WillisBack/dataset-financial-user-claim huggingface dataset:
My tax refund of {$3200.00} was sent to my bluebird ( American express ) account on the XX/XX/XXXX. OnXX/XX/XXXX I went online to check my account as it had been a while since I had looked at it. Upon viewing my account I saw that I had a balance of XXXX. Someone had fraudulently accessed my account and drained it to nothing. I looked in my wallet and my card was missing. I 'm unsure when or where it was stolen from me. The charhes occurred a couple weeks before I called in to file the unauthorized charges. I dis n't realize that it was even missing. It is quite previlant that it was misconduct being the money had been sithing in there for months and all of a sudden all of the money is gone in 2 days time. So o theXX/XX/XXXX I filed the dispute for {$3200.00} in unauthorized charges. I am then sent a declaration of fraud form that must be turned in before the a 10 day period, which I do. As the law states if more to me is needed for the investigation that exceeds the 10 day period then a provisional credit will be given to the cusomer. TheXX/XX/XXXX was the 10th day. I called in and they said they have not heard back from the fraud department and they could only send an email as they do n't have telephones. I said to them It is a government mandated law that I recieve prprovisional credit as the 10 days is up. They said the ca n't do anything but send an email and the would receive a response within 24-48 hours. I had no choice but to say ok and comply. 2 days later still no update so in call back. They tell me they have still heard no word from the fraud department. I ask for a supervisor, I wait 1 hour and they finally come on the.line. I ask them it 's been 48 hours and I 've been very patient. How is this ok that American express does not follow the law that is set fourth. She does n't say a word. Just keeps repeating about sending another email. Which I reply we tried the email already it did n't work. I repeat again, how is this ok that you guys do not follow the law. I should have been issued provisional credit 3 days ago. They tell me yes you did get the.form turned in in time before the 10 day period and you should have got the provisional credit. So I 'm just so baffled at this point. I try to ask her what the next step wpuld be and she hangs up on me. I call back and ask for a supervisor again and they tell me. All supervisors are busy assisting customers we can have them call you back. What is a good callback number. I give them my number. I never get a call back. The next day XX/XX/XXXX. Which is toda in call yet again, I get the same exact responses, all we can do is email the fraud department again. I 'm so frustrated at this point I do n't know what to do. How can they get away with breaking U.S LAW like this.
In XX/XX/XXXX I was falling behind on my XXXX XXXX XXXX credit card. I called the company and asked what did I have to do to bring my account current. They had told me that if I had pay {$200.00} today and set up automatic payment that it would bring my account to a current state. So this is exactly what I had done, I paid {$200.00} on XX/XX/XXXX and had automatically taken out payments. The account is now a XXXX because I had paid it off. My problem is that they are reporting multiple 120 day and 90 day lates, even though I made payments for those months. I had called the company multiple times and they told me to report it with the credit reporting agencies as a dispute, which I did. Each time they came back as verified, even though I sent in my bank statements and the VS statements showing I had made payments for those months. 
Then a month ago I had called XXXX XXXX instead of XXXX XXXX customer service and the lady I spoke to told me they would remove all of the lates from my credit report, that was over 30 days ago.
XXXX XXXX, 2015 I mailed a dispute to Experian and approximately 27 days later I got a response stating : " we have received a suspicious request regarding your personal credit that we have determined was not sent by you. We have not taken any action on this request. An future request made in this manner will not be processed and will not receive a response. '' I was very disappointed and took to the internet to research this. It seems that Experian is doing this to everyone. However, on XXXX XXXX, I mailed a registered letter explaining that the letter was not fraud and to please process my claim. As of XXXX XXXX XXXX today ) I have not heard from them. Now Im wondering how do i remove errors froom my report as they are refusing to process my disputes?
