WillisBack/dataset-financial-user-claim huggingface dataset:
Signed up with tmobile, had a phone and a tablet with data. My tablet kept breaking under manufacturers warranty. I called the manufacturer to send it in for a warranty repair ( which would have been free ( - {$7.00} shipping ). Unfortunately since my tablet had LTE, they told me I have to go through where I activated it to have it replaced. I went to XXXX and they created a service order to get me another sent out. They charged me {$20.00} for shipping and tried to tell me if I had a protection plan it would have been free. I 'm not happy about the {$20.00} shipping vs the {$7.00}. Anyway, I get my tablet and it has the same issue as the first. I go into XXXX, and I 'm hit with another {$20.00} shipping charge ( mind you it 's still under mfg warranty ). I reluctantly paid them again and waited for my new tablet. When it came in the mail, it was cracked in top right corner and bottom right corner. I go to XXXX store and yet again they tell me {$20.00}. I did n't warranty it again that time because thatwould have been {$60.00} to get a warrantied tablet working. Anyway, I decided I was done with XXXX. I called them up to cancel my services and to lay my final bill. The first person that picked up the phone was very unhelpfull, I told him I wanted to cancel my lines, yet he was very persistant to try to keep me as a customer. I refused, and that should have been the end of it. A few months later I realized that he did n't cancel my account and I have been getting billed for tablet data. I call back and the second person that helped me was very helpful, she closed my account fully and she looked over my account, and she told me my final balance. I paid for it over the phone and she told me that everything is payed for and to ignore the next bill in the mail, as todays payment would not show up. Bill shows up and gets ignored like she told me. The bill kept showing up for the same acct. They called me about it. I told them to check their records, everything was payed for. They sent me to collections, so I filed a XXXX complaint. An agent from XXXX called me to inquire on the complaint made by me, I expected him to have my information and history ready. He calls, he tells me I owe {$110.00} for my tablet, I asked him to go through my notes and records on the account, but he told me he did n't have any of that ready, and insisted I pay them. He did no research into my account, and talked down to me. He was n't willing to go through my acct history, and told me to just pay them. Now I get annoying collection calls all day from a XXXX.
I have disputed accounts on my Equifax report and they verified it as accurate but they are not my accounts I asked for proof and they send me none XXXX never had a account XXXX XXXX have had XXXX for last 5 years XXXX XXXX is saying I wrote a check to XXXX I don't have a check book I have tried to dispute these accounts I get nowhere
Bank of America keep charging me over extension fees on returned check that have been returned. I ask them to charge me " XXXX time '' the {$35.00} insufficient funds fee, I will gladly pay that amount for each return check, but not {$35.00} over and over again for XXXX check and then another {$35.00} for some extended fee they keep charging.
There appears to be an error in the reporting of an collections account with  XXXX   XXXX  on my credit report with No Balance and an  Open Status.   <P/> This is an error in reporting as per the FCRA and FDCPA guidelines.  <P/> Please remove the account immediately from my credit report.
Citibank has continually assessed overdraft fees to my account in violation of the XX/XX/XXXX Overdraft Protection Law. When I contact the bank about this issue, they deny that this law exists or that they have done anything wrong. They claim it is part of my bank terms of service, but I never opted into the program and they can not provide any contract or paper trail confirming that I have opted in.

Details : Assessed {$34.00} overdraft fee on XX/XX/XXXX Contacted bank on XX/XX/XXXX Bank employees told me this was " how all bank accounts work '' and denied that there is any overdraft protection.

