WillisBack/dataset-financial-user-claim huggingface dataset:
I received a Netspend Mastercard in the mail. I never ordered it. I called the number on the card and spoke to someone in the XXXX who said I should just throw the card away. That is pretty bad advice since anyone who finds the card could activate it. I am appalled that they sent a card that was never requested. This is an invitation to identity theft. It was very difficult to even get a person to talk to because the automated system kept asking me for my social security number and date of birth because it did not recognize my account because I did not activate my card. I did some research on line and there are lots of complaints from people who received a Netspend card and did not request one
I booked a flight from XXXX to XXXX XXXX, then XXXX XXXX to XXXX and then from XXXX to a resort destination in the XXXX, all through XXXX XXXX. However, because XXXX XXXX is incompetent, my flight, XXXX, never left XXXX at its scheduled time. The flight was eventually cancelled and I was put on another flight eight hours later. This caused me to miss my two connecting flights, XXXX and XXXX. 
No fewer than four XXXX XXXX gate agents ( one in XXXX and XXXX in XXXX XXXX, where the flight had to make an emergency stop ), one customer service agent reached by telephone named " XXXX, '' and XXXX XXXX 's own public relations department, all promised me full refunds of my XXXX XXXX flight because I had missed connecting flights that I had to re-book myself at my own expense. Since I returned stateside, XXXX XXXX has refused to communicate with me about this issue and has in fact sent several demeaning and unprofessional e-mails to me. 

