WillisBack/dataset-financial-user-claim huggingface dataset:
A few weeks ago I noticed a very unusual charge on by BarclayCard US Master Card ... interest ... .which I have rarely had in 30 years of using cards. I assumed they made a mistake and omitted the tiny amount from my payment, figuring they 'd figure it out. There was more interest charged the following bill, so I phoned them. We figured out that I had confused a XXXX for a XXXX on the first bill, resulting in a {$20.00} deficit, and thus the interest charge. Not only did BarclayCard US Master Card refuse to waive the interest given that I have been a very good customer paying hundreds of dollars per month to them on behalf of vendors we do business with, they informed me that if I cancelled the card upon full payment, I 'd lose all my earned mileage ( approx. 70000 ). And since their annual membership fee is due in a few weeks, I 'm stuck doing business with such people for another whole year in order to use the well-earned mileage from them. Beware of BarclayCard US Master Card, the ( not ) ethical company.
My credit report has an incorrect address. The address on the report is   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ,  NV. Other than when I was in the  XXXX , I have lived in Colorado my entire life. Associated with this   XXXX   address are bills from  XXXX   XXXX  and  XXXX   XXXX   XXXX    XXXX    XXXX . Both amounts are less than {$100.00}. Every time I dispute these bills and ask for source documents to prove I owe, the bills are sold to collection agencies. When these receivables are sold as a package, the collection agencies reopen the outstanding debt, and it reappears on my report. I have a substantial credit history with mortgage, car loans and credit cards. I have NEVER been late on ANY amount I owe. There should be some protection against collection companies windmilling these bogus receivables. Thank you for all you do.    XXXX
Hi, American express savings only covers liability up to {$50.00}. 

How secure is the American Express Personal Savings site? 
At American Express we want you to be safe and secure when you bank with us online or by mobile device. 
If you tell us within two ( 2 ) business days after you learn of the loss or theft of your account access information or mobile device, your liability is limited to {$50.00} if someone should access your account without your authorization. Immediately report any unauthorized transaction to us at XXXX.
My son has been trying to pay his Sallie Mae loans to the best of his ability. the interest keeps making it higher and he can not for some reason have it based on his income. they are harassing his grandmother who was the co-signer and making her feel as though she has to pay and she has been taking money from her fixed living expenses to try and pay the out ragious amounts that keep going up because they say he 's not paying the full monthly amounts. th interest on his loans have gone through the rough and the payments are double what he brings in monthly. even if he lived at home and made no car payments and I paid for food and everything else he would not be able to make the payments since they keep raising them. There are XXXX different loans which they made him do instead of one. My mother is afraid she is going to loose everything because the payments are not more than all 3 of us together ca n't pay. This should be illegal and why they want let him base the payments off his income I will never know. Please help. And there are more than one of the choices below. We could select every answer below except getting a loan because they have all happened. Dealing with the lender is a joke. they hang up on you once they figure out who you are and will not even try to help. The payments need to be a fixed monthly amount that can be handled and still be able to eat and survive and maybe even feel like living again. Shame on Sallie Mae!!!!
Disputed with the company on XX/XX/18. Company received my disputes on XX/XX/18 as it shows according to the certified mail. It is now XX/XX/18 and I've yet to hear back from the company. The FCRA gives the company 30 days to respond. I have not gotten a response.
I purchased an open box computer that was broken from XXXX XXXX on XX/XX/XXXX i returned and exchanged the computer the next day for a new XXXX computer totaling {$1000.00}. the computer malfunctioned within a few weeks of purchasing and i visited the store approximately 15 days after the purchase to return/exchange the computer. the customer service rep at the store stated that the window for return had closed and i must contact XXXX for warranty repair. at this time i was not aware of my right to return a defective item, and was not aware that the store actually had a 30 day return policy. 

i contacted XXXX a few times to try to initiate a warranty repair. they promised to send me an overnight box to ship my computer to them. it took a few weeks from my initial call to actually receive the box. the repair process took about a month. upon receiving the computer back, the computer started malfunctioning again almost immediately. 

this is when i filed a dispute with citi best buy card services, explaining my interaction with the deceptive XXXX XXXX   employee, the defective product, etc. Citi QUICKLY sided with XXXX XXXX on this matter, stating that i was outside of the return window. Ha. its been months, of course its outside of the return window now. i am not disputing that. 

