WillisBack/dataset-financial-user-claim huggingface dataset:
My social security check is now sent to Direct Express they use a bank called-Comerica Bank, On XXXX/XXXX/17 my card was cloned according to the bank in Florida the amount of XXXX dollars was taken from a bank in Florida.DirectBank told me that they would do an investigation and found that the card was cloned and used in Florida. They did that and found that it was cloned, they told me they would credit my money back to my account.as of this day over thirty days later no money was credited to my account, I tried several times calling and was told several time it should have been there they would put a tracker on it!
My stafford direct subsidized and unsubsidized loans were transferred to PHEAA because I work for the Federal Government and am pursuing the Public Service Loan Forgiveness ( PSLF ) plan. I am on the Income Based Repayment ( IBR ) plan. My employer paid {$5000.00} to my servicer on XX/XX/XXXX as part of a retention benefit, reducing my principal. I had turned off " pay ahead. '' On XX/XX/XXXX, I noticed that my repayment amount under IBR ( which has been revised to the standard repayment amount, due to my income ) remained equal to the amount in past months when principal was much higher. I contacted PHEAA, who via their frontline employee and supervisor Ha, ( PH XXXX ) insisted that in order to have my monthly payment amounts reflect the newly reduced principal amount, I must leave IBR and switch to standard repayment. Although I insisted that this made no sense since IBR repayment amounts are capped at the standard repayment amount and this means that given the lower principal amount, I am now being overcharged, they refused to admit that this contradicted Dept. of Ed. Rules regarding IBR repayment. PHEAA insisted that unless I switch to standard repayment, I will continue to be charged the monthly repayment amount that corresponds to much higher principal. PHEAA services all loans under PSLF. As a result, this practice is not only directly harmful to not only my eligibility for PSLF ( as I will be overpaying and ultimately eligible for less PSLF forgiveness ), but to all public servants. These practices run contrary to the basic principle of IBR repayment, that it should not exceed the standard repayment amount, and contrary to guidance that IBR is the best option for PLSF, solely administered by PHEAA. I appreciate your assistance in resolving this before my first overpayment would be charged this month ( on XXXX XXXX ) and ensuring that no other public servants have their benefits under PSLF unfairly affected by PHEAA 's deceptive practices. I also submitted a complaint to the student loan ombudsman on XXXX/XXXX/16, reference # XXXX. Thank you.
I have received a XXXX/XXXX/2015 letter and various phone calls from Central Credit Services, LLC attempting to collect a debt from XXXX in XXXX. These are most likely about a XXXX services accrued in a Bundled service. I have statements from XXXX showing that the statements are paid in full. I previously filed a complaint with the FTC regarding this manner and I thought it was taken care of. Now I am receiving bills at my new location in XXXX.
XXXX XXXX, XXXX Consumer Financial Protection Bureau ( CFPB ) Dear Sir or Madam : Please see attached for the full details along with previous case/complaint number XXXX. 
As indicated in the initial dispute filed against XXXX in XXXX XXXX and in the subsequent letter in XXXX XXXX, this XXXX/XXXX account was requested to be closed in XXXX XXXX and a final bill was never issued although repeated attempts to obtain final bill were made. XXXX has been contacted via the telephone and in writing numerous times. XXXX/XXXX continues to be uncooperative. 
XXXX/XXXX admitted to sending personal, private, financial information to the wrong address and some unknown email address for over nine months. They also admit to allowing someone to gain access to this private account information online for over nine months. XXXX refused to provide the incorrect address or the incorrect email address without a court order ; however, their collection agency, XXXX, XXXX, and XXXX, XXXX provided the incorrect address. This incorrect address is now appearing on the customer 's credit report with all XXXX credit bureau agencies. While the incorrect email address is still unknown, the incorrect address is : XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX refuses to issues invoices to the correct address and refuses to accept responsibility for their actions. They reported incorrect information to XXXX different credit reporting agencies which is still in the process of being resolved well over a year later. They have caused a lot of unnecessary delays and issues. They continue to harass us with various collection agencies, including the latest agency, XXXX XXXX XXXX. 
First, this account should not be in a collection status. Any and all issues are XXXX 's fault not ours. Secondly, we have called XXXX - many different departments within their organization - to no avail. We 're not calling them anymore. At this point, everything needs to be in writing.
I have been a customer of PNC Bank for over 10 years, and I have had a PNC points Visa credit card for most of that period of time. My main checking account is with PNC. Recently, I received a prescreened offer of credit from PNC encouraging me to open a PNC points Visa credit card - which, as I mentioned, I already have! I was concerned that either a. the account had been closed for some reason and I had n't realized it or b. there was a data integrity issue within PNC that resulted in them not realizing that I was currently a card holder. I contact PNC online customer support who told me that in fact they do routinely offer identical products to current customers for their own " benefit. '' I realize this is a very small problem in light of all of the other issues facing consumers in the financial space, but I 'm just incensed that PNC has so little regard for me as a customer. I fail to see how opening another credit card I do n't need ( and already have! ) is in any way a benefit to me. It 's insulting, and it 's tricky.
In XX/XX/XXXX, I logged into Navient to pay my student loan bill the day that its due which is the XX/XX/XXXX of each month, but it stated that no payment was due. Checked again a day later and it still stated that no payment was due. Checked again a week later and still no payment was due. I logged in yesterday to make a payment for this month ( XX/XX/XXXX ) and I not only had XX/XX/XXXX payment to pay, but also now XX/XX/XXXX payment finally showed up as a late payment and now I have to pay for both months.
THIS COMPANY IS LISTED ON MY CREDIT REPORTS. I HAVE ASKED FOR THIS DEBT TO BE VERIFIED FROM THE ORIGINAL CONTRACT BEARING MY SIGNATURE.PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES I DEMAND VERIFICATION. THIS DEBT IS LISTED AS A COLLECTION ON MY CREDIT REPORT.
I sent this company my dispute letter on XX/XX/XXXX with a detail explanation on what accounts were derogatory and needed removal. I even attached all the documents they requested as proof to assist them to run a smooth investigation on this matter : But to my surprise, this company still kept reporting these erroneous accounts. This letter is a written proof of my intent to resolve this matter and have these inaccurate accounts expunged from my report before pursuing legal action. 
For yet one last time, the following accounts are derogatory : XXXX XXXX ACC # XXXX, Date Opened XX/XX/XXXX, Balance {$1400.00} I dont understand where the late payments are coming from, I have always paid in time. Please correct thing wrong data asap. 

