WillisBack/dataset-financial-user-claim huggingface dataset:
OnXX/XX/XXXX I ran my credit in the hopes of purchasing a home. When I obtained my credit report I noticed there were inquiries on my report I did not authorize. The inquiries were dated back toXX/XX/XXXX. I called Equifax, XXXX and XXXX to advise that I had a fraud alert placed on my account back in XX/XX/XXXXand no one is authorized to run my credit unless I authorize it. Each credit bureau advised me that I would need to file a police report to have inquiries removed. On XX/XX/XXXX I went to the police department to file a police report. The officer called each credit bureau to advise of the report and unauthorized inquiries. They have refused to remove these unauthorized inquiries despite me having a police report and following the protocol I was given. Below are the inquiries that were unauthorized XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry fromXX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry fromXX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX, Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry fromXX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry fromXX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX
A few days ago I noticed that our account is being charged something called " Card Security Fee, '' which I never signed up for and never authorized. When I called Synchrony to have them refund the fees, I was told to call the " Card Security Customer Care Center. '' I called the number I was given and spoke with  XXXX . I explained my situation and also mentioned that I was taping the call. She said she could not talk to me because I was taping the call and hung up.  <P/> Additionally, I have been charged interest on top of the bogus  Security Fee.
I am currently paying back my private loans with AES in the amount of {$1200.00} a month for attending XXXX XXXX for 5 years. This has been hard on me because that is basically my entire check per month, leaving me with a total of {$440.00} per month and my rent is {$350.00} a month. So basically i have to live off of {$90.00} a month. I have tried everything to get them to lower my monthly payment. At first i was paying just interest, then it went to principal amount ... and toggled between the XXXX. Now I am paying back the full amount with no fixed interest. Not to mention I still owe for my Federal loans that is with XXXX. I have no clue what to do anymore. This has been going on since I left school in XX/XX/XXXX, I have used up my forberance and deferment options. I have made it my business to just pay my loans becuase my father is the cosigner and after all this was my responsibility. There has to be something I can do to lower the amount. I can not live off {$90.00} a month. Please tell me there is somthing that can be done about this. I can live like this until my loans are paid off in XX/XX/XXXX. I am tired of stressing over my loans.
I have outstanding student loans through Navient in the amount of $ XXXX My husband and I are attempting to pay down the amount, our monthly payment is XXXX and we have been paying an extra {$400.00} each month to help lower the principle. We follow the payment instructions given by Navient by including a separate payment instruction telling them to not advance our payment date and that {$200.00}. go to each of the XXXX loans principles. Instead Navient pays extra to the interest and advances our loan date. We have contacted them several times by phone and they have fixed it several times but continue with the problem. 
We feel like we are spinning our wheels ' we have read on how many student loans are being defaulted on and we are trying our best to do right. How can we get help with this matter?
My bank, Metro Bank, was purchased by First National Bank. From the very first day we were unable to get into our account online and were not given any help from the branch. 
They have continuously charge fees and manipulated dates of both deposits and transaction. 
There treatment of the public is nothing short of disgraceful and underhanded practices.
I have tried filing a dispute regarding info on my credit report just last month. I show that in my report I asked all three credit reporting agencies. I have a XXXX XXXX   account not reporting correctly at all- trans union shows past due late payments when it reflects a balance of XXXX. I can not make any payments in an account without a balance. This account needs to be updated removed because there obviously isnt a debt I owe to this company. I feel all three agencies needs to report the same info and/or be corrected. I have an account XXXX XXXX XXXX that was recently removed from transunion report however my equivalent is incorrectly reporting the account as if it is mine. Please correct my credit report this is affecting me trying to acquire a home for me and my child due to incorrect info on my credit report.
