WillisBack/dataset-financial-user-claim huggingface dataset:
Zest cash has continually debited my account on a weekly basis for various amounts. Despite the original amount not being held with sufficient funds. Each attempt incurred a XXXX dollar ACH fee with XXXX XXXX. Should the initial debit fail several others will take place.I have also noted that the website does not offer the ability to check your account or even offer to take a loan out in my state of Texas
I was part of the Equifax breech. This is horrible because I 'm a young person who has worked very hard for her high credit number and I 'm disgusted that this company has known about this breech longer than today XXXX/XXXX/XXXX. I have never used this company for any reason but they still had access to my credit records. My privacy and future has been jeopardized. I 'm only a young adult, am I going to have to be looking over my shoulder all for the rest of my life?
I currently have a student loan through Navient. I have called to discuss with them the fact that you are unable to make a principal payment on your student loan. They always give you a run around and I feel that they are making your payments work best for them. The records that they provide are very vague as far as how payments are applied and so on. I have tried to check and make sure that my payments are being applied the way that I want them to be, but it is impossible to tell. I feel very deceived and they should be forced to allow an option to choose how you would like your payment to be applied. In addition, their customer representatives are extremely unhelpful and simply get you off the phone as fast as they can. As a student, I am forced into this loan program, this is a government program and the government should ensure that students are not being mislead.
I received a letter from   XXXX   XXXX   around the end of     XXXX   indicating I defaulted on a loan. I never applied for a loan. I immediately called   XXXX   XXXX   after receiving the letter and they told me the money was direct deposited into a checking account. It was n't my checking account. The agent then looked at the account information and the security questions were not answers or anybody I knew. Based on the answers it was somebody else that I knew. This person called   XXXX   XXXX   and with my permission paid/settled on the balance. I was told the negative reporting would be removed. I even received a letter in RR mail shortly after this other person made the payment.  <P/> Now the item is showing on my credit report and opened for the full balance. I called   XXXX   XXXX   today and they told me to file a complaint with the FTC.
I am disputing the following accounts listed on my credit report. After receiving a letter stating I was a victim of Identy theft I found the following accounts reporting.

XXXX XXXX XXXX Fraud Account XXXX XXXX XXXX this is not my account I never had a account with this company.

XXXX XXXX XXXX I have no knowledge of this account XXXX XXXX XXXX this account is being reported as authorize user I never gave any consent to be added to anyone 's credit I have no knowledge of this account please remove it also XXXX XXXX is reporting the same way I do understand how someone else credit card is reporting on my credit report without my consent.

XXXX XXXX is a collection account I have no knowledge of this account I have disputed this account with the company as XXXX XXXX XXXX is also reporting a collection account on my credit this account also is being disputed as Fraud I am request it to be removed from reporting. 
I have also attached my FTC please see attachment
The XXXX breech made clear that none of these credit report agencies have my or any other consumer 's security in mind. As a consumer, I have no ability to manage, secure, or opt out of the system. 
Identity theft is a real problem and all to easy commit with limited knowledge of the victim. Steps have to be taken on the federal level to protect US citizens and consumers from Identity theft and misuse. As I see it, the following actions need to be taken : 1. Prohibit the social security number from being used as a means of identification. The SSN should be used only for the collection, assessment, and distribution of social security taxes only. The dependency on a " secret number '' that is required for virtually every " big ticket '' purchase to keep our identities safe is an exercise in foolishness.
2. Set up HIPAA-like protections on identity. Force modern encryption standards on all databases containing identifying data. Make it incumbent upon any agency that wants to collect and store such data to properly secure it so that breech of a database can do limited damage at most. Impose stiff mandatory fines upon any company that loses control of such data and force compensation to be paid to any possible victim.
3. Come up with a system where identity can only be verified with participation of the consumer. Possibly based on a XXXX platform. Thereby the user can explicitly control who has access to his/her identity and who does not.
With modern day encryption techniques and technology, this level of security is attainable. One of  the main duties of the Federal Government is to protect its citizens from harm. Read any account of anybody who has had their identity stolen and you will realize a living XXXX that I pray I never experience. Do what 's right, protect your citizens.
Experian was one of three credit agencies I used to collect my free annual credit report. Because credit reports do n't actually present your score, I purchased one online from Experian for about {$5.00}. 

During this process, I apparently agreed to a recurring monthly membership fee of {$20.00}. I agreed to no such thing, at least not voluntarily. It is possible I missed some auto-filled check box or something else that indicated as such. 

