WillisBack/dataset-financial-user-claim huggingface dataset:
on XXXX/XXXX/15 i went to the regions bank XXXX, ga XXXX to cash a {$100.00} check drawn on their bank. they insisted on charging me a 2 % fee ... if this check was drawn on another banking institution, i can see them charging a fee. i just think it 's plain wrong to have to pay a fee to the bank the check is drawn on.
This account is too old to be on my credit report. It has an open date of XX/XX/XXXX. It was closed and was transferred to another lender. My loans are all consolidated under one lender now. It is too old to be on my credit report. We are in XX/XX/XXXX! Almost in XX/XX/XXXX. It was removed from my reports in XX/XX/XXXX and now it is suddenly showing again. Why?
Re : XXXX ( {$59.00} ) SS # XXXX Hello, My name is XXXX XXXX XXXX and I am writing a complaint against Equifax about my Credit Report. I have no affiliation with XXXX XXXX. On or about XX/XX/2016, Your company stated I owe : {$59.00}. I am a Veteran and you have listed someones information on my file without my knowledge. I have never visited this place or do n't even know where this place is located. 
I would urge you to have all of these items removed form my file ASAP, and clean my record as it used to be. I do not appreciate your lies and deception.
Last time I was in school was XX/XX/2006 I had dealt with XXXX XXXX for years before getting things paid. I also was apart of a class action lawsuit against them in which we won. So now I find out my tax return was Allocated by a company called Navient which I had to XXXX to see its a renamed XXXX XXXX basically. Now, 10 yrs after I 've been out of school and four years since I last heard from anyone from XXXX XXXX or Navient my whole tax return is taken? Last Iheard was the minimal settlement check I received from the hearing. Why is Navient trying to collect a debt that has already been dealt with? If it was n't dealt with I 'm sure it would n't have been almost 11 yrs before tax money would be allocated. Navient is doing the same thing XXXX XXXX got sued for but they do n't get monitored so they get away with this kind of stuff.
The following addresses do not belong to me. When I disputed with the bureaus they would not remove from my profile stating they are attached to account on my report which they should n't be because I have never lived there as well as they are XXXX XXXX addresses XXXX XXXX XXXX XXXX WV XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX WV XXXX XXXX XXXX XXXX XXXX WV XXXX
I am XXXX XXXX XXXX XXXX, I purchased a XXXX XXXX XXXX brand new. In XX/XX/XXXX the transmission had to be replaced. In XX/XX/XXXX the car had XXXX miles cost {$4000.00}. In XX/XX/XXXX the car again started having the same transmission XXXX MILES. 
I was told by XXXX XXXX XXXX XXXX that the transmission would have to be replaced again at a cost of {$3200.00}. The new transmission has only XXXX miles on it. I was told by XXXX XXXX XXXX XXXX XXXX told me that the warranty on the new transition was only for 12 months and if I want the car repaired I would have to pay the full price. 

After doing research the CVT transmission of the XXXX I have found that many consumers are complaining of the same issue. The car will not accelerate when you push on the gas This is a safety issue example if I were to pull out into a busy intersection I may be hit because the care fails to accelerate to the default in the transmission. 

I do not believe I should have to pay for another transmission that will fail again do to XXXX XXXX flawed design.

Has a class action lawsuit been filed against Nissan if so please add me to the suit.
Navient keeps reporting late when i have filed with them several deferrmemts and XXXX filed with XXXX
I applied for an online loan with upstart.com on Wednesday, XX/XX/XXXX. The process was fast and easy. They offer several different methods of verifying an applicant 's bank account to complete the process ( to deposit the funds, withdraw the periodic payments, etc. ) The method they recommended and which I used was to log onto my checking account at XXXX directly through their application process ( presumably using a web services integration. ) The application was approved and my loan was funded promptly. 

Today I discovered that since that application was processed and I logged into my XXXX account through their application, my XXXX checking account has been successfully hacked ( i.e., it has een accessed using my credentials but without my permission, and not by me or anyone I have authorized ) at least seven times since the application was processed. XXXX Fraud Department took note of the activity. It appears that upstart.com, and/or their partners in this enterprise, XXXX XXXX XXXX in New Jersey, and/or someone at XXXX, the XXXX that upstart uses for their web processing, has been repeatedly trying to hack into my checking account.
XXXX XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX Dispute Department XXXX. XXXX XXXX XXXXXXXX XXXX XXXX Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 

XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX XXXXACC # XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, Equifax et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX XXXX XXXX XXXX SEC # XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Reported : XXXX XXXX, XXXX XXXX : {$8100.00}
I have a student loan with XXXX/JP Morgan CHASE BANK. First part of accont number is XXXX. My name is XXXX XXXX. Was XXXX XXXX at time of loan. My account is currently in deferral. I have contacted this company on several occasions. XXXX sends me back to JP Morgan Chas and JP Morgan Chase sends me back to ACS. I can not get any assistance with this matter. On XXXX of 2013 my student loan was reported as ok. Then on XXXX 2013 my loan is reported as sixty days late! This is impossible. How can you be 60 days late when you were ok the month prior. I am currently applying to XXXX school. This 60 late is incorrect and needs to be removed from my credit report.
I 've received several hard inquiries that I do n't recognize. XXXX is from XXXX XXXX on XX/XX/XXXX. I called XXXX and they reported there is no record of my name anywhere in their system. There are XXXX other hard inquiries from XXXX ( XXXX ) on XX/XX/XXXX and XX/XX/XXXX when I 've only applied XXXX time to XXXX. Also for Chase Bank there are XXXX inquiries on XX/XX/XXXX andXX/XX/XXXX when I only applied XXXX time on XXXX.
I had XXXX vehicles through metro credit union. I had XXXX vehicles on XXXX loan. They were both repossessed. I never received the the paperwork to this judgement that is now filed on my credit report for currently {$11000.00}. I recently went to the court house to get a copy of this judgement. First of all the reporting date that 's on the paperwork is n't the same as reported on my equifax and experian. But the part I found very disturbing is the paper work has the original loan papers which has the the Cadillac car and the GMC van on the same loan. I have the paper stating they repossessed the Cadillac and that they sold it and put that amount towards the balance that I owed. But for some reason it does n't mention that they sold the GMC van and if they did re sell it, they never added that balance to the amount that was owed. Which makes this amount that I owe not accurate. I do n't know if they sold the van or not. But what I do know is they are saying I still owe something that they have and if they sold it I was never compensated off the amount that I owed. The amount that has hurt my credit to the point of not being able to pay back because the interest is about almost or is 20 %. The court house that gave me the judgment paper work told me that this account to be paid off in full including interest is over {$22000.00}. How could I ever afford that? They have charged me interest on a amount that is not accurate and because of this it has ruined my credit life. If I would of been given the paperwork I could of fought this in court. The person they served had no right to sign for paperwork important paperwork on my behalf not to mention I did n't live there at that time.
I HAVE 27 INQUIRIES ON MY XXXX AND TRANSUNION REPORT THAT I DO NOT RECONGNIZE. I HAVE CALLED XXXX AND TRANSUNION SEVERAL TIMES AND THEY REFUSE TO DISPUTE THEM. I HAVE ATTEPTED TO GET A POLICE REPORT BUT THE POLICE WILL NOT MAKE A REPORT BECAUSE THERE WERE NO ACCOUNTS OPEN ED AND MISUSED. I HAVE CONTACTED THE CREDITOR THAT RAN THE CREDIT NO REPLIES.
My husband and I file a Bankrupt in 2008 it has been satisfy and it is over 8years old. XXXX and XXXX XXXX has Deleted it from my report, but Equifax will not and have no answer why
ERC is fraudulently reporting on my credit reports claiming that I have a debt with XXXX in the amount of XXXX. This phone acct was fraud under my name as I did not open this account After numerous attempts with ERC as well as the credit bureaus, they have not provided me with proof such as my actual signature in opening this such account therefore still not removing this account on my credit report. They continue to tell me they verified it was mine but no proof!
On XX/XX/XXXX " XXXX '' conducted two back to back hard credit inquiries on my XXXX  credit reporting account. On that same day, they also submitted a hard credit inquiry on my TransUnion account. I believe this is all connected to an inquiry for service with XXXX ( XXXX XXXX of XXXX XXXX, KS ) on XX/XX/XXXX, XXXX Who also conducted a hard inquiry on my TransUnion account on the XX/XX/XXXX. At the time of inquiry, I learned that XXXX was not servicing my area - so I don't know why I now have four hard credit inquiries across two credit reporting agencies for service that was never provided or even possible to provide. I'd like for them to be removed, as they are adversely impacting my credit scores.
I see a collection company by the name of Midland Funding LLC putting negative reports and re-aging old debts on my credit report by changing the dates making them look new to extend the date longer than it should.
I have my current mortgage with PHH Mortgage for the past XXXX years of a XXXX year mortgage at XXXX % ( $ 2210 monthly mortgage payment ). My application for refinance to XXXX % that would have reduced my monthly payment to {$1700.00} was denied for a flimsy reason of " inadequate debt to income ratio ''. This was after repayments of all outstanding issues on my credit as instructed by the company to the tune of almost {$5000.00}. I 've always maintained XXXX income sources XXXX XXXX time and Full Time ) with the following gross income streams from my XXXX positions : XX/XX/XXXX - {$110000.00} XX/XX/XXXX - {$130000.00} XX/XX/XXXX - {$100000.00} XX/XX/XXXX - {$94.00}, XXXX The argument as presented to me was that i changed my full time job XXXX months ago hence any income from there can not be used even though there is no gap in full time or part time employment in the past XXXX years. So they arrived at their " inadequate debt to income ratio '' conclusion using only my part time employment. This is a very odd position that brought me to either of XXXX conclusions : XXXX. The company did not want to change the status quo since i 'm already paying at XXXX %. So there is no incentive to go along with the refinance or. 
XXXX. I fit into a category of borrowers that do not understand how the numbers or financing work. 
I have already spent about {$5000.00} as instructed by the company 's loan originators to settle outstanding issues on my credit. This also did not include the emotional toll that the process have put me through. This is very unfair practice that need to be looked into. Thank you for your time.
I got a notification stating that I was in default of a Perkins Loan and was in the process of re-enrolling in school. I called the servicer to request the amount owed {$700.00}. In turn, I reached out the XXXX XXXX and requested a loan consolidation to satisfy the outstanding default. XXXX XXXX quickly turned around the consolidation and UAS ( XXXX ) received the funds on XXXX. I called on more than one occasion to get the payoff/paid in full letter to forward to XXXX University so that they could release the debt on my account. I was promised on two occasions that they would forward me the appropriate information via email only to not receive it. I called on the XXXX and held on the line while the supervisor drafted the attached letter, which is basically an account summary. This information still has not been forwarded to NLDS or www.Studentaid.ed.gov accounts and still shows as a default.
I was served a summons for foreclosure from my mortgage company on or about XXXX XXXX, XXXX. I was never sent any notice prior to recieving this summons. This violates XXXX XXXX the Fair Foreclosure Act which requires a creditor to notify in writting 30 days prior to filing for foreclosure relief. It must include a list of financial resources that may help the debtor. No such document was ever sent, certified mail or any other source. I recieved a modification Executed XXXX XXXX, XXXX. After it was executed, i recieved an interest change statement that lowers my interest rate consiiderably. The creditor failed to adhere to this. The statement referebced XXXX XXXX guidelines. XXXX XXXX doe n't own the loan. XXXX does n't own the loan. I was never told what type of loan it was. I asked every two months to have a forebearance, they told me they do n't offer that. If they would have after XXXX or 4 months, i would n't be here. They volated several federal and state laws. They never had their signature notarized or witnessed where it states on the modification it must be witnessed and notarized
My debit card ending in XXXX - was fraudulently used overseas to withdraw funds on 5 different occasions. Totally more than {$2400.00}. I filed a dispute with Navy Federal and the same day my claim was denied because they found no error due to my account activity? I believe my debit card was skimmed when I attempted to withdraw funds when I was in XXXX XXXX but the machine could not read my card and spat out my debit card. Now I am out more than XXXX $
my name is XXXX. I used chase XXXX credit card for around 3 years. last one month, XXXX, my credit card get expired. however, my old credit card still can be charged by authorized merchant. An expired credit card still can be charged money. this is very ridiculous. It happened to me and It happened to chase bank. what is purpose to set up expiration date? it is XXXX of credit card protection or not. 