XXXX XXXX ACC # XXXX, Date Opened XX/XX/XXXX, Original Balance $ XXXX- I have never been late on this account, that data is frivolous so please delete it asap I have attached herewith the letter I sent to this company as proof of their failures to investigate and fix the errors I pointed out for reference.
Fraud occurred on my Bank of America ( BoA ) credit card on XX/XX/XXXX-XX/XX/XXXX. I contacted BoA on XX/XX/XXXX to report. They immediately closed my card, reversed the fraudulent charges, and sent me a new card. On XX/XX/XXXX, I made several returns to XXXX XXXX XXXX and on XX/XX/XXXX to XXXX. After three calls between BoA telling me it was XXXX ' problem and XXXX telling me it was the bank, someone in the fraud department told me that BoA had " upgraded '' their system in XXXX which requires customers to call for balance adjustments each time something is returned back to the old credit card account. Fraud has occurred on my BoA credit card at least once a year for the past several years. I have never before had to be this involved with getting my credits transferred to the new account because it was always treated as XXXX account. After five calls to BoA, I finally reached someone in the fraud claims department who knew of this new system flaw and helped me with the balance adjustments to my new account. Most of the adjustments were correctly reflected as credits to my account. XXXX of them was transferred as a debit. A sixth call, XXXX BoA employees, and 45 minutes later, an employee understood my issue and said I should receive a reversal and credit back in one or two days. Please note this was approximately {$2400.00} that was held up for almost four weeks of calling Bank of America six times. Had I not kept calling, I would not have gotten my money back. A BoA system upgrade should not become a consumer problem! I have been a checking customer with them for 20 years and credit card holder ( of the same account ) for 11 years. I am seriously considering switching banks after this fiasco.
sent police reports equifax is taking more than 45 days to remove my items that was taking off by their competitors
My name is XXXX XXXX and I 'm writing you about an entry listed on my credit report. Apparently someone with as similar name to mine filed bankruptcy in XXXX, NJ bankruptcy court and it appeared on my credit report. I decided to contact the bankruptcy court and they informed me that they do n't provide anyone with debtor 's full social security number and they do n't provide any credit reporting act to report erroneous information. As you know it a a violation of fair credit reporting Act. And I 'm requesting to have it removed immediately.
security credit services placed a collection account on all three of my reports and at first had the date and amounts wrong, I disputed this and it was changed but the original creditor had been deleted a couple years prior, then just this year this collection co. appeared, I have demanded that they be deleted but havent been as of today. This account would be 6 years old today by the original creditor, I cant see what the collection agency has listed.
I noticed this company on my credit report not once but twice with the same amount of debt with two different account numbers. I attempted to call the company and advise them that they should contact the school regarding the matter. I was a involuntary withdraw from online classes due to a car accident that left me incapacitated during the time class were in session. Therefore the debt that have as owed is incorrect. I gave the company my attorney information however, they have since done nothing about this. Not only do school policy relieve me of financial obligation but so do federal regulations. I was hospitalized for almost one month putting me behind in the class. I was not able to attend and NEVER logged back in after the accident happened. I only called the school to advise them of what happened some time after by way of attorney.
When I reviweing my statement I found 4 transactions I did not made them.

