WillisBack/dataset-financial-user-claim huggingface dataset:
There are 11 inquiries showing on my XXXX  and 20 on Transunion that I did not authorize. I am a victim of data breach, identity theft and have requested these inquiries be removed from XXXX/Transunion and have had no success.Both Reports show 8 XXXX accounts student loans that are discharged and very old accounts showing derogatory and 1 XXXX XXXX  XXXX XXXX, the credit company just keeps updating the date so it remains on my credit repirt. Account for XXXX XXXX account Balance {$4500.00} showing negative and as Authorized user when I never signed any documents or aware of this account. XXXX XXXX as well is Fraud. I have requested over the phone removal of these items and they are very aware of my Police report as well as the discharge of my student loans. The loans are incorrect information showing. Please have them removed from both reports immediately as this is not the first time I have to go through CFPB.
I am a parent co-signer on student loans for my son. The resolution I want is to be removed from this Discover loan as a co-signer. In XX/XX/XXXX, we borrowed {$26000.00} for my son 's tuition at the XXXX College. The balance now is higher than it was to begin with. The lender was XXXX. In XX/XX/XXXX or thereabouts Discover bought the loans. Having read about President Obama saying that parent co-signers can be removed from a loan, I contacted Discover and they told me that there had been delinquent payments so I could not be removed. I am not sure why I was underwritten for loans by ( formerly ) XXXX in the first place as I do n't make enough to even cover the payments on the XXXX student loans I cosigned. ( My family helped me pay XXXX off because I was so stressed. ) I can not afford these payments and still pay my mortgage, gas and food. Now I am getting collections letters from Discover. I had good credit before all this.
TD Bank goes out of their way to find creative ways to charge customers overdraft fees. I was at dinner on a Saturday and checked my app before paying a bill. The app showed a balance that was enough to cover the bill and I left a cash tip. I then made cash deposits to my account on the next day Sunday as my balance was running low. I wound up getting charged an overdraft fee days later because TD said that my balance after the dinner was negative ( again app doesn't show that ) because they went back and posted a gas charge that originally came through as {$1.00} and was finally submitted by the merchant as {$45.00}. I had the cash in the account well before the {$45.00} posted. I find this practice misleading as the available balance never went negative and yet I am charged on a back dated transaction even though the merchant didn't charge my card the {$45.00} until several days later. The dinner charge was on Saturday XX/XX/19 and posted on XX/XX/19. I have worked with other banks before and I know they do not charge an overdraft fee in this case. However, TD seems to do whatever they can to charge you. I tried escalating within TD and all I had were reps telling me that I didn't have enough available to cover the dinner essentially telling me I am lying or blind as I know what I saw. I told them I know what they are doing with the backdating of transactions which is misleading and deceptive.
I had just graduated college and started working making, like most college grads now adays, not enough to pay their federal and private loan payments. I called Navient to see if I could qualify for a lower monthly payment. When speaking to the lady she said based on my income, I should be able to make the payments. I explained I had medical bills, credit card bills ( debt I incurred paying for books for school ), car payment, rent, and so on, and also my federal loan, and her response was to quote, it sounds like you need to eat more peanut butter and jelly. Insane right!? So I got married last year, and student loan debt orang supposed to be transferred to your spouse right?, but when i spoke to Navient recently, they said because now Im married, my payments will now be more because it will be based on me and my husbands income. Now, tell me if Im only responsible for my loan, why are you looking at his income? I was told this is not right.
First of all, I owe more than what the vehicle is valued a difference of over {$12000.00}.   I was initially told that the fact I missed a payment in  XXXX  I was never caught up, which I have never been over 30 days late. I also did not miss a payment, I overpaid and the customer service representative stated that I did not have anything due till  XXXX . They also tend to make threatening phone calls, stating they will repo your vehicle even if you  are 1 or  2 days late and after they repo the vehicle they will also garnish your paycheck. They charge daily interest fees which was not included in the contract and they are also not willing to work with you on your payments, no matter what the situ ation may be. Unabl e to trade in the vehicle due to the value and loan amount still owed on the vehicle, which is literally the same amount of a new vehicle. With the extreme interest rates and finance charges and fees, one would never be able to pay off a vehicle with this company, you will literally be stuck. I do n't understand how this company is even in business or able to conduct business.   Please READ the contract before signing, especially if it 's AVID ACCEPTANCE!   They are worse than havin g a Student Loan!
This company calls me 20 times a day from different numbers throughout the ALL US States, NOT just CA. I was hospitalized and they were told not to call, yet continued to call daily. They record ALL conversations without notifying the caller, and in CA that is not legal. They call before XXXX, and after XXXX. This is all harassment and they do not care.
