WillisBack/dataset-financial-user-claim huggingface dataset:
Hello, I was wondering if someone could contact me in order to offer me some advice or direction in my current situation. I am XXXX and live in XXXX County, Maryland and attended XXXX schools. 

I grew up with a single father with mental illness after my mother passed away when I was XXXX. Our family could not afford health insurance so my mother could not go to the hospital when she had a ruptured appendeix. Because of my father 's XXXX XXXX, he could not provide any support or advice in my life decisions. 

The reason I am sharing these personal details of my life is to paint a picture of what barriers I was facing at XXXX when I wanted to attend college. 

Coming from an affluent area in XXXX County, I knew what career success looked like. My parents never achieved this type of success so this naturally motivated me more to work hard to have a successful future. I learned at a early age that intelligent individuals are evenly dispersed among any population but unfortunately wealth is not. I was one of unlucky, XXXX children that was aware of this discrepancy ; possibly the worst of all scenerios. 

Because my dads lack of experience in this area, and his XXXX struggles, I was on my own in figuring out how to apply to, and finance college. Like any teenager with a question, I went online and typed in, " How do I pay for college. '' I clicked on the first advertisement I saw, and ended up taking out XXXX private loans from XXXX XXXX to finance my college at the University XXXX over XXXX years. I had never heard of FAFSA, I was not aware federal loans and their forgiveness programs, I did n't know what a grant was or how to find scholarship opportunities. 

You might question, " Why did n't you get this information from a high school counselor? '' The answer is simply, " I do n't know. '' I assume possibly fell through the cracks because I was a XXXX, XXXX student that looked like my affluent, well supported peers. My struggle of lack of educational support motivated me to dedicate my life to support student. I am now a XXXX myself. I feel no student should feel alone in their educational journey. 

I am now XXXX, and because of the high interest rates of XXXX XXXX loans, I am {$110000.00} in debt. Some of my loans have doubled in their initial amount due to interest since I have XXXX. I ca n't pay the monthly fees now, and I do n't know how I will ever pay this loan off without significant financial struggle in my life. 

I am asking for advice, assistance, references to help me in any way. Thank you for your time, listening to my story and I look forward to hearing back from someone soon.
I was interested in tickets to a XXXX  XXXX basketball game. I searched on line on XX/XX/17 and found 2 tickets that I was interested in for {$160.00}. I provided my credit card information to the seller and discovered that the tickets were available only electronically. This was not suitable since the tickets were a XXXX gift. I then declined the tickets. I have an email from the vendor stating " You have declined the ticket ( s ) offered by XXXX XXXX. This offer is no longer valid ''. I was surprised to see that I was charged {$160.00} when I received my credit card bill. I disputed the charge with the bank and my claim was denied. I appealed to the bank and my claim was again denied. The bank states that " we can't confirm you're due a credit because the merchant has no record of you cancelling the request within policy guidelines ''. The merchant 's policy is that orders can not be cancelled. I contend that the offer for tickets was declined, so that there was no order to be cancelled. I spoke by telephone with the bank, and their supervisor explains that the bank can not refund the {$160.00}.
XX/XX/XXXX To whom this may concern, I paid off and closed XXXX XXXX Credit Card with Account Number XXXX XXXX XXXX XXXX last XX/XX/XXXX ( Ref # XXXX ). All payments were made on time up to the closing of the account. It came to my attention on XX/XX/XXXX, the account was not closed and reported to all credit bureaus that I was delinquent and handed over to collections. I found that they had charged me without my knowledge annual and other fees. Additionally, they never closed my account. This dropped my credit score by over 130 points when the account had been paid off and supposedly closed as I requested in XX/XX/XXXX. I talked to XXXX XXXX XXXX  on XX/XX/XXXX and was assured the account will be closed and the {$100.00} charge reversed and reported corrected to all credit bureaus, removed/deleted from collections and cleared on my credit report. I was just told today I have to fax a letter with credit report information and an explanation. Please expedite this matter, clear this mistake and inform me immediately that the issue has been resolved, corrected and explained to credit bureaus and collection. I have included the appropriate section from my personal credit reporting company that shows the issue. Credit One`s reference number to this case is XXXX. As a result of this action by XXXX XXXX XXXX  my Credit Score dropped 130 points. Thank you, XXXX XXXX XXXX
XXXX shows on my XXXX credit report that we filed for a CHAPTER XXXX Bankruptcy and that {$1200.00} was written off. The account history states : Filed Chapter XXXX Bankruptcy on XXXX XXXX, XXXX - THIS IS INCORRECT. 