I contacted Experian about two days after the charge posted to my account to explain my situation. After talking to her supervisor, XXXX, the support person, said they only offer refunds for 24 hours after payment. She offered to cancel my service, and I accepted. 

I believe it 's unethical to offer one service, and then use a confusing, deceptive, or unclear user interface to trick site visitors into purchasing unwanted services. I 'm not an XXXX or a Internet newbie, I kept watch for such things and still missed it. 

Mistakes happen, and Experian should be required to acknowledge my mistake and refund my {$20.00}. I have a family XXXX, every dollar counts, and I 'm trying to repair my credit, not provide a target for corrupt companies that claim to care about my circumstances. 

Sincerely, XXXX
I went to XXXX in XXXX, WA for the Winter Quarter of XXXX and for a few weeks XXXX Winter Quarter. I signed one Promissory Note for this first quarter in XXXX. After a few weeks in XXXX XXXX I was called into the Dean 's office and told my math skills were n't good enough for continuing the college so I did n't go any more and dropped out. I have been charged tuition and fees for quarters and years up until XXXX as if I were still going there. They even have me paying cash payments for fees and books throughout XXXX, XXXX, XXXX and now XXXX!. This would be impossible since I no longer attended after XXXX XXXX I do not know how someone opened up more student loans under my name and social security number unless it was done to defraud the system. I only signed one promissory note for the quarter of XXXX XXXX. Navient and US Department of Education say I owe them up to {$13000.00} now. I even paid on these loans but I asked Navient to not put me in Forbearance because I do not owe anything. Navient still put me in Forbearance and fraudulently show as paying some to my credit bureaus which is a total lie. I am not still paying on these so called federal loans because I do not owe any more. 
Also, XXXX XXXX took over the school in XXXX and they have been worse to deal with and lie even more. I asked them to produce all my Promissory notes that I would have had to sign for each quarter and they ca n't send me any with my signature on them because I did not take any further loans out since that one quarter in XXXX. XXXX XXXX has closed the school now. XXXX XXXX even had me withdrawn in the Fall of XXXX and then had me signed up again in XXXX. Which is a complete lie. Navient tells me XXXX XXXX is still open and I owe all this money and they are reporting on my credit bureaus that I owe {$13000.00}. Please help. They have ruined my credit. I am not in debt with any of my bills. This is such an injustice..I have no one else to help me but your organization.
Our mortgage company has not been apply payments correctly for their advantage, has stopped mailing paper statements without any notification, and falsely attempted to charge our account with late fees due to some computer glitch on their end.
The original debt was with Payday loan. It was taken over with Ad Astra. I originally provided a fully filled out check for the pay back to Payday loan which they apparently did not cash. It was at least a couple of years before I realized I had a problem. And Astra is on my credit report as a judgement even though the statute in California is four years and has clearly been over for a while. When will this issue be removed from my credit report?
I utilized your agency to file a complaint against Fifth Third Bank. ( case # XXXX ). This problem my dealings with a home loan through this bank. I finally resolved the issue by going to another bank ( XXXX Bank ). to take over the original loan. I am a veteran so recently I have been exploring the possibility of utilizing my XXXX ). I started this process thru XXXX XXXX. According to the XXXX XXXX representative, XXXX XXXX, ( ph # ( XXXX ) XXXX ) with whom I am making this loan application, stated that until recent date the credit report from Fifth Third bank did not contain any negative information about my credit history.. All of sudden XXXX XXXX is sent this fictionalized account of my relationship with Fifth Third Bank! According to XXXX XXXX, this document was sent in an underhanded manner in order to sabotage my XXXX application with XXXX XXXX. This unethical bank ( Fifth third ) is attempting to deny my rights as a veteran to obtain a home loan in retribution to my contacting your agency!
Collection agency keep selling a stolen identity account to each other and after I deleted from my three reports, Experien don't wan na take it off after I filled the necessary police report, the XXXX  and XXXX  took it off but the shady Experien doesn't wan na remove it, please help it's like A mafia thing I have been trying for three years to remove it but, they refused..
XXXX XXXX  is showing 1 past due payment amount for XXXX of 2018. Payment was not late from me but was posted late from mortgage company.
My name isnt XXXX XXXX that is one error on my credit report. My name is XXXX XXXX so please remove these errors listed on my credit file. 2. All the addresses listed on my credit file is reporting incorrectly and the only address that should be reporting on my credit file is XXXX. XXXX XXXX XXXX FL XXXX. So please remove that error as well along with the inaccurate accounts and inquiries that you have been reporting on my credit file.
I took out {$49000.00} dollars in loans ( direct subsidized and unsubsidized ). I have fought with Navient to allocate my payments to ONLY the unsibsidized loans so I dont gain interest while I am in school and they keep applying evenly. This has led me to gain over 10,000 in interest plus all the money I paid to try to keep my loans at how much i took them out at.
I have disputed XXXX XXXX XXXX XXXX # XXXX .... because it does not belong to me. Experian claims they verified this information to be correct and because of that they locked me out where I can continue to dispute this account online. I would be impossible to verify this account because it does not belong to me. I called XXXX XXXX XXXX XXXX and they have no record of me. Please remove this account