After filing a dispute with Synchrony Bank on XXXX XXXX, I did not hear back from them until XXXX XXXX, informing me that they are denying my dispute. Synchrony Bank had the audacity to claim that they sent multiple letter to me, when in fact they did not communicate with me at all between XXXX XXXX and XXXX XXXX. I then filed a complaint with the CFPB in late XXXX. I just found out that the CFPB for some unknown reason closed my file. I have not heard from Synchrony Bank since XXXX XXXX. I am re-filing this to obtain some sort of communication from the bank.
XXXX XXXX has been closed since 2017, furthermore account was transferred to XXXX  XXXX XXXX   in XXXX. Both XXXX and XXXX were reporting the same account on my report which is unlawful after it was sent to collections. Now after creating a dispute you have the account listed as open. There should not be late pays from XXXX until now because the account was charged off and closed and another company was reporting.
I owed money to a credit card company called Barclays Bank in XXXX and received a chapter XXXX bankruptcy discharge in XXXX.. since then I have had trouble on occasion with getting loans and have discovered every time It 's disputed they put it back on my report and this to my knowledge is against the law. I HAVE SUFFERED WITH HIGH INTEREST LOANS BECAUSE OF IT. I WANT TO SUE THE BARCLAYS BANK AND ALL THE CREDIT REPORTING AGENCIES FOR NOT FIXING THIS PROBLEM. I had my attourney try and take it off twice since my discharge and it keeps coming back. I have the same problem with XXXX XXXX XXXX but already collected a small class action settlement from them but if they still refuse to take it off can I sue them directly? I deserve compensation for my troubles and am tired of fighting these bully banks and lazy credit reporting agencies that do nothing to keep truthful information.
I called the company last week after repeated phone calls at all hours of the day - many before   XXXX   XXXX  .     They told me what the debt was and I said that I had no instance of this being something I owed - it was for service I never had. They told me to submit a letter arguing the debt. Which was a week ago today on  XXXX  when this phone call happened.     Today I got a concerned phone call from my mother saying they had called at the specific number looking for me. A few weeks ago I received a call from my uncle saying that the company was looking for me as well.     I do n't have the phone records tonight from my mother, but I can get her those as well as those of my uncle who also received harassing calls. And I will gladly publish mine - including my calls to them.     And the names of all that I spoke with.
I scheduled a payment with my XXXX credit card to be withdrawn on XX/XX/2018 in the amount of XXXX.. 
XXXX went along and withdrew the money on the XX/XX/XXXX with no problems yet my bank did not remove it from my account till the XX/XX/XXXX. Now because it was days later I did not take into account that that was still an outstanding debt that needed to be taken care of and went overdrawn. 
It just seems like a malicious practice on fully intending in making the account go overdrawn
I was denied credit due to a collection account that appeared on my credit. I saw that it was NCB MANAGEMENT SERVICES. They never sent me a notification or anything they just put it on my credit. I sent them a dispute and a request for validation of the account. I never owed anyone XXXX They also re aged the account as well. This has been going on for 95 days and NCB refuse to answer me. They continue to report this inaccurate unverifiable information on my credit.
I got XXXX in approximately XX/XX/XXXX/XX/XX/XXXX for the home of my elderly mother and XXXX sister. It was a two year contract. My mother died the following XX/XX/XXXX. My sister had to go to a XXXX the following XX/XX/XXXX. I called XXXX and asked if I could therefore be released from the contract. They said that since it was in my name ( I did not live at the house ) that I had to honor the contract, even though no one was living there. I honored the contract and paid monthly until it was finished. Before it was up, I called to cancel it. I was told I had a {$0.00} balance and that they would send a shipping box to me so I could return the box ( receiver, whatever it 's called ). I never received the box and called back. They had sent it to the wrong address -- one I had never heard of. Then they sent it to the proper address and the box was shipped to them. I later received a bill for {$16.00}. I called and talked to several people and said I did not owe it and thought the matter was settled. Then I received a COLLECTIONS notice from Stellar Recovery, Inc. I wrote on the statement in black magic marker that I did not owe XXXX. I never heard from Stellar Recovery again and assumed the matter was closed ... .I recently looked at a copy of my XXXX credit report, as my credit score had plummeted from nearly XXXX to XXXX. I see on the report that Stellar Recovery reported me for owing XXXX {$16.00} ( with a notation that it was originally {$17.00}? I never heard of the {$17.00}! ). I want this charge to be completely removed from my report, and I want Stellar and XXXX investigated. It would be very nice if I could get a refund for the last year, after my mother died and my sister went to the XXXX, but that is n't my main complaint ; I want the {$16.00} TOTALLY removed from all credit files ... I realize that many dishonest people take advantage of utility, cable and phone companies, but I was being honest and attempting to do everything correctly. I see now that I should have contacted you concerning XXXX refusing to release me from the contract after the death and move to the XXXX in XX/XX/XXXX. And Stellar did NOT contact me in any form or fashion after I sent the dispute to them saying I did not owe the money. If you can not get this off of my credit file, I would like to know what legal resources are available to me to sue them. I am NOT going to live with destroying my credit for the next six+ years. I would probably have paid the {$16.00} they said I owed if I had known the matter had not been corrected and it was going to go against me. All of phone/cable/satellite companies apear to take advantage of those who try to be honest, as I previously had a battle with XXXX continuing to charge me after I had cancelled my service and have recently had to battle XXXX over charging me for internet service for five months after I moved and it was cancelled when I moved out-of-state ( resulting in having to spend four hours on the phone, speaking to 15 different people ). These companies seem to think they can charge whatever they want, and they make it nearly impossible to get the issues solved.
I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : XXXX 150 days past due as of XXXX XXXX 120 days past due as of XXXX XXXX, XXXX XXXX 90 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX 150 days past due as of XXXX XXXX 120 days past due as of XXXX XXXX, XXXX XXXX 90 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX 150 days past due as of XXXX XXXX 120 days past due as of XXXX XXXX, XXXX XXXX 90 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX 150 days past due as of XXXX XXXX 120 days past due as of XXXX XXXX, XXXX XXXX 90 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.
They keep calling even after payment arrangements have been made and they demand more money than what has been agreed. The excessive calls and harrasment gets on my nerves because Im working and they keep calling day and night
Credit card account from USAA has multiple charges that are not mine and were unauthorized. Charges were made by ex-spouse XXXX XXXX SSN XXXX. Ex-spouse was in XXXX and I was in the United States while these charges were made. I have tried multiple times to explain this USAA and to come to an understanding to resolve the issue. A resolution has not been met. USAA has reported this account as a charge off and continues to report negative derogatory every month for the past year damaging my credit score. 

