WillisBack/dataset-financial-user-claim huggingface dataset:
I have XXXX student loans, one of which is with Discover. Discover has over {$100000.00} of student loan debt under my name and i have made every single payment in full and on time. These payments started when i lived with my parents and commuted over XXXX hours to work everyday. My circumstances have changed and although Im still employed I am now living on my own and my rent along with my loans leaves me with absolutely {$0.00} left from my paycheck. No money for the transportation, groceries, or any other living expenses and utilities. My minimum payment for Discover is not only unreasonable for any recent college grad, but for my income and loyalty to them as well. Ive called countless times and talked to countless people and the only option i *might* have is to defer for three months, BUT at the end of those three months the already ridiculous minimum will increase. I have continued to lose my savings to these loans because i do not want to ruin my credit or my future and Im at a point where i do not know what else to do. I can not make the payments they want me to make.
I see that on my credit report I have a collection accout for {$1800.00} for XXXX XXXX XXXX in which I dont owe a debt to a XXXX XXXX XXXX I have received no correspondece I reported this to the credit burea as a result the open collection is now closed but closed with a balance of {$1800.00} I have never had a creditor on my credit with the name XXXX XXXX XXXX
On the morning of XXXX XXXX my son XXXX XXXX ( a student at XXXX ) received a call fro someone claiming they were from the FBI. The scammer used many threats to scare my son into going to XXXX and XXXX XXXX to purchase XXXX cards. 
In the beginning XXXX used his Wells Fargo debit card to purchase these cards to the value {$1700.00}. at XXXX. A purchase he would never normally make. 
Later XXXX was told to go to XXXX XXXX to again purchase XXXX cards to the value of {>= $1,000,000}. This time he had to use a credit card because his savings account was now empty. 
We have fought with XXXX and eventually had our money returned because this was fraud. 
My question is, do we have any come back with the debit card purchase of {$170000.00} that XXXX was forced to make at XXXX. 
This was all the money XXXX had in his savings account. 
We have all of our accounts at Wells Fargo.
On  XXXX   XXXX ,   XXXX  , I received a notification that there was a new collection added to my   XXXX    credit report. When I went into my account there was a collection from CCS Collections in the amount of {$680.00}. The date reported was  XXXX / XXXX /  XXXX   and the date assigned was  XXXX / XXXX /  XXXX  . This is the only information I have regarding this matter.
This is my third attempt with Transunion for an item XXXX XXXX XXXX XXXX. The item was deleted on XX/XX/2017 and recently was reinserted in my report. I have reached out to them asking them to investigate this issue and they have failed. 

In accordance with FCRA Section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required by law to notify me of reinsertion in writing within 5 days. 
( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency None of the above steps were taken according to law. Transunion has violated FCRA laws and has continued to violate by not properly addressing and investigating this issue. I am asking a third time to please remove this item from my report due to the blatant disregard for consumer laws.
Original Creditor received my dispute and removed disputed account from my consumer report. Upon disputing other items XXXX XXXX XXXX opened a collection account naming XXXX as the Original Credit on my XXXX report less than 12 months ago. 

Upon disputing the derogatory account XXXX XXXX opened using my personal information without notice, consent and/or authorization. I disputed the item, my credit file was updated back dated to XX/XX/2015. I do not owe XXXX XXXX {$340.00}. 

