WillisBack/dataset-financial-user-claim huggingface dataset:
I have been trying to DISPUTE a false item on my credit report and the company has completely ignored multiple attempts. I fought with the Transunion web site on XX/XX/XXXX, the same date that I easily ordered my credit reports and disputed something that did not belong on my credit reports from the other two companies. The Transunion web site was a nightmare to use and took two hours to finally navigate to send in the dispute. When the other two companies cleared the item off my reports within 30 days as required by law, Transunion would not even acknowledge that I had disputed something. Their web site is utterly broken. When I contacted them online, they told me I could buy a copy of the credit report that I already had. Their web site constantly points to their dispute web site, which then just says it 's offline since XXXX. When I called to file a dispute, their phone system hung up on me before I could even connect to a person. When I reported this previously through CFPB, I got the same useless response from them about ordering a credit report. I already have my credit report. I want to not be held XXXX by this company refusing to allow me to file a DISPUTE for something that does not belong on my credit report for the past four months so that I can actually use my credit report to get credit for something. My next step will be to sue them for so much that I wo n't need credit anymore.
I recently joined Coinbase.com. I added my bank acct and purchased digital coin Litecoin. I bought XXXX as I 'm not rich but would still like to play this new market. Coinbase then in turn withdrew {$300.00}, twice from my acct. I can not get in touch with their customer service to no avail. I then called my bank and asked for help. My bank will try but I believe they will receive the same answer from customer service ... Silence ... .Please Help ... 
Thank you
Fifth Third Bank report my account as pass due more than 30 days in the month of XX/XX/2018 and as a result I'm been denied a current loan application. My monthly payment changed on XX/XX/2018 to make up for a change on the escrow account to cover property taxes and insurance. The monthly payment was {$660.00} until XX/XX/2018. Then, in XXXX the monthly payment changed to {$730.00} starting XX/XX/2018. As I was away on vacations I did not noticed the change on the monthly plus my payments are on autopayment. Firth Third bank received my XXXX payment of {$660.00} cashed and put it into an escrow account rather than into my loan account. 
In XXXX, when I found out about it. I was asked to make an extra payment of {$73.00} to cover the XXXX balance. In XX/XX/XXXX, i made an extra payment of {$140.00} to cover the {$73.00} balance for XXXX and XXXX as my payments are in autopayment and every first of the month my bank ( XXXX ) send a check to fulfill the payment. As a result, my XXXX payment of {$660.00} was already out on the XX/XX/XXXX by mail and a second payment for {$140.00} went out on XX/XX/XXXX. 
In sun, my XXXX payment was short {$73.00} dollars as a result of an adjustment on the monthly payment on a Fix mortgage. Please note the payment become delinquent every month on the XXXX. So, Fifth Third Bank received more than {$730.00} before XXXX XXXX. Therefore, my account was not late more than 30 days.
I have been trying to re-new my income-based payment plan for almost six months. My old plan expired. Six months ago, I mailed in the application with a signed letter claiming my income as instructed. When I never heard back after a few weeks, I called them and they said that I had " checked off the wrong box '' so my new plan could n't be processed. They told me to check off the right box and re-send the plan in. But, when they transferred me to another department, that department said that I had checked off the right box, but that they needed better proof of income ( which I could n't provide since I was an independent contractor at the time ). They said they could n't help me further, and I was really confused. Flash forward to three months after that, I got a new job with an offer letter that I could use as proof of income. My loans were in deferment this whole time ( as they hand out deferments like candy because it only means more money for them ). I decided to try to fill out the online income based application on the federalstudentloans.gov website. I fill out the form then get a series of conflicting emails saying that I both was and was n't approved, and that the next step should be to upload the proof of income. So i decide to upload the offer letter responding to the latest email, but it 's been like crickets since then, I have n't heard from them and this was over one month ago. I do n't know what to do because my hope that my plan will get processed is completely gone at this point. Why do they seem to have so many problems?
