WillisBack/dataset-financial-user-claim huggingface dataset:
Repeated phone calls from XXXX and continues at least twenty times that after throughout the rest of the day. Kills my phine battery, takes up my time and is annoying and is irritating me know. When I answer it gives me a message with a phone number to call back. Then receive a debt letter from XXXX XXXX, XXXX with a side note stating, " tax time is a great time to put issues like this behind you. Consider using any possible tax refund you may receive to satisfy your outstanding obligation. '' Regardless this should never been a collection account because the dealership never refunded this amount like they should have.
On XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX VIN XXXX from XXXX at XXXX XXXX XXXX, in XXXX Virginia. The Buyers Order and vehicle indicated that the vehicle had XXXX miles. When I tried to check its value for trade-in at XXXX, they provided a XXXX that listed a mileage discrepancy and placed the actual mileage at over XXXX thousands miles. The dealership advertises as a XXXX XXXX member. I was provided an AutoCheck history that did not reveal the mileage problem. Based on the XXXX the vehicle has a - {$280.00} ( NEGATIVE ) value. The vehicle was financed with NFCU FOR {$12000.00}. I think that the dealership knowingly misrepresented the mileage in the transaction as they had access to the XXXX documents. They submitted the false information to NFCU for a loan.
In XX/XX/XXXX I filed for bankruptcy, in XXXX I successfully renegotiated my mortgage so to not lose my house. The renegotiated mortgage after a seven year period reverted to the original terms. Taking my interest rate to 6.5 % on my first and 5.14 % on my second, effectively almost doubling my mortgage payments. I have contacted Wells Fargo on a number of occasions to try and do something about the interest rate and payments and am continually told I do not qualify for any program. I have now used up any and all savings making these payments, I submitted all the documentation I thought WF needed because they say due to the bankruptcy they can not request anything from me and again am told I do not qualify for any program and they refuse to tell me why
Through gross negligence regarding basic computer security standards, Equifax managed to reveal my personal information to hackers and potential malicious actors. Not only did it take them over a month to detect the breach on their own, it also took them a long time ( months ) to report the problem to the public. They have acted irresponsibly in informing the public, as I had to hear about the breach on the news rather than being informed by Equifax.
I received a letter from Bank of America on XXXX/XXXX/2016 that my account was being closed due to " a careful review of your banking relationship ''. The letter had a number on it that was not listed on Bank of America 's website. I called their customer service and asked if the letter was real and if my account was being closed and they said that no it was not and everything was fine. So I dropped the matter and did not think about it until on XXXX/XXXX/2016 I got a low balance below {$25.00} email from Bank of America. I tried to log into my account online and it denied me access saying " Their is no open account registered with this Username and Password ''. So i called customer service and a lady answer and said let me pull up your account. Then 5 seconds later said let me transfer you. She transferred me to a voice mail service where i could leave a message and someone would return my call. At this point I hung up and waited for the next day when I went to a branch to speak to someone. My mother who is also on the account went to the branch at " XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, MD XXXX '' and asked to speak to someone and the branch manger walked me over to someone who pulled up my account and said, " I ca n't talk to you '' and gave her a the number XXXX to call. I called the number where again i was sent to a voicemail system again. This time I left a message and gave my name, phone number and account number. I did not receive a phone call until I was at work on XXXX/XXXX/2016 and they left me a voice mail and said to call back at the same number that sends you to voice mail. I left another message and finally some one called me back later on XXXX/XXXX/2016. He said that my account was being closed. I explained how the customer service said my account was not being closed after receiving the letter and he said, " We sent you a letter ''. Then he said that the money in the account would be mailed in the next couple of days and i would have to wait for the check. I have to wait and hope they send me my money from my account at this point since no one will talk to me at Bank of America.