I contacted Ocwen today regarding the conflicting status on the account and was placed on hold for a long period of time. I was later told that because we were working with our relationship manager that I had to call another number. The number provided was the number to the Office of the Ombudsman. This office took our information and placed my wife on hold later coming back and stated that we had to Contact XXXX XXXX because there was nothing they could do even after telling us the day before that there was not active sale, but today stating that there was a sale on Friday XXXX XXXX, 2016. When XXXX XXXX was contacted via email, counsel said that because 1 year ago, we had said that we were not interested in a modification, that modification chances were off and the sale would be held on XXXX XXXX, 2016. An email was sent back stating that we were interested in a modification. The attorney came back and said no to the opportunity for a modification and said that any future communication concerning the matter must be directed to him ( cutting off any contact to our relationship manager, Owen 's Office of the Ombudsman and Customer Care ), just one day after the Relationship manager said that there was no sale pending and that modification assistance was available.
XXXX - I paid off my automobile loan in the summer of 2010. I  requested a copy of my credit bureau from XXXX, and to my surprise in the comments section ; Consumer Disputes ( disagrees ). I have tried on numerous occasions to have to removed however, after 8 attempts over the 7years. As a last resort I must contact the CFPB.
COLLECTOR FAILED TO VALIDATE, CEASE AND DESIST AND SKIP TRACED FAMILY MEMBERS AFTER HOURS IN VIOLATION OF TCPA. skip tracer : XXXX at XXXX see attached records and vioce.
Collection agency has failed to provide debt verification notice as it was required by FDCPA for me to dispute the debt. I also called to the agency and mailed them to validate the debt.
I pulled my credit report on XXXX XXXX, 2016 and found a collection listed on XXXX XXXX, 2016 from Credit Management LP. I have had no prior contact with Credit Management LP and have no agreement nor contract with them. The contacted XXXX separate third parties concerning this alleged account illegally. 

Credit Management LP never sent a notice to me that they were attempting collect a debt, instead they just reported this unvalidated debt to all XXXX credit bureaus and in doing so violated the Fair Debt Collecgtion Practices Act 15 USC 1692g Sec 809. This law provides me the right to dispute their claim and prevents them from reporting their untruthful claim to credit bureaus if I dispute it. The violated my rights and the law by not notifying me of the alleged collection account, then again by contacting a 3rd party about it. 

I sent a Notice of Pending Litigation letter seeking relief and monetary damages to them on XXXX XXXX, 2016.
ON XX/XX/XXXX. MY MONEY WAS WIPED CLEANED FROM MY XXXX XXXX CARD. THIS WAS OVER {$750.00}, THAT MY DAUGHTER RECEIVES FOR HER XXXX. I CONTACTED XXXX XXXX, AND WAS INFORMED THAT MY ACCOUNT PIN WAS CHANGED, AND THE MONEY WAS TAKEN OUT OF MY ACCOUNT AT TWO DIFFERENT LOCATIONS. I WAS TOLD THAT THIS OCCURED AT XXXX XXXX. I WAS ALSO INFORMED BY XXXX XXXX   THAT THEY ISSUED MY CARD TO THE WRONG MAILING ADDRESS. I WAS INFORMED BY XXXX XXXX THAT I WOULD HAVE TO FILE A FRAUD CLAIM REPORT. THEY ALSO INFORMED ME THAT THEY WOULD BE SENDING ME A NEW CARD, HOWEVER, THEY STILL CONTINUED TO SEND THE NEW CARD TO MY OLD ADRESS. I RECENTLY RECEIVED MY NEW CARD, HOWEVER, MY MONEY WAS NOT DEPOSITED BACK TO MY ACCOUNT. I ALSO RECEIVED A LETTER STATING THAT THEY WERE TRYING TO CONTACT ME, AND BECAUSE THEY COULD NOT GET IN TOUCH WITH ME, THEY ARE CLOSING ME CASE. PLEASE NOTE THAT WHEN I RECEIVED THE FRAUD QUESTIONARE, I FILED OUT AS MUCH INFORMATION, THAT I COULD. I ALSO SUBMITTED MY TELEPHONE NUMBER. NO