I requested to dispute a public record on my Experian Credit Report Bkpcy IL from about couple of years EX is refusing to dispute my request by giving me the answer '' it was previously disputed and they will not open new dispute ''. I demanded to see Verifiable Proof for this account listed on my credit report ( a consumer contract with my signature on it ) which Experian if they are reporting any account on my credit report they should have in their file based on the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), If they are not able to provide me this proof they have to remove this from my credit file and this public record should be removed long time ago. This is intentionally action to keep my credit score low.
My FedLoan Servicing is disorganized, they are dishonest, and they are impossible to work with. XX/XX/2016, I called to get on an extended repayment plan, and was assured that if I made a payment of {$150.00} on or before XXXX XXXX, my payment would be adjusted to roughly {$350.00}. I made that payment, and signed in in XX/XX/XXXX to make a payment. My account balance showed {$0.00}. I signed in in XX/XX/XXXX to make a payment and my account showed I owed {$550.00}. Their loan servicing practices are convoluted and impossible to navigate, their website is impossible, and their customer service is abysmal. I want their loan servicing practices investigated and I want loan forgiveness for the loan payments they have messed up.
This week AR Resources recorded a opened two open collections accounts backdated to XXXX XXXX for {$39.00} each. The original creditor was XXXX XXXX XXXX of XXXX, MD. This medical bill was paid in full in XXXX XXXX to XXXX XXXX XXXX, and I have proof of payment including both a payment receipt and a payment confirmation number.
I have requested a payment schedule from Nelnet and because my loan in 'undisclosed ' and was sold to them by XXXX XXXX they will not provide me with a payment schedule. 
Nelnet has offered to " disclose my student loans ' and provide me with a payment schedule if I 1 ) agree to increase my monthly payment by {$110.00} per month at {$22000.00} or increase my number of payments from XXXX to XXXX and will increase the balance by {$37000.00}. I have received XXXX phones with basically getting scammed with each offer. All I want is a payment schedule. 
I have filed a complaint with the BBB. 
All phones calls and time are documented.
1. XXXX XXXX XXXX XXXX XXXX did an inquiry on my report without my consent. 
2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX did an inquiry on my report without my consent. 
3. XXXX XXXX XXXX XXXX XXXX did an inquiry on my report without my consent. 
4. XXXX XXXX XXXX XXXX XXXX did an inquiry on my report without my consent.
I am trying to apply for a car loan and have a security freeze on my Experian account, I paid the XXXX dollars to get this lifted on XXXX/XXXX/2016 and then they XXXX XXXX can back and said they could run file because I had a federal fraud alert on my phone number. My phone number was not listed in my file, I tried to call Experian they would n't help me over the phone so I logged on and put my phone number on file. Then they said I still had a federal fraud alert on my phone number which is impossible it 's the same number I have had for over 15 years. I just unlocked my security freeze 2 months ago and everything ran perfectly I ca n't get any answers or help from Experian and I am going to lose this deal. If I ca n't get this closed by Monday XXXX/XXXX/2016 it will cost my over XXXX in rebates and discounts.
PennyMac has violated the terms of my home mortgage by charging additional interest, applying payments first to fees rather than interest and refusing to provide an accounting even after a written RESPA request. They have made promises to provide an accounting, but have n't after a year. They have lied to me about how my payments have been applied and made false XXXX statements. I have contacted them in writing, by phone and by email over 50 times over the last year and they refuse to account for how my payments were applied to my loan. There is an estimate {$68000.00} in payments missing.
According to the Fair Credit Reporting Act, 15 U.S.C. 1681 XXXX XXXX must report accurate information. My credit report is reporting that my XX/XX/XXXX and XX/XX/XXXX payment is 30 behind and as of today is XX/XX/2018 Im. It 30 days late. XXXX XXXX needs a better system to repos accurate delinquency. I reported to XXXX XXXX that I have a medical emergency and I cant afford my payments. I need their assistance to reduce these Payments. I mailed in my XX/XX/XXXX payment to see if the company would get that faster but it still didnt report. I am so grateful for getting a credit card with this company but they arent reporting accurate information.