Refused to waive the fee
Nationwide Credit Corporation is reporting, to XXXX and maybe other credit reporting agencies, individual visit dates of service from a doctor 's office as individual " accounts '' based on account numbers generated by them. I do not have anything from the doctor 's office identifying the account numbers they are reporting. I have the bill from the doctor 's office showing my single account # of XXXX with charges by dates. I have XXXX " accounts '' /entries being reported to XXXX by NCC for this XXXX individual account I had with the XXXX of XXXX XXXX . None of the XXXX entities, XXXX, NCC or the XXXX/XXXX will take ownership of consolidating the charges for the XXXX single individual " account '' I had with XXXX.
On XX/XX/2018 I deposited a cashiers check issued by XXXX XXXX XXXX in the amount of {$14000.00} into my checking account at the Chase Bank branch located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( receipt attached ). On XX/XX/2018, Chase Bank froze my account telling me that it was because the teller did not scan the check and they couldn't locate it at the branch. I could not access any of the funds in the account and was later able to transfer the other funds, not including the {$14000.00} into a new account with Chase Bank. To date I have still do not have access to the {$14000.00}. After repeated visits and phone calls with Chase the issue has not been resolved. The main contact with Chase has been XXXX XXXX, Vice President XXXX XXXX.
On or about XXXX XXXX, 2017 Equifax released my credit report information to unnamed third parties without consent. My private information, such as my SSN, date of birth, driver license number, and address, collected by Equifax and held in trust, are now, basically, public information. As a result, I have been forced to monitor my finances with extreme diligence to watch for fraud that may negatively affect me financially and affect my ability to obtain future credit. Equifax has put an undue burden on me to prevent fraud to my credit. I have filed a fraud alert with Equifax.
Ally pulled credit report XX/XX/18 through XXXX  and told the dealership there was a fraud alert on the credit report and could not proceed. I verified with XXXX  there was no fraud alert.
In XX/XX/XXXX, I got a letter from mortgage co telling me they no longer would pay my ins this after they had collected themoney for the past year.During this time my taxes were reduce by 40 % .So they end up having my money in escrow for billsthey no longer were paying.After numerous phone calls to them they refuse to refund my over payment and reduce my escrow amount. 
In XXXX of XX/XX/XXXX after giving up I made a payment for the total of principal and interestwhich they posted as all principal.So after XXXX XXXX XXXX XXXX months of being lied to I have not sent in a payment.Now they are foreclosing on me.
Two loans through Navient doubled due to accrued interest. Went from XXXX to XXXX. I 've asked for a lower payment, but I do n't meet the income continent plans. They do n't take into account other students loans, house payment, car payment, etc. They are rude, unwilling to help, and should be held accountable for misleading practices concerning accrued interest.
We reviewed our closing disclosure on XX/XX/2018 and we feeling pressured to sign. Our loan officer did not offer to review with us and we were shocked to find out the loan origination fee of  XXXX on a XXXX mortgage loan amount. I feel like they are taking advantage of the New Home Buyer's credit and double dipping into our wallets as the consumer. I would like your help taking action and making sure this company is not ripping other uneducated first time home buyers.
One of my reports shows 2 late payments. The cc company had no problem since I was in the hospital for 4 months. 2 months show up on the report as delinwuent. This has affected my score. They have now even looked into it yet after approx. 3-4 months. I have followed up and still no results. 

