WillisBack/dataset-financial-user-claim huggingface dataset:
my complaint is with RushCard. There was unauthorized charges from  XXXX   XXXX   XXXX / XXXX / 17  {$150.00}  XXXX / XXXX /   17  {$2.00}  XXXX  {$60.00} All   XXXX    charges were not authorized I started the dispute on  XXXX / XXXX / 17  when I first saw the charges, after I called  XXXX   XXXX  and it was unresolved. I filled out all the required paperwork that  Rush  representatives told me I had to fill out and sent them back via fax Since that time I spoke to several representatives but the last one yesterday was  XXXX . I advised him that  XXXX   XXXX  resolved the issue and credited back the card gave them statements that were provided to me by  XXXX   XXXX . On  XXXX   XXXX  they refunded the debit card then  XXXX / XXXX / 17  {$60.00} was refunded. Since that time no money was actually refunded to me by Rush. I received letters stating to try to resolve issue with merchant which I have but rush is holding money now for over the initial 30 days they told me it would take. Everyone told me that I cant speak to the actual department of disputes and that I just had to wait. Wait until  XXXX  which is not right since the merchant has refunded the charges I just need it to be done on the Rushcard side I have asked for phone calls back and received nothing
I 've disputed and fought with fedloan servicing over the reporting of my accounts for the last 6 months and their record keeping and responses have been nothing but shameful. It makes me sick to think that they are in charge of so many consumers debts because they ca n't get mine right nor can they even respond with the appropriate accounts with the correct date opened etc. It 's truly a disgrace. I have disputed XXXX particular accounts with Fedloan Servicing and their first response to my XXXX page dispute sent Priority Mail was all of XXXX sentence long and just simply stated they could n't report any corrections before my credit report was reporting accurate information. How is it that I spent hours typing up this dispute and they spent {$20.00} to mail it and make sure it was received to receive a pregenerated generic response. I spent hours on the phone with customer service, I spoke to managers, and noone could understand what was going on with my loans. I sent a second letter disputing the XXXX accounts and sent my mail certified and received a response that did help me to understand the reasoning behind their decision, however, they listed XXXX accounts opened in XXXX of XXXX and only XXXX opened in XXXX of XXXX. The XXXX accounts I was disputing were both opened in XXXX of XXXX so truly their response still did n't answer my dispute/complaint in regards to the XXXX accounts opened in XXXX of XXXX. NOWWWW after reviewing my XXXX credit file, suddenly there are no longer XXXX derogatory accounts XXXX opened in XXXX of XXXX and XXXX opened in XXXX of XXXX but now as of XXXX there are XXXX derogatory accounts including a new one supposedly opened in XXXX of XXXX. Never did I have a student loan in XXXX of XXXX and I 'm confused as to where this even came from. Now I 've got to spend hours of my time to complain and tell this story and try and get a response from them that actually makes sense. Nowhere on the national student loan database nor on the Fedloan Servicing website do I show any loan opened in XXXX of XXXX. This has been an absolute nightmare and I 've put at minimum 40 hours into researching and trying to make sense of what Fedloan servicing has done with my student loans that are now preventing me from getting a home. Please see the attached documentation and try and make sense of their insanity. There were only XXXX derogatory Student Loans with them in XXXX reporting to XXXX and as soon as I start disputing and trying to make sense of their insanity, they then go and throw an extra loan with the same derogatory account history as the accounts I 've been trying to dispute. This has got to be illegal and I will not stop fighting until my credit report is correct. After 6 months and a multitude of letters being sent, this should not be an issue I 'm still having to deal with.
My account went unpaid with XXXX ( XXXX financing XXXX card ) and it was sent to a debt collection agency called ERC. 
I agreed to settle the account with ERC For {$710.00} with reference number XXXX. I received the agreement from ERC saying that the account has been settled on XX/XX/2017. However the account still shows unpaid and unsettled on my credit report. Upon calling ERC I was told that this account has been transferred back to XXXX.
first call from midland credit management was on XXXX/XXXX/XXXX, which I thought was a little strange. My phone service is XXXX which is XXXX. I get a lot of spam calls, so I downloaded a program on my computer called " XXXX '' which my phone only rings once and stops ringing. I have checked my credit report from XXXX and there is nothing negative on it except for the bankruptcy in XXXX. 
