WillisBack/dataset-financial-user-claim huggingface dataset:
I have learned in the last couple days, that the guest account on applications on XXXX phones, you do not need a password for and it links directly to your google account because it is your Google XXXX XXXX Account. My XXXX phone went back to XXXX ( per merchant guest account from prior phone. ) Not one rep through Google has stated the guest account was the play account, nor that the charges that play games billed were actual Google charges. Google cant provide a invoice or did they obtain authorization. These charges were not made by a minor or am I aware of anyone that made charges to my account. Google blamed my friends and family, refunded half towards a judgement for not getting expressed consent as i have been stating and deleted the remaining {$4000.00} and hundreds of transactions they ran through my bank out of their system. Google told me about a week ago to go to authorities because my info was stolen and its on another account. Why has it taken 2.5 years since i found out to have them tell me to go to authorities? Why did Google state in responses to complaints with the Attorney General and the FTC they were aware of the issue and to have me contact them and not state my unemployment card was on someone else 's account? I want the account and googles billing practices investigated. If Google would of investigated, the XXXX breach would of been made public sooner. I came to them and told them that there was a XXXX on my XXXX account that linked to his XXXX able to bill without permission. ( Google wallet separate charges ) I have given not XXXX person authorization to bill, add my payment method and not XXXX person has asked for my permission. I did not create a Google Wallet or Google Payments account. These are fraudulent transactions Google processed with out the expressed consent of the account holder, and are altering and deleting information 3.5 years after the first charge, 3 years since they flagged it 16 times without contacting me. Those flags have now been deleted from the invoice, yet I am told i didnt tell them fast enough what they concealed from me! Who benefited the transactions? Who received the credit from the purchase? How much was taken? These are all questions I have asked repeatedly, to be told i did not tell them fast enough, what it is obvious they have known! 
I would like Google to explain if a guest account for a application on a android device is phone specific and for billing purposes the same guest account is google account specific, what steps were taken to verify if the transactions were legitimate? 
please see complaint numbers below filed with CFPB for back up documentation. 
XXXX filed XXXX/XXXX/2016 XXXX filed XXXX/XXXX/2016 XXXX filed XXXX/XXXX/2016 XXXX filed XXXX/XXXX/2016 XXXX filed XXXX/XXXX/2016 XXXX filed XXXX/XXXX/2016 XXXX filed XXXX/XXXX/2016 XXXX filed XXXX/XXXX/2016
Receive constant threats from so many different companies about student loans that I can't keep track. Recently I received a threat from XXXX threatening to garnish my wages at my new job. This is in addition to XXXX XXXX XXXX, Navient, XXXX XXXX and XXXX XXXX. I have written letters to every one of these companies requesting validation of debt and letters disputing the validity of this debt and they never respond, or they send me a promissory note from XX/XX/XXXX from XXXX which was paid off in XXXX they have a list of 10+/- student loans from years I was not enrolled in school. They have completely ruined my life, my credit, several jobs for 18 years. I have done everything in my power to rectify this situation but they simply pass it off to a different company. They have put 36 pages worth of negative reports on the 3 credit reporting agencies, I have disputed the records but nothing was done. In XXXX I was so sick of the stress from these companies and the constant harassment and contacting my employer, that I called them back and settled the debt ( that I didn't even owe ) just so they would leave me alone. I paid them {$5900.00} with the promise of a letter stating all student loan debt was satisfied in full and a list of loans covered in the agreement XX/XX/XXXX! As soon as they got the money they never sent the satisfaction letter, put all of the money to INTEREST ONLY on 3 loans not a single dollar to principle and put all the loans back in default and reported to 3 credit bureaus. They have levied my tax return for 10years without proper notification or proof of debt. I also paid another company {$140.00} a month for loan Rehab they never paid {$1.00} towards my loans & defaulted me again.
submitted an online dispute. Received an email stating that the request has been completed. Upon entering my information to review the results I received a mesage that my information does not match Equifaxs records. Phone Equifax and got a representative that spoke very poor English. Rep verified what Equifax hace for my records, which was the exact information I used when trying to review my dispute results. Then I was told that there was no dispute showing & the rep took my dispute over the phone. I again got an email stating my dispute has been complete and yet again when trying to retrive the results I got a response that my records did not match Equifax records. Contacted Equifax again today XX/XX/18 got another representative that spoke very broken english stating the same thing the previous rep stated. Askes how can I retrieve my results and was told that I cant and that she can submit another dispute. I believe my information is being held from me due to fraud on Equifaxs part.
My XXXX credit report # XXXX dated XX/XX/XXXX shows that XXXX XXXX XXXX XXXX /XXXX  ( original acct owner ) is reporting a charge card account with a date opened of XX/XX/XXXX. The balance they have listed is {$1300.00} ( updated on XX/XX/XXXX after I disputed an inaccurate balance history based on what the report itself states ) and the highest balance shows {$1400.00} with a recent payment amount of {$140.00} on XX/XX/XXXX which they reported under " Balance History '' dated XX/XX/XXXX. There is also a balance history for XX/XX/XXXX which strangely enough lists {$0.00} Paid on XX/XX/XXXX. IF a payment of {$140.00} was made on this acct on XX/XX/XXXX, why wouldn't it be listed on the balance history occurring in XX/XX/XXXX? Why would it only appear in the later date of the XXXX XXXX balance history? Also, under " Payment History '' in the year of XXXX in XXXX this acct lists 120 days late. How can this acct be 120 days late in XX/XX/XXXX AND a payment made on XX/XX/XXXX? It appears the dates, balance, and payment information may not be accurate.The major issue with this account is that XXXX is an original creditor who has, apparently, sold this account ( attached copy of letter from collection agency named XXXX   who bought the acct around XX/XX/XXXX ) and continues to report each month with a balance due of {$1300.00}. If XXXX does not OWN this debt then this is inaccurate and in violation of reporting guidelines. I have disputed this listing and can not seem to get the credit reporting bureau to do anything more than say they investigated it. Otherwise, they would have seen the inaccuracies and requested verification from the original creditor. I request that XXXX verify the information they have listed for this acct and prove they still own this account because I have a letter from a collection agency stating XXXX sold the acct to them.
The whole crux of the matter is this : I was charged fees for something that should not have incurred fees. I believe in being responsible for my actions, but it goes both ways. The bank is to be held responsible as well. I was " tricked '' into thinking that my payment was made, when the bank actually had n't. 