On XX/XX/2018, I sent the attached letter to VW Credit Inc. as a  formal dispute of erroneous information on my credit reports. I clearly outlined specific errant information on each trade line with official screenshots from XXXX, XXXX, and XXXX. The letter was sent via XXXX ( Tracking number XXXX ). I verified that the item was received. Additionally, I received a phone call from a VW Credit supervisor confirming receipt and asking to discuss the matter. VW Credit has had sufficient time to mark my account on each of my credit reports investigating my dispute, however this has not taken place - despite the clear evidence of outlined errant reporting and inaccuracy. I don't understand why they are not abiding by the FCRA by marking my accounts in dispute. I don't wish to discuss the matter over the phone and prefer all communication in writing to ensure I have a clear paper trail.
XXXX Hospital and many other hospitals in Kansas and probably elsewhere are ignoring the Obamacare Rules supposed to be enforced by IRS and in 501 ( r ) of the regulations. Only one provision of that section has any fine imposed. Many hospitals are ignoring the rest of the rules, and their cpa firms seem to be encouraging that practice. The debt in my case was sold to XXXX XXXX 's law firm in XXXX Kansas. This is all explained in a court motion I made in the collections case, and the Treasury article attached hereto. Also the law firm attempted to pad the judgment by approximately {$200.00}. The said I owed interest and etc amounting to over {$1000.00} and needed to pay that amount to avoid going to a hearing in aid of execution.. Later they could not substantiate that amount and were probably hoping I would n't notice. The could only account for less than {$900.00}. This also is explained in detail in the attached court motion.
I have a checking account and saving account with Chase. Chase customer service informed me that when my account is overdraft, i have until XXXX PT to deposit and cover the overdraft. 
When i opened my account with Chase they suggested i opened a savings accounts and checking account so i do n't have all money in XXXX account and connect them online so i can make the transfers accordingly. The bank will posted payment on my checking account and if i do n't have the money i have until XXXXXXXXPT to make the deposit. The reason that I have a savings account is to transfer money from this account and keep my checking account with a daily balance for security reasons. What they did n't say is that they overdraft your account at midnight saying that the payment went the day before but no payment was posted in your account so you do n't know until they charge you Usd XXXX for each overdraft. this has happened several times during last 12 months and the respond is the system made the payments at midnight. Last week they took usd XXXX on the same day, Usd XXXX for each transaction and in one year Usd XXXX. I spoke with an agent Friday XX/XX/2015 and explained that my account was n't overdraft at all the day before so how can they charge a customer for something that did n't know and did n't happen in my account. No explanation they only said that the system does this automatic. I expect that they refund all my overdraft fees and stop taking advantage of the customers. thank you for your assistance.
On the year of 2014 i was charge on a business account in us bank the account number was XXXX XXXX they overcharge me even do i have the fund on the account they said because some checks that i deposited where not free to cash out or something like that i found this unfear because they also send me before to XXXX i try to undestand but i couldnt
Americollect is trying to collect a debt that is passed the Wisconsin statute of limitations. They are also reporting into my credit agencies showing that I owe the entire balance and it is negatively impacting my score there may also be duplicates of the same account on my credit score. I think this is manipulative business practices and they should be investigated and prosecuted.
My wife and I were trying to get a home equity loan. I asked for your help earlier this year, case XXXX, and I have learned more about the problem. Earlier in our loan, XXXX went out of business and Chase took over our mortgage. The loan was never transferred. This info was taken from your investigation earlier : On XX/XX/XXXX, in order to allow a new lien release to be processed, our Legal Department asked to have an Assignment prepared to show the transfer from XXXX XXXX XXXX to JPMorgan Chase Bank , N.A . However, on XX/XX/XXXX, we received confirmation from the Lien Release Department that XXXX XXXX XXXX had closed in XX/XX/XXXX. Therefore, the Assignment can not be obtained. 
We need to get this fixed ASAP as we desperately need the loan. Could you help or give me some information? Thanks
On XXXX/XXXX/17 Grant & Weber XXXX XXXX threatened to damage my name and credit, then they falsely reported to the credit bureau damaging and attacking me and my wife 's credit even after I explain this was a derogatory account.