I call leave messages and do not receive call backs. The last time I spoke to the girl that is assigned to my account, she got rude since I had explained to the girl who answered that I was n't getting call backs. The next time I called, I got her answering machine, I just left a message with my banking information so that I could at least make a payment. The payment was never debted from my account nor did I receive a call about it. I also had a phone number of a gentleman who works there that I also left XXXX messages with hoping he could help me, never received a call back. Needless to say, I do not know whats going on, can not get anyone to call me back and Do Not want to lose my house. As a co-worker explained, the banks do this to make more interest off the customers.
I received an alert from Credit report monitoring service that negative information was posted to my credit report by I.C. System. I did not know what it was about so I contacted the collection agency. They said that they sent XXXX letters regarding the debt from Medical Doctor office and have not received any response from me so they have posted debt to my credit report. 

I have not received bills either from that doctor office or from I.C Systems. The bill was from XXXX XXXX when I was admitted to hospital with emergency child delivery and I paid hospital in full. I had no knowledge of bill coming from other doctor office. 
When I called I.C systems they kept saying that I was supplied the bills and have ignored them. I always pay bill on time, never had debt reported and I clearly was not aware of this. 

I followed up directly with Doctor office and they advised to deal with I.C XXXX. They said that letters were sent and returned by Post office as they were missing apartment number. They did have my phone on file but have not contacted me to notify about the bill. I am yet to file a complaint regarding this doctor 's office practices. 

I decided to pay I.C System in full ( {$300.00} ) as they now had my debt and I needed it removed from credit report. I made a payment in full on Monday, XXXX XXXX, XXXX. They said they will send update to credit report the following week. 

On XXXX XXXX I received a letter in the mail from IC Systems dated XXXX XXXX, XXXX that looked like initial letter from this company. It notifies me that they would like to collect a debt from Doctor office and would like to make payment arrangements. They even offered to use tax refund ( if there is one ) to cover this bill. There was no mention that they have already reported this to Credit Bureau. 

I believe the I.C System did not follow procedures. They reported debt to Credit Bureau before sending request for payment to me. I would have paid the debt and I do n't need to have it reported. In fact, I would have paid it to the doctor office if they did n't fail to contact me. Instead the lady from I.C System was rude and kept saying that I was delivered XXXX letters from them and previously from doctor, that was not the case. The 1st letter I received was the above mentioned.
I recently opened an XXXX  checking account and linked XXXX  consumer credit card with HSBC NA in XX/XX/2018. After making several charges on the card, any further transactions were declined as of XX/XX/2018. Since then, I have not been able to use the card OR access my online checking account. I have called repeatedly to HSBC and have been transferred to the security team ( XXXX ). This line simply puts me on hold for 2 hours and then disconnects the call EVERY SINGLE TIME with no one picking up. I have been calling every single weekday since XXXX, starting at XXXX EST, which is the opening time. I have NEVER had my call answered despite repeating this an average of 3 times a day. After being on hold for 2 hours, the line disconnects. If I try to call by the end of the day, I am placed on hold and then disconnected as of XXXX EST. Whenever I talk to anyone else at HSBC, they state that no one else can fix my problem and that is the only department that is authorized to handle this issue. They refuse to help and state that there is no supervisor, managing office, or alternate means of contact to resolve my issue. I am basically cut off completely from my checking deposits and credit card use. I have tried multiple other phone lines and twitter help. I have not had anyone attempt to call, e-mail, or text me for verifying fraud on my account, as is listed on the HSBC website. This is simply unacceptable!
I put a credit freeze on my Equifax credit information yesterday as well as the other two bureaus and was charged {$10.00} for both XXXX and XXXX freezes. The Equifax website confirmed that I was impacted by their breach. I should not have to pay for their poor data hygiene. I spent 30 minutes doing this.
A fraudulent bank account was opened in my name at an address that has never been associated with me. I have previously filed a complaint with the CFPB and was informed by Fifth Third Bank that this had been resolved XX/XX/2014, as they confirmed it was a fraudulent account. Upon going through a recent refinance, I have found out that their {$200.00} collection account with XXXX still appears on my credit report. This has affected my credit score by showing an open collection account that is completely inaccurate. I have jumped through hoops just to prove their mistake and inaccuracy and should not have to go through this again. Please help, as this is now creating undeserved stress on me. 