On XXXX,XX/XX/XXXX, I deposited {$27.00} in cash into my checking account via ATM. I setup up my credit card payment ( XXXX XXXX ) to be paid the following day. It is understood that these payments take a few days to process. 

On XXXX morning (XX/XX/XXXX), I logged into my account and noticed the fee had not been taken out yet. On XXXX afternoon, I logged in, and noticed that the {$27.00} WAS NOT IN MY ACCOUNT ANY LONGER. 

At this point, I proceed to make a few small overdrafts at or under {$5.00} using my debit card, as is allowed per my overdraft choices. 

On the afternoon of XXXX,XX/XX/XXXX, I went to the ATM to deposit {$14.00}, the amount needed to bring my account over zero within the time allowed. When I looked at my receipt, I saw to my amazement that a XXXX overdraft fee was charged on XXXX  for my payment! 

I deposited the money. I setup the payment. The payment was removed. How could I be charged a fee? 

On the late afternoon of XXXX, XXXX XXXX, I put a message into the bank 's secure message center online. On XXXX,XX/XX/XXXX, I logged in to see that not only had they not responded to my message yet, but ANOTHER FEE WAS ADDED. This {$30.00} fee is for an extended overdraft situation. 
I sent an additional message about this fee. They refused to respond, for whatever reason. 

I finally called in on XXXX, XX/XX/XXXX. I spoke to a customer service representative who listened to my situation, which was an abbreviated version of the first five paragraphs above. She finally agreed to remove the first fee. I protested, because the fees were related. But for the fact I was charged the first fee, I would not have had the second fee tacked on later. I asked to be put through to speak to someone higher up. 

The supervisor/manager was very knowledgeable and professional, and made an extremely detailed explanation of the posting order of transactions. I re-explained my situation. She finally said that they only do one courtesy fee removal a year. I responded that I see both fees as bank errors, and not courtesies. I even counter-offered with them removing one as a bank error, and the other as a courtesy. She declined on behalf of Citizen 's Bank.
I contacted navy federal on XX/XX/XXXX and sent a request to be removed as an authorized user from account. navy federal then promised to have me removed and also for the trade line to be removed from my credit report navy federal never removed the account as promised and this is impacting my credit as this is not my account and I was not liable.
1. On XXXX/XXXX/15 I made a deposit by Check to the line of credit account at Wells Fargo in the amount of {$49000.00} using XXXX Bank. 