I have filed a complaint with the XXXX against Midland and threaten to report them to the nys attorney generals office. Back in XXXX midland credit was sued by the XXXX. The company was sued for XXXX dollars and more than XXXX improperly obtained judgements were vacated. I have never received any written information from them of who I owe and how much I owe. I am current with all my bills.
XXXX XXXX, XXXX cbna/thd company made a hard inquiry to my account. this was unsolicited and not authorized
I recently, requested copies of my credit files. From all three credit bureaus, XXXX, XXXX XXXX, and XXXX. Once received I reviewed all three reports and there were accounts on my that I had no knowledge. And several that were from collections agencies. So i was advised to file disputes of the accounts in attempts to get the inaccurate, and darogatory information deleted. After, a couple of disputes I got information from the major three credit bureaus. Stating that the information reported was reported by the collections agencies. Was correct, in my dispute I detailed that I needed detailed information. Such as my signature on original contract, loan numbers, year account was opened etc. None, of this information was provided on the information that was placed on such as accounts, amount owed on the accounts, and re-aged dates on accounts. I am needing help in the process of getting the accurate information concerning these accounts. I have also ben advised by all three credit bureaus they would not re-investigate any of my disputes. Unless, I could provide further information on the accounts. I don't have any further information accounts, not aware of accounts. I have requested information by sending a letter of validation of debt, original account signature of credit, original date when account was opened.To all three credit bureaus, notating that a copy of the letters would be sent alone with a complaint filed to the Consumer Financial Protection Bureaus. It is my intention to get down to bottom of these daragotory accounts and get them removed from my account..
I felt overwhelmed with the process from the start and asked all parties to also include my fiance and gave them permission to speak to him about my loan as he is from Mississippi and I am not. I am a single XXXX XXXX female with excellent credit, and I have never been late on my past mortgage. I retired from the XXXX XXXX XXXX after 30 years of service at XXXX years old. I paid my mortgage on time for the past 16 years, Now I am planning to get married and purchase a place in the south. My realtor suggested that I use Bancorp South, I figured they were a local bank therefore there should be no problem. We researched different loans and wanted to go USDA RD as they have other programs that we are interested in. I looked at the USDA website and found that Bancorp South was a preferred lender. At this time We feel that Bancorp south has dragged this loan process out, and have not treated me fair. <P/>
On XX/XX/XXXX I applied for a Mortgage with Bancorp South, I wanted to do a USDA RD loan because I am purchasing 27 acres with a 3bd/2ba home to an rural area and USDA is 100 % financing. I submitted my documents as normal, I was told that I would need a significant down payment because of my DTI ratio for an FHA, so I decided to use part of my deferred compensation to payoff my current home on XX/XX/XXXX.
I did everything that was asked, I sent given the seller {$1000.00} in Earnest money, the bank wanted a copy of the cleared check and the account statement that showed it cleared, I sent that. I was asked to complete a payment form with a credit card to pay for a {$470.00} appraisal, I paid for my appraisal on XX/XX/XXXX to Bancorp South. Then the loan officer started to ask for the same documents over again, I sent them in again. I sent in my mortgage payoff letter from XXXX XXXX, and the bank account statement showing the cleared paid mortgage and on XX/XX/XXXX I received a call from Bancorp South wanting to do a 3 way call with XXXX XXXX to ask if the mortgage was paid off and there were no late payments, the Bancorp south person asked the XXXX rep., the questions. Today someone has contacted my realtor to verify that she is whom she states she is, Why, I am the person buying the house. I feel like the bank is stalling on underwriting my loan, there is no reason it has taken this long I am due to close tomorrow and the loan is not in UW still. The bank always calls after normal work hours, when I am home and available all day to submit whatever they need immediately. I wonder would a male white would go through this if the situation was different.