On XX/XX/2018 I tried to refinance car again. The credit union denied my application again. She said the reason is the car XXXX more than it is worth. My credit is not good enough it need to be XXXX mine is XXXX. My ratio is XXXX meaning that they think that I wouldn't be able to make the monthly payments. I co-signed a car loan for my daughter and her credit is worst than mine. I was trying to see if they would approve it without her this time but it was still a no. We brought the car from XXXX XXXX they said that after 6 months to a year we could refinance the car with a credit union and build our credit up together. My daughter has not missed a payment and never a late payment. I didn't think that we would even be approved because my credit is a maybe and her credit is bad. We were financed through Exerter Finance. I called them and explained that the interest rate was too high could they lower it since were in good standing and never late. The interest rate is XXXX. They said go to a credit union, I said we tried that several times and XXXX XXXX said the same thing the car payoff amount is too much higher than the car is worth. Exerter said they don't refinance. Why is it legal for them to give us a Predatory Loan. How did we even get approved, if a person credit is not good enough to Refinance a car then they should not be approved for a car loan. I would like Exerter to lower the interest rate since we have proven that we can pay the car loan on time. Most of the money is going to the interest and not the principal. Can we sue them for Predatory Loan? What are our rights as a consumer?
I obtained my credit report and realized that a collection agency was reporting a debt I had no knowledge of. I attempted t dispute the debt with credit bureaus however the debt was verified as belonging to me. I decided to exercise my rights according to FCRA and request validation of the debt with the collection agency via certified mail. The collection agency Resurgent Capital responded to my debt however they reported inaccurate information. Please see attach documents and notice that not only does their amount that they are attempting to collect doesn't match the statement they provided as " debt validation '' but it also doesn't match the debt or creditor that is being reported to credit bureaus. Also, the validation of the debt they provided has also expired due to the Statue of Limitation! I disputed this account with all bureaus and they all verified that XXXX/Resurgent verified this account as being accurate therefore for them to provide mismatched and inaccurate information supports their knowledge of reporting inaccurate and false information according to FCRA 623 ( a ) ( 2 ) ( B ) this is a major violation.
I was misled during my lending process. My initial lender Mortgage Lenders of America asked me to do a Credit Bureau Explanation. I thought the request was strange however since I am a first time homebuyer I thought I 'd comply. I was informed a week later that my credit report from XXXX had been updated and my legal name had been removed from my credit report and my credit score had dropped XXXX points. Also all of my physical addresses were removed from my credit report without my authorization or consent. This allowed Mortgage Lenders of America to raise the interest rates on my loan to 4.87 % FHA loan which is extremely high. I immediately contacted my loan officer XXXX XXXX with Mortgage Lenders of America about the change and she denied it. However, I only provided her with the Credit Bureau Explanation.I am now using another Mortgage Lender. However, I needed to report this illegal practice and I actually believe that someone should be imprisioned behind it. It allows these lenders to charge excessive interest.
On XXXX XXXX, I sent an investigation request to XXXX, XXXX, and XXXX XXXX. I am attaching a copy of the request I mailed in. As of today, only XXXX has responded. I was supposed to get a response by XXXX, and we 're almost through XXXX now.
I have continued to request for verification and validation of the alleged debt but to no avail. This debt is not mine. I do not owe the amount requested and they continue to switch collection agencies and therefore making it impossible to get the validation. They filed a bogus item on my credit files
XXXX XXXX phone number XXXX, extension No.XXXX is a mean person whom Bank of America has appointed to handle my problem. 