2. The check was cleared from the XXXX XXXX on XXXX/XXXX/2015 ; However till date the credit is not applied to my line of credit account at Wells Fargo. Now, the money is not available at the XXXX XXXX as well ; since it 's been collected/claimed by Wells Fargo3. Called WellsFargo and they said the {$49000.00} will be available on XXXX/XXXX/2015 which is after a month, I have made a deposit. 

4. WellsFargo will dearly charge me an interest for entire month until the funds are available to my account ; now this is a day light robbery. 

Please help and if possible ; investigate the unfair practice at the wells fargo.
I have had consistent payment history for over 3.5 years on my mortgage with wells fargo through a property that I own in Missouri until just recently. In XXXX, there was an issue that an automatic payment was drafted through my XXXX bank account from Wells Fargo, yet Wells Fargo after conducting an internal inquiry, says that they never received the funds. This issue caused several overdraft and late payment fees. Then again, this month.. The total draft amount is {$1400.00}, and this attempted to process on the XXXX of this months where I had the funds in my normal account, yet their attempt to draft resulted in a NSF fee and late fee stating that there was n't enough funds to process the transaction.. When my bank records clearly show that there was over {$2800.00} in the account at the time that the draft was attempted. This month I received a letter stating that I have not submitted my mortgage payment, then the next day I received my mortgage statement with notification that my payment was received. 

This XXXX instances have caused multiple associated fees and charges exceeding $ XXXX {$200.00}, in addition to the mortgage payments in question.
CBA reported false info on credit report. Debt was paid in full and balance is XXXX.
XX/XX/XXXX XXXX XXXX XXXX-HARD INQUIRY-FRAUD XX/XX/XXXX XXXX-HARD INQUIRYXX/XX/XXXX XXXX XXXX XXXX XXXX-HARD INQUIRY-FRAUD XX/XX/XXXX XXXX XXXX XXXX-HARD INQUIRY-FRAUD XX/XX/XXXX XXXX XXXX-HARD INQUIRY-FRAUD XX/XX/XXXX-XXXX XXXX-HARD INQUIRY-FRAUD XX/XX/XXXX7-XXXX XXXX XXXX-HARD INQUIRY-FRAUD XX/XX/XXXX-XXXX XXXX XXXX-HARD INQUIRY-FRAUD XX/XX/XXXX-XXXX-HARD INQUIRY-FRAUD I HAVE HAD A FRAUD ALERT ON MY CREDIT FOR THE PAST THREE YEARS BECAUSE OF MY CREDIT BEING COMPROMISED BY EQUIFAX. I HAVE SPOKE TO EVERY CREDITOR LISTED ABOVE AND THEY ALL HAVE AGREED THAT I HAVE SIGNED NO APPLICATION. I HAVE CONTINUOUSLY REPORT THIS TO EQUIFAX AS FRAUD AND TO REMOVE THESE HARD INQUIRIES FROM MY CREDIT AND EVERY TIME I DO SO, THEY SAY ITS FACTUAL RECORD WHEN THERE IS ABSOLUTLEY NO WAY ITS FACTUAL RECORD. I WANT EQUIFAX INVESTIGATED JUST AS ALL THE OTHER MILLIONS OF CONSUMERS WHOSE CREDIT HAS BEEN COMPROMISED BY EQUIFAX TO MAKE SURE THEY ARE DILLIGENTLY DOING THEIR JOB TO REMOVE FRAUDULENT INQUIRIES ON MY PERSONAL CREDIT THAT SHOULD ABSOLUTELY NOT BE THERE. THE NEGLIGENCE OF EQUIFAX HAS RUINED MY CREDIT BECAUSE OF THIS.
I went to pay my JP Morgan Chase mortgage on line and the option was n't there. I then went to my bank and the bank manager had to make several calls to find out what had happened to my loan. From what I read they are required to notify me before they to the transfer. I did get anything in the Mail, E-mail, message through chase.com, phone call, or push notification with the chase app. That 5 ways they have and do contact me and they did n't.
The way my loan payment is setup it is split into groups. If I pay by account, the amount I pay is split by them between the three groups. But it doesn't specify which group is getting what. 