3 Accounts have been opened in my name due to Identity theft. I have an alert placed on my credit file. I was sent an alert email when an inquiry was placed on my credit. I have contacted the company XXXX and the 2 accounts were closed immediately as well as an account with XXXX XXXX XXXX. I have also filed a police report. 

The accounts are in good standing and they report closed on my credit report however, Transunion has not removed the fraudulent accounts. 

I am requesting the 3 accounts be removed & an unknown/in authorized inquiry from XXXX XXXX on XX/XX/2018 XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX XXXX 's ATM card was stolen and a fraudulent check was deposited via mobile banking and withdrawn via ATM by the thief. When Santander Bank recognized the check was fraudulent, the funds were removed from XXXX XXXX 's account, resulting in a negative balance. When XXXX XXXX went to the bank to ask for help and ask why her account was negative, Santander insisted she pay the negative balance, even though a thief was using her account for fraudulent activity.
On XX/XX/2018 I contacted Equifax at XXXX about a error shown on my credit report confirmation # XXXX, the disputed item is not currently reporting on the Equifax credit file : Company Name : XXXX XXXX  Account Number XXXX 2. The disputed item is not currently reporting on the Equifax credit file : Company Name : XXXX XXXX XXXX : Account Number XXXX 3. The disputed item is not currently reporting on the Equifax credit file. Company Name : XXXX Account Number : XXXX 4.The disputed item is not currently reporting on the Equifax credit file : XXXX XXXX. 
I talked to a lady from Equifax by the name of XXXX she refuse to listen to me about the error on my credit report and Stated to me 1st of  all I am not your baby girl! I then told her i was telling that to my grand daughter i just got off the school bus then asked her did she wan na carry on with the items in error that i am called about she pulsed ( then she hung up on me in the middle of trying to solve a issue with my credit report ). A hour later i was transferred back to the supervisor XXXX who hung up on me she stated to me that the phone call was dropped or lost i said to her that is not true you hung up on me and that is against the law according to the FRCA and CFPB she then asked me if i would like her supervisor i said no i would like to carry on from where we left off, without hesitation she transferred me to her supervisor XXXX Employee # XXXX, XXXX investigated the error and stated to me he see the error but don't know what happened he said to me all he can do is re-open another investigation i told him no i refuse the item should be removed at once the XXXX accounts as well as the XXXX XXXX account due to a error Equifax made, he told me he don't have the authority to remove the error all he can do is re-open a new investigation, once again i told him no I want these accounts removed at once, so he transferred me to his manager, I waited on hold 4-6 min and got a voicemail telling me he will call me within 24 hours i left a massage to a manager voice mail in another country.
I have a Citibank account. I paid my Best Buy Account of {$58.00}. Today, Best Buy, which is part of Citibank, went into my account and took {$250.00} without my authorization. I have been making regular payments on this account, and today they decide to take an additional {$250.00}. Citibank said there is nothing they can do and Best Buy is saying the same. What rights do we have when it comes to our bank accounts? How can I get my money back?
This judgment is from XX/XX/XXXX. I wasn't aware of this collection action until XX/XX/XXXX. Company garnished my wages through XXXX  county and I filed for an exemption for {$20.00} a check. This was approved. They then filed another judgement for the same case number in a different county for 25 %. This is against the law. Not only is this judgement from XX/XX/XXXXand I wasn't even aware of it. I was never served or anything. But they were garnishing me for more than 25 %. Now they want me to pay them directly {$80.00} a month so the sheriffs department doesn't collect fees and they get more money. Please help.
The following is a list of hard inquires on my XXXX credit report I do not recognize nor did I authorize. Please remove these inquiries from my credit report as soon as possible XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX Thank you
Diversified Consultants, Inc. had a derogatory account on my credit report for an account belonging to XXXX. I am a victim of identity theft, I've already disputed the validity of this account and it has been removed from my credit profile twice. I recently moved and now I am once again starting to receive harassment via telephone and now U.S. mail regarding a debt that is not mine. Furthermore I have NEVER done business with Diversified Consultants therefore they have no right to contact me or harass me for a debt that is not even owed to them. The account number on the notice is XXXX and agency reference number is XXXX. The amount Diversified Consultants is threatening to damage my credit over is {$220.00}. Again, I have no business with Diversified Consultants, never have and I do not owe a debt to them or XXXX. I would like for them to discontinue contacting me and to leave my credit profile unbothered.