I do not wish to establish any credit card account with USAA. Please see attachment regarding unsigned authorization to re-establish the account on my credit file.
XX/XX/XXXX - settlement on account ( after taking advantage of my older grandmother for {$14000.00} after offering me to settle for {$8000.00} ) XX/XX/XXXX/XX/XX/XXXX - settlement letter sent from XXXX XXXX in response to XXXX XXXX request to verify the debt. ( Not received - info provided on a recorded line by a supervisor ) XX/XX/XXXX - charge off on XXXX XXXX account. 
I called and spoke to 4 different people. The supervisor, XXXX # XXXX, informed me they made a terrible mistake. He insisted he would escalate this and have it retroactively applied to my credit report to show it was paid in XX/XX/XXXX. 
Called again Various times throughout XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I asked XXXX how they can charge me off and at the same times months prior send me a settlement letter showing it was paid. That is the definition of willful neglect. To send me documents that say we no longer owe and then months later XXXX my credit report.
RE : TD BANK COMPLAINT In the Spring of XX/XX/XXXX, I received my yearly request for proof of my hazard insurance from TD bank where I have a small mortgage on a home. I sent proof to the fax # they provided in their letter. I sent it 2 times. On XX/XX/XXXX I received a 2nd notice that they did not have receipt of the insurance. I then had my insurance company send it. 
On XX/XX/XXXX I called the number on the letter and spoke with " XXXX '' who confirmed the bank 's receipt of the homeowner 's insurance policy. I faxed it again to the name on the letter. ( attached ) I received another letter dated XX/XX/XXXX, still not acknowledging receipt of the policy. I then on XX/XX/XXXX,  XXXX XXXX, again called the number on the letter and explained, again, that I have sent and received confirmation that the bank had my insurance policy on file. I spoke with " XXXX '' and she verified the same. 
Again, I called on XX/XX/XXXX ... ditto. 
I received a TD bank monthly payment notice for XX/XX/XXXX stating that on XX/XX/XXXX my mortgage amount would be going up from {$1800.00} to {$2400.00} automatically deducted from my checking account. I called again on XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX I spoke with XXXX who again stated it had been corrected and would have a supervisor, named XXXX XXXX, call me to confirm this would be immediately corrected and I would be credited the overcharged amount that they withdrew from my account. 
I called again today, XX/XX/XXXX and spoke with " XXXX '' who said a supervisor would call me back. I said I would like to speak directly to a supervisor and she transferred me over to " XXXX '' who again apologized and said the escrow dept was at " year end '' deadline tomorrow but should get back to me tomorrow. 
This is a fraudulent, bogus business practice. I have been trying to get this resolved for 8 months and now they are overcharging me for duplicate insurance. This is highly unethical and illegal.
Previously had filed a complaint through the CFPB ( case # XXXX XXXX. Premier Portfolio Group had finally after the deadline came back with this response : We dispute the claims presented in this complaint as our company does not practice beyond the guidelines of the FDCPA. Our company will close this account, and cease and desist all further communication with the consumer. 

Today XX/XX/18 received another voicemail from them threatening legal action. This is ridiculous. What is it going to take to get this company to stop what is obviously a scam. I believe I have enough now to take this case to the attorney general either in the state they are located or my own state 's attorney general. These people need to be stopped!
I have been trying for over 2 months now to remove a Collections Account which Experian says is mine. I have never lived at XXXX XXXX in XXXX, NJ. 
I have tried to call them and they refuse to remove it I have never lived there nor have I ever applied to rent an Apartment there. 
Please remove this item as I am trying to buy my first home, and I have never had any issues with the other credit reporting agencies, they have removed this item which XXXX is showing that I owe, which I do NOT, since I have NEVER lived there. They are also refusing to remove a false last names which I have NEVER used. I have NEVER used any other last name, except my own-XXXX. 
Thank You for your help in this matter. 

XXXX XXXX
There is a loan on my credit report for Speedy Cash and a duplicate for XXXX XXXX for the same debt. 

I did not apply for this loan. I have requested documentation to prove that this loan was applied for by me and the debt collection agency gave me a checking account and said the money had been deposited into this account. 

I have not used the checking account for more than 5 years prior to the date of when the debt collector said I applied for the loan. I attempted to speak with the debt collector and I have on a recorded phone file where the debt collector threatened to have me arrested at my place of employment. The debt collector also told me that they would call my HR department and garnish my wages. On another day, the debt collector called and stated he was a police officer. 

I made a police report and the Police Dept in XXXX said that there was a scam going on and that this had occurred to many people where there identity had been compromised. 

My identity was compromised during an employment layoff in 2009 by the State of Texas XXXX XXXX and this is the only way they could have gotten my information. 

