXXX agree on the report times ( 7yrs ) and have removed. 
Thank You So Very Much For Your Help, XXXX XXXX XXXX