Furthermore, I did call XXXX and mention this issue to chase credit card. Their service is very rude and unfriendly. In other words, it is your business, not chase credit card business. I think everyone need to know about this.
Bank of America continues to process transactions in a way that charges the most fees. They have done it 2 more times for my account, costing {$150.00} the past month for these greedy pigs. They do it on card charges despite that being outlawed, they are despicable people that take as much as they can.
Sir/Madam Equifax has admitted that my credit file has been breached. Equifax breach goes back for years. I know! Equifax keeps putting a freeze on my account for no apparent reason. XXXX XXXX XXXX. retaliated against me for saying I will file a complaint against them through the C.F.P.B. This retribution came instant within days after I mention it. As a Veteran who fought for his country, and a XXXX XXXX Family Member.

They dont care who they XXXX over to save their brand. XXXX XXXX  is still with this trickery and foolery. I need to know what could be done to XXXX XXXX  and Equifax criminally. I told them I will file a complaint against them with the Consumer Financial Protection Bureau. Once I said that, they put that negative account on my credit file. This is unacceptable and unenforceable, and this is an unscrupulous attempt by XXXX XXXX   and Equifax against me.

They are only worrying about saving their brand, and not helping the consumer. My Social Security number, birth date, address, driver 's license information is in the hands of criminals. I learned this the hard way after they were XXXX-bent on destroying my credit so I can not get my V. A. loan They are creating havoc in my life. XXXX XXXX and Equifax has a strong dislike toward Veterans, and XXXX XXXX Family Members.