In 2009 I became XXXX and my wife 's company downsized. I had a checking account with WELLS FARGO. When we could not pay our debts, judgements were served against us by the superior court of XXXX County NJ. We were living on my social security XXXX check. on 2 occasions, WELLS FARGO at the request of the XXXX County sheriff, seized my account and took my XXXX funds. A first year law student knows that these funds are not able to be seized by commercial entities. I went to court and the sheriff returned there portion of the funds. WELLS FARGO refused, saying, " it is an administrative fee ''. the absconded with {$120.00} and {$100.00}. Following the latest developments of WELLS FARGO 'S criminal activity, I want my XXXX money returned. Thank you for your assistance.
An alarm company install an alarm system with out my permission, someone else sign the contract and it wasent me, i dont know if they sign with my name but since the house is on my name now the collection agency its telling me that am the one that has to pay the money owed wich exceds the {$3000.00}, before the account was sold to the collection agency my mom contact the alarm company and told them that the owener of the house never aprove or sign any contract for them to install the alarm system and they told her that I was the one that was supposed to call and tell them that because the house was on my name, wich is very weird because when they install the system they didnt care if i was there or not or if it was me the one that sign that contract ( wich it wasent me ). When i was talking to the debt collector he hang up on me before i finish talking. I also explain to him that I never sign any contract and he told me that i was responsible because the house is on my name. I ask him that how come when they went to install everything they didnt ask for an ID to verify that it was me and he said that that was not a requirement, than when they go to the houses and someone opens the door for them and give them permission to install the system they go ahead and do it but the ower of the house its responsible, wich i think its very dumb cuz how can i be responsible for something that i didnt aprove. I also explain him why I told my mom to contact the alarm company on my behalf because i work from XXXX to XXXX or later and its hard for me to make phone calls. I dont understan why when my mom call the alarm company to tell them that they need it to go and take all the equipment because i never aprove that, they told her that i was the one that was supposed to call not her because the account was on my name but when they went to install everything they didnt care if the owener of the house in this case me was there to aprove it.
On XX/XX/XXXX, XXXX XXXX XXXX responded to my complaint XXXX saying they would send a new gift card and also credit {$25.00} to 'your card '. I have not seen a replacement card or a credit to any of my cards.
I do not owe XXXX XXXX XXXX any money. Therefore I do not owe this IC collections company. We were NOT in a contract with XXXX for our Internet & TV we had switched to XXXX ( who is owned by XXXX anyway ) our service was terminated but XXXX kept billing us. We repeatedly tried to resolve this with XXXX. Now I find out they sold a debt I do n't even owe to a Collection agency.
Credit Management Control , INC. is reporting a debt that is older than 7 years and they are not reporting the proper amount owed to Equifax. 

I received a letter from your Credit Management Control, INC. on XXXX/XXXX/2016 about a debt. 

On page XXXX of the letter Credit Management Control sent me on XXXX/XXXX/2016, the top of the page lists the date when this account was established as XXXX/XXXX/XXXX. 

Credit Management Control 's letter states on page XXXX that {$11.00} is allegedly owed, the amount furnished on my Equifax credit report is {$12.00}. The original amount furnished to my credit report by Credit Management Control was {$200.00}, the total amount calculated by adding the self-balance on page XXXX of the letter is {$200.00}.
I have a second mortgage with Citimortgage. In XXXX 2017 I called Citimortgage and told them I lived in an area that had been impacted by Hurricane Erma and I was requesting help from Citimortgage while I got back on my feet financially. The customer assistance rep was polite and told me they would be happy to help and transferred me to the " help Line ''. I talked to a woman who identified herself as XXXX, when I explained my situation to her and the fact that my daughter was in pediatric intensive care with life threatening XXXX, she laughed and told me that my personal problems were not Citimortgages concern. She then began a long monolog about refinancing my mortgage and prequalifying and filling out required forms and I hung up. Since Citibank has me locked out of my account I have not been able to make a payment since XXXX. My current balance is about 3600.00 My monthly payment is XXXX. I do n't dare send them a check or money order. They do n't get credited to my account. I did not choose Citimortgage. My mortgage was sold to them. I have never gotten decent treatment from and have been charged late fees for payments that were not late. I can not provide proof because I can not access my Citimortgage account. Oh, my requested was not just whining. My daughter has been to the ER six times since XXXX and four of those trips resulted in extended hospital stays.
Got Chase Slate card and submitted balance transfer requestXX/XX/XXXX in the amount of {$13000.00}, money deducted from my account XX/XX/XXXX. I then called and confirmed it was successfully processed and they mailed out a check on XX/XX/XXXX.
2 weeks later, no check was received. I was concerned and i called again, they told me it takes anywhere from 14 to 21 business days. There 's nothing they could do. I had to wait. Then another week gone by, still nothing. I call again, same answer, i had to wait ... meanwhile my statement came out already and due onXX/XX/XXXX.