XX/XX/2018 XXXX *XXXX   XXXX XX/XX/2018 XXXX *XXXX  XXXX   XX/XX/2018 XXXX *XXXX XXXX   XX/XX/2018 XXXX *XXXX XXXX XXXX I filed a claim to Bank of America on XX/XX/2018 by phone at XXXX XXXX They told me that they will remove those transactions from my account They removed it but after about 2 days I found them again in my account And I received a letter from bank of america that they finished the investigation and I have to pay that amount NO one from bank of america called me or asked me what happend I did not made this transactions and I should be not liable for fraud transactions
My wife and I were approved for a home loan by InterLinc Mortgage Services in XXXX XXXX, TX. My wife and I were scheduled to close this Wednesday, XXXX XXXX. On today, XXXX XXXX at XXXX InterLinc sent me an email and stated that we were full approved and to proceed with the final walk-through of the property and to provide a time to meet at the Title Company. At XXXX today, XXXX XXXX, InterLinc called and stated that I was no longer approved. They stated that the reason for the last minute denial was because of the current home that we are renting is under forclosure and that rent payments have not been made. I sent them an email from the property management company which shows their approval to stop paying rent due to the forclosure, however, InterLinc still revoked their approval. This has caused us to lose our dream home. Please help us.
Experian is currently reporting a collection account XXXX XXXX XXXX. I have contacted Experian via mail five times regarding this account. This account does not belong to me. I have asked Experian to validate this debt and provide me with proof that this account was properly verified. Experian has failed to do so they put the responsibility back on me by telling me to contact the creditor. Experian has refused my dispute request stating account has been verified but has not provided me with any information regarding the steps used to verify this debt including the name and number of the person contacted to verify this debt.
This account has been reported on my credit and should not have been. This was originally a hospital bill. After sending in my insurance information they should have corrected the issue. Back in  XXXX  I contacted my insurance and on a conference call with progressive management they agreed to fix the issue. According to law this should never have been reported. This situation was discussed and cleared and was stated it would be removed from my credit report.
I got a call from stellar recovery. The lady tells me that i have debt with XXXX for XXXX. I told her that this is the first time i had heard about the debt. I asked her some questions as to when this so called debt happened, she says it is from XX/XX/XXXX. I said i do n't believe that was correct last i remember XXXX was after me to turn there equipment which i did. I asked her if she could validate the debt and she said so you are disputing that this debt is valid, and i said i would like some proof and she said ok and hung up. This call was made approximately on XX/XX/XXXX. I got an email this morning that may credit score had dropped i have a collection account from stellar on all XXXX bureaus. I have so many phone calls from fraudulent outfits lately, just last week i got call from the irs saying that i owed them XXXX dollars and if i did not pay they would arrest me.
I 'm XXXX. We have a unit owner who has paid NO common charges in over XXXX years. She presently owes our XXXX over {$100000.00} and we have no remaining recourse because the bank refuses to foreclose on the mortgage. We would like the bank to foreclose and reimburse us for maintaining THEIR property for all these years.
When attempting to post additional payments to this account to reduce the amount of interest paid to Wells Fargo Dealer Services I was told that loan payments are always taken care of first. This includes interest to the loan that was not earned yet. Additionally it will not deter interest for the amount paid ahead until you are three payments ahead. 
I have called and spoken to Wells Fargo 's customer service department on more than one occasion including escalation to a supervisor and I was told that this is policy. 
I am including a screenshot of the web page that told me I had to pay three payments ahead before they start applying payments to principal only! 
Thank you for your help in this matter!
Dear Trans Union : I had called you in reference to a closed utility account named XXXX XXXX account number XXXX. This account was reported fraudulently by the credit on XXXX XXXX 2017. After closing and paying the account, whomever reported this information should be investigated for using FCRA systems in an improper manner. Despite my dispute Trans Union has not fully investigated, and I am asking the CFPB officials to investigate the matter before I file a law suit in regard to XXXX XXXX Illegal credit reporting. 

Not only the act was in violation of state law ( 16-262g ). It was willful act by either collection or customer service agents at XXXX XXXX to harm consumer credit. 