Thank you.
I was told that I could not apply to have a private student discharged due to XXXX. I am a service connected XXXX  veteran. All of my student loans were discharged because of my XXXX  except the one " private '' loan.
Based on information, belief, and observance, my Discover Card account was opened using a line of credit from my corporate affiliation with my investment company. I open a Discover Card account on or about XXXX XXXX. I later added an authorized user to the account. Subsequently, extra cards began to be ordered under the authorized users name without my knowledge/permission or the authorized users knowledge/permission in about XXXX XXXX. Discover markets its cardholders are never liable for unauthorized charges on the card. However, Discover misled me about the status of the disputed charges I reported when I made Discover aware of the additional cards and charges on the account. Instead of closing the card under fraud, Discover left the card open until XXXX XXXX. During this 2 year time span, disputed charges reappeared on the account along with new charges while other accounts numbers were also open. I have determined the charges in dispute amount to {$810.00} which discover refuses to credit to my account as a result of the fraud. It appears a line of credit for my company was opened similar to my XXXX XXXX account which I learned had XXXX extra cards despite me being the only authorized user of the account. In the alternative, I believe Discover employees or third party contractors opened an account in the authorized users name when the user was added to the account and began making charges which posted to the account and charges which were not viewable online or on statements. I have had to make complaints of mail tampering as a result of Discover not maintaining my updated mailing address. Based on information, belief, and observance XXXX XXXX XXXX is an agent for XXXX XXXX XXXX who may be of some relation.
Merchants Credit continues to report  XXXX  paid medical accounts that were the result of a billing error despite my written letters and being notified in writing by original creditor (  XXXX   XXXX   XXXX  ) that these accounts are paid and resolved.   XXXX   and  XXXX  even come back with accounts " verified '' when disputed. These accounts severely impact my credit and are causing more hardship.
There is a collections through Jefferson Capital Systems in my credit report account # XXXX from XXXX XXXX. I have tried disputed through the credit bureaus that it is not mine but have had no success. I called the company and they stated I lived at an address I have never heard of and a cell number I have never heard of as well. I told them it was not my debt and I wanted it off my credit report.
On XX/XX/2015 I made a withdrawal from a XXXX XXXX  ATM in XXXX XXXX XXXX XXXX, XXXX. I withdrew XXXX VND using my Chase Bank debit card which at the time was equivalent to {$95.00} USD. After checking the withdrawal amount out of my Chase checking account I saw that Chase had debited my account well over {$200.00} USD. I immediately contacted the XXXX XXXX  and they were very helpful and sent me a receipt of the ATM transaction. I filed an investigation with Chase Bank and was told the only option that I had was to cancel my debit card which was impossible for me to do at the time. They told me that I would not be receiving a refund for the correct amount. I advised them that I had a receipt of the transaction and I believe I was told they didn't even want to see it. I believe that Chase bank made a gross error in the exchange rate as the amount I was debited compared to the amount received from the ATM. In fact, the amount debited was not even possible to be requested by the ATM as it would have been over the limit for that ATM withdrawal.
I have contacted Equifax and XXXX XXXX XXXX to remove an installment account from XXXX from my Equifax credit report. Equifax removed the incorrect item on XXXX XXXX, 2015 however placed the erroneous information back on my credit report XXXX 2015. XXXX did not probe that the debt belonged to me, so it was removed. Equifax told me that they can not remove XXXX because it was disputed before. I am requesting for Equifax to remove XXXX since no evidence has been give to prove the debt is owed by XXXX XXXX.
Received a XXXX XXXX in the mail that I did not appy for. When I called the number, its asks for my full social security number. Seems like a scam.