ONE CONTACTED ME. I 'M NOT THE ONLY PERSON THIS WAS DONE TO. WHEN I WENT TO SOCIAL SECURITY, THERE WERE OVER 100 PEOPLE MAKING THE SAME CLAIM. XXXX XXXX, AS WELL AS SOCIAL SECURITY HAS KNOWN THAT THERE HAS BEEN A PROBLEM WITH THESE CARDS SINCE XX/XX/XXXX, HOWEVER, THEY NEVER SENT OUT ANY ALERTS, THEY NEVER ISSUED ANYONE NEW CARDS. I RECENTLY RECEIVED MY NEW CARD, NOW IT HAD THE GOLD SEAL. XXXX XXXX, IS NOT A CARD THE GOVERNMENT SHOULD USE. SOCIAL SECURITY ENSURED EVERYONE THAT THIS CARD WAS SAFER THAN GETTING A PAPER CHECK, HOWEVER, TODATE, THEY WILL NOT HELP ASSIST PEOPLE WITH GETTING THE MONEY THAT WAS STOLEN. XXXX XXXX, KNOW THE LOCATION, THE PERSON WITHDRAW THE MONEY, HOWEVER, THEY ARE REFUSING TO REFUND OUR MONEY. PLEASE HELP
My bank will not cancel my PMI on a 30 year conventional loan despite a proper request. I first requested it be cancelled several years ago and I understood I had to have 20 % equity. We paid about {$500.00} for an appraisal and it was around the 20 % equity threshold. We received a letter rejecting our request from the bank stating we needed 25 % equity. Where did this arbitrary threshold come from? We had no known recourse. 

Second, I recently again requested PMI be cancelled. We paid about {$500.00} for a 2nd appraisal and this time we clearly have at least 20 % equity. However, in the interim, and for the first time ever in the almost 10 years I 've had this loan, we accidently paid the mortgage 1 day late. Let me explain - my daughter was very ill and we were focused on that and did n't pay on time. I realized the error on the last day of the month ( payment is late if it is not paid by the end of the month due ) and called the mortgage company to explain what happened and went online and paid that day when it was still timely. However, it was already in the evening and the payment could not be processed until the following day, making the payment 1 day late. Based on paying 1 day late we now have to wait an entire year before we can again request PMI can be cancelled so that we have a year of on time payments. I called the bank and asked them to reconsider as a courtesy and explained it was a one-time error due to extreme family circumstances ; I posted a payment timely, called to explain the situation and explained the situation online, but the payment did n't process until the following day. They declined and are still requiring we continue to pay PMI. 

Through paying for 2 appraisals and the continued cost of the PMI for at least another year, we are out about {$2200.00}.
I have been working with capital one with my payments they advise as long as I make the payments they set up with me my account would stay positive. It currently shows I have a available balance but transaction was declined. I reached out to capital one and they advise that the account was restricted for nonpayment even tho they take out funds biweekly more than the minimum payment. The supervisor could n't explain and said sorry and hung up. This is the worst expierence ever.
As far back as XXXX XXXX I have experienced identity theft and after reporting a opening of an unknown account that was opened in my name in XXXX XXXX, I reported all incidents and attempted incidents to the police. In an attempt to clear my credit I requested assistance to the CFPB and in XXXX XXXX XXXX my dispute via the CFPB was responded to by the creditor/ collection company. My previous dispute was initiated because this account was opened fraudulently and i am a victim of identity theft. I was promised that this entry would no longer be reported to any of the XXXX credit bureaus and that it would be deleted from my history. I recently viewed my credit reports and find that this account is still reporting in my files and is causing a very negative effect and by non ability to acquire credit as a new business owner is causing me extreme financial hardship.