I have contacted the credit bureau more than XXXX times, my attorney XXXX XXXX firm has requested documentation and neither of us have received documentation nor updates for more than 2 years..
A credit card company levied a garnishment against my savings account for XXXX dollars. The judge ordered this levy and searching my social security number, located my checking and savings account with XXXX. I receive XXXX a month in government XXXX. I only had XXXX in my account. The bank debited my account and took the XXXX. I 'm sure this is not legal. Should I sue them or just demand they reimburse my account for the money they gave the credit card company?
On XXXX XXXX, 2016, USA Student Loan.org contact to me, stating that my name was selected from a low income database to see if I qualified for student loan reduction or to get it totally paid off. The Rep was named XXXX ( no last name ). What really convinced me that this could be legit it because, he even mentioned that he was in the same area that I was from and called out some of the areas that I was familiar with. After retrieving my information from the XXXX website and final consulting, he said I was approved for 100 % of my settlement. But, I will have to pay {$590.00} in full or in payments for the next 5 months. I have tried to contact them to check on the status of the process and no one answers the phone. I am convinced that this was a scam.
My student loans were transferred to XXXX XXXX by XXXX XXXX. Whilst and after completing school, my loans were always in deferment or forbearance status until I could get to the point were I could manage repayment. I started repayment of these loans a few months back and noticed my account had reported late payments for XXXX and XX/XX/XXXX. I spoke to an advisor and he tells me had contact with XXXX in XX/XX/XXXX and was put on a forbearance that lasted a month later XX/XX/XXXX. Which does not sound like the correct way my account was to be handled when I spoke to them I was offered the income driven plan which I have always declined and asked for my account to be put on the forbearance. The advisors I spoke to never did what they had to do on their part and instead noted my account as if I was interested in the income driven plan. I specifically explained I have never been interested in that service or plan. This employees mistake has now caused me issues with my credit because since fedloan logs separate reporting for each individual loan those 2 months that were reported late have become 12 late payments since I had 6 separate loans. This is also unfair because if the loans are separate then they should be reported once just one late payment turns into 6. This needs to change it is very unfair for customers and people who might not be in good economic conditions. They have poorly trained and lazy advisors that end up giving people the wrong information, and incorrectly note accounts. I need this issue to be corrected as soon as possible or I will pursue legal action.
Received a requested credit report from TransUnion on XX/XX/XXXX. The report reflects an ADVERSE ACCOUNT which has been handed over to ( XXXX XXXX # XXXX ) on XX/XX/XXXX. The creditor apparently is XXXX XXXX ( Cable/Cellular ) and the amount apparently due is {$510.00} dollars. 

My mobile-cellular provided prior to this past XXXX, has been and ALWAYS been XXXX. My cable provided since XXXX has always been XXXX. 

I can't understand why this on is my report and possibly affecting my credit rating. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX
On my XXXX credit report, Southwest Credit is representing XXXX for XXXX derogatory amounts on my credit report, XXXX for {$94.00} and the other for over {$500.00}. This debt collector is not on my XXXX credit report. These XXXX derogatory remarks dating back to 2012 are keeping my credit score from going up on the XXXX credit report. I 'm in the process of negotiating a loan for a new car and to be a well-qualified buyer for the best interest rate I need my XXXX credit report to be over XXXX because the finance companies use XXXX Car Loan credit score for approval.I 've worked diligently and in good faith settling my debts and my XXXX credit report is showing my credit score to be XXXX, however the XXXX credit report is still in the fair category at XXXX. I believe I do not owe Southwest Credit for any collections.
I bought a dining set XX/XX/XXXX from XXXX XXXX on XXXX/XXXX/2015 using my American Express card. I was told I would receive the furniture within a week. on XX/XX/XXXX, I received an email from XXXX XXXX stating, " ORDER ID : XXXX Dear XXXX XXXX, Your order has now been shipped from the manufacturer and is currently en route to our delivery company. Generally this process takes about 1 week. Once the order arrives at the local delivery company, they will inspect the order, and delivery time date will be scheduled. '' However, for two weeks, I had n't received the furniture nor had I heard from XXXX XXXX. I called the company and more phone calls followed. On XX/XX/XXXX I received the following email, " Order Routing ORDER ID : XXXX Dear XXXX XXXX, Good News! Your order is currently being routed for shipment. XXXX, a white glove furniture delivery company, will be contacting you in the coming days to schedule your delivery. We will deliver on the next trip in your area. 



Shipped with : XXXX XXXX ext XXXX ( XXXX ) XXXX will contact you to set up a date and time for the delivery. If you have any shipping related questions, please contact XXXX at XXXX ext XXXX ( XXXX ) ''. I called XXXX and was told the furniture will be shipped soon. After a week, my wife called and XXXX hanged up the phone. I called and was given the same excuse as before. With no good resolution in sight and my confidence in the company dipping low, I cancelled the order on XXXX XXXX and called American Express disputing the charge. American Express noted the dispute but did n't contact me with the merchant 's response and a satisfactory resolution. When I contacted AMEX, I was told the charges had been re-instated. I disputed the {$280.00} due to me. AMEX again did n't contact me. I contacted AMEX again with the same result. I am very frustrated with both the merchant and the credit card company. XXXX was a XXXX trusted store and had AMEX gotten back to me on time, I could have contacted XXXX to resolve the issue. Now, after eight months, I am still chasing to resolve the issue with AMEX doing a shoddy job.