WillisBack/dataset-financial-user-claim huggingface dataset:
Carnival/Barclaycard Master Card was never received, The account was sent to XXXX XXXX XXXX , XXXX. The error was the address was incorrect and no billing nor XXXX was ever received. The total amount is XXXX, XXXX sent me copies of the bills. I called Barclay and spoke to a XXXX XXXX who told me he had the correct address. I had made payments toward the bill. I request to speak to a manger and no one has called me back. I owe for a acupuncture session, not sure what else it totaled to the amount. My credit score has changed, because of this error. My credit cards credit amounts are being reduced. I am sure all of the billing and master card had to be returned. I am mailing out today letters to Carnival and Barclay and XXXX of the error. I am requesting that corrects are made to clear this problem. I would like XXXX XXXX, XXXX, XXXX 's, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX card to be advise of this mistake/error on behalf of Barclays Cards or Carnival card services.
I have tried multiple times in good faith to enter into the loan rehabilitation program with GC Services, who is a debt collection authorized to operate on behalf of the US Department of Education, to get out of default and get my loans into the {$0.00} repayment program with the rest of my federal loans, and I have been completely hamstrung at every turn. I have sent in all the forms as requested, and then got a call a week later stating they did n't have our forms. So I sent in the forms again, and yet again a week later, I get a call stating that they do n't have our forms. So, this time I had the person stay on the phone with me until she clearly saw that she had received all the required forms, and stated as such over the phone. Then, a week later I get another call stating my bank account information had changed and they could n't withdraw the payment which is a lie, because I 've been with the same financial institution since 2010. Then, on a later call, they acknowledge that was probably their error but if we wanted to continue on the plan we would have to start the whole thing again. Now, even after all this I have had my entire federal refund " offset '' due to their incompetence and the program not being finished in time for this years taxes.
I settled a XXXX XXXX XXXXXXXX account for less than full balance and was n't sent a XXXX. 
This company should no longer be reporting negatively on my credit reports. Please have this deleted immediately.
I went to use  my PNC credit ca rd to make a purchase at  XXXX   XXXX  on  XXXX   XXXX  and the card was declined. When I contacted the bank, they said it was because the payment which was a transfer from m y PNC checking account to the PNC credit  card account that was made on  XXXX   XXXX  was being floated and had not applied yet. Since when is a bank allowed to float an internal transfer of funds?
Related Complaint - XXXXXXXXI 'm deeply concerned with the response by Equifax. The item in question is still listed on my credit file and should be deleted. I fear that this raises various other violations with respect to Truth in Lending, FCRA, and FDCRA. 

I have been advised by my attorney XXXX. XXXX XXXX XXXX. that under the violations listed above I am entitled to damagers statutory, punitive damages, actual damages, and attorney fees. I have also been advised that there are multiple violations that would allow this to be pursued on a class level. 

I am very concerned at the way that XXXX XXXX conducts itself and it 's disrespect for the laws with respect to Truth In Lending, FCRA, and FDCRA. 