XXXX/XXXX/XXXX I down loaded the form for a free credit report, and supplied complete information and documentation on XXXX/XXXX/XXXX. 
This was mailed to Equifax on that date. 
I received a form letter dated XXXX/XXXX/XXXX, of XXXX pages with a research request form, no credit report included. 
On XXXX/XXXX/XXXX I received a form letter stating that I have received a free credit report from Equifax within the last twelve months. 
I had never requested nor received a credit report from Equifax prior to this XXXX. 
On XXXX/XXXX/XXXX after receiving the above, I called the dispute number, and spoke with XXXX providing the needed security information and, stating the lack of receiving the requested free credit report. 
She told me she would send out a complementary report even though their file shows XXXX was supplied per my request, that I would receive it in XXXX twelve days. 
XXXX then gave me another confirmation number. 
I received another " copy '', dated XXXX/XXXX/XXXX, this being the same form letters as the the first and second sets, with the " new '' confirmation numbers, as supplied by XXXX. 
On XXXX/XXXX/XXXX I called the dispute line and spoke with XXXX. 
His response was that he would immediately sign me up on line for a monthly fee so that I could look it up anytime. I declined. 
I now waited for approximately sixty days for credit report. 
Would appreciate some assistance.
I have experience what I believe is identity theft, having had both my savings and checking accounts compromised and hacked too many times to mention. My debit card was used and each time it was discovered, I had the bank cancel it. The financial institution, Wells Fargo, did honor the amounts on my checking account. However, they refuse to honor the amounts taken from my savings account, which comes to about {$2600.00}. I have not used a debit card due to this on any transactions. 

I recently wrote to Wells Fargo again giving them another chance to make the situation right. However, since I have written this letter, apparently my XXXX account was hacked to remove funds from my bank checking account. I immediately reported this to bother XXXX and Wells Fargo. The money was immediately refunded back to me. However, I tried to write a check today and it got denied. I also saw that my online accounts would not allow me to transfer funds. 

The Wells Fargo representative just informed me they have closed my account and I will receive any remaining funds by XX/XX/XXXX. She said that when I opened the account I agreed that either Wells Fargo or I could close the account at any time. 

Now because they refuse to refund me the money that was taken from my savings account ( approximately {$2600.00} ) and I do not have any access to cash, checks, etc. I must go and open an account at another institution ( I was going to anyway but was hoping to get the money first ) then go and withdraw funds from my 401k so that I can continue to live. 

No personal information but just note I am a XXXX year old widow who works full time and supports XXXX others. I have a mortgage, car payment and other accounts. Please help me to get the stolen money back ( I have a detailed copy of all the transactions ) and to warn people about my horrible experience with this company.
On XXXX I submitted a request to XXXX Equifax and XXXX. Transunion is the ONLY one who complied. Equifax and XXXX have yet to respond or comply with my section 609 request as of today X/X/2017. I requested that they provide me PROOF of verification verses a verified response as I am a victim of identity theft.
There is an inaccurate late payment on my credit report as a result of fraud charges on my credit card, I have never been late on payments however it is reporting on the credit report. I contacted XXXX fraud dept and they said they are not reporting the late payments and to dispute it with the credit bureaus, I have done that for the past year and nothing has changed. 


XXXX XXXX XXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status Paid, Closed. 
In dispute XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX Address identification number XXXX Type Credit Card Terms NA Credit limit or original amount {$500.00} High balance {$6100.00} Monthly payment {$0.00} Recent payment amount Not reported Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Comment Completed investigation of FCRA dispute - consumer disagrees. 
Comment Account closed at credit grantor 's request. 
Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX.