In XXXX my husband and I received a flier for a special Sears Home Services was having for new windows + installation with approved credit and no interest financing for a period of time. We had done all of our research, had been pre-approved for the loan and were ready to buy the product. The saleswoman came to our house and spent THREE hours on the demonstration, even though we told her exactly what we wanted within the first 15 minutes of her arrival. It was after XXXX when she left and I had an 11 month, a young child, and I was pregnant and told her we just wanted to make it quick. She charged the approximately {$10000.00} to our Sears Credit Line. After she finally left, we were told the contractor would be in touch to schedule the work that week. We never heard from him and called him numerous times. ( XXXX of Sears selling points, btw, is that they use their own contractors - NO - they hire 3rd pary independent contractors. We called the sales woman back, customer service, anyone we could think of. Two months had passed XXXX XXXX and XXXX XXXX - I made payments in both of those months. By XXXX I called Sears and said I would n't make any more payments and that I wanted my money back. The customer service representative was very nice this time and said " let me see what I can do '' - that afternoon we heard from the contractor for the first time. He said he would be out the next week to measure our windows. He did n't come when he said so again we called him multiple times. He finally came later that week to measure and said the windows would be installed the following week. Again, two weeks went by with no calls and no response to my calls, so I called Sears again and said I would n't make a payment until I received my windows or I wanted my money back ( this was the end of XXXX - three months after the purchase - and I did not make a payment that month ). I did not make a payment in the month of XXXX either, though the contractor did come back and say he ordered the wrong windows so it would be another few weeks. Our windows were finally installed in XXXX - 6 months after purchase - they ruined some of the walls around the windows and made a huge mess with the installation, but at least we finally had the windows. I did make payments that XXXX and was never late again. I have requested multiple times that Sears have the derogatory remarks removed from my credit report - they held me and my money hostage and of all of the accounts I have, I have no other late payments. I am trying to refinance my house right now and this is affecting me negatively. Please do what you can to help me have these XXXX late payments from XXXX removed from my credit reports. Thank you for helping me.
Hello : I recently graduated a college with a XXXX in XXXX and was given a {$1500.00} check from a chemical industry company as a closing scholarship for graduate school. I had it deposited via the Bank  of America movile App. Of course, there was a hold on my account, which I was understanding until XXXX today. However, when I checked my balance after XXXX, I still hadn't received my payment. Frantically, I called the bank and was informed that some holding comittee decided to wait until NEXT TUESDAY for the funds to be available. I wasn't notified nor was I able to see it without calling the bank. This money that I desperately need to keep afloat. My job hasnt paid me yet so not having my own money is inconvenient and extremely unjust.
I just keep getting denied for credit. I am starting over fresh. Please help me obtain a unsecured credit card. I will maintain it healthy
I submitted a request for a credit card with XXXX XXXX bank and it was declined because of information from equafax that wasnt up to date because my credit limit on tw cards were increased by a total of {$3000.00} which made a big difference with % of credit availability. I filed a dispute with cfpb because for over the limit amounts are updated mostly the next day but it had been almost 3 weeks and it wasnt updated. I was sent an email saying it had been resolved but I couldnt get the results on line and when I called I was told the didnt have any disputes from me. After I file the dispute my credit score with XXXX went immediately down while the went up with the other two agencies. I was sent another email from them saying it was ready to be viewed but I wasnt able to view them again. Equifax also sent out information on my new balances without mentioning the increases intentionally trying to lower my other scores. I would like to know the agency that I can file a discrimination complaint and a retaliatory complaint for them intentionally trying to limit my credit and ruin my life.
The CRA 's have added fraud alerts to my credit report without my requesting it. This is a violation of FCRA regulations. 

Remove fraud alert
I was receiving calls from other company about PMI on my mortgage I contact Chase about this. I was informed that it was on my loan but I was told it would come off in XX/XX/2018. I was later told that it was not on the notes however, calls are documented I asked the representative to review the notes and I requested to be transferred to a supervisor. I continue to get bad information from Chase they called me back and they gave me bad information. They have made several mistakes on my loan and forgot to include a second mortgage which you can inquire about and after this interaction, I requested no calls from them. They continued anyway. I called in XXXX to remind them on no calls when I made my payment. Now it is XXXX and I do not have access which I wanted to know why and they have sold only my active first mortgage to another lender.