Sincerely, XXXX XXXX XXXX XXXX
I believe that my financial information waS part of the group that was stolen from Equifax. I hold Equifax responsible for any financial damage done to my account as a result of fhis information leak
I can not get my free XXXX even though I send in the correct information. I have been denied. I tried by phone and the response to my information recorded was unlegible I could not understand the recording I had made and I was not able to get an agent or operator on the call. I Went online and was denied my XXXX and I am seeking information on how I can get this report from all three credit reporting company 's. By the free XXXX which I believed to be associated with the United States Government under Federal Government approval.
Thr lender keeps contacklting me about a vehicle that I have n't had in my possession since XXXX of 2015. I was assuming that they were the ones who repossed my vechile since I didnt have anything else on it. I want the calls to stop while I 'm at work! I 've mentioned several times to contact me when I 'm not working, however, the company refuses to contact me within those time frames, not to mention its probably illegal for the representives to call me from their personal cell phones which actually did happen!
I have worked with the credit reporting agency for almost the entire year, I requested proof of validation on a bankruptcy per the fair credit reporting act, which gives me as a consumer the right to have anything on my report validated or it must be removed from my credit report because the information is incorrect and not 100 % accurate. I wrote the U.S. Bankruptcy court in South Carolina, and I got a letter back from the clerk of court stating that no reporting agency received any information that was requested, which means the item was not verified. I have documentation, certified from every encounter with the credit agency, I will gladly mail them to you upon request because they are to numberous to e-mail, however, I will include a copy of the letter I received from the clerk of the bankruptcy court in South Carolina.
I have XXXX credit cards with Chase Bank. In the past 2-3 years I have sent well over {$600000.00} using their cards. From the very beginning of using their cards, I have never been late XXXX single time for a payment during any month. When I make payments, it is usually in thousands of dollars done XXXX or XXXX or 4 times a month. They say I am a very good customer and thank me for making them so much money as a good customer. As they make their XXXX % on my balances, at the same time they are reporting to the credit reporting agencies that I am a risk of missing a payment and the reporting agencies have labeled me as a very poor credit card risk with a very poor utilization since I use so much money. They rate me very poor and this reflects in a lower credit score of about XXXX. With a score that low many underwriters take my application for growing my business and deny me the opportunity to borrow money to make more money. The credit card companies would like me to use not more than 15 % of the limit showing I am worthy, but then I ask what is the point of having a credit limit, especially if I can utilize that {$15000.00} limit and make those payments with no lose or risk to them. It appears the banks have it both ways in that they make a ton of money off me, get paid, never chase me for money and tell all creditors I am not worthy of any additional credit. What the banks and the credit agencies do not even consider is my mrtage payments monthly are about {$9000.00} a month and I have not been late in the past five years with any payments. The characterization of the credit card agencies does not give an accurate profile of what I can afford in a monthly payment. If you look at the payment history of my profile, not only do I make the monthly credit card payments, the mortgages, the loans and when all monthly payments in my life are totaled they approach {$30000.00} a month. BUT, the credit reporting agencies are telling everyone that looks at my credit that I am a poor risk because I utilize my credit with the banks. Since the banks are in business to make money, and they do make money off of me, how is it fair they can also tell any creditor who looks at my profile that I am a very poor risk. This is wrong, everyone I speak with tells me this is wrong and yet in the banks and the credit agencies continue to demonize me financially and should not be allowed to do that. I can not refinance anything or borrow any money due to the erroneous profile of the banks and the erroneous profile the credit reporting agencies give me. I am livid they have the power to get away this this sham and what makes me even more angrier that no bank will answer my concerns and credit reporting agencies use the rhetoric of " we only report what we are told ''. The XXXX agencies should be investigated by the government because XXXX out of every XXXX people will all say what they mess they make of their lives.
I have has an account with Navy FCU for over 20 years. I have never missed a single credit card payment and often pay hundreds if not thousands over the minimum payment. This month an automatic payment was made, at the time it actually coverd the 2 % of the balance as a minimum payment. However, NavyFCU, as you know from last year 's lawsuit, uses many illegal ways to make more money. They rebalanced the account prior to the payment posting and the payment was XXXX short. Instead of any notice, Navy FCU froze the account for only XXXX and 5 days past due ( only XXXX due ). They provided no notice, nothing, even after I have NEVER missed a payment. When I called the " Manager '' hung up on me and was extremely rude. Additionally, even after a payment, the refused to unlock the account. They claim the system is automatic and Navy FCU has no control over anything. As you know they have EXTREMELY aggressive systems in place to lock down accounts and do nothing to resolve it. I would ask that you investigate them again.
XXXX XXXX XXXX XXXX Bank of America Loan # XXXX When Bank of America was the servicer that told me untrue and incorrect information and then later tried to take my home. This has caused me to lose the 2 % HAMP modification that I previously had. See attachment for details. 
Bank of America clearly misled me.
Re : Erroneously Classified Defaulted Perkin Student Loans I would like to report suspicious activity and/or an alleged scam on behalf of XXXX   College at XXXX XXXX located in XXXX XXXX Massachusetts. I am applying to graduate school and to my surprise I discovered through a FAFSA email on XX/XX/XXXX that I am ineligible for federal student aid because I have student loans in default. According to the XXXX XXXX, I have two Perkins Loans in default, as last reported on XX/XX/XXXX. Loan 1 is for the amount of {$2000.00}, disbursed on XX/XX/XXXX Loan 2 is for the amount of {$1500.00}, disbursed on XX/XX/XXXX. These loans were acquired while I attended XXXX College at XXXX XXXX at the age of XXXX.