. the problem has gotten progressively worse and the computer is now unusable. i contacted XXXX for a return box about a week and a half ago for a return box. it has not been received and XXXX repeatedly tells me that they have no record that i initiated a second repair request. i contacted Citi yet again to open another dispute. they stated that they have already sided with XXXX XXXX, that it was past the return window, and they will not open a new dispute. 

i question citibanks business practices as they sided with their business partner and provided no valid reason as to why. i should be covered under the purchase protection plan that they offered me.
ACCOUNT RCVY SERVICE has a medical collection on my credit report that was paid in full long ago. I am asking that this company cease and desist and clear my credit report within 3 business days. It is listed as XXXX
A " hard '' pull was performed on my individual account by XXXX on XXXX XXXX, XXXX. The address listed for the inquirer is XXXX XXXX XXXX, XXXX, TN XXXX. Phone number : ( XXXX ) XXXX Credit report states that this is from the automotive category. We have not had a auto purchase or inquiry at that time frame.
Experian has listed XXXX XXXX XXXX as an alias. Numerous accounts are her accounts. I have NEVER used the name XXXX XXXX XXXX nor do I know anyone by that name. I submitted a dispute, but to no avail. It only shows as a comment.
In XXXX XXXX my checking acct was compromised that my credit card payment was auto-pay through. Since then I made monthly money order payments. My balance in XX/XX/XXXX was {$2000.00}. I sent 4 ) {$200.00} payments. I do NOT use the card for purchases & the interest is about {$3.00} a month. My balance is still {$1400.00}. I am clearly not credited for my XX/XX/XXXX payment. My bill went up that month instead of down. They insist that I was credited. There is some confusion because they repeatedly tried getting the payment through the bank, even though I told them not to. So they credited the bank payment then added it back on repeatedly. But it should n't take a genius to do the math. {$2000.00} minus {$800.00} is {$1200.00} not {$1400.00}. I called twice & wrote a letter & keep getting the same answer.
Comenity Bank has called me 5 times today regarding collecting payment on a credit card that I have already communicated with them about - it 's maybe a month behind, and I let them know via messaging on their website that I was going through financial hardship. Comenity does n't care about this ( why would they? ). I added my number to the Do Not Call Registry - they still called. Besides the incessant calling, they called from an Unknown number, and the customer service rep, " XXXX, '' refused to immediately identify himself. He then got extremely sarcastic and condescending with me when I told him that Comenity was harassing me by contacting me multiple times per day when I added my number to the Do Not Call List, and told him to have Comenity stop calling, otherwise I 'd be reporting him, to which he replied, " OH YOU GO AHEAD AND DO THAT. '' Comenity has also called my father multiple times to try and reach me, which is a violation of the FDCPA. I have contacted an attorney.
I have been forced into filing for forbearance due to the amount of my loans that I need to pay. I did not have a job to support myself to pay the loans of at the time when I was being billed more than {$200.00} a month. The only thing that made sense was to go into forbearance. My interest rates have gone higher, and now I do n't know how to pay it all off. Every time I try to call Navient, all they offer me is to go into forbearance and then to go into an income driven payment plan. To my knowledge, that does n't do anything except that my interest rates are still hiking up.
On XXXX.XXXX.2018 XXXX the security company did a hard credit check on my credit worthiness regardles of the fact that I did not reques an XXXX  installation for myself and I gave my conyact information just to facilitate the scheduling for an estimate for one of my clients. I gave the client name, address and phone number to the XXXX rep and I only gave my name and phone number just so I can be present and open the house for the XXXX technician that came for the estimate. I was not asked or advised by XXXX about this credit check. 
I called today XXXX and told them about this mistake. They appologized and refered me to their Escalation Department to help fix this mistake and remove the inquiry from my credit file
EXPERIAN HAS BLOCKED MY ON-LINE ACCESS TO DISPUTE. 
experian has permitted XXXX different furnisher 's to report accounts without a date of XXXX delinquency.the date is required by XXXX XXXX.the date must be accurate according to this citation which i have cited, circled and underscored. 
Without this date or a fall-off date the negative reporting continues forever and that is illegal credit reporting. 
PLEASE CORRECT OR DELETE AS PROSCRIBED BY LAW OR FACE CFPB FINES AND CIVIL SUITS.
I paid my car loan off with SunTrust bank in XXXX 2014. To date they report to XXXX that I owe them & XXXX. They mailed me a lien release letter & I have title to the car! They insist their records are accurate. I 've been fighting with them since XXXX, personal visit to bank, phone cal mail & fax letters! I just received a letter today stating my account is being reported accurately. Help, this is lowering my credit score! I'am at my wits end. XXXX removed this from my file, XXXX is still showing {$11000.00}! Help please, I 've paid dearly due to the real estae crash & I want this cleared up. Thank you.
I have an  XXXX   XXXX  account with USAA and I 've been constantly been charged with interest on purchases fees in the amount of {$57.00} and also hit with a interest charge for cash advances in the amount of {$46.00} on a monthly basis. I 'm hit with the interest on purchase fee if I pull out  a cash advance and I believe the cash advance  fee to way to high. I 'm also hit with these same charges even if I dont ' use the card at all. I 'm being told that I also incur these charges if I carry a balance over to the next month. I 've been making payments on this account for years and these charges whether I use the card or not is keeping me in a constant loop of debt. I 've tried to talk to  XXXX   XXXX  at USAA about these constant charges to no avail. I need this agency to step in and mediate an fair rate of interest. It 's like a mob shake down where I will never be able to pay this account off. I 've attached a copy of my account statement.
This item was disputed previously. 