On XXXX XXXX, 2017 XXXX XXXX have purchased 3 vanilla gift cards with my credit XXXX  XXXX at XXXX store located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX. The cards were issued by Incomm financial services with {$450.00} denomination each. On XX/XX/2017 I discovered that 2 of the gift cards have XXXX balance since they were redeemed ( swiped per Incomm CSR ) on XX/XX/2017 at XXXX XXXX and XXXX XXXX at XXXX XXXX XXXX  XXXX for full amount ( {$450.00} and {$430.00} respectively ). I immediately contacted Incomm Customer Service to report the issue. I have filed a dispute with Incomm for which I got following response : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Dear Cardholder, This letter is to inform you that we have completed our investigation regarding the referenced ticket above. <P/>After reviewing your account, we have verified that your card was present during the time of the purchase ( s ). Under the Network Regulations, we do not have recovery rights to file a claim. <P/>Your dispute is no longer under review. With the denial of this dispute, we consider this matter closed. <P/><P/>They cards were ( and still are ) in my possession and no one ever had a possession of these cards other than me.
When I signed my contract for my student loan at age XXXX, I was under the impression that I would n't have interest charged until after I graduate. Now that I am more aware of my finances, I have noticed that I was charged over {$15000.00} in student loan interest while in school. Making my " affordable '' balance of {$60000.00} jump to well over {$80000.00}. I 'm being denied when I try to refinance my loan, because it is now at a 9.6 % interest rate, and I have have n't been given the time of day from other financial institutions. I 'm overwhelmed by more than just the number, but also the interest rate and I think that the student loan company not only fraudulently charged me an enormous amount of interest while in school, but they also took total advantage of a young student, without any other way to pay for college.
I fell behind on payments with Synchrony Bank due to a family medical emergency.I contacted the company regarding phone calls and I was told that in order for them to stop, I had to begin payment on my account. I agreed to post dated checks for 6 months at about {$250.00} ( last one being for the month of XXXX XXXX XXXX THE SAME DAY MY LAST CHECK POSTED XXXX/XXXX/XXXX I started getting the harassing calls again. They call every single day multiple times a day including weekends. Most of the time they hang up and never leave voicemails. My next Payment is not due until XXXX.
I have been receiving calls from these individuals with no written letter or information about the debt they say I owe. They have been calling my grandparents for months and have now moved on to calling my aunt too. It needs to stop. If this debt collector is real I need it in writing which I have not received. I received a text from my aunt stating they called on  XXXX   XXXX ,    2017  around  XXXX . They also tried calling my grandparents again on  XXXX   XXXX ,    2017  at exactly  XXXX . So they call ed  two third parties within minutes of each other.
I 'm trying to set up XXXX XXXX with my account so I can take funds out of my account to be able to purchase stock from the XXXX site. It 's not letting me set up my account with them.
The credit company Equifax was hacked and my data was stolen from their storage servers. This was reported by Equifax in early XX/XX/XXXX, however, they were aware of the breach on XX/XX/XXXX. I am now at risk of being a victim of fraud more than I have ever been in my entire life. I have been a victim of credit card fraud twice and I am extremely careful with my finances.
Bank of America ( BoA ) regularly advertises their " XXXX XXXX Visa Signature Credit Card '' with promotional bonuses of XXXX frequent flyer miles ( or more ) for booking XXXX XXXX flights. This bonus is contingent upon completing {$1000.00} of purchases within 90 days of receiving the card.
<P/><P/>
I applied for the BoA XXXX XXXX Visa Signature Card onXX/XX/XXXX. I saved a screen shot of the application page ( attached ), which clearly advertises a promotional bonuses of XXXX airline miles after spending {$1000.00} in 90 days.
<P/><P/>
BoA granted me an instant approval, but misleadingly, the approval was *not* for the BoA XXXX XXXX XXXX  Signature Card . Instead, BoA approved me for the XXXX XXXX Platinum Plus Card, which has a much smaller promotional bonus of only XXXX airline miles.
<P/><P/>
BoA did not clearly distinguish this product switch whatsoever. I received no email, letter, or other notification that my application for the XXXX  Signature Card was denied. Instead, BoA mailed me the Platinum Plus card, which arrived with no mention of either the XXXX or XXXX promotional bonus. BoA only advertises the " Visa Signature ''  version of the XXXX XXXX card on their website, so there was no reason for me to believe a different " Platinum Plus '' version of the card even existed.