The way they have handled this and continue to resist removal of this trade-in from my credit reports raises other issues.
For sometime now I have been getting texts messages from Discover, which is ok. Today, I decided that I was getting just way too many text message and replied in the Text " Stop '' because it says " Reply STOP to opt out '' I did this, yet after this STOP was sent I got  2  more text message.  <P/> This is a bonafide class action lawsuit, which I do not wish to file, but if  discover does not wish to settle this matter for violations under TCPA, RFDCPA, And CA Business And Profe ssion Code Violations I will file.  <P/> I will be filing a lawsuit, but I do in vite Discover Financial to contact me ASAP so that this may be   avoided. In California cases like these go for a premium, attorneys take them at no charge out of pocket, this is a text book example of a class action lawsuit. Discover card will be responsible for my attorney fees, statutory awards and a special award for brining the class.  <P/> I urge discover card to contact me to resolve this before I file this week.
Ever since XX/XX/2018, I have been charged monthly by National Debt Reduction Services around the XXXX of each month with {$270.00}. During the initial interview prior to charging me, they informed me that they will work with some of the companies that I have current debt with ( XXXX XXXX XXXX, XXXX, and XXXX XXXX ) to help significantly reduce the debt I owe them. They initially guaranteed that after 90 days, I would start seeing my debt from one of the companies become lower. However, it has been already 5 months, and instead of going lower, my debt has increased exponentially ( one of them has even doubled ). I also started receiving harassing calls from debt collectors on a daily basis ( sometimes even 4x a day ). I contacted them about this issue on XX/XX/2018 and they suddenly disclosed to me that they were waiting to reach a threshold amount so that they can begin negotiations with one of the companies, and that they are currently in negotiation with one of them. I am able to see my debt balance online with them, and I do not see this being reflected. I am highly suspicious that this may be a scam, so I would like Consumer Financial Protection Bureau to investigate further.
PNC Bank On XX/XX/XXXX, while I was traveling to XXXX Texas from XXXX XXXX, someone used my atm card ( which was NOT LOST ) to purchase items at XXXX in XXXX, XXXX in the amount of {$56.00} and at XXXX in XXXX, Maryland for {$55.00}. I was never in XXXX, Maryland on XX/XX/XXXX or anytime in recent years. I was unaware of these purchases until I tried to use my debit card at XXXX XXXX in XXXX, where it was declined. When I contacted PNC Bank, they told me that they deactivated the card because they suspected fraud, which was indeed the case. They granted me a provisional credit for these 2 charges, and reactivated my card because I was in XXXX, but told me to go to my bank branch and get a new debit card immediately upon my return to XXXX XXXX. I did as instructed, and went into the PNC bank on XXXX XXXX, XXXX, XXXX XXXX upon my return, and obtained a new card. 
On XX/XX/XXXX, I noticed that the bank reversed my provisional credit, recharging me for these two fraudulent purchases. I was unable to reach the bank by phone, so I went into the branch, and I was told that PNC Bank had made a coding error, and had coded my debit card as having been lost. I told the PNC agent that I had not lost my card, but that the bank had deactivated it to prevent fraud, and that I had come into the bank to get a new card, and had then cut up that card, as instructed. The PNC agent then accessed the internal system to correct the internal system error, for the first time, inputting that my debit card had been compromised, and that I had never lost it or authorized its use. She told me it would take about 10 days to investigate, but unfortunately, the bank was not going to issue me provisional credit during this time. I told her that it was unfair that the bank would make me ( The customer ) pay for its internal system error, and that I should have access to my funds immediately, as the bank is the one that should be protecting me, its customer. To date, I have not received this provisional credit. 

In these days where banks want their customers to use their atm cards and debit cards, it is outrageous that the bank should require its customer to bear the cost of its business. I did everything I was told to do when I was told to do it. I never heard from the bank until they reversed their provisional credit because someone in the bank wrongly coded my debit card as being lost. It never was! It was compromised, which is happening more and more each day. How are we customers to survive if the banks make us pay for the cost of doing their business!
On XX/XX/XXXX, I discussed with a PayPal representative about connecting our two PayPal business accounts. I told her I wanted to set up a 1-way automatic payment from the newer PayPal account to our primary PayPal balance, to which she said she would look into it and make that connection.
<P/>
Instead, and without our expressed permission, On XX/XX/XXXX PayPal automatically transferred the entire balance of our primary PayPal business account into a XXXX XXXX XXXX bank account that neither the business or its owners have access to. The PayPal staff member incorrectly, and I believe illegally, established a recurring daily transfer of the total PayPal account balance to that same XXXX XXXX XXXX account to which we did not give them permission.
<P/>
On XX/XX/XXXX I called and told them to turn off this " auto sweep '' function so no more funds would be withdrawn. The employee said he turned it off and we would n't have any issues. I also escalated the issue to a supervisor ( XXXX ) and asked to be reimbursed the funds that they unlawfully took out of our account. He told me that he would contact me no later than XX/XX/XXXX with a resolution, and I have yet to receive a response.
<P/>
Today, XX/XX/XXXX, a second " auto sweep '' payment left our primary PayPal account, but this time it went to a connected bank account that the business does control. Again, we did not give them permission to make any automatic deposits, we did not give them permission to send them to the bank account the funds were deposited into, and they said they cancelled the " auto sweep '' function two days before, so this should not have happened.
My loan repayment, on XXXX, was recalculated by Pennsylvania Higher Education Assistance Agency for the year and they did not include my wife 's loan in their calculation causing a much higher amount to be deducted than necessary. My student loan payment for my loan jumped from {$260.00} to {$670.00}. The amount they debited however in XX/XX/XXXX was {$810.00}. My wife 's loan increased from {$190.00} to {$420.00}. This increase was due to a failure on my part to confirm her updated yearly certification. I received one email and no reminders from Dept. of Ed. to finish the process. This difference of {$800.00} is significant. I 'm working XXXX jobs to try and keep my head above water. My salary as a federal attorney has lost ground when compared to health insurance premium increases and property tax increases in XXXX County, MD. I work part time on the weekends at XXXX XXXX, but that additional income only increases the amount I 'm expected to pay on my student loan, creating a vicious feedback cycle. I 've recently taken a XXXX job as a part time tribal judge. With a XXXX child XXXX, XXXX XXXX not counting my work hours at XXXX towards XXXX status, this expected but wrongly calculated increase has severely cramped our budget for the month. 