In XXXX I requested my XXXX free reports, and was told my info did n't match, so I would have to request them by filling out a form. I did this, and XXXX of the bureaus sent my free report, but Experian responded that they could not identify me, and that I should send them a copy of my state ID card and my Social Security card, which I did in XXXX 2016, but I never received my report from Experian, nor any response at all after I sent them the requested documents. I tried calling their customer service number, but wading through their phone tree does n't get me to speak to a live person, so I have no idea what to do. I really need the report, because I believe it is incorrectly showing a student loan as unpaid.
Despite 2 written requests, unverified accounts still remain on my credit report. The bureau stated in their responses that the accounts were listed as valid, however failed to send me the documentation that they used to verify the accounts as I requested in my letters of dispute. The company has ignored my request which is clear evidence of their disregard for Federal Law. Section 611 ( 5 ) ( A ) of the FCRA states they are required to promptly delete all information that can not be verified. I am requesting deletion of these unverified accounts. The law is very clear as to Civil liability and the remedy available to me ( Section 616 & 617 ) If the bureau fails to comply with Federal Law, I will have no other choice but to pursue litigating this matter to enforce my rights under the FCRA.
On XXXX XXXX, 2015 I in good faith opened up a Bank of America account and deposited a check from XXXX XXXX for {$1.00}, XXXX. I received a check from XXXX XXXX for damages to my refrigerator through a XXXX XXXX warranty account. Once I found out that the check was returned I notified XXXX and was told another check would be reissued in its place. 
I spoke to a Bank of America representative in customer service and explained the problem and was told that I would be given until XXXX 2015 to clear up the repayment. I am requesting that my name be removed from any negative reporting list. I have paid back the bank in full.
I took my pet to the XXXX XXXX XXXX, after the second visit my pet died and I notified the VCA XXXX. I then received a document from the XXXX XXXX XXXX XXXX stating I have {$0.00} amount due on XXXX/XXXX/16. I then received another document from Caine & Weiner stating they are attempting to collect a debt of {$220.00} on behalf of XXXX XXXX XXXX XXXX dated XXXX/XXXX/16. I will attach both documents.
I have aflame blemishes entries that was placed on my credit report and I have been trying for over 8 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 12th dispute in which I am currently awaiting results. On XX/XX/2018 I called and spoke with a representative and inquired how XXXX verifies their public records/accounts. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX  refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine. In addition to public record have student loans from XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX.
Capital One has been applying my payments late which is leading to several delinquencies on my credit report. They are reporting my payments as 31 days late when the payments are being within 30 days or less. This is inaccurate reporting and illegal. I have tried multiple times to remedy the problem with them to no avail. I am now demanding that all late entries be removed from my file or I will be forced to seek further action based on damages incurred to credit profile due to their erroneous and haphazard reporting.
I have disputed these accounts before, the answere I received I feel do not dealt with the problem. These bill have been under dispute because the items that were charged were not correct. I have fought with the hospital about the amounts and the charges. I am on Medicare and each time I have paid my copay this company has continued to try to charge outside what they should have been charging. I received treatment from them for 14 months. The last 3 months of treatment they began to charge for things that were not done, I have continually spoke with them concerning this each time the insist the doctor needs to change the code but the doctor says it 's the same code he has always used. I have contacted my insurance but have received no relief.my point being that the charges are incorrect, these are charges that were and should have been paid by my insurance. The previous time you came back with the charges had been proven, but how can you say that when you do n't know what the charges should have been in the first place. If these charges were correct my bill would have been much more than these amounts as I received the same treatment for 14 months. Why did they change the last month 's of treatment. I do n't think this should be allowed to stand as it is a dispute over the amounts charged for things that were not done. By allowing this to be placed on my credit report you are placing me in a position of being forced to pay incorrect billing or let it remain on my report.
I am set to close on a new home for my family XX/XX/XXXX but when the mortgage company pulled my credit, a delinquent XXXX XXXX 2nd mortgage appeared on my credit with notes stating included into a bankruptcy. This account was reaffirmed in the bankruptcy and I have been making payments since the BK in XX/XX/XXXX. XXXX is reporting the account correctly with no late marks and nothing about being included in the BK. XXXX   shows me being delinquent XX/XX/XXXX but the account was paid in full on XX/XX/XXXX. XXXX  does not show the late mark but still shows the account included in the bankruptcy which is not the case. Again i reaffirmed the debt in the BK and have been making payments ever since.