When we advised XXXX of the error in the XXXX Credit Report they responded on a XXXX XXXX, XXXX letter that the ownership of this account had been transferred to XXXX XXXX and if I wanted more information on the account to contact XXXX. 
Several written attempts have been made to reach XXXX XXXX via correspondence. Phone calls have been met with a request to make payment on the account, despite the fact that the account has been satisfied via our XXXX Bankruptcy.
I have attempted to have an account from XXXX  XXXX removed from my credit reports. I contacted each of the 3 major credit bureaus explaining that I do not have an account with neither of the companies listed on my credit report ( XXXX XXXX or XXXX XXXXXXXX XXXX XXXX ). I was told I can enter a dispute which takes 30 days to complete. Each time I put in a dispute I literally received an alert within 24 saying my dispute has been resolved with know change. In mid XXXX I contacted each bureau again asking what is the method for verifying this is my account considering I'm reporting it does not belong to me. I was told they contact the creditor and if I want more information to contact the creditor directly. 

Starting back in XXXX I've reached out to the company XXXX XXXX XXXX XXXX collecting on behalf of XXXX XXXX. The first couple of times I called ( only verifying my named, I was told I took out a loan online in XXXX of 2013. I explained I don't know who this company is nor have I taken out a loan with them. I've also asked for documentation with my identity information ( SS, address, DOB, dates, times and my signature on it ). To this date I have not received anything from either company. I also made a point to ask why I never received any calls or delinquent letters of collection. Neither rep could answer my questions. When I did a check on XXXX XXXX through Department of Financial Institution, I see that XXXX XXXX XXXX is dissolved. I mentioned this to XXXX XXXX and basically that was brushed off and they still asked me to pay them. 

I need immediate help from CFPB, my identity has been stolen 4 times within the last 7 years. This is not my debt and I would like it removed from my credit report immediately. Trying to resolve the issue with XXXX XXXX has been frustrating and time consuming to say the least. This is literally the only bill on my report and it is damaging my credit.
I have Care Credit card - Synchrony Bank, they gave me 18 months same as cash and my former balance was about {$4200.00}. Today I got my statement and it was {$6300.00} because they charged me interest for 2-3 year after my promotion ended. This should be illegal taking advantage of people who don't understand all of the fine print and they never informed me of back interest. I am not a lawyer and don't understand all of the legal wording.
There are random hard inquires from this company on my credit and I did not authorize them. They are on my XXXX report.
I have a derogatory account on my XXXX XXXX report placed there by southwest Credit systems ( SW CRDT SYS ). The account came from XXXX XXXX XXXX Some one a place called XXXX purchased XXXX worth of either equipment or services from them and used my information. If you search my residential records you will find I never lived in the city or state in which this took, in fact I have never even been there. Following is a copy of what is on my credit report I have contacted XXXX XXXX XXXX who said they would investigate Southwest Credit swears it 's my account, XXXX XXXX does nothing. I really feel violated by the abuse of these large companies who can at will mess up our lives. I think it unconstitutional be able to publicly falsely destroy my pursuit of happiness. 