I called him several times and he has n't shown even the slimmest sign to solve my problem. 

He is a Liability on Bank of America who is taking the salary and not performing. 

I called him several times and left voicemails but he does n't even care to call me back and solve my problem. 
After speaking with him, I have got another bill from Bank of America for {$2800.00} and they are asking me to pay {$44.00} every month, what the XXXX.. What is XXXX XXXX doing ????? 

Out of no where I recieved this bill, What is XXXX XXXX doing? Is he on a holiday or a cruise where he could n't pick up the phone?
On XXXX XXXX, I received a letter addressed to my home from XXXX who identifies themselves as a debt collector. The letter indicated that I had an outstanding balance with Green Trust Cash in the amount of {$350.00} principal, {$100.00} interest, and {$60.00} in fees. However I have had no financial dealings with any such company and have never applied for any loans, cash or any other type of account. I called and spoke to a representative of Green Trust Cash who would not provide me their full name or answer any other questions about the account other than to verify that my name was used to open one. I also ran a credit check after receiving the letter and there was no such account that appeared on the report.
lvnv funding llc.calling me alltime or the day and night damge my credit report raised a mount that hold them I never took any credit from them
Received a 'Notice of statement credit ' dated XX/XX/2017. In the letter it indicated I would receive a {$330.00} statement credit which would be applied to my account and would appear on my statement within two billing periods. 
My credit was never received so I phoned the credit card company and it was then explained to me that I would receive my credit by each {$50.00} purchase with a 1 % cash back. 
I do believe this is wrong and it stated a credit to my account. I would very much like this explained to me thoroughly.
I received a voicemail on my phone number that was intended for my wife saying she was being served and she owed a debt and had a judgment against her. We were unaware of this debt and I called the number back and was transferred to a man named XXXX XXXX. XXXX XXXX pulled my personal information from my number I suppose and his first line of tactics was to point out I couldnt possibly be married to my wife because I am too old for her. He hung up on me and I called back and asked to speak to anyone else. I was immediately transferred to him. Im just going to list the next insults because the narrative is too long. I am a XXXX for marrying my wife. I am abusive and do not let her make her own decisions. His job is to turn old guys like me into pretzels ( physical threat, obviously ). Im too XXXX to understand anything he says. I am too cheap to buy my wife the things she needs. I am unable to XXXX XXXX XXXX XXXX XXXX. He refused to tell me what the debt was from, who it was owed to or how much. Then he called my father-in-law to tell him his daughter married a XXXX. Then he called my sister-in-law to say the same. Then he called me back to tell me again that i was too XXXX to understand what he was saying and told me he would talk to my wife ( who he called non-stop for some time ) and me after she returned home but at least then he told me it was an old XXXX account and that it was XXXX XXXX bucks. There was a whole lot more Youre old, youre XXXX stuff but it got boring. The ironic thing is I was actually calling to just pay whatver she owed but he never allowed me that option.
This is a company which I was reported to the Bureau two months ago and once again who uses all the power to mess up my personal record. on XX/XX/XXXX this year I filed a complaint against Discover credit card and Discover company did not respond to my complaint and discover credit card ignores me, Discover file another wrong report to the credit bureau because of all these I believe for the last two years I have cheated by discover credit card and probably the purchase and the billing were wrong so therefore, I ' m asking for the bureau to have a broad investigation to Discover credit card for abuse of trust. One more time if any of the info was wrong I would like to ask the bureau to step in and solve this issue. I think Discover credit card abuses the power and consequently discover board destroyed my character and put me into a situation where I can even get a job.
I rented an apartment to XXXX XXXX managed by XXXX XXXX. XXXX XXXX sent me a bill stating that I owed {$54.00} for a gas bill. I showed them a letter from XXXX XXXX that I did not owe them anything. XXXX XXXX letter stated that I 've been paying my utility bill to them since I 've established it before I moved in. I continued to pay my rent and the management company continued to send me letters stating I owed them money. The management company started of with saying I owed {$54.00} and continued to increase it to {$6000.00}. The management company filed a suit against me for none payment in XXXX 2014. I was not properly notified and filed a motion against them. In XXXX 2014, my case was heard in front of the Maryland Circuit judge. The management nor their attorney showed for the hearing. The judge dropped the charges. Upon, recent review of my credit report, I noticed the management company sent {$9000.00} debt to a collection agency. I had the state 's attorney 's office investigate. XXXX XXXX stated that my bill for the gas bill has increased to that amount. I disputed it stating that a hearing was held in XXXX 2014 and was thrown out by the judge. This company has illegally placed a debt on my credit report that is not mine, they did not notify me nor did they try to dispute it again in court.
I never had a car loan, I was in XXXX during the time of this loan and I was the vicitm of idenity thedt and I have filied with the ftc.
I have been receiving daily harassing phone calls from " XXXX XXXX '' and " XXXX XXXX '' who work for Premium Asset Services , LLC, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX and given phone # ( XXXX ) XXXX. 