Upon disputing this same item with CFPB prior to this complaint ; XXXX XXXX XXXX began reporting that same account on my Equifax report. XXXX XXXX XXXX adversely affected my credit score, credit file, and does not demonstrate fair practice.
I requested to file a dispuite for charges to a item I ordered and never received. The merchant sent a different item than I ordered, and was giving me the run around. Citi refused to open a dispute stating they ca n't because I have the item. But the fact remains I do n't have and never had the item I ordered. So after refusing to dispute that I disputed the charge in difference of the price when I checked out. It was {$79.00}. I was billed {$86.00}. After numorous phone calls, and being told I had to wait to file a dispuite for the charge of a shoe I ordered, and never received till the other dispuite was done. Then I could. So after Citi refunded the amount they charged over the purchase price I called back once again, and now being told I can only open a dispute once. So they took my legal right away when I first called, and refused to file a dispute for the full purchase, witch is what I first requested! After asking to talk to a supviser she just repeated herself over, and over being very rude. I then called back to file a complaint for poor customer service, and was told they are to busy, and will call me back monday morning. They never called. So I called again and was told once again they will call me Tuesday morning. Citi customer service is very poor, and down right illegal.
I Was Waiting For Sec XXXX To Approve My Move The Apt Wanted Me Out They Did Not Take My Rent. So Housing Moved Me Even After They Paid The Rent For That Month But They Did Not Like That So They Filed With Collections. Then They Placed It On My Credit But I Proved Them Wrong They Took It Off Then Placed It Back WHY?
My mortgage company ( U.S. Bank ) is now charging {$5.00} for every online payment made. I emailed U.S. Bank and received no response. I discovered that I could waive the fee beginning XXXX XXXX if I enrolled in automatic draft from my checking account which I setup. The open item is my XXXX XXXX payment. I called them on XXXX XXXX ( ~XXXX ) and spoke with " XXXX '' who said they would not waive the fee. I then asked to talk with his supervisor and " XXXX '' a Senior Representative indicated the same. I feel that U.S. Bank does not have the right to charge a fee for online payments without automatic draft as this was not done prior to XXXX XXXX. As such, I feel that it is a case of bait and switch, which is illegal as this was not communicated when I originated my loan with them. They indicated the only way out of paying their fee was to mail in a check, but this will cost me a stamp ( not cheap ).
XXXX XXXX XXXX, XXXX XXXX whose phone # is XXXX reported my name to the credit bureau for {$260.00} for failure to pay him. The child was covered under medicaid and they refused to bill medicaid for services rendered.
About 6 or 7 months ago i purchased my first copy of my credit report and noticed that some one unknown to me had used my personal information to get few credit cards from XXXX XXXX under my name. I immediately contacted the credit bureaus and notified them about these accounts was opened up under my name fraudulently and right after i had filled a police report with the local police department. After i sent my dispute letters to all three major credit report agencies, XXXX had removed these fraudulent account from my credit report and i been going back and forth with Experian and XXXX. which i decided to report this to you for help, please help me.
We missed paying our balance in full by {$3.00} last month. We were charged {$9.00} in interest for that month and {$22.00} the next month, for a total of {$31.00} for a XXXX time {$3.00} error. Is n't that an excessive amount? 

The credit card company did waive the second interest charge, but I still think an interest should be charged on the amount past due and not on the total balance.
My mortgage was transferred from XXXX to PNC in mid XXXX, 2016. I made my XXXX, XXXX and XXXX payment to PNC without any problems. My mortgage payment to PNC on XXXX XXXX, 2016 was charted as NSF on XXXX XXXX, 2016. When I called PNC to inquire about why I owed XXXX payments in XXXX and proved that my bank had successfully paid the XXXX payment, an investigation was open. The conclusion came and PNC stated that the money had been requested by XXXX and they paid XXXX money in a lump sum ( from multiple payees ) through a wire transfer to a specific person. They could not provide information as to why the money was requested and suggested I contact XXXX. I did and they opened an investigation and can not verify why the money was requested and stated that PNC should know the reason if they sent the money. I have been back and forth with both companies since XXXX. For the months of XXXX, XXXX, and XXXX, a woman who worked at PNC, a team leader, allowed me to make payments one month at a time until this was resolved since there is a supposed missing payment. This month I have been unsuccessful in contacting her and have been transferred from person to person with no resolution. I have asked repeatedly if I can make my XXXX payment, but PNC will not take " partial payment '' and state that I need to make XXXX payments. I would like to be informed as to why this money was transferred to a third party company three months after my mortgage was transferred to PNC. If I do not owe the payment in question, I would like this cleared from my record. If I do owe it, I want to be informed as to why before making a payment. It seems for the past three months no one has resolved the issue. It is only creating time lost on my end making the phone calls repeatedly over and over again. Also, when I am successful making a payment at PNC they charge a XXXX service fee for not having an account with them. I am not sure why this is allowed since I did not ask for PNC to hold my mortgage, rather it was transferred to them.
Hello, I have a ding on my credit report in regards to a purchase I made with XXXX Synchrony. I paid off the debt and the creditor closed the account as " delinquent ''.
This is not a duplicate of Complaint number : XXXX as the date ( s ) of occurrence ate different occurring between XX/XX/XXXX and XX/XX/XXXX and not XX/XX/XXXX to present as in complaint XXXX. 
Product : Mortgage Issue : Improper use of your report Bank of America, or those working on behalf of, for the interest of, or for the banks benefit, accessed my credit reports for unlawful purposes after foreclosure processes had been initiated. In addition to improper inquiries, sharing of information obtained from and through accessing credit reports for purposes that aren't allowed by law, or gaining access to my credit reports and the data contained within I've had my personal, financial and private information grossly compromised due to such conduct and behavior. This behavior, to the best of my knowledge, occurred between XX/XX/XXXX and XX/XX/XXXX. 
What would be a fair resolution to this issue? 
Credit report corrections and other related updates, changes and correction such as new identification numbers as well as ongoing and constant credit fraud protection and monitoring. In resolution, in part, I would need to establish a new identity to include, but not limited to, new government issued picture identification, new social security number, new name and a new post office box. Obviously, this type of behavior and activity is to cease and desist from hence forth as well.
JP Morgan Chase through XXXX took {$2700.00} from my personal Account for a payment for a business I am not familiar with or have any knowledge of. The funds were not authorized to be taken and I disputed the funds and Chase refused to return the funds
i have two equifax credit files XXXX XXXX XXXX this is the correct report ( confirmation # XXXX ) XXXX XXXX XXXX incorrect / not valid ( confirmation # XXXX ) with my creditors pulling the XXXX XXXX and not XXXX XXXX. they are unable to use my credit report. 