Two years ago I made a large lump payment from inheritance that cut my owed amount in half. And after that I paid an average of {$100.00} payments which was double their {$58.00} recommended amount. 

The {$58.00} was being split between Group A and Group D, with interest rates of 4.5 % ( Group A ) and 3.860 % ( Group D ) while {$0.00} was being applied to the loan with the 6.8 % ( Group B ) rate meaning it was just gaining interest this entire time. 

Since then I've been using the 'pay by group ' option so I make sure some of my payment is going to Group B. 

I've attached the screen to show how they look, but since I already paid for this month it won't show the automatic distribution. I can provide that at the start of the month when the next payment required shows up.
cap XXXX reassigned servicing of loan to another company. Letter dated 2 weeks from date of transfer XX/XX/XXXX was sent, letter of course was not delivered to me until XX/XX/XXXX. I have not received any notification from the new loan servicer. attempts to contact the new servicer were unsuccessful and have no info on new account number to send with my payment I was not given two week minimum notification as required In prior correspondence cap 1 stated that several thousands of my money that was being held XXXX by cap 1, could be applied to XX/XX/XXXX payment knowing full well that were transferring servicing of my account ; when i called to request return of my money they refused
I received an alert on my Experian and XXXX credit monitoring service that a hard Inquiry was placed on my credit report by XXXX XXXX on XX/XX/2018. How is this possible because I placed fraud alerts on my credit report. Someone tried to obtain credit using my information. I have not applied for any credit with XXXX XXXX. I also, filed a police report a few weeks ago because of my missing wallet which contained my Driver 's License, Military ID, Social Security Card and Debit Cards. Please remove this hard Inquiry from XXXX XXXX.
Equifax mishandled my information, which puts me and several hundred thousand other people at  risk. I am listed as a potential victim according to their website, and would like a resolution. They should pay for credit monitoring etc.
I am having a major problem with Navient. I have been faithfully paying and paying extra on my student loans, yet the balance is not going down as it should. Navient keeps mis-applying my payments and making interest-only payments on some of my loans. I have contacted Navient a number of times and have asked for managers/escalation, but they always tell me there is nothing they can do about past allocations, that they can fix it for the future, and we go over how to allocate my payment, then they do it wrong again. 

In XX/XX/XXXX I paid {$16000.00} on my loans. When the year began I had $ XXXX in debt and now my balance is still {$30000.00}. I have paid extra and watched the balance creep down to below $ XXXX and then, even though I am still over-paying - creep back up to above it. There is no one at Navient who can explain this to me! 

On XX/XX/XXXX the balance on one of my four loans was {$14000.00} and XX/XX/XXXX it 's {$14000.00}. I paid {$2800.00} in interest and {$340.00} principal this year. That makes NO sense whatsoever. The interest rate on this loan is 4.625 %. No one at Navient can explain this or help me with this.
I received a letter from " XXXX '' of XXXX stating that I owed {$20.00} due to an unpaid medical bill from " XXXX XXXX XXXX XXXX. '' After calling and speaking with them and making it clear that I have never visited a place called " XXXX XXXX XXXX XXXX '' she said " Well, we have your name, your birth date, how else would we get it? '' I made it clear that I was not paying until I found out if this was legitimate. She gave me the date of service but said she " had no other information. '' I called my doctors office, confirmed that I had visited on that date, paid on that date ( as per my credit card statement ) and that I had no balance due. I believe this company is simply attempting to collect money from anyone who will give it to them, regardless of whether debt is owed or not. The letter I received from them states that there will be a delinquency on my credit report if this is not paid.
In XXXX 2015, I called to change my account type to a " Basic '' checking account. I experienced a job loss, and I was no longer able to meet the direct deposit requirement for a fee waiver. The representative performed the switch to a " Basic '' account which would lower the monthly service fee from {$25.00} to {$12.00}. This change was not actually performed, and I have been charged the {$25.00} fee for five months. The bank refuses to credit me for the five month period of fees, despite having no activity on the account. I 'd like a refund of the {$65.00} in additional fees charged due to the bank 's error. ( 5 months x {$25.00} ) - ( 5 months x {$12.00} )
The issue at had is with my current mortgage company XXXX XXXX. 