When I called to find out why and for what reason I was passed to " XXXX '' who claimed he is the " Director '' of the firm and that I borrowed money from someone who I didnt pay back yet he would not say who the money was owed to. I asked him to stop the calls and then he proceeded to tell me I was " a funny guy '' and asked " how was my girlfriend and my wife '' ( I have no wife ) suggesting he could hurt them in some way. I hung up on him.
SPRINGLEAF AGREED TO REMOVE THEMSELVES FROM MY CREDIT. NOT ONLY ARE THEY STILL SHOWING I HAVE A BALANCE BUT THEY ARE ALSO STILL SHOWING A JUDGEMENT THROUGH XXXX COUNTY MAGISTRATE COURTS
I sent money to my friend in XXXX but by mistake I sent to a wrong bank. It happend on XXXX/XXXX/2016
Our loan rate seems higher than most of my neighbors in my zip code, most of it is going to interest and the principle has not moved. I have held a mortgage with Wells Fargo for over XXXX years and still owe more than the property is worth. My house has been on the market for almost a year, and in order to sell, we have to take a lost because of the payout amount due to Wells Fargo. Your help is appreciated. Thank you.
Since XX/XX/XXXX I've been receiving harassing phone calls all throughout the day from Navient regarding loan payments for 2 of my private loans from XX/XX/XXXX I'm currently in XXXX school and notified them of this. They stated I was under Forbearance, but it was running out. But if I paid XXXX dollars over the phone it would bring my account current and I would continue to be in Forbearance till  XX/XX/XXXX. Well They have continued nonstop calling with harassing phone calls since XXXX and asking me to pay another XXXX dollars to for the Forbearance program. Well I contact Navient on several occasions trying to see what program I could get to help me with the 2 private school loans who we're initially through XXXX XXXX, and was told that once I finished school I could have the 2 two loans combined as one, but that never happened. I opt out to borrow XXXX dollars and was told that it had to be taken out in 2 different loans. The loans have blown up to XXXX dollars per Navient. They said I have run out of Forbearance and I asked if I could get help, because i'm not able to make the allotted loan payments. They also charged my account with late fee 's and reported my account to the credit bureau and I filed an complaint and they had to remove the derogatory late payments off my credit. They have since reported that I'm 2 payments late on the loans, even though they told me I'm still under a Forbearance till XX/XX/XXXX. I never received a email or call about the 1st recent missed payment, bit all of a sudden the account is 2 months late. My interest rate is 11 % and XX/XX/XXXX I contacted Navient and asked what other programs am I qualified for since I'm still in school and can not afford the XXXX payment at this time. I was offered a program to decrease the interest rate on the loans and lower the payments from XXXX to XXXX. But was told that the offer was only good for 12 months on the 1 loan and 6 months on the other. And after the time frame, my loans would resume the original amount plus the interest unless I could qualify again. I need help with this issue and finding a resolution before my loans go into default which I don't want that, I want to pay for the student loans. Even though the loans we're taken out under predatory lending practices from XXXX XXXX for XXXX XXXX XXXX which was not a accredited program and was lied to about it.
I contacted Experian in XXXX about incorrect personal information on my report. There were several mistyped names and addresses. I never received a response back and upon looking at my current report they chose to pick and choose what they took off. Under the FCRA they must take off any information that is incorrect. I called and informed a rep that I have never lived at any of the below addresses listed and that the names I have never been known as or legally been. She informed me tough luck they report what they want and if it's a debt owed they won't remove it. Well, it's inaccurate information which tells me the credit bureau isn't actually validating debt and just putting whatever it wants on it. 

These are INACCURATE names and addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, nc XXXX XXXX XXXX XXXXl XXXX, nc XXXX
You closed complaint # XXXX in error. I do not think you understood my issue. 

XXXX XXXX is not posting credits for items returned. Below is an email response I received on XX/XX/18 from XXXX XXXX regarding my complaint. They have NOT credited me for items I returned in XX/XX/XXXX & XX/XX/XXXX. The list the returns in my account activity history, BUT it does NOT decrease your balance. 