Hello, I am writing this dispute in reguards to a credit report on a XXXX XXXX Account. On XX/XX/XXXX I wrote to all 3 credit reporting agencies on a problem about this account. Now within 30 days I get back that all 2 stated that the loan was verified but 2 stated that everything was correct and verified which were TransUnion and XXXX. Now XXXX  states as of XX/XX/XXXX there was no data to be reported but Transunion stated there was 120 days late reported on my report. Now between these two reporting agencies there is a mix of information but nothing correct. XXXX  wrote back removing that account because they could not verify the account but the other two stated it was verified. I wrote XXXX XXXX about this matter and ask them to provide proof of said account. Well the time they said has come and go and I also wrote them another letter with no response. The more I piece this all together is that XXXX   and Transunion did not verify the account as they claim. I demand to see Verifiable proof ( an original Consumer Contract with my signature on it ) you have on file of the account in question. Your failure to positively verifiy this account has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me verifiable proof, you must remove the account.
I requested from "  XXXX   XXXX  '' numerous times for reinstatement so I could issue a cashier check to reinstating my loan. It 's my belief that  XXXX   XXXX  purposely abandon their policy. On  XX/X/2016    at  XXXX   XXXX  fo r 20 min/ 47sec I  spoke with  XXXX   XXXX   a  employee with  XXXX   XXXX  she was baffled and in shocked as to why I was not issued an reinstatement letter. She reordered the reinstatement letter  ( this m akes my fourth request ) which was cancelled for a second time.   XXXX   also confirmed the following  : 1.  On  XXXX   XXXX  I ordered a pa yoff 2.  On  XXXX   XXXX ,  2016 I re quested a reinstatement stateme nt 3.  On  XXXX   XXXX ,    2016 I sp oke with  XXXX   XXXX  and in his notes I re-ordered a reinstatement statement but it was never order.   4. On  XXXX   XXXX ,    2016 I p aid  XXXX  as of  XXXX   XXXX ,  2016 a  partial payment ( unapplied ) {$7100.00} was in SUSPENSE Currently I owed {$5900.0 0} 5.  On  XXXX   XXXX  , 2016 I s poke with  XXXX   XXXX  she was highly perplexed as to why I did not received a reinstatement statement ( prior to making a payment, stating its their policy that a reinstatement statement must go out to the borrower to assure the borrower of the reinstatement balance owed.    6.  She confirmed on  XXXX   XXXX  , 2016     XXXX   XXXX  deleted the reinstatement request.    7.   XXXX   XXXX  re-ordered the reinstatement statement and schedules a follow up call on  XXXX  at  XXXX . Unfortunately we have not spoken again.     I was charged  XXXX  late fees  XXXX  for  XXXX     2016 a nd  XXXX     2016.     XXXX   XXXX  claim I owed over {$6000.00} in fees that carried over from  XX/XX/XXXX   XXXX   XXXX . Untrue.   They have submitted to the credit bureaus that I have been 60 days late, for  XXXX  &  XXXX     2016.