I'm a FL resident and on XX/XX/XXXX I was impacted by Hurricane Irma. FL was considered 1 of the Disaster areas. Due to this, Loan care offered a 3 month forbearance that was extended for an additional 3 months in order to help the victims. 

I was placed on the forbearance. On multiple occasions I've called and spoke to several different representatives in customer service to confirm that being on the forbearance would not have a negative impact on my credit report. Over and over the confirmed as long as I stayed in contact with them by the end of the forbearance to look into other options to repay I would not experience any negative reporting. 

At the end of my forbearance they demanded me to pay in full the 6 months payments which was more than 10,000. I was shock that this was the only option so I asked if they had other repayment options like perhaps rolling the balance to the end of the loan. 

I was finally contacted by an underwriter for the company and was offered a disaster modification option which sounded great. I applied and was approved and placed on a pre trail for 3 months. I'm currently on my 2nd trail payment and is required a 3rd payment before they will officially put me in the modification. 

My account was being reported current up until XX/XX/XXXX. On XX/XX/XXXX my account was reported 180 days delinquent, a past due balance of XXXX and a statement that I'm in a repayment modification process. Because of this reporting my credit has dropped more than 77 points which cause a huge impact to my credit ratings. I was never informed that accepting the loan modification would impact my credit negatively. I was told that all negative reporting would be placed on hold. 

I'm currently in the process of obtaining new credit and because of this discrepancy I can not move forward. This is unfair to me. If I was properly informed I would have never chose this route. My credit is one of my top priority and keeping my ratings high has been my goal for many years now. 

I contacted my mortgage company and spoke to a supervisor that informed me that the negative reporting was a mistake and should have never occurred and that she would contact me to confirm it was being corrected. I haven't heard back yet. Time is of the essence and would like confirmation that the changes will be submitted. 

After speaking with her I called a few times and spoke to different representatives that informed me that the negative reporting will not be removed because the account was behind. at this point I'm getting mixed information and need help. 

I will attach a copy of the email I sent to them also.
I have filed 4 disputes with credit bureau and filed a complaint with cfpb and no one is correcting I talked to the owner XXXX XXXX and he sent me a letter I submitted and the bureau. I did not miss a payment the account has been paid off in full by me XXXX XXXX,2017 .IF THIS IS NOT CORRECTED IAM SUEING ALL PARTIES EQUIFAX XXXX AND XXXX XXXX XXXX correct this now on my report i have submitted proof it has been paid this is ridiculous and fraudelant to have paid and report that I missed XX/XX/XXXXpayment .IT WAS PAID XXXX 9,2017 check the records
U.S. Bank charged an overdraft fee when the account never had a negative balance according to online banking records. In addition, the account is " opted out '' of overdraft protection and can not be charged an overdraft fee on " regular, everyday '' ( Dodd-Frank Act ) transactions that result in a negative balance. The bank has reserved the right to process these transactions but not to charge a fee resulting in the inadvertent processing of these transactions which results in a negative balance on an account that is " opted out. '' The transaction that U.S Bank alleges having caused a negative balance is a recurring charge from XXXX for xbox live services. This recurring charge occurs regularly, every month, in the middle of the month.
Regarding my recent late payments in relation to medical issues I am requesting late charges be waived and removed from my account. 
And also removed from the consumer reporting agencies. I would like to have my minimum payment amount lowered. 

Respectfully, XXXX XXXX XXXX
The Receivable Management Services Corporation is attempting to collect a debt that I do not know. I have requested numerous times that the company provide me with information showing that this debt is mine as well as the amount owed. They have failed to provide me any documentation that this is my debt, but are continuing to send bills threatening to take legal action if I do not pay the debt. This has been going on since XX/XX/XXXX. They have also been reporting that I owe them {$380.00} to the credit bureaus which is damaging my credit. I first requested that they verify that I owe the debt back and XX/XX/XXXX and never received any confirmation. But they are continuing to send bills threatening legal action and reporting to the credit bureaus.
My medical bill was paid in full in XXXX 2015. The doctors office did not report it as paid and it is still being reported on my credit. I am fed up and want some sort of legal recourse.