<P/><P/>
Once I received the card, I made more than {$1000.00} of purchases using the card, not knowing I would receive only XXXX bonus miles for the promotion. Once I received the XXXX promotional miles, I was confused. I waited to see if an additional XXXX miles would post to my account, which never arrived.
<P/><P/>
Today, on XX/XX/XXXX, I called BoA and inquired about the promotional bonus. BoA informed me that because I was only approved for a {$1500.00} credit limit, I did not qualify for the Visa   Signature card, which is why I was mailed a Platinum Plus card instead. I explained to the representative that this was very misleading to me. The customer rep argued it was not misleading and offered to transfer my call to the credit department, suggesting they could explain why I was only approved for {$1500.00}. Since this would only waste more of my time, I declined this suggestion and hung up the phone.
<P/><P/>
I strongly suspect that many other consumers have had this same issue. According to BoA, my FICO score was well over 750 at  the time of application, and I listed an annual income of more than {$100000.00} on the application. I suspect a large number of other customers with similar or worse credit scores have had the same " bait and switch '' tactic applied to them. After some cursory internet searching about this problem, it indeed seems to be a common issue.
Creditor is attempting to collect a debt that is not owed. The agency states {$4900.00} is owed for a workers compensation policy renewal to XXXX XXXX. A cancellation of this policy was requested several weeks prior to the renewal date. No renewal should have been issued. No bill was ever sent to us. No attempts to contact have been made, until now. This is not a debt that is owed.
HIPAA violation no knowledge of the fraudulent collections medical bill on my Equifax credit report. FTC ID Theft Report # XXXX
I received a bill a few months back about a bill in which they had the incorrect date of birth. They said they would clear the payment, but now I have received a bill saying the account has been placed in collections. I have absolutely no idea what this company is whatsoever.
For about 50 years, I had a credit card with Macy 's. For the past 20 years, at least, I rarely used it. Occasionally, there would be a discount available on a purchase with the use of the card, and I would use it then. Since I used it so rarely, I usually had to update the account with the cashier at the time of purchase. Each time, I continued to have the same card, same number, and same name on it. In XX/XX/2016 I made a purchase, using my Macy 's card, was told I had to update it, and did. This update was a bit more complicated, and I was issued a new card with a new number and in a variation of my name - from XXXX ( husband 's name ) to my name. I received the bill for that purchase, which was due in mid XXXX and paid it on time. 
In XXXX I made another purchase at Macy 's in the amount of {$48.00} on my credit card and did n't receive a XXXX statement. I did n't realize that I did n't receive a statement because I was unused to looking for Macy 's bills. I will mention here that for at least 40 years I have used my other credit cards extensively each month and pay them on time and in full. Besides being old ( XXXX ) I 'm old fashioned that way! 
In late XXXX I received a phone call from Macy 's saying that my XXXX bill had n't been paid. I explained that I had n't received a bill and was told that I owed {$75.00}. I was surprised and believed that if I could speak with a superior, I could explain the error. After asking repeatedly for someone who could help me rather than someone who was trained to parrot over and over, " That 's our policy, '' I said that when I received a bill, I would pay it since I did n't know the exact amount of my purchase, but that I would n't pay a fee. 
In XXXX I received a Macy 's bill for {$75.00} - my purchase of {$48.00} plus a fee of {$29.00}. I immediately paid the {$48.00} of my purchase. Shortly afterward, before the next billing period, I received a robocall from Macy 's with instructions to call a certain number and give them a number to access an " important message about my account. '' I naively believed that the message would be that everything was settled so I followed the directions, was on hold for 15 minutes and then disconnected. I never spoke to a human being. Since then, I have received two more statements - XXXX and XXXX - and my bill is now up to {$100.00}. Macy 's robocalls me at least once, sometimes twice a day. I 've ignored the calls.