Transunion manually updated this Tradeline. 

However - it is an orphaned record from XXXX that has n't been updated since they converted to XXXX. 

This account : 1. Was opened XX/XX/2014 2. Is missing its ALL Balance History for the duration of the time the account had been open 3. Is missing ALL Payment Data for the duration of the time the account had been open 4. Is incomplete and inaccurate
Santander consumer usa has super high interest it seems payments never go to the principal balance, when you call customer service wont help at all they just want a payment. Late fees are ridiculous and charging fees to make payments are extra high.
Equifax is preventing me from removing a security freeze from my credit report by any method bu t US mail. Aside from taking many days for US mail to work I am extremely worried about putting all of my personal information into just a ty ped piece of paper that would make it very easy to steal my identity. Both  XXXX  and  XXXX  make it simple to remove the freeze online or by telephone but Equifax is making it very difficult to deal with my security freeze. I have no choice on which bureau credit checks go through therefore I 'm at the mercy of Equifax. I feel as if I 'm being punished for using a credit freeze with Equifax.
I recently purchased my XXXX home. This is all new for me since I had to work hard to build credit. I was informed that It would be convenient to have my home owners insurance included in my escrow payment. I had insurance through XXXX, and canceled it for this reason. I assumed the policy was the same coverages. No one from either JP Mortgage, Chase Bank reps, or the insurance company explained the policy to me, or what coverages were. No one even. Called me. Our house recently burnt down. It has been almost 3 weeks, and the insurance has just contacted me with settlement to repair house ; not rebuild. They even want to place new counter tops on the burnt cupboards. The insurance rep went on vacation prior to finishing my claim. While my family and I suffered, and scrambled to find somewhere to live. JP Mortgage has yet to contact me. We have had no financial suport, or help with a place to live, clothing, or food. My husband is very I 'll, and lost all his medications in the fire. He had to cancel a XXXX. Attached are pictures of the burnt house, and the others are what we had to resort to live in. WE LOST EVERYTHING. I feel that nothing was explained to me, and I was misrepresented. For this my family and I have suffered. There are rats where we have to live. No kitchen. Filthy conditions. Now our house is not going to be rebuilt, nor are our personal belonging replaced. Please review pics. Thank you.
On X/X/2017, I checked the XXXX leaked-information website and found that my data had been released. 