I am questioning the practices that were employed on my behalf, when I was an underage non-traditional XXXX XXXX. I am unaware that these loans were not included in the forbearance/deferment programs my federal loans are under. To date, Ive never received any repayment communications from XXXX  College at XXXX XXXX and/or their associated loan servicers. XXXX College at XXXX XXXX Financial Aid department has had consistent staff turnover, and the Financial Aid Director has changed each school year. I have never seen or signed my financial aid paperwork in-person at the schools office or been given any copies of digitally signed documents. In addition, my financial aid package fluctuated each semester, covering a different portion of my tuition and fees, with unclear processes to continue my enrollment.

I am unable to locate these loans in order to petition the default status and make subsequent appropriate repayment arrangements. These loans servicer, according to Federal Student Aid, is XXXX College at XXXX XXXX and the listed phone number to contact is XXXX   Therefore, I contacted the XXXX College at XXXX XXXX  Financial Aid office onXX/XX/XXXX. I was referred to XXXX XXXX to resolve my problem. I followed up with the number I was provided with. I then discovered, XXXX XXXX is no longer a company and these loans were transferred to XXXX XXXX. Next, XXXX XXXX informed me that my account has been transferred to Transworld Systems Inc. According to Transworld Systems Inc, my account is inactive. I am now in jeopardy of a wrongful lawsuit or wage garnishment from a debt collector/ loan servicer to no fault of my own.
Date of Service : XX/XX/2013 Amount Owed : XXXX Since XXXX I have been trying to have this erroneous reported debt removed from my credit report. It has had adverse affects, especially at a time when I am trying to get a home loan. 
I was part of the hospitals financial assistance program and my date of services was XXXX out and covered by the program : XXXX. 

The hospital sent word that : " Ive just heard back from XXXX XXXX. Theyve confirmed that the account has been closed from ARS ( Ability Recovery Services ) per the financial assistance approval. They have also removed any derogatory credit reporting that was done as a result. '' Yet when I contacted the credit bureaus recently, they say the removal happens immediately once it has been reported and it has not been removed. 

I feel I have very little control over what is happening to my credit. The credit bureaus don't care about the proof I have submitted or what I have to say or what the hospital has to say. They only want to take the side of the creditor which is a 4th party at this point. I can not live with this type of unnecessary stress and now am having negative repercussions for something that never should have been sent to collections and on my report to begin with. 

The hospital has been amazing and has done all they can do. I am extremely impressed and thankful for their help. This is now up to Ability Recovery Services to remove this account from my report immediately. Not when they feel like it, but immediately. 

I'd also like to send a complaint about the bureaus for not performing proper investigations into this and for not accepting the word of the hospital and proof I sent in. This could have and should have been handled immediately once they received all of these documents. They also refused to contact Ability Recovery Services. So tell me, how can they perform investigation on disputes without proper communication? 