I also have a hard time understanding their PLSF calculation. I was hired at XXXX on XXXX XXXX, XXXX. I worked for XXXX XXXX XXXX, XXXX from XX/XX/XXXX to XX/XX/XXXX. Their calculation says I have 95 payments to go. I have been making loan payments, when not in school, since I worked for the XXXX. I will have 13 years of federal service in XX/XX/XXXX. At what point does the ten year forgiveness kick in?
XX/XX/XXXX  M & T Bank is reporting that I paid {$2900.00} per month for an outstanding loan, and it 's keeping me from getting approved for loans or any consumer credit.
 XX/XX/XXXX   XXXX   XXXX   XXXX   {$2500.00} is showing revolving credit, this account was satisfied and closed out in  XX/XX/XXXX  it 's still being reflected on my credit report. I disputed in  XX/XX/XXXX  and was advised it was removed.
 XX/XX/XXXX    XXXX   XXXX   account was disputed, and satisfied still being reflected on my credit report.
 XX/XX/XXXX  M & T Bank {$1100.00} was satisfied in XX/XX/XXXX  still being reflected as a negative result on my credit report.
Renewal for my home insurance ( XXXX policy # XXXX ) ( wind, fire, homeowners ) is due and the premium went from {$6800.00} to {$9300.00} based on information from LexisNexis Consumer Service Center. 
They state that 1- % if depart store accts reported inlast 24 mo to total # accts 2- % open retail accts to total open accts 3-insufficient information on personal finance accts 4- # of  accounts that have been established I called the XXXX # provided ( XXXX ) for LexisNexis and only an automated robot was available which would not accept the reference # I was given ( XXXX ) but instead was asking for full name, DOB, SS XXXX. 

I have no outstanding balances on ANY credit card. I only use VISA and MASTRCARD which I pay in full each month. I pay monthly the mirtgage, phone, gas, electric, and car insurance. I hace a XXXX card  which is paid in full and an inactive XXXX and XXXX also paid in full. 

This raise in premium based on Lexis Nexis is completely inappropriate. I suspect it has to do with a claim last year due to Hurricane Irma which was actually not covered by them but by the flood insurance!! It is simply outrageous! 

Please help me! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
XX/XX/18 XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX Equifax is stating fraud activity going on. This is not true and it is hurting me from building my credit with secured cards.
While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX on or about XXXX/XXXX/2015 on TRANSUNION credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.
XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX CO XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  OF XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
We purchased a new car from XXXX XXXX of XXXX Florida on XXXX XXXX, 2015. The XXXX XXXX talked us in to taking a minimum loan of {$6000.00} from Chrysler Capital to get a {$500.00} discount. He assured us we could pay it off with the XXXX payment. The salesman and manager kept trying to get our SSN 's. We refused and only gave them to the finance person who confessed he was new and was unsure of all the conditions of the loan. He could not give us any information on payment amounts. The only information he would give us was the date of the XXXX payment. When I told him I wanted to pay it off as soon as possible he said we would have to wait for XXXX XXXX to contact us. A month later we received the first payment voucher. The voucher had the payoff amount listed. I tried to make a full payoff over the phone. The automated teller would only let me make a payment of {$2000.00}. I talked to a customer rep and supervisor. They said I could not payoff the loan over the phone and would have to mail it in, with a new higher estimated payoff amount. They could not show anywhere on my voucher where this was required. The Supervisor then gave me XXXX different addresses to mail the payment to. I told her I did not trust her directions and mailed the new higher payoff to the address on the voucher. XXXX and XXXX XXXX seem to have an operation of making up a process to maximize interest returns. I hope they credit my account before they decide to charge more interest.
Credit reporting companies, the big three - XXXX, XXXX, and experian all charge fees for instituting, thawing, and lifting credit freezes. These companies collect this information without my consent and I am coerced in to " doing business '' with them if I want to be involved in society in any meaningful way. The fact that I have to PAY THEM MONEY to adequately protect my valuale personal information is a discrace. Since I and other consumers have no recourse to not to business with these companies ( other than exit from society all together ) free market principles will not work to solve this problem. And I am forced to pay their fees. For example, if I do n't like that Experian charges a fee for a credit freeze, I ca n't just decide to move my business to XXXX. And for those who the can not easily afford the fees ( x3 because you need to do it at three companies ), this is even more burdensome and onerous. Thus some type of protection from these abuse of the market by these companies is needed. Some states have such laws, but not my state.
In light of the egregious theft of my highly valuble personal information from XXXX, the importance of a security freeze is great. These comanies should allow me to protect my information without financial penalty.
Mortgage XXXX US Bank ORIGINAL mortgage taken out by XXXX XXXX XXXX and XXXX XXXX XXXX In XXXX of 2015 I filed a insurance claim against my insurance company XXXX XXXX XXXX company Insurance policy XXXX US Bank ticket XXXX A check was sent made out to myself, XXXX XXXX XXXX ( 2nd mortgage holder ) and US Bank. I signed it, XXXX XXXX XXXX signed off on it and it was sent to US Bank who cashed and still has the money. The check was for {$24000.00} The asked for the check, the insurance adjuster 's worksheet, a signed contract and a contractor waiver of lien. I sent all of that. Then they wanted a XXXX filled out. I sent that. 