I immediately froze my credit on all three major credit bureaus, as well as XXXX and XXXX.
I have a rushcard with direct deposit. I found out that they were having problems and sure enough my dd didnt come. I spoke with someone in customer service who told me he couldnt tell me when my money would be available. I began to stress to him that my electric and gas will be disconnected if I dont have my money. He responded by sayin sorry to hear that but there is nothing I can do about it. I then said so you just telling me me n my kids are going to be in the dark and he said guess its a possibility. HELP. I am callin my employers first thing but im afraid they wont change it right away.
My Aunt passed away on XX/XX/2016 we had a joint credit card with Discover Card. For months I have been trying to cancel the card, the bill and get a check from Discover Card for the {$32.00} credit balance. Despite my mnthly calls I can not get them to take corrective action
I received a check/loan in XXXX. I deposited the check. When the first payment was due I was called and I told them I would make the payment my next pay date. That was XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I spoke with them and said I would make the payment over the phone. I was told that I could possibly " get more money '' with an application for a new loan. I told the lady twice I would make the current payment so as not to get behind. She again encouraged me to " see if I qualify for more money. '' She started the application and told me that since my credit was frozen I would need to unfreeze this then she could continue the application. I had my credit unfrozen with XXXX  the same week. I spoke with her again XXXX/XXXX/XXXX and she said they do not use XXXX and I would need to unfreeze my credit with XXXX & XXXX. I again offered to make the payment so that I would not become delinquent. She said " just see what you can do. Maybe we can get you some more money. '' I have tried to unfreeze my credit with the two other agencies unsuccessfully and have had a hard time getting in touch with the agencies due to the XXXX breach creating long hold times, and have been disconnected while waiting. I even spoke with XXXX but due to the operators thick accent I could not understand the questions he asked and I was unsuccessful. Today I again tried to get in touch with XXXX and was told after waiting 1.5 hours that I had the wrong department and was given another number. I work and take care of my XXXX XXXX XXXX XXXX so I could not stay on hold for several hours. This evening I received a message stating that " the application could not longer be active '' and that she needed to hear from me by XXXX XXXX or " things will get serious. '' I called and left a message to remind her that I have tried multiple times to make the payment and I asked to please let me know what she means by " things will get serious ''.
They had scheduled maintenance on XXXX/XXXX/2015 from XXXX, however, the provided time slot was extended to XXXX. XXXX came, and nothing changed. I received an email at XXXX stating we can utilize the card now, but still can not use the mobile or online services. That was not correct. It is now XXXX/XXXX/2015 XXXX and I have access to nothing! I was supposed to receive my direct deposit today, now I 'm not even sure if I 'll receive it at all, if that is the case, I would be delayed by almost 2 weeks.
I recently filed several transactions with PNC Nank, N.A. as unauthorized transactions ( ATM withdrawals and POS purchases ) .. The disputed transactions were filed by me sometime on or around XX/XX/2017 through XX/XX/2017. On XX/XX/2017, PNC Bank denied the majority of my claims ( with the exception of two dispute charges where one was provided a final dispute credit and the other was provided a provisional/temporary credit ) for my disputed unauthorized transactions totaling approximately over {$1000.00}. PNC Bank 's reasoning for denying my claims is because the person who allegedly made the ATM withdrawals and/or purchases " kind of looks similar '' to me. I requested the documents and or photos that they received in making this determination to deny my claim and an employee ( XXXX ) from PNC Bank 's Executive Clients Relations department REFUSED to provide me with these documents and photos of allegedly me initiating these unauthorized transactions which is a breach of our contract ( account agreement ) and a violation of the Electronic Funds Transfer Act ( EFTA ) and/or Regulation E ( REG E ).