XX/XX/XXXX, finally 21 business days from time of request passed, i called them again. They told me the time frame started from time check was cut, which was XX/XX/XXXX. So wait till XX/XX/XXXX and see what happened.
Back and forth, no answer as to what happened. Then yesterday a manager i spoke to told me XXXX XXXX  rejected the payment and refunded my account electronically. The question is how would XXXX XXXX refund maker electronically when payment was never posted to the account? They have no records of such payment or transaction. The original payment was a paper check going to a local branch in XXXX with teller service. The branch does not have a way of electronically rejecting the payment. If they were to reject it or do n't know what to do with the check, they will mail the original check back to the sender.
Everything they told me contradict each other. One rep told me they are waiting for the check to be returned and another one told me it was electronically rejected or refunded by XXXX XXXX Very suspicious and they are definitely trying to hide something. They claimed the balance transfer is from credit card to credit card only, but their disclosures dont stay that. They try to use that against me and refuse to give me the money.
They did not credit me back until XX/XX/XXXX and i only saw that yesterday. But they adjusted the transaction date back to XX/XX/XXXX.
I suffer huge financial loss and emotional stress bec of this. I am awaiting for them to send me proof of everything.
Received a collection notice for an apartment that had major plumbing issues. I did what was required to be released from the lease XXXX month early. The manager told me to write a letter of my request due to the unsanitary health issues and now I have received this collection notice. I do not owe them any money, in fact they kept my deposit also.
I 've contacted this collection agency  Professional Collection Co. in writin g to provide me with documents supporting that I owe them {$760.00} for this debt in  XXXX  and you on  XXXX   XXXX  ,2017 and  have n't received any documents or feedback from the company but they falsely verified with the   XXXX   and   XXXX   that I owe the debt. According to FCRA by law they have to produce documents supporting their claim if I 'm disputing that this debt does n't belong to me. I have a right to validity of the debt and they have ignored my request. This is the second complaint and attempt to get a response from the company. I have n't received any information from original creditor neither upon request. My next step of action is looking into a lawsuit against this collection company and the  XXXX  credit agencies.
I am reported with experian as having used a different last name other than mine. I know nothing about this other last name and do n't understand why it is on their credit report.
I don't know why I owe this company money or who they are. I am not sure how much I owe them but they have sued me. They have taken my state income taxes, my husband 's state income taxes and are about to take my paychecks as well. I am very scared, my husband hates me now, I might be fired from my job. I am terribly embarrassed and no one at this company will even speak to me. I have never had an account with this company and have no idea how I owe them money. HELP.
XXXX XXXXXXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, GA XXXX has not reported my payments accurately for the month of XXXX 2017. The last reported balance is on XXXX-2017. The current balance is XXXX
I issued a check back in XX/XX/XXXX to my landlord in the amount of {$1800.00}, by which he reported losing the check. I in turn issued a new one to cover the lost check reported. 

Fast forward to XX/XX/XXXX, my landlord came into PNC bank and cashed a 4 year old check. I reported the check to the local XXXX PNC on XXXX XXXX and spoke to XXXX the Banker. He mentioned that this was a bank error ( teller error ) and that checks stale date after 180 days or six months, he would get back to me in the coming days. 

Three days later I had to call him back and he said their fraud department denied my claim. 
I feel that I was lied to and misrepresented by this banker.
I have written to all XXXX credit report agencies and to XXXX XXXX over 90 days ago regarding a credit card issued by them that is currently been reported on my credit report. I am still waiting to get a respond from them. I need this to be removed from my report because of the negative impact it is having on my report. In my letter to XXXX I asked them to provide me with a proof that I open this account. I have not receive a respond from them. I need this item to be removed from my report.
I RECENTLY SEEN A COPY OF MY REPORT AND WAS IN DISBELIEF WHEN I SEEN THE COMPANY BELOW REPORTING LATE PAYMENTS. I HAVE NEVER HAD ANY LATE NOR MISSED PAYMENTS WITH THIS COMPANY. I DONT KNOW HOW THIS HAPPENED. 

CREDITOR : XXXX XXXX XXXX ACCOUNT # XXXX I WAS NEVER LATE IN THE MONTHS OFXX/XX/XXXX ANDXX/XX/XXXX. THIS HAS TO BE SOME MISTAKE ON THE COMPANY BEHALF. I HAVE ALWAYS MADE MY PAYMENTS ON TIME.
I was trying get a free annualcredit repor from equifax, and it dennied my request because when it got to the security question portion, it indicated a mortgage loan which I definately never had.