Purchased a home and closed on XX/XX/XXXX. Academy Mortgage was our lender. I received our first mortgage statement ( will attach image ) in late XXXX, with a due date of XX/XX/XXXX. I detached the payment coupon from the statement and mailed it to the address provided on the statement which was Academy Mortgage, XXXX XXXX XXXX XXXX, XXXX, UT XXXX. Included with the payment coupon was a personal check, number XXXX from our joint bank account, XXXX and XXXX XXXX, made out in the amount of {$3000.00}, with the account number provided on the mortgage statement, account number XXXX ( will attach images of cashed check ). The payment was mailed from our residence in Oklahoma on XX/XX/XXXX. On XXXX XXXX, I received a second statement from Academy Mortgage, now listing a different account number ( XXXX ) and a different payment address ( when I called I was told that the change was due the loan now being serviced by XXXX ). I was concerned about the change and called to inquire if this would be a problem. I was told the payment could be sent on to the correct location and it would n't be a problem. In the meantime I continued to receive statements and correspondence indicating that a payment was overdue. I have spent hours on the phone on multiple days with multiple representatives with no resolution. My bank, XXXX, has faxed images of the cashed check to XXXX XXXX XXXX XXXX XXXX as proof of payment twice, at my expense. Academy continues to deny that they have received this information from my bank. Currently, they place me on hold, tell me all their representatives are too busy, and I will receive a call back, which then does not occur. When I called this afternoon I was told that my loan has been transferred to XXXX XXXX XXXX, however XXXX is still the servicer and the payment address and account number have not changed. I still have not received a call back, my account still has not been credited for my payment, and I am now being told that this is all due to my error, even though I sent the payment to the address I was given on my first mortgage statement.
I noticed an 'alert ' that there was a NEW credit INQURY placed on my credit reports on XX/XX/2018. This information was reported by a Company called CREDCO. 
I contacted CREDCO on XX/XX/2018 at XXXX. I spoke to XXXX at Credco to let her know that I DID NOT authorize any credit check on my account. I was told by XXXX that the request was made by XXXX XXXX XXXX. I explained that I had NO Business with XXXX XXXX XXXX, I did NOT AUTHORIZE any transaction of credit from XXXX XXXX XXXX. XXXX told me she would issue a dispute. I NOW receive a letter dated XX/XX/2018 from CREDCO on XX/XX/18 indicating " our client XXXX XXXX '' ordered your credit report through Credco that contained credit info based on each of the NCRA 's. We contacted XXXX XXXX XXXX XXXX and informed us that it accessed your credit report pursuant to your verbal authorization connection with a mortgage transaction '' I NEVER authorized XXXX XXXX to run a credit report, I HAD NO MORTGAGE transaction current with XXXX XXXX, the last MORTGAGE I had was over 10 years ago in the year of XXXX This is preposterous VIOLATION of the FCRA , and I also called XXXX XXXX at XXXX, who gave me the run around. PLEASE look into this wrong full credit run from CREDCO.
I have written a certified letter to this company asking for proof of my signature to allow them to pull my credit reports along with the credit bureaus. I have not received any proof. They have violated the Fair Credit Act Section 1681b ( c ). They were not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I have requested that they either mail me a copy of my signed authorization form that gave them the right to view my credit within 5 business days and that letter was dated on XXXX XXXX, 2016 ( certified mail ) I have also asked the company for a payment of {$1000.00} if they did not have the signed document. Please find attached the response from the company stating they do not have a file in my name or under my social security number but they have not removed their company from credit report. They have abused my rights by pulling report 2-3 times in one week.
Hello Two deposits were made via cash to my account. XXXX for XXXX and another for XXXX. The company XXXX Wells Fargo XXXX held the {$5100.00} stating that another person " accidentally '' or " was scared into '' making the XXXX. The bank believed their story although we have proof that they received XXXX worth of cryptocurrency in return. The bank THEN held the unrelated {$4000.00} from a separate transaction stating that they were holding it just in case another " victim '' ( as they say ) was to come forward, yet we had the transaction documented for this amount. This was from another customer that deposited {$4000.00}. The XXXX deposit was made Friday XXXX XXXX, XXXX, and the XXXX deposited was made Saturday XXXX XXXX. This is XXXX total that we have not been able to access and has crippled our company and business relationships. We contacted Wells Fargo immediately and were given no answer for two weeks. It was at that point when they told us that they were going to hold the money. We went to the bank and still were given no answer. We continued to call thereafter approx 15 times and still have not received a call back. They would just keep saying XXXX XXXX XXXXXXXX '' is the only person who could even speak on the case. XXXX has yet to call us with updates and I have left numerous messages. I did not record the dates and times of the messages. I contacted and aid a lawyer to advocate for me but I still have no answer, and they still have my XXXX. I do not know what else to do.