Not sure where to begin ... Please look at previous complaints against Wells Fargo and Debt Buyers : CFPB Case Numbers XXXX, XXXX, and XXXX. These complaints were submitted in XXXX of XXXX while in the middle of my court battle with the Debt Buyer. Wells Fargo really did a number scamming me out of my vehicle AND I was a service member. I just hope that in the limelight of the recent scandal and settlement that those that have been affected so much are truly compensated. Not to mention that during all of this I was completely unaware of the fact that when I financed the van through Wells Fargo in XXXX, that they put my interest rate @ 21 % which they should n't have went over 6 %. I was a service member at this time and should not have had to go through what they put me through, or my wife. I finally gave up in court and settled with the Debt Buyer. I feel that Wells Fargo should compensate me for all the money and distress I went through as a result of their negligence. I have XXXX of court paperwork. They need to be aware of how much pain can be caused because debt buyers and big banks decide they are going to use shady tactics against everyone.
For the past 3 years Wells Fargo Home Mortgage has failed to pay real estate taxes from my escrow, resulting in past due tax fees. The first year I was traveling on business for several months and came home to multiple overdue notices. I paid all the taxes out of pocket along with the late fees, and had to wait until the end of the year for the escrow account to reimburse me the yearly escrow balance. The second year I called Wells Fargo after the taxes went un-paid. They paid the taxes from my escrow, and they paid for the late fees. The third year I called 2 months before the taxes were due to let them know a tax bill was coming. I called 2 weeks before the payment was due to remind them again. The taxes were still paid late, resulting in a late fee of {$21.00} and they sent me a letter stating that the late fee would be coming out of my escrow.
I leased an 1 bed room apartment for one year from XX/XX/XXXX to XX/XX/XXXX. I dont know what this charges are coming from. I left the unit and also, i did not received my deposit back. I was new to credit i was young and i didnt realize how importat credit is and now im trying to fix my credit this is my number one priority.
I sent a dispute to experian that was delivered certified mail on XXXX/XXXX/2015 ( usps tracking attached ). There is a judgement that I requested to be disputed item XXXX in letter, ( see attached copy of dispute letter ). This item was never investigated as requested ( see experian dispute summary attached ). Every other item was investigated and listed on experian 's dispute summary except this one. The judgement that was supposed to be investigated does not belong to me and experian had someone else 's social security listed on my report as well, which was removed. This item should be removed by LAW since it is now been XXXX days and I have not received any response on this item.
I filed bankruptcy in XX/XX/XXXX with the offices of XXXX. Greentree at the time was my mortgage company. They were charging me more and more money every month then tried to foreclose on my home that i purchased in XXXX. I was harassed constantly prior to filing bankruptcy. They sent police officers to my house more than once and even called my neighbor across the street to look for me to let them know they were trying to reach me because i was behind a payment. Now they have merged with Ditech who my mortgage has been turned over to and i had damage done to my home in XXXX from a hurricane. XXXX ( my insurance company ) has come out to my home and wrote me a check for {$5500.00} to fix the damages. It was written out to me and Ditech and i sent them the check on XX/XX/XXXX certified with a XXXX form from the man that will be doing some of the work that was needed to be done immediatedly and i still have not received a dime from them. I have just about had it with both of these companies abusing me. Please help me in anyway you can. I have contacted XXXX office and they have stated there is nothing they can do to help. I have contact the FTC and my next step is the XXXX. As of now my home has damaged skirting underneath and over the week my water pipes were frozen for 3 hours. There are 10 other mobile homes on my block that share the same well and if my pipes burst none of them will have water. Again, thank you for your time. 

Sincerely, XXXX