i do not have a fraud alert anymore. they need to get rid of the XXXX XXXX XXXX XXXX XXXX is the correct report. 
please help confirmation # XXXX is correct confirmation # XXXX is incorrect it is all in my middle name XXXX is the right report XXXX is not
Shows i had a bankruptcy in the remarks section and this is false never had bankruptcy, just check my personal info. XXXX refuses to remove this and says they did n't report it.
My friend called in to One Main Financial in XXXX, NC to make a payment for me. The lady who took the call,,, XXXX XXXX ... went into detail about my account to my friend. I know this is a violation of my consumer rights. I called their corporate office and filed a complaint. Asking for some type of compensation be done to my account. After jerking me around for a month, I receive a letter from them saying that, no harm was done to me because of this phone call.
I have XXXX federal loans that Navient sold off to the XXXX out right over 1.5 years ago and they still report to creditors monthly that I have defaulted on these loans. I attempted to get this resolved several times with Navient but they just say that I need to pay more on my other private loans if I do not wanting them to report the information. I explain to the person on the phone that each loan is reported sperately and the reason I do not pay them for these loan is that they are no longer serviced by Navient but they inevitably transferring me around to a supervisor which says they are it is an automated system and I will need to fax them the information or they can not do anything about it. when I send the fax I receive a conformation page but they say it went to a different branch or the fax went to another floor, so they do n't have access to the information. Once the manager said they would call me back once they file was uploaded to my account but they never called back. So I assume it still has yet to be added to my account. I believe this inappropriate and in correct reporting by Navient is being done intentionally and has caused significant false financial and credit damage to me and my Father ( co-signer ). This past year I missed a lot of scholarship deadlines because they are falsely reporting that I am delinquent. Costing me thousands in possible financial Aid, grants and scholarships. In addition to the fact that they have illegally monthly report that I am not paying on these federal loans and that I am in Default, which has brought my credit report significantly down for the part year and a half. I have spoken numerous times With XXXX and they say there is nothing they can do about it except report accurately that I have a payment plan in place and I am activly paying on the loans. I have reached out to my school as well as XXXX of the XXXX credit reporting agency 's they can not do much either except tell me that it is illegal and advise me to keep working on it. I feel very frustrated with Navient and they 're illegal practices that no one seems to be holding them accountable for. It is targeting me at best and at worst having a incorrect reporting system in place, that they have known about, and destroying countless others financial future for personal gain at worst. Please help advise me about what else I can do. ( I do have documentation to support my claim )
On the evening of XX/XX/2018 I discovered that was unable to login to my HSBC USA online account.

I called the bank 's customer service number. Their phone system verified my identity through my phone number, account number, voice print, and last 4 digits of my social security number. Customer service told me that my online access is blocked. They refused to tell me why I was blocked. They refused to tell me my account balances, claiming that it would be a breach of security to tell me my balances, even though my identity had already been verified by the phone system. They insisted that in order to restore access, I needed to call the security department at XXXX during their business hours M-F XXXX - XXXX EST. 

I called the security department at XXXX EST on XX/XX/2018. After I identified myself through the automated system, I was put on hold for 9 hours, by which time I got a recorded message telling me to call back  during their regular business hours. 

A representative from the bank 's customer service also tried to call the security department but never got a human response. 

On XX/XX/2018, I again tried to call the security department, but again, I got put on hold. 

When I complain to customer service that no one at the security department answers, they tell me they can't help me. They insist that I must call the security department, and then they transfer me to the security department which never answers. 

Meanwhile, I am still unable to login and the bank denies access to all my funds on deposit, which include a checking account and a savings account. 