SW CRDT SYS Reported on XX/XX/XXXX {$4300.00} Item Results Result : Dispute Not Specific ; Verified And Updated - It looks like this item is actually correct and it 's going to stay on your credit report. You might notice some changes to your account info though ; it 's been updated to reflect recent activity. 
Dispute Reason Accuracy : This record contains multiple inaccuracies. Please verify the accuracy of all data. 
Dispute Results From XXXX XXXX  received your request on XX/XX/XXXX and completed their investigation on XX/XX/XXXX. Please review the results carefully.
If you 're not satisfied with these results you can go to XXXX 's site and submit a Request for Investigation. You 'll be able to attach supporting documents to your dispute and ask XXXX to add an explanatory statement to your credit report. 
Want to take it offline? You can print the Request for Investigation form and mail it to the address below.
If you have specific questions regarding your dispute request or need to submit additional information or an updated address, please contact XXXX using the address shown below. When contacting XXXX, provide your current file number : XXXX. 

Mail : XXXX Dispute XXXX. XXXX XXXX XXXX, PA XXXX XXXX Monday - Friday Hours : XXXX XXXX XXXX XXXX EST Closed on major U.S. holidays
This is a continued filing of complaint XXXX against PDQ Services Inc. I would also like to file the complaint against the credit reporting agencies as well. It appears that they do not verify information submitted to them or requested to be investigated by the consumer. They accept mediocre statements from collectors with no real intent in site. The credit reporting agencies allowed PDQ Services to report information of a medical nature which invaded my privacy even though they said that they did n't and I have reason to believe otherwise.
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
I have banked with HSBC since 1989. Over the years they have sent me " convenience checks '' for my credit card with marketing blurb about them being as convenient as cash etc. I used one for the first time XX/XX/XXXX for {$1800.00}. I did n't read the small print about having to pay the amount off in 10 days so suddenly got charges. That is fair enough. My mistake. 

Since then though, I have more than paid off that amount and have made other purchase but I am still getting charges. I called and managed to get them to admit that they pay off all other charges first. In other words, they have put that check to the bottom of the pile and put my payments toward the balance I had on the card before writing the check AND purchases made on the card since writing the check. I do n't think that is fair. 

If I borrow {$5.00} from a friend one week and then {$5.00} from a different friend the week after, I think it is fair and reasonable to pay of the older debt first. 

Also they have raised the percentage rate across the board. As well as paying a higher percentage ( 25 % ) on the {$1800.00} for using their " Convenience check '', my rate for my previous balance has jumped from 13 % to 25 % and all subsequent charges are also at 25 %. This seems like a double whammy. 

I feel like I would have been better off going to a payday loan and keeping that cash advance as a separate transaction and I am being penalized for being a loyal customer.
My credit card with XXXX XXXX was charged off in XXXX 2016. XXXX XXXX has been reporting that charged off account as late & over the limit every month since it has been charged off to XXXX credit bureaus. This is a huge concern. Please resolve this issue.
I have a account with Rush card and my direct deposit has not been given to me, and I 've called customer service and keep getting hung up on. The automated system said they can not locate my account with my social security #. I really need my paycheck.
XX/XX/2017 A computer glitch that was TransUnion 's problem - not mines - caused my inquiries to be deleted.However TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them being re-adding, I 've contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added.These inquiries has added a hardship, My rights were violated by TransUnion. I am asking for your help with making TransUnion stop victimizing Me.I Ask for resolution that all of my TransUnion inquiries be deleted permanently from your report as a violation took place when they were illegally added Thank you
Ask the company to remove 30 days late payment for the month of  XXXX    XXXX  .   Because its inaccurate, they agreed. It is still reporting on all  XXXX  credit bureaus. Many letters and calls nothing has change, now reporting inaccuracy that the account was closed by me. Called to see why this is being reported by all  XXXX  credit bureaus, they acknowledge the error and said they will correct it and it is still being reported.
This complaint regards the American Express Blue Cash Everyday credit card. In XXXX AmEx offered a sign-up bonus in which if you spend {$1000.00} within 3 months, you are promised a {$250.00} cash credit, as long as your account is in good standing. I opened up my Blue Cash Everyday card account in the first week of XXXX XXXX and met the threshold by XXXX/XXXX/XXXX, spending {$1300.00} on qualified purchases. I paid it back in full well within the 3 month period, thereby meeting all required conditions. However, after numerous calls, they keep repeating that it is being researched by specialists and my request is still pending. Every time I speak with an AmEx employee, they tell me I will definitely get my bonus, but after 6 months of calling them over and over, they tell me it is still pending and refuse to send me any official notification of such. These illegal practices are ongoing, since at least XXXX, and this is criminal behavior. 