Aslo this is a joint account with my spouse XXXX XXXX and the errors listed above are also on her credit.
ECSI Heartland ( which just acquired XXXX ) charges a " convenience fee '' of {$.00} for each autodraft payment -- effectively forcing the individual to pay in order to pay their loan. They claim this is for " website maintenance '' for a website which they have said they will no longer update ( this is for the XXXX site ) and that the convenience fee will continued to be used once XXXX borrowers are rolled over to the ECSI Heartland website ( which they wo n't give a timeline for ). This is just another example of student loan servicers profiting off of student loan borrowers after winning lucrative contracts with the federal government. There are plenty of other servicers that do not charge for this. When I asked if I could lodge a complaint, I was told they do not take complaints. Additionally, their website is currently stuck in the XX/XX/1990 and borrowers are n't able to update much on the website without calling or mailing in information to the servicer. When setting up Auotdraft for example, it took a month and half to set up and I never received the correspondence that my autodraft would not be in effect for my next payment ( although I filed it well before their deadlines ). Supposedly this information was mailed to me, but I 'm signed up for XXXX -- also a " service '' that ECSI / XXXX does n't seem to keep updated as none of the correspondence I get is ever electronic.
On the XX/XX/XXXX I made a transfer ( MTCN XXXX ) of {$5000.00} from my XXXX XXXX  account via Western Union to my XXXX Account in XXXX for a medical emergency and got a confirmation that they money will made made available on the XX/XX/XXXX.While this transfer was being processed and pending and initiated a second transfer ( MTCN XXXX ) of {$5000.00} from my XXXX XXXX via Western Union to my XXXX account on the XX/XX/XXXX for the same medical reasons and I got a confirmation to receive the money on the XX/XX/XXXX.
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On the XX/XX/XXXX, I got and email from Western Union that my first transfer is cancelled and I called to know the reason and they could not give me any reason. All I was told was " the web department is closed '' and that my money will be refunded back into my account. Because of the bridge of contract on my first transfer without any reason, I asked for the second to be cancelled and refunded back so that I can use other means to address my medical emergency. They only processed the first transfer and I can not access the money for the second transfer even though it has left my account and I still ca n't use get it back. The customer services personnel told me different things that does not make sense and at this time I am in between not having the money they already took from my bank account and facing a huge financial dilemma due to pressing need to provide the fund abroad.
On XX/XX/XXXX of XXXX, I consolidated 6 private loans under three different loan servicers : XXXX ( 1 loanXXXX XXXX XXXX {$7200.00} ), XXXX ( 3 loans- XXXX XXXX XXXX- {$1300.00}, XXXX- {$2700.00}, and Perkins loan- {$3000.00} ) , and XXXX ( 2 loans-XXXX XXXX- {$6500.00} and XXXX- {$8600.00} ) with Sofi for XXXX. XXXX then became my consolidated loan servicer. In XXXX of XXXX, I noticed that I kept receiving XXXX bank statements to re-pay my loan. I also noticed that my beginning balance at XXXX ( {$30000.00} ) dropped to {$20000.00} within 3 months. I called Sofi 4 times in regards to this situation. The final representantive I spoke with ( a member of their specialist team ), stated that Sofi made an error and did not include my XXXX loan. A previous representative I spoke with told me that Sofi would " take care of the issue since this was an error on Sofi 's end. '' I was never notified by Sofi about the exclusion of the XXXX loan and thus, was late on my XXXX payments as I was under the impression that Sofi had consolidated all 6 loans. Sofi is now stating that I must re-start the loan application process and now consolidate XXXX with XXXX in order to resolve the situation for their error.