Then they said they had no paperwork so I sent it again. Everything goes into the general pool of file loss representatives and no one will take responsibility. 

I finally did get a check for {$20000.00} on XXXX XXXX but it was made out to me and my deceased husband. They have an original of the death certificate and he is not on the insurance, only I am. So I had to return the check and then once again they claimed there was no paperwork. They will not transfer me to a manager, even a voicemail, and no manager has EVER called me. 

All the work has been done by my contractor and I really would like to be reimbursed for all of it. 

At this point I do not know what else to do short of hiring an attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX
Received two letters from   XXXX   XXXX   XXXX   stating that my accounts with  XXXX   XXXX  were being sold to a collection agency  XXXX   XXXX   XXXX . Acct ending in  XXXX  had a balance of {$3300.00} and acct ending in  XXXX  had a balance of {$3400.00} according to the letters. My wife reviewed our credit reports with   XXXX   credit Bureaus  XXXX , Equifax and  XXXX  since the accounts were a joint account and noticed that the amounts and dates reflected on our reports were different than what the letter stated and that   XXXX   XXXX   XXXX   was also reporting as a separate account from  XXXX  on my   XXXX   report which made it seem like I  had  XXXX   past due accounts instead of jus t  XXXX .     XXXX   reports originally showed as follows :  XXXX  acct ending in  XXXX  balance {$3600.00} opened  XXXX / XXXX / XXXX ,   XXXX   XXXX   XXXX   acct ending in  XXXX , balance {$3500.00} opened  XXXX / XXXX / XXXX    XX/XX/XXXX   acct ending in  XXXX  balance {$3100.00} opened  XXXX / XXXX / XXXX    XXXX   XXXX   XXXX   acct ending in  XXXX  balance {$3100.00}. Equifax showed both  XXXX  accts the same as   XXXX   but no  XXXX   XXXX   XXXX  accts.   XXXX   showed no  XX/XX/XXXX  accounts but the   XXXX   XXXX   XXXX   showed as follows :   XXXX   XXXX   XXXX   acct ending in  XXXX  balance {$3500.00} opened  XXXX / XXXX / XXXX    XXXX   XXXX   XXXX   acct ending in  XXXX  balance {$3100.00} opened  XXXX / XXXX / XXXX . None of the amounts reported to the credit bureaus match the amounts listed on the letters I received in the mail from  XXXX   XXXX   XXXX . I never signed a contract with   XXXX   XXXX   XXXX   and my account with  XXXX  was included in a chapter  XXXX  bankruptcy that was filed  XXXX / XXXX / XXXX  so my account should not have been transferred or sold to   XXXX   XXXX   XXXX   or submitted to the collection agency   XXXX   XXXX  . The inaccurate reporting done by  XXXX   XXXX   XXXX  and  XXXX  has made it very difficult to acquire new credit and has tremendously effected my credit scores with each reporting agency. I demand all accounts be removed from the  XXXX  bureaus as they are inaccurate. My wife filed a consumer finance dispute (  XXXX  ) against  XX/XX/XXXX ,  XX/XX/XXXX   (   XXXX  ) and Equifax (  XXXX  ) on  XXXX / XXXX / XXXX  and in doing so  XXXX  deleted the accounts from her credit report, however the accounts on my credit report were updated as follows :   XXXX -  XXXX   XXXX    acct #  XXXX  and  XXXX  acct opened  XXXX / XXXX / XXXX  {$3100.00},   XXXX   XXXX   acct #  XXXX  and  XXXX  acct opened  XXXX / XXXX / XXXX  {$3500.00} which is still incorrect. Equifax currently shows-   XXXX   acct # ending  XXXX  opened  XXXX  {$3100.00},   XXXX   acct ending #  XXXX  opened  XXXX / XXXX / XXXX  {$3600.00}.   XXXX   currently shows-  XXXX   XXXX  acct ending #  XXXX  opened  XXXX / XXXX / XXXX ,  XXXX   XXXX  acct ending #  XXXX  opened  XXXX / XXXX / XXXX  Due to the continued inaccurate reporting these accounts need to be deleted from my credit report as well. They were deleted from my spouse 's report and the accounts were joint accounts.