They are strongly aware that nothing will happen to them since they believe they are too big to fail. Please help this Veteran and this XXXX XXXX Family member. Please. I can not fathom why would they do this to a Veteran. I have fought for this Country. I come home and get squash by XXXX XXXX  AND EQUIFAX. They are castigating me for saying I would file a complaint. This stain is an illegal injustice. They put this blemish on my credit report.

My address is XXXX XXXX XXXX XXXX, Georgia XXXX. I have stayed at this address for the last fifteen years, and I paid my house off in 2012. I will include my deed to my house. However, they still put this mess on my credit. They need to get the right XXXX XXXX. There are over four hundred XXXX XXXX throughout the State of Georgia.

Why would they put that negative account on my credit file that doesnt belong to me, except mere retribution? I have faxed my credit report, two police reports, and F.T.C. fraud affidavit to them. They are too stubborn. They are too crooked to satisfy the consumer. They are too more concerned about their brand at the expense of Veterans.

Sir/Madam this company, and their employees should be penalized through the criminal justice system. Just imagine this, if they are doing this to Veterans, just imagine what they are doing to civilian consumers
I already paid this debt on XXXX/XXXX/16 directly through the creditor 's website and they continue to report it to my credit as unpaid. I have proof that it was paid and I have tried calling the credit collector numerous times but the number they list on their bill always sounds " busy ''.
I have been calling XXXX Since XX/XX/2017. I have waited for them to credit my account since they have been informing me that they will. I have yet to see the credit that would result in a refund. The company also indicated that establishing payment with them would be reported to the credit agencies. I have not seen a report or have seen my refund that would result in a credit or credit that would result in a refund. I keep getting transferred to the incorrect department that tells me that I should take it up with the postal department and stop calling them. Will someone please assist me these are unfair and deceptive business practices. These and other external factors have caused lack of sleep stimulated my flare ups and I have a XXXX.
I found my data had been breached from XXXX this led to a free sign up with trusted id, i registered on XX/XX/XXXX, however i was not able to sign up for the service as i got the security questions wrong as they referenced a car loan and an amount of the loan was question 2,  question 3 was also for a loan taken in XX/XX/XXXX and question 4 was the amount. I don't have any loans so failed the security test and was directed to call, when i called i was told after answering my date of birth that they could not continue the call as the date of birth on my social security number is very different to mine, i was sent an email to address the issue and had to provide copies of my Driving license which i did on XXXX XX/XX/XXXX, i have called and emailed and still the executive team have not resolved my date of birth and i still have no access to trusted id. 
I tried to get a free credit report with experian and was met with the same response and wasn't able to access a credit report due to the security issues.
Hi With due respect my name is  XXXX   XXXX  running a small business of   XXXX   XXXX   XXXX   in   XXXX   XXXX   ca. I would like to file a case against dispute claim I had delivered  XXXX  cars of worth {$19000.00} on this date  XX/XX/  2016 to  the customers after bank approval from their debit card but now after around six and half months without informing my  BOFA MERCH SV CS deducted money from my business account bank of america on inquiring they told me there was a dispute claim so we gave money to them I cleared and showed and send them the original contract copies of cars sold out but the bank is not responding they are saying we ca n't help you and file a case against customer or sue them or have a lawyer.     Kindly I request you to help me as I do n't know the other way around I started this very small business and all I have was that which is gone and I am in serious need of help attached with all the necessary documents sales contract etc.     I am looking forward for some immediate help and response.
On this date XXXX/XXXX/2016 ( see attached ). 

Equifax corrected several items off of my Credit Report and deleted them. ( See attached ) On this date XXXX/XXXX/2016, I noticed that these items were in fact not deleted and also left in investigation status which has taken longer than 30 days. 

I understand from the F.T.C. that they can not reinstate things they deleted without notifying me within five days of reinstating them. Instead of filing an F.T.C. complaint I decided to directly to you.
Is account was for my spouse and we are now divorced. I already has XXXX, look into the account and removed it from my name. I do not have possesion of this vehicle.
In XX/XX/2017 I went into XXXX XXXX to trade my XXXX XXXX XXXX. During the process of trading I was told that after 6 payments I will be able to refinance for lower payments. It has been XXXX year since I've had the car ( more than 6 payments made ) and have not been able to refinance. They did not explain to me that during the " Trade in ' that the remaining balance left on my XXXX would be transferred to the new XXXX. They told me that they paid it off. I am now stuck with a car that has negative equity with a monthly payment of {$560.00}. The payments are too much and they aren't helping me fix it.