Had gotten aprrove for another loan on Saturday.. representative never called me back to finish the process.. went on line and it said I was approved but never received it. Call today to see what was going on and I was on hol d 20 m ins and more the 3 times I called. When I call back th e 4th tim e the lady knew who I was before I even said  hello..At  this time I 'm frustrated due to the improper customer service I ask her anyway I could cancel it and she rudely said we will have someone handle it and hung up
I 've already submitted a complaint letter and received response on XXXX. American Express stated that we are working to resolve this matter and will notify you via separate communication. However, I have n't received any updates yet. This is my XXXX contacts to resolve this issue. 
Please credit the XXXX XXXX as advertised by your employee XXXX, ID number XXXX. 

Here is the information for you to look up my previous information. 

CFPB XXXX No : XXXX XXXX XXXX : XXXX
I just paid a large portion of my, R'US ' Mastercard from Toys r us and Babies r us, credit card off, to under XXXX % usage when the credit card company decided to lower my credit limit and then immediately reported it to the credit bureaus so that it looks as though I am using XXXX % of my available credit when it was below XXXX %. On top of that, I paid XXXX on my card and they lowered it from XXXX to XXXX leaving XXXX dollars available and they did it based on false information that is being corrected and fixed on my credit accounts that I was unaware of. How am I supposed to get wrong information corrected on my credit when I am not informed that it was added to begin with! 
They wanted to use my debt to usage ratio as one reason when they are not even reporting their balances correctly? They also wanted to use my history of accounts as a reason when I can not control my history of what is being reported. How is this my fault or my responsibility to control when I can not? This hurts my credit and takes far longer to recover. It affects how much my interest rates are and costs me money.
I had a business account open with PNC bank. An insurance company that I had cancelled almost a month prior took out a large unauthorized payment. Other payments came out as well but there wasn ; : t enough money in the account to cover them. I went into the bank and explained what was going on. I also asked the banker why didn ; : t they pull from my other 2 accounts connected to the overdrawn account there was enough money in those accounts to cover the other payments. I was told the account wasn't setup like that so they couldn't do it. At that time I asked that a hold be placed on the account because I was getting additional bank fees daily it wasn't done. On XX/XX/2018 {$780.00} was removed from one of the other accounts to cover bank fees of the overdrafted account ( I was told they couldn't do that ). I called into customer service and was told i had to go to a branch. I went to a branch and there saying theres nothing they can do. PNC paid none of the merchants that attempted to debit my account but what they did do was run up an outrageous overdraft bill and then broke their own rules to pay them selves thats theft. I didn't give them permission to take that money.
in 2009 in Nevada someone opened up a XXXX Phone in my name, I called XXXX and tried to reason with them, they wanted me to pay over {$800.00} to clear my name. It was to be taken off after it aged out in XXXX..A new collection shows up for XXXX collections in another name ..This is a Debt I have been battling for 7 years and it keeps rising.it is now XXXX $
Capital One has been soliciting me by mail on a regular basis ( at least 5 or 6 times ) to apply for their Venture credit card. I am about to build an addition to a home & will be spending a lot of money so I applied for the Capital One Venture One card which has a LOT of 'Bonus Points ' included when you spend a certain amount within a few months.
I certainly would do this in order to GET those Bonus Points.
I know my credit score is very high (  XXXX  ) and I owe very little money. I could afford to pay it all off if I chose to do so.
I believe they denied me this special card because I am a Retired Person, not working.
They could n't possibly have denied me based on my Credit.
I am under the impression that if a bank offers a credit card to some people with certain criteria, they must afford that card to ANYONE meeting the same criteria. I resent this denial and still would like that particular card.
Dear Sir/Mdm, XX/XX/XXXX, I submitted my complaint against Paypower ( case number : XXXX ). 