Thank you in advanced for your help in this matter.
I received a text message from XXXXXXXXXXXX which stated " no subject / USBank-UrgentNotification.Call : XXXX XXXX XXXX XXXX ''. I called the number and it asked for my social security number right away after saying it was US Bank. I did not enter my social security number. Instead, I called US Bank directly and spoke with the card services department to see if there was anything suspicious going on with my debit card. I was asked the last time I used my debit card and how much I spent at a particular store. There was no fraud or holds on my account.
I received a collection notice regarding a bill from XXXX XXXX. I had been to XXXX XXXX with concerns regarding XXXX XX/XX/XXXX ( I saw XXXX XXXX XXXX XXXX, who told me I hade a XXXX earlier this year at a different hospital ) but I had never received a bill for this visit. I believe there were XXXX visits, XX/XX/XXXX and XX/XX/XXXX, it was awhile ago and I do not remember. 

The bill, from Transworld Systems Inc, claimed I had never paid my bill to XXXX XXXX, which was true, because XXXX XXXX had never sent me one. I called the FTC and asked them what I should do and they told me I should call XXXX XXXX 's billing. I did and XXXX XXXX claimed that they had the wrong address for me and that they were sending my bills to an old address. I gave them my new address. They requested I start making payments for the bill in the meantime and that they would pull the debt from the collection agency. They told me to disregard any future letters from Transworld Systems Inc . I thought I made a payment over the phone at the time but I ca n't find any evidence of this. I did start making payments online immediately. Transworld sent me one more collection notice, a couple weeks later, which I disregarded as instructed. 

Although XXXX XXXX billing had told me on the phone that they would send me an itemized bill for my visits, they never did. I only ever received XXXX bill from XXXX XXXX. It was XX/XX/XXXX, for the remainder of the debt that they said I owed ( after my online payments ), and I paid that with a check. I have my bank statement as proof of this. I thought that had settled the matter. That was XX/XX/XXXX. 

A couple weeks ago I received a new collection notice from Transworld Systems Inc., claiming that I owed them almost twice as much as either they or XXXX XXXX had ever said that I owed them, and it was for those same dates, XX/XX/XXXX and XX/XX/XXXX. I received a credit card statement about a week ago that said my credit rating had dipped over XXXX points. 

I was under the understanding that my debt to XXXX XXXX was settled. And again I received no notice from XXXX XXXX before receiving this collection notice, even though now they have the right address to send me any correspondence. 

I do not believe this debt is valid, as XXXX XXXX had previously led me to believe the matter was resolved and has made no attempt to contact me directly.
Equifax has not deleted the collection from XXXX XXXX XXXX in the amount of {$5000.00} despite the fact that we how sent them documents that this is well outside of the reporting deadlines and has been illegally re-aged. The other credit bureaus has removed the incorrect information by Equifax has still not removed this account to accurately report the account.
Dispute Over Inquiries on XXXX Credit Report- Unauthorized AccessI contend that all of the inquiries made by SYNCB/AMAZON on my XXXX Credit Report are unauthorized and must be removed. Credit reporting is inaccurate and incomplete. I did not give my consent to access my credit report. 

Background Identification BreachOn or about XX/XX/XXXX, I had my gym bag and contents in a locker stolen and compromised. At the time I believed that my identification had been in my purse in my car, however, this was not the case. From that date on I obtained replacement identification without knowing that I had a right to file the information with the credit reporting entities. Since XX/XX/XXXX, up through and including XX/XX/XXXX, I find that an individual in XXXX XXXX XXXX, California, may be compromising my identity. 

During these times I have found that my internet email has been inordinately littered with requests for credit card loan and merchant credit card offerings, which may or may not be normal these days, but seem unusual and suspect. 

Any internet inquiries into my credit, if any, were unauthorized by me. 

Demand to Remove Unauthorized InquiriesMy review of a recent XXXX credit report indicates that items, from XX/XX/XXXX, up through and including XX/XX/XXXX, stated above, constitute unauthorized and unlawfully accessed information in violation of state and federal law.