Trans Union needs to delete the entire account, correct and block the creditor from conducting illegal credit reporting.
Dear Sir/Madam, While my ex-wife 's lawyer was filing for bankruptcy for her, they included my social security number instead of hers and all my accounts got affected because of their mistake. I contacted both XXXX and Experian credit companies to remove that record and fix my existing accounts however when I applied for a XXXX XXXX XXXX credit card, they rejected my application saying one or more of my accounts included in a bankruptcy. When I wrote them a letter explaining the same as above, they ran another credit check and sent me the same denial letter which caused my score even to drop more. I kindly ask your assistance to remove all mismatched information with my ex wife, XXXX XXXX, from my reports.
I was misled on the interest rate and money I would need to pay back. I borrowed {$300.00} and each month only {$10.00} to principle. This month I owe {$170.00} and my payment is {$61.00}. XXXX dollars towards principle and {$51.00} in interest. This is outrageous.
I've tried multiple times since XX/XX/2019 to have my credit reports pulled by XXXX XXXX. They are attempting to do a 3-bureau pull, and resulting with no scores due to the fact that one of my reports is frozen. I believe my Experian report is frozen despite my repeated thaw requests. Both of the other credit bureaus report my status as not being frozen on their websites. The websites are well designed, user friendly, and informative, as I would expect from a company of this importance. Experian 's website does not offer the ability to query status of report availability, only the option to " freeze '' or " unfreeze ''. I have emails from Experian stating that my report has been requested to be unfrozen, but no real confirmation online. It's been five days. 

The complaint : The worst part of all this? There seems to be no possible way to talk with a human at Experian. All of their phone numbers are endless loops of automated prompts to information that can't help me. Every combination of answers leads to a dead end, with no ability to speak with a representative. Further, there seems to be no email address that I can find on the site for customer support. And there of course is no online chat capability. 

Am I missing something? This company has been entrusted with our most valuable personal information, and they are both unreachable and unaccountable. Can someone please help me simply contact a representative of this company?
Bought XXXX XXXX XXXX in XXXX and finance through Capital one finance, reporting all my payments late which is untrue ... also repossessed my car after 3 days being late XX/XX/XXXX after me calling them that family member is ill.Car was taken at XXXX XXXX and they wrote on report it was taken at XXXXXXXX XXXX  so they could get extra day storage. next day paid all fee. at storage yard .paid cash .I want to get my license from parents car they had automatic lock on door and wouldn't let me out for 15 minutes. 
I just was looking at credit report, have look at for over 6 years and saw this Neg, marks that I was late on all payment which is untrue, I was give a refund check which the put stop payment and effect my bank account, I over paid just to get my car out and want these neg off credit reporting companies. 
XXXX XXXX
On XX/XX/XXXX A contract was signed with XXXX. My contract was good until XX/XX/XXXX. On XX/XX/XXXX the FTC of XXXX shut down XXXX because it was a scam. Chase Credit card services contacted the merchant and the merchant responded that they would not refund me the money. 

When the FTC shuts down a company they freeze all the money of that business. The merchant could not refund my money even if they wanted to because of the freeze on all their accounts. 

I was not asking for the merchant to refund the money I was asking Chase to refund the money. I have been involved in this dispute with Chase since XX/XX/XXXX. Each time they ask for the same paperwork because they can't keep track of the paperwork I have sent them. I have submitted paperwork substantiating my claim for a refund. Each time they say they don't have the paperwork so I send it again. How can a company refuse a refund when they can't keep track of documentation supporting the dispute. 

I had a year contract with XXXX I sent Chase specific documentation of what services I received during that time period and what services had not been received. I sent them the signed contract, letters, invoices, FTC paperwork etc. The proof they have that I was misled lied to and cheated out of {$35000.00} is more than sufficient to prove I am not liable for the charge to my Chase card for {$16000.00}. 

Thank you for looking into this matter. I still have {$35000.00} of debt because what XXXX taught me, made me absolutely no money, but got me further into debt. 

Thank you so much
Hi! I am writing in hopes that someone somewhere can help me I put my card on file at a budget rental car place on XXXX/XXXX/2016 on XXXX/XXXX/2016 they took out XXXX and some odd cents out of my account the funds were never available in my account so it went through and caused my account to overdraft I am not opt in overdraft protection so it should have never went through now I am having to dispute charges and wait 90 days for something I should have been protected against and I 'm livid and every customer service agent I get gets me no where.
I disputed a collections account for {$820.00} with XXXX XXXX XXXX, at the beginning of XXXX, 2018. I was notified that the account had been removed, due to the fact that I do not have a contract to pay this company. Immediately after being notified that the debt had been removed, I was notified that the account had been added back to my credit report. I have no contract to pay with this company, and they need to remove this from my credit report.