I know from research on CFPB itself that thousands of consumers have made this exact complaint, and that AmEx knows it, and furthermore that the company has already been fined XXXX XXXX dollars to pay to 250,000 customers who have been defrauded by American Express ' illegal business practices. They have been doing this willfully and criminally, since at least XXXX and get away with it the vast majority of the time. Unfortunately CFPB 's statement that " 97 % of consumers get timely replies when we send their complaints to companies. ", does not take into account that In the case of American Express, a timely reply means nothing, and gets you nothing. I urge all who have been preyed upon to keep fighting, and pursue a class action suit.
Citi mortage.lender I am a XXXX % XXXX veteran. In XXXX we XXXX no property tax. My lender took out of my payment put tax money in escrow every month for a few years. At the end of each year they paid the tax collector. Drawing intrest off the money. I contacted my tax collector they went back a few years and sent a check to Citi mortage for the taxes paid in error. I am in a repayment program with citi mortage during this period. Now citi mortage tells me they are going to hold the check from the tax assessor. Until the last repayment is made. Again collecting intrest. This seems to be creative intrested in there favor at my expense. I 'm not well educated even I see them dipping twice and giving my money a ride at my expense. 
XXXX did something similar to me years ago. I did n't ask for help then and wish I would have. This time I 'm asking for help. I need help please XXXX
Citibank has a promotion for opening a checking and saving account combination - open both types of accounts, fund them with {$15000.00} and keep that balance for 60+ days and within 90 days after that your checking account gets credited with {$400.00} promo bonus. 
My accounts were funded on XX/XX/2018, promotion condition was met on XX/XX/2018 and I was told by Citibank that on XX/XX/2018 my account should be credited with {$400.00}. 
On XX/XX/2018 I opened a customer service case with the bank, but they have been non-responsive and slow in resolving this. I was promised that it would be resolved " for sure '' by XX/XX/2018, and then I got the same run-around when I called.
I have not applied for any credit from chase, I want no credit from chase and they continue to rerun my credit checks for some reason. I have discussed this with them in the past over a year ago and they removed some credit checks now again they are doing it. I 'am being single out by chase bank as a victim as they are trying to damage my credit score, but I do n't carry there cards any more. I was on vacation all summer, XXXX XXXX in alaska back country and still applied for credit ( so they say ) Ha, Ha . I want all four XXXX hard filing removed from my transunion report and any future ones they may come up with, as I DO NOT intend to apply for their card. ALSO the XXXX excuse of having my identiy stolen as was their reason too. wo n't fly anymore. Just clean up their hard files or give me a excuse like they do and blame some one else.
Loan # XXXX We have been working on solutions to avoid foreclosure. The Mortgage company always appears receptive, and then does the following once were close to foreclosure date. 

# 1. Says certain paperwork didn't receive in a timely manner. 
# 2. Paperwork missed a check box or was the wrong document. 
# 3. Says there is no paperwork received. 

This has happened over and over. The most recent situation is my next door neighbor made an offer and the mortgage company said they would open my loan for a short sell. I sent them the paperwork, and then followed up on-line. They closed my access to the on-line area and said just to print off the paperwork I needed, and send it, which I did. 