From : XXXX XXXXSent : Wednesday, XX/XX/2018 XXXX XXXX ( ET ) To : YouSubject : Re : OtherMessage ID:XXXX Thank you for your recent inquiry to our Customer Care Department XXXX 
XXXX XXXX XXXX issues your account and responds to all credit related inquiries. 

I apologize for the confusion and frustration you have experienced with your XXXX XXXX   account. I have taken the time to review your previous messages as well as your account to assist with your inquiry. You are concerned that your balance and available credit are not reflecting accurately due to pending transactions. 

After reviewing your account, I see there are 13 returns totaling {$270.00} that are pending transactions. Our records indicate that 7 of the 13 pending transaction will post to the account on XX/XX/2018. of the remaining 6 transactions, 1 will post on XX/XX/2018, and the remaining 5 will post on XX/XX/2018. We are unable to change the posting time as this is indicated by Simply Be. For more information regarding the posting timeframe for these returns, please contact XXXX XXXX at XXXX. 

We hope this information is helpful. For the security of your account information, we ask if there are any follow up questions you have related to this concern, please click on the reply button. 

Sincerely, XXXX XXXX Internet Customer Care Team MIND YOU I AM BEING BILLED FOR INTEREST ON AN INFLATED/INCORRECT BALANCE AND MY MONTHLY BILL IS ALSO BASED ON AN INFLATED/INCORRECT BALANCE. AND AS YOU CAN SEE IN THE EMAIL 7 OF THE UNPOSTED CREDITS WERE SUPPOSED TO POST ON XX/XX/18, THEY HAVE NOT. IF THEY WOULD PROPERLY POST MY CREDIT, THIS ACCOUNT WOULD BE ALMOST PAID OFF!
On XXXX XXXX around XXXXi went to us bank drive up atm..I went to withdrawal XXXX in process it said unable to process transaction and then atm went down.I even took picture of atm.I called my bank while still St atm filed dispute and even went into bank to tell them atm went down but XXXX still was deductedfrom balance.teller told me file dispute nothing they could do.well us bank went give me my XXXX they said I got money but if they pulled camera they would see different.this is not right
On XX/XX/2018 I submitted a complaint to Credit Bureau XXXX and TransUnion about errors on my credit report. Recently I received a completed report from them. I had requested Validation and accuracy of a XXXX account # XXXX. Under Federal Law, I have the right to see in writting how XXXX/XXXX and TransUnion Validated the accuracy of this negative collection account. This was a paid on time account and closed. XXXX/XXXX and Equifax has failed to provide me proof documentation from XXXX. The 30 days exceeded.
This complaint is against TransUnion the credit bureau. Their service to put a credit freeze in place is deceptive and unfair in that in the terms and conditions of the service there is no schedule of fees disclosed.. In signing up to schedule a credit freeze, it appears as if this is a free service until the end of the 'checkout ' process and there they list an add-on fee of {$10.00} that applies when you want to lift the credit freeze. This is not clearly disclosed in the initiating the service and is a practice that is not supported by the other credit bureaus. 

Now that there 's been the XXXX security compromise, consumers are scared about what will happen to their credit and this is an abusive fee that is penalizing us for taking proactive and preventative actions. Please work to remove this fee entirely or to waive it for those affected by the XXXX breach.
I have never received any credit card from Citi Costco. When I applied loan for mortgage, I found I have late payment. I called citi credit card without even knowing my credit card number. The address and phone number associated with the account is not correct. I never received any statement from Citi. I was told there was {$50.00} balance from previouse XXXX card with Costco, and the balance transferred to Citi. I did not even know this. I was charged over {$100.00} late pay and interest. I made full payment immediately and request to close my account. I request a letter from Citi to explain the situation that I have never received any paper statement or even the credit card because the address is not correct so that i can submit a dispute to credit beureau to correct my credit score. I was told by Citi credit card they could not do anything. they were very rude and did not help.