On XXXX/XXXX/2015, the company replied through your agency stating " Blackhawk will need XXXX XXXX to send in proof of identity ( state issued ID ) and a copy of a utility bill proving an accurate address. Once we receive this information, Blackhawk will issue a full refund check to XXXX XXXX at the address he confirms with his utility bill. Further, as a courtesy, Blackhawk will also credit the current monthly maintenance fee that has been assessed. " However, after sending all the documents, the company still illegally hold my money in spite of my numerous requests. The below is my XXXX/XXXX/2015 email to the contact person which the company asked me to contact. 
XXXXXXXX XXXX , This is my Fourth email in two weeks asking for refund. I have not got any reply and it seems that you completely ignored my requests. 
If you feel this is not the situation, please reply and let me know. If it does, I have to acknowledge that you have no refund intention and I need to move forward. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXXI think this company is a scam. Please help. 
Sincerely, XXXX XXXX
Dear Sirs, Mon. XXXX XXXX 2016 at XXXX Attached copies of American Express indicated I authorised XXXX XXXX to charge the subscription fees of {$99.00} on XXXX XXXX 2016. On XXXX/XXXX/2016 XXXX refunded this {$99.00} on receipt of my dispute. 
But on the same date of XXXX/XXXX/2016 XXXX charged me again without my authorization this {$99.00} it had refunded me and American Express honored this unauthorized charge of {$99.00} and paid XXXX XXXX. 
The proof I have produced here with is more than enough and disqualify both American Express and XXXX XXXX to question me or argue further in this matter. I would therefore demand both Amex and XXXX agree to correct their oversight error they both have committed on their parts and refund my {$99.00} immediately.. 
Should I fail to receive the refund of {$99.00} within 7 days from today, I will bring this matter to the attention of appropriate authorities. 
Yours truly.
Several months back I signed up for Transunion 's credit monitoring subscription on their phone app for {$1.00} to work on improving my  XXXX  score. The following month I noticed the charges of {$19.00} in my bank statement. Unfortunately, being  XXXX   XXXX , I put off calling Transunion to cancel the subscription due to   XXXX   XXXX  . Then when I checked my bank statement for the month of  XXXX  I noticed that Transunion began charging me {$24.00} without informing me. I also noticed that not only did the  XXXX  charge of {$24.00} post to my account on  XXXX , but  XXXX  more charges of {$24.00} being processed on  XXXX . I immediately called Transunion to cancel the subscription and demand a refund. They informed me that my subscription would end  XXXX  and that only  XXXX  of the charges would be refunded within  24 h ours. This Transunion employee attempted to keep my patronage by offering reduced subscription fees as well as a month free. I respectfully declined.  48  hours later and no refund posted, I called Transunion back to find out why I have n't received my money back. The Transunion employee thanked me for informing them of the accounting glitch and that a refund would take up to 30 days. I then came across the article regarding the CFPB 's investigation of the  XXXX  credit bureaus and their predatory practices and fraudulent charges. I would also like to point out that at no point did Transunion offer me my free annual credit report. I Then decided to call the CFPB to submit a complaint. After a brief automated answering system, I was immediately put through to a woman named  XXXX  who directed me to this website as well as the process. And here we are ...
On XX/XX/XXXX I submitted a complaint with this company due to previous disputes about a inaccurate dismissed bankruptcy reported on my credit report with XXXX XXXX and LexisNexis in the amount of {$0.00}, which dates disputed with XXXX were XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and XXXX were XX/XX/XXXX and LexisNexis. As of XX/XX/XXXXthe new law stated that all new judgements and liens will not go on credit reports unless they have identifiable information. Credit bureaus should begin to remove previous judgements and etc. that do not meet the new standards. XXXX XXXX and LexisNexis failed to remove the bankruptcy off of my credit report in a timely manner. XXXX advised that it were investigated and came back that the Arkansas bankruptcy court verified the information which is a violation of the fair credit reporting act. I never heard a response back from XXXX and LexisNexis never replied with their dispute. I have listed documentation from the US Bankruptcy court that they do not report information to credit bureaus. XXXX followed the new law and removed such items from my credit report immediately.