They then said they didn't get it in time, and have moved forward with foreclosure. I don't believe they want a resolution on this property.
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These are the dates this Finance Company check my credit without my permission. Ive reached out to this company multiple times with no luck. This is a auto finance company, I have not given anyone my permission to finance anything with my credit nor have I applied for any finance loans. Ive been back and forward with the credit bureaus working on my credit fraud case. So Im contacting this company directly to have these inquiries removed and or deleted off of my report.
From XXXX through XXXX, I've tried as well as the company I hired XXXX XXXX XXXX XXXX to have car loanof XXXX XXXX XXXX removed off my transunion credit report.
Experian Credit Bureau incorrectly list the wrong last 4 digits of my Social Security Number on my Experian credit report.
I had a dispute it was resolv ed Suntrust sent m e a letter to that and asked if I wanted the paperwork they have used so I could look at it.   That wa s 2 weeks ago and I have called 10 times  (  XXXX   XXXX   XXXX   ) I h ave been lied to, hung up on and been treated terribly I am ready to go postal on these people they do n't give a  XXXX  about anybody, They need to be put down. My local offi ce (   XXXX  FL ) was useless..The lady I talked with to day told me they had to request the paperwork. Now another 7 days I have to wait. Another problem I think happened they stalled me since  XXXX    XXXX   to resolve this. and they did n't post it on my online account.     lies and corruption from this bank and it needs to stop. You can only call  XXXX  number and the customer service  XXXX . They no nothing even If they   XXXX   XXXX  .      XXXX   XXXX
Back in XX/XX/2013 my ex-wife filed bankruptcy so Wells Fargo stopped reporting on my credit report. I contacted Wells Fargo about the issue and they had me send in my divorce settlement showing that she no longer has a claim to the house. Shortly after I sent this information in they began reporting on my credit report again. Recently I went to get a loan to keep my deceased father 's house from going in to foreclosure, which happens to be at Wells Fargo. Now I have been told that my credit is too low do in part to not having a mortgage that I have been paying for 11 years on my credit report. When I called about the issue all the representative could tell me was that from her understanding it will not report even though it has been reporting for the last 5 years.
I have recently obtained a copy of my credit file and there are many mistakes in my rep XXXX/ XXXX XXXX XXXX - XXXX : Unverified account XXXX/ XXXX XXXX XXXX XXXX XXXX : I have never paid late XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : Unverified account
On XX/XX/XXXX, I sold A van I owned. I sent the release of liability to the DMV the same day I sold the van and that was the last I heard. On XX/XX/XXXX I received a notice from a collection agency for tow fee 's, this was the first I was notified of any issues with the vehicle I sold. We 've had a problem in our neighborhood with mail being delivered to wrong address or not all so i 'm not certain that the tow company mailed me something as the collection agency claims as they have not provided any proof of that mail ever coming to me. On XX/XX/XXXX I sent a written letter along with supporting documentation that I sold the car back in XXXX. The collection agency responded and I received a letter on XX/XX/XXXX stating my dispute was not valid and a copy of tow paperwork stating the car was sold for {$170.00}. They are telling me I owe {$1700.00} for storage for a vehicle I clearly sold and have proof I sold it. The collection agency tells me it the tow was for a police impound and where the car was towed from is in close vicinity to the person i sold the car who is listed on the bill of sale. I 'm not certain what happened when I sent the release of liability to the DMV as the car had XXXX License plate I 'm not sure if XXXX forwarded to document to XXXX. What I am positive of and under penalty of perjury I sold the car and followed the steps I needed to take to remove myself from liability. I even cancelled my car insurance. I accepted a job as a flight attendant and moved out of the State of XXXX in XXXX of XXXX. The collection agency told me I need to pay the debt and then sue the person I sold the car to in small claims court. That sounds to me like a sold a car for {$100.00} and now owe {$1700.00} plus small claims and I will be out all that money. This does not seem legal.