On XXXX XXXX, I placed an order to install custom drapery for my home with XXXX XXXX, decorator for XXXX. I signed the contract and the drapery was to be installed within 8 weeks. 
After waiting for more than 19 weeks, I was appalled that the wrong drapery style was installed. After the installation I showed the contractor the style I and the decorator agreed on, he said that is different style. He said he will contact XXXX, the decorator. The same day I texted a picture of the newly installed drapery with the style I ordered to see the difference ( see attachment ). The difference is obvious. At first she was trying to convince me that it is the same style. The same day I emailed the store manager about the issue. She emailed me the next day and said the she will look into the issue. On Friday XXXX, XXXX came to my home to see the installation ; She saw that the wrong style was installed. She said she would email her supervisor to see what the next step will be. 
On XXXX, XXXX, XXXX she called me and said that she will not redo the installation. I will have to pay for a new order in full and she would give me 50 percent off on the previous order ( The wrong style ).. This means I wont get reimbursed for the wrong style that was installed. I would have to pay in full for a new order, and then she will give me 50 percent off on the wrong order, which was her fault. 
Since they refused to help, i disputed the charge with Capital One. Unfortunately Capital One did not try to resolve the dispute. Though i sent all the documents to show that i was misled by the decorator, Capital one did not try to resolve the dispute in good faith.. On XXXX, I called Capital One again and asked to speak to a supervisor. I spoke with XXXX, who was on the phone with me for more than 45 minutes. She said there is nothing she could do as i still have the custom drapery. It should be noted that the drapery was installed, and per the contract i was not allowed to return them once they were installed. XXXX called XXXX and asked to speak to customer service. Unfortunately they kept transferring her back and forth to the wrong department. At the end she called the local store and left them a message to call me. They never did. 
The text messages I exchanged with XXXX ( the decorator ), and the pictures of the style I was expecting, and the style installed showed that I was misled tremendously. 
The evidence for the case is overwhelming. I have attached pictures for the style installed, and the style I was expecting. I have also attached a copy of my email exchange with the store manager, and my text message exchanges with the decorator. 
I had two decorators come to my home to check the installation. They both said it is not the same as the one XXXX agreed to order. 
I am disputing a total charge of XXXX dollars posted on XX/XX/XXXX I have attached supporting documents
Here 's the complaint letter I sent the the dealership XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX C/O XXXX XXXX XXXX This past XX/XX/XXXX my wife and I made a deal with your sales team on a new XXXX XXXX XXXX XXXX lease. Part of that deal was taking our XXXX XXXX as a lease return. Another part was putting down more than {$7000.00} to pay off the excess miles. At that time your XXXX dealership across the street inspected the XXXX XXXX XXXX and determined it didn't have any wear and tear above and beyond " normal ''. The deal was the down payment would cover the lease return and excess mileage and anything else involving the new XXXX XXXX lease. Much to the surprise of my wife and I was receiving a bill almost 5 months later ( XX/XX/XXXX ) from GM financial for {$2600.00} for excess miles and other than normal wear and tear. Once your, so I was told, " authorized '' XXXX dealership across the street made the inspection of both the miles and the condition of the XXXX and a contract was written up this should have been a done deal. Instead we now have a bill for almost {$3000.00} and GM threatening to ding our credit if this is not paid. Please investigate this matter further so I know how to proceed with legal, media, government or contacting watchdog groups. FYI ... GM has offered a settlement of {$920.00} but that needs to be done soon. A copy of the bill is attached to this email. Thank you. 

XXXX..this is the supervisor at GM financial I spoke to and her ID number. 
XXXX XXXX She refuses to send me a copy of the itemized bill for excess charges claiming sending it once is all they are legally allowed.