The bank has my phone number, email address, and mailing address. Yet I have not received any communication from the bank informing me that my online access has been blocked. I only discovered the blockage when I attempted to login.
I sent an error resolution written inquiry on XXXX XXXX, 2016 regarding a number of issues including, failure to post payment and erroneous late charges/property inspection fees. The bank responded on XXXX XXXX and the XXXX 2016 that my inquiry was received. I have not received any further communication and my inquiry is unresolved. XXXX ) Additionally in XXXX 2016 another payment was not posted to my loan.
I have had Nationwide Biweekly Administration, Inc. deduct XXXX of my mortgage and escrow fees every other week for years and Was led to believe the extra 2 weeks worth of payments would go 100 % to the principal. I just received a letter from them stating if my mortgage was due on XXXX XXXX, 2015 that they would pay my mortgage directly. And that if there are any funds remaining in trust for me they would be returned to my account or mailed by check to me. I am very worried as to whether they will be paying my XXXX mortgage payment as it is usually paid by the XXXX of the month. It is now XXXX XXXX and I am getting more concerned by the day. 
I wrote XXXX emails to the company to XXXXXXXXXXXX and have gotten no reply. When I call their number I get word for word the exact spiel that is in the letter they sent XXXX XXXX. What further steps can I take? 
I was Never told that there was a processing fee upfront or a fee associated with this every 2 weeks.
XX/XX/2013 {$0.00} paid out. It close account it still on my credit report
I bought a gift card for {$50.00} dollars at XXXX on my XXXX XXXX, my mom attempted to use the gift card and was unsuccessful. I contacted XXXX over the phone and they were unwilling to open a dispute and stated I would need to write them and that the disputes process would turn up a decline since the gift card showed activated. They were informed several times that they can see it still has the money on it and it 's not my fault it did n't work.
Hello. 
I original had and outstanding debt with XXXX XXXX XXXX many years ago, they turned the account over to an Collection agency ( XXXX XXXX ). I called XXXX XXXX and we reached an settlement and I paid instantly the amount they offered which was XXXX on XX/XX/2018. Come XXXX I receive a notice from XXXX XXXX informing me that something was added to my credit report. I reviewed what was on their and it was a new collection agency ( I C SYSTEM INC ) I contacted the company to find out who was the original debtor and I was told XXXX, I explain to the agent that I never had an account with XXXX, then they stated, well, XXXX XXXX XXXX. I implied I did have an account with XXXX XXXX and that we had reached an agreement and it's paid in full. Then I was told the records show that I haven't paid anything and I owe XXXX. I ask her can I have an fax number or email to send my proof and I fax it to the company and its still on my credit report as closed but still reporting as derogatory bringing down my score even more when I'm trying to build my credit back up. I paid everything that was delinquent on all XXXX credit report and now they placed this account on XXXX. I disrupted with XXXX in XXXX XXXX and I was emailed that I C System reported that it's verified as accurate account. This company continue to report past due since XX/XX/2018 till current. I have already been reported for this month of XXXX. 
Can you help me with this issue?
There was a unauthorized Hard Inquiry made on my Credit by Discovery Card on XX/XX/XXXX. This Hard Hit was made totally at their own Discretion and DEFINITELY not authorized by me. As I understand this is a common practice by Discover Card when browsing through one of their sites. They believe most people aren't keeping tract of their Credit Score and are seeking to use personal information for their own purposes. This is a huge misuse and invasion of privacy running Credit Checks without the person 's authorization. I had already applied for a Discover Card a few months ago. Why would I authorize another hit when I already did so on XX/XX/XXXX and was refused?
I had a debt from XX/XX/XXXX and due to lost of jobs and unemployment I was un able to pay debt. Now in XX/XX/XXXX I get served at my job for payment garnishment for Midland funding llc Creidt card. I did not get served with any court papers to appear in court. I just got a sheriff at my job. I check my credit report every year and this is the first time I have seen a judgement on my report in XX/XX/XXXX. It says it has been on going since XX/XX/XXXX. I look up the court docket papers. I do n't know my rights but something seems to be wrong. I never had this happen. I never had to go to court. I new nothing about it until this year.
Experian Credit Reporting Agency advertised on-line you could receive your credit report for {$1.00}, then in tiny fine print I did n't see secretly started charging my bank account $ XXXX/month for the past year to monitor my credit -- but NEVER told me that! So I was charged {$370.00} for ABSOLUTELY NO SERVICES WHATSOEVER!! IT 'S A BIG SCAM! When you call them, they do nothing! I had no idea I had a " monitoring service '' on-line. ( did n't want XXXX. ) Experian refuses to refund even a penny.
Dear Representative, Please see the details of my fraud report below. 

Last Name : XXXX First Name : XXXX XXXX Middle Name : XXXX Credit Card Number : XXXX XXXX XXXX XXXX Expired : XX/XX/XXXX Credit Card Company : Capital One My credit card expired XX/XX/XXXX, and I have never received any new credit card for renewal. 
I have one automated payment every month on the credit card noted above- XXXX credit reporting membership. 
I have cancelled my membership with XXXX in XX/XX/XXXX- Membership ID # XXXX. 
I am being charged since XX/XX/XXXX every month for membership ( after cancellation ). 
XXXX customer service confirmed my cancellation. 

Could you please help me. I have been paying to a credit card that do not exist automated payments + interest charges + Annual fees, and being charged for a XXXX membership that was cancelled 17